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Is now still a good time for you both? Yeah. Oh, okay. Yeah. Yeah. If you like, that's not a problem at all. Easy done. It is easier with you both because I'm going through both of your details. But if you like, I can take you through your section and run him through his. That's not a problem. I can make that work for you. Yeah. Yeah. You're right. That's okay. Fantastic. All good. Fantastic. Look, Catherine, I'm just gonna send this document through to you so it's in both of your emails there. I'm just pressing send on that now. Just before we jump into the call and go through things, I do have to let you know, as normal, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Easy. Not a problem at all. I'll just do a quick security check with yourself just to confirm your full name, your date of birth, and address there for me, Kath. Yep. Yep. Beautiful. Thank you so much for that. Lovely. Now I've sent that email through with the documents there. If you're able to able to open it up, it's just easier that you guys are looking at it with me, so it doesn't feel like I'm talking at you at all. Easy. Fantastic. How's your week been? Oh, that's really good. Fantastic. Yeah. They're both the exact same document, but you do have an email separately because we will get you both to sign it in order to implement the advice. Yeah. But we'll go through it first up. Yeah. Excellent. That's okay. You're fine. Oh, that's okay. Not a problem at all. I can start running through things with you if you like. And if you just let me know when Paul's there, I'll jump in and make sure I'll say hi. Yeah. All good. Fantastic. So on the front of the document there, you'll see statement of advice prepared for yourself, Paul and Catherine Woods, as of the 09/08/2026. All of our advice is valid for sixty days, so you can take this back and have a good read through it prior to accepting the advice and signing it. On the bottom there, it has it prepared by myself and my lovely team here at Oakview Financial, and my license license registration number is 1304394. Okay? Excellent. The next page, if you keep scrolling down, it's your best interest, Judy. So this is just letting you know that as licensed advisers, we do have a fiduciary duty to look after you to make sure that we are providing advice that is there to meet your goals. And we go through the process we do of making sure we understand your goals, making further and correct inquiries into your circumstances to be able to understand what they are and providing a financial advice to help you to meet those goals there. So we do definitely adhere to that. If you scroll past the next page, which is your table of content. Yeah. Yeah. You should definitely have one each there. Yep. So Paul's email that I have on file I'm pretty sure we use the same email for both of you. It's paulcath1@bigpond.com. Yeah. There should be two invites in the same email there. There should be one for each of you, but that'll be okay. Yeah. Excellent. Hi, Paul. How are you? I'm good. Thank you. How's your week been? Well, that's really good. We're sitting here on page number three at the moment, which is essentially just outlining the areas of the scope that we are and are not looking at advice. So, essentially, this is just looking at your super at the moment. So jointly, you've had a goal of being able to retire when you reach ten sixty, if not earlier, and hopefully draw an income of around about $1,000 per week in today's dollars to support your lifestyle throughout retirement. You both wanted to retain that balanced growth environment for now, and we're just looking at updating your portfolio, removing those underperforming investments, and looking at how we can make things work a bit harder. And then we talked about meeting again in March next year just after Christmas to sort of talk about moving a bit more conservative or maybe updating things a little bit further for you both. Does that still sound accurate and appropriate? Yep. Beautiful. I've also scoped in your state planning to extent as well. So, Paul, we can see that you've got beneficiaries on file, which is fantastic. But, Kath, we have noted that your beneficiaries aren't applied, so we wanna make sure they are applied and reflective so that at the moment, if anything happens, everything goes to you know, from Paul's sleep, it goes to you, and that's fantastic. But at the other way around, we need to make sure that's reflective for you. So we'll get your beneficiaries applied and updated on all the super funds. It's it's alright. I'll go back and double check it. I can just see it's not really applied. I'll find out why, and we'll make sure that we have that fixed up and reflective for you because I wouldn't want anything to happen and have it all go wrong for you. Yeah. Absolutely. All good. And yeah. Yeah. Yeah. Absolutely. Not a problem at all. I'll just get my team member to do that. I'm just gonna Teams her real quick. Perfect. So I just quickly confirmed that with my colleague. They're gonna get that sorted for you. Yeah. And you're happy for us to pre fill that with Paul's details to make it easier for you? Yep. Easy. Not a problem at all. It's alright. I sit next to my admin team member, and she was, like, on the ball. It's all fine. Excellent. On page number four, we've got a limited scope there. So, with that, it's just about looking at the insurance side of things. So, essentially, we're not making a recommendation to alter your insurances there, Catherine, but we are looking to keep those insurances in place. The reason I limited scope them in is so that they can be accounted for as part of your projections because these insurances are paid for from super. We do know that it has a long term effect on retirement. So we essentially, whilst not making any new changes or recommendations, we just like to scope it in so that we can have that reflective of the rest of the advice. Okay? Oh, I can show you. I've got the projected to show you. That's easy. Yep. On yeah. That's okay. No. You're absolutely fine. And then on pages five and six, we've got areas that we're not looking for advice at the moment. The areas are on cash flow and budgeting. Paul's insurance is because he doesn't have any, but he has a really great super balance, which covers majority of you know, basically, it covers all your debts in the event that something was to happen. And then, obviously, the investment and the investment properties and personal investments there. But we can always come back and look at these additional areas down the track. One of the things we talked about was just because, you know, your supers hadn't performed as much as we'd like that then along the investment was down this year, so we wanted to try to get the advice updated, get the super working a bit harder, and replace those underperforming investment straight away, and then come back and look at other advice down the track. Does that still sound appropriate to you both? Is there any changes or anything that should be different in that area? Yep. Yep. Perfect. I'm gonna skip a couple of pages now because you do get to go back and have a good look at and review everything afterwards. But just to kinda jump into the recommendations and go through things with you, if you can scroll down to page number 13 there for me, and this is starting for yourself, Paul. Beautiful. So, essentially, I did have a look at your super funds as a whole, both of them. Essentially, I am recommending you do stay within hub twenty four. Essentially, when I sort of go back and look at the research, I look at Hub twenty four as a platform, but also all the other platforms out there. I look at sorry. All the investments that you have within the platform, you guys are both balanced growth investors. So it has that seventy thirty split between growth and defensive investments as we kinda went through. Essentially, if I had a looked at and, realistically, we did assess it, but, technically, decided not to go that way. But for yourself, Paul, if we had have looked at, say, selling all of your investments down and moving you to a new platform, the full sell down would have meant your super fund had a tax liability of 7,000 oh, sorry. $17,252.20. So remember last time we talked about when we're looking at switching investments, your super fund, like you, does a tax return. It pays income tax and capital gains tax. So part of what I did to go back and review everything was to look at the tax consequences and what that might look like for you for your super fund. And, essentially, because, you know, as much as you got a really great balance, you've had a lot of growth in there as well even though the performance hasn't been where we sorta like it to be for the year. So if we had a sold down everything and moved you to another fund, yeah, it would have essentially meant there would have been capital gains to your fund of over $17,252. So I discounted that and didn't go that way and then looked at other ways to alter your portfolio for you so that you could retain hub twenty four, still switch the investments out and have them working a bit harder for you and also save on fees. Okay? Excellent. That's okay. If you go down to page number 17 for me, this is your fee comparison table which outlines essentially the recommendations and a lot of the reasoning behind why I've recommended this for you. Beautiful. So, essentially, at the moment within the hub twenty four, you've got your current balance at the 951,054. You've also got your administration fees, investment fees, any other fees applicable, your ongoing service fee and contributions in there as well. Those contributions are net, so after the taxes have been taken out inside the super system. Within your hub twenty four, you're in that balance growth environment currently. And when we kind of look at how these investments have performed over the past five years, it's averaged about 7.57%. So while it's not bad, it's not exactly where you'd sort of want it to be. Realistically, a balanced growth environment, you're looking to get between six to 8% on a yearly basis and compounding that forward. This does hit that, but Benelon has been holding it down. And, realistically, we wanna get the best out of our super. Just because you can get a six to 8% return doesn't mean you want don't want more. We wanna make sure we're getting the best out of our super no matter what portfolio we're in. So what I am recommending for you is, as for the next column, we retain HUB 24. Essentially, we are gonna switch the investments within that, and we understand, as as I mentioned, I wanted to reduce that tax consequence as much as possible. And you'll see in the differences column there, in order to make the switch, and I'll show you what that looks like in a second, but the estimated tax consequence for your super fund is only $689. So it's much better than 17,000, and it still allows us to alter the portfolio for you as well. Does that make sense? And do you have any questions so far? No? Yep. Yeah. Yeah. Abs absolutely. Yeah. Definitely. Now underneath that, you'll also then see your admin fees don't change because they're not changing the platform, but your investment fees do. So this newer the changes I'm making to your portfolio actually reduce your investment fees. It's expected to save you $1,303 for the first year in investment fees, which is great. That's more money or less money that you're paying out to suit for fees and more money that stays invested in your super for you. And that investment fee reduction actually outweighs the CDT. So it covers the cost of the capital gains for the inspection of investments and provides you with a further discount there, which is good. That's what we wanted to see. Okay? The newer portfolio, it still keeps you in that balanced growth environment, that seventy thirty split, but the newer portfolio has averaged about 8.53% on a yearly basis. So it has the potential to do a lot more. And if you look at the table below, which is the projection table over the next four to five years, this newer portfolio, taking into account all the above in that, projection table, it essentially shows it can put you in a much greater position over the next four to five years, which is what we'd like to see happen to your super. Okay. Yeah. Now to show you what that looks like, if you go down to page 19 there for me, Paul, you'll see the changes that we are gonna make to your super fund. Can you see the investment table there? Yeah. That's okay. Did you wanna grab your glasses, or did you need to do anything? I'm happy to hold for you. You got them? Okay. That's alright. I'll go through it easily. Essentially, what we're gonna look at doing is I've tried to, as I mentioned, reduce the CGT as much as possible, making sure things work as hard as they can for you. So just making some slight alterations to your portfolio to remove any underperforming investments there. Essentially, the Ben along Australian Equities is the top investment. We are gonna remove that wholly from your portfolio, so that is sold down to zero and removed there. The ClearBridge infrastructure fund, that is looking at infrastructure and commercial property that has done really well. It does still see growth, and it is an integral part of having a diversified portfolio. So you hold about 6% at the moment. We wanna hold 7% there. So it does mean just buying a little bit more and rebalancing your portfolio back as well. Okay. We've also got the Global x battery and lithium tech. Essentially, that has done quite well this year. We have seen a lot of ups and downs. This is more of a thematic. It's called a theme DTF where it is focusing on a specialized area within the investment spectrum. Having this, it does get really good growth, and the idea is you wanna see great growth in tech and battery and lithium is still seeing some good growth in areas. So we wanna hold about 7% of that investment. You're a bit overweighted at the moment, which means you have seen some good growth in that area. So we just wanna sell that down a little bit and reweight your portfolio. Okay? You've also got the BetaShares Bank hybrids. Now these are being phased out down the track, so we opted to remove them now whilst we are making some changes to your portfolio best to make as many changes as possible to limit having to make more changes down the track unless we have to. Yeah. Yep. Yep. It's got the ticket code, the API code BHYB. Can you see that one there? Yeah. Yep. Yep. It's 1234 from the top of the page there. Yeah. We're removing that. Yeah. It is gonna be phased out, so we are best to look at removing that completely and replacing that. Now they bank hybrids are more of a complex investment type, but, essentially, they are a defensive investment. They are seen as lower risk. They tend to expect a lower rate of return, but they're very much income producing. So we are gonna remove that now rather than waiting till we have to down the track and sort of replace that in your portfolio currently. Okay? You have some Global x Physical Gold. Physical Gold has done really well. You're a bit overweight in your portfolio at the moment. You're holding a bit over 10%. We only really wanna hold 7%. So whilst we are removing some of the investors that haven't been performing and new portfolio, the other important thing to do is to rebalance the investments that we wanna keep in there. Essentially, when you are recommended if originally you recommended 10% in every investment and say some investments went up to 12%, others went down to 9%, it's important to reweight them and sell some of the investments that have gone up and buy into the ones that have gone down a little bit. That helps to rebalance your portfolio and reweight your risk profiling. You guys are very much in the middle and don't like to take on a lot of risks. So, essentially, if we don't rebalance the portfolio and we just let it outweight, some of the investments have performed better than others, but it means that you could have more risk in your portfolio than what you're comfortable taking or less than you're comfortable taking, and that also affects your returns as well. So rebalancing your portfolio every so often is just as important, and that's part of what we wanted to do here as well for you. Okay? Yeah. So with the physical sure. Absolutely. Yes. Because it's always good to it's always good to buy low. So when investments are still quality investments, they might see having a dip because of global markets or something happening globally. Taking advantage of the downtime is really important. They always say buy into the dip. So buy low, sell high. In all honesty, that can be some of the hardest things for people to do because when we see things going down, we don't see performance as well. It can make us really nervous. So what we like to do and what we've done with Bannalong is assess whether that investment is down because of just the downtime or whether the investment is actually worth getting rid of. We did that. It is not worth keeping the Bannalong, but other investments have just seen a bit of a downtime, but they are still worth keeping. And one of those is, like, the battery and lithium tech you can see there. That has had its ups and downs. You're overweighting that at the moment, but this year, it did have a little bit of a downtime as well. We are still keeping that in the portfolio even though it went through that and down because it is still a quality investment. It is still a good place to be invested. And when some investments are down, buying in at that time means that you buy into the discounted you buy into the discounted purchase price. As an example, I like to use if you had invested a $100 in CBA one day, and you bought you know, that share was worth a $100, you would buy one share. If that investment went down to $50 the next week and you put a $100 in, you'll get two units of that same investment. If it then went up to a $120, you would buy not even a whole of the following week. So the idea is to keep investing through the ups and downs. And when the market is down, when the investments aren't performing as well, you buy into the discounted unit pricing, which means you end up buying more units over time, and it helps to eliminate market risk as well as much as possible because you're taking advantage of the downtime. You're just investing in over time, and that can provide greater returns when you think about it. That can actually help your portfolio grow over the, you know, next five, ten, twenty years. You end up buying more units. You take advantage of the downtime, and you see a lot more growth as the market recovers as well. So does that make sense? Yeah. Yeah. Correct. Absolutely. Absolutely. It's also good to sort of look at where these investments have come from. So the other thing I like to look at is what kind of downtimes the investments have been through. Most of these investments have been through, downtimes like the GFC and COVID. They've gone through that. They've come back and they've stayed. People have continued to invest into them. So they are good quality investments. They've been around for a really long time, and they can withstand that market volatility, which is important as well. I wouldn't wanna invest you in anything which has only been around for one or two years where it doesn't have that history of or it doesn't have that history or longevity of investment time horizon, and it doesn't show that it's been through the ups and downs the market can provide to you. So that's why these sorts of investments are good quality and worth investing in, essentially. Yeah. All good. Does that answer your question? If it doesn't, please tell me. Yeah. Excellent. Excellent. That's okay. It's all good. So we're just gonna sell a little bit of your physical gold off. We are gonna cement that, cement the growth you've had there, and redistribute that across your portfolio. One of the things I like to sort of point out is that physical gold is a growth investment. It does see growth, but there's no income production that comes from that. So in order to take advantage of the growth that you get from physical gold, you do have to sell some of the growth and distribute the redistribute the funds throughout the portfolio to help with the compounding effect as well. Okay? Absolutely. Mhmm. That's correct. Yeah. Yep. Yep. Yes. That's that's exactly right. Yes. So what we wanna look at and what we look at is exchange traded funds or ETFs and managed funds that pay dividends. Those dividends are paid into your cash account, and then they are back into your portfolio. And that helps with compounding. Yeah. Yeah. Yeah. Absolutely. The next one under there is your core composite bond. So because we are removing the bank hybrids from the portfolio, we're gonna reinvest and keep some defensive assets. Your core composite bonds provide that. We wanna hold 30% because that's sort of, you know, 30% defensive, 70% growth within that balance growth asset allocation there. So core composite bonds, think of them like term deposits. You're putting your money into the bond. It is paying income payments out every, you know, month, quarter, every biannually depending on the bonds within the fund there, and that money is being distributed and reinvested back into your portfolio. This gives you access and exposure to government as well as corporate bonds. It also does provide you some international exposure to bank notes and things like that. So it is very much defensive in nature, is expected to get a lower rate of return, but we want this for cash producing. We want income to be produced out of this investment so we can assist with the compounding and provide growth that way for you. Okay? Yep. Beautiful. Underneath that, you've got the S and P 500. So this is giving you exposure to the top 500 companies on The US market. Fun fact, the S and P 500 can basically encompass anywhere from 500 to 520 different companies, and you are tracking the top 500 also companies on The US market there. One of the things I do like about these sorts of investments are they are they're always tracking the top 500 companies. Essentially, it follows the S and P 500 index, and the maker of the indices actually meets every quarter, and they reassess which companies are eligible to be within that indices. If at any point a company no no longer meets the criteria to be in the indices, they are removed out of there, and then all the investments that track the indices follow suit. They remove those investments and replace them with anything that has been put back into the s P 500. So you're always tracking that S and P 500, the top 500 companies in The US, and it is a more of a passive investment, which is great. At the moment, it has done really well as much as there's been a lot of up and down within The US. These sorts of investments have done really well still. You've got about 29% in your portfolio currently. We only wanna hold about 25% currently, so we are just gonna rebalance it back a little bit, sell some of the investment, and rewrite you back to 25% there. Okay? And then the last two investments are the BetaShares Raffi Aussie two hundred and the BetaShares Australia two hundred. This is giving you exposure to essentially, between the two, the top 200 companies within the Australian market. The Raffy also gives you some exposure to big cap stocks as well. Essentially, between the two, we wanna hold 12% of each investment. You currently do have the Raffy, so we're just going to reweight that and sell a small portion and buy into the a 200 there. A lot of people look at these. They do invest in different companies. You're not doubling up by having both of these investments. It's actually giving you actually giving you greater exposure and diversification and providing a lot more exposure into Australian equities, which is what we wanna see as well. So you'll hold about 24% of Australian equities in the portfolio as well. And these two investments are quite passive. They are low cost, but they do give you really good exposure. And the Australian market as a whole still has provided really good returns. Essentially, by removing Van Alung, keeping the Raffy, and then also including the a 200 in this investment, you're actually providing yourself with greater diversification, which helps to mitigate long term market risk sorry, long term market risk and also helps to provide really good returns and a good exposure to a good class of good quality companies on the Australian market as well. Does that make sense? Do you have any questions in relation to any of that? Yeah. Beautiful. So that's essentially changes to your portfolio. It's just utilizing a lot of what we had, replacing the things we needed to, and making sure to rebalance for you as well. Just making those simple changes there essentially means that we are expected to save on investment fees, save about $1,303 there. And to make those changes, as I mentioned, the CDT costs are only expected to be $689 as well. So this has provided greater past performance. It's a lower cost portfolio for you, and it's also had greater past performance, which we can if we get the same market conditions, provide a greater future performance there as well. I do wanna make sure we review these investments with you regularly to make sure they are working. And if anything else needs to be moved out the portfolio, we make sure that we do that for you as well. Okay. Absolutely. Yeah. Mhmm. Yes. Yes. Mhmm. Yep. Yes. Mhmm. Yeah. Yeah. She didn't. But in all honesty, it's very hard to kinda go back and assess because we'd have to go back and look at the whole year, how the returns have gone, look at your funds going in. It's kinda hard to sort of assume what you would have made without the Benelon going down. It definitely would have been a higher return than what you received with Benelon having taken a bit of a dip there. But when it kinda comes to other people making a 10%, this year has been very volatile, and some investments have performed well, some haven't performed well. Majority of super funds out there are only within your sort of age within your range, have only performed and provided around about a six to 8% return in all honesty. So without knowing when someone else does have got a 10% return, it's about understanding what that return is, whether it is a gross or net return, when their contributions are going in, how much their contributions are, what their balance is, what they're invested in, their risk profile. So there's a lot more to sorta consider there. I definitely know you would have made a much greater return than what your portfolio did, but I'm not able to kinda go back and assume what you would have got if Bennelong hadn't been in there just because it's not accurate enough for you. But I can safely tell you it would have been much greater than that, and that's why I wanna make sure we definitely touch base again in about six months, around about March so we can assess your goals, but also check with how this is performing and see what you're sort of tracking for moving forward to make sure things work a little bit harder for you both. Is that okay? I'm so sorry I couldn't give you the exact answer for that one. But there are a lot a lot more things to consider there. And one of the things I do sort of like to note is that when you're looking at the industry funds, essentially, they're when they're reporting on their websites and things like that or when they're telling their clients what they've made, they're normally not giving you a standard, you know, what your net return is for your super fund. They're basically saying, hey. This is what our fund has done. This is the the four phase figure of what we're reporting, essentially. So it is a little bit harder. When it comes to hub twenty four and what we do, we have to be a lot more we're a lot more scrutinized. So we actually have to provide you with a net return, and it is a return based on your portfolio. So it does they're not really apples to apples, which is a little bit not great, but is this this at least gives you, you know, more clarity around your return and is it before or after fees and what that looks like, which means that when we make these changes, we can actually track those changes and see what you're tracking for and how this should look for you moving forward. Okay? Yeah. Excellent. That's all good. Cath, if you go down to page number 22, this is essentially looking at yours now. Yeah. If you're comfortable, Paul, that's everything. Did you have any questions that you wanted me to go through or answer for you? Is there anything that's kinda come up through any of that? The living yep. I didn't listen to text. Yep. I have yeah. I have. It does sound really good, but it is very new, therefore, very speculative. And I was very hesitant about looking at anything like that for your super because we're reducing risk, and you're very conservative and very close to accessing super. It's very volatile, And that kinda worried me a little bit. Putting you into something like that means you could see more ups and downs, and you're increasing the risk level that you're taking. And I was with that balanced growth environment and where you are risk wise, it didn't really fit comfortably for me. So that's why I wouldn't put that in your portfolio currently for you. Yeah. Yeah. Yeah. It is pretty cool, though. What they're doing is insane. Yeah. Yeah. Yes. Yeah. Yeah. It's it's pretty good. Oh, absolutely. Yeah. Sure. Mhmm. Yeah. Yeah. Mhmm. Can you write me? Yeah. Yeah. Yeah. You could absolutely look at doing that. We can provide advice around the area if you'd like to. It'll just be about looking at the risk level, looking at, you know, what it is, how we invest in that, whether it be in your own name. As long as you're accountable, things like that, I'd be more than happy to look at those sorts of investments as part of that, you know, personal investing space and see what you're comfortable with. Yeah. Absolutely. Yeah. Yeah. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. You're fine, Paul. That's absolutely fine. Thank you so much for your time. I really appreciate it. You have a good have a good day. No. Not at all. Not a problem. Okay, Cass. So this is excellent. So this is for yourself. Yeah. You're right. You've gotta you've gotta get a witness as well. So sign it when you can get it witnessed. Yep. Yep. And No. That's fine. So you can it's gotta be two witnesses. One of them can't be the beneficiary. So Paul can't witness the documents. So your daughter and somebody else, as long as she's over 18, that's absolutely fine. Yeah. Fantastic. Excellent. Thank you. No. That's okay. You're fine. So with this one here, as we kinda mentioned, we are looking to retain your NGS super there, but we only wanna hold 10,000 in it. So we are gonna roll some funds out of the NGS super. Just retaining 10,000, have everything else invested in hub twenty four working harder for you as well. We want your super contributions to continue to go into NGS Super, and we'll make sure that each time we speak to you, we update the the balance within an NGS Super. Essentially, every year, we wanna complete rollovers, only leaving that $10,000 balance there. But what I'd probably like to do is essentially look at it whenever we do a catch up and get an updated balance from NGS. I'll find out how much is in there, and we could probably even do regular rollovers once every six months. So we're rolling over small amounts of money on a regular basis, which is dollar cost averaging in the hub 24, which can actually provide you with a much greater return and assist your Subaru by working harder there as well. Okay? X. Sure. We we can't. We have they have a minimum of 10 a minimum of six, and we leave 10 because your insurance premiums also come out. So that's why we don't leave less. Yeah. Excellent. Now, Kath, if you go down to page number 27 for me, this is essentially your fee comparison table showing your current and recommended. Beautiful. So the current table shows your balance between your NGS super and your hub 24 there. You've got your investment fees, admin fees, any other fees applicable, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums there as well. Between the two funds, you're in that balanced growth environment. And when we look at how the two funds have performed over the past five years amalgamated, it's averaged 7.47%. We wanna make sure sure things work a lot harder for you. So in the recommended column there, we're gonna retain 10,000 in NGS Super, roll the rest into hub 24. In order to make the investment switch for yourself, your portfolio is gonna be different to Paul's because I was able to update your portfolio, update a lot more of your investments, but your CGT consequence is going to be a lot smaller as well. In order to make the changes that we're gonna make, your super fund is only expected to have capital gains of 382,000. Sorry. $382. My apologies. Yeah. Mhmm. For the insurances? Yeah. I'm sorry. What was that? Oh, the death benefit? Yeah. You're right. I've got that here. Not a problem at all. Let me just scroll back up for you. Sorry. My computer's having it a minute. It's just loading. It froze on me. Love when technology works for us. Essentially, with your life benefit currently in NGS, you're covered for 222,000 just for life benefit. But if you had to pass away, your super balance is paid out on top of that. And the total permanent disability is 80,000. So, yeah, the the TPD can be paid out as a lump sum or an income stream. And, again, if you claim on TPD, so permanent incapacity, we can also claim against your super so you can have your super balance released as well. Yeah. Yeah. They do tend to expire. Life cover doesn't expire as quickly as your disability covers, so it tends to be your income protection, your TPD expire a lot faster. Your life insurance, you can hold a lot longer if you want to. But, realistically, when we look at insurances, we only really wanna hold them as long as we need to. I mean, if you guys end up being completely debt free, is it at a point where you need those insurances or not? Consolidating at some point when you get to retirement, we tend to not need any disability income protection, even life cover, and we tend to sort of cancel that point. Because if we're, you know, in retirement, we've stopped working, so we're already drawing an income stream out. So it sort of doesn't help to pay for insurances that you're not gonna be able to claim on with TPD and income for income protection. Sorry. And then often, we just don't need the life cover either because if we pass away, our super benefit pays out anyway. So, realistically, most people tend to cancel them at retirement age. And then if that happens, we can consolidate everything. But if you guys sell the commercial property and end up debt free and look at investing, we could also look then. Do you still need those covers, or is it worth consolidating them if you've got investments and not needing any and not having any debt? So there's definitely times when they don't need them anymore. Yeah. Yep. Mhmm. Yeah. Yeah. Yeah. It does have a bit of a long term effect there, which is not great. But yeah. I mean, for now, it's good because if anything happens right now, you could have that coverage to provide that protection. But we'll just review it when we come back in March and have a look at, you know, what your next sort of goals are, what we've got. We can always assess them again. And at any point, if you decide you don't feel like they're working or you don't need them anymore, we can always come back and update the advice for you as well. Okay? Excellent. Fantastic. So with that newer portfolio, we estimate CGT to be $382 there. Essentially, by moving some more money into hub twenty four, it does increase the admin fee slightly by $32 for the year. But your newer portfolio is a lot cheaper, again, the same as Paul's. It's saving you quite a good amount of money. It's expected to save you $356 for the year on investment fees. So that's good. That's reducing fees. The ongoing service fee does essentially remain. The contributions will still go into NGS Super, and that'll also have your insurance premiums coming out of for a bit longer there as well. Okay? With your balance growth portfolio with the newer portfolio between the NGS Super and Hub twenty four, it has performed about 8.45%. So it has performed greater than your current scenario, which if you sort of look over the next five to ten years, can put you in a much greater position there. But we wanna build on that and make sure you're in an even better position than that. So we'll come back in March and reassess things and look at what we can do moving forward and what we do with the proceeds of the funds and if Paul gets his redundancy and things like that as well. Okay? Yep. Beautiful. If you can go down to page number 28 for me, this is showing you the buyers and sales for your portfolio. It is a little bit bigger. Yep. Beautiful. So with NGS, so for there, you'll see we are gonna roll about 16,505 and 20 out. That leaves about 10,000 sitting in there for you. We don't need to change anything within within NGS. That's all currently okay. There's no point switching the investments within there currently. When we kind of I'm oh, sorry. Page number 29. My apologies. Sorry. So that's showing you that's okay. That's showing you essentially all the research, the returns between the two. So the current at the very top shows you the twelve months, three year, five year, ten year performance for NGS super, and then it also shows you have 24. And then the last column is us amalgamating it together. So we take all the investments to two funds, and then we calculate the total amalgamated or aggregated portfolio, which gives you that five year rolling average. And the same thing below, it looks at the recommended portfolio, so what you can get or what has happened performance wise within NGS Super as well as Hub 24, and then we aggregate the two together to get the 8.45, essentially. It does. Yeah. For NGS, yeah, that's what they've reported. Yeah. Yeah. Definitely. So with yours, it's yeah. Sorry. Well, the the hub 24 in the current over the past five years has averaged 7.57%. So NDS hasn't performed as well. Realistically, if if and I'm just surmising here based on sort of the fact that Bennelong has been down pretty heavily. But, realistically, you could have got up between eight to 9% return very conservatively if Bennelong had performed well. Because when you look at Bennelong over the past thirty years, it's performed and had really good, you know, 2030% returns. So that in itself, when you amalgamate that with the rest of the portfolio, it could have made a difference of one to 2%. Conservatively, it could have made a lot more. So then you could have got a 10% return, but that is just summarizing based on me running the quick math and everything, but I'll never really know exactly what you would have got prior. Yeah. Yeah. But you can definitely see the difference between the two, and the last column is our aggregated to how we work out our returns. We amalgamate the two together. Okay? Yep. Beautiful. Excellent. Fantastic. So 29 is your investment table there. So we're just leaving 10,000 in the NGS super. So 16,505 is rolled out into Hub 24. And then we're also removing your Ben along Australian equities investment, completely removing that to remove the underperformance. In your portfolio, I am removing the ClearBridge infrastructure fund because I was able to look at ways to alter your portfolio in other ways to provide as much growth as possible and also to lower the fees as much as possible. I had to limit how much we could alter poles because any major alterations costed more in CDT consequences. And, realistically, he's a lot closer to retirement. So it's about making sure that we're not gonna have to wait years to make those funds back because he has seen much greater growth, and his balance is much higher as well. So I was able to adjust your portfolio in other ways, than I had to do with Paul's for you. Okay? So we're removing the ClearBridge infrastructure fund completely as well. I am in yours moving the battery and lithium tech as well taking that out. You're still gonna have access and exposure to those, but I've found a lower cost way to hold those investments in your portfolio that will work better for you. Okay? The bank hybrids are also coming out because they are being replaced down the track there, but we still wanna hold physical gold. You've got 11% there at the moment. We only wanna hold 10%. So it's about just selling some of those gains and recementing and distributing those gains across your portfolio. To replace the bank hybrids there, keeping those defensive investments, you're gonna hold some core composite bonds in this portfolio, about 24% in there, and that's gonna give you some income production as well, which is going to be really good. You've also got the S and P 500. We wanna hold 25% of that. At the moment, you've got about 29%. So you have seen some really good growth within this investment. So we are just gonna sell some of that back and redistribute that across the portfolio, just rebalancing that investment to 25% there for you. Okay? With yours, the Raffy is removing out of that because it was able I was able to find a lot you know, a different way to sort of hold those investments and also making sure to because your balance is lower than Paul's, reducing costs as much as we possibly can. When you sort of look at the investment side of things, your investment fees were much lower to begin with, but they're even lower now, and it's saving about $356. Whereas Paul still got some of those higher cost investments. Now we were able to save a lot of money in investment days, but because of his balance, I couldn't remove a lot of additional investments. So we had to limit the CDT effect for him. So I am removing the Rafi completely from yours. We're also then gonna increase exposure or add exposure into cybersecurity. So this is giving you a different level of exposure into battery and lithium tech and cybersecurity as well. It's essentially giving you global exposure to cybersecurity, which is a great area to be invested in, and diversification is good as well. So 4% there. The iShares Europe investments are giving you exposure to all 16 European countries to helping to provide diversification and lower overall market risk. And then you've also got some Japanese exposure holding 3% in Japan. Japan is a good place to see growth. They actually did very well looking after their country with stockpiling fuel this year. We didn't do as well as them, but they were kind of really well prepared for that. So they are a really good investment opportunity. There has been some really good growth there, and I just wanna keep checking that one moving forward. Holding 3% of that investment will work well for you. And then the other things to look at is the Vanguard or World ex US. Now we have kind of removed a lot of other things out of their portfolio and replaced it with this. So this is a an ETF or exchange traded fund that is giving you access and exposure to the entire globe. One of the biggest things we can do is diversify to lower our overall risk, and this investment does that. It gives you exposure to every country minus The US. We don't need The US in this investment because we have the S and P 500 above, and we're holding 25% of that investment there. But this is a low cost way to give you good diversified access to lots of different countries as well as different asset classes and give you a little bit of growth in defensive exposure as well, which is what we wanna see. And this investment has done really well as well. Okay? And then you've got your beta shares a 200 to giving you exposure to the top 100 top 200 companies on the ASX holding 20% of this one. The Vanguard All World ex US does also hold a small component of Australian equities, so we also wanted to encompass that and not hold too much Australian equities. The 20% here plus a small amount in that Vanguard or World Index as well. That gives you really good exposure. Essentially, as a whole, it is low CGT cost to make the switch. It's rebalancing your portfolio with the ones that we need to rebalance and adding some diversified exposure to, you know, help lower market risk, but also provide greater greater performance, hopefully, moving forward within your portfolio. And it's cheaper, so it's saving you on investment fees, which is really good. I wanted to look at ways to reduce fees as much as possible as well to keep more money working harder for you at the end of the day there. Okay. Beautiful. With the next page, you've got your cash account there. You've got about $15 more in cash than we realistically wanted to, so we'll just make sure we invest that money and only hold a minimum of 1.25% cash. Essentially, we didn't have 24. We'd have to have a minimum cash balance. It's 1.25%. We never wanna hold more cash than we realistically need to, and part of rebalancing would just be to invest, sorry, that little bit of extra money there for you as well. Okay? Excellent. The only other things on there is just making sure that your beneficiaries are done. Those are being sent out, which is fantastic, but a little bit lower on page 32, I have added the beneficiary side of things, and they're just recommending a binding non lapse denomination a 100% to pull on both those super funds to make sure that everything is sorted. And then even lower than that, on pages number 34 and down, it's just about making sure that you guys have a will, have attorneys, and things like that. So I like to put that in there because it gives you a little bit of reading material, but it also kind of helps to generate that conversation. It's not an easy one to have, but it's really good to have that conversation and talk to you your kids about, your family about, and think about what your wishes are and what you want to happen. Yeah. Excellent. All good. Now that is basically all the recommendations. We've got in there the ongoing service agreement. You guys are both on 1.10%. Nothing changes there at all, and that all in disclosed there. How we would run through this advice for you is we'll essentially just start by completing an investment switch, then we'll do some partial rollovers for you from your NGS super, and then we'll make sure that we the beneficiaries are all being sent out. So we'll make sure they are also applied there for you as well. Okay? Excellent. Do you have any questions at all? Is there anything yeah. Yeah. No. That's excellent. That's that's part of what I love about my job is the educational value because none of us knew this at school, and my kids still aren't taught any of this, which is kind of hard and sad. And they're 19 and 20 now, so it's a little bit, you know, having to teach them how to how to function and the things that I've learned. And I had to go to uni to learn a lot of this. So I do love that you get to ask questions, and I really enjoy, you know, being able to provide you with the information and, you know, help help you understand why I'm doing what I'm doing for you. So, yeah, it's good. Yeah. Absolutely. I'm pretty sure it I think it needs Paul to sign it as well for it to come back, but let me check. Yes. So Paul will have his own. There should be two in the email, there'll be two invites, one for yourself and one for Paul. So once you've signed it, it'll then Paul just needs to sign his part as well, and then it will come back to us all fully signed. And there'll be two separate emails. Yes. Yep. Beautiful. Fantastic. Yeah. Yeah. Yeah. So it definitely has been. It's just that we haven't been able to remove that from anyone's portfolio without having the conversations first. So, essentially, as we've been going through the end reviews, we've been flagging it with everyone and then going through the advice process to have it removed. But we have to go through the as I was kinda mentioned in the beginning, we're in that best interest duty. So we have to understand your goals and make sure that when we update the portfolio and when we make changes to your portfolio, that is in line with your risk profile, your tolerance, your goals, and what you're actually hoping to achieve. If we had just gone in there and removed that investment out of there, as much as it probably could've mitigated some of the the market drop or some of the drop that I had seen, it we risk kind of having you invested in an investment that isn't in line with your goals, that, you know, is overexposing you or isn't actually what you wanted to see. And then we go to the annual review, and we have the next conversation with you. And then we update the advice to reflect. So that's why we didn't originally move it, and I've been trying to sort of get through all the annual reviews to have that conversation. The good thing is as much as it was a dip, Benelong is down. It hasn't really and it has affected everyone's portfolios, essentially, but it has been slowly having little parts of recovery here and there. So it has been coming up slowly. We just decided it's not worth going through the ups and downs. We've given them a long enough time. It had a bit of volatility through COVID as well, and the investment committee just decided with the most recent activity with the investment managers is unperforming. It's just not worth keeping anymore. So we've that's why we've sort of done it as slowly as we had, but just making sure the advice is appropriate and and within your goals as well, which is the most important part. Yeah. Absolutely. Absolutely. Yeah. We can flag things in advance. And if I see anything additional, we'll make sure we get you back in. Yeah. Absolutely. Yep. Yes. Yeah. So the the, yeah, so you're thinking about the bring forward rule. Essentially, that allows you to yeah. That's okay. It's essentially allowing you to contribute this year's non concessional cap of a 130,000 plus the next two financial years in one go. There are some rules around it about super balance and things like that. But for yourself, Cath, that you know, you're under the limits there with everything. So we could definitely look at doing that for you. Those funds go into your tax free component within super, so a 100% invested into the portfolio. And that could definitely build your super a bit higher and provide greater returns and also give you a greater benefit down the track. But, yeah, that's the bring forward rule, which is really cool. One of my favorite rules, and being able to contribute up to 390,000 in one go is pretty awesome. Yep. Yeah. Definitely. That's the carry forward. It's amazing how they worded these ones, but that's the carry forward contribution. So, essentially, it takes any of your unused concessional contributions cap. So concessional contributions are your employer contributions, any salary sacrifice, and or deductible contributions. It keeps your myGov account and the ACO keep track of what's being noted or reported by your super fund over the past five years as well as your employer. So any additional cap space over the past five years sits there. And in any one financial year or you can do it slowly over a few financial years, you can essentially go over this year's cap and contribute anything for the past five financial years so long as your super balance is under 500,000 as of the June 30 the prior financial year. Yeah. 500,000 as of June 30 last financial year. So you meet that criteria. That's fine. Yeah. Unfortunately, not. Yeah. So we just have to double check. Let me double check what the the cap is. I'm pretty sure he actually can because the cap is there. But, realistically, if we're looking at trying to boost your super, it would probably provide the greater benefit to yourself. As much as that money going into Paul's super would build on his, if we put it into yours, it means that we're boosting your balance and then also providing you know, getting your super growing a little bit harder as well. You're alright. You're alright. Yeah. Yeah. That's okay. So we can definitely look at putting some into pools as well. Or depending on what you wanna do, we have other ways of investing. So we can build investment portfolios very similar to your super, in, say, hub twenty four or other investments, or we also have investment bonds, which don't have tax consequences. Some of the cool things I like about investment bonds is you're putting money into a bond. If you're happy to keep it there for, say, ten years, that money can grow and build over time. And then after that ten year time horizon, you start to draw income out of that bond, and there's no income tax on that money. It's all tax free if it's held that way. We can, depending on what you wanna do, if you've got grandkids or kids that you wanna put money away for as, you know, a future inheritance sort of thing, we can look at doing that. We can look at putting money into super, turn deposits. There's a lot of things that we can definitely do with regard to the funds. It just comes down to what your goals are, what your risk tolerance is, what you wanna do with the money in the next one, two, five, ten years, and then we kind of work out what strategy works better for you as well. So there's lots of different things that we can do. Yeah. Mhmm. Yeah. Right. Yeah. Right. You do you remember what it's called? Yeah. Yes. Yes. Yeah. So Vanguard Vanguard has lots of different investment options to choose from, and there are some high risk, some low risk. It just depends on what you're investing in. But Vanguard do have, like, an investment platform very similar to Hub twenty four. And on that platform, you can then invest in all the different in Vanguard different investment options as well. So there are absolutely those other options that we can look at for you. Yeah. Definitely. Yeah. Latrobe? Yep. Yep. Yeah. A lot of those are cash accounts, and Latrobe has there are some rules around Latrobe in accessing those funds. So with them, I know with and I've had clients in Latrobe before. They're not bad in any way. They suit a certain type of client, but there are points where if your money's in the Latrobe and you wanna pull money out for any additional reason, they have rules and different fees on things like that. So it can be hard to access funds. So I'd realistically be wanting to look at how how much you need to access in the short term, what the likelihood of you needing to access is, and how do we get good returns whilst allowing you access to your funds when you need them as well. Yeah. Yeah. Yeah. Excellent. Yep. Yeah. Absolutely. Yeah. Yes. Yes. Prior to using it? Yeah. Yeah. Absolutely. No. That's completely understandable. We can certainly look at that. I just would let you know I'm going away next week, so I'll be away for two weeks. But I'll be back early October. If you need anything, let the team know. They'll book you in as soon as I get back to talk to me. And, yeah, if you guys find out that you're selling the property and you wanna talk beforehand, you just let me know. I will book you both in at any time that suits you, and we will have that conversation and look at updating the advice for you. Okay? I'm going to Victoria. We're gonna drive the Great Ocean Road. My 10 year old son can't wait. Oh, yes. Yes. Yes. Oh, fantastic. Lovely. Thank you so much. Appreciate you both taking my call. I hope you both have a lovely night. If either of you have any questions, please don't ever hesitate to let me know. But thank you for the opportunity to put this together and taking my call this evening. Anytime. Thanks, Cass. 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Kath. It's Dana from OQ Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had yourself and Paul booked in to go through your updated advice document. Is now still a good time for you both? Yeah. Oh, okay. Yeah.\n\nYeah. If you like, that's not a problem at all. Easy done. It is easier with you both because I'm going through both of your details. But if you like, I can take you through your section and run him through his.\n\nThat's not a problem. I can make that work for you. Yeah. Yeah. You're right.\n\nThat's okay. Fantastic. All good. Fantastic. Look, Catherine, I'm just gonna send this document through to you so it's in both of your emails there.\n\nI'm just pressing send on that now. Just before we jump into the call and go through things, I do have to let you know, as normal, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Easy. Not a problem at all.\n\nI'll just do a quick security check with yourself just to confirm your full name, your date of birth, and address there for me, Kath. Yep. Yep. Beautiful. Thank you so much for that.\n\nLovely. Now I've sent that email through with the documents there. If you're able to able to open it up, it's just easier that you guys are looking at it with me, so it doesn't feel like I'm talking at you at all. Easy. Fantastic.\n\nHow's your week been? Oh, that's really good. Fantastic. Yeah. They're both the exact same document, but you do have an email separately because we will get you both to sign it in order to implement the advice.\n\nYeah. But we'll go through it first up. Yeah. Excellent. That's okay.\n\nYou're fine. Oh, that's okay. Not a problem at all. I can start running through things with you if you like. And if you just let me know when Paul's there, I'll jump in and make sure I'll say hi.\n\nYeah. All good. Fantastic. So on the front of the document there, you'll see statement of advice prepared for yourself, Paul and Catherine Woods, as of the 09/08/2026. All of our advice is valid for sixty days, so you can take this back and have a good read through it prior to accepting the advice and signing it.\n\nOn the bottom there, it has it prepared by myself and my lovely team here at Oakview Financial, and my license license registration number is 1304394. Okay? Excellent. The next page, if you keep scrolling down, it's your best interest, Judy. So this is just letting you know that as licensed advisers, we do have a fiduciary duty to look after you to make sure that we are providing advice that is there to meet your goals.\n\nAnd we go through the process we do of making sure we understand your goals, making further and correct inquiries into your circumstances to be able to understand what they are and providing a financial advice to help you to meet those goals there. So we do definitely adhere to that. If you scroll past the next page, which is your table of content. Yeah. Yeah.\n\nYou should definitely have one each there. Yep. So Paul's email that I have on file I'm pretty sure we use the same email for both of you. It's paulcath1@bigpond.com. Yeah.\n\nThere should be two invites in the same email there. There should be one for each of you, but that'll be okay. Yeah. Excellent. Hi, Paul.\n\nHow are you? I'm good. Thank you. How's your week been? Well, that's really good.\n\nWe're sitting here on page number three at the moment, which is essentially just outlining the areas of the scope that we are and are not looking at advice. So, essentially, this is just looking at your super at the moment. So jointly, you've had a goal of being able to retire when you reach ten sixty, if not earlier, and hopefully draw an income of around about $1,000 per week in today's dollars to support your lifestyle throughout retirement. You both wanted to retain that balanced growth environment for now, and we're just looking at updating your portfolio, removing those underperforming investments, and looking at how we can make things work a bit harder. And then we talked about meeting again in March next year just after Christmas to sort of talk about moving a bit more conservative or maybe updating things a little bit further for you both.\n\nDoes that still sound accurate and appropriate? Yep. Beautiful. I've also scoped in your state planning to extent as well. So, Paul, we can see that you've got beneficiaries on file, which is fantastic.\n\nBut, Kath, we have noted that your beneficiaries aren't applied, so we wanna make sure they are applied and reflective so that at the moment, if anything happens, everything goes to you know, from Paul's sleep, it goes to you, and that's fantastic. But at the other way around, we need to make sure that's reflective for you. So we'll get your beneficiaries applied and updated on all the super funds. It's it's alright. I'll go back and double check it.\n\nI can just see it's not really applied. I'll find out why, and we'll make sure that we have that fixed up and reflective for you because I wouldn't want anything to happen and have it all go wrong for you. Yeah. Absolutely. All good.\n\nAnd yeah. Yeah. Yeah. Absolutely. Not a problem at all.\n\nI'll just get my team member to do that. I'm just gonna Teams her real quick. Perfect. So I just quickly confirmed that with my colleague. They're gonna get that sorted for you.\n\nYeah. And you're happy for us to pre fill that with Paul's details to make it easier for you? Yep. Easy. Not a problem at all.\n\nIt's alright. I sit next to my admin team member, and she was, like, on the ball. It's all fine. Excellent. On page number four, we've got a limited scope there.\n\nSo, with that, it's just about looking at the insurance side of things. So, essentially, we're not making a recommendation to alter your insurances there, Catherine, but we are looking to keep those insurances in place. The reason I limited scope them in is so that they can be accounted for as part of your projections because these insurances are paid for from super. We do know that it has a long term effect on retirement. So we essentially, whilst not making any new changes or recommendations, we just like to scope it in so that we can have that reflective of the rest of the advice.\n\nOkay? Oh, I can show you. I've got the projected to show you. That's easy. Yep.\n\nOn yeah. That's okay. No. You're absolutely fine. And then on pages five and six, we've got areas that we're not looking for advice at the moment.\n\nThe areas are on cash flow and budgeting. Paul's insurance is because he doesn't have any, but he has a really great super balance, which covers majority of you know, basically, it covers all your debts in the event that something was to happen. And then, obviously, the investment and the investment properties and personal investments there. But we can always come back and look at these additional areas down the track. One of the things we talked about was just because, you know, your supers hadn't performed as much as we'd like that then along the investment was down this year, so we wanted to try to get the advice updated, get the super working a bit harder, and replace those underperforming investment straight away, and then come back and look at other advice down the track.\n\nDoes that still sound appropriate to you both? Is there any changes or anything that should be different in that area? Yep. Yep. Perfect.\n\nI'm gonna skip a couple of pages now because you do get to go back and have a good look at and review everything afterwards. But just to kinda jump into the recommendations and go through things with you, if you can scroll down to page number 13 there for me, and this is starting for yourself, Paul. Beautiful. So, essentially, I did have a look at your super funds as a whole, both of them. Essentially, I am recommending you do stay within hub twenty four.\n\nEssentially, when I sort of go back and look at the research, I look at Hub twenty four as a platform, but also all the other platforms out there. I look at sorry. All the investments that you have within the platform, you guys are both balanced growth investors. So it has that seventy thirty split between growth and defensive investments as we kinda went through. Essentially, if I had a looked at and, realistically, we did assess it, but, technically, decided not to go that way.\n\nBut for yourself, Paul, if we had have looked at, say, selling all of your investments down and moving you to a new platform, the full sell down would have meant your super fund had a tax liability of 7,000 oh, sorry. $17,252.20. So remember last time we talked about when we're looking at switching investments, your super fund, like you, does a tax return. It pays income tax and capital gains tax. So part of what I did to go back and review everything was to look at the tax consequences and what that might look like for you for your super fund.\n\nAnd, essentially, because, you know, as much as you got a really great balance, you've had a lot of growth in there as well even though the performance hasn't been where we sorta like it to be for the year. So if we had a sold down everything and moved you to another fund, yeah, it would have essentially meant there would have been capital gains to your fund of over $17,252. So I discounted that and didn't go that way and then looked at other ways to alter your portfolio for you so that you could retain hub twenty four, still switch the investments out and have them working a bit harder for you and also save on fees. Okay? Excellent.\n\nThat's okay. If you go down to page number 17 for me, this is your fee comparison table which outlines essentially the recommendations and a lot of the reasoning behind why I've recommended this for you. Beautiful. So, essentially, at the moment within the hub twenty four, you've got your current balance at the 951,054. You've also got your administration fees, investment fees, any other fees applicable, your ongoing service fee and contributions in there as well.\n\nThose contributions are net, so after the taxes have been taken out inside the super system. Within your hub twenty four, you're in that balance growth environment currently. And when we kind of look at how these investments have performed over the past five years, it's averaged about 7.57%. So while it's not bad, it's not exactly where you'd sort of want it to be. Realistically, a balanced growth environment, you're looking to get between six to 8% on a yearly basis and compounding that forward.\n\nThis does hit that, but Benelon has been holding it down. And, realistically, we wanna get the best out of our super. Just because you can get a six to 8% return doesn't mean you want don't want more. We wanna make sure we're getting the best out of our super no matter what portfolio we're in. So what I am recommending for you is, as for the next column, we retain HUB 24.\n\nEssentially, we are gonna switch the investments within that, and we understand, as as I mentioned, I wanted to reduce that tax consequence as much as possible. And you'll see in the differences column there, in order to make the switch, and I'll show you what that looks like in a second, but the estimated tax consequence for your super fund is only $689. So it's much better than 17,000, and it still allows us to alter the portfolio for you as well. Does that make sense? And do you have any questions so far?\n\nNo? Yep. Yeah. Yeah. Abs absolutely.\n\nYeah. Definitely. Now underneath that, you'll also then see your admin fees don't change because they're not changing the platform, but your investment fees do. So this newer the changes I'm making to your portfolio actually reduce your investment fees. It's expected to save you $1,303 for the first year in investment fees, which is great.\n\nThat's more money or less money that you're paying out to suit for fees and more money that stays invested in your super for you. And that investment fee reduction actually outweighs the CDT. So it covers the cost of the capital gains for the inspection of investments and provides you with a further discount there, which is good. That's what we wanted to see. Okay?\n\nThe newer portfolio, it still keeps you in that balanced growth environment, that seventy thirty split, but the newer portfolio has averaged about 8.53% on a yearly basis. So it has the potential to do a lot more. And if you look at the table below, which is the projection table over the next four to five years, this newer portfolio, taking into account all the above in that, projection table, it essentially shows it can put you in a much greater position over the next four to five years, which is what we'd like to see happen to your super. Okay. Yeah.\n\nNow to show you what that looks like, if you go down to page 19 there for me, Paul, you'll see the changes that we are gonna make to your super fund. Can you see the investment table there? Yeah. That's okay. Did you wanna grab your glasses, or did you need to do anything?\n\nI'm happy to hold for you. You got them? Okay. That's alright. I'll go through it easily.\n\nEssentially, what we're gonna look at doing is I've tried to, as I mentioned, reduce the CGT as much as possible, making sure things work as hard as they can for you. So just making some slight alterations to your portfolio to remove any underperforming investments there. Essentially, the Ben along Australian Equities is the top investment. We are gonna remove that wholly from your portfolio, so that is sold down to zero and removed there. The ClearBridge infrastructure fund, that is looking at infrastructure and commercial property that has done really well.\n\nIt does still see growth, and it is an integral part of having a diversified portfolio. So you hold about 6% at the moment. We wanna hold 7% there. So it does mean just buying a little bit more and rebalancing your portfolio back as well. Okay.\n\nWe've also got the Global x battery and lithium tech. Essentially, that has done quite well this year. We have seen a lot of ups and downs. This is more of a thematic. It's called a theme DTF where it is focusing on a specialized area within the investment spectrum.\n\nHaving this, it does get really good growth, and the idea is you wanna see great growth in tech and battery and lithium is still seeing some good growth in areas. So we wanna hold about 7% of that investment. You're a bit overweighted at the moment, which means you have seen some good growth in that area. So we just wanna sell that down a little bit and reweight your portfolio. Okay?\n\nYou've also got the BetaShares Bank hybrids. Now these are being phased out down the track, so we opted to remove them now whilst we are making some changes to your portfolio best to make as many changes as possible to limit having to make more changes down the track unless we have to. Yeah. Yep. Yep.\n\nIt's got the ticket code, the API code BHYB. Can you see that one there? Yeah. Yep. Yep.\n\nIt's 1234 from the top of the page there. Yeah. We're removing that. Yeah. It is gonna be phased out, so we are best to look at removing that completely and replacing that.\n\nNow they bank hybrids are more of a complex investment type, but, essentially, they are a defensive investment. They are seen as lower risk. They tend to expect a lower rate of return, but they're very much income producing. So we are gonna remove that now rather than waiting till we have to down the track and sort of replace that in your portfolio currently. Okay?\n\nYou have some Global x Physical Gold. Physical Gold has done really well. You're a bit overweight in your portfolio at the moment. You're holding a bit over 10%. We only really wanna hold 7%.\n\nSo whilst we are removing some of the investors that haven't been performing and new portfolio, the other important thing to do is to rebalance the investments that we wanna keep in there. Essentially, when you are recommended if originally you recommended 10% in every investment and say some investments went up to 12%, others went down to 9%, it's important to reweight them and sell some of the investments that have gone up and buy into the ones that have gone down a little bit. That helps to rebalance your portfolio and reweight your risk profiling. You guys are very much in the middle and don't like to take on a lot of risks. So, essentially, if we don't rebalance the portfolio and we just let it outweight, some of the investments have performed better than others, but it means that you could have more risk in your portfolio than what you're comfortable taking or less than you're comfortable taking, and that also affects your returns as well.\n\nSo rebalancing your portfolio every so often is just as important, and that's part of what we wanted to do here as well for you. Okay? Yeah. So with the physical sure. Absolutely.\n\nYes. Because it's always good to it's always good to buy low. So when investments are still quality investments, they might see having a dip because of global markets or something happening globally. Taking advantage of the downtime is really important. They always say buy into the dip.\n\nSo buy low, sell high. In all honesty, that can be some of the hardest things for people to do because when we see things going down, we don't see performance as well. It can make us really nervous. So what we like to do and what we've done with Bannalong is assess whether that investment is down because of just the downtime or whether the investment is actually worth getting rid of. We did that.\n\nIt is not worth keeping the Bannalong, but other investments have just seen a bit of a downtime, but they are still worth keeping. And one of those is, like, the battery and lithium tech you can see there. That has had its ups and downs. You're overweighting that at the moment, but this year, it did have a little bit of a downtime as well. We are still keeping that in the portfolio even though it went through that and down because it is still a quality investment.\n\nIt is still a good place to be invested. And when some investments are down, buying in at that time means that you buy into the discounted you buy into the discounted purchase price. As an example, I like to use if you had invested a $100 in CBA one day, and you bought you know, that share was worth a $100, you would buy one share. If that investment went down to $50 the next week and you put a $100 in, you'll get two units of that same investment. If it then went up to a $120, you would buy not even a whole of the following week.\n\nSo the idea is to keep investing through the ups and downs. And when the market is down, when the investments aren't performing as well, you buy into the discounted unit pricing, which means you end up buying more units over time, and it helps to eliminate market risk as well as much as possible because you're taking advantage of the downtime. You're just investing in over time, and that can provide greater returns when you think about it. That can actually help your portfolio grow over the, you know, next five, ten, twenty years. You end up buying more units.\n\nYou take advantage of the downtime, and you see a lot more growth as the market recovers as well. So does that make sense? Yeah. Yeah. Correct.\n\nAbsolutely. Absolutely. It's also good to sort of look at where these investments have come from. So the other thing I like to look at is what kind of downtimes the investments have been through. Most of these investments have been through, downtimes like the GFC and COVID.\n\nThey've gone through that. They've come back and they've stayed. People have continued to invest into them. So they are good quality investments. They've been around for a really long time, and they can withstand that market volatility, which is important as well.