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Is now still a good time there for you? Fantastic. Laura, just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fantastic. And, also, just for the security there with you, I'd just like you to confirm your full name, your date of birth, and address I should have on file as well. Fantastic. And how's your day being so far? Oh, yeah. Good. Busy, but that's why we like it. Getting close to the weekend. All good, Laura. As part of the annual review, just to sort of check-in, is there anything particular you wanted to sort of touch base on or any questions that you might have that you wanted me to sort of go through with you this this afternoon? Yeah. Absolutely. Go for it. Yes. Right. Yeah. No. So we don't because we're financial advisers. We're not tax accountants. We could. However, if you like, I could find out I believe we do have an account that we could refer you through to. So I can get that information and send it to you if you like after the call, and you're welcome to touch base with them and decide whether you're comfortable proceeding with them at all. It is completely separate from us. It's just someone we know that we tend to like that do really well and look after our clients quite well. So we can provide that information to you for you to have a bit of a look at if you would like. Yeah. Not a problem. Yes. Right. Yes. Absolutely. Not a problem at all. I'll get that email straight after the call for you. He's done. No worries. Yes. Yes. Okay. Yeah. Yep. Yep. Yes. Yep. Yep. Yeah. No. Honestly, because it sounds like the other two properties that you're paying down faster are principal and interest. Is that right? Yep. Yep. That's fine. Oh, yes. Not a problem at all. Yeah. No. That's okay. No. That's absolutely fine. And so these two loans that you're paying down, you're utilizing the offsets to pay them down, or are you paying the money onto the loan fully and reducing the actual loan? Mhmm. Yep. Yep. Yep. Okay. No worries at all. Yep. Yes. That's right. Yeah. Because putting it into the loan and reducing it and closing the loan off means that you would have to go back through servicing. Whereas just putting in the offset account, you still have the loan physically open. You don't then have to go through new servicing to be able to reuse that money if you did find something else you wanted to put that towards. With the two loans that you're paying down at the moment, you've mentioned the other two that well, the other property that you then wanna pay down is interest only, and it's on a fixed term. Is that right? Yep. And these two you're paying down the ones that you're paying down at the moment, they're both on variable rates. Is that right? Yep. Okay. So you can have interest only on a variable rate or a fixed rate. But if you're paying the loans down faster and it's actually affecting the interest, you're probably gonna be on a variable rate because realistically yeah. Because fixed loans, you can't sort of pay down. They have a limit on how much extra payments you can make on a regular basis. You are definitely doing it the right way. Continue doing it the the way that you are. Essentially, by utilizing the offset, you are keeping the loan open. You don't have to go back to servicing if something happens, if you need to, or find a way to use that money again. When you get the loan paid down and fully offset, if you then decide to close the loan, you absolutely can do so. But what you can also be doing is once you get that loan fully paid down and fully offset, you can continue to put money into the offset and build that up even more so that when those other loans come off, the interest only terms and all their fixed terms, you can then put a large chunk of money over into those additional loans if you want to as well. So you are doing it the right way. I would continue doing it the exact way you are. You seem to be putting a lot of extra money in on a regular basis and offsetting those loans as much as possible. So your broker had the right idea, in my opinion, of of doing it this this way. Yeah. Yeah. Yeah. Yeah. Well, either way, so as long as that that offset account is fully offsetting or is a 100% offsetting a loan, it doesn't really matter where it's sitting. If it's sitting on the loan, it reduces the actual loan amount that you have owing. If you have it sitting in the offset account, the loan amount still says exactly what you have owing, but you are still offsetting the interest. So it the offset account does the exact same thing. It's more just the rate your ability that sort of allows you more flexibility with that. So if you use the offset account as much as possible, you can take that money back whenever you need to, whereas putting it on the loan reduces the loan amount, but then you have to kinda redraw off if you want that money back again. But both of them will offset the interest as long as the offset account set up correctly. Yeah. Yeah. Absolutely. Yeah. You're alright. You're fine. Yes. Yeah. So you're on yeah. You make a deductible contribution? Yeah. So you absolutely could. You've got one of two ways of doing it. So depending on what your overall tax outlook is looking like and this is not probably something to also talk to your accountant about. But, realistically, if your if your income is really high and you have additional cap space, making a deductible contribution is great because that does offset, say, you put 10,000 into your super fund, you can then take that 10,000 back and claim that as a tax deduction, which reduces your how your overall, you know, total gross income, accessible income, essentially, which works out really, really well. It just depends on how much you're wanting to put into your super as well. Do you know because I'm just having a look. So for yourself there, Laura, your super is the balance at the moment is $118,007.01 8. So you are eligible to use any catch up space. What you could do if you would like is you could have a look at your if you can get into your myGov account and find out what your catch up contributions are. We can have a you can find out what you've got accessible from the last five financial years that that haven't been used from the cap space, essentially. So if your employer hasn't been putting in the full 30,000 this year or last financial year or the $27.05 from previous financial years, you should have a little bit of extra cap space there. If you check your myGov account, and if you like, I can send you an email after the call which directs you how to find that information, you can see what cap space you have left for this financial year, but then also the previous five financial years. And, essentially, And, essentially, because your balance is under 500,000, you could be making a larger contribution in the super depending on what you're comfortable with to provide you with a bit of a tax deduction. Are you comfortable with me after the call emailing that information through and getting you to have a quick look at your myGov and giving me that to kinda help you along with what you've got available? Yeah. Fantastic. Not a problem at all. Do you have a set of sorry. You're right. Yeah. That that fixed that. Not necessarily. There are a couple of things to sorta consider. So, obviously, the money is coming out of your cash flow and going into super, so you can't access that until you meet a a condition of release. The other side is it is a lump sum that gets invested at one particular time. So if you put 10 or 20,000 into super, as soon as that hits the cash account, that money is invested with the rest of your portfolio. So it's not put in like dollar cost averaging, which means a large lump sum gets invested. Depending on market conditions, they could provide a hindrance to your return in the next year. It could provide a benefit. If the market's up, you know, you might buy less units of the investments that you're in. If the market is down, you might you might buy more. It's more just about making sure that you're comfortable with whatever comes of that and making sure you're aware that you can't then take that money out if you don't if you do need it in the future. So not putting in anything more than you're comfortable with. Does that make sense? Yeah. So the benefit of, like, with your employer contributions, they go in their dollar cost average in a regular basis. So you take advantage of the ups and downs that the market does see. And because moving forward, we're about to go into the phase where the employer contributions in line with your income payments, it means that if you get paid weekly or fortnight, your employer contributions are gonna have to go in that way as well. So you're actually gonna see a bit more proper dollar cost averaging. So it means that on a week where the market is down, your super contributions might go in and you'll buy more units of the investment in a mark in a point where the market is up and the cost of those investments is a little bit higher, the same money goes in and buys a little less units. So you take advantage of the down times, but your employer contributions also keep going and giving you proper dollar cost averaging. So putting a larger lump sum in at one particular time means that that goes in and is automatically purchased purchased into whatever the market is doing at that particular time. We don't ever try to time the market, mostly because people who time the market tend to miss out. So our philosophy is to just to buy into the market no matter what it's doing and keep buying into the market to make take a benefit of whatever the conditions are providing. It's it you tend to provide or get a better rate of return by participating in the market rather than trying to time the market. Most people at time, if they missed out by one or two days over the length of five or ten years, it could be a couple of thousand dollars they've missed out on. So, yeah, as long as you're comfortable with that. If you like, I can have a look at what your catch up contributions are and give you a bit of a breakdown of, you know, what you can put in. Did you want more just general advice on what is available to you and allow you to make that decision yourself, or you're wanting us to kind of provide more personalized advice on making the contribution and the long term effect of that? Yep. Yes. Mhmm. Yeah. Yeah. Yes. Yeah. So it really just depends upon what your goals are, if you like, what we could do. Because I believe, Laura, you're you're a client of ours at the moment, but you're the only one your partner's not a client of ours at the moment. So, Christopher, I do apologize. You're not actually on board as a client at the moment. Is that right? Yeah. So so, no, what we could definitely do and then it really depends on what your long term goals are, when you're wanting to access your funds, whether you're comfortable investing in your own name in the market, you know, how long you're wanting to invest for. There's a lot of different factors that go into what we do recommend. If you're wanting to utilize money in the offset account, we would need to look at what the loan looks like versus investing that money and looking at the outcome to see whether it's more beneficial keeping it on the loan or whether you're better off investing it. Diversifying is a great way, but you also gotta see a counter in the returns. The markets are very volatile. And when you're taking money out of your home loan and investing that in the market, your home loan, you might be paying, you know, six or 7% on that. You wanna make sure that you're getting a higher rate of return, and that's definitely not guaranteed every year. So when you think about putting money into your offset account or onto your home loan, you're saving that interest. So you're saving about a six or seven or 8% return depending on what your interest rate is, which is a guaranteed rate of return because you're saving that. Whereas putting money into the market is absolutely fine. It's a great idea if you've got a longer time horizon, happy to invest for the ten or twenty years. But if you're only wanting to do it for the next sort of five to five odd years, it might not be a good option because you risk putting that money into the market, having a bit of a downturn, or taking that money off the loan, increasing how much you're gonna be paying in the way of repayments or interest on the loan and putting that into the market where you might only get a one or two or 3% return, in which case the return in the investment doesn't really make sense considering the return you would have made or the guaranteed return you would have made by putting the money in the offset and saving on that interest. Does that make sense? Yeah. Yeah. So yeah. Yeah. Right. Yeah. Yes. Yeah. Yep. Absolutely. So are you planning on keeping all three of those investment properties and paying them off and keeping all three of them as the income producer, or was your plan to maybe let them grow in value, sell one off, and pay the rest of the loans, live debt free from the others being rented out? What was your kind of plan originally with those investment properties? Yeah. Yeah. Mhmm. Yep. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Mhmm. Yeah. Yeah. No. That's okay. And it is definitely something to maybe consider and have a think about, especially when we are looking at and maybe investing in your name outside of super in the in, you know, outside of property there. If you are looking at putting money into the share market and building a a portfolio very similar to your super. Looking at where you maybe wanna be in the next five years, do you want to still be doing this, or do you wanna have purchased a property? Because realistically, moving forward, there's one of two ways that you can do it. If you continue continue to pay down all three of these investment properties as you are, as you pay them all off, they become positively geared. You can still rent them out and, you know, provide income, which will allow you to retire earlier. Alternatively, what some people do is they also just let the one of the properties, the most valuable one possibly depending on the CGT consequences, sell one of those properties, use the proceeds to pay off any additional loans still on the other properties. That then leaves you completely debt free and allowing you to, you know, receive income from those. It does leave you one property down. Sometimes, it's a bit of extra money. It really just depends on what it is that you're after. But it also comes down to where you wanna live well. Do you want to is there somewhere in particular that you wanna buy to live? Did you maybe wanna live in one of these properties and buy something else down the track as an investment property? There's quite a few things to kind of think about goal wise to work out which way that you go or, you know, which strategy is gonna work better for you. So many questions. Yeah. Yep. