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Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? No. That's okay. Yeah. Yep. No. No. I'm not. Yep. Great. Perfect. That's exactly what I have here. And how's your morning been? Been busy? Yeah. You you guys going somewhere or just having some time off? Yeah. Oh, beautiful. How long are you going for? Oh, nice. Yeah. Beautiful. Well, I will try not to keep you for too long today. But before I kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review or any areas you would like me to focus a little bit more on or just a bit of a catch up? Yep. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Oh, yes. Yeah. The main thing. Yeah. Great. Perfect. Now I'll make a little note of that. And then before we kind of jump in through more in-depth about your superannuation, the last twelve months contributions, and stuff like that, I do wanna quickly just run through a bit of an updated fact find with you just to make sure I have all the up to date information, and then we can incorporate all of that if we do need to make any changes through any of the advice and stuff like that. So bear with me as I kind of go through these questions. And now when it comes to your personal situation, I have you here as married. Still the case? Yep. Do you have any financial dependents? No. Now I don't have a next of kin on file. So in the event that I can't contact you, who would you like to nominate? Yep. Yep. Perfect. And just their name, please? Yep. No. Just first and last is perfect. Eight o perfect. Best contact number? Zero zero. Yep. Double nine. Yep. 41. Great. Perfect. Thank you so much for that. Employment wise, has anything changed in the last twelve months or still you know, working as an engineer full time? Yep. Perfect. Company and everything like that as well. Yep. Perfect. Now I do have you here as income of around 220,000. Is that the case? Okay. And then do you get a new year on top of that? Yeah. Sure. Yep. No. That's alright. Mhmm. Yep. Perfect. True 32. Yep. Perfect. 46. And mhmm. Yeah. Yep. Yes. Been a bit of bit of fluctuations the last twelve months. Yeah. Yep. Alright. Perfect. Now with the different splits so, obviously, when it comes to contributions, that that is very important. So do you know if you get contributions paid on your bonus? Yes. Yes. Yes. Yes. And most of the time, that is the case. Like, it can vary a little bit, but most of the time, people get contributions on top of their bonus. Over time, no. So if you think you do get contributions on the bonus, that is typically what most employers will do. So if I just look at your bonus and your base, that's about 278. Now do you know they just pay you the standard 12% contribution? Yep. Half. The minimum. Yep. Now that takes you over the concessional contribution cap. So, basically, do you know if your employer goes over the cap or not? So from the employer's point of view, legally, you only have to pay up to 30,000. If your income is higher, you don't have to pay more. Some employers still pay on the full amount, so irrespective of how much you got over the cap. It will mean a little bit different from a tax point of view, but they still pay it. Some employers stop at 30,000. Do you know what your employer does? No. No. That's okay. I might take your yeah. If you could, just especially if we're looking at doing some advice and stuff for you, it is important because that changes the numbers and stuff. So if you could find out for me, that would be great. So, yeah, basically, Do you want me to send you an email about it and you can just yeah. So that is okay. I can definitely do that. Perfect. Sorry. Aside from over the employer contributions, I know that you spoke to my colleague, Dana, last year and went through some advice and at the time looking at establishing a salary sacrifice arrangement. Did you end up doing some of that? Because that obviously would take you even further above the the cap space. Mhmm. Yep. Yep. Yep. Okay. Yes. It's 30. Yes. 30 thousand. Yeah. Yes. Yes. Yes. Yeah. Because the way with, obviously, like, salary sacrifice or if you're wanting to do extra contributions, there are obviously different ways you can do it. Now you mentioned as well that you wanted to potentially utilize some unused cap space in previous years. Is that basic because you would like to boost your superannuation, or what kind of, I guess, reasoning for that? Mhmm. Mhmm. Yep. Yep. Yes. Yes. That is correct. Yes. Sorry. You definitely can do that. Why you would do it is more so like, you definitely can do it. And if I guess depends on where your other goals are. So often people will be like, okay. Well, I want to use unused cap space. And sometimes it's if you've sold an investment property, you wanna bring down, you know, CGT by making contributions into super and stuff like that. That's sometimes why we do those strategies. Other times, it's just because you have excess cash flow and you would like to put it into super so that you obviously compound and have more by the time you retire. So I guess the the reason for why you want to do it, you definitely can if you have unused cap space. Is there any particular reasoning why you would like to do it, or is it just that you guys have, you know, enough cash put aside that you would like to utilize some of it in a tax effective manner by still boosting your super essentially? Yep. Your letter. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Perfect. So what I might get you to do as well, just so I can then run the numbers and stuff like that for you, is to find your unused cap space, you can do you have access to myGov? Yeah. Alright. Perfect. Mhmm. Mhmm. Yeah. Okay. So because, obviously, it could obviously change with if you did go over the cap last financial year. Because when you spoke to Dana, it was in July. So it would be in this financial year depending on when when you guys did everything. But what I might get in the email when it comes to the contributions, I will just put again, just in case you can't find the email for the information, steps on how to just find it on myGov. It's very easy on the app. And if you take a screenshot of your unused cap space and forward that to me, then I can use that as and to see as well how much we can utilize. Now if do you would you like to utilize all of the cap space, or do you have a certain amount that you would be like, oh, okay. Well, if there's, you know, 10,000 unused, then I'm happy to use that. Like, do you have a figure amount of how much you would want to put in, or would you just wanna maximize it? Okay. How much? Mhmm. Yep. Yep. So base yeah. Yep. Yep. Yeah. Well well, basically, it's like the the downside with doing it is that you don't have access to that money anymore. So by putting a big lump sum into superannuation, it's locked in onto your immediate condition of relief. So for example, turning 60 and retiring. That is the biggest downside is you don't have access to those money anymore. And if you need it for any particular reason, you might not get access to it. So that is the biggest kind of flag for people. Aside from that is the more you put in because it is in a in a tax effective environment. So contributions going into the if you are under cap space or using unused cap space from previous years, it's only taxed at 15%. Now, obviously, with your income being quite high, you will be taxed a lot. So you can then utilize that difference in the tax brackets to get a little bit back by putting more interest super. So it is a very tax effective way. But, obviously, aside from that, the benefit is you will have more interest superannuation as well, which will obviously compound and invest. So if you obviously have to pay yes. Sorry, Alan. You go. Yeah. Okay. Yep. Yep. Great. Yeah. Yeah. Perfect. Alright. So what I'll do is, obviously, after the call today, when we've kind of I'll put together a new recommendation for you. I will send you an email with the documents that I need just to finalize all of that. Obviously, take your time and send that back. And part of it is actually putting in the new statement of advice. And it'll go through in detail, you know, all the advantages and everything. We've kind of touched on the most ones of what it will look like, how much tax saving, and how we will do to your suit. And that would give us a clearer picture. Now you also mentioned your wife. So has she what's her situate situation like at the moment? Mhmm. Yep. Mhmm. Mhmm. Yep. Yeah. Do you know because there are different ways you can put contributions into superannuation. Now, typically, what I would like to do as well is if we are looking to do anything in regards to her superannuation, I would like to do a bit more of kind of in-depth research in her situation as well. Because if I say to you, okay. Will you put x amount into her superannuation? If I don't have a full, you know, picture and research on her account, then that might impact her. So typically speaking, we would look to see if she would be interested in coming on board as a client depending on how much she would like to to do. Would that be something she would be always been through exploring, like, doing some research and stuff, or what's her kind of situation like? Or is it literally just superannuation? Yeah. Mhmm. Yep. Yes. Definitely. Yep. Yep. Yep. Yes. And does she have any, like, intention going back full time? Or no. No. That's okay. Do you know roughly how much she would have in super by any chance? Like, a rough estimate? Okay. Okay. One fifty. Yep. Okay. Perfect. That's good. Now my what I might do is just to get a bit more in-depth research on her situation. Now if it is that we just look at exploring everything in regards to her superannuation, we can definitely just do that. And, again, it's it's a free review where we can review her situation where things are at. Now if it then is that we can't help her anymore, at least I have the research so then I can look at, okay. Well, if we do contributions for you, how will that impact her? So it it is a little bit of a process, but then that that way, we can get the best outcome for both of you. Because when it comes through the spousal contributions, there is two different ways you can do it. Now I'm not sure if you kinda went through that with Dana, but you have spousal contribution, which is where you, the partner, would contribute directly into your spouse's account. Now that is kind of after tax money. But, basically, how that works is that you can get a or she could get a tax offset of up to $540 if she earns the lowest threshold. So I know you said she'll get some income here and there, so that's very really good for me to kind of get more understanding because if she's above the threshold, then I wouldn't even explore that option. Otherwise, contribution splitting is where you utilize some of your contribution and give that to her. So you don't put more in, but you utilize some of your contribution. So whether that be salary sacrifice or your employer contribution, and then put that into her. So there's a bit of different ways I can do it, but to make sure that we do it in the most tax effective way, especially if you do have a little bit of leeway with you can make extra contributions if that will give her more at the end of it. I think kind of exploring, doing research for her anyway and seeing what her goals are as well would be very beneficial for both of you. Now when would she and you're more than welcome to be on the call if you would like or, obviously, if you please say it, that's fine. When would she be open through a a phone call to kind of go through that? Or would you like to mhmm. Yep. Yes. That's okay. What you can even do, if you would like, is I'll send you an email with the documents that I need, and we can definitely especially with you going away on holiday, I understand that this might not be a priority right now. You you respond to me with the documents when you have a moment. And then also in that email, if you wanna respond when she would be available, once you kind of sorted out time frames, then I can kind of tee that up with the team, and then we can do kind of everything together. And I can potentially even do, like, a joint strategy for both of you where we go through everything together. Would that does that sound that yep. Yep. Yep. Yep. Yep. Mhmm. Twelve seventy. Okay. Perfect. I will kind of pencil that in a little bit with the team, and then, yeah, confirm with her as well when what time is that day works, and we can kind of, you know, touch base and see all of that. Now if it is that I look at contribution splitting, that obviously will impact your superannuation as well. On a joint kind of goals for you, the reason why you want to do it is to kind of help her as well, and you understand that that might mean that as a result, you will have a little bit less in your superannuation? Yep. Yep. Yep. Perfect. Do you have any max amounts that you would want to give to her or anything like that, or is it just whatever is going through help both of you? Nope. Nope. That's okay. Yeah. No worries. That's it. And it is a lot, and it can be quite quite convoluted as well the more you go down it. Even have a think about it, and, again, I can pop it in the email. Obviously, have a think about it, and I will still run the numbers anyway to make sure it makes sense. But as a bit of a guide because you can do up to 85%. But that might not mean that we want to do everything because, again, that will obviously impact you whether if there is an amount that you go, okay. Well, I would be open to doing 10 or 15 or whatever it is if that math works out. Then at least that gives me a bit of an indication of how to do it if that makes sense. Alright. Perfect. Now while we are kind of talking about this, let me see if there was anything else. No. Okay. Yep. That was everything with the contribution wise. Assets and liabilities. So I have here your property was lost side at about 1,000,000. About that. Perfect. Now I do have here that you had 448 on the mortgage, but in the offset, there was 443. That sounds about right? Yeah. Yeah. Yeah. That would be good. Perfect. Now, otherwise, I have here investment portfolio around 54,000. Yeah? Oh, wow. Perfect. $1.90. I want it. Perfect. I can always send you this in the email as well, and you can just confirm the figure. That's no problem. Do you also have the motor vehicle by that about fifteen? Yep. Perfect. Any other assets in the last twelve months? Nope. Perfect. Any other liabilities, like personal loans, credit cards, tip pay? Nope. Perfect. Now health and lifestyle wise, I have you down here as a nonsmooth gap with not really taking any, you know, medication or anything like that. Is that correct? Yep. Perfect. And now do you have private health insurance? Perfect. And that is hospital as well as extras? Or yep. Perfect. That's good. Especially with your income as well. You don't wanna pay the additional medical levy by not having hospitals, so that's great. When it comes to estate planning, do you have a will in place? No? That's okay. Do you have anyone who makes any financial decisions for you or power of attorney? Alright. Perfect. And are you politically exposed at all, involved in politics directly? Alright. Perfect. And are you a tax resident in any foreign jurisdiction? No. Great. Perfect. Now when it kind of comes to goals and other things that you want to work on aside on what, obviously, the contributions and stuff like that, like, we've spoken about, Do you have any other financial or nonfinancial goals that you are working towards? Not really. No. No. Yeah. Not directly. Because I have here no. Because I have here that last time as a kind of medium term goal for three to five years was potentially looking at an investment property. Is that still kind of on the card or not really anymore? Mhmm. Yes. Yep. Yes. Yes. Just equity and other things. Yep. Yeah. For now, no. No. No. That's good. Otherwise, I had here that when you spoke to Dana, you were basically had a holiday planned in 2024. Obviously, holiday coming up soon. You were doing some bathroom renovations and, otherwise, just kind of focusing on putting more money into the savings for the share portfolio. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. That's perfect. No. That's still that's still really gold. And and, again, kind of with your financial situation, you are in a very good position already and, obviously, compounding and still plenty of time until retirement, you know, to tryna get close as close to that as possible. So I guess talking about retirement or, like, more so your superannuation goal is that I have that ideally, you wanna retire at the age of 60? Yep. And an ideal income per week of a thousand dollars per week. Do you feel like a thousand dollars would be sufficient, or do you think that you would like to draw a higher income per week Ideally. Mhmm. Yes. Okay. Yep. Should we do them? Yep. Okay. Yes. Right. Yep. And that's honestly what most people say. Again, it's kind of like you're touching. It does depends on how extravagant you want your retirement and your goals, but most people aim of around a thousand. Some go up to 2,000, again, depending on their lifestyle. So you you sit pretty much in, you know, that that average at least in terms of what you want and want that to look like. Alright. Perfect. So the other thing I do quickly wanna run through with you is just an updated risk profile questionnaire. Now that kind of goes hand in hand as well with reviewing, obviously, contributions and stuff like that if we need to make any changes to your risk profile. Now some of the questions can be a bit tricky. It's all multiple choice to make it nice and easy. If it doesn't make sense, just let me know. Perfect. Now the the first question here is in regards to inflation. So, basically, how much risk are you willing to take in order to make sure thinking about superannuation in this instance, in order to make sure that you stay on top of, obviously, the rising of prices, would you say that you are willing to accept very high risk, thinking long term, high, medium, or a small amount of risk? The growth? Yep. Perfect. So would you say very high or just kind of high? Like, a bit more than moderate but high? Very high. Yeah. Perfect. You do have plenty of time until retirement. You're trying to utilize the time frame. Sorry. Let me see here. Perfect. Now the next question is in regards to volatility. So kind of like you touched on a little bit as well. Obviously, things are and can fluctuate a bit with investment. Now if you placed an an investment and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So it's not like one particular investment that's gone bad or anything like that, just the market as a whole, which, obviously, we have seen a little bit recently, bit of those fluctuations. Would you invest more money to try to take advantage of while the prices are down? Would you hold, wait to see what happens? Or would you want to sell out and shift to a more secure asset? So that means you are obviously selling when the prices have dropped. Invest more? Perfect. And if you had the option to do so, would you invest heavily or just a little bit? Quite heavily? Perfect. Now next one here is kind of in regards to fluctuations again. So if you obviously saw any of your personal investments or superannuation or anything like that drop in value, Would you say that that would make you feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, concerned, or highly anxious? The quest yeah. Of course. So if you kind of notice any of your investments, so whether that is your personal investments or the company shares or your superannuation drop, would you say that if you notice it, you would feel, you know, optimistic about potential opportunities, what that might mean, or a bit more kind of neutral, or would you say that it would make you feel quite concerned and anxious? Yep. Like, yes. No. That makes sense. Yeah. Yep. Yeah. Yep. Yep. Yeah. Okay. So maybe more towards the neutral way if you had to kind of And the last one here is, would you ever consider taking out a loan or borrow money to invest in stocks or funds? No. Would you ever borrow for an investment property? I know you said you're not really too keen on investment property right now, but if you wanted to go down the investment property, would you feel okay to borrow money, or would you just use, like, savings and stuff? Yep. Yep. Yep. Yeah. And and most people are the same, honestly. Yep. Yep. And then it's tax deductible. If it's an investment property, it's tax deductible for you as well. Sorry. The the loan, you do kind of, yes, you have the loan, but it is tax deductible, the interest as well. So it is kind of that that principal as well. Alright. Perfect. Now that tells me here, Alan, that you have come out as a high growth investor. And at the moment, we have you in a growth portfolio. Do you know the difference between those two at all? Alright. So they're both fairly similar in that you are looking at getting as much growth as you possibly can out of superannuation while you do have the time. You are kind of prepared to experience, you know, some levels of fluctuation in order to achieve that growth. Now, typically, the difference between them is that they're kind of one step from each other on the scale. So in your growth portfolio, so how you are currently invested, we typically see 80% of the money invested in your growth assets. So that will be your Australian shares, international shares, kind of property and commodities, which is what's going to kind of maximize that growth for you, and about 20% goes in their defensive investment. So that will be your fixed interest, cash. Gold can kind of be a bit in between as well. Now your high growth is then 90%. So it's about a 10% difference. So 90 in growth, 10 in defensive. Obviously, if we're looking at long term in a high growth portfolio, typically, you see a little bit more fluctuations and volatility than your growth portfolio. But in the long term, you will, you know, see potentially higher returns. Now when we are looking at a time frame as well, so making sure you have enough time in the market to withstand those fluctuations, in a high growth portfolio, we want to allow at least eight years on your retirement, growth, six years. So you certainly have the time behind you to be in a high growth portfolio, but it's also what you are comfortable with. So do you feel like you are comfortable with the growth where you are at, or would you like to look at increasing it up through a high growth portfolio, or what are your kind of initial thoughts? High growth? Yep. Perfect. Now, again, I will do all the research for you. So I will research all of it to see if there's any, you know, capital gains associated with making this switch, what the fees and returns and everything like that would look like, presented to you, and then, obviously, you can let me know kind of how how you feel about it before doing any changes. Perfect. So kind of talking about your superannuation. Do you have access to your emails at the moment, Alan, or not really? Yeah. Okay. Amazing. I have just sent you an email with some documents to go through. Did that one come through okay? Yeah. Perfect. Now we have recently changed the software, so they might look a little bit different to what you were used to. But, essentially, before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email. Can you see them? Yep. Perfect. Now which one is first for you? And we can do it that way to make it easier. Yep. Yep. Perfect. So at the bottom two, I'll let you have a read over in your own time. It is just an updated financial services guide, one of those compliance documents, but it gives you all the information about the team, our advisers, our directors, everything in there for you. We've had a bit of an extension to the team, which is great, a bit of revamp in marketing. So you would have seen this before. It's just a bit of an updated version. So I'll let you have a read over that. As you do, you will also see there's a photo of all the advisers, so you will see myself in there and also then Dana who you spoke to last year if you wanna put a a face to the employee. Otherwise, if you wanna open that, it's super insurance summary for me. Alright. Perfect. Now that shows you kind of your current situation. So you'll have 24 accounts. You do have about $261,711 in there. And then underneath that, you have your insurances. So with your insurances, you have them with Pell. You have a life and TPD of $593,745. Now when we just look at your life and TPD, are you happy with those amounts, or what are your thoughts in regards through the insurances? Yep. Perfect. Now the other one is in your income protection. So income protection is obviously if you, are temporarily unable to work and can cover you for a monthly benefit. Now your monthly benefit is 6,976. And, typically, you can have, 70% of your income covered. So because your income has increased, quite a bit from when we took out the policy, which is fantastic, it does mean that there is a little bit of a gap. Now if something were to happen to you, would you be comfortable with the level of cover you have at the moment? Like, do you think that would meet your like, what you need? Yep. Perfect. Yep. Perfect. We're happy to leave it as is. Yep. Perfect. Now you have a thirteen week waiting period, four year benefit period. Everything comes out of superannuation. And because you are pretty low risk, which is great, it's pretty cheap for you. So it's only about $821 per year for all those rates. Now with, obviously, insurance as well, I can see that you don't have trauma insurance. I know I think you spoke to my colleague, Dana, last year, and it because it's an out of pocket expense, it wasn't really something you're interested in. Just confirming that's still the case. Yeah. Great. Now what's the next attachment you can see there, Alan? Yes. Perfect. If you wanna open this one for me. Now this one here shows you an overview of your portfolio. So this is kind of a little bit more in-depth in regards to your portfolio. It can look a little bit messy, but because you are pretty across investments, it probably makes more sense to you, which is great. Essentially, you have, obviously, all your individual investments, how they have performed, and where they're sitting at at the moment in a twelve month period. Now all the internal rate of return, that's all the net of all fees as well. So it shows you the net of everything. Now if you look on page two, for example, for me, you will see the total portfolio. So yep. Perfect. Now if you look on the second column to the right, that tells you that overall, in the last twelve months, after fees, obviously, despite the the fluctuations we've had in the last twelve months, your portfolio has still gone up by 10.16%, which is actually really good given what's kind of going on in the market. Mhmm. Now as you scroll up, you will then see the individual investments and how they've done. So you can see here that the two in brackets are down. The others are positive. Now when we look at that as well and when we look at the one that says hack, so the beta shares global cybersecurity, That one is a bit more it's one of your satellite investments, so the goal is to try to maximize growth. It can be a little bit more volatile depending on what is going on in the market, and we've obviously seen a bit of a shift with AI and everything like that. So we still see opportunities in this space. It's not something we're too concerned about, and it is it is more of like your cyclical investment. The other one, though, is the Benelon Australian equity. We've done a lot of sorry. Do you are you quite familiar with, like, the difference between managed funds and ETFs and direct shares and stuff like that? But no. That's true. I'll just run it through sim very, very simplified and short for you. But, essentially, direct shares, pretty simple. You invest directly into a particular company. So let's say, obviously, BHP, you wanna invest directly in them, that's your direct share. Now let's say you wanna invest in the oil industry as a whole, but not into one particular investment. So this is where your ETF or exchange traded fund comes in very handy. How the ETFs work is that they basically track an index. Now you have different ones. So for example, your IVV, iShares S and P 500. The way that this one works, which you may have heard of, basically just tracks the 500 largest companies in The US. So as a company gets bigger, gets into that 500, it gets added to the investment, a smaller company comes out. So you don't need as much of that kind of active management because you are following a particular index or trend or whatever it might be for those investments. So these are manager. So your managed funds are a little bit different in that you have a fund manager who actively buys and sells different investments in order to try to outperform the market. Now depending on who the fund manager is, they would have different styles of investments that they're focusing on, and depending on which one it is, there's different targets and stuff like that. They tend to have a bit smaller, I guess, companies in the portfolio, but it does depend on on which one. And it is more of the active buying and selling individual shares that they think are going to be good for different metrics. So it works a little bit differently. Does that make sense? Yeah. Perfect. So with the Benelon Australian Equities, that is one of your managed fund, and that's the one that is down at the moment. Now when that was added to your portfolio, when you came on board and up until quite recently, they've done really well. They were one of the best performing one, and they did exactly that. They outperformed, and they were doing really well. That's not to say it's always going to be the case, especially at different trends and stuff do change. So we've done quite a lot of in-depth research recently in Bennelong, and we are looking at potentially swapping that one out. The reason is that if they are underperforming a little bit now and they have been a little bit slower in actually making those choices and some of their conviction haven't actually played out, there there might not be a reason to keep it in the portfolio if we can swap it for something that's going to do better for you. So if you are happy for me to do so as part of, obviously, when I am reviewing your your high growth portfolio as well as, you know, the contributions and everything like that, I would like to look at a potential option to swap that out for you to make sure that we always have you in the best position and that we can obviously improve the returns and performance and everything like that. Are you happy for me to kind of do a bit more in-depth in regards to that? Yeah. Great. Perfect. And even though you have been along in the portfolio, like we said, we have kind of underperformed, All your other investments have done done well. You can even see the beta shares agriculture that's up by 42%. So that's also why your portfolio is structured with the diversification so they kind of work and negating each other where it's, like, some areas might do really well, other ones not, and they kind of obviously work in that tandem. So despite that, you still have gone up that 10.16%, which is great. Yeah. Perfect. Now when we are talking about super as well, I do wanted to check. I'm not sure do you read our newsletters every now and then or not really? Yes. No. That's okay. Most people are the same. So the reason I do ask is that in our native latest newsletter, we we put some information in regards to that we have recently teamed up with BlackRock, which you may have heard of, and created our own SMA, so a self managed account alongside that. Is that are you familiar what an SMA is? No. So most people think of a SMSF, which is different. So not self managed super fund, a self managed account. Basically, how that works if I compare it to your current portfolio, so your current portfolio will be more your model portfolio that we'd see. Now if I want to go and make a change, so for example, we would obviously have to go and do all the research for you, put together a proposal, present it through you. You would have to agree to the change before we can make a change. So you would obviously have full control of of the changes, but it also means that it is a little bit delayed sometimes because it takes a process to obviously do the research by the time where you're available, go through the changes for you to approve it. With the SMA, how it works is you just invest kind of in a portfolio. So think similar to to Benelon in a way, but, obviously, different where you are just invested in one investment option. You don't actually see fully all the individual investment. And it's how it works is that we can then easily swap and change the investment. So if, for example, we had the IHS S and P 500 in the portfolio and we foresee that it's not going to be or something's going to happen and it's not going to be the best, we can quickly make a change without you having to have the SOA and approve the change. We can do it in the back end. We can still let you know of all the changes, of course, but it just takes away that kind of compliance process, and it makes it quicker. If you mhmm. Yes. It's correct. But in order for us to make a change, we would have to present it in an SOA. We can't go and change and and it like, I can't go and change an investment without doing the SOA and you approving the change. But, yes, otherwise, it's exactly the same. And the estimate are constructed of your low cost ETFs and stuff. It's just a different way. The the benefit of it as well is that we can make the changes quicker because we don't need to do the SOA process. Some people are quite happy to look at that as part of a research process to see, well, if it's going to be, you know, more competitive for me, I am comfortable with that approach. Some people go, no. I want I'm I'm okay for it to take a little bit forward if we need to make a change. I would like the the SOA and to approve the change before it happens. How do you feel? So yeah. No. So everything would be in the SMA. So all your investments at the moment would be so you would be in the SMA. And then in the SMA, you still have a range of different investments. Spend along is not part of it, but you have a range of different investments. So for your end, like, if we do an SOA, you would see that, let's say, you have you invested in the SMA called Bloom, for example. So you would just see that you're in a option. Now if we were to go and change it, when you actually go into Hub twenty four, you can still click on it, and you can still see all the underlying investments. So it's still there for you. The the premise is that we can quickly make the changes because you are not invested in that directly into each investment. You would just invest it in the portfolio. But, again, it is completely up to what you are comfortable with. Some people think it's it's fantastic, and some people prefer the other way. And, also, even if it is something you are comfortable with, I still have to do the research and prove it's in your best interest regardless. It's just whether you are comfortable with the approach. Yeah. Yes. Okay. Mhmm. Correct. That is correct. Yes. Yep. Yeah. Yep. It feels good. Okay. Okay. What I'll do is I'll include it as part of my research. Now like I said, I need to do research on all the options out there and whichever puts you in the best position. So whether that is, you know, tax fees, performance, everything like that, I will make a recommendation, present it to you. Now if that turns out to be the estimate, the SOA has a lot more information in regards to the SMA as well that we can go through. And what I can also do is when I send you the email with the stuff we have what kind of discussed already, I could include some brochures in regards to the estimate so that you can also read up a little bit about it if you would like. But if I do the research, it might not be the best option. So it depends on your individual situation and your goals, but at least I can include it as part of the research. And if it is very competitive for you, then I can recommend it. Again, what I do recommend is just a suggestion at the end of the day. So if I if it turns out that it's going to put you in a better position, I know I recommend it, and we go through it and you go, you know what? I changed my mind. I don't like it. We don't have to do it. But at least I can kind of, you know, present everything through you. So I'll at least consider it in part of the research, and then we can take it from there. Yep. Perfect. Now we're almost at the end because I know you have a busy day, but you will see your TAL COC. Don't need to open it now, but that's just your towel insurances. It just goes through them in a little bit more information, basically, just lets you know that's paid and up to date. And then you will have a Vanguard index chart. Now you might be familiar with this or seen it before. It's just a good visual representation. It's sometimes easier if people don't have a lot of understanding of the the market and how things do fluctuate to kind of visualize it. The other thing or the last thing I should say is when you do, you know, click on the link. So if you are comfortable, obviously, if you, when you have a moment, want to click the link where it says sign now, it will ask you to sign through documents. Now one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client. So no changes in regards to the ongoing advice fee. It stays exactly the same at 1.65% ongoing, but it basically just lets us service your account and everything like that. No lock in contract, though. So if at any point in time you are not happy with the service, no lock in contract. But, otherwise, this just lets us service everything on your end otherwise. And the last one is just a tax file number opt in form, which is just a compliance form to say that we are keeping your tax file number secure and safe on the file. Do you have any questions in regards through any of that? I know that's probably a lot. No? Yeah. Great. Perfect. So, basically, from here is, take a moment and have a read through the document. Any questions, let me know. If not, if you're comfortable to do so, we'll just need you to sign those documents. That will come through on our end, and I'll let the team know to process that. I will also send you that email. Now I will try to do it today, but I'm quite back to back all day, so it might be tomorrow. But I will send that as soon as I can. And then, obviously, when you guys come back from your holiday, let me know. I'll I'll have a chat to your wife as well to see how we can incorporate everything. And if it is that we're just looking at contributions, then I will obviously decide everything we've spoken about today for you or if we can incorporate it for her as well. Yep. Do you have any questions or anything like that for me at this point otherwise? No? Yep. Perfect. And just for my record as well, when do you guys go on holiday and when do you come back? Just so I can let the team know not to call you guys on your way. If there's ever The fourth. Okay. Perfect. I'll just note that down. If there is anything, I will send you an email, but, obviously, you're on holiday, so so no rush. I will tentatively pencil in that you said the twelfth for for your wife. But, again, obviously, just confirm what works. And, otherwise, I hope you have a lovely holiday, and I look forward to speaking with both of you when you come back. Mhmm. No problem at all. I hope you enjoy the rest of your afternoon as well. Mhmm. No worries. Thanks, Alan. Bye. 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afternoon. This is Alan speaking. Good afternoon, Alan. It's Veronica from Financial. How are you?\n\nThat's good. I had you booked in to go over your annual review. Is now still a good time for you? Yep. Perfect.\n\nNow just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? No. That's okay.\n\nYeah. Yep. No. No. I'm not.\n\nYep. Great. Perfect. That's exactly what I have here. And how's your morning been?\n\nBeen busy? Yeah. You you guys going somewhere or just having some time off? Yeah. Oh, beautiful.\n\nHow long are you going for? Oh, nice. Yeah. Beautiful. Well, I will try not to keep you for too long today.\n\nBut before I kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review or any areas you would like me to focus a little bit more on or just a bit of a catch up? Yep. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Yep. Oh, yes.\n\nYeah. The main thing. Yeah. Great. Perfect.\n\nNow I'll make a little note of that. And then before we kind of jump in through more in-depth about your superannuation, the last twelve months contributions, and stuff like that, I do wanna quickly just run through a bit of an updated fact find with you just to make sure I have all the up to date information, and then we can incorporate all of that if we do need to make any changes through any of the advice and stuff like that. So bear with me as I kind of go through these questions. And now when it comes to your personal situation, I have you here as married. Still the case?\n\nYep. Do you have any financial dependents? No. Now I don't have a next of kin on file. So in the event that I can't contact you, who would you like to nominate?\n\nYep. Yep. Perfect. And just their name, please? Yep.\n\nNo. Just first and last is perfect. Eight o perfect. Best contact number? Zero zero.\n\nYep. Double nine. Yep. 41. Great.\n\nPerfect. Thank you so much for that. Employment wise, has anything changed in the last twelve months or still you know, working as an engineer full time? Yep. Perfect.\n\nCompany and everything like that as well. Yep. Perfect. Now I do have you here as income of around 220,000. Is that the case?\n\nOkay. And then do you get a new year on top of that? Yeah. Sure. Yep.\n\nNo. That's alright. Mhmm. Yep. Perfect.\n\nTrue 32. Yep. Perfect. 46. And mhmm.\n\nYeah. Yep. Yes. Been a bit of bit of fluctuations the last twelve months. Yeah.\n\nYep. Alright. Perfect. Now with the different splits so, obviously, when it comes to contributions, that that is very important. So do you know if you get contributions paid on your bonus?\n\nYes. Yes. Yes. Yes. And most of the time, that is the case.\n\nLike, it can vary a little bit, but most of the time, people get contributions on top of their bonus. Over time, no. So if you think you do get contributions on the bonus, that is typically what most employers will do. So if I just look at your bonus and your base, that's about 278. Now do you know they just pay you the standard 12% contribution?\n\nYep. Half. The minimum. Yep. Now that takes you over the concessional contribution cap.\n\nSo, basically, do you know if your employer goes over the cap or not? So from the employer's point of view, legally, you only have to pay up to 30,000. If your income is higher, you don't have to pay more. Some employers still pay on the full amount, so irrespective of how much you got over the cap. It will mean a little bit different from a tax point of view, but they still pay it.\n\nSome employers stop at 30,000. Do you know what your employer does? No. No. That's okay.\n\nI might take your yeah. If you could, just especially if we're looking at doing some advice and stuff for you, it is important because that changes the numbers and stuff. So if you could find out for me, that would be great. So, yeah, basically, Do you want me to send you an email about it and you can just yeah. So that is okay.\n\nI can definitely do that. Perfect. Sorry. Aside from over the employer contributions, I know that you spoke to my colleague, Dana, last year and went through some advice and at the time looking at establishing a salary sacrifice arrangement. Did you end up doing some of that?\n\nBecause that obviously would take you even further above the the cap space. Mhmm. Yep. Yep. Yep.\n\nOkay. Yes. It's 30. Yes. 30 thousand.\n\nYeah. Yes. Yes. Yes. Yeah.\n\nBecause the way with, obviously, like, salary sacrifice or if you're wanting to do extra contributions, there are obviously different ways you can do it. Now you mentioned as well that you wanted to potentially utilize some unused cap space in previous years. Is that basic because you would like to boost your superannuation, or what kind of, I guess, reasoning for that? Mhmm. Mhmm.\n\nYep. Yep. Yes. Yes. That is correct.\n\nYes. Sorry. You definitely can do that. Why you would do it is more so like, you definitely can do it. And if I guess depends on where your other goals are.\n\nSo often people will be like, okay. Well, I want to use unused cap space. And sometimes it's if you've sold an investment property, you wanna bring down, you know, CGT by making contributions into super and stuff like that. That's sometimes why we do those strategies. Other times, it's just because you have excess cash flow and you would like to put it into super so that you obviously compound and have more by the time you retire.\n\nSo I guess the the reason for why you want to do it, you definitely can if you have unused cap space. Is there any particular reasoning why you would like to do it, or is it just that you guys have, you know, enough cash put aside that you would like to utilize some of it in a tax effective manner by still boosting your super essentially? Yep. Your letter. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. Perfect.\n\nSo what I might get you to do as well, just so I can then run the numbers and stuff like that for you, is to find your unused cap space, you can do you have access to myGov? Yeah. Alright. Perfect. Mhmm.\n\nMhmm. Yeah. Okay. So because, obviously, it could obviously change with if you did go over the cap last financial year. Because when you spoke to Dana, it was in July.\n\nSo it would be in this financial year depending on when when you guys did everything. But what I might get in the email when it comes to the contributions, I will just put again, just in case you can't find the email for the information, steps on how to just find it on myGov. It's very easy on the app. And if you take a screenshot of your unused cap space and forward that to me, then I can use that as and to see as well how much we can utilize. Now if do you would you like to utilize all of the cap space, or do you have a certain amount that you would be like, oh, okay.\n\nWell, if there's, you know, 10,000 unused, then I'm happy to use that. Like, do you have a figure amount of how much you would want to put in, or would you just wanna maximize it? Okay. How much? Mhmm.\n\nYep. Yep. So base yeah. Yep. Yep.\n\nYeah. Well well, basically, it's like the the downside with doing it is that you don't have access to that money anymore. So by putting a big lump sum into superannuation, it's locked in onto your immediate condition of relief. So for example, turning 60 and retiring. That is the biggest downside is you don't have access to those money anymore.\n\nAnd if you need it for any particular reason, you might not get access to it. So that is the biggest kind of flag for people. Aside from that is the more you put in because it is in a in a tax effective environment. So contributions going into the if you are under cap space or using unused cap space from previous years, it's only taxed at 15%. Now, obviously, with your income being quite high, you will be taxed a lot.\n\nSo you can then utilize that difference in the tax brackets to get a little bit back by putting more interest super. So it is a very tax effective way. But, obviously, aside from that, the benefit is you will have more interest superannuation as well, which will obviously compound and invest. So if you obviously have to pay yes. Sorry, Alan.\n\nYou go. Yeah. Okay. Yep. Yep.\n\nGreat. Yeah. Yeah. Perfect. Alright.\n\nSo what I'll do is, obviously, after the call today, when we've kind of I'll put together a new recommendation for you. I will send you an email with the documents that I need just to finalize all of that. Obviously, take your time and send that back. And part of it is actually putting in the new statement of advice. And it'll go through in detail, you know, all the advantages and everything.\n\nWe've kind of touched on the most ones of what it will look like, how much tax saving, and how we will do to your suit. And that would give us a clearer picture. Now you also mentioned your wife. So has she what's her situate situation like at the moment? Mhmm.\n\nYep. Mhmm. Mhmm. Yep. Yeah.\n\nDo you know because there are different ways you can put contributions into superannuation. Now, typically, what I would like to do as well is if we are looking to do anything in regards to her superannuation, I would like to do a bit more of kind of in-depth research in her situation as well. Because if I say to you, okay. Will you put x amount into her superannuation? If I don't have a full, you know, picture and research on her account, then that might impact her.\n\nSo typically speaking, we would look to see if she would be interested in coming on board as a client depending on how much she would like to to do. Would that be something she would be always been through exploring, like, doing some research and stuff, or what's her kind of situation like? Or is it literally just superannuation? Yeah. Mhmm.\n\nYep. Yes. Definitely. Yep. Yep.\n\nYep. Yes. And does she have any, like, intention going back full time? Or no. No.\n\nThat's okay. Do you know roughly how much she would have in super by any chance? Like, a rough estimate? Okay. Okay.\n\nOne fifty. Yep. Okay. Perfect. That's good.\n\nNow my what I might do is just to get a bit more in-depth research on her situation. Now if it is that we just look at exploring everything in regards to her superannuation, we can definitely just do that. And, again, it's it's a free review where we can review her situation where things are at. Now if it then is that we can't help her anymore, at least I have the research so then I can look at, okay. Well, if we do contributions for you, how will that impact her?\n\nSo it it is a little bit of a process, but then that that way, we can get the best outcome for both of you. Because when it comes through the spousal contributions, there is two different ways you can do it. Now I'm not sure if you kinda went through that with Dana, but you have spousal contribution, which is where you, the partner, would contribute directly into your spouse's account. Now that is kind of after tax money. But, basically, how that works is that you can get a or she could get a tax offset of up to $540 if she earns the lowest threshold.\n\nSo I know you said she'll get some income here and there, so that's very really good for me to kind of get more understanding because if she's above the threshold, then I wouldn't even explore that option. Otherwise, contribution splitting is where you utilize some of your contribution and give that to her. So you don't put more in, but you utilize some of your contribution. So whether that be salary sacrifice or your employer contribution, and then put that into her. So there's a bit of different ways I can do it, but to make sure that we do it in the most tax effective way, especially if you do have a little bit of leeway with you can make extra contributions if that will give her more at the end of it.\n\nI think kind of exploring, doing research for her anyway and seeing what her goals are as well would be very beneficial for both of you. Now when would she and you're more than welcome to be on the call if you would like or, obviously, if you please say it, that's fine. When would she be open through a a phone call to kind of go through that? Or would you like to mhmm. Yep.\n\nYes. That's okay. What you can even do, if you would like, is I'll send you an email with the documents that I need, and we can definitely especially with you going away on holiday, I understand that this might not be a priority right now. You you respond to me with the documents when you have a moment. And then also in that email, if you wanna respond when she would be available, once you kind of sorted out time frames, then I can kind of tee that up with the team, and then we can do kind of everything together.\n\nAnd I can potentially even do, like, a joint strategy for both of you where we go through everything together. Would that does that sound that yep. Yep. Yep. Yep.\n\nYep. Mhmm. Twelve seventy. Okay. Perfect.\n\nI will kind of pencil that in a little bit with the team, and then, yeah, confirm with her as well when what time is that day works, and we can kind of, you know, touch base and see all of that. Now if it is that I look at contribution splitting, that obviously will impact your superannuation as well. On a joint kind of goals for you, the reason why you want to do it is to kind of help her as well, and you understand that that might mean that as a result, you will have a little bit less in your superannuation? Yep. Yep.\n\nYep. Perfect. Do you have any max amounts that you would want to give to her or anything like that, or is it just whatever is going through help both of you? Nope. Nope.\n\nThat's okay. Yeah. No worries. That's it. And it is a lot, and it can be quite quite convoluted as well the more you go down it.\n\nEven have a think about it, and, again, I can pop it in the email. Obviously, have a think about it, and I will still run the numbers anyway to make sure it makes sense. But as a bit of a guide because you can do up to 85%. But that might not mean that we want to do everything because, again, that will obviously impact you whether if there is an amount that you go, okay. Well, I would be open to doing 10 or 15 or whatever it is if that math works out.\n\nThen at least that gives me a bit of an indication of how to do it if that makes sense. Alright. Perfect. Now while we are kind of talking about this, let me see if there was anything else. No.\n\nOkay. Yep. That was everything with the contribution wise. Assets and liabilities. So I have here your property was lost side at about 1,000,000.\n\nAbout that. Perfect. Now I do have here that you had 448 on the mortgage, but in the offset, there was 443. That sounds about right? Yeah.\n\nYeah. Yeah. That would be good. Perfect. Now, otherwise, I have here investment portfolio around 54,000.\n\nYeah? Oh, wow. Perfect. $1.90. I want it.\n\nPerfect. I can always send you this in the email as well, and you can just confirm the figure. That's no problem. Do you also have the motor vehicle by that about fifteen? Yep.\n\nPerfect. Any other assets in the last twelve months? Nope. Perfect. Any other liabilities, like personal loans, credit cards, tip pay?\n\nNope. Perfect. Now health and lifestyle wise, I have you down here as a nonsmooth gap with not really taking any, you know, medication or anything like that. Is that correct? Yep.\n\nPerfect. And now do you have private health insurance? Perfect. And that is hospital as well as extras? Or yep.\n\nPerfect. That's good. Especially with your income as well. You don't wanna pay the additional medical levy by not having hospitals, so that's great. When it comes to estate planning, do you have a will in place?\n\nNo? That's okay. Do you have anyone who makes any financial decisions for you or power of attorney? Alright. Perfect.\n\nAnd are you politically exposed at all, involved in politics directly? Alright. Perfect. And are you a tax resident in any foreign jurisdiction? No.\n\nGreat. Perfect. Now when it kind of comes to goals and other things that you want to work on aside on what, obviously, the contributions and stuff like that, like, we've spoken about, Do you have any other financial or nonfinancial goals that you are working towards? Not really. No.\n\nNo. Yeah. Not directly. Because I have here no. Because I have here that last time as a kind of medium term goal for three to five years was potentially looking at an investment property.\n\nIs that still kind of on the card or not really anymore? Mhmm. Yes. Yep. Yes.\n\nYes. Just equity and other things. Yep. Yeah. For now, no.\n\nNo. No. That's good. Otherwise, I had here that when you spoke to Dana, you were basically had a holiday planned in 2024. Obviously, holiday coming up soon.\n\nYou were doing some bathroom renovations and, otherwise, just kind of focusing on putting more money into the savings for the share portfolio. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nThat's perfect. No. That's still that's still really gold. And and, again, kind of with your financial situation, you are in a very good position already and, obviously, compounding and still plenty of time until retirement, you know, to tryna get close as close to that as possible. So I guess talking about retirement or, like, more so your superannuation goal is that I have that ideally, you wanna retire at the age of 60?\n\nYep. And an ideal income per week of a thousand dollars per week. Do you feel like a thousand dollars would be sufficient, or do you think that you would like to draw a higher income per week Ideally. Mhmm. Yes.\n\nOkay. Yep. Should we do them? Yep. Okay.\n\nYes. Right. Yep. And that's honestly what most people say. Again, it's kind of like you're touching.\n\nIt does depends on how extravagant you want your retirement and your goals, but most people aim of around a thousand. Some go up to 2,000, again, depending on their lifestyle. So you you sit pretty much in, you know, that that average at least in terms of what you want and want that to look like. Alright. Perfect.\n\nSo the other thing I do quickly wanna run through with you is just an updated risk profile questionnaire. Now that kind of goes hand in hand as well with reviewing, obviously, contributions and stuff like that if we need to make any changes to your risk profile. Now some of the questions can be a bit tricky. It's all multiple choice to make it nice and easy. If it doesn't make sense, just let me know.\n\nPerfect. Now the the first question here is in regards to inflation. So, basically, how much risk are you willing to take in order to make sure thinking about superannuation in this instance, in order to make sure that you stay on top of, obviously, the rising of prices, would you say that you are willing to accept very high risk, thinking long term, high, medium, or a small amount of risk? The growth? Yep.\n\nPerfect. So would you say very high or just kind of high? Like, a bit more than moderate but high? Very high. Yeah.\n\nPerfect. You do have plenty of time until retirement. You're trying to utilize the time frame. Sorry. Let me see here.