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I look I was looking forward to that chat, and it's all good and ready to go, mate. Have you got a bit of time for me? Perfect. I'll shoot through this email to you now just so we can look onto the documents. While that's coming through, I'll just quickly check security with you. Kitsch, are you okay for the call to be recorded? And just for the security of your information, so I'm registered with Asik as adviser 1273105. Could I please confirm your date of birth and address? Sensational. Now I have sent it through to your Gmail. Will you better look on to the advice document with me tonight? Perfect. Cool. Yeah. If you wanna take a minute to switch across, that's okay. No worries. No worries. K. And if you want, I can obviously just give you the cliff notes, give you some time to read through it, but there's mainly about four, five tables I wanna run through with you that are the main ones. If you can look onto the document with me, I'll kind of just go through it as I would normally do if I was sitting in front of you just so I can cover off on everything. So what's come through, if you open them up, you should see the beach Front City Gold Coast picture there for the statement of advice. Now I do apologize with most of these advice pieces. I've included all of the product update documents from the insurer and the super fund. So there are about eight documents on the email. The statement of advice is the main one. There's a few hub 24 and NEOS documents. There is a certificate of currency, some research appendix, and a service agreement as well. But if you swing down to pages three and four, you'll see the scope of advice for this particular document. Yep. So what we're essentially focusing on is the super review for the portfolio, the retirement goals, the contributions. We have factored in just a little bit of a reminder in terms of updating wills and powers of attorney for the estate plan and the premiums for the insurances, but we're obviously not giving you insurance advice right now until that next anniversary comes around. Cool. We're not giving advice for cash flow and debt management because, obviously, you're looking after that side of things, but I have just included in the goals, and we'll have that continual conversation with you on those topics. Cool. If you skim past there, you'll see a red heading for limited advice warning, and that's just letting you know that we're not covering everything in this document. If the information we have isn't accurate, it may not. It'll impact the recommendations. Now in terms of the about you section on pages seven and eight for your assets and liabilities, I factored in that updated income of around about the 153,000 that we were talking about. We've got your home investment property and vehicles listed, but, again, you're looking to sell that investment property as well. Perfect. If you swing past there, you'll see the Neos insurance cover for the life TPD and income protection followed by on page ten eleven, your risk profile still remaining as growth. Is your risk profile. So we're keeping you as a growth investor. Yep. If you go past there, you'll see a bit of a pie chart of what growth looks like, but the main page with most of the text is on page 12 under strategy recommendations. Yeah. So that would be essentially the benchmark. Correct. That's eight point one two at the moment for the five year average. Yep. I'll show you that performance table a little bit lower. Just pass the pie chart to the next blue heading. So to kind of summarize this page a little bit, we're not changing super funds at this point. We're keeping hub twenty four. We're changing the underlying investments. So an investment switch is essentially what we're doing, plus a rebalance of all the options to be back in line with where they should be. So the reasoning for that is the next two paragraphs where essentially Hub twenty four has enough investment options and features to facilitate your needs and what we're recommending. The underlying investment change, we're trying to improve your position over ten years. We're obviously not giving you a full retirement analysis because past ten years, it becomes a little bit inaccurate to do a projection for that long. But we do have that overarching goal that we're tracking together of that mortgage paid off 1,500 a week after tax, and we'll continue to refine that each year together. We've included here sorry, Kitch. Yep. So the main thing here in terms of the rationale is limit the investment fees. So there'll be when it says save $363 per annum, that's just based on the current balance because the fees are percentage based. So the bigger the balance grows, the more the fee savings will be from switching the investments. The one, three, five, and ten year returns are improved, and I've factored in a capital gains tax inside the super of about 225 for switching all the investments around. So that's factoring in all gains and losses and offsets, and you basically make that back within the first year just on the fee difference alone. K? Now it tends to repeat a lot of the same information in the next table on the next page. It just side by sides them in terms of advantages and disadvantages. So it includes the capital gains tax, performance, and fees. The difference that I need to point out is brokerage fees. So all of the investments that we have put in your portfolio, they are ETFs. So they're very, very cheap going forward, but you do pay a brokerage fee upfront to purchase them, which is around about 0.11%, which we factored in as well. Now one thing we can't estimate is the aggregated trading with hub twenty four. Again, when we place the trades, if anybody is selling what you're buying or buying what you're selling, it will switch the parcels without charging you a brokerage fee. So the brokerage fees tend to get minimized somewhere between zero to 80%. I can't estimate how much it'll be on the day, but I have seen it go well over half of the brokerage fees minimized with that feature. K? Hub 24 still has the most investment options, so it's just saying that overall, there'll be a slightly higher allocation to growth assets once we did all of the rebalancing as well. Yeah. So if you just swing down a little bit further, we'll show you in the tables the exact percentages for you. In terms of the risks and alternatives on the next page, they're usually just the same warnings about not being able to control the markets. Markets perform differently, no guarantees of performance, all that kind of thing. And depending on when we place the trades, the capital gains tax might be slightly different. The fee comparison table on page 15, if you can make out the figures in there. Yeah. So the one just after that. Yeah. Yep. That's right. Odoo would have it as 16. Yep. Perfect. So the difference column on the right hand side, we have factored in here a number of things. So the $2.25 is like your capital gains tax at the top. The investment fees, the $3.63 savings, that's two rows down. It'll say that the advice fees increased by $81, but that factors in the growth for that year, the improved growth, the contributions, and everything like that. And then I've included there if you maximize all of your salary sacrifice contributions to the cap minus the 15% tax. So 32,500 is the cap for the financial year. You include your employee contributions and salary sacrifice, which I've put in an estimate for the maximum, and they take out a 15% superannuation tax when the contributions go in. So the net contributions are a little bit lower than 32,500. Correct. Correct. That's net of the tax that'll be taken out of the contributions, but it won't be the impact to your take home pay. I've got a separate tax table for that. Is it yes. Correct. So what what I factored into this one is when it goes inside super, they take out 15% tax, so less will be invested. So for every $100.85 gets invested. But for your take home pay, they'll take it out before you get taxed and then tax you on the leftover. So for every $100 that goes in, it impacts you by $68 approximate. Correct. So slightly flip that. So if you put a $100 in, you will reduce your taxes by 30 two or whatever your percentage bracket is for that amount, and then you'll lose that leftover in the pay. So if you put a 100 in, it'll cost you 60 8, but you'll save 32 on tax. Perfect. There is a performance average at the bottom of that table. I'm just using the five year figure for this one, but all of the figures are on the next page for every performance period. Yep. Yes. Sorry. Say that last bit again? Yes. Oh, yep. Yep. And that's minus the 15% tax that they take inside the super fund. Correct. Yeah. So when you look at percentages, think of it this way. So when you think again of the $100, if you're getting taxed 32, 37%, you'll save that amount in your pay, but then they'll take 15% out of the super. So the net difference is $22.25, the difference between the two, but it's just separate periods. One's inside the super fund, one's in your pay. Yep. Yep. So you've got the five and ten year projection estimates. Correct. Yeah. That factors in the salary sacrifice contributions as well. Correct. Yep. I have included in the appendix a projection that counts no additional contributions just so you've got those figures there as well. We'll just go through these next few pages, and then I'll switch you across to the appendix. The performance table here, I've got the one, three, five, and ten years. Yep. So current versus recommended portfolio. Again, trying to hit that kind of double digits across all time periods was my goal in the updated portfolio. And you can see the sort of 6.8 to 9.9, 12 to fifteen, eight to ten, eleven to just under 13. Depends on what's happening in the world. So that's the funny thing about the data snapshots is if there has been a drop like COVID within the last five to six years, that'll impact that a lot more. So it depends on when you're chopping the data. Yeah. Factoring in essentially a decade gives you usually one or two market drops, and that gives you a nice average. Yes. Seven or eight years is to be expected. Yep. You got the .com in 2000, GFC in 2007, COVID, Greece and China Crisis in twenty fourteen, fifteen. It just goes on and on. Cool. Portfolio on the next page. So, again, apologies for the amount of figures in these tables, but this is the update that we're recommending. And the easiest way to understand it is the left hand column is the options. The second last column in the target weight, that is what we're recommending it goes to. Yeah. This will be the main one for for the glasses that I would recommend. No worries at all then. I apologize. Cool. So we discussed three main funds to possibly replace in the portfolio. I'm recommending five be updated. Yep. So we've got the battery tech and lithium, which is probably one of your best performers that I'm wanting to replace for the time being, is essentially just take the winnings while it's hot. Once you get, you know, return of 60 to a 100%, there's no point being greedy for the time being. It's something to it's always kept on the side to come back to. Once there's a pullback, we can jump back into it. The Bennelong was the main underperformer in the second row. The bank hybrids, which is again that type of term deposit that the government is phasing out, that one is being removed. We've got the gold allocation and a number of options underneath that, which are remaining, but are just being rebalanced back in line with where they should be. So from 8% to 10%, it really should be around that much for your alternative assets. So those ones that you can see from there are rebalanced but maintained. Yep. And then from here, these are the last two that are being removed, which is the property option, which as a reminder from our last conversation, these are property companies, which are doing quite poorly after the legislation changes for capital gains tax and negative gearing. The last one there so this one's just a little bit of a sidestep for you. So the Raffi Australia two hundred, that is essentially an index fund that tracks the Australian market. It was a sister funds to the Benelong. They were both investing in similar assets, but I'm just consolidating that into the bottom option, which is the bait Australia's Australia 200. Reason being is, again so reduced fees, improved performance, and we wanted to try a lower fee option for yours. But I also wanted to just, generally speaking, reduce your Australian allocation a little bit compared to the international side. Yep. So a few more satellites get added for Europe, Japan, and developing countries that exclude The US just to get you a bit more exposure to the areas that are doing a bit better economically than Australia is currently. Yeah. So that one excludes the US. Your US exposure is in the S and P 500. This one just gets you a few countries outside of The US. Yeah. So instead of the Raffy, which is at 16, and Bennelong, which is at 11, so instead of 27% Australia shares, we're going down to 20. A little bit of both. So some of them have a position for the future investments, which is the old world. That's more once manufacturing moves away from China to different industries, different countries, that will tend to pick up when their GDP increases. But when you look at, for example, like Japan and so on, they've actually had improved economic returns the last sort of year or two compared to where they were five and ten years ago. So we're sort of catching them mid rise, whereas the all world excluding The US, that is for future economic growth. None of them are at the top of a cycle where we're gonna invest at the top to have a crash. The closest thing to that would be the gold option, but that's already had enough of a pullback that it's a bit of a buying opportunity. Yep. Yep. No. At least, you know, how we talked about the volatility last conversation? Through the end of that, we'll still get a good average because we've got some diversification there. Normally, I run around about six to eight options in a portfolio. I'm adding a couple of extra ones on for you just to get a little bit more spread. And that way, it's not gonna be as sharp. Like, if I had you in just that, like, battery tech and lithium, for example, if that one industry goes under, then all of a sudden your super shoots down 5% just off that one satellite. Big impact. Just trying to minimize the impact a little bit. Yeah. Not just from the China side of things. Like you said, that's more long term. This is more developing nations that are in an economic growth. So that was just an example of it, but it's not just hinging on once China does this, then it'll go up. It'll be hinging on a lot of different countries growing as well. So it also what it does is not just the countries themselves. It follows companies around different areas. So it includes, like, Samsung, semiconductor manufacturers in Taiwan, a few different companies like that that are around the world. So they're kind of linked into the AI boom a little bit as well, and it's not just incumbent on, like, the, you know, African GDP or something like that. No. I haven't included any Nasdaq stocks for you or anything like that, anything tech heavy. It's if they become large companies within the index that you'll link to, you'll get exposure that way, but nothing directly linking into the hyperscalers or anything directly tech focused yet. Yeah. I think I tend to agree with that too. And and what I'm seeing when I talk fund managers and the investment committee is that when the hype blows something up that quickly, you tend to see a pretty large pullback. Even if it's fantastic in ten, twenty, thirty years' time, it'll just be sharp up, sharp declines. The closest thing that you've got to this is your cybersecurity side of things, which is obviously an area to improve when it comes to tech tech and AI. But I'm not comfortable throwing in a a tech stocks ETF into your portfolio given where you need to get as much growth in ten years as possible and not risk, you know, two years step back because of a bubble popping. I've got some clients who love the Nasdaq and love the tech stocks, and they're 35 and they wanna they reckon it's gonna go up 10 times, 10,000 times. That's great. That would not be responsible if I put your super into that. Yep. Cool. One other thing to point out was just the asset allocation you asked me before on the percentages. If you can just swing down two more pages, you'll see like a little cash table because we need to maintain the 1.25% within the hub, and then you've got your pie chart for your asset allocation. Yeah. That's fluctuates with all the transactions, contributions, buys and sells. So target weight is 1.25. When I rebalance it, it'll rebalance it, but it also automatically does it. So you will tend to get emails saying cash balance is low, investments that get sold down, contributions go in, and it tops itself back up. But this is basically where your cash balance was sitting when we did the research versus the long term average that we need to maintain. K. For that next table, the easiest way to see underneath that pie chart is it gives you the percentages of your risk profile just as an as an estimate. It gives you where it's sitting at and what we've proposed. The main thing to point out here is obviously a little bit of a reduction in the Australian equities from that 26, 27 to just under 20%. International is increasing a little bit. Alternatives are increasing a little bit. We're slightly increasing your growth allocation from about 81 to 85 is where this portfolio sits. Again, 80 to 90 is your band that it fluctuates between as the markets go up and down. So 85 is pretty much in the middle for a growth investor. Correct. K. Which column is that for? Sorry. Yes. Yes. There's no alternatives in your current portfolio or the proposed. We don't really use alternative defensive assets at the moment. No. So it's like a four out of five. It's the one below high risk, the one above medium. Above above middle. So if you think of a scale of five, you're sitting at a four, and it basically goes in bands of 10%. So 90 to a 100 is high growth, 80 to 90 is growth. That sort of 65 to 75 is balanced, 50 is around moderate, and conservative is below 50%. So if you're in pension phase, you'd probably have about 40 to 45% growth assets. No. So 90 to a 100 would be high growth. I advise staying within the 80 to 90. No. So, basically, in terms of time frame, like we were talking about, you've got that last sort of five to eight years to get as much growth out of it as possible without going excessive with the risk. And then, you know, how we set that benchmark of around about nine to 10%? Anytime that we get returns of twelve, fifteen, 18%, we're gonna use that as an opportunity to slowly reduce risk a little bit quicker. And if we're above benchmark, we'll reduce it. If we're below benchmark, we'll wait for it to catch back up and just make sure that once you get to the late fifties that you're not still sitting in a, you know, primarily growth focused portfolio. You wanna be sitting slightly lower every two to three years. But it'll basically have to be a twelve month conversation to see whether we should adjust the level of risk. Just bear in mind for one last hurrah, and this will be the biggest risk that you face, is if we were to experience this full stock market crash and economic depression this year or next year, we would almost kind of welcome it for you to happen soon so that you could use it as a buying opportunity with all of your contributions to salary sacrifice and buy as much as you can so that if we get a good five, six year run-in the markets, then you've got your retirement goal ticked, and we can pull you out. Yeah. It's like if there's another GFC, it was the greatest buying opportunity, especially for those who maintained an income or capital. Very, very difficult for a lot of people at that time. I know my parents had to sell homes and things like that. If there's anything worse than a GFC, Mad Max, World War three nuclear bombs, then the super is gone, and we won't even be able to connect on the phone. So that's probably a risk too far that we can even factor in. But, again, market drops are good buying opportunities if we can get them. My issue for you, Kij, is I don't want it to happen in four years' time when it's, like, a really bad sequencing risk. You don't wanna be having it happen when you're, like, four years out from retirement because it's that you're on that middle ground of, oh, I just wanna finish off the last couple of 100,000 of growth, but I also don't wanna lose 200,000 and have to delay retirement by two, three years. Yeah. So it's a pretty it's a serious decade for yourself. I I have a lot of fun with my job in building portfolios and discussions with clients. But at the end of the day, I do take it very seriously that what happens in the next five to ten years is gonna translate to your quality of life. And as long as we can have those discussions throughout the year, we will keep on top of it. And whenever something changes in the world, we'll discuss what can be done, what the options are. K. That pretty much ends the portfolio side of things. There was just one last table for the contribution taxes if you wanted to have a look at that before we switched. If you go two more pages, again, apologies for the amount of text on that contribution strategy, Just talking about amounts and everything to contribute. Yep. Yep. Any questions so far? So for five 38 of fortnight, it'll probably cost you around about a 165 in the pay. In terms of the lost income. So if you put $5.38 before tax, your take home pay will be reduced by about a 164 once all the tax has been included, and then that money goes into super, and then 15% gets taken out of it. So I like to just kind of split it between what's gonna impact your your next pay run versus what's gonna happen inside the super fund. Yep. You would be getting less. $5.38. That's $16.05. So if you put $5.38 before tax through the pay, through the salary sacrifice, you would lose $3.73 less in the pay. Yep. Wait. Let me grab that back up. 424323? Yep. And that's actually where we get our figures from is pay calculator. Yeah. It's brilliant. Yeah. Yeah. It's when they switched you over in June, July to fortnightly contributions, your salary sacrifice stopped. Yeah. Jeez. Yeah. Yeah. Yep. Yeah. Yeah. I remember you saying even the offset account's been depleted as well. Yeah. Yeah. Yeah. Well, to be honest, Kij, if you wanted to just leave that off for the remainder of the year and rebuild your savings, if you started to back up again in the new year, it wouldn't really hurt that much a couple of months. And if it means that much more to have a bit more of a buffer and a rainy day fund, then absolutely do that. Your retirement is not gonna hinge on two, three months of contributions. Yeah. Yep. Yeah. Look, that gives me a smile, Kitch. I'm gonna put that on the file and look look after yourselves. It's not it's not a fun position to be in these days, what's going on with the fuel and everything. And it it does feel a lot better to have a bit of savings. Even myself had a similar situation with having to foot the bill for all of the repairs and interest rate increases and the fuel and everything like that, and my savings went down too. Now that I've built it back up again, I feel a lot safer, a lot more comfortable. My wife is still fine. She goes to Myron. There's a discount there and buys the coffee machine, but overall, we're in a much better position. And, look, we spent, I think, eight months pausing all investments and just rebuilding the savings, and it made us feel a lot better. And now if the car breaks, I'm fine, and then investing resumes again. So, again, 100%, Build your savings up, and I will make sure that you still get to the goal regardless. That's one thing I haven't mentioned just yet is that ten year projection that I was talking about, that still tracks pretty well for the goal that we were speaking about, which is trying to get about 1,500 a week after tax with the mortgage paid off, you will easily be able to, at the age of 57, produce about a thousand a week from there. There'll be a few last years of getting your last few contributions and growth out of it. So your portion at this point should be able to produce around 1,100, 1,200 a week. And on top of that, the few 100, and you are on track. Alright. Happy with that so far? The best call with OP you've had to date. I'm I'm floored. Thank you very much for that. Yeah. I find it a bit better to have the visuals in front of me. I'm a bit of a whiteboard guy myself, and I think being able to look onto the tables makes a bit more sense. From there, mate, the rest of that is pretty much just reminders on why you should have updated wills and powers of attorney and everything up to date. I have factored in, of course, the commissions that we still get from Neos, the adviser service fees, if you're comfortable to remain a client for the time being, and implementation is very straightforward. If you can consent to this document once you've had a read and you're comfortable on a Friday, we do buy sell orders and can switch the investments for you. Yeah. You can take some time to read it. You don't have to send it to me today. You can do it tomorrow if you like. I have included the ongoing consent form with Hub, though, because it's expired with us. So I just need to make sure you're comfortable with our fees of the 1.1%, and the rest of those documents do not require signatures. They're just to keep on file. So if you haven't used this new system before, the statement of advice has a consent form to sign. The consent with hub twenty four has a signature. The rest of them, they get emailed to you as an attachment to keep, and that's like your certificate of insurance, the hub documents, the product disclosure documents. But, yes, once you're comfortable and we receive the document back signed, we'll put you in for the next investment switch. Yep. Yes. So the part that I'm not a 100% on is when you get to the bottom of it, it'll probably have, like, a begin button to start signing the statement of advice, but there should be a button there to say next document or even little arrows to flick between them to actually skip between each of the documents. Yep. And the next one is like a a forest looking picture. That's the appendix with the research in there with the other projection with no contributions in. 20 four. Yeah. Sorry. It's got a bit of a gray text above it for the appendix, but it says statement of advice, appendix two in very faint gray text. Apologies for that. And, yeah, so that's that lets you skip around. Correct. Yep. Yeah. Yeah. You can always just call up and ask a question, email, text, and we can go through any questions you have before we we touch anything. Just bear in mind, it does expire, the statements of advice. We can't have something signed nine months later kind of thing and actually implement it. So just bear in mind of an expiry on there. It's usually sixty days from the date of the document. And outside of that, I've got some notes in there to have a bit of a catch up with your next policy anniversary for the insurance, a bit of a New Year's catch up to see how the markets and portfolio have behaved. We have sort of touched on retirement goals and so on, and I can see that Minal's rollover has come through. So all of her advice has been implemented. We'll hold off on the contributions. Is there anything else that I can kind of help with, like, before Christmas time that I need to be aware of or let the team know? Yep. Yeah. Yeah. Yep. So perfect. I'm having a look at her portfolio at the moment, and everything looks new, up to date, quality. There's only just that term deposit option there that I may need to switch out in the new year, but everything else looks pretty good. No Ben and Loan. No property. Yeah. It's just that the bank hybrids is the only one that I can see. No. It's only about 8,000 in that one. And one of the things that's gonna happen is they've got an automatic rollover set that it will kind of switch out in January to sort of a different rating, a safer rating, but I'll have to keep an eye on possibly switching that one out with the same option that you've got. Cool. Yep. K. So what I'll do, I'll pencil on to the team mid October just to reach out to schedule a brief booking in, and then I can go through any updated touch points with yourself and get a bit of a Perfect. Alright. I'll let Michelle know to wait until you get back and then schedule that in for both of you guys. Alrighty. I'll leave that email with you, mate, but it's been an absolute pleasure. I told you my last call today would be great, and I was looking forward to it. It's always a pleasure, my friend. No. I finish in three minutes, so I'm gonna go see the kids, play some games, and thank you so much for your time. You too, kids. Cheers. 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evening, Kedge. It's Tommy here from. How are you doing? Oh, living the dream. It's a beautiful evening.\n\nLast call of the day. Who's not happy? I didn't. No. I'm having a great time.\n\nI look I was looking forward to that chat, and it's all good and ready to go, mate. Have you got a bit of time for me? Perfect. I'll shoot through this email to you now just so we can look onto the documents. While that's coming through, I'll just quickly check security with you.\n\nKitsch, are you okay for the call to be recorded? And just for the security of your information, so I'm registered with Asik as adviser 1273105. Could I please confirm your date of birth and address? Sensational. Now I have sent it through to your Gmail.\n\nWill you better look on to the advice document with me tonight? Perfect. Cool. Yeah. If you wanna take a minute to switch across, that's okay.\n\nNo worries. No worries. K. And if you want, I can obviously just give you the cliff notes, give you some time to read through it, but there's mainly about four, five tables I wanna run through with you that are the main ones. If you can look onto the document with me, I'll kind of just go through it as I would normally do if I was sitting in front of you just so I can cover off on everything.\n\nSo what's come through, if you open them up, you should see the beach Front City Gold Coast picture there for the statement of advice. Now I do apologize with most of these advice pieces. I've included all of the product update documents from the insurer and the super fund. So there are about eight documents on the email. The statement of advice is the main one.\n\nThere's a few hub 24 and NEOS documents. There is a certificate of currency, some research appendix, and a service agreement as well. But if you swing down to pages three and four, you'll see the scope of advice for this particular document. Yep. So what we're essentially focusing on is the super review for the portfolio, the retirement goals, the contributions.\n\nWe have factored in just a little bit of a reminder in terms of updating wills and powers of attorney for the estate plan and the premiums for the insurances, but we're obviously not giving you insurance advice right now until that next anniversary comes around. Cool. We're not giving advice for cash flow and debt management because, obviously, you're looking after that side of things, but I have just included in the goals, and we'll have that continual conversation with you on those topics. Cool. If you skim past there, you'll see a red heading for limited advice warning, and that's just letting you know that we're not covering everything in this document.\n\nIf the information we have isn't accurate, it may not. It'll impact the recommendations. Now in terms of the about you section on pages seven and eight for your assets and liabilities, I factored in that updated income of around about the 153,000 that we were talking about. We've got your home investment property and vehicles listed, but, again, you're looking to sell that investment property as well. Perfect.\n\nIf you swing past there, you'll see the Neos insurance cover for the life TPD and income protection followed by on page ten eleven, your risk profile still remaining as growth. Is your risk profile. So we're keeping you as a growth investor. Yep. If you go past there, you'll see a bit of a pie chart of what growth looks like, but the main page with most of the text is on page 12 under strategy recommendations.\n\nYeah. So that would be essentially the benchmark. Correct. That's eight point one two at the moment for the five year average. Yep.\n\nI'll show you that performance table a little bit lower. Just pass the pie chart to the next blue heading. So to kind of summarize this page a little bit, we're not changing super funds at this point. We're keeping hub twenty four. We're changing the underlying investments.\n\nSo an investment switch is essentially what we're doing, plus a rebalance of all the options to be back in line with where they should be. So the reasoning for that is the next two paragraphs where essentially Hub twenty four has enough investment options and features to facilitate your needs and what we're recommending. The underlying investment change, we're trying to improve your position over ten years. We're obviously not giving you a full retirement analysis because past ten years, it becomes a little bit inaccurate to do a projection for that long. But we do have that overarching goal that we're tracking together of that mortgage paid off 1,500 a week after tax, and we'll continue to refine that each year together.\n\nWe've included here sorry, Kitch. Yep. So the main thing here in terms of the rationale is limit the investment fees. So there'll be when it says save $363 per annum, that's just based on the current balance because the fees are percentage based. So the bigger the balance grows, the more the fee savings will be from switching the investments.\n\nThe one, three, five, and ten year returns are improved, and I've factored in a capital gains tax inside the super of about 225 for switching all the investments around. So that's factoring in all gains and losses and offsets, and you basically make that back within the first year just on the fee difference alone. K? Now it tends to repeat a lot of the same information in the next table on the next page. It just side by sides them in terms of advantages and disadvantages.\n\nSo it includes the capital gains tax, performance, and fees. The difference that I need to point out is brokerage fees. So all of the investments that we have put in your portfolio, they are ETFs. So they're very, very cheap going forward, but you do pay a brokerage fee upfront to purchase them, which is around about 0.11%, which we factored in as well. Now one thing we can't estimate is the aggregated trading with hub twenty four.\n\nAgain, when we place the trades, if anybody is selling what you're buying or buying what you're selling, it will switch the parcels without charging you a brokerage fee. So the brokerage fees tend to get minimized somewhere between zero to 80%. I can't estimate how much it'll be on the day, but I have seen it go well over half of the brokerage fees minimized with that feature. K? Hub 24 still has the most investment options, so it's just saying that overall, there'll be a slightly higher allocation to growth assets once we did all of the rebalancing as well.\n\nYeah. So if you just swing down a little bit further, we'll show you in the tables the exact percentages for you. In terms of the risks and alternatives on the next page, they're usually just the same warnings about not being able to control the markets. Markets perform differently, no guarantees of performance, all that kind of thing. And depending on when we place the trades, the capital gains tax might be slightly different.\n\nThe fee comparison table on page 15, if you can make out the figures in there. Yeah. So the one just after that. Yeah. Yep.\n\nThat's right. Odoo would have it as 16. Yep. Perfect. So the difference column on the right hand side, we have factored in here a number of things.\n\nSo the $2.25 is like your capital gains tax at the top. The investment fees, the $3.63 savings, that's two rows down. It'll say that the advice fees increased by $81, but that factors in the growth for that year, the improved growth, the contributions, and everything like that. And then I've included there if you maximize all of your salary sacrifice contributions to the cap minus the 15% tax. So 32,500 is the cap for the financial year.\n\nYou include your employee contributions and salary sacrifice, which I've put in an estimate for the maximum, and they take out a 15% superannuation tax when the contributions go in. So the net contributions are a little bit lower than 32,500. Correct. Correct. That's net of the tax that'll be taken out of the contributions, but it won't be the impact to your take home pay.\n\nI've got a separate tax table for that. Is it yes. Correct. So what what I factored into this one is when it goes inside super, they take out 15% tax, so less will be invested. So for every $100.85 gets invested.\n\nBut for your take home pay, they'll take it out before you get taxed and then tax you on the leftover. So for every $100 that goes in, it impacts you by $68 approximate. Correct. So slightly flip that. So if you put a $100 in, you will reduce your taxes by 30 two or whatever your percentage bracket is for that amount, and then you'll lose that leftover in the pay.\n\nSo if you put a 100 in, it'll cost you 60 8, but you'll save 32 on tax. Perfect. There is a performance average at the bottom of that table. I'm just using the five year figure for this one, but all of the figures are on the next page for every performance period. Yep.\n\nYes. Sorry. Say that last bit again? Yes. Oh, yep.\n\nYep. And that's minus the 15% tax that they take inside the super fund. Correct. Yeah. So when you look at percentages, think of it this way.\n\nSo when you think again of the $100, if you're getting taxed 32, 37%, you'll save that amount in your pay, but then they'll take 15% out of the super. So the net difference is $22.25, the difference between the two, but it's just separate periods. One's inside the super fund, one's in your pay. Yep. Yep.\n\nSo you've got the five and ten year projection estimates. Correct. Yeah. That factors in the salary sacrifice contributions as well. Correct.\n\nYep. I have included in the appendix a projection that counts no additional contributions just so you've got those figures there as well. We'll just go through these next few pages, and then I'll switch you across to the appendix. The performance table here, I've got the one, three, five, and ten years. Yep.\n\nSo current versus recommended portfolio. Again, trying to hit that kind of double digits across all time periods was my goal in the updated portfolio. And you can see the sort of 6.8 to 9.9, 12 to fifteen, eight to ten, eleven to just under 13. Depends on what's happening in the world. So that's the funny thing about the data snapshots is if there has been a drop like COVID within the last five to six years, that'll impact that a lot more.\n\nSo it depends on when you're chopping the data. Yeah. Factoring in essentially a decade gives you usually one or two market drops, and that gives you a nice average. Yes. Seven or eight years is to be expected.\n\nYep. You got the .com in 2000, GFC in 2007, COVID, Greece and China Crisis in twenty fourteen, fifteen. It just goes on and on. Cool. Portfolio on the next page.\n\nSo, again, apologies for the amount of figures in these tables, but this is the update that we're recommending. And the easiest way to understand it is the left hand column is the options. The second last column in the target weight, that is what we're recommending it goes to. Yeah. This will be the main one for for the glasses that I would recommend.\n\nNo worries at all then. I apologize. Cool. So we discussed three main funds to possibly replace in the portfolio. I'm recommending five be updated.\n\nYep. So we've got the battery tech and lithium, which is probably one of your best performers that I'm wanting to replace for the time being, is essentially just take the winnings while it's hot. Once you get, you know, return of 60 to a 100%, there's no point being greedy for the time being. It's something to it's always kept on the side to come back to. Once there's a pullback, we can jump back into it.\n\nThe Bennelong was the main underperformer in the second row. The bank hybrids, which is again that type of term deposit that the government is phasing out, that one is being removed. We've got the gold allocation and a number of options underneath that, which are remaining, but are just being rebalanced back in line with where they should be. So from 8% to 10%, it really should be around that much for your alternative assets. So those ones that you can see from there are rebalanced but maintained.\n\nYep. And then from here, these are the last two that are being removed, which is the property option, which as a reminder from our last conversation, these are property companies, which are doing quite poorly after the legislation changes for capital gains tax and negative gearing. The last one there so this one's just a little bit of a sidestep for you. So the Raffi Australia two hundred, that is essentially an index fund that tracks the Australian market. It was a sister funds to the Benelong.\n\nThey were both investing in similar assets, but I'm just consolidating that into the bottom option, which is the bait Australia's Australia 200. Reason being is, again so reduced fees, improved performance, and we wanted to try a lower fee option for yours. But I also wanted to just, generally speaking, reduce your Australian allocation a little bit compared to the international side. Yep. So a few more satellites get added for Europe, Japan, and developing countries that exclude The US just to get you a bit more exposure to the areas that are doing a bit better economically than Australia is currently.\n\nYeah. So that one excludes the US. Your US exposure is in the S and P 500. This one just gets you a few countries outside of The US. Yeah.\n\nSo instead of the Raffy, which is at 16, and Bennelong, which is at 11, so instead of 27% Australia shares, we're going down to 20. A little bit of both. So some of them have a position for the future investments, which is the old world. That's more once manufacturing moves away from China to different industries, different countries, that will tend to pick up when their GDP increases. But when you look at, for example, like Japan and so on, they've actually had improved economic returns the last sort of year or two compared to where they were five and ten years ago.\n\nSo we're sort of catching them mid rise, whereas the all world excluding The US, that is for future economic growth. None of them are at the top of a cycle where we're gonna invest at the top to have a crash. The closest thing to that would be the gold option, but that's already had enough of a pullback that it's a bit of a buying opportunity. Yep. Yep.\n\nNo. At least, you know, how we talked about the volatility last conversation? Through the end of that, we'll still get a good average because we've got some diversification there. Normally, I run around about six to eight options in a portfolio. I'm adding a couple of extra ones on for you just to get a little bit more spread.\n\nAnd that way, it's not gonna be as sharp. Like, if I had you in just that, like, battery tech and lithium, for example, if that one industry goes under, then all of a sudden your super shoots down 5% just off that one satellite. Big impact. Just trying to minimize the impact a little bit. Yeah.\n\nNot just from the China side of things. Like you said, that's more long term. This is more developing nations that are in an economic growth. So that was just an example of it, but it's not just hinging on once China does this, then it'll go up. It'll be hinging on a lot of different countries growing as well.\n\nSo it also what it does is not just the countries themselves. It follows companies around different areas. So it includes, like, Samsung, semiconductor manufacturers in Taiwan, a few different companies like that that are around the world. So they're kind of linked into the AI boom a little bit as well, and it's not just incumbent on, like, the, you know, African GDP or something like that. No.\n\nI haven't included any Nasdaq stocks for you or anything like that, anything tech heavy. It's if they become large companies within the index that you'll link to, you'll get exposure that way, but nothing directly linking into the hyperscalers or anything directly tech focused yet. Yeah. I think I tend to agree with that too. And and what I'm seeing when I talk fund managers and the investment committee is that when the hype blows something up that quickly, you tend to see a pretty large pullback.\n\nEven if it's fantastic in ten, twenty, thirty years' time, it'll just be sharp up, sharp declines. The closest thing that you've got to this is your cybersecurity side of things, which is obviously an area to improve when it comes to tech tech and AI. But I'm not comfortable throwing in a a tech stocks ETF into your portfolio given where you need to get as much growth in ten years as possible and not risk, you know, two years step back because of a bubble popping. I've got some clients who love the Nasdaq and love the tech stocks, and they're 35 and they wanna they reckon it's gonna go up 10 times, 10,000 times. That's great.\n\nThat would not be responsible if I put your super into that. Yep. Cool. One other thing to point out was just the asset allocation you asked me before on the percentages. If you can just swing down two more pages, you'll see like a little cash table because we need to maintain the 1.25% within the hub, and then you've got your pie chart for your asset allocation.\n\nYeah. That's fluctuates with all the transactions, contributions, buys and sells. So target weight is 1.25. When I rebalance it, it'll rebalance it, but it also automatically does it. So you will tend to get emails saying cash balance is low, investments that get sold down, contributions go in, and it tops itself back up.\n\nBut this is basically where your cash balance was sitting when we did the research versus the long term average that we need to maintain. K. For that next table, the easiest way to see underneath that pie chart is it gives you the percentages of your risk profile just as an as an estimate. It gives you where it's sitting at and what we've proposed. The main thing to point out here is obviously a little bit of a reduction in the Australian equities from that 26, 27 to just under 20%.\n\nInternational is increasing a little bit. Alternatives are increasing a little bit. We're slightly increasing your growth allocation from about 81 to 85 is where this portfolio sits. Again, 80 to 90 is your band that it fluctuates between as the markets go up and down. So 85 is pretty much in the middle for a growth investor.\n\nCorrect. K. Which column is that for? Sorry. Yes.\n\nYes. There's no alternatives in your current portfolio or the proposed. We don't really use alternative defensive assets at the moment. No. So it's like a four out of five.\n\nIt's the one below high risk, the one above medium. Above above middle. So if you think of a scale of five, you're sitting at a four, and it basically goes in bands of 10%. So 90 to a 100 is high growth, 80 to 90 is growth. That sort of 65 to 75 is balanced, 50 is around moderate, and conservative is below 50%.\n\nSo if you're in pension phase, you'd probably have about 40 to 45% growth assets. No. So 90 to a 100 would be high growth. I advise staying within the 80 to 90. No.\n\nSo, basically, in terms of time frame, like we were talking about, you've got that last sort of five to eight years to get as much growth out of it as possible without going excessive with the risk. And then, you know, how we set that benchmark of around about nine to 10%? Anytime that we get returns of twelve, fifteen, 18%, we're gonna use that as an opportunity to slowly reduce risk a little bit quicker. And if we're above benchmark, we'll reduce it. If we're below benchmark, we'll wait for it to catch back up and just make sure that once you get to the late fifties that you're not still sitting in a, you know, primarily growth focused portfolio.\n\nYou wanna be sitting slightly lower every two to three years. But it'll basically have to be a twelve month conversation to see whether we should adjust the level of risk. Just bear in mind for one last hurrah, and this will be the biggest risk that you face, is if we were to experience this full stock market crash and economic depression this year or next year, we would almost kind of welcome it for you to happen soon so that you could use it as a buying opportunity with all of your contributions to salary sacrifice and buy as much as you can so that if we get a good five, six year run-in the markets, then you've got your retirement goal ticked, and we can pull you out. Yeah. It's like if there's another GFC, it was the greatest buying opportunity, especially for those who maintained an income or capital.\n\nVery, very difficult for a lot of people at that time. I know my parents had to sell homes and things like that. If there's anything worse than a GFC, Mad Max, World War three nuclear bombs, then the super is gone, and we won't even be able to connect on the phone. So that's probably a risk too far that we can even factor in. But, again, market drops are good buying opportunities if we can get them.\n\nMy issue for you, Kij, is I don't want it to happen in four years' time when it's, like, a really bad sequencing risk. You don't wanna be having it happen when you're, like, four years out from retirement because it's that you're on that middle ground of, oh, I just wanna finish off the last couple of 100,000 of growth, but I also don't wanna lose 200,000 and have to delay retirement by two, three years. Yeah. So it's a pretty it's a serious decade for yourself. I I have a lot of fun with my job in building portfolios and discussions with clients.\n\nBut at the end of the day, I do take it very seriously that what happens in the next five to ten years is gonna translate to your quality of life. And as long as we can have those discussions throughout the year, we will keep on top of it. And whenever something changes in the world, we'll discuss what can be done, what the options are. K. That pretty much ends the portfolio side of things.\n\nThere was just one last table for the contribution taxes if you wanted to have a look at that before we switched. If you go two more pages, again, apologies for the amount of text on that contribution strategy, Just talking about amounts and everything to contribute. Yep. Yep. Any questions so far?\n\nSo for five 38 of fortnight, it'll probably cost you around about a 165 in the pay. In terms of the lost income. So if you put $5.38 before tax, your take home pay will be reduced by about a 164 once all the tax has been included, and then that money goes into super, and then 15% gets taken out of it. So I like to just kind of split it between what's gonna impact your your next pay run versus what's gonna happen inside the super fund. Yep.\n\nYou would be getting less. $5.38. That's $16.05. So if you put $5.38 before tax through the pay, through the salary sacrifice, you would lose $3.73 less in the pay. Yep.\n\nWait. Let me grab that back up. 424323? Yep. And that's actually where we get our figures from is pay calculator.\n\nYeah. It's brilliant. Yeah. Yeah. It's when they switched you over in June, July to fortnightly contributions, your salary sacrifice stopped.\n\nYeah. Jeez. Yeah. Yeah. Yep.\n\nYeah. Yeah. I remember you saying even the offset account's been depleted as well. Yeah. Yeah.\n\nYeah. Well, to be honest, Kij, if you wanted to just leave that off for the remainder of the year and rebuild your savings, if you started to back up again in the new year, it wouldn't really hurt that much a couple of months. And if it means that much more to have a bit more of a buffer and a rainy day fund, then absolutely do that. Your retirement is not gonna hinge on two, three months of contributions. Yeah.\n\nYep. Yeah. Look, that gives me a smile, Kitch. I'm gonna put that on the file and look look after yourselves. It's not it's not a fun position to be in these days, what's going on with the fuel and everything.\n\nAnd it it does feel a lot better to have a bit of savings. Even myself had a similar situation with having to foot the bill for all of the repairs and interest rate increases and the fuel and everything like that, and my savings went down too. Now that I've built it back up again, I feel a lot safer, a lot more comfortable. My wife is still fine. She goes to Myron.\n\nThere's a discount there and buys the coffee machine, but overall, we're in a much better position. And, look, we spent, I think, eight months pausing all investments and just rebuilding the savings, and it made us feel a lot better. And now if the car breaks, I'm fine, and then investing resumes again. So, again, 100%, Build your savings up, and I will make sure that you still get to the goal regardless. That's one thing I haven't mentioned just yet is that ten year projection that I was talking about, that still tracks pretty well for the goal that we were speaking about, which is trying to get about 1,500 a week after tax with the mortgage paid off, you will easily be able to, at the age of 57, produce about a thousand a week from there.\n\nThere'll be a few last years of getting your last few contributions and growth out of it. So your portion at this point should be able to produce around 1,100, 1,200 a week. And on top of that, the few 100, and you are on track. Alright. Happy with that so far?\n\nThe best call with OP you've had to date. I'm I'm floored. Thank you very much for that. Yeah. I find it a bit better to have the visuals in front of me.\n\nI'm a bit of a whiteboard guy myself, and I think being able to look onto the tables makes a bit more sense. From there, mate, the rest of that is pretty much just reminders on why you should have updated wills and powers of attorney and everything up to date. I have factored in, of course, the commissions that we still get from Neos, the adviser service fees, if you're comfortable to remain a client for the time being, and implementation is very straightforward. If you can consent to this document once you've had a read and you're comfortable on a Friday, we do buy sell orders and can switch the investments for you. Yeah.