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Absolutely. No. That's okay. That's not a problem at all. Well, it's definitely something to sort of have a think about, look at what your goals are, what you wanna achieve, you know, what your time horizon might look like. It'd definitely be worth coming back and really having a good look at all the properties in detail, looking at what your goals are and how we maybe structure, you know, things in the future to help you meet that goal, and we can absolutely provide advice on that. Yeah. It comes down to when and when, you know, you when you've got an idea of what it is that you were sort of wanting to achieve, when you might wanna consider retiring. I know here it sort of mentioned around about 50 to 55 last time. Yeah. I had down here that you're sort of thinking 50. Yeah. 45. I mean, if we weren't LOTA, we'd all be out tomorrow. Right? Yeah. Yeah. Yeah. Absolutely. Yeah. No. Absolutely. Completely understandable. But, no, look, that is definitely advice we can look at down the track for you. If you just sort of work out what your goal age might be, what you're looking to do, I'd love to come back and have more of a conversation with you guys around that to sort of work out whether, you know, you invest outside of super or whether you just keep paying down those properties. But just a couple of things for you to kind of think about and consider and, you know, decide what you wanted to what you're thinking you might what your goal might be down the track. Does that make sense? Yeah. All good. So for the time being, Laura, you're wanting me to just do some personal advice on making an additional contribution to Super? Yeah. Yep. Yep. Yeah. Yep. Yeah. The biggest the biggest risk with that is that if you do put money into the market in your own name and then you decide, hey. This isn't right for me or you see a really big dip, you then if you decide to take that money out, you are cementing that loss and taking the money back out, whereas it could have been more beneficial on your mortgage. So, yeah, I would just wanna be able to have a look at what your mortgages look like, look at the interest rates, but also assess what your goals are when you're wanting to access these funds. Because if you're willing to put the money into a into the share market and maybe be in a more of a higher risk environment, that's great for getting greater returns long term, but we'd also want you to be invested. Like, the high growth portfolio you're super currently in, we have a time horizon that we would want you to be invested for about eight years prior to accessing any of that money, and that's because you are taking more risk in the market. As your balance increases, the returns increase, but it also means that you're opening yourself up to more of a downtime. And by taking more risk, you feel the downtime more aggressively, but it can take longer for your portfolio to recover there as well. So that is one risk that we do kind of like to open up to. But I don't want this to, you know, freak you out and be like, hey. I don't ever wanna invest in shares. It's a great way to build wealth so long as you've got the time horizon ahead of you, so long as you're willing to invest for a time that's long enough to allow your portfolio to do something to recover, knowing what the risks are in the shorter term, but also making sure you're comfortable. So taking that money off the mortgage or not putting it in the mortgage, and possibly some years, you will see a lower a lower rate of return. So, you know, like your interest your home loan interest rate probably doesn't go down very often. We see it go up more than anything. The share market has a kind of an an opposite effect to that. So when we do see higher inflation rates and where we do see our mortgages increasing, you know, the RBA puts the interest rate up because we're spending a lot more. There's more money around than what they would like us to have. We do essentially see share markets take a bit of a dip in those sorts of times, which means your return, some years, will be only one, two, or 3%. Some years, you could see a 15 or a 20% return. Returns are very much fluctuating. We diversify portfolios and make sure we're building them to try and mitigate as much risk as possible, but we can't mitigate a 100% of market risk. So it's just about confirming and working out whether putting the money on the mortgage is better for your goals or whether putting it into a share portfolio. So we just wanna know a bit more about what your goals are, what your time horizon is, what you're kind of wanting to achieve, the income that you think you're gonna need in retire or when you retire at 50 or 45 or whatever that agency or both, and then look at what your interest rates are, what you're putting on the mortgage. Is it better on the mortgage or in an investment portfolio? We project that out to see what that might look like and how long that kinda takes to to work for you and if it's gonna be better either way. So it is a pretty big advice piece. It would definitely need to incorporate both of you for that, and it is something that, you know, in when you've kinda had an idea and had a bit of a chat at what is it you both wanna achieve, we can come back and definitely revisit for you. Does that sound okay? Yeah. Yeah. Mhmm. Yeah. Yep. Yep. A bit tough. Yeah. You sorta just wanna work out whether I would honestly just be working out average cost. So if you didn't have if if things weren't sort of covered for for you, how much do you think you would need? Do you think I mean, the average person, honestly, needs to live on between between sort of five to a thousand dollars on a weekly basis to cover the cost of everything. But then also factoring in, will you have a mortgage to account for or will you not? So do you think you're gonna be able to buy the house free and clear, or do you think you're gonna have a mortgage on that main primary residence at the same time? And what would that mortgage maybe look like? Fully paid off. Yeah. Yeah. Between about 500 to $1,000 on a weekly basis depending on whether they're debt free or not. Yeah. Yeah. Yes. Yeah. Yeah. Yeah. Absolutely. So to start with, just I can do the advice now for you for the contribution because that is quite time sensitive. We do need to get that in before the end of the financial year for you. So that's more of a time sensitive advice piece. What I'll need to do is after the call, I'll go back and just generate a bit of an email with what we're going to need to be able to gather to be able to look at the advice piece for you and do the research. If you can kinda gather all the bits and pieces together, then we can come back and I can do a bit of research here. It is a quite a larger plan, so we'll take a bit of time to do the research there for you. If we do look at investing in your own personal name and building a sort of a portfolio, just so you are aware, we do charge an ongoing fee for the management of that portfolio. So very much the same as your super. It's 1.65%. That's essentially capped currently at balance of a 100 of 600,000. Sorry. And it's the the 1.65% is a yearly percentage fee for our services and monitoring ongoing. This fee is deducted out of the investment portfolio each month in smaller increments, and the idea of a percentage based fee is that it does market is doing really well, it does mean that our fee is gonna be higher. However, when the market is taking a bit of a dip, it does mean that our fee is gonna be lower as well. So percentage based fee does fluctuate with whatever the market is doing, which is really good and benefits you. But just so you're fully aware, but I can outline that in the email for you as well. Does that sound okay? Yeah. Beautiful. If you like, what I could also do is I can add a little budget plan in there for you. It's a little tool that we do like to use where you can kinda go through and have a think about what you might spend on certain things to kinda give you an idea of what your regular weekly expenditure might be or what kinda income you might need to account for. Does that sound like something you'd be open to doing as well? Yep. Yeah. Yeah. Yep. Yep. Yeah. Yeah. Yeah. A bit tough. Yeah. No. That's okay. Well, if you like, I'll drop it'll be a nice big email for you both. It'll outline, obviously, the fee structure of investing outside super, what we'll need to correlate to be able to do the research for you on all of these aspects. What we can do, if you're comfortable, you can send me all the information. I can do a bit of research around what that looks like and what we might be you know, the outcome might be, a bit of projecting. And then we can come back in the new financial year and have another joint conversation with you guys and just, you know, have a talk about what your goals are, what the research has been able to look at, really look at the risk profile in detail, and then come up with a plan moving forward. Does that sound okay? Yeah. Perfect. Does that sound alright with you, Christopher? You? All good? Yeah. Beautiful. All good. Just double checking. Christopher, do you prefer Chris or Christopher? I don't, you know, like to double check that. Sorry. Chris is good? All good. Perfect. Perfect. No problem at all. But just while we are kinda talking about the properties here, I do have the properties noted from the last year. I just want to double check which property is valued at which and what loan is on which. Now you said one property has a a loan value owing of 44,000. I only have with the properties noted here, I've got one that is a Harvey Bay property, which is investment property one. I have a second investment property and a third one, which you purchased last year. Which one of those would be the 44,000 owing? Yep. Perfect. So loan value on that one sitting at 44,000, and that's fully offset. Yep. Beautiful. That's okay. Yeah. Just to update all the all the sec all the details here. So the second investment property, I don't have any kind of note of where it's located, but I had an asset value of 650,000 on that one, and it had a debt of 350,000 last year. Okay. Yep. Yep. Okay. So this one here, I'll just put a note next to it saying, so $3.75 in the offset. Beautiful. So that one only has a small amount owing. Excellent. Owing difference. Yep. Is that the one that you purchased last year? Yep. So Sunbury. Beautiful. It's owing $5.32. Beautiful. Yep. Okay. And that's $5.60. Yes. Sorry. Yep. Yep. Yep. Okay. Perfect. Yes. Yep. Yep. No. That's okay. That's not a problem at all. So $3.60 0 in there as well. Beautiful. Now with each of those properties, the one in WA, what's the asset value you put on that property at the moment? 6 150 and something. Yep. Okay. Perfect. Perfect. And then with the one in Sunbury, what's the evaluation you put on that one? $7.50? Yep. That's okay. And the one just outside of Harvey Bay, we had a an asset value of 650,000 on that one. $7.50. Yep. Perfect. There we go. And then the one in Harvey Bay, we had here last year 650,000 on that one there as well. Okay. Perfect. Perfect. Excellent. Other than that, income wise, because we are looking at the additional contributions and making a deductible, I need to sort of confirm what your income estimate is supposed to be for this year when you consider your total income. So when you consider what the account is gonna look at with from the property is, what do you estimate your total income should be gross this year? Sorry. Yep. Yep. Yep. Yeah. Yeah. No. That's yep. Yep. That's okay. I just need to work out what your gross income is expected to be for this for this financial year total just so I can kinda work out what what the contribution looks like and how that might provide you a benefit and, yeah, affect you essentially. Yep. Yep. Okay. Perfect. So $1.20 without any deductions. Do you know what the deductions might sort of expected to look like to bring your the income component down for you at? No. Yeah. No. That's okay. If you like, I can put that in the email for you. If you just sort of reply back with what the gross income might look like, then I can kind of go from there for you. Is that alright? Yep. Perfect. Yep. Yep. Yeah. Love that. Yep. Yeah. Yep. Yep. Yeah. No. That's okay. Not a problem at all. I'll pop that into the email there as well. This will be a pretty bulky email for you, but it'll kinda contain everything that we need to be able to help you out and get the advice. But I'll pop it in the email for you so if you just confirm that for me. Is that okay? Yep. Fantastic. Excellent. And you kinda mentioned that you do guys travel around a lot for work. You're still in the same area. I've got down here that you're in technically construction industry and that your occupation is a safety adviser. Is that right? Yep. Perfect. Fantastic. Lovely. And I've got down here for accessing super. We were working on age 60. Obviously, you've got those other goals there where you're wanting to try and build wealth outside of super so you can retire around about 50, if not before. Is that still correct? Yep. Beautiful. I also had done here that you were sort of hoping to accumulate assets of around about two to two point five million net. Is that right? That's okay. You're right. As much as possible. I'm with you there. Absolutely. Absolutely. I got that. Not a problem at all. Beautiful. Excellent. Well, look, that's honestly really good. Is there any other goals or anything else that you can think of with regard to the properties or the advice that we're looking at at the moment that you might wanna kinda add into here? Yep. Yep. Yep. Yep. Yes. Yeah. Yep. Yeah. Yeah. Yep. No. That's okay. Not a problem at all. Beautiful. Well, I think we've covered most things there. As I said, I'll put do up a really big email for you to call it all the things that we do need, the any additional questions that we might have. Once we've kind of got all that detail, we can come back and just have another conversation around your goals, have a think about what it is when you're running to retire, what the income component might look like, anything else that might be relevant there. In the meantime, I can do a bit of research around what we've got, what what this might look projected wise, and then we can always come back and and reassess and do a nice big advice piece for you. Does that sound okay? Fantastic. Lovely. So just to kinda go through your stupid now, now I did give you a balance before there, Laura. So your balance as of essentially yesterday's date was a 118,718 and 61¢ there. So it is definitely up. Having a look back at your annual review last year when you completed that with Tommy there, the balance in your account then was 96,209 and 70¢. So your super has done really, really well when we kinda break that down. You're in that high growth kind of environment there. So at the moment, and in a high growth portfolio, you wanna see about 90% of your funds in those growth assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver, that's where you tend to see a lot of the returns from moving forward, and that's where you also see those those ups and downs of volatility that kinda make us a bit nervous as well. So at the moment, your current exposure is sitting at 93 there, which is within that range of what we'd like to see. And then you've got about 7% defensive. The high growth portfolio normally sees about around about sort of 5% offensive. Seven's a little bit higher, but it's within range for discrepancies. And because of, you know, the way portfolios work, you do also see often see a little bit of a discrepancy in that. So we have a range. We're happy with about a 5% range either side of that for your high growth environment, and 7% defense is not bad at all. When I have a look at the total of how your portfolio has performed, Sorry. I'm just bringing up the report. I do apologize. Might be one second. Just gotta open it up. Oops. My computer's a little bit slow. Work is a bit too hard today, I think. Gotta love technology. When you look at here at the portfolio, so net of fees, you've got a 12.39% return there. So not bad in any way, shape, or form. With the high growth environment, as I kinda mentioned before, you are sort of wanting to be invested for at least eight years before accessing that super because of the risk that you are taking and the exposure that we do see there. This you you're still really young. You've got a lot more time than eight years before you're able to access your super at this stage. So you do fit within that high growth sort of environment there. And when we are looking at long term sustainable returns, the high growth portfolio, we're looking to achieve around about eight to 10% on a yearly basis. So the fact that you've received 12.39% net of fees, it's after our ongoing fee as well as any admin fees or super fees that are deducted there, does show that your portfolio has well and truly overperformed for the year, which is a really solid return. I tend to give everyone the the performance as a percentage, but also as a dollar figure as well. So the income and the growth, and that's what we're looking at. Your contributions do go into the portfolio, but they're essentially seen as capital or principal. We look at when we're looking at the returns, the internal rate of return, the income that's produced out of those investments and the additional growth, so the changes in the market price of the investments there. And it shows that for the year, you've made about 14,003 sorry. $14,735.80 per year. So it's a really good return. You've achieved really well for the year, and it's it's really happy with that. Did you have any questions so far about any of it? Sorry. Yes. Yeah. Yeah. Yeah. Yes. Perfect. Fantastic. When I do have a look at some of the investments in there, I can see one that is underperforming a little bit. And I know when Tommy spoke to you last year, he talked to you about the Australian equities component that been along Australian equities managed fund in there. Do you remember kinda talking to him about that last year? Yeah. Yeah. Yeah. So it looks like last year was over underperforming a little bit there. And having a look at it now, it is still underperforming. So I would like to maybe update the advice for you and remove that out of that. I can also incorporate that into the advice piece for you. Maybe look at moving that out and putting something in its place that hasn't been underperforming as much. It might also be a bit more cost effective for you to find a cheaper managed investment. Would that sound okay? Yep. Fantastic. Perfect. So with the Bennelong team, just kind of get a guide on what you're sort of after investment wise with your super. Bennelong Australian Equities is a managed funder. They generally hold between 15 to 25 different investment options. The investment manager of that is more of an active manager, so their job is to buy and sell investments, time the market, and try to outperform against the market or the indices that they're trying to