\n\nI wouldn't wanna invest you in anything which has only been around for one or two years where it doesn't have that history of or it doesn't have that history or longevity of investment time horizon, and it doesn't show that it's been through the ups and downs the market can provide to you. So that's why these sorts of investments are good quality and worth investing in, essentially. Yeah. All good. Does that answer your question?\n\nIf it doesn't, please tell me. Yeah. Excellent. Excellent. That's okay.\n\nIt's all good. So we're just gonna sell a little bit of your physical gold off. We are gonna cement that, cement the growth you've had there, and redistribute that across your portfolio. One of the things I like to sort of point out is that physical gold is a growth investment. It does see growth, but there's no income production that comes from that.\n\nSo in order to take advantage of the growth that you get from physical gold, you do have to sell some of the growth and distribute the redistribute the funds throughout the portfolio to help with the compounding effect as well. Okay? Absolutely. Mhmm. That's correct.\n\nYeah. Yep. Yep. Yes. That's that's exactly right.\n\nYes. So what we wanna look at and what we look at is exchange traded funds or ETFs and managed funds that pay dividends. Those dividends are paid into your cash account, and then they are back into your portfolio. And that helps with compounding. Yeah.\n\nYeah. Yeah. Absolutely. The next one under there is your core composite bond. So because we are removing the bank hybrids from the portfolio, we're gonna reinvest and keep some defensive assets.\n\nYour core composite bonds provide that. We wanna hold 30% because that's sort of, you know, 30% defensive, 70% growth within that balance growth asset allocation there. So core composite bonds, think of them like term deposits. You're putting your money into the bond. It is paying income payments out every, you know, month, quarter, every biannually depending on the bonds within the fund there, and that money is being distributed and reinvested back into your portfolio.\n\nThis gives you access and exposure to government as well as corporate bonds. It also does provide you some international exposure to bank notes and things like that. So it is very much defensive in nature, is expected to get a lower rate of return, but we want this for cash producing. We want income to be produced out of this investment so we can assist with the compounding and provide growth that way for you. Okay?\n\nYep. Beautiful. Underneath that, you've got the S and P 500. So this is giving you exposure to the top 500 companies on The US market. Fun fact, the S and P 500 can basically encompass anywhere from 500 to 520 different companies, and you are tracking the top 500 also companies on The US market there.\n\nOne of the things I do like about these sorts of investments are they are they're always tracking the top 500 companies. Essentially, it follows the S and P 500 index, and the maker of the indices actually meets every quarter, and they reassess which companies are eligible to be within that indices. If at any point a company no no longer meets the criteria to be in the indices, they are removed out of there, and then all the investments that track the indices follow suit. They remove those investments and replace them with anything that has been put back into the s P 500. So you're always tracking that S and P 500, the top 500 companies in The US, and it is a more of a passive investment, which is great.\n\nAt the moment, it has done really well as much as there's been a lot of up and down within The US. These sorts of investments have done really well still. You've got about 29% in your portfolio currently. We only wanna hold about 25% currently, so we are just gonna rebalance it back a little bit, sell some of the investment, and rewrite you back to 25% there. Okay?\n\nAnd then the last two investments are the BetaShares Raffi Aussie two hundred and the BetaShares Australia two hundred. This is giving you exposure to essentially, between the two, the top 200 companies within the Australian market. The Raffy also gives you some exposure to big cap stocks as well. Essentially, between the two, we wanna hold 12% of each investment. You currently do have the Raffy, so we're just going to reweight that and sell a small portion and buy into the a 200 there.\n\nA lot of people look at these. They do invest in different companies. You're not doubling up by having both of these investments. It's actually giving you actually giving you greater exposure and diversification and providing a lot more exposure into Australian equities, which is what we wanna see as well. So you'll hold about 24% of Australian equities in the portfolio as well.\n\nAnd these two investments are quite passive. They are low cost, but they do give you really good exposure. And the Australian market as a whole still has provided really good returns. Essentially, by removing Van Alung, keeping the Raffy, and then also including the a 200 in this investment, you're actually providing yourself with greater diversification, which helps to mitigate long term market risk sorry, long term market risk and also helps to provide really good returns and a good exposure to a good class of good quality companies on the Australian market as well. Does that make sense?\n\nDo you have any questions in relation to any of that? Yeah. Beautiful. So that's essentially changes to your portfolio. It's just utilizing a lot of what we had, replacing the things we needed to, and making sure to rebalance for you as well.\n\nJust making those simple changes there essentially means that we are expected to save on investment fees, save about $1,303 there. And to make those changes, as I mentioned, the CDT costs are only expected to be $689 as well. So this has provided greater past performance. It's a lower cost portfolio for you, and it's also had greater past performance, which we can if we get the same market conditions, provide a greater future performance there as well. I do wanna make sure we review these investments with you regularly to make sure they are working.\n\nAnd if anything else needs to be moved out the portfolio, we make sure that we do that for you as well. Okay. Absolutely. Yeah. Mhmm.\n\nYes. Yes. Mhmm. Yep. Yes.\n\nMhmm. Yeah. Yeah. She didn't. But in all honesty, it's very hard to kinda go back and assess because we'd have to go back and look at the whole year, how the returns have gone, look at your funds going in.\n\nIt's kinda hard to sort of assume what you would have made without the Benelon going down. It definitely would have been a higher return than what you received with Benelon having taken a bit of a dip there. But when it kinda comes to other people making a 10%, this year has been very volatile, and some investments have performed well, some haven't performed well. Majority of super funds out there are only within your sort of age within your range, have only performed and provided around about a six to 8% return in all honesty. So without knowing when someone else does have got a 10% return, it's about understanding what that return is, whether it is a gross or net return, when their contributions are going in, how much their contributions are, what their balance is, what they're invested in, their risk profile.\n\nSo there's a lot more to sorta consider there. I definitely know you would have made a much greater return than what your portfolio did, but I'm not able to kinda go back and assume what you would have got if Bennelong hadn't been in there just because it's not accurate enough for you. But I can safely tell you it would have been much greater than that, and that's why I wanna make sure we definitely touch base again in about six months, around about March so we can assess your goals, but also check with how this is performing and see what you're sort of tracking for moving forward to make sure things work a little bit harder for you both. Is that okay? I'm so sorry I couldn't give you the exact answer for that one.\n\nBut there are a lot a lot more things to consider there. And one of the things I do sort of like to note is that when you're looking at the industry funds, essentially, they're when they're reporting on their websites and things like that or when they're telling their clients what they've made, they're normally not giving you a standard, you know, what your net return is for your super fund. They're basically saying, hey. This is what our fund has done. This is the the four phase figure of what we're reporting, essentially.\n\nSo it is a little bit harder. When it comes to hub twenty four and what we do, we have to be a lot more we're a lot more scrutinized. So we actually have to provide you with a net return, and it is a return based on your portfolio. So it does they're not really apples to apples, which is a little bit not great, but is this this at least gives you, you know, more clarity around your return and is it before or after fees and what that looks like, which means that when we make these changes, we can actually track those changes and see what you're tracking for and how this should look for you moving forward. Okay?\n\nYeah. Excellent. That's all good. Cath, if you go down to page number 22, this is essentially looking at yours now. Yeah.\n\nIf you're comfortable, Paul, that's everything. Did you have any questions that you wanted me to go through or answer for you? Is there anything that's kinda come up through any of that? The living yep. I didn't listen to text.\n\nYep. I have yeah. I have. It does sound really good, but it is very new, therefore, very speculative. And I was very hesitant about looking at anything like that for your super because we're reducing risk, and you're very conservative and very close to accessing super.\n\nIt's very volatile, And that kinda worried me a little bit. Putting you into something like that means you could see more ups and downs, and you're increasing the risk level that you're taking. And I was with that balanced growth environment and where you are risk wise, it didn't really fit comfortably for me. So that's why I wouldn't put that in your portfolio currently for you. Yeah.\n\nYeah. Yeah. It is pretty cool, though. What they're doing is insane. Yeah.\n\nYeah. Yes. Yeah. Yeah. It's it's pretty good.\n\nOh, absolutely. Yeah. Sure. Mhmm. Yeah.\n\nYeah. Mhmm. Can you write me? Yeah. Yeah.\n\nYeah. You could absolutely look at doing that. We can provide advice around the area if you'd like to. It'll just be about looking at the risk level, looking at, you know, what it is, how we invest in that, whether it be in your own name. As long as you're accountable, things like that, I'd be more than happy to look at those sorts of investments as part of that, you know, personal investing space and see what you're comfortable with.\n\nYeah. Absolutely. Yeah. Yeah. Yeah.\n\nYeah. Yes. Yeah. Yeah. Yeah.\n\nYeah. You're fine, Paul. That's absolutely fine. Thank you so much for your time. I really appreciate it.\n\nYou have a good have a good day. No. Not at all. Not a problem. Okay, Cass.\n\nSo this is excellent. So this is for yourself. Yeah. You're right. You've gotta you've gotta get a witness as well.\n\nSo sign it when you can get it witnessed. Yep. Yep. And No. That's fine.\n\nSo you can it's gotta be two witnesses. One of them can't be the beneficiary. So Paul can't witness the documents. So your daughter and somebody else, as long as she's over 18, that's absolutely fine. Yeah.\n\nFantastic. Excellent. Thank you. No. That's okay.\n\nYou're fine. So with this one here, as we kinda mentioned, we are looking to retain your NGS super there, but we only wanna hold 10,000 in it. So we are gonna roll some funds out of the NGS super. Just retaining 10,000, have everything else invested in hub twenty four working harder for you as well. We want your super contributions to continue to go into NGS Super, and we'll make sure that each time we speak to you, we update the the balance within an NGS Super.\n\nEssentially, every year, we wanna complete rollovers, only leaving that $10,000 balance there. But what I'd probably like to do is essentially look at it whenever we do a catch up and get an updated balance from NGS. I'll find out how much is in there, and we could probably even do regular rollovers once every six months. So we're rolling over small amounts of money on a regular basis, which is dollar cost averaging in the hub 24, which can actually provide you with a much greater return and assist your Subaru by working harder there as well. Okay?\n\nX. Sure. We we can't. We have they have a minimum of 10 a minimum of six, and we leave 10 because your insurance premiums also come out. So that's why we don't leave less.\n\nYeah. Excellent. Now, Kath, if you go down to page number 27 for me, this is essentially your fee comparison table showing your current and recommended. Beautiful. So the current table shows your balance between your NGS super and your hub 24 there.\n\nYou've got your investment fees, admin fees, any other fees applicable, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums there as well. Between the two funds, you're in that balanced growth environment. And when we look at how the two funds have performed over the past five years amalgamated, it's averaged 7.47%. We wanna make sure sure things work a lot harder for you. So in the recommended column there, we're gonna retain 10,000 in NGS Super, roll the rest into hub 24.\n\nIn order to make the investment switch for yourself, your portfolio is gonna be different to Paul's because I was able to update your portfolio, update a lot more of your investments, but your CGT consequence is going to be a lot smaller as well. In order to make the changes that we're gonna make, your super fund is only expected to have capital gains of 382,000. Sorry. $382. My apologies.\n\nYeah. Mhmm. For the insurances? Yeah. I'm sorry.\n\nWhat was that? Oh, the death benefit? Yeah. You're right. I've got that here.\n\nNot a problem at all. Let me just scroll back up for you. Sorry. My computer's having it a minute. It's just loading.\n\nIt froze on me. Love when technology works for us. Essentially, with your life benefit currently in NGS, you're covered for 222,000 just for life benefit. But if you had to pass away, your super balance is paid out on top of that. And the total permanent disability is 80,000.\n\nSo, yeah, the the TPD can be paid out as a lump sum or an income stream. And, again, if you claim on TPD, so permanent incapacity, we can also claim against your super so you can have your super balance released as well. Yeah. Yeah. They do tend to expire.\n\nLife cover doesn't expire as quickly as your disability covers, so it tends to be your income protection, your TPD expire a lot faster. Your life insurance, you can hold a lot longer if you want to. But, realistically, when we look at insurances, we only really wanna hold them as long as we need to. I mean, if you guys end up being completely debt free, is it at a point where you need those insurances or not? Consolidating at some point when you get to retirement, we tend to not need any disability income protection, even life cover, and we tend to sort of cancel that point.\n\nBecause if we're, you know, in retirement, we've stopped working, so we're already drawing an income stream out. So it sort of doesn't help to pay for insurances that you're not gonna be able to claim on with TPD and income for income protection. Sorry. And then often, we just don't need the life cover either because if we pass away, our super benefit pays out anyway. So, realistically, most people tend to cancel them at retirement age.\n\nAnd then if that happens, we can consolidate everything. But if you guys sell the commercial property and end up debt free and look at investing, we could also look then. Do you still need those covers, or is it worth consolidating them if you've got investments and not needing any and not having any debt? So there's definitely times when they don't need them anymore. Yeah.\n\nYep. Mhmm. Yeah. Yeah. Yeah.\n\nIt does have a bit of a long term effect there, which is not great. But yeah. I mean, for now, it's good because if anything happens right now, you could have that coverage to provide that protection. But we'll just review it when we come back in March and have a look at, you know, what your next sort of goals are, what we've got. We can always assess them again.\n\nAnd at any point, if you decide you don't feel like they're working or you don't need them anymore, we can always come back and update the advice for you as well. Okay? Excellent. Fantastic. So with that newer portfolio, we estimate CGT to be $382 there.\n\nEssentially, by moving some more money into hub twenty four, it does increase the admin fee slightly by $32 for the year. But your newer portfolio is a lot cheaper, again, the same as Paul's. It's saving you quite a good amount of money. It's expected to save you $356 for the year on investment fees. So that's good.\n\nThat's reducing fees. The ongoing service fee does essentially remain. The contributions will still go into NGS Super, and that'll also have your insurance premiums coming out of for a bit longer there as well. Okay? With your balance growth portfolio with the newer portfolio between the NGS Super and Hub twenty four, it has performed about 8.45%.\n\nSo it has performed greater than your current scenario, which if you sort of look over the next five to ten years, can put you in a much greater position there. But we wanna build on that and make sure you're in an even better position than that. So we'll come back in March and reassess things and look at what we can do moving forward and what we do with the proceeds of the funds and if Paul gets his redundancy and things like that as well. Okay? Yep.\n\nBeautiful. If you can go down to page number 28 for me, this is showing you the buyers and sales for your portfolio. It is a little bit bigger. Yep. Beautiful.\n\nSo with NGS, so for there, you'll see we are gonna roll about 16,505 and 20 out. That leaves about 10,000 sitting in there for you. We don't need to change anything within within NGS. That's all currently okay. There's no point switching the investments within there currently.\n\nWhen we kind of I'm oh, sorry. Page number 29. My apologies. Sorry. So that's showing you that's okay.\n\nThat's showing you essentially all the research, the returns between the two. So the current at the very top shows you the twelve months, three year, five year, ten year performance for NGS super, and then it also shows you have 24. And then the last column is us amalgamating it together. So we take all the investments to two funds, and then we calculate the total amalgamated or aggregated portfolio, which gives you that five year rolling average. And the same thing below, it looks at the recommended portfolio, so what you can get or what has happened performance wise within NGS Super as well as Hub 24, and then we aggregate the two together to get the 8.45, essentially.\n\nIt does. Yeah. For NGS, yeah, that's what they've reported. Yeah. Yeah.\n\nDefinitely. So with yours, it's yeah. Sorry. Well, the the hub 24 in the current over the past five years has averaged 7.57%. So NDS hasn't performed as well.\n\nRealistically, if if and I'm just surmising here based on sort of the fact that Bennelong has been down pretty heavily. But, realistically, you could have got up between eight to 9% return very conservatively if Bennelong had performed well. Because when you look at Bennelong over the past thirty years, it's performed and had really good, you know, 2030% returns. So that in itself, when you amalgamate that with the rest of the portfolio, it could have made a difference of one to 2%. Conservatively, it could have made a lot more.\n\nSo then you could have got a 10% return, but that is just summarizing based on me running the quick math and everything, but I'll never really know exactly what you would have got prior. Yeah. Yeah. But you can definitely see the difference between the two, and the last column is our aggregated to how we work out our returns. We amalgamate the two together.\n\nOkay? Yep. Beautiful. Excellent. Fantastic.\n\nSo 29 is your investment table there. So we're just leaving 10,000 in the NGS super. So 16,505 is rolled out into Hub 24. And then we're also removing your Ben along Australian equities investment, completely removing that to remove the underperformance. In your portfolio, I am removing the ClearBridge infrastructure fund because I was able to look at ways to alter your portfolio in other ways to provide as much growth as possible and also to lower the fees as much as possible.\n\nI had to limit how much we could alter poles because any major alterations costed more in CDT consequences. And, realistically, he's a lot closer to retirement. So it's about making sure that we're not gonna have to wait years to make those funds back because he has seen much greater growth, and his balance is much higher as well. So I was able to adjust your portfolio in other ways, than I had to do with Paul's for you. Okay?\n\nSo we're removing the ClearBridge infrastructure fund completely as well. I am in yours moving the battery and lithium tech as well taking that out. You're still gonna have access and exposure to those, but I've found a lower cost way to hold those investments in your portfolio that will work better for you. Okay? The bank hybrids are also coming out because they are being replaced down the track there, but we still wanna hold physical gold.\n\nYou've got 11% there at the moment. We only wanna hold 10%. So it's about just selling some of those gains and recementing and distributing those gains across your portfolio. To replace the bank hybrids there, keeping those defensive investments, you're gonna hold some core composite bonds in this portfolio, about 24% in there, and that's gonna give you some income production as well, which is going to be really good. You've also got the S and P 500.\n\nWe wanna hold 25% of that. At the moment, you've got about 29%. So you have seen some really good growth within this investment. So we are just gonna sell some of that back and redistribute that across the portfolio, just rebalancing that investment to 25% there for you. Okay?\n\nWith yours, the Raffy is removing out of that because it was able I was able to find a lot you know, a different way to sort of hold those investments and also making sure to because your balance is lower than Paul's, reducing costs as much as we possibly can. When you sort of look at the investment side of things, your investment fees were much lower to begin with, but they're even lower now, and it's saving about $356. Whereas Paul still got some of those higher cost investments. Now we were able to save a lot of money in investment days, but because of his balance, I couldn't remove a lot of additional investments. So we had to limit the CDT effect for him.\n\nSo I am removing the Rafi completely from yours. We're also then gonna increase exposure or add exposure into cybersecurity. So this is giving you a different level of exposure into battery and lithium tech and cybersecurity as well. It's essentially giving you global exposure to cybersecurity, which is a great area to be invested in, and diversification is good as well. So 4% there.\n\nThe iShares Europe investments are giving you exposure to all 16 European countries to helping to provide diversification and lower overall market risk. And then you've also got some Japanese exposure holding 3% in Japan. Japan is a good place to see growth. They actually did very well looking after their country with stockpiling fuel this year. We didn't do as well as them, but they were kind of really well prepared for that.\n\nSo they are a really good investment opportunity. There has been some really good growth there, and I just wanna keep checking that one moving forward. Holding 3% of that investment will work well for you. And then the other things to look at is the Vanguard or World ex US. Now we have kind of removed a lot of other things out of their portfolio and replaced it with this.\n\nSo this is a an ETF or exchange traded fund that is giving you access and exposure to the entire globe. One of the biggest things we can do is diversify to lower our overall risk, and this investment does that. It gives you exposure to every country minus The US. We don't need The US in this investment because we have the S and P 500 above, and we're holding 25% of that investment there. But this is a low cost way to give you good diversified access to lots of different countries as well as different asset classes and give you a little bit of growth in defensive exposure as well, which is what we wanna see.\n\nAnd this investment has done really well as well. Okay? And then you've got your beta shares a 200 to giving you exposure to the top 100 top 200 companies on the ASX holding 20% of this one. The Vanguard All World ex US does also hold a small component of Australian equities, so we also wanted to encompass that and not hold too much Australian equities. The 20% here plus a small amount in that Vanguard or World Index as well.\n\nThat gives you really good exposure. Essentially, as a whole, it is low CGT cost to make the switch. It's rebalancing your portfolio with the ones that we need to rebalance and adding some diversified exposure to, you know, help lower market risk, but also provide greater greater performance, hopefully, moving forward within your portfolio. And it's cheaper, so it's saving you on investment fees, which is really good. I wanted to look at ways to reduce fees as much as possible as well to keep more money working harder for you at the end of the day there.\n\nOkay. Beautiful. With the next page, you've got your cash account there. You've got about $15 more in cash than we realistically wanted to, so we'll just make sure we invest that money and only hold a minimum of 1.25% cash. Essentially, we didn't have 24.\n\nWe'd have to have a minimum cash balance. It's 1.25%. We never wanna hold more cash than we realistically need to, and part of rebalancing would just be to invest, sorry, that little bit of extra money there for you as well. Okay? Excellent.\n\nThe only other things on there is just making sure that your beneficiaries are done. Those are being sent out, which is fantastic, but a little bit lower on page 32, I have added the beneficiary side of things, and they're just recommending a binding non lapse denomination a 100% to pull on both those super funds to make sure that everything is sorted. And then even lower than that, on pages number 34 and down, it's just about making sure that you guys have a will, have attorneys, and things like that. So I like to put that in there because it gives you a little bit of reading material, but it also kind of helps to generate that conversation. It's not an easy one to have, but it's really good to have that conversation and talk to you your kids about, your family about, and think about what your wishes are and what you want to happen.\n\nYeah. Excellent. All good. Now that is basically all the recommendations. We've got in there the ongoing service agreement.\n\nYou guys are both on 1.10%. Nothing changes there at all, and that all in disclosed there. How we would run through this advice for you is we'll essentially just start by completing an investment switch, then we'll do some partial rollovers for you from your NGS super, and then we'll make sure that we the beneficiaries are all being sent out. So we'll make sure they are also applied there for you as well. Okay?\n\nExcellent. Do you have any questions at all? Is there anything yeah. Yeah. No.\n\nThat's excellent. That's that's part of what I love about my job is the educational value because none of us knew this at school, and my kids still aren't taught any of this, which is kind of hard and sad. And they're 19 and 20 now, so it's a little bit, you know, having to teach them how to how to function and the things that I've learned. And I had to go to uni to learn a lot of this. So I do love that you get to ask questions, and I really enjoy, you know, being able to provide you with the information and, you know, help help you understand why I'm doing what I'm doing for you.\n\nSo, yeah, it's good. Yeah. Absolutely. I'm pretty sure it I think it needs Paul to sign it as well for it to come back, but let me check. Yes.\n\nSo Paul will have his own. There should be two in the email, there'll be two invites, one for yourself and one for Paul. So once you've signed it, it'll then Paul just needs to sign his part as well, and then it will come back to us all fully signed. And there'll be two separate emails. Yes.\n\nYep. Beautiful. Fantastic. Yeah. Yeah.\n\nYeah. So it definitely has been. It's just that we haven't been able to remove that from anyone's portfolio without having the conversations first. So, essentially, as we've been going through the end reviews, we've been flagging it with everyone and then going through the advice process to have it removed. But we have to go through the as I was kinda mentioned in the beginning, we're in that best interest duty.\n\nSo we have to understand your goals and make sure that when we update the portfolio and when we make changes to your portfolio, that is in line with your risk profile, your tolerance, your goals, and what you're actually hoping to achieve. If we had just gone in there and removed that investment out of there, as much as it probably could've mitigated some of the the market drop or some of the drop that I had seen, it we risk kind of having you invested in an investment that isn't in line with your goals, that, you know, is overexposing you or isn't actually what you wanted to see. And then we go to the annual review, and we have the next conversation with you. And then we update the advice to reflect. So that's why we didn't originally move it, and I've been trying to sort of get through all the annual reviews to have that conversation.\n\nThe good thing is as much as it was a dip, Benelong is down. It hasn't really and it has affected everyone's portfolios, essentially, but it has been slowly having little parts of recovery here and there. So it has been coming up slowly. We just decided it's not worth going through the ups and downs. We've given them a long enough time.\n\nIt had a bit of volatility through COVID as well, and the investment committee just decided with the most recent activity with the investment managers is unperforming. It's just not worth keeping anymore. So we've that's why we've sort of done it as slowly as we had, but just making sure the advice is appropriate and and within your goals as well, which is the most important part. Yeah. Absolutely.\n\nAbsolutely. Yeah. We can flag things in advance. And if I see anything additional, we'll make sure we get you back in. Yeah.\n\nAbsolutely. Yep. Yes. Yeah. So the the, yeah, so you're thinking about the bring forward rule.\n\nEssentially, that allows you to yeah. That's okay. It's essentially allowing you to contribute this year's non concessional cap of a 130,000 plus the next two financial years in one go. There are some rules around it about super balance and things like that. But for yourself, Cath, that you know, you're under the limits there with everything.\n\nSo we could definitely look at doing that for you. Those funds go into your tax free component within super, so a 100% invested into the portfolio. And that could definitely build your super a bit higher and provide greater returns and also give you a greater benefit down the track. But, yeah, that's the bring forward rule, which is really cool. One of my favorite rules, and being able to contribute up to 390,000 in one go is pretty awesome.\n\nYep. Yeah. Definitely. That's the carry forward. It's amazing how they worded these ones, but that's the carry forward contribution.\n\nSo, essentially, it takes any of your unused concessional contributions cap. So concessional contributions are your employer contributions, any salary sacrifice, and or deductible contributions. It keeps your myGov account and the ACO keep track of what's being noted or reported by your super fund over the past five years as well as your employer. So any additional cap space over the past five years sits there. And in any one financial year or you can do it slowly over a few financial years, you can essentially go over this year's cap and contribute anything for the past five financial years so long as your super balance is under 500,000 as of the June 30 the prior financial year.\n\nYeah. 500,000 as of June 30 last financial year. So you meet that criteria. That's fine. Yeah.\n\nUnfortunately, not. Yeah. So we just have to double check. Let me double check what the the cap is. I'm pretty sure he actually can because the cap is there.\n\nBut, realistically, if we're looking at trying to boost your super, it would probably provide the greater benefit to yourself. As much as that money going into Paul's super would build on his, if we put it into yours, it means that we're boosting your balance and then also providing you know, getting your super growing a little bit harder as well. You're alright. You're alright. Yeah.\n\nYeah. That's okay. So we can definitely look at putting some into pools as well. Or depending on what you wanna do, we have other ways of investing. So we can build investment portfolios very similar to your super, in, say, hub twenty four or other investments, or we also have investment bonds, which don't have tax consequences.\n\nSome of the cool things I like about investment bonds is you're putting money into a bond. If you're happy to keep it there for, say, ten years, that money can grow and build over time. And then after that ten year time horizon, you start to draw income out of that bond, and there's no income tax on that money. It's all tax free if it's held that way. We can, depending on what you wanna do, if you've got grandkids or kids that you wanna put money away for as, you know, a future inheritance sort of thing, we can look at doing that.\n\nWe can look at putting money into super, turn deposits. There's a lot of things that we can definitely do with regard to the funds. It just comes down to what your goals are, what your risk tolerance is, what you wanna do with the money in the next one, two, five, ten years, and then we kind of work out what strategy works better for you as well. So there's lots of different things that we can do. Yeah.\n\nMhmm. Yeah. Right. Yeah. Right.\n\nYou do you remember what it's called? Yeah. Yes. Yes. Yeah.\n\nSo Vanguard Vanguard has lots of different investment options to choose from, and there are some high risk, some low risk. It just depends on what you're investing in. But Vanguard do have, like, an investment platform very similar to Hub twenty four. And on that platform, you can then invest in all the different in Vanguard different investment options as well. So there are absolutely those other options that we can look at for you.\n\nYeah. Definitely. Yeah. Latrobe? Yep.\n\nYep. Yeah. A lot of those are cash accounts, and Latrobe has there are some rules around Latrobe in accessing those funds. So with them, I know with and I've had clients in Latrobe before. They're not bad in any way.\n\nThey suit a certain type of client, but there are points where if your money's in the Latrobe and you wanna pull money out for any additional reason, they have rules and different fees on things like that. So it can be hard to access funds. So I'd realistically be wanting to look at how how much you need to access in the short term, what the likelihood of you needing to access is, and how do we get good returns whilst allowing you access to your funds when you need them as well. Yeah. Yeah.\n\nYeah. Excellent. Yep. Yeah. Absolutely.\n\nYeah. Yes. Yes. Prior to using it? Yeah.\n\nYeah. Absolutely. No. That's completely understandable. We can certainly look at that.\n\nI just would let you know I'm going away next week, so I'll be away for two weeks. But I'll be back early October. If you need anything, let the team know. They'll book you in as soon as I get back to talk to me. And, yeah, if you guys find out that you're selling the property and you wanna talk beforehand, you just let me know.\n\nI will book you both in at any time that suits you, and we will have that conversation and look at updating the advice for you. Okay? I'm going to Victoria. We're gonna drive the Great Ocean Road. My 10 year old son can't wait.\n\nOh, yes. Yes. Yes. Oh, fantastic. Lovely.\n\nThank you so much. Appreciate you both taking my call. I hope you both have a lovely night. If either of you have any questions, please don't ever hesitate to let me know. But thank you for the opportunity to put this together and taking my call this evening.\n\nAnytime. Thanks, Cass. See you, Paul. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Kath.","start":4.64,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.10399193689227104},{"text":"It's Dana from OQ Financial.","start":5.2799997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.15870383083820344},{"text":"How are you this afternoon?","start":6.8799996,"end":8.02,"sentiment":"neutral","sentiment_score":0.21516787111759186},{"text":"I'm very well.","start":10.4,"end":11.44,"sentiment":"positive","sentiment_score":0.5893686811129252},{"text":"Thank you.","start":11.44,"end":12.0,"sentiment":"positive","sentiment_score":0.6853237748146057}],"sentiment":"neutral","sentiment_score":0.30682917509008856,"num_words":17,"start":4.64,"end":12.0},{"sentences":[{"text":"I had yourself and Paul booked in to go through your updated advice document.","start":12.0,"end":15.675,"sentiment":"neutral","sentiment_score":0.29627438315323423},{"text":"Is now still a good time for you both?","start":15.675,"end":17.615,"sentiment":"neutral","sentiment_score":0.22730043530464172},{"text":"Yeah.","start":18.475,"end":18.975,"sentiment":"neutral","sentiment_score":-0.0060873376205563545},{"text":"Oh, okay.","start":24.555,"end":25.775002,"sentiment":"neutral","sentiment_score":0.05969494581222534},{"text":"Yeah.","start":32.170002,"end":32.41,"sentiment":"neutral","sentiment_score":0.06639030575752258}],"sentiment":"neutral","sentiment_score":0.23604585709809153,"num_words":27,"start":12.0,"end":32.41},{"sentences":[{"text":"Yeah.","start":32.41,"end":32.73,"sentiment":"neutral","sentiment_score":0.08449037373065948},{"text":"If you like, that's not a problem at all.","start":32.73,"end":35.07,"sentiment":"neutral","sentiment_score":0.15754191743003},{"text":"Easy done.","start":35.21,"end":36.11,"sentiment":"neutral","sentiment_score":0.11858047917485237},{"text":"It is easier with you both because I'm going through both of your details.","start":38.17,"end":41.55,"sentiment":"neutral","sentiment_score":0.18698746923889434},{"text":"But if you like, I can take you through your section and run him through his.","start":41.61,"end":45.535,"sentiment":"neutral","sentiment_score":0.19885642174631357}],"sentiment":"neutral","sentiment_score":0.17950133110086122,"num_words":42,"start":32.41,"end":45.535},{"sentences":[{"text":"That's not a problem.","start":45.535,"end":46.335,"sentiment":"neutral","sentiment_score":0.28839872032403946},{"text":"I can make that work for you.","start":46.335,"end":48.195,"sentiment":"neutral","sentiment_score":0.26649494043418337},{"text":"Yeah.","start":51.375,"end":51.775,"sentiment":"neutral","sentiment_score":0.04023618996143341},{"text":"Yeah.","start":51.775,"end":52.095,"sentiment":"neutral","sentiment_score":0.09463179111480712},{"text":"You're right.","start":52.095,"end":52.575,"sentiment":"neutral","sentiment_score":0.1427195742726326}],"sentiment":"neutral","sentiment_score":0.22929110626379648,"num_words":15,"start":45.535,"end":52.575},{"sentences":[{"text":"That's okay.","start":52.575,"end":53.395,"sentiment":"neutral","sentiment_score":0.2168818786740303},{"text":"Fantastic.","start":81.005005,"end":81.505005,"sentiment":"positive","sentiment_score":0.5900472402572632},{"text":"All good.","start":82.285,"end":83.105,"sentiment":"positive","sentiment_score":0.4662673771381378},{"text":"Fantastic.","start":84.1,"end":84.6,"sentiment":"positive","sentiment_score":0.417061984539032},{"text":"Look, Catherine, I'm just gonna send this document through to you so it's in both of your emails there.","start":84.82,"end":89.56,"sentiment":"neutral","sentiment_score":0.1732060885743091}],"sentiment":"neutral","sentiment_score":0.22657293677330018,"num_words":25,"start":52.575,"end":89.56},{"sentences":[{"text":"I'm just pressing send on that now.","start":89.62,"end":91.56,"sentiment":"neutral","sentiment_score":0.10093279502221517},{"text":"Just before we jump into the call and go through things, I do have to let you know, as normal, we do record our calls for quality and training purposes.","start":92.340004,"end":98.215004,"sentiment":"neutral","sentiment_score":0.09775885430475076},{"text":"Are you happy for me to proceed with that?","start":98.215004,"end":100.315,"sentiment":"neutral","sentiment_score":0.1491848180691401},{"text":"Easy.","start":103.095,"end":103.495,"sentiment":"neutral","sentiment_score":0.17025402188301086},{"text":"Not a problem at all.","start":103.495,"end":104.455,"sentiment":"neutral","sentiment_score":0.1782098650932312}],"sentiment":"neutral","sentiment_score":0.11621657508210494,"num_words":52,"start":89.62,"end":104.455},{"sentences":[{"text":"I'll just do a quick security check with yourself just to confirm your full name, your date of birth, and address there for me, Kath.","start":104.455,"end":109.995,"sentiment":"neutral","sentiment_score":0.0993377111852169},{"text":"Yep.","start":111.89,"end":112.39,"sentiment":"neutral","sentiment_score":0.025560609996318817},{"text":"Yep.","start":114.729996,"end":115.229996,"sentiment":"neutral","sentiment_score":0.01752350851893425},{"text":"Beautiful.","start":117.57,"end":118.07,"sentiment":"positive","sentiment_score":0.43723905086517334},{"text":"Thank you so much for that.","start":118.21,"end":119.729996,"sentiment":"positive","sentiment_score":0.6286632418632507}],"sentiment":"neutral","sentiment_score":0.19811015882912805,"num_words":34,"start":104.455,"end":119.729996},{"sentences":[{"text":"Lovely.","start":119.729996,"end":120.21,"sentiment":"positive","sentiment_score":0.5445877313613892},{"text":"Now I've sent that email through with the documents there.","start":120.21,"end":122.895,"sentiment":"neutral","sentiment_score":0.26245284676551817},{"text":"If you're able to able to open it up, it's just easier that you guys are looking at it with me, so it doesn't feel like I'm talking at you at all.","start":123.134995,"end":130.015,"sentiment":"neutral","sentiment_score":0.09415141894714907},{"text":"Easy.","start":130.015,"end":130.515,"sentiment":"neutral","sentiment_score":0.2378213107585907},{"text":"Fantastic.","start":132.415,"end":132.915,"sentiment":"positive","sentiment_score":0.6556212902069092}],"sentiment":"neutral","sentiment_score":0.15723120458424092,"num_words":45,"start":119.729996,"end":132.915},{"sentences":[{"text":"How's your week been?","start":133.055,"end":134.435,"sentiment":"neutral","sentiment_score":0.28465935960412025},{"text":"Oh, that's really good.","start":136.575,"end":137.955,"sentiment":"neutral","sentiment_score":0.29380718246102333},{"text":"Fantastic.","start":138.54,"end":139.04,"sentiment":"positive","sentiment_score":0.5743235945701599},{"text":"Yeah.","start":146.7,"end":147.09999,"sentiment":"neutral","sentiment_score":0.010151533409953116},{"text":"They're both the exact same document, but you do have an email separately because we will get you both to sign it in order to implement the advice.","start":147.09999,"end":153.945,"sentiment":"neutral","sentiment_score":0.032284754827352505}],"sentiment":"neutral","sentiment_score":0.10006090608964625,"num_words":38,"start":133.055,"end":153.945},{"sentences":[{"text":"Yeah.","start":154.10501,"end":154.425,"sentiment":"neutral","sentiment_score":0.018629591912031177},{"text":"But we'll go through it first up.","start":154.425,"end":156.26501,"sentiment":"neutral","sentiment_score":0.01973319479397365},{"text":"Yeah.","start":156.26501,"end":156.76501,"sentiment":"neutral","sentiment_score":0.04351118206977844},{"text":"Excellent.","start":158.18501,"end":158.68501,"sentiment":"positive","sentiment_score":0.5453298091888428},{"text":"That's okay.","start":159.625,"end":160.505,"sentiment":"neutral","sentiment_score":0.1887221708893776}],"sentiment":"neutral","sentiment_score":0.09358727404226859,"num_words":12,"start":154.10501,"end":160.505},{"sentences":[{"text":"You're fine.","start":160.505,"end":161.40501,"sentiment":"neutral","sentiment_score":0.20066487044095993},{"text":"Oh, that's okay.","start":177.08,"end":178.12001,"sentiment":"neutral","sentiment_score":0.08084464073181152},{"text":"Not a problem at all.","start":178.12001,"end":179.08,"sentiment":"neutral","sentiment_score":0.11931321769952774},{"text":"I can start running through things with you if you like.","start":179.08,"end":181.625,"sentiment":"neutral","sentiment_score":0.06584181179377166},{"text":"And if you just let me know when Paul's there, I'll jump in and make sure I'll say hi.","start":181.625,"end":188.72499,"sentiment":"neutral","sentiment_score":0.019301009744307714}],"sentiment":"neutral","sentiment_score":0.0582852216612082,"num_words":40,"start":160.505,"end":188.72499},{"sentences":[{"text":"Yeah.","start":188.72499,"end":189.08,"sentiment":"neutral","sentiment_score":0.08306943625211716},{"text":"All good.","start":189.08,"end":189.79,"sentiment":"neutral","sentiment_score":0.18661800771951675},{"text":"Fantastic.","start":189.79,"end":190.14499,"sentiment":"positive","sentiment_score":0.3863330781459808},{"text":"So on the front of the document there, you'll see statement of advice prepared for yourself, Paul and Catherine Woods, as of the 09/08/2026.","start":190.14499,"end":199.63,"sentiment":"neutral","sentiment_score":0.053151192919661604},{"text":"All of our advice is valid for sixty days, so you can take this back and have a good read through it prior to accepting the advice and signing it.","start":199.93,"end":206.83,"sentiment":"neutral","sentiment_score":0.07928503813842933}],"sentiment":"neutral","sentiment_score":0.07753135007003258,"num_words":58,"start":188.72499,"end":206.83},{"sentences":[{"text":"On the bottom there, it has it prepared by myself and my lovely team here at Oakview Financial, and my license license registration number is 1304394.","start":207.61,"end":217.285,"sentiment":"neutral","sentiment_score":0.08983264290369473},{"text":"Okay?","start":218.46501,"end":218.96501,"sentiment":"neutral","sentiment_score":0.1059161126613617},{"text":"Excellent.","start":219.10501,"end":219.585,"sentiment":"positive","sentiment_score":0.4232564568519592},{"text":"The next page, if you keep scrolling down, it's your best interest, Judy.","start":219.585,"end":222.30501,"sentiment":"neutral","sentiment_score":0.10206658163895974},{"text":"So this is just letting you know that as licensed advisers, we do have a fiduciary duty to look after you to make sure that we are providing advice that is there to meet your goals.","start":222.30501,"end":230.45999,"sentiment":"neutral","sentiment_score":0.2252631787624624}],"sentiment":"neutral","sentiment_score":0.15975534132161698,"num_words":77,"start":207.61,"end":230.45999},{"sentences":[{"text":"And we go through the process we do of making sure we understand your goals, making further and correct inquiries into your circumstances to be able to understand what they are and providing a financial advice to help you to meet those goals there.","start":230.68,"end":242.92,"sentiment":"neutral","sentiment_score":0.2119376656006683},{"text":"So we do definitely adhere to that.","start":242.92,"end":245.185,"sentiment":"positive","sentiment_score":0.39981457591056824},{"text":"If you scroll past the next page, which is your table of content.","start":246.285,"end":249.905,"sentiment":"neutral","sentiment_score":0.09493937715888023},{"text":"Yeah.","start":261.58,"end":261.9,"sentiment":"neutral","sentiment_score":0.06740449368953705},{"text":"Yeah.","start":261.9,"end":262.13998,"sentiment":"neutral","sentiment_score":0.111930213868618}],"sentiment":"neutral","sentiment_score":0.2051137261882876,"num_words":66,"start":230.68,"end":262.13998},{"sentences":[{"text":"You should definitely have one each there.","start":262.13998,"end":263.98,"sentiment":"neutral","sentiment_score":0.16423518317086355},{"text":"Yep.","start":263.98,"end":264.48,"sentiment":"neutral","sentiment_score":0.07359378039836884},{"text":"So Paul's email that I have on file I'm pretty sure we use the same email for both of you.","start":268.715,"end":274.57498,"sentiment":"neutral","sentiment_score":0.037197888456285},{"text":"It's paulcath1@bigpond.com.","start":275.275,"end":277.935,"sentiment":"neutral","sentiment_score":0.024301012977957726},{"text":"Yeah.","start":285.33,"end":285.72998,"sentiment":"neutral","sentiment_score":0.04176485538482666}],"sentiment":"neutral","sentiment_score":0.06637305526002761,"num_words":31,"start":262.13998,"end":285.72998},{"sentences":[{"text":"There should be two invites in the same email there.","start":285.72998,"end":288.44998,"sentiment":"neutral","sentiment_score":0.030588066950440407},{"text":"There should be one for each of you, but that'll be okay.","start":288.44998,"end":290.85,"sentiment":"neutral","sentiment_score":0.00731700612232089},{"text":"Yeah.","start":290.85,"end":291.35,"sentiment":"neutral","sentiment_score":0.08567581325769424},{"text":"Excellent.","start":291.57,"end":292.07,"sentiment":"positive","sentiment_score":0.40803247690200806},{"text":"Hi, Paul.","start":292.13,"end":292.69,"sentiment":"neutral","sentiment_score":0.25607800483703613}],"sentiment":"neutral","sentiment_score":0.05382880933869343,"num_words":26,"start":285.72998,"end":292.69},{"sentences":[{"text":"How are you?","start":292.69,"end":293.59,"sentiment":"neutral","sentiment_score":0.26216915249824524},{"text":"I'm good.","start":294.93,"end":295.49,"sentiment":"positive","sentiment_score":0.4888065457344055},{"text":"Thank you.","start":295.49,"end":295.88998,"sentiment":"positive","sentiment_score":0.5632832646369934},{"text":"How's your week been?","start":295.88998,"end":297.11,"sentiment":"neutral","sentiment_score":0.2388049252331257},{"text":"Well, that's really good.","start":300.035,"end":301.415,"sentiment":"positive","sentiment_score":0.5437514930963516}],"sentiment":"positive","sentiment_score":0.40139418343702954,"num_words":15,"start":292.69,"end":301.415},{"sentences":[{"text":"We're sitting here on page number three at the moment, which is essentially just outlining the areas of the scope that we are and are not looking at advice.","start":301.875,"end":308.755,"sentiment":"neutral","sentiment_score":0.14180302851158996},{"text":"So, essentially, this is just looking at your super at the moment.","start":308.755,"end":311.815,"sentiment":"neutral","sentiment_score":0.17014860113461813},{"text":"So jointly, you've had a goal of being able to retire when you reach ten sixty, if not earlier, and hopefully draw an income of around about $1,000 per week in today's dollars to support your lifestyle throughout retirement.","start":312.18,"end":324.28,"sentiment":"positive","sentiment_score":0.35753338346974206},{"text":"You both wanted to retain that balanced growth environment for now, and we're just looking at updating your portfolio, removing those underperforming investments, and looking at how we can make things work a bit harder.","start":325.08502,"end":335.665,"sentiment":"neutral","sentiment_score":0.09311422758868762},{"text":"And then we talked about meeting again in March next year just after Christmas to sort of talk about moving a bit more conservative or maybe updating things a little bit further for you both.","start":335.80502,"end":345.02,"sentiment":"neutral","sentiment_score":0.09518884441682271}],"sentiment":"neutral","sentiment_score":0.1779232034397622,"num_words":150,"start":301.875,"end":345.02},{"sentences":[{"text":"Does that still sound accurate and appropriate?","start":345.02,"end":347.04,"sentiment":"neutral","sentiment_score":0.14992013573646545},{"text":"Yep.","start":349.41998,"end":349.9,"sentiment":"positive","sentiment_score":0.5210422277450562},{"text":"Beautiful.","start":349.9,"end":350.4,"sentiment":"positive","sentiment_score":0.7122105360031128},{"text":"I've also scoped in your state planning to extent as well.","start":351.1,"end":353.95502,"sentiment":"neutral","sentiment_score":0.29128254137255927},{"text":"So, Paul, we can see that you've got beneficiaries on file, which is fantastic.","start":353.95502,"end":357.495,"sentiment":"neutral","sentiment_score":0.3007128887942859}],"sentiment":"neutral","sentiment_score":0.28519947388592887,"num_words":34,"start":345.02,"end":357.495},{"sentences":[{"text":"But, Kath, we have noted that your beneficiaries aren't applied, so we wanna make sure they are applied and reflective so that at the moment, if anything happens, everything goes to you know, from Paul's sleep, it goes to you, and that's fantastic.","start":358.11502,"end":370.41998,"sentiment":"neutral","sentiment_score":0.09968534991318403},{"text":"But at the other way around, we need to make sure that's reflective for you.","start":370.56,"end":374.8,"sentiment":"neutral","sentiment_score":0.0379102007796367},{"text":"So we'll get your beneficiaries applied and updated on all the super funds.","start":374.8,"end":378.81998,"sentiment":"neutral","sentiment_score":0.0439434634664884},{"text":"It's it's alright.","start":380.505,"end":383.145,"sentiment":"neutral","sentiment_score":-0.003138576634228231},{"text":"I'll go back and double check it.","start":383.145,"end":384.745,"sentiment":"neutral","sentiment_score":-0.0230059488842796}],"sentiment":"neutral","sentiment_score":0.06488803346831075,"num_words":81,"start":358.11502,"end":384.745},{"sentences":[{"text":"I can just see it's not really applied.","start":384.745,"end":386.525,"sentiment":"neutral","sentiment_score":-0.08533246023580432},{"text":"I'll find out why, and we'll make sure that we have that fixed up and reflective for you because I wouldn't want anything to happen and have it all go wrong for you.","start":386.585,"end":395.8,"sentiment":"neutral","sentiment_score":-0.0580037944230505},{"text":"Yeah.","start":395.8,"end":396.3,"sentiment":"neutral","sentiment_score":0.017308421432971954},{"text":"Absolutely.","start":397.15997,"end":397.65997,"sentiment":"neutral","sentiment_score":0.24998457729816437},{"text":"All good.","start":398.52,"end":399.25998,"sentiment":"neutral","sentiment_score":0.28636280447244644}],"sentiment":"neutral","sentiment_score":-0.03903925089269049,"num_words":45,"start":384.745,"end":399.25998},{"sentences":[{"text":"And yeah.","start":400.19998,"end":402.86,"sentiment":"neutral","sentiment_score":0.05418796464800835},{"text":"Yeah.","start":403.08,"end":403.58,"sentiment":"neutral","sentiment_score":0.0592193640768528},{"text":"Yeah.","start":406.24503,"end":406.74503,"sentiment":"neutral","sentiment_score":0.1291845291852951},{"text":"Absolutely.","start":406.80502,"end":407.30502,"sentiment":"neutral","sentiment_score":0.22637102007865903},{"text":"Not a problem at all.","start":407.445,"end":408.64502,"sentiment":"neutral","sentiment_score":0.2944938182830811}],"sentiment":"neutral","sentiment_score":0.1995619934052229,"num_words":10,"start":400.19998,"end":408.64502},{"sentences":[{"text":"I'll just get my team member to do that.","start":408.64502,"end":410.64502,"sentiment":"neutral","sentiment_score":0.1680018338892195},{"text":"I'm just gonna Teams her real quick.","start":410.64502,"end":412.58502,"sentiment":"neutral","sentiment_score":0.14796615711280278},{"text":"Perfect.","start":425.3,"end":425.78,"sentiment":"positive","sentiment_score":0.5956108570098877},{"text":"So I just quickly confirmed that with my colleague.","start":425.78,"end":427.94,"sentiment":"positive","sentiment_score":0.3613216347164578},{"text":"They're gonna get that sorted for you.","start":427.94,"end":429.705,"sentiment":"positive","sentiment_score":0.38319556627954754}],"sentiment":"neutral","sentiment_score":0.2750804284305284,"num_words":33,"start":408.64502,"end":429.705},{"sentences":[{"text":"Yeah.","start":431.78497,"end":432.10498,"sentiment":"neutral","sentiment_score":0.02831365168094635},{"text":"And you're happy for us to pre fill that with Paul's details to make it easier for you?","start":432.10498,"end":436.205,"sentiment":"positive","sentiment_score":0.6311542441447576},{"text":"Yep.","start":437.54498,"end":438.04498,"sentiment":"positive","sentiment_score":0.3941734433174134},{"text":"Easy.","start":438.50497,"end":438.905,"sentiment":"positive","sentiment_score":0.4301212430000305},{"text":"Not a problem at all.","start":438.905,"end":439.94498,"sentiment":"positive","sentiment_score":0.42131165862083436}],"sentiment":"positive","sentiment_score":0.5507670394503154,"num_words":26,"start":431.78497,"end":439.94498},{"sentences":[{"text":"It's alright.","start":439.94498,"end":440.34497,"sentiment":"neutral","sentiment_score":0.31012697517871857},{"text":"I sit next to my admin team member, and she was, like, on the ball.","start":440.34497,"end":443.56497,"sentiment":"neutral","sentiment_score":0.25399708449840547},{"text":"It's all fine.","start":443.705,"end":444.60498,"sentiment":"positive","sentiment_score":0.48766647775967914},{"text":"Excellent.","start":445.88998,"end":446.38998,"sentiment":"positive","sentiment_score":0.6598982810974121},{"text":"On page number four, we've got a limited scope there.","start":446.77,"end":449.49,"sentiment":"neutral","sentiment_score":0.09583193026483058}],"sentiment":"neutral","sentiment_score":0.24230410435026692,"num_words":31,"start":439.94498,"end":449.49},{"sentences":[{"text":"So, with that, it's just about looking at the insurance side of things.","start":449.49,"end":452.85,"sentiment":"neutral","sentiment_score":0.05486346451708904},{"text":"So, essentially, we're not making a recommendation to alter your insurances there, Catherine, but we are looking to keep those insurances in place.","start":452.85,"end":459.135,"sentiment":"neutral","sentiment_score":-0.004227974006663198},{"text":"The reason I limited scope them in is so that they can be accounted for as part of your projections because these insurances are paid for from super.","start":459.61502,"end":467.155,"sentiment":"neutral","sentiment_score":0.06448899329240833},{"text":"We do know that it has a long term effect on retirement.","start":467.61502,"end":470.435,"sentiment":"neutral","sentiment_score":0.12561241133759418},{"text":"So we essentially, whilst not making any new changes or recommendations, we just like to scope it in so that we can have that reflective of the rest of the advice.","start":470.655,"end":479.7,"sentiment":"neutral","sentiment_score":0.12632633277004765}],"sentiment":"neutral","sentiment_score":0.07331905327737331,"num_words":107,"start":449.49,"end":479.7},{"sentences":[{"text":"Okay?","start":479.84,"end":480.34,"sentiment":"neutral","sentiment_score":0.03283663094043732},{"text":"Oh, I can show you.","start":483.6,"end":484.88,"sentiment":"neutral","sentiment_score":0.1080487459897995},{"text":"I've got the projected to show you.","start":484.88,"end":486.72,"sentiment":"neutral","sentiment_score":0.19264694835458482},{"text":"That's easy.","start":486.72,"end":487.7,"sentiment":"neutral","sentiment_score":0.2854480892419815},{"text":"Yep.","start":487.84,"end":488.34,"sentiment":"neutral","sentiment_score":0.05775835365056992}],"sentiment":"neutral","sentiment_score":0.15939147071912885,"num_words":16,"start":479.84,"end":488.34},{"sentences":[{"text":"On yeah.","start":489.595,"end":493.03497,"sentiment":"neutral","sentiment_score":0.002386001870036125},{"text":"That's okay.","start":493.03497,"end":493.935,"sentiment":"neutral","sentiment_score":0.049666255712509155},{"text":"No.","start":504.43,"end":504.66998,"sentiment":"neutral","sentiment_score":0.014039374887943268},{"text":"You're absolutely fine.","start":504.66998,"end":506.28998,"sentiment":"neutral","sentiment_score":0.18098835150400797},{"text":"And then on pages five and six, we've got areas that we're not looking for advice at the moment.","start":506.91,"end":511.31,"sentiment":"neutral","sentiment_score":-0.027573731286745323}],"sentiment":"neutral","sentiment_score":0.005081779633959134,"num_words":27,"start":489.595,"end":511.31},{"sentences":[{"text":"The areas are on cash flow and budgeting.","start":511.31,"end":513.17,"sentiment":"neutral","sentiment_score":-0.017998787865508348},{"text":"Paul's insurance is because he doesn't have any, but he has a really great super balance, which covers majority of you know, basically, it covers all your debts in the event that something was to happen.","start":513.55,"end":522.395,"sentiment":"neutral","sentiment_score":0.1967327277072602},{"text":"And then, obviously, the investment and the investment properties and personal investments there.","start":522.85504,"end":526.775,"sentiment":"neutral","sentiment_score":0.06547767869555034},{"text":"But we can always come back and look at these additional areas down the track.","start":526.775,"end":530.46,"sentiment":"neutral","sentiment_score":0.13009623636802037},{"text":"One of the things we talked about was just because, you know, your supers hadn't performed as much as we'd like that then along the investment was down this year, so we wanted to try to get the advice updated, get the super working a bit harder, and replace those underperforming investment straight away, and then come back and look at other advice down the track.","start":530.86005,"end":547.455,"sentiment":"neutral","sentiment_score":-0.06692470423877239}],"sentiment":"neutral","sentiment_score":0.03857978828507813,"num_words":138,"start":511.31,"end":547.455},{"sentences":[{"text":"Does that still sound appropriate to you both?","start":547.515,"end":549.515,"sentiment":"neutral","sentiment_score":0.10653763031587005},{"text":"Is there any changes or anything that should be different in that area?","start":549.515,"end":553.375,"sentiment":"neutral","sentiment_score":-0.03824324332750761},{"text":"Yep.","start":556.075,"end":556.5,"sentiment":"neutral","sentiment_score":0.16518941521644592},{"text":"Yep.","start":556.74,"end":557.14,"sentiment":"neutral","sentiment_score":0.2713193893432617},{"text":"Perfect.","start":557.14,"end":557.64,"sentiment":"positive","sentiment_score":0.6100659370422363}],"sentiment":"neutral","sentiment_score":0.05840473420297106,"num_words":24,"start":547.515,"end":557.64},{"sentences":[{"text":"I'm gonna skip a couple of pages now because you do get to go back and have a good look at and review everything afterwards.","start":557.86,"end":563.24,"sentiment":"neutral","sentiment_score":0.30125067591667176},{"text":"But just to kinda jump into the recommendations and go through things with you, if you can scroll down to page number 13 there for me, and this is starting for yourself, Paul.","start":563.3,"end":573.935,"sentiment":"neutral","sentiment_score":0.23876423320987009},{"text":"Beautiful.","start":576.39496,"end":576.89496,"sentiment":"positive","sentiment_score":0.5754783153533936},{"text":"So, essentially, I did have a look at your super funds as a whole, both of them.","start":577.035,"end":581.69495,"sentiment":"neutral","sentiment_score":0.14195847248329835},{"text":"Essentially, I am recommending you do stay within hub twenty four.","start":582.07495,"end":585.36,"sentiment":"neutral","sentiment_score":0.1188352145254612}],"sentiment":"neutral","sentiment_score":0.22651087702519593,"num_words":87,"start":557.86,"end":585.36},{"sentences":[{"text":"Essentially, when I sort of go back and look at the research, I look at Hub twenty four as a platform, but also all the other platforms out there.","start":585.76,"end":592.18,"sentiment":"neutral","sentiment_score":0.04832335869813788},{"text":"I look at sorry.","start":592.24,"end":593.51996,"sentiment":"neutral","sentiment_score":-0.04507945477962494},{"text":"All the investments that you have within the platform, you guys are both balanced growth investors.","start":593.51996,"end":598.645,"sentiment":"neutral","sentiment_score":0.0011674102861434221},{"text":"So it has that seventy thirty split between growth and defensive investments as we kinda went through.","start":598.645,"end":603.945,"sentiment":"neutral","sentiment_score":-0.04204655898844495},{"text":"Essentially, if I had a looked at and, realistically, we did assess it, but, technically, decided not to go that way.","start":604.405,"end":610.825,"sentiment":"neutral","sentiment_score":-0.17533990740776062}],"sentiment":"neutral","sentiment_score":-0.03628955644437636,"num_words":87,"start":585.76,"end":610.825},{"sentences":[{"text":"But for yourself, Paul, if we had have looked at, say, selling all of your investments down and moving you to a new platform, the full sell down would have meant your super fund had a tax liability of 7,000 oh, sorry.","start":610.94,"end":623.5,"sentiment":"neutral","sentiment_score":-0.17604925935821875},{"text":"$17,252.20.","start":623.5,"end":626.835,"sentiment":"neutral","sentiment_score":0.024918992072343823},{"text":"So remember last time we talked about when we're looking at switching investments, your super fund, like you, does a tax return.","start":627.315,"end":633.395,"sentiment":"neutral","sentiment_score":0.005721529310738499},{"text":"It pays income tax and capital gains tax.","start":633.395,"end":636.215,"sentiment":"neutral","sentiment_score":0.008407367393374443},{"text":"So part of what I did to go back and review everything was to look at the tax consequences and what that might look like for you for your super fund.","start":636.91504,"end":644.06,"sentiment":"neutral","sentiment_score":0.038226190180848205}],"sentiment":"neutral","sentiment_score":-0.05760582135945487,"num_words":104,"start":610.94,"end":644.06},{"sentences":[{"text":"And, essentially, because, you know, as much as you got a really great balance, you've had a lot of growth in there as well even though the performance hasn't been where we sorta like it to be for the year.","start":644.52,"end":653.205,"sentiment":"neutral","sentiment_score":0.2484912066720426},{"text":"So if we had a sold down everything and moved you to another fund, yeah, it would have essentially meant there would have been capital gains to your fund of over $17,252.","start":653.525,"end":663.925,"sentiment":"neutral","sentiment_score":-0.06234758807113394},{"text":"So I discounted that and didn't go that way and then looked at other ways to alter your portfolio for you so that you could retain hub twenty four, still switch the investments out and have them working a bit harder for you and also save on fees.","start":663.925,"end":678.31,"sentiment":"neutral","sentiment_score":0.01871292743210991},{"text":"Okay?","start":678.52997,"end":679.02997,"sentiment":"neutral","sentiment_score":0.051949504762887955},{"text":"Excellent.","start":680.615,"end":681.115,"sentiment":"positive","sentiment_score":0.6069539785385132}],"sentiment":"neutral","sentiment_score":0.07788237252990242,"num_words":122,"start":644.52,"end":681.115},{"sentences":[{"text":"That's okay.","start":681.175,"end":681.975,"sentiment":"positive","sentiment_score":0.4098726063966751},{"text":"If you go down to page number 17 for me, this is your fee comparison table which outlines essentially the recommendations and a lot of the reasoning behind why I've recommended this for you.","start":681.975,"end":693.59503,"sentiment":"neutral","sentiment_score":0.17608719362932093},{"text":"Beautiful.","start":696.99,"end":697.49,"sentiment":"positive","sentiment_score":0.4370182752609253},{"text":"So, essentially, at the moment within the hub twenty four, you've got your current balance at the 951,054.","start":698.35004,"end":705.33,"sentiment":"neutral","sentiment_score":0.16651605069637299},{"text":"You've also got your administration fees, investment fees, any other fees applicable, your ongoing service fee and contributions in there as well.","start":705.63,"end":713.145,"sentiment":"neutral","sentiment_score":0.13492693108591167}],"sentiment":"neutral","sentiment_score":0.17155077231007737,"num_words":77,"start":681.175,"end":713.145},{"sentences":[{"text":"Those contributions are net, so after the taxes have been taken out inside the super system.","start":713.445,"end":719.145,"sentiment":"neutral","sentiment_score":0.10640225419774652},{"text":"Within your hub twenty four, you're in that balance growth environment currently.","start":720.085,"end":723.945,"sentiment":"neutral","sentiment_score":0.1532533789674441},{"text":"And when we kind of look at how these investments have performed over the past five years, it's averaged about 7.57%.","start":724.47,"end":731.05,"sentiment":"neutral","sentiment_score":0.08963933977342788},{"text":"So while it's not bad, it's not exactly where you'd sort of want it to be.","start":731.11,"end":735.20996,"sentiment":"neutral","sentiment_score":-0.08768472191877663},{"text":"Realistically, a balanced growth environment, you're looking to get between six to 8% on a yearly basis and compounding that forward.","start":735.26996,"end":741.865,"sentiment":"neutral","sentiment_score":0.1202901222166561}],"sentiment":"neutral","sentiment_score":0.07612836937051873,"num_words":86,"start":713.445,"end":741.865},{"sentences":[{"text":"This does hit that, but Benelon has been holding it down.","start":742.085,"end":746.245,"sentiment":"neutral","sentiment_score":-0.08888452364639803},{"text":"And, realistically, we wanna get the best out of our super.","start":746.405,"end":749.125,"sentiment":"neutral","sentiment_score":0.2501096007498828},{"text":"Just because you can get a six to 8% return doesn't mean you want don't want more.","start":749.125,"end":753.60504,"sentiment":"neutral","sentiment_score":0.18699807783260064},{"text":"We wanna make sure we're getting the best out of our super no matter what portfolio we're in.","start":753.60504,"end":758.04004,"sentiment":"neutral","sentiment_score":0.3010419052508142},{"text":"So what I am recommending for you is, as for the next column, we retain HUB 24.","start":758.58,"end":763.88,"sentiment":"neutral","sentiment_score":0.0673895315541064}],"sentiment":"neutral","sentiment_score":0.15563269597604065,"num_words":74,"start":742.085,"end":763.88},{"sentences":[{"text":"Essentially, we are gonna switch the investments within that, and we understand, as as I mentioned, I wanted to reduce that tax consequence as much as possible.","start":764.42004,"end":773.245,"sentiment":"neutral","sentiment_score":0.06640936779203238},{"text":"And you'll see in the differences column there, in order to make the switch, and I'll show you what that looks like in a second, but the estimated tax consequence for your super fund is only $689.","start":773.705,"end":784.63,"sentiment":"neutral","sentiment_score":0.15001932058382678},{"text":"So it's much better than 17,000, and it still allows us to alter the portfolio for you as well.","start":784.77,"end":790.61005,"sentiment":"positive","sentiment_score":0.44939458291781575},{"text":"Does that make sense?","start":790.61005,"end":791.41003,"sentiment":"neutral","sentiment_score":0.16266071423888206},{"text":"And do you have any questions so far?","start":791.41003,"end":793.43005,"sentiment":"neutral","sentiment_score":0.03225428145378828}],"sentiment":"neutral","sentiment_score":0.17674675764221895,"num_words":95,"start":764.42004,"end":793.43005},{"sentences":[{"text":"No?","start":795.65,"end":796.15,"sentiment":"neutral","sentiment_score":-0.1651339828968048},{"text":"Yep.","start":799.545,"end":799.945,"sentiment":"neutral","sentiment_score":0.017695773392915726},{"text":"Yeah.","start":799.945,"end":800.425,"sentiment":"neutral","sentiment_score":0.025663182139396667},{"text":"Yeah.","start":800.425,"end":800.745,"sentiment":"neutral","sentiment_score":0.019360139966011047},{"text":"Abs absolutely.","start":800.745,"end":802.205,"sentiment":"neutral","sentiment_score":0.0927327498793602}],"sentiment":"neutral","sentiment_score":0.013841768726706505,"num_words":6,"start":795.65,"end":802.205},{"sentences":[{"text":"Yeah.","start":802.825,"end":803.145,"sentiment":"neutral","sentiment_score":0.17676854133605957},{"text":"Definitely.","start":803.145,"end":803.645,"sentiment":"neutral","sentiment_score":0.2932325303554535},{"text":"Now underneath that, you'll also then see your admin fees don't change because they're not changing the platform, but your investment fees do.","start":804.425,"end":811.565,"sentiment":"neutral","sentiment_score":0.09819081603832867},{"text":"So this newer the changes I'm making to your portfolio actually reduce your investment fees.","start":811.59,"end":816.79004,"sentiment":"positive","sentiment_score":0.4399493197600047},{"text":"It's expected to save you $1,303 for the first year in investment fees, which is great.","start":816.79004,"end":822.39,"sentiment":"positive","sentiment_score":0.7126592826098204}],"sentiment":"positive","sentiment_score":0.3701817528344691,"num_words":56,"start":802.825,"end":822.39},{"sentences":[{"text":"That's more money or less money that you're paying out to suit for fees and more money that stays invested in your super for you.","start":822.39,"end":829.375,"sentiment":"positive","sentiment_score":0.5476719629764557},{"text":"And that investment fee reduction actually outweighs the CDT.","start":829.435,"end":832.97504,"sentiment":"positive","sentiment_score":0.40690983831882477},{"text":"So it covers the cost of the capital gains for the inspection of investments and provides you with a further discount there, which is good.","start":833.35504,"end":840.555,"sentiment":"positive","sentiment_score":0.35506491124629974},{"text":"That's what we wanted to see.","start":840.555,"end":842.015,"sentiment":"positive","sentiment_score":0.46298202375570935},{"text":"Okay?","start":843.33,"end":843.83,"sentiment":"neutral","sentiment_score":0.2081698179244995}],"sentiment":"positive","sentiment_score":0.44267685395298584,"num_words":66,"start":822.39,"end":843.83},{"sentences":[{"text":"The newer portfolio, it still keeps you in that balanced growth environment, that seventy thirty split, but the newer portfolio has averaged about 8.53% on a yearly basis.","start":844.13,"end":853.89,"sentiment":"positive","sentiment_score":0.4281694697482245},{"text":"So it has the potential to do a lot more.","start":853.89,"end":856.575,"sentiment":"positive","sentiment_score":0.58960842192173},{"text":"And if you look at the table below, which is the projection table over the next four to five years, this newer portfolio, taking into account all the above in that, projection table, it essentially shows it can put you in a much greater position over the next four to five years, which is what we'd like to see happen to your super.","start":856.655,"end":874.34,"sentiment":"positive","sentiment_score":0.4267917734289926},{"text":"Okay.","start":874.64,"end":875.14,"sentiment":"neutral","sentiment_score":0.12906557321548462},{"text":"Yeah.","start":877.84,"end":878.34,"sentiment":"neutral","sentiment_score":-0.02083517424762249}],"sentiment":"positive","sentiment_score":0.4357372960889513,"num_words":103,"start":844.13,"end":878.34},{"sentences":[{"text":"Now