\n\nYou can take some time to read it. You don't have to send it to me today. You can do it tomorrow if you like. I have included the ongoing consent form with Hub, though, because it's expired with us. So I just need to make sure you're comfortable with our fees of the 1.1%, and the rest of those documents do not require signatures.\n\nThey're just to keep on file. So if you haven't used this new system before, the statement of advice has a consent form to sign. The consent with hub twenty four has a signature. The rest of them, they get emailed to you as an attachment to keep, and that's like your certificate of insurance, the hub documents, the product disclosure documents. But, yes, once you're comfortable and we receive the document back signed, we'll put you in for the next investment switch.\n\nYep. Yes. So the part that I'm not a 100% on is when you get to the bottom of it, it'll probably have, like, a begin button to start signing the statement of advice, but there should be a button there to say next document or even little arrows to flick between them to actually skip between each of the documents. Yep. And the next one is like a a forest looking picture.\n\nThat's the appendix with the research in there with the other projection with no contributions in. 20 four. Yeah. Sorry. It's got a bit of a gray text above it for the appendix, but it says statement of advice, appendix two in very faint gray text.\n\nApologies for that. And, yeah, so that's that lets you skip around. Correct. Yep. Yeah.\n\nYeah. You can always just call up and ask a question, email, text, and we can go through any questions you have before we we touch anything. Just bear in mind, it does expire, the statements of advice. We can't have something signed nine months later kind of thing and actually implement it. So just bear in mind of an expiry on there.\n\nIt's usually sixty days from the date of the document. And outside of that, I've got some notes in there to have a bit of a catch up with your next policy anniversary for the insurance, a bit of a New Year's catch up to see how the markets and portfolio have behaved. We have sort of touched on retirement goals and so on, and I can see that Minal's rollover has come through. So all of her advice has been implemented. We'll hold off on the contributions.\n\nIs there anything else that I can kind of help with, like, before Christmas time that I need to be aware of or let the team know? Yep. Yeah. Yeah. Yep.\n\nSo perfect. I'm having a look at her portfolio at the moment, and everything looks new, up to date, quality. There's only just that term deposit option there that I may need to switch out in the new year, but everything else looks pretty good. No Ben and Loan. No property.\n\nYeah. It's just that the bank hybrids is the only one that I can see. No. It's only about 8,000 in that one. And one of the things that's gonna happen is they've got an automatic rollover set that it will kind of switch out in January to sort of a different rating, a safer rating, but I'll have to keep an eye on possibly switching that one out with the same option that you've got.\n\nCool. Yep. K. So what I'll do, I'll pencil on to the team mid October just to reach out to schedule a brief booking in, and then I can go through any updated touch points with yourself and get a bit of a Perfect. Alright.\n\nI'll let Michelle know to wait until you get back and then schedule that in for both of you guys. Alrighty. I'll leave that email with you, mate, but it's been an absolute pleasure. I told you my last call today would be great, and I was looking forward to it. It's always a pleasure, my friend.\n\nNo. I finish in three minutes, so I'm gonna go see the kids, play some games, and thank you so much for your time. You too, kids. Cheers. Bye.","paragraphs":[{"sentences":[{"text":"Good evening, Kedge.","start":3.1999998,"end":4.24,"sentiment":"neutral","sentiment_score":0.2828425367673238},{"text":"It's Tommy here from.","start":4.24,"end":5.38,"sentiment":"neutral","sentiment_score":0.2235214225947857},{"text":"How are you doing?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.22943728417158127},{"text":"Oh, living the dream.","start":8.96,"end":9.76,"sentiment":"positive","sentiment_score":0.4011014625430107},{"text":"It's a beautiful evening.","start":9.76,"end":10.98,"sentiment":"positive","sentiment_score":0.5394158959388733}],"sentiment":"positive","sentiment_score":0.3380227300681566,"num_words":19,"start":3.1999998,"end":10.98},{"sentences":[{"text":"Last call of the day.","start":11.12,"end":12.32,"sentiment":"neutral","sentiment_score":-0.2716278463602066},{"text":"Who's not happy?","start":12.32,"end":13.155,"sentiment":"negative","sentiment_score":-0.5520045061906179},{"text":"I didn't.","start":23.075,"end":23.654999,"sentiment":"neutral","sentiment_score":-0.30521559715270996},{"text":"No.","start":23.875,"end":24.195,"sentiment":"neutral","sentiment_score":-0.03214551508426666},{"text":"I'm having a great time.","start":24.195,"end":25.154999,"sentiment":"positive","sentiment_score":0.40323978662490845}],"sentiment":"neutral","sentiment_score":-0.10253315791487694,"num_words":16,"start":11.12,"end":25.154999},{"sentences":[{"text":"I look I was looking forward to that chat, and it's all good and ready to go, mate.","start":25.154999,"end":30.07,"sentiment":"positive","sentiment_score":0.4099729967614015},{"text":"Have you got a bit of time for me?","start":30.29,"end":32.07,"sentiment":"neutral","sentiment_score":0.07622299177779092},{"text":"Perfect.","start":40.675,"end":40.995,"sentiment":"positive","sentiment_score":0.38986408710479736},{"text":"I'll shoot through this email to you now just so we can look onto the documents.","start":40.995,"end":44.774998,"sentiment":"neutral","sentiment_score":0.22285288199782372},{"text":"While that's coming through, I'll just quickly check security with you.","start":45.475,"end":49.895,"sentiment":"neutral","sentiment_score":0.04363312216644937}],"sentiment":"neutral","sentiment_score":0.22729082564738665,"num_words":55,"start":25.154999,"end":49.895},{"sentences":[{"text":"Kitsch, are you okay for the call to be recorded?","start":49.954998,"end":51.975,"sentiment":"neutral","sentiment_score":0.023690428026020525},{"text":"And just for the security of your information, so I'm registered with Asik as adviser 1273105.","start":55.350002,"end":60.87,"sentiment":"neutral","sentiment_score":0.04372792481444776},{"text":"Could I please confirm your date of birth and address?","start":60.87,"end":63.45,"sentiment":"neutral","sentiment_score":0.02744399569928646},{"text":"Sensational.","start":72.885,"end":73.385,"sentiment":"neutral","sentiment_score":-0.06225287914276123},{"text":"Now I have sent it through to your Gmail.","start":74.085,"end":76.905,"sentiment":"neutral","sentiment_score":-0.002075629929701487}],"sentiment":"neutral","sentiment_score":0.024566467082046944,"num_words":46,"start":49.954998,"end":76.905},{"sentences":[{"text":"Will you better look on to the advice document with me tonight?","start":77.125,"end":79.945,"sentiment":"neutral","sentiment_score":0.014153215723733107},{"text":"Perfect.","start":81.845,"end":82.345,"sentiment":"neutral","sentiment_score":0.09143906831741332},{"text":"Cool.","start":89.96,"end":90.46,"sentiment":"neutral","sentiment_score":0.05774794518947601},{"text":"Yeah.","start":98.535,"end":98.775,"sentiment":"neutral","sentiment_score":0.01467186026275158},{"text":"If you wanna take a minute to switch across, that's okay.","start":98.775,"end":101.915,"sentiment":"neutral","sentiment_score":0.013240242800252005}],"sentiment":"neutral","sentiment_score":0.018436158971431162,"num_words":26,"start":77.125,"end":101.915},{"sentences":[{"text":"No worries.","start":104.135,"end":104.875,"sentiment":"neutral","sentiment_score":0.012487320229411125},{"text":"No worries.","start":123.005,"end":123.585,"sentiment":"neutral","sentiment_score":-0.0257645845413208},{"text":"K.","start":127.565,"end":127.965,"sentiment":"neutral","sentiment_score":-0.01591193675994873},{"text":"And if you want, I can obviously just give you the cliff notes, give you some time to read through it, but there's mainly about four, five tables I wanna run through with you that are the main ones.","start":127.965,"end":136.59999,"sentiment":"neutral","sentiment_score":0.12634815476261652},{"text":"If you can look onto the document with me, I'll kind of just go through it as I would normally do if I was sitting in front of you just so I can cover off on everything.","start":138.34,"end":145.72,"sentiment":"neutral","sentiment_score":0.039325492456555367}],"sentiment":"neutral","sentiment_score":0.07827351594136821,"num_words":81,"start":104.135,"end":145.72},{"sentences":[{"text":"So what's come through, if you open them up, you should see the beach Front City Gold Coast picture there for the statement of advice.","start":146.34,"end":154.35501,"sentiment":"neutral","sentiment_score":0.1507231891155243},{"text":"Now I do apologize with most of these advice pieces.","start":156.015,"end":159.615,"sentiment":"neutral","sentiment_score":-0.1375296175479889},{"text":"I've included all of the product update documents from the insurer and the super fund.","start":159.615,"end":165.29,"sentiment":"neutral","sentiment_score":0.1581847329934438},{"text":"So there are about eight documents on the email.","start":165.35,"end":169.45,"sentiment":"neutral","sentiment_score":0.10799339579211341},{"text":"The statement of advice is the main one.","start":169.59,"end":171.59,"sentiment":"neutral","sentiment_score":0.13690123334527016}],"sentiment":"neutral","sentiment_score":0.10198067128658295,"num_words":67,"start":146.34,"end":171.59},{"sentences":[{"text":"There's a few hub 24 and NEOS documents.","start":171.59,"end":174.01,"sentiment":"neutral","sentiment_score":0.10025853104889393},{"text":"There is a certificate of currency, some research appendix, and a service agreement as well.","start":174.55,"end":179.82501,"sentiment":"neutral","sentiment_score":0.10901406606038412},{"text":"But if you swing down to pages three and four, you'll see the scope of advice for this particular document.","start":179.88501,"end":187.02501,"sentiment":"neutral","sentiment_score":0.07291848380118608},{"text":"Yep.","start":193.565,"end":194.01,"sentiment":"neutral","sentiment_score":0.11134615540504456},{"text":"So what we're essentially focusing on is the super review for the portfolio, the retirement goals, the contributions.","start":195.84999,"end":203.95,"sentiment":"neutral","sentiment_score":0.14701050685511696}],"sentiment":"neutral","sentiment_score":0.10730942248577072,"num_words":62,"start":171.59,"end":203.95},{"sentences":[{"text":"We have factored in just a little bit of a reminder in terms of updating wills and powers of attorney for the estate plan and the premiums for the insurances, but we're obviously not giving you insurance advice right now until that next anniversary comes around.","start":204.81,"end":221.445,"sentiment":"neutral","sentiment_score":-0.04168820466198351},{"text":"Cool.","start":223.265,"end":223.74,"sentiment":"neutral","sentiment_score":0.3006349205970764},{"text":"We're not giving advice for cash flow and debt management because, obviously, you're looking after that side of things, but I have just included in the goals, and we'll have that continual conversation with you on those topics.","start":224.22,"end":235.04001,"sentiment":"neutral","sentiment_score":-0.08385711790699708},{"text":"Cool.","start":236.78,"end":237.135,"sentiment":"neutral","sentiment_score":0.2920284867286682},{"text":"If you skim past there, you'll see a red heading for limited advice warning, and that's just letting you know that we're not covering everything in this document.","start":237.375,"end":245.795,"sentiment":"neutral","sentiment_score":-0.19757404936743633}],"sentiment":"neutral","sentiment_score":-0.08810208657789126,"num_words":114,"start":204.81,"end":245.795},{"sentences":[{"text":"If the information we have isn't accurate, it may not.","start":246.095,"end":249.235,"sentiment":"negative","sentiment_score":-0.49358944594860077},{"text":"It'll impact the recommendations.","start":249.295,"end":250.67499,"sentiment":"neutral","sentiment_score":-0.31325919926166534},{"text":"Now in terms of the about you section on pages seven and eight for your assets and liabilities, I factored in that updated income of around about the 153,000 that we were talking about.","start":254.04001,"end":265.18,"sentiment":"neutral","sentiment_score":0.011296654859667314},{"text":"We've got your home investment property and vehicles listed, but, again, you're looking to sell that investment property as well.","start":265.615,"end":274.51498,"sentiment":"neutral","sentiment_score":0.012701313849538565},{"text":"Perfect.","start":276.495,"end":276.995,"sentiment":"positive","sentiment_score":0.6272456645965576}],"sentiment":"neutral","sentiment_score":-0.07135613115531379,"num_words":69,"start":246.095,"end":276.995},{"sentences":[{"text":"If you swing past there, you'll see the Neos insurance cover for the life TPD and income protection followed by on page ten eleven, your risk profile still remaining as growth.","start":277.23,"end":288.37,"sentiment":"neutral","sentiment_score":0.12391091750994805},{"text":"Is your risk profile.","start":301.965,"end":303.36002,"sentiment":"neutral","sentiment_score":-0.004851928912103176},{"text":"So we're keeping you as a growth investor.","start":303.82,"end":305.68002,"sentiment":"neutral","sentiment_score":0.020405207993462682},{"text":"Yep.","start":308.46002,"end":308.96002,"sentiment":"neutral","sentiment_score":0.07179615646600723},{"text":"If you go past there, you'll see a bit of a pie chart of what growth looks like, but the main page with most of the text is on page 12 under strategy recommendations.","start":309.18002,"end":318.565,"sentiment":"neutral","sentiment_score":0.0355530958622694}],"sentiment":"neutral","sentiment_score":0.06750863854988264,"num_words":78,"start":277.23,"end":318.565},{"sentences":[{"text":"Yeah.","start":343.38498,"end":343.705,"sentiment":"neutral","sentiment_score":0.01661711558699608},{"text":"So that would be essentially the benchmark.","start":343.705,"end":345.485,"sentiment":"neutral","sentiment_score":-0.000665571540594101},{"text":"Correct.","start":354.185,"end":354.685,"sentiment":"neutral","sentiment_score":-0.03276143968105316},{"text":"That's eight point one two at the moment for the five year average.","start":361.64,"end":366.38,"sentiment":"neutral","sentiment_score":-0.0421154135121749},{"text":"Yep.","start":367.88,"end":368.2,"sentiment":"neutral","sentiment_score":0.006922587752342224}],"sentiment":"neutral","sentiment_score":-0.02440787446887597,"num_words":23,"start":343.38498,"end":368.2},{"sentences":[{"text":"I'll show you that performance table a little bit lower.","start":368.2,"end":370.695,"sentiment":"neutral","sentiment_score":-0.09117391593754291},{"text":"Just pass the pie chart to the next blue heading.","start":394.22998,"end":396.905,"sentiment":"neutral","sentiment_score":0.03457768689841032},{"text":"So to kind of summarize this page a little bit, we're not changing super funds at this point.","start":400.005,"end":406.005,"sentiment":"neutral","sentiment_score":-0.06805108984311421},{"text":"We're keeping hub twenty four.","start":406.005,"end":407.625,"sentiment":"neutral","sentiment_score":0.04902809364721179},{"text":"We're changing the underlying investments.","start":407.845,"end":409.865,"sentiment":"neutral","sentiment_score":0.09330480843782425}],"sentiment":"neutral","sentiment_score":-0.02248369577379587,"num_words":48,"start":368.2,"end":409.865},{"sentences":[{"text":"So an investment switch is essentially what we're doing, plus a rebalance of all the options to be back in line with where they should be.","start":410.54,"end":419.36002,"sentiment":"neutral","sentiment_score":0.18648998955121407},{"text":"So the reasoning for that is the next two paragraphs where essentially Hub twenty four has enough investment options and features to facilitate your needs and what we're recommending.","start":420.94,"end":431.025,"sentiment":"positive","sentiment_score":0.37619397969081486},{"text":"The underlying investment change, we're trying to improve your position over ten years.","start":432.925,"end":437.485,"sentiment":"neutral","sentiment_score":0.3221290730513059},{"text":"We're obviously not giving you a full retirement analysis because past ten years, it becomes a little bit inaccurate to do a projection for that long.","start":437.485,"end":445.78,"sentiment":"neutral","sentiment_score":-0.1661820886656642},{"text":"But we do have that overarching goal that we're tracking together of that mortgage paid off 1,500 a week after tax, and we'll continue to refine that each year together.","start":445.92,"end":457.245,"sentiment":"positive","sentiment_score":0.36925973097483317}],"sentiment":"neutral","sentiment_score":0.21534758639491855,"num_words":124,"start":410.54,"end":457.245},{"sentences":[{"text":"We've included here sorry, Kitch.","start":461.465,"end":464.845,"sentiment":"neutral","sentiment_score":-0.06551922727376222},{"text":"Yep.","start":474.03998,"end":474.53998,"sentiment":"neutral","sentiment_score":0.060432277619838715},{"text":"So the main thing here in terms of the rationale is limit the investment fees.","start":474.84,"end":482.865,"sentiment":"neutral","sentiment_score":0.05894848133126895},{"text":"So there'll be when it says save $363 per annum, that's just based on the current balance because the fees are percentage based.","start":483.425,"end":492.005,"sentiment":"neutral","sentiment_score":0.0864342428419901},{"text":"So the bigger the balance grows, the more the fee savings will be from switching the investments.","start":492.065,"end":496.72498,"sentiment":"neutral","sentiment_score":0.24361474899684682}],"sentiment":"neutral","sentiment_score":0.11059838818905295,"num_words":61,"start":461.465,"end":496.72498},{"sentences":[{"text":"The one, three, five, and ten year returns are improved, and I've factored in a capital gains tax inside the super of about 225 for switching all the investments around.","start":499.00998,"end":511.99,"sentiment":"neutral","sentiment_score":0.18450145622094472},{"text":"So that's factoring in all gains and losses and offsets, and you basically make that back within the first year just on the fee difference alone.","start":512.05,"end":520.17505,"sentiment":"neutral","sentiment_score":0.1308941778082114},{"text":"K?","start":524.79504,"end":525.29504,"sentiment":"neutral","sentiment_score":-0.029452374204993248},{"text":"Now it tends to repeat a lot of the same information in the next table on the next page.","start":525.35504,"end":530.06,"sentiment":"neutral","sentiment_score":-0.026745285740808436},{"text":"It just side by sides them in terms of advantages and disadvantages.","start":530.27997,"end":533.81995,"sentiment":"neutral","sentiment_score":-0.006441028788685799}],"sentiment":"neutral","sentiment_score":0.09458394501019608,"num_words":88,"start":499.00998,"end":533.81995},{"sentences":[{"text":"So it includes the capital gains tax, performance, and fees.","start":535.88,"end":540.13995,"sentiment":"neutral","sentiment_score":0.04614077880978584},{"text":"The difference that I need to point out is brokerage fees.","start":540.36,"end":544.065,"sentiment":"neutral","sentiment_score":0.0010065691206942904},{"text":"So all of the investments that we have put in your portfolio, they are ETFs.","start":545.025,"end":549.605,"sentiment":"neutral","sentiment_score":0.30421508848667145},{"text":"So they're very, very cheap going forward, but you do pay a brokerage fee upfront to purchase them, which is around about 0.11%, which we factored in as well.","start":549.985,"end":560.45996,"sentiment":"neutral","sentiment_score":0.32669916209475747},{"text":"Now one thing we can't estimate is the aggregated trading with hub twenty four.","start":562.83997,"end":569.57996,"sentiment":"neutral","sentiment_score":0.1851625426539353}],"sentiment":"neutral","sentiment_score":0.21648427434972947,"num_words":79,"start":535.88,"end":569.57996},{"sentences":[{"text":"Again, when we place the trades, if anybody is selling what you're buying or buying what you're selling, it will switch the parcels without charging you a brokerage fee.","start":569.72,"end":579.435,"sentiment":"neutral","sentiment_score":0.18182754953359737},{"text":"So the brokerage fees tend to get minimized somewhere between zero to 80%.","start":579.57495,"end":584.95496,"sentiment":"neutral","sentiment_score":0.19762084575799796},{"text":"I can't estimate how much it'll be on the day, but I have seen it go well over half of the brokerage fees minimized with that feature.","start":585.095,"end":593.62994,"sentiment":"neutral","sentiment_score":0.2456611336933242},{"text":"K?","start":595.76996,"end":596.26996,"sentiment":"neutral","sentiment_score":0.05174288898706436},{"text":"Hub 24 still has the most investment options, so it's just saying that overall, there'll be a slightly higher allocation to growth assets once we did all of the rebalancing as well.","start":596.64996,"end":607.785,"sentiment":"neutral","sentiment_score":0.16257828217931092}],"sentiment":"neutral","sentiment_score":0.19342322019385358,"num_words":102,"start":569.72,"end":607.785},{"sentences":[{"text":"Yeah.","start":617.06,"end":617.46,"sentiment":"neutral","sentiment_score":0.06480157375335693},{"text":"So if you just swing down a little bit further, we'll show you in the tables the exact percentages for you.","start":617.46,"end":622.68,"sentiment":"neutral","sentiment_score":0.08776741829656419},{"text":"In terms of the risks and alternatives on the next page, they're usually just the same warnings about not being able to control the markets.","start":624.18,"end":631.425,"sentiment":"neutral","sentiment_score":-0.1129615217447281},{"text":"Markets perform differently, no guarantees of performance, all that kind of thing.","start":632.20496,"end":636.125,"sentiment":"neutral","sentiment_score":-0.04806416124726335},{"text":"And depending on when we place the trades, the capital gains tax might be slightly different.","start":636.125,"end":641.01,"sentiment":"neutral","sentiment_score":-0.05660072201862931}],"sentiment":"neutral","sentiment_score":-0.031980028972029687,"num_words":75,"start":617.06,"end":641.01},{"sentences":[{"text":"The fee comparison table on page 15, if you can make out the figures in there.","start":644.59,"end":649.89,"sentiment":"neutral","sentiment_score":0.031418246449902654},{"text":"Yeah.","start":658.125,"end":658.36505,"sentiment":"neutral","sentiment_score":0.021221421658992767},{"text":"So the one just after that.","start":658.36505,"end":660.22504,"sentiment":"neutral","sentiment_score":0.00959557636330525},{"text":"Yeah.","start":668.05005,"end":668.37006,"sentiment":"neutral","sentiment_score":0.029283853247761726},{"text":"Yep.","start":668.37006,"end":668.61005,"sentiment":"neutral","sentiment_score":0.03091002069413662}],"sentiment":"neutral","sentiment_score":0.0256672278791666,"num_words":25,"start":644.59,"end":668.61005},{"sentences":[{"text":"That's right.","start":668.61005,"end":669.09,"sentiment":"neutral","sentiment_score":0.00881756260059774},{"text":"Odoo would have it as 16.","start":669.09,"end":670.55005,"sentiment":"neutral","sentiment_score":-0.0024146776025493937},{"text":"Yep.","start":676.53,"end":677.03,"sentiment":"neutral","sentiment_score":0.05336558073759079},{"text":"Perfect.","start":678.53,"end":679.03,"sentiment":"neutral","sentiment_score":0.0637756809592247},{"text":"So the difference column on the right hand side, we have factored in here a number of things.","start":679.09,"end":685.755,"sentiment":"neutral","sentiment_score":0.05750875878665182}],"sentiment":"neutral","sentiment_score":0.041265927837230265,"num_words":28,"start":668.61005,"end":685.755},{"sentences":[{"text":"So the $2.25 is like your capital gains tax at the top.","start":685.755,"end":689.135,"sentiment":"neutral","sentiment_score":0.08579846347371738},{"text":"The investment fees, the $3.63 savings, that's two rows down.","start":689.835,"end":695.38,"sentiment":"neutral","sentiment_score":0.14780474379658698},{"text":"It'll say that the advice fees increased by $81, but that factors in the growth for that year, the improved growth, the contributions, and everything like that.","start":695.88,"end":705.525,"sentiment":"positive","sentiment_score":0.3787930116609291},{"text":"And then I've included there if you maximize all of your salary sacrifice contributions to the cap minus the 15% tax.","start":705.765,"end":714.98505,"sentiment":"neutral","sentiment_score":0.21053035167001544},{"text":"So 32,500 is the cap for the financial year.","start":729.77997,"end":734.97504,"sentiment":"neutral","sentiment_score":0.054396622296836644}],"sentiment":"neutral","sentiment_score":0.223363889876423,"num_words":79,"start":685.755,"end":734.97504},{"sentences":[{"text":"You include your employee contributions and salary sacrifice, which I've put in an estimate for the maximum, and they take out a 15% superannuation tax when the contributions go in.","start":735.835,"end":748.54004,"sentiment":"neutral","sentiment_score":0.06602532838781675},{"text":"So the net contributions are a little bit lower than 32,500.","start":748.60004,"end":753.18,"sentiment":"neutral","sentiment_score":0.21267906373197382},{"text":"Correct.","start":763.735,"end":764.235,"sentiment":"neutral","sentiment_score":0.15361765027046204},{"text":"Correct.","start":772.855,"end":773.355,"sentiment":"neutral","sentiment_score":0.23015731573104856},{"text":"That's net of the tax that'll be taken out of the contributions, but it won't be the impact to your take home pay.","start":774.36005,"end":781.16003,"sentiment":"neutral","sentiment_score":0.036308541246082474}],"sentiment":"neutral","sentiment_score":0.08392577223253972,"num_words":66,"start":735.835,"end":781.16003},{"sentences":[{"text":"I've got a separate tax table for that.","start":781.16003,"end":783.34,"sentiment":"neutral","sentiment_score":-0.011731453880202025},{"text":"Is it yes.","start":787.56,"end":803.13,"sentiment":"neutral","sentiment_score":-0.09717726955811183},{"text":"Correct.","start":803.21,"end":803.71,"sentiment":"neutral","sentiment_score":0.16920723021030426},{"text":"So what what I factored into this one is when it goes inside super, they take out 15% tax, so less will be invested.","start":804.25,"end":811.55,"sentiment":"neutral","sentiment_score":0.07015776308253407},{"text":"So for every $100.85 gets invested.","start":811.77,"end":814.51,"sentiment":"neutral","sentiment_score":0.07890519127249718}],"sentiment":"neutral","sentiment_score":0.0462152679073846,"num_words":42,"start":781.16003,"end":814.51},{"sentences":[{"text":"But for your take home pay, they'll take it out before you get taxed and then tax you on the leftover.","start":814.73,"end":820.665,"sentiment":"neutral","sentiment_score":-0.042867444189531465},{"text":"So for every $100 that goes in, it impacts you by $68 approximate.","start":820.96497,"end":826.985,"sentiment":"neutral","sentiment_score":-0.02992908226755949},{"text":"Correct.","start":838.5,"end":838.74,"sentiment":"neutral","sentiment_score":0.32657283544540405},{"text":"So slightly flip that.","start":838.74,"end":840.5,"sentiment":"neutral","sentiment_score":0.24680230766534805},{"text":"So if you put a $100 in, you will reduce your taxes by 30 two or whatever your percentage bracket is for that amount, and then you'll lose that leftover in the pay.","start":840.5,"end":852.06494,"sentiment":"neutral","sentiment_score":0.1260129509098602}],"sentiment":"neutral","sentiment_score":0.05809604234269096,"num_words":72,"start":814.73,"end":852.06494},{"sentences":[{"text":"So if you put a 100 in, it'll cost you 60 8, but you'll save 32 on tax.","start":852.20496,"end":857.19,"sentiment":"neutral","sentiment_score":0.13635064082013237},{"text":"Perfect.","start":861.35,"end":861.85,"sentiment":"positive","sentiment_score":0.6525033712387085},{"text":"There is a performance average at the bottom of that table.","start":862.55,"end":866.41,"sentiment":"neutral","sentiment_score":0.30190519853071734},{"text":"I'm just using the five year figure for this one, but all of the figures are on the next page for every performance period.","start":866.71,"end":873.515,"sentiment":"neutral","sentiment_score":0.19047181867063046},{"text":"Yep.","start":882.455,"end":882.955,"sentiment":"neutral","sentiment_score":0.1279435157775879}],"sentiment":"neutral","sentiment_score":0.20230980461294001,"num_words":55,"start":852.20496,"end":882.955},{"sentences":[{"text":"Yes.","start":902.32495,"end":902.82495,"sentiment":"neutral","sentiment_score":0.05174499750137329},{"text":"Sorry.","start":911.66003,"end":911.9,"sentiment":"neutral","sentiment_score":-0.009335869923233986},{"text":"Say that last bit again?","start":911.9,"end":913.04004,"sentiment":"neutral","sentiment_score":-0.01729319542646408},{"text":"Yes.","start":921.74,"end":922.24,"sentiment":"neutral","sentiment_score":0.04082714021205902},{"text":"Oh, yep.","start":931.36505,"end":931.84503,"sentiment":"neutral","sentiment_score":0.04806548357009888}],"sentiment":"neutral","sentiment_score":0.009290125779807567,"num_words":10,"start":902.32495,"end":931.84503},{"sentences":[{"text":"Yep.","start":931.84503,"end":932.245,"sentiment":"neutral","sentiment_score":0.06406799703836441},{"text":"And that's minus the 15% tax that they take inside the super fund.","start":932.245,"end":936.825,"sentiment":"neutral","sentiment_score":0.03490197572570581},{"text":"Correct.","start":942.66,"end":943.16,"sentiment":"neutral","sentiment_score":0.1029776930809021},{"text":"Yeah.","start":946.98,"end":947.48,"sentiment":"neutral","sentiment_score":0.08297184109687805},{"text":"So when you look at percentages, think of it this way.","start":947.54,"end":949.86,"sentiment":"neutral","sentiment_score":0.06801276247609746}],"sentiment":"neutral","sentiment_score":0.053773466773607115,"num_words":27,"start":931.84503,"end":949.86},{"sentences":[{"text":"So when you think again of the $100, if you're getting taxed 32, 37%, you'll save that amount in your pay, but then they'll take 15% out of the super.","start":949.86,"end":963.11,"sentiment":"neutral","sentiment_score":0.07700883733729522},{"text":"So the net difference is $22.25, the difference between the two, but it's just separate periods.","start":963.25,"end":970.47,"sentiment":"neutral","sentiment_score":0.060650400759186596},{"text":"One's inside the super fund, one's in your pay.","start":970.69,"end":973.19,"sentiment":"neutral","sentiment_score":0.01682664009018077},{"text":"Yep.","start":976.05,"end":976.365,"sentiment":"positive","sentiment_score":0.3495042324066162},{"text":"Yep.","start":980.52496,"end":980.925,"sentiment":"neutral","sentiment_score":0.07391669601202011}],"sentiment":"neutral","sentiment_score":0.06764091616659834,"num_words":57,"start":949.86,"end":980.925},{"sentences":[{"text":"So you've got the five and ten year projection estimates.","start":980.925,"end":984.385,"sentiment":"neutral","sentiment_score":0.05108851194381714},{"text":"Correct.","start":996.78,"end":997.28,"sentiment":"neutral","sentiment_score":0.0993967354297638},{"text":"Yeah.","start":997.74,"end":998.24,"sentiment":"neutral","sentiment_score":0.08428863435983658},{"text":"That factors in the salary sacrifice contributions as well.","start":1007.725,"end":1012.065,"sentiment":"neutral","sentiment_score":0.03490525484085083},{"text":"Correct.","start":1017.565,"end":1018.065,"sentiment":"neutral","sentiment_score":0.07925879955291748}],"sentiment":"neutral","sentiment_score":0.04945348101583394,"num_words":22,"start":980.925,"end":1018.065},{"sentences":[{"text":"Yep.","start":1018.96,"end":1019.46,"sentiment":"neutral","sentiment_score":0.060762546956539154},{"text":"I have included in the appendix a projection that counts no additional contributions just so you've got those figures there as well.","start":1020.72003,"end":1028.98,"sentiment":"neutral","sentiment_score":0.1400754754854874},{"text":"We'll just go through these next few pages, and then I'll switch you across to the appendix.","start":1039.455,"end":1044.355,"sentiment":"neutral","sentiment_score":0.03761296412524055},{"text":"The performance table here, I've got the one, three, five, and ten years.","start":1046.79,"end":1050.73,"sentiment":"neutral","sentiment_score":0.06811351099839577},{"text":"Yep.","start":1056.0701,"end":1056.5701,"sentiment":"neutral","sentiment_score":0.07938359677791595}],"sentiment":"neutral","sentiment_score":0.08790190069487801,"num_words":54,"start":1018.96,"end":1056.5701},{"sentences":[{"text":"So current versus recommended portfolio.","start":1056.63,"end":1059.13,"sentiment":"neutral","sentiment_score":0.03448327258229256},{"text":"Again, trying to hit that kind of double digits across all time periods was my goal in the updated portfolio.","start":1059.795,"end":1065.8151,"sentiment":"neutral","sentiment_score":0.07270953254774212},{"text":"And you can see the sort of 6.8 to 9.9, 12 to fifteen, eight to ten, eleven to just under 13.","start":1070.995,"end":1078.02,"sentiment":"neutral","sentiment_score":0.027015876202356248},{"text":"Depends on what's happening in the world.","start":1085.36,"end":1087.155,"sentiment":"neutral","sentiment_score":-0.08914226932185036},{"text":"So that's the funny thing about the data snapshots is if there has been a drop like COVID within the last five to six years, that'll impact that a lot more.","start":1087.395,"end":1096.595,"sentiment":"neutral","sentiment_score":-0.09355125540206509}],"sentiment":"neutral","sentiment_score":-0.01583505224525219,"num_words":84,"start":1056.63,"end":1096.595},{"sentences":[{"text":"So it depends on when you're chopping the data.","start":1096.595,"end":1099.17,"sentiment":"neutral","sentiment_score":-0.0854555285639233},{"text":"Yeah.","start":1104.05,"end":1104.55,"sentiment":"neutral","sentiment_score":0.010070614516735075},{"text":"Factoring in essentially a decade gives you usually one or two market drops, and that gives you a nice average.","start":1105.7301,"end":1111.965,"sentiment":"neutral","sentiment_score":0.020398307591676712},{"text":"Yes.","start":1120.605,"end":1121.085,"sentiment":"neutral","sentiment_score":-0.031683482229709625},{"text":"Seven or eight years is to be expected.","start":1121.085,"end":1122.7849,"sentiment":"neutral","sentiment_score":-0.06637396849691868}],"sentiment":"neutral","sentiment_score":-0.023429185152053833,"num_words":39,"start":1096.595,"end":1122.7849},{"sentences":[{"text":"Yep.","start":1124.845,"end":1125.18,"sentiment":"neutral","sentiment_score":0.03143325075507164},{"text":"You got the .com in 2000, GFC in 2007, COVID, Greece and China Crisis in twenty fourteen, fifteen.","start":1125.18,"end":1132.8,"sentiment":"neutral","sentiment_score":0.004266408763618933},{"text":"It just goes on and on.","start":1133.42,"end":1134.88,"sentiment":"neutral","sentiment_score":0.013065330063303312},{"text":"Cool.","start":1137.1001,"end":1137.555,"sentiment":"neutral","sentiment_score":0.2564394176006317},{"text":"Portfolio on the next page.","start":1138.755,"end":1140.935,"sentiment":"neutral","sentiment_score":0.0639423705637455}],"sentiment":"neutral","sentiment_score":0.024605543848367467,"num_words":31,"start":1124.845,"end":1140.935},{"sentences":[{"text":"So, again, apologies for the amount of figures in these tables, but this is the update that we're recommending.","start":1141.0751,"end":1146.935,"sentiment":"neutral","sentiment_score":0.01402412796098935},{"text":"And the easiest way to understand it is the left hand column is the options.","start":1148.275,"end":1153.255,"sentiment":"neutral","sentiment_score":0.058437495430310564},{"text":"The second last column in the target weight, that is what we're recommending it goes to.","start":1153.77,"end":1160.03,"sentiment":"neutral","sentiment_score":0.02854613319505006},{"text":"Yeah.","start":1168.01,"end":1168.51,"sentiment":"neutral","sentiment_score":0.06354986131191254},{"text":"This will be the main one for for the glasses that I would recommend.","start":1168.595,"end":1172.295,"sentiment":"neutral","sentiment_score":0.10189357878906387}],"sentiment":"neutral","sentiment_score":0.04753567627989329,"num_words":65,"start":1141.0751,"end":1172.295},{"sentences":[{"text":"No worries at all then.","start":1188.29,"end":1189.17,"sentiment":"neutral","sentiment_score":-0.0555915355682373},{"text":"I apologize.","start":1189.17,"end":1189.75,"sentiment":"neutral","sentiment_score":-0.1323133036494255},{"text":"Cool.","start":1199.425,"end":1199.745,"sentiment":"neutral","sentiment_score":0.1652674376964569},{"text":"So we discussed three main funds to possibly replace in the portfolio.","start":1199.745,"end":1206.485,"sentiment":"neutral","sentiment_score":0.08204782412697871},{"text":"I'm recommending five be updated.","start":1209.55,"end":1212.05,"sentiment":"neutral","sentiment_score":0.08471258580684662}],"sentiment":"neutral","sentiment_score":0.04123279884457588,"num_words":25,"start":1188.29,"end":1212.05},{"sentences":[{"text":"Yep.","start":1214.51,"end":1215.01,"sentiment":"neutral","sentiment_score":0.18507693707942963},{"text":"So we've got the battery tech and lithium, which is probably one of your best performers that I'm wanting to replace for the time being, is essentially just take the winnings while it's hot.","start":1215.63,"end":1228.195,"sentiment":"neutral","sentiment_score":0.25298404781257405},{"text":"Once you get, you know, return of 60 to a 100%, there's no point being greedy for the time being.","start":1228.335,"end":1233.955,"sentiment":"neutral","sentiment_score":0.11496249735355377},{"text":"It's something to it's always kept on the side to come back to.","start":1234.335,"end":1237.88,"sentiment":"neutral","sentiment_score":0.06887268217710349},{"text":"Once there's a pullback, we can jump back into it.","start":1237.88,"end":1240.3,"sentiment":"neutral","sentiment_score":0.055041099432855844}],"sentiment":"neutral","sentiment_score":0.16066077400524265,"num_words":78,"start":1214.51,"end":1240.3},{"sentences":[{"text":"The Bennelong was the main underperformer in the second row.","start":1240.68,"end":1244.54,"sentiment":"neutral","sentiment_score":0.2404809907078743},{"text":"The bank hybrids, which is again that type of term deposit that the government is phasing out, that one is being removed.","start":1246.12,"end":1253.035,"sentiment":"neutral","sentiment_score":-0.06102719428864392},{"text":"We've got the gold allocation and a number of options underneath that, which are remaining, but are just being rebalanced back in line with where they should be.","start":1255.015,"end":1265.52,"sentiment":"neutral","sentiment_score":0.216213408857584},{"text":"So from 8% to 10%, it really should be around that much for your alternative assets.","start":1265.52,"end":1271.46,"sentiment":"neutral","sentiment_score":0.2584313312545419},{"text":"So those ones that you can see from there are rebalanced but maintained.","start":1271.76,"end":1276.42,"sentiment":"neutral","sentiment_score":0.15479567245795176}],"sentiment":"neutral","sentiment_score":0.1490273272221008,"num_words":89,"start":1240.68,"end":1276.42},{"sentences":[{"text":"Yep.","start":1285.795,"end":1286.295,"sentiment":"neutral","sentiment_score":0.06590433418750763},{"text":"And then from here, these are the last two that are being removed, which is the property option, which as a reminder from our last conversation, these are property companies, which are doing quite poorly after the legislation changes for capital gains tax and negative gearing.","start":1291.075,"end":1308.945,"sentiment":"neutral","sentiment_score":-0.2589584064022031},{"text":"The last one there so this one's just a little bit of a sidestep for you.","start":1310.9249,"end":1314.445,"sentiment":"neutral","sentiment_score":-0.0261609626468271},{"text":"So the Raffi Australia two hundred, that is essentially an index fund that tracks the Australian market.","start":1314.445,"end":1323.03,"sentiment":"neutral","sentiment_score":0.0468955808045233},{"text":"It was a sister funds to the Benelong.","start":1323.73,"end":1326.15,"sentiment":"neutral","sentiment_score":0.04100608918815851}],"sentiment":"neutral","sentiment_score":-0.12658504744864663,"num_words":88,"start":1285.795,"end":1326.15},{"sentences":[{"text":"They were both investing in similar assets, but I'm just consolidating that into the bottom option, which is the bait Australia's Australia 200.","start":1326.29,"end":1335.9349,"sentiment":"neutral","sentiment_score":0.07361907009845195},{"text":"Reason being is, again so reduced fees, improved performance, and we wanted to try a lower fee option for yours.","start":1338.235,"end":1345.455,"sentiment":"neutral","sentiment_score":0.21730912961065768},{"text":"But I also wanted to just, generally speaking, reduce your Australian allocation a little bit compared to the international side.","start":1345.995,"end":1353.43,"sentiment":"neutral","sentiment_score":0.023879263363778592},{"text":"Yep.","start":1356.85,"end":1357.17,"sentiment":"neutral","sentiment_score":0.06889693439006805},{"text":"So a few more satellites get added for Europe, Japan, and developing countries that exclude The US just to get you a bit more exposure to the areas that are doing a bit better economically than Australia is currently.","start":1357.17,"end":1370.645,"sentiment":"neutral","sentiment_score":0.05540983999768893}],"sentiment":"neutral","sentiment_score":0.08492123462187434,"num_words":103,"start":1326.29,"end":1370.645},{"sentences":[{"text":"Yeah.","start":1382.61,"end":1382.77,"sentiment":"neutral","sentiment_score":0.006735265254974365},{"text":"So that one excludes the US.","start":1382.77,"end":1384.71,"sentiment":"neutral","sentiment_score":-0.03618894765774409},{"text":"Your US exposure is in the S and P 500.","start":1384.85,"end":1387.59,"sentiment":"neutral","sentiment_score":-0.022423337399959564},{"text":"This one just gets you a few countries outside of The US.","start":1387.73,"end":1390.485,"sentiment":"neutral","sentiment_score":0.055053317143271364},{"text":"Yeah.","start":1404.725,"end":1405.17,"sentiment":"neutral","sentiment_score":0.07194893062114716}],"sentiment":"neutral","sentiment_score":0.009931898054977259,"num_words":30,"start":1382.61,"end":1405.17},{"sentences":[{"text":"So instead of the Raffy, which is at 16, and Bennelong, which is at 11, so instead of 27% Australia shares, we're going down to 20.","start":1405.41,"end":1413.5901,"sentiment":"neutral","sentiment_score":0.021803128595750492},{"text":"A little bit of both.","start":1429.86,"end":1439.7999,"sentiment":"neutral","sentiment_score":0.000738602876663208},{"text":"So some of them have a position for the future investments, which is the old world.","start":1440.02,"end":1446.525,"sentiment":"neutral","sentiment_score":0.012760886456817389},{"text":"That's more once manufacturing moves away from China to different industries, different countries, that will tend to pick up when their GDP increases.","start":1446.665,"end":1456.205,"sentiment":"neutral","sentiment_score":-0.02939090845377549},{"text":"But when you look at, for example, like Japan and so on, they've actually had improved economic returns the last sort of year or two compared to where they were five and ten years ago.","start":1456.65,"end":1465.93,"sentiment":"neutral","sentiment_score":0.21754684980426517}],"sentiment":"neutral","sentiment_score":0.07345616561804144,"num_words":105,"start":1405.41,"end":1465.93},{"sentences":[{"text":"So we're sort of catching them mid rise, whereas the all world excluding The US, that is for future economic growth.","start":1465.93,"end":1473.785,"sentiment":"neutral","sentiment_score":0.08035826505649657},{"text":"None of them are at the top of a cycle where we're gonna invest at the top to have a crash.","start":1477.045,"end":1481.145,"sentiment":"negative","sentiment_score":-0.4199243485927582},{"text":"The closest thing to that would be the gold option, but that's already had enough of a pullback that it's a bit of a buying opportunity.","start":1482.7251,"end":1488.62,"sentiment":"neutral","sentiment_score":-0.17785296546152005},{"text":"Yep.","start":1497.16,"end":1497.375,"sentiment":"neutral","sentiment_score":0.03548263758420944},{"text":"Yep.","start":1522.64,"end":1523.14,"sentiment":"neutral","sentiment_score":-0.06052292510867119}],"sentiment":"neutral","sentiment_score":-0.16828721633979252,"num_words":70,"start":1465.93,"end":1523.14},{"sentences":[{"text":"No.","start":1524.3201,"end":1524.795,"sentiment":"neutral","sentiment_score":-0.3130442202091217},{"text":"At least, you know, how we talked about the volatility last conversation?","start":1524.9551,"end":1529.2151,"sentiment":"neutral","sentiment_score":-0.23899930715560913},{"text":"Through the end of that, we'll still get a good average because we've got some diversification there.","start":1530.9551,"end":1536.81,"sentiment":"positive","sentiment_score":0.4206087904817918},{"text":"Normally, I run around about six to eight options in a portfolio.","start":1537.2101,"end":1540.91,"sentiment":"neutral","sentiment_score":0.23883611087997755},{"text":"I'm adding a couple of extra ones on for you just to get a little bit more spread.","start":1541.29,"end":1545.2301,"sentiment":"neutral","sentiment_score":0.23055105201072162}],"sentiment":"neutral","sentiment_score":0.18308776331444582,"num_words":60,"start":1524.3201,"end":1545.2301},{"sentences":[{"text":"And that way, it's not gonna be as sharp.","start":1545.3701,"end":1548.0901,"sentiment":"neutral","sentiment_score":-0.12731369212269783},{"text":"Like, if I had you in just that, like, battery tech and lithium, for example, if that one industry goes under, then all of a sudden your super shoots down 5% just off that one satellite.","start":1548.0901,"end":1558.975,"sentiment":"neutral","sentiment_score":-0.11579901580181387},{"text":"Big impact.","start":1559.755,"end":1560.415,"sentiment":"neutral","sentiment_score":-0.16714981198310852},{"text":"Just trying to minimize the impact a little bit.","start":1560.555,"end":1572.3099,"sentiment":"neutral","sentiment_score":-0.13587643620040682},{"text":"Yeah.","start":1591.12,"end":1591.52,"sentiment":"neutral","sentiment_score":0.0017479173839092257}],"sentiment":"neutral","sentiment_score":-0.12052679702378157,"num_words":57,"start":1545.3701,"end":1591.52},{"sentences":[{"text":"Not just from the China side of things.","start":1591.52,"end":1593.36,"sentiment":"neutral","sentiment_score":-0.0853734640404582},{"text":"Like you said, that's more long term.","start":1593.36,"end":1595.14,"sentiment":"neutral","sentiment_score":-0.02738651353865862},{"text":"This is more developing nations that are in an economic growth.","start":1595.36,"end":1598.8201,"sentiment":"neutral","sentiment_score":-0.007366242056543177},{"text":"So that was just an example of it, but it's not just hinging on once China does this, then it'll go up.","start":1601.2949,"end":1607.0549,"sentiment":"neutral","sentiment_score":0.04728980955075134},{"text":"It'll be hinging on a lot of different countries growing as well.","start":1607.0549,"end":1610.9149,"sentiment":"neutral","sentiment_score":0.10318656327823798}],"sentiment":"neutral","sentiment_score":0.022048209995652237,"num_words":60,"start":1591.52,"end":1610.9149},{"sentences":[{"text":"So it also what it does is not just the countries themselves.","start":1617.87,"end":1621.23,"sentiment":"neutral","sentiment_score":0.08987212522576253},{"text":"It follows companies around different areas.","start":1621.23,"end":1624.35,"sentiment":"neutral","sentiment_score":0.08906422307093938},{"text":"So it includes, like, Samsung, semiconductor manufacturers in Taiwan, a few different companies like that that are around the world.","start":1624.35,"end":1632.965,"sentiment":"neutral","sentiment_score":0.10142193548381329},{"text":"So they're kind of linked into the AI boom a little bit as well, and it's not just incumbent on, like, the, you know, African GDP or something like that.","start":1633.345,"end":1642.6799,"sentiment":"neutral","sentiment_score":0.06095137894153595},{"text":"No.","start":1649.86,"end":1650.1,"sentiment":"neutral","sentiment_score":-0.231454536318779}],"sentiment":"neutral","sentiment_score":0.07591849830055582,"num_words":69,"start":1617.87,"end":1650.1},{"sentences":[{"text":"I haven't included any Nasdaq stocks for you or anything like that, anything tech heavy.","start":1650.1,"end":1655.4,"sentiment":"neutral","sentiment_score":-0.17487157235542933},{"text":"It's if they become large companies within the index that you'll link to, you'll get exposure that way, but nothing directly linking into the hyperscalers or anything directly tech focused yet.","start":1655.895,"end":1671.39,"sentiment":"neutral","sentiment_score":0.00936867416866364},{"text":"Yeah.","start":1693.405,"end":1693.905,"sentiment":"neutral","sentiment_score":0.039790354669094086},{"text":"I think I tend to agree with that too.","start":1694.285,"end":1696.765,"sentiment":"neutral","sentiment_score":0.1007221250070466},{"text":"And and what I'm seeing when I talk fund managers and the investment committee is that when the hype blows something up that quickly, you tend to see a pretty large pullback.","start":1696.765,"end":1707.8,"sentiment":"neutral","sentiment_score":-0.23568171705119312}],"sentiment":"neutral","sentiment_score":-0.10145647900009697,"num_words":88,"start":1650.1,"end":1707.8},{"sentences":[{"text":"Even if it's fantastic in ten, twenty, thirty years' time, it'll just be sharp up, sharp declines.","start":1708.02,"end":1713.9601,"sentiment":"neutral","sentiment_score":-0.3295138285440557},{"text":"The closest thing that you've got to this is your cybersecurity side of things, which is obviously an area to improve when it comes to tech tech and AI.","start":1714.475,"end":1723.855,"sentiment":"neutral","sentiment_score":-0.07397604875009635},{"text":"But I'm not comfortable throwing in a a tech stocks ETF into your portfolio given where you need to get as much growth in ten years as possible and not risk, you know, two years step back because of a bubble popping.","start":1724.715,"end":1739.86,"sentiment":"negative","sentiment_score":-0.37224434387116206},{"text":"I've got some clients who love the Nasdaq and love the tech stocks, and they're 35 and they wanna they reckon it's gonna go up 10 times, 10,000 times.","start":1743.055,"end":1750.975,"sentiment":"neutral","sentiment_score":0.08302751024542697},{"text":"That's great.","start":1750.975,"end":1751.795,"sentiment":"neutral","sentiment_score":0.29784226417541504}],"sentiment":"neutral","sentiment_score":-0.1712421900514482,"num_words":119,"start":1708.02,"end":1751.795},{"sentences":[{"text":"That would not be responsible if I put your super into that.","start":1752.3351,"end":1759.3201,"sentiment":"neutral","sentiment_score":-0.06267332875480254},{"text":"Yep.","start":1759.3201,"end":1759.8201,"sentiment":"neutral","sentiment_score":0.10414576530456544},{"text":"Cool.","start":1761.48,"end":1761.98,"sentiment":"neutral","sentiment_score":0.2876700758934021},{"text":"One other thing to point out was just the asset allocation you asked me before on the percentages.","start":1763.3201,"end":1767.74,"sentiment":"neutral","sentiment_score":0.10692346054646704},{"text":"If you can just swing down two more pages, you'll see like a little cash table because we need to maintain the 1.25% within the hub, and then you've got your pie chart for your asset allocation.","start":1768.4249,"end":1779.725,"sentiment":"neutral","sentiment_score":0.11670926545520087}],"sentiment":"neutral","sentiment_score":0.08525508706984312,"num_words":69,"start":1752.3351,"end":1779.725},{"sentences":[{"text":"Yeah.","start":1794.2,"end":1794.6,"sentiment":"neutral","sentiment_score":0.05259294807910919},{"text":"That's fluctuates with all the transactions, contributions, buys and sells.","start":1794.6,"end":1800.475,"sentiment":"neutral","sentiment_score":0.012202868750318886},{"text":"So target weight is 1.25.","start":1800.775,"end":1802.615,"sentiment":"neutral","sentiment_score":0.011527014523744583},{"text":"When I rebalance it, it'll rebalance it, but it also automatically does it.","start":1802.615,"end":1806.855,"sentiment":"neutral","sentiment_score":0.14791476382659033},{"text":"So you will tend to get emails saying cash balance is low, investments that get sold down, contributions go in, and it tops itself back up.","start":1806.855,"end":1816.34,"sentiment":"neutral","sentiment_score":0.1895166068122937}],"sentiment":"neutral","sentiment_score":0.1287741893648424,"num_words":55,"start":1794.2,"end":1816.34},{"sentences":[{"text":"But this is basically where your cash balance was sitting when we did the research versus the long term average that we need to maintain.","start":1816.34,"end":1823.055,"sentiment":"neutral","sentiment_score":-0.01729782432317734},{"text":"K.","start":1828.3351,"end":1828.7351,"sentiment":"neutral","sentiment_score":0.04291889816522598},{"text":"For that next table, the easiest way to see underneath that pie chart is it gives you the percentages of your risk profile just as an as an estimate.","start":1828.7351,"end":1838.275,"sentiment":"neutral","sentiment_score":0.039052264315300976},{"text":"It gives you where it's sitting at and what we've proposed.","start":1838.89,"end":1841.87,"sentiment":"neutral","sentiment_score":0.03905203599821438},{"text":"The main thing to point out here is obviously a little bit of a reduction in the Australian equities from that 26, 27 to just under 20%.","start":1844.49,"end":1852.735,"sentiment":"neutral","sentiment_score":-0.006119563347763485}],"sentiment":"neutral","sentiment_score":0.010831539148604998,"num_words":93,"start":1816.34,"end":1852.735},{"sentences":[{"text":"International is increasing a little bit.","start":1853.2749,"end":1855.0349,"sentiment":"neutral","sentiment_score":0.03522065095603466},{"text":"Alternatives are increasing a little bit.","start":1855.0349,"end":1857.0549,"sentiment":"neutral","sentiment_score":0.01953913706044356},{"text":"We're slightly increasing your growth allocation from about 81 to 85 is where this portfolio sits.","start":1857.355,"end":1864.26,"sentiment":"neutral","sentiment_score":0.11644569784402847},{"text":"Again, 80 to 90 is your band that it fluctuates between as the markets go up and down.","start":1873.7,"end":1880.04,"sentiment":"neutral","sentiment_score":0.03699634213828378},{"text":"So 85 is pretty much in the middle for a growth investor.","start":1880.4049,"end":1883.945,"sentiment":"neutral","sentiment_score":0.07516801233092944}],"sentiment":"neutral","sentiment_score":0.06482138275971701,"num_words":58,"start":1853.2749,"end":1883.945},{"sentences":[{"text":"Correct.","start":1891.445,"end":1891.945,"sentiment":"neutral","sentiment_score":0.09013880044221878},{"text":"K.","start":1907.795,"end":1908.295,"sentiment":"neutral","sentiment_score":0.016725055873394012},{"text":"Which