sort of track. We can, if you wanted to, look to maybe reduce the cost a bit and change that to have a more passive investment. Passive investments might be more diversified, have more underlying investments there, and are designed to track the market or the industries instead of trying to outperform it, which means that they have less risk of underperforming against the market. Did you want me to look at something more cost perspective, or did you want more of an actively managed in there? Or what's your thoughts around that? Yeah. Yeah. Perfect. I'll have a really good look at everything for you. I can incorporate that into the advice piece of your contribution if you like, and then we can come back and have a really good chat about what we're what we're gonna switch that for you. Okay? Perfect. Now the other thing to sorta have a chat about is the insurance side of things. So just having a look, you do have insurances that are paid out of your super fund at the moment. With your MetLife policy there, you do have you've got some life cover. So the life cover has some insured at the moment of 551,250. You have the same amount of TBD cover there. Having a look, you don't have any income protection and don't have any trauma or any additional covers outside of so far. Are you happy with the amount of coverage that you have given that your investment properties are pretty well, you know, self managed and you're paying them down nice and fast and you have very much low expenditure. Or did you wanna maybe look at reevaluating those levels of cover? What are your thoughts there at the moment? Yep. Beautiful. And with not having income protection, I know you do have those four investment properties there. And, like, if you were not able to work, I know Chris is still working, and you've probably you've got money in the offset to sort of suffice. You're comfortable not having any income protection or any additional insurances. You're just happy with the life and TPD. Is that right? Yep. No. That's okay. Absolutely. Fantastic. And just looking at the beneficiary side of things as well there. So I can see we do have Chris noted as your beneficiary in the event of passing your super and your life insurance is paid after him at a 100%. You're comfortable with that? That's the way you want that sort of structured? Yep. Fantastic. Look, everything is working really well very nicely. I've got a really good idea of where we're sort of going with things. There there's no need to sort of change the insurances now, which is a positive sign for you. Just double checking, having a look at the other estate planning side of things, I've got a note here that you do have a will and power of attorney. They're all still active and in place and reflect your current wishes. Is that right? Yeah. Fantastic. Perfect. And how's your health been for the last twelve months? No major changes. Everything's going really well? Oh, fantastic. That's what we wanna hear. Excellent. Excellent. The only other thing to sort of confirm now, as we kinda mentioned you are in that high growth environment there, I've just got a really quick risk profile just to kinda gauge whether we've gotta make any changes to your portfolio. I don't think there are any changes to make there. You kinda sort of also mentioned to me that super sort of a backup plan. Your main plan is, you know, looking at investment properties and investing in your own name outside of super there. If you did see the market take a bit of a dip with your current balance and say it did fall by 20% in the next sort of one or two or even three years there, knowing that you're not able to access your money, how do you sort of feel about your super balance taking that sort of a dip in the short term? Do you consider that you'd be quite concerned, maybe wanting to sell the investments? Do you think it's maybe more of an investment opportunity, or are you probably just wanting to hold and wait and see what happens? What's your thought? Yep. Trust the process. I love it. All good. The other question here is looking at what kind of reasonable rate of return you're expecting to achieve from your investments. I've ticked number one, trying to obtain the best return you possibly can for the risk level you're taking. Is that accurate? Yep. Fantastic. And the last one here is have you ever seen your super full in value? I'm sort of noting that you're not really sort of worried. Any sort of major drops in your super, you're happy to to sort of wait and still, you wouldn't be too concerned about that. Yep. Yeah. No. That's okay. Not a problem at all. And the last one here is looking at have you ever thought about taking out a loan to invest? You did say last year that you would so long as you have the right sort of advice around that, and you have borrowed to buy those investment properties. So taking number one there that you are comfortable borrowing to invest given your time horizon at the moment. Is that right, or would you alter that decision? That sounds fine. Yep. Yep. Beautiful. Well, you've definitely scored there as a high growth investor given your time horizon and the way your super is growing. And, obviously, you know, the way you are in your life, it does sound like the right place to be. If you ever are finding or hearing anything in the out in the market or in the news that is concerning, please feel free to give us a call. We are definitely here to help you. We do wanted to do these reviews a bit more regularly with you. Did you want us to do a bit of a catch up with regard to your super in maybe the next six months or three months, or are you happy with just the review once a year? What would you kinda prefer moving forward? Yeah. Six monthly? Yeah. Perfect. I'll put that in the calendar there for you so my team will touch base. In about six months, they'll do a bit more of a a review, sorry, around your super just to kinda give you a bit of a quick catch up and see how things are traveling there for you. In the meantime, I'm gonna shoot through after the call your annual review documents as there there as well. So it does have a portfolio report to show you. Essentially, what I was looking at when looking at the returns and give you a bit of a breakdown of how your super's been performing. It's also got the certificate of currency there for you. I've got the financial services guide. So I'm not sure if we've spoken before. It doesn't look like we have, but I'm a full licensed adviser the same as the others here and Tommy was. Essentially, all of that information's in the financial services guide. That one's who I am, what I do, has a lovely picture of me in there for you if you wanna have a bit of a look at that, and, also, my registration information as I'm a licensed adviser through Asics. So you can have a bit of a look through that, get a bit of a guide on who we are, what we do, and how we do it. And, Chris, if you wanted to have a bit of a look through that, absolutely. It just breaks down a bit more around our services, who we are, what we do, how we do it, and what advisers essentially do. I'll also have the ongoing service agreement attached there. So if you find you're happy with the services, wanna stay onboard for the next twelve months there, I'll just get you to sign and return that one back there for us, Laura. That just allows us to keep looking after your super, providing the services, and updating the advice in relation to super. And then I'll send that other email out separately to you, just to we'll just correlate all the data so we can have a bit of a a look at what your goals and objectives are, and we'll come back and have another conversation when you're come when you guys are ready to really look at, you know, what the research looks like, what your goals are, and what we can maybe do advice wise to help you along investing in your own name. How does that sound so far? Yeah. All good. Fantastic. Everything that's kind of everything I needed to touch on now. I think the main thing is to get that email out to you and kinda correlate the data. I'll get the information back as quickly as if you can get that back to me as quickly as you can in relation to your income side of things and the catch up contributions, just so I can correlate that advice case there for you, Laura, and get that update up to date. Chris, because I don't have access to your super, I can't can't give you personal advice there. But if you wanted to send me yours, I could give you a bit of a breakdown on, you know, essentially making a deductible contribution. Or, alternatively, if you just look at your catch up contributions, it tells you how much you have available cap space, and you'll be able to utilize that as well. Is that okay? Yeah. Yeah. Love to have more of a chat about your super and have a look at what we can do moving forward. Absolutely. Do you guys have any other questions? Is there something I've missed or haven't touched on that you maybe wanted me to touch on for either of you? Or yeah. Yeah. Yep. Yes. Yeah. Yep. Yeah. Yeah. Yeah. Oh, yeah. Wow. Wow. Yeah. Yeah. Because it's in court, you may not be able to do anything until it goes to the legal process. But I'll see if there's a solicitor or someone I can refer you through to to maybe have a look at that in a bit more detail. But, yeah, I'll see what I can find and maybe get some additional information there for you. It might just be that that's all kind of locked away for the moment. So, Chris, is that all your super, or do you have other super that you're getting money paid into at the moment as well? Okay. Yep. Yeah. Yeah. Still. No. Still a lot of money to have sitting there not doing anything now, isn't it? Yeah. No. No. No. Definitely. And your money's working over here in the other super funds. So that's okay. No. Absolutely. Look. It honestly does look like the money will unfortunately be tied up until it goes through the court process, but I can have a bit of a look and find out what what I can find information wise. And if there's maybe a solicitor we can refer you through to to maybe have a conversation around that, I will. But I'll do a bit of research for you and see what we can come up with there. That's a bit of a shame. You probably had some high hopes from that one property. So the intention with that SMSF, are you sort of hoping to just kinda get through the court process, get your funds back, and maybe close it off, or do you kinda hope they're gonna get that property built? Or what do you sort of think down the track you would hope to get from this? Yeah. No. That's understandable. That's okay. As I said, I'll find out what I can about that. I'll see if there's a solicitor I can refer you through to sort of help you along. In the meantime, I will send you a really nice, big, bulky email with the things we need to correlate for the extra advice there for you. We'll look at your income, look at the deductible contribution. I'll do some research around the additional investment in super and see what we can switch to that too and how that looks there for you. And then we'll come back and have a bit more of another conversation and and look at what your goals are with regards to investing in your own name and see what we can do to help. Okay? In your own name and see what we can do to help. Okay? No. That's okay. Thank you so much. I'll let you guys go for the afternoon. If there's anything else, let me know. Laura, you also have my email address. So if anything else comes up that you've missed or that you need additional, let me know. Always happy to make more time to come back and talk. We'll get the contribution side of things sorted for you because that's more time sensitive given we're in June. And then we'll come back and look more in detail at the the other side of the advice for you guys. Okay? Oh, my pleasure. It's been a pleasure to catch up with you both. It's been a really good you've got a lot going on, so we'll definitely see what we can do to help. Not a problem at all. You both have an amazing afternoon. Thank you for your time. Thanks. 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Laura. This is Dana from Okie Financial. How are you this afternoon? I'm very well. Thank you.\n\nI had you put in to go through your annual review today. Is now still a good time there for you? Fantastic. Laura, just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nFantastic. And, also, just for the security there with you, I'd just like you to confirm your full name, your date of birth, and address I should have on file as well. Fantastic. And how's your day being so far? Oh, yeah.\n\nGood. Busy, but that's why we like it. Getting close to the weekend. All good, Laura. As part of the annual review, just to sort of check-in, is there anything particular you wanted to sort of touch base on or any questions that you might have that you wanted me to sort of go through with you this this afternoon?\n\nYeah. Absolutely. Go for it. Yes. Right.\n\nYeah. No. So we don't because we're financial advisers. We're not tax accountants. We could.\n\nHowever, if you like, I could find out I believe we do have an account that we could refer you through to. So I can get that information and send it to you if you like after the call, and you're welcome to touch base with them and decide whether you're comfortable proceeding with them at all. It is completely separate from us. It's just someone we know that we tend to like that do really well and look after our clients quite well. So we can provide that information to you for you to have a bit of a look at if you would like.\n\nYeah. Not a problem. Yes. Right. Yes.\n\nAbsolutely. Not a problem at all. I'll get that email straight after the call for you. He's done. No worries.\n\nYes. Yes. Okay. Yeah. Yep.\n\nYep. Yes. Yep. Yep. Yeah.\n\nNo. Honestly, because it sounds like the other two properties that you're paying down faster are principal and interest. Is that right? Yep. Yep.\n\nThat's fine. Oh, yes. Not a problem at all. Yeah. No.\n\nThat's okay. No. That's absolutely fine. And so these two loans that you're paying down, you're utilizing the offsets to pay them down, or are you paying the money onto the loan fully and reducing the actual loan? Mhmm.\n\nYep. Yep. Yep. Okay. No worries at all.\n\nYep. Yes. That's right. Yeah. Because putting it into the loan and reducing it and closing the loan off means that you would have to go back through servicing.\n\nWhereas just putting in the offset account, you still have the loan physically open. You don't then have to go through new servicing to be able to reuse that money if you did find something else you wanted to put that towards. With the two loans that you're paying down at the moment, you've mentioned the other two that well, the other property that you then wanna pay down is interest only, and it's on a fixed term. Is that right? Yep.\n\nAnd these two you're paying down the ones that you're paying down at the moment, they're both on variable rates. Is that right? Yep. Okay. So you can have interest only on a variable rate or a fixed rate.\n\nBut if you're paying the loans down faster and it's actually affecting the interest, you're probably gonna be on a variable rate because realistically yeah. Because fixed loans, you can't sort of pay down. They have a limit on how much extra payments you can make on a regular basis. You are definitely doing it the right way. Continue doing it the the way that you are.\n\nEssentially, by utilizing the offset, you are keeping the loan open. You don't have to go back to servicing if something happens, if you need to, or find a way to use that money again. When you get the loan paid down and fully offset, if you then decide to close the loan, you absolutely can do so. But what you can also be doing is once you get that loan fully paid down and fully offset, you can continue to put money into the offset and build that up even more so that when those other loans come off, the interest only terms and all their fixed terms, you can then put a large chunk of money over into those additional loans if you want to as well. So you are doing it the right way.\n\nI would continue doing it the exact way you are. You seem to be putting a lot of extra money in on a regular basis and offsetting those loans as much as possible. So your broker had the right idea, in my opinion, of of doing it this this way. Yeah. Yeah.\n\nYeah. Yeah. Well, either way, so as long as that that offset account is fully offsetting or is a 100% offsetting a loan, it doesn't really matter where it's sitting. If it's sitting on the loan, it reduces the actual loan amount that you have owing. If you have it sitting in the offset account, the loan amount still says exactly what you have owing, but you are still offsetting the interest.\n\nSo it the offset account does the exact same thing. It's more just the rate your ability that sort of allows you more flexibility with that. So if you use the offset account as much as possible, you can take that money back whenever you need to, whereas putting it on the loan reduces the loan amount, but then you have to kinda redraw off if you want that money back again. But both of them will offset the interest as long as the offset account set up correctly. Yeah.