to show you what that looks like, if you go down to page 19 there for me, Paul, you'll see the changes that we are gonna make to your super fund.","start":879.60004,"end":889.115,"sentiment":"neutral","sentiment_score":0.10040276020299643},{"text":"Can you see the investment table there?","start":894.935,"end":897.115,"sentiment":"neutral","sentiment_score":0.0331062451004982},{"text":"Yeah.","start":899.175,"end":899.675,"sentiment":"neutral","sentiment_score":-0.04234016314148903},{"text":"That's okay.","start":903.55,"end":904.27,"sentiment":"neutral","sentiment_score":-0.017539716325700283},{"text":"Did you wanna grab your glasses, or did you need to do anything?","start":904.27,"end":906.83,"sentiment":"neutral","sentiment_score":-0.01291289681998583}],"sentiment":"neutral","sentiment_score":0.0581699052317576,"num_words":55,"start":879.60004,"end":906.83},{"sentences":[{"text":"I'm happy to hold for you.","start":906.83,"end":908.11,"sentiment":"neutral","sentiment_score":0.026476997261246044},{"text":"You got them?","start":908.11,"end":908.93,"sentiment":"neutral","sentiment_score":-0.048204815636078514},{"text":"Okay.","start":911.47003,"end":911.97003,"sentiment":"neutral","sentiment_score":0.024553555995225903},{"text":"That's alright.","start":912.11,"end":912.83,"sentiment":"neutral","sentiment_score":0.14276527613401413},{"text":"I'll go through it easily.","start":912.83,"end":914.13,"sentiment":"neutral","sentiment_score":0.20707132518291474}],"sentiment":"neutral","sentiment_score":0.0799816629904158,"num_words":17,"start":906.83,"end":914.13},{"sentences":[{"text":"Essentially, what we're gonna look at doing is I've tried to, as I mentioned, reduce the CGT as much as possible, making sure things work as hard as they can for you.","start":914.83496,"end":922.51495,"sentiment":"neutral","sentiment_score":0.015203302493318915},{"text":"So just making some slight alterations to your portfolio to remove any underperforming investments there.","start":922.51495,"end":928.45496,"sentiment":"neutral","sentiment_score":-0.05465972994764646},{"text":"Essentially, the Ben along Australian Equities is the top investment.","start":929.02997,"end":932.00995,"sentiment":"neutral","sentiment_score":-0.04718974120914936},{"text":"We are gonna remove that wholly from your portfolio, so that is sold down to zero and removed there.","start":932.31,"end":937.68994,"sentiment":"neutral","sentiment_score":-0.1357799860599794},{"text":"The ClearBridge infrastructure fund, that is looking at infrastructure and commercial property that has done really well.","start":938.23,"end":943.82996,"sentiment":"neutral","sentiment_score":0.32562046278925505}],"sentiment":"neutral","sentiment_score":0.02312301559954561,"num_words":93,"start":914.83496,"end":943.82996},{"sentences":[{"text":"It does still see growth, and it is an integral part of having a diversified portfolio.","start":943.82996,"end":949.095,"sentiment":"positive","sentiment_score":0.4339944962412119},{"text":"So you hold about 6% at the moment.","start":949.315,"end":952.115,"sentiment":"neutral","sentiment_score":0.15895299799740314},{"text":"We wanna hold 7% there.","start":952.115,"end":953.875,"sentiment":"neutral","sentiment_score":0.13001998513936996},{"text":"So it does mean just buying a little bit more and rebalancing your portfolio back as well.","start":953.875,"end":958.51495,"sentiment":"neutral","sentiment_score":0.15428018131676843},{"text":"Okay.","start":958.51495,"end":959.01495,"sentiment":"neutral","sentiment_score":0.12279751896858215}],"sentiment":"neutral","sentiment_score":0.24704673299764066,"num_words":47,"start":943.82996,"end":959.01495},{"sentences":[{"text":"We've also got the Global x battery and lithium tech.","start":960.56995,"end":963.55,"sentiment":"neutral","sentiment_score":0.22041425108909607},{"text":"Essentially, that has done quite well this year.","start":963.76996,"end":966.17,"sentiment":"positive","sentiment_score":0.3963281773030758},{"text":"We have seen a lot of ups and downs.","start":966.17,"end":968.02997,"sentiment":"neutral","sentiment_score":-0.00839140514532725},{"text":"This is more of a thematic.","start":968.08997,"end":969.29,"sentiment":"neutral","sentiment_score":-0.013503201926747957},{"text":"It's called a theme DTF where it is focusing on a specialized area within the investment spectrum.","start":969.29,"end":975.06995,"sentiment":"neutral","sentiment_score":0.097724009086104}],"sentiment":"neutral","sentiment_score":0.13759068451821804,"num_words":50,"start":960.56995,"end":975.06995},{"sentences":[{"text":"Having this, it does get really good growth, and the idea is you wanna see great growth in tech and battery and lithium is still seeing some good growth in areas.","start":975.965,"end":983.80505,"sentiment":"positive","sentiment_score":0.3762106491673377},{"text":"So we wanna hold about 7% of that investment.","start":983.80505,"end":986.765,"sentiment":"neutral","sentiment_score":0.14446070293585458},{"text":"You're a bit overweighted at the moment, which means you have seen some good growth in that area.","start":986.765,"end":991.10504,"sentiment":"neutral","sentiment_score":-0.07381407337056266},{"text":"So we just wanna sell that down a little bit and reweight your portfolio.","start":991.3,"end":994.92004,"sentiment":"neutral","sentiment_score":-0.080136310841356},{"text":"Okay?","start":996.9,"end":997.3,"sentiment":"neutral","sentiment_score":0.05125809833407402}],"sentiment":"neutral","sentiment_score":0.14470373803417977,"num_words":73,"start":975.965,"end":997.3},{"sentences":[{"text":"You've also got the BetaShares Bank hybrids.","start":997.3,"end":999.7,"sentiment":"neutral","sentiment_score":0.0273550951055118},{"text":"Now these are being phased out down the track, so we opted to remove them now whilst we are making some changes to your portfolio best to make as many changes as possible to limit having to make more changes down the track unless we have to.","start":999.7,"end":1013.245,"sentiment":"neutral","sentiment_score":-0.06303927887904834},{"text":"Yeah.","start":1014.185,"end":1014.685,"sentiment":"neutral","sentiment_score":0.006109871901571751},{"text":"Yep.","start":1015.54504,"end":1016.04504,"sentiment":"neutral","sentiment_score":0.03677856549620629},{"text":"Yep.","start":1017.625,"end":1018.05,"sentiment":"neutral","sentiment_score":0.047914519906044006}],"sentiment":"neutral","sentiment_score":-0.047027324285488906,"num_words":57,"start":997.3,"end":1018.05},{"sentences":[{"text":"It's got the ticket code, the API code BHYB.","start":1018.20996,"end":1021.89,"sentiment":"neutral","sentiment_score":0.028059480504857168},{"text":"Can you see that one there?","start":1021.89,"end":1023.43,"sentiment":"neutral","sentiment_score":0.015396506525576115},{"text":"Yeah.","start":1028.05,"end":1028.55,"sentiment":"neutral","sentiment_score":0.030087489634752274},{"text":"Yep.","start":1028.9299,"end":1029.25,"sentiment":"neutral","sentiment_score":0.025154873728752136},{"text":"Yep.","start":1029.25,"end":1029.57,"sentiment":"neutral","sentiment_score":0.02060561068356037}],"sentiment":"neutral","sentiment_score":0.023375685430235334,"num_words":18,"start":1018.20996,"end":1029.57},{"sentences":[{"text":"It's 1234 from the top of the page there.","start":1029.57,"end":1032.9299,"sentiment":"neutral","sentiment_score":-0.0006317310552630159},{"text":"Yeah.","start":1032.9299,"end":1033.4299,"sentiment":"neutral","sentiment_score":-0.006895662285387516},{"text":"We're removing that.","start":1035.395,"end":1036.755,"sentiment":"neutral","sentiment_score":-0.11173394322395325},{"text":"Yeah.","start":1036.755,"end":1036.995,"sentiment":"neutral","sentiment_score":-0.08948803693056107},{"text":"It is gonna be phased out, so we are best to look at removing that completely and replacing that.","start":1036.995,"end":1042.135,"sentiment":"neutral","sentiment_score":-0.1738046956689734}],"sentiment":"neutral","sentiment_score":-0.11332000988168699,"num_words":33,"start":1029.57,"end":1042.135},{"sentences":[{"text":"Now they bank hybrids are more of a complex investment type, but, essentially, they are a defensive investment.","start":1042.515,"end":1048.78,"sentiment":"neutral","sentiment_score":0.0015413792183001835},{"text":"They are seen as lower risk.","start":1048.78,"end":1050.3,"sentiment":"neutral","sentiment_score":0.12680954299867153},{"text":"They tend to expect a lower rate of return, but they're very much income producing.","start":1050.3,"end":1053.92,"sentiment":"neutral","sentiment_score":0.10254467527071635},{"text":"So we are gonna remove that now rather than waiting till we have to down the track and sort of replace that in your portfolio currently.","start":1054.06,"end":1061.8401,"sentiment":"neutral","sentiment_score":-0.030907232600909013},{"text":"Okay?","start":1062.3,"end":1062.8,"sentiment":"neutral","sentiment_score":0.03927158564329147}],"sentiment":"neutral","sentiment_score":0.023673571984876286,"num_words":66,"start":1042.515,"end":1062.8},{"sentences":[{"text":"You have some Global x Physical Gold.","start":1064.045,"end":1066.205,"sentiment":"neutral","sentiment_score":0.13164167744772776},{"text":"Physical Gold has done really well.","start":1066.205,"end":1068.225,"sentiment":"positive","sentiment_score":0.3667111247777939},{"text":"You're a bit overweight in your portfolio at the moment.","start":1068.285,"end":1070.605,"sentiment":"neutral","sentiment_score":-0.22140584886074066},{"text":"You're holding a bit over 10%.","start":1070.605,"end":1072.205,"sentiment":"neutral","sentiment_score":-0.16049198930462202},{"text":"We only really wanna hold 7%.","start":1072.205,"end":1074.385,"sentiment":"neutral","sentiment_score":-0.1532744454840819}],"sentiment":"neutral","sentiment_score":-0.02785424590110779,"num_words":35,"start":1064.045,"end":1074.385},{"sentences":[{"text":"So whilst we are removing some of the investors that haven't been performing and new portfolio, the other important thing to do is to rebalance the investments that we wanna keep in there.","start":1074.925,"end":1085.1599,"sentiment":"neutral","sentiment_score":-0.09601661404876997},{"text":"Essentially, when you are recommended if originally you recommended 10% in every investment and say some investments went up to 12%, others went down to 9%, it's important to reweight them and sell some of the investments that have gone up and buy into the ones that have gone down a little bit.","start":1085.2999,"end":1102.295,"sentiment":"neutral","sentiment_score":-0.058287062816198845},{"text":"That helps to rebalance your portfolio and reweight your risk profiling.","start":1102.295,"end":1106.475,"sentiment":"neutral","sentiment_score":0.1016682775860483},{"text":"You guys are very much in the middle and don't like to take on a lot of risks.","start":1107.25,"end":1111.09,"sentiment":"neutral","sentiment_score":-0.2552545666694641},{"text":"So, essentially, if we don't rebalance the portfolio and we just let it outweight, some of the investments have performed better than others, but it means that you could have more risk in your portfolio than what you're comfortable taking or less than you're comfortable taking, and that also affects your returns as well.","start":1111.09,"end":1127.335,"sentiment":"neutral","sentiment_score":-0.20927456186877358}],"sentiment":"neutral","sentiment_score":-0.12446639100819848,"num_words":169,"start":1074.925,"end":1127.335},{"sentences":[{"text":"So rebalancing your portfolio every so often is just as important, and that's part of what we wanted to do here as well for you.","start":1127.335,"end":1134.535,"sentiment":"neutral","sentiment_score":0.32914332270622254},{"text":"Okay?","start":1134.535,"end":1135.035,"sentiment":"neutral","sentiment_score":0.0989597961306572},{"text":"Yeah.","start":1136.92,"end":1137.4,"sentiment":"neutral","sentiment_score":0.053271565586328506},{"text":"So with the physical sure.","start":1137.4,"end":1139.5801,"sentiment":"neutral","sentiment_score":0.050183499604463576},{"text":"Absolutely.","start":1139.88,"end":1140.38,"sentiment":"neutral","sentiment_score":0.06240632385015488}],"sentiment":"neutral","sentiment_score":0.2634587348862128,"num_words":33,"start":1127.335,"end":1140.38},{"sentences":[{"text":"Yes.","start":1145.72,"end":1146.22,"sentiment":"neutral","sentiment_score":0.028246400877833366},{"text":"Because it's always good to it's always good to buy low.","start":1148.835,"end":1151.715,"sentiment":"neutral","sentiment_score":0.09357155859470367},{"text":"So when investments are still quality investments, they might see having a dip because of global markets or something happening globally.","start":1151.715,"end":1158.5349,"sentiment":"neutral","sentiment_score":-0.02050596032114256},{"text":"Taking advantage of the downtime is really important.","start":1159.155,"end":1161.815,"sentiment":"neutral","sentiment_score":0.03390397224575281},{"text":"They always say buy into the dip.","start":1161.875,"end":1163.58,"sentiment":"neutral","sentiment_score":0.01773169423852648}],"sentiment":"neutral","sentiment_score":0.021297125339818496,"num_words":48,"start":1145.72,"end":1163.58},{"sentences":[{"text":"So buy low, sell high.","start":1163.58,"end":1165.0399,"sentiment":"neutral","sentiment_score":0.0665133312344551},{"text":"In all honesty, that can be some of the hardest things for people to do because when we see things going down, we don't see performance as well.","start":1165.4199,"end":1172.64,"sentiment":"neutral","sentiment_score":-0.2611464203468391},{"text":"It can make us really nervous.","start":1172.94,"end":1174.64,"sentiment":"negative","sentiment_score":-0.42240222295125324},{"text":"So what we like to do and what we've done with Bannalong is assess whether that investment is down because of just the downtime or whether the investment is actually worth getting rid of.","start":1174.94,"end":1185.525,"sentiment":"neutral","sentiment_score":-0.159605558249442},{"text":"We did that.","start":1185.905,"end":1186.8049,"sentiment":"neutral","sentiment_score":-0.06016999234755834}],"sentiment":"neutral","sentiment_score":-0.1989611237996111,"num_words":76,"start":1163.58,"end":1186.8049},{"sentences":[{"text":"It is not worth keeping the Bannalong, but other investments have just seen a bit of a downtime, but they are still worth keeping.","start":1186.865,"end":1193.82,"sentiment":"neutral","sentiment_score":-0.10948519424224894},{"text":"And one of those is, like, the battery and lithium tech you can see there.","start":1193.82,"end":1196.86,"sentiment":"neutral","sentiment_score":-0.03805846596757571},{"text":"That has had its ups and downs.","start":1196.86,"end":1198.64,"sentiment":"neutral","sentiment_score":-0.10948660756860461},{"text":"You're overweighting that at the moment, but this year, it did have a little bit of a downtime as well.","start":1198.7799,"end":1203.84,"sentiment":"neutral","sentiment_score":-0.08272929424419999},{"text":"We are still keeping that in the portfolio even though it went through that and down because it is still a quality investment.","start":1203.98,"end":1209.485,"sentiment":"neutral","sentiment_score":0.17626893941474997}],"sentiment":"neutral","sentiment_score":-0.017587957108456096,"num_words":89,"start":1186.865,"end":1209.485},{"sentences":[{"text":"It is still a good place to be invested.","start":1209.485,"end":1212.065,"sentiment":"positive","sentiment_score":0.4807216425736745},{"text":"And when some investments are down, buying in at that time means that you buy into the discounted you buy into the discounted purchase price.","start":1212.6849,"end":1221.245,"sentiment":"neutral","sentiment_score":0.07988538987934589},{"text":"As an example, I like to use if you had invested a $100 in CBA one day, and you bought you know, that share was worth a $100, you would buy one share.","start":1221.245,"end":1231.2899,"sentiment":"neutral","sentiment_score":0.07870432282939102},{"text":"If that investment went down to $50 the next week and you put a $100 in, you'll get two units of that same investment.","start":1231.35,"end":1238.09,"sentiment":"neutral","sentiment_score":0.0760044086103638},{"text":"If it then went up to a $120, you would buy not even a whole of the following week.","start":1238.475,"end":1243.6749,"sentiment":"neutral","sentiment_score":0.06880752310941093}],"sentiment":"neutral","sentiment_score":0.10956655390221964,"num_words":110,"start":1209.485,"end":1243.6749},{"sentences":[{"text":"So the idea is to keep investing through the ups and downs.","start":1243.6749,"end":1246.895,"sentiment":"neutral","sentiment_score":0.201824722190698},{"text":"And when the market is down, when the investments aren't performing as well, you buy into the discounted unit pricing, which means you end up buying more units over time, and it helps to eliminate market risk as well as much as possible because you're taking advantage of the downtime.","start":1247.195,"end":1262.69,"sentiment":"neutral","sentiment_score":0.23217302568256856},{"text":"You're just investing in over time, and that can provide greater returns when you think about it.","start":1262.99,"end":1268.085,"sentiment":"positive","sentiment_score":0.5617446583860061},{"text":"That can actually help your portfolio grow over the, you know, next five, ten, twenty years.","start":1268.1649,"end":1273.865,"sentiment":"positive","sentiment_score":0.5670422203838825},{"text":"You end up buying more units.","start":1274.085,"end":1275.445,"sentiment":"positive","sentiment_score":0.4480757713317871}],"sentiment":"positive","sentiment_score":0.34991423066447275,"num_words":101,"start":1243.6749,"end":1275.445},{"sentences":[{"text":"You take advantage of the downtime, and you see a lot more growth as the market recovers as well.","start":1275.445,"end":1280.1649,"sentiment":"neutral","sentiment_score":0.3097689571349244},{"text":"So does that make sense?","start":1280.1649,"end":1281.89,"sentiment":"neutral","sentiment_score":0.043989621475338934},{"text":"Yeah.","start":1282.27,"end":1282.77,"sentiment":"neutral","sentiment_score":0.01860965415835381},{"text":"Yeah.","start":1286.51,"end":1286.8301,"sentiment":"neutral","sentiment_score":0.023267149925231937},{"text":"Correct.","start":1286.8301,"end":1287.3301,"sentiment":"neutral","sentiment_score":0.07608600705862045}],"sentiment":"neutral","sentiment_score":0.2305007816326839,"num_words":27,"start":1275.445,"end":1287.3301},{"sentences":[{"text":"Absolutely.","start":1287.4701,"end":1287.9701,"sentiment":"neutral","sentiment_score":0.13166610896587372},{"text":"Absolutely.","start":1288.43,"end":1288.93,"sentiment":"neutral","sentiment_score":0.22098250687122345},{"text":"It's also good to sort of look at where these investments have come from.","start":1289.39,"end":1292.8301,"sentiment":"neutral","sentiment_score":0.20809505613786833},{"text":"So the other thing I like to look at is what kind of downtimes the investments have been through.","start":1292.8301,"end":1297.4349,"sentiment":"neutral","sentiment_score":-0.027246389538049698},{"text":"Most of these investments have been through, downtimes like the GFC and COVID.","start":1297.4349,"end":1301.835,"sentiment":"neutral","sentiment_score":-0.06333453150895926}],"sentiment":"neutral","sentiment_score":0.04010310606099665,"num_words":48,"start":1287.4701,"end":1301.835},{"sentences":[{"text":"They've gone through that.","start":1301.835,"end":1302.875,"sentiment":"neutral","sentiment_score":-0.03002266027033329},{"text":"They've come back and they've stayed.","start":1302.875,"end":1304.575,"sentiment":"neutral","sentiment_score":0.06150070329507192},{"text":"People have continued to invest into them.","start":1305.0349,"end":1307.115,"sentiment":"neutral","sentiment_score":0.2682080034698759},{"text":"So they are good quality investments.","start":1307.115,"end":1307.147,"sentiment":"positive","sentiment_score":0.40548427402973175},{"text":"They've been around for a really long time, and they can withstand that market volatility, which is important as well.","start":1307.147,"end":1314.8,"sentiment":"neutral","sentiment_score":0.09923109468072652}],"sentiment":"neutral","sentiment_score":0.1521836544365384,"num_words":43,"start":1301.835,"end":1314.8},{"sentences":[{"text":"I wouldn't wanna invest you in anything which has only been around for one or two years where it doesn't have that history of or it doesn't have that history or longevity of investment time horizon, and it doesn't show that it's been through the ups and downs the market can provide to you.","start":1314.9401,"end":1331.475,"sentiment":"neutral","sentiment_score":-0.16920363185582338},{"text":"So that's why these sorts of investments are good quality and worth investing in, essentially.","start":1331.475,"end":1335.655,"sentiment":"positive","sentiment_score":0.4100636680920919},{"text":"Yeah.","start":1338.1499,"end":1338.6299,"sentiment":"neutral","sentiment_score":0.21712106466293335},{"text":"All good.","start":1338.6299,"end":1339.11,"sentiment":"positive","sentiment_score":0.40276286005973816},{"text":"Does that answer your question?","start":1339.11,"end":1340.3899,"sentiment":"neutral","sentiment_score":0.08064505010843277}],"sentiment":"neutral","sentiment_score":-0.020261935889720917,"num_words":77,"start":1314.9401,"end":1340.3899},{"sentences":[{"text":"If it doesn't, please tell me.","start":1340.3899,"end":1342.09,"sentiment":"neutral","sentiment_score":-0.041369794557491936},{"text":"Yeah.","start":1343.11,"end":1343.61,"sentiment":"neutral","sentiment_score":0.18874627351760864},{"text":"Excellent.","start":1343.75,"end":1344.25,"sentiment":"positive","sentiment_score":0.5764738917350769},{"text":"Excellent.","start":1344.3899,"end":1344.8899,"sentiment":"positive","sentiment_score":0.597083568572998},{"text":"That's okay.","start":1345.5099,"end":1346.23,"sentiment":"positive","sentiment_score":0.5005664080381393}],"sentiment":"neutral","sentiment_score":0.19229252568700098,"num_words":11,"start":1340.3899,"end":1346.23},{"sentences":[{"text":"It's all good.","start":1346.23,"end":1347.1299,"sentiment":"positive","sentiment_score":0.5443791151046753},{"text":"So we're just gonna sell a little bit of your physical gold off.","start":1347.5099,"end":1350.3899,"sentiment":"neutral","sentiment_score":0.15629803561247313},{"text":"We are gonna cement that, cement the growth you've had there, and redistribute that across your portfolio.","start":1350.3899,"end":1356.385,"sentiment":"neutral","sentiment_score":0.1640418224474963},{"text":"One of the things I like to sort of point out is that physical gold is a growth investment.","start":1357.005,"end":1361.505,"sentiment":"neutral","sentiment_score":0.17877560775530965},{"text":"It does see growth, but there's no income production that comes from that.","start":1361.5651,"end":1364.8451,"sentiment":"neutral","sentiment_score":0.13022489903064874}],"sentiment":"neutral","sentiment_score":0.17759050807127585,"num_words":65,"start":1346.23,"end":1364.8451},{"sentences":[{"text":"So in order to take advantage of the growth that you get from physical gold, you do have to sell some of the growth and distribute the redistribute the funds throughout the portfolio to help with the compounding effect as well.","start":1364.8451,"end":1376.4601,"sentiment":"neutral","sentiment_score":0.18111277371644974},{"text":"Okay?","start":1376.4601,"end":1376.9601,"sentiment":"neutral","sentiment_score":0.026474077254533768},{"text":"Absolutely.","start":1379.3401,"end":1379.8401,"sentiment":"neutral","sentiment_score":0.0048363530077040195},{"text":"Mhmm.","start":1383.725,"end":1384.225,"sentiment":"neutral","sentiment_score":0.004178011789917946},{"text":"That's correct.","start":1387.805,"end":1388.625,"sentiment":"neutral","sentiment_score":0.011779625434428453}],"sentiment":"neutral","sentiment_score":0.16271024815859678,"num_words":46,"start":1364.8451,"end":1388.625},{"sentences":[{"text":"Yeah.","start":1388.685,"end":1389.185,"sentiment":"neutral","sentiment_score":0.029892608523368835},{"text":"Yep.","start":1389.245,"end":1389.745,"sentiment":"neutral","sentiment_score":0.03493967279791832},{"text":"Yep.","start":1392.045,"end":1392.545,"sentiment":"neutral","sentiment_score":0.03041025809943676},{"text":"Yes.","start":1395.245,"end":1395.745,"sentiment":"neutral","sentiment_score":0.026876160874962807},{"text":"That's that's exactly right.","start":1396.4601,"end":1398.54,"sentiment":"neutral","sentiment_score":0.023254050640389323}],"sentiment":"neutral","sentiment_score":0.026891862857155502,"num_words":8,"start":1388.685,"end":1398.54},{"sentences":[{"text":"Yes.","start":1398.54,"end":1398.9401,"sentiment":"neutral","sentiment_score":0.040351152420043945},{"text":"So what we wanna look at and what we look at is exchange traded funds or ETFs and managed funds that pay dividends.","start":1398.9401,"end":1405.84,"sentiment":"neutral","sentiment_score":0.034312864765524864},{"text":"Those dividends are paid into your cash account, and then they are back into your portfolio.","start":1406.38,"end":1411.715,"sentiment":"neutral","sentiment_score":0.06444171979092062},{"text":"And that helps with compounding.","start":1411.855,"end":1413.395,"sentiment":"neutral","sentiment_score":0.09028315842151642},{"text":"Yeah.","start":1413.855,"end":1414.355,"sentiment":"neutral","sentiment_score":0.04456499218940735}],"sentiment":"neutral","sentiment_score":0.051230333543018154,"num_words":46,"start":1398.54,"end":1414.355},{"sentences":[{"text":"Yeah.","start":1415.935,"end":1416.435,"sentiment":"neutral","sentiment_score":0.046565890312194824},{"text":"Yeah.","start":1419.935,"end":1420.435,"sentiment":"neutral","sentiment_score":0.13890895247459412},{"text":"Absolutely.","start":1420.735,"end":1421.235,"sentiment":"neutral","sentiment_score":0.1638369262218475},{"text":"The next one under there is your core composite bond.","start":1422.51,"end":1424.99,"sentiment":"neutral","sentiment_score":0.07983571514487267},{"text":"So because we are removing the bank hybrids from the portfolio, we're gonna reinvest and keep some defensive assets.","start":1424.99,"end":1430.85,"sentiment":"neutral","sentiment_score":0.07854041065040387}],"sentiment":"neutral","sentiment_score":0.0824980225879699,"num_words":32,"start":1415.935,"end":1430.85},{"sentences":[{"text":"Your core composite bonds provide that.","start":1430.99,"end":1432.99,"sentiment":"neutral","sentiment_score":0.12189788247148196},{"text":"We wanna hold 30% because that's sort of, you know, 30% defensive, 70% growth within that balance growth asset allocation there.","start":1432.99,"end":1441.385,"sentiment":"neutral","sentiment_score":0.11348407538164229},{"text":"So core composite bonds, think of them like term deposits.","start":1441.385,"end":1445.2251,"sentiment":"neutral","sentiment_score":0.07818110883235932},{"text":"You're putting your money into the bond.","start":1445.2251,"end":1447.3251,"sentiment":"neutral","sentiment_score":0.08906629628368787},{"text":"It is paying income payments out every, you know, month, quarter, every biannually depending on the bonds within the fund there, and that money is being distributed and reinvested back into your portfolio.","start":1447.625,"end":1459.3301,"sentiment":"neutral","sentiment_score":0.1925218403339386}],"sentiment":"neutral","sentiment_score":0.14120842559964625,"num_words":77,"start":1430.99,"end":1459.3301},{"sentences":[{"text":"This gives you access and exposure to government as well as corporate bonds.","start":1460.43,"end":1464.1101,"sentiment":"positive","sentiment_score":0.3679078542269193},{"text":"It also does provide you some international exposure to bank notes and things like that.","start":1464.1101,"end":1468.485,"sentiment":"neutral","sentiment_score":0.28366394340991974},{"text":"So it is very much defensive in nature, is expected to get a lower rate of return, but we want this for cash producing.","start":1468.485,"end":1475.0651,"sentiment":"neutral","sentiment_score":0.31324175745248795},{"text":"We want income to be produced out of this investment so we can assist with the compounding and provide growth that way for you.","start":1475.125,"end":1481.8451,"sentiment":"positive","sentiment_score":0.518307376652956},{"text":"Okay?","start":1481.8451,"end":1482.3451,"sentiment":"neutral","sentiment_score":0.1329159140586853}],"sentiment":"positive","sentiment_score":0.3782838492037414,"num_words":77,"start":1460.43,"end":1482.3451},{"sentences":[{"text":"Yep.","start":1483.83,"end":1484.31,"sentiment":"neutral","sentiment_score":0.18961212038993835},{"text":"Beautiful.","start":1484.31,"end":1484.81,"sentiment":"positive","sentiment_score":0.4554872810840606},{"text":"Underneath that, you've got the S and P 500.","start":1485.67,"end":1488.07,"sentiment":"neutral","sentiment_score":0.07510828889078563},{"text":"So this is giving you exposure to the top 500 companies on The US market.","start":1488.07,"end":1492.65,"sentiment":"neutral","sentiment_score":0.12447073856989542},{"text":"Fun fact, the S and P 500 can basically encompass anywhere from 500 to 520 different companies, and you are tracking the top 500 also companies on The US market there.","start":1493.67,"end":1505.5349,"sentiment":"neutral","sentiment_score":0.1537418697149523}],"sentiment":"neutral","sentiment_score":0.13954619370531618,"num_words":57,"start":1483.83,"end":1505.5349},{"sentences":[{"text":"One of the things I do like about these sorts of investments are they are they're always tracking the top 500 companies.","start":1506.235,"end":1512.76,"sentiment":"neutral","sentiment_score":0.25249037417498504},{"text":"Essentially, it follows the S and P 500 index, and the maker of the indices actually meets every quarter, and they reassess which companies are eligible to be within that indices.","start":1512.8201,"end":1523.8,"sentiment":"neutral","sentiment_score":0.2006740685432188},{"text":"If at any point a company no no longer meets the criteria to be in the indices, they are removed out of there, and then all the investments that track the indices follow suit.","start":1524.535,"end":1534.935,"sentiment":"neutral","sentiment_score":-0.026132321724777714},{"text":"They remove those investments and replace them with anything that has been put back into the s P 500.","start":1534.935,"end":1540.62,"sentiment":"neutral","sentiment_score":0.036872594176154384},{"text":"So you're always tracking that S and P 500, the top 500 companies in The US, and it is a more of a passive investment, which is great.","start":1540.76,"end":1549.26,"sentiment":"neutral","sentiment_score":0.29557493169392857}],"sentiment":"neutral","sentiment_score":0.14823778205092497,"num_words":134,"start":1506.235,"end":1549.26},{"sentences":[{"text":"At the moment, it has done really well as much as there's been a lot of up and down within The US.","start":1549.5599,"end":1554.38,"sentiment":"neutral","sentiment_score":-0.05875882184640928},{"text":"These sorts of investments have done really well still.","start":1554.705,"end":1557.445,"sentiment":"neutral","sentiment_score":0.23726785679658255},{"text":"You've got about 29% in your portfolio currently.","start":1557.825,"end":1561.125,"sentiment":"neutral","sentiment_score":0.1753333890810609},{"text":"We only wanna hold about 25% currently, so we are just gonna rebalance it back a little bit, sell some of the investment, and rewrite you back to 25% there.","start":1561.1849,"end":1571.6599,"sentiment":"neutral","sentiment_score":-0.027307852730154993},{"text":"Okay?","start":1571.6599,"end":1572.1599,"sentiment":"neutral","sentiment_score":0.06408587843179703}],"sentiment":"neutral","sentiment_score":0.021289057710341047,"num_words":70,"start":1549.5599,"end":1572.1599},{"sentences":[{"text":"And then the last two investments are the BetaShares Raffi Aussie two hundred and the BetaShares Australia two hundred.","start":1573.98,"end":1579.9,"sentiment":"neutral","sentiment_score":0.06210964374048145},{"text":"This is giving you exposure to essentially, between the two, the top 200 companies within the Australian market.","start":1579.9,"end":1585.865,"sentiment":"neutral","sentiment_score":0.10590798573361503},{"text":"The Raffy also gives you some exposure to big cap stocks as well.","start":1585.865,"end":1589.325,"sentiment":"neutral","sentiment_score":0.12152607681659552},{"text":"Essentially, between the two, we wanna hold 12% of each investment.","start":1589.865,"end":1593.6449,"sentiment":"neutral","sentiment_score":0.0835481770336628},{"text":"You currently do have the Raffy, so we're just going to reweight that and sell a small portion and buy into the a 200 there.","start":1594.0901,"end":1602.1101,"sentiment":"neutral","sentiment_score":0.08394975662231445}],"sentiment":"neutral","sentiment_score":0.08934930041648967,"num_words":86,"start":1573.98,"end":1602.1101},{"sentences":[{"text":"A lot of people look at these.","start":1602.4901,"end":1603.8501,"sentiment":"neutral","sentiment_score":0.148502311536244},{"text":"They do invest in different companies.","start":1603.8501,"end":1605.87,"sentiment":"neutral","sentiment_score":0.12499379490812619},{"text":"You're not doubling up by having both of these investments.","start":1605.93,"end":1607.5034,"sentiment":"neutral","sentiment_score":0.18872935175895691},{"text":"It's actually giving you actually giving you greater exposure and diversification and providing a lot more exposure into Australian equities, which is what we wanna see as well.","start":1607.5034,"end":1616.915,"sentiment":"positive","sentiment_score":0.35063428218875614},{"text":"So you'll hold about 24% of Australian equities in the portfolio as well.","start":1616.915,"end":1622.615,"sentiment":"neutral","sentiment_score":0.26294919504569125}],"sentiment":"neutral","sentiment_score":0.2642636235104874,"num_words":64,"start":1602.4901,"end":1622.615},{"sentences":[{"text":"And these two investments are quite passive.","start":1622.91,"end":1624.91,"sentiment":"positive","sentiment_score":0.4018343303884779},{"text":"They are low cost, but they do give you really good exposure.","start":1624.91,"end":1627.7101,"sentiment":"positive","sentiment_score":0.6304753373066584},{"text":"And the Australian market as a whole still has provided really good returns.","start":1627.7101,"end":1632.2101,"sentiment":"positive","sentiment_score":0.7750046849250793},{"text":"Essentially, by removing Van Alung, keeping the Raffy, and then also including the a 200 in this investment, you're actually providing yourself with greater diversification, which helps to mitigate long term market risk sorry, long term market risk and also helps to provide really good returns and a good exposure to a good class of good quality companies on the Australian market as well.","start":1633.0701,"end":1656.05,"sentiment":"positive","sentiment_score":0.47819587937556207},{"text":"Does that make sense?","start":1656.27,"end":1657.2301,"sentiment":"neutral","sentiment_score":0.07831963524222374}],"sentiment":"positive","sentiment_score":0.5137142008543014,"num_words":100,"start":1622.91,"end":1657.2301},{"sentences":[{"text":"Do you have any questions in relation to any of that?","start":1657.2301,"end":1659.9701,"sentiment":"neutral","sentiment_score":0.02515446360815655},{"text":"Yeah.","start":1662.11,"end":1662.43,"sentiment":"neutral","sentiment_score":0.2606319785118103},{"text":"Beautiful.","start":1662.43,"end":1662.93,"sentiment":"positive","sentiment_score":0.46853968501091},{"text":"So that's essentially changes to your portfolio.","start":1663.0701,"end":1665.375,"sentiment":"neutral","sentiment_score":0.21482554929597036},{"text":"It's just utilizing a lot of what we had, replacing the things we needed to, and making sure to rebalance for you as well.","start":1665.835,"end":1672.4149,"sentiment":"neutral","sentiment_score":0.27835641118387383}],"sentiment":"neutral","sentiment_score":0.20886826083402743,"num_words":44,"start":1657.2301,"end":1672.4149},{"sentences":[{"text":"Just making those simple changes there essentially means that we are expected to save on investment fees, save about $1,303 there.","start":1673.115,"end":1682.1901,"sentiment":"neutral","sentiment_score":0.326739448876608},{"text":"And to make those changes, as I mentioned, the CDT costs are only expected to be $689 as well.","start":1682.1901,"end":1688.43,"sentiment":"neutral","sentiment_score":0.2888629005143517},{"text":"So this has provided greater past performance.","start":1688.43,"end":1691.01,"sentiment":"positive","sentiment_score":0.5283687966210502},{"text":"It's a lower cost portfolio for you, and it's also had greater past performance, which we can if we get the same market conditions, provide a greater future performance there as well.","start":1691.0701,"end":1702.825,"sentiment":"positive","sentiment_score":0.5633929278701544},{"text":"I do wanna make sure we review these investments with you regularly to make sure they are working.","start":1703.125,"end":1707.5249,"sentiment":"neutral","sentiment_score":0.09934872047354777}],"sentiment":"positive","sentiment_score":0.369745935803068,"num_words":97,"start":1673.115,"end":1707.5249},{"sentences":[{"text":"And if anything else needs to be moved out the portfolio, we make sure that we do that for you as well.","start":1707.5249,"end":1712.64,"sentiment":"neutral","sentiment_score":0.20395969226956367},{"text":"Okay.","start":1712.7,"end":1713.2,"sentiment":"neutral","sentiment_score":0.07046506553888321},{"text":"Absolutely.","start":1715.34,"end":1715.84,"sentiment":"neutral","sentiment_score":0.3221060037612915},{"text":"Yeah.","start":1719.58,"end":1720.08,"sentiment":"neutral","sentiment_score":0.12928272783756256},{"text":"Mhmm.","start":1726.155,"end":1726.655,"sentiment":"neutral","sentiment_score":-0.025659611448645592}],"sentiment":"neutral","sentiment_score":0.19166566983151895,"num_words":26,"start":1707.5249,"end":1726.655},{"sentences":[{"text":"Yes.","start":1737.275,"end":1737.57,"sentiment":"neutral","sentiment_score":-0.036385610699653625},{"text":"Yes.","start":1738.5299,"end":1739.0299,"sentiment":"neutral","sentiment_score":0.0342828631401062},{"text":"Mhmm.","start":1742.21,"end":1742.71,"sentiment":"neutral","sentiment_score":0.04171440005302429},{"text":"Yep.","start":1744.61,"end":1745.11,"sentiment":"neutral","sentiment_score":0.03177483752369881},{"text":"Yes.","start":1746.0499,"end":1746.5499,"sentiment":"neutral","sentiment_score":-0.008205436170101166}],"sentiment":"neutral","sentiment_score":0.012636210769414902,"num_words":5,"start":1737.275,"end":1746.5499},{"sentences":[{"text":"Mhmm.","start":1748.37,"end":1748.87,"sentiment":"neutral","sentiment_score":0.03515072911977768},{"text":"Yeah.","start":1759.265,"end":1759.765,"sentiment":"neutral","sentiment_score":-0.031964898109436035},{"text":"Yeah.","start":1760.385,"end":1760.885,"sentiment":"neutral","sentiment_score":-0.0066657233983278275},{"text":"She didn't.","start":1766.08,"end":1766.82,"sentiment":"neutral","sentiment_score":-0.13126054406166077},{"text":"But in all honesty, it's very hard to kinda go back and assess because we'd have to go back and look at the whole year, how the returns have gone, look at your funds going in.","start":1767.44,"end":1776.58,"sentiment":"neutral","sentiment_score":-0.19645318099194103}],"sentiment":"neutral","sentiment_score":-0.17898330478588256,"num_words":41,"start":1748.37,"end":1776.58},{"sentences":[{"text":"It's kinda hard to sort of assume what you would have made without the Benelon going down.","start":1776.96,"end":1781.215,"sentiment":"neutral","sentiment_score":-0.2658895245369743},{"text":"It definitely would have been a higher return than what you received with Benelon having taken a bit of a dip there.","start":1781.215,"end":1786.995,"sentiment":"neutral","sentiment_score":-0.1089659563519738},{"text":"But when it kinda comes to other people making a 10%, this year has been very volatile, and some investments have performed well, some haven't performed well.","start":1787.2949,"end":1796.15,"sentiment":"neutral","sentiment_score":-0.2540244741572274},{"text":"Majority of super funds out there are only within your sort of age within your range, have only performed and provided around about a six to 8% return in all honesty.","start":1796.6901,"end":1807.03,"sentiment":"neutral","sentiment_score":-0.0758135306739038},{"text":"So without knowing when someone else does have got a 10% return, it's about understanding what that return is, whether it is a gross or net return, when their contributions are going in, how much their contributions are, what their balance is, what they're invested in, their risk profile.","start":1807.17,"end":1823.1799,"sentiment":"neutral","sentiment_score":0.009774220931552807}],"sentiment":"neutral","sentiment_score":-0.1071733998928908,"num_words":146,"start":1776.96,"end":1823.1799},{"sentences":[{"text":"So there's a lot more to sorta consider there.","start":1823.1799,"end":1825.44,"sentiment":"neutral","sentiment_score":-0.04305764577454991},{"text":"I definitely know you would have made a much greater return than what your portfolio did, but I'm not able to kinda go back and assume what you would have got if Bennelong hadn't been in there just because it's not accurate enough for you.","start":1826.0599,"end":1839.985,"sentiment":"neutral","sentiment_score":0.0024963048597176868},{"text":"But I can safely tell you it would have been much greater than that, and that's why I wanna make sure we definitely touch base again in about six months, around about March so we can assess your goals, but also check with how this is performing and see what you're sort of tracking for moving forward to make sure things work a little bit harder for you both.","start":1840.285,"end":1857.36,"sentiment":"neutral","sentiment_score":0.3164438461695892},{"text":"Is that okay?","start":1857.36,"end":1858.0801,"sentiment":"neutral","sentiment_score":0.13084782163302103},{"text":"I'm so sorry I couldn't give you the exact answer for that one.","start":1858.0801,"end":1861.7001,"sentiment":"neutral","sentiment_score":-0.051448313232797846}],"sentiment":"neutral","sentiment_score":0.1531162279517316,"num_words":139,"start":1823.1799,"end":1861.7001},{"sentences":[{"text":"But there are a lot a lot more things to consider there.","start":1862.705,"end":1865.425,"sentiment":"neutral","sentiment_score":-0.10265911929309368},{"text":"And one of the things I do sort of like to note is that when you're looking at the industry funds, essentially, they're when they're reporting on their websites and things like that or when they're telling their clients what they've made, they're normally not giving you a standard, you know, what your net return is for your super fund.","start":1865.425,"end":1881.0,"sentiment":"neutral","sentiment_score":-0.05465252913224201},{"text":"They're basically saying, hey.","start":1881.0,"end":1882.2,"sentiment":"neutral","sentiment_score":-0.07644759118556976},{"text":"This is what our fund has done.","start":1882.2,"end":1884.38,"sentiment":"neutral","sentiment_score":-0.09422683183635984},{"text":"This is the the four phase figure of what we're reporting, essentially.","start":1884.84,"end":1888.94,"sentiment":"neutral","sentiment_score":-0.07327871521313985}],"sentiment":"neutral","sentiment_score":-0.06690298894322232,"num_words":95,"start":1862.705,"end":1888.94},{"sentences":[{"text":"So it is a little bit harder.","start":1889.08,"end":1890.76,"sentiment":"neutral","sentiment_score":-0.15967199419225966},{"text":"When it comes to hub twenty four and what we do, we have to be a lot more we're a lot more scrutinized.","start":1890.76,"end":1895.355,"sentiment":"neutral","sentiment_score":-0.0790365866344908},{"text":"So we actually have to provide you with a net return, and it is a return based on your portfolio.","start":1895.815,"end":1900.875,"sentiment":"neutral","sentiment_score":0.12342022396624089},{"text":"So it does they're not really apples to apples, which is a little bit not great, but is this this at least gives you, you know, more clarity around your return and is it before or after fees and what that looks like, which means that when we make these changes, we can actually track those changes and see what you're tracking for and how this should look for you moving forward.","start":1900.9349,"end":1922.605,"sentiment":"neutral","sentiment_score":0.014999357673029104},{"text":"Okay?","start":1922.745,"end":1923.245,"sentiment":"neutral","sentiment_score":0.04604170471429825}],"sentiment":"neutral","sentiment_score":0.005356540524862646,"num_words":123,"start":1889.08,"end":1923.245},{"sentences":[{"text":"Yeah.","start":1924.265,"end":1924.765,"sentiment":"neutral","sentiment_score":0.10378947854042052},{"text":"Excellent.","start":1925.465,"end":1925.965,"sentiment":"positive","sentiment_score":0.7393432855606079},{"text":"That's all good.","start":1926.265,"end":1927.245,"sentiment":"positive","sentiment_score":0.6955066323280334},{"text":"Cath, if you go down to page number 22, this is essentially looking at yours now.","start":1927.7051,"end":1932.525,"sentiment":"neutral","sentiment_score":0.11833640094846487},{"text":"Yeah.","start":1935.54,"end":1936.04,"sentiment":"neutral","sentiment_score":0.06331797689199448}],"sentiment":"neutral","sentiment_score":0.22210695696148006,"num_words":22,"start":1924.265,"end":1936.04},{"sentences":[{"text":"If you're comfortable, Paul, that's everything.","start":1936.1,"end":1938.1,"sentiment":"neutral","sentiment_score":0.20367036014795303},{"text":"Did you have any questions that you wanted me to go through or answer for you?","start":1938.1,"end":1941.46,"sentiment":"neutral","sentiment_score":0.08889543591067195},{"text":"Is there anything that's kinda come up through any of that?","start":1941.46,"end":1943.96,"sentiment":"neutral","sentiment_score":0.02254845303567973},{"text":"The living yep.","start":1948.9451,"end":1949.745,"sentiment":"neutral","sentiment_score":0.006022916330645482},{"text":"I didn't listen to text.","start":1949.745,"end":1950.785,"sentiment":"neutral","sentiment_score":-0.01921023540198803}],"sentiment":"neutral","sentiment_score":0.06864389489836446,"num_words":41,"start":1936.1,"end":1950.785},{"sentences":[{"text":"Yep.","start":1950.785,"end":1951.285,"sentiment":"neutral","sentiment_score":0.006039830856025219},{"text":"I have yeah.","start":1957.905,"end":1959.285,"sentiment":"neutral","sentiment_score":0.005019433796405792},{"text":"I have.","start":1959.3451,"end":1959.8251,"sentiment":"neutral","sentiment_score":0.02578216977417469},{"text":"It does sound really good, but it is very new, therefore, very speculative.","start":1959.8251,"end":1963.685,"sentiment":"neutral","sentiment_score":0.05290585068555979},{"text":"And I was very hesitant about looking at anything like that for your super because we're reducing risk, and you're very conservative and very close to accessing super.","start":1964.9,"end":1974.98,"sentiment":"neutral","sentiment_score":-0.18861673027276993}],"sentiment":"neutral","sentiment_score":-0.09618787057301466,"num_words":47,"start":1950.785,"end":1974.98},{"sentences":[{"text":"It's very volatile, And that kinda worried me a little bit.","start":1974.98,"end":1978.905,"sentiment":"neutral","sentiment_score":-0.17728985236449676},{"text":"Putting you into something like that means you could see more ups and downs, and you're increasing the risk level that you're taking.","start":1978.905,"end":1985.325,"sentiment":"neutral","sentiment_score":-0.16065297146206317},{"text":"And I was with that balanced growth environment and where you are risk wise, it didn't really fit comfortably for me.","start":1986.185,"end":1992.9501,"sentiment":"neutral","sentiment_score":-0.180979766306423},{"text":"So that's why I wouldn't put that in your portfolio currently for you.","start":1992.9501,"end":1996.5701,"sentiment":"neutral","sentiment_score":-0.1565266429231717},{"text":"Yeah.","start":1996.63,"end":1997.13,"sentiment":"neutral","sentiment_score":-0.010894402861595154}],"sentiment":"neutral","sentiment_score":-0.16654380540484967,"num_words":69,"start":1974.98,"end":1997.13},{"sentences":[{"text":"Yeah.","start":1998.63,"end":1999.13,"sentiment":"neutral","sentiment_score":0.00043445080518722534},{"text":"Yeah.","start":2002.4701,"end":2002.9701,"sentiment":"neutral","sentiment_score":0.010180003941059113},{"text":"It is pretty cool, though.","start":2006.015,"end":2007.295,"sentiment":"neutral","sentiment_score":0.291912317276001},{"text":"What they're doing is insane.","start":2007.295,"end":2008.755,"sentiment":"neutral","sentiment_score":0.18988946974277496},{"text":"Yeah.","start":2012.5751,"end":2013.0751,"sentiment":"neutral","sentiment_score":0.04807699471712112}],"sentiment":"neutral","sentiment_score":0.18982310650440362,"num_words":13,"start":1998.63,"end":2013.0751},{"sentences":[{"text":"Yeah.","start":2013.8551,"end":2014.3551,"sentiment":"neutral","sentiment_score":0.04242905229330063},{"text":"Yes.","start":2014.4951,"end":2014.9951,"sentiment":"neutral","sentiment_score":0.04642406105995178},{"text":"Yeah.","start":2016.9751,"end":2017.4751,"sentiment":"neutral","sentiment_score":0.05053337290883064},{"text":"Yeah.","start":2030.2699,"end":2030.75,"sentiment":"neutral","sentiment_score":0.1506318300962448},{"text":"It's it's pretty good.","start":2030.75,"end":2032.755,"sentiment":"neutral","sentiment_score":0.17506870906800032}],"sentiment":"neutral","sentiment_score":0.12378664407879114,"num_words":8,"start":2013.8551,"end":2032.755},{"sentences":[{"text":"Oh, absolutely.","start":2033.775,"end":2035.795,"sentiment":"positive","sentiment_score":0.45573222637176514},{"text":"Yeah.","start":2036.8151,"end":2037.3151,"sentiment":"positive","sentiment_score":0.34949791431427},{"text":"Sure.","start":2038.8151,"end":2039.3151,"sentiment":"neutral","sentiment_score":0.08860087394714355},{"text":"Mhmm.","start":2044.015,"end":2044.44,"sentiment":"neutral","sentiment_score":0.01678982377052307},{"text":"Yeah.","start":2055.24,"end":2055.74,"sentiment":"neutral","sentiment_score":0.08148844540119171}],"sentiment":"neutral","sentiment_score":0.24130691836277643,"num_words":6,"start":2033.775,"end":2055.74},{"sentences":[{"text":"Yeah.","start":2055.88,"end":2056.38,"sentiment":"neutral","sentiment_score":0.09493948519229888},{"text":"Mhmm.","start":2060.935,"end":2061.435,"sentiment":"neutral","sentiment_score":0.1304379105567932},{"text":"Can you write me?","start":2066.855,"end":2067.915,"sentiment":"neutral","sentiment_score":0.0016778074204921722},{"text":"Yeah.","start":2068.135,"end":2068.635,"sentiment":"neutral","sentiment_score":0.012843295000493526},{"text":"Yeah.","start":2068.8398,"end":2069.3398,"sentiment":"neutral","sentiment_score":0.025600537657737732}],"sentiment":"neutral","sentiment_score":0.033816557261161506,"num_words":8,"start":2055.88,"end":2069.3398},{"sentences":[{"text":"Yeah.","start":2070.44,"end":2070.8398,"sentiment":"neutral","sentiment_score":0.12039820849895476},{"text":"You could absolutely look at doing that.","start":2070.8398,"end":2072.44,"sentiment":"neutral","sentiment_score":0.20604285384927476},{"text":"We can provide advice around the area if you'd like to.","start":2072.44,"end":2075.0798,"sentiment":"neutral","sentiment_score":0.2156973034143448},{"text":"It'll just be about looking at the risk level, looking at, you know, what it is, how we invest in that, whether it be in your own name.","start":2075.0798,"end":2081.5,"sentiment":"neutral","sentiment_score":0.09436871390789747},{"text":"As long as you're accountable, things like that, I'd be more than happy to look at those sorts of investments as part of that, you know, personal investing space and see what you're comfortable with.","start":2081.8,"end":2091.155,"sentiment":"neutral","sentiment_score":0.17556276832308088}],"sentiment":"neutral","sentiment_score":0.15515109028939794,"num_words":82,"start":2070.44,"end":2091.155},{"sentences":[{"text":"Yeah.","start":2091.155,"end":2091.475,"sentiment":"neutral","sentiment_score":0.10629208385944366},{"text":"Absolutely.","start":2091.475,"end":2091.975,"sentiment":"neutral","sentiment_score":0.20927414298057556},{"text":"Yeah.","start":2096.67,"end":2097.17,"sentiment":"neutral","sentiment_score":0.17344903945922852},{"text":"Yeah.","start":2099.15,"end":2099.65,"sentiment":"neutral","sentiment_score":0.21133238077163696},{"text":"Yeah.","start":2104.91,"end":2105.41,"sentiment":"neutral","sentiment_score":0.108247309923172}],"sentiment":"neutral","sentiment_score":0.16171899139881135,"num_words":5,"start":2091.155,"end":2105.41},{"sentences":[{"text":"Yeah.","start":2111.885,"end":2112.385,"sentiment":"neutral","sentiment_score":0.1413654088973999},{"text":"Yes.","start":2116.205,"end":2116.705,"sentiment":"neutral","sentiment_score":0.06619489938020706},{"text":"Yeah.","start":2117.405,"end":2117.905,"sentiment":"neutral","sentiment_score":0.036162249743938446},{"text":"Yeah.","start":2122.045,"end":2122.295,"sentiment":"neutral","sentiment_score":0.09904886782169342},{"text":"Yeah.","start":2122.295,"end":2122.795,"sentiment":"neutral","sentiment_score":0.028317034244537354}],"sentiment":"neutral","sentiment_score":0.07421769201755524,"num_words":5,"start":2111.885,"end":2122.795},{"sentences":[{"text":"Yeah.","start":2125.28,"end":2125.6,"sentiment":"neutral","sentiment_score":0.08271701633930206},{"text":"You're fine, Paul.","start":2125.6,"end":2126.74,"sentiment":"neutral","sentiment_score":0.21092143654823303},{"text":"That's absolutely fine.","start":2126.8,"end":2127.76,"sentiment":"positive","sentiment_score":0.5133429070313772},{"text":"Thank you so much for your time.","start":2127.76,"end":2129.2,"sentiment":"positive","sentiment_score":0.7104191694940839},{"text":"I really appreciate it.","start":2129.2,"end":2130.48,"sentiment":"positive","sentiment_score":0.5874963328242302}],"sentiment":"positive","sentiment_score":0.5321349758240912,"num_words":18,"start":2125.28,"end":2130.48},{"sentences":[{"text":"You have a good have a good day.","start":2130.48,"end":2132.32,"sentiment":"positive","sentiment_score":0.5581918358802795},{"text":"No.","start":2132.32,"end":2132.6401,"sentiment":"neutral","sentiment_score":0.05554633587598801},{"text":"Not at all.","start":2132.6401,"end":2133.52,"sentiment":"neutral","sentiment_score":0.05019264047344526},{"text":"Not a problem.","start":2133.52,"end":2134.34,"sentiment":"neutral","sentiment_score":0.11618831008672714},{"text":"Okay, Cass.","start":2136.8801,"end":2137.9202,"sentiment":"neutral","sentiment_score":0.08679000288248062}],"sentiment":"neutral","sentiment_score":0.30551787531551194,"num_words":17,"start":2130.48,"end":2137.9202},{"sentences":[{"text":"So this is excellent.","start":2137.9202,"end":2139.595,"sentiment":"positive","sentiment_score":0.3610999099910259},{"text":"So this is for yourself.","start":2139.595,"end":2140.895,"sentiment":"neutral","sentiment_score":0.1790989190340042},{"text":"Yeah.","start":2140.955,"end":2141.2751,"sentiment":"neutral","sentiment_score":0.13999471068382263},{"text":"You're right.","start":2141.2751,"end":2141.935,"sentiment":"neutral","sentiment_score":0.1282350718975067},{"text":"You've gotta you've gotta get a witness as well.","start":2149.7551,"end":2152.49,"sentiment":"neutral","sentiment_score":-0.029737044953637652}],"sentiment":"neutral","sentiment_score":0.11755836595382009,"num_words":21,"start":2137.9202,"end":2152.49},{"sentences":[{"text":"So sign it when you can get it witnessed.","start":2152.49,"end":2154.83,"sentiment":"neutral","sentiment_score":0.005945039499137137},{"text":"Yep.","start":2156.57,"end":2157.07,"sentiment":"neutral","sentiment_score":0.03377263993024826},{"text":"Yep.","start":2157.69,"end":2158.09,"sentiment":"neutral","sentiment_score":0.007929624989628792},{"text":"And No.","start":2158.09,"end":2164.2952,"sentiment":"neutral","sentiment_score":-0.03238715836778283},{"text":"That's fine.","start":2164.2952,"end":2164.855,"sentiment":"neutral","sentiment_score":-0.03198857046663761}],"sentiment":"neutral","sentiment_score":-0.0022362558171153068,"num_words":15,"start":2152.49,"end":2164.855},{"sentences":[{"text":"So you can it's gotta be two witnesses.","start":2164.855,"end":2166.875,"sentiment":"neutral","sentiment_score":-0.04297774098813534},{"text":"One of them can't be the beneficiary.","start":2166.935,"end":2168.635,"sentiment":"neutral","sentiment_score":-0.06124442123941013},{"text":"So Paul can't witness the documents.","start":2168.695,"end":2170.455,"sentiment":"neutral","sentiment_score":-0.091389000415802},{"text":"So your daughter and somebody else, as long as she's over 18, that's absolutely fine.","start":2170.455,"end":2175.0151,"sentiment":"neutral","sentiment_score":-0.022753450771172842},{"text":"Yeah.","start":2175.0151,"end":2175.5151,"sentiment":"neutral","sentiment_score":0.08849738538265228}],"sentiment":"neutral","sentiment_score":-0.042531655547586644,"num_words":37,"start":2164.855,"end":2175.5151},{"sentences":[{"text":"Fantastic.","start":2177.25,"end":2177.75,"sentiment":"positive","sentiment_score":0.4598999619483948},{"text":"Excellent.","start":2181.8901,"end":2182.3901,"sentiment":"neutral","sentiment_score":0.33091819286346436},{"text":"Thank you.","start":2182.53,"end":2183.25,"sentiment":"neutral","sentiment_score":0.294349730014801},{"text":"No.","start":2183.25,"end":2183.49,"sentiment":"neutral","sentiment_score":0.009767094627022743},{"text":"That's okay.","start":2183.49,"end":2184.23,"sentiment":"neutral","sentiment_score":0.09586327150464058}],"sentiment":"neutral","sentiment_score":0.22585875035396644,"num_words":7,"start":2177.25,"end":2184.23},{"sentences":[{"text":"You're fine.","start":2184.53,"end":2185.43,"sentiment":"neutral","sentiment_score":0.12701895087957382},{"text":"So with this one here, as we kinda mentioned, we are looking to retain your NGS super there, but we only wanna hold 10,000 in it.","start":2185.8901,"end":2192.825,"sentiment":"neutral","sentiment_score":0.09474175237119198},{"text":"So we are gonna roll some funds out of the NGS super.","start":2192.825,"end":2196.045,"sentiment":"neutral","sentiment_score":0.12763340150316557},{"text":"Just retaining 10,000, have everything else invested in hub twenty four working harder for you as well.","start":2196.1848,"end":2201.805,"sentiment":"neutral","sentiment_score":0.18002877735039768},{"text":"We want your super contributions to continue to go into NGS Super, and we'll make sure that each time we speak to you, we update the the balance within an NGS Super.","start":2202.105,"end":2211.8,"sentiment":"neutral","sentiment_score":0.2131058620288968}],"sentiment":"neutral","sentiment_score":0.15875057394752343,"num_words":89,"start":2184.53,"end":2211.8},{"sentences":[{"text":"Essentially, every year, we wanna complete rollovers, only leaving that $10,000 balance there.","start":2211.8,"end":2218.28,"sentiment":"neutral","sentiment_score":0.11773421285817257},{"text":"But what I'd probably like to do is essentially look at it whenever we do a catch up and get an updated balance from NGS.","start":2218.28,"end":2224.215,"sentiment":"neutral","sentiment_score":0.12478939414024354},{"text":"I'll find out how much is in there, and we could probably even do regular rollovers once every six months.","start":2224.215,"end":2229.415,"sentiment":"neutral","sentiment_score":0.18913092128932477},{"text":"So we're rolling over small amounts of money on a regular basis, which is dollar cost averaging in the hub 24, which can actually provide you with a much greater return and assist your Subaru by working harder there as well.","start":2229.415,"end":2241.9,"sentiment":"positive","sentiment_score":0.4273052171963017},{"text":"Okay?","start":2241.9,"end":2242.4,"sentiment":"neutral","sentiment_score":0.12412914633750916}],"sentiment":"neutral","sentiment_score":0.26076541097834705,"num_words":100,"start":2211.8,"end":2242.4},{"sentences":[{"text":"X.","start":2243.42,"end":2243.92,"sentiment":"neutral","sentiment_score":0.003494430333375931},{"text":"Sure.","start":2244.46,"end":2244.96,"sentiment":"neutral","sentiment_score":-0.025428514927625656},{"text":"We we can't.","start":2247.18,"end":2248.6199,"sentiment":"neutral","sentiment_score":-0.09782443940639496},{"text":"We have they have a minimum of 10 a minimum of six, and we leave 10 because your insurance premiums also come out.","start":2248.6199,"end":2255.155,"sentiment":"neutral","sentiment_score":-0.007196326092209505},{"text":"So that's why we don't leave less.","start":2255.155,"end":2257.2551,"sentiment":"neutral","sentiment_score":-0.061772141605615616}],"sentiment":"neutral","sentiment_score":-0.026095082690673215,"num_words":35,"start":2243.42,"end":2257.2551},{"sentences":[{"text":"Yeah.","start":2257.395,"end":2257.895,"sentiment":"neutral","sentiment_score":0.031990379095077515},{"text":"Excellent.","start":2259.795,"end":2260.295,"sentiment":"positive","sentiment_score":0.41838008165359497},{"text":"Now, Kath, if you go down to page number 27 for me, this is essentially your fee comparison table showing your current and recommended.","start":2260.355,"end":2267.81,"sentiment":"neutral","sentiment_score":0.1036299845824639},{"text":"Beautiful.","start":2274.27,"end":2274.77,"sentiment":"positive","sentiment_score":0.40268343687057495},{"text":"So the current table shows your balance between your NGS super and your hub 24 there.","start":2274.99,"end":2280.03,"sentiment":"neutral","sentiment_score":0.1397111965343356}],"sentiment":"neutral","sentiment_score":0.12966401563134305,"num_words":43,"start":2257.395,"end":2280.03},{"sentences":[{"text":"You've got your investment fees, admin fees, any other fees applicable, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums there as well.","start":2280.03,"end":2290.7551,"sentiment":"neutral","sentiment_score":0.1224070773009331},{"text":"Between the two funds, you're in that balanced growth environment.","start":2290.8152,"end":2293.715,"sentiment":"neutral","sentiment_score":0.10569310486316681},{"text":"And when we look at how the two funds have performed over the past five years amalgamated, it's averaged 7.47%.","start":2293.7751,"end":2301.5,"sentiment":"neutral","sentiment_score":0.04162350622937083},{"text":"We wanna make sure sure things work a lot harder for you.","start":2301.72,"end":2304.94,"sentiment":"neutral","sentiment_score":-0.06192328703279296},{"text":"So in the recommended column there, we're gonna retain 10,000 in NGS Super, roll the rest into hub 24.","start":2305.08,"end":2312.415,"sentiment":"neutral","sentiment_score":0.022562232015556412}],"sentiment":"neutral","sentiment_score":0.058365473189674645,"num_words":92,"start":2280.03,"end":2312.415},{"sentences":[{"text":"In order to make the investment switch for yourself, your portfolio is gonna be different to Paul's because I was able to update your portfolio, update a lot more of your investments, but your CGT consequence is going to be a lot smaller as well.","start":2312.635,"end":2326.6,"sentiment":"neutral","sentiment_score":-0.06252357049120796},{"text":"In order to make the changes that we're gonna make, your super fund is only expected to have capital gains of 382,000.","start":2326.6,"end":2334.38,"sentiment":"neutral","sentiment_score":-0.04288728806105527},{"text":"Sorry.","start":2334.44,"end":2334.76,"sentiment":"neutral","sentiment_score":-0.05402165278792381},{"text":"$382.","start":2334.76,"end":2335.96,"sentiment":"neutral","sentiment_score":-0.02570485696196556},{"text":"My apologies.","start":2335.96,"end":2336.62,"sentiment":"neutral","sentiment_score":-0.20531342178583145}],"sentiment":"neutral","sentiment_score":-0.05982301919393136,"num_words":71,"start":2312.635,"end":2336.62},{"sentences":[{"text":"Yeah.","start":2338.7751,"end":2339.2751,"sentiment":"neutral","sentiment_score":-0.04724084585905075},{"text":"Mhmm.","start":2341.735,"end":2342.235,"sentiment":"neutral","sentiment_score":-0.07773151248693466},{"text":"For the insurances?","start":2346.455,"end":2347.3552,"sentiment":"neutral","sentiment_score":-0.03819431426624457},{"text":"Yeah.","start":2347.655,"end":2348.155,"sentiment":"neutral","sentiment_score":-0.05911283940076828},{"text":"I'm sorry.","start":2350.63,"end":2351.19,"sentiment":"neutral","sentiment_score":-0.16437678039073944}],"sentiment":"neutral","sentiment_score":-0.07842771266587079,"num_words":8,"start":2338.7751,"end":2351.19},{"sentences":[{"text":"What was that?","start":2351.19,"end":2352.17,"sentiment":"neutral","sentiment_score":-0.11255268255869548},{"text":"Oh, the death benefit?","start":2357.91,"end":2359.03,"sentiment":"neutral","sentiment_score":-0.0507522476837039},{"text":"Yeah.","start":2359.03,"end":2359.27,"sentiment":"neutral","sentiment_score":-0.0004916321486234665},{"text":"You're right.","start":2359.27,"end":2359.75,"sentiment":"neutral","sentiment_score":0.03423118777573109},{"text":"I've got that here.","start":2359.75,"end":2360.55,"sentiment":"neutral","sentiment_score":0.029496505856513977}],"sentiment":"neutral","sentiment_score":-0.025336447970143387,"num_words":14,"start":2351.19,"end":2360.55},{"sentences":[{"text":"Not a problem at all.","start":2360.55,"end":2361.51,"sentiment":"neutral","sentiment_score":0.13320141583681105},{"text":"Let me just scroll back up for you.","start":2361.51,"end":2367.6648,"sentiment":"neutral","sentiment_score":0.06428826996125281},{"text":"Sorry.","start":2367.6648,"end":2367.9849,"sentiment":"neutral","sentiment_score":-0.08012965321540833},{"text":"My computer's having it a minute.","start":2367.9849,"end":2369.4248,"sentiment":"neutral","sentiment_score":-0.22809123496214548},{"text":"It's just loading.","start":2369.4248,"end":2370.4048,"sentiment":"neutral","sentiment_score":-0.25964754819869995}],"sentiment":"neutral","sentiment_score":-0.04553506385696971,"num_words":23,"start":2360.55,"end":2370.4048},{"sentences":[{"text":"It froze on me.","start":2370.785,"end":2371.825,"sentiment":"negative","sentiment_score":-0.4363548010587692},{"text":"Love when technology works for us.","start":2371.825,"end":2373.9248,"sentiment":"positive","sentiment_score":0.3865169286727905},{"text":"Essentially, with your life benefit currently in NGS, you're covered for 222,000 just for life benefit.","start":2375.92,"end":2382.74,"sentiment":"neutral","sentiment_score":0.015824555594008416},{"text":"But if you had to pass away, your super balance is paid out on top of that.","start":2382.8801,"end":2386.58,"sentiment":"neutral","sentiment_score":-0.11604379468104419},{"text":"And the total permanent disability is 80,000.","start":2386.8801,"end":2390.695,"sentiment":"neutral","sentiment_score":-0.1264004803129605}],"sentiment":"neutral","sentiment_score":-0.04061345228925348,"num_words":50,"start":2370.785,"end":2390.695},{"sentences":[{"text":"So, yeah, the the TPD can be paid out as a lump sum or an income stream.","start":2395.235,"end":2400.135,"sentiment":"neutral","sentiment_score":0.03548121627639322},{"text":"And, again, if you claim on TPD, so permanent incapacity, we can also claim against your super so you can have your super balance released as well.","start":2400.3098,"end":2409.21,"sentiment":"neutral","sentiment_score":-0.07249126914474699},{"text":"Yeah.","start":2415.395,"end":2415.895,"sentiment":"neutral","sentiment_score":-0.06038045510649681},{"text":"Yeah.","start":2419.7148,"end":2420.195,"sentiment":"neutral","sentiment_score":-0.049863360822200775},{"text":"They do tend to expire.","start":2420.195,"end":2421.895,"sentiment":"neutral","sentiment_score":-0.10986674129962921}],"sentiment":"neutral","sentiment_score":-0.03948355122816329,"num_words":51,"start":2395.235,"end":2421.895},{"sentences":[{"text":"Life cover doesn't expire as quickly as your disability covers, so it tends to be your income protection, your TPD expire a lot faster.","start":2422.035,"end":2429.255,"sentiment":"neutral","sentiment_score":-0.12741027865558863},{"text":"Your life insurance, you can hold a lot longer if you want to.","start":2430.1702,"end":2432.8901,"sentiment":"neutral","sentiment_score":-0.13634178730157706},{"text":"But, realistically, when we look at insurances, we only really wanna hold them as long as we need to.","start":2432.8901,"end":2438.57,"sentiment":"neutral","sentiment_score":-0.1428898423910141},{"text":"I mean, if you guys end up being completely debt free, is it at a point where you need those insurances or not?","start":2438.57,"end":2445.195,"sentiment":"neutral","sentiment_score":-0.16801956506526988},{"text":"Consolidating at some point when you get to retirement, we tend to not need any disability income protection, even life cover, and we tend to sort of cancel that point.","start":2445.835,"end":2454.7952,"sentiment":"neutral","sentiment_score":-0.20536795283357304}],"sentiment":"neutral","sentiment_score":-0.1611989496292871,"num_words":109,"start":2422.035,"end":2454.7952},{"sentences":[{"text":"Because if we're, you know, in retirement, we've stopped working, so we're already drawing an income stream out.","start":2454.7952,"end":2460.36,"sentiment":"neutral","sentiment_score":-0.14984747974408996},{"text":"So it sort of doesn't help to pay for insurances that you're not gonna be able to claim on with TPD and income for income protection.","start":2460.4402,"end":2469.26,"sentiment":"neutral","sentiment_score":-0.14019724841301257},{"text":"Sorry.","start":2469.32,"end":2469.82,"sentiment":"neutral","sentiment_score":-0.09354131668806076},{"text":"And then often, we just don't need the life cover either because if we pass away, our super benefit pays out anyway.","start":2470.2002,"end":2475.82,"sentiment":"neutral","sentiment_score":-0.10254955156282945},{"text":"So, realistically, most people tend to cancel them at retirement age.","start":2476.335,"end":2480.035,"sentiment":"neutral","sentiment_score":-0.11636286364360289}],"sentiment":"neutral","sentiment_score":-0.12784623134976777,"num_words":78,"start":2454.7952,"end":2480.035},{"sentences":[{"text":"And then if that happens, we can consolidate everything.","start":2480.655,"end":2483.4749,"sentiment":"neutral","sentiment_score":-0.053494136366579265},{"text":"But if you guys sell the commercial property and end up debt free and look at investing, we could also look then.","start":2483.855,"end":2488.815,"sentiment":"neutral","sentiment_score":-0.0028942616825753994},{"text":"Do you still need those covers, or is it worth consolidating them if you've got investments and not needing any and not having any debt?","start":2488.815,"end":2495.69,"sentiment":"neutral","sentiment_score":-0.015285465605556965},{"text":"So there's definitely times when they don't need them anymore.","start":2495.69,"end":2499.15,"sentiment":"neutral","sentiment_score":-0.047771387919783595},{"text":"Yeah.","start":2499.45,"end":2499.95,"sentiment":"neutral","sentiment_score":-0.010044245049357414}],"sentiment":"neutral","sentiment_score":-0.021119638040328202,"num_words":67,"start":2480.655,"end":2499.95},{"sentences":[{"text":"Yep.","start":2502.49,"end":2502.99,"sentiment":"neutral","sentiment_score":-0.009861374273896216},{"text":"Mhmm.","start":2507.665,"end":2508.165,"sentiment":"neutral","sentiment_score":-0.008936243131756783},{"text":"Yeah.","start":2509.665,"end":2510.165,"sentiment":"neutral","sentiment_score":-0.0055049508810043335},{"text":"Yeah.","start":2510.945,"end":2511.445,"sentiment":"neutral","sentiment_score":-0.0074204327538609505},{"text":"Yeah.","start":2511.825,"end":2512.325,"sentiment":"neutral","sentiment_score":-0.013797872699797152}],"sentiment":"neutral","sentiment_score":-0.009104174748063087,"num_words":5,"start":2502.49,"end":2512.325},{"sentences":[{"text":"It does have a bit of a long term effect there, which is not great.","start":2512.945,"end":2516.405,"sentiment":"neutral","sentiment_score":-0.13903442124525706},{"text":"But yeah.","start":2517.5999,"end":2518.16,"sentiment":"neutral","sentiment_score":-0.05209957808256149},{"text":"I mean, for now, it's good because if anything happens right now, you could have that coverage to provide that protection.","start":2518.16,"end":2524.0999,"sentiment":"neutral","sentiment_score":0.07260782954593499},{"text":"But we'll just review it when we come back in March and have a look at, you know, what your next sort of goals are, what we've got.","start":2524.64,"end":2529.44,"sentiment":"neutral","sentiment_score":0.050690556277654},{"text":"We can always assess them again.","start":2529.44,"end":2531.165,"sentiment":"neutral","sentiment_score":0.07921514411767323}],"sentiment":"neutral","sentiment_score":0.017078824806958437,"num_words":72,"start":2512.945,"end":2531.165},{"sentences":[{"text":"And at any point, if you decide you don't feel like they're working or you don't need them anymore, we can always come back and update the advice for you as well.","start":2531.165,"end":2538.525,"sentiment":"neutral","sentiment_score":0.0161908088484779},{"text":"Okay?","start":2538.525,"end":2539.025,"sentiment":"neutral","sentiment_score":0.07267739623785019},{"text":"Excellent.","start":2540.525,"end":2541.025,"sentiment":"positive","sentiment_score":0.5448153018951416},{"text":"Fantastic.","start":2541.325,"end":2541.825,"sentiment":"positive","sentiment_score":0.5172613263130188},{"text":"So with that newer portfolio, we estimate CGT to be $382 there.","start":2543.01,"end":2548.31,"sentiment":"neutral","sentiment_score":0.14686304765443006}],"sentiment":"neutral","sentiment_score":0.07266418041383967,"num_words":47,"start":2531.165,"end":2548.31},{"sentences":[{"text":"Essentially, by moving some more money into hub twenty four, it does increase the admin fee slightly by $32 for the year.","start":2548.85,"end":2555.655,"sentiment":"neutral","sentiment_score":0.059046068313446914},{"text":"But your newer portfolio is a lot cheaper, again, the same as Paul's.","start":2555.895,"end":2559.575,"sentiment":"neutral","sentiment_score":0.23541387227865365},{"text":"It's saving you quite a good amount of money.","start":2559.575,"end":2561.415,"sentiment":"positive","sentiment_score":0.756764100657569},{"text":"It's expected to save you $356 for the year on investment fees.","start":2561.415,"end":2565.655,"sentiment":"positive","sentiment_score":0.594725621243318},{"text":"So that's good.","start":2565.655,"end":2566.295,"sentiment":"positive","sentiment_score":0.7686248620351156}],"sentiment":"positive","sentiment_score":0.34937038626206124,"num_words":59,"start":2548.85,"end":2566.295},{"sentences":[{"text":"That's reducing fees.","start":2566.295,"end":2567.675,"sentiment":"positive","sentiment_score":0.6327047149340311},{"text":"The ongoing service fee does essentially remain.","start":2568.99,"end":2571.47,"sentiment":"neutral","sentiment_score":0.27416325892720905},{"text":"The contributions will still go into NGS Super, and that'll also have your insurance premiums coming out of for a bit longer there as well.","start":2571.47,"end":2579.87,"sentiment":"neutral","sentiment_score":0.27303818106651306},{"text":"Okay?","start":2579.87,"end":2580.37,"sentiment":"neutral","sentiment_score":0.1207955926656723},{"text":"With your balance growth portfolio with the newer portfolio between the NGS Super and Hub twenty four, it has performed about 8.45%.","start":2581.515,"end":2589.6748,"sentiment":"positive","sentiment_score":0.4195235710252415}],"sentiment":"positive","sentiment_score":0.3447159592961443,"num_words":58,"start":2566.295,"end":2589.6748},{"sentences":[{"text":"So it has performed greater than your current scenario, which if you sort of look over the next five to ten years, can put you