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No worries at all. And how's your day being so far? All good. I'll try to take up too much of your time. I can see here that you're driving at the moment. Is that right? Yep. That's okay. Not a problem. I did send you an email to you. This is some annual review documents for you to review there. What I'll do to make it easier on you, I'll go through everything that we need to up to all these circumstances, have a look at any new advice needs to be provided there, and then you're able to have a look at those a bit later when you've got time. How does that sound? Oh, fantastic. Yeah. That's okay. No worries at all. Before we jump into the call and I start going through all the details, I do have to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you just to confirm your full name, your date of birth, and address that I should have on file left for you. Yep. Lovely. Thank you so much for that. So just before I sort of jump into things, I is there anything that kinda came out question wise or anything particular you wanted to sort of touch on this time of the annual review? Or Mhmm. Mhmm. Yeah. Yeah. No. Understandable. Yeah. Absolutely. Well, I'll jump into that first step for you. So having a little bit a look back at your annual review last year, in April there, your balance was about 316,286 and 13¢ there. I'm looking at where things are as yeah. That's okay. You're absolutely fine. The balance as of yesterday's date, we had 317,618 and 55¢ there. So when I sort of have a look at the HUB24 before and sort of fund the portfolio as a whole, majority of your investments have performed really nicely. Obviously, this year, we have seen quite a lot of market volatility, which has had an effect on equity. So the markets have been very up and down. Sure. At the moment, we have 377,618. Yeah. No. Yeah. No. Yeah. 377 and 618. Yes. So sorry about that. That's okay. That's not a problem at all. So, essentially, when I look at things as a total, your portfolio after fees has made a 4.23% return. Look. In all honesty, it is a bit lower than where I would have expected for the portfolio to sort of performed within the range that you're at, but it is also because of what's happened this year. Obviously, the war between The US and Iran has had a bit of an effect on equities. The market has seen some very big highs and lows, especially around March and April this year, which is when the highs of all that was sort of happening. There was some really big sell offs from the market, and the biggest thing is the the biggest downturns are, of course, because people see things in the news. Investors get really nervous, and they start to sell their investments out. So that has caused a bit of up and down there. I have some tools that I utilize to sort of see what is expected over the course of the next month, and one of those is really cool. It's called the VIX index, and it sort of tracks what's happening with the S and P 500 and The US top 500 companies, and it sort of works upon where that is tracking and essentially what we expect to see volatility wise. When the VIX index is under 20%, we sort of hope and expect that markets are gonna be a little bit more stable. When the VIX index gets over 20%, then we start to expect very heavy volatility. The good news with that is that it hasn't been over that 20% mark since around about June. So around that the June 10 was the last time we saw it hit that 20% mark. Ever since then, it has been lower, under 20%. And at the moment, it's at one of the lowest points it has been for a while. So it is really good to see. It does show that things are evening out a little bit to the market, and it does kind of with what we're sort of seeing at the moment, most people are a bit over US and Iran war. It's sort of how it's affecting the market. We sort of stick about hearing it now. We just want everything to get back to normal, and so it's not really having as big of an effect as what we expect. But in saying that you are in a high growth portfolio, so I would, you know, to be expecting oh, what we're sort of aiming to try and get from a high growth environment is on a yearly basis around about eight to 10% of returns, and that's where you're sort of hoping to get every year. It doesn't always happen, and I know last year your returns were a little bit lower there as well. So it's the same one of those years a bit volatile, I think. We're probably seeing the most volatility in market history over the last four to six years with COVID happening and everything kind of happening after that. Prior to '20 '20, the market had a really good run of about ten years of fantastic returns, so we're definitely living in a very volatile environment. One of the things that is kinda coming out, and we get to talk to economists and things moving forward, they are sort of hinting at, you know, high inflation to stick around till at least the end of this year. Hopefully, you know, hopefully not, but they are kind of expecting a high inflationary pressure to stick around, and that can also have a bit of an effect, especially on the sensitive and back of life bonds. So we'll just sort of watch to see what's happening there. But I I know some people do prefer a dollar fee as opposed to a percentage. So to give you a bit of an idea, the earnings within your portfolio, the growth and the income, over the last twelve months has equated to $22,486.17. So whilst your return is lower than what I'd be expecting for the year, it is still has still been very good, and it has still added to what's been going on and has built your portfolio up quite nicely for the year. I definitely wanna kinda keep yeah. No. It's that's correct. Yeah. It's just focusing on the income and the growth that is generated out of the portfolio. So it is net of contributions, which is good because we wouldn't want that would essentially be mostly your contributions there with what your salary sacrificing plus you put again. So no. Completely understand. You're right. Yep. Yes. Oh, absolutely. Yes. Absolutely. Yep. Yep. Correct. Mhmm. Mhmm. Yes. Correct. Yep. Yep. Yeah. Yep. Yeah. And and to to make it important as well, it's not just you. It's every super fund out there. This year has been volatile for everyone. It's not something anyone can control as such. What I would like to maybe do is I would like to maybe go back and have a look at your portfolio because you have been in this portfolio since you came on board. And like you said, it has provided some great returns there. But every so often, it is really important to update your portfolio and maybe look at some investments that might not be tracking properly, maybe look at, you know, readjusting some investments to make sure it's underperforming, that you're in the best performing portfolio. Did you want me to go back and maybe have a look at those for you, maybe update the advice and make a recommendation? Yeah. Beautiful. Yeah. Absolutely. Yeah. Yep. Yep. Yeah. Not correct. Oh, absolutely. Yeah. Definitely. Well, to give you a little bit of an idea, sort of based on your age and stages where you're at, the average super balance for a female, I'm not kidding, is about a 158,331. So your super balance is well and truly higher than that. You're definitely saving the average. And, honestly, with with a little bit more market volatility, so long as we can sort of take advantage of things and get the portfolio working a bit harder for you, I would definitely expect you to hit that $400,000 mark by the end of you know, if not the end of this year, early next year. So in the next twelve months, you should be over that hump. In saying that if something happens, if you know, Trump goes over another country, there is the risk of some sort of downturn. But if that does happen yeah. Well, if that does happen, we'll get excited, and we'll keep investing, and we'll take advantage of that. So when the market comes back out, we'll have made some really great positive growth in that time frame. So yeah. But no. I completely understand where you're coming from. Yeah. Yeah. Yeah. Yes. Yes. Yes. Cool. Yeah. Mhmm. Yeah. Absolutely. No. Definitely. And that's exactly the way we want this to work and how we structure the portfolio to generally work. But because you have been on board since the I believe 2022, this is much of an older portfolio. And there definitely are other portfolios out there that are working harder and have seen greater levels of returns. So I'd love to go back. I had a look at everything individually. I can see some changes that we could definitely make, and I'd love to update that for you, give you a projection, to show you what we're expecting over the next sort of five to ten years and where we're sort of tracking, and then we'll keep track of it and see what's, you know, happening for you and make alterations as we get there. With the high growth environment, you said you're sort of happy to stay with that higher risk at the moment, seeking the volatility to take advantage of the market ups and downs. Are you still happy to yep. Yeah. Beautiful. So with this you're right. You're good. Mhmm. Yeah. Yep. Mhmm. Yep. Yep. Yep. No. That's perfect. Perfect. So just to kinda give you an outgo I don't know if anyone's kind of gone through it all, but just to give you a rundown on the high growth portfolio. So I know you probably heard that you've got a ninety ten split versus growth versus defensive investment, But this portfolio is generally we're trying to attain about a eight to 10% return. And because you are taking more risk in the market, the expected volatility could be plus or minus around that 14% either way. So it does mean that when the portfolio is working really well, the returns could be really high and doing very well, but the downturns can also be magnified. And like you said, you know, as you get closer to retirement, generally, when you kinda hit that 55 mark, if not just before, with that high growth environment, I try to, at about eight years, start to reduce the risk level back because the risk is higher, especially with a higher balance that as you kind of noted, you know, a smaller return has a much greater effect on the balance as it does increase through. So to be for '55 and seeing a 20% drop with a balance of, you know, 5 or 6 or $800,000 could have a much more significant effect on you than it could on someone who has only, say, 50 or 60 k in a super account. So it's definitely something when you kinda hit that eight year mark, I would love to start moving things back a little bit. So right now, high growth environment does realistically suit where you're at. We do expect the likelihood of a negative return kind of one in every five years, but we wanna take advantage of those downtimes and keep investing and building and buy into the discounted investment rates there as well. And with this sort of portfolio and environment, just as I say, compounding it forward and making sure it does continue to work and reevaluating the investments on a regular basis to make sure you stay in the curve, following the trends, and making sure we stay up to date with what's happening in the market as well. So this profile definitely suits where you're at at the moment. Uncomfortable for you to stay there. When you think about the risk level, if you were to say, look at it at a five, realistically, it's about a four out of five. So you know it's the highest. You still have some defensive assets, which is good for taking advantage and having some downside protection, but there is still a lot of risk involved there. So if you're comfortable in that environment, you're all good with that. Any questions that have come out of it? Yeah. Yep. Abs absolutely. Yeah. Yep. No. Absolutely. Yep. Beautiful. And that's $4.2.63 percent. As I said, it is also a net return. So it's after the fees are being taken into account. There's our ongoing service fee as well as any admin fees and things for the funds. So whilst it is definitely lower, it's still a positive return. We have seen actually when we were sort of looking at things around about March and April, there were a lot of other portfolios and other funds that that were returning negative returns. They had seen quite a very heavy drop. So in all honesty, to come out of this year and still have a positive return, it sort of means that before that market volatility hit, you're super well on track to kinda have a really good positive 10 or plus percent return, and that is down by that volatility we saw was what kind of pulled it back a little bit. Again, I can see some investments here that might be underperforming a little bit as well, and I do wanna reevaluate the entire portfolio for you, readjusting to make sure it's continuously building and working and compounding for you. Yeah. Perfect. All good. Do you have any other questions about the super, the investments, or anything I just kinda gone through for you? Yeah. Yeah. Absolutely. Yes. So with your life insurance there, the sum insured you're covered for for life and total permanent disability at the moment. You've got $1,248,806.04. In the event of a life and TDD, what is it that you're sort of wanting that to cover? What's your main goal with those insurances? Yep. Yes. Yes. Oh, perfect. Yep. Oh, I'm so sorry. Yeah. Yeah. Yep. Yep. It really doesn't, honestly. But we yep. Yep. Yep. Yep. Yes. Yep. That is correct. Yes. So your super benefit, currently, the $3.77, is also paid out to your beneficiaries as part of your life cover. And with your TBD, I mean, for the permanent disability, if you're still technically alive, you suffer some sort of permanent incapacity or permanent disability. And, again, you have that one point two million. And your super loans can be released under TBD as well. The only thing I do is I have to kind of bring up to make sure you're aware of because I don't know if anyone's mentioned this before, but essentially, TBD, if you do take it all as a lump sum, unfortunately, the ATO do get a payment. TBD is claimed that you're under the age of 60. It's actually taxed up to 22%. It's a it is. It is. It's horrible. I don't like it. I think it's the most silliest rule under the planet, but it is technically a tax. So it does mean the amount you are insured for is is not exactly the amount that you're expected to get. So having a higher amount of insured is better for you. What I would sort of say yeah. Your super balance is also technically in that as well. So if because we when you do TBD, your suit is also released under incapacity. That is added to the TBD benefit amount, and then the 22% taxes are taken. That is only taken on withdrawal, though. So as an adviser, if you did ever have to claim PPD, we would help you. The taxes up to 22%, and they have this weird math calculation based on the agency stage and the, you know, certain figure that they look at to work out the tax. But it's it's always only on withdrawal. So if you leave the money in super, it's not physically taxed, and we can do things and provide advice to help limit the tax and get uplifts and things like that as well. So we would always help you to make sure we limit that as much as possible. Yeah. Perfect. Yep. All good. Yep. Yeah. No. Just with your income protection, your monthly benefit, your income, I have you on about a 105,000 per annum. Is that slightly higher and or lower now? Okay. Yep. Yep. That's okay. Because with your income protection benefit to be covered for 70% of that income over the 103,000, you are slightly underinsured there at the moment. Hi, Amanda. I'm on hold. Hi. Can you hear me okay? I'm so sorry. I think that's, like no. You're honestly fine. Just with the income protection benefit, the monthly benefit you have at the moment is $6,006.81 pretax. It is a little bit underinsured from what you would need to be covered for based on 70% of that 103,000. But it also comes down to if you are not able to work, does anything extra you're pulling from investment properties or maybe your partner's work or your business or anything, does that kind of provide a buffer? Like, did you wanna look at maybe increasing the income protection to make sure you have that 70%? Or for your in for your income? Yeah. Yep. So income protection covers you for about 70% as the maximum there. So if we look to increase to to cover a 135,000, we'd be looking to cover you with a monthly benefit of $99,450 on a monthly basis, essentially. I can, yeah, I can absolutely do that. As part of the advice, I can look to increase that for you. I will just need to maybe get one of the team members to give you a call to run through a bit of a quick pre assessment in the next couple of days. Is there maybe an afternoon next week that I could get someone to give you a call and just run through that just to make sure there's no additional plans or anything that we need to flag that could be added or changed in the policy? Yeah. Yeah. No worries. I'll get someone to give you a file, probably, within Monday afternoon, if that's okay. Any certain time that kinda suits you better just so they're not cool. That's fine. That's all good. No worries. So my colleague, Samantha, is the one that give you a call on Monday afternoon. She'll just give you a buzz, see if you're available, run through a quick free assessment just so I can have a look to see if we increase the policy, what we might be expecting, because we add that into the advice so you understand what we're looking at, what the expectation is, what the possible cost might be, and if on the increase of the policy, there might be anything additional there. Okay? Excellent. The only other thing I just wanna double check for you there is just looking at your assets and liabilities. So just a quick run through to see if any I know you've got those two main those two new investment properties there. What kind of value would you put on each of those property? Half 1,000,000 each? Yep. Beautiful. And I've got your main primary residence down. Rough valuation last year of 1.2 so 12 yeah. 1,250,000 as in here. What sort of do you think valuation now? The same? Yep. Yep. Beautiful. Mortgage is down to about 620. Has it kind of reduced a little bit further there at the moment? Yeah. Beautiful. Excellent. You had about 25,000 cash in the bank as well. Do you still have that end or has that changed at all? That's the same beautiful. And you had some shares as well with a a valuation of about 30,000. Do you still have those shares? 70,000? Yep. Fantastic. And we also have the offset account noting about 50,000 in there. Do you still happen to have that? Yeah. And is it about the same or increased? Or about the same. Yep. Beautiful. Fantastic. The only other thing here is beneficiaries. I have it down that you wanted to keep us as your beneficiary for both your super and insurances. Is that still all current and correct? Yep. Beautiful. And I have it down here that you guys do have a will and have attorney all set up. Is that still current and reflecting your wishes? Yep. Beautiful. Excellent. And those investment properties that you do now have, I have it that you've been inherited the two. They are completely debt free. You don't have any loans with any of those? That's beautiful. And I can see that you're also building an investment property as well. Do you have a third or other investment property? Okay. No. Still to do. It's difficult. Yes. And with the changes in the legislation now happening, building is going to be interesting. I think the market's gonna be very oversaturated. Investors everywhere are gonna be building properties. Is there any other kind of goals moving forward that you might be looking to do over the next sort of one to two or even five years? Or yep. Yep. Yeah. Nice. Absolutely. Yeah. That's okay. Goal wise for retirement, did you want me to work on 60 just to make it easy, give you the option of retiring afterwards? Yep. Survival. Yep. Mhmm. Yeah. Yeah. Yeah. Yep. Yep. Yeah. Absolutely. And you're still teaching your school teacher at primary school take down? Yes. Beautiful. Yeah. Of course. I mean, teaching yourself part time still requires a lot of hours. So no. All good. And you mentioned you've got your business as well. You have a self employed as well? Okay. Yep. Beautiful. Not a problem at all. Lovely. Well, that is everything. In the annual review pack, when you do get a chance to run your eyes back over, I've got all those documents that we've gone through today. We've also got the ongoing service agreement there for you, same as the other years. We do charge the ongoing service fee. It is 1.65% per annum, and then deducting the smaller monthly increments out of your super. The advice, I'll go back and have a look at the super, all the investments, and make some recommendations there for you. Any advice I update is fully complimentary. We don't charge anything else. The advice around the super is all part of the ongoing service agreement there for you. But I'll come back. Yep. Research. Yep. Yeah. It's absolutely. Yeah. So it just takes a couple of weeks to put the advice together for me to research all the investments and have a look at what options we can do, and then the advice will go through together when I've got that ready. You'll see the document. You'll then get to take that away, have a read of it, look it over. It'll have the advantages, disadvantages, risks involved for you to consider, and then you get to decide whether you take the advice or not. Okay? Fantastic. That's okay. I I know you are busy. I thank you for your time. I will let you go now. Thank you so much for taking my call. No. You're all good, Samantha. It's easy. You have a good afternoon. Yes. Sorry. Yes. Yes. If you could, that'd be fantastic. Just whenever you got a chance. Yep. No. All good. You have a lovely afternoon. Thanks so much for taking my call. Talk to you soon. Appreciate it. 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Samantha. It's Dana from OCU Financial. How are you this afternoon? Very well. Thank you.\n\nI had to book in to go through your annual review today. Is now still a good time there for you? No worries at all. And how's your day being so far? All good.\n\nI'll try to take up too much of your time. I can see here that you're driving at the moment. Is that right? Yep. That's okay.\n\nNot a problem. I did send you an email to you. This is some annual review documents for you to review there. What I'll do to make it easier on you, I'll go through everything that we need to up to all these circumstances, have a look at any new advice needs to be provided there, and then you're able to have a look at those a bit later when you've got time. How does that sound?\n\nOh, fantastic. Yeah. That's okay. No worries at all. Before we jump into the call and I start going through all the details, I do have to let you know, moving forward, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that? Fantastic. And just to do a quick security check there with you just to confirm your full name, your date of birth, and address that I should have on file left for you. Yep. Lovely.\n\nThank you so much for that. So just before I sort of jump into things, I is there anything that kinda came out question wise or anything particular you wanted to sort of touch on this time of the annual review? Or Mhmm. Mhmm. Yeah.\n\nYeah. No. Understandable. Yeah. Absolutely.\n\nWell, I'll jump into that first step for you. So having a little bit a look back at your annual review last year, in April there, your balance was about 316,286 and 13¢ there. I'm looking at where things are as yeah. That's okay. You're absolutely fine.\n\nThe balance as of yesterday's date, we had 317,618 and 55¢ there. So when I sort of have a look at the HUB24 before and sort of fund the portfolio as a whole, majority of your investments have performed really nicely. Obviously, this year, we have seen quite a lot of market volatility, which has had an effect on equity. So the markets have been very up and down. Sure.\n\nAt the moment, we have 377,618. Yeah. No. Yeah. No.\n\nYeah. 377 and 618. Yes. So sorry about that. That's okay.\n\nThat's not a problem at all. So, essentially, when I look at things as a total, your portfolio after fees has made a 4.23% return. Look. In all honesty, it is a bit lower than where I would have expected for the portfolio to sort of performed within the range that you're at, but it is also because of what's happened this year. Obviously, the war between The US and Iran has had a bit of an effect on equities.\n\nThe market has seen some very big highs and lows, especially around March and April this year, which is when the highs of all that was sort of happening. There was some really big sell offs from the market, and the biggest thing is the the biggest downturns are, of course, because people see things in the news. Investors get really nervous, and they start to sell their investments out. So that has caused a bit of up and down there. I have some tools that I utilize to sort of see what is expected over the course of the next month, and one of those is really cool.\n\nIt's called the VIX index, and it sort of tracks what's happening with the S and P 500 and The US top 500 companies, and it sort of works upon where that is tracking and essentially what we expect to see volatility wise. When the VIX index is under 20%, we sort of hope and expect that markets are gonna be a little bit more stable. When the VIX index gets over 20%, then we start to expect very heavy volatility. The good news with that is that it hasn't been over that 20% mark since around about June. So around that the June 10 was the last time we saw it hit that 20% mark.\n\nEver since then, it has been lower, under 20%. And at the moment, it's at one of the lowest points it has been for a while. So it is really good to see. It does show that things are evening out a little bit to the market, and it does kind of with what we're sort of seeing at the moment, most people are a bit over US and Iran war. It's sort of how it's affecting the market.\n\nWe sort of stick about hearing it now. We just want everything to get back to normal, and so it's not really having as big of an effect as what we expect. But in saying that you are in a high growth portfolio, so I would, you know, to be expecting oh, what we're sort of aiming to try and get from a high growth environment is on a yearly basis around about eight to 10% of returns, and that's where you're sort of hoping to get every year. It doesn't always happen, and I know last year your returns were a little bit lower there as well. So it's the same one of those years a bit volatile, I think.\n\nWe're probably seeing the most volatility in market history over the last four to six years with COVID happening and everything kind of happening after that. Prior to '20 '20, the market had a really good run of about ten years of fantastic returns, so we're definitely living in a very volatile environment. One of the things that is kinda coming out, and we get to talk to economists and things moving forward, they are sort of hinting at, you know, high inflation to stick around till at least the end of this year. Hopefully, you know, hopefully not, but they are kind of expecting a high inflationary pressure to stick around, and that can also have a bit of an effect, especially on the sensitive and back of life bonds. So we'll just sort of watch to see what's happening there.\n\nBut I I know some people do prefer a dollar fee as opposed to a percentage. So to give you a bit of an idea, the earnings within your portfolio, the growth and the income, over the last twelve months has equated to $22,486.17. So whilst your return is lower than what I'd be expecting for the year, it is still has still been very good, and it has still added to what's been going on and has built your portfolio up quite nicely for the year. I definitely wanna kinda keep yeah. No.\n\nIt's that's correct. Yeah. It's just focusing on the income and the growth that is generated out of the portfolio. So it is net of contributions, which is good because we wouldn't want that would essentially be mostly your contributions there with what your salary sacrificing plus you put again. So no.\n\nCompletely understand. You're right. Yep. Yes. Oh, absolutely.\n\nYes. Absolutely. Yep. Yep. Correct.\n\nMhmm. Mhmm. Yes. Correct. Yep.\n\nYep. Yeah. Yep. Yeah. And and to to make it important as well, it's not just you.\n\nIt's every super fund out there. This year has been volatile for everyone. It's not something anyone can control as such. What I would like to maybe do is I would like to maybe go back and have a look at your portfolio because you have been in this portfolio since you came on board. And like you said, it has provided some great returns there.\n\nBut every so often, it is really important to update your portfolio and maybe look at some investments that might not be tracking properly, maybe look at, you know, readjusting some investments to make sure it's underperforming, that you're in the best performing portfolio. Did you want me to go back and maybe have a look at those for you, maybe update the advice and make a recommendation? Yeah. Beautiful. Yeah.\n\nAbsolutely. Yeah. Yep. Yep. Yeah.\n\nNot correct. Oh, absolutely. Yeah. Definitely. Well, to give you a little bit of an idea, sort of based on your age and stages where you're at, the average super balance for a female, I'm not kidding, is about a 158,331.\n\nSo your super balance is well and truly higher than that. You're definitely saving the average. And, honestly, with with a little bit more market volatility, so long as we can sort of take advantage of things and get the portfolio working a bit harder for you, I would definitely expect you to hit that $400,000 mark by the end of you know, if not the end of this year, early next year. So in the next twelve months, you should be over that hump. In saying that if something happens, if you know, Trump goes over another country, there is the risk of some sort of downturn.\n\nBut if that does happen yeah. Well, if that does happen, we'll get excited, and we'll keep investing, and we'll take advantage of that. So when the market comes back out, we'll have made some really great positive growth in that time frame. So yeah. But no.\n\nI completely understand where you're coming from. Yeah. Yeah. Yeah. Yes.\n\nYes. Yes. Cool. Yeah. Mhmm.\n\nYeah. Absolutely. No. Definitely. And that's exactly the way we want this to work and how we structure the portfolio to generally work.\n\nBut because you have been on board since the I believe 2022, this is much of an older portfolio. And there definitely are other portfolios out there that are working harder and have seen greater levels of returns. So I'd love to go back. I had a look at everything individually. I can see some changes that we could definitely make, and I'd love to update that for you, give you a projection, to show you what we're expecting over the next sort of five to ten years and where we're sort of tracking, and then we'll keep track of it and see what's, you know, happening for you and make alterations as we get there.\n\nWith the high growth environment, you said you're sort of happy to stay with that higher risk at the moment, seeking the volatility to take advantage of the market ups and downs. Are you still happy to yep. Yeah. Beautiful. So with this you're right.\n\nYou're good. Mhmm. Yeah. Yep. Mhmm.\n\nYep. Yep. Yep. No. That's perfect.\n\nPerfect. So just to kinda give you an outgo I don't know if anyone's kind of gone through it all, but just to give you a rundown on the high growth portfolio. So I know you probably heard that you've got a ninety ten split versus growth versus defensive investment, But this portfolio is generally we're trying to attain about a eight to 10% return. And because you are taking more risk in the market, the expected volatility could be plus or minus around that 14% either way. So it does mean that when the portfolio is working really well, the returns could be really high and doing very well, but the downturns can also be magnified.\n\nAnd like you said, you know, as you get closer to retirement, generally, when you kinda hit that 55 mark, if not just before, with that high growth environment, I try to, at about eight years, start to reduce the risk level back because the risk is higher, especially with a higher balance that as you kind of noted, you know, a smaller return has a much greater effect on the balance as it does increase through. So to be for '55 and seeing a 20% drop with a balance of, you know, 5 or 6 or $800,000 could have a much more significant effect on you than it could on someone who has only, say, 50 or 60 k in a super account. So it's definitely something when you kinda hit that eight year mark, I would love to start moving things back a little bit. So right now, high growth environment does realistically suit where you're at. We do expect the likelihood of a negative return kind of one in every five years, but we wanna take advantage of those downtimes and keep investing and building and buy into the discounted investment rates there as well.\n\nAnd with this sort of portfolio and environment, just as I say, compounding it forward and making sure it does continue to work and reevaluating the investments on a regular basis to make sure you stay in the curve, following the trends, and making sure we stay up to date with what's happening in the market as well. So this profile definitely suits where you're at at the moment. Uncomfortable for you to stay there. When you think about the risk level, if you were to say, look at it at a five, realistically, it's about a four out of five. So you know it's the highest.\n\nYou still have some defensive assets, which is good for taking advantage and having some downside protection, but there is still a lot of risk involved there. So if you're comfortable in that environment, you're all good with that. Any questions that have come out of it? Yeah. Yep.\n\nAbs absolutely. Yeah. Yep. No. Absolutely.\n\nYep. Beautiful. And that's $4.2.63 percent. As I said, it is also a net return. So it's after the fees are being taken into account.\n\nThere's our ongoing service fee as well as any admin fees and things for the funds. So whilst it is definitely lower, it's still a positive return. We have seen actually when we were sort of looking at things around about March and April, there were a lot of other portfolios and other funds that that were returning negative returns. They had seen quite a very heavy drop. So in all honesty, to come out of this year and still have a positive return, it sort of means that before that market volatility hit, you're super well on track to kinda have a really good positive 10 or plus percent return, and that is down by that volatility we saw was what kind of pulled it back a little bit.\n\nAgain, I can see some investments here that might be underperforming a little bit as well, and I do wanna reevaluate the entire portfolio for you, readjusting to make sure it's continuously building and working and compounding for you. Yeah. Perfect. All good. Do you have any other questions about the super, the investments, or anything I just kinda gone through for you?\n\nYeah. Yeah. Absolutely. Yes. So with your life insurance there, the sum insured you're covered for for life and total permanent disability at the moment.\n\nYou've got $1,248,806.04. In the event of a life and TDD, what is it that you're sort of wanting that to cover? What's your main goal with those insurances? Yep. Yes.\n\nYes. Oh, perfect. Yep. Oh, I'm so sorry. Yeah.\n\nYeah. Yep. Yep. It really doesn't, honestly. But we yep.\n\nYep. Yep. Yep. Yes. Yep.\n\nThat is correct. Yes. So your super benefit, currently, the $3.77, is also paid out to your beneficiaries as part of your life cover. And with your TBD, I mean, for the permanent disability, if you're still technically alive, you suffer some sort of permanent incapacity or permanent disability. And, again, you have that one point two million.\n\nAnd your super loans can be released under TBD as well. The only thing I do is I have to kind of bring up to make sure you're aware of because I don't know if anyone's mentioned this before, but essentially, TBD, if you do take it all as a lump sum, unfortunately, the ATO do get a payment. TBD is claimed that you're under the age of 60. It's actually taxed up to 22%. It's a it is.\n\nIt is. It's horrible. I don't like it. I think it's the most silliest rule under the planet, but it is technically a tax. So it does mean the amount you are insured for is is not exactly the amount that you're expected to get.