\n\nYeah. Absolutely. Yeah. You're alright. You're fine.\n\nYes. Yeah. So you're on yeah. You make a deductible contribution? Yeah.\n\nSo you absolutely could. You've got one of two ways of doing it. So depending on what your overall tax outlook is looking like and this is not probably something to also talk to your accountant about. But, realistically, if your if your income is really high and you have additional cap space, making a deductible contribution is great because that does offset, say, you put 10,000 into your super fund, you can then take that 10,000 back and claim that as a tax deduction, which reduces your how your overall, you know, total gross income, accessible income, essentially, which works out really, really well. It just depends on how much you're wanting to put into your super as well.\n\nDo you know because I'm just having a look. So for yourself there, Laura, your super is the balance at the moment is $118,007.01 8. So you are eligible to use any catch up space. What you could do if you would like is you could have a look at your if you can get into your myGov account and find out what your catch up contributions are. We can have a you can find out what you've got accessible from the last five financial years that that haven't been used from the cap space, essentially.\n\nSo if your employer hasn't been putting in the full 30,000 this year or last financial year or the $27.05 from previous financial years, you should have a little bit of extra cap space there. If you check your myGov account, and if you like, I can send you an email after the call which directs you how to find that information, you can see what cap space you have left for this financial year, but then also the previous five financial years. And, essentially, And, essentially, because your balance is under 500,000, you could be making a larger contribution in the super depending on what you're comfortable with to provide you with a bit of a tax deduction. Are you comfortable with me after the call emailing that information through and getting you to have a quick look at your myGov and giving me that to kinda help you along with what you've got available? Yeah.\n\nFantastic. Not a problem at all. Do you have a set of sorry. You're right. Yeah.\n\nThat that fixed that. Not necessarily. There are a couple of things to sorta consider. So, obviously, the money is coming out of your cash flow and going into super, so you can't access that until you meet a a condition of release. The other side is it is a lump sum that gets invested at one particular time.\n\nSo if you put 10 or 20,000 into super, as soon as that hits the cash account, that money is invested with the rest of your portfolio. So it's not put in like dollar cost averaging, which means a large lump sum gets invested. Depending on market conditions, they could provide a hindrance to your return in the next year. It could provide a benefit. If the market's up, you know, you might buy less units of the investments that you're in.\n\nIf the market is down, you might you might buy more. It's more just about making sure that you're comfortable with whatever comes of that and making sure you're aware that you can't then take that money out if you don't if you do need it in the future. So not putting in anything more than you're comfortable with. Does that make sense? Yeah.\n\nSo the benefit of, like, with your employer contributions, they go in their dollar cost average in a regular basis. So you take advantage of the ups and downs that the market does see. And because moving forward, we're about to go into the phase where the employer contributions in line with your income payments, it means that if you get paid weekly or fortnight, your employer contributions are gonna have to go in that way as well. So you're actually gonna see a bit more proper dollar cost averaging. So it means that on a week where the market is down, your super contributions might go in and you'll buy more units of the investment in a mark in a point where the market is up and the cost of those investments is a little bit higher, the same money goes in and buys a little less units.\n\nSo you take advantage of the down times, but your employer contributions also keep going and giving you proper dollar cost averaging. So putting a larger lump sum in at one particular time means that that goes in and is automatically purchased purchased into whatever the market is doing at that particular time. We don't ever try to time the market, mostly because people who time the market tend to miss out. So our philosophy is to just to buy into the market no matter what it's doing and keep buying into the market to make take a benefit of whatever the conditions are providing. It's it you tend to provide or get a better rate of return by participating in the market rather than trying to time the market.\n\nMost people at time, if they missed out by one or two days over the length of five or ten years, it could be a couple of thousand dollars they've missed out on. So, yeah, as long as you're comfortable with that. If you like, I can have a look at what your catch up contributions are and give you a bit of a breakdown of, you know, what you can put in. Did you want more just general advice on what is available to you and allow you to make that decision yourself, or you're wanting us to kind of provide more personalized advice on making the contribution and the long term effect of that? Yep.\n\nYes. Mhmm. Yeah. Yeah. Yes.\n\nYeah. So it really just depends upon what your goals are, if you like, what we could do. Because I believe, Laura, you're you're a client of ours at the moment, but you're the only one your partner's not a client of ours at the moment. So, Christopher, I do apologize. You're not actually on board as a client at the moment.\n\nIs that right? Yeah. So so, no, what we could definitely do and then it really depends on what your long term goals are, when you're wanting to access your funds, whether you're comfortable investing in your own name in the market, you know, how long you're wanting to invest for. There's a lot of different factors that go into what we do recommend. If you're wanting to utilize money in the offset account, we would need to look at what the loan looks like versus investing that money and looking at the outcome to see whether it's more beneficial keeping it on the loan or whether you're better off investing it.\n\nDiversifying is a great way, but you also gotta see a counter in the returns. The markets are very volatile. And when you're taking money out of your home loan and investing that in the market, your home loan, you might be paying, you know, six or 7% on that. You wanna make sure that you're getting a higher rate of return, and that's definitely not guaranteed every year. So when you think about putting money into your offset account or onto your home loan, you're saving that interest.\n\nSo you're saving about a six or seven or 8% return depending on what your interest rate is, which is a guaranteed rate of return because you're saving that. Whereas putting money into the market is absolutely fine. It's a great idea if you've got a longer time horizon, happy to invest for the ten or twenty years. But if you're only wanting to do it for the next sort of five to five odd years, it might not be a good option because you risk putting that money into the market, having a bit of a downturn, or taking that money off the loan, increasing how much you're gonna be paying in the way of repayments or interest on the loan and putting that into the market where you might only get a one or two or 3% return, in which case the return in the investment doesn't really make sense considering the return you would have made or the guaranteed return you would have made by putting the money in the offset and saving on that interest. Does that make sense?\n\nYeah. Yeah. So yeah. Yeah. Right.\n\nYeah. Yes. Yeah. Yep. Absolutely.\n\nSo are you planning on keeping all three of those investment properties and paying them off and keeping all three of them as the income producer, or was your plan to maybe let them grow in value, sell one off, and pay the rest of the loans, live debt free from the others being rented out? What was your kind of plan originally with those investment properties? Yeah. Yeah. Mhmm.\n\nYep. Mhmm. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Mhmm. Yeah. Yeah.\n\nNo. That's okay. And it is definitely something to maybe consider and have a think about, especially when we are looking at and maybe investing in your name outside of super in the in, you know, outside of property there. If you are looking at putting money into the share market and building a a portfolio very similar to your super. Looking at where you maybe wanna be in the next five years, do you want to still be doing this, or do you wanna have purchased a property?\n\nBecause realistically, moving forward, there's one of two ways that you can do it. If you continue continue to pay down all three of these investment properties as you are, as you pay them all off, they become positively geared. You can still rent them out and, you know, provide income, which will allow you to retire earlier. Alternatively, what some people do is they also just let the one of the properties, the most valuable one possibly depending on the CGT consequences, sell one of those properties, use the proceeds to pay off any additional loans still on the other properties. That then leaves you completely debt free and allowing you to, you know, receive income from those.\n\nIt does leave you one property down. Sometimes, it's a bit of extra money. It really just depends on what it is that you're after. But it also comes down to where you wanna live well. Do you want to is there somewhere in particular that you wanna buy to live?\n\nDid you maybe wanna live in one of these properties and buy something else down the track as an investment property? There's quite a few things to kind of think about goal wise to work out which way that you go or, you know, which strategy is gonna work better for you. So many questions. Yeah. Yep.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Absolutely.\n\nNo. That's okay. That's not a problem at all. Well, it's definitely something to sort of have a think about, look at what your goals are, what you wanna achieve, you know, what your time horizon might look like. It'd definitely be worth coming back and really having a good look at all the properties in detail, looking at what your goals are and how we maybe structure, you know, things in the future to help you meet that goal, and we can absolutely provide advice on that.\n\nYeah. It comes down to when and when, you know, you when you've got an idea of what it is that you were sort of wanting to achieve, when you might wanna consider retiring. I know here it sort of mentioned around about 50 to 55 last time. Yeah. I had down here that you're sort of thinking 50.\n\nYeah. 45. I mean, if we weren't LOTA, we'd all be out tomorrow. Right? Yeah.\n\nYeah. Yeah. Absolutely. Yeah. No.\n\nAbsolutely. Completely understandable. But, no, look, that is definitely advice we can look at down the track for you. If you just sort of work out what your goal age might be, what you're looking to do, I'd love to come back and have more of a conversation with you guys around that to sort of work out whether, you know, you invest outside of super or whether you just keep paying down those properties. But just a couple of things for you to kind of think about and consider and, you know, decide what you wanted to what you're thinking you might what your goal might be down the track.\n\nDoes that make sense? Yeah. All good. So for the time being, Laura, you're wanting me to just do some personal advice on making an additional contribution to Super? Yeah.\n\nYep. Yep. Yeah. Yep. Yeah.\n\nThe biggest the biggest risk with that is that if you do put money into the market in your own name and then you decide, hey. This isn't right for me or you see a really big dip, you then if you decide to take that money out, you are cementing that loss and taking the money back out, whereas it could have been more beneficial on your mortgage. So, yeah, I would just wanna be able to have a look at what your mortgages look like, look at the interest rates, but also assess what your goals are when you're wanting to access these funds. Because if you're willing to put the money into a into the share market and maybe be in a more of a higher risk environment, that's great for getting greater returns long term, but we'd also want you to be invested. Like, the high growth portfolio you're super currently in, we have a time horizon that we would want you to be invested for about eight years prior to accessing any of that money, and that's because you are taking more risk in the market.\n\nAs your balance increases, the returns increase, but it also means that you're opening yourself up to more of a downtime. And by taking more risk, you feel the downtime more aggressively, but it can take longer for your portfolio to recover there as well. So that is one risk that we do kind of like to open up to. But I don't want this to, you know, freak you out and be like, hey. I don't ever wanna invest in shares.\n\nIt's a great way to build wealth so long as you've got the time horizon ahead of you, so long as you're willing to invest for a time that's long enough to allow your portfolio to do something to recover, knowing what the risks are in the shorter term, but also making sure you're comfortable. So taking that money off the mortgage or not putting it in the mortgage, and possibly some years, you will see a lower a lower rate of return. So, you know, like your interest your home loan interest rate probably doesn't go down very often. We see it go up more than anything. The share market has a kind of an an opposite effect to that.\n\nSo when we do see higher inflation rates and where we do see our mortgages increasing, you know, the RBA puts the interest rate up because we're spending a lot more. There's more money around than what they would like us to have. We do essentially see share markets take a bit of a dip in those sorts of times, which means your return, some years, will be only one, two, or 3%. Some years, you could see a 15 or a 20% return. Returns are very much fluctuating.\n\nWe diversify portfolios and make sure we're building them to try and mitigate as much risk as possible, but we can't mitigate a 100% of market risk. So it's just about confirming and working out whether putting the money on the mortgage is better for your goals or whether putting it into a share portfolio. So we just wanna know a bit more about what your goals are, what your time horizon is, what you're kind of wanting to achieve, the income that you think you're gonna need in retire or when you retire at 50 or 45 or whatever that agency or both, and then look at what your interest rates are, what you're putting on the mortgage. Is it better on the mortgage or in an investment portfolio? We project that out to see what that might look like and how long that kinda takes to to work for you and if it's gonna be better either way.\n\nSo it is a pretty big advice piece. It would definitely need to incorporate both of you for that, and it is something that, you know, in when you've kinda had an idea and had a bit of a chat at what is it you both wanna achieve, we can come back and definitely revisit for you. Does that sound okay? Yeah. Yeah.\n\nMhmm. Yeah. Yep. Yep. A bit tough.\n\nYeah. You sorta just wanna work out whether I would honestly just be working out average cost. So if you didn't have if if things weren't sort of covered for for you, how much do you think you would need? Do you think I mean, the average person, honestly, needs to live on between between sort of five to a thousand dollars on a weekly basis to cover the cost of everything. But then also factoring in, will you have a mortgage to account for or will you not?\n\nSo do you think you're gonna be able to buy the house free and clear, or do you think you're gonna have a mortgage on that main primary residence at the same time? And what would that mortgage maybe look like? Fully paid off. Yeah. Yeah.\n\nBetween about 500 to $1,000 on a weekly basis depending on whether they're debt free or not. Yeah. Yeah. Yes. Yeah.\n\nYeah. Yeah. Absolutely. So to start with, just I can do the advice now for you for the contribution because that is quite time sensitive. We do need to get that in before the end of the financial year for you.