in a much greater position there.","start":2589.6748,"end":2597.01,"sentiment":"positive","sentiment_score":0.48610227627138936},{"text":"But we wanna build on that and make sure you're in an even better position than that.","start":2597.41,"end":2601.33,"sentiment":"positive","sentiment_score":0.4093841209131129},{"text":"So we'll come back in March and reassess things and look at what we can do moving forward and what we do with the proceeds of the funds and if Paul gets his redundancy and things like that as well.","start":2601.33,"end":2610.77,"sentiment":"neutral","sentiment_score":0.14483503997325897},{"text":"Okay?","start":2610.77,"end":2611.27,"sentiment":"neutral","sentiment_score":0.05628195032477379},{"text":"Yep.","start":2612.495,"end":2612.995,"sentiment":"neutral","sentiment_score":0.1068096160888672}],"sentiment":"neutral","sentiment_score":0.3109465976142221,"num_words":90,"start":2589.6748,"end":2612.995},{"sentences":[{"text":"Beautiful.","start":2613.135,"end":2613.635,"sentiment":"neutral","sentiment_score":0.31534790992736816},{"text":"If you can go down to page number 28 for me, this is showing you the buyers and sales for your portfolio.","start":2614.495,"end":2620.595,"sentiment":"neutral","sentiment_score":0.06994710049845955},{"text":"It is a little bit bigger.","start":2620.735,"end":2622.195,"sentiment":"neutral","sentiment_score":0.0866262416044871},{"text":"Yep.","start":2624.2551,"end":2624.7551,"sentiment":"neutral","sentiment_score":0.13554909825325012},{"text":"Beautiful.","start":2624.815,"end":2625.315,"sentiment":"neutral","sentiment_score":0.29715850949287415}],"sentiment":"neutral","sentiment_score":0.0905370702666621,"num_words":31,"start":2613.135,"end":2625.315},{"sentences":[{"text":"So with NGS, so for there, you'll see we are gonna roll about 16,505 and 20 out.","start":2626.32,"end":2633.04,"sentiment":"neutral","sentiment_score":0.19342024712001576},{"text":"That leaves about 10,000 sitting in there for you.","start":2633.04,"end":2635.76,"sentiment":"neutral","sentiment_score":0.2510328259732988},{"text":"We don't need to change anything within within NGS.","start":2635.76,"end":2638.48,"sentiment":"neutral","sentiment_score":0.08696094527840614},{"text":"That's all currently okay.","start":2638.48,"end":2639.76,"sentiment":"neutral","sentiment_score":0.2188314087688923},{"text":"There's no point switching the investments within there currently.","start":2639.76,"end":2642.605,"sentiment":"neutral","sentiment_score":-0.02773308836751514}],"sentiment":"neutral","sentiment_score":0.14491283295986554,"num_words":48,"start":2626.32,"end":2642.605},{"sentences":[{"text":"When we kind of I'm oh, sorry.","start":2642.7449,"end":2659.56,"sentiment":"neutral","sentiment_score":-0.04979730078152248},{"text":"Page number 29.","start":2659.56,"end":2660.76,"sentiment":"neutral","sentiment_score":-0.03324465329448382},{"text":"My apologies.","start":2660.76,"end":2661.5,"sentiment":"neutral","sentiment_score":-0.11635366454720497},{"text":"Sorry.","start":2661.56,"end":2662.06,"sentiment":"neutral","sentiment_score":-0.07950219511985779},{"text":"So that's showing you that's okay.","start":2664.775,"end":2666.855,"sentiment":"neutral","sentiment_score":-0.03810077843566736}],"sentiment":"neutral","sentiment_score":-0.05205943474644109,"num_words":19,"start":2642.7449,"end":2666.855},{"sentences":[{"text":"That's showing you essentially all the research, the returns between the two.","start":2666.855,"end":2670.295,"sentiment":"neutral","sentiment_score":0.020929585366199415},{"text":"So the current at the very top shows you the twelve months, three year, five year, ten year performance for NGS super, and then it also shows you have 24.","start":2670.295,"end":2678.91,"sentiment":"neutral","sentiment_score":0.1521560490131378},{"text":"And then the last column is us amalgamating it together.","start":2679.0698,"end":2681.8699,"sentiment":"neutral","sentiment_score":0.11317412555217743},{"text":"So we take all the investments to two funds, and then we calculate the total amalgamated or aggregated portfolio, which gives you that five year rolling average.","start":2681.8699,"end":2691.555,"sentiment":"neutral","sentiment_score":0.11936093784040874},{"text":"And the same thing below, it looks at the recommended portfolio, so what you can get or what has happened performance wise within NGS Super as well as Hub 24, and then we aggregate the two together to get the 8.45, essentially.","start":2691.875,"end":2705.575,"sentiment":"neutral","sentiment_score":0.1173562602627845}],"sentiment":"neutral","sentiment_score":0.11652302481849824,"num_words":121,"start":2666.855,"end":2705.575},{"sentences":[{"text":"It does.","start":2710.0198,"end":2710.76,"sentiment":"neutral","sentiment_score":0.03900970704853535},{"text":"Yeah.","start":2712.5,"end":2713.0,"sentiment":"neutral","sentiment_score":0.015964411199092865},{"text":"For NGS, yeah, that's what they've reported.","start":2716.66,"end":2718.8398,"sentiment":"neutral","sentiment_score":0.037707587970154624},{"text":"Yeah.","start":2718.98,"end":2719.22,"sentiment":"neutral","sentiment_score":0.07460781186819077},{"text":"Yeah.","start":2719.22,"end":2719.46,"sentiment":"neutral","sentiment_score":0.10661141574382782}],"sentiment":"neutral","sentiment_score":0.04492968072493871,"num_words":12,"start":2710.0198,"end":2719.46},{"sentences":[{"text":"Definitely.","start":2719.46,"end":2719.96,"sentiment":"neutral","sentiment_score":0.167167529463768},{"text":"So with yours, it's yeah.","start":2720.5,"end":2722.275,"sentiment":"neutral","sentiment_score":0.0720350630581379},{"text":"Sorry.","start":2722.275,"end":2722.775,"sentiment":"neutral","sentiment_score":-0.041864946484565735},{"text":"Well, the the hub 24 in the current over the past five years has averaged 7.57%.","start":2725.4749,"end":2731.875,"sentiment":"neutral","sentiment_score":0.03540112217888236},{"text":"So NDS hasn't performed as well.","start":2731.875,"end":2734.2148,"sentiment":"neutral","sentiment_score":-0.036044637051721416}],"sentiment":"neutral","sentiment_score":0.028814759683506243,"num_words":29,"start":2719.46,"end":2734.2148},{"sentences":[{"text":"Realistically, if if and I'm just surmising here based on sort of the fact that Bennelong has been down pretty heavily.","start":2734.55,"end":2741.77,"sentiment":"neutral","sentiment_score":-0.10055392483870189},{"text":"But, realistically, you could have got up between eight to 9% return very conservatively if Bennelong had performed well.","start":2742.23,"end":2749.4849,"sentiment":"neutral","sentiment_score":0.2161965283908342},{"text":"Because when you look at Bennelong over the past thirty years, it's performed and had really good, you know, 2030% returns.","start":2749.4849,"end":2756.9448,"sentiment":"neutral","sentiment_score":0.25197274131434305},{"text":"So that in itself, when you amalgamate that with the rest of the portfolio, it could have made a difference of one to 2%.","start":2757.2449,"end":2763.105,"sentiment":"neutral","sentiment_score":0.22349727898836136},{"text":"Conservatively, it could have made a lot more.","start":2763.51,"end":2765.43,"sentiment":"neutral","sentiment_score":0.10582273453474045}],"sentiment":"neutral","sentiment_score":0.14514027696142914,"num_words":93,"start":2734.55,"end":2765.43},{"sentences":[{"text":"So then you could have got a 10% return, but that is just summarizing based on me running the quick math and everything, but I'll never really know exactly what you would have got prior.","start":2765.43,"end":2775.21,"sentiment":"neutral","sentiment_score":0.03980805224605969},{"text":"Yeah.","start":2775.905,"end":2776.385,"sentiment":"neutral","sentiment_score":0.11296619474887848},{"text":"Yeah.","start":2776.385,"end":2776.865,"sentiment":"neutral","sentiment_score":0.13364282250404358},{"text":"But you can definitely see the difference between the two, and the last column is our aggregated to how we work out our returns.","start":2776.865,"end":2783.265,"sentiment":"neutral","sentiment_score":0.11353897877658407},{"text":"We amalgamate the two together.","start":2783.265,"end":2785.045,"sentiment":"neutral","sentiment_score":0.016222788020968437}],"sentiment":"neutral","sentiment_score":0.06736273146375563,"num_words":66,"start":2765.43,"end":2785.045},{"sentences":[{"text":"Okay?","start":2785.185,"end":2785.685,"sentiment":"neutral","sentiment_score":0.015269859693944454},{"text":"Yep.","start":2786.465,"end":2786.965,"sentiment":"neutral","sentiment_score":0.04883527755737305},{"text":"Beautiful.","start":2787.505,"end":2788.005,"sentiment":"positive","sentiment_score":0.7468959093093872},{"text":"Excellent.","start":2788.2249,"end":2788.7249,"sentiment":"positive","sentiment_score":0.7674112319946289},{"text":"Fantastic.","start":2790.02,"end":2790.52,"sentiment":"positive","sentiment_score":0.5301762819290161}],"sentiment":"positive","sentiment_score":0.4217177120968699,"num_words":5,"start":2785.185,"end":2790.52},{"sentences":[{"text":"So 29 is your investment table there.","start":2790.58,"end":2793.96,"sentiment":"neutral","sentiment_score":0.09442561119794846},{"text":"So we're just leaving 10,000 in the NGS super.","start":2794.5,"end":2797.54,"sentiment":"neutral","sentiment_score":0.029230818152427673},{"text":"So 16,505 is rolled out into Hub 24.","start":2797.54,"end":2801.96,"sentiment":"neutral","sentiment_score":0.030850942712277174},{"text":"And then we're also removing your Ben along Australian equities investment, completely removing that to remove the underperformance.","start":2802.225,"end":2808.5652,"sentiment":"neutral","sentiment_score":-0.02557346087673472},{"text":"In your portfolio, I am removing the ClearBridge infrastructure fund because I was able to look at ways to alter your portfolio in other ways to provide as much growth as possible and also to lower the fees as much as possible.","start":2809.665,"end":2822.05,"sentiment":"neutral","sentiment_score":0.045039646859679906}],"sentiment":"neutral","sentiment_score":0.030978655425964723,"num_words":84,"start":2790.58,"end":2822.05},{"sentences":[{"text":"I had to limit how much we could alter poles because any major alterations costed more in CDT consequences.","start":2823.15,"end":2830.895,"sentiment":"neutral","sentiment_score":-0.0358430568717028},{"text":"And, realistically, he's a lot closer to retirement.","start":2831.195,"end":2833.695,"sentiment":"neutral","sentiment_score":0.015119722345843911},{"text":"So it's about making sure that we're not gonna have to wait years to make those funds back because he has seen much greater growth, and his balance is much higher as well.","start":2833.835,"end":2843.2751,"sentiment":"neutral","sentiment_score":0.08555260436101393},{"text":"So I was able to adjust your portfolio in other ways, than I had to do with Paul's for you.","start":2843.2751,"end":2849.41,"sentiment":"neutral","sentiment_score":0.06881731892935931},{"text":"Okay?","start":2849.41,"end":2849.91,"sentiment":"neutral","sentiment_score":0.02608218975365162}],"sentiment":"neutral","sentiment_score":0.045254372968625875,"num_words":81,"start":2823.15,"end":2849.91},{"sentences":[{"text":"So we're removing the ClearBridge infrastructure fund completely as well.","start":2851.25,"end":2854.93,"sentiment":"neutral","sentiment_score":0.0046331556513905525},{"text":"I am in yours moving the battery and lithium tech as well taking that out.","start":2855.25,"end":2858.895,"sentiment":"neutral","sentiment_score":0.0327828910201788},{"text":"You're still gonna have access and exposure to those, but I've found a lower cost way to hold those investments in your portfolio that will work better for you.","start":2858.895,"end":2867.135,"sentiment":"neutral","sentiment_score":0.10193031615224378},{"text":"Okay?","start":2867.135,"end":2867.635,"sentiment":"neutral","sentiment_score":0.0221598818898201},{"text":"The bank hybrids are also coming out because they are being replaced down the track there, but we still wanna hold physical gold.","start":2868.735,"end":2875.96,"sentiment":"neutral","sentiment_score":0.024739269815061405}],"sentiment":"neutral","sentiment_score":0.05237457920343448,"num_words":78,"start":2851.25,"end":2875.96},{"sentences":[{"text":"You've got 11% there at the moment.","start":2875.96,"end":2878.1199,"sentiment":"neutral","sentiment_score":0.030442877539566586},{"text":"We only wanna hold 10%.","start":2878.1199,"end":2879.72,"sentiment":"neutral","sentiment_score":0.012216276302933694},{"text":"So it's about just selling some of those gains and recementing and distributing those gains across your portfolio.","start":2879.72,"end":2885.5798,"sentiment":"neutral","sentiment_score":0.05370899031145705},{"text":"To replace the bank hybrids there, keeping those defensive investments, you're gonna hold some core composite bonds in this portfolio, about 24% in there, and that's gonna give you some income production as well, which is going to be really good.","start":2887.7249,"end":2904.9202,"sentiment":"neutral","sentiment_score":0.17623958836604908},{"text":"You've also got the S and P 500.","start":2906.5,"end":2908.76,"sentiment":"neutral","sentiment_score":0.07394461380317807}],"sentiment":"neutral","sentiment_score":0.11466232130799113,"num_words":79,"start":2875.96,"end":2908.76},{"sentences":[{"text":"We wanna hold 25% of that.","start":2908.9001,"end":2910.9001,"sentiment":"neutral","sentiment_score":0.08323727299769719},{"text":"At the moment, you've got about 29%.","start":2910.9001,"end":2913.08,"sentiment":"neutral","sentiment_score":0.06126264589173453},{"text":"So you have seen some really good growth within this investment.","start":2913.135,"end":2915.695,"sentiment":"positive","sentiment_score":0.6884317316792228},{"text":"So we are just gonna sell some of that back and redistribute that across the portfolio, just rebalancing that investment to 25% there for you.","start":2915.695,"end":2924.495,"sentiment":"positive","sentiment_score":0.5003602111339569},{"text":"Okay?","start":2924.495,"end":2924.995,"sentiment":"neutral","sentiment_score":0.1889318972826004}],"sentiment":"positive","sentiment_score":0.42397896766662596,"num_words":50,"start":2908.9001,"end":2924.995},{"sentences":[{"text":"With yours, the Raffy is removing out of that because it was able I was able to find a lot you know, a different way to sort of hold those investments and also making sure to because your balance is lower than Paul's, reducing costs as much as we possibly can.","start":2926.0298,"end":2940.2898,"sentiment":"neutral","sentiment_score":0.18550645914293973},{"text":"When you sort of look at the investment side of things, your investment fees were much lower to begin with, but they're even lower now, and it's saving about $356.","start":2940.565,"end":2950.0251,"sentiment":"neutral","sentiment_score":0.19650854567686718},{"text":"Whereas Paul still got some of those higher cost investments.","start":2950.165,"end":2952.965,"sentiment":"neutral","sentiment_score":-0.09049412831664086},{"text":"Now we were able to save a lot of money in investment days, but because of his balance, I couldn't remove a lot of additional investments.","start":2952.965,"end":2960.2,"sentiment":"neutral","sentiment_score":-0.016583881412561122},{"text":"So we had to limit the CDT effect for him.","start":2960.2,"end":2962.6,"sentiment":"neutral","sentiment_score":-0.1209768433123827}],"sentiment":"neutral","sentiment_score":0.10086767837463871,"num_words":127,"start":2926.0298,"end":2962.6},{"sentences":[{"text":"So I am removing the Rafi completely from yours.","start":2962.6,"end":2966.22,"sentiment":"neutral","sentiment_score":-0.22435877803299162},{"text":"We're also then gonna increase exposure or add exposure into cybersecurity.","start":2967.765,"end":2972.025,"sentiment":"neutral","sentiment_score":0.08147705854340033},{"text":"So this is giving you a different level of exposure into battery and lithium tech and cybersecurity as well.","start":2972.405,"end":2978.505,"sentiment":"neutral","sentiment_score":0.1322897872642467},{"text":"It's essentially giving you global exposure to cybersecurity, which is a great area to be invested in, and diversification is good as well.","start":2978.885,"end":2986.73,"sentiment":"positive","sentiment_score":0.34486496448516846},{"text":"So 4% there.","start":2986.73,"end":2988.1099,"sentiment":"neutral","sentiment_score":0.1829600383838018}],"sentiment":"neutral","sentiment_score":0.1518661368924838,"num_words":65,"start":2962.6,"end":2988.1099},{"sentences":[{"text":"The iShares Europe investments are giving you exposure to all 16 European countries to helping to provide diversification and lower overall market risk.","start":2988.73,"end":2997.815,"sentiment":"neutral","sentiment_score":0.24017401493113974},{"text":"And then you've also got some Japanese exposure holding 3% in Japan.","start":2998.195,"end":3002.2952,"sentiment":"neutral","sentiment_score":0.14221844697992006},{"text":"Japan is a good place to see growth.","start":3002.675,"end":3004.7751,"sentiment":"positive","sentiment_score":0.35376522317528725},{"text":"They actually did very well looking after their country with stockpiling fuel this year.","start":3004.995,"end":3009.73,"sentiment":"positive","sentiment_score":0.3854886719158718},{"text":"We didn't do as well as them, but they were kind of really well prepared for that.","start":3009.73,"end":3014.0498,"sentiment":"neutral","sentiment_score":0.2739337130504496}],"sentiment":"neutral","sentiment_score":0.2718170273142892,"num_words":74,"start":2988.73,"end":3014.0498},{"sentences":[{"text":"So they are a really good investment opportunity.","start":3014.0498,"end":3016.47,"sentiment":"positive","sentiment_score":0.6570130735635757},{"text":"There has been some really good growth there, and I just wanna keep checking that one moving forward.","start":3016.6099,"end":3021.435,"sentiment":"positive","sentiment_score":0.6110061671998765},{"text":"Holding 3% of that investment will work well for you.","start":3021.435,"end":3024.5752,"sentiment":"positive","sentiment_score":0.48817219734191897},{"text":"And then the other things to look at is the Vanguard or World ex US.","start":3025.7551,"end":3029.435,"sentiment":"neutral","sentiment_score":0.06162510092059771},{"text":"Now we have kind of removed a lot of other things out of their portfolio and replaced it with this.","start":3029.435,"end":3034.53,"sentiment":"neutral","sentiment_score":0.027467941213399173}],"sentiment":"neutral","sentiment_score":0.3184460973183454,"num_words":71,"start":3014.0498,"end":3034.53},{"sentences":[{"text":"So this is a an ETF or exchange traded fund that is giving you access and exposure to the entire globe.","start":3034.53,"end":3041.9102,"sentiment":"neutral","sentiment_score":0.16930542247635977},{"text":"One of the biggest things we can do is diversify to lower our overall risk, and this investment does that.","start":3042.05,"end":3047.885,"sentiment":"neutral","sentiment_score":0.2548425756394863},{"text":"It gives you exposure to every country minus The US.","start":3047.885,"end":3050.785,"sentiment":"neutral","sentiment_score":0.20962906554341315},{"text":"We don't need The US in this investment because we have the S and P 500 above, and we're holding 25% of that investment there.","start":3051.0051,"end":3058.545,"sentiment":"neutral","sentiment_score":0.12800179407000542},{"text":"But this is a low cost way to give you good diversified access to lots of different countries as well as different asset classes and give you a little bit of growth in defensive exposure as well, which is what we wanna see.","start":3058.8801,"end":3070.8,"sentiment":"positive","sentiment_score":0.44000121465949127}],"sentiment":"neutral","sentiment_score":0.2762071690952578,"num_words":119,"start":3034.53,"end":3070.8},{"sentences":[{"text":"And this investment has done really well as well.","start":3070.8,"end":3073.44,"sentiment":"positive","sentiment_score":0.6875373853577508},{"text":"Okay?","start":3073.44,"end":3073.94,"sentiment":"positive","sentiment_score":0.35619938373565674},{"text":"And then you've got your beta shares a 200 to giving you exposure to the top 100 top 200 companies on the ASX holding 20% of this one.","start":3075.1748,"end":3083.595,"sentiment":"neutral","sentiment_score":0.18315454572439194},{"text":"The Vanguard All World ex US does also hold a small component of Australian equities, so we also wanted to encompass that and not hold too much Australian equities.","start":3083.7349,"end":3093.55,"sentiment":"neutral","sentiment_score":0.14109385887096668},{"text":"The 20% here plus a small amount in that Vanguard or World Index as well.","start":3093.55,"end":3098.37,"sentiment":"neutral","sentiment_score":0.25913224518299105}],"sentiment":"neutral","sentiment_score":0.2396471794785523,"num_words":82,"start":3070.8,"end":3098.37},{"sentences":[{"text":"That gives you really good exposure.","start":3098.67,"end":3100.29,"sentiment":"positive","sentiment_score":0.5445699095726013},{"text":"Essentially, as a whole, it is low CGT cost to make the switch.","start":3100.59,"end":3104.945,"sentiment":"positive","sentiment_score":0.3617628996188824},{"text":"It's rebalancing your portfolio with the ones that we need to rebalance and adding some diversified exposure to, you know, help lower market risk, but also provide greater greater performance, hopefully, moving forward within your portfolio.","start":3104.945,"end":3118.76,"sentiment":"positive","sentiment_score":0.4397205288211505},{"text":"And it's cheaper, so it's saving you on investment fees, which is really good.","start":3118.76,"end":3122.76,"sentiment":"positive","sentiment_score":0.5256657323666981},{"text":"I wanted to look at ways to reduce fees as much as possible as well to keep more money working harder for you at the end of the day there.","start":3122.76,"end":3129.24,"sentiment":"neutral","sentiment_score":0.32590634375810623}],"sentiment":"positive","sentiment_score":0.41350289652443895,"num_words":99,"start":3098.67,"end":3129.24},{"sentences":[{"text":"Okay.","start":3129.24,"end":3129.74,"sentiment":"neutral","sentiment_score":0.1758362352848053},{"text":"Beautiful.","start":3131.6648,"end":3132.1648,"sentiment":"positive","sentiment_score":0.5231804847717285},{"text":"With the next page, you've got your cash account there.","start":3132.9448,"end":3135.345,"sentiment":"neutral","sentiment_score":0.17484297454357148},{"text":"You've got about $15 more in cash than we realistically wanted to, so we'll just make sure we invest that money and only hold a minimum of 1.25% cash.","start":3135.345,"end":3145.125,"sentiment":"neutral","sentiment_score":0.12744884938001633},{"text":"Essentially, we didn't have 24.","start":3145.5999,"end":3147.38,"sentiment":"neutral","sentiment_score":0.036849118769168854}],"sentiment":"neutral","sentiment_score":0.13755888459475143,"num_words":46,"start":3129.24,"end":3147.38},{"sentences":[{"text":"We'd have to have a minimum cash balance.","start":3147.44,"end":3149.52,"sentiment":"neutral","sentiment_score":0.06855620443820953},{"text":"It's 1.25%.","start":3149.52,"end":3151.1199,"sentiment":"neutral","sentiment_score":0.09252482652664185},{"text":"We never wanna hold more cash than we realistically need to, and part of rebalancing would just be to invest, sorry, that little bit of extra money there for you as well.","start":3151.1199,"end":3160.5752,"sentiment":"neutral","sentiment_score":0.09363231476163492},{"text":"Okay?","start":3160.5752,"end":3161.0752,"sentiment":"neutral","sentiment_score":0.08270514011383057},{"text":"Excellent.","start":3162.5752,"end":3163.0752,"sentiment":"positive","sentiment_score":0.6980292201042175}],"sentiment":"neutral","sentiment_score":0.10251063002612103,"num_words":44,"start":3147.44,"end":3163.0752},{"sentences":[{"text":"The only other things on there is just making sure that your beneficiaries are done.","start":3163.935,"end":3168.5752,"sentiment":"neutral","sentiment_score":0.24153406023979188},{"text":"Those are being sent out, which is fantastic, but a little bit lower on page 32, I have added the beneficiary side of things, and they're just recommending a binding non lapse denomination a 100% to pull on both those super funds to make sure that everything is sorted.","start":3168.5752,"end":3184.41,"sentiment":"neutral","sentiment_score":0.20935583099418756},{"text":"And then even lower than that, on pages number 34 and down, it's just about making sure that you guys have a will, have attorneys, and things like that.","start":3185.205,"end":3193.845,"sentiment":"neutral","sentiment_score":0.12451121236743598},{"text":"So I like to put that in there because it gives you a little bit of reading material, but it also kind of helps to generate that conversation.","start":3193.845,"end":3200.185,"sentiment":"neutral","sentiment_score":0.2907585810337748},{"text":"It's not an easy one to have, but it's really good to have that conversation and talk to you your kids about, your family about, and think about what your wishes are and what you want to happen.","start":3201.08,"end":3210.86,"sentiment":"positive","sentiment_score":0.3729344602478178}],"sentiment":"neutral","sentiment_score":0.25034604741717287,"num_words":159,"start":3163.935,"end":3210.86},{"sentences":[{"text":"Yeah.","start":3211.24,"end":3211.74,"sentiment":"neutral","sentiment_score":0.1363728940486908},{"text":"Excellent.","start":3213.575,"end":3214.075,"sentiment":"positive","sentiment_score":0.6245898008346558},{"text":"All good.","start":3214.135,"end":3214.6948,"sentiment":"positive","sentiment_score":0.6235285699367523},{"text":"Now that is basically all the recommendations.","start":3214.6948,"end":3216.875,"sentiment":"neutral","sentiment_score":0.22806254029273987},{"text":"We've got in there the ongoing service agreement.","start":3217.7349,"end":3219.9749,"sentiment":"neutral","sentiment_score":0.15358786843717098}],"sentiment":"neutral","sentiment_score":0.254376871805442,"num_words":19,"start":3211.24,"end":3219.9749},{"sentences":[{"text":"You guys are both on 1.10%.","start":3219.9749,"end":3222.4548,"sentiment":"neutral","sentiment_score":0.1311988222102324},{"text":"Nothing changes there at all, and that all in disclosed there.","start":3222.4548,"end":3226.36,"sentiment":"neutral","sentiment_score":0.07948152043602684},{"text":"How we would run through this advice for you is we'll essentially just start by completing an investment switch, then we'll do some partial rollovers for you from your NGS super, and then we'll make sure that we the beneficiaries are all being sent out.","start":3226.74,"end":3241.885,"sentiment":"neutral","sentiment_score":0.18221744034025406},{"text":"So we'll make sure they are also applied there for you as well.","start":3241.885,"end":3244.925,"sentiment":"neutral","sentiment_score":0.20444007447132698},{"text":"Okay?","start":3244.925,"end":3245.425,"sentiment":"neutral","sentiment_score":0.09859372675418854}],"sentiment":"neutral","sentiment_score":0.16602091010856002,"num_words":76,"start":3219.9749,"end":3245.425},{"sentences":[{"text":"Excellent.","start":3247.965,"end":3248.465,"sentiment":"positive","sentiment_score":0.548814594745636},{"text":"Do you have any questions at all?","start":3248.685,"end":3250.285,"sentiment":"neutral","sentiment_score":0.18304383754730225},{"text":"Is there anything yeah.","start":3250.285,"end":3253.94,"sentiment":"neutral","sentiment_score":0.054636772722005844},{"text":"Yeah.","start":3257.2,"end":3257.68,"sentiment":"neutral","sentiment_score":0.18877089023590088},{"text":"No.","start":3257.68,"end":3257.92,"sentiment":"neutral","sentiment_score":0.11681479960680008}],"sentiment":"neutral","sentiment_score":0.16816101702196257,"num_words":14,"start":3247.965,"end":3257.92},{"sentences":[{"text":"That's excellent.","start":3257.92,"end":3258.6401,"sentiment":"positive","sentiment_score":0.5007945895195007},{"text":"That's that's part of what I love about my job is the educational value because none of us knew this at school, and my kids still aren't taught any of this, which is kind of hard and sad.","start":3258.6401,"end":3267.555,"sentiment":"neutral","sentiment_score":0.14224602536935554},{"text":"And they're 19 and 20 now, so it's a little bit, you know, having to teach them how to how to function and the things that I've learned.","start":3267.555,"end":3275.555,"sentiment":"neutral","sentiment_score":0.0489818684956325},{"text":"And I had to go to uni to learn a lot of this.","start":3275.555,"end":3277.715,"sentiment":"neutral","sentiment_score":0.0553608496601765},{"text":"So I do love that you get to ask questions, and I really enjoy, you know, being able to provide you with the information and, you know, help help you understand why I'm doing what I'm doing for you.","start":3277.715,"end":3289.9,"sentiment":"positive","sentiment_score":0.45671481429002225}],"sentiment":"neutral","sentiment_score":0.2192499938653782,"num_words":120,"start":3257.92,"end":3289.9},{"sentences":[{"text":"So, yeah, it's good.","start":3289.9,"end":3291.2,"sentiment":"neutral","sentiment_score":-0.005806762725114822},{"text":"Yeah.","start":3295.105,"end":3295.4248,"sentiment":"neutral","sentiment_score":-0.0051560006104409695},{"text":"Absolutely.","start":3295.4248,"end":3295.9248,"sentiment":"neutral","sentiment_score":-0.01617361605167389},{"text":"I'm pretty sure it I think it needs Paul to sign it as well for it to come back, but let me check.","start":3296.625,"end":3303.605,"sentiment":"neutral","sentiment_score":-0.005393739561955242},{"text":"Yes.","start":3320.205,"end":3320.525,"sentiment":"neutral","sentiment_score":0.014303289353847504}],"sentiment":"neutral","sentiment_score":-0.00514364627112324,"num_words":30,"start":3289.9,"end":3320.525},{"sentences":[{"text":"So Paul will have his own.","start":3320.525,"end":3321.9648,"sentiment":"neutral","sentiment_score":0.027488926736017067},{"text":"There should be two in the email, there'll be two invites, one for yourself and one for Paul.","start":3321.9648,"end":3326.685,"sentiment":"neutral","sentiment_score":0.06101041535536448},{"text":"So once you've signed it, it'll then Paul just needs to sign his part as well, and then it will come back to us all fully signed.","start":3326.685,"end":3334.04,"sentiment":"neutral","sentiment_score":0.05561329455425342},{"text":"And there'll be two separate emails.","start":3337.22,"end":3340.36,"sentiment":"neutral","sentiment_score":-0.001443062106166811},{"text":"Yes.","start":3340.74,"end":3341.24,"sentiment":"neutral","sentiment_score":0.010957669466733932}],"sentiment":"neutral","sentiment_score":0.047706539424262735,"num_words":58,"start":3320.525,"end":3341.24},{"sentences":[{"text":"Yep.","start":3344.1802,"end":3344.6802,"sentiment":"neutral","sentiment_score":0.22812196612358093},{"text":"Beautiful.","start":3344.82,"end":3345.32,"sentiment":"positive","sentiment_score":0.5246859192848206},{"text":"Fantastic.","start":3345.78,"end":3346.28,"sentiment":"positive","sentiment_score":0.5007445812225342},{"text":"Yeah.","start":3353.2148,"end":3353.7148,"sentiment":"neutral","sentiment_score":0.06114472448825836},{"text":"Yeah.","start":3353.775,"end":3354.275,"sentiment":"neutral","sentiment_score":0.013983417302370071}],"sentiment":"neutral","sentiment_score":0.2657361216843128,"num_words":5,"start":3344.1802,"end":3354.275},{"sentences":[{"text":"Yeah.","start":3364.9302,"end":3365.25,"sentiment":"neutral","sentiment_score":0.01772192120552063},{"text":"So it definitely has been.","start":3365.25,"end":3366.6902,"sentiment":"neutral","sentiment_score":-0.0034586720168590544},{"text":"It's just that we haven't been able to remove that from anyone's portfolio without having the conversations first.","start":3366.6902,"end":3372.37,"sentiment":"neutral","sentiment_score":-0.11981959910028511},{"text":"So, essentially, as we've been going through the end reviews, we've been flagging it with everyone and then going through the advice process to have it removed.","start":3372.37,"end":3379.7148,"sentiment":"neutral","sentiment_score":-0.026344490754935477},{"text":"But we have to go through the as I was kinda mentioned in the beginning, we're in that best interest duty.","start":3380.335,"end":3384.8948,"sentiment":"neutral","sentiment_score":0.08846625827607654}],"sentiment":"neutral","sentiment_score":-0.014025472906521626,"num_words":72,"start":3364.9302,"end":3384.8948},{"sentences":[{"text":"So we have to understand your goals and make sure that when we update the portfolio and when we make changes to your portfolio, that is in line with your risk profile, your tolerance, your goals, and what you're actually hoping to achieve.","start":3384.8948,"end":3396.29,"sentiment":"neutral","sentiment_score":0.19055313565010248},{"text":"If we had just gone in there and removed that investment out of there, as much as it probably could've mitigated some of the the market drop or some of the drop that I had seen, it we risk kind of having you invested in an investment that isn't in line with your goals, that, you know, is overexposing you or isn't actually what you wanted to see.","start":3396.83,"end":3416.7952,"sentiment":"neutral","sentiment_score":-0.30547220731044517},{"text":"And then we go to the annual review, and we have the next conversation with you.","start":3416.7952,"end":3420.3,"sentiment":"neutral","sentiment_score":-0.016907468903809786},{"text":"And then we update the advice to reflect.","start":3420.3,"end":3422.3801,"sentiment":"neutral","sentiment_score":0.015438701724633574},{"text":"So that's why we didn't originally move it, and I've been trying to sort of get through all the annual reviews to have that conversation.","start":3422.3801,"end":3429.52,"sentiment":"neutral","sentiment_score":-0.030442338064312936}],"sentiment":"neutral","sentiment_score":-0.08428996002767235,"num_words":160,"start":3384.8948,"end":3429.52},{"sentences":[{"text":"The good thing is as much as it was a dip, Benelong is down.","start":3429.6602,"end":3434.305,"sentiment":"neutral","sentiment_score":-0.09817150980234146},{"text":"It hasn't really and it has affected everyone's portfolios, essentially, but it has been slowly having little parts of recovery here and there.","start":3434.9248,"end":3443.4048,"sentiment":"neutral","sentiment_score":-0.3206068419891855},{"text":"So it has been coming up slowly.","start":3443.4048,"end":3445.8,"sentiment":"negative","sentiment_score":-0.41583357538495747},{"text":"We just decided it's not worth going through the ups and downs.","start":3445.8,"end":3448.6,"sentiment":"negative","sentiment_score":-0.6445871690909067},{"text":"We've given them a long enough time.","start":3448.6,"end":3450.7,"sentiment":"negative","sentiment_score":-0.5269208678177425}],"sentiment":"negative","sentiment_score":-0.366391835468156,"num_words":63,"start":3429.6602,"end":3450.7},{"sentences":[{"text":"It had a bit of volatility through COVID as well, and the investment committee just decided with the most recent activity with the investment managers is unperforming.","start":3451.1602,"end":3459.675,"sentiment":"negative","sentiment_score":-0.5407800519907916},{"text":"It's just not worth keeping anymore.","start":3459.895,"end":3461.595,"sentiment":"negative","sentiment_score":-0.6847135225931803},{"text":"So we've that's why we've sort of done it as slowly as we had, but just making sure the advice is appropriate and and within your goals as well, which is the most important part.","start":3461.655,"end":3472.395,"sentiment":"neutral","sentiment_score":0.20330617555550168},{"text":"Yeah.","start":3472.455,"end":3472.955,"sentiment":"neutral","sentiment_score":0.1915874183177948},{"text":"Absolutely.","start":3474.5,"end":3475.0,"sentiment":"positive","sentiment_score":0.418454647064209}],"sentiment":"neutral","sentiment_score":-0.1569083475640842,"num_words":70,"start":3451.1602,"end":3475.0},{"sentences":[{"text":"Absolutely.","start":3476.98,"end":3477.48,"sentiment":"neutral","sentiment_score":0.22555698454380035},{"text":"Yeah.","start":3478.26,"end":3478.58,"sentiment":"neutral","sentiment_score":0.20525336265563965},{"text":"We can flag things in advance.","start":3478.58,"end":3480.18,"sentiment":"neutral","sentiment_score":0.1884523257613182},{"text":"And if I see anything additional, we'll make sure we get you back in.","start":3480.18,"end":3483.3,"sentiment":"neutral","sentiment_score":0.15843628772667476},{"text":"Yeah.","start":3483.3,"end":3483.7,"sentiment":"neutral","sentiment_score":0.1474003940820694}],"sentiment":"neutral","sentiment_score":0.17074055321838544,"num_words":23,"start":3476.98,"end":3483.7},{"sentences":[{"text":"Absolutely.","start":3483.7,"end":3484.2,"sentiment":"neutral","sentiment_score":0.215884268283844},{"text":"Yep.","start":3485.14,"end":3485.64,"sentiment":"neutral","sentiment_score":0.24652771651744845},{"text":"Yes.","start":3496.6848,"end":3497.1848,"sentiment":"neutral","sentiment_score":0.026609309017658234},{"text":"Yeah.","start":3499.005,"end":3499.4048,"sentiment":"neutral","sentiment_score":0.03890325501561165},{"text":"So the the, yeah, so you're thinking about the bring forward rule.","start":3499.4048,"end":3503.22,"sentiment":"neutral","sentiment_score":0.05764219785730044}],"sentiment":"neutral","sentiment_score":0.07622693269513547,"num_words":16,"start":3483.7,"end":3503.22},{"sentences":[{"text":"Essentially, that allows you to yeah.","start":3503.22,"end":3505.46,"sentiment":"neutral","sentiment_score":0.043582298482457794},{"text":"That's okay.","start":3505.46,"end":3506.1802,"sentiment":"neutral","sentiment_score":0.1734389364719391},{"text":"It's essentially allowing you to contribute this year's non concessional cap of a 130,000 plus the next two financial years in one go.","start":3506.1802,"end":3514.76,"sentiment":"neutral","sentiment_score":0.1100184760339882},{"text":"There are some rules around it about super balance and things like that.","start":3514.9749,"end":3518.415,"sentiment":"neutral","sentiment_score":0.03943408653140068},{"text":"But for yourself, Cath, that you know, you're under the limits there with everything.","start":3518.415,"end":3522.435,"sentiment":"neutral","sentiment_score":0.03764929369624172}],"sentiment":"neutral","sentiment_score":0.0720436180909646,"num_words":58,"start":3503.22,"end":3522.435},{"sentences":[{"text":"So we could definitely look at doing that for you.","start":3522.895,"end":3525.395,"sentiment":"positive","sentiment_score":0.3818516582250595},{"text":"Those funds go into your tax free component within super, so a 100% invested into the portfolio.","start":3525.615,"end":3531.62,"sentiment":"positive","sentiment_score":0.3422875018680797},{"text":"And that could definitely build your super a bit higher and provide greater returns and also give you a greater benefit down the track.","start":3532.4001,"end":3538.48,"sentiment":"positive","sentiment_score":0.5211669181783994},{"text":"But, yeah, that's the bring forward rule, which is really cool.","start":3538.48,"end":3541.06,"sentiment":"positive","sentiment_score":0.5883497785438191},{"text":"One of my favorite rules, and being able to contribute up to 390,000 in one go is pretty awesome.","start":3541.2952,"end":3547.0752,"sentiment":"positive","sentiment_score":0.66999730310942}],"sentiment":"positive","sentiment_score":0.510459339177167,"num_words":81,"start":3522.895,"end":3547.0752},{"sentences":[{"text":"Yep.","start":3553.695,"end":3554.195,"sentiment":"neutral","sentiment_score":-0.003221404505893588},{"text":"Yeah.","start":3557.41,"end":3557.81,"sentiment":"neutral","sentiment_score":0.06978993862867355},{"text":"Definitely.","start":3557.81,"end":3558.29,"sentiment":"neutral","sentiment_score":0.14721545577049255},{"text":"That's the carry forward.","start":3558.29,"end":3559.57,"sentiment":"neutral","sentiment_score":0.2041047178208828},{"text":"It's amazing how they worded these ones, but that's the carry forward contribution.","start":3559.57,"end":3563.83,"sentiment":"neutral","sentiment_score":0.17096833139657974}],"sentiment":"neutral","sentiment_score":0.162639558466617,"num_words":20,"start":3553.695,"end":3563.83},{"sentences":[{"text":"So, essentially, it takes any of your unused concessional contributions cap.","start":3564.1301,"end":3569.505,"sentiment":"neutral","sentiment_score":0.04011488248678771},{"text":"So concessional contributions are your employer contributions, any salary sacrifice, and or deductible contributions.","start":3569.585,"end":3576.085,"sentiment":"neutral","sentiment_score":0.07725868746638298},{"text":"It keeps your myGov account and the ACO keep track of what's being noted or reported by your super fund over the past five years as well as your employer.","start":3577.265,"end":3587.47,"sentiment":"neutral","sentiment_score":0.2785383810599645},{"text":"So any additional cap space over the past five years sits there.","start":3587.53,"end":3591.47,"sentiment":"neutral","sentiment_score":0.12538079979519048},{"text":"And in any one financial year or you can do it slowly over a few financial years, you can essentially go over this year's cap and contribute anything for the past five financial years so long as your super balance is under 500,000 as of the June 30 the prior financial year.","start":3591.53,"end":3609.855,"sentiment":"neutral","sentiment_score":0.13675756494586283}],"sentiment":"neutral","sentiment_score":0.15542016586899257,"num_words":119,"start":3564.1301,"end":3609.855},{"sentences":[{"text":"Yeah.","start":3612.27,"end":3612.77,"sentiment":"neutral","sentiment_score":0.021059218794107437},{"text":"500,000 as of June 30 last financial year.","start":3613.9502,"end":3617.3901,"sentiment":"neutral","sentiment_score":0.04695296613499522},{"text":"So you meet that criteria.","start":3617.3901,"end":3619.1702,"sentiment":"neutral","sentiment_score":0.09665412157773971},{"text":"That's fine.","start":3619.31,"end":3620.05,"sentiment":"neutral","sentiment_score":0.21419423073530197},{"text":"Yeah.","start":3620.11,"end":3620.61,"sentiment":"neutral","sentiment_score":0.0875791609287262}],"sentiment":"neutral","sentiment_score":0.08211301048012341,"num_words":17,"start":3612.27,"end":3620.61},{"sentences":[{"text":"Unfortunately, not.","start":3622.6702,"end":3623.97,"sentiment":"neutral","sentiment_score":-0.1077234297990799},{"text":"Yeah.","start":3625.445,"end":3625.945,"sentiment":"neutral","sentiment_score":-0.0088245440274477},{"text":"So we just have to double check.","start":3629.445,"end":3631.045,"sentiment":"neutral","sentiment_score":-0.07691019134862083},{"text":"Let me double check what the the cap is.","start":3631.045,"end":3632.805,"sentiment":"neutral","sentiment_score":-0.041761112295918994},{"text":"I'm pretty sure he actually can because the cap is there.","start":3632.805,"end":3636.48,"sentiment":"neutral","sentiment_score":-0.010625900192694231}],"sentiment":"neutral","sentiment_score":-0.04184592186162869,"num_words":30,"start":3622.6702,"end":3636.48},{"sentences":[{"text":"But, realistically, if we're looking at trying to boost your super, it would probably provide the greater benefit to yourself.","start":3636.64,"end":3642.58,"sentiment":"neutral","sentiment_score":0.24497946845367552},{"text":"As much as that money going into Paul's super would build on his, if we put it into yours, it means that we're boosting your balance and then also providing you know, getting your super growing a little bit harder as well.","start":3642.88,"end":3654.425,"sentiment":"neutral","sentiment_score":0.18094774371101743},{"text":"You're alright.","start":3663.045,"end":3663.785,"sentiment":"neutral","sentiment_score":-0.028019007295370102},{"text":"You're alright.","start":3664.325,"end":3664.8,"sentiment":"neutral","sentiment_score":-0.047137634828686714},{"text":"Yeah.","start":3668.4001,"end":3668.9001,"sentiment":"neutral","sentiment_score":0.021319203078746796}],"sentiment":"neutral","sentiment_score":0.18463284363831156,"num_words":67,"start":3636.64,"end":3668.9001},{"sentences":[{"text":"Yeah.","start":3670.4001,"end":3670.72,"sentiment":"neutral","sentiment_score":0.12086458504199982},{"text":"That's okay.","start":3670.72,"end":3671.2,"sentiment":"neutral","sentiment_score":0.23535173386335373},{"text":"So we can definitely look at putting some into pools as well.","start":3671.2,"end":3674.1602,"sentiment":"neutral","sentiment_score":0.21175402775406837},{"text":"Or depending on what you wanna do, we have other ways of investing.","start":3674.1602,"end":3677.86,"sentiment":"neutral","sentiment_score":0.18002988283450788},{"text":"So we can build investment portfolios very similar to your super, in, say, hub twenty four or other investments, or we also have investment bonds, which don't have tax consequences.","start":3677.9202,"end":3689.325,"sentiment":"neutral","sentiment_score":0.20842850524932147}],"sentiment":"neutral","sentiment_score":0.20217000034734092,"num_words":58,"start":3670.4001,"end":3689.325},{"sentences":[{"text":"Some of the cool things I like about investment bonds is you're putting money into a bond.","start":3689.545,"end":3693.37,"sentiment":"positive","sentiment_score":0.5468340638805839},{"text":"If you're happy to keep it there for, say, ten years, that money can grow and build over time.","start":3693.37,"end":3698.43,"sentiment":"positive","sentiment_score":0.6409243596227545},{"text":"And then after that ten year time horizon, you start to draw income out of that bond, and there's no income tax on that money.","start":3698.73,"end":3706.57,"sentiment":"positive","sentiment_score":0.5499610090255738},{"text":"It's all tax free if it's held that way.","start":3706.57,"end":3708.805,"sentiment":"positive","sentiment_score":0.6893926660219828},{"text":"We can, depending on what you wanna do, if you've got grandkids or kids that you wanna put money away for as, you know, a future inheritance sort of thing, we can look at doing that.","start":3709.025,"end":3717.6848,"sentiment":"positive","sentiment_score":0.44739408708280987}],"sentiment":"positive","sentiment_score":0.5427687572983076,"num_words":106,"start":3689.545,"end":3717.6848},{"sentences":[{"text":"We can look at putting money into super, turn deposits.","start":3718.1448,"end":3720.7249,"sentiment":"neutral","sentiment_score":0.07552699372172356},{"text":"There's a lot of things that we can definitely do with regard to the funds.","start":3720.865,"end":3724.8298,"sentiment":"positive","sentiment_score":0.504008549451828},{"text":"It just comes down to what your goals are, what your risk tolerance is, what you wanna do with the money in the next one, two, five, ten years, and then we kind of work out what strategy works better for you as well.","start":3724.8298,"end":3735.95,"sentiment":"neutral","sentiment_score":0.25505866821516643},{"text":"So there's lots of different things that we can do.","start":3735.95,"end":3737.0151,"sentiment":"neutral","sentiment_score":0.20932583510875702},{"text":"Yeah.","start":3737.0151,"end":3737.5151,"sentiment":"neutral","sentiment_score":0.11211452633142471}],"sentiment":"neutral","sentiment_score":0.2717919057235122,"num_words":80,"start":3718.1448,"end":3737.5151},{"sentences":[{"text":"Mhmm.","start":3746.615,"end":3747.115,"sentiment":"neutral","sentiment_score":0.16615447402000427},{"text":"Yeah.","start":3752.77,"end":3753.0898,"sentiment":"neutral","sentiment_score":0.06547167152166367},{"text":"Right.","start":3753.0898,"end":3753.5898,"sentiment":"neutral","sentiment_score":0.04472041875123978},{"text":"Yeah.","start":3754.45,"end":3754.69,"sentiment":"neutral","sentiment_score":0.053210921585559845},{"text":"Right.","start":3754.69,"end":3755.19,"sentiment":"neutral","sentiment_score":0.03949283808469772}],"sentiment":"neutral","sentiment_score":0.07381006479263305,"num_words":5,"start":3746.615,"end":3755.19},{"sentences":[{"text":"You do you remember what it's called?","start":3755.25,"end":3756.8699,"sentiment":"neutral","sentiment_score":0.018072859783257757},{"text":"Yeah.","start":3759.25,"end":3759.75,"sentiment":"neutral","sentiment_score":0.039432138204574585},{"text":"Yes.","start":3762.225,"end":3762.725,"sentiment":"neutral","sentiment_score":0.05646064877510071},{"text":"Yes.","start":3770.865,"end":3771.365,"sentiment":"neutral","sentiment_score":0.09539876878261566},{"text":"Yeah.","start":3771.8252,"end":3772.3252,"sentiment":"neutral","sentiment_score":0.14059790968894958}],"sentiment":"neutral","sentiment_score":0.04167268035764044,"num_words":11,"start":3755.25,"end":3772.3252},{"sentences":[{"text":"So Vanguard Vanguard has lots of different investment options to choose from, and there are some high risk, some low risk.","start":3772.465,"end":3780.07,"sentiment":"neutral","sentiment_score":0.14589203078122365},{"text":"It just depends on what you're investing in.","start":3780.07,"end":3782.49,"sentiment":"neutral","sentiment_score":0.11058190371841192},{"text":"But Vanguard do have, like, an investment platform very similar to Hub twenty four.","start":3782.87,"end":3787.11,"sentiment":"neutral","sentiment_score":0.18083720122064864},{"text":"And on that platform, you can then invest in all the different in Vanguard different investment options as well.","start":3787.11,"end":3792.695,"sentiment":"neutral","sentiment_score":0.1938302744376032},{"text":"So there are absolutely those other options that we can look at for you.","start":3792.7551,"end":3796.2751,"sentiment":"positive","sentiment_score":0.39376977112676415}],"sentiment":"neutral","sentiment_score":0.20625869346488462,"num_words":76,"start":3772.465,"end":3796.2751},{"sentences":[{"text":"Yeah.","start":3796.2751,"end":3796.595,"sentiment":"neutral","sentiment_score":0.18652105331420896},{"text":"Definitely.","start":3796.595,"end":3797.095,"sentiment":"neutral","sentiment_score":0.2226077914237976},{"text":"Yeah.","start":3798.435,"end":3798.935,"sentiment":"neutral","sentiment_score":0.01611795276403427},{"text":"Latrobe?","start":3801.635,"end":3802.135,"sentiment":"neutral","sentiment_score":0.019363030791282657},{"text":"Yep.","start":3804.2751,"end":3804.7751,"sentiment":"neutral","sentiment_score":0.0908370241522789}],"sentiment":"neutral","sentiment_score":0.10708937048912048,"num_words":5,"start":3796.2751,"end":3804.7751},{"sentences":[{"text":"Yep.","start":3807.155,"end":3807.48,"sentiment":"neutral","sentiment_score":0.0901702269911766},{"text":"Yeah.","start":3814.68,"end":3815.08,"sentiment":"neutral","sentiment_score":0.06430818140506744},{"text":"A lot of those are cash accounts, and Latrobe has there are some rules around Latrobe in accessing those funds.","start":3815.08,"end":3821.88,"sentiment":"neutral","sentiment_score":0.0534226912073791},{"text":"So with them, I know with and I've had clients in Latrobe before.","start":3821.88,"end":3825.635,"sentiment":"neutral","sentiment_score":0.08795882876102741},{"text":"They're not bad in any way.","start":3825.635,"end":3826.7551,"sentiment":"neutral","sentiment_score":0.3014417539040248}],"sentiment":"neutral","sentiment_score":0.10183042755759344,"num_words":41,"start":3807.155,"end":3826.7551},{"sentences":[{"text":"They suit a certain type of client, but there are points where if your money's in the Latrobe and you wanna pull money out for any additional reason, they have rules and different fees on things like that.","start":3826.7551,"end":3837.635,"sentiment":"neutral","sentiment_score":0.08353804228337187},{"text":"So it can be hard to access funds.","start":3837.635,"end":3839.8901,"sentiment":"neutral","sentiment_score":-0.0791359303984791},{"text":"So I'd realistically be wanting to look at how how much you need to access in the short term, what the likelihood of you needing to access is, and how do we get good returns whilst allowing you access to your funds when you need them as well.","start":3839.8901,"end":3852.755,"sentiment":"neutral","sentiment_score":0.11686456498379509},{"text":"Yeah.","start":3852.755,"end":3853.255,"sentiment":"neutral","sentiment_score":0.09325741231441498},{"text":"Yeah.","start":3854.355,"end":3854.855,"sentiment":"neutral","sentiment_score":0.1279761642217636}],"sentiment":"neutral","sentiment_score":0.08720927978477751,"num_words":96,"start":3826.7551,"end":3854.855},{"sentences":[{"text":"Yeah.","start":3855.795,"end":3856.295,"sentiment":"positive","sentiment_score":0.3892846703529358},{"text":"Excellent.","start":3856.355,"end":3856.855,"sentiment":"positive","sentiment_score":0.5800327062606812},{"text":"Yep.","start":3862.9949,"end":3863.37,"sentiment":"neutral","sentiment_score":0.16136741638183594},{"text":"Yeah.","start":3867.1301,"end":3867.53,"sentiment":"neutral","sentiment_score":0.15308554470539093},{"text":"Absolutely.","start":3867.53,"end":3868.03,"sentiment":"neutral","sentiment_score":0.14881594479084015}],"sentiment":"neutral","sentiment_score":0.2865172564983368,"num_words":5,"start":3855.795,"end":3868.03},{"sentences":[{"text":"Yeah.","start":3870.1702,"end":3870.6702,"sentiment":"neutral","sentiment_score":0.07049675285816193},{"text":"Yes.","start":3882.105,"end":3882.605,"sentiment":"neutral","sentiment_score":0.20325638353824615},{"text":"Yes.","start":3895.16,"end":3895.66,"sentiment":"neutral","sentiment_score":0.0018153544515371325},{"text":"Prior to using it?","start":3897.88,"end":3899.26,"sentiment":"neutral","sentiment_score":-0.011721606831997633},{"text":"Yeah.","start":3899.925,"end":3900.245,"sentiment":"neutral","sentiment_score":0.005007848143577576}],"sentiment":"neutral","sentiment_score":0.029211238957941532,"num_words":8,"start":3870.1702,"end":3900.245},{"sentences":[{"text":"Yeah.","start":3900.245,"end":3900.645,"sentiment":"neutral","sentiment_score":0.031519725918769836},{"text":"Absolutely.","start":3900.645,"end":3901.145,"sentiment":"neutral","sentiment_score":0.09995049238204956},{"text":"No.","start":3901.365,"end":3901.5251,"sentiment":"neutral","sentiment_score":-0.10296182334423064},{"text":"That's completely understandable.","start":3901.5251,"end":3902.745,"sentiment":"neutral","sentiment_score":-0.17074798544247946},{"text":"We can certainly look at that.","start":3902.885,"end":3904.425,"sentiment":"neutral","sentiment_score":-0.050899180894096695}],"sentiment":"neutral","sentiment_score":-0.06576088722795248,"num_words":12,"start":3900.245,"end":3904.425},{"sentences":[{"text":"I just would let you know I'm going away next week, so I'll be away for two weeks.","start":3904.645,"end":3908.405,"sentiment":"neutral","sentiment_score":-0.09787736998664008},{"text":"But I'll be back early October.","start":3908.405,"end":3910.105,"sentiment":"neutral","sentiment_score":-0.050259084130326905},{"text":"If you need anything, let the team know.","start":3910.965,"end":3913.605,"sentiment":"neutral","sentiment_score":0.06792569207027555},{"text":"They'll book you in as soon as I get back to talk to me.","start":3913.605,"end":3916.38,"sentiment":"neutral","sentiment_score":0.10750477920685496},{"text":"And, yeah, if you guys find out that you're selling the property and you wanna talk beforehand, you just let me know.","start":3916.38,"end":3922.14,"sentiment":"neutral","sentiment_score":0.07661645656282251}],"sentiment":"neutral","sentiment_score":0.024568931254393914,"num_words":68,"start":3904.645,"end":3922.14},{"sentences":[{"text":"I will book you both in at any time that suits you, and we will have that conversation and look at updating the advice for you.","start":3922.14,"end":3927.9,"sentiment":"neutral","sentiment_score":0.1507868993167694},{"text":"Okay?","start":3927.9,"end":3928.4,"sentiment":"neutral","sentiment_score":0.15681502223014832},{"text":"I'm going to Victoria.","start":3930.355,"end":3931.395,"sentiment":"neutral","sentiment_score":0.06733107659965754},{"text":"We're gonna drive the Great Ocean Road.","start":3931.395,"end":3933.2551,"sentiment":"neutral","sentiment_score":0.17110708355903625},{"text":"My 10 year old son can't wait.","start":3935.955,"end":3938.215,"sentiment":"positive","sentiment_score":0.6423976591655186}],"sentiment":"neutral","sentiment_score":0.22313626466525927,"num_words":45,"start":3922.14,"end":3938.215},{"sentences":[{"text":"Oh, yes.","start":3942.915,"end":3947.23,"sentiment":"neutral","sentiment_score":0.24399181455373764},{"text":"Yes.","start":3947.23,"end":3947.73,"sentiment":"neutral","sentiment_score":0.009663078002631664},{"text":"Yes.","start":3948.51,"end":3949.01,"sentiment":"neutral","sentiment_score":0.05973448604345322},{"text":"Oh, fantastic.","start":3949.55,"end":3950.8499,"sentiment":"positive","sentiment_score":0.5286242663860321},{"text":"Lovely.","start":3951.39,"end":3951.89,"sentiment":"positive","sentiment_score":0.48821496963500977}],"sentiment":"neutral","sentiment_score":0.3004063850800906,"num_words":7,"start":3942.915,"end":3951.89},{"sentences":[{"text":"Thank you so much.","start":3953.23,"end":3954.53,"sentiment":"positive","sentiment_score":0.6801049709320068},{"text":"Appreciate you both taking my call.","start":3954.99,"end":3956.99,"sentiment":"positive","sentiment_score":0.7193353374799093},{"text":"I hope you both have a lovely night.","start":3956.99,"end":3958.6448,"sentiment":"positive","sentiment_score":0.6472926586866379},{"text":"If either of you have any questions, please don't ever hesitate to let me know.","start":3958.6448,"end":3962.505,"sentiment":"neutral","sentiment_score":0.23942712644735972},{"text":"But thank you for the opportunity to put this together and taking my call this evening.","start":3962.7249,"end":3966.4248,"sentiment":"positive","sentiment_score":0.5596016747877002}],"sentiment":"positive","sentiment_score":0.505302181049269,"num_words":49,"start":3953.23,"end":3966.4248},{"sentences":[{"text":"Anytime.","start":3968.005,"end":3968.505,"sentiment":"neutral","sentiment_score":0.2636307179927826},{"text":"Thanks, Cass.","start":3968.6448,"end":3969.4448,"sentiment":"positive","sentiment_score":0.40064817667007446},{"text":"See you, Paul.","start":3969.4448,"end":3970.265,"sentiment":"neutral","sentiment_score":0.24118744333585104},{"text":"Bye.","start":3971.045,"end":3971.545,"sentiment":"neutral","sentiment_score":0.13440737128257751}],"sentiment":"neutral","sentiment_score":0.27469953894615173,"num_words":7,"start":3968.005,"end":3971.545}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. How are you? Not It will be, I'm sure. Paul's mowing the lawn. Don't wanna stop him because it's gonna rain tomorrow. That sounds so bad. But I guess can you go through some of it with me, and then I'll get him for any important stuff for him? Or do or would you rather go to this all the time? Okay. Yeah. Well, hang on. I'll just one second. I'll see if I can find him. Actually, he just finished, which is perfect. Right timing. Yep. Yeah. For sure. He's coming in about two seconds. Yeah. Okay. Catherine Ann Woods. 16th To 2nd 71. 76 Kings Street, Wynnew, New South Wales 2517. Yes. For sure. Yep. Alright. That's okay. I'll have a look. Yep. Yep. Yep. Hang on. Yeah. Good, actually. Good. Good. Yeah. I've got it right here. Yep. Yep. Yep. Yep. Hang on a second. So there's two. There's one for me on the portal. Is that right? No? Sign it. Okay. For sure. Yeah. No worries. Yeah. It's just opening now. Hang on. Alright. Okay. Yes. I'm here. Paul is just just taking his boots off and all that. Okay. Perfect. Yep. Yep. For sure. Do you want us to wait, Paul? Are you good? So I have to start? Okay. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Sure. Sam, Paul, are you on it? The on the email? Only if you wanna follow through. Otherwise so you're gonna send it through Paul's as well? How did you send it? What was the email that you sent to Pauls? Oh, okay. I have it. Do you want It's alright. Just you do it. Oh, he was we can both bring along with it. Yeah. It Oh, he don't mind. He's efficient. Yep. No. Perfect. Yep. Yep. Good. How are you? Oh, not too bad so far. Thank you. Yes. Thanks. Thank you. Oh, but it's yeah. You're gonna do that. You know? I do. You must have done it. I sent that up last time. Okay. Okay. You're up. That's fine. Yep. 100? Yep. Yep. For sure. Yep. Yep. Yep. Okay. Can you send me that form now then? And then I'll I'll print it, sign it, and send it off. Okay. Yep. That is new. Yeah. It is new. Please. Yes. Thank you. Oh, that's good. Yep. Sure. So what is what do you think that is in the difference? Yep. So, Paul, you know how with my sorry. I'll just explain they kept my NDS super Yeah. And they transfer so much over because my daughter's insurance is included. Yep. Yeah. Yep. Yep. Yep. Sorry. Yeah. No. I think that's right. This is fine. Yep. Yep. Hello? Yeah. Yep. Yep. Thank you. Yep. Yep. No. So that's by getting rid of Ben Long and buying other things. Is that correct? Investing in other things. Yes. Yes. Yep. Yeah. See that? Yep. Mhmm. Yeah. My glasses are oh, I'm sorry. My glasses get on on laptop. I've got them on. Like no. That's all. I can I can see it now? It is me. Take your notes. Yes. Yep. Yep. Yep. Oh, sorry. That's the BETA shares, the b e t a. So okay. Yep. Three page oh, the top one. 100And20001, the red one. That's right. That's it. Yep. Yep. So you're getting rid of that. Yeah. Yep. Yeah. Okay. So can I just ask you that question? You said sometimes you buy into things that aren't going as well. So why would you do that then? Oh, yeah. True. Still. Perfect. Yep. Yep. Yep. Yes. Yes. Yes. Yes. Yep. Right. So you think yes. So you think that these are gonna come back up, obviously, or you wouldn't invest in it? Yes. Okay. Perfect. Yes. No. Yes. Yeah. Sure. No. It does. It does. Thanks. So can I ask then, if you say so if you invest in shares, you actually got a dividend that goes back into the portfolio too? Is that correct? Well, that's interesting. That's why I understand because gold just goes. It's like a real estate. It just shows up. Yeah. I know what you're saying. Yeah. Yes. Okay. Jeez. Yeah. Wow. Interesting. Yep. Yeah. Yeah. No. All good. Thanks. Yes. Alright. Can I just ask a question? I think I spoke to your last week or something. If I hope I think she passed it on to you. If we didn't have the Benelon, just even just Benelon, what would and say it was even some shares that even made a neutral, not negative. So Benelon made negative, is it? Like, it went down. So even that was Ben Long and just whatever those amount was invested in even just neutral and got 0%, you know, not not negative, not positive. What percentage would we have made? Because when he told us it was about seven point something percent last a few weeks ago, we thought, I mean, that's pretty good, but I was speaking to people that said, oh, this got over 10%, like, last year. And I thought, well, you know, so what would we have did you get did he ask you about that? Yes. Okay. Yeah. Yeah. Yeah. Yeah. Sure. Yep. That's fine. Yep. Oh, yeah. Cool. Yep. Yes. Sure. Yeah. That is okay. Yep. No problem. Yep. Yes, ma'am. Yeah. For sure. Okay. That's fine. Yeah. Yeah. Yeah. Yep. Yep. Am I done? It's called done? Just, you know, when you talk about the battery thing, the back battery technology lithium. Have you looked at a new technology called I think it's a sodium ion technology? Yes. Yeah. Yes. Yes. Okay. Yeah. Yeah. Because that that potentially if research goes well, that will that will overtake this technology. Yeah. And it's a safe it's a safer profile too. It's a it's a more stable system. As far as the active active type, So it holds it holds better what it has a better energy capacity, and it has a lower risk of fire. So I think as that technology picked up, it'll be a better system. So So can I so can I ask something on top of that for what Paul said? Say if we do end up selling a commercial property, like, if they still haven't they're they're very close to signing, but they still haven't yet. Right? So, of course, they're gonna have money left over because, you know, it's pretty significant super and that sort of thing after you're planning to do it. Then what it's called really interested in this and you think it's a good thing, would it be worth putting we could invest some of the money into that? Not even that super just as a side deal or could what would that be worth looking at? Sure. Yep. Yeah. Sure. Well, it's just that I I've never heard of it. But considering Paul has obviously booked it up and knows a bit about it and thinks it's good. I guess, so I've always found doing it now. When when we if we end up selling See how it's going. And then we actually and then they settle, we can talk then. But you know what I mean? But that's a great idea. It will be something if if that's a, like, a Infancy stage in the life today. Yeah. So should it care? Mhmm. Which type of people will pay. Right? Yeah. Anyways, that's yeah. Good idea. I've got a couple of things that I will need to do if that's okay. Hold it. Alright. Now thank you. Thanks for your hard work. See, I'm here too. Oh, yeah. Sorry. The the beneficiary just come through. So, Paul, if you can print oh, can you print the notes now, sign it? Yeah. Alright. Sorry. Sure. That's the time that we'll do tonight. Yep. Can I get a dose? Is it to do it or does it have to be a external person? Sure. Yep. Perfect. Yep. Okay. Excellent. Alright. Thanks. Over there. Still download. Still download it. Yep. No problem. Thanks. Okay. Yep. Go ahead. Okay. Thanks. Yep. Perfect. Yep. Perfect. Yep. Perfect. Can I ask though, could we leave 5,000 or 2,000 in there or that's not enough? Oh, fair enough. Yep. Perfect. Yep. Yep. No. Yep. Fair enough. Yep. Yep. Yep. And I'm 2727. Yep. Yep. Yes. Yes. No. Yep. Oh, so I've just looked and I know you would have been through it. So actually, I'm paying a thousand dollars a year. Wow. For the yeah. And and and what's the death what's it again? What's the death the death insurance? What what how much is that again? So even though oh, in one lump sum, not a year, obviously. Right. Oh, sure. So, really, this is for probably three more years of me working, and then it's gone anyway, isn't it? Because, well, seven or not yeah. Yes. Yes. That's wrong. Yeah. Yeah, so I just worked out roughly. If I paid it for the next three years, it's a rough growth of 8.45 just roughly. It's about $4,000 that I'm missing in my super. Yeah. Okay. Yes. That's right. Okay. Cool. Yep. Yep. Perfect. Okay. Yep. Perfect. Yep. Yep. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Understood. Yep. Yep. Oh, sorry. You said 29 that's 29 '28. Sorry. You said 28. No. I thought you said '28, which is the current NGS, this graduation, current hate, have twenty four, twelve months. Have we really been through that one? Sorry. So just okay. So what is page number 28? Sorry. I just yep. So, basically, would that that gives a bit of an idea then. Basically, the question I asked before, the current NGS, the last twelve months made 9.93. Yeah? So if Benelon wasn't there, maybe it was up around that. No. Totally. Yes. No. Yes. Yep. No. Fair. Fair. Fair. Yep. Yep. Okay. Yep. Okay. Yep. Perfect. Awesome. Yep. Yep. Yep. Yep. Yes. Yep. Yep. Yep. Yes. Yes. Yep. Yes. Yes. Yes. Yep. Yep. No. Yep. Yep. Yes. Yep. Yep. Sure. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Sure. Yep. Yep. For sure. Yep. Yep. Perfect. Yep. Yep. Yep. Yep. Yep. For sure. Yep. Yep. Yep. Yep. Yep. Perfect. Yep. No. No. That's good. No. No. It's all good. I I understand a lot more now, which is good. Yep. Yeah. Exactly. Yep. Totally. Yeah. Absolutely. Yes. Yeah. No. Absolutely. So I think I just signed it. Can you double check if you've got it back already? Or maybe not. Hang on. For the same one. I could see where it says oh, that's why. Hang on. I didn't signature. What page would that be on there? Hang on. Oh, here. No. Mine's got my little checkbox, but Paul's hasn't. Oh, he's got his own though. He's got going too. Is that right? But on the same document, the same email? Oh, no. Validate and complete. So mine has been done. Okay. Yes. So I think mine's done. So he's he has to do his. Okay. Excellent. Okay. Perfect. Alright. So, yeah, that's I think it's pretty good. So now if you find anything, obviously I mean, I guess, I I will ask. How been long been going down for a little while. I guess, why wasn't it picked up? So I think mid term. Yep. Yeah. Go. Sure. No. That's alright. Yep. Yep. Yep. Perfect. So if we did it every six months, that would be good, wouldn't it? Because then yep. Yep. Okay. Excellent. Yep. Oh, so you know if we do sell the commercial property, how I can put you know, is it brought forward three years or something 100 and 30,000 each year? The three 90. Three four. So Yes. Yes. Yeah. But then there's also the one the one the fact that I haven't done for the last five years, isn't it? That I only put in, say, $4,000, so I can put in difference there as well. Can I? Yeah. Yep. Yep. Sure. Yep. Yep. Yep. Oh, under what? 500,000? Oh, okay. So Paul, obviously, we doesn't meet that anyway because he always puts him right up there. But does he qualify for the $3.90? And how and how and how would that impact him? So yeah. That's right. That that's perfect. But so but then I mean, this is well, I'm talking too about it now, really, but I'm wondering what we do what we do with the rest. I mean, you know you know yeah. Wrong. Oh, yep. Yep. Yep. Yes. Okay. Because I have looked at oh, I forget what it was called. I can't even tell you now. It's a really low risk type thing that and it was still saying that, basically, it's about 7.6%, and you get paid every quarter. Oh, it's an Australian one. Well, I mean, you can also look at what you've got me, which is the oh, what's it called? V Vanguard. I mean, that's pretty low risk, isn't it? Or or is that yeah. Yeah. Sure. Okay. Yeah. Look. I forget. It started with l, but it's Australian. Latrobe. Yes. So they're advertising even for twelve months. I think it's 7.65, and you get paid, I think, monthly. You get the interest monthly if you want, or you can roll it back over into it. I mean Sure. Yeah. Sure. Yep. Yep. Yep. No. That's good. That's good to know. Alright. Well, I'm I'm gonna go across that briefly. I mean, hopefully, if it goes through, if we're here in the next week or so, I I'd almost like to start thinking about what we do, you know, because it'll probably go through six weeks after that. You know? So maybe sometime towards the end of the the end of the year. Because what I think I said you before, if you can write down somewhere that we're gonna I think our capital gains tax is gonna be about 130,000. So I'd like to invest some money that you we can get growth from and access that, and we don't have pay the 130. Well, we will, but we're not going to like, we hope that we've made a some interest on it, and then we can access it potentially to pay that. So it's not a full $1.30 we've gotta pay. Yeah. That's wrong. Oh, easy. Please. Yep. Yep. Perfect. Perfect. Where are you off to? Beautiful. Excellent. Lovely. Actually, I think we did it when our girls were about that age. It was so much fun. And it's good to do it now because it's all possible diminishing. Yeah. I was very jealous. Well, how was that, John? Awesome. Okay. Thank you. No. I appreciate it. Thanks, Heath. Okay. Thank you. Bye bye. 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Good. Thanks. How are you? Not It will be, I'm sure.\n\nPaul's mowing the lawn. Don't wanna stop him because it's gonna rain tomorrow. That sounds so bad. But I guess can you go through some of it with me, and then I'll get him for any important stuff for him? Or do or would you rather go to this all the time?\n\nOkay. Yeah. Well, hang on. I'll just one second. I'll see if I can find him.\n\nActually, he just finished, which is perfect. Right timing. Yep. Yeah. For sure.\n\nHe's coming in about two seconds. Yeah. Okay. Catherine Ann Woods. 16th To 2nd 71.\n\n76 Kings Street, Wynnew, New South Wales 2517. Yes. For sure. Yep. Alright.\n\nThat's okay. I'll have a look. Yep. Yep. Yep.\n\nHang on. Yeah. Good, actually. Good. Good.\n\nYeah. I've got it right here. Yep. Yep. Yep.\n\nYep. Hang on a second. So there's two. There's one for me on the portal. Is that right?\n\nNo? Sign it. Okay. For sure. Yeah.\n\nNo worries. Yeah. It's just opening now. Hang on. Alright.\n\nOkay. Yes. I'm here. Paul is just just taking his boots off and all that. Okay.\n\nPerfect. Yep. Yep. For sure. Do you want us to wait, Paul?\n\nAre you good? So I have to start? Okay. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nSure. Sam, Paul, are you on it? The on the email? Only if you wanna follow through. Otherwise so you're gonna send it through Paul's as well?\n\nHow did you send it? What was the email that you sent to Pauls? Oh, okay. I have it. Do you want It's alright.\n\nJust you do it. Oh, he was we can both bring along with it. Yeah. It Oh, he don't mind. He's efficient.\n\nYep. No. Perfect. Yep. Yep.\n\nGood. How are you? Oh, not too bad so far. Thank you. Yes.\n\nThanks. Thank you. Oh, but it's yeah. You're gonna do that. You know?\n\nI do. You must have done it. I sent that up last time. Okay. Okay.\n\nYou're up. That's fine. Yep. 100? Yep.\n\nYep. For sure. Yep. Yep. Yep.\n\nOkay. Can you send me that form now then? And then I'll I'll print it, sign it, and send it off. Okay. Yep.\n\nThat is new. Yeah. It is new. Please. Yes.\n\nThank you. Oh, that's good. Yep. Sure. So what is what do you think that is in the difference?\n\nYep. So, Paul, you know how with my sorry. I'll just explain they kept my NDS super Yeah. And they transfer so much over because my daughter's insurance is included. Yep.\n\nYeah. Yep. Yep. Yep. Sorry.\n\nYeah. No. I think that's right. This is fine. Yep.\n\nYep. Hello? Yeah. Yep. Yep.\n\nThank you. Yep. Yep. No. So that's by getting rid of Ben Long and buying other things.\n\nIs that correct? Investing in other things. Yes. Yes. Yep.\n\nYeah. See that? Yep. Mhmm. Yeah.\n\nMy glasses are oh, I'm sorry. My glasses get on on laptop. I've got them on. Like no. That's all.\n\nI can I can see it now? It is me. Take your notes. Yes. Yep.\n\nYep. Yep. Oh, sorry. That's the BETA shares, the b e t a. So okay.\n\nYep. Three page oh, the top one. 100And20001, the red one. That's right. That's it.\n\nYep. Yep. So you're getting rid of that. Yeah. Yep.\n\nYeah. Okay. So can I just ask you that question? You said sometimes you buy into things that aren't going as well. So why would you do that then?\n\nOh, yeah. True. Still. Perfect. Yep.\n\nYep. Yep. Yes. Yes. Yes.\n\nYes. Yep. Right. So you think yes. So you think that these are gonna come back up, obviously, or you wouldn't invest in it?\n\nYes. Okay. Perfect. Yes. No.\n\nYes. Yeah. Sure. No. It does.\n\nIt does. Thanks. So can I ask then, if you say so if you invest in shares, you actually got a dividend that goes back into the portfolio too? Is that correct? Well, that's interesting.\n\nThat's why I understand because gold just goes. It's like a real estate. It just shows up. Yeah. I know what you're saying.\n\nYeah. Yes. Okay. Jeez. Yeah.\n\nWow. Interesting. Yep. Yeah. Yeah.\n\nNo. All good. Thanks. Yes. Alright.\n\nCan I just ask a question? I think I spoke to your last week or something. If I hope I think she passed it on to you. If we didn't have the Benelon, just even just Benelon, what would and say it was even some shares that even made a neutral, not negative. So Benelon made negative, is it?\n\nLike, it went down. So even that was Ben Long and just whatever those amount was invested in even just neutral and got 0%, you know, not not negative, not positive. What percentage would we have made? Because when he told us it was about seven point something percent last a few weeks ago, we thought, I mean, that's pretty good, but I was speaking to people that said, oh, this got over 10%, like, last year. And I thought, well, you know, so what would we have did you get did he ask you about that?