\n\nPerfect. Now the next question is in regards to volatility. So kind of like you touched on a little bit as well. Obviously, things are and can fluctuate a bit with investment. Now if you placed an an investment and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market.\n\nSo it's not like one particular investment that's gone bad or anything like that, just the market as a whole, which, obviously, we have seen a little bit recently, bit of those fluctuations. Would you invest more money to try to take advantage of while the prices are down? Would you hold, wait to see what happens? Or would you want to sell out and shift to a more secure asset? So that means you are obviously selling when the prices have dropped.\n\nInvest more? Perfect. And if you had the option to do so, would you invest heavily or just a little bit? Quite heavily? Perfect.\n\nNow next one here is kind of in regards to fluctuations again. So if you obviously saw any of your personal investments or superannuation or anything like that drop in value, Would you say that that would make you feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, concerned, or highly anxious? The quest yeah. Of course. So if you kind of notice any of your investments, so whether that is your personal investments or the company shares or your superannuation drop, would you say that if you notice it, you would feel, you know, optimistic about potential opportunities, what that might mean, or a bit more kind of neutral, or would you say that it would make you feel quite concerned and anxious?\n\nYep. Like, yes. No. That makes sense. Yeah.\n\nYep. Yeah. Yep. Yep. Yeah.\n\nOkay. So maybe more towards the neutral way if you had to kind of And the last one here is, would you ever consider taking out a loan or borrow money to invest in stocks or funds? No. Would you ever borrow for an investment property? I know you said you're not really too keen on investment property right now, but if you wanted to go down the investment property, would you feel okay to borrow money, or would you just use, like, savings and stuff?\n\nYep. Yep. Yep. Yeah. And and most people are the same, honestly.\n\nYep. Yep. And then it's tax deductible. If it's an investment property, it's tax deductible for you as well. Sorry.\n\nThe the loan, you do kind of, yes, you have the loan, but it is tax deductible, the interest as well. So it is kind of that that principal as well. Alright. Perfect. Now that tells me here, Alan, that you have come out as a high growth investor.\n\nAnd at the moment, we have you in a growth portfolio. Do you know the difference between those two at all? Alright. So they're both fairly similar in that you are looking at getting as much growth as you possibly can out of superannuation while you do have the time. You are kind of prepared to experience, you know, some levels of fluctuation in order to achieve that growth.\n\nNow, typically, the difference between them is that they're kind of one step from each other on the scale. So in your growth portfolio, so how you are currently invested, we typically see 80% of the money invested in your growth assets. So that will be your Australian shares, international shares, kind of property and commodities, which is what's going to kind of maximize that growth for you, and about 20% goes in their defensive investment. So that will be your fixed interest, cash. Gold can kind of be a bit in between as well.\n\nNow your high growth is then 90%. So it's about a 10% difference. So 90 in growth, 10 in defensive. Obviously, if we're looking at long term in a high growth portfolio, typically, you see a little bit more fluctuations and volatility than your growth portfolio. But in the long term, you will, you know, see potentially higher returns.\n\nNow when we are looking at a time frame as well, so making sure you have enough time in the market to withstand those fluctuations, in a high growth portfolio, we want to allow at least eight years on your retirement, growth, six years. So you certainly have the time behind you to be in a high growth portfolio, but it's also what you are comfortable with. So do you feel like you are comfortable with the growth where you are at, or would you like to look at increasing it up through a high growth portfolio, or what are your kind of initial thoughts? High growth? Yep.\n\nPerfect. Now, again, I will do all the research for you. So I will research all of it to see if there's any, you know, capital gains associated with making this switch, what the fees and returns and everything like that would look like, presented to you, and then, obviously, you can let me know kind of how how you feel about it before doing any changes. Perfect. So kind of talking about your superannuation.\n\nDo you have access to your emails at the moment, Alan, or not really? Yeah. Okay. Amazing. I have just sent you an email with some documents to go through.\n\nDid that one come through okay? Yeah. Perfect. Now we have recently changed the software, so they might look a little bit different to what you were used to. But, essentially, before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email.\n\nCan you see them? Yep. Perfect. Now which one is first for you? And we can do it that way to make it easier.\n\nYep. Yep. Perfect. So at the bottom two, I'll let you have a read over in your own time. It is just an updated financial services guide, one of those compliance documents, but it gives you all the information about the team, our advisers, our directors, everything in there for you.\n\nWe've had a bit of an extension to the team, which is great, a bit of revamp in marketing. So you would have seen this before. It's just a bit of an updated version. So I'll let you have a read over that. As you do, you will also see there's a photo of all the advisers, so you will see myself in there and also then Dana who you spoke to last year if you wanna put a a face to the employee.\n\nOtherwise, if you wanna open that, it's super insurance summary for me. Alright. Perfect. Now that shows you kind of your current situation. So you'll have 24 accounts.\n\nYou do have about $261,711 in there. And then underneath that, you have your insurances. So with your insurances, you have them with Pell. You have a life and TPD of $593,745. Now when we just look at your life and TPD, are you happy with those amounts, or what are your thoughts in regards through the insurances?\n\nYep. Perfect. Now the other one is in your income protection. So income protection is obviously if you, are temporarily unable to work and can cover you for a monthly benefit. Now your monthly benefit is 6,976.\n\nAnd, typically, you can have, 70% of your income covered. So because your income has increased, quite a bit from when we took out the policy, which is fantastic, it does mean that there is a little bit of a gap. Now if something were to happen to you, would you be comfortable with the level of cover you have at the moment? Like, do you think that would meet your like, what you need? Yep.\n\nPerfect. Yep. Perfect. We're happy to leave it as is. Yep.\n\nPerfect. Now you have a thirteen week waiting period, four year benefit period. Everything comes out of superannuation. And because you are pretty low risk, which is great, it's pretty cheap for you. So it's only about $821 per year for all those rates.\n\nNow with, obviously, insurance as well, I can see that you don't have trauma insurance. I know I think you spoke to my colleague, Dana, last year, and it because it's an out of pocket expense, it wasn't really something you're interested in. Just confirming that's still the case. Yeah. Great.\n\nNow what's the next attachment you can see there, Alan? Yes. Perfect. If you wanna open this one for me. Now this one here shows you an overview of your portfolio.\n\nSo this is kind of a little bit more in-depth in regards to your portfolio. It can look a little bit messy, but because you are pretty across investments, it probably makes more sense to you, which is great. Essentially, you have, obviously, all your individual investments, how they have performed, and where they're sitting at at the moment in a twelve month period. Now all the internal rate of return, that's all the net of all fees as well. So it shows you the net of everything.\n\nNow if you look on page two, for example, for me, you will see the total portfolio. So yep. Perfect. Now if you look on the second column to the right, that tells you that overall, in the last twelve months, after fees, obviously, despite the the fluctuations we've had in the last twelve months, your portfolio has still gone up by 10.16%, which is actually really good given what's kind of going on in the market. Mhmm.\n\nNow as you scroll up, you will then see the individual investments and how they've done. So you can see here that the two in brackets are down. The others are positive. Now when we look at that as well and when we look at the one that says hack, so the beta shares global cybersecurity, That one is a bit more it's one of your satellite investments, so the goal is to try to maximize growth. It can be a little bit more volatile depending on what is going on in the market, and we've obviously seen a bit of a shift with AI and everything like that.\n\nSo we still see opportunities in this space. It's not something we're too concerned about, and it is it is more of like your cyclical investment. The other one, though, is the Benelon Australian equity. We've done a lot of sorry. Do you are you quite familiar with, like, the difference between managed funds and ETFs and direct shares and stuff like that?\n\nBut no. That's true. I'll just run it through sim very, very simplified and short for you. But, essentially, direct shares, pretty simple. You invest directly into a particular company.\n\nSo let's say, obviously, BHP, you wanna invest directly in them, that's your direct share. Now let's say you wanna invest in the oil industry as a whole, but not into one particular investment. So this is where your ETF or exchange traded fund comes in very handy. How the ETFs work is that they basically track an index. Now you have different ones.\n\nSo for example, your IVV, iShares S and P 500. The way that this one works, which you may have heard of, basically just tracks the 500 largest companies in The US. So as a company gets bigger, gets into that 500, it gets added to the investment, a smaller company comes out. So you don't need as much of that kind of active management because you are following a particular index or trend or whatever it might be for those investments. So these are manager.\n\nSo your managed funds are a little bit different in that you have a fund manager who actively buys and sells different investments in order to try to outperform the market. Now depending on who the fund manager is, they would have different styles of investments that they're focusing on, and depending on which one it is, there's different targets and stuff like that. They tend to have a bit smaller, I guess, companies in the portfolio, but it does depend on on which one. And it is more of the active buying and selling individual shares that they think are going to be good for different metrics. So it works a little bit differently.\n\nDoes that make sense? Yeah. Perfect. So with the Benelon Australian Equities, that is one of your managed fund, and that's the one that is down at the moment. Now when that was added to your portfolio, when you came on board and up until quite recently, they've done really well.\n\nThey were one of the best performing one, and they did exactly that. They outperformed, and they were doing really well. That's not to say it's always going to be the case, especially at different trends and stuff do change. So we've done quite a lot of in-depth research recently in Bennelong, and we are looking at potentially swapping that one out. The reason is that if they are underperforming a little bit now and they have been a little bit slower in actually making those choices and some of their conviction haven't actually played out, there there might not be a reason to keep it in the portfolio if we can swap it for something that's going to do better for you.\n\nSo if you are happy for me to do so as part of, obviously, when I am reviewing your your high growth portfolio as well as, you know, the contributions and everything like that, I would like to look at a potential option to swap that out for you to make sure that we always have you in the best position and that we can obviously improve the returns and performance and everything like that. Are you happy for me to kind of do a bit more in-depth in regards to that? Yeah. Great. Perfect.\n\nAnd even though you have been along in the portfolio, like we said, we have kind of underperformed, All your other investments have done done well. You can even see the beta shares agriculture that's up by 42%. So that's also why your portfolio is structured with the diversification so they kind of work and negating each other where it's, like, some areas might do really well, other ones not, and they kind of obviously work in that tandem. So despite that, you still have gone up that 10.16%, which is great. Yeah.\n\nPerfect. Now when we are talking about super as well, I do wanted to check. I'm not sure do you read our newsletters every now and then or not really? Yes. No.\n\nThat's okay. Most people are the same. So the reason I do ask is that in our native latest newsletter, we we put some information in regards to that we have recently teamed up with BlackRock, which you may have heard of, and created our own SMA, so a self managed account alongside that. Is that are you familiar what an SMA is? No.\n\nSo most people think of a SMSF, which is different. So not self managed super fund, a self managed account. Basically, how that works if I compare it to your current portfolio, so your current portfolio will be more your model portfolio that we'd see. Now if I want to go and make a change, so for example, we would obviously have to go and do all the research for you, put together a proposal, present it through you. You would have to agree to the change before we can make a change.\n\nSo you would obviously have full control of of the changes, but it also means that it is a little bit delayed sometimes because it takes a process to obviously do the research by the time where you're available, go through the changes for you to approve it. With the SMA, how it works is you just invest kind of in a portfolio. So think similar to to Benelon in a way, but, obviously, different where you are just invested in one investment option. You don't actually see fully all the individual investment. And it's how it works is that we can then easily swap and change the investment.\n\nSo if, for example, we had the IHS S and P 500 in the portfolio and we foresee that it's not going to be or something's going to happen and it's not going to be the best, we can quickly make a change without you having to have the SOA and approve the change. We can do it in the back end. We can still let you know of all the changes, of course, but it just takes away that kind of compliance process, and it makes it quicker. If you mhmm. Yes.\n\nIt's correct. But in order for us to make a change, we would have to present it in an SOA. We can't go and change and and it like, I can't go and change an investment without doing the SOA and you approving the change. But, yes, otherwise, it's exactly the same. And the estimate are constructed of your low cost ETFs and stuff.\n\nIt's just a different way. The the benefit of it as well is that we can make the changes quicker because we don't need to do the SOA process. Some people are quite happy to look at that as part of a research process to see, well, if it's going to be, you know, more competitive for me, I am comfortable with that approach. Some people go, no. I want I'm I'm okay for it to take a little bit forward if we need to make a change.\n\nI would like the the SOA and to approve the change before it happens. How do you feel? So yeah. No. So everything would be in the SMA.\n\nSo all your investments at the moment would be so you would be in the SMA. And then in the SMA, you still have a range of different investments. Spend along is not part of it, but you have a range of different investments. So for your end, like, if we do an SOA, you would see that, let's say, you have you invested in the SMA called Bloom, for example. So you would just see that you're in a option.\n\nNow if we were to go and change it, when you actually go into Hub twenty four, you can still click on it, and you can still see all the underlying investments. So it's still there for you. The the premise is that we can quickly make the changes because you are not invested in that directly into each investment. You would just invest it in the portfolio. But, again, it is completely up to what you are comfortable with.\n\nSome people think it's it's fantastic, and some people prefer the other way. And, also, even if it is something you are comfortable with, I still have to do the research and prove it's in your best interest regardless. It's just whether you are comfortable with the approach. Yeah. Yes.\n\nOkay. Mhmm. Correct. That is correct. Yes.\n\nYep. Yeah. Yep. It feels good. Okay.\n\nOkay. What I'll do is I'll include it as part of my research. Now like I said, I need to do research on all the options out there and whichever puts you in the best position. So whether that is, you know, tax fees, performance, everything like that, I will make a recommendation, present it to you. Now if that turns out to be the estimate, the SOA has a lot more information in regards to the SMA as well that we can go through.\n\nAnd what I can also do is when I send you the email with the stuff we have what kind of discussed already, I could include some brochures in regards to the estimate so that you can also read up a little bit about it if you would like. But if I do the research, it might not be the best option. So it depends on your individual situation and your goals, but at least I can include it as part of the research. And if it is very competitive for you, then I can recommend it. Again, what I do recommend is just a suggestion at the end of the day.\n\nSo if I if it turns out that it's going to put you in a better position, I know I recommend it, and we go through it and you go, you know what? I changed my mind. I don't like it. We don't have to do it. But at least I can kind of, you know, present everything through you.\n\nSo I'll at least consider it in part of the research, and then we can take it from there. Yep. Perfect. Now we're almost at the end because I know you have a busy day, but you will see your TAL COC. Don't need to open it now, but that's just your towel insurances.\n\nIt just goes through them in a little bit more information, basically, just lets you know that's paid and up to date. And then you will have a Vanguard index chart. Now you might be familiar with this or seen it before. It's just a good visual representation. It's sometimes easier if people don't have a lot of understanding of the the market and how things do fluctuate to kind of visualize it.\n\nThe other thing or the last thing I should say is when you do, you know, click on the link. So if you are comfortable, obviously, if you, when you have a moment, want to click the link where it says sign now, it will ask you to sign through documents. Now one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client. So no changes in regards to the ongoing advice fee. It stays exactly the same at 1.65% ongoing, but it basically just lets us service your account and everything like that.\n\nNo lock in contract, though. So if at any point in time you are not happy with the service, no lock in contract. But, otherwise, this just lets us service everything on your end otherwise. And the last one is just a tax file number opt in form, which is just a compliance form to say that we are keeping your tax file number secure and safe on the file. Do you have any questions in regards through any of that?\n\nI know that's probably a lot. No? Yeah. Great. Perfect.\n\nSo, basically, from here is, take a moment and have a read through the document. Any questions, let me know. If not, if you're comfortable to do so, we'll just need you to sign those documents. That will come through on our end, and I'll let the team know to process that. I will also send you that email.\n\nNow I will try to do it today, but I'm quite back to back all day, so it might be tomorrow. But I will send that as soon as I can. And then, obviously, when you guys come back from your holiday, let me know. I'll I'll have a chat to your wife as well to see how we can incorporate everything. And if it is that we're just looking at contributions, then I will obviously decide everything we've spoken about today for you or if we can incorporate it for her as well.\n\nYep. Do you have any questions or anything like that for me at this point otherwise? No? Yep. Perfect.\n\nAnd just for my record as well, when do you guys go on holiday and when do you come back? Just so I can let the team know not to call you guys on your way. If there's ever The fourth. Okay. Perfect.\n\nI'll just note that down. If there is anything, I will send you an email, but, obviously, you're on holiday, so so no rush. I will tentatively pencil in that you said the twelfth for for your wife. But, again, obviously, just confirm what works. And, otherwise, I hope you have a lovely holiday, and I look forward to speaking with both of you when you come back.\n\nMhmm. No problem at all. I hope you enjoy the rest of your afternoon as well. Mhmm. No worries.\n\nThanks, Alan. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":3.36,"end":4.08,"sentiment":"neutral","sentiment_score":0.19619694352149963},{"text":"This is Alan speaking.","start":4.08,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.09065061807632446},{"text":"Good afternoon, Alan.","start":5.8399997,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.24864299595355988},{"text":"It's Veronica from Financial.","start":6.7999997,"end":8.34,"sentiment":"neutral","sentiment_score":0.21376245468854904},{"text":"How are you?","start":8.8,"end":9.62,"sentiment":"neutral","sentiment_score":0.16194215416908264}],"sentiment":"neutral","sentiment_score":0.1776126017794013,"num_words":16,"start":3.36,"end":9.62},{"sentences":[{"text":"That's good.","start":12.08,"end":13.059999,"sentiment":"positive","sentiment_score":0.7293257415294647},{"text":"I had you booked in to go over your annual review.","start":13.565,"end":16.285,"sentiment":"positive","sentiment_score":0.3961785706606778},{"text":"Is now still a good time for you?","start":16.285,"end":17.985,"sentiment":"neutral","sentiment_score":0.28261465951800346},{"text":"Yep.","start":19.485,"end":19.985,"sentiment":"neutral","sentiment_score":0.2821197509765625},{"text":"Perfect.","start":20.045,"end":20.545,"sentiment":"positive","sentiment_score":0.4058908820152282}],"sentiment":"positive","sentiment_score":0.38111059432444366,"num_words":23,"start":12.08,"end":20.545},{"sentences":[{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.765,"end":28.145,"sentiment":"neutral","sentiment_score":0.040929816791723514},{"text":"Perfect.","start":30.0,"end":30.48,"sentiment":"neutral","sentiment_score":0.27441757917404175},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":30.48,"end":37.78,"sentiment":"neutral","sentiment_score":0.06598743796348572},{"text":"No.","start":47.614998,"end":47.774998,"sentiment":"neutral","sentiment_score":-0.16944009065628052},{"text":"That's okay.","start":47.774998,"end":48.515,"sentiment":"neutral","sentiment_score":-0.11464780941605568}],"sentiment":"neutral","sentiment_score":0.04709016853722475,"num_words":59,"start":20.765,"end":48.515},{"sentences":[{"text":"Yeah.","start":49.454998,"end":49.954998,"sentiment":"neutral","sentiment_score":-0.1450724899768829},{"text":"Yep.","start":57.39,"end":57.89,"sentiment":"neutral","sentiment_score":-0.04195097088813782},{"text":"No.","start":58.19,"end":58.69,"sentiment":"neutral","sentiment_score":-0.08334962278604507},{"text":"No.","start":59.87,"end":60.19,"sentiment":"neutral","sentiment_score":-0.10715556144714355},{"text":"I'm not.","start":60.19,"end":60.93,"sentiment":"neutral","sentiment_score":-0.07947885990142822}],"sentiment":"neutral","sentiment_score":-0.08941439415017764,"num_words":6,"start":49.454998,"end":60.93},{"sentences":[{"text":"Yep.","start":64.685,"end":65.185,"sentiment":"neutral","sentiment_score":0.013450304977595806},{"text":"Great.","start":70.604996,"end":71.005,"sentiment":"positive","sentiment_score":0.4225357472896576},{"text":"Perfect.","start":71.005,"end":71.405,"sentiment":"positive","sentiment_score":0.4365581274032593},{"text":"That's exactly what I have here.","start":71.405,"end":72.765,"sentiment":"positive","sentiment_score":0.3980954885482788},{"text":"And how's your morning been?","start":72.765,"end":74.365,"sentiment":"neutral","sentiment_score":0.07724662125110626}],"sentiment":"neutral","sentiment_score":0.26052501551540835,"num_words":14,"start":64.685,"end":74.365},{"sentences":[{"text":"Been busy?","start":74.365,"end":75.104996,"sentiment":"neutral","sentiment_score":-0.00388971995562315},{"text":"Yeah.","start":82.53999,"end":83.03999,"sentiment":"neutral","sentiment_score":-0.021350324153900143},{"text":"You you guys going somewhere or just having some time off?","start":83.34,"end":87.36,"sentiment":"neutral","sentiment_score":-0.03187632814727046},{"text":"Yeah.","start":89.435,"end":89.935,"sentiment":"neutral","sentiment_score":0.05817623063921928},{"text":"Oh, beautiful.","start":92.634995,"end":93.195,"sentiment":"neutral","sentiment_score":0.11713439226150513}],"sentiment":"neutral","sentiment_score":-0.005136726971934824,"num_words":17,"start":74.365,"end":93.195},{"sentences":[{"text":"How long are you going for?","start":93.195,"end":94.655,"sentiment":"neutral","sentiment_score":0.026956778950989246},{"text":"Oh, nice.","start":96.634995,"end":97.454994,"sentiment":"neutral","sentiment_score":0.07637830823659897},{"text":"Yeah.","start":98.075,"end":98.575,"sentiment":"neutral","sentiment_score":0.10563836246728896},{"text":"Beautiful.","start":98.715,"end":99.215,"sentiment":"neutral","sentiment_score":0.3085707724094391},{"text":"Well, I will try not to keep you for too long today.","start":99.59499,"end":102.09499,"sentiment":"neutral","sentiment_score":0.028600663878023624}],"sentiment":"neutral","sentiment_score":0.04872338143600659,"num_words":22,"start":93.195,"end":102.09499},{"sentences":[{"text":"But before I kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review or any areas you would like me to focus a little bit more on or just a bit of a catch up?","start":103.340004,"end":116.625,"sentiment":"neutral","sentiment_score":0.002954208912948767},{"text":"Yep.","start":122.465,"end":122.965,"sentiment":"neutral","sentiment_score":0.24719403684139252},{"text":"Yep.","start":123.025,"end":123.525,"sentiment":"neutral","sentiment_score":0.07238030433654785},{"text":"Yep.","start":133.2,"end":133.7,"sentiment":"neutral","sentiment_score":-0.06774921715259552},{"text":"Yep.","start":135.92,"end":136.42,"sentiment":"neutral","sentiment_score":-0.0082454988732934}],"sentiment":"neutral","sentiment_score":0.006950119076746291,"num_words":58,"start":103.340004,"end":136.42},{"sentences":[{"text":"Mhmm.","start":139.44,"end":139.94,"sentiment":"neutral","sentiment_score":0.030363701283931732},{"text":"Yep.","start":140.72,"end":141.22,"sentiment":"neutral","sentiment_score":-0.0003322102129459381},{"text":"Yep.","start":143.52501,"end":144.02501,"sentiment":"neutral","sentiment_score":-0.053738247603178024},{"text":"Yep.","start":145.045,"end":145.545,"sentiment":"neutral","sentiment_score":-0.01213453896343708},{"text":"Oh, yes.","start":162.5,"end":163.16,"sentiment":"neutral","sentiment_score":-0.01858306396752596}],"sentiment":"neutral","sentiment_score":-0.012167903905113539,"num_words":6,"start":139.44,"end":163.16},{"sentences":[{"text":"Yeah.","start":167.795,"end":168.295,"sentiment":"neutral","sentiment_score":0.022924132645130157},{"text":"The main thing.","start":173.155,"end":174.055,"sentiment":"neutral","sentiment_score":-0.017121323384344578},{"text":"Yeah.","start":174.995,"end":175.495,"sentiment":"neutral","sentiment_score":0.07395683228969574},{"text":"Great.","start":176.035,"end":176.515,"sentiment":"positive","sentiment_score":0.5458810925483704},{"text":"Perfect.","start":176.515,"end":176.995,"sentiment":"positive","sentiment_score":0.5407900214195251}],"sentiment":"neutral","sentiment_score":0.16174115839281253,"num_words":7,"start":167.795,"end":176.995},{"sentences":[{"text":"Now I'll make a little note of that.","start":176.995,"end":178.595,"sentiment":"neutral","sentiment_score":0.3242550790309906},{"text":"And then before we kind of jump in through more in-depth about your superannuation, the last twelve months contributions, and stuff like that, I do wanna quickly just run through a bit of an updated fact find with you just to make sure I have all the up to date information, and then we can incorporate all of that if we do need to make any changes through any of the advice and stuff like that.","start":178.595,"end":200.07501,"sentiment":"neutral","sentiment_score":0.11390508951521233},{"text":"So bear with me as I kind of go through these questions.","start":200.07501,"end":203.375,"sentiment":"neutral","sentiment_score":0.07692406078179677},{"text":"And now when it comes to your personal situation, I have you here as married.","start":204.955,"end":210.095,"sentiment":"neutral","sentiment_score":0.020413241162896157},{"text":"Still the case?","start":210.56,"end":211.37999,"sentiment":"neutral","sentiment_score":-0.002139803022146225}],"sentiment":"neutral","sentiment_score":0.10941838046633884,"num_words":114,"start":176.995,"end":211.37999},{"sentences":[{"text":"Yep.","start":212.0,"end":212.5,"sentiment":"neutral","sentiment_score":0.011881129816174507},{"text":"Do you have any financial dependents?","start":212.87999,"end":214.73999,"sentiment":"neutral","sentiment_score":-0.00813850729415814},{"text":"No.","start":216.95999,"end":217.45999,"sentiment":"neutral","sentiment_score":-0.10755541920661926},{"text":"Now I don't have a next of kin on file.","start":218.56,"end":222.65999,"sentiment":"neutral","sentiment_score":-0.11431020274758338},{"text":"So in the event that I can't contact you, who would you like to nominate?","start":223.265,"end":228.245,"sentiment":"neutral","sentiment_score":-0.030381004589920244}],"sentiment":"neutral","sentiment_score":-0.05282795240848579,"num_words":33,"start":212.0,"end":228.245},{"sentences":[{"text":"Yep.","start":230.865,"end":231.345,"sentiment":"neutral","sentiment_score":0.03250246122479439},{"text":"Yep.","start":231.345,"end":231.745,"sentiment":"neutral","sentiment_score":0.06830483675003052},{"text":"Perfect.","start":231.745,"end":232.245,"sentiment":"neutral","sentiment_score":0.2338586449623108},{"text":"And just their name, please?","start":232.30501,"end":234.885,"sentiment":"neutral","sentiment_score":0.03519257940351963},{"text":"Yep.","start":240.29,"end":240.79,"sentiment":"neutral","sentiment_score":-0.013988498598337172}],"sentiment":"neutral","sentiment_score":0.05518226015071074,"num_words":9,"start":230.865,"end":240.79},{"sentences":[{"text":"No.","start":245.25,"end":245.48999,"sentiment":"neutral","sentiment_score":0.057723965495824814},{"text":"Just first and last is perfect.","start":245.48999,"end":247.03,"sentiment":"positive","sentiment_score":0.37790631751219433},{"text":"Eight o perfect.","start":250.495,"end":251.715,"sentiment":"neutral","sentiment_score":0.16633703807989755},{"text":"Best contact number?","start":252.575,"end":253.795,"sentiment":"neutral","sentiment_score":0.1151533176501592},{"text":"Zero zero.","start":259.295,"end":259.855,"sentiment":"neutral","sentiment_score":0.024053454399108887}],"sentiment":"neutral","sentiment_score":0.2145159897704919,"num_words":15,"start":245.25,"end":259.855},{"sentences":[{"text":"Yep.","start":259.855,"end":260.355,"sentiment":"neutral","sentiment_score":0.02728937566280365},{"text":"Double nine.","start":262.31,"end":263.03,"sentiment":"neutral","sentiment_score":0.03311954252421856},{"text":"Yep.","start":263.03,"end":263.53,"sentiment":"neutral","sentiment_score":0.025925617665052417},{"text":"41.","start":266.71,"end":267.43,"sentiment":"neutral","sentiment_score":0.07418361306190491},{"text":"Great.","start":267.43,"end":267.75,"sentiment":"positive","sentiment_score":0.589994490146637}],"sentiment":"neutral","sentiment_score":0.13060536359747252,"num_words":6,"start":259.855,"end":267.75},{"sentences":[{"text":"Perfect.","start":267.75,"end":268.22998,"sentiment":"positive","sentiment_score":0.6495254635810852},{"text":"Thank you so much for that.","start":268.22998,"end":269.84998,"sentiment":"positive","sentiment_score":0.6119266450405121},{"text":"Employment wise, has anything changed in the last twelve months or still you know, working as an engineer full time?","start":271.34998,"end":279.185,"sentiment":"neutral","sentiment_score":0.12471185401082038},{"text":"Yep.","start":280.525,"end":280.925,"sentiment":"neutral","sentiment_score":0.06116631627082825},{"text":"Perfect.","start":280.925,"end":281.425,"sentiment":"positive","sentiment_score":0.33513402938842773}],"sentiment":"neutral","sentiment_score":0.24867664688620075,"num_words":29,"start":267.75,"end":281.425},{"sentences":[{"text":"Company and everything like that as well.","start":282.04498,"end":284.225,"sentiment":"neutral","sentiment_score":0.2373160230261939},{"text":"Yep.","start":285.16498,"end":285.66498,"sentiment":"neutral","sentiment_score":0.08874790370464325},{"text":"Perfect.","start":285.88498,"end":286.38498,"sentiment":"neutral","sentiment_score":0.2607788145542145},{"text":"Now I do have you here as income of around 220,000.","start":286.76498,"end":291.425,"sentiment":"neutral","sentiment_score":0.11724372546781194},{"text":"Is that the case?","start":291.485,"end":292.5,"sentiment":"neutral","sentiment_score":0.08094714395701885}],"sentiment":"neutral","sentiment_score":0.15100868480900922,"num_words":24,"start":282.04498,"end":292.5},{"sentences":[{"text":"Okay.","start":299.62,"end":300.12,"sentiment":"neutral","sentiment_score":0.08275847136974335},{"text":"And then do you get a new year on top of that?","start":300.66,"end":303.16,"sentiment":"neutral","sentiment_score":0.0731706212585171},{"text":"Yeah.","start":309.075,"end":309.315,"sentiment":"neutral","sentiment_score":0.05539927631616592},{"text":"Sure.","start":309.315,"end":309.815,"sentiment":"neutral","sentiment_score":0.061280038207769394},{"text":"Yep.","start":318.05,"end":318.53,"sentiment":"neutral","sentiment_score":0.0100212711840868}],"sentiment":"neutral","sentiment_score":0.06796915701124817,"num_words":16,"start":299.62,"end":318.53},{"sentences":[{"text":"No.","start":318.53,"end":318.77,"sentiment":"neutral","sentiment_score":-0.006060919724404812},{"text":"That's alright.","start":318.77,"end":319.59,"sentiment":"neutral","sentiment_score":0.01959379017353058},{"text":"Mhmm.","start":335.905,"end":336.405,"sentiment":"neutral","sentiment_score":0.023981064558029175},{"text":"Yep.","start":343.51,"end":344.01,"sentiment":"neutral","sentiment_score":0.05638119578361511},{"text":"Perfect.","start":345.11002,"end":345.61002,"sentiment":"neutral","sentiment_score":0.12111707031726836}],"sentiment":"neutral","sentiment_score":0.03910099854692817,"num_words":6,"start":318.53,"end":345.61002},{"sentences":[{"text":"True 32.","start":350.31,"end":351.27002,"sentiment":"neutral","sentiment_score":0.0452010165899992},{"text":"Yep.","start":351.27002,"end":351.77002,"sentiment":"neutral","sentiment_score":0.04719763249158859},{"text":"Perfect.","start":357.04498,"end":357.54498,"sentiment":"neutral","sentiment_score":0.06877648830413818},{"text":"46.","start":357.76498,"end":358.82498,"sentiment":"neutral","sentiment_score":0.0008949059993028641},{"text":"And mhmm.","start":364.405,"end":364.885,"sentiment":"neutral","sentiment_score":-0.04069422744214535}],"sentiment":"neutral","sentiment_score":0.017983229298676764,"num_words":7,"start":350.31,"end":364.885},{"sentences":[{"text":"Yeah.","start":364.885,"end":365.385,"sentiment":"neutral","sentiment_score":-0.06083167716860771},{"text":"Yep.","start":365.445,"end":365.945,"sentiment":"neutral","sentiment_score":-0.09144546836614607},{"text":"Yes.","start":370.13,"end":370.63,"sentiment":"neutral","sentiment_score":-0.14925995469093323},{"text":"Been a bit of bit of fluctuations the last twelve months.","start":371.97,"end":374.71,"sentiment":"neutral","sentiment_score":-0.1753298660570925},{"text":"Yeah.","start":389.025,"end":389.525,"sentiment":"neutral","sentiment_score":-0.056635331362485886}],"sentiment":"neutral","sentiment_score":-0.1524533972144127,"num_words":15,"start":364.885,"end":389.525},{"sentences":[{"text":"Yep.","start":397.73,"end":398.23,"sentiment":"neutral","sentiment_score":0.001421666471287608},{"text":"Alright.","start":398.45,"end":398.93002,"sentiment":"neutral","sentiment_score":0.14684376120567322},{"text":"Perfect.","start":398.93002,"end":399.43002,"sentiment":"neutral","sentiment_score":0.2571229934692383},{"text":"Now with the different splits so, obviously, when it comes to contributions, that that is very important.","start":399.97,"end":405.89,"sentiment":"neutral","sentiment_score":0.08984486939495101},{"text":"So do you know if you get contributions paid on your bonus?","start":405.89,"end":410.98502,"sentiment":"neutral","sentiment_score":0.024739920627325773}],"sentiment":"neutral","sentiment_score":0.06967594526213361,"num_words":32,"start":397.73,"end":410.98502},{"sentences":[{"text":"Yes.","start":418.245,"end":418.745,"sentiment":"neutral","sentiment_score":0.1505862921476364},{"text":"Yes.","start":419.285,"end":419.785,"sentiment":"neutral","sentiment_score":0.1331339180469513},{"text":"Yes.","start":425.74002,"end":426.24002,"sentiment":"positive","sentiment_score":0.38054728507995605},{"text":"Yes.","start":426.7,"end":427.2,"sentiment":"neutral","sentiment_score":0.3225656747817993},{"text":"And most of the time, that is the case.","start":427.42,"end":429.34,"sentiment":"neutral","sentiment_score":0.25503690044085187}],"sentiment":"neutral","sentiment_score":0.25247425184800076,"num_words":13,"start":418.245,"end":429.34},{"sentences":[{"text":"Like, it can vary a little bit, but most of the time, people get contributions on top of their bonus.","start":429.34,"end":436.195,"sentiment":"neutral","sentiment_score":0.1687713645398617},{"text":"Over time, no.","start":436.255,"end":437.555,"sentiment":"neutral","sentiment_score":0.06730018804470699},{"text":"So if you think you do get contributions on the bonus, that is typically what most employers will do.","start":438.415,"end":444.195,"sentiment":"neutral","sentiment_score":0.1577137587101836},{"text":"So if I just look at your bonus and your base, that's about 278.","start":445.535,"end":453.23,"sentiment":"neutral","sentiment_score":0.17255935817956924},{"text":"Now do you know they just pay you the standard 12% contribution?","start":453.45,"end":457.87,"sentiment":"neutral","sentiment_score":0.05055558246870836}],"sentiment":"neutral","sentiment_score":0.1411233422729899,"num_words":68,"start":429.34,"end":457.87},{"sentences":[{"text":"Yep.","start":460.635,"end":461.135,"sentiment":"neutral","sentiment_score":0.0927966684103012},{"text":"Half.","start":462.475,"end":462.795,"sentiment":"neutral","sentiment_score":0.05350003018975258},{"text":"The minimum.","start":462.795,"end":463.45502,"sentiment":"neutral","sentiment_score":0.032147519290447235},{"text":"Yep.","start":464.95502,"end":465.45502,"sentiment":"neutral","sentiment_score":0.08082441985607147},{"text":"Now that takes you over the concessional contribution cap.","start":466.315,"end":469.855,"sentiment":"neutral","sentiment_score":0.05207241471442911}],"sentiment":"neutral","sentiment_score":0.0542905635333487,"num_words":14,"start":460.635,"end":469.855},{"sentences":[{"text":"So, basically, do you know if your employer goes over the cap or not?","start":470.39502,"end":475.91998,"sentiment":"neutral","sentiment_score":-0.003238886993910585},{"text":"So from the employer's point of view, legally, you only have to pay up to 30,000.","start":476.22,"end":481.36,"sentiment":"neutral","sentiment_score":0.022666293429210782},{"text":"If your income is higher, you don't have to pay more.","start":481.82,"end":485.36,"sentiment":"neutral","sentiment_score":0.03296099603176117},{"text":"Some employers still pay on the full amount, so irrespective of how much you got over the cap.","start":485.685,"end":491.305,"sentiment":"neutral","sentiment_score":0.025828027580347326},{"text":"It will mean a little bit different from a tax point of view, but they still pay it.","start":491.445,"end":495.70502,"sentiment":"neutral","sentiment_score":-0.000680614055858718}],"sentiment":"neutral","sentiment_score":0.014708320477179118,"num_words":77,"start":470.39502,"end":495.70502},{"sentences":[{"text":"Some employers stop at 30,000.","start":495.845,"end":498.345,"sentiment":"neutral","sentiment_score":-0.014485296048223972},{"text":"Do you know what your employer does?","start":499.6,"end":502.18,"sentiment":"neutral","sentiment_score":-0.015528386724846703},{"text":"No.","start":504.56,"end":505.04,"sentiment":"neutral","sentiment_score":-0.14920546114444733},{"text":"No.","start":505.04,"end":505.54,"sentiment":"neutral","sentiment_score":-0.1574825644493103},{"text":"That's okay.","start":505.68,"end":506.66,"sentiment":"neutral","sentiment_score":-0.1988741084933281}],"sentiment":"neutral","sentiment_score":-0.05534758936846629,"num_words":16,"start":495.845,"end":506.66},{"sentences":[{"text":"I might take your yeah.","start":508.72,"end":510.64,"sentiment":"neutral","sentiment_score":-0.004122456163167953},{"text":"If you could, just especially if we're looking at doing some advice and stuff for you, it is important because that changes the numbers and stuff.","start":510.64,"end":518.75494,"sentiment":"neutral","sentiment_score":0.09718066468261756},{"text":"So if you could find out for me, that would be great.","start":519.45496,"end":523.555,"sentiment":"neutral","sentiment_score":0.20896067842841148},{"text":"So, yeah, basically, Do you want me to send you an email about it and you can just yeah.","start":524.735,"end":534.66,"sentiment":"neutral","sentiment_score":0.06730612396801773},{"text":"So that is okay.","start":534.66,"end":536.89996,"sentiment":"neutral","sentiment_score":0.23140864074230194}],"sentiment":"neutral","sentiment_score":0.10936460697628332,"num_words":66,"start":508.72,"end":536.89996},{"sentences":[{"text":"I can definitely do that.","start":536.89996,"end":538.6,"sentiment":"positive","sentiment_score":0.8233552694320678},{"text":"Perfect.","start":540.755,"end":541.255,"sentiment":"positive","sentiment_score":0.7605834603309631},{"text":"Sorry.","start":541.47504,"end":541.97504,"sentiment":"neutral","sentiment_score":0.04596377909183502},{"text":"Aside from over the employer contributions, I know that you spoke to my colleague, Dana, last year and went through some advice and at the time looking at establishing a salary sacrifice arrangement.","start":542.195,"end":553.335,"sentiment":"neutral","sentiment_score":-0.015616438549124834},{"text":"Did you end up doing some of that?","start":555.11,"end":556.79,"sentiment":"neutral","sentiment_score":0.015268966322764754}],"sentiment":"neutral","sentiment_score":0.09437776760508616,"num_words":48,"start":536.89996,"end":556.79},{"sentences":[{"text":"Because that obviously would take you even further above the the cap space.","start":556.79,"end":560.57,"sentiment":"neutral","sentiment_score":-0.09045224665449215},{"text":"Mhmm.","start":569.845,"end":570.345,"sentiment":"neutral","sentiment_score":-0.00010255025699734688},{"text":"Yep.","start":570.805,"end":571.305,"sentiment":"neutral","sentiment_score":0.02242743782699108},{"text":"Yep.","start":575.045,"end":575.545,"sentiment":"neutral","sentiment_score":0.021332360804080963},{"text":"Yep.","start":576.885,"end":577.385,"sentiment":"neutral","sentiment_score":0.02871837094426155}],"sentiment":"neutral","sentiment_score":-0.06491197571706246,"num_words":17,"start":556.79,"end":577.385},{"sentences":[{"text":"Okay.","start":578.725,"end":579.225,"sentiment":"neutral","sentiment_score":0.01875067502260208},{"text":"Yes.","start":587.72,"end":588.22,"sentiment":"neutral","sentiment_score":0.009795578196644785},{"text":"It's 30.","start":589.95996,"end":590.83997,"sentiment":"neutral","sentiment_score":0.0006480985321104527},{"text":"Yes.","start":590.83997,"end":591.24,"sentiment":"neutral","sentiment_score":0.01730850152671337},{"text":"30 thousand.","start":591.24,"end":592.13995,"sentiment":"neutral","sentiment_score":0.013307766057550907}],"sentiment":"neutral","sentiment_score":0.010538069132183279,"num_words":7,"start":578.725,"end":592.13995},{"sentences":[{"text":"Yeah.","start":592.68,"end":593.18,"sentiment":"neutral","sentiment_score":0.006910729221999645},{"text":"Yes.","start":599.405,"end":599.905,"sentiment":"neutral","sentiment_score":0.0016411356627941132},{"text":"Yes.","start":600.60504,"end":601.10504,"sentiment":"neutral","sentiment_score":-0.005315268412232399},{"text":"Yes.","start":603.485,"end":603.985,"sentiment":"neutral","sentiment_score":-0.15351814031600952},{"text":"Yeah.","start":604.28503,"end":604.78503,"sentiment":"neutral","sentiment_score":-0.03361072391271591}],"sentiment":"neutral","sentiment_score":-0.03677845355123281,"num_words":5,"start":592.68,"end":604.78503},{"sentences":[{"text":"Because the way with, obviously, like, salary sacrifice or if you're wanting to do extra contributions, there are obviously different ways you can do it.","start":604.925,"end":612.97,"sentiment":"neutral","sentiment_score":-0.013320752680301666},{"text":"Now you mentioned as well that you wanted to potentially utilize some unused cap space in previous years.","start":612.97,"end":620.75,"sentiment":"neutral","sentiment_score":0.023937105097704463},{"text":"Is that basic because you would like to boost your superannuation, or what kind of, I guess, reasoning for that?","start":621.255,"end":629.11505,"sentiment":"neutral","sentiment_score":0.06265790704637766},{"text":"Mhmm.","start":637.44995,"end":637.94995,"sentiment":"neutral","sentiment_score":-0.006198005750775337},{"text":"Mhmm.","start":645.05,"end":645.55,"sentiment":"neutral","sentiment_score":-0.05229702591896057}],"sentiment":"neutral","sentiment_score":0.019884802830907013,"num_words":65,"start":604.925,"end":645.55},{"sentences":[{"text":"Yep.","start":648.485,"end":648.965,"sentiment":"neutral","sentiment_score":0.03383753448724747},{"text":"Yep.","start":648.965,"end":649.465,"sentiment":"neutral","sentiment_score":0.04914014786481857},{"text":"Yes.","start":658.26,"end":658.76,"sentiment":"neutral","sentiment_score":0.04995368421077728},{"text":"Yes.","start":661.30005,"end":661.80005,"sentiment":"neutral","sentiment_score":0.07074381411075592},{"text":"That is correct.","start":662.34,"end":663.24005,"sentiment":"neutral","sentiment_score":0.15423612793286642}],"sentiment":"neutral","sentiment_score":0.09519765206745692,"num_words":7,"start":648.485,"end":663.24005},{"sentences":[{"text":"Yes.","start":663.30005,"end":663.80005,"sentiment":"neutral","sentiment_score":0.17386221885681152},{"text":"Sorry.","start":663.94,"end":664.34,"sentiment":"neutral","sentiment_score":0.24056227505207065},{"text":"You definitely can do that.","start":664.34,"end":665.88,"sentiment":"positive","sentiment_score":0.4045465350151062},{"text":"Why you would do it is more so like, you definitely can do it.","start":668.66003,"end":672.195,"sentiment":"positive","sentiment_score":0.5242222951991218},{"text":"And if I guess depends on where your other goals are.","start":672.675,"end":675.875,"sentiment":"neutral","sentiment_score":0.2473532963882793}],"sentiment":"positive","sentiment_score":0.3905361113138497,"num_words":32,"start":663.30005,"end":675.875},{"sentences":[{"text":"So often people will be like, okay.","start":675.875,"end":678.275,"sentiment":"neutral","sentiment_score":0.14980529568025044},{"text":"Well, I want to use unused cap space.","start":678.275,"end":681.175,"sentiment":"neutral","sentiment_score":0.11689088121056557},{"text":"And sometimes it's if you've sold an investment property, you wanna bring down, you know, CGT by making contributions into super and stuff like that.","start":681.715,"end":690.04,"sentiment":"neutral","sentiment_score":0.10993926212191582},{"text":"That's sometimes why we do those strategies.","start":690.04,"end":691.98,"sentiment":"neutral","sentiment_score":0.14172460777418955},{"text":"Other times, it's just because you have excess cash flow and you would like to put it into super so that you obviously compound and have more by the time you retire.","start":692.83997,"end":702.94,"sentiment":"neutral","sentiment_score":0.18222051905468106}],"sentiment":"neutral","sentiment_score":0.14627056375523156,"num_words":79,"start":675.875,"end":702.94},{"sentences":[{"text":"So I guess the the reason for why you want to do it, you definitely can if you have unused cap space.","start":703.51495,"end":711.055,"sentiment":"neutral","sentiment_score":0.28583710200407286},{"text":"Is there any particular reasoning why you would like to do it, or is it just that you guys have, you know, enough cash put aside that you would like to utilize some of it in a tax effective manner by still boosting your super essentially?","start":711.435,"end":725.02,"sentiment":"neutral","sentiment_score":0.23151188700095468},{"text":"Yep.","start":726.68,"end":727.16003,"sentiment":"neutral","sentiment_score":0.08744139969348907},{"text":"Your letter.","start":727.16003,"end":727.88,"sentiment":"neutral","sentiment_score":0.04233021289110184},{"text":"Yep.","start":727.88,"end":728.38,"sentiment":"neutral","sentiment_score":0.05415325611829758}],"sentiment":"neutral","sentiment_score":0.23839191844065985,"num_words":72,"start":703.51495,"end":728.38},{"sentences":[{"text":"Yep.","start":731.09503,"end":731.59503,"sentiment":"neutral","sentiment_score":0.03886821493506432},{"text":"Yep.","start":733.09503,"end":733.59503,"sentiment":"neutral","sentiment_score":0.0005523550207726657},{"text":"Yep.","start":735.495,"end":735.995,"sentiment":"neutral","sentiment_score":0.06067023426294327},{"text":"Yep.","start":737.015,"end":737.335,"sentiment":"neutral","sentiment_score":0.10256005823612212},{"text":"Yep.","start":737.335,"end":737.41504,"sentiment":"neutral","sentiment_score":0.1222684010863304}],"sentiment":"neutral","sentiment_score":0.06498385270824655,"num_words":5,"start":731.09503,"end":737.41504},{"sentences":[{"text":"Yep.","start":737.41504,"end":737.91504,"sentiment":"neutral","sentiment_score":0.14715032279491425},{"text":"Yep.","start":741.26996,"end":741.76996,"sentiment":"neutral","sentiment_score":0.23045194149017337},{"text":"Yep.","start":749.26996,"end":749.35,"sentiment":"neutral","sentiment_score":0.2012331187725067},{"text":"Yep.","start":749.35,"end":749.85,"sentiment":"neutral","sentiment_score":0.2879188060760498},{"text":"Perfect.","start":749.99,"end":750.49,"sentiment":"positive","sentiment_score":0.5619299411773682}],"sentiment":"neutral","sentiment_score":0.28573682606220246,"num_words":5,"start":737.41504,"end":750.49},{"sentences":[{"text":"So what I might get you to do as well, just so I can then run the numbers and stuff like that for you, is to find your unused cap space, you can do you have access to myGov?","start":751.19,"end":762.555,"sentiment":"neutral","sentiment_score":0.28607006256396955},{"text":"Yeah.","start":765.09503,"end":765.59503,"sentiment":"neutral","sentiment_score":0.08979460597038269},{"text":"Alright.","start":769.51,"end":770.01,"sentiment":"neutral","sentiment_score":0.05275183916091919},{"text":"Perfect.","start":771.03,"end":771.53,"sentiment":"neutral","sentiment_score":0.1553322672843933},{"text":"Mhmm.","start":774.87,"end":775.35004,"sentiment":"neutral","sentiment_score":0.025662463158369064}],"sentiment":"neutral","sentiment_score":0.2669831073388111,"num_words":43,"start":751.19,"end":775.35004},{"sentences":[{"text":"Mhmm.","start":775.35004,"end":775.85004,"sentiment":"neutral","sentiment_score":0.023589348420500755},{"text":"Yeah.","start":781.685,"end":782.185,"sentiment":"neutral","sentiment_score":0.008429111912846565},{"text":"Okay.","start":786.725,"end":787.225,"sentiment":"neutral","sentiment_score":-0.013004018925130367},{"text":"So because, obviously, it could obviously change with if you did go over the cap last financial year.","start":787.685,"end":792.725,"sentiment":"neutral","sentiment_score":-0.0612274601848589},{"text":"Because when you spoke to Dana, it was in July.","start":792.725,"end":797.48004,"sentiment":"neutral","sentiment_score":-0.017445959523320197}],"sentiment":"neutral","sentiment_score":-0.04056578829524017,"num_words":31,"start":775.35004,"end":797.48004},{"sentences":[{"text":"So it would be in this financial year depending on when when you guys did everything.","start":797.54004,"end":803.08,"sentiment":"neutral","sentiment_score":-0.028889118693768978},{"text":"But what I might get in the email when it comes to the contributions, I will just put again, just in case you can't find the email for the information, steps on how to just find it on myGov.","start":803.7,"end":813.175,"sentiment":"neutral","sentiment_score":0.1195602054015184},{"text":"It's very easy on the app.","start":813.175,"end":815.115,"sentiment":"positive","sentiment_score":0.6765719254811605},{"text":"And if you take a screenshot of your unused cap space and forward that to me, then I can use that as and to see as well how much we can utilize.","start":815.25494,"end":826.66003,"sentiment":"neutral","sentiment_score":0.2973010039422661},{"text":"Now if do you would you like to utilize all of the cap space, or do you have a certain amount that you would be like, oh, okay.","start":826.88,"end":835.2,"sentiment":"neutral","sentiment_score":0.22770868720752852}],"sentiment":"neutral","sentiment_score":0.19958288456536522,"num_words":121,"start":797.54004,"end":835.2},{"sentences":[{"text":"Well, if there's, you know, 10,000 unused, then I'm happy to use that.","start":835.2,"end":839.285,"sentiment":"positive","sentiment_score":0.42009115104491895},{"text":"Like, do you have a figure amount of how much you would want to put in, or would you just wanna maximize it?","start":839.285,"end":843.785,"sentiment":"neutral","sentiment_score":0.15870136314112207},{"text":"Okay.","start":847.925,"end":848.425,"sentiment":"neutral","sentiment_score":-0.07900623977184296},{"text":"How much?","start":849.78,"end":850.60004,"sentiment":"neutral","sentiment_score":-0.051113659515976906},{"text":"Mhmm.","start":850.66003,"end":851.16003,"sentiment":"neutral","sentiment_score":-0.0502520427107811}],"sentiment":"neutral","sentiment_score":0.2219957678578794,"num_words":40,"start":835.2,"end":851.16003},{"sentences":[{"text":"Yep.","start":853.22003,"end":853.62,"sentiment":"neutral","sentiment_score":0.04193931072950363},{"text":"Yep.","start":853.62,"end":854.12,"sentiment":"neutral","sentiment_score":0.04863303527235985},{"text":"So base yeah.","start":855.54004,"end":857.48004,"sentiment":"neutral","sentiment_score":-0.03781576082110405},{"text":"Yep.","start":859.22003,"end":859.72003,"sentiment":"neutral","sentiment_score":-0.05026791617274285},{"text":"Yep.","start":859.86005,"end":860.36005,"sentiment":"neutral","sentiment_score":-0.0020959030371159315}],"sentiment":"neutral","sentiment_score":-0.010748393667329634,"num_words":7,"start":853.22003,"end":860.36005},{"sentences":[{"text":"Yeah.","start":860.66003,"end":861.16003,"sentiment":"neutral","sentiment_score":-0.04000374674797058},{"text":"Well well, basically, it's like the the downside with doing it is that you don't have access to that money anymore.","start":861.7,"end":868.375,"sentiment":"negative","sentiment_score":-0.3489252339516367},{"text":"So by putting a big lump sum into superannuation, it's locked in onto your immediate condition of relief.","start":868.435,"end":873.255,"sentiment":"neutral","sentiment_score":-0.2048087873392635},{"text":"So for example, turning 60 and retiring.","start":873.47504,"end":875.97504,"sentiment":"neutral","sentiment_score":-0.08951546038900103},{"text":"That is the biggest downside is you don't have access to those money anymore.","start":876.26,"end":879.7,"sentiment":"negative","sentiment_score":-0.44797588884830475}],"sentiment":"neutral","sentiment_score":-0.29429938522030097,"num_words":61,"start":860.66003,"end":879.7},{"sentences":[{"text":"And if you need it for any particular reason, you might not get access to it.","start":879.7,"end":884.1,"sentiment":"neutral","sentiment_score":-0.28592071309685707},{"text":"So that is the biggest kind of flag for people.","start":884.1,"end":887.16,"sentiment":"neutral","sentiment_score":0.008025378733873368},{"text":"Aside from that is the more you put in because it is in a in a tax effective environment.","start":887.46,"end":892.415,"sentiment":"neutral","sentiment_score":0.20886462299447311},{"text":"So contributions going into the if you are under cap space or using unused cap space from previous years, it's only taxed at 15%.","start":892.415,"end":902.095,"sentiment":"neutral","sentiment_score":-0.022500792363037665},{"text":"Now, obviously, with your income being quite high, you will be taxed a lot.","start":902.095,"end":906.41003,"sentiment":"neutral","sentiment_score":0.06525948124804667}],"sentiment":"neutral","sentiment_score":-0.0018365790910390486,"num_words":83,"start":879.7,"end":906.41003},{"sentences":[{"text":"So you can then utilize that difference in the tax brackets to get a little bit back by putting more interest super.","start":906.79004,"end":915.03,"sentiment":"neutral","sentiment_score":0.16892779753966766},{"text":"So it is a very tax effective way.","start":915.03,"end":917.37,"sentiment":"positive","sentiment_score":0.4178224392235279},{"text":"But, obviously, aside from that, the benefit is you will have more interest superannuation as well, which will obviously compound and invest.","start":917.535,"end":924.83496,"sentiment":"neutral","sentiment_score":0.19040522521192377},{"text":"So if you obviously have to pay yes.","start":925.13495,"end":928.815,"sentiment":"neutral","sentiment_score":0.07857633708044887},{"text":"Sorry, Alan.","start":928.815,"end":929.45496,"sentiment":"neutral","sentiment_score":-0.05815701745450497}],"sentiment":"neutral","sentiment_score":0.18968068832351315,"num_words":62,"start":906.79004,"end":929.45496},{"sentences":[{"text":"You