column is that for?","start":1916.835,"end":1918.0,"sentiment":"neutral","sentiment_score":-0.014112323522567749},{"text":"Sorry.","start":1918.0,"end":1918.5,"sentiment":"neutral","sentiment_score":-0.09025118499994278},{"text":"Yes.","start":1919.44,"end":1919.94,"sentiment":"neutral","sentiment_score":-0.02318299375474453}],"sentiment":"neutral","sentiment_score":-0.008570215561323695,"num_words":9,"start":1891.445,"end":1919.94},{"sentences":[{"text":"Yes.","start":1927.44,"end":1927.94,"sentiment":"neutral","sentiment_score":-0.06288566440343857},{"text":"There's no alternatives in your current portfolio or the proposed.","start":1928.24,"end":1932.26,"sentiment":"neutral","sentiment_score":-0.23561717718839645},{"text":"We don't really use alternative defensive assets at the moment.","start":1933.385,"end":1936.5249,"sentiment":"neutral","sentiment_score":-0.2658337697386742},{"text":"No.","start":1952.28,"end":1952.44,"sentiment":"neutral","sentiment_score":-0.2542687654495239},{"text":"So it's like a four out of five.","start":1952.44,"end":1954.6,"sentiment":"neutral","sentiment_score":-0.1874666828662157}],"sentiment":"neutral","sentiment_score":-0.2277132454017798,"num_words":30,"start":1927.44,"end":1954.6},{"sentences":[{"text":"It's the one below high risk, the one above medium.","start":1954.6,"end":1957.395,"sentiment":"neutral","sentiment_score":-0.16095298081636428},{"text":"Above above middle.","start":1964.275,"end":1965.475,"sentiment":"neutral","sentiment_score":0.0659048743546009},{"text":"So if you think of a scale of five, you're sitting at a four, and it basically goes in bands of 10%.","start":1965.475,"end":1970.835,"sentiment":"neutral","sentiment_score":0.08102794381027872},{"text":"So 90 to a 100 is high growth, 80 to 90 is growth.","start":1970.835,"end":1975.09,"sentiment":"neutral","sentiment_score":0.2816315052601007},{"text":"That sort of 65 to 75 is balanced, 50 is around moderate, and conservative is below 50%.","start":1975.63,"end":1983.5701,"sentiment":"neutral","sentiment_score":0.17742817147689707}],"sentiment":"neutral","sentiment_score":0.10843520095715156,"num_words":65,"start":1954.6,"end":1983.5701},{"sentences":[{"text":"So if you're in pension phase, you'd probably have about 40 to 45% growth assets.","start":1983.71,"end":1989.245,"sentiment":"neutral","sentiment_score":0.1385538473725319},{"text":"No.","start":2004.6,"end":2004.84,"sentiment":"neutral","sentiment_score":-0.20209942758083344},{"text":"So 90 to a 100 would be high growth.","start":2004.84,"end":2007.08,"sentiment":"neutral","sentiment_score":0.013144616451528337},{"text":"I advise staying within the 80 to 90.","start":2007.08,"end":2009.34,"sentiment":"neutral","sentiment_score":0.08288549911230803},{"text":"No.","start":2020.935,"end":2021.255,"sentiment":"neutral","sentiment_score":-0.20806142687797544}],"sentiment":"neutral","sentiment_score":0.07204507050268791,"num_words":34,"start":1983.71,"end":2021.255},{"sentences":[{"text":"So, basically, in terms of time frame, like we were talking about, you've got that last sort of five to eight years to get as much growth out of it as possible without going excessive with the risk.","start":2021.255,"end":2031.4501,"sentiment":"neutral","sentiment_score":-0.011102541790981042},{"text":"And then, you know, how we set that benchmark of around about nine to 10%?","start":2031.67,"end":2036.355,"sentiment":"neutral","sentiment_score":0.0938595195611318},{"text":"Anytime that we get returns of twelve, fifteen, 18%, we're gonna use that as an opportunity to slowly reduce risk a little bit quicker.","start":2037.715,"end":2046.855,"sentiment":"neutral","sentiment_score":0.21293879052003226},{"text":"And if we're above benchmark, we'll reduce it.","start":2047.075,"end":2049.7349,"sentiment":"neutral","sentiment_score":0.04792889300733805},{"text":"If we're below benchmark, we'll wait for it to catch back up and just make sure that once you get to the late fifties that you're not still sitting in a, you know, primarily growth focused portfolio.","start":2049.795,"end":2060.69,"sentiment":"neutral","sentiment_score":-0.028365467448492308}],"sentiment":"neutral","sentiment_score":0.04451177070741771,"num_words":122,"start":2021.255,"end":2060.69},{"sentences":[{"text":"You wanna be sitting slightly lower every two to three years.","start":2060.99,"end":2064.735,"sentiment":"neutral","sentiment_score":-0.0424521341919899},{"text":"But it'll basically have to be a twelve month conversation to see whether we should adjust the level of risk.","start":2064.895,"end":2071.475,"sentiment":"neutral","sentiment_score":-0.16986843571066856},{"text":"Just bear in mind for one last hurrah, and this will be the biggest risk that you face, is if we were to experience this full stock market crash and economic depression this year or next year, we would almost kind of welcome it for you to happen soon so that you could use it as a buying opportunity with all of your contributions to salary sacrifice and buy as much as you can so that if we get a good five, six year run-in the markets, then you've got your retirement goal ticked, and we can pull you out.","start":2080.18,"end":2113.6401,"sentiment":"neutral","sentiment_score":0.08671424087136984},{"text":"Yeah.","start":2126.595,"end":2127.095,"sentiment":"neutral","sentiment_score":-0.14839449524879456},{"text":"It's like if there's another GFC, it was the greatest buying opportunity, especially for those who maintained an income or capital.","start":2127.395,"end":2134.75,"sentiment":"neutral","sentiment_score":-0.012918191296713693}],"sentiment":"neutral","sentiment_score":0.028675852185176088,"num_words":153,"start":2060.99,"end":2134.75},{"sentences":[{"text":"Very, very difficult for a lot of people at that time.","start":2135.3699,"end":2137.69,"sentiment":"negative","sentiment_score":-0.4956691129641099},{"text":"I know my parents had to sell homes and things like that.","start":2137.69,"end":2140.51,"sentiment":"neutral","sentiment_score":-0.3247613621254762},{"text":"If there's anything worse than a GFC, Mad Max, World War three nuclear bombs, then the super is gone, and we won't even be able to connect on the phone.","start":2141.69,"end":2149.9348,"sentiment":"negative","sentiment_score":-0.4270751525958379},{"text":"So that's probably a risk too far that we can even factor in.","start":2149.9348,"end":2154.1948,"sentiment":"negative","sentiment_score":-0.47468758546389067},{"text":"But, again, market drops are good buying opportunities if we can get them.","start":2154.255,"end":2159.555,"sentiment":"neutral","sentiment_score":0.07020116568757938}],"sentiment":"negative","sentiment_score":-0.3470895521908621,"num_words":79,"start":2135.3699,"end":2159.555},{"sentences":[{"text":"My issue for you, Kij, is I don't want it to happen in four years' time when it's, like, a really bad sequencing risk.","start":2159.615,"end":2166.58,"sentiment":"negative","sentiment_score":-0.35905107483267784},{"text":"You don't wanna be having it happen when you're, like, four years out from retirement because it's that you're on that middle ground of, oh, I just wanna finish off the last couple of 100,000 of growth, but I also don't wanna lose 200,000 and have to delay retirement by two, three years.","start":2166.8,"end":2181.5251,"sentiment":"negative","sentiment_score":-0.35392665919267907},{"text":"Yeah.","start":2185.665,"end":2186.165,"sentiment":"neutral","sentiment_score":0.19231289625167847},{"text":"So it's a pretty it's a serious decade for yourself.","start":2186.945,"end":2190.0852,"sentiment":"neutral","sentiment_score":0.3031302124261856},{"text":"I I have a lot of fun with my job in building portfolios and discussions with clients.","start":2190.225,"end":2195.2898,"sentiment":"positive","sentiment_score":0.42603488529429717}],"sentiment":"neutral","sentiment_score":-0.16103933964456832,"num_words":105,"start":2159.615,"end":2195.2898},{"sentences":[{"text":"But at the end of the day, I do take it very seriously that what happens in the next five to ten years is gonna translate to your quality of life.","start":2195.2898,"end":2203.23,"sentiment":"positive","sentiment_score":0.3354970524387975},{"text":"And as long as we can have those discussions throughout the year, we will keep on top of it.","start":2203.53,"end":2208.645,"sentiment":"positive","sentiment_score":0.4076388195941323},{"text":"And whenever something changes in the world, we'll discuss what can be done, what the options are.","start":2208.885,"end":2213.705,"sentiment":"neutral","sentiment_score":0.27536631287897334},{"text":"K.","start":2216.965,"end":2217.465,"sentiment":"neutral","sentiment_score":0.08712959289550781},{"text":"That pretty much ends the portfolio side of things.","start":2218.245,"end":2221.865,"sentiment":"neutral","sentiment_score":0.17374502619107565}],"sentiment":"neutral","sentiment_score":0.31789101747336324,"num_words":77,"start":2195.2898,"end":2221.865},{"sentences":[{"text":"There was just one last table for the contribution taxes if you wanted to have a look at that before we switched.","start":2222.13,"end":2227.75,"sentiment":"neutral","sentiment_score":0.044859240339560943},{"text":"If you go two more pages, again, apologies for the amount of text on that contribution strategy, Just talking about amounts and everything to contribute.","start":2231.01,"end":2238.755,"sentiment":"neutral","sentiment_score":0.06429412055760622},{"text":"Yep.","start":2247.375,"end":2247.875,"sentiment":"neutral","sentiment_score":0.26118457317352295},{"text":"Yep.","start":2250.7349,"end":2251.2349,"sentiment":"neutral","sentiment_score":0.09392623603343964},{"text":"Any questions so far?","start":2253.11,"end":2254.49,"sentiment":"neutral","sentiment_score":0.05389389581978321}],"sentiment":"neutral","sentiment_score":0.05971589988484135,"num_words":53,"start":2222.13,"end":2254.49},{"sentences":[{"text":"So for five 38 of fortnight, it'll probably cost you around about a 165 in the pay.","start":2278.63,"end":2285.6099,"sentiment":"neutral","sentiment_score":-0.0532837830045644},{"text":"In terms of the lost income.","start":2290.8699,"end":2292.875,"sentiment":"neutral","sentiment_score":-0.06081348657608032},{"text":"So if you put $5.38 before tax, your take home pay will be reduced by about a 164 once all the tax has been included, and then that money goes into super, and then 15% gets taken out of it.","start":2293.015,"end":2307.43,"sentiment":"neutral","sentiment_score":-0.003374142455868423},{"text":"So I like to just kind of split it between what's gonna impact your your next pay run versus what's gonna happen inside the super fund.","start":2307.43,"end":2315.29,"sentiment":"neutral","sentiment_score":0.082493137424955},{"text":"Yep.","start":2330.645,"end":2330.88,"sentiment":"neutral","sentiment_score":-0.16994115710258484}],"sentiment":"neutral","sentiment_score":0.006324549857527018,"num_words":90,"start":2278.63,"end":2330.88},{"sentences":[{"text":"You would be getting less.","start":2336.96,"end":2338.9,"sentiment":"neutral","sentiment_score":-0.25048222839832307},{"text":"$5.38.","start":2339.68,"end":2340.64,"sentiment":"neutral","sentiment_score":-0.12576699256896973},{"text":"That's $16.05.","start":2340.64,"end":2342.0198,"sentiment":"neutral","sentiment_score":-0.11466926336288452},{"text":"So if you put $5.38 before tax through the pay, through the salary sacrifice, you would lose $3.73 less in the pay.","start":2342.16,"end":2353.465,"sentiment":"neutral","sentiment_score":-0.1850821998986331},{"text":"Yep.","start":2364.34,"end":2364.84,"sentiment":"neutral","sentiment_score":-0.2381406128406525}],"sentiment":"neutral","sentiment_score":-0.19088598941603013,"num_words":31,"start":2336.96,"end":2364.84},{"sentences":[{"text":"Wait.","start":2400.9448,"end":2401.1848,"sentiment":"neutral","sentiment_score":0.005881177727133036},{"text":"Let me grab that back up.","start":2401.1848,"end":2402.545,"sentiment":"neutral","sentiment_score":0.007001008838415146},{"text":"424323?","start":2402.545,"end":2405.04,"sentiment":"neutral","sentiment_score":0.006340203806757927},{"text":"Yep.","start":2436.1902,"end":2436.6902,"sentiment":"neutral","sentiment_score":0.03829668089747429},{"text":"And that's actually where we get our figures from is pay calculator.","start":2436.99,"end":2439.73,"sentiment":"neutral","sentiment_score":0.02296988107264042}],"sentiment":"neutral","sentiment_score":0.017531556587311484,"num_words":21,"start":2400.9448,"end":2439.73},{"sentences":[{"text":"Yeah.","start":2444.59,"end":2444.895,"sentiment":"neutral","sentiment_score":0.04319941624999046},{"text":"It's brilliant.","start":2445.135,"end":2456.7551,"sentiment":"neutral","sentiment_score":0.08085015043616295},{"text":"Yeah.","start":2458.0151,"end":2458.2,"sentiment":"neutral","sentiment_score":-0.01074024010449648},{"text":"Yeah.","start":2464.2,"end":2464.7,"sentiment":"neutral","sentiment_score":0.0024271439760923386},{"text":"It's when they switched you over in June, July to fortnightly contributions, your salary sacrifice stopped.","start":2464.76,"end":2471.955,"sentiment":"neutral","sentiment_score":-0.01987726637162268}],"sentiment":"neutral","sentiment_score":-0.005783316235811938,"num_words":21,"start":2444.59,"end":2471.955},{"sentences":[{"text":"Yeah.","start":2485.5552,"end":2485.95,"sentiment":"neutral","sentiment_score":-0.1154613047838211},{"text":"Jeez.","start":2497.47,"end":2497.97,"sentiment":"neutral","sentiment_score":-0.13638333976268768},{"text":"Yeah.","start":2523.72,"end":2524.125,"sentiment":"neutral","sentiment_score":-0.22193756699562073},{"text":"Yeah.","start":2536.045,"end":2536.47,"sentiment":"neutral","sentiment_score":-0.19404582679271695},{"text":"Yep.","start":2556.3252,"end":2556.8252,"sentiment":"neutral","sentiment_score":-0.04207628220319748}],"sentiment":"neutral","sentiment_score":-0.1419808641076088,"num_words":5,"start":2485.5552,"end":2556.8252},{"sentences":[{"text":"Yeah.","start":2558.165,"end":2558.665,"sentiment":"neutral","sentiment_score":-0.09386049211025238},{"text":"Yeah.","start":2562.8052,"end":2563.2,"sentiment":"neutral","sentiment_score":-0.1540224850177765},{"text":"I remember you saying even the offset account's been depleted as well.","start":2563.44,"end":2566.74,"sentiment":"neutral","sentiment_score":-0.13350072068472704},{"text":"Yeah.","start":2573.68,"end":2574.18,"sentiment":"neutral","sentiment_score":0.008717946708202362},{"text":"Yeah.","start":2586.675,"end":2587.175,"sentiment":"neutral","sentiment_score":-0.09453053027391434}],"sentiment":"neutral","sentiment_score":-0.12098151305690408,"num_words":16,"start":2558.165,"end":2587.175},{"sentences":[{"text":"Yeah.","start":2616.0398,"end":2616.5398,"sentiment":"neutral","sentiment_score":-0.09759721159934998},{"text":"Well, to be honest, Kij, if you wanted to just leave that off for the remainder of the year and rebuild your savings, if you started to back up again in the new year, it wouldn't really hurt that much a couple of months.","start":2619.96,"end":2630.145,"sentiment":"neutral","sentiment_score":0.04385742155665701},{"text":"And if it means that much more to have a bit more of a buffer and a rainy day fund, then absolutely do that.","start":2631.025,"end":2637.605,"sentiment":"neutral","sentiment_score":0.058987728940943875},{"text":"Your retirement is not gonna hinge on two, three months of contributions.","start":2637.905,"end":2641.205,"sentiment":"neutral","sentiment_score":-0.044276111448804535},{"text":"Yeah.","start":2670.145,"end":2670.42,"sentiment":"neutral","sentiment_score":0.02983924560248852}],"sentiment":"neutral","sentiment_score":0.03349220414259812,"num_words":82,"start":2616.0398,"end":2670.42},{"sentences":[{"text":"Yep.","start":2674.02,"end":2674.52,"sentiment":"neutral","sentiment_score":0.16168713569641113},{"text":"Yeah.","start":2683.0598,"end":2683.5598,"sentiment":"neutral","sentiment_score":0.1696222722530365},{"text":"Look, that gives me a smile, Kitch.","start":2683.7751,"end":2685.375,"sentiment":"positive","sentiment_score":0.5237409855638232},{"text":"I'm gonna put that on the file and look look after yourselves.","start":2685.375,"end":2688.675,"sentiment":"neutral","sentiment_score":0.319682194540898},{"text":"It's not it's not a fun position to be in these days, what's going on with the fuel and everything.","start":2689.0552,"end":2694.2751,"sentiment":"neutral","sentiment_score":-0.028170519229024648}],"sentiment":"neutral","sentiment_score":0.17732371358064616,"num_words":41,"start":2674.02,"end":2694.2751},{"sentences":[{"text":"And it it does feel a lot better to have a bit of savings.","start":2694.655,"end":2698.9302,"sentiment":"neutral","sentiment_score":0.16297690144607},{"text":"Even myself had a similar situation with having to foot the bill for all of the repairs and interest rate increases and the fuel and everything like that, and my savings went down too.","start":2698.9302,"end":2709.915,"sentiment":"neutral","sentiment_score":-0.038837640381911225},{"text":"Now that I've built it back up again, I feel a lot safer, a lot more comfortable.","start":2710.475,"end":2714.175,"sentiment":"positive","sentiment_score":0.44746535315233116},{"text":"My wife is still fine.","start":2714.315,"end":2715.2751,"sentiment":"positive","sentiment_score":0.4060568153858185},{"text":"She goes to Myron.","start":2715.2751,"end":2716.075,"sentiment":"positive","sentiment_score":0.34195438772439957}],"sentiment":"neutral","sentiment_score":0.16170553349562594,"num_words":74,"start":2694.655,"end":2716.075},{"sentences":[{"text":"There's a discount there and buys the coffee machine, but overall, we're in a much better position.","start":2716.075,"end":2720.735,"sentiment":"neutral","sentiment_score":0.3062596540240681},{"text":"And, look, we spent, I think, eight months pausing all investments and just rebuilding the savings, and it made us feel a lot better.","start":2721.115,"end":2730.62,"sentiment":"neutral","sentiment_score":0.2840306553989649},{"text":"And now if the car breaks, I'm fine, and then investing resumes again.","start":2730.9202,"end":2736.06,"sentiment":"neutral","sentiment_score":0.15495488047599792},{"text":"So, again, 100%, Build your savings up, and I will make sure that you still get to the goal regardless.","start":2736.2002,"end":2742.855,"sentiment":"positive","sentiment_score":0.34993778839707373},{"text":"That's one thing I haven't mentioned just yet is that ten year projection that I was talking about, that still tracks pretty well for the goal that we were speaking about, which is trying to get about 1,500 a week after tax with the mortgage paid off, you will easily be able to, at the age of 57, produce about a thousand a week from there.","start":2750.035,"end":2774.1948,"sentiment":"neutral","sentiment_score":0.23868728225881403}],"sentiment":"neutral","sentiment_score":0.2627834263656821,"num_words":140,"start":2716.075,"end":2774.1948},{"sentences":[{"text":"There'll be a few last years of getting your last few contributions and growth out of it.","start":2774.4949,"end":2780.01,"sentiment":"neutral","sentiment_score":0.31578607681919546},{"text":"So your portion at this point should be able to produce around 1,100, 1,200 a week.","start":2780.25,"end":2785.55,"sentiment":"positive","sentiment_score":0.40303343161940575},{"text":"And on top of that, the few 100, and you are on track.","start":2785.61,"end":2789.79,"sentiment":"positive","sentiment_score":0.3834885610983922},{"text":"Alright.","start":2807.27,"end":2807.77,"sentiment":"positive","sentiment_score":0.3781864643096924},{"text":"Happy with that so far?","start":2808.55,"end":2809.93,"sentiment":"positive","sentiment_score":0.5045999407768249}],"sentiment":"positive","sentiment_score":0.37891222450595635,"num_words":52,"start":2774.4949,"end":2809.93},{"sentences":[{"text":"The best call with OP you've had to date.","start":2818.23,"end":2820.39,"sentiment":"positive","sentiment_score":0.3773764173189799},{"text":"I'm I'm floored.","start":2820.39,"end":2822.025,"sentiment":"neutral","sentiment_score":0.28810138007005054},{"text":"Thank you very much for that.","start":2822.025,"end":2823.405,"sentiment":"positive","sentiment_score":0.7766051491101583},{"text":"Yeah.","start":2867.27,"end":2867.59,"sentiment":"neutral","sentiment_score":0.02972821518778801},{"text":"I find it a bit better to have the visuals in front of me.","start":2867.59,"end":2869.83,"sentiment":"neutral","sentiment_score":0.008977822161146573}],"sentiment":"neutral","sentiment_score":0.275022439884417,"num_words":33,"start":2818.23,"end":2869.83},{"sentences":[{"text":"I'm a bit of a whiteboard guy myself, and I think being able to look onto the tables makes a bit more sense.","start":2869.83,"end":2875.485,"sentiment":"neutral","sentiment_score":0.026871153538155813},{"text":"From there, mate, the rest of that is pretty much just reminders on why you should have updated wills and powers of attorney and everything up to date.","start":2881.465,"end":2889.44,"sentiment":"neutral","sentiment_score":0.0699992480554751},{"text":"I have factored in, of course, the commissions that we still get from Neos, the adviser service fees, if you're comfortable to remain a client for the time being, and implementation is very straightforward.","start":2891.1,"end":2903.825,"sentiment":"neutral","sentiment_score":0.12927782667033813},{"text":"If you can consent to this document once you've had a read and you're comfortable on a Friday, we do buy sell orders and can switch the investments for you.","start":2904.285,"end":2920.78,"sentiment":"neutral","sentiment_score":0.08382482640445232},{"text":"Yeah.","start":2920.78,"end":2921.0999,"sentiment":"neutral","sentiment_score":0.1349445283412933}],"sentiment":"neutral","sentiment_score":0.08295819744997626,"num_words":116,"start":2869.83,"end":2921.0999},{"sentences":[{"text":"You can take some time to read it.","start":2921.0999,"end":2922.14,"sentiment":"neutral","sentiment_score":0.13618081994354725},{"text":"You don't have to send it to me today.","start":2922.14,"end":2923.66,"sentiment":"neutral","sentiment_score":0.10915861941046184},{"text":"You can do it tomorrow if you like.","start":2923.66,"end":2925.2,"sentiment":"neutral","sentiment_score":0.1320235449820757},{"text":"I have included the ongoing consent form with Hub, though, because it's expired with us.","start":2925.9,"end":2933.035,"sentiment":"neutral","sentiment_score":0.05444827924172083},{"text":"So I just need to make sure you're comfortable with our fees of the 1.1%, and the rest of those documents do not require signatures.","start":2933.175,"end":2941.115,"sentiment":"neutral","sentiment_score":0.06691338926553726}],"sentiment":"neutral","sentiment_score":0.08642494483635976,"num_words":65,"start":2921.0999,"end":2941.115},{"sentences":[{"text":"They're just to keep on file.","start":2941.82,"end":2943.28,"sentiment":"neutral","sentiment_score":0.15337775771816572},{"text":"So if you haven't used this new system before, the statement of advice has a consent form to sign.","start":2943.66,"end":2949.6,"sentiment":"neutral","sentiment_score":0.05543778679872814},{"text":"The consent with hub twenty four has a signature.","start":2950.06,"end":2953.04,"sentiment":"neutral","sentiment_score":0.08920831750664446},{"text":"The rest of them, they get emailed to you as an attachment to keep, and that's like your certificate of insurance, the hub documents, the product disclosure documents.","start":2953.42,"end":2962.635,"sentiment":"neutral","sentiment_score":0.08829372562468052},{"text":"But, yes, once you're comfortable and we receive the document back signed, we'll put you in for the next investment switch.","start":2962.7751,"end":2978.3901,"sentiment":"neutral","sentiment_score":0.29369606791685027}],"sentiment":"neutral","sentiment_score":0.13754579634686193,"num_words":83,"start":2941.82,"end":2978.3901},{"sentences":[{"text":"Yep.","start":2978.61,"end":2979.11,"sentiment":"neutral","sentiment_score":0.044590361416339874},{"text":"Yes.","start":2989.905,"end":2990.2249,"sentiment":"neutral","sentiment_score":0.001612253487110138},{"text":"So the part that I'm not a 100% on is when you get to the bottom of it, it'll probably have, like, a begin button to start signing the statement of advice, but there should be a button there to say next document or even little arrows to flick between them to actually skip between each of the documents.","start":2990.2249,"end":3008.43,"sentiment":"neutral","sentiment_score":-0.024674925647312933},{"text":"Yep.","start":3019.8352,"end":3020.155,"sentiment":"neutral","sentiment_score":0.032578565180301666},{"text":"And the next one is like a a forest looking picture.","start":3020.155,"end":3023.375,"sentiment":"neutral","sentiment_score":0.00283890480006283}],"sentiment":"neutral","sentiment_score":-0.018435773702835893,"num_words":73,"start":2978.61,"end":3023.375},{"sentences":[{"text":"That's the appendix with the research in there with the other projection with no contributions in.","start":3023.5952,"end":3029.2898,"sentiment":"neutral","sentiment_score":-0.03748787858057767},{"text":"20 four.","start":3030.7898,"end":3031.77,"sentiment":"neutral","sentiment_score":0.0020936797372996807},{"text":"Yeah.","start":3031.99,"end":3032.49,"sentiment":"neutral","sentiment_score":-0.0026024924591183662},{"text":"Sorry.","start":3034.63,"end":3034.8699,"sentiment":"neutral","sentiment_score":-0.07933123409748077},{"text":"It's got a bit of a gray text above it for the appendix, but it says statement of advice, appendix two in very faint gray text.","start":3034.8699,"end":3041.6848,"sentiment":"neutral","sentiment_score":-0.09594811198229973}],"sentiment":"neutral","sentiment_score":-0.06896094208502251,"num_words":46,"start":3023.5952,"end":3041.6848},{"sentences":[{"text":"Apologies for that.","start":3041.6848,"end":3042.825,"sentiment":"neutral","sentiment_score":-0.19551951189835867},{"text":"And, yeah, so that's that lets you skip around.","start":3048.565,"end":3050.825,"sentiment":"neutral","sentiment_score":0.05835087762938605},{"text":"Correct.","start":3070.855,"end":3071.355,"sentiment":"neutral","sentiment_score":0.18077653646469116},{"text":"Yep.","start":3082.07,"end":3082.57,"sentiment":"neutral","sentiment_score":0.12533722817897797},{"text":"Yeah.","start":3092.925,"end":3093.405,"sentiment":"neutral","sentiment_score":0.15523359179496765}],"sentiment":"neutral","sentiment_score":0.02666311462720235,"num_words":15,"start":3041.6848,"end":3093.405},{"sentences":[{"text":"Yeah.","start":3093.405,"end":3093.725,"sentiment":"neutral","sentiment_score":0.1968482136726379},{"text":"You can always just call up and ask a question, email, text, and we can go through any questions you have before we we touch anything.","start":3093.725,"end":3101.185,"sentiment":"neutral","sentiment_score":0.20701956892242798},{"text":"Just bear in mind, it does expire, the statements of advice.","start":3103.565,"end":3106.68,"sentiment":"neutral","sentiment_score":-0.01203201948241754},{"text":"We can't have something signed nine months later kind of thing and actually implement it.","start":3106.8398,"end":3110.76,"sentiment":"neutral","sentiment_score":-0.14403030574321746},{"text":"So just bear in mind of an expiry on there.","start":3110.76,"end":3113.88,"sentiment":"neutral","sentiment_score":-0.05566928461194039}],"sentiment":"neutral","sentiment_score":0.04333106919176995,"num_words":63,"start":3093.405,"end":3113.88},{"sentences":[{"text":"It's usually sixty days from the date of the document.","start":3113.88,"end":3116.46,"sentiment":"neutral","sentiment_score":-0.024571934714913368},{"text":"And outside of that, I've got some notes in there to have a bit of a catch up with your next policy anniversary for the insurance, a bit of a New Year's catch up to see how the markets and portfolio have behaved.","start":3119.48,"end":3132.2048,"sentiment":"neutral","sentiment_score":0.049761123955249786},{"text":"We have sort of touched on retirement goals and so on, and I can see that Minal's rollover has come through.","start":3134.105,"end":3140.19,"sentiment":"neutral","sentiment_score":0.15242241003683635},{"text":"So all of her advice has been implemented.","start":3141.13,"end":3143.23,"sentiment":"neutral","sentiment_score":0.2878257427364588},{"text":"We'll hold off on the contributions.","start":3143.29,"end":3145.5498,"sentiment":"neutral","sentiment_score":0.12005553518732388}],"sentiment":"neutral","sentiment_score":0.09224794030358846,"num_words":88,"start":3113.88,"end":3145.5498},{"sentences":[{"text":"Is there anything else that I can kind of help with, like, before Christmas time that I need to be aware of or let the team know?","start":3146.25,"end":3156.7349,"sentiment":"neutral","sentiment_score":0.1388634096969057},{"text":"Yep.","start":3177.61,"end":3177.885,"sentiment":"neutral","sentiment_score":0.19130145013332367},{"text":"Yeah.","start":3195.02,"end":3195.52,"sentiment":"neutral","sentiment_score":0.024708341807127},{"text":"Yeah.","start":3201.74,"end":3202.095,"sentiment":"positive","sentiment_score":0.35431790351867676},{"text":"Yep.","start":3214.11,"end":3214.61,"sentiment":"neutral","sentiment_score":0.12600329518318176}],"sentiment":"neutral","sentiment_score":0.14340784040189558,"num_words":31,"start":3146.25,"end":3214.61},{"sentences":[{"text":"So perfect.","start":3217.5112,"end":3224.814,"sentiment":"neutral","sentiment_score":0.2878744341433048},{"text":"I'm having a look at her portfolio at the moment, and everything looks new, up to date, quality.","start":3228.0352,"end":3234.855,"sentiment":"positive","sentiment_score":0.4032723324166404},{"text":"There's only just that term deposit option there that I may need to switch out in the new year, but everything else looks pretty good.","start":3235.0752,"end":3244.6602,"sentiment":"neutral","sentiment_score":0.1429211190342903},{"text":"No Ben and Loan.","start":3244.6602,"end":3245.7002,"sentiment":"neutral","sentiment_score":-0.06222149170935154},{"text":"No property.","start":3245.7002,"end":3246.4402,"sentiment":"neutral","sentiment_score":-0.09165581315755844}],"sentiment":"neutral","sentiment_score":0.2152055144017818,"num_words":51,"start":3217.5112,"end":3246.4402},{"sentences":[{"text":"Yeah.","start":3249.1401,"end":3249.4602,"sentiment":"neutral","sentiment_score":-0.025189466774463657},{"text":"It's just that the bank hybrids is the only one that I can see.","start":3249.4602,"end":3253.56,"sentiment":"neutral","sentiment_score":-0.0265625212341547},{"text":"No.","start":3261.075,"end":3261.395,"sentiment":"neutral","sentiment_score":-0.21496331691741943},{"text":"It's only about 8,000 in that one.","start":3261.395,"end":3265.235,"sentiment":"neutral","sentiment_score":-0.16806313608373916},{"text":"And one of the things that's gonna happen is they've got an automatic rollover set that it will kind of switch out in January to sort of a different rating, a safer rating, but I'll have to keep an eye on possibly switching that one out with the same option that you've got.","start":3265.235,"end":3290.834,"sentiment":"neutral","sentiment_score":-0.03258837696235135}],"sentiment":"neutral","sentiment_score":-0.046258605428432166,"num_words":76,"start":3249.1401,"end":3290.834},{"sentences":[{"text":"Cool.","start":3292.7368,"end":3293.2368,"sentiment":"positive","sentiment_score":0.33350399136543274},{"text":"Yep.","start":3303.6199,"end":3304.1199,"sentiment":"neutral","sentiment_score":0.09414534270763396},{"text":"K.","start":3309.22,"end":3309.72,"sentiment":"neutral","sentiment_score":0.05095992982387543},{"text":"So what I'll do, I'll pencil on to the team mid October just to reach out to schedule a brief booking in, and then I can go through any updated touch points with yourself and get a bit of a Perfect.","start":3309.9248,"end":3358.0398,"sentiment":"neutral","sentiment_score":0.19704309569262876},{"text":"Alright.","start":3359.7798,"end":3360.0999,"sentiment":"neutral","sentiment_score":0.0926864743232727}],"sentiment":"neutral","sentiment_score":0.1922236147026221,"num_words":45,"start":3292.7368,"end":3360.0999},{"sentences":[{"text":"I'll let Michelle know to wait until you get back and then schedule that in for both of you guys.","start":3360.0999,"end":3366.725,"sentiment":"neutral","sentiment_score":0.12412954289466142},{"text":"Alrighty.","start":3369.665,"end":3370.165,"sentiment":"positive","sentiment_score":0.3696846663951874},{"text":"I'll leave that email with you, mate, but it's been an absolute pleasure.","start":3371.105,"end":3373.745,"sentiment":"positive","sentiment_score":0.6047734090915093},{"text":"I told you my last call today would be great, and I was looking forward to it.","start":3373.745,"end":3378.2,"sentiment":"positive","sentiment_score":0.8432959072730121},{"text":"It's always a pleasure, my friend.","start":3378.2,"end":3379.74,"sentiment":"positive","sentiment_score":0.8701491256554922}],"sentiment":"positive","sentiment_score":0.5310746494745999,"num_words":57,"start":3360.0999,"end":3379.74},{"sentences":[{"text":"No.","start":3388.04,"end":3388.52,"sentiment":"neutral","sentiment_score":0.01315758377313614},{"text":"I finish in three minutes, so I'm gonna go see the kids, play some games, and thank you so much for your time.","start":3388.52,"end":3396.115,"sentiment":"positive","sentiment_score":0.4086992358383925},{"text":"You too, kids.","start":3399.5352,"end":3400.415,"sentiment":"positive","sentiment_score":0.5318187177181244},{"text":"Cheers.","start":3400.415,"end":3400.915,"sentiment":"positive","sentiment_score":0.6525559425354004},{"text":"Bye.","start":3402.655,"end":3403.155,"sentiment":"neutral","sentiment_score":-0.09910378605127336}],"sentiment":"positive","sentiment_score":0.39869476957567807,"num_words":29,"start":3388.04,"end":3403.155}]}}]},{"alternatives":[{"transcript":"Hello? Hey, Tommy. I'm good, mate. How are you? Oh, okay. Living the dream. Last call of the day, I'm talking to me. That all of that did not really make a lot of sense together. Yeah. I'm just working, ma'am. Yes. Yes. Yes. I already had put us a name in the calendar, so I was expecting your call. Go for it. Oh, Yep. Okay. Yep. Yes. Date of birth is 07/16/1939, and my address is 12 Catania Muse, Caroline Springs, Victoria 3023. Sure. Just one second. Let's see. Yep. Okay. Do I need to get on to I'd rather get on to my PC and a bigger screen than the mobile, if you don't mind. Yeah. Just give me one second. Yeah. Yeah. Just give me one second. Yep. Just headed to my screen. Oh, man. Okay. I can't because my son is having his class, so I don't have a big career. Let me see. Yeah. Yeah. Yeah. Alright. I'll just go on my phone. Okay. Yep. Yes. Yep. Yep. I'm on that page here. Okay. Scope of the device considered and limited scope. Just download that. Yep. I'm on the Yep. Yep. Yep. Yep. Yes. That's correct. Just one second. Current risk profile portfolio. Yes. Life insurance, 1.5. TPD insurance, 1.5. Income protection, 8973. Yes. And what's the next one? My risk profile. Yeah. Yeah. Just a second. Investment objective. Investment objective is to achieve a return that exceeds the increase in CPI by at least 4% per annum overall in five year period, which means if my if the CPI is at 4.35, then 9.35 is the investment objective, is it? Yep. The benchmark. Yeah. And investment but we are not going at that rate of interest. Right? The current investment returns are not at 9% or 10%, right? They're lower. Yes. There's one, two. Okay. Sure. Just one second. Investment strategy. Utilizing a core satellite investment portfolio, we are able to invest into diversified range of investments with a focus on capital growth. Okay. Okay. Then the growth part. Okay. A lot to read. And then there's a pie chart. Okay. And I still go for go past the pie chart? Yep. Yep. Strategy recommendations. Yep. Alright. Yep. Yep. Okay. Yeah. I'm going through that sorry. I'm going through that changing your underlying investments paragraph, and it does not give me I mean, yeah, does not have any guarantees there. Yeah. Okay. Yep. Mhmm. Okay. Yep. Okay. Understood. Yep. Yep. Yeah. Yeah. Yeah. Yep. Yeah. Okay. Yeah. We have internal. What is that percentage between how do you what do we call it? Yep. Yep. Understood. Yep. Page 15 is this and then alternate is considered. Yeah. So that is oh, page oh, page number on the p oh, this is the dot com. There's a different page number. Sorry. Sorry. Okay. I I see. I see. There's a page number at the footnote of each page. Okay. Page number 15. Yes. I'm on the table here. Yep. Yep. Hold on. Hold on. I'm in the lump sum comparison. Adviser fee fee then net contributions per annum. Net contributions per annum, what does that mean? What is the difference? Yeah. Yeah. Yeah. So the my current, if I don't make any contributions out of pocket, then that's $1,561,569.00, is it? And the recommended is $275.80. That is net after all deductions on the $32,500. Okay. I need to understand why is it why is it not an impact on my take home pay? Because if I do an extra contribution, concession contribution, then will it not deduct, I mean, will it not reduce my take home pay by that much? Mhmm. Mhmm. Oh, so oh, it reduces my tax liability by $68 for every $100 if I take it out of my I mean, I'm I make the extra contributions to Super, you mean? Mhmm. Mhmm. Mhmm. Yeah. Yeah. Yeah. Okay. Understood. Understood. Yeah. Cool. So Okay. So the current is 8.12 and the recommended is 10.62. That's the five year rolling average. Okay. Okay. So I'm just going to come back to the net contributions. You said that 27,580 is after all the deductions and tax deductions on the super. So from 30 to 500, the figure comes down to 27,580 that is available for investment. Correct? Okay. So it's it's that large figure. It's $4,000. Wow. Wow. Okay. I said, see, the current limit for super with the concessional contribution is 30 to 500. Now I see a net contribution in the recommended column at $275.80. Yeah. So that's around little shy of $5,000 for the year. Wow. That's a big number. Yep. Good. Yes. Yeah. Yeah. Wow. Yeah. Cool. Alright. Let's move on to the next page. Is it now? Okay. So lump sum in five years, current will go to $2.57. The recommended will go to $3.55. That's with the 10 whatever recommendation rolling average. Yep. Okay. And lump sum in ten years, currently reach $3.72, but the recommended will reach $6.20. Okay. Yep. So the salary sacrifice contributions have to be a constant, you're saying. Yep. Understood. Okay. Okay. Brilliant. Brilliant. Alright. Okay. So shall I jump to that one right now in the appendix or are we going one item after another? How how how will you driving it? Yep. Sure. One, three, five, and ten years. Yes. Analyze investment returns. Yes. Yes. Right. Okay. Okay. Okay. Yeah. Yep. Yep. Does it go for five years, does it drop always? Alright. Yeah. Alright. So this is more of a conservative approach taken right now? Is that how it is? Okay. Yep. Yeah. Yeah. Yeah. Exactly. Alright. Good. Like, I think it's in every eight years there's a market drop. If not, seven or eight years is the cycle currently. Yep. Okay. Yep. Yep. Yep. Exactly. Cool. Alright. Yep. Mhmm. Yeah. Okay. Okay. Just give me one second. I think I need my glasses for this now. Yeah. Just one second. My glasses. Hi. All good? Hi. I'll see you. I'll see you. I'm on the phone. Sorry. Sorry, Tommy. It is not steady. Yeah. Alright. Where's the page? Yep. Alright. Got it. Uh-huh. Yep. Okay. Alright. Cool. Yeah. Mhmm. Yep. Yep. Yep. Mhmm. Yep. We got shares to 5% bringing it down. IShares to 14% bumping it up by another six odd percent. IShares from 20 to 30. Alright. Yeah. Yeah. Yep. Yep. Yep. Mhmm. Mhmm. Oh, okay. Alright. Okay. Okay. Yeah. Okay. Okay. So iShares for Europe, MSCI for Japan, and Vanguard on world. Okay. Excluding this. Okay. Right. Right. Yeah. Okay. And then invest 20%. Okay. So 20% is going to be a large contribution to Australia, 200. Okay. Yep. Yeah. Okay. Okay. Alright. And of of these, that that you're recommending, ISHES Europe or ISHES Japan, Vanguard, all world excluding US, are they kind of performing right now or are they at the top of their performance? Are we investing them at the top of the performance at the top or how are they placed right now? Okay. So yeah. Yeah. Yeah. Right. So you're adding another 1.97 to it. Okay. Yep. Okay. Okay. See, in my personal experience, the only reason why I ask is in my personal experience, when I have touched something, it is not turned to gold. It is turned to stone. That I know where I can fail. So that's why the question yeah. Let's not invest at the top because the next thing it it is going to do is go down. So yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yep. And for the whole world, excluding US, you're you're talking about other countries getting more manufacturing outside of China. That is not going to happen for the next ten, twenty years, isn't it? With China making and selling electric cars and everything else, do we really think that the whole world is going to really experience a boom or something or pick up sometime soon? Oh, okay. Oh, okay. Oh, okay. And what countries I mean, just for information's sake. Uh-huh. Okay. Mhmm. Yeah. Yeah. Yeah. Okay. We're not banking in any of these. We're not banking heavily on the AI. Right? Because yeah. Okay. Because I I have a feeling that they it's typical just like the Internet, just like anything else. The AI is a bubble and it'll burst. I'm not saying it's fake, but it'll take some time before it really gets picked up to or used or applied to its full potential. So yeah. Nope. Yeah. Exactly. Yeah. That makes the question. Yeah. Exactly. That makes sense. Yep. That makes Yep. Cool. The cash table is target rate is 1.25. Okay. Okay. Yep. So reducing the cash component there. Yep. And then the yeah. Mhmm. Yeah. Yep. Yep. Okay. Alright. Mhmm. Mhmm. Yep. Okay. International liquid is 55. Okay. Okay. Yep. Yeah. Property zero. Yep. Yeah. Okay. Alright. $82.90 is the band, right, for the growth? Yeah. Alright. Mhmm. Yep. Fixed interest is proposed to 13.83. Yeah. Okay. So defensive total, sorry, defensive total is at 20%. It'll go down to 15%, right? So the last line, defensive total, alternative defensive assets have been reduced to zero. So am I so from a portfolio risk profile perspective, I'm sitting into the sitting in the 80 to 90%. Is that a high risk profile? One below high risk and one above medium. Yeah. Okay. Right. Okay. And you advise staying in the eighty two percent nine 80 to 90% that is in the high growth? No. Yeah. High growth. Right? That's what it is called? Okay. So you still advise staying between the 80 to 90 and there's no reason for us to look at any more defensive or debt based assets? Yep. Alright. Okay. Okay. Alright. Give it as it right now. Oh, yeah. That makes sense. But then I also have to have a job for that. Right? If there's a market downturn and if it's that drastic, very likely that a lot many people will lose jobs. Yes. Yeah. Exactly. Exactly. Yep. Yep. Yeah. Yep. Let's go forward. Yeah. That makes a lot of sense. I'll I'll go through it more with more focus after the call. But, yeah, the table does give me the information. Yeah. Okay. Nope. Yeah. The table is quite clear. Yep. Okay. Service sacrifice for 13,000 tax saved is around 6,000 or less. And the net income goes down by 8,000. Yep. Yep. Go for it. On the tax, you mean? Mhmm. So I'm I'm a little confused when you say per fortnight, I have to pay $5.38 for the super. That is pretax. So my tax liability goes down. I understand that. But fortnightly, I'm not getting the $500 also. Right? Okay. Okay. That is this is something that does not make sense to me. I I I I know what you mean. It is it is all based on the tax liability that gives me money back because I've saved some money pretax. So the the tax liability is low, but it does take the money out of my fortnightly pay. Right? My fortnightly taxable income in hand. Let's say my fortnightly I'm on paid pay calculator. I've just put in this number, 153286, and my fortnightly pay is 4323. Now if I add the salary cycle file yep. 4323. Uh-huh. I get it. I now I understand what you're saying. So 4323 is without the salary sacrifice, point six two, okay, minus. And then if I add the salary sacrifice, my take home is $39.09 1.09. That's $332 reduced. Oh, okay. Uh-huh. Yeah. Yeah. Yeah. I'm sure. Yeah. That's like a standard, isn't it? Everyone uses that. Yeah. Yeah. Yeah. Yeah. It is brilliant. Yeah. Yeah. Yeah. So, effectively, I'm putting 500 there, but then my deduction is only 320 300 32. Okay. I need to work out on this one with my company because I have a limited lease going on on my salary. Two. Mhmm. Yes. I asked them to stop it because of the cost of living crisis. The investor property is bleeding us out with that interest rate, not forget the interest rate, but it's a weekly $1,000 flat. I have to pay for that investment property. So yeah. And what has happened is because I had put it on sale and it's not, you know, I we couldn't sell it. I still had to pay I still have to pay my broker the $8,000 for the staging and real estate charges, you know, all of those that jazz that goes on with selling, advertising and everything. So and I don't have any money in my pocket. I had to I lost some money in my investments last year, and it wiped out it wiped out. So it wiped out a lot of money from my pocket. I had some good $30.40 grand that I was thinking that this year I'll pump in in my concessional to recover for the carry forwards on the ATO for the supers, but I lost all that money. All that money is gone. It's a write off. So we decide to sell the house. Yes. My offset account is now probably worth only $13,000 or something. Alright. So I'm I'm holding that 13,000. And out of the rent, I have to pay the broker for the advertising and staging and all those costs. And also the crisis, you know, the it's so expensive now. Everything's moved up. So I've stopped contributing right now temporarily. Once I've paid the broker probably in another month, so by October. By October or November, I will resume my super contributions so that I will have some savings coming from the rent. Currently, the rent is servicing everything. It just comes in, the salaries just go out, and the rent just goes out. So Mhmm. Yes. Oh, yeah. Oh, that is definitely helpful, mate. Yeah. In fact, for Meenal and myself, Meenal hasn't been contributing to her salary to her salary sacrifice ever before because we've just been, you know, through all of these jazz. So yeah. So if that's possible, and I can stretch it till January, then Meenal and I, you can make a note of it. Meenal and I can start January 2027 to start making those salary sacrifices. We'll be in a better condition with some more savings, you know, at least for a couple of months, I don't know, $1,520,000 in the office. Yeah. Yeah. Yeah. Yeah. Yeah. Yes, please. Thank you, mate. That's definitely quite reassuring and very helpful right now. Yeah. Yep. Mhmm. Mhmm. Oh, yeah. Exactly. That will be a relief. Definitely. There's no doubt about it. Yeah. Yeah. Cool. Alright. Yes. Very much, Tommy. This is, frankly, has been the best call with you I've had till date. Yes. Yeah. Yeah. Definitely. I mean, the information that you've put in and the way you've just taken me through all that information has been quite insightful because all our earlier calls with Kyle, and nothing wrong with Kyle Giddings, but all the calls have been he's taken me through those numbers, but I had never seen anything in front of me as a document. I will only get that as a document to sign, and then nothing I mean, nothing made sense because the call was done before when I was not looking at anything. Now you've taken me through the documents, so I know there are touch points that I can go and read and understand more deeply. Yeah. Yeah. Oh, 100%. 100%. Makes a lot of difference. Yeah. Yes, please. Alright. So I have to sign it and send it to you now? Oh, yeah? Okay. So for the emails, I just have one email right now from your side that says signature request, the the document that you've taken me through. I went to the rest of the document, but I do not see a consent form for hub 24 there in that in any of those pages below. It'll be a different document, isn't it? Okay. Oh, yeah. Yeah. Yeah. There's one of eight, which means there's an okay statement of advice. Of 20 four. Oh, yeah. Yeah. Yep. That's the also called the statement of advice. Then yeah. I paid to the Bendix two. Yeah. Yeah. Yeah. Yeah. Cool. And half 20 four. Yeah. Okay. So the first document is to be signed. The third document is to be signed. Neos protection. Okay. That's all information. Fine. Alright. I'll go through them, and I'll do whatever is required. I think page numb document number five also requires a signature. No. It's just additional information. Alright. Cool. Cool. Cool. Cool. Up 24. Product disclosure statement. Yep. Alright, mate. Tommy, I have everything I need. I'll just read through the first couple of documents. Not that it makes a lot of sense to me, but at least if it if something does not, then at least I can ask. That's why. Yeah. Yep. Yep. Just the thing with meals, yes, if it is rolled over, then are the investments correct, just like we've gone through for mine today? Just a review on your side and if everything looks fine, yes, just a message or an email stating that everything is okay, no change is required or something was resolved. Yes, so sooner the better just because now that we've started and I believe from the last conversation, you also did mention that it will be good for you to look at Nynal's portfolio as well. So that the advice that you give kind of is a wholesome advice for the couple kind of thing. So, yes, so if you can follow-up on that just that part and have that resolved now. Once I sign these off, I know that these investments will roll over to the new ones this Friday, like you said, and the other part remains as minerals. That's it. Once we are on that part, then we are on autopilot. Basically, just review touch points whenever. Yeah. And the term deposit is the same term because it's just like mine? Or Dubai Hybrid. Yeah. Yeah. Hopefully, it's not a lot of money invested there. Yep. Uh-huh. Yep. Alright. Have a look. And, yeah, if you need to have a call with her, just so you know, we're traveling overseas for a family emergency, this Friday, and we'll be back only on the October 8. We'll be gone for about two and a half weeks or a little past week. Yeah. Sure. Yeah. Probably the next call can be together with Mino and me. And we talk about Mino's investments and just an overview of what just like we've done today for myself so that she's also aware of it. And she usually goes through those calls, but then prefers that even I have a second she prefers a second set of files. So, yeah, just that that is the only action that I would probably think after another three or four weeks from now because we are traveling. Yeah. Yeah. Yeah. Alright. Yes. Thank you very much. I appreciate your patience, Ray. It's 07:00. I didn't mean to hold you off to such a long time. Yeah. Likewise, mate. Likewise. Have a good night. Cheers, mate. 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Hey, Tommy. I'm good, mate. How are you? Oh, okay.\n\nLiving the dream. Last call of the day, I'm talking to me. That all of that did not really make a lot of sense together. Yeah. I'm just working, ma'am.\n\nYes. Yes. Yes. I already had put us a name in the calendar, so I was expecting your call. Go for it.\n\nOh, Yep. Okay. Yep. Yes. Date of birth is 07/16/1939, and my address is 12 Catania Muse, Caroline Springs, Victoria 3023.\n\nSure. Just one second. Let's see. Yep. Okay.\n\nDo I need to get on to I'd rather get on to my PC and a bigger screen than the mobile, if you don't mind. Yeah. Just give me one second. Yeah. Yeah.\n\nJust give me one second. Yep. Just headed to my screen. Oh, man. Okay.\n\nI can't because my son is having his class, so I don't have a big career. Let me see. Yeah. Yeah. Yeah.\n\nAlright. I'll just go on my phone. Okay. Yep. Yes.\n\nYep. Yep. I'm on that page here. Okay. Scope of the device considered and limited scope.\n\nJust download that. Yep. I'm on the Yep. Yep. Yep.\n\nYep. Yes. That's correct. Just one second. Current risk profile portfolio.\n\nYes. Life insurance, 1.5. TPD insurance, 1.5. Income protection, 8973. Yes.\n\nAnd what's the next one? My risk profile. Yeah. Yeah. Just a second.\n\nInvestment objective. Investment objective is to achieve a return that exceeds the increase in CPI by at least 4% per annum overall in five year period, which means if my if the CPI is at 4.35, then 9.35 is the investment objective, is it? Yep. The benchmark. Yeah.\n\nAnd investment but we are not going at that rate of interest. Right? The current investment returns are not at 9% or 10%, right? They're lower. Yes.\n\nThere's one, two. Okay. Sure. Just one second. Investment strategy.\n\nUtilizing a core satellite investment portfolio, we are able to invest into diversified range of investments with a focus on capital growth. Okay. Okay. Then the growth part. Okay.\n\nA lot to read. And then there's a pie chart. Okay. And I still go for go past the pie chart? Yep.\n\nYep. Strategy recommendations. Yep. Alright. Yep.\n\nYep. Okay. Yeah. I'm going through that sorry. I'm going through that changing your underlying investments paragraph, and it does not give me I mean, yeah, does not have any guarantees there.\n\nYeah. Okay. Yep. Mhmm. Okay.\n\nYep. Okay. Understood. Yep. Yep.\n\nYeah. Yeah. Yeah. Yep. Yeah.\n\nOkay. Yeah. We have internal. What is that percentage between how do you what do we call it? Yep.\n\nYep. Understood. Yep. Page 15 is this and then alternate is considered. Yeah.\n\nSo that is oh, page oh, page number on the p oh, this is the dot com. There's a different page number. Sorry. Sorry. Okay.\n\nI I see. I see. There's a page number at the footnote of each page. Okay. Page number 15.\n\nYes. I'm on the table here. Yep. Yep. Hold on.\n\nHold on. I'm in the lump sum comparison. Adviser fee fee then net contributions per annum. Net contributions per annum, what does that mean? What is the difference?\n\nYeah. Yeah. Yeah. So the my current, if I don't make any contributions out of pocket, then that's $1,561,569.00, is it? And the recommended is $275.80.\n\nThat is net after all deductions on the $32,500. Okay. I need to understand why is it why is it not an impact on my take home pay? Because if I do an extra contribution, concession contribution, then will it not deduct, I mean, will it not reduce my take home pay by that much? Mhmm.\n\nMhmm. Oh, so oh, it reduces my tax liability by $68 for every $100 if I take it out of my I mean, I'm I make the extra contributions to Super, you mean? Mhmm. Mhmm. Mhmm.\n\nYeah. Yeah. Yeah. Okay. Understood.\n\nUnderstood. Yeah. Cool. So Okay. So the current is 8.12 and the recommended is 10.62.