\n\nSo that's more of a time sensitive advice piece. What I'll need to do is after the call, I'll go back and just generate a bit of an email with what we're going to need to be able to gather to be able to look at the advice piece for you and do the research. If you can kinda gather all the bits and pieces together, then we can come back and I can do a bit of research here. It is a quite a larger plan, so we'll take a bit of time to do the research there for you. If we do look at investing in your own personal name and building a sort of a portfolio, just so you are aware, we do charge an ongoing fee for the management of that portfolio.\n\nSo very much the same as your super. It's 1.65%. That's essentially capped currently at balance of a 100 of 600,000. Sorry. And it's the the 1.65% is a yearly percentage fee for our services and monitoring ongoing.\n\nThis fee is deducted out of the investment portfolio each month in smaller increments, and the idea of a percentage based fee is that it does market is doing really well, it does mean that our fee is gonna be higher. However, when the market is taking a bit of a dip, it does mean that our fee is gonna be lower as well. So percentage based fee does fluctuate with whatever the market is doing, which is really good and benefits you. But just so you're fully aware, but I can outline that in the email for you as well. Does that sound okay?\n\nYeah. Beautiful. If you like, what I could also do is I can add a little budget plan in there for you. It's a little tool that we do like to use where you can kinda go through and have a think about what you might spend on certain things to kinda give you an idea of what your regular weekly expenditure might be or what kinda income you might need to account for. Does that sound like something you'd be open to doing as well?\n\nYep. Yeah. Yeah. Yep. Yep.\n\nYeah. Yeah. Yeah. A bit tough. Yeah.\n\nNo. That's okay. Well, if you like, I'll drop it'll be a nice big email for you both. It'll outline, obviously, the fee structure of investing outside super, what we'll need to correlate to be able to do the research for you on all of these aspects. What we can do, if you're comfortable, you can send me all the information.\n\nI can do a bit of research around what that looks like and what we might be you know, the outcome might be, a bit of projecting. And then we can come back in the new financial year and have another joint conversation with you guys and just, you know, have a talk about what your goals are, what the research has been able to look at, really look at the risk profile in detail, and then come up with a plan moving forward. Does that sound okay? Yeah. Perfect.\n\nDoes that sound alright with you, Christopher? You? All good? Yeah. Beautiful.\n\nAll good. Just double checking. Christopher, do you prefer Chris or Christopher? I don't, you know, like to double check that. Sorry.\n\nChris is good? All good. Perfect. Perfect. No problem at all.\n\nBut just while we are kinda talking about the properties here, I do have the properties noted from the last year. I just want to double check which property is valued at which and what loan is on which. Now you said one property has a a loan value owing of 44,000. I only have with the properties noted here, I've got one that is a Harvey Bay property, which is investment property one. I have a second investment property and a third one, which you purchased last year.\n\nWhich one of those would be the 44,000 owing? Yep. Perfect. So loan value on that one sitting at 44,000, and that's fully offset. Yep.\n\nBeautiful. That's okay. Yeah. Just to update all the all the sec all the details here. So the second investment property, I don't have any kind of note of where it's located, but I had an asset value of 650,000 on that one, and it had a debt of 350,000 last year.\n\nOkay. Yep. Yep. Okay. So this one here, I'll just put a note next to it saying, so $3.75 in the offset.\n\nBeautiful. So that one only has a small amount owing. Excellent. Owing difference. Yep.\n\nIs that the one that you purchased last year? Yep. So Sunbury. Beautiful. It's owing $5.32.\n\nBeautiful. Yep. Okay. And that's $5.60. Yes.\n\nSorry. Yep. Yep. Yep. Okay.\n\nPerfect. Yes. Yep. Yep. No.\n\nThat's okay. That's not a problem at all. So $3.60 0 in there as well. Beautiful. Now with each of those properties, the one in WA, what's the asset value you put on that property at the moment?\n\n6 150 and something. Yep. Okay. Perfect. Perfect.\n\nAnd then with the one in Sunbury, what's the evaluation you put on that one? $7.50? Yep. That's okay. And the one just outside of Harvey Bay, we had a an asset value of 650,000 on that one.\n\n$7.50. Yep. Perfect. There we go. And then the one in Harvey Bay, we had here last year 650,000 on that one there as well.\n\nOkay. Perfect. Perfect. Excellent. Other than that, income wise, because we are looking at the additional contributions and making a deductible, I need to sort of confirm what your income estimate is supposed to be for this year when you consider your total income.\n\nSo when you consider what the account is gonna look at with from the property is, what do you estimate your total income should be gross this year? Sorry. Yep. Yep. Yep.\n\nYeah. Yeah. No. That's yep. Yep.\n\nThat's okay. I just need to work out what your gross income is expected to be for this for this financial year total just so I can kinda work out what what the contribution looks like and how that might provide you a benefit and, yeah, affect you essentially. Yep. Yep. Okay.\n\nPerfect. So $1.20 without any deductions. Do you know what the deductions might sort of expected to look like to bring your the income component down for you at? No. Yeah.\n\nNo. That's okay. If you like, I can put that in the email for you. If you just sort of reply back with what the gross income might look like, then I can kind of go from there for you. Is that alright?\n\nYep. Perfect. Yep. Yep. Yeah.\n\nLove that. Yep. Yeah. Yep. Yep.\n\nYeah. No. That's okay. Not a problem at all. I'll pop that into the email there as well.\n\nThis will be a pretty bulky email for you, but it'll kinda contain everything that we need to be able to help you out and get the advice. But I'll pop it in the email for you so if you just confirm that for me. Is that okay? Yep. Fantastic.\n\nExcellent. And you kinda mentioned that you do guys travel around a lot for work. You're still in the same area. I've got down here that you're in technically construction industry and that your occupation is a safety adviser. Is that right?\n\nYep. Perfect. Fantastic. Lovely. And I've got down here for accessing super.\n\nWe were working on age 60. Obviously, you've got those other goals there where you're wanting to try and build wealth outside of super so you can retire around about 50, if not before. Is that still correct? Yep. Beautiful.\n\nI also had done here that you were sort of hoping to accumulate assets of around about two to two point five million net. Is that right? That's okay. You're right. As much as possible.\n\nI'm with you there. Absolutely. Absolutely. I got that. Not a problem at all.\n\nBeautiful. Excellent. Well, look, that's honestly really good. Is there any other goals or anything else that you can think of with regard to the properties or the advice that we're looking at at the moment that you might wanna kinda add into here? Yep.\n\nYep. Yep. Yep. Yes. Yeah.\n\nYep. Yeah. Yeah. Yep. No.\n\nThat's okay. Not a problem at all. Beautiful. Well, I think we've covered most things there. As I said, I'll put do up a really big email for you to call it all the things that we do need, the any additional questions that we might have.\n\nOnce we've kind of got all that detail, we can come back and just have another conversation around your goals, have a think about what it is when you're running to retire, what the income component might look like, anything else that might be relevant there. In the meantime, I can do a bit of research around what we've got, what what this might look projected wise, and then we can always come back and and reassess and do a nice big advice piece for you. Does that sound okay? Fantastic. Lovely.\n\nSo just to kinda go through your stupid now, now I did give you a balance before there, Laura. So your balance as of essentially yesterday's date was a 118,718 and 61¢ there. So it is definitely up. Having a look back at your annual review last year when you completed that with Tommy there, the balance in your account then was 96,209 and 70¢. So your super has done really, really well when we kinda break that down.\n\nYou're in that high growth kind of environment there. So at the moment, and in a high growth portfolio, you wanna see about 90% of your funds in those growth assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver, that's where you tend to see a lot of the returns from moving forward, and that's where you also see those those ups and downs of volatility that kinda make us a bit nervous as well. So at the moment, your current exposure is sitting at 93 there, which is within that range of what we'd like to see. And then you've got about 7% defensive.\n\nThe high growth portfolio normally sees about around about sort of 5% offensive. Seven's a little bit higher, but it's within range for discrepancies. And because of, you know, the way portfolios work, you do also see often see a little bit of a discrepancy in that. So we have a range. We're happy with about a 5% range either side of that for your high growth environment, and 7% defense is not bad at all.\n\nWhen I have a look at the total of how your portfolio has performed, Sorry. I'm just bringing up the report. I do apologize. Might be one second. Just gotta open it up.\n\nOops. My computer's a little bit slow. Work is a bit too hard today, I think. Gotta love technology. When you look at here at the portfolio, so net of fees, you've got a 12.39% return there.\n\nSo not bad in any way, shape, or form. With the high growth environment, as I kinda mentioned before, you are sort of wanting to be invested for at least eight years before accessing that super because of the risk that you are taking and the exposure that we do see there. This you you're still really young. You've got a lot more time than eight years before you're able to access your super at this stage. So you do fit within that high growth sort of environment there.\n\nAnd when we are looking at long term sustainable returns, the high growth portfolio, we're looking to achieve around about eight to 10% on a yearly basis. So the fact that you've received 12.39% net of fees, it's after our ongoing fee as well as any admin fees or super fees that are deducted there, does show that your portfolio has well and truly overperformed for the year, which is a really solid return. I tend to give everyone the the performance as a percentage, but also as a dollar figure as well. So the income and the growth, and that's what we're looking at. Your contributions do go into the portfolio, but they're essentially seen as capital or principal.\n\nWe look at when we're looking at the returns, the internal rate of return, the income that's produced out of those investments and the additional growth, so the changes in the market price of the investments there. And it shows that for the year, you've made about 14,003 sorry. $14,735.80 per year. So it's a really good return. You've achieved really well for the year, and it's it's really happy with that.\n\nDid you have any questions so far about any of it? Sorry. Yes. Yeah. Yeah.\n\nYeah. Yes. Perfect. Fantastic. When I do have a look at some of the investments in there, I can see one that is underperforming a little bit.\n\nAnd I know when Tommy spoke to you last year, he talked to you about the Australian equities component that been along Australian equities managed fund in there. Do you remember kinda talking to him about that last year? Yeah. Yeah. Yeah.\n\nSo it looks like last year was over underperforming a little bit there. And having a look at it now, it is still underperforming. So I would like to maybe update the advice for you and remove that out of that. I can also incorporate that into the advice piece for you. Maybe look at moving that out and putting something in its place that hasn't been underperforming as much.\n\nIt might also be a bit more cost effective for you to find a cheaper managed investment. Would that sound okay? Yep. Fantastic. Perfect.\n\nSo with the Bennelong team, just kind of get a guide on what you're sort of after investment wise with your super. Bennelong Australian Equities is a managed funder. They generally hold between 15 to 25 different investment options. The investment manager of that is more of an active manager, so their job is to buy and sell investments, time the market, and try to outperform against the market or the indices that they're trying to sort of track. We can, if you wanted to, look to maybe reduce the cost a bit and change that to have a more passive investment.\n\nPassive investments might be more diversified, have more underlying investments there, and are designed to track the market or the industries instead of trying to outperform it, which means that they have less risk of underperforming against the market. Did you want me to look at something more cost perspective, or did you want more of an actively managed in there? Or what's your thoughts around that? Yeah. Yeah.\n\nPerfect. I'll have a really good look at everything for you. I can incorporate that into the advice piece of your contribution if you like, and then we can come back and have a really good chat about what we're what we're gonna switch that for you. Okay? Perfect.\n\nNow the other thing to sorta have a chat about is the insurance side of things. So just having a look, you do have insurances that are paid out of your super fund at the moment. With your MetLife policy there, you do have you've got some life cover. So the life cover has some insured at the moment of 551,250. You have the same amount of TBD cover there.\n\nHaving a look, you don't have any income protection and don't have any trauma or any additional covers outside of so far. Are you happy with the amount of coverage that you have given that your investment properties are pretty well, you know, self managed and you're paying them down nice and fast and you have very much low expenditure. Or did you wanna maybe look at reevaluating those levels of cover? What are your thoughts there at the moment? Yep.\n\nBeautiful. And with not having income protection, I know you do have those four investment properties there. And, like, if you were not able to work, I know Chris is still working, and you've probably you've got money in the offset to sort of suffice. You're comfortable not having any income protection or any additional insurances. You're just happy with the life and TPD.\n\nIs that right? Yep. No. That's okay. Absolutely.\n\nFantastic. And just looking at the beneficiary side of things as well there. So I can see we do have Chris noted as your beneficiary in the event of passing your super and your life insurance is paid after him at a 100%. You're comfortable with that? That's the way you want that sort of structured?\n\nYep. Fantastic. Look, everything is working really well very nicely. I've got a really good idea of where we're sort of going with things. There there's no need to sort of change the insurances now, which is a positive sign for you.\n\nJust double checking, having a look at the other estate planning side of things, I've got a note here that you do have a will and power of attorney. They're all still active and in place and reflect your current wishes. Is that right? Yeah. Fantastic.\n\nPerfect. And how's your health been for the last twelve months? No major changes. Everything's going really well? Oh, fantastic.\n\nThat's what we wanna hear. Excellent. Excellent. The only other thing to sort of confirm now, as we kinda mentioned you are in that high growth environment there, I've just got a really quick risk profile just to kinda gauge whether we've gotta make any changes to your portfolio. I don't think there are any changes to make there.\n\nYou kinda sort of also mentioned to me that super sort of a backup plan. Your main plan is, you know, looking at investment properties and investing in your own name outside of super there. If you did see the market take a bit of a dip with your current balance and say it did fall by 20% in the next sort of one or two or even three years there, knowing that you're not able to access your money, how do you sort of feel about your super balance taking that sort of a dip in the short term? Do you consider that you'd be quite concerned, maybe wanting to sell the investments? Do you think it's maybe more of an investment opportunity, or are you probably just wanting to hold and wait and see what happens?\n\nWhat's your thought? Yep. Trust the process. I love it. All good.\n\nThe other question here is looking at what kind of reasonable rate of return you're expecting to achieve from your investments. I've ticked number one, trying to obtain the best return you possibly can for the risk level you're taking. Is that accurate? Yep. Fantastic.