\n\nSo having a higher amount of insured is better for you. What I would sort of say yeah. Your super balance is also technically in that as well. So if because we when you do TBD, your suit is also released under incapacity. That is added to the TBD benefit amount, and then the 22% taxes are taken.\n\nThat is only taken on withdrawal, though. So as an adviser, if you did ever have to claim PPD, we would help you. The taxes up to 22%, and they have this weird math calculation based on the agency stage and the, you know, certain figure that they look at to work out the tax. But it's it's always only on withdrawal. So if you leave the money in super, it's not physically taxed, and we can do things and provide advice to help limit the tax and get uplifts and things like that as well.\n\nSo we would always help you to make sure we limit that as much as possible. Yeah. Perfect. Yep. All good.\n\nYep. Yeah. No. Just with your income protection, your monthly benefit, your income, I have you on about a 105,000 per annum. Is that slightly higher and or lower now?\n\nOkay. Yep. Yep. That's okay. Because with your income protection benefit to be covered for 70% of that income over the 103,000, you are slightly underinsured there at the moment.\n\nHi, Amanda. I'm on hold. Hi. Can you hear me okay? I'm so sorry.\n\nI think that's, like no. You're honestly fine. Just with the income protection benefit, the monthly benefit you have at the moment is $6,006.81 pretax. It is a little bit underinsured from what you would need to be covered for based on 70% of that 103,000. But it also comes down to if you are not able to work, does anything extra you're pulling from investment properties or maybe your partner's work or your business or anything, does that kind of provide a buffer?\n\nLike, did you wanna look at maybe increasing the income protection to make sure you have that 70%? Or for your in for your income? Yeah. Yep. So income protection covers you for about 70% as the maximum there.\n\nSo if we look to increase to to cover a 135,000, we'd be looking to cover you with a monthly benefit of $99,450 on a monthly basis, essentially. I can, yeah, I can absolutely do that. As part of the advice, I can look to increase that for you. I will just need to maybe get one of the team members to give you a call to run through a bit of a quick pre assessment in the next couple of days. Is there maybe an afternoon next week that I could get someone to give you a call and just run through that just to make sure there's no additional plans or anything that we need to flag that could be added or changed in the policy?\n\nYeah. Yeah. No worries. I'll get someone to give you a file, probably, within Monday afternoon, if that's okay. Any certain time that kinda suits you better just so they're not cool.\n\nThat's fine. That's all good. No worries. So my colleague, Samantha, is the one that give you a call on Monday afternoon. She'll just give you a buzz, see if you're available, run through a quick free assessment just so I can have a look to see if we increase the policy, what we might be expecting, because we add that into the advice so you understand what we're looking at, what the expectation is, what the possible cost might be, and if on the increase of the policy, there might be anything additional there.\n\nOkay? Excellent. The only other thing I just wanna double check for you there is just looking at your assets and liabilities. So just a quick run through to see if any I know you've got those two main those two new investment properties there. What kind of value would you put on each of those property?\n\nHalf 1,000,000 each? Yep. Beautiful. And I've got your main primary residence down. Rough valuation last year of 1.2 so 12 yeah.\n\n1,250,000 as in here. What sort of do you think valuation now? The same? Yep. Yep.\n\nBeautiful. Mortgage is down to about 620. Has it kind of reduced a little bit further there at the moment? Yeah. Beautiful.\n\nExcellent. You had about 25,000 cash in the bank as well. Do you still have that end or has that changed at all? That's the same beautiful. And you had some shares as well with a a valuation of about 30,000.\n\nDo you still have those shares? 70,000? Yep. Fantastic. And we also have the offset account noting about 50,000 in there.\n\nDo you still happen to have that? Yeah. And is it about the same or increased? Or about the same. Yep.\n\nBeautiful. Fantastic. The only other thing here is beneficiaries. I have it down that you wanted to keep us as your beneficiary for both your super and insurances. Is that still all current and correct?\n\nYep. Beautiful. And I have it down here that you guys do have a will and have attorney all set up. Is that still current and reflecting your wishes? Yep.\n\nBeautiful. Excellent. And those investment properties that you do now have, I have it that you've been inherited the two. They are completely debt free. You don't have any loans with any of those?\n\nThat's beautiful. And I can see that you're also building an investment property as well. Do you have a third or other investment property? Okay. No.\n\nStill to do. It's difficult. Yes. And with the changes in the legislation now happening, building is going to be interesting. I think the market's gonna be very oversaturated.\n\nInvestors everywhere are gonna be building properties. Is there any other kind of goals moving forward that you might be looking to do over the next sort of one to two or even five years? Or yep. Yep. Yeah.\n\nNice. Absolutely. Yeah. That's okay. Goal wise for retirement, did you want me to work on 60 just to make it easy, give you the option of retiring afterwards?\n\nYep. Survival. Yep. Mhmm. Yeah.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nAbsolutely. And you're still teaching your school teacher at primary school take down? Yes. Beautiful. Yeah.\n\nOf course. I mean, teaching yourself part time still requires a lot of hours. So no. All good. And you mentioned you've got your business as well.\n\nYou have a self employed as well? Okay. Yep. Beautiful. Not a problem at all.\n\nLovely. Well, that is everything. In the annual review pack, when you do get a chance to run your eyes back over, I've got all those documents that we've gone through today. We've also got the ongoing service agreement there for you, same as the other years. We do charge the ongoing service fee.\n\nIt is 1.65% per annum, and then deducting the smaller monthly increments out of your super. The advice, I'll go back and have a look at the super, all the investments, and make some recommendations there for you. Any advice I update is fully complimentary. We don't charge anything else. The advice around the super is all part of the ongoing service agreement there for you.\n\nBut I'll come back. Yep. Research. Yep. Yeah.\n\nIt's absolutely. Yeah. So it just takes a couple of weeks to put the advice together for me to research all the investments and have a look at what options we can do, and then the advice will go through together when I've got that ready. You'll see the document. You'll then get to take that away, have a read of it, look it over.\n\nIt'll have the advantages, disadvantages, risks involved for you to consider, and then you get to decide whether you take the advice or not. Okay? Fantastic. That's okay. I I know you are busy.\n\nI thank you for your time. I will let you go now. Thank you so much for taking my call. No. You're all good, Samantha.\n\nIt's easy. You have a good afternoon. Yes. Sorry. Yes.\n\nYes. If you could, that'd be fantastic. Just whenever you got a chance. Yep. No.\n\nAll good. You have a lovely afternoon. Thanks so much for taking my call. Talk to you soon. Appreciate it.\n\nThanks, Samantha.","paragraphs":[{"sentences":[{"text":"Hi, Samantha.","start":1.52,"end":2.32,"sentiment":"neutral","sentiment_score":0.14067590981721878},{"text":"It's Dana from OCU Financial.","start":2.32,"end":4.02,"sentiment":"neutral","sentiment_score":0.19382146298885344},{"text":"How are you this afternoon?","start":4.08,"end":5.22,"sentiment":"neutral","sentiment_score":0.2640992432832718},{"text":"Very well.","start":7.9199996,"end":8.48,"sentiment":"positive","sentiment_score":0.5165998041629791},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.6137967109680176}],"sentiment":"neutral","sentiment_score":0.3019842738285661,"num_words":16,"start":1.52,"end":8.96},{"sentences":[{"text":"I had to book in to go through your annual review today.","start":8.96,"end":11.2,"sentiment":"neutral","sentiment_score":0.23267624403039613},{"text":"Is now still a good time there for you?","start":11.2,"end":13.299999,"sentiment":"neutral","sentiment_score":0.23909631868203482},{"text":"No worries at all.","start":15.695,"end":16.815,"sentiment":"neutral","sentiment_score":0.1724629569798708},{"text":"And how's your day being so far?","start":16.815,"end":18.675,"sentiment":"neutral","sentiment_score":0.20053156358855112},{"text":"All good.","start":22.654999,"end":23.295,"sentiment":"neutral","sentiment_score":0.2831912636756897}],"sentiment":"neutral","sentiment_score":0.22364520873217023,"num_words":34,"start":8.96,"end":23.295},{"sentences":[{"text":"I'll try to take up too much of your time.","start":23.295,"end":24.974998,"sentiment":"neutral","sentiment_score":-0.12493748469278217},{"text":"I can see here that you're driving at the moment.","start":24.974998,"end":26.895,"sentiment":"neutral","sentiment_score":0.005471645365469157},{"text":"Is that right?","start":26.895,"end":27.795,"sentiment":"neutral","sentiment_score":0.040098126977682114},{"text":"Yep.","start":29.210001,"end":29.45,"sentiment":"neutral","sentiment_score":0.0677797943353653},{"text":"That's okay.","start":29.45,"end":30.01,"sentiment":"neutral","sentiment_score":0.14304274320602417}],"sentiment":"neutral","sentiment_score":-0.02771148967664116,"num_words":26,"start":23.295,"end":30.01},{"sentences":[{"text":"Not a problem.","start":30.01,"end":30.65,"sentiment":"neutral","sentiment_score":0.1783373753229777},{"text":"I did send you an email to you.","start":30.65,"end":32.09,"sentiment":"neutral","sentiment_score":0.16040503419935703},{"text":"This is some annual review documents for you to review there.","start":32.09,"end":34.99,"sentiment":"neutral","sentiment_score":0.12158709358085286},{"text":"What I'll do to make it easier on you, I'll go through everything that we need to up to all these circumstances, have a look at any new advice needs to be provided there, and then you're able to have a look at those a bit later when you've got time.","start":35.21,"end":47.235,"sentiment":"neutral","sentiment_score":0.1515985927453228},{"text":"How does that sound?","start":47.235,"end":48.295002,"sentiment":"neutral","sentiment_score":0.08566973730921745}],"sentiment":"neutral","sentiment_score":0.14584308582079875,"num_words":77,"start":30.01,"end":48.295002},{"sentences":[{"text":"Oh, fantastic.","start":52.835,"end":53.575,"sentiment":"neutral","sentiment_score":0.23381760716438293},{"text":"Yeah.","start":59.17,"end":59.65,"sentiment":"neutral","sentiment_score":-0.031071996316313744},{"text":"That's okay.","start":59.65,"end":60.55,"sentiment":"neutral","sentiment_score":-0.17394941300153732},{"text":"No worries at all.","start":61.65,"end":63.11,"sentiment":"neutral","sentiment_score":-0.016881274990737438},{"text":"Before we jump into the call and I start going through all the details, I do have to let you know, moving forward, we do record our calls for quality and training purposes.","start":63.329998,"end":69.89,"sentiment":"neutral","sentiment_score":0.02857433586861148}],"sentiment":"neutral","sentiment_score":0.02295458037406206,"num_words":42,"start":52.835,"end":69.89},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":69.89,"end":74.045006,"sentiment":"neutral","sentiment_score":0.09332772882448302},{"text":"Fantastic.","start":74.045006,"end":74.545006,"sentiment":"positive","sentiment_score":0.39858537912368774},{"text":"And just to do a quick security check there with you just to confirm your full name, your date of birth, and address that I should have on file left for you.","start":74.925,"end":81.345,"sentiment":"neutral","sentiment_score":0.1682341555133462},{"text":"Yep.","start":82.62,"end":83.12,"sentiment":"neutral","sentiment_score":0.03397367522120476},{"text":"Lovely.","start":91.26,"end":91.76,"sentiment":"positive","sentiment_score":0.4361700117588043}],"sentiment":"neutral","sentiment_score":0.16118571822616187,"num_words":44,"start":69.89,"end":91.76},{"sentences":[{"text":"Thank you so much for that.","start":91.9,"end":93.520004,"sentiment":"positive","sentiment_score":0.5604173342386881},{"text":"So just before I sort of jump into things, I is there anything that kinda came out question wise or anything particular you wanted to sort of touch on this time of the annual review?","start":93.9,"end":102.235,"sentiment":"neutral","sentiment_score":0.06383522089038576},{"text":"Or Mhmm.","start":102.295,"end":114.31,"sentiment":"neutral","sentiment_score":-0.0362059585750103},{"text":"Mhmm.","start":122.865,"end":123.365,"sentiment":"neutral","sentiment_score":0.007329737767577171},{"text":"Yeah.","start":129.2625,"end":129.7625,"sentiment":"neutral","sentiment_score":0.07946762442588806}],"sentiment":"neutral","sentiment_score":0.12469160403642389,"num_words":45,"start":91.9,"end":129.7625},{"sentences":[{"text":"Yeah.","start":142.62001,"end":143.12001,"sentiment":"neutral","sentiment_score":-0.018368586897850037},{"text":"No.","start":143.26001,"end":143.76001,"sentiment":"neutral","sentiment_score":-0.1077038124203682},{"text":"Understandable.","start":144.06,"end":144.56,"sentiment":"neutral","sentiment_score":-0.07430713623762131},{"text":"Yeah.","start":145.34,"end":145.74,"sentiment":"neutral","sentiment_score":0.1156698688864708},{"text":"Absolutely.","start":145.74,"end":146.24,"sentiment":"neutral","sentiment_score":0.19975176453590393}],"sentiment":"neutral","sentiment_score":0.023008419573307036,"num_words":5,"start":142.62001,"end":146.24},{"sentences":[{"text":"Well, I'll jump into that first step for you.","start":146.38,"end":148.38,"sentiment":"neutral","sentiment_score":0.15333575258652368},{"text":"So having a little bit a look back at your annual review last year, in April there, your balance was about 316,286 and 13¢ there.","start":148.38,"end":158.325,"sentiment":"neutral","sentiment_score":0.02722153381910175},{"text":"I'm looking at where things are as yeah.","start":158.465,"end":162.70001,"sentiment":"neutral","sentiment_score":-0.053697031107731164},{"text":"That's okay.","start":162.70001,"end":163.34001,"sentiment":"neutral","sentiment_score":0.24332769215106964},{"text":"You're absolutely fine.","start":163.34001,"end":164.96,"sentiment":"positive","sentiment_score":0.4504001239935557}],"sentiment":"neutral","sentiment_score":0.0748177846164807,"num_words":47,"start":146.38,"end":164.96},{"sentences":[{"text":"The balance as of yesterday's date, we had 317,618 and 55¢ there.","start":165.66,"end":172.46,"sentiment":"neutral","sentiment_score":0.2042555727741935},{"text":"So when I sort of have a look at the HUB24 before and sort of fund the portfolio as a whole, majority of your investments have performed really nicely.","start":172.46,"end":181.935,"sentiment":"neutral","sentiment_score":0.2270615922993627},{"text":"Obviously, this year, we have seen quite a lot of market volatility, which has had an effect on equity.","start":182.315,"end":187.535,"sentiment":"neutral","sentiment_score":-0.02952266582532933},{"text":"So the markets have been very up and down.","start":188.235,"end":190.655,"sentiment":"neutral","sentiment_score":-0.046534285984105535},{"text":"Sure.","start":190.955,"end":191.455,"sentiment":"neutral","sentiment_score":-0.0007965471595525742}],"sentiment":"neutral","sentiment_score":0.11378350297825923,"num_words":70,"start":165.66,"end":191.455},{"sentences":[{"text":"At the moment, we have 377,618.","start":194.28,"end":198.70001,"sentiment":"neutral","sentiment_score":0.003860273864120245},{"text":"Yeah.","start":201.08002,"end":201.58002,"sentiment":"neutral","sentiment_score":-0.039482854306697845},{"text":"No.","start":203.96,"end":204.46,"sentiment":"neutral","sentiment_score":-0.15015091001987457},{"text":"Yeah.","start":206.52,"end":207.0,"sentiment":"neutral","sentiment_score":-0.03353463113307953},{"text":"No.","start":207.0,"end":207.5,"sentiment":"neutral","sentiment_score":-0.1444208025932312}],"sentiment":"neutral","sentiment_score":-0.03444275548681617,"num_words":10,"start":194.28,"end":207.5},{"sentences":[{"text":"Yeah.","start":218.17499,"end":218.655,"sentiment":"neutral","sentiment_score":0.12783439457416534},{"text":"377 and 618.","start":218.655,"end":220.815,"sentiment":"neutral","sentiment_score":0.00403773117189606},{"text":"Yes.","start":220.815,"end":221.135,"sentiment":"neutral","sentiment_score":0.03702546656131744},{"text":"So sorry about that.","start":221.135,"end":222.515,"sentiment":"neutral","sentiment_score":-0.04277703817933798},{"text":"That's okay.","start":229.03,"end":229.83,"sentiment":"neutral","sentiment_score":0.1898197904229164}],"sentiment":"neutral","sentiment_score":0.03504586207087745,"num_words":11,"start":218.17499,"end":229.83},{"sentences":[{"text":"That's not a problem at all.","start":229.83,"end":231.69,"sentiment":"positive","sentiment_score":0.35724593202273053},{"text":"So, essentially, when I look at things as a total, your portfolio after fees has made a 4.23% return.","start":232.23,"end":239.705,"sentiment":"neutral","sentiment_score":0.1984460212682423},{"text":"Look.","start":239.925,"end":240.245,"sentiment":"neutral","sentiment_score":0.08121205866336823},{"text":"In all honesty, it is a bit lower than where I would have expected for the portfolio to sort of performed within the range that you're at, but it is also because of what's happened this year.","start":240.245,"end":250.79001,"sentiment":"neutral","sentiment_score":-0.08461774684287407},{"text":"Obviously, the war between The US and Iran has had a bit of an effect on equities.","start":250.79001,"end":255.29001,"sentiment":"neutral","sentiment_score":-0.31334154307842255}],"sentiment":"neutral","sentiment_score":-0.03078126013278961,"num_words":80,"start":229.83,"end":255.29001},{"sentences":[{"text":"The market has seen some very big highs and lows, especially around March and April this year, which is when the highs of all that was sort of happening.","start":255.83,"end":262.97,"sentiment":"neutral","sentiment_score":-0.2288946807384491},{"text":"There was some really big sell offs from the market, and the biggest thing is the the biggest downturns are, of course, because people see things in the news.","start":263.44498,"end":271.145,"sentiment":"neutral","sentiment_score":-0.30820846891608733},{"text":"Investors get really nervous, and they start to sell their investments out.","start":271.205,"end":275.04498,"sentiment":"negative","sentiment_score":-0.45134759694337845},{"text":"So that has caused a bit of up and down there.","start":275.04498,"end":278.185,"sentiment":"neutral","sentiment_score":-0.3102680458263917},{"text":"I have some tools that I utilize to sort of see what is expected over the course of the next month, and one of those is really cool.","start":278.78,"end":285.66,"sentiment":"neutral","sentiment_score":0.21900180913507938}],"sentiment":"neutral","sentiment_score":-0.16764275551935948,"num_words":109,"start":255.83,"end":285.66},{"sentences":[{"text":"It's called the VIX index, and it sort of tracks what's happening with the S and P 500 and The US top 500 companies, and it sort of works upon where that is tracking and essentially what we expect to see volatility wise.","start":285.66,"end":300.695,"sentiment":"neutral","sentiment_score":0.14197909658731417},{"text":"When the VIX index is under 20%, we sort of hope and expect that markets are gonna be a little bit more stable.","start":301.075,"end":307.575,"sentiment":"neutral","sentiment_score":0.05989760306218396},{"text":"When the VIX index gets over 20%, then we start to expect very heavy volatility.","start":308.09,"end":313.47,"sentiment":"neutral","sentiment_score":-0.1008492112159729},{"text":"The good news with that is that it hasn't been over that 20% mark since around about June.","start":314.09,"end":321.275,"sentiment":"neutral","sentiment_score":0.13586459474431145},{"text":"So around that the June 10 was the last time we saw it hit that 20% mark.","start":321.415,"end":325.575,"sentiment":"neutral","sentiment_score":-0.0023214586955659523}],"sentiment":"neutral","sentiment_score":0.07220780830188044,"num_words":116,"start":285.66,"end":325.575},{"sentences":[{"text":"Ever since then, it has been lower, under 20%.","start":325.575,"end":328.695,"sentiment":"neutral","sentiment_score":-0.21621917519304487},{"text":"And at the moment, it's at one of the lowest points it has been for a while.","start":328.695,"end":332.615,"sentiment":"neutral","sentiment_score":-0.2004119692479863},{"text":"So it is really good to see.","start":332.615,"end":334.63998,"sentiment":"neutral","sentiment_score":0.3240837088919112},{"text":"It does show that things are evening out a little bit to the market, and it does kind of with what we're sort of seeing at the moment, most people are a bit over US and Iran war.","start":334.63998,"end":344.24,"sentiment":"neutral","sentiment_score":0.0213400528423096},{"text":"It's sort of how it's affecting the market.","start":344.24,"end":346.24,"sentiment":"neutral","sentiment_score":-0.1344385128468275}],"sentiment":"neutral","sentiment_score":-0.04239210362628668,"num_words":79,"start":325.575,"end":346.24},{"sentences":[{"text":"We sort of stick about hearing it now.","start":346.24,"end":347.91998,"sentiment":"neutral","sentiment_score":-0.03954065125435591},{"text":"We just want everything to get back to normal, and so it's not really having as big of an effect as what we expect.","start":347.91998,"end":354.635,"sentiment":"neutral","sentiment_score":-0.03168144884208838},{"text":"But in saying that you are in a high growth portfolio, so I would, you know, to be expecting oh, what we're sort of aiming to try and get from a high growth environment is on a yearly basis around about eight to 10% of returns, and that's where you're sort of hoping to get every year.","start":355.255,"end":370.79,"sentiment":"neutral","sentiment_score":0.24869159295370705},{"text":"It doesn't always happen, and I know last year your returns were a little bit lower there as well.","start":370.85,"end":375.97,"sentiment":"neutral","sentiment_score":-0.2318239588486521},{"text":"So it's the same one of those years a bit volatile, I think.","start":375.97,"end":380.155,"sentiment":"neutral","sentiment_score":-0.2477270387686216}],"sentiment":"neutral","sentiment_score":0.045236645404957546,"num_words":121,"start":346.24,"end":380.155},{"sentences":[{"text":"We're probably seeing the most volatility in market history over the last four to six years with COVID happening and everything kind of happening after that.","start":380.155,"end":389.695,"sentiment":"neutral","sentiment_score":-0.26980622571248275},{"text":"Prior to '20 '20, the market had a really good run of about ten years of fantastic returns, so we're definitely living in a very volatile environment.","start":390.0,"end":398.42,"sentiment":"neutral","sentiment_score":0.19215053651067945},{"text":"One of the things that is kinda coming out, and we get to talk to economists and things moving forward, they are sort of hinting at, you know, high inflation to stick around till at least the end of this year.","start":399.28,"end":409.995,"sentiment":"neutral","sentiment_score":-0.021916815147894186},{"text":"Hopefully, you know, hopefully not, but they are kind of expecting a high inflationary pressure to stick around, and that can also have a bit of an effect, especially on the sensitive and back of life bonds.","start":410.13498,"end":419.675,"sentiment":"neutral","sentiment_score":-0.13834075700189616},{"text":"So we'll just sort of watch to see what's happening there.","start":420.57,"end":423.23,"sentiment":"neutral","sentiment_score":-0.003810480237007141}],"sentiment":"neutral","sentiment_score":-0.055535282362514815,"num_words":142,"start":380.155,"end":423.23},{"sentences":[{"text":"But I I know some people do prefer a dollar fee as opposed to a percentage.","start":424.01,"end":428.59,"sentiment":"neutral","sentiment_score":0.1455402784049511},{"text":"So to give you a bit of an idea, the earnings within your portfolio, the growth and the income, over the last twelve months has equated to $22,486.17.","start":428.89,"end":440.825,"sentiment":"neutral","sentiment_score":0.26254287964132217},{"text":"So whilst your return is lower than what I'd be expecting for the year, it is still has still been very good, and it has still added to what's been going on and has built your portfolio up quite nicely for the year.","start":440.825,"end":453.25,"sentiment":"positive","sentiment_score":0.6431737867898719},{"text":"I definitely wanna kinda keep yeah.","start":453.62997,"end":456.21,"sentiment":"neutral","sentiment_score":0.03221260104328394},{"text":"No.","start":457.78998,"end":458.28998,"sentiment":"neutral","sentiment_score":-0.030985334888100624}],"sentiment":"positive","sentiment_score":0.39892136369970566,"num_words":94,"start":424.01,"end":458.28998},{"sentences":[{"text":"It's that's correct.","start":458.90997,"end":459.94998,"sentiment":"neutral","sentiment_score":0.06460567067066829},{"text":"Yeah.","start":459.94998,"end":460.19,"sentiment":"neutral","sentiment_score":0.08823013305664062},{"text":"It's just focusing on the income and the growth that is generated out of the portfolio.","start":460.19,"end":464.44998,"sentiment":"neutral","sentiment_score":0.19413781072944403},{"text":"So it is net of contributions, which is good because we wouldn't want that would essentially be mostly your contributions there with what your salary sacrificing plus you put again.","start":465.03497,"end":473.19498,"sentiment":"neutral","sentiment_score":0.059030809563895066},{"text":"So no.","start":473.19498,"end":474.155,"sentiment":"neutral","sentiment_score":-0.06956299766898155}],"sentiment":"neutral","sentiment_score":0.0965394309292046,"num_words":52,"start":458.90997,"end":474.155},{"sentences":[{"text":"Completely understand.","start":474.155,"end":475.375,"sentiment":"neutral","sentiment_score":-0.021283959969878197},{"text":"You're right.","start":476.715,"end":477.455,"sentiment":"neutral","sentiment_score":-0.03734530135989189},{"text":"Yep.","start":489.68,"end":490.18,"sentiment":"neutral","sentiment_score":-0.032077766954898834},{"text":"Yes.","start":494.23502,"end":494.73502,"sentiment":"neutral","sentiment_score":0.04285940155386925},{"text":"Oh, absolutely.","start":505.67502,"end":506.815,"sentiment":"neutral","sentiment_score":0.025717422366142273}],"sentiment":"neutral","sentiment_score":-0.006880255416035652,"num_words":8,"start":474.155,"end":506.815},{"sentences":[{"text":"Yes.","start":509.59998,"end":509.91998,"sentiment":"neutral","sentiment_score":0.0336761437356472},{"text":"Absolutely.","start":509.91998,"end":510.41998,"sentiment":"neutral","sentiment_score":0.03198625519871712},{"text":"Yep.","start":511.36,"end":511.84,"sentiment":"neutral","sentiment_score":0.017030633985996246},{"text":"Yep.","start":511.84,"end":512.32,"sentiment":"neutral","sentiment_score":0.019331082701683044},{"text":"Correct.","start":512.32,"end":512.82,"sentiment":"neutral","sentiment_score":0.04698654264211655}],"sentiment":"neutral","sentiment_score":0.02980213165283203,"num_words":5,"start":509.59998,"end":512.82},{"sentences":[{"text":"Mhmm.","start":519.51996,"end":520.01996,"sentiment":"neutral","sentiment_score":0.014295305125415323},{"text":"Mhmm.","start":522.375,"end":522.875,"sentiment":"neutral","sentiment_score":-0.032145339995622635},{"text":"Yes.","start":523.015,"end":523.495,"sentiment":"neutral","sentiment_score":-0.03546077385544777},{"text":"Correct.","start":523.495,"end":523.995,"sentiment":"neutral","sentiment_score":-0.05587727576494217},{"text":"Yep.","start":528.53503,"end":529.03503,"sentiment":"neutral","sentiment_score":-0.09154696762561798}],"sentiment":"neutral","sentiment_score":-0.04014701042324305,"num_words":5,"start":519.51996,"end":529.03503},{"sentences":[{"text":"Yep.","start":530.85504,"end":531.35504,"sentiment":"neutral","sentiment_score":-0.024956440553069115},{"text":"Yeah.","start":535.43,"end":535.93,"sentiment":"neutral","sentiment_score":-0.08537182211875916},{"text":"Yep.","start":539.18994,"end":539.68994,"sentiment":"neutral","sentiment_score":-0.15416938066482544},{"text":"Yeah.","start":541.43,"end":541.91,"sentiment":"neutral","sentiment_score":-0.06261441111564636},{"text":"And and to to make it important as well, it's not just you.","start":541.91,"end":545.02997,"sentiment":"neutral","sentiment_score":0.030071521177887917}],"sentiment":"neutral","sentiment_score":0.003753983580014285,"num_words":17,"start":530.85504,"end":545.02997},{"sentences":[{"text":"It's every super fund out there.","start":545.02997,"end":546.70996,"sentiment":"neutral","sentiment_score":-0.009208247065544128},{"text":"This year has been volatile for everyone.","start":546.70996,"end":548.985,"sentiment":"negative","sentiment_score":-0.4130305392401559},{"text":"It's not something anyone can control as such.","start":549.045,"end":551.785,"sentiment":"negative","sentiment_score":-0.3625696524977684},{"text":"What I would like to maybe do is I would like to maybe go back and have a look at your portfolio because you have been in this portfolio since you came on board.","start":552.245,"end":559.765,"sentiment":"neutral","sentiment_score":0.2596546409322935},{"text":"And like you said, it has provided some great returns there.","start":559.765,"end":563.23,"sentiment":"positive","sentiment_score":0.6410652507435192}],"sentiment":"neutral","sentiment_score":0.15201447080030586,"num_words":66,"start":545.02997,"end":563.23},{"sentences":[{"text":"But every so often, it is really important to update your portfolio and maybe look at some investments that might not be tracking properly, maybe look at, you know, readjusting some investments to make sure it's underperforming, that you're in the best performing portfolio.","start":563.29,"end":576.02997,"sentiment":"neutral","sentiment_score":0.08447545174170625},{"text":"Did you want me to go back and maybe have a look at those for you, maybe update the advice and make a recommendation?","start":576.765,"end":581.825,"sentiment":"neutral","sentiment_score":0.09012016452228029},{"text":"Yeah.","start":582.525,"end":583.025,"sentiment":"neutral","sentiment_score":0.12185600399971008},{"text":"Beautiful.","start":583.085,"end":583.585,"sentiment":"positive","sentiment_score":0.4388584494590759},{"text":"Yeah.","start":588.60504,"end":589.10504,"sentiment":"neutral","sentiment_score":0.12300832569599152}],"sentiment":"neutral","sentiment_score":0.09244403668062788,"num_words":71,"start":563.29,"end":589.10504},{"sentences":[{"text":"Absolutely.","start":602.36005,"end":602.86005,"sentiment":"neutral","sentiment_score":0.13072627782821655},{"text":"Yeah.","start":604.04004,"end":604.54004,"sentiment":"neutral","sentiment_score":0.09668196737766266},{"text":"Yep.","start":613.535,"end":614.035,"sentiment":"neutral","sentiment_score":0.07447019964456558},{"text":"Yep.","start":619.72,"end":620.22,"sentiment":"neutral","sentiment_score":0.22064462304115295},{"text":"Yeah.","start":631.095,"end":631.595,"sentiment":"neutral","sentiment_score":-0.034793671220541}],"sentiment":"neutral","sentiment_score":0.09754587933421136,"num_words":5,"start":602.36005,"end":631.595},{"sentences":[{"text":"Not correct.","start":631.735,"end":632.555,"sentiment":"negative","sentiment_score":-0.36106085777282715},{"text":"Oh, absolutely.","start":640.21497,"end":641.515,"sentiment":"neutral","sentiment_score":-0.31774067878723145},{"text":"Yeah.","start":642.535,"end":642.855,"sentiment":"neutral","sentiment_score":0.022774897515773773},{"text":"Definitely.","start":642.855,"end":643.355,"sentiment":"neutral","sentiment_score":-0.0668884664773941},{"text":"Well, to give you a little bit of an idea, sort of based on your age and stages where you're at, the average super balance for a female, I'm not kidding, is about a 158,331.","start":644.03,"end":656.445,"sentiment":"neutral","sentiment_score":0.07108814599258559}],"sentiment":"neutral","sentiment_score":0.026496791894116054,"num_words":41,"start":631.735,"end":656.445},{"sentences":[{"text":"So your super balance is well and truly higher than that.","start":656.525,"end":659.645,"sentiment":"positive","sentiment_score":0.6670133471488953},{"text":"You're definitely saving the average.","start":659.645,"end":662.145,"sentiment":"positive","sentiment_score":0.7093123674392701},{"text":"And, honestly, with with a little bit more market volatility, so long as we can sort of take advantage of things and get the portfolio working a bit harder for you, I would definitely expect you to hit that $400,000 mark by the end of you know, if not the end of this year, early next year.","start":662.365,"end":679.26,"sentiment":"neutral","sentiment_score":0.30424008714525325},{"text":"So in the next twelve months, you should be over that hump.","start":679.26,"end":682.08,"sentiment":"neutral","sentiment_score":0.2508142665028572},{"text":"In saying that if something happens, if you know, Trump goes over another country, there is the risk of some sort of downturn.","start":682.78,"end":689.925,"sentiment":"neutral","sentiment_score":-0.1210064428008121}],"sentiment":"neutral","sentiment_score":0.2634445984882337,"num_words":108,"start":656.525,"end":689.925},{"sentences":[{"text":"But if that does happen yeah.","start":690.14496,"end":693.205,"sentiment":"neutral","sentiment_score":0.0025626529629031816},{"text":"Well, if that does happen, we'll get excited, and we'll keep investing, and we'll take advantage of that.","start":693.90497,"end":699.02496,"sentiment":"positive","sentiment_score":0.43218252725071377},{"text":"So when the market comes back out, we'll have made some really great positive growth in that time frame.","start":699.02496,"end":704.98,"sentiment":"positive","sentiment_score":0.530461449372141},{"text":"So yeah.","start":705.04,"end":706.95996,"sentiment":"neutral","sentiment_score":0.11416337639093399},{"text":"But no.","start":706.95996,"end":707.51996,"sentiment":"neutral","sentiment_score":-0.006262732669711113}],"sentiment":"positive","sentiment_score":0.3848772390170934,"num_words":47,"start":690.14496,"end":707.51996},{"sentences":[{"text":"I completely understand where you're coming from.","start":707.51996,"end":709.86,"sentiment":"neutral","sentiment_score":-0.02365592973572867},{"text":"Yeah.","start":710.0,"end":710.5,"sentiment":"neutral","sentiment_score":0.05845657363533974},{"text":"Yeah.","start":723.58496,"end":724.08496,"sentiment":"neutral","sentiment_score":0.15523430705070496},{"text":"Yeah.","start":726.48,"end":726.98,"sentiment":"neutral","sentiment_score":0.05410635098814964},{"text":"Yes.","start":735.68,"end":736.18,"sentiment":"neutral","sentiment_score":0.04330296069383621}],"sentiment":"neutral","sentiment_score":0.013228062201629986,"num_words":11,"start":707.51996,"end":736.18},{"sentences":[{"text":"Yes.","start":744.175,"end":744.675,"sentiment":"neutral","sentiment_score":0.11849723756313324},{"text":"Yes.","start":746.015,"end":746.515,"sentiment":"neutral","sentiment_score":0.20650336146354675},{"text":"Cool.","start":746.575,"end":747.055,"sentiment":"neutral","sentiment_score":0.28005868196487427},{"text":"Yeah.","start":747.055,"end":747.555,"sentiment":"neutral","sentiment_score":0.1797012984752655},{"text":"Mhmm.","start":750.03,"end":750.53,"sentiment":"neutral","sentiment_score":0.1213894784450531}],"sentiment":"neutral","sentiment_score":0.18123001158237456,"num_words":5,"start":744.175,"end":750.53},{"sentences":[{"text":"Yeah.","start":760.19,"end":760.69,"sentiment":"neutral","sentiment_score":0.1856689155101776},{"text":"Absolutely.","start":760.75,"end":761.25,"sentiment":"neutral","sentiment_score":0.1429356038570404},{"text":"No.","start":762.155,"end":762.47504,"sentiment":"neutral","sentiment_score":-0.05346259102225304},{"text":"Definitely.","start":762.47504,"end":762.97504,"sentiment":"neutral","sentiment_score":0.11402653902769087},{"text":"And that's exactly the way we want this to work and how we structure the portfolio to generally