\n\nThat's the five year rolling average. Okay. Okay. So I'm just going to come back to the net contributions. You said that 27,580 is after all the deductions and tax deductions on the super.\n\nSo from 30 to 500, the figure comes down to 27,580 that is available for investment. Correct? Okay. So it's it's that large figure. It's $4,000.\n\nWow. Wow. Okay. I said, see, the current limit for super with the concessional contribution is 30 to 500. Now I see a net contribution in the recommended column at $275.80.\n\nYeah. So that's around little shy of $5,000 for the year. Wow. That's a big number. Yep.\n\nGood. Yes. Yeah. Yeah. Wow.\n\nYeah. Cool. Alright. Let's move on to the next page. Is it now?\n\nOkay. So lump sum in five years, current will go to $2.57. The recommended will go to $3.55. That's with the 10 whatever recommendation rolling average. Yep.\n\nOkay. And lump sum in ten years, currently reach $3.72, but the recommended will reach $6.20. Okay. Yep. So the salary sacrifice contributions have to be a constant, you're saying.\n\nYep. Understood. Okay. Okay. Brilliant.\n\nBrilliant. Alright. Okay. So shall I jump to that one right now in the appendix or are we going one item after another? How how how will you driving it?\n\nYep. Sure. One, three, five, and ten years. Yes. Analyze investment returns.\n\nYes. Yes. Right. Okay. Okay.\n\nOkay. Yeah. Yep. Yep. Does it go for five years, does it drop always?\n\nAlright. Yeah. Alright. So this is more of a conservative approach taken right now? Is that how it is?\n\nOkay. Yep. Yeah. Yeah. Yeah.\n\nExactly. Alright. Good. Like, I think it's in every eight years there's a market drop. If not, seven or eight years is the cycle currently.\n\nYep. Okay. Yep. Yep. Yep.\n\nExactly. Cool. Alright. Yep. Mhmm.\n\nYeah. Okay. Okay. Just give me one second. I think I need my glasses for this now.\n\nYeah. Just one second. My glasses. Hi. All good?\n\nHi. I'll see you. I'll see you. I'm on the phone. Sorry.\n\nSorry, Tommy. It is not steady. Yeah. Alright. Where's the page?\n\nYep. Alright. Got it. Uh-huh. Yep.\n\nOkay. Alright. Cool. Yeah. Mhmm.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nWe got shares to 5% bringing it down. IShares to 14% bumping it up by another six odd percent. IShares from 20 to 30. Alright. Yeah.\n\nYeah. Yep. Yep. Yep. Mhmm.\n\nMhmm. Oh, okay. Alright. Okay. Okay.\n\nYeah. Okay. Okay. So iShares for Europe, MSCI for Japan, and Vanguard on world. Okay.\n\nExcluding this. Okay. Right. Right. Yeah.\n\nOkay. And then invest 20%. Okay. So 20% is going to be a large contribution to Australia, 200. Okay.\n\nYep. Yeah. Okay. Okay. Alright.\n\nAnd of of these, that that you're recommending, ISHES Europe or ISHES Japan, Vanguard, all world excluding US, are they kind of performing right now or are they at the top of their performance? Are we investing them at the top of the performance at the top or how are they placed right now? Okay. So yeah. Yeah.\n\nYeah. Right. So you're adding another 1.97 to it. Okay. Yep.\n\nOkay. Okay. See, in my personal experience, the only reason why I ask is in my personal experience, when I have touched something, it is not turned to gold. It is turned to stone. That I know where I can fail.\n\nSo that's why the question yeah. Let's not invest at the top because the next thing it it is going to do is go down. So yeah. Yeah. Yeah.\n\nYeah. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Yep. And for the whole world, excluding US, you're you're talking about other countries getting more manufacturing outside of China. That is not going to happen for the next ten, twenty years, isn't it? With China making and selling electric cars and everything else, do we really think that the whole world is going to really experience a boom or something or pick up sometime soon?\n\nOh, okay. Oh, okay. Oh, okay. And what countries I mean, just for information's sake. Uh-huh.\n\nOkay. Mhmm. Yeah. Yeah. Yeah.\n\nOkay. We're not banking in any of these. We're not banking heavily on the AI. Right? Because yeah.\n\nOkay. Because I I have a feeling that they it's typical just like the Internet, just like anything else. The AI is a bubble and it'll burst. I'm not saying it's fake, but it'll take some time before it really gets picked up to or used or applied to its full potential. So yeah.\n\nNope. Yeah. Exactly. Yeah. That makes the question.\n\nYeah. Exactly. That makes sense. Yep. That makes Yep.\n\nCool. The cash table is target rate is 1.25. Okay. Okay. Yep.\n\nSo reducing the cash component there. Yep. And then the yeah. Mhmm. Yeah.\n\nYep. Yep. Okay. Alright. Mhmm.\n\nMhmm. Yep. Okay. International liquid is 55. Okay.\n\nOkay. Yep. Yeah. Property zero. Yep.\n\nYeah. Okay. Alright. $82.90 is the band, right, for the growth? Yeah.\n\nAlright. Mhmm. Yep. Fixed interest is proposed to 13.83. Yeah.\n\nOkay. So defensive total, sorry, defensive total is at 20%. It'll go down to 15%, right? So the last line, defensive total, alternative defensive assets have been reduced to zero. So am I so from a portfolio risk profile perspective, I'm sitting into the sitting in the 80 to 90%.\n\nIs that a high risk profile? One below high risk and one above medium. Yeah. Okay. Right.\n\nOkay. And you advise staying in the eighty two percent nine 80 to 90% that is in the high growth? No. Yeah. High growth.\n\nRight? That's what it is called? Okay. So you still advise staying between the 80 to 90 and there's no reason for us to look at any more defensive or debt based assets? Yep.\n\nAlright. Okay. Okay. Alright. Give it as it right now.\n\nOh, yeah. That makes sense. But then I also have to have a job for that. Right? If there's a market downturn and if it's that drastic, very likely that a lot many people will lose jobs.\n\nYes. Yeah. Exactly. Exactly. Yep.\n\nYep. Yeah. Yep. Let's go forward. Yeah.\n\nThat makes a lot of sense. I'll I'll go through it more with more focus after the call. But, yeah, the table does give me the information. Yeah. Okay.\n\nNope. Yeah. The table is quite clear. Yep. Okay.\n\nService sacrifice for 13,000 tax saved is around 6,000 or less. And the net income goes down by 8,000. Yep. Yep. Go for it.\n\nOn the tax, you mean? Mhmm. So I'm I'm a little confused when you say per fortnight, I have to pay $5.38 for the super. That is pretax. So my tax liability goes down.\n\nI understand that. But fortnightly, I'm not getting the $500 also. Right? Okay. Okay.\n\nThat is this is something that does not make sense to me. I I I I know what you mean. It is it is all based on the tax liability that gives me money back because I've saved some money pretax. So the the tax liability is low, but it does take the money out of my fortnightly pay. Right?\n\nMy fortnightly taxable income in hand. Let's say my fortnightly I'm on paid pay calculator. I've just put in this number, 153286, and my fortnightly pay is 4323. Now if I add the salary cycle file yep. 4323.\n\nUh-huh. I get it. I now I understand what you're saying. So 4323 is without the salary sacrifice, point six two, okay, minus. And then if I add the salary sacrifice, my take home is $39.09 1.09.\n\nThat's $332 reduced. Oh, okay. Uh-huh. Yeah. Yeah.\n\nYeah. I'm sure. Yeah. That's like a standard, isn't it? Everyone uses that.\n\nYeah. Yeah. Yeah. Yeah. It is brilliant.\n\nYeah. Yeah. Yeah. So, effectively, I'm putting 500 there, but then my deduction is only 320 300 32. Okay.\n\nI need to work out on this one with my company because I have a limited lease going on on my salary. Two. Mhmm. Yes. I asked them to stop it because of the cost of living crisis.\n\nThe investor property is bleeding us out with that interest rate, not forget the interest rate, but it's a weekly $1,000 flat. I have to pay for that investment property. So yeah. And what has happened is because I had put it on sale and it's not, you know, I we couldn't sell it. I still had to pay I still have to pay my broker the $8,000 for the staging and real estate charges, you know, all of those that jazz that goes on with selling, advertising and everything.\n\nSo and I don't have any money in my pocket. I had to I lost some money in my investments last year, and it wiped out it wiped out. So it wiped out a lot of money from my pocket. I had some good $30.40 grand that I was thinking that this year I'll pump in in my concessional to recover for the carry forwards on the ATO for the supers, but I lost all that money. All that money is gone.\n\nIt's a write off. So we decide to sell the house. Yes. My offset account is now probably worth only $13,000 or something. Alright.\n\nSo I'm I'm holding that 13,000. And out of the rent, I have to pay the broker for the advertising and staging and all those costs. And also the crisis, you know, the it's so expensive now. Everything's moved up. So I've stopped contributing right now temporarily.\n\nOnce I've paid the broker probably in another month, so by October. By October or November, I will resume my super contributions so that I will have some savings coming from the rent. Currently, the rent is servicing everything. It just comes in, the salaries just go out, and the rent just goes out. So Mhmm.\n\nYes. Oh, yeah. Oh, that is definitely helpful, mate. Yeah. In fact, for Meenal and myself, Meenal hasn't been contributing to her salary to her salary sacrifice ever before because we've just been, you know, through all of these jazz.\n\nSo yeah. So if that's possible, and I can stretch it till January, then Meenal and I, you can make a note of it. Meenal and I can start January 2027 to start making those salary sacrifices. We'll be in a better condition with some more savings, you know, at least for a couple of months, I don't know, $1,520,000 in the office. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Yes, please.\n\nThank you, mate. That's definitely quite reassuring and very helpful right now. Yeah. Yep. Mhmm.\n\nMhmm. Oh, yeah. Exactly. That will be a relief. Definitely.\n\nThere's no doubt about it. Yeah. Yeah. Cool. Alright.\n\nYes. Very much, Tommy. This is, frankly, has been the best call with you I've had till date. Yes. Yeah.\n\nYeah. Definitely. I mean, the information that you've put in and the way you've just taken me through all that information has been quite insightful because all our earlier calls with Kyle, and nothing wrong with Kyle Giddings, but all the calls have been he's taken me through those numbers, but I had never seen anything in front of me as a document. I will only get that as a document to sign, and then nothing I mean, nothing made sense because the call was done before when I was not looking at anything. Now you've taken me through the documents, so I know there are touch points that I can go and read and understand more deeply.\n\nYeah. Yeah. Oh, 100%. 100%. Makes a lot of difference.\n\nYeah. Yes, please. Alright. So I have to sign it and send it to you now? Oh, yeah?\n\nOkay. So for the emails, I just have one email right now from your side that says signature request, the the document that you've taken me through. I went to the rest of the document, but I do not see a consent form for hub 24 there in that in any of those pages below. It'll be a different document, isn't it? Okay.\n\nOh, yeah. Yeah. Yeah. There's one of eight, which means there's an okay statement of advice. Of 20 four.\n\nOh, yeah. Yeah. Yep. That's the also called the statement of advice. Then yeah.\n\nI paid to the Bendix two. Yeah. Yeah. Yeah. Yeah.\n\nCool. And half 20 four. Yeah. Okay. So the first document is to be signed.\n\nThe third document is to be signed. Neos protection. Okay. That's all information. Fine.\n\nAlright. I'll go through them, and I'll do whatever is required. I think page numb document number five also requires a signature. No. It's just additional information.\n\nAlright. Cool. Cool. Cool. Cool.\n\nUp 24. Product disclosure statement. Yep. Alright, mate. Tommy, I have everything I need.\n\nI'll just read through the first couple of documents. Not that it makes a lot of sense to me, but at least if it if something does not, then at least I can ask. That's why. Yeah. Yep.\n\nYep. Just the thing with meals, yes, if it is rolled over, then are the investments correct, just like we've gone through for mine today? Just a review on your side and if everything looks fine, yes, just a message or an email stating that everything is okay, no change is required or something was resolved. Yes, so sooner the better just because now that we've started and I believe from the last conversation, you also did mention that it will be good for you to look at Nynal's portfolio as well. So that the advice that you give kind of is a wholesome advice for the couple kind of thing.\n\nSo, yes, so if you can follow-up on that just that part and have that resolved now. Once I sign these off, I know that these investments will roll over to the new ones this Friday, like you said, and the other part remains as minerals. That's it. Once we are on that part, then we are on autopilot. Basically, just review touch points whenever.\n\nYeah. And the term deposit is the same term because it's just like mine? Or Dubai Hybrid. Yeah. Yeah.\n\nHopefully, it's not a lot of money invested there. Yep. Uh-huh. Yep. Alright.\n\nHave a look. And, yeah, if you need to have a call with her, just so you know, we're traveling overseas for a family emergency, this Friday, and we'll be back only on the October 8. We'll be gone for about two and a half weeks or a little past week. Yeah. Sure.\n\nYeah. Probably the next call can be together with Mino and me. And we talk about Mino's investments and just an overview of what just like we've done today for myself so that she's also aware of it. And she usually goes through those calls, but then prefers that even I have a second she prefers a second set of files. So, yeah, just that that is the only action that I would probably think after another three or four weeks from now because we are traveling.\n\nYeah. Yeah. Yeah. Alright. Yes.\n\nThank you very much. I appreciate your patience, Ray. It's 07:00. I didn't mean to hold you off to such a long time. Yeah.\n\nLikewise, mate. Likewise. Have a good night. Cheers, mate. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.04245816916227341},{"text":"Hey, Tommy.","start":6.3999996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.26938197016716003},{"text":"I'm good, mate.","start":7.2799997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5522331595420837},{"text":"How are you?","start":7.9199996,"end":8.74,"sentiment":"positive","sentiment_score":0.4218844175338745},{"text":"Oh, okay.","start":13.735,"end":14.455,"sentiment":"neutral","sentiment_score":-0.16274066269397736}],"sentiment":"neutral","sentiment_score":0.2889175923033194,"num_words":11,"start":1.52,"end":14.455},{"sentences":[{"text":"Living the dream.","start":14.455,"end":15.514999,"sentiment":"neutral","sentiment_score":-0.0708438257376353},{"text":"Last call of the day, I'm talking to me.","start":15.575,"end":17.675,"sentiment":"neutral","sentiment_score":-0.2446210351255205},{"text":"That all of that did not really make a lot of sense together.","start":18.855,"end":21.994999,"sentiment":"negative","sentiment_score":-0.5135150070373828},{"text":"Yeah.","start":25.91,"end":26.15,"sentiment":"neutral","sentiment_score":0.2461947798728943},{"text":"I'm just working, ma'am.","start":26.15,"end":27.449999,"sentiment":"positive","sentiment_score":0.40526117384433746}],"sentiment":"neutral","sentiment_score":-0.24075254698594412,"num_words":30,"start":14.455,"end":27.449999},{"sentences":[{"text":"Yes.","start":32.309998,"end":32.79,"sentiment":"neutral","sentiment_score":0.07500790059566498},{"text":"Yes.","start":32.79,"end":33.11,"sentiment":"neutral","sentiment_score":0.08011194318532944},{"text":"Yes.","start":33.11,"end":33.51,"sentiment":"neutral","sentiment_score":0.10158893465995789},{"text":"I already had put us a name in the calendar, so I was expecting your call.","start":33.51,"end":39.35,"sentiment":"neutral","sentiment_score":0.14517941186204553},{"text":"Go for it.","start":39.35,"end":39.885,"sentiment":"neutral","sentiment_score":0.2602619230747223}],"sentiment":"neutral","sentiment_score":0.15274386988444763,"num_words":22,"start":32.309998,"end":39.885},{"sentences":[{"text":"Oh, Yep.","start":45.245,"end":54.12,"sentiment":"neutral","sentiment_score":0.04279190395027399},{"text":"Okay.","start":54.12,"end":54.6,"sentiment":"neutral","sentiment_score":0.03430766239762306},{"text":"Yep.","start":54.6,"end":55.1,"sentiment":"neutral","sentiment_score":0.037162210792303085},{"text":"Yes.","start":64.36,"end":64.695,"sentiment":"neutral","sentiment_score":0.015288671478629112},{"text":"Date of birth is 07/16/1939, and my address is 12 Catania Muse, Caroline Springs, Victoria 3023.","start":65.655,"end":72.315,"sentiment":"neutral","sentiment_score":0.013976645655930042}],"sentiment":"neutral","sentiment_score":0.018855651574475423,"num_words":21,"start":45.245,"end":72.315},{"sentences":[{"text":"Sure.","start":80.92,"end":81.42,"sentiment":"neutral","sentiment_score":0.06726150214672089},{"text":"Just one second.","start":83.240005,"end":84.62,"sentiment":"neutral","sentiment_score":0.029601506267984707},{"text":"Let's see.","start":86.36,"end":87.16,"sentiment":"neutral","sentiment_score":0.03257386572659016},{"text":"Yep.","start":87.16,"end":87.66,"sentiment":"neutral","sentiment_score":0.05172803997993469},{"text":"Okay.","start":88.76,"end":89.26,"sentiment":"neutral","sentiment_score":0.07697369903326035}],"sentiment":"neutral","sentiment_score":0.043739436427131295,"num_words":8,"start":80.92,"end":89.26},{"sentences":[{"text":"Do I need to get on to I'd rather get on to my PC and a bigger screen than the mobile, if you don't mind.","start":90.200005,"end":97.955,"sentiment":"neutral","sentiment_score":-0.016014935355633496},{"text":"Yeah.","start":99.455,"end":99.775,"sentiment":"neutral","sentiment_score":0.01501217484474182},{"text":"Just give me one second.","start":99.775,"end":100.995,"sentiment":"neutral","sentiment_score":0.009481276012957096},{"text":"Yeah.","start":101.615,"end":101.935,"sentiment":"neutral","sentiment_score":0.018931401893496513},{"text":"Yeah.","start":101.935,"end":102.175,"sentiment":"neutral","sentiment_score":0.016744859516620636}],"sentiment":"neutral","sentiment_score":-0.009159956593066454,"num_words":33,"start":90.200005,"end":102.175},{"sentences":[{"text":"Just give me one second.","start":102.175,"end":103.555,"sentiment":"neutral","sentiment_score":0.004262473434209824},{"text":"Yep.","start":109.32,"end":109.82,"sentiment":"neutral","sentiment_score":0.0114097623154521},{"text":"Just headed to my screen.","start":111.64,"end":113.42,"sentiment":"neutral","sentiment_score":-0.013049867376685143},{"text":"Oh, man.","start":114.200005,"end":115.340004,"sentiment":"neutral","sentiment_score":-0.08661036938428879},{"text":"Okay.","start":116.6,"end":117.1,"sentiment":"neutral","sentiment_score":-0.13839426636695862}],"sentiment":"neutral","sentiment_score":-0.024581586609461477,"num_words":14,"start":102.175,"end":117.1},{"sentences":[{"text":"I can't because my son is having his class, so I don't have a big career.","start":117.240005,"end":121.605,"sentiment":"neutral","sentiment_score":-0.2268870361149311},{"text":"Let me see.","start":123.104996,"end":124.085,"sentiment":"neutral","sentiment_score":-0.02030707833667596},{"text":"Yeah.","start":124.145,"end":124.305,"sentiment":"neutral","sentiment_score":-0.005516132339835167},{"text":"Yeah.","start":124.305,"end":124.665,"sentiment":"neutral","sentiment_score":-0.0022981632500886917},{"text":"Yeah.","start":124.665,"end":125.025,"sentiment":"neutral","sentiment_score":0.0026768315583467484}],"sentiment":"neutral","sentiment_score":-0.1680114216763865,"num_words":22,"start":117.240005,"end":125.025},{"sentences":[{"text":"Alright.","start":125.025,"end":125.425,"sentiment":"neutral","sentiment_score":0.015778902918100357},{"text":"I'll just go on my phone.","start":125.425,"end":126.965,"sentiment":"neutral","sentiment_score":0.013783149731655916},{"text":"Okay.","start":142.86,"end":143.36,"sentiment":"neutral","sentiment_score":0.04816498979926109},{"text":"Yep.","start":144.14,"end":144.64,"sentiment":"neutral","sentiment_score":-0.018983706831932068},{"text":"Yes.","start":146.14,"end":146.64,"sentiment":"neutral","sentiment_score":0.14601518213748932}],"sentiment":"neutral","sentiment_score":0.02736742664128542,"num_words":10,"start":125.025,"end":146.64},{"sentences":[{"text":"Yep.","start":152.92499,"end":153.42499,"sentiment":"neutral","sentiment_score":0.08727125823497772},{"text":"Yep.","start":155.165,"end":155.64499,"sentiment":"neutral","sentiment_score":0.0678790956735611},{"text":"I'm on that page here.","start":155.64499,"end":156.94499,"sentiment":"neutral","sentiment_score":0.05934172607958317},{"text":"Okay.","start":187.835,"end":188.315,"sentiment":"neutral","sentiment_score":0.06458408385515213},{"text":"Scope of the device considered and limited scope.","start":188.315,"end":191.775,"sentiment":"neutral","sentiment_score":0.042394192423671484}],"sentiment":"neutral","sentiment_score":0.053474787971936166,"num_words":16,"start":152.92499,"end":191.775},{"sentences":[{"text":"Just download that.","start":193.81999,"end":195.09999,"sentiment":"neutral","sentiment_score":0.08354127158721288},{"text":"Yep.","start":195.09999,"end":195.59999,"sentiment":"neutral","sentiment_score":0.09623700380325316},{"text":"I'm on the 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portfolio.","start":290.185,"end":291.885,"sentiment":"neutral","sentiment_score":-0.002012167824432254}],"sentiment":"neutral","sentiment_score":0.08711760491132736,"num_words":11,"start":265.375,"end":291.885},{"sentences":[{"text":"Yes.","start":292.42502,"end":292.825,"sentiment":"neutral","sentiment_score":0.030586889013648033},{"text":"Life insurance, 1.5.","start":292.825,"end":294.58502,"sentiment":"neutral","sentiment_score":0.0264602688451608},{"text":"TPD insurance, 1.5.","start":294.58502,"end":296.525,"sentiment":"neutral","sentiment_score":0.019644266615311306},{"text":"Income protection, 8973.","start":297.225,"end":299.465,"sentiment":"neutral","sentiment_score":0.018530122935771942},{"text":"Yes.","start":299.465,"end":299.785,"sentiment":"neutral","sentiment_score":0.03943445906043053}],"sentiment":"neutral","sentiment_score":0.023993211205710064,"num_words":11,"start":292.42502,"end":299.785},{"sentences":[{"text":"And what's the next one?","start":299.785,"end":301.165,"sentiment":"neutral","sentiment_score":0.01651482339948416},{"text":"My risk profile.","start":303.77,"end":304.83,"sentiment":"neutral","sentiment_score":0.0006876525779565176},{"text":"Yeah.","start":306.41,"end":306.91,"sentiment":"neutral","sentiment_score":0.049160875380039215},{"text":"Yeah.","start":307.61,"end":308.11,"sentiment":"neutral","sentiment_score":0.05609606206417084},{"text":"Just a second.","start":320.405,"end":321.30502,"sentiment":"neutral","sentiment_score":0.013478529639542103}],"sentiment":"neutral","sentiment_score":0.01771766162262513,"num_words":13,"start":299.785,"end":321.30502},{"sentences":[{"text":"Investment objective.","start":321.52502,"end":322.58502,"sentiment":"neutral","sentiment_score":0.02089102193713188},{"text":"Investment objective is to achieve a return that exceeds the increase in CPI by at least 4% per annum overall in five year period, which means if my if the CPI is at 4.35, then 9.35 is the investment objective, is it?","start":324.96503,"end":342.99,"sentiment":"neutral","sentiment_score":0.0531062009478254},{"text":"Yep.","start":344.535,"end":345.035,"sentiment":"neutral","sentiment_score":0.008507339283823967},{"text":"The benchmark.","start":346.055,"end":346.795,"sentiment":"neutral","sentiment_score":-0.021993404254317284},{"text":"Yeah.","start":346.855,"end":347.355,"sentiment":"neutral","sentiment_score":-0.021417027339339256}],"sentiment":"neutral","sentiment_score":0.04615304139830793,"num_words":48,"start":321.52502,"end":347.355},{"sentences":[{"text":"And investment but we are not going at that rate of interest.","start":347.975,"end":352.615,"sentiment":"neutral","sentiment_score":-0.13361072291930517},{"text":"Right?","start":352.615,"end":353.115,"sentiment":"neutral","sentiment_score":-0.03564521670341492},{"text":"The current investment returns are not at 9% or 10%, right?","start":353.975,"end":360.03998,"sentiment":"neutral","sentiment_score":-0.11345599117604169},{"text":"They're lower.","start":360.03998,"end":360.78,"sentiment":"neutral","sentiment_score":-0.20444010198116302},{"text":"Yes.","start":362.59998,"end":363.09998,"sentiment":"neutral","sentiment_score":-0.0064318496733903885}],"sentiment":"neutral","sentiment_score":-0.12230747586323155,"num_words":27,"start":347.975,"end":363.09998},{"sentences":[{"text":"There's one, two.","start":364.91998,"end":365.81998,"sentiment":"neutral","sentiment_score":-0.03699850539366404},{"text":"Okay.","start":367.08,"end":367.58,"sentiment":"neutral","sentiment_score":0.002309197559952736},{"text":"Sure.","start":371.185,"end":371.685,"sentiment":"neutral","sentiment_score":0.02374180220067501},{"text":"Just one second.","start":371.98502,"end":372.785,"sentiment":"neutral","sentiment_score":0.011517500504851341},{"text":"Investment strategy.","start":372.785,"end":373.905,"sentiment":"neutral","sentiment_score":0.023949370719492435}],"sentiment":"neutral","sentiment_score":-0.00024932734668254853,"num_words":10,"start":364.91998,"end":373.905},{"sentences":[{"text":"Utilizing a core satellite investment portfolio, we are able to invest into diversified range of investments with a focus on capital growth.","start":373.905,"end":380.945,"sentiment":"neutral","sentiment_score":0.1016643572260033},{"text":"Okay.","start":380.945,"end":381.445,"sentiment":"neutral","sentiment_score":0.0534648634493351},{"text":"Okay.","start":381.98502,"end":382.48502,"sentiment":"neutral","sentiment_score":0.04450748860836029},{"text":"Then the growth part.","start":382.545,"end":384.085,"sentiment":"neutral","sentiment_score":0.05090978182852268},{"text":"Okay.","start":384.305,"end":384.805,"sentiment":"neutral","sentiment_score":0.05804897099733353}],"sentiment":"neutral","sentiment_score":0.08952676928762732,"num_words":29,"start":373.905,"end":384.805},{"sentences":[{"text":"A lot to read.","start":385.24,"end":386.46,"sentiment":"neutral","sentiment_score":0.05143629014492035},{"text":"And then there's a pie chart.","start":386.68,"end":388.78,"sentiment":"neutral","sentiment_score":0.02442131657153368},{"text":"Okay.","start":389.0,"end":389.5,"sentiment":"neutral","sentiment_score":0.0234348326921463},{"text":"And I still go for go past the pie 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have internal.","start":596.20496,"end":598.225,"sentiment":"neutral","sentiment_score":0.1482164810101191},{"text":"What is that percentage between how do you what do we call it?","start":609.96497,"end":616.71,"sentiment":"neutral","sentiment_score":0.043182886277253814},{"text":"Yep.","start":632.615,"end":633.115,"sentiment":"neutral","sentiment_score":-0.02433355152606964}],"sentiment":"neutral","sentiment_score":0.060871710706698265,"num_words":19,"start":594.62,"end":633.115},{"sentences":[{"text":"Yep.","start":641.97003,"end":642.37,"sentiment":"neutral","sentiment_score":0.013151710852980614},{"text":"Understood.","start":642.37,"end":642.87,"sentiment":"neutral","sentiment_score":0.0007033863803371787},{"text":"Yep.","start":643.17004,"end":643.67004,"sentiment":"neutral","sentiment_score":0.04574190080165863},{"text":"Page 15 is this and then alternate is 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number.","start":669.77,"end":671.05,"sentiment":"neutral","sentiment_score":-0.01740961745381355},{"text":"Sorry.","start":671.05,"end":671.29,"sentiment":"neutral","sentiment_score":-0.05250686779618263},{"text":"Sorry.","start":671.29,"end":671.61,"sentiment":"neutral","sentiment_score":-0.04574989899992943},{"text":"Okay.","start":671.61,"end":671.85,"sentiment":"neutral","sentiment_score":-0.0040830811485648155}],"sentiment":"neutral","sentiment_score":0.005347586050629616,"num_words":25,"start":661.235,"end":671.85},{"sentences":[{"text":"I I see.","start":671.85,"end":672.49,"sentiment":"neutral","sentiment_score":-0.01240152275810639},{"text":"I see.","start":672.49,"end":673.13,"sentiment":"neutral","sentiment_score":0.007612310815602542},{"text":"There's a page number at the footnote of each 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move on to the next page.","start":977.58496,"end":979.505,"sentiment":"neutral","sentiment_score":0.1079953100000109},{"text":"Is it now?","start":979.505,"end":980.40497,"sentiment":"neutral","sentiment_score":0.07251136749982834}],"sentiment":"neutral","sentiment_score":0.14336029440164566,"num_words":13,"start":975.665,"end":980.40497},{"sentences":[{"text":"Okay.","start":985.54004,"end":985.86005,"sentiment":"neutral","sentiment_score":0.04524140805006027},{"text":"So lump sum in five years, current will go to $2.57.","start":985.86005,"end":989.72003,"sentiment":"neutral","sentiment_score":0.04458902031183243},{"text":"The recommended will go to $3.55.","start":990.26,"end":992.68005,"sentiment":"neutral","sentiment_score":0.0674990148593982},{"text":"That's with the 10 whatever recommendation rolling 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it go for five years, does it drop always?","start":1080.405,"end":1083.9451,"sentiment":"neutral","sentiment_score":-0.06803347580134869}],"sentiment":"neutral","sentiment_score":-0.044264375431729217,"num_words":14,"start":1071.35,"end":1083.9451},{"sentences":[{"text":"Alright.","start":1093.17,"end":1093.5701,"sentiment":"neutral","sentiment_score":-0.064295694231987},{"text":"Yeah.","start":1093.5701,"end":1094.0701,"sentiment":"neutral","sentiment_score":-0.06978689879179001},{"text":"Alright.","start":1099.89,"end":1100.29,"sentiment":"neutral","sentiment_score":-0.00005034481728216633},{"text":"So this is more of a conservative approach taken right now?","start":1100.29,"end":1103.43,"sentiment":"neutral","sentiment_score":0.016686020588332958},{"text":"Is that how it is?","start":1103.49,"end":1104.71,"sentiment":"neutral","sentiment_score":0.00797670502215624}],"sentiment":"neutral","sentiment_score":0.004699832302178133,"num_words":19,"start":1093.17,"end":1104.71},{"sentences":[{"text":"Okay.","start":1104.93,"end":1105.43,"sentiment":"neutral","sentiment_score":0.02140537090599537},{"text":"Yep.","start":1110.985,"end":1111.485,"sentiment":"neutral","sentiment_score":0.07408958673477173},{"text":"Yeah.","start":1112.665,"end":1112.985,"sentiment":"neutral","sentiment_score":0.0126483216881752},{"text":"Yeah.","start":1112.985,"end":1113.3049,"sentiment":"neutral","sentiment_score":0.030628088861703873},{"text":"Yeah.","start":1113.3049,"end":1113.625,"sentiment":"neutral","sentiment_score":0.041038841009140015}],"sentiment":"neutral","sentiment_score":0.035962041839957236,"num_words":5,"start":1104.93,"end":1113.625},{"sentences":[{"text":"Exactly.","start":1113.625,"end":1114.125,"sentiment":"neutral","sentiment_score":0.123771570622921},{"text":"Alright.","start":1114.265,"end":1114.665,"sentiment":"neutral","sentiment_score":0.2150329053401947},{"text":"Good.","start":1114.665,"end":1115.165,"sentiment":"positive","sentiment_score":0.34239500761032104},{"text":"Like, I think it's in every eight years there's a market drop.","start":1115.385,"end":1119.34,"sentiment":"neutral","sentiment_score":-0.03088129994769891},{"text":"If not, seven or eight years is the cycle currently.","start":1119.34,"end":1124.22,"sentiment":"neutral","sentiment_score":-0.05382975079119205}],"sentiment":"neutral","sentiment_score":-0.00910694494843483,"num_words":25,"start":1113.625,"end":1124.22},{"sentences":[{"text":"Yep.","start":1124.22,"end":1124.5399,"sentiment":"neutral","sentiment_score":0.015790477395057678},{"text":"Okay.","start":1124.5399,"end":1125.0399,"sentiment":"neutral","sentiment_score":0.02167746052145958},{"text":"Yep.","start":1129.4199,"end":1129.9199,"sentiment":"neutral","sentiment_score":0.00432427367195487},{"text":"Yep.","start":1135.065,"end":1135.3049,"sentiment":"neutral","sentiment_score":0.053544782102108},{"text":"Yep.","start":1135.3049,"end":1135.545,"sentiment":"neutral","sentiment_score":0.08701847493648529}],"sentiment":"neutral","sentiment_score":0.03647109372541309,"num_words":5,"start":1124.22,"end":1135.545},{"sentences":[{"text":"Exactly.","start":1135.545,"end":1136.045,"sentiment":"neutral","sentiment_score":0.21968898177146912},{"text":"Cool.","start":1136.905,"end":1136.985,"sentiment":"neutral","sentiment_score":0.3216583728790283},{"text":"Alright.","start":1136.985,"end":1137.485,"sentiment":"neutral","sentiment_score":0.2658211886882782},{"text":"Yep.","start":1137.545,"end":1138.045,"sentiment":"neutral","sentiment_score":0.10772766917943954},{"text":"Mhmm.","start":1157.88,"end":1158.38,"sentiment":"neutral","sentiment_score":0.01917635090649128}],"sentiment":"neutral","sentiment_score":0.1868145126849413,"num_words":5,"start":1135.545,"end":1158.38},{"sentences":[{"text":"Yeah.","start":1161.115,"end":1161.4349,"sentiment":"neutral","sentiment_score":0.03276737034320831},{"text":"Okay.","start":1161.4349,"end":1161.9349,"sentiment":"neutral","sentiment_score":0.030287330970168114},{"text":"Okay.","start":1161.995,"end":1162.495,"sentiment":"neutral","sentiment_score":0.0242425873875618},{"text":"Just give me one second.","start":1162.715,"end":1164.095,"sentiment":"neutral","sentiment_score":0.01683920118957758},{"text":"I think I need my glasses for this now.","start":1164.715,"end":1167.5349,"sentiment":"neutral","sentiment_score":-0.005255676185091336}],"sentiment":"neutral","sentiment_score":0.0073054240578237705,"num_words":17,"start":1161.115,"end":1167.5349},{"sentences":[{"text":"Yeah.","start":1172.94,"end":1173.4199,"sentiment":"neutral","sentiment_score":0.029600374400615692},{"text":"Just one second.","start":1173.4199,"end":1174.3999,"sentiment":"neutral","sentiment_score":0.021535492812593777},{"text":"My glasses.","start":1175.5,"end":1176.24,"sentiment":"neutral","sentiment_score":0.02941859606653452},{"text":"Hi.","start":1177.2599,"end":1177.7599,"sentiment":"neutral","sentiment_score":0.12995554506778717},{"text":"All 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Tommy.","start":1186.62,"end":1187.44,"sentiment":"neutral","sentiment_score":-0.0436252374202013},{"text":"It is not steady.","start":1189.3949,"end":1190.5349,"sentiment":"neutral","sentiment_score":-0.2006346583366394},{"text":"Yeah.","start":1190.995,"end":1191.315,"sentiment":"neutral","sentiment_score":-0.027578817680478096},{"text":"Alright.","start":1191.315,"end":1191.815,"sentiment":"neutral","sentiment_score":0.001734767109155655},{"text":"Where's the page?","start":1193.1549,"end":1193.955,"sentiment":"neutral","sentiment_score":0.003982149607812365}],"sentiment":"neutral","sentiment_score":-0.08215333726680414,"num_words":11,"start":1186.62,"end":1193.955},{"sentences":[{"text":"Yep.","start":1193.955,"end":1194.4349,"sentiment":"neutral","sentiment_score":0.023652678355574608},{"text":"Alright.","start":1194.4349,"end":1194.9349,"sentiment":"neutral","sentiment_score":0.06003517657518387},{"text":"Got 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got shares to 5% bringing it down.","start":1278.2849,"end":1281.505,"sentiment":"neutral","sentiment_score":0.1291027097031474},{"text":"IShares to 14% bumping it up by another six odd percent.","start":1281.885,"end":1286.7101,"sentiment":"neutral","sentiment_score":0.15425791015679186},{"text":"IShares from 20 to 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okay.","start":1336.955,"end":1337.695,"sentiment":"neutral","sentiment_score":0.09762929379940033},{"text":"Alright.","start":1354.365,"end":1354.865,"sentiment":"neutral","sentiment_score":0.07183653116226196},{"text":"Okay.","start":1355.165,"end":1355.565,"sentiment":"neutral","sentiment_score":0.05828570947051048},{"text":"Okay.","start":1355.565,"end":1356.065,"sentiment":"neutral","sentiment_score":0.06111957132816315}],"sentiment":"neutral","sentiment_score":0.07001823869844277,"num_words":6,"start":1329.195,"end":1356.065},{"sentences":[{"text":"Yeah.","start":1357.085,"end":1357.485,"sentiment":"neutral","sentiment_score":0.054193854331970215},{"text":"Okay.","start":1357.485,"end":1357.985,"sentiment":"neutral","sentiment_score":0.02790314704179764},{"text":"Okay.","start":1371.9,"end":1372.22,"sentiment":"neutral","sentiment_score":0.04104672372341156},{"text":"So iShares for Europe, MSCI for Japan, and Vanguard on 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20%.","start":1394.74,"end":1397.64,"sentiment":"neutral","sentiment_score":0.18401142582297325},{"text":"Okay.","start":1399.4601,"end":1399.86,"sentiment":"neutral","sentiment_score":0.2037365734577179},{"text":"So 20% is going to be a large contribution to Australia, 200.","start":1399.86,"end":1404.1,"sentiment":"neutral","sentiment_score":0.28045474862058956},{"text":"Okay.","start":1404.1,"end":1404.6,"sentiment":"neutral","sentiment_score":0.09299521148204803}],"sentiment":"neutral","sentiment_score":0.24123635966526835,"num_words":19,"start":1394.02,"end":1404.6},{"sentences":[{"text":"Yep.","start":1408.755,"end":1409.255,"sentiment":"neutral","sentiment_score":0.06356587260961533},{"text":"Yeah.","start":1414.275,"end":1414.595,"sentiment":"neutral","sentiment_score":0.0607866533100605},{"text":"Okay.","start":1414.595,"end":1415.095,"sentiment":"neutral","sentiment_score":0.0669543594121933},{"text":"Okay.","start":1415.155,"end":1415.655,"sentiment":"neutral","sentiment_score":0.08093474805355072},{"text":"Alright.","start":1416.275,"end":1416.775,"sentiment":"neutral","sentiment_score":0.14987313747406006}],"sentiment":"neutral","sentiment_score":0.08442295417189598,"num_words":5,"start":1408.755,"end":1416.775},{"sentences":[{"text":"And of of these, that that you're recommending, ISHES Europe or ISHES Japan, Vanguard, all world excluding US, are they kind of performing right now or are they at the top of their performance?","start":1417.3151,"end":1431.2999,"sentiment":"neutral","sentiment_score":0.06424489195513375},{"text":"Are we investing them at the top of the performance at the top or how are they placed right now?","start":1432.0,"end":1437.405,"sentiment":"neutral","sentiment_score":0.08620263691991567},{"text":"Okay.","start":1475.585,"end":1476.065,"sentiment":"neutral","sentiment_score":-0.09866894036531448},{"text":"So yeah.","start":1476.065,"end":1482.14,"sentiment":"neutral","sentiment_score":-0.16134577989578247},{"text":"Yeah.","start":1482.14,"end":1482.54,"sentiment":"neutral","sentiment_score":-0.10355302691459656}],"sentiment":"neutral","sentiment_score":0.05833561272071353,"num_words":58,"start":1417.3151,"end":1482.54},{"sentences":[{"text":"Yeah.","start":1482.54,"end":1483.04,"sentiment":"neutral","sentiment_score":-0.1173161119222641},{"text":"Right.","start":1490.5349,"end":1490.7749,"sentiment":"neutral","sentiment_score":0.03016309253871441},{"text":"So you're adding another 1.97 to 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stone.","start":1506.03,"end":1507.3301,"sentiment":"negative","sentiment_score":-0.3407264530658722},{"text":"That I know where I can fail.","start":1510.1101,"end":1512.93,"sentiment":"negative","sentiment_score":-0.435767263174057}],"sentiment":"neutral","sentiment_score":-0.2696127373634315,"num_words":41,"start":1499.1749,"end":1512.93},{"sentences":[{"text":"So that's why the question yeah.","start":1512.99,"end":1517.53,"sentiment":"neutral","sentiment_score":-0.21566268801689148},{"text":"Let's not invest at the top because the next thing it it is going to do is go down.","start":1517.87,"end":1522.035,"sentiment":"negative","sentiment_score":-0.42493122188668503},{"text":"So yeah.","start":1522.035,"end":1522.855,"sentiment":"neutral","sentiment_score":-0.0710977166891098},{"text":"Yeah.","start":1530.035,"end":1530.535,"sentiment":"neutral","sentiment_score":-0.10334581136703493},{"text":"Yeah.","start":1530.995,"end":1531.3151,"sentiment":"neutral","sentiment_score":-0.04730011150240898}],"sentiment":"neutral","sentiment_score":-0.33312105862744923,"num_words":29,"start":1512.99,"end":1531.3151},{"sentences":[{"text":"Yeah.","start":1531.3151,"end":1531.8151,"sentiment":"neutral","sentiment_score":-0.09296838194131853},{"text":"Mhmm.","start":1545.65,"end":1546.15,"sentiment":"neutral","sentiment_score":0.022224800661206245},{"text":"Yeah.","start":1563.36,"end":1563.6,"sentiment":"neutral","sentiment_score":-0.01802283525466919},{"text":"Yeah.","start":1563.6,"end":1564.0801,"sentiment":"neutral","sentiment_score":0.027483506128191948},{"text":"Yeah.","start":1564.0801,"end":1564.16,"sentiment":"neutral","sentiment_score":0.05240589380264282}],"sentiment":"neutral","sentiment_score":-0.00177540332078934,"num_words":5,"start":1531.3151,"end":1564.16},{"sentences":[{"text":"Yeah.","start":1564.16,"end":1564.66,"sentiment":"neutral","sentiment_score":0.07499817758798599},{"text":"Yep.","start":1564.72,"end":1565.22,"sentiment":"neutral","sentiment_score":0.1020321473479271},{"text":"And for the whole world, excluding US, you're you're talking about other countries getting more manufacturing outside of China.","start":1565.52,"end":1571.9401,"sentiment":"neutral","sentiment_score":0.009864741691241139},{"text":"That is not going to happen for the next ten, twenty years, isn't it?","start":1573.465,"end":1576.605,"sentiment":"neutral","sentiment_score":-0.28010899999311994},{"text":"With China making and selling electric cars and everything else, do we really think that the whole world is going to really experience a boom or something or pick up sometime soon?","start":1576.745,"end":1590.6799,"sentiment":"neutral","sentiment_score":-0.09742028964683414}],"sentiment":"neutral","sentiment_score":-0.09961962464974443,"num_words":67,"start":1564.16,"end":1590.6799},{"sentences":[{"text":"Oh, okay.","start":1600.34,"end":1601.08,"sentiment":"neutral","sentiment_score":0.06222325563430786},{"text":"Oh, okay.","start":1601.62,"end":1602.28,"sentiment":"neutral","sentiment_score":0.07796373218297958},{"text":"Oh, okay.","start":1611.075,"end":1612.115,"sentiment":"neutral","sentiment_score":0.07435222715139389},{"text":"And what countries I mean, just for information's sake.","start":1612.115,"end":1616.07,"sentiment":"neutral","sentiment_score":0.060343049466609955},{"text":"Uh-huh.","start":1633.4751,"end":1633.795,"sentiment":"neutral","sentiment_score":0.05782811716198921}],"sentiment":"neutral","sentiment_score":0.06437462451867759,"num_words":16,"start":1600.34,"end":1633.795},{"sentences":[{"text":"Okay.","start":1633.795,"end":1634.295,"sentiment":"neutral","sentiment_score":0.07284801453351974},{"text":"Mhmm.","start":1639.9551,"end":1640.4551,"sentiment":"neutral","sentiment_score":0.010371263138949873},{"text":"Yeah.","start":1643.0751,"end":1643.235,"sentiment":"neutral","sentiment_score":0.04013076424598694},{"text":"Yeah.","start":1643.235,"end":1643.3151,"sentiment":"neutral","sentiment_score":0.03736222535371781},{"text":"Yeah.","start":1643.3151,"end":1643.8151,"sentiment":"neutral","sentiment_score":0.029880328103899956}],"sentiment":"neutral","sentiment_score":0.038118519075214866,"num_words":5,"start":1633.795,"end":1643.8151},{"sentences":[{"text":"Okay.","start":1644.115,"end":1644.615,"sentiment":"neutral","sentiment_score":0.006441010162234306},{"text":"We're not banking in any of these.","start":1644.71,"end":1646.95,"sentiment":"neutral","sentiment_score":-0.08731759765318461},{"text":"We're not banking heavily on the AI.","start":1646.95,"end":1648.71,"sentiment":"neutral","sentiment_score":-0.08160098748547691},{"text":"Right?","start":1648.71,"end":1649.21,"sentiment":"neutral","sentiment_score":-0.06357523053884506},{"text":"Because yeah.","start":1672.1051,"end":1672.985,"sentiment":"neutral","sentiment_score":-0.0008230293169617662}],"sentiment":"neutral","sentiment_score":-0.06895613194339806,"num_words":18,"start":1644.115,"end":1672.985},{"sentences":[{"text":"Okay.","start":1672.985,"end":1673.43,"sentiment":"neutral","sentiment_score":0.021359028294682503},{"text":"Because I I have a feeling that they it's typical just like the Internet, just like anything else.","start":1673.67,"end":1680.0901,"sentiment":"neutral","sentiment_score":-0.10072930364145173},{"text":"The AI is a bubble and it'll burst.","start":1680.31,"end":1682.31,"sentiment":"neutral","sentiment_score":-0.247850826010108},{"text":"I'm not saying it's fake, but it'll take some time before it really gets picked up to or used or applied to its full potential.","start":1682.31,"end":1691.4751,"sentiment":"neutral","sentiment_score":-0.13383834481239318},{"text":"So yeah.","start":1693.295,"end":1694.915,"sentiment":"neutral","sentiment_score":0.038197170943021774}],"sentiment":"neutral","sentiment_score":-0.13044702451400184,"num_words":54,"start":1672.985,"end":1694.915},{"sentences":[{"text":"Nope.","start":1724.4751,"end":1724.9751,"sentiment":"neutral","sentiment_score":-0.215158611536026},{"text":"Yeah.","start":1740.5,"end":1741.0,"sentiment":"neutral","sentiment_score":-0.017403122037649155},{"text":"Exactly.","start":1741.14,"end":1741.64,"sentiment":"neutral","sentiment_score":0.03109879605472088},{"text":"Yeah.","start":1742.42,"end":1742.66,"sentiment":"neutral","sentiment_score":0.04205460101366043},{"text":"That makes the question.","start":1742.66,"end":1743.88,"sentiment":"neutral","sentiment_score":0.044436207972466946}],"sentiment":"neutral","sentiment_score":0.002292061923071742,"num_words":8,"start":1724.4751,"end":1743.88},{"sentences":[{"text":"Yeah.","start":1756.745,"end":1757.0651,"sentiment":"neutral","sentiment_score":0.048187948763370514},{"text":"Exactly.","start":1757.0651,"end":1757.5651,"sentiment":"neutral","sentiment_score":0.11958907544612885},{"text":"That makes sense.","start":1758.105,"end":1759.005,"sentiment":"neutral","sentiment_score":0.12424741685390472},{"text":"Yep.","start":1759.0651,"end":1759.5651,"sentiment":"neutral","sentiment_score":0.05179676413536072},{"text":"That makes Yep.","start":1760.185,"end":1761.17,"sentiment":"neutral","sentiment_score":0.16226759552955627}],"sentiment":"neutral","sentiment_score":0.11990209172169368,"num_words":9,"start":1756.745,"end":1761.17},{"sentences":[{"text":"Cool.","start":1767.2476,"end":1767.7476,"sentiment":"neutral","sentiment_score":0.2377583384513855},{"text":"The cash table is target rate is 1.25.","start":1782.5449,"end":1788.1,"sentiment":"neutral","sentiment_score":0.07871527876704931},{"text":"Okay.","start":1788.1,"end":1788.6,"sentiment":"neutral","sentiment_score":0.08641156554222107},{"text":"Okay.","start":1789.38,"end":1789.86,"sentiment":"neutral","sentiment_score":0.08935467898845673},{"text":"Yep.","start":1789.86,"end":1790.36,"sentiment":"neutral","sentiment_score":0.1076459288597107}],"sentiment":"neutral","sentiment_score":0.0959077284981807,"num_words":12,"start":1767.2476,"end":1790.36},{"sentences":[{"text":"So reducing the cash component there.","start":1790.8201,"end":1793.22,"sentiment":"neutral","sentiment_score":0.04942116451760133},{"text":"Yep.","start":1793.22,"end":1793.72,"sentiment":"neutral","sentiment_score":0.07645637542009354},{"text":"And then the yeah.","start":1794.1,"end":1796.04,"sentiment":"neutral","sentiment_score":0.031054877184942598},{"text":"Mhmm.","start":1821.05,"end":1821.55,"sentiment":"neutral","sentiment_score":-0.055289193987846375},{"text":"Yeah.","start":1824.0901,"end":1824.41,"sentiment":"neutral","sentiment_score":0.09579205513000488}],"sentiment":"neutral","sentiment_score":0.04136197941597157,"num_words":13,"start":1790.8201,"end":1824.41},{"sentences":[{"text":"Yep.","start":1824.41,"end":1824.73,"sentiment":"neutral","sentiment_score":0.10410606116056442},{"text":"Yep.","start":1824.73,"end":1825.2101,"sentiment":"neutral","sentiment_score":0.11960607022047044},{"text":"Okay.","start":1825.2101,"end":1825.7101,"sentiment":"neutral","sentiment_score":0.11937934905290604},{"text":"Alright.","start":1826.6849,"end":1827.1849,"sentiment":"neutral","sentiment_score":0.0973225086927414},{"text":"Mhmm.","start":1838.205,"end":1838.705,"sentiment":"neutral","sentiment_score":0.022252902388572693}],"sentiment":"neutral","sentiment_score":0.092533378303051,"num_words":5,"start":1824.41,"end":1838.705},{"sentences":[{"text":"Mhmm.","start":1839.085,"end":1839.585,"sentiment":"neutral","sentiment_score":0.02823037281632423},{"text":"Yep.","start":1853.42,"end":1853.92,"sentiment":"neutral","sentiment_score":0.0598735511302948},{"text":"Okay.","start":1866.545,"end":1867.045,"sentiment":"neutral","sentiment_score":0.051504842936992645},{"text":"International liquid is 55.","start":1867.345,"end":1869.53,"sentiment":"neutral","sentiment_score":0.029762462247163057},{"text":"Okay.","start":1871.1901,"end":1871.3501,"sentiment":"neutral","sentiment_score":0.0477675199508667}],"sentiment":"neutral","sentiment_score":0.038303266977891326,"num_words":8,"start":1839.085,"end":1871.3501},{"sentences":[{"text":"Okay.","start":1871.3501,"end":1871.8501,"sentiment":"neutral","sentiment_score":0.0618276372551918},{"text":"Yep.","start":1871.91,"end":1872.41,"sentiment":"neutral","sentiment_score":0.06753543019294739},{"text":"Yeah.","start":1872.87,"end":1873.37,"sentiment":"neutral","sentiment_score":0.06137518957257271},{"text":"Property 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13.83.","start":1899.44,"end":1902.6599,"sentiment":"neutral","sentiment_score":0.020957002105812233},{"text":"Yeah.","start":1905.6799,"end":1906.0,"sentiment":"neutral","sentiment_score":0.03328891098499298}],"sentiment":"neutral","sentiment_score":0.028771146200597286,"num_words":10,"start":1893.235,"end":1906.0},{"sentences":[{"text":"Okay.","start":1906.0,"end":1906.5,"sentiment":"neutral","sentiment_score":0.028776848688721657},{"text":"So defensive total, sorry, defensive total is at 20%.","start":1908.355,"end":1913.015,"sentiment":"neutral","sentiment_score":-0.019278636409176722},{"text":"It'll go down to 15%, right?","start":1913.075,"end":1915.415,"sentiment":"neutral","sentiment_score":0.018215386662632227},{"text":"So the last line, defensive total, alternative defensive assets have been reduced to zero.","start":1919.075,"end":1925.7,"sentiment":"neutral","sentiment_score":-0.09963731999908175},{"text":"So am I so from a portfolio risk profile perspective, I'm sitting into the sitting in the 80 to 90%.","start":1938.135,"end":1948.635,"sentiment":"neutral","sentiment_score":-0.1467273272573948}],"sentiment":"neutral","sentiment_score":-0.08729815168306232,"num_words":50,"start":1906.0,"end":1948.635},{"sentences":[{"text":"Is that a high risk profile?","start":1949.175,"end":1951.1951,"sentiment":"neutral","sentiment_score":-0.16434273620446524},{"text":"One below high risk and one above medium.","start":1961.15,"end":1964.4501,"sentiment":"neutral","sentiment_score":-0.11377983819693327},{"text":"Yeah.","start":1977.935,"end":1978.435,"sentiment":"neutral","sentiment_score":0.1170184686779976},{"text":"Okay.","start":1983.4701,"end":1983.9701,"sentiment":"neutral","sentiment_score":0.16104945540428162},{"text":"Right.","start":1992.03,"end":1992.53,"sentiment":"neutral","sentiment_score":0.17647255957126615}],"sentiment":"neutral","sentiment_score":-0.08480909642051249,"num_words":17,"start":1949.175,"end":1992.53},{"sentences":[{"text":"Okay.","start":1992.5901,"end":1993.0901,"sentiment":"neutral","sentiment_score":0.1768445074558258},{"text":"And you advise staying in the eighty two percent nine 80 to 90% that is in the high growth?","start":1993.23,"end":2001.285,"sentiment":"neutral","sentiment_score":0.1679736077785492},{"text":"No.","start":2002.145,"end":2002.645,"sentiment":"neutral","sentiment_score":-0.09342364966869354},{"text":"Yeah.","start":2002.705,"end":2003.025,"sentiment":"neutral","sentiment_score":0.028485745191574097},{"text":"High growth.","start":2003.025,"end":2003.585,"sentiment":"neutral","sentiment_score":0.05487369932234287}],"sentiment":"neutral","sentiment_score":0.14221468955899277,"num_words":24,"start":1992.5901,"end":2003.585},{"sentences":[{"text":"Right?","start":2003.585,"end":2003.825,"sentiment":"neutral","sentiment_score":0.05040368810296059},{"text":"That's what it is called?","start":2003.825,"end":2004.965,"sentiment":"neutral","sentiment_score":0.05591355934739113},{"text":"Okay.","start":2009.905,"end":2010.145,"sentiment":"neutral","sentiment_score":0.10023054480552672},{"text":"So you still advise staying between the 80 to 90 and there's no reason for us to look at any more defensive or debt based assets?","start":2010.145,"end":2020.07,"sentiment":"neutral","sentiment_score":0.04430316259654669},{"text":"Yep.","start":2047.35,"end":2047.85,"sentiment":"neutral","sentiment_score":0.09615963697433472}],"sentiment":"neutral","sentiment_score":0.04936011453323504,"num_words":34,"start":2003.585,"end":2047.85},{"sentences":[{"text":"Alright.","start":2072.78,"end":2073.28,"sentiment":"neutral","sentiment_score":0.08513855934143066},{"text":"Okay.","start":2075.8198,"end":2076.3198,"sentiment":"neutral","sentiment_score":0.11036212742328644},{"text":"Okay.","start":2076.38,"end":2076.8599,"sentiment":"neutral","sentiment_score":0.1325998604297638},{"text":"Alright.","start":2076.8599,"end":2077.3599,"sentiment":"neutral","sentiment_score":0.21225887537002563},{"text":"Give it as it right now.","start":2078.7,"end":2080.4,"sentiment":"neutral","sentiment_score":0.22454704095919928}],"sentiment":"neutral","sentiment_score":0.18876416683197023,"num_words":10,"start":2072.78,"end":2080.4},{"sentences":[{"text":"Oh, yeah.","start":2112.125,"end":2112.685,"sentiment":"neutral","sentiment_score":0.018857554532587528},{"text":"That makes sense.","start":2112.685,"end":2113.405,"sentiment":"neutral","sentiment_score":0.03760857383410136},{"text":"But then I also have to have a job for that.","start":2113.405,"end":2116.3652,"sentiment":"neutral","sentiment_score":-0.15316194770011035},{"text":"Right?","start":2116.3652,"end":2116.685,"sentiment":"neutral","sentiment_score":-0.1243043839931488},{"text":"If there's a market downturn and if it's that drastic, very likely that a lot many people will lose jobs.","start":2116.685,"end":2126.23,"sentiment":"negative","sentiment_score":-0.4366897508502007}],"sentiment":"neutral","sentiment_score":-0.2808740539224567,"num_words":37,"start":2112.125,"end":2126.23},{"sentences":[{"text":"Yes.","start":2163.745,"end":2164.245,"sentiment":"neutral","sentiment_score":-0.24194800853729248},{"text":"Yeah.","start":2182.46,"end":2182.78,"sentiment":"neutral","sentiment_score":-0.01929660327732563},{"text":"Exactly.","start":2182.78,"end":2183.28,"sentiment":"neutral","sentiment_score":0.04735063016414642},{"text":"Exactly.","start":2184.22,"end":2184.72,"sentiment":"neutral","sentiment_score":0.10642965883016586},{"text":"Yep.","start":2214.295,"end":2214.615,"sentiment":"neutral","sentiment_score":0.17650321125984192}],"sentiment":"neutral","sentiment_score":0.01380777768790722,"num_words":5,"start":2163.745,"end":2214.615},{"sentences":[{"text":"Yep.","start":2214.615,"end":2215.115,"sentiment":"neutral","sentiment_score":0.13526414334774017},{"text":"Yeah.","start":2218.055,"end":2218.555,"sentiment":"neutral","sentiment_score":0.1318545788526535},{"text":"Yep.","start":2228.22,"end":2228.72,"sentiment":"neutral","sentiment_score":0.09494315087795258},{"text":"Let's