\n\nAnd the last one here is have you ever seen your super full in value? I'm sort of noting that you're not really sort of worried. Any sort of major drops in your super, you're happy to to sort of wait and still, you wouldn't be too concerned about that. Yep. Yeah.\n\nNo. That's okay. Not a problem at all. And the last one here is looking at have you ever thought about taking out a loan to invest? You did say last year that you would so long as you have the right sort of advice around that, and you have borrowed to buy those investment properties.\n\nSo taking number one there that you are comfortable borrowing to invest given your time horizon at the moment. Is that right, or would you alter that decision? That sounds fine. Yep. Yep.\n\nBeautiful. Well, you've definitely scored there as a high growth investor given your time horizon and the way your super is growing. And, obviously, you know, the way you are in your life, it does sound like the right place to be. If you ever are finding or hearing anything in the out in the market or in the news that is concerning, please feel free to give us a call. We are definitely here to help you.\n\nWe do wanted to do these reviews a bit more regularly with you. Did you want us to do a bit of a catch up with regard to your super in maybe the next six months or three months, or are you happy with just the review once a year? What would you kinda prefer moving forward? Yeah. Six monthly?\n\nYeah. Perfect. I'll put that in the calendar there for you so my team will touch base. In about six months, they'll do a bit more of a a review, sorry, around your super just to kinda give you a bit of a quick catch up and see how things are traveling there for you. In the meantime, I'm gonna shoot through after the call your annual review documents as there there as well.\n\nSo it does have a portfolio report to show you. Essentially, what I was looking at when looking at the returns and give you a bit of a breakdown of how your super's been performing. It's also got the certificate of currency there for you. I've got the financial services guide. So I'm not sure if we've spoken before.\n\nIt doesn't look like we have, but I'm a full licensed adviser the same as the others here and Tommy was. Essentially, all of that information's in the financial services guide. That one's who I am, what I do, has a lovely picture of me in there for you if you wanna have a bit of a look at that, and, also, my registration information as I'm a licensed adviser through Asics. So you can have a bit of a look through that, get a bit of a guide on who we are, what we do, and how we do it. And, Chris, if you wanted to have a bit of a look through that, absolutely.\n\nIt just breaks down a bit more around our services, who we are, what we do, how we do it, and what advisers essentially do. I'll also have the ongoing service agreement attached there. So if you find you're happy with the services, wanna stay onboard for the next twelve months there, I'll just get you to sign and return that one back there for us, Laura. That just allows us to keep looking after your super, providing the services, and updating the advice in relation to super. And then I'll send that other email out separately to you, just to we'll just correlate all the data so we can have a bit of a a look at what your goals and objectives are, and we'll come back and have another conversation when you're come when you guys are ready to really look at, you know, what the research looks like, what your goals are, and what we can maybe do advice wise to help you along investing in your own name.\n\nHow does that sound so far? Yeah. All good. Fantastic. Everything that's kind of everything I needed to touch on now.\n\nI think the main thing is to get that email out to you and kinda correlate the data. I'll get the information back as quickly as if you can get that back to me as quickly as you can in relation to your income side of things and the catch up contributions, just so I can correlate that advice case there for you, Laura, and get that update up to date. Chris, because I don't have access to your super, I can't can't give you personal advice there. But if you wanted to send me yours, I could give you a bit of a breakdown on, you know, essentially making a deductible contribution. Or, alternatively, if you just look at your catch up contributions, it tells you how much you have available cap space, and you'll be able to utilize that as well.\n\nIs that okay? Yeah. Yeah. Love to have more of a chat about your super and have a look at what we can do moving forward. Absolutely.\n\nDo you guys have any other questions? Is there something I've missed or haven't touched on that you maybe wanted me to touch on for either of you? Or yeah. Yeah. Yep.\n\nYes. Yeah. Yep. Yeah. Yeah.\n\nYeah. Oh, yeah. Wow. Wow. Yeah.\n\nYeah. Because it's in court, you may not be able to do anything until it goes to the legal process. But I'll see if there's a solicitor or someone I can refer you through to to maybe have a look at that in a bit more detail. But, yeah, I'll see what I can find and maybe get some additional information there for you. It might just be that that's all kind of locked away for the moment.\n\nSo, Chris, is that all your super, or do you have other super that you're getting money paid into at the moment as well? Okay. Yep. Yeah. Yeah.\n\nStill. No. Still a lot of money to have sitting there not doing anything now, isn't it? Yeah. No.\n\nNo. No. Definitely. And your money's working over here in the other super funds. So that's okay.\n\nNo. Absolutely. Look. It honestly does look like the money will unfortunately be tied up until it goes through the court process, but I can have a bit of a look and find out what what I can find information wise. And if there's maybe a solicitor we can refer you through to to maybe have a conversation around that, I will.\n\nBut I'll do a bit of research for you and see what we can come up with there. That's a bit of a shame. You probably had some high hopes from that one property. So the intention with that SMSF, are you sort of hoping to just kinda get through the court process, get your funds back, and maybe close it off, or do you kinda hope they're gonna get that property built? Or what do you sort of think down the track you would hope to get from this?\n\nYeah. No. That's understandable. That's okay. As I said, I'll find out what I can about that.\n\nI'll see if there's a solicitor I can refer you through to sort of help you along. In the meantime, I will send you a really nice, big, bulky email with the things we need to correlate for the extra advice there for you. We'll look at your income, look at the deductible contribution. I'll do some research around the additional investment in super and see what we can switch to that too and how that looks there for you. And then we'll come back and have a bit more of another conversation and and look at what your goals are with regards to investing in your own name and see what we can do to help.\n\nOkay? In your own name and see what we can do to help. Okay? No. That's okay.\n\nThank you so much. I'll let you guys go for the afternoon. If there's anything else, let me know. Laura, you also have my email address. So if anything else comes up that you've missed or that you need additional, let me know.\n\nAlways happy to make more time to come back and talk. We'll get the contribution side of things sorted for you because that's more time sensitive given we're in June. And then we'll come back and look more in detail at the the other side of the advice for you guys. Okay? Oh, my pleasure.\n\nIt's been a pleasure to catch up with you both. It's been a really good you've got a lot going on, so we'll definitely see what we can do to help. Not a problem at all. You both have an amazing afternoon. Thank you for your time.\n\nThanks. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Laura.","start":2.72,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.1272844523191452},{"text":"This is Dana from Okie Financial.","start":3.1999998,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.1690837194522222},{"text":"How are you this afternoon?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.23102623522281646},{"text":"I'm very well.","start":7.8399997,"end":8.72,"sentiment":"positive","sentiment_score":0.5611594319343567},{"text":"Thank you.","start":8.72,"end":9.2,"sentiment":"positive","sentiment_score":0.6949985027313232}],"sentiment":"neutral","sentiment_score":0.30542653881841236,"num_words":18,"start":2.72,"end":9.2},{"sentences":[{"text":"I had you put in to go through your annual review today.","start":9.2,"end":11.44,"sentiment":"positive","sentiment_score":0.3377657507856687},{"text":"Is now still a good time there for you?","start":11.44,"end":13.46,"sentiment":"neutral","sentiment_score":0.30559880203670925},{"text":"Fantastic.","start":15.255,"end":15.755,"sentiment":"positive","sentiment_score":0.6745071411132812},{"text":"Laura, just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":16.135,"end":20.775,"sentiment":"neutral","sentiment_score":0.2443915799908016},{"text":"Are you happy for us to proceed with that?","start":20.775,"end":22.795,"sentiment":"neutral","sentiment_score":0.24497786660989126}],"sentiment":"neutral","sentiment_score":0.2834054168175768,"num_words":54,"start":9.2,"end":22.795},{"sentences":[{"text":"Fantastic.","start":24.375,"end":24.875,"sentiment":"positive","sentiment_score":0.5817490220069885},{"text":"And, also, just for the security there with you, I'd just like you to confirm your full name, your date of birth, and address I should have on file as well.","start":25.015,"end":37.089996,"sentiment":"neutral","sentiment_score":0.1433189344261923},{"text":"Fantastic.","start":38.829998,"end":39.329998,"sentiment":"positive","sentiment_score":0.48033756017684937},{"text":"And how's your day being so far?","start":39.55,"end":41.329998,"sentiment":"neutral","sentiment_score":0.24783126371247427},{"text":"Oh, yeah.","start":41.955,"end":44.115,"sentiment":"neutral","sentiment_score":0.1524473875761032}],"sentiment":"neutral","sentiment_score":0.17963540882226967,"num_words":42,"start":24.375,"end":44.115},{"sentences":[{"text":"Good.","start":44.115,"end":44.435,"sentiment":"positive","sentiment_score":0.37697887420654297},{"text":"Busy, but that's why we like it.","start":44.435,"end":46.215,"sentiment":"positive","sentiment_score":0.41664785146713257},{"text":"Getting close to the weekend.","start":46.275,"end":47.655003,"sentiment":"neutral","sentiment_score":0.17634028494358062},{"text":"All good, Laura.","start":48.915,"end":49.975002,"sentiment":"positive","sentiment_score":0.3865595757961273},{"text":"As part of the annual review, just to sort of check-in, is there anything particular you wanted to sort of touch base on or any questions that you might have that you wanted me to sort of go through with you this this afternoon?","start":50.195,"end":59.850002,"sentiment":"neutral","sentiment_score":0.09258586633950472}],"sentiment":"neutral","sentiment_score":0.15681120175868274,"num_words":60,"start":44.115,"end":59.850002},{"sentences":[{"text":"Yeah.","start":62.95,"end":63.350002,"sentiment":"neutral","sentiment_score":0.09582224488258362},{"text":"Absolutely.","start":63.350002,"end":63.850002,"sentiment":"neutral","sentiment_score":0.1548924595117569},{"text":"Go for it.","start":64.23,"end":65.13,"sentiment":"neutral","sentiment_score":0.1366234595576922},{"text":"Yes.","start":75.045,"end":75.545,"sentiment":"neutral","sentiment_score":0.006154305301606655},{"text":"Right.","start":79.765,"end":80.265,"sentiment":"neutral","sentiment_score":-0.007705986499786377}],"sentiment":"neutral","sentiment_score":0.09414762883846249,"num_words":7,"start":62.95,"end":80.265},{"sentences":[{"text":"Yeah.","start":81.46,"end":81.96,"sentiment":"neutral","sentiment_score":-0.012596691027283669},{"text":"No.","start":92.1,"end":92.5,"sentiment":"neutral","sentiment_score":-0.1381503939628601},{"text":"So we don't because we're financial advisers.","start":92.5,"end":94.58,"sentiment":"neutral","sentiment_score":-0.12982653294290816},{"text":"We're not tax accountants.","start":94.58,"end":95.83501,"sentiment":"neutral","sentiment_score":-0.1196842510253191},{"text":"We could.","start":96.775,"end":97.175,"sentiment":"neutral","sentiment_score":0.019426949322223663}],"sentiment":"neutral","sentiment_score":-0.09996106140315533,"num_words":15,"start":81.46,"end":97.175},{"sentences":[{"text":"However, if you like, I could find out I believe we do have an account that we could refer you through to.","start":97.175,"end":102.935005,"sentiment":"neutral","sentiment_score":0.05814148494127122},{"text":"So I can get that information and send it to you if you like after the call, and you're welcome to touch base with them and decide whether you're comfortable proceeding with them at all.","start":102.935005,"end":110.61,"sentiment":"neutral","sentiment_score":0.0965186277304643},{"text":"It is completely separate from us.","start":110.61,"end":112.05,"sentiment":"neutral","sentiment_score":-0.011632810036341349},{"text":"It's just someone we know that we tend to like that do really well and look after our clients quite well.","start":112.05,"end":117.65,"sentiment":"neutral","sentiment_score":0.2357308735982293},{"text":"So we can provide that information to you for you to have a bit of a look at if you would like.","start":117.65,"end":122.23,"sentiment":"neutral","sentiment_score":0.18968096951192076}],"sentiment":"neutral","sentiment_score":0.12934714579133247,"num_words":106,"start":97.175,"end":122.23},{"sentences":[{"text":"Yeah.","start":124.174995,"end":124.655,"sentiment":"neutral","sentiment_score":0.2198180854320526},{"text":"Not a 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done.","start":143.23,"end":143.97,"sentiment":"positive","sentiment_score":0.43225760757923126},{"text":"No 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because it sounds like the other two properties that you're paying down faster are principal and interest.","start":232.95,"end":238.15,"sentiment":"neutral","sentiment_score":0.0075319694976011915},{"text":"Is that right?","start":238.15,"end":239.04999,"sentiment":"neutral","sentiment_score":0.03370700404047966},{"text":"Yep.","start":241.26999,"end":241.76999,"sentiment":"neutral","sentiment_score":0.008863519877195358},{"text":"Yep.","start":248.64499,"end":249.14499,"sentiment":"neutral","sentiment_score":0.03480491787195206}],"sentiment":"neutral","sentiment_score":0.008382050630946955,"num_words":24,"start":232.62999,"end":249.14499},{"sentences":[{"text":"That's fine.","start":251.92499,"end":252.98499,"sentiment":"neutral","sentiment_score":0.14065060950815678},{"text":"Oh, yes.","start":254.00499,"end":254.64499,"sentiment":"neutral","sentiment_score":0.12058498710393906},{"text":"Not a problem at 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loan?","start":266.97,"end":274.52502,"sentiment":"neutral","sentiment_score":0.05864147562533617},{"text":"Mhmm.","start":278.105,"end":278.605,"sentiment":"neutral","sentiment_score":0.04167850315570831}],"sentiment":"neutral","sentiment_score":0.07461945607494085,"num_words":39,"start":264.25,"end":278.605},{"sentences":[{"text":"Yep.","start":279.545,"end":280.045,"sentiment":"neutral","sentiment_score":0.08740918338298798},{"text":"Yep.","start":288.28,"end":288.68,"sentiment":"neutral","sentiment_score":0.07590773701667786},{"text":"Yep.","start":288.68,"end":289.18,"sentiment":"neutral","sentiment_score":0.05364004895091057},{"text":"Okay.","start":291.24,"end":291.74,"sentiment":"neutral","sentiment_score":0.08515223860740662},{"text":"No worries at all.","start":291.88,"end":293.26,"sentiment":"neutral","sentiment_score":0.10896397568285465}],"sentiment":"neutral","sentiment_score":0.0922456388361752,"num_words":8,"start":279.545,"end":293.26},{"sentences":[{"text":"Yep.","start":293.56,"end":294.06,"sentiment":"neutral","sentiment_score":0.11221985518932344},{"text":"Yes.","start":298.61502,"end":299.11502,"sentiment":"neutral","sentiment_score":0.1276266872882843},{"text":"That's right.","start":299.89502,"end":300.61502,"sentiment":"neutral","sentiment_score":0.18273071199655533},{"text":"Yeah.","start":300.61502,"end":300.855,"sentiment":"neutral","sentiment_score":0.14628686010837555},{"text":"Because putting it into the loan and reducing it and closing the loan off means that you would have to go back through servicing.","start":300.855,"end":305.975,"sentiment":"neutral","sentiment_score":0.05546541418880224}],"sentiment":"neutral","sentiment_score":0.07181947472794302,"num_words":29,"start":293.56,"end":305.975},{"sentences":[{"text":"Whereas just putting in the offset account, you still have the loan physically open.","start":305.975,"end":309.515,"sentiment":"neutral","sentiment_score":0.18969105450170382},{"text":"You don't then have to go through new servicing to be able to reuse that money if you did find something else you wanted to put that towards.","start":309.71,"end":316.61002,"sentiment":"neutral","sentiment_score":0.13782716595700809},{"text":"With the two loans that you're