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I had you booked in this afternoon to go through your updated statement of advice. Is now still a good time there for you? Fantastic. Fantastic. And before we jump into the call there, Mariana, I do need to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Fantastic. And I just need to do security there with you as well. If you can just confirm for me your full name, your date of birth, and address I should have on file. Date of birth. Oh, beautiful. Thank you so much for that. Now as I kinda mentioned, we have your updated statement of advice document. We were looking to reassess your insurances for you because you have made mention when we spoke last time that they were very expensive. But we've also gone back and had a look at your super. Essentially, we wanted to make sure that your portfolio is working for you, and we have sort of gone back and reviewed everything as part of the advice and noted that there's been some underperforming investments. So we wanted to make some changes there for you. So this in advice document is kind of incorporating all of that. Do you happen to have access to your emails right now? If you don't, that is okay. Fantastic. I'm just gonna send you an email to you now. If you can open that up for me, and hopefully, it comes through shortly. It might take a second to come through. Just kind of let me know if it does. That's okay. Love technology when it wants to work. Have you had a really busy day? Oh, wow. Well, hopefully, it's a good day for you tomorrow. Does busy mean it'll go a bit faster? Really? Oh, that's exciting. I love that. All good. All good. Nothing yet. No. That's okay. It should be very, very shortly. We're on the we're on the Gold Coast. Yeah. Yeah. Well, for me, it's quite cold. For you, it might be a bit warmer. I own it that I'm I probably feel the cold worse than most people. No. How's the weather where you are at the moment? Yeah. Yeah. Well because in WA, like, where you are, you kinda feel it's probably a different kinda cold to what we would have over here. But then your summers are very hot too, aren't they? Yeah. That is extremely hot. Like, we don't even get that kind of I mean, we had I don't think we've had that kind of heat over here in, oh, years and years, so you're definitely feeling the heat a lot more over there. Has anything popped through there as as of yet? Oh, beautiful. Fantastic. Excellent. So on the front page there, you'll so it you can do the attachments. If not, if you click on the sign now button, it takes you through so you can review the document. It will never ask you to sign anything until you've read it. So you're welcome to take it back after the call and review it and read it and let me know if you do have additional questions. Okay? Perfect. Excellent. So last time we called up, as I mentioned, you wanted me to have a look at your insurances. So you mentioned you were they were costing you a lot of money, and it does affect you so far. Your goal with your insurance is what that you was that you wanted to make sure that in the event of you having passed away or having a TPD claim that your income that your mortgage is fully paid off and with income replacement covering you for up to 70% of your current income in the event of a claim. You also wanted to make sure with your life with your life and TV that you could cover about two to five years worth of income replacement there as well and to see if we can make the insurances a bit cheaper because they are extremely expensive. And, unfortunately, as we get older, the risk of us making a claim increases. So, again, those insurances do continue to get more expensive. Your income, what we confirmed, and my colleague confirmed when we spoke to you last, is about 201,825. Have you had an increase or an alteration on that income at all? Yep. Beautiful. Beautiful. So to make it easier on the document, I'll as I said, you can go back and definitely have a read through it all, but I'll take you through the pages that are very relevant to today's call. If you can scroll down to page number 16 for me, I'll start by just taking you to the recommendation around the, the superannuation side of things. Beautiful. Now the heading there should be investment recommendations oh, recommended investment superannuation. Is that the heading you can see there? You should have a table with lots of different investment names there. Beautiful. So, essentially, as I kinda mentioned, we had a bit of a look at your super fund. I wanted to make sure that you're obviously in the best performing investments and make sure your super is working harder for you because you're working hard, your contributions are going in, and you wanna have that great retirement when you get older as well. So I had a really good look at how things were structured. I noticed that some of your investments were underperforming, so we've decided to do a bit of an investment switch. We're looking to retain your hub twenty four. The super fund itself is fine. There's no underlying issues or requirement to change the fund, but we are gonna do a bit of an investment switch here for you. So we are going to, as you can see here, sell off all the global ex battery lithium tax, remove that down to zero. The Ben along Australian equities has been underperforming pretty significantly holding your portfolio back a little bit. So we're gonna sell all of that off and remove that from your portfolio. You don't need to be invested in anything underperforming. We've also got the bank hybrids there. Now this investment is being phased out in the future. So it is best to remove this from your portfolio now. Bank hybrids are more of a defensive low risk investment, more cash producing, like, income producing. But as they're gonna be phased out in the future, we either remove them now when we're making these changes or we're gonna have to down the track. So it's worth removing that and selling all of that investment now for you. The Van at China new economy hasn't really been performing the way we sort of had hoped. China hasn't really taken off the way it was expected to, and it is slightly underperforming in your portfolio, so removing that for you. With the physical gold, it has done really well. Gold is still a great investment. It has been a little bit of a slump lately, but it is still worth keeping. You do have about 8.86% in there at the moment, and we just wanna rebalance it back a little bit to 7%. So make sure that we're, you know, cementing some of the gains you've seen and redistributing that across the portfolio. So we are just gonna sell a little bit of that physical gold and redistribute the funds. With cybersecurity, again, we are just going to rebalance it back a little bit. It's still a good investment. Nothing wrong with it. Has been a little bit of a downtime this year with what's been going on between The US and Iran. Cybersecurity has been a little bit of a hit, but it is still a great place to be invested and will come back. But you're a little bit overexposed at the moment, so you've got a bit more than you need. We wanna hold about 6%, and you currently have about 7.53. So just selling off a little bit of that, about one point 53% just to rebalance you back a little bit. With the S and P 500, the next one down, Essentially, your portfolio has about 32.89% there at the moment. We wanna hold about 35%. So we just wanna buy a little bit more of that investment there. I know with the S and p 500 and The US as well, it has been a little bit up and down, but it is still a great place to be. One of the things I like about the s and p 500 is that investment is tracking the top 500 companies in The US. And, essentially, in order to be in the indices for the S and P 500 and to be you know, to meet that, because they have a certain criteria, essentially. So when a company isn't performing or doesn't meet the criteria, they are removed from the indices and therefore not tracked by this investment. So you're always tracking the top 500 companies in The US, which is great. So we're just gonna buy a little bit of this into your portfolio, increase your exposure there a little bit. With the VanEck Australian property, not a bad investment, has done quite well for you over the past few years, but we do see some other areas of growth. So we're just gonna sell that investment off out of your portfolio. And then we've got the Raffy a 2 100 there as well. Again yeah. You're right. I'm so sorry, Mariana. I did miss that. Can you repeat that for me? Yeah. Yeah. So VanEck is the investment, but the investment itself is very different. So the VanEck Australian property is VanEck is the the, essentially, the investment firm, a bit like iShares or BetaShares. And this investment option is tracking the Australian property market, whereas the VanEck China new economy is tracking the Chinese market. Does that make sense? Yeah. Yeah. All good. So, again, we'll get rid of that investment. Just selling all of that off for you, and then the beta shares wrap the a 200. So looking at the, essentially, the middle 200 sort of looking at small to medium cap stocks. We're looking at 200 on the Australian market there. Has not been bad in any way, shape, or form, but we are just removing that because what we're doing with the Ben along Australian equities, because that has essentially been removed from your portfolio because that has been underperforming, we're buying into the beta shares a 200, which is the second investment from the bottom. So what we need to do, because we are buying 25% of that, we don't wanna keep you overexposed to Australian equities. So by selling off the Benelon Australian equities and the beta shares RAPI 200, We're then gonna buy into the a 200 there. That's essentially increasing your diversification into the market. We're holding a much cheaper exposure into the Australian shares market as well, and it's also giving you greater diversification and replacing the underperforming investments within there. So it actually works out much into your favor. We'll only hold 25% of the of Australian equities in your portfolio. We don't wanna hold anything more than that. We don't wanna overexpose you into the area and essentially make sure you still have diversification there, which is important. One of the things I do like about the a 200 over the Bennelong Australian Equities is Bennelong and that Australian Equities investment generally only held between, say, 15 to 25 different investment options. So by removing that from your portfolio, we're investing in the beta shares a 200, which is actually giving you exposure to the top 200 companies on the ASX. So very much like the S and P 500, you're tracking the the top 200 companies on the Australian ASX market, and therefore, it's giving you greater diversification. You're tracking 200 companies instead of 15 to 25, if that makes sense. Yeah. We're also then gonna buy into some European exposure. So the iShares Europe is giving you exposure to all 16 European countries and the markets within, and then also Japan. So Japan has seen some really great growth recently, especially with what's happened this year. Japan actually prepared very, very well for its for its systems around the oil and the fuel side of things, unlike our our country, unfortunately. So Japan has seen some really good growth there and is a market that doesn't doesn't follow unison. So we did sort of see over the last couple of years with the Australian market, we tend to follow The US. When The US sees a dip, our market tends to take a dip there with it. We have sort of seen instances over the past couple of years where the Japanese market doesn't follow suit, and it moves in the opposite direction to what The US and the Australian market does. So that's a really handy thing to have in your portfolio. You don't wanna see all your investments going up and down at the same time. When, say, The US and Australia might be down, you wanna have investments that are seeing growth in those times. And, essentially, Europe and and Japan tend to see those sorts of market changes. So that's what we wanna see and how we want your portfolio to work. And so having those sorts of asset classes and exposures in your portfolio is positive. We're also adding in the Vanguard All World x US investments. This is looking at exposure across the globe minus The US market, and that's the biggest part about giving you diversification is spreading your risk level across different industries, across different countries, across different asset classes. Because if we can spread the risk as much as possible, that helps to lower the risk of your portfolio. And this Vanguard All World ex US investment is doing just that. It's spreading over all across the globe into already established markets, but also up and coming markets as well. Okay? Excellent. And because we are removing the bank hybrids from the investment, you still wanna have some low risk defensive investments. So defensive investments in your portfolio there. You are a high growth investor, but you still wanna have around about 10% in those low risk defensive areas. So we're gonna have the core compass of bonds in here for you. We're only having about 5% in there. You still wanna make sure most of your funds are in that growth asset allocation. So core composite bonds are looking at government and corporate bonds. Bonds are good as a defensive investment because they pay coupon payments or income payments on a regular basis. Those income payments are paid into the cash account of your super fund and then get redistributed or reinvested back into your portfolio, which helps with the compounding effect moving forward. So, essentially, just making these changes here, selling out of some investments that aren't performing as well, buying into some other investments that are lower cost that's providing greater diversification to help lower your risk level and making sure your super is working harder for you. Does that make sense? Yeah. Yes. Absolutely. And you want your money to work as hard as possible too. No. That's exactly right. Exactly right. Essentially, to to show you the difference and how this can provide a benefit to you, if you can just scroll down to page 25 for me, you'll see the fee comparison table there. Yeah. The heading is fee comparison. Beautiful. Excellent. So with this table here, the first column has the current. It's got your hub 24 super with your current balance, and then also noting your administration fees, investment fees, the ongoing status fees for having us look after and monitor your super, your contributions going in, and also your insurance premiums there. Now with k making the changes to the investment portfolio, we do estimate your super balance to be about $402,004.63 after we make the switch. The difference is 3,340. Now just like you do a tax return every year, your super fund also does a tax return, and your super fund also pays income tax and capital gains tax whenever investments are purchased or sold or whether whenever income is produced within the super fund. So in order to make the switch that we went through above to change the investments, we do estimate that based on the research, your super fund will pay capital gains tax of $3,340. This is all dealt with inside your super fund, so it has no impact on you personally. Okay? Yeah. And, essentially, with retaining hub twenty four, there's no change to the administration fees. However, the investment fees do make a difference. So by changing the investment and moving into the newer portfolio and making the changes we went through above, we can reduce your investment fees for the first year from $1,844 to $811. It's saving you a thousand and $33 for the first year in investment fees. So that's making it cheaper, which is really important because that means less on fees means more money stays in your super fund working harder for you. Does that make sense? Perfect. With the ongoing service fee, there's no real change there. Just a slight change. We have factor in growth in there, so we do expect it to be an extra $40 for the year. That's our ongoing service fee for looking after your super, making the changes, providing you advice, and making sure your super is working harder for you. Your contributions will continue to go into no change there. But then your insurance premiums, I'm making a recommendation on insurances for you, which reduces the insurance premiums, which is important, saves you about $3,200 on insurance premiums, and I'll go through that shortly with you. Underneath that, you'll see the difference in the returns as well. So the current portfolio you're in, when we look at how that has moved and reacted over the past five years, essentially, it's averaged about 10.47%. However, this newer portfolio that we wanna move you into, a, it's cheaper, b, it's also had a greater past performance. So it's averaged 12.55% there. Essentially, if you look below that, you can see the projection table. So by making the switch, going to the newer portfolio, if it's able to get the same return that it has been able to generate over the past five years, over the next five to ten years, you can see where it lands you and that, you know, the newer portfolio shows you could be in a greater position. Does that make sense? Yeah. Beautiful. Do you have any questions so far, Mariana? You're welcome to let me know if you do. Yes. From this year. Yeah. Yeah. Correct. Yep. So then it goes to the next five to in five years' time, this is where, know, if you got the same level of return over the next five years, this is where you could end up, or over the next ten if you continue to invest. That's where it could show so long as you were able to get that 12.55%. One of the biggest things to note is that this is how the investments have performed over the past five years as a rolling average return. However, we do know that markets go up and down. So some years, you might get a 10% return. Some years, it might be a, you know, 20% return. Some years, it might be a negative return. So it's sort of looking at an average of how this was projected, and we'll make sure we keep reviewing your investments with you over the longer term and make changes as we need to. So one of the important things is that investments that are working in your super now in the next one, two, three, or even next five years, we might need to make some switches and some changes then again just like we have done now. So when you came on board originally, you were recommended a portfolio that was working well. It had done very well, but then some changes needed to occur a little bit down the track, which is what we're doing now. So just making sure we keep reviewing those investments and making changes as we need to so that your super continues to work for you. Does that make sense? Yeah. Beautiful. Do you have do you have any questions for me, Mariana? You're welcome to ask me anything if you if something pops up. Mhmm. Yep. Yeah. So, essentially, it's not actually the super fund. Think of hub twenty four as the investment vehicle. It's like think about with your car. You sit in your car, but without any fuel, it doesn't actually go anywhere. So the underlying investments or the portfolio that your money is invested in, that's like the fuel for your car. Essentially, the it's not the super fund that gets you the returns. It's the underlying portfolio. So hub twenty four is just where your money goes into and the vehicle that we use to invest your money. But what gets you the returns is the underlying portfolio, the individual investments to which we're investing your funds in, which is what we have at the top there in that switch table. Does that make sense? Yes. Yeah. And they're all gonna do very different because they're all invested differently. But even when you're looking around, you're seeing, you know, Australian Super or Host Plus. The Super Fund will be saying our investment portfolios have returned this as a performance. Right? But it's not the fund it's not the Super Fund. It's not Host Plus Australian super that's got you the return. It's their underlying investment. It's what they're investing the funds in that are making those returns. So hub twenty four is just the investment vehicle. What gets the returns what gets that 12% return or a 10% return is the underlying investments of where your money is invested in. But, yeah, I mean, if you ever find something you wanna have a look at, let me know. Admittedly, Hub 24 isn't the cheapest platform out there, but one of the good things about Hub 24 is that it does give you access to investments. Essentially, we have over 1,170 different investment options that we can invest in, whereas most of the industry funds only have about 20 or 30 different investment options. So having a platform like Hub 24 that has, you know, over 1,100 different investment options does mean that you can be altering portfolios and investing in other areas to keep your super working harder for you. Okay. Yeah. Really, really good competitively. I can go into Hub 24 now and pull up the report for you to show you what it's looking like now. Okay. Sorry. Won't be a second. I've just gotta log in. I won't be one moment. Okay. Here we go. Okay. I'll just pull up the report for you. Let's have a look. Okay. So in the last twelve months, your portfolio net a fee. So after all the fees have been deducted, you've made 10.67%. As a dollar figure, that's over $4,047,000 dollars in income and growth. Yep. Yep. So it's done very, very well. That's over the past twelve months. Yes. Yeah. The newer portfolio has averaged that over the past five years on a yearly basis. Correct. We're not guaranteeing you're definitely gonna get that every single year, but when we look at the research and how the investments have performed, as a whole, yeah, they have shown a greater level of performance. So over the longer term, if under the same market conditions occurred, they could achieve that absolutely. Yeah. All good. Yeah. Now I just need to go through the insurance side of things with you as well because that was the other thing that you wanted to sort of talk about was your insurance premiums are extremely high. If you look at page number 20 for me, this takes you through the changes to the insurances. So as I kinda mentioned, your goal there when we spoke last time was that you wanted to make sure that your you had a level of cover that was working for you, but they were getting very expensive. And because your insurance premiums are paid out of your super fund, it does have an effect on how your super, oh, essentially, your retirement's bigger and how much super you end up with. At the moment, with your insurance cover, you've got some license and TPD. The current sum insured or benefit amount is 2,013,807. Essentially, with your income protection policy, your current monthly benefit that you're insured for is 16,586. You have a four week waiting period and a five year benefit period. So, essentially, what we've looked at here is your goal for life and TBD is to make sure your mortgage is covered in the event that something occurs. You wanted to also replace five two to five years worth of income and make sure that you had that right level of cover. And then with income protection based on your current income amount, you're a little bit over insured there. So just because you're covered for that 15,000 in the event of an income protection claim, You go to claim, the insurer is then gonna ask for your payslips and or tax return to show how much you're earning, and they're only going to pay out the amount you're able to claim, which under the current legislation is 70% of your, pre disability income. So this the other side of that table shows essentially what I'm recommending to make this cheaper for you is that you are a little bit over insured in all areas. So to make sure you still have the right level of cover, but to maybe reduce the cost a little bit, we're recommending here that you do reduce your life and TBD down to the sum insured of 1,220,000. That still gives you the level of cover that you need in the event that something occurs, pays at your mortgage, and actually covers you for five years worth of income replacement. So we're looking at the top end of that. It just sort of juices the cost a little bit for you. And then with the income protection based on your current income amount and covering yourself for 70% of the monthly benefit, we're able to cover you for 11,773 on a monthly basis. We keep the four week waiting period. So if you were on a if you're unable to go to work in the short term, you just have to be off work for four weeks prior to making a claim and keeping the benefit period the same, so five years. And that means that if you're on a claim and you're off work, you, say, injure your back or you hurt yourself and you can't work for five years, the income protection claim can cover you for up to five years. At that five year mark, if you still can't go back to work, the claim will stop at that point. Okay? Yeah. Essentially, it reduces your insurance premiums from the current of the insurer currently receiving 11,109 and 34¢ down to 7,344 and 59¢. It's important to note that you'd this is how much the insurer received. You actually receive a little bit of a discount for paying this out of your super fund. So you'll see underneath that box, you've got the rebated amount. So for this year, for your insurance premiums, the total deducted from your super was 9,442 and 94¢. And if you look to reduce the cover whilst the insurer receives the 7,344 of the deducted amount from your super is $66,242. So you actually get a little bit of a 15% discount for paying out of super, which is nice. I wish we got those kinds of discounts all the time. Make it a little bit nicer on us all. It essentially means that you can reduce your cover back a little bit, keeping your cover with what you need, but not paying too much of the premiums there. And it saves you about 3,200 for the first year on your insurance premium. Essentially, if you decide to take on this recommendation, all we do is get you to sign the form to say you're happy to reduce that one. We will put that in place. And because the insurance premiums are paid out of your super on a yearly basis, they'll essentially just refund back the difference between they'll work out essentially what they owe you, and they'll refund that back to your super fund for you. Okay? Yeah. Do you have any questions about any of that so far or at all? Yeah. That's okay. The other thing I do like to sort of show you is the difference, obviously, between not having any insurances. And, look, we don't want you to cancel them in any way, shape, or form, but it is important to note that, as I kinda mentioned before, your insurance premiums are paid out of your super fund. So there is an impact on the overall retirement figure, and your insurance premiums will just continue to get more and more expensive as you get older and as you get closer and closer to your retirement side of things. So if you go down to page number 23 for me, we've actually got under the outcomes a little bit, the projection table, exactly as it is for you that we looked at before, but it also has a third column, which has no insurances. And it just shows you that if you did not pay for insurances out of your super, the impact, the projection over the next five to ten years. And you can see that if you weren't paying insurance premiums, you could end up with more money in your super over the next five to ten years. So there is an impact on the overall amount you're expected to have at retirement because you are paying for those premiums out of super, albeit. It's a juggling act. It's about making sure that your super's working for you, but that you also can cover yourself and your family in the event that something happens. Is that Yeah. Yeah. Absolutely. So I'll be it's not a huge difference at the moment, and we'll keep reviewing these with you. So every year of re review time, you and I will chat about the level of cover you have, what your mortgage looks like, what your income looks like, whether you need that level of cover. Essentially, what you wanna sort of do and the way it realistically should work is that when you're younger, you have the higher level of cover, you have a higher mortgage, and a lower super balance. As your super balance increases, as you pay down your mortgage, we should be able to also decrease your insurance level. So by the time you get to retirement, you shouldn't realistically need that cover anymore. Okay. Yeah. Beautiful. That is essentially everything I had to go through. It is a very simple advice document. Just looking at in retaining your super, making the switch of the investments, and also reducing your insurances. Now there are advantages, disadvantages, and risks involved. I have outlined those for you in that document there. What I probably suggest you do is you go back. Just have a review of the document, read the the different pages. Let me know if there are any different any additional questions there. If you are then happy to, you know, sign and take on board those recommendations, we'll get you to sign the Odoo sign and send it back to me, and my team will implement that for you. I should also make make it known that with the advantages disadvantages risks involved, with the insurances, by decreasing the cover, it does save you money. You can quite clearly see that there. But it is important to note that at a later time, if you decide you wanna increase the insurances again, we have to reapply. And that could be because you get older, more expensive. If your health changes, it could be exclusions or loadings applied to the policy. So it's just a risk that we like to make sure you're aware of, albeit, you know, we sort of hope that you're not needing to increase later. Realistically, we should be able to decrease our insurances as we get older. So we, you know, need less cover and make our super balance grow faster. Okay. Yeah. Yeah. Yeah. Yeah. Mhmm. Mhmm. Yeah. No. It's a really good question, Mariano. Very good question. And in all honesty, unfortunately, I would be suggesting right now you hold off. Having an investment property is absolutely a great way to be able to boost for retirement, either keeping the property and, you know, renting it out in retirement for additional income or just keeping it for a couple of years, having it grow and then sell it off to, you know, provide you with a nice big chunk of capital. It is a great way to do so. However, in order to access negative gains now, you would have had to have owned that property prior to the budget night. So I would be suggesting you hold off for now. Let's look at it closer to when we know more. All of that legislation is currently going through parliament and being argued at the moment, and I think we should hold off. I've got a few other clients the same way, and I've suggested we hold off for now. Let's look at how this legislation looks like it's going to work so we understand which way is going to be best for you because negative gearing is a great tax strategy, and I wouldn't want you to buy a property and then lose out on negative gearing if that's something that's important to you. So I would honestly suggest right now we hold off on buying an investment property. Let's just table it for a few months. We'll check-in any review time and see if there's any changes to the legislation or if there's any guidance on how that's going to go through. And then we can kind of look at you know, when we have a bit more clarity around what the legislation looks like and what the requirements are gonna be, then we can look at how to help you and provide advice around that area. Okay? Yeah. It's a little bit hard to answer that question at the moment. I'm so sorry. We don't know what's gonna happen until that legislation passes, but I I do think holding off for now because if the legislation passes, buying a new build home is going to work out generally better for most people. Whereas if the legislation doesn't pass, then we might be able to look at a preexisting home depending on what you need what you're after. Okay. Yeah. That's okay. Is there any other questions or anything else that you might have for me at the moment? You're welcome to if anything pops up, let me know as well. Yeah. Mhmm. Yeah. Yeah. Abs absolutely, could it really just comes down to what's important to your goals? And I think if you've got that kind of money and wanna invest it, let's have another conversation about what your goals are and what you wanna achieve. Because, realistically, there's a couple of different options that you can take. You can start with that money in neutral as a as a deposit towards buying, say, an investment property or paying down, you know, your current mortgage with that money and saving on interest on your mortgage, or you could invest it into your super and have that growing towards your retirement, or we can also look at investments outside of super. All of those have different rates of returns, and all of them can provide a great return in the long you know, the long term over the next couple of years. What it really comes down to is what's gonna provide you with the greatest benefit and what's gonna help you meet your goal. So it's about understanding, is your goal more about supplementing super? Is it about making your super grow to the highest amount and having as much tax free income in retirement as possible? Is buying an investment property one of the most important things to you? Or is it that you wanna have it invested in another way outside of super? So it's about what your goal is, what you're wanting to achieve, and how we get you there. And that's one of the advice document is, a financial plan is. It's a road map to help you meet your goals, and we just adjust that road map as we move closer and closer to your goal. Does that make sense? Yeah. Absolutely. Absolutely. So, look, with that 100 of grand, think about what it is that you wanna see happen with that money. Think about you know, have a look at your mortgage. See what you're paying on your mortgage. Because sometimes if you've got, you know, your mortgage and you're wanting to, you know, pay that off faster, putting it on your main primary mortgage is a good option. If you've got a higher interest rate, often paying that down helps you reduce the non tax deductible debt a little bit quicker. If you're just wanting to buy another investment property, we could always, you know, have it enough that account for the time being. You could utilize it towards that, Or adding in the super is not a bad idea as well. There are ways of contributing to super. It's just about working out essentially what you're wanting to achieve and how we get you there. Which part of the road map is it important to? Okay. Yeah. A lot a lot of things to think about. Absolutely. And, look, if you ever have questions, Mariano, matter what it is, you're welcome to give me a call. I can talk you through things. Are you with that $100, is it some money that you've got sitting in an account somewhere, or is that money that you're coming into? Okay. Yep. Yep. So in an offset account for the moment is not a bad place to keep it. Essentially, think of your offset account as like an investment account. So the interest that you pay on your mortgage of, say, six or seven or 8% depending on what your interest rate is currently, If you put that $100 into your offset account, you're offsetting that the interest rate on your mortgage. So you're essentially getting a guaranteed rate of return. So paying down your mortgage faster is not a bad way of doing it. If you're generally speaking, if you're looking to pay down the investment property over the main primary residence, we sort of suggest paying down the main primary residence first because that's nondeductible debt. You generally wanna pay off bad debt first, which is nontax deductible debt, and then pay off investment debt later on because you get tax deductions for having that debt. But, yeah, look, putting it in your offset account isn't a bad thing. If it's money that you and your wife have in your joint name, it is definitely worth having a chat to her and making sure she's comfortable with it being invested or moved off that because that can affect her as well. Okay? And when we do your annual review, I will make sure I ask you more about that $100, and we can talk more about whether we keep it there or whether you move it to something else. Okay? That's okay. Not a problem. That's basically everything I needed to go through. I will let you go back so you can have a bit of a read through it. Take some time, and let me know if there's any questions. If you ever have questions, you're not limited to one phone call a year. You can call me anytime you like, or you can let the guys know that you wanna have a chat, and I'll make time to catch up with you. In the meantime, I know your annual review is due a bit later in the year. I'm just gonna double check when that is due for you. It's around about October. Sorry. Yeah. Did you want me to do a catch up with you before October, or are you happy just for the next conversation to be in October? What would you like, Mariano? Yeah. Absolutely. That's not a problem at all. Okay. You got a lot of work coming up. You'll be very busy for the next few weeks, so, hopefully, you get some downtime and some holidays. Very good. All good. Well, look. I will let you go. I appreciate your time. I know it's still early there. You're two hours ahead of me, so I hope you have a good afternoon and don't work too hard. And let me know if there's any questions that come out of that document. If you're happy just to make those changes, I'll get you to sign and return it back. If there is any part of the advice you don't do not wish to proceed with, on the very last page, there is a text box, and you can just write in that if there's something you do not wanna proceed with. Okay? Oh, not a problem at all. It's been an absolute pleasure. I've really enjoyed putting the research together. You've also got lots of other fun documents attached, like the financial services guide. I've got PDF documents if you like having a bit of a read of things as well. So you're welcome to run your eyes over any of those if you want to. Okay. No worries. You have a lovely evening, Mariano. Thank you. I'll talk to you soon. See you later. 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Mariana. It's Zaina from Okie Financial. How are you this afternoon? Yes. Yes.\n\nIt's Dana from Oakview Financial. How's your day been going? Yeah. Really good. Thank you.\n\nThanks for asking. I had you booked in this afternoon to go through your updated statement of advice. Is now still a good time there for you? Fantastic. Fantastic.\n\nAnd before we jump into the call there, Mariana, I do need to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Fantastic. And I just need to do security there with you as well. If you can just confirm for me your full name, your date of birth, and address I should have on file.\n\nDate of birth. Oh, beautiful. Thank you so much for that. Now as I kinda mentioned, we have your updated statement of advice document. We were looking to reassess your insurances for you because you have made mention when we spoke last time that they were very expensive.\n\nBut we've also gone back and had a look at your super. Essentially, we wanted to make sure that your portfolio is working for you, and we have sort of gone back and reviewed everything as part of the advice and noted that there's been some underperforming investments. So we wanted to make some changes there for you. So this in advice document is kind of incorporating all of that. Do you happen to have access to your emails right now?\n\nIf you don't, that is okay. Fantastic. I'm just gonna send you an email to you now. If you can open that up for me, and hopefully, it comes through shortly. It might take a second to come through.\n\nJust kind of let me know if it does. That's okay. Love technology when it wants to work. Have you had a really busy day? Oh, wow.\n\nWell, hopefully, it's a good day for you tomorrow. Does busy mean it'll go a bit faster? Really? Oh, that's exciting. I love that.\n\nAll good. All good. Nothing yet. No. That's okay.\n\nIt should be very, very shortly. We're on the we're on the Gold Coast. Yeah. Yeah. Well, for me, it's quite cold.\n\nFor you, it might be a bit warmer. I own it that I'm I probably feel the cold worse than most people. No. How's the weather where you are at the moment? Yeah.\n\nYeah. Well because in WA, like, where you are, you kinda feel it's probably a different kinda cold to what we would have over here. But then your summers are very hot too, aren't they? Yeah. That is extremely hot.\n\nLike, we don't even get that kind of I mean, we had I don't think we've had that kind of heat over here in, oh, years and years, so you're definitely feeling the heat a lot more over there. Has anything popped through there as as of yet? Oh, beautiful. Fantastic. Excellent.\n\nSo on the front page there, you'll so it you can do the attachments. If not, if you click on the sign now button, it takes you through so you can review the document. It will never ask you to sign anything until you've read it. So you're welcome to take it back after the call and review it and read it and let me know if you do have additional questions. Okay?\n\nPerfect. Excellent. So last time we called up, as I mentioned, you wanted me to have a look at your insurances. So you mentioned you were they were costing you a lot of money, and it does affect you so far. Your goal with your insurance is what that you was that you wanted to make sure that in the event of you having passed away or having a TPD claim that your income that your mortgage is fully paid off and with income replacement covering you for up to 70% of your current income in the event of a claim.\n\nYou also wanted to make sure with your life with your life and TV that you could cover about two to five years worth of income replacement there as well and to see if we can make the insurances a bit cheaper because they are extremely expensive. And, unfortunately, as we get older, the risk of us making a claim increases. So, again, those insurances do continue to get more expensive. Your income, what we confirmed, and my colleague confirmed when we spoke to you last, is about 201,825. Have you had an increase or an alteration on that income at all?\n\nYep. Beautiful. Beautiful. So to make it easier on the document, I'll as I said, you can go back and definitely have a read through it all, but I'll take you through the pages that are very relevant to today's call. If you can scroll down to page number 16 for me, I'll start by just taking you to the recommendation around the, the superannuation side of things.\n\nBeautiful. Now the heading there should be investment recommendations oh, recommended investment superannuation. Is that the heading you can see there? You should have a table with lots of different investment names there. Beautiful.\n\nSo, essentially, as I kinda mentioned, we had a bit of a look at your super fund. I wanted to make sure that you're obviously in the best performing investments and make sure your super is working harder for you because you're working hard, your contributions are going in, and you wanna have that great retirement when you get older as well. So I had a really good look at how things were structured. I noticed that some of your investments were underperforming, so we've decided to do a bit of an investment switch. We're looking to retain your hub twenty four.\n\nThe super fund itself is fine. There's no underlying issues or requirement to change the fund, but we are gonna do a bit of an investment switch here for you. So we are going to, as you can see here, sell off all the global ex battery lithium tax, remove that down to zero. The Ben along Australian equities has been underperforming pretty significantly holding your portfolio back a little bit. So we're gonna sell all of that off and remove that from your portfolio.\n\nYou don't need to be invested in anything underperforming. We've also got the bank hybrids there. Now this investment is being phased out in the future. So it is best to remove this from your portfolio now. Bank hybrids are more of a defensive low risk investment, more cash producing, like, income producing.\n\nBut as they're gonna be phased out in the future, we either remove them now when we're making these changes or we're gonna have to down the track. So it's worth removing that and selling all of that investment now for you. The Van at China new economy hasn't really been performing the way we sort of had hoped. China hasn't really taken off the way it was expected to, and it is slightly underperforming in your portfolio, so removing that for you. With the physical gold, it has done really well.\n\nGold is still a great investment. It has been a little bit of a slump lately, but it is still worth keeping. You do have about 8.86% in there at the moment, and we just wanna rebalance it back a little bit to 7%. So make sure that we're, you know, cementing some of the gains you've seen and redistributing that across the portfolio. So we are just gonna sell a little bit of that physical gold and redistribute the funds.\n\nWith cybersecurity, again, we are just going to rebalance it back a little bit. It's still a good investment. Nothing wrong with it. Has been a little bit of a downtime this year with what's been going on between The US and Iran. Cybersecurity has been a little bit of a hit, but it is still a great place to be invested and will come back.\n\nBut you're a little bit overexposed at the moment, so you've got a bit more than you need. We wanna hold about 6%, and you currently have about 7.53. So just selling off a little bit of that, about one point 53% just to rebalance you back a little bit. With the S and P 500, the next one down, Essentially, your portfolio has about 32.89% there at the moment. We wanna hold about 35%.\n\nSo we just wanna buy a little bit more of that investment there. I know with the S and p 500 and The US as well, it has been a little bit up and down, but it is still a great place to be. One of the things I like about the s and p 500 is that investment is tracking the top 500 companies in The US. And, essentially, in order to be in the indices for the S and P 500 and to be you know, to meet that, because they have a certain criteria, essentially. So when a company isn't performing or doesn't meet the criteria, they are removed from the indices and therefore not tracked by this investment.\n\nSo you're always tracking the top 500 companies in The US, which is great. So we're just gonna buy a little bit of this into your portfolio, increase your exposure there a little bit. With the VanEck Australian property, not a bad investment, has done quite well for you over the past few years, but we do see some other areas of growth. So we're just gonna sell that investment off out of your portfolio. And then we've got the Raffy a 2 100 there as well.\n\nAgain yeah. You're right. I'm so sorry, Mariana. I did miss that. Can you repeat that for me?\n\nYeah. Yeah. So VanEck is the investment, but the investment itself is very different. So the VanEck Australian property is VanEck is the the, essentially, the investment firm, a bit like iShares or BetaShares. And this investment option is tracking the Australian property market, whereas the VanEck China new economy is tracking the Chinese market.\n\nDoes that make sense? Yeah. Yeah. All good. So, again, we'll get rid of that investment.\n\nJust selling all of that off for you, and then the beta shares wrap the a 200. So looking at the, essentially, the middle 200 sort of looking at small to medium cap stocks. We're looking at 200 on the Australian market there. Has not been bad in any way, shape, or form, but we are just removing that because what we're doing with the Ben along Australian equities, because that has essentially been removed from your portfolio because that has been underperforming, we're buying into the beta shares a 200, which is the second investment from the bottom. So what we need to do, because we are buying 25% of that, we don't wanna keep you overexposed to Australian equities.\n\nSo by selling off the Benelon Australian equities and the beta shares RAPI 200, We're then gonna buy into the a 200 there. That's essentially increasing your diversification into the market. We're holding a much cheaper exposure into the Australian shares market as well, and it's also giving you greater diversification and replacing the underperforming investments within there. So it actually works out much into your favor. We'll only hold 25% of the of Australian equities in your portfolio.\n\nWe don't wanna hold anything more than that. We don't wanna overexpose you into the area and essentially make sure you still have diversification there, which is important. One of the things I do like about the a 200 over the Bennelong Australian Equities is Bennelong and that Australian Equities investment generally only held between, say, 15 to 25 different investment options. So by removing that from your portfolio, we're investing in the beta shares a 200, which is actually giving you exposure to the top 200 companies on the ASX. So very much like the S and P 500, you're tracking the the top 200 companies on the Australian ASX market, and therefore, it's giving you greater diversification.\n\nYou're tracking 200 companies instead of 15 to 25, if that makes sense. Yeah. We're also then gonna buy into some European exposure. So the iShares Europe is giving you exposure to all 16 European countries and the markets within, and then also Japan. So Japan has seen some really great growth recently, especially with what's happened this year.\n\nJapan actually prepared very, very well for its for its systems around the oil and the fuel side of things, unlike our our country, unfortunately. So Japan has seen some really good growth there and is a market that doesn't doesn't follow unison. So we did sort of see over the last couple of years with the Australian market, we tend to follow The US. When The US sees a dip, our market tends to take a dip there with it. We have sort of seen instances over the past couple of years where the Japanese market doesn't follow suit, and it moves in the opposite direction to what The US and the Australian market does.\n\nSo that's a really handy thing to have in your portfolio. You don't wanna see all your investments going up and down at the same time. When, say, The US and Australia might be down, you wanna have investments that are seeing growth in those times. And, essentially, Europe and and Japan tend to see those sorts of market changes. So that's what we wanna see and how we want your portfolio to work.\n\nAnd so having those sorts of asset classes and exposures in your portfolio is positive. We're also adding in the Vanguard All World x US investments. This is looking at exposure across the globe minus The US market, and that's the biggest part about giving you diversification is spreading your risk level across different industries, across different countries, across different asset classes. Because if we can spread the risk as much as possible, that helps to lower the risk of your portfolio. And this Vanguard All World ex US investment is doing just that.\n\nIt's spreading over all across the globe into already established markets, but also up and coming markets as well. Okay? Excellent. And because we are removing the bank hybrids from the investment, you still wanna have some low risk defensive investments. So defensive investments in your portfolio there.\n\nYou are a high growth investor, but you still wanna have around about 10% in those low risk defensive areas. So we're gonna have the core compass of bonds in here for you. We're only having about 5% in there. You still wanna make sure most of your funds are in that growth asset allocation. So core composite bonds are looking at government and corporate bonds.\n\nBonds are good as a defensive investment because they pay coupon payments or income payments on a regular basis. Those income payments are paid into the cash account of your super fund and then get redistributed or reinvested back into your portfolio, which helps with the compounding effect moving forward. So, essentially, just making these changes here, selling out of some investments that aren't performing as well, buying into some other investments that are lower cost that's providing greater diversification to help lower your risk level and making sure your super is working harder for you. Does that make sense? Yeah.\n\nYes. Absolutely. And you want your money to work as hard as possible too. No. That's exactly right.\n\nExactly right. Essentially, to to show you the difference and how this can provide a benefit to you, if you can just scroll down to page 25 for me, you'll see the fee comparison table there. Yeah. The heading is fee comparison. Beautiful.\n\nExcellent. So with this table here, the first column has the current. It's got your hub 24 super with your current balance, and then also noting your administration fees, investment fees, the ongoing status fees for having us look after and monitor your super, your contributions going in, and also your insurance premiums there. Now with k making the changes to the investment portfolio, we do estimate your super balance to be about $402,004.63 after we make the switch. The difference is 3,340.\n\nNow just like you do a tax return every year, your super fund also does a tax return, and your super fund also pays income tax and capital gains tax whenever investments are purchased or sold or whether whenever income is produced within the super fund. So in order to make the switch that we went through above to change the investments, we do estimate that based on the research, your super fund will pay capital gains tax of $3,340. This is all dealt with inside your super fund, so it has no impact on you personally. Okay? Yeah.\n\nAnd, essentially, with retaining hub twenty four, there's no change to the administration fees. However, the investment fees do make a difference. So by changing the investment and moving into the newer portfolio and making the changes we went through above, we can reduce your investment fees for the first year from $1,844 to $811. It's saving you a thousand and $33 for the first year in investment fees. So that's making it cheaper, which is really important because that means less on fees means more money stays in your super fund working harder for you.\n\nDoes that make sense? Perfect. With the ongoing service fee, there's no real change there. Just a slight change. We have factor in growth in there, so we do expect it to be an extra $40 for the year.