\n\nYes. Okay. Yeah. Yeah. Yeah.\n\nYeah. Sure. Yep. That's fine. Yep.\n\nOh, yeah. Cool. Yep. Yes. Sure.\n\nYeah. That is okay. Yep. No problem. Yep.\n\nYes, ma'am. Yeah. For sure. Okay. That's fine.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nAm I done? It's called done? Just, you know, when you talk about the battery thing, the back battery technology lithium. Have you looked at a new technology called I think it's a sodium ion technology? Yes.\n\nYeah. Yes. Yes. Okay. Yeah.\n\nYeah. Because that that potentially if research goes well, that will that will overtake this technology. Yeah. And it's a safe it's a safer profile too. It's a it's a more stable system.\n\nAs far as the active active type, So it holds it holds better what it has a better energy capacity, and it has a lower risk of fire. So I think as that technology picked up, it'll be a better system. So So can I so can I ask something on top of that for what Paul said? Say if we do end up selling a commercial property, like, if they still haven't they're they're very close to signing, but they still haven't yet. Right?\n\nSo, of course, they're gonna have money left over because, you know, it's pretty significant super and that sort of thing after you're planning to do it. Then what it's called really interested in this and you think it's a good thing, would it be worth putting we could invest some of the money into that? Not even that super just as a side deal or could what would that be worth looking at? Sure. Yep.\n\nYeah. Sure. Well, it's just that I I've never heard of it. But considering Paul has obviously booked it up and knows a bit about it and thinks it's good. I guess, so I've always found doing it now.\n\nWhen when we if we end up selling See how it's going. And then we actually and then they settle, we can talk then. But you know what I mean? But that's a great idea. It will be something if if that's a, like, a Infancy stage in the life today.\n\nYeah. So should it care? Mhmm. Which type of people will pay. Right?\n\nYeah. Anyways, that's yeah. Good idea. I've got a couple of things that I will need to do if that's okay. Hold it.\n\nAlright. Now thank you. Thanks for your hard work. See, I'm here too. Oh, yeah.\n\nSorry. The the beneficiary just come through. So, Paul, if you can print oh, can you print the notes now, sign it? Yeah. Alright.\n\nSorry. Sure. That's the time that we'll do tonight. Yep. Can I get a dose?\n\nIs it to do it or does it have to be a external person? Sure. Yep. Perfect. Yep.\n\nOkay. Excellent. Alright. Thanks. Over there.\n\nStill download. Still download it. Yep. No problem. Thanks.\n\nOkay. Yep. Go ahead. Okay. Thanks.\n\nYep. Perfect. Yep. Perfect. Yep.\n\nPerfect. Can I ask though, could we leave 5,000 or 2,000 in there or that's not enough? Oh, fair enough. Yep. Perfect.\n\nYep. Yep. No. Yep. Fair enough.\n\nYep. Yep. Yep. And I'm 2727. Yep.\n\nYep. Yes. Yes. No. Yep.\n\nOh, so I've just looked and I know you would have been through it. So actually, I'm paying a thousand dollars a year. Wow. For the yeah. And and and what's the death what's it again?\n\nWhat's the death the death insurance? What what how much is that again? So even though oh, in one lump sum, not a year, obviously. Right. Oh, sure.\n\nSo, really, this is for probably three more years of me working, and then it's gone anyway, isn't it? Because, well, seven or not yeah. Yes. Yes. That's wrong.\n\nYeah. Yeah, so I just worked out roughly. If I paid it for the next three years, it's a rough growth of 8.45 just roughly. It's about $4,000 that I'm missing in my super. Yeah.\n\nOkay. Yes. That's right. Okay. Cool.\n\nYep. Yep. Perfect. Okay. Yep.\n\nPerfect. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yes. Yep. Yep.\n\nYep. Understood. Yep. Yep. Oh, sorry.\n\nYou said 29 that's 29 '28. Sorry. You said 28. No. I thought you said '28, which is the current NGS, this graduation, current hate, have twenty four, twelve months.\n\nHave we really been through that one? Sorry. So just okay. So what is page number 28? Sorry.\n\nI just yep. So, basically, would that that gives a bit of an idea then. Basically, the question I asked before, the current NGS, the last twelve months made 9.93. Yeah? So if Benelon wasn't there, maybe it was up around that.\n\nNo. Totally. Yes. No. Yes.\n\nYep. No. Fair. Fair. Fair.\n\nYep. Yep. Okay. Yep. Okay.\n\nYep. Perfect. Awesome. Yep. Yep.\n\nYep. Yep. Yes. Yep. Yep.\n\nYep. Yes. Yes. Yep. Yes.\n\nYes. Yes. Yep. Yep. No.\n\nYep. Yep. Yes. Yep. Yep.\n\nSure. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Sure.\n\nYep. Yep. For sure. Yep. Yep.\n\nPerfect. Yep. Yep. Yep. Yep.\n\nYep. For sure. Yep. Yep. Yep.\n\nYep. Yep. Perfect. Yep. No.\n\nNo. That's good. No. No. It's all good.\n\nI I understand a lot more now, which is good. Yep. Yeah. Exactly. Yep.\n\nTotally. Yeah. Absolutely. Yes. Yeah.\n\nNo. Absolutely. So I think I just signed it. Can you double check if you've got it back already? Or maybe not.\n\nHang on. For the same one. I could see where it says oh, that's why. Hang on. I didn't signature.\n\nWhat page would that be on there? Hang on. Oh, here. No. Mine's got my little checkbox, but Paul's hasn't.\n\nOh, he's got his own though. He's got going too. Is that right? But on the same document, the same email? Oh, no.\n\nValidate and complete. So mine has been done. Okay. Yes. So I think mine's done.\n\nSo he's he has to do his. Okay. Excellent. Okay. Perfect.\n\nAlright. So, yeah, that's I think it's pretty good. So now if you find anything, obviously I mean, I guess, I I will ask. How been long been going down for a little while. I guess, why wasn't it picked up?\n\nSo I think mid term. Yep. Yeah. Go. Sure.\n\nNo. That's alright. Yep. Yep. Yep.\n\nPerfect. So if we did it every six months, that would be good, wouldn't it? Because then yep. Yep. Okay.\n\nExcellent. Yep. Oh, so you know if we do sell the commercial property, how I can put you know, is it brought forward three years or something 100 and 30,000 each year? The three 90. Three four.\n\nSo Yes. Yes. Yeah. But then there's also the one the one the fact that I haven't done for the last five years, isn't it? That I only put in, say, $4,000, so I can put in difference there as well.\n\nCan I? Yeah. Yep. Yep. Sure.\n\nYep. Yep. Yep. Oh, under what? 500,000?\n\nOh, okay. So Paul, obviously, we doesn't meet that anyway because he always puts him right up there. But does he qualify for the $3.90? And how and how and how would that impact him? So yeah.\n\nThat's right. That that's perfect. But so but then I mean, this is well, I'm talking too about it now, really, but I'm wondering what we do what we do with the rest. I mean, you know you know yeah. Wrong.\n\nOh, yep. Yep. Yep. Yes. Okay.\n\nBecause I have looked at oh, I forget what it was called. I can't even tell you now. It's a really low risk type thing that and it was still saying that, basically, it's about 7.6%, and you get paid every quarter. Oh, it's an Australian one. Well, I mean, you can also look at what you've got me, which is the oh, what's it called?\n\nV Vanguard. I mean, that's pretty low risk, isn't it? Or or is that yeah. Yeah. Sure.\n\nOkay. Yeah. Look. I forget. It started with l, but it's Australian.\n\nLatrobe. Yes. So they're advertising even for twelve months. I think it's 7.65, and you get paid, I think, monthly. You get the interest monthly if you want, or you can roll it back over into it.\n\nI mean Sure. Yeah. Sure. Yep. Yep.\n\nYep. No. That's good. That's good to know. Alright.\n\nWell, I'm I'm gonna go across that briefly. I mean, hopefully, if it goes through, if we're here in the next week or so, I I'd almost like to start thinking about what we do, you know, because it'll probably go through six weeks after that. You know? So maybe sometime towards the end of the the end of the year. Because what I think I said you before, if you can write down somewhere that we're gonna I think our capital gains tax is gonna be about 130,000.\n\nSo I'd like to invest some money that you we can get growth from and access that, and we don't have pay the 130. Well, we will, but we're not going to like, we hope that we've made a some interest on it, and then we can access it potentially to pay that. So it's not a full $1.30 we've gotta pay. Yeah. That's wrong.\n\nOh, easy. Please. Yep. Yep. Perfect.\n\nPerfect. Where are you off to? Beautiful. Excellent. Lovely.\n\nActually, I think we did it when our girls were about that age. It was so much fun. And it's good to do it now because it's all possible diminishing. Yeah. I was very jealous.\n\nWell, how was that, John? Awesome. Okay. Thank you. No.\n\nI appreciate it. Thanks, Heath. Okay. Thank you. Bye bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.032741203904151917},{"text":"Good.","start":8.72,"end":9.12,"sentiment":"positive","sentiment_score":0.5418175458908081},{"text":"Thanks.","start":9.12,"end":9.44,"sentiment":"positive","sentiment_score":0.5625897645950317},{"text":"How are you?","start":9.44,"end":10.26,"sentiment":"positive","sentiment_score":0.33497687180836994},{"text":"Not It will be, I'm sure.","start":18.465,"end":20.645,"sentiment":"neutral","sentiment_score":-0.0034330658963881433}],"sentiment":"neutral","sentiment_score":0.1767900612030644,"num_words":12,"start":3.12,"end":20.645},{"sentences":[{"text":"Paul's mowing the lawn.","start":20.785,"end":21.825,"sentiment":"neutral","sentiment_score":-0.013895958196371794},{"text":"Don't wanna stop him because it's gonna rain tomorrow.","start":21.825,"end":23.925,"sentiment":"neutral","sentiment_score":-0.05378401796850893},{"text":"That sounds so bad.","start":24.865,"end":26.085,"sentiment":"neutral","sentiment_score":0.07081895601004362},{"text":"But I guess can you go through some of it with me, and then I'll get him for any important stuff for him?","start":26.48,"end":31.939999,"sentiment":"neutral","sentiment_score":0.05857185128590335},{"text":"Or do or would you rather go to this all the time?","start":35.36,"end":38.66,"sentiment":"neutral","sentiment_score":0.06665800511837006}],"sentiment":"neutral","sentiment_score":0.03635931674104471,"num_words":52,"start":20.785,"end":38.66},{"sentences":[{"text":"Okay.","start":48.445,"end":48.844997,"sentiment":"neutral","sentiment_score":0.06206757202744484},{"text":"Yeah.","start":48.844997,"end":49.085,"sentiment":"neutral","sentiment_score":0.048446547240018845},{"text":"Well, hang on.","start":49.085,"end":49.605,"sentiment":"neutral","sentiment_score":0.03827312091986338},{"text":"I'll just one second.","start":49.605,"end":50.445,"sentiment":"neutral","sentiment_score":0.04188729450106621},{"text":"I'll see if I can find him.","start":50.445,"end":56.8,"sentiment":"neutral","sentiment_score":0.052099221252969334}],"sentiment":"neutral","sentiment_score":0.0473485755501315,"num_words":16,"start":48.445,"end":56.8},{"sentences":[{"text":"Actually, he just finished, which is perfect.","start":78.66499,"end":80.524994,"sentiment":"positive","sentiment_score":0.4411953091621399},{"text":"Right timing.","start":82.659996,"end":83.399994,"sentiment":"positive","sentiment_score":0.3858514875173569},{"text":"Yep.","start":90.1,"end":90.6,"sentiment":"neutral","sentiment_score":0.09074413776397704},{"text":"Yeah.","start":100.354996,"end":100.674995,"sentiment":"neutral","sentiment_score":0.05009863525629043},{"text":"For 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Paul, are you on it?","start":250.98,"end":252.44,"sentiment":"neutral","sentiment_score":0.01843978480125467},{"text":"The on the email?","start":252.81999,"end":255.64,"sentiment":"neutral","sentiment_score":0.0014153835363686085},{"text":"Only if you wanna follow through.","start":255.94,"end":257.38,"sentiment":"neutral","sentiment_score":0.005745985545217991},{"text":"Otherwise so you're gonna send it through Paul's as well?","start":257.38,"end":261.075,"sentiment":"neutral","sentiment_score":0.028590826503932475}],"sentiment":"neutral","sentiment_score":0.028560804789540945,"num_words":27,"start":243.195,"end":261.075},{"sentences":[{"text":"How did you send it?","start":265.075,"end":266.195,"sentiment":"neutral","sentiment_score":0.03321675658226013},{"text":"What was the email that you sent to Pauls?","start":266.195,"end":268.135,"sentiment":"neutral","sentiment_score":0.010088889549175898},{"text":"Oh, 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system.","start":2030.2001,"end":2034.125,"sentiment":"neutral","sentiment_score":0.2358402655674861},{"text":"So So can I so can I ask something on top of that for what Paul said?","start":2034.125,"end":2039.745,"sentiment":"neutral","sentiment_score":0.206501212409314},{"text":"Say if we do end up selling a commercial property, like, if they still haven't they're they're very close to signing, but they still haven't yet.","start":2040.0449,"end":2047.9401,"sentiment":"neutral","sentiment_score":0.01917886262974487},{"text":"Right?","start":2047.9401,"end":2048.44,"sentiment":"neutral","sentiment_score":0.03310152888298035}],"sentiment":"neutral","sentiment_score":0.1060545691069873,"num_words":85,"start":2014.285,"end":2048.44},{"sentences":[{"text":"So, of course, they're gonna have money left over because, you know, it's pretty significant super and that sort of thing after you're planning to do 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good.","start":2093.2449,"end":2098.625,"sentiment":"neutral","sentiment_score":0.21826942637562752},{"text":"I guess, so I've always found doing it now.","start":2098.6848,"end":2100.54,"sentiment":"neutral","sentiment_score":0.2258012808031506}],"sentiment":"neutral","sentiment_score":0.17968726702607596,"num_words":39,"start":2090.2048,"end":2100.54},{"sentences":[{"text":"When when we if we end up selling See how it's going.","start":2101.58,"end":2105.6602,"sentiment":"neutral","sentiment_score":0.10639290884137154},{"text":"And then we actually and then they settle, we can talk then.","start":2105.74,"end":2109.18,"sentiment":"neutral","sentiment_score":0.09257011239727338},{"text":"But you know what I mean?","start":2109.18,"end":2110.22,"sentiment":"neutral","sentiment_score":0.05174691850940386},{"text":"But that's a great idea.","start":2110.22,"end":2111.26,"sentiment":"positive","sentiment_score":0.5132551789283752},{"text":"It will be something if if that's a, like, a 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I think I just signed it.","start":3291.665,"end":3292.865,"sentiment":"neutral","sentiment_score":0.0184338138039623},{"text":"Can you double check if you've got it back already?","start":3292.865,"end":3294.805,"sentiment":"neutral","sentiment_score":0.004711713036522269},{"text":"Or maybe not.","start":3295.025,"end":3295.665,"sentiment":"neutral","sentiment_score":-0.01093667559325695}],"sentiment":"neutral","sentiment_score":0.0031273916829377413,"num_words":22,"start":3290.63,"end":3295.665},{"sentences":[{"text":"Hang on.","start":3295.665,"end":3296.325,"sentiment":"neutral","sentiment_score":-0.009162331698462367},{"text":"For the same one.","start":3300.625,"end":3301.845,"sentiment":"neutral","sentiment_score":-0.008333067176863551},{"text":"I could see where it says oh, that's why.","start":3301.9849,"end":3303.9849,"sentiment":"neutral","sentiment_score":-0.011587777588930395},{"text":"Hang 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hasn't.","start":3313.4102,"end":3316.21,"sentiment":"neutral","sentiment_score":-0.04111777921207249}],"sentiment":"neutral","sentiment_score":-0.025582252931781114,"num_words":20,"start":3307.33,"end":3316.21},{"sentences":[{"text":"Oh, he's got his own though.","start":3316.21,"end":3317.625,"sentiment":"neutral","sentiment_score":-0.019129415042698383},{"text":"He's got going too.","start":3317.625,"end":3318.665,"sentiment":"neutral","sentiment_score":-0.007403722032904625},{"text":"Is that right?","start":3318.665,"end":3319.495,"sentiment":"neutral","sentiment_score":0.006292513261238734},{"text":"But on the same document, the same email?","start":3334.31,"end":3336.57,"sentiment":"neutral","sentiment_score":-0.00042576424311846495},{"text":"Oh, no.","start":3336.71,"end":3337.11,"sentiment":"neutral","sentiment_score":-0.02772150281816721}],"sentiment":"neutral","sentiment_score":-0.008015780790668467,"num_words":23,"start":3316.21,"end":3337.11},{"sentences":[{"text":"Validate and complete.","start":3337.11,"end":3338.33,"sentiment":"neutral","sentiment_score":0.0021505902210871377},{"text":"So mine has been done.","start":3338.6301,"end":3340.25,"sentiment":"neutral","sentiment_score":-0.0027642883360385895},{"text":"Okay.","start":3340.79,"end":3341.1902,"sentiment":"neutral","sentiment_score":0.011516936123371124},{"text":"Yes.","start":3341.1902,"end":3341.4302,"sentiment":"neutral","sentiment_score":0.014764178544282911},{"text":"So I think mine's done.","start":3341.4302,"end":3342.3901,"sentiment":"neutral","sentiment_score":0.00783137595281005}],"sentiment":"neutral","sentiment_score":0.00387122156098485,"num_words":15,"start":3337.11,"end":3342.3901},{"sentences":[{"text":"So he's he has to do 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I?","start":3556.69,"end":3557.51,"sentiment":"neutral","sentiment_score":0.027068356052041054},{"text":"Yeah.","start":3562.53,"end":3563.03,"sentiment":"neutral","sentiment_score":0.06742336601018906},{"text":"Yep.","start":3576.925,"end":3577.425,"sentiment":"neutral","sentiment_score":0.20674829185009003},{"text":"Yep.","start":3586.445,"end":3586.945,"sentiment":"neutral","sentiment_score":0.13148659467697144},{"text":"Sure.","start":3610.155,"end":3610.655,"sentiment":"neutral","sentiment_score":0.08796819299459457}],"sentiment":"neutral","sentiment_score":0.09129385960598786,"num_words":6,"start":3556.69,"end":3610.655},{"sentences":[{"text":"Yep.","start":3610.795,"end":3611.035,"sentiment":"neutral","sentiment_score":0.07818527519702911},{"text":"Yep.","start":3611.035,"end":3611.355,"sentiment":"neutral","sentiment_score":0.07914062589406967},{"text":"Yep.","start":3611.355,"end":3611.835,"sentiment":"neutral","sentiment_score":0.07035354524850845},{"text":"Oh, under what?","start":3611.835,"end":3612.715,"sentiment":"neutral","sentiment_score":0.028848076860109966},{"text":"500,000?","start":3612.715,"end":3613.775,"sentiment":"neutral","sentiment_score":0.025348227471113205}],"sentiment":"neutral","sentiment_score":0.048510272055864334,"num_words":7,"start":3610.795,"end":3613.775},{"sentences":[{"text":"Oh, okay.","start":3618.3,"end":3620.46,"sentiment":"neutral","sentiment_score":0.0861334502696991},{"text":"So Paul, obviously, we doesn't meet that anyway because he always puts him right up there.","start":3620.46,"end":3624.6199,"sentiment":"neutral","sentiment_score":-0.05925668601412326},{"text":"But does he qualify for the $3.90?","start":3624.6199,"end":3626.6199,"sentiment":"neutral","sentiment_score":-0.006714080593415669},{"text":"And how and how and how would that impact him?","start":3626.6199,"end":3628.96,"sentiment":"neutral","sentiment_score":-0.008379986509680748},{"text":"So yeah.","start":3655.7898,"end":3656.5098,"sentiment":"neutral","sentiment_score":0.16411709040403366}],"sentiment":"neutral","sentiment_score":-0.015632549300789833,"num_words":37,"start":3618.3,"end":3656.5098},{"sentences":[{"text":"That's right.","start":3656.5098,"end":3657.0698,"sentiment":"neutral","sentiment_score":0.322022020816803},{"text":"That that's perfect.","start":3657.0698,"end":3657.97,"sentiment":"positive","sentiment_score":0.5166000326474508},{"text":"But so but then I mean, this is well, I'm talking too about it now, really, but I'm wondering what we do what we do with the rest.","start":3658.2698,"end":3666.2751,"sentiment":"neutral","sentiment_score":-0.00974969203317804},{"text":"I mean, you know you know yeah.","start":3666.2751,"end":3669.8152,"sentiment":"neutral","sentiment_score":0.010447702237537928},{"text":"Wrong.","start":3718.3352,"end":3718.8352,"sentiment":"neutral","sentiment_score":-0.060759417712688446}],"sentiment":"neutral","sentiment_score":0.0471518844048061,"num_words":41,"start":3656.5098,"end":3718.8352},{"sentences":[{"text":"Oh, yep.","start":3732.14,"end":3732.78,"sentiment":"neutral","sentiment_score":0.1649988740682602},{"text":"Yep.","start":3732.78,"end":3733.28,"sentiment":"neutral","sentiment_score":0.22890377044677737},{"text":"Yep.","start":3736.38,"end":3736.88,"sentiment":"neutral","sentiment_score":0.2473956793546677},{"text":"Yes.","start":3738.8599,"end":3739.0999,"sentiment":"neutral","sentiment_score":0.11476241052150726},{"text":"Okay.","start":3739.0999,"end":3739.42,"sentiment":"neutral","sentiment_score":0.11042307317256927}],"sentiment":"neutral","sentiment_score":0.171913780272007,"num_words":6,"start":3732.14,"end":3739.42},{"sentences":[{"text":"Because I have looked at oh, I forget what it was called.","start":3739.42,"end":3741.98,"sentiment":"neutral","sentiment_score":0.08505117831130822},{"text":"I can't even tell you now.","start":3741.98,"end":3743.385,"sentiment":"neutral","sentiment_score":0.11078749348719914},{"text":"It's a really low risk type thing that and it was still saying that, basically, it's about 7.6%, and you get paid every quarter.","start":3743.465,"end":3753.725,"sentiment":"neutral","sentiment_score":0.16744212014600635},{"text":"Oh, it's an Australian one.","start":3757.05,"end":3758.75,"sentiment":"neutral","sentiment_score":0.0223407544195652},{"text":"Well, I mean, you can also look at what you've got me, which is the oh, what's it called?","start":3759.85,"end":3766.09,"sentiment":"neutral","sentiment_score":0.060518824544392134}],"sentiment":"neutral","sentiment_score":0.10553805185764124,"num_words":66,"start":3739.42,"end":3766.09},{"sentences":[{"text":"V Vanguard.","start":3766.09,"end":3767.1501,"sentiment":"neutral","sentiment_score":0.07024998217821121},{"text":"I mean, that's pretty low risk, isn't it?","start":3767.85,"end":3770.09,"sentiment":"neutral","sentiment_score":0.13135698158293962},{"text":"Or or is that yeah.","start":3770.09,"end":3779.2952,"sentiment":"neutral","sentiment_score":0.057382822036743164},{"text":"Yeah.","start":3783.0352,"end":3783.2751,"sentiment":"neutral","sentiment_score":0.12942969799041748},{"text":"Sure.","start":3783.2751,"end":3783.7751,"sentiment":"neutral","sentiment_score":0.17751827836036682}],"sentiment":"neutral","sentiment_score":0.1050128178561435,"num_words":17,"start":3766.09,"end":3783.7751},{"sentences":[{"text":"Okay.","start":3793.02,"end":3793.52,"sentiment":"neutral","sentiment_score":0.05182088539004326},{"text":"Yeah.","start":3796.54,"end":3797.04,"sentiment":"neutral","sentiment_score":0.17735415697097778},{"text":"Look.","start":3797.1,"end":3797.5,"sentiment":"neutral","sentiment_score":0.09487011283636092},{"text":"I forget.","start":3797.5,"end":3798.1401,"sentiment":"neutral","sentiment_score":0.044288117438554764},{"text":"It started with l, but it's Australian.","start":3798.1401,"end":3799.84,"sentiment":"neutral","sentiment_score":0.02081498663340296}],"sentiment":"neutral","sentiment_score":0.04652719137569269,"num_words":12,"start":3793.02,"end":3799.84},{"sentences":[{"text":"Latrobe.","start":3802.665,"end":3803.165,"sentiment":"neutral","sentiment_score":0.026016607880592343},{"text":"Yes.","start":3803.385,"end":3803.885,"sentiment":"neutral","sentiment_score":0.07963266223669052},{"text":"So they're advertising even for twelve months.","start":3804.0251,"end":3806.605,"sentiment":"neutral","sentiment_score":0.07795779194150652},{"text":"I think it's 7.65, and you get paid, I think, monthly.","start":3806.665,"end":3810.665,"sentiment":"neutral","sentiment_score":0.09491077133200386},{"text":"You get the interest monthly if you want, or you can roll it back over into it.","start":3810.665,"end":3814.605,"sentiment":"neutral","sentiment_score":0.08826619671548114}],"sentiment":"neutral","sentiment_score":0.08637561196008244,"num_words":37,"start":3802.665,"end":3814.605},{"sentences":[{"text":"I mean Sure.","start":3814.745,"end":3838.645,"sentiment":"neutral","sentiment_score":0.031223923588792484},{"text":"Yeah.","start":3852.99,"end":3853.31,"sentiment":"neutral","sentiment_score":0.10122914612293243},{"text":"Sure.","start":3853.31,"end":3853.79,"sentiment":"neutral","sentiment_score":0.12186305224895476},{"text":"Yep.","start":3853.79,"end":3854.03,"sentiment":"neutral","sentiment_score":0.12379517406225204},{"text":"Yep.","start":3854.03,"end":3854.27,"sentiment":"neutral","sentiment_score":0.11538425087928772}],"sentiment":"neutral","sentiment_score":0.07942048486854349,"num_words":7,"start":3814.745,"end":3854.27},{"sentences":[{"text":"Yep.","start":3854.27,"end":3854.51,"sentiment":"neutral","sentiment_score":0.11571815609931946},{"text":"No.","start":3854.51,"end":3854.67,"sentiment":"neutral","sentiment_score":0.1422315537929535},{"text":"That's good.","start":3854.67,"end":3855.07,"sentiment":"positive","sentiment_score":0.33895333111286163},{"text":"That's good to know.","start":3855.07,"end":3856.13,"sentiment":"positive","sentiment_score":0.47389116883277893},{"text":"Alright.","start":3856.545,"end":3856.785,"sentiment":"neutral","sentiment_score":0.31158530712127686}],"sentiment":"positive","sentiment_score":0.34922292828559875,"num_words":9,"start":3854.27,"end":3856.785},{"sentences":[{"text":"Well, I'm I'm gonna go across that briefly.","start":3856.785,"end":3858.565,"sentiment":"neutral","sentiment_score":0.14119394775480032},{"text":"I mean, hopefully, if it goes through, if we're here in the next week or so, I I'd almost like to start thinking about what we do, you know, because it'll probably go through six weeks after that.","start":3858.9448,"end":3869.585,"sentiment":"neutral","sentiment_score":0.10841127249755357},{"text":"You know?","start":3869.585,"end":3869.9849,"sentiment":"neutral","sentiment_score":0.06453179754316807},{"text":"So maybe sometime towards the end of the the end of the year.","start":3869.9849,"end":3872.68,"sentiment":"neutral","sentiment_score":0.06632465725907913},{"text":"Because what I think I said you before, if you can write down somewhere that we're gonna I think our capital gains tax is gonna be about 130,000.","start":3872.68,"end":3881.34,"sentiment":"neutral","sentiment_score":0.07816773001104593}],"sentiment":"neutral","sentiment_score":0.09470966872706842,"num_words":89,"start":3856.785,"end":3881.34},{"sentences":[{"text":"So I'd like to invest some money that you we can get growth from and access that, and we don't have pay the 130.","start":3881.56,"end":3888.395,"sentiment":"neutral","sentiment_score":0.21514344946869338},{"text":"Well, we will, but we're not going to like, we hope that we've made a some interest on it, and then we can access it potentially to pay that.","start":3888.395,"end":3897.115,"sentiment":"neutral","sentiment_score":-0.06652240301000661},{"text":"So it's not a full $1.30 we've gotta pay.","start":3897.115,"end":3899.375,"sentiment":"neutral","sentiment_score":-0.018468887855609257},{"text":"Yeah.","start":3900.795,"end":3901.295,"sentiment":"neutral","sentiment_score":0.02188697084784508},{"text":"That's wrong.","start":3908.79,"end":3909.4302,"sentiment":"neutral","sentiment_score":-0.08940844982862473}],"sentiment":"neutral","sentiment_score":0.04478681816074711,"num_words":65,"start":3881.56,"end":3909.4302},{"sentences":[{"text":"Oh, easy.","start":3909.4302,"end":3910.1702,"sentiment":"neutral","sentiment_score":0.05398000869899988},{"text":"Please.","start":3910.71,"end":3911.03,"sentiment":"neutral","sentiment_score":0.062166742980480194},{"text":"Yep.","start":3911.03,"end":3911.53,"sentiment":"neutral","sentiment_score":0.047807931900024414},{"text":"Yep.","start":3926.7751,"end":3927.2751,"sentiment":"neutral","sentiment_score":0.09906564652919768},{"text":"Perfect.","start":3927.735,"end":3928.215,"sentiment":"positive","sentiment_score":0.3362956643104553}],"sentiment":"neutral","sentiment_score":0.10888266718635957,"num_words":6,"start":3909.4302,"end":3928.215},{"sentences":[{"text":"Perfect.","start":3928.215,"end":3928.615,"sentiment":"neutral","sentiment_score":0.279991090297699},{"text":"Where are you off to?","start":3928.615,"end":3929.7551,"sentiment":"neutral","sentiment_score":0.06641466319561004},{"text":"Beautiful.","start":3933.55,"end":3934.05,"sentiment":"positive","sentiment_score":0.7151938676834106},{"text":"Excellent.","start":3934.75,"end":3935.25,"sentiment":"positive","sentiment_score":0.7775042057037354},{"text":"Lovely.","start":3935.55,"end":3936.05,"sentiment":"positive","sentiment_score":0.8078972101211548}],"sentiment":"neutral","sentiment_score":0.32362885442045,"num_words":9,"start":3928.215,"end":3936.05},{"sentences":[{"text":"Actually, I think we did it when our girls were about that age.","start":3939.07,"end":3941.23,"sentiment":"positive","sentiment_score":0.3991404886429126},{"text":"It was so much fun.","start":3941.23,"end":3942.19,"sentiment":"positive","sentiment_score":0.7740576148033143},{"text":"And it's good to do it now because it's all possible diminishing.","start":3942.19,"end":3948.365,"sentiment":"positive","sentiment_score":0.364183538282911},{"text":"Yeah.","start":3948.365,"end":3948.605,"sentiment":"neutral","sentiment_score":0.04007895663380623},{"text":"I was very jealous.","start":3948.605,"end":3949.745,"sentiment":"neutral","sentiment_score":0.13159294798970222}],"sentiment":"positive","sentiment_score":0.39987907526748523,"num_words":35,"start":3939.07,"end":3949.745},{"sentences":[{"text":"Well, how was that, John?","start":3951.3252,"end":3952.705,"sentiment":"neutral","sentiment_score":0.3174966394901276},{"text":"Awesome.","start":3953.5652,"end":3954.0652,"sentiment":"positive","sentiment_score":0.7184861898422241},{"text":"Okay.","start":3962.57,"end":3963.07,"sentiment":"neutral","sentiment_score":0.20998385548591617},{"text":"Thank you.","start":3965.69,"end":3966.41,"sentiment":"neutral","sentiment_score":0.31992223858833313},{"text":"No.","start":3966.41,"end":3966.5298,"sentiment":"neutral","sentiment_score":0.030128784477710724}],"sentiment":"neutral","sentiment_score":0.31859265044331553,"num_words":10,"start":3951.3252,"end":3966.5298},{"sentences":[{"text":"I appreciate it.","start":3966.5298,"end":3967.21,"sentiment":"neutral","sentiment_score":0.2566971282164256},{"text":"Thanks, Heath.","start":3967.21,"end":3968.03,"sentiment":"positive","sentiment_score":0.35238587856292725},{"text":"Okay.","start":3969.315,"end":3969.715,"sentiment":"neutral","sentiment_score":0.18738356232643127},{"text":"Thank you.","start":3969.715,"end":3970.115,"sentiment":"neutral","sentiment_score":0.2921310216188431},{"text":"Bye bye.","start":3970.115,"end":3970.775,"sentiment":"neutral","sentiment_score":0.16408349573612213}],"sentiment":"neutral","sentiment_score":0.25746757388114927,"num_words":10,"start":3966.5298,"end":3970.775},{"sentences":[{"text":"Bye.","start":3971.2349,"end":3971.7349,"sentiment":"neutral","sentiment_score":-0.025940386578440663}],"sentiment":"neutral","sentiment_score":-0.025940386578440663,"num_words":1,"start":3971.2349,"end":3971.7349}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Kath. It's Dana from OQ Financial. How are you this afternoon?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. I had yourself and Paul booked in to go through your updated advice document. Is now still a good time for you both?\n\nChannel 1: Not\n\nChannel 0: Yeah.\n\nChannel 1: It will be, I'm sure. Paul's mowing the lawn. Don't wanna stop him because it's gonna rain tomorrow.\n\nChannel 0: Oh,\n\nChannel 1: That sounds\n\nChannel 0: okay.\n\nChannel 1: so bad. But I guess can you go through some of it with me, and then I'll get him for any important stuff for him?\n\nChannel 0: Yeah. Yeah. If you like, that's not a problem at all. Easy\n\nChannel 1: Or do\n\nChannel 0: done.\n\nChannel 1: or would you rather go to this all the time?\n\nChannel 0: It is easier with you both because I'm going through both of your details. But if you like, I can take you through your section and run him through his. That's not a problem. I can make that work for you.\n\nChannel 1: Okay. Yeah. Well, hang on. I'll just one second. I'll see if I can find\n\nChannel 0: Yeah. Yeah. You're right. That's okay.\n\nChannel 1: him. Actually, he just finished, which is perfect.\n\nChannel 0: Fantastic. All good.\n\nChannel 1: Right timing.\n\nChannel 0: Fantastic. Look, Catherine, I'm just gonna send this document through to you so it's in both of your emails there. I'm just pressing\n\nChannel 1: Yep.\n\nChannel 0: send on that now. Just before we jump into the call and go through things, I do have to let you know, as normal, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?\n\nChannel 1: Yeah. For sure. He's coming in about two seconds.\n\nChannel 0: Easy. Not a problem at all. I'll just do a quick security check with yourself just to confirm\n\nChannel 1: Yeah.\n\nChannel 0: your full name, your date of birth, and address there for me, Kath.\n\nChannel 1: Okay. Catherine Ann Woods.\n\nChannel 0: Yep.\n\nChannel 1: 16th To 2nd 71. 76\n\nChannel 0: Yep.\n\nChannel 1: Kings Street, Wynnew, New South Wales 2517.\n\nChannel 0: Beautiful. Thank you so much for that. Lovely. Now I've sent that email through with the documents there. If you're able to able to open it up, it's\n\nChannel 1: Yes.\n\nChannel 0: just easier\n\nChannel 1: For sure.\n\nChannel 0: that you guys are looking at it with me, so it doesn't\n\nChannel 1: Yep.\n\nChannel 0: feel like I'm talking at you at all. Easy.\n\nChannel 1: Alright. That's okay. I'll have a look. Yep. Yep.\n\nYep.\n\nChannel 0: Fantastic.\n\nChannel 1: Hang on.\n\nChannel 0: How's your week been?\n\nChannel 1: Yeah. Good, actually. Good. Good. Yeah.\n\nI've\n\nChannel 0: Oh,\n\nChannel 1: got\n\nChannel 0: that's\n\nChannel 1: it right\n\nChannel 0: really\n\nChannel 1: here.\n\nChannel 0: good. Fantastic.\n\nChannel 1: Yep. Yep. Yep. Yep. Hang on a second.\n\nSo there's two. There's one for me on the portal. Is that right?\n\nChannel 0: Yeah.\n\nChannel 1: No?\n\nChannel 0: They're both the exact same document, but you do have an email separately because we will get you both to sign it in order\n\nChannel 1: Sign\n\nChannel 0: to implement\n\nChannel 1: it.\n\nChannel 0: the advice. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: But we'll\n\nChannel 1: For\n\nChannel 0: go\n\nChannel 1: sure.\n\nChannel 0: through it first up. Yeah.\n\nChannel 1: Yeah. No worries. Yeah. It's just\n\nChannel 0: Excellent.\n\nChannel 1: opening now. Hang on.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: Alright. Okay. Yes. I'm here. Paul is just just taking his boots off and all that.\n\nChannel 0: Oh, that's okay. Not a problem at all. I can start running through things with\n\nChannel 1: Okay.\n\nChannel 0: you if you\n\nChannel 1: Perfect.\n\nChannel 0: like. And if you just let\n\nChannel 1: Yep.\n\nChannel 0: me know when Paul's\n\nChannel 1: Yep.\n\nChannel 0: there,\n\nChannel 1: For sure.\n\nChannel 0: I'll jump in\n\nChannel 1: Do you want\n\nChannel 0: and\n\nChannel 1: us to\n\nChannel 0: make\n\nChannel 1: wait, Paul?\n\nChannel 0: sure\n\nChannel 1: Are you\n\nChannel 0: I'll\n\nChannel 1: good? So\n\nChannel 0: say\n\nChannel 1: I have to\n\nChannel 0: hi.\n\nChannel 1: start?\n\nChannel 0: Yeah. All good.\n\nChannel 1: Okay.\n\nChannel 0: Fantastic.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: on the front of the document there, you'll see statement of advice prepared for yourself, Paul and Catherine Woods, as of the 09/08/2026. All\n\nChannel 1: Yep.\n\nChannel 0: of our advice is valid for sixty days, so you can take this back and have a good read through it prior to accepting the advice and signing it.\n\nChannel 1: Yep. Yep.\n\nChannel 0: On the bottom there, it has it prepared by myself and my lovely team here at Oakview Financial, and my license license registration number is 1304394.\n\nChannel 1: Yep.\n\nChannel 0: Okay? Excellent. The next page, if you keep scrolling down, it's your best interest, Judy. So this is just letting you know that as licensed advisers, we do have a fiduciary duty to look after you to make sure that we are providing advice that is there to meet your goals. And we go through the process we do of making sure we understand your goals, making further and correct inquiries into your circumstances to be able to understand what they are and providing a financial advice to help you to meet those goals there.\n\nSo\n\nChannel 1: Sure.\n\nChannel 0: we do definitely adhere to that. If you scroll past the next page, which is your table of content.\n\nChannel 1: Sam, Paul, are you on it? The on the email? Only if you wanna follow through. Otherwise so you're gonna send it through Paul's as well?\n\nChannel 0: Yeah. Yeah. You should definitely have one each there. Yep.\n\nChannel 1: How did you send it? What was the email that you sent to Pauls?\n\nChannel 0: So Paul's email that I have on file I'm pretty sure we use the same email for both of you. It's paulcath1@bigpond.com.\n\nChannel 1: Oh, okay. I have it. Do you want It's alright. Just you do it. Oh, he was we can both bring along with it.\n\nYeah. It\n\nChannel 0: Yeah. There should\n\nChannel 1: Oh, he\n\nChannel 0: be\n\nChannel 1: don't\n\nChannel 0: two\n\nChannel 1: mind.\n\nChannel 0: invites\n\nChannel 1: He's efficient.\n\nChannel 0: in the same email there. There should be one for\n\nChannel 1: Yep.\n\nChannel 0: each of you, but that'll\n\nChannel 1: No.\n\nChannel 0: be\n\nChannel 1: Perfect.\n\nChannel 0: okay. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Excellent.\n\nChannel 1: Yep.\n\nChannel 0: Hi, Paul. How are you?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm good. Thank you. How's your week been?\n\nChannel 1: Oh, not too bad so far. Thank you.\n\nChannel 0: Well, that's really good. We're sitting here on page number three at the moment, which is essentially just outlining the areas of the scope that we are and are not looking at advice. So, essentially, this is just looking at your super at the moment. So jointly, you've had a goal of being able to retire when you reach ten sixty, if not earlier, and hopefully draw an income of around about $1,000 per week in today's dollars to support your lifestyle throughout retirement. You both wanted to retain that balanced growth environment for now, and we're just looking at updating your portfolio, removing those underperforming investments, and looking at how we can make things work a bit harder.\n\nAnd then we talked about meeting again in March next year just after Christmas to sort of talk about moving a bit more conservative or maybe updating things a little bit further for you both. Does that still sound accurate and appropriate?\n\nChannel 1: Yes. Thanks. Thank\n\nChannel 0: Yep. Beautiful. I've also scoped in your state planning to extent as well. So, Paul, we can see that you've got beneficiaries on file, which is fantastic. But, Kath, we have noted that your beneficiaries aren't applied, so we wanna make sure they are\n\nChannel 1: you.\n\nChannel 0: applied and reflective so that at the moment, if anything happens, everything goes to you know, from Paul's sleep, it goes\n\nChannel 1: Oh,\n\nChannel 0: to you, and that's fantastic. But at the other\n\nChannel 1: but it's\n\nChannel 0: way around,\n\nChannel 1: yeah.\n\nChannel 0: we need to make sure that's reflective for you. So we'll get your beneficiaries\n\nChannel 1: You're\n\nChannel 0: applied\n\nChannel 1: gonna\n\nChannel 0: and\n\nChannel 1: do\n\nChannel 0: updated\n\nChannel 1: that. You know?\n\nChannel 0: on all\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: do.\n\nChannel 0: super funds.\n\nChannel 1: You must have done it. I sent that\n\nChannel 0: It's\n\nChannel 1: up last time.\n\nChannel 0: it's alright. I'll go back and double check it. I can just see it's not really applied. I'll find out\n\nChannel 1: Okay.\n\nChannel 0: why, and we'll make\n\nChannel 1: Okay.\n\nChannel 0: sure that we have that fixed up and reflective\n\nChannel 1: You're\n\nChannel 0: for\n\nChannel 1: up.\n\nChannel 0: you because\n\nChannel 1: That's fine.\n\nChannel 0: I wouldn't want\n\nChannel 1: Yep.\n\nChannel 0: anything to\n\nChannel 1: 100?\n\nChannel 0: happen and have it all\n\nChannel 1: Yep.\n\nChannel 0: go wrong for you.\n\nChannel 1: Yep. For\n\nChannel 0: Yeah.\n\nChannel 1: sure. Yep. Yep. Yep.\n\nChannel 0: Absolutely. All good.\n\nChannel 1: Okay. Can you\n\nChannel 0: And\n\nChannel 1: send me that form now then?\n\nChannel 0: yeah.\n\nChannel 1: And then\n\nChannel 0: Yeah.\n\nChannel 1: I'll I'll print it, sign it, and send it off.\n\nChannel 0: Yeah. Absolutely. Not a problem at all.\n\nChannel 1: Okay.\n\nChannel 0: I'll just get my team member to do that. I'm just gonna Teams her real quick.\n\nChannel 1: Yep. That is new. Yeah. It is new.\n\nChannel 0: Perfect. So I just quickly confirmed that with my colleague. They're gonna get that sorted for you. Yeah. And you're happy for us to pre fill that with Paul's details to make it easier for you?\n\nChannel 1: Please. Yes. Thank you.\n\nChannel 0: Yep. Easy. Not a problem at all. It's alright. I sit next to my admin team member, and she was, like, on the ball.\n\nChannel 1: Oh,\n\nChannel 0: It's\n\nChannel 1: that's\n\nChannel 0: all fine.\n\nChannel 1: good.\n\nChannel 0: Excellent. On page number four, we've got a limited scope there. So, with that, it's just about looking at the insurance side of things. So, essentially, we're not making a recommendation to alter your insurances there, Catherine, but we are looking to keep those insurances in place. The\n\nChannel 1: Yep.\n\nChannel 0: reason I limited scope them in is so that they can be accounted for as part of your projections because these insurances are paid for from super. We\n\nChannel 1: Sure.\n\nChannel 0: do know that it has a long term effect on retirement. So we essentially, whilst not making any new changes or recommendations, we just like to scope it in so that we can have that reflective of the rest of the advice. Okay?\n\nChannel 1: So what is what do you think that is in the difference?\n\nChannel 0: Oh, I can\n\nChannel 1: Yep.\n\nChannel 0: show you. I've got the projected to show you. That's easy. Yep.\n\nChannel 1: So, Paul, you know how\n\nChannel 0: On\n\nChannel 1: with my sorry. I'll just explain\n\nChannel 0: yeah. That's okay.\n\nChannel 1: they kept my NDS super Yeah. And they transfer so much over because my daughter's insurance is included. Yep. Yeah. Yep.\n\nYep. Yep. Sorry.\n\nChannel 0: No. You're absolutely fine. And then on pages five and six, we've got areas that we're not looking for advice at the moment. The areas are on cash flow and budgeting. Paul's insurance is because he doesn't have any, but he has a really great super balance, which covers majority of you know, basically, it covers all your debts in the event that something was to happen.\n\nAnd then, obviously, the\n\nChannel 1: Yeah.\n\nChannel 0: investment and the investment properties and personal investments there. But we can always come back and look at these additional areas down the track. One of the things we talked about was just because, you know, your supers hadn't performed as much as we'd like that then along the investment was down this year, so we wanted to try to get the advice updated, get the super working a bit harder, and replace those underperforming investment straight away, and then come back and look at other advice down the track. Does that still sound appropriate to you both? Is there any changes or anything that should be different in that area?\n\nChannel 1: No. I think that's right. This is fine. Yep.\n\nChannel 0: Yep. Yep. Perfect. I'm gonna skip a couple of pages now because you do get to go back and have a good look at and review everything afterwards. But just to kinda jump into the recommendations and go through things with you, if you can scroll down to page number 13 there for me, and this is starting for yourself, Paul.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So, essentially, I did have a look at your super funds as a whole, both of them. Essentially, I am recommending you do stay within hub twenty four. Essentially, when I sort of go back and look at the research, I look at Hub twenty four as a platform, but also all the other platforms out there. I look at sorry.\n\nAll the investments that you have within the platform, you guys are both balanced growth investors. So it has that seventy thirty split between growth and defensive investments as we kinda went through. Essentially, if I had a looked at and, realistically, we did assess it, but, technically, decided not to go that way. But for yourself, Paul, if we had have looked at, say, selling all of your investments down and moving you to a new platform, the full sell down would have meant your super fund had a tax liability of 7,000 oh, sorry. $17,252.20.\n\nChannel 1: Hello?\n\nChannel 0: So remember last time we talked about when we're looking at switching investments, your super fund, like you, does a tax return. It pays income tax and capital gains tax.\n\nChannel 1: Yeah.\n\nChannel 0: So part of what I did to go back and review everything was to look at the tax consequences and what that might look like for you for your super fund. And, essentially, because, you know, as much as you got a really great balance, you've had a lot of growth in there as well even though the performance hasn't been where we sorta like it to be for the year. So if we had a sold down everything and moved you to another fund, yeah, it would have essentially meant there would have been capital gains to your fund of over $17,252. So I discounted that and didn't go that way and then looked at other ways to alter your portfolio for you so that you could retain hub twenty four, still switch the investments out and have them working a bit harder for you and also save on fees. Okay?\n\nChannel 1: Yep. Yep. Thank you.\n\nChannel 0: Excellent. That's okay. If you go down to page number 17 for me, this is your fee comparison table which outlines essentially the recommendations and a lot of the reasoning behind why I've recommended this for you.\n\nChannel 1: Yep.\n\nChannel 0: Beautiful. So, essentially, at the moment within the hub twenty four, you've got your current balance at the 951,054. You've also got your administration fees, investment fees, any other fees applicable, your ongoing service fee and contributions in there as well. Those contributions are net, so after the taxes have been taken out inside the super system. Within your hub twenty four, you're in that balance growth environment currently.\n\nAnd when we kind of look at how these investments have performed over the past five years, it's averaged about 7.57%. So while it's not bad, it's not exactly where you'd sort of want it to be. Realistically, a balanced growth environment, you're looking to get between six to 8% on a yearly basis and compounding that forward. This does hit that, but Benelon has been holding it down. And, realistically, we wanna get the best out of our super.\n\nJust because you can get a six to 8% return doesn't mean you want don't want more. We wanna make sure we're getting the best out of our super no matter what portfolio we're in.\n\nChannel 1: Yep.\n\nChannel 0: So what I am recommending for you is, as for the next column, we retain HUB 24. Essentially, we are gonna switch the investments within that, and we understand, as as I mentioned, I wanted to reduce that tax consequence as much as possible. And you'll see in the differences column there, in order to make the switch, and I'll show you what that looks like in a second, but the estimated tax consequence for your super fund is only $689. So it's much better than 17,000, and it still allows us to alter the portfolio for you as well. Does that make sense?\n\nAnd do you have any questions so far?\n\nChannel 1: No. So that's by\n\nChannel 0: No?\n\nChannel 1: getting rid of Ben Long and buying other things. Is that correct?\n\nChannel 0: Yep. Yeah.\n\nChannel 1: Investing\n\nChannel 0: Yeah.\n\nChannel 1: in other\n\nChannel 0: Abs\n\nChannel 1: things.\n\nChannel 0: absolutely. Yeah. Definitely. Now underneath that, you'll also then see your admin fees don't change because they're not changing the platform, but your investment fees do. So this newer the changes I'm making to your portfolio actually reduce your investment fees.\n\nIt's expected to save you $1,303 for the first year in investment fees, which is great. That's more money or less money that you're paying out to suit\n\nChannel 1: Yes.\n\nChannel 0: for fees and more money that stays invested in your super for you. And that investment fee reduction actually outweighs the CDT. So it covers the cost of the capital gains for the inspection of investments and provides\n\nChannel 1: Yes.\n\nChannel 0: you with a further discount there, which is good. That's what we wanted to see.\n\nChannel 1: Yep.\n\nChannel 0: Okay? The newer portfolio, it still keeps you in that balanced growth environment, that seventy thirty split, but the newer portfolio has averaged about 8.53% on a yearly basis. So it has the potential to do a lot more. And if you look at the table below, which is the projection table over the next four to five years, this newer portfolio, taking into account all the above in that, projection table, it essentially shows it can put you in a much greater position over the next four to five years, which is what we'd like to see happen to your super. Okay.\n\nChannel 1: Yeah. See that? Yep. Mhmm.\n\nChannel 0: Yeah. Now to show you what that looks like, if you go down to page 19 there for me, Paul, you'll see the changes that we are gonna make to your super fund. Can you see the investment table there?\n\nChannel 1: Yeah. My\n\nChannel 0: Yeah.\n\nChannel 1: glasses are oh, I'm sorry. My glasses get on on laptop.\n\nChannel 0: That's okay. Did you wanna grab your glasses, or did you need to do\n\nChannel 1: I've\n\nChannel 0: anything?\n\nChannel 1: got them\n\nChannel 0: I'm\n\nChannel 1: on.\n\nChannel 0: happy to hold\n\nChannel 1: Like\n\nChannel 0: for you. You got\n\nChannel 1: no.\n\nChannel 0: them?\n\nChannel 1: That's all. I can I can see it now? It is me. Take\n\nChannel 0: Okay.\n\nChannel 1: your notes.\n\nChannel 0: That's alright. I'll go through it easily. Essentially, what we're gonna look at doing is I've tried to, as I mentioned, reduce the CGT as much as possible, making sure things work as hard as they can for you. So just making some slight alterations to your portfolio to remove any underperforming investments there. Essentially, the Ben along Australian Equities is the top investment.\n\nWe are gonna remove that wholly from your portfolio, so that is sold down to zero and removed there. The\n\nChannel 1: Yes.\n\nChannel 0: ClearBridge infrastructure fund, that is looking at infrastructure and commercial property that has done really well. It does still see growth, and it is an integral part of having a diversified portfolio. So you hold about 6% at the moment. We wanna hold 7% there. So it does mean just buying a little bit more and rebalancing your portfolio back as well.\n\nOkay.\n\nChannel 1: Yep. Yep.\n\nChannel 0: We've also got the Global x battery and lithium tech. Essentially, that has done quite well this year. We have seen a lot of ups and downs. This is more of a thematic. It's called a theme DTF where it is focusing on a specialized area within the investment spectrum.\n\nHaving this, it does get really good growth, and the idea is you wanna see great growth in tech and battery and lithium is still seeing some good growth in areas. So we wanna hold about 7% of that investment. You're a bit overweighted at the moment, which means you have seen some good growth in that area. So we just wanna sell that down a little bit and reweight your portfolio.\n\nChannel 1: Yep.\n\nChannel 0: Okay? You've also got the BetaShares Bank hybrids. Now these are being phased out down the track, so we opted to remove them now whilst we are making some changes to your portfolio best to make as many changes as possible to limit having to make more changes down the track\n\nChannel 1: Oh, sorry.\n\nChannel 0: unless\n\nChannel 1: That's\n\nChannel 0: we\n\nChannel 1: the\n\nChannel 0: have\n\nChannel 1: BETA\n\nChannel 0: to.\n\nChannel 1: shares, the b e t\n\nChannel 0: Yeah.\n\nChannel 1: a. So\n\nChannel 0: Yep.\n\nChannel 1: okay. Yep.\n\nChannel 0: Yep. It's got the ticket code, the API code BHYB. Can you see that one there?\n\nChannel 1: Three page oh, the top one. 100And20001, the red one. That's right. That's it.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Yep. It's 1234 from the top of the page there. Yeah.\n\nChannel 1: So you're getting rid of that. Yeah.\n\nChannel 0: We're removing that. Yeah. It is gonna be phased out, so we are best to look at removing that completely and replacing that.\n\nChannel 1: Yep.\n\nChannel 0: Now they bank hybrids are more of a complex investment type, but, essentially, they are a defensive investment. They are seen as lower risk. They tend to expect a lower rate of return, but they're very much income producing. So we are gonna remove that now rather than waiting till we have to down the track and sort of replace that in your portfolio currently. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: You have some Global x Physical Gold. Physical Gold has done really well. You're a bit overweight in your portfolio at the moment. You're holding a bit over 10%. We only really wanna hold 7%.\n\nSo whilst we are removing some of the investors that haven't been performing and new portfolio, the other important thing to do is to rebalance the investments that we wanna keep in there. Essentially, when you are recommended if originally you recommended 10% in every investment and say some investments went up to 12%, others went down to 9%, it's important to reweight them and sell some of the investments that have gone up and buy into the ones that have gone down a little bit. That helps to rebalance your portfolio and reweight your risk profiling. You guys are very much in the middle and don't like to take on a lot of risks. So, essentially, if we don't rebalance the portfolio and we just let it outweight, some of the investments have performed better than others, but it means that you could have more risk in your portfolio than what you're comfortable taking or less than you're comfortable taking, and that also affects your returns as well.\n\nSo rebalancing your portfolio every so often is just as important, and that's part of what we wanted to do here as well for you. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: can\n\nChannel 0: with\n\nChannel 1: I\n\nChannel 0: the\n\nChannel 1: just\n\nChannel 0: physical\n\nChannel 1: ask you that question?\n\nChannel 0: sure.\n\nChannel 1: You\n\nChannel 0: Absolutely.\n\nChannel 1: said sometimes you buy into things that aren't going as well.\n\nChannel 0: Yes.\n\nChannel 1: So why would you do that then?\n\nChannel 0: Because it's always good to it's always good to buy low. So when investments are still\n\nChannel 1: Oh,\n\nChannel 0: quality\n\nChannel 1: yeah. True.\n\nChannel 0: investments, they might see having a dip because of global markets or something happening globally.\n\nChannel 1: Still.\n\nChannel 0: Taking advantage of the downtime is really important. They always say buy into the dip. So buy low,\n\nChannel 1: Perfect.\n\nChannel 0: sell high.\n\nChannel 1: Yep.\n\nChannel 0: In all honesty, that can be some of the hardest things for people to do because when we see things going down, we don't see performance as well. It can make us really nervous. So what\n\nChannel 1: Yep.\n\nChannel 0: we like to do and what we've done with Bannalong is assess whether that investment is down because of just the downtime or whether the investment is actually worth getting rid of. We\n\nChannel 1: Yep.\n\nChannel 0: did that. It is not worth keeping the Bannalong, but other investments have just seen a bit of a downtime, but they are still worth keeping. And one of those is, like, the battery and lithium tech you can see there. That has had its ups and downs. You're\n\nChannel 1: Yes.\n\nChannel 0: overweighting that at the moment, but this year, it did have a little bit of a downtime as well. We are still keeping that in the portfolio even though it went\n\nChannel 1: Yes.\n\nChannel 0: through that and down because it is still a quality investment. It is still a good place to be invested. And when some investments are down, buying in at that time means that you buy into the discounted you buy into the discounted purchase price. As an example, I like to use if you had invested a $100 in CBA one day, and you bought you know, that share was worth a $100, you would buy one share. If that investment went down to $50 the next week and you put a $100 in, you'll get two units of that same investment.\n\nIf it then\n\nChannel 1: Yes.\n\nChannel 0: went up to a $120, you would buy not even a whole of the following week. So the idea is to keep investing through the ups and downs. And\n\nChannel 1: Yes.\n\nChannel 0: when the market is down, when the investments aren't performing as well, you buy into the discounted unit pricing, which means you end up buying more units over time, and it helps to eliminate market risk as well as much as possible because you're taking advantage of the downtime. You're just investing in over time, and that can provide greater returns when you think about it. That can actually help your portfolio grow over the, you know, next five, ten, twenty years. You end up buying more units. You take advantage of the downtime, and you see a lot more growth as the market recovers\n\nChannel 1: Yep.\n\nChannel 0: as well. So\n\nChannel 1: Right.\n\nChannel 0: does that\n\nChannel 1: So\n\nChannel 0: make\n\nChannel 1: you think\n\nChannel 0: sense?\n\nChannel 1: yes.\n\nChannel 0: Yeah.\n\nChannel 1: So you think that these are gonna come back up, obviously, or you wouldn't invest in it?\n\nChannel 0: Yeah. Correct. Absolutely.\n\nChannel 1: Yes.\n\nChannel 0: Absolutely. It's\n\nChannel 1: Okay.\n\nChannel 0: also\n\nChannel 1: Perfect.\n\nChannel 0: good to sort of look at where these investments have come from. So the other thing I like to look at is what kind of downtimes the investments have been through. Most of these investments have been through, downtimes like the GFC and COVID. They've gone through that. They've come back and they've stayed.\n\nPeople have continued to invest into them. So they are good quality investments. They've been around for a really long time, and they can withstand that market volatility, which is important as well. I wouldn't\n\nChannel 1: Yes.\n\nChannel 0: wanna invest you in anything which has only been around for one or two years\n\nChannel 1: No.\n\nChannel 0: where it doesn't have that history of or it doesn't have that history or longevity of investment time horizon, and it doesn't show that it's been through the ups and downs the market can provide to you. So that's why these sorts of investments are good quality and worth investing in, essentially.\n\nChannel 1: Yes. Yeah.\n\nChannel 0: Yeah. All good. Does that answer your question? If it doesn't, please\n\nChannel 1: Sure.\n\nChannel 0: tell me.\n\nChannel 1: No. It does. It does.\n\nChannel 0: Yeah. Excellent.\n\nChannel 1: Thanks.\n\nChannel 0: Excellent. That's okay. It's all good. So we're just gonna sell a little bit of your physical gold off. We are gonna cement that, cement the growth you've had there, and redistribute that across your portfolio.\n\nOne of the things I like to sort of point out is that physical gold is a growth investment. It does see growth, but there's no income production that comes from that. So in order to take advantage of the growth that you get from physical gold, you do have to sell some of the growth and distribute the redistribute the funds throughout the portfolio to help with the compounding effect as well. Okay?\n\nChannel 1: So can I ask then, if\n\nChannel 0: Absolutely.\n\nChannel 1: you say so if you invest in shares, you actually\n\nChannel 0: Mhmm.\n\nChannel 1: got a dividend that goes back into the portfolio too? Is that\n\nChannel 0: That's correct.\n\nChannel 1: correct?\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Well, that's interesting. That's why\n\nChannel 0: Yep.\n\nChannel 1: I understand because gold just goes. It's like a real\n\nChannel 0: Yes.\n\nChannel 1: estate. It just shows up.\n\nChannel 0: That's\n\nChannel 1: Yeah. I know\n\nChannel 0: that's\n\nChannel 1: what you're saying.\n\nChannel 0: exactly right. Yes. So what we wanna look at and what we look at is exchange traded funds or ETFs and managed funds that pay dividends. Those\n\nChannel 1: Yeah.\n\nChannel 0: dividends are paid into your cash account, and then they are back into your portfolio. And that helps with compounding. Yeah.\n\nChannel 1: Yes. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Jeez. Yeah. Wow. Interesting.\n\nChannel 0: Yeah. Absolutely. The next one under there is your core composite bond. So because we are removing the bank hybrids from the portfolio, we're gonna reinvest and keep some defensive assets. Your core composite bonds provide that.\n\nWe wanna hold 30% because that's sort of, you know, 30% defensive, 70% growth within that balance growth asset allocation there. So core composite bonds, think of them like term deposits. You're putting your money into the bond. It is paying income payments out every, you know, month, quarter, every biannually depending on the bonds within the fund there, and that money is being distributed and reinvested back into your portfolio. This gives you access and exposure to government as well as corporate bonds.\n\nIt also does provide you some international exposure to bank notes and things like that. So it is very much defensive in nature, is expected to get a lower rate of return, but we want this for cash producing. We want income to be produced out of this investment so we can assist with the compounding and provide growth that way for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. Underneath that, you've got the S and P 500. So this is giving you exposure to the top 500 companies on The US market. Fun fact, the S and P 500 can basically encompass anywhere from 500 to 520 different companies, and you are tracking the top 500 also companies on The US market there.\n\nOne of the things I do like about these sorts of investments are they are they're always tracking the top 500 companies. Essentially, it follows the S and P 500 index, and the maker of the indices actually meets every quarter, and they reassess which companies are eligible to be within that indices. If at any point a company no no longer meets the criteria to be in the indices, they are removed out of there, and then all the investments that track the indices follow suit. They remove those investments and replace them with anything that has been put back into the s P 500. So you're always tracking that S and P 500, the top 500 companies in The US, and it is a more of a passive investment, which is great.\n\nAt the moment, it has done really well as much as there's been a lot of up and down within The US. These sorts of investments have done really well still. You've got about 29% in your portfolio currently. We only wanna hold about 25% currently, so we are just gonna rebalance it back a little bit, sell some of the investment, and rewrite you back to 25% there. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: And then the last two investments are the BetaShares Raffi Aussie two hundred and the BetaShares Australia two hundred. This is giving you exposure to essentially, between the two, the top 200 companies within the Australian market. The Raffy also gives you some exposure to big cap stocks as well. Essentially, between the two, we wanna hold 12% of each investment. You currently do have the Raffy, so we're just going to reweight that and sell a small portion and buy into the a 200 there.\n\nA lot of people look at these. They do invest in different companies. You're not doubling up by having both of these investments. It's actually giving you actually giving you greater exposure and diversification and providing a lot more exposure into Australian equities, which is what we wanna see as well. So you'll hold about 24% of Australian equities in the portfolio as well.\n\nAnd these two investments are quite passive. They are low cost, but they do give you really good exposure. And the Australian market as a whole still has provided really good returns. Essentially, by removing Van Alung, keeping the Raffy, and then also including the a 200 in this investment, you're actually providing yourself with greater diversification, which helps to mitigate long term market risk sorry, long term market risk and also helps to provide really good returns and a good exposure to a good class of good quality companies on the Australian market as well. Does\n\nChannel 1: Yeah.\n\nChannel 0: that make sense? Do you have any questions in relation to any of that?\n\nChannel 1: No. All good. Thanks.\n\nChannel 0: Yeah. Beautiful. So that's essentially changes to your portfolio. It's just utilizing a lot of what we had, replacing the things we needed to, and making sure to rebalance for you as well. Just making those simple changes there essentially means that we are expected to save on investment fees, save about $1,303 there.\n\nAnd to make those changes, as I mentioned, the CDT costs are only expected to be $689 as well. So this has provided greater past performance. It's a lower cost portfolio for you, and it's also had greater past performance, which we can if we get the same market conditions, provide a greater future performance there as well. I do wanna\n\nChannel 1: Yes.\n\nChannel 0: make sure we review these investments with you regularly to make sure they are working. And if anything else needs to be moved out the portfolio, we make sure that we do that for you as well. Okay.\n\nChannel 1: Alright. Can I just ask a question? I think\n\nChannel 0: Absolutely.\n\nChannel 1: I spoke to your last week or something.\n\nChannel 0: Yeah.\n\nChannel 1: If I hope I think she passed it on to you. If we didn't have the Benelon, just even\n\nChannel 0: Mhmm.\n\nChannel 1: just Benelon, what would and say it was even some shares that even made a neutral, not negative. So Benelon made negative, is it? Like, it went\n\nChannel 0: Yes.\n\nChannel 1: down. So\n\nChannel 0: Yes.\n\nChannel 1: even that was Ben Long and just whatever those amount was invested\n\nChannel 0: Mhmm.\n\nChannel 1: in even just neutral and got\n\nChannel 0: Yep.\n\nChannel 1: 0%, you know, not\n\nChannel 0: Yes.\n\nChannel 1: not negative, not positive. What percentage\n\nChannel 0: Mhmm.\n\nChannel 1: would we have made? Because when he told us it was about seven point something percent last a few weeks ago, we thought, I mean, that's pretty good, but I was speaking to people that said, oh, this got over 10%, like, last year.\n\nChannel 0: Yeah.\n\nChannel 1: And I thought,\n\nChannel 0: Yeah.\n\nChannel 1: well, you know, so what would we have did you get did he ask you about that?\n\nChannel 0: She didn't. But in all honesty, it's very hard to kinda go back and assess because we'd have to go back and look at the whole year, how the returns have gone, look at your funds going in. It's kinda hard to sort of assume what you would have made without the Benelon going down. It definitely would have been a higher return than what you received with Benelon having taken a bit of a dip there. But when it kinda comes to other people making a 10%, this year has been very volatile, and some investments have performed well, some haven't performed well.\n\nMajority of super funds out there are only within your sort of age within your range, have only\n\nChannel 1: Yes.\n\nChannel 0: performed and provided around about a six to 8% return in all honesty.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: So without knowing when someone else does have got a 10% return, it's about understanding\n\nChannel 1: Yeah.\n\nChannel 0: what that return is, whether it is a gross or net return, when their contributions are going in, how much their contributions are, what their balance is, what they're\n\nChannel 1: Yeah.\n\nChannel 0: invested in, their risk profile. So there's a lot more to sorta consider there. I definitely know you would have made a much greater return than what your portfolio did, but I'm not able to kinda go back and assume\n\nChannel 1: Yeah.\n\nChannel 0: what you would have got\n\nChannel 1: Sure.\n\nChannel 0: if Bennelong hadn't been in there\n\nChannel 1: Yep.\n\nChannel 0: just because\n\nChannel 1: That's\n\nChannel 0: it's\n\nChannel 1: fine.\n\nChannel 0: not accurate enough for you. But\n\nChannel 1: Yep.\n\nChannel 0: I can safely tell you it would have been much greater than that, and that's why I wanna make sure we definitely touch base again in about six months, around about March so we can assess your goals, but also check with how this\n\nChannel 1: Oh, yeah.\n\nChannel 0: is performing\n\nChannel 1: Cool.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: see what you're sort of tracking for moving forward to make sure things work a little bit harder for you both. Is that okay? I'm so sorry\n\nChannel 1: Yes.\n\nChannel 0: I couldn't\n\nChannel 1: Sure.\n\nChannel 0: give you the\n\nChannel 1: Yeah.\n\nChannel 0: exact\n\nChannel 1: That\n\nChannel 0: answer\n\nChannel 1: is okay.\n\nChannel 0: for that one.\n\nChannel 1: Yep. No\n\nChannel 0: But there\n\nChannel 1: problem.\n\nChannel 0: are a lot a lot more things to consider there. And one of the things I do sort of like to note is that when you're looking at the industry funds, essentially, they're when they're reporting on their websites and things like that or when they're telling their clients what they've made, they're normally not giving you a standard, you know, what your net return is for your super fund. They're basically saying, hey. This is what our fund has done. This is the the four phase figure of what we're reporting, essentially.\n\nSo it is a little bit harder. When it comes to hub twenty four and what we do, we have to be a lot more we're a lot more scrutinized. So we actually\n\nChannel 1: Yep.\n\nChannel 0: have to provide you with a net return, and it is a return based on your portfolio. So it\n\nChannel 1: Yes,\n\nChannel 0: does\n\nChannel 1: ma'am.\n\nChannel 0: they're not really apples to apples, which is a little bit not great, but is this this at least gives you, you know, more clarity around your return and is it before or after fees and what that looks like, which\n\nChannel 1: Yeah.\n\nChannel 0: means\n\nChannel 1: For\n\nChannel 0: that\n\nChannel 1: sure.\n\nChannel 0: when we make these changes, we can actually track those changes and see what you're tracking for and how this should look for you moving forward. Okay?\n\nChannel 1: Okay. That's fine.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Yeah. Yep. Yep.\n\nChannel 0: Excellent. That's all good. Cath, if you go down to page number 22, this is essentially looking at yours now.\n\nChannel 1: Am I done? It's called done?\n\nChannel 0: Yeah. If you're comfortable, Paul, that's everything. Did you have any questions that you wanted me to go through or answer for you? Is there anything that's kinda come up through any of that?\n\nChannel 1: Just, you know, when you talk about the battery thing, the back battery technology lithium.\n\nChannel 0: The living yep. I didn't listen to text. Yep.\n\nChannel 1: Have you looked at a new technology called I think it's a sodium ion technology?\n\nChannel 0: I have yeah. I have. It does sound really good, but it is very new, therefore, very speculative.\n\nChannel 1: Yes.\n\nChannel 0: And I was very hesitant about looking at anything like that for your super because we're reducing risk, and you're very conservative and very close to accessing super. It's very volatile, And\n\nChannel 1: Yeah.\n\nChannel 0: that kinda worried me a little bit. Putting you into something like that means you could see more ups and downs, and you're increasing\n\nChannel 1: Yes.\n\nChannel 0: the risk level that you're taking.\n\nChannel 1: Yes.\n\nChannel 0: And I was with that balanced growth environment and where you are risk wise, it didn't really fit comfortably for me. So that's why\n\nChannel 1: Okay.\n\nChannel 0: I wouldn't put that in your portfolio currently for you. Yeah.\n\nChannel 1: Yeah. Yeah. Because that\n\nChannel 0: Yeah.\n\nChannel 1: that potentially if research goes well, that\n\nChannel 0: Yeah.\n\nChannel 1: will that will overtake this technology.\n\nChannel 0: It is pretty cool, though. What they're doing is insane.\n\nChannel 1: Yeah. And it's a safe it's a safer profile too. It's a it's a more stable\n\nChannel 0: Yeah.\n\nChannel 1: system.\n\nChannel 0: Yeah.\n\nChannel 1: As\n\nChannel 0: Yes.\n\nChannel 1: far as the active active type,\n\nChannel 0: Yeah.\n\nChannel 1: So it holds it holds better what it has a better energy capacity, and it has a lower risk of fire. So\n\nChannel 0: Yeah.\n\nChannel 1: I think\n\nChannel 0: It's\n\nChannel 1: as that technology\n\nChannel 0: it's pretty\n\nChannel 1: picked\n\nChannel 0: good.\n\nChannel 1: up, it'll be a better\n\nChannel 0: Oh,\n\nChannel 1: system. So So can I\n\nChannel 0: absolutely.\n\nChannel 1: so can\n\nChannel 0: Yeah.\n\nChannel 1: I ask something on top of that for what\n\nChannel 0: Sure.\n\nChannel 1: Paul said? Say if we do end up selling a commercial property,\n\nChannel 0: Mhmm.\n\nChannel 1: like, if they still haven't they're they're very close to signing, but they still haven't yet. Right? So, of course, they're gonna have money left over because, you know, it's pretty significant super and that sort of thing after you're planning to do it.\n\nChannel 0: Yeah.\n\nChannel 1: Then\n\nChannel 0: Yeah.\n\nChannel 1: what it's called really interested in this and you think it's a good thing, would it\n\nChannel 0: Mhmm.\n\nChannel 1: be worth putting we could invest some of the money into that? Not even that super just as a side\n\nChannel 0: Can you write\n\nChannel 1: deal\n\nChannel 0: me?\n\nChannel 1: or\n\nChannel 0: Yeah.\n\nChannel 1: could what would\n\nChannel 0: Yeah.\n\nChannel 1: that be worth looking at?\n\nChannel 0: Yeah. You could absolutely look at doing that. We can provide advice around the area if you'd like to. It'll just be about looking at the risk level, looking at, you\n\nChannel 1: Sure.\n\nChannel 0: know, what it is, how we invest in that, whether it be in your own name. As\n\nChannel 1: Yep.\n\nChannel 0: long as you're accountable, things like that, I'd be more than happy to look at those sorts of investments as part of that, you know, personal investing space and see what you're\n\nChannel 1: Yeah.\n\nChannel 0: comfortable\n\nChannel 1: Sure.\n\nChannel 0: with. Yeah.\n\nChannel 1: Well,\n\nChannel 0: Absolutely.\n\nChannel 1: it's just that I I've never heard of it. But considering Paul has obviously booked it up and knows\n\nChannel 0: Yeah.\n\nChannel 1: a bit about it and thinks it's good. I guess,\n\nChannel 0: Yeah.\n\nChannel 1: so I've always found doing it now. When when we if we end up selling See\n\nChannel 0: Yeah.