paying down at the moment, you've mentioned the other two that well, the other property that you then wanna pay down is interest only, and it's on a fixed term.","start":317.55002,"end":327.99503,"sentiment":"neutral","sentiment_score":0.047816946274704404},{"text":"Is that right?","start":327.99503,"end":328.815,"sentiment":"neutral","sentiment_score":0.0469374085466067},{"text":"Yep.","start":331.99503,"end":332.39502,"sentiment":"neutral","sentiment_score":0.10193438827991486}],"sentiment":"neutral","sentiment_score":0.10340234255645334,"num_words":82,"start":305.975,"end":332.39502},{"sentences":[{"text":"And these two you're paying down the ones that you're paying down at the moment, they're both on variable rates.","start":332.39502,"end":336.795,"sentiment":"neutral","sentiment_score":0.053593276347965},{"text":"Is that right?","start":336.795,"end":337.695,"sentiment":"neutral","sentiment_score":0.05522449811299642},{"text":"Yep.","start":349.05002,"end":349.55002,"sentiment":"neutral","sentiment_score":-0.0003874609246850014},{"text":"Okay.","start":350.905,"end":351.405,"sentiment":"neutral","sentiment_score":0.014377549290657043},{"text":"So you can have interest only on a variable rate or a fixed rate.","start":351.625,"end":354.505,"sentiment":"neutral","sentiment_score":0.008961049307669913}],"sentiment":"neutral","sentiment_score":0.035307276922349744,"num_words":39,"start":332.39502,"end":354.505},{"sentences":[{"text":"But if you're paying the loans down faster and it's actually affecting the interest, you're probably gonna be on a variable rate because realistically yeah.","start":354.505,"end":361.945,"sentiment":"neutral","sentiment_score":-0.020437351651489733},{"text":"Because fixed loans, you can't sort of pay down.","start":361.945,"end":363.865,"sentiment":"neutral","sentiment_score":0.1459636754459805},{"text":"They have a limit on how much extra payments you can make on a regular basis.","start":363.865,"end":367.43,"sentiment":"neutral","sentiment_score":0.17411987017840147},{"text":"You are definitely doing it the right way.","start":367.89,"end":369.57,"sentiment":"positive","sentiment_score":0.5782931819558144},{"text":"Continue doing it the the way that you are.","start":369.57,"end":371.83,"sentiment":"positive","sentiment_score":0.5506057010756599}],"sentiment":"neutral","sentiment_score":0.1965739399389322,"num_words":67,"start":354.505,"end":371.83},{"sentences":[{"text":"Essentially, by utilizing the offset, you are keeping the loan open.","start":372.13,"end":375.25,"sentiment":"positive","sentiment_score":0.3521771078759974},{"text":"You don't have to go back to servicing if something happens, if you need to, or find a way to use that money again.","start":375.25,"end":380.96503,"sentiment":"neutral","sentiment_score":0.20690213733663163},{"text":"When you get the loan paid down and fully offset, if you then decide to close the loan, you absolutely can do so.","start":381.42502,"end":387.20502,"sentiment":"neutral","sentiment_score":0.29607489381147467},{"text":"But what you can also be doing is once you get that loan fully paid down and fully offset, you can continue to put money into the offset and build that up even more so that when those other loans come off, the interest only terms and all their fixed terms, you can then put a large chunk of money over into those additional loans if you want to as well.","start":387.58502,"end":406.845,"sentiment":"positive","sentiment_score":0.3570767487858383},{"text":"So you are doing it the right way.","start":406.845,"end":408.525,"sentiment":"positive","sentiment_score":0.5422316007316113}],"sentiment":"neutral","sentiment_score":0.3309461606571274,"num_words":137,"start":372.13,"end":408.525},{"sentences":[{"text":"I would continue doing it the exact way you are.","start":408.525,"end":411.025,"sentiment":"positive","sentiment_score":0.49780154824256895},{"text":"You seem to be putting a lot of extra money in on a regular basis and offsetting those loans as much as possible.","start":411.32498,"end":416.60498,"sentiment":"positive","sentiment_score":0.4253328785948131},{"text":"So your broker had the right idea, in my opinion, of of doing it this this way.","start":416.60498,"end":421.82,"sentiment":"positive","sentiment_score":0.4681611429242527},{"text":"Yeah.","start":421.82,"end":422.32,"sentiment":"neutral","sentiment_score":0.18716508150100708},{"text":"Yeah.","start":423.74,"end":424.24,"sentiment":"neutral","sentiment_score":0.03988637402653694}],"sentiment":"positive","sentiment_score":0.44127812644896597,"num_words":52,"start":408.525,"end":424.24},{"sentences":[{"text":"Yeah.","start":433.03497,"end":433.53497,"sentiment":"neutral","sentiment_score":0.03847365826368332},{"text":"Yeah.","start":438.715,"end":439.215,"sentiment":"neutral","sentiment_score":0.024076219648122787},{"text":"Well, either way, so as long as that that offset account is fully offsetting or is a 100% offsetting a loan, it doesn't really matter where it's sitting.","start":449.61,"end":457.025,"sentiment":"neutral","sentiment_score":0.07075057697615453},{"text":"If it's sitting on the loan, it reduces the actual loan amount that you have owing.","start":457.025,"end":461.44498,"sentiment":"neutral","sentiment_score":0.09181126370094717},{"text":"If you have it sitting in the offset account, the loan amount still says exactly what you have owing, but you are still offsetting the interest.","start":461.585,"end":468.645,"sentiment":"neutral","sentiment_score":0.013268412252028402}],"sentiment":"neutral","sentiment_score":0.05357673570850036,"num_words":72,"start":433.03497,"end":468.645},{"sentences":[{"text":"So it the offset account does the exact same thing.","start":468.705,"end":471.99,"sentiment":"neutral","sentiment_score":0.18434874676167964},{"text":"It's more just the rate your ability that sort of allows you more flexibility with that.","start":471.99,"end":476.55,"sentiment":"neutral","sentiment_score":0.2772944010794163},{"text":"So if you use the offset account as much as possible, you can take that money back whenever you need to, whereas putting it on the loan reduces the loan amount, but then you have to kinda redraw off if you want that money back again.","start":476.55,"end":488.535,"sentiment":"neutral","sentiment_score":0.14000052318948766},{"text":"But both of them will offset the interest as long as the offset account set up correctly.","start":488.755,"end":493.095,"sentiment":"neutral","sentiment_score":0.08510051295161247},{"text":"Yeah.","start":493.315,"end":493.815,"sentiment":"neutral","sentiment_score":0.05385541543364525}],"sentiment":"neutral","sentiment_score":0.1580087343023883,"num_words":90,"start":468.705,"end":493.815},{"sentences":[{"text":"Yeah.","start":500.53,"end":500.61,"sentiment":"neutral","sentiment_score":0.05284510552883148},{"text":"Absolutely.","start":500.61,"end":501.11,"sentiment":"neutral","sentiment_score":0.1645057201385498},{"text":"Yeah.","start":505.81,"end":506.31,"sentiment":"neutral","sentiment_score":0.2243904322385788},{"text":"You're alright.","start":509.905,"end":510.625,"sentiment":"neutral","sentiment_score":0.008248769445344806},{"text":"You're fine.","start":510.625,"end":511.445,"sentiment":"neutral","sentiment_score":0.019343065097928047}],"sentiment":"neutral","sentiment_score":0.07098927528464369,"num_words":7,"start":500.53,"end":511.445},{"sentences":[{"text":"Yes.","start":524.88,"end":525.38,"sentiment":"neutral","sentiment_score":-0.011594745330512524},{"text":"Yeah.","start":536.495,"end":536.895,"sentiment":"neutral","sentiment_score":0.05988454073667526},{"text":"So you're on yeah.","start":536.895,"end":538.735,"sentiment":"neutral","sentiment_score":0.06799675151705742},{"text":"You make a deductible contribution?","start":538.735,"end":540.195,"sentiment":"neutral","sentiment_score":0.10631826519966125},{"text":"Yeah.","start":540.975,"end":541.375,"sentiment":"neutral","sentiment_score":0.1922048032283783}],"sentiment":"neutral","sentiment_score":0.08700607755842309,"num_words":12,"start":524.88,"end":541.375},{"sentences":[{"text":"So you absolutely could.","start":541.375,"end":542.995,"sentiment":"positive","sentiment_score":0.388788066804409},{"text":"You've got one of two ways of doing it.","start":543.295,"end":545.055,"sentiment":"neutral","sentiment_score":0.2283431655830807},{"text":"So depending on what your overall tax outlook is looking like and this is not probably something to also talk to your accountant about.","start":545.055,"end":551.42004,"sentiment":"neutral","sentiment_score":0.002092944923788309},{"text":"But, realistically, if your if your income is really high and you have additional cap space, making a deductible contribution is great because that does offset, say, you put 10,000 into your super fund, you can then take that 10,000 back and claim that as a tax deduction, which reduces your how your overall, you know, total gross income, accessible income, essentially, which works out really, really well.","start":551.96,"end":575.88,"sentiment":"positive","sentiment_score":0.37448861866312866},{"text":"It just depends on how much you're wanting to put into your super as well.","start":575.88,"end":579.18,"sentiment":"neutral","sentiment_score":0.256894052028656}],"sentiment":"neutral","sentiment_score":0.2748259023763239,"num_words":120,"start":541.375,"end":579.18},{"sentences":[{"text":"Do you know because I'm just having a look.","start":579.96,"end":581.96,"sentiment":"neutral","sentiment_score":0.06926723155710432},{"text":"So for yourself there, Laura, your super is the balance at the moment is $118,007.01 8.","start":581.96,"end":588.2,"sentiment":"neutral","sentiment_score":0.06832420686259866},{"text":"So you are eligible to use any catch up space.","start":588.2,"end":590.7,"sentiment":"neutral","sentiment_score":0.10360240489244461},{"text":"What you could do if you would like is you could have a look at your if you can get into your myGov account and find out what your catch up contributions are.","start":590.91504,"end":598.995,"sentiment":"neutral","sentiment_score":0.12719158918568582},{"text":"We can have a you can find out what you've got accessible from the last five financial years that that haven't been used from the cap space, essentially.","start":598.995,"end":606.25995,"sentiment":"neutral","sentiment_score":0.08572377982948508}],"sentiment":"neutral","sentiment_score":0.0973979658447206,"num_words":96,"start":579.96,"end":606.25995},{"sentences":[{"text":"So if your employer hasn't been putting in the full 30,000 this year or last financial year or the $27.05 from previous financial years, you should have a little bit of extra cap space there.","start":606.39996,"end":616.74,"sentiment":"neutral","sentiment_score":0.05712161990148681},{"text":"If you check your myGov account, and if you like, I can send you an email after the call which directs you how to find that information, you can see what cap space you have left for this financial year, but then also the previous five financial years.","start":616.835,"end":628.53503,"sentiment":"neutral","sentiment_score":0.0932590989395976},{"text":"And, essentially, And, essentially, because your balance is under 500,000, you could be making a larger contribution in the super depending on what you're comfortable with to provide you with a bit of a tax deduction.","start":628.995,"end":639.36005,"sentiment":"neutral","sentiment_score":0.18790572664390007},{"text":"Are you comfortable with me after the call emailing that information through and getting you to have a quick look at your myGov and giving me that to kinda help you along with what you've got available?","start":640.94,"end":649.515,"sentiment":"neutral","sentiment_score":0.1904277769294945},{"text":"Yeah.","start":651.735,"end":652.235,"sentiment":"positive","sentiment_score":0.5069054961204529}],"sentiment":"neutral","sentiment_score":0.13243969966461705,"num_words":157,"start":606.39996,"end":652.235},{"sentences":[{"text":"Fantastic.","start":652.455,"end":652.955,"sentiment":"positive","sentiment_score":0.6061625480651855},{"text":"Not a problem at all.","start":653.415,"end":654.455,"sentiment":"neutral","sentiment_score":0.1374629870057106},{"text":"Do you have a set of sorry.","start":654.455,"end":656.295,"sentiment":"neutral","sentiment_score":-0.0584789232483932},{"text":"You're right.","start":656.295,"end":656.955,"sentiment":"neutral","sentiment_score":-0.04066688101738691},{"text":"Yeah.","start":662.42,"end":662.92,"sentiment":"neutral","sentiment_score":-0.08150647580623627}],"sentiment":"neutral","sentiment_score":0.045080298907123506,"num_words":16,"start":652.455,"end":662.92},{"sentences":[{"text":"That that fixed that.","start":666.33997,"end":667.56,"sentiment":"neutral","sentiment_score":-0.16307995468378067},{"text":"Not necessarily.","start":667.62,"end":668.44,"sentiment":"neutral","sentiment_score":-0.15302998572587967},{"text":"There are a couple of things to sorta consider.","start":668.98,"end":671.06,"sentiment":"neutral","sentiment_score":-0.11603010197480519},{"text":"So, obviously, the money is coming out of your cash flow and going into super, so you can't access that until you meet a a condition of release.","start":671.06,"end":677.485,"sentiment":"neutral","sentiment_score":-0.08679736285869565},{"text":"The other side is it is a lump sum that gets invested at one particular time.","start":677.865,"end":681.545,"sentiment":"neutral","sentiment_score":-0.025187598657794297}],"sentiment":"neutral","sentiment_score":-0.08196573638183585,"num_words":59,"start":666.33997,"end":681.545},{"sentences":[{"text":"So if you put 10 or 20,000 into super, as soon as that hits the cash account, that money is invested with the rest of your portfolio.","start":681.545,"end":688.5,"sentiment":"neutral","sentiment_score":-0.007082375801271862},{"text":"So it's not put in like dollar cost averaging, which means a large lump sum gets invested.","start":688.56,"end":692.98,"sentiment":"neutral","sentiment_score":-0.100451691843131},{"text":"Depending on market conditions, they could provide a hindrance to your return in the next year.","start":693.27997,"end":698.415,"sentiment":"neutral","sentiment_score":-0.2772177401930094},{"text":"It could provide a benefit.","start":698.415,"end":699.855,"sentiment":"neutral","sentiment_score":0.00542440339922905},{"text":"If the market's up, you know, you might buy less units of the investments that you're in.","start":699.855,"end":704.33496,"sentiment":"neutral","sentiment_score":-0.030024911879616624}],"sentiment":"neutral","sentiment_score":-0.08314253946357383,"num_words":82,"start":681.545,"end":704.33496},{"sentences":[{"text":"If the market is down, you might you might buy more.","start":704.33496,"end":707.39496,"sentiment":"neutral","sentiment_score":-0.11095447906038979},{"text":"It's more just about making sure that you're comfortable with whatever comes of that and making sure you're aware that you can't then take that money out if you don't if you do need it in the future.","start":707.855,"end":716.88,"sentiment":"neutral","sentiment_score":-0.08169337931873374},{"text":"So not putting in anything more than you're comfortable with.","start":717.10004,"end":719.74005,"sentiment":"neutral","sentiment_score":-0.23679586499929428},{"text":"Does that make sense?","start":719.74005,"end":720.80005,"sentiment":"neutral","sentiment_score":-0.010163519531488419},{"text":"Yeah.","start":722.71497,"end":723.035,"sentiment":"neutral","sentiment_score":0.246818870306015}],"sentiment":"neutral","sentiment_score":-0.10135377408732893,"num_words":64,"start":704.33496,"end":723.035},{"sentences":[{"text":"So the benefit of, like, with your employer contributions, they go in their dollar cost average in a regular basis.","start":723.035,"end":728.795,"sentiment":"neutral","sentiment_score":0.19587647765874863},{"text":"So you take advantage of the ups and downs that the market does see.","start":728.795,"end":731.595,"sentiment":"neutral","sentiment_score":0.22306637441787253},{"text":"And because moving forward, we're about to go into the phase where the employer contributions in line with your income payments, it means that if you get paid weekly or fortnight, your employer contributions are gonna have to go in that way as well.","start":731.595,"end":744.33,"sentiment":"neutral","sentiment_score":0.06653287308290601},{"text":"So you're actually gonna see a bit more proper dollar cost averaging.","start":744.33,"end":747.29,"sentiment":"neutral","sentiment_score":0.296176182727019},{"text":"So it means that on a week where the market is down, your super contributions might go in and you'll buy more units of the investment in a mark in a point where the market is up and the cost of those investments is a little bit higher, the same money goes in and buys a little less units.","start":747.29,"end":763.485,"sentiment":"neutral","sentiment_score":0.19000325162531967}],"sentiment":"neutral","sentiment_score":0.1659879949616855,"num_words":149,"start":723.035,"end":763.485},{"sentences":[{"text":"So you take advantage