\n\nThat's our ongoing service fee for looking after your super, making the changes, providing you advice, and making sure your super is working harder for you. Your contributions will continue to go into no change there. But then your insurance premiums, I'm making a recommendation on insurances for you, which reduces the insurance premiums, which is important, saves you about $3,200 on insurance premiums, and I'll go through that shortly with you. Underneath that, you'll see the difference in the returns as well. So the current portfolio you're in, when we look at how that has moved and reacted over the past five years, essentially, it's averaged about 10.47%.\n\nHowever, this newer portfolio that we wanna move you into, a, it's cheaper, b, it's also had a greater past performance. So it's averaged 12.55% there. Essentially, if you look below that, you can see the projection table. So by making the switch, going to the newer portfolio, if it's able to get the same return that it has been able to generate over the past five years, over the next five to ten years, you can see where it lands you and that, you know, the newer portfolio shows you could be in a greater position. Does that make sense?\n\nYeah. Beautiful. Do you have any questions so far, Mariana? You're welcome to let me know if you do. Yes.\n\nFrom this year. Yeah. Yeah. Correct. Yep.\n\nSo then it goes to the next five to in five years' time, this is where, know, if you got the same level of return over the next five years, this is where you could end up, or over the next ten if you continue to invest. That's where it could show so long as you were able to get that 12.55%. One of the biggest things to note is that this is how the investments have performed over the past five years as a rolling average return. However, we do know that markets go up and down. So some years, you might get a 10% return.\n\nSome years, it might be a, you know, 20% return. Some years, it might be a negative return. So it's sort of looking at an average of how this was projected, and we'll make sure we keep reviewing your investments with you over the longer term and make changes as we need to. So one of the important things is that investments that are working in your super now in the next one, two, three, or even next five years, we might need to make some switches and some changes then again just like we have done now. So when you came on board originally, you were recommended a portfolio that was working well.\n\nIt had done very well, but then some changes needed to occur a little bit down the track, which is what we're doing now. So just making sure we keep reviewing those investments and making changes as we need to so that your super continues to work for you. Does that make sense? Yeah. Beautiful.\n\nDo you have do you have any questions for me, Mariana? You're welcome to ask me anything if you if something pops up. Mhmm. Yep. Yeah.\n\nSo, essentially, it's not actually the super fund. Think of hub twenty four as the investment vehicle. It's like think about with your car. You sit in your car, but without any fuel, it doesn't actually go anywhere. So the underlying investments or the portfolio that your money is invested in, that's like the fuel for your car.\n\nEssentially, the it's not the super fund that gets you the returns. It's the underlying portfolio. So hub twenty four is just where your money goes into and the vehicle that we use to invest your money. But what gets you the returns is the underlying portfolio, the individual investments to which we're investing your funds in, which is what we have at the top there in that switch table. Does that make sense?\n\nYes. Yeah. And they're all gonna do very different because they're all invested differently. But even when you're looking around, you're seeing, you know, Australian Super or Host Plus. The Super Fund will be saying our investment portfolios have returned this as a performance.\n\nRight? But it's not the fund it's not the Super Fund. It's not Host Plus Australian super that's got you the return. It's their underlying investment. It's what they're investing the funds in that are making those returns.\n\nSo hub twenty four is just the investment vehicle. What gets the returns what gets that 12% return or a 10% return is the underlying investments of where your money is invested in. But, yeah, I mean, if you ever find something you wanna have a look at, let me know. Admittedly, Hub 24 isn't the cheapest platform out there, but one of the good things about Hub 24 is that it does give you access to investments. Essentially, we have over 1,170 different investment options that we can invest in, whereas most of the industry funds only have about 20 or 30 different investment options.\n\nSo having a platform like Hub 24 that has, you know, over 1,100 different investment options does mean that you can be altering portfolios and investing in other areas to keep your super working harder for you. Okay. Yeah. Really, really good competitively. I can go into Hub 24 now and pull up the report for you to show you what it's looking like now.\n\nOkay. Sorry. Won't be a second. I've just gotta log in. I won't be one moment.\n\nOkay. Here we go. Okay. I'll just pull up the report for you. Let's have a look.\n\nOkay. So in the last twelve months, your portfolio net a fee. So after all the fees have been deducted, you've made 10.67%. As a dollar figure, that's over $4,047,000 dollars in income and growth. Yep.\n\nYep. So it's done very, very well. That's over the past twelve months. Yes. Yeah.\n\nThe newer portfolio has averaged that over the past five years on a yearly basis. Correct. We're not guaranteeing you're definitely gonna get that every single year, but when we look at the research and how the investments have performed, as a whole, yeah, they have shown a greater level of performance. So over the longer term, if under the same market conditions occurred, they could achieve that absolutely. Yeah.\n\nAll good. Yeah. Now I just need to go through the insurance side of things with you as well because that was the other thing that you wanted to sort of talk about was your insurance premiums are extremely high. If you look at page number 20 for me, this takes you through the changes to the insurances. So as I kinda mentioned, your goal there when we spoke last time was that you wanted to make sure that your you had a level of cover that was working for you, but they were getting very expensive.\n\nAnd because your insurance premiums are paid out of your super fund, it does have an effect on how your super, oh, essentially, your retirement's bigger and how much super you end up with. At the moment, with your insurance cover, you've got some license and TPD. The current sum insured or benefit amount is 2,013,807. Essentially, with your income protection policy, your current monthly benefit that you're insured for is 16,586. You have a four week waiting period and a five year benefit period.\n\nSo, essentially, what we've looked at here is your goal for life and TBD is to make sure your mortgage is covered in the event that something occurs. You wanted to also replace five two to five years worth of income and make sure that you had that right level of cover. And then with income protection based on your current income amount, you're a little bit over insured there. So just because you're covered for that 15,000 in the event of an income protection claim, You go to claim, the insurer is then gonna ask for your payslips and or tax return to show how much you're earning, and they're only going to pay out the amount you're able to claim, which under the current legislation is 70% of your, pre disability income. So this the other side of that table shows essentially what I'm recommending to make this cheaper for you is that you are a little bit over insured in all areas.\n\nSo to make sure you still have the right level of cover, but to maybe reduce the cost a little bit, we're recommending here that you do reduce your life and TBD down to the sum insured of 1,220,000. That still gives you the level of cover that you need in the event that something occurs, pays at your mortgage, and actually covers you for five years worth of income replacement. So we're looking at the top end of that. It just sort of juices the cost a little bit for you. And then with the income protection based on your current income amount and covering yourself for 70% of the monthly benefit, we're able to cover you for 11,773 on a monthly basis.\n\nWe keep the four week waiting period. So if you were on a if you're unable to go to work in the short term, you just have to be off work for four weeks prior to making a claim and keeping the benefit period the same, so five years. And that means that if you're on a claim and you're off work, you, say, injure your back or you hurt yourself and you can't work for five years, the income protection claim can cover you for up to five years. At that five year mark, if you still can't go back to work, the claim will stop at that point. Okay?\n\nYeah. Essentially, it reduces your insurance premiums from the current of the insurer currently receiving 11,109 and 34¢ down to 7,344 and 59¢. It's important to note that you'd this is how much the insurer received. You actually receive a little bit of a discount for paying this out of your super fund. So you'll see underneath that box, you've got the rebated amount.\n\nSo for this year, for your insurance premiums, the total deducted from your super was 9,442 and 94¢. And if you look to reduce the cover whilst the insurer receives the 7,344 of the deducted amount from your super is $66,242. So you actually get a little bit of a 15% discount for paying out of super, which is nice. I wish we got those kinds of discounts all the time. Make it a little bit nicer on us all.\n\nIt essentially means that you can reduce your cover back a little bit, keeping your cover with what you need, but not paying too much of the premiums there. And it saves you about 3,200 for the first year on your insurance premium. Essentially, if you decide to take on this recommendation, all we do is get you to sign the form to say you're happy to reduce that one. We will put that in place. And because the insurance premiums are paid out of your super on a yearly basis, they'll essentially just refund back the difference between they'll work out essentially what they owe you, and they'll refund that back to your super fund for you.\n\nOkay? Yeah. Do you have any questions about any of that so far or at all? Yeah. That's okay.\n\nThe other thing I do like to sort of show you is the difference, obviously, between not having any insurances. And, look, we don't want you to cancel them in any way, shape, or form, but it is important to note that, as I kinda mentioned before, your insurance premiums are paid out of your super fund. So there is an impact on the overall retirement figure, and your insurance premiums will just continue to get more and more expensive as you get older and as you get closer and closer to your retirement side of things. So if you go down to page number 23 for me, we've actually got under the outcomes a little bit, the projection table, exactly as it is for you that we looked at before, but it also has a third column, which has no insurances. And it just shows you that if you did not pay for insurances out of your super, the impact, the projection over the next five to ten years.\n\nAnd you can see that if you weren't paying insurance premiums, you could end up with more money in your super over the next five to ten years. So there is an impact on the overall amount you're expected to have at retirement because you are paying for those premiums out of super, albeit. It's a juggling act. It's about making sure that your super's working for you, but that you also can cover yourself and your family in the event that something happens. Is that Yeah.\n\nYeah. Absolutely. So I'll be it's not a huge difference at the moment, and we'll keep reviewing these with you. So every year of re review time, you and I will chat about the level of cover you have, what your mortgage looks like, what your income looks like, whether you need that level of cover. Essentially, what you wanna sort of do and the way it realistically should work is that when you're younger, you have the higher level of cover, you have a higher mortgage, and a lower super balance.\n\nAs your super balance increases, as you pay down your mortgage, we should be able to also decrease your insurance level. So by the time you get to retirement, you shouldn't realistically need that cover anymore. Okay. Yeah. Beautiful.\n\nThat is essentially everything I had to go through. It is a very simple advice document. Just looking at in retaining your super, making the switch of the investments, and also reducing your insurances. Now there are advantages, disadvantages, and risks involved. I have outlined those for you in that document there.\n\nWhat I probably suggest you do is you go back. Just have a review of the document, read the the different pages. Let me know if there are any different any additional questions there. If you are then happy to, you know, sign and take on board those recommendations, we'll get you to sign the Odoo sign and send it back to me, and my team will implement that for you. I should also make make it known that with the advantages disadvantages risks involved, with the insurances, by decreasing the cover, it does save you money.\n\nYou can quite clearly see that there. But it is important to note that at a later time, if you decide you wanna increase the insurances again, we have to reapply. And that could be because you get older, more expensive. If your health changes, it could be exclusions or loadings applied to the policy. So it's just a risk that we like to make sure you're aware of, albeit, you know, we sort of hope that you're not needing to increase later.\n\nRealistically, we should be able to decrease our insurances as we get older. So we, you know, need less cover and make our super balance grow faster. Okay. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Mhmm. Yeah.\n\nNo. It's a really good question, Mariano. Very good question. And in all honesty, unfortunately, I would be suggesting right now you hold off. Having an investment property is absolutely a great way to be able to boost for retirement, either keeping the property and, you know, renting it out in retirement for additional income or just keeping it for a couple of years, having it grow and then sell it off to, you know, provide you with a nice big chunk of capital.\n\nIt is a great way to do so. However, in order to access negative gains now, you would have had to have owned that property prior to the budget night. So I would be suggesting you hold off for now. Let's look at it closer to when we know more. All of that legislation is currently going through parliament and being argued at the moment, and I think we should hold off.\n\nI've got a few other clients the same way, and I've suggested we hold off for now. Let's look at how this legislation looks like it's going to work so we understand which way is going to be best for you because negative gearing is a great tax strategy, and I wouldn't want you to buy a property and then lose out on negative gearing if that's something that's important to you. So I would honestly suggest right now we hold off on buying an investment property. Let's just table it for a few months. We'll check-in any review time and see if there's any changes to the legislation or if there's any guidance on how that's going to go through.\n\nAnd then we can kind of look at you know, when we have a bit more clarity around what the legislation looks like and what the requirements are gonna be, then we can look at how to help you and provide advice around that area. Okay? Yeah. It's a little bit hard to answer that question at the moment. I'm so sorry.\n\nWe don't know what's gonna happen until that legislation passes, but I I do think holding off for now because if the legislation passes, buying a new build home is going to work out generally better for most people. Whereas if the legislation doesn't pass, then we might be able to look at a preexisting home depending on what you need what you're after. Okay. Yeah. That's okay.\n\nIs there any other questions or anything else that you might have for me at the moment? You're welcome to if anything pops up, let me know as well. Yeah. Mhmm. Yeah.\n\nYeah. Abs absolutely, could it really just comes down to what's important to your goals? And I think if you've got that kind of money and wanna invest it, let's have another conversation about what your goals are and what you wanna achieve. Because, realistically, there's a couple of different options that you can take. You can start with that money in neutral as a as a deposit towards buying, say, an investment property or paying down, you know, your current mortgage with that money and saving on interest on your mortgage, or you could invest it into your super and have that growing towards your retirement, or we can also look at investments outside of super.\n\nAll of those have different rates of returns, and all of them can provide a great return in the long you know, the long term over the next couple of years. What it really comes down to is what's gonna provide you with the greatest benefit and what's gonna help you meet your goal. So it's about understanding, is your goal more about supplementing super? Is it about making your super grow to the highest amount and having as much tax free income in retirement as possible? Is buying an investment property one of the most important things to you?\n\nOr is it that you wanna have it invested in another way outside of super? So it's about what your goal is, what you're wanting to achieve, and how we get you there. And that's one of the advice document is, a financial plan is. It's a road map to help you meet your goals, and we just adjust that road map as we move closer and closer to your goal. Does that make sense?\n\nYeah. Absolutely. Absolutely. So, look, with that 100 of grand, think about what it is that you wanna see happen with that money. Think about you know, have a look at your mortgage.\n\nSee what you're paying on your mortgage. Because sometimes if you've got, you know, your mortgage and you're wanting to, you know, pay that off faster, putting it on your main primary mortgage is a good option. If you've got a higher interest rate, often paying that down helps you reduce the non tax deductible debt a little bit quicker. If you're just wanting to buy another investment property, we could always, you know, have it enough that account for the time being. You could utilize it towards that, Or adding in the super is not a bad idea as well.\n\nThere are ways of contributing to super. It's just about working out essentially what you're wanting to achieve and how we get you there. Which part of the road map is it important to? Okay. Yeah.\n\nA lot a lot of things to think about. Absolutely. And, look, if you ever have questions, Mariano, matter what it is, you're welcome to give me a call. I can talk you through things. Are you with that $100, is it some money that you've got sitting in an account somewhere, or is that money that you're coming into?\n\nOkay. Yep. Yep. So in an offset account for the moment is not a bad place to keep it. Essentially, think of your offset account as like an investment account.\n\nSo the interest that you pay on your mortgage of, say, six or seven or 8% depending on what your interest rate is currently, If you put that $100 into your offset account, you're offsetting that the interest rate on your mortgage. So you're essentially getting a guaranteed rate of return. So paying down your mortgage faster is not a bad way of doing it. If you're generally speaking, if you're looking to pay down the investment property over the main primary residence, we sort of suggest paying down the main primary residence first because that's nondeductible debt. You generally wanna pay off bad debt first, which is nontax deductible debt, and then pay off investment debt later on because you get tax deductions for having that debt.\n\nBut, yeah, look, putting it in your offset account isn't a bad thing. If it's money that you and your wife have in your joint name, it is definitely worth having a chat to her and making sure she's comfortable with it being invested or moved off that because that can affect her as well. Okay? And when we do your annual review, I will make sure I ask you more about that $100, and we can talk more about whether we keep it there or whether you move it to something else. Okay?\n\nThat's okay. Not a problem. That's basically everything I needed to go through. I will let you go back so you can have a bit of a read through it. Take some time, and let me know if there's any questions.\n\nIf you ever have questions, you're not limited to one phone call a year. You can call me anytime you like, or you can let the guys know that you wanna have a chat, and I'll make time to catch up with you. In the meantime, I know your annual review is due a bit later in the year. I'm just gonna double check when that is due for you. It's around about October.\n\nSorry. Yeah. Did you want me to do a catch up with you before October, or are you happy just for the next conversation to be in October? What would you like, Mariano? Yeah.\n\nAbsolutely. That's not a problem at all. Okay. You got a lot of work coming up. You'll be very busy for the next few weeks, so, hopefully, you get some downtime and some holidays.\n\nVery good. All good. Well, look. I will let you go. I appreciate your time.\n\nI know it's still early there. You're two hours ahead of me, so I hope you have a good afternoon and don't work too hard. And let me know if there's any questions that come out of that document. If you're happy just to make those changes, I'll get you to sign and return it back. If there is any part of the advice you don't do not wish to proceed with, on the very last page, there is a text box, and you can just write in that if there's something you do not wanna proceed with.\n\nOkay? Oh, not a problem at all. It's been an absolute pleasure. I've really enjoyed putting the research together. You've also got lots of other fun documents attached, like the financial services guide.\n\nI've got PDF documents if you like having a bit of a read of things as well. So you're welcome to run your eyes over any of those if you want to. Okay. No worries. You have a lovely evening, Mariano.\n\nThank you. I'll talk to you soon. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Mariana.","start":5.7599998,"end":6.5,"sentiment":"neutral","sentiment_score":0.07340647652745247},{"text":"It's Zaina from Okie Financial.","start":6.64,"end":8.18,"sentiment":"neutral","sentiment_score":0.10103676021099091},{"text":"How are you this afternoon?","start":8.32,"end":9.46,"sentiment":"neutral","sentiment_score":0.13317238986492158},{"text":"Yes.","start":13.375,"end":13.695,"sentiment":"neutral","sentiment_score":0.06936968863010406},{"text":"Yes.","start":13.695,"end":14.014999,"sentiment":"neutral","sentiment_score":0.09177856147289276}],"sentiment":"neutral","sentiment_score":0.10564335382410459,"num_words":14,"start":5.7599998,"end":14.014999},{"sentences":[{"text":"It's Dana from Oakview Financial.","start":14.014999,"end":15.715,"sentiment":"neutral","sentiment_score":0.1122025802731514},{"text":"How's your day been going?","start":15.934999,"end":17.395,"sentiment":"neutral","sentiment_score":0.14472312182188035},{"text":"Yeah.","start":21.615,"end":21.935,"sentiment":"neutral","sentiment_score":0.2402162253856659},{"text":"Really good.","start":21.935,"end":22.575,"sentiment":"positive","sentiment_score":0.5498329401016235},{"text":"Thank you.","start":22.575,"end":22.974998,"sentiment":"positive","sentiment_score":0.6169610321521759}],"sentiment":"neutral","sentiment_score":0.2572288453578949,"num_words":15,"start":14.014999,"end":22.974998},{"sentences":[{"text":"Thanks for asking.","start":22.974998,"end":23.935,"sentiment":"positive","sentiment_score":0.6140512029329935},{"text":"I had you booked in this afternoon to go through your updated statement of advice.","start":23.935,"end":27.535,"sentiment":"neutral","sentiment_score":0.23511647880077363},{"text":"Is now still a good time there for you?","start":27.535,"end":30.85,"sentiment":"neutral","sentiment_score":0.1874562617805269},{"text":"Fantastic.","start":31.87,"end":32.370003,"sentiment":"positive","sentiment_score":0.6192004680633545},{"text":"Fantastic.","start":32.75,"end":33.25,"sentiment":"positive","sentiment_score":0.5634024143218994}],"sentiment":"neutral","sentiment_score":0.28409000100760623,"num_words":29,"start":22.974998,"end":33.25},{"sentences":[{"text":"And before we jump into the call there, Mariana, I do need to let you know we do record our calls for quality and training purposes.","start":33.39,"end":39.17,"sentiment":"neutral","sentiment_score":0.14932922675059393},{"text":"Are you happy to proceed with that?","start":39.55,"end":41.65,"sentiment":"neutral","sentiment_score":0.13535196440560476},{"text":"Fantastic.","start":43.824997,"end":44.324997,"sentiment":"positive","sentiment_score":0.42226672172546387},{"text":"And I just need to do security there with you as well.","start":44.385,"end":46.625,"sentiment":"neutral","sentiment_score":0.1811997890472412},{"text":"If you can just confirm for me your full name, your date of birth, and address I should have on file.","start":46.625,"end":51.125,"sentiment":"neutral","sentiment_score":0.09163156861350649}],"sentiment":"neutral","sentiment_score":0.13956642951538314,"num_words":67,"start":33.39,"end":51.125},{"sentences":[{"text":"Date of birth.","start":61.76,"end":62.579998,"sentiment":"neutral","sentiment_score":0.004999573032061259},{"text":"Oh, beautiful.","start":66.415,"end":67.135,"sentiment":"neutral","sentiment_score":0.30330026149749756},{"text":"Thank you so much for that.","start":67.135,"end":68.675,"sentiment":"positive","sentiment_score":0.5317482948303223},{"text":"Now as I kinda mentioned, we have your updated statement of advice document.","start":68.735,"end":72.275,"sentiment":"neutral","sentiment_score":0.10918409033463551},{"text":"We were looking to reassess your insurances for you because you have made mention when we spoke last time that they were very expensive.","start":72.335,"end":80.035,"sentiment":"neutral","sentiment_score":0.03648880294834574}],"sentiment":"neutral","sentiment_score":0.12723361367049316,"num_words":48,"start":61.76,"end":80.035},{"sentences":[{"text":"But we've also gone back and had a look at your super.","start":81.0,"end":83.74,"sentiment":"neutral","sentiment_score":0.07773480502267678},{"text":"Essentially, we wanted to make sure that your portfolio is working for you, and we have sort of gone back and reviewed everything as part of the advice and noted that there's been some underperforming investments.","start":84.35999,"end":93.34,"sentiment":"neutral","sentiment_score":0.10363768630971511},{"text":"So we wanted to make some changes there for you.","start":93.399994,"end":95.955,"sentiment":"neutral","sentiment_score":0.11796631962060929},{"text":"So this in advice document is kind of incorporating all of that.","start":95.955,"end":99.814995,"sentiment":"neutral","sentiment_score":0.10650210579236348},{"text":"Do you happen to have access to your emails right now?","start":100.435,"end":103.875,"sentiment":"neutral","sentiment_score":0.02355491640892896}],"sentiment":"neutral","sentiment_score":0.09111811004487085,"num_words":81,"start":81.0,"end":103.875},{"sentences":[{"text":"If you don't, that is okay.","start":103.875,"end":105.335,"sentiment":"neutral","sentiment_score":0.0029725781641900535},{"text":"Fantastic.","start":109.409996,"end":109.909996,"sentiment":"positive","sentiment_score":0.41327372193336487},{"text":"I'm just gonna send you an email to you now.","start":110.13,"end":113.03,"sentiment":"neutral","sentiment_score":0.2651870042085648},{"text":"If you can open that up for me, and hopefully, it comes through shortly.","start":113.97,"end":118.149994,"sentiment":"neutral","sentiment_score":0.25252609167780193},{"text":"It might take a second to come through.","start":137.48,"end":139.40001,"sentiment":"neutral","sentiment_score":0.14566902816295624}],"sentiment":"neutral","sentiment_score":0.19958196773838538,"num_words":39,"start":103.875,"end":139.40001},{"sentences":[{"text":"Just kind of let me know if it does.","start":139.40001,"end":141.58,"sentiment":"neutral","sentiment_score":0.15239547358618843},{"text":"That's okay.","start":147.815,"end":148.795,"sentiment":"neutral","sentiment_score":0.13942548632621765},{"text":"Love technology when it wants to work.","start":149.175,"end":151.115,"sentiment":"positive","sentiment_score":0.5894320777484349},{"text":"Have you had a really busy day?","start":154.215,"end":155.995,"sentiment":"neutral","sentiment_score":0.01703819472874914},{"text":"Oh, wow.","start":166.09,"end":166.99,"sentiment":"neutral","sentiment_score":0.12706195563077927}],"sentiment":"neutral","sentiment_score":0.2277713353159251,"num_words":27,"start":139.40001,"end":166.99},{"sentences":[{"text":"Well, hopefully, it's a good day for you tomorrow.","start":168.09,"end":170.41,"sentiment":"positive","sentiment_score":0.421034069524871},{"text":"Does busy mean it'll go a bit faster?","start":170.41,"end":172.065,"sentiment":"neutral","sentiment_score":0.07308284007012844},{"text":"Really?","start":183.505,"end":184.005,"sentiment":"neutral","sentiment_score":0.004061078652739525},{"text":"Oh, that's exciting.","start":189.32999,"end":190.39,"sentiment":"positive","sentiment_score":0.6248608430226644},{"text":"I love that.","start":190.53,"end":191.51,"sentiment":"positive","sentiment_score":0.7839402755101522}],"sentiment":"positive","sentiment_score":0.35851807418900233,"num_words":24,"start":168.09,"end":191.51},{"sentences":[{"text":"All good.","start":193.56999,"end":194.39,"sentiment":"positive","sentiment_score":0.5515034794807434},{"text":"All good.","start":194.60999,"end":195.43,"sentiment":"neutral","sentiment_score":0.33328109979629517},{"text":"Nothing yet.","start":197.165,"end":198.305,"sentiment":"neutral","sentiment_score":-0.11578791216015816},{"text":"No.","start":199.805,"end":200.045,"sentiment":"neutral","sentiment_score":-0.07653436064720154},{"text":"That's okay.","start":200.045,"end":200.685,"sentiment":"neutral","sentiment_score":-0.01221212465316057}],"sentiment":"neutral","sentiment_score":0.15967052492002645,"num_words":9,"start":193.56999,"end":200.685},{"sentences":[{"text":"It should be very, very shortly.","start":200.685,"end":202.22499,"sentiment":"neutral","sentiment_score":0.04898701546092828},{"text":"We're on the we're on the Gold Coast.","start":209.81999,"end":211.76,"sentiment":"neutral","sentiment_score":0.010784390207845718},{"text":"Yeah.","start":211.81999,"end":212.31999,"sentiment":"neutral","sentiment_score":0.020414292812347412},{"text":"Yeah.","start":214.7,"end":215.2,"sentiment":"neutral","sentiment_score":0.01560374815016985},{"text":"Well, for me, it's quite cold.","start":216.45999,"end":218.48,"sentiment":"neutral","sentiment_score":-0.1717583475013574}],"sentiment":"neutral","sentiment_score":-0.027924310437149623,"num_words":22,"start":200.685,"end":218.48},{"sentences":[{"text":"For you, it might be a bit warmer.","start":218.94,"end":221.04,"sentiment":"neutral","sentiment_score":-0.14042026083916426},{"text":"I own it that I'm I probably feel the cold worse than most people.","start":225.86499,"end":229.965,"sentiment":"neutral","sentiment_score":-0.21533147325473173},{"text":"No.","start":232.185,"end":232.685,"sentiment":"neutral","sentiment_score":-0.04296340420842171},{"text":"How's the weather where you are at the moment?","start":232.745,"end":234.845,"sentiment":"neutral","sentiment_score":-0.013934970108999146},{"text":"Yeah.","start":243.17,"end":243.67,"sentiment":"neutral","sentiment_score":0.005081623792648315}],"sentiment":"neutral","sentiment_score":-0.13034240071746436,"num_words":33,"start":218.94,"end":243.67},{"sentences":[{"text":"Yeah.","start":248.065,"end":248.385,"sentiment":"neutral","sentiment_score":-0.05518978461623192},{"text":"Well because in WA, like, where you are, you kinda feel it's probably a different kinda cold to what we would have over here.","start":248.385,"end":254.405,"sentiment":"neutral","sentiment_score":-0.08076645402858655},{"text":"But then your summers are very hot too, aren't they?","start":254.625,"end":257.205,"sentiment":"neutral","sentiment_score":-0.055759182572364806},{"text":"Yeah.","start":269.6,"end":270.1,"sentiment":"neutral","sentiment_score":0.05142877623438835},{"text":"That is extremely hot.","start":273.215,"end":274.655,"sentiment":"neutral","sentiment_score":0.0035224789753556243}],"sentiment":"neutral","sentiment_score":-0.062141445372253655,"num_words":40,"start":248.065,"end":274.655},{"sentences":[{"text":"Like, we don't even get that kind of I mean, we had I don't think we've had that kind of heat over here in, oh, years and years, so you're definitely feeling the heat a lot more over there.","start":274.655,"end":283.23,"sentiment":"neutral","sentiment_score":-0.20901808677575526},{"text":"Has anything popped through there as as of yet?","start":288.83002,"end":291.33002,"sentiment":"neutral","sentiment_score":0.00969518700407611},{"text":"Oh, beautiful.","start":292.19,"end":293.09,"sentiment":"positive","sentiment_score":0.5189162790775299},{"text":"Fantastic.","start":296.445,"end":296.945,"sentiment":"positive","sentiment_score":0.6661345958709717},{"text":"Excellent.","start":297.405,"end":297.905,"sentiment":"positive","sentiment_score":0.5865352153778076}],"sentiment":"neutral","sentiment_score":-0.11103742945796022,"num_words":52,"start":274.655,"end":297.905},{"sentences":[{"text":"So on the front page there, you'll so it you can do the attachments.","start":299.32498,"end":304.785,"sentiment":"neutral","sentiment_score":0.04312769922294787},{"text":"If not, if you click on the sign now button, it takes you through so you can review the document.","start":304.925,"end":309.665,"sentiment":"neutral","sentiment_score":0.067905212379992},{"text":"It will never ask you to sign anything until you've read it.","start":310.19,"end":313.07,"sentiment":"neutral","sentiment_score":0.14267405308783054},{"text":"So you're welcome to take it back after the call and review it and read it and let me know if you do have additional questions.","start":313.07,"end":319.65,"sentiment":"neutral","sentiment_score":0.18916299681250864},{"text":"Okay?","start":319.79,"end":320.29,"sentiment":"neutral","sentiment_score":0.07446009665727615}],"sentiment":"neutral","sentiment_score":0.11872162585695313,"num_words":73,"start":299.32498,"end":320.29},{"sentences":[{"text":"Perfect.","start":322.36502,"end":322.86502,"sentiment":"positive","sentiment_score":0.4966632127761841},{"text":"Excellent.","start":323.48502,"end":323.98502,"sentiment":"positive","sentiment_score":0.42717689275741577},{"text":"So last time we called up, as I mentioned, you wanted me to have a look at your insurances.","start":324.045,"end":328.465,"sentiment":"neutral","sentiment_score":0.05057434920883296},{"text":"So you mentioned you were they were costing you a lot of money, and it does affect you so far.","start":328.605,"end":333.80502,"sentiment":"neutral","sentiment_score":-0.019532490707933902},{"text":"Your goal with your insurance is what that you was that you wanted to make sure that in the event of you having passed away or having a TPD claim that your income that your mortgage is fully paid off and with income replacement covering you for up to 70% of your current income in the event of a claim.","start":333.80502,"end":351.005,"sentiment":"neutral","sentiment_score":0.08094597222904364}],"sentiment":"neutral","sentiment_score":0.06287981445629076,"num_words":101,"start":322.36502,"end":351.005},{"sentences":[{"text":"You also wanted to make sure with your life with your life and TV that you could cover about two to five years worth of income replacement there as well and to see if we can make the insurances a bit cheaper because they are extremely expensive.","start":351.14502,"end":362.52502,"sentiment":"neutral","sentiment_score":0.024225997243155824},{"text":"And, unfortunately, as we get older, the risk of us making a claim increases.","start":363.36002,"end":367.06,"sentiment":"neutral","sentiment_score":-0.31091643444129397},{"text":"So, again, those insurances do continue to get more expensive.","start":367.2,"end":370.34,"sentiment":"neutral","sentiment_score":-0.30320075154304504},{"text":"Your income, what we confirmed, and my colleague confirmed when we spoke to you last, is about 201,825.","start":371.52002,"end":379.095,"sentiment":"neutral","sentiment_score":-0.05175846266663737},{"text":"Have you had an increase or an alteration on that income at all?","start":379.095,"end":382.39502,"sentiment":"neutral","sentiment_score":-0.08903408107849267}],"sentiment":"neutral","sentiment_score":-0.08171873636470706,"num_words":102,"start":351.14502,"end":382.39502},{"sentences":[{"text":"Yep.","start":387.655,"end":388.135,"sentiment":"neutral","sentiment_score":0.04120349884033203},{"text":"Beautiful.","start":388.135,"end":388.635,"sentiment":"positive","sentiment_score":0.37112802267074585},{"text":"Beautiful.","start":388.855,"end":389.355,"sentiment":"neutral","sentiment_score":0.012853646650910378},{"text":"So to make it easier on the document, I'll as I said, you can go back and definitely have a read through it all, but I'll take you through the pages that are very relevant to today's call.","start":389.975,"end":398.79767,"sentiment":"neutral","sentiment_score":0.20505395610081523},{"text":"If you can scroll down to page number 16 for me, I'll start by just taking you to the recommendation around the, the superannuation side of things.","start":398.79767,"end":406.815,"sentiment":"neutral","sentiment_score":0.07510344201215992}],"sentiment":"neutral","sentiment_score":0.15066218285766594,"num_words":68,"start":387.655,"end":406.815},{"sentences":[{"text":"Beautiful.","start":417.135,"end":417.635,"sentiment":"positive","sentiment_score":0.6331048011779785},{"text":"Now the heading there should be investment recommendations oh, recommended investment superannuation.","start":417.695,"end":422.94,"sentiment":"neutral","sentiment_score":0.18408766450981298},{"text":"Is that the heading you can see there?","start":423.0,"end":424.52,"sentiment":"neutral","sentiment_score":0.0880281226709485},{"text":"You should have a table with lots of different investment names there.","start":424.52,"end":427.66,"sentiment":"neutral","sentiment_score":0.11771452830483516},{"text":"Beautiful.","start":430.2,"end":430.7,"sentiment":"positive","sentiment_score":0.6213953495025635}],"sentiment":"neutral","sentiment_score":0.16412798370070317,"num_words":34,"start":417.135,"end":430.7},{"sentences":[{"text":"So, essentially, as I kinda mentioned, we had a bit of a look at your super fund.","start":431.0,"end":434.805,"sentiment":"neutral","sentiment_score":0.27715320008642536},{"text":"I wanted to make sure that you're obviously in the best performing investments and make sure your super is working harder for you because you're working hard, your contributions are going in, and you wanna have that great retirement when you get older as well.","start":434.965,"end":447.04498,"sentiment":"positive","sentiment_score":0.5864757935206095},{"text":"So I had a really good look at how things were structured.","start":447.04498,"end":450.08002,"sentiment":"neutral","sentiment_score":0.21840552613139153},{"text":"I noticed that some of your investments were underperforming, so we've decided to do a bit of an investment switch.","start":450.08002,"end":455.30002,"sentiment":"neutral","sentiment_score":-0.133289529196918},{"text":"We're looking to retain your hub twenty four.","start":455.52002,"end":457.84,"sentiment":"neutral","sentiment_score":0.09683088958263397}],"sentiment":"neutral","sentiment_score":0.3120856662372164,"num_words":102,"start":431.0,"end":457.84},{"sentences":[{"text":"The super fund itself is fine.","start":457.84,"end":459.52002,"sentiment":"neutral","sentiment_score":0.25354739278554916},{"text":"There's no underlying issues or requirement to change the fund, but we are gonna do a bit of an investment switch here for you.","start":459.52002,"end":466.325,"sentiment":"neutral","sentiment_score":0.08530909568071365},{"text":"So we are going to, as you can see here, sell off all the global ex battery lithium tax, remove that down to zero.","start":466.325,"end":473.385,"sentiment":"neutral","sentiment_score":-0.0188170134400328},{"text":"The Ben along Australian equities has been underperforming pretty significantly holding your portfolio back a little bit.","start":473.52502,"end":478.89,"sentiment":"negative","sentiment_score":-0.4219614986111136},{"text":"So we're gonna sell all of that off and remove that from your portfolio.","start":478.89,"end":482.03,"sentiment":"neutral","sentiment_score":-0.2059134351355689}],"sentiment":"neutral","sentiment_score":-0.0816357557387913,"num_words":85,"start":457.84,"end":482.03},{"sentences":[{"text":"You don't need to be invested in anything underperforming.","start":482.57,"end":484.83002,"sentiment":"neutral","sentiment_score":-0.08793042455282477},{"text":"We've also got the bank hybrids there.","start":486.41,"end":488.41,"sentiment":"neutral","sentiment_score":-0.02176122704154945},{"text":"Now this investment is being phased out in the future.","start":488.41,"end":491.11502,"sentiment":"neutral","sentiment_score":-0.07432124651968479},{"text":"So it is best to remove this from your portfolio now.","start":491.11502,"end":494.33502,"sentiment":"neutral","sentiment_score":-0.20889696072448383},{"text":"Bank hybrids are more of a defensive low risk investment, more cash producing, like, income producing.","start":494.39502,"end":499.935,"sentiment":"neutral","sentiment_score":0.15469717065570876}],"sentiment":"neutral","sentiment_score":-0.028483522885681112,"num_words":53,"start":482.57,"end":499.935},{"sentences":[{"text":"But as they're gonna be phased out in the future, we either remove them now when we're making these changes or we're gonna have to down the track.","start":500.715,"end":507.36,"sentiment":"neutral","sentiment_score":-0.1389773190021515},{"text":"So it's worth removing that and selling all of that investment now for you.","start":507.36,"end":511.22,"sentiment":"neutral","sentiment_score":-0.11742267305297512},{"text":"The Van at China new economy hasn't really been performing the way we sort of had hoped.","start":512.4,"end":517.14,"sentiment":"neutral","sentiment_score":-0.2858048690592541},{"text":"China hasn't really taken off the way it was expected to, and it is slightly underperforming in your portfolio, so removing that for you.","start":517.2,"end":524.665,"sentiment":"negative","sentiment_score":-0.34393198508769274},{"text":"With the physical gold, it has done really well.","start":525.605,"end":528.245,"sentiment":"positive","sentiment_score":0.39732812179459465}],"sentiment":"neutral","sentiment_score":-0.163830213856114,"num_words":92,"start":500.715,"end":528.245},{"sentences":[{"text":"Gold is still a great investment.","start":528.245,"end":529.685,"sentiment":"positive","sentiment_score":0.39672575891017914},{"text":"It has been a little bit of a slump lately, but it is still worth keeping.","start":529.685,"end":533.0,"sentiment":"neutral","sentiment_score":-0.05599624337628484},{"text":"You do have about 8.86% in there at the moment, and we just wanna rebalance it back a little bit to 7%.","start":533.3,"end":539.7,"sentiment":"neutral","sentiment_score":0.1513137553225864},{"text":"So make sure that we're, you know, cementing some of the gains you've seen and redistributing that across the portfolio.","start":539.7,"end":545.24,"sentiment":"neutral","sentiment_score":0.33328173458576205},{"text":"So we are just gonna sell a little bit of that physical gold and redistribute the funds.","start":545.38,"end":550.765,"sentiment":"neutral","sentiment_score":0.16015800877529032}],"sentiment":"neutral","sentiment_score":0.17532886564731598,"num_words":81,"start":528.245,"end":550.765},{"sentences":[{"text":"With cybersecurity, again, we are just going to rebalance it back a little bit.","start":551.145,"end":555.625,"sentiment":"neutral","sentiment_score":0.1832891186433179},{"text":"It's still a good investment.","start":555.625,"end":556.825,"sentiment":"positive","sentiment_score":0.585371196269989},{"text":"Nothing wrong with it.","start":556.825,"end":557.625,"sentiment":"neutral","sentiment_score":0.32866842299699783},{"text":"Has been a little bit of a downtime this year with what's been going on between The US and Iran.","start":557.625,"end":562.39,"sentiment":"neutral","sentiment_score":-0.21642547734081746},{"text":"Cybersecurity has been a little bit of a hit, but it is still a great place to be invested and will come back.","start":562.85,"end":568.21,"sentiment":"neutral","sentiment_score":0.00990110198440759}],"sentiment":"neutral","sentiment_score":0.04101201716923353,"num_words":66,"start":551.145,"end":568.21},{"sentences":[{"text":"But you're a little bit overexposed at the moment, so you've got a bit more than you need.","start":568.21,"end":572.355,"sentiment":"neutral","sentiment_score":-0.1671022619638178},{"text":"We wanna hold about 6%, and you currently have about 7.53.","start":572.51495,"end":577.07495,"sentiment":"neutral","sentiment_score":-0.012288809669288721},{"text":"So just selling off a little bit of that, about one point 53% just to rebalance you back a little bit.","start":577.07495,"end":583.495,"sentiment":"neutral","sentiment_score":0.024435172744450114},{"text":"With the S and P 500, the next one down, Essentially, your portfolio has about 32.89% there at the moment.","start":584.51495,"end":592.87,"sentiment":"neutral","sentiment_score":0.08861340675503016},{"text":"We wanna hold about 35%.","start":592.87,"end":594.97003,"sentiment":"neutral","sentiment_score":0.12667202055454255}],"sentiment":"neutral","sentiment_score":-0.00299001008272171,"num_words":75,"start":568.21,"end":594.97003},{"sentences":[{"text":"So we just wanna buy a little bit more of that investment there.","start":595.35004,"end":598.73004,"sentiment":"neutral","sentiment_score":0.09919156435017402},{"text":"I know with the S and p 500 and The US as well, it has been a little bit up and down, but it is still a great place to be.","start":599.19,"end":605.775,"sentiment":"neutral","sentiment_score":0.21104020769557646},{"text":"One of the things I like about the s and p 500 is that investment is tracking the top 500 companies in The US.","start":605.775,"end":612.415,"sentiment":"neutral","sentiment_score":0.3115440395971139},{"text":"And, essentially, in order to be in the indices for the S and P 500 and to be you know, to meet that, because they have a certain criteria, essentially.","start":612.415,"end":620.4,"sentiment":"neutral","sentiment_score":0.2305591146151225},{"text":"So when a company isn't performing or doesn't meet the criteria, they are removed from the indices and therefore not tracked by this investment.","start":620.62,"end":627.84,"sentiment":"neutral","sentiment_score":-0.007711983014208575}],"sentiment":"neutral","sentiment_score":0.18065966861933225,"num_words":122,"start":595.35004,"end":627.84},{"sentences":[{"text":"So you're always tracking the top 500 companies in The US, which is great.","start":627.9,"end":632.195,"sentiment":"neutral","sentiment_score":0.31052021416170256},{"text":"So we're just gonna buy a little bit of this into your portfolio, increase your exposure there a little bit.","start":632.335,"end":637.875,"sentiment":"positive","sentiment_score":0.3673772804439068},{"text":"With the VanEck Australian property, not a bad investment, has done quite well for you over the past few years, but we do see some other areas of growth.","start":638.575,"end":645.88995,"sentiment":"neutral","sentiment_score":0.25319252394396685},{"text":"So we're just gonna sell that investment off out of your portfolio.","start":645.88995,"end":648.87,"sentiment":"neutral","sentiment_score":-0.0872805103038748},{"text":"And then we've got the Raffy a 2 100 there as well.","start":649.49,"end":652.76996,"sentiment":"neutral","sentiment_score":0.024040676808605593}],"sentiment":"neutral","sentiment_score":0.21009808965027332,"num_words":87,"start":627.9,"end":652.76996},{"sentences":[{"text":"Again yeah.","start":652.76996,"end":653.88995,"sentiment":"neutral","sentiment_score":-0.008710138499736786},{"text":"You're right.","start":653.88995,"end":654.63,"sentiment":"neutral","sentiment_score":-0.02978245634585619},{"text":"I'm so sorry, Mariana.","start":664.225,"end":665.605,"sentiment":"neutral","sentiment_score":-0.09926233068108559},{"text":"I did miss that.","start":665.665,"end":666.305,"sentiment":"neutral","sentiment_score":-0.1252487152814865},{"text":"Can you repeat that for me?","start":666.305,"end":667.83,"sentiment":"neutral","sentiment_score":-0.04835980695982774}],"sentiment":"neutral","sentiment_score":-0.07028823418335782,"num_words":18,"start":652.76996,"end":667.83},{"sentences":[{"text":"Yeah.","start":671.91003,"end":672.41003,"sentiment":"neutral","sentiment_score":-0.005548061802983284},{"text":"Yeah.","start":677.59,"end":677.99,"sentiment":"neutral","sentiment_score":-0.013805784285068512},{"text":"So VanEck is the investment, but the investment itself is very different.","start":677.99,"end":682.945,"sentiment":"neutral","sentiment_score":-0.05928930298735698},{"text":"So the VanEck Australian property is VanEck is the the, essentially, the investment firm, a bit like iShares or BetaShares.","start":682.945,"end":691.28503,"sentiment":"neutral","sentiment_score":-0.019964379165321587},{"text":"And this investment option is tracking the Australian property market, whereas the VanEck China new economy is tracking the Chinese market.","start":692.22504,"end":700.37,"sentiment":"neutral","sentiment_score":0.0036276765167713165}],"sentiment":"neutral","sentiment_score":-0.019162397425283084,"num_words":55,"start":671.91003,"end":700.37},{"sentences":[{"text":"Does that make sense?","start":700.37,"end":701.35,"sentiment":"neutral","sentiment_score":0.030215065460652113},{"text":"Yeah.","start":703.25,"end":703.75,"sentiment":"neutral","sentiment_score":0.05037368834018707},{"text":"Yeah.","start":703.81,"end":704.31,"sentiment":"neutral","sentiment_score":0.08807463943958282},{"text":"All good.","start":704.44995,"end":705.26996,"sentiment":"neutral","sentiment_score":0.1783680096268654},{"text":"So, again, we'll get rid of that investment.","start":706.05,"end":707.73,"sentiment":"neutral","sentiment_score":-0.16973361000418663}],"sentiment":"neutral","sentiment_score":-0.046364016947336495,"num_words":16,"start":700.37,"end":707.73},{"sentences":[{"text":"Just selling all of that off for you, and then the beta shares wrap the a 200.","start":707.73,"end":712.185,"sentiment":"neutral","sentiment_score":-0.04270541142014896},{"text":"So looking at the, essentially, the middle 200 sort of looking at small to medium cap stocks.","start":712.185,"end":718.765,"sentiment":"neutral","sentiment_score":0.013163422124789041},{"text":"We're looking at 200 on the Australian market there.","start":718.985,"end":721.625,"sentiment":"neutral","sentiment_score":0.026468337203065555},{"text":"Has not been bad in any way, shape, or form, but we are just removing that because what we're doing with the Ben along Australian equities, because that has essentially been removed from your portfolio because that has been underperforming, we're buying into the beta shares a 200, which is the second investment from the bottom.","start":721.625,"end":739.32,"sentiment":"neutral","sentiment_score":-0.061696730620626895},{"text":"So what we need to do, because we are buying 25% of that, we don't wanna keep you overexposed to Australian equities.","start":739.90497,"end":747.445,"sentiment":"neutral","sentiment_score":-0.015903561206703835}],"sentiment":"neutral","sentiment_score":-0.03362722350823239,"num_words":121,"start":707.73,"end":747.445},{"sentences":[{"text":"So by selling off the Benelon Australian equities and the beta shares RAPI 200, We're then gonna buy into the a 200 there.","start":747.745,"end":755.51,"sentiment":"neutral","sentiment_score":0.11688431708709053},{"text":"That's essentially increasing your diversification into the market.","start":755.57,"end":758.95,"sentiment":"positive","sentiment_score":0.46767840906977654},{"text":"We're holding a much cheaper exposure into the Australian shares market as well, and it's also giving you greater diversification and replacing the underperforming investments within there.","start":759.32996,"end":769.955,"sentiment":"positive","sentiment_score":0.45331026006627967},{"text":"So it actually works out much into your favor.","start":769.955,"end":772.59503,"sentiment":"positive","sentiment_score":0.6348135670026144},{"text":"We'll only hold 25% of the of Australian equities in your portfolio.","start":772.59503,"end":777.495,"sentiment":"neutral","sentiment_score":0.3287403645614783}],"sentiment":"positive","sentiment_score":0.35857405145711535,"num_words":79,"start":747.745,"end":777.495},{"sentences":[{"text":"We don't wanna hold anything more than that.","start":777.555,"end":779.235,"sentiment":"neutral","sentiment_score":0.07210719957947731},{"text":"We don't wanna overexpose you into the area and essentially make sure you still have diversification there, which is important.","start":779.235,"end":785.8,"sentiment":"neutral","sentiment_score":0.20200105626136064},{"text":"One of the things I do like about the a 200 over the Bennelong Australian Equities is Bennelong and that Australian Equities investment generally only held between, say, 15 to 25 different investment options.","start":786.42,"end":797.34503,"sentiment":"neutral","sentiment_score":0.29309016159352136},{"text":"So by removing that from your portfolio, we're investing in the beta shares a 200, which is actually giving you exposure to the top 200 companies on the ASX.","start":797.34503,"end":806.725,"sentiment":"neutral","sentiment_score":0.2809189460400877},{"text":"So very much like the S and P 500, you're tracking the the top 200 companies on the Australian ASX market, and therefore, it's giving you greater diversification.","start":806.785,"end":816.42,"sentiment":"positive","sentiment_score":0.3698057250252792}],"sentiment":"neutral","sentiment_score":0.27800969707490014,"num_words":119,"start":777.555,"end":816.42},{"sentences":[{"text":"You're tracking 200 companies instead of 15 to 25, if that makes sense.","start":816.88,"end":821.69995,"sentiment":"neutral","sentiment_score":0.2615736940732369},{"text":"Yeah.","start":824.335,"end":824.815,"sentiment":"neutral","sentiment_score":0.21416352689266205},{"text":"We're also then gonna buy into some European exposure.","start":824.815,"end":827.615,"sentiment":"neutral","sentiment_score":0.15965350468953451},{"text":"So the iShares Europe is giving you exposure to all 16 European countries and the markets within, and then also Japan.","start":827.615,"end":835.615,"sentiment":"neutral","sentiment_score":0.2092768716670218},{"text":"So Japan has seen some really