\n\nChannel 1: how it's going. And then we actually and then they settle, we can talk then. But you know what I mean? But that's a great idea. It will be something\n\nChannel 0: Yeah.\n\nChannel 1: if if that's a, like, a Infancy stage in the life today.\n\nChannel 0: Yes.\n\nChannel 1: Yeah. So should\n\nChannel 0: Yeah.\n\nChannel 1: it care? Mhmm. Which type of people will pay. Right? Yeah.\n\nAnyways, that's yeah. Good idea. I've got\n\nChannel 0: Yeah.\n\nChannel 1: a couple\n\nChannel 0: Yeah.\n\nChannel 1: of things that I will need to do if that's okay.\n\nChannel 0: Yeah. You're\n\nChannel 1: Hold\n\nChannel 0: fine,\n\nChannel 1: it.\n\nChannel 0: Paul. That's absolutely fine. Thank you so much for your time.\n\nChannel 1: Alright.\n\nChannel 0: I really\n\nChannel 1: Now\n\nChannel 0: appreciate\n\nChannel 1: thank\n\nChannel 0: it.\n\nChannel 1: you.\n\nChannel 0: You\n\nChannel 1: Thanks\n\nChannel 0: have a\n\nChannel 1: for\n\nChannel 0: good\n\nChannel 1: your\n\nChannel 0: have\n\nChannel 1: hard\n\nChannel 0: a\n\nChannel 1: work.\n\nChannel 0: good day. No. Not at all. Not a problem. Okay,\n\nChannel 1: See,\n\nChannel 0: Cass.\n\nChannel 1: I'm\n\nChannel 0: So\n\nChannel 1: here\n\nChannel 0: this\n\nChannel 1: too.\n\nChannel 0: is excellent.\n\nChannel 1: Oh,\n\nChannel 0: So this is for yourself. Yeah. You're right.\n\nChannel 1: yeah. Sorry. The the beneficiary just come through. So, Paul, if you can print oh, can you print the notes now, sign it? Yeah.\n\nAlright.\n\nChannel 0: You've\n\nChannel 1: Sorry.\n\nChannel 0: gotta you've gotta get a witness as well. So sign it when you can get it witnessed.\n\nChannel 1: Sure. That's the time that we'll do\n\nChannel 0: Yep.\n\nChannel 1: tonight. Yep. Can\n\nChannel 0: Yep.\n\nChannel 1: I get\n\nChannel 0: And\n\nChannel 1: a dose? Is it to do it or does it have to be a external person?\n\nChannel 0: No. That's fine. So you can it's gotta be two witnesses.\n\nChannel 1: Sure.\n\nChannel 0: One of them can't be the beneficiary. So Paul can't witness the documents. So your daughter and somebody else, as long\n\nChannel 1: Yep.\n\nChannel 0: as she's over 18, that's absolutely fine. Yeah.\n\nChannel 1: Perfect. Yep. Okay. Excellent. Alright.\n\nChannel 0: Fantastic.\n\nChannel 1: Thanks. Over there. Still download. Still download it. Yep.\n\nNo problem. Thanks. Okay.\n\nChannel 0: Excellent. Thank you.\n\nChannel 1: Yep. Go\n\nChannel 0: No.\n\nChannel 1: ahead.\n\nChannel 0: That's okay. You're fine.\n\nChannel 1: Okay. Thanks.\n\nChannel 0: So with this one here, as we kinda mentioned, we are looking to retain your NGS super there, but we only wanna hold 10,000 in it. So we are gonna roll some funds out of the NGS super. Just retaining\n\nChannel 1: Yep.\n\nChannel 0: 10,000, have everything else invested in hub twenty four working harder for you as well.\n\nChannel 1: Perfect.\n\nChannel 0: We want your super contributions to continue to go into NGS Super, and we'll make sure that each time we speak to you, we update the the balance within an NGS Super. Essentially, every year, we wanna complete rollovers, only leaving that $10,000 balance there. But what I'd probably like to do is essentially look at it whenever we do a catch up and\n\nChannel 1: Yep.\n\nChannel 0: get an updated balance from NGS. I'll find out how much is in there, and we could probably even do regular rollovers once every six months. So we're rolling over small amounts of money on a regular basis, which is\n\nChannel 1: Perfect.\n\nChannel 0: dollar cost averaging in the hub 24, which can actually\n\nChannel 1: Yep.\n\nChannel 0: provide you with a much greater return and assist your Subaru by working harder there as well. Okay?\n\nChannel 1: Perfect. Can I ask\n\nChannel 0: X.\n\nChannel 1: though, could we\n\nChannel 0: Sure.\n\nChannel 1: leave 5,000 or 2,000 in there or that's not\n\nChannel 0: We\n\nChannel 1: enough?\n\nChannel 0: we can't. We have they have a minimum of 10\n\nChannel 1: Oh,\n\nChannel 0: a minimum\n\nChannel 1: fair enough.\n\nChannel 0: of six, and\n\nChannel 1: Yep.\n\nChannel 0: we leave\n\nChannel 1: Perfect.\n\nChannel 0: 10 because your insurance premiums also come out. So\n\nChannel 1: Yep.\n\nChannel 0: that's\n\nChannel 1: Yep.\n\nChannel 0: why we\n\nChannel 1: No.\n\nChannel 0: don't leave less. Yeah.\n\nChannel 1: Yep. Fair enough. Yep.\n\nChannel 0: Excellent. Now, Kath, if you go down to page number 27 for me,\n\nChannel 1: Yep.\n\nChannel 0: this is essentially your fee comparison table showing your current and recommended.\n\nChannel 1: Yep. And I'm 2727. Yep. Yep.\n\nChannel 0: Beautiful. So the current table shows your balance between your NGS super and your hub 24 there. You've got your investment fees, admin fees, any other fees applicable, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums there as well. Between the two funds, you're in that balanced growth environment. And when we look at how the two funds have performed over the past five years amalgamated, it's averaged 7.47%.\n\nWe wanna\n\nChannel 1: Yes.\n\nChannel 0: make sure sure things work a lot harder for you. So in\n\nChannel 1: Yes.\n\nChannel 0: the recommended column there, we're gonna retain 10,000 in NGS Super, roll the rest into hub 24. In order to make the investment switch for yourself, your portfolio is gonna be different to Paul's because I was able to update your portfolio, update a lot more of your investments, but your CGT consequence is going to be a lot smaller as\n\nChannel 1: No.\n\nChannel 0: well. In order to make the changes that we're gonna make, your super fund is only expected to have capital gains of 382,000. Sorry. $382. My apologies.\n\nChannel 1: Yep. Oh, so I've\n\nChannel 0: Yeah.\n\nChannel 1: just looked and I know you would have been through it. So actually,\n\nChannel 0: Mhmm.\n\nChannel 1: I'm paying a thousand dollars a year. Wow. For the yeah.\n\nChannel 0: For\n\nChannel 1: And and\n\nChannel 0: the insurances?\n\nChannel 1: and\n\nChannel 0: Yeah.\n\nChannel 1: what's the death what's it again?\n\nChannel 0: I'm sorry. What was that?\n\nChannel 1: What's the death the death insurance? What what how much is that again?\n\nChannel 0: Oh, the death benefit? Yeah. You're right. I've got that here. Not a problem at all.\n\nLet me just scroll back up for you. Sorry. My computer's having it a minute. It's just loading. It froze on me.\n\nLove when technology works for us. Essentially, with your life benefit currently in NGS, you're covered for 222,000 just for life benefit. But if you had to pass away, your super balance is paid out on top of that. And the total permanent disability is 80,000.\n\nChannel 1: So even though oh, in one lump sum, not a year, obviously.\n\nChannel 0: So,\n\nChannel 1: Right.\n\nChannel 0: yeah, the the TPD can be paid out as a lump sum or an income stream. And, again, if\n\nChannel 1: Oh,\n\nChannel 0: you\n\nChannel 1: sure.\n\nChannel 0: claim on TPD, so permanent incapacity, we can also claim against your super so you can have your super balance released as well.\n\nChannel 1: So, really, this is for probably three more years of me working,\n\nChannel 0: Yeah.\n\nChannel 1: and then it's gone anyway, isn't it? Because, well, seven or not\n\nChannel 0: Yeah. They\n\nChannel 1: yeah.\n\nChannel 0: do tend to expire. Life cover doesn't expire as quickly as your disability covers, so it tends to be your income protection, your TPD expire a lot faster. Your life insurance, you can hold a lot longer if you want to. But, realistically, when we look at insurances, we only really wanna hold them as long as we need to. I mean,\n\nChannel 1: Yes.\n\nChannel 0: if you guys end up being completely debt free, is it at a point where you need those insurances or not? Consolidating at some point when you get to retirement, we tend to not need any disability income protection, even life cover, and\n\nChannel 1: Yes.\n\nChannel 0: we tend to sort of cancel that point. Because if we're, you know, in retirement, we've stopped working, so we're already drawing an income stream out. So it sort of doesn't help to pay for insurances that you're not gonna be able to claim on with TPD and income for income protection. Sorry. And then often, we just don't need the life cover either because if we pass away, our super benefit pays out anyway.\n\nSo,\n\nChannel 1: That's\n\nChannel 0: realistically,\n\nChannel 1: wrong.\n\nChannel 0: most people tend to cancel them at retirement age. And then if that happens, we can consolidate everything. But if you guys\n\nChannel 1: Yeah.\n\nChannel 0: sell the commercial property and end up debt free and look at investing, we could also look then. Do you still need those covers, or is it worth consolidating them if you've got investments and not needing any and not having any debt? So there's definitely times when\n\nChannel 1: Yeah,\n\nChannel 0: they don't need\n\nChannel 1: so\n\nChannel 0: them anymore.\n\nChannel 1: I just worked out\n\nChannel 0: Yeah.\n\nChannel 1: roughly. If I paid it for the next three years,\n\nChannel 0: Yep.\n\nChannel 1: it's a rough growth of 8.45 just roughly. It's about\n\nChannel 0: Mhmm.\n\nChannel 1: $4,000 that I'm missing in\n\nChannel 0: Yeah.\n\nChannel 1: my super.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It does\n\nChannel 1: Okay.\n\nChannel 0: have a bit of a long term effect there, which is not great. But yeah. I mean,\n\nChannel 1: Yes.\n\nChannel 0: for now, it's good because if anything happens right now, you could\n\nChannel 1: That's\n\nChannel 0: have\n\nChannel 1: right.\n\nChannel 0: that coverage to provide that protection. But we'll just review it when we come back in March and have a look\n\nChannel 1: Okay.\n\nChannel 0: at, you\n\nChannel 1: Cool.\n\nChannel 0: know, what your next sort of goals are, what we've got. We can always assess them again. And at any point, if you decide you don't feel like they're working or you don't need them anymore, we can always come back and update the advice for\n\nChannel 1: Yep.\n\nChannel 0: you as\n\nChannel 1: Yep.\n\nChannel 0: well. Okay?\n\nChannel 1: Perfect. Okay. Yep. Perfect. Yep.\n\nChannel 0: Excellent. Fantastic. So with that newer portfolio, we estimate CGT to be $382 there. Essentially, by moving some more money into hub twenty four, it does increase the admin fee slightly by $32 for the year. But\n\nChannel 1: Yep.\n\nChannel 0: your newer portfolio is a lot cheaper, again, the same as Paul's. It's saving you quite a good amount of money. It's expected to save you $356\n\nChannel 1: Yep.\n\nChannel 0: for the year on investment fees. So that's good. That's reducing fees.\n\nChannel 1: Yep.\n\nChannel 0: The ongoing service fee does essentially remain. The contributions will still go into NGS Super, and that'll also have your insurance premiums coming out of for a bit longer there as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: With your balance growth portfolio with the newer portfolio between the NGS Super and Hub twenty four, it has performed about 8.45%. So it has performed greater than your current scenario, which if you sort of look over the next five to ten years, can put you in a much greater position there. But we wanna build on that and make sure you're in an even better position than that. So we'll come back in March and reassess things and look at what we can do moving forward and what we do with the proceeds of the funds and if Paul gets his redundancy and things like that as well. Okay?\n\nChannel 1: Yes. Yep. Yep. Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Understood.\n\nChannel 0: If you can go down to page number 28 for me, this is showing you\n\nChannel 1: Yep.\n\nChannel 0: the buyers and sales for your portfolio. It is a little bit bigger.\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. So with NGS, so for there, you'll see we are gonna roll about 16,505 and 20 out. That leaves about 10,000 sitting in there for you. We don't need to change anything within within NGS.\n\nThat's all currently okay. There's no point switching the investments within there currently.\n\nChannel 1: Oh, sorry. You\n\nChannel 0: When\n\nChannel 1: said\n\nChannel 0: we kind\n\nChannel 1: 29\n\nChannel 0: of\n\nChannel 1: that's 29 '28. Sorry. You said 28. No. I thought you said '28, which is the current NGS, this graduation, current hate, have twenty four, twelve months.\n\nHave we really been through that one? Sorry. So just\n\nChannel 0: I'm oh, sorry. Page number 29. My apologies. Sorry.\n\nChannel 1: okay. So what is page number 28? Sorry.\n\nChannel 0: So that's\n\nChannel 1: I just\n\nChannel 0: showing you that's okay. That's showing you essentially all the research, the returns between the two. So the current at the very top shows you the twelve months, three year, five year, ten year performance\n\nChannel 1: yep.\n\nChannel 0: for NGS super, and then it also shows you have 24. And then the last column is us amalgamating it together. So we take all the investments to two funds, and then we calculate the total amalgamated or aggregated portfolio, which gives you that five year rolling average. And the same thing below, it looks at the recommended portfolio, so what you can get or what has happened performance wise within NGS Super as well as Hub 24, and then we aggregate the two together to get the 8.45, essentially.\n\nChannel 1: So, basically, would that that gives a bit of an idea then.\n\nChannel 0: It\n\nChannel 1: Basically,\n\nChannel 0: does.\n\nChannel 1: the question I asked before, the current\n\nChannel 0: Yeah.\n\nChannel 1: NGS, the last twelve months made 9.93. Yeah?\n\nChannel 0: For NGS, yeah, that's what they've reported. Yeah. Yeah. Definitely. So with yours, it's\n\nChannel 1: So\n\nChannel 0: yeah.\n\nChannel 1: if Benelon\n\nChannel 0: Sorry.\n\nChannel 1: wasn't there, maybe it was up around that.\n\nChannel 0: Well, the the hub 24 in the current over the past five years has averaged 7.57%. So NDS hasn't performed as well.\n\nChannel 1: No.\n\nChannel 0: Realistically,\n\nChannel 1: Totally.\n\nChannel 0: if if and I'm just surmising here based on sort of the fact that Bennelong has been down pretty heavily.\n\nChannel 1: Yes.\n\nChannel 0: But, realistically, you could have got up between eight to 9% return very conservatively if Bennelong had performed well. Because when you\n\nChannel 1: No.\n\nChannel 0: look at Bennelong over the past thirty years, it's performed and had really good, you know, 2030% returns. So\n\nChannel 1: Yes.\n\nChannel 0: that in itself, when you amalgamate that with the rest of the portfolio, it could have made a difference of one to 2%. Conservatively, it could have made a lot more. So then you could have got a 10% return,\n\nChannel 1: Yep.\n\nChannel 0: but that is just summarizing based on me running the quick math and everything, but I'll never really know exactly what you\n\nChannel 1: No.\n\nChannel 0: would have\n\nChannel 1: Fair.\n\nChannel 0: got\n\nChannel 1: Fair.\n\nChannel 0: prior.\n\nChannel 1: Fair. Yep.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: But you can definitely\n\nChannel 1: Okay.\n\nChannel 0: see the difference between the two, and the last column is our aggregated to how we work out our returns. We amalgamate the two together. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Beautiful. Excellent.\n\nChannel 1: Awesome. Yep.\n\nChannel 0: Fantastic. So 29 is your investment table there.\n\nChannel 1: Yep.\n\nChannel 0: So we're just leaving 10,000 in the NGS super. So 16,505 is rolled out into Hub 24.\n\nChannel 1: Yep.\n\nChannel 0: And then we're also removing your Ben along Australian equities investment, completely removing that to remove the underperformance.\n\nChannel 1: Yep.\n\nChannel 0: In your portfolio, I am removing the ClearBridge infrastructure fund because I was able to look at ways to alter your portfolio in other ways to provide as much growth as possible and also to lower the fees as much as possible.\n\nChannel 1: Yes.\n\nChannel 0: I had to limit how much we could alter poles because any major alterations costed more in CDT consequences. And, realistically, he's a lot closer to retirement. So it's about making sure that we're not gonna have to wait years to make those funds back because he has seen much greater growth, and his balance is much higher as well. So I was able to adjust your portfolio in other ways, than I had to do with Paul's for\n\nChannel 1: Yep.\n\nChannel 0: you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: So we're removing the ClearBridge infrastructure fund completely as well. I am in yours moving the battery and lithium tech as well taking that out. You're still gonna have access and exposure to those, but I've found a lower cost way to hold those investments in your portfolio that will work better for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: The bank hybrids are also coming out because they are being replaced down the track there, but we still wanna hold physical gold. You've got 11% there at the moment. We only wanna hold 10%. So it's about just selling some of those gains and recementing and distributing those gains across your portfolio.\n\nChannel 1: Yes. Yes.\n\nChannel 0: To replace the bank hybrids there, keeping those defensive investments, you're gonna hold some core composite bonds in this portfolio,\n\nChannel 1: Yep.\n\nChannel 0: about 24% in there, and that's gonna give you some income production as well, which is going to be really good.\n\nChannel 1: Yes.\n\nChannel 0: You've also got the S and P 500. We wanna hold 25% of that. At the moment, you've got about 29%. So you have seen some really good growth within this investment. So we are just gonna sell some of that back and redistribute that across the portfolio, just rebalancing that investment to 25% there for you.\n\nOkay?\n\nChannel 1: Yes.\n\nChannel 0: With yours, the Raffy is removing out of that because it was able I was able to find a lot you know, a different way to sort of hold those investments\n\nChannel 1: Yes.\n\nChannel 0: and also making sure to because your balance is lower than Paul's, reducing costs as much as we possibly can. When you sort\n\nChannel 1: Yep.\n\nChannel 0: of look at the investment side of things, your investment fees were much lower to begin with, but they're even lower now, and it's saving\n\nChannel 1: Yep.\n\nChannel 0: about $356. Whereas Paul still got some of those higher cost investments. Now we were able to save a lot of money in investment days, but because of his balance, I couldn't remove a lot of additional investments. So we had to limit the CDT effect for him. So\n\nChannel 1: No.\n\nChannel 0: I am removing the Rafi completely from yours.\n\nChannel 1: Yep.\n\nChannel 0: We're also then gonna increase exposure or add exposure into cybersecurity. So this is giving you a different level of exposure into battery and lithium tech and cybersecurity as well. It's\n\nChannel 1: Yep.\n\nChannel 0: essentially giving you global exposure to cybersecurity, which is a great area to be invested in, and diversification is good as well. So 4% there. The iShares Europe investments are giving you exposure to all 16 European countries to helping to provide diversification and lower overall market risk. And then you've also got some Japanese exposure holding 3% in Japan. Japan is a good place to see growth.\n\nThey actually did very well looking after their country with stockpiling fuel this year. We didn't do\n\nChannel 1: Yes.\n\nChannel 0: as well as them, but they were kind of really well prepared for that. So they are a really good investment opportunity. There has been some really good growth there, and I just wanna keep checking that one moving forward. Holding 3% of that investment will work well for you.\n\nChannel 1: Yep.\n\nChannel 0: And then the other things to look at is the Vanguard or World ex US. Now we have kind of removed a lot of other things out of their portfolio and replaced it with this. So this is a an ETF or exchange traded fund that is giving you access and exposure to the entire globe. One of the biggest things we can do is diversify to lower our overall risk, and\n\nChannel 1: Yep.\n\nChannel 0: this investment does that. It gives you exposure to every country minus The US. We don't need The US in this investment because we have the S and P 500 above, and we're holding 25% of that investment there. But this is a low cost way to give you good diversified access to lots of different countries as well as different asset classes\n\nChannel 1: Sure.\n\nChannel 0: and\n\nChannel 1: Yep.\n\nChannel 0: give you a little bit of growth in defensive exposure as well, which is what we wanna see. And this investment has done really well as well. Okay?\n\nChannel 1: Yep. Yep.\n\nChannel 0: And then you've got your beta shares a 200 to giving you exposure to the top 100 top 200 companies on the ASX holding 20% of this one. The Vanguard All World ex US does also hold a small component of Australian equities, so we also wanted to encompass that and not hold too much Australian equities. The 20% here plus a small amount in that Vanguard or World Index as well. That gives you really good exposure. Essentially, as a whole, it is low CGT cost to make the switch.\n\nIt's rebalancing your portfolio with the ones that we need to rebalance and adding some diversified exposure to, you know, help lower market risk, but also provide greater greater performance, hopefully, moving forward within your portfolio. And it's cheaper,\n\nChannel 1: Yep.\n\nChannel 0: so it's saving you on investment fees, which is really good. I wanted to look at ways to reduce fees as much as possible as well to keep more money working harder for you at the end of the day there. Okay.\n\nChannel 1: Yep. Yep. Yep.\n\nChannel 0: Beautiful. With the next page, you've got your cash account there. You've got about $15 more in cash than we realistically wanted to, so we'll just make sure we invest that money and only hold a minimum of 1.25% cash. Essentially,\n\nChannel 1: Yep.\n\nChannel 0: we didn't have 24. We'd have to have a minimum cash balance. It's 1.25%. We never wanna hold more cash than we realistically\n\nChannel 1: Sure.\n\nChannel 0: need to, and\n\nChannel 1: Yep.\n\nChannel 0: part of rebalancing would just be to invest, sorry, that little bit of extra money there for you as well. Okay?\n\nChannel 1: Yep. For sure. Yep.\n\nChannel 0: Excellent. The only other things on there is just making sure that your beneficiaries are done. Those are being sent out, which is fantastic, but a little bit lower on page 32, I have added the beneficiary side of things, and they're just recommending a binding non lapse denomination a 100% to pull on both\n\nChannel 1: Yep.\n\nChannel 0: those super funds to make sure that everything is sorted. And then even lower\n\nChannel 1: Perfect.\n\nChannel 0: than that, on pages number 34 and down, it's just about making sure that you guys have a will, have attorneys, and things like that. So\n\nChannel 1: Yep.\n\nChannel 0: I like to put that in there because it gives you a little bit of reading material, but it also kind of helps to generate that conversation.\n\nChannel 1: Yep.\n\nChannel 0: It's not an easy\n\nChannel 1: Yep.\n\nChannel 0: one to have, but it's really good to have that conversation and talk to you your kids about, your family about, and think about what\n\nChannel 1: Yep.\n\nChannel 0: your wishes are and what you want to happen. Yeah.\n\nChannel 1: Yep. For sure. Yep.\n\nChannel 0: Excellent. All good. Now that is basically all the recommendations. We've got in there the ongoing service agreement. You guys are both on 1.10%.\n\nNothing changes there at all, and that\n\nChannel 1: Yep.\n\nChannel 0: all in disclosed there. How we would run through this advice for you is we'll essentially just start by completing an investment switch, then we'll do some partial rollovers for you from your NGS super,\n\nChannel 1: Yep.\n\nChannel 0: and then we'll make sure that we the beneficiaries are all being sent out. So we'll make sure they are also applied there for you as well. Okay?\n\nChannel 1: Yep. Yep. Perfect. Yep.\n\nChannel 0: Excellent. Do you have any questions at all? Is there anything\n\nChannel 1: No. No. That's good.\n\nChannel 0: yeah.\n\nChannel 1: No. No. It's all good. I I understand a lot more now, which is good.\n\nChannel 0: Yeah. No. That's excellent.\n\nChannel 1: Yep.\n\nChannel 0: That's that's part of what I love about my job is the educational value because none of us knew this at school, and my kids still aren't taught any of this, which is kind of hard and sad. And they're 19 and 20 now, so it's a little bit, you know,\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: having to teach\n\nChannel 1: Yep.\n\nChannel 0: them how to how to function and the things that I've learned. And I had to go to uni to learn a lot of this. So\n\nChannel 1: Totally.\n\nChannel 0: I do\n\nChannel 1: Yeah.\n\nChannel 0: love\n\nChannel 1: Absolutely.\n\nChannel 0: that you get to ask questions, and I really enjoy, you know, being able to provide you with the information and, you know, help\n\nChannel 1: Yes.\n\nChannel 0: help you understand why I'm doing what I'm doing for you. So, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: it's\n\nChannel 1: No.\n\nChannel 0: good.\n\nChannel 1: Absolutely. So I think I just signed it. Can you double check if you've got it back already? Or\n\nChannel 0: Yeah.\n\nChannel 1: maybe\n\nChannel 0: Absolutely.\n\nChannel 1: not. Hang on.\n\nChannel 0: I'm pretty sure it I think it needs Paul to sign it as well for it\n\nChannel 1: For\n\nChannel 0: to come\n\nChannel 1: the same\n\nChannel 0: back,\n\nChannel 1: one.\n\nChannel 0: but\n\nChannel 1: I could see where it\n\nChannel 0: let\n\nChannel 1: says\n\nChannel 0: me check.\n\nChannel 1: oh, that's why. Hang on. I didn't signature. What page would that be on there? Hang on.\n\nOh, here. No. Mine's got my little checkbox, but Paul's hasn't. Oh, he's got his own though. He's got going too.\n\nIs that right?\n\nChannel 0: Yes. So Paul will have his own. There should be two in the email, there'll be two invites, one for yourself and one for Paul. So once you've signed it, it'll then Paul just needs to sign his part as well, and then it will come back to us all fully signed.\n\nChannel 1: But on the same document, the same email? Oh, no. Validate\n\nChannel 0: And\n\nChannel 1: and complete. So\n\nChannel 0: there'll\n\nChannel 1: mine\n\nChannel 0: be\n\nChannel 1: has\n\nChannel 0: two separate\n\nChannel 1: been done.\n\nChannel 0: emails. Yes.\n\nChannel 1: Okay. Yes. So I think mine's done. So he's he has to do his. Okay.\n\nExcellent.\n\nChannel 0: Yep. Beautiful. Fantastic.\n\nChannel 1: Okay. Perfect. Alright. So, yeah, that's I think it's pretty good. So now\n\nChannel 0: Yeah.\n\nChannel 1: if you\n\nChannel 0: Yeah.\n\nChannel 1: find anything, obviously I mean, I guess, I I will ask. How been long been going down for a little while. I guess, why wasn't it picked up? So I think mid term.\n\nChannel 0: Yeah. So it definitely has been. It's just that we haven't been able to remove that from anyone's portfolio without having the conversations first. So, essentially, as we've been going through the end reviews, we've been flagging it with everyone and then going through the advice process to have it removed. But we have to go through the as I was kinda mentioned in the beginning, we're in that best interest duty.\n\nSo we have to understand your goals and make sure that when we update the portfolio and when we make changes to your portfolio, that is in line with your risk profile, your tolerance, your goals, and what you're actually hoping to achieve. If we had just gone in there and removed that investment out of there, as much as it probably could've mitigated some of the the market drop or some\n\nChannel 1: Yep.\n\nChannel 0: of the drop that I had seen, it we risk kind of having you invested in an investment that isn't in line with your goals, that, you know, is overexposing you or isn't actually what you wanted to see. And then we go to the annual review, and we have the next conversation with you. And then we update\n\nChannel 1: Yeah.\n\nChannel 0: the advice to reflect. So that's why we didn't originally move it, and\n\nChannel 1: Go.\n\nChannel 0: I've been trying to sort of get through all the annual reviews to have that conversation. The good thing is as much as it was a dip, Benelong is down. It hasn't really and it has affected everyone's portfolios, essentially, but it has been slowly having little parts of recovery here and there. So it has been coming up slowly. We just decided it's not worth going through the ups and downs.\n\nWe've given them a long enough time. It had a bit of volatility through COVID as well, and the investment committee just decided with the most recent activity with the investment managers is unperforming. It's just not worth keeping anymore. So\n\nChannel 1: Sure. No. That's alright.\n\nChannel 0: we've\n\nChannel 1: Yep.\n\nChannel 0: that's why we've sort of done it as slowly as we had, but just making sure the advice is appropriate and and within your goals as well, which is the most important part. Yeah.\n\nChannel 1: Yep. Yep. Perfect. So if we did\n\nChannel 0: Absolutely.\n\nChannel 1: it every six months, that would be good, wouldn't it? Because then\n\nChannel 0: Absolutely.\n\nChannel 1: yep.\n\nChannel 0: Yeah. We can flag things in advance. And if I see anything additional, we'll make sure we get you back in. Yeah. Absolutely.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Excellent. Yep. Oh, so you know if we do sell the commercial property, how I can put you know, is it brought forward three years or something 100\n\nChannel 0: Yes.\n\nChannel 1: and 30,000 each year?\n\nChannel 0: Yeah. So the\n\nChannel 1: The three\n\nChannel 0: the,\n\nChannel 1: 90.\n\nChannel 0: yeah, so you're thinking about the bring forward rule. Essentially,\n\nChannel 1: Three\n\nChannel 0: that\n\nChannel 1: four.\n\nChannel 0: allows\n\nChannel 1: So\n\nChannel 0: you to yeah. That's okay. It's essentially allowing you to contribute this year's non concessional cap of a 130,000 plus the next two financial years in one go. There are some rules around it about super balance and things like that. But for yourself, Cath, that you know, you're under the limits there with everything.\n\nChannel 1: Yes.\n\nChannel 0: So we could definitely look at doing that for you. Those funds go into your tax free component within super, so a 100% invested into the portfolio. And that could definitely build your super a bit higher and provide greater returns and also give you a greater benefit down the track. But, yeah, that's the bring forward rule, which is really cool. One of my favorite rules, and being able to\n\nChannel 1: Yes.\n\nChannel 0: contribute up to 390,000 in one go is pretty awesome.\n\nChannel 1: Yeah. But then there's also the one the one the fact that I haven't done for the last five years, isn't it? That I only put\n\nChannel 0: Yep.\n\nChannel 1: in, say, $4,000, so I can put in difference there as well. Can I?\n\nChannel 0: Yeah. Definitely. That's the carry forward. It's amazing how they worded these ones, but that's the\n\nChannel 1: Yeah.\n\nChannel 0: carry forward contribution. So, essentially, it takes any of your unused concessional contributions cap. So concessional contributions are your employer contributions, any salary sacrifice, and or deductible contributions.\n\nChannel 1: Yep.\n\nChannel 0: It keeps your myGov account and the ACO keep track of what's being noted or reported by your super fund over the past five years as well\n\nChannel 1: Yep.\n\nChannel 0: as your employer. So any additional cap space over the past five years sits there. And in any one financial year or you can do it slowly over a few financial years, you can essentially go over this year's cap and contribute anything for the past five financial years so long as your super balance is under 500,000 as of the June 30 the prior financial year.\n\nChannel 1: Sure. Yep. Yep. Yep. Oh, under\n\nChannel 0: Yeah.\n\nChannel 1: what? 500,000?\n\nChannel 0: 500,000 as of June 30 last financial year. So you meet\n\nChannel 1: Oh,\n\nChannel 0: that criteria. That's fine. Yeah.\n\nChannel 1: okay. So Paul, obviously, we doesn't meet that anyway because\n\nChannel 0: Unfortunately,\n\nChannel 1: he always puts\n\nChannel 0: not.\n\nChannel 1: him right up there. But does he qualify\n\nChannel 0: Yeah.\n\nChannel 1: for the $3.90? And how and how and how would that impact him?\n\nChannel 0: So we just have to double check. Let me double check what the the cap is. I'm pretty sure he actually can because the cap is there. But, realistically, if we're looking at trying to boost your super, it would probably provide the greater benefit to yourself. As much as that money going into Paul's super would build on his, if we put it into yours, it means that we're boosting your balance and then also providing you know, getting your super growing a little bit harder as well.\n\nChannel 1: So yeah. That's right. That that's perfect. But so but then I mean, this is well, I'm talking too about it now,\n\nChannel 0: You're\n\nChannel 1: really,\n\nChannel 0: alright.\n\nChannel 1: but I'm wondering\n\nChannel 0: You're alright.\n\nChannel 1: what we do what we do with the rest. I mean, you know you know\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Yeah. That's okay. So we can definitely look at putting some into pools as well. Or depending on what you wanna do, we have other ways of investing. So we can build investment portfolios very similar to your super, in, say, hub twenty four or other investments, or we also have investment bonds, which don't have tax consequences.\n\nSome of the cool things I like about investment bonds is you're putting money into a bond. If you're happy to keep it there for, say, ten years, that money can grow and build over time. And then after that ten year time horizon, you start to draw income out of that bond, and there's no income tax on that money. It's all tax free if it's held that way. We can, depending on what you wanna do, if you've got grandkids or kids that you wanna put money away for as, you know, a future inheritance sort of thing, we can look at doing that.\n\nWe can\n\nChannel 1: Wrong.\n\nChannel 0: look at putting money into super, turn deposits. There's a lot of things that we can definitely do with regard to the funds. It just comes down to what your goals are, what your risk tolerance is, what you wanna do with the money in the next one, two, five, ten years,\n\nChannel 1: Oh,\n\nChannel 0: and\n\nChannel 1: yep.\n\nChannel 0: then\n\nChannel 1: Yep.\n\nChannel 0: we kind of work out what strategy works better for you as well. So\n\nChannel 1: Yep.\n\nChannel 0: there's lots of different things that we can do. Yeah.\n\nChannel 1: Yes. Okay. Because I have looked at oh, I forget what it was called. I can't even tell you now. It's a really low risk type thing that\n\nChannel 0: Mhmm.\n\nChannel 1: and it was still saying that, basically, it's about 7.6%, and you get paid\n\nChannel 0: Yeah.\n\nChannel 1: every\n\nChannel 0: Right.\n\nChannel 1: quarter.\n\nChannel 0: Yeah. Right. You do you remember what it's called?\n\nChannel 1: Oh, it's an Australian one.\n\nChannel 0: Yeah.\n\nChannel 1: Well, I mean, you can also look at what\n\nChannel 0: Yes.\n\nChannel 1: you've got me, which is the oh, what's it called? V Vanguard. I mean, that's pretty low risk, isn't it? Or or is that\n\nChannel 0: Yes. Yeah. So Vanguard Vanguard has lots of different investment options to choose from, and there are some\n\nChannel 1: yeah.\n\nChannel 0: high risk, some low risk. It just depends on what you're investing in. But\n\nChannel 1: Yeah.\n\nChannel 0: Vanguard\n\nChannel 1: Sure.\n\nChannel 0: do have, like, an investment platform very similar to Hub twenty four. And on that platform, you can then invest in all the different in Vanguard different investment options as well. So there\n\nChannel 1: Okay.\n\nChannel 0: are absolutely those other options that we can look at for you. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Definitely.\n\nChannel 1: Look. I forget. It started\n\nChannel 0: Yeah.\n\nChannel 1: with l, but it's Australian.\n\nChannel 0: Latrobe?\n\nChannel 1: Latrobe. Yes. So they're\n\nChannel 0: Yep.\n\nChannel 1: advertising even for twelve months. I think it's\n\nChannel 0: Yep.\n\nChannel 1: 7.65, and you get paid, I think, monthly. You get the interest monthly if you want, or you can roll it back over into it.\n\nChannel 0: Yeah.\n\nChannel 1: I mean\n\nChannel 0: A lot of those are cash accounts, and Latrobe has there are some rules around Latrobe in accessing those funds. So with them, I know with and I've had clients in Latrobe before. They're not bad in any way. They suit a certain type of client, but there are points where if your money's in the Latrobe and you wanna pull money out for any additional reason, they have rules and different fees on things like that. So it can\n\nChannel 1: Sure.\n\nChannel 0: be hard to access funds. So I'd realistically be wanting to look at how how much you need to access in the short term, what the likelihood of you needing to access is, and how do we get good returns whilst allowing you access to your funds when you need them as well. Yeah.\n\nChannel 1: Yeah. Sure. Yep. Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: No. That's good. That's good to know.\n\nChannel 0: Yeah. Excellent.\n\nChannel 1: Alright. Well, I'm I'm gonna go across that briefly. I mean, hopefully, if it goes through, if we're here in the next week or so,\n\nChannel 0: Yep.\n\nChannel 1: I I'd almost like to start thinking about what we do, you know,\n\nChannel 0: Yeah.\n\nChannel 1: because it'll\n\nChannel 0: Absolutely.\n\nChannel 1: probably go through six weeks after that. You know? So\n\nChannel 0: Yeah.\n\nChannel 1: maybe sometime towards the end of the the end of the year. Because what I think I said you before, if you can write down somewhere that we're gonna I think our capital gains tax is gonna be about 130,000. So I'd like\n\nChannel 0: Yes.\n\nChannel 1: to invest some money that you we can get growth from and access that, and we don't have pay the 130. Well, we will, but we're not going to like, we hope that we've made a some interest on it, and then we can\n\nChannel 0: Yes.\n\nChannel 1: access it potentially to pay that. So it's not a full\n\nChannel 0: Prior\n\nChannel 1: $1.30\n\nChannel 0: to using\n\nChannel 1: we've gotta\n\nChannel 0: it?\n\nChannel 1: pay.\n\nChannel 0: Yeah. Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: No. That's completely understandable. We can certainly look at that. I just would let you know I'm going away next week, so I'll be away for two weeks. But I'll\n\nChannel 1: That's\n\nChannel 0: be back\n\nChannel 1: wrong.\n\nChannel 0: early\n\nChannel 1: Oh,\n\nChannel 0: October.\n\nChannel 1: easy. Please.\n\nChannel 0: If\n\nChannel 1: Yep.\n\nChannel 0: you need anything, let the team know. They'll book you in as soon as I get back to talk to me. And, yeah, if you guys find out that you're selling the property and you wanna talk beforehand, you just let me know. I will book you both in at any time that suits you, and we will have that conversation and look at updating\n\nChannel 1: Yep.\n\nChannel 0: the advice for you.\n\nChannel 1: Perfect.\n\nChannel 0: Okay?\n\nChannel 1: Perfect. Where are you off to?\n\nChannel 0: I'm going to Victoria. We're gonna drive the Great Ocean Road.\n\nChannel 1: Beautiful. Excellent. Lovely.\n\nChannel 0: My 10 year old son can't wait.\n\nChannel 1: Actually, I think we did it when our girls were about that age. It was so much fun. And it's good to do\n\nChannel 0: Oh,\n\nChannel 1: it now because it's all possible\n\nChannel 0: yes. Yes.\n\nChannel 1: diminishing. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: I was very jealous.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Well,\n\nChannel 0: Lovely.\n\nChannel 1: how was that, John?\n\nChannel 0: Thank you\n\nChannel 1: Awesome.\n\nChannel 0: so much. Appreciate you both taking my call. I hope you both have a lovely night. If either of you have any questions, please don't ever hesitate to let me know.\n\nChannel 1: Okay.\n\nChannel 0: But thank you for the opportunity to put this together and taking my call\n\nChannel 1: Thank\n\nChannel 0: this evening.\n\nChannel 1: you. No. I appreciate it. Thanks, Heath.\n\nChannel 0: Anytime. Thanks, Cass.\n\nChannel 1: Okay.\n\nChannel 0: See you,\n\nChannel 1: Thank\n\nChannel 0: Paul.\n\nChannel 1: you. Bye bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":3.12,"end":3.62,"sentiment":"neutral","sentiment_score":0.032741203904151917}],"sentiment":"neutral","sentiment_score":0.032741203904151917,"channel":1,"num_words":1,"start":3.12,"end":3.62},{"sentences":[{"text":"Hi, Kath.","start":4.64,"end":5.2799997,"sentiment":"neutral","sentiment_score":0.10399193689227104},{"text":"It's Dana from OQ Financial.","start":5.2799997,"end":6.8199997,"sentiment":"neutral","sentiment_score":0.15870383083820344},{"text":"How are you this afternoon?","start":6.8799996,"end":8.02,"sentiment":"neutral","sentiment_score":0.21516787111759186}],"sentiment":"neutral","sentiment_score":0.17311186529695988,"channel":0,"num_words":12,"start":4.64,"end":8.02},{"sentences":[{"text":"Good.","start":8.72,"end":9.12,"sentiment":"positive","sentiment_score":0.5418175458908081},{"text":"Thanks.","start":9.12,"end":9.44,"sentiment":"positive","sentiment_score":0.5625897645950317},{"text":"How are you?","start":9.44,"end":10.26,"sentiment":"positive","sentiment_score":0.33497687180836994}],"sentiment":"positive","sentiment_score":0.4218675851821899,"channel":1,"num_words":5,"start":8.72,"end":10.26},{"sentences":[{"text":"I'm very well.","start":10.4,"end":11.44,"sentiment":"positive","sentiment_score":0.5893686811129252},{"text":"Thank you.","start":11.44,"end":12.0,"sentiment":"positive","sentiment_score":0.6853237748146057},{"text":"I had yourself and Paul booked in to go through your updated advice document.","start":12.0,"end":15.675,"sentiment":"neutral","sentiment_score":0.29627438315323423},{"text":"Is now still a good time for you both?","start":15.675,"end":17.615,"sentiment":"neutral","sentiment_score":0.22730043530464172}],"sentiment":"neutral","sentiment_score":0.33329638838768005,"channel":0,"num_words":28,"start":10.4,"end":17.615},{"sentences":[{"text":"Not","start":18.465,"end":18.865,"sentiment":"neutral","sentiment_score":-0.0033658314496278763}],"sentiment":"neutral","sentiment_score":-0.0033658314496278763,"channel":1,"num_words":1,"start":18.465,"end":18.865},{"sentences":[{"text":"Yeah.","start":18.475,"end":18.975,"sentiment":"neutral","sentiment_score":-0.0060873376205563545}],"sentiment":"neutral","sentiment_score":-0.0060873376205563545,"channel":0,"num_words":1,"start":18.475,"end":18.975},{"sentences":[{"text":"It will be, I'm sure.","start":19.345001,"end":20.645,"sentiment":"neutral","sentiment_score":-0.0034465127857401965},{"text":"Paul's mowing the lawn.","start":20.785,"end":21.825,"sentiment":"neutral","sentiment_score":-0.013895958196371794},{"text":"Don't wanna stop him because it's gonna rain tomorrow.","start":21.825,"end":23.925,"sentiment":"neutral","sentiment_score":-0.05378401796850893}],"sentiment":"neutral","sentiment_score":-0.03093736435726492,"channel":1,"num_words":18,"start":19.345001,"end":23.925},{"sentences":[{"text":"Oh,","start":24.555,"end":25.055,"sentiment":"neutral","sentiment_score":0.035630032420158386}],"sentiment":"neutral","sentiment_score":0.035630032420158386,"channel":0,"num_words":1,"start":24.555,"end":25.055},{"sentences":[{"text":"That sounds","start":24.865,"end":25.345001,"sentiment":"neutral","sentiment_score":0.09420901164412498}],"sentiment":"neutral","sentiment_score":0.09420901164412498,"channel":1,"num_words":2,"start":24.865,"end":25.345001},{"sentences":[{"text":"okay.","start":25.275002,"end":25.775002,"sentiment":"neutral","sentiment_score":0.0837598592042923}],"sentiment":"neutral","sentiment_score":0.0837598592042923,"channel":0,"num_words":1,"start":25.275002,"end":25.775002},{"sentences":[{"text":"so bad.","start":25.345001,"end":26.085,"sentiment":"neutral","sentiment_score":0.04742890037596226},{"text":"But I guess can you go through some of it with me, and then I'll get him for any important stuff for him?","start":26.48,"end":31.939999,"sentiment":"neutral","sentiment_score":0.05857185128590335}],"sentiment":"neutral","sentiment_score":0.057680415213108065,"channel":1,"num_words":25,"start":25.345001,"end":31.939999},{"sentences":[{"text":"Yeah.","start":32.170002,"end":32.41,"sentiment":"neutral","sentiment_score":0.06639030575752258},{"text":"Yeah.","start":32.41,"end":32.73,"sentiment":"neutral","sentiment_score":0.08449037373065948},{"text":"If you like, that's not a problem at all.","start":32.73,"end":35.07,"sentiment":"neutral","sentiment_score":0.15754191743003},{"text":"Easy","start":35.21,"end":35.61,"sentiment":"neutral","sentiment_score":0.14410969614982605}],"sentiment":"neutral","sentiment_score":0.14273896937568983,"channel":0,"num_words":12,"start":32.170002,"end":35.61},{"sentences":[{"text":"Or do","start":35.36,"end":35.92,"sentiment":"neutral","sentiment_score":0.09760831296443939}],"sentiment":"neutral","sentiment_score":0.09760831296443939,"channel":1,"num_words":2,"start":35.36,"end":35.92},{"sentences":[{"text":"done.","start":35.61,"end":36.11,"sentiment":"neutral","sentiment_score":0.09305126219987868}],"sentiment":"neutral","sentiment_score":0.09305126219987868,"channel":0,"num_words":1,"start":35.61,"end":36.11},{"sentences":[{"text":"or would you rather go to this all the time?","start":36.32,"end":38.66,"sentiment":"neutral","sentiment_score":0.06046794354915619}],"sentiment":"neutral","sentiment_score":0.06046794354915619,"channel":1,"num_words":10,"start":36.32,"end":38.66},{"sentences":[{"text":"It is easier with you both because I'm going through both of your details.","start":38.17,"end":41.55,"sentiment":"neutral","sentiment_score":0.18698746923889434},{"text":"But if you like, I can take you through your section and run him through his.","start":41.61,"end":45.535,"sentiment":"neutral","sentiment_score":0.19885642174631357},{"text":"That's not a problem.","start":45.535,"end":46.335,"sentiment":"neutral","sentiment_score":0.28839872032403946},{"text":"I can make that work for you.","start":46.335,"end":48.195,"sentiment":"neutral","sentiment_score":0.26649494043418337}],"sentiment":"neutral","sentiment_score":0.21508748247856047,"channel":0,"num_words":41,"start":38.17,"end":48.195},{"sentences":[{"text":"Okay.","start":48.445,"end":48.844997,"sentiment":"neutral","sentiment_score":0.06206757202744484},{"text":"Yeah.","start":48.844997,"end":49.085,"sentiment":"neutral","sentiment_score":0.048446547240018845},{"text":"Well, hang on.","start":49.085,"end":49.605,"sentiment":"neutral","sentiment_score":0.03827312091986338},{"text":"I'll just one second.","start":49.605,"end":50.445,"sentiment":"neutral","sentiment_score":0.04188729450106621},{"text":"I'll see if I can find","start":50.445,"end":51.42,"sentiment":"neutral","sentiment_score":0.02859900612384081}],"sentiment":"neutral","sentiment_score":0.03763177978495757,"channel":1,"num_words":15,"start":48.445,"end":51.42},{"sentences":[{"text":"Yeah.","start":51.375,"end":51.775,"sentiment":"neutral","sentiment_score":0.04023618996143341},{"text":"Yeah.","start":51.775,"end":52.095,"sentiment":"neutral","sentiment_score":0.09463179111480712},{"text":"You're right.","start":52.095,"end":52.575,"sentiment":"neutral","sentiment_score":0.1427195742726326},{"text":"That's okay.","start":52.575,"end":53.395,"sentiment":"neutral","sentiment_score":0.2168818786740303}],"sentiment":"neutral","sentiment_score":0.14234514782826105,"channel":0,"num_words":6,"start":51.375,"end":53.395},{"sentences":[{"text":"him.","start":56.3,"end":56.8,"sentiment":"neutral","sentiment_score":0.19310051202774048},{"text":"Actually, he just finished, which is perfect.","start":78.66499,"end":80.524994,"sentiment":"positive","sentiment_score":0.4411953091621399}],"sentiment":"positive","sentiment_score":0.41018345952033997,"channel":1,"num_words":8,"start":56.3,"end":80.524994},{"sentences":[{"text":"Fantastic.","start":81.005005,"end":81.505005,"sentiment":"positive","sentiment_score":0.5900472402572632},{"text":"All good.","start":82.285,"end":83.105,"sentiment":"positive","sentiment_score":0.4662673771381378}],"sentiment":"positive","sentiment_score":0.5075273315111796,"channel":0,"num_words":3,"start":81.005005,"end":83.105},{"sentences":[{"text":"Right timing.","start":82.659996,"end":83.399994,"sentiment":"positive","sentiment_score":0.3858514875173569}],"sentiment":"positive","sentiment_score":0.3858514875173569,"channel":1,"num_words":2,"start":82.659996,"end":83.399994},{"sentences":[{"text":"Fantastic.","start":84.1,"end":84.6,"sentiment":"positive","sentiment_score":0.417061984539032},{"text":"Look, Catherine, I'm just gonna send this document through to you so it's in both of your emails there.","start":84.82,"end":89.56,"sentiment":"neutral","sentiment_score":0.1732060885743091},{"text":"I'm just pressing","start":89.62,"end":90.42,"sentiment":"neutral","sentiment_score":0.08761717627445857}],"sentiment":"neutral","sentiment_score":0.17264474766409915,"channel":0,"num_words":23,"start":84.1,"end":90.42},{"sentences":[{"text":"Yep.","start":90.1,"end":90.6,"sentiment":"neutral","sentiment_score":0.09074413776397704}],"sentiment":"neutral","sentiment_score":0.09074413776397704,"channel":1,"num_words":1,"start":90.1,"end":90.6},{"sentences":[{"text":"send on that now.","start":90.42,"end":91.56,"sentiment":"neutral","sentiment_score":0.11091950908303261},{"text":"Just before we jump into the call and go through things, I do have to let you know, as normal, we do record our calls for quality and training 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easy.","start":486.72,"end":487.7,"sentiment":"neutral","sentiment_score":0.2854480892419815},{"text":"Yep.","start":487.84,"end":488.34,"sentiment":"neutral","sentiment_score":0.05775835365056992}],"sentiment":"neutral","sentiment_score":0.18790984712541103,"channel":0,"num_words":12,"start":484.16,"end":488.34},{"sentences":[{"text":"So, Paul, you know how","start":488.69,"end":489.81,"sentiment":"neutral","sentiment_score":0.020825811475515366}],"sentiment":"neutral","sentiment_score":0.020825811475515366,"channel":1,"num_words":5,"start":488.69,"end":489.81},{"sentences":[{"text":"On","start":489.595,"end":489.835,"sentiment":"neutral","sentiment_score":0.002511005848646164}],"sentiment":"neutral","sentiment_score":0.002511005848646164,"channel":0,"num_words":1,"start":489.595,"end":489.835},{"sentences":[{"text":"with my sorry.","start":489.81,"end":490.77,"sentiment":"neutral","sentiment_score":-0.03456432186067104},{"text":"I'll just explain","start":490.77,"end":491.355,"sentiment":"neutral","sentiment_score":-0.02647240087389946}],"sentiment":"neutral","sentiment_score":-0.03051836136728525,"channel":1,"num_words":6,"start":489.81,"end":491.355},{"sentences":[{"text":"yeah.","start":492.79498,"end":493.03497,"sentiment":"neutral","sentiment_score":0.0022609978914260864},{"text":"That's okay.","start":493.03497,"end":493.935,"sentiment":"neutral","sentiment_score":0.049666255712509155}],"sentiment":"neutral","sentiment_score":0.03386450310548147,"channel":0,"num_words":3,"start":492.79498,"end":493.935},{"sentences":[{"text":"they kept my NDS super Yeah.","start":495.27502,"end":497.075,"sentiment":"neutral","sentiment_score":0.042903315275907516},{"text":"And they transfer so much over because my daughter's insurance is included.","start":497.195,"end":500.495,"sentiment":"neutral","sentiment_score":0.05765612733860811},{"text":"Yep.","start":500.55502,"end":500.875,"sentiment":"neutral","sentiment_score":0.037030719220638275},{"text":"Yeah.","start":500.875,"end":501.27502,"sentiment":"neutral","sentiment_score":0.034058600664138794},{"text":"Yep.","start":501.27502,"end":501.435,"sentiment":"neutral","sentiment_score":0.035348258912563324}],"sentiment":"neutral","sentiment_score":0.050272904691242036,"channel":1,"num_words":21,"start":495.27502,"end":501.435},{"sentences":[{"text":"Yep.","start":501.435,"end":501.935,"sentiment":"neutral","sentiment_score":0.04140135645866394},{"text":"Yep.","start":503.035,"end":503.195,"sentiment":"neutral","sentiment_score":0.035921260714530945},{"text":"Sorry.","start":503.195,"end":503.695,"sentiment":"neutral","sentiment_score":-0.02546497993171215}],"sentiment":"neutral","sentiment_score":0.017285879080494244,"channel":1,"num_words":3,"start":501.435,"end":503.695},{"sentences":[{"text":"No.","start":504.43,"end":504.66998,"sentiment":"neutral","sentiment_score":0.014039374887943268},{"text":"You're absolutely fine.","start":504.66998,"end":506.28998,"sentiment":"neutral","sentiment_score":0.18098835150400797},{"text":"And then on pages five and six, we've got areas that we're not looking for advice at the moment.","start":506.91,"end":511.31,"sentiment":"neutral","sentiment_score":-0.027573731286745323},{"text":"The areas are on cash flow and budgeting.","start":511.31,"end":513.17,"sentiment":"neutral","sentiment_score":-0.017998787865508348},{"text":"Paul's insurance is because he doesn't have any, but he has a really great super balance, which covers majority of you know, basically, it covers all your debts in the event that something was to happen.","start":513.55,"end":522.395,"sentiment":"neutral","sentiment_score":0.1967327277072602}],"sentiment":"neutral","sentiment_score":0.1040521108878971,"channel":0,"num_words":67,"start":504.43,"end":522.395},{"sentences":[{"text":"And then, obviously, the","start":522.85504,"end":523.815,"sentiment":"neutral","sentiment_score":0.06224596034735441}],"sentiment":"neutral","sentiment_score":0.06224596034735441,"channel":0,"num_words":4,"start":522.85504,"end":523.815},{"sentences":[{"text":"Yeah.","start":523.715,"end":524.215,"sentiment":"neutral","sentiment_score":0.03416745737195015}],"sentiment":"neutral","sentiment_score":0.03416745737195015,"channel":1,"num_words":1,"start":523.715,"end":524.215},{"sentences":[{"text":"investment and the investment properties and personal investments there.","start":523.815,"end":526.775,"sentiment":"neutral","sentiment_score":0.06691399796141519},{"text":"But we can always come back and look at these additional areas down the track.","start":526.775,"end":530.46,"sentiment":"neutral","sentiment_score":0.13009623636802037},{"text":"One of the things we talked about was just because, you know, your supers hadn't performed as much as we'd like that then along the investment was down this year, so we wanted to try to get the advice updated, get the super working a bit harder, and replace those underperforming investment straight away, and then come back and look at other advice down the track.","start":530.86005,"end":547.455,"sentiment":"neutral","sentiment_score":-0.06692470423877239},{"text":"Does that still sound appropriate to you both?","start":547.515,"end":549.515,"sentiment":"neutral","sentiment_score":0.10653763031587005},{"text":"Is there any changes or anything that should be different in that area?","start":549.515,"end":553.375,"sentiment":"neutral","sentiment_score":-0.03824324332750761}],"sentiment":"neutral","sentiment_score":-0.013587586246095263,"channel":0,"num_words":111,"start":523.815,"end":553.375},{"sentences":[{"text":"No.","start":554.255,"end":554.41504,"sentiment":"neutral","sentiment_score":-0.09843003749847412},{"text":"I think that's right.","start":554.41504,"end":555.215,"sentiment":"neutral","sentiment_score":0.0028304997831583058},{"text":"This is fine.","start":555.215,"end":555.695,"sentiment":"neutral","sentiment_score":0.3301466107368469},{"text":"Yep.","start":555.695,"end":556.195,"sentiment":"neutral","sentiment_score":0.16567948460578918}],"sentiment":"neutral","sentiment_score":0.11877903093894322,"channel":1,"num_words":9,"start":554.255,"end":556.195},{"sentences":[{"text":"Yep.","start":556.075,"end":556.5,"sentiment":"neutral","sentiment_score":0.16518941521644592},{"text":"Yep.","start":556.74,"end":557.14,"sentiment":"neutral","sentiment_score":0.2713193893432617},{"text":"Perfect.","start":557.14,"end":557.64,"sentiment":"positive","sentiment_score":0.6100659370422363},{"text":"I'm gonna skip a couple of pages now because you do get to go back and have a good look at and review everything afterwards.","start":557.86,"end":563.24,"sentiment":"neutral","sentiment_score":0.30125067591667176},{"text":"But just to kinda jump into the recommendations and go through things with you, if you can scroll down to page number 13 there for me, and this is starting for yourself, Paul.","start":563.3,"end":573.935,"sentiment":"neutral","sentiment_score":0.23876423320987009}],"sentiment":"neutral","sentiment_score":0.269787890744991,"channel":0,"num_words":61,"start":556.075,"end":573.935},{"sentences":[{"text":"Yep.","start":575.235,"end":575.735,"sentiment":"neutral","sentiment_score":0.3201112449169159}],"sentiment":"neutral","sentiment_score":0.3201112449169159,"channel":1,"num_words":1,"start":575.235,"end":575.735},{"sentences":[{"text":"Beautiful.","start":576.39496,"end":576.89496,"sentiment":"positive","sentiment_score":0.5754783153533936},{"text":"So, essentially, I did have a look at your super funds as a whole, both of them.","start":577.035,"end":581.69495,"sentiment":"neutral","sentiment_score":0.14195847248329835},{"text":"Essentially, I am recommending you do stay within hub twenty four.","start":582.07495,"end":585.36,"sentiment":"neutral","sentiment_score":0.1188352145254612},{"text":"Essentially, when I sort of go back and look at the research, I look at Hub twenty four as a platform, but also all the other platforms out there.","start":585.76,"end":592.18,"sentiment":"neutral","sentiment_score":0.04832335869813788},{"text":"I look at sorry.","start":592.24,"end":593.51996,"sentiment":"neutral","sentiment_score":-0.04507945477962494}],"sentiment":"neutral","sentiment_score":0.08898418210446835,"channel":0,"num_words":62,"start":576.39496,"end":593.51996},{"sentences":[{"text":"All the investments that you have within the platform, you guys are both balanced growth investors.","start":593.51996,"end":598.645,"sentiment":"neutral","sentiment_score":0.0011674102861434221},{"text":"So it has that seventy thirty split between growth and defensive investments as we kinda went through.","start":598.645,"end":603.945,"sentiment":"neutral","sentiment_score":-0.04204655898844495},{"text":"Essentially, if I had a looked at and, realistically, we did assess it, but, technically, decided not to go that way.","start":604.405,"end":610.825,"sentiment":"neutral","sentiment_score":-0.17533990740776062},{"text":"But for yourself, Paul, if we had have looked at, say, selling all of your investments down and moving you to a new platform, the full sell down would have meant your super fund had a tax liability of 7,000 oh, sorry.","start":610.94,"end":623.5,"sentiment":"neutral","sentiment_score":-0.17604925935821875},{"text":"$17,252.20.","start":623.5,"end":626.835,"sentiment":"neutral","sentiment_score":0.024918992072343823}],"sentiment":"neutral","sentiment_score":-0.12110722571918645,"channel":0,"num_words":97,"start":593.51996,"end":626.835},{"sentences":[{"text":"Hello?","start":627.22003,"end":627.72003,"sentiment":"neutral","sentiment_score":0.005333537235856056}],"sentiment":"neutral","sentiment_score":0.005333537235856056,"channel":1,"num_words":1,"start":627.22003,"end":627.72003},{"sentences":[{"text":"So remember last time we talked about when we're looking at switching investments, your super fund, like you, does a tax return.","start":627.315,"end":633.395,"sentiment":"neutral","sentiment_score":0.005721529310738499},{"text":"It pays income tax and capital gains tax.","start":633.395,"end":636.215,"sentiment":"neutral","sentiment_score":0.008407367393374443}],"sentiment":"neutral","sentiment_score":0.006437752799441417,"channel":0,"num_words":30,"start":627.315,"end":636.215},{"sentences":[{"text":"Yeah.","start":636.805,"end":637.305,"sentiment":"neutral","sentiment_score":0.03806941956281662}],"sentiment":"neutral","sentiment_score":0.03806941956281662,"channel":1,"num_words":1,"start":636.805,"end":637.305},{"sentences":[{"text":"So part of what I did to go back and review everything was to look at the tax consequences and what that might look like for you for your super fund.","start":636.91504,"end":644.06,"sentiment":"neutral","sentiment_score":0.038226190180848205},{"text":"And, essentially, because, you know, as much as you got a really great balance, you've had a lot of growth in there as well even though the performance hasn't been where we sorta like it to be for the year.","start":644.52,"end":653.205,"sentiment":"neutral","sentiment_score":0.2484912066720426},{"text":"So if we had a sold down everything and moved you to another fund, yeah, it would have essentially meant there would have been capital gains to your fund of over $17,252.","start":653.525,"end":663.925,"sentiment":"neutral","sentiment_score":-0.06234758807113394},{"text":"So I discounted that and didn't go that way and then looked at other ways to alter your portfolio for you so that you could retain hub twenty four, still switch the investments out and have them working a bit harder for you and also save on fees.","start":663.925,"end":678.31,"sentiment":"neutral","sentiment_score":0.01871292743210991},{"text":"Okay?","start":678.52997,"end":679.02997,"sentiment":"neutral","sentiment_score":0.051949504762887955}],"sentiment":"neutral","sentiment_score":0.06631386424813077,"channel":0,"num_words":152,"start":636.91504,"end":679.02997},{"sentences":[{"text":"Yep.","start":678.91003,"end":679.31,"sentiment":"neutral","sentiment_score":0.08162543177604675},{"text":"Yep.","start":679.31,"end":679.81,"sentiment":"neutral","sentiment_score":0.14746801555156708},{"text":"Thank you.","start":679.95,"end":680.77,"sentiment":"positive","sentiment_score":0.5609937012195587}],"sentiment":"positive","sentiment_score":0.3377702124416828,"channel":1,"num_words":4,"start":678.91003,"end":680.77},{"sentences":[{"text":"Excellent.","start":680.615,"end":681.115,"sentiment":"positive","sentiment_score":0.6069539785385132},{"text":"That's okay.","start":681.175,"end":681.975,"sentiment":"positive","sentiment_score":0.4098726063966751},{"text":"If you go down to page number 17 for me, this is your fee comparison table which outlines essentially the recommendations and a lot of the reasoning behind why I've recommended this for you.","start":681.975,"end":693.59503,"sentiment":"neutral","sentiment_score":0.17608719362932093}],"sentiment":"neutral","sentiment_score":0.2003692912088858,"channel":0,"num_words":37,"start":680.615,"end":693.59503},{"sentences":[{"text":"Yep.","start":695.605,"end":696.105,"sentiment":"neutral","sentiment_score":0.210018128156662}],"sentiment":"neutral","sentiment_score":0.210018128156662,"channel":1,"num_words":1,"start":695.605,"end":696.105},{"sentences":[{"text":"Beautiful.","start":696.99,"end":697.49,"sentiment":"positive","sentiment_score":0.4370182752609253},{"text":"So, essentially, at the moment within the hub twenty four, you've got your current balance at the 951,054.","start":698.35004,"end":705.33,"sentiment":"neutral","sentiment_score":0.16651605069637299},{"text":"You've also got your administration fees, investment fees, any other fees applicable, your ongoing service fee and contributions in there as well.","start":705.63,"end":713.145,"sentiment":"neutral","sentiment_score":0.13492693108591167},{"text":"Those contributions are net, so after the taxes have been taken out inside the super system.","start":713.445,"end":719.145,"sentiment":"neutral","sentiment_score":0.10640225419774652},{"text":"Within your hub twenty four, you're in that balance growth environment currently.","start":720.085,"end":723.945,"sentiment":"neutral","sentiment_score":0.1532533789674441}],"sentiment":"neutral","sentiment_score":0.14411849690520245,"channel":0,"num_words":69,"start":696.99,"end":723.945},{"sentences":[{"text":"And when we kind of look at how these investments have performed over the past five years, it's averaged about 7.57%.","start":724.47,"end":731.05,"sentiment":"neutral","sentiment_score":0.08963933977342788},{"text":"So while it's not bad, it's not exactly where you'd sort of want it to be.","start":731.11,"end":735.20996,"sentiment":"neutral","sentiment_score":-0.08768472191877663},{"text":"Realistically, a balanced growth environment, you're looking to get between six to 8% on a yearly basis and compounding that forward.","start":735.26996,"end":741.865,"sentiment":"neutral","sentiment_score":0.1202901222166561},{"text":"This does hit that, but Benelon has been holding it down.","start":742.085,"end":746.245,"sentiment":"neutral","sentiment_score":-0.08888452364639803},{"text":"And, realistically, we wanna get the best out of our super.","start":746.405,"end":749.125,"sentiment":"neutral","sentiment_score":0.2501096007498828}],"sentiment":"neutral","sentiment_score":0.05973798749037087,"channel":0,"num_words":80,"start":724.47,"end":749.125},{"sentences":[{"text":"Just because you can get a six to 8% return doesn't mean you want don't want more.","start":749.125,"end":753.60504,"sentiment":"neutral","sentiment_score":0.18699807783260064},{"text":"We wanna make sure we're getting the best out of our super no matter what portfolio we're in.","start":753.60504,"end":758.04004,"sentiment":"neutral","sentiment_score":0.3010419052508142}],"sentiment":"neutral","sentiment_score":0.24564918907625335,"channel":0,"num_words":35,"start":749.125,"end":758.04004},{"sentences":[{"text":"Yep.","start":758.42,"end":758.92,"sentiment":"neutral","sentiment_score":0.09292435646057128}],"sentiment":"neutral","sentiment_score":0.09292435646057128,"channel":1,"num_words":1,"start":758.42,"end":758.92},{"sentences":[{"text":"So what I am recommending for you is, as for the next column, we retain HUB 24.","start":758.58,"end":763.88,"sentiment":"neutral","sentiment_score":0.0673895315541064},{"text":"Essentially, we are gonna switch the investments within that, and we understand, as as I 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correct?","start":799.145,"end":800.045,"sentiment":"neutral","sentiment_score":0.006243702334662278}],"sentiment":"neutral","sentiment_score":-0.19866300211288035,"channel":1,"num_words":12,"start":795.7,"end":800.045},{"sentences":[{"text":"Yep.","start":799.545,"end":799.945,"sentiment":"neutral","sentiment_score":0.017695773392915726},{"text":"Yeah.","start":799.945,"end":800.425,"sentiment":"neutral","sentiment_score":0.025663182139396667}],"sentiment":"neutral","sentiment_score":0.021679477766156197,"channel":0,"num_words":2,"start":799.545,"end":800.425},{"sentences":[{"text":"Investing","start":800.105,"end":800.585,"sentiment":"neutral","sentiment_score":0.023025378584861755}],"sentiment":"neutral","sentiment_score":0.023025378584861755,"channel":1,"num_words":1,"start":800.105,"end":800.585},{"sentences":[{"text":"Yeah.","start":800.425,"end":800.745,"sentiment":"neutral","sentiment_score":0.019360139966011047}],"sentiment":"neutral","sentiment_score":0.019360139966011047,"channel":0,"num_words":1,"start":800.425,"end":800.745},{"sentences":[{"text":"in 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it?","start":1282.38,"end":1286.4,"sentiment":"neutral","sentiment_score":-0.03797608975540189}],"sentiment":"neutral","sentiment_score":-0.03797608975540189,"channel":1,"num_words":17,"start":1282.38,"end":1286.4},{"sentences":[{"text":"Yeah.","start":1286.51,"end":1286.8301,"sentiment":"neutral","sentiment_score":0.023267149925231937},{"text":"Correct.","start":1286.8301,"end":1287.3301,"sentiment":"neutral","sentiment_score":0.07608600705862045},{"text":"Absolutely.","start":1287.4701,"end":1287.9701,"sentiment":"neutral","sentiment_score":0.13166610896587372}],"sentiment":"neutral","sentiment_score":0.07700642198324203,"channel":0,"num_words":3,"start":1286.51,"end":1287.9701},{"sentences":[{"text":"Yes.","start":1287.9,"end":1288.4,"sentiment":"neutral","sentiment_score":0.1477348655462265}],"sentiment":"neutral","sentiment_score":0.1477348655462265,"channel":1,"num_words":1,"start":1287.9,"end":1288.4},{"sentences":[{"text":"Absolutely.","start":1288.43,"end":1288.93,"sentiment":"neutral","sentiment_score":0.22098250687122345},{"text":"It's","start":1289.39,"end":1289.7101,"sentiment":"neutral","sentiment_score":0.1984891891479492}],"sentiment":"neutral","sentiment_score":0.20973584800958633,"channel":0,"num_words":2,"start":1288.43,"end":1289.7101},{"sentences":[{"text":"Okay.","start":1289.66,"end":1289.8201,"sentiment":"neutral","sentiment_score":0.22454191744327545}],"sentiment":"neutral","sentiment_score":0.22454191744327545,"channel":1,"num_words":1,"start":1289.66,"end":1289.8201},{"sentences":[{"text":"also","start":1289.7101,"end":1290.03,"sentiment":"neutral","sentiment_score":0.24883879721164703}],"sentiment":"neutral","sentiment_score":0.24883879721164703,"channel":0,"num_words":1,"start":1289.7101,"end":1290.03},{"sentences":[{"text":"Perfect.","start":1289.8201,"end":1290.3201,"sentiment":"positive","sentiment_score":0.3991917073726654}],"sentiment":"positive","sentiment_score":0.3991917073726654,"channel":1,"num_words":1,"start":1289.8201,"end":1290.3201},{"sentences":[{"text":"good to sort of look at where these investments have come from.","start":1290.03,"end":1292.8301,"sentiment":"neutral","sentiment_score":0.2055002332975467},{"text":"So the other thing I like to look at is what kind of downtimes the investments have been through.","start":1292.8301,"end":1297.4349,"sentiment":"neutral","sentiment_score":-0.027246389538049698},{"text":"Most of these investments have been through, downtimes like the GFC and COVID.","start":1297.4349,"end":1301.835,"sentiment":"neutral","sentiment_score":-0.06333453150895926},{"text":"They've gone through that.","start":1301.835,"end":1302.875,"sentiment":"neutral","sentiment_score":-0.03002266027033329},{"text":"They've come back and they've stayed.","start":1302.875,"end":1304.575,"sentiment":"neutral","sentiment_score":0.06150070329507192}],"sentiment":"neutral","sentiment_score":0.025442334581856376,"channel":0,"num_words":54,"start":1290.03,"end":1304.575},{"sentences":[{"text":"People have continued to invest into them.","start":1305.0349,"end":1307.115,"sentiment":"neutral","sentiment_score":0.2682080034698759},{"text":"So they are good quality investments.","start":1307.115,"end":1307.147,"sentiment":"positive","sentiment_score":0.40548427402973175},{"text":"They've been around for a really long time, and they can withstand that market volatility, which is important as well.","start":1307.147,"end":1314.8,"sentiment":"neutral","sentiment_score":0.09923109468072652},{"text":"I wouldn't","start":1314.9401,"end":1315.3401,"sentiment":"neutral","sentiment_score":-0.1250261440873146}],"sentiment":"neutral","sentiment_score":0.17271232211164067,"channel":0,"num_words":35,"start":1305.0349,"end":1315.3401},{"sentences":[{"text":"Yes.","start":1315.2799,"end":1315.7799,"sentiment":"neutral","sentiment_score":-0.11653491854667664}],"sentiment":"neutral","sentiment_score":-0.11653491854667664,"channel":1,"num_words":1,"start":1315.2799,"end":1315.7799},{"sentences":[{"text":"wanna invest you in anything which has only been around for one or two years","start":1315.3401,"end":1319.4401,"sentiment":"neutral","sentiment_score":-0.13956556121508282}],"sentiment":"neutral","sentiment_score":-0.13956556121508282,"channel":0,"num_words":15,"start":1315.3401,"end":1319.4401},{"sentences":[{"text":"No.","start":1319.76,"end":1320.26,"sentiment":"neutral","sentiment_score":-0.15264326333999634}],"sentiment":"neutral","sentiment_score":-0.15264326333999634,"channel":1,"num_words":1,"start":1319.76,"end":1320.26},{"sentences":[{"text":"where it doesn't have that history of or it doesn't have that history or longevity of investment time horizon, and it doesn't show that it's been through the ups and downs the market can provide to you.","start":1319.8201,"end":1331.475,"sentiment":"neutral","sentiment_score":-0.18360703821117813},{"text":"So that's why these sorts of investments are good quality and worth investing in, 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please","start":1340.3899,"end":1341.4299,"sentiment":"neutral","sentiment_score":-0.048467276617884636}],"sentiment":"neutral","sentiment_score":0.10266691073775291,"channel":0,"num_words":12,"start":1338.1499,"end":1341.4299},{"sentences":[{"text":"Sure.","start":1341.1499,"end":1341.63,"sentiment":"neutral","sentiment_score":-0.03887435793876648}],"sentiment":"neutral","sentiment_score":-0.03887435793876648,"channel":1,"num_words":1,"start":1341.1499,"end":1341.63},{"sentences":[{"text":"tell me.","start":1341.4299,"end":1342.09,"sentiment":"neutral","sentiment_score":-0.027174830436706543}],"sentiment":"neutral","sentiment_score":-0.027174830436706543,"channel":0,"num_words":2,"start":1341.4299,"end":1342.09},{"sentences":[{"text":"No.","start":1341.63,"end":1341.95,"sentiment":"neutral","sentiment_score":-0.05853773653507233},{"text":"It does.","start":1341.95,"end":1342.4299,"sentiment":"neutral","sentiment_score":0.007661672309041023},{"text":"It does.","start":1342.4299,"end":1343.1699,"sentiment":"neutral","sentiment_score":0.031249817460775375}],"sentiment":"neutral","sentiment_score":0.003857048600912094,"channel":1,"num_words":5,"start":1341.63,"end":1343.1699},{"sentences":[{"text":"Yeah.","start":1343.11,"end":1343.61,"sentiment":"neutral","sentiment_score":0.18874627351760864},{"text":"Excellent.","start":1343.75,"end":1344.25,"sentiment":"positive","sentiment_score":0.5764738917350769}],"sentiment":"positive","sentiment_score":0.3826100826263428,"channel":0,"num_words":2,"start":1343.11,"end":1344.25},{"sentences":[{"text":"Thanks.","start":1344.2699,"end":1344.7699,"sentiment":"positive","sentiment_score":0.5742530822753906}],"sentiment":"positive","sentiment_score":0.5742530822753906,"channel":1,"num_words":1,"start":1344.2699,"end":1344.7699},{"sentences":[{"text":"Excellent.","start":1344.3899,"end":1344.8899,"sentiment":"positive","sentiment_score":0.597083568572998},{"text":"That's okay.","start":1345.5099,"end":1346.23,"sentiment":"positive","sentiment_score":0.5005664080381393},{"text":"It's all good.","start":1346.23,"end":1347.1299,"sentiment":"positive","sentiment_score":0.5443791151046753},{"text":"So we're just gonna sell a little bit of your physical gold off.","start":1347.5099,"end":1350.3899,"sentiment":"neutral","sentiment_score":0.15629803561247313},{"text":"We are gonna cement that, cement the growth you've had there, and redistribute that across your portfolio.","start":1350.3899,"end":1356.385,"sentiment":"neutral","sentiment_score":0.1640418224474963}],"sentiment":"neutral","sentiment_score":0.22366497707035807,"channel":0,"num_words":36,"start":1344.3899,"end":1356.385},{"sentences":[{"text":"One of the things I like to sort of point out is that physical gold is a growth investment.","start":1357.005,"end":1361.505,"sentiment":"neutral","sentiment_score":0.17877560775530965},{"text":"It does see growth, but there's no income production that 