work.","start":763.03503,"end":769.295,"sentiment":"neutral","sentiment_score":0.18908939138054848}],"sentiment":"neutral","sentiment_score":0.17312464798274246,"num_words":23,"start":760.19,"end":769.295},{"sentences":[{"text":"But because you have been on board since the I believe 2022, this is much of an older portfolio.","start":769.515,"end":775.215,"sentiment":"neutral","sentiment_score":-0.030699127402744796},{"text":"And there definitely are other portfolios out there that are working harder and have seen greater levels of returns.","start":775.4,"end":780.78,"sentiment":"neutral","sentiment_score":-0.03867639346342338},{"text":"So I'd love to go back.","start":780.84,"end":782.2,"sentiment":"neutral","sentiment_score":0.16620601962010065},{"text":"I had a look at everything individually.","start":782.2,"end":783.9,"sentiment":"neutral","sentiment_score":0.09278693688767296},{"text":"I can see some changes that we could definitely make, and I'd love to update that for you, give you a projection, to show you what we're expecting over the next sort of five to ten years and where we're sort of tracking, and then we'll keep track of it and see what's, you know, happening for you and make alterations as we get there.","start":784.60004,"end":800.19495,"sentiment":"neutral","sentiment_score":0.17400949631746}],"sentiment":"neutral","sentiment_score":0.10033816413889671,"num_words":116,"start":769.515,"end":800.19495},{"sentences":[{"text":"With the high growth environment, you said you're sort of happy to stay with that higher risk at the moment, seeking the volatility to take advantage of the market ups and downs.","start":800.89496,"end":810.13,"sentiment":"neutral","sentiment_score":-0.002073683775961399},{"text":"Are you still happy to yep.","start":810.91,"end":813.89,"sentiment":"neutral","sentiment_score":0.1337256282567978},{"text":"Yeah.","start":814.03,"end":814.35,"sentiment":"neutral","sentiment_score":0.3075777292251587},{"text":"Beautiful.","start":814.35,"end":814.85,"sentiment":"positive","sentiment_score":0.5354177951812744},{"text":"So with this you're right.","start":815.31,"end":817.23,"sentiment":"positive","sentiment_score":0.4136787414550781}],"sentiment":"neutral","sentiment_score":0.08105300267537435,"num_words":45,"start":800.89496,"end":817.23},{"sentences":[{"text":"You're good.","start":817.23,"end":817.97,"sentiment":"positive","sentiment_score":0.4928392171859741},{"text":"Mhmm.","start":824.755,"end":825.255,"sentiment":"neutral","sentiment_score":0.07437775284051895},{"text":"Yeah.","start":827.875,"end":828.375,"sentiment":"neutral","sentiment_score":0.08032995462417603},{"text":"Yep.","start":829.635,"end":830.135,"sentiment":"neutral","sentiment_score":0.06922955811023712},{"text":"Mhmm.","start":834.82,"end":835.32,"sentiment":"neutral","sentiment_score":0.04487600922584534}],"sentiment":"neutral","sentiment_score":0.2090819515287876,"num_words":6,"start":817.23,"end":835.32},{"sentences":[{"text":"Yep.","start":842.9,"end":843.4,"sentiment":"neutral","sentiment_score":-0.0054024020209908485},{"text":"Yep.","start":853.555,"end":853.95496,"sentiment":"neutral","sentiment_score":-0.0010187365114688871},{"text":"Yep.","start":853.95496,"end":854.45496,"sentiment":"neutral","sentiment_score":0.03492018207907677},{"text":"No.","start":854.595,"end":854.83496,"sentiment":"neutral","sentiment_score":0.04611023887991905},{"text":"That's perfect.","start":854.83496,"end":855.65497,"sentiment":"positive","sentiment_score":0.4333014637231827}],"sentiment":"neutral","sentiment_score":0.15686870164548358,"num_words":6,"start":842.9,"end":855.65497},{"sentences":[{"text":"Perfect.","start":856.26,"end":856.76,"sentiment":"positive","sentiment_score":0.4966586828231811},{"text":"So just to kinda give you an outgo I don't know if anyone's kind of gone through it all, but just to give you a rundown on the high growth portfolio.","start":856.82,"end":863.78,"sentiment":"neutral","sentiment_score":0.1177190118018658},{"text":"So I know you probably heard that you've got a ninety ten split versus growth versus defensive investment, But this portfolio is generally we're trying to attain about a eight to 10% return.","start":863.78,"end":874.90497,"sentiment":"neutral","sentiment_score":0.15709597685120322},{"text":"And because you are taking more risk in the market, the expected volatility could be plus or minus around that 14% either way.","start":875.045,"end":882.085,"sentiment":"neutral","sentiment_score":0.028478218323510628},{"text":"So it does mean that when the portfolio is working really well, the returns could be really high and doing very well, but the downturns can also be magnified.","start":882.085,"end":890.81,"sentiment":"neutral","sentiment_score":0.19511717300990533}],"sentiment":"neutral","sentiment_score":0.13370523353417715,"num_words":117,"start":856.26,"end":890.81},{"sentences":[{"text":"And like you said, you know, as you get closer to retirement, generally, when you kinda hit that 55 mark, if not just before, with that high growth environment, I try to, at about eight years, start to reduce the risk level back because the risk is higher, especially with a higher balance that as you kind of noted, you know, a smaller return has a much greater effect on the balance as it does increase through.","start":890.95,"end":914.94995,"sentiment":"neutral","sentiment_score":-0.06391389280944676},{"text":"So to be for '55 and seeing a 20% drop with a balance of, you know, 5 or 6 or $800,000 could have a much more significant effect on you than it could on someone who has only, say, 50 or 60 k in a super account.","start":914.94995,"end":928.955,"sentiment":"neutral","sentiment_score":-0.0984590397553241},{"text":"So it's definitely something when you kinda hit that eight year mark, I would love to start moving things back a little bit.","start":928.955,"end":934.315,"sentiment":"neutral","sentiment_score":-0.021330481638079105},{"text":"So right now, high growth environment does realistically suit where you're at.","start":934.315,"end":938.735,"sentiment":"neutral","sentiment_score":0.0006548506207764149},{"text":"We do expect the likelihood of a negative return kind of one in every five years, but we wanna take advantage of those downtimes and keep investing and building and buy into the discounted investment rates there as well.","start":938.955,"end":950.97,"sentiment":"neutral","sentiment_score":-0.12515170184465554}],"sentiment":"neutral","sentiment_score":-0.07531618109593789,"num_words":198,"start":890.95,"end":950.97},{"sentences":[{"text":"And with this sort of portfolio and environment, just as I say, compounding it forward and making sure it does continue to work and reevaluating the investments on a regular basis to make sure you stay in the curve, following the trends, and making sure we stay up to date with what's happening in the market as well.","start":952.39,"end":969.885,"sentiment":"neutral","sentiment_score":0.1641335049322967},{"text":"So this profile definitely suits where you're at at the moment.","start":969.885,"end":974.21,"sentiment":"neutral","sentiment_score":-0.09253980964422226},{"text":"Uncomfortable for you to stay there.","start":974.21,"end":975.89,"sentiment":"negative","sentiment_score":-0.6505047380924225},{"text":"When you think about the risk level, if you were to say, look at it at a five, realistically, it's about a four out of five.","start":975.89,"end":981.73,"sentiment":"neutral","sentiment_score":-0.14526885733581507},{"text":"So you know it's the highest.","start":981.73,"end":983.09,"sentiment":"neutral","sentiment_score":-0.05568148630360762}],"sentiment":"neutral","sentiment_score":0.004557922830648512,"num_words":107,"start":952.39,"end":983.09},{"sentences":[{"text":"You still have some defensive assets, which is good for taking advantage and having some downside protection, but there is still a lot of risk involved there.","start":983.09,"end":992.71497,"sentiment":"neutral","sentiment_score":0.05481769448077237},{"text":"So if you're comfortable in that environment, you're all good with that.","start":992.71497,"end":996.315,"sentiment":"neutral","sentiment_score":0.28848328348249197},{"text":"Any questions that have come out of it?","start":996.315,"end":998.255,"sentiment":"neutral","sentiment_score":0.04540999745950103},{"text":"Yeah.","start":1006.0,"end":1006.5,"sentiment":"neutral","sentiment_score":0.03675791993737221},{"text":"Yep.","start":1006.56,"end":1007.06,"sentiment":"neutral","sentiment_score":-0.010904393158853054}],"sentiment":"neutral","sentiment_score":0.10879613590255684,"num_words":49,"start":983.09,"end":1007.06},{"sentences":[{"text":"Abs absolutely.","start":1010.32,"end":1011.38,"sentiment":"neutral","sentiment_score":0.14084631018340588},{"text":"Yeah.","start":1012.64,"end":1013.14,"sentiment":"neutral","sentiment_score":0.13692089915275574},{"text":"Yep.","start":1015.025,"end":1015.34503,"sentiment":"neutral","sentiment_score":0.10125289857387544},{"text":"No.","start":1015.34503,"end":1015.665,"sentiment":"neutral","sentiment_score":0.01788673922419548},{"text":"Absolutely.","start":1015.665,"end":1016.165,"sentiment":"neutral","sentiment_score":0.09369929134845734}],"sentiment":"neutral","sentiment_score":0.10524207477768262,"num_words":6,"start":1010.32,"end":1016.165},{"sentences":[{"text":"Yep.","start":1017.585,"end":1017.825,"sentiment":"neutral","sentiment_score":0.2866819500923157},{"text":"Beautiful.","start":1017.825,"end":1018.325,"sentiment":"positive","sentiment_score":0.6261241436004639},{"text":"And that's $4.2.63 percent.","start":1018.385,"end":1020.465,"sentiment":"neutral","sentiment_score":0.30705787241458893},{"text":"As I said, it is also a net return.","start":1020.465,"end":1023.34503,"sentiment":"neutral","sentiment_score":0.20390735566616058},{"text":"So it's after the fees are being taken into account.","start":1023.34503,"end":1026.0,"sentiment":"neutral","sentiment_score":0.16673834025859832}],"sentiment":"neutral","sentiment_score":0.22574348747730255,"num_words":25,"start":1017.585,"end":1026.0},{"sentences":[{"text":"There's our ongoing service fee as well as any admin fees and things for the funds.","start":1026.0,"end":1029.84,"sentiment":"neutral","sentiment_score":0.15054911049082875},{"text":"So whilst it is definitely lower, it's still a positive return.","start":1029.84,"end":1033.38,"sentiment":"positive","sentiment_score":0.42871573296460236},{"text":"We have seen actually when we were sort of looking at things around about March and April, there were a lot of other portfolios and other funds that that were returning negative returns.","start":1034.0,"end":1042.855,"sentiment":"neutral","sentiment_score":-0.09941483130960753},{"text":"They had seen quite a very heavy drop.","start":1042.855,"end":1044.9349,"sentiment":"neutral","sentiment_score":-0.2753947898745537},{"text":"So in all honesty, to come out of this year and still have a positive return, it sort of means that before that market volatility hit, you're super well on track to kinda have a really good positive 10 or plus percent return, and that is down by that volatility we saw was what kind of pulled it back a little bit.","start":1044.9349,"end":1063.06,"sentiment":"neutral","sentiment_score":0.0850640859214529}],"sentiment":"neutral","sentiment_score":0.053190649272157595,"num_words":130,"start":1026.0,"end":1063.06},{"sentences":[{"text":"Again, I can see some investments here that might be underperforming a little bit as well, and I do wanna reevaluate the entire portfolio for you, readjusting to make sure it's continuously building and working and compounding for you.","start":1063.36,"end":1075.765,"sentiment":"neutral","sentiment_score":0.007636181246011685},{"text":"Yeah.","start":1075.825,"end":1076.325,"sentiment":"neutral","sentiment_score":0.03429720923304558},{"text":"Perfect.","start":1077.9199,"end":1078.4199,"sentiment":"positive","sentiment_score":0.3915815353393554},{"text":"All good.","start":1078.72,"end":1079.62,"sentiment":"positive","sentiment_score":0.34759436547756195},{"text":"Do you have any other questions about the super, the investments, or anything I just kinda gone through for you?","start":1079.84,"end":1086.26,"sentiment":"neutral","sentiment_score":0.049962086230516435}],"sentiment":"neutral","sentiment_score":0.038382861408449355,"num_words":63,"start":1063.36,"end":1086.26},{"sentences":[{"text":"Yeah.","start":1086.5599,"end":1087.0599,"sentiment":"neutral","sentiment_score":0.019434049725532532},{"text":"Yeah.","start":1092.065,"end":1092.565,"sentiment":"neutral","sentiment_score":0.02759462967514992},{"text":"Absolutely.","start":1093.9049,"end":1094.4049,"sentiment":"neutral","sentiment_score":0.2248701453208923},{"text":"Yes.","start":1094.625,"end":1095.105,"sentiment":"neutral","sentiment_score":0.09174980968236925},{"text":"So with your life insurance there, the sum insured you're covered for for life and total permanent disability at the moment.","start":1095.105,"end":1101.205,"sentiment":"neutral","sentiment_score":0.08125198118033863}],"sentiment":"neutral","sentiment_score":0.0827976095676422,"num_words":25,"start":1086.5599,"end":1101.205},{"sentences":[{"text":"You've got $1,248,806.04.","start":1101.505,"end":1105.84,"sentiment":"neutral","sentiment_score":0.0659036176900069},{"text":"In the event of a life and TDD, what is it that you're sort of wanting that to cover?","start":1106.46,"end":1111.02,"sentiment":"neutral","sentiment_score":0.06610288108257871},{"text":"What's your main goal with those insurances?","start":1111.02,"end":1112.96,"sentiment":"neutral","sentiment_score":0.17867598682641983},{"text":"Yep.","start":1123.3651,"end":1123.8651,"sentiment":"neutral","sentiment_score":0.2587486207485199},{"text":"Yes.","start":1131.9501,"end":1132.4501,"sentiment":"positive","sentiment_score":0.587924599647522}],"sentiment":"neutral","sentiment_score":0.11455066844580634,"num_words":31,"start":1101.505,"end":1132.4501},{"sentences":[{"text":"Yes.","start":1134.67,"end":1135.17,"sentiment":"neutral","sentiment_score":0.15880829095840454},{"text":"Oh, perfect.","start":1143.0701,"end":1143.73,"sentiment":"neutral","sentiment_score":0.25116054713726044},{"text":"Yep.","start":1156.435,"end":1156.935,"sentiment":"neutral","sentiment_score":-0.042179226875305176},{"text":"Oh, I'm so sorry.","start":1156.995,"end":1158.295,"sentiment":"neutral","sentiment_score":-0.10902988538146019},{"text":"Yeah.","start":1158.595,"end":1159.095,"sentiment":"neutral","sentiment_score":-0.05860579013824463}],"sentiment":"neutral","sentiment_score":0.013802758521503873,"num_words":9,"start":1134.67,"end":1159.095},{"sentences":[{"text":"Yeah.","start":1163.09,"end":1163.59,"sentiment":"neutral","sentiment_score":0.05238891392946243},{"text":"Yep.","start":1179.5049,"end":1180.0049,"sentiment":"neutral","sentiment_score":-0.05487745627760887},{"text":"Yep.","start":1180.945,"end":1181.445,"sentiment":"neutral","sentiment_score":-0.1603439748287201},{"text":"It really doesn't, honestly.","start":1187.6799,"end":1189.2999,"sentiment":"neutral","sentiment_score":-0.23718689009547234},{"text":"But we yep.","start":1189.9199,"end":1196.26,"sentiment":"neutral","sentiment_score":-0.14586850379904112}],"sentiment":"neutral","sentiment_score":-0.15491855889558792,"num_words":10,"start":1163.09,"end":1196.26},{"sentences":[{"text":"Yep.","start":1196.48,"end":1196.98,"sentiment":"neutral","sentiment_score":0.04319946467876434},{"text":"Yep.","start":1198.655,"end":1199.155,"sentiment":"neutral","sentiment_score":0.2199822962284088},{"text":"Yep.","start":1207.855,"end":1208.355,"sentiment":"neutral","sentiment_score":-0.09481900930404664},{"text":"Yes.","start":1211.63,"end":1212.13,"sentiment":"neutral","sentiment_score":-0.10339642316102982},{"text":"Yep.","start":1214.03,"end":1214.53,"sentiment":"neutral","sentiment_score":-0.047888725996017456}],"sentiment":"neutral","sentiment_score":0.003415520489215851,"num_words":5,"start":1196.48,"end":1214.53},{"sentences":[{"text":"That is correct.","start":1223.285,"end":1224.085,"sentiment":"neutral","sentiment_score":0.17383130391438803},{"text":"Yes.","start":1224.085,"end":1224.405,"sentiment":"neutral","sentiment_score":0.20055237412452695},{"text":"So your super benefit, currently, the $3.77, is also paid out to your beneficiaries as part of your life cover.","start":1224.405,"end":1230.745,"sentiment":"neutral","sentiment_score":0.1443465270102024},{"text":"And with your TBD, I mean, for the permanent disability, if you're still technically alive, you suffer some sort of permanent incapacity or permanent disability.","start":1231.525,"end":1239.9501,"sentiment":"neutral","sentiment_score":-0.005920566990971566},{"text":"And, again, you have that one point two million.","start":1240.01,"end":1242.35,"sentiment":"neutral","sentiment_score":0.08454665790001552}],"sentiment":"neutral","sentiment_score":0.0727910788344412,"num_words":58,"start":1223.285,"end":1242.35},{"sentences":[{"text":"And your super loans can be released under TBD as well.","start":1243.05,"end":1246.27,"sentiment":"neutral","sentiment_score":0.14128133925524625},{"text":"The only thing I do is I have to kind of bring up to make sure you're aware of because I don't know if anyone's mentioned this before, but essentially, TBD, if you do take it all as a lump sum, unfortunately, the ATO do get a payment.","start":1246.41,"end":1258.845,"sentiment":"neutral","sentiment_score":-0.09568318398669362},{"text":"TBD is claimed that you're under the age of 60.","start":1259.865,"end":1262.505,"sentiment":"neutral","sentiment_score":-0.06819453947246075},{"text":"It's actually taxed up to 22%.","start":1262.505,"end":1265.1649,"sentiment":"neutral","sentiment_score":-0.09721126159032185},{"text":"It's a it is.","start":1266.505,"end":1269.8401,"sentiment":"neutral","sentiment_score":-0.04781585047021508}],"sentiment":"neutral","sentiment_score":-0.05690094260380992,"num_words":79,"start":1243.05,"end":1269.8401},{"sentences":[{"text":"It is.","start":1269.8401,"end":1270.2401,"sentiment":"neutral","sentiment_score":-0.22081147879362106},{"text":"It's horrible.","start":1270.2401,"end":1270.9,"sentiment":"negative","sentiment_score":-0.7573555409908295},{"text":"I don't like it.","start":1270.9601,"end":1271.68,"sentiment":"negative","sentiment_score":-0.7431485950946808},{"text":"I think it's the most silliest rule under the planet, but it is technically a tax.","start":1271.68,"end":1276.64,"sentiment":"negative","sentiment_score":-0.4227603841573},{"text":"So it does mean the amount you are insured for is is not exactly the amount that you're expected to get.","start":1276.64,"end":1281.6001,"sentiment":"neutral","sentiment_score":-0.2231659498952684}],"sentiment":"negative","sentiment_score":-0.3639906558725569,"num_words":45,"start":1269.8401,"end":1281.6001},{"sentences":[{"text":"So having a higher amount of insured is better for you.","start":1281.6001,"end":1285.045,"sentiment":"neutral","sentiment_score":-0.15349180048162286},{"text":"What I would sort of say yeah.","start":1285.505,"end":1292.385,"sentiment":"neutral","sentiment_score":-0.03514612200004714},{"text":"Your super balance is also technically in that as well.","start":1292.385,"end":1295.425,"sentiment":"neutral","sentiment_score":0.022476061433553695},{"text":"So if because we when you do TBD, your suit is also released under incapacity.","start":1295.425,"end":1300.04,"sentiment":"neutral","sentiment_score":-0.00915983815987905},{"text":"That is added to the TBD benefit amount, and then the 22% taxes are taken.","start":1300.1799,"end":1305.5599,"sentiment":"neutral","sentiment_score":-0.006441928197940191}],"sentiment":"neutral","sentiment_score":-0.033512043798791954,"num_words":58,"start":1281.6001,"end":1305.5599},{"sentences":[{"text":"That is only taken on withdrawal, though.","start":1306.5,"end":1309.14,"sentiment":"neutral","sentiment_score":-0.04705306940845081},{"text":"So as an adviser, if you did ever have to claim PPD, we would help you.","start":1309.14,"end":1314.025,"sentiment":"neutral","sentiment_score":0.021604257286526263},{"text":"The taxes up to 22%, and they have this weird math calculation based on the agency stage and the, you know, certain figure that they look at to work out the tax.","start":1314.245,"end":1324.95,"sentiment":"neutral","sentiment_score":-0.07318313664291054},{"text":"But it's it's always only on withdrawal.","start":1325.51,"end":1327.7699,"sentiment":"neutral","sentiment_score":-0.05603735840746334},{"text":"So if you leave the money in super, it's not physically taxed, and we can do things and provide advice to help limit the tax and get uplifts and things like that as well.","start":1327.83,"end":1337.99,"sentiment":"neutral","sentiment_score":0.07594960922484889}],"sentiment":"neutral","sentiment_score":-0.001411859760992229,"num_words":96,"start":1306.5,"end":1337.99},{"sentences":[{"text":"So we would always help you to make sure we limit that as much as possible.","start":1337.99,"end":1341.8451,"sentiment":"neutral","sentiment_score":0.0029310637619346376},{"text":"Yeah.","start":1342.0651,"end":1342.5651,"sentiment":"neutral","sentiment_score":0.08371621370315552},{"text":"Perfect.","start":1344.145,"end":1344.645,"sentiment":"positive","sentiment_score":0.6252970695495605},{"text":"Yep.","start":1347.505,"end":1348.005,"sentiment":"neutral","sentiment_score":0.22096502780914307},{"text":"All good.","start":1349.025,"end":1349.765,"sentiment":"positive","sentiment_score":0.3335317224264145}],"sentiment":"neutral","sentiment_score":0.07828279886217344,"num_words":21,"start":1337.99,"end":1349.765},{"sentences":[{"text":"Yep.","start":1353.44,"end":1353.94,"sentiment":"neutral","sentiment_score":0.05271107703447342},{"text":"Yeah.","start":1354.0,"end":1354.24,"sentiment":"neutral","sentiment_score":0.02835778146982193},{"text":"No.","start":1354.24,"end":1354.5599,"sentiment":"neutral","sentiment_score":-0.055144913494586945},{"text":"Just with your income protection, your monthly benefit, your income, I have you on about a 105,000 per annum.","start":1354.5599,"end":1360.7999,"sentiment":"neutral","sentiment_score":-0.0488966263242458},{"text":"Is that slightly higher and or lower now?","start":1360.7999,"end":1363.3799,"sentiment":"neutral","sentiment_score":-0.10053786262869835}],"sentiment":"neutral","sentiment_score":-0.056913828539351626,"num_words":30,"start":1353.44,"end":1363.3799},{"sentences":[{"text":"Okay.","start":1369.5851,"end":1370.0851,"sentiment":"neutral","sentiment_score":-0.04856401681900024},{"text":"Yep.","start":1371.745,"end":1372.245,"sentiment":"neutral","sentiment_score":0.05664950609207153},{"text":"Yep.","start":1379.02,"end":1379.52,"sentiment":"neutral","sentiment_score":0.04890923947095871},{"text":"That's okay.","start":1381.34,"end":1382.14,"sentiment":"neutral","sentiment_score":0.1631740778684616},{"text":"Because with your income protection benefit to be covered for 70% of that income over the 103,000, you are slightly underinsured there at the moment.","start":1382.14,"end":1391.52,"sentiment":"neutral","sentiment_score":-0.10415958270430564}],"sentiment":"neutral","sentiment_score":-0.07402155610422294,"num_words":30,"start":1369.5851,"end":1391.52},{"sentences":[{"text":"Hi, Amanda.","start":1400.285,"end":1400.9451,"sentiment":"neutral","sentiment_score":-0.012594440951943398},{"text":"I'm on hold.","start":1412.0599,"end":1412.88,"sentiment":"neutral","sentiment_score":-0.021826743458708126},{"text":"Hi.","start":1414.38,"end":1414.7,"sentiment":"neutral","sentiment_score":-0.005392543971538544},{"text":"Can you hear me okay?","start":1414.7,"end":1415.74,"sentiment":"neutral","sentiment_score":-0.022141168639063836},{"text":"I'm so sorry.","start":1415.74,"end":1416.72,"sentiment":"neutral","sentiment_score":-0.1465995361407598}],"sentiment":"neutral","sentiment_score":-0.04618329341922488,"num_words":14,"start":1400.285,"end":1416.72},{"sentences":[{"text":"I think that's, like no.","start":1417.1799,"end":1420.525,"sentiment":"neutral","sentiment_score":-0.20232332050800322},{"text":"You're honestly fine.","start":1420.525,"end":1421.825,"sentiment":"neutral","sentiment_score":0.011358011513948446},{"text":"Just with the income protection benefit, the monthly benefit you have at the moment is $6,006.81 pretax.","start":1422.205,"end":1428.465,"sentiment":"neutral","sentiment_score":-0.027192951827173066},{"text":"It is a little bit underinsured from what you would need to be covered for based on 70% of that 103,000.","start":1429.645,"end":1435.91,"sentiment":"neutral","sentiment_score":-0.1434391133842014},{"text":"But it also comes down to if you are not able to work, does anything extra you're pulling from investment properties or maybe your partner's work or your business or anything, does that kind of provide a buffer?","start":1435.91,"end":1448.605,"sentiment":"neutral","sentiment_score":-0.048629915929938615}],"sentiment":"neutral","sentiment_score":-0.07499977304126203,"num_words":84,"start":1417.1799,"end":1448.605},{"sentences":[{"text":"Like, did you wanna look at maybe increasing the income protection to make sure you have that 70%?","start":1448.605,"end":1453.585,"sentiment":"neutral","sentiment_score":-0.007345600881510311},{"text":"Or for your in for your income?","start":1453.645,"end":1463.92,"sentiment":"neutral","sentiment_score":-0.013071741376604353},{"text":"Yeah.","start":1471.755,"end":1472.255,"sentiment":"neutral","sentiment_score":0.08913005888462067},{"text":"Yep.","start":1472.395,"end":1472.895,"sentiment":"neutral","sentiment_score":0.14771276712417605},{"text":"So income protection covers you for about 70% as the maximum there.","start":1482.12,"end":1486.52,"sentiment":"neutral","sentiment_score":0.08965398122866948}],"sentiment":"neutral","sentiment_score":0.027922246032036267,"num_words":39,"start":1448.605,"end":1486.52},{"sentences":[{"text":"So if we look to increase to to cover a 135,000, we'd be looking to cover you with a monthly benefit of $99,450 on a monthly basis, essentially.","start":1486.52,"end":1500.915,"sentiment":"neutral","sentiment_score":0.0758480993764741},{"text":"I can, yeah, I can absolutely do that.","start":1501.8551,"end":1503.8551,"sentiment":"positive","sentiment_score":0.6204762980341911},{"text":"As part of the advice, I can look to increase that for you.","start":1503.8551,"end":1506.915,"sentiment":"neutral","sentiment_score":0.3212585426293887},{"text":"I will just need to maybe get one of the team members to give you a call to run through a bit of a quick pre assessment in the next couple of days.","start":1507.4551,"end":1513.92,"sentiment":"neutral","sentiment_score":0.09538201547481796},{"text":"Is there maybe an afternoon next week that I could get someone to give you a call and just run through that just to make sure there's no additional plans or anything that we need to flag that could be added or changed in the policy?","start":1513.92,"end":1524.66,"sentiment":"neutral","sentiment_score":0.02955941839710526}],"sentiment":"neutral","sentiment_score":0.12321295295259915,"num_words":128,"start":1486.52,"end":1524.66},{"sentences":[{"text":"Yeah.","start":1527.835,"end":1528.335,"sentiment":"neutral","sentiment_score":0.07077500224113464},{"text":"Yeah.","start":1530.635,"end":1531.035,"sentiment":"neutral","sentiment_score":0.09084507822990416},{"text":"No worries.","start":1531.035,"end":1531.515,"sentiment":"neutral","sentiment_score":0.10855691134929658},{"text":"I'll get someone to give you a file, probably, within Monday afternoon, if that's okay.","start":1531.515,"end":1535.0549,"sentiment":"neutral","sentiment_score":0.10739844391743342},{"text":"Any certain time that kinda suits you better just so they're not cool.","start":1535.275,"end":1540.38,"sentiment":"neutral","sentiment_score":0.023886708685984977}],"sentiment":"neutral","sentiment_score":0.07188243046402931,"num_words":32,"start":1527.835,"end":1540.38},{"sentences":[{"text":"That's fine.","start":1540.9401,"end":1541.68,"sentiment":"neutral","sentiment_score":0.05736475065350532},{"text":"That's all good.","start":1542.54,"end":1543.26,"sentiment":"neutral","sentiment_score":0.2706035127242406},{"text":"No worries.","start":1543.26,"end":1543.66,"sentiment":"neutral","sentiment_score":0.0941307209432125},{"text":"So my colleague, Samantha, is the one that give you a call on Monday afternoon.","start":1543.66,"end":1546.78,"sentiment":"neutral","sentiment_score":0.07983607028921445},{"text":"She'll just give you a buzz, see if you're available, run through a quick free assessment just so I can have a look to see if we increase the policy, what we might be expecting, because we add that into the advice so you understand what we're looking at, what the expectation is, what the possible cost might be, and if on the increase of the policy, there might be anything additional there.","start":1546.78,"end":1565.055,"sentiment":"neutral","sentiment_score":0.07843666327224202}],"sentiment":"neutral","sentiment_score":0.08461283110082149,"num_words":95,"start":1540.9401,"end":1565.055},{"sentences":[{"text":"Okay?","start":1565.055,"end":1565.555,"sentiment":"neutral","sentiment_score":0.06068352609872818},{"text":"Excellent.","start":1566.98,"end":1567.48,"sentiment":"positive","sentiment_score":0.3826139867305755},{"text":"The only other thing I just wanna double check for you there is just looking at your assets and liabilities.","start":1568.1,"end":1574.28,"sentiment":"neutral","sentiment_score":-0.011726837791502475},{"text":"So just a quick run through to see if any I know you've got those two main those two new investment properties there.","start":1574.42,"end":1579.4601,"sentiment":"neutral","sentiment_score":0.004519069668553446},{"text":"What kind of value would you put on each of those property?","start":1579.4601,"end":1582.12,"sentiment":"neutral","sentiment_score":-0.004734006128273904}],"sentiment":"neutral","sentiment_score":0.0044893208041525716,"num_words":57,"start":1565.055,"end":1582.12},{"sentences":[{"text":"Half 1,000,000 each?","start":1585.2949,"end":1586.335,"sentiment":"neutral","sentiment_score":-0.00041496924435098964},{"text":"Yep.","start":1586.335,"end":1586.6549,"sentiment":"neutral","sentiment_score":0.08477833867073059},{"text":"Beautiful.","start":1586.6549,"end":1587.1549,"sentiment":"positive","sentiment_score":0.4119676351547241},{"text":"And I've got your main primary residence down.","start":1587.9349,"end":1590.495,"sentiment":"neutral","sentiment_score":0.08090705564245582},{"text":"Rough valuation last year of 1.2 so 12 yeah.","start":1590.495,"end":1594.4149,"sentiment":"neutral","sentiment_score":-0.013101921934220526}],"sentiment":"neutral","sentiment_score":0.04658364608291198,"num_words":22,"start":1585.2949,"end":1594.4149},{"sentences":[{"text":"1,250,000 as in here.","start":1594.4149,"end":1597.475,"sentiment":"neutral","sentiment_score":0.012628514785319567},{"text":"What sort of do you think valuation now?","start":1597.58,"end":1599.9,"sentiment":"neutral","sentiment_score":-0.01877228810917586},{"text":"The same?","start":1599.9,"end":1600.56,"sentiment":"neutral","sentiment_score":-0.01910523697733879},{"text":"Yep.","start":1600.7,"end":1601.2,"sentiment":"neutral","sentiment_score":-0.001990014687180519},{"text":"Yep.","start":1603.5,"end":1603.9,"sentiment":"neutral","sentiment_score":0.023035869002342224}],"sentiment":"neutral","sentiment_score":-0.007301804085727781,"num_words":16,"start":1594.4149,"end":1603.9},{"sentences":[{"text":"Beautiful.","start":1603.9,"end":1604.4,"sentiment":"neutral","sentiment_score":0.1570778489112854},{"text":"Mortgage is down to about 620.","start":1605.1,"end":1607.5,"sentiment":"neutral","sentiment_score":-0.03202163428068161},{"text":"Has it kind of reduced a little bit further there at the moment?","start":1607.5,"end":1610.32,"sentiment":"neutral","sentiment_score":-0.07032994754039325},{"text":"Yeah.","start":1614.585,"end":1614.985,"sentiment":"neutral","sentiment_score":0.06255321949720383},{"text":"Beautiful.","start":1614.985,"end":1615.485,"sentiment":"neutral","sentiment_score":0.32078880071640015}],"sentiment":"neutral","sentiment_score":-0.025727238844741474,"num_words":22,"start":1603.9,"end":1615.485},{"sentences":[{"text":"Excellent.","start":1615.785,"end":1616.285,"sentiment":"positive","sentiment_score":0.4049389958381653},{"text":"You had about 25,000 cash in the bank as well.","start":1617.145,"end":1620.585,"sentiment":"neutral","sentiment_score":0.1542303144931793},{"text":"Do you still have that end or has that changed at all?","start":1620.585,"end":1623.565,"sentiment":"neutral","sentiment_score":0.03549372280637423},{"text":"That's the same beautiful.","start":1627.7301,"end":1628.8701,"sentiment":"neutral","sentiment_score":0.11594260483980179},{"text":"And you had some shares as well with a a valuation of about 30,000.","start":1629.01,"end":1632.93,"sentiment":"neutral","sentiment_score":0.026409150566905737}],"sentiment":"neutral","sentiment_score":0.07821134979859358,"num_words":41,"start":1615.785,"end":1632.93},{"sentences":[{"text":"Do you still have those shares?","start":1632.93,"end":1634.39,"sentiment":"neutral","sentiment_score":0.0050267755674819154},{"text":"70,000?","start":1644.625,"end":1645.5249,"sentiment":"neutral","sentiment_score":0.01591411419212818},{"text":"Yep.","start":1645.9049,"end":1646.385,"sentiment":"neutral","sentiment_score":0.07867555320262909},{"text":"Fantastic.","start":1646.385,"end":1646.885,"sentiment":"neutral","sentiment_score":0.2653981149196625},{"text":"And we also have the offset account noting about 50,000 in there.","start":1648.0,"end":1651.84,"sentiment":"neutral","sentiment_score":0.08019285804281633}],"sentiment":"neutral","sentiment_score":0.06440298724919558,"num_words":21,"start":1632.93,"end":1651.84},{"sentences":[{"text":"Do you still happen to have that?","start":1651.84,"end":1653.7,"sentiment":"neutral","sentiment_score":0.03449722406055246},{"text":"Yeah.","start":1655.84,"end":1656.08,"sentiment":"neutral","sentiment_score":0.0031734933145344257},{"text":"And is it about the same or increased?","start":1656.08,"end":1657.9199,"sentiment":"neutral","sentiment_score":-0.011207363684661686},{"text":"Or about the same.","start":1657.9199,"end":1661.855,"sentiment":"neutral","sentiment_score":-0.012210350949317217},{"text":"Yep.","start":1661.855,"end":1662.1749,"sentiment":"neutral","sentiment_score":0.08504758775234222}],"sentiment":"neutral","sentiment_score":0.009104825534103881,"num_words":21,"start":1651.84,"end":1662.1749},{"sentences":[{"text":"Beautiful.","start":1662.1749,"end":1662.6749,"sentiment":"positive","sentiment_score":0.3425986170768738},{"text":"Fantastic.","start":1662.895,"end":1663.395,"sentiment":"positive","sentiment_score":0.3907771408557892},{"text":"The only other thing here is beneficiaries.","start":1664.655,"end":1666.355,"sentiment":"neutral","sentiment_score":0.09697429303612028},{"text":"I have it down that you wanted to keep us as your beneficiary for both your super and insurances.","start":1666.655,"end":1672.275,"sentiment":"neutral","sentiment_score":0.07545418860880952},{"text":"Is that still all current and correct?","start":1672.495,"end":1674.995,"sentiment":"neutral","sentiment_score":0.047242135873862674}],"sentiment":"neutral","sentiment_score":0.09075772411056927,"num_words":35,"start":1662.1749,"end":1674.995},{"sentences":[{"text":"Yep.","start":1677.59,"end":1677.99,"sentiment":"neutral","sentiment_score":0.1465252935886383},{"text":"Beautiful.","start":1677.99,"end":1678.49,"sentiment":"neutral","sentiment_score":0.30148911476135254},{"text":"And I have it down here that you guys do have a will and have attorney all set up.","start":1678.63,"end":1682.7899,"sentiment":"neutral","sentiment_score":0.1174311112416418},{"text":"Is that still current and reflecting your wishes?","start":1682.7899,"end":1685.2899,"sentiment":"neutral","sentiment_score":0.09462147019803524},{"text":"Yep.","start":1691.125,"end":1691.625,"sentiment":"neutral","sentiment_score":0.13228246569633484}],"sentiment":"neutral","sentiment_score":0.11894865830739339,"num_words":30,"start":1677.59,"end":1691.625},{"sentences":[{"text":"Beautiful.","start":1692.1649,"end":1692.6649,"sentiment":"positive","sentiment_score":0.4089561700820923},{"text":"Excellent.","start":1692.8049,"end":1693.3049,"sentiment":"positive","sentiment_score":0.41055554151535034},{"text":"And those investment properties that you do now have, I have it that you've been inherited the two.","start":1693.605,"end":1697.9249,"sentiment":"neutral","sentiment_score":0.1591609422531393},{"text":"They are completely debt