go.","start":929.45496,"end":930.03,"sentiment":"neutral","sentiment_score":-0.09865175187587738},{"text":"Yeah.","start":934.27,"end":934.59,"sentiment":"neutral","sentiment_score":0.025409206748008728},{"text":"Okay.","start":934.59,"end":935.09,"sentiment":"neutral","sentiment_score":0.04627784714102745},{"text":"Yep.","start":938.75,"end":939.25,"sentiment":"neutral","sentiment_score":-0.08374015986919403},{"text":"Yep.","start":942.52496,"end":943.02496,"sentiment":"neutral","sentiment_score":-0.10327868163585664}],"sentiment":"neutral","sentiment_score":-0.052105881894628205,"num_words":6,"start":929.45496,"end":943.02496},{"sentences":[{"text":"Great.","start":944.285,"end":944.785,"sentiment":"neutral","sentiment_score":0.02720077708363533},{"text":"Yeah.","start":946.20496,"end":946.70496,"sentiment":"neutral","sentiment_score":0.00245051272213459},{"text":"Yeah.","start":948.125,"end":948.285,"sentiment":"neutral","sentiment_score":0.13015183806419373},{"text":"Perfect.","start":948.285,"end":948.785,"sentiment":"neutral","sentiment_score":0.31008630990982056},{"text":"Alright.","start":948.845,"end":949.245,"sentiment":"neutral","sentiment_score":0.12662187218666077}],"sentiment":"neutral","sentiment_score":0.119302261993289,"num_words":5,"start":944.285,"end":949.245},{"sentences":[{"text":"So what I'll do is, obviously, after the call today, when we've kind of I'll put together a new recommendation for you.","start":949.245,"end":955.44,"sentiment":"neutral","sentiment_score":0.0987502709031105},{"text":"I will send you an email with the documents that I need just to finalize all of that.","start":956.08,"end":960.4,"sentiment":"neutral","sentiment_score":0.13793853049476942},{"text":"Obviously, take your time and send that back.","start":960.4,"end":962.58,"sentiment":"neutral","sentiment_score":0.09931553341448307},{"text":"And part of it is actually putting in the new statement of advice.","start":962.64,"end":966.82,"sentiment":"neutral","sentiment_score":0.11946987876525292},{"text":"And it'll go through in detail, you know, all the advantages and everything.","start":967.04,"end":970.625,"sentiment":"neutral","sentiment_score":0.17880146778546846}],"sentiment":"neutral","sentiment_score":0.12604663893580437,"num_words":74,"start":949.245,"end":970.625},{"sentences":[{"text":"We've kind of touched on the most ones of what it will look like, how much tax saving, and how we will do to your suit.","start":970.625,"end":976.325,"sentiment":"neutral","sentiment_score":0.17144425213336945},{"text":"And that would give us a clearer picture.","start":978.225,"end":980.645,"sentiment":"neutral","sentiment_score":0.166618712246418},{"text":"Now you also mentioned your wife.","start":980.785,"end":983.605,"sentiment":"neutral","sentiment_score":0.029657569558670122},{"text":"So has she what's her situate situation like at the 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you know because there are different ways you can put contributions into superannuation.","start":1017.31,"end":1024.065,"sentiment":"neutral","sentiment_score":0.11293542012572289},{"text":"Now, typically, what I would like to do as well is if we are looking to do anything in regards to her superannuation, I would like to do a bit more of kind of in-depth research in her situation as well.","start":1024.845,"end":1036.5449,"sentiment":"neutral","sentiment_score":0.1272654148136697},{"text":"Because if I say to you, okay.","start":1036.81,"end":1038.97,"sentiment":"neutral","sentiment_score":0.0470730076943125},{"text":"Will you put x amount into her superannuation?","start":1038.97,"end":1041.31,"sentiment":"neutral","sentiment_score":0.04123143572360277},{"text":"If I don't have a full, you know, picture and research on her account, then that might impact her.","start":1042.17,"end":1049.085,"sentiment":"neutral","sentiment_score":-0.05817598339758421}],"sentiment":"neutral","sentiment_score":0.07138198589006167,"num_words":89,"start":1017.31,"end":1049.085},{"sentences":[{"text":"So typically speaking, we would look to see if she would be interested in coming on board as a client depending on how much she would like to to do.","start":1050.9249,"end":1061.265,"sentiment":"neutral","sentiment_score":0.11248008037606876},{"text":"Would that be something she would be always been through exploring, like, doing some research and stuff, or what's her kind of situation like?","start":1062.5801,"end":1074.76,"sentiment":"neutral","sentiment_score":0.06971783315141995},{"text":"Or is it literally just superannuation?","start":1075.215,"end":1077.315,"sentiment":"neutral","sentiment_score":0.006292514503002167},{"text":"Yeah.","start":1080.335,"end":1080.835,"sentiment":"neutral","sentiment_score":0.04694574698805809},{"text":"Mhmm.","start":1087.135,"end":1087.635,"sentiment":"neutral","sentiment_score":-0.05299794673919678}],"sentiment":"neutral","sentiment_score":0.08192473055133896,"num_words":62,"start":1050.9249,"end":1087.635},{"sentences":[{"text":"Yep.","start":1088.3301,"end":1088.8301,"sentiment":"neutral","sentiment_score":-0.06744851171970367},{"text":"Yes.","start":1093.53,"end":1094.03,"sentiment":"neutral","sentiment_score":-0.08436626195907593},{"text":"Definitely.","start":1094.3301,"end":1094.8301,"sentiment":"neutral","sentiment_score":0.02601904422044754},{"text":"Yep.","start":1095.37,"end":1095.87,"sentiment":"neutral","sentiment_score":0.016415799036622047},{"text":"Yep.","start":1106.265,"end":1106.765,"sentiment":"neutral","sentiment_score":-0.13973969221115112}],"sentiment":"neutral","sentiment_score":-0.04982392452657223,"num_words":5,"start":1088.3301,"end":1106.765},{"sentences":[{"text":"Yep.","start":1106.985,"end":1107.485,"sentiment":"neutral","sentiment_score":-0.04513831064105034},{"text":"Yes.","start":1107.785,"end":1108.285,"sentiment":"neutral","sentiment_score":-0.00722850114107132},{"text":"And does she have any, like, intention going back full time?","start":1109.7051,"end":1115.03,"sentiment":"neutral","sentiment_score":-0.04359856315634467},{"text":"Or no.","start":1115.25,"end":1117.43,"sentiment":"neutral","sentiment_score":-0.15678955987095833},{"text":"No.","start":1117.89,"end":1118.13,"sentiment":"neutral","sentiment_score":-0.14368611574172974}],"sentiment":"neutral","sentiment_score":-0.061826015124097466,"num_words":16,"start":1106.985,"end":1118.13},{"sentences":[{"text":"That's okay.","start":1118.13,"end":1118.85,"sentiment":"neutral","sentiment_score":-0.035550812259316444},{"text":"Do you know roughly how much she would have in super by any chance?","start":1118.85,"end":1123.01,"sentiment":"neutral","sentiment_score":-0.023336815514734814},{"text":"Like, a rough estimate?","start":1123.01,"end":1124.23,"sentiment":"neutral","sentiment_score":-0.044782163109630346},{"text":"Okay.","start":1129.825,"end":1130.325,"sentiment":"neutral","sentiment_score":0.008508872240781784},{"text":"Okay.","start":1131.345,"end":1131.845,"sentiment":"neutral","sentiment_score":-0.013989660888910294}],"sentiment":"neutral","sentiment_score":-0.026473931036889553,"num_words":22,"start":1118.13,"end":1131.845},{"sentences":[{"text":"One fifty.","start":1133.4249,"end":1134.245,"sentiment":"neutral","sentiment_score":0.025116445496678352},{"text":"Yep.","start":1134.3049,"end":1134.8049,"sentiment":"neutral","sentiment_score":0.25029540061950684},{"text":"Okay.","start":1134.865,"end":1135.265,"sentiment":"positive","sentiment_score":0.4565922617912293},{"text":"Perfect.","start":1135.265,"end":1135.765,"sentiment":"positive","sentiment_score":0.7066097855567932},{"text":"That's good.","start":1138.18,"end":1138.5801,"sentiment":"positive","sentiment_score":0.7343879342079163}],"sentiment":"positive","sentiment_score":0.4189294581966741,"num_words":7,"start":1133.4249,"end":1138.5801},{"sentences":[{"text":"Now my what I might do is just to get a bit more in-depth research on her situation.","start":1138.5801,"end":1144.2001,"sentiment":"neutral","sentiment_score":0.13834545719954702},{"text":"Now if it is that we just look at exploring everything in regards to her superannuation, we can definitely just do that.","start":1144.5801,"end":1152.645,"sentiment":"neutral","sentiment_score":0.18026203560558232},{"text":"And, again, it's it's a free review where we can review her situation where things are at.","start":1152.965,"end":1158.165,"sentiment":"neutral","sentiment_score":0.1371485494515475},{"text":"Now if it then is that we can't help her anymore, at least I have the research so then I can look at, okay.","start":1158.165,"end":1164.3251,"sentiment":"neutral","sentiment_score":-0.10383309346313278},{"text":"Well, if we do contributions for you, how will that impact her?","start":1164.3251,"end":1167.21,"sentiment":"neutral","sentiment_score":-0.0064932263145844145}],"sentiment":"neutral","sentiment_score":0.06685586445914801,"num_words":93,"start":1138.5801,"end":1167.21},{"sentences":[{"text":"So it it is a little bit of a process, but then that that way, we can get the best outcome for both of you.","start":1168.1699,"end":1174.0299,"sentiment":"neutral","sentiment_score":0.2583939573168755},{"text":"Because when it comes through the spousal contributions, there is two different ways you can do it.","start":1174.25,"end":1179.61,"sentiment":"neutral","sentiment_score":0.03391890600323677},{"text":"Now I'm not sure if you kinda went through that with Dana, but you have spousal contribution, which is where you, the partner, would contribute directly into your spouse's account.","start":1179.61,"end":1190.2849,"sentiment":"neutral","sentiment_score":0.03553894907236099},{"text":"Now that is kind of after tax money.","start":1190.825,"end":1193.565,"sentiment":"neutral","sentiment_score":0.017673023510724306},{"text":"But, basically, how that works is that you can get a or she could get a tax offset of up to $540 if she earns the lowest threshold.","start":1193.9849,"end":1204.01,"sentiment":"neutral","sentiment_score":0.12621176402483666}],"sentiment":"neutral","sentiment_score":0.10905511470304595,"num_words":108,"start":1168.1699,"end":1204.01},{"sentences":[{"text":"So I know you said she'll get some income here and there, so that's very really good for me to kind of get more understanding because if she's above the threshold, then I wouldn't even explore that option.","start":1204.63,"end":1214.775,"sentiment":"neutral","sentiment_score":0.15293266761459803},{"text":"Otherwise, contribution splitting is where you utilize some of your contribution and give that to her.","start":1216.675,"end":1225.5751,"sentiment":"neutral","sentiment_score":0.10118013038299978},{"text":"So you don't put more in, but you utilize some of your contribution.","start":1225.81,"end":1230.0701,"sentiment":"neutral","sentiment_score":0.10005362217242901},{"text":"So whether that be salary sacrifice or your employer contribution, and then put that into her.","start":1230.77,"end":1237.35,"sentiment":"neutral","sentiment_score":0.10600818647071719},{"text":"So there's a bit of different ways I can do it, but to make sure that we do it in the most tax effective way, especially if you do have a little bit of leeway with you can make extra contributions if that will give her more at the end of it.","start":1237.49,"end":1251.385,"sentiment":"neutral","sentiment_score":0.1639434634349667}],"sentiment":"neutral","sentiment_score":0.14038675278425217,"num_words":135,"start":1204.63,"end":1251.385},{"sentences":[{"text":"I think kind of exploring, doing research for her anyway and seeing what her goals are as well would be very beneficial for both of you.","start":1252.245,"end":1260.9501,"sentiment":"positive","sentiment_score":0.36562918814329},{"text":"Now when would she and you're more than welcome to be on the call if you would like or, obviously, if you please say it, that's fine.","start":1263.73,"end":1272.165,"sentiment":"neutral","sentiment_score":0.2716740535365211},{"text":"When would she be open through a a phone call to kind of go through that?","start":1273.985,"end":1280.485,"sentiment":"neutral","sentiment_score":0.08346781344152987},{"text":"Or would you like to mhmm.","start":1280.63,"end":1284.77,"sentiment":"neutral","sentiment_score":0.03800149572392305},{"text":"Yep.","start":1286.31,"end":1286.81,"sentiment":"neutral","sentiment_score":0.04601728171110153}],"sentiment":"neutral","sentiment_score":0.2427772316885622,"num_words":76,"start":1252.245,"end":1286.81},{"sentences":[{"text":"Yes.","start":1287.5901,"end":1288.0901,"sentiment":"neutral","sentiment_score":0.17869102954864502},{"text":"That's okay.","start":1288.31,"end":1289.13,"sentiment":"neutral","sentiment_score":0.267868772149086},{"text":"What you can even do, if you would like, is I'll send you an email with the documents that I need, and we can definitely especially with you going away on holiday, I understand that this might not be a priority right now.","start":1291.1901,"end":1302.085,"sentiment":"neutral","sentiment_score":0.056755448496618933},{"text":"You you respond to me with the documents when you have a moment.","start":1302.385,"end":1306.225,"sentiment":"neutral","sentiment_score":0.09868697134348062},{"text":"And then also in that email, if you wanna respond when she would be available, once you kind of sorted out time frames, then I can kind of tee that up with the team, and then we can do kind of everything together.","start":1306.225,"end":1317.6399,"sentiment":"neutral","sentiment_score":0.1965777241559916}],"sentiment":"neutral","sentiment_score":0.12637927083700312,"num_words":102,"start":1287.5901,"end":1317.6399},{"sentences":[{"text":"And I can potentially even do, like, a joint strategy for both of you where we go through everything together.","start":1317.6399,"end":1324.2999,"sentiment":"neutral","sentiment_score":0.28808326944708823},{"text":"Would that does that sound that yep.","start":1326.115,"end":1328.455,"sentiment":"neutral","sentiment_score":0.24317663695131028},{"text":"Yep.","start":1332.515,"end":1333.015,"sentiment":"neutral","sentiment_score":0.1649913489818573},{"text":"Yep.","start":1337.01,"end":1337.51,"sentiment":"neutral","sentiment_score":0.09889371693134308},{"text":"Yep.","start":1341.65,"end":1342.15,"sentiment":"neutral","sentiment_score":0.1189051866531372}],"sentiment":"neutral","sentiment_score":0.26155640333890917,"num_words":30,"start":1317.6399,"end":1342.15},{"sentences":[{"text":"Yep.","start":1342.93,"end":1343.43,"sentiment":"neutral","sentiment_score":0.10860954225063324},{"text":"Mhmm.","start":1344.77,"end":1345.27,"sentiment":"neutral","sentiment_score":0.043877970427274704},{"text":"Twelve seventy.","start":1347.01,"end":1347.75,"sentiment":"neutral","sentiment_score":0.0471685491502285},{"text":"Okay.","start":1348.13,"end":1348.545,"sentiment":"neutral","sentiment_score":0.18553867936134336},{"text":"Perfect.","start":1348.865,"end":1349.365,"sentiment":"neutral","sentiment_score":0.31487128138542175}],"sentiment":"neutral","sentiment_score":0.12453909528752168,"num_words":6,"start":1342.93,"end":1349.365},{"sentences":[{"text":"I will kind of pencil that in a little bit with the team, and then, yeah, confirm with her as well when what time is that day works, and we can kind of, you know, touch base and see all of that.","start":1351.025,"end":1366.3,"sentiment":"neutral","sentiment_score":0.16963420240651994},{"text":"Now if it is that I look at contribution splitting, that obviously will impact your superannuation as well.","start":1367.56,"end":1376.38,"sentiment":"neutral","sentiment_score":0.10849503262175454},{"text":"On a joint kind of goals for you, the reason why you want to do it is to kind of help her as well, and you understand that that might mean that as a result, you will have a little bit less in your superannuation?","start":1376.92,"end":1390.435,"sentiment":"neutral","sentiment_score":-0.014222486896647348},{"text":"Yep.","start":1391.375,"end":1391.79,"sentiment":"neutral","sentiment_score":0.10157285630702972},{"text":"Yep.","start":1392.11,"end":1392.27,"sentiment":"neutral","sentiment_score":0.14969903230667114}],"sentiment":"neutral","sentiment_score":0.08120380436009336,"num_words":107,"start":1351.025,"end":1392.27},{"sentences":[{"text":"Yep.","start":1392.27,"end":1392.75,"sentiment":"neutral","sentiment_score":0.23936091363430023},{"text":"Perfect.","start":1392.75,"end":1393.25,"sentiment":"positive","sentiment_score":0.4857420921325683},{"text":"Do you have any max amounts that you would want to give to her or anything like that, or is it just whatever is going through help both of you?","start":1394.5901,"end":1406.585,"sentiment":"neutral","sentiment_score":0.14747341424226762},{"text":"Nope.","start":1407.885,"end":1408.385,"sentiment":"neutral","sentiment_score":-0.275571346282959},{"text":"Nope.","start":1409.7251,"end":1410.2251,"sentiment":"neutral","sentiment_score":-0.13498270511627197}],"sentiment":"neutral","sentiment_score":0.13937504063634312,"num_words":34,"start":1392.27,"end":1410.2251},{"sentences":[{"text":"That's okay.","start":1410.285,"end":1411.1051,"sentiment":"neutral","sentiment_score":-0.04057194013148546},{"text":"Yeah.","start":1416.7799,"end":1417.2799,"sentiment":"neutral","sentiment_score":-0.0843629240989685},{"text":"No worries.","start":1418.46,"end":1418.94,"sentiment":"neutral","sentiment_score":-0.04917578026652336},{"text":"That's it.","start":1418.94,"end":1419.2599,"sentiment":"neutral","sentiment_score":-0.09073320031166077},{"text":"And it is a lot, and it can be quite quite convoluted as well the more you go down it.","start":1419.2599,"end":1424.6399,"sentiment":"neutral","sentiment_score":-0.15878644697368144}],"sentiment":"neutral","sentiment_score":-0.13411310018488654,"num_words":27,"start":1410.285,"end":1424.6399},{"sentences":[{"text":"Even have a think about it, and, again, I can pop it in the email.","start":1425.1,"end":1427.985,"sentiment":"neutral","sentiment_score":0.01833953013022741},{"text":"Obviously, have a think about it, and I will still run the numbers anyway to make sure it makes sense.","start":1428.465,"end":1433.205,"sentiment":"neutral","sentiment_score":0.06307999268174172},{"text":"But as a bit of a guide because you can do up to 85%.","start":1433.905,"end":1437.605,"sentiment":"neutral","sentiment_score":0.06460755238575595},{"text":"But that might not mean that we want to do everything because, again, that will obviously impact you whether if there is an amount that you go, okay.","start":1439.4249,"end":1447.3999,"sentiment":"neutral","sentiment_score":-0.0036191941638078007},{"text":"Well, I would be open to doing 10 or 15 or whatever it is if that math works out.","start":1447.3999,"end":1453.1599,"sentiment":"neutral","sentiment_score":0.1564211206216561}],"sentiment":"neutral","sentiment_score":0.055331899939725794,"num_words":96,"start":1425.1,"end":1453.1599},{"sentences":[{"text":"Then at least that gives me a bit of an indication of how to do it if that makes sense.","start":1453.1599,"end":1459.375,"sentiment":"neutral","sentiment_score":0.07682115975767374},{"text":"Alright.","start":1459.675,"end":1460.175,"sentiment":"neutral","sentiment_score":0.13425461947917938},{"text":"Perfect.","start":1460.3151,"end":1460.8151,"sentiment":"neutral","sentiment_score":0.18277788162231445},{"text":"Now while we are kind of talking about this, let me see if there was anything else.","start":1461.755,"end":1467.295,"sentiment":"neutral","sentiment_score":0.030259363901089218},{"text":"No.","start":1470.46,"end":1470.7799,"sentiment":"neutral","sentiment_score":-0.03248318284749985}],"sentiment":"neutral","sentiment_score":0.05838454249314964,"num_words":40,"start":1453.1599,"end":1470.7799},{"sentences":[{"text":"Okay.","start":1470.7799,"end":1471.1,"sentiment":"neutral","sentiment_score":-0.009398933500051498},{"text":"Yep.","start":1471.1,"end":1471.34,"sentiment":"neutral","sentiment_score":0.007189744152128696},{"text":"That was everything with the contribution wise.","start":1471.34,"end":1473.52,"sentiment":"neutral","sentiment_score":0.0016164574772119522},{"text":"Assets and liabilities.","start":1475.1799,"end":1476.4,"sentiment":"neutral","sentiment_score":-0.01840980847676595},{"text":"So I have here your property was lost side at about 1,000,000.","start":1476.86,"end":1481.0399,"sentiment":"neutral","sentiment_score":-0.04642810020595789}],"sentiment":"neutral","sentiment_score":-0.02513585895455132,"num_words":24,"start":1470.7799,"end":1481.0399},{"sentences":[{"text":"About that.","start":1487.355,"end":1487.915,"sentiment":"neutral","sentiment_score":0.06231135502457619},{"text":"Perfect.","start":1487.915,"end":1488.415,"sentiment":"neutral","sentiment_score":0.2103801667690277},{"text":"Now I do have here that you had 448 on the mortgage, but in the offset, there was 443.","start":1488.635,"end":1495.9349,"sentiment":"neutral","sentiment_score":0.07207381784131653},{"text":"That sounds about right?","start":1499.01,"end":1500.31,"sentiment":"neutral","sentiment_score":0.11871409974992275},{"text":"Yeah.","start":1503.01,"end":1503.51,"sentiment":"neutral","sentiment_score":0.09616146236658096}],"sentiment":"neutral","sentiment_score":0.0842749361914617,"num_words":27,"start":1487.355,"end":1503.51},{"sentences":[{"text":"Yeah.","start":1504.53,"end":1505.03,"sentiment":"neutral","sentiment_score":0.14046692848205566},{"text":"Yeah.","start":1505.09,"end":1505.41,"sentiment":"neutral","sentiment_score":0.17964014410972595},{"text":"That would be good.","start":1505.41,"end":1506.47,"sentiment":"positive","sentiment_score":0.49481383711099625},{"text":"Perfect.","start":1507.89,"end":1508.39,"sentiment":"neutral","sentiment_score":0.2182639241218567},{"text":"Now, otherwise, I have here investment portfolio around 54,000.","start":1508.53,"end":1514.545,"sentiment":"neutral","sentiment_score":-0.0075586918327543474}],"sentiment":"neutral","sentiment_score":0.15309988241642714,"num_words":16,"start":1504.53,"end":1514.545},{"sentences":[{"text":"Yeah?","start":1519.645,"end":1520.145,"sentiment":"neutral","sentiment_score":0.00910092331469059},{"text":"Oh, wow.","start":1524.86,"end":1525.42,"sentiment":"neutral","sentiment_score":0.2224172055721283},{"text":"Perfect.","start":1525.42,"end":1525.92,"sentiment":"positive","sentiment_score":0.34886693954467773},{"text":"$1.90.","start":1526.3,"end":1527.28,"sentiment":"neutral","sentiment_score":0.20689022541046145},{"text":"I want it.","start":1537.755,"end":1538.235,"sentiment":"neutral","sentiment_score":0.24204851190249124}],"sentiment":"neutral","sentiment_score":0.216979754390195,"num_words":8,"start":1519.645,"end":1538.235},{"sentences":[{"text":"Perfect.","start":1538.235,"end":1538.7151,"sentiment":"positive","sentiment_score":0.575361430644989},{"text":"I can always send you this in the email as well, and you can just confirm the figure.","start":1538.7151,"end":1542.415,"sentiment":"positive","sentiment_score":0.34485990471310085},{"text":"That's no problem.","start":1544.395,"end":1545.4551,"sentiment":"neutral","sentiment_score":0.28336528937021893},{"text":"Do you also have the motor vehicle by that about fifteen?","start":1545.675,"end":1549.295,"sentiment":"neutral","sentiment_score":0.08213943852619691},{"text":"Yep.","start":1552.1,"end":1552.6,"sentiment":"neutral","sentiment_score":0.08581515401601791}],"sentiment":"neutral","sentiment_score":0.25359660474693074,"num_words":34,"start":1538.235,"end":1552.6},{"sentences":[{"text":"Perfect.","start":1552.9,"end":1553.4,"sentiment":"neutral","sentiment_score":0.20911359786987305},{"text":"Any other assets in the last twelve months?","start":1554.26,"end":1556.68,"sentiment":"neutral","sentiment_score":0.061956088058650494},{"text":"Nope.","start":1562.435,"end":1562.675,"sentiment":"neutral","sentiment_score":0.03963940590620041},{"text":"Perfect.","start":1562.675,"end":1563.175,"sentiment":"neutral","sentiment_score":0.06721790134906769},{"text":"Any other liabilities, like personal loans, credit cards, tip pay?","start":1563.235,"end":1566.935,"sentiment":"neutral","sentiment_score":0.03076935764402151}],"sentiment":"neutral","sentiment_score":0.053300627906407626,"num_words":21,"start":1552.9,"end":1566.935},{"sentences":[{"text":"Nope.","start":1568.435,"end":1568.915,"sentiment":"neutral","sentiment_score":0.03258341923356056},{"text":"Perfect.","start":1568.915,"end":1569.415,"sentiment":"neutral","sentiment_score":0.15541186928749084},{"text":"Now health and lifestyle wise, I have you down here as a nonsmooth gap with not really taking any, you know, medication or anything like that.","start":1570.115,"end":1578.22,"sentiment":"neutral","sentiment_score":0.099874406050031},{"text":"Is that correct?","start":1578.22,"end":1579.12,"sentiment":"neutral","sentiment_score":0.09197130302588145},{"text":"Yep.","start":1579.82,"end":1580.0599,"sentiment":"neutral","sentiment_score":0.09092515707015993}],"sentiment":"neutral","sentiment_score":0.09848652849905193,"num_words":32,"start":1568.435,"end":1580.0599},{"sentences":[{"text":"Perfect.","start":1580.0599,"end":1580.5599,"sentiment":"neutral","sentiment_score":0.2371879369020462},{"text":"And now do you have private health insurance?","start":1581.58,"end":1583.6799,"sentiment":"neutral","sentiment_score":0.05568335531279445},{"text":"Perfect.","start":1586.0599,"end":1586.5599,"sentiment":"neutral","sentiment_score":0.22508785128593445},{"text":"And that is hospital as well as extras?","start":1586.86,"end":1589.42,"sentiment":"neutral","sentiment_score":0.08178431820124388},{"text":"Or yep.","start":1589.42,"end":1591.9149,"sentiment":"neutral","sentiment_score":0.07383887469768524}],"sentiment":"neutral","sentiment_score":0.08548474628478289,"num_words":20,"start":1580.0599,"end":1591.9149},{"sentences":[{"text":"Perfect.","start":1591.9149,"end":1592.4149,"sentiment":"positive","sentiment_score":0.44476160407066345},{"text":"That's good.","start":1594.1549,"end":1595.115,"sentiment":"positive","sentiment_score":0.49801066517829895},{"text":"Especially with your income as well.","start":1595.115,"end":1597.115,"sentiment":"neutral","sentiment_score":0.32744525124629337},{"text":"You don't wanna pay the additional medical levy by not having hospitals, so that's great.","start":1597.115,"end":1603.455,"sentiment":"neutral","sentiment_score":0.08075351069370905},{"text":"When it comes to estate planning, do you have a will in place?","start":1605.75,"end":1609.4501,"sentiment":"neutral","sentiment_score":0.03654803120746063}],"sentiment":"neutral","sentiment_score":0.13761841913534179,"num_words":37,"start":1591.9149,"end":1609.4501},{"sentences":[{"text":"No?","start":1612.87,"end":1613.27,"sentiment":"neutral","sentiment_score":-0.06812354922294617},{"text":"That's okay.","start":1613.27,"end":1614.09,"sentiment":"neutral","sentiment_score":-0.011053800582885742},{"text":"Do you have anyone who makes any financial decisions for you or power of attorney?","start":1615.91,"end":1622.135,"sentiment":"neutral","sentiment_score":-0.013606175531943638},{"text":"Alright.","start":1622.135,"end":1622.375,"sentiment":"neutral","sentiment_score":0.023086562752723697},{"text":"Perfect.","start":1622.375,"end":1622.875,"sentiment":"neutral","sentiment_score":0.04314228892326355}],"sentiment":"neutral","sentiment_score":-0.01140474658459425,"num_words":20,"start":1612.87,"end":1622.875},{"sentences":[{"text":"And are you politically exposed at all, involved in politics directly?","start":1623.495,"end":1629.4349,"sentiment":"neutral","sentiment_score":-0.037046276879581536},{"text":"Alright.","start":1629.815,"end":1630.135,"sentiment":"neutral","sentiment_score":0.007803160231560469},{"text":"Perfect.","start":1630.135,"end":1630.635,"sentiment":"neutral","sentiment_score":0.036255598068237305},{"text":"And are you a tax resident in any foreign jurisdiction?","start":1631.015,"end":1634.235,"sentiment":"neutral","sentiment_score":-0.002302682586014271},{"text":"No.","start":1636.39,"end":1636.7101,"sentiment":"neutral","sentiment_score":-0.031597673892974854}],"sentiment":"neutral","sentiment_score":-0.017419782797029864,"num_words":24,"start":1623.495,"end":1636.7101},{"sentences":[{"text":"Great.","start":1636.7101,"end":1637.2101,"sentiment":"neutral","sentiment_score":0.2071709781885147},{"text":"Perfect.","start":1637.8301,"end":1638.3301,"sentiment":"neutral","sentiment_score":0.1962435096502304},{"text":"Now when it kind of comes to goals and other things that you want to work on aside on what, obviously, the contributions and stuff like that, like, we've spoken about, Do you have any other financial or nonfinancial goals that you are working towards?","start":1638.63,"end":1654.755,"sentiment":"neutral","sentiment_score":0.0548235771453215},{"text":"Not really.","start":1661.71,"end":1662.53,"sentiment":"neutral","sentiment_score":-0.11317304521799088},{"text":"No.","start":1662.59,"end":1663.09,"sentiment":"neutral","sentiment_score":-0.10795000195503236}],"sentiment":"neutral","sentiment_score":0.05072358733974397,"num_words":50,"start":1636.7101,"end":1663.09},{"sentences":[{"text":"No.","start":1667.71,"end":1668.21,"sentiment":"neutral","sentiment_score":-0.050810229033231735},{"text":"Yeah.","start":1669.63,"end":1670.13,"sentiment":"neutral","sentiment_score":-0.03648865595459938},{"text":"Not directly.","start":1671.15,"end":1671.97,"sentiment":"neutral","sentiment_score":-0.03468781150877476},{"text":"Because I have here no.","start":1672.27,"end":1674.485,"sentiment":"neutral","sentiment_score":-0.11829747706651687},{"text":"Because I have here that last time as a kind of medium term goal for three to five years was potentially looking at an investment property.","start":1674.785,"end":1684.165,"sentiment":"neutral","sentiment_score":-0.05570552068261}],"sentiment":"neutral","sentiment_score":-0.06275729803102358,"num_words":35,"start":1667.71,"end":1684.165},{"sentences":[{"text":"Is that still kind of on the card or not really anymore?","start":1684.545,"end":1687.925,"sentiment":"neutral","sentiment_score":-0.07082760178794463},{"text":"Mhmm.","start":1692.1101,"end":1692.6101,"sentiment":"neutral","sentiment_score":-0.01464792713522911},{"text":"Yes.","start":1698.27,"end":1698.77,"sentiment":"neutral","sentiment_score":0.06642189621925354},{"text":"Yep.","start":1699.55,"end":1700.05,"sentiment":"neutral","sentiment_score":0.02943797223269939},{"text":"Yes.","start":1704.2849,"end":1704.605,"sentiment":"neutral","sentiment_score":0.03553418815135956}],"sentiment":"neutral","sentiment_score":-0.045824068249203265,"num_words":16,"start":1684.545,"end":1704.605},{"sentences":[{"text":"Yes.","start":1704.605,"end":1705.105,"sentiment":"neutral","sentiment_score":0.05083005875349045},{"text":"Just equity and other things.","start":1705.6449,"end":1707.0249,"sentiment":"neutral","sentiment_score":0.013106583058834076},{"text":"Yep.","start":1710.445,"end":1710.945,"sentiment":"neutral","sentiment_score":-0.0006962990155443549},{"text":"Yeah.","start":1712.86,"end":1713.36,"sentiment":"neutral","sentiment_score":-0.013110550120472908},{"text":"For now, no.","start":1713.58,"end":1714.72,"sentiment":"neutral","sentiment_score":-0.08707878490289052}],"sentiment":"neutral","sentiment_score":-0.014425475436093455,"num_words":11,"start":1704.605,"end":1714.72},{"sentences":[{"text":"No.","start":1714.86,"end":1715.36,"sentiment":"neutral","sentiment_score":-0.1835390031337738},{"text":"No.","start":1716.2999,"end":1716.7,"sentiment":"neutral","sentiment_score":-0.009873691946268082},{"text":"That's good.","start":1716.7,"end":1717.6799,"sentiment":"neutral","sentiment_score":0.1621597222983837},{"text":"Otherwise, I had here that when you spoke to Dana, you were basically had a holiday planned in 2024.","start":1718.2999,"end":1724.38,"sentiment":"neutral","sentiment_score":0.025707255754815906},{"text":"Obviously, holiday coming up soon.","start":1724.38,"end":1727.155,"sentiment":"neutral","sentiment_score":0.03891758881509304}],"sentiment":"neutral","sentiment_score":0.029069019747631892,"num_words":28,"start":1714.86,"end":1727.155},{"sentences":[{"text":"You were doing some bathroom renovations and, otherwise, just kind of focusing on putting more money into the savings for the share portfolio.","start":1727.375,"end":1735.715,"sentiment":"neutral","sentiment_score":0.021962307393550873},{"text":"Yep.","start":1740.03,"end":1740.53,"sentiment":"neutral","sentiment_score":0.028202896937727928},{"text":"Yep.","start":1744.11,"end":1744.61,"sentiment":"neutral","sentiment_score":-0.033096130937337875},{"text":"Yep.","start":1747.9501,"end":1748.4501,"sentiment":"neutral","sentiment_score":-0.031438328325748444},{"text":"Yep.","start":1756.285,"end":1756.785,"sentiment":"neutral","sentiment_score":-0.06568039953708649}],"sentiment":"neutral","sentiment_score":0.014930411414415748,"num_words":27,"start":1727.375,"end":1756.785},{"sentences":[{"text":"Yep.","start":1757.645,"end":1758.145,"sentiment":"neutral","sentiment_score":-0.03246622532606125},{"text":"Yep.","start":1770.54,"end":1770.8601,"sentiment":"neutral","sentiment_score":-0.023427993059158325},{"text":"Yep.","start":1770.8601,"end":1771.26,"sentiment":"neutral","sentiment_score":0.029374506324529648},{"text":"Yep.","start":1771.26,"end":1771.76,"sentiment":"neutral","sentiment_score":0.018883945420384407},{"text":"No.","start":1772.06,"end":1772.38,"sentiment":"neutral","sentiment_score":-0.057087503373622894}],"sentiment":"neutral","sentiment_score":-0.012944654002785683,"num_words":5,"start":1757.645,"end":1772.38},{"sentences":[{"text":"That's perfect.","start":1772.38,"end":1773.28,"sentiment":"neutral","sentiment_score":0.0779697373509407},{"text":"No.","start":1775.3049,"end":1775.465,"sentiment":"neutral","sentiment_score":0.07197790592908859},{"text":"That's still that's still really gold.","start":1775.465,"end":1777.065,"sentiment":"neutral","sentiment_score":0.23037329564491907},{"text":"And and, again, kind of with your financial situation, you are in a very good position already and, obviously, compounding and still plenty of time until retirement, you know, to tryna get close as close to that as possible.","start":1777.065,"end":1791.23,"sentiment":"neutral","sentiment_score":0.28556556885059065},{"text":"So I guess talking about retirement or, like, more so your superannuation goal is that I have that ideally, you wanna retire at the age of 60?","start":1791.5299,"end":1800.2699,"sentiment":"neutral","sentiment_score":0.09682130717017033}],"sentiment":"neutral","sentiment_score":0.2048185284435749,"num_words":75,"start":1772.38,"end":1800.2699},{"sentences":[{"text":"Yep.","start":1802.0249,"end":1802.5249,"sentiment":"neutral","sentiment_score":0.13486865162849426},{"text":"And an ideal income per week of a thousand dollars per week.","start":1803.065,"end":1806.445,"sentiment":"neutral","sentiment_score":0.288318894803524},{"text":"Do you feel like a thousand dollars would be sufficient, or do you think that you would like to draw a higher income per week Ideally.","start":1806.985,"end":1816.1,"sentiment":"neutral","sentiment_score":0.18828308467681593},{"text":"Mhmm.","start":1824.72,"end":1825.22,"sentiment":"neutral","sentiment_score":0.10574951767921448},{"text":"Yes.","start":1825.44,"end":1825.94,"sentiment":"neutral","sentiment_score":0.1532692313194275}],"sentiment":"neutral","sentiment_score":0.213392057069918,"num_words":41,"start":1802.0249,"end":1825.94},{"sentences":[{"text":"Okay.","start":1830.175,"end":1830.675,"sentiment":"neutral","sentiment_score":-0.005900561809539795},{"text":"Yep.","start":1834.015,"end":1834.515,"sentiment":"neutral","sentiment_score":0.08962792158126831},{"text":"Should we do them?","start":1835.9349,"end":1836.995,"sentiment":"neutral","sentiment_score":0.050043596886098385},{"text":"Yep.","start":1838.495,"end":1838.975,"sentiment":"neutral","sentiment_score":0.2912910580635071},{"text":"Okay.","start":1838.975,"end":1839.475,"sentiment":"positive","sentiment_score":0.3590184450149536}],"sentiment":"neutral","sentiment_score":0.11677640629932284,"num_words":8,"start":1830.175,"end":1839.475},{"sentences":[{"text":"Yes.","start":1844.1901,"end":1844.6901,"sentiment":"positive","sentiment_score":0.3572906255722046},{"text":"Right.","start":1846.11,"end":1846.61,"sentiment":"neutral","sentiment_score":0.22718873620033264},{"text":"Yep.","start":1846.99,"end":1847.47,"sentiment":"neutral","sentiment_score":0.16569840908050537},{"text":"And that's honestly what most people say.","start":1847.47,"end":1849.57,"sentiment":"neutral","sentiment_score":0.22362456364291056},{"text":"Again, it's kind of like you're touching.","start":1849.79,"end":1851.31,"sentiment":"neutral","sentiment_score":0.12093546347958702}],"sentiment":"neutral","sentiment_score":0.1860057623947368,"num_words":17,"start":1844.1901,"end":1851.31},{"sentences":[{"text":"It does depends on how extravagant you want your retirement and your goals, but most people aim of around a thousand.","start":1851.31,"end":1857.925,"sentiment":"neutral","sentiment_score":0.16067183904704593},{"text":"Some go up to 2,000, again, depending on their lifestyle.","start":1857.925,"end":1862.025,"sentiment":"neutral","sentiment_score":0.14507697746157647},{"text":"So you you sit pretty much in, you know, that that average at least in terms of what you want and want that to look like.","start":1862.5651,"end":1870.83,"sentiment":"neutral","sentiment_score":0.1818731430058296},{"text":"Alright.","start":1870.83,"end":1871.3099,"sentiment":"positive","sentiment_score":0.4501187205314636},{"text":"Perfect.","start":1871.3099,"end":1871.8099,"sentiment":"positive","sentiment_score":0.6687190532684326}],"sentiment":"neutral","sentiment_score":0.1808884387551728,"num_words":59,"start":1851.31,"end":1871.8099},{"sentences":[{"text":"So the other thing I do quickly wanna run through with you is just an updated risk profile questionnaire.","start":1872.03,"end":1877.8099,"sentiment":"neutral","sentiment_score":0.2251486546899143},{"text":"Now that kind of goes hand in hand as well with reviewing, obviously, contributions and stuff like that if we need to make any changes to your risk profile.","start":1878.27,"end":1886.365,"sentiment":"neutral","sentiment_score":0.17910816571835814},{"text":"Now some of the questions can be a bit tricky.","start":1888.1849,"end":1890.265,"sentiment":"neutral","sentiment_score":-0.07779530361294747},{"text":"It's all multiple choice to make it nice and easy.","start":1890.265,"end":1893.005,"sentiment":"neutral","sentiment_score":0.22574477046728134},{"text":"If it doesn't make sense, just let me know.","start":1893.3049,"end":1895.725,"sentiment":"neutral","sentiment_score":-0.14181244538889992}],"sentiment":"neutral","sentiment_score":0.12565121954524672,"num_words":77,"start":1872.03,"end":1895.725},{"sentences":[{"text":"Perfect.","start":1897.1799,"end":1897.6799,"sentiment":"positive","sentiment_score":0.4641037583351135},{"text":"Now the the first question here is in regards to inflation.","start":1898.1399,"end":1902.1599,"sentiment":"neutral","sentiment_score":0.01669055629860271},{"text":"So, basically, how much risk are you willing to take in order to make sure thinking about superannuation in this instance, in order to make sure that you stay on top of, obviously, the rising of prices, would you say that you are willing to accept very high risk, thinking long term, high, medium, or a small amount of risk?","start":1903.34,"end":1922.985,"sentiment":"neutral","sentiment_score":-0.018650404922664166},{"text":"The growth?","start":1937.705,"end":1938.285,"sentiment":"neutral","sentiment_score":0.05992845632135868},{"text":"Yep.","start":1938.905,"end":1939.405,"sentiment":"neutral","sentiment_score":0.1333511918783188}],"sentiment":"neutral","sentiment_score":-0.002908217509587606,"num_words":75,"start":1897.1799,"end":1939.405},{"sentences":[{"text":"Perfect.","start":1939.5449,"end":1940.0449,"sentiment":"positive","sentiment_score":0.3398831784725189},{"text":"So would you say very high or just kind of high?","start":1940.4249,"end":1944.265,"sentiment":"neutral","sentiment_score":0.0930469117381356},{"text":"Like, a bit more than moderate but high?","start":1944.265,"end":1947.405,"sentiment":"neutral","sentiment_score":0.070477778557688},{"text":"Very high.","start":1949.8899,"end":1950.61,"sentiment":"neutral","sentiment_score":0.16174175590276718},{"text":"Yeah.","start":1950.61,"end":1951.0099,"sentiment":"neutral","sentiment_score":0.20337456464767456}],"sentiment":"neutral","sentiment_score":0.10669910923942276,"num_words":23,"start":1939.5449,"end":1951.0099},{"sentences":[{"text":"Perfect.","start":1951.0099,"end":1951.5099,"sentiment":"positive","sentiment_score":0.3758721649646759},{"text":"You do have plenty of time until retirement.","start":1951.6499,"end":1954.07,"sentiment":"neutral","sentiment_score":0.2600976340472698},{"text":"You're trying to utilize the time frame.","start":1954.21,"end":1956.7899,"sentiment":"neutral","sentiment_score":0.09214800809110914},{"text":"Sorry.","start":1956.9299,"end":1957.33,"sentiment":"neutral","sentiment_score":0.0020764172077178955},{"text":"Let me see 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market.","start":1970.775,"end":1982.6699,"sentiment":"neutral","sentiment_score":-0.196360178788503}],"sentiment":"neutral","sentiment_score":-0.11005814133151885,"num_words":62,"start":1958.69,"end":1982.6699},{"sentences":[{"text":"So it's not like one particular investment that's gone bad or anything like that, just the market as a whole, which, obviously, we have seen a little bit recently, bit of those fluctuations.","start":1982.6699,"end":1993.125,"sentiment":"neutral","sentiment_score":-0.17308660438566498},{"text":"Would you invest more money to try to take advantage of while the prices are down?","start":1994.2251,"end":1999.525,"sentiment":"neutral","sentiment_score":-0.09208685485646129},{"text":"Would you hold, wait to see what happens?","start":2000.2251,"end":2003.285,"sentiment":"neutral","sentiment_score":-0.10162197519093752},{"text":"Or would you want to sell out and shift to a more secure asset?","start":2003.99,"end":2007.8501,"sentiment":"neutral","sentiment_score":-0.102823121207101},{"text":"So that means you are obviously selling when the prices have dropped.","start":2008.2301,"end":2011.8501,"sentiment":"neutral","sentiment_score":-0.18230919912457466}],"sentiment":"neutral","sentiment_score":-0.14006575313677272,"num_words":83,"start":1982.6699,"end":2011.8501},{"sentences":[{"text":"Invest more?","start":2016.2451,"end":2016.885,"sentiment":"neutral","sentiment_score":-0.010289515368640423},{"text":"Perfect.","start":2016.885,"end":2017.385,"sentiment":"neutral","sentiment_score":0.10977493226528168},{"text":"And if you had the option to do so, would you invest heavily or just a little bit?","start":2017.685,"end":2022.425,"sentiment":"neutral","sentiment_score":0.03165852940744824},{"text":"Quite heavily?","start":2025.6051,"end":2026.3451,"sentiment":"neutral","sentiment_score":0.0014881361275911331},{"text":"Perfect.","start":2026.405,"end":2026.905,"sentiment":"neutral","sentiment_score":0.11313047260046004}],"sentiment":"neutral","sentiment_score":0.03229817398823798,"num_words":24,"start":2016.2451,"end":2026.905},{"sentences":[{"text":"Now next one here is kind of in regards to fluctuations again.","start":2029.62,"end":2036.36,"sentiment":"neutral","sentiment_score":-0.04172588357081016},{"text":"So if you obviously saw any of your personal investments or superannuation or anything like that drop in value, Would you say that that would make you feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, concerned, or highly anxious?","start":2036.58,"end":2055.4849,"sentiment":"neutral","sentiment_score":-0.10460366558362828},{"text":"The quest yeah.","start":2058.85,"end":2059.81,"sentiment":"neutral","sentiment_score":0.0479507160683473},{"text":"Of course.","start":2059.81,"end":2060.29,"sentiment":"neutral","sentiment_score":0.10365385189652443},{"text":"So if you kind of notice any of your investments, so whether that is your personal investments or the company shares or your superannuation drop, would you say that if you notice it, you would feel, you know, optimistic about potential opportunities, what that might mean, or a bit more kind of neutral, or would you say that it would make you feel quite concerned and anxious?","start":2060.29,"end":2086.65,"sentiment":"neutral","sentiment_score":0.12350912147493505}],"sentiment":"neutral","sentiment_score":0.024497619126247996,"num_words":131,"start":2029.62,"end":2086.65},{"sentences":[{"text":"Yep.","start":2096.165,"end":2096.665,"sentiment":"neutral","sentiment_score":0.08139854669570923},{"text":"Like, yes.","start":2101.045,"end":2101.865,"sentiment":"neutral","sentiment_score":-0.04384251683950424},{"text":"No.","start":2104.965,"end":2105.205,"sentiment":"neutral","sentiment_score":-0.0749640241265297},{"text":"That makes 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maybe more towards the neutral way if you had to kind of And the last one here is, would you ever consider taking out a loan or borrow money to invest in stocks or funds?","start":2123.895,"end":2138.34,"sentiment":"neutral","sentiment_score":-0.01695056197543939},{"text":"No.","start":2140.72,"end":2141.22,"sentiment":"neutral","sentiment_score":-0.125356525182724},{"text":"Would you ever borrow for an investment property?","start":2141.3599,"end":2144.505,"sentiment":"neutral","sentiment_score":-0.13116289395838976},{"text":"I know you said you're not really too keen on investment property right now, but if you wanted to go down the investment property, would you feel okay to borrow money, or would you just use, like, savings and stuff?","start":2144.9849,"end":2155.6448,"sentiment":"neutral","sentiment_score":-0.13079793862998484}],"sentiment":"neutral","sentiment_score":-0.08116219201406767,"num_words":86,"start":2123.335,"end":2155.6448},{"sentences":[{"text":"Yep.","start":2167.32,"end":2167.82,"sentiment":"neutral","sentiment_score":-0.06543463468551636},{"text":"Yep.","start":2172.6948,"end":2172.9348,"sentiment":"neutral","sentiment_score":-0.01702815666794777},{"text":"Yep.","start":2172.9348,"end":2173.4348,"sentiment":"neutral","sentiment_score":0.02145380899310112},{"text":"Yeah.","start":2174.6948,"end":2175.1948,"sentiment":"neutral","sentiment_score":0.07050248980522156},{"text":"And and most people are the same, honestly.","start":2175.255,"end":2177.595,"sentiment":"neutral","sentiment_score":0.0707961143925786}],"sentiment":"neutral","sentiment_score":0.04798853521545728,"num_words":12,"start":2167.32,"end":2177.595},{"sentences":[{"text":"Yep.","start":2182.3901,"end":2182.87,"sentiment":"neutral","sentiment_score":0.03718571364879608},{"text":"Yep.","start":2182.87,"end":2183.37,"sentiment":"neutral","sentiment_score":-0.0032296255230903625},{"text":"And then it's tax deductible.","start":2188.31,"end":2189.69,"sentiment":"neutral","sentiment_score":-0.0453316930681467},{"text":"If it's an investment property, it's tax deductible for you as well.","start":2189.83,"end":2193.93,"sentiment":"neutral","sentiment_score":0.09662251733243465},{"text":"Sorry.","start":2193.99,"end":2194.49,"sentiment":"neutral","sentiment_score":0.028970178216695786}],"sentiment":"neutral","sentiment_score":0.04978690044954419,"num_words":20,"start":2182.3901,"end":2194.49},{"sentences":[{"text":"The the loan, you do kind of, yes, you have the loan, but it is tax deductible, the interest as well.","start":2194.55,"end":2200.965,"sentiment":"neutral","sentiment_score":0.12952435335942677},{"text":"So it is kind of that that principal as well.","start":2200.965,"end":2204.985,"sentiment":"neutral","sentiment_score":0.15493758618831635},{"text":"Alright.","start":2206.085,"end":2206.485,"sentiment":"positive","sentiment_score":0.4071624279022217},{"text":"Perfect.","start":2206.485,"end":2206.965,"sentiment":"positive","sentiment_score":0.6288981437683105},{"text":"Now that tells me here, Alan, that you have come out as a high growth investor.","start":2206.965,"end":2210.425,"sentiment":"positive","sentiment_score":0.3777513559907675}],"sentiment":"neutral","sentiment_score":0.23162182755008034,"num_words":49,"start":2194.55,"end":2210.425},{"sentences":[{"text":"And at the moment, we have you in a growth portfolio.","start":2211.0999,"end":2214.32,"sentiment":"neutral","sentiment_score":0.11996941403909163},{"text":"Do you know the difference between those two at all?","start":2215.0999,"end":2218.24,"sentiment":"neutral","sentiment_score":0.041881779581308363},{"text":"Alright.","start":2220.06,"end":2220.56,"sentiment":"neutral","sentiment_score":0.08221577107906342},{"text":"So they're both fairly similar in that you are looking at getting as much growth as you possibly can out of superannuation while you do have the time.","start":2220.6199,"end":2228.9548,"sentiment":"neutral","sentiment_score":0.26348275797707693},{"text":"You are kind of prepared to experience, you know, some levels of fluctuation in order to achieve that growth.","start":2229.815,"end":2236.38,"sentiment":"neutral","sentiment_score":0.1484070333995317}],"sentiment":"neutral","sentiment_score":0.17417315911987555,"num_words":69,"start":2211.0999,"end":2236.38},{"sentences":[{"text":"Now, typically, the difference between them is that they're kind of one step from each other on the scale.","start":2236.8599,"end":2242.72,"sentiment":"neutral","sentiment_score":0.1368160353679406},{"text":"So in your growth portfolio, so how you are currently invested, we typically see 80% of the money invested in your growth assets.","start":2243.3398,"end":2253.015,"sentiment":"neutral","sentiment_score":0.21042928358782892},{"text":"So that will be your Australian shares, international shares, kind of property and commodities, which is what's going to kind of maximize that growth for you, and about 20% goes in their defensive investment.","start":2253.395,"end":2265.575,"sentiment":"positive","sentiment_score":0.3565757822464494},{"text":"So that will be your fixed interest, cash.","start":2265.715,"end":2268.03,"sentiment":"neutral","sentiment_score":0.1945868544280529},{"text":"Gold can kind of be a bit in between as well.","start":2268.35,"end":2271.09,"sentiment":"neutral","sentiment_score":0.1311683715744452}],"sentiment":"neutral","sentiment_score":0.23750001803824777,"num_words":95,"start":2236.8599,"end":2271.09},{"sentences":[{"text":"Now your high growth is then 90%.","start":2271.6301,"end":2276.11,"sentiment":"neutral","sentiment_score":0.1801955508334296},{"text":"So it's about a 10% difference.","start":2276.11,"end":2278.05,"sentiment":"neutral","sentiment_score":0.15672560532887778},{"text":"So 90 in growth, 10 in defensive.","start":2278.51,"end":2281.17,"sentiment":"neutral","sentiment_score":0.11919890876327242},{"text":"Obviously, if we're looking at long term in a high growth portfolio, typically, you see a little bit more fluctuations and volatility than your growth portfolio.","start":2282.0452,"end":2289.745,"sentiment":"neutral","sentiment_score":0.0643576797671043},{"text":"But in the long term, you will, you know, see potentially higher returns.","start":2290.125,"end":2295.0251,"sentiment":"neutral","sentiment_score":0.19938242951264748}],"sentiment":"neutral","sentiment_score":0.12375230689422559,"num_words":59,"start":2271.6301,"end":2295.0251},{"sentences":[{"text":"Now when we are looking at a time frame as well, so making sure you have enough time in the market to withstand those fluctuations, in a high growth portfolio, we want to allow at least eight years on your retirement, growth, six years.","start":2296.14,"end":2310.555,"sentiment":"neutral","sentiment_score":0.1700719842179255},{"text":"So you certainly have the time behind you to be in a high growth portfolio, but it's also what you are comfortable with.","start":2310.555,"end":2318.795,"sentiment":"neutral","sentiment_score":0.15153606527525446},{"text":"So do you feel like you are comfortable with the growth where you are at, or would you like to look at increasing it up through a high growth portfolio, or what are your kind of initial thoughts?","start":2318.795,"end":2331.83,"sentiment":"neutral","sentiment_score":0.18078127081849074},{"text":"High growth?","start":2336.53,"end":2337.01,"sentiment":"neutral","sentiment_score":0.19493486732244492},{"text":"Yep.","start":2337.01,"end":2337.4102,"sentiment":"positive","sentiment_score":0.3756437301635742}],"sentiment":"neutral","sentiment_score":0.17225646817435822,"num_words":108,"start":2296.14,"end":2337.4102},{"sentences":[{"text":"Perfect.","start":2337.4102,"end":2337.9102,"sentiment":"positive","sentiment_score":0.6315269470214844},{"text":"Now, again, I will do all the research for you.","start":2339.355,"end":2343.275,"sentiment":"positive","sentiment_score":0.36668393909931185},{"text":"So I will research all of it to see if there's any, you know, capital gains associated with making this switch, what the fees and returns and everything like that would look like, presented to you, and then, obviously, you can let me know kind of how how you feel about it before doing any changes.","start":2343.275,"end":2359.0,"sentiment":"neutral","sentiment_score":0.2629720852045076},{"text":"Perfect.","start":2359.8599,"end":2360.3599,"sentiment":"positive","sentiment_score":0.3426606059074402},{"text":"So kind of talking about your superannuation.","start":2360.5798,"end":2362.8398,"sentiment":"neutral","sentiment_score":0.1273420708520072}],"sentiment":"neutral","sentiment_score":0.2701181094845136,"num_words":75,"start":2337.4102,"end":2362.8398},{"sentences":[{"text":"Do you have access to your emails at the moment, Alan, or not really?","start":2363.22,"end":2367.32,"sentiment":"neutral","sentiment_score":0.0441572724708489},{"text":"Yeah.","start":2368.155,"end":2368.395,"sentiment":"neutral","sentiment_score":0.08207974582910538},{"text":"Okay.","start":2368.395,"end":2368.7952,"sentiment":"neutral","sentiment_score":0.16671237349510193},{"text":"Amazing.","start":2368.7952,"end":2369.2952,"sentiment":"positive","sentiment_score":0.3886316418647766},{"text":"I have just sent you an email with some documents to go through.","start":2369.915,"end":2374.655,"sentiment":"neutral","sentiment_score":0.18052247453194398}],"sentiment":"neutral","sentiment_score":0.12008059148987134,"num_words":30,"start":2363.22,"end":2374.655},{"sentences":[{"text":"Did that one come through okay?","start":2375.595,"end":2377.135,"sentiment":"neutral","sentiment_score":0.08196379865209262},{"text":"Yeah.","start":2378.875,"end":2379.2751,"sentiment":"neutral","sentiment_score":0.16017034649848938},{"text":"Perfect.","start":2379.2751,"end":2379.675,"sentiment":"neutral","sentiment_score":0.2939772307872772},{"text":"Now we have recently changed the software, so they might look a little bit different to what you were used to.","start":2379.675,"end":2384.55,"sentiment":"neutral","sentiment_score":0.07790969223493621},{"text":"But, essentially, before you click on the link where it says sign now, you should see a couple of attachments at the bottom of that email.","start":2384.55,"end":2392.57,"sentiment":"neutral","sentiment_score":0.05389688665477129}],"sentiment":"neutral","sentiment_score":0.07242459925738248,"num_words":55,"start":2375.595,"end":2392.57},{"sentences":[{"text":"Can you see them?","start":2393.03,"end":2394.01,"sentiment":"neutral","sentiment_score":0.0324346823617816},{"text":"Yep.","start":2394.07,"end":2394.55,"sentiment":"neutral","sentiment_score":0.1244158372282982},{"text":"Perfect.","start":2394.55,"end":2395.05,"sentiment":"neutral","sentiment_score":0.32647883892059326},{"text":"Now which one is first for you?","start":2395.955,"end":2397.555,"sentiment":"neutral","sentiment_score":0.1768136875970023},{"text":"And we can do it that way to make it easier.","start":2397.555,"end":2399.735,"sentiment":"neutral","sentiment_score":0.2555429921908812}],"sentiment":"neutral","sentiment_score":0.1928875888697803,"num_words":24,"start":2393.03,"end":2399.735},{"sentences":[{"text":"Yep.","start":2403.795,"end":2404.295,"sentiment":"neutral","sentiment_score":0.08286294341087341},{"text":"Yep.","start":2408.93,"end":2409.3298,"sentiment":"neutral","sentiment_score":0.1826186180114746},{"text":"Perfect.","start":2409.3298,"end":2409.8298,"sentiment":"positive","sentiment_score":0.3723804354667664},{"text":"So at the bottom two, I'll let you have a read over in your own time.","start":2409.89,"end":2412.77,"sentiment":"neutral","sentiment_score":0.2596106268465519},{"text":"It is just an updated financial services guide, one of those compliance documents, but it gives you all the information about the team, our advisers, our directors, everything in there for you.","start":2412.77,"end":2423.1099,"sentiment":"neutral","sentiment_score":0.27125863544642925}],"sentiment":"neutral","sentiment_score":0.2641550658964643,"num_words":51,"start":2403.795,"end":2423.1099},{"sentences":[{"text":"We've had a bit of an extension to the team, which is great, a bit of revamp in marketing.","start":2423.225,"end":2427.645,"sentiment":"positive","sentiment_score":0.5009240382596066},{"text":"So you would have seen this before.","start":2427.705,"end":2429.625,"sentiment":"neutral","sentiment_score":0.01879411722932543},{"text":"It's just a bit of an updated version.","start":2429.625,"end":2431.465,"sentiment":"neutral","sentiment_score":0.031823048600926995},{"text":"So I'll let you have a read over that.","start":2431.465,"end":2433.485,"sentiment":"neutral","sentiment_score":0.06511497166421679},{"text":"As you do, you will also see there's a photo of all the advisers, so you will see myself in there and also then Dana who you spoke to last year if you wanna put a a face to the employee.","start":2433.625,"end":2444.46,"sentiment":"neutral","sentiment_score":0.08759047100093306}],"sentiment":"neutral","sentiment_score":0.1676302856233503,"num_words":84,"start":2423.225,"end":2444.46},{"sentences":[{"text":"Otherwise, if you wanna open that, it's super insurance summary for me.","start":2445.24,"end":2448.735,"sentiment":"neutral","sentiment_score":0.08143030696858962},{"text":"Alright.","start":2451.135,"end":2451.5352,"sentiment":"neutral","sentiment_score":0.2826036214828491},{"text":"Perfect.","start":2451.5352,"end":2452.0352,"sentiment":"positive","sentiment_score":0.5760737657546997},{"text":"Now that shows you kind of your current situation.","start":2452.0952,"end":2454.435,"sentiment":"neutral","sentiment_score":0.30426691141393447},{"text":"So you'll have 24 accounts.","start":2454.655,"end":2456.435,"sentiment":"neutral","sentiment_score":0.14292392134666443}],"sentiment":"neutral","sentiment_score":0.1888879600114056,"num_words":28,"start":2445.24,"end":2456.435},{"sentences":[{"text":"You