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if","start":1377.545,"end":1379.545,"sentiment":"neutral","sentiment_score":0.00590922380797565}],"sentiment":"neutral","sentiment_score":0.00590922380797565,"channel":1,"num_words":6,"start":1377.545,"end":1379.545},{"sentences":[{"text":"Absolutely.","start":1379.3401,"end":1379.8401,"sentiment":"neutral","sentiment_score":0.0048363530077040195}],"sentiment":"neutral","sentiment_score":0.0048363530077040195,"channel":0,"num_words":1,"start":1379.3401,"end":1379.8401},{"sentences":[{"text":"you say so if you invest in shares, you 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correct.","start":1387.805,"end":1388.625,"sentiment":"neutral","sentiment_score":0.011779625434428453}],"sentiment":"neutral","sentiment_score":0.011779625434428453,"channel":0,"num_words":2,"start":1387.805,"end":1388.625},{"sentences":[{"text":"correct?","start":1388.57,"end":1389.07,"sentiment":"neutral","sentiment_score":0.017128169536590576}],"sentiment":"neutral","sentiment_score":0.017128169536590576,"channel":1,"num_words":1,"start":1388.57,"end":1389.07},{"sentences":[{"text":"Yeah.","start":1388.685,"end":1389.185,"sentiment":"neutral","sentiment_score":0.029892608523368835},{"text":"Yep.","start":1389.245,"end":1389.745,"sentiment":"neutral","sentiment_score":0.03493967279791832}],"sentiment":"neutral","sentiment_score":0.03241614066064358,"channel":0,"num_words":2,"start":1388.685,"end":1389.745},{"sentences":[{"text":"Well, that's interesting.","start":1390.33,"end":1391.3099,"sentiment":"neutral","sentiment_score":0.043171616892019905},{"text":"That's 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and what we look at is exchange traded funds or ETFs and managed funds that pay dividends.","start":1398.9401,"end":1405.84,"sentiment":"neutral","sentiment_score":0.034312864765524864},{"text":"Those","start":1406.38,"end":1406.62,"sentiment":"neutral","sentiment_score":0.027646776288747787}],"sentiment":"neutral","sentiment_score":0.03416928711036841,"channel":0,"num_words":27,"start":1397.5801,"end":1406.62},{"sentences":[{"text":"Yeah.","start":1406.585,"end":1407.085,"sentiment":"neutral","sentiment_score":0.04279620200395584}],"sentiment":"neutral","sentiment_score":0.04279620200395584,"channel":1,"num_words":1,"start":1406.585,"end":1407.085},{"sentences":[{"text":"dividends are paid into your cash account, and then they are back into your portfolio.","start":1406.62,"end":1411.715,"sentiment":"neutral","sentiment_score":0.06689471602439881},{"text":"And that helps with 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next one under there is your core composite bond.","start":1422.51,"end":1424.99,"sentiment":"neutral","sentiment_score":0.07983571514487267},{"text":"So because we are removing the bank hybrids from the portfolio, we're gonna reinvest and keep some defensive assets.","start":1424.99,"end":1430.85,"sentiment":"neutral","sentiment_score":0.07854041065040387},{"text":"Your core composite bonds provide that.","start":1430.99,"end":1432.99,"sentiment":"neutral","sentiment_score":0.12189788247148196}],"sentiment":"neutral","sentiment_score":0.08985832776572253,"channel":0,"num_words":37,"start":1419.935,"end":1432.99},{"sentences":[{"text":"We wanna hold 30% because that's sort of, you know, 30% defensive, 70% growth within that balance growth asset allocation there.","start":1432.99,"end":1441.385,"sentiment":"neutral","sentiment_score":0.11348407538164229},{"text":"So core composite bonds, think of them like term 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you.","start":1475.125,"end":1481.8451,"sentiment":"positive","sentiment_score":0.518307376652956},{"text":"Okay?","start":1481.8451,"end":1482.3451,"sentiment":"neutral","sentiment_score":0.1329159140586853}],"sentiment":"positive","sentiment_score":0.3803914731834084,"channel":0,"num_words":64,"start":1464.1101,"end":1482.3451},{"sentences":[{"text":"Yep.","start":1483.1399,"end":1483.6399,"sentiment":"neutral","sentiment_score":0.1398952603340149}],"sentiment":"neutral","sentiment_score":0.1398952603340149,"channel":1,"num_words":1,"start":1483.1399,"end":1483.6399},{"sentences":[{"text":"Yep.","start":1483.83,"end":1484.31,"sentiment":"neutral","sentiment_score":0.18961212038993835},{"text":"Beautiful.","start":1484.31,"end":1484.81,"sentiment":"positive","sentiment_score":0.4554872810840606},{"text":"Underneath that, you've got the S and P 500.","start":1485.67,"end":1488.07,"sentiment":"neutral","sentiment_score":0.07510828889078563},{"text":"So this is giving you exposure to the top 500 companies on The US market.","start":1488.07,"end":1492.65,"sentiment":"neutral","sentiment_score":0.12447073856989542},{"text":"Fun fact, the S and P 500 can basically encompass anywhere from 500 to 520 different companies, and you are tracking the top 500 also companies on The US market there.","start":1493.67,"end":1505.5349,"sentiment":"neutral","sentiment_score":0.1537418697149523}],"sentiment":"neutral","sentiment_score":0.13954619370531618,"channel":0,"num_words":57,"start":1483.83,"end":1505.5349},{"sentences":[{"text":"One of the things I do like about these sorts of investments are they are they're always tracking the top 500 companies.","start":1506.235,"end":1512.76,"sentiment":"neutral","sentiment_score":0.25249037417498504},{"text":"Essentially, it follows the S and P 500 index, and the maker of the indices actually meets every quarter, and they reassess which companies are eligible to be within that indices.","start":1512.8201,"end":1523.8,"sentiment":"neutral","sentiment_score":0.2006740685432188},{"text":"If at any point a company no no longer meets the criteria to be in the indices, they are removed out of there, and then all the investments that track the indices follow suit.","start":1524.535,"end":1534.935,"sentiment":"neutral","sentiment_score":-0.026132321724777714},{"text":"They remove those investments and replace them with anything that has been put back into the s P 500.","start":1534.935,"end":1540.62,"sentiment":"neutral","sentiment_score":0.036872594176154384},{"text":"So you're always tracking that S and P 500, the top 500 companies in The US, and it is a more of a passive investment, which is great.","start":1540.76,"end":1549.26,"sentiment":"neutral","sentiment_score":0.29557493169392857}],"sentiment":"neutral","sentiment_score":0.14823778205092497,"channel":0,"num_words":134,"start":1506.235,"end":1549.26},{"sentences":[{"text":"At the moment, it has done really well as much as there's been a lot of up and down within The US.","start":1549.5599,"end":1554.38,"sentiment":"neutral","sentiment_score":-0.05875882184640928},{"text":"These sorts of investments have done really well still.","start":1554.705,"end":1557.445,"sentiment":"neutral","sentiment_score":0.23726785679658255},{"text":"You've got about 29% in your portfolio currently.","start":1557.825,"end":1561.125,"sentiment":"neutral","sentiment_score":0.1753333890810609},{"text":"We only wanna hold about 25% currently, so we are just gonna rebalance it back a little bit, sell some of the investment, and rewrite you back to 25% there.","start":1561.1849,"end":1571.6599,"sentiment":"neutral","sentiment_score":-0.027307852730154993},{"text":"Okay?","start":1571.6599,"end":1572.1599,"sentiment":"neutral","sentiment_score":0.06408587843179703}],"sentiment":"neutral","sentiment_score":0.021289057710341047,"channel":0,"num_words":70,"start":1549.5599,"end":1572.1599},{"sentences":[{"text":"Yeah.","start":1572.725,"end":1573.225,"sentiment":"neutral","sentiment_score":0.08120150864124298}],"sentiment":"neutral","sentiment_score":0.08120150864124298,"channel":1,"num_words":1,"start":1572.725,"end":1573.225},{"sentences":[{"text":"And then the last two investments are the BetaShares Raffi Aussie two hundred and the BetaShares Australia two hundred.","start":1573.98,"end":1579.9,"sentiment":"neutral","sentiment_score":0.06210964374048145},{"text":"This is giving you exposure to essentially, between the two, the top 200 companies within the Australian market.","start":1579.9,"end":1585.865,"sentiment":"neutral","sentiment_score":0.10590798573361503},{"text":"The Raffy also gives you some exposure to big cap stocks as well.","start":1585.865,"end":1589.325,"sentiment":"neutral","sentiment_score":0.12152607681659552},{"text":"Essentially, between the two, we wanna hold 12% of each investment.","start":1589.865,"end":1593.6449,"sentiment":"neutral","sentiment_score":0.0835481770336628},{"text":"You currently do have the Raffy, so we're just going to reweight that and sell a small portion and buy into the a 200 there.","start":1594.0901,"end":1602.1101,"sentiment":"neutral","sentiment_score":0.08394975662231445}],"sentiment":"neutral","sentiment_score":0.08934930041648967,"channel":0,"num_words":86,"start":1573.98,"end":1602.1101},{"sentences":[{"text":"A lot of people look at these.","start":1602.4901,"end":1603.8501,"sentiment":"neutral","sentiment_score":0.148502311536244},{"text":"They do invest in different companies.","start":1603.8501,"end":1605.87,"sentiment":"neutral","sentiment_score":0.12499379490812619},{"text":"You're not doubling up by having both of these investments.","start":1605.93,"end":1607.5034,"sentiment":"neutral","sentiment_score":0.18872935175895691},{"text":"It's actually giving you actually giving you greater exposure and diversification and providing a lot more exposure into Australian equities, which is what we wanna see as well.","start":1607.5034,"end":1616.915,"sentiment":"positive","sentiment_score":0.35063428218875614},{"text":"So you'll hold about 24% of Australian equities in the portfolio as well.","start":1616.915,"end":1622.615,"sentiment":"neutral","sentiment_score":0.26294919504569125}],"sentiment":"neutral","sentiment_score":0.2642636235104874,"channel":0,"num_words":64,"start":1602.4901,"end":1622.615},{"sentences":[{"text":"And these two investments are quite passive.","start":1622.91,"end":1624.91,"sentiment":"positive","sentiment_score":0.4018343303884779},{"text":"They are low cost, but they do give you really good exposure.","start":1624.91,"end":1627.7101,"sentiment":"positive","sentiment_score":0.6304753373066584},{"text":"And the Australian market as a whole still has provided really good returns.","start":1627.7101,"end":1632.2101,"sentiment":"positive","sentiment_score":0.7750046849250793},{"text":"Essentially, by removing Van Alung, keeping the Raffy, and then also including the a 200 in this investment, you're actually providing yourself with greater diversification, which helps to mitigate long term market risk sorry, long term market risk and also helps to provide really good returns and a good exposure to a good class of good quality companies on the Australian market as well.","start":1633.0701,"end":1656.05,"sentiment":"positive","sentiment_score":0.47819587937556207},{"text":"Does","start":1656.27,"end":1656.51,"sentiment":"neutral","sentiment_score":0.07043939083814621}],"sentiment":"positive","sentiment_score":0.5270987725288597,"channel":0,"num_words":97,"start":1622.91,"end":1656.51},{"sentences":[{"text":"Yeah.","start":1656.365,"end":1656.63,"sentiment":"neutral","sentiment_score":0.11163599789142609}],"sentiment":"neutral","sentiment_score":0.11163599789142609,"channel":1,"num_words":1,"start":1656.365,"end":1656.63},{"sentences":[{"text":"that make sense?","start":1656.51,"end":1657.2301,"sentiment":"neutral","sentiment_score":0.08094638337691624},{"text":"Do you have any questions in relation to any of that?","start":1657.2301,"end":1659.9701,"sentiment":"neutral","sentiment_score":0.02515446360815655}],"sentiment":"neutral","sentiment_score":0.03710987498717649,"channel":0,"num_words":14,"start":1656.51,"end":1659.9701},{"sentences":[{"text":"No.","start":1660.63,"end":1661.03,"sentiment":"neutral","sentiment_score":-0.03093525394797325},{"text":"All good.","start":1661.03,"end":1661.27,"sentiment":"neutral","sentiment_score":0.06281781941652298},{"text":"Thanks.","start":1661.27,"end":1661.77,"sentiment":"neutral","sentiment_score":0.18932700157165527}],"sentiment":"neutral","sentiment_score":0.071006846614182,"channel":1,"num_words":4,"start":1660.63,"end":1661.77},{"sentences":[{"text":"Yeah.","start":1662.11,"end":1662.43,"sentiment":"neutral","sentiment_score":0.2606319785118103},{"text":"Beautiful.","start":1662.43,"end":1662.93,"sentiment":"positive","sentiment_score":0.46853968501091},{"text":"So that's essentially changes to your portfolio.","start":1663.0701,"end":1665.375,"sentiment":"neutral","sentiment_score":0.21482554929597036},{"text":"It's just utilizing a lot of what we had, replacing the things we needed to, and making sure to rebalance for you as well.","start":1665.835,"end":1672.4149,"sentiment":"neutral","sentiment_score":0.27835641118387383},{"text":"Just making those simple changes there essentially means that we are expected to save on investment fees, save about $1,303 there.","start":1673.115,"end":1682.1901,"sentiment":"neutral","sentiment_score":0.326739448876608}],"sentiment":"neutral","sentiment_score":0.29213023710030095,"channel":0,"num_words":54,"start":1662.11,"end":1682.1901},{"sentences":[{"text":"And to make those changes, as I mentioned, the CDT costs are only expected to be $689 as well.","start":1682.1901,"end":1688.43,"sentiment":"neutral","sentiment_score":0.2888629005143517},{"text":"So this has provided greater past performance.","start":1688.43,"end":1691.01,"sentiment":"positive","sentiment_score":0.5283687966210502},{"text":"It's a lower cost portfolio for you, and it's also had greater past performance, which we can if we get the same market conditions, provide a greater future performance there as well.","start":1691.0701,"end":1702.825,"sentiment":"positive","sentiment_score":0.5633929278701544},{"text":"I do wanna","start":1703.125,"end":1703.6849,"sentiment":"neutral","sentiment_score":0.07339444880684216}],"sentiment":"positive","sentiment_score":0.4497661266292705,"channel":0,"num_words":61,"start":1682.1901,"end":1703.6849},{"sentences":[{"text":"Yes.","start":1703.4651,"end":1703.9651,"sentiment":"neutral","sentiment_score":0.0896410271525383}],"sentiment":"neutral","sentiment_score":0.0896410271525383,"channel":1,"num_words":1,"start":1703.4651,"end":1703.9651},{"sentences":[{"text":"make sure we review these investments with you regularly to make sure they are working.","start":1703.6849,"end":1707.5249,"sentiment":"neutral","sentiment_score":0.1045395748068889},{"text":"And if anything else needs to be moved out the portfolio, we make sure that we do that for you as well.","start":1707.5249,"end":1712.64,"sentiment":"neutral","sentiment_score":0.20395969226956367},{"text":"Okay.","start":1712.7,"end":1713.2,"sentiment":"neutral","sentiment_score":0.07046506553888321}],"sentiment":"neutral","sentiment_score":0.16120189256770046,"channel":0,"num_words":38,"start":1703.6849,"end":1713.2},{"sentences":[{"text":"Alright.","start":1713.0,"end":1713.32,"sentiment":"neutral","sentiment_score":0.08058823645114899},{"text":"Can I just ask a question?","start":1713.32,"end":1714.7,"sentiment":"neutral","sentiment_score":0.056895136212309204},{"text":"I think","start":1715.0,"end":1715.3999,"sentiment":"neutral","sentiment_score":0.13819357752799988}],"sentiment":"neutral","sentiment_score":0.07759402319788933,"channel":1,"num_words":9,"start":1713.0,"end":1715.3999},{"sentences":[{"text":"Absolutely.","start":1715.34,"end":1715.84,"sentiment":"neutral","sentiment_score":0.3221060037612915}],"sentiment":"neutral","sentiment_score":0.3221060037612915,"channel":0,"num_words":1,"start":1715.34,"end":1715.84},{"sentences":[{"text":"I spoke to your last week or something.","start":1715.3999,"end":1719.2599,"sentiment":"neutral","sentiment_score":0.10627872310578823}],"sentiment":"neutral","sentiment_score":0.10627872310578823,"channel":1,"num_words":8,"start":1715.3999,"end":1719.2599},{"sentences":[{"text":"Yeah.","start":1719.58,"end":1720.08,"sentiment":"neutral","sentiment_score":0.12928272783756256}],"sentiment":"neutral","sentiment_score":0.12928272783756256,"channel":0,"num_words":1,"start":1719.58,"end":1720.08},{"sentences":[{"text":"If I hope I think she passed it on to you.","start":1720.5199,"end":1723.355,"sentiment":"neutral","sentiment_score":0.1694500527598641},{"text":"If we didn't have the Benelon, just 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that was Ben Long and just whatever those amount was invested","start":1738.5499,"end":1742.5499,"sentiment":"neutral","sentiment_score":0.04627703316509724}],"sentiment":"neutral","sentiment_score":0.04627703316509724,"channel":1,"num_words":12,"start":1738.5499,"end":1742.5499},{"sentences":[{"text":"Mhmm.","start":1742.21,"end":1742.71,"sentiment":"neutral","sentiment_score":0.04171440005302429}],"sentiment":"neutral","sentiment_score":0.04171440005302429,"channel":0,"num_words":1,"start":1742.21,"end":1742.71},{"sentences":[{"text":"in even just neutral and 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negative, not positive.","start":1746.23,"end":1747.69,"sentiment":"neutral","sentiment_score":-0.06111613754183054},{"text":"What percentage","start":1747.99,"end":1748.71,"sentiment":"neutral","sentiment_score":0.01692058891057968}],"sentiment":"neutral","sentiment_score":-0.03510389539102713,"channel":1,"num_words":6,"start":1746.23,"end":1748.71},{"sentences":[{"text":"Mhmm.","start":1748.37,"end":1748.87,"sentiment":"neutral","sentiment_score":0.03515072911977768}],"sentiment":"neutral","sentiment_score":0.03515072911977768,"channel":0,"num_words":1,"start":1748.37,"end":1748.87},{"sentences":[{"text":"would we have made?","start":1748.71,"end":1749.4299,"sentiment":"neutral","sentiment_score":0.028749348130077124},{"text":"Because when he told us it was about seven point something percent last a few weeks ago, we thought, I mean, that's pretty good, but I was speaking to people that said, oh, this got over 10%, like, last year.","start":1749.4299,"end":1759.745,"sentiment":"neutral","sentiment_score":-0.02528339475393295}],"sentiment":"neutral","sentiment_score":-0.020371327219022947,"channel":1,"num_words":44,"start":1748.71,"end":1759.745},{"sentences":[{"text":"Yeah.","start":1759.265,"end":1759.765,"sentiment":"neutral","sentiment_score":-0.031964898109436035}],"sentiment":"neutral","sentiment_score":-0.031964898109436035,"channel":0,"num_words":1,"start":1759.265,"end":1759.765},{"sentences":[{"text":"And I thought,","start":1759.885,"end":1760.785,"sentiment":"neutral","sentiment_score":-0.02396774912873904}],"sentiment":"neutral","sentiment_score":-0.02396774912873904,"channel":1,"num_words":3,"start":1759.885,"end":1760.785},{"sentences":[{"text":"Yeah.","start":1760.385,"end":1760.885,"sentiment":"neutral","sentiment_score":-0.0066657233983278275}],"sentiment":"neutral","sentiment_score":-0.0066657233983278275,"channel":0,"num_words":1,"start":1760.385,"end":1760.885},{"sentences":[{"text":"well, you know, so what would we have did you get did he ask you about that?","start":1760.9249,"end":1765.59,"sentiment":"neutral","sentiment_score":-0.030758455943535355}],"sentiment":"neutral","sentiment_score":-0.030758455943535355,"channel":1,"num_words":17,"start":1760.9249,"end":1765.59},{"sentences":[{"text":"She didn't.","start":1766.08,"end":1766.82,"sentiment":"neutral","sentiment_score":-0.13126054406166077},{"text":"But in all honesty, it's very hard to kinda go back and assess because we'd have to go back and look at the whole year, how the returns have gone, look at your funds going in.","start":1767.44,"end":1776.58,"sentiment":"neutral","sentiment_score":-0.19645318099194103},{"text":"It's kinda hard to sort of assume what you would have made without the Benelon going down.","start":1776.96,"end":1781.215,"sentiment":"neutral","sentiment_score":-0.2658895245369743},{"text":"It definitely would have been a higher return than what you received with Benelon having taken a bit of a dip there.","start":1781.215,"end":1786.995,"sentiment":"neutral","sentiment_score":-0.1089659563519738},{"text":"But when it kinda comes to other people making a 10%, this year has been very volatile, and some investments have performed well, some haven't performed well.","start":1787.2949,"end":1796.15,"sentiment":"neutral","sentiment_score":-0.2540244741572274}],"sentiment":"neutral","sentiment_score":-0.20298912848990697,"channel":0,"num_words":104,"start":1766.08,"end":1796.15},{"sentences":[{"text":"Majority of super funds out there are only within your sort of age within your range, have only","start":1796.6901,"end":1802.77,"sentiment":"neutral","sentiment_score":-0.1275170776579115}],"sentiment":"neutral","sentiment_score":-0.1275170776579115,"channel":0,"num_words":18,"start":1796.6901,"end":1802.77},{"sentences":[{"text":"Yes.","start":1802.39,"end":1802.89,"sentiment":"neutral","sentiment_score":0.017665188759565353}],"sentiment":"neutral","sentiment_score":0.017665188759565353,"channel":1,"num_words":1,"start":1802.39,"end":1802.89},{"sentences":[{"text":"performed and provided around about a six to 8% return in all 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they're","start":1812.7051,"end":1821.58,"sentiment":"neutral","sentiment_score":0.03135479173366109}],"sentiment":"neutral","sentiment_score":0.03135479173366109,"channel":0,"num_words":29,"start":1812.7051,"end":1821.58},{"sentences":[{"text":"Yeah.","start":1821.4451,"end":1821.84,"sentiment":"neutral","sentiment_score":0.01732097938656807}],"sentiment":"neutral","sentiment_score":0.01732097938656807,"channel":1,"num_words":1,"start":1821.4451,"end":1821.84},{"sentences":[{"text":"invested in, their risk profile.","start":1821.58,"end":1823.1799,"sentiment":"neutral","sentiment_score":-0.057152554392814636},{"text":"So there's a lot more to sorta consider there.","start":1823.1799,"end":1825.44,"sentiment":"neutral","sentiment_score":-0.04305764577454991},{"text":"I definitely know you would have made a much greater return than what your portfolio did, but I'm not able to kinda go back and assume","start":1826.0599,"end":1833.5199,"sentiment":"neutral","sentiment_score":0.10252038504068668}],"sentiment":"neutral","sentiment_score":0.049806210678070784,"channel":0,"num_words":40,"start":1821.58,"end":1833.5199},{"sentences":[{"text":"Yeah.","start":1833.6799,"end":1834.1799,"sentiment":"neutral","sentiment_score":-0.0712117925286293}],"sentiment":"neutral","sentiment_score":-0.0712117925286293,"channel":1,"num_words":1,"start":1833.6799,"end":1834.1799},{"sentences":[{"text":"what you would have 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good.","start":2565.655,"end":2566.295,"sentiment":"positive","sentiment_score":0.7686248620351156},{"text":"That's reducing fees.","start":2566.295,"end":2567.675,"sentiment":"positive","sentiment_score":0.6327047149340311}],"sentiment":"positive","sentiment_score":0.6278932069738706,"channel":0,"num_words":12,"start":2564.295,"end":2567.675},{"sentences":[{"text":"Yep.","start":2568.08,"end":2568.495,"sentiment":"positive","sentiment_score":0.3606078028678894}],"sentiment":"positive","sentiment_score":0.3606078028678894,"channel":1,"num_words":1,"start":2568.08,"end":2568.495},{"sentences":[{"text":"The ongoing service fee does essentially remain.","start":2568.99,"end":2571.47,"sentiment":"neutral","sentiment_score":0.27416325892720905},{"text":"The contributions will still go into NGS Super, and that'll also have your insurance premiums coming out of for a bit longer there as 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sort of look over the next five to ten years, can put you in a much greater position there.","start":2589.6748,"end":2597.01,"sentiment":"positive","sentiment_score":0.48610227627138936},{"text":"But we wanna build on that and make sure you're in an even better position than that.","start":2597.41,"end":2601.33,"sentiment":"positive","sentiment_score":0.4093841209131129},{"text":"So we'll come back in March and reassess things and look at what we can do moving forward and what we do with the proceeds of the funds and if Paul gets his redundancy and things like that as 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you can go down to page number 28 for me, this is showing you","start":2614.495,"end":2618.575,"sentiment":"neutral","sentiment_score":0.048037512600421904}],"sentiment":"neutral","sentiment_score":0.048037512600421904,"channel":0,"num_words":15,"start":2614.495,"end":2618.575},{"sentences":[{"text":"Yep.","start":2618.46,"end":2618.96,"sentiment":"neutral","sentiment_score":0.0643949806690216}],"sentiment":"neutral","sentiment_score":0.0643949806690216,"channel":1,"num_words":1,"start":2618.46,"end":2618.96},{"sentences":[{"text":"the buyers and sales for your portfolio.","start":2618.575,"end":2620.595,"sentiment":"neutral","sentiment_score":0.11689621742282595},{"text":"It is a little bit 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28.","start":2646.88,"end":2647.92,"sentiment":"neutral","sentiment_score":-0.04444295664628347},{"text":"No.","start":2647.92,"end":2648.42,"sentiment":"neutral","sentiment_score":-0.08551518619060516},{"text":"I thought you said '28, which is the current NGS, this graduation, current hate, have twenty four, twelve months.","start":2648.48,"end":2655.375,"sentiment":"neutral","sentiment_score":-0.11260080729660235}],"sentiment":"neutral","sentiment_score":-0.09241601155587921,"channel":1,"num_words":27,"start":2644.08,"end":2655.375},{"sentences":[{"text":"Have we really been through that one?","start":2655.675,"end":2656.875,"sentiment":"neutral","sentiment_score":-0.09355493954249791},{"text":"Sorry.","start":2656.875,"end":2657.375,"sentiment":"neutral","sentiment_score":-0.07189631462097168},{"text":"So 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need anything, let the team know.","start":3911.205,"end":3913.605,"sentiment":"neutral","sentiment_score":0.06920068125639643},{"text":"They'll book you in as soon as I get back to talk to me.","start":3913.605,"end":3916.38,"sentiment":"neutral","sentiment_score":0.10750477920685496},{"text":"And, yeah, if you guys find out that you're selling the property and you wanna talk beforehand, you just let me know.","start":3916.38,"end":3922.14,"sentiment":"neutral","sentiment_score":0.07661645656282251},{"text":"I will book you both in at any time that suits you, and we will have that conversation and look at 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did it when our girls were about that age.","start":3939.07,"end":3941.23,"sentiment":"positive","sentiment_score":0.3991404886429126},{"text":"It was so much fun.","start":3941.23,"end":3942.19,"sentiment":"positive","sentiment_score":0.7740576148033143},{"text":"And it's good to do","start":3942.19,"end":3943.07,"sentiment":"positive","sentiment_score":0.5125923573970794}],"sentiment":"positive","sentiment_score":0.5053076614504275,"channel":1,"num_words":23,"start":3939.07,"end":3943.07},{"sentences":[{"text":"Oh,","start":3942.915,"end":3943.415,"sentiment":"neutral","sentiment_score":0.2827584147453308}],"sentiment":"neutral","sentiment_score":0.2827584147453308,"channel":0,"num_words":1,"start":3942.915,"end":3943.415},{"sentences":[{"text":"it now because it's all 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was very jealous.","start":3948.605,"end":3949.745,"sentiment":"neutral","sentiment_score":0.13159294798970222}],"sentiment":"neutral","sentiment_score":0.13159294798970222,"channel":1,"num_words":4,"start":3948.605,"end":3949.745},{"sentences":[{"text":"Oh, fantastic.","start":3949.55,"end":3950.8499,"sentiment":"positive","sentiment_score":0.5286242663860321}],"sentiment":"positive","sentiment_score":0.5286242663860321,"channel":0,"num_words":2,"start":3949.55,"end":3950.8499},{"sentences":[{"text":"Well,","start":3951.3252,"end":3951.485,"sentiment":"neutral","sentiment_score":0.2920551896095276}],"sentiment":"neutral","sentiment_score":0.2920551896095276,"channel":1,"num_words":1,"start":3951.3252,"end":3951.485},{"sentences":[{"text":"Lovely.","start":3951.39,"end":3951.89,"sentiment":"positive","sentiment_score":0.48821496963500977}],"sentiment":"positive","sentiment_score":0.48821496963500977,"channel":0,"num_words":1,"start":3951.39,"end":3951.89},{"sentences":[{"text":"how was that, John?","start":3951.485,"end":3952.705,"sentiment":"neutral","sentiment_score":0.32385700196027756}],"sentiment":"neutral","sentiment_score":0.32385700196027756,"channel":1,"num_words":4,"start":3951.485,"end":3952.705},{"sentences":[{"text":"Thank you","start":3953.23,"end":3953.79,"sentiment":"positive","sentiment_score":0.6785318851470947}],"sentiment":"positive","sentiment_score":0.6785318851470947,"channel":0,"num_words":2,"start":3953.23,"end":3953.79},{"sentences":[{"text":"Awesome.","start":3953.5652,"end":3954.0652,"sentiment":"positive","sentiment_score":0.7184861898422241}],"sentiment":"positive","sentiment_score":0.7184861898422241,"channel":1,"num_words":1,"start":3953.5652,"end":3954.0652},{"sentences":[{"text":"so much.","start":3953.79,"end":3954.53,"sentiment":"positive","sentiment_score":0.681678056716919},{"text":"Appreciate you both taking my call.","start":3954.99,"end":3956.99,"sentiment":"positive","sentiment_score":0.7193353374799093},{"text":"I hope you both have a lovely night.","start":3956.99,"end":3958.6448,"sentiment":"positive","sentiment_score":0.6472926586866379},{"text":"If either of you have any questions, please don't ever hesitate to let me know.","start":3958.6448,"end":3962.505,"sentiment":"neutral","sentiment_score":0.23942712644735972}],"sentiment":"positive","sentiment_score":0.46610052595215457,"channel":0,"num_words":31,"start":3953.79,"end":3962.505},{"sentences":[{"text":"Okay.","start":3962.57,"end":3963.07,"sentiment":"neutral","sentiment_score":0.20998385548591617}],"sentiment":"neutral","sentiment_score":0.20998385548591617,"channel":1,"num_words":1,"start":3962.57,"end":3963.07},{"sentences":[{"text":"But thank you for the opportunity to put this together and taking my call","start":3962.7249,"end":3965.765,"sentiment":"positive","sentiment_score":0.5674462946397918}],"sentiment":"positive","sentiment_score":0.5674462946397918,"channel":0,"num_words":14,"start":3962.7249,"end":3965.765},{"sentences":[{"text":"Thank","start":3965.69,"end":3966.01,"sentiment":"positive","sentiment_score":0.4347579777240753}],"sentiment":"positive","sentiment_score":0.4347579777240753,"channel":1,"num_words":1,"start":3965.69,"end":3966.01},{"sentences":[{"text":"this evening.","start":3965.765,"end":3966.4248,"sentiment":"positive","sentiment_score":0.5046893358230591}],"sentiment":"positive","sentiment_score":0.5046893358230591,"channel":0,"num_words":2,"start":3965.765,"end":3966.4248},{"sentences":[{"text":"you.","start":3966.01,"end":3966.41,"sentiment":"neutral","sentiment_score":0.20508649945259097},{"text":"No.","start":3966.41,"end":3966.5298,"sentiment":"neutral","sentiment_score":0.030128784477710724},{"text":"I appreciate it.","start":3966.5298,"end":3967.21,"sentiment":"neutral","sentiment_score":0.2566971282164256},{"text":"Thanks, Heath.","start":3967.21,"end":3968.03,"sentiment":"positive","sentiment_score":0.35238587856292725}],"sentiment":"neutral","sentiment_score":0.244296917957919,"channel":1,"num_words":7,"start":3966.01,"end":3968.03},{"sentences":[{"text":"Anytime.","start":3968.005,"end":3968.505,"sentiment":"neutral","sentiment_score":0.2636307179927826},{"text":"Thanks, Cass.","start":3968.6448,"end":3969.4448,"sentiment":"positive","sentiment_score":0.40064817667007446}],"sentiment":"positive","sentiment_score":0.3549756904443105,"channel":0,"num_words":3,"start":3968.005,"end":3969.4448},{"sentences":[{"text":"Okay.","start":3969.315,"end":3969.715,"sentiment":"neutral","sentiment_score":0.18738356232643127}],"sentiment":"neutral","sentiment_score":0.18738356232643127,"channel":1,"num_words":1,"start":3969.315,"end":3969.715},{"sentences":[{"text":"See you,","start":3969.4448,"end":3969.765,"sentiment":"neutral","sentiment_score":0.20860399305820465}],"sentiment":"neutral","sentiment_score":0.20860399305820465,"channel":0,"num_words":2,"start":3969.4448,"end":3969.765},{"sentences":[{"text":"Thank","start":3969.715,"end":3969.955,"sentiment":"neutral","sentiment_score":0.33161115646362305}],"sentiment":"neutral","sentiment_score":0.33161115646362305,"channel":1,"num_words":1,"start":3969.715,"end":3969.955},{"sentences":[{"text":"Paul.","start":3969.765,"end":3970.265,"sentiment":"neutral","sentiment_score":0.3063543438911438}],"sentiment":"neutral","sentiment_score":0.3063543438911438,"channel":0,"num_words":1,"start":3969.765,"end":3970.265},{"sentences":[{"text":"you.","start":3969.955,"end":3970.115,"sentiment":"neutral","sentiment_score":0.2526508867740631},{"text":"Bye bye.","start":3970.115,"end":3970.775,"sentiment":"neutral","sentiment_score":0.16408349573612213}],"sentiment":"neutral","sentiment_score":0.1936059594154358,"channel":1,"num_words":3,"start":3969.955,"end":3970.775},{"sentences":[{"text":"Bye.","start":3971.045,"end":3971.545,"sentiment":"neutral","sentiment_score":0.13440737128257751}],"sentiment":"neutral","sentiment_score":0.13440737128257751,"channel":0,"num_words":1,"start":3971.045,"end":3971.545},{"sentences":[{"text":"Bye.","start":3971.2349,"end":3971.7349,"sentiment":"neutral","sentiment_score":-0.025940386578440663}],"sentiment":"neutral","sentiment_score":-0.025940386578440663,"channel":1,"num_words":1,"start":3971.2349,"end":3971.7349}]},"summary":{"result":"success","short":"OQ Financial and OQ Financial emphasize the importance of staying within the hub 24 platform and reducing tax consequences for retirement plans and portfolio updates. They also emphasize the need for regular review and monitoring investments, as well as diversifying exposure to various countries and asset classes. The speaker emphasizes the importance of learning how to function and working with beneficiaries to reduce risk and fees, as well as the retirement of certain investments and the potential for growth in the portfolio. The speaker also mentions their upcoming trip to Victoria and their son's excitement for the trip."},"intents":{"segments":[{"text":"I had yourself and Paul booked in to go through your updated advice document. Is now still a good time for you both? Not Yeah.","start_word":23,"end_word":47,"intents":[{"intent":"Schedule adviser appointment","confidence_score":0.0010520722}]},{"text":"So there's two. There's one for me on the portal. Is that right? Yeah.","start_word":417,"end_word":430,"intents":[{"intent":"Ask for clarification","confidence_score":0.0033490642}]},{"text":"They're both the exact same document, but you do have an email separately because we will get you both to sign it in order Sign to implement it. the advice.","start_word":432,"end_word":461,"intents":[{"intent":"Clarify document","confidence_score":0.0022499782},{"intent":"Confirm document","confidence_score":0.002478838}]},{"text":"Yeah. It's just Excellent. opening now. Hang on. That's okay. You're fine. Alright.","start_word":477,"end_word":489,"intents":[{"intent":"Confirm understanding","confidence_score":0.1441496}]},{"text":"And we go through the process we do of making sure we understand your goals, making further and correct inquiries into your circumstances to be able to understand what they are and providing a financial advice to help you to meet those goals there. So Sure.","start_word":707,"end_word":752,"intents":[{"intent":"Understand goals","confidence_score":0.057709686}]},{"text":"Only if you wanna follow through. Otherwise so you're gonna send it through Paul's as well? Yeah.","start_word":782,"end_word":798,"intents":[{"intent":"Follow through","confidence_score":0.2505833}]},{"text":"Otherwise so you're gonna send it through Paul's as well?","start_word":788,"end_word":797,"intents":[{"intent":"Send email","confidence_score":0.51310796}]},{"text":"So jointly, you've had a goal of being able to retire when you reach ten sixty, if not earlier, and hopefully draw an income of around about $1,000 per week in today's dollars to support your lifestyle throughout retirement.","start_word":976,"end_word":1014,"intents":[{"intent":"Reach retirement age","confidence_score":0.0057645403},{"intent":"Assist with retirement goals","confidence_score":0.0014820235},{"intent":"Draw income","confidence_score":0.21270773}]},{"text":"You both wanted to retain that balanced growth environment for now, and we're just looking at updating your portfolio, removing those underperforming investments, and looking at how we can make things work a bit harder.","start_word":1016,"end_word":1050,"intents":[{"intent":"Update portfolio","confidence_score":0.71751827},{"intent":"Address underperforming investments and manage investments","confidence_score":8.168939e-8}]},{"text":"So, Paul, we can see that you've got beneficiaries on file, which is fantastic.","start_word":1108,"end_word":1121,"intents":[{"intent":"Update beneficiaries and reflect on beneficiaries","confidence_score":0.0007502199}]},{"text":"And you're happy for us to pre fill that with Paul's details to make it easier for you? Please.","start_word":1362,"end_word":1380,"intents":[{"intent":"Prefill details with paul's details","confidence_score":0.015073129}]},{"text":"On page number four, we've got a limited scope there. So, with that, it's just about looking at the insurance side of things. So, essentially, we're not making a recommendation to alter your insurances there, Catherine, but we are looking to keep those insurances in place. The Yep.","start_word":1414,"end_word":1461,"intents":[{"intent":"Explain limitations of coverage","confidence_score":0.003150092},{"intent":"Analyze insurance coverage","confidence_score":0.0025228702}]},{"text":"Is there any changes or anything that should be different in that area?","start_word":1771,"end_word":1783,"intents":[{"intent":"Address investment concerns","confidence_score":0.0009687812}]},{"text":"So if we had a sold down everything and moved you to another fund, yeah, it would have essentially meant there would have been capital gains to your fund of over $17,252. So I discounted that and didn't go that way and then looked at other ways to alter your portfolio for you so that you could retain hub twenty four, still switch the investments out and have them working a bit harder for you and also save on fees. Okay? Yep.","start_word":2117,"end_word":2198,"intents":[{"intent":"Suggest portfolio modification","confidence_score":0.0018125509}]},{"text":"If you go down to page number 17 for me, this is your fee comparison table which outlines essentially the recommendations and a lot of the reasoning behind why I've recommended this for you.","start_word":2205,"end_word":2238,"intents":[{"intent":"Recommend portfolio change","confidence_score":0.07281242}]},{"text":"If you go down to page number 17 for me, this is your fee comparison table which outlines essentially the recommendations and a lot of the reasoning behind why I've recommended this for you. Yep.","start_word":2205,"end_word":2239,"intents":[{"intent":"Provide financial recommendations","confidence_score":0.00030102703}]},{"text":"Essentially, we are gonna switch the investments within that, and we understand, as as I mentioned, I wanted to reduce that tax consequence as much as possible.","start_word":2443,"end_word":2469,"intents":[{"intent":"Reduce tax consequences","confidence_score":0.2643866}]},{"text":"Investing Yeah. in Abs other things. absolutely. Yeah.","start_word":2556,"end_word":2563,"intents":[{"intent":"Invest","confidence_score":0.0043297685}]},{"text":"It's expected to save you $1,303 for the first year in investment fees, which is great. That's more money or less money that you're paying out to suit Yes.","start_word":2603,"end_word":2631,"intents":[{"intent":"Save money","confidence_score":0.010133037}]},{"text":"ClearBridge infrastructure fund, that is looking at infrastructure and commercial property that has done really well. It does still see growth, and it is an integral part of having a diversified portfolio. So you hold about 6% at the moment. We wanna hold 7% there. So it does mean just buying a little bit more and rebalancing your portfolio back as well. Okay.","start_word":2980,"end_word":3042,"intents":[{"intent":"Manage portfolio","confidence_score":0.093604624}]},{"text":"You've also got the BetaShares Bank hybrids. Now these are being phased out down the track, so we opted to remove them now whilst we are making some changes to your portfolio best to make as many changes as possible to limit having to make more changes down the track Oh, sorry.","start_word":3169,"end_word":3220,"intents":[{"intent":"Update portfolio changes","confidence_score":0.034555107}]},{"text":"You guys are very much in the middle and don't like to take on a lot of risks. So, essentially, if we don't rebalance the portfolio and we just let it outweight, some of the investments have performed better than others, but it means that you could have more risk in your portfolio than what you're comfortable taking or less than you're comfortable taking, and that also affects your returns as well.","start_word":3515,"end_word":3586,"intents":[{"intent":"Understand investment impact","confidence_score":0.00021860776}]},{"text":"So rebalancing your portfolio every so often is just as important, and that's part of what we wanted to do here as well for you. Okay? Okay. Yeah.","start_word":3586,"end_word":3613,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.24215475}]},{"text":"we like to do and what we've done with Bannalong is assess whether that investment is down because of just the downtime or whether the investment is actually worth getting rid of. We Yep.","start_word":3743,"end_word":3776,"intents":[{"intent":"Evaluate investment value","confidence_score":0.12454074}]},{"text":"So the idea is to keep investing through the ups and downs.","start_word":3981,"end_word":3992,"intents":[{"intent":"Evaluate investments","confidence_score":0.16557272}]},{"text":"So that's why these sorts of investments are good quality and worth investing in, essentially. Yes. Yeah.","start_word":4284,"end_word":4300,"intents":[{"intent":"Consider investment options","confidence_score":0.0033093868}]},{"text":"So we're just gonna sell a little bit of your physical gold off. We are gonna cement that, cement the growth you've had there, and redistribute that across your portfolio.","start_word":4329,"end_word":4358,"intents":[{"intent":"Sell gold off","confidence_score":0.0863331}]},{"text":"You've got about 29% in your portfolio currently. We only wanna hold about 25% currently, so we are just gonna rebalance it back a little bit, sell some of the investment, and rewrite you back to 25% there. Okay? Yeah.","start_word":4962,"end_word":5001,"intents":[{"intent":"Plan portfolio management","confidence_score":0.0021865265}]},{"text":"And these two investments are quite passive. They are low cost, but they do give you really good exposure.","start_word":5152,"end_word":5170,"intents":[{"intent":"Evaluate portfolio features","confidence_score":0.000538762}]},{"text":"And if anything else needs to be moved out the portfolio, we make sure that we do that for you as well. Okay. Alright.","start_word":5400,"end_word":5423,"intents":[{"intent":"Discuss portfolio performance","confidence_score":0.0001710962}]},{"text":"Can I just ask a question? I think Absolutely.","start_word":5423,"end_word":5431,"intents":[{"intent":"Ask question","confidence_score":0.7860284}]},{"text":"Because when he told us it was about seven point something percent last a few weeks ago, we thought, I mean, that's pretty good, but I was speaking to people that said, oh, this got over 10%, like, last year. Yeah.","start_word":5528,"end_word":5568,"intents":[{"intent":"Assess investment performance","confidence_score":0.023485722},{"intent":"Explain investment performance","confidence_score":0.011854129}]},{"text":"But in all honesty, it's very hard to kinda go back and assess because we'd have to go back and look at the whole year, how the returns have gone, look at your funds going in.","start_word":5592,"end_word":5627,"intents":[{"intent":"Evaluate returns","confidence_score":0.025155425}]},{"text":"what that return is, whether it is a gross or net return, when their contributions are going in, how much their contributions are, what their balance is, what they're Yeah.","start_word":5744,"end_word":5773,"intents":[{"intent":"Understand contribution balance","confidence_score":0.004845149}]},{"text":"I can safely tell you it would have been much greater than that, and that's why I wanna make sure we definitely touch base again in about six months, around about March so we can assess your goals, but also check with how this Oh, is yeah. performing Cool.","start_word":5840,"end_word":5888,"intents":[{"intent":"Assess goals and track progress","confidence_score":0.11060101}]},{"text":"they're not really apples to apples, which is a little bit not great, but is this this at least gives you, you know, more clarity around your return and is it before or after fees and what that looks like, which means Yeah. that For sure.","start_word":6088,"end_word":6133,"intents":[{"intent":"Assess investments and fees","confidence_score":2.7928031e-8}]},{"text":"If you're comfortable, Paul, that's everything. Did you have any questions that you wanted me to go through or answer for you? Is there anything that's kinda come up through any of that?","start_word":6197,"end_word":6229,"intents":[{"intent":"Provide information","confidence_score":0.004511431}]},{"text":"Just, you know, when you talk about the battery thing, the back battery technology lithium. The living yep. I didn't listen to text. Yep. Have you looked at a new technology called I think it's a sodium ion technology? I have yeah.","start_word":6230,"end_word":6271,"intents":[{"intent":"Discuss lithium ion technology","confidence_score":0.010906001}]},{"text":"And I was very hesitant about looking at anything like that for your super because we're reducing risk, and you're very conservative and very close to accessing super. It's very volatile, And Yeah.","start_word":6288,"end_word":6320,"intents":[{"intent":"Discuss risks","confidence_score":0.01713372}]},{"text":"that potentially if research goes well, that Yeah.","start_word":6394,"end_word":6401,"intents":[{"intent":"Discuss research","confidence_score":0.123789646}]},{"text":"Say if we do end up selling a commercial property, Mhmm. like, if they still haven't they're they're very close to signing, but they still haven't yet. Right?","start_word":6506,"end_word":6533,"intents":[{"intent":"Sell property","confidence_score":0.0554395}]},{"text":"You could absolutely look at doing that. We can provide advice around the area if you'd like to. It'll just be about looking at the risk level, looking at, you Sure.","start_word":6618,"end_word":6648,"intents":[{"intent":"Provide advice","confidence_score":0.6367102},{"intent":"Understand risk level","confidence_score":0.012805603},{"intent":"Offer advice","confidence_score":0.0008089639}]},{"text":"long as you're accountable, things like that, I'd be more than happy to look at those sorts of investments as part of that, you know, personal investing space and see what you're Yeah.","start_word":6667,"end_word":6699,"intents":[{"intent":"Look at investments","confidence_score":0.31230286}]},{"text":"So we're rolling over small amounts of money on a regular basis, which is Perfect. dollar cost averaging in the hub 24, which can actually Yep. provide you with a much greater return and assist your Subaru by working harder there as well. Okay? Perfect.","start_word":7195,"end_word":7239,"intents":[{"intent":"Plan budget","confidence_score":0.000026558035}]},{"text":"that coverage to provide that protection. But we'll just review it when we come back in March and have a look Okay.","start_word":8089,"end_word":8110,"intents":[{"intent":"Review insurance coverage","confidence_score":0.00372181}]},{"text":"know, what your next sort of goals are, what we've got. We can always assess them again.","start_word":8114,"end_word":8130,"intents":[{"intent":"Assess goals","confidence_score":0.5631}]},{"text":"And at any point, if you decide you don't feel like they're working or you don't need them anymore, we can always come back and update the advice for Yep.","start_word":8131,"end_word":8160,"intents":[{"intent":"Update advice","confidence_score":0.3532898}]},{"text":"So with that newer portfolio, we estimate CGT to be $382 there. Essentially, by moving some more money into hub twenty four, it does increase the admin fee slightly by $32 for the year. But Yep.","start_word":8173,"end_word":8208,"intents":[{"intent":"Estimate cgt","confidence_score":0.12755565}]},{"text":"It's saving you quite a good amount of money. It's expected to save you $356 Yep.","start_word":8222,"end_word":8237,"intents":[{"intent":"Save money","confidence_score":0.7484507}]},{"text":"So we'll come back in March and reassess things and look at what we can do moving forward and what we do with the proceeds of the funds and if Paul gets his redundancy and things like that as well. Okay? Yes. Yep.","start_word":8355,"end_word":8397,"intents":[{"intent":"Reassess portfolio","confidence_score":0.10630109},{"intent":"Reassessment portfolio","confidence_score":0.020159174}]},{"text":"If you can go down to page number 28 for me, this is showing you Yep. the buyers and sales for your portfolio. It is a little bit bigger. Yep.","start_word":8403,"end_word":8432,"intents":[{"intent":"Provide information","confidence_score":0.062988676}]},{"text":"That's showing you essentially all the research, the returns between the two.","start_word":8554,"end_word":8565,"intents":[{"intent":"Determine research","confidence_score":0.000056510147}]},{"text":"So the current at the very top shows you the twelve months, three year, five year, ten year performance yep. for NGS super, and then it also shows you have 24. And then the last column is us amalgamating it together. So we take all the investments to two funds, and then we calculate the total amalgamated or aggregated portfolio, which gives you that five year rolling average.","start_word":8567,"end_word":8634,"intents":[{"intent":"Calculate portfolio performance","confidence_score":0.16764127}]},{"text":"But, realistically, you could have got up between eight to 9% return very conservatively if Bennelong had performed well. Because when you No.","start_word":8780,"end_word":8802,"intents":[{"intent":"Estimate return percentage","confidence_score":0.01045301}]},{"text":"We amalgamate the two together. Okay?","start_word":8924,"end_word":8929,"intents":[{"intent":"Assemble and amalgamate","confidence_score":0.00007411289}]},{"text":"In your portfolio, I am removing the ClearBridge infrastructure fund because I was able to look at ways to alter your portfolio in other ways to provide as much growth as possible and also to lower the fees as much as possible.","start_word":8984,"end_word":9025,"intents":[{"intent":"Removing and lowering fees","confidence_score":0.012098745}]},{"text":"In your portfolio, I am removing the ClearBridge infrastructure fund because I was able to look at ways to alter your portfolio in other ways to provide as much growth as possible and also to lower the fees as much as possible. Yes.","start_word":8984,"end_word":9026,"intents":[{"intent":"Adjusting portfolio","confidence_score":0.14531554}]},{"text":"So we're removing the ClearBridge infrastructure fund completely as well. I am in yours moving the battery and lithium tech as well taking that out. You're still gonna have access and exposure to those, but I've found a lower cost way to hold those investments in your portfolio that will work better for you. Okay? Yep.","start_word":9110,"end_word":9165,"intents":[{"intent":"Holding portfolio shares","confidence_score":0.022908662}]},{"text":"The bank hybrids are also coming out because they are being replaced down the track there, but we still wanna hold physical gold. You've got 11% there at the moment. We only wanna hold 10%. So it's about just selling some of those gains and recementing and distributing those gains across your portfolio. Yes.","start_word":9166,"end_word":9219,"intents":[{"intent":"Selling gains","confidence_score":0.63382286}]},{"text":"To replace the bank hybrids there, keeping those defensive investments, you're gonna hold some core composite bonds in this portfolio, Yep. about 24% in there, and that's gonna give you some income production as well, which is going to be really good.","start_word":9221,"end_word":9262,"intents":[{"intent":"Accommodating core bonds","confidence_score":0.00016561139}]},{"text":"So you have seen some really good growth within this investment. So we are just gonna sell some of that back and redistribute that across the portfolio, just rebalancing that investment to 25% there for you. Okay? Yes.","start_word":9286,"end_word":9323,"intents":[{"intent":"Sell money","confidence_score":0.015596247}]},{"text":"So you have seen some really good growth within this investment. So we are just gonna sell some of that back and redistribute that across the portfolio, just rebalancing that investment to 25% there for you. Okay? Yes. With yours, the Raffy is removing out of that because it was able I was able to find a lot you know, a different way to sort of hold those investments Yes.","start_word":9286,"end_word":9355,"intents":[{"intent":"Check investment potential","confidence_score":0.0055132466}]},{"text":"and also making sure to because your balance is lower than Paul's, reducing costs as much as we possibly can.","start_word":9355,"end_word":9374,"intents":[{"intent":"Reduce costs","confidence_score":0.79389155}]},{"text":"and also making sure to because your balance is lower than Paul's, reducing costs as much as we possibly can. When you sort Yep.","start_word":9355,"end_word":9378,"intents":[{"intent":"Manage balance","confidence_score":0.0005261738}]},{"text":"Now we were able to save a lot of money in investment days, but because of his balance, I couldn't remove a lot of additional investments. So we had to limit the CDT effect for him.","start_word":9417,"end_word":9452,"intents":[{"intent":"Reduce cdt effect","confidence_score":0.5103188}]},{"text":"We're also then gonna increase exposure or add exposure into cybersecurity. So this is giving you a different level of exposure into battery and lithium tech and cybersecurity as well. It's Yep.","start_word":9464,"end_word":9495,"intents":[{"intent":"Increase cybersecurity exposure","confidence_score":0.27219036}]},{"text":"The iShares Europe investments are giving you exposure to all 16 European countries to helping to provide diversification and lower overall market risk.","start_word":9521,"end_word":9543,"intents":[{"intent":"Diversify markets","confidence_score":0.00013546011}]},{"text":"One of the biggest things we can do is diversify to lower our overall risk, and Yep.","start_word":9689,"end_word":9705,"intents":[{"intent":"Diversify portfolio","confidence_score":0.12755701}]},{"text":"With the next page, you've got your cash account there. You've got about $15 more in cash than we realistically wanted to, so we'll just make sure we invest that money and only hold a minimum of 1.25% cash. Essentially, Yep.","start_word":9979,"end_word":10019,"intents":[{"intent":"Optimize cash investments","confidence_score":0.0001376166}]},{"text":"part of rebalancing would just be to invest, sorry, that little bit of extra money there for you as well. Okay? Yep.","start_word":10049,"end_word":10070,"intents":[{"intent":"Rebalancing funds and investments","confidence_score":0.009657539}]},{"text":"Those are being sent out, which is fantastic, but a little bit lower on page 32, I have added the beneficiary side of things, and they're just recommending a binding non lapse denomination a 100% to pull on both Yep. those super funds to make sure that everything is sorted. And then even lower Perfect.","start_word":10089,"end_word":10143,"intents":[{"intent":"Recommend non-lapse denominations","confidence_score":0.0024270804}]},{"text":"It's not an easy Yep. one to have, but it's really good to have that conversation and talk to you your kids about, your family about, and think about what Yep. your wishes are and what you want to happen. Yeah.","start_word":10199,"end_word":10239,"intents":[{"intent":"Discussing family's wishes","confidence_score":0.044973947}]},{"text":"We've got in there the ongoing service agreement. You guys are both on 1.10%. Nothing changes there at all, and that Yep. all in disclosed there.","start_word":10254,"end_word":10279,"intents":[{"intent":"Explaining service agreement","confidence_score":0.015665973}]},{"text":"How we would run through this advice for you is we'll essentially just start by completing an investment switch, then we'll do some partial rollovers for you from your NGS super, Yep. and then we'll make sure that we the beneficiaries are all being sent out. So we'll make sure they are also applied there for you as well. Okay?","start_word":10280,"end_word":10339,"intents":[{"intent":"Recommend investment switch","confidence_score":0.002668448},{"intent":"Completing investment switch","confidence_score":0.06670044},{"intent":"Discussing ngs super","confidence_score":0.040857133},{"intent":"Discussing future plans","confidence_score":0.02893142}]},{"text":"So I think I just signed it. Can you double check if you've got it back already? Or Yeah.","start_word":10512,"end_word":10530,"intents":[{"intent":"Sign and validate document","confidence_score":0.0022570258}]},{"text":"Validate And and complete. So there'll mine be has two separate been done. emails.","start_word":10672,"end_word":10685,"intents":[{"intent":"Validate document","confidence_score":0.16105913}]},{"text":"It had a bit of volatility through COVID as well, and the investment committee just decided with the most recent activity with the investment managers is unperforming. It's just not worth keeping anymore. So Sure.","start_word":11054,"end_word":11088,"intents":[{"intent":"Fix portfolio volatility","confidence_score":0.0018054672}]},{"text":"It's essentially allowing you to contribute this year's non concessional cap of a 130,000 plus the next two financial years in one go. There are some rules around it about super balance and things like that. But for yourself, Cath, that you know, you're under the limits there with everything. Yes.","start_word":11236,"end_word":11286,"intents":[{"intent":"Confirm contribution rules","confidence_score":0.00011855538}]},{"text":"So concessional contributions are your employer contributions, any salary sacrifice, and or deductible contributions. Yep.","start_word":11442,"end_word":11456,"intents":[{"intent":"Confirm contributions","confidence_score":0.04463166}]},{"text":"So any additional cap space over the past five years sits there. And in any one financial year or you can do it slowly over a few financial years, you can essentially go over this year's cap and contribute anything for the past five financial years so long as your super balance is under 500,000 as of the June 30 the prior financial year. Sure.","start_word":11487,"end_word":11551,"intents":[{"intent":"Confirm cap","confidence_score":0.0023275733}]},{"text":"And how and how and how would that impact him?","start_word":11604,"end_word":11613,"intents":[{"intent":"Explain impact of cap","confidence_score":0.0004866773}]},{"text":"So we just have to double check.","start_word":11614,"end_word":11620,"intents":[{"intent":"Clarify impact of cap","confidence_score":0.028853362}]},{"text":"So we can build investment portfolios very similar to your super, in, say, hub twenty four or other investments, or we also have investment bonds, which don't have tax consequences.","start_word":11778,"end_word":11807,"intents":[{"intent":"Discuss investment portfolios","confidence_score":0.2040621}]},{"text":"So Vanguard Vanguard has lots of different investment options to choose from, and there are some yeah. high risk, some low risk. It just depends on what you're investing in. But Yeah.","start_word":12097,"end_word":12128,"intents":[{"intent":"Inquire about investment options","confidence_score":0.0014858077}]},{"text":"are absolutely those other options that we can look at for you.","start_word":12166,"end_word":12177,"intents":[{"intent":"Review options","confidence_score":0.013015162}]},{"text":"So I'd realistically be wanting to look at how how much you need to access in the short term, what the likelihood of you needing to access is, and how do we get good returns whilst allowing you access to your funds when you need them as well. Yeah. Yeah.","start_word":12320,"end_word":12369,"intents":[{"intent":"Calculate costs","confidence_score":0.00030987625}]},{"text":"maybe sometime towards the end of the the end of the year.","start_word":12438,"end_word":12449,"intents":[{"intent":"Plan future information","confidence_score":0.0000048337497}]},{"text":"to invest some money that you we can get growth from and access that, and we don't have pay the 130.","start_word":12482,"end_word":12502,"intents":[{"intent":"Consider investments","confidence_score":0.0037670163}]},{"text":"Appreciate you both taking my call. I hope you both have a lovely night. If either of you have any questions, please don't ever hesitate to let me know. Okay.","start_word":12742,"end_word":12771,"intents":[{"intent":"Request call","confidence_score":0.00018118045}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Kath. It's Dana from OQ Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.15170440077781677},{"text":"Good. Thanks. How are you? I'm very well. Thank you.","start_word":13,"end_word":22,"sentiment":"positive","sentiment_score":0.5356797575950623},{"text":"I had yourself and Paul booked in to go through your updated advice document. Is now still a good time for you both? Not Yeah. It will be, I'm sure. Paul's mowing the lawn. Don't wanna stop him because it's gonna rain tomorrow. Oh, That sounds okay. so bad. But I guess can you go through some of it with me, and then I'll get him for any important stuff for him? Yeah. Yeah. If you like, that's not a problem at all. Easy Or do done. or would you rather go to this all the time? It is easier with you both because I'm going through both of your details. But if you like, I can take you through your section and run him through his. That's not a problem. I can make that work for you. Okay. Yeah. Well, hang on. I'll just one second. I'll see if I can find Yeah. Yeah. You're right. That's okay. him.","start_word":23,"end_word":182,"sentiment":"neutral","sentiment_score":0.11829746514558792},{"text":"Actually, he just finished, which is perfect. Fantastic. All good. Right timing. Fantastic.","start_word":183,"end_word":195,"sentiment":"positive","sentiment_score":0.44417935609817505},{"text":"Look, Catherine, I'm just gonna send this document through to you so it's in both of your emails there. I'm just pressing Yep. send on that now. Just before we jump into the call and go through things, I do have to let you know, as normal, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. For sure. He's coming in about two seconds. Easy. Not a problem at all. I'll just do a quick security check with yourself just to confirm Yeah. your full name, your date of birth, and address there for me, Kath. Okay. Catherine Ann Woods. Yep. 16th To 2nd 71. 76 Yep. Kings Street, Wynnew, New South Wales 2517.","start_word":196,"end_word":320,"sentiment":"neutral","sentiment_score":0.1005626544356346},{"text":"Beautiful. Thank you so much for that. Lovely.","start_word":321,"end_word":328,"sentiment":"positive","sentiment_score":0.5783298015594482},{"text":"Now I've sent that email through with the documents there. If you're able to able to open it up, it's Yes. just easier For sure. that you guys are looking at it with me, so it doesn't Yep. feel like I'm talking at you at all. Easy. Alright. That's okay. I'll have a look. Yep. Yep. Yep.","start_word":329,"end_word":385,"sentiment":"neutral","sentiment_score":0.1415202586274398},{"text":"Fantastic. Hang on.","start_word":386,"end_word":388,"sentiment":"positive","sentiment_score":0.5252594947814941},{"text":"How's your week been? Yeah.","start_word":389,"end_word":393,"sentiment":"neutral","sentiment_score":0.31083616614341736},{"text":"Good, actually. Good. Good.","start_word":394,"end_word":397,"sentiment":"positive","sentiment_score":0.5325009822845459},{"text":"Yeah. I've Oh, got that's it right really here.","start_word":398,"end_word":406,"sentiment":"neutral","sentiment_score":0.22235184907913208},{"text":"good. Fantastic.","start_word":407,"end_word":408,"sentiment":"positive","sentiment_score":0.5321826934814453},{"text":"Yep. Yep. Yep. Yep. Hang on a second. So there's two. There's one for me on the portal. Is that right? Yeah. No? They're both the exact same document, but you do have an email separately because we will get you both to sign it in order Sign to implement it. the advice. Yeah. But Okay. we'll For go through sure. it first up. Yeah. Yeah. No worries. Yeah.","start_word":409,"end_word":477,"sentiment":"neutral","sentiment_score":0.044975925236940384},{"text":"It's just Excellent. opening now.","start_word":478,"end_word":482,"sentiment":"positive","sentiment_score":0.3816192150115967},{"text":"Hang on. That's okay. You're fine. Alright. Okay. Yes. I'm here. Paul is just just taking his boots off and all that. Oh, that's okay. Not a problem at all. I can start running through things with Okay. you if you Perfect. like. And if you just let Yep. me know when Paul's Yep. there, For sure. I'll jump in Do you want and us to make wait, Paul? sure Are you I'll good? So say I have to hi. start? Yeah. All good. Okay.","start_word":483,"end_word":567,"sentiment":"neutral","sentiment_score":0.06305569410324097},{"text":"Fantastic.","start_word":568,"end_word":568,"sentiment":"positive","sentiment_score":0.3863330781459808},{"text":"Yep. Yep. So Yep. on the front of the document there, you'll see statement of advice prepared for yourself, Paul and Catherine Woods, as of the 09/08/2026. All Yep. of our advice is valid for sixty days, so you can take this back and have a good read through it prior to accepting the advice and signing it. Yep. Yep. On the bottom there, it has it prepared by myself and my lovely team here at Oakview Financial, and my license license registration number is 1304394. Yep. Okay?","start_word":569,"end_word":656,"sentiment":"neutral","sentiment_score":0.07328740507364273},{"text":"Excellent.","start_word":657,"end_word":657,"sentiment":"positive","sentiment_score":0.4232564568519592},{"text":"The next page, if you keep scrolling down, it's your best interest, Judy. So this is just letting you know that as licensed advisers, we do have a fiduciary duty to look after you to make sure that we are providing advice that is there to meet your goals. And we go through the process we do of making sure we understand your goals, making further and correct inquiries into your circumstances to be able to understand what they are and providing a financial advice to help you to meet those goals there. So Sure.","start_word":658,"end_word":752,"sentiment":"neutral","sentiment_score":0.2039527558966687},{"text":"we do definitely adhere to that.","start_word":753,"end_word":758,"sentiment":"positive","sentiment_score":0.4364739954471588},{"text":"If you scroll past the next page, which is your table of content. Sam, Paul, are you on it? The on the email? Only if you wanna follow through. Otherwise so you're gonna send it through Paul's as well? Yeah. Yeah. You should definitely have one each there. Yep. How did you send it? What was the email that you sent to Pauls? So Paul's email that I have on file I'm pretty sure we use the same email for both of you. It's paulcath1@bigpond.com. Oh, okay. I have it. Do you want It's alright. Just you do it. Oh, he was we can both bring along with it. Yeah. It Yeah. There should Oh, he be don't two mind. invites He's efficient. in the same email there. There should be one for Yep. each of you, but that'll No. be Perfect. okay. Yeah. Yep.","start_word":759,"end_word":903,"sentiment":"neutral","sentiment_score":0.04522741585969925},{"text":"Excellent.","start_word":904,"end_word":904,"sentiment":"positive","sentiment_score":0.40803247690200806},{"text":"Yep. Hi, Paul. How are you?","start_word":905,"end_word":910,"sentiment":"neutral","sentiment_score":0.2460627257823944},{"text":"Good.","start_word":911,"end_word":911,"sentiment":"positive","sentiment_score":0.4165972173213959},{"text":"How are you?","start_word":912,"end_word":914,"sentiment":"neutral","sentiment_score":0.3133871555328369},{"text":"I'm good. Thank you.","start_word":915,"end_word":918,"sentiment":"positive","sentiment_score":0.5095248222351074},{"text":"How's your week been? Oh, not too bad so far.","start_word":919,"end_word":928,"sentiment":"neutral","sentiment_score":0.24944092333316803},{"text":"Thank you. Well, that's really good.","start_word":929,"end_word":934,"sentiment":"positive","sentiment_score":0.5401599407196045},{"text":"We're sitting here on page number three at the moment, which is essentially just outlining the areas of the scope that we are and are not looking at advice. So, essentially, this is just looking at your super at the moment.","start_word":935,"end_word":975,"sentiment":"neutral","sentiment_score":0.1484755426645279},{"text":"So jointly, you've had a goal of being able to retire when you reach ten sixty, if not earlier, and hopefully draw an income of around about $1,000 per week in today's dollars to support your lifestyle throughout retirement.","start_word":976,"end_word":1014,"sentiment":"positive","sentiment_score":0.35477158427238464},{"text":"You both wanted to retain that balanced growth environment for now, and we're just looking at updating your portfolio, removing those underperforming investments, and looking at how we can make things work a bit harder. And then we talked about meeting again in March next year just after Christmas to sort of talk about moving a bit more conservative or maybe updating things a little bit further for you both. Does that still sound accurate and appropriate? Yes.","start_word":1015,"end_word":1092,"sentiment":"neutral","sentiment_score":0.10052285343408585},{"text":"Thanks. Thank Yep. Beautiful.","start_word":1093,"end_word":1096,"sentiment":"positive","sentiment_score":0.6018103361129761},{"text":"I've also scoped in your state planning to extent as well. So, Paul, we can see that you've got beneficiaries on file, which is fantastic. But, Kath, we have noted that your beneficiaries aren't applied, so we wanna make sure they are you. applied and reflective so that at the moment, if anything happens, everything goes to you know, from Paul's sleep, it goes Oh, to you, and that's fantastic. But at the other but it's way around, yeah. we need to make sure that's reflective for you. So we'll get your beneficiaries You're applied gonna and do updated that. You know? on all I the do. super funds. You must have done it. I sent that It's up last time. it's alright. I'll go back and double check it. I can just see it's not really applied. I'll find out Okay. why, and we'll make Okay. sure that we have that fixed up and reflective You're for up. you because That's fine. I wouldn't want Yep. anything to 100? happen and have it all Yep. go wrong for you. Yep. For Yeah. sure. Yep. Yep. Yep. Absolutely. All good. Okay. Can you And send me that form now then? yeah. And then Yeah. I'll I'll print it, sign it, and send it off. Yeah. Absolutely. Not a problem at all. Okay. I'll just get my team member to do that. I'm just gonna Teams her real quick. Yep. That is new. Yeah. It is new.","start_word":1097,"end_word":1342,"sentiment":"neutral","sentiment_score":0.08158518373966217},{"text":"Perfect. So I just quickly confirmed that with my colleague. They're gonna get that sorted for you.","start_word":1343,"end_word":1359,"sentiment":"positive","sentiment_score":0.3889381885528565},{"text":"Yeah.","start_word":1360,"end_word":1360,"sentiment":"neutral","sentiment_score":0.1157112568616867},{"text":"And you're happy for us to pre fill that with Paul's details to make it easier for you?","start_word":1361,"end_word":1378,"sentiment":"positive","sentiment_score":0.6185944080352783},{"text":"Please.","start_word":1379,"end_word":1379,"sentiment":"neutral","sentiment_score":0.3259739577770233},{"text":"Yes. Thank you. Yep. Easy. Not a problem at all.","start_word":1380,"end_word":1389,"sentiment":"positive","sentiment_score":0.43906018137931824},{"text":"It's alright. I sit next to my admin team member, and she was, like, on the ball.","start_word":1390,"end_word":1406,"sentiment":"neutral","sentiment_score":0.2663840055465698},{"text":"Oh, It's that's all fine. good. Excellent.","start_word":1407,"end_word":1413,"sentiment":"positive","sentiment_score":0.5022293329238892},{"text":"On page number four, we've got a limited scope there. So, with that, it's just about looking at the insurance side of things. So, essentially, we're not making a recommendation to alter your insurances there, Catherine, but we are looking to keep those insurances in place. The Yep. reason I limited scope them in is so that they can be accounted for as part of your projections because these insurances are paid for from super. We Sure. do know that it has a long term effect on retirement. So we essentially, whilst not making any new changes or recommendations, we just like to scope it in so that we can have that reflective of the rest of the advice. Okay? So what is what do you think that is in the difference? Oh, I can Yep. show you. I've got the projected to show you. That's easy. Yep. So, Paul, you know how On with my sorry. I'll just explain yeah. That's okay. they kept my NDS super Yeah. And they transfer so much over because my daughter's insurance is included. Yep. Yeah. Yep. Yep. Yep. Sorry. No. You're absolutely fine. And then on pages five and six, we've got areas that we're not looking for advice at the moment. The areas are on cash flow and budgeting. Paul's insurance is because he doesn't have any, but he has a really great super balance, which covers majority of you know, basically, it covers all your debts in the event that something was to happen. And then, obviously, the Yeah. investment and the investment properties and personal investments there. But we can always come back and look at these additional areas down the track. One of the things we talked about was just because, you know, your supers hadn't performed as much as we'd like that then along the investment was down this year, so we wanted to try to get the advice updated, get the super working a bit harder, and replace those underperforming investment straight away, and then come back and look at other advice down the track. Does that still sound appropriate to you both? Is there any changes or anything that should be different in that area? No. I think that's right. This is fine. Yep. Yep. Yep.","start_word":1414,"end_word":1794,"sentiment":"neutral","sentiment_score":0.05337886207216368},{"text":"Perfect.","start_word":1795,"end_word":1795,"sentiment":"positive","sentiment_score":0.6100659370422363},{"text":"I'm gonna skip a couple of pages now because you do get to go back and have a good look at and review everything afterwards. But just to kinda jump into the recommendations and go through things with you, if you can scroll down to page number 13 there for me, and this is starting for yourself, Paul. Yep.","start_word":1796,"end_word":1854,"sentiment":"neutral","sentiment_score":0.27579739689826965},{"text":"Beautiful.","start_word":1855,"end_word":1855,"sentiment":"positive","sentiment_score":0.5754783153533936},{"text":"So, essentially, I did have a look at your super funds as a whole, both of them. Essentially, I am recommending you do stay within hub