great growth recently, especially with what's happened this year.","start":835.615,"end":840.08997,"sentiment":"positive","sentiment_score":0.5495415270328522}],"sentiment":"neutral","sentiment_score":0.29982102207713207,"num_words":59,"start":816.88,"end":840.08997},{"sentences":[{"text":"Japan actually prepared very, very well for its for its systems around the oil and the fuel side of things, unlike our our country, unfortunately.","start":840.14996,"end":847.44995,"sentiment":"positive","sentiment_score":0.46620998591184615},{"text":"So Japan has seen some really good growth there and is a market that doesn't doesn't follow unison.","start":848.31,"end":853.715,"sentiment":"positive","sentiment_score":0.41738972812891006},{"text":"So we did sort of see over the last couple of years with the Australian market, we tend to follow The US.","start":853.715,"end":858.835,"sentiment":"neutral","sentiment_score":0.1518083790486509},{"text":"When The US sees a dip, our market tends to take a dip there with it.","start":858.835,"end":862.515,"sentiment":"neutral","sentiment_score":0.008816669345833361},{"text":"We have sort of seen instances over the past couple of years where the Japanese market doesn't follow suit, and it moves in the opposite direction to what The US and the Australian market does.","start":862.515,"end":872.08,"sentiment":"neutral","sentiment_score":0.029433745784418923}],"sentiment":"neutral","sentiment_score":0.204131869872197,"num_words":116,"start":840.14996,"end":872.08},{"sentences":[{"text":"So that's a really handy thing to have in your portfolio.","start":872.08,"end":874.82,"sentiment":"positive","sentiment_score":0.5132648538459431},{"text":"You don't wanna see all your investments going up and down at the same time.","start":875.04,"end":878.9,"sentiment":"neutral","sentiment_score":0.0689103732506434},{"text":"When, say, The US and Australia might be down, you wanna have investments that are seeing growth in those times.","start":879.04,"end":884.10004,"sentiment":"neutral","sentiment_score":0.10199167486280203},{"text":"And, essentially, Europe and and Japan tend to see those sorts of market changes.","start":884.27496,"end":888.355,"sentiment":"neutral","sentiment_score":0.16983262289847648},{"text":"So that's what we wanna see and how we want your portfolio to work.","start":888.355,"end":892.455,"sentiment":"positive","sentiment_score":0.3452763983181545}],"sentiment":"neutral","sentiment_score":0.21528282142370134,"num_words":74,"start":872.08,"end":892.455},{"sentences":[{"text":"And so having those sorts of asset classes and exposures in your portfolio is positive.","start":892.595,"end":897.815,"sentiment":"positive","sentiment_score":0.5004649877548217},{"text":"We're also adding in the Vanguard All World x US investments.","start":898.76,"end":902.7,"sentiment":"neutral","sentiment_score":0.23504874923012473},{"text":"This is looking at exposure across the globe minus The US market, and that's the biggest part about giving you diversification is spreading your risk level across different industries, across different countries, across different asset classes.","start":902.76,"end":915.865,"sentiment":"neutral","sentiment_score":0.23155262631674609},{"text":"Because if we can spread the risk as much as possible, that helps to lower the risk of your portfolio.","start":916.165,"end":921.385,"sentiment":"neutral","sentiment_score":0.29766734018921853},{"text":"And this Vanguard All World ex US investment is doing just that.","start":921.765,"end":926.24,"sentiment":"neutral","sentiment_score":0.22557619462410608}],"sentiment":"neutral","sentiment_score":0.2881773057928745,"num_words":94,"start":892.595,"end":926.24},{"sentences":[{"text":"It's spreading over all across the globe into already established markets, but also up and coming markets as well.","start":926.24,"end":932.66003,"sentiment":"neutral","sentiment_score":0.12782095862846626},{"text":"Okay?","start":932.72003,"end":933.22003,"sentiment":"neutral","sentiment_score":0.1124078780412674},{"text":"Excellent.","start":935.52,"end":936.0,"sentiment":"positive","sentiment_score":0.4522877335548401},{"text":"And because we are removing the bank hybrids from the investment, you still wanna have some low risk defensive investments.","start":936.0,"end":938.88,"sentiment":"neutral","sentiment_score":0.15600053295493127},{"text":"So defensive investments in your portfolio there.","start":938.88,"end":945.035,"sentiment":"neutral","sentiment_score":0.17861128066267287}],"sentiment":"neutral","sentiment_score":0.15340798852654794,"num_words":48,"start":926.24,"end":945.035},{"sentences":[{"text":"You are a high growth investor, but you still wanna have around about 10% in those low risk defensive areas.","start":945.335,"end":951.035,"sentiment":"neutral","sentiment_score":0.25073392763733865},{"text":"So we're gonna have the core compass of bonds in here for you.","start":951.175,"end":954.375,"sentiment":"neutral","sentiment_score":0.2608878838901336},{"text":"We're only having about 5% in there.","start":954.375,"end":956.76996,"sentiment":"neutral","sentiment_score":0.03992589829223497},{"text":"You still wanna make sure most of your funds are in that growth asset allocation.","start":956.76996,"end":960.70996,"sentiment":"neutral","sentiment_score":0.1430835798382759},{"text":"So core composite bonds are looking at government and corporate bonds.","start":961.41,"end":964.93,"sentiment":"neutral","sentiment_score":0.16402860189026053}],"sentiment":"neutral","sentiment_score":0.19145864620804787,"num_words":66,"start":945.335,"end":964.93},{"sentences":[{"text":"Bonds are good as a defensive investment because they pay coupon payments or income payments on a regular basis.","start":964.93,"end":970.47,"sentiment":"positive","sentiment_score":0.3881283967118514},{"text":"Those income payments are paid into the cash account of your super fund and then get redistributed or reinvested back into your portfolio, which helps with the compounding effect moving forward.","start":971.14496,"end":981.46497,"sentiment":"neutral","sentiment_score":0.3228023124317969},{"text":"So, essentially, just making these changes here, selling out of some investments that aren't performing as well, buying into some other investments that are lower cost that's providing greater diversification to help lower your risk level and making sure your super is working harder for you.","start":981.46497,"end":997.17,"sentiment":"neutral","sentiment_score":0.20303148144613142},{"text":"Does that make sense?","start":997.17,"end":998.39,"sentiment":"neutral","sentiment_score":0.10959332436323166},{"text":"Yeah.","start":1001.485,"end":1001.985,"sentiment":"neutral","sentiment_score":-0.004580195993185043}],"sentiment":"neutral","sentiment_score":0.26885695515735314,"num_words":101,"start":964.93,"end":1001.985},{"sentences":[{"text":"Yes.","start":1004.28503,"end":1004.765,"sentiment":"neutral","sentiment_score":0.1428435742855072},{"text":"Absolutely.","start":1004.765,"end":1005.265,"sentiment":"neutral","sentiment_score":0.20860706269741056},{"text":"And you want your money to work as hard as possible too.","start":1005.485,"end":1008.305,"sentiment":"neutral","sentiment_score":0.08185944519937038},{"text":"No.","start":1016.7,"end":1017.2,"sentiment":"neutral","sentiment_score":-0.08089661598205566},{"text":"That's exactly right.","start":1018.30005,"end":1019.84,"sentiment":"neutral","sentiment_score":0.21649795273939768}],"sentiment":"neutral","sentiment_score":0.1056867345339722,"num_words":18,"start":1004.28503,"end":1019.84},{"sentences":[{"text":"Exactly right.","start":1019.9,"end":1020.96,"sentiment":"neutral","sentiment_score":0.2650894820690155},{"text":"Essentially, to to show you the difference and how this can provide a benefit to you, if you can just scroll down to page 25 for me, you'll see the fee comparison table there.","start":1022.14,"end":1031.525,"sentiment":"neutral","sentiment_score":0.17435361061464338},{"text":"Yeah.","start":1036.66,"end":1037.14,"sentiment":"neutral","sentiment_score":0.043380241841077805},{"text":"The heading is fee comparison.","start":1037.14,"end":1038.76,"sentiment":"neutral","sentiment_score":0.037108782306313516},{"text":"Beautiful.","start":1045.54,"end":1046.04,"sentiment":"positive","sentiment_score":0.6680536270141602}],"sentiment":"neutral","sentiment_score":0.1710506861726212,"num_words":43,"start":1019.9,"end":1046.04},{"sentences":[{"text":"Excellent.","start":1046.66,"end":1047.16,"sentiment":"positive","sentiment_score":0.6189673542976379},{"text":"So with this table here, the first column has the current.","start":1047.2201,"end":1050.04,"sentiment":"neutral","sentiment_score":0.18209327486428348},{"text":"It's got your hub 24 super with your current balance, and then also noting your administration fees, investment fees, the ongoing status fees for having us look after and monitor your super, your contributions going in, and also your insurance premiums there.","start":1050.045,"end":1064.625,"sentiment":"neutral","sentiment_score":0.195616787565606},{"text":"Now with k making the changes to the investment portfolio, we do estimate your super balance to be about $402,004.63 after we make the switch.","start":1065.21,"end":1074.83,"sentiment":"neutral","sentiment_score":0.11367930620908737},{"text":"The difference is 3,340.","start":1075.0499,"end":1077.79,"sentiment":"neutral","sentiment_score":0.09675424732267857}],"sentiment":"neutral","sentiment_score":0.16948070000094104,"num_words":83,"start":1046.66,"end":1077.79},{"sentences":[{"text":"Now just like you do a tax return every year, your super fund also does a tax return, and your super fund also pays income tax and capital gains tax whenever investments are purchased or sold or whether whenever income is produced within the super fund.","start":1078.045,"end":1092.42,"sentiment":"neutral","sentiment_score":0.12687041720820832},{"text":"So in order to make the switch that we went through above to change the investments, we do estimate that based on the research, your super fund will pay capital gains tax of $3,340.","start":1092.8201,"end":1104.36,"sentiment":"neutral","sentiment_score":0.20184230782529888},{"text":"This is all dealt with inside your super fund, so it has no impact on you personally.","start":1104.5801,"end":1109.635,"sentiment":"neutral","sentiment_score":0.25701478036010966},{"text":"Okay?","start":1110.015,"end":1110.515,"sentiment":"neutral","sentiment_score":0.14720487594604492},{"text":"Yeah.","start":1112.735,"end":1113.235,"sentiment":"neutral","sentiment_score":0.22051161527633667}],"sentiment":"neutral","sentiment_score":0.17611763045436354,"num_words":99,"start":1078.045,"end":1113.235},{"sentences":[{"text":"And, essentially, with retaining hub twenty four, there's no change to the administration fees.","start":1113.5349,"end":1118.735,"sentiment":"neutral","sentiment_score":0.17355920055082866},{"text":"However, the investment fees do make a difference.","start":1118.735,"end":1121.475,"sentiment":"positive","sentiment_score":0.3574011940509081},{"text":"So by changing the investment and moving into the newer portfolio and making the changes we went through above, we can reduce your investment fees for the first year from $1,844 to $811.","start":1121.91,"end":1134.49,"sentiment":"positive","sentiment_score":0.4925182434645566},{"text":"It's saving you a thousand and $33 for the first year in investment fees.","start":1134.745,"end":1139.325,"sentiment":"positive","sentiment_score":0.6581618104662214},{"text":"So that's making it cheaper, which is really important because that means less on fees means more money stays in your super fund working harder for you.","start":1139.625,"end":1147.705,"sentiment":"positive","sentiment_score":0.4630383981598748}],"sentiment":"positive","sentiment_score":0.45060877595096827,"num_words":96,"start":1113.5349,"end":1147.705},{"sentences":[{"text":"Does that make sense?","start":1147.705,"end":1148.845,"sentiment":"neutral","sentiment_score":0.21075604856014252},{"text":"Perfect.","start":1151.48,"end":1151.98,"sentiment":"positive","sentiment_score":0.6424659490585327},{"text":"With the ongoing service fee, there's no real change there.","start":1153.24,"end":1155.96,"sentiment":"neutral","sentiment_score":0.20754912719130517},{"text":"Just a slight change.","start":1155.96,"end":1156.84,"sentiment":"neutral","sentiment_score":0.11604969948530197},{"text":"We have factor in growth in there, so we do expect it to be an extra $40 for the year.","start":1156.84,"end":1161.435,"sentiment":"neutral","sentiment_score":0.24317780546844006}],"sentiment":"neutral","sentiment_score":0.22791631596210676,"num_words":39,"start":1147.705,"end":1161.435},{"sentences":[{"text":"That's our ongoing service fee for looking after your super, making the changes, providing you advice, and making sure your super is working harder for you.","start":1161.8351,"end":1169.295,"sentiment":"positive","sentiment_score":0.38712794333696365},{"text":"Your contributions will continue to go into no change there.","start":1169.755,"end":1173.2151,"sentiment":"neutral","sentiment_score":0.24331113547086716},{"text":"But then your insurance premiums, I'm making a recommendation on insurances for you, which reduces the insurance premiums, which is important, saves you about $3,200 on insurance premiums, and I'll go through that shortly with you.","start":1173.3551,"end":1186.72,"sentiment":"neutral","sentiment_score":0.30496799904439187},{"text":"Underneath that, you'll see the difference in the returns as well.","start":1187.42,"end":1190.38,"sentiment":"neutral","sentiment_score":0.21555501493540677},{"text":"So the current portfolio you're in, when we look at how that has moved and reacted over the past five years, essentially, it's averaged about 10.47%.","start":1190.38,"end":1199.995,"sentiment":"neutral","sentiment_score":0.20778852701187134}],"sentiment":"neutral","sentiment_score":0.2867054377400547,"num_words":109,"start":1161.8351,"end":1199.995},{"sentences":[{"text":"However, this newer portfolio that we wanna move you into, a, it's cheaper, b, it's also had a greater past performance.","start":1200.215,"end":1206.9401,"sentiment":"positive","sentiment_score":0.35984323634987786},{"text":"So it's averaged 12.55% there.","start":1207.0,"end":1209.9801,"sentiment":"positive","sentiment_score":0.3597767472267151},{"text":"Essentially, if you look below that, you can see the projection table.","start":1210.68,"end":1214.14,"sentiment":"neutral","sentiment_score":0.08362393795202176},{"text":"So by making the switch, going to the newer portfolio, if it's able to get the same return that it has been able to generate over the past five years, over the next five to ten years, you can see where it lands you and that, you know, the newer portfolio shows you could be in a greater position.","start":1214.3601,"end":1230.0751,"sentiment":"positive","sentiment_score":0.5054838920043687},{"text":"Does that make sense?","start":1230.135,"end":1231.17,"sentiment":"neutral","sentiment_score":0.1918955221772194}],"sentiment":"positive","sentiment_score":0.40544763041457327,"num_words":101,"start":1200.215,"end":1231.17},{"sentences":[{"text":"Yeah.","start":1233.89,"end":1234.39,"sentiment":"neutral","sentiment_score":0.290962278842926},{"text":"Beautiful.","start":1234.53,"end":1235.03,"sentiment":"positive","sentiment_score":0.5270161032676697},{"text":"Do you have any questions so far, Mariana?","start":1235.17,"end":1237.27,"sentiment":"neutral","sentiment_score":0.191978276707232},{"text":"You're welcome to let me know if you do.","start":1237.3301,"end":1239.1901,"sentiment":"neutral","sentiment_score":0.3149373730023702},{"text":"Yes.","start":1248.545,"end":1249.045,"sentiment":"neutral","sentiment_score":0.05434738099575043}],"sentiment":"neutral","sentiment_score":0.2621294166892767,"num_words":20,"start":1233.89,"end":1249.045},{"sentences":[{"text":"From this year.","start":1249.1051,"end":1250.0851,"sentiment":"neutral","sentiment_score":0.029219300175706547},{"text":"Yeah.","start":1250.385,"end":1250.8651,"sentiment":"neutral","sentiment_score":0.07648646831512451},{"text":"Yeah.","start":1250.8651,"end":1251.265,"sentiment":"neutral","sentiment_score":0.09395255148410796},{"text":"Correct.","start":1251.265,"end":1251.765,"sentiment":"neutral","sentiment_score":0.15572243928909302},{"text":"Yep.","start":1252.145,"end":1252.645,"sentiment":"neutral","sentiment_score":0.19029375910758972}],"sentiment":"neutral","sentiment_score":0.0863018741032907,"num_words":7,"start":1249.1051,"end":1252.645},{"sentences":[{"text":"So then it goes to the next five to in five years' time, this is where, know, if you got the same level of return over the next five years, this is where you could end up, or over the next ten if you continue to invest.","start":1253.665,"end":1266.13,"sentiment":"neutral","sentiment_score":0.3221385935519604},{"text":"That's where it could show so long as you were able to get that 12.55%.","start":1266.13,"end":1270.63,"sentiment":"positive","sentiment_score":0.44203213651975},{"text":"One of the biggest things to note is that this is how the investments have performed over the past five years as a rolling average return.","start":1271.2949,"end":1278.195,"sentiment":"neutral","sentiment_score":0.1384372553573205},{"text":"However, we do know that markets go up and down.","start":1278.4149,"end":1280.735,"sentiment":"neutral","sentiment_score":-0.09298827163875104},{"text":"So some years, you might get a 10% return.","start":1280.735,"end":1282.975,"sentiment":"neutral","sentiment_score":-0.06802228838205338}],"sentiment":"neutral","sentiment_score":0.22269421749722176,"num_words":107,"start":1253.665,"end":1282.975},{"sentences":[{"text":"Some years, it might be a, you know, 20% return.","start":1282.975,"end":1285.4601,"sentiment":"neutral","sentiment_score":-0.10029425546526909},{"text":"Some years, it might be a negative return.","start":1285.4601,"end":1287.3201,"sentiment":"neutral","sentiment_score":-0.21883447282016277},{"text":"So it's sort of looking at an average of how this was projected, and we'll make sure we keep reviewing your investments with you over the longer term and make changes as we need to.","start":1287.4601,"end":1296.68,"sentiment":"neutral","sentiment_score":0.001158750695841653},{"text":"So one of the important things is that investments that are working in your super now in the next one, two, three, or even next five years, we might need to make some switches and some changes then again just like we have done now.","start":1296.815,"end":1308.655,"sentiment":"neutral","sentiment_score":0.060769000815020666},{"text":"So when you came on board originally, you were recommended a portfolio that was working well.","start":1308.655,"end":1313.0901,"sentiment":"neutral","sentiment_score":0.1376676163636148}],"sentiment":"neutral","sentiment_score":0.0195107441722301,"num_words":114,"start":1282.975,"end":1313.0901},{"sentences":[{"text":"It had done very well, but then some changes needed to occur a little bit down the track, which is what we're doing now.","start":1313.0901,"end":1319.01,"sentiment":"neutral","sentiment_score":0.06184259677926699},{"text":"So just making sure we keep reviewing those investments and making changes as we need to so that your super continues to work for you.","start":1319.01,"end":1326.2101,"sentiment":"neutral","sentiment_score":0.23876836359500886},{"text":"Does that make sense?","start":1326.2101,"end":1327.35,"sentiment":"neutral","sentiment_score":0.08655331283807755},{"text":"Yeah.","start":1329.555,"end":1330.055,"sentiment":"positive","sentiment_score":0.3926917314529419},{"text":"Beautiful.","start":1330.275,"end":1330.775,"sentiment":"positive","sentiment_score":0.6358238458633423}],"sentiment":"neutral","sentiment_score":0.16051200438629498,"num_words":55,"start":1313.0901,"end":1330.775},{"sentences":[{"text":"Do you have do you have any questions for me, Mariana?","start":1331.235,"end":1333.735,"sentiment":"neutral","sentiment_score":0.06442540985616771},{"text":"You're welcome to ask me anything if you if something pops up.","start":1333.795,"end":1336.855,"sentiment":"neutral","sentiment_score":0.24248879278699556},{"text":"Mhmm.","start":1344.77,"end":1345.27,"sentiment":"neutral","sentiment_score":0.04359711706638336},{"text":"Yep.","start":1358.785,"end":1359.285,"sentiment":"neutral","sentiment_score":-0.01451305579394102},{"text":"Yeah.","start":1362.305,"end":1362.625,"sentiment":"neutral","sentiment_score":-0.004937637597322464}],"sentiment":"neutral","sentiment_score":0.14010351713603506,"num_words":26,"start":1331.235,"end":1362.625},{"sentences":[{"text":"So, essentially, it's not actually the super fund.","start":1362.625,"end":1364.785,"sentiment":"neutral","sentiment_score":-0.04475521668791771},{"text":"Think of hub twenty four as the investment vehicle.","start":1364.785,"end":1367.4,"sentiment":"neutral","sentiment_score":-0.002996009877986378},{"text":"It's like think about with your car.","start":1367.46,"end":1369.08,"sentiment":"neutral","sentiment_score":0.0043408192162002835},{"text":"You sit in your car, but without any fuel, it doesn't actually go anywhere.","start":1369.46,"end":1372.92,"sentiment":"neutral","sentiment_score":-0.022566303743847778},{"text":"So the underlying investments or the portfolio that your money is invested in, that's like the fuel for your car.","start":1373.14,"end":1379.0,"sentiment":"neutral","sentiment_score":-0.009570464724674821}],"sentiment":"neutral","sentiment_score":-0.014861338531020386,"num_words":58,"start":1362.625,"end":1379.0},{"sentences":[{"text":"Essentially, the it's not the super fund that gets you the returns.","start":1379.22,"end":1383.0549,"sentiment":"neutral","sentiment_score":-0.012334115259970227},{"text":"It's the underlying portfolio.","start":1383.0549,"end":1384.6749,"sentiment":"neutral","sentiment_score":0.005341369658708572},{"text":"So hub twenty four is just where your money goes into and the vehicle that we use to invest your money.","start":1385.215,"end":1390.515,"sentiment":"neutral","sentiment_score":0.03035660886338779},{"text":"But what gets you the returns is the underlying portfolio, the individual investments to which we're investing your funds in, which is what we have at the top there in that switch table.","start":1390.735,"end":1400.7,"sentiment":"neutral","sentiment_score":0.022535862993787636},{"text":"Does that make sense?","start":1400.7,"end":1401.76,"sentiment":"neutral","sentiment_score":0.03554068645462394}],"sentiment":"neutral","sentiment_score":0.018874204138646256,"num_words":74,"start":1379.22,"end":1401.76},{"sentences":[{"text":"Yes.","start":1404.22,"end":1404.72,"sentiment":"neutral","sentiment_score":0.11369671672582626},{"text":"Yeah.","start":1414.155,"end":1414.655,"sentiment":"neutral","sentiment_score":0.001260140910744667},{"text":"And they're all gonna do very different because they're all invested differently.","start":1415.115,"end":1418.735,"sentiment":"neutral","sentiment_score":-0.011568352075604102},{"text":"But even when you're looking around, you're seeing, you know, Australian Super or Host Plus.","start":1419.47,"end":1423.89,"sentiment":"neutral","sentiment_score":-0.005643687162470694},{"text":"The Super Fund will be saying our investment portfolios have returned this as a performance.","start":1424.27,"end":1429.25,"sentiment":"neutral","sentiment_score":0.02661660114924113}],"sentiment":"neutral","sentiment_score":0.006607507784792688,"num_words":44,"start":1404.22,"end":1429.25},{"sentences":[{"text":"Right?","start":1429.39,"end":1429.89,"sentiment":"neutral","sentiment_score":0.017627453431487083},{"text":"But it's not the fund it's not the Super Fund.","start":1430.03,"end":1432.11,"sentiment":"neutral","sentiment_score":-0.06711469255387784},{"text":"It's not Host Plus Australian super that's got you the return.","start":1432.11,"end":1434.9249,"sentiment":"neutral","sentiment_score":0.004584244325418364},{"text":"It's their underlying investment.","start":1434.9249,"end":1436.705,"sentiment":"neutral","sentiment_score":0.021502066403627396},{"text":"It's what they're investing the funds in that are making those returns.","start":1436.765,"end":1439.825,"sentiment":"neutral","sentiment_score":0.03839085157960653}],"sentiment":"neutral","sentiment_score":-0.0014840605252079274,"num_words":38,"start":1429.39,"end":1439.825},{"sentences":[{"text":"So hub twenty four is just the investment vehicle.","start":1440.9249,"end":1444.3049,"sentiment":"neutral","sentiment_score":0.08631862906946076},{"text":"What gets the returns what gets that 12% return or a 10% return is the underlying investments of where your money is invested in.","start":1445.005,"end":1453.0801,"sentiment":"neutral","sentiment_score":0.07664880560090144},{"text":"But, yeah, I mean, if you ever find something you wanna have a look at, let me know.","start":1453.4601,"end":1457.56,"sentiment":"neutral","sentiment_score":0.0656292097022136},{"text":"Admittedly, Hub 24 isn't the cheapest platform out there, but one of the good things about Hub 24 is that it does give you access to investments.","start":1457.62,"end":1465.495,"sentiment":"neutral","sentiment_score":0.3063932130182231},{"text":"Essentially, we have over 1,170 different investment options that we can invest in, whereas most of the industry funds only have about 20 or 30 different investment options.","start":1465.955,"end":1476.115,"sentiment":"neutral","sentiment_score":0.14023369324526616}],"sentiment":"neutral","sentiment_score":0.1509143861608123,"num_words":106,"start":1440.9249,"end":1476.115},{"sentences":[{"text":"So having a platform like Hub 24 that has, you know, over 1,100 different investment options does mean that you can be altering portfolios and investing in other areas to keep your super working harder for you.","start":1476.115,"end":1490.0801,"sentiment":"neutral","sentiment_score":0.21885960448432612},{"text":"Okay.","start":1490.14,"end":1490.64,"sentiment":"neutral","sentiment_score":0.06400158256292343},{"text":"Yeah.","start":1505.1001,"end":1505.5,"sentiment":"neutral","sentiment_score":0.2023012340068817},{"text":"Really, really good competitively.","start":1505.5,"end":1507.04,"sentiment":"positive","sentiment_score":0.5178068727254868},{"text":"I can go into Hub 24 now and pull up the report for you to show you what it's looking like now.","start":1507.3401,"end":1513.68,"sentiment":"neutral","sentiment_score":0.330095381221988}],"sentiment":"neutral","sentiment_score":0.2722682163119316,"num_words":65,"start":1476.115,"end":1513.68},{"sentences":[{"text":"Okay.","start":1516.225,"end":1516.725,"sentiment":"neutral","sentiment_score":0.02778645791113377},{"text":"Sorry.","start":1516.7849,"end":1517.105,"sentiment":"neutral","sentiment_score":-0.026784345507621765},{"text":"Won't be a second.","start":1517.105,"end":1517.6649,"sentiment":"neutral","sentiment_score":-0.07950643822550774},{"text":"I've just gotta log in.","start":1517.6649,"end":1518.705,"sentiment":"neutral","sentiment_score":-0.06195991635322571},{"text":"I won't be one moment.","start":1518.705,"end":1520.005,"sentiment":"neutral","sentiment_score":-0.06397147476673126}],"sentiment":"neutral","sentiment_score":-0.05916753725614399,"num_words":16,"start":1516.225,"end":1520.005},{"sentences":[{"text":"Okay.","start":1522.945,"end":1523.445,"sentiment":"neutral","sentiment_score":0.01765315793454647},{"text":"Here we go.","start":1524.945,"end":1525.845,"sentiment":"neutral","sentiment_score":0.021788695206244785},{"text":"Okay.","start":1546.815,"end":1547.135,"sentiment":"neutral","sentiment_score":0.028050176799297333},{"text":"I'll just pull up the report for you.","start":1547.135,"end":1549.5549,"sentiment":"neutral","sentiment_score":0.043762813322246075},{"text":"Let's have a look.","start":1549.615,"end":1550.595,"sentiment":"neutral","sentiment_score":0.03756270557641983}],"sentiment":"neutral","sentiment_score":0.03596604407271918,"num_words":17,"start":1522.945,"end":1550.595},{"sentences":[{"text":"Okay.","start":1562.99,"end":1563.49,"sentiment":"neutral","sentiment_score":0.04770021513104439},{"text":"So in the last twelve months, your portfolio net a fee.","start":1563.55,"end":1567.555,"sentiment":"neutral","sentiment_score":0.04321502860296856},{"text":"So after all the fees have been deducted, you've made 10.67%.","start":1567.555,"end":1573.095,"sentiment":"neutral","sentiment_score":0.07070700451731682},{"text":"As a dollar figure, that's over $4,047,000 dollars in income and growth.","start":1573.635,"end":1580.135,"sentiment":"neutral","sentiment_score":0.08172471045205991},{"text":"Yep.","start":1584.79,"end":1585.29,"sentiment":"neutral","sentiment_score":0.13333776593208313}],"sentiment":"neutral","sentiment_score":0.06707991307808293,"num_words":36,"start":1562.99,"end":1585.29},{"sentences":[{"text":"Yep.","start":1586.0701,"end":1586.5701,"sentiment":"neutral","sentiment_score":0.24252885580062863},{"text":"So it's done very, very well.","start":1587.03,"end":1588.65,"sentiment":"positive","sentiment_score":0.47366634011268616},{"text":"That's over the past twelve months.","start":1593.5249,"end":1595.2849,"sentiment":"neutral","sentiment_score":0.11089895417292912},{"text":"Yes.","start":1595.2849,"end":1595.7849,"sentiment":"neutral","sentiment_score":0.13848668336868286},{"text":"Yeah.","start":1598.325,"end":1598.825,"sentiment":"neutral","sentiment_score":0.2771225869655609}],"sentiment":"neutral","sentiment_score":0.27770199278990426,"num_words":15,"start":1586.0701,"end":1598.825},{"sentences":[{"text":"The newer portfolio has averaged that over the past five years on a yearly basis.","start":1613.38,"end":1618.125,"sentiment":"neutral","sentiment_score":0.27866150041421256},{"text":"Correct.","start":1618.285,"end":1618.605,"sentiment":"neutral","sentiment_score":0.26139888167381287},{"text":"We're not guaranteeing you're definitely gonna get that every single year, but when we look at the research and how the investments have performed, as a whole, yeah, they have shown a greater level of performance.","start":1618.605,"end":1629.345,"sentiment":"neutral","sentiment_score":0.253699349032508},{"text":"So over the longer term, if under the same market conditions occurred, they could achieve that absolutely.","start":1629.405,"end":1635.2301,"sentiment":"positive","sentiment_score":0.4082684131229625},{"text":"Yeah.","start":1638.3301,"end":1638.8301,"sentiment":"neutral","sentiment_score":0.24706384539604187}],"sentiment":"neutral","sentiment_score":0.2966017831649099,"num_words":70,"start":1613.38,"end":1638.8301},{"sentences":[{"text":"All good.","start":1641.2101,"end":1642.03,"sentiment":"positive","sentiment_score":0.5481128692626953},{"text":"Yeah.","start":1642.25,"end":1642.75,"sentiment":"neutral","sentiment_score":0.23855949938297272},{"text":"Now I just need to go through the insurance side of things with you as well because that was the other thing that you wanted to sort of talk about was your insurance premiums are extremely high.","start":1643.13,"end":1651.535,"sentiment":"neutral","sentiment_score":-0.035052803118486665},{"text":"If you look at page number 20 for me, this takes you through the changes to the insurances.","start":1651.6749,"end":1655.9349,"sentiment":"neutral","sentiment_score":-0.0036508823848432964},{"text":"So as I kinda mentioned, your goal there when we spoke last time was that you wanted to make sure that your you had a level of cover that was working for you, but they were getting very expensive.","start":1655.995,"end":1665.9701,"sentiment":"neutral","sentiment_score":0.03438338408103356}],"sentiment":"neutral","sentiment_score":0.013536779574819446,"num_words":97,"start":1641.2101,"end":1665.9701},{"sentences":[{"text":"And because your insurance premiums are paid out of your super fund, it does have an effect on how your super, oh, essentially, your retirement's bigger and how much super you end up with.","start":1665.9701,"end":1676.195,"sentiment":"neutral","sentiment_score":-0.045222340425586},{"text":"At the moment, with your insurance cover, you've got some license and TPD.","start":1677.0549,"end":1681.235,"sentiment":"neutral","sentiment_score":0.013602510309563233},{"text":"The current sum insured or benefit amount is 2,013,807.","start":1681.695,"end":1687.1549,"sentiment":"neutral","sentiment_score":0.04022875945601198},{"text":"Essentially, with your income protection policy, your current monthly benefit that you're insured for is 16,586.","start":1688.7101,"end":1696.4901,"sentiment":"neutral","sentiment_score":0.045652257394976914},{"text":"You have a four week waiting period and a five year benefit period.","start":1696.63,"end":1700.0901,"sentiment":"neutral","sentiment_score":0.043843165040016174}],"sentiment":"neutral","sentiment_score":0.0035497548058629038,"num_words":85,"start":1665.9701,"end":1700.0901},{"sentences":[{"text":"So, essentially, what we've looked at here is your goal for life and TBD is to make sure your mortgage is covered in the event that something occurs.","start":1700.585,"end":1707.965,"sentiment":"neutral","sentiment_score":0.1494275355445487},{"text":"You wanted to also replace five two to five years worth of income and make sure that you had that right level of cover.","start":1708.425,"end":1715.8,"sentiment":"neutral","sentiment_score":0.10324829444289207},{"text":"And then with income protection based on your current income amount, you're a little bit over insured there.","start":1716.3401,"end":1721.6201,"sentiment":"neutral","sentiment_score":0.057071552301446594},{"text":"So just because you're covered for that 15,000 in the event of an income protection claim, You go to claim, the insurer is then gonna ask for your payslips and or tax return to show how much you're earning, and they're only going to pay out the amount you're able to claim, which under the current legislation is 70% of your, pre disability income.","start":1721.6201,"end":1743.2001,"sentiment":"neutral","sentiment_score":0.06022224173648283},{"text":"So this the other side of that table shows essentially what I'm recommending to make this cheaper for you is that you are a little bit over insured in all areas.","start":1743.66,"end":1752.9601,"sentiment":"neutral","sentiment_score":0.07343313182073255}],"sentiment":"neutral","sentiment_score":0.08375677915685105,"num_words":165,"start":1700.585,"end":1752.9601},{"sentences":[{"text":"So to make sure you still have the right level of cover, but to maybe reduce the cost a little bit, we're recommending here that you do reduce your life and TBD down to the sum insured of 1,220,000.","start":1753.02,"end":1765.4249,"sentiment":"positive","sentiment_score":0.3343845915335875},{"text":"That still gives you the level of cover that you need in the event that something occurs, pays at your mortgage, and actually covers you for five years worth of income replacement.","start":1765.9,"end":1773.92,"sentiment":"positive","sentiment_score":0.5383014436811209},{"text":"So we're looking at the top end of that.","start":1773.98,"end":1775.84,"sentiment":"positive","sentiment_score":0.47774242692523533},{"text":"It just sort of juices the cost a little bit for you.","start":1776.78,"end":1779.435,"sentiment":"positive","sentiment_score":0.568821648756663},{"text":"And then with the income protection based on your current income amount and covering yourself for 70% of the monthly benefit, we're able to cover you for 11,773 on a monthly basis.","start":1779.515,"end":1792.175,"sentiment":"positive","sentiment_score":0.34868314303457737}],"sentiment":"positive","sentiment_score":0.4237907054203172,"num_words":124,"start":1753.02,"end":1792.175},{"sentences":[{"text":"We keep the four week waiting period.","start":1792.5,"end":1794.5,"sentiment":"neutral","sentiment_score":0.2383363800389426},{"text":"So if you were on a if you're unable to go to work in the short term, you just have to be off work for four weeks prior to making a claim and keeping the benefit period the same, so five years.","start":1794.5,"end":1805.78,"sentiment":"neutral","sentiment_score":0.02261339296542463},{"text":"And that means that if you're on a claim and you're off work, you, say, injure your back or you hurt yourself and you can't work for five years, the income protection claim can cover you for up to five years.","start":1805.78,"end":1816.815,"sentiment":"neutral","sentiment_score":-0.10135591647973875},{"text":"At that five year mark, if you still can't go back to work, the claim will stop at that point.","start":1817.195,"end":1822.815,"sentiment":"neutral","sentiment_score":-0.08393810540437699},{"text":"Okay?","start":1823.19,"end":1823.69,"sentiment":"neutral","sentiment_score":0.08470358699560165}],"sentiment":"neutral","sentiment_score":-0.028212017404872017,"num_words":111,"start":1792.5,"end":1823.69},{"sentences":[{"text":"Yeah.","start":1825.9099,"end":1826.4099,"sentiment":"neutral","sentiment_score":0.2819667458534241},{"text":"Essentially, it reduces your insurance premiums from the current of the insurer currently receiving 11,109 and 34¢ down to 7,344 and 59¢.","start":1826.71,"end":1840.915,"sentiment":"positive","sentiment_score":0.3694559298455715},{"text":"It's important to note that you'd this is how much the insurer received.","start":1841.295,"end":1845.555,"sentiment":"neutral","sentiment_score":0.11451843495552357},{"text":"You actually receive a little bit of a discount for paying this out of your super fund.","start":1845.6951,"end":1849.86,"sentiment":"positive","sentiment_score":0.351632717777701},{"text":"So you'll see underneath that box, you've got the rebated amount.","start":1850.1,"end":1853.24,"sentiment":"neutral","sentiment_score":0.2105503718961369}],"sentiment":"neutral","sentiment_score":0.28151024661717877,"num_words":64,"start":1825.9099,"end":1853.24},{"sentences":[{"text":"So for this year, for your insurance premiums, the total deducted from your super was 9,442 and 94¢.","start":1853.54,"end":1861.48,"sentiment":"neutral","sentiment_score":0.14862093811526017},{"text":"And if you look to reduce the cover whilst the insurer receives the 7,344 of the deducted amount from your super is $66,242.","start":1861.62,"end":1873.215,"sentiment":"neutral","sentiment_score":0.13956157830746277},{"text":"So you actually get a little bit of a 15% discount for paying out of super, which is nice.","start":1873.215,"end":1878.38,"sentiment":"positive","sentiment_score":0.5790145601096907},{"text":"I wish we got those kinds of discounts all the time.","start":1878.38,"end":1880.8,"sentiment":"positive","sentiment_score":0.608091879974712},{"text":"Make it a little bit nicer on us all.","start":1880.94,"end":1883.2,"sentiment":"positive","sentiment_score":0.6421855158276029}],"sentiment":"positive","sentiment_score":0.36970163561120817,"num_words":80,"start":1853.54,"end":1883.2},{"sentences":[{"text":"It essentially means that you can reduce your cover back a little bit, keeping your cover with what you need, but not paying too much of the premiums there.","start":1884.86,"end":1892.985,"sentiment":"positive","sentiment_score":0.475407880955729},{"text":"And it saves you about 3,200 for the first year on your insurance premium.","start":1892.985,"end":1897.325,"sentiment":"positive","sentiment_score":0.6098803664956775},{"text":"Essentially, if you decide to take on this recommendation, all we do is get you to sign the form to say you're happy to reduce that one.","start":1898.505,"end":1904.73,"sentiment":"positive","sentiment_score":0.45065309052114133},{"text":"We will put that in place.","start":1904.8099,"end":1906.09,"sentiment":"neutral","sentiment_score":0.2715174009402593},{"text":"And because the insurance premiums are paid out of your super on a yearly basis, they'll essentially just refund back the difference between they'll work out essentially what they owe you, and they'll refund that back to your super fund for you.","start":1906.09,"end":1920.045,"sentiment":"neutral","sentiment_score":0.24432126610052018}],"sentiment":"positive","sentiment_score":0.3930795313948292,"num_words":118,"start":1884.86,"end":1920.045},{"sentences":[{"text":"Okay?","start":1920.045,"end":1920.545,"sentiment":"neutral","sentiment_score":0.11468718945980072},{"text":"Yeah.","start":1923.0851,"end":1923.5851,"sentiment":"neutral","sentiment_score":0.12030671536922456},{"text":"Do you have any questions about any of that so far or at all?","start":1924.4451,"end":1928.0651,"sentiment":"neutral","sentiment_score":0.09201669107590403},{"text":"Yeah.","start":1932.125,"end":1932.6051,"sentiment":"neutral","sentiment_score":0.1652037501335144},{"text":"That's okay.","start":1932.6051,"end":1933.425,"sentiment":"neutral","sentiment_score":0.2029905691742897}],"sentiment":"neutral","sentiment_score":0.11023223517756713,"num_words":19,"start":1920.045,"end":1933.425},{"sentences":[{"text":"The other thing I do like to sort of show you is the difference, obviously, between not having any insurances.","start":1934.04,"end":1939.42,"sentiment":"neutral","sentiment_score":0.025493108481168748},{"text":"And, look, we don't want you to cancel them in any way, shape, or form, but it is important to note that, as I kinda mentioned before, your insurance premiums are paid out of your super fund.","start":1939.4801,"end":1948.125,"sentiment":"neutral","sentiment_score":-0.04876759124768747},{"text":"So there is an impact on the overall retirement figure, and your insurance premiums will just continue to get more and more expensive as you get older and as you get closer and closer to your retirement side of things.","start":1948.445,"end":1959.425,"sentiment":"neutral","sentiment_score":-0.22282950431108475},{"text":"So if you go down to page number 23 for me, we've actually got under the outcomes a little bit, the projection table, exactly as it is for you that we looked at before, but it also has a third column, which has no insurances.","start":1960.045,"end":1973.3201,"sentiment":"neutral","sentiment_score":0.03624113948705296},{"text":"And it just shows you that if you did not pay for insurances out of your super, the impact, the projection over the next five to ten years.","start":1973.62,"end":1982.655,"sentiment":"neutral","sentiment_score":0.0317136489902623}],"sentiment":"neutral","sentiment_score":-0.04522873782552779,"num_words":170,"start":1934.04,"end":1982.655},{"sentences":[{"text":"And you can see that if you weren't paying insurance premiums, you could end up with more money in your super over the next five to ten years.","start":1982.875,"end":1989.355,"sentiment":"neutral","sentiment_score":0.20388805653367723},{"text":"So there is an impact on the overall amount you're expected to have at retirement because you are paying for those premiums out of super, albeit.","start":1989.355,"end":1998.36,"sentiment":"neutral","sentiment_score":-0.04930202576976556},{"text":"It's a juggling act.","start":1998.58,"end":1999.5399,"sentiment":"neutral","sentiment_score":0.05714426003396511},{"text":"It's about making sure that your super's working for you, but that you also can cover yourself and your family in the event that something happens.","start":1999.5399,"end":2007.1599,"sentiment":"neutral","sentiment_score":0.24355375193632567},{"text":"Is that Yeah.","start":2007.465,"end":2014.2849,"sentiment":"neutral","sentiment_score":0.026225280482321978}],"sentiment":"neutral","sentiment_score":0.12720302695237184,"num_words":87,"start":1982.875,"end":2014.2849},{"sentences":[{"text":"Yeah.","start":2016.825,"end":2017.325,"sentiment":"neutral","sentiment_score":0.001251779031008482},{"text":"Absolutely.","start":2018.1849,"end":2018.6849,"sentiment":"neutral","sentiment_score":0.27181732654571533},{"text":"So I'll be it's not a huge difference at the moment, and we'll keep reviewing these with you.","start":2019.145,"end":2024.09,"sentiment":"neutral","sentiment_score":0.14298316857053173},{"text":"So every year of re review time, you and I will chat about the level of cover you have, what your mortgage looks like, what your income looks like, whether you need that level of cover.","start":2024.09,"end":2033.47,"sentiment":"neutral","sentiment_score":0.03347725933417678},{"text":"Essentially, what you wanna sort of do and the way it realistically should work is that when you're younger, you have the higher level of cover, you have a higher mortgage, and a lower super balance.","start":2034.01,"end":2043.825,"sentiment":"neutral","sentiment_score":0.0537644030733241}],"sentiment":"neutral","sentiment_score":0.06508115202735137,"num_words":92,"start":2016.825,"end":2043.825},{"sentences":[{"text":"As your super balance increases, as you pay down your mortgage, we should be able to also decrease your insurance level.","start":2043.825,"end":2050.9448,"sentiment":"neutral","sentiment_score":-0.032599850602093194},{"text":"So by the time you get to retirement, you shouldn't realistically need that cover anymore.","start":2050.9448,"end":2056.3699,"sentiment":"neutral","sentiment_score":-0.1399511123696963},{"text":"Okay.","start":2056.75,"end":2057.25,"sentiment":"neutral","sentiment_score":0.05339440703392029},{"text":"Yeah.","start":2058.59,"end":2059.09,"sentiment":"neutral","sentiment_score":0.09834685921669006},{"text":"Beautiful.","start":2059.8699,"end":2060.3699,"sentiment":"positive","sentiment_score":0.49056804180145264}],"sentiment":"neutral","sentiment_score":-0.054911647183008686,"num_words":39,"start":2043.825,"end":2060.3699},{"sentences":[{"text":"That is essentially everything I had to go through.","start":2061.07,"end":2063.47,"sentiment":"neutral","sentiment_score":0.26020611491468215},{"text":"It is a very simple advice document.","start":2063.47,"end":2065.47,"sentiment":"neutral","sentiment_score":0.2776285878249577},{"text":"Just looking at in retaining your super, making the switch of the investments, and also reducing your insurances.","start":2065.47,"end":2072.095,"sentiment":"neutral","sentiment_score":0.23899123693505922},{"text":"Now there are advantages, disadvantages, and risks involved.","start":2072.795,"end":2076.335,"sentiment":"neutral","sentiment_score":-0.08923898544162512},{"text":"I have outlined those for you in that document there.","start":2077.435,"end":2081.215,"sentiment":"neutral","sentiment_score":0.06060182303190231}],"sentiment":"neutral","sentiment_score":0.16306161078122947,"num_words":52,"start":2061.07,"end":2081.215},{"sentences":[{"text":"What I probably suggest you do is you go back.","start":2081.33,"end":2083.57,"sentiment":"neutral","sentiment_score":0.06982893720269204},{"text":"Just have a review of the document, read the the different pages.","start":2083.57,"end":2087.17,"sentiment":"neutral","sentiment_score":0.13560998315612474},{"text":"Let me know if there are any different any additional questions there.","start":2087.17,"end":2090.63,"sentiment":"neutral","sentiment_score":0.19136575112740198},{"text":"If you are then happy to, you know, sign and take on board those recommendations, we'll get you to sign the Odoo sign and send it back to me, and my team will implement that for you.","start":2091.01,"end":2101.335,"sentiment":"positive","sentiment_score":0.37705467017115774},{"text":"I should also make make it known that with the advantages disadvantages risks involved, with the insurances, by decreasing the cover, it does save you money.","start":2101.7952,"end":2112.21,"sentiment":"neutral","sentiment_score":0.28881965348353755}],"sentiment":"neutral","sentiment_score":0.2688900203127222,"num_words":97,"start":2081.33,"end":2112.21},{"sentences":[{"text":"You can quite clearly see that there.","start":2112.21,"end":2114.3098,"sentiment":"neutral","sentiment_score":0.25945407152175903},{"text":"But it is important to note that at a later time, if you decide you wanna increase the insurances again, we have to reapply.","start":2114.69,"end":2121.75,"sentiment":"neutral","sentiment_score":-0.19196565728634596},{"text":"And that could be because you get older, more expensive.","start":2122.545,"end":2125.925,"sentiment":"negative","sentiment_score":-0.3444939821958542},{"text":"If your health changes, it could be exclusions or loadings applied to the policy.","start":2126.305,"end":2130.405,"sentiment":"neutral","sentiment_score":-0.2688662824886186},{"text":"So it's just a risk that we like to make sure you're aware of, albeit, you know, we sort of hope that you're not needing to increase later.","start":2130.785,"end":2138.67,"sentiment":"neutral","sentiment_score":-0.1846833079388099}],"sentiment":"neutral","sentiment_score":-0.1827855141362153,"num_words":83,"start":2112.21,"end":2138.67},{"sentences":[{"text":"Realistically, we should be able to decrease our insurances as we get older.","start":2138.73,"end":2142.49,"sentiment":"neutral","sentiment_score":0.08781529733767876},{"text":"So we, you know, need less cover and make our super balance grow faster.","start":2142.49,"end":2146.91,"sentiment":"neutral","sentiment_score":0.10674493280904633},{"text":"Okay.","start":2147.21,"end":2147.71,"sentiment":"neutral","sentiment_score":0.0649232342839241},{"text":"Yeah.","start":2150.555,"end":2151.055,"sentiment":"neutral","sentiment_score":0.05448447912931442},{"text":"Yeah.","start":2151.435,"end":2151.935,"sentiment":"neutral","sentiment_score":0.038693007081747055}],"sentiment":"neutral","sentiment_score":0.0931376215070486,"num_words":30,"start":2138.73,"end":2151.935},{"sentences":[{"text":"Yeah.","start":2158.9548,"end":2159.4548,"sentiment":"neutral","sentiment_score":-0.00443401001393795},{"text":"Yeah.","start":2171.77,"end":2172.27,"sentiment":"neutral","sentiment_score":-0.03638728708028793},{"text":"Mhmm.","start":2172.555,"end":2173.055,"sentiment":"neutral","sentiment_score":-0.023497167974710464},{"text":"Mhmm.","start":2183.835,"end":2183.915,"sentiment":"neutral","sentiment_score":-0.02891893871128559},{"text":"Yeah.","start":2183.915,"end":2184.2349,"sentiment":"neutral","sentiment_score":-0.018549073487520214}],"sentiment":"neutral","sentiment_score":-0.02235729545354843,"num_words":5,"start":2158.9548,"end":2184.2349},{"sentences":[{"text":"No.","start":2184.2349,"end":2184.7349,"sentiment":"neutral","sentiment_score":-0.10336723923683168},{"text":"It's a really good question, Mariano.","start":2185.3298,"end":2187.3499,"sentiment":"neutral","sentiment_score":0.06456756374488275},{"text":"Very good question.","start":2187.41,"end":2188.21,"sentiment":"neutral","sentiment_score":0.12894504765669504},{"text":"And in all honesty, unfortunately, I would be suggesting right now you hold off.","start":2188.21,"end":2192.39,"sentiment":"neutral","sentiment_score":-0.3319597638079098},{"text":"Having an investment property is absolutely a great way to be able to boost for retirement, either keeping the property and, you know, renting it out in retirement for additional income or just keeping it for a couple of years, having it grow and then sell it off to, you know, provide you with a nice big chunk of capital.","start":2193.01,"end":2210.105,"sentiment":"neutral","sentiment_score":0.10159719400107861}],"sentiment":"neutral","sentiment_score":0.02522938372567296,"num_words":84,"start":2184.2349,"end":2210.105},{"sentences":[{"text":"It is a great way to do so.","start":2211.05,"end":2212.81,"sentiment":"neutral","sentiment_score":0.25828309543430805},{"text":"However, in order to access negative gains now, you would have had to have owned that property prior to the budget night.","start":2212.81,"end":2221.71,"sentiment":"negative","sentiment_score":-0.36981416967782105},{"text":"So I would be suggesting you hold off for now.","start":2222.09,"end":2225.15,"sentiment":"neutral","sentiment_score":-0.3142868310213089},{"text":"Let's look at it closer to when we know more.","start":2226.155,"end":2230.095,"sentiment":"neutral","sentiment_score":-0.06843030489981175},{"text":"All of that legislation is currently going through parliament and being argued at the moment, and I think we should hold off.","start":2230.315,"end":2238.315,"sentiment":"neutral","sentiment_score":-0.0679276528852907}],"sentiment":"neutral","sentiment_score":-0.15821148183507225,"num_words":72,"start":2211.05,"end":2238.315},{"sentences":[{"text":"I've got a few other clients the same way, and I've suggested we hold off for now.","start":2238.315,"end":2242.3,"sentiment":"neutral","sentiment_score":-0.08990077367600273},{"text":"Let's look at how this legislation looks like it's going to work so we understand which way is going to be best for you because negative gearing is a great tax strategy, and I wouldn't want you to buy a property and then lose out on negative gearing if that's something that's important to you.","start":2242.3,"end":2259.215,"sentiment":"neutral","sentiment_score":-0.029786546020345254},{"text":"So I would honestly suggest right now we hold off on buying an investment property.","start":2260.5552,"end":2264.975,"sentiment":"neutral","sentiment_score":-0.172994664311409},{"text":"Let's just table it for a few months.","start":2265.39,"end":2267.39,"sentiment":"neutral","sentiment_score":0.07541526574641466},{"text":"We'll check-in any review time and see if there's any changes to the legislation or if there's any guidance on how that's going to go through.","start":2267.39,"end":2274.5298,"sentiment":"neutral","sentiment_score":0.08082383813766333}],"sentiment":"neutral","sentiment_score":-0.025262406865550466,"num_words":121,"start":2238.315,"end":2274.5298},{"sentences":[{"text":"And then we can kind of look at you know, when we have a bit more clarity around what the legislation looks like and what the requirements are gonna be, then we can look at how to help you and provide advice around that area.","start":2274.91,"end":2286.785,"sentiment":"neutral","sentiment_score":0.07103421696358257},{"text":"Okay?","start":2287.005,"end":2287.505,"sentiment":"neutral","sentiment_score":0.019229212775826458},{"text":"Yeah.","start":2289.885,"end":2290.285,"sentiment":"neutral","sentiment_score":-0.07642205059528351},{"text":"It's a little bit hard to answer that question at the moment.","start":2290.285,"end":2293.005,"sentiment":"negative","sentiment_score":-0.39073796073595685},{"text":"I'm so sorry.","start":2293.005,"end":2293.805,"sentiment":"neutral","sentiment_score":-0.30537377794583637}],"sentiment":"neutral","sentiment_score":-0.03976822479237472,"num_words":62,"start":2274.91,"end":2293.805},{"sentences":[{"text":"We don't know what's gonna happen until that legislation passes, but I I do think holding off for now because if the legislation passes, buying a new build home is going to work out generally better for most people.","start":2293.805,"end":2307.0598,"sentiment":"neutral","sentiment_score":-0.1891970538940185},{"text":"Whereas if the legislation doesn't pass, then we might be able to look at a preexisting home depending on what you need what you're after.","start":2307.805,"end":2314.385,"sentiment":"neutral","sentiment_score":-0.0732270523905754},{"text":"Okay.","start":2314.685,"end":2315.185,"sentiment":"neutral","sentiment_score":0.07372704148292542},{"text":"Yeah.","start":2318.5251,"end":2318.7651,"sentiment":"neutral","sentiment_score":0.24009989202022552},{"text":"That's