free.","start":1697.9249,"end":1699.365,"sentiment":"neutral","sentiment_score":0.13930074870586395},{"text":"You don't have any loans with any of those?","start":1699.365,"end":1701.625,"sentiment":"neutral","sentiment_score":0.013142171108888255}],"sentiment":"neutral","sentiment_score":0.1323291751665666,"num_words":34,"start":1692.1649,"end":1701.625},{"sentences":[{"text":"That's beautiful.","start":1703.54,"end":1704.36,"sentiment":"neutral","sentiment_score":0.31916147470474243},{"text":"And I can see that you're also building an investment property as well.","start":1704.74,"end":1708.5801,"sentiment":"neutral","sentiment_score":0.23431070836690757},{"text":"Do you have a third or other investment property?","start":1708.5801,"end":1711.0801,"sentiment":"neutral","sentiment_score":-0.005054072269962894},{"text":"Okay.","start":1715.505,"end":1715.905,"sentiment":"neutral","sentiment_score":-0.04507146403193474},{"text":"No.","start":1715.905,"end":1716.385,"sentiment":"neutral","sentiment_score":-0.14866849780082703}],"sentiment":"neutral","sentiment_score":0.13250521330449444,"num_words":26,"start":1703.54,"end":1716.385},{"sentences":[{"text":"Still to do.","start":1716.385,"end":1717.285,"sentiment":"neutral","sentiment_score":-0.19964155554771423},{"text":"It's difficult.","start":1720.8651,"end":1721.8451,"sentiment":"negative","sentiment_score":-0.42575378715991974},{"text":"Yes.","start":1722.145,"end":1722.625,"sentiment":"neutral","sentiment_score":-0.11611570417881012},{"text":"And with the changes in the legislation now happening, building is going to be interesting.","start":1722.625,"end":1728.13,"sentiment":"neutral","sentiment_score":-0.2928610652685165},{"text":"I think the market's gonna be very oversaturated.","start":1728.13,"end":1730.15,"sentiment":"negative","sentiment_score":-0.36217496544122696}],"sentiment":"neutral","sentiment_score":-0.3054090912999778,"num_words":29,"start":1716.385,"end":1730.15},{"sentences":[{"text":"Investors everywhere are gonna be building properties.","start":1730.53,"end":1734.63,"sentiment":"neutral","sentiment_score":-0.2095124742814473},{"text":"Is there any other kind of goals moving forward that you might be looking to do over the next sort of one to two or even five years?","start":1735.73,"end":1742.31,"sentiment":"neutral","sentiment_score":-0.136113035492599},{"text":"Or yep.","start":1742.37,"end":1750.745,"sentiment":"neutral","sentiment_score":-0.20054426789283752},{"text":"Yep.","start":1756.245,"end":1756.745,"sentiment":"neutral","sentiment_score":-0.010511919856071472},{"text":"Yeah.","start":1759.8301,"end":1760.3301,"sentiment":"neutral","sentiment_score":0.09340924769639967}],"sentiment":"neutral","sentiment_score":-0.14348573132585257,"num_words":39,"start":1730.53,"end":1760.3301},{"sentences":[{"text":"Nice.","start":1760.7101,"end":1761.2101,"sentiment":"positive","sentiment_score":0.34528404474258423},{"text":"Absolutely.","start":1768.9501,"end":1769.4501,"sentiment":"neutral","sentiment_score":0.016599824652075768},{"text":"Yeah.","start":1770.55,"end":1771.05,"sentiment":"neutral","sentiment_score":0.01463753916323185},{"text":"That's okay.","start":1773.785,"end":1774.6849,"sentiment":"neutral","sentiment_score":0.161665640771389},{"text":"Goal wise for retirement, did you want me to work on 60 just to make it easy, give you the option of retiring afterwards?","start":1774.825,"end":1780.285,"sentiment":"neutral","sentiment_score":0.1561822093402346}],"sentiment":"neutral","sentiment_score":0.15338709359538966,"num_words":29,"start":1760.7101,"end":1780.285},{"sentences":[{"text":"Yep.","start":1788.54,"end":1789.04,"sentiment":"neutral","sentiment_score":0.11080195754766464},{"text":"Survival.","start":1799.515,"end":1800.015,"sentiment":"neutral","sentiment_score":0.0889291763305664},{"text":"Yep.","start":1801.995,"end":1802.495,"sentiment":"neutral","sentiment_score":-0.012878704816102982},{"text":"Mhmm.","start":1805.745,"end":1805.995,"sentiment":"neutral","sentiment_score":0.003284676466137171},{"text":"Yeah.","start":1805.995,"end":1806.495,"sentiment":"neutral","sentiment_score":0.010493889451026917}],"sentiment":"neutral","sentiment_score":0.04012619899585843,"num_words":5,"start":1788.54,"end":1806.495},{"sentences":[{"text":"Yeah.","start":1810.9551,"end":1811.4551,"sentiment":"neutral","sentiment_score":-0.005765717476606369},{"text":"Yeah.","start":1814.02,"end":1814.52,"sentiment":"neutral","sentiment_score":0.019380545243620872},{"text":"Yep.","start":1820.7401,"end":1821.2401,"sentiment":"neutral","sentiment_score":0.06561355292797089},{"text":"Yep.","start":1821.7001,"end":1822.2001,"sentiment":"neutral","sentiment_score":0.09027405083179474},{"text":"Yeah.","start":1827.7451,"end":1828.2451,"sentiment":"neutral","sentiment_score":0.08885983377695084}],"sentiment":"neutral","sentiment_score":0.05167245306074619,"num_words":5,"start":1810.9551,"end":1828.2451},{"sentences":[{"text":"Absolutely.","start":1836.2251,"end":1836.7251,"sentiment":"neutral","sentiment_score":0.168590247631073},{"text":"And you're still teaching your school teacher at primary school take down?","start":1837.265,"end":1840.5651,"sentiment":"neutral","sentiment_score":0.1288794750968615},{"text":"Yes.","start":1845.6901,"end":1846.1901,"sentiment":"neutral","sentiment_score":0.09055942296981812},{"text":"Beautiful.","start":1849.05,"end":1849.55,"sentiment":"positive","sentiment_score":0.7593504190444946},{"text":"Yeah.","start":1849.93,"end":1850.17,"sentiment":"neutral","sentiment_score":0.23155690729618073}],"sentiment":"neutral","sentiment_score":0.17478816863149405,"num_words":16,"start":1836.2251,"end":1850.17},{"sentences":[{"text":"Of course.","start":1850.17,"end":1850.8301,"sentiment":"neutral","sentiment_score":0.11657274886965752},{"text":"I mean, teaching yourself part time still requires a lot of hours.","start":1851.6901,"end":1854.99,"sentiment":"neutral","sentiment_score":0.044187257842471205},{"text":"So no.","start":1855.05,"end":1857.905,"sentiment":"neutral","sentiment_score":0.048151709139347076},{"text":"All good.","start":1857.905,"end":1858.305,"sentiment":"neutral","sentiment_score":0.21447142958641052},{"text":"And you mentioned you've got your business as well.","start":1858.305,"end":1861.025,"sentiment":"neutral","sentiment_score":0.048927191644907}],"sentiment":"neutral","sentiment_score":0.06403642941128325,"num_words":27,"start":1850.17,"end":1861.025},{"sentences":[{"text":"You have a self employed as well?","start":1861.025,"end":1862.885,"sentiment":"neutral","sentiment_score":0.036891618743538857},{"text":"Okay.","start":1865.825,"end":1866.325,"sentiment":"neutral","sentiment_score":0.04506848379969597},{"text":"Yep.","start":1868.545,"end":1869.0,"sentiment":"neutral","sentiment_score":0.1496122181415558},{"text":"Beautiful.","start":1870.6,"end":1871.1,"sentiment":"positive","sentiment_score":0.5476505160331726},{"text":"Not a problem at 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fee.","start":1885.755,"end":1887.5951,"sentiment":"neutral","sentiment_score":0.05055488858904157}],"sentiment":"neutral","sentiment_score":0.09697364684608248,"num_words":54,"start":1873.16,"end":1887.5951},{"sentences":[{"text":"It is 1.65% per annum, and then deducting the smaller monthly increments out of your super.","start":1887.5951,"end":1893.6151,"sentiment":"neutral","sentiment_score":0.0586901071947068},{"text":"The advice, I'll go back and have a look at the super, all the investments, and make some recommendations there for you.","start":1894.25,"end":1900.35,"sentiment":"neutral","sentiment_score":0.11981300400062041},{"text":"Any advice I update is fully complimentary.","start":1900.49,"end":1902.99,"sentiment":"neutral","sentiment_score":0.23608332233769552},{"text":"We don't charge anything else.","start":1903.0499,"end":1904.4099,"sentiment":"neutral","sentiment_score":0.10911431908607483},{"text":"The advice around the super is all part of the ongoing service agreement there for you.","start":1904.4099,"end":1908.885,"sentiment":"neutral","sentiment_score":0.11177328368648887}],"sentiment":"neutral","sentiment_score":0.11456750293798519,"num_words":66,"start":1887.5951,"end":1908.885},{"sentences":[{"text":"But I'll come back.","start":1909.765,"end":1910.905,"sentiment":"neutral","sentiment_score":0.05225495249032974},{"text":"Yep.","start":1912.645,"end":1913.145,"sentiment":"neutral","sentiment_score":0.03997056931257248},{"text":"Research.","start":1914.245,"end":1914.745,"sentiment":"neutral","sentiment_score":0.02773931995034218},{"text":"Yep.","start":1916.325,"end":1916.805,"sentiment":"neutral","sentiment_score":0.05114143341779709},{"text":"Yeah.","start":1916.805,"end":1917.045,"sentiment":"neutral","sentiment_score":0.05090625584125519}],"sentiment":"neutral","sentiment_score":0.04734717356041074,"num_words":8,"start":1909.765,"end":1917.045},{"sentences":[{"text":"It's 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disadvantages, risks involved for you to consider, and then you get to decide whether you take the advice or not.","start":1934.49,"end":1941.4451,"sentiment":"neutral","sentiment_score":0.06189719098620117},{"text":"Okay?","start":1941.505,"end":1942.005,"sentiment":"neutral","sentiment_score":0.03832998871803284},{"text":"Fantastic.","start":1943.665,"end":1944.165,"sentiment":"positive","sentiment_score":0.5675196647644043},{"text":"That's okay.","start":1945.105,"end":1945.905,"sentiment":"neutral","sentiment_score":0.20432106405496597},{"text":"I I know you are busy.","start":1945.905,"end":1947.025,"sentiment":"neutral","sentiment_score":0.0006603430956602097}],"sentiment":"neutral","sentiment_score":0.07364665952456348,"num_words":34,"start":1934.49,"end":1947.025},{"sentences":[{"text":"I thank you for your time.","start":1947.025,"end":1947.905,"sentiment":"neutral","sentiment_score":0.2609210858742396},{"text":"I will let you go now.","start":1947.905,"end":1949.185,"sentiment":"neutral","sentiment_score":0.13612355664372444},{"text":"Thank you so much for taking my call.","start":1949.185,"end":1951.2051,"sentiment":"neutral","sentiment_score":0.10677243256941438},{"text":"No.","start":1958.1,"end":1958.4199,"sentiment":"neutral","sentiment_score":-0.026920266449451447},{"text":"You're all good, Samantha.","start":1958.4199,"end":1959.72,"sentiment":"neutral","sentiment_score":0.14336101338267326}],"sentiment":"neutral","sentiment_score":0.15131884410977364,"num_words":25,"start":1947.025,"end":1959.72},{"sentences":[{"text":"It's easy.","start":1959.7799,"end":1961.2999,"sentiment":"neutral","sentiment_score":0.2724571004509926},{"text":"You have a good afternoon.","start":1961.2999,"end":1962.6799,"sentiment":"neutral","sentiment_score":0.052658194303512575},{"text":"Yes.","start":1963.0599,"end":1963.38,"sentiment":"neutral","sentiment_score":0.02149354107677937},{"text":"Sorry.","start":1963.38,"end":1963.88,"sentiment":"neutral","sentiment_score":-0.07256275415420532},{"text":"Yes.","start":1966.6749,"end":1967.155,"sentiment":"neutral","sentiment_score":0.023457461968064308}],"sentiment":"neutral","sentiment_score":0.07805934213101864,"num_words":10,"start":1959.7799,"end":1967.155},{"sentences":[{"text":"Yes.","start":1967.155,"end":1967.5549,"sentiment":"neutral","sentiment_score":0.04349139332771301},{"text":"If you could, that'd be fantastic.","start":1967.5549,"end":1969.095,"sentiment":"neutral","sentiment_score":0.1154365794112285},{"text":"Just whenever you got a chance.","start":1969.235,"end":1971.095,"sentiment":"neutral","sentiment_score":0.11295884350935619},{"text":"Yep.","start":1971.475,"end":1971.975,"sentiment":"neutral","sentiment_score":0.09818725287914276},{"text":"No.","start":1977.9989,"end":1978.4989,"sentiment":"neutral","sentiment_score":0.1804986596107483}],"sentiment":"neutral","sentiment_score":0.1128366562227408,"num_words":15,"start":1967.155,"end":1978.4989},{"sentences":[{"text":"All good.","start":1978.559,"end":1979.039,"sentiment":"positive","sentiment_score":0.4551239162683487},{"text":"You have a lovely afternoon.","start":1979.039,"end":1980.3989,"sentiment":"positive","sentiment_score":0.6842377066612244},{"text":"Thanks so much for taking my call.","start":1980.3989,"end":1981.919,"sentiment":"positive","sentiment_score":0.8050185867718288},{"text":"Talk to you soon.","start":1981.919,"end":1982.8789,"sentiment":"positive","sentiment_score":0.5974615514278412},{"text":"Appreciate it.","start":1982.8789,"end":1983.939,"sentiment":"positive","sentiment_score":0.714274525642395}],"sentiment":"positive","sentiment_score":0.6892480865120888,"num_words":20,"start":1978.559,"end":1983.939},{"sentences":[{"text":"Thanks, Samantha.","start":1985.039,"end":1985.9039,"sentiment":"neutral","sentiment_score":0.24436435103416443}],"sentiment":"neutral","sentiment_score":0.24436435103416443,"num_words":2,"start":1985.039,"end":1985.9039}]}}]},{"alternatives":[{"transcript":"Hello? I'm good. Thank you. How are you? Yeah. That's fine. Thank you. Busy. Yep. Yeah. That's fine. I had a quick look at them before I jumped in the car. Yeah. So yeah. Not everything, but I've had a a quick client that had a couple of them. So, yeah, I've got a bit of a rough idea. Yeah. That's fine. Thank you. Samantha k Brenthouse. My date of birth is twenty third of the fourth nineteen eighty one, and my address is 55 Ollieanda Drive, Youngerboro 4884. Yeah. Because in my head, I'd kinda probably worked out that I should've been sitting. I'd anticipated it'd be closer to the $400,000 mark for where it should be sitting, but, obviously, it has not landed there. So whether I kind of have been calculated stuff or not. So, yeah, I'm intrigued because it feels like my husband's portfolio is far catching up to mine, and I had a significant jump in front of his. So, yeah, I'm just I'm querying kind of because it was making quite good traction there for a while, and it seems to I don't know. Maybe flunked a little bit. So definitely looking at that. Yeah. Oh, okay. So it must have been lower than I thought. Yeah. Okay. Alright. Sorry. Can I just stop you there for a minute? Sorry. What's my balance at the moment? Okay. Sorry. I thought you said and then I thought you said 317, and I was like, oh, should I just better double check that? No. That okay. So that's then performed better than I thought because I thought it was closer to, like, the $3.30. But yeah. No. That's cool. So it's at three seventy. It's at seventy seven. Okay. Perfect. Yep. Yep. No. No. That's alright. No. It's I'm in a bad network area as well, and it's Telstra. So Yes. Yes. Yeah. Yep. Yeah. Yeah. Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yes. Yeah. So that's that's not my contributions as well as that. That's just the investment. So yes. Yeah. Yep. Yeah. Yeah. No. I'm I guess from my perspective is I really was kind of in my head, I was hoping that it was gonna hit that. And I imagine if it had it had the 10% or closer to the 10% or even 8% interest, it would have hit that 400,000 mark a little bit closer. Because, essentially, once I get over that the whole thing with compounding interest is once I get over that $400,000 mark, it's gonna start growing exponentially whether I'm putting a lot of extra contributions into it or not. Do you know what I mean? Like so if I've got a 400 thousand dollar portfolio, I am making, you know, eight to 10%, I'm getting $40 in growth every year. Ten years, that's 400,000. Like so I was kind of that that was in my head. I was kinda like, fuck. Alright. I was really hoping it was gonna nail that for me. Yeah. So I just I had a couple of good years, obviously, once I moved over to you guys, but then there's definitely been a couple of not so great ones, which, like I said, I've been like, shit. Yeah. Yeah. Yeah. Yeah. Yeah. I'm I'm completely open to that. Yeah. Like I said, because it's not it's got a decent amount of money in it. You know? Like, for for my age, it's not you know, I would expect them, you know, if I, you know, bid it out with that. But it's I still have pretty decent portfolio. Do you know what I mean? Like, pretty close to 400 thousand with, on paper, potentially twenty years of work and earning potential, which I'm probably not gonna stick out that long. But do you know what I mean? Like, if so, from a working perspective, technically, on paper, it looks like I'm just over halfway through my working life. You know? Like, I was like I said to myself, and I'm like, it it seems pretty decent. Like, I was like, if I get to that 400,000 mark, I'm like, I'd be pretty happy. Like yeah. So because like I said, it will just you know, it's always like that first 100,000 is always really hard to make, and then that first million is really hard to make. And Yes. Yeah. Yeah. Yeah. Yeah. And that's that's one of those things that it just yeah. Yeah. Yeah. Yeah. Yeah. And I'm yeah. I kinda just want to get to the point where so while I'm in my, you know, mid to late forties, I'm happy to and I'm still working fairly consistently. I want to keep making as many gains as I can so that when I kind of walk into that 50 and my work is less, I'm obviously not gonna be making as many contributions. But I want that portfolio to maybe not have as much high volatility, maybe just pay it back a little bit, but just keep ticking over. Like, just the money that's in the bank is just, you know so like I said, you know, if I'm getting 8% or whatever it is on, you know, 400,000, in the ten years from 50 to 60, it's, you know, doubling my money essentially for me. So yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. I'm I'm okay with that. Yeah. Yep. Yeah. Just because I'm like I said, I'm still in my, like, my earning capacity. Like, I'm still, you know, contributing to my super, still getting paid super, those kind of things. So while that money is going in there to kind of offset some of that risk, like, yeah, I'm happy. And I, you know, I don't need to access the that's the other bit. Like, obviously, I can't access it now anyway, even if I wanted to. Do you know what I mean? Like, I'm not I'm not 55, approaching 60. I still got that time up my place to recuperate. So I'm I'm okay with that that risk at the moment. Yeah. Yes. Yeah. Yes. Yes. Yes. Yep. Yes. Yeah. Yeah. Yeah. Yeah. And that's I'm all good with that. So it still turned around, you know, just under 5% or whatever, which, yeah, like I said, isn't ideal, but it's still making $20, which is that's fine. Like, you know yeah. So, no, I'm okay with that. Yeah. That's fine. Yes. Yeah. Yeah. Yeah. Yeah. No. Thanks. No. I think that's that's okay because my my life insurance, everything is still all runs up through that and stuff as well, doesn't it? Yeah. Yeah. Perfect. Yes. Probably just cover a small portion of it will cover the last of the mortgage. But the rest would essentially be just for my my children just to be able like, it'll be a longevity kind of thing. So, you know, as the years have progressed, obviously, loans have gotten smaller, paid off less. We only have a small amount left on our home. All of our other properties are all owned outright. No debt with our business. Yeah. So our second sense have changed slightly. Like, my husband's parents have both passed away in the last twelve months, so we've inherited. Yeah. No. It's been a it's been a really a shit year, but that's okay. But we've inherited two properties from that. So our financial position has secured considerably, so there's no reason for me to have to up my life insurance. If anything, it's probably a little bit of overkill at the moment, but we'll just leave it there for the time being because shit happens in the cost of living. And I'm not quite sure a million dollars by quite what it used to. Somebody used to retire on a million dollars. Now you're like, if I want a million dollars on a lot, I'm probably still gonna have to work. Like yeah. So I'm happy to just kinda leave that there because as long as that's covered. But it doesn't really need to go to anything as opposed to when I started. Like, there was obviously a lot of debt that needed to be covered or, you know, at least allowed for. So that policy is on top of in the event of death, on top of the super account as well, isn't it? Add it into Yeah. Okay. Lockout is an income, essentially. Yeah. Yeah. Okay. So, technically, out of that million one point two five, that's probably only cleared just under a million. Yeah. Okay. Yeah. Yeah. Okay. Yeah. Okay. Yeah. Yeah. Yeah. So yeah. Yeah. No. That's fine. So, yeah, definitely leave that there then in that point. Yeah. Is there anything else that we need to cover, or is that pretty much? No. That's about right. I think it was a 102 or something. It came in at on my tax file statement. So that's fine. If we have it around that, it'll hit this financial year might have to go a little bit higher, but, yeah, we'll just leave it at that for now. Yeah. Hello? Sorry. I don't know what happened then. Sorry. My apologies. I don't know what happened. Yeah. Could you possibly take it up to the threshold of the 135? Do you know how to look for it? Yeah. If we can take it up to the 135 because that's my goal is to get it to that one this year and then hopefully not go away because I don't wanna pay any more tax. But yeah. So then if my income is a 135,000, then it'll be 75% of that, which will hit that 100,000, which will probably cover everything. Yeah. Yeah. Okay. Yes. Perfect. That's Yep. Yeah. That's fine. Either a Monday afternoon or a Friday afternoon is fine. Yep. That's fine. No. It's fine. No. That's okay. That's fine. Yep. Yep. Yeah. Okay. Yep. That's fine. Half 1,000,000 h. Yeah. That's about right. Yeah. It'll be about the same. I would say it's probably under 500. Yeah. No. It's probably about the same. Yeah. This is probably probably about 70,000 now, share portfolio. Yep. No. It's about the same. Yes. That's correct. Yes. That is current. It was updated in September 2025. No. No. We haven't built on either of those yet. Yeah. We the whole market with building is definitely not the right time for anything at the moment. Sorry. It's definitely reducing my work capacity. So I I'll do a couple more years of, like, actual full time work before I semi semi retire. Yeah. So a bit more of a work life balance as opposed to just working until I'm 60 and then stopping work or 60 five or 67, whatever the government tells us was supposed to be working. Yes. Yeah. We like, yeah. We we'll literally by the time I'm 50, I will be semi retired. And, yes, just working for enjoyment and funding holidays as opposed to working for yeah. Like, you know, at the moment, growth and paying, yeah, paying mortgages and stuff like that off. Like, it'll be slightly different. So yeah. Because my kids are significantly older now as well. So I'll be in empty nest about the number 50. Yeah. So it changes the the amount of money that has to come in every week or every month. Yeah. So happy to still take risks and work while we need to now. Like, that's pretty much the goal and clear all the debt, and then then we can reassess and decide what to do with all that disposable income that we have. Yes. Yep. I'm still doing that part time and doing other stuff part time, which is great for full time work. Yeah. Yeah. My husband has a business that yeah. Yeah. Yep. So you'll reach out again once you've done some you've looked at the figures and things like that. Yeah. And you'll come back, and then we can go from there. Yeah. That's gold. That's fine. Yep. So yeah. No worries. Thank you. Oh, no. That's alright. Yeah. I'm doing kid pickup now. So I'm like, I'm trying to have a conversation with my son in the car while listening to you at the same time. Yeah. No worries. So I need to sign that I need to sign that document that you've sent through. Yeah? Sign that, and then you'll yeah. Yeah. Awesome. Cool. Thank you very much for your time. I appreciate that. Okay. Thank you. 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I'm good. Thank you. How are you? Yeah.\n\nThat's fine. Thank you. Busy. Yep. Yeah.\n\nThat's fine. I had a quick look at them before I jumped in the car. Yeah. So yeah. Not everything, but I've had a a quick client that had a couple of them.\n\nSo, yeah, I've got a bit of a rough idea. Yeah. That's fine. Thank you. Samantha k Brenthouse.\n\nMy date of birth is twenty third of the fourth nineteen eighty one, and my address is 55 Ollieanda Drive, Youngerboro 4884. Yeah. Because in my head, I'd kinda probably worked out that I should've been sitting. I'd anticipated it'd be closer to the $400,000 mark for where it should be sitting, but, obviously, it has not landed there. So whether I kind of have been calculated stuff or not.\n\nSo, yeah, I'm intrigued because it feels like my husband's portfolio is far catching up to mine, and I had a significant jump in front of his. So, yeah, I'm just I'm querying kind of because it was making quite good traction there for a while, and it seems to I don't know. Maybe flunked a little bit. So definitely looking at that. Yeah.\n\nOh, okay. So it must have been lower than I thought. Yeah. Okay. Alright.\n\nSorry. Can I just stop you there for a minute? Sorry. What's my balance at the moment? Okay.\n\nSorry. I thought you said and then I thought you said 317, and I was like, oh, should I just better double check that? No. That okay. So that's then performed better than I thought because I thought it was closer to, like, the $3.30.\n\nBut yeah. No. That's cool. So it's at three seventy. It's at seventy seven.\n\nOkay. Perfect. Yep. Yep. No.\n\nNo. That's alright. No. It's I'm in a bad network area as well, and it's Telstra. So Yes.\n\nYes. Yeah. Yep. Yeah. Yeah.\n\nOkay. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yes. Yeah. So that's that's not my contributions as well as that.\n\nThat's just the investment. So yes. Yeah. Yep. Yeah.\n\nYeah. No. I'm I guess from my perspective is I really was kind of in my head, I was hoping that it was gonna hit that. And I imagine if it had it had the 10% or closer to the 10% or even 8% interest, it would have hit that 400,000 mark a little bit closer. Because, essentially, once I get over that the whole thing with compounding interest is once I get over that $400,000 mark, it's gonna start growing exponentially whether I'm putting a lot of extra contributions into it or not.\n\nDo you know what I mean? Like so if I've got a 400 thousand dollar portfolio, I am making, you know, eight to 10%, I'm getting $40 in growth every year. Ten years, that's 400,000. Like so I was kind of that that was in my head. I was kinda like, fuck.\n\nAlright. I was really hoping it was gonna nail that for me. Yeah. So I just I had a couple of good years, obviously, once I moved over to you guys, but then there's definitely been a couple of not so great ones, which, like I said, I've been like, shit. Yeah.\n\nYeah. Yeah. Yeah. Yeah. I'm I'm completely open to that.\n\nYeah. Like I said, because it's not it's got a decent amount of money in it. You know? Like, for for my age, it's not you know, I would expect them, you know, if I, you know, bid it out with that. But it's I still have pretty decent portfolio.\n\nDo you know what I mean? Like, pretty close to 400 thousand with, on paper, potentially twenty years of work and earning potential, which I'm probably not gonna stick out that long. But do you know what I mean? Like, if so, from a working perspective, technically, on paper, it looks like I'm just over halfway through my working life. You know?\n\nLike, I was like I said to myself, and I'm like, it it seems pretty decent. Like, I was like, if I get to that 400,000 mark, I'm like, I'd be pretty happy. Like yeah. So because like I said, it will just you know, it's always like that first 100,000 is always really hard to make, and then that first million is really hard to make. And Yes.\n\nYeah. Yeah. Yeah. Yeah. And that's that's one of those things that it just yeah.\n\nYeah. Yeah. Yeah. Yeah. And I'm yeah.\n\nI kinda just want to get to the point where so while I'm in my, you know, mid to late forties, I'm happy to and I'm still working fairly consistently. I want to keep making as many gains as I can so that when I kind of walk into that 50 and my work is less, I'm obviously not gonna be making as many contributions. But I want that portfolio to maybe not have as much high volatility, maybe just pay it back a little bit, but just keep ticking over. Like, just the money that's in the bank is just, you know so like I said, you know, if I'm getting 8% or whatever it is on, you know, 400,000, in the ten years from 50 to 60, it's, you know, doubling my money essentially for me. So yeah.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nYeah. I'm I'm okay with that. Yeah. Yep. Yeah.\n\nJust because I'm like I said, I'm still in my, like, my earning capacity. Like, I'm still, you know, contributing to my super, still getting paid super, those kind of things. So while that money is going in there to kind of offset some of that risk, like, yeah, I'm happy. And I, you know, I don't need to access the that's the other bit. Like, obviously, I can't access it now anyway, even if I wanted to.\n\nDo you know what I mean? Like, I'm not I'm not 55, approaching 60. I still got that time up my place to recuperate. So I'm I'm okay with that that risk at the moment. Yeah.\n\nYes. Yeah. Yes. Yes. Yes.\n\nYep. Yes. Yeah. Yeah. Yeah.\n\nYeah. And that's I'm all good with that. So it still turned around, you know, just under 5% or whatever, which, yeah, like I said, isn't ideal, but it's still making $20, which is that's fine. Like, you know yeah. So, no, I'm okay with that.\n\nYeah. That's fine. Yes. Yeah. Yeah.\n\nYeah. Yeah. No. Thanks. No.\n\nI think that's that's okay because my my life insurance, everything is still all runs up through that and stuff as well, doesn't it? Yeah. Yeah. Perfect. Yes.\n\nProbably just cover a small portion of it will cover the last of the mortgage. But the rest would essentially be just for my my children just to be able like, it'll be a longevity kind of thing. So, you know, as the years have progressed, obviously, loans have gotten smaller, paid off less. We only have a small amount left on our home. All of our other properties are all owned outright.\n\nNo debt with our business. Yeah. So our second sense have changed slightly. Like, my husband's parents have both passed away in the last twelve months, so we've inherited. Yeah.\n\nNo. It's been a it's been a really a shit year, but that's okay. But we've inherited two properties from that. So our financial position has secured considerably, so there's no reason for me to have to up my life insurance. If anything, it's probably a little bit of overkill at the moment, but we'll just leave it there for the time being because shit happens in the cost of living.\n\nAnd I'm not quite sure a million dollars by quite what it used to. Somebody used to retire on a million dollars. Now you're like, if I want a million dollars on a lot, I'm probably still gonna have to work. Like yeah. So I'm happy to just kinda leave that there because as long as that's covered.\n\nBut it doesn't really need to go to anything as opposed to when I started. Like, there was obviously a lot of debt that needed to be covered or, you know, at least allowed for. So that policy is on top of in the event of death, on top of the super account as well, isn't it? Add it into Yeah. Okay.\n\nLockout is an income, essentially. Yeah. Yeah. Okay. So, technically, out of that million one point two five, that's probably only cleared just under a million.\n\nYeah. Okay. Yeah. Yeah. Okay.\n\nYeah. Okay. Yeah. Yeah. Yeah.\n\nSo yeah. Yeah. No. That's fine. So, yeah, definitely leave that there then in that point.\n\nYeah. Is there anything else that we need to cover, or is that pretty much? No. That's about right. I think it was a 102 or something.\n\nIt came in at on my tax file statement. So that's fine. If we have it around that, it'll hit this financial year might have to go a little bit higher, but, yeah, we'll just leave it at that for now. Yeah. Hello?\n\nSorry. I don't know what happened then. Sorry. My apologies. I don't know what happened.\n\nYeah. Could you possibly take it up to the threshold of the 135? Do you know how to look for it? Yeah. If we can take it up to the 135 because that's my goal is to get it to that one this year and then hopefully not go away because I don't wanna pay any more tax.\n\nBut yeah. So then if my income is a 135,000, then it'll be 75% of that, which will hit that 100,000, which will probably cover everything. Yeah. Yeah. Okay.\n\nYes. Perfect. That's Yep. Yeah. That's fine.\n\nEither a Monday afternoon or a Friday afternoon is fine. Yep. That's fine. No. It's fine.\n\nNo. That's okay. That's fine. Yep. Yep.\n\nYeah. Okay. Yep. That's fine. Half 1,000,000 h.\n\nYeah. That's about right. Yeah. It'll be about the same. I would say it's probably under 500.\n\nYeah. No. It's probably about the same. Yeah. This is probably probably about 70,000 now, share portfolio.\n\nYep. No. It's about the same. Yes. That's correct.\n\nYes. That is current. It was updated in September 2025. No. No.\n\nWe haven't built on either of those yet. Yeah. We the whole market with building is definitely not the right time for anything at the moment. Sorry. It's definitely reducing my work capacity.\n\nSo I I'll do a couple more years of, like, actual full time work before I semi semi retire. Yeah. So a bit more of a work life balance as opposed to just working until I'm 60 and then stopping work or 60 five or 67, whatever the government tells us was supposed to be working. Yes. Yeah.\n\nWe like, yeah. We we'll literally by the time I'm 50, I will be semi retired. And, yes, just working for enjoyment and funding holidays as opposed to working for yeah. Like, you know, at the moment, growth and paying, yeah, paying mortgages and stuff like that off. Like, it'll be slightly different.\n\nSo yeah. Because my kids are significantly older now as well. So I'll be in empty nest about the number 50. Yeah. So it changes the the amount of money that has to come in every week or every month.\n\nYeah. So happy to still take risks and work while we need to now. Like, that's pretty much the goal and clear all the debt, and then then we can reassess and decide what to do with all that disposable income that we have. Yes. Yep.\n\nI'm still doing that part time and doing other stuff part time, which is great for full time work. Yeah. Yeah. My husband has a business that yeah. Yeah.\n\nYep. So you'll reach out again once you've done some you've looked at the figures and things like that. Yeah. And you'll come back, and then we can go from there. Yeah.\n\nThat's gold. That's fine. Yep. So yeah. No worries.\n\nThank you. Oh, no. That's alright. Yeah. I'm doing kid pickup now.\n\nSo I'm like, I'm trying to have a conversation with my son in the car while listening to you at the same time. Yeah. No worries. So I need to sign that I need to sign that document that you've sent through. Yeah?\n\nSign that, and then you'll yeah. Yeah. Awesome. Cool. Thank you very much for your time.\n\nI appreciate that. Okay. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.03405183181166649},{"text":"I'm good.","start":5.7599998,"end":6.24,"sentiment":"positive","sentiment_score":0.5658492147922516},{"text":"Thank you.