twenty four. Essentially, when I sort of go back and look at the research, I look at Hub twenty four as a platform, but also all the other platforms out there. I look at sorry. All the investments that you have within the platform, you guys are both balanced growth investors. So it has that seventy thirty split between growth and defensive investments as we kinda went through. Essentially, if I had a looked at and, realistically, we did assess it, but, technically, decided not to go that way. But for yourself, Paul, if we had have looked at, say, selling all of your investments down and moving you to a new platform, the full sell down would have meant your super fund had a tax liability of 7,000 oh, sorry. $17,252.20. Hello? So remember last time we talked about when we're looking at switching investments, your super fund, like you, does a tax return. It pays income tax and capital gains tax. Yeah. So part of what I did to go back and review everything was to look at the tax consequences and what that might look like for you for your super fund. And, essentially, because, you know, as much as you got a really great balance, you've had a lot of growth in there as well even though the performance hasn't been where we sorta like it to be for the year. So if we had a sold down everything and moved you to another fund, yeah, it would have essentially meant there would have been capital gains to your fund of over $17,252. So I discounted that and didn't go that way and then looked at other ways to alter your portfolio for you so that you could retain hub twenty four, still switch the investments out and have them working a bit harder for you and also save on fees. Okay? Yep. Yep.","start_word":1856,"end_word":2199,"sentiment":"neutral","sentiment_score":0.01331298326163791},{"text":"Thank you. Excellent. That's okay.","start_word":2200,"end_word":2204,"sentiment":"positive","sentiment_score":0.495886892080307},{"text":"If you go down to page number 17 for me, this is your fee comparison table which outlines essentially the recommendations and a lot of the reasoning behind why I've recommended this for you. Yep.","start_word":2205,"end_word":2239,"sentiment":"neutral","sentiment_score":0.184365913271904},{"text":"Beautiful.","start_word":2240,"end_word":2240,"sentiment":"positive","sentiment_score":0.4370182752609253},{"text":"So, essentially, at the moment within the hub twenty four, you've got your current balance at the 951,054. You've also got your administration fees, investment fees, any other fees applicable, your ongoing service fee and contributions in there as well. Those contributions are net, so after the taxes have been taken out inside the super system. Within your hub twenty four, you're in that balance growth environment currently. And when we kind of look at how these investments have performed over the past five years, it's averaged about 7.57%. So while it's not bad, it's not exactly where you'd sort of want it to be. Realistically, a balanced growth environment, you're looking to get between six to 8% on a yearly basis and compounding that forward. This does hit that, but Benelon has been holding it down. And, realistically, we wanna get the best out of our super. Just because you can get a six to 8% return doesn't mean you want don't want more. We wanna make sure we're getting the best out of our super no matter what portfolio we're in. Yep. So what I am recommending for you is, as for the next column, we retain HUB 24. Essentially, we are gonna switch the investments within that, and we understand, as as I mentioned, I wanted to reduce that tax consequence as much as possible. And you'll see in the differences column there, in order to make the switch, and I'll show you what that looks like in a second, but the estimated tax consequence for your super fund is only $689.","start_word":2241,"end_word":2505,"sentiment":"neutral","sentiment_score":0.1138243872602031},{"text":"So it's much better than 17,000, and it still allows us to alter the portfolio for you as well.","start_word":2506,"end_word":2524,"sentiment":"positive","sentiment_score":0.454728364944458},{"text":"Does that make sense? And do you have any questions so far? No. So that's by No? getting rid of Ben Long and buying other things. Is that Yep. correct? Yeah. Investing Yeah. in Abs other things. absolutely. Yeah. Definitely. Now underneath that, you'll also then see your admin fees don't change because they're not changing the platform, but your investment fees do.","start_word":2525,"end_word":2587,"sentiment":"neutral","sentiment_score":0.028706736862659454},{"text":"So this newer the changes I'm making to your portfolio actually reduce your investment fees. It's expected to save you $1,303 for the first year in investment fees, which is great. That's more money or less money that you're paying out to suit Yes. for fees and more money that stays invested in your super for you. And that investment fee reduction actually outweighs the CDT.","start_word":2588,"end_word":2653,"sentiment":"positive","sentiment_score":0.5407969355583191},{"text":"So it covers the cost of the capital gains for the inspection of investments and provides Yes.","start_word":2654,"end_word":2670,"sentiment":"neutral","sentiment_score":0.26608172059059143},{"text":"you with a further discount there, which is good. That's what we wanted to see.","start_word":2671,"end_word":2685,"sentiment":"positive","sentiment_score":0.5049126744270325},{"text":"Yep. Okay?","start_word":2686,"end_word":2687,"sentiment":"neutral","sentiment_score":0.2346719056367874},{"text":"The newer portfolio, it still keeps you in that balanced growth environment, that seventy thirty split, but the newer portfolio has averaged about 8.53% on a yearly basis. So it has the potential to do a lot more. And if you look at the table below, which is the projection table over the next four to five years, this newer portfolio, taking into account all the above in that, projection table, it essentially shows it can put you in a much greater position over the next four to five years, which is what we'd like to see happen to your super.","start_word":2688,"end_word":2788,"sentiment":"positive","sentiment_score":0.4429177045822144},{"text":"Okay. Yeah. See that? Yep. Mhmm. Yeah. Now to show you what that looks like, if you go down to page 19 there for me, Paul, you'll see the changes that we are gonna make to your super fund. Can you see the investment table there? Yeah. My Yeah. glasses are oh, I'm sorry. My glasses get on on laptop. That's okay. Did you wanna grab your glasses, or did you need to do I've anything? got them I'm on. happy to hold Like for you. You got no. them? That's all. I can I can see it now? It is me. Take Okay. your notes. That's alright. I'll go through it easily. Essentially, what we're gonna look at doing is I've tried to, as I mentioned, reduce the CGT as much as possible, making sure things work as hard as they can for you. So just making some slight alterations to your portfolio to remove any underperforming investments there. Essentially, the Ben along Australian Equities is the top investment. We are gonna remove that wholly from your portfolio, so that is sold down to zero and removed there. The Yes. ClearBridge infrastructure fund, that is looking at infrastructure and commercial property that has done really well.","start_word":2789,"end_word":2995,"sentiment":"neutral","sentiment_score":0.02542376079133167},{"text":"It does still see growth, and it is an integral part of having a diversified portfolio.","start_word":2996,"end_word":3011,"sentiment":"positive","sentiment_score":0.4239438474178314},{"text":"So you hold about 6% at the moment. We wanna hold 7% there. So it does mean just buying a little bit more and rebalancing your portfolio back as well. Okay. Yep. Yep. We've also got the Global x battery and lithium tech.","start_word":3012,"end_word":3054,"sentiment":"neutral","sentiment_score":0.16223089396953583},{"text":"Essentially, that has done quite well this year.","start_word":3055,"end_word":3062,"sentiment":"positive","sentiment_score":0.3717826306819916},{"text":"We have seen a lot of ups and downs. This is more of a thematic. It's called a theme DTF where it is focusing on a specialized area within the investment spectrum.","start_word":3063,"end_word":3094,"sentiment":"neutral","sentiment_score":0.04774555191397667},{"text":"Having this, it does get really good growth, and the idea is you wanna see great growth in tech and battery and lithium is still seeing some good growth in areas.","start_word":3095,"end_word":3125,"sentiment":"positive","sentiment_score":0.36850038170814514},{"text":"So we wanna hold about 7% of that investment. You're a bit overweighted at the moment, which means you have seen some good growth in that area. So we just wanna sell that down a little bit and reweight your portfolio. Yep. Okay? You've also got the BetaShares Bank hybrids. Now these are being phased out down the track, so we opted to remove them now whilst we are making some changes to your portfolio best to make as many changes as possible to limit having to make more changes down the track Oh, sorry. unless That's we the have BETA to. shares, the b e t Yeah. a. So Yep. okay. Yep. Yep. It's got the ticket code, the API code BHYB. Can you see that one there? Three page oh, the top one. 100And20001, the red one. That's right. That's it. Yeah. Yep. Yep. Yep. Yep. It's 1234 from the top of the page there. Yeah. So you're getting rid of that. Yeah. We're removing that. Yeah. It is gonna be phased out, so we are best to look at removing that completely and replacing that. Yep. Now they bank hybrids are more of a complex investment type, but, essentially, they are a defensive investment. They are seen as lower risk. They tend to expect a lower rate of return, but they're very much income producing. So we are gonna remove that now rather than waiting till we have to down the track and sort of replace that in your portfolio currently. Okay? Yeah. You have some Global x Physical Gold.","start_word":3126,"end_word":3388,"sentiment":"neutral","sentiment_score":-0.013325474533064737},{"text":"Physical Gold has done really well.","start_word":3389,"end_word":3394,"sentiment":"positive","sentiment_score":0.365859180688858},{"text":"You're a bit overweight in your portfolio at the moment. You're holding a bit over 10%. We only really wanna hold 7%. So whilst we are removing some of the investors that haven't been performing and new portfolio, the other important thing to do is to rebalance the investments that we wanna keep in there. Essentially, when you are recommended if originally you recommended 10% in every investment and say some investments went up to 12%, others went down to 9%, it's important to reweight them and sell some of the investments that have gone up and buy into the ones that have gone down a little bit. That helps to rebalance your portfolio and reweight your risk profiling. You guys are very much in the middle and don't like to take on a lot of risks. So, essentially, if we don't rebalance the portfolio and we just let it outweight, some of the investments have performed better than others, but it means that you could have more risk in your portfolio than what you're comfortable taking or less than you're comfortable taking, and that also affects your returns as well. So rebalancing your portfolio every so often is just as important, and that's part of what we wanted to do here as well for you. Okay? Okay. Yeah. So So can with I the just physical ask you that question? sure. You Absolutely. said sometimes you buy into things that aren't going as well. Yes. So why would you do that then? Because it's always good to it's always good to buy low. So when investments are still Oh, quality yeah. True. investments, they might see having a dip because of global markets or something happening globally. Still. Taking advantage of the downtime is really important. They always say buy into the dip. So buy low, Perfect. sell high. Yep. In all honesty, that can be some of the hardest things for people to do because when we see things going down, we don't see performance as well.","start_word":3395,"end_word":3733,"sentiment":"neutral","sentiment_score":-0.0594665685058695},{"text":"It can make us really nervous.","start_word":3734,"end_word":3739,"sentiment":"negative","sentiment_score":-0.4239250421524048},{"text":"So what Yep. we like to do and what we've done with Bannalong is assess whether that investment is down because of just the downtime or whether the investment is actually worth getting rid of. We Yep. did that. It is not worth keeping the Bannalong, but other investments have just seen a bit of a downtime, but they are still worth keeping. And one of those is, like, the battery and lithium tech you can see there. That has had its ups and downs. You're Yes. overweighting that at the moment, but this year, it did have a little bit of a downtime as well. We are still keeping that in the portfolio even though it went Yes. through that and down because it is still a quality investment.","start_word":3740,"end_word":3869,"sentiment":"neutral","sentiment_score":-0.05483951047062874},{"text":"It is still a good place to be invested.","start_word":3870,"end_word":3878,"sentiment":"positive","sentiment_score":0.4764552116394043},{"text":"And when some investments are down, buying in at that time means that you buy into the discounted you buy into the discounted purchase price. As an example, I like to use if you had invested a $100 in CBA one day, and you bought you know, that share was worth a $100, you would buy one share. If that investment went down to $50 the next week and you put a $100 in, you'll get two units of that same investment. If it then Yes. went up to a $120, you would buy not even a whole of the following week. So the idea is to keep investing through the ups and downs. And Yes. when the market is down, when the investments aren't performing as well, you buy into the discounted unit pricing, which means you end up buying more units over time, and it helps to eliminate market risk as well as much as possible because you're taking advantage of the downtime.","start_word":3879,"end_word":4043,"sentiment":"neutral","sentiment_score":0.1310878023505211},{"text":"You're just investing in over time, and that can provide greater returns when you think about it. That can actually help your portfolio grow over the, you know, next five, ten, twenty years. You end up buying more units.","start_word":4044,"end_word":4082,"sentiment":"positive","sentiment_score":0.5306386351585388},{"text":"You take advantage of the downtime, and you see a lot more growth as the market recovers Yep. as well. So Right. does that So make you think sense? yes. Yeah. So you think that these are gonna come back up, obviously, or you wouldn't invest in it? Yeah. Correct. Absolutely. Yes. Absolutely. It's Okay.","start_word":4083,"end_word":4137,"sentiment":"neutral","sentiment_score":0.11869563162326811},{"text":"also Perfect.","start_word":4138,"end_word":4139,"sentiment":"positive","sentiment_score":0.3490740954875946},{"text":"good to sort of look at where these investments have come from. So the other thing I like to look at is what kind of downtimes the investments have been through. Most of these investments have been through, downtimes like the GFC and COVID. They've gone through that. They've come back and they've stayed. People have continued to invest into them.","start_word":4140,"end_word":4200,"sentiment":"neutral","sentiment_score":0.0388345941901207},{"text":"So they are good quality investments.","start_word":4201,"end_word":4206,"sentiment":"positive","sentiment_score":0.3914502263069153},{"text":"They've been around for a really long time, and they can withstand that market volatility, which is important as well. I wouldn't Yes. wanna invest you in anything which has only been around for one or two years No. where it doesn't have that history of or it doesn't have that history or longevity of investment time horizon, and it doesn't show that it's been through the ups and downs the market can provide to you.","start_word":4207,"end_word":4282,"sentiment":"neutral","sentiment_score":-0.09561821818351746},{"text":"So that's why these sorts of investments are good quality and worth investing in, essentially.","start_word":4283,"end_word":4297,"sentiment":"positive","sentiment_score":0.3903351426124573},{"text":"Yes. Yeah. Yeah.","start_word":4298,"end_word":4300,"sentiment":"neutral","sentiment_score":0.1956406831741333},{"text":"All good.","start_word":4301,"end_word":4302,"sentiment":"positive","sentiment_score":0.39281293749809265},{"text":"Does that answer your question? If it doesn't, please Sure. tell me. No. It does. It does. Yeah.","start_word":4303,"end_word":4320,"sentiment":"neutral","sentiment_score":0.013319960795342922},{"text":"Excellent. Thanks. Excellent. That's okay. It's all good.","start_word":4321,"end_word":4328,"sentiment":"positive","sentiment_score":0.5464251041412354},{"text":"So we're just gonna sell a little bit of your physical gold off. We are gonna cement that, cement the growth you've had there, and redistribute that across your portfolio. One of the things I like to sort of point out is that physical gold is a growth investment. It does see growth, but there's no income production that comes from that. So in order to take advantage of the growth that you get from physical gold, you do have to sell some of the growth and distribute the redistribute the funds throughout the portfolio to help with the compounding effect as well. Okay? So can I ask then, if Absolutely. you say so if you invest in shares, you actually Mhmm. got a dividend that goes back into the portfolio too? Is that That's correct. correct? Yeah. Yep. Well, that's interesting. That's why Yep. I understand because gold just goes. It's like a real Yes. estate. It just shows up. That's Yeah. I know that's what you're saying. exactly right. Yes. So what we wanna look at and what we look at is exchange traded funds or ETFs and managed funds that pay dividends. Those Yeah. dividends are paid into your cash account, and then they are back into your portfolio. And that helps with compounding. Yeah. Yes. Okay. Yeah. Jeez. Yeah. Wow. Interesting. Yeah. Absolutely. The next one under there is your core composite bond. So because we are removing the bank hybrids from the portfolio, we're gonna reinvest and keep some defensive assets. Your core composite bonds provide that. We wanna hold 30% because that's sort of, you know, 30% defensive, 70% growth within that balance growth asset allocation there. So core composite bonds, think of them like term deposits. You're putting your money into the bond. It is paying income payments out every, you know, month, quarter, every biannually depending on the bonds within the fund there, and that money is being distributed and reinvested back into your portfolio.","start_word":4329,"end_word":4661,"sentiment":"neutral","sentiment_score":0.0999248225141216},{"text":"This gives you access and exposure to government as well as corporate bonds.","start_word":4662,"end_word":4674,"sentiment":"positive","sentiment_score":0.3664460480213166},{"text":"It also does provide you some international exposure to bank notes and things like that. So it is very much defensive in nature, is expected to get a lower rate of return, but we want this for cash producing.","start_word":4675,"end_word":4713,"sentiment":"neutral","sentiment_score":0.3019196689128876},{"text":"We want income to be produced out of this investment so we can assist with the compounding and provide growth that way for you.","start_word":4714,"end_word":4737,"sentiment":"positive","sentiment_score":0.5177715420722961},{"text":"Okay? Yep. Yep.","start_word":4738,"end_word":4740,"sentiment":"neutral","sentiment_score":0.1567942500114441},{"text":"Beautiful.","start_word":4741,"end_word":4741,"sentiment":"positive","sentiment_score":0.4554872810840606},{"text":"Underneath that, you've got the S and P 500. So this is giving you exposure to the top 500 companies on The US market. Fun fact, the S and P 500 can basically encompass anywhere from 500 to 520 different companies, and you are tracking the top 500 also companies on The US market there. One of the things I do like about these sorts of investments are they are they're always tracking the top 500 companies. Essentially, it follows the S and P 500 index, and the maker of the indices actually meets every quarter, and they reassess which companies are eligible to be within that indices. If at any point a company no no longer meets the criteria to be in the indices, they are removed out of there, and then all the investments that track the indices follow suit. They remove those investments and replace them with anything that has been put back into the s P 500. So you're always tracking that S and P 500, the top 500 companies in The US, and it is a more of a passive investment, which is great. At the moment, it has done really well as much as there's been a lot of up and down within The US. These sorts of investments have done really well still. You've got about 29% in your portfolio currently. We only wanna hold about 25% currently, so we are just gonna rebalance it back a little bit, sell some of the investment, and rewrite you back to 25% there. Okay? Yeah. And then the last two investments are the BetaShares Raffi Aussie two hundred and the BetaShares Australia two hundred. This is giving you exposure to essentially, between the two, the top 200 companies within the Australian market. The Raffy also gives you some exposure to big cap stocks as well. Essentially, between the two, we wanna hold 12% of each investment. You currently do have the Raffy, so we're just going to reweight that and sell a small portion and buy into the a 200 there. A lot of people look at these. They do invest in different companies. You're not doubling up by having both of these investments.","start_word":4742,"end_word":5110,"sentiment":"neutral","sentiment_score":0.1098741005833556},{"text":"It's actually giving you actually giving you greater exposure and diversification and providing a lot more exposure into Australian equities, which is what we wanna see as well.","start_word":5111,"end_word":5138,"sentiment":"positive","sentiment_score":0.3528483211994171},{"text":"So you'll hold about 24% of Australian equities in the portfolio as well.","start_word":5139,"end_word":5151,"sentiment":"neutral","sentiment_score":0.26865410804748535},{"text":"And these two investments are quite passive. They are low cost, but they do give you really good exposure. And the Australian market as a whole still has provided really good returns. Essentially, by removing Van Alung, keeping the Raffy, and then also including the a 200 in this investment, you're actually providing yourself with greater diversification, which helps to mitigate long term market risk sorry, long term market risk and also helps to provide really good returns and a good exposure to a good class of good quality companies on the Australian market as well.","start_word":5152,"end_word":5247,"sentiment":"positive","sentiment_score":0.5209293365478516},{"text":"Does Yeah. that make sense? Do you have any questions in relation to any of that? No. All good. Thanks. Yeah.","start_word":5248,"end_word":5268,"sentiment":"neutral","sentiment_score":0.06976361572742462},{"text":"Beautiful.","start_word":5269,"end_word":5269,"sentiment":"positive","sentiment_score":0.46853968501091},{"text":"So that's essentially changes to your portfolio. It's just utilizing a lot of what we had, replacing the things we needed to, and making sure to rebalance for you as well. Just making those simple changes there essentially means that we are expected to save on investment fees, save about $1,303 there. And to make those changes, as I mentioned, the CDT costs are only expected to be $689 as well.","start_word":5270,"end_word":5340,"sentiment":"neutral","sentiment_score":0.28395530581474304},{"text":"So this has provided greater past performance. It's a lower cost portfolio for you, and it's also had greater past performance, which we can if we get the same market conditions, provide a greater future performance there as well.","start_word":5341,"end_word":5379,"sentiment":"positive","sentiment_score":0.5627667307853699},{"text":"I do wanna Yes. make sure we review these investments with you regularly to make sure they are working. And if anything else needs to be moved out the portfolio, we make sure that we do that for you as well. Okay. Alright. Can I just ask a question? I think Absolutely. I spoke to your last week or something. Yeah. If I hope I think she passed it on to you. If we didn't have the Benelon, just even Mhmm. just Benelon, what would and say it was even some shares that even made a neutral, not negative. So Benelon made negative, is it? Like, it went Yes. down. So Yes. even that was Ben Long and just whatever those amount was invested Mhmm. in even just neutral and got Yep. 0%, you know, not Yes. not negative, not positive. What percentage Mhmm. would we have made? Because when he told us it was about seven point something percent last a few weeks ago, we thought, I mean, that's pretty good, but I was speaking to people that said, oh, this got over 10%, like, last year. Yeah. And I thought, Yeah. well, you know, so what would we have did you get did he ask you about that? She didn't. But in all honesty, it's very hard to kinda go back and assess because we'd have to go back and look at the whole year, how the returns have gone, look at your funds going in. It's kinda hard to sort of assume what you would have made without the Benelon going down. It definitely would have been a higher return than what you received with Benelon having taken a bit of a dip there. But when it kinda comes to other people making a 10%, this year has been very volatile, and some investments have performed well, some haven't performed well. Majority of super funds out there are only within your sort of age within your range, have only Yes. performed and provided around about a six to 8% return in all honesty. Okay. Yeah. So without knowing when someone else does have got a 10% return, it's about understanding Yeah. what that return is, whether it is a gross or net return, when their contributions are going in, how much their contributions are, what their balance is, what they're Yeah. invested in, their risk profile. So there's a lot more to sorta consider there. I definitely know you would have made a much greater return than what your portfolio did, but I'm not able to kinda go back and assume Yeah. what you would have got Sure. if Bennelong hadn't been in there Yep. just because That's it's fine. not accurate enough for you. But Yep.","start_word":5380,"end_word":5839,"sentiment":"neutral","sentiment_score":-0.03825069914531449},{"text":"I can safely tell you it would have been much greater than that, and that's why I wanna make sure we definitely touch base again in about six months, around about March so we can assess your goals, but also check with how this Oh, is yeah. performing Cool.","start_word":5840,"end_word":5888,"sentiment":"positive","sentiment_score":0.3971346616744995},{"text":"and see Yep. what you're sort of tracking for moving forward to make sure things work a little bit harder for you both. Is that okay? I'm so sorry Yes. I couldn't Sure. give you the exact Yeah. answer That is for okay. that one. Yep. No But there problem. are a lot a lot more things to consider there. And one of the things I do sort of like to note is that when you're looking at the industry funds, essentially, they're when they're reporting on their websites and things like that or when they're telling their clients what they've made, they're normally not giving you a standard, you know, what your net return is for your super fund. They're basically saying, hey. This is what our fund has done. This is the the four phase figure of what we're reporting, essentially. So it is a little bit harder. When it comes to hub twenty four and what we do, we have to be a lot more we're a lot more scrutinized. So we actually Yep. have to provide you with a net return, and it is a return based on your portfolio. So it Yes, does ma'am. they're not really apples to apples, which is a little bit not great, but is this this at least gives you, you know, more clarity around your return and is it before or after fees and what that looks like, which means Yeah. that For sure. when we make these changes, we can actually track those changes and see what you're tracking for and how this should look for you moving forward. Okay? Okay. That's fine. Yeah. Yeah. Yeah. Yeah. Yep. Yep.","start_word":5889,"end_word":6169,"sentiment":"neutral","sentiment_score":-0.000599014045823087},{"text":"Excellent. That's all good.","start_word":6170,"end_word":6173,"sentiment":"positive","sentiment_score":0.7127024531364441},{"text":"Cath, if you go down to page number 22, this is essentially looking at yours now. Am I done? It's called done? Yeah. If you're comfortable, Paul, that's everything. Did you have any questions that you wanted me to go through or answer for you? Is there anything that's kinda come up through any of that? Just, you know, when you talk about the battery thing, the back battery technology lithium. The living yep. I didn't listen to text. Yep. Have you looked at a new technology called I think it's a sodium ion technology? I have yeah. I have. It does sound really good, but it is very new, therefore, very speculative. Yes. And I was very hesitant about looking at anything like that for your super because we're reducing risk, and you're very conservative and very close to accessing super. It's very volatile, And Yeah. that kinda worried me a little bit. Putting you into something like that means you could see more ups and downs, and you're increasing Yes. the risk level that you're taking. Yes. And I was with that balanced growth environment and where you are risk wise, it didn't really fit comfortably for me. So that's why Okay. I wouldn't put that in your portfolio currently for you. Yeah. Yeah. Yeah. Because that Yeah. that potentially if research goes well, that Yeah. will that will overtake this technology. It is pretty cool, though. What they're doing is insane. Yeah. And it's a safe it's a safer profile too. It's a it's a more stable Yeah. system. Yeah. As Yes. far as the active active type, Yeah. So it holds it holds better what it has a better energy capacity, and it has a lower risk of fire. So Yeah. I think It's as that technology it's pretty picked good. up, it'll be a better Oh, system.","start_word":6174,"end_word":6485,"sentiment":"neutral","sentiment_score":0.005061559061943673},{"text":"So So can I absolutely. so can Yeah.","start_word":6486,"end_word":6493,"sentiment":"positive","sentiment_score":0.4556153416633606},{"text":"I ask something on top of that for what Sure. Paul said? Say if we do end up selling a commercial property, Mhmm. like, if they still haven't they're they're very close to signing, but they still haven't yet. Right? So, of course, they're gonna have money left over because, you know, it's pretty significant super and that sort of thing after you're planning to do it. Yeah. Then Yeah. what it's called really interested in this and you think it's a good thing, would it Mhmm. be worth putting we could invest some of the money into that? Not even that super just as a side Can you write deal me? or Yeah. could what would Yeah. that be worth looking at? Yeah. You could absolutely look at doing that. We can provide advice around the area if you'd like to. It'll just be about looking at the risk level, looking at, you Sure. know, what it is, how we invest in that, whether it be in your own name. As Yep. long as you're accountable, things like that, I'd be more than happy to look at those sorts of investments as part of that, you know, personal investing space and see what you're Yeah. comfortable Sure. with. Yeah. Well, Absolutely. it's just that I I've never heard of it. But considering Paul has obviously booked it up and knows Yeah.","start_word":6494,"end_word":6725,"sentiment":"neutral","sentiment_score":0.09934069216251372},{"text":"a bit about it and thinks it's good.","start_word":6726,"end_word":6733,"sentiment":"positive","sentiment_score":0.3934057056903839},{"text":"I guess, Yeah. so I've always found doing it now. When when we if we end up selling See Yeah. how it's going. And then we actually and then they settle, we can talk then. But you know what I mean?","start_word":6734,"end_word":6774,"sentiment":"neutral","sentiment_score":0.1289060413837433},{"text":"But that's a great idea.","start_word":6775,"end_word":6779,"sentiment":"positive","sentiment_score":0.5134752988815308},{"text":"It will be something Yeah. if if that's a, like, a Infancy stage in the life today. Yes. Yeah. So should Yeah. it care? Mhmm. Which type of people will pay. Right? Yeah. Anyways, that's yeah.","start_word":6780,"end_word":6815,"sentiment":"neutral","sentiment_score":0.08001861721277237},{"text":"Good idea.","start_word":6816,"end_word":6817,"sentiment":"positive","sentiment_score":0.5003212094306946},{"text":"I've got Yeah. a couple Yeah. of things that I will need to do if that's okay. Yeah. You're Hold fine, it. Paul.","start_word":6818,"end_word":6840,"sentiment":"neutral","sentiment_score":0.025973959618410015},{"text":"That's absolutely fine. Thank you so much for your time. Alright. I really Now appreciate thank it. you. You Thanks have a for good your have hard a work.","start_word":6841,"end_word":6869,"sentiment":"positive","sentiment_score":0.6173477172851562},{"text":"good day. No. Not at all. Not a problem. Okay, See, Cass. I'm So here this too.","start_word":6870,"end_word":6886,"sentiment":"neutral","sentiment_score":0.13644948601722717},{"text":"is excellent.","start_word":6887,"end_word":6888,"sentiment":"positive","sentiment_score":0.5288455486297607},{"text":"Oh, So this is for yourself. Yeah. You're right. yeah. Sorry. The the beneficiary just come through. So, Paul, if you can print oh, can you print the notes now, sign it? Yeah. Alright. You've Sorry. gotta you've gotta get a witness as well. So sign it when you can get it witnessed. Sure. That's the time that we'll do Yep. tonight. Yep. Can Yep. I get And a dose? Is it to do it or does it have to be a external person? No. That's fine. So you can it's gotta be two witnesses. Sure. One of them can't be the beneficiary. So Paul can't witness the documents. So your daughter and somebody else, as long Yep. as she's over 18, that's absolutely fine. Yeah. Perfect. Yep. Okay. Excellent. Alright.","start_word":6889,"end_word":7019,"sentiment":"neutral","sentiment_score":0.01351693458855152},{"text":"Fantastic. Thanks.","start_word":7020,"end_word":7021,"sentiment":"positive","sentiment_score":0.398911565542221},{"text":"Over there. Still download. Still download it. Yep. No problem. Thanks. Okay. Excellent. Thank you. Yep. Go No. ahead. That's okay. You're fine. Okay. Thanks. So with this one here, as we kinda mentioned, we are looking to retain your NGS super there, but we only wanna hold 10,000 in it. So we are gonna roll some funds out of the NGS super. Just retaining Yep. 10,000, have everything else invested in hub twenty four working harder for you as well.","start_word":7022,"end_word":7102,"sentiment":"neutral","sentiment_score":0.12124976515769958},{"text":"Perfect.","start_word":7103,"end_word":7103,"sentiment":"positive","sentiment_score":0.4403104782104492},{"text":"We want your super contributions to continue to go into NGS Super, and we'll make sure that each time we speak to you, we update the the balance within an NGS Super. Essentially, every year, we wanna complete rollovers, only leaving that $10,000 balance there. But what I'd probably like to do is essentially look at it whenever we do a catch up and Yep. get an updated balance from NGS. I'll find out how much is in there, and we could probably even do regular rollovers once every six months.","start_word":7104,"end_word":7194,"sentiment":"neutral","sentiment_score":0.164669536791005},{"text":"So we're rolling over small amounts of money on a regular basis, which is Perfect. dollar cost averaging in the hub 24, which can actually Yep. provide you with a much greater return and assist your Subaru by working harder there as well.","start_word":7195,"end_word":7237,"sentiment":"positive","sentiment_score":0.4343876242637634},{"text":"Okay? Perfect. Can I ask X. though, could Sure. we leave 5,000 or 2,000 in there or that's not We enough? we can't. We have they have a minimum of 10 Oh, a minimum fair enough. of six, and Yep. we leave Perfect. 10 because your insurance premiums also come out. So Yep. that's Yep. why we No. don't leave less. Yeah. Yep. Fair enough. Yep.","start_word":7238,"end_word":7303,"sentiment":"neutral","sentiment_score":-0.016014739871025085},{"text":"Excellent.","start_word":7304,"end_word":7304,"sentiment":"positive","sentiment_score":0.41838008165359497},{"text":"Now, Kath, if you go down to page number 27 for me, Yep. this is essentially your fee comparison table showing your current and recommended. Yep. And I'm 2727. Yep. Yep.","start_word":7305,"end_word":7335,"sentiment":"neutral","sentiment_score":0.0959540829062462},{"text":"Beautiful.","start_word":7336,"end_word":7336,"sentiment":"positive","sentiment_score":0.40268343687057495},{"text":"So the current table shows your balance between your NGS super and your hub 24 there. You've got your investment fees, admin fees, any other fees applicable, the ongoing service fee for us looking after everything, your contributions going in, and your insurance premiums there as well. Between the two funds, you're in that balanced growth environment. And when we look at how the two funds have performed over the past five years amalgamated, it's averaged 7.47%. We wanna Yes. make sure sure things work a lot harder for you. So in Yes. the recommended column there, we're gonna retain 10,000 in NGS Super, roll the rest into hub 24. In order to make the investment switch for yourself, your portfolio is gonna be different to Paul's because I was able to update your portfolio, update a lot more of your investments, but your CGT consequence is going to be a lot smaller as No. well. In order to make the changes that we're gonna make, your super fund is only expected to have capital gains of 382,000. Sorry. $382. My apologies. Yep. Oh, so I've Yeah. just looked and I know you would have been through it. So actually, Mhmm. I'm paying a thousand dollars a year. Wow. For the yeah. For And and the insurances? and Yeah. what's the death what's it again? I'm sorry. What was that? What's the death the death insurance? What what how much is that again? Oh, the death benefit? Yeah. You're right. I've got that here. Not a problem at all. Let me just scroll back up for you. Sorry. My computer's having it a minute. It's just loading.","start_word":7337,"end_word":7613,"sentiment":"neutral","sentiment_score":-0.01881446106366087},{"text":"It froze on me.","start_word":7614,"end_word":7617,"sentiment":"negative","sentiment_score":-0.4289514422416687},{"text":"Love when technology works for us.","start_word":7618,"end_word":7623,"sentiment":"positive","sentiment_score":0.3792163729667664},{"text":"Essentially, with your life benefit currently in NGS, you're covered for 222,000 just for life benefit. But if you had to pass away, your super balance is paid out on top of that. And the total permanent disability is 80,000. So even though oh, in one lump sum, not a year, obviously. So, Right. yeah, the the TPD can be paid out as a lump sum or an income stream. And, again, if Oh, you sure. claim on TPD, so permanent incapacity, we can also claim against your super so you can have your super balance released as well. So, really, this is for probably three more years of me working, Yeah. and then it's gone anyway, isn't it? Because, well, seven or not Yeah. They yeah. do tend to expire. Life cover doesn't expire as quickly as your disability covers, so it tends to be your income protection, your TPD expire a lot faster. Your life insurance, you can hold a lot longer if you want to. But, realistically, when we look at insurances, we only really wanna hold them as long as we need to. I mean, Yes. if you guys end up being completely debt free, is it at a point where you need those insurances or not? Consolidating at some point when you get to retirement, we tend to not need any disability income protection, even life cover, and Yes. we tend to sort of cancel that point. Because if we're, you know, in retirement, we've stopped working, so we're already drawing an income stream out. So it sort of doesn't help to pay for insurances that you're not gonna be able to claim on with TPD and income for income protection. Sorry. And then often, we just don't need the life cover either because if we pass away, our super benefit pays out anyway. So, That's realistically, wrong. most people tend to cancel them at retirement age. And then if that happens, we can consolidate everything. But if you guys Yeah. sell the commercial property and end up debt free and look at investing, we could also look then. Do you still need those covers, or is it worth consolidating them if you've got investments and not needing any and not having any debt? So there's definitely times when Yeah, they don't need so them anymore. I just worked out Yeah. roughly. If I paid it for the next three years, Yep. it's a rough growth of 8.45 just roughly. It's about Mhmm. $4,000 that I'm missing in Yeah. my super. Yeah. Yeah. Yeah. It does Okay. have a bit of a long term effect there, which is not great. But yeah. I mean, Yes. for now, it's good because if anything happens right now, you could That's have right. that coverage to provide that protection. But we'll just review it when we come back in March and have a look Okay. at, you Cool. know, what your next sort of goals are, what we've got. We can always assess them again. And at any point, if you decide you don't feel like they're working or you don't need them anymore, we can always come back and update the advice for Yep. you as Yep. well. Okay? Perfect. Okay. Yep. Perfect. Yep.","start_word":7624,"end_word":8170,"sentiment":"neutral","sentiment_score":-0.0609481341496682},{"text":"Excellent. Fantastic.","start_word":8171,"end_word":8172,"sentiment":"positive","sentiment_score":0.5310382843017578},{"text":"So with that newer portfolio, we estimate CGT to be $382 there. Essentially, by moving some more money into hub twenty four, it does increase the admin fee slightly by $32 for the year. But Yep. your newer portfolio is a lot cheaper, again, the same as Paul's.","start_word":8173,"end_word":8220,"sentiment":"neutral","sentiment_score":0.13676027953624725},{"text":"It's saving you quite a good amount of money. It's expected to save you $356 Yep. for the year on investment fees. So that's good. That's reducing fees. Yep.","start_word":8221,"end_word":8249,"sentiment":"positive","sentiment_score":0.6524456143379211},{"text":"The ongoing service fee does essentially remain. The contributions will still go into NGS Super, and that'll also have your insurance premiums coming out of for a bit longer there as well. Okay? Yep. Yep.","start_word":8250,"end_word":8284,"sentiment":"neutral","sentiment_score":0.2531088888645172},{"text":"With your balance growth portfolio with the newer portfolio between the NGS Super and Hub twenty four, it has performed about 8.45%. So it has performed greater than your current scenario, which if you sort of look over the next five to ten years, can put you in a much greater position there. But we wanna build on that and make sure you're in an even better position than that.","start_word":8285,"end_word":8354,"sentiment":"positive","sentiment_score":0.44445645809173584},{"text":"So we'll come back in March and reassess things and look at what we can do moving forward and what we do with the proceeds of the funds and if Paul gets his redundancy and things like that as well. Okay? Yes. Yep. Yep. Yep. Yep. Beautiful. Understood. If you can go down to page number 28 for me, this is showing you Yep. the buyers and sales for your portfolio. It is a little bit bigger. Yep. Yep. Beautiful. So with NGS, so for there, you'll see we are gonna roll about 16,505 and 20 out. That leaves about 10,000 sitting in there for you. We don't need to change anything within within NGS. That's all currently okay. There's no point switching the investments within there currently. Oh, sorry. You When said we kind 29 of that's 29 '28. Sorry. You said 28. No. I thought you said '28, which is the current NGS, this graduation, current hate, have twenty four, twelve months. Have we really been through that one? Sorry. So just I'm oh, sorry. Page number 29. My apologies. Sorry. okay. So what is page number 28? Sorry. So that's I just showing you that's okay. That's showing you essentially all the research, the returns between the two. So the current at the very top shows you the twelve months, three year, five year, ten year performance yep. for NGS super, and then it also shows you have 24. And then the last column is us amalgamating it together. So we take all the investments to two funds, and then we calculate the total amalgamated or aggregated portfolio, which gives you that five year rolling average. And the same thing below, it looks at the recommended portfolio, so what you can get or what has happened performance wise within NGS Super as well as Hub 24, and then we aggregate the two together to get the 8.45, essentially. So, basically, would that that gives a bit of an idea then. It Basically, does. the question I asked before, the current Yeah. NGS, the last twelve months made 9.93. Yeah? For NGS, yeah, that's what they've reported. Yeah. Yeah. Definitely. So with yours, it's So yeah. if Benelon Sorry. wasn't there, maybe it was up around that. Well, the the hub 24 in the current over the past five years has averaged 7.57%. So NDS hasn't performed as well. No. Realistically, Totally. if if and I'm just surmising here based on sort of the fact that Bennelong has been down pretty heavily. Yes. But, realistically, you could have got up between eight to 9% return very conservatively if Bennelong had performed well. Because when you No. look at Bennelong over the past thirty years, it's performed and had really good, you know, 2030% returns. So Yes. that in itself, when you amalgamate that with the rest of the portfolio, it could have made a difference of one to 2%. Conservatively, it could have made a lot more. So then you could have got a 10% return, Yep. but that is just summarizing based on me running the quick math and everything, but I'll never really know exactly what you No. would have Fair. got Fair. prior. Fair. Yep. Yeah. Yeah. Yep. But you can definitely Okay. see the difference between the two, and the last column is our aggregated to how we work out our returns. We amalgamate the two together. Okay? Yep. Okay. Yep. Yep.","start_word":8355,"end_word":8932,"sentiment":"neutral","sentiment_score":0.07532978856414041},{"text":"Perfect. Beautiful. Excellent. Awesome.","start_word":8933,"end_word":8936,"sentiment":"positive","sentiment_score":0.7074357271194458},{"text":"Yep.","start_word":8937,"end_word":8937,"sentiment":"neutral","sentiment_score":0.30384403467178345},{"text":"Fantastic.","start_word":8938,"end_word":8938,"sentiment":"positive","sentiment_score":0.5301762819290161},{"text":"So 29 is your investment table there. Yep. So we're just leaving 10,000 in the NGS super. So 16,505 is rolled out into Hub 24. Yep. And then we're also removing your Ben along Australian equities investment, completely removing that to remove the underperformance. Yep. In your portfolio, I am removing the ClearBridge infrastructure fund because I was able to look at ways to alter your portfolio in other ways to provide as much growth as possible and also to lower the fees as much as possible. Yes. I had to limit how much we could alter poles because any major alterations costed more in CDT consequences. And, realistically, he's a lot closer to retirement. So it's about making sure that we're not gonna have to wait years to make those funds back because he has seen much greater growth, and his balance is much higher as well. So I was able to adjust your portfolio in other ways, than I had to do with Paul's for Yep. you. Okay? Yep. So we're removing the ClearBridge infrastructure fund completely as well. I am in yours moving the battery and lithium tech as well taking that out. You're still gonna have access and exposure to those, but I've found a lower cost way to hold those investments in your portfolio that will work better for you. Okay? Yep. The bank hybrids are also coming out because they are being replaced down the track there, but we still wanna hold physical gold. You've got 11% there at the moment. We only wanna hold 10%. So it's about just selling some of those gains and recementing and distributing those gains across your portfolio. Yes. Yes. To replace the bank hybrids there, keeping those defensive investments, you're gonna hold some core composite bonds in this portfolio, Yep. about 24% in there, and that's gonna give you some income production as well, which is going to be really good. Yes. You've also got the S and P 500. We wanna hold 25% of that. At the moment, you've got about 29%.","start_word":8939,"end_word":9284,"sentiment":"neutral","sentiment_score":0.057653527706861496},{"text":"So you have seen some really good growth within this investment. So we are just gonna sell some of that back and redistribute that across the portfolio, just rebalancing that investment to 25% there for you.","start_word":9285,"end_word":9320,"sentiment":"positive","sentiment_score":0.5465492010116577},{"text":"Okay? Yes. With yours, the Raffy is removing out of that because it was able I was able to find a lot you know, a different way to sort of hold those investments Yes. and also making sure to because your balance is lower than Paul's, reducing costs as much as we possibly can. When you sort Yep. of look at the investment side of things, your investment fees were much lower to begin with, but they're even lower now, and it's saving Yep. about $356. Whereas Paul still got some of those higher cost investments. Now we were able to save a lot of money in investment days, but because of his balance, I couldn't remove a lot of additional investments. So we had to limit the CDT effect for him. So No. I am removing the Rafi completely from yours. Yep. We're also then gonna increase exposure or add exposure into cybersecurity. So this is giving you a different level of exposure into battery and lithium tech and cybersecurity as well. It's Yep.","start_word":9321,"end_word":9495,"sentiment":"neutral","sentiment_score":0.08646375685930252},{"text":"essentially giving you global exposure to cybersecurity, which is a great area to be invested in, and diversification is good as well.","start_word":9496,"end_word":9517,"sentiment":"positive","sentiment_score":0.3457438051700592},{"text":"So 4% there. The iShares Europe investments are giving you exposure to all 16 European countries to helping to provide diversification and lower overall market risk. And then you've also got some Japanese exposure holding 3% in Japan.","start_word":9518,"end_word":9555,"sentiment":"neutral","sentiment_score":0.2049950659275055},{"text":"Japan is a good place to see growth. They actually did very well looking after their country with stockpiling fuel this year.","start_word":9556,"end_word":9577,"sentiment":"positive","sentiment_score":0.3661610782146454},{"text":"We didn't do Yes. as well as them, but they were kind of really well prepared for that.","start_word":9578,"end_word":9595,"sentiment":"neutral","sentiment_score":0.24071815609931943},{"text":"So they are a really good investment opportunity. There has been some really good growth there, and I just wanna keep checking that one moving forward. Holding 3% of that investment will work well for you.","start_word":9596,"end_word":9631,"sentiment":"positive","sentiment_score":0.581956148147583},{"text":"Yep. And then the other things to look at is the Vanguard or World ex US. Now we have kind of removed a lot of other things out of their portfolio and replaced it with this. So this is a an ETF or exchange traded fund that is giving you access and exposure to the entire globe. One of the biggest things we can do is diversify to lower our overall risk, and Yep. this investment does that. It gives you exposure to every country minus The US. We don't need The US in this investment because we have the S and P 500 above, and we're holding 25% of that investment there.","start_word":9632,"end_word":9744,"sentiment":"neutral","sentiment_score":0.13994952561581028},{"text":"But this is a low cost way to give you good diversified access to lots of different countries as well as different asset classes Sure. and Yep. give you a little bit of growth in defensive exposure as well, which is what we wanna see. And this investment has done really well as well. Okay?","start_word":9745,"end_word":9799,"sentiment":"positive","sentiment_score":0.4702873826026917},{"text":"Yep. Yep. And then you've got your beta shares a 200 to giving you exposure to the top 100 top 200 companies on the ASX holding 20% of this one. The Vanguard All World ex US does also hold a small component of Australian equities, so we also wanted to encompass that and not hold too much Australian equities. The 20% here plus a small amount in that Vanguard or World Index as well.","start_word":9800,"end_word":9873,"sentiment":"neutral","sentiment_score":0.1795259714126587},{"text":"That gives you really good exposure. Essentially, as a whole, it is low CGT cost to make the switch. It's rebalancing your portfolio with the ones that we need to rebalance and adding some diversified exposure to, you know, help lower market risk, but also provide greater greater performance, hopefully, moving forward within your portfolio. And it's cheaper, Yep. so it's saving you on investment fees, which is really good.","start_word":9874,"end_word":9943,"sentiment":"positive","sentiment_score":0.4411922395229339},{"text":"I wanted to look at ways to reduce fees as much as possible as well to keep more money working harder for you at the end of the day there. Okay. Yep. Yep. Yep.","start_word":9944,"end_word":9977,"sentiment":"neutral","sentiment_score":0.2876342535018921},{"text":"Beautiful.","start_word":9978,"end_word":9978,"sentiment":"positive","sentiment_score":0.5231804847717285},{"text":"With the next page, you've got your cash account there. You've got about $15 more in cash than we realistically wanted to, so we'll just make sure we invest that money and only hold a minimum of 1.25% cash. Essentially, Yep. we didn't have 24. We'd have to have a minimum cash balance. It's 1.25%. We never wanna hold more cash than we realistically Sure. need to, and Yep. part of rebalancing would just be to invest, sorry, that little bit of extra money there for you as well. Okay? Yep. For sure. Yep.","start_word":9979,"end_word":10072,"sentiment":"neutral","sentiment_score":0.10432204778524155},{"text":"Excellent.","start_word":10073,"end_word":10073,"sentiment":"positive","sentiment_score":0.6980292201042175},{"text":"The only other things on there is just making sure that your beneficiaries are done. Those are being sent out, which is fantastic, but a little bit lower on page 32, I have added the beneficiary side of things, and they're just recommending a binding non lapse denomination a 100% to pull on both Yep. those super funds to make sure that everything is sorted. And then even lower Perfect. than that, on pages number 34 and down, it's just about making sure that you guys have a will, have attorneys, and things like that. So Yep. I like to put that in there because it gives you a little bit of reading material, but it also kind of helps to generate that conversation. Yep. It's not an easy Yep.","start_word":10074,"end_word":10203,"sentiment":"neutral","sentiment_score":0.20639225840568545},{"text":"one to have, but it's really good to have that conversation and talk to you your kids about, your family about, and think about what Yep.","start_word":10204,"end_word":10229,"sentiment":"positive","sentiment_score":0.3975467085838318},{"text":"your wishes are and what you want to happen. Yeah. Yep. For sure. Yep.","start_word":10230,"end_word":10243,"sentiment":"neutral","sentiment_score":0.2349957376718521},{"text":"Excellent. All good.","start_word":10244,"end_word":10246,"sentiment":"positive","sentiment_score":0.6135435700416565},{"text":"Now that is basically all the recommendations. We've got in there the ongoing service agreement. You guys are both on 1.10%. Nothing changes there at all, and that Yep. all in disclosed there. How we would run through this advice for you is we'll essentially just start by completing an investment switch, then we'll do some partial rollovers for you from your NGS super, Yep. and then we'll make sure that we the beneficiaries are all being sent out. So we'll make sure they are also applied there for you as well. Okay? Yep. Yep.","start_word":10247,"end_word":10341,"sentiment":"neutral","sentiment_score":0.16359102725982666},{"text":"Perfect.","start_word":10342,"end_word":10342,"sentiment":"positive","sentiment_score":0.5033944249153137},{"text":"Yep.","start_word":10343,"end_word":10343,"sentiment":"neutral","sentiment_score":0.2770422399044037},{"text":"Excellent.","start_word":10344,"end_word":10344,"sentiment":"positive","sentiment_score":0.548814594745636},{"text":"Do you have any questions at all? Is there anything No. No. That's good. yeah. No. No. It's all good.","start_word":10345,"end_word":10364,"sentiment":"neutral","sentiment_score":0.08933606743812561},{"text":"I I understand a lot more now, which is good.","start_word":10365,"end_word":10374,"sentiment":"positive","sentiment_score":0.44648149609565735},{"text":"Yeah. No.","start_word":10375,"end_word":10376,"sentiment":"neutral","sentiment_score":0.15279284119606018},{"text":"That's excellent.","start_word":10377,"end_word":10378,"sentiment":"positive","sentiment_score":0.5054482221603394},{"text":"Yep. That's that's part of what I love about my job is the educational value because none of us knew this at school, and my kids still aren't taught any of this, which is kind of hard and sad. And they're 19 and 20 now, so it's a little bit, you know, Yeah. Exactly. having to teach Yep. them how to how to function and the things that I've learned. And I had to go to uni to learn a lot of this. So Totally. I do Yeah.","start_word":10379,"end_word":10466,"sentiment":"neutral","sentiment_score":0.09593689560212872},{"text":"love Absolutely. that you get to ask questions, and I really enjoy, you know, being able to provide you with the information and, you know, help Yes.","start_word":10467,"end_word":10493,"sentiment":"positive","sentiment_score":0.5290293097496033},{"text":"help you understand why I'm doing what I'm doing for you. So, yeah, Yeah. it's No. good. Absolutely. So I think I just signed it. Can you double check if you've got it back already? Or Yeah. maybe Absolutely. not. Hang on. I'm pretty sure it I think it needs Paul to sign it as well for it to For come the back, same but one. I could see where let it says me check. oh, that's why. Hang on. I didn't signature. What page would that be on there? Hang on. Oh, here. No. Mine's got my little checkbox, but Paul's hasn't. Oh, he's got his own though. He's got going too. Is that right? Yes. So Paul will have his own. There should be two in the email, there'll be two invites, one for yourself and one for Paul. So once you've signed it, it'll then Paul just needs to sign his part as well, and then it will come back to us all fully signed. But on the same document, the same email? Oh, no. Validate And and complete. So there'll mine be has two separate been done. emails. Yes. Okay. Yes. So I think mine's done. So he's he has to do his. Okay. Excellent. Yep.","start_word":10494,"end_word":10703,"sentiment":"neutral","sentiment_score":0.025972675532102585},{"text":"Beautiful. Fantastic. Okay. Perfect.","start_word":10704,"end_word":10707,"sentiment":"positive","sentiment_score":0.45685625076293945},{"text":"Alright.","start_word":10708,"end_word":10708,"sentiment":"neutral","sentiment_score":0.30430322885513306},{"text":"So, yeah, that's I think it's pretty good.","start_word":10709,"end_word":10716,"sentiment":"positive","sentiment_score":0.4583235383033752},{"text":"So now Yeah. if you Yeah. find anything, obviously I mean, I guess, I I will ask. How been long been going down for a little while. I guess, why wasn't it picked up? So I think mid term. Yeah. So it definitely has been. It's just that we haven't been able to remove that from anyone's portfolio without having the conversations first. So, essentially, as we've been going through the end reviews, we've been flagging it with everyone and then going through the advice process to have it removed. But we have to go through the as I was kinda mentioned in the beginning, we're in that best interest duty. So we have to understand your goals and make sure that when we update the portfolio and when we make changes to your portfolio, that is in line with your risk profile, your tolerance, your goals, and what you're actually hoping to achieve. If we had just gone in there and removed that investment out of there, as much as it probably could've mitigated some of the the market drop or some Yep.","start_word":10717,"end_word":10900,"sentiment":"neutral","sentiment_score":-0.021776157026381596},{"text":"of the drop that I had seen, it we risk kind of having you invested in an investment that isn't in line with your goals, that, you know, is overexposing you or isn't actually what you wanted to see.","start_word":10901,"end_word":10939,"sentiment":"negative","sentiment_score":-0.3682966828346253},{"text":"And then we go to the annual review, and we have the next conversation with you. And then we update Yeah. the advice to reflect. So that's why we didn't originally move it, and Go. I've been trying to sort of get through all the annual reviews to have that conversation. The good thing is as much as it was a dip, Benelong is down. It hasn't really and it has affected everyone's portfolios, essentially, but it has been slowly having little parts of recovery here and there.","start_word":10940,"end_word":11027,"sentiment":"neutral","sentiment_score":-0.11718233674764632},{"text":"So it has been coming up slowly. We just decided it's not worth going through the ups and downs. We've given them a long enough time. It had a bit of volatility through COVID as well, and the investment committee just decided with the most recent activity with the investment managers is unperforming. It's just not worth keeping anymore.","start_word":11028,"end_word":11086,"sentiment":"negative","sentiment_score":-0.5597816705703735},{"text":"So Sure. No. That's alright. we've Yep. that's why we've sort of done it as slowly as we had, but just making sure the advice is appropriate and and within your goals as well, which is the most important part. Yeah. Yep.","start_word":11087,"end_word":11128,"sentiment":"neutral","sentiment_score":0.1691456095625957},{"text":"Yep. Perfect. So if we did Absolutely. it every six months, that would be good, wouldn't it?","start_word":11129,"end_word":11145,"sentiment":"positive","sentiment_score":0.4278676211833954},{"text":"Because then Absolutely. yep. Yeah. We can flag things in advance. And if I see anything additional, we'll make sure we get you back in. Yeah. Absolutely. Yep. Okay. Yep.","start_word":11146,"end_word":11175,"sentiment":"neutral","sentiment_score":0.17795301973819733},{"text":"Excellent.","start_word":11176,"end_word":11176,"sentiment":"positive","sentiment_score":0.6097202301025391},{"text":"Yep. Oh, so you know if we do sell the commercial property, how I can put you know, is it brought forward three years or something 100 Yes. and 30,000 each year? Yeah. So the The three the, 90. yeah, so you're thinking about the bring forward rule. Essentially, Three that four. allows So you to yeah. That's okay. It's essentially allowing you to contribute this year's non concessional cap of a 130,000 plus the next two financial years in one go. There are some rules around it about super balance and things like that. But for yourself, Cath, that you know, you're under the limits there with everything. Yes.","start_word":11177,"end_word":11286,"sentiment":"neutral","sentiment_score":0.07413867861032486},{"text":"So we could definitely look at doing that for you. Those funds go into your tax free component within super, so a 100% invested into the portfolio. And that could definitely build your super a bit higher and provide greater returns and also give you a greater benefit down the track. But, yeah, that's the bring forward rule, which is really cool. One of my favorite rules, and being able to Yes. contribute up to 390,000 in one go is pretty awesome.","start_word":11287,"end_word":11368,"sentiment":"positive","sentiment_score":0.5109968781471252},{"text":"Yeah. But then there's also the one the one the fact that I haven't done for the last five years, isn't it? That I only put Yep. in, say, $4,000, so I can put in difference there as well. Can I? Yeah. Definitely. That's the carry forward. It's amazing how they worded these ones, but that's the carry Yeah. forward contribution. So, essentially, it takes any of your unused concessional contributions cap. So concessional contributions are your employer contributions, any salary sacrifice, and or deductible contributions. Yep. It keeps your myGov account and the ACO keep track of what's being noted or reported by your super fund over the past five years as well Yep. as your employer. So any additional cap space over the past five years sits there. And in any one financial year or you can do it slowly over a few financial years, you can essentially go over this year's cap and contribute anything for the past five financial years so long as your super balance is under 500,000 as of the June 30 the prior financial year. Sure. Yep. Yep. Yep. Oh, under Yeah. what? 500,000? 500,000 as of June 30 last financial year. So you meet Oh, that criteria. That's fine. Yeah. okay. So Paul, obviously, we doesn't meet that anyway because Unfortunately, he always puts not. him right up there. But does he qualify Yeah. for the $3.90? And how and how and how would that impact him? So we just have to double check. Let me double check what the the cap is. I'm pretty sure he actually can because the cap is there. But, realistically, if we're looking at trying to boost your super, it would probably provide the greater benefit to yourself. As much as that money going into Paul's super would build on his, if we put it into yours, it means that we're boosting your balance and then also providing you know, getting your super growing a little bit harder as well. So yeah. That's right.","start_word":11369,"end_word":11706,"sentiment":"neutral","sentiment_score":0.10334968289150996},{"text":"That that's perfect.","start_word":11707,"end_word":11709,"sentiment":"positive","sentiment_score":0.5242380499839783},{"text":"But so but then I mean, this is well, I'm talking too about it now, You're really, alright. but I'm wondering You're alright. what we do what we do with the rest. I mean, you know you know Yeah. yeah. Yeah. That's okay. So we can definitely look at putting some into pools as well. Or depending on what you wanna do, we have other ways of investing. So we can build investment portfolios very similar to your super, in, say, hub twenty four or other investments, or we also have investment bonds, which don't have tax consequences.","start_word":11710,"end_word":11807,"sentiment":"neutral","sentiment_score":0.10616309195756912},{"text":"Some of the cool things I like about investment bonds is you're putting money into a bond. If you're happy to keep it there for, say, ten years, that money can grow and build over time. And then after that ten year time horizon, you start to draw income out of that bond, and there's no income tax on that money. It's all tax free if it's held that way. We can, depending on what you wanna do, if you've got grandkids or kids that you wanna put money away for as, you know, a future inheritance sort of thing, we can look at doing that.","start_word":11808,"end_word":11913,"sentiment":"positive","sentiment_score":0.5405377149581909},{"text":"We can Wrong. look at putting money into super, turn deposits.","start_word":11914,"end_word":11924,"sentiment":"neutral","sentiment_score":0.048186998814344406},{"text":"There's a lot of things that we can definitely do with regard to the funds.","start_word":11925,"end_word":11939,"sentiment":"positive","sentiment_score":0.5052651166915894},{"text":"It just comes down to what your goals are, what your risk tolerance is, what you wanna do with the money in the next one, two, five, ten years, Oh, and yep. then Yep. we kind of work out what strategy works better for you as well. So Yep. there's lots of different things that we can do. Yeah. Yes. Okay. Because I have looked at oh, I forget what it was called. I can't even tell you now. It's a really low risk type thing that Mhmm. and it was still saying that, basically, it's about 7.6%, and you get paid Yeah. every Right. quarter. Yeah. Right. You do you remember what it's called? Oh, it's an Australian one. Yeah. Well, I mean, you can also look at what Yes. you've got me, which is the oh, what's it called? V Vanguard. I mean, that's pretty low risk, isn't it? Or or is that Yes. Yeah. So Vanguard Vanguard has lots of different investment options to choose from, and there are some yeah. high risk, some low risk. It just depends on what you're investing in. But Yeah. Vanguard Sure. do have, like, an investment platform very similar to Hub twenty four. And on that platform, you can then invest in all the different in Vanguard different investment options as well. So there Okay.","start_word":11940,"end_word":12164,"sentiment":"neutral","sentiment_score":0.14565731585025787},{"text":"are absolutely those other options that we can look at for you.","start_word":12165,"end_word":12176,"sentiment":"positive","sentiment_score":0.4515049457550049},{"text":"Yeah. Yeah. Definitely. Look. I forget. It started Yeah. with l, but it's Australian. Latrobe? Latrobe. Yes. So they're Yep. advertising even for twelve months. I think it's Yep. 7.65, and you get paid, I think, monthly. You get the interest monthly if you want, or you can roll it back over into it. Yeah. I mean A lot of those are cash accounts, and Latrobe has there are some rules around Latrobe in accessing those funds. So with them, I know with and I've had clients in Latrobe before. They're not bad in any way. They suit a certain type of client, but there are points where if your money's in the Latrobe and you wanna pull money out for any additional reason, they have rules and different fees on things like that. So it can Sure. be hard to access funds. So I'd realistically be wanting to look at how how much you need to access in the short term, what the likelihood of you needing to access is, and how do we get good returns whilst allowing you access to your funds when you need them as well. Yeah. Yeah. Sure. Yep. Yep. Yep. Yeah. No.","start_word":12177,"end_word":12375,"sentiment":"neutral","sentiment_score":0.0892113447189331},{"text":"That's good. That's good to know. Yeah. Excellent.","start_word":12376,"end_word":12383,"sentiment":"positive","sentiment_score":0.435147225856781},{"text":"Alright. Well, I'm I'm gonna go across that briefly. I mean, hopefully, if it goes through, if we're here in the next week or so, Yep. I I'd almost like to start thinking about what we do, you know, Yeah. because it'll Absolutely. probably go through six weeks after that. You know? So Yeah. maybe sometime towards the end of the the end of the year. Because what I think I said you before, if you can write down somewhere that we're gonna I think our capital gains tax is gonna be about 130,000. So I'd like Yes. to invest some money that you we can get growth from and access that, and we don't have pay the 130. Well, we will, but we're not going to like, we hope that we've made a some interest on it, and then we can Yes. access it potentially to pay that. So it's not a full Prior $1.30 to using we've gotta it? pay. Yeah. Yeah. Absolutely. Yeah. No. That's completely understandable. We can certainly look at that. I just would let you know I'm going away next week, so I'll be away for two weeks. But I'll That's be back wrong. early Oh, October. easy. Please. If Yep. you need anything, let the team know. They'll book you in as soon as I get back to talk to me. And, yeah, if you guys find out that you're selling the property and you wanna talk beforehand, you just let me know. I will book you both in at any time that suits you, and we will have that conversation and look at updating Yep. the advice for you.","start_word":12384,"end_word":12660,"sentiment":"neutral","sentiment_score":0.05898873847556243},{"text":"Perfect.","start_word":12661,"end_word":12661,"sentiment":"positive","sentiment_score":0.3362956643104553},{"text":"Okay? Perfect. Where are you off to? I'm going to Victoria. We're gonna drive the Great Ocean Road.","start_word":12662,"end_word":12679,"sentiment":"neutral","sentiment_score":0.12249446660280228},{"text":"Beautiful. Excellent. Lovely. My 10 year old son can't wait. Actually, I think we did it when our girls were about that age. It was so much fun. And it's good to do Oh, it now because it's all possible yes.","start_word":12680,"end_word":12720,"sentiment":"positive","sentiment_score":0.5094835758209229},{"text":"Yes. diminishing. Yeah. Yes. I was very jealous.","start_word":12721,"end_word":12728,"sentiment":"neutral","sentiment_score":0.07183778285980225},{"text":"Oh, fantastic. Well, Lovely.","start_word":12729,"end_word":12732,"sentiment":"positive","sentiment_score":0.4593796730041504},{"text":"how was that, John?","start_word":12733,"end_word":12736,"sentiment":"neutral","sentiment_score":0.32558831572532654},{"text":"Thank you Awesome. so much. Appreciate you both taking my call. I hope you both have a lovely night.","start_word":12737,"end_word":12755,"sentiment":"positive","sentiment_score":0.6840834021568298},{"text":"If either of you have any questions, please don't ever hesitate to let me know. Okay.","start_word":12756,"end_word":12771,"sentiment":"neutral","sentiment_score":0.2365354150533676},{"text":"But thank you for the opportunity to put this together and taking my call Thank this evening.","start_word":12772,"end_word":12788,"sentiment":"positive","sentiment_score":0.5468205213546753},{"text":"you. No. I appreciate it.","start_word":12789,"end_word":12793,"sentiment":"neutral","sentiment_score":0.1800884306430817},{"text":"Thanks, Heath.","start_word":12794,"end_word":12795,"sentiment":"positive","sentiment_score":0.36190342903137207},{"text":"Anytime.","start_word":12796,"end_word":12796,"sentiment":"neutral","sentiment_score":0.2636307179927826},{"text":"Thanks, Cass.","start_word":12797,"end_word":12798,"sentiment":"positive","sentiment_score":0.4065341353416443},{"text":"Okay. See you, Thank Paul. you. Bye bye. Bye. Bye.","start_word":12799,"end_word":12808,"sentiment":"neutral","sentiment_score":0.1919010728597641}],"average":{"sentiment":"neutral","sentiment_score":0.10987849028587128}}}}