okay.","start":2318.7651,"end":2319.325,"sentiment":"neutral","sentiment_score":0.3043849468231201}],"sentiment":"neutral","sentiment_score":-0.12186418506590758,"num_words":68,"start":2293.805,"end":2319.325},{"sentences":[{"text":"Is there any other questions or anything else that you might have for me at the moment?","start":2319.325,"end":2322.63,"sentiment":"neutral","sentiment_score":0.1903470912400414},{"text":"You're welcome to if anything pops up, let me know as well.","start":2322.63,"end":2325.69,"sentiment":"neutral","sentiment_score":0.2870061198870341},{"text":"Yeah.","start":2330.71,"end":2331.21,"sentiment":"neutral","sentiment_score":0.09769420325756072},{"text":"Mhmm.","start":2336.885,"end":2337.385,"sentiment":"neutral","sentiment_score":0.15842103958129883},{"text":"Yeah.","start":2348.49,"end":2348.73,"sentiment":"neutral","sentiment_score":0.0733860582113266}],"sentiment":"neutral","sentiment_score":0.2190461028367281,"num_words":32,"start":2319.325,"end":2348.73},{"sentences":[{"text":"Yeah.","start":2348.73,"end":2348.89,"sentiment":"neutral","sentiment_score":0.03609398752450943},{"text":"Abs absolutely, could it really just comes down to what's important to your goals?","start":2348.89,"end":2354.17,"sentiment":"neutral","sentiment_score":0.3142934212727206},{"text":"And I think if you've got that kind of money and wanna invest it, let's have another conversation about what your goals are and what you wanna achieve.","start":2354.17,"end":2360.785,"sentiment":"positive","sentiment_score":0.37782916905624525},{"text":"Because, realistically, there's a couple of different options that you can take.","start":2360.785,"end":2364.385,"sentiment":"positive","sentiment_score":0.3577457231779893},{"text":"You can start with that money in neutral as a as a deposit towards buying, say, an investment property or paying down, you know, your current mortgage with that money and saving on interest on your mortgage, or you could invest it into your super and have that growing towards your retirement, or we can also look at investments outside of super.","start":2364.385,"end":2383.98,"sentiment":"neutral","sentiment_score":0.22562386275779817}],"sentiment":"neutral","sentiment_score":0.28459014348749423,"num_words":117,"start":2348.73,"end":2383.98},{"sentences":[{"text":"All of those have different rates of returns, and all of them can provide a great return in the long you know, the long term over the next couple of years.","start":2384.52,"end":2393.485,"sentiment":"positive","sentiment_score":0.5334165961511673},{"text":"What it really comes down to is what's gonna provide you with the greatest benefit and what's gonna help you meet your goal.","start":2393.625,"end":2399.965,"sentiment":"positive","sentiment_score":0.621281763781672},{"text":"So it's about understanding, is your goal more about supplementing super?","start":2400.32,"end":2404.66,"sentiment":"neutral","sentiment_score":0.30179252001372253},{"text":"Is it about making your super grow to the highest amount and having as much tax free income in retirement as possible?","start":2404.8,"end":2411.94,"sentiment":"positive","sentiment_score":0.4963036938147111},{"text":"Is buying an investment property one of the most important things to you?","start":2412.4949,"end":2416.515,"sentiment":"neutral","sentiment_score":0.204072909286389}],"sentiment":"positive","sentiment_score":0.4771674185246229,"num_words":100,"start":2384.52,"end":2416.515},{"sentences":[{"text":"Or is it that you wanna have it invested in another way outside of super?","start":2417.1348,"end":2421.2349,"sentiment":"neutral","sentiment_score":0.12716149141391117},{"text":"So it's about what your goal is, what you're wanting to achieve, and how we get you there.","start":2421.855,"end":2427.1602,"sentiment":"positive","sentiment_score":0.5008169280158149},{"text":"And that's one of the advice document is, a financial plan is.","start":2427.1602,"end":2431.58,"sentiment":"positive","sentiment_score":0.41881319880485535},{"text":"It's a road map to help you meet your goals, and we just adjust that road map as we move closer and closer to your goal.","start":2431.72,"end":2439.74,"sentiment":"positive","sentiment_score":0.47344182202449214},{"text":"Does that make sense?","start":2439.8,"end":2441.02,"sentiment":"neutral","sentiment_score":0.27849410474300385}],"sentiment":"positive","sentiment_score":0.3916179900368055,"num_words":75,"start":2417.1348,"end":2441.02},{"sentences":[{"text":"Yeah.","start":2443.655,"end":2444.155,"sentiment":"neutral","sentiment_score":0.1096244603395462},{"text":"Absolutely.","start":2449.975,"end":2450.475,"sentiment":"positive","sentiment_score":0.4774580001831054},{"text":"Absolutely.","start":2450.935,"end":2451.435,"sentiment":"positive","sentiment_score":0.4787732660770416},{"text":"So, look, with that 100 of grand, think about what it is that you wanna see happen with that money.","start":2451.815,"end":2456.7952,"sentiment":"positive","sentiment_score":0.39148018658161166},{"text":"Think about you know, have a look at your mortgage.","start":2457.36,"end":2459.12,"sentiment":"neutral","sentiment_score":0.07318547517061233}],"sentiment":"neutral","sentiment_score":0.29173679424054694,"num_words":33,"start":2443.655,"end":2459.12},{"sentences":[{"text":"See what you're paying on your mortgage.","start":2459.12,"end":2460.6401,"sentiment":"neutral","sentiment_score":-0.039345437926905494},{"text":"Because sometimes if you've got, you know, your mortgage and you're wanting to, you know, pay that off faster, putting it on your main primary mortgage is a good option.","start":2460.6401,"end":2470.0,"sentiment":"positive","sentiment_score":0.3754106173912684},{"text":"If you've got a higher interest rate, often paying that down helps you reduce the non tax deductible debt a little bit quicker.","start":2470.0,"end":2477.2852,"sentiment":"positive","sentiment_score":0.5086154536060665},{"text":"If you're just wanting to buy another investment property, we could always, you know, have it enough that account for the time being.","start":2477.8252,"end":2483.3452,"sentiment":"positive","sentiment_score":0.38950026294459467},{"text":"You could utilize it towards that, Or adding in the super is not a bad idea as well.","start":2483.3452,"end":2489.17,"sentiment":"positive","sentiment_score":0.5173488126860725}],"sentiment":"positive","sentiment_score":0.40550337193330915,"num_words":101,"start":2459.12,"end":2489.17},{"sentences":[{"text":"There are ways of contributing to super.","start":2489.17,"end":2491.67,"sentiment":"positive","sentiment_score":0.7271292890821185},{"text":"It's just about working out essentially what you're wanting to achieve and how we get you there.","start":2491.8098,"end":2498.23,"sentiment":"positive","sentiment_score":0.6891583169207853},{"text":"Which part of the road map is it important to?","start":2498.3699,"end":2501.27,"sentiment":"neutral","sentiment_score":0.3102210223674774},{"text":"Okay.","start":2501.615,"end":2502.115,"sentiment":"neutral","sentiment_score":0.14297115802764893},{"text":"Yeah.","start":2507.2148,"end":2507.535,"sentiment":"neutral","sentiment_score":0.13126106560230255}],"sentiment":"positive","sentiment_score":0.5606121905148029,"num_words":36,"start":2489.17,"end":2507.535},{"sentences":[{"text":"A lot a lot of things to think about.","start":2507.535,"end":2509.315,"sentiment":"neutral","sentiment_score":0.08705143713288838},{"text":"Absolutely.","start":2510.4949,"end":2510.9949,"sentiment":"neutral","sentiment_score":0.2944647967815399},{"text":"And, look, if you ever have questions, Mariano, matter what it is, you're welcome to give me a call.","start":2511.4548,"end":2516.06,"sentiment":"neutral","sentiment_score":0.26314997045617355},{"text":"I can talk you through things.","start":2516.06,"end":2517.52,"sentiment":"neutral","sentiment_score":0.2897854497035344},{"text":"Are you with that $100, is it some money that you've got sitting in an account somewhere, or is that money that you're coming into?","start":2518.54,"end":2526.24,"sentiment":"neutral","sentiment_score":-0.026124201789498327}],"sentiment":"neutral","sentiment_score":0.11938974705214302,"num_words":60,"start":2507.535,"end":2526.24},{"sentences":[{"text":"Okay.","start":2533.715,"end":2534.215,"sentiment":"neutral","sentiment_score":0.013808226212859154},{"text":"Yep.","start":2536.435,"end":2536.935,"sentiment":"neutral","sentiment_score":0.12146490067243576},{"text":"Yep.","start":2536.995,"end":2537.395,"sentiment":"neutral","sentiment_score":0.17291629314422607},{"text":"So in an offset account for the moment is not a bad place to keep it.","start":2537.395,"end":2541.33,"sentiment":"neutral","sentiment_score":0.18787586968392134},{"text":"Essentially, think of your offset account as like an investment account.","start":2541.73,"end":2546.05,"sentiment":"neutral","sentiment_score":0.17009364881298758}],"sentiment":"neutral","sentiment_score":0.1728411157305042,"num_words":30,"start":2533.715,"end":2546.05},{"sentences":[{"text":"So the interest that you pay on your mortgage of, say, six or seven or 8% depending on what your interest rate is currently, If you put that $100 into your offset account, you're offsetting that the interest rate on your mortgage.","start":2546.05,"end":2562.075,"sentiment":"neutral","sentiment_score":0.18183728272006625},{"text":"So you're essentially getting a guaranteed rate of return.","start":2562.075,"end":2564.975,"sentiment":"positive","sentiment_score":0.3554917640156216},{"text":"So paying down your mortgage faster is not a bad way of doing it.","start":2565.675,"end":2569.535,"sentiment":"neutral","sentiment_score":0.29622735402413775},{"text":"If you're generally speaking, if you're looking to pay down the investment property over the main primary residence, we sort of suggest paying down the main primary residence first because that's nondeductible debt.","start":2569.595,"end":2579.8801,"sentiment":"neutral","sentiment_score":0.1314111351120201},{"text":"You generally wanna pay off bad debt first, which is nontax deductible debt, and then pay off investment debt later on because you get tax deductions for having that debt.","start":2580.02,"end":2590.2249,"sentiment":"neutral","sentiment_score":0.1418490386257569}],"sentiment":"neutral","sentiment_score":0.18418604159523966,"num_words":128,"start":2546.05,"end":2590.2249},{"sentences":[{"text":"But, yeah, look, putting it in your offset account isn't a bad thing.","start":2591.2449,"end":2594.205,"sentiment":"positive","sentiment_score":0.3842787559215839},{"text":"If it's money that you and your wife have in your joint name, it is definitely worth having a chat to her and making sure she's comfortable with it being invested or moved off that because that can affect her as well.","start":2594.205,"end":2606.6501,"sentiment":"positive","sentiment_score":0.43237616547516416},{"text":"Okay?","start":2606.7102,"end":2607.2102,"sentiment":"neutral","sentiment_score":0.1353440284729004},{"text":"And when we do your annual review, I will make sure I ask you more about that $100, and we can talk more about whether we keep it there or whether you move it to something else.","start":2612.645,"end":2621.445,"sentiment":"neutral","sentiment_score":0.09498453915521905},{"text":"Okay?","start":2621.445,"end":2621.945,"sentiment":"neutral","sentiment_score":0.1195261925458908}],"sentiment":"neutral","sentiment_score":0.28643320156063173,"num_words":94,"start":2591.2449,"end":2621.945},{"sentences":[{"text":"That's okay.","start":2625.2202,"end":2626.04,"sentiment":"positive","sentiment_score":0.4282359629869461},{"text":"Not a problem.","start":2626.1,"end":2627.0,"sentiment":"positive","sentiment_score":0.38186909755071},{"text":"That's basically everything I needed to go through.","start":2627.4602,"end":2629.4602,"sentiment":"neutral","sentiment_score":0.27266118861734867},{"text":"I will let you go back so you can have a bit of a read through it.","start":2629.4602,"end":2632.1,"sentiment":"neutral","sentiment_score":0.27968846086193533},{"text":"Take some time, and let me know if there's any questions.","start":2632.1,"end":2634.36,"sentiment":"neutral","sentiment_score":0.2563909197395498}],"sentiment":"neutral","sentiment_score":0.2867895775451893,"num_words":41,"start":2625.2202,"end":2634.36},{"sentences":[{"text":"If you ever have questions, you're not limited to one phone call a year.","start":2634.9001,"end":2638.1802,"sentiment":"neutral","sentiment_score":0.1716484267796789},{"text":"You can call me anytime you like, or you can let the guys know that you wanna have a chat, and I'll make time to catch up with you.","start":2638.1802,"end":2644.815,"sentiment":"neutral","sentiment_score":0.22150282510395708},{"text":"In the meantime, I know your annual review is due a bit later in the year.","start":2644.815,"end":2649.695,"sentiment":"neutral","sentiment_score":0.10146004054695368},{"text":"I'm just gonna double check when that is due for you.","start":2649.695,"end":2653.5,"sentiment":"neutral","sentiment_score":0.1076307472857562},{"text":"It's around about October.","start":2655.0798,"end":2656.7,"sentiment":"neutral","sentiment_score":-0.0009472594829276204}],"sentiment":"neutral","sentiment_score":0.15716445586342062,"num_words":74,"start":2634.9001,"end":2656.7},{"sentences":[{"text":"Sorry.","start":2657.5598,"end":2658.0598,"sentiment":"neutral","sentiment_score":-0.029778171330690384},{"text":"Yeah.","start":2665.735,"end":2666.235,"sentiment":"neutral","sentiment_score":0.07307681441307068},{"text":"Did you want me to do a catch up with you before October, or are you happy just for the next conversation to be in October?","start":2666.2952,"end":2672.695,"sentiment":"neutral","sentiment_score":0.10687040795500462},{"text":"What would you like, Mariano?","start":2672.695,"end":2673.995,"sentiment":"neutral","sentiment_score":0.05463314652442932},{"text":"Yeah.","start":2678.55,"end":2679.05,"sentiment":"neutral","sentiment_score":0.07161476463079453}],"sentiment":"neutral","sentiment_score":0.09313852197545416,"num_words":34,"start":2657.5598,"end":2679.05},{"sentences":[{"text":"Absolutely.","start":2683.43,"end":2683.93,"sentiment":"positive","sentiment_score":0.3992109298706054},{"text":"That's not a problem at all.","start":2684.79,"end":2686.63,"sentiment":"positive","sentiment_score":0.46736853818098706},{"text":"Okay.","start":2686.63,"end":2687.13,"sentiment":"neutral","sentiment_score":0.14004677534103394},{"text":"You got a lot of work coming up.","start":2687.7249,"end":2689.085,"sentiment":"neutral","sentiment_score":0.030874336749548092},{"text":"You'll be very busy for the next few weeks, so, hopefully, you get some downtime and some holidays.","start":2689.085,"end":2693.585,"sentiment":"neutral","sentiment_score":-0.10773560135728782}],"sentiment":"neutral","sentiment_score":0.04856537658419898,"num_words":34,"start":2683.43,"end":2693.585},{"sentences":[{"text":"Very good.","start":2699.565,"end":2700.2048,"sentiment":"positive","sentiment_score":0.7987883388996124},{"text":"All good.","start":2700.2048,"end":2700.605,"sentiment":"positive","sentiment_score":0.6704798638820648},{"text":"Well, look.","start":2700.605,"end":2701.005,"sentiment":"positive","sentiment_score":0.35017792880535126},{"text":"I will let you go.","start":2701.005,"end":2701.885,"sentiment":"positive","sentiment_score":0.39394593238830566},{"text":"I appreciate your time.","start":2701.885,"end":2703.345,"sentiment":"positive","sentiment_score":0.6797591745853424}],"sentiment":"positive","sentiment_score":0.555177241563797,"num_words":15,"start":2699.565,"end":2703.345},{"sentences":[{"text":"I know it's still early there.","start":2703.54,"end":2705.32,"sentiment":"neutral","sentiment_score":0.11585300664107005},{"text":"You're two hours ahead of me, so I hope you have a good afternoon and don't work too hard.","start":2705.62,"end":2710.98,"sentiment":"neutral","sentiment_score":0.24126509341754412},{"text":"And let me know if there's any questions that come out of that document.","start":2710.98,"end":2713.72,"sentiment":"neutral","sentiment_score":0.17725775710174016},{"text":"If you're happy just to make those changes, I'll get you to sign and return it back.","start":2714.02,"end":2717.775,"sentiment":"neutral","sentiment_score":0.2657328028889263},{"text":"If there is any part of the advice you don't do not wish to proceed with, on the very last page, there is a text box, and you can just write in that if there's something you do not wanna proceed with.","start":2718.095,"end":2728.815,"sentiment":"neutral","sentiment_score":-0.13857980640161605}],"sentiment":"neutral","sentiment_score":0.0658966244331428,"num_words":98,"start":2703.54,"end":2728.815},{"sentences":[{"text":"Okay?","start":2728.815,"end":2729.315,"sentiment":"neutral","sentiment_score":-0.013323305174708366},{"text":"Oh, not a problem at all.","start":2733.87,"end":2735.1501,"sentiment":"positive","sentiment_score":0.6164722243944804},{"text":"It's been an absolute pleasure.","start":2735.1501,"end":2736.43,"sentiment":"positive","sentiment_score":0.8777369260787964},{"text":"I've really enjoyed putting the research together.","start":2736.43,"end":2738.45,"sentiment":"positive","sentiment_score":0.8978540131023952},{"text":"You've also got lots of other fun documents attached, like the financial services guide.","start":2738.9102,"end":2743.005,"sentiment":"positive","sentiment_score":0.6146564036607742}],"sentiment":"positive","sentiment_score":0.6958897701379928,"num_words":33,"start":2728.815,"end":2743.005},{"sentences":[{"text":"I've got PDF documents if you like having a bit of a read of things as well.","start":2743.005,"end":2746.865,"sentiment":"positive","sentiment_score":0.45692742046187906},{"text":"So you're welcome to run your eyes over any of those if you want to.","start":2747.165,"end":2751.165,"sentiment":"neutral","sentiment_score":0.2140674114227295},{"text":"Okay.","start":2751.165,"end":2751.665,"sentiment":"neutral","sentiment_score":0.14185196161270142},{"text":"No worries.","start":2754.86,"end":2755.5,"sentiment":"positive","sentiment_score":0.4497883468866348},{"text":"You have a lovely evening, Mariano.","start":2755.5,"end":2757.28,"sentiment":"positive","sentiment_score":0.7320252855618795}],"sentiment":"positive","sentiment_score":0.400301407023174,"num_words":41,"start":2743.005,"end":2757.28},{"sentences":[{"text":"Thank you.","start":2760.54,"end":2761.1,"sentiment":"positive","sentiment_score":0.5972074866294861},{"text":"I'll talk to you soon.","start":2761.1,"end":2762.32,"sentiment":"positive","sentiment_score":0.35343186259269715},{"text":"See you later.","start":2762.46,"end":2763.36,"sentiment":"neutral","sentiment_score":0.2573520441850026},{"text":"Bye.","start":2764.46,"end":2764.96,"sentiment":"neutral","sentiment_score":-0.08563367277383804}],"sentiment":"neutral","sentiment_score":0.3316360678185116,"num_words":11,"start":2760.54,"end":2764.96}]}}]},{"alternatives":[{"transcript":"Speaking. Hello? Is Mariano here? I'm getting to say a say now you said? My day is going good. How has yours been? Yes. It is. Yes. It Full name, Mariano Mariano. Address, 29 Varela Road, Avelly Path. What was the other thing? Twenty four zero four seventy three. Yeah. Yes. I have access to them. Yep. I'm watching and refreshing. Yeah. It hasn't been you know, it it has been okay. Not too busy, but tomorrow is going to be busier. Yeah. Yes. It will go faster. My boss sent me a message. He's going on leave. So I've just been forwarded a couple of meetings, and I have a shutdown starting tomorrow. So, yes, it's going to be exciting in court. The email hasn't come through yet. So say now where where where are you located? Brisbane? Oh, God. God, by the way. Yes. How is it there now? The weather? Alright. Alright. Yeah. It has been I'm I'm wearing a jumper. Yeah. So it is it is color. Yes. Especially in the mornings and evenings. Yes. It is it is a bit cold. Yeah. They can be blazing hot, especially where I work because I I work at a mine site where I'm going tomorrow up north in Palabadeu. Yes. It will be much warmer there. And in summer, we get to 48 degrees easy. Yes. We do. Yes. It has just come through the point of advice. Alright. Is is is it an attachment? Yes. Okay. I've opened it. Yes. Mhmm. Yes. No. That's I think it's roundabout the same figure. Yeah. Alright. Yes. I'm on page 16 now. Yes. I'm looking at it. Alright. Alright. Yep. Yes. Alright. Okay. Sorry. The VanEgg Australia property. Is it the same company as VanEck China New Economy? Is it a branch? Yeah. VanEck Australian Property. Is it the same company as VanEck China New Economy? Yep. Alright. Alright. Yep. Mhmm. Yeah. Alright. Yes. Makes sense. I want it working as hard as possible. Yeah. Yeah. Especially the way I am, where I'm thinking that, okay. Retirement may not be too far away, so we need to boost yeah. Yeah. Age 25. Yes. I'm there. Alright. Alright. Yep. Yes. You do. Alright. Yes. It does make sense. Okay. So the projected okay. This projected balance, the number of years is counting from now. Is that correct? Yeah. Alright. Yes. Yes. It does. It does make sense. Yeah. Yeah. Yeah. Just just curious. So HUB24, I can see in the with my portfolio how it is performed. How does performance of HUB24 compare with the other superannuation funds? I I just thought of it now. I haven't even looked it up. So just curious to know how HUB24 is doing relative to its competitors, if I may say. Yes. It does make sense. I tell you. But you can imagine us when we are shopping around, you know, go on the web and we'll see, you know, which superannuation has been doing, you know, better. Yeah. Yeah. Alright. Yeah. So so comparing to other diversified portfolios, how how is my portfolio doing generally comparatively? Alright. Yep. Income and growth. Okay. Okay. That's over the past twelve months. Alright. Okay. Good. Good. Good to hear. And from what you have put on the on on the table on page 25, so it's assumed that it will grow by average 12.55% going forward. Yes. Okay. Alright. Good to hear. Yes. Alright. Yep. Yes. Yes. Yes. Alright. I think that that that that's straightforward. Yes. Yes. Yep. I'm looking at that. So about about about 100 k difference, the recommended between recommended and no insurance over a ten year period. Yeah. Yep. That makes sense. Alright. Yeah. Makes sense. Yeah. I I also had something separate, you know, to to to ask. We're preparing for retirement. We're thinking of investing in an investment property in our house. Now we've been hearing, you know, capital gains tax that could change negative, you know, in in in our gear room. Yeah. So so so wanted to hear what, you know, what you think. Should we be rushing to buy the property before these are legislated, these changes? Yeah. Yeah. Yes. Yeah. Yeah. Okay. Sounds sounds sounds good. Alright. Okay. Same. Yeah. So, hypothetically, if I suppose that I just have say, a 100 to invest over the next few years, where would it likely produce the greatest maybe long term, hopefully, after tax return? Could I contribute additional, you know, to my super contributions? Could they be buying for, actually? Yes. It makes sense. Yeah. Ultimately, the goal is when I retire, I don't want to check. I want to be comfortable financially. Alright. Yeah. We'll talk about that sometime. Yeah. Yeah. It's it's money. I I that we put my wife and I put in an offset account. Again, it's our home loan. Yeah. Yep. Yes. Yep. Yep. No. We'll definitely we'll definitely talk about this. Alright. Thanks for that, Zaina. It would be yes. I'm looking I'm looking at my notes here. The the the last one, we had it on the October 13 last year. I think we can talk in October, as you have mentioned. If it happens that I need to talk to you before then, I'll make an appointment. Yeah. Yeah. We'll plan for that. Alright. No. Thanks, Diana, for your time as well. Yeah. Alright. Thanks, Zaina. I can see it. Alright. Bye. 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Hello? Is Mariano here? I'm getting to say a say now you said? My day is going good.\n\nHow has yours been? Yes. It is. Yes. It Full name, Mariano Mariano.\n\nAddress, 29 Varela Road, Avelly Path. What was the other thing? Twenty four zero four seventy three. Yeah. Yes.\n\nI have access to them. Yep. I'm watching and refreshing. Yeah. It hasn't been you know, it it has been okay.\n\nNot too busy, but tomorrow is going to be busier. Yeah. Yes. It will go faster. My boss sent me a message.\n\nHe's going on leave. So I've just been forwarded a couple of meetings, and I have a shutdown starting tomorrow. So, yes, it's going to be exciting in court. The email hasn't come through yet. So say now where where where are you located?\n\nBrisbane? Oh, God. God, by the way. Yes. How is it there now?\n\nThe weather? Alright. Alright. Yeah. It has been I'm I'm wearing a jumper.\n\nYeah. So it is it is color. Yes. Especially in the mornings and evenings. Yes.\n\nIt is it is a bit cold. Yeah. They can be blazing hot, especially where I work because I I work at a mine site where I'm going tomorrow up north in Palabadeu. Yes. It will be much warmer there.\n\nAnd in summer, we get to 48 degrees easy. Yes. We do. Yes. It has just come through the point of advice.\n\nAlright. Is is is it an attachment? Yes. Okay. I've opened it.\n\nYes. Mhmm. Yes. No. That's I think it's roundabout the same figure.\n\nYeah. Alright. Yes. I'm on page 16 now. Yes.\n\nI'm looking at it. Alright. Alright. Yep. Yes.\n\nAlright. Okay. Sorry. The VanEgg Australia property. Is it the same company as VanEck China New Economy?\n\nIs it a branch? Yeah. VanEck Australian Property. Is it the same company as VanEck China New Economy? Yep.\n\nAlright. Alright. Yep. Mhmm. Yeah.\n\nAlright. Yes. Makes sense. I want it working as hard as possible. Yeah.\n\nYeah. Especially the way I am, where I'm thinking that, okay. Retirement may not be too far away, so we need to boost yeah. Yeah. Age 25.\n\nYes. I'm there. Alright. Alright. Yep.\n\nYes. You do. Alright. Yes. It does make sense.\n\nOkay. So the projected okay. This projected balance, the number of years is counting from now. Is that correct? Yeah.\n\nAlright. Yes. Yes. It does. It does make sense.\n\nYeah. Yeah. Yeah. Just just curious. So HUB24, I can see in the with my portfolio how it is performed.\n\nHow does performance of HUB24 compare with the other superannuation funds? I I just thought of it now. I haven't even looked it up. So just curious to know how HUB24 is doing relative to its competitors, if I may say. Yes.\n\nIt does make sense. I tell you. But you can imagine us when we are shopping around, you know, go on the web and we'll see, you know, which superannuation has been doing, you know, better. Yeah. Yeah.\n\nAlright. Yeah. So so comparing to other diversified portfolios, how how is my portfolio doing generally comparatively? Alright. Yep.\n\nIncome and growth. Okay. Okay. That's over the past twelve months. Alright.\n\nOkay. Good. Good. Good to hear. And from what you have put on the on on the table on page 25, so it's assumed that it will grow by average 12.55% going forward.\n\nYes. Okay. Alright. Good to hear. Yes.\n\nAlright. Yep. Yes. Yes. Yes.\n\nAlright. I think that that that that's straightforward. Yes. Yes. Yep.\n\nI'm looking at that. So about about about 100 k difference, the recommended between recommended and no insurance over a ten year period. Yeah. Yep. That makes sense.\n\nAlright. Yeah. Makes sense. Yeah. I I also had something separate, you know, to to to ask.\n\nWe're preparing for retirement. We're thinking of investing in an investment property in our house. Now we've been hearing, you know, capital gains tax that could change negative, you know, in in in our gear room. Yeah. So so so wanted to hear what, you know, what you think.\n\nShould we be rushing to buy the property before these are legislated, these changes? Yeah. Yeah. Yes. Yeah.\n\nYeah. Okay. Sounds sounds sounds good. Alright. Okay.\n\nSame. Yeah. So, hypothetically, if I suppose that I just have say, a 100 to invest over the next few years, where would it likely produce the greatest maybe long term, hopefully, after tax return? Could I contribute additional, you know, to my super contributions? Could they be buying for, actually?\n\nYes. It makes sense. Yeah. Ultimately, the goal is when I retire, I don't want to check. I want to be comfortable financially.\n\nAlright. Yeah. We'll talk about that sometime. Yeah. Yeah.\n\nIt's it's money. I I that we put my wife and I put in an offset account. Again, it's our home loan. Yeah. Yep.\n\nYes. Yep. Yep. No. We'll definitely we'll definitely talk about this.\n\nAlright. Thanks for that, Zaina. It would be yes. I'm looking I'm looking at my notes here. The the the last one, we had it on the October 13 last year.\n\nI think we can talk in October, as you have mentioned. If it happens that I need to talk to you before then, I'll make an appointment. Yeah. Yeah. We'll plan for that.\n\nAlright. No. Thanks, Diana, for your time as well. Yeah. Alright.\n\nThanks, Zaina. I can see it. Alright. Bye. 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sense.","start":2150.165,"end":2150.905,"sentiment":"neutral","sentiment_score":0.1308366321027279},{"text":"Yeah.","start":2151.7651,"end":2152.2651,"sentiment":"neutral","sentiment_score":0.01892923004925251},{"text":"I I also had something separate, you know, to to to ask.","start":2153.285,"end":2157.945,"sentiment":"neutral","sentiment_score":-0.0047025099241485195}],"sentiment":"neutral","sentiment_score":0.0256507992196609,"num_words":17,"start":2149.045,"end":2157.945},{"sentences":[{"text":"We're preparing for retirement.","start":2159.525,"end":2160.905,"sentiment":"neutral","sentiment_score":-0.002070104703307152},{"text":"We're thinking of investing in an investment property in our house.","start":2161.045,"end":2165.74,"sentiment":"neutral","sentiment_score":0.014526821418919346},{"text":"Now we've been hearing, you know, capital gains tax that could change negative, you know, in in in our gear room.","start":2165.74,"end":2173.28,"sentiment":"neutral","sentiment_score":-0.06529947804907958},{"text":"Yeah.","start":2173.3398,"end":2173.8398,"sentiment":"neutral","sentiment_score":-0.021945733577013016},{"text":"So so so wanted to hear what, you know, what you think.","start":2174.635,"end":2178.0151,"sentiment":"neutral","sentiment_score":-0.012794919312000275}],"sentiment":"neutral","sentiment_score":-0.028474677297077616,"num_words":49,"start":2159.525,"end":2178.0151},{"sentences":[{"text":"Should we be rushing to buy the property before these are legislated, these changes?","start":2178.3152,"end":2184.415,"sentiment":"neutral","sentiment_score":-0.060386612745268006},{"text":"Yeah.","start":2184.955,"end":2185.455,"sentiment":"neutral","sentiment_score":-0.04272061958909035},{"text":"Yeah.","start":2185.5151,"end":2186.0151,"sentiment":"neutral","sentiment_score":-0.012884925119578838},{"text":"Yes.","start":2236.165,"end":2236.665,"sentiment":"neutral","sentiment_score":0.03605441749095917},{"text":"Yeah.","start":2253.43,"end":2253.93,"sentiment":"neutral","sentiment_score":0.05187106877565384}],"sentiment":"neutral","sentiment_score":-0.04517181315976712,"num_words":18,"start":2178.3152,"end":2253.93},{"sentences":[{"text":"Yeah.","start":2283.49,"end":2283.99,"sentiment":"neutral","sentiment_score":0.13487379252910614},{"text":"Okay.","start":2288.635,"end":2289.135,"sentiment":"neutral","sentiment_score":-0.030334532260894775},{"text":"Sounds sounds sounds good.","start":2289.995,"end":2291.615,"sentiment":"negative","sentiment_score":-0.3948192000389099},{"text":"Alright.","start":2315.4502,"end":2315.9502,"sentiment":"neutral","sentiment_score":0.1188618540763855},{"text":"Okay.","start":2316.7302,"end":2317.1301,"sentiment":"neutral","sentiment_score":0.12935200333595276}],"sentiment":"neutral","sentiment_score":-0.15331546030938625,"num_words":8,"start":2283.49,"end":2317.1301},{"sentences":[{"text":"Same.","start":2317.1301,"end":2317.6301,"sentiment":"neutral","sentiment_score":0.17746403813362122},{"text":"Yeah.","start":2327.075,"end":2327.575,"sentiment":"neutral","sentiment_score":0.11966873705387115},{"text":"So, hypothetically, if I suppose that I just have say, a 100 to invest over the next few years, where would it likely produce the greatest maybe long term, hopefully, after tax return?","start":2328.035,"end":2342.88,"sentiment":"neutral","sentiment_score":0.13912770569776045},{"text":"Could I contribute additional, you know, to my super contributions?","start":2343.5798,"end":2347.2798,"sentiment":"neutral","sentiment_score":0.11431347653269767},{"text":"Could they be buying for, actually?","start":2348.165,"end":2349.945,"sentiment":"neutral","sentiment_score":0.07202156198521455}],"sentiment":"neutral","sentiment_score":0.12673747451866374,"num_words":51,"start":2317.1301,"end":2349.945},{"sentences":[{"text":"Yes.","start":2441.88,"end":2442.1199,"sentiment":"positive","sentiment_score":0.4035113751888275},{"text":"It makes sense.","start":2442.1199,"end":2443.0,"sentiment":"positive","sentiment_score":0.388224333524704},{"text":"Yeah.","start":2443.0,"end":2443.48,"sentiment":"neutral","sentiment_score":0.23927772045135495},{"text":"Ultimately, the goal is when I retire, I don't want to check.","start":2443.48,"end":2446.92,"sentiment":"neutral","sentiment_score":-0.01404186524450779},{"text":"I want to be comfortable financially.","start":2446.92,"end":2448.8599,"sentiment":"neutral","sentiment_score":0.09673072894414265}],"sentiment":"neutral","sentiment_score":0.09649322117152422,"num_words":23,"start":2441.88,"end":2448.8599},{"sentences":[{"text":"Alright.","start":2505.26,"end":2505.76,"sentiment":"neutral","sentiment_score":0.1604289561510086},{"text":"Yeah.","start":2507.18,"end":2507.5,"sentiment":"neutral","sentiment_score":0.13246594369411469},{"text":"We'll talk about that sometime.","start":2507.5,"end":2508.96,"sentiment":"neutral","sentiment_score":0.11603498458862305},{"text":"Yeah.","start":2510.14,"end":2510.64,"sentiment":"neutral","sentiment_score":0.16522550582885742},{"text":"Yeah.","start":2518.315,"end":2518.815,"sentiment":"neutral","sentiment_score":0.05646752566099167}],"sentiment":"neutral","sentiment_score":0.12164031714200974,"num_words":9,"start":2505.26,"end":2518.815},{"sentences":[{"text":"It's it's money.","start":2527.5898,"end":2528.71,"sentiment":"neutral","sentiment_score":-0.0010406550815484168},{"text":"I I that we put my wife and I put in an offset account.","start":2528.71,"end":2532.89,"sentiment":"neutral","sentiment_score":0.017236269611333097},{"text":"Again, it's our home loan.","start":2532.95,"end":2535.2698,"sentiment":"neutral","sentiment_score":0.02829022631049156},{"text":"Yeah.","start":2535.2698,"end":2535.7698,"sentiment":"neutral","sentiment_score":0.0871422067284584},{"text":"Yep.","start":2566.44,"end":2566.94,"sentiment":"neutral","sentiment_score":0.3157739043235779}],"sentiment":"neutral","sentiment_score":0.03260637716327134,"num_words":24,"start":2527.5898,"end":2566.94},{"sentences":[{"text":"Yes.","start":2585.8901,"end":2586.3901,"sentiment":"neutral","sentiment_score":0.178215891122818},{"text":"Yep.","start":2607.3652,"end":2607.8652,"sentiment":"neutral","sentiment_score":0.12423345446586607},{"text":"Yep.","start":2608.165,"end":2608.645,"sentiment":"neutral","sentiment_score":0.1207057535648346},{"text":"No.","start":2608.645,"end":2608.885,"sentiment":"neutral","sentiment_score":0.0421098992228508},{"text":"We'll definitely we'll definitely talk about this.","start":2608.885,"end":2611.705,"sentiment":"neutral","sentiment_score":0.264268159866333}],"sentiment":"neutral","sentiment_score":0.21046746522188187,"num_words":11,"start":2585.8901,"end":2611.705},{"sentences":[{"text":"Alright.","start":2623.0698,"end":2623.5698,"sentiment":"positive","sentiment_score":0.34282439947128296},{"text":"Thanks for that, Zaina.","start":2623.71,"end":2625.01,"sentiment":"positive","sentiment_score":0.6983426660299301},{"text":"It would be yes.","start":2655.3052,"end":2658.185,"sentiment":"neutral","sentiment_score":-0.003854847513139248},{"text":"I'm looking I'm looking at my notes here.","start":2658.185,"end":2660.5051,"sentiment":"neutral","sentiment_score":-0.003066803910769522},{"text":"The the the last one, we had it on the October 13 last year.","start":2660.5051,"end":2665.3252,"sentiment":"neutral","sentiment_score":0.013205634829189097}],"sentiment":"neutral","sentiment_score":0.10584258483422379,"num_words":31,"start":2623.0698,"end":2665.3252},{"sentences":[{"text":"I think we can talk in October, as you have mentioned.","start":2674.98,"end":2677.6199,"sentiment":"neutral","sentiment_score":0.12083214724605734},{"text":"If it happens that I need to talk to you before then, I'll make an appointment.","start":2677.6199,"end":2682.3599,"sentiment":"neutral","sentiment_score":0.08854983653873205},{"text":"Yeah.","start":2688.355,"end":2688.855,"sentiment":"neutral","sentiment_score":0.03248601406812668},{"text":"Yeah.","start":2695.955,"end":2696.115,"sentiment":"neutral","sentiment_score":0.12997059524059296},{"text":"We'll plan for that.","start":2696.115,"end":2697.36,"sentiment":"positive","sentiment_score":0.3338722512125969}],"sentiment":"neutral","sentiment_score":0.12860292783289246,"num_words":33,"start":2674.98,"end":2697.36},{"sentences":[{"text":"Alright.","start":2730.41,"end":2730.91,"sentiment":"neutral","sentiment_score":0.03491209074854851},{"text":"No.","start":2731.05,"end":2731.45,"sentiment":"neutral","sentiment_score":-0.05667923018336296},{"text":"Thanks, Diana, for your time as well.","start":2731.45,"end":2733.47,"sentiment":"positive","sentiment_score":0.40014249086380005},{"text":"Yeah.","start":2747.655,"end":2748.155,"sentiment":"neutral","sentiment_score":0.17199647426605225},{"text":"Alright.","start":2752.96,"end":2753.12,"sentiment":"neutral","sentiment_score":0.24918290972709656}],"sentiment":"neutral","sentiment_score":0.2909463346004486,"num_words":11,"start":2730.41,"end":2753.12},{"sentences":[{"text":"Thanks, Zaina.","start":2753.12,"end":2757.7,"sentiment":"positive","sentiment_score":0.45203687250614166},{"text":"I can see it.","start":2758.4001,"end":2759.3801,"sentiment":"positive","sentiment_score":0.40654048323631287},{"text":"Alright.","start":2763.2,"end":2763.7,"sentiment":"neutral","sentiment_score":0.1441132426261902},{"text":"Bye.","start":2764.1602,"end":2764.4001,"sentiment":"neutral","sentiment_score":0.15813684463500977},{"text":"Goodbye.","start":2764.4001,"end":2764.9001,"sentiment":"neutral","sentiment_score":0.16174016892910004}],"sentiment":"neutral","sentiment_score":0.3326917704608705,"num_words":9,"start":2753.12,"end":2764.9001}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Speaking. Hello? Is Mariano here?\n\nChannel 0: Hi, Mariana. It's Zaina from Okie Financial. How are you this afternoon?\n\nChannel 1: I'm getting to say a say now you said?\n\nChannel 0: Yes. Yes. It's Dana from Oakview Financial. How's your day been going?\n\nChannel 1: My day is going good. How has yours been?\n\nChannel 0: Yeah. Really good. Thank you. Thanks for asking. I had you booked in this afternoon to go through your updated statement of advice.\n\nIs now still a good time there for\n\nChannel 1: Yes.\n\nChannel 0: you?\n\nChannel 1: It is.\n\nChannel 0: Fantastic. Fantastic. And before we jump into the call there, Mariana, I do need to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that?\n\nChannel 1: Yes. It\n\nChannel 0: Fantastic. And I just need to do security there with you as well. If you can just confirm for me your full name, your date of birth, and address I should have on file.\n\nChannel 1: Full name, Mariano Mariano. Address, 29 Varela Road, Avelly Path. What was the other thing?\n\nChannel 0: Date of birth.\n\nChannel 1: Twenty four zero four seventy three.\n\nChannel 0: Oh, beautiful. Thank you so much for that. Now as I kinda mentioned, we have your updated statement of advice document. We were looking to reassess your insurances for you because you have made mention when we spoke last time that they were very expensive. But we've also gone back and had a look at your super.\n\nEssentially, we wanted to make sure that your portfolio is working for you, and we have sort of gone back and reviewed everything as part of the advice and noted that there's been some underperforming investments. So we wanted to make some changes there for you. So this in advice document is kind of incorporating all of that. Do\n\nChannel 1: Yeah.\n\nChannel 0: you happen to have access to your emails right now? If you don't, that is okay.\n\nChannel 1: Yes. I have access to them.\n\nChannel 0: Fantastic. I'm just gonna send you an email to you now. If you can open that up for me, and hopefully, it comes through shortly. It might take a second to come through. Just kind of let me know if it does.\n\nChannel 1: Yep. I'm watching and refreshing.\n\nChannel 0: That's okay. Love technology when it wants to work.\n\nChannel 1: Yeah.\n\nChannel 0: Have you had a really busy day?\n\nChannel 1: It hasn't been you know, it it has been okay. Not too busy, but tomorrow is going to be busier.\n\nChannel 0: Oh, wow. Well, hopefully,\n\nChannel 1: Yeah.\n\nChannel 0: it's a good day for you tomorrow. Does busy mean it'll go a bit faster?\n\nChannel 1: Yes. It will go faster. My boss sent me a message. He's going on leave. So I've just been forwarded a couple of meetings, and I have a shutdown\n\nChannel 0: Really?\n\nChannel 1: starting tomorrow. So, yes, it's going to be exciting in court.\n\nChannel 0: Oh, that's exciting. I love that. All good. All good.\n\nChannel 1: The email\n\nChannel 0: Nothing\n\nChannel 1: hasn't\n\nChannel 0: yet.\n\nChannel 1: come through yet.\n\nChannel 0: No. That's okay. It should be very, very shortly.\n\nChannel 1: So say now where where where are you located? Brisbane?\n\nChannel 0: We're on the we're on the Gold Coast. Yeah.\n\nChannel 1: Oh, God. God, by the way. Yes. How is it there\n\nChannel 0: Yeah.\n\nChannel 1: now? The weather?\n\nChannel 0: Well, for me, it's quite cold. For you, it might be a bit warmer.\n\nChannel 1: Alright.\n\nChannel 0: I own it that I'm I probably feel the cold worse than most people.\n\nChannel 1: Alright.\n\nChannel 0: No. How's the weather where you are at the moment?\n\nChannel 1: Yeah. It has been I'm I'm wearing a jumper. Yeah. So it is it is color. Yes.\n\nChannel 0: Yeah.\n\nChannel 1: Especially in the mornings and evenings. Yes. It is it is a bit cold.\n\nChannel 0: Yeah. Well because in WA, like, where you are, you kinda feel it's probably a different kinda cold to what we would have over here. But then your summers are very hot too, aren't they?\n\nChannel 1: Yeah. They can be blazing hot, especially where I work because I I work at a mine site where I'm going tomorrow up north in Palabadeu. Yes. It will be much warmer there. And in summer,\n\nChannel 0: Yeah.\n\nChannel 1: we get to 48 degrees easy.\n\nChannel 0: That is extremely hot. Like, we don't even get that kind of I mean, we had I don't think we've had that kind of heat over here in, oh, years and years, so you're definitely feeling the heat a lot more over there.\n\nChannel 1: Yes. We do.\n\nChannel 0: Has anything popped through there as as of yet?\n\nChannel 1: Yes. It has\n\nChannel 0: Oh,\n\nChannel 1: just\n\nChannel 0: beautiful.\n\nChannel 1: come through the point of advice.\n\nChannel 0: Fantastic. Excellent.\n\nChannel 1: Alright.\n\nChannel 0: So on\n\nChannel 1: Is\n\nChannel 0: the front\n\nChannel 1: is\n\nChannel 0: page\n\nChannel 1: is it an\n\nChannel 0: there,\n\nChannel 1: attachment?\n\nChannel 0: you'll so it you can do the attachments. If not, if you click on the sign now button, it takes you through so you can\n\nChannel 1: Yes.\n\nChannel 0: review the document. It will never ask you to sign anything until you've read it. So you're welcome to take it back after the call and review it and read it and let me know if you do have additional questions. Okay?\n\nChannel 1: Okay. I've opened\n\nChannel 0: Perfect.\n\nChannel 1: it.\n\nChannel 0: Excellent. So last time we called up, as I mentioned, you wanted me to have a look at your insurances. So you mentioned you were they were costing you a lot of money, and it does affect you so far. Your goal with your insurance is what that you was that you wanted to make sure that in the event of you having passed away or having a TPD claim that your income that your mortgage is fully paid off and with income replacement\n\nChannel 1: Yes.\n\nChannel 0: covering you for up to 70% of your current income in the event of a\n\nChannel 1: Mhmm.\n\nChannel 0: claim. You also wanted to make sure with your life with your life and TV that you could cover about two to five years worth of income replacement there as well and to see if we can make the insurances a bit cheaper because they are extremely expensive. And, unfortunately,\n\nChannel 1: Yes.\n\nChannel 0: as we get older, the risk of us making a claim increases. So, again, those insurances do continue to get more expensive. Your income, what we confirmed, and my colleague confirmed when we spoke to you last, is about 201,825. Have you had an increase or an alteration on that income at all?\n\nChannel 1: No. That's I think it's roundabout the same figure. Yeah.\n\nChannel 0: Yep. Beautiful. Beautiful. So to make it easier on the document, I'll as I said, you can go back and definitely have a read through it all, but I'll take you through the pages that are very relevant to today's call. If you can scroll down to page number 16 for me, I'll start by just taking you to the recommendation around the, the superannuation side of things.\n\nChannel 1: Alright. Yes. I'm on page 16 now.\n\nChannel 0: Beautiful. Now the heading there should be investment recommendations oh, recommended investment superannuation. Is that the heading you can see there? You should have a table with lots of different investment names there.\n\nChannel 1: Yes. I'm looking at it.\n\nChannel 0: Beautiful. So, essentially, as I kinda mentioned, we had a bit of a look at your super fund. I wanted to make sure that you're obviously in the best performing investments and make sure your super is working harder for you because you're working hard, your contributions are going in, and you wanna have that great retirement when you get older as well. So I had a really good look at how things were structured. I noticed that some of your investments were underperforming, so we've decided to do a bit of an investment switch.\n\nWe're looking to retain your hub twenty four. The super fund itself is fine. There's no underlying issues or requirement to change the fund, but we are gonna do a bit of an investment switch here for you. So we are going to, as you can see here, sell off all the global ex battery lithium tax, remove that down to zero. The Ben along Australian equities has been underperforming pretty significantly holding your portfolio back a little bit.\n\nSo we're gonna sell all of that off and remove that from your portfolio. You don't need to be invested in anything underperforming. We've also got the bank hybrids there. Now this investment is being phased out in the future. So it is best to remove this from your portfolio now.\n\nBank hybrids are more of a defensive low risk investment, more cash producing, like, income producing. But as they're gonna be phased out in the future, we either remove them now when we're making these changes or we're gonna have to down the track. So it's worth removing that and selling all of that investment now for you. The\n\nChannel 1: Alright.\n\nChannel 0: Van at China new economy hasn't really been performing the way we sort of had hoped. China hasn't really taken off the way it was expected to, and it is slightly underperforming in your portfolio, so removing that for you. With the physical gold, it has done really well. Gold is still a great investment. It has been a little bit of a slump lately, but it is still worth keeping.\n\nYou do have about 8.86% in there at the moment, and we just wanna rebalance it back a little bit to 7%. So make sure that we're, you know, cementing some of the gains you've seen and redistributing that across the portfolio. So we are just gonna sell a little bit of that physical gold and redistribute the funds. With cybersecurity, again, we are just going to rebalance it back a little bit. It's still a good investment.\n\nNothing wrong with it. Has been a little bit of a downtime this year with what's been going on between The US and Iran. Cybersecurity has been a little bit of a hit, but it is still a great place to be invested and will come back. But you're a little bit overexposed at the moment, so you've got a bit more than you need. We wanna hold about 6%, and you currently have about 7.53.\n\nSo just selling off a little bit of that, about one\n\nChannel 1: Alright.\n\nChannel 0: point 53% just to rebalance you back a little bit. With the S and P 500, the next one down,\n\nChannel 1: Yep.\n\nChannel 0: Essentially, your portfolio has about 32.89% there at the moment. We wanna hold about 35%. So we just wanna buy a little bit more of that investment there. I know with the S and p 500 and The US as well, it has been a little bit up and down, but it is still a great place to be. One of the things I like about the s and p 500 is that investment is tracking the top 500 companies in The US.\n\nAnd, essentially, in order to be in the indices for the S and P 500 and to be you know, to meet that, because they have a certain criteria, essentially. So when a company isn't performing or doesn't meet the criteria, they are removed\n\nChannel 1: Yes.\n\nChannel 0: from the indices and therefore not tracked by this investment. So you're always tracking\n\nChannel 1: Alright.\n\nChannel 0: the top 500 companies in The US, which is great. So we're just gonna buy a little bit of this into your portfolio, increase your exposure there a little bit. With the VanEck Australian property, not a bad investment, has done quite well for you over the past few years, but we do see some other areas of growth. So we're just gonna sell that investment off out of your portfolio. And then we've got\n\nChannel 1: Okay.\n\nChannel 0: the Raffy a 2 100 there as well. Again yeah.\n\nChannel 1: Sorry.\n\nChannel 0: You're right.\n\nChannel 1: The VanEgg Australia property. Is it the same company as VanEck China New Economy? Is it a branch?\n\nChannel 0: I'm so sorry, Mariana. I did miss that. Can you repeat that for me?\n\nChannel 1: Yeah. VanEck Australian Property. Is\n\nChannel 0: Yeah.\n\nChannel 1: it the same company as VanEck China New Economy?\n\nChannel 0: Yeah. So VanEck is the investment, but the investment itself is very different. So the VanEck Australian property is VanEck is the the, essentially, the investment firm, a bit like iShares or BetaShares. And this investment option is tracking the Australian property market, whereas the VanEck China new economy is tracking the Chinese market. Does that make sense?\n\nChannel 1: Yep. Alright.\n\nChannel 0: Yeah. Yeah. All good. So, again, we'll get rid of that investment. Just selling all of that off for you, and then the beta shares wrap the a 200.\n\nSo looking at the, essentially, the middle 200 sort of looking at small to medium cap stocks. We're looking at 200 on the Australian market there. Has not been bad in any way, shape, or form, but we are just removing that because what we're doing with the Ben along Australian equities, because that has essentially been removed from your portfolio because that has been underperforming, we're buying into the beta shares a 200, which is the second investment from the bottom. So what we\n\nChannel 1: Alright.\n\nChannel 0: need to do, because we are buying 25% of that, we don't wanna keep you overexposed to Australian equities. So by selling off the Benelon Australian equities and the beta shares RAPI 200, We're then gonna buy into the a 200 there. That's essentially increasing your diversification into the market. We're holding a much cheaper exposure into the Australian shares market as well, and it's also giving you greater diversification and replacing the underperforming investments within there. So it actually works out much into your favor.\n\nWe'll only hold 25% of the of Australian equities in your portfolio. We don't wanna hold anything more than that. We don't wanna overexpose you into the area and essentially make sure you still have diversification there, which is important. One of the things I do like about the a 200 over the Bennelong Australian Equities is Bennelong and that Australian Equities investment generally only held between, say, 15 to 25 different investment options. So by removing that from your portfolio, we're investing in the beta shares a 200, which is actually giving you exposure to the top 200 companies on the ASX.\n\nSo very much like the S and P 500, you're tracking the the top 200 companies on the Australian ASX market, and therefore, it's giving you greater diversification. You're tracking 200 companies instead of 15 to 25, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. We're also then gonna buy into some European exposure. So the iShares Europe is giving you exposure to all 16 European countries and the markets within, and then also Japan. So Japan has seen some really great growth recently, especially with what's happened this year. Japan actually prepared very, very well for its for its systems around the oil and the fuel side of things, unlike our our country, unfortunately.\n\nSo Japan has seen some really good growth there and is a market that doesn't doesn't follow unison. So we did sort of see over the last couple of years with the Australian market, we tend to follow The US. When The US sees a dip, our market tends to take a dip there with it. We have sort of seen instances over the past couple of years where the Japanese market doesn't follow suit, and it moves in the opposite direction to what The US and the Australian market does. So that's a really handy thing to have in your portfolio.\n\nYou don't wanna see all your investments going up and down at the same time. When, say, The US\n\nChannel 1: Mhmm.\n\nChannel 0: and Australia might be down, you wanna have investments that are seeing growth in those times. And, essentially, Europe and and Japan tend to see those sorts of market changes. So that's what we wanna see and how we want your portfolio to work. And so having those sorts of asset classes and exposures in your portfolio is positive. We're also adding in the Vanguard All World x US investments.\n\nThis is looking at exposure across the globe minus The US market, and that's the biggest part about giving you diversification is spreading your risk level across different industries, across different countries, across different asset classes. Because if we can spread the risk as much as possible, that helps to lower the risk of your portfolio. And this Vanguard All World ex US investment is doing just that. It's spreading over all across the globe into already established markets, but also up\n\nChannel 1: Yeah.\n\nChannel 0: and coming markets as well. Okay?\n\nChannel 1: Alright.