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.6393836140632629},{"text":"How are you?","start":6.64,"end":7.54,"sentiment":"positive","sentiment_score":0.3644176224867503},{"text":"Yeah.","start":13.785,"end":14.025,"sentiment":"neutral","sentiment_score":0.1804630011320114}],"sentiment":"positive","sentiment_score":0.4131370397905509,"num_words":9,"start":0.32,"end":14.025},{"sentences":[{"text":"That's fine.","start":14.025,"end":14.505,"sentiment":"neutral","sentiment_score":0.2859080582857132},{"text":"Thank you.","start":14.505,"end":15.245,"sentiment":"positive","sentiment_score":0.5034423172473907},{"text":"Busy.","start":20.505,"end":21.005,"sentiment":"neutral","sentiment_score":0.1885579228401184},{"text":"Yep.","start":28.380001,"end":28.880001,"sentiment":"neutral","sentiment_score":0.04843216761946678},{"text":"Yeah.","start":49.225,"end":49.385,"sentiment":"neutral","sentiment_score":0.0864582359790802}],"sentiment":"neutral","sentiment_score":0.2717355825006962,"num_words":7,"start":14.025,"end":49.385},{"sentences":[{"text":"That's fine.","start":49.385,"end":49.864998,"sentiment":"neutral","sentiment_score":0.13473882526159286},{"text":"I had a quick look at them before I jumped in the car.","start":49.864998,"end":52.445,"sentiment":"neutral","sentiment_score":0.05220599931020003},{"text":"Yeah.","start":53.670002,"end":53.91,"sentiment":"neutral","sentiment_score":0.07120546698570251},{"text":"So yeah.","start":53.91,"end":54.79,"sentiment":"neutral","sentiment_score":0.039796359837055206},{"text":"Not everything, but I've had a a quick client that had a couple of them.","start":54.79,"end":58.31,"sentiment":"neutral","sentiment_score":0.0033591545497377714}],"sentiment":"neutral","sentiment_score":0.03482851958974744,"num_words":33,"start":49.385,"end":58.31},{"sentences":[{"text":"So, yeah, I've got a bit of a rough idea.","start":58.31,"end":60.73,"sentiment":"neutral","sentiment_score":-0.08541646893136204},{"text":"Yeah.","start":72.445,"end":72.685,"sentiment":"neutral","sentiment_score":0.06530335545539856},{"text":"That's fine.","start":72.685,"end":73.325005,"sentiment":"neutral","sentiment_score":0.07200376503169537},{"text":"Thank you.","start":73.325005,"end":74.065,"sentiment":"neutral","sentiment_score":0.18045540153980255},{"text":"Samantha k Brenthouse.","start":82.4,"end":83.62,"sentiment":"neutral","sentiment_score":0.028493038689096768}],"sentiment":"neutral","sentiment_score":-0.011025771369329758,"num_words":18,"start":58.31,"end":83.62},{"sentences":[{"text":"My date of birth is twenty third of the fourth nineteen eighty one, and my address is 55 Ollieanda Drive, Youngerboro 4884.","start":83.840004,"end":90.58,"sentiment":"neutral","sentiment_score":0.05262414095076648},{"text":"Yeah.","start":104.715004,"end":105.19501,"sentiment":"neutral","sentiment_score":-0.0018158257007598877},{"text":"Because in my head, I'd kinda probably worked out that I should've been sitting.","start":105.19501,"end":109.455,"sentiment":"neutral","sentiment_score":-0.1171526839690549},{"text":"I'd anticipated it'd be closer to the $400,000 mark for where it should be sitting, but, obviously, it has not landed there.","start":109.700005,"end":119.060005,"sentiment":"neutral","sentiment_score":-0.19669119810516184},{"text":"So whether I kind of have been calculated stuff or not.","start":119.060005,"end":122.42,"sentiment":"neutral","sentiment_score":-0.1401692439209331}],"sentiment":"neutral","sentiment_score":-0.09076129059706416,"num_words":70,"start":83.840004,"end":122.42},{"sentences":[{"text":"So, yeah, I'm intrigued because it feels like my husband's portfolio is far catching up to mine, and I had a significant jump in front of his.","start":122.42,"end":132.275,"sentiment":"neutral","sentiment_score":0.08369257204510548},{"text":"So, yeah, I'm just I'm querying kind of because it was making quite good traction there for a while, and it seems to I don't know.","start":132.655,"end":140.53001,"sentiment":"neutral","sentiment_score":-0.04376865131780505},{"text":"Maybe flunked a little bit.","start":140.67001,"end":141.95001,"sentiment":"neutral","sentiment_score":-0.2260173738002777},{"text":"So definitely looking at that.","start":141.95001,"end":144.77,"sentiment":"neutral","sentiment_score":-0.0453665129840374},{"text":"Yeah.","start":146.19,"end":146.69,"sentiment":"neutral","sentiment_score":0.11397260427474976}],"sentiment":"neutral","sentiment_score":-0.001894254979561083,"num_words":64,"start":122.42,"end":146.69},{"sentences":[{"text":"Oh, okay.","start":159.245,"end":159.64499,"sentiment":"neutral","sentiment_score":-0.055924639105796814},{"text":"So it must have been lower than I thought.","start":159.64499,"end":161.325,"sentiment":"neutral","sentiment_score":-0.21474970049328274},{"text":"Yeah.","start":161.325,"end":161.64499,"sentiment":"neutral","sentiment_score":-0.046631380915641785},{"text":"Okay.","start":161.64499,"end":162.045,"sentiment":"neutral","sentiment_score":0.00312759168446064},{"text":"Alright.","start":162.045,"end":162.545,"sentiment":"neutral","sentiment_score":0.07900604605674744}],"sentiment":"neutral","sentiment_score":-0.14350673755896942,"num_words":14,"start":159.245,"end":162.545},{"sentences":[{"text":"Sorry.","start":188.485,"end":188.72499,"sentiment":"neutral","sentiment_score":-0.04231281578540802},{"text":"Can I just stop you there for a minute?","start":188.72499,"end":190.42499,"sentiment":"neutral","sentiment_score":-0.051106571323341794},{"text":"Sorry.","start":190.805,"end":191.28499,"sentiment":"neutral","sentiment_score":-0.02565891295671463},{"text":"What's my balance at the moment?","start":191.28499,"end":192.985,"sentiment":"neutral","sentiment_score":0.0029296926222741604},{"text":"Okay.","start":199.41,"end":199.73,"sentiment":"neutral","sentiment_score":-0.0012930873781442642}],"sentiment":"neutral","sentiment_score":-0.028424766794261005,"num_words":18,"start":188.485,"end":199.73},{"sentences":[{"text":"Sorry.","start":199.73,"end":199.97,"sentiment":"neutral","sentiment_score":-0.0391879603266716},{"text":"I thought you said and then I thought you said 317, and I was like, oh, should I just better double check that?","start":199.97,"end":206.13,"sentiment":"neutral","sentiment_score":-0.07148261918969777},{"text":"No.","start":206.13,"end":206.37,"sentiment":"neutral","sentiment_score":-0.0985044315457344},{"text":"That okay.","start":206.37,"end":206.93,"sentiment":"neutral","sentiment_score":-0.03348289895802736},{"text":"So that's then performed better than I thought because I thought it was closer to, like, the $3.30.","start":206.93,"end":212.585,"sentiment":"neutral","sentiment_score":-0.1273774653673172}],"sentiment":"neutral","sentiment_score":-0.09203450683918264,"num_words":45,"start":199.73,"end":212.585},{"sentences":[{"text":"But yeah.","start":214.005,"end":214.485,"sentiment":"neutral","sentiment_score":-0.036734575405716896},{"text":"No.","start":214.485,"end":214.645,"sentiment":"neutral","sentiment_score":-0.04436014965176582},{"text":"That's cool.","start":214.645,"end":215.125,"sentiment":"neutral","sentiment_score":0.13529681414365768},{"text":"So it's at three seventy.","start":215.125,"end":216.425,"sentiment":"neutral","sentiment_score":0.07912365049123764},{"text":"It's at seventy seven.","start":216.485,"end":217.685,"sentiment":"neutral","sentiment_score":0.05655201803892851}],"sentiment":"neutral","sentiment_score":0.055327903745429854,"num_words":14,"start":214.005,"end":217.685},{"sentences":[{"text":"Okay.","start":217.685,"end":218.005,"sentiment":"neutral","sentiment_score":0.16166381537914276},{"text":"Perfect.","start":218.005,"end":218.505,"sentiment":"positive","sentiment_score":0.348574161529541},{"text":"Yep.","start":218.565,"end":219.065,"sentiment":"neutral","sentiment_score":0.05794338136911392},{"text":"Yep.","start":221.685,"end":222.185,"sentiment":"neutral","sentiment_score":-0.029626641422510147},{"text":"No.","start":222.86,"end":223.02,"sentiment":"neutral","sentiment_score":-0.15638701617717743}],"sentiment":"neutral","sentiment_score":0.07643354013562202,"num_words":5,"start":217.685,"end":223.02},{"sentences":[{"text":"No.","start":223.02,"end":223.18,"sentiment":"neutral","sentiment_score":-0.16538619995117188},{"text":"That's alright.","start":223.18,"end":223.74,"sentiment":"neutral","sentiment_score":-0.07806728780269623},{"text":"No.","start":223.74,"end":223.9,"sentiment":"neutral","sentiment_score":-0.13096025586128235},{"text":"It's I'm in a bad network area as well, and it's Telstra.","start":223.9,"end":227.92,"sentiment":"neutral","sentiment_score":-0.19642044107119241},{"text":"So Yes.","start":228.06,"end":249.075,"sentiment":"neutral","sentiment_score":0.019652964547276497}],"sentiment":"neutral","sentiment_score":-0.15390113306542239,"num_words":18,"start":223.02,"end":249.075},{"sentences":[{"text":"Yes.","start":263.85,"end":264.35,"sentiment":"neutral","sentiment_score":-0.08558392524719238},{"text":"Yeah.","start":275.58502,"end":276.08502,"sentiment":"neutral","sentiment_score":-0.18963740766048431},{"text":"Yep.","start":314.69998,"end":315.19998,"sentiment":"neutral","sentiment_score":0.2791391611099243},{"text":"Yeah.","start":333.515,"end":334.015,"sentiment":"neutral","sentiment_score":0.30962932109832764},{"text":"Yeah.","start":350.49,"end":350.72998,"sentiment":"neutral","sentiment_score":0.1072494089603424}],"sentiment":"neutral","sentiment_score":0.08415931165218353,"num_words":5,"start":263.85,"end":350.72998},{"sentences":[{"text":"Okay.","start":350.72998,"end":351.22998,"sentiment":"neutral","sentiment_score":0.09477048367261888},{"text":"Yeah.","start":359.155,"end":359.655,"sentiment":"neutral","sentiment_score":0.2426457405090332},{"text":"Yeah.","start":368.96997,"end":369.46997,"sentiment":"neutral","sentiment_score":0.12497562170028688},{"text":"Yeah.","start":370.72998,"end":371.22998,"sentiment":"neutral","sentiment_score":0.005006216466426849},{"text":"Yeah.","start":371.61,"end":372.11,"sentiment":"neutral","sentiment_score":-0.10360337793827055}],"sentiment":"neutral","sentiment_score":0.07275893688201904,"num_words":5,"start":350.72998,"end":372.11},{"sentences":[{"text":"Yeah.","start":376.65,"end":377.15,"sentiment":"neutral","sentiment_score":-0.21298901736736295},{"text":"Yeah.","start":390.585,"end":391.085,"sentiment":"neutral","sentiment_score":0.0748298242688179},{"text":"Yes.","start":424.27002,"end":424.77002,"sentiment":"neutral","sentiment_score":0.21245361864566803},{"text":"Yeah.","start":453.86,"end":454.1,"sentiment":"neutral","sentiment_score":0.12247980386018752},{"text":"So that's that's not my contributions as well as that.","start":454.1,"end":457.14,"sentiment":"neutral","sentiment_score":0.010046793706715107}],"sentiment":"neutral","sentiment_score":0.021231583319604397,"num_words":14,"start":376.65,"end":457.14},{"sentences":[{"text":"That's just the investment.","start":457.14,"end":458.36,"sentiment":"neutral","sentiment_score":-0.004161390475928783},{"text":"So yes.","start":460.25,"end":461.4,"sentiment":"neutral","sentiment_score":0.13015763089060783},{"text":"Yeah.","start":465.435,"end":465.835,"sentiment":"neutral","sentiment_score":0.100087508559227},{"text":"Yep.","start":465.835,"end":466.335,"sentiment":"neutral","sentiment_score":0.07089944928884506},{"text":"Yeah.","start":471.355,"end":471.855,"sentiment":"neutral","sentiment_score":-0.01074068248271942}],"sentiment":"neutral","sentiment_score":0.04487955280476146,"num_words":9,"start":457.14,"end":471.855},{"sentences":[{"text":"Yeah.","start":474.155,"end":474.655,"sentiment":"neutral","sentiment_score":-0.014383031986653805},{"text":"No.","start":475.115,"end":475.435,"sentiment":"neutral","sentiment_score":-0.09820009768009186},{"text":"I'm I guess from my perspective is I really was kind of in my head, I was hoping that it was gonna hit that.","start":475.435,"end":483.22998,"sentiment":"neutral","sentiment_score":-0.09801851849382122},{"text":"And I imagine if it had it had the 10% or closer to the 10% or even 8% interest, it would have hit that 400,000 mark a little bit closer.","start":483.22998,"end":493.375,"sentiment":"neutral","sentiment_score":-0.03193467184901237},{"text":"Because, essentially, once I get over that the whole thing with compounding interest is once I get over that $400,000 mark, it's gonna start growing exponentially whether I'm putting a lot of extra contributions into it or not.","start":494.475,"end":508.94,"sentiment":"neutral","sentiment_score":0.0864976423939592}],"sentiment":"neutral","sentiment_score":-0.0014484821065784768,"num_words":94,"start":474.155,"end":508.94},{"sentences":[{"text":"Do you know what I mean?","start":509.64,"end":510.6,"sentiment":"neutral","sentiment_score":0.018356906715780497},{"text":"Like so if I've got a 400 thousand dollar portfolio, I am making, you know, eight to 10%, I'm getting $40 in growth every year.","start":510.6,"end":519.765,"sentiment":"neutral","sentiment_score":0.06376700535416603},{"text":"Ten years, that's 400,000.","start":519.765,"end":521.445,"sentiment":"neutral","sentiment_score":-0.028017213102430105},{"text":"Like so I was kind of that that was in my head.","start":521.445,"end":524.64496,"sentiment":"neutral","sentiment_score":-0.0752771742021044},{"text":"I was kinda like, fuck.","start":524.64496,"end":525.685,"sentiment":"neutral","sentiment_score":-0.2864162266254425}],"sentiment":"neutral","sentiment_score":-0.014291528881026002,"num_words":52,"start":509.64,"end":525.685},{"sentences":[{"text":"Alright.","start":525.685,"end":526.005,"sentiment":"neutral","sentiment_score":-0.15072274208068848},{"text":"I was really hoping it was gonna nail that for me.","start":526.005,"end":530.17004,"sentiment":"neutral","sentiment_score":-0.13259394737807187},{"text":"Yeah.","start":531.11005,"end":531.43005,"sentiment":"neutral","sentiment_score":-0.01816370338201523},{"text":"So I just I had a couple of good years, obviously, once I moved over to you guys, but then there's definitely been a couple of not so great ones, which, like I said, I've been like, shit.","start":531.43005,"end":540.57,"sentiment":"neutral","sentiment_score":-0.07584804414134276},{"text":"Yeah.","start":541.91003,"end":542.41003,"sentiment":"neutral","sentiment_score":-0.007250186055898666}],"sentiment":"neutral","sentiment_score":-0.08686337942400804,"num_words":52,"start":525.685,"end":542.41003},{"sentences":[{"text":"Yeah.","start":549.71497,"end":550.21497,"sentiment":"neutral","sentiment_score":-0.27912992238998413},{"text":"Yeah.","start":552.355,"end":552.855,"sentiment":"neutral","sentiment_score":0.1145683228969574},{"text":"Yeah.","start":577.015,"end":577.515,"sentiment":"neutral","sentiment_score":0.10312967002391817},{"text":"Yeah.","start":579.655,"end":580.05505,"sentiment":"neutral","sentiment_score":0.09238986670970915},{"text":"I'm I'm completely open to that.","start":580.05505,"end":582.155,"sentiment":"neutral","sentiment_score":0.08431717691322167}],"sentiment":"neutral","sentiment_score":0.05368609987199306,"num_words":10,"start":549.71497,"end":582.155},{"sentences":[{"text":"Yeah.","start":582.695,"end":583.015,"sentiment":"neutral","sentiment_score":0.157890647649765},{"text":"Like I said, because it's not it's got a decent amount of money in it.","start":583.015,"end":587.14,"sentiment":"neutral","sentiment_score":0.23127348373333614},{"text":"You know?","start":587.14,"end":587.54,"sentiment":"neutral","sentiment_score":0.015062124468386173},{"text":"Like, for for my age, it's not you know, I would expect them, you know, if I, you know, bid it out with that.","start":587.54,"end":597.54,"sentiment":"neutral","sentiment_score":0.059320316494752966},{"text":"But it's I still have pretty decent portfolio.","start":597.54,"end":599.865,"sentiment":"positive","sentiment_score":0.4629770591855049}],"sentiment":"neutral","sentiment_score":0.1756924244388938,"num_words":50,"start":582.695,"end":599.865},{"sentences":[{"text":"Do you know what I mean?","start":599.865,"end":601.005,"sentiment":"neutral","sentiment_score":0.1432151993115743},{"text":"Like, pretty close to 400 thousand with, on paper, potentially twenty years of work and earning potential, which I'm probably not gonna stick out that long.","start":601.22504,"end":610.66504,"sentiment":"neutral","sentiment_score":0.061093524671517886},{"text":"But do you know what I mean?","start":610.66504,"end":612.42505,"sentiment":"neutral","sentiment_score":-0.060300199048859734},{"text":"Like, if so, from a working perspective, technically, on paper, it looks like I'm just over halfway through my working life.","start":612.42505,"end":619.03,"sentiment":"neutral","sentiment_score":0.021313108415121122},{"text":"You know?","start":621.09,"end":621.65,"sentiment":"neutral","sentiment_score":0.1595843955874443}],"sentiment":"neutral","sentiment_score":0.045038153417408466,"num_words":62,"start":599.865,"end":621.65},{"sentences":[{"text":"Like, I was like I said to myself, and I'm like, it it seems pretty decent.","start":621.65,"end":625.51,"sentiment":"neutral","sentiment_score":0.3229792732745409},{"text":"Like, I was like, if I get to that 400,000 mark, I'm like, I'd be pretty happy.","start":625.57,"end":630.03503,"sentiment":"neutral","sentiment_score":0.321009742863038},{"text":"Like yeah.","start":630.255,"end":633.075,"sentiment":"neutral","sentiment_score":-0.05449703335762024},{"text":"So because like I said, it will just you know, it's always like that first 100,000 is always really hard to make, and then that first million is really hard to make.","start":633.215,"end":641.375,"sentiment":"neutral","sentiment_score":-0.2542300862260163},{"text":"And Yes.","start":641.375,"end":656.755,"sentiment":"neutral","sentiment_score":0.1724652796983719}],"sentiment":"neutral","sentiment_score":0.03949866281903308,"num_words":69,"start":621.65,"end":656.755},{"sentences":[{"text":"Yeah.","start":671.37,"end":671.87,"sentiment":"neutral","sentiment_score":0.2265588939189911},{"text":"Yeah.","start":682.25,"end":682.5,"sentiment":"neutral","sentiment_score":0.048339731991291046},{"text":"Yeah.","start":682.5,"end":683.0,"sentiment":"neutral","sentiment_score":0.011159194633364676},{"text":"Yeah.","start":689.77496,"end":690.015,"sentiment":"neutral","sentiment_score":-0.060630135238170624},{"text":"And that's that's one of those things that it just 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happy to and I'm still working fairly consistently.","start":711.16003,"end":722.46497,"sentiment":"neutral","sentiment_score":0.22751518165071805},{"text":"I want to keep making as many gains as I can so that when I kind of walk into that 50 and my work is less, I'm obviously not gonna be making as many contributions.","start":723.485,"end":734.71,"sentiment":"neutral","sentiment_score":0.07062124421686998},{"text":"But I want that portfolio to maybe not have as much high volatility, maybe just pay it back a little bit, but just keep ticking over.","start":736.69,"end":745.335,"sentiment":"neutral","sentiment_score":0.09923571147597753},{"text":"Like, just the money that's in the bank is just, you know so like I said, you know, if I'm getting 8% or whatever it is on, you know, 400,000, in the ten years from 50 to 60, it's, you know, doubling my money essentially for me.","start":745.55505,"end":760.02,"sentiment":"neutral","sentiment_score":0.19898671720256197},{"text":"So yeah.","start":760.02,"end":763.64996,"sentiment":"neutral","sentiment_score":0.1217859722673893}],"sentiment":"neutral","sentiment_score":0.15338053677530428,"num_words":140,"start":711.16003,"end":763.64996},{"sentences":[{"text":"Yeah.","start":770.45496,"end":770.95496,"sentiment":"neutral","sentiment_score":0.01134876161813736},{"text":"Yeah.","start":781.575,"end":782.075,"sentiment":"neutral","sentiment_score":0.17413237690925598},{"text":"Yeah.","start":785.26,"end":785.76,"sentiment":"neutral","sentiment_score":0.11923811584711076},{"text":"Yeah.","start":798.835,"end":799.335,"sentiment":"neutral","sentiment_score":0.05026952922344208},{"text":"Yeah.","start":800.835,"end":801.335,"sentiment":"neutral","sentiment_score":0.06437630206346512}],"sentiment":"neutral","sentiment_score":0.08387301713228226,"num_words":5,"start":770.45496,"end":801.335},{"sentences":[{"text":"Yeah.","start":810.8,"end":811.2,"sentiment":"neutral","sentiment_score":0.06407300382852554},{"text":"I'm I'm okay with that.","start":811.2,"end":812.74,"sentiment":"neutral","sentiment_score":0.1952228218317032},{"text":"Yeah.","start":812.8,"end":813.3,"sentiment":"neutral","sentiment_score":0.14192986488342285},{"text":"Yep.","start":813.6,"end":814.1,"sentiment":"neutral","sentiment_score":0.17862848937511444},{"text":"Yeah.","start":818.88,"end":819.2,"sentiment":"neutral","sentiment_score":0.19472636282444}],"sentiment":"neutral","sentiment_score":0.1728302033411132,"num_words":9,"start":810.8,"end":819.2},{"sentences":[{"text":"Just because I'm like I said, I'm still in my, like, my earning capacity.","start":819.2,"end":823.78503,"sentiment":"neutral","sentiment_score":0.11758451110550336},{"text":"Like, I'm still, you know, contributing to my super, still getting paid super, those kind of things.","start":824.325,"end":829.54504,"sentiment":"neutral","sentiment_score":0.1204552939709495},{"text":"So while that money is going in there to kind of offset some of that risk, like, yeah, I'm happy.","start":830.005,"end":836.005,"sentiment":"neutral","sentiment_score":0.06294650873169302},{"text":"And I, you know, I don't need to access the that's the other bit.","start":836.005,"end":839.14996,"sentiment":"neutral","sentiment_score":-0.047664712582315714},{"text":"Like, obviously, I can't access it now anyway, even if I wanted to.","start":839.14996,"end":842.85,"sentiment":"neutral","sentiment_score":-0.11265936436561438}],"sentiment":"neutral","sentiment_score":0.03616635403476465,"num_words":78,"start":819.2,"end":842.85},{"sentences":[{"text":"Do you know what I mean?","start":843.39,"end":844.19,"sentiment":"neutral","sentiment_score":-0.02907609846442938},{"text":"Like, I'm not I'm not 55, approaching 60.","start":844.19,"end":847.39,"sentiment":"neutral","sentiment_score":-0.037714081816375256},{"text":"I still got that time up my place to recuperate.","start":847.39,"end":850.05,"sentiment":"neutral","sentiment_score":0.004296739771962166},{"text":"So I'm I'm okay with that that risk at the 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that's I'm all good with that.","start":998.235,"end":999.915,"sentiment":"positive","sentiment_score":0.42455669811793734},{"text":"So it still turned around, you know, just under 5% or whatever, which, yeah, like I said, isn't ideal, but it's still making $20, which is that's fine.","start":999.915,"end":1011.31995,"sentiment":"neutral","sentiment_score":0.097678475680628},{"text":"Like, you know yeah.","start":1011.38,"end":1014.27997,"sentiment":"neutral","sentiment_score":0.1123721394687891},{"text":"So, no, I'm okay with that.","start":1014.81995,"end":1017.0,"sentiment":"neutral","sentiment_score":0.15517450030893087}],"sentiment":"neutral","sentiment_score":0.15677040143181448,"num_words":46,"start":997.835,"end":1017.0},{"sentences":[{"text":"Yeah.","start":1017.13995,"end":1017.62,"sentiment":"neutral","sentiment_score":0.20488512516021729},{"text":"That's 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think that's that's okay because my my life insurance, everything is still all runs up through that and stuff as well, doesn't it?","start":1085.035,"end":1092.96,"sentiment":"neutral","sentiment_score":0.02511509011189143},{"text":"Yeah.","start":1093.12,"end":1093.44,"sentiment":"neutral","sentiment_score":0.07727299630641937},{"text":"Yeah.","start":1093.44,"end":1093.69,"sentiment":"neutral","sentiment_score":0.16224931180477142},{"text":"Perfect.","start":1093.69,"end":1094.19,"sentiment":"positive","sentiment_score":0.33537793159484863},{"text":"Yes.","start":1106.9349,"end":1107.4349,"sentiment":"neutral","sentiment_score":0.06792512536048889}],"sentiment":"neutral","sentiment_score":0.04448526884828295,"num_words":28,"start":1085.035,"end":1107.4349},{"sentences":[{"text":"Probably just cover a small portion of it will cover the last of the mortgage.","start":1118.3601,"end":1122.54,"sentiment":"neutral","sentiment_score":0.22054619590441385},{"text":"But the rest would essentially be just for my my children just to be able like, it'll be a longevity kind of thing.","start":1124.8401,"end":1133.9451,"sentiment":"positive","sentiment_score":0.5158979607665021},{"text":"So, you know, as the years have progressed, obviously, loans have gotten smaller, paid off less.","start":1133.9451,"end":1139.9451,"sentiment":"neutral","sentiment_score":0.13286911230534315},{"text":"We only have a small amount left on our home.","start":1139.9451,"end":1142.2051,"sentiment":"neutral","sentiment_score":0.11723768413066864},{"text":"All of our other properties are all owned outright.","start":1142.665,"end":1144.925,"sentiment":"neutral","sentiment_score":0.15685591556959683}],"sentiment":"neutral","sentiment_score":0.27238125910293565,"num_words":73,"start":1118.3601,"end":1144.925},{"sentences":[{"text":"No debt with our 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for now.","start":1372.78,"end":1380.8,"sentiment":"neutral","sentiment_score":-0.10630191245983386},{"text":"Yeah.","start":1382.54,"end":1383.04,"sentiment":"neutral","sentiment_score":-0.00737459771335125},{"text":"Hello?","start":1413.3,"end":1413.8,"sentiment":"neutral","sentiment_score":-0.01035208161920309}],"sentiment":"neutral","sentiment_score":-0.07733937840215689,"num_words":43,"start":1367.335,"end":1413.8},{"sentences":[{"text":"Sorry.","start":1416.5249,"end":1416.845,"sentiment":"neutral","sentiment_score":-0.1855799704790115},{"text":"I don't know what happened then.","start":1416.845,"end":1418.0449,"sentiment":"neutral","sentiment_score":-0.22548841436704},{"text":"Sorry.","start":1418.0449,"end":1418.365,"sentiment":"neutral","sentiment_score":-0.15897300839424133},{"text":"My apologies.","start":1418.365,"end":1418.9249,"sentiment":"neutral","sentiment_score":-0.21345535665750504},{"text":"I don't know what happened.","start":1418.9249,"end":1419.985,"sentiment":"neutral","sentiment_score":-0.2235951006412506}],"sentiment":"neutral","sentiment_score":-0.21615797877311707,"num_words":15,"start":1416.5249,"end":1419.985},{"sentences":[{"text":"Yeah.","start":1420.765,"end":1421.265,"sentiment":"neutral","sentiment_score":0.08350979536771774},{"text":"Could you possibly take it up to the threshold of the 135?","start":1455.5299,"end":1459.3099,"sentiment":"neutral","sentiment_score":-0.015541662772496542},{"text":"Do you know how to look for it?","start":1460.97,"end":1462.4299,"sentiment":"neutral","sentiment_score":-0.009887467371299863},{"text":"Yeah.","start":1463.13,"end":1463.45,"sentiment":"neutral","sentiment_score":0.002493469975888729},{"text":"If we can take it up to the 135 because that's my goal is to get it to that one this year and then hopefully not go away because I don't wanna pay any more tax.","start":1463.45,"end":1471.0449,"sentiment":"neutral","sentiment_score":0.0533891748636961}],"sentiment":"neutral","sentiment_score":0.030041618417177736,"num_words":58,"start":1420.765,"end":1471.0449},{"sentences":[{"text":"But yeah.","start":1471.0449,"end":1472.245,"sentiment":"neutral","sentiment_score":0.08686705306172371},{"text":"So then if my income is a 135,000, then it'll be 75% of that, which will hit that 100,000, which will probably cover everything.","start":1472.245,"end":1481.625,"sentiment":"neutral","sentiment_score":0.12196081690490246},{"text":"Yeah.","start":1481.6849,"end":1482.15,"sentiment":"neutral","sentiment_score":0.10262411832809448},{"text":"Yeah.","start":1486.9501,"end":1487.35,"sentiment":"neutral","sentiment_score":0.05661359429359436},{"text":"Okay.","start":1487.35,"end":1487.85,"sentiment":"neutral","sentiment_score":0.07339935004711151}],"sentiment":"neutral","sentiment_score":0.11494588877620368,"num_words":29,"start":1471.0449,"end":1487.85},{"sentences":[{"text":"Yes.","start":1501.135,"end":1501.4551,"sentiment":"neutral","sentiment_score":0.3162669539451599},{"text":"Perfect.","start":1501.4551,"end":1501.9551,"sentiment":"positive","sentiment_score":0.5864449739456177},{"text":"That's Yep.","start":1502.0951,"end":1507.9551,"sentiment":"positive","sentiment_score":0.381903313100338},{"text":"Yeah.","start":1526.2451,"end":1526.405,"sentiment":"neutral","sentiment_score":0.07126481831073761},{"text":"That's fine.","start":1526.405,"end":1527.145,"sentiment":"neutral","sentiment_score":0.10739187523722649}],"sentiment":"neutral","sentiment_score":0.27893816041094915,"num_words":7,"start":1501.135,"end":1527.145},{"sentences":[{"text":"Either a Monday afternoon or a Friday afternoon is fine.","start":1527.2051,"end":1530.265,"sentiment":"neutral","sentiment_score":0.08806341588497162},{"text":"Yep.","start":1535.6051,"end":1535.8451,"sentiment":"neutral","sentiment_score":0.04807206988334656},{"text":"That's fine.","start":1535.8451,"end":1536.5851,"sentiment":"neutral","sentiment_score":0.07422129064798355},{"text":"No.","start":1539.4299,"end":1539.75,"sentiment":"neutral","sentiment_score":-0.06380554288625717},{"text":"It's fine.","start":1539.75,"end":1540.6499,"sentiment":"neutral","sentiment_score":-0.021947776898741722}],"sentiment":"neutral","sentiment_score":0.06059048208408058,"num_words":16,"start":1527.2051,"end":1540.6499},{"sentences":[{"text":"No.","start":1540.71,"end":1540.95,"sentiment":"neutral","sentiment_score":-0.0000525154173374176},{"text":"That's okay.","start":1540.95,"end":1541.5099,"sentiment":"neutral","sentiment_score":0.09040757268667221},{"text":"That's fine.","start":1541.5099,"end":1542.6399,"sentiment":"neutral","sentiment_score":0.1711069941520691},{"text":"Yep.","start":1542.6399,"end":1543.1399,"sentiment":"neutral","sentiment_score":0.19752053916454315},{"text":"Yep.","start":1564.545,"end":1565.045,"sentiment":"neutral","sentiment_score":0.014364591799676418}],"sentiment":"neutral","sentiment_score":0.10498024988919497,"num_words":7,"start":1540.71,"end":1565.045},{"sentences":[{"text":"Yeah.","start":1565.745,"end":1566.245,"sentiment":"neutral","sentiment_score":0.10977871716022491},{"text":"Okay.","start":1566.305,"end":1566.805,"sentiment":"neutral","sentiment_score":0.16506901383399963},{"text":"Yep.","start":1566.865,"end":1567.105,"sentiment":"neutral","sentiment_score":0.24629049003124237},{"text":"That's fine.","start":1567.105,"end":1567.925,"sentiment":"positive","sentiment_score":0.3774649351835251},{"text":"Half 1,000,000 h.","start":1583.745,"end":1585.445,"sentiment":"neutral","sentiment_score":-0.0017284811280357342}],"sentiment":"neutral","sentiment_score":0.15886033100105124,"num_words":8,"start":1565.745,"end":1585.445},{"sentences":[{"text":"Yeah.","start":1597.97,"end":1598.29,"sentiment":"neutral","sentiment_score":-0.014577163383364676},{"text":"That's about right.","start":1598.29,"end":1599.35,"sentiment":"neutral","sentiment_score":-0.017573538857201736},{"text":"Yeah.","start":1601.65,"end":1601.89,"sentiment":"neutral","sentiment_score":0.0011148126795887947},{"text":"It'll be about the same.","start":1601.89,"end":1603.11,"sentiment":"neutral","sentiment_score":-0.007475928589701653},{"text":"I would say it's probably under 500.","start":1611.235,"end":1613.975,"sentiment":"neutral","sentiment_score":-0.030184099450707436}],"sentiment":"neutral","sentiment_score":-0.018520665081108317,"num_words":17,"start":1597.97,"end":1613.975},{"sentences":[{"text":"Yeah.","start":1625.42,"end":1625.66,"sentiment":"neutral","sentiment_score":0.00453619658946991},{"text":"No.","start":1625.66,"end":1625.82,"sentiment":"neutral","sentiment_score":-0.03235297650098801},{"text":"It's probably about the same.","start":1625.82,"end":1627.04,"sentiment":"neutral","sentiment_score":-0.03698976226150989},{"text":"Yeah.","start":1637.02,"end":1637.52,"sentiment":"neutral","sentiment_score":0.009192617610096931},{"text":"This is probably probably about 70,000 now, share portfolio.","start":1637.58,"end":1644.9349,"sentiment":"neutral","sentiment_score":0.011460374005966716}],"sentiment":"neutral","sentiment_score":-0.005907623973839423,"num_words":17,"start":1625.42,"end":1644.9349},{"sentences":[{"text":"Yep.","start":1654.595,"end":1655.095,"sentiment":"neutral","sentiment_score":0.007959699258208275},{"text":"No.","start":1659.2999,"end":1659.5399,"sentiment":"neutral","sentiment_score":-0.06978106498718262},{"text":"It's about the same.","start":1659.5399,"end":1660.6,"sentiment":"neutral","sentiment_score":-0.04678611643612385},{"text":"Yes.","start":1675.875,"end":1676.195,"sentiment":"neutral","sentiment_score":0.05877688527107239},{"text":"That's correct.","start":1676.195,"end":1677.015,"sentiment":"neutral","sentiment_score":0.0868653655052185}],"sentiment":"neutral","sentiment_score":-0.0018286905768844816,"num_words":9,"start":1654.595,"end":1677.015},{"sentences":[{"text":"Yes.","start":1686.4601,"end":1686.8601,"sentiment":"neutral","sentiment_score":0.04941852390766144},{"text":"That is current.","start":1686.8601,"end":1687.8401,"sentiment":"neutral","sentiment_score":0.05061578005552292},{"text":"It was updated in September 2025.","start":1688.38,"end":1691.4401,"sentiment":"neutral","sentiment_score":0.05268614925444126},{"text":"No.","start":1702.235,"end":1702.735,"sentiment":"neutral","sentiment_score":0.09087041020393372},{"text":"No.","start":1712.09,"end":1712.25,"sentiment":"neutral","sentiment_score":-0.18063759803771973}],"sentiment":"neutral","sentiment_score":0.03563463098059098,"num_words":12,"start":1686.4601,"end":1712.25},{"sentences":[{"text":"We haven't built on either of those yet.","start":1712.25,"end":1714.35,"sentiment":"neutral","sentiment_score":-0.16517101414501667},{"text":"Yeah.","start":1714.6499,"end":1714.97,"sentiment":"neutral","sentiment_score":-0.05453488975763321},{"text":"We the whole market with building is definitely not the right time for anything at the moment.","start":1714.97,"end":1720.6699,"sentiment":"negative","sentiment_score":-0.43214407322161336},{"text":"Sorry.","start":1722.1849,"end":1722.6849,"sentiment":"neutral","sentiment_score":-0.22153757512569427},{"text":"It's definitely reducing my work capacity.","start":1744.52,"end":1749.1,"sentiment":"negative","sentiment_score":-0.5705981453259786}],"sentiment":"negative","sentiment_score":-0.3747720816595988,"num_words":33,"start":1712.25,"end":1749.1},{"sentences":[{"text":"So I I'll do a couple more years of, like, actual full time work before I semi semi retire.","start":1750.505,"end":1761.465,"sentiment":"neutral","sentiment_score":-0.06322051467079866},{"text":"Yeah.","start":1761.465,"end":1761.865,"sentiment":"neutral","sentiment_score":0.12786349654197693},{"text":"So a bit more of a work life balance as opposed to just working until I'm 60 and then stopping work or 60 five or 67, whatever the government tells us was supposed to be working.","start":1761.865,"end":1773.99,"sentiment":"neutral","sentiment_score":0.026574184652417898},{"text":"Yes.","start":1775.73,"end":1776.23,"sentiment":"neutral","sentiment_score":0.16715656220912933},{"text":"Yeah.","start":1782.195,"end":1782.595,"sentiment":"neutral","sentiment_score":0.10227395594120026}],"sentiment":"neutral","sentiment_score":0.0026340497143823526,"num_words":58,"start":1750.505,"end":1782.595},{"sentences":[{"text":"We like, yeah.","start":1782.595,"end":1783.715,"sentiment":"neutral","sentiment_score":0.13386337459087372},{"text":"We we'll literally by the time I'm 50, I will be semi retired.","start":1783.715,"end":1787.495,"sentiment":"neutral","sentiment_score":0.12501460199172681},{"text":"And, yes, just working for enjoyment and funding holidays as opposed to working for yeah.","start":1789.635,"end":1799.18,"sentiment":"neutral","sentiment_score":0.1339141602317492},{"text":"Like, you know, at the moment, growth and paying, yeah, paying mortgages and stuff like that off.","start":1799.24,"end":1803.7201,"sentiment":"neutral","sentiment_score":-0.009769897031433442},{"text":"Like, it'll be slightly different.","start":1803.7201,"end":1805.16,"sentiment":"neutral","sentiment_score":-0.03165015466511249}],"sentiment":"neutral","sentiment_score":0.07002176094870523,"num_words":53,"start":1782.595,"end":1805.16},{"sentences":[{"text":"So yeah.","start":1805.16,"end":1806.8401,"sentiment":"neutral","sentiment_score":-0.006483027711510658},{"text":"Because my kids are significantly older now as well.","start":1806.8401,"end":1810.745,"sentiment":"neutral","sentiment_score":-0.044054675847291946},{"text":"So I'll be in empty nest about the number 50.","start":1810.885,"end":1813.3049,"sentiment":"neutral","sentiment_score":0.008014489710330964},{"text":"Yeah.","start":1815.0449,"end":1815.445,"sentiment":"neutral","sentiment_score":0.019619297236204147},{"text":"So it changes the the amount of money that has to come in every week or every month.","start":1815.445,"end":1821.065,"sentiment":"neutral","sentiment_score":0.010773026694854101}],"sentiment":"neutral","sentiment_score":-0.002894486580044031,"num_words":40,"start":1805.16,"end":1821.065},{"sentences":[{"text":"Yeah.","start":1822.245,"end":1822.745,"sentiment":"neutral","sentiment_score":0.16498643159866333},{"text":"So happy to still take risks and work while we need to now.","start":1823.23,"end":1826.83,"sentiment":"neutral","sentiment_score":0.28257400255936843},{"text":"Like, that's pretty much the goal and clear all the debt, and then then we can reassess and decide what to do with all that disposable income that we have.","start":1826.83,"end":1835.8099,"sentiment":"neutral","sentiment_score":0.1256922572851181},{"text":"Yes.","start":1841.005,"end":1841.485,"sentiment":"neutral","sentiment_score":0.14238394796848297},{"text":"Yep.","start":1841.485,"end":1841.985,"sentiment":"neutral","sentiment_score":0.14785043895244598}],"sentiment":"neutral","sentiment_score":0.1717271863118462,"num_words":46,"start":1822.245,"end":1841.985},{"sentences":[{"text":"I'm still doing that part time and doing other stuff part time, which is great for full time work.","start":1842.605,"end":1849.025,"sentiment":"positive","sentiment_score":0.4013292797301945},{"text":"Yeah.","start":1856.1901,"end":1856.6901,"sentiment":"neutral","sentiment_score":0.046784304082393646},{"text":"Yeah.","start":1856.91,"end":1857.41,"sentiment":"neutral","sentiment_score":0.03741990774869919},{"text":"My husband has a business that yeah.","start":1863.63,"end":1867.455,"sentiment":"neutral","sentiment_score":0.025206641161016057},{"text":"Yeah.","start":1882.33,"end":1882.83,"sentiment":"neutral","sentiment_score":0.0358392633497715}],"sentiment":"neutral","sentiment_score":0.27316366476488524,"num_words":29,"start":1842.605,"end":1882.83},{"sentences":[{"text":"Yep.","start":1909.185,"end":1909.685,"sentiment":"neutral","sentiment_score":0.0661720484495163},{"text":"So you'll reach out again once you've done some you've looked at the figures and things like that.","start":1909.93,"end":1915.77,"sentiment":"neutral","sentiment_score":0.04360269051459101},{"text":"Yeah.","start":1915.77,"end":1916.09,"sentiment":"neutral","sentiment_score":0.057403624057769775},{"text":"And you'll come back, and then we can go from there.","start":1916.09,"end":1918.51,"sentiment":"neutral","sentiment_score":0.061003171584822914},{"text":"Yeah.","start":1923.975,"end":1924.215,"sentiment":"neutral","sentiment_score":0.06195313110947609}],"sentiment":"neutral","sentiment_score":0.051294128759764135,"num_words":32,"start":1909.185,"end":1924.215},{"sentences":[{"text":"That's gold.","start":1924.215,"end":1924.775,"sentiment":"neutral","sentiment_score":0.1051020473241806},{"text":"That's fine.","start":1924.775,"end":1925.415,"sentiment":"neutral","sentiment_score":0.06451765075325966},{"text":"Yep.","start":1925.415,"end":1925.915,"sentiment":"neutral","sentiment_score":0.07897841930389404},{"text":"So yeah.","start":1942.29,"end":1943.25,"sentiment":"neutral","sentiment_score":0.05640390142798424},{"text":"No worries.","start":1943.25,"end":1943.81,"sentiment":"neutral","sentiment_score":0.16834604740142822}],"sentiment":"neutral","sentiment_score":0.09641307923528883,"num_words":9,"start":1924.215,"end":1943.81},{"sentences":[{"text":"Thank you.","start":1943.81,"end":1944.55,"sentiment":"positive","sentiment_score":0.495328351855278},{"text":"Oh, no.","start":1949.5701,"end":1949.9701,"sentiment":"neutral","sentiment_score":0.0898265391588211},{"text":"That's alright.","start":1949.9701,"end":1950.4501,"sentiment":"neutral","sentiment_score":0.1052241250872612},{"text":"Yeah.","start":1950.4501,"end":1950.77,"sentiment":"neutral","sentiment_score":0.045199330896139145},{"text":"I'm doing kid pickup now.","start":1950.77,"end":1952.13,"sentiment":"neutral","sentiment_score":0.028594417870044707}],"sentiment":"neutral","sentiment_score":0.1307441210374236,"num_words":12,"start":1943.81,"end":1952.13},{"sentences":[{"text":"So I'm like, I'm trying to have a conversation with my son in the car while listening to you at the same time.","start":1952.13,"end":1957.525,"sentiment":"neutral","sentiment_score":0.10778044876844986},{"text":"Yeah.","start":1958.945,"end":1959.265,"sentiment":"neutral","sentiment_score":0.21175113320350647},{"text":"No worries.","start":1959.265,"end":1959.9249,"sentiment":"neutral","sentiment_score":0.16759882867336273},{"text":"So I need to sign that I need to sign that document that you've sent through.","start":1961.505,"end":1965.905,"sentiment":"neutral","sentiment_score":-0.025991540518589318},{"text":"Yeah?","start":1965.905,"end":1966.405,"sentiment":"neutral","sentiment_score":0.002099514938890934}],"sentiment":"neutral","sentiment_score":0.06074730183409397,"num_words":43,"start":1952.13,"end":1966.405},{"sentences":[{"text":"Sign that, and then you'll yeah.","start":1968.225,"end":1971.98,"sentiment":"neutral","sentiment_score":0.09591203307112058},{"text":"Yeah.","start":1973.32,"end":1973.82,"sentiment":"neutral","sentiment_score":0.2367958128452301},{"text":"Awesome.","start":1974.2799,"end":1974.76,"sentiment":"positive","sentiment_score":0.6749614477157593},{"text":"Cool.","start":1974.76,"end":1975.08,"sentiment":"positive","sentiment_score":0.6994374990463257},{"text":"Thank you very much for your time.","start":1975.08,"end":1976.44,"sentiment":"positive","sentiment_score":0.7840501410620553}],"sentiment":"positive","sentiment_score":0.4796886215917766,"num_words":16,"start":1968.225,"end":1976.44},{"sentences":[{"text":"I appreciate that.","start":1976.44,"end":1977.6599,"sentiment":"positive","sentiment_score":0.6828903754552206},{"text":"Okay.","start":1983.699,"end":1984.199,"sentiment":"positive","sentiment_score":0.3701165318489074},{"text":"Thank you.","start":1984.3389,"end":1984.9789,"sentiment":"positive","sentiment_score":0.6270034909248352},{"text":"Bye.","start":1984.9789,"end":1985.4789,"sentiment":"positive","sentiment_score":0.38692745566368103}],"sentiment":"positive","sentiment_score":0.579960299389703,"num_words":7,"start":1976.44,"end":1985.4789}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Samantha. It's Dana from OCU Financial. How are you this afternoon?