go forward.","start":2229.5,"end":2230.56,"sentiment":"neutral","sentiment_score":0.1280638426542282},{"text":"Yeah.","start":2236.06,"end":2236.56,"sentiment":"neutral","sentiment_score":0.0794416218996048}],"sentiment":"neutral","sentiment_score":0.11795643184866224,"num_words":7,"start":2214.615,"end":2236.56},{"sentences":[{"text":"That makes a lot of sense.","start":2239.74,"end":2241.1199,"sentiment":"positive","sentiment_score":0.38927188018957776},{"text":"I'll I'll go through it more with more focus after the call.","start":2241.34,"end":2246.815,"sentiment":"neutral","sentiment_score":0.20925003290176392},{"text":"But, yeah, the table does give me the 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clear.","start":2256.99,"end":2258.4502,"sentiment":"neutral","sentiment_score":0.128851081430912},{"text":"Yep.","start":2262.03,"end":2262.53,"sentiment":"neutral","sentiment_score":0.09860645234584808},{"text":"Okay.","start":2262.6702,"end":2263.1702,"sentiment":"neutral","sentiment_score":0.02711622603237629}],"sentiment":"neutral","sentiment_score":0.092303444734878,"num_words":9,"start":2255.07,"end":2263.1702},{"sentences":[{"text":"Service sacrifice for 13,000 tax saved is around 6,000 or less.","start":2263.87,"end":2270.475,"sentiment":"neutral","sentiment_score":-0.015395806255665693},{"text":"And the net income goes down by 8,000.","start":2273.575,"end":2276.315,"sentiment":"neutral","sentiment_score":-0.06828724592924118},{"text":"Yep.","start":2277.415,"end":2277.915,"sentiment":"neutral","sentiment_score":0.04453346133232117},{"text":"Yep.","start":2279.655,"end":2279.975,"sentiment":"neutral","sentiment_score":0.08009135723114014},{"text":"Go for it.","start":2279.975,"end":2280.875,"sentiment":"neutral","sentiment_score":0.07680462549130122}],"sentiment":"neutral","sentiment_score":-0.015025547550370296,"num_words":24,"start":2263.87,"end":2280.875},{"sentences":[{"text":"On the tax, you mean?","start":2288.38,"end":2289.68,"sentiment":"neutral","sentiment_score":-0.07720509171485901},{"text":"Mhmm.","start":2312.8,"end":2313.3,"sentiment":"neutral","sentiment_score":-0.06483003497123718},{"text":"So I'm I'm a little confused when you say per fortnight, I have to pay $5.38 for the super.","start":2315.92,"end":2323.38,"sentiment":"neutral","sentiment_score":-0.2521288159646486},{"text":"That is pretax.","start":2323.5999,"end":2324.66,"sentiment":"neutral","sentiment_score":-0.22013990581035614},{"text":"So my tax liability goes down.","start":2326.155,"end":2328.715,"sentiment":"neutral","sentiment_score":-0.2506543348232905}],"sentiment":"neutral","sentiment_score":-0.2178131977424902,"num_words":34,"start":2288.38,"end":2328.715},{"sentences":[{"text":"I understand that.","start":2328.715,"end":2329.935,"sentiment":"neutral","sentiment_score":-0.21810842553774515},{"text":"But fortnightly, I'm not getting the $500 also.","start":2330.475,"end":2334.955,"sentiment":"neutral","sentiment_score":-0.25894030556082726},{"text":"Right?","start":2334.955,"end":2335.455,"sentiment":"neutral","sentiment_score":-0.19643643498420715},{"text":"Okay.","start":2357.145,"end":2357.645,"sentiment":"neutral","sentiment_score":-0.18855929374694824},{"text":"Okay.","start":2358.825,"end":2359.325,"sentiment":"neutral","sentiment_score":-0.26689332723617554}],"sentiment":"neutral","sentiment_score":-0.24126691264765604,"num_words":14,"start":2328.715,"end":2359.325},{"sentences":[{"text":"That is this is something that does not make sense to me.","start":2361.305,"end":2364.125,"sentiment":"negative","sentiment_score":-0.6260535717010498},{"text":"I I I I know what you mean.","start":2364.905,"end":2366.88,"sentiment":"neutral","sentiment_score":-0.25786123238503933},{"text":"It is it is all based on the tax liability that gives me money back because I've saved some money pretax.","start":2366.88,"end":2374.02,"sentiment":"neutral","sentiment_score":0.0846025753943693},{"text":"So the the tax liability is low, but it does take the money out of my fortnightly pay.","start":2374.16,"end":2382.665,"sentiment":"neutral","sentiment_score":0.06847218403385745},{"text":"Right?","start":2382.665,"end":2383.165,"sentiment":"neutral","sentiment_score":0.05951491743326187}],"sentiment":"neutral","sentiment_score":-0.10844774010280768,"num_words":60,"start":2361.305,"end":2383.165},{"sentences":[{"text":"My fortnightly taxable income in hand.","start":2383.7852,"end":2387.945,"sentiment":"neutral","sentiment_score":0.03207161370664835},{"text":"Let's say my fortnightly I'm on paid pay calculator.","start":2387.945,"end":2390.685,"sentiment":"neutral","sentiment_score":0.043969352833098836},{"text":"I've just put in this number, 153286, and my fortnightly pay is 4323.","start":2390.745,"end":2398.9102,"sentiment":"neutral","sentiment_score":0.043885375874546856},{"text":"Now if I add the salary cycle file yep.","start":2399.4502,"end":2405.87,"sentiment":"neutral","sentiment_score":0.011994662022011148},{"text":"4323.","start":2406.01,"end":2407.55,"sentiment":"neutral","sentiment_score":0.005649475380778313}],"sentiment":"neutral","sentiment_score":0.03348066257067809,"num_words":38,"start":2383.7852,"end":2407.55},{"sentences":[{"text":"Uh-huh.","start":2408.1702,"end":2408.6702,"sentiment":"neutral","sentiment_score":0.0067268433049321175},{"text":"I get 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okay.","start":2434.97,"end":2435.7898,"sentiment":"neutral","sentiment_score":0.04545981250703335},{"text":"Uh-huh.","start":2437.0498,"end":2437.5498,"sentiment":"neutral","sentiment_score":0.01632731221616268},{"text":"Yeah.","start":2440.385,"end":2440.625,"sentiment":"neutral","sentiment_score":0.023263538256287575},{"text":"Yeah.","start":2440.625,"end":2440.785,"sentiment":"neutral","sentiment_score":0.02286265604197979}],"sentiment":"neutral","sentiment_score":0.02459036302752793,"num_words":8,"start":2432.89,"end":2440.785},{"sentences":[{"text":"Yeah.","start":2440.785,"end":2441.025,"sentiment":"neutral","sentiment_score":0.023138927295804024},{"text":"I'm sure.","start":2441.025,"end":2441.505,"sentiment":"neutral","sentiment_score":0.019342942163348198},{"text":"Yeah.","start":2441.505,"end":2441.7449,"sentiment":"neutral","sentiment_score":0.019657785072922707},{"text":"That's like a standard, isn't it?","start":2441.7449,"end":2443.025,"sentiment":"neutral","sentiment_score":0.010425442674507698},{"text":"Everyone uses that.","start":2443.025,"end":2444.325,"sentiment":"neutral","sentiment_score":0.004135492568214735}],"sentiment":"neutral","sentiment_score":0.012033979265162578,"num_words":13,"start":2440.785,"end":2444.325},{"sentences":[{"text":"Yeah.","start":2445.105,"end":2445.505,"sentiment":"neutral","sentiment_score":0.05995004624128342},{"text":"Yeah.","start":2445.505,"end":2445.665,"sentiment":"neutral","sentiment_score":0.06260775029659271},{"text":"Yeah.","start":2445.665,"end":2446.165,"sentiment":"neutral","sentiment_score":0.13470396399497986},{"text":"Yeah.","start":2446.625,"end":2446.865,"sentiment":"neutral","sentiment_score":0.31050848960876465},{"text":"It is brilliant.","start":2446.865,"end":2447.665,"sentiment":"positive","sentiment_score":0.5372263391812643}],"sentiment":"neutral","sentiment_score":0.3113498953836305,"num_words":7,"start":2445.105,"end":2447.665},{"sentences":[{"text":"Yeah.","start":2447.665,"end":2447.905,"sentiment":"neutral","sentiment_score":0.2050826996564865},{"text":"Yeah.","start":2447.905,"end":2447.985,"sentiment":"neutral","sentiment_score":0.1444993019104004},{"text":"Yeah.","start":2447.985,"end":2448.485,"sentiment":"neutral","sentiment_score":0.0936153382062912},{"text":"So, effectively, I'm putting 500 there, but then my deduction is only 320 300 32.","start":2449.585,"end":2456.91,"sentiment":"neutral","sentiment_score":0.041387405494848886},{"text":"Okay.","start":2456.91,"end":2457.41,"sentiment":"neutral","sentiment_score":0.01033626776188612}],"sentiment":"neutral","sentiment_score":0.05654445736619987,"num_words":19,"start":2447.665,"end":2457.41},{"sentences":[{"text":"I need to work out on this one with my company because I have a limited lease going on on my salary.","start":2457.8699,"end":2462.8499,"sentiment":"neutral","sentiment_score":-0.04059797635471279},{"text":"Two.","start":2463.95,"end":2464.45,"sentiment":"neutral","sentiment_score":-0.007913324050605297},{"text":"Mhmm.","start":2473.375,"end":2473.5352,"sentiment":"neutral","sentiment_score":-0.02409420907497406},{"text":"Yes.","start":2473.5352,"end":2474.0352,"sentiment":"neutral","sentiment_score":-0.023204980418086052},{"text":"I asked them to stop it because of the cost of living crisis.","start":2474.0952,"end":2478.8352,"sentiment":"neutral","sentiment_score":-0.14818818179460672}],"sentiment":"neutral","sentiment_score":-0.075653009386243,"num_words":38,"start":2457.8699,"end":2478.8352},{"sentences":[{"text":"The investor property is bleeding us out with that interest rate, not forget the interest rate, but it's a weekly $1,000 flat.","start":2482.64,"end":2494.305,"sentiment":"neutral","sentiment_score":-0.12804295766082677},{"text":"I have to pay for that investment property.","start":2494.545,"end":2496.805,"sentiment":"neutral","sentiment_score":-0.13490212708711624},{"text":"So yeah.","start":2496.865,"end":2499.505,"sentiment":"neutral","sentiment_score":-0.12532539293169975},{"text":"And what has happened is because I had put it on sale and it's not, you know, I we couldn't sell it.","start":2499.505,"end":2510.32,"sentiment":"neutral","sentiment_score":-0.250516913831234},{"text":"I still had to pay I still have to pay my broker the $8,000 for the staging and real estate charges, you know, all of those that jazz that goes on with selling, advertising and everything.","start":2510.4602,"end":2523.275,"sentiment":"neutral","sentiment_score":-0.2451062442527877}],"sentiment":"neutral","sentiment_score":-0.20535566409428915,"num_words":90,"start":2482.64,"end":2523.275},{"sentences":[{"text":"So and I don't have any money in my pocket.","start":2524.135,"end":2527.435,"sentiment":"negative","sentiment_score":-0.33344862163066863},{"text":"I had to I lost some money in my investments last year, and it wiped out it wiped out.","start":2527.595,"end":2537.79,"sentiment":"neutral","sentiment_score":-0.3181790733023694},{"text":"So it wiped out a lot of money from my pocket.","start":2538.75,"end":2541.49,"sentiment":"negative","sentiment_score":-0.48944479497996246},{"text":"I had some good $30.40 grand that I was thinking that this year I'll pump in in my concessional to recover for the carry forwards on the ATO for the supers, but I lost all that money.","start":2541.55,"end":2560.2751,"sentiment":"neutral","sentiment_score":-0.09057893412741455},{"text":"All that money is gone.","start":2560.2751,"end":2561.3152,"sentiment":"negative","sentiment_score":-0.5977547645568848}],"sentiment":"neutral","sentiment_score":-0.25736555779670794,"num_words":82,"start":2524.135,"end":2561.3152},{"sentences":[{"text":"It's a write off.","start":2561.3152,"end":2562.375,"sentiment":"negative","sentiment_score":-0.4476766511797905},{"text":"So we decide to sell the house.","start":2562.5151,"end":2564.85,"sentiment":"neutral","sentiment_score":-0.12727660366467067},{"text":"Yes.","start":2567.15,"end":2567.65,"sentiment":"neutral","sentiment_score":-0.011906348168849943},{"text":"My offset account is now probably worth only $13,000 or something.","start":2567.79,"end":2573.25,"sentiment":"neutral","sentiment_score":-0.032348297705704514},{"text":"Alright.","start":2574.75,"end":2575.15,"sentiment":"neutral","sentiment_score":0.026893407106399536}],"sentiment":"neutral","sentiment_score":-0.1259369602582107,"num_words":24,"start":2561.3152,"end":2575.15},{"sentences":[{"text":"So I'm I'm holding that 13,000.","start":2575.15,"end":2578.365,"sentiment":"neutral","sentiment_score":0.010969485777119795},{"text":"And out of the rent, I have to pay the broker for the advertising and staging and all those costs.","start":2578.825,"end":2586.4448,"sentiment":"neutral","sentiment_score":-0.08574429955333471},{"text":"And also the crisis, you know, the it's so expensive now.","start":2587.385,"end":2592.06,"sentiment":"neutral","sentiment_score":-0.32740141315893695},{"text":"Everything's moved up.","start":2592.06,"end":2593.36,"sentiment":"neutral","sentiment_score":-0.3074560860792796},{"text":"So I've stopped contributing right now temporarily.","start":2593.6602,"end":2596.08,"sentiment":"neutral","sentiment_score":-0.2714219412633351}],"sentiment":"neutral","sentiment_score":-0.1717618397496482,"num_words":47,"start":2575.15,"end":2596.08},{"sentences":[{"text":"Once I've paid the broker probably in another month, so by October.","start":2597.5,"end":2601.2002,"sentiment":"neutral","sentiment_score":-0.11457094550132751},{"text":"By October or November, I will resume my super contributions so that I will have some savings coming from the rent.","start":2601.7402,"end":2613.255,"sentiment":"neutral","sentiment_score":-0.028051951279242832},{"text":"Currently, the rent is servicing everything.","start":2613.255,"end":2615.275,"sentiment":"neutral","sentiment_score":-0.17549197127421698},{"text":"It just comes in, the salaries just go out, and the rent just goes out.","start":2615.7349,"end":2619.915,"sentiment":"neutral","sentiment_score":-0.16844055354595183},{"text":"So Mhmm.","start":2620.135,"end":2635.625,"sentiment":"neutral","sentiment_score":0.057148873805999756}],"sentiment":"neutral","sentiment_score":-0.0969500840375466,"num_words":56,"start":2597.5,"end":2635.625},{"sentences":[{"text":"Yes.","start":2642.405,"end":2642.485,"sentiment":"neutral","sentiment_score":0.1355135440826416},{"text":"Oh, yeah.","start":2642.485,"end":2643.045,"sentiment":"neutral","sentiment_score":0.21406452357769012},{"text":"Oh, that is definitely helpful, mate.","start":2643.045,"end":2645.705,"sentiment":"positive","sentiment_score":0.5083623180786768},{"text":"Yeah.","start":2646.245,"end":2646.745,"sentiment":"neutral","sentiment_score":0.2146034985780716},{"text":"In fact, for Meenal and myself, Meenal hasn't been contributing to her salary to her salary sacrifice ever before because we've just been, you know, through all of these jazz.","start":2647.685,"end":2659.01,"sentiment":"neutral","sentiment_score":0.0798470036437114}],"sentiment":"neutral","sentiment_score":0.15559575268998743,"num_words":40,"start":2642.405,"end":2659.01},{"sentences":[{"text":"So yeah.","start":2659.9502,"end":2661.6301,"sentiment":"neutral","sentiment_score":0.11696463450789452},{"text":"So if that's possible, and I can stretch it till January, then Meenal and I, you can make a note of it.","start":2661.6301,"end":2667.045,"sentiment":"neutral","sentiment_score":0.14665619283914566},{"text":"Meenal and I can start January 2027 to start making those salary sacrifices.","start":2667.045,"end":2673.145,"sentiment":"neutral","sentiment_score":0.044285327124481015},{"text":"We'll be in a better condition with some more savings, you know, at least for a couple of months, I don't know, $1,520,000 in the office.","start":2673.525,"end":2682.03,"sentiment":"neutral","sentiment_score":0.18383139586792543},{"text":"Yeah.","start":2682.09,"end":2682.59,"sentiment":"neutral","sentiment_score":0.148620143532753}],"sentiment":"neutral","sentiment_score":0.1400673625030322,"num_words":64,"start":2659.9502,"end":2682.59},{"sentences":[{"text":"Yeah.","start":2690.25,"end":2690.75,"sentiment":"neutral","sentiment_score":-0.02616877108812332},{"text":"Yeah.","start":2691.69,"end":2691.8499,"sentiment":"neutral","sentiment_score":0.01117763202637434},{"text":"Yeah.","start":2691.8499,"end":2692.3499,"sentiment":"neutral","sentiment_score":0.02220909297466278},{"text":"Yeah.","start":2692.625,"end":2693.125,"sentiment":"neutral","sentiment_score":0.04004883021116257},{"text":"Yes, please.","start":2720.905,"end":2721.725,"sentiment":"neutral","sentiment_score":0.25315621495246887}],"sentiment":"neutral","sentiment_score":0.09226320233816902,"num_words":6,"start":2690.25,"end":2721.725},{"sentences":[{"text":"Thank you, mate.","start":2743.72,"end":2744.7,"sentiment":"positive","sentiment_score":0.6494119962056478},{"text":"That's definitely quite reassuring and very helpful right now.","start":2745.435,"end":2749.615,"sentiment":"positive","sentiment_score":0.6860678725772433},{"text":"Yeah.","start":2749.7551,"end":2750.2551,"sentiment":"neutral","sentiment_score":0.21319261193275452},{"text":"Yep.","start":2756.475,"end":2756.975,"sentiment":"neutral","sentiment_score":0.25378698110580444},{"text":"Mhmm.","start":2760.3398,"end":2760.8398,"sentiment":"neutral","sentiment_score":0.17919395864009857}],"sentiment":"positive","sentiment_score":0.5846013595660527,"num_words":15,"start":2743.72,"end":2760.8398},{"sentences":[{"text":"Mhmm.","start":2767.06,"end":2767.56,"sentiment":"neutral","sentiment_score":0.19891470670700073},{"text":"Oh, yeah.","start":2790.7698,"end":2791.49,"sentiment":"neutral","sentiment_score":0.14255578815937042},{"text":"Exactly.","start":2791.49,"end":2791.99,"sentiment":"neutral","sentiment_score":0.08724480867385864},{"text":"That will be a relief.","start":2793.3298,"end":2794.2898,"sentiment":"positive","sentiment_score":0.607838773727417},{"text":"Definitely.","start":2794.2898,"end":2794.7698,"sentiment":"positive","sentiment_score":0.617753267288208}],"sentiment":"positive","sentiment_score":0.4228218227624893,"num_words":10,"start":2767.06,"end":2794.7698},{"sentences":[{"text":"There's no doubt about it.","start":2794.7698,"end":2796.15,"sentiment":"positive","sentiment_score":0.33929049372673037},{"text":"Yeah.","start":2797.8098,"end":2798.3098,"sentiment":"neutral","sentiment_score":0.24197398126125336},{"text":"Yeah.","start":2801.315,"end":2801.815,"sentiment":"neutral","sentiment_score":0.2946207523345947},{"text":"Cool.","start":2805.635,"end":2806.135,"sentiment":"positive","sentiment_score":0.4464665949344635},{"text":"Alright.","start":2806.595,"end":2807.095,"sentiment":"positive","sentiment_score":0.33561190962791443}],"sentiment":"positive","sentiment_score":0.3350139674213197,"num_words":9,"start":2794.7698,"end":2807.095},{"sentences":[{"text":"Yes.","start":2810.435,"end":2810.935,"sentiment":"positive","sentiment_score":0.34662795066833496},{"text":"Very much, Tommy.","start":2810.9949,"end":2812.035,"sentiment":"positive","sentiment_score":0.49787824352582294},{"text":"This is, frankly, has been the best call with you I've had till date.","start":2812.035,"end":2818.5498,"sentiment":"positive","sentiment_score":0.587691245334489},{"text":"Yes.","start":2821.3298,"end":2821.8298,"sentiment":"positive","sentiment_score":0.33790603280067444},{"text":"Yeah.","start":2823.49,"end":2823.73,"sentiment":"neutral","sentiment_score":0.3262515068054199}],"sentiment":"positive","sentiment_score":0.5366048827767372,"num_words":20,"start":2810.435,"end":2823.73},{"sentences":[{"text":"Yeah.","start":2823.73,"end":2823.89,"sentiment":"neutral","sentiment_score":0.27115777134895325},{"text":"Definitely.","start":2823.89,"end":2824.39,"sentiment":"neutral","sentiment_score":0.27679693698883057},{"text":"I mean, the information that you've put in and the way you've just taken me through all that information has been quite insightful because all our earlier calls with Kyle, and nothing wrong with Kyle Giddings, but all the calls have been he's taken me through those numbers, but I had never seen anything in front of me as a document.","start":2824.77,"end":2849.07,"sentiment":"neutral","sentiment_score":0.17502110961397163},{"text":"I will only get that as a document to sign, and then nothing I mean, nothing made sense because the call was done before when I was not looking at anything.","start":2849.07,"end":2860.125,"sentiment":"neutral","sentiment_score":-0.03492961114933414},{"text":"Now you've taken me through the documents, so I know there are touch points that I can go and read and understand more deeply.","start":2860.125,"end":2866.465,"sentiment":"neutral","sentiment_score":0.12117662436018388}],"sentiment":"neutral","sentiment_score":0.11059036808309414,"num_words":118,"start":2823.73,"end":2866.465},{"sentences":[{"text":"Yeah.","start":2866.5251,"end":2867.0251,"sentiment":"neutral","sentiment_score":0.03355538472533226},{"text":"Yeah.","start":2872.38,"end":2872.88,"sentiment":"neutral","sentiment_score":0.033501945436000824},{"text":"Oh, 100%.","start":2876.14,"end":2877.2,"sentiment":"neutral","sentiment_score":0.11812326312065125},{"text":"100%.","start":2877.26,"end":2878.0798,"sentiment":"neutral","sentiment_score":0.14732937514781952},{"text":"Makes a lot of difference.","start":2878.8599,"end":2880.0,"sentiment":"neutral","sentiment_score":0.19116455912590027}],"sentiment":"neutral","sentiment_score":0.14064560271799564,"num_words":10,"start":2866.5251,"end":2880.0},{"sentences":[{"text":"Yeah.","start":2880.6199,"end":2881.1199,"sentiment":"neutral","sentiment_score":0.07366984337568283},{"text":"Yes, please.","start":2916.0352,"end":2916.7551,"sentiment":"neutral","sentiment_score":0.09856849536299706},{"text":"Alright.","start":2916.7551,"end":2917.235,"sentiment":"neutral","sentiment_score":0.07770009338855743},{"text":"So I have to sign it and send it to you now?","start":2917.235,"end":2919.895,"sentiment":"neutral","sentiment_score":0.05766511025528113},{"text":"Oh, yeah?","start":2925.28,"end":2926.02,"sentiment":"neutral","sentiment_score":0.0636728834360838}],"sentiment":"neutral","sentiment_score":0.06487966763476531,"num_words":18,"start":2880.6199,"end":2926.02},{"sentences":[{"text":"Okay.","start":2969.965,"end":2970.465,"sentiment":"neutral","sentiment_score":0.09987486898899078},{"text":"So for the emails, I just have one email right now from your side that says signature request, the the document that you've taken me through.","start":2970.685,"end":2981.6,"sentiment":"neutral","sentiment_score":-0.000964115230509868},{"text":"I went to the rest of the document, but I do not see a consent form for hub 24 there in that in any of those pages below.","start":2982.3,"end":2989.12,"sentiment":"neutral","sentiment_score":-0.13334862302456582},{"text":"It'll be a different document, isn't it?","start":2989.8052,"end":2995.425,"sentiment":"neutral","sentiment_score":-0.04669072811624834},{"text":"Okay.","start":3012.97,"end":3013.47,"sentiment":"neutral","sentiment_score":0.013977721333503723}],"sentiment":"neutral","sentiment_score":-0.06304461820908482,"num_words":63,"start":2969.965,"end":3013.47},{"sentences":[{"text":"Oh, yeah.","start":3013.53,"end":3014.3298,"sentiment":"neutral","sentiment_score":0.016780889593064785},{"text":"Yeah.","start":3014.3298,"end":3014.41,"sentiment":"neutral","sentiment_score":0.028594747185707092},{"text":"Yeah.","start":3014.41,"end":3014.91,"sentiment":"neutral","sentiment_score":0.04188326746225357},{"text":"There's one of eight, which means there's an okay statement of advice.","start":3015.0498,"end":3019.15,"sentiment":"neutral","sentiment_score":0.0320433055361112},{"text":"Of 20 four.","start":3020.885,"end":3021.845,"sentiment":"neutral","sentiment_score":-0.0035834386944770813}],"sentiment":"neutral","sentiment_score":0.025147849693894386,"num_words":19,"start":3013.53,"end":3021.845},{"sentences":[{"text":"Oh, yeah.","start":3021.845,"end":3022.2449,"sentiment":"neutral","sentiment_score":0.0017704940401017666},{"text":"Yeah.","start":3022.2449,"end":3022.7449,"sentiment":"neutral","sentiment_score":0.002882489003241062},{"text":"Yep.","start":3029.845,"end":3030.2449,"sentiment":"neutral","sentiment_score":0.006082944106310606},{"text":"That's the also called the statement of advice.","start":3030.2449,"end":3033.385,"sentiment":"neutral","sentiment_score":-0.00870397302787751},{"text":"Then yeah.","start":3035.29,"end":3042.3298,"sentiment":"neutral","sentiment_score":-0.1163167878985405}],"sentiment":"neutral","sentiment_score":-0.02069706705931042,"num_words":14,"start":3021.845,"end":3042.3298},{"sentences":[{"text":"I paid to the Bendix two.","start":3042.3298,"end":3044.01,"sentiment":"neutral","sentiment_score":-0.07949663077791531},{"text":"Yeah.","start":3044.01,"end":3044.51,"sentiment":"neutral","sentiment_score":0.01702716201543808},{"text":"Yeah.","start":3044.57,"end":3044.89,"sentiment":"neutral","sentiment_score":0.04024466127157211},{"text":"Yeah.","start":3044.89,"end":3045.13,"sentiment":"neutral","sentiment_score":0.07629294693470001},{"text":"Yeah.","start":3045.13,"end":3045.63,"sentiment":"neutral","sentiment_score":0.15255194902420044}],"sentiment":"neutral","sentiment_score":-0.019086306542158128,"num_words":10,"start":3042.3298,"end":3045.63},{"sentences":[{"text":"Cool.","start":3047.925,"end":3048.425,"sentiment":"neutral","sentiment_score":0.1921493709087372},{"text":"And half 20 four.","start":3048.725,"end":3050.0251,"sentiment":"neutral","sentiment_score":0.06816417444497347},{"text":"Yeah.","start":3051.5251,"end":3051.7651,"sentiment":"neutral","sentiment_score":0.07369182258844376},{"text":"Okay.","start":3051.7651,"end":3052.245,"sentiment":"neutral","sentiment_score":0.07199141383171082},{"text":"So the first document is to be signed.","start":3052.245,"end":3055.125,"sentiment":"neutral","sentiment_score":0.06352195097133517}],"sentiment":"neutral","sentiment_score":0.07457766085863113,"num_words":15,"start":3047.925,"end":3055.125},{"sentences":[{"text":"The third document is to be signed.","start":3055.125,"end":3056.985,"sentiment":"neutral","sentiment_score":0.045655583696705956},{"text":"Neos protection.","start":3057.845,"end":3058.745,"sentiment":"neutral","sentiment_score":0.023041486740112305},{"text":"Okay.","start":3059.125,"end":3059.445,"sentiment":"neutral","sentiment_score":0.015983060002326965},{"text":"That's all information.","start":3059.445,"end":3060.5051,"sentiment":"neutral","sentiment_score":0.16184361279010773},{"text":"Fine.","start":3060.8052,"end":3061.205,"sentiment":"positive","sentiment_score":0.3718389570713043}],"sentiment":"neutral","sentiment_score":0.08850177962865148,"num_words":14,"start":3055.125,"end":3061.205},{"sentences":[{"text":"Alright.","start":3061.205,"end":3061.5251,"sentiment":"neutral","sentiment_score":0.24390678107738495},{"text":"I'll go through them, and I'll do whatever is required.","start":3061.5251,"end":3064.83,"sentiment":"neutral","sentiment_score":0.19535718709230424},{"text":"I think page numb document number five also requires a signature.","start":3064.97,"end":3068.81,"sentiment":"neutral","sentiment_score":-0.00033314543014222926},{"text":"No.","start":3068.81,"end":3068.97,"sentiment":"neutral","sentiment_score":-0.1050868108868599},{"text":"It's just additional information.","start":3068.97,"end":3070.35,"sentiment":"neutral","sentiment_score":-0.09845079109072685}],"sentiment":"neutral","sentiment_score":0.06277496581552205,"num_words":27,"start":3061.205,"end":3070.35},{"sentences":[{"text":"Alright.","start":3070.41,"end":3070.91,"sentiment":"neutral","sentiment_score":0.09758275747299194},{"text":"Cool.","start":3071.61,"end":3072.11,"sentiment":"positive","sentiment_score":0.4074047207832336},{"text":"Cool.","start":3072.33,"end":3072.65,"sentiment":"positive","sentiment_score":0.4090125560760498},{"text":"Cool.","start":3072.65,"end":3073.15,"sentiment":"positive","sentiment_score":0.37504470348358154},{"text":"Cool.","start":3073.61,"end":3073.85,"sentiment":"neutral","sentiment_score":0.2834608256816864}],"sentiment":"neutral","sentiment_score":0.31450111269950864,"num_words":5,"start":3070.41,"end":3073.85},{"sentences":[{"text":"Up 24.","start":3073.85,"end":3074.73,"sentiment":"neutral","sentiment_score":0.0705502387136221},{"text":"Product disclosure statement.","start":3074.73,"end":3076.09,"sentiment":"neutral","sentiment_score":0.05449373399217924},{"text":"Yep.","start":3076.09,"end":3076.59,"sentiment":"neutral","sentiment_score":0.13829123973846436},{"text":"Alright, mate.","start":3077.435,"end":3078.155,"sentiment":"neutral","sentiment_score":0.26033128798007965},{"text":"Tommy, I have everything I need.","start":3078.155,"end":3081.455,"sentiment":"positive","sentiment_score":0.3356320212284724}],"sentiment":"neutral","sentiment_score":0.21266625874808856,"num_words":14,"start":3073.85,"end":3081.455},{"sentences":[{"text":"I'll just read through the first couple of documents.","start":3081.755,"end":3084.255,"sentiment":"neutral","sentiment_score":0.07536082218090694},{"text":"Not that it makes a lot of sense to me, but at least if it if something does not, then at least I can ask.","start":3085.435,"end":3092.175,"sentiment":"neutral","sentiment_score":-0.11569868683815003},{"text":"That's why.","start":3092.53,"end":3092.85,"sentiment":"neutral","sentiment_score":0.0013681957498192787},{"text":"Yeah.","start":3092.85,"end":3093.35,"sentiment":"neutral","sentiment_score":0.12166455388069151},{"text":"Yep.","start":3102.53,"end":3103.03,"sentiment":"neutral","sentiment_score":0.13096575438976288}],"sentiment":"neutral","sentiment_score":-0.051548765040934086,"num_words":38,"start":3081.755,"end":3103.03},{"sentences":[{"text":"Yep.","start":3132.63,"end":3133.005,"sentiment":"neutral","sentiment_score":0.11431539058685304},{"text":"Just the thing with meals, yes, if it is rolled over, then are the investments correct, just like we've gone through for mine today?","start":3155.3699,"end":3163.8699,"sentiment":"neutral","sentiment_score":0.14264347031712532},{"text":"Just a review on your side and if everything looks fine, yes, just a message or an email stating that everything is okay, no change is required or something was resolved.","start":3165.815,"end":3176.795,"sentiment":"neutral","sentiment_score":0.2231714103010393},{"text":"Yes, so sooner the better just because now that we've started and I believe from the last conversation, you also did mention that it will be good for you to look at Nynal's portfolio as well.","start":3178.61,"end":3194.4648,"sentiment":"positive","sentiment_score":0.34514021169808173},{"text":"So that the advice that you give kind of is a wholesome advice for the couple kind of thing.","start":3194.605,"end":3201.345,"sentiment":"positive","sentiment_score":0.5570675052310291}],"sentiment":"neutral","sentiment_score":0.3014901136761313,"num_words":111,"start":3132.63,"end":3201.345},{"sentences":[{"text":"So, yes, so if you can follow-up on that just that part and have that resolved now.","start":3202.4448,"end":3208.3098,"sentiment":"neutral","sentiment_score":0.25077883460942435},{"text":"Once I sign these off, I know that these investments will roll over to the new ones this Friday, like you said, and the other part remains as minerals.","start":3209.0098,"end":3219.89,"sentiment":"neutral","sentiment_score":0.1285832131217266},{"text":"That's it.","start":3219.89,"end":3220.935,"sentiment":"neutral","sentiment_score":0.07351337000727654},{"text":"Once we are on that part, then we are on autopilot.","start":3220.935,"end":3223.7551,"sentiment":"neutral","sentiment_score":0.17743501473556866},{"text":"Basically, just review touch points whenever.","start":3223.975,"end":3226.375,"sentiment":"positive","sentiment_score":0.3710840990146001}],"sentiment":"neutral","sentiment_score":0.189499536385903,"num_words":65,"start":3202.4448,"end":3226.375},{"sentences":[{"text":"Yeah.","start":3226.375,"end":3226.875,"sentiment":"positive","sentiment_score":0.34467798471450806},{"text":"And the term deposit is the same term because it's just like mine?","start":3244.76,"end":3247.96,"sentiment":"neutral","sentiment_score":-0.07681394210801674},{"text":"Or Dubai Hybrid.","start":3247.96,"end":3253.295,"sentiment":"neutral","sentiment_score":-0.03494127498318752},{"text":"Yeah.","start":3253.295,"end":3253.615,"sentiment":"neutral","sentiment_score":0.023918671533465385},{"text":"Yeah.","start":3253.615,"end":3254.115,"sentiment":"neutral","sentiment_score":0.0370718315243721}],"sentiment":"neutral","sentiment_score":-0.03672297813586498,"num_words":19,"start":3226.375,"end":3254.115},{"sentences":[{"text":"Hopefully, it's not a lot of money invested there.","start":3257.375,"end":3259.795,"sentiment":"neutral","sentiment_score":-0.14308283022708362},{"text":"Yep.","start":3272.3398,"end":3272.8398,"sentiment":"neutral","sentiment_score":-0.013943794183433056},{"text":"Uh-huh.","start":3276.975,"end":3277.475,"sentiment":"neutral","sentiment_score":-0.04458582401275635},{"text":"Yep.","start":3285.5352,"end":3286.0352,"sentiment":"neutral","sentiment_score":0.017337903380393982},{"text":"Alright.","start":3289.39,"end":3289.89,"sentiment":"neutral","sentiment_score":0.11892013251781464}],"sentiment":"neutral","sentiment_score":-0.09307823494936411,"num_words":13,"start":3257.375,"end":3289.89},{"sentences":[{"text":"Have a look.","start":3290.03,"end":3290.85,"sentiment":"neutral","sentiment_score":0.18366301556428274},{"text":"And, yeah, if you need to have a call with her, just so you know, we're traveling overseas for a family emergency, this Friday, and we'll be back only on the October 8.","start":3291.55,"end":3306.2852,"sentiment":"neutral","sentiment_score":0.10010422055016864},{"text":"We'll be gone for about two and a half weeks or a little past week.","start":3306.2852,"end":3311.2651,"sentiment":"neutral","sentiment_score":0.05372060512502988},{"text":"Yeah.","start":3327.84,"end":3328.16,"sentiment":"neutral","sentiment_score":0.1711556613445282},{"text":"Sure.","start":3328.16,"end":3328.66,"sentiment":"neutral","sentiment_score":0.2990204691886902}],"sentiment":"neutral","sentiment_score":0.09680025532560528,"num_words":53,"start":3290.03,"end":3328.66},{"sentences":[{"text":"Yeah.","start":3328.88,"end":3329.38,"sentiment":"neutral","sentiment_score":0.2724890112876892},{"text":"Probably the next call can be together with Mino and me.","start":3330.6548,"end":3333.4749,"sentiment":"neutral","sentiment_score":0.2486548207022927},{"text":"And we talk about Mino's investments and just an overview of what just like we've done today for myself so that she's also aware of it.","start":3333.775,"end":3342.8948,"sentiment":"neutral","sentiment_score":0.2364062454838019},{"text":"And she usually goes through those calls, but then prefers that even I have a second she prefers a second set of files.","start":3342.8948,"end":3349.19,"sentiment":"neutral","sentiment_score":0.1053182220329409},{"text":"So, yeah, just that that is the only action that I would probably think after another three or four weeks from now because we are traveling.","start":3349.5698,"end":3358.39,"sentiment":"neutral","sentiment_score":0.0783351633984309}],"sentiment":"neutral","sentiment_score":0.1564745721460759,"num_words":87,"start":3328.88,"end":3358.39},{"sentences":[{"text":"Yeah.","start":3358.5298,"end":3358.845,"sentiment":"neutral","sentiment_score":0.0948997512459755},{"text":"Yeah.","start":3365.325,"end":3365.825,"sentiment":"neutral","sentiment_score":0.11413739621639252},{"text":"Yeah.","start":3367.085,"end":3367.585,"sentiment":"neutral","sentiment_score":0.20904305577278137},{"text":"Alright.","start":3370.845,"end":3371.345,"sentiment":"positive","sentiment_score":0.3848094940185547},{"text":"Yes.","start":3381.35,"end":3381.6702,"sentiment":"positive","sentiment_score":0.6054584980010986}],"sentiment":"neutral","sentiment_score":0.28166963905096054,"num_words":5,"start":3358.5298,"end":3381.6702},{"sentences":[{"text":"Thank you very much.","start":3381.6702,"end":3382.47,"sentiment":"positive","sentiment_score":0.7957157492637634},{"text":"I appreciate your patience, Ray.","start":3382.47,"end":3384.07,"sentiment":"positive","sentiment_score":0.6668977260589599},{"text":"It's 07:00.","start":3384.07,"end":3384.95,"sentiment":"positive","sentiment_score":0.37679506838321686},{"text":"I didn't mean to hold you off to such a long time.","start":3384.95,"end":3387.45,"sentiment":"neutral","sentiment_score":0.12913365103304386},{"text":"Yeah.","start":3392.895,"end":3393.395,"sentiment":"neutral","sentiment_score":0.1942465901374817}],"sentiment":"positive","sentiment_score":0.3756163402770956,"num_words":24,"start":3381.6702,"end":3393.395},{"sentences":[{"text":"Likewise, mate.","start":3396.6328,"end":3397.513,"sentiment":"positive","sentiment_score":0.4339432865381241},{"text":"Likewise.","start":3397.513,"end":3397.993,"sentiment":"positive","sentiment_score":0.3775313794612885},{"text":"Have a good night.","start":3397.993,"end":3398.973,"sentiment":"positive","sentiment_score":0.6545002609491348},{"text":"Cheers, mate.","start":3401.273,"end":3401.993,"sentiment":"positive","sentiment_score":0.5428603887557983},{"text":"Bye.","start":3401.993,"end":3402.493,"sentiment":"neutral","sentiment_score":0.27177903056144714}],"sentiment":"positive","sentiment_score":0.522091880440712,"num_words":10,"start":3396.6328,"end":3402.493}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good evening, Kedge. It's Tommy here from. How are you doing?\n\nChannel 1: Hey, Tommy. I'm good, mate. How are you?\n\nChannel 0: Oh, living the dream. It's a beautiful evening. Last call of the day. Who's not happy?\n\nChannel 1: Oh, okay. Living the dream. Last call of the day, I'm talking to me. That all of that did not really make a lot of sense together.\n\nChannel 0: I didn't. No. I'm having a great time. I look I was looking\n\nChannel 1: Yeah.\n\nChannel 0: forward\n\nChannel 1: I'm\n\nChannel 0: to\n\nChannel 1: just\n\nChannel 0: that\n\nChannel 1: working,\n\nChannel 0: chat,\n\nChannel 1: ma'am.\n\nChannel 0: and it's all good and ready to go, mate. Have you got a bit of time for me?\n\nChannel 1: Yes. Yes. Yes. I already had put us a name in the calendar, so I was expecting your call. Go for it.\n\nChannel 0: Perfect. I'll shoot through this email to you now just so we can look onto the documents.\n\nChannel 1: Oh,\n\nChannel 0: While that's coming through, I'll just quickly check security with you. Kitsch, are you okay for the call to be recorded?\n\nChannel 1: Yep. Okay. Yep.\n\nChannel 0: And just for the security of your information, so I'm registered with Asik as adviser 1273105. Could I please confirm your date of birth and address?\n\nChannel 1: Yes. Date of birth is 07/16/1939, and my address is 12 Catania Muse, Caroline Springs, Victoria 3023.\n\nChannel 0: Sensational. Now I have sent it through to your Gmail. Will you better look on to the advice document with me tonight?\n\nChannel 1: Sure.\n\nChannel 0: Perfect.\n\nChannel 1: Just one second. Let's see. Yep. Okay.\n\nChannel 0: Cool.\n\nChannel 1: Do I need to get on to I'd rather get on to my PC and a bigger screen than the mobile, if you don't mind.\n\nChannel 0: Yeah. If you\n\nChannel 1: Yeah.\n\nChannel 0: wanna\n\nChannel 1: Just\n\nChannel 0: take\n\nChannel 1: give\n\nChannel 0: a minute\n\nChannel 1: me one\n\nChannel 0: to\n\nChannel 1: second.\n\nChannel 0: switch across, that's okay.\n\nChannel 1: Yeah. Yeah. Just give me one second.\n\nChannel 0: No worries.\n\nChannel 1: Yep. Just headed to my screen. Oh, man. Okay. I can't because my son is having his class, so I don't have a big career.\n\nChannel 0: No worries.\n\nChannel 1: Let me see. Yeah. Yeah. Yeah. Alright.\n\nI'll just go on my phone.\n\nChannel 0: K. And if you want, I can obviously just give you the cliff notes, give you some time to read through it, but there's mainly about four, five tables I wanna run through with you that are the main ones. If you can look onto the document with me, I'll kind of just go through it as I would normally do if I was sitting\n\nChannel 1: Okay.\n\nChannel 0: in front of you just\n\nChannel 1: Yep.\n\nChannel 0: so I can cover off on everything.\n\nChannel 1: Yes.\n\nChannel 0: So what's come through, if you open them up, you should see the beach Front City Gold Coast picture there for\n\nChannel 1: Yep.\n\nChannel 0: the statement of advice.\n\nChannel 1: Yep. I'm on that\n\nChannel 0: Now\n\nChannel 1: page here.\n\nChannel 0: I do apologize with most of these advice pieces. I've included all of the product update documents from the insurer and the super fund. So there are about eight documents on the email. The statement of advice is the main one. There's a few hub 24 and NEOS documents.\n\nThere is a certificate of currency, some research appendix, and a service agreement as well. But if you swing down to pages three and four, you'll see the scope of advice for this particular document.\n\nChannel 1: Okay. Scope of the device considered and limited scope.\n\nChannel 0: Yep.\n\nChannel 1: Just download that. Yep.\n\nChannel 0: So\n\nChannel 1: I'm on\n\nChannel 0: what\n\nChannel 1: the\n\nChannel 0: we're essentially focusing on is the super review for the portfolio, the retirement goals, the contributions. We have factored in just a little bit of a reminder in terms of updating wills and powers of attorney for the estate plan and the premiums for the insurances, but we're obviously not giving you insurance advice right now until that next anniversary comes around.\n\nChannel 1: Yep.\n\nChannel 0: Cool. We're not giving advice for cash flow and debt management because, obviously, you're looking after that side of things, but I have just included in the goals, and we'll have that continual conversation with you on those topics.\n\nChannel 1: Yep.\n\nChannel 0: Cool. If you skim past there, you'll see a red heading for limited advice warning, and that's just letting you know that we're not covering everything in this document. If the information we have isn't accurate, it may not. It'll impact the recommendations.\n\nChannel 1: Yep.\n\nChannel 0: Now in terms of the about you section on pages seven and eight for your assets and liabilities, I factored in that updated income of around about the 153,000 that we were talking about.\n\nChannel 1: Yep.\n\nChannel 0: We've got your home investment property and vehicles listed, but, again, you're looking to sell that investment property as well.\n\nChannel 1: Yes. That's correct.\n\nChannel 0: Perfect. If you swing past there, you'll see the Neos insurance cover for the life TPD and income protection followed by on page ten eleven, your risk profile still remaining as growth.\n\nChannel 1: Just one second. Current risk profile portfolio. Yes. Life insurance, 1.5. TPD insurance, 1.5.\n\nIncome protection, 8973. Yes. And what's the next one?\n\nChannel 0: Is your risk profile.\n\nChannel 1: My\n\nChannel 0: So\n\nChannel 1: risk\n\nChannel 0: we're keeping\n\nChannel 1: profile.\n\nChannel 0: you as a growth investor.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep. If you go past there, you'll see a bit of a pie chart of what growth looks like, but the main page with most of the text is on page 12 under strategy recommendations.\n\nChannel 1: Just a second. Investment objective. Investment objective is to achieve a return that exceeds the increase in CPI by at least 4% per annum overall in five year period, which means if my if the CPI is at 4.35, then 9.35 is the investment objective, is it?\n\nChannel 0: Yeah. So that would be essentially\n\nChannel 1: Yep.\n\nChannel 0: the benchmark.\n\nChannel 1: The benchmark. Yeah. And investment but we are not going at that rate of interest. Right? The current\n\nChannel 0: Correct.\n\nChannel 1: investment returns are not at 9% or 10%, right? They're lower.\n\nChannel 0: That's eight point\n\nChannel 1: Yes.\n\nChannel 0: one two at the moment\n\nChannel 1: There's\n\nChannel 0: for\n\nChannel 1: one,\n\nChannel 0: the\n\nChannel 1: two.\n\nChannel 0: five year average.\n\nChannel 1: Okay.\n\nChannel 0: Yep. I'll show you that performance table a little bit lower.\n\nChannel 1: Sure. Just one second. Investment strategy. Utilizing a core satellite investment portfolio, we are able to invest into diversified range of investments with a focus on capital growth. Okay.\n\nOkay. Then the growth part. Okay. A lot to read. And then there's a pie chart.\n\nOkay. And I still go for go past the pie chart?\n\nChannel 0: Just pass the\n\nChannel 1: Yep.\n\nChannel 0: pie chart to the next blue heading.\n\nChannel 1: Yep. Strategy recommendations. Yep. Alright.\n\nChannel 0: So to kind of summarize this page a little bit, we're not changing super funds at this point. We're keeping hub twenty four. We're changing the underlying investments. So an investment switch is essentially what we're doing, plus a rebalance of all the options to be back in line with where they should be.\n\nChannel 1: Yep.\n\nChannel 0: So the reasoning for that is the next two paragraphs where essentially Hub twenty four has enough investment options and features to facilitate your needs and what we're recommending.\n\nChannel 1: Yep.\n\nChannel 0: The underlying investment change, we're trying to improve your position over ten years. We're obviously not giving you a full retirement analysis because past ten years, it becomes a little bit inaccurate to do a projection for that long. But we do have that overarching goal that we're tracking together of that mortgage paid off 1,500 a week after tax, and we'll continue to refine that each year together.\n\nChannel 1: Okay.\n\nChannel 0: We've\n\nChannel 1: Yeah.\n\nChannel 0: included\n\nChannel 1: I'm going\n\nChannel 0: here\n\nChannel 1: through that sorry. I'm\n\nChannel 0: sorry,\n\nChannel 1: going through\n\nChannel 0: Kitch.\n\nChannel 1: that changing your underlying investments paragraph, and it does not give me I mean, yeah, does not have any guarantees there. Yeah. Okay.\n\nChannel 0: Yep. So the main thing here in terms of the rationale is limit the investment fees. So there'll be when it says save $363 per annum, that's just based on the current balance because the\n\nChannel 1: Yep.\n\nChannel 0: fees are percentage based. So the bigger the balance grows, the more the fee savings will be from switching the investments. The one, three, five, and ten year returns are improved, and I've factored\n\nChannel 1: Mhmm.\n\nChannel 0: in a capital gains tax inside the super of about 225 for switching all the investments around. So that's\n\nChannel 1: Okay.\n\nChannel 0: factoring in all gains and losses and offsets, and you basically make that back within the first year just on the fee difference alone.\n\nChannel 1: Yep. Okay. Understood. Yep.\n\nChannel 0: K? Now it tends to repeat a lot of the same information in the next table on the next page. It just side by sides them in terms of advantages and disadvantages.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: it includes\n\nChannel 1: Yeah.\n\nChannel 0: the capital gains tax, performance, and fees. The difference that I need to point out is brokerage fees. So all of the investments that we have put in your portfolio, they are ETFs. So they're very, very cheap going forward, but you do pay a brokerage fee upfront to purchase them, which is around about 0.11%, which we factored in as well.\n\nChannel 1: Yep.\n\nChannel 0: Now one thing we can't estimate is the aggregated trading with hub twenty four. Again, when we place the trades, if anybody is selling what you're buying or buying what you're selling, it will switch the parcels without charging you a brokerage fee. So the brokerage fees tend to get minimized somewhere between zero to 80%. I can't estimate how much it'll be on the day, but I have seen it go well over half of the brokerage fees minimized with that feature.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: K?\n\nChannel 1: Yeah. We\n\nChannel 0: Hub\n\nChannel 1: have\n\nChannel 0: 24 still\n\nChannel 1: internal.\n\nChannel 0: has the most investment options, so it's just saying that overall, there'll be a slightly higher allocation to growth assets once we did all of the rebalancing as well.\n\nChannel 1: What is that percentage between how do you what do we call it?\n\nChannel 0: Yeah. So if you just swing down a little bit further, we'll show you in the tables the exact percentages for you. In terms of the risks and alternatives on the next page, they're usually just the same warnings about not being able to control the markets. Markets\n\nChannel 1: Yep.\n\nChannel 0: perform differently, no guarantees of performance, all that kind of thing. And depending on when we place the trades, the capital gains tax might be slightly different.\n\nChannel 1: Yep. Understood. Yep.\n\nChannel 0: The fee comparison table on page 15, if you can make out the figures in there.\n\nChannel 1: Page 15 is this and then alternate is considered.\n\nChannel 0: Yeah. So the one just after that.\n\nChannel 1: Yeah. So that is oh, page oh, page number on the p oh, this is the\n\nChannel 0: Yeah. Yep.\n\nChannel 1: dot\n\nChannel 0: That's\n\nChannel 1: com.\n\nChannel 0: right. Odoo would have it\n\nChannel 1: There's\n\nChannel 0: as\n\nChannel 1: a\n\nChannel 0: 16.\n\nChannel 1: different page number. Sorry. Sorry. Okay. I I see.\n\nI see. There's a page number at the footnote of each page. Okay. Page number 15.\n\nChannel 0: Yep.\n\nChannel 1: Yes. I'm on the table here.\n\nChannel 0: Perfect. So the difference column on the right hand side,\n\nChannel 1: Yep.\n\nChannel 0: we have factored in here a number of things. So the $2.25 is like your capital gains tax at the top. The investment fees, the $3.63 savings, that's two rows down.\n\nChannel 1: Yep.\n\nChannel 0: It'll say that the advice fees increased by $81, but that factors in the growth for that year, the improved growth, the contributions, and everything like that. And then I've included there if you maximize all of your salary sacrifice contributions to the cap minus the 15% tax.\n\nChannel 1: Hold on. Hold on. I'm in the lump sum comparison. Adviser fee fee then net contributions per annum. Net contributions per annum, what does that mean?\n\nWhat is the difference?\n\nChannel 0: So 32,500 is the cap for the financial year. You include your employee contributions and salary sacrifice, which I've put in an estimate for the maximum, and they take out a 15% superannuation tax when the contributions go in. So the net contributions are a little bit lower than 32,500.\n\nChannel 1: Yeah. Yeah. Yeah. So the my current, if I don't make any contributions out of pocket, then that's $1,561,569.00, is it?\n\nChannel 0: Correct.\n\nChannel 1: And the recommended is $275.80. That is net after all deductions on the $32,500.\n\nChannel 0: Correct. That's net of the tax that'll be taken out of the contributions, but it won't be the impact to your take home pay. I've got a separate tax table for that.\n\nChannel 1: Okay. I need to\n\nChannel 0: Is\n\nChannel 1: understand\n\nChannel 0: it\n\nChannel 1: why is it why is it not an impact on my take home pay? Because if I do an extra contribution, concession contribution, then will it not deduct, I mean, will it not reduce my take home pay by that much?\n\nChannel 0: yes. Correct. So what what I factored into this one is\n\nChannel 1: Mhmm.\n\nChannel 0: when it goes inside super, they take out 15% tax, so less will be invested. So for every $100.85 gets invested. But for your take home pay, they'll take it out before you get taxed and then tax you on the leftover. So for every $100 that goes in, it impacts\n\nChannel 1: Mhmm.\n\nChannel 0: you by $68 approximate.\n\nChannel 1: Oh, so oh, it reduces my tax liability by $68 for every $100 if I take it out of my I mean, I'm I make the extra contributions to Super, you mean?\n\nChannel 0: Correct. So slightly flip that. So if you put a $100 in, you will reduce your taxes by 30\n\nChannel 1: Mhmm.\n\nChannel 0: two or whatever\n\nChannel 1: Mhmm.\n\nChannel 0: your percentage bracket is for that amount, and\n\nChannel 1: Mhmm.\n\nChannel 0: then you'll lose that leftover in the pay. So if you put a 100 in, it'll cost you 60\n\nChannel 1: Yeah.\n\nChannel 0: 8, but you'll save 32 on tax.\n\nChannel 1: Yeah. Yeah. Okay. Understood. Understood.\n\nYeah. Cool.\n\nChannel 0: Perfect.\n\nChannel 1: So\n\nChannel 0: There is a performance average at the bottom of that table. I'm just using the five year figure for this one, but all of the figures are on the next page for every performance period.\n\nChannel 1: Okay. So the current is 8.12 and the recommended is 10.62. That's the five year rolling average. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Okay. So I'm just going to come back to the net contributions. You said that 27,580 is after all the deductions and tax deductions on the super. So from 30 to 500, the figure comes down to 27,580 that is available for investment. Correct?\n\nChannel 0: Yes.\n\nChannel 1: Okay. So it's it's that large figure. It's $4,000. Wow. Wow.\n\nOkay.\n\nChannel 0: Sorry. Say that last bit again?\n\nChannel 1: I said, see, the current limit for super with the concessional contribution is 30 to 500.\n\nChannel 0: Yes.\n\nChannel 1: Now I see a net contribution in the recommended column at $275.80.\n\nChannel 0: Oh, yep. Yep. And that's minus the 15% tax that they take inside the super fund.\n\nChannel 1: Yeah. So that's around little shy of $5,000 for the year.\n\nChannel 0: Correct.\n\nChannel 1: Wow. That's a big\n\nChannel 0: Yeah. So when you look at percentages, think of it this way. So when you think\n\nChannel 1: number.\n\nChannel 0: again of the $100, if you're\n\nChannel 1: Yep.\n\nChannel 0: getting taxed 32, 37%, you'll save that amount in your pay, but then they'll take 15% out of the super. So the\n\nChannel 1: Good.\n\nChannel 0: net difference is $22.25, the difference between the two, but it's just\n\nChannel 1: Yes.\n\nChannel 0: separate periods. One's inside the super fund, one's in your pay.\n\nChannel 1: Yeah. Yeah. Wow. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Cool. Alright. Let's move on to the next page. Is it now?\n\nChannel 0: Yep. So you've got the five and ten year projection estimates.\n\nChannel 1: Okay. So lump sum in five years, current will go to $2.57. The recommended will go to $3.55. That's with the 10 whatever recommendation rolling average.\n\nChannel 0: Correct. Yeah.\n\nChannel 1: Yep. Okay. And lump sum in ten years, currently reach $3.72, but the recommended will reach $6.20. Okay.\n\nChannel 0: That factors in the salary sacrifice contributions as well.\n\nChannel 1: Yep. So the salary sacrifice contributions have to be a constant, you're saying.\n\nChannel 0: Correct.\n\nChannel 1: Yep. Understood.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Okay.\n\nChannel 0: I have included in the appendix a projection that counts no additional contributions just so you've got those figures there as well.\n\nChannel 1: Brilliant. Brilliant. Alright. Okay. So shall I jump to that one right now in the appendix or are we going one item after another?