do have about $261,711 in there.","start":2456.655,"end":2461.955,"sentiment":"neutral","sentiment_score":0.1496663455452238},{"text":"And then underneath that, you have your insurances.","start":2462.25,"end":2464.91,"sentiment":"neutral","sentiment_score":0.10189639776945114},{"text":"So with your insurances, you have them with Pell.","start":2465.61,"end":2468.59,"sentiment":"neutral","sentiment_score":0.10399347129795286},{"text":"You have a life and TPD of $593,745.","start":2468.89,"end":2475.765,"sentiment":"neutral","sentiment_score":0.09630624298006296},{"text":"Now when we just look at your life and TPD, are you happy with those amounts, or what are your thoughts in regards through the insurances?","start":2476.325,"end":2484.585,"sentiment":"neutral","sentiment_score":0.0568675110833003}],"sentiment":"neutral","sentiment_score":0.0870307254251735,"num_words":58,"start":2456.655,"end":2484.585},{"sentences":[{"text":"Yep.","start":2486.885,"end":2487.385,"sentiment":"neutral","sentiment_score":0.25609827041625977},{"text":"Perfect.","start":2487.525,"end":2488.025,"sentiment":"positive","sentiment_score":0.4276156425476074},{"text":"Now the other one is in your income protection.","start":2488.325,"end":2490.505,"sentiment":"neutral","sentiment_score":0.04241896544893583},{"text":"So income protection is obviously if you, are temporarily unable to work and can cover you for a monthly benefit.","start":2491.26,"end":2497.84,"sentiment":"neutral","sentiment_score":0.011797718517482281},{"text":"Now your monthly benefit is 6,976.","start":2498.3,"end":2503.04,"sentiment":"neutral","sentiment_score":0.07351585850119591}],"sentiment":"neutral","sentiment_score":0.047095516847597586,"num_words":37,"start":2486.885,"end":2503.04},{"sentences":[{"text":"And, typically, you can have, 70% of your income covered.","start":2503.355,"end":2507.115,"sentiment":"neutral","sentiment_score":0.09672776646912098},{"text":"So because your income has increased, quite a bit from when we took out the policy, which is fantastic, it does mean that there is a little bit of a gap.","start":2507.115,"end":2515.98,"sentiment":"neutral","sentiment_score":0.12545359903766262},{"text":"Now if something were to happen to you, would you be comfortable with the level of cover you have at the moment?","start":2516.54,"end":2522.8599,"sentiment":"neutral","sentiment_score":-0.019649013876914978},{"text":"Like, do you think that would meet your like, what you need?","start":2522.8599,"end":2527.52,"sentiment":"neutral","sentiment_score":0.022319690013925236},{"text":"Yep.","start":2527.74,"end":2528.205,"sentiment":"neutral","sentiment_score":0.05540890246629715}],"sentiment":"neutral","sentiment_score":0.062464554107895025,"num_words":76,"start":2503.355,"end":2528.205},{"sentences":[{"text":"Perfect.","start":2528.445,"end":2528.945,"sentiment":"neutral","sentiment_score":0.21974065899848935},{"text":"Yep.","start":2529.485,"end":2529.985,"sentiment":"neutral","sentiment_score":0.08403288573026657},{"text":"Perfect.","start":2530.2852,"end":2530.7852,"sentiment":"neutral","sentiment_score":-0.09435904771089554},{"text":"We're happy to leave it as is.","start":2530.925,"end":2532.865,"sentiment":"neutral","sentiment_score":0.23745417142552988},{"text":"Yep.","start":2534.0452,"end":2534.445,"sentiment":"neutral","sentiment_score":0.1636631190776825}],"sentiment":"neutral","sentiment_score":0.1850233469158411,"num_words":11,"start":2528.445,"end":2534.445},{"sentences":[{"text":"Perfect.","start":2534.445,"end":2534.945,"sentiment":"positive","sentiment_score":0.4152098894119262},{"text":"Now you have a thirteen week waiting period, four year benefit period.","start":2536.125,"end":2540.385,"sentiment":"neutral","sentiment_score":0.24532363439599672},{"text":"Everything comes out of superannuation.","start":2540.605,"end":2542.385,"sentiment":"positive","sentiment_score":0.3344103515148163},{"text":"And because you are pretty low risk, which is great, it's pretty cheap for you.","start":2543.52,"end":2547.28,"sentiment":"positive","sentiment_score":0.45268912315368653},{"text":"So it's only about $821 per year for all those rates.","start":2547.28,"end":2551.7,"sentiment":"neutral","sentiment_score":0.21061448854478923}],"sentiment":"neutral","sentiment_score":0.3213236700235443,"num_words":44,"start":2534.445,"end":2551.7},{"sentences":[{"text":"Now with, obviously, insurance as well, I can see that you don't have trauma insurance.","start":2553.84,"end":2557.84,"sentiment":"neutral","sentiment_score":-0.16100712766249975},{"text":"I know I think you spoke to my colleague, Dana, last year, and it because it's an out of pocket expense, it wasn't really something you're interested in.","start":2557.84,"end":2564.845,"sentiment":"neutral","sentiment_score":-0.2280272732355765},{"text":"Just confirming that's still the case.","start":2564.845,"end":2566.705,"sentiment":"neutral","sentiment_score":0.010850769351236522},{"text":"Yeah.","start":2567.965,"end":2568.2852,"sentiment":"neutral","sentiment_score":0.1996411681175232},{"text":"Great.","start":2568.2852,"end":2568.7852,"sentiment":"positive","sentiment_score":0.4831608831882477}],"sentiment":"neutral","sentiment_score":-0.15788164506118527,"num_words":51,"start":2553.84,"end":2568.7852},{"sentences":[{"text":"Now what's the next attachment you can see there, Alan?","start":2569.0051,"end":2572.065,"sentiment":"neutral","sentiment_score":0.12621273547410966},{"text":"Yes.","start":2577.28,"end":2577.6,"sentiment":"neutral","sentiment_score":0.16811107099056244},{"text":"Perfect.","start":2577.6,"end":2578.08,"sentiment":"positive","sentiment_score":0.447584331035614},{"text":"If you wanna open this one for me.","start":2578.08,"end":2581.36,"sentiment":"neutral","sentiment_score":0.2195331361144781},{"text":"Now this one here shows you an overview of your portfolio.","start":2581.36,"end":2584.48,"sentiment":"neutral","sentiment_score":0.21697079999880356}],"sentiment":"neutral","sentiment_score":0.19421827889257862,"num_words":31,"start":2569.0051,"end":2584.48},{"sentences":[{"text":"So this is kind of a little bit more in-depth in regards to your portfolio.","start":2584.48,"end":2587.76,"sentiment":"neutral","sentiment_score":0.21269109348456064},{"text":"It can look a little bit messy, but because you are pretty across investments, it probably makes more sense to you, which is great.","start":2587.76,"end":2594.5452,"sentiment":"neutral","sentiment_score":0.2737013877679904},{"text":"Essentially, you have, obviously, all your individual investments, how they have performed, and where they're sitting at at the moment in a twelve month period.","start":2595.3252,"end":2603.425,"sentiment":"neutral","sentiment_score":0.10691465735435486},{"text":"Now all the internal rate of return, that's all the net of all fees as well.","start":2603.78,"end":2608.98,"sentiment":"neutral","sentiment_score":0.1406251946464181},{"text":"So it shows you the net of everything.","start":2608.98,"end":2610.76,"sentiment":"neutral","sentiment_score":0.12319300696253777}],"sentiment":"neutral","sentiment_score":0.17804106037047776,"num_words":88,"start":2584.48,"end":2610.76},{"sentences":[{"text":"Now if you look on page two, for example, for me, you will see the total portfolio.","start":2611.22,"end":2616.28,"sentiment":"neutral","sentiment_score":0.07159880877417676},{"text":"So yep.","start":2618.965,"end":2619.525,"sentiment":"neutral","sentiment_score":0.1730346903204918},{"text":"Perfect.","start":2619.525,"end":2619.845,"sentiment":"positive","sentiment_score":0.4250584542751312},{"text":"Now if you look on the second column to the right, that tells you that overall, in the last twelve months, after fees, obviously, despite the the fluctuations we've had in the last twelve months, your portfolio has still gone up by 10.16%, which is actually really good given what's kind of going on in the market.","start":2619.845,"end":2639.2202,"sentiment":"neutral","sentiment_score":0.2542316439120393},{"text":"Mhmm.","start":2640.32,"end":2640.7202,"sentiment":"neutral","sentiment_score":0.0918881893157959}],"sentiment":"neutral","sentiment_score":0.2124538394407584,"num_words":78,"start":2611.22,"end":2640.7202},{"sentences":[{"text":"Now as you scroll up, you will then see the individual investments and how they've done.","start":2640.7202,"end":2644.845,"sentiment":"neutral","sentiment_score":0.1162619381211698},{"text":"So you can see here that the two in brackets are down.","start":2644.925,"end":2648.705,"sentiment":"neutral","sentiment_score":0.17290845016638437},{"text":"The others are positive.","start":2648.765,"end":2650.065,"sentiment":"positive","sentiment_score":0.33662553131580353},{"text":"Now when we look at that as well and when we look at the one that says hack, so the beta shares global cybersecurity, That one is a bit more it's one of your satellite investments, so the goal is to try to maximize growth.","start":2650.525,"end":2663.36,"sentiment":"neutral","sentiment_score":0.13130712923076418},{"text":"It can be a little bit more volatile depending on what is going on in the market, and we've obviously seen a bit of a shift with AI and everything like that.","start":2663.36,"end":2671.625,"sentiment":"neutral","sentiment_score":-0.07831226661801338}],"sentiment":"neutral","sentiment_score":0.07967360386061012,"num_words":109,"start":2640.7202,"end":2671.625},{"sentences":[{"text":"So we still see opportunities in this space.","start":2671.625,"end":2674.845,"sentiment":"positive","sentiment_score":0.41904228180646896},{"text":"It's not something we're too concerned about, and it is it is more of like your cyclical investment.","start":2675.4648,"end":2681.405,"sentiment":"neutral","sentiment_score":0.08516200900905663},{"text":"The other one, though, is the Benelon Australian equity.","start":2682.9502,"end":2685.6902,"sentiment":"neutral","sentiment_score":0.09222579333517286},{"text":"We've done a lot of sorry.","start":2686.4702,"end":2687.9902,"sentiment":"neutral","sentiment_score":-0.002777023861805598},{"text":"Do you are you quite familiar with, like, the difference between managed funds and ETFs and direct shares and stuff like that?","start":2687.9902,"end":2693.61,"sentiment":"neutral","sentiment_score":-0.010546370536427607}],"sentiment":"neutral","sentiment_score":0.08677149621681088,"num_words":63,"start":2671.625,"end":2693.61},{"sentences":[{"text":"But no.","start":2701.845,"end":2702.565,"sentiment":"neutral","sentiment_score":-0.07858188450336456},{"text":"That's true.","start":2702.565,"end":2704.485,"sentiment":"neutral","sentiment_score":0.005424339324235916},{"text":"I'll just run it through sim very, very simplified and short for you.","start":2704.485,"end":2707.685,"sentiment":"neutral","sentiment_score":0.18143213884188578},{"text":"But, essentially, direct shares, pretty simple.","start":2707.685,"end":2709.57,"sentiment":"neutral","sentiment_score":0.12894875928759575},{"text":"You invest directly into a particular company.","start":2709.57,"end":2711.83,"sentiment":"neutral","sentiment_score":0.12616373598575592}],"sentiment":"neutral","sentiment_score":0.12897138074040412,"num_words":30,"start":2701.845,"end":2711.83},{"sentences":[{"text":"So let's say, obviously, BHP, you wanna invest directly in them, that's your direct share.","start":2712.1301,"end":2717.35,"sentiment":"neutral","sentiment_score":0.12274521241585414},{"text":"Now let's say you wanna invest in the oil industry as a whole, but not into one particular investment.","start":2717.57,"end":2723.825,"sentiment":"neutral","sentiment_score":0.09396506708703543},{"text":"So this is where your ETF or exchange traded fund comes in very handy.","start":2723.825,"end":2727.925,"sentiment":"neutral","sentiment_score":0.17251025619251387},{"text":"How the ETFs work is that they basically track an index.","start":2728.225,"end":2732.085,"sentiment":"neutral","sentiment_score":0.10516794432293285},{"text":"Now you have different ones.","start":2732.465,"end":2734.17,"sentiment":"neutral","sentiment_score":0.06976255774497986}],"sentiment":"neutral","sentiment_score":0.1179268472478725,"num_words":64,"start":2712.1301,"end":2734.17},{"sentences":[{"text":"So for example, your IVV, iShares S and P 500.","start":2734.41,"end":2739.39,"sentiment":"neutral","sentiment_score":0.08741902485489846},{"text":"The way that this one works, which you may have heard of, basically just tracks the 500 largest companies in The US.","start":2739.6099,"end":2746.99,"sentiment":"neutral","sentiment_score":0.08092901584776965},{"text":"So as a company gets bigger, gets into that 500, it gets added to the investment, a smaller company comes out.","start":2747.105,"end":2753.6848,"sentiment":"neutral","sentiment_score":0.06378027441955748},{"text":"So you don't need as much of that kind of active management because you are following a particular index or trend or whatever it might be for those investments.","start":2754.2249,"end":2762.2249,"sentiment":"neutral","sentiment_score":0.0031998717579348334},{"text":"So these are manager.","start":2762.2249,"end":2773.48,"sentiment":"neutral","sentiment_score":0.058985198847949505}],"sentiment":"neutral","sentiment_score":0.0502645515858434,"num_words":86,"start":2734.41,"end":2773.48},{"sentences":[{"text":"So your managed funds are a little bit different in that you have a fund manager who actively buys and sells different investments in order to try to outperform the market.","start":2774.1,"end":2785.335,"sentiment":"neutral","sentiment_score":0.07146238607745017},{"text":"Now depending on who the fund manager is, they would have different styles of investments that they're focusing on, and depending on which one it is, there's different targets and stuff like that.","start":2785.875,"end":2796.54,"sentiment":"neutral","sentiment_score":0.04593253892027971},{"text":"They tend to have a bit smaller, I guess, companies in the portfolio, but it does depend on on which one.","start":2796.6,"end":2803.34,"sentiment":"neutral","sentiment_score":-0.006900496603477569},{"text":"And it is more of the active buying and selling individual shares that they think are going to be good for different metrics.","start":2803.425,"end":2809.845,"sentiment":"neutral","sentiment_score":0.032876034307739006},{"text":"So it works a little bit differently.","start":2810.145,"end":2811.905,"sentiment":"neutral","sentiment_score":0.019995063011135374}],"sentiment":"neutral","sentiment_score":0.03897662221089653,"num_words":115,"start":2774.1,"end":2811.905},{"sentences":[{"text":"Does that make sense?","start":2811.905,"end":2813.0452,"sentiment":"neutral","sentiment_score":0.016492211259901524},{"text":"Yeah.","start":2814.145,"end":2814.5452,"sentiment":"neutral","sentiment_score":0.21262669563293457},{"text":"Perfect.","start":2814.5452,"end":2815.0452,"sentiment":"positive","sentiment_score":0.508562445640564},{"text":"So with the Benelon Australian Equities, that is one of your managed fund, and that's the one that is down at the moment.","start":2815.185,"end":2820.8298,"sentiment":"neutral","sentiment_score":0.0833430398741494},{"text":"Now when that was added to your portfolio, when you came on board and up until quite recently, they've done really well.","start":2820.8298,"end":2826.51,"sentiment":"neutral","sentiment_score":0.15220490301197226}],"sentiment":"neutral","sentiment_score":0.11867756411141041,"num_words":51,"start":2811.905,"end":2826.51},{"sentences":[{"text":"They were one of the best performing one, and they did exactly that.","start":2826.51,"end":2829.8699,"sentiment":"positive","sentiment_score":0.41688935917157394},{"text":"They outperformed, and they were doing really well.","start":2829.8699,"end":2832.345,"sentiment":"positive","sentiment_score":0.5945423394441605},{"text":"That's not to say it's always going to be the case, especially at different trends and stuff do change.","start":2832.905,"end":2837.885,"sentiment":"neutral","sentiment_score":0.0340671355615517},{"text":"So we've done quite a lot of in-depth research recently in Bennelong, and we are looking at potentially swapping that one out.","start":2838.105,"end":2846.49,"sentiment":"neutral","sentiment_score":0.09313023344359615},{"text":"The reason is that if they are underperforming a little bit now and they have been a little bit slower in actually making those choices and some of their conviction haven't actually played out, there there might not be a reason to keep it in the portfolio if we can swap it for something that's going to do better for you.","start":2846.57,"end":2864.4448,"sentiment":"neutral","sentiment_score":-0.12177949655251424}],"sentiment":"neutral","sentiment_score":0.04425603094722742,"num_words":123,"start":2826.51,"end":2864.4448},{"sentences":[{"text":"So if you are happy for me to do so as part of, obviously, when I am reviewing your your high growth portfolio as well as, you know, the contributions and everything like that, I would like to look at a potential option to swap that out for you to make sure that we always have you in the best position and that we can obviously improve the returns and performance and everything like that.","start":2864.9048,"end":2885.565,"sentiment":"positive","sentiment_score":0.3717443166176478},{"text":"Are you happy for me to kind of do a bit more in-depth in regards to that?","start":2885.805,"end":2890.145,"sentiment":"neutral","sentiment_score":0.08642370713984265},{"text":"Yeah.","start":2892.045,"end":2892.365,"sentiment":"neutral","sentiment_score":0.09068700671195984},{"text":"Great.","start":2892.365,"end":2892.865,"sentiment":"positive","sentiment_score":0.4751538038253784},{"text":"Perfect.","start":2892.925,"end":2893.425,"sentiment":"positive","sentiment_score":0.4158951938152313}],"sentiment":"neutral","sentiment_score":0.31928171339003664,"num_words":95,"start":2864.9048,"end":2893.425},{"sentences":[{"text":"And even though you have been along in the portfolio, like we said, we have kind of underperformed, All your other investments have done done well.","start":2894.2048,"end":2902.97,"sentiment":"neutral","sentiment_score":0.15880523235178912},{"text":"You can even see the beta shares agriculture that's up by 42%.","start":2902.97,"end":2906.91,"sentiment":"positive","sentiment_score":0.35257788475913304},{"text":"So that's also why your portfolio is structured with the diversification so they kind of work and negating each other where it's, like, some areas might do really well, other ones not, and they kind of obviously work in that tandem.","start":2907.1301,"end":2919.485,"sentiment":"neutral","sentiment_score":0.06699903922655233},{"text":"So despite that, you still have gone up that 10.16%, which is great.","start":2919.485,"end":2924.225,"sentiment":"positive","sentiment_score":0.5471957623958588},{"text":"Yeah.","start":2925.485,"end":2925.805,"sentiment":"positive","sentiment_score":0.4621078968048096}],"sentiment":"neutral","sentiment_score":0.20088692553221218,"num_words":93,"start":2894.2048,"end":2925.805},{"sentences":[{"text":"Perfect.","start":2925.805,"end":2926.305,"sentiment":"positive","sentiment_score":0.5293839573860168},{"text":"Now when we are talking about super as well, I do wanted to check.","start":2926.7,"end":2930.72,"sentiment":"neutral","sentiment_score":0.06716036743351392},{"text":"I'm not sure do you read our newsletters every now and then or not really?","start":2930.94,"end":2935.1199,"sentiment":"neutral","sentiment_score":-0.025199758633971215},{"text":"Yes.","start":2937.8198,"end":2938.3198,"sentiment":"neutral","sentiment_score":-0.015290622599422932},{"text":"No.","start":2941.275,"end":2941.775,"sentiment":"neutral","sentiment_score":-0.08598627895116806}],"sentiment":"neutral","sentiment_score":0.03094861938734539,"num_words":32,"start":2925.805,"end":2941.775},{"sentences":[{"text":"That's okay.","start":2941.995,"end":2942.735,"sentiment":"neutral","sentiment_score":-0.010470448061823845},{"text":"Most people are the same.","start":2943.355,"end":2944.735,"sentiment":"neutral","sentiment_score":0.024973897263407707},{"text":"So the reason I do ask is that in our native latest newsletter, we we put some information in regards to that we have recently teamed up with BlackRock, which you may have heard of, and created our own SMA, so a self managed account alongside that.","start":2944.795,"end":2965.635,"sentiment":"neutral","sentiment_score":0.043916902564307476},{"text":"Is that are you familiar what an SMA is?","start":2967.315,"end":2970.215,"sentiment":"neutral","sentiment_score":0.00902994204726484},{"text":"No.","start":2972.355,"end":2972.855,"sentiment":"neutral","sentiment_score":-0.06826910376548767}],"sentiment":"neutral","sentiment_score":0.03407849039649591,"num_words":64,"start":2941.995,"end":2972.855},{"sentences":[{"text":"So most people think of a SMSF, which is different.","start":2973.555,"end":2976.675,"sentiment":"neutral","sentiment_score":-0.04484750051051378},{"text":"So not self managed super fund, a self managed account.","start":2976.675,"end":2979.2551,"sentiment":"neutral","sentiment_score":-0.021737684868276118},{"text":"Basically, how that works if I compare it to your current portfolio, so your current portfolio will be more your model portfolio that we'd see.","start":2979.75,"end":2986.65,"sentiment":"neutral","sentiment_score":0.04220274604856968},{"text":"Now if I want to go and make a change, so for example, we would obviously have to go and do all the research for you, put together a proposal, present it through you.","start":2986.71,"end":2996.2751,"sentiment":"neutral","sentiment_score":0.029121832976884702},{"text":"You would have to agree to the change before we can make a change.","start":2996.2751,"end":2999.655,"sentiment":"neutral","sentiment_score":0.01150460953691176}],"sentiment":"neutral","sentiment_score":0.016563695184485888,"num_words":93,"start":2973.555,"end":2999.655},{"sentences":[{"text":"So you would obviously have full control of of the changes, but it also means that it is a little bit delayed sometimes because it takes a process to obviously do the research by the time where you're available, go through the changes for you to approve it.","start":3000.435,"end":3016.46,"sentiment":"neutral","sentiment_score":-0.019693999473626416},{"text":"With the SMA, how it works is you just invest kind of in a portfolio.","start":3017.56,"end":3021.5,"sentiment":"neutral","sentiment_score":0.011865602495769659},{"text":"So think similar to to Benelon in a way, but, obviously, different where you are just invested in one investment option.","start":3022.365,"end":3029.485,"sentiment":"neutral","sentiment_score":-0.005462112526098887},{"text":"You don't actually see fully all the individual investment.","start":3029.485,"end":3032.625,"sentiment":"neutral","sentiment_score":-0.06396790014372931},{"text":"And it's how it works is that we can then easily swap and change the investment.","start":3034.35,"end":3039.25,"sentiment":"neutral","sentiment_score":0.22130544856190681}],"sentiment":"neutral","sentiment_score":0.019111410783039868,"num_words":109,"start":3000.435,"end":3039.25},{"sentences":[{"text":"So if, for example, we had the IHS S and P 500 in the portfolio and we foresee that it's not going to be or something's going to happen and it's not going to be the best, we can quickly make a change without you having to have the SOA and approve the change.","start":3039.6301,"end":3054.7651,"sentiment":"neutral","sentiment_score":0.16080046500320788},{"text":"We can do it in the back end.","start":3054.7651,"end":3055.8052,"sentiment":"neutral","sentiment_score":0.32540811225771904},{"text":"We can still let you know of all the changes, of course, but it just takes away that kind of compliance process, and it makes it quicker.","start":3055.8052,"end":3064.465,"sentiment":"neutral","sentiment_score":0.3117715147910295},{"text":"If you mhmm.","start":3065.22,"end":3067.24,"sentiment":"neutral","sentiment_score":0.04833680142958959},{"text":"Yes.","start":3073.78,"end":3074.28,"sentiment":"neutral","sentiment_score":0.04571237042546272}],"sentiment":"neutral","sentiment_score":0.21392520088502157,"num_words":93,"start":3039.6301,"end":3074.28},{"sentences":[{"text":"It's correct.","start":3074.74,"end":3079.3352,"sentiment":"neutral","sentiment_score":0.03815869800746441},{"text":"But in order for us to make a change, we would have to present it in an SOA.","start":3079.5552,"end":3084.7751,"sentiment":"neutral","sentiment_score":0.017251617482139006},{"text":"We can't go and change and and it like, I can't go and change an investment without doing the SOA and you approving the change.","start":3085.235,"end":3092.47,"sentiment":"neutral","sentiment_score":0.011920304596424102},{"text":"But, yes, otherwise, it's exactly the same.","start":3092.47,"end":3094.89,"sentiment":"neutral","sentiment_score":0.0674314344567912},{"text":"And the estimate are constructed of your low cost ETFs and stuff.","start":3095.43,"end":3099.75,"sentiment":"neutral","sentiment_score":0.09672978768746059}],"sentiment":"neutral","sentiment_score":0.03621299404767342,"num_words":64,"start":3074.74,"end":3099.75},{"sentences":[{"text":"It's just a different way.","start":3099.75,"end":3101.0498,"sentiment":"neutral","sentiment_score":0.058807782083749774},{"text":"The the benefit of it as well is that we can make the changes quicker because we don't need to do the SOA process.","start":3103.115,"end":3109.4548,"sentiment":"positive","sentiment_score":0.44097832528253395},{"text":"Some people are quite happy to look at that as part of a research process to see, well, if it's going to be, you know, more competitive for me, I am comfortable with that approach.","start":3110.155,"end":3119.6301,"sentiment":"positive","sentiment_score":0.536218821150916},{"text":"Some people go, no.","start":3120.09,"end":3121.53,"sentiment":"neutral","sentiment_score":0.1653354186564684},{"text":"I want I'm I'm okay for it to take a little bit forward if we need to make a change.","start":3121.53,"end":3125.79,"sentiment":"neutral","sentiment_score":0.16436664573848248}],"sentiment":"positive","sentiment_score":0.38174831871451304,"num_words":88,"start":3099.75,"end":3125.79},{"sentences":[{"text":"I would like the the SOA and to approve the change before it happens.","start":3125.85,"end":3129.15,"sentiment":"neutral","sentiment_score":0.23500229950462068},{"text":"How do you feel?","start":3130.2651,"end":3131.405,"sentiment":"neutral","sentiment_score":0.07580887712538242},{"text":"So yeah.","start":3143.64,"end":3146.28,"sentiment":"neutral","sentiment_score":-0.01368081197142601},{"text":"No.","start":3146.28,"end":3146.52,"sentiment":"neutral","sentiment_score":-0.06343426555395126},{"text":"So everything would be in the SMA.","start":3146.52,"end":3148.1199,"sentiment":"neutral","sentiment_score":-0.02261237028454031}],"sentiment":"neutral","sentiment_score":0.11943518643134407,"num_words":28,"start":3125.85,"end":3148.1199},{"sentences":[{"text":"So all your investments at the moment would be so you would be in the SMA.","start":3148.1199,"end":3152.76,"sentiment":"neutral","sentiment_score":0.041736328159458935},{"text":"And then in the SMA, you still have a range of different investments.","start":3152.76,"end":3155.82,"sentiment":"neutral","sentiment_score":0.03911646541494589},{"text":"Spend along is not part of it, but you have a range of different investments.","start":3156.185,"end":3161.465,"sentiment":"neutral","sentiment_score":0.023714425911506017},{"text":"So for your end, like, if we do an SOA, you would see that, let's say, you have you invested in the SMA called Bloom, for example.","start":3161.465,"end":3171.69,"sentiment":"neutral","sentiment_score":0.06544489799826234},{"text":"So you would just see that you're in a option.","start":3171.8499,"end":3174.51,"sentiment":"neutral","sentiment_score":0.08430471867322922}],"sentiment":"neutral","sentiment_score":0.05113668052226673,"num_words":81,"start":3148.1199,"end":3174.51},{"sentences":[{"text":"Now if we were to go and change it, when you actually go into Hub twenty four, you can still click on it, and you can still see all the underlying investments.","start":3174.89,"end":3183.0698,"sentiment":"neutral","sentiment_score":0.10232766554690897},{"text":"So it's still there for you.","start":3183.13,"end":3184.91,"sentiment":"neutral","sentiment_score":0.16744286070267358},{"text":"The the premise is that we can quickly make the changes because you are not invested in that directly into each investment.","start":3185.295,"end":3191.6948,"sentiment":"neutral","sentiment_score":0.1340482746335593},{"text":"You would just invest it in the portfolio.","start":3191.6948,"end":3193.4749,"sentiment":"neutral","sentiment_score":0.11398769076913595},{"text":"But, again, it is completely up to what you are comfortable with.","start":3196.015,"end":3198.69,"sentiment":"neutral","sentiment_score":0.23443037768205008}],"sentiment":"neutral","sentiment_score":0.13691588202491403,"num_words":80,"start":3174.89,"end":3198.69},{"sentences":[{"text":"Some people think it's it's fantastic, and some people prefer the other way.","start":3198.69,"end":3203.5698,"sentiment":"neutral","sentiment_score":0.2956253020809247},{"text":"And, also, even if it is something you are comfortable with, I still have to do the research and prove it's in your best interest regardless.","start":3203.5698,"end":3210.23,"sentiment":"neutral","sentiment_score":0.1218545836611436},{"text":"It's just whether you are comfortable with the approach.","start":3210.6099,"end":3212.79,"sentiment":"neutral","sentiment_score":0.01719089887208409},{"text":"Yeah.","start":3212.93,"end":3213.43,"sentiment":"neutral","sentiment_score":0.024511776864528656},{"text":"Yes.","start":3231.54,"end":3232.04,"sentiment":"neutral","sentiment_score":-0.027061158791184425}],"sentiment":"neutral","sentiment_score":0.14327033620327712,"num_words":50,"start":3198.69,"end":3232.04},{"sentences":[{"text":"Okay.","start":3236.42,"end":3236.92,"sentiment":"neutral","sentiment_score":-0.02046326734125614},{"text":"Mhmm.","start":3238.9949,"end":3239.4949,"sentiment":"neutral","sentiment_score":-0.08437421917915344},{"text":"Correct.","start":3246.275,"end":3246.775,"sentiment":"neutral","sentiment_score":0.016117703169584274},{"text":"That is correct.","start":3246.9949,"end":3247.875,"sentiment":"neutral","sentiment_score":0.0628950943549474},{"text":"Yes.","start":3247.875,"end":3248.375,"sentiment":"neutral","sentiment_score":0.11198978126049042}],"sentiment":"neutral","sentiment_score":0.030279325853501047,"num_words":7,"start":3236.42,"end":3248.375},{"sentences":[{"text":"Yep.","start":3248.515,"end":3249.015,"sentiment":"neutral","sentiment_score":0.13541769981384277},{"text":"Yeah.","start":3252.29,"end":3252.79,"sentiment":"neutral","sentiment_score":0.06372596323490143},{"text":"Yep.","start":3258.21,"end":3258.71,"sentiment":"neutral","sentiment_score":0.15436241030693054},{"text":"It feels good.","start":3259.81,"end":3260.77,"sentiment":"neutral","sentiment_score":0.18152941266695657},{"text":"Okay.","start":3260.77,"end":3261.27,"sentiment":"neutral","sentiment_score":0.03091907314956188}],"sentiment":"neutral","sentiment_score":0.13271619778658664,"num_words":7,"start":3248.515,"end":3261.27},{"sentences":[{"text":"Okay.","start":3266.145,"end":3266.645,"sentiment":"positive","sentiment_score":0.3563094139099121},{"text":"What I'll do is I'll include it as part of my research.","start":3266.945,"end":3269.585,"sentiment":"neutral","sentiment_score":0.3023432182768981},{"text":"Now like I said, I need to do research on all the options out there and whichever puts you in the best position.","start":3269.585,"end":3275.585,"sentiment":"neutral","sentiment_score":0.23100906545701233},{"text":"So whether that is, you know, tax fees, performance, everything like that, I will make a recommendation, present it to you.","start":3275.585,"end":3282.7302,"sentiment":"neutral","sentiment_score":0.1862971488208998},{"text":"Now if that turns out to be the estimate, the SOA has a lot more information in regards to the SMA as well that we can go through.","start":3282.9502,"end":3290.495,"sentiment":"neutral","sentiment_score":0.231057344270604}],"sentiment":"neutral","sentiment_score":0.23152332121835034,"num_words":85,"start":3266.145,"end":3290.495},{"sentences":[{"text":"And what I can also do is when I send you the email with the stuff we have what kind of discussed already, I could include some brochures in regards to the estimate so that you can also read up a little bit about it if you would like.","start":3290.495,"end":3301.74,"sentiment":"neutral","sentiment_score":0.22794184803354497},{"text":"But if I do the research, it might not be the best option.","start":3302.3,"end":3305.1,"sentiment":"neutral","sentiment_score":-0.30606194929434705},{"text":"So it depends on your individual situation and your goals, but at least I can include it as part of the research.","start":3305.1,"end":3311.82,"sentiment":"neutral","sentiment_score":0.0003538934344595134},{"text":"And if it is very competitive for you, then I can recommend it.","start":3311.82,"end":3315.465,"sentiment":"neutral","sentiment_score":0.20647305765977272},{"text":"Again, what I do recommend is just a suggestion at the end of the day.","start":3316.425,"end":3319.945,"sentiment":"neutral","sentiment_score":0.20935557385285694}],"sentiment":"neutral","sentiment_score":0.11627334130129643,"num_words":112,"start":3290.495,"end":3319.945},{"sentences":[{"text":"So if I if it turns out that it's going to put you in a better position, I know I recommend it, and we go through it and you go, you know what?","start":3319.945,"end":3326.905,"sentiment":"neutral","sentiment_score":0.2224142715109117},{"text":"I changed my mind.","start":3326.905,"end":3327.7852,"sentiment":"neutral","sentiment_score":-0.24229514598846436},{"text":"I don't like it.","start":3327.7852,"end":3328.745,"sentiment":"negative","sentiment_score":-0.45316340029239655},{"text":"We don't have to do it.","start":3328.745,"end":3329.82,"sentiment":"neutral","sentiment_score":-0.18113665779431662},{"text":"But at least I can kind of, you know, present everything through you.","start":3329.98,"end":3332.54,"sentiment":"neutral","sentiment_score":0.14400319181955779}],"sentiment":"neutral","sentiment_score":0.08905097202708324,"num_words":60,"start":3319.945,"end":3332.54},{"sentences":[{"text":"So I'll at least consider it in part of the research, and then we can take it from there.","start":3332.54,"end":3337.84,"sentiment":"neutral","sentiment_score":0.15709646457904264},{"text":"Yep.","start":3338.86,"end":3339.26,"sentiment":"neutral","sentiment_score":0.26756012439727783},{"text":"Perfect.","start":3339.26,"end":3339.76,"sentiment":"positive","sentiment_score":0.45510751008987427},{"text":"Now we're almost at the end because I know you have a busy day, but you will see your TAL COC.","start":3339.82,"end":3345.4402,"sentiment":"neutral","sentiment_score":0.14550512496914184},{"text":"Don't need to open it now, but that's just your towel insurances.","start":3346.035,"end":3349.575,"sentiment":"neutral","sentiment_score":0.11566667848577102}],"sentiment":"neutral","sentiment_score":0.15094644866055912,"num_words":54,"start":3332.54,"end":3349.575},{"sentences":[{"text":"It just goes through them in a little bit more information, basically, just lets you know that's paid and up to date.","start":3349.635,"end":3354.775,"sentiment":"neutral","sentiment_score":0.2077197791500525},{"text":"And then you will have a Vanguard index chart.","start":3355.2349,"end":3358.115,"sentiment":"neutral","sentiment_score":0.1914460195435418},{"text":"Now you might be familiar with this or seen it before.","start":3358.115,"end":3360.855,"sentiment":"neutral","sentiment_score":0.14205632358789444},{"text":"It's just a good visual representation.","start":3360.93,"end":3362.63,"sentiment":"positive","sentiment_score":0.4044361039996147},{"text":"It's sometimes easier if people don't have a lot of understanding of the the market and how things do fluctuate to kind of visualize it.","start":3362.8499,"end":3370.0698,"sentiment":"neutral","sentiment_score":0.05849582314491272}],"sentiment":"neutral","sentiment_score":0.16088330245589558,"num_words":73,"start":3349.635,"end":3370.0698},{"sentences":[{"text":"The other thing or the last thing I should say is when you do, you know, click on the link.","start":3371.65,"end":3377.315,"sentiment":"neutral","sentiment_score":0.17052239999175073},{"text":"So if you are comfortable, obviously, if you, when you have a moment, want to click the link where it says sign now, it will ask you to sign through documents.","start":3377.315,"end":3385.9749,"sentiment":"neutral","sentiment_score":0.23740770547620713},{"text":"Now one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start":3386.755,"end":3394.47,"sentiment":"positive","sentiment_score":0.49038587316222815},{"text":"So no changes in regards to the ongoing advice fee.","start":3395.01,"end":3398.53,"sentiment":"neutral","sentiment_score":0.16096488609910012},{"text":"It stays exactly the same at 1.65% ongoing, but it basically just lets us service your account and everything like that.","start":3398.53,"end":3408.965,"sentiment":"neutral","sentiment_score":0.2881450355052948}],"sentiment":"neutral","sentiment_score":0.28294911008505597,"num_words":105,"start":3371.65,"end":3408.965},{"sentences":[{"text":"No lock in contract, though.","start":3409.185,"end":3410.465,"sentiment":"neutral","sentiment_score":0.001854594051837924},{"text":"So if at any point in time you are not happy with the service, no lock in contract.","start":3410.465,"end":3414.485,"sentiment":"neutral","sentiment_score":-0.0613916435589393},{"text":"But, otherwise, this just lets us service everything on your end otherwise.","start":3414.865,"end":3419.29,"sentiment":"neutral","sentiment_score":0.2024853148808082},{"text":"And the last one is just a tax file number opt in form, which is just a compliance form to say that we are keeping your tax file number secure and safe on the file.","start":3419.83,"end":3428.81,"sentiment":"positive","sentiment_score":0.3428287318774632},{"text":"Do you have any questions in regards through any of that?","start":3429.35,"end":3432.285,"sentiment":"neutral","sentiment_score":0.062101484699682755}],"sentiment":"neutral","sentiment_score":0.17303912484167536,"num_words":81,"start":3409.185,"end":3432.285},{"sentences":[{"text":"I know that's probably a lot.","start":3432.365,"end":3433.9849,"sentiment":"neutral","sentiment_score":-0.042931078001856804},{"text":"No?","start":3435.7249,"end":3436.2249,"sentiment":"neutral","sentiment_score":-0.023635558784008023},{"text":"Yeah.","start":3437.325,"end":3437.805,"sentiment":"positive","sentiment_score":0.4299020767211914},{"text":"Great.","start":3437.805,"end":3438.2048,"sentiment":"positive","sentiment_score":0.7284436225891113},{"text":"Perfect.","start":3438.2048,"end":3438.6848,"sentiment":"positive","sentiment_score":0.652147650718689}],"sentiment":"neutral","sentiment_score":0.15292713232338428,"num_words":10,"start":3432.365,"end":3438.6848},{"sentences":[{"text":"So, basically, from here is, take a moment and have a read through the document.","start":3438.6848,"end":3442.545,"sentiment":"neutral","sentiment_score":0.29464998145898186},{"text":"Any questions, let me know.","start":3442.765,"end":3444.2048,"sentiment":"neutral","sentiment_score":0.15017640739679336},{"text":"If not, if you're comfortable to do so, we'll just need you to sign those documents.","start":3444.525,"end":3448.3,"sentiment":"neutral","sentiment_score":0.16797779384069145},{"text":"That will come through on our end, and I'll let the team know to process that.","start":3448.76,"end":3453.02,"sentiment":"neutral","sentiment_score":0.26094872411340475},{"text":"I will also send you that email.","start":3453.32,"end":3455.48,"sentiment":"neutral","sentiment_score":0.21992418808596476}],"sentiment":"neutral","sentiment_score":0.23004958241925402,"num_words":59,"start":3438.6848,"end":3455.48},{"sentences":[{"text":"Now I will try to do it today, but I'm quite back to back all day, so it might be tomorrow.","start":3455.48,"end":3460.54,"sentiment":"neutral","sentiment_score":0.1074036510572547},{"text":"But I will send that as soon as I can.","start":3461.595,"end":3463.775,"sentiment":"neutral","sentiment_score":0.2705788120627403},{"text":"And then, obviously, when you guys come back from your holiday, let me know.","start":3464.395,"end":3469.355,"sentiment":"neutral","sentiment_score":0.20278816776616232},{"text":"I'll I'll have a chat to your wife as well to see how we can incorporate everything.","start":3469.355,"end":3473.935,"sentiment":"neutral","sentiment_score":0.26697894235086794},{"text":"And if it is that we're just looking at contributions, then I will obviously decide everything we've spoken about today for you or if we can incorporate it for her as well.","start":3475.14,"end":3484.3599,"sentiment":"neutral","sentiment_score":0.06737087282817811}],"sentiment":"neutral","sentiment_score":0.15420009672364338,"num_words":94,"start":3455.48,"end":3484.3599},{"sentences":[{"text":"Yep.","start":3485.8599,"end":3486.3599,"sentiment":"neutral","sentiment_score":0.094100221991539},{"text":"Do you have any questions or anything like that for me at this point otherwise?","start":3486.565,"end":3491.785,"sentiment":"neutral","sentiment_score":0.14528775413831074},{"text":"No?","start":3494.085,"end":3494.585,"sentiment":"neutral","sentiment_score":0.00814410112798214},{"text":"Yep.","start":3495.125,"end":3495.445,"sentiment":"neutral","sentiment_score":0.16866521537303925},{"text":"Perfect.","start":3495.445,"end":3495.945,"sentiment":"positive","sentiment_score":0.4434439539909363}],"sentiment":"neutral","sentiment_score":0.15229841076621883,"num_words":19,"start":3485.8599,"end":3495.945},{"sentences":[{"text":"And just for my record as well, when do you guys go on holiday and when do you come back?","start":3496.0051,"end":3500.42,"sentiment":"neutral","sentiment_score":0.07297254763543606},{"text":"Just so I can let the team know not to call you guys on your way.","start":3500.42,"end":3504.2,"sentiment":"neutral","sentiment_score":-0.018942054826766253},{"text":"If there's ever The fourth.","start":3504.5798,"end":3517.315,"sentiment":"neutral","sentiment_score":0.03149630464613438},{"text":"Okay.","start":3517.315,"end":3517.815,"sentiment":"neutral","sentiment_score":0.15288174152374268},{"text":"Perfect.","start":3517.875,"end":3518.355,"sentiment":"positive","sentiment_score":0.34506890177726746}],"sentiment":"neutral","sentiment_score":0.04213512190725914,"num_words":43,"start":3496.0051,"end":3518.355},{"sentences":[{"text":"I'll just note that down.","start":3518.355,"end":3519.815,"sentiment":"neutral","sentiment_score":0.16995638459920884},{"text":"If there is anything, I will send you an email, but, obviously, you're on holiday, so so no rush.","start":3519.955,"end":3524.935,"sentiment":"neutral","sentiment_score":0.07367783980934244},{"text":"I will tentatively pencil in that you said the twelfth for for your wife.","start":3525.6099,"end":3529.77,"sentiment":"neutral","sentiment_score":0.15432357362338475},{"text":"But, again, obviously, just confirm what works.","start":3529.77,"end":3532.19,"sentiment":"neutral","sentiment_score":0.2108727799994605},{"text":"And, otherwise, I hope you have a lovely holiday, and I look forward to speaking with both of you when you come back.","start":3532.65,"end":3539.775,"sentiment":"positive","sentiment_score":0.4213666889978492}],"sentiment":"neutral","sentiment_score":0.2290843267212896,"num_words":68,"start":3518.355,"end":3539.775},{"sentences":[{"text":"Mhmm.","start":3541.295,"end":3541.795,"sentiment":"neutral","sentiment_score":0.25389188528060913},{"text":"No problem at all.","start":3541.855,"end":3542.6548,"sentiment":"positive","sentiment_score":0.40210214257240295},{"text":"I hope you enjoy the rest of your afternoon as well.","start":3542.6548,"end":3545.075,"sentiment":"positive","sentiment_score":0.5526642094958912},{"text":"Mhmm.","start":3546.7349,"end":3547.2349,"sentiment":"neutral","sentiment_score":0.13771486282348633},{"text":"No worries.","start":3547.295,"end":3547.775,"sentiment":"neutral","sentiment_score":0.18290475010871887}],"sentiment":"positive","sentiment_score":0.4444805854245236,"num_words":19,"start":3541.295,"end":3547.775},{"sentences":[{"text":"Thanks, Alan.","start":3547.775,"end":3548.595,"sentiment":"positive","sentiment_score":0.37475186586380005},{"text":"Bye.","start":3548.9749,"end":3549.4749,"sentiment":"neutral","sentiment_score":0.2919846177101135},{"text":"Bye.","start":3550.4949,"end":3550.9949,"sentiment":"neutral","sentiment_score":0.11775000393390656}],"sentiment":"neutral","sentiment_score":0.28980958834290504,"num_words":4,"start":3547.775,"end":3550.9949}]}}]},{"alternatives":[{"transcript":"Hello? Alan speaking. Alright. I'm going well. Yeah. That's good. Yeah. That's fine. Yeah. My full name is Alan. My oops. Okay. Sorry. I just got a weird notification. Sorry. Yes. Alan Ethan Oi. And in fact, it's funny because my my phone just flagged you as a scam. Well, I'm pretty sure you're not. Anyway yeah. So yeah. Address is 1 Longbourn Avenue, Notting Hill, and my date of birth is the 11/01/1988. Yeah. Busy. I got leave coming up on Friday, and so rushing to get everything kinda done and turned it off, obviously. So, yeah, a little bit hectic. Now overseas. Yeah. I'm heading to Taiwan, so that should be pretty good. I mean, couple weeks, that sort of thing. Yeah. That's yeah. Yeah. That's alright. Yeah. No. So the catch up is good overall. I'm I'm interested to know how my like, I do have access to my super. I can sort of see that. I'm interested to know how, obviously, you know, the events of recent you know, in the recent months have have affected everything. Also, what the plan is, sort of general plan is going forward in terms of how to handle those the current situation. But also, I'm interested to I asked for sort of end up being bad as well. I did ask for a plan to see how to, what's it, make use of my my previous contributions that I hadn't in previous tax returns. And I can't quite remember what I was up to with that, but also with my my wife as well. I'm looking to contribute into our super as well. So I think these are the vague areas that I wanted to touch on. Yeah. Mhmm. Yep. Mhmm. Yep. No. My wife, I guess. Yep. Yes. It's Quyen. That's q u y e n. And then do you need a middle name as well, like a full name? Okay. Yep. And last name is Ho, h o. Yep. 0400, 99, 3041. Yep. Yep. Still the same. Yep. Same company. That's my base salary, I guess. Yes. So one second. Just waiting for things to load. Sorry. Yeah. So it's it's a free, like, portion salary, I guess, because it's a comp is composed of a base salary plus bonus plus stock compensation. So right now, my base salary is $2.32. Yep. The bonus target is about $46 for this year. And then stocks is one of those things that fluctuates quite a lot. Obviously, it's like taken a real hit this year, unfortunately. So, yeah, it's been a bit crap. Like, I think at at one point, it was, you know, the the estimated for for the year was, like, around, like, over 300 for just my stock component, and right now, it's about 75,000. So, yeah, it's fluctuated quite a bit. So I think probably this year, my total earnings will probably be around the $3.53 80 mark, somewhere in there. Yes. My bonus would be just income. I'm pretty sure. And so that would go through all and I'm pretty sure that comes lines in my bank account post tax and post super stuff. Yep. Yes. It's just whatever the there yeah. It's an Australian company. And so, yeah, it's just a minimum. Yep. Mhmm. I do not know. Sorry. No. Not off the top of my head. Yeah. I can find out, though. Mhmm. Mhmm. Yep. Is there some way that sorry. Because I know I'm I I have a terrible memory. Is there some way that yes, please. That would be great. Yep. So I believe I did I I think, actually, from what I recall, I did, but I think my company asked me how much total I want to contribute. I have to double check. And I think if that's the case, then I think the aim was to set it to be an amount that was maybe needs to be updated now. Has it gone up to 30,000? Is that the cap? Yeah. Okay. So I think at the time, I was anticipating it would be something like $27,500 or something like that, somewhere around that mark. So I might need to update it, and I can check all this. I I just haven't, you know, I haven't done that. So what I recall, and I have to dig up the email, but maybe you have the analysis from Dana there, was that there was some potential to go back and and because I I I haven't been contributing to my super the whole time I've been employed. And I think there was the way it was explained to me was that there was some opportunity for us to to sort of leverage some of the missed opportunity back in previous financial years in order to contribute maybe more to, like yeah. Mhmm. Right. Yeah. I think the latter. I think, for me, like, I'm in a financial position where, I don't really need like, I don't have a well, I do have a mortgage, but it's it's all paid off, basically. And I'm just really kinda focused on, I guess, the future. So I want to be, yeah, doing things in kind of as effective as a matter as possible. I I thought I think I might have already kinda done this. I vaguely recall jumping into myGov for this for Dana at the time. I can pick up the email and shoot I'm sure I probably have it somewhere. But, yeah, I think I've I've sort of pulled these. I have very wet memories of pulling these documents at some point. Mhmm. Yep. I guess I don't really know fully the, like, consequences of maximizing it or not maximizing it. My initial thought is that I don't really have a reason not to maximize it, so I probably would. But but yeah. Yep. Right. Yep. Yep. Alright. Yeah. Okay. Mhmm. Yep. Yeah. Yeah. Mhmm. Yeah. No. I was gonna say all of that sounds aligned with what I I I want. So I I think it'd totally be that I would maximize it. I I don't really yeah. I'm not in a position where I need access to that money anytime soon, and I'm hoping I don't go anywhere between now and Yeah. Mhmm. Mhmm. Yep. Yeah. Mhmm. So she's not employed at the moment. So, yeah, she's just yeah. She has no, like, serious amounts of, like, income. A bit here and there, she has used some hobbies, like, things on the side, like, other pursuits on the side, but nothing that's, like, you know, nothing that even comes close to, like, a sort of full time salary. Yeah. Yep. Mhmm. I think she's I think it's the super. That's the main thing. I'm not sure if she's I don't think she's opposed to the idea of coming on board, but I'm not well, maybe it's a conversation that you can have with her instead. Yeah. Because I'm not sure if go ahead. Maybe I'm putting words in in your mouth, but I'm not sure if it's if it's, like, exactly what she she kinda do given that she is unemployed. You know? So yeah. No. Not really. So yeah. I don't know. Like, I'm $1.80 sort of max, somewhere around there. I think that's a rough estimate. It's somewhere between $1.50 to 200 max. Yeah. Mhmm. Yep. Yeah. Makes sense. Mhmm. Yep. Yep. Yep. I see. Yep. Is this? Mhmm. Yep. Makes sense. Yep. It will well, it'll probably have to be sometime next month as we are getting on leave pretty soon. So yeah. Mhmm. Yep. Yes. Yeah. Yeah. Sounds good. Yeah. It does it does sound yeah. It sounds good. It will probably be, like, it'll probably be a Tuesday, and I'll I would probably say, like, at a tentative date just to give you an idea, but we'll confirm the emails later. Like, maybe the May 12 or something like that. Yeah. Yep. Yep. Yeah. Yep. Yeah. Makes sense. I haven't decided. Like, we haven't really decided that. Yeah. So there's none of that sort of it even, like, the start of a decision there hasn't really been made. Yes, please. Yep. Yeah. Yeah. Makes sense. Yes. So it would probably be still around that amount. Yep. Yep. That sounds about right. I could confirm these later on as well in in the email. Yeah. I think that has changed quite a bit. I think last time I checked, it was around the $1.90 mark. Yeah. I I can check, but I'm pretty sure it was around that. Yep. Yes. Still have that one. Mhmm. Yep. That's correct. Well, yes. I do. Yes. Yeah. No. I don't think I have a will in place. Yeah. No. No. No. I'm not. Mhmm. Not really. I mean, like, not a specific goal. I mean, retirement, obviously, but not directly. No. Yeah. I've kind of, like, soured on the idea a little bit, choosing rather choosing more to, like, just do investments in, like, as as like, not in property, basically. I'm not so fond of the idea of property investment anymore. I don't know. I might change my mind in another six months. You know? But but right now, I'm not I'm not yeah. Not really. Yeah. Yep. Yeah. So I think, like, there might still be things to do with renovations around the house and whatnot. And even if they're, you know, pretty expensive, which they won't be particularly cheap, obviously, I don't I I think I'm at at a position where I could kinda not like, I don't need to work up to it, I suppose, is is my point. I think it might, you know, delay a a future investment. The thing is that I don't really have a particular financial goal apart from just, extend the welfare a little bit more and get, like, put position myself well for the time and things like yeah. Yep. Mhmm. I mean, if it's like a thousand dollars by two days purchasing power at that point in time, then then I think that's probably fine. Like, we don't live a particularly lavish lifestyle. So I think it should be should be I yeah. It should be doable. That's where I wanna so, like, at least I guess, as a minimum, that's what I'm aiming for. And then above that, it's it's kind of bonus. Mhmm. Yep. Yep. Yep. Mhmm. Yep. I'm pretty accepting of that. Like, I think maybe to my question, my answer would have changed from the last activity, but I think I am accepting of pretty high amounts of risk in order to maximize, you know, the super growth. Yeah. Probably very high, I suppose. Yeah. Mhmm. I'd probably try to invest more. Probably quite heavily. Can you repeat the the question again? Probably I mean, out of those choices, probably more than just the neutral side of things. I don't know if I would respond entirely to to it, but I certainly wouldn't be yeah. Exactly. So and, I mean, I have exactly, like, experienced this in the last year with the the SaaS apocalypse as well. So I'm I'm not like like, I'm not writing blending out there to go reinvest more money in SaaS, but but I am kinda like what it is, what it is, and and whatever. Yeah. Yeah. That one, I probably wouldn't. No. Yeah. That's an interesting question because it reveals a bit of a hypocrisy in my initial line of thinking. Like, I would never take out a personal loan for for stock for, like, investments in the stock market, but I would probably be okay with taking out a mortgage for investment property. I suppose yeah. I suppose in part, it's because there's an offset account, and so I can just, like, begin to dump a bunch of money into the offset account. But yeah. That yeah. No. I don't, actually. Yep. Yep. Yep. Mhmm. Yep. Yep. Yep. Yep. Mhmm. Mhmm. Yep. Yeah. I think it makes sense for me to move on to a high growth one. Yeah. Yep. Yep. I can. Yeah. Yeah. I can see it. Mhmm. Oh, yeah. I see them. Yep. There's a couple of OCU ones, and then there's the first one that's labeled with the date is super insurance summary. Mhmm. Yep. Yep. I have that open now. New. Yep. Yes. They seem fine to me. Yeah. I I think that that amount's fine. Yeah. I don't need to increase that. Yep. Yep. Yep. Yep. I see the twelve months. I am 24. Yep. Yes. Mhmm. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yep. Yeah. Yep. Yep. Yep. Yeah. I actually thought managed funds were ETFs, so I'm confused about what you've just said there. But I Yep. Yep. Mhmm. Yep. Mhmm. Yep. Yep. Right. Yeah. Okay. Yeah. It does. Yeah. Yeah. Yeah. Yeah. For sure. Like yeah. Mhmm. Yep. Yep. I do every now and then, but I don't, like, you know, actively follow it super closely. Yeah. Mhmm. Yes. Mhmm. Yep. Oh, okay. Yep. I am not. Yep. Oh, I see. Yep. Yep. Yep. Yep. So that that's similar to what, I guess, you guys are already doing with my a share of the listed securities, right, where on my behalf, you're modifying my HUB24 investment portfolio. Yeah. Okay. Yes. Yep. Yep. Yep. Yep. Yeah. I have to think about it. But is is so would the idea be that we move that then along one to the SMA and the rest of the portfolio stays the same? Or would it be oh, sorry. Right. Yep. Mhmm. Yeah. Okay. Right. Yeah. That's alright. Yeah. I just I'm just curious as to what I'm trying to identify what the main differences are between between the setup now and and the SMA setup. And I wasn't actually aware that you needed to provide me a SOA for the Australian listed securities. Well, to be honest, I wouldn't even aware that you had to do it for for any of them. But so right now, you wouldn't be able to say take out like, shift everything away from gold into something else without me approving in this. Is that right? Okay. Right. Okay. I see. That makes sense. Alright. In which case yeah. I'm I'm well, I mean, I'm comfortable to go ahead with the research to to see if it's if it makes sense. But, yeah, overall, I think I I would most likely be okay with that setup. Mhmm. Mhmm. Mhmm. Yep. Yep. Yep. Yeah. Yeah. Yep. Mhmm. Yeah. No. No. It's fine. It seems reasonable. Yeah. Yep. Yeah. Yep. Yep. Mhmm. Yeah. Sounds good. Yeah. It sounds all good. That's alright. Yeah. We'll be off from Thursday until until well, we'll be back on May 4. Yeah. May the fourth. Yep. Yeah. Yeah. Thank you very much. Thanks. You too. Bye. See 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Alan speaking. Alright. I'm going well. Yeah.\n\nThat's good. Yeah. That's fine. Yeah. My full name is Alan.\n\nMy oops. Okay. Sorry. I just got a weird notification. Sorry.\n\nYes. Alan Ethan Oi. And in fact, it's funny because my my phone just flagged you as a scam. Well, I'm pretty sure you're not. Anyway yeah.\n\nSo yeah. Address is 1 Longbourn Avenue, Notting Hill, and my date of birth is the 11/01/1988. Yeah. Busy. I got leave coming up on Friday, and so rushing to get everything kinda done and turned it off, obviously.\n\nSo, yeah, a little bit hectic. Now overseas. Yeah. I'm heading to Taiwan, so that should be pretty good. I mean, couple weeks, that sort of thing.\n\nYeah. That's yeah. Yeah. That's alright. Yeah.\n\nNo. So the catch up is good overall. I'm I'm interested to know how my like, I do have access to my super. I can sort of see that. I'm interested to know how, obviously, you know, the events of recent you know, in the recent months have have affected everything.