\n\nChannel 1: I'm good. Thank you. How are you?\n\nChannel 0: Very well. Thank you. I had to book in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: Yeah. That's fine. Thank you.\n\nChannel 0: No worries at all. And how's your day being so far?\n\nChannel 1: Busy.\n\nChannel 0: All good. I'll try to take up too much of your time. I can see here that you're driving at the moment. Is that right?\n\nChannel 1: Yep.\n\nChannel 0: Yep. That's okay. Not a problem. I did send you an email to you. This is some annual review documents for you to review there.\n\nWhat I'll do to make it easier on you, I'll go through everything that we need to up to all these circumstances, have a look at any new advice needs to be provided there, and then you're able to have a look at those a bit later when you've got time. How does that sound?\n\nChannel 1: Yeah. That's fine. I had a quick look at them before I jumped in the car.\n\nChannel 0: Oh, fantastic.\n\nChannel 1: Yeah. So yeah. Not everything, but I've had a a quick client that had a couple of them. So, yeah, I've got\n\nChannel 0: Yeah.\n\nChannel 1: a bit\n\nChannel 0: That's\n\nChannel 1: of a rough\n\nChannel 0: okay.\n\nChannel 1: idea.\n\nChannel 0: No worries at all. Before we jump into the call and I start going through all the details, I do have to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy\n\nChannel 1: Yeah.\n\nChannel 0: for\n\nChannel 1: That's\n\nChannel 0: me\n\nChannel 1: fine.\n\nChannel 0: to\n\nChannel 1: Thank\n\nChannel 0: proceed\n\nChannel 1: you.\n\nChannel 0: with that? Fantastic. And just to do a quick security check there with you just to confirm your full name, your date of birth, and address that I should have on file left for you.\n\nChannel 1: Samantha\n\nChannel 0: Yep.\n\nChannel 1: k Brenthouse. My date of birth is twenty third of the fourth nineteen eighty one, and my address is 55 Ollieanda Drive, Youngerboro 4884.\n\nChannel 0: Lovely. Thank you so much for that. So just before I sort of jump into things, I is there anything that kinda came out question wise or anything particular you wanted to sort of touch on this time of the annual review? Or\n\nChannel 1: Yeah. Because in my head, I'd kinda probably worked out that I should've been sitting. I'd anticipated it'd be closer to the $400,000 mark\n\nChannel 0: Mhmm.\n\nChannel 1: for where it should be sitting, but, obviously, it has not landed there. So whether I kind of have been calculated stuff or not. So,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah, I'm intrigued because it feels like my husband's portfolio is far catching up to mine, and\n\nChannel 0: Yeah.\n\nChannel 1: I had a significant jump in front of his. So, yeah, I'm just I'm querying kind of because it was making quite good traction there for a while, and it seems to I don't know. Maybe flunked a little bit. So\n\nChannel 0: Yeah. No.\n\nChannel 1: definitely looking\n\nChannel 0: Understandable.\n\nChannel 1: at that.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Well, I'll jump into that first step for you. So having a little bit a look back at your annual review last year, in April there, your balance was about 316,286 and 13¢ there. I'm looking at where\n\nChannel 1: Oh,\n\nChannel 0: things\n\nChannel 1: okay. So\n\nChannel 0: are\n\nChannel 1: it must\n\nChannel 0: as\n\nChannel 1: have been lower than I thought. Yeah. Okay. Alright.\n\nChannel 0: yeah. That's okay. You're absolutely fine. The balance as of yesterday's date, we had 317,618 and 55¢ there. So when I sort of have a look at the HUB24 before and sort of fund the portfolio as a whole, majority of your investments have performed really nicely.\n\nObviously, this year, we have seen quite a lot of market volatility, which has had an effect on equity. So the\n\nChannel 1: Sorry.\n\nChannel 0: markets\n\nChannel 1: Can I\n\nChannel 0: have\n\nChannel 1: just\n\nChannel 0: been\n\nChannel 1: stop\n\nChannel 0: very\n\nChannel 1: you there\n\nChannel 0: up\n\nChannel 1: for\n\nChannel 0: and\n\nChannel 1: a minute?\n\nChannel 0: down.\n\nChannel 1: Sorry.\n\nChannel 0: Sure.\n\nChannel 1: What's my balance at the moment?\n\nChannel 0: At the moment, we have 377,618.\n\nChannel 1: Okay. Sorry. I thought you said and\n\nChannel 0: Yeah.\n\nChannel 1: then I thought you said 317, and I was like,\n\nChannel 0: No.\n\nChannel 1: oh, should I just better double check that? No. That\n\nChannel 0: Yeah.\n\nChannel 1: okay. So\n\nChannel 0: No.\n\nChannel 1: that's then performed better than I thought because I thought it was closer to, like, the $3.30. But yeah. No. That's cool. So it's at three seventy.\n\nIt's at seventy seven. Okay. Perfect.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: 377 and 618. Yes. So sorry\n\nChannel 1: Yep.\n\nChannel 0: about that.\n\nChannel 1: No. No. That's alright. No. It's I'm in a bad network area as well, and it's Telstra.\n\nSo\n\nChannel 0: That's okay. That's not a problem at all. So, essentially, when I look at things as a total, your portfolio after fees has made a 4.23% return. Look. In all honesty, it is a bit lower than where I would have expected for the portfolio to sort of performed within the range that you're at, but it is\n\nChannel 1: Yes.\n\nChannel 0: also because of what's happened this year. Obviously, the war between The US and Iran has had a bit of an effect on equities. The market has seen some very big highs and lows, especially around March and April this year, which is when the highs of all that was sort of happening. There was\n\nChannel 1: Yes.\n\nChannel 0: some really big sell offs from the market, and the biggest thing is the the biggest downturns are, of course, because people see things in the news. Investors get really nervous, and they start to sell their investments out. So\n\nChannel 1: Yeah.\n\nChannel 0: that has caused a bit of up and down there. I have some tools that I utilize to sort of see what is expected over the course of the next month, and one of those is really cool. It's called the VIX index, and it sort of tracks what's happening with the S and P 500 and The US top 500 companies, and it sort of works upon where that is tracking and essentially what we expect to see volatility wise. When the VIX index is under 20%, we sort of hope and expect that markets are gonna be a little bit more stable. When the VIX index gets over 20%, then we start to expect very heavy volatility.\n\nThe good news\n\nChannel 1: Yep.\n\nChannel 0: with that is that it hasn't been over that 20% mark since around about June. So around that the June 10 was the last time we saw it hit that 20% mark. Ever since then, it has been lower, under 20%. And at the moment, it's at one of the lowest points it has been for a while. So it is\n\nChannel 1: Yeah.\n\nChannel 0: really good to see. It does show that things are evening out a little bit to the market, and it does kind of with what we're sort of seeing at the moment, most people are a bit over US and Iran war. It's sort of how it's affecting the market. We sort of stick about hearing it now. We just want everything to get back to normal,\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: Okay.\n\nChannel 0: so it's not really having as big of an effect as what we expect. But in saying that you are in a high growth portfolio,\n\nChannel 1: Yeah.\n\nChannel 0: so I would, you know, to be expecting oh, what we're sort of aiming to try and get from a high growth environment is on a yearly basis around about eight to 10% of returns, and that's where you're sort of\n\nChannel 1: Yeah.\n\nChannel 0: hoping to get every year.\n\nChannel 1: Yeah.\n\nChannel 0: It doesn't always\n\nChannel 1: Yeah.\n\nChannel 0: happen, and I know last year your returns were a little bit lower there as well. So\n\nChannel 1: Yeah.\n\nChannel 0: it's the same one of those years a bit volatile, I think. We're probably seeing the most volatility in market history over the last four to six years with COVID happening and everything kind of happening after that. Prior to '20\n\nChannel 1: Yeah.\n\nChannel 0: '20, the market had a really good run of about ten years of fantastic returns, so we're definitely living in a very volatile environment. One of the things that is kinda coming out, and we get to talk to economists and things moving forward, they are sort of hinting at, you know, high inflation to stick around till at least the end of this year. Hopefully, you know, hopefully not, but they are kind of expecting a high inflationary pressure to stick around, and that can also have a bit of an effect, especially on the sensitive and back of life bonds. So we'll just sort of watch to see what's happening there. But\n\nChannel 1: Yes.\n\nChannel 0: I I know some people do prefer a dollar fee as opposed to a percentage. So to give you a bit of an idea, the earnings within your portfolio, the growth and the income, over the last twelve months has equated to $22,486.17. So whilst your return is lower than what I'd be expecting for the year, it is still has still been very good, and it has still added to what's been going on and has built your portfolio up quite nicely for the year. I\n\nChannel 1: Yeah.\n\nChannel 0: definitely\n\nChannel 1: So that's\n\nChannel 0: wanna\n\nChannel 1: that's\n\nChannel 0: kinda keep\n\nChannel 1: not my contributions\n\nChannel 0: yeah.\n\nChannel 1: as well as that. That's just the\n\nChannel 0: No.\n\nChannel 1: investment.\n\nChannel 0: It's that's correct. Yeah. It's\n\nChannel 1: So\n\nChannel 0: just focusing\n\nChannel 1: yes.\n\nChannel 0: on the income and the growth that is generated out of the portfolio. So it is\n\nChannel 1: Yeah.\n\nChannel 0: net\n\nChannel 1: Yep.\n\nChannel 0: of contributions, which is good because we wouldn't want that would essentially be mostly your contributions there with what your salary\n\nChannel 1: Yeah.\n\nChannel 0: sacrificing plus you put again. So no.\n\nChannel 1: Yeah.\n\nChannel 0: Completely understand.\n\nChannel 1: No. I'm I guess from\n\nChannel 0: You're\n\nChannel 1: my\n\nChannel 0: right.\n\nChannel 1: perspective is I really was kind of in my head, I was hoping that it was gonna hit that. And I imagine if it had it had the 10% or closer to the 10% or even 8% interest,\n\nChannel 0: Yep.\n\nChannel 1: it would have hit that 400,000 mark a little bit closer.\n\nChannel 0: Yes.\n\nChannel 1: Because, essentially, once I get over that the whole thing with compounding interest is once I get over that $400,000 mark, it's gonna start growing exponentially whether I'm\n\nChannel 0: Oh,\n\nChannel 1: putting a\n\nChannel 0: absolutely.\n\nChannel 1: lot of extra contributions into it or not.\n\nChannel 0: Yes.\n\nChannel 1: Do you know\n\nChannel 0: Absolutely.\n\nChannel 1: what I mean? Like so\n\nChannel 0: Yep.\n\nChannel 1: if I've got\n\nChannel 0: Yep.\n\nChannel 1: a 400\n\nChannel 0: Correct.\n\nChannel 1: thousand dollar portfolio, I am making, you know, eight to 10%, I'm getting $40 in growth every\n\nChannel 0: Mhmm.\n\nChannel 1: year. Ten years, that's 400,000. Like so\n\nChannel 0: Mhmm.\n\nChannel 1: I was kind\n\nChannel 0: Yes.\n\nChannel 1: of that that\n\nChannel 0: Correct.\n\nChannel 1: was in my head. I was kinda like, fuck. Alright. I was really hoping it was gonna\n\nChannel 0: Yep.\n\nChannel 1: nail that for me.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. So I just I had a couple of good years, obviously, once I moved over to you guys, but then there's\n\nChannel 0: Yeah.\n\nChannel 1: definitely been a couple of not so great ones, which, like I said,\n\nChannel 0: Yep.\n\nChannel 1: I've been like, shit.\n\nChannel 0: Yeah. And\n\nChannel 1: Yeah.\n\nChannel 0: and to to make it important as well, it's not just you. It's every super fund out there. This year has been volatile for everyone. It's not something\n\nChannel 1: Yeah.\n\nChannel 0: anyone can control as such. What\n\nChannel 1: Yeah.\n\nChannel 0: I would like to maybe do is I would like to maybe go back and have a look at your portfolio because you have been in this portfolio since you came on board. And like you said, it has provided some great returns there. But every so often, it is really important to update your portfolio and maybe look at some investments that might not be tracking properly, maybe look at, you know, readjusting some investments to make sure it's underperforming, that you're in the best performing portfolio. Did you want\n\nChannel 1: Yeah.\n\nChannel 0: me to go back and maybe have a look at those for you,\n\nChannel 1: Yeah.\n\nChannel 0: maybe\n\nChannel 1: I'm\n\nChannel 0: update\n\nChannel 1: I'm\n\nChannel 0: the advice\n\nChannel 1: completely\n\nChannel 0: and make a\n\nChannel 1: open\n\nChannel 0: recommendation?\n\nChannel 1: to that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Like\n\nChannel 0: Beautiful.\n\nChannel 1: I said, because it's not it's got a decent amount of money in it. You know? Like,\n\nChannel 0: Yeah.\n\nChannel 1: for for my age, it's not you know, I would expect them, you know, if I, you know, bid it out with that. But it's I still have pretty decent portfolio. Do you know what I mean? Like, pretty close to 400\n\nChannel 0: Absolutely.\n\nChannel 1: thousand\n\nChannel 0: Yeah.\n\nChannel 1: with, on paper, potentially twenty years of work and earning potential, which I'm probably not gonna stick out that long. But do you know what I mean? Like, if so,\n\nChannel 0: Yep.\n\nChannel 1: from a working perspective, technically, on paper, it looks like I'm just over halfway through my working life.\n\nChannel 0: Yep.\n\nChannel 1: You know? Like, I was like I said to myself, and I'm like, it it seems pretty decent. Like, I was like, if I get to that 400,000 mark, I'm like, I'd be pretty happy. Like\n\nChannel 0: Yeah. Not correct.\n\nChannel 1: yeah. So because like I said, it will just you know, it's always like that first 100,000 is always really hard to make, and then that first million\n\nChannel 0: Oh,\n\nChannel 1: is really hard to\n\nChannel 0: absolutely.\n\nChannel 1: make. And\n\nChannel 0: Yeah. Definitely. Well, to give you a little bit of an idea, sort of based on your age and stages where you're at, the average super balance for a female, I'm not kidding, is about a 158,331.\n\nChannel 1: Yes.\n\nChannel 0: So your super balance is well and truly higher than that. You're definitely saving the average. And, honestly, with with a little bit more market volatility, so long as we can sort of take advantage of things and get the portfolio working a bit harder for you,\n\nChannel 1: Yeah.\n\nChannel 0: I would definitely expect you to hit that $400,000 mark by the end of you know, if not the end of this year, early next year. So in the next twelve months, you should be over that hump.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: In saying that if something happens, if you know, Trump goes over another country, there is the risk of some sort of downturn.\n\nChannel 1: Yeah. And\n\nChannel 0: But\n\nChannel 1: that's\n\nChannel 0: if\n\nChannel 1: that's\n\nChannel 0: that\n\nChannel 1: one\n\nChannel 0: does\n\nChannel 1: of those\n\nChannel 0: happen\n\nChannel 1: things that it just yeah.\n\nChannel 0: yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Well, if that does happen, we'll get excited, and we'll keep investing, and we'll take advantage of that. So when the market comes back out, we'll have made some really great positive growth in that time frame. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: yeah. But no. I completely\n\nChannel 1: Yeah.\n\nChannel 0: understand\n\nChannel 1: And\n\nChannel 0: where\n\nChannel 1: I'm\n\nChannel 0: you're coming from. Yeah.\n\nChannel 1: yeah. I kinda just want to get to the point where so while I'm in my, you know, mid to late forties, I'm happy to and I'm still working fairly consistently. I\n\nChannel 0: Yeah.\n\nChannel 1: want to keep making as many gains\n\nChannel 0: Yeah.\n\nChannel 1: as I can so that when I kind of walk into that 50 and my work is less, I'm obviously not gonna be making as many contributions.\n\nChannel 0: Yes.\n\nChannel 1: But I want that portfolio to maybe not have as much high volatility, maybe just pay it back a little bit, but just\n\nChannel 0: Yes.\n\nChannel 1: keep ticking over. Like,\n\nChannel 0: Yes.\n\nChannel 1: just\n\nChannel 0: Cool.\n\nChannel 1: the money\n\nChannel 0: Yeah.\n\nChannel 1: that's in the bank is just, you know so\n\nChannel 0: Mhmm.\n\nChannel 1: like I said, you know, if I'm getting 8% or whatever it is on, you know, 400,000, in the ten years from 50 to 60, it's, you know, doubling my money essentially for me. So\n\nChannel 0: Yeah. Absolutely. No. Definitely. And\n\nChannel 1: yeah.\n\nChannel 0: that's exactly the way we want this to work and how we structure the portfolio to generally work. But because you have\n\nChannel 1: Yeah.\n\nChannel 0: been on board since the I believe 2022, this is much of an older portfolio. And there definitely are other portfolios out there that are working harder and have seen greater levels of returns. So I'd love\n\nChannel 1: Yeah.\n\nChannel 0: to go back. I had a look at everything individually. I can see some\n\nChannel 1: Yeah.\n\nChannel 0: changes that we could definitely make, and I'd love to update that for you, give you a projection, to show you what we're expecting over the next sort of five to ten years and where we're sort of tracking, and then we'll keep track of it and see what's, you know, happening for you and make alterations\n\nChannel 1: Yeah.\n\nChannel 0: as we get there.\n\nChannel 1: Yeah.\n\nChannel 0: With the high growth environment, you said you're sort of happy to stay with that higher risk at the moment, seeking the volatility to take advantage of the market ups and downs.\n\nChannel 1: Yeah.\n\nChannel 0: Are you\n\nChannel 1: I'm\n\nChannel 0: still\n\nChannel 1: I'm\n\nChannel 0: happy\n\nChannel 1: okay\n\nChannel 0: to\n\nChannel 1: with that. Yeah.\n\nChannel 0: yep.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. So with this you're right. You're good.\n\nChannel 1: Yeah. Just because I'm like I said, I'm still in my, like, my earning capacity. Like, I'm\n\nChannel 0: Mhmm.\n\nChannel 1: still, you know, contributing to my super, still getting paid\n\nChannel 0: Yeah.\n\nChannel 1: super, those kind of things.\n\nChannel 0: Yep.\n\nChannel 1: So while that money is going in there to kind of offset some of that risk, like,\n\nChannel 0: Mhmm.\n\nChannel 1: yeah, I'm happy. And I, you know, I don't need to access the that's the other bit. Like, obviously, I can't access it now anyway, even if I wanted to.\n\nChannel 0: Yep.\n\nChannel 1: Do you know what I mean? Like, I'm not I'm not 55, approaching 60. I still got that time up my place to recuperate. So I'm I'm okay with that that risk at the\n\nChannel 0: Yep.\n\nChannel 1: moment.\n\nChannel 0: Yep. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's perfect. Perfect. So just to kinda give you an outgo I don't know if anyone's kind of gone through it all, but just to give you a rundown on the high growth portfolio. So I know you probably heard that you've got a ninety ten split versus growth versus defensive investment, But this portfolio is generally we're trying to attain about a eight to 10% return. And because you are taking more risk in the market, the expected volatility could be plus or minus around that 14% either way.\n\nSo it does mean that when the portfolio is working really well, the returns could be really high and doing very well, but\n\nChannel 1: Yes.\n\nChannel 0: the downturns can also be magnified. And like you said, you know, as you get closer to retirement, generally, when you kinda hit that 55 mark, if not just before, with that high growth environment, I try to, at about eight years, start to reduce the risk level back because the\n\nChannel 1: Yeah.\n\nChannel 0: risk is higher, especially with a higher balance that as you kind of noted, you know, a smaller return has a much greater effect on the balance as it does increase through. So to be for '55 and seeing a 20% drop with a balance of, you know, 5 or 6 or $800,000 could have a much more significant effect on you than it could on someone who has only, say, 50 or 60 k in a super\n\nChannel 1: Yes.\n\nChannel 0: account. So\n\nChannel 1: Yes.\n\nChannel 0: it's definitely something when you kinda hit that eight year mark, I would love to start moving things back a little bit. So right now, high growth environment does realistically suit where you're at. We do expect the\n\nChannel 1: Yes.\n\nChannel 0: likelihood of a negative return kind of one in every five years, but we wanna take advantage of those downtimes and keep investing and building and buy into the discounted investment rates there as well.\n\nChannel 1: Yep.\n\nChannel 0: And with this sort of portfolio and environment, just as I say, compounding it forward and making sure it does continue to work and reevaluating the investments on a regular basis to make sure you stay in the curve, following the trends, and making sure we stay up to date with what's happening in the market as well. So\n\nChannel 1: Yes.\n\nChannel 0: this profile definitely suits where you're at at the moment. Uncomfortable for you to stay there. When you think about the risk level, if you were to say, look at it at a five, realistically, it's about a four out of five. So you know it's the highest. You still have some defensive assets, which is good for taking advantage and having some downside protection, but there\n\nChannel 1: Yeah.\n\nChannel 0: is still a lot of risk involved there. So\n\nChannel 1: Yeah.\n\nChannel 0: if you're comfortable in that environment, you're all good with that. Any questions that have come\n\nChannel 1: Yeah.\n\nChannel 0: out of it?\n\nChannel 1: Yeah. And that's I'm all good with that. So it still turned around, you know, just under 5% or whatever, which, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: like I said, isn't\n\nChannel 0: Yep.\n\nChannel 1: ideal, but it's still making $20, which is\n\nChannel 0: Abs\n\nChannel 1: that's fine.\n\nChannel 0: absolutely.\n\nChannel 1: Like, you know\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So,\n\nChannel 0: Yep. No.\n\nChannel 1: no,\n\nChannel 0: Absolutely.\n\nChannel 1: I'm okay with that. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That's\n\nChannel 0: Beautiful.\n\nChannel 1: fine.\n\nChannel 0: And that's $4.2.63 percent. As I said, it is also a net return. So it's after the fees are being taken into account. There's our ongoing service fee as well as any admin fees and things for the funds. So whilst it is definitely lower, it's still a positive return.\n\nWe have seen actually when we were sort of looking at things around about March and April, there were a lot of other portfolios and other funds that that were returning negative returns. They had seen quite a very heavy drop. So in all honesty, to come\n\nChannel 1: Yes.\n\nChannel 0: out of this year and still have a positive return, it sort of means that before that market volatility hit, you're super well on track to kinda have a really good positive 10 or plus percent return, and that is\n\nChannel 1: Yeah.\n\nChannel 0: down by that volatility we saw was what kind of pulled it back a little bit. Again,\n\nChannel 1: Yeah.\n\nChannel 0: I can see some investments here that might be underperforming a little bit as well, and I do wanna reevaluate the entire portfolio for you, readjusting\n\nChannel 1: Yeah.\n\nChannel 0: to make\n\nChannel 1: Yeah.\n\nChannel 0: sure it's continuously building and working and compounding for you. Yeah.\n\nChannel 1: No. Thanks.\n\nChannel 0: Perfect. All good. Do you have any other questions about the super, the investments, or anything I just\n\nChannel 1: No.\n\nChannel 0: kinda gone\n\nChannel 1: I think\n\nChannel 0: through\n\nChannel 1: that's\n\nChannel 0: for\n\nChannel 1: that's\n\nChannel 0: you?\n\nChannel 1: okay because\n\nChannel 0: Yeah.\n\nChannel 1: my my life insurance, everything is still all runs up through that and stuff as\n\nChannel 0: Yeah.\n\nChannel 1: well, doesn't it? Yeah. Yeah. Perfect.\n\nChannel 0: Absolutely. Yes. So with your life insurance there, the sum insured you're covered for for life and total permanent disability at the moment. You've got $1,248,806.04. In the\n\nChannel 1: Yes.\n\nChannel 0: event of a life and TDD, what is it that you're sort of wanting that to cover? What's your main goal with those insurances?\n\nChannel 1: Probably just cover a small portion of it will cover the last of the mortgage.\n\nChannel 0: Yep.\n\nChannel 1: But the rest would essentially be just for my my children just to be able like,\n\nChannel 0: Yes.\n\nChannel 1: it'll be a longevity kind of thing. So, you know, as the\n\nChannel 0: Yes.\n\nChannel 1: years have progressed, obviously, loans have gotten smaller, paid off less. We only have a small amount left on our home. All of our\n\nChannel 0: Oh,\n\nChannel 1: other\n\nChannel 0: perfect.\n\nChannel 1: properties are all owned outright. No debt with our business. Yeah. So our second sense have changed slightly. Like, my husband's parents have both passed away in the last twelve months, so\n\nChannel 0: Yep.\n\nChannel 1: we've inherited.\n\nChannel 0: Oh, I'm so sorry. Yeah.\n\nChannel 1: Yeah. No. It's been a it's been a really a shit year, but that's okay. But we've inherited\n\nChannel 0: Yeah.\n\nChannel 1: two properties from that. So our financial position has secured considerably, so there's no reason for me to have to up my life insurance. If anything, it's probably a little bit of overkill at the moment, but we'll just leave it there\n\nChannel 0: Yep.\n\nChannel 1: for the time being because shit happens\n\nChannel 0: Yep.\n\nChannel 1: in the cost of living. And I'm not quite sure a million dollars by quite what it used to.\n\nChannel 0: It really doesn't, honestly.\n\nChannel 1: Somebody used to\n\nChannel 0: But\n\nChannel 1: retire\n\nChannel 0: we\n\nChannel 1: on a million dollars. Now you're like, if I want a million dollars on a lot, I'm probably still gonna have to work. Like\n\nChannel 0: yep. Yep.\n\nChannel 1: yeah. So I'm happy to just kinda leave that there because\n\nChannel 0: Yep.\n\nChannel 1: as long as that's covered. But it doesn't really need to go to anything as opposed to when I started. Like, there was obviously\n\nChannel 0: Yep.\n\nChannel 1: a lot of debt that needed to be covered or, you know, at\n\nChannel 0: Yes.\n\nChannel 1: least allowed for.\n\nChannel 0: Yep.\n\nChannel 1: So that policy is on top of in the event of death, on top of the super account as well, isn't it?\n\nChannel 0: That is correct. Yes. So your super benefit, currently, the $3.77, is also paid out to your beneficiaries as part of your life cover.\n\nChannel 1: Add it into\n\nChannel 0: And with your TBD, I mean, for the permanent disability, if you're still technically alive, you suffer some sort of permanent incapacity or permanent disability. And, again, you have that one point two million. And your super loans can be released under TBD as well. The only thing I do is I have to kind of bring up to make sure you're aware of because I don't know if anyone's mentioned this before, but essentially, TBD, if you do take it all as a lump sum, unfortunately, the ATO do get a payment. TBD is claimed that you're under the age of 60.\n\nIt's actually taxed up to 22%.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: It's\n\nChannel 1: Lockout\n\nChannel 0: a\n\nChannel 1: is an income, essentially. Yeah.\n\nChannel 0: it is. It is. It's horrible. I don't like it. I think it's the most silliest rule under the planet, but it is technically a tax.\n\nSo it does mean the amount you are insured for is is not exactly the amount that you're expected to get. So having a higher amount of insured is better for you.\n\nChannel 1: Yeah.\n\nChannel 0: What\n\nChannel 1: Okay.\n\nChannel 0: I would\n\nChannel 1: So,\n\nChannel 0: sort\n\nChannel 1: technically,\n\nChannel 0: of say\n\nChannel 1: out of that million one point two five, that's probably only cleared just under a million. Yeah. Okay.\n\nChannel 0: yeah. Your super balance\n\nChannel 1: Yeah.\n\nChannel 0: is also technically in that as well. So if because we when you do TBD, your\n\nChannel 1: Yeah.\n\nChannel 0: suit is also released under incapacity. That is added to the TBD benefit amount, and then the 22% taxes are taken. That\n\nChannel 1: Okay.\n\nChannel 0: is only taken on withdrawal, though. So as an adviser,\n\nChannel 1: Yeah. Okay.\n\nChannel 0: if you did ever have to claim PPD, we would help you. The taxes up to 22%, and they have this weird\n\nChannel 1: Yeah.\n\nChannel 0: math calculation based on the agency stage and the, you know, certain figure that they look at to work out the tax. But\n\nChannel 1: Yeah.\n\nChannel 0: it's it's\n\nChannel 1: Yeah. So\n\nChannel 0: always only on withdrawal. So if you leave the money in super, it's not physically taxed, and we can do things and provide advice to help limit the tax and get uplifts and things like that as well. So we would always help\n\nChannel 1: yeah.\n\nChannel 0: you to make sure we limit that as much as possible. Yeah.\n\nChannel 1: Yeah. No. That's fine. So,\n\nChannel 0: Perfect.\n\nChannel 1: yeah, definitely leave that there then in that point.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Is\n\nChannel 0: All\n\nChannel 1: there\n\nChannel 0: good.\n\nChannel 1: anything else that we need to cover, or is that pretty much?\n\nChannel 0: Yep. Yeah. No. Just with your income protection, your monthly benefit, your income, I have you on about a 105,000 per annum. Is that slightly higher and or lower now?\n\nChannel 1: No. That's about right. I think it was a 102 or something. It came in at on my\n\nChannel 0: Okay.\n\nChannel 1: tax file statement. So\n\nChannel 0: Yep.\n\nChannel 1: that's fine. If we have it around that, it'll hit this financial year might have to go a little bit higher, but, yeah, we'll\n\nChannel 0: Yep.\n\nChannel 1: just leave it at that for now.\n\nChannel 0: That's okay. Because\n\nChannel 1: Yeah.\n\nChannel 0: with your income protection benefit to be covered for 70% of that income over the 103,000, you are slightly underinsured there at the moment. Hi, Amanda. I'm on hold.\n\nChannel 1: Hello?\n\nChannel 0: Hi. Can you hear me okay? I'm so sorry.\n\nChannel 1: Sorry. I don't know\n\nChannel 0: I\n\nChannel 1: what\n\nChannel 0: think\n\nChannel 1: happened then. Sorry. My apologies.\n\nChannel 0: that's,\n\nChannel 1: I don't\n\nChannel 0: like\n\nChannel 1: know what happened.\n\nChannel 0: no. You're\n\nChannel 1: Yeah.\n\nChannel 0: honestly fine. Just with the income protection benefit, the monthly benefit you have at the moment is $6,006.81 pretax. It is a little bit underinsured from what you would need to be covered for based on 70% of that 103,000. But it also comes down to if you are not able to work, does anything extra you're pulling from investment properties or maybe your partner's work or your business or anything, does that kind of provide a buffer? Like, did you wanna look at maybe increasing the income protection to make sure you have that 70%?