\n\nChannel 0: Excellent. And because we are removing the bank hybrids from the investment, you still wanna have some low risk defensive investments. So defensive investments in your portfolio there. You are a high growth investor, but you still wanna have around about 10% in those low risk defensive areas. So we're gonna have the core compass of bonds in here for you.\n\nWe're only having about 5% in there. You still wanna make sure most of your funds are in that growth asset allocation. So core composite bonds are looking at government and corporate bonds. Bonds are good as a defensive investment because they pay coupon payments or income payments on a regular basis. Those income payments are paid into the cash account of your super fund and then get redistributed or reinvested back into your portfolio, which helps with the compounding effect moving forward.\n\nSo, essentially, just making these changes here, selling out of some investments that aren't performing as well, buying into some other investments that are lower cost that's providing greater diversification to help lower your risk level and making sure your super is working harder for you. Does that make sense?\n\nChannel 1: Yes. Makes sense. I want it working\n\nChannel 0: Yeah.\n\nChannel 1: as hard as possible.\n\nChannel 0: Yes. Absolutely. And you want your money to work as hard as possible too.\n\nChannel 1: Yeah. Yeah. Especially the way I am, where I'm thinking that, okay. Retirement may not be too far away, so we need\n\nChannel 0: No.\n\nChannel 1: to boost\n\nChannel 0: That's exactly right. Exactly right.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Essentially, to to show you the difference and how this can provide a benefit to you, if you can just scroll down to page 25 for me, you'll see the fee comparison table there.\n\nChannel 1: Age 25.\n\nChannel 0: Yeah. The heading is fee comparison.\n\nChannel 1: Yes. I'm there.\n\nChannel 0: Beautiful. Excellent. So with this table here, the first column has the current. It's got your hub 24 super with your current balance, and then also noting your administration fees, investment fees, the ongoing status fees for having us look after and monitor your super, your contributions going in, and also your insurance premiums there. Now with k making the changes to the investment portfolio, we do estimate your super balance to be about $402,004.63 after we make the switch.\n\nThe difference is 3,340. Now just like you do a tax return every year, your super fund also does a tax return, and your super fund also pays income tax and capital gains tax whenever investments are purchased or sold or whether whenever income is produced within the super fund. So in order to make the switch that we went through above to change the investments, we do estimate that based on the research, your super fund will pay capital gains tax of $3,340. This is all dealt with inside your super fund, so it has no impact on you personally. Okay?\n\nChannel 1: Alright.\n\nChannel 0: Yeah. And, essentially, with retaining hub twenty four, there's no change to the administration fees. However, the investment fees do make a difference. So by changing the investment and moving into the newer portfolio and making the changes we went through above, we can reduce your investment fees for the first year from $1,844 to $811. It's saving you a thousand and $33 for the first year in investment fees.\n\nSo that's making it cheaper, which is really important\n\nChannel 1: Alright.\n\nChannel 0: because that means less on fees means more money stays in your super fund working harder for you. Does that make sense?\n\nChannel 1: Yep. Yes. You do.\n\nChannel 0: Perfect. With the ongoing service fee, there's no real change there. Just a slight change. We have factor in growth in there, so we do expect it to be an extra $40 for the year. That's our ongoing service fee for looking after your super, making the changes, providing you advice, and making sure your super is working harder for you.\n\nYour contributions will continue to go into no change there. But then your insurance premiums, I'm making a recommendation on insurances for you, which reduces the insurance premiums, which is important, saves you about $3,200 on insurance premiums, and I'll go through that shortly with you.\n\nChannel 1: Alright.\n\nChannel 0: Underneath that, you'll see the difference in the returns as well. So the current portfolio you're in, when we look at how that has moved and reacted over the past five years, essentially, it's averaged about 10.47%. However, this newer portfolio that we wanna move you into, a, it's cheaper, b, it's also had a greater past performance. So it's averaged 12.55% there. Essentially, if you look below that, you can see the projection table.\n\nSo by making the switch, going to the newer portfolio, if it's able to get the same return that it has been able to generate over the past five years, over the next five to ten years, you can see where it lands you and that, you know, the newer portfolio shows you could be in a greater position. Does that make sense?\n\nChannel 1: Yes. It does make sense.\n\nChannel 0: Yeah. Beautiful. Do you have any questions so far, Mariana? You're welcome to let me know if you do.\n\nChannel 1: Okay. So the projected okay. This projected balance, the number of years is counting from now.\n\nChannel 0: Yes.\n\nChannel 1: Is that\n\nChannel 0: From\n\nChannel 1: correct?\n\nChannel 0: this year.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Alright.\n\nChannel 0: Correct. Yep. So then it goes to the next five to in five years' time, this is where, know, if you got the same level of return over the next five years, this is where you could end up, or over the next ten if you continue to invest. That's where it could show so long as you were able to get that 12.55%. One of the biggest things to note is that this is how the investments have performed over the past five years as a rolling average return.\n\nHowever, we do know that markets go up and down. So some years, you might get a 10% return. Some years, it might be a, you know, 20% return. Some years, it might be a negative return. So it's sort of looking at an average of how this was projected, and we'll make sure we keep reviewing your investments with you over the longer term and make changes as we need to.\n\nSo one of the important things is that investments that are working in your super now in the next one, two, three, or even next five years, we might need to make some switches and some changes then again just like we have done now. So when you came on board originally, you were recommended a portfolio that was working well. It had done very\n\nChannel 1: Yes.\n\nChannel 0: well, but then some changes needed to occur a little bit down the track, which is what we're doing now. So just making sure we keep reviewing those investments and making changes as we need to so that your super continues to work for you. Does that make sense?\n\nChannel 1: Yes. It does.\n\nChannel 0: Yeah.\n\nChannel 1: It does make\n\nChannel 0: Beautiful.\n\nChannel 1: sense. Yeah.\n\nChannel 0: Do you have do\n\nChannel 1: Yeah.\n\nChannel 0: you have any questions for me, Mariana? You're welcome to ask me anything if you if something pops up.\n\nChannel 1: Yeah. Just just curious. So HUB24, I can see in the with my portfolio how it is performed. How does\n\nChannel 0: Mhmm.\n\nChannel 1: performance of HUB24 compare with the other superannuation funds? I I just thought of it now. I haven't even looked it up. So just curious to know how HUB24 is doing relative to its\n\nChannel 0: Yep.\n\nChannel 1: competitors, if I may say.\n\nChannel 0: Yeah. So, essentially, it's not actually the super fund. Think of hub twenty four as the investment vehicle. It's like think about with your car. You sit in your car, but without any fuel, it doesn't actually go anywhere.\n\nSo the underlying investments or the portfolio that your money is invested in, that's like the fuel for your car. Essentially, the it's not the super fund that gets you the returns. It's the underlying portfolio. So hub twenty four is just where your money goes into and the vehicle that we use to invest your money. But what gets you the returns is the underlying portfolio, the individual investments to which we're investing your funds in, which is what we have at the top there in that switch table.\n\nDoes that make sense?\n\nChannel 1: Yes. It does make sense.\n\nChannel 0: Yes.\n\nChannel 1: I tell you. But you can imagine us when we are shopping around, you know, go on the web and we'll see, you know, which superannuation has been doing, you know, better.\n\nChannel 0: Yeah. And they're all gonna do\n\nChannel 1: Yeah.\n\nChannel 0: very different because they're all invested differently. But even when you're looking around, you're seeing, you know, Australian Super or Host Plus. The Super Fund will be saying our investment portfolios have returned this as a performance. Right? But it's not the fund it's not the Super Fund.\n\nIt's not Host Plus Australian super that's got you the return. It's their underlying investment. It's what they're investing the funds in that are making those returns. So hub twenty four is just the investment vehicle. What gets the returns what gets that 12% return or a 10% return is the underlying investments of where your money is invested in.\n\nBut, yeah, I mean, if you ever find something you wanna have a look at, let me know. Admittedly, Hub 24 isn't the cheapest platform out there, but one of the good things about Hub 24 is that it does give you access to investments. Essentially, we have over 1,170 different investment options that we can invest in, whereas most of the industry funds only have about 20 or 30 different investment options. So having a platform like Hub 24 that has, you know, over 1,100 different investment options does mean that you can be altering portfolios and investing in other areas to keep your super working harder for you. Okay.\n\nChannel 1: Yeah. Alright. Yeah. So so comparing to other diversified portfolios, how how is my portfolio doing generally comparatively?\n\nChannel 0: Yeah. Really, really good competitively. I can go into Hub 24 now and pull up the report for you to show you what it's looking like now. Okay. Sorry.\n\nWon't be a second. I've just gotta log in. I won't be one moment.\n\nChannel 1: Alright.\n\nChannel 0: Okay. Here we go. Okay. I'll just pull up the report for you. Let's have a look.\n\nChannel 1: Yep.\n\nChannel 0: Okay. So in the last twelve months, your portfolio net a fee. So after all the fees have been deducted, you've made 10.67%. As a dollar figure, that's over $4,047,000 dollars in income and growth.\n\nChannel 1: Income and growth.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Yep. So it's done very, very well.\n\nChannel 1: Okay. That's over the past twelve months.\n\nChannel 0: That's over the past twelve months. Yes.\n\nChannel 1: Alright. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Good. Good. Good to hear. And from what you have put on the on on the table on page 25, so it's assumed that it will grow by average 12.55%\n\nChannel 0: The newer\n\nChannel 1: going\n\nChannel 0: portfolio has averaged that over the past five years on a yearly basis. Correct. We're\n\nChannel 1: forward.\n\nChannel 0: not guaranteeing you're definitely gonna get that every single year, but when we look at\n\nChannel 1: Yes.\n\nChannel 0: the research and how the investments have performed, as a whole, yeah, they have shown a greater level of performance. So over the longer term, if under the same market conditions occurred, they could achieve that absolutely.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. Good to\n\nChannel 0: All\n\nChannel 1: hear.\n\nChannel 0: good. Yeah. Now I just need to go through the insurance side of things with you as well because that was the other thing that you wanted to sort of talk about was your insurance premiums are extremely high. If you look at page number 20 for me, this takes you through the changes to the insurances. So as I kinda mentioned, your goal there when we spoke last time was that you wanted to make sure that your you had a level of cover that was working for you, but they were getting very expensive.\n\nAnd because your insurance premiums are paid out of your super fund, it does have an effect on how your super, oh, essentially, your retirement's bigger and how much super you end up with. At the moment, with your insurance cover, you've got some license and TPD. The current sum\n\nChannel 1: Yes.\n\nChannel 0: insured or benefit amount is 2,013,807. Essentially, with your income protection policy, your current monthly benefit that you're insured for is 16,586. You have a four week waiting period and a five year benefit period. So, essentially, what we've looked at here is your goal for life and TBD is to make sure your mortgage is covered in the event that something occurs. You wanted to also replace five two to five years worth of income and make sure that you had that right level of cover.\n\nAnd then with income protection based on your current income amount, you're a little bit over insured there. So just because you're covered for that 15,000 in the event of an income protection claim, You go to claim, the insurer is then gonna ask for your payslips and or tax return to show how much you're earning, and they're only going to pay out the amount you're able to claim, which under the current legislation is 70% of your, pre disability income. So\n\nChannel 1: Alright.\n\nChannel 0: this the other side of that table shows essentially what I'm recommending to make this cheaper for you is that you are a little bit over insured in all areas. So to make sure you still have the right level of cover, but to maybe reduce the cost a little bit, we're recommending here that you do reduce your life and TBD down to the sum insured of 1,220,000. That still gives you the level of cover that you need in the event that something occurs, pays at your mortgage, and actually covers you for five years worth of income replacement. So we're looking at the top end of that. It just sort of juices the cost a little bit for you.\n\nAnd then with the income protection based on your current income amount and covering yourself for 70% of the monthly benefit, we're able to cover you for 11,773 on a monthly basis. We keep the four week waiting period. So if you were on a if you're unable to go to work in the short term, you just have to be off work for four weeks prior to making a claim and keeping the benefit period the same, so five years. And that means that if you're on a claim and you're off work, you, say, injure your back or you hurt yourself and you can't work for five years, the income protection claim can cover you for up to five years. At that five year mark, if you still can't go back to work, the claim will stop at that point.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Essentially, it reduces your insurance premiums from the current of the insurer currently receiving 11,109 and 34¢ down to 7,344 and 59¢. It's important to note that you'd this is how much the insurer received. You actually receive a little bit of a discount for paying this out of your super fund. So you'll see underneath that box, you've got the rebated amount.\n\nSo for this year, for your insurance premiums, the total deducted\n\nChannel 1: Yes.\n\nChannel 0: from your super was 9,442 and 94¢. And if you look to reduce the cover whilst the insurer receives the 7,344 of the deducted amount from your super is $66,242. So you actually get a little bit of a 15% discount for paying out of super, which is nice. I wish we got those kinds of discounts all the time. Make it a little bit nicer on us all.\n\nIt essentially means that you can reduce your cover back a little bit, keeping your cover with what you need, but not paying too much of the premiums there. And it saves you about 3,200 for the first year on your insurance premium. Essentially, if you decide to take on this recommendation, all we do is get you to sign the form to say you're happy to reduce that one. We will put that in\n\nChannel 1: Yes.\n\nChannel 0: place. And because the insurance premiums are paid out of your super on a yearly basis, they'll essentially just refund back the difference between they'll work out essentially what they owe you, and they'll refund that back to your super fund for you. Okay?\n\nChannel 1: Yes. Alright.\n\nChannel 0: Yeah. Do you have any questions about any of that so far or at all?\n\nChannel 1: I think that that that that's straightforward.\n\nChannel 0: Yeah. That's okay. The other thing I do like to sort of show you is the difference, obviously, between not having any insurances. And, look, we don't want you to cancel them in any way, shape, or form, but it is important to note that, as I kinda mentioned before, your insurance premiums are paid out of your super fund. So there is an\n\nChannel 1: Yes.\n\nChannel 0: impact on the overall retirement figure, and your insurance premiums will just continue to get more and more expensive as you get older and as you get closer and closer to your retirement side of things. So if you go down to page number 23 for me, we've actually got under the outcomes a little bit, the projection table, exactly as it is for you that we looked at before, but it also has a\n\nChannel 1: Yes.\n\nChannel 0: third column, which has no insurances. And it just shows you that if you did not pay for insurances out of your super, the impact, the projection over the next five to ten years. And you can see that if you weren't paying insurance premiums, you could end up with more money in your super over the next five to ten years. So there is an impact on the overall amount you're expected to have at retirement because you are paying for those premiums out of super, albeit. It's a juggling act.\n\nIt's about making sure that your super's working for you, but that you also can cover yourself and your family in the event that something happens. Is\n\nChannel 1: Yep. I'm looking at that. So about\n\nChannel 0: that\n\nChannel 1: about about 100 k difference, the recommended\n\nChannel 0: Yeah.\n\nChannel 1: between recommended and no insurance over a ten\n\nChannel 0: Yeah.\n\nChannel 1: year period.\n\nChannel 0: Absolutely. So I'll be it's not a huge difference at the moment, and we'll keep reviewing these with you. So every year of re review time, you and I will chat about the level of cover you have, what your mortgage\n\nChannel 1: Yeah.\n\nChannel 0: looks like, what your income looks like, whether you need that level of cover. Essentially, what you wanna sort of do and the way it realistically should work is that when you're younger, you have the higher level of cover, you have a higher mortgage, and a lower super balance. As your super balance increases, as you pay down your mortgage, we should be able to also decrease your insurance level. So by the time you get to retirement, you shouldn't realistically need that cover anymore. Okay.\n\nChannel 1: Yep. That makes\n\nChannel 0: Yeah.\n\nChannel 1: sense.\n\nChannel 0: Beautiful. That is essentially everything I had to go through. It is a very simple advice document. Just looking at in retaining your super, making the switch of the investments, and also reducing your insurances. Now there are advantages, disadvantages, and risks involved.\n\nI have outlined those for you in that document there. What I probably suggest you do is you go back. Just have a review of the document, read the the different pages. Let me know if there are any different any additional questions there. If you are then happy to, you know, sign and take on board those recommendations, we'll get you to sign the Odoo sign and send it back to me, and my team will implement that for you.\n\nI should also make make it known that with the advantages disadvantages risks involved, with the insurances, by decreasing the cover, it does save you money. You can quite clearly see that there. But it is important to note that at a later time, if you decide you wanna increase the insurances again, we have to reapply. And that could be because you get older, more expensive. If your health changes, it could be exclusions or loadings applied to the policy.\n\nSo it's just a risk that we like to make sure you're aware of, albeit, you know, we sort of hope that you're not needing to increase later. Realistically, we should be able to decrease our insurances as we get older. So we, you know, need less cover and make our super balance grow faster. Okay.\n\nChannel 1: Alright. Yeah. Makes sense.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah. I I also had something separate, you know, to to to ask.\n\nChannel 0: Yeah.\n\nChannel 1: We're preparing for retirement. We're thinking of investing in an investment property in our house. Now we've been hearing, you know, capital gains tax that could change negative, you know, in\n\nChannel 0: Yeah.\n\nChannel 1: in in our gear\n\nChannel 0: Mhmm.\n\nChannel 1: room. Yeah. So so so wanted to hear what, you know, what you think. Should we be rushing to buy the property before these are legislated, these\n\nChannel 0: Mhmm.\n\nChannel 1: changes?\n\nChannel 0: Yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Yeah.\n\nChannel 0: a really good question, Mariano. Very good question. And in all honesty, unfortunately, I would be suggesting right now you hold off. Having an investment property is absolutely a great way to be able to boost for retirement, either keeping the property and, you know, renting it out in retirement for additional income or just keeping it for a couple of years, having it grow and then sell it off to, you know, provide you with a nice big chunk of capital. It is a great way to do so.\n\nHowever, in order to access negative gains now, you would have had to have owned that property prior to the budget night. So I would be suggesting you hold off for now. Let's look at it closer to when we know more. All of that legislation is currently going through parliament and being argued at the moment,\n\nChannel 1: Yes.\n\nChannel 0: and I think we should hold off. I've got a few other clients the same way, and I've suggested we hold off for now. Let's look at how this legislation looks like it's going to work so we understand which way is going to be best for you because negative gearing is a great tax strategy, and I\n\nChannel 1: Yeah.\n\nChannel 0: wouldn't want you to buy a property and then lose out on negative gearing if that's something that's important to you. So I would honestly suggest right now we hold off on buying an investment property. Let's just table it for a few months. We'll check-in any review time and see if there's any changes to the legislation or if there's any guidance on how that's going to go through. And then we can kind of look at you know, when we have a bit more clarity around what the legislation looks like and what the requirements are gonna be, then we can look at\n\nChannel 1: Yeah.\n\nChannel 0: how to help you and provide advice around that area. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Sounds\n\nChannel 0: It's\n\nChannel 1: sounds\n\nChannel 0: a little\n\nChannel 1: sounds\n\nChannel 0: bit hard\n\nChannel 1: good.\n\nChannel 0: to answer that question at the moment. I'm so sorry. We don't know what's gonna happen until that legislation passes, but I I do think holding off for now because if the legislation passes, buying a new build home is going to work out generally better for most people. Whereas if the legislation doesn't pass, then we might be able to look at a preexisting home depending on what you need what you're after. Okay.\n\nChannel 1: Alright. Okay. Same.\n\nChannel 0: Yeah. That's okay. Is there any other questions or anything else that you might have for me at the moment? You're welcome to if anything pops up, let me know as well.\n\nChannel 1: Yeah. So, hypothetically, if I suppose\n\nChannel 0: Yeah.\n\nChannel 1: that I just have say, a 100 to invest over the next few years, where would\n\nChannel 0: Mhmm.\n\nChannel 1: it likely produce the greatest maybe long term, hopefully, after tax return? Could I contribute additional, you know, to my super contributions? Could they\n\nChannel 0: Yeah.\n\nChannel 1: be\n\nChannel 0: Yeah.\n\nChannel 1: buying\n\nChannel 0: Abs\n\nChannel 1: for, actually?\n\nChannel 0: absolutely, could it really just comes down to what's important to your goals? And I think if you've got that kind of money and wanna invest it, let's have another conversation about what your goals are and what you wanna achieve. Because, realistically, there's a couple of different options that you can take. You can start with that money in neutral as a as a deposit towards buying, say, an investment property or paying down, you know, your current mortgage with that money and saving on interest on your mortgage, or you could invest it into your super and have that growing towards your retirement, or we can also look at investments outside of super. All of those have different rates of returns, and all of them can provide a great return in the long you know, the long term over the next couple of years.\n\nWhat it really comes down to is what's gonna provide you with the greatest benefit and what's gonna help you meet your goal. So it's about understanding, is your goal more about supplementing super? Is it about making your super grow to the highest amount and having as much tax free income in retirement as possible? Is buying an investment property one of the most important things to you? Or is it that you wanna have it invested in another way outside of super?\n\nSo it's about what your goal is, what you're wanting to achieve, and how we get you there. And that's one of the advice document is, a financial plan is. It's a road map to help you meet your goals, and we just adjust that road map as we move closer and closer to your goal. Does that make sense?\n\nChannel 1: Yes. It makes sense. Yeah. Ultimately,\n\nChannel 0: Yeah.\n\nChannel 1: the goal is when I retire, I don't want to check. I want to be comfortable financially.\n\nChannel 0: Absolutely. Absolutely. So, look, with that 100 of grand, think about what it is that you wanna see happen with that money. Think about you know, have a look at your mortgage. See what you're paying on your mortgage.\n\nBecause sometimes if you've got, you know, your mortgage and you're wanting to, you know, pay that off faster, putting it on your main primary mortgage is a good option. If you've got a higher interest rate, often paying that down helps you reduce the non tax deductible debt a little bit quicker. If you're just wanting to buy another investment property, we could always, you know, have it enough that account for the time being. You could utilize it towards that, Or adding in the super is not a bad idea as well. There are ways of contributing to super.\n\nIt's just about working out essentially what you're wanting to achieve and how we get you there. Which part of the road map is it important to? Okay.\n\nChannel 1: Alright. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: We'll\n\nChannel 0: A lot\n\nChannel 1: talk\n\nChannel 0: a\n\nChannel 1: about\n\nChannel 0: lot of\n\nChannel 1: that\n\nChannel 0: things\n\nChannel 1: sometime.\n\nChannel 0: to think about.\n\nChannel 1: Yeah.\n\nChannel 0: Absolutely. And, look, if you ever have questions, Mariano, matter what it is, you're welcome to give me a call. I can talk you through things.\n\nChannel 1: Yeah.\n\nChannel 0: Are you with that $100, is it some money that you've got sitting in an account somewhere, or is that money that you're coming into?\n\nChannel 1: It's it's money. I I that we put my wife and I put in an offset account. Again, it's our\n\nChannel 0: Okay.\n\nChannel 1: home loan. Yeah.\n\nChannel 0: Yep. Yep. So in an offset account for the moment is not a bad place to keep it. Essentially, think of your offset account as like an investment account. So the interest that you pay on your mortgage of, say, six or seven or 8% depending on what your interest rate is currently, If you put that $100 into your offset account, you're offsetting that the interest rate on your mortgage.\n\nSo you're essentially getting a guaranteed rate of return. So paying down\n\nChannel 1: Yep.\n\nChannel 0: your mortgage faster is not a bad way of doing it. If you're generally speaking, if you're looking to pay down the investment property over the main primary residence, we sort of suggest paying down the main primary residence first because that's nondeductible debt. You generally wanna pay off bad debt first, which is nontax deductible debt, and then pay off\n\nChannel 1: Yes.\n\nChannel 0: investment debt later on because you get tax deductions for having that debt. But, yeah, look, putting it in your offset account isn't a bad thing. If it's money that you and your wife have in your joint name, it is definitely worth having a chat to her and making sure she's comfortable with it being invested or moved off that because that can affect her as well. Okay?\n\nChannel 1: Yep. Yep. No. We'll definitely we'll definitely talk about this.\n\nChannel 0: And when we do your annual review, I will make sure I ask you more about that $100, and we can talk more about whether we keep it there or whether you move it to something else. Okay?\n\nChannel 1: Alright. Thanks for that, Zaina.\n\nChannel 0: That's okay. Not a problem. That's basically everything I needed to go through. I will let you go back so you can have a bit of a read through it. Take some time, and let me know if there's any questions.\n\nIf you ever have questions, you're not limited to one phone call a year. You can call me anytime you like, or you can let the guys know that you wanna have a chat, and I'll make time to catch up with you. In the meantime, I know your annual review is due a bit later in the year. I'm just gonna double check when that is due for you. It's\n\nChannel 1: It\n\nChannel 0: around\n\nChannel 1: would\n\nChannel 0: about\n\nChannel 1: be\n\nChannel 0: October. Sorry.\n\nChannel 1: yes. I'm looking I'm looking at my notes here. The the the last one, we had it on the October 13 last year.\n\nChannel 0: Yeah. Did you want me to do a catch up with you before October, or are you happy just for the next conversation to be in October? What would you like, Mariano?\n\nChannel 1: I think we can talk in October, as you have mentioned. If it happens\n\nChannel 0: Yeah.\n\nChannel 1: that I need to talk to you before then, I'll make an appointment.\n\nChannel 0: Absolutely. That's not a problem at all. Okay. You got a lot\n\nChannel 1: Yeah.\n\nChannel 0: of work coming up. You'll be very busy for the next few weeks, so, hopefully, you get some downtime and some holidays.\n\nChannel 1: Yeah. We'll plan for that.\n\nChannel 0: Very good. All good. Well, look. I will let you go. I appreciate your time.\n\nI know it's still early there. You're two hours ahead of me, so I hope you have a good afternoon and don't work too hard. And let me know if there's any questions that come out of that document. If you're happy just to make those changes, I'll get you to sign and return it back. If there is any part of the advice you don't do not wish to proceed with, on the very last page, there is a text box, and you can just write in that if there's something you do not wanna proceed with.\n\nOkay?\n\nChannel 1: Alright. No. Thanks, Diana, for your time as well.\n\nChannel 0: Oh, not a problem at all. It's been an absolute pleasure. I've really enjoyed putting the research together. You've also got lots of other fun documents attached, like the financial services guide. I've got PDF documents if you like having a bit of a read of things as well.\n\nSo you're welcome\n\nChannel 1: Yeah.\n\nChannel 0: to run your eyes over any of those if you want to. Okay.\n\nChannel 1: Alright. Thanks,\n\nChannel 0: No worries. You have a lovely evening, Mariano.\n\nChannel 1: Zaina. I can see it.\n\nChannel 0: Thank you. I'll talk to you soon. See you later.\n\nChannel 1: Alright. Bye. Goodbye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Speaking.","start":2.48,"end":2.98,"sentiment":"neutral","sentiment_score":0.0104823037981987},{"text":"Hello?","start":3.1999998,"end":3.6999998,"sentiment":"neutral","sentiment_score":0.009617866948246956},{"text":"Is Mariano here?","start":3.84,"end":5.06,"sentiment":"neutral","sentiment_score":0.014785880222916603}],"sentiment":"neutral","sentiment_score":0.012891562283039093,"channel":1,"num_words":5,"start":2.48,"end":5.06},{"sentences":[{"text":"Hi, Mariana.","start":5.7599998,"end":6.5,"sentiment":"neutral","sentiment_score":0.07340647652745247},{"text":"It's Zaina from Okie Financial.","start":6.64,"end":8.18,"sentiment":"neutral","sentiment_score":0.10103676021099091},{"text":"How are you this afternoon?","start":8.32,"end":9.46,"sentiment":"neutral","sentiment_score":0.13317238986492158}],"sentiment":"neutral","sentiment_score":0.10982155861953895,"channel":0,"num_words":12,"start":5.7599998,"end":9.46},{"sentences":[{"text":"I'm getting to say a say now you said?","start":10.0,"end":12.42,"sentiment":"neutral","sentiment_score":0.03616123563713498}],"sentiment":"neutral","sentiment_score":0.03616123563713498,"channel":1,"num_words":9,"start":10.0,"end":12.42},{"sentences":[{"text":"Yes.","start":13.375,"end":13.695,"sentiment":"neutral","sentiment_score":0.06936968863010406},{"text":"Yes.","start":13.695,"end":14.014999,"sentiment":"neutral","sentiment_score":0.09177856147289276},{"text":"It's Dana from Oakview Financial.","start":14.014999,"end":15.715,"sentiment":"neutral","sentiment_score":0.1122025802731514},{"text":"How's your day been going?","start":15.934999,"end":17.395,"sentiment":"neutral","sentiment_score":0.14472312182188035}],"sentiment":"neutral","sentiment_score":0.1204813967148463,"channel":0,"num_words":12,"start":13.375,"end":17.395},{"sentences":[{"text":"My day is going good.","start":18.085001,"end":19.845001,"sentiment":"positive","sentiment_score":0.4372040629386902},{"text":"How has yours been?","start":19.845001,"end":21.145,"sentiment":"neutral","sentiment_score":0.21647395193576813}],"sentiment":"positive","sentiment_score":0.33910179138183594,"channel":1,"num_words":9,"start":18.085001,"end":21.145},{"sentences":[{"text":"Yeah.","start":21.615,"end":21.935,"sentiment":"neutral","sentiment_score":0.2402162253856659},{"text":"Really good.","start":21.935,"end":22.575,"sentiment":"positive","sentiment_score":0.5498329401016235},{"text":"Thank you.","start":22.575,"end":22.974998,"sentiment":"positive","sentiment_score":0.6169610321521759},{"text":"Thanks for asking.","start":22.974998,"end":23.935,"sentiment":"positive","sentiment_score":0.6140512029329935},{"text":"I had you booked in this afternoon to go through your updated statement of advice.","start":23.935,"end":27.535,"sentiment":"neutral","sentiment_score":0.23511647880077363}],"sentiment":"positive","sentiment_score":0.34533499829147174,"channel":0,"num_words":23,"start":21.615,"end":27.535},{"sentences":[{"text":"Is now still a good time there for","start":27.535,"end":29.33,"sentiment":"neutral","sentiment_score":0.19392129778862}],"sentiment":"neutral","sentiment_score":0.19392129778862,"channel":0,"num_words":8,"start":27.535,"end":29.33},{"sentences":[{"text":"Yes.","start":30.09,"end":30.41,"sentiment":"neutral","sentiment_score":0.12179654836654664}],"sentiment":"neutral","sentiment_score":0.12179654836654664,"channel":1,"num_words":1,"start":30.09,"end":30.41},{"sentences":[{"text":"you?","start":30.35,"end":30.85,"sentiment":"neutral","sentiment_score":0.13573597371578217}],"sentiment":"neutral","sentiment_score":0.13573597371578217,"channel":0,"num_words":1,"start":30.35,"end":30.85},{"sentences":[{"text":"It is.","start":30.41,"end":31.150002,"sentiment":"neutral","sentiment_score":0.3032385855913162}],"sentiment":"neutral","sentiment_score":0.3032385855913162,"channel":1,"num_words":2,"start":30.41,"end":31.150002},{"sentences":[{"text":"Fantastic.","start":31.87,"end":32.370003,"sentiment":"positive","sentiment_score":0.6192004680633545},{"text":"Fantastic.","start":32.75,"end":33.25,"sentiment":"positive","sentiment_score":0.5634024143218994},{"text":"And before we jump into the call there, Mariana, I do need to let you know we do record our calls for quality and training purposes.","start":33.39,"end":39.17,"sentiment":"neutral","sentiment_score":0.14932922675059393},{"text":"Are you happy to proceed with that?","start":39.55,"end":41.65,"sentiment":"neutral","sentiment_score":0.13535196440560476}],"sentiment":"neutral","sentiment_score":0.1717893293925694,"channel":0,"num_words":35,"start":31.87,"end":41.65},{"sentences":[{"text":"Yes.","start":42.17,"end":42.41,"sentiment":"neutral","sentiment_score":0.17767561972141266},{"text":"It","start":42.41,"end":42.91,"sentiment":"neutral","sentiment_score":0.273110955953598}],"sentiment":"neutral","sentiment_score":0.22539328783750534,"channel":1,"num_words":2,"start":42.17,"end":42.91},{"sentences":[{"text":"Fantastic.","start":43.824997,"end":44.324997,"sentiment":"positive","sentiment_score":0.42226672172546387},{"text":"And I just need to do security there with you as well.","start":44.385,"end":46.625,"sentiment":"neutral","sentiment_score":0.1811997890472412},{"text":"If you can just confirm for me your full name, your date of birth, and address I should have on 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there.","start":486.41,"end":488.41,"sentiment":"neutral","sentiment_score":-0.02176122704154945},{"text":"Now this investment is being phased out in the future.","start":488.41,"end":491.11502,"sentiment":"neutral","sentiment_score":-0.07432124651968479},{"text":"So it is best to remove this from your portfolio now.","start":491.11502,"end":494.33502,"sentiment":"neutral","sentiment_score":-0.20889696072448383}],"sentiment":"neutral","sentiment_score":-0.1346582261829491,"channel":0,"num_words":51,"start":478.89,"end":494.33502},{"sentences":[{"text":"Bank hybrids are more of a defensive low risk investment, more cash producing, like, income producing.","start":494.39502,"end":499.935,"sentiment":"neutral","sentiment_score":0.15469717065570876},{"text":"But as they're gonna be phased out in the future, we either remove them now when we're making these changes or we're gonna have to down the 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expected to, and it is slightly underperforming in your portfolio, so removing that for you.","start":517.2,"end":524.665,"sentiment":"negative","sentiment_score":-0.34393198508769274},{"text":"With the physical gold, it has done really well.","start":525.605,"end":528.245,"sentiment":"positive","sentiment_score":0.39732812179459465},{"text":"Gold is still a great investment.","start":528.245,"end":529.685,"sentiment":"positive","sentiment_score":0.39672575891017914},{"text":"It has been a little bit of a slump lately, but it is still worth keeping.","start":529.685,"end":533.0,"sentiment":"neutral","sentiment_score":-0.05599624337628484}],"sentiment":"neutral","sentiment_score":-0.1116938439893051,"channel":0,"num_words":71,"start":512.64,"end":533.0},{"sentences":[{"text":"You do have about 8.86% in there at the moment, and we just wanna rebalance it back a little bit to 7%.","start":533.3,"end":539.7,"sentiment":"neutral","sentiment_score":0.1513137553225864},{"text":"So make sure that we're, you know, cementing some of the gains you've seen and redistributing that across the portfolio.","start":539.7,"end":545.24,"sentiment":"neutral","sentiment_score":0.33328173458576205},{"text":"So we are just gonna sell a little bit of that physical gold and redistribute the funds.","start":545.38,"end":550.765,"sentiment":"neutral","sentiment_score":0.16015800877529032},{"text":"With cybersecurity, again, we are just going to rebalance it back a little bit.","start":551.145,"end":555.625,"sentiment":"neutral","sentiment_score":0.1832891186433179},{"text":"It's still a good investment.","start":555.625,"end":556.825,"sentiment":"positive","sentiment_score":0.585371196269989}],"sentiment":"neutral","sentiment_score":0.23346316795318556,"channel":0,"num_words":78,"start":533.3,"end":556.825},{"sentences":[{"text":"Nothing wrong with it.","start":556.825,"end":557.625,"sentiment":"neutral","sentiment_score":0.32866842299699783},{"text":"Has been a little bit of a downtime this year with what's been going on between The US and Iran.","start":557.625,"end":562.39,"sentiment":"neutral","sentiment_score":-0.21642547734081746},{"text":"Cybersecurity has been a little bit of a hit, but it is still a great place to be invested and will come back.","start":562.85,"end":568.21,"sentiment":"neutral","sentiment_score":0.00990110198440759},{"text":"But you're a little bit overexposed at the moment, so you've got a bit more than you need.","start":568.21,"end":572.355,"sentiment":"neutral","sentiment_score":-0.1671022619638178},{"text":"We wanna hold about 6%, and you currently have about 7.53.","start":572.51495,"end":577.07495,"sentiment":"neutral","sentiment_score":-0.012288809669288721}],"sentiment":"neutral","sentiment_score":-0.07801484382760368,"channel":0,"num_words":76,"start":556.825,"end":577.07495},{"sentences":[{"text":"So just selling off a little bit of that, about one","start":577.07495,"end":579.875,"sentiment":"neutral","sentiment_score":-0.0241206151179292}],"sentiment":"neutral","sentiment_score":-0.0241206151179292,"channel":0,"num_words":11,"start":577.07495,"end":579.875},{"sentences":[{"text":"Alright.","start":579.87,"end":580.37,"sentiment":"neutral","sentiment_score":0.026740480214357376}],"sentiment":"neutral","sentiment_score":0.026740480214357376,"channel":1,"num_words":1,"start":579.87,"end":580.37},{"sentences":[{"text":"point 53% just to rebalance you back a little bit.","start":579.875,"end":583.495,"sentiment":"neutral","sentiment_score":0.07784653939306736},{"text":"With the S and P 500, the next one down,","start":584.51495,"end":588.055,"sentiment":"neutral","sentiment_score":0.07913977764546871}],"sentiment":"neutral","sentiment_score":0.07849315851926804,"channel":0,"num_words":20,"start":579.875,"end":588.055},{"sentences":[{"text":"Yep.","start":588.67,"end":589.17,"sentiment":"neutral","sentiment_score":0.08566727489233017}],"sentiment":"neutral","sentiment_score":0.08566727489233017,"channel":1,"num_words":1,"start":588.67,"end":589.17},{"sentences":[{"text":"Essentially, your portfolio has about 32.89% there at the moment.","start":588.87,"end":592.87,"sentiment":"neutral","sentiment_score":0.0980870358645916},{"text":"We wanna hold about 35%.","start":592.87,"end":594.97003,"sentiment":"neutral","sentiment_score":0.12667202055454255},{"text":"So we just wanna buy a little bit more of that investment there.","start":595.35004,"end":598.73004,"sentiment":"neutral","sentiment_score":0.09919156435017402},{"text":"I know with the S and p 500 and The US as well, it has been a little bit up and down, but it is still a great place to be.","start":599.19,"end":605.775,"sentiment":"neutral","sentiment_score":0.21104020769557646},{"text":"One of the things I like about the s and p 500 is that investment is tracking the top 500 companies in The US.","start":605.775,"end":612.415,"sentiment":"neutral","sentiment_score":0.3115440395971139}],"sentiment":"neutral","sentiment_score":0.2038918576730662,"channel":0,"num_words":83,"start":588.87,"end":612.415},{"sentences":[{"text":"And, essentially, in order to be in the indices for the S and P 500 and to be you know, to meet that, because they have a certain criteria, essentially.","start":612.415,"end":620.4,"sentiment":"neutral","sentiment_score":0.2305591146151225},{"text":"So when a company isn't performing or doesn't meet the criteria, they are removed","start":620.62,"end":624.8,"sentiment":"neutral","sentiment_score":-0.015185512934944459}],"sentiment":"neutral","sentiment_score":0.15236764221282845,"channel":0,"num_words":44,"start":612.415,"end":624.8},{"sentences":[{"text":"Yes.","start":624.765,"end":625.265,"sentiment":"neutral","sentiment_score":-0.017578469589352608}],"sentiment":"neutral","sentiment_score":-0.017578469589352608,"channel":1,"num_words":1,"start":624.765,"end":625.265},{"sentences":[{"text":"from the indices and therefore not tracked by this investment.","start":624.86,"end":627.84,"sentiment":"neutral","sentiment_score":0.002750958874821663},{"text":"So you're always tracking","start":627.9,"end":629.29504,"sentiment":"neutral","sentiment_score":0.09782885946333408}],"sentiment":"neutral","sentiment_score":0.029916073328682354,"channel":0,"num_words":14,"start":624.86,"end":629.29504},{"sentences":[{"text":"Alright.","start":629.245,"end":629.745,"sentiment":"neutral","sentiment_score":0.21829524636268616}],"sentiment":"neutral","sentiment_score":0.21829524636268616,"channel":1,"num_words":1,"start":629.245,"end":629.745},{"sentences":[{"text":"the top 500 companies in The US, which is great.","start":629.29504,"end":632.195,"sentiment":"positive","sentiment_score":0.39559675604104994},{"text":"So we're just gonna buy a little bit of this into your portfolio, increase your exposure there a little bit.","start":632.335,"end":637.875,"sentiment":"positive","sentiment_score":0.3673772804439068},{"text":"With the VanEck Australian property, not a bad investment, has done quite well for you over the past few years, but we do see some other areas of growth.","start":638.575,"end":645.88995,"sentiment":"neutral","sentiment_score":0.25319252394396685},{"text":"So we're just gonna sell that investment off out of your portfolio.","start":645.88995,"end":648.87,"sentiment":"neutral","sentiment_score":-0.0872805103038748},{"text":"And then we've got","start":649.49,"end":650.20996,"sentiment":"neutral","sentiment_score":0.013403450604528189}],"sentiment":"neutral","sentiment_score":0.2353645872324705,"channel":0,"num_words":75,"start":629.29504,"end":650.20996},{"sentences":[{"text":"Okay.","start":650.205,"end":650.705,"sentiment":"neutral","sentiment_score":0.034598760306835175}],"sentiment":"neutral","sentiment_score":0.034598760306835175,"channel":1,"num_words":1,"start":650.205,"end":650.705},{"sentences":[{"text":"the Raffy a 2 100 there as well.","start":650.20996,"end":652.76996,"sentiment":"neutral","sentiment_score":0.029359289910644293},{"text":"Again yeah.","start":652.76996,"end":653.88995,"sentiment":"neutral","sentiment_score":-0.008710138499736786}],"sentiment":"neutral","sentiment_score":0.021745404228568077,"channel":0,"num_words":10,"start":650.20996,"end":653.88995},{"sentences":[{"text":"Sorry.","start":653.725,"end":654.225,"sentiment":"neutral","sentiment_score":-0.05157145485281944}],"sentiment":"neutral","sentiment_score":-0.05157145485281944,"channel":1,"num_words":1,"start":653.725,"end":654.225},{"sentences":[{"text":"You're right.","start":653.88995,"end":654.63,"sentiment":"neutral","sentiment_score":-0.02978245634585619}],"sentiment":"neutral","sentiment_score":-0.02978245634585619,"channel":0,"num_words":2,"start":653.88995,"end":654.63},{"sentences":[{"text":"The VanEgg Australia property.","start":655.405,"end":657.425,"sentiment":"neutral","sentiment_score":-0.016685569658875465},{"text":"Is it the same company as VanEck China New Economy?","start":657.565,"end":661.38995,"sentiment":"neutral","sentiment_score":-0.020837883837521075},{"text":"Is it a branch?","start":661.44995,"end":662.43,"sentiment":"neutral","sentiment_score":-0.016062905080616474}],"sentiment":"neutral","sentiment_score":-0.01885404096295436,"channel":1,"num_words":18,"start":655.405,"end":662.43},{"sentences":[{"text":"I'm so sorry, Mariana.","start":664.225,"end":665.605,"sentiment":"neutral","sentiment_score":-0.09926233068108559},{"text":"I did miss that.","start":665.665,"end":666.305,"sentiment":"neutral","sentiment_score":-0.1252487152814865},{"text":"Can you repeat that for me?","start":666.305,"end":667.83,"sentiment":"neutral","sentiment_score":-0.04835980695982774}],"sentiment":"neutral","sentiment_score":-0.08487164468637534,"channel":0,"num_words":14,"start":664.225,"end":667.83},{"sentences":[{"text":"Yeah.","start":668.49,"end":668.99,"sentiment":"neutral","sentiment_score":-0.007551093120127916},{"text":"VanEck Australian Property.","start":669.29,"end":671.38995,"sentiment":"neutral","sentiment_score":-0.01302254293113947},{"text":"Is","start":671.865,"end":672.025,"sentiment":"neutral","sentiment_score":-0.005941704846918583}],"sentiment":"neutral","sentiment_score":-0.01051208535209298,"channel":1,"num_words":5,"start":668.49,"end":672.025},{"sentences":[{"text":"Yeah.","start":671.91003,"end":672.41003,"sentiment":"neutral","sentiment_score":-0.005548061802983284}],"sentiment":"neutral","sentiment_score":-0.005548061802983284,"channel":0,"num_words":1,"start":671.91003,"end":672.41003},{"sentences":[{"text":"it the same company as VanEck China New Economy?","start":672.025,"end":676.605,"sentiment":"neutral","sentiment_score":-0.011590805008179612}],"sentiment":"neutral","sentiment_score":-0.011590805008179612,"channel":1,"num_words":9,"start":672.025,"end":676.605},{"sentences":[{"text":"Yeah.","start":677.59,"end":677.99,"sentiment":"neutral","sentiment_score":-0.013805784285068512},{"text":"So VanEck is the investment, but the investment itself is very different.","start":677.99,"end":682.945,"sentiment":"neutral","sentiment_score":-0.05928930298735698},{"text":"So the VanEck Australian property is VanEck is the the, essentially, the investment firm, a bit like iShares or BetaShares.","start":682.945,"end":691.28503,"sentiment":"neutral","sentiment_score":-0.019964379165321587},{"text":"And this investment option is tracking the Australian property market, whereas the VanEck China new economy is tracking the Chinese market.","start":692.22504,"end":700.37,"sentiment":"neutral","sentiment_score":0.0036276765167713165},{"text":"Does that make sense?","start":700.37,"end":701.35,"sentiment":"neutral","sentiment_score":0.030215065460652113}],"sentiment":"neutral","sentiment_score":-0.015991785081809963,"channel":0,"num_words":58,"start":677.59,"end":701.35},{"sentences":[{"text":"Yep.","start":702.09503,"end":702.575,"sentiment":"neutral","sentiment_score":0.012089559808373451},{"text":"Alright.","start":702.575,"end":703.075,"sentiment":"neutral","sentiment_score":0.03906841203570366}],"sentiment":"neutral","sentiment_score":0.025578985922038555,"channel":1,"num_words":2,"start":702.09503,"end":703.075},{"sentences":[{"text":"Yeah.","start":703.25,"end":703.75,"sentiment":"neutral","sentiment_score":0.05037368834018707},{"text":"Yeah.","start":703.81,"end":704.31,"sentiment":"neutral","sentiment_score":0.08807463943958282},{"text":"All good.","start":704.44995,"end":705.26996,"sentiment":"neutral","sentiment_score":0.1783680096268654},{"text":"So, again, we'll get rid of that investment.","start":706.05,"end":707.73,"sentiment":"neutral","sentiment_score":-0.16973361000418663},{"text":"Just selling all of that off for you, and then the beta shares wrap the a 200.","start":707.73,"end":712.185,"sentiment":"neutral","sentiment_score":-0.04270541142014896}],"sentiment":"neutral","sentiment_score":-0.0547819492118112,"channel":0,"num_words":29,"start":703.25,"end":712.185},{"sentences":[{"text":"So looking at the, essentially, the middle 200 sort of looking at small to medium cap stocks.","start":712.185,"end":718.765,"sentiment":"neutral","sentiment_score":0.013163422124789041},{"text":"We're looking at 200 on the Australian market there.","start":718.985,"end":721.625,"sentiment":"neutral","sentiment_score":0.026468337203065555},{"text":"Has not been bad in any way, shape, or form, but we are just removing that because what we're doing with the Ben along Australian equities, because that has essentially been removed from your portfolio because that has been underperforming, we're buying into the beta shares a 200, which is the second investment from the bottom.","start":721.625,"end":739.32,"sentiment":"neutral","sentiment_score":-0.061696730620626895},{"text":"So what we","start":739.90497,"end":740.545,"sentiment":"neutral","sentiment_score":0.02733737602829933}],"sentiment":"neutral","sentiment_score":-0.034247195008484756,"channel":0,"num_words":85,"start":712.185,"end":740.545},{"sentences":[{"text":"Alright.","start":740.315,"end":740.815,"sentiment":"neutral","sentiment_score":0.026183906942605972}],"sentiment":"neutral","sentiment_score":0.026183906942605972,"channel":1,"num_words":1,"start":740.315,"end":740.815},{"sentences":[{"text":"need to do, because we are buying 25% of that, we don't wanna keep you overexposed to Australian equities.","start":740.545,"end":747.445,"sentiment":"neutral","sentiment_score":-0.022731077612230654},{"text":"So by selling off the Benelon Australian equities and the beta shares RAPI 200, We're then gonna buy into the a 200 there.","start":747.745,"end":755.51,"sentiment":"neutral","sentiment_score":0.11688431708709053},{"text":"That's essentially increasing your diversification into the market.","start":755.57,"end":758.95,"sentiment":"positive","sentiment_score":0.46767840906977654},{"text":"We're holding a much cheaper exposure into the Australian shares market as well, and it's also giving you greater diversification and replacing the underperforming investments within there.","start":759.32996,"end":769.955,"sentiment":"positive","sentiment_score":0.45331026006627967},{"text":"So it actually works out much into your favor.","start":769.955,"end":772.59503,"sentiment":"positive","sentiment_score":0.6348135670026144}],"sentiment":"neutral","sentiment_score":0.2784950606481627,"channel":0,"num_words":86,"start":740.545,"end":772.59503},{"sentences":[{"text":"We'll only hold 25% of the of Australian equities in your portfolio.","start":772.59503,"end":777.495,"sentiment":"neutral","sentiment_score":0.3287403645614783},{"text":"We don't wanna hold anything more than that.","start":777.555,"end":779.235,"sentiment":"neutral","sentiment_score":0.07210719957947731},{"text":"We don't wanna overexpose you into the area and essentially make sure you still have diversification there, which is important.","start":779.235,"end":785.8,"sentiment":"neutral","sentiment_score":0.20200105626136064},{"text":"One of the things I do like about the a 200 over the Bennelong Australian Equities is Bennelong and that Australian Equities investment generally only held between, say, 15 to 25 different investment options.","start":786.42,"end":797.34503,"sentiment":"neutral","sentiment_score":0.29309016159352136},{"text":"So by removing that from your portfolio, we're investing in the beta shares a 200, which is actually giving you exposure to the top 200 companies on the ASX.","start":797.34503,"end":806.725,"sentiment":"neutral","sentiment_score":0.2809189460400877}],"sentiment":"neutral","sentiment_score":0.2589658060771169,"channel":0,"num_words":103,"start":772.59503,"end":806.725},{"sentences":[{"text":"So very much like the S and P 500, you're tracking the the top 200 companies on the Australian ASX market, and therefore, it's giving you greater diversification.","start":806.785,"end":816.42,"sentiment":"positive","sentiment_score":0.3698057250252792},{"text":"You're tracking 200 companies instead of 15 to 25, if that makes