\n\nChannel 0: We'll\n\nChannel 1: How\n\nChannel 0: just\n\nChannel 1: how\n\nChannel 0: go\n\nChannel 1: how will\n\nChannel 0: through\n\nChannel 1: you\n\nChannel 0: these\n\nChannel 1: driving\n\nChannel 0: next few pages, and then I'll switch you across to the appendix.\n\nChannel 1: it? Yep. Sure.\n\nChannel 0: The performance table here, I've got the one, three, five, and ten years.\n\nChannel 1: One, three, five, and ten years. Yes. Analyze investment returns. Yes. Yes.\n\nChannel 0: Yep. So current versus recommended portfolio. Again, trying to hit that kind of double digits across all time periods was my goal in the updated portfolio.\n\nChannel 1: Right. Okay.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: you\n\nChannel 1: Okay.\n\nChannel 0: can\n\nChannel 1: Yeah.\n\nChannel 0: see the sort of 6.8 to 9.9, 12 to fifteen, eight to ten, eleven to just under 13.\n\nChannel 1: Yep. Yep. Does it go for five years, does it drop always?\n\nChannel 0: Depends on what's happening in the world. So that's the funny thing about the data snapshots is if there has been a drop like COVID within the last\n\nChannel 1: Alright.\n\nChannel 0: five to\n\nChannel 1: Yeah.\n\nChannel 0: six years, that'll impact that a lot more. So it depends on when you're chopping the data.\n\nChannel 1: Alright. So this is more of a conservative approach taken right now? Is that how it\n\nChannel 0: Yeah.\n\nChannel 1: is? Okay.\n\nChannel 0: Factoring in essentially a decade gives you usually one or two market drops, and that gives\n\nChannel 1: Yep.\n\nChannel 0: you a nice average.\n\nChannel 1: Yeah. Yeah. Yeah. Exactly. Alright.\n\nGood. Like, I think it's in every eight years there's a market drop. If not,\n\nChannel 0: Yes. Seven or eight years is to\n\nChannel 1: seven\n\nChannel 0: be expected.\n\nChannel 1: or eight years is the cycle currently. Yep. Okay.\n\nChannel 0: Yep. You got the .com in 2000, GFC in 2007, COVID,\n\nChannel 1: Yep.\n\nChannel 0: Greece and China Crisis in twenty fourteen, fifteen. It just goes on and on.\n\nChannel 1: Yep. Yep. Exactly. Cool. Alright.\n\nChannel 0: Cool.\n\nChannel 1: Yep.\n\nChannel 0: Portfolio on the next page. So, again, apologies for the amount of figures in these tables, but this is the update that we're recommending. And the easiest way to understand it is the left hand column is the options. The second last column in the target weight, that is what\n\nChannel 1: Mhmm.\n\nChannel 0: we're recommending it goes to.\n\nChannel 1: Yeah. Okay. Okay. Just give me one second. I think I need my glasses for this now.\n\nChannel 0: Yeah. This will be the main one for for the glasses that I would recommend.\n\nChannel 1: Yeah. Just one second. My glasses. Hi. All good?\n\nHi. I'll see you. I'll see you. I'm on the phone. Sorry.\n\nSorry, Tommy.\n\nChannel 0: No worries at all then. I apologize.\n\nChannel 1: It is not steady. Yeah. Alright. Where's the page? Yep.\n\nAlright. Got it.\n\nChannel 0: Cool. So we discussed three main funds to possibly replace in the portfolio.\n\nChannel 1: Uh-huh. Yep.\n\nChannel 0: I'm recommending five be updated.\n\nChannel 1: Okay. Alright. Cool.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So we've got the battery tech and lithium, which is probably one of your best performers that I'm wanting to replace for the time being,\n\nChannel 1: Mhmm.\n\nChannel 0: is essentially just take the winnings while it's hot. Once you get, you know, return of 60 to a 100%, there's no point being greedy for the time being. It's\n\nChannel 1: Yep.\n\nChannel 0: something to it's always kept on the side to come back to. Once there's a pullback, we can jump back into it. The Bennelong was the main underperformer in the second row.\n\nChannel 1: Yep.\n\nChannel 0: The bank hybrids, which is again that type of term deposit that the government is phasing out, that one is being removed.\n\nChannel 1: Yep.\n\nChannel 0: We've got the gold allocation and a number of options underneath that, which are remaining, but are just being rebalanced back in line with where they should be. So from 8% to 10%, it really should be around that much for your alternative assets. So those ones that you can see from there are rebalanced but maintained.\n\nChannel 1: Mhmm. Yep. We got shares to 5% bringing it down. IShares to 14% bumping it up by another six\n\nChannel 0: Yep.\n\nChannel 1: odd percent. IShares from 20 to 30. Alright.\n\nChannel 0: And then from here,\n\nChannel 1: Yeah.\n\nChannel 0: these\n\nChannel 1: Yeah.\n\nChannel 0: are the last two that are being removed, which\n\nChannel 1: Yep.\n\nChannel 0: is the property option, which as a reminder from our last conversation, these are property companies, which are doing quite poorly after the legislation changes for capital gains tax and negative gearing.\n\nChannel 1: Yep. Yep.\n\nChannel 0: The last one there so this one's just a little bit of a sidestep for you. So the Raffi Australia two hundred,\n\nChannel 1: Mhmm.\n\nChannel 0: that is essentially an index fund that tracks the Australian market. It was a sister funds to the Benelong. They were both investing in similar assets, but\n\nChannel 1: Mhmm.\n\nChannel 0: I'm just consolidating that into the bottom option, which is the bait Australia's Australia 200.\n\nChannel 1: Oh, okay.\n\nChannel 0: Reason being is, again so reduced fees, improved performance, and we wanted to try a lower fee option for yours. But I also wanted to just, generally speaking, reduce your Australian allocation a little bit compared to the international side.\n\nChannel 1: Alright. Okay. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: So a few\n\nChannel 1: Okay.\n\nChannel 0: more satellites get added for Europe, Japan, and developing countries that exclude The US just to get you a bit more exposure to the areas that are doing a bit better economically than Australia is currently.\n\nChannel 1: Okay. So iShares for Europe, MSCI for Japan, and Vanguard on world. Okay.\n\nChannel 0: Yeah. So\n\nChannel 1: Excluding\n\nChannel 0: that one excludes\n\nChannel 1: this.\n\nChannel 0: the\n\nChannel 1: Okay.\n\nChannel 0: US. Your US exposure is in the S and P 500. This one just gets you a few countries outside of The US.\n\nChannel 1: Right. Right. Yeah. Okay. And then invest 20%.\n\nOkay. So 20% is going to be a large contribution to Australia, 200. Okay.\n\nChannel 0: Yeah. So instead of the Raffy, which is at 16, and Bennelong,\n\nChannel 1: Yep.\n\nChannel 0: which is at 11, so instead of 27% Australia shares, we're going down to 20.\n\nChannel 1: Yeah. Okay. Okay. Alright. And of of these, that that you're recommending, ISHES Europe or ISHES Japan, Vanguard, all world excluding US, are they kind of performing right now or are they at\n\nChannel 0: A\n\nChannel 1: the top of their performance? Are we investing them at the top of the performance at the top or how are they placed right now?\n\nChannel 0: little bit of both. So some of them have a position for the future investments, which is the old world. That's more once manufacturing moves away from China to different industries, different countries, that will tend to pick up when their GDP increases. But when you look at, for example, like Japan and so on, they've actually had improved economic returns the last sort of year or two compared to where they were five and ten years ago. So we're sort of catching them mid rise, whereas the all world excluding The US, that is for future economic growth.\n\nChannel 1: Okay. So\n\nChannel 0: None of them are at the top of a cycle where we're gonna invest at the top to have a crash.\n\nChannel 1: yeah. Yeah. Yeah.\n\nChannel 0: The closest thing to that would be the gold option, but that's already had enough of a pullback that it's a bit of a buying opportunity.\n\nChannel 1: Right. So you're adding another 1.97 to it. Okay.\n\nChannel 0: Yep.\n\nChannel 1: Yep. Okay. Okay. See, in my personal experience, the only reason why I ask is in my personal experience, when I have touched something, it is not turned to gold. It is turned to stone.\n\nThat I know where I can fail. So that's why the question yeah. Let's not invest at the top because the next thing it it is going to do is go down. So yeah.\n\nChannel 0: Yep. No. At least, you know, how we talked about the volatility last conversation?\n\nChannel 1: Yeah.\n\nChannel 0: Through\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: the end of that, we'll still get a good average because we've got some diversification there. Normally, I run around about six to eight options in a portfolio. I'm adding a couple of extra ones on for you just to get a little bit more spread. And\n\nChannel 1: Mhmm.\n\nChannel 0: that way, it's not gonna be as sharp. Like, if I had you in just that, like, battery tech and lithium, for example, if that one industry goes under, then all of a sudden your super shoots down 5% just off that one satellite. Big impact. Just trying to minimize the impact a little\n\nChannel 1: Yeah. Yeah. Yeah. Yeah. Yep.\n\nAnd for the whole world, excluding US, you're you're talking about other countries getting more manufacturing outside of China.\n\nChannel 0: bit.\n\nChannel 1: That is not going to happen for the next ten, twenty years, isn't it? With China making and selling electric cars and everything else, do we really think that the whole world is going to really experience a boom or something or pick up sometime soon?\n\nChannel 0: Yeah. Not just from the China side of things. Like you said, that's more long term. This is more developing nations that are in an economic growth.\n\nChannel 1: Oh, okay.\n\nChannel 0: So that\n\nChannel 1: Oh,\n\nChannel 0: was\n\nChannel 1: okay.\n\nChannel 0: just an example of it, but it's not just hinging on once China does this, then it'll go up. It'll be hinging on a lot of different countries growing as well.\n\nChannel 1: Oh, okay. And what countries I mean, just for information's sake.\n\nChannel 0: So it also what it does is not just the countries themselves. It follows companies around different areas. So it includes, like, Samsung, semiconductor manufacturers in Taiwan, a few different companies like that that are around the world. So\n\nChannel 1: Uh-huh. Okay.\n\nChannel 0: they're kind of linked into the AI boom a little bit as well, and it's not just incumbent on, like, the, you know,\n\nChannel 1: Mhmm.\n\nChannel 0: African GDP or something like that.\n\nChannel 1: Yeah. Yeah. Yeah. Okay. We're not banking in any of these.\n\nWe're not banking heavily on the AI. Right?\n\nChannel 0: No. I haven't included any Nasdaq stocks for you or anything like that, anything tech heavy. It's if they become large companies within the index that you'll link to, you'll get exposure that way, but nothing directly linking into the hyperscalers or anything directly tech focused yet.\n\nChannel 1: Because yeah. Okay. Because I I have a feeling that they it's typical just like the Internet, just like anything else. The AI is a bubble and it'll burst. I'm not saying it's fake, but it'll take some time before it really gets picked up to or used or applied to its full potential.\n\nSo\n\nChannel 0: Yeah. I\n\nChannel 1: yeah.\n\nChannel 0: think I tend to agree with that too. And and what I'm seeing when I talk fund managers and the investment committee is that when the hype blows something up that quickly, you tend to see a pretty large pullback. Even if it's fantastic in ten, twenty, thirty years' time, it'll just be sharp up, sharp declines. The closest thing that you've got to this is your cybersecurity side of things, which is obviously an area to improve when it comes to tech tech and AI.\n\nChannel 1: Nope.\n\nChannel 0: But I'm not comfortable throwing in a a tech stocks ETF into your portfolio given where you need to get as much growth in ten years as possible and not risk, you know, two years step back because of a bubble popping.\n\nChannel 1: Yeah. Exactly. Yeah. That makes\n\nChannel 0: I've got\n\nChannel 1: the\n\nChannel 0: some\n\nChannel 1: question.\n\nChannel 0: clients who love the Nasdaq and love the tech stocks, and they're 35 and they wanna they reckon it's gonna go up 10 times, 10,000 times. That's great. That would not be responsible if I put your super\n\nChannel 1: Yeah. Exactly. That makes sense.\n\nChannel 0: into\n\nChannel 1: Yep.\n\nChannel 0: that. Yep.\n\nChannel 1: That makes Yep.\n\nChannel 0: Cool. One other thing to point out was just the asset allocation you asked me before on the percentages.\n\nChannel 1: Cool.\n\nChannel 0: If you can just swing down two more pages, you'll see like a little cash table because we need to maintain the 1.25% within the hub, and then you've got your pie chart for your asset allocation.\n\nChannel 1: The cash table is target rate is 1.25. Okay. Okay. Yep. So reducing the cash component there.\n\nYep. And\n\nChannel 0: Yeah.\n\nChannel 1: then the\n\nChannel 0: That's\n\nChannel 1: yeah.\n\nChannel 0: fluctuates with all the transactions, contributions, buys and sells. So target weight is 1.25. When I rebalance it, it'll rebalance it, but it also automatically does it. So you will tend to get emails saying cash balance is low, investments that get sold down, contributions go in, and it tops itself back up. But this is basically where your cash balance was sitting when we did the research versus\n\nChannel 1: Mhmm.\n\nChannel 0: the long term average that we need to maintain.\n\nChannel 1: Yeah. Yep. Yep. Okay. Alright.\n\nChannel 0: K. For that next table, the easiest way to see underneath that pie chart is it gives you the percentages of your risk profile just as an as an estimate.\n\nChannel 1: Mhmm.\n\nChannel 0: It gives\n\nChannel 1: Mhmm.\n\nChannel 0: you where it's sitting at and what we've proposed. The main thing to point out here is obviously a little bit of a reduction in the Australian equities from that 26, 27 to just under 20%. International\n\nChannel 1: Yep.\n\nChannel 0: is increasing a little bit. Alternatives are increasing a little bit. We're slightly increasing your growth allocation from about 81 to 85 is where this portfolio sits.\n\nChannel 1: Okay. International liquid is 55. Okay. Okay. Yep.\n\nYeah.\n\nChannel 0: Again,\n\nChannel 1: Property\n\nChannel 0: 80\n\nChannel 1: zero.\n\nChannel 0: to 90\n\nChannel 1: Yep.\n\nChannel 0: is your band that it fluctuates between as the markets go up and down. So 85 is pretty much in the middle for a growth investor.\n\nChannel 1: Yeah. Okay. Alright. $82.90 is the band, right, for the growth? Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Alright. Mhmm. Yep. Fixed interest is proposed to 13.83. Yeah.\n\nOkay.\n\nChannel 0: K.\n\nChannel 1: So defensive total, sorry, defensive total is at 20%. It'll go down to 15%, right?\n\nChannel 0: Which column is that for? Sorry.\n\nChannel 1: So\n\nChannel 0: Yes.\n\nChannel 1: the last line, defensive total, alternative defensive assets have been reduced to zero.\n\nChannel 0: Yes. There's no alternatives in your current portfolio or the proposed. We don't really use alternative defensive assets at the moment.\n\nChannel 1: So am I so from a portfolio risk profile perspective, I'm sitting into the sitting in the 80 to 90%. Is that a high risk profile?\n\nChannel 0: No. So it's like a four out of five. It's the one below high risk, the one above medium.\n\nChannel 1: One below high risk and one above medium.\n\nChannel 0: Above above middle. So if you think of a scale of five, you're sitting at a four, and it basically goes in bands of 10%. So 90 to a 100 is high growth, 80 to 90 is growth. That sort of 65 to 75 is\n\nChannel 1: Yeah.\n\nChannel 0: balanced, 50 is around moderate, and conservative is below 50%.\n\nChannel 1: Okay.\n\nChannel 0: So if you're in pension phase, you'd probably have about 40 to 45% growth assets.\n\nChannel 1: Right. Okay. And you advise staying in the eighty two percent nine 80 to 90% that is in the high growth? No. Yeah.\n\nHigh growth. Right? That's what it is called?\n\nChannel 0: No. So 90 to a 100 would be high growth. I advise staying within the 80 to 90.\n\nChannel 1: Okay. So you still advise staying between the 80 to 90 and there's no reason for us to look at any more defensive or debt based assets?\n\nChannel 0: No. So, basically, in terms of time frame, like we were talking about, you've got that last sort of five to eight years to get as much growth out of it as possible without going excessive with the risk. And then, you know, how we set that benchmark of around about nine to 10%? Anytime that we get returns of twelve, fifteen, 18%, we're gonna use that as an opportunity to slowly reduce risk a little bit quicker. And if\n\nChannel 1: Yep.\n\nChannel 0: we're above benchmark, we'll reduce it. If we're below benchmark, we'll wait for it to catch back up and just make sure that once you get to the late fifties that you're not still sitting in a, you know, primarily growth focused portfolio. You wanna be sitting slightly lower every two to three years. But it'll basically have to be a twelve month conversation to see whether we should adjust the level of risk.\n\nChannel 1: Alright. Okay. Okay. Alright. Give it as it right now.\n\nChannel 0: Just bear in mind for one last hurrah, and this will be the biggest risk that you face, is if we were to experience this full stock market crash and economic depression this year or next year, we would almost kind of welcome it for you to happen soon so that you could use it as a buying opportunity with all of your contributions to salary sacrifice and buy as much as you can so that if we get a good five, six year run-in the markets, then you've got your retirement goal ticked, and we can pull you\n\nChannel 1: Oh, yeah. That makes\n\nChannel 0: out.\n\nChannel 1: sense. But then I also have to have a job for that. Right? If there's a market downturn and if it's that drastic, very likely that a lot many people will lose jobs.\n\nChannel 0: Yeah. It's like if there's another GFC, it was the greatest buying opportunity, especially for those who maintained an income or capital. Very, very difficult for a lot of people at that time. I know my parents had to sell homes and things like that. If there's anything worse than a GFC, Mad Max, World War three nuclear bombs, then the super is gone, and we won't even be able to connect on the phone.\n\nSo that's probably a risk too far that we can even factor in. But, again, market drops are good buying opportunities if we can get them. My issue for you, Kij, is I don't want it to happen in four years' time\n\nChannel 1: Yes.\n\nChannel 0: when it's, like, a really bad sequencing risk. You don't wanna be having it happen when you're, like, four years out from retirement because it's that you're on that middle ground of, oh, I just wanna finish off the last couple of 100,000 of growth, but I also don't wanna lose 200,000 and have to delay retirement by two, three years.\n\nChannel 1: Yeah. Exactly. Exactly.\n\nChannel 0: Yeah. So it's a pretty it's a serious decade for yourself. I I have a lot of fun with my job in building portfolios and discussions with clients. But at the end of the day, I do take it very seriously that what happens in the next five to ten years is gonna translate to your quality of life. And as long as we can have those discussions throughout the year, we will keep on top of it.\n\nAnd whenever something changes in the world, we'll discuss what can be done, what the options are.\n\nChannel 1: Yep. Yep.\n\nChannel 0: K.\n\nChannel 1: Yeah.\n\nChannel 0: That pretty much ends the portfolio side of things. There was just one last table for the contribution taxes if you wanted to have a look at that before we switched.\n\nChannel 1: Yep. Let's go forward.\n\nChannel 0: If you go two more pages, again, apologies for the amount of text on that contribution strategy,\n\nChannel 1: Yeah.\n\nChannel 0: Just talking about amounts and everything to contribute.\n\nChannel 1: That makes a lot of sense. I'll I'll go through it more with more focus after the call. But, yeah,\n\nChannel 0: Yep.\n\nChannel 1: the table does give me the information. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Okay.\n\nChannel 0: Any questions so far?\n\nChannel 1: Nope. Yeah. The table is quite clear. Yep. Okay.\n\nService sacrifice for 13,000 tax saved is around 6,000 or less. And the net income goes down by 8,000. Yep.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: for\n\nChannel 1: Go for\n\nChannel 0: five\n\nChannel 1: it.\n\nChannel 0: 38 of fortnight, it'll probably cost you around about a 165 in the pay.\n\nChannel 1: On the tax, you mean?\n\nChannel 0: In terms of the lost income. So if you put $5.38 before tax, your take home pay will be reduced by about a 164 once all the tax has been included, and then that money goes into super, and then 15% gets taken out of it. So I like to just kind of split it between what's gonna impact your your next pay run versus\n\nChannel 1: Mhmm.\n\nChannel 0: what's gonna happen inside the super fund.\n\nChannel 1: So I'm I'm a little confused when you say per fortnight, I have to pay $5.38 for the super. That is pretax. So my tax liability goes down. I understand that. But\n\nChannel 0: Yep.\n\nChannel 1: fortnightly, I'm not getting the $500 also. Right?\n\nChannel 0: You would be getting less. $5.38. That's $16.05. So if you put $5.38 before tax through the pay, through the salary sacrifice, you would lose $3.73 less in the pay.\n\nChannel 1: Okay. Okay. That is this is something that does not make sense to me.\n\nChannel 0: Yep.\n\nChannel 1: I I I I know what you mean. It is it is all based on the tax liability that gives me money back because I've saved some money pretax. So the the tax liability is low, but it does take the money out of my fortnightly pay. Right? My fortnightly taxable income in hand.\n\nLet's say my fortnightly I'm on paid pay calculator. I've just put in this number, 153286, and my fortnightly pay is 4323. Now if I add the salary\n\nChannel 0: Wait.\n\nChannel 1: cycle\n\nChannel 0: Let me\n\nChannel 1: file\n\nChannel 0: grab that back up. 424323?\n\nChannel 1: yep. 4323. Uh-huh. I get it. I now I understand what you're saying.\n\nSo 4323 is without the salary sacrifice, point six two, okay, minus. And then if I add the salary sacrifice, my take home is $39.09 1.09. That's $332 reduced. Oh, okay.\n\nChannel 0: Yep. And\n\nChannel 1: Uh-huh.\n\nChannel 0: that's actually where we get our figures from is pay calculator.\n\nChannel 1: Yeah. Yeah. Yeah. I'm sure. Yeah.\n\nThat's like a standard, isn't it? Everyone uses that.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: It's\n\nChannel 1: Yeah. Yeah. Yeah. It is brilliant. Yeah.\n\nYeah. Yeah. So, effectively, I'm putting 500 there, but then my deduction is only 320 300\n\nChannel 0: brilliant.\n\nChannel 1: 32. Okay. I\n\nChannel 0: Yeah.\n\nChannel 1: need to work out on this one with my company because I have a limited lease going on on my salary. Two.\n\nChannel 0: Yeah. It's when they switched you over in June, July to fortnightly contributions, your salary sacrifice stopped.\n\nChannel 1: Mhmm. Yes. I asked them to stop it because of the cost of living crisis. The investor property is\n\nChannel 0: Yeah.\n\nChannel 1: bleeding us out with that interest rate, not forget the interest rate, but it's a weekly $1,000 flat. I have to pay for that investment property. So\n\nChannel 0: Jeez.\n\nChannel 1: yeah. And what has happened is because I had put it on sale and it's not, you know, I we couldn't sell it. I still had to pay I still have to pay my broker the $8,000 for the staging and real estate charges, you know, all of those that jazz that goes on with selling, advertising and everything.\n\nChannel 0: Yeah.\n\nChannel 1: So and I don't have any money in my pocket. I had to I lost some money in my investments last year, and\n\nChannel 0: Yeah.\n\nChannel 1: it wiped out it wiped out. So it wiped out a lot of money from my pocket. I had some good $30.40 grand that I was thinking that this year I'll pump in in my concessional to recover for the carry forwards on the ATO for\n\nChannel 0: Yep.\n\nChannel 1: the supers,\n\nChannel 0: Yeah.\n\nChannel 1: but I lost all that money. All that money is gone. It's a write off. So\n\nChannel 0: Yeah.\n\nChannel 1: we decide\n\nChannel 0: I remember\n\nChannel 1: to\n\nChannel 0: you saying\n\nChannel 1: sell the\n\nChannel 0: even\n\nChannel 1: house.\n\nChannel 0: the offset account's been depleted as well.\n\nChannel 1: Yes. My offset account is now probably worth only $13,000 or something.\n\nChannel 0: Yeah.\n\nChannel 1: Alright. So I'm I'm holding that 13,000. And out of the rent, I have to pay the broker for the advertising and staging and all those costs.\n\nChannel 0: Yeah.\n\nChannel 1: And also the crisis, you know, the it's so expensive now. Everything's moved up. So I've stopped contributing right now temporarily. Once I've paid the broker probably in another month, so by October. By October or November, I will resume my super contributions so that I will have some savings coming from the rent.\n\nCurrently, the rent is servicing everything. It just\n\nChannel 0: Yeah.\n\nChannel 1: comes in, the salaries just go out, and the rent just goes out.\n\nChannel 0: Well,\n\nChannel 1: So\n\nChannel 0: to be honest, Kij, if you wanted to just leave that off for the remainder of the year and rebuild your savings, if you started to back up again in the new year, it wouldn't really hurt that much a couple of months. And if it means that much more to have a bit more of a buffer and a rainy\n\nChannel 1: Mhmm.\n\nChannel 0: day fund, then absolutely do that. Your retirement is not gonna hinge on two, three months of contributions.\n\nChannel 1: Yes. Oh, yeah. Oh, that is definitely helpful, mate. Yeah. In fact, for Meenal and myself, Meenal hasn't been contributing to her salary to her salary sacrifice ever before because we've just been, you know, through all of these jazz.\n\nSo yeah. So if that's possible, and I can stretch it till January, then Meenal and I, you can make a note of it. Meenal and I can start January\n\nChannel 0: Yeah.\n\nChannel 1: 2027 to start making those salary sacrifices. We'll be in\n\nChannel 0: Yep.\n\nChannel 1: a better condition with some more savings, you know, at least for a couple of months, I don't know, $1,520,000 in the office. Yeah.\n\nChannel 0: Yeah. Look, that gives me a smile, Kitch. I'm gonna put that on the file and look look after yourselves. It's not it's not a fun\n\nChannel 1: Yeah.\n\nChannel 0: position to be in these\n\nChannel 1: Yeah.\n\nChannel 0: days,\n\nChannel 1: Yeah.\n\nChannel 0: what's going\n\nChannel 1: Yeah.\n\nChannel 0: on with the fuel and everything. And it it does feel a lot better to have a bit of savings. Even myself had a similar situation with having to foot the bill for all of the repairs and interest rate increases and the fuel and everything like that, and my savings went down too. Now that I've built it back up again, I feel a lot safer, a lot more comfortable. My wife is still fine.\n\nShe goes to Myron. There's a discount there and buys the coffee machine, but overall, we're in a much better position.\n\nChannel 1: Yes,\n\nChannel 0: And,\n\nChannel 1: please.\n\nChannel 0: look, we spent, I think, eight months pausing all investments and just rebuilding the savings, and it made us feel a lot better. And now if the car breaks, I'm fine, and then investing resumes again. So, again, 100%, Build your savings up, and I will make sure that you still get to the goal regardless.\n\nChannel 1: Thank you, mate. That's definitely quite reassuring and very helpful right now. Yeah.\n\nChannel 0: That's one thing I haven't mentioned just yet is that ten year projection that I was talking about, that\n\nChannel 1: Yep.\n\nChannel 0: still tracks pretty well for the goal that we were speaking about,\n\nChannel 1: Mhmm.\n\nChannel 0: which is trying to get about 1,500 a week after tax with the mortgage paid off,\n\nChannel 1: Mhmm.\n\nChannel 0: you will easily be able to, at the age of 57, produce about a thousand a week from there. There'll be a few last years of getting your last few contributions and growth out of it. So your portion at this point should be able to produce around 1,100, 1,200 a week. And on top of that, the few 100, and you are on track.\n\nChannel 1: Oh, yeah. Exactly. That will be a relief. Definitely. There's no doubt about it.\n\nYeah. Yeah. Cool. Alright.\n\nChannel 0: Alright. Happy with that so far?\n\nChannel 1: Yes. Very much, Tommy. This is, frankly, has been the best call with you I've had till date.\n\nChannel 0: The best call with OP you've had to date. I'm I'm\n\nChannel 1: Yes.\n\nChannel 0: floored. Thank you very much for that.\n\nChannel 1: Yeah. Yeah. Definitely. I mean, the information that you've put in and the way you've just taken me through all that information has been quite insightful because all our earlier calls with Kyle, and nothing wrong with Kyle Giddings, but all the calls have been he's taken me through those numbers, but I had never seen anything in front of me as a document. I will only get that as a document to sign, and then nothing I mean, nothing made sense because the call was done before when I was not looking at anything.\n\nNow you've taken me through the documents, so I know there are touch points that I can go and read and understand more deeply. Yeah.\n\nChannel 0: Yeah. I find it a bit better to have the visuals in front of me. I'm a bit of a whiteboard guy myself, and I\n\nChannel 1: Yeah.\n\nChannel 0: think being able to look onto the tables makes a bit more sense.\n\nChannel 1: Oh, 100%. 100%. Makes a lot of difference. Yeah.\n\nChannel 0: From there, mate, the rest of that is pretty much just reminders on why you should have updated wills and powers of attorney and everything up to date. I have factored in, of course, the commissions that we still get from Neos, the adviser service fees, if you're comfortable to remain a client for the time being, and implementation is very straightforward. If you can consent to this document once you've had a read and you're comfortable on a Friday, we do buy sell orders and can switch the investments\n\nChannel 1: Yes, please. Alright. So I have to sign it and send it to you now?\n\nChannel 0: for you. Yeah. You can take some time to read it. You don't have to send it to me today. You can do it tomorrow if you like.\n\nChannel 1: Oh, yeah?\n\nChannel 0: I have included the ongoing consent form with Hub, though, because it's expired with us. So I just need to make sure you're comfortable with our fees of the 1.1%, and the rest of those documents do not require signatures. They're just to keep on file. So if you haven't used this new system before, the statement of advice has a consent form to sign. The consent with hub twenty four has a signature.\n\nThe rest of them, they get emailed to you as an attachment to keep, and that's like your certificate of insurance, the hub documents, the product disclosure documents. But, yes, once you're comfortable and we receive the document back signed, we'll put you in for the next investment\n\nChannel 1: Okay. So for the emails, I just have one email right now from your side that says signature request,\n\nChannel 0: switch. Yep.\n\nChannel 1: the the document that you've taken me through. I went to the rest of the document, but I do not see a consent form for hub 24 there in that in any of those pages below. It'll\n\nChannel 0: Yes.\n\nChannel 1: be\n\nChannel 0: So\n\nChannel 1: a different document, isn't\n\nChannel 0: the part that I'm not a 100% on is\n\nChannel 1: it?\n\nChannel 0: when you get to the bottom of it, it'll probably have, like, a begin button to start signing the statement of advice, but there should be a button there to say next document or even little arrows to flick between them to actually skip between each of the documents.\n\nChannel 1: Okay. Oh, yeah. Yeah. Yeah. There's one of eight, which means there's an okay statement of advice.\n\nChannel 0: Yep. And the next one is\n\nChannel 1: Of\n\nChannel 0: like\n\nChannel 1: 20\n\nChannel 0: a\n\nChannel 1: four. Oh,\n\nChannel 0: a\n\nChannel 1: yeah.\n\nChannel 0: forest\n\nChannel 1: Yeah.\n\nChannel 0: looking picture. That's the appendix with the research in there with the other projection with no contributions in.\n\nChannel 1: Yep. That's\n\nChannel 0: 20\n\nChannel 1: the\n\nChannel 0: four.\n\nChannel 1: also called\n\nChannel 0: Yeah.\n\nChannel 1: the statement of advice.\n\nChannel 0: Sorry. It's got a bit\n\nChannel 1: Then\n\nChannel 0: of a gray text above it for the appendix, but it says statement of advice, appendix two in very faint gray text. Apologies\n\nChannel 1: yeah.\n\nChannel 0: for that.\n\nChannel 1: I paid to the Bendix two. Yeah. Yeah. Yeah. Yeah.\n\nCool.\n\nChannel 0: And,\n\nChannel 1: And half\n\nChannel 0: yeah, so\n\nChannel 1: 20\n\nChannel 0: that's that\n\nChannel 1: four.\n\nChannel 0: lets you skip around.\n\nChannel 1: Yeah. Okay. So the first document is to be signed. The third document is to be signed. Neos protection.\n\nOkay. That's all information. Fine. Alright. I'll go through them, and I'll do whatever is required.\n\nI think page numb document number five also requires a signature. No. It's just additional information. Alright.\n\nChannel 0: Correct.\n\nChannel 1: Cool. Cool. Cool. Cool. Up 24.\n\nProduct disclosure statement. Yep. Alright, mate. Tommy, I have everything I need. I'll\n\nChannel 0: Yep.\n\nChannel 1: just read through the first couple of documents. Not that it makes a lot of sense to me, but at least if it if something does not, then at least I can ask. That's why. Yeah.\n\nChannel 0: Yeah. Yeah. You can always just call up and ask a question, email, text, and we can go through any questions you have before we we touch anything.\n\nChannel 1: Yep.\n\nChannel 0: Just bear in mind, it does expire, the statements of advice. We can't have something signed nine months later kind of thing and actually implement it. So just bear in mind of an expiry on there. It's usually sixty days from the date of the document. And outside of that, I've got some notes in there to have a bit of a catch up with your next policy anniversary for the insurance, a bit of a New Year's catch up to see how the markets and portfolio have behaved.\n\nChannel 1: Yep.\n\nChannel 0: We have sort of touched on retirement goals and so on, and I can see that Minal's rollover has come through. So all of her advice has been implemented. We'll hold off on the contributions. Is there anything else that I can kind of help with, like, before Christmas time that I need to be aware of or let the team\n\nChannel 1: Just the thing\n\nChannel 0: know?\n\nChannel 1: with meals, yes, if it is rolled over, then are the investments correct, just like we've gone through for mine today? Just a review on your side and if everything looks fine, yes, just a message or an email stating that everything is okay, no change is required or something was resolved.\n\nChannel 0: Yep.\n\nChannel 1: Yes, so sooner the better just because now that we've started and I believe from the last conversation, you also did mention that it will be good for you to look at Nynal's portfolio as well. So that\n\nChannel 0: Yeah.\n\nChannel 1: the advice that you give kind of is a wholesome advice for the couple kind of thing.\n\nChannel 0: Yeah.\n\nChannel 1: So, yes, so if you can follow-up on that just that part and have that resolved now. Once I sign these off, I know that these investments will roll over to the new ones\n\nChannel 0: Yep.\n\nChannel 1: this Friday, like you said,\n\nChannel 0: So\n\nChannel 1: and the other part remains as minerals. That's it. Once we are on that part, then we are on autopilot. Basically,\n\nChannel 0: perfect.\n\nChannel 1: just review touch points whenever. Yeah.\n\nChannel 0: I'm having a look at her portfolio at the moment, and everything looks new, up to date, quality. There's only just that term deposit option there that I may need to switch out in the new year, but everything else looks pretty good. No\n\nChannel 1: And the\n\nChannel 0: Ben\n\nChannel 1: term\n\nChannel 0: and Loan.\n\nChannel 1: deposit\n\nChannel 0: No\n\nChannel 1: is\n\nChannel 0: property.\n\nChannel 1: the same term because it's just like mine? Or\n\nChannel 0: Yeah. It's just that the bank hybrids is the only\n\nChannel 1: Dubai\n\nChannel 0: one that\n\nChannel 1: Hybrid.\n\nChannel 0: I can see.\n\nChannel 1: Yeah. Yeah. Hopefully, it's not a lot of money invested there.\n\nChannel 0: No. It's only about 8,000 in that one. And one of the things that's gonna happen is they've got an automatic rollover set that it will kind of switch out\n\nChannel 1: Yep.\n\nChannel 0: in January to sort of a different rating,\n\nChannel 1: Uh-huh.\n\nChannel 0: a safer rating, but I'll have to keep an eye on possibly switching that one out with the same option that\n\nChannel 1: Yep.\n\nChannel 0: you've\n\nChannel 1: Alright. Have a\n\nChannel 0: got.\n\nChannel 1: look. And,\n\nChannel 0: Cool.\n\nChannel 1: yeah, if you need to have a call with her, just so you know, we're traveling overseas for a family emergency, this Friday, and\n\nChannel 0: Yep.\n\nChannel 1: we'll be back only on the October 8. We'll be gone for about two and a half weeks\n\nChannel 0: K.\n\nChannel 1: or\n\nChannel 0: So\n\nChannel 1: a little\n\nChannel 0: what I'll\n\nChannel 1: past\n\nChannel 0: do,\n\nChannel 1: week.\n\nChannel 0: I'll pencil on to the team mid October just to reach out to schedule a brief booking in, and then I can go through any updated touch points with yourself and get a bit of a\n\nChannel 1: Yeah. Sure. Yeah. Probably the next call can be together with Mino and me. And we talk about Mino's investments and just an overview of what just like we've done today for myself so that she's also aware of it.\n\nAnd she usually goes through those calls, but then prefers that even I have a second she prefers a second set of files. So, yeah, just that that is the only action that I would probably think after another three or four weeks from now because\n\nChannel 0: Perfect.\n\nChannel 1: we are traveling. Yeah.\n\nChannel 0: Alright. I'll let Michelle know to wait until you get back and then schedule that in\n\nChannel 1: Yeah.\n\nChannel 0: for both of you guys.\n\nChannel 1: Yeah.\n\nChannel 0: Alrighty.\n\nChannel 1: Alright.\n\nChannel 0: I'll leave that email with you, mate, but it's been an absolute pleasure. I told you my last call today would be great, and I was looking forward to it. It's always a pleasure, my friend.\n\nChannel 1: Yes. Thank you very much. I appreciate your patience, Ray. It's 07:00. I didn't mean to hold you off to such a long time.\n\nChannel 0: No. I finish in three minutes, so I'm gonna go see the kids,\n\nChannel 1: Yeah.\n\nChannel 0: play some games, and thank you so much for your time.\n\nChannel 1: Likewise, mate. Likewise. Have a good night.\n\nChannel 0: You too, kids. Cheers.\n\nChannel 1: Cheers, mate. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.52,"end":2.02,"sentiment":"neutral","sentiment_score":0.04245816916227341}],"sentiment":"neutral","sentiment_score":0.04245816916227341,"channel":1,"num_words":1,"start":1.52,"end":2.02},{"sentences":[{"text":"Good evening, Kedge.","start":3.1999998,"end":4.24,"sentiment":"neutral","sentiment_score":0.2828425367673238},{"text":"It's Tommy here from.","start":4.24,"end":5.38,"sentiment":"neutral","sentiment_score":0.2235214225947857},{"text":"How are you doing?","start":5.44,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.22943728417158127}],"sentiment":"neutral","sentiment_score":0.2418511306697672,"channel":0,"num_words":11,"start":3.1999998,"end":6.3399997},{"sentences":[{"text":"Hey, Tommy.","start":6.3999996,"end":7.2799997,"sentiment":"neutral","sentiment_score":0.26938197016716003},{"text":"I'm good, mate.","start":7.2799997,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5522331595420837},{"text":"How are you?","start":7.9199996,"end":8.74,"sentiment":"positive","sentiment_score":0.4218844175338745}],"sentiment":"positive","sentiment_score":0.43263958394527435,"channel":1,"num_words":8,"start":6.3999996,"end":8.74},{"sentences":[{"text":"Oh, living the dream.","start":8.96,"end":9.76,"sentiment":"positive","sentiment_score":0.4011014625430107},{"text":"It's a beautiful evening.","start":9.76,"end":10.98,"sentiment":"positive","sentiment_score":0.5394158959388733},{"text":"Last call of the day.","start":11.12,"end":12.32,"sentiment":"neutral","sentiment_score":-0.2716278463602066},{"text":"Who's not happy?","start":12.32,"end":13.155,"sentiment":"negative","sentiment_score":-0.5520045061906179}],"sentiment":"neutral","sentiment_score":0.046744792722165585,"channel":0,"num_words":16,"start":8.96,"end":13.155},{"sentences":[{"text":"Oh, okay.","start":13.735,"end":14.455,"sentiment":"neutral","sentiment_score":-0.16274066269397736},{"text":"Living the dream.","start":14.455,"end":15.514999,"sentiment":"neutral","sentiment_score":-0.0708438257376353},{"text":"Last call of the day, I'm talking to me.","start":15.575,"end":17.675,"sentiment":"neutral","sentiment_score":-0.2446210351255205},{"text":"That all of that did not really make a lot of sense together.","start":18.855,"end":21.994999,"sentiment":"negative","sentiment_score":-0.5135150070373828}],"sentiment":"negative","sentiment_score":-0.34871471148950084,"channel":1,"num_words":27,"start":13.735,"end":21.994999},{"sentences":[{"text":"I didn't.","start":23.075,"end":23.654999,"sentiment":"neutral","sentiment_score":-0.30521559715270996},{"text":"No.","start":23.875,"end":24.195,"sentiment":"neutral","sentiment_score":-0.03214551508426666},{"text":"I'm having a great 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looking","start":25.154999,"end":25.954998,"sentiment":"neutral","sentiment_score":0.14955782741308213}],"sentiment":"neutral","sentiment_score":0.16318548929232818,"channel":0,"num_words":13,"start":23.075,"end":25.954998},{"sentences":[{"text":"Yeah.","start":25.91,"end":26.15,"sentiment":"neutral","sentiment_score":0.2461947798728943}],"sentiment":"neutral","sentiment_score":0.2461947798728943,"channel":1,"num_words":1,"start":25.91,"end":26.15},{"sentences":[{"text":"forward","start":25.954998,"end":26.355,"sentiment":"neutral","sentiment_score":0.2946314513683319}],"sentiment":"neutral","sentiment_score":0.2946314513683319,"channel":0,"num_words":1,"start":25.954998,"end":26.355},{"sentences":[{"text":"I'm","start":26.15,"end":26.39,"sentiment":"positive","sentiment_score":0.3623800277709961}],"sentiment":"positive","sentiment_score":0.3623800277709961,"channel":1,"num_words":1,"start":26.15,"end":26.39},{"sentences":[{"text":"to","start":26.355,"end":26.435,"sentiment":"positive","sentiment_score":0.46085870265960693}],"sentiment":"positive","sentiment_score":0.46085870265960693,"channel":0,"num_words":1,"start":26.355,"end":26.435},{"sentences":[{"text":"just","start":26.39,"end":26.55,"sentiment":"positive","sentiment_score":0.3763177990913391}],"sentiment":"positive","sentiment_score":0.3763177990913391,"channel":1,"num_words":1,"start":26.39,"end":26.55},{"sentences":[{"text":"that","start":26.435,"end":26.675,"sentiment":"positive","sentiment_score":0.4478318989276886}],"sentiment":"positive","sentiment_score":0.4478318989276886,"channel":0,"num_words":1,"start":26.435,"end":26.675},{"sentences":[{"text":"working,","start":26.55,"end":26.949999,"sentiment":"positive","sentiment_score":0.4112567901611328}],"sentiment":"positive","sentiment_score":0.4112567901611328,"channel":1,"num_words":1,"start":26.55,"end":26.949999},{"sentences":[{"text":"chat,","start":26.675,"end":27.09,"sentiment":"positive","sentiment_score":0.43110838532447815}],"sentiment":"positive","sentiment_score":0.43110838532447815,"channel":0,"num_words":1,"start":26.675,"end":27.09},{"sentences":[{"text":"ma'am.","start":26.949999,"end":27.449999,"sentiment":"positive","sentiment_score":0.47109007835388184}],"sentiment":"positive","sentiment_score":0.47109007835388184,"channel":1,"num_words":1,"start":26.949999,"end":27.449999},{"sentences":[{"text":"and it's all good and ready to go, mate.","start":27.41,"end":30.07,"sentiment":"positive","sentiment_score":0.5552549295955234},{"text":"Have you got a bit of time for me?","start":30.29,"end":32.07,"sentiment":"neutral","sentiment_score":0.07622299177779092}],"sentiment":"neutral","sentiment_score":0.3157389606866572,"channel":0,"num_words":18,"start":27.41,"end":32.07},{"sentences":[{"text":"Yes.","start":32.309998,"end":32.79,"sentiment":"neutral","sentiment_score":0.07500790059566498},{"text":"Yes.","start":32.79,"end":33.11,"sentiment":"neutral","sentiment_score":0.08011194318532944},{"text":"Yes.","start":33.11,"end":33.51,"sentiment":"neutral","sentiment_score":0.10158893465995789},{"text":"I already had put us a name in the calendar, so I was expecting your call.","start":33.51,"end":39.35,"sentiment":"neutral","sentiment_score":0.14517941186204553},{"text":"Go for it.","start":39.35,"end":39.885,"sentiment":"neutral","sentiment_score":0.2602619230747223}],"sentiment":"neutral","sentiment_score":0.15274386988444763,"channel":1,"num_words":22,"start":32.309998,"end":39.885},{"sentences":[{"text":"Perfect.","start":40.675,"end":40.995,"sentiment":"positive","sentiment_score":0.38986408710479736},{"text":"I'll shoot through this email to you now just so we can look onto the documents.","start":40.995,"end":44.774998,"sentiment":"neutral","sentiment_score":0.22285288199782372}],"sentiment":"neutral","sentiment_score":0.23267707053352804,"channel":0,"num_words":17,"start":40.675,"end":44.774998},{"sentences":[{"text":"Oh,","start":45.245,"end":45.745,"sentiment":"neutral","sentiment_score":0.05979811772704125}],"sentiment":"neutral","sentiment_score":0.05979811772704125,"channel":1,"num_words":1,"start":45.245,"end":45.745},{"sentences":[{"text":"While that's coming through, I'll just quickly check security with you.","start":45.475,"end":49.895,"sentiment":"neutral","sentiment_score":0.04363312216644937},{"text":"Kitsch, are you okay for the call to be recorded?","start":49.954998,"end":51.975,"sentiment":"neutral","sentiment_score":0.023690428026020525}],"sentiment":"neutral","sentiment_score":0.03413660114719754,"channel":0,"num_words":21,"start":45.475,"end":51.975},{"sentences":[{"text":"Yep.","start":53.8,"end":54.12,"sentiment":"neutral","sentiment_score":0.025785690173506737},{"text":"Okay.","start":54.12,"end":54.6,"sentiment":"neutral","sentiment_score":0.03430766239762306},{"text":"Yep.","start":54.6,"end":55.1,"sentiment":"neutral","sentiment_score":0.037162210792303085}],"sentiment":"neutral","sentiment_score":0.032418521121144295,"channel":1,"num_words":3,"start":53.8,"end":55.1},{"sentences":[{"text":"And just for the security of your information, so I'm registered with Asik as adviser 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here.","start":677.05,"end":678.27,"sentiment":"neutral","sentiment_score":0.14936599582433702}],"sentiment":"neutral","sentiment_score":0.13981417442361513,"channel":1,"num_words":6,"start":676.81,"end":678.27},{"sentences":[{"text":"Perfect.","start":678.53,"end":679.03,"sentiment":"neutral","sentiment_score":0.0637756809592247},{"text":"So the difference column on the right hand side,","start":679.09,"end":681.695,"sentiment":"neutral","sentiment_score":0.040888052019808024}],"sentiment":"neutral","sentiment_score":0.043176814913749695,"channel":0,"num_words":10,"start":678.53,"end":681.695},{"sentences":[{"text":"Yep.","start":682.25,"end":682.665,"sentiment":"neutral","sentiment_score":0.11027662456035614}],"sentiment":"neutral","sentiment_score":0.11027662456035614,"channel":1,"num_words":1,"start":682.25,"end":682.665},{"sentences":[{"text":"we have factored in here a number of things.","start":683.195,"end":685.755,"sentiment":"neutral","sentiment_score":0.07412946555349562},{"text":"So the $2.25 is like your capital gains tax at the top.","start":685.755,"end":689.135,"sentiment":"neutral","sentiment_score":0.08579846347371738},{"text":"The investment fees, the $3.63 savings, that's two rows down.","start":689.835,"end":695.38,"sentiment":"neutral","sentiment_score":0.14780474379658698}],"sentiment":"neutral","sentiment_score":0.10241271579457868,"channel":0,"num_words":31,"start":683.195,"end":695.38},{"sentences":[{"text":"Yep.","start":695.065,"end":695.565,"sentiment":"neutral","sentiment_score":0.2480538785457611}],"sentiment":"neutral","sentiment_score":0.2480538785457611,"channel":1,"num_words":1,"start":695.065,"end":695.565},{"sentences":[{"text":"It'll say that the advice fees increased by $81, but that factors in the growth for that year, the improved growth, the contributions, and everything like 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personal experience, when I have touched something, it is not turned to gold.","start":1500.135,"end":1506.03,"sentiment":"neutral","sentiment_score":-0.23324272146931402},{"text":"It is turned to stone.","start":1506.03,"end":1507.3301,"sentiment":"negative","sentiment_score":-0.3407264530658722}],"sentiment":"neutral","sentiment_score":-0.2276680607880865,"channel":1,"num_words":35,"start":1498.5349,"end":1507.3301},{"sentences":[{"text":"That I know where I can fail.","start":1510.1101,"end":1512.93,"sentiment":"negative","sentiment_score":-0.435767263174057},{"text":"So that's why the question yeah.","start":1512.99,"end":1517.53,"sentiment":"neutral","sentiment_score":-0.21566268801689148},{"text":"Let's not invest at the top because the next thing it it is going to do is go down.","start":1517.87,"end":1522.035,"sentiment":"negative","sentiment_score":-0.42493122188668503},{"text":"So yeah.","start":1522.035,"end":1522.855,"sentiment":"neutral","sentiment_score":-0.0710977166891098}],"sentiment":"negative","sentiment_score":-0.3694186946924995,"channel":1,"num_words":34,"start":1510.1101,"end":1522.855},{"sentences":[{"text":"Yep.","start":1522.64,"end":1523.14,"sentiment":"neutral","sentiment_score":-0.06052292510867119},{"text":"No.","start":1524.3201,"end":1524.795,"sentiment":"neutral","sentiment_score":-0.3130442202091217},{"text":"At least, you know, how we talked about the volatility last 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end of that, we'll still get a good average because we've got some diversification there.","start":1532.155,"end":1536.81,"sentiment":"positive","sentiment_score":0.4548709373921156},{"text":"Normally, I run around about six to eight options in a portfolio.","start":1537.2101,"end":1540.91,"sentiment":"neutral","sentiment_score":0.23883611087997755},{"text":"I'm adding a couple of extra ones on for you just to get a little bit more 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satellite.","start":1548.0901,"end":1558.975,"sentiment":"neutral","sentiment_score":-0.11579901580181387},{"text":"Big impact.","start":1559.755,"end":1560.415,"sentiment":"neutral","sentiment_score":-0.16714981198310852},{"text":"Just trying to minimize the impact a 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getting more manufacturing outside of China.","start":1565.52,"end":1571.9401,"sentiment":"neutral","sentiment_score":0.009864741691241139}],"sentiment":"neutral","sentiment_score":0.009864741691241139,"channel":1,"num_words":19,"start":1565.52,"end":1571.9401},{"sentences":[{"text":"bit.","start":1571.8099,"end":1572.3099,"sentiment":"neutral","sentiment_score":-0.0860503762960434}],"sentiment":"neutral","sentiment_score":-0.0860503762960434,"channel":0,"num_words":1,"start":1571.8099,"end":1572.3099},{"sentences":[{"text":"That is not going to happen for the next ten, twenty years, isn't it?","start":1573.465,"end":1576.605,"sentiment":"neutral","sentiment_score":-0.28010899999311994},{"text":"With China making and selling electric cars and everything else, do we really think that the whole world is going to really experience a boom or something or pick up sometime 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just hinging on once China does this, then it'll go up.","start":1602.015,"end":1607.0549,"sentiment":"neutral","sentiment_score":0.0420630697749163},{"text":"It'll be hinging on a lot of different countries growing as well.","start":1607.0549,"end":1610.9149,"sentiment":"neutral","sentiment_score":0.10318656327823798}],"sentiment":"neutral","sentiment_score":0.06572377693749243,"channel":0,"num_words":31,"start":1602.015,"end":1610.9149},{"sentences":[{"text":"Oh, okay.","start":1611.075,"end":1612.115,"sentiment":"neutral","sentiment_score":0.07435222715139389},{"text":"And what countries I mean, just for information's sake.","start":1612.115,"end":1616.07,"sentiment":"neutral","sentiment_score":0.060343049466609955}],"sentiment":"neutral","sentiment_score":0.06289017268202522,"channel":1,"num_words":11,"start":1611.075,"end":1616.07},{"sentences":[{"text":"So it also what it does is not just the countries 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AI.","start":1646.95,"end":1648.71,"sentiment":"neutral","sentiment_score":-0.08160098748547691},{"text":"Right?","start":1648.71,"end":1649.21,"sentiment":"neutral","sentiment_score":-0.06357523053884506}],"sentiment":"neutral","sentiment_score":-0.07934776786714792,"channel":1,"num_words":8,"start":1646.95,"end":1649.21},{"sentences":[{"text":"No.","start":1649.86,"end":1650.1,"sentiment":"neutral","sentiment_score":-0.231454536318779},{"text":"I haven't included any Nasdaq stocks for you or anything like that, anything tech heavy.","start":1650.1,"end":1655.4,"sentiment":"neutral","sentiment_score":-0.17487157235542933},{"text":"It's if they become large companies within the index that you'll link to, you'll get exposure that way, but nothing directly linking into the hyperscalers or anything directly tech focused yet.","start":1655.895,"end":1671.39,"sentiment":"neutral","sentiment_score":0.00936867416866364}],"sentiment":"neutral","sentiment_score":-0.054555302604715875,"channel":0,"num_words":47,"start":1649.86,"end":1671.39},{"sentences":[{"text":"Because yeah.","start":1672.1051,"end":1672.985,"sentiment":"neutral","sentiment_score":-0.0008230293169617662},{"text":"Okay.","start":1672.985,"end":1673.43,"sentiment":"neutral","sentiment_score":0.021359028294682503},{"text":"Because I I have a feeling that they it's typical just like the Internet, just like anything else.","start":1673.67,"end":1680.0901,"sentiment":"neutral","sentiment_score":-0.10072930364145173},{"text":"The AI is a bubble and it'll burst.","start":1680.31,"end":1682.31,"sentiment":"neutral","sentiment_score":-0.247850826010108},{"text":"I'm not saying it's fake, but it'll take some time before it really gets picked up to or used or applied to its full 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I tend to agree with that too.","start":1694.4451,"end":1696.765,"sentiment":"neutral","sentiment_score":0.10749008134007454},{"text":"And and what I'm seeing when I talk fund managers and the investment committee is that when the hype blows something up that quickly, you tend to see a pretty large