\n\nOr\n\nChannel 1: Could you possibly take it up to the threshold of the 135? Do you know\n\nChannel 0: for\n\nChannel 1: how to\n\nChannel 0: your\n\nChannel 1: look for it?\n\nChannel 0: in for\n\nChannel 1: Yeah.\n\nChannel 0: your income?\n\nChannel 1: If we can take it up to the 135 because that's my goal is to get it to that one this year and then hopefully not go away because I don't wanna pay any more tax. But\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So\n\nChannel 0: Yep.\n\nChannel 1: then if my income is a 135,000, then it'll be 75% of that, which will hit that 100,000, which will probably cover everything. Yeah.\n\nChannel 0: So income protection covers you for about 70% as the maximum there. So if we\n\nChannel 1: Yeah.\n\nChannel 0: look\n\nChannel 1: Okay.\n\nChannel 0: to increase to to cover a 135,000, we'd be looking to cover you with a monthly benefit of $99,450 on a monthly basis, essentially.\n\nChannel 1: Yes. Perfect.\n\nChannel 0: I can,\n\nChannel 1: That's\n\nChannel 0: yeah, I can absolutely do that. As part of the advice, I can look to increase that for you.\n\nChannel 1: Yep.\n\nChannel 0: I will just need to maybe get one of the team members to give you a call to run through a bit of a quick pre assessment in the next couple of days. Is there maybe an afternoon next week that I could get someone to give you a call and just run through that just to make sure there's no additional plans or anything that we need to flag that could be added or changed in the policy?\n\nChannel 1: Yeah. That's fine. Either a Monday\n\nChannel 0: Yeah.\n\nChannel 1: afternoon or a Friday afternoon is fine.\n\nChannel 0: Yeah. No worries. I'll get someone to give you a file, probably, within Monday afternoon, if that's okay. Any\n\nChannel 1: Yep.\n\nChannel 0: certain\n\nChannel 1: That's fine.\n\nChannel 0: time that kinda suits you better just so\n\nChannel 1: No.\n\nChannel 0: they're not\n\nChannel 1: It's\n\nChannel 0: cool.\n\nChannel 1: fine. No.\n\nChannel 0: That's\n\nChannel 1: That's\n\nChannel 0: fine.\n\nChannel 1: okay. That's fine.\n\nChannel 0: That's\n\nChannel 1: Yep.\n\nChannel 0: all good. No worries. So my colleague, Samantha, is the one that give you a call on Monday afternoon. She'll just give you a buzz, see if you're available, run through a quick free assessment just so I can have a look to see if we increase the policy, what we might be expecting, because we add that into the advice so you understand what we're looking at, what the expectation is, what the possible cost might be, and if on the increase of the policy, there might be anything additional\n\nChannel 1: Yep.\n\nChannel 0: there. Okay?\n\nChannel 1: Yeah. Okay. Yep.\n\nChannel 0: Excellent.\n\nChannel 1: That's fine.\n\nChannel 0: The only other thing I just wanna double check for you there is just looking at your assets and liabilities. So just a quick run through to see if any I know you've got those two main those two new investment properties there. What kind of value would you put on each of those property?\n\nChannel 1: Half 1,000,000 h.\n\nChannel 0: Half 1,000,000 each? Yep. Beautiful. And I've got your main primary residence down. Rough valuation last year of 1.2 so 12 yeah.\n\n1,250,000 as in here. What sort of\n\nChannel 1: Yeah.\n\nChannel 0: do\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: about\n\nChannel 0: think\n\nChannel 1: right.\n\nChannel 0: valuation now? The same? Yep.\n\nChannel 1: Yeah. It'll be about the same.\n\nChannel 0: Yep. Beautiful. Mortgage is down to about 620. Has it kind of reduced a little bit further there at the moment?\n\nChannel 1: I would say it's probably under 500.\n\nChannel 0: Yeah. Beautiful. Excellent. You had about 25,000 cash in the bank as well. Do you still have that end or has that changed at all?\n\nChannel 1: Yeah. No. It's probably about the same.\n\nChannel 0: That's the same beautiful. And you had some shares as well with a a valuation of about 30,000. Do you still have those shares?\n\nChannel 1: Yeah. This is probably probably about 70,000 now, share portfolio.\n\nChannel 0: 70,000? Yep. Fantastic. And we also have the offset account noting about 50,000 in there. Do you still happen to have that?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. And is it about the same or increased? Or\n\nChannel 1: No. It's about the same.\n\nChannel 0: about the same. Yep. Beautiful. Fantastic. The only other thing here is beneficiaries.\n\nI have it down that you wanted to keep us as your beneficiary for both your super and insurances. Is that still all current and correct?\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Yep. Beautiful. And I have it down here that you guys do have a will and have attorney all set up. Is that still current and reflecting your wishes?\n\nChannel 1: Yes. That is current. It was updated in September 2025.\n\nChannel 0: Yep. Beautiful. Excellent. And those investment properties that you do now have, I have it that you've been inherited the two. They are completely debt free.\n\nYou don't have any loans with any of those?\n\nChannel 1: No.\n\nChannel 0: That's beautiful. And I can see that you're also building an investment property as well. Do you have a third or other investment property?\n\nChannel 1: No. We haven't built on either of those yet. Yeah. We\n\nChannel 0: Okay. No.\n\nChannel 1: the whole\n\nChannel 0: Still\n\nChannel 1: market\n\nChannel 0: to do.\n\nChannel 1: with building is definitely not the right time for anything at the moment.\n\nChannel 0: It's difficult. Yes.\n\nChannel 1: Sorry.\n\nChannel 0: And with the changes in the legislation now happening, building is going to be interesting. I think the market's gonna be very oversaturated. Investors everywhere are gonna be building properties. Is there any other kind of goals moving forward that you might be looking to do over the next sort of one to two or even five years? Or\n\nChannel 1: It's definitely reducing my work capacity.\n\nChannel 0: yep.\n\nChannel 1: So I I'll do a couple more years of, like, actual full time work before I\n\nChannel 0: Yep.\n\nChannel 1: semi semi\n\nChannel 0: Yeah. Nice.\n\nChannel 1: retire. Yeah. So a bit more of a work life balance as opposed to just working until I'm 60 and then\n\nChannel 0: Absolutely.\n\nChannel 1: stopping work or 60\n\nChannel 0: Yeah.\n\nChannel 1: five or 67, whatever the government tells us was supposed to be working.\n\nChannel 0: That's okay. Goal wise for retirement,\n\nChannel 1: Yes.\n\nChannel 0: did you want me to work on 60 just to make it easy, give you the option of retiring afterwards?\n\nChannel 1: Yeah. We like, yeah. We we'll literally by the time I'm 50, I will be semi retired.\n\nChannel 0: Yep.\n\nChannel 1: And, yes, just working for enjoyment and funding holidays as opposed to working for yeah. Like, you\n\nChannel 0: Survival.\n\nChannel 1: know, at the moment, growth and paying, yeah, paying\n\nChannel 0: Yep.\n\nChannel 1: mortgages and stuff like that off. Like, it'll be slightly different. So\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: yeah. Because my kids are significantly older now as well. So\n\nChannel 0: Yeah.\n\nChannel 1: I'll be in empty nest about the number 50.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. So it changes the the amount of money that has to come in every week or every month.\n\nChannel 0: Yep. Yep.\n\nChannel 1: Yeah. So happy to still take risks and work while we need to now. Like, that's pretty\n\nChannel 0: Yeah.\n\nChannel 1: much the goal and clear all the debt, and then then we can reassess and decide what to do with all that disposable income that we have.\n\nChannel 0: Absolutely. And you're still teaching your school teacher at primary school take down?\n\nChannel 1: Yes. Yep. I'm still doing that part time and doing other stuff part time,\n\nChannel 0: Yes.\n\nChannel 1: which is great for full time work.\n\nChannel 0: Beautiful. Yeah. Of course. I mean, teaching yourself part time still requires a lot of hours. So\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: no. All good. And you mentioned you've got your business as well. You have a self employed as well?\n\nChannel 1: My husband has a business that\n\nChannel 0: Okay.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Beautiful. Not a problem at all. Lovely. Well, that is everything.\n\nIn the annual review pack, when you do get a chance to run your eyes back over, I've got all those documents that we've gone through today. We've also got\n\nChannel 1: Yeah.\n\nChannel 0: the ongoing service agreement there for you, same as the other years. We do charge the ongoing service fee. It is 1.65% per annum, and then deducting the smaller monthly increments out of your super. The advice, I'll go back and have a look at the super, all the investments, and make some recommendations there for you. Any advice I update is fully complimentary.\n\nWe don't charge anything else. The advice around the super is all part of the ongoing service agreement there for you.\n\nChannel 1: Yep.\n\nChannel 0: But I'll\n\nChannel 1: So\n\nChannel 0: come\n\nChannel 1: you'll\n\nChannel 0: back.\n\nChannel 1: reach out again once you've done\n\nChannel 0: Yep.\n\nChannel 1: some you've looked at the\n\nChannel 0: Research.\n\nChannel 1: figures and things like that. Yeah. And you'll\n\nChannel 0: Yep.\n\nChannel 1: come back,\n\nChannel 0: Yeah.\n\nChannel 1: and\n\nChannel 0: It's\n\nChannel 1: then we can go from there.\n\nChannel 0: absolutely. Yeah. So it just takes a couple of weeks to put the advice together for me to research all the investments\n\nChannel 1: Yeah.\n\nChannel 0: and\n\nChannel 1: That's\n\nChannel 0: have a look\n\nChannel 1: gold.\n\nChannel 0: at what\n\nChannel 1: That's\n\nChannel 0: options\n\nChannel 1: fine.\n\nChannel 0: we\n\nChannel 1: Yep.\n\nChannel 0: can do, and then the advice will go through together when I've got that ready. You'll see the document. You'll then get to take that away, have a read of it, look it over. It'll have the advantages, disadvantages, risks involved for you to consider, and then you get to decide whether you take the advice or not. Okay?\n\nChannel 1: So yeah. No worries.\n\nChannel 0: Fantastic.\n\nChannel 1: Thank you.\n\nChannel 0: That's okay. I I know you are busy. I thank you for your time. I will let you go now. Thank you\n\nChannel 1: Oh,\n\nChannel 0: so much\n\nChannel 1: no. That's\n\nChannel 0: for taking\n\nChannel 1: alright. Yeah.\n\nChannel 0: my call.\n\nChannel 1: I'm doing kid pickup now. So I'm like, I'm trying to have a conversation with my son in the car while listening to you at the same time.\n\nChannel 0: No. You're all good,\n\nChannel 1: Yeah.\n\nChannel 0: Samantha.\n\nChannel 1: No worries.\n\nChannel 0: It's easy. You\n\nChannel 1: So\n\nChannel 0: have\n\nChannel 1: I\n\nChannel 0: a\n\nChannel 1: need\n\nChannel 0: good\n\nChannel 1: to\n\nChannel 0: afternoon.\n\nChannel 1: sign that\n\nChannel 0: Yes. Sorry.\n\nChannel 1: I need to sign that document that you've sent through. Yeah?\n\nChannel 0: Yes. Yes. If you could, that'd\n\nChannel 1: Sign\n\nChannel 0: be fantastic.\n\nChannel 1: that,\n\nChannel 0: Just\n\nChannel 1: and then\n\nChannel 0: whenever\n\nChannel 1: you'll\n\nChannel 0: you got a chance. Yep.\n\nChannel 1: yeah. Yeah. Awesome. Cool. Thank you very much for your time.\n\nI appreciate that.\n\nChannel 0: No. All good. You have a lovely afternoon. Thanks so much for taking my call. Talk to you soon.\n\nAppreciate it.\n\nChannel 1: Okay. Thank you. Bye.\n\nChannel 0: Thanks, Samantha.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.32,"end":0.82,"sentiment":"neutral","sentiment_score":0.03405183181166649}],"sentiment":"neutral","sentiment_score":0.03405183181166649,"channel":1,"num_words":1,"start":0.32,"end":0.82},{"sentences":[{"text":"Hi, Samantha.","start":1.52,"end":2.32,"sentiment":"neutral","sentiment_score":0.14067590981721878},{"text":"It's Dana from OCU Financial.","start":2.32,"end":4.02,"sentiment":"neutral","sentiment_score":0.19382146298885344},{"text":"How are you this afternoon?","start":4.08,"end":5.22,"sentiment":"neutral","sentiment_score":0.2640992432832718}],"sentiment":"neutral","sentiment_score":0.21424627924958864,"channel":0,"num_words":12,"start":1.52,"end":5.22},{"sentences":[{"text":"I'm good.","start":5.7599998,"end":6.24,"sentiment":"positive","sentiment_score":0.5658492147922516},{"text":"Thank you.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.6393836140632629},{"text":"How are you?","start":6.64,"end":7.54,"sentiment":"positive","sentiment_score":0.3644176224867503}],"sentiment":"positive","sentiment_score":0.5005312178816114,"channel":1,"num_words":7,"start":5.7599998,"end":7.54},{"sentences":[{"text":"Very well.","start":7.9199996,"end":8.48,"sentiment":"positive","sentiment_score":0.5165998041629791},{"text":"Thank you.","start":8.48,"end":8.96,"sentiment":"positive","sentiment_score":0.6137967109680176},{"text":"I had to book in to go through your annual review today.","start":8.96,"end":11.2,"sentiment":"neutral","sentiment_score":0.23267624403039613},{"text":"Is now still a good time there for you?","start":11.2,"end":13.299999,"sentiment":"neutral","sentiment_score":0.23909631868203482}],"sentiment":"neutral","sentiment_score":0.2881909930706024,"channel":0,"num_words":25,"start":7.9199996,"end":13.299999},{"sentences":[{"text":"Yeah.","start":13.785,"end":14.025,"sentiment":"neutral","sentiment_score":0.1804630011320114},{"text":"That's fine.","start":14.025,"end":14.505,"sentiment":"neutral","sentiment_score":0.2859080582857132},{"text":"Thank you.","start":14.505,"end":15.245,"sentiment":"positive","sentiment_score":0.5034423172473907}],"sentiment":"positive","sentiment_score":0.35183275043964385,"channel":1,"num_words":5,"start":13.785,"end":15.245},{"sentences":[{"text":"No worries at all.","start":15.695,"end":16.815,"sentiment":"neutral","sentiment_score":0.1724629569798708},{"text":"And how's your day being so far?","start":16.815,"end":18.675,"sentiment":"neutral","sentiment_score":0.20053156358855112}],"sentiment":"neutral","sentiment_score":0.190324797549031,"channel":0,"num_words":11,"start":15.695,"end":18.675},{"sentences":[{"text":"Busy.","start":20.505,"end":21.005,"sentiment":"neutral","sentiment_score":0.1885579228401184}],"sentiment":"neutral","sentiment_score":0.1885579228401184,"channel":1,"num_words":1,"start":20.505,"end":21.005},{"sentences":[{"text":"All good.","start":22.654999,"end":23.295,"sentiment":"neutral","sentiment_score":0.2831912636756897},{"text":"I'll try to take up too much of your time.","start":23.295,"end":24.974998,"sentiment":"neutral","sentiment_score":-0.12493748469278217},{"text":"I can see here that you're driving at the moment.","start":24.974998,"end":26.895,"sentiment":"neutral","sentiment_score":0.005471645365469157},{"text":"Is that right?","start":26.895,"end":27.795,"sentiment":"neutral","sentiment_score":0.040098126977682114}],"sentiment":"neutral","sentiment_score":-0.02031925939954817,"channel":0,"num_words":25,"start":22.654999,"end":27.795},{"sentences":[{"text":"Yep.","start":28.380001,"end":28.880001,"sentiment":"neutral","sentiment_score":0.04843216761946678}],"sentiment":"neutral","sentiment_score":0.04843216761946678,"channel":1,"num_words":1,"start":28.380001,"end":28.880001},{"sentences":[{"text":"Yep.","start":29.210001,"end":29.45,"sentiment":"neutral","sentiment_score":0.0677797943353653},{"text":"That's okay.","start":29.45,"end":30.01,"sentiment":"neutral","sentiment_score":0.14304274320602417},{"text":"Not a problem.","start":30.01,"end":30.65,"sentiment":"neutral","sentiment_score":0.1783373753229777},{"text":"I did send you an email to you.","start":30.65,"end":32.09,"sentiment":"neutral","sentiment_score":0.16040503419935703},{"text":"This is some annual review documents for you to review there.","start":32.09,"end":34.99,"sentiment":"neutral","sentiment_score":0.12158709358085286}],"sentiment":"neutral","sentiment_score":0.14038302838802338,"channel":0,"num_words":25,"start":29.210001,"end":34.99},{"sentences":[{"text":"What I'll do to make it easier on you, I'll go through everything that we need to up to all these circumstances, have a look at any new advice needs to be provided there, and then you're able to have a look at those a bit later when you've got time.","start":35.21,"end":47.235,"sentiment":"neutral","sentiment_score":0.1515985927453228},{"text":"How does that sound?","start":47.235,"end":48.295002,"sentiment":"neutral","sentiment_score":0.08566973730921745}],"sentiment":"neutral","sentiment_score":0.14680376689542424,"channel":0,"num_words":55,"start":35.21,"end":48.295002},{"sentences":[{"text":"Yeah.","start":49.225,"end":49.385,"sentiment":"neutral","sentiment_score":0.0864582359790802},{"text":"That's fine.","start":49.385,"end":49.864998,"sentiment":"neutral","sentiment_score":0.13473882526159286},{"text":"I had a quick look at them before I jumped in the car.","start":49.864998,"end":52.445,"sentiment":"neutral","sentiment_score":0.05220599931020003}],"sentiment":"neutral","sentiment_score":0.06466336734592915,"channel":1,"num_words":16,"start":49.225,"end":52.445},{"sentences":[{"text":"Oh, fantastic.","start":52.835,"end":53.575,"sentiment":"neutral","sentiment_score":0.23381760716438293}],"sentiment":"neutral","sentiment_score":0.23381760716438293,"channel":0,"num_words":2,"start":52.835,"end":53.575},{"sentences":[{"text":"Yeah.","start":53.670002,"end":53.91,"sentiment":"neutral","sentiment_score":0.07120546698570251},{"text":"So yeah.","start":53.91,"end":54.79,"sentiment":"neutral","sentiment_score":0.039796359837055206},{"text":"Not everything, but I've had a a quick client that had a couple of them.","start":54.79,"end":58.31,"sentiment":"neutral","sentiment_score":0.0033591545497377714},{"text":"So, yeah, I've got","start":58.31,"end":59.43,"sentiment":"neutral","sentiment_score":0.007239534636028111}],"sentiment":"neutral","sentiment_score":0.01046107470227236,"channel":1,"num_words":22,"start":53.670002,"end":59.43},{"sentences":[{"text":"Yeah.","start":59.17,"end":59.65,"sentiment":"neutral","sentiment_score":-0.031071996316313744}],"sentiment":"neutral","sentiment_score":-0.031071996316313744,"channel":0,"num_words":1,"start":59.17,"end":59.65},{"sentences":[{"text":"a bit","start":59.43,"end":59.75,"sentiment":"neutral","sentiment_score":-0.04460477642714977}],"sentiment":"neutral","sentiment_score":-0.04460477642714977,"channel":1,"num_words":2,"start":59.43,"end":59.75},{"sentences":[{"text":"That's","start":59.65,"end":60.05,"sentiment":"neutral","sentiment_score":-0.1470600068569183}],"sentiment":"neutral","sentiment_score":-0.1470600068569183,"channel":0,"num_words":1,"start":59.65,"end":60.05},{"sentences":[{"text":"of a rough","start":59.75,"end":60.23,"sentiment":"neutral","sentiment_score":-0.21882120768229166}],"sentiment":"neutral","sentiment_score":-0.21882120768229166,"channel":1,"num_words":3,"start":59.75,"end":60.23},{"sentences":[{"text":"okay.","start":60.05,"end":60.55,"sentiment":"neutral","sentiment_score":-0.2008388191461563}],"sentiment":"neutral","sentiment_score":-0.2008388191461563,"channel":0,"num_words":1,"start":60.05,"end":60.55},{"sentences":[{"text":"idea.","start":60.23,"end":60.73,"sentiment":"neutral","sentiment_score":-0.13744965195655823}],"sentiment":"neutral","sentiment_score":-0.13744965195655823,"channel":1,"num_words":1,"start":60.23,"end":60.73},{"sentences":[{"text":"No worries at all.","start":61.65,"end":63.11,"sentiment":"neutral","sentiment_score":-0.016881274990737438},{"text":"Before we jump into the call and I start going through all the details, I do have to let you know, moving forward, we do record our calls for quality and training purposes.","start":63.329998,"end":69.89,"sentiment":"neutral","sentiment_score":0.02857433586861148},{"text":"Are you 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that?","start":73.565,"end":74.045006,"sentiment":"neutral","sentiment_score":0.19209197908639908},{"text":"Fantastic.","start":74.045006,"end":74.545006,"sentiment":"positive","sentiment_score":0.39858537912368774},{"text":"And just to do a quick security check there with you just to confirm your full name, your date of birth, and address that I should have on file left for you.","start":74.925,"end":81.345,"sentiment":"neutral","sentiment_score":0.1682341555133462}],"sentiment":"neutral","sentiment_score":0.1761789232492447,"channel":0,"num_words":35,"start":73.565,"end":81.345},{"sentences":[{"text":"Samantha","start":82.4,"end":82.88,"sentiment":"neutral","sentiment_score":0.03494325652718544}],"sentiment":"neutral","sentiment_score":0.03494325652718544,"channel":1,"num_words":1,"start":82.4,"end":82.88},{"sentences":[{"text":"Yep.","start":82.62,"end":83.12,"sentiment":"neutral","sentiment_score":0.03397367522120476}],"sentiment":"neutral","sentiment_score":0.03397367522120476,"channel":0,"num_words":1,"start":82.62,"end":83.12},{"sentences":[{"text":"k Brenthouse.","start":82.88,"end":83.62,"sentiment":"neutral","sentiment_score":0.025267929770052433},{"text":"My date of birth is twenty third of the fourth nineteen eighty one, and my address is 55 Ollieanda Drive, Youngerboro 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The speakers emphasize the importance of updating the portfolio and avoiding negative returns. They also discuss the high growth environment and the need for volatility to take advantage of it. The speakers emphasize the importance of reducing risk levels and maintaining a stable portfolio for a potential downturn. They provide advice on limiting risk levels and working on retirement plans, investments, and employment."},"intents":{"segments":[{"text":"I had to book in to go through your annual review today. Is now still a good time there for you? Yeah.","start_word":24,"end_word":45,"intents":[{"intent":"Inquire about status","confidence_score":0.000017580805},{"intent":"Book review","confidence_score":0.033075422}]},{"text":"yeah, I'm intrigued because it feels like my husband's portfolio is far catching up to mine, and Yeah. I had a significant jump in front of his. 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And there definitely are other portfolios out there that are working harder and have seen greater levels of returns.","start_word":2536,"end_word":2569,"intents":[{"intent":"Reflect on current situation","confidence_score":0.0010290629}]},{"text":"changes that we could definitely make, and I'd love to update that for you, give you a projection, to show you what we're expecting over the next sort of five to ten years and where we're sort of tracking, and then we'll keep track of it and see what's, you know, happening for you and make alterations Yeah.","start_word":2589,"end_word":2646,"intents":[{"intent":"Update portfolio information","confidence_score":0.047323294},{"intent":"Maintain track of portfolio changes","confidence_score":0.00037534133}]},{"text":"With the high growth environment, you said you're sort of happy to stay with that higher risk at the moment, seeking the volatility to take advantage of the market ups and downs. Yeah.","start_word":2652,"end_word":2684,"intents":[{"intent":"Understand market expectations","confidence_score":0.00016742635},{"intent":"Evaluate income flexibility","confidence_score":0.000035169167}]},{"text":"Do you know what I mean? Like, I'm not I'm not 55, approaching 60. I still got that time up my place to recuperate. So I'm I'm okay with that that risk at the Yep. moment.","start_word":2791,"end_word":2826,"intents":[{"intent":"Advise on retirement and recover from financial crises","confidence_score":3.4379003e-11}]},{"text":"So to be for '55 and seeing a 20% drop with a balance of, you know, 5 or 6 or $800,000 could have a much more significant effect on you than it could on someone who has only, say, 50 or 60 k in a super Yes. account.","start_word":3028,"end_word":3075,"intents":[{"intent":"Maintain portfolio balance","confidence_score":0.0031806869}]},{"text":"So with your life insurance there, the sum insured you're covered for for life and total permanent disability at the moment.","start_word":3626,"end_word":3646,"intents":[{"intent":"Cover life insurance","confidence_score":0.44859394}]},{"text":"event of a life and TDD, what is it that you're sort of wanting that to cover?","start_word":3652,"end_word":3668,"intents":[{"intent":"Clarify needs for coverage","confidence_score":0.0002028557},{"intent":"Determine coverage requirements","confidence_score":0.009296572}]},{"text":"event of a life and TDD, what is it that you're sort of wanting that to cover? What's your main goal with those insurances?","start_word":3652,"end_word":3675,"intents":[{"intent":"Determine main purpose of coverage","confidence_score":0.014207877},{"intent":"Determine main purpose of coverage","confidence_score":0.14113927}]},{"text":"What's your main goal with those insurances?","start_word":3669,"end_word":3675,"intents":[{"intent":"Determine primary purpose","confidence_score":0.11137668},{"intent":"Determine primary purpose","confidence_score":0.0045225336}]},{"text":"properties are all owned outright. No debt with our business.","start_word":3749,"end_word":3758,"intents":[{"intent":"Confirm ownership of properties","confidence_score":0.0023024334}]},{"text":"So our financial position has secured considerably, so there's no reason for me to have to up my life insurance.","start_word":3812,"end_word":3831,"intents":[{"intent":"Determine financial position","confidence_score":0.02512835}]},{"text":"So if you leave the money in super, it's not physically taxed, and we can do things and provide advice to help limit the tax and get uplifts and things like that as well. So we would always help yeah.","start_word":4336,"end_word":4375,"intents":[{"intent":"Discuss tax limit and uplifts","confidence_score":0.00051059166}]},{"text":"So if you leave the money in super, it's not physically taxed, and we can do things and provide advice to help limit the tax and get uplifts and things like that as well. So we would always help yeah. you to make sure we limit that as much as possible. Yeah.","start_word":4336,"end_word":4387,"intents":[{"intent":"Provide compensation","confidence_score":0.00010712332}]},{"text":"Is All there good. anything else that we need to cover, or is that pretty much? Yep.","start_word":4404,"end_word":4420,"intents":[{"intent":"Address insurance coverage","confidence_score":0.0010558189}]},{"text":"anything else that we need to cover, or is that pretty much? Yep.","start_word":4408,"end_word":4420,"intents":[{"intent":"Request additional coverage","confidence_score":0.001049403}]},{"text":"Or Could you possibly take it up to the threshold of the 135?","start_word":4667,"end_word":4679,"intents":[{"intent":"Determine threshold for income protection","confidence_score":0.0070510735}]},{"text":"then if my income is a 135,000, then it'll be 75% of that, which will hit that 100,000, which will probably cover everything. Yeah.","start_word":4736,"end_word":4759,"intents":[{"intent":"Increase income","confidence_score":0.19157395}]},{"text":"will just need to maybe get one of the team members to give you a call to run through a bit of a quick pre assessment in the next couple of days. Is there maybe an afternoon next week that I could get someone to give you a call and just run through that just to make sure there's no additional plans or anything that we need to flag that could be added or changed in the policy? Yeah.","start_word":4828,"end_word":4906,"intents":[{"intent":"Request pre assessment","confidence_score":0.06459779}]},{"text":"I'll get someone to give you a file, probably, within Monday afternoon, if that's okay. Any Yep.","start_word":4923,"end_word":4939,"intents":[{"intent":"Provide file","confidence_score":0.069533}]},{"text":"What kind of value would you put on each of those property?","start_word":5109,"end_word":5120,"intents":[{"intent":"Inquire about property value","confidence_score":0.0059007667},{"intent":"Clarify mortgage value","confidence_score":0.003514612},{"intent":"Confirm asset details","confidence_score":0.0013452945}]},{"text":"And I've got your main primary residence down. Rough valuation last year of 1.2 so 12 yeah. 1,250,000 as in here. What sort of Yeah.","start_word":5129,"end_word":5153,"intents":[{"intent":"Confirm address","confidence_score":0.019608878},{"intent":"Identify primary residence","confidence_score":0.001239729}]},{"text":"Mortgage is down to about 620. Has it kind of reduced a little bit further there at the moment?","start_word":5173,"end_word":5191,"intents":[{"intent":"Ask about mortgage status","confidence_score":0.00004648986}]},{"text":"You had about 25,000 cash in the bank as well. Do you still have that end or has that changed at all? Yeah.","start_word":5202,"end_word":5224,"intents":[{"intent":"Confirm balance","confidence_score":0.007839893},{"intent":"Confirm cash in bank","confidence_score":0.032158274}]},{"text":"And I have it down here that you guys do have a will and have attorney all set up. Is that still current and reflecting your wishes? Yes.","start_word":5347,"end_word":5374,"intents":[{"intent":"Confirm will and attorney","confidence_score":0.012304529}]},{"text":"And those investment properties that you do now have, I have it that you've been inherited the two. They are completely debt free. You don't have any loans with any of those? No.","start_word":5387,"end_word":5419,"intents":[{"intent":"Confirm ownership of investments","confidence_score":0.00022586036},{"intent":"Remind about inherited investments","confidence_score":0.000030758158}]},{"text":"And those investment properties that you do now have, I have it that you've been inherited the two. They are completely debt free. You don't have any loans with any of those? No. That's beautiful. And I can see that you're also building an investment property as well.","start_word":5387,"end_word":5434,"intents":[{"intent":"Confirm interest in investment properties","confidence_score":0.008813383}]},{"text":"Is there any other kind of goals moving forward that you might be looking to do over the next sort of one to two or even five years?","start_word":5510,"end_word":5537,"intents":[{"intent":"Assess financial goals","confidence_score":0.0026897392}]},{"text":"I mean, teaching yourself part time still requires a lot of hours. So Yeah.","start_word":5821,"end_word":5834,"intents":[{"intent":"Inform about daily activities","confidence_score":0.000055821154}]},{"text":"So I'm like, I'm trying to have a conversation with my son in the car while listening to you at the same time. No.","start_word":6172,"end_word":6195,"intents":[{"intent":"Scheduling conversation","confidence_score":0.00006160249}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Samantha. It's Dana from OCU Financial. How are you this afternoon?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.18901097774505615},{"text":"I'm good. Thank you. How are you? Very well. Thank you.","start_word":13,"end_word":23,"sentiment":"positive","sentiment_score":0.5279005765914917},{"text":"I had to book in to go through your annual review today. Is now still a good time there for you? Yeah. That's fine.","start_word":24,"end_word":47,"sentiment":"neutral","sentiment_score":0.23613521456718445},{"text":"Thank you.","start_word":48,"end_word":49,"sentiment":"positive","sentiment_score":0.484655499458313},{"text":"No worries at all. And how's your day being so far? Busy. All good. I'll try to take up too much of your time. I can see here that you're driving at the moment. Is that right? Yep. Yep. That's okay. Not a problem. I did send you an email to you. This is some annual review documents for you to review there. What I'll do to make it easier on you, I'll go through everything that we need to up to all these circumstances, have a look at any new advice needs to be provided there, and then you're able to have a look at those a bit later when you've got time. How does that sound? Yeah. That's fine. I had a quick look at them before I jumped in the car. Oh, fantastic. Yeah. So yeah. Not everything, but I've had a a quick client that had a couple of them. So, yeah, I've got Yeah. a bit That's of a rough okay. idea. No worries at all. Before we jump into the call and I start going through all the details, I do have to let you know, moving forward, we do record our calls for quality and training purposes. Are you happy Yeah. for That's me fine. to proceed Thank with you. that?","start_word":50,"end_word":267,"sentiment":"neutral","sentiment_score":0.07557374238967896},{"text":"Fantastic.","start_word":268,"end_word":268,"sentiment":"positive","sentiment_score":0.39858537912368774},{"text":"And just to do a quick security check there with you just to confirm your full name, your date of birth, and address that I should have on file left for you. Samantha Yep. k Brenthouse. My date of birth is twenty third of the fourth nineteen eighty one, and my address is 55 Ollieanda Drive, Youngerboro 4884.","start_word":269,"end_word":326,"sentiment":"neutral","sentiment_score":0.10464179515838624},{"text":"Lovely. Thank you so much for that.","start_word":327,"end_word":333,"sentiment":"positive","sentiment_score":0.5291339159011841},{"text":"So just before I sort of jump into things, I is there anything that kinda came out question wise or anything particular you wanted to sort of touch on this time of the annual review? Or Yeah. Because in my head, I'd kinda probably worked out that I should've been sitting. I'd anticipated it'd be closer to the $400,000 mark Mhmm. for where it should be sitting, but, obviously, it has not landed there. So whether I kind of have been calculated stuff or not. So, Mhmm. yeah, I'm intrigued because it feels like my husband's portfolio is far catching up to mine, and Yeah. I had a significant jump in front of his. So, yeah, I'm just I'm querying kind of because it was making quite good traction there for a while, and it seems to I don't know. Maybe flunked a little bit. So Yeah. No. definitely looking Understandable. at that. Yeah. Absolutely. Yeah. Well, I'll jump into that first step for you. So having a little bit a look back at your annual review last year, in April there, your balance was about 316,286 and 13<unk> there. I'm looking at where Oh, things okay. So are it must as have been lower than I thought. Yeah. Okay. Alright. yeah. That's okay.","start_word":334,"end_word":548,"sentiment":"neutral","sentiment_score":-0.019644188742304957},{"text":"You're absolutely fine.","start_word":549,"end_word":551,"sentiment":"positive","sentiment_score":0.45844167470932007},{"text":"The balance as of yesterday's date, we had 317,618 and 55<unk> there. So when I sort of have a look at the HUB24 before and sort of fund the portfolio as a whole, majority of your investments have performed really nicely. Obviously, this year, we have seen quite a lot of market volatility, which has had an effect on equity. So the Sorry. markets Can I have just been stop very you there up for and a minute? down. Sorry. Sure. What's my balance at the moment? At the moment, we have 377,618. Okay. Sorry. I thought you said and Yeah. then I thought you said 317, and I was like, No. oh, should I just better double check that? No. That Yeah. okay. So No. that's then performed better than I thought because I thought it was closer to, like, the $3.30. But yeah. No. That's cool. So it's at three seventy. It's at seventy seven. Okay.","start_word":552,"end_word":710,"sentiment":"neutral","sentiment_score":0.02490057237446308},{"text":"Perfect.","start_word":711,"end_word":711,"sentiment":"positive","sentiment_score":0.348574161529541},{"text":"Yeah. Yep. 377 and 618. Yes. So sorry Yep. about that. No. No. That's alright. No. It's I'm in a bad network area as well, and it's Telstra. So That's okay.","start_word":712,"end_word":740,"sentiment":"neutral","sentiment_score":-0.07166667256889672},{"text":"That's not a problem at all.","start_word":741,"end_word":746,"sentiment":"positive","sentiment_score":0.3635271489620209},{"text":"So, essentially, when I look at things as a total, your portfolio after fees has made a 4.23% return. Look. In all honesty, it is a bit lower than where I would have expected for the portfolio to sort of performed within the range that you're at, but it is Yes. also because of what's happened this year. Obviously, the war between The US and Iran has had a bit of an effect on equities. The market has seen some very big highs and lows, especially around March and April this year, which is when the highs of all that was sort of happening. There was Yes.","start_word":747,"end_word":853,"sentiment":"neutral","sentiment_score":-0.09648915380239488},{"text":"some really big sell