\n\nAlso, what the plan is, sort of general plan is going forward in terms of how to handle those the current situation. But also, I'm interested to I asked for sort of end up being bad as well. I did ask for a plan to see how to, what's it, make use of my my previous contributions that I hadn't in previous tax returns. And I can't quite remember what I was up to with that, but also with my my wife as well. I'm looking to contribute into our super as well.\n\nSo I think these are the vague areas that I wanted to touch on. Yeah. Mhmm. Yep. Mhmm.\n\nYep. No. My wife, I guess. Yep. Yes.\n\nIt's Quyen. That's q u y e n. And then do you need a middle name as well, like a full name? Okay. Yep.\n\nAnd last name is Ho, h o. Yep. 0400, 99, 3041. Yep. Yep.\n\nStill the same. Yep. Same company. That's my base salary, I guess. Yes.\n\nSo one second. Just waiting for things to load. Sorry. Yeah. So it's it's a free, like, portion salary, I guess, because it's a comp is composed of a base salary plus bonus plus stock compensation.\n\nSo right now, my base salary is $2.32. Yep. The bonus target is about $46 for this year. And then stocks is one of those things that fluctuates quite a lot. Obviously, it's like taken a real hit this year, unfortunately.\n\nSo, yeah, it's been a bit crap. Like, I think at at one point, it was, you know, the the estimated for for the year was, like, around, like, over 300 for just my stock component, and right now, it's about 75,000. So, yeah, it's fluctuated quite a bit. So I think probably this year, my total earnings will probably be around the $3.53 80 mark, somewhere in there. Yes.\n\nMy bonus would be just income. I'm pretty sure. And so that would go through all and I'm pretty sure that comes lines in my bank account post tax and post super stuff. Yep. Yes.\n\nIt's just whatever the there yeah. It's an Australian company. And so, yeah, it's just a minimum. Yep. Mhmm.\n\nI do not know. Sorry. No. Not off the top of my head. Yeah.\n\nI can find out, though. Mhmm. Mhmm. Yep. Is there some way that sorry.\n\nBecause I know I'm I I have a terrible memory. Is there some way that yes, please. That would be great. Yep. So I believe I did I I think, actually, from what I recall, I did, but I think my company asked me how much total I want to contribute.\n\nI have to double check. And I think if that's the case, then I think the aim was to set it to be an amount that was maybe needs to be updated now. Has it gone up to 30,000? Is that the cap? Yeah.\n\nOkay. So I think at the time, I was anticipating it would be something like $27,500 or something like that, somewhere around that mark. So I might need to update it, and I can check all this. I I just haven't, you know, I haven't done that. So what I recall, and I have to dig up the email, but maybe you have the analysis from Dana there, was that there was some potential to go back and and because I I I haven't been contributing to my super the whole time I've been employed.\n\nAnd I think there was the way it was explained to me was that there was some opportunity for us to to sort of leverage some of the missed opportunity back in previous financial years in order to contribute maybe more to, like yeah. Mhmm. Right. Yeah. I think the latter.\n\nI think, for me, like, I'm in a financial position where, I don't really need like, I don't have a well, I do have a mortgage, but it's it's all paid off, basically. And I'm just really kinda focused on, I guess, the future. So I want to be, yeah, doing things in kind of as effective as a matter as possible. I I thought I think I might have already kinda done this. I vaguely recall jumping into myGov for this for Dana at the time.\n\nI can pick up the email and shoot I'm sure I probably have it somewhere. But, yeah, I think I've I've sort of pulled these. I have very wet memories of pulling these documents at some point. Mhmm. Yep.\n\nI guess I don't really know fully the, like, consequences of maximizing it or not maximizing it. My initial thought is that I don't really have a reason not to maximize it, so I probably would. But but yeah. Yep. Right.\n\nYep. Yep. Alright. Yeah. Okay.\n\nMhmm. Yep. Yeah. Yeah. Mhmm.\n\nYeah. No. I was gonna say all of that sounds aligned with what I I I want. So I I think it'd totally be that I would maximize it. I I don't really yeah.\n\nI'm not in a position where I need access to that money anytime soon, and I'm hoping I don't go anywhere between now and Yeah. Mhmm. Mhmm. Yep. Yeah.\n\nMhmm. So she's not employed at the moment. So, yeah, she's just yeah. She has no, like, serious amounts of, like, income. A bit here and there, she has used some hobbies, like, things on the side, like, other pursuits on the side, but nothing that's, like, you know, nothing that even comes close to, like, a sort of full time salary.\n\nYeah. Yep. Mhmm. I think she's I think it's the super. That's the main thing.\n\nI'm not sure if she's I don't think she's opposed to the idea of coming on board, but I'm not well, maybe it's a conversation that you can have with her instead. Yeah. Because I'm not sure if go ahead. Maybe I'm putting words in in your mouth, but I'm not sure if it's if it's, like, exactly what she she kinda do given that she is unemployed. You know?\n\nSo yeah. No. Not really. So yeah. I don't know.\n\nLike, I'm $1.80 sort of max, somewhere around there. I think that's a rough estimate. It's somewhere between $1.50 to 200 max. Yeah. Mhmm.\n\nYep. Yeah. Makes sense. Mhmm. Yep.\n\nYep. Yep. I see. Yep. Is this?\n\nMhmm. Yep. Makes sense. Yep. It will well, it'll probably have to be sometime next month as we are getting on leave pretty soon.\n\nSo yeah. Mhmm. Yep. Yes. Yeah.\n\nYeah. Sounds good. Yeah. It does it does sound yeah. It sounds good.\n\nIt will probably be, like, it'll probably be a Tuesday, and I'll I would probably say, like, at a tentative date just to give you an idea, but we'll confirm the emails later. Like, maybe the May 12 or something like that. Yeah. Yep. Yep.\n\nYeah. Yep. Yeah. Makes sense. I haven't decided.\n\nLike, we haven't really decided that. Yeah. So there's none of that sort of it even, like, the start of a decision there hasn't really been made. Yes, please. Yep.\n\nYeah. Yeah. Makes sense. Yes. So it would probably be still around that amount.\n\nYep. Yep. That sounds about right. I could confirm these later on as well in in the email. Yeah.\n\nI think that has changed quite a bit. I think last time I checked, it was around the $1.90 mark. Yeah. I I can check, but I'm pretty sure it was around that. Yep.\n\nYes. Still have that one. Mhmm. Yep. That's correct.\n\nWell, yes. I do. Yes. Yeah. No.\n\nI don't think I have a will in place. Yeah. No. No. No.\n\nI'm not. Mhmm. Not really. I mean, like, not a specific goal. I mean, retirement, obviously, but not directly.\n\nNo. Yeah. I've kind of, like, soured on the idea a little bit, choosing rather choosing more to, like, just do investments in, like, as as like, not in property, basically. I'm not so fond of the idea of property investment anymore. I don't know.\n\nI might change my mind in another six months. You know? But but right now, I'm not I'm not yeah. Not really. Yeah.\n\nYep. Yeah. So I think, like, there might still be things to do with renovations around the house and whatnot. And even if they're, you know, pretty expensive, which they won't be particularly cheap, obviously, I don't I I think I'm at at a position where I could kinda not like, I don't need to work up to it, I suppose, is is my point. I think it might, you know, delay a a future investment.\n\nThe thing is that I don't really have a particular financial goal apart from just, extend the welfare a little bit more and get, like, put position myself well for the time and things like yeah. Yep. Mhmm. I mean, if it's like a thousand dollars by two days purchasing power at that point in time, then then I think that's probably fine. Like, we don't live a particularly lavish lifestyle.\n\nSo I think it should be should be I yeah. It should be doable. That's where I wanna so, like, at least I guess, as a minimum, that's what I'm aiming for. And then above that, it's it's kind of bonus. Mhmm.\n\nYep. Yep. Yep. Mhmm. Yep.\n\nI'm pretty accepting of that. Like, I think maybe to my question, my answer would have changed from the last activity, but I think I am accepting of pretty high amounts of risk in order to maximize, you know, the super growth. Yeah. Probably very high, I suppose. Yeah.\n\nMhmm. I'd probably try to invest more. Probably quite heavily. Can you repeat the the question again? Probably I mean, out of those choices, probably more than just the neutral side of things.\n\nI don't know if I would respond entirely to to it, but I certainly wouldn't be yeah. Exactly. So and, I mean, I have exactly, like, experienced this in the last year with the the SaaS apocalypse as well. So I'm I'm not like like, I'm not writing blending out there to go reinvest more money in SaaS, but but I am kinda like what it is, what it is, and and whatever. Yeah.\n\nYeah. That one, I probably wouldn't. No. Yeah. That's an interesting question because it reveals a bit of a hypocrisy in my initial line of thinking.\n\nLike, I would never take out a personal loan for for stock for, like, investments in the stock market, but I would probably be okay with taking out a mortgage for investment property. I suppose yeah. I suppose in part, it's because there's an offset account, and so I can just, like, begin to dump a bunch of money into the offset account. But yeah. That yeah.\n\nNo. I don't, actually. Yep. Yep. Yep.\n\nMhmm. Yep. Yep. Yep. Yep.\n\nMhmm. Mhmm. Yep. Yeah. I think it makes sense for me to move on to a high growth one.\n\nYeah. Yep. Yep. I can. Yeah.\n\nYeah. I can see it. Mhmm. Oh, yeah. I see them.\n\nYep. There's a couple of OCU ones, and then there's the first one that's labeled with the date is super insurance summary. Mhmm. Yep. Yep.\n\nI have that open now. New. Yep. Yes. They seem fine to me.\n\nYeah. I I think that that amount's fine. Yeah. I don't need to increase that. Yep.\n\nYep. Yep. Yep. I see the twelve months. I am 24.\n\nYep. Yes. Mhmm. Mhmm. Yep.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nI actually thought managed funds were ETFs, so I'm confused about what you've just said there. But I Yep. Yep. Mhmm. Yep.\n\nMhmm. Yep. Yep. Right. Yeah.\n\nOkay. Yeah. It does. Yeah. Yeah.\n\nYeah. Yeah. For sure. Like yeah. Mhmm.\n\nYep. Yep. I do every now and then, but I don't, like, you know, actively follow it super closely. Yeah. Mhmm.\n\nYes. Mhmm. Yep. Oh, okay. Yep.\n\nI am not. Yep. Oh, I see. Yep. Yep.\n\nYep. Yep. So that that's similar to what, I guess, you guys are already doing with my a share of the listed securities, right, where on my behalf, you're modifying my HUB24 investment portfolio. Yeah. Okay.\n\nYes. Yep. Yep. Yep. Yep.\n\nYeah. I have to think about it. But is is so would the idea be that we move that then along one to the SMA and the rest of the portfolio stays the same? Or would it be oh, sorry. Right.\n\nYep. Mhmm. Yeah. Okay. Right.\n\nYeah. That's alright. Yeah. I just I'm just curious as to what I'm trying to identify what the main differences are between between the setup now and and the SMA setup. And I wasn't actually aware that you needed to provide me a SOA for the Australian listed securities.\n\nWell, to be honest, I wouldn't even aware that you had to do it for for any of them. But so right now, you wouldn't be able to say take out like, shift everything away from gold into something else without me approving in this. Is that right? Okay. Right.\n\nOkay. I see. That makes sense. Alright. In which case yeah.\n\nI'm I'm well, I mean, I'm comfortable to go ahead with the research to to see if it's if it makes sense. But, yeah, overall, I think I I would most likely be okay with that setup. Mhmm. Mhmm. Mhmm.\n\nYep. Yep. Yep. Yeah. Yeah.\n\nYep. Mhmm. Yeah. No. No.\n\nIt's fine. It seems reasonable. Yeah. Yep. Yeah.\n\nYep. Yep. Mhmm. Yeah. Sounds good.\n\nYeah. It sounds all good. That's alright. Yeah. We'll be off from Thursday until until well, we'll be back on May 4.\n\nYeah. May the fourth. Yep. Yeah. Yeah.\n\nThank you very much. Thanks. You too. Bye. See you.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.08,"end":0.58,"sentiment":"neutral","sentiment_score":0.02784266136586666},{"text":"Alan speaking.","start":4.08,"end":4.9,"sentiment":"neutral","sentiment_score":0.09630991145968437},{"text":"Alright.","start":10.0,"end":10.48,"sentiment":"neutral","sentiment_score":0.32973718643188477},{"text":"I'm going well.","start":10.48,"end":11.62,"sentiment":"positive","sentiment_score":0.5294049382209778},{"text":"Yeah.","start":18.305,"end":18.545,"sentiment":"neutral","sentiment_score":0.26162993907928467}],"sentiment":"neutral","sentiment_score":0.3000055530574173,"num_words":8,"start":0.08,"end":18.545},{"sentences":[{"text":"That's good.","start":18.545,"end":19.285,"sentiment":"positive","sentiment_score":0.3957086354494095},{"text":"Yeah.","start":28.545,"end":28.785,"sentiment":"neutral","sentiment_score":0.11093921959400176},{"text":"That's fine.","start":28.785,"end":29.605,"sentiment":"neutral","sentiment_score":0.1792089194059372},{"text":"Yeah.","start":38.3,"end":38.8,"sentiment":"neutral","sentiment_score":0.0046777441166341305},{"text":"My full name is Alan.","start":39.26,"end":40.48,"sentiment":"neutral","sentiment_score":-0.005279771983623505}],"sentiment":"neutral","sentiment_score":0.1126412012275647,"num_words":11,"start":18.545,"end":40.48},{"sentences":[{"text":"My oops.","start":41.34,"end":42.345,"sentiment":"neutral","sentiment_score":-0.024662808515131474},{"text":"Okay.","start":44.265,"end":44.665,"sentiment":"neutral","sentiment_score":-0.030276786535978317},{"text":"Sorry.","start":44.665,"end":45.065002,"sentiment":"neutral","sentiment_score":-0.12453020364046095},{"text":"I just got a weird notification.","start":45.065002,"end":46.605,"sentiment":"neutral","sentiment_score":-0.2076984072724978},{"text":"Sorry.","start":47.065002,"end":47.465,"sentiment":"neutral","sentiment_score":-0.1412910521030426}],"sentiment":"neutral","sentiment_score":-0.1446921911767938,"num_words":11,"start":41.34,"end":47.465},{"sentences":[{"text":"Yes.","start":47.465,"end":47.705,"sentiment":"neutral","sentiment_score":-0.06510286033153534},{"text":"Alan Ethan Oi.","start":47.705,"end":49.005,"sentiment":"neutral","sentiment_score":-0.09456866482893626},{"text":"And in fact, it's funny because my my phone just flagged you as a scam.","start":49.465,"end":55.86,"sentiment":"neutral","sentiment_score":-0.2846285104751587},{"text":"Well, I'm pretty sure you're not.","start":56.48,"end":58.02,"sentiment":"neutral","sentiment_score":-0.05849791628619035},{"text":"Anyway yeah.","start":61.920002,"end":62.64,"sentiment":"neutral","sentiment_score":-0.014250233769416809}],"sentiment":"neutral","sentiment_score":-0.18510090656302594,"num_words":27,"start":47.465,"end":62.64},{"sentences":[{"text":"So yeah.","start":62.64,"end":63.2,"sentiment":"neutral","sentiment_score":0.006601581349968911},{"text":"Address is 1 Longbourn Avenue, Notting Hill, and my date of birth is the 11/01/1988.","start":65.44,"end":70.34,"sentiment":"neutral","sentiment_score":0.017685797189672788},{"text":"Yeah.","start":75.975,"end":76.295,"sentiment":"neutral","sentiment_score":-0.026639096438884735},{"text":"Busy.","start":76.295,"end":76.795,"sentiment":"neutral","sentiment_score":-0.0771365612745285},{"text":"I got leave coming up on Friday, and so rushing to get everything kinda done and turned it off, obviously.","start":76.854996,"end":82.475,"sentiment":"neutral","sentiment_score":-0.12712260596454145}],"sentiment":"neutral","sentiment_score":-0.060711221960492626,"num_words":39,"start":62.64,"end":82.475},{"sentences":[{"text":"So, yeah, a little bit hectic.","start":82.615,"end":84.795,"sentiment":"neutral","sentiment_score":-0.02810806129127741},{"text":"Now overseas.","start":87.83,"end":88.549995,"sentiment":"neutral","sentiment_score":-0.007018874865025282},{"text":"Yeah.","start":88.549995,"end":88.95,"sentiment":"neutral","sentiment_score":0.02359151281416416},{"text":"I'm heading to Taiwan, so that should be pretty good.","start":88.95,"end":92.65,"sentiment":"neutral","sentiment_score":0.12425313089042903},{"text":"I mean, couple weeks, that sort of thing.","start":94.95,"end":97.27,"sentiment":"neutral","sentiment_score":-0.00015332316979765892}],"sentiment":"neutral","sentiment_score":0.040081856254902154,"num_words":27,"start":82.615,"end":97.27},{"sentences":[{"text":"Yeah.","start":97.27,"end":97.725,"sentiment":"neutral","sentiment_score":0.07518364489078522},{"text":"That's yeah.","start":98.284996,"end":99.185,"sentiment":"neutral","sentiment_score":0.1437913030385971},{"text":"Yeah.","start":102.125,"end":102.365,"sentiment":"neutral","sentiment_score":0.038132499903440475},{"text":"That's alright.","start":102.365,"end":103.104996,"sentiment":"neutral","sentiment_score":0.043867483735084534},{"text":"Yeah.","start":118.34,"end":118.579994,"sentiment":"neutral","sentiment_score":-0.026685744524002075}],"sentiment":"neutral","sentiment_score":0.0659925676882267,"num_words":7,"start":97.27,"end":118.579994},{"sentences":[{"text":"No.","start":118.579994,"end":119.079994,"sentiment":"neutral","sentiment_score":-0.04487382993102074},{"text":"So the catch up is good overall.","start":119.7,"end":122.2,"sentiment":"positive","sentiment_score":0.6320101703916278},{"text":"I'm I'm interested to know how my like, I do have access to my super.","start":122.74,"end":127.705,"sentiment":"neutral","sentiment_score":0.11642458687225977},{"text":"I can sort of see that.","start":127.705,"end":128.585,"sentiment":"neutral","sentiment_score":0.08182763184110324},{"text":"I'm interested to know how, obviously, you know, the events of recent you know, in the recent months have have affected everything.","start":128.585,"end":135.485,"sentiment":"neutral","sentiment_score":-0.06971938163042068}],"sentiment":"neutral","sentiment_score":0.09966089335434578,"num_words":51,"start":118.579994,"end":135.485},{"sentences":[{"text":"Also, what the plan is, sort of general plan is going forward in terms of how to handle those the current situation.","start":137.145,"end":144.42,"sentiment":"neutral","sentiment_score":-0.017313140190460465},{"text":"But also, I'm interested to I asked for sort of end up being bad as well.","start":145.12,"end":150.95999,"sentiment":"neutral","sentiment_score":-0.16455032536759973},{"text":"I did ask for a plan to see how to, what's it, make use of my my previous contributions that I hadn't in previous tax returns.","start":150.95999,"end":161.755,"sentiment":"neutral","sentiment_score":-0.10166171536995815},{"text":"And I can't quite remember what I was up to with that, but also with my my wife as 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on.","start":170.53001,"end":175.17001,"sentiment":"neutral","sentiment_score":-0.015028106713933604},{"text":"Yeah.","start":175.17001,"end":175.67001,"sentiment":"neutral","sentiment_score":0.192588210105896},{"text":"Mhmm.","start":195.325,"end":195.825,"sentiment":"neutral","sentiment_score":0.095024012029171},{"text":"Yep.","start":196.57,"end":197.07,"sentiment":"neutral","sentiment_score":0.10182656347751616},{"text":"Mhmm.","start":211.21,"end":211.71,"sentiment":"neutral","sentiment_score":0.013512610457837582}],"sentiment":"neutral","sentiment_score":0.01069766122640835,"num_words":18,"start":170.53001,"end":211.71},{"sentences":[{"text":"Yep.","start":211.85,"end":212.35,"sentiment":"neutral","sentiment_score":0.018480947241187096},{"text":"No.","start":215.985,"end":216.485,"sentiment":"neutral","sentiment_score":-0.09364955127239229},{"text":"My wife, I guess.","start":229.58,"end":230.64,"sentiment":"neutral","sentiment_score":0.0005370490252971654},{"text":"Yep.","start":231.81999,"end":232.31999,"sentiment":"neutral","sentiment_score":0.07582688331604004},{"text":"Yes.","start":235.58,"end":235.9,"sentiment":"neutral","sentiment_score":0.03129599243402481}],"sentiment":"neutral","sentiment_score":0.00426280847750604,"num_words":8,"start":211.85,"end":235.9},{"sentences":[{"text":"It's Quyen.","start":235.9,"end":237.26,"sentiment":"neutral","sentiment_score":0.016510450281202793},{"text":"That's q u y e n.","start":237.26,"end":239.36,"sentiment":"neutral","sentiment_score":0.01207043882459402},{"text":"And then do you need a middle name as well, like a full name?","start":241.345,"end":244.805,"sentiment":"neutral","sentiment_score":0.023095829944525446},{"text":"Okay.","start":247.105,"end":247.505,"sentiment":"neutral","sentiment_score":0.22629976272583008},{"text":"Yep.","start":247.505,"end":247.745,"sentiment":"neutral","sentiment_score":0.15804888308048248}],"sentiment":"neutral","sentiment_score":0.03388057493915161,"num_words":24,"start":235.9,"end":247.745},{"sentences":[{"text":"And last name is Ho, h o.","start":247.745,"end":249.605,"sentiment":"neutral","sentiment_score":0.09376691175358635},{"text":"Yep.","start":255.025,"end":255.525,"sentiment":"neutral","sentiment_score":0.033241551369428635},{"text":"0400, 99, 3041.","start":256.31998,"end":266.18,"sentiment":"neutral","sentiment_score":0.021371015657981236},{"text":"Yep.","start":268.515,"end":269.015,"sentiment":"positive","sentiment_score":0.55503249168396},{"text":"Yep.","start":279.635,"end":280.135,"sentiment":"neutral","sentiment_score":0.036847442388534546}],"sentiment":"neutral","sentiment_score":0.1035079165146901,"num_words":13,"start":247.745,"end":280.135},{"sentences":[{"text":"Still the same.","start":280.355,"end":281.255,"sentiment":"neutral","sentiment_score":0.0720889816681544},{"text":"Yep.","start":284.35,"end":284.66998,"sentiment":"neutral","sentiment_score":0.05202057212591171},{"text":"Same company.","start":284.66998,"end":285.49,"sentiment":"neutral","sentiment_score":0.05252020061016083},{"text":"That's my base salary, I guess.","start":294.925,"end":299.10498,"sentiment":"neutral","sentiment_score":0.08219464061160882},{"text":"Yes.","start":305.32498,"end":305.82498,"sentiment":"neutral","sentiment_score":0.04264788702130318}],"sentiment":"neutral","sentiment_score":0.0699341268493579,"num_words":13,"start":280.355,"end":305.82498},{"sentences":[{"text":"So one second.","start":306.125,"end":308.64,"sentiment":"neutral","sentiment_score":0.030566986029346783},{"text":"Just waiting for things to load.","start":312.32,"end":317.52002,"sentiment":"neutral","sentiment_score":0.0450333288560311},{"text":"Sorry.","start":317.52002,"end":318.02002,"sentiment":"neutral","sentiment_score":-0.005115079693496227},{"text":"Yeah.","start":331.00497,"end":331.32498,"sentiment":"neutral","sentiment_score":0.03626587241888046},{"text":"So it's it's a free, like, portion salary, I guess, because it's a comp is composed of a base salary plus bonus plus stock compensation.","start":331.32498,"end":343.74,"sentiment":"neutral","sentiment_score":0.027189249321818352}],"sentiment":"neutral","sentiment_score":0.029799526583196387,"num_words":36,"start":306.125,"end":343.74},{"sentences":[{"text":"So right now, my base salary is $2.32.","start":345.47998,"end":349.485,"sentiment":"neutral","sentiment_score":0.07829108089208603},{"text":"Yep.","start":352.185,"end":352.685,"sentiment":"neutral","sentiment_score":0.05585670098662376},{"text":"The bonus target is about $46 for this year.","start":352.905,"end":356.685,"sentiment":"neutral","sentiment_score":0.06875048867530292},{"text":"And then stocks is one of those things that fluctuates quite a lot.","start":360.185,"end":365.0,"sentiment":"neutral","sentiment_score":-0.039139871700451925},{"text":"Obviously, it's like taken a real hit this year, unfortunately.","start":366.02,"end":370.36,"sentiment":"neutral","sentiment_score":-0.2680199906229973}],"sentiment":"neutral","sentiment_score":-0.046050694930117306,"num_words":41,"start":345.47998,"end":370.36},{"sentences":[{"text":"So, yeah, it's been a bit crap.","start":372.58,"end":376.50497,"sentiment":"neutral","sentiment_score":-0.26389813103846144},{"text":"Like, I think at at one point, it was, you know, the the estimated for for the year was, like, around, like, over 300 for just my stock component, and right now, it's about 75,000.","start":376.50497,"end":388.44498,"sentiment":"neutral","sentiment_score":-0.13127324559858866},{"text":"So, yeah, it's fluctuated quite a bit.","start":388.94998,"end":391.35,"sentiment":"neutral","sentiment_score":-0.07950020315391677},{"text":"So I think probably this year, my total earnings will probably be around the $3.53 80 mark, somewhere in there.","start":391.35,"end":398.5,"sentiment":"neutral","sentiment_score":-0.014906177890952676},{"text":"Yes.","start":413.365,"end":413.76498,"sentiment":"neutral","sentiment_score":0.08745840936899185}],"sentiment":"neutral","sentiment_score":-0.10298595833924733,"num_words":70,"start":372.58,"end":413.76498},{"sentences":[{"text":"My bonus would be just income.","start":413.76498,"end":417.22498,"sentiment":"neutral","sentiment_score":0.14350488285223642},{"text":"I'm pretty sure.","start":417.44498,"end":418.88998,"sentiment":"neutral","sentiment_score":0.13748659690221152},{"text":"And so that would go through all and I'm pretty sure that comes lines in my bank account post tax and post super stuff.","start":418.88998,"end":426.99,"sentiment":"neutral","sentiment_score":0.18654769596954188},{"text":"Yep.","start":458.53003,"end":459.03003,"sentiment":"neutral","sentiment_score":0.06527917087078094},{"text":"Yes.","start":459.81003,"end":460.21002,"sentiment":"neutral","sentiment_score":0.08225950598716736}],"sentiment":"neutral","sentiment_score":0.16851921336991446,"num_words":35,"start":413.76498,"end":460.21002},{"sentences":[{"text":"It's just whatever the there yeah.","start":460.21002,"end":462.245,"sentiment":"neutral","sentiment_score":0.07761207967996597},{"text":"It's an Australian company.","start":462.245,"end":463.545,"sentiment":"neutral","sentiment_score":0.0484157083556056},{"text":"And so, yeah, it's just a minimum.","start":463.605,"end":465.125,"sentiment":"neutral","sentiment_score":0.07351612140025411},{"text":"Yep.","start":465.125,"end":465.625,"sentiment":"neutral","sentiment_score":0.08443830907344818},{"text":"Mhmm.","start":470.325,"end":470.825,"sentiment":"neutral","sentiment_score":0.023223314434289932}],"sentiment":"neutral","sentiment_score":0.0674531465690387,"num_words":19,"start":460.21002,"end":470.825},{"sentences":[{"text":"I do not know.","start":503.16998,"end":504.05,"sentiment":"neutral","sentiment_score":-0.0636208625510335},{"text":"Sorry.","start":504.05,"end":504.55,"sentiment":"neutral","sentiment_score":-0.106061652302742},{"text":"No.","start":505.41,"end":505.88998,"sentiment":"neutral","sentiment_score":-0.1727350950241089},{"text":"Not off the top of my head.","start":505.88998,"end":507.25,"sentiment":"neutral","sentiment_score":-0.18585844763687678},{"text":"Yeah.","start":507.25,"end":507.75,"sentiment":"neutral","sentiment_score":-0.023513933643698692}],"sentiment":"neutral","sentiment_score":-0.13270023318805865,"num_words":14,"start":503.16998,"end":507.75},{"sentences":[{"text":"I can find out, though.","start":508.77,"end":510.22998,"sentiment":"neutral","sentiment_score":-0.013056867197155953},{"text":"Mhmm.","start":517.33,"end":517.83,"sentiment":"neutral","sentiment_score":0.058281444013118744},{"text":"Mhmm.","start":523.935,"end":524.095,"sentiment":"neutral","sentiment_score":0.05131179466843605},{"text":"Yep.","start":524.095,"end":524.595,"sentiment":"neutral","sentiment_score":0.060072652995586395},{"text":"Is there some way that sorry.","start":525.855,"end":528.735,"sentiment":"neutral","sentiment_score":-0.02257074632992347}],"sentiment":"neutral","sentiment_score":-0.002217351592012814,"num_words":14,"start":508.77,"end":528.735},{"sentences":[{"text":"Because I know I'm I I have a terrible memory.","start":528.735,"end":531.18,"sentiment":"neutral","sentiment_score":-0.1524571120738983},{"text":"Is there some way that yes, please.","start":531.26,"end":534.7,"sentiment":"neutral","sentiment_score":0.04676798704479422},{"text":"That would be great.","start":534.7,"end":535.83997,"sentiment":"positive","sentiment_score":0.4809643477201462},{"text":"Yep.","start":554.08496,"end":554.58496,"sentiment":"neutral","sentiment_score":0.04787516221404075},{"text":"So I believe I did I I think, actually, from what I recall, I did, but I think my company asked me how much total I want to contribute.","start":562.01,"end":576.195,"sentiment":"neutral","sentiment_score":0.018176843861824478}],"sentiment":"neutral","sentiment_score":0.025522859091413955,"num_words":51,"start":528.735,"end":576.195},{"sentences":[{"text":"I have to double check.","start":577.055,"end":578.33496,"sentiment":"neutral","sentiment_score":0.010059278085827827},{"text":"And I think if that's the case, then I think the aim was to set it to be an amount that was maybe needs to be updated now.","start":578.33496,"end":587.05,"sentiment":"neutral","sentiment_score":0.0006418431044689246},{"text":"Has it gone up to 30,000?","start":587.05,"end":588.41003,"sentiment":"neutral","sentiment_score":0.005440985473493735},{"text":"Is that the cap?","start":588.41003,"end":589.31,"sentiment":"neutral","sentiment_score":-0.008278989233076572},{"text":"Yeah.","start":591.37,"end":591.61,"sentiment":"neutral","sentiment_score":0.024234505370259285}],"sentiment":"neutral","sentiment_score":0.002091646787117828,"num_words":44,"start":577.055,"end":591.61},{"sentences":[{"text":"Okay.","start":591.61,"end":591.93,"sentiment":"neutral","sentiment_score":0.025078972801566124},{"text":"So I think at the time, I was anticipating it would be something like $27,500 or something like that, somewhere around that mark.","start":591.93,"end":598.41003,"sentiment":"neutral","sentiment_score":-0.026245645854784096},{"text":"So I might need to update it, and I can check all this.","start":598.41003,"end":601.185,"sentiment":"neutral","sentiment_score":-0.018314733958015077},{"text":"I I just haven't, you know, I haven't done that.","start":601.185,"end":604.005,"sentiment":"neutral","sentiment_score":-0.19228895753622055},{"text":"So what I recall, and I have to dig up the email, but maybe you have the analysis from Dana there, was that there was some potential to go back and and because I I I haven't been contributing to my super the whole time I've been employed.","start":629.925,"end":647.87,"sentiment":"neutral","sentiment_score":-0.042329810482139386}],"sentiment":"neutral","sentiment_score":-0.05022508317702695,"num_words":95,"start":591.61,"end":647.87},{"sentences":[{"text":"And I think there was the way it was explained to me was that there was some opportunity for us to to sort of leverage some of the missed opportunity back in previous financial years in order to contribute maybe more to, like yeah.","start":648.25,"end":662.65497,"sentiment":"neutral","sentiment_score":0.04570157944478772},{"text":"Mhmm.","start":666.315,"end":666.815,"sentiment":"neutral","sentiment_score":0.020234515890479088},{"text":"Right.","start":711.46497,"end":711.96497,"sentiment":"neutral","sentiment_score":0.20702144503593445},{"text":"Yeah.","start":725.54,"end":725.78,"sentiment":"neutral","sentiment_score":0.08929058909416199},{"text":"I think the latter.","start":725.78,"end":726.66003,"sentiment":"neutral","sentiment_score":0.08896627463400364}],"sentiment":"neutral","sentiment_score":0.05261335576720098,"num_words":51,"start":648.25,"end":726.66003},{"sentences":[{"text":"I think, for me, like, I'm in a financial position where, I don't really need like, I don't have a well, I do have a mortgage, but it's it's all paid off, basically.","start":726.66003,"end":736.36,"sentiment":"neutral","sentiment_score":0.04439855492532705},{"text":"And I'm just really kinda focused on, I guess, the future.","start":737.08496,"end":740.865,"sentiment":"neutral","sentiment_score":0.14845581623640927},{"text":"So I want to be, yeah, doing things in kind of as effective as a matter as possible.","start":741.885,"end":749.105,"sentiment":"positive","sentiment_score":0.38484208782513935},{"text":"I I thought I think I might have already kinda done this.","start":764.725,"end":769.06494,"sentiment":"neutral","sentiment_score":0.03276814272006353},{"text":"I vaguely recall jumping into myGov for this for Dana at the time.","start":769.20496,"end":774.90497,"sentiment":"neutral","sentiment_score":0.11628700205339836}],"sentiment":"neutral","sentiment_score":0.1371295702451005,"num_words":87,"start":726.66003,"end":774.90497},{"sentences":[{"text":"I can pick up the email and shoot I'm sure I probably have it somewhere.","start":775.045,"end":780.95,"sentiment":"neutral","sentiment_score":0.024652241046229997},{"text":"But, yeah, I think I've I've sort of pulled these.","start":781.25,"end":783.97,"sentiment":"neutral","sentiment_score":-0.014303016662597656},{"text":"I have very wet memories of pulling these documents at some point.","start":783.97,"end":787.35,"sentiment":"neutral","sentiment_score":-0.06178117450326681},{"text":"Mhmm.","start":793.97,"end":794.47,"sentiment":"neutral","sentiment_score":-0.011089147068560123},{"text":"Yep.","start":823.34,"end":823.84,"sentiment":"neutral","sentiment_score":0.3109545111656189}],"sentiment":"neutral","sentiment_score":-0.005506545663453066,"num_words":39,"start":775.045,"end":823.84},{"sentences":[{"text":"I guess I don't really know fully the, like, consequences of maximizing it or not maximizing it.","start":845.88,"end":853.42004,"sentiment":"neutral","sentiment_score":-0.08953521422603551},{"text":"My initial thought is that I don't really have a reason not to maximize it, so I probably would.","start":855.295,"end":860.255,"sentiment":"neutral","sentiment_score":-0.09894543748937155},{"text":"But but yeah.","start":860.255,"end":862.205,"sentiment":"neutral","sentiment_score":-0.06150363509853681},{"text":"Yep.","start":869.49,"end":869.99,"sentiment":"neutral","sentiment_score":-0.10156892985105516},{"text":"Right.","start":873.65,"end":874.05,"sentiment":"neutral","sentiment_score":-0.0958835780620575}],"sentiment":"neutral","sentiment_score":-0.09229330164266795,"num_words":41,"start":845.88,"end":874.05},{"sentences":[{"text":"Yep.","start":874.05,"end":874.55,"sentiment":"neutral","sentiment_score":-0.06283046305179596},{"text":"Yep.","start":882.49506,"end":882.99506,"sentiment":"neutral","sentiment_score":-0.19106672704219815},{"text":"Alright.","start":884.655,"end":885.155,"sentiment":"neutral","sentiment_score":0.044201478362083435},{"text":"Yeah.","start":885.53503,"end":885.775,"sentiment":"neutral","sentiment_score":0.10178519785404204},{"text":"Okay.","start":885.775,"end":886.275,"sentiment":"neutral","sentiment_score":0.08664849400520325}],"sentiment":"neutral","sentiment_score":-0.004252403974533084,"num_words":5,"start":874.05,"end":886.275},{"sentences":[{"text":"Mhmm.","start":893.31,"end":893.81,"sentiment":"neutral","sentiment_score":-0.034868985414505005},{"text":"Yep.","start":900.6975,"end":901.1975,"sentiment":"neutral","sentiment_score":-0.03196914121508598},{"text":"Yeah.","start":912.805,"end":913.305,"sentiment":"neutral","sentiment_score":0.08525529503822327},{"text":"Yeah.","start":918.005,"end":918.255,"sentiment":"neutral","sentiment_score":0.08710155636072159},{"text":"Mhmm.","start":918.255,"end":918.755,"sentiment":"neutral","sentiment_score":0.1037863790988922}],"sentiment":"neutral","sentiment_score":0.04186102077364921,"num_words":5,"start":893.31,"end":918.755},{"sentences":[{"text":"Yeah.","start":922.23,"end":922.73,"sentiment":"neutral","sentiment_score":0.14290475845336914},{"text":"No.","start":929.67,"end":929.91,"sentiment":"neutral","sentiment_score":-0.13104435801506042},{"text":"I was gonna say all of that sounds aligned with what I I I want.","start":929.91,"end":933.85,"sentiment":"neutral","sentiment_score":-0.035917223912353316},{"text":"So I I think it'd totally be that I would maximize it.","start":934.01495,"end":936.975,"sentiment":"neutral","sentiment_score":0.08321070888390143},{"text":"I I don't really yeah.","start":936.975,"end":939.135,"sentiment":"neutral","sentiment_score":-0.2232442855834961}],"sentiment":"neutral","sentiment_score":-0.01895855528110748,"num_words":34,"start":922.23,"end":939.135},{"sentences":[{"text":"I'm not in a position where I need access to that money anytime soon, and I'm hoping I don't go anywhere between now and Yeah.","start":939.135,"end":955.09,"sentiment":"neutral","sentiment_score":-0.14865608155727386},{"text":"Mhmm.","start":955.71,"end":956.21,"sentiment":"neutral","sentiment_score":0.06178867816925049},{"text":"Mhmm.","start":962.83,"end":963.33,"sentiment":"neutral","sentiment_score":0.06541506946086884},{"text":"Yep.","start":976.145,"end":976.645,"sentiment":"neutral","sentiment_score":0.09838618338108064},{"text":"Yeah.","start":977.185,"end":977.685,"sentiment":"neutral","sentiment_score":0.13614431023597717}],"sentiment":"neutral","sentiment_score":-0.11567819992016101,"num_words":29,"start":939.135,"end":977.685},{"sentences":[{"text":"Mhmm.","start":984.22,"end":984.72,"sentiment":"neutral","sentiment_score":0.0007008807733654976},{"text":"So she's not employed at the moment.","start":992.475,"end":994.975,"sentiment":"neutral","sentiment_score":-0.10734614091260093},{"text":"So, yeah, she's just yeah.","start":996.795,"end":998.315,"sentiment":"neutral","sentiment_score":-0.045997952669858934},{"text":"She has no, like, serious amounts of, like, income.","start":998.315,"end":1002.575,"sentiment":"neutral","sentiment_score":-0.06419027306967312},{"text":"A bit here and there, she has used some hobbies, like, things on the side, like, other pursuits on the side, but nothing that's, like, you know, nothing that even comes close to, like, a sort of full time salary.","start":1003.035,"end":1016.02997,"sentiment":"neutral","sentiment_score":-0.09860918084159494}],"sentiment":"neutral","sentiment_score":-0.08875470258475791,"num_words":62,"start":984.22,"end":1016.02997},{"sentences":[{"text":"Yeah.","start":1016.02997,"end":1016.52997,"sentiment":"neutral","sentiment_score":0.0705624371767044},{"text":"Yep.","start":1049.755,"end":1050.255,"sentiment":"neutral","sentiment_score":0.09668850153684616},{"text":"Mhmm.","start":1058.635,"end":1059.135,"sentiment":"neutral","sentiment_score":0.09448841214179993},{"text":"I think she's I think it's the super.","start":1076.335,"end":1079.715,"sentiment":"neutral","sentiment_score":0.0002770771679934114},{"text":"That's the main thing.","start":1079.9349,"end":1081.315,"sentiment":"neutral","sentiment_score":0.025702424347400665}],"sentiment":"neutral","sentiment_score":0.024451044372593364,"num_words":15,"start":1016.02997,"end":1081.315},{"sentences":[{"text":"I'm not sure if she's I don't think she's opposed to the idea of coming on board, but I'm not well, maybe it's a conversation that you can have with her instead.","start":1082.575,"end":1094.36,"sentiment":"neutral","sentiment_score":-0.16399724083021283},{"text":"Yeah.","start":1095.7,"end":1096.1799,"sentiment":"neutral","sentiment_score":-0.018340114504098892},{"text":"Because I'm not sure if go ahead.","start":1096.1799,"end":1098.8999,"sentiment":"neutral","sentiment_score":-0.17635764181613922},{"text":"Maybe I'm putting words in in your mouth, but I'm not sure if it's if it's, like, exactly what she she kinda do given that she is unemployed.","start":1098.8999,"end":1107.095,"sentiment":"neutral","sentiment_score":-0.2197633178106376},{"text":"You know?","start":1107.155,"end":1107.815,"sentiment":"neutral","sentiment_score":-0.04844867251813412}],"sentiment":"neutral","sentiment_score":-0.18215750796454294,"num_words":70,"start":1082.575,"end":1107.815},{"sentences":[{"text":"So yeah.","start":1108.835,"end":1110.135,"sentiment":"neutral","sentiment_score":-0.022416453808546066},{"text":"No.","start":1115.395,"end":1115.715,"sentiment":"neutral","sentiment_score":-0.23364311456680295},{"text":"Not really.","start":1115.715,"end":1116.535,"sentiment":"neutral","sentiment_score":-0.24044039100408554},{"text":"So yeah.","start":1116.6749,"end":1117.895,"sentiment":"neutral","sentiment_score":-0.17152190953493118},{"text":"I don't know.","start":1125.0499,"end":1125.85,"sentiment":"neutral","sentiment_score":-0.11992493023475011}],"sentiment":"neutral","sentiment_score":-0.14621754139661788,"num_words":10,"start":1108.835,"end":1125.85},{"sentences":[{"text":"Like, I'm $1.80 sort of max, somewhere around there.","start":1125.85,"end":1129.37,"sentiment":"neutral","sentiment_score":-0.06430988551841842},{"text":"I think that's a rough estimate.","start":1129.37,"end":1130.6499,"sentiment":"neutral","sentiment_score":-0.021037864809234936},{"text":"It's somewhere between $1.50 to 200 max.","start":1130.6499,"end":1134.35,"sentiment":"neutral","sentiment_score":0.01769896363839507},{"text":"Yeah.","start":1136.3551,"end":1136.8551,"sentiment":"positive","sentiment_score":0.5784037113189697},{"text":"Mhmm.","start":1149.54,"end":1150.04,"sentiment":"neutral","sentiment_score":0.09027504920959473}],"sentiment":"neutral","sentiment_score":0.003037234079902587,"num_words":24,"start":1125.85,"end":1150.04},{"sentences":[{"text":"Yep.","start":1157.3025,"end":1157.8025,"sentiment":"neutral","sentiment_score":0.04177447408437729},{"text":"Yeah.","start":1167.945,"end":1168.1849,"sentiment":"neutral","sentiment_score":0.0718923807144165},{"text":"Makes 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this?","start":1247.0951,"end":1252.4751,"sentiment":"neutral","sentiment_score":0.07696805836167186}],"sentiment":"neutral","sentiment_score":0.07777847971634141,"num_words":7,"start":1215.4199,"end":1252.4751},{"sentences":[{"text":"Mhmm.","start":1258.6151,"end":1259.1151,"sentiment":"neutral","sentiment_score":0.3314018249511719},{"text":"Yep.","start":1261.59,"end":1261.91,"sentiment":"neutral","sentiment_score":0.33129140734672546},{"text":"Makes sense.","start":1261.91,"end":1262.65,"sentiment":"neutral","sentiment_score":0.3044028729200363},{"text":"Yep.","start":1272.71,"end":1273.21,"sentiment":"neutral","sentiment_score":0.12122873961925508},{"text":"It will well, it'll probably have to be sometime next month as we are getting on leave pretty soon.","start":1281.4249,"end":1287.9249,"sentiment":"neutral","sentiment_score":0.041660164826010405}],"sentiment":"neutral","sentiment_score":0.09101128539380927,"num_words":24,"start":1258.6151,"end":1287.9249},{"sentences":[{"text":"So yeah.","start":1296.3201,"end":1297.06,"sentiment":"neutral","sentiment_score":0.1105625480413437},{"text":"Mhmm.","start":1302.4,"end":1302.9,"sentiment":"neutral","sentiment_score":0.06934342533349991},{"text":"Yep.","start":1311.115,"end":1311.615,"sentiment":"neutral","sentiment_score":0.13867348432540894},{"text":"Yes.","start":1325.39,"end":1325.79,"sentiment":"neutral","sentiment_score":0.17048650979995728},{"text":"Yeah.","start":1325.79,"end":1326.03,"sentiment":"neutral","sentiment_score":0.16904383897781372}],"sentiment":"neutral","sentiment_score":0.1281120590865612,"num_words":6,"start":1296.3201,"end":1326.03},{"sentences":[{"text":"Yeah.","start":1326.03,"end":1326.27,"sentiment":"neutral","sentiment_score":0.1704496592283249},{"text":"Sounds good.","start":1326.27,"end":1327.01,"sentiment":"positive","sentiment_score":0.3481263220310211},{"text":"Yeah.","start":1329.15,"end":1329.47,"sentiment":"neutral","sentiment_score":0.25215059518814087},{"text":"It does it does sound yeah.","start":1329.47,"end":1331.475,"sentiment":"neutral","sentiment_score":0.3175521492958069},{"text":"It sounds good.","start":1331.475,"end":1332.215,"sentiment":"positive","sentiment_score":0.4366208513577779}],"sentiment":"positive","sentiment_score":0.33338679602512944,"num_words":13,"start":1326.03,"end":1332.215},{"sentences":[{"text":"It will probably be, like, it'll probably be a Tuesday, and I'll I would probably say, like, at a tentative date just to give you an idea, but we'll confirm the emails later.","start":1332.6749,"end":1344.275,"sentiment":"neutral","sentiment_score":0.11154311737327864},{"text":"Like, maybe the May 12 or something like that.","start":1344.275,"end":1350.35,"sentiment":"neutral","sentiment_score":0.08632074669003487},{"text":"Yeah.","start":1351.19,"end":1351.69,"sentiment":"neutral","sentiment_score":0.1812123507261276},{"text":"Yep.","start":1355.03,"end":1355.53,"sentiment":"neutral","sentiment_score":0.17703360319137573},{"text":"Yep.","start":1362.425,"end":1362.925,"sentiment":"neutral","sentiment_score":0.195390984416008}],"sentiment":"neutral","sentiment_score":0.11136547848582268,"num_words":45,"start":1332.6749,"end":1362.925},{"sentences":[{"text":"Yeah.","start":1364.985,"end":1365.485,"sentiment":"neutral","sentiment_score":0.12450867891311646},{"text":"Yep.","start":1366.905,"end":1367.405,"sentiment":"neutral","sentiment_score":0.1347101628780365},{"text":"Yeah.","start":1391.245,"end":1391.565,"sentiment":"neutral","sentiment_score":0.05064702033996582},{"text":"Makes sense.","start":1391.565,"end":1392.305,"sentiment":"neutral","sentiment_score":0.17117667943239212},{"text":"I haven't decided.","start":1406.3,"end":1407.2001,"sentiment":"neutral","sentiment_score":-0.09637018293142319}],"sentiment":"neutral","sentiment_score":0.04538858402520418,"num_words":8,"start":1364.985,"end":1407.2001},{"sentences":[{"text":"Like, we haven't really decided that.","start":1407.5,"end":1409.4401,"sentiment":"neutral","sentiment_score":-0.173477062334617},{"text":"Yeah.","start":1410.06,"end":1410.54,"sentiment":"neutral","sentiment_score":-0.07395316660404205},{"text":"So there's none of that sort of it even, like, the start of a decision there hasn't really been made.","start":1410.54,"end":1417.92,"sentiment":"neutral","sentiment_score":-0.10993642415851354},{"text":"Yes, please.","start":1428.375,"end":1429.195,"sentiment":"neutral","sentiment_score":0.06688852235674858},{"text":"Yep.","start":1433.8301,"end":1434.3301,"sentiment":"neutral","sentiment_score":0.0803489089012146}],"sentiment":"neutral","sentiment_score":-0.10331393567224344,"num_words":30,"start":1407.5,"end":1434.3301},{"sentences":[{"text":"Yeah.","start":1457.5851,"end":1457.9851,"sentiment":"neutral","sentiment_score":0.0354234054684639},{"text":"Yeah.","start":1457.9851,"end":1458.305,"sentiment":"neutral","sentiment_score":0.07522927224636078},{"text":"Makes sense.","start":1458.305,"end":1459.045,"sentiment":"neutral","sentiment_score":0.11002100631594658},{"text":"Yes.","start":1483.125,"end":1483.625,"sentiment":"neutral","sentiment_score":0.02754034474492073},{"text":"So it would probably be still around that 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a bit.","start":1515.795,"end":1519.1799,"sentiment":"neutral","sentiment_score":-0.027245908975601196},{"text":"I think last time I checked, it was around the $1.90 mark.","start":1521.3999,"end":1525.0199,"sentiment":"neutral","sentiment_score":-0.0008049650738636652},{"text":"Yeah.","start":1532.865,"end":1533.185,"sentiment":"neutral","sentiment_score":0.15460461378097534},{"text":"I I can check, but I'm pretty sure it was around that.","start":1533.185,"end":1537.4451,"sentiment":"neutral","sentiment_score":0.1250312818835179},{"text":"Yep.","start":1543.025,"end":1543.44,"sentiment":"neutral","sentiment_score":0.18498055636882785}],"sentiment":"neutral","sentiment_score":0.047421579413554245,"num_words":34,"start":1515.795,"end":1543.44},{"sentences":[{"text":"Yes.","start":1551.2,"end":1551.7,"sentiment":"neutral","sentiment_score":0.06524410098791122},{"text":"Still have that one.","start":1551.7599,"end":1552.82,"sentiment":"neutral","sentiment_score":0.0874917609617114},{"text":"Mhmm.","start":1578.8601,"end":1579.3601,"sentiment":"neutral","sentiment_score":0.033928997814655304},{"text":"Yep.","start":1580.2601,"end":1580.7601,"sentiment":"neutral","sentiment_score":0.1176723688840866},{"text":"That's correct.","start":1581.6602,"end":1583.56,"sentiment":"neutral","sentiment_score":0.06774505600333214}],"sentiment":"neutral","sentiment_score":0.0780336248377959,"num_words":9,"start":1551.2,"end":1583.56},{"sentences":[{"text":"Well, yes.","start":1584.4601,"end":1584.9401,"sentiment":"neutral","sentiment_score":0.0619271844625473},{"text":"I do.","start":1584.9401,"end":1585.52,"sentiment":"neutral","sentiment_score":0.09211621806025505},{"text":"Yes.","start":1590.605,"end":1591.105,"sentiment":"neutral","sentiment_score":0.06871828436851501},{"text":"Yeah.","start":1601.165,"end":1601.665,"sentiment":"neutral","sentiment_score":0.07559110224246979},{"text":"No.","start":1611.28,"end":1611.6,"sentiment":"neutral","sentiment_score":-0.08183474838733673}],"sentiment":"neutral","sentiment_score":0.052937349038464684,"num_words":7,"start":1584.4601,"end":1611.6},{"sentences":[{"text":"I don't think I have a will in 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mean, like, not a specific goal.","start":1662.38,"end":1667.26,"sentiment":"neutral","sentiment_score":-0.08885926221098218},{"text":"I mean, retirement, obviously, but not directly.","start":1667.26,"end":1673.495,"sentiment":"neutral","sentiment_score":-0.07416274398565292}],"sentiment":"neutral","sentiment_score":-0.07660382005729173,"num_words":19,"start":1635.34,"end":1673.495},{"sentences":[{"text":"No.","start":1673.5549,"end":1674.0549,"sentiment":"neutral","sentiment_score":-0.2466716766357422},{"text":"Yeah.","start":1685.315,"end":1685.815,"sentiment":"neutral","sentiment_score":-0.03223752975463867},{"text":"I've kind of, like, soured on the idea a little bit, choosing rather choosing more to, like, just do investments in, like, as as like, not in property, basically.","start":1689.1901,"end":1704.105,"sentiment":"neutral","sentiment_score":-0.0506455583562111},{"text":"I'm not so fond of the idea of property investment anymore.","start":1706.165,"end":1709.845,"sentiment":"neutral","sentiment_score":0.024686156687411396},{"text":"I don't know.","start":1709.845,"end":1710.405,"sentiment":"neutral","sentiment_score":-0.07861776898304622}],"sentiment":"neutral","sentiment_score":-0.0380430218246248,"num_words":45,"start":1673.5549,"end":1710.405},{"sentences":[{"text":"I might change my mind in another six months.","start":1710.405,"end":1712.165,"sentiment":"neutral","sentiment_score":-0.046776574932866626},{"text":"You know?","start":1712.165,"end":1712.485,"sentiment":"neutral","sentiment_score":-0.0191064877435565},{"text":"But but right now, I'm not I'm not yeah.","start":1712.485,"end":1715.4099,"sentiment":"neutral","sentiment_score":-0.07469411463373238},{"text":"Not 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point.","start":1741.245,"end":1757.325,"sentiment":"neutral","sentiment_score":-0.16439076393014854},{"text":"I think it might, you know, delay a a future investment.","start":1758.205,"end":1760.945,"sentiment":"neutral","sentiment_score":-0.16770955513824115}],"sentiment":"neutral","sentiment_score":-0.11356884748429845,"num_words":76,"start":1727.73,"end":1760.945},{"sentences":[{"text":"The thing is that I don't really have a particular financial goal apart from just, extend the welfare a little bit more and get, like, put position myself well for the time and things like yeah.","start":1761.245,"end":1773.9601,"sentiment":"neutral","sentiment_score":-0.09729157181249724},{"text":"Yep.","start":1792.145,"end":1792.645,"sentiment":"neutral","sentiment_score":0.06532758474349976},{"text":"Mhmm.","start":1801.21,"end":1801.71,"sentiment":"neutral","sentiment_score":0.056547611951828},{"text":"I mean, if it's like a thousand dollars by two days purchasing power at that point in time, then then I think that's probably fine.","start":1819.265,"end":1829.845,"sentiment":"neutral","sentiment_score":0.22031879380345346},{"text":"Like, we don't live a particularly lavish lifestyle.","start":1831.12,"end":1833.62,"sentiment":"neutral","sentiment_score":-0.17849450185894966}],"sentiment":"neutral","sentiment_score":0.00985059776986149,"num_words":71,"start":1761.245,"end":1833.62},{"sentences":[{"text":"So I think it should be should be I yeah.","start":1834.08,"end":1837.44,"sentiment":"neutral","sentiment_score":0.11824189759790897},{"text":"It should be doable.","start":1837.44,"end":1838.4199,"sentiment":"positive","sentiment_score":0.5657250136137009},{"text":"That's where I wanna so, like, at least I guess, as a minimum, that's what I'm aiming for.","start":1839.52,"end":1843.76,"sentiment":"positive","sentiment_score":0.3935595055421193},{"text":"And then above that, it's it's kind of 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whatever.","start":2111.4949,"end":2122.79,"sentiment":"neutral","sentiment_score":-0.04446540909874089},{"text":"Yeah.","start":2123.41,"end":2123.91,"sentiment":"neutral","sentiment_score":0.0338321328163147}],"sentiment":"neutral","sentiment_score":-0.01374664348927704,"num_words":74,"start":2096.855,"end":2123.91},{"sentences":[{"text":"Yeah.","start":2126.865,"end":2127.365,"sentiment":"neutral","sentiment_score":0.026684578508138657},{"text":"That one, I probably wouldn't.","start":2139.22,"end":2140.52,"sentiment":"neutral","sentiment_score":-0.16199981570243835},{"text":"No.","start":2141.8599,"end":2142.3599,"sentiment":"neutral","sentiment_score":-0.17588725686073303},{"text":"Yeah.","start":2157.2449,"end":2157.565,"sentiment":"neutral","sentiment_score":-0.042732853442430496},{"text":"That's an interesting question because it reveals a bit of a hypocrisy in my initial line of 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think it makes sense for me to move on to a high growth one.","start":2333.0498,"end":2336.8298,"sentiment":"neutral","sentiment_score":0.2849006871382395}],"sentiment":"neutral","sentiment_score":0.24775361985360322,"num_words":19,"start":2310.975,"end":2336.8298},{"sentences":[{"text":"Yeah.","start":2338.49,"end":2338.99,"sentiment":"positive","sentiment_score":0.4053528308868408},{"text":"Yep.","start":2358.17,"end":2358.67,"sentiment":"neutral","sentiment_score":0.06253017485141754},{"text":"Yep.","start":2359.6099,"end":2360.1099,"sentiment":"neutral","sentiment_score":0.14773595333099365},{"text":"I 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4.","start":3506.445,"end":3515.25,"sentiment":"neutral","sentiment_score":0.02328038029372692}],"sentiment":"neutral","sentiment_score":0.03233291776004163,"num_words":22,"start":3492.93,"end":3515.25},{"sentences":[{"text":"Yeah.","start":3515.33,"end":3515.73,"sentiment":"neutral","sentiment_score":0.03351663053035736},{"text":"May the fourth.","start":3515.73,"end":3519.99,"sentiment":"neutral","sentiment_score":0.06766057138641675},{"text":"Yep.","start":3525.49,"end":3525.99,"sentiment":"neutral","sentiment_score":0.14929687976837158},{"text":"Yeah.","start":3538.255,"end":3538.755,"sentiment":"neutral","sentiment_score":0.18904685974121097},{"text":"Yeah.","start":3540.015,"end":3540.255,"sentiment":"neutral","sentiment_score":0.2558947503566742}],"sentiment":"neutral","sentiment_score":0.11867669065083776,"num_words":7,"start":3515.33,"end":3540.255},{"sentences":[{"text":"Thank you very much.","start":3540.255,"end":3541.26,"sentiment":"positive","sentiment_score":0.531541034579277},{"text":"Thanks.","start":3545.74,"end":3546.14,"sentiment":"positive","sentiment_score":0.3873398303985596},{"text":"You too.","start":3546.14,"end":3546.8801,"sentiment":"neutral","sentiment_score":0.24804002046585083},{"text":"Bye.","start":3547.74,"end":3548.24,"sentiment":"neutral","sentiment_score":0.20536498725414276},{"text":"See you.","start":3549.18,"end":3549.92,"sentiment":"neutral","sentiment_score":0.27789875864982605}],"sentiment":"positive","sentiment_score":0.3770746514201164,"num_words":10,"start":3540.255,"end":3549.92}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon.\n\nChannel 1: Alan\n\nChannel 0: This is\n\nChannel 1: speaking.\n\nChannel 0: Alan speaking. Good afternoon, Alan. It's Veronica from Financial. How are you?\n\nChannel 1: Alright. I'm going well.\n\nChannel 0: That's good. I had you booked in to go over your annual review. Is now still a good time for you?\n\nChannel 1: Yeah. That's good.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. That's fine.\n\nChannel 0: Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Yeah. My full name is Alan. My oops. Okay. Sorry.\n\nI just got a weird notification. Sorry. Yes.\n\nChannel 0: No.\n\nChannel 1: Alan\n\nChannel 0: That's okay.\n\nChannel 1: Ethan Oi.\n\nChannel 0: Yeah.\n\nChannel 1: And in fact, it's funny because my my phone just flagged you as a scam. Well, I'm pretty sure you're\n\nChannel 0: Yep.\n\nChannel 1: not.\n\nChannel 0: No. No. I'm not.\n\nChannel 1: Anyway yeah. So yeah.\n\nChannel 0: Yep.\n\nChannel 1: Address is 1 Longbourn Avenue, Notting Hill, and my date of birth is the 11/01/1988.\n\nChannel 0: Great. Perfect. That's exactly what I have here. And how's your morning been? Been busy?\n\nChannel 1: Yeah. Busy. I got leave coming up on Friday, and so rushing to get everything kinda done and turned it off, obviously.\n\nChannel 0: Yeah.\n\nChannel 1: So, yeah,\n\nChannel 0: You you\n\nChannel 1: a\n\nChannel 0: guys\n\nChannel 1: little bit\n\nChannel 0: going\n\nChannel 1: hectic.\n\nChannel 0: somewhere or just having some time off?\n\nChannel 1: Now overseas. Yeah. I'm heading\n\nChannel 0: Yeah.\n\nChannel 1: to Taiwan, so that should be pretty good.\n\nChannel 0: Oh, beautiful. How long are you going for?\n\nChannel 1: I mean, couple weeks, that sort of\n\nChannel 0: Oh,\n\nChannel 1: thing.\n\nChannel 0: nice.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: That's yeah.\n\nChannel 0: Beautiful. Well, I will try not to keep you for too long today.\n\nChannel 1: Yeah. That's alright.\n\nChannel 0: But before I kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review or any areas you would like me to focus a little bit more on or just a bit of a catch up?\n\nChannel 1: Yeah. No. So the catch up is good overall.\n\nChannel 0: Yep.\n\nChannel 1: I'm I'm\n\nChannel 0: Yep.\n\nChannel 1: interested to know how my like, I do have access to my super. I can sort of see that. I'm interested to know how, obviously, you know, the events of recent you know,\n\nChannel 0: Yep.\n\nChannel 1: in the recent months have have affected everything.\n\nChannel 0: Yep.\n\nChannel 1: Also, what the plan is, sort of general\n\nChannel 0: Mhmm.\n\nChannel 1: plan is going forward in\n\nChannel 0: Yep.\n\nChannel 1: terms of how to handle those the\n\nChannel 0: Yep.\n\nChannel 1: current situation.\n\nChannel 0: Yep.\n\nChannel 1: But also, I'm interested to I asked for sort of end up being bad as well. I did ask for a plan to see how to, what's it, make use of my my previous contributions that I hadn't in previous tax returns. And\n\nChannel 0: Oh,\n\nChannel 1: I\n\nChannel 0: yes.