sense.","start":816.88,"end":821.69995,"sentiment":"neutral","sentiment_score":0.2615736940732369}],"sentiment":"positive","sentiment_score":0.33548825179658287,"channel":0,"num_words":41,"start":806.785,"end":821.69995},{"sentences":[{"text":"Yep.","start":822.51,"end":823.01,"sentiment":"neutral","sentiment_score":0.19980190694332123}],"sentiment":"neutral","sentiment_score":0.19980190694332123,"channel":1,"num_words":1,"start":822.51,"end":823.01},{"sentences":[{"text":"Yeah.","start":824.335,"end":824.815,"sentiment":"neutral","sentiment_score":0.21416352689266205},{"text":"We're also then gonna buy into some European exposure.","start":824.815,"end":827.615,"sentiment":"neutral","sentiment_score":0.15965350468953451},{"text":"So the iShares Europe is giving you exposure to all 16 European countries and the markets within, and then also Japan.","start":827.615,"end":835.615,"sentiment":"neutral","sentiment_score":0.2092768716670218},{"text":"So Japan has seen some really great growth recently, especially with what's happened this year.","start":835.615,"end":840.08997,"sentiment":"positive","sentiment_score":0.5495415270328522},{"text":"Japan actually prepared very, very well for its for its systems around the oil and the fuel side of things, unlike our our country, unfortunately.","start":840.14996,"end":847.44995,"sentiment":"positive","sentiment_score":0.46620998591184615}],"sentiment":"positive","sentiment_score":0.36541171728725164,"channel":0,"num_words":71,"start":824.335,"end":847.44995},{"sentences":[{"text":"So Japan has seen some really good growth there and is a market that doesn't doesn't follow unison.","start":848.31,"end":853.715,"sentiment":"positive","sentiment_score":0.41738972812891006},{"text":"So we did sort of see over the last couple of years with the Australian market, we tend to follow The US.","start":853.715,"end":858.835,"sentiment":"neutral","sentiment_score":0.1518083790486509},{"text":"When The US sees a dip, our market tends to take a dip there with it.","start":858.835,"end":862.515,"sentiment":"neutral","sentiment_score":0.008816669345833361},{"text":"We have sort of seen instances over the past couple of years where the Japanese market doesn't follow suit, and it moves in the opposite direction to what The US and the Australian market does.","start":862.515,"end":872.08,"sentiment":"neutral","sentiment_score":0.029433745784418923},{"text":"So that's a really handy thing to have in your portfolio.","start":872.08,"end":874.82,"sentiment":"positive","sentiment_score":0.5132648538459431}],"sentiment":"neutral","sentiment_score":0.173234908330236,"channel":0,"num_words":102,"start":848.31,"end":874.82},{"sentences":[{"text":"You don't wanna see all your investments going up and down at the same time.","start":875.04,"end":878.9,"sentiment":"neutral","sentiment_score":0.0689103732506434},{"text":"When, say, The US","start":879.04,"end":879.92,"sentiment":"neutral","sentiment_score":0.07687837909907103}],"sentiment":"neutral","sentiment_score":0.07058784816610186,"channel":0,"num_words":19,"start":875.04,"end":879.92},{"sentences":[{"text":"Mhmm.","start":879.7,"end":880.2,"sentiment":"neutral","sentiment_score":0.07905902713537216}],"sentiment":"neutral","sentiment_score":0.07905902713537216,"channel":1,"num_words":1,"start":879.7,"end":880.2},{"sentences":[{"text":"and Australia might be down, you wanna have investments that are seeing growth in those times.","start":879.92,"end":884.10004,"sentiment":"neutral","sentiment_score":0.10826999880373478},{"text":"And, essentially, Europe and and Japan tend to see those sorts of market changes.","start":884.27496,"end":888.355,"sentiment":"neutral","sentiment_score":0.16983262289847648},{"text":"So that's what we wanna see and how we want your portfolio to work.","start":888.355,"end":892.455,"sentiment":"positive","sentiment_score":0.3452763983181545},{"text":"And so having those sorts of asset classes and exposures in your portfolio is positive.","start":892.595,"end":897.815,"sentiment":"positive","sentiment_score":0.5004649877548217},{"text":"We're also adding in the Vanguard All World x US investments.","start":898.76,"end":902.7,"sentiment":"neutral","sentiment_score":0.23504874923012473}],"sentiment":"neutral","sentiment_score":0.2719479619392327,"channel":0,"num_words":70,"start":879.92,"end":902.7},{"sentences":[{"text":"This is looking at exposure across the globe minus The US market, and that's the biggest part about giving you diversification is spreading your risk level across different industries, across different countries, across different asset classes.","start":902.76,"end":915.865,"sentiment":"neutral","sentiment_score":0.23155262631674609},{"text":"Because if we can spread the risk as much as possible, that helps to lower the risk of your portfolio.","start":916.165,"end":921.385,"sentiment":"neutral","sentiment_score":0.29766734018921853},{"text":"And this Vanguard All World ex US investment is doing just that.","start":921.765,"end":926.24,"sentiment":"neutral","sentiment_score":0.22557619462410608},{"text":"It's spreading over all across the globe into already established markets, but also up","start":926.24,"end":931.12,"sentiment":"neutral","sentiment_score":0.1432789130402463}],"sentiment":"neutral","sentiment_score":0.23173244474682866,"channel":0,"num_words":82,"start":902.76,"end":931.12},{"sentences":[{"text":"Yeah.","start":931.07,"end":931.57,"sentiment":"neutral","sentiment_score":0.06355123221874237}],"sentiment":"neutral","sentiment_score":0.06355123221874237,"channel":1,"num_words":1,"start":931.07,"end":931.57},{"sentences":[{"text":"and coming markets as well.","start":931.12,"end":932.66003,"sentiment":"neutral","sentiment_score":0.08453868627548218},{"text":"Okay?","start":932.72003,"end":933.22003,"sentiment":"neutral","sentiment_score":0.1124078780412674}],"sentiment":"neutral","sentiment_score":0.08918355156977971,"channel":0,"num_words":6,"start":931.12,"end":933.22003},{"sentences":[{"text":"Alright.","start":934.43,"end":934.93,"sentiment":"neutral","sentiment_score":0.2805967926979065}],"sentiment":"neutral","sentiment_score":0.2805967926979065,"channel":1,"num_words":1,"start":934.43,"end":934.93},{"sentences":[{"text":"Excellent.","start":935.52,"end":936.0,"sentiment":"positive","sentiment_score":0.4522877335548401},{"text":"And because we are removing the bank hybrids from the investment, you still wanna have some low risk defensive investments.","start":936.0,"end":938.88,"sentiment":"neutral","sentiment_score":0.15600053295493127},{"text":"So defensive investments in your portfolio there.","start":938.88,"end":945.035,"sentiment":"neutral","sentiment_score":0.17861128066267287},{"text":"You are a high growth investor, but you still wanna have around about 10% in those low risk defensive areas.","start":945.335,"end":951.035,"sentiment":"neutral","sentiment_score":0.25073392763733865},{"text":"So we're gonna have the core compass of bonds in here for you.","start":951.175,"end":954.375,"sentiment":"neutral","sentiment_score":0.2608878838901336}],"sentiment":"neutral","sentiment_score":0.21686554755099485,"channel":0,"num_words":61,"start":935.52,"end":954.375},{"sentences":[{"text":"We're only having about 5% in there.","start":954.375,"end":956.76996,"sentiment":"neutral","sentiment_score":0.03992589829223497},{"text":"You still wanna make sure most of your funds are in that growth asset allocation.","start":956.76996,"end":960.70996,"sentiment":"neutral","sentiment_score":0.1430835798382759},{"text":"So core composite bonds are looking at government and corporate bonds.","start":961.41,"end":964.93,"sentiment":"neutral","sentiment_score":0.16402860189026053},{"text":"Bonds are good as a defensive investment because they pay coupon payments or income payments on a regular basis.","start":964.93,"end":970.47,"sentiment":"positive","sentiment_score":0.3881283967118514},{"text":"Those income payments are paid into the cash account of your super fund and then get redistributed or reinvested back into your portfolio, which helps with the compounding effect moving forward.","start":971.14496,"end":981.46497,"sentiment":"neutral","sentiment_score":0.3228023124317969}],"sentiment":"neutral","sentiment_score":0.26037784131715097,"channel":0,"num_words":83,"start":954.375,"end":981.46497},{"sentences":[{"text":"So, essentially, just making these changes here, selling out of some investments that aren't performing as well, buying into some other investments that are lower cost that's providing greater diversification to help lower your risk level and making sure your super is working harder for you.","start":981.46497,"end":997.17,"sentiment":"neutral","sentiment_score":0.20303148144613142},{"text":"Does that make sense?","start":997.17,"end":998.39,"sentiment":"neutral","sentiment_score":0.10959332436323166}],"sentiment":"neutral","sentiment_score":0.19555642887949942,"channel":0,"num_words":50,"start":981.46497,"end":998.39},{"sentences":[{"text":"Yes.","start":999.455,"end":999.615,"sentiment":"neutral","sentiment_score":0.16477078199386597},{"text":"Makes sense.","start":999.615,"end":1000.335,"sentiment":"neutral","sentiment_score":0.18201766908168793},{"text":"I want it working","start":1000.335,"end":1001.47504,"sentiment":"neutral","sentiment_score":0.16931944340467453}],"sentiment":"neutral","sentiment_score":0.17229769911084855,"channel":1,"num_words":7,"start":999.455,"end":1001.47504},{"sentences":[{"text":"Yeah.","start":1001.485,"end":1001.985,"sentiment":"neutral","sentiment_score":-0.004580195993185043}],"sentiment":"neutral","sentiment_score":-0.004580195993185043,"channel":0,"num_words":1,"start":1001.485,"end":1001.985},{"sentences":[{"text":"as hard as possible.","start":1001.53503,"end":1002.755,"sentiment":"neutral","sentiment_score":-0.11491765640676022}],"sentiment":"neutral","sentiment_score":-0.11491765640676022,"channel":1,"num_words":4,"start":1001.53503,"end":1002.755},{"sentences":[{"text":"Yes.","start":1004.28503,"end":1004.765,"sentiment":"neutral","sentiment_score":0.1428435742855072},{"text":"Absolutely.","start":1004.765,"end":1005.265,"sentiment":"neutral","sentiment_score":0.20860706269741056},{"text":"And you want your money to work as hard as possible too.","start":1005.485,"end":1008.305,"sentiment":"neutral","sentiment_score":0.08185944519937038}],"sentiment":"neutral","sentiment_score":0.09526885566966874,"channel":0,"num_words":14,"start":1004.28503,"end":1008.305},{"sentences":[{"text":"Yeah.","start":1009.135,"end":1009.455,"sentiment":"neutral","sentiment_score":0.06280309706926346},{"text":"Yeah.","start":1009.455,"end":1009.955,"sentiment":"neutral","sentiment_score":0.047854166477918625},{"text":"Especially the way I am, where I'm thinking that, okay.","start":1010.175,"end":1012.91504,"sentiment":"neutral","sentiment_score":0.013472342619206757},{"text":"Retirement may not be too far away, so we need","start":1013.42,"end":1016.77997,"sentiment":"neutral","sentiment_score":-0.06899850368499756}],"sentiment":"neutral","sentiment_score":-0.020209288505032997,"channel":1,"num_words":22,"start":1009.135,"end":1016.77997},{"sentences":[{"text":"No.","start":1016.7,"end":1017.2,"sentiment":"neutral","sentiment_score":-0.08089661598205566}],"sentiment":"neutral","sentiment_score":-0.08089661598205566,"channel":0,"num_words":1,"start":1016.7,"end":1017.2},{"sentences":[{"text":"to boost","start":1016.77997,"end":1017.36,"sentiment":"neutral","sentiment_score":-0.03371962904930115}],"sentiment":"neutral","sentiment_score":-0.03371962904930115,"channel":1,"num_words":2,"start":1016.77997,"end":1017.36},{"sentences":[{"text":"That's exactly right.","start":1018.30005,"end":1019.84,"sentiment":"neutral","sentiment_score":0.21649795273939768},{"text":"Exactly right.","start":1019.9,"end":1020.96,"sentiment":"neutral","sentiment_score":0.2650894820690155}],"sentiment":"neutral","sentiment_score":0.2359345644712448,"channel":0,"num_words":5,"start":1018.30005,"end":1020.96},{"sentences":[{"text":"yeah.","start":1021.74,"end":1022.06,"sentiment":"neutral","sentiment_score":0.1611921787261963},{"text":"Yeah.","start":1022.06,"end":1022.56,"sentiment":"neutral","sentiment_score":0.15557315945625305}],"sentiment":"neutral","sentiment_score":0.15838266909122467,"channel":1,"num_words":2,"start":1021.74,"end":1022.56},{"sentences":[{"text":"Essentially, to to show you the difference and how this can provide a benefit to you, if you can just scroll down to page 25 for me, you'll see the fee comparison table there.","start":1022.14,"end":1031.525,"sentiment":"neutral","sentiment_score":0.17435361061464338}],"sentiment":"neutral","sentiment_score":0.17435361061464338,"channel":0,"num_words":34,"start":1022.14,"end":1031.525},{"sentences":[{"text":"Age 25.","start":1034.535,"end":1035.835,"sentiment":"neutral","sentiment_score":0.012332579586654902}],"sentiment":"neutral","sentiment_score":0.012332579586654902,"channel":1,"num_words":2,"start":1034.535,"end":1035.835},{"sentences":[{"text":"Yeah.","start":1036.66,"end":1037.14,"sentiment":"neutral","sentiment_score":0.043380241841077805},{"text":"The heading is fee comparison.","start":1037.14,"end":1038.76,"sentiment":"neutral","sentiment_score":0.037108782306313516}],"sentiment":"neutral","sentiment_score":0.03815402556210756,"channel":0,"num_words":6,"start":1036.66,"end":1038.76},{"sentences":[{"text":"Yes.","start":1044.06,"end":1044.56,"sentiment":"neutral","sentiment_score":0.13869507610797882},{"text":"I'm there.","start":1045.26,"end":1046.0,"sentiment":"neutral","sentiment_score":0.19026044011116028}],"sentiment":"neutral","sentiment_score":0.17307198544343314,"channel":1,"num_words":3,"start":1044.06,"end":1046.0},{"sentences":[{"text":"Beautiful.","start":1045.54,"end":1046.04,"sentiment":"positive","sentiment_score":0.6680536270141602},{"text":"Excellent.","start":1046.66,"end":1047.16,"sentiment":"positive","sentiment_score":0.6189673542976379},{"text":"So with this table here, the first column has the current.","start":1047.2201,"end":1050.04,"sentiment":"neutral","sentiment_score":0.18209327486428348},{"text":"It's got your hub 24 super with your current balance, and then also noting your administration fees, investment fees, the ongoing status fees for having us look after and monitor your super, your contributions going in, and also your insurance premiums there.","start":1050.045,"end":1064.625,"sentiment":"neutral","sentiment_score":0.195616787565606},{"text":"Now with k making the changes to the investment portfolio, we do estimate your super balance to be about $402,004.63 after we make the switch.","start":1065.21,"end":1074.83,"sentiment":"neutral","sentiment_score":0.11367930620908737}],"sentiment":"neutral","sentiment_score":0.1793491842225194,"channel":0,"num_words":80,"start":1045.54,"end":1074.83},{"sentences":[{"text":"The difference is 3,340.","start":1075.0499,"end":1077.79,"sentiment":"neutral","sentiment_score":0.09675424732267857},{"text":"Now just like you do a tax return every year, your super fund also does a tax return, and your super fund also pays income tax and capital gains tax whenever investments are purchased or sold or whether whenever income is produced within the super fund.","start":1078.045,"end":1092.42,"sentiment":"neutral","sentiment_score":0.12687041720820832},{"text":"So in order to make the switch that we went through above to change the investments, we do estimate that based on the research, your super fund will pay capital gains tax of $3,340.","start":1092.8201,"end":1104.36,"sentiment":"neutral","sentiment_score":0.20184230782529888},{"text":"This is all dealt with inside your super fund, so it has no impact on you personally.","start":1104.5801,"end":1109.635,"sentiment":"neutral","sentiment_score":0.25701478036010966},{"text":"Okay?","start":1110.015,"end":1110.515,"sentiment":"neutral","sentiment_score":0.14720487594604492}],"sentiment":"neutral","sentiment_score":0.1725701057744742,"channel":0,"num_words":102,"start":1075.0499,"end":1110.515},{"sentences":[{"text":"Alright.","start":1111.525,"end":1112.025,"sentiment":"neutral","sentiment_score":0.19637660682201383}],"sentiment":"neutral","sentiment_score":0.19637660682201383,"channel":1,"num_words":1,"start":1111.525,"end":1112.025},{"sentences":[{"text":"Yeah.","start":1112.735,"end":1113.235,"sentiment":"neutral","sentiment_score":0.22051161527633667},{"text":"And, essentially, with retaining hub twenty four, there's no change to the administration fees.","start":1113.5349,"end":1118.735,"sentiment":"neutral","sentiment_score":0.17355920055082866},{"text":"However, the investment fees do make a difference.","start":1118.735,"end":1121.475,"sentiment":"positive","sentiment_score":0.3574011940509081},{"text":"So by changing the investment and moving into the newer portfolio and making the changes we went through above, we can reduce your investment fees for the first year from $1,844 to $811.","start":1121.91,"end":1134.49,"sentiment":"positive","sentiment_score":0.4925182434645566},{"text":"It's saving you a thousand and $33 for the first year in investment fees.","start":1134.745,"end":1139.325,"sentiment":"positive","sentiment_score":0.6581618104662214}],"sentiment":"positive","sentiment_score":0.4425273908036096,"channel":0,"num_words":70,"start":1112.735,"end":1139.325},{"sentences":[{"text":"So that's making it cheaper, which is really important","start":1139.625,"end":1142.6649,"sentiment":"positive","sentiment_score":0.5774034261703491}],"sentiment":"positive","sentiment_score":0.5774034261703491,"channel":0,"num_words":9,"start":1139.625,"end":1142.6649},{"sentences":[{"text":"Alright.","start":1142.4651,"end":1142.9651,"sentiment":"positive","sentiment_score":0.4370812773704529}],"sentiment":"positive","sentiment_score":0.4370812773704529,"channel":1,"num_words":1,"start":1142.4651,"end":1142.9651},{"sentences":[{"text":"because that means less on fees means more money stays in your super fund working harder for you.","start":1142.6649,"end":1147.705,"sentiment":"positive","sentiment_score":0.40585588415463764},{"text":"Does that make sense?","start":1147.705,"end":1148.845,"sentiment":"neutral","sentiment_score":0.21075604856014252}],"sentiment":"positive","sentiment_score":0.37038318677382037,"channel":0,"num_words":22,"start":1142.6649,"end":1148.845},{"sentences":[{"text":"Yep.","start":1148.49,"end":1148.99,"sentiment":"neutral","sentiment_score":0.2297893613576889},{"text":"Yes.","start":1149.29,"end":1149.61,"sentiment":"positive","sentiment_score":0.3349809944629669},{"text":"You do.","start":1149.61,"end":1150.27,"sentiment":"positive","sentiment_score":0.457436203956604}],"sentiment":"positive","sentiment_score":0.36991069093346596,"channel":1,"num_words":4,"start":1148.49,"end":1150.27},{"sentences":[{"text":"Perfect.","start":1151.48,"end":1151.98,"sentiment":"positive","sentiment_score":0.6424659490585327},{"text":"With the ongoing service fee, there's no real change there.","start":1153.24,"end":1155.96,"sentiment":"neutral","sentiment_score":0.20754912719130517},{"text":"Just a slight change.","start":1155.96,"end":1156.84,"sentiment":"neutral","sentiment_score":0.11604969948530197},{"text":"We have factor in growth in there, so we do expect it to be an extra $40 for the year.","start":1156.84,"end":1161.435,"sentiment":"neutral","sentiment_score":0.24317780546844006},{"text":"That's our ongoing service fee for looking after your super, making the changes, providing you advice, and making sure your super is working harder for you.","start":1161.8351,"end":1169.295,"sentiment":"positive","sentiment_score":0.38712794333696365}],"sentiment":"neutral","sentiment_score":0.29690227303348604,"channel":0,"num_words":61,"start":1151.48,"end":1169.295},{"sentences":[{"text":"Your contributions will continue to go into no change there.","start":1169.755,"end":1173.2151,"sentiment":"neutral","sentiment_score":0.24331113547086716},{"text":"But then your insurance premiums, I'm making a recommendation on insurances for you, which reduces the insurance premiums, which is important, saves you about $3,200 on insurance premiums, and I'll go through that shortly with you.","start":1173.3551,"end":1186.72,"sentiment":"neutral","sentiment_score":0.30496799904439187}],"sentiment":"neutral","sentiment_score":0.29156433305014734,"channel":0,"num_words":46,"start":1169.755,"end":1186.72},{"sentences":[{"text":"Alright.","start":1187.36,"end":1187.86,"sentiment":"neutral","sentiment_score":0.18937574326992035}],"sentiment":"neutral","sentiment_score":0.18937574326992035,"channel":1,"num_words":1,"start":1187.36,"end":1187.86},{"sentences":[{"text":"Underneath that, you'll see the difference in the returns as well.","start":1187.42,"end":1190.38,"sentiment":"neutral","sentiment_score":0.21555501493540677},{"text":"So the current portfolio you're in, when we look at how that has moved and reacted over the past five years, essentially, it's averaged about 10.47%.","start":1190.38,"end":1199.995,"sentiment":"neutral","sentiment_score":0.20778852701187134},{"text":"However, this newer portfolio that we wanna move you into, a, it's cheaper, b, it's also had a greater past performance.","start":1200.215,"end":1206.9401,"sentiment":"positive","sentiment_score":0.35984323634987786},{"text":"So it's averaged 12.55% there.","start":1207.0,"end":1209.9801,"sentiment":"positive","sentiment_score":0.3597767472267151},{"text":"Essentially, if you look below that, you can see the projection table.","start":1210.68,"end":1214.14,"sentiment":"neutral","sentiment_score":0.08362393795202176}],"sentiment":"neutral","sentiment_score":0.241769144286712,"channel":0,"num_words":75,"start":1187.42,"end":1214.14},{"sentences":[{"text":"So by making the switch, going to the newer portfolio, if it's able to get the same return that it has been able to generate over the past five years, over the next five to ten years, you can see where it lands you and that, you know, the newer portfolio shows you could be in a greater position.","start":1214.3601,"end":1230.0751,"sentiment":"positive","sentiment_score":0.5054838920043687},{"text":"Does that make sense?","start":1230.135,"end":1231.17,"sentiment":"neutral","sentiment_score":0.1918955221772194}],"sentiment":"positive","sentiment_score":0.4855735193169306,"channel":0,"num_words":63,"start":1214.3601,"end":1231.17},{"sentences":[{"text":"Yes.","start":1232.0751,"end":1232.475,"sentiment":"neutral","sentiment_score":0.25853729248046875},{"text":"It does make 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projected okay.","start":1240.93,"end":1242.77,"sentiment":"neutral","sentiment_score":0.0926642008125782},{"text":"This projected balance, the number of years is counting from now.","start":1242.77,"end":1247.8301,"sentiment":"neutral","sentiment_score":0.08541827445680444}],"sentiment":"neutral","sentiment_score":0.08775281999260187,"channel":1,"num_words":16,"start":1240.6901,"end":1247.8301},{"sentences":[{"text":"Yes.","start":1248.545,"end":1249.045,"sentiment":"neutral","sentiment_score":0.05434738099575043}],"sentiment":"neutral","sentiment_score":0.05434738099575043,"channel":0,"num_words":1,"start":1248.545,"end":1249.045},{"sentences":[{"text":"Is 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year.","start":1249.3451,"end":1250.0851,"sentiment":"neutral","sentiment_score":0.028831249102950096}],"sentiment":"neutral","sentiment_score":0.028831249102950096,"channel":0,"num_words":2,"start":1249.3451,"end":1250.0851},{"sentences":[{"text":"Yeah.","start":1249.89,"end":1250.39,"sentiment":"neutral","sentiment_score":0.06842118501663208}],"sentiment":"neutral","sentiment_score":0.06842118501663208,"channel":1,"num_words":1,"start":1249.89,"end":1250.39},{"sentences":[{"text":"Yeah.","start":1250.385,"end":1250.8651,"sentiment":"neutral","sentiment_score":0.07648646831512451},{"text":"Yeah.","start":1250.8651,"end":1251.265,"sentiment":"neutral","sentiment_score":0.09395255148410796}],"sentiment":"neutral","sentiment_score":0.08521950989961624,"channel":0,"num_words":2,"start":1250.385,"end":1251.265},{"sentences":[{"text":"Alright.","start":1250.895,"end":1251.395,"sentiment":"neutral","sentiment_score":0.1272585242986679}],"sentiment":"neutral","sentiment_score":0.1272585242986679,"channel":1,"num_words":1,"start":1250.895,"end":1251.395},{"sentences":[{"text":"Correct.","start":1251.265,"end":1251.765,"sentiment":"neutral","sentiment_score":0.15572243928909302},{"text":"Yep.","start":1252.145,"end":1252.645,"sentiment":"neutral","sentiment_score":0.19029375910758972},{"text":"So then it goes to the next five to in five years' time, this is where, know, if you got the same level of return over the next five years, this is where you could end up, or over the next ten if you continue to invest.","start":1253.665,"end":1266.13,"sentiment":"neutral","sentiment_score":0.3221385935519604},{"text":"That's where it could show so long as you were able to get that 12.55%.","start":1266.13,"end":1270.63,"sentiment":"positive","sentiment_score":0.44203213651975},{"text":"One of the biggest things to note is that this is how the investments have performed over the past five years as a rolling average return.","start":1271.2949,"end":1278.195,"sentiment":"neutral","sentiment_score":0.1384372553573205}],"sentiment":"neutral","sentiment_score":0.2857375642491711,"channel":0,"num_words":90,"start":1251.265,"end":1278.195},{"sentences":[{"text":"However, we do know that markets go up and down.","start":1278.4149,"end":1280.735,"sentiment":"neutral","sentiment_score":-0.09298827163875104},{"text":"So some years, you might get a 10% return.","start":1280.735,"end":1282.975,"sentiment":"neutral","sentiment_score":-0.06802228838205338},{"text":"Some years, it might be a, you know, 20% return.","start":1282.975,"end":1285.4601,"sentiment":"neutral","sentiment_score":-0.10029425546526909},{"text":"Some years, it might be a negative return.","start":1285.4601,"end":1287.3201,"sentiment":"neutral","sentiment_score":-0.21883447282016277},{"text":"So it's sort of looking at an average of how this was projected, and we'll make sure we keep reviewing your investments with you over the longer term and make changes as we need to.","start":1287.4601,"end":1296.68,"sentiment":"neutral","sentiment_score":0.001158750695841653}],"sentiment":"neutral","sentiment_score":-0.059099241315076746,"channel":0,"num_words":72,"start":1278.4149,"end":1296.68},{"sentences":[{"text":"So one of the important things is that investments that are working in your super now in the next one, two, three, or even next five years, we might need to make some switches and some changes then again just like we have done now.","start":1296.815,"end":1308.655,"sentiment":"neutral","sentiment_score":0.060769000815020666},{"text":"So when you came on board originally, you were recommended a portfolio that was working well.","start":1308.655,"end":1313.0901,"sentiment":"neutral","sentiment_score":0.1376676163636148},{"text":"It had done very","start":1313.0901,"end":1314.13,"sentiment":"neutral","sentiment_score":0.1737367995083332}],"sentiment":"neutral","sentiment_score":0.08664975533118614,"channel":0,"num_words":65,"start":1296.815,"end":1314.13},{"sentences":[{"text":"Yes.","start":1313.875,"end":1314.375,"sentiment":"neutral","sentiment_score":0.1842905879020691}],"sentiment":"neutral","sentiment_score":0.1842905879020691,"channel":1,"num_words":1,"start":1313.875,"end":1314.375},{"sentences":[{"text":"well, but then some changes needed to occur a little bit down the track, which is what we're doing now.","start":1314.13,"end":1319.01,"sentiment":"neutral","sentiment_score":0.03946375623345375},{"text":"So just making sure we keep reviewing those investments and making changes as we need to so that your super continues to work for you.","start":1319.01,"end":1326.2101,"sentiment":"neutral","sentiment_score":0.23876836359500886},{"text":"Does that make sense?","start":1326.2101,"end":1327.35,"sentiment":"neutral","sentiment_score":0.08655331283807755}],"sentiment":"neutral","sentiment_score":0.1449938258346246,"channel":0,"num_words":49,"start":1314.13,"end":1327.35},{"sentences":[{"text":"Yes.","start":1328.44,"end":1328.92,"sentiment":"neutral","sentiment_score":0.2852509617805481},{"text":"It does.","start":1328.92,"end":1329.5599,"sentiment":"positive","sentiment_score":0.36319485306739807}],"sentiment":"positive","sentiment_score":0.33721355597178143,"channel":1,"num_words":3,"start":1328.44,"end":1329.5599},{"sentences":[{"text":"Yeah.","start":1329.555,"end":1330.055,"sentiment":"positive","sentiment_score":0.3926917314529419}],"sentiment":"positive","sentiment_score":0.3926917314529419,"channel":0,"num_words":1,"start":1329.555,"end":1330.055},{"sentences":[{"text":"It does 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do","start":1331.235,"end":1331.875,"sentiment":"neutral","sentiment_score":0.0539654865860939}],"sentiment":"neutral","sentiment_score":0.0539654865860939,"channel":0,"num_words":4,"start":1331.235,"end":1331.875},{"sentences":[{"text":"Yeah.","start":1331.7999,"end":1332.2999,"sentiment":"neutral","sentiment_score":0.052895016968250275}],"sentiment":"neutral","sentiment_score":0.052895016968250275,"channel":1,"num_words":1,"start":1331.7999,"end":1332.2999},{"sentences":[{"text":"you have any questions for me, Mariana?","start":1331.875,"end":1333.735,"sentiment":"neutral","sentiment_score":0.07040250886763845},{"text":"You're welcome to ask me anything if you if something pops up.","start":1333.795,"end":1336.855,"sentiment":"neutral","sentiment_score":0.24248879278699556}],"sentiment":"neutral","sentiment_score":0.17908858292196927,"channel":0,"num_words":19,"start":1331.875,"end":1336.855},{"sentences":[{"text":"Yeah.","start":1337.4149,"end":1337.9149,"sentiment":"neutral","sentiment_score":0.07306667417287827},{"text":"Just just curious.","start":1338.455,"end":1339.1749,"sentiment":"neutral","sentiment_score":0.061712052673101425},{"text":"So HUB24, I can see in the with my portfolio how it is performed.","start":1339.1749,"end":1343.515,"sentiment":"neutral","sentiment_score":0.035891497773783546},{"text":"How does","start":1344.375,"end":1345.015,"sentiment":"neutral","sentiment_score":0.007402699440717697}],"sentiment":"neutral","sentiment_score":0.03877445999532938,"channel":1,"num_words":20,"start":1337.4149,"end":1345.015},{"sentences":[{"text":"Mhmm.","start":1344.77,"end":1345.27,"sentiment":"neutral","sentiment_score":0.04359711706638336}],"sentiment":"neutral","sentiment_score":0.04359711706638336,"channel":0,"num_words":1,"start":1344.77,"end":1345.27},{"sentences":[{"text":"performance of HUB24 compare with the other superannuation funds?","start":1345.015,"end":1350.215,"sentiment":"neutral","sentiment_score":0.015094050309724279},{"text":"I I just thought of it now.","start":1350.215,"end":1352.34,"sentiment":"neutral","sentiment_score":0.0009529058422361102},{"text":"I haven't even looked it up.","start":1352.34,"end":1354.52,"sentiment":"neutral","sentiment_score":-0.04316002720346054},{"text":"So just curious to know how HUB24 is doing relative to its","start":1354.66,"end":1359.16,"sentiment":"neutral","sentiment_score":0.012158978109558424}],"sentiment":"neutral","sentiment_score":0.000866599052267916,"channel":1,"num_words":34,"start":1345.015,"end":1359.16},{"sentences":[{"text":"Yep.","start":1358.785,"end":1359.285,"sentiment":"neutral","sentiment_score":-0.01451305579394102}],"sentiment":"neutral","sentiment_score":-0.01451305579394102,"channel":0,"num_words":1,"start":1358.785,"end":1359.285},{"sentences":[{"text":"competitors, if I may say.","start":1360.18,"end":1361.8,"sentiment":"neutral","sentiment_score":-0.02592252716422081}],"sentiment":"neutral","sentiment_score":-0.02592252716422081,"channel":1,"num_words":5,"start":1360.18,"end":1361.8},{"sentences":[{"text":"Yeah.","start":1362.305,"end":1362.625,"sentiment":"neutral","sentiment_score":-0.004937637597322464},{"text":"So, essentially, it's not actually the super 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returns.","start":1379.22,"end":1383.0549,"sentiment":"neutral","sentiment_score":-0.012334115259970227},{"text":"It's the underlying portfolio.","start":1383.0549,"end":1384.6749,"sentiment":"neutral","sentiment_score":0.005341369658708572},{"text":"So hub twenty four is just where your money goes into and the vehicle that we use to invest your money.","start":1385.215,"end":1390.515,"sentiment":"neutral","sentiment_score":0.03035660886338779},{"text":"But what gets you the returns is the underlying portfolio, the individual investments to which we're investing your funds in, which is what we have at the top there in that switch table.","start":1390.735,"end":1400.7,"sentiment":"neutral","sentiment_score":0.022535862993787636}],"sentiment":"neutral","sentiment_score":0.011812434066087008,"channel":0,"num_words":90,"start":1373.14,"end":1400.7},{"sentences":[{"text":"Does that make 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around, you know, go on the web and we'll see, you know, which superannuation has been doing, you know, better.","start":1405.3999,"end":1413.4199,"sentiment":"neutral","sentiment_score":0.0105526155695833}],"sentiment":"neutral","sentiment_score":0.01709884114097804,"channel":1,"num_words":32,"start":1404.635,"end":1413.4199},{"sentences":[{"text":"Yeah.","start":1414.155,"end":1414.655,"sentiment":"neutral","sentiment_score":0.001260140910744667},{"text":"And they're all gonna do","start":1415.115,"end":1416.235,"sentiment":"neutral","sentiment_score":-0.0012720371596515179}],"sentiment":"neutral","sentiment_score":-0.0008500074812521538,"channel":0,"num_words":6,"start":1414.155,"end":1416.235},{"sentences":[{"text":"Yeah.","start":1416.2,"end":1416.7,"sentiment":"neutral","sentiment_score":-0.007260063663125038}],"sentiment":"neutral","sentiment_score":-0.007260063663125038,"channel":1,"num_words":1,"start":1416.2,"end":1416.7},{"sentences":[{"text":"very different because they're all invested differently.","start":1416.235,"end":1418.735,"sentiment":"neutral","sentiment_score":-0.018922862729855945},{"text":"But even when you're looking around, you're seeing, you know, Australian Super or Host Plus.","start":1419.47,"end":1423.89,"sentiment":"neutral","sentiment_score":-0.005643687162470694},{"text":"The Super Fund will be saying our investment portfolios have returned this as a performance.","start":1424.27,"end":1429.25,"sentiment":"neutral","sentiment_score":0.02661660114924113},{"text":"Right?","start":1429.39,"end":1429.89,"sentiment":"neutral","sentiment_score":0.017627453431487083},{"text":"But it's not the fund it's not the Super Fund.","start":1430.03,"end":1432.11,"sentiment":"neutral","sentiment_score":-0.06711469255387784}],"sentiment":"neutral","sentiment_score":-0.009820537529473464,"channel":0,"num_words":48,"start":1416.235,"end":1432.11},{"sentences":[{"text":"It's not Host Plus Australian super that's got you the 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you wanna have a look at, let me know.","start":1453.4601,"end":1457.56,"sentiment":"neutral","sentiment_score":0.0656292097022136},{"text":"Admittedly, Hub 24 isn't the cheapest platform out there, but one of the good things about Hub 24 is that it does give you access to investments.","start":1457.62,"end":1465.495,"sentiment":"neutral","sentiment_score":0.3063932130182231},{"text":"Essentially, we have over 1,170 different investment options that we can invest in, whereas most of the industry funds only have about 20 or 30 different investment options.","start":1465.955,"end":1476.115,"sentiment":"neutral","sentiment_score":0.14023369324526616},{"text":"So having a platform like Hub 24 that has, you know, over 1,100 different investment options does mean that you can be altering portfolios and investing in other areas to keep your super working harder for you.","start":1476.115,"end":1490.0801,"sentiment":"neutral","sentiment_score":0.21885960448432612},{"text":"Okay.","start":1490.14,"end":1490.64,"sentiment":"neutral","sentiment_score":0.06400158256292343}],"sentiment":"neutral","sentiment_score":0.19407471068002083,"channel":0,"num_words":111,"start":1453.4601,"end":1490.64},{"sentences":[{"text":"Yeah.","start":1491.53,"end":1492.03,"sentiment":"neutral","sentiment_score":0.06236224249005318},{"text":"Alright.","start":1492.97,"end":1493.47,"sentiment":"neutral","sentiment_score":0.082313671708107},{"text":"Yeah.","start":1493.69,"end":1494.19,"sentiment":"neutral","sentiment_score":0.06177666783332825},{"text":"So so comparing to other diversified portfolios, how how is my portfolio doing generally comparatively?","start":1494.25,"end":1504.11,"sentiment":"neutral","sentiment_score":0.05095325236519178}],"sentiment":"neutral","sentiment_score":0.05393063152829806,"channel":1,"num_words":18,"start":1491.53,"end":1504.11},{"sentences":[{"text":"Yeah.","start":1505.1001,"end":1505.5,"sentiment":"neutral","sentiment_score":0.2023012340068817},{"text":"Really, really good competitively.","start":1505.5,"end":1507.04,"sentiment":"positive","sentiment_score":0.5178068727254868},{"text":"I can go into Hub 24 now and pull up the report for you to show you what it's looking like 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to hear.","start":1599.055,"end":1599.87,"sentiment":"positive","sentiment_score":0.5851040681203207},{"text":"And from what you have put on the on on the table on page 25, so it's assumed that it will grow by average 12.55%","start":1600.27,"end":1612.29,"sentiment":"neutral","sentiment_score":0.24950818300247193}],"sentiment":"neutral","sentiment_score":0.30082220236460366,"channel":1,"num_words":30,"start":1598.3351,"end":1612.29},{"sentences":[{"text":"The newer","start":1613.38,"end":1613.94,"sentiment":"neutral","sentiment_score":0.28355351835489273}],"sentiment":"neutral","sentiment_score":0.28355351835489273,"channel":0,"num_words":2,"start":1613.38,"end":1613.94},{"sentences":[{"text":"going","start":1613.635,"end":1614.135,"sentiment":"positive","sentiment_score":0.34256353974342346}],"sentiment":"positive","sentiment_score":0.34256353974342346,"channel":1,"num_words":1,"start":1613.635,"end":1614.135},{"sentences":[{"text":"portfolio has averaged that over the past five years on a yearly basis.","start":1613.94,"end":1618.125,"sentiment":"neutral","sentiment_score":0.2779088822694925},{"text":"Correct.","start":1618.285,"end":1618.605,"sentiment":"neutral","sentiment_score":0.26139888167381287},{"text":"We're","start":1618.605,"end":1618.845,"sentiment":"neutral","sentiment_score":0.3075932264328003}],"sentiment":"neutral","sentiment_score":0.2787871718406677,"channel":0,"num_words":15,"start":1613.94,"end":1618.845},{"sentences":[{"text":"forward.","start":1618.675,"end":1619.175,"sentiment":"neutral","sentiment_score":0.05861175060272217}],"sentiment":"neutral","sentiment_score":0.05861175060272217,"channel":1,"num_words":1,"start":1618.675,"end":1619.175},{"sentences":[{"text":"not guaranteeing you're definitely gonna get that every single year, but when we look at","start":1618.845,"end":1622.925,"sentiment":"neutral","sentiment_score":-0.011578851938247682}],"sentiment":"neutral","sentiment_score":-0.011578851938247682,"channel":0,"num_words":15,"start":1618.845,"end":1622.925},{"sentences":[{"text":"Yes.","start":1622.835,"end":1623.335,"sentiment":"neutral","sentiment_score":0.27983999252319336}],"sentiment":"neutral","sentiment_score":0.27983999252319336,"channel":1,"num_words":1,"start":1622.835,"end":1623.335},{"sentences":[{"text":"the research and how the investments have performed, as a whole, yeah, they have shown a greater level of performance.","start":1622.925,"end":1629.345,"sentiment":"positive","sentiment_score":0.44996330589056016},{"text":"So over the longer term, if under the same market conditions occurred, they could achieve that absolutely.","start":1629.405,"end":1635.2301,"sentiment":"positive","sentiment_score":0.4082684131229625}],"sentiment":"positive","sentiment_score":0.43080619299733963,"channel":0,"num_words":37,"start":1622.925,"end":1635.2301},{"sentences":[{"text":"Okay.","start":1636.87,"end":1637.37,"sentiment":"neutral","sentiment_score":0.23685041069984436}],"sentiment":"neutral","sentiment_score":0.23685041069984436,"channel":1,"num_words":1,"start":1636.87,"end":1637.37},{"sentences":[{"text":"Yeah.","start":1638.3301,"end":1638.8301,"sentiment":"neutral","sentiment_score":0.24706384539604187}],"sentiment":"neutral","sentiment_score":0.24706384539604187,"channel":0,"num_words":1,"start":1638.3301,"end":1638.8301},{"sentences":[{"text":"Alright.","start":1639.75,"end":1640.25,"sentiment":"positive","sentiment_score":0.35072335600852966},{"text":"Good to","start":1640.725,"end":1641.2949,"sentiment":"positive","sentiment_score":0.6114068925380707}],"sentiment":"positive","sentiment_score":0.524512380361557,"channel":1,"num_words":3,"start":1639.75,"end":1641.2949},{"sentences":[{"text":"All","start":1641.2101,"end":1641.53,"sentiment":"positive","sentiment_score":0.5184167623519897}],"sentiment":"positive","sentiment_score":0.5184167623519897,"channel":0,"num_words":1,"start":1641.2101,"end":1641.53},{"sentences":[{"text":"hear.","start":1641.2949,"end":1641.7949,"sentiment":"positive","sentiment_score":0.5383606553077698}],"sentiment":"positive","sentiment_score":0.5383606553077698,"channel":1,"num_words":1,"start":1641.2949,"end":1641.7949},{"sentences":[{"text":"good.","start":1641.53,"end":1642.03,"sentiment":"positive","sentiment_score":0.5778089761734009},{"text":"Yeah.","start":1642.25,"end":1642.75,"sentiment":"neutral","sentiment_score":0.23855949938297272},{"text":"Now I just need to go through the insurance side of things with you as well because that was the other thing that you wanted to sort of talk about was your insurance premiums are extremely high.","start":1643.13,"end":1651.535,"sentiment":"neutral","sentiment_score":-0.035052803118486665},{"text":"If you look at page number 20 for me, this takes you through the changes to the insurances.","start":1651.6749,"end":1655.9349,"sentiment":"neutral","sentiment_score":-0.0036508823848432964},{"text":"So as I kinda mentioned, your goal there when we spoke last time was that you wanted to make sure that your you had a level of cover that was working for you, but they were getting very expensive.","start":1655.995,"end":1665.9701,"sentiment":"neutral","sentiment_score":0.03438338408103356}],"sentiment":"neutral","sentiment_score":0.008277613087557256,"channel":0,"num_words":96,"start":1641.53,"end":1665.9701},{"sentences":[{"text":"And because your insurance premiums are paid out of your super fund, it does have an effect on how your super, oh, essentially, your retirement's bigger and how much super you end up with.","start":1665.9701,"end":1676.195,"sentiment":"neutral","sentiment_score":-0.045222340425586},{"text":"At the moment, with your insurance cover, you've got some license and TPD.","start":1677.0549,"end":1681.235,"sentiment":"neutral","sentiment_score":0.013602510309563233},{"text":"The current sum","start":1681.695,"end":1682.495,"sentiment":"neutral","sentiment_score":0.035722446317474045}],"sentiment":"neutral","sentiment_score":-0.025071192029863597,"channel":0,"num_words":50,"start":1665.9701,"end":1682.495},{"sentences":[{"text":"Yes.","start":1682.365,"end":1682.865,"sentiment":"neutral","sentiment_score":0.036775924265384674}],"sentiment":"neutral","sentiment_score":0.036775924265384674,"channel":1,"num_words":1,"start":1682.365,"end":1682.865},{"sentences":[{"text":"insured or benefit amount is 2,013,807.","start":1682.495,"end":1687.1549,"sentiment":"neutral","sentiment_score":0.04248191602528095},{"text":"Essentially, with your income protection policy, your current monthly benefit that you're insured for is 16,586.","start":1688.7101,"end":1696.4901,"sentiment":"neutral","sentiment_score":0.045652257394976914},{"text":"You have a four week waiting period and a five year benefit period.","start":1696.63,"end":1700.0901,"sentiment":"neutral","sentiment_score":0.043843165040016174},{"text":"So, essentially, what we've looked at here is your goal for life and TBD is to make sure your mortgage is covered in the event that something occurs.","start":1700.585,"end":1707.965,"sentiment":"neutral","sentiment_score":0.1494275355445487},{"text":"You wanted to also replace five two to five years worth of income and make sure that you had that right level of cover.","start":1708.425,"end":1715.8,"sentiment":"neutral","sentiment_score":0.10324829444289207}],"sentiment":"neutral","sentiment_score":0.09445079105595748,"channel":0,"num_words":87,"start":1682.495,"end":1715.8},{"sentences":[{"text":"And then with income protection based on your current income amount, you're a little bit over insured there.","start":1716.3401,"end":1721.6201,"sentiment":"neutral","sentiment_score":0.057071552301446594},{"text":"So just because you're covered for that 15,000 in the event of an income protection claim, You go to claim, the insurer is then gonna ask for your payslips and or tax return to show how much you're earning, and they're only going to pay out the amount you're able to claim, which under the current legislation is 70% of your, pre disability income.","start":1721.6201,"end":1743.2001,"sentiment":"neutral","sentiment_score":0.06022224173648283},{"text":"So","start":1743.66,"end":1744.16,"sentiment":"neutral","sentiment_score":0.02296781912446022}],"sentiment":"neutral","sentiment_score":0.0590901112251253,"channel":0,"num_words":83,"start":1716.3401,"end":1744.16},{"sentences":[{"text":"Alright.","start":1744.3999,"end":1744.8999,"sentiment":"neutral","sentiment_score":0.011956354603171349}],"sentiment":"neutral","sentiment_score":0.011956354603171349,"channel":1,"num_words":1,"start":1744.3999,"end":1744.8999},{"sentences":[{"text":"this the other side of that table shows essentially what I'm recommending to make this cheaper for you is that you are a little bit over insured in all areas.","start":1744.4601,"end":1752.9601,"sentiment":"neutral","sentiment_score":0.07511530891060829},{"text":"So to make sure you still have the right level of cover, but to maybe reduce the cost a little bit, we're recommending here that you do reduce your life and TBD down to the sum insured of 1,220,000.","start":1753.02,"end":1765.4249,"sentiment":"positive","sentiment_score":0.3343845915335875},{"text":"That still gives you the level of cover that you need in the event that something occurs, pays at your mortgage, and actually covers you for five years worth of income replacement.","start":1765.9,"end":1773.92,"sentiment":"positive","sentiment_score":0.5383014436811209},{"text":"So we're looking at the top end of that.","start":1773.98,"end":1775.84,"sentiment":"positive","sentiment_score":0.47774242692523533},{"text":"It just sort of juices the cost a little bit for you.","start":1776.78,"end":1779.435,"sentiment":"positive","sentiment_score":0.568821648756663}],"sentiment":"positive","sentiment_score":0.3577511980518943,"channel":0,"num_words":122,"start":1744.4601,"end":1779.435},{"sentences":[{"text":"And then with the income protection based on your current income amount and covering yourself for 70% of the monthly benefit, we're able to cover you for 11,773 on a monthly basis.","start":1779.515,"end":1792.175,"sentiment":"positive","sentiment_score":0.34868314303457737},{"text":"We keep the four week waiting period.","start":1792.5,"end":1794.5,"sentiment":"neutral","sentiment_score":0.2383363800389426},{"text":"So if you were on a if you're unable to go to work in the short term, you just have to be off work for four weeks prior to making a claim and keeping the benefit period the same, so five years.","start":1794.5,"end":1805.78,"sentiment":"neutral","sentiment_score":0.02261339296542463},{"text":"And that means that if you're on a claim and you're off work, you, say, injure your back or you hurt yourself and you can't work for five years, the income protection claim can cover you for up to five years.","start":1805.78,"end":1816.815,"sentiment":"neutral","sentiment_score":-0.10135591647973875},{"text":"At that five year mark, if you still can't go back to work, the claim will stop at that point.","start":1817.195,"end":1822.815,"sentiment":"neutral","sentiment_score":-0.08393810540437699}],"sentiment":"neutral","sentiment_score":0.05592692294485972,"channel":0,"num_words":142,"start":1779.515,"end":1822.815},{"sentences":[{"text":"Okay?","start":1823.19,"end":1823.69,"sentiment":"neutral","sentiment_score":0.08470358699560165}],"sentiment":"neutral","sentiment_score":0.08470358699560165,"channel":0,"num_words":1,"start":1823.19,"end":1823.69},{"sentences":[{"text":"Yep.","start":1824.58,"end":1825.08,"sentiment":"neutral","sentiment_score":0.18236319720745087}],"sentiment":"neutral","sentiment_score":0.18236319720745087,"channel":1,"num_words":1,"start":1824.58,"end":1825.08},{"sentences":[{"text":"Yeah.","start":1825.9099,"end":1826.4099,"sentiment":"neutral","sentiment_score":0.2819667458534241},{"text":"Essentially, it reduces your insurance premiums from the current of the insurer currently receiving 11,109 and 34¢ down to 7,344 and 59¢.","start":1826.71,"end":1840.915,"sentiment":"positive","sentiment_score":0.3694559298455715},{"text":"It's important to note that you'd this is how much the insurer received.","start":1841.295,"end":1845.555,"sentiment":"neutral","sentiment_score":0.11451843495552357},{"text":"You actually receive a little bit of a discount for paying this out of your super fund.","start":1845.6951,"end":1849.86,"sentiment":"positive","sentiment_score":0.351632717777701},{"text":"So you'll see underneath that box, you've got the rebated amount.","start":1850.1,"end":1853.24,"sentiment":"neutral","sentiment_score":0.2105503718961369}],"sentiment":"neutral","sentiment_score":0.28151024661717877,"channel":0,"num_words":64,"start":1825.9099,"end":1853.24},{"sentences":[{"text":"So for this year, for your insurance premiums, the total deducted","start":1853.54,"end":1857.2999,"sentiment":"neutral","sentiment_score":0.1585747247392481}],"sentiment":"neutral","sentiment_score":0.1585747247392481,"channel":0,"num_words":11,"start":1853.54,"end":1857.2999},{"sentences":[{"text":"Yes.","start":1856.9299,"end":1857.4299,"sentiment":"neutral","sentiment_score":0.06516039371490479}],"sentiment":"neutral","sentiment_score":0.06516039371490479,"channel":1,"num_words":1,"start":1856.9299,"end":1857.4299},{"sentences":[{"text":"from your super was 9,442 and 94¢.","start":1857.2999,"end":1861.48,"sentiment":"neutral","sentiment_score":0.13037232930461565},{"text":"And if you look to reduce the cover whilst the insurer receives the 7,344 of the deducted amount from your super is $66,242.","start":1861.62,"end":1873.215,"sentiment":"neutral","sentiment_score":0.13956157830746277},{"text":"So you actually get a little bit of a 15% discount for paying out of super, which is nice.","start":1873.215,"end":1878.38,"sentiment":"positive","sentiment_score":0.5790145601096907},{"text":"I wish we got those kinds of discounts all the time.","start":1878.38,"end":1880.8,"sentiment":"positive","sentiment_score":0.608091879974712},{"text":"Make it a little bit nicer on us all.","start":1880.94,"end":1883.2,"sentiment":"positive","sentiment_score":0.6421855158276029}],"sentiment":"positive","sentiment_score":0.40385451825226054,"channel":0,"num_words":69,"start":1857.2999,"end":1883.2},{"sentences":[{"text":"It essentially means that you can reduce your cover back a little bit, keeping your cover with what you need, but not paying too much of the premiums there.","start":1884.86,"end":1892.985,"sentiment":"positive","sentiment_score":0.475407880955729},{"text":"And it saves you about 3,200 for the first year on your insurance premium.","start":1892.985,"end":1897.325,"sentiment":"positive","sentiment_score":0.6098803664956775},{"text":"Essentially, if you decide to take on this recommendation, all we do is get you to sign the form to say you're happy to reduce that one.","start":1898.505,"end":1904.73,"sentiment":"positive","sentiment_score":0.45065309052114133},{"text":"We will put that in","start":1904.8099,"end":1905.69,"sentiment":"neutral","sentiment_score":0.2758797824382782}],"sentiment":"positive","sentiment_score":0.4782958137989044,"channel":0,"num_words":75,"start":1884.86,"end":1905.69},{"sentences":[{"text":"Yes.","start":1905.65,"end":1906.15,"sentiment":"neutral","sentiment_score":0.2206012457609177}],"sentiment":"neutral","sentiment_score":0.2206012457609177,"channel":1,"num_words":1,"start":1905.65,"end":1906.15},{"sentences":[{"text":"place.","start":1905.69,"end":1906.09,"sentiment":"neutral","sentiment_score":0.2497054934501648},{"text":"And because the insurance premiums are paid out of your super on a yearly basis, they'll essentially just refund back the difference between they'll work out essentially what they owe you, and they'll refund that back to your super fund for you.","start":1906.09,"end":1920.045,"sentiment":"neutral","sentiment_score":0.24432126610052018},{"text":"Okay?","start":1920.045,"end":1920.545,"sentiment":"neutral","sentiment_score":0.11468718945980072}],"sentiment":"neutral","sentiment_score":0.2414974058893594,"channel":0,"num_words":44,"start":1905.69,"end":1920.545},{"sentences":[{"text":"Yes.","start":1921.4249,"end":1921.505,"sentiment":"neutral","sentiment_score":0.1110655814409256},{"text":"Alright.","start":1921.505,"end":1922.005,"sentiment":"neutral","sentiment_score":0.14255903661251068}],"sentiment":"neutral","sentiment_score":0.12681230902671814,"channel":1,"num_words":2,"start":1921.4249,"end":1922.005},{"sentences":[{"text":"Yeah.","start":1923.0851,"end":1923.5851,"sentiment":"neutral","sentiment_score":0.12030671536922456},{"text":"Do you have any questions about any of that so far or at all?","start":1924.4451,"end":1928.0651,"sentiment":"neutral","sentiment_score":0.09201669107590403}],"sentiment":"neutral","sentiment_score":0.09390269269545873,"channel":0,"num_words":15,"start":1923.0851,"end":1928.0651},{"sentences":[{"text":"I think that that that that's straightforward.","start":1929.04,"end":1930.9,"sentiment":"neutral","sentiment_score":0.24156229623726436}],"sentiment":"neutral","sentiment_score":0.24156229623726436,"channel":1,"num_words":7,"start":1929.04,"end":1930.9},{"sentences":[{"text":"Yeah.","start":1932.125,"end":1932.6051,"sentiment":"neutral","sentiment_score":0.1652037501335144},{"text":"That's okay.","start":1932.6051,"end":1933.425,"sentiment":"neutral","sentiment_score":0.2029905691742897},{"text":"The other thing I do like to sort of show you is the difference, obviously, between not having any insurances.","start":1934.04,"end":1939.42,"sentiment":"neutral","sentiment_score":0.025493108481168748},{"text":"And, look, we don't want you to cancel them in any way, shape, or form, but it is important to note that, as I kinda mentioned before, your insurance premiums are paid out of your super fund.","start":1939.4801,"end":1948.125,"sentiment":"neutral","sentiment_score":-0.04876759124768747},{"text":"So there is an","start":1948.445,"end":1949.245,"sentiment":"neutral","sentiment_score":-0.11801369301974773}],"sentiment":"neutral","sentiment_score":-0.018678259220905602,"channel":0,"num_words":64,"start":1932.125,"end":1949.245},{"sentences":[{"text":"Yes.","start":1949.135,"end":1949.635,"sentiment":"neutral","sentiment_score":-0.13857156038284302}],"sentiment":"neutral","sentiment_score":-0.13857156038284302,"channel":1,"num_words":1,"start":1949.135,"end":1949.635},{"sentences":[{"text":"impact