pullback.","start":1696.765,"end":1707.8,"sentiment":"neutral","sentiment_score":-0.23568171705119312},{"text":"Even if it's fantastic in ten, twenty, thirty years' time, it'll just be sharp up, sharp declines.","start":1708.02,"end":1713.9601,"sentiment":"neutral","sentiment_score":-0.3295138285440557},{"text":"The closest thing that you've got to this is your cybersecurity side of things, which is obviously an area to improve when it comes to tech tech and 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the tech stocks, and they're 35 and they wanna they reckon it's gonna go up 10 times, 10,000 times.","start":1743.615,"end":1750.975,"sentiment":"neutral","sentiment_score":0.08885095606987867},{"text":"That's great.","start":1750.975,"end":1751.795,"sentiment":"neutral","sentiment_score":0.29784226417541504},{"text":"That would not be responsible if I put your super","start":1752.3351,"end":1754.76,"sentiment":"neutral","sentiment_score":-0.08755619563162327}],"sentiment":"neutral","sentiment_score":0.05342756394345902,"channel":0,"num_words":38,"start":1743.615,"end":1754.76},{"sentences":[{"text":"Yeah.","start":1756.745,"end":1757.0651,"sentiment":"neutral","sentiment_score":0.048187948763370514},{"text":"Exactly.","start":1757.0651,"end":1757.5651,"sentiment":"neutral","sentiment_score":0.11958907544612885},{"text":"That makes 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cash table because we need to maintain the 1.25% within the hub, and then you've got your pie chart for your asset allocation.","start":1768.4249,"end":1779.725,"sentiment":"neutral","sentiment_score":0.11670926545520087}],"sentiment":"neutral","sentiment_score":0.11670926545520087,"channel":0,"num_words":37,"start":1768.4249,"end":1779.725},{"sentences":[{"text":"The cash table is target rate is 1.25.","start":1782.5449,"end":1788.1,"sentiment":"neutral","sentiment_score":0.07871527876704931},{"text":"Okay.","start":1788.1,"end":1788.6,"sentiment":"neutral","sentiment_score":0.08641156554222107},{"text":"Okay.","start":1789.38,"end":1789.86,"sentiment":"neutral","sentiment_score":0.08935467898845673},{"text":"Yep.","start":1789.86,"end":1790.36,"sentiment":"neutral","sentiment_score":0.1076459288597107},{"text":"So reducing the cash component 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the","start":1794.34,"end":1794.66,"sentiment":"neutral","sentiment_score":0.034884799271821976}],"sentiment":"neutral","sentiment_score":0.034884799271821976,"channel":1,"num_words":2,"start":1794.34,"end":1794.66},{"sentences":[{"text":"That's","start":1794.6,"end":1795.095,"sentiment":"neutral","sentiment_score":0.04607480764389038}],"sentiment":"neutral","sentiment_score":0.04607480764389038,"channel":0,"num_words":1,"start":1794.6,"end":1795.095},{"sentences":[{"text":"yeah.","start":1795.54,"end":1796.04,"sentiment":"neutral","sentiment_score":0.0001564453268656507}],"sentiment":"neutral","sentiment_score":0.0001564453268656507,"channel":1,"num_words":1,"start":1795.54,"end":1796.04},{"sentences":[{"text":"fluctuates with all the transactions, contributions, buys and sells.","start":1795.975,"end":1800.475,"sentiment":"neutral","sentiment_score":0.008439319984366497},{"text":"So target weight is 1.25.","start":1800.775,"end":1802.615,"sentiment":"neutral","sentiment_score":0.011527014523744583},{"text":"When I rebalance it, it'll rebalance it, but it also automatically does it.","start":1802.615,"end":1806.855,"sentiment":"neutral","sentiment_score":0.14791476382659033},{"text":"So you will tend to get emails saying cash balance is low, investments that get sold down, contributions go in, and it tops itself back up.","start":1806.855,"end":1816.34,"sentiment":"neutral","sentiment_score":0.1895166068122937},{"text":"But this is basically where your cash balance was sitting when we did the research versus","start":1816.34,"end":1821.14,"sentiment":"neutral","sentiment_score":-0.011682362761348486}],"sentiment":"neutral","sentiment_score":0.09850717181393849,"channel":0,"num_words":69,"start":1795.975,"end":1821.14},{"sentences":[{"text":"Mhmm.","start":1821.05,"end":1821.55,"sentiment":"neutral","sentiment_score":-0.055289193987846375}],"sentiment":"neutral","sentiment_score":-0.055289193987846375,"channel":1,"num_words":1,"start":1821.05,"end":1821.55},{"sentences":[{"text":"the long term average that we need to maintain.","start":1821.14,"end":1823.055,"sentiment":"neutral","sentiment_score":-0.027280867099761963}],"sentiment":"neutral","sentiment_score":-0.027280867099761963,"channel":0,"num_words":9,"start":1821.14,"end":1823.055},{"sentences":[{"text":"Yeah.","start":1824.0901,"end":1824.41,"sentiment":"neutral","sentiment_score":0.09579205513000488},{"text":"Yep.","start":1824.41,"end":1824.73,"sentiment":"neutral","sentiment_score":0.10410606116056442},{"text":"Yep.","start":1824.73,"end":1825.2101,"sentiment":"neutral","sentiment_score":0.11960607022047044},{"text":"Okay.","start":1825.2101,"end":1825.7101,"sentiment":"neutral","sentiment_score":0.11937934905290604},{"text":"Alright.","start":1826.6849,"end":1827.1849,"sentiment":"neutral","sentiment_score":0.0973225086927414}],"sentiment":"neutral","sentiment_score":0.10724120885133744,"channel":1,"num_words":5,"start":1824.0901,"end":1827.1849},{"sentences":[{"text":"K.","start":1828.3351,"end":1828.7351,"sentiment":"neutral","sentiment_score":0.04291889816522598},{"text":"For that next table, the easiest way to see underneath that pie chart is it gives you the percentages of your risk profile just as an as an estimate.","start":1828.7351,"end":1838.275,"sentiment":"neutral","sentiment_score":0.039052264315300976}],"sentiment":"neutral","sentiment_score":0.039181152110298476,"channel":0,"num_words":30,"start":1828.3351,"end":1838.275},{"sentences":[{"text":"Mhmm.","start":1838.205,"end":1838.705,"sentiment":"neutral","sentiment_score":0.022252902388572693}],"sentiment":"neutral","sentiment_score":0.022252902388572693,"channel":1,"num_words":1,"start":1838.205,"end":1838.705},{"sentences":[{"text":"It gives","start":1838.89,"end":1839.21,"sentiment":"neutral","sentiment_score":0.04197400249540806}],"sentiment":"neutral","sentiment_score":0.04197400249540806,"channel":0,"num_words":2,"start":1838.89,"end":1839.21},{"sentences":[{"text":"Mhmm.","start":1839.085,"end":1839.585,"sentiment":"neutral","sentiment_score":0.02823037281632423}],"sentiment":"neutral","sentiment_score":0.02823037281632423,"channel":1,"num_words":1,"start":1839.085,"end":1839.585},{"sentences":[{"text":"you where it's sitting at and what we've proposed.","start":1839.21,"end":1841.87,"sentiment":"neutral","sentiment_score":0.03840271010994911},{"text":"The main thing to point out here is obviously a little bit of a reduction in the Australian equities from that 26, 27 to just under 20%.","start":1844.49,"end":1852.735,"sentiment":"neutral","sentiment_score":-0.006119563347763485},{"text":"International","start":1853.2749,"end":1853.7749,"sentiment":"neutral","sentiment_score":0.04897145926952362}],"sentiment":"neutral","sentiment_score":0.006199125401877068,"channel":0,"num_words":37,"start":1839.21,"end":1853.7749},{"sentences":[{"text":"Yep.","start":1853.42,"end":1853.92,"sentiment":"neutral","sentiment_score":0.0598735511302948}],"sentiment":"neutral","sentiment_score":0.0598735511302948,"channel":1,"num_words":1,"start":1853.42,"end":1853.92},{"sentences":[{"text":"is increasing a little bit.","start":1853.9149,"end":1855.0349,"sentiment":"neutral","sentiment_score":0.03247048929333687},{"text":"Alternatives are increasing a little bit.","start":1855.0349,"end":1857.0549,"sentiment":"neutral","sentiment_score":0.01953913706044356},{"text":"We're slightly increasing your growth allocation from about 81 to 85 is where this portfolio sits.","start":1857.355,"end":1864.26,"sentiment":"neutral","sentiment_score":0.11644569784402847}],"sentiment":"neutral","sentiment_score":0.07935994201236302,"channel":0,"num_words":27,"start":1853.9149,"end":1864.26},{"sentences":[{"text":"Okay.","start":1866.545,"end":1867.045,"sentiment":"neutral","sentiment_score":0.051504842936992645},{"text":"International liquid is 55.","start":1867.345,"end":1869.53,"sentiment":"neutral","sentiment_score":0.029762462247163057},{"text":"Okay.","start":1871.1901,"end":1871.3501,"sentiment":"neutral","sentiment_score":0.0477675199508667},{"text":"Okay.","start":1871.3501,"end":1871.8501,"sentiment":"neutral","sentiment_score":0.0618276372551918},{"text":"Yep.","start":1871.91,"end":1872.41,"sentiment":"neutral","sentiment_score":0.06753543019294739}],"sentiment":"neutral","sentiment_score":0.043460659915581346,"channel":1,"num_words":8,"start":1866.545,"end":1872.41},{"sentences":[{"text":"Yeah.","start":1872.87,"end":1873.37,"sentiment":"neutral","sentiment_score":0.06137518957257271}],"sentiment":"neutral","sentiment_score":0.06137518957257271,"channel":1,"num_words":1,"start":1872.87,"end":1873.37},{"sentences":[{"text":"Again,","start":1873.7,"end":1874.2,"sentiment":"neutral","sentiment_score":0.0527978390455246}],"sentiment":"neutral","sentiment_score":0.0527978390455246,"channel":0,"num_words":1,"start":1873.7,"end":1874.2},{"sentences":[{"text":"Property","start":1873.91,"end":1874.41,"sentiment":"neutral","sentiment_score":0.04190958663821221}],"sentiment":"neutral","sentiment_score":0.04190958663821221,"channel":1,"num_words":1,"start":1873.91,"end":1874.41},{"sentences":[{"text":"80","start":1874.42,"end":1874.66,"sentiment":"neutral","sentiment_score":0.029314344748854637}],"sentiment":"neutral","sentiment_score":0.029314344748854637,"channel":0,"num_words":1,"start":1874.42,"end":1874.66},{"sentences":[{"text":"zero.","start":1874.4701,"end":1874.9501,"sentiment":"neutral","sentiment_score":0.04048686474561691}],"sentiment":"neutral","sentiment_score":0.04048686474561691,"channel":1,"num_words":1,"start":1874.4701,"end":1874.9501},{"sentences":[{"text":"to 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called?","start":2003.825,"end":2004.965,"sentiment":"neutral","sentiment_score":0.05591355934739113}],"sentiment":"neutral","sentiment_score":0.05496486043557525,"channel":1,"num_words":8,"start":2003.025,"end":2004.965},{"sentences":[{"text":"No.","start":2004.6,"end":2004.84,"sentiment":"neutral","sentiment_score":-0.20209942758083344},{"text":"So 90 to a 100 would be high growth.","start":2004.84,"end":2007.08,"sentiment":"neutral","sentiment_score":0.013144616451528337},{"text":"I advise staying within the 80 to 90.","start":2007.08,"end":2009.34,"sentiment":"neutral","sentiment_score":0.08288549911230803}],"sentiment":"neutral","sentiment_score":0.03218256185452143,"channel":0,"num_words":18,"start":2004.6,"end":2009.34},{"sentences":[{"text":"Okay.","start":2009.905,"end":2010.145,"sentiment":"neutral","sentiment_score":0.10023054480552672},{"text":"So you still advise staying between the 80 to 90 and there's no reason for us to look at any more defensive or debt based 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quicker.","start":2037.715,"end":2046.855,"sentiment":"neutral","sentiment_score":0.21293879052003226},{"text":"And if","start":2047.075,"end":2047.475,"sentiment":"neutral","sentiment_score":0.12911176308989525}],"sentiment":"neutral","sentiment_score":0.07683361596427858,"channel":0,"num_words":80,"start":2020.935,"end":2047.475},{"sentences":[{"text":"Yep.","start":2047.35,"end":2047.85,"sentiment":"neutral","sentiment_score":0.09615963697433472}],"sentiment":"neutral","sentiment_score":0.09615963697433472,"channel":1,"num_words":1,"start":2047.35,"end":2047.85},{"sentences":[{"text":"we're above benchmark, we'll reduce it.","start":2047.475,"end":2049.7349,"sentiment":"neutral","sentiment_score":0.020867936313152313},{"text":"If we're below benchmark, we'll wait for it to catch back up and just make sure that once you get to the late fifties that you're not still sitting in a, you know, primarily growth focused portfolio.","start":2049.795,"end":2060.69,"sentiment":"neutral","sentiment_score":-0.028365467448492308},{"text":"You wanna be sitting slightly lower every two to three years.","start":2060.99,"end":2064.735,"sentiment":"neutral","sentiment_score":-0.0424521341919899},{"text":"But it'll basically have to be a twelve month conversation to see whether we should adjust the level of risk.","start":2064.895,"end":2071.475,"sentiment":"neutral","sentiment_score":-0.16986843571066856}],"sentiment":"neutral","sentiment_score":-0.06471157929784543,"channel":0,"num_words":74,"start":2047.475,"end":2071.475},{"sentences":[{"text":"Alright.","start":2072.78,"end":2073.28,"sentiment":"neutral","sentiment_score":0.08513855934143066},{"text":"Okay.","start":2075.8198,"end":2076.3198,"sentiment":"neutral","sentiment_score":0.11036212742328644},{"text":"Okay.","start":2076.38,"end":2076.8599,"sentiment":"neutral","sentiment_score":0.1325998604297638},{"text":"Alright.","start":2076.8599,"end":2077.3599,"sentiment":"neutral","sentiment_score":0.21225887537002563},{"text":"Give it as it right now.","start":2078.7,"end":2080.4,"sentiment":"neutral","sentiment_score":0.22454704095919928}],"sentiment":"neutral","sentiment_score":0.18876416683197023,"channel":1,"num_words":10,"start":2072.78,"end":2080.4},{"sentences":[{"text":"Just bear in mind for one last hurrah, and this will be the biggest risk that you face, is if we were to experience this full stock market crash and economic depression this year or next year, we would almost kind of welcome it for you to happen soon so that you could use it as a buying opportunity with all of your contributions to salary sacrifice and buy as much as you can so that if we get a good five, six year run-in the markets, then you've got your retirement goal ticked, and we can pull you","start":2080.18,"end":2110.04,"sentiment":"neutral","sentiment_score":0.08756125842531522}],"sentiment":"neutral","sentiment_score":0.08756125842531522,"channel":0,"num_words":99,"start":2080.18,"end":2110.04},{"sentences":[{"text":"Oh, yeah.","start":2112.125,"end":2112.685,"sentiment":"neutral","sentiment_score":0.018857554532587528},{"text":"That 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jobs.","start":2116.685,"end":2126.23,"sentiment":"negative","sentiment_score":-0.4366897508502007}],"sentiment":"neutral","sentiment_score":-0.3196495502735629,"channel":1,"num_words":33,"start":2113.165,"end":2126.23},{"sentences":[{"text":"Yeah.","start":2126.595,"end":2127.095,"sentiment":"neutral","sentiment_score":-0.14839449524879456},{"text":"It's like if there's another GFC, it was the greatest buying opportunity, especially for those who maintained an income or capital.","start":2127.395,"end":2134.75,"sentiment":"neutral","sentiment_score":-0.012918191296713693},{"text":"Very, very difficult for a lot of people at that time.","start":2135.3699,"end":2137.69,"sentiment":"negative","sentiment_score":-0.4956691129641099},{"text":"I know my parents had to sell homes and things like that.","start":2137.69,"end":2140.51,"sentiment":"neutral","sentiment_score":-0.3247613621254762},{"text":"If there's anything worse than a GFC, Mad Max, World War three nuclear bombs, then the super is gone, and we won't even be able to connect on the phone.","start":2141.69,"end":2149.9348,"sentiment":"negative","sentiment_score":-0.4270751525958379}],"sentiment":"neutral","sentiment_score":-0.3010857023795446,"channel":0,"num_words":75,"start":2126.595,"end":2149.9348},{"sentences":[{"text":"So that's probably a risk too far that we can even factor in.","start":2149.9348,"end":2154.1948,"sentiment":"negative","sentiment_score":-0.47468758546389067},{"text":"But, again, market drops are good buying opportunities if we can get them.","start":2154.255,"end":2159.555,"sentiment":"neutral","sentiment_score":0.07020116568757938},{"text":"My issue for you, Kij, is I don't want it to happen in four years' 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years.","start":2166.8,"end":2181.5251,"sentiment":"negative","sentiment_score":-0.35392665919267907}],"sentiment":"negative","sentiment_score":-0.3583717944680667,"channel":0,"num_words":61,"start":2164.0,"end":2181.5251},{"sentences":[{"text":"Yeah.","start":2182.46,"end":2182.78,"sentiment":"neutral","sentiment_score":-0.01929660327732563},{"text":"Exactly.","start":2182.78,"end":2183.28,"sentiment":"neutral","sentiment_score":0.04735063016414642},{"text":"Exactly.","start":2184.22,"end":2184.72,"sentiment":"neutral","sentiment_score":0.10642965883016586}],"sentiment":"neutral","sentiment_score":0.04482789523899555,"channel":1,"num_words":3,"start":2182.46,"end":2184.72},{"sentences":[{"text":"Yeah.","start":2185.665,"end":2186.165,"sentiment":"neutral","sentiment_score":0.19231289625167847},{"text":"So it's a pretty it's a serious decade for yourself.","start":2186.945,"end":2190.0852,"sentiment":"neutral","sentiment_score":0.3031302124261856},{"text":"I I have a lot of fun with my job in building portfolios and discussions with clients.","start":2190.225,"end":2195.2898,"sentiment":"positive","sentiment_score":0.42603488529429717},{"text":"But at the end of the day, I do take it very seriously that what happens in the next five to ten years is gonna translate to your quality of life.","start":2195.2898,"end":2203.23,"sentiment":"positive","sentiment_score":0.3354970524387975},{"text":"And as long as we can have those discussions throughout the year, we will keep on top of it.","start":2203.53,"end":2208.645,"sentiment":"positive","sentiment_score":0.4076388195941323}],"sentiment":"positive","sentiment_score":0.3668173624154849,"channel":0,"num_words":78,"start":2185.665,"end":2208.645},{"sentences":[{"text":"And whenever something changes in the world, we'll discuss what can be done, what the options are.","start":2208.885,"end":2213.705,"sentiment":"neutral","sentiment_score":0.27536631287897334}],"sentiment":"neutral","sentiment_score":0.27536631287897334,"channel":0,"num_words":17,"start":2208.885,"end":2213.705},{"sentences":[{"text":"Yep.","start":2214.295,"end":2214.615,"sentiment":"neutral","sentiment_score":0.17650321125984192},{"text":"Yep.","start":2214.615,"end":2215.115,"sentiment":"neutral","sentiment_score":0.13526414334774017}],"sentiment":"neutral","sentiment_score":0.15588367730379105,"channel":1,"num_words":2,"start":2214.295,"end":2215.115},{"sentences":[{"text":"K.","start":2216.965,"end":2217.465,"sentiment":"neutral","sentiment_score":0.08712959289550781}],"sentiment":"neutral","sentiment_score":0.08712959289550781,"channel":0,"num_words":1,"start":2216.965,"end":2217.465},{"sentences":[{"text":"Yeah.","start":2218.055,"end":2218.555,"sentiment":"neutral","sentiment_score":0.1318545788526535}],"sentiment":"neutral","sentiment_score":0.1318545788526535,"channel":1,"num_words":1,"start":2218.055,"end":2218.555},{"sentences":[{"text":"That pretty much ends the portfolio side of things.","start":2218.245,"end":2221.865,"sentiment":"neutral","sentiment_score":0.17374502619107565},{"text":"There was just one last table for the contribution taxes if you wanted to have a look at that before we switched.","start":2222.13,"end":2227.75,"sentiment":"neutral","sentiment_score":0.044859240339560943}],"sentiment":"neutral","sentiment_score":0.0822776942964523,"channel":0,"num_words":31,"start":2218.245,"end":2227.75},{"sentences":[{"text":"Yep.","start":2228.22,"end":2228.72,"sentiment":"neutral","sentiment_score":0.09494315087795258},{"text":"Let's go forward.","start":2229.5,"end":2230.56,"sentiment":"neutral","sentiment_score":0.1280638426542282}],"sentiment":"neutral","sentiment_score":0.1197836697101593,"channel":1,"num_words":4,"start":2228.22,"end":2230.56},{"sentences":[{"text":"If you go two more pages, again, apologies for the amount of text on that contribution strategy,","start":2231.01,"end":2236.23,"sentiment":"neutral","sentiment_score":0.008511247277698097}],"sentiment":"neutral","sentiment_score":0.008511247277698097,"channel":0,"num_words":17,"start":2231.01,"end":2236.23},{"sentences":[{"text":"Yeah.","start":2236.06,"end":2236.56,"sentiment":"neutral","sentiment_score":0.0794416218996048}],"sentiment":"neutral","sentiment_score":0.0794416218996048,"channel":1,"num_words":1,"start":2236.06,"end":2236.56},{"sentences":[{"text":"Just talking about amounts and everything to contribute.","start":2236.4949,"end":2238.755,"sentiment":"neutral","sentiment_score":0.18283272627741098}],"sentiment":"neutral","sentiment_score":0.18283272627741098,"channel":0,"num_words":8,"start":2236.4949,"end":2238.755},{"sentences":[{"text":"That makes a lot of sense.","start":2239.74,"end":2241.1199,"sentiment":"positive","sentiment_score":0.38927188018957776},{"text":"I'll I'll go through it more with more focus after the call.","start":2241.34,"end":2246.815,"sentiment":"neutral","sentiment_score":0.20925003290176392},{"text":"But, yeah,","start":2247.195,"end":2247.595,"sentiment":"neutral","sentiment_score":0.1616494357585907}],"sentiment":"neutral","sentiment_score":0.25849652737379075,"channel":1,"num_words":20,"start":2239.74,"end":2247.595},{"sentences":[{"text":"Yep.","start":2247.375,"end":2247.875,"sentiment":"neutral","sentiment_score":0.26118457317352295}],"sentiment":"neutral","sentiment_score":0.26118457317352295,"channel":0,"num_words":1,"start":2247.375,"end":2247.875},{"sentences":[{"text":"the table does give me the 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far?","start":2253.11,"end":2254.49,"sentiment":"neutral","sentiment_score":0.05389389581978321}],"sentiment":"neutral","sentiment_score":0.05389389581978321,"channel":0,"num_words":4,"start":2253.11,"end":2254.49},{"sentences":[{"text":"Nope.","start":2255.07,"end":2255.57,"sentiment":"neutral","sentiment_score":-0.026276972144842148},{"text":"Yeah.","start":2256.6702,"end":2256.99,"sentiment":"neutral","sentiment_score":0.08702988922595978},{"text":"The table is quite clear.","start":2256.99,"end":2258.4502,"sentiment":"neutral","sentiment_score":0.128851081430912},{"text":"Yep.","start":2262.03,"end":2262.53,"sentiment":"neutral","sentiment_score":0.09860645234584808},{"text":"Okay.","start":2262.6702,"end":2263.1702,"sentiment":"neutral","sentiment_score":0.02711622603237629}],"sentiment":"neutral","sentiment_score":0.092303444734878,"channel":1,"num_words":9,"start":2255.07,"end":2263.1702},{"sentences":[{"text":"Service sacrifice for 13,000 tax saved is around 6,000 or less.","start":2263.87,"end":2270.475,"sentiment":"neutral","sentiment_score":-0.015395806255665693},{"text":"And the net income goes down by 8,000.","start":2273.575,"end":2276.315,"sentiment":"neutral","sentiment_score":-0.06828724592924118},{"text":"Yep.","start":2277.415,"end":2277.915,"sentiment":"neutral","sentiment_score":0.04453346133232117}],"sentiment":"neutral","sentiment_score":-0.03355591874569654,"channel":1,"num_words":20,"start":2263.87,"end":2277.915},{"sentences":[{"text":"So","start":2278.63,"end":2279.13,"sentiment":"neutral","sentiment_score":0.04201667010784149}],"sentiment":"neutral","sentiment_score":0.04201667010784149,"channel":0,"num_words":1,"start":2278.63,"end":2279.13},{"sentences":[{"text":"Yep.","start":2279.655,"end":2279.975,"sentiment":"neutral","sentiment_score":0.08009135723114014}],"sentiment":"neutral","sentiment_score":0.08009135723114014,"channel":1,"num_words":1,"start":2279.655,"end":2279.975},{"sentences":[{"text":"for","start":2279.83,"end":2280.15,"sentiment":"neutral","sentiment_score":0.06438577175140381}],"sentiment":"neutral","sentiment_score":0.06438577175140381,"channel":0,"num_words":1,"start":2279.83,"end":2280.15},{"sentences":[{"text":"Go 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pay.","start":2280.39,"end":2285.6099,"sentiment":"neutral","sentiment_score":-0.08201207593083382}],"sentiment":"neutral","sentiment_score":-0.08201207593083382,"channel":0,"num_words":14,"start":2280.39,"end":2285.6099},{"sentences":[{"text":"On the tax, you mean?","start":2288.38,"end":2289.68,"sentiment":"neutral","sentiment_score":-0.07720509171485901}],"sentiment":"neutral","sentiment_score":-0.07720509171485901,"channel":1,"num_words":5,"start":2288.38,"end":2289.68},{"sentences":[{"text":"In terms of the lost income.","start":2290.8699,"end":2292.875,"sentiment":"neutral","sentiment_score":-0.06081348657608032},{"text":"So if you put $5.38 before tax, your take home pay will be reduced by about a 164 once all the tax has been included, and then that money goes into super, and then 15% gets taken out of it.","start":2293.015,"end":2307.43,"sentiment":"neutral","sentiment_score":-0.003374142455868423},{"text":"So I like to just kind of split it between what's gonna impact your your next pay run versus","start":2307.43,"end":2313.03,"sentiment":"neutral","sentiment_score":0.14190711610411344}],"sentiment":"neutral","sentiment_score":0.03379059366595286,"channel":0,"num_words":65,"start":2290.8699,"end":2313.03},{"sentences":[{"text":"Mhmm.","start":2312.8,"end":2313.3,"sentiment":"neutral","sentiment_score":-0.06483003497123718}],"sentiment":"neutral","sentiment_score":-0.06483003497123718,"channel":1,"num_words":1,"start":2312.8,"end":2313.3},{"sentences":[{"text":"what's gonna happen inside the super fund.","start":2313.03,"end":2315.29,"sentiment":"neutral","sentiment_score":-0.07877337613276073}],"sentiment":"neutral","sentiment_score":-0.07877337613276073,"channel":0,"num_words":7,"start":2313.03,"end":2315.29},{"sentences":[{"text":"So I'm I'm a little confused when you say per fortnight, I have to pay $5.38 for the super.","start":2315.92,"end":2323.38,"sentiment":"neutral","sentiment_score":-0.2521288159646486},{"text":"That is pretax.","start":2323.5999,"end":2324.66,"sentiment":"neutral","sentiment_score":-0.22013990581035614},{"text":"So my tax liability goes down.","start":2326.155,"end":2328.715,"sentiment":"neutral","sentiment_score":-0.2506543348232905},{"text":"I understand that.","start":2328.715,"end":2329.935,"sentiment":"neutral","sentiment_score":-0.21810842553774515},{"text":"But","start":2330.475,"end":2330.975,"sentiment":"neutral","sentiment_score":-0.1525351107120514}],"sentiment":"neutral","sentiment_score":-0.24255167553201318,"channel":1,"num_words":32,"start":2315.92,"end":2330.975},{"sentences":[{"text":"Yep.","start":2330.645,"end":2330.88,"sentiment":"neutral","sentiment_score":-0.16994115710258484}],"sentiment":"neutral","sentiment_score":-0.16994115710258484,"channel":0,"num_words":1,"start":2330.645,"end":2330.88},{"sentences":[{"text":"fortnightly, I'm not getting the $500 also.","start":2331.675,"end":2334.955,"sentiment":"neutral","sentiment_score":-0.274141047682081},{"text":"Right?","start":2334.955,"end":2335.455,"sentiment":"neutral","sentiment_score":-0.19643643498420715}],"sentiment":"neutral","sentiment_score":-0.2644279710948467,"channel":1,"num_words":8,"start":2331.675,"end":2335.455},{"sentences":[{"text":"You would be getting less.","start":2336.96,"end":2338.9,"sentiment":"neutral","sentiment_score":-0.25048222839832307},{"text":"$5.38.","start":2339.68,"end":2340.64,"sentiment":"neutral","sentiment_score":-0.12576699256896973},{"text":"That's $16.05.","start":2340.64,"end":2342.0198,"sentiment":"neutral","sentiment_score":-0.11466926336288452},{"text":"So if you put $5.38 before tax through the pay, through the salary sacrifice, you would lose $3.73 less in the 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I I I know what you mean.","start":2364.905,"end":2366.88,"sentiment":"neutral","sentiment_score":-0.25786123238503933},{"text":"It is it is all based on the tax liability that gives me money back because I've saved some money pretax.","start":2366.88,"end":2374.02,"sentiment":"neutral","sentiment_score":0.0846025753943693},{"text":"So the the tax liability is low, but it does take the money out of my fortnightly pay.","start":2374.16,"end":2382.665,"sentiment":"neutral","sentiment_score":0.06847218403385745},{"text":"Right?","start":2382.665,"end":2383.165,"sentiment":"neutral","sentiment_score":0.05951491743326187},{"text":"My fortnightly taxable income in hand.","start":2383.7852,"end":2387.945,"sentiment":"neutral","sentiment_score":0.03207161370664835}],"sentiment":"neutral","sentiment_score":0.022189039564519016,"channel":1,"num_words":54,"start":2364.905,"end":2387.945},{"sentences":[{"text":"Let's say my fortnightly I'm on paid pay 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to work out on this one with my company because I have a limited lease going on on my salary.","start":2458.03,"end":2462.8499,"sentiment":"neutral","sentiment_score":-0.0421911489573263},{"text":"Two.","start":2463.95,"end":2464.45,"sentiment":"neutral","sentiment_score":-0.007913324050605297}],"sentiment":"neutral","sentiment_score":-0.040633066007020796,"channel":1,"num_words":22,"start":2458.03,"end":2464.45},{"sentences":[{"text":"Yeah.","start":2464.2,"end":2464.7,"sentiment":"neutral","sentiment_score":0.0024271439760923386},{"text":"It's when they switched you over in June, July to fortnightly contributions, your salary sacrifice 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to the team mid October just to reach out to schedule a brief booking in, and then I can go through any updated touch points with yourself and get a bit of a","start":3312.7249,"end":3324.87,"sentiment":"neutral","sentiment_score":0.20917633672555289}],"sentiment":"neutral","sentiment_score":0.20917633672555289,"channel":0,"num_words":36,"start":3312.7249,"end":3324.87},{"sentences":[{"text":"Yeah.","start":3327.84,"end":3328.16,"sentiment":"neutral","sentiment_score":0.1711556613445282},{"text":"Sure.","start":3328.16,"end":3328.66,"sentiment":"neutral","sentiment_score":0.2990204691886902},{"text":"Yeah.","start":3328.88,"end":3329.38,"sentiment":"neutral","sentiment_score":0.2724890112876892},{"text":"Probably the next call can be together with Mino and me.","start":3330.6548,"end":3333.4749,"sentiment":"neutral","sentiment_score":0.2486548207022927},{"text":"And we talk about Mino's investments and just an overview of what just like we've done today for myself so that she's also aware of it.","start":3333.775,"end":3342.8948,"sentiment":"neutral","sentiment_score":0.2364062454838019}],"sentiment":"neutral","sentiment_score":0.24061076380312443,"channel":1,"num_words":40,"start":3327.84,"end":3342.8948},{"sentences":[{"text":"And she usually goes through those calls, but then prefers that even I have a second she prefers a second set of files.","start":3342.8948,"end":3349.19,"sentiment":"neutral","sentiment_score":0.1053182220329409},{"text":"So, yeah, just that that is the only action that I would probably think after another three or four weeks from now because","start":3349.5698,"end":3357.5698,"sentiment":"neutral","sentiment_score":0.07588639596234197}],"sentiment":"neutral","sentiment_score":0.09060230899764143,"channel":1,"num_words":46,"start":3342.8948,"end":3357.5698},{"sentences":[{"text":"Perfect.","start":3357.5398,"end":3358.0398,"sentiment":"neutral","sentiment_score":0.22474420070648193}],"sentiment":"neutral","sentiment_score":0.22474420070648193,"channel":0,"num_words":1,"start":3357.5398,"end":3358.0398},{"sentences":[{"text":"we are traveling.","start":3357.5698,"end":3358.39,"sentiment":"neutral","sentiment_score":0.09710904707511266},{"text":"Yeah.","start":3358.5298,"end":3358.845,"sentiment":"neutral","sentiment_score":0.0948997512459755}],"sentiment":"neutral","sentiment_score":0.09655672311782837,"channel":1,"num_words":4,"start":3357.5698,"end":3358.845},{"sentences":[{"text":"Alright.","start":3359.7798,"end":3360.0999,"sentiment":"neutral","sentiment_score":0.0926864743232727},{"text":"I'll let Michelle know to wait until you get back and then schedule that in","start":3360.0999,"end":3364.885,"sentiment":"neutral","sentiment_score":0.10128659432133039}],"sentiment":"neutral","sentiment_score":0.10074908682145178,"channel":0,"num_words":16,"start":3359.7798,"end":3364.885},{"sentences":[{"text":"Yeah.","start":3365.325,"end":3365.825,"sentiment":"neutral","sentiment_score":0.11413739621639252}],"sentiment":"neutral","sentiment_score":0.11413739621639252,"channel":1,"num_words":1,"start":3365.325,"end":3365.825},{"sentences":[{"text":"for both of you guys.","start":3365.345,"end":3366.725,"sentiment":"neutral","sentiment_score":0.19265838861465454}],"sentiment":"neutral","sentiment_score":0.19265838861465454,"channel":0,"num_words":5,"start":3365.345,"end":3366.725},{"sentences":[{"text":"Yeah.","start":3367.085,"end":3367.585,"sentiment":"neutral","sentiment_score":0.20904305577278137}],"sentiment":"neutral","sentiment_score":0.20904305577278137,"channel":1,"num_words":1,"start":3367.085,"end":3367.585},{"sentences":[{"text":"Alrighty.","start":3369.665,"end":3370.165,"sentiment":"positive","sentiment_score":0.3696846663951874}],"sentiment":"positive","sentiment_score":0.3696846663951874,"channel":0,"num_words":1,"start":3369.665,"end":3370.165},{"sentences":[{"text":"Alright.","start":3370.845,"end":3371.345,"sentiment":"positive","sentiment_score":0.3848094940185547}],"sentiment":"positive","sentiment_score":0.3848094940185547,"channel":1,"num_words":1,"start":3370.845,"end":3371.345},{"sentences":[{"text":"I'll leave that email with you, mate, but it's been an absolute pleasure.","start":3371.105,"end":3373.745,"sentiment":"positive","sentiment_score":0.6047734090915093},{"text":"I told you my last call today would be great, and I was looking forward to it.","start":3373.745,"end":3378.2,"sentiment":"positive","sentiment_score":0.8432959072730121},{"text":"It's always a pleasure, my friend.","start":3378.2,"end":3379.74,"sentiment":"positive","sentiment_score":0.8701491256554922}],"sentiment":"positive","sentiment_score":0.7616383193267716,"channel":0,"num_words":36,"start":3371.105,"end":3379.74},{"sentences":[{"text":"Yes.","start":3381.35,"end":3381.6702,"sentiment":"positive","sentiment_score":0.6054584980010986},{"text":"Thank you very much.","start":3381.6702,"end":3382.47,"sentiment":"positive","sentiment_score":0.7957157492637634},{"text":"I appreciate your patience, Ray.","start":3382.47,"end":3384.07,"sentiment":"positive","sentiment_score":0.6668977260589599},{"text":"It's 07:00.","start":3384.07,"end":3384.95,"sentiment":"positive","sentiment_score":0.37679506838321686},{"text":"I didn't mean to hold you off to such a long time.","start":3384.95,"end":3387.45,"sentiment":"neutral","sentiment_score":0.12913365103304386}],"sentiment":"positive","sentiment_score":0.392750169771413,"channel":1,"num_words":24,"start":3381.35,"end":3387.45},{"sentences":[{"text":"No.","start":3388.04,"end":3388.52,"sentiment":"neutral","sentiment_score":0.01315758377313614},{"text":"I finish in three minutes, so I'm gonna go see the kids,","start":3388.52,"end":3392.435,"sentiment":"neutral","sentiment_score":0.20135808239380518}],"sentiment":"neutral","sentiment_score":0.18688112096144602,"channel":0,"num_words":13,"start":3388.04,"end":3392.435},{"sentences":[{"text":"Yeah.","start":3392.895,"end":3393.395,"sentiment":"neutral","sentiment_score":0.1942465901374817}],"sentiment":"neutral","sentiment_score":0.1942465901374817,"channel":1,"num_words":1,"start":3392.895,"end":3393.395},{"sentences":[{"text":"play some games, and thank you so much for your time.","start":3392.895,"end":3396.115,"sentiment":"positive","sentiment_score":0.6348895850506696}],"sentiment":"positive","sentiment_score":0.6348895850506696,"channel":0,"num_words":11,"start":3392.895,"end":3396.115},{"sentences":[{"text":"Likewise, mate.","start":3396.6328,"end":3397.513,"sentiment":"positive","sentiment_score":0.4339432865381241},{"text":"Likewise.","start":3397.513,"end":3397.993,"sentiment":"positive","sentiment_score":0.3775313794612885},{"text":"Have a good night.","start":3397.993,"end":3398.973,"sentiment":"positive","sentiment_score":0.6545002609491348}],"sentiment":"positive","sentiment_score":0.5519169994762966,"channel":1,"num_words":7,"start":3396.6328,"end":3398.973},{"sentences":[{"text":"You too, kids.","start":3399.5352,"end":3400.415,"sentiment":"positive","sentiment_score":0.5318187177181244},{"text":"Cheers.","start":3400.415,"end":3400.915,"sentiment":"positive","sentiment_score":0.6525559425354004}],"sentiment":"positive","sentiment_score":0.5620030239224434,"channel":0,"num_words":4,"start":3399.5352,"end":3400.915},{"sentences":[{"text":"Cheers, mate.","start":3401.273,"end":3401.993,"sentiment":"positive","sentiment_score":0.5428603887557983},{"text":"Bye.","start":3401.993,"end":3402.493,"sentiment":"neutral","sentiment_score":0.27177903056144714}],"sentiment":"positive","sentiment_score":0.45249993602434796,"channel":1,"num_words":3,"start":3401.273,"end":3402.493},{"sentences":[{"text":"Bye.","start":3402.655,"end":3403.155,"sentiment":"neutral","sentiment_score":-0.09910378605127336}],"sentiment":"neutral","sentiment_score":-0.09910378605127336,"channel":0,"num_words":1,"start":3402.655,"end":3403.155}]},"summary":{"result":"success","short":"During a call, a representative discusses the process of updating goals and reducing risk in the customer's portfolio, including asset management and risk profile. They emphasize the importance of maintaining a low risk profile and avoiding investing at the top of the cycle. The speaker emphasizes the importance of updating information and updating the Waste & Lifting Insurance (WAP) and other documents, and provides guidance on updating the portfolio and updating Waste & Lifting Insurance. The speaker also discusses their retirement goals and provides instructions for updating their Waste & Lifting Insurance policy."},"intents":{"segments":[{"text":"Last call of the day, I'm talking to me. That all of that did not really make a lot of sense together. I didn't.","start_word":41,"end_word":64,"intents":[{"intent":"Discuss future conversations","confidence_score":0.0001090705}]},{"text":"Oh, While that's coming through, I'll just quickly check security with you. Kitsch, are you okay for the call to be recorded? Yep. Okay.","start_word":142,"end_word":165,"intents":[{"intent":"Check security","confidence_score":0.15223195}]},{"text":"Could I please confirm your date of birth and address?","start_word":183,"end_word":192,"intents":[{"intent":"Confirm identity","confidence_score":0.13002421}]},{"text":"Could I please confirm your date of birth and address? Yes.","start_word":183,"end_word":193,"intents":[{"intent":"Confirm date of birth","confidence_score":0.23802911}]},{"text":"Date of birth is 07/16/1939, and my address is 12 Catania Muse, Caroline Springs, Victoria 3023. Sensational.","start_word":194,"end_word":210,"intents":[{"intent":"Report address","confidence_score":0.00028450997}]},{"text":"wanna Just take give a minute me one to second. switch across, that's okay. Yeah.","start_word":271,"end_word":285,"intents":[{"intent":"Request time to switch","confidence_score":0.00004309381}]},{"text":"So I'm on what the we're essentially focusing on is the super review for the portfolio, the retirement goals, the contributions. We have factored in just a little bit of a reminder in terms of updating wills and powers of attorney for the estate plan and the premiums for the insurances, but we're obviously not giving you insurance advice right now until that next anniversary comes around. Yep. Cool.","start_word":545,"end_word":613,"intents":[{"intent":"Review and download advice","confidence_score":0.0015196761}]},{"text":"Now in terms of the about you section on pages seven and eight for your assets and liabilities, I factored in that updated income of around about the 153,000 that we were talking about. Yep.","start_word":698,"end_word":732,"intents":[{"intent":"Update income","confidence_score":0.19420308},{"intent":"Understand portfolio","confidence_score":0.0005700614}]},{"text":"We've got your home investment property and vehicles listed, but, again, you're looking to sell that investment property as well.","start_word":732,"end_word":751,"intents":[{"intent":"Sell investment property","confidence_score":0.50236034}]},{"text":"If you swing past there, you'll see the Neos insurance cover for the life TPD and income protection followed by on page ten eleven, your risk profile still remaining as growth. Just one second.","start_word":756,"end_word":789,"intents":[{"intent":"Update risk profile","confidence_score":0.049670927}]},{"text":"Investment objective is to achieve a return that exceeds the increase in CPI by at least 4% per annum overall in five year period, which means if my if the CPI is at 4.35, then 9.35 is the investment objective, is it? Yeah.","start_word":867,"end_word":909,"intents":[{"intent":"Show investment objective","confidence_score":0.10601216}]},{"text":"I'll show you that performance table a little bit lower. Sure. Just one second.","start_word":967,"end_word":980,"intents":[{"intent":"Show performance table","confidence_score":0.18104817}]},{"text":"Investment strategy. Utilizing a core satellite investment portfolio, we are able to invest into diversified range of investments with a focus on capital growth. Okay.","start_word":981,"end_word":1005,"intents":[{"intent":"Investigate investment strategy","confidence_score":0.0016628172}]},{"text":"Utilizing a core satellite investment portfolio, we are able to invest into diversified range of investments with a focus on capital growth. Okay.","start_word":983,"end_word":1005,"intents":[{"intent":"Utilize diversified portfolios","confidence_score":0.000041667474}]},{"text":"So to kind of summarize this page a little bit, we're not changing super funds at this point. We're keeping hub twenty four. We're changing the underlying investments. So an investment switch is essentially what we're doing, plus a rebalance of all the options to be back in line with where they should be. Yep.","start_word":1050,"end_word":1104,"intents":[{"intent":"Streamline investments","confidence_score":0.006937267}]},{"text":"So all of the investments that we have put in your portfolio, they are ETFs. So they're very, very cheap going forward, but you do pay a brokerage fee upfront to purchase them, which is around about 0.11%, which we factored in as well. Yep.","start_word":1418,"end_word":1462,"intents":[{"intent":"Discuss investment options","confidence_score":0.015404036}]},{"text":"And the recommended is $275.80. That is net after all deductions on the $32,500. Correct.","start_word":1963,"end_word":1977,"intents":[{"intent":"Calculate tax deductions","confidence_score":0.38154808}]},{"text":"Oh, so oh, it reduces my tax liability by $68 for every $100 if I take it out of my I mean, I'm I make the extra contributions to Super, you mean? Correct.","start_word":2126,"end_word":2158,"intents":[{"intent":"Calculate tax liability","confidence_score":0.02523959}]},{"text":"So current versus recommended portfolio. Again, trying to hit that kind of double digits across all time periods was my goal in the updated portfolio. Right.","start_word":2675,"end_word":2700,"intents":[{"intent":"Update portfolios","confidence_score":0.0016843571}]},{"text":"Factoring in essentially a decade gives you usually one or two market drops, and that gives Yep. you a nice average. Yeah.","start_word":2806,"end_word":2827,"intents":[{"intent":"Recommend and summarize market drops","confidence_score":0.000407814}]},{"text":"We've got the gold allocation and a number of options underneath that, which are remaining, but are just being rebalanced back in line with where they should be. So from 8% to 10%, it really should be around that much for your alternative assets. So those ones that you can see from there are rebalanced but maintained. Mhmm. Yep.","start_word":3168,"end_word":3226,"intents":[{"intent":"Rebalance assets","confidence_score":0.01644709}]},{"text":"Reason being is, again so reduced fees, improved performance, and we wanted to try a lower fee option for yours. But I also wanted to just, generally speaking, reduce your Australian allocation a little bit compared to the international side. Alright.","start_word":3372,"end_word":3412,"intents":[{"intent":"Lower fees","confidence_score":0.08811597}]},{"text":"more satellites get added for Europe, Japan, and developing countries that exclude The US just to get you a bit more exposure to the areas that are doing a bit better economically than Australia is currently.","start_word":3421,"end_word":3456,"intents":[{"intent":"Promote satellites","confidence_score":0.0044334033}]},{"text":"And then invest 20%. Okay. So 20% is going to be a large contribution to Australia, 200. Okay. Yeah.","start_word":3506,"end_word":3524,"intents":[{"intent":"Place investments","confidence_score":0.00043277358}]},{"text":"With China making and selling electric cars and everything else, do we really think that the whole world is going to really experience a boom or something or pick up sometime soon? Yeah.","start_word":4000,"end_word":4032,"intents":[{"intent":"Discuss impact of china's ai boom on the world","confidence_score":0.00091868517}]},{"text":"The AI is a bubble and it'll burst. I'm not saying it's fake, but it'll take some time before it really gets picked up to or used or applied to its full potential. So Yeah.","start_word":4266,"end_word":4300,"intents":[{"intent":"Optimize ai performance","confidence_score":0.04025433}]},{"text":"So target weight is 1.25. When I rebalance it, it'll rebalance it, but it also automatically does it. So you will tend to get emails saying cash balance is low, investments that get sold down, contributions go in, and it tops itself back up. But this is basically where your cash balance was sitting when we did the research versus Mhmm. the long term average that we need to maintain. Yeah.","start_word":4582,"end_word":4652,"intents":[{"intent":"Calculate asset size","confidence_score":0.0008583444}]},{"text":"When I rebalance it, it'll rebalance it, but it also automatically does it. So you will tend to get emails saying cash balance is low, investments that get sold down, contributions go in, and it tops itself back up.","start_word":4587,"end_word":4625,"intents":[{"intent":"Rebalance cash balance","confidence_score":0.3413061}]},{"text":"So you will tend to get emails saying cash balance is low, investments that get sold down, contributions go in, and it tops itself back up. But this is basically where your cash balance was sitting when we did the research versus Mhmm. the long term average that we need to maintain. Yeah. Yep.","start_word":4600,"end_word":4653,"intents":[{"intent":"Keep cash balance","confidence_score":0.00407712}]},{"text":"For that next table, the easiest way to see underneath that pie chart is it gives you the percentages of your risk profile just as an as an estimate.","start_word":4658,"end_word":4686,"intents":[{"intent":"Understand risk profile","confidence_score":0.0076995003},{"intent":"Determine portfolio risk profile","confidence_score":0.12805739}]},{"text":"The main thing to point out here is obviously a little bit of a reduction in the Australian equities from that 26, 27 to just under 20%.","start_word":4700,"end_word":4726,"intents":[{"intent":"Reduce growth allocation","confidence_score":0.13247706}]},{"text":"the last line, defensive total, alternative defensive assets have been reduced to zero. Yes.","start_word":4846,"end_word":4859,"intents":[{"intent":"Determine alternative defensive assets","confidence_score":0.002899262}]},{"text":"If there's a market downturn and if it's that drastic, very likely that a lot many people will lose jobs. Yeah.","start_word":5363,"end_word":5383,"intents":[{"intent":"Analyze market risks","confidence_score":0.004424489}]},{"text":"And as long as we can have those discussions throughout the year, we will keep on top of it. And whenever something changes in the world, we'll discuss what can be done, what the options are. Yep.","start_word":5625,"end_word":5661,"intents":[{"intent":"Discuss options","confidence_score":0.0064047496}]},{"text":"There was just one last table for the contribution taxes if you wanted to have a look at that before we switched.","start_word":5673,"end_word":5694,"intents":[{"intent":"Discuss contribution taxes","confidence_score":0.20604932}]},{"text":"The table is quite clear. Yep. Okay.","start_word":5762,"end_word":5768,"intents":[{"intent":"Clarify table","confidence_score":0.020917056}]},{"text":"So I like to just kind of split it between what's gonna impact your your next pay run versus Mhmm.","start_word":5861,"end_word":5880,"intents":[{"intent":"Split contribution expenses","confidence_score":0.00011956858}]},{"text":"So my tax liability goes down. I understand that.","start_word":5910,"end_word":5918,"intents":[{"intent":"Clarify tax liability","confidence_score":0.07293783}]},{"text":"My fortnightly taxable income in hand. Let's say my fortnightly I'm on paid pay calculator. I've just put in this number, 153286, and my fortnightly pay is 4323.","start_word":6022,"end_word":6049,"intents":[{"intent":"Calculate income","confidence_score":0.03589143}]},{"text":"I had to I lost some money in my investments last year, and Yeah. it wiped out it wiped out. So it wiped out a lot of money from my pocket. I had some good $30.40 grand that I was thinking that this year I'll pump in in my concessional to recover for the carry forwards on the ATO for Yep.","start_word":6328,"end_word":6388,"intents":[{"intent":"Recover losses","confidence_score":0.01780575}]},{"text":"we decide I remember to you saying sell the even house. the offset account's been depleted as well. Yes.","start_word":6408,"end_word":6426,"intents":[{"intent":"Sell account","confidence_score":0.0052353204}]},{"text":"So if that's possible, and I can stretch it till January, then Meenal and I, you can make a note of it.","start_word":6667,"end_word":6688,"intents":[{"intent":"Make a note","confidence_score":0.006585764}]},{"text":"So if that's possible, and I can stretch it till January, then Meenal and I, you can make a note of it. Meenal and I can start January Yeah.","start_word":6667,"end_word":6695,"intents":[{"intent":"Start january","confidence_score":0.3587575}]},{"text":"2027 to start making those salary sacrifices. We'll be in Yep. a better condition with some more savings, you know, at least for a couple of months, I don't know, $1,520,000 in the office. Yeah. Yeah.","start_word":6697,"end_word":6732,"intents":[{"intent":"Discuss savings and savings","confidence_score":0.00022939632}]},{"text":"So, again, 100%, Build your savings up, and I will make sure that you still get to the goal regardless. Thank you, mate.","start_word":6905,"end_word":6927,"intents":[{"intent":"Make changes for goals","confidence_score":0.0000034980005}]},{"text":"I mean, the information that you've put in and the way you've just taken me through all that information has been quite insightful because all our earlier calls with Kyle, and nothing wrong with Kyle Giddings, but all the calls have been he's taken me through those numbers, but I had never seen anything in front of me as a document.","start_word":7117,"end_word":7177,"intents":[{"intent":"Provide information","confidence_score":0.031560432}]},{"text":"If you can consent to this document once you've had a read and you're comfortable on a Friday, we do buy sell orders and can switch the investments Yes, please.","start_word":7344,"end_word":7373,"intents":[{"intent":"Verify consent","confidence_score":0.001459221}]},{"text":"So I just need to make sure you're comfortable with our fees of the 1.1%, and the rest of those documents do not require signatures. They're just to keep on file. So if you haven't used this new system before, the statement of advice has a consent form to sign.","start_word":7433,"end_word":7482,"intents":[{"intent":"Support document usage","confidence_score":0.0005490132}]},{"text":"Just bear in mind, it does expire, the statements of advice. We can't have something signed nine months later kind of thing and actually implement it.","start_word":7920,"end_word":7945,"intents":[{"intent":"Implement statements and investments","confidence_score":0.000008586569}]},{"text":"Yes, so sooner the better just because now that we've started and I believe from the last conversation, you also did mention that it will be good for you to look at Nynal's portfolio as well. So that Yeah.","start_word":8128,"end_word":8166,"intents":[{"intent":"Review portfolio and provide assistance","confidence_score":0.00057512725}]},{"text":"Once I sign these off, I know that these investments will roll over to the new ones Yep. this Friday, like you said, So and the other part remains as minerals. That's it.","start_word":8202,"end_word":8234,"intents":[{"intent":"Discuss investments and portfolio","confidence_score":0.005211863}]},{"text":"just review touch points whenever. Yeah.","start_word":8248,"end_word":8253,"intents":[{"intent":"Review touch points","confidence_score":0.02319782}]},{"text":"I'm having a look at her portfolio at the moment, and everything looks new, up to date, quality.","start_word":8254,"end_word":8271,"intents":[{"intent":"Review portfolio","confidence_score":0.030502362}]},{"text":"Probably the next call can be together with Mino and me.","start_word":8507,"end_word":8517,"intents":[{"intent":"Plan call with mino","confidence_score":0.014519289},{"intent":"Schedule call with mino","confidence_score":0.13216403}]}]},"sentiments":{"segments":[{"text":"Hello? Good evening, Kedge. It's Tommy here from. How are you doing? Hey, Tommy.","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.2338036745786667},{"text":"I'm good, mate. How are you? Oh, living the dream. It's a beautiful evening.","start_word":14,"end_word":27,"sentiment":"positive","sentiment_score":0.4922102987766266},{"text":"Last call of the day.","start_word":28,"end_word":32,"sentiment":"neutral","sentiment_score":-0.269142746925354},{"text":"Who's not happy?","start_word":33,"end_word":35,"sentiment":"negative","sentiment_score":-0.5483493208885193},{"text":"Oh, okay. Living the dream. Last call of the day, I'm talking to me.","start_word":36,"end_word":49,"sentiment":"neutral","sentiment_score":-0.19403165578842163},{"text":"That all of that did not really make a lot of sense together.","start_word":50,"end_word":62,"sentiment":"negative","sentiment_score":-0.5037232637405396},{"text":"I didn't. No.","start_word":63,"end_word":65,"sentiment":"neutral","sentiment_score":-0.21336816251277924},{"text":"I'm having a great time.","start_word":66,"end_word":70,"sentiment":"positive","sentiment_score":0.37359264492988586},{"text":"I look I was looking Yeah.","start_word":71,"end_word":76,"sentiment":"neutral","sentiment_score":0.17716838419437408},{"text":"forward I'm to just that working, chat, ma'am. and it's all good and ready to go, mate.","start_word":77,"end_word":93,"sentiment":"positive","sentiment_score":0.47004449367523193},{"text":"Have you got a bit of time for me? Yes. Yes. Yes. I already had put us a name in the calendar, so I was expecting your call. Go for it.","start_word":94,"end_word":124,"sentiment":"neutral","sentiment_score":0.12862876057624817},{"text":"Perfect.","start_word":125,"end_word":125,"sentiment":"positive","sentiment_score":0.38986408710479736},{"text":"I'll shoot through this email to you now just so we can look onto the documents. Oh, While that's coming through, I'll just quickly check