\n\nChannel 1: can't quite remember what I was up to with that, but also with my my wife as well. I'm\n\nChannel 0: Yeah.\n\nChannel 1: looking to contribute into our super as well. So I think these are the vague areas\n\nChannel 0: The\n\nChannel 1: that\n\nChannel 0: main\n\nChannel 1: I\n\nChannel 0: thing.\n\nChannel 1: wanted to touch on.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: Great. Perfect. Now I'll make a little note of that. And then before we kind of jump in through more in-depth about your superannuation, the last twelve months contributions, and stuff like that, I do wanna quickly just run through a bit of an updated fact find with you just to make sure I have all the up to date information, and\n\nChannel 1: Mhmm.\n\nChannel 0: then we can incorporate all of\n\nChannel 1: Yep.\n\nChannel 0: that if we do need to make any changes through any of the advice and stuff like that. So bear with me as I kind of go through these questions. And now when it comes to your personal situation, I have you here as married. Still the case?\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Yep. Do you have any financial dependents?\n\nChannel 1: No.\n\nChannel 0: No. Now I don't have a next of kin on file. So in the event that I can't contact you, who would you like to nominate?\n\nChannel 1: My wife, I guess.\n\nChannel 0: Yep. Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And just their name, please?\n\nChannel 1: Yes. It's Quyen. That's q u y e n.\n\nChannel 0: Yep.\n\nChannel 1: And then do you need a middle name as well, like a full name?\n\nChannel 0: No. Just first and last is perfect.\n\nChannel 1: Okay. Yep. And last name is Ho, h o.\n\nChannel 0: Eight o perfect. Best contact number?\n\nChannel 1: Yep. 0400,\n\nChannel 0: Zero zero. Yep.\n\nChannel 1: 99,\n\nChannel 0: Double nine. Yep.\n\nChannel 1: 3041.\n\nChannel 0: 41. Great. Perfect. Thank you\n\nChannel 1: Yep.\n\nChannel 0: so much for that. Employment wise, has anything changed in the last twelve months or still you know, working as an engineer full time?\n\nChannel 1: Yep. Still\n\nChannel 0: Yep.\n\nChannel 1: the same.\n\nChannel 0: Perfect. Company and everything like that as well.\n\nChannel 1: Yep. Same company.\n\nChannel 0: Yep. Perfect. Now I do have you here as income of around 220,000. Is that the case?\n\nChannel 1: That's my base salary, I guess.\n\nChannel 0: Okay. And then do you get a new year on top of that?\n\nChannel 1: Yes. So one second.\n\nChannel 0: Yeah. Sure.\n\nChannel 1: Just waiting for things to load. Sorry.\n\nChannel 0: Yep. No. That's alright.\n\nChannel 1: Yeah. So it's it's a free, like, portion salary, I guess, because\n\nChannel 0: Mhmm.\n\nChannel 1: it's a comp is composed of a base salary plus bonus plus stock compensation.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So right now, my base salary is $2.32.\n\nChannel 0: True 32. Yep.\n\nChannel 1: Yep. The bonus target is about $46 for this year.\n\nChannel 0: Perfect. 46.\n\nChannel 1: And then stocks is one of those things that fluctuates quite\n\nChannel 0: And\n\nChannel 1: a lot.\n\nChannel 0: mhmm. Yeah. Yep.\n\nChannel 1: Obviously, it's like taken a real hit this year, unfortunately.\n\nChannel 0: Yes. Been a bit of bit\n\nChannel 1: So,\n\nChannel 0: of fluctuations the last twelve months.\n\nChannel 1: yeah, it's been a bit crap. Like, I think at at one point, it was, you know, the the estimated for for the year was, like, around, like, over 300 for just my stock component, and right now, it's about 75,000. So,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, it's fluctuated quite a bit. So I think probably this year, my total earnings will probably be around the $3.53 80 mark, somewhere\n\nChannel 0: Yep.\n\nChannel 1: in there.\n\nChannel 0: Alright. Perfect. Now with the different splits so, obviously, when it comes to contributions, that that is very important. So do you know if you get contributions paid on your bonus?\n\nChannel 1: Yes. My bonus would be just income. I'm pretty\n\nChannel 0: Yes.\n\nChannel 1: sure. And so\n\nChannel 0: Yes.\n\nChannel 1: that would go through all and I'm pretty sure that comes lines in my bank account post tax and post\n\nChannel 0: Yes.\n\nChannel 1: super stuff.\n\nChannel 0: Yes. And most of the time, that is the case. Like, it can vary a little bit, but most of the time, people get contributions on top of their bonus. Over time, no. So if you think you do get contributions on the bonus, that is typically what most employers will do.\n\nSo if I just look at your bonus and your base, that's about 278. Now do you know they just pay you the standard 12% contribution?\n\nChannel 1: Yep. Yes. It's\n\nChannel 0: Yep.\n\nChannel 1: just whatever the there yeah. It's\n\nChannel 0: Half.\n\nChannel 1: an Australian\n\nChannel 0: The minimum.\n\nChannel 1: company. And so, yeah, it's just a minimum.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: Now that takes you over the concessional contribution cap.\n\nChannel 1: Mhmm.\n\nChannel 0: So, basically, do you know if your employer goes over the cap or not? So from the employer's point of view, legally, you only have to pay up to 30,000. If your income is higher, you don't have to pay more. Some employers still pay on the full amount, so irrespective of how much you got over the cap. It will mean a little bit different from a tax point of view, but they still pay it.\n\nSome employers stop at 30,000. Do you know what your employer does?\n\nChannel 1: I do not know. Sorry.\n\nChannel 0: No. No.\n\nChannel 1: No.\n\nChannel 0: That's\n\nChannel 1: Not\n\nChannel 0: okay.\n\nChannel 1: off the top of my head. Yeah.\n\nChannel 0: I\n\nChannel 1: I can\n\nChannel 0: might\n\nChannel 1: find\n\nChannel 0: take\n\nChannel 1: out,\n\nChannel 0: your\n\nChannel 1: though.\n\nChannel 0: yeah. If you could, just especially if we're looking at doing some advice and stuff for you, it is important because that changes\n\nChannel 1: Mhmm.\n\nChannel 0: the numbers and stuff. So if you could find out for me, that would be great.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: So, yeah,\n\nChannel 1: Is\n\nChannel 0: basically,\n\nChannel 1: there some way that sorry. Because I know I'm I I have a terrible memory. Is there some way\n\nChannel 0: Do you want\n\nChannel 1: that\n\nChannel 0: me to send you an email about it and you\n\nChannel 1: yes,\n\nChannel 0: can just\n\nChannel 1: please.\n\nChannel 0: yeah. So\n\nChannel 1: That would be great.\n\nChannel 0: that is okay. I can definitely do that. Perfect. Sorry. Aside from over the employer contributions, I know that you spoke to my colleague, Dana, last year and went through some advice and at the time looking at establishing a salary sacrifice arrangement.\n\nChannel 1: Yep.\n\nChannel 0: Did you end up doing some of that? Because that obviously would take you even further above the the cap space.\n\nChannel 1: So I believe I did I I think, actually, from what I recall, I did,\n\nChannel 0: Mhmm.\n\nChannel 1: but\n\nChannel 0: Yep.\n\nChannel 1: I think my company asked me how much total I want\n\nChannel 0: Yep.\n\nChannel 1: to contribute.\n\nChannel 0: Yep.\n\nChannel 1: I have to double check. And I think\n\nChannel 0: Okay.\n\nChannel 1: if that's the case, then I think the aim was to set it to be an amount that was maybe needs to be updated now. Has it gone up to\n\nChannel 0: Yes.\n\nChannel 1: 30,000? Is that the cap?\n\nChannel 0: It's 30. Yes. 30\n\nChannel 1: Yeah. Okay.\n\nChannel 0: thousand.\n\nChannel 1: So I think at the\n\nChannel 0: Yeah.\n\nChannel 1: time, I was anticipating it would be something like $27,500 or something like that, somewhere around that mark. So I might need to update\n\nChannel 0: Yes.\n\nChannel 1: it, and I can check\n\nChannel 0: Yes.\n\nChannel 1: all this. I I just haven't, you know, I haven't done\n\nChannel 0: Yes.\n\nChannel 1: that.\n\nChannel 0: Yeah. Because the way with, obviously, like, salary sacrifice or if you're wanting to do extra contributions, there are obviously different ways you can do it. Now you mentioned as well that you wanted to potentially utilize some unused cap space in previous years. Is that basic because you would like to boost your superannuation, or what kind of, I guess, reasoning for that?\n\nChannel 1: So what I recall, and I have to dig up the email, but maybe you have the analysis from Dana there,\n\nChannel 0: Mhmm.\n\nChannel 1: was that there was some potential to go back and and because I I I haven't been contributing to my super\n\nChannel 0: Mhmm.\n\nChannel 1: the whole time I've been employed. And\n\nChannel 0: Yep.\n\nChannel 1: I think there\n\nChannel 0: Yep.\n\nChannel 1: was the way it was explained to me was that there was some opportunity for us to to sort of leverage some of the missed opportunity back\n\nChannel 0: Yes.\n\nChannel 1: in previous financial years in order to contribute maybe more\n\nChannel 0: Yes.\n\nChannel 1: to, like yeah.\n\nChannel 0: That is correct. Yes. Sorry. You definitely can do that.\n\nChannel 1: Mhmm.\n\nChannel 0: Why you would do it is more so like, you definitely can do it. And if I guess depends on where your other goals are. So often people will be like, okay. Well, I want to use unused cap space. And sometimes it's if you've sold an investment property, you wanna bring down, you know, CGT by making contributions into super and stuff like that.\n\nThat's sometimes why we do those strategies. Other times, it's just because you have excess cash flow and you would like to put it into super so that you obviously compound and have more by the time you retire. So I guess the the reason for why you want to do it, you definitely can if you have unused cap space. Is\n\nChannel 1: Right.\n\nChannel 0: there any particular reasoning why you would like to do it, or is it just that you guys have, you know, enough cash put aside that you would like to utilize some of it in a tax effective manner by still boosting your super essentially?\n\nChannel 1: Yeah. I think the latter. I\n\nChannel 0: Yep.\n\nChannel 1: think,\n\nChannel 0: Your\n\nChannel 1: for\n\nChannel 0: letter.\n\nChannel 1: me,\n\nChannel 0: Yep.\n\nChannel 1: like, I'm in a financial position where, I\n\nChannel 0: Yep.\n\nChannel 1: don't really need like, I don't\n\nChannel 0: Yep.\n\nChannel 1: have a well, I do have a mortgage, but it's it's all paid\n\nChannel 0: Yep.\n\nChannel 1: off, basically.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: Yep.\n\nChannel 1: I'm\n\nChannel 0: Yep.\n\nChannel 1: just really kinda focused on, I guess, the future.\n\nChannel 0: Yep.\n\nChannel 1: So I want to be, yeah, doing things in kind of as effective as a matter as possible.\n\nChannel 0: Yep. Yep. Perfect. So what I might get you to do as well, just so I can then run the numbers and stuff like that for you, is to find your unused cap space, you can do you have access to myGov?\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: I thought I think I might have already kinda done this. I\n\nChannel 0: Alright.\n\nChannel 1: vaguely recall jumping\n\nChannel 0: Perfect.\n\nChannel 1: into myGov for this for Dana at the time.\n\nChannel 0: Mhmm.\n\nChannel 1: I can\n\nChannel 0: Mhmm.\n\nChannel 1: pick up the email and shoot I'm sure I probably have it somewhere. But, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I think I've I've sort of pulled these. I have very wet memories of pulling these documents at some\n\nChannel 0: Okay.\n\nChannel 1: point.\n\nChannel 0: So because, obviously, it could obviously change with if you did go over the cap last financial year. Because when you spoke to Dana,\n\nChannel 1: Mhmm.\n\nChannel 0: it was in July. So it would be in this financial year depending on when when you guys did everything. But what I might get in the email when it comes to the contributions, I will just put again, just in case you can't find the email for the information, steps on how to just find it on myGov. It's very easy on the app. And if you take a screenshot of your unused cap space and forward that to me, then I can use that as and to see\n\nChannel 1: Yep.\n\nChannel 0: as well how much we can utilize. Now if do you would you like to utilize all of the cap space, or do you have a certain amount that you would be like, oh, okay. Well, if there's, you know, 10,000 unused, then I'm happy to use that. Like, do you have a figure amount of how much you would want to put in, or would you just wanna maximize it?\n\nChannel 1: I guess I don't really know fully\n\nChannel 0: Okay.\n\nChannel 1: the, like, consequences\n\nChannel 0: How\n\nChannel 1: of\n\nChannel 0: much? Mhmm.\n\nChannel 1: maximizing it or not maximizing it.\n\nChannel 0: Yep. Yep.\n\nChannel 1: My initial\n\nChannel 0: So\n\nChannel 1: thought\n\nChannel 0: base\n\nChannel 1: is that I\n\nChannel 0: yeah.\n\nChannel 1: don't really have a reason not to maximize it,\n\nChannel 0: Yep.\n\nChannel 1: so I probably would.\n\nChannel 0: Yep.\n\nChannel 1: But\n\nChannel 0: Yeah.\n\nChannel 1: but\n\nChannel 0: Well\n\nChannel 1: yeah.\n\nChannel 0: well, basically, it's like the the downside with doing it is that you don't have access to that money anymore. So by putting a big lump\n\nChannel 1: Yep.\n\nChannel 0: sum into superannuation, it's locked in onto your immediate condition of relief. So\n\nChannel 1: Right.\n\nChannel 0: for example,\n\nChannel 1: Yep.\n\nChannel 0: turning 60 and retiring. That is the biggest downside is you don't have access to those money anymore. And if you need it for any particular reason,\n\nChannel 1: Yep.\n\nChannel 0: you might not get access to it. So that is the\n\nChannel 1: Alright.\n\nChannel 0: biggest\n\nChannel 1: Yeah.\n\nChannel 0: kind\n\nChannel 1: Okay.\n\nChannel 0: of flag for people. Aside from that is the more you put in because it is in a in a tax effective environment. So contributions\n\nChannel 1: Mhmm.\n\nChannel 0: going into the if you are under cap space or using unused cap space from previous years, it's only\n\nChannel 1: Yep.\n\nChannel 0: taxed at 15%. Now, obviously, with your income being quite high, you will be taxed a lot. So you can then utilize that difference in the tax brackets to get a little\n\nChannel 1: Yeah.\n\nChannel 0: bit back by putting more interest super. So it is a very tax effective way. But, obviously,\n\nChannel 1: Yeah.\n\nChannel 0: aside\n\nChannel 1: Mhmm.\n\nChannel 0: from that, the benefit is you will have more interest superannuation as well,\n\nChannel 1: Yeah.\n\nChannel 0: which will obviously compound and invest. So if you obviously have to pay yes. Sorry, Alan. You go.\n\nChannel 1: No. I was gonna say all of that sounds aligned with what I I I want. So I\n\nChannel 0: Yeah.\n\nChannel 1: I think\n\nChannel 0: Okay.\n\nChannel 1: it'd totally be that I would maximize it. I I don't really yeah.\n\nChannel 0: Yep.\n\nChannel 1: I'm not in a position where I need access to that money\n\nChannel 0: Yep.\n\nChannel 1: anytime soon, and I'm\n\nChannel 0: Great.\n\nChannel 1: hoping I don't go anywhere between now and\n\nChannel 0: Yeah. Yeah. Perfect. Alright. So what I'll do is, obviously, after the call today, when we've kind of I'll put together a new recommendation\n\nChannel 1: Yeah.\n\nChannel 0: for you.\n\nChannel 1: Mhmm.\n\nChannel 0: I will send you an email with the documents that I need just to finalize all of that. Obviously, take your time and send that back. And\n\nChannel 1: Mhmm.\n\nChannel 0: part of it is actually putting in the new statement of advice. And it'll go through in detail, you know, all the advantages and everything. We've kind of touched on the most ones of what it will look like, how much tax saving, and how we will do to your suit.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: And that would give us a clearer picture. Now you also mentioned your wife.\n\nChannel 1: Mhmm.\n\nChannel 0: So has she what's her situate situation like at the moment?\n\nChannel 1: So she's not employed at the moment.\n\nChannel 0: Mhmm.\n\nChannel 1: So, yeah, she's just yeah. She has no,\n\nChannel 0: Yep.\n\nChannel 1: like, serious amounts of, like, income. A bit here and there, she has used some hobbies, like, things on the side,\n\nChannel 0: Mhmm.\n\nChannel 1: like, other pursuits\n\nChannel 0: Mhmm.\n\nChannel 1: on the side, but nothing that's, like, you know, nothing that even comes close to, like, a sort of full time salary. Yeah.\n\nChannel 0: Yep. Yeah. Do you know because there are different ways you can put contributions into superannuation. Now, typically, what I would like to do as well is if we are looking to do anything in regards to her superannuation, I would like to do a bit more of kind of in-depth research in her situation as well. Because if I say to you, okay.\n\nWill you put x amount into her superannuation? If I don't have a full, you know, picture and research on her account, then that might impact her.\n\nChannel 1: Yep.\n\nChannel 0: So typically speaking, we would look to see if she would be interested in coming on board as a client depending on\n\nChannel 1: Mhmm.\n\nChannel 0: how much she would like to to do. Would that be something she would be always been through exploring, like, doing some research and stuff, or what's her kind of situation like? Or is it literally\n\nChannel 1: I think\n\nChannel 0: just\n\nChannel 1: she's\n\nChannel 0: superannuation?\n\nChannel 1: I think it's the super. That's the\n\nChannel 0: Yeah.\n\nChannel 1: main thing. I'm not sure if she's I don't think she's opposed to the idea of coming\n\nChannel 0: Mhmm.\n\nChannel 1: on board,\n\nChannel 0: Yep.\n\nChannel 1: but I'm not well, maybe it's a conversation that you can have with\n\nChannel 0: Yes.\n\nChannel 1: her instead.\n\nChannel 0: Definitely. Yep.\n\nChannel 1: Yeah. Because I'm not sure if go ahead. Maybe I'm putting words in in your mouth, but I'm not sure if it's if it's, like, exactly what she she kinda do given that she is\n\nChannel 0: Yep.\n\nChannel 1: unemployed.\n\nChannel 0: Yep.\n\nChannel 1: You know?\n\nChannel 0: Yes.\n\nChannel 1: So yeah.\n\nChannel 0: And does she have any, like, intention going back full time? Or\n\nChannel 1: No. Not really. So\n\nChannel 0: no.\n\nChannel 1: yeah.\n\nChannel 0: No. That's okay. Do you know roughly how much she would have in super by any chance? Like, a rough estimate?\n\nChannel 1: I don't know. Like, I'm $1.80 sort of max, somewhere around there. I think that's\n\nChannel 0: Okay.\n\nChannel 1: a rough estimate. It's somewhere between\n\nChannel 0: Okay.\n\nChannel 1: $1.50 to 200\n\nChannel 0: One fifty.\n\nChannel 1: max.\n\nChannel 0: Yep. Okay. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: That's good. Now my what I might do is just to get a bit more in-depth research on her situation. Now if it is that we just look at exploring everything in regards to\n\nChannel 1: Mhmm.\n\nChannel 0: her superannuation, we can definitely just do that. And, again, it's it's a free review where we can review her situation where things\n\nChannel 1: Yep.\n\nChannel 0: are at. Now if it then is that we can't help her anymore, at least I have the research so then I can look at, okay. Well, if we do contributions for you, how will that impact her?\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Makes sense.\n\nChannel 0: it it is a little bit of a process, but then that that way, we can get the best outcome for both of you. Because\n\nChannel 1: Mhmm.\n\nChannel 0: when it comes through the spousal contributions, there is two different ways you can do it. Now I'm not sure if you kinda went through that with Dana, but you have spousal contribution, which is where you, the partner, would contribute directly into your spouse's account. Now that is kind of after tax money. But,\n\nChannel 1: Yep.\n\nChannel 0: basically, how that works is that you can get a or she could get a tax offset of up to $540 if she earns the lowest threshold. So I know you said she'll get some income here and there, so that's very really good for me to kind of get more understanding because if she's above the threshold, then I wouldn't even explore that option.\n\nChannel 1: Yep.\n\nChannel 0: Otherwise, contribution splitting is where you utilize some of your contribution and give that to her. So you don't put more in, but you utilize some of your contribution. So whether that be salary sacrifice or your employer contribution, and then put that into her. So there's\n\nChannel 1: Yep.\n\nChannel 0: a\n\nChannel 1: I\n\nChannel 0: bit\n\nChannel 1: see.\n\nChannel 0: of different ways I can do it, but to\n\nChannel 1: Yep.\n\nChannel 0: make sure that we do it in the most tax effective way, especially if you do have a little bit of leeway with you\n\nChannel 1: Is\n\nChannel 0: can make extra contributions if that will give her more at the end of it.\n\nChannel 1: this?\n\nChannel 0: I think kind of exploring, doing research for her anyway and seeing what her goals are as well would be\n\nChannel 1: Mhmm.\n\nChannel 0: very beneficial for both of you.\n\nChannel 1: Yep. Makes sense.\n\nChannel 0: Now when would she and you're more than welcome to be on the call if you would like or, obviously, if you please say it, that's fine.\n\nChannel 1: Yep.\n\nChannel 0: When would she be open through a a phone call to kind of go through that? Or would you like\n\nChannel 1: It\n\nChannel 0: to\n\nChannel 1: will well, it'll probably have to be\n\nChannel 0: mhmm.\n\nChannel 1: sometime next month as we are getting\n\nChannel 0: Yep.\n\nChannel 1: on leave pretty soon.\n\nChannel 0: Yes. That's okay. What you can even do, if you would like, is I'll send you an email with the documents that I need, and we\n\nChannel 1: So\n\nChannel 0: can\n\nChannel 1: yeah.\n\nChannel 0: definitely especially with you going away on holiday, I understand that this might not be a priority right now. You\n\nChannel 1: Mhmm.\n\nChannel 0: you respond to me with the documents when you have a moment. And then also in that email, if you wanna respond when she would be available, once you kind of\n\nChannel 1: Yep.\n\nChannel 0: sorted out time frames, then I can kind of tee that up with the team, and then we can do kind of everything together. And I can potentially even do, like, a joint strategy for both of you where we go through everything together.\n\nChannel 1: Yes. Yeah. Yeah.\n\nChannel 0: Would\n\nChannel 1: Sounds\n\nChannel 0: that\n\nChannel 1: good.\n\nChannel 0: does that sound that yep.\n\nChannel 1: Yeah. It does it does sound yeah. It sounds good.\n\nChannel 0: Yep.\n\nChannel 1: It will probably be, like, it'll probably be a Tuesday, and I'll\n\nChannel 0: Yep.\n\nChannel 1: I would probably say, like, at a tentative date just to\n\nChannel 0: Yep.\n\nChannel 1: give you an idea, but we'll\n\nChannel 0: Yep.\n\nChannel 1: confirm the emails later. Like, maybe the\n\nChannel 0: Mhmm.\n\nChannel 1: May 12 or\n\nChannel 0: Twelve\n\nChannel 1: something\n\nChannel 0: seventy. Okay.\n\nChannel 1: like\n\nChannel 0: Perfect.\n\nChannel 1: that.\n\nChannel 0: I will\n\nChannel 1: Yeah.\n\nChannel 0: kind of pencil that in a little bit with the team,\n\nChannel 1: Yep.\n\nChannel 0: and then, yeah, confirm with her as well when what time is that day works, and we\n\nChannel 1: Yep.\n\nChannel 0: can kind of, you know, touch base and\n\nChannel 1: Yeah.\n\nChannel 0: see all of that.\n\nChannel 1: Yep.\n\nChannel 0: Now if it is that I look at contribution splitting, that obviously will impact your superannuation as well. On a joint kind of goals for you, the reason why you want to do it is to kind of help her as well, and you understand that that might mean that as a result, you will have a little bit less in your superannuation?\n\nChannel 1: Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Makes sense.\n\nChannel 0: Yep. Yep. Perfect. Do you have any max amounts that you would want to give to her or anything like that, or is it just whatever is going through help both of you?\n\nChannel 1: I haven't decided. Like, we\n\nChannel 0: Nope.\n\nChannel 1: haven't really decided that.\n\nChannel 0: Nope.\n\nChannel 1: Yeah.\n\nChannel 0: That's\n\nChannel 1: So\n\nChannel 0: okay.\n\nChannel 1: there's none of that sort of it even, like, the start of a decision there hasn't\n\nChannel 0: Yeah.\n\nChannel 1: really been made.\n\nChannel 0: No worries. That's it. And it is a lot, and it can be quite quite convoluted as well the more you go down it. Even have a think about it, and, again, I can pop it in the email.\n\nChannel 1: Yes,\n\nChannel 0: Obviously,\n\nChannel 1: please.\n\nChannel 0: have a think about it, and I will still run the numbers anyway to make sure it makes sense.\n\nChannel 1: Yep.\n\nChannel 0: But as a bit of a guide because you can do up to 85%. But that might not mean that we want to do everything because, again, that will obviously impact you whether if there is an amount that you go, okay. Well, I would be open to doing 10 or 15 or whatever it is if that math works out. Then at least that gives me a bit of an indication of how to\n\nChannel 1: Yeah.\n\nChannel 0: do it\n\nChannel 1: Yeah. Makes\n\nChannel 0: if\n\nChannel 1: sense.\n\nChannel 0: that makes sense. Alright. Perfect. Now while we are kind of talking about this, let me see if there was anything else. No.\n\nOkay. Yep. That was everything with the contribution wise. Assets and liabilities. So I have here your property was lost side at about 1,000,000.\n\nChannel 1: Yes. So it would probably be still around that amount. Yep.\n\nChannel 0: About that. Perfect. Now I do have here that you had 448 on the mortgage, but in the offset, there was 443.\n\nChannel 1: Yep. That sounds about right.\n\nChannel 0: That sounds about right?\n\nChannel 1: I could confirm these later on as well\n\nChannel 0: Yeah.\n\nChannel 1: in in the email.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That would be good. Perfect. Now, otherwise, I have here investment portfolio around 54,000.\n\nChannel 1: I think that has changed quite a bit.\n\nChannel 0: Yeah?\n\nChannel 1: I think last time I checked, it was around the $1.90 mark.\n\nChannel 0: Oh, wow. Perfect. $1.90.\n\nChannel 1: Yeah. I I can check, but I'm pretty sure it was around that.\n\nChannel 0: I want it. Perfect. I can always send you this in the email as well, and you can just confirm the figure.\n\nChannel 1: Yep.\n\nChannel 0: That's no problem. Do you also have the motor vehicle by that about fifteen?\n\nChannel 1: Yes. Still have\n\nChannel 0: Yep.\n\nChannel 1: that one.\n\nChannel 0: Perfect. Any other assets in the last twelve months? Nope. Perfect. Any other liabilities, like personal loans, credit cards, tip pay?\n\nNope. Perfect. Now health and lifestyle wise, I have you down here as a nonsmooth gap with not really taking any, you know, medication or anything like that. Is that correct?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: And\n\nChannel 1: That's\n\nChannel 0: now do you have private health\n\nChannel 1: correct.\n\nChannel 0: insurance?\n\nChannel 1: Well, yes. I do.\n\nChannel 0: Perfect. And that is hospital as well as extras? Or\n\nChannel 1: Yes.\n\nChannel 0: yep. Perfect. That's good. Especially with your income as well. You don't wanna pay the additional medical levy by\n\nChannel 1: Yeah.\n\nChannel 0: not having hospitals, so that's great. When it comes to estate planning, do you have a will in place?\n\nChannel 1: No. I don't\n\nChannel 0: No?\n\nChannel 1: think I\n\nChannel 0: That's\n\nChannel 1: have\n\nChannel 0: okay.\n\nChannel 1: a will in place. Yeah.\n\nChannel 0: Do you have anyone who makes any financial decisions for you\n\nChannel 1: No.\n\nChannel 0: or power of attorney? Alright. Perfect. And are you politically exposed at all, involved in politics directly?\n\nChannel 1: No.\n\nChannel 0: Alright. Perfect. And are you a tax resident in any foreign jurisdiction?\n\nChannel 1: No. I'm not.\n\nChannel 0: No. Great. Perfect. Now when it kind of comes to goals and other things that you want to work on aside on what, obviously, the contributions and stuff like that, like, we've spoken about,\n\nChannel 1: Mhmm.\n\nChannel 0: Do you have any other financial or nonfinancial goals that you are working towards?\n\nChannel 1: Not really.\n\nChannel 0: Not really.\n\nChannel 1: I mean,\n\nChannel 0: No.\n\nChannel 1: like, not a specific goal. I mean,\n\nChannel 0: No.\n\nChannel 1: retirement, obviously, but\n\nChannel 0: Yeah. Not directly. Because I have\n\nChannel 1: not\n\nChannel 0: here\n\nChannel 1: directly. No.\n\nChannel 0: no. Because I have here that last time as a kind of medium term goal for three to five years was potentially looking at an investment property. Is that still\n\nChannel 1: Yeah.\n\nChannel 0: kind of on the card or not really anymore?\n\nChannel 1: I've kind of, like, soured on the idea a little bit,\n\nChannel 0: Mhmm.\n\nChannel 1: choosing rather choosing more to, like, just do\n\nChannel 0: Yes.\n\nChannel 1: investments\n\nChannel 0: Yep.\n\nChannel 1: in, like, as as like, not in property, basically.\n\nChannel 0: Yes. Yes. Just equity\n\nChannel 1: I'm\n\nChannel 0: and other\n\nChannel 1: not\n\nChannel 0: things.\n\nChannel 1: so fond of the idea of property investment anymore. I don't know. I\n\nChannel 0: Yep.\n\nChannel 1: might change my mind in another six months. You know? But\n\nChannel 0: Yeah.\n\nChannel 1: but right now,\n\nChannel 0: For\n\nChannel 1: I'm\n\nChannel 0: now,\n\nChannel 1: not\n\nChannel 0: no.\n\nChannel 1: I'm not\n\nChannel 0: No.\n\nChannel 1: yeah. Not really. Yeah.\n\nChannel 0: No. That's good. Otherwise, I had here that when you spoke to Dana, you were basically had a holiday planned in 2024. Obviously, holiday coming up soon. You were\n\nChannel 1: Yep.\n\nChannel 0: doing some bathroom renovations and, otherwise, just kind of focusing on putting more money into the savings for the share portfolio.\n\nChannel 1: Yeah. So I think, like, there might still be things to do with renovations\n\nChannel 0: Yep.\n\nChannel 1: around the house and whatnot. And even if they're, you know, pretty expensive,\n\nChannel 0: Yep.\n\nChannel 1: which they won't be particularly cheap, obviously,\n\nChannel 0: Yep.\n\nChannel 1: I don't I I think I'm at at a position where I could kinda not like, I don't need to work up to it, I suppose, is\n\nChannel 0: Yep.\n\nChannel 1: is my point.\n\nChannel 0: Yep.\n\nChannel 1: I think it might, you know, delay a a future investment. The thing is that I don't really have a particular financial goal apart from just, extend the welfare a little bit more and get, like, put position myself well for the time and\n\nChannel 0: Yep. Yep. Yep.\n\nChannel 1: things\n\nChannel 0: No.\n\nChannel 1: like\n\nChannel 0: That's perfect.\n\nChannel 1: yeah.\n\nChannel 0: No. That's still that's still really gold. And and, again, kind of with your financial situation, you are in a very good position already and, obviously, compounding and still plenty of time until retirement, you know, to tryna get close as close to that as possible. So I guess\n\nChannel 1: Yep.\n\nChannel 0: talking about retirement or, like, more so your superannuation goal is that I have that ideally, you wanna retire at the age of 60?\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. And an ideal income per week of a thousand dollars per week. Do you feel like a thousand dollars would be sufficient, or do you think that you would like to draw a higher income per week Ideally.\n\nChannel 1: I mean, if it's like a thousand dollars by two days purchasing power\n\nChannel 0: Mhmm.\n\nChannel 1: at that\n\nChannel 0: Yes.\n\nChannel 1: point in time, then then I think that's probably fine.\n\nChannel 0: Okay.\n\nChannel 1: Like, we don't live a particularly lavish lifestyle.\n\nChannel 0: Yep.\n\nChannel 1: So I think it should be\n\nChannel 0: Should\n\nChannel 1: should\n\nChannel 0: we\n\nChannel 1: be\n\nChannel 0: do them?\n\nChannel 1: I yeah. It should be doable.\n\nChannel 0: Yep. Okay.\n\nChannel 1: That's where I wanna so, like, at least I guess, as a minimum, that's what I'm aiming for. And then\n\nChannel 0: Yes.\n\nChannel 1: above that, it's it's kind of bonus.\n\nChannel 0: Right.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep. And that's honestly what most people say. Again, it's kind of like you're touching. It does depends on how\n\nChannel 1: Yep.\n\nChannel 0: extravagant you want your retirement and your goals, but most people aim of around a thousand. Some go up to 2,000, again, depending on their lifestyle. So you you sit pretty much in, you know, that that average at least in terms of what you want\n\nChannel 1: Yep.\n\nChannel 0: and want that to look like. Alright. Perfect. So the other thing I do quickly wanna run through with you is just an updated risk profile questionnaire. Now that\n\nChannel 1: Yep.\n\nChannel 0: kind of goes hand in hand as well with reviewing, obviously, contributions and stuff like that if we need to make any changes to your risk profile. Now some of the questions can be a bit tricky. It's all multiple choice to make it nice and easy. If it doesn't make sense, just let me know.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Perfect. Now the the first question here is in regards to inflation. So, basically, how much risk are you willing to take in order to make sure thinking about superannuation in this instance, in order to make sure that you stay on top of, obviously, the rising of prices, would you say that you are willing to accept very high risk, thinking long term, high, medium, or a small amount of risk?\n\nChannel 1: I'm pretty accepting of that. Like, I think maybe to my question, my answer would have changed from the last activity, but I think I am accepting of pretty high amounts of risk in order to maximize, you know,\n\nChannel 0: The\n\nChannel 1: the\n\nChannel 0: growth?\n\nChannel 1: super growth. Yeah.\n\nChannel 0: Yep. Perfect. So would you say very high or just kind of high? Like, a bit more than moderate but high?\n\nChannel 1: Probably very high, I suppose.\n\nChannel 0: Very high. Yeah. Perfect. You do have plenty of time until retirement. You're trying to utilize\n\nChannel 1: Yeah.\n\nChannel 0: the time frame. Sorry. Let me see here. Perfect. Now the next question is in regards to volatility.\n\nSo kind of like you touched on a little bit as well. Obviously, things are and can fluctuate a bit with investment.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if you placed an an investment and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So it's not like one particular investment that's gone bad or anything like that, just the market as a whole, which, obviously, we have seen a little bit recently, bit of those fluctuations. Would you invest more money to try to take advantage of while the prices are down? Would you hold, wait to see what happens? Or would you want to sell out and shift to a more secure asset?\n\nSo that means you are obviously selling when the prices have dropped.\n\nChannel 1: I'd probably try to invest more.\n\nChannel 0: Invest more? Perfect. And if you had the option to do so, would you invest heavily or just a little bit?\n\nChannel 1: Probably quite heavily.\n\nChannel 0: Quite heavily? Perfect. Now next one here is kind of in regards to fluctuations again. So if you obviously saw any of your personal investments or superannuation or anything like that drop in value, Would you say that that would make you feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, concerned, or highly anxious?\n\nChannel 1: Can you repeat the the question again?\n\nChannel 0: The quest yeah. Of course. So if you kind of notice any of your investments, so whether that is your personal investments or the company shares or your superannuation drop, would you say that if you notice it, you would feel, you know, optimistic about potential opportunities, what that might mean, or a bit more kind of neutral, or would you say that it would make you feel quite concerned and anxious?\n\nChannel 1: Probably I mean, out of those choices, probably more than just the neutral side of things.\n\nChannel 0: Yep.\n\nChannel 1: I don't know if I would respond entirely to to it, but I certainly\n\nChannel 0: Like,\n\nChannel 1: wouldn't\n\nChannel 0: yes.\n\nChannel 1: be yeah. Exactly. So\n\nChannel 0: No. That makes\n\nChannel 1: and,\n\nChannel 0: sense.\n\nChannel 1: I mean, I have exactly, like, experienced this in the last year with the\n\nChannel 0: Yeah.\n\nChannel 1: the SaaS apocalypse as well.\n\nChannel 0: Yep.\n\nChannel 1: So I'm\n\nChannel 0: Yeah.\n\nChannel 1: I'm not like like, I'm not writing blending out there to go reinvest more money in SaaS,\n\nChannel 0: Yep.\n\nChannel 1: but but\n\nChannel 0: Yep.\n\nChannel 1: I am kinda like what it is, what it is, and and\n\nChannel 0: Yeah.\n\nChannel 1: whatever.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: So maybe more towards the neutral way\n\nChannel 1: Yeah.\n\nChannel 0: if you had to kind of And the last one here is, would you ever consider taking out a loan or borrow money to invest in stocks or funds?\n\nChannel 1: That one, I probably wouldn't.\n\nChannel 0: No. Would you\n\nChannel 1: No.\n\nChannel 0: ever borrow for an investment property? I know you said you're not really too keen on investment property right now, but if you wanted to go down the investment property, would you feel okay to borrow money, or would you just use, like, savings and stuff?\n\nChannel 1: Yeah. That's an interesting question because it reveals a bit of a hypocrisy in my initial line of thinking. Like, I would never take out a personal loan for for stock for,\n\nChannel 0: Yep.\n\nChannel 1: like, investments in the stock market, but I would probably be okay with taking out a mortgage\n\nChannel 0: Yep. Yep.\n\nChannel 1: for investment property.\n\nChannel 0: Yeah. And and\n\nChannel 1: I\n\nChannel 0: most\n\nChannel 1: suppose\n\nChannel 0: people are the same, honestly.\n\nChannel 1: yeah. I suppose in part, it's because there's an offset account, and\n\nChannel 0: Yep.\n\nChannel 1: so I\n\nChannel 0: Yep.\n\nChannel 1: can just, like, begin to dump a bunch of money into the offset account.\n\nChannel 0: And\n\nChannel 1: But\n\nChannel 0: then it's tax\n\nChannel 1: yeah.\n\nChannel 0: deductible.\n\nChannel 1: That\n\nChannel 0: If it's an investment property, it's tax deductible for\n\nChannel 1: yeah.\n\nChannel 0: you as well. Sorry. The the loan, you do kind of, yes, you have the loan, but it is tax deductible, the interest as well. So it is kind of that that principal as well. Alright.\n\nPerfect. Now that tells me here, Alan, that you have come out as a high growth investor. And at the moment, we have you in a growth portfolio. Do you know the difference between those two at all?\n\nChannel 1: No. I don't, actually.\n\nChannel 0: Alright. So they're both fairly similar in that you are looking at getting as much growth as you possibly can out of superannuation while you do have the time. You are kind of prepared to experience, you know, some levels of fluctuation in order to achieve that growth. Now,\n\nChannel 1: Yep.\n\nChannel 0: typically, the difference between them is that they're kind of one step from each other on the scale. So in your growth portfolio, so how you are currently invested, we typically see 80% of the money invested in your growth assets. So that will be your Australian shares, international shares, kind of property and commodities, which is what's going to kind of maximize that growth for you, and about 20% goes in their defensive investment. So that will be your fixed interest, cash. Gold can kind of be a bit in between as well.\n\nNow\n\nChannel 1: Yep.\n\nChannel 0: your high growth is then 90%. So it's about a 10% difference. So\n\nChannel 1: Yep.\n\nChannel 0: 90 in growth, 10 in defensive. Obviously,\n\nChannel 1: Mhmm.\n\nChannel 0: if we're looking at long term in a high growth portfolio, typically, you see a little bit more fluctuations\n\nChannel 1: Yep.\n\nChannel 0: and volatility than your growth portfolio. But in the long term, you will, you know, see potentially higher returns.\n\nChannel 1: Yep.\n\nChannel 0: Now when we are looking at a time frame as well, so making sure you have enough time in the market to withstand those fluctuations, in a high growth portfolio, we want to allow at least eight years on your retirement,\n\nChannel 1: Yep.\n\nChannel 0: growth,\n\nChannel 1: Yep.\n\nChannel 0: six years. So you\n\nChannel 1: Mhmm.\n\nChannel 0: certainly have the time behind you to be in a high growth portfolio, but it's also\n\nChannel 1: Mhmm.\n\nChannel 0: what you are comfortable with. So\n\nChannel 1: Yep.\n\nChannel 0: do you feel like you are comfortable with the growth where you are at, or would you like to look at increasing it up through a high growth portfolio, or what are your kind of initial thoughts?\n\nChannel 1: Yeah. I think it makes sense for me to move on to a high growth one.\n\nChannel 0: High growth? Yep. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: Now, again, I will do all the research for you. So I will research all of it to see if there's any, you know, capital gains associated with making this switch, what the fees and returns and everything like that would look like, presented to you, and then, obviously, you can let me know kind of how how you feel about it before doing\n\nChannel 1: Yep.\n\nChannel 0: any changes.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. So kind of talking about your superannuation. Do you have access to your emails at the moment, Alan, or not really?\n\nChannel 1: I can.\n\nChannel 0: Yeah. Okay. Amazing. I have just sent you an email with some documents to go\n\nChannel 1: Yeah.\n\nChannel 0: through. Did\n\nChannel 1: Yeah.\n\nChannel 0: that one come through okay?\n\nChannel 1: I can see it.\n\nChannel 0: Yeah. Perfect. Now we have recently changed the software, so they might look a little bit different to what you were used to. But, essentially,\n\nChannel 1: Mhmm.\n\nChannel 0: before you click on the link where it says sign now, you should see a couple of attachments at the bottom of\n\nChannel 1: Oh,\n\nChannel 0: that\n\nChannel 1: yeah.\n\nChannel 0: email.\n\nChannel 1: I\n\nChannel 0: Can you\n\nChannel 1: see\n\nChannel 0: see\n\nChannel 1: them.\n\nChannel 0: them?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. Now which one is first for you? And we can do it that way to make it easier.\n\nChannel 1: There's a couple of OCU ones, and then there's\n\nChannel 0: Yep.\n\nChannel 1: the first one that's labeled with the date is super insurance summary.\n\nChannel 0: Yep. Perfect. So at the bottom two, I'll let you have a read over in your own time. It is just an\n\nChannel 1: Mhmm.\n\nChannel 0: updated financial services guide, one of those compliance documents, but it gives you all the information about the team, our advisers, our directors, everything in there for you. We've had a bit of an extension to the team, which is great, a bit of revamp in marketing. So you would have seen this before. It's just a bit of an updated version. So I'll let you have a read over that.\n\nAs\n\nChannel 1: Yep.\n\nChannel 0: you do, you will also see there's a photo of all the advisers, so you will see myself in there and also then Dana who you spoke to last year if you wanna put a a face to the employee. Otherwise, if you wanna open that, it's super insurance summary for me.\n\nChannel 1: Yep. I have that open now.\n\nChannel 0: Alright. Perfect. Now that shows you kind of your current situation. So you'll have 24 accounts. You do have about $261,711 in there.\n\nAnd then underneath that, you have your insurances. So with\n\nChannel 1: New.\n\nChannel 0: your insurances, you have them with Pell. You have a life and TPD of $593,745. Now\n\nChannel 1: Yep.\n\nChannel 0: when we just look at your life and TPD, are you happy with those amounts, or what are your thoughts in regards through the insurances?\n\nChannel 1: Yes. They seem fine to me.\n\nChannel 0: Yep. Perfect. Now the other one is in your income protection. So income protection is obviously if you, are temporarily unable to work and can cover you for a monthly benefit. Now your monthly benefit is 6,976.\n\nAnd, typically, you can have, 70% of your income covered. So because your income has increased, quite a bit from when we took out the policy, which is fantastic, it does mean that there is a little bit of a gap. Now if something were to happen to you, would you be comfortable with the level of cover you have at the moment? Like, do you think that would meet your like, what you\n\nChannel 1: Yeah.\n\nChannel 0: need? Yep.\n\nChannel 1: I I think\n\nChannel 0: Perfect.\n\nChannel 1: that that amount's\n\nChannel 0: Yep.\n\nChannel 1: fine. Yeah. I don't need\n\nChannel 0: Perfect.\n\nChannel 1: to increase\n\nChannel 0: We're\n\nChannel 1: that.\n\nChannel 0: happy to leave it as is. Yep. Perfect. Now you have a thirteen week waiting period, four year benefit period. Everything comes out of superannuation.\n\nChannel 1: Yep.\n\nChannel 0: And because you are pretty low risk, which is great, it's pretty cheap for you. So it's only about $821 per year\n\nChannel 1: Yep.\n\nChannel 0: for all those rates. Now with, obviously, insurance as well, I can see that you don't have trauma insurance. I know I think you spoke to my colleague, Dana, last year, and it because it's an out of pocket expense, it wasn't really something you're interested in. Just confirming that's\n\nChannel 1: Yep.\n\nChannel 0: still the case.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Great. Now what's the next attachment you can see there, Alan?\n\nChannel 1: I see the twelve months. I am 24.\n\nChannel 0: Yes. Perfect. If you wanna open this one for\n\nChannel 1: Yep.\n\nChannel 0: me. Now this one here shows you an overview of your portfolio. So this is kind of a little bit more in-depth in regards to your portfolio. It can look a little bit messy, but because you are pretty across investments, it probably makes more sense to you, which is great.\n\nChannel 1: Yes. Mhmm.\n\nChannel 0: Essentially, you have, obviously, all your individual investments, how they have performed, and where they're sitting at at the moment in a twelve\n\nChannel 1: Mhmm.\n\nChannel 0: month period. Now\n\nChannel 1: Yep.\n\nChannel 0: all the internal rate of return, that's all the net of all fees as well. So it shows you\n\nChannel 1: Yep.\n\nChannel 0: the net of everything. Now\n\nChannel 1: Mhmm.\n\nChannel 0: if you look on page two, for example, for me, you will see the total portfolio.\n\nChannel 1: Yep.\n\nChannel 0: So yep. Perfect. Now if you look on the second column to the right, that tells you that overall, in the last twelve months, after fees, obviously, despite the the fluctuations we've had in the last twelve months, your portfolio\n\nChannel 1: Yep.\n\nChannel 0: has still gone up by 10.16%, which is actually\n\nChannel 1: Yep.\n\nChannel 0: really good given\n\nChannel 1: Yeah.\n\nChannel 0: what's kind of going on in the market.\n\nChannel 1: Yep.\n\nChannel 0: Mhmm. Now as you scroll up, you will then see the individual investments and how they've done. So you can see here that the two in brackets are down. The others are positive. Now\n\nChannel 1: Yep.\n\nChannel 0: when we look at that as well and when we look at the one that says hack, so the beta shares global cybersecurity, That one is a bit more it's one of your satellite investments, so the goal is to try to maximize growth. It can be a little bit more volatile depending on what is going on in the market, and we've obviously\n\nChannel 1: Yep.\n\nChannel 0: seen a bit of a shift with AI and\n\nChannel 1: Yeah.\n\nChannel 0: everything like that. So we still see opportunities in this space. It's not something we're too concerned about, and it is it is more of like your cyclical investment. The other one, though, is the Benelon Australian equity. We've done a lot of sorry.\n\nDo you are you quite familiar with, like, the difference between managed funds and ETFs and direct shares and stuff like that?\n\nChannel 1: I actually thought managed funds were ETFs, so I'm confused about what you've just said there.\n\nChannel 0: But\n\nChannel 1: But\n\nChannel 0: no. That's\n\nChannel 1: I\n\nChannel 0: true. I'll just run it through sim very, very simplified and short for you. But, essentially, direct shares, pretty simple. You invest directly into\n\nChannel 1: Yep.\n\nChannel 0: a particular company. So let's say, obviously, BHP, you wanna invest directly in them, that's your direct share. Now let's say you wanna invest in the oil industry as a whole, but not into one particular investment. So this is where your ETF or exchange traded fund comes in very handy. How\n\nChannel 1: Yep.\n\nChannel 0: the ETFs work is that they basically track an index. Now you\n\nChannel 1: Mhmm.\n\nChannel 0: have different ones. So for example, your IVV, iShares S and P 500. The way that this one works, which you may have heard of, basically just tracks the 500 largest companies in The US. So as a company\n\nChannel 1: Yep.\n\nChannel 0: gets bigger, gets into that 500, it gets added to the investment, a smaller company comes out.\n\nChannel 1: Mhmm.\n\nChannel 0: So you don't need as much of that kind of active management because you are following a particular index or trend or whatever it might be for those investments. So these are\n\nChannel 1: Yep.\n\nChannel 0: manager.\n\nChannel 1: Yep.\n\nChannel 0: So your managed funds are a little bit different in that you have a fund manager who actively buys and sells different investments in order to try to outperform the market. Now\n\nChannel 1: Right.\n\nChannel 0: depending on who the fund manager is, they would have different styles of investments that they're focusing on, and depending on which one it is, there's different targets and stuff like that. They tend to have a bit smaller, I guess, companies in the portfolio, but it does depend on on which one. And it is more of the active buying and selling individual shares that they think are going to be good for different metrics. So it\n\nChannel 1: Yeah.\n\nChannel 0: works\n\nChannel 1: Okay.\n\nChannel 0: a little bit differently. Does that make sense?\n\nChannel 1: Yeah. It does. Yeah.\n\nChannel 0: Yeah. Perfect. So with the Benelon Australian Equities, that is one of your managed fund, and that's the one that is down at the moment. Now when that was added to your portfolio, when you came on board and up until quite recently, they've done really well. They were one of the best performing one, and they\n\nChannel 1: Yeah.\n\nChannel 0: did exactly that. They outperformed, and they were doing really well. That's not to say it's always going to be the case, especially at different trends and stuff do change. So we've done quite a lot of in-depth research recently in Bennelong, and we are looking at potentially swapping that one out. The reason is that if they are underperforming a little bit now and they have been a little bit slower in actually making those choices and some of their conviction haven't actually played out, there there might not be a reason to keep it in the portfolio if we can swap it for something that's going to do better for you.\n\nSo if you are happy for me to do so as part of, obviously, when I am reviewing your your high growth portfolio as well as, you know, the contributions and everything like that, I would like to look at a potential option to swap that out for you to make sure that we always have you in the best position and that we can obviously improve the returns and performance and everything like that. Are you happy\n\nChannel 1: Yeah.\n\nChannel 0: for me to kind of do a bit more in-depth in regards to that?\n\nChannel 1: Yeah. For sure. Like\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: Great. Perfect. And even though you have been along in the portfolio, like we said, we have kind of underperformed, All your\n\nChannel 1: Mhmm.\n\nChannel 0: other investments have done done well. You can even see the beta shares agriculture that's up by 42%. So that's also why your portfolio is structured with the diversification so they kind of work and negating each other where it's, like, some areas might do really well, other\n\nChannel 1: Yep.\n\nChannel 0: ones not, and they kind of obviously work in that tandem. So despite that, you still have gone up that 10.16%, which is great.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Perfect. Now when we are talking about super as well, I do wanted to check.\n\nChannel 1: I\n\nChannel 0: I'm not sure do you read our newsletters every now and then or not really?\n\nChannel 1: do every now and then, but I don't,\n\nChannel 0: Yes.\n\nChannel 1: like, you know, actively follow it\n\nChannel 0: No.\n\nChannel 1: super\n\nChannel 0: That's\n\nChannel 1: closely.\n\nChannel 0: okay.\n\nChannel 1: Yeah.\n\nChannel 0: Most people are the same. So\n\nChannel 1: Mhmm.\n\nChannel 0: the reason I do ask\n\nChannel 1: Yes.\n\nChannel 0: is that in our native latest newsletter, we we put some information in regards to that we have recently teamed up with BlackRock, which you may have heard of,\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: and created our own SMA, so a self managed account alongside\n\nChannel 1: Oh, okay.\n\nChannel 0: that.\n\nChannel 1: Yep.\n\nChannel 0: Is that are you familiar what an SMA is?\n\nChannel 1: I am not.\n\nChannel 0: No. So most people think of a SMSF, which is different. So not self managed super fund, a self managed account. Basically, how that works if I compare it to your current portfolio, so your current portfolio will be more your model portfolio that we'd see. Now\n\nChannel 1: Yep.\n\nChannel 0: if I want to go and make a change, so for example, we would obviously have to go and do all the research for you, put together a proposal, present it through you. You would have to agree to the change before we can make a change.\n\nChannel 1: Oh, I\n\nChannel 0: So\n\nChannel 1: see.\n\nChannel 0: you would obviously have full control of of the changes,\n\nChannel 1: Yep.\n\nChannel 0: but it also means that it is a little bit delayed sometimes because it takes a process to obviously do the research by the time where you're available, go through the changes for you to approve it.\n\nChannel 1: Yep.\n\nChannel 0: With the SMA, how it works is you just invest kind of in a portfolio. So think similar to to Benelon in a way, but, obviously, different where you are just invested in one investment option. You don't actually see fully all the individual investment. And it's how it works is that we can then easily swap and change the investment. So if, for example, we had the IHS S and P 500 in the portfolio and we foresee that it's not going to be or something's going to happen and it's not going to be the best, we can quickly make a change without you having to have the SOA\n\nChannel 1: Yep.\n\nChannel 0: and approve the change. We can do it in the back end. We can still let you know of all the changes, of course, but it just takes away that kind of compliance process, and it makes it quicker.\n\nChannel 1: Yep. So\n\nChannel 0: If\n\nChannel 1: that\n\nChannel 0: you\n\nChannel 1: that's similar\n\nChannel 0: mhmm.\n\nChannel 1: to what, I guess, you guys are already doing with my a share of the listed securities, right, where\n\nChannel 0: Yes. It's\n\nChannel 1: on my behalf, you're modifying my HUB24\n\nChannel 0: correct.\n\nChannel 1: investment portfolio.\n\nChannel 0: But\n\nChannel 1: Yeah.\n\nChannel 0: in order for us to make a change, we would have to present it in an SOA.\n\nChannel 1: Okay.\n\nChannel 0: We can't go\n\nChannel 1: Yes.\n\nChannel 0: and change and and it like, I can't go and change an investment without\n\nChannel 1: Yep.\n\nChannel 0: doing the SOA and you approving the change. But, yes, otherwise, it's\n\nChannel 1: Yep.\n\nChannel 0: exactly the same. And the estimate are constructed of your low cost ETFs and stuff. It's just a different way.\n\nChannel 1: Yep.\n\nChannel 0: The the benefit of it as well is that we can make the changes quicker because we don't need to do the SOA process. Some\n\nChannel 1: Yep.\n\nChannel 0: people are quite happy to look at that as part of a research process to see, well, if it's going to be, you know, more competitive for me, I am comfortable with that approach. Some people go, no. I want I'm I'm okay for it to take a little bit forward if we need to make a change. I would like the the SOA and to approve the change before it happens.\n\nChannel 1: Yeah.\n\nChannel 0: How do you feel?\n\nChannel 1: I have to think about it. But is is so would the idea be that we move that then along one to the SMA and the rest of the portfolio stays the same? Or\n\nChannel 0: So\n\nChannel 1: would it be oh, sorry.\n\nChannel 0: yeah. No. So everything would be in the SMA.\n\nChannel 1: Right.\n\nChannel 0: So all your investments at the moment would be so you would be in the SMA. And then in the SMA, you still have a range of different investments. Spend along\n\nChannel 1: Yep.\n\nChannel 0: is not part of it,\n\nChannel 1: Mhmm.\n\nChannel 0: but you have a range of different investments. So for your end, like, if we do an SOA, you would see that, let's say, you have you invested in the SMA called Bloom, for example. So you would just see that you're in a option. Now if we were to go and change it, when you actually go into Hub twenty four, you can still click on it, and you can still see all the underlying investments. So it's still there for you.\n\nThe\n\nChannel 1: Yeah.\n\nChannel 0: the\n\nChannel 1: Okay.\n\nChannel 0: premise is that we can quickly make the changes because you\n\nChannel 1: Right.\n\nChannel 0: are not invested in that directly into each investment. You would just invest it in the portfolio. But, again, it is completely up to what you are comfortable with. Some people think it's it's fantastic, and some people prefer the other way. And, also,\n\nChannel 1: Yeah.\n\nChannel 0: even\n\nChannel 1: That's\n\nChannel 0: if it\n\nChannel 1: alright.\n\nChannel 0: is something you are comfortable with, I still have to do the research and prove it's in your best interest regardless.\n\nChannel 1: Yeah.\n\nChannel 0: It's just whether you\n\nChannel 1: I just\n\nChannel 0: are comfortable with the approach. Yeah.\n\nChannel 1: I'm just curious as to what I'm trying to identify what the main differences are between between the setup now and and the SMA setup. And I wasn't actually aware that you needed to provide me a SOA for the Australian listed securities. Well,\n\nChannel 0: Yes.\n\nChannel 1: to be honest, I wouldn't even aware that you had to do it for for any of them.