on the overall retirement figure, and your insurance premiums will just continue to get more and more expensive as you get older and as you get closer and closer to your retirement side of things.","start":1949.245,"end":1959.425,"sentiment":"neutral","sentiment_score":-0.23447570556567776},{"text":"So if you go down to page number 23 for me, we've actually got under the outcomes a little bit, the projection table, exactly as it is for you that we looked at before, but it also has a","start":1960.045,"end":1971.22,"sentiment":"neutral","sentiment_score":0.037053016563638665}],"sentiment":"neutral","sentiment_score":-0.09328077005843322,"channel":0,"num_words":75,"start":1949.245,"end":1971.22},{"sentences":[{"text":"Yes.","start":1971.135,"end":1971.635,"sentiment":"neutral","sentiment_score":0.030432021245360374}],"sentiment":"neutral","sentiment_score":0.030432021245360374,"channel":1,"num_words":1,"start":1971.135,"end":1971.635},{"sentences":[{"text":"third column, which has no insurances.","start":1971.22,"end":1973.3201,"sentiment":"neutral","sentiment_score":0.030963938489245873},{"text":"And it just shows you that if you did not pay for insurances out of your super, the impact, the projection over the next five to ten years.","start":1973.62,"end":1982.655,"sentiment":"neutral","sentiment_score":0.0317136489902623},{"text":"And you can see that if you weren't paying insurance premiums, you could end up with more money in your super over the next five to ten years.","start":1982.875,"end":1989.355,"sentiment":"neutral","sentiment_score":0.20388805653367723},{"text":"So there is an impact on the overall amount you're expected to have at retirement because you are paying for those premiums out of super, albeit.","start":1989.355,"end":1998.36,"sentiment":"neutral","sentiment_score":-0.04930202576976556},{"text":"It's a juggling act.","start":1998.58,"end":1999.5399,"sentiment":"neutral","sentiment_score":0.05714426003396511}],"sentiment":"neutral","sentiment_score":0.06227560604051889,"channel":0,"num_words":92,"start":1971.22,"end":1999.5399},{"sentences":[{"text":"It's about making sure that your super's working for you, but that you also can cover yourself and your family in the event that something happens.","start":1999.5399,"end":2007.1599,"sentiment":"neutral","sentiment_score":0.24355375193632567},{"text":"Is","start":2007.465,"end":2007.965,"sentiment":"neutral","sentiment_score":0.049647290259599686}],"sentiment":"neutral","sentiment_score":0.23637203113348396,"channel":0,"num_words":27,"start":1999.5399,"end":2007.965},{"sentences":[{"text":"Yep.","start":2008.16,"end":2008.56,"sentiment":"neutral","sentiment_score":0.062097735702991486},{"text":"I'm looking at that.","start":2008.56,"end":2009.52,"sentiment":"neutral","sentiment_score":0.03257836168631911},{"text":"So about","start":2009.52,"end":2010.26,"sentiment":"neutral","sentiment_score":0.01995625626295805}],"sentiment":"neutral","sentiment_score":0.03318909928202629,"channel":1,"num_words":7,"start":2008.16,"end":2010.26},{"sentences":[{"text":"that","start":2010.105,"end":2010.1849,"sentiment":"neutral","sentiment_score":0.024149499833583832}],"sentiment":"neutral","sentiment_score":0.024149499833583832,"channel":0,"num_words":1,"start":2010.105,"end":2010.1849},{"sentences":[{"text":"about about 100 k difference, the recommended","start":2010.3201,"end":2013.76,"sentiment":"neutral","sentiment_score":0.02612663938530854}],"sentiment":"neutral","sentiment_score":0.02612663938530854,"channel":1,"num_words":7,"start":2010.3201,"end":2013.76},{"sentences":[{"text":"Yeah.","start":2013.7849,"end":2014.2849,"sentiment":"neutral","sentiment_score":0.004879051353782415}],"sentiment":"neutral","sentiment_score":0.004879051353782415,"channel":0,"num_words":1,"start":2013.7849,"end":2014.2849},{"sentences":[{"text":"between recommended and no insurance over a 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you.","start":2019.145,"end":2024.09,"sentiment":"neutral","sentiment_score":0.14298316857053173},{"text":"So every year of re review time, you and I will chat about the level of cover you have, what your mortgage","start":2024.09,"end":2029.77,"sentiment":"neutral","sentiment_score":0.04876642140813849}],"sentiment":"neutral","sentiment_score":0.0955701373608374,"channel":0,"num_words":41,"start":2018.1849,"end":2029.77},{"sentences":[{"text":"Yeah.","start":2029.485,"end":2029.985,"sentiment":"neutral","sentiment_score":0.033544570207595825}],"sentiment":"neutral","sentiment_score":0.033544570207595825,"channel":1,"num_words":1,"start":2029.485,"end":2029.985},{"sentences":[{"text":"looks like, what your income looks like, whether you need that level of cover.","start":2029.77,"end":2033.47,"sentiment":"neutral","sentiment_score":0.00945143321795123},{"text":"Essentially, what you wanna sort of do and the way it realistically should work is that when you're younger, you have the higher level of cover, you have a higher mortgage, and a lower super balance.","start":2034.01,"end":2043.825,"sentiment":"neutral","sentiment_score":0.0537644030733241},{"text":"As your super balance increases, as you pay down your mortgage, we should be able to also decrease your insurance level.","start":2043.825,"end":2050.9448,"sentiment":"neutral","sentiment_score":-0.032599850602093194},{"text":"So by the time you get to retirement, you shouldn't realistically need that cover anymore.","start":2050.9448,"end":2056.3699,"sentiment":"neutral","sentiment_score":-0.1399511123696963},{"text":"Okay.","start":2056.75,"end":2057.25,"sentiment":"neutral","sentiment_score":0.05339440703392029}],"sentiment":"neutral","sentiment_score":-0.007616443281201111,"channel":0,"num_words":87,"start":2029.77,"end":2057.25},{"sentences":[{"text":"Yep.","start":2057.315,"end":2057.815,"sentiment":"neutral","sentiment_score":0.06332980841398239},{"text":"That 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a very simple advice document.","start":2063.47,"end":2065.47,"sentiment":"neutral","sentiment_score":0.2776285878249577},{"text":"Just looking at in retaining your super, making the switch of the investments, and also reducing your insurances.","start":2065.47,"end":2072.095,"sentiment":"neutral","sentiment_score":0.23899123693505922},{"text":"Now there are advantages, disadvantages, and risks involved.","start":2072.795,"end":2076.335,"sentiment":"neutral","sentiment_score":-0.08923898544162512}],"sentiment":"neutral","sentiment_score":0.19450589702572935,"channel":0,"num_words":43,"start":2059.8699,"end":2076.335},{"sentences":[{"text":"I have outlined those for you in that document there.","start":2077.435,"end":2081.215,"sentiment":"neutral","sentiment_score":0.06060182303190231},{"text":"What I probably suggest you do is you go back.","start":2081.33,"end":2083.57,"sentiment":"neutral","sentiment_score":0.06982893720269204},{"text":"Just have a review of the document, read the the different pages.","start":2083.57,"end":2087.17,"sentiment":"neutral","sentiment_score":0.13560998315612474},{"text":"Let me know if there are any different any additional questions there.","start":2087.17,"end":2090.63,"sentiment":"neutral","sentiment_score":0.19136575112740198},{"text":"If you are then happy to, you know, sign and take on board those recommendations, we'll get you to sign the Odoo sign and send it back to me, and my team will implement that for you.","start":2091.01,"end":2101.335,"sentiment":"positive","sentiment_score":0.37705467017115774}],"sentiment":"neutral","sentiment_score":0.23677826185285308,"channel":0,"num_words":81,"start":2077.435,"end":2101.335},{"sentences":[{"text":"I should also make make it known that with the advantages disadvantages risks involved, with the insurances, by decreasing the cover, it does save you money.","start":2101.7952,"end":2112.21,"sentiment":"neutral","sentiment_score":0.28881965348353755},{"text":"You can quite clearly see that there.","start":2112.21,"end":2114.3098,"sentiment":"neutral","sentiment_score":0.25945407152175903},{"text":"But it is important to note that at a later time, if you decide you wanna increase the insurances again, we have to reapply.","start":2114.69,"end":2121.75,"sentiment":"neutral","sentiment_score":-0.19196565728634596},{"text":"And that could be because you get older, more expensive.","start":2122.545,"end":2125.925,"sentiment":"negative","sentiment_score":-0.3444939821958542},{"text":"If your health changes, it could be exclusions or loadings applied to the policy.","start":2126.305,"end":2130.405,"sentiment":"neutral","sentiment_score":-0.2688662824886186}],"sentiment":"neutral","sentiment_score":-0.030750050128977975,"channel":0,"num_words":81,"start":2101.7952,"end":2130.405},{"sentences":[{"text":"So it's just a risk that we like to make sure you're aware of, albeit, you know, we sort of hope that you're not needing to increase 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ask.","start":2153.285,"end":2157.945,"sentiment":"neutral","sentiment_score":-0.0047025099241485195}],"sentiment":"neutral","sentiment_score":-0.0028846837723484407,"channel":1,"num_words":13,"start":2151.7651,"end":2157.945},{"sentences":[{"text":"Yeah.","start":2158.9548,"end":2159.4548,"sentiment":"neutral","sentiment_score":-0.00443401001393795}],"sentiment":"neutral","sentiment_score":-0.00443401001393795,"channel":0,"num_words":1,"start":2158.9548,"end":2159.4548},{"sentences":[{"text":"We're preparing for retirement.","start":2159.525,"end":2160.905,"sentiment":"neutral","sentiment_score":-0.002070104703307152},{"text":"We're thinking of investing in an investment property in our house.","start":2161.045,"end":2165.74,"sentiment":"neutral","sentiment_score":0.014526821418919346},{"text":"Now we've been hearing, you know, capital gains tax that could change negative, you know, 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these","start":2178.3152,"end":2183.915,"sentiment":"neutral","sentiment_score":-0.06279899810369198}],"sentiment":"neutral","sentiment_score":-0.037523053034588146,"channel":1,"num_words":27,"start":2172.78,"end":2183.915},{"sentences":[{"text":"Mhmm.","start":2183.835,"end":2183.915,"sentiment":"neutral","sentiment_score":-0.02891893871128559}],"sentiment":"neutral","sentiment_score":-0.02891893871128559,"channel":0,"num_words":1,"start":2183.835,"end":2183.915},{"sentences":[{"text":"changes?","start":2183.915,"end":2184.415,"sentiment":"neutral","sentiment_score":-0.029025603085756305}],"sentiment":"neutral","sentiment_score":-0.029025603085756305,"channel":1,"num_words":1,"start":2183.915,"end":2184.415},{"sentences":[{"text":"Yeah.","start":2183.915,"end":2184.2349,"sentiment":"neutral","sentiment_score":-0.018549073487520214},{"text":"No.","start":2184.2349,"end":2184.7349,"sentiment":"neutral","sentiment_score":-0.10336723923683168}],"sentiment":"neutral","sentiment_score":-0.06095815636217595,"channel":0,"num_words":2,"start":2183.915,"end":2184.7349},{"sentences":[{"text":"Yeah.","start":2184.955,"end":2185.455,"sentiment":"neutral","sentiment_score":-0.04272061958909035}],"sentiment":"neutral","sentiment_score":-0.04272061958909035,"channel":1,"num_words":1,"start":2184.955,"end":2185.455},{"sentences":[{"text":"It's","start":2185.3298,"end":2185.5698,"sentiment":"neutral","sentiment_score":-0.023844819515943527}],"sentiment":"neutral","sentiment_score":-0.023844819515943527,"channel":0,"num_words":1,"start":2185.3298,"end":2185.5698},{"sentences":[{"text":"Yeah.","start":2185.5151,"end":2186.0151,"sentiment":"neutral","sentiment_score":-0.012884925119578838}],"sentiment":"neutral","sentiment_score":-0.012884925119578838,"channel":1,"num_words":1,"start":2185.5151,"end":2186.0151},{"sentences":[{"text":"a really good question, Mariano.","start":2185.5698,"end":2187.3499,"sentiment":"neutral","sentiment_score":0.082250040397048},{"text":"Very good question.","start":2187.41,"end":2188.21,"sentiment":"neutral","sentiment_score":0.12894504765669504},{"text":"And in all honesty, unfortunately, I would be suggesting right now you hold off.","start":2188.21,"end":2192.39,"sentiment":"neutral","sentiment_score":-0.3319597638079098},{"text":"Having an investment property is absolutely a great way to be able to boost for retirement, either keeping the property and, you know, renting it out in retirement for additional income or just keeping it for a couple of years, having it grow and then sell it off to, you know, provide you with a nice big chunk of capital.","start":2193.01,"end":2210.105,"sentiment":"neutral","sentiment_score":0.10159719400107861},{"text":"It is a great way to do 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moment,","start":2230.315,"end":2235.215,"sentiment":"neutral","sentiment_score":-0.006804558758934339}],"sentiment":"neutral","sentiment_score":-0.21166932409661904,"channel":0,"num_words":57,"start":2212.81,"end":2235.215},{"sentences":[{"text":"Yes.","start":2236.165,"end":2236.665,"sentiment":"neutral","sentiment_score":0.03605441749095917}],"sentiment":"neutral","sentiment_score":0.03605441749095917,"channel":1,"num_words":1,"start":2236.165,"end":2236.665},{"sentences":[{"text":"and I think we should hold off.","start":2236.795,"end":2238.315,"sentiment":"neutral","sentiment_score":-0.19890571172748292},{"text":"I've got a few other clients the same way, and I've suggested we hold off for now.","start":2238.315,"end":2242.3,"sentiment":"neutral","sentiment_score":-0.08990077367600273},{"text":"Let's look at how this legislation looks like it's going to work so we understand which way is going to be best for you because negative gearing is a great tax strategy, and 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months.","start":2265.39,"end":2267.39,"sentiment":"neutral","sentiment_score":0.07541526574641466},{"text":"We'll check-in any review time and see if there's any changes to the legislation or if there's any guidance on how that's going to go through.","start":2267.39,"end":2274.5298,"sentiment":"neutral","sentiment_score":0.08082383813766333},{"text":"And then we can kind of look at you know, when we have a bit more clarity around what the legislation looks like and what the requirements are gonna be, then we can look 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question at the moment.","start":2291.325,"end":2293.005,"sentiment":"negative","sentiment_score":-0.3542840225355966},{"text":"I'm so sorry.","start":2293.005,"end":2293.805,"sentiment":"neutral","sentiment_score":-0.30537377794583637},{"text":"We don't know what's gonna happen until that legislation passes, but I I do think holding off for now because if the legislation passes, buying a new build home is going to work out generally better for most people.","start":2293.805,"end":2307.0598,"sentiment":"neutral","sentiment_score":-0.1891970538940185},{"text":"Whereas if the legislation doesn't pass, then we might be able to look at a preexisting home depending on what you need what you're after.","start":2307.805,"end":2314.385,"sentiment":"neutral","sentiment_score":-0.0732270523905754},{"text":"Okay.","start":2314.685,"end":2315.185,"sentiment":"neutral","sentiment_score":0.07372704148292542}],"sentiment":"neutral","sentiment_score":-0.1670899181564649,"channel":0,"num_words":75,"start":2291.325,"end":2315.185},{"sentences":[{"text":"Alright.","start":2315.4502,"end":2315.9502,"sentiment":"neutral","sentiment_score":0.1188618540763855},{"text":"Okay.","start":2316.7302,"end":2317.1301,"sentiment":"neutral","sentiment_score":0.12935200333595276},{"text":"Same.","start":2317.1301,"end":2317.6301,"sentiment":"neutral","sentiment_score":0.17746403813362122}],"sentiment":"neutral","sentiment_score":0.14189263184865317,"channel":1,"num_words":3,"start":2315.4502,"end":2317.6301},{"sentences":[{"text":"Yeah.","start":2318.5251,"end":2318.7651,"sentiment":"neutral","sentiment_score":0.24009989202022552},{"text":"That's okay.","start":2318.7651,"end":2319.325,"sentiment":"neutral","sentiment_score":0.3043849468231201},{"text":"Is there any other questions or anything else that you might have for me at the moment?","start":2319.325,"end":2322.63,"sentiment":"neutral","sentiment_score":0.1903470912400414},{"text":"You're welcome to if anything pops up, let me know as well.","start":2322.63,"end":2325.69,"sentiment":"neutral","sentiment_score":0.2870061198870341}],"sentiment":"neutral","sentiment_score":0.23527636798098683,"channel":0,"num_words":32,"start":2318.5251,"end":2325.69},{"sentences":[{"text":"Yeah.","start":2327.075,"end":2327.575,"sentiment":"neutral","sentiment_score":0.11966873705387115},{"text":"So, hypothetically, if I 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actually?","start":2349.125,"end":2349.945,"sentiment":"neutral","sentiment_score":0.09334681555628777}],"sentiment":"neutral","sentiment_score":0.09334681555628777,"channel":1,"num_words":2,"start":2349.125,"end":2349.945},{"sentences":[{"text":"absolutely, could it really just comes down to what's important to your goals?","start":2350.41,"end":2354.17,"sentiment":"positive","sentiment_score":0.33342626232367295},{"text":"And I think if you've got that kind of money and wanna invest it, let's have another conversation about what your goals are and what you wanna achieve.","start":2354.17,"end":2360.785,"sentiment":"positive","sentiment_score":0.37782916905624525},{"text":"Because, realistically, there's a couple of different options that you can take.","start":2360.785,"end":2364.385,"sentiment":"positive","sentiment_score":0.3577457231779893},{"text":"You can start with that money in neutral as a as a deposit towards buying, say, an investment property or paying down, you know, your current mortgage with that money and saving on interest on your mortgage, or you could invest it into your super and have that growing towards your retirement, or we can also look at investments outside of super.","start":2364.385,"end":2383.98,"sentiment":"neutral","sentiment_score":0.22562386275779817},{"text":"All of those have different rates of returns, and all of them can provide a great return in the long you know, the long term over the next couple of years.","start":2384.52,"end":2393.485,"sentiment":"positive","sentiment_score":0.5334165961511673}],"sentiment":"positive","sentiment_score":0.3406253479012888,"channel":0,"num_words":146,"start":2350.41,"end":2393.485},{"sentences":[{"text":"What it really comes down to is what's gonna provide you with the greatest benefit and what's gonna help you meet your goal.","start":2393.625,"end":2399.965,"sentiment":"positive","sentiment_score":0.621281763781672},{"text":"So it's about understanding, is your goal more about supplementing super?","start":2400.32,"end":2404.66,"sentiment":"neutral","sentiment_score":0.30179252001372253},{"text":"Is it about making your super grow to the highest amount and having as much tax free income in retirement as possible?","start":2404.8,"end":2411.94,"sentiment":"positive","sentiment_score":0.4963036938147111},{"text":"Is buying an investment property one of the most important things to you?","start":2412.4949,"end":2416.515,"sentiment":"neutral","sentiment_score":0.204072909286389},{"text":"Or is it that you wanna have it invested in another way outside of super?","start":2417.1348,"end":2421.2349,"sentiment":"neutral","sentiment_score":0.12716149141391117}],"sentiment":"positive","sentiment_score":0.393907735035533,"channel":0,"num_words":84,"start":2393.625,"end":2421.2349},{"sentences":[{"text":"So it's about what your goal is, what you're wanting to achieve, and how we get you 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financially.","start":2446.92,"end":2448.8599,"sentiment":"neutral","sentiment_score":0.09673072894414265}],"sentiment":"neutral","sentiment_score":0.01924283101278193,"channel":1,"num_words":17,"start":2444.1199,"end":2448.8599},{"sentences":[{"text":"Absolutely.","start":2449.975,"end":2450.475,"sentiment":"positive","sentiment_score":0.4774580001831054},{"text":"Absolutely.","start":2450.935,"end":2451.435,"sentiment":"positive","sentiment_score":0.4787732660770416},{"text":"So, look, with that 100 of grand, think about what it is that you wanna see happen with that money.","start":2451.815,"end":2456.7952,"sentiment":"positive","sentiment_score":0.39148018658161166},{"text":"Think about you know, have a look at your mortgage.","start":2457.36,"end":2459.12,"sentiment":"neutral","sentiment_score":0.07318547517061233},{"text":"See what you're paying on your mortgage.","start":2459.12,"end":2460.6401,"sentiment":"neutral","sentiment_score":-0.039345437926905494}],"sentiment":"neutral","sentiment_score":0.23698132523359397,"channel":0,"num_words":39,"start":2449.975,"end":2460.6401},{"sentences":[{"text":"Because sometimes if you've got, you know, your mortgage and you're wanting to, you know, pay that off faster, putting it on your main primary mortgage is a good option.","start":2460.6401,"end":2470.0,"sentiment":"positive","sentiment_score":0.3754106173912684},{"text":"If you've got a higher interest rate, often paying that down helps you reduce the non tax deductible debt a little bit quicker.","start":2470.0,"end":2477.2852,"sentiment":"positive","sentiment_score":0.5086154536060665},{"text":"If you're just wanting to buy another investment property, we could always, you know, have it enough that account for the time being.","start":2477.8252,"end":2483.3452,"sentiment":"positive","sentiment_score":0.38950026294459467},{"text":"You could utilize it towards that, Or adding in the super is not a bad idea as well.","start":2483.3452,"end":2489.17,"sentiment":"positive","sentiment_score":0.5173488126860725},{"text":"There are ways of contributing to super.","start":2489.17,"end":2491.67,"sentiment":"positive","sentiment_score":0.7271292890821185}],"sentiment":"positive","sentiment_score":0.4586253827161128,"channel":0,"num_words":101,"start":2460.6401,"end":2491.67},{"sentences":[{"text":"It's just about working out essentially what you're wanting to achieve and how we get you there.","start":2491.8098,"end":2498.23,"sentiment":"positive","sentiment_score":0.6891583169207853},{"text":"Which part of the road map is it important 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wife and I put in an offset account.","start":2528.71,"end":2532.89,"sentiment":"neutral","sentiment_score":0.017236269611333097},{"text":"Again, it's our","start":2532.95,"end":2533.93,"sentiment":"neutral","sentiment_score":0.02729451283812523}],"sentiment":"neutral","sentiment_score":0.01600346739141969,"channel":1,"num_words":20,"start":2527.5898,"end":2533.93},{"sentences":[{"text":"Okay.","start":2533.715,"end":2534.215,"sentiment":"neutral","sentiment_score":0.013808226212859154}],"sentiment":"neutral","sentiment_score":0.013808226212859154,"channel":0,"num_words":1,"start":2533.715,"end":2534.215},{"sentences":[{"text":"home 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she's comfortable with it being invested or moved off that because that can affect her as well.","start":2594.205,"end":2606.6501,"sentiment":"positive","sentiment_score":0.43237616547516416},{"text":"Okay?","start":2606.7102,"end":2607.2102,"sentiment":"neutral","sentiment_score":0.1353440284729004}],"sentiment":"positive","sentiment_score":0.37742861630260083,"channel":0,"num_words":69,"start":2586.045,"end":2607.2102},{"sentences":[{"text":"Yep.","start":2607.3652,"end":2607.8652,"sentiment":"neutral","sentiment_score":0.12423345446586607},{"text":"Yep.","start":2608.165,"end":2608.645,"sentiment":"neutral","sentiment_score":0.1207057535648346},{"text":"No.","start":2608.645,"end":2608.885,"sentiment":"neutral","sentiment_score":0.0421098992228508},{"text":"We'll definitely we'll definitely talk about 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Zaina.","start":2623.71,"end":2625.01,"sentiment":"positive","sentiment_score":0.6983426660299301}],"sentiment":"positive","sentiment_score":0.6272390127182007,"channel":1,"num_words":5,"start":2623.0698,"end":2625.01},{"sentences":[{"text":"That's okay.","start":2625.2202,"end":2626.04,"sentiment":"positive","sentiment_score":0.4282359629869461},{"text":"Not a problem.","start":2626.1,"end":2627.0,"sentiment":"positive","sentiment_score":0.38186909755071},{"text":"That's basically everything I needed to go through.","start":2627.4602,"end":2629.4602,"sentiment":"neutral","sentiment_score":0.27266118861734867},{"text":"I will let you go back so you can have a bit of a read through it.","start":2629.4602,"end":2632.1,"sentiment":"neutral","sentiment_score":0.27968846086193533},{"text":"Take some time, and let me know if there's any questions.","start":2632.1,"end":2634.36,"sentiment":"neutral","sentiment_score":0.2563909197395498}],"sentiment":"neutral","sentiment_score":0.2867895775451893,"channel":0,"num_words":41,"start":2625.2202,"end":2634.36},{"sentences":[{"text":"If you ever have questions, you're not limited to one phone call a year.","start":2634.9001,"end":2638.1802,"sentiment":"neutral","sentiment_score":0.1716484267796789},{"text":"You can call me anytime you like, or you can let the guys know that you wanna have a chat, and I'll make time to catch up with you.","start":2638.1802,"end":2644.815,"sentiment":"neutral","sentiment_score":0.22150282510395708},{"text":"In the meantime, I know your annual review is due a bit later in the year.","start":2644.815,"end":2649.695,"sentiment":"neutral","sentiment_score":0.10146004054695368},{"text":"I'm just gonna double check when that is due for you.","start":2649.695,"end":2653.5,"sentiment":"neutral","sentiment_score":0.1076307472857562},{"text":"It's","start":2655.0798,"end":2655.4,"sentiment":"neutral","sentiment_score":0.004400701727718115}],"sentiment":"neutral","sentiment_score":0.16392055596552893,"channel":0,"num_words":71,"start":2634.9001,"end":2655.4},{"sentences":[{"text":"It","start":2655.3052,"end":2655.465,"sentiment":"neutral","sentiment_score":-0.0037414617836475377}],"sentiment":"neutral","sentiment_score":-0.0037414617836475377,"channel":1,"num_words":1,"start":2655.3052,"end":2655.465},{"sentences":[{"text":"around","start":2655.4,"end":2655.64,"sentiment":"neutral","sentiment_score":0.012460064142942429}],"sentiment":"neutral","sentiment_score":0.012460064142942429,"channel":0,"num_words":1,"start":2655.4,"end":2655.64},{"sentences":[{"text":"would","start":2655.465,"end":2655.865,"sentiment":"neutral","sentiment_score":-0.007872525602579117}],"sentiment":"neutral","sentiment_score":-0.007872525602579117,"channel":1,"num_words":1,"start":2655.465,"end":2655.865},{"sentences":[{"text":"about","start":2655.64,"end":2656.14,"sentiment":"neutral","sentiment_score":-0.01208370178937912}],"sentiment":"neutral","sentiment_score":-0.01208370178937912,"channel":0,"num_words":1,"start":2655.64,"end":2656.14},{"sentences":[{"text":"be","start":2655.865,"end":2656.365,"sentiment":"neutral","sentiment_score":-0.0122046060860157}],"sentiment":"neutral","sentiment_score":-0.0122046060860157,"channel":1,"num_words":1,"start":2655.865,"end":2656.365},{"sentences":[{"text":"October.","start":2656.2,"end":2656.7,"sentiment":"neutral","sentiment_score":-0.008566102012991905},{"text":"Sorry.","start":2657.5598,"end":2658.0598,"sentiment":"neutral","sentiment_score":-0.029778171330690384}],"sentiment":"neutral","sentiment_score":-0.019172136671841145,"channel":0,"num_words":2,"start":2656.2,"end":2658.0598},{"sentences":[{"text":"yes.","start":2657.865,"end":2658.185,"sentiment":"neutral","sentiment_score":0.008399203419685364},{"text":"I'm looking I'm looking at my notes here.","start":2658.185,"end":2660.5051,"sentiment":"neutral","sentiment_score":-0.003066803910769522},{"text":"The the the last one, we had it on the October 13 last year.","start":2660.5051,"end":2665.3252,"sentiment":"neutral","sentiment_score":0.013205634829189097}],"sentiment":"neutral","sentiment_score":0.007336680858355501,"channel":1,"num_words":23,"start":2657.865,"end":2665.3252},{"sentences":[{"text":"Yeah.","start":2665.735,"end":2666.235,"sentiment":"neutral","sentiment_score":0.07307681441307068},{"text":"Did you want me to do a catch up with you before October, or are you happy just for the next conversation to be in October?","start":2666.2952,"end":2672.695,"sentiment":"neutral","sentiment_score":0.10687040795500462},{"text":"What would you like, Mariano?","start":2672.695,"end":2673.995,"sentiment":"neutral","sentiment_score":0.05463314652442932}],"sentiment":"neutral","sentiment_score":0.09765228605829179,"channel":0,"num_words":32,"start":2665.735,"end":2673.995},{"sentences":[{"text":"I think we can talk in October, as you have mentioned.","start":2674.98,"end":2677.6199,"sentiment":"neutral","sentiment_score":0.12083214724605734},{"text":"If it happens","start":2677.6199,"end":2678.74,"sentiment":"neutral","sentiment_score":0.06002431362867355}],"sentiment":"neutral","sentiment_score":0.10780189718518939,"channel":1,"num_words":14,"start":2674.98,"end":2678.74},{"sentences":[{"text":"Yeah.","start":2678.55,"end":2679.05,"sentiment":"neutral","sentiment_score":0.07161476463079453}],"sentiment":"neutral","sentiment_score":0.07161476463079453,"channel":0,"num_words":1,"start":2678.55,"end":2679.05},{"sentences":[{"text":"that I need to talk to you before then, I'll make an appointment.","start":2678.74,"end":2682.3599,"sentiment":"neutral","sentiment_score":0.09513264951797631}],"sentiment":"neutral","sentiment_score":0.09513264951797631,"channel":1,"num_words":13,"start":2678.74,"end":2682.3599},{"sentences":[{"text":"Absolutely.","start":2683.43,"end":2683.93,"sentiment":"positive","sentiment_score":0.3992109298706054},{"text":"That's not a problem at all.","start":2684.79,"end":2686.63,"sentiment":"positive","sentiment_score":0.46736853818098706},{"text":"Okay.","start":2686.63,"end":2687.13,"sentiment":"neutral","sentiment_score":0.14004677534103394},{"text":"You got a lot","start":2687.7249,"end":2688.365,"sentiment":"neutral","sentiment_score":0.0891065513715148}],"sentiment":"neutral","sentiment_score":0.3083245949819684,"channel":0,"num_words":12,"start":2683.43,"end":2688.365},{"sentences":[{"text":"Yeah.","start":2688.355,"end":2688.855,"sentiment":"neutral","sentiment_score":0.03248601406812668}],"sentiment":"neutral","sentiment_score":0.03248601406812668,"channel":1,"num_words":1,"start":2688.355,"end":2688.855},{"sentences":[{"text":"of work coming up.","start":2688.365,"end":2689.085,"sentiment":"neutral","sentiment_score":-0.027357877872418612},{"text":"You'll be very busy for the next few weeks, so, hopefully, you get some downtime and some holidays.","start":2689.085,"end":2693.585,"sentiment":"neutral","sentiment_score":-0.10773560135728782}],"sentiment":"neutral","sentiment_score":-0.09312146981458434,"channel":0,"num_words":22,"start":2688.365,"end":2693.585},{"sentences":[{"text":"Yeah.","start":2695.955,"end":2696.115,"sentiment":"neutral","sentiment_score":0.12997059524059296},{"text":"We'll plan for that.","start":2696.115,"end":2697.36,"sentiment":"positive","sentiment_score":0.3338722512125969}],"sentiment":"neutral","sentiment_score":0.2930919200181961,"channel":1,"num_words":5,"start":2695.955,"end":2697.36},{"sentences":[{"text":"Very good.","start":2699.565,"end":2700.2048,"sentiment":"positive","sentiment_score":0.7987883388996124},{"text":"All good.","start":2700.2048,"end":2700.605,"sentiment":"positive","sentiment_score":0.6704798638820648},{"text":"Well, look.","start":2700.605,"end":2701.005,"sentiment":"positive","sentiment_score":0.35017792880535126},{"text":"I will let you go.","start":2701.005,"end":2701.885,"sentiment":"positive","sentiment_score":0.39394593238830566},{"text":"I appreciate your time.","start":2701.885,"end":2703.345,"sentiment":"positive","sentiment_score":0.6797591745853424}],"sentiment":"positive","sentiment_score":0.555177241563797,"channel":0,"num_words":15,"start":2699.565,"end":2703.345},{"sentences":[{"text":"I know it's still early there.","start":2703.54,"end":2705.32,"sentiment":"neutral","sentiment_score":0.11585300664107005},{"text":"You're two hours ahead of me, so I hope you have a good afternoon and don't work too hard.","start":2705.62,"end":2710.98,"sentiment":"neutral","sentiment_score":0.24126509341754412},{"text":"And let me know if there's any questions that come out of that document.","start":2710.98,"end":2713.72,"sentiment":"neutral","sentiment_score":0.17725775710174016},{"text":"If you're happy just to make those changes, I'll get you to sign and return it back.","start":2714.02,"end":2717.775,"sentiment":"neutral","sentiment_score":0.2657328028889263},{"text":"If there is any part of the advice you don't do not wish to proceed with, on the very last page, there is a text box, and you can just write in that if there's something you do not wanna proceed with.","start":2718.095,"end":2728.815,"sentiment":"neutral","sentiment_score":-0.13857980640161605}],"sentiment":"neutral","sentiment_score":0.0658966244331428,"channel":0,"num_words":98,"start":2703.54,"end":2728.815},{"sentences":[{"text":"Okay?","start":2728.815,"end":2729.315,"sentiment":"neutral","sentiment_score":-0.013323305174708366}],"sentiment":"neutral","sentiment_score":-0.013323305174708366,"channel":0,"num_words":1,"start":2728.815,"end":2729.315},{"sentences":[{"text":"Alright.","start":2730.41,"end":2730.91,"sentiment":"neutral","sentiment_score":0.03491209074854851},{"text":"No.","start":2731.05,"end":2731.45,"sentiment":"neutral","sentiment_score":-0.05667923018336296},{"text":"Thanks, Diana, for your time as well.","start":2731.45,"end":2733.47,"sentiment":"positive","sentiment_score":0.40014249086380005}],"sentiment":"neutral","sentiment_score":0.30880336629019844,"channel":1,"num_words":9,"start":2730.41,"end":2733.47},{"sentences":[{"text":"Oh, not a problem at all.","start":2733.87,"end":2735.1501,"sentiment":"positive","sentiment_score":0.6164722243944804},{"text":"It's been an absolute pleasure.","start":2735.1501,"end":2736.43,"sentiment":"positive","sentiment_score":0.8777369260787964},{"text":"I've really enjoyed putting the research together.","start":2736.43,"end":2738.45,"sentiment":"positive","sentiment_score":0.8978540131023952},{"text":"You've also got lots of other fun documents attached, like the financial services guide.","start":2738.9102,"end":2743.005,"sentiment":"positive","sentiment_score":0.6146564036607742},{"text":"I've got PDF documents if you like having a bit of a read of things as well.","start":2743.005,"end":2746.865,"sentiment":"positive","sentiment_score":0.45692742046187906}],"sentiment":"positive","sentiment_score":0.6274582013791922,"channel":0,"num_words":49,"start":2733.87,"end":2746.865},{"sentences":[{"text":"So you're welcome","start":2747.165,"end":2747.805,"sentiment":"neutral","sentiment_score":0.31052900354067486}],"sentiment":"neutral","sentiment_score":0.31052900354067486,"channel":0,"num_words":3,"start":2747.165,"end":2747.805},{"sentences":[{"text":"Yeah.","start":2747.655,"end":2748.155,"sentiment":"neutral","sentiment_score":0.17199647426605225}],"sentiment":"neutral","sentiment_score":0.17199647426605225,"channel":1,"num_words":1,"start":2747.655,"end":2748.155},{"sentences":[{"text":"to run your eyes over any of those if you want to.","start":2747.805,"end":2751.165,"sentiment":"neutral","sentiment_score":0.18995201339324316},{"text":"Okay.","start":2751.165,"end":2751.665,"sentiment":"neutral","sentiment_score":0.14185196161270142}],"sentiment":"neutral","sentiment_score":0.18625200941012457,"channel":0,"num_words":13,"start":2747.805,"end":2751.665},{"sentences":[{"text":"Alright.","start":2752.96,"end":2753.12,"sentiment":"neutral","sentiment_score":0.24918290972709656},{"text":"Thanks,","start":2753.12,"end":2753.62,"sentiment":"positive","sentiment_score":0.4885249435901642}],"sentiment":"positive","sentiment_score":0.36885392665863037,"channel":1,"num_words":2,"start":2752.96,"end":2753.62},{"sentences":[{"text":"No worries.","start":2754.86,"end":2755.5,"sentiment":"positive","sentiment_score":0.4497883468866348},{"text":"You have a lovely evening, Mariano.","start":2755.5,"end":2757.28,"sentiment":"positive","sentiment_score":0.7320252855618795}],"sentiment":"positive","sentiment_score":0.6614660508930683,"channel":0,"num_words":8,"start":2754.86,"end":2757.28},{"sentences":[{"text":"Zaina.","start":2757.2,"end":2757.7,"sentiment":"positive","sentiment_score":0.41554880142211914},{"text":"I can see it.","start":2758.4001,"end":2759.3801,"sentiment":"positive","sentiment_score":0.40654048323631287}],"sentiment":"positive","sentiment_score":0.40834214687347414,"channel":1,"num_words":5,"start":2757.2,"end":2759.3801},{"sentences":[{"text":"Thank you.","start":2760.54,"end":2761.1,"sentiment":"positive","sentiment_score":0.5972074866294861},{"text":"I'll talk to you soon.","start":2761.1,"end":2762.32,"sentiment":"positive","sentiment_score":0.35343186259269715},{"text":"See you later.","start":2762.46,"end":2763.36,"sentiment":"neutral","sentiment_score":0.2573520441850026}],"sentiment":"positive","sentiment_score":0.3733630418777466,"channel":0,"num_words":10,"start":2760.54,"end":2763.36},{"sentences":[{"text":"Alright.","start":2763.2,"end":2763.7,"sentiment":"neutral","sentiment_score":0.1441132426261902},{"text":"Bye.","start":2764.1602,"end":2764.4001,"sentiment":"neutral","sentiment_score":0.15813684463500977},{"text":"Goodbye.","start":2764.4001,"end":2764.9001,"sentiment":"neutral","sentiment_score":0.16174016892910004}],"sentiment":"neutral","sentiment_score":0.1546634187301,"channel":1,"num_words":3,"start":2763.2,"end":2764.9001},{"sentences":[{"text":"Bye.","start":2764.46,"end":2764.96,"sentiment":"neutral","sentiment_score":-0.08563367277383804}],"sentiment":"neutral","sentiment_score":-0.08563367277383804,"channel":0,"num_words":1,"start":2764.46,"end":2764.96}]},"summary":{"result":"success","short":"Representatives from Okie Financial reassess the customer's insurance and make changes to their portfolio, including reducing risk levels and adding to their investment portfolio. They emphasize the importance of diversification and reducing risk levels across different industries. The speaker recommends reducing coverage to reduce costs and increase coverage for the long term, and emphasizes the need to review investments and make changes as needed. They also suggest waiting until legislation is passed before adding a new investment property to their portfolio and offer to answer any questions and make changes to the financial goals."},"intents":{"segments":[{"text":"It's Zaina from Okie Financial. How are you this afternoon? I'm getting to say a say now you said? Yes. Yes.","start_word":7,"end_word":27,"intents":[{"intent":"Obtain information","confidence_score":0.02412504}]},{"text":"How has yours been? Yeah.","start_word":43,"end_word":47,"intents":[{"intent":"Check status","confidence_score":0.005226992}]},{"text":"And before we jump into the call there, Mariana, I do need to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Yes. It Fantastic.","start_word":84,"end_word":119,"intents":[{"intent":"Record call","confidence_score":0.090515554}]},{"text":"And I just need to do security there with you as well. If you can just confirm for me your full name, your date of birth, and address I should have on file. Full name, Mariano Mariano. Address, 29 Varela Road, Avelly Path. What was the other thing?","start_word":120,"end_word":167,"intents":[{"intent":"Do security","confidence_score":0.0025567072}]},{"text":"If you can just confirm for me your full name, your date of birth, and address I should have on file. Full name, Mariano Mariano. Address, 29 Varela Road, Avelly Path. What was the other thing?","start_word":132,"end_word":167,"intents":[{"intent":"Confirm information","confidence_score":0.10900463}]},{"text":"I'm just gonna send you an email to you now. If you can open that up for me, and hopefully, it comes through shortly. It might take a second to come through. Just kind of let me know if it does. Yep.","start_word":317,"end_word":358,"intents":[{"intent":"Provide email","confidence_score":0.0033458925}]},{"text":"Love technology when it wants to work. Yeah.","start_word":366,"end_word":373,"intents":[{"intent":"Promote technology","confidence_score":0.012113318}]},{"text":"Like, we don't even get that kind of I mean, we had I don't think we've had that kind of heat over here in, oh, years and years, so you're definitely feeling the heat a lot more over there. Yes. We do.","start_word":677,"end_word":718,"intents":[{"intent":"Evaluate heat impact","confidence_score":0.00016441187}]},{"text":"I wanted to make sure that you're obviously in the best performing investments and make sure your super is working harder for you because you're working hard, your contributions are going in, and you wanna have that great retirement when you get older as well.","start_word":1173,"end_word":1217,"intents":[{"intent":"Reassure about investments","confidence_score":0.000016486645}]},{"text":"We're looking to retain your hub twenty four.","start_word":1250,"end_word":1257,"intents":[{"intent":"Retain super fund","confidence_score":0.059508596}]},{"text":"So we are going to, as you can see here, sell off all the global ex battery lithium tax, remove that down to zero. The Ben along Australian equities has been underperforming pretty significantly holding your portfolio back a little bit. So we're gonna sell all of that off and remove that from your portfolio.","start_word":1288,"end_word":1342,"intents":[{"intent":"Remove a portion from portfolio","confidence_score":0.0000068721856}]},{"text":"We've also got the bank hybrids there. Now this investment is being phased out in the future. So it is best to remove this from your portfolio now. Bank hybrids are more of a defensive low risk investment, more cash producing, like, income producing.","start_word":1352,"end_word":1395,"intents":[{"intent":"Remove bank hybrids","confidence_score":0.027834022}]},{"text":"You do have about 8.86% in there at the moment, and we just wanna rebalance it back a little bit to 7%.","start_word":1511,"end_word":1532,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.34095693}]},{"text":"One of the things I like about the s and p 500 is that investment is tracking the top 500 companies in The US. And, essentially, in order to be in the indices for the S and P 500 and to be you know, to meet that, because they have a certain criteria, essentially. So when a company isn't performing or doesn't meet the criteria, they are removed Yes.","start_word":1757,"end_word":1825,"intents":[{"intent":"Explaining investment methodology","confidence_score":0.0026985742}]},{"text":"With the VanEck Australian property, not a bad investment, has done quite well for you over the past few years, but we do see some other areas of growth. So we're just gonna sell that investment off out of your portfolio.","start_word":1871,"end_word":1911,"intents":[{"intent":"Suggesting selling investment","confidence_score":0.002424226}]},{"text":"That's essentially increasing your diversification into the market. We're holding a much cheaper exposure into the Australian shares market as well, and it's also giving you greater diversification and replacing the underperforming investments within there.","start_word":2194,"end_word":2228,"intents":[{"intent":"Address portfolio diversification","confidence_score":0.015012061}]},{"text":"We're also adding in the Vanguard All World x US investments. This is looking at exposure across the globe minus The US market, and that's the biggest part about giving you diversification is spreading your risk level across different industries, across different countries, across different asset classes. Because if we can spread the risk as much as possible, that helps to lower the risk of your portfolio.","start_word":2635,"end_word":2701,"intents":[{"intent":"Promote diversified portfolio","confidence_score":0.00001365142}]},{"text":"We're only having about 5% in there. You still wanna make sure most of your funds are in that growth asset allocation.","start_word":2798,"end_word":2819,"intents":[{"intent":"Ensure funds are allocated","confidence_score":0.08294016}]},{"text":"So core composite bonds are looking at government and corporate bonds. Bonds are good as a defensive investment because they pay coupon payments or income payments on a regular basis. Those income payments are paid into the cash account of your super fund and then get redistributed or reinvested back into your portfolio, which helps with the compounding effect moving forward.","start_word":2819,"end_word":2879,"intents":[{"intent":"Explain purpose of call","confidence_score":0.00023196054}]},{"text":"Essentially, to to show you the difference and how this can provide a benefit to you, if you can just scroll down to page 25 for me, you'll see the fee comparison table there. Age 25.","start_word":2988,"end_word":3023,"intents":[{"intent":"Show comparison","confidence_score":0.019037876}]},{"text":"Essentially, to to show you the difference and how this can provide a benefit to you, if you can just scroll down to page 25 for me, you'll see the fee comparison table there. Age 25. Yeah.","start_word":2988,"end_word":3024,"intents":[{"intent":"Explain benefits of investing","confidence_score":0.0989983}]},{"text":"It's got your hub 24 super with your current balance, and then also noting your administration fees, investment fees, the ongoing status fees for having us look after and monitor your super, your contributions going in, and also your insurance premiums there.","start_word":3046,"end_word":3087,"intents":[{"intent":"Explain difference between hu 24 and super","confidence_score":0.00000543498}]},{"text":"So by changing the investment and moving into the newer portfolio and making the changes we went through above, we can reduce your investment fees for the first year from $1,844 to $811. It's saving you a thousand and $33 for the first year in investment fees. So that's making it cheaper, which is really important Alright.","start_word":3239,"end_word":3295,"intents":[{"intent":"Reduce costs and premiums","confidence_score":0.00006579399}]},{"text":"But then your insurance premiums, I'm making a recommendation on insurances for you, which reduces the insurance premiums, which is important, saves you about $3,200 on insurance premiums, and I'll go through that shortly with you. Alright.","start_word":3393,"end_word":3429,"intents":[{"intent":"Predict future changes and recommendations","confidence_score":0.00010527548}]},{"text":"So by making the switch, going to the newer portfolio, if it's able to get the same return that it has been able to generate over the past five years, over the next five to ten years, you can see where it lands you and that, you know, the newer portfolio shows you could be in a greater position. Does that make sense? Yes.","start_word":3506,"end_word":3569,"intents":[{"intent":"Monitor portfolios","confidence_score":0.0015377859}]},{"text":"you have any questions for me, Mariana?","start_word":3911,"end_word":3917,"intents":[{"intent":"Ask questions","confidence_score":0.0011057622}]},{"text":"Now I just need to go through the insurance side of things with you as well because that was the other thing that you wanted to sort of talk about was your insurance premiums are extremely high.","start_word":4643,"end_word":4679,"intents":[{"intent":"Seek insurance coverage and benefits","confidence_score":0.000004214576}]},{"text":"this the other side of that table shows essentially what I'm recommending to make this cheaper for you is that you are a little bit over insured in all areas.","start_word":4960,"end_word":4989,"intents":[{"intent":"Recommend","confidence_score":0.0014890085},{"intent":"Recommend","confidence_score":0.34511125},{"intent":"Explain","confidence_score":0.28308436},{"intent":"Provide information","confidence_score":0.04876221},{"intent":"Inquire about","confidence_score":0.011427637}]},{"text":"And then with the income protection based on your current income amount and covering yourself for 70% of the monthly benefit, we're able to cover you for 11,773 on a monthly basis.","start_word":5081,"end_word":5112,"intents":[{"intent":"Provide benefits","confidence_score":0.003390174}]},{"text":"You actually receive a little bit of a discount for paying this out of your super fund.","start_word":5261,"end_word":5277,"intents":[{"intent":"Provide discount","confidence_score":0.06909001}]},{"text":"And it saves you about 3,200 for the first year on your insurance premium.","start_word":5399,"end_word":5412,"intents":[{"intent":"Save money on insurance","confidence_score":0.0002679432}]},{"text":"So every year of re review time, you and I will chat about the level of cover you have, what your mortgage Yeah.","start_word":5820,"end_word":5842,"intents":[{"intent":"Discuss super cover","confidence_score":0.0017281016}]},{"text":"But it is important to note that at a later time, if you decide you wanna increase the insurances again, we have to reapply.","start_word":6092,"end_word":6115,"intents":[{"intent":"Reapply for insurances","confidence_score":0.044167113}]},{"text":"We're preparing for retirement. We're thinking of investing in an investment property in our house.","start_word":6216,"end_word":6230,"intents":[{"intent":"Plan for retirement","confidence_score":0.026534606},{"intent":"Consider investment property","confidence_score":0.023435406}]},{"text":"Having an investment property is absolutely a great way to be able to boost for retirement, either keeping the property and, you know, renting it out in retirement for additional income or just keeping it for a couple of years, having it grow and then sell it off to, you know, provide you with a nice big chunk of capital.","start_word":6309,"end_word":6368,"intents":[{"intent":"Obtain capital","confidence_score":0.0008276424}]},{"text":"Let's look at it closer to when we know more.","start_word":6409,"end_word":6418,"intents":[{"intent":"Explore future plans","confidence_score":0.0000050477406}]},{"text":"All of that legislation is currently going through parliament and being argued at the moment, Yes.","start_word":6420,"end_word":6435,"intents":[{"intent":"Understand legislation","confidence_score":0.17706299},{"intent":"Look at legislation","confidence_score":0.14981696}]},{"text":"and I think we should hold off.","start_word":6435,"end_word":6441,"intents":[{"intent":"Hold off","confidence_score":0.6169624}]},{"text":"We'll check-in any review time and see if there's any changes to the legislation or if there's any guidance on how that's going to go through. And then we can kind of look at you know, when we have a bit more clarity around what the legislation looks like and what the requirements are gonna be, then we can look at Yeah. how to help you and provide advice around that area. Okay? Okay.","start_word":6538,"end_word":6611,"intents":[{"intent":"Provide guidance","confidence_score":0.13293262}]},{"text":"how to help you and provide advice around that area. Okay? Okay.","start_word":6600,"end_word":6611,"intents":[{"intent":"Provide advice","confidence_score":0.5871364}]},{"text":"Whereas if the legislation doesn't pass, then we might be able to look at a preexisting home depending on what you need what you're after. Okay. Alright.","start_word":6671,"end_word":6697,"intents":[{"intent":"Consider preexisting home","confidence_score":0.23044974}]},{"text":"Could I contribute additional, you know, to my super contributions? Could they Yeah. be Yeah.","start_word":6768,"end_word":6782,"intents":[{"intent":"Consider contribution","confidence_score":0.061890483}]},{"text":"And I think if you've got that kind of money and wanna invest it, let's have another conversation about what your goals are and what you wanna achieve.","start_word":6800,"end_word":6827,"intents":[{"intent":"Set goals","confidence_score":0.01175047}]},{"text":"Because sometimes if you've got, you know, your mortgage and you're wanting to, you know, pay that off faster, putting it on your main primary mortgage is a good option. If you've got a higher interest rate, often paying that down helps you reduce the non tax deductible debt a little bit quicker.","start_word":7141,"end_word":7193,"intents":[{"intent":"Plan financial plan","confidence_score":0.00054114615}]},{"text":"We'll definitely we'll definitely talk about this. And when we do your annual review, I will make sure I ask you more about that $100, and we can talk more about whether we keep it there or whether you move it to something else. Okay? Alright.","start_word":7581,"end_word":7626,"intents":[{"intent":"Schedule annual review","confidence_score":0.014581534}]},{"text":"And when we do your annual review, I will make sure I ask you more about that $100, and we can talk more about whether we keep it there or whether you move it to something else. Okay? Alright.","start_word":7588,"end_word":7626,"intents":[{"intent":"Ask about $100 investment","confidence_score":0.0005180857}]},{"text":"that I need to talk to you before then, I'll make an appointment.","start_word":7820,"end_word":7832,"intents":[{"intent":"Make appointment","confidence_score":0.028704803}]}]},"sentiments":{"segments":[{"text":"Speaking. Hello? Is Mariano here? Hi, Mariana. It's Zaina from Okie Financial. How are you this afternoon? I'm getting to say a say now you said? Yes. Yes. It's Dana from Oakview Financial. How's your day been going?","start_word":0,"end_word":37,"sentiment":"neutral","sentiment_score":0.08169414848089218},{"text":"My day is going good.","start_word":38,"end_word":42,"sentiment":"positive","sentiment_score":0.4396779537200928},{"text":"How has yours been? Yeah.","start_word":43,"end_word":47,"sentiment":"neutral","sentiment_score":0.22364726662635803},{"text":"Really good. Thank you. Thanks for asking.","start_word":48,"end_word":54,"sentiment":"positive","sentiment_score":0.5878092050552368},{"text":"I had you booked in this afternoon to go through your updated statement of advice. Is now still a good time there for Yes. you? It is.","start_word":55,"end_word":81,"sentiment":"neutral","sentiment_score":0.21483537554740903},{"text":"Fantastic. Fantastic.","start_word":82,"end_word":83,"sentiment":"positive","sentiment_score":0.591301441192627},{"text":"And before we jump into the call there, Mariana, I do need to let you know we do record our calls for quality and training purposes. Are you happy to proceed with that? Yes.","start_word":84,"end_word":117,"sentiment":"neutral","sentiment_score":0.1474258452653885},{"text":"It Fantastic.","start_word":118,"end_word":119,"sentiment":"positive","sentiment_score":0.3725481629371643},{"text":"And I just need to do security there with you as well. If you can just confirm for me your full name, your date of birth, and address I should have on file. Full name, Mariano Mariano. Address, 29 Varela Road, Avelly Path. What was the other thing? Date of birth. Twenty four zero four seventy three. Oh, beautiful.","start_word":120,"end_word":178,"sentiment":"neutral","sentiment_score":0.08721806108951569},{"text":"Thank you so much for that.","start_word":179,"end_word":184,"sentiment":"positive","sentiment_score":0.530840277671814},{"text":"Now as I kinda mentioned, we have your updated statement of advice document. We were looking to reassess your insurances for you because you have made mention when we spoke last time that they were very expensive. But we've also