security with you. Kitsch, are you okay for the call to be recorded? Yep. Okay. Yep. And just for the security of your information, so I'm registered with Asik as adviser 1273105. Could I please confirm your date of birth and address? Yes. Date of birth is 07/16/1939, and my address is 12 Catania Muse, Caroline Springs, Victoria 3023. Sensational. Now I have sent it through to your Gmail. Will you better look on to the advice document with me tonight? Sure. Perfect. Just one second. Let's see. Yep. Okay. Cool. Do I need to get on to I'd rather get on to my PC and a bigger screen than the mobile, if you don't mind. Yeah. If you Yeah. wanna Just take give a minute me one to second. switch across, that's okay. Yeah. Yeah. Just give me one second. No worries. Yep. Just headed to my screen. Oh, man. Okay. I can't because my son is having his class, so I don't have a big career. No worries. Let me see. Yeah. Yeah. Yeah. Alright. I'll just go on my phone. K. And if you want, I can obviously just give you the cliff notes, give you some time to read through it, but there's mainly about four, five tables I wanna run through with you that are the main ones. If you can look onto the document with me, I'll kind of just go through it as I would normally do if I was sitting Okay. in front of you just Yep. so I can cover off on everything. Yes. So what's come through, if you open them up, you should see the beach Front City Gold Coast picture there for Yep. the statement of advice. Yep. I'm on that Now page here. I do apologize with most of these advice pieces. I've included all of the product update documents from the insurer and the super fund. So there are about eight documents on the email. The statement of advice is the main one. There's a few hub 24 and NEOS documents. There is a certificate of currency, some research appendix, and a service agreement as well. But if you swing down to pages three and four, you'll see the scope of advice for this particular document. Okay. Scope of the device considered and limited scope. Yep. Just download that. Yep. So I'm on what the we're essentially focusing on is the super review for the portfolio, the retirement goals, the contributions. We have factored in just a little bit of a reminder in terms of updating wills and powers of attorney for the estate plan and the premiums for the insurances, but we're obviously not giving you insurance advice right now until that next anniversary comes around. Yep. Cool. We're not giving advice for cash flow and debt management because, obviously, you're looking after that side of things, but I have just included in the goals, and we'll have that continual conversation with you on those topics. Yep. Cool. If you skim past there, you'll see a red heading for limited advice warning, and that's just letting you know that we're not covering everything in this document.","start_word":126,"end_word":681,"sentiment":"neutral","sentiment_score":0.026388221117165343},{"text":"If the information we have isn't accurate, it may not.","start_word":682,"end_word":691,"sentiment":"negative","sentiment_score":-0.4952693581581116},{"text":"It'll impact the recommendations. Yep. Now in terms of the about you section on pages seven and eight for your assets and liabilities, I factored in that updated income of around about the 153,000 that we were talking about. Yep. We've got your home investment property and vehicles listed, but, again, you're looking to sell that investment property as well. Yes. That's correct.","start_word":692,"end_word":754,"sentiment":"neutral","sentiment_score":0.01635169024978365},{"text":"Perfect.","start_word":755,"end_word":755,"sentiment":"positive","sentiment_score":0.6272456645965576},{"text":"If you swing past there, you'll see the Neos insurance cover for the life TPD and income protection followed by on page ten eleven, your risk profile still remaining as growth. Just one second. Current risk profile portfolio. Yes. Life insurance, 1.5. TPD insurance, 1.5. Income protection, 8973. Yes. And what's the next one? Is your risk profile. My So risk we're keeping profile. you as a growth investor. Yeah. Yeah. Yep. If you go past there, you'll see a bit of a pie chart of what growth looks like, but the main page with most of the text is on page 12 under strategy recommendations. Just a second. Investment objective. Investment objective is to achieve a return that exceeds the increase in CPI by at least 4% per annum overall in five year period, which means if my if the CPI is at 4.35, then 9.35 is the investment objective, is it? Yeah. So that would be essentially Yep. the benchmark. The benchmark. Yeah. And investment but we are not going at that rate of interest. Right? The current Correct. investment returns are not at 9% or 10%, right? They're lower. That's eight point Yes. one two at the moment There's for one, the two. five year average. Okay. Yep. I'll show you that performance table a little bit lower. Sure. Just one second. Investment strategy. Utilizing a core satellite investment portfolio, we are able to invest into diversified range of investments with a focus on capital growth. Okay. Okay. Then the growth part. Okay. A lot to read. And then there's a pie chart. Okay. And I still go for go past the pie chart? Just pass the Yep. pie chart to the next blue heading. Yep. Strategy recommendations. Yep. Alright. So to kind of summarize this page a little bit, we're not changing super funds at this point. We're keeping hub twenty four. We're changing the underlying investments. So an investment switch is essentially what we're doing, plus a rebalance of all the options to be back in line with where they should be. Yep.","start_word":756,"end_word":1103,"sentiment":"neutral","sentiment_score":0.033255957479149785},{"text":"So the reasoning for that is the next two paragraphs where essentially Hub twenty four has enough investment options and features to facilitate your needs and what we're recommending.","start_word":1104,"end_word":1132,"sentiment":"positive","sentiment_score":0.36515012383461},{"text":"Yep. The underlying investment change, we're trying to improve your position over ten years. We're obviously not giving you a full retirement analysis because past ten years, it becomes a little bit inaccurate to do a projection for that long.","start_word":1133,"end_word":1172,"sentiment":"neutral","sentiment_score":0.02697359398007393},{"text":"But we do have that overarching goal that we're tracking together of that mortgage paid off 1,500 a week after tax, and we'll continue to refine that each year together.","start_word":1173,"end_word":1202,"sentiment":"positive","sentiment_score":0.3712622821331024},{"text":"Okay. We've Yeah. included I'm going here through that sorry. I'm sorry, going through Kitch. that changing your underlying investments paragraph, and it does not give me I mean, yeah, does not have any guarantees there. Yeah. Okay. Yep. So the main thing here in terms of the rationale is limit the investment fees. So there'll be when it says save $363 per annum, that's just based on the current balance because the Yep. fees are percentage based. So the bigger the balance grows, the more the fee savings will be from switching the investments. The one, three, five, and ten year returns are improved, and I've factored Mhmm. in a capital gains tax inside the super of about 225 for switching all the investments around. So that's Okay. factoring in all gains and losses and offsets, and you basically make that back within the first year just on the fee difference alone. Yep. Okay. Understood. Yep. K? Now it tends to repeat a lot of the same information in the next table on the next page. It just side by sides them in terms of advantages and disadvantages. Yep. Yeah. So Yeah. it includes Yeah. the capital gains tax, performance, and fees. The difference that I need to point out is brokerage fees. So all of the investments that we have put in your portfolio, they are ETFs.","start_word":1203,"end_word":1431,"sentiment":"neutral","sentiment_score":0.07103564033862285},{"text":"So they're very, very cheap going forward, but you do pay a brokerage fee upfront to purchase them, which is around about 0.11%, which we factored in as well.","start_word":1432,"end_word":1460,"sentiment":"positive","sentiment_score":0.3371657431125641},{"text":"Yep. Now one thing we can't estimate is the aggregated trading with hub twenty four. Again, when we place the trades, if anybody is selling what you're buying or buying what you're selling, it will switch the parcels without charging you a brokerage fee. So the brokerage fees tend to get minimized somewhere between zero to 80%. I can't estimate how much it'll be on the day, but I have seen it go well over half of the brokerage fees minimized with that feature. Yeah. Okay. K? Yeah. We Hub have 24 still internal. has the most investment options, so it's just saying that overall, there'll be a slightly higher allocation to growth assets once we did all of the rebalancing as well. What is that percentage between how do you what do we call it? Yeah. So if you just swing down a little bit further, we'll show you in the tables the exact percentages for you. In terms of the risks and alternatives on the next page, they're usually just the same warnings about not being able to control the markets. Markets Yep. perform differently, no guarantees of performance, all that kind of thing. And depending on when we place the trades, the capital gains tax might be slightly different. Yep. Understood. Yep. The fee comparison table on page 15, if you can make out the figures in there. Page 15 is this and then alternate is considered. Yeah. So the one just after that. Yeah. So that is oh, page oh, page number on the p oh, this is the Yeah. Yep. dot That's com. right. Odoo would have it There's as a 16. different page number. Sorry. Sorry. Okay. I I see. I see. There's a page number at the footnote of each page. Okay. Page number 15. Yep. Yes. I'm on the table here.","start_word":1461,"end_word":1769,"sentiment":"neutral","sentiment_score":0.07350566238164902},{"text":"Perfect.","start_word":1770,"end_word":1770,"sentiment":"positive","sentiment_score":0.5123602151870728},{"text":"So the difference column on the right hand side, Yep. we have factored in here a number of things. So the $2.25 is like your capital gains tax at the top. The investment fees, the $3.63 savings, that's two rows down. Yep.","start_word":1771,"end_word":1812,"sentiment":"neutral","sentiment_score":0.10673347115516664},{"text":"It'll say that the advice fees increased by $81, but that factors in the growth for that year, the improved growth, the contributions, and everything like that.","start_word":1813,"end_word":1839,"sentiment":"positive","sentiment_score":0.3733830153942108},{"text":"And then I've included there if you maximize all of your salary sacrifice contributions to the cap minus the 15% tax. Hold on. Hold on. I'm in the lump sum comparison. Adviser fee fee then net contributions per annum. Net contributions per annum, what does that mean? What is the difference? So 32,500 is the cap for the financial year. You include your employee contributions and salary sacrifice, which I've put in an estimate for the maximum, and they take out a 15% superannuation tax when the contributions go in. So the net contributions are a little bit lower than 32,500. Yeah. Yeah. Yeah. So the my current, if I don't make any contributions out of pocket, then that's $1,561,569.00, is it? Correct. And the recommended is $275.80. That is net after all deductions on the $32,500. Correct. That's net of the tax that'll be taken out of the contributions, but it won't be the impact to your take home pay. I've got a separate tax table for that. Okay. I need to Is understand it why is it why is it not an impact on my take home pay? Because if I do an extra contribution, concession contribution, then will it not deduct, I mean, will it not reduce my take home pay by that much? yes. Correct. So what what I factored into this one is Mhmm. when it goes inside super, they take out 15% tax, so less will be invested. So for every $100.85 gets invested. But for your take home pay, they'll take it out before you get taxed and then tax you on the leftover. So for every $100 that goes in, it impacts Mhmm. you by $68 approximate. Oh, so oh, it reduces my tax liability by $68 for every $100 if I take it out of my I mean, I'm I make the extra contributions to Super, you mean? Correct. So slightly flip that. So if you put a $100 in, you will reduce your taxes by 30 Mhmm. two or whatever Mhmm. your percentage bracket is for that amount, and Mhmm. then you'll lose that leftover in the pay. So if you put a 100 in, it'll cost you 60 Yeah. 8, but you'll save 32 on tax. Yeah. Yeah. Okay. Understood. Understood.","start_word":1840,"end_word":2221,"sentiment":"neutral","sentiment_score":0.06261870245015277},{"text":"Yeah. Cool. Perfect.","start_word":2222,"end_word":2224,"sentiment":"positive","sentiment_score":0.5529128313064575},{"text":"So There is a performance average at the bottom of that table. I'm just using the five year figure for this one, but all of the figures are on the next page for every performance period. Okay. So the current is 8.12 and the recommended is 10.62. That's the five year rolling average. Okay. Yep. Okay. So I'm just going to come back to the net contributions. You said that 27,580 is after all the deductions and tax deductions on the super. So from 30 to 500, the figure comes down to 27,580 that is available for investment. Correct? Yes. Okay. So it's it's that large figure. It's $4,000. Wow. Wow. Okay. Sorry. Say that last bit again? I said, see, the current limit for super with the concessional contribution is 30 to 500. Yes. Now I see a net contribution in the recommended column at $275.80. Oh, yep. Yep. And that's minus the 15% tax that they take inside the super fund. Yeah. So that's around little shy of $5,000 for the year. Correct. Wow. That's a big Yeah. So when you look at percentages, think of it this way. So when you think number. again of the $100, if you're Yep. getting taxed 32, 37%, you'll save that amount in your pay, but then they'll take 15% out of the super. So the Good. net difference is $22.25, the difference between the two, but it's just Yes. separate periods. One's inside the super fund, one's in your pay. Yeah. Yeah. Wow. Yeah.","start_word":2225,"end_word":2478,"sentiment":"neutral","sentiment_score":0.08730120434770434},{"text":"Yep. Cool.","start_word":2479,"end_word":2480,"sentiment":"positive","sentiment_score":0.39759498834609985},{"text":"Alright. Let's move on to the next page. Is it now? Yep. So you've got the five and ten year projection estimates. Okay. So lump sum in five years, current will go to $2.57. The recommended will go to $3.55. That's with the 10 whatever recommendation rolling average. Correct. Yeah. Yep. Okay. And lump sum in ten years, currently reach $3.72, but the recommended will reach $6.20. Okay. That factors in the salary sacrifice contributions as well. Yep. So the salary sacrifice contributions have to be a constant, you're saying. Correct. Yep. Understood. Yep. Okay. Okay. I have included in the appendix a projection that counts no additional contributions just so you've got those figures there as well.","start_word":2481,"end_word":2598,"sentiment":"neutral","sentiment_score":0.07582759112119675},{"text":"Brilliant. Brilliant.","start_word":2599,"end_word":2600,"sentiment":"positive","sentiment_score":0.6526915431022644},{"text":"Alright. Okay. So shall I jump to that one right now in the appendix or are we going one item after another? We'll How just how go how will through you these driving next few pages, and then I'll switch you across to the appendix. it? Yep. Sure. The performance table here, I've got the one, three, five, and ten years. One, three, five, and ten years. Yes. Analyze investment returns. Yes. Yes. Yep. So current versus recommended portfolio. Again, trying to hit that kind of double digits across all time periods was my goal in the updated portfolio. Right. Okay. And Okay. you Okay. can Yeah. see the sort of 6.8 to 9.9, 12 to fifteen, eight to ten, eleven to just under 13. Yep. Yep. Does it go for five years, does it drop always? Depends on what's happening in the world. So that's the funny thing about the data snapshots is if there has been a drop like COVID within the last Alright. five to Yeah. six years, that'll impact that a lot more. So it depends on when you're chopping the data. Alright. So this is more of a conservative approach taken right now? Is that how Yeah. it is? Okay. Factoring in essentially a decade gives you usually one or two market drops, and that gives Yep. you a nice average. Yeah. Yeah. Yeah. Exactly. Alright.","start_word":2601,"end_word":2831,"sentiment":"neutral","sentiment_score":0.013932426738274564},{"text":"Good.","start_word":2832,"end_word":2832,"sentiment":"positive","sentiment_score":0.34239500761032104},{"text":"Like, I think it's in every eight years there's a market drop. If not, Yes. Seven or eight years is to seven be expected. or eight years is the cycle currently. Yep. Okay. Yep. You got the .com in 2000, GFC in 2007, COVID, Yep. Greece and China Crisis in twenty fourteen, fifteen. It just goes on and on. Yep. Yep. Exactly. Cool. Alright. Cool. Yep. Portfolio on the next page. So, again, apologies for the amount of figures in these tables, but this is the update that we're recommending. And the easiest way to understand it is the left hand column is the options. The second last column in the target weight, that is what Mhmm. we're recommending it goes to. Yeah. Okay. Okay. Just give me one second. I think I need my glasses for this now. Yeah. This will be the main one for for the glasses that I would recommend. Yeah. Just one second. My glasses. Hi. All good? Hi. I'll see you. I'll see you. I'm on the phone. Sorry. Sorry, Tommy. No worries at all then. I apologize. It is not steady. Yeah. Alright. Where's the page? Yep. Alright. Got it. Cool. So we discussed three main funds to possibly replace in the portfolio. Uh-huh. Yep. I'm recommending five be updated. Okay. Alright. Cool. Yep. Yeah. So we've got the battery tech and lithium, which is probably one of your best performers that I'm wanting to replace for the time being, Mhmm. is essentially just take the winnings while it's hot. Once you get, you know, return of 60 to a 100%, there's no point being greedy for the time being. It's Yep. something to it's always kept on the side to come back to. Once there's a pullback, we can jump back into it. The Bennelong was the main underperformer in the second row. Yep. The bank hybrids, which is again that type of term deposit that the government is phasing out, that one is being removed. Yep. We've got the gold allocation and a number of options underneath that, which are remaining, but are just being rebalanced back in line with where they should be. So from 8% to 10%, it really should be around that much for your alternative assets. So those ones that you can see from there are rebalanced but maintained. Mhmm. Yep. We got shares to 5% bringing it down. IShares to 14% bumping it up by another six Yep. odd percent. IShares from 20 to 30. Alright. And then from here, Yeah. these Yeah. are the last two that are being removed, which Yep. is the property option, which as a reminder from our last conversation, these are property companies, which are doing quite poorly after the legislation changes for capital gains tax and negative gearing. Yep. Yep. The last one there so this one's just a little bit of a sidestep for you. So the Raffi Australia two hundred, Mhmm. that is essentially an index fund that tracks the Australian market. It was a sister funds to the Benelong. They were both investing in similar assets, but Mhmm. I'm just consolidating that into the bottom option, which is the bait Australia's Australia 200. Oh, okay. Reason being is, again so reduced fees, improved performance, and we wanted to try a lower fee option for yours. But I also wanted to just, generally speaking, reduce your Australian allocation a little bit compared to the international side. Alright. Okay. Okay. Yep. Yeah. So a few Okay. more satellites get added for Europe, Japan, and developing countries that exclude The US just to get you a bit more exposure to the areas that are doing a bit better economically than Australia is currently. Okay. So iShares for Europe, MSCI for Japan, and Vanguard on world. Okay. Yeah. So Excluding that one excludes this. the Okay. US. Your US exposure is in the S and P 500. This one just gets you a few countries outside of The US. Right. Right. Yeah. Okay. And then invest 20%. Okay. So 20% is going to be a large contribution to Australia, 200. Okay. Yeah. So instead of the Raffy, which is at 16, and Bennelong, Yep. which is at 11, so instead of 27% Australia shares, we're going down to 20. Yeah. Okay. Okay. Alright. And of of these, that that you're recommending, ISHES Europe or ISHES Japan, Vanguard, all world excluding US, are they kind of performing right now or are they at A the top of their performance? Are we investing them at the top of the performance at the top or how are they placed right now? little bit of both. So some of them have a position for the future investments, which is the old world. That's more once manufacturing moves away from China to different industries, different countries, that will tend to pick up when their GDP increases. But when you look at, for example, like Japan and so on, they've actually had improved economic returns the last sort of year or two compared to where they were five and ten years ago. So we're sort of catching them mid rise, whereas the all world excluding The US, that is for future economic growth. Okay.","start_word":2833,"end_word":3710,"sentiment":"neutral","sentiment_score":0.0626019482715119},{"text":"So None of them are at the top of a cycle where we're gonna invest at the top to have a crash.","start_word":3711,"end_word":3732,"sentiment":"negative","sentiment_score":-0.4208771288394928},{"text":"yeah. Yeah. Yeah. The closest thing to that would be the gold option, but that's already had enough of a pullback that it's a bit of a buying opportunity. Right. So you're adding another 1.97 to it. Okay. Yep. Yep. Okay. Okay. See, in my personal experience, the only reason why I ask is in my personal experience, when I have touched something, it is not turned to gold.","start_word":3733,"end_word":3801,"sentiment":"neutral","sentiment_score":-0.14044587314128876},{"text":"It is turned to stone. That I know where I can fail.","start_word":3802,"end_word":3813,"sentiment":"negative","sentiment_score":-0.3944319486618042},{"text":"So that's why the question yeah.","start_word":3814,"end_word":3819,"sentiment":"neutral","sentiment_score":-0.21964605152606964},{"text":"Let's not invest at the top because the next thing it it is going to do is go down.","start_word":3820,"end_word":3838,"sentiment":"negative","sentiment_score":-0.41147181391716},{"text":"So yeah. Yep. No. At least, you know, how we talked about the volatility last conversation? Yeah. Through Yeah. Yeah.","start_word":3839,"end_word":3858,"sentiment":"neutral","sentiment_score":-0.17622052133083344},{"text":"the end of that, we'll still get a good average because we've got some diversification there.","start_word":3859,"end_word":3874,"sentiment":"positive","sentiment_score":0.4608308076858521},{"text":"Normally, I run around about six to eight options in a portfolio. I'm adding a couple of extra ones on for you just to get a little bit more spread. And Mhmm. that way, it's not gonna be as sharp. Like, if I had you in just that, like, battery tech and lithium, for example, if that one industry goes under, then all of a sudden your super shoots down 5% just off that one satellite. Big impact. Just trying to minimize the impact a little Yeah. Yeah. Yeah. Yeah. Yep. And for the whole world, excluding US, you're you're talking about other countries getting more manufacturing outside of China. bit. That is not going to happen for the next ten, twenty years, isn't it? With China making and selling electric cars and everything else, do we really think that the whole world is going to really experience a boom or something or pick up sometime soon? Yeah. Not just from the China side of things. Like you said, that's more long term. This is more developing nations that are in an economic growth. Oh, okay. So that Oh, was okay. just an example of it, but it's not just hinging on once China does this, then it'll go up. It'll be hinging on a lot of different countries growing as well. Oh, okay. And what countries I mean, just for information's sake. So it also what it does is not just the countries themselves. It follows companies around different areas. So it includes, like, Samsung, semiconductor manufacturers in Taiwan, a few different companies like that that are around the world. So Uh-huh. Okay. they're kind of linked into the AI boom a little bit as well, and it's not just incumbent on, like, the, you know, Mhmm. African GDP or something like that. Yeah. Yeah. Yeah. Okay. We're not banking in any of these. We're not banking heavily on the AI. Right? No. I haven't included any Nasdaq stocks for you or anything like that, anything tech heavy. It's if they become large companies within the index that you'll link to, you'll get exposure that way, but nothing directly linking into the hyperscalers or anything directly tech focused yet. Because yeah. Okay. Because I I have a feeling that they it's typical just like the Internet, just like anything else. The AI is a bubble and it'll burst. I'm not saying it's fake, but it'll take some time before it really gets picked up to or used or applied to its full potential. So Yeah. I yeah. think I tend to agree with that too. And and what I'm seeing when I talk fund managers and the investment committee is that when the hype blows something up that quickly, you tend to see a pretty large pullback. Even if it's fantastic in ten, twenty, thirty years' time, it'll just be sharp up, sharp declines. The closest thing that you've got to this is your cybersecurity side of things, which is obviously an area to improve when it comes to tech tech and AI. Nope.","start_word":3875,"end_word":4389,"sentiment":"neutral","sentiment_score":-0.04902018688673389},{"text":"But I'm not comfortable throwing in a a tech stocks ETF into your portfolio given where you need to get as much growth in ten years as possible and not risk, you know, two years step back because of a bubble popping.","start_word":4390,"end_word":4431,"sentiment":"negative","sentiment_score":-0.3774508535861969},{"text":"Yeah. Exactly. Yeah. That makes I've got the some question. clients who love the Nasdaq and love the tech stocks, and they're 35 and they wanna they reckon it's gonna go up 10 times, 10,000 times. That's great. That would not be responsible if I put your super Yeah. Exactly. That makes sense. into Yep. that. Yep. That makes Yep. Cool. One other thing to point out was just the asset allocation you asked me before on the percentages. Cool. If you can just swing down two more pages, you'll see like a little cash table because we need to maintain the 1.25% within the hub, and then you've got your pie chart for your asset allocation. The cash table is target rate is 1.25. Okay. Okay. Yep. So reducing the cash component there. Yep. And Yeah. then the That's yeah. fluctuates with all the transactions, contributions, buys and sells. So target weight is 1.25. When I rebalance it, it'll rebalance it, but it also automatically does it. So you will tend to get emails saying cash balance is low, investments that get sold down, contributions go in, and it tops itself back up. But this is basically where your cash balance was sitting when we did the research versus Mhmm. the long term average that we need to maintain. Yeah. Yep. Yep. Okay. Alright. K. For that next table, the easiest way to see underneath that pie chart is it gives you the percentages of your risk profile just as an as an estimate. Mhmm. It gives Mhmm. you where it's sitting at and what we've proposed. The main thing to point out here is obviously a little bit of a reduction in the Australian equities from that 26, 27 to just under 20%. International Yep. is increasing a little bit. Alternatives are increasing a little bit. We're slightly increasing your growth allocation from about 81 to 85 is where this portfolio sits. Okay. International liquid is 55. Okay. Okay. Yep. Yeah. Again, Property 80 zero. to 90 Yep. is your band that it fluctuates between as the markets go up and down. So 85 is pretty much in the middle for a growth investor. Yeah. Okay. Alright. $82.90 is the band, right, for the growth? Yeah. Correct. Alright. Mhmm. Yep. Fixed interest is proposed to 13.83. Yeah. Okay. K. So defensive total, sorry, defensive total is at 20%. It'll go down to 15%, right? Which column is that for? Sorry. So Yes. the last line, defensive total, alternative defensive assets have been reduced to zero. Yes. There's no alternatives in your current portfolio or the proposed. We don't really use alternative defensive assets at the moment. So am I so from a portfolio risk profile perspective, I'm sitting into the sitting in the 80 to 90%. Is that a high risk profile? No. So it's like a four out of five. It's the one below high risk, the one above medium. One below high risk and one above medium. Above above middle. So if you think of a scale of five, you're sitting at a four, and it basically goes in bands of 10%. So 90 to a 100 is high growth, 80 to 90 is growth. That sort of 65 to 75 is Yeah. balanced, 50 is around moderate, and conservative is below 50%. Okay. So if you're in pension phase, you'd probably have about 40 to 45% growth assets. Right. Okay. And you advise staying in the eighty two percent nine 80 to 90% that is in the high growth? No. Yeah. High growth. Right? That's what it is called? No. So 90 to a 100 would be high growth. I advise staying within the 80 to 90. Okay. So you still advise staying between the 80 to 90 and there's no reason for us to look at any more defensive or debt based assets? No. So, basically, in terms of time frame, like we were talking about, you've got that last sort of five to eight years to get as much growth out of it as possible without going excessive with the risk. And then, you know, how we set that benchmark of around about nine to 10%? Anytime that we get returns of twelve, fifteen, 18%, we're gonna use that as an opportunity to slowly reduce risk a little bit quicker. And if Yep. we're above benchmark, we'll reduce it. If we're below benchmark, we'll wait for it to catch back up and just make sure that once you get to the late fifties that you're not still sitting in a, you know, primarily growth focused portfolio. You wanna be sitting slightly lower every two to three years. But it'll basically have to be a twelve month conversation to see whether we should adjust the level of risk. Alright. Okay. Okay. Alright. Give it as it right now. Just bear in mind for one last hurrah, and this will be the biggest risk that you face, is if we were to experience this full stock market crash and economic depression this year or next year, we would almost kind of welcome it for you to happen soon so that you could use it as a buying opportunity with all of your contributions to salary sacrifice and buy as much as you can so that if we get a good five, six year run-in the markets, then you've got your retirement goal ticked, and we can pull you Oh, yeah. That makes out. sense. But then I also have to have a job for that. Right?","start_word":4432,"end_word":5362,"sentiment":"neutral","sentiment_score":0.04212700052909097},{"text":"If there's a market downturn and if it's that drastic, very likely that a lot many people will lose jobs.","start_word":5363,"end_word":5382,"sentiment":"negative","sentiment_score":-0.4180831909179687},{"text":"Yeah. It's like if there's another GFC, it was the greatest buying opportunity, especially for those who maintained an income or capital.","start_word":5383,"end_word":5404,"sentiment":"neutral","sentiment_score":-0.049804359674453735},{"text":"Very, very difficult for a lot of people at that time.","start_word":5405,"end_word":5415,"sentiment":"negative","sentiment_score":-0.4902354180812836},{"text":"I know my parents had to sell homes and things like that.","start_word":5416,"end_word":5427,"sentiment":"neutral","sentiment_score":-0.3230089247226715},{"text":"If there's anything worse than a GFC, Mad Max, World War three nuclear bombs, then the super is gone, and we won't even be able to connect on the phone. So that's probably a risk too far that we can even factor in.","start_word":5428,"end_word":5470,"sentiment":"negative","sentiment_score":-0.4343212842941284},{"text":"But, again, market drops are good buying opportunities if we can get them. My issue for you, Kij, is I don't want it to happen in four years' time Yes.","start_word":5471,"end_word":5500,"sentiment":"neutral","sentiment_score":-0.1677384376525879},{"text":"when it's, like, a really bad sequencing risk. You don't wanna be having it happen when you're, like, four years out from retirement because it's that you're on that middle ground of, oh, I just wanna finish off the last couple of 100,000 of growth, but I also don't wanna lose 200,000 and have to delay retirement by two, three years.","start_word":5501,"end_word":5561,"sentiment":"negative","sentiment_score":-0.3552801012992859},{"text":"Yeah. Exactly. Exactly. Yeah. So it's a pretty it's a serious decade for yourself.","start_word":5562,"end_word":5575,"sentiment":"neutral","sentiment_score":0.2144472897052765},{"text":"I I have a lot of fun with my job in building portfolios and discussions with clients. But at the end of the day, I do take it very seriously that what happens in the next five to ten years is gonna translate to your quality of life. And as long as we can have those discussions throughout the year, we will keep on top of it.","start_word":5576,"end_word":5642,"sentiment":"positive","sentiment_score":0.3815689278182699},{"text":"And whenever something changes in the world, we'll discuss what can be done, what the options are. Yep. Yep. K. Yeah. That pretty much ends the portfolio side of things. There was just one last table for the contribution taxes if you wanted to have a look at that before we switched. Yep. Let's go forward. If you go two more pages, again, apologies for the amount of text on that contribution strategy, Yeah. Just talking about amounts and everything to contribute.","start_word":5643,"end_word":5724,"sentiment":"neutral","sentiment_score":0.11680296063423155},{"text":"That makes a lot of sense.","start_word":5725,"end_word":5730,"sentiment":"positive","sentiment_score":0.3827117085456848},{"text":"I'll I'll go through it more with more focus after the call. But, yeah, Yep. the table does give me the information. Yeah. Yep. Okay. Any questions so far? Nope. Yeah. The table is quite clear. Yep. Okay. Service sacrifice for 13,000 tax saved is around 6,000 or less. And the net income goes down by 8,000. Yep. So Yep. for Go for five it. 38 of fortnight, it'll probably cost you around about a 165 in the pay. On the tax, you mean? In terms of the lost income. So if you put $5.38 before tax, your take home pay will be reduced by about a 164 once all the tax has been included, and then that money goes into super, and then 15% gets taken out of it. So I like to just kind of split it between what's gonna impact your your next pay run versus Mhmm. what's gonna happen inside the super fund. So I'm I'm a little confused when you say per fortnight, I have to pay $5.38 for the super. That is pretax. So my tax liability goes down. I understand that. But Yep. fortnightly, I'm not getting the $500 also. Right? You would be getting less. $5.38. That's $16.05. So if you put $5.38 before tax through the pay, through the salary sacrifice, you would lose $3.73 less in the pay. Okay. Okay.","start_word":5731,"end_word":5960,"sentiment":"neutral","sentiment_score":-0.05041956901550293},{"text":"That is this is something that does not make sense to me.","start_word":5961,"end_word":5972,"sentiment":"negative","sentiment_score":-0.6246370673179626},{"text":"Yep. I I I I know what you mean. It is it is all based on the tax liability that gives me money back because I've saved some money pretax. So the the tax liability is low, but it does take the money out of my fortnightly pay. Right? My fortnightly taxable income in hand. Let's say my fortnightly I'm on paid pay calculator. I've just put in this number, 153286, and my fortnightly pay is 4323. Now if I add the salary Wait. cycle Let me file grab that back up. 424323? yep. 4323. Uh-huh. I get it. I now I understand what you're saying. So 4323 is without the salary sacrifice, point six two, okay, minus. And then if I add the salary sacrifice, my take home is $39.09 1.09. That's $332 reduced. Oh, okay. Yep. And Uh-huh. that's actually where we get our figures from is pay calculator. Yeah. Yeah. Yeah. I'm sure. Yeah. That's like a standard, isn't it? Everyone uses that. Yeah. Yeah. It's Yeah. Yeah. Yeah.","start_word":5973,"end_word":6144,"sentiment":"neutral","sentiment_score":0.021278206172377565},{"text":"It is brilliant.","start_word":6145,"end_word":6147,"sentiment":"positive","sentiment_score":0.5407484769821167},{"text":"Yeah. Yeah. Yeah. So, effectively, I'm putting 500 there, but then my deduction is only 320 300 brilliant. 32. Okay. I Yeah. need to work out on this one with my company because I have a limited lease going on on my salary. Two. Yeah. It's when they switched you over in June, July to fortnightly contributions, your salary sacrifice stopped. Mhmm. Yes. I asked them to stop it because of the cost of living crisis. The investor property is Yeah. bleeding us out with that interest rate, not forget the interest rate, but it's a weekly $1,000 flat. I have to pay for that investment property. So Jeez. yeah. And what has happened is because I had put it on sale and it's not, you know, I we couldn't sell it. I still had to pay I still have to pay my broker the $8,000 for the staging and real estate charges, you know, all of those that jazz that goes on with selling, advertising and everything. Yeah.","start_word":6148,"end_word":6316,"sentiment":"neutral","sentiment_score":-0.11200881749391556},{"text":"So and I don't have any money in my pocket.","start_word":6317,"end_word":6326,"sentiment":"negative","sentiment_score":-0.34263792634010315},{"text":"I had to I lost some money in my investments last year, and Yeah.","start_word":6327,"end_word":6340,"sentiment":"neutral","sentiment_score":-0.25546762347221375},{"text":"it wiped out it wiped out. So it wiped out a lot of money from my pocket.","start_word":6341,"end_word":6357,"sentiment":"negative","sentiment_score":-0.46288251876831055},{"text":"I had some good $30.40 grand that I was thinking that this year I'll pump in in my concessional to recover for the carry forwards on the ATO for Yep. the supers, Yeah.","start_word":6358,"end_word":6390,"sentiment":"neutral","sentiment_score":-0.031952518969774246},{"text":"but I lost all that money. All that money is gone. It's a write off.","start_word":6391,"end_word":6405,"sentiment":"negative","sentiment_score":-0.4843904078006744},{"text":"So Yeah. we decide I remember to you saying sell the even house. the offset account's been depleted as well. Yes. My offset account is now probably worth only $13,000 or something. Yeah. Alright. So I'm I'm holding that 13,000. And out of the rent, I have to pay the broker for the advertising and staging and all those costs. Yeah.","start_word":6406,"end_word":6466,"sentiment":"neutral","sentiment_score":-0.0731263980269432},{"text":"And also the crisis, you know, the it's so expensive now.","start_word":6467,"end_word":6477,"sentiment":"negative","sentiment_score":-0.3441345691680908},{"text":"Everything's moved up. So I've stopped contributing right now temporarily. Once I've paid the broker probably in another month, so by October. By October or November, I will resume my super contributions so that I will have some savings coming from the rent. Currently, the rent is servicing everything. It just Yeah. comes in, the salaries just go out, and the rent just goes out. Well, So to be honest, Kij, if you wanted to just leave that off for the remainder of the year and rebuild your savings, if you started to back up again in the new year, it wouldn't really hurt that much a couple of months. And if it means that much more to have a bit more of a buffer and a rainy Mhmm. day fund, then absolutely do that. Your retirement is not gonna hinge on two, three months of contributions. Yes. Oh, yeah.","start_word":6478,"end_word":6627,"sentiment":"neutral","sentiment_score":-0.032840851694345474},{"text":"Oh, that is definitely helpful, mate.","start_word":6628,"end_word":6633,"sentiment":"positive","sentiment_score":0.48429709672927856},{"text":"Yeah. In fact, for Meenal and myself, Meenal hasn't been contributing to her salary to her salary sacrifice ever before because we've just been, you know, through all of these jazz. So yeah. So if that's possible, and I can stretch it till January, then Meenal and I, you can make a note of it. Meenal and I can start January Yeah. 2027 to start making those salary sacrifices. We'll be in Yep. a better condition with some more savings, you know, at least for a couple of months, I don't know, $1,520,000 in the office. Yeah. Yeah.","start_word":6634,"end_word":6731,"sentiment":"neutral","sentiment_score":0.12312237279755728},{"text":"Look, that gives me a smile, Kitch. I'm gonna put that on the file and look look after yourselves.","start_word":6732,"end_word":6750,"sentiment":"positive","sentiment_score":0.4181562066078186},{"text":"It's not it's not a fun Yeah. position to be in these Yeah. days, Yeah. what's going Yeah. on with the fuel and everything. And it it does feel a lot better to have a bit of savings. Even myself had a similar situation with having to foot the bill for all of the repairs and interest rate increases and the fuel and everything like that, and my savings went down too.","start_word":6751,"end_word":6822,"sentiment":"neutral","sentiment_score":0.0041393861174583435},{"text":"Now that I've built it back up again, I feel a lot safer, a lot more comfortable. My wife is still fine. She goes to Myron.","start_word":6823,"end_word":6848,"sentiment":"positive","sentiment_score":0.4170438051223755},{"text":"There's a discount there and buys the coffee machine, but overall, we're in a much better position. Yes, And, please. look, we spent, I think, eight months pausing all investments and just rebuilding the savings, and it made us feel a lot better. And now if the car breaks, I'm fine, and then investing resumes again. So, again, 100%, Build your savings up, and I will make sure that you still get to the goal regardless.","start_word":6849,"end_word":6924,"sentiment":"neutral","sentiment_score":0.27669939398765564},{"text":"Thank you, mate. That's definitely quite reassuring and very helpful right now.","start_word":6925,"end_word":6936,"sentiment":"positive","sentiment_score":0.6672940254211426},{"text":"Yeah. That's one thing I haven't mentioned just yet is that ten year projection that I was talking about, that Yep. still tracks pretty well for the goal that we were speaking about, Mhmm. which is trying to get about 1,500 a week after tax with the mortgage paid off, Mhmm. you will easily be able to, at the age of 57, produce about a thousand a week from there. There'll be a few last years of getting your last few contributions and growth out of it.","start_word":6937,"end_word":7023,"sentiment":"neutral","sentiment_score":0.24745632708072665},{"text":"So your portion at this point should be able to produce around 1,100, 1,200 a week. And on top of that, the few 100, and you are on track.","start_word":7024,"end_word":7052,"sentiment":"positive","sentiment_score":0.3890135586261749},{"text":"Oh, yeah. Exactly.","start_word":7053,"end_word":7055,"sentiment":"neutral","sentiment_score":0.12698811292648315},{"text":"That will be a relief. Definitely. There's no doubt about it.","start_word":7056,"end_word":7066,"sentiment":"positive","sentiment_score":0.4979619085788727},{"text":"Yeah. Yeah.","start_word":7067,"end_word":7068,"sentiment":"neutral","sentiment_score":0.26829737424850464},{"text":"Cool. Alright. Alright. Happy with that so far? Yes. Very much, Tommy. This is, frankly, has been the best call with you I've had till date. The best call with OP you've had to date.","start_word":7069,"end_word":7103,"sentiment":"positive","sentiment_score":0.4754242300987244},{"text":"I'm I'm Yes.","start_word":7104,"end_word":7106,"sentiment":"neutral","sentiment_score":0.23631389439105988},{"text":"floored. Thank you very much for that.","start_word":7107,"end_word":7113,"sentiment":"positive","sentiment_score":0.6580312848091125},{"text":"Yeah. Yeah. Definitely. I mean, the information that you've put in and the way you've just taken me through all that information has been quite insightful because all our earlier calls with Kyle, and nothing wrong with Kyle Giddings, but all the calls have been he's taken me through those numbers, but I had never seen anything in front of me as a document. I will only get that as a document to sign, and then nothing I mean, nothing made sense because the call was done before when I was not looking at anything. Now you've taken me through the documents, so I know there are touch points that I can go and read and understand more deeply. Yeah. Yeah. I find it a bit better to have the visuals in front of me. I'm a bit of a whiteboard guy myself, and I Yeah. think being able to look onto the tables makes a bit more sense. Oh, 100%. 100%. Makes a lot of difference. Yeah. From there, mate, the rest of that is pretty much just reminders on why you should have updated wills and powers of attorney and everything up to date. I have factored in, of course, the commissions that we still get from Neos, the adviser service fees, if you're comfortable to remain a client for the time being, and implementation is very straightforward. If you can consent to this document once you've had a read and you're comfortable on a Friday, we do buy sell orders and can switch the investments Yes, please. Alright. So I have to sign it and send it to you now? for you. Yeah. You can take some time to read it. You don't have to send it to me today. You can do it tomorrow if you like. Oh, yeah? I have included the ongoing consent form with Hub, though, because it's expired with us. So I just need to make sure you're comfortable with our fees of the 1.1%, and the rest of those documents do not require signatures. They're just to keep on file. So if you haven't used this new system before, the statement of advice has a consent form to sign. The consent with hub twenty four has a signature. The rest of them, they get emailed to you as an attachment to keep, and that's like your certificate of insurance, the hub documents, the product disclosure documents. But, yes, once you're comfortable and we receive the document back signed, we'll put you in for the next investment Okay. So for the emails, I just have one email right now from your side that says signature request, switch. Yep. the the document that you've taken me through. I went to the rest of the document, but I do not see a consent form for hub 24 there in that in any of those pages below. It'll Yes. be So a different document, isn't the part that I'm not a 100% on is it? when you get to the bottom of it, it'll probably have, like, a begin button to start signing the statement of advice, but there should be a button there to say next document or even little arrows to flick between them to actually skip between each of the documents. Okay. Oh, yeah. Yeah. Yeah. There's one of eight, which means there's an okay statement of advice. Yep. And the next one is Of like 20 a four. Oh, a yeah. forest Yeah. looking picture. That's the appendix with the research in there with the other projection with no contributions in. Yep. That's 20 the four. also called Yeah. the statement of advice. Sorry. It's got a bit Then of a gray text above it for the appendix, but it says statement of advice, appendix two in very faint gray text. Apologies yeah. for that. I paid to the Bendix two. Yeah. Yeah. Yeah. Yeah. Cool. And, And half yeah, so 20 that's that four. lets you skip around. Yeah. Okay. So the first document is to be signed. The third document is to be signed. Neos protection. Okay. That's all information.","start_word":7114,"end_word":7804,"sentiment":"neutral","sentiment_score":0.053622653753686744},{"text":"Fine.","start_word":7805,"end_word":7805,"sentiment":"positive","sentiment_score":0.3718389570713043},{"text":"Alright. I'll go through them, and I'll do whatever is required. I think page numb document number five also requires a signature. No. It's just additional information. Alright. Correct.","start_word":7806,"end_word":7834,"sentiment":"neutral","sentiment_score":0.07433251291513443},{"text":"Cool. Cool. Cool.","start_word":7835,"end_word":7837,"sentiment":"positive","sentiment_score":0.3971540331840515},{"text":"Cool. Up 24. Product disclosure statement. Yep. Alright, mate. Tommy, I have everything I need. I'll Yep. just read through the first couple of documents. Not that it makes a lot of sense to me, but at least if it if something does not, then at least I can ask. That's why. Yeah. Yeah. Yeah. You can always just call up and ask a question, email, text, and we can go through any questions you have before we we touch anything. Yep. Just bear in mind, it does expire, the statements of advice. We can't have something signed nine months later kind of thing and actually implement it. So just bear in mind of an expiry on there. It's usually sixty days from the date of the document. And outside of that, I've got some notes in there to have a bit of a catch up with your next policy anniversary for the insurance, a bit of a New Year's catch up to see how the markets and portfolio have behaved. Yep. We have sort of touched on retirement goals and so on, and I can see that Minal's rollover has come through. So all of her advice has been implemented. We'll hold off on the contributions. Is there anything else that I can kind of help with, like, before Christmas time that I need to be aware of or let the team Just the thing know? with meals, yes, if it is rolled over, then are the investments correct, just like we've gone through for mine today? Just a review on your side and if everything looks fine, yes, just a message or an email stating that everything is okay, no change is required or something was resolved. Yep.","start_word":7838,"end_word":8127,"sentiment":"neutral","sentiment_score":0.09658817946910858},{"text":"Yes, so sooner the better just because now that we've started and I believe from the last conversation, you also did mention that it will be good for you to look at Nynal's portfolio as well.","start_word":8128,"end_word":8163,"sentiment":"positive","sentiment_score":0.3399394154548645},{"text":"So that Yeah.","start_word":8164,"end_word":8166,"sentiment":"neutral","sentiment_score":0.10050321370363235},{"text":"the advice that you give kind of is a wholesome advice for the couple kind of thing. Yeah.","start_word":8167,"end_word":8184,"sentiment":"positive","sentiment_score":0.5840660333633423},{"text":"So, yes, so if you can follow-up on that just that part and have that resolved now. Once I sign these off, I know that these investments will roll over to the new ones Yep. this Friday, like you said, So and the other part remains as minerals. That's it. Once we are on that part, then we are on autopilot.","start_word":8185,"end_word":8245,"sentiment":"neutral","sentiment_score":0.1674080789089203},{"text":"Basically, perfect. just review touch points whenever. Yeah. I'm having a look at her portfolio at the moment, and everything looks new, up to date, quality.","start_word":8246,"end_word":8271,"sentiment":"positive","sentiment_score":0.40040743350982666},{"text":"There's only just that term deposit option there that I may need to switch out in the new year, but everything else looks pretty good. No And the Ben term and Loan. deposit No is property. the same term because it's just like mine? Or Yeah. It's just that the bank hybrids is the only Dubai one that Hybrid. I can see. Yeah. Yeah. Hopefully, it's not a lot of money invested there. No. It's only about 8,000 in that one. And one of the things that's gonna happen is they've got an automatic rollover set that it will kind of switch out Yep. in January to sort of a different rating, Uh-huh. a safer rating, but I'll have to keep an eye on possibly switching that one out with the same option that Yep. you've Alright. Have a got. look. And, Cool. yeah, if you need to have a call with her, just so you know, we're traveling overseas for a family emergency, this Friday, and Yep. we'll be back only on the October 8. We'll be gone for about two and a half weeks K. or So a little what I'll past do, week. I'll pencil on to the team mid October just to reach out to schedule a brief booking in, and then I can go through any updated touch points with yourself and get a bit of a Yeah. Sure. Yeah. Probably the next call can be together with Mino and me. And we talk about Mino's investments and just an overview of what just like we've done today for myself so that she's also aware of it. And she usually goes through those calls, but then prefers that even I have a second she prefers a second set of files. So, yeah, just that that is the only action that I would probably think after another three or four weeks from now because Perfect. we are traveling. Yeah. Alright. I'll let Michelle know to wait until you get back and then schedule that in Yeah. for both of you guys. Yeah.","start_word":8272,"end_word":8617,"sentiment":"neutral","sentiment_score":0.08071577955963295},{"text":"Alrighty. Alright. I'll leave that email with you, mate, but it's been an absolute pleasure. I told you my last call today would be great, and I was looking forward to it. It's always a pleasure, my friend. Yes. Thank you very much. I appreciate your patience, Ray. It's 07:00.","start_word":8618,"end_word":8667,"sentiment":"positive","sentiment_score":0.676995575428009},{"text":"I didn't mean to hold you off to such a long time. No. I finish in three minutes, so I'm gonna go see the kids, play Yeah.","start_word":8668,"end_word":8694,"sentiment":"neutral","sentiment_score":0.17083044350147247},{"text":"some games, and thank you so much for your time. Likewise, mate. Likewise. Have a good night. You too, kids. Cheers. Cheers, mate.","start_word":8695,"end_word":8717,"sentiment":"positive","sentiment_score":0.5725888013839722},{"text":"Bye. Bye.","start_word":8718,"end_word":8719,"sentiment":"neutral","sentiment_score":0.22828726470470428}],"average":{"sentiment":"neutral","sentiment_score":0.051939734129480726}}}}