\n\nChannel 0: Okay.\n\nChannel 1: But so right now, you wouldn't be able\n\nChannel 0: Mhmm.\n\nChannel 1: to say take out like, shift everything away from gold into something else without me approving in this. Is that\n\nChannel 0: Correct.\n\nChannel 1: right?\n\nChannel 0: That is correct.\n\nChannel 1: Okay.\n\nChannel 0: Yes. Yep.\n\nChannel 1: Right. Okay. I see. That makes sense. Alright.\n\nIn which\n\nChannel 0: Yeah.\n\nChannel 1: case yeah. I'm I'm well, I mean, I'm comfortable to go ahead with the research to to\n\nChannel 0: Yep.\n\nChannel 1: see if it's if it makes sense.\n\nChannel 0: It feels\n\nChannel 1: But,\n\nChannel 0: good. Okay.\n\nChannel 1: yeah, overall, I think I I would most likely be okay with that setup.\n\nChannel 0: Okay. What I'll do is I'll include it as part of my research. Now like I said, I need to do research on all the options out there and whichever puts you in the best position. So whether that is, you know, tax fees, performance, everything like that, I will\n\nChannel 1: Mhmm.\n\nChannel 0: make a recommendation, present it to you. Now if that turns out to be the estimate, the SOA has a lot more information in regards to the SMA as well that we can go through. And what I can also do is when I send you the email with the stuff we have what kind of discussed already, I could include some brochures in regards to the estimate so that you can also read up a little bit about it if you would like. But\n\nChannel 1: Mhmm.\n\nChannel 0: if I do the research, it might not be the best option. So it depends on your individual situation and your goals, but at least I can include it as part of the research. And if it is very competitive for you, then I can recommend it.\n\nChannel 1: Mhmm.\n\nChannel 0: Again, what I do recommend is just a suggestion at the end of the day. So if I if it turns out that it's going to put you in a better position, I know I recommend it, and we go through it and you go, you know what? I changed my mind. I don't like it. We don't have to do it.\n\nBut at least I\n\nChannel 1: Yep.\n\nChannel 0: can kind of, you know, present everything through you. So I'll at least consider it in part of the research, and then we can take it from there. Yep. Perfect. Now we're almost at the end because I know you have a busy day, but\n\nChannel 1: Yep.\n\nChannel 0: you will see your TAL COC. Don't need to open it now, but that's just your towel insurances. It just goes through\n\nChannel 1: Yep.\n\nChannel 0: them in a little bit more information, basically, just lets you know that's paid and up to date. And then you will have a Vanguard index chart. Now you might\n\nChannel 1: Yeah.\n\nChannel 0: be familiar with this or seen it before. It's just a good visual representation. It's sometimes easier if people don't have a lot of understanding of the the market and how things do fluctuate to kind of visualize it.\n\nChannel 1: Yeah.\n\nChannel 0: The other thing or the last thing I should say is when you do, you know, click on the link. So if you are comfortable, obviously, if you, when you have a moment, want to click the link where it says sign now, it will ask you to sign through documents. Now one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client. So no changes in regards to the ongoing advice fee. It stays exactly the same at 1.65% ongoing, but it basically just lets us service your account and everything like that.\n\nNo\n\nChannel 1: Yep.\n\nChannel 0: lock in contract, though. So if at any point in time you are not happy with the service, no lock in contract. But, otherwise, this just lets\n\nChannel 1: Mhmm.\n\nChannel 0: us service everything on your end otherwise. And the last one is just a tax file number opt in form, which is just a compliance form to say that we are keeping your tax file number secure and safe on the file.\n\nChannel 1: Yeah.\n\nChannel 0: Do you have any questions in regards through any of that? I know that's probably a lot.\n\nChannel 1: No. No. It's fine.\n\nChannel 0: No?\n\nChannel 1: It seems reasonable. Yeah.\n\nChannel 0: Yeah. Great. Perfect. So, basically, from here is, take a moment and have a read through the document. Any questions, let me know.\n\nIf not, if you're comfortable\n\nChannel 1: Yep.\n\nChannel 0: to do so, we'll just need you to sign those documents. That will come through on our end, and I'll let the team know to process that.\n\nChannel 1: Yeah.\n\nChannel 0: I will also send you that email. Now I will try to do it today, but I'm quite back to back all day, so it might be tomorrow.\n\nChannel 1: Yep.\n\nChannel 0: But I will send that as soon as I can. And then, obviously, when you guys come back from your holiday, let\n\nChannel 1: Yep.\n\nChannel 0: me know. I'll I'll have a chat to your wife as well to see how we can incorporate everything. And if it is that we're just looking at contributions, then I will obviously decide everything we've spoken about today for you or if we can incorporate it for her as well.\n\nChannel 1: Mhmm.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Sounds\n\nChannel 0: Do you\n\nChannel 1: good.\n\nChannel 0: have any questions or anything like that for me at this point otherwise?\n\nChannel 1: Yeah. It sounds\n\nChannel 0: No?\n\nChannel 1: all good.\n\nChannel 0: Yep. Perfect. And just for my record as well, when do you guys go on holiday and when do you come back? Just so I can let the team know not to call you guys on your way.\n\nChannel 1: That's\n\nChannel 0: If\n\nChannel 1: alright.\n\nChannel 0: there's ever\n\nChannel 1: Yeah. We'll be off from Thursday until until well, we'll be back on May 4. Yeah. May\n\nChannel 0: The fourth. Okay. Perfect. I'll just note that\n\nChannel 1: the\n\nChannel 0: down.\n\nChannel 1: fourth.\n\nChannel 0: If there is anything, I will send you an email, but, obviously, you're on holiday, so so no rush.\n\nChannel 1: Yep.\n\nChannel 0: I will tentatively pencil in that you said the twelfth for for your wife. But, again, obviously, just confirm what works. And, otherwise, I hope you have a lovely holiday, and I look forward to speaking with both\n\nChannel 1: Yeah.\n\nChannel 0: of you when you come back.\n\nChannel 1: Yeah. Thank you very much.\n\nChannel 0: Mhmm. No problem at all. I hope you enjoy the rest of your afternoon as well.\n\nChannel 1: Thanks. You too.\n\nChannel 0: Mhmm. No worries.\n\nChannel 1: Bye.\n\nChannel 0: Thanks, Alan. Bye.\n\nChannel 1: See you.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.08,"end":0.58,"sentiment":"neutral","sentiment_score":0.02784266136586666}],"sentiment":"neutral","sentiment_score":0.02784266136586666,"channel":1,"num_words":1,"start":0.08,"end":0.58},{"sentences":[{"text":"Good afternoon.","start":3.36,"end":4.08,"sentiment":"neutral","sentiment_score":0.19619694352149963}],"sentiment":"neutral","sentiment_score":0.19619694352149963,"channel":0,"num_words":2,"start":3.36,"end":4.08},{"sentences":[{"text":"Alan","start":4.08,"end":4.4,"sentiment":"neutral","sentiment_score":0.09095529466867448}],"sentiment":"neutral","sentiment_score":0.09095529466867448,"channel":1,"num_words":1,"start":4.08,"end":4.4},{"sentences":[{"text":"This is","start":4.08,"end":4.4,"sentiment":"neutral","sentiment_score":0.09692137688398361}],"sentiment":"neutral","sentiment_score":0.09692137688398361,"channel":0,"num_words":2,"start":4.08,"end":4.4},{"sentences":[{"text":"speaking.","start":4.4,"end":4.9,"sentiment":"neutral","sentiment_score":0.10166452825069427}],"sentiment":"neutral","sentiment_score":0.10166452825069427,"channel":1,"num_words":1,"start":4.4,"end":4.9},{"sentences":[{"text":"Alan speaking.","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.08437985926866531},{"text":"Good afternoon, Alan.","start":5.8399997,"end":6.7999997,"sentiment":"neutral","sentiment_score":0.24864299595355988},{"text":"It's Veronica from Financial.","start":6.7999997,"end":8.34,"sentiment":"neutral","sentiment_score":0.21376245468854904},{"text":"How are you?","start":8.8,"end":9.62,"sentiment":"neutral","sentiment_score":0.16194215416908264}],"sentiment":"neutral","sentiment_score":0.1879637489716212,"channel":0,"num_words":12,"start":4.4,"end":9.62},{"sentences":[{"text":"Alright.","start":10.0,"end":10.48,"sentiment":"neutral","sentiment_score":0.32973718643188477},{"text":"I'm going well.","start":10.48,"end":11.62,"sentiment":"positive","sentiment_score":0.5294049382209778}],"sentiment":"positive","sentiment_score":0.47948800027370453,"channel":1,"num_words":4,"start":10.0,"end":11.62},{"sentences":[{"text":"That's good.","start":12.08,"end":13.059999,"sentiment":"positive","sentiment_score":0.7293257415294647},{"text":"I had you booked in to go over your annual review.","start":13.565,"end":16.285,"sentiment":"positive","sentiment_score":0.3961785706606778},{"text":"Is now still a good time for you?","start":16.285,"end":17.985,"sentiment":"neutral","sentiment_score":0.28261465951800346}],"sentiment":"positive","sentiment_score":0.3846444303081149,"channel":0,"num_words":21,"start":12.08,"end":17.985},{"sentences":[{"text":"Yeah.","start":18.305,"end":18.545,"sentiment":"neutral","sentiment_score":0.26162993907928467},{"text":"That's good.","start":18.545,"end":19.285,"sentiment":"positive","sentiment_score":0.3957086354494095}],"sentiment":"positive","sentiment_score":0.35101573665936786,"channel":1,"num_words":3,"start":18.305,"end":19.285},{"sentences":[{"text":"Yep.","start":19.485,"end":19.985,"sentiment":"neutral","sentiment_score":0.2821197509765625},{"text":"Perfect.","start":20.045,"end":20.545,"sentiment":"positive","sentiment_score":0.4058908820152282},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":20.765,"end":28.145,"sentiment":"neutral","sentiment_score":0.040929816791723514}],"sentiment":"neutral","sentiment_score":0.060483074837153955,"channel":0,"num_words":31,"start":19.485,"end":28.145},{"sentences":[{"text":"Yeah.","start":28.545,"end":28.785,"sentiment":"neutral","sentiment_score":0.11093921959400176},{"text":"That's fine.","start":28.785,"end":29.605,"sentiment":"neutral","sentiment_score":0.1792089194059372}],"sentiment":"neutral","sentiment_score":0.1564523528019587,"channel":1,"num_words":3,"start":28.545,"end":29.605},{"sentences":[{"text":"Perfect.","start":30.0,"end":30.48,"sentiment":"neutral","sentiment_score":0.27441757917404175},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":30.48,"end":37.78,"sentiment":"neutral","sentiment_score":0.06598743796348572}],"sentiment":"neutral","sentiment_score":0.07370707282313595,"channel":0,"num_words":27,"start":30.0,"end":37.78},{"sentences":[{"text":"Yeah.","start":38.3,"end":38.8,"sentiment":"neutral","sentiment_score":0.0046777441166341305},{"text":"My full name is Alan.","start":39.26,"end":40.48,"sentiment":"neutral","sentiment_score":-0.005279771983623505},{"text":"My oops.","start":41.34,"end":42.345,"sentiment":"neutral","sentiment_score":-0.024662808515131474},{"text":"Okay.","start":44.265,"end":44.665,"sentiment":"neutral","sentiment_score":-0.030276786535978317},{"text":"Sorry.","start":44.665,"end":45.065002,"sentiment":"neutral","sentiment_score":-0.12453020364046095}],"sentiment":"neutral","sentiment_score":-0.022585372300818564,"channel":1,"num_words":10,"start":38.3,"end":45.065002},{"sentences":[{"text":"I just got a weird notification.","start":45.065002,"end":46.605,"sentiment":"neutral","sentiment_score":-0.2076984072724978},{"text":"Sorry.","start":47.065002,"end":47.465,"sentiment":"neutral","sentiment_score":-0.1412910521030426},{"text":"Yes.","start":47.465,"end":47.705,"sentiment":"neutral","sentiment_score":-0.06510286033153534}],"sentiment":"neutral","sentiment_score":-0.1815730445086956,"channel":1,"num_words":8,"start":45.065002,"end":47.705},{"sentences":[{"text":"No.","start":47.614998,"end":47.774998,"sentiment":"neutral","sentiment_score":-0.16944009065628052}],"sentiment":"neutral","sentiment_score":-0.16944009065628052,"channel":0,"num_words":1,"start":47.614998,"end":47.774998},{"sentences":[{"text":"Alan","start":47.705,"end":48.105,"sentiment":"neutral","sentiment_score":-0.10092971473932266}],"sentiment":"neutral","sentiment_score":-0.10092971473932266,"channel":1,"num_words":1,"start":47.705,"end":48.105},{"sentences":[{"text":"That's okay.","start":47.774998,"end":48.515,"sentiment":"neutral","sentiment_score":-0.11464780941605568}],"sentiment":"neutral","sentiment_score":-0.11464780941605568,"channel":0,"num_words":2,"start":47.774998,"end":48.515},{"sentences":[{"text":"Ethan Oi.","start":48.105,"end":49.005,"sentiment":"neutral","sentiment_score":-0.09138813987374306}],"sentiment":"neutral","sentiment_score":-0.09138813987374306,"channel":1,"num_words":2,"start":48.105,"end":49.005},{"sentences":[{"text":"Yeah.","start":49.454998,"end":49.954998,"sentiment":"neutral","sentiment_score":-0.1450724899768829}],"sentiment":"neutral","sentiment_score":-0.1450724899768829,"channel":0,"num_words":1,"start":49.454998,"end":49.954998},{"sentences":[{"text":"And in fact, it's funny because my my phone just flagged you as a scam.","start":49.465,"end":55.86,"sentiment":"neutral","sentiment_score":-0.2846285104751587},{"text":"Well, I'm pretty sure 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with, obviously, like, salary sacrifice or if you're wanting to do extra contributions, there are obviously different ways you can do it.","start":604.925,"end":612.97,"sentiment":"neutral","sentiment_score":-0.013320752680301666},{"text":"Now you mentioned as well that you wanted to potentially utilize some unused cap space in previous years.","start":612.97,"end":620.75,"sentiment":"neutral","sentiment_score":0.023937105097704463},{"text":"Is that basic because you would like to boost your superannuation, or what kind of, I guess, reasoning for that?","start":621.255,"end":629.11505,"sentiment":"neutral","sentiment_score":0.06265790704637766}],"sentiment":"neutral","sentiment_score":0.020584320183843374,"channel":0,"num_words":64,"start":604.28503,"end":629.11505},{"sentences":[{"text":"So what I recall, and I have to dig up the email, but maybe you have the analysis from Dana 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shoot I'm sure I probably have it somewhere.","start":775.44495,"end":780.95,"sentiment":"neutral","sentiment_score":0.024747915995808747},{"text":"But, yeah,","start":781.25,"end":781.73,"sentiment":"neutral","sentiment_score":0.00997645128518343}],"sentiment":"neutral","sentiment_score":0.02277838736772537,"channel":1,"num_words":15,"start":775.44495,"end":781.73},{"sentences":[{"text":"Yeah.","start":781.685,"end":782.185,"sentiment":"neutral","sentiment_score":0.008429111912846565}],"sentiment":"neutral","sentiment_score":0.008429111912846565,"channel":0,"num_words":1,"start":781.685,"end":782.185},{"sentences":[{"text":"I think I've I've sort of pulled these.","start":781.73,"end":783.97,"sentiment":"neutral","sentiment_score":-0.020372883649542928},{"text":"I have very wet memories of pulling these documents at 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will","start":3275.585,"end":3279.99,"sentiment":"neutral","sentiment_score":0.1555402944130557}],"sentiment":"neutral","sentiment_score":0.22950401321053504,"channel":0,"num_words":50,"start":3266.145,"end":3279.99},{"sentences":[{"text":"Mhmm.","start":3279.925,"end":3280.425,"sentiment":"neutral","sentiment_score":0.18730108439922333}],"sentiment":"neutral","sentiment_score":0.18730108439922333,"channel":1,"num_words":1,"start":3279.925,"end":3280.425},{"sentences":[{"text":"make a recommendation, present it to you.","start":3279.99,"end":3282.7302,"sentiment":"neutral","sentiment_score":0.24781085763658797},{"text":"Now if that turns out to be the estimate, the SOA has a lot more information in regards to the SMA as well that we can go through.","start":3282.9502,"end":3290.495,"sentiment":"neutral","sentiment_score":0.231057344270604},{"text":"And what I can also do is when I send you the email with the stuff we have what kind of discussed already, I could include some brochures in regards to the estimate so that you can also read up a little bit about it if you would like.","start":3290.495,"end":3301.74,"sentiment":"neutral","sentiment_score":0.22794184803354497},{"text":"But","start":3302.3,"end":3302.6199,"sentiment":"neutral","sentiment_score":-0.008319713175296783}],"sentiment":"neutral","sentiment_score":0.2278248527470757,"channel":0,"num_words":85,"start":3279.99,"end":3302.6199},{"sentences":[{"text":"Mhmm.","start":3302.43,"end":3302.93,"sentiment":"neutral","sentiment_score":-0.061003200709819794}],"sentiment":"neutral","sentiment_score":-0.061003200709819794,"channel":1,"num_words":1,"start":3302.43,"end":3302.93},{"sentences":[{"text":"if I do the research, it might not be the best option.","start":3302.6199,"end":3305.1,"sentiment":"neutral","sentiment_score":-0.3308738023042679},{"text":"So it depends on your individual situation and your goals, but at least I can include it as part of the 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know.","start":3442.765,"end":3444.2048,"sentiment":"neutral","sentiment_score":0.15017640739679336}],"sentiment":"neutral","sentiment_score":0.3035271786477255,"channel":0,"num_words":23,"start":3437.325,"end":3444.2048},{"sentences":[{"text":"If not, if you're comfortable","start":3444.525,"end":3445.6648,"sentiment":"neutral","sentiment_score":0.06348992213606834}],"sentiment":"neutral","sentiment_score":0.06348992213606834,"channel":0,"num_words":5,"start":3444.525,"end":3445.6648},{"sentences":[{"text":"Yep.","start":3445.455,"end":3445.955,"sentiment":"neutral","sentiment_score":0.16726183891296387}],"sentiment":"neutral","sentiment_score":0.16726183891296387,"channel":1,"num_words":1,"start":3445.455,"end":3445.955},{"sentences":[{"text":"to do so, we'll just need you to sign those documents.","start":3445.7249,"end":3448.3,"sentiment":"neutral","sentiment_score":0.2154722809791565},{"text":"That will come through on our end, and I'll let the team know to process that.","start":3448.76,"end":3453.02,"sentiment":"neutral","sentiment_score":0.26094872411340475}],"sentiment":"neutral","sentiment_score":0.24242128431797028,"channel":0,"num_words":27,"start":3445.7249,"end":3453.02},{"sentences":[{"text":"Yeah.","start":3452.6924,"end":3453.1924,"sentiment":"neutral","sentiment_score":0.20506784319877625}],"sentiment":"neutral","sentiment_score":0.20506784319877625,"channel":1,"num_words":1,"start":3452.6924,"end":3453.1924},{"sentences":[{"text":"I will also send you that email.","start":3453.32,"end":3455.48,"sentiment":"neutral","sentiment_score":0.21992418808596476},{"text":"Now I will try to do it today, but I'm quite back to back all day, so it might be tomorrow.","start":3455.48,"end":3460.54,"sentiment":"neutral","sentiment_score":0.1074036510572547}],"sentiment":"neutral","sentiment_score":0.13553378531443222,"channel":0,"num_words":28,"start":3453.32,"end":3460.54},{"sentences":[{"text":"Yep.","start":3461.45,"end":3461.95,"sentiment":"neutral","sentiment_score":0.17991843819618225}],"sentiment":"neutral","sentiment_score":0.17991843819618225,"channel":1,"num_words":1,"start":3461.45,"end":3461.95},{"sentences":[{"text":"But I will send that as soon as I can.","start":3461.595,"end":3463.775,"sentiment":"neutral","sentiment_score":0.2705788120627403},{"text":"And then, obviously, when you guys come back from your holiday, let","start":3464.395,"end":3468.795,"sentiment":"neutral","sentiment_score":0.19807043423255286}],"sentiment":"neutral","sentiment_score":0.23102878779172897,"channel":0,"num_words":22,"start":3461.595,"end":3468.795},{"sentences":[{"text":"Yep.","start":3468.65,"end":3469.15,"sentiment":"neutral","sentiment_score":0.1726428121328354}],"sentiment":"neutral","sentiment_score":0.1726428121328354,"channel":1,"num_words":1,"start":3468.65,"end":3469.15},{"sentences":[{"text":"me know.","start":3468.795,"end":3469.355,"sentiment":"neutral","sentiment_score":0.2310945689678192},{"text":"I'll I'll have a chat to your wife as well to see how we can incorporate everything.","start":3469.355,"end":3473.935,"sentiment":"neutral","sentiment_score":0.26697894235086794},{"text":"And if it is that we're just looking at contributions, then I will obviously decide everything we've spoken about today for you or if we can incorporate it for her as 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you","start":3486.565,"end":3486.885,"sentiment":"positive","sentiment_score":0.3859867751598358}],"sentiment":"positive","sentiment_score":0.3859867751598358,"channel":0,"num_words":2,"start":3486.565,"end":3486.885},{"sentences":[{"text":"good.","start":3486.875,"end":3487.375,"sentiment":"positive","sentiment_score":0.37347832322120667}],"sentiment":"positive","sentiment_score":0.37347832322120667,"channel":1,"num_words":1,"start":3486.875,"end":3487.375},{"sentences":[{"text":"have any questions or anything like that for me at this point otherwise?","start":3486.885,"end":3491.785,"sentiment":"neutral","sentiment_score":0.10825713551961459}],"sentiment":"neutral","sentiment_score":0.10825713551961459,"channel":0,"num_words":13,"start":3486.885,"end":3491.785},{"sentences":[{"text":"Yeah.","start":3492.93,"end":3493.43,"sentiment":"neutral","sentiment_score":0.027629638090729713},{"text":"It sounds","start":3493.49,"end":3494.21,"sentiment":"neutral","sentiment_score":0.0006803460419178009}],"sentiment":"neutral","sentiment_score":0.009663443391521772,"channel":1,"num_words":3,"start":3492.93,"end":3494.21},{"sentences":[{"text":"No?","start":3494.085,"end":3494.585,"sentiment":"neutral","sentiment_score":0.00814410112798214}],"sentiment":"neutral","sentiment_score":0.00814410112798214,"channel":0,"num_words":1,"start":3494.085,"end":3494.585},{"sentences":[{"text":"all good.","start":3494.21,"end":3494.8699,"sentiment":"neutral","sentiment_score":0.13990527391433716}],"sentiment":"neutral","sentiment_score":0.13990527391433716,"channel":1,"num_words":2,"start":3494.21,"end":3494.8699},{"sentences":[{"text":"Yep.","start":3495.125,"end":3495.445,"sentiment":"neutral","sentiment_score":0.16866521537303925},{"text":"Perfect.","start":3495.445,"end":3495.945,"sentiment":"positive","sentiment_score":0.4434439539909363},{"text":"And just for my record as well, when do you guys go on holiday and when do you come back?","start":3496.0051,"end":3500.42,"sentiment":"neutral","sentiment_score":0.07297254763543606},{"text":"Just so I can let the team know not to call you guys on your way.","start":3500.42,"end":3504.2,"sentiment":"neutral","sentiment_score":-0.018942054826766253}],"sentiment":"neutral","sentiment_score":0.04653913802222202,"channel":0,"num_words":38,"start":3495.125,"end":3504.2},{"sentences":[{"text":"That's","start":3504.365,"end":3504.605,"sentiment":"neutral","sentiment_score":0.01964259147644043}],"sentiment":"neutral","sentiment_score":0.01964259147644043,"channel":1,"num_words":1,"start":3504.365,"end":3504.605},{"sentences":[{"text":"If","start":3504.5798,"end":3504.8198,"sentiment":"neutral","sentiment_score":0.022490402683615685}],"sentiment":"neutral","sentiment_score":0.022490402683615685,"channel":0,"num_words":1,"start":3504.5798,"end":3504.8198},{"sentences":[{"text":"alright.","start":3504.605,"end":3505.105,"sentiment":"neutral","sentiment_score":0.024231210350990295}],"sentiment":"neutral","sentiment_score":0.024231210350990295,"channel":1,"num_words":1,"start":3504.605,"end":3505.105},{"sentences":[{"text":"there's ever","start":3504.8198,"end":3505.64,"sentiment":"neutral","sentiment_score":0.02570336125791073}],"sentiment":"neutral","sentiment_score":0.02570336125791073,"channel":0,"num_words":2,"start":3504.8198,"end":3505.64},{"sentences":[{"text":"Yeah.","start":3506.125,"end":3506.445,"sentiment":"neutral","sentiment_score":0.03272418677806854},{"text":"We'll be off from Thursday until until well, we'll be back on May 4.","start":3506.445,"end":3515.25,"sentiment":"neutral","sentiment_score":0.02328038029372692},{"text":"Yeah.","start":3515.33,"end":3515.73,"sentiment":"neutral","sentiment_score":0.03351663053035736},{"text":"May","start":3515.73,"end":3516.23,"sentiment":"neutral","sentiment_score":0.037921469658613205}],"sentiment":"neutral","sentiment_score":0.02529927123995388,"channel":1,"num_words":17,"start":3506.125,"end":3516.23},{"sentences":[{"text":"The fourth.","start":3516.835,"end":3517.315,"sentiment":"neutral","sentiment_score":0.04179219901561737},{"text":"Okay.","start":3517.315,"end":3517.815,"sentiment":"neutral","sentiment_score":0.15288174152374268},{"text":"Perfect.","start":3517.875,"end":3518.355,"sentiment":"positive","sentiment_score":0.34506890177726746},{"text":"I'll just note that","start":3518.355,"end":3519.315,"sentiment":"neutral","sentiment_score":0.19021008908748627}],"sentiment":"neutral","sentiment_score":0.16779692471027374,"channel":0,"num_words":8,"start":3516.835,"end":3519.315},{"sentences":[{"text":"the","start":3519.24,"end":3519.49,"sentiment":"neutral","sentiment_score":0.0976151004433632}],"sentiment":"neutral","sentiment_score":0.0976151004433632,"channel":1,"num_words":1,"start":3519.24,"end":3519.49},{"sentences":[{"text":"down.","start":3519.315,"end":3519.815,"sentiment":"neutral","sentiment_score":0.08894156664609909}],"sentiment":"neutral","sentiment_score":0.08894156664609909,"channel":0,"num_words":1,"start":3519.315,"end":3519.815},{"sentences":[{"text":"fourth.","start":3519.49,"end":3519.99,"sentiment":"neutral","sentiment_score":0.06744514405727386}],"sentiment":"neutral","sentiment_score":0.06744514405727386,"channel":1,"num_words":1,"start":3519.49,"end":3519.99},{"sentences":[{"text":"If there is anything, I will send you an email, but, obviously, you're on holiday, so so no rush.","start":3519.955,"end":3524.935,"sentiment":"neutral","sentiment_score":0.07367783980934244}],"sentiment":"neutral","sentiment_score":0.07367783980934244,"channel":0,"num_words":19,"start":3519.955,"end":3524.935},{"sentences":[{"text":"Yep.","start":3525.49,"end":3525.99,"sentiment":"neutral","sentiment_score":0.14929687976837158}],"sentiment":"neutral","sentiment_score":0.14929687976837158,"channel":1,"num_words":1,"start":3525.49,"end":3525.99},{"sentences":[{"text":"I will tentatively pencil in that you said the twelfth for for your wife.","start":3525.6099,"end":3529.77,"sentiment":"neutral","sentiment_score":0.15432357362338475},{"text":"But, again, obviously, just confirm what works.","start":3529.77,"end":3532.19,"sentiment":"neutral","sentiment_score":0.2108727799994605},{"text":"And, otherwise, I hope you have a lovely holiday, and I look forward to speaking with both","start":3532.65,"end":3538.49,"sentiment":"positive","sentiment_score":0.5111753923051497}],"sentiment":"neutral","sentiment_score":0.32438476736608307,"channel":0,"num_words":38,"start":3525.6099,"end":3538.49},{"sentences":[{"text":"Yeah.","start":3538.255,"end":3538.755,"sentiment":"neutral","sentiment_score":0.18904685974121097}],"sentiment":"neutral","sentiment_score":0.18904685974121097,"channel":1,"num_words":1,"start":3538.255,"end":3538.755},{"sentences":[{"text":"of you when you come back.","start":3538.49,"end":3539.775,"sentiment":"neutral","sentiment_score":0.16690869629383087}],"sentiment":"neutral","sentiment_score":0.16690869629383087,"channel":0,"num_words":6,"start":3538.49,"end":3539.775},{"sentences":[{"text":"Yeah.","start":3540.015,"end":3540.255,"sentiment":"neutral","sentiment_score":0.2558947503566742},{"text":"Thank you very 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too.","start":3546.14,"end":3546.8801,"sentiment":"neutral","sentiment_score":0.24804002046585083}],"sentiment":"neutral","sentiment_score":0.2944732904434204,"channel":1,"num_words":3,"start":3545.74,"end":3546.8801},{"sentences":[{"text":"Mhmm.","start":3546.7349,"end":3547.2349,"sentiment":"neutral","sentiment_score":0.13771486282348633},{"text":"No worries.","start":3547.295,"end":3547.775,"sentiment":"neutral","sentiment_score":0.18290475010871887}],"sentiment":"neutral","sentiment_score":0.1678414543469747,"channel":0,"num_words":3,"start":3546.7349,"end":3547.775},{"sentences":[{"text":"Bye.","start":3547.74,"end":3548.24,"sentiment":"neutral","sentiment_score":0.20536498725414276}],"sentiment":"neutral","sentiment_score":0.20536498725414276,"channel":1,"num_words":1,"start":3547.74,"end":3548.24},{"sentences":[{"text":"Thanks, Alan.","start":3547.775,"end":3548.595,"sentiment":"positive","sentiment_score":0.37475186586380005},{"text":"Bye.","start":3548.9749,"end":3549.4749,"sentiment":"neutral","sentiment_score":0.2919846177101135}],"sentiment":"positive","sentiment_score":0.34716278314590454,"channel":0,"num_words":3,"start":3547.775,"end":3549.4749},{"sentences":[{"text":"See you.","start":3549.18,"end":3549.92,"sentiment":"neutral","sentiment_score":0.27789875864982605}],"sentiment":"neutral","sentiment_score":0.27789875864982605,"channel":1,"num_words":2,"start":3549.18,"end":3549.92},{"sentences":[{"text":"Bye.","start":3550.4949,"end":3550.9949,"sentiment":"neutral","sentiment_score":0.11775000393390656}],"sentiment":"neutral","sentiment_score":0.11775000393390656,"channel":0,"num_words":1,"start":3550.4949,"end":3550.9949}]},"summary":{"result":"success","short":"The representative from Financial discusses personal information with the customer, including retirement plans, income, and contributions. They suggest contributions and advise on finding unused cap space for savings. The speaker emphasizes updating newsletters and researching the customer's situation before making changes. They also provide information about tax files and compliance forms for clients, including a deadline until May 14th and tentatively pencil-in dates for the call."},"intents":{"segments":[{"text":"I had you booked in to go over your annual review. Is now still a good time for you?","start_word":25,"end_word":43,"intents":[{"intent":"Schedule annual review","confidence_score":0.108439766}]},{"text":"So if I just look at your bonus and your base, that's about 278.","start_word":1119,"end_word":1132,"intents":[{"intent":"Calculate bonus amount","confidence_score":0.00022790261}]},{"text":"I think my company asked me how much total I want Yep. to contribute. Yep. I have to double check. And I think Okay. if that's the case, then I think the aim was to set it to be an amount that was maybe needs to be updated now.","start_word":1468,"end_word":1516,"intents":[{"intent":"Update yep","confidence_score":0.005030869}]},{"text":"Now you mentioned as well that you wanted to potentially utilize some unused cap space in previous years.","start_word":1611,"end_word":1628,"intents":[{"intent":"Use unused cap space","confidence_score":0.21793717},{"intent":"Utilize unused cap space","confidence_score":0.015245027}]},{"text":"Well, I want to use unused cap space. And sometimes it's if you've sold an investment property, you wanna bring down, you know, CGT by making contributions into super and stuff like that.","start_word":1790,"end_word":1822,"intents":[{"intent":"Use unused cap space","confidence_score":0.20447299}]},{"text":"Well, I want to use unused cap space. And sometimes it's if you've sold an investment property, you wanna bring down, you know, CGT by making contributions into super and stuff like that. That's sometimes why we do those strategies. Other times, it's just because you have excess cash flow and you would like to put it into super so that you obviously compound and have more by the time you retire.","start_word":1790,"end_word":1861,"intents":[{"intent":"Use leftover cap space","confidence_score":0.002652264}]},{"text":"there any particular reasoning why you would like to do it, or is it just that you guys have, you know, enough cash put aside that you would like to utilize some of it in a tax effective manner by still boosting your super essentially?","start_word":1886,"end_word":1930,"intents":[{"intent":"Increase super","confidence_score":0.030528761}]},{"text":"there any particular reasoning why you would like to do it, or is it just that you guys have, you know, enough cash put aside that you would like to utilize some of it in a tax effective manner by still boosting your super essentially? Yeah.","start_word":1886,"end_word":1931,"intents":[{"intent":"Use cash","confidence_score":0.030055175},{"intent":"Utilize excess cash","confidence_score":0.017760916}]},{"text":"So what I might get you to do as well, just so I can then run the numbers and stuff like that for you, is to find your unused cap space, you can do you have access to myGov? I Yeah.","start_word":2012,"end_word":2052,"intents":[{"intent":"Run numbers","confidence_score":0.17377685}]},{"text":"But what I might get in the email when it comes to the contributions, I will just put again, just in case you can't find the email for the information, steps on how to just find it on myGov.","start_word":2165,"end_word":2203,"intents":[{"intent":"Discuss contribution options","confidence_score":0.011875918}]},{"text":"from that, the benefit is you will have more interest superannuation as well, Yeah.","start_word":2546,"end_word":2559,"intents":[{"intent":"Discuss benefits and benefits","confidence_score":0.019489326}]},{"text":"So what I'll do is, obviously, after the call today, when we've kind of I'll put together a new recommendation Yeah. for you.","start_word":2644,"end_word":2666,"intents":[{"intent":"Finalize recommendation","confidence_score":0.052015852},{"intent":"Finalize recommendation","confidence_score":0.5829066}]},{"text":"I will send you an email with the documents that I need just to finalize all of that. Obviously, take your time and send that back. And Mhmm.","start_word":2668,"end_word":2695,"intents":[{"intent":"Send documents","confidence_score":0.36092097}]},{"text":"So has she what's her situate situation like at the moment? So she's not employed at the moment. Mhmm. So, yeah, she's just yeah. She has no, Yep. like, serious amounts of, like, income. A bit here and there, she has used some hobbies, like, things on the side, Mhmm. like, other pursuits Mhmm.","start_word":2764,"end_word":2817,"intents":[{"intent":"Discuss spouse's location and hobbies","confidence_score":0.00062452286}]},{"text":"So typically speaking, we would look to see if she would be interested in coming on board as a client depending on Mhmm. how much she would like to to do. Would that be something she would be always been through exploring, like, doing some research and stuff, or what's her kind of situation like? Or is it literally I just think superannuation?","start_word":2933,"end_word":2995,"intents":[{"intent":"Explore superannuation options","confidence_score":0.0788925}]},{"text":"Now my what I might do is just to get a bit more in-depth research on her situation. Now if it is that we just look at exploring everything in regards to Mhmm. her superannuation, we can definitely just do that. And, again, it's it's a free review where we can review her situation where things Yep. are at.","start_word":3162,"end_word":3220,"intents":[{"intent":"Review situation","confidence_score":0.40792748}]},{"text":"Well, if we do contributions for you, how will that impact her? Yeah.","start_word":3245,"end_word":3257,"intents":[{"intent":"Understand contribution impact","confidence_score":0.0068587107},{"intent":"Discuss contributions","confidence_score":0.2191161},{"intent":"Explore contribution options","confidence_score":0.243321}]},{"text":"It will probably be, like, it'll probably be a Tuesday, and I'll Yep. I would probably say, like, at a tentative date just to Yep. give you an idea, but we'll Yep. confirm the emails later. Like, maybe the Mhmm. May 12 or Twelve something seventy.","start_word":3761,"end_word":3806,"intents":[{"intent":"Confirm appointment","confidence_score":0.0008623098}]},{"text":"Do you have any max amounts that you would want to give to her or anything like that, or is it just whatever is going through help both of you?","start_word":3928,"end_word":3957,"intents":[{"intent":"Confirm amount of interest","confidence_score":0.00009771021}]},{"text":"Now, otherwise, I have here investment portfolio around 54,000. I think that has changed quite a bit. Yeah?","start_word":4248,"end_word":4265,"intents":[{"intent":"Receive investment portfolio","confidence_score":0.0005142429}]},{"text":"I can always send you this in the email as well, and you can just confirm the figure. Yep.","start_word":4298,"end_word":4316,"intents":[{"intent":"Confirm figure","confidence_score":0.88983387},{"intent":"Confirm figure","confidence_score":0.20317142},{"intent":"Confirm figure","confidence_score":0.13284492}]},{"text":"Any other assets in the last twelve months? Nope. Perfect. Any other liabilities, like personal loans, credit cards, tip pay?","start_word":4338,"end_word":4357,"intents":[{"intent":"Confirm personal assets","confidence_score":0.096828155}]},{"text":"Any other liabilities, like personal loans, credit cards, tip pay? Nope. Perfect.","start_word":4348,"end_word":4359,"intents":[{"intent":"Confirm personal bank account","confidence_score":0.000008940829}]},{"text":"And That's now do you have private health correct. insurance? Well, yes.","start_word":4393,"end_word":4404,"intents":[{"intent":"Inquire about private health insurance","confidence_score":0.0063127605}]},{"text":"When it comes to estate planning, do you have a will in place?","start_word":4444,"end_word":4456,"intents":[{"intent":"Inquire about estate planning","confidence_score":0.116852954}]},{"text":"And are you a tax resident in any foreign jurisdiction?","start_word":4503,"end_word":4512,"intents":[{"intent":"Confirm citizenship","confidence_score":0.0021927708}]},{"text":"And are you a tax resident in any foreign jurisdiction? No.","start_word":4503,"end_word":4513,"intents":[{"intent":"Inquire about foreign jurisdictions","confidence_score":0.06665968}]},{"text":"Do you have any other financial or nonfinancial goals that you are working towards?","start_word":4551,"end_word":4564,"intents":[{"intent":"Confirm financial goals","confidence_score":0.009339081}]},{"text":"retirement, obviously, but Yeah. Not directly.","start_word":4580,"end_word":4585,"intents":[{"intent":"Confirm retirement","confidence_score":0.05971249}]},{"text":"Because I have here that last time as a kind of medium term goal for three to five years was potentially looking at an investment property. Is that still Yeah.","start_word":4594,"end_word":4623,"intents":[{"intent":"Clarify objectives","confidence_score":0.00043973248}]},{"text":"So, basically, how much risk are you willing to take in order to make sure thinking about superannuation in this instance, in order to make sure that you stay on top of, obviously, the rising of prices, would you say that you are willing to accept very high risk, thinking long term, high, medium, or a small amount of risk?","start_word":5258,"end_word":5317,"intents":[{"intent":"Assess risk tolerance","confidence_score":0.11633353},{"intent":"Consider high risk tolerance","confidence_score":0.0016992495}]},{"text":"Now the next question is in regards to volatility. So kind of like you touched on a little bit as well. Obviously, things are and can fluctuate a bit with investment. Mhmm.","start_word":5414,"end_word":5445,"intents":[{"intent":"Discuss volatility","confidence_score":0.5737808}]},{"text":"Now if you placed an an investment and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market.","start_word":5446,"end_word":5475,"intents":[{"intent":"Investigate market trends","confidence_score":0.00022208957}]},{"text":"And if you had the option to do so, would you invest heavily or just a little bit? Probably quite heavily.","start_word":5568,"end_word":5588,"intents":[{"intent":"Determine investment options","confidence_score":0.0006580252}]},{"text":"So if you kind of notice any of your investments, so whether that is your personal investments or the company shares or your superannuation drop, would you say that if you notice it, you would feel, you know, optimistic about potential opportunities, what that might mean, or a bit more kind of neutral, or would you say that it would make you feel quite concerned and anxious?","start_word":5663,"end_word":5729,"intents":[{"intent":"Evaluate investments","confidence_score":0.17833988}]},{"text":"can just, like, begin to dump a bunch of money into the offset account. And But then it's tax yeah. deductible. That If it's an investment property, it's tax deductible for yeah. you as well. Sorry.","start_word":6009,"end_word":6044,"intents":[{"intent":"Explain investment process","confidence_score":0.008426818}]},{"text":"So kind of talking about your superannuation. Do you have access to your emails at the moment, Alan, or not really? I can. Yeah.","start_word":6526,"end_word":6549,"intents":[{"intent":"Discuss superannuation and software changes","confidence_score":0.0051499666}]},{"text":"It's just a bit of an updated version. So I'll let you have a read over that.","start_word":6756,"end_word":6772,"intents":[{"intent":"Update information","confidence_score":0.01959831}]},{"text":"Otherwise, if you wanna open that, it's super insurance summary for me.","start_word":6815,"end_word":6826,"intents":[{"intent":"Create super insurance summary","confidence_score":0.00052074314}]},{"text":"Now that shows you kind of your current situation. So you'll have 24 accounts. You do have about $261,711 in there. And then underneath that, you have your insurances. So with New. your insurances, you have them with Pell. You have a life and TPD of $593,745. Now Yep.","start_word":6835,"end_word":6883,"intents":[{"intent":"Understand current situation","confidence_score":0.015704647}]},{"text":"your insurances, you have them with Pell. You have a life and TPD of $593,745. Now Yep.","start_word":6867,"end_word":6883,"intents":[{"intent":"Discuss insurance requirements","confidence_score":0.00024407479},{"intent":"Explain insurance benefits","confidence_score":0.0031967151},{"intent":"Provide information about insurance coverage","confidence_score":0.0035030674}]},{"text":"Now if something were to happen to you, would you be comfortable with the level of cover you have at the moment? Like, do you think that would meet your like, what you Yeah. need?","start_word":6993,"end_word":7027,"intents":[{"intent":"Understand level of cover","confidence_score":0.00031744462}]},{"text":"Just confirming that's Yep. still the case.","start_word":7143,"end_word":7149,"intents":[{"intent":"Confirm understanding","confidence_score":0.07393537}]},{"text":"If you wanna open this one for Yep. me. Now this one here shows you an overview of your portfolio. So this is kind of a little bit more in-depth in regards to your portfolio. It can look a little bit messy, but because you are pretty across investments, it probably makes more sense to you, which is great. Yes.","start_word":7173,"end_word":7232,"intents":[{"intent":"Discuss hedge fund","confidence_score":0.00039706036}]},{"text":"Now this one here shows you an overview of your portfolio. So this is kind of a little bit more in-depth in regards to your portfolio. It can look a little bit messy, but because you are pretty across investments, it probably makes more sense to you, which is great. Yes.","start_word":7182,"end_word":7232,"intents":[{"intent":"Share portfolio overview","confidence_score":0.04338663},{"intent":"Discuss portfolio performance","confidence_score":0.10473448}]},{"text":"Essentially, you have, obviously, all your individual investments, how they have performed, and where they're sitting at at the moment in a twelve Mhmm. month period. Now Yep.","start_word":7234,"end_word":7261,"intents":[{"intent":"Discuss individual investments","confidence_score":0.0029856164}]},{"text":"when we look at that as well and when we look at the one that says hack, so the beta shares global cybersecurity, That one is a bit more it's one of your satellite investments, so the goal is to try to maximize growth.","start_word":7404,"end_word":7447,"intents":[{"intent":"Discuss cybersecurity investment","confidence_score":0.012470367}]},{"text":"Do you are you quite familiar with, like, the difference between managed funds and ETFs and direct shares and stuff like that?","start_word":7523,"end_word":7544,"intents":[{"intent":"Discuss etfs options","confidence_score":0.00001911228}]},{"text":"They outperformed, and they were doing really well.","start_word":7937,"end_word":7944,"intents":[{"intent":"Evaluate performance","confidence_score":0.055070132}]},{"text":"So we've done quite a lot of in-depth research recently in Bennelong, and we are looking at potentially swapping that one out.","start_word":7964,"end_word":7985,"intents":[{"intent":"Swap portfolio","confidence_score":0.08081248}]},{"text":"So if you are happy for me to do so as part of, obviously, when I am reviewing your your high growth portfolio as well as, you know, the contributions and everything like that, I would like to look at a potential option to swap that out for you to make sure that we always have you in the best position and that we can obviously improve the returns and performance and everything like that.","start_word":8047,"end_word":8121,"intents":[{"intent":"Review portfolio","confidence_score":0.73814327},{"intent":"Review portfolio","confidence_score":0.23916009},{"intent":"Improve returns","confidence_score":0.43989742}]},{"text":"So that's also why your portfolio is structured with the diversification so they kind of work and negating each other where it's, like, some areas might do really well, other Yep. ones not, and they kind of obviously work in that tandem.","start_word":8188,"end_word":8229,"intents":[{"intent":"Explain portfolio structure and structure","confidence_score":0.009984474}]},{"text":"I am not.","start_word":8364,"end_word":8366,"intents":[{"intent":"Confirm understanding of sma","confidence_score":0.0013865929}]},{"text":"With the SMA, how it works is you just invest kind of in a portfolio. So think similar to to Benelon in a way, but, obviously, different where you are just invested in one investment option. You don't actually see fully all the individual investment.","start_word":8515,"end_word":8559,"intents":[{"intent":"Mention investment options","confidence_score":0.00014068765}]},{"text":"Some people think it's it's fantastic, and some people prefer the other way. And, also, Yeah.","start_word":9097,"end_word":9112,"intents":[{"intent":"Determine investment preferences","confidence_score":0.006261981}]},{"text":"Now if that turns out to be the estimate, the SOA has a lot more information in regards to the SMA as well that we can go through. And what I can also do is when I send you the email with the stuff we have what kind of discussed already, I could include some brochures in regards to the estimate so that you can also read up a little bit about it if you would like. But Mhmm.","start_word":9366,"end_word":9444,"intents":[{"intent":"Present information","confidence_score":0.0269397}]},{"text":"And what I can also do is when I send you the email with the stuff we have what kind of discussed already, I could include some brochures in regards to the estimate so that you can also read up a little bit about it if you would like. But Mhmm.","start_word":9394,"end_word":9444,"intents":[{"intent":"Include brochures","confidence_score":0.012109925}]},{"text":"So, basically, from here is, take a moment and have a read through the document. Any questions, let me know. If not, if you're comfortable Yep. to do so, we'll just need you to sign those documents. That will come through on our end, and I'll let the team know to process that. Yeah.","start_word":9907,"end_word":9960,"intents":[{"intent":"Process documents","confidence_score":0.049607024}]},{"text":"I will tentatively pencil in that you said the twelfth for for your wife. But, again, obviously, just confirm what works. And, otherwise, I hope you have a lovely holiday, and I look forward to speaking with both Yeah.","start_word":10181,"end_word":10219,"intents":[{"intent":"Confirm arrangements","confidence_score":0.006943056}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon. This Alan is Alan speaking. speaking. Good afternoon, Alan. It's Veronica from Financial. How are you? Alright.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.17912869155406952},{"text":"I'm going well. That's good. I had you booked in to go over your annual review.","start_word":20,"end_word":35,"sentiment":"positive","sentiment_score":0.49777641892433167},{"text":"Is now still a good time for you? Yeah.","start_word":36,"end_word":44,"sentiment":"neutral","sentiment_score":0.27818018198013306},{"text":"That's good.","start_word":45,"end_word":46,"sentiment":"positive","sentiment_score":0.39563488960266113},{"text":"Yep.","start_word":47,"end_word":47,"sentiment":"neutral","sentiment_score":0.2821197509765625},{"text":"Perfect.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.4058908820152282},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yeah. That's fine. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yeah. My full name is Alan. My oops. Okay. Sorry. I just got a weird notification. Sorry. Yes. No. Alan That's okay. Ethan Oi. Yeah. And in fact, it's funny because my my phone just flagged you as a scam. Well, I'm pretty sure you're Yep. not. No. No. I'm not. Anyway yeah. So yeah. Yep. Address is 1 Longbourn Avenue, Notting Hill, and my date of birth is the 11/01/1988.","start_word":49,"end_word":178,"sentiment":"neutral","sentiment_score":-0.03076227195560932},{"text":"Great. Perfect. That's exactly what I have here.","start_word":179,"end_word":186,"sentiment":"positive","sentiment_score":0.4062434434890747},{"text":"And how's your morning been? Been busy? Yeah. Busy. I got leave coming up on Friday, and so rushing to get everything kinda done and turned it off, obviously. Yeah. So, yeah, You you a guys little bit going hectic. somewhere or just having some time off? Now overseas. Yeah. I'm heading Yeah. to Taiwan, so that should be pretty good. Oh, beautiful. How long are you going for? I mean, couple weeks, that sort of Oh, thing. nice. Yeah. Yeah. That's yeah. Beautiful. Well, I will try not to keep you for too long today. Yeah. That's alright. But before I kind of jump into the under review, I do like to start by asking if there is anything specific that you are hoping to get out of the review or any areas you would like me to focus a little bit more on or just a bit of a catch up? Yeah. No.","start_word":187,"end_word":341,"sentiment":"neutral","sentiment_score":0.007224148139357567},{"text":"So the catch up is good overall.","start_word":342,"end_word":348,"sentiment":"positive","sentiment_score":0.6361871957778931},{"text":"Yep. I'm I'm Yep. interested to know how my like, I do have access to my super. I can sort of see that. I'm interested to know how, obviously, you know, the events of recent you know, Yep. in the recent months have have affected everything. Yep. Also, what the plan is, sort of general Mhmm. plan is going forward in Yep. terms of how to handle those the Yep. current situation. Yep. But also, I'm interested to I asked for sort of end up being bad as well. I did ask for a plan to see how to, what's it, make use of my my previous contributions that I hadn't in previous tax returns. And Oh, I yes. can't quite remember what I was up to with that, but also with my my wife as well. I'm Yeah. looking to contribute into our super as well. So I think these are the vague areas The that main I thing. wanted to touch on. Yeah. Yeah.","start_word":349,"end_word":514,"sentiment":"neutral","sentiment_score":-0.021710986271500587},{"text":"Great. Perfect.","start_word":515,"end_word":516,"sentiment":"positive","sentiment_score":0.5433355569839478},{"text":"Now I'll make a little note of that. And then before we kind of jump in through more in-depth about your superannuation, the last twelve months contributions, and stuff like that, I do wanna quickly just run through a bit of an updated fact find with you just to make sure I have all the up to date information, and Mhmm. then we can incorporate all of Yep. that if we do need to make any changes through any of the advice and stuff like that. So bear with me as I kind of go through these questions. And now when it comes to your personal situation, I have you here as married. Still the case? Mhmm. Yep. Yep. Do you have any financial dependents? No. No. Now I don't have a next of kin on file. So in the event that I can't contact you, who would you like to nominate? My wife, I guess. Yep. Yep. Perfect. Yep. And just their name, please? Yes. It's Quyen. That's q u y e n. Yep. And then do you need a middle name as well, like a full name? No.","start_word":517,"end_word":706,"sentiment":"neutral","sentiment_score":0.057599995334289576},{"text":"Just first and last is perfect.","start_word":707,"end_word":712,"sentiment":"positive","sentiment_score":0.4046046435832978},{"text":"Okay. Yep. And last name is Ho, h o. Eight o perfect. Best contact number? Yep. 0400, Zero zero. Yep. 99, Double nine. Yep. 3041. 41.","start_word":713,"end_word":738,"sentiment":"neutral","sentiment_score":0.08116662502288818},{"text":"Great. Perfect. Thank you Yep. so much for that.","start_word":739,"end_word":747,"sentiment":"positive","sentiment_score":0.5952710509300232},{"text":"Employment wise, has anything changed in the last twelve months or still you know, working as an engineer full time? Yep. Still Yep. the same.","start_word":748,"end_word":772,"sentiment":"neutral","sentiment_score":0.10690286010503768},{"text":"Perfect.","start_word":773,"end_word":773,"sentiment":"positive","sentiment_score":0.33513402938842773},{"text":"Company and everything like that as well. Yep. Same company. Yep. Perfect. Now I do have you here as income of around 220,000. Is that the case? That's my base salary, I guess. Okay. And then do you get a new year on top of that? Yes. So one second. Yeah. Sure. Just waiting for things to load. Sorry. Yep. No. That's alright. Yeah. So it's it's a free, like, portion salary, I guess, because Mhmm. it's a comp is composed of a base salary plus bonus plus stock compensation. Yep. Perfect. So right now, my base salary is $2.32. True 32. Yep. Yep. The bonus target is about $46 for this year. Perfect. 