gone back and had a look at your super. Essentially, we wanted to make sure that your portfolio is working for you, and we have sort of gone back and reviewed everything as part of the advice and noted that there's been some underperforming investments. So we wanted to make some changes there for you. So this in advice document is kind of incorporating all of that. Do Yeah. you happen to have access to your emails right now? If you don't, that is okay. Yes. I have access to them.","start_word":185,"end_word":315,"sentiment":"neutral","sentiment_score":0.07430240511894226},{"text":"Fantastic.","start_word":316,"end_word":316,"sentiment":"positive","sentiment_score":0.41327372193336487},{"text":"I'm just gonna send you an email to you now. If you can open that up for me, and hopefully, it comes through shortly. It might take a second to come through. Just kind of let me know if it does. Yep. I'm watching and refreshing. That's okay.","start_word":317,"end_word":364,"sentiment":"neutral","sentiment_score":0.20382246375083923},{"text":"Love technology when it wants to work.","start_word":365,"end_word":371,"sentiment":"positive","sentiment_score":0.5898949503898621},{"text":"Yeah. Have you had a really busy day? It hasn't been you know, it it has been okay. Not too busy, but tomorrow is going to be busier. Oh, wow. Well, hopefully, Yeah.","start_word":372,"end_word":404,"sentiment":"neutral","sentiment_score":0.028650688007473946},{"text":"it's a good day for you tomorrow.","start_word":405,"end_word":411,"sentiment":"positive","sentiment_score":0.4967673122882843},{"text":"Does busy mean it'll go a bit faster? Yes. It will go faster. My boss sent me a message. He's going on leave. So I've just been forwarded a couple of meetings, and I have a shutdown Really? starting tomorrow. So, yes, it's going to be exciting in court.","start_word":412,"end_word":460,"sentiment":"neutral","sentiment_score":0.08361876010894775},{"text":"Oh, that's exciting. I love that. All good.","start_word":461,"end_word":468,"sentiment":"positive","sentiment_score":0.6521095633506775},{"text":"All good. The email Nothing hasn't yet. come through yet. No. That's okay. It should be very, very shortly. So say now where where where are you located? Brisbane? We're on the we're on the Gold Coast. Yeah. Oh, God. God, by the way. Yes. How is it there Yeah. now? The weather? Well, for me, it's quite cold. For you, it might be a bit warmer. Alright. I own it that I'm I probably feel the cold worse than most people. Alright. No. How's the weather where you are at the moment? Yeah. It has been I'm I'm wearing a jumper. Yeah. So it is it is color. Yes. Yeah. Especially in the mornings and evenings. Yes. It is it is a bit cold. Yeah. Well because in WA, like, where you are, you kinda feel it's probably a different kinda cold to what we would have over here. But then your summers are very hot too, aren't they? Yeah. They can be blazing hot, especially where I work because I I work at a mine site where I'm going tomorrow up north in Palabadeu. Yes. It will be much warmer there. And in summer, Yeah. we get to 48 degrees easy. That is extremely hot. Like, we don't even get that kind of I mean, we had I don't think we've had that kind of heat over here in, oh, years and years, so you're definitely feeling the heat a lot more over there. Yes. We do. Has anything popped through there as as of yet? Yes.","start_word":469,"end_word":727,"sentiment":"neutral","sentiment_score":-0.05109477378284149},{"text":"It has Oh, just beautiful. come through the point of advice. Fantastic. Excellent.","start_word":728,"end_word":740,"sentiment":"positive","sentiment_score":0.49777889251708984},{"text":"Alright. So on Is the front is page is it an there, attachment? you'll so it you can do the attachments. If not, if you click on the sign now button, it takes you through so you can Yes. review the document. It will never ask you to sign anything until you've read it. So you're welcome to take it back after the call and review it and read it and let me know if you do have additional questions. Okay? Okay. I've opened Perfect.","start_word":741,"end_word":825,"sentiment":"neutral","sentiment_score":0.11986715346574783},{"text":"it. Excellent.","start_word":826,"end_word":827,"sentiment":"positive","sentiment_score":0.43246155977249146},{"text":"So last time we called up, as I mentioned, you wanted me to have a look at your insurances. So you mentioned you were they were costing you a lot of money, and it does affect you so far. Your goal with your insurance is what that you was that you wanted to make sure that in the event of you having passed away or having a TPD claim that your income that your mortgage is fully paid off and with income replacement Yes. covering you for up to 70% of your current income in the event of a Mhmm. claim. You also wanted to make sure with your life with your life and TV that you could cover about two to five years worth of income replacement there as well and to see if we can make the insurances a bit cheaper because they are extremely expensive. And, unfortunately, Yes.","start_word":828,"end_word":978,"sentiment":"neutral","sentiment_score":0.035925380885601044},{"text":"as we get older, the risk of us making a claim increases.","start_word":979,"end_word":990,"sentiment":"negative","sentiment_score":-0.34265056252479553},{"text":"So, again, those insurances do continue to get more expensive. Your income, what we confirmed, and my colleague confirmed when we spoke to you last, is about 201,825. Have you had an increase or an alteration on that income at all? No. That's I think it's roundabout the same figure. Yeah. Yep.","start_word":991,"end_word":1042,"sentiment":"neutral","sentiment_score":-0.11587890982627869},{"text":"Beautiful. Beautiful.","start_word":1043,"end_word":1044,"sentiment":"positive","sentiment_score":0.3785023689270019},{"text":"So to make it easier on the document, I'll as I said, you can go back and definitely have a read through it all, but I'll take you through the pages that are very relevant to today's call. If you can scroll down to page number 16 for me, I'll start by just taking you to the recommendation around the, the superannuation side of things. Alright. Yes. I'm on page 16 now.","start_word":1045,"end_word":1116,"sentiment":"neutral","sentiment_score":0.14590895175933838},{"text":"Beautiful.","start_word":1117,"end_word":1117,"sentiment":"positive","sentiment_score":0.6331048011779785},{"text":"Now the heading there should be investment recommendations oh, recommended investment superannuation. Is that the heading you can see there? You should have a table with lots of different investment names there. Yes. I'm looking at it.","start_word":1118,"end_word":1154,"sentiment":"neutral","sentiment_score":0.13537508249282837},{"text":"Beautiful.","start_word":1155,"end_word":1155,"sentiment":"positive","sentiment_score":0.6213953495025635},{"text":"So, essentially, as I kinda mentioned, we had a bit of a look at your super fund.","start_word":1156,"end_word":1172,"sentiment":"neutral","sentiment_score":0.27953746914863586},{"text":"I wanted to make sure that you're obviously in the best performing investments and make sure your super is working harder for you because you're working hard, your contributions are going in, and you wanna have that great retirement when you get older as well.","start_word":1173,"end_word":1217,"sentiment":"positive","sentiment_score":0.5883932709693909},{"text":"So I had a really good look at how things were structured. I noticed that some of your investments were underperforming, so we've decided to do a bit of an investment switch. We're looking to retain your hub twenty four. The super fund itself is fine. There's no underlying issues or requirement to change the fund, but we are gonna do a bit of an investment switch here for you. So we are going to, as you can see here, sell off all the global ex battery lithium tax, remove that down to zero.","start_word":1218,"end_word":1311,"sentiment":"neutral","sentiment_score":0.040841758251190186},{"text":"The Ben along Australian equities has been underperforming pretty significantly holding your portfolio back a little bit.","start_word":1312,"end_word":1328,"sentiment":"negative","sentiment_score":-0.41541385650634766},{"text":"So we're gonna sell all of that off and remove that from your portfolio. You don't need to be invested in anything underperforming. We've also got the bank hybrids there. Now this investment is being phased out in the future. So it is best to remove this from your portfolio now. Bank hybrids are more of a defensive low risk investment, more cash producing, like, income producing. But as they're gonna be phased out in the future, we either remove them now when we're making these changes or we're gonna have to down the track. So it's worth removing that and selling all of that investment now for you. The Alright. Van at China new economy hasn't really been performing the way we sort of had hoped.","start_word":1329,"end_word":1455,"sentiment":"neutral","sentiment_score":-0.10792857898384568},{"text":"China hasn't really taken off the way it was expected to, and it is slightly underperforming in your portfolio, so removing that for you.","start_word":1456,"end_word":1479,"sentiment":"negative","sentiment_score":-0.33942297101020813},{"text":"With the physical gold, it has done really well. Gold is still a great investment.","start_word":1480,"end_word":1494,"sentiment":"positive","sentiment_score":0.3887195587158203},{"text":"It has been a little bit of a slump lately, but it is still worth keeping. You do have about 8.86% in there at the moment, and we just wanna rebalance it back a little bit to 7%.","start_word":1495,"end_word":1532,"sentiment":"neutral","sentiment_score":0.07062260061502457},{"text":"So make sure that we're, you know, cementing some of the gains you've seen and redistributing that across the portfolio.","start_word":1533,"end_word":1552,"sentiment":"positive","sentiment_score":0.3345456123352051},{"text":"So we are just gonna sell a little bit of that physical gold and redistribute the funds. With cybersecurity, again, we are just going to rebalance it back a little bit.","start_word":1553,"end_word":1583,"sentiment":"neutral","sentiment_score":0.1700412631034851},{"text":"It's still a good investment. Nothing wrong with it.","start_word":1584,"end_word":1592,"sentiment":"positive","sentiment_score":0.4927824139595032},{"text":"Has been a little bit of a downtime this year with what's been going on between The US and Iran. Cybersecurity has been a little bit of a hit, but it is still a great place to be invested and will come back. But you're a little bit overexposed at the moment, so you've got a bit more than you need. We wanna hold about 6%, and you currently have about 7.53. So just selling off a little bit of that, about one Alright. point 53% just to rebalance you back a little bit. With the S and P 500, the next one down, Yep. Essentially, your portfolio has about 32.89% there at the moment. We wanna hold about 35%. So we just wanna buy a little bit more of that investment there. I know with the S and p 500 and The US as well, it has been a little bit up and down, but it is still a great place to be. One of the things I like about the s and p 500 is that investment is tracking the top 500 companies in The US. And, essentially, in order to be in the indices for the S and P 500 and to be you know, to meet that, because they have a certain criteria, essentially. So when a company isn't performing or doesn't meet the criteria, they are removed Yes. from the indices and therefore not tracked by this investment. So you're always tracking Alright.","start_word":1593,"end_word":1840,"sentiment":"neutral","sentiment_score":0.06785879198521856},{"text":"the top 500 companies in The US, which is great. So we're just gonna buy a little bit of this into your portfolio, increase your exposure there a little bit.","start_word":1841,"end_word":1870,"sentiment":"positive","sentiment_score":0.3762159049510956},{"text":"With the VanEck Australian property, not a bad investment, has done quite well for you over the past few years, but we do see some other areas of growth. So we're just gonna sell that investment off out of your portfolio. And then we've got Okay. the Raffy a 2 100 there as well. Again yeah. Sorry. You're right. The VanEgg Australia property. Is it the same company as VanEck China New Economy? Is it a branch? I'm so sorry, Mariana. I did miss that. Can you repeat that for me? Yeah. VanEck Australian Property. Is Yeah. it the same company as VanEck China New Economy? Yeah. So VanEck is the investment, but the investment itself is very different. So the VanEck Australian property is VanEck is the the, essentially, the investment firm, a bit like iShares or BetaShares. And this investment option is tracking the Australian property market, whereas the VanEck China new economy is tracking the Chinese market. Does that make sense? Yep. Alright. Yeah. Yeah. All good. So, again, we'll get rid of that investment. Just selling all of that off for you, and then the beta shares wrap the a 200. So looking at the, essentially, the middle 200 sort of looking at small to medium cap stocks. We're looking at 200 on the Australian market there. Has not been bad in any way, shape, or form, but we are just removing that because what we're doing with the Ben along Australian equities, because that has essentially been removed from your portfolio because that has been underperforming, we're buying into the beta shares a 200, which is the second investment from the bottom. So what we Alright. need to do, because we are buying 25% of that, we don't wanna keep you overexposed to Australian equities. So by selling off the Benelon Australian equities and the beta shares RAPI 200, We're then gonna buy into the a 200 there.","start_word":1871,"end_word":2193,"sentiment":"neutral","sentiment_score":0.004051635148516934},{"text":"That's essentially increasing your diversification into the market. We're holding a much cheaper exposure into the Australian shares market as well, and it's also giving you greater diversification and replacing the underperforming investments within there. So it actually works out much into your favor.","start_word":2194,"end_word":2237,"sentiment":"positive","sentiment_score":0.486952543258667},{"text":"We'll only hold 25% of the of Australian equities in your portfolio. We don't wanna hold anything more than that. We don't wanna overexpose you into the area and essentially make sure you still have diversification there, which is important. One of the things I do like about the a 200 over the Bennelong Australian Equities is Bennelong and that Australian Equities investment generally only held between, say, 15 to 25 different investment options. So by removing that from your portfolio, we're investing in the beta shares a 200, which is actually giving you exposure to the top 200 companies on the ASX.","start_word":2238,"end_word":2340,"sentiment":"neutral","sentiment_score":0.2485005259513855},{"text":"So very much like the S and P 500, you're tracking the the top 200 companies on the Australian ASX market, and therefore, it's giving you greater diversification.","start_word":2341,"end_word":2368,"sentiment":"positive","sentiment_score":0.3827285170555115},{"text":"You're tracking 200 companies instead of 15 to 25, if that makes sense. Yep. Yeah. We're also then gonna buy into some European exposure. So the iShares Europe is giving you exposure to all 16 European countries and the markets within, and then also Japan.","start_word":2369,"end_word":2413,"sentiment":"neutral","sentiment_score":0.21904438734054563},{"text":"So Japan has seen some really great growth recently, especially with what's happened this year. Japan actually prepared very, very well for its for its systems around the oil and the fuel side of things, unlike our our country, unfortunately. So Japan has seen some really good growth there and is a market that doesn't doesn't follow unison.","start_word":2414,"end_word":2471,"sentiment":"positive","sentiment_score":0.4557861089706421},{"text":"So we did sort of see over the last couple of years with the Australian market, we tend to follow The US. When The US sees a dip, our market tends to take a dip there with it. We have sort of seen instances over the past couple of years where the Japanese market doesn't follow suit, and it moves in the opposite direction to what The US and the Australian market does.","start_word":2472,"end_word":2544,"sentiment":"neutral","sentiment_score":0.05792766436934471},{"text":"So that's a really handy thing to have in your portfolio.","start_word":2545,"end_word":2555,"sentiment":"positive","sentiment_score":0.5001159310340881},{"text":"You don't wanna see all your investments going up and down at the same time. When, say, The US Mhmm. and Australia might be down, you wanna have investments that are seeing growth in those times. And, essentially, Europe and and Japan tend to see those sorts of market changes.","start_word":2556,"end_word":2605,"sentiment":"neutral","sentiment_score":0.1158543974161148},{"text":"So that's what we wanna see and how we want your portfolio to work. And so having those sorts of asset classes and exposures in your portfolio is positive.","start_word":2606,"end_word":2634,"sentiment":"positive","sentiment_score":0.4181871712207794},{"text":"We're also adding in the Vanguard All World x US investments. This is looking at exposure across the globe minus The US market, and that's the biggest part about giving you diversification is spreading your risk level across different industries, across different countries, across different asset classes. Because if we can spread the risk as much as possible, that helps to lower the risk of your portfolio. And this Vanguard All World ex US investment is doing just that. It's spreading over all across the globe into already established markets, but also up Yeah. and coming markets as well. Okay? Alright.","start_word":2635,"end_word":2735,"sentiment":"neutral","sentiment_score":0.22121429443359375},{"text":"Excellent.","start_word":2736,"end_word":2736,"sentiment":"positive","sentiment_score":0.4522877335548401},{"text":"And because we are removing the bank hybrids from the investment, you still wanna have some low risk defensive investments. So defensive investments in your portfolio there. You are a high growth investor, but you still wanna have around about 10% in those low risk defensive areas. So we're gonna have the core compass of bonds in here for you. We're only having about 5% in there. You still wanna make sure most of your funds are in that growth asset allocation. So core composite bonds are looking at government and corporate bonds.","start_word":2737,"end_word":2829,"sentiment":"neutral","sentiment_score":0.18294652935958677},{"text":"Bonds are good as a defensive investment because they pay coupon payments or income payments on a regular basis.","start_word":2830,"end_word":2848,"sentiment":"positive","sentiment_score":0.3892210721969605},{"text":"Those income payments are paid into the cash account of your super fund and then get redistributed or reinvested back into your portfolio, which helps with the compounding effect moving forward. So, essentially, just making these changes here, selling out of some investments that aren't performing as well, buying into some other investments that are lower cost that's providing greater diversification to help lower your risk level and making sure your super is working harder for you. Does that make sense? Yes. Makes sense. I want it working Yeah. as hard as possible. Yes. Absolutely. And you want your money to work as hard as possible too. Yeah. Yeah. Especially the way I am, where I'm thinking that, okay. Retirement may not be too far away, so we need No. to boost That's exactly right. Exactly right. yeah. Yeah. Essentially, to to show you the difference and how this can provide a benefit to you, if you can just scroll down to page 25 for me, you'll see the fee comparison table there. Age 25. Yeah. The heading is fee comparison. Yes. I'm there.","start_word":2849,"end_word":3032,"sentiment":"neutral","sentiment_score":0.15816602110862732},{"text":"Beautiful. Excellent.","start_word":3033,"end_word":3034,"sentiment":"positive","sentiment_score":0.6435104608535767},{"text":"So with this table here, the first column has the current. It's got your hub 24 super with your current balance, and then also noting your administration fees, investment fees, the ongoing status fees for having us look after and monitor your super, your contributions going in, and also your insurance premiums there. Now with k making the changes to the investment portfolio, we do estimate your super balance to be about $402,004.63 after we make the switch. The difference is 3,340. Now just like you do a tax return every year, your super fund also does a tax return, and your super fund also pays income tax and capital gains tax whenever investments are purchased or sold or whether whenever income is produced within the super fund. So in order to make the switch that we went through above to change the investments, we do estimate that based on the research, your super fund will pay capital gains tax of $3,340. This is all dealt with inside your super fund, so it has no impact on you personally. Okay? Alright. Yeah. And, essentially, with retaining hub twenty four, there's no change to the administration fees.","start_word":3035,"end_word":3230,"sentiment":"neutral","sentiment_score":0.16917235084942409},{"text":"However, the investment fees do make a difference. So by changing the investment and moving into the newer portfolio and making the changes we went through above, we can reduce your investment fees for the first year from $1,844 to $811. It's saving you a thousand and $33 for the first year in investment fees. So that's making it cheaper, which is really important Alright. because that means less on fees means more money stays in your super fund working harder for you.","start_word":3231,"end_word":3313,"sentiment":"positive","sentiment_score":0.5001513361930847},{"text":"Does that make sense? Yep.","start_word":3314,"end_word":3318,"sentiment":"neutral","sentiment_score":0.2163608968257904},{"text":"Yes. You do. Perfect.","start_word":3319,"end_word":3322,"sentiment":"positive","sentiment_score":0.48191362619400024},{"text":"With the ongoing service fee, there's no real change there. Just a slight change. We have factor in growth in there, so we do expect it to be an extra $40 for the year.","start_word":3323,"end_word":3356,"sentiment":"neutral","sentiment_score":0.21263813972473145},{"text":"That's our ongoing service fee for looking after your super, making the changes, providing you advice, and making sure your super is working harder for you.","start_word":3357,"end_word":3382,"sentiment":"positive","sentiment_score":0.379681259393692},{"text":"Your contributions will continue to go into no change there. But then your insurance premiums, I'm making a recommendation on insurances for you, which reduces the insurance premiums, which is important, saves you about $3,200 on insurance premiums, and I'll go through that shortly with you. Alright. Underneath that, you'll see the difference in the returns as well. So the current portfolio you're in, when we look at how that has moved and reacted over the past five years, essentially, it's averaged about 10.47%.","start_word":3383,"end_word":3466,"sentiment":"neutral","sentiment_score":0.2521429657936096},{"text":"However, this newer portfolio that we wanna move you into, a, it's cheaper, b, it's also had a greater past performance. So it's averaged 12.55% there.","start_word":3467,"end_word":3492,"sentiment":"positive","sentiment_score":0.36610183119773865},{"text":"Essentially, if you look below that, you can see the projection table.","start_word":3493,"end_word":3504,"sentiment":"neutral","sentiment_score":0.09276460856199265},{"text":"So by making the switch, going to the newer portfolio, if it's able to get the same return that it has been able to generate over the past five years, over the next five to ten years, you can see where it lands you and that, you know, the newer portfolio shows you could be in a greater position.","start_word":3505,"end_word":3563,"sentiment":"positive","sentiment_score":0.4977232217788696},{"text":"Does that make sense? Yes. It does make sense. Yeah.","start_word":3564,"end_word":3573,"sentiment":"neutral","sentiment_score":0.25507277250289917},{"text":"Beautiful.","start_word":3574,"end_word":3574,"sentiment":"positive","sentiment_score":0.5270161032676697},{"text":"Do you have any questions so far, Mariana? You're welcome to let me know if you do. Okay. So the projected okay. This projected balance, the number of years is counting from now. Yes. Is that From correct? this year. Yeah. Yeah. Yeah. Alright. Correct. Yep. So then it goes to the next five to in five years' time, this is where, know, if you got the same level of return over the next five years, this is where you could end up, or over the next ten if you continue to invest.","start_word":3575,"end_word":3667,"sentiment":"neutral","sentiment_score":0.22399769723415375},{"text":"That's where it could show so long as you were able to get that 12.55%.","start_word":3668,"end_word":3682,"sentiment":"positive","sentiment_score":0.4187527596950531},{"text":"One of the biggest things to note is that this is how the investments have performed over the past five years as a rolling average return. However, we do know that markets go up and down. So some years, you might get a 10% return. Some years, it might be a, you know, 20% return. Some years, it might be a negative return. So it's sort of looking at an average of how this was projected, and we'll make sure we keep reviewing your investments with you over the longer term and make changes as we need to. So one of the important things is that investments that are working in your super now in the next one, two, three, or even next five years, we might need to make some switches and some changes then again just like we have done now. So when you came on board originally, you were recommended a portfolio that was working well. It had done very Yes. well, but then some changes needed to occur a little bit down the track, which is what we're doing now. So just making sure we keep reviewing those investments and making changes as we need to so that your super continues to work for you. Does that make sense? Yes.","start_word":3683,"end_word":3896,"sentiment":"neutral","sentiment_score":0.05116800023852107},{"text":"It does. Yeah. It does make Beautiful. sense.","start_word":3897,"end_word":3904,"sentiment":"positive","sentiment_score":0.4621187448501587},{"text":"Yeah. Do you have do Yeah. you have any questions for me, Mariana? You're welcome to ask me anything if you if something pops up. Yeah. Just just curious. So HUB24, I can see in the with my portfolio how it is performed. How does Mhmm. performance of HUB24 compare with the other superannuation funds? I I just thought of it now. I haven't even looked it up. So just curious to know how HUB24 is doing relative to its Yep. competitors, if I may say. Yeah. So, essentially, it's not actually the super fund. Think of hub twenty four as the investment vehicle. It's like think about with your car. You sit in your car, but without any fuel, it doesn't actually go anywhere. So the underlying investments or the portfolio that your money is invested in, that's like the fuel for your car. Essentially, the it's not the super fund that gets you the returns. It's the underlying portfolio. So hub twenty four is just where your money goes into and the vehicle that we use to invest your money. But what gets you the returns is the underlying portfolio, the individual investments to which we're investing your funds in, which is what we have at the top there in that switch table. Does that make sense? Yes. It does make sense. Yes. I tell you. But you can imagine us when we are shopping around, you know, go on the web and we'll see, you know, which superannuation has been doing, you know, better. Yeah. And they're all gonna do Yeah. very different because they're all invested differently. But even when you're looking around, you're seeing, you know, Australian Super or Host Plus. The Super Fund will be saying our investment portfolios have returned this as a performance. Right? But it's not the fund it's not the Super Fund. It's not Host Plus Australian super that's got you the return. It's their underlying investment. It's what they're investing the funds in that are making those returns. So hub twenty four is just the investment vehicle. What gets the returns what gets that 12% return or a 10% return is the underlying investments of where your money is invested in. But, yeah, I mean, if you ever find something you wanna have a look at, let me know. Admittedly, Hub 24 isn't the cheapest platform out there, but one of the good things about Hub 24 is that it does give you access to investments. Essentially, we have over 1,170 different investment options that we can invest in, whereas most of the industry funds only have about 20 or 30 different investment options. So having a platform like Hub 24 that has, you know, over 1,100 different investment options does mean that you can be altering portfolios and investing in other areas to keep your super working harder for you. Okay. Yeah. Alright. Yeah. So so comparing to other diversified portfolios, how how is my portfolio doing generally comparatively? Yeah.","start_word":3905,"end_word":4406,"sentiment":"neutral","sentiment_score":0.05958974973272636},{"text":"Really, really good competitively.","start_word":4407,"end_word":4410,"sentiment":"positive","sentiment_score":0.5322391390800476},{"text":"I can go into Hub 24 now and pull up the report for you to show you what it's looking like now. Okay. Sorry. Won't be a second. I've just gotta log in. I won't be one moment. Alright. Okay. Here we go. Okay. I'll just pull up the report for you. Let's have a look. Yep. Okay. So in the last twelve months, your portfolio net a fee. So after all the fees have been deducted, you've made 10.67%. As a dollar figure, that's over $4,047,000 dollars in income and growth. Income and growth. Yep. Okay. Yep.","start_word":4411,"end_word":4508,"sentiment":"neutral","sentiment_score":0.08324623852968216},{"text":"So it's done very, very well.","start_word":4509,"end_word":4514,"sentiment":"positive","sentiment_score":0.476888507604599},{"text":"Okay. That's over the past twelve months. That's over the past twelve months. Yes. Alright. Okay. Yeah.","start_word":4515,"end_word":4531,"sentiment":"neutral","sentiment_score":0.15756697952747345},{"text":"Good. Good. Good to hear.","start_word":4532,"end_word":4536,"sentiment":"positive","sentiment_score":0.5445131063461304},{"text":"And from what you have put on the on on the table on page 25, so it's assumed that it will grow by average 12.55% The newer going portfolio has averaged that over the past five years on a yearly basis. Correct. We're forward. not guaranteeing you're definitely gonna get that every single year, but when we look at Yes.","start_word":4537,"end_word":4596,"sentiment":"neutral","sentiment_score":0.1967236690223217},{"text":"the research and how the investments have performed, as a whole, yeah, they have shown a greater level of performance. So over the longer term, if under the same market conditions occurred, they could achieve that absolutely.","start_word":4597,"end_word":4633,"sentiment":"positive","sentiment_score":0.4289743900299072},{"text":"Okay. Yeah.","start_word":4634,"end_word":4635,"sentiment":"neutral","sentiment_score":0.24195712804794312},{"text":"Alright. Good to All hear. good.","start_word":4636,"end_word":4641,"sentiment":"positive","sentiment_score":0.5025739669799805},{"text":"Yeah. Now I just need to go through the insurance side of things with you as well because that was the other thing that you wanted to sort of talk about was your insurance premiums are extremely high. If you look at page number 20 for me, this takes you through the changes to the insurances. So as I kinda mentioned, your goal there when we spoke last time was that you wanted to make sure that your you had a level of cover that was working for you, but they were getting very expensive. And because your insurance premiums are paid out of your super fund, it does have an effect on how your super, oh, essentially, your retirement's bigger and how much super you end up with. At the moment, with your insurance cover, you've got some license and TPD. The current sum Yes. insured or benefit amount is 2,013,807. Essentially, with your income protection policy, your current monthly benefit that you're insured for is 16,586. You have a four week waiting period and a five year benefit period. So, essentially, what we've looked at here is your goal for life and TBD is to make sure your mortgage is covered in the event that something occurs. You wanted to also replace five two to five years worth of income and make sure that you had that right level of cover. And then with income protection based on your current income amount, you're a little bit over insured there. So just because you're covered for that 15,000 in the event of an income protection claim, You go to claim, the insurer is then gonna ask for your payslips and or tax return to show how much you're earning, and they're only going to pay out the amount you're able to claim, which under the current legislation is 70% of your, pre disability income. So Alright. this the other side of that table shows essentially what I'm recommending to make this cheaper for you is that you are a little bit over insured in all areas.","start_word":4642,"end_word":4988,"sentiment":"neutral","sentiment_score":0.040903930565723425},{"text":"So to make sure you still have the right level of cover, but to maybe reduce the cost a little bit, we're recommending here that you do reduce your life and TBD down to the sum insured of 1,220,000. That still gives you the level of cover that you need in the event that something occurs, pays at your mortgage, and actually covers you for five years worth of income replacement. So we're looking at the top end of that. It just sort of juices the cost a little bit for you. And then with the income protection based on your current income amount and covering yourself for 70% of the monthly benefit, we're able to cover you for 11,773 on a monthly basis.","start_word":4989,"end_word":5112,"sentiment":"positive","sentiment_score":0.424446702003479},{"text":"We keep the four week waiting period. So if you were on a if you're unable to go to work in the short term, you just have to be off work for four weeks prior to making a claim and keeping the benefit period the same, so five years. And that means that if you're on a claim and you're off work, you, say, injure your back or you hurt yourself and you can't work for five years, the income protection claim can cover you for up to five years. At that five year mark, if you still can't go back to work, the claim will stop at that point. Okay? Yep. Yeah.","start_word":5113,"end_word":5225,"sentiment":"neutral","sentiment_score":-0.03174387291073799},{"text":"Essentially, it reduces your insurance premiums from the current of the insurer currently receiving 11,109 and 34<unk> down to 7,344 and 59<unk>.","start_word":5226,"end_word":5250,"sentiment":"positive","sentiment_score":0.3683804273605346},{"text":"It's important to note that you'd this is how much the insurer received.","start_word":5250,"end_word":5263,"sentiment":"neutral","sentiment_score":0.11364179104566574},{"text":"You actually receive a little bit of a discount for paying this out of your super fund.","start_word":5263,"end_word":5280,"sentiment":"positive","sentiment_score":0.3506692051887512},{"text":"So you'll see underneath that box, you've got the rebated amount. So for this year, for your insurance premiums, the total deducted Yes. from your super was 9,442 and 94<unk>. And if you look to reduce the cover whilst the insurer receives the 7,344 of the deducted amount from your super is $66,242. So you actually get a little bit of a 15% discount for paying out of super, which is nice.","start_word":5280,"end_word":5349,"sentiment":"neutral","sentiment_score":0.26626515984535215},{"text":"I wish we got those kinds of discounts all the time. Make it a little bit nicer on us all. It essentially means that you can reduce your cover back a little bit, keeping your cover with what you need, but not paying too much of the premiums there. And it saves you about 3,200 for the first year on your insurance premium. Essentially, if you decide to take on this recommendation, all we do is get you to sign the form to say you're happy to reduce that one.","start_word":5350,"end_word":5439,"sentiment":"positive","sentiment_score":0.5185725092887878},{"text":"We will put that in Yes. place. And because the insurance premiums are paid out of your super on a yearly basis, they'll essentially just refund back the difference between they'll work out essentially what they owe you, and they'll refund that back to your super fund for you. Okay? Yes. Alright. Yeah. Do you have any questions about any of that so far or at all? I think that that that that's straightforward. Yeah. That's okay. The other thing I do like to sort of show you is the difference, obviously, between not having any insurances. And, look, we don't want you to cancel them in any way, shape, or form, but it is important to note that, as I kinda mentioned before, your insurance premiums are paid out of your super fund. So there is an Yes. impact on the overall retirement figure, and your insurance premiums will just continue to get more and more expensive as you get older and as you get closer and closer to your retirement side of things. So if you go down to page number 23 for me, we've actually got under the outcomes a little bit, the projection table, exactly as it is for you that we looked at before, but it also has a Yes. third column, which has no insurances. And it just shows you that if you did not pay for insurances out of your super, the impact, the projection over the next five to ten years. And you can see that if you weren't paying insurance premiums, you could end up with more money in your super over the next five to ten years. So there is an impact on the overall amount you're expected to have at retirement because you are paying for those premiums out of super, albeit. It's a juggling act. It's about making sure that your super's working for you, but that you also can cover yourself and your family in the event that something happens. Is Yep. I'm looking at that. So about that about about 100 k difference, the recommended Yeah. between recommended and no insurance over a ten Yeah. year period. Absolutely. So I'll be it's not a huge difference at the moment, and we'll keep reviewing these with you. So every year of re review time, you and I will chat about the level of cover you have, what your mortgage Yeah. looks like, what your income looks like, whether you need that level of cover. Essentially, what you wanna sort of do and the way it realistically should work is that when you're younger, you have the higher level of cover, you have a higher mortgage, and a lower super balance. As your super balance increases, as you pay down your mortgage, we should be able to also decrease your insurance level. So by the time you get to retirement, you shouldn't realistically need that cover anymore. Okay. Yep. That makes Yeah. sense.","start_word":5440,"end_word":5934,"sentiment":"neutral","sentiment_score":0.0528049283181176},{"text":"Beautiful.","start_word":5935,"end_word":5935,"sentiment":"positive","sentiment_score":0.49056804180145264},{"text":"That is essentially everything I had to go through. It is a very simple advice document. Just looking at in retaining your super, making the switch of the investments, and also reducing your insurances. Now there are advantages, disadvantages, and risks involved. I have outlined those for you in that document there. What I probably suggest you do is you go back. Just have a review of the document, read the the different pages. Let me know if there are any different any additional questions there.","start_word":5936,"end_word":6021,"sentiment":"neutral","sentiment_score":0.14631181955337524},{"text":"If you are then happy to, you know, sign and take on board those recommendations, we'll get you to sign the Odoo sign and send it back to me, and my team will implement that for you.","start_word":6022,"end_word":6058,"sentiment":"positive","sentiment_score":0.3763870298862457},{"text":"I should also make make it known that with the advantages disadvantages risks involved, with the insurances, by decreasing the cover, it does save you money. You can quite clearly see that there. But it is important to note that at a later time, if you decide you wanna increase the insurances again, we have to reapply.","start_word":6059,"end_word":6115,"sentiment":"neutral","sentiment_score":0.05606156587600708},{"text":"And that could be because you get older, more expensive.","start_word":6116,"end_word":6125,"sentiment":"negative","sentiment_score":-0.3435938060283661},{"text":"If your health changes, it could be exclusions or loadings applied to the policy. So it's just a risk that we like to make sure you're aware of, albeit, you know, we sort of hope that you're not needing to increase later. Realistically, we should be able to decrease our insurances as we get older. So we, you know, need less cover and make our super balance grow faster. Okay. Alright. Yeah. Makes sense. Yeah. Yeah. Yeah. I I also had something separate, you know, to to to ask. Yeah. We're preparing for retirement. We're thinking of investing in an investment property in our house. Now we've been hearing, you know, capital gains tax that could change negative, you know, in Yeah. in in our gear Mhmm. room. Yeah. So so so wanted to hear what, you know, what you think. Should we be rushing to buy the property before these are legislated, these Mhmm. Yeah. changes? No. Yeah. It's Yeah. a really good question, Mariano. Very good question. And in all honesty, unfortunately, I would be suggesting right now you hold off. Having an investment property is absolutely a great way to be able to boost for retirement, either keeping the property and, you know, renting it out in retirement for additional income or just keeping it for a couple of years, having it grow and then sell it off to, you know, provide you with a nice big chunk of capital. It is a great way to do so.","start_word":6126,"end_word":6376,"sentiment":"neutral","sentiment_score":-0.01856776513159275},{"text":"However, in order to access negative gains now, you would have had to have owned that property prior to the budget night.","start_word":6377,"end_word":6398,"sentiment":"negative","sentiment_score":-0.3673100471496582},{"text":"So I would be suggesting you hold off for now. Let's look at it closer to when we know more. All of that legislation is currently going through parliament and being argued at the moment, Yes. and I think we should hold off. I've got a few other clients the same way, and I've suggested we hold off for now. Let's look at how this legislation looks like it's going to work so we understand which way is going to be best for you because negative gearing is a great tax strategy, and I Yeah. wouldn't want you to buy a property and then lose out on negative gearing if that's something that's important to you. So I would honestly suggest right now we hold off on buying an investment property. Let's just table it for a few months. We'll check-in any review time and see if there's any changes to the legislation or if there's any guidance on how that's going to go through. And then we can kind of look at you know, when we have a bit more clarity around what the legislation looks like and what the requirements are gonna be, then we can look at Yeah. how to help you and provide advice around that area. Okay? Okay. Yeah.","start_word":6399,"end_word":6612,"sentiment":"neutral","sentiment_score":-0.02318206230596265},{"text":"Sounds It's sounds a little sounds bit hard good. to answer that question at the moment.","start_word":6613,"end_word":6628,"sentiment":"negative","sentiment_score":-0.3913497924804687},{"text":"I'm so sorry. We don't know what's gonna happen until that legislation passes, but I I do think holding off for now because if the legislation passes, buying a new build home is going to work out generally better for most people. Whereas if the legislation doesn't pass, then we might be able to look at a preexisting home depending on what you need what you're after. Okay. Alright. Okay. Same. Yeah. That's okay. Is there any other questions or anything else that you might have for me at the moment? You're welcome to if anything pops up, let me know as well. Yeah. So, hypothetically, if I suppose Yeah. that I just have say, a 100 to invest over the next few years, where would Mhmm. it likely produce the greatest maybe long term, hopefully, after tax return? Could I contribute additional, you know, to my super contributions? Could they Yeah. be Yeah. buying Abs for, actually?","start_word":6629,"end_word":6786,"sentiment":"neutral","sentiment_score":0.02843648157542265},{"text":"absolutely, could it really just comes down to what's important to your goals? And I think if you've got that kind of money and wanna invest it, let's have another conversation about what your goals are and what you wanna achieve. Because, realistically, there's a couple of different options that you can take.","start_word":6787,"end_word":6839,"sentiment":"positive","sentiment_score":0.36555659770965576},{"text":"You can start with that money in neutral as a as a deposit towards buying, say, an investment property or paying down, you know, your current mortgage with that money and saving on interest on your mortgage, or you could invest it into your super and have that growing towards your retirement, or we can also look at investments outside of super.","start_word":6840,"end_word":6901,"sentiment":"neutral","sentiment_score":0.22389306128025055},{"text":"All of those have different rates of returns, and all of them can provide a great return in the long you know, the long term over the next couple of years. What it really comes down to is what's gonna provide you with the greatest benefit and what's gonna help you meet your goal.","start_word":6902,"end_word":6955,"sentiment":"positive","sentiment_score":0.57795250415802},{"text":"So it's about understanding, is your goal more about supplementing super?","start_word":6956,"end_word":6966,"sentiment":"neutral","sentiment_score":0.31555336713790894},{"text":"Is it about making your super grow to the highest amount and having as much tax free income in retirement as possible?","start_word":6967,"end_word":6988,"sentiment":"positive","sentiment_score":0.4787692725658417},{"text":"Is buying an investment property one of the most important things to you? Or is it that you wanna have it invested in another way outside of super?","start_word":6989,"end_word":7016,"sentiment":"neutral","sentiment_score":0.16240793466567993},{"text":"So it's about what your goal is, what you're wanting to achieve, and how we get you there. And that's one of the advice document is, a financial plan is. It's a road map to help you meet your goals, and we just adjust that road map as we move closer and closer to your goal.","start_word":7017,"end_word":7072,"sentiment":"positive","sentiment_score":0.4685521423816681},{"text":"Does that make sense?","start_word":7073,"end_word":7076,"sentiment":"neutral","sentiment_score":0.27512916922569275},{"text":"Yes. It makes sense.","start_word":7077,"end_word":7080,"sentiment":"positive","sentiment_score":0.3902705311775207},{"text":"Yeah. Ultimately, Yeah. the goal is when I retire, I don't want to check. I want to be comfortable financially.","start_word":7081,"end_word":7100,"sentiment":"neutral","sentiment_score":0.03761078044772148},{"text":"Absolutely. Absolutely. So, look, with that 100 of grand, think about what it is that you wanna see happen with that money.","start_word":7101,"end_word":7122,"sentiment":"positive","sentiment_score":0.3964821994304657},{"text":"Think about you know, have a look at your mortgage. See what you're paying on your mortgage.","start_word":7123,"end_word":7139,"sentiment":"neutral","sentiment_score":0.034210775047540665},{"text":"Because sometimes if you've got, you know, your mortgage and you're wanting to, you know, pay that off faster, putting it on your main primary mortgage is a good option. If you've got a higher interest rate, often paying that down helps you reduce the non tax deductible debt a little bit quicker. If you're just wanting to buy another investment property, we could always, you know, have it enough that account for the time being. You could utilize it towards that, Or adding in the super is not a bad idea as well. There are ways of contributing to super. It's just about working out essentially what you're wanting to achieve and how we get you there.","start_word":7140,"end_word":7257,"sentiment":"positive","sentiment_score":0.48867055773735046},{"text":"Which part of the road map is it important to? Okay. Alright. Yeah. Yeah. We'll A lot talk a about lot of that things sometime. to think about. Yeah. Absolutely. And, look, if you ever have questions, Mariano, matter what it is, you're welcome to give me a call. I can talk you through things. Yeah. Are you with that $100, is it some money that you've got sitting in an account somewhere, or is that money that you're coming into? It's it's money. I I that we put my wife and I put in an offset account. Again, it's our Okay. home loan. Yeah. Yep. Yep. So in an offset account for the moment is not a bad place to keep it. Essentially, think of your offset account as like an investment account. So the interest that you pay on your mortgage of, say, six or seven or 8% depending on what your interest rate is currently, If you put that $100 into your offset account, you're offsetting that the interest rate on your mortgage.","start_word":7258,"end_word":7433,"sentiment":"neutral","sentiment_score":0.13935226202011108},{"text":"So you're essentially getting a guaranteed rate of return.","start_word":7434,"end_word":7442,"sentiment":"positive","sentiment_score":0.3513280153274536},{"text":"So paying down Yep. your mortgage faster is not a bad way of doing it. If you're generally speaking, if you're looking to pay down the investment property over the main primary residence, we sort of suggest paying down the main primary residence first because that's nondeductible debt. You generally wanna pay off bad debt first, which is nontax deductible debt, and then pay off Yes. investment debt later on because you get tax deductions for having that debt.","start_word":7443,"end_word":7521,"sentiment":"neutral","sentiment_score":0.17154825375049929},{"text":"But, yeah, look, putting it in your offset account isn't a bad thing. If it's money that you and your wife have in your joint name, it is definitely worth having a chat to her and making sure she's comfortable with it being invested or moved off that because that can affect her as well.","start_word":7522,"end_word":7576,"sentiment":"positive","sentiment_score":0.4195553958415985},{"text":"Okay? Yep. Yep. No. We'll definitely we'll definitely talk about this. And when we do your annual review, I will make sure I ask you more about that $100, and we can talk more about whether we keep it there or whether you move it to something else. Okay?","start_word":7577,"end_word":7625,"sentiment":"neutral","sentiment_score":0.12468229234218596},{"text":"Alright. Thanks for that, Zaina. That's okay. Not a problem.","start_word":7626,"end_word":7635,"sentiment":"positive","sentiment_score":0.511317253112793},{"text":"That's basically everything I needed to go through. I will let you go back so you can have a bit of a read through it. Take some time, and let me know if there's any questions. If you ever have questions, you're not limited to one phone call a year. You can call me anytime you like, or you can let the guys know that you wanna have a chat, and I'll make time to catch up with you. In the meantime, I know your annual review is due a bit later in the year. I'm just gonna double check when that is due for you. It's It around would about be October. Sorry. yes. I'm looking I'm looking at my notes here. The the the last one, we had it on the October 13 last year. Yeah. Did you want me to do a catch up with you before October, or are you happy just for the next conversation to be in October? What would you like, Mariano? I think we can talk in October, as you have mentioned. If it happens Yeah. that I need to talk to you before then, I'll make an appointment.","start_word":7636,"end_word":7832,"sentiment":"neutral","sentiment_score":0.14073887467384338},{"text":"Absolutely. That's not a problem at all.","start_word":7833,"end_word":7839,"sentiment":"positive","sentiment_score":0.4537257552146912},{"text":"Okay. You got a lot Yeah. of work coming up. You'll be very busy for the next few weeks, so, hopefully, you get some downtime and some holidays. Yeah. We'll plan for that.","start_word":7840,"end_word":7872,"sentiment":"neutral","sentiment_score":0.013421447940565871},{"text":"Very good. All good. Well, look. I will let you go. I appreciate your time.","start_word":7873,"end_word":7887,"sentiment":"positive","sentiment_score":0.5472079515457153},{"text":"I know it's still early there. You're two hours ahead of me, so I hope you have a good afternoon and don't work too hard. And let me know if there's any questions that come out of that document. If you're happy just to make those changes, I'll get you to sign and return it back. If there is any part of the advice you don't do not wish to proceed with, on the very last page, there is a text box, and you can just write in that if there's something you do not wanna proceed with. Okay? Alright. No.","start_word":7888,"end_word":7988,"sentiment":"neutral","sentiment_score":0.06528966873884201},{"text":"Thanks, Diana, for your time as well. Oh, not a problem at all. It's been an absolute pleasure. I've really enjoyed putting the research together. You've also got lots of other fun documents attached, like the financial services guide. I've got PDF documents if you like having a bit of a read of things as well.","start_word":7989,"end_word":8044,"sentiment":"positive","sentiment_score":0.6007969975471497},{"text":"So you're welcome Yeah. to run your eyes over any of those if you want to. Okay. Alright.","start_word":8045,"end_word":8062,"sentiment":"neutral","sentiment_score":0.21516619622707367},{"text":"Thanks, No worries. You have a lovely evening, Mariano. Zaina. I can see it. Thank you.","start_word":8063,"end_word":8078,"sentiment":"positive","sentiment_score":0.5642920732498169},{"text":"I'll talk to you soon. See you later. Alright. Bye. Goodbye. Bye.","start_word":8079,"end_word":8090,"sentiment":"neutral","sentiment_score":0.2237064093351364}],"average":{"sentiment":"neutral","sentiment_score":0.14166569090193806}}}}