offs from the market, and the biggest thing is the the biggest downturns are, of course, because people see things in the news. Investors get really nervous, and they start to sell their investments out.","start_word":854,"end_word":892,"sentiment":"negative","sentiment_score":-0.3685534596443176},{"text":"So Yeah. that has caused a bit of up and down there. I have some tools that I utilize to sort of see what is expected over the course of the next month, and one of those is really cool. It's called the VIX index, and it sort of tracks what's happening with the S and P 500 and The US top 500 companies, and it sort of works upon where that is tracking and essentially what we expect to see volatility wise. When the VIX index is under 20%, we sort of hope and expect that markets are gonna be a little bit more stable. When the VIX index gets over 20%, then we start to expect very heavy volatility. The good news Yep. with that is that it hasn't been over that 20% mark since around about June. So around that the June 10 was the last time we saw it hit that 20% mark. Ever since then, it has been lower, under 20%. And at the moment, it's at one of the lowest points it has been for a while. So it is Yeah.","start_word":893,"end_word":1079,"sentiment":"neutral","sentiment_score":0.03289676457643509},{"text":"really good to see.","start_word":1080,"end_word":1083,"sentiment":"positive","sentiment_score":0.6023786664009094},{"text":"It does show that things are evening out a little bit to the market, and it does kind of with what we're sort of seeing at the moment, most people are a bit over US and Iran war. It's sort of how it's affecting the market. We sort of stick about hearing it now. We just want everything to get back to normal, Yeah. and Okay. so it's not really having as big of an effect as what we expect. But in saying that you are in a high growth portfolio, Yeah. so I would, you know, to be expecting oh, what we're sort of aiming to try and get from a high growth environment is on a yearly basis around about eight to 10% of returns, and that's where you're sort of Yeah. hoping to get every year. Yeah. It doesn't always Yeah. happen, and I know last year your returns were a little bit lower there as well. So Yeah. it's the same one of those years a bit volatile, I think. We're probably seeing the most volatility in market history over the last four to six years with COVID happening and everything kind of happening after that. Prior to '20 Yeah. '20, the market had a really good run of about ten years of fantastic returns, so we're definitely living in a very volatile environment. One of the things that is kinda coming out, and we get to talk to economists and things moving forward, they are sort of hinting at, you know, high inflation to stick around till at least the end of this year. Hopefully, you know, hopefully not, but they are kind of expecting a high inflationary pressure to stick around, and that can also have a bit of an effect, especially on the sensitive and back of life bonds. So we'll just sort of watch to see what's happening there. But Yes. I I know some people do prefer a dollar fee as opposed to a percentage. So to give you a bit of an idea, the earnings within your portfolio, the growth and the income, over the last twelve months has equated to $22,486.17.","start_word":1084,"end_word":1445,"sentiment":"neutral","sentiment_score":0.02426774986088276},{"text":"So whilst your return is lower than what I'd be expecting for the year, it is still has still been very good, and it has still added to what's been going on and has built your portfolio up quite nicely for the year.","start_word":1446,"end_word":1488,"sentiment":"positive","sentiment_score":0.6263291239738464},{"text":"I Yeah. definitely So that's wanna that's kinda keep not my contributions yeah. as well as that. That's just the No. investment. It's that's correct. Yeah. It's So just focusing yes. on the income and the growth that is generated out of the portfolio. So it is Yeah. net Yep. of contributions, which is good because we wouldn't want that would essentially be mostly your contributions there with what your salary Yeah. sacrificing plus you put again. So no. Completely Yeah. understand. No. I'm I guess from You're my right. perspective is I really was kind of in my head, I was hoping that it was gonna hit that. And I imagine if it had it had the 10% or closer to the 10% or even 8% interest, Yep. it would have hit that 400,000 mark a little bit closer. Yes. Because, essentially, once I get over that the whole thing with compounding interest is once I get over that $400,000 mark, it's gonna start growing exponentially whether I'm Oh, putting a absolutely. lot of extra contributions into it or not. Yes. Do you know Absolutely. what I mean? Like so Yep. if I've got Yep. a 400 Correct. thousand dollar portfolio, I am making, you know, eight to 10%, I'm getting $40 in growth every Mhmm. year. Ten years, that's 400,000. Like so Mhmm. I was kind Yes. of that that Correct. was in my head. I was kinda like, fuck. Alright. I was really hoping it was gonna Yep. nail that for me. Yep. Yeah. So I just I had a couple of good years, obviously, once I moved over to you guys, but then there's Yeah. definitely been a couple of not so great ones, which, like I said, Yep. I've been like, shit. Yeah. And Yeah. and to to make it important as well, it's not just you. It's every super fund out there.","start_word":1489,"end_word":1806,"sentiment":"neutral","sentiment_score":-0.004754256808532859},{"text":"This year has been volatile for everyone. It's not something Yeah. anyone can control as such.","start_word":1807,"end_word":1822,"sentiment":"negative","sentiment_score":-0.37749049067497253},{"text":"What Yeah. I would like to maybe do is I would like to maybe go back and have a look at your portfolio because you have been in this portfolio since you came on board.","start_word":1823,"end_word":1857,"sentiment":"neutral","sentiment_score":0.252994179725647},{"text":"And like you said, it has provided some great returns there.","start_word":1858,"end_word":1868,"sentiment":"positive","sentiment_score":0.6267080307006836},{"text":"But every so often, it is really important to update your portfolio and maybe look at some investments that might not be tracking properly, maybe look at, you know, readjusting some investments to make sure it's underperforming, that you're in the best performing portfolio. Did you want Yeah. me to go back and maybe have a look at those for you, Yeah. maybe I'm update I'm the advice completely and make a open recommendation? to that. Yeah. Yeah.","start_word":1869,"end_word":1946,"sentiment":"neutral","sentiment_score":0.09185531735420228},{"text":"Like Beautiful.","start_word":1947,"end_word":1948,"sentiment":"positive","sentiment_score":0.37652167677879333},{"text":"I said, because it's not it's got a decent amount of money in it. You know? Like, Yeah. for for my age, it's not you know, I would expect them, you know, if I, you know, bid it out with that.","start_word":1949,"end_word":1989,"sentiment":"neutral","sentiment_score":0.1150018945336342},{"text":"But it's I still have pretty decent portfolio.","start_word":1990,"end_word":1997,"sentiment":"positive","sentiment_score":0.4518517255783081},{"text":"Do you know what I mean? Like, pretty close to 400 Absolutely. thousand Yeah. with, on paper, potentially twenty years of work and earning potential, which I'm probably not gonna stick out that long. But do you know what I mean? Like, if so, Yep. from a working perspective, technically, on paper, it looks like I'm just over halfway through my working life. Yep. You know? Like, I was like I said to myself, and I'm like, it it seems pretty decent. Like, I was like, if I get to that 400,000 mark, I'm like, I'd be pretty happy. Like Yeah.","start_word":1998,"end_word":2098,"sentiment":"neutral","sentiment_score":0.13957391679286957},{"text":"Not correct.","start_word":2099,"end_word":2100,"sentiment":"negative","sentiment_score":-0.3449886739253998},{"text":"yeah. So because like I said, it will just you know, it's always like that first 100,000 is always really hard to make, and then that first million Oh, is really hard to absolutely. make. And Yeah. Definitely. Well, to give you a little bit of an idea, sort of based on your age and stages where you're at, the average super balance for a female, I'm not kidding, is about a 158,331. Yes.","start_word":2101,"end_word":2174,"sentiment":"neutral","sentiment_score":-0.06776153880196649},{"text":"So your super balance is well and truly higher than that. You're definitely saving the average.","start_word":2175,"end_word":2190,"sentiment":"positive","sentiment_score":0.6871978640556335},{"text":"And, honestly, with with a little bit more market volatility, so long as we can sort of take advantage of things and get the portfolio working a bit harder for you, Yeah. I would definitely expect you to hit that $400,000 mark by the end of you know, if not the end of this year, early next year. So in the next twelve months, you should be over that hump. Yeah. Yeah. In saying that if something happens, if you know, Trump goes over another country, there is the risk of some sort of downturn. Yeah. And But that's if that's that one does of those happen things that it just yeah. yeah. Yeah.","start_word":2191,"end_word":2304,"sentiment":"neutral","sentiment_score":0.14351613819599152},{"text":"Well, if that does happen, we'll get excited, and we'll keep investing, and we'll take advantage of that. So when the market comes back out, we'll have made some really great positive growth in that time frame.","start_word":2305,"end_word":2341,"sentiment":"positive","sentiment_score":0.470882385969162},{"text":"So Yeah. Yeah. yeah. But no. I completely Yeah. understand And where I'm you're coming from. Yeah. yeah. I kinda just want to get to the point where so while I'm in my, you know, mid to late forties, I'm happy to and I'm still working fairly consistently. I Yeah. want to keep making as many gains Yeah. as I can so that when I kind of walk into that 50 and my work is less, I'm obviously not gonna be making as many contributions. Yes. But I want that portfolio to maybe not have as much high volatility, maybe just pay it back a little bit, but just Yes. keep ticking over. Like, Yes. just Cool. the money Yeah. that's in the bank is just, you know so Mhmm. like I said, you know, if I'm getting 8% or whatever it is on, you know, 400,000, in the ten years from 50 to 60, it's, you know, doubling my money essentially for me. So Yeah. Absolutely. No. Definitely. And yeah. that's exactly the way we want this to work and how we structure the portfolio to generally work. But because you have Yeah. been on board since the I believe 2022, this is much of an older portfolio. And there definitely are other portfolios out there that are working harder and have seen greater levels of returns. So I'd love Yeah. to go back. I had a look at everything individually. I can see some Yeah. changes that we could definitely make, and I'd love to update that for you, give you a projection, to show you what we're expecting over the next sort of five to ten years and where we're sort of tracking, and then we'll keep track of it and see what's, you know, happening for you and make alterations Yeah. as we get there. Yeah. With the high growth environment, you said you're sort of happy to stay with that higher risk at the moment, seeking the volatility to take advantage of the market ups and downs. Yeah. Are you I'm still I'm happy okay to with that. Yeah. yep. Yep. Yeah.","start_word":2342,"end_word":2698,"sentiment":"neutral","sentiment_score":0.12157694072950452},{"text":"Beautiful. So with this you're right. You're good.","start_word":2699,"end_word":2706,"sentiment":"positive","sentiment_score":0.46619799733161926},{"text":"Yeah. Just because I'm like I said, I'm still in my, like, my earning capacity. Like, I'm Mhmm. still, you know, contributing to my super, still getting paid Yeah. super, those kind of things. Yep. So while that money is going in there to kind of offset some of that risk, like, Mhmm. yeah, I'm happy. And I, you know, I don't need to access the that's the other bit. Like, obviously, I can't access it now anyway, even if I wanted to. Yep. Do you know what I mean? Like, I'm not I'm not 55, approaching 60. I still got that time up my place to recuperate. So I'm I'm okay with that that risk at the Yep. moment. Yep. No. Yeah.","start_word":2707,"end_word":2829,"sentiment":"neutral","sentiment_score":0.029598098248243332},{"text":"That's perfect. Perfect.","start_word":2830,"end_word":2832,"sentiment":"positive","sentiment_score":0.445815235376358},{"text":"So just to kinda give you an outgo I don't know if anyone's kind of gone through it all, but just to give you a rundown on the high growth portfolio. So I know you probably heard that you've got a ninety ten split versus growth versus defensive investment, But this portfolio is generally we're trying to attain about a eight to 10% return. And because you are taking more risk in the market, the expected volatility could be plus or minus around that 14% either way. So it does mean that when the portfolio is working really well, the returns could be really high and doing very well, but Yes. the downturns can also be magnified. And like you said, you know, as you get closer to retirement, generally, when you kinda hit that 55 mark, if not just before, with that high growth environment, I try to, at about eight years, start to reduce the risk level back because the Yeah. risk is higher, especially with a higher balance that as you kind of noted, you know, a smaller return has a much greater effect on the balance as it does increase through. So to be for '55 and seeing a 20% drop with a balance of, you know, 5 or 6 or $800,000 could have a much more significant effect on you than it could on someone who has only, say, 50 or 60 k in a super Yes. account. So Yes. it's definitely something when you kinda hit that eight year mark, I would love to start moving things back a little bit. So right now, high growth environment does realistically suit where you're at. We do expect the Yes. likelihood of a negative return kind of one in every five years, but we wanna take advantage of those downtimes and keep investing and building and buy into the discounted investment rates there as well. Yep. And with this sort of portfolio and environment, just as I say, compounding it forward and making sure it does continue to work and reevaluating the investments on a regular basis to make sure you stay in the curve, following the trends, and making sure we stay up to date with what's happening in the market as well. So Yes. this profile definitely suits where you're at at the moment.","start_word":2833,"end_word":3222,"sentiment":"neutral","sentiment_score":0.017201317727374724},{"text":"Uncomfortable for you to stay there.","start_word":3223,"end_word":3228,"sentiment":"negative","sentiment_score":-0.6418175101280212},{"text":"When you think about the risk level, if you were to say, look at it at a five, realistically, it's about a four out of five. So you know it's the highest. You still have some defensive assets, which is good for taking advantage and having some downside protection, but there Yeah. is still a lot of risk involved there. So if Yeah.","start_word":3229,"end_word":3291,"sentiment":"neutral","sentiment_score":-0.04016978737144243},{"text":"you're comfortable in that environment, you're all good with that.","start_word":3292,"end_word":3301,"sentiment":"positive","sentiment_score":0.34654149413108826},{"text":"Any questions that have come out Yeah. of it? Yeah.","start_word":3302,"end_word":3311,"sentiment":"neutral","sentiment_score":0.05524791404604912},{"text":"And that's I'm all good with that.","start_word":3312,"end_word":3318,"sentiment":"positive","sentiment_score":0.4108353555202484},{"text":"So it still turned around, you know, just under 5% or whatever, which, yeah, Yeah. like I said, isn't Yep. ideal, but it's still making $20, which is Abs that's fine. absolutely. Like, you know Yeah. yeah. So, Yep. No. no, Absolutely. I'm okay with that. Yeah. Yep.","start_word":3319,"end_word":3366,"sentiment":"neutral","sentiment_score":0.10528318583965302},{"text":"That's Beautiful. fine.","start_word":3367,"end_word":3369,"sentiment":"positive","sentiment_score":0.5293169617652893},{"text":"And that's $4.2.63 percent. As I said, it is also a net return. So it's after the fees are being taken into account. There's our ongoing service fee as well as any admin fees and things for the funds.","start_word":3370,"end_word":3408,"sentiment":"neutral","sentiment_score":0.19318552315235135},{"text":"So whilst it is definitely lower, it's still a positive return.","start_word":3409,"end_word":3419,"sentiment":"positive","sentiment_score":0.4314760267734528},{"text":"We have seen actually when we were sort of looking at things around about March and April, there were a lot of other portfolios and other funds that that were returning negative returns. They had seen quite a very heavy drop. So in all honesty, to come Yes. out of this year and still have a positive return, it sort of means that before that market volatility hit, you're super well on track to kinda have a really good positive 10 or plus percent return, and that is Yeah. down by that volatility we saw was what kind of pulled it back a little bit. Again, Yeah. I can see some investments here that might be underperforming a little bit as well, and I do wanna reevaluate the entire portfolio for you, readjusting Yeah. to make Yeah. sure it's continuously building and working and compounding for you. Yeah. No. Thanks.","start_word":3420,"end_word":3569,"sentiment":"neutral","sentiment_score":0.008192140609025955},{"text":"Perfect. All good.","start_word":3570,"end_word":3572,"sentiment":"positive","sentiment_score":0.3614248037338257},{"text":"Do you have any other questions about the super, the investments, or anything I just No. kinda gone I think through that's for that's you? okay because Yeah. my my life insurance, everything is still all runs up through that and stuff as Yeah. well, doesn't it? Yeah. Yeah.","start_word":3573,"end_word":3621,"sentiment":"neutral","sentiment_score":0.0401628278195858},{"text":"Perfect.","start_word":3622,"end_word":3622,"sentiment":"positive","sentiment_score":0.33537793159484863},{"text":"Absolutely. Yes. So with your life insurance there, the sum insured you're covered for for life and total permanent disability at the moment. You've got $1,248,806.04. In the Yes. event of a life and TDD, what is it that you're sort of wanting that to cover? What's your main goal with those insurances? Probably just cover a small portion of it will cover the last of the mortgage. Yep.","start_word":3623,"end_word":3691,"sentiment":"neutral","sentiment_score":0.1211899310566377},{"text":"But the rest would essentially be just for my my children just to be able like, Yes. it'll be a longevity kind of thing.","start_word":3692,"end_word":3715,"sentiment":"positive","sentiment_score":0.5311955213546753},{"text":"So, you know, as the Yes. years have progressed, obviously, loans have gotten smaller, paid off less. We only have a small amount left on our home. All of our Oh, other perfect. properties are all owned outright. No debt with our business. Yeah. So our second sense have changed slightly. Like, my husband's parents have both passed away in the last twelve months, so Yep. we've inherited. Oh, I'm so sorry. Yeah. Yeah. No. It's been a it's been a really a shit year, but that's okay. But we've inherited Yeah. two properties from that. So our financial position has secured considerably, so there's no reason for me to have to up my life insurance. If anything, it's probably a little bit of overkill at the moment, but we'll just leave it there Yep. for the time being because shit happens Yep. in the cost of living. And I'm not quite sure a million dollars by quite what it used to. It really doesn't, honestly. Somebody used to But retire we on a million dollars. Now you're like, if I want a million dollars on a lot, I'm probably still gonna have to work. Like yep. Yep. yeah.","start_word":3716,"end_word":3914,"sentiment":"neutral","sentiment_score":-0.1061837077140808},{"text":"So I'm happy to just kinda leave that there because Yep.","start_word":3915,"end_word":3925,"sentiment":"positive","sentiment_score":0.33356964588165283},{"text":"as long as that's covered. But it doesn't really need to go to anything as opposed to when I started. Like, there was obviously Yep. a lot of debt that needed to be covered or, you know, at Yes. least allowed for. Yep. So that policy is on top of in the event of death, on top of the super account as well, isn't it? That is correct. Yes. So your super benefit, currently, the $3.77, is also paid out to your beneficiaries as part of your life cover. Add it into And with your TBD, I mean, for the permanent disability, if you're still technically alive, you suffer some sort of permanent incapacity or permanent disability. And, again, you have that one point two million. And your super loans can be released under TBD as well. The only thing I do is I have to kind of bring up to make sure you're aware of because I don't know if anyone's mentioned this before, but essentially, TBD, if you do take it all as a lump sum, unfortunately, the ATO do get a payment. TBD is claimed that you're under the age of 60. It's actually taxed up to 22%. Yeah. Okay. It's Lockout a is an income, essentially. Yeah. it is. It is.","start_word":3926,"end_word":4140,"sentiment":"neutral","sentiment_score":-0.015774184465408327},{"text":"It's horrible. I don't like it. I think it's the most silliest rule under the planet, but it is technically a tax.","start_word":4141,"end_word":4162,"sentiment":"negative","sentiment_score":-0.5393701791763306},{"text":"So it does mean the amount you are insured for is is not exactly the amount that you're expected to get. So having a higher amount of insured is better for you. Yeah. What Okay. I would So, sort technically, of say out of that million one point two five, that's probably only cleared just under a million. Yeah. Okay. yeah. Your super balance Yeah. is also technically in that as well. So if because we when you do TBD, your Yeah. suit is also released under incapacity. That is added to the TBD benefit amount, and then the 22% taxes are taken. That Okay. is only taken on withdrawal, though. So as an adviser, Yeah. Okay. if you did ever have to claim PPD, we would help you. The taxes up to 22%, and they have this weird Yeah. math calculation based on the agency stage and the, you know, certain figure that they look at to work out the tax. But Yeah. it's it's Yeah. So always only on withdrawal. So if you leave the money in super, it's not physically taxed, and we can do things and provide advice to help limit the tax and get uplifts and things like that as well. So we would always help yeah. you to make sure we limit that as much as possible. Yeah. Yeah. No. That's fine.","start_word":4163,"end_word":4390,"sentiment":"neutral","sentiment_score":-0.029162984537450892},{"text":"So, Perfect. yeah, definitely leave that there then in that point.","start_word":4391,"end_word":4401,"sentiment":"positive","sentiment_score":0.44886982440948486},{"text":"Yep. Yeah. Is All there good. anything else that we need to cover, or is that pretty much? Yep. Yeah. No. Just with your income protection, your monthly benefit, your income, I have you on about a 105,000 per annum. Is that slightly higher and or lower now? No. That's about right. I think it was a 102 or something. It came in at on my Okay. tax file statement. So Yep. that's fine. If we have it around that, it'll hit this financial year might have to go a little bit higher, but, yeah, Yep. we'll just leave it at that for now. That's okay. Because Yeah. with your income protection benefit to be covered for 70% of that income over the 103,000, you are slightly underinsured there at the moment. Hi, Amanda. I'm on hold. Hello? Hi. Can you hear me okay? I'm so sorry. Sorry. I don't know I what think happened then. Sorry. My apologies. that's, I like don't know what happened. no. You're honestly Yeah. fine. Just with the income protection benefit, the monthly benefit you have at the moment is $6,006.81 pretax. It is a little bit underinsured from what you would need to be covered for based on 70% of that 103,000. But it also comes down to if you are not able to work, does anything extra you're pulling from investment properties or maybe your partner's work or your business or anything, does that kind of provide a buffer? Like, did you wanna look at maybe increasing the income protection to make sure you have that 70%? Or Could you possibly take it up to the threshold of the 135? Do you know for how to your look for it? in for Yeah. your income? If we can take it up to the 135 because that's my goal is to get it to that one this year and then hopefully not go away because I don't wanna pay any more tax. But Yeah. yeah. So Yep. then if my income is a 135,000, then it'll be 75% of that, which will hit that 100,000, which will probably cover everything. Yeah. So income protection covers you for about 70% as the maximum there. So if we Yeah. look Okay. to increase to to cover a 135,000, we'd be looking to cover you with a monthly benefit of $99,450 on a monthly basis, essentially. Yes.","start_word":4402,"end_word":4802,"sentiment":"neutral","sentiment_score":-0.016630302752342604},{"text":"Perfect. I can, That's yeah, I can absolutely do that.","start_word":4803,"end_word":4812,"sentiment":"positive","sentiment_score":0.6038373708724976},{"text":"As part of the advice, I can look to increase that for you. I Yep. will just need to maybe get one of the team members to give you a call to run through a bit of a quick pre assessment in the next couple of days. Is there maybe an afternoon next week that I could get someone to give you a call and just run through that just to make sure there's no additional plans or anything that we need to flag that could be added or changed in the policy? Yeah. That's fine. Either a Monday Yeah. afternoon or a Friday afternoon is fine. Yeah. No worries. I'll get someone to give you a file, probably, within Monday afternoon, if that's okay. Any Yep. certain That's fine. time that kinda suits you better just so No. they're not It's cool. fine. No. That's That's fine. okay. That's fine. That's Yep. all good. No worries. So my colleague, Samantha, is the one that give you a call on Monday afternoon. She'll just give you a buzz, see if you're available, run through a quick free assessment just so I can have a look to see if we increase the policy, what we might be expecting, because we add that into the advice so you understand what we're looking at, what the expectation is, what the possible cost might be, and if on the increase of the policy, there might be anything additional Yep. there. Okay? Yeah. Okay. Yep.","start_word":4813,"end_word":5062,"sentiment":"neutral","sentiment_score":0.08819442987442017},{"text":"Excellent. That's fine.","start_word":5063,"end_word":5065,"sentiment":"positive","sentiment_score":0.45312708616256714},{"text":"The only other thing I just wanna double check for you there is just looking at your assets and liabilities. So just a quick run through to see if any I know you've got those two main those two new investment properties there. What kind of value would you put on each of those property? Half 1,000,000 h. Half 1,000,000 each? Yep.","start_word":5066,"end_word":5127,"sentiment":"neutral","sentiment_score":0.00019857820007018745},{"text":"Beautiful.","start_word":5128,"end_word":5128,"sentiment":"positive","sentiment_score":0.4119676351547241},{"text":"And I've got your main primary residence down. Rough valuation last year of 1.2 so 12 yeah. 1,250,000 as in here. What sort of Yeah. do That's you about think right. valuation now? The same? Yep. Yeah. It'll be about the same. Yep. Beautiful. Mortgage is down to about 620. Has it kind of reduced a little bit further there at the moment? I would say it's probably under 500. Yeah. Beautiful.","start_word":5129,"end_word":5200,"sentiment":"neutral","sentiment_score":-0.00027833497733809054},{"text":"Excellent.","start_word":5201,"end_word":5201,"sentiment":"positive","sentiment_score":0.4049389958381653},{"text":"You had about 25,000 cash in the bank as well. Do you still have that end or has that changed at all? Yeah. No. It's probably about the same. That's the same beautiful. And you had some shares as well with a a valuation of about 30,000. Do you still have those shares? Yeah. This is probably probably about 70,000 now, share portfolio. 70,000? Yep. Fantastic. And we also have the offset account noting about 50,000 in there. Do you still happen to have that? Yep. Yeah. And is it about the same or increased? Or No. It's about the same. about the same. Yep.","start_word":5202,"end_word":5306,"sentiment":"neutral","sentiment_score":0.03720472380518913},{"text":"Beautiful. Fantastic.","start_word":5307,"end_word":5308,"sentiment":"positive","sentiment_score":0.3666878938674927},{"text":"The only other thing here is beneficiaries. I have it down that you wanted to keep us as your beneficiary for both your super and insurances. Is that still all current and correct? Yes. That's correct. Yep. Beautiful. And I have it down here that you guys do have a will and have attorney all set up. Is that still current and reflecting your wishes? Yes. That is current. It was updated in September 2025. Yep.","start_word":5309,"end_word":5384,"sentiment":"neutral","sentiment_score":0.08989458531141281},{"text":"Beautiful. Excellent.","start_word":5385,"end_word":5386,"sentiment":"positive","sentiment_score":0.4097558557987213},{"text":"And those investment properties that you do now have, I have it that you've been inherited the two. They are completely debt free. You don't have any loans with any of those? No. That's beautiful. And I can see that you're also building an investment property as well. Do you have a third or other investment property? No. We haven't built on either of those yet. Yeah. We Okay. No. the whole Still market to do.","start_word":5387,"end_word":5462,"sentiment":"neutral","sentiment_score":0.06187082395741814},{"text":"with building is definitely not the right time for anything at the moment. It's difficult.","start_word":5463,"end_word":5477,"sentiment":"negative","sentiment_score":-0.4983424246311188},{"text":"Yes. Sorry. And with the changes in the legislation now happening, building is going to be interesting.","start_word":5478,"end_word":5494,"sentiment":"neutral","sentiment_score":-0.26673030853271484},{"text":"I think the market's gonna be very oversaturated.","start_word":5495,"end_word":5502,"sentiment":"negative","sentiment_score":-0.36845552921295166},{"text":"Investors everywhere are gonna be building properties. Is there any other kind of goals moving forward that you might be looking to do over the next sort of one to two or even five years?","start_word":5503,"end_word":5537,"sentiment":"neutral","sentiment_score":-0.1538451910018921},{"text":"Or It's definitely reducing my work capacity.","start_word":5538,"end_word":5544,"sentiment":"negative","sentiment_score":-0.5267590880393982},{"text":"yep. So I I'll do a couple more years of, like, actual full time work before I Yep. semi semi Yeah.","start_word":5545,"end_word":5565,"sentiment":"neutral","sentiment_score":-0.07644388824701309},{"text":"Nice.","start_word":5566,"end_word":5566,"sentiment":"positive","sentiment_score":0.34528404474258423},{"text":"retire. Yeah. So a bit more of a work life balance as opposed to just working until I'm 60 and then Absolutely. stopping work or 60 Yeah. five or 67, whatever the government tells us was supposed to be working. That's okay. Goal wise for retirement, Yes. did you want me to work on 60 just to make it easy, give you the option of retiring afterwards? Yeah. We like, yeah. We we'll literally by the time I'm 50, I will be semi retired. Yep. And, yes, just working for enjoyment and funding holidays as opposed to working for yeah. Like, you Survival. know, at the moment, growth and paying, yeah, paying Yep. mortgages and stuff like that off. Like, it'll be slightly different. So Mhmm. Yeah. yeah. Because my kids are significantly older now as well. So Yeah. I'll be in empty nest about the number 50. Yeah. Yeah. So it changes the the amount of money that has to come in every week or every month. Yep. Yep. Yeah. So happy to still take risks and work while we need to now. Like, that's pretty Yeah. much the goal and clear all the debt, and then then we can reassess and decide what to do with all that disposable income that we have. Absolutely. And you're still teaching your school teacher at primary school take down? Yes. Yep. I'm still doing that part time and doing other stuff part time, Yes.","start_word":5567,"end_word":5809,"sentiment":"neutral","sentiment_score":0.08729710429906845},{"text":"which is great for full time work. Beautiful.","start_word":5810,"end_word":5817,"sentiment":"positive","sentiment_score":0.7538014650344849},{"text":"Yeah. Of course. I mean, teaching yourself part time still requires a lot of hours. So Yeah. Yeah. no. All good. And you mentioned you've got your business as well. You have a self employed as well? My husband has a business that Okay. yeah. Yep.","start_word":5818,"end_word":5863,"sentiment":"neutral","sentiment_score":0.06368517130613327},{"text":"Beautiful. Not a problem at all. Lovely.","start_word":5864,"end_word":5870,"sentiment":"positive","sentiment_score":0.49273356795310974},{"text":"Well, that is everything. In the annual review pack, when you do get a chance to run your eyes back over, I've got all those documents that we've gone through today. We've also got Yeah. the ongoing service agreement there for you, same as the other years. We do charge the ongoing service fee. It is 1.65% per annum, and then deducting the smaller monthly increments out of your super. The advice, I'll go back and have a look at the super, all the investments, and make some recommendations there for you. Any advice I update is fully complimentary. We don't charge anything else. The advice around the super is all part of the ongoing service agreement there for you. Yep. But I'll So come you'll back. reach out again once you've done Yep. some you've looked at the Research. figures and things like that. Yeah. And you'll Yep. come back, Yeah. and It's then we can go from there. absolutely. Yeah. So it just takes a couple of weeks to put the advice together for me to research all the investments Yeah. and That's have a look gold. at what That's options fine. we Yep. can do, and then the advice will go through together when I've got that ready. You'll see the document. You'll then get to take that away, have a read of it, look it over. It'll have the advantages, disadvantages, risks involved for you to consider, and then you get to decide whether you take the advice or not. Okay? So yeah. No worries.","start_word":5871,"end_word":6129,"sentiment":"neutral","sentiment_score":0.08144363760948181},{"text":"Fantastic. Thank you.","start_word":6130,"end_word":6132,"sentiment":"positive","sentiment_score":0.5178474187850952},{"text":"That's okay. I I know you are busy. I thank you for your time. I will let you go now. Thank you Oh, so much no. That's for taking alright. Yeah. my call. I'm doing kid pickup now. So I'm like, I'm trying to have a conversation with my son in the car while listening to you at the same time. No. You're all good, Yeah. Samantha. No worries. It's easy. You So have I a need good to afternoon. sign that Yes. Sorry. I need to sign that document that you've sent through. Yeah? Yes. Yes. If you could, that'd Sign be fantastic. that, Just and then whenever you'll you got a chance. Yep. yeah. Yeah.","start_word":6133,"end_word":6249,"sentiment":"neutral","sentiment_score":0.09239019740086336},{"text":"Awesome. Cool. Thank you very much for your time. I appreciate that.","start_word":6250,"end_word":6261,"sentiment":"positive","sentiment_score":0.7345689535140991},{"text":"No.","start_word":6262,"end_word":6262,"sentiment":"neutral","sentiment_score":0.1804986596107483},{"text":"All good. You have a lovely afternoon. Thanks so much for taking my call. Talk to you soon. Appreciate it. Okay. Thank you. Bye. Thanks, Samantha.","start_word":6263,"end_word":6288,"sentiment":"positive","sentiment_score":0.6305082440376282}],"average":{"sentiment":"neutral","sentiment_score":0.05070899318838689}}}}