46. And then stocks is one of those things that fluctuates quite And a lot. mhmm. Yeah. Yep. Obviously, it's like taken a real hit this year, unfortunately. Yes. Been a bit of bit So, of fluctuations the last twelve months. yeah, it's been a bit crap. Like, I think at at one point, it was, you know, the the estimated for for the year was, like, around, like, over 300 for just my stock component, and right now, it's about 75,000. So, Yeah. yeah, it's fluctuated quite a bit. So I think probably this year, my total earnings will probably be around the $3.53 80 mark, somewhere Yep. in there. Alright. Perfect. Now with the different splits so, obviously, when it comes to contributions, that that is very important. So do you know if you get contributions paid on your bonus? Yes. My bonus would be just income. I'm pretty Yes. sure. And so Yes. that would go through all and I'm pretty sure that comes lines in my bank account post tax and post Yes.","start_word":774,"end_word":1064,"sentiment":"neutral","sentiment_score":0.009104637371510576},{"text":"super stuff.","start_word":1065,"end_word":1066,"sentiment":"positive","sentiment_score":0.5847233533859253},{"text":"Yes. And most of the time, that is the case. Like, it can vary a little bit, but most of the time, people get contributions on top of their bonus. Over time, no. So if you think you do get contributions on the bonus, that is typically what most employers will do. So if I just look at your bonus and your base, that's about 278. Now do you know they just pay you the standard 12% contribution? Yep. Yes. It's Yep. just whatever the there yeah. It's Half. an Australian The minimum. company. And so, yeah, it's just a minimum. Yep. Yep. Now that takes you over the concessional contribution cap. Mhmm. So, basically, do you know if your employer goes over the cap or not? So from the employer's point of view, legally, you only have to pay up to 30,000. If your income is higher, you don't have to pay more. Some employers still pay on the full amount, so irrespective of how much you got over the cap. It will mean a little bit different from a tax point of view, but they still pay it. Some employers stop at 30,000. Do you know what your employer does? I do not know. Sorry. No. No. No. That's Not okay. off the top of my head. Yeah. I I can might find take out, your though. yeah. If you could, just especially if we're looking at doing some advice and stuff for you, it is important because that changes Mhmm. the numbers and stuff. So if you could find out for me, that would be great. Mhmm. Yep. So, yeah, basically, Is there some way that sorry. Because I know I'm I I have a terrible memory. Is there some way Do you want that me to send you an email about it and you yes, can just please. yeah.","start_word":1067,"end_word":1379,"sentiment":"neutral","sentiment_score":0.054731596261262894},{"text":"So That would be great.","start_word":1380,"end_word":1384,"sentiment":"positive","sentiment_score":0.4452229142189026},{"text":"that is okay.","start_word":1385,"end_word":1387,"sentiment":"neutral","sentiment_score":0.2400873750448227},{"text":"I can definitely do that. Perfect.","start_word":1388,"end_word":1393,"sentiment":"positive","sentiment_score":0.8084161877632141},{"text":"Sorry. Aside from over the employer contributions, I know that you spoke to my colleague, Dana, last year and went through some advice and at the time looking at establishing a salary sacrifice arrangement. Yep. Did you end up doing some of that? Because that obviously would take you even further above the the cap space. So I believe I did I I think, actually, from what I recall, I did, Mhmm. but Yep. I think my company asked me how much total I want Yep. to contribute. Yep. I have to double check. And I think Okay. if that's the case, then I think the aim was to set it to be an amount that was maybe needs to be updated now. Has it gone up to Yes. 30,000? Is that the cap? It's 30. Yes. 30 Yeah. Okay. thousand. So I think at the Yeah. time, I was anticipating it would be something like $27,500 or something like that, somewhere around that mark. So I might need to update Yes. it, and I can check Yes. all this. I I just haven't, you know, I haven't done Yes. that. Yeah. Because the way with, obviously, like, salary sacrifice or if you're wanting to do extra contributions, there are obviously different ways you can do it. Now you mentioned as well that you wanted to potentially utilize some unused cap space in previous years. Is that basic because you would like to boost your superannuation, or what kind of, I guess, reasoning for that? So what I recall, and I have to dig up the email, but maybe you have the analysis from Dana there, Mhmm. was that there was some potential to go back and and because I I I haven't been contributing to my super Mhmm. the whole time I've been employed. And Yep. I think there Yep. was the way it was explained to me was that there was some opportunity for us to to sort of leverage some of the missed opportunity back Yes. in previous financial years in order to contribute maybe more Yes. to, like yeah. That is correct. Yes. Sorry.","start_word":1394,"end_word":1751,"sentiment":"neutral","sentiment_score":-0.004906699527055025},{"text":"You definitely can do that.","start_word":1752,"end_word":1756,"sentiment":"positive","sentiment_score":0.38816866278648376},{"text":"Mhmm.","start_word":1757,"end_word":1757,"sentiment":"neutral","sentiment_score":0.06736379116773605},{"text":"Why you would do it is more so like, you definitely can do it.","start_word":1758,"end_word":1771,"sentiment":"positive","sentiment_score":0.5225769281387329},{"text":"And if I guess depends on where your other goals are. So often people will be like, okay. Well, I want to use unused cap space. And sometimes it's if you've sold an investment property, you wanna bring down, you know, CGT by making contributions into super and stuff like that. That's sometimes why we do those strategies. Other times, it's just because you have excess cash flow and you would like to put it into super so that you obviously compound and have more by the time you retire. So I guess the the reason for why you want to do it, you definitely can if you have unused cap space. Is Right. there any particular reasoning why you would like to do it, or is it just that you guys have, you know, enough cash put aside that you would like to utilize some of it in a tax effective manner by still boosting your super essentially? Yeah. I think the latter. I Yep. think, Your for letter. me, Yep. like, I'm in a financial position where, I Yep. don't really need like, I don't Yep. have a well, I do have a mortgage, but it's it's all paid Yep. off, basically. Yep. And Yep. I'm Yep. just really kinda focused on, I guess, the future. Yep.","start_word":1772,"end_word":1990,"sentiment":"neutral","sentiment_score":0.15007106959819794},{"text":"So I want to be, yeah, doing things in kind of as effective as a matter as possible.","start_word":1991,"end_word":2008,"sentiment":"positive","sentiment_score":0.3826703131198883},{"text":"Yep. Yep.","start_word":2009,"end_word":2010,"sentiment":"neutral","sentiment_score":0.24457596242427823},{"text":"Perfect.","start_word":2011,"end_word":2011,"sentiment":"positive","sentiment_score":0.5619299411773682},{"text":"So what I might get you to do as well, just so I can then run the numbers and stuff like that for you, is to find your unused cap space, you can do you have access to myGov? I Yeah. I thought I think I might have already kinda done this. I Alright. vaguely recall jumping Perfect. into myGov for this for Dana at the time. Mhmm. I can Mhmm. pick up the email and shoot I'm sure I probably have it somewhere. But, yeah, Yeah. I think I've I've sort of pulled these. I have very wet memories of pulling these documents at some Okay. point. So because, obviously, it could obviously change with if you did go over the cap last financial year. Because when you spoke to Dana, Mhmm. it was in July. So it would be in this financial year depending on when when you guys did everything. But what I might get in the email when it comes to the contributions, I will just put again, just in case you can't find the email for the information, steps on how to just find it on myGov.","start_word":2012,"end_word":2203,"sentiment":"neutral","sentiment_score":0.07519873743876815},{"text":"It's very easy on the app.","start_word":2204,"end_word":2209,"sentiment":"positive","sentiment_score":0.6611301898956299},{"text":"And if you take a screenshot of your unused cap space and forward that to me, then I can use that as and to see Yep. as well how much we can utilize. Now if do you would you like to utilize all of the cap space, or do you have a certain amount that you would be like, oh, okay.","start_word":2210,"end_word":2270,"sentiment":"neutral","sentiment_score":0.26347997784614563},{"text":"Well, if there's, you know, 10,000 unused, then I'm happy to use that.","start_word":2271,"end_word":2283,"sentiment":"positive","sentiment_score":0.4063774347305298},{"text":"Like, do you have a figure amount of how much you would want to put in, or would you just wanna maximize it? I guess I don't really know fully Okay. the, like, consequences How of much? Mhmm. maximizing it or not maximizing it. Yep. Yep. My initial So thought base is that I yeah. don't really have a reason not to maximize it, Yep. so I probably would. Yep. But Yeah. but Well yeah.","start_word":2284,"end_word":2358,"sentiment":"neutral","sentiment_score":-0.010108386166393757},{"text":"well, basically, it's like the the downside with doing it is that you don't have access to that money anymore.","start_word":2359,"end_word":2378,"sentiment":"negative","sentiment_score":-0.34614965319633484},{"text":"So by putting a big lump Yep. sum into superannuation, it's locked in onto your immediate condition of relief. So Right. for example, Yep. turning 60 and retiring.","start_word":2379,"end_word":2406,"sentiment":"neutral","sentiment_score":-0.15546999871730804},{"text":"That is the biggest downside is you don't have access to those money anymore.","start_word":2407,"end_word":2420,"sentiment":"negative","sentiment_score":-0.4562714993953705},{"text":"And if you need it for any particular reason, Yep.","start_word":2421,"end_word":2430,"sentiment":"neutral","sentiment_score":-0.21423892676830292},{"text":"you might not get access to it.","start_word":2431,"end_word":2437,"sentiment":"negative","sentiment_score":-0.3699537515640259},{"text":"So that is the Alright. biggest Yeah. kind Okay. of flag for people. Aside from that is the more you put in because it is in a in a tax effective environment. So contributions Mhmm. going into the if you are under cap space or using unused cap space from previous years, it's only Yep. taxed at 15%. Now, obviously, with your income being quite high, you will be taxed a lot. So you can then utilize that difference in the tax brackets to get a little Yeah. bit back by putting more interest super.","start_word":2438,"end_word":2532,"sentiment":"neutral","sentiment_score":0.0836226673502671},{"text":"So it is a very tax effective way.","start_word":2533,"end_word":2540,"sentiment":"positive","sentiment_score":0.4161339402198791},{"text":"But, obviously, Yeah. aside Mhmm. from that, the benefit is you will have more interest superannuation as well, Yeah. which will obviously compound and invest. So if you obviously have to pay yes. Sorry, Alan. You go. No. I was gonna say all of that sounds aligned with what I I I want. So I Yeah. I think Okay. it'd totally be that I would maximize it. I I don't really yeah. Yep. I'm not in a position where I need access to that money Yep. anytime soon, and I'm Great. hoping I don't go anywhere between now and Yeah. Yeah. Perfect. Alright. So what I'll do is, obviously, after the call today, when we've kind of I'll put together a new recommendation Yeah. for you. Mhmm. I will send you an email with the documents that I need just to finalize all of that. Obviously, take your time and send that back. And Mhmm. part of it is actually putting in the new statement of advice. And it'll go through in detail, you know, all the advantages and everything. We've kind of touched on the most ones of what it will look like, how much tax saving, and how we will do to your suit. Yep. Yeah. And that would give us a clearer picture. Now you also mentioned your wife. Mhmm. So has she what's her situate situation like at the moment? So she's not employed at the moment. Mhmm. So, yeah, she's just yeah. She has no, Yep. like, serious amounts of, like, income. A bit here and there, she has used some hobbies, like, things on the side, Mhmm. like, other pursuits Mhmm. on the side, but nothing that's, like, you know, nothing that even comes close to, like, a sort of full time salary. Yeah. Yep. Yeah. Do you know because there are different ways you can put contributions into superannuation. Now, typically, what I would like to do as well is if we are looking to do anything in regards to her superannuation, I would like to do a bit more of kind of in-depth research in her situation as well. Because if I say to you, okay. Will you put x amount into her superannuation? If I don't have a full, you know, picture and research on her account, then that might impact her. Yep. So typically speaking, we would look to see if she would be interested in coming on board as a client depending on Mhmm. how much she would like to to do. Would that be something she would be always been through exploring, like, doing some research and stuff, or what's her kind of situation like? Or is it literally I just think superannuation? she's I think it's the super. That's the Yeah. main thing. I'm not sure if she's I don't think she's opposed to the idea of coming Mhmm. on board, Yep. but I'm not well, maybe it's a conversation that you can have with Yes. her instead. Definitely. Yep. Yeah. Because I'm not sure if go ahead. Maybe I'm putting words in in your mouth, but I'm not sure if it's if it's, like, exactly what she she kinda do given that she is Yep. unemployed. Yep. You know? Yes. So yeah. And does she have any, like, intention going back full time? Or No. Not really. So no. yeah. No. That's okay. Do you know roughly how much she would have in super by any chance? Like, a rough estimate? I don't know. Like, I'm $1.80 sort of max, somewhere around there. I think that's Okay. a rough estimate. It's somewhere between Okay. $1. 50 to 200 One fifty. max. Yep.","start_word":2541,"end_word":3155,"sentiment":"neutral","sentiment_score":0.004263863730721357},{"text":"Okay. Perfect. Yeah. That's good.","start_word":3156,"end_word":3160,"sentiment":"positive","sentiment_score":0.652595043182373},{"text":"Now my what I might do is just to get a bit more in-depth research on her situation. Now if it is that we just look at exploring everything in regards to Mhmm. her superannuation, we can definitely just do that. And, again, it's it's a free review where we can review her situation where things Yep. are at. Now if it then is that we can't help her anymore, at least I have the research so then I can look at, okay. Well, if we do contributions for you, how will that impact her? Yeah. So Makes sense. it it is a little bit of a process, but then that that way, we can get the best outcome for both of you. Because Mhmm. when it comes through the spousal contributions, there is two different ways you can do it. Now I'm not sure if you kinda went through that with Dana, but you have spousal contribution, which is where you, the partner, would contribute directly into your spouse's account. Now that is kind of after tax money. But, Yep. basically, how that works is that you can get a or she could get a tax offset of up to $540 if she earns the lowest threshold. So I know you said she'll get some income here and there, so that's very really good for me to kind of get more understanding because if she's above the threshold, then I wouldn't even explore that option. Yep. Otherwise, contribution splitting is where you utilize some of your contribution and give that to her. So you don't put more in, but you utilize some of your contribution. So whether that be salary sacrifice or your employer contribution, and then put that into her. So there's Yep. a I bit see. of different ways I can do it, but to Yep. make sure that we do it in the most tax effective way, especially if you do have a little bit of leeway with you Is can make extra contributions if that will give her more at the end of it. this? I think kind of exploring, doing research for her anyway and seeing what her goals are as well would be Mhmm.","start_word":3161,"end_word":3531,"sentiment":"neutral","sentiment_score":0.11303668680056086},{"text":"very beneficial for both of you.","start_word":3532,"end_word":3537,"sentiment":"positive","sentiment_score":0.7306481003761292},{"text":"Yep. Makes sense. Now when would she and you're more than welcome to be on the call if you would like or, obviously, if you please say it, that's fine. Yep. When would she be open through a a phone call to kind of go through that? Or would you like It to will well, it'll probably have to be mhmm. sometime next month as we are getting Yep. on leave pretty soon. Yes. That's okay. What you can even do, if you would like, is I'll send you an email with the documents that I need, and we So can yeah. definitely especially with you going away on holiday, I understand that this might not be a priority right now. You Mhmm. you respond to me with the documents when you have a moment. And then also in that email, if you wanna respond when she would be available, once you kind of Yep. sorted out time frames, then I can kind of tee that up with the team, and then we can do kind of everything together. And I can potentially even do, like, a joint strategy for both of you where we go through everything together. Yes. Yeah. Yeah.","start_word":3538,"end_word":3739,"sentiment":"neutral","sentiment_score":0.15477074682712555},{"text":"Would Sounds that good.","start_word":3740,"end_word":3743,"sentiment":"positive","sentiment_score":0.3374422490596771},{"text":"does that sound that yep. Yeah. It does it does sound yeah.","start_word":3744,"end_word":3755,"sentiment":"neutral","sentiment_score":0.24946287274360657},{"text":"It sounds good.","start_word":3756,"end_word":3758,"sentiment":"positive","sentiment_score":0.4286293387413025},{"text":"Yep. It will probably be, like, it'll probably be a Tuesday, and I'll Yep. I would probably say, like, at a tentative date just to Yep. give you an idea, but we'll Yep. confirm the emails later. Like, maybe the Mhmm. May 12 or Twelve something seventy. Okay. like Perfect. that. I will Yeah. kind of pencil that in a little bit with the team, Yep. and then, yeah, confirm with her as well when what time is that day works, and we Yep. can kind of, you know, touch base and Yeah. see all of that. Yep. Now if it is that I look at contribution splitting, that obviously will impact your superannuation as well. On a joint kind of goals for you, the reason why you want to do it is to kind of help her as well, and you understand that that might mean that as a result, you will have a little bit less in your superannuation? Yeah. Yep. Makes sense. Yep. Yep.","start_word":3759,"end_word":3925,"sentiment":"neutral","sentiment_score":0.09922593913437008},{"text":"Perfect.","start_word":3926,"end_word":3926,"sentiment":"positive","sentiment_score":0.4857420921325683},{"text":"Do you have any max amounts that you would want to give to her or anything like that, or is it just whatever is going through help both of you? I haven't decided. Like, we Nope. haven't really decided that. Nope. Yeah. That's So okay. there's none of that sort of it even, like, the start of a decision there hasn't Yeah. really been made. No worries. That's it. And it is a lot, and it can be quite quite convoluted as well the more you go down it. Even have a think about it, and, again, I can pop it in the email. Yes, Obviously, please. have a think about it, and I will still run the numbers anyway to make sure it makes sense. Yep. But as a bit of a guide because you can do up to 85%. But that might not mean that we want to do everything because, again, that will obviously impact you whether if there is an amount that you go, okay. Well, I would be open to doing 10 or 15 or whatever it is if that math works out. Then at least that gives me a bit of an indication of how to Yeah. do it Yeah. Makes if sense. that makes sense. Alright. Perfect. Now while we are kind of talking about this, let me see if there was anything else. No. Okay. Yep. That was everything with the contribution wise. Assets and liabilities. So I have here your property was lost side at about 1,000,000. Yes. So it would probably be still around that amount. Yep. About that. Perfect. Now I do have here that you had 448 on the mortgage, but in the offset, there was 443. Yep. That sounds about right. That sounds about right? I could confirm these later on as well Yeah. in in the email. Yeah. Yeah. Yeah.","start_word":3927,"end_word":4240,"sentiment":"neutral","sentiment_score":0.02274476923048496},{"text":"That would be good. Perfect.","start_word":4241,"end_word":4245,"sentiment":"positive","sentiment_score":0.4612776339054108},{"text":"Now, otherwise, I have here investment portfolio around 54,000. I think that has changed quite a bit. Yeah? I think last time I checked, it was around the $1.90 mark. Oh, wow.","start_word":4246,"end_word":4277,"sentiment":"neutral","sentiment_score":0.018093014135956764},{"text":"Perfect.","start_word":4278,"end_word":4278,"sentiment":"positive","sentiment_score":0.34886693954467773},{"text":"$1.90. Yeah. I I can check, but I'm pretty sure it was around that. I want it.","start_word":4279,"end_word":4295,"sentiment":"neutral","sentiment_score":0.1597486287355423},{"text":"Perfect. I can always send you this in the email as well, and you can just confirm the figure.","start_word":4296,"end_word":4314,"sentiment":"positive","sentiment_score":0.3640004098415375},{"text":"Yep. That's no problem. Do you also have the motor vehicle by that about fifteen? Yes. Still have Yep. that one. Perfect. Any other assets in the last twelve months? Nope. Perfect. Any other liabilities, like personal loans, credit cards, tip pay? Nope. Perfect. Now health and lifestyle wise, I have you down here as a nonsmooth gap with not really taking any, you know, medication or anything like that. Is that correct? Mhmm. Yep. Perfect. Yep. And That's now do you have private health correct. insurance? Well, yes. I do. Perfect. And that is hospital as well as extras? Or Yes. yep.","start_word":4315,"end_word":4417,"sentiment":"neutral","sentiment_score":0.09132283926010132},{"text":"Perfect. That's good.","start_word":4418,"end_word":4420,"sentiment":"positive","sentiment_score":0.48394161462783813},{"text":"Especially with your income as well. You don't wanna pay the additional medical levy by Yeah. not having hospitals, so that's great. When it comes to estate planning, do you have a will in place? No. I don't No? think I That's have okay. a will in place. Yeah. Do you have anyone who makes any financial decisions for you No. or power of attorney? Alright. Perfect. And are you politically exposed at all, involved in politics directly? No. Alright. Perfect. And are you a tax resident in any foreign jurisdiction? No. I'm not. No. Great. Perfect. Now when it kind of comes to goals and other things that you want to work on aside on what, obviously, the contributions and stuff like that, like, we've spoken about, Mhmm. Do you have any other financial or nonfinancial goals that you are working towards? Not really. Not really. I mean, No. like, not a specific goal. I mean, No. retirement, obviously, but Yeah. Not directly. Because I have not here directly. No. no. Because I have here that last time as a kind of medium term goal for three to five years was potentially looking at an investment property. Is that still Yeah. kind of on the card or not really anymore? I've kind of, like, soured on the idea a little bit, Mhmm. choosing rather choosing more to, like, just do Yes. investments Yep. in, like, as as like, not in property, basically. Yes. Yes. Just equity I'm and other not things. so fond of the idea of property investment anymore. I don't know. I Yep. might change my mind in another six months. You know? But Yeah. but right now, For I'm now, not no. I'm not No. yeah. Not really. Yeah. No. That's good. Otherwise, I had here that when you spoke to Dana, you were basically had a holiday planned in 2024. Obviously, holiday coming up soon. You were Yep. doing some bathroom renovations and, otherwise, just kind of focusing on putting more money into the savings for the share portfolio. Yeah. So I think, like, there might still be things to do with renovations Yep. around the house and whatnot. And even if they're, you know, pretty expensive, Yep. which they won't be particularly cheap, obviously, Yep. I don't I I think I'm at at a position where I could kinda not like, I don't need to work up to it, I suppose, is Yep. is my point. Yep. I think it might, you know, delay a a future investment. The thing is that I don't really have a particular financial goal apart from just, extend the welfare a little bit more and get, like, put position myself well for the time and Yep. Yep. Yep. things No. like That's perfect. yeah. No. That's still that's still really gold. And and, again, kind of with your financial situation, you are in a very good position already and, obviously, compounding and still plenty of time until retirement, you know, to tryna get close as close to that as possible. So I guess Yep. talking about retirement or, like, more so your superannuation goal is that I have that ideally, you wanna retire at the age of 60? Mhmm. Yep. And an ideal income per week of a thousand dollars per week. Do you feel like a thousand dollars would be sufficient, or do you think that you would like to draw a higher income per week Ideally. I mean, if it's like a thousand dollars by two days purchasing power Mhmm. at that Yes. point in time, then then I think that's probably fine. Okay. Like, we don't live a particularly lavish lifestyle. Yep. So I think it should be Should should we be do them?","start_word":4421,"end_word":5049,"sentiment":"neutral","sentiment_score":0.023636338838475303},{"text":"I yeah. It should be doable.","start_word":5050,"end_word":5055,"sentiment":"positive","sentiment_score":0.5111496448516846},{"text":"Yep.","start_word":5056,"end_word":5056,"sentiment":"neutral","sentiment_score":0.2912910580635071},{"text":"Okay. That's where I wanna so, like, at least I guess, as a minimum, that's what I'm aiming for.","start_word":5057,"end_word":5075,"sentiment":"positive","sentiment_score":0.4072181284427643},{"text":"And then Yes.","start_word":5076,"end_word":5078,"sentiment":"neutral","sentiment_score":0.30479690432548523},{"text":"above that, it's it's kind of bonus.","start_word":5079,"end_word":5085,"sentiment":"positive","sentiment_score":0.44473040103912354},{"text":"Right. Mhmm. Yep. And that's honestly what most people say. Again, it's kind of like you're touching. It does depends on how Yep. extravagant you want your retirement and your goals, but most people aim of around a thousand. Some go up to 2,000, again, depending on their lifestyle. So you you sit pretty much in, you know, that that average at least in terms of what you want Yep. and want that to look like.","start_word":5086,"end_word":5161,"sentiment":"neutral","sentiment_score":0.16470681130886078},{"text":"Alright. Perfect.","start_word":5162,"end_word":5163,"sentiment":"positive","sentiment_score":0.5375588536262512},{"text":"So the other thing I do quickly wanna run through with you is just an updated risk profile questionnaire. Now that Yep. kind of goes hand in hand as well with reviewing, obviously, contributions and stuff like that if we need to make any changes to your risk profile. Now some of the questions can be a bit tricky. It's all multiple choice to make it nice and easy. If it doesn't make sense, just let me know. Mhmm. Yep.","start_word":5164,"end_word":5243,"sentiment":"neutral","sentiment_score":0.1090557649731636},{"text":"Perfect.","start_word":5244,"end_word":5244,"sentiment":"positive","sentiment_score":0.4641037583351135},{"text":"Now the the first question here is in regards to inflation. So, basically, how much risk are you willing to take in order to make sure thinking about superannuation in this instance, in order to make sure that you stay on top of, obviously, the rising of prices, would you say that you are willing to accept very high risk, thinking long term, high, medium, or a small amount of risk? I'm pretty accepting of that. Like, I think maybe to my question, my answer would have changed from the last activity, but I think I am accepting of pretty high amounts of risk in order to maximize, you know, The growth? the super growth. Yeah. Yep.","start_word":5245,"end_word":5361,"sentiment":"neutral","sentiment_score":0.03206276010849282},{"text":"Perfect.","start_word":5362,"end_word":5362,"sentiment":"positive","sentiment_score":0.3398831784725189},{"text":"So would you say very high or just kind of high? Like, a bit more than moderate but high? Probably very high, I suppose. Very high. Yeah.","start_word":5363,"end_word":5389,"sentiment":"neutral","sentiment_score":0.08577660471200943},{"text":"Perfect.","start_word":5390,"end_word":5390,"sentiment":"positive","sentiment_score":0.3758721649646759},{"text":"You do have plenty of time until retirement. You're trying to utilize Yeah. the time frame. Sorry. Let me see here. Perfect. Now the next question is in regards to volatility. So kind of like you touched on a little bit as well. Obviously, things are and can fluctuate a bit with investment. Mhmm. Now if you placed an an investment and after six months, you found out that your portfolio has decreased in value by 20% due to general trends in the market. So it's not like one particular investment that's gone bad or anything like that, just the market as a whole, which, obviously, we have seen a little bit recently, bit of those fluctuations. Would you invest more money to try to take advantage of while the prices are down? Would you hold, wait to see what happens? Or would you want to sell out and shift to a more secure asset? So that means you are obviously selling when the prices have dropped. I'd probably try to invest more. Invest more? Perfect. And if you had the option to do so, would you invest heavily or just a little bit? Probably quite heavily. Quite heavily? Perfect. Now next one here is kind of in regards to fluctuations again. So if you obviously saw any of your personal investments or superannuation or anything like that drop in value, Would you say that that would make you feel optimistic about future investment opportunities, a bit more cautious, not wanting to make further investments, concerned, or highly anxious? Can you repeat the the question again? The quest yeah. Of course. So if you kind of notice any of your investments, so whether that is your personal investments or the company shares or your superannuation drop, would you say that if you notice it, you would feel, you know, optimistic about potential opportunities, what that might mean, or a bit more kind of neutral, or would you say that it would make you feel quite concerned and anxious? Probably I mean, out of those choices, probably more than just the neutral side of things. Yep. I don't know if I would respond entirely to to it, but I certainly Like, wouldn't yes. be yeah. Exactly. So No. That makes and, sense. I mean, I have exactly, like, experienced this in the last year with the Yeah. the SaaS apocalypse as well. Yep. So I'm Yeah. I'm not like like, I'm not writing blending out there to go reinvest more money in SaaS, Yep. but but Yep. I am kinda like what it is, what it is, and and Yeah. whatever. Okay. Yeah. So maybe more towards the neutral way Yeah. if you had to kind of And the last one here is, would you ever consider taking out a loan or borrow money to invest in stocks or funds? That one, I probably wouldn't. No. Would you No. ever borrow for an investment property? I know you said you're not really too keen on investment property right now, but if you wanted to go down the investment property, would you feel okay to borrow money, or would you just use, like, savings and stuff? Yeah. That's an interesting question because it reveals a bit of a hypocrisy in my initial line of thinking. Like, I would never take out a personal loan for for stock for, Yep. like, investments in the stock market, but I would probably be okay with taking out a mortgage Yep. Yep. for investment property. Yeah. And and I most suppose people are the same, honestly. yeah. I suppose in part, it's because there's an offset account, and Yep. so I Yep. can just, like, begin to dump a bunch of money into the offset account. And But then it's tax yeah. deductible. That If it's an investment property, it's tax deductible for yeah. you as well. Sorry. The the loan, you do kind of, yes, you have the loan, but it is tax deductible, the interest as well. So it is kind of that that principal as well.","start_word":5391,"end_word":6073,"sentiment":"neutral","sentiment_score":-0.0326073825833869},{"text":"Alright. Perfect. Now that tells me here, Alan, that you have come out as a high growth investor.","start_word":6074,"end_word":6091,"sentiment":"positive","sentiment_score":0.39986222982406616},{"text":"And at the moment, we have you in a growth portfolio. Do you know the difference between those two at all? No. I don't, actually. Alright. So they're both fairly similar in that you are looking at getting as much growth as you possibly can out of superannuation while you do have the time. You are kind of prepared to experience, you know, some levels of fluctuation in order to achieve that growth. Now, Yep. typically, the difference between them is that they're kind of one step from each other on the scale. So in your growth portfolio, so how you are currently invested, we typically see 80% of the money invested in your growth assets.","start_word":6092,"end_word":6207,"sentiment":"neutral","sentiment_score":0.15618033707141876},{"text":"So that will be your Australian shares, international shares, kind of property and commodities, which is what's going to kind of maximize that growth for you, and about 20% goes in their defensive investment.","start_word":6208,"end_word":6241,"sentiment":"positive","sentiment_score":0.35042819380760193},{"text":"So that will be your fixed interest, cash. Gold can kind of be a bit in between as well. Now Yep. your high growth is then 90%. So it's about a 10% difference. So Yep. 90 in growth, 10 in defensive. Obviously, Mhmm. if we're looking at long term in a high growth portfolio, typically, you see a little bit more fluctuations Yep. and volatility than your growth portfolio. But in the long term, you will, you know, see potentially higher returns. Yep. Now when we are looking at a time frame as well, so making sure you have enough time in the market to withstand those fluctuations, in a high growth portfolio, we want to allow at least eight years on your retirement, Yep. growth, Yep. six years. So you Mhmm. certainly have the time behind you to be in a high growth portfolio, but it's also Mhmm. what you are comfortable with. So Yep. do you feel like you are comfortable with the growth where you are at, or would you like to look at increasing it up through a high growth portfolio, or what are your kind of initial thoughts? Yeah. I think it makes sense for me to move on to a high growth one. High growth?","start_word":6242,"end_word":6452,"sentiment":"neutral","sentiment_score":0.15592905328172077},{"text":"Yep. Perfect. Yeah. Now, again, I will do all the research for you.","start_word":6453,"end_word":6465,"sentiment":"positive","sentiment_score":0.3963030278682709},{"text":"So I will research all of it to see if there's any, you know, capital gains associated with making this switch, what the fees and returns and everything like that would look like, presented to you, and then, obviously, you can let me know kind of how how you feel about it before doing Yep. any changes. Yep.","start_word":6466,"end_word":6523,"sentiment":"neutral","sentiment_score":0.2492569088935852},{"text":"Perfect.","start_word":6524,"end_word":6524,"sentiment":"positive","sentiment_score":0.3426606059074402},{"text":"So kind of talking about your superannuation. Do you have access to your emails at the moment, Alan, or not really? I can. Yeah. Okay.","start_word":6525,"end_word":6549,"sentiment":"neutral","sentiment_score":0.08556167036294937},{"text":"Amazing.","start_word":6550,"end_word":6550,"sentiment":"positive","sentiment_score":0.3886316418647766},{"text":"I have just sent you an email with some documents to go Yeah. through. Did Yeah. that one come through okay? I can see it. Yeah. Perfect. Now we have recently changed the software, so they might look a little bit different to what you were used to. But, essentially, Mhmm. before you click on the link where it says sign now, you should see a couple of attachments at the bottom of Oh, that yeah. email. I Can you see see them. them? Yep. Yep. Perfect. Now which one is first for you? And we can do it that way to make it easier. There's a couple of OCU ones, and then there's Yep. the first one that's labeled with the date is super insurance summary. Yep.","start_word":6551,"end_word":6678,"sentiment":"neutral","sentiment_score":0.10530877113342284},{"text":"Perfect.","start_word":6679,"end_word":6679,"sentiment":"positive","sentiment_score":0.3723804354667664},{"text":"So at the bottom two, I'll let you have a read over in your own time. It is just an Mhmm. updated financial services guide, one of those compliance documents, but it gives you all the information about the team, our advisers, our directors, everything in there for you.","start_word":6680,"end_word":6728,"sentiment":"neutral","sentiment_score":0.25998014211654663},{"text":"We've had a bit of an extension to the team, which is great, a bit of revamp in marketing.","start_word":6729,"end_word":6747,"sentiment":"positive","sentiment_score":0.5053916573524475},{"text":"So you would have seen this before. It's just a bit of an updated version. So I'll let you have a read over that. As you Yep. do, you will also see there's a photo of all the advisers, so you will see myself in there and also then Dana who you spoke to last year if you wanna put a a face to the employee. Otherwise, if you wanna open that, it's super insurance summary for me. Yep. I have that open now. Alright.","start_word":6748,"end_word":6832,"sentiment":"neutral","sentiment_score":0.08136355876922607},{"text":"Perfect.","start_word":6833,"end_word":6833,"sentiment":"positive","sentiment_score":0.5760737657546997},{"text":"Now that shows you kind of your current situation. So you'll have 24 accounts. You do have about $261,711 in there. And then underneath that, you have your insurances. So with New. your insurances, you have them with Pell. You have a life and TPD of $593,745. Now Yep. when we just look at your life and TPD, are you happy with those amounts, or what are your thoughts in regards through the insurances? Yes. They seem fine to me. Yep.","start_word":6834,"end_word":6914,"sentiment":"neutral","sentiment_score":0.1264210194349289},{"text":"Perfect.","start_word":6915,"end_word":6915,"sentiment":"positive","sentiment_score":0.4276156425476074},{"text":"Now the other one is in your income protection. So income protection is obviously if you, are temporarily unable to work and can cover you for a monthly benefit. Now your monthly benefit is 6,976. And, typically, you can have, 70% of your income covered. So because your income has increased, quite a bit from when we took out the policy, which is fantastic, it does mean that there is a little bit of a gap. Now if something were to happen to you, would you be comfortable with the level of cover you have at the moment? Like, do you think that would meet your like, what you Yeah. need? Yep. I I think Perfect. that that amount's Yep. fine. Yeah. I don't need Perfect. to increase We're that. happy to leave it as is. Yep.","start_word":6916,"end_word":7052,"sentiment":"neutral","sentiment_score":0.06205650791525841},{"text":"Perfect.","start_word":7053,"end_word":7053,"sentiment":"positive","sentiment_score":0.4152098894119262},{"text":"Now you have a thirteen week waiting period, four year benefit period.","start_word":7054,"end_word":7065,"sentiment":"neutral","sentiment_score":0.2479332685470581},{"text":"Everything comes out of superannuation.","start_word":7066,"end_word":7070,"sentiment":"positive","sentiment_score":0.3689673840999603},{"text":"Yep.","start_word":7071,"end_word":7071,"sentiment":"neutral","sentiment_score":0.2582695484161377},{"text":"And because you are pretty low risk, which is great, it's pretty cheap for you.","start_word":7072,"end_word":7086,"sentiment":"positive","sentiment_score":0.465258926153183},{"text":"So it's only about $821 per year Yep. for all those rates. Now with, obviously, insurance as well, I can see that you don't have trauma insurance. I know I think you spoke to my colleague, Dana, last year, and it because it's an out of pocket expense, it wasn't really something you're interested in. Just confirming that's Yep. still the case. Yep. Yeah.","start_word":7087,"end_word":7150,"sentiment":"neutral","sentiment_score":-0.08095716871321201},{"text":"Great.","start_word":7151,"end_word":7151,"sentiment":"positive","sentiment_score":0.4831608831882477},{"text":"Now what's the next attachment you can see there, Alan? I see the twelve months. I am 24. Yes.","start_word":7152,"end_word":7170,"sentiment":"neutral","sentiment_score":0.09328752756118774},{"text":"Perfect.","start_word":7171,"end_word":7171,"sentiment":"positive","sentiment_score":0.447584331035614},{"text":"If you wanna open this one for Yep. me. Now this one here shows you an overview of your portfolio. So this is kind of a little bit more in-depth in regards to your portfolio. It can look a little bit messy, but because you are pretty across investments, it probably makes more sense to you, which is great. Yes. Mhmm. Essentially, you have, obviously, all your individual investments, how they have performed, and where they're sitting at at the moment in a twelve Mhmm. month period. Now Yep. all the internal rate of return, that's all the net of all fees as well. So it shows you Yep. the net of everything. Now Mhmm. if you look on page two, for example, for me, you will see the total portfolio. Yep. So yep.","start_word":7172,"end_word":7305,"sentiment":"neutral","sentiment_score":0.15838445723056793},{"text":"Perfect.","start_word":7306,"end_word":7306,"sentiment":"positive","sentiment_score":0.4250584542751312},{"text":"Now if you look on the second column to the right, that tells you that overall, in the last twelve months, after fees, obviously, despite the the fluctuations we've had in the last twelve months, your portfolio Yep.","start_word":7307,"end_word":7344,"sentiment":"neutral","sentiment_score":0.21124482154846191},{"text":"has still gone up by 10.16%, which is actually Yep. really good given Yeah.","start_word":7345,"end_word":7358,"sentiment":"positive","sentiment_score":0.4289238154888153},{"text":"what's kind of going on in the market. Yep. Mhmm. Now as you scroll up, you will then see the individual investments and how they've done. So you can see here that the two in brackets are down.","start_word":7359,"end_word":7396,"sentiment":"neutral","sentiment_score":0.14987023174762726},{"text":"The others are positive.","start_word":7397,"end_word":7400,"sentiment":"positive","sentiment_score":0.33910635113716125},{"text":"Now Yep. when we look at that as well and when we look at the one that says hack, so the beta shares global cybersecurity, That one is a bit more it's one of your satellite investments, so the goal is to try to maximize growth. It can be a little bit more volatile depending on what is going on in the market, and we've obviously Yep. seen a bit of a shift with AI and Yeah. everything like that.","start_word":7401,"end_word":7480,"sentiment":"neutral","sentiment_score":0.06015287395566702},{"text":"So we still see opportunities in this space.","start_word":7481,"end_word":7488,"sentiment":"positive","sentiment_score":0.4186256229877472},{"text":"It's not something we're too concerned about, and it is it is more of like your cyclical investment. The other one, though, is the Benelon Australian equity. We've done a lot of sorry. Do you are you quite familiar with, like, the difference between managed funds and ETFs and direct shares and stuff like that? I actually thought managed funds were ETFs, so I'm confused about what you've just said there. But But no. That's I true. I'll just run it through sim very, very simplified and short for you. But, essentially, direct shares, pretty simple. You invest directly into Yep. a particular company. So let's say, obviously, BHP, you wanna invest directly in them, that's your direct share. Now let's say you wanna invest in the oil industry as a whole, but not into one particular investment. So this is where your ETF or exchange traded fund comes in very handy. How Yep. the ETFs work is that they basically track an index. Now you Mhmm. have different ones. So for example, your IVV, iShares S and P 500. The way that this one works, which you may have heard of, basically just tracks the 500 largest companies in The US. So as a company Yep. gets bigger, gets into that 500, it gets added to the investment, a smaller company comes out. Mhmm. So you don't need as much of that kind of active management because you are following a particular index or trend or whatever it might be for those investments. So these are Yep. manager. Yep. So your managed funds are a little bit different in that you have a fund manager who actively buys and sells different investments in order to try to outperform the market. Now Right. depending on who the fund manager is, they would have different styles of investments that they're focusing on, and depending on which one it is, there's different targets and stuff like that. They tend to have a bit smaller, I guess, companies in the portfolio, but it does depend on on which one. And it is more of the active buying and selling individual shares that they think are going to be good for different metrics. So it Yeah. works Okay. a little bit differently. Does that make sense? Yeah. It does. Yeah. Yeah.","start_word":7489,"end_word":7875,"sentiment":"neutral","sentiment_score":0.05957083840125291},{"text":"Perfect.","start_word":7876,"end_word":7876,"sentiment":"positive","sentiment_score":0.508562445640564},{"text":"So with the Benelon Australian Equities, that is one of your managed fund, and that's the one that is down at the moment. Now when that was added to your portfolio, when you came on board and up until quite recently, they've done really well.","start_word":7877,"end_word":7921,"sentiment":"neutral","sentiment_score":0.13082602620124817},{"text":"They were one of the best performing one, and they Yeah. did exactly that. They outperformed, and they were doing really well.","start_word":7922,"end_word":7943,"sentiment":"positive","sentiment_score":0.4886716604232788},{"text":"That's not to say it's always going to be the case, especially at different trends and stuff do change. So we've done quite a lot of in-depth research recently in Bennelong, and we are looking at potentially swapping that one out. The reason is that if they are underperforming a little bit now and they have been a little bit slower in actually making those choices and some of their conviction haven't actually played out, there there might not be a reason to keep it in the portfolio if we can swap it for something that's going to do better for you.","start_word":7944,"end_word":8045,"sentiment":"neutral","sentiment_score":-0.03728086501359939},{"text":"So if you are happy for me to do so as part of, obviously, when I am reviewing your your high growth portfolio as well as, you know, the contributions and everything like that, I would like to look at a potential option to swap that out for you to make sure that we always have you in the best position and that we can obviously improve the returns and performance and everything like that.","start_word":8046,"end_word":8120,"sentiment":"positive","sentiment_score":0.3656676113605499},{"text":"Are you happy Yeah. for me to kind of do a bit more in-depth in regards to that? Yeah. For sure. Like Yeah. yeah.","start_word":8121,"end_word":8144,"sentiment":"neutral","sentiment_score":0.08183499425649643},{"text":"Great. Perfect.","start_word":8145,"end_word":8146,"sentiment":"positive","sentiment_score":0.44552451372146606},{"text":"And even though you have been along in the portfolio, like we said, we have kind of underperformed, All your Mhmm.","start_word":8147,"end_word":8167,"sentiment":"neutral","sentiment_score":0.10742108523845673},{"text":"other investments have done done well. You can even see the beta shares agriculture that's up by 42%.","start_word":8168,"end_word":8185,"sentiment":"positive","sentiment_score":0.37845632433891296},{"text":"So that's also why your portfolio is structured with the diversification so they kind of work and negating each other where it's, like, some areas might do really well, other Yep. ones not, and they kind of obviously work in that tandem.","start_word":8186,"end_word":8227,"sentiment":"neutral","sentiment_score":0.06361918896436691},{"text":"So despite that, you still have gone up that 10.16%, which is great.","start_word":8228,"end_word":8240,"sentiment":"positive","sentiment_score":0.5338945984840393},{"text":"Yep.","start_word":8241,"end_word":8241,"sentiment":"neutral","sentiment_score":0.3223269283771515},{"text":"Yeah. Perfect.","start_word":8242,"end_word":8243,"sentiment":"positive","sentiment_score":0.4957459270954132},{"text":"Now when we are talking about super as well, I do wanted to check. I I'm not sure do you read our newsletters every now and then or not really? do every now and then, but I don't, Yes. like, you know, actively follow it No. super That's closely. okay. Yeah. Most people are the same. So Mhmm. the reason I do ask Yes. is that in our native latest newsletter, we we put some information in regards to that we have recently teamed up with BlackRock, which you may have heard of, Mhmm. Yep. and created our own SMA, so a self managed account alongside Oh, okay. that. Yep. Is that are you familiar what an SMA is? I am not. No. So most people think of a SMSF, which is different. So not self managed super fund, a self managed account. Basically, how that works if I compare it to your current portfolio, so your current portfolio will be more your model portfolio that we'd see. Now Yep. if I want to go and make a change, so for example, we would obviously have to go and do all the research for you, put together a proposal, present it through you. You would have to agree to the change before we can make a change. Oh, I So see. you would obviously have full control of of the changes, Yep. but it also means that it is a little bit delayed sometimes because it takes a process to obviously do the research by the time where you're available, go through the changes for you to approve it. Yep. With the SMA, how it works is you just invest kind of in a portfolio. So think similar to to Benelon in a way, but, obviously, different where you are just invested in one investment option. You don't actually see fully all the individual investment. And it's how it works is that we can then easily swap and change the investment. So if, for example, we had the IHS S and P 500 in the portfolio and we foresee that it's not going to be or something's going to happen and it's not going to be the best, we can quickly make a change without you having to have the SOA Yep. and approve the change. We can do it in the back end. We can still let you know of all the changes, of course, but it just takes away that kind of compliance process, and it makes it quicker. Yep. So If that you that's similar mhmm. to what, I guess, you guys are already doing with my a share of the listed securities, right, where Yes. It's on my behalf, you're modifying my HUB24 correct. investment portfolio. But Yeah. in order for us to make a change, we would have to present it in an SOA. Okay. We can't go Yes. and change and and it like, I can't go and change an investment without Yep. doing the SOA and you approving the change. But, yes, otherwise, it's Yep. exactly the same. And the estimate are constructed of your low cost ETFs and stuff. It's just a different way. Yep.","start_word":8244,"end_word":8776,"sentiment":"neutral","sentiment_score":0.05199368915994133},{"text":"The the benefit of it as well is that we can make the changes quicker because we don't need to do the SOA process. Some Yep. people are quite happy to look at that as part of a research process to see, well, if it's going to be, you know, more competitive for me, I am comfortable with that approach.","start_word":8777,"end_word":8836,"sentiment":"positive","sentiment_score":0.4822043478488922},{"text":"Some people go, no. I want I'm I'm okay for it to take a little bit forward if we need to make a change. I would like the the SOA and to approve the change before it happens. Yeah. How do you feel? I have to think about it. But is is so would the idea be that we move that then along one to the SMA and the rest of the portfolio stays the same? Or So would it be oh, sorry. yeah. No. So everything would be in the SMA. Right. So all your investments at the moment would be so you would be in the SMA. And then in the SMA, you still have a range of different investments. Spend along Yep. is not part of it, Mhmm. but you have a range of different investments. So for your end, like, if we do an SOA, you would see that, let's say, you have you invested in the SMA called Bloom, for example. So you would just see that you're in a option. Now if we were to go and change it, when you actually go into Hub twenty four, you can still click on it, and you can still see all the underlying investments. So it's still there for you. The Yeah. the Okay. premise is that we can quickly make the changes because you Right. are not invested in that directly into each investment. You would just invest it in the portfolio. But, again, it is completely up to what you are comfortable with. Some people think it's it's fantastic, and some people prefer the other way. And, also, Yeah. even That's if it alright. is something you are comfortable with, I still have to do the research and prove it's in your best interest regardless. Yeah. It's just whether you I just are comfortable with the approach. Yeah. I'm just curious as to what I'm trying to identify what the main differences are between between the setup now and and the SMA setup. And I wasn't actually aware that you needed to provide me a SOA for the Australian listed securities. Well, Yes. to be honest, I wouldn't even aware that you had to do it for for any of them. Okay. But so right now, you wouldn't be able Mhmm. to say take out like, shift everything away from gold into something else without me approving in this. Is that Correct. right? That is correct. Okay. Yes. Yep. Right. Okay. I see. That makes sense. Alright. In which Yeah. case yeah. I'm I'm well, I mean, I'm comfortable to go ahead with the research to to Yep. see if it's if it makes sense. It feels But, good. Okay.","start_word":8837,"end_word":9292,"sentiment":"neutral","sentiment_score":0.07591311829654794},{"text":"yeah, overall, I think I I would most likely be okay with that setup. Okay.","start_word":9293,"end_word":9307,"sentiment":"positive","sentiment_score":0.4585833251476288},{"text":"What I'll do is I'll include it as part of my research. Now like I said, I need to do research on all the options out there and whichever puts you in the best position. So whether that is, you know, tax fees, performance, everything like that, I will Mhmm. make a recommendation, present it to you. Now if that turns out to be the estimate, the SOA has a lot more information in regards to the SMA as well that we can go through. And what I can also do is when I send you the email with the stuff we have what kind of discussed already, I could include some brochures in regards to the estimate so that you can also read up a little bit about it if you would like. But Mhmm. if I do the research, it might not be the best option. So it depends on your individual situation and your goals, but at least I can include it as part of the research. And if it is very competitive for you, then I can recommend it. Mhmm. Again, what I do recommend is just a suggestion at the end of the day. So if I if it turns out that it's going to put you in a better position, I know I recommend it, and we go through it and you go, you know what? I changed my mind.","start_word":9308,"end_word":9543,"sentiment":"neutral","sentiment_score":0.16271136701107025},{"text":"I don't like it.","start_word":9544,"end_word":9547,"sentiment":"negative","sentiment_score":-0.4493525624275207},{"text":"We don't have to do it. But at least I Yep. can kind of, you know, present everything through you. So I'll at least consider it in part of the research, and then we can take it from there. Yep.","start_word":9548,"end_word":9587,"sentiment":"neutral","sentiment_score":0.10618945211172104},{"text":"Perfect.","start_word":9588,"end_word":9588,"sentiment":"positive","sentiment_score":0.45510751008987427},{"text":"Now we're almost at the end because I know you have a busy day, but Yep. you will see your TAL COC. Don't need to open it now, but that's just your towel insurances. It just goes through Yep. them in a little bit more information, basically, just lets you know that's paid and up to date. And then you will have a Vanguard index chart. Now you might Yeah. be familiar with this or seen it before.","start_word":9589,"end_word":9666,"sentiment":"neutral","sentiment_score":0.16182976961135864},{"text":"It's just a good visual representation.","start_word":9667,"end_word":9672,"sentiment":"positive","sentiment_score":0.4493977725505829},{"text":"It's sometimes easier if people don't have a lot of understanding of the the market and how things do fluctuate to kind of visualize it. Yeah. The other thing or the last thing I should say is when you do, you know, click on the link. So if you are comfortable, obviously, if you, when you have a moment, want to click the link where it says sign now, it will ask you to sign through documents.","start_word":9673,"end_word":9749,"sentiment":"neutral","sentiment_score":0.16458760201931},{"text":"Now one is an ongoing service agreement, and that is just to say that you are happy to stay on as a client.","start_word":9750,"end_word":9772,"sentiment":"positive","sentiment_score":0.4916459918022156},{"text":"So no changes in regards to the ongoing advice fee. It stays exactly the same at 1.65% ongoing, but it basically just lets us service your account and everything like that. No Yep. lock in contract, though. So if at any point in time you are not happy with the service, no lock in contract. But, otherwise, this just lets Mhmm. us service everything on your end otherwise.","start_word":9773,"end_word":9840,"sentiment":"neutral","sentiment_score":0.13050667941570282},{"text":"And the last one is just a tax file number opt in form, which is just a compliance form to say that we are keeping your tax file number secure and safe on the file.","start_word":9841,"end_word":9875,"sentiment":"positive","sentiment_score":0.3389182686805725},{"text":"Yeah. Do you have any questions in regards through any of that? I know that's probably a lot. No. No. It's fine. No? It seems reasonable. Yeah.","start_word":9876,"end_word":9902,"sentiment":"neutral","sentiment_score":0.011393195018172264},{"text":"Yeah. Great. Perfect.","start_word":9903,"end_word":9905,"sentiment":"positive","sentiment_score":0.6034978032112122},{"text":"So, basically, from here is, take a moment and have a read through the document. Any questions, let me know. If not, if you're comfortable Yep. to do so, we'll just need you to sign those documents. That will come through on our end, and I'll let the team know to process that. Yeah. I will also send you that email. Now I will try to do it today, but I'm quite back to back all day, so it might be tomorrow. Yep. But I will send that as soon as I can. And then, obviously, when you guys come back from your holiday, let Yep. me know. I'll I'll have a chat to your wife as well to see how we can incorporate everything. And if it is that we're just looking at contributions, then I will obviously decide everything we've spoken about today for you or if we can incorporate it for her as well. Mhmm. Yep. Yeah.","start_word":9906,"end_word":10065,"sentiment":"neutral","sentiment_score":0.17994495457969606},{"text":"Sounds Do you good.","start_word":10066,"end_word":10069,"sentiment":"positive","sentiment_score":0.3487049639225006},{"text":"have any questions or anything like that for me at this point otherwise? Yeah. It sounds No? all good. Yep.","start_word":10070,"end_word":10089,"sentiment":"neutral","sentiment_score":0.09667226672172546},{"text":"Perfect.","start_word":10090,"end_word":10090,"sentiment":"positive","sentiment_score":0.4434439539909363},{"text":"And just for my record as well, when do you guys go on holiday and when do you come back? Just so I can let the team know not to call you guys on your way. That's If alright. there's ever Yeah. We'll be off from Thursday until until well, we'll be back on May 4. Yeah. May The fourth. Okay.","start_word":10091,"end_word":10151,"sentiment":"neutral","sentiment_score":0.03332749754190445},{"text":"Perfect.","start_word":10152,"end_word":10152,"sentiment":"positive","sentiment_score":0.34506890177726746},{"text":"I'll just note that the down. fourth. If there is anything, I will send you an email, but, obviously, you're on holiday, so so no rush. Yep. I will tentatively pencil in that you said the twelfth for for your wife. But, again, obviously, just confirm what works.","start_word":10153,"end_word":10200,"sentiment":"neutral","sentiment_score":0.12880519032478333},{"text":"And, otherwise, I hope you have a lovely holiday, and I look forward to speaking with both Yeah.","start_word":10201,"end_word":10218,"sentiment":"positive","sentiment_score":0.4752112030982971},{"text":"of you when you come back. Yeah.","start_word":10219,"end_word":10225,"sentiment":"neutral","sentiment_score":0.1875130832195282},{"text":"Thank you very much.","start_word":10226,"end_word":10229,"sentiment":"positive","sentiment_score":0.5286054611206055},{"text":"Mhmm.","start_word":10230,"end_word":10230,"sentiment":"neutral","sentiment_score":0.25389188528060913},{"text":"No problem at all. I hope you enjoy the rest of your afternoon as well. Thanks.","start_word":10231,"end_word":10246,"sentiment":"positive","sentiment_score":0.4906938076019287},{"text":"You too. Mhmm. No worries. Bye.","start_word":10247,"end_word":10252,"sentiment":"neutral","sentiment_score":0.19030308723449707},{"text":"Thanks, Alan.","start_word":10253,"end_word":10254,"sentiment":"positive","sentiment_score":0.3747518658638001},{"text":"Bye. See you. Bye.","start_word":10255,"end_word":10258,"sentiment":"neutral","sentiment_score":0.23896880447864532}],"average":{"sentiment":"neutral","sentiment_score":0.085666919707171}}}}