of the down times, but your employer contributions also keep going and giving you proper dollar cost averaging.","start":763.485,"end":769.97003,"sentiment":"positive","sentiment_score":0.34522071413018485},{"text":"So putting a larger lump sum in at one particular time means that that goes in and is automatically purchased purchased into whatever the market is doing at that particular time.","start":770.27,"end":779.715,"sentiment":"neutral","sentiment_score":0.2810360380718785},{"text":"We don't ever try to time the market, mostly because people who time the market tend to miss out.","start":779.955,"end":786.435,"sentiment":"neutral","sentiment_score":-0.1566334208963733},{"text":"So our philosophy is to just to buy into the market no matter what it's doing and keep buying into the market to make take a benefit of whatever the conditions are providing.","start":786.435,"end":795.575,"sentiment":"positive","sentiment_score":0.45011347080722},{"text":"It's it you tend to provide or get a better rate of return by participating in the market rather than trying to time the market.","start":795.85,"end":802.19,"sentiment":"positive","sentiment_score":0.4665907597541809}],"sentiment":"neutral","sentiment_score":0.3065342417273384,"num_words":130,"start":763.485,"end":802.19},{"sentences":[{"text":"Most people at time, if they missed out by one or two days over the length of five or ten years, it could be a couple of thousand dollars they've missed out on.","start":802.49,"end":810.49,"sentiment":"neutral","sentiment_score":0.07173039843187187},{"text":"So, yeah, as long as you're comfortable with that.","start":810.49,"end":813.34503,"sentiment":"neutral","sentiment_score":0.2592511889007356},{"text":"If you like, I can have a look at what your catch up contributions are and give you a bit of a breakdown of, you know, what you can put in.","start":813.34503,"end":819.685,"sentiment":"neutral","sentiment_score":0.15766982638066815},{"text":"Did you want more just general advice on what is available to you and allow you to make that decision yourself, or you're wanting us to kind of provide more personalized advice on making the contribution and the long term effect of that?","start":820.22504,"end":832.45,"sentiment":"neutral","sentiment_score":0.24771555149277977},{"text":"Yep.","start":839.245,"end":839.745,"sentiment":"neutral","sentiment_score":0.093040332198143}],"sentiment":"neutral","sentiment_score":0.17378579070552802,"num_words":117,"start":802.49,"end":839.745},{"sentences":[{"text":"Yes.","start":843.885,"end":844.385,"sentiment":"neutral","sentiment_score":0.07534429430961609},{"text":"Mhmm.","start":864.475,"end":864.975,"sentiment":"neutral","sentiment_score":0.04565636068582535},{"text":"Yeah.","start":871.27496,"end":871.77496,"sentiment":"neutral","sentiment_score":0.05367640405893326},{"text":"Yeah.","start":871.83496,"end":872.33496,"sentiment":"neutral","sentiment_score":0.10845165699720384},{"text":"Yes.","start":875.69,"end":876.19,"sentiment":"neutral","sentiment_score":0.3306092917919159}],"sentiment":"neutral","sentiment_score":0.12274760156869888,"num_words":5,"start":843.885,"end":876.19},{"sentences":[{"text":"Yeah.","start":879.21,"end":879.61,"sentiment":"neutral","sentiment_score":0.18453891575336456},{"text":"So it really just depends upon what your goals are, if you like, what we could do.","start":879.61,"end":883.61,"sentiment":"neutral","sentiment_score":0.26030318439006805},{"text":"Because I believe, Laura, you're you're a client of ours at the moment, but you're the only one your partner's not a client of ours at the moment.","start":883.61,"end":890.805,"sentiment":"neutral","sentiment_score":-0.0006770568766764232},{"text":"So, Christopher, I do apologize.","start":890.805,"end":892.185,"sentiment":"neutral","sentiment_score":-0.13822501227259637},{"text":"You're not actually on board as a client at the moment.","start":893.045,"end":895.125,"sentiment":"neutral","sentiment_score":-0.1555565284057097}],"sentiment":"neutral","sentiment_score":0.035298202967932145,"num_words":62,"start":879.21,"end":895.125},{"sentences":[{"text":"Is that right?","start":895.125,"end":895.945,"sentiment":"neutral","sentiment_score":-0.03700035189588865},{"text":"Yeah.","start":897.605,"end":898.005,"sentiment":"neutral","sentiment_score":0.0874018669128418},{"text":"So so, no, what we could definitely do and then it really depends on what your long term goals are, when you're wanting to access your funds, whether you're comfortable investing in your own name in the market, you know, how long you're wanting to invest for.","start":898.005,"end":913.37,"sentiment":"neutral","sentiment_score":0.18592102365924956},{"text":"There's a lot of different factors that go into what we do recommend.","start":913.565,"end":916.625,"sentiment":"neutral","sentiment_score":0.1692990964421859},{"text":"If you're wanting to utilize money in the offset account, we would need to look at what the loan looks like versus investing that money and looking at the outcome to see whether it's more beneficial keeping it on the loan or whether you're better off investing it.","start":917.245,"end":930.63995,"sentiment":"neutral","sentiment_score":0.0537375604811435}],"sentiment":"neutral","sentiment_score":0.12049089357190367,"num_words":112,"start":895.125,"end":930.63995},{"sentences":[{"text":"Diversifying is a great way, but you also gotta see a counter in the returns.","start":930.93994,"end":935.27997,"sentiment":"neutral","sentiment_score":0.33142856558163963},{"text":"The markets are very volatile.","start":935.33997,"end":936.95996,"sentiment":"neutral","sentiment_score":-0.17137126326560975},{"text":"And when you're taking money out of your home loan and investing that in the market, your home loan, you might be paying, you know, six or 7% on that.","start":937.5,"end":945.715,"sentiment":"neutral","sentiment_score":0.06363903731107712},{"text":"You wanna make sure that you're getting a higher rate of return, and that's definitely not guaranteed every year.","start":945.715,"end":950.855,"sentiment":"neutral","sentiment_score":0.12745039361087898},{"text":"So when you think about putting money into your offset account or onto your home loan, you're saving that interest.","start":951.155,"end":957.08,"sentiment":"neutral","sentiment_score":0.2463548150844872}],"sentiment":"neutral","sentiment_score":0.15025165243848657,"num_words":89,"start":930.93994,"end":957.08},{"sentences":[{"text":"So you're saving about a six or seven or 8% return depending on what your interest rate is, which is a guaranteed rate of return because you're saving that.","start":957.08,"end":964.77997,"sentiment":"neutral","sentiment_score":0.1964547688077236},{"text":"Whereas putting money into the market is absolutely fine.","start":964.84,"end":967.56,"sentiment":"neutral","sentiment_score":0.2514177726374732},{"text":"It's a great idea if you've got a longer time horizon, happy to invest for the ten or twenty years.","start":967.56,"end":972.51495,"sentiment":"positive","sentiment_score":0.4499993875622749},{"text":"But if you're only wanting to do it for the next sort of five to five odd years, it might not be a good option because you risk putting that money into the market, having a bit of a downturn, or taking that money off the loan, increasing how much you're gonna be paying in the way of repayments or interest on the loan and putting that into the market where you might only get a one or two or 3% return, in which case the return in the investment doesn't really make sense considering the return you would have made or the guaranteed return you would have made by putting the money in the offset and saving on that interest.","start":973.055,"end":1008.185,"sentiment":"negative","sentiment_score":-0.3525770569512667},{"text":"Does that make sense?","start":1008.185,"end":1009.325,"sentiment":"neutral","sentiment_score":0.057327575981616974}],"sentiment":"neutral","sentiment_score":-0.13919441304245933,"num_words":183,"start":957.08,"end":1009.325},{"sentences":[{"text":"Yeah.","start":1011.4,"end":1011.9,"sentiment":"positive","sentiment_score":0.3520035147666931},{"text":"Yeah.","start":1012.44,"end":1012.84,"sentiment":"neutral","sentiment_score":0.06380794197320938},{"text":"So yeah.","start":1012.84,"end":1014.7,"sentiment":"neutral","sentiment_score":-0.042221689596772194},{"text":"Yeah.","start":1015.08,"end":1015.58,"sentiment":"neutral","sentiment_score":-0.02006964012980461},{"text":"Right.","start":1031.335,"end":1031.835,"sentiment":"neutral","sentiment_score":0.03199080750346184}],"sentiment":"neutral","sentiment_score":0.05721487415333589,"num_words":6,"start":1011.4,"end":1031.835},{"sentences":[{"text":"Yeah.","start":1035.03,"end":1035.53,"sentiment":"neutral","sentiment_score":-0.012602310627698898},{"text":"Yes.","start":1041.0376,"end":1041.5376,"sentiment":"neutral","sentiment_score":0.18851885199546817},{"text":"Yeah.","start":1062.1001,"end":1062.26,"sentiment":"neutral","sentiment_score":0.15530070662498474},{"text":"Yep.","start":1062.26,"end":1062.7401,"sentiment":"neutral","sentiment_score":0.17544439435005188},{"text":"Absolutely.","start":1062.7401,"end":1063.2401,"sentiment":"neutral","sentiment_score":-0.038646139204502106}],"sentiment":"neutral","sentiment_score":0.09360310062766075,"num_words":5,"start":1035.03,"end":1063.2401},{"sentences":[{"text":"So are you planning on keeping all three of those investment properties and paying them off and keeping all three of them as the income producer, or was your plan to maybe let them grow in value, sell one off, and pay the rest of the loans, live debt free from the others being rented out?","start":1064.1001,"end":1080.155,"sentiment":"neutral","sentiment_score":0.1775175603106618},{"text":"What was your kind of plan originally with those investment 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okay.","start":1160.02,"end":1160.66,"sentiment":"neutral","sentiment_score":-0.02172478660941124},{"text":"And it is definitely something to maybe consider and have a think about, especially when we are looking at and maybe investing in your name outside of super in the in, you know, outside of property there.","start":1160.66,"end":1170.74,"sentiment":"neutral","sentiment_score":0.13518770220311913},{"text":"If you are looking at putting money into the share market and building a a portfolio very similar to your super.","start":1170.74,"end":1176.0951,"sentiment":"neutral","sentiment_score":0.16223413851999102},{"text":"Looking at where you maybe wanna be in the next five years, do you want to still be doing this, or do you wanna have purchased a property?","start":1176.235,"end":1182.5751,"sentiment":"neutral","sentiment_score":0.06701171857171825}],"sentiment":"neutral","sentiment_score":0.11301895174501317,"num_words":89,"start":1159.7,"end":1182.5751},{"sentences":[{"text":"Because realistically, moving forward, there's one of two ways that you can do it.","start":1182.635,"end":1185.8351,"sentiment":"positive","sentiment_score":0.3949550815990993},{"text":"If you continue continue to pay down all three of these investment properties as you are, as you pay them all off, they become positively geared.","start":1185.8351,"end":1193.7201,"sentiment":"positive","sentiment_score":0.5408184814911622},{"text":"You can still rent them out and, you know, provide income, which will allow you to retire earlier.","start":1193.78,"end":1198.76,"sentiment":"positive","sentiment_score":0.4926198770602544},{"text":"Alternatively, what some people do is they also just let the one of the properties, the most valuable one possibly depending on the CGT consequences, sell one of those properties, use the proceeds to pay off any additional loans still on the other properties.","start":1199.3,"end":1215.8551,"sentiment":"neutral","sentiment_score":0.1886036233468489},{"text":"That then leaves you completely debt free and allowing you to, you know, receive income from those.","start":1216.13,"end":1220.87,"sentiment":"positive","sentiment_score":0.33627943343975963}],"sentiment":"positive","sentiment_score":0.35691696843680215,"num_words":119,"start":1182.635,"end":1220.87},{"sentences":[{"text":"It does leave you one property down.","start":1221.25,"end":1223.01,"sentiment":"neutral","sentiment_score":0.2940345449107034},{"text":"Sometimes, it's a bit of extra money.","start":1223.01,"end":1224.37,"sentiment":"neutral","sentiment_score":-0.01670193246432713},{"text":"It really just depends on what it is that you're after.","start":1224.37,"end":1226.79,"sentiment":"neutral","sentiment_score":0.03977361795577136},{"text":"But it also comes down to where you wanna live well.","start":1227.3301,"end":1229.625,"sentiment":"neutral","sentiment_score":0.1022579927336086},{"text":"Do you want to is there somewhere in particular that you wanna buy to live?","start":1229.625,"end":1232.985,"sentiment":"neutral","sentiment_score":0.06857634112238883}],"sentiment":"neutral","sentiment_score":0.08886904159889501,"num_words":51,"start":1221.25,"end":1232.985},{"sentences":[{"text":"Did you maybe wanna live in one of these properties and buy something else down the track as an investment property?","start":1232.985,"end":1238.4451,"sentiment":"neutral","sentiment_score":0.016524978159438996},{"text":"There's quite a few things to kind of think about goal wise to work out which way that you go or, you know, which strategy is gonna work better for you.","start":1239.225,"end":1248.54,"sentiment":"neutral","sentiment_score":0.036575649985142296},{"text":"So many questions.","start":1252.76,"end":1253.74,"sentiment":"neutral","sentiment_score":-0.10718747476736705},{"text":"Yeah.","start":1255.48,"end":1255.98,"sentiment":"neutral","sentiment_score":-0.15796944499015808},{"text":"Yep.","start":1262.175,"end":1262.675,"sentiment":"neutral","sentiment_score":-0.045863814651966095}],"sentiment":"neutral","sentiment_score":0.016762701876200083,"num_words":57,"start":1232.985,"end":1262.675},{"sentences":[{"text":"Yep.","start":1273.9501,"end":1274.4501,"sentiment":"neutral","sentiment_score":0.016614053398370743},{"text":"Yep.","start":1275.23,"end":1275.73,"sentiment":"neutral","sentiment_score":0.004358157515525818},{"text":"Yeah.","start":1276.99,"end":1277.49,"sentiment":"neutral","sentiment_score":0.00300014391541481},{"text":"Yeah.","start":1284.2051,"end":1284.7051,"sentiment":"neutral","sentiment_score":-0.11029834300279616},{"text":"Yeah.","start":1292.525,"end":1293.025,"sentiment":"negative","sentiment_score":-0.3345496356487274}],"sentiment":"neutral","sentiment_score":-0.08417512476444244,"num_words":5,"start":1273.9501,"end":1293.025},{"sentences":[{"text":"Yeah.","start":1295.9,"end":1296.4,"sentiment":"neutral","sentiment_score":-0.1319267749786377},{"text":"Yeah.","start":1300.3,"end":1300.8,"sentiment":"neutral","sentiment_score":0.17560520768165588},{"text":"Yeah.","start":1302.86,"end":1303.36,"sentiment":"neutral","sentiment_score":0.24184873700141907},{"text":"Yeah.","start":1305.915,"end":1306.415,"sentiment":"neutral","sentiment_score":0.14904940128326416},{"text":"Absolutely.","start":1309.5951,"end":1310.0951,"sentiment":"positive","sentiment_score":0.4375879764556885}],"sentiment":"neutral","sentiment_score":0.17443290948867798,"num_words":5,"start":1295.9,"end":1310.0951},{"sentences":[{"text":"No.","start":1310.4751,"end":1310.7151,"sentiment":"neutral","sentiment_score":0.31602758169174194},{"text":"That's okay.","start":1310.7151,"end":1311.275,"sentiment":"positive","sentiment_score":0.4098001569509506},{"text":"That's not a problem at all.","start":1311.275,"end":1312.555,"sentiment":"positive","sentiment_score":0.5421643455823263},{"text":"Well, it's definitely something to sort of have a think about, look at what your goals are, what you wanna achieve, you know, what your time horizon might look like.","start":1312.555,"end":1320.21,"sentiment":"positive","sentiment_score":0.5270083258549373},{"text":"It'd definitely be worth coming back and really having a good look at all the properties in detail, looking at what your goals are and how we maybe structure, you know, things in the future to help you meet that goal, and we can absolutely provide advice on that.","start":1320.69,"end":1333.9099,"sentiment":"positive","sentiment_score":0.5677663835943961}],"sentiment":"positive","sentiment_score":0.545675187964331,"num_words":88,"start":1310.4751,"end":1333.9099},{"sentences":[{"text":"Yeah.","start":1335.195,"end":1335.595,"sentiment":"neutral","sentiment_score":0.24035730957984924},{"text":"It comes down to when and when, you know, you when you've got an idea of what it is that you were sort of wanting to achieve, when you might wanna consider retiring.","start":1335.595,"end":1343.6749,"sentiment":"neutral","sentiment_score":0.1943113234910098},{"text":"I know here it sort of mentioned around about 50 to 55 last time.","start":1343.6749,"end":1349.135,"sentiment":"neutral","sentiment_score":0.07069612587136882},{"text":"Yeah.","start":1350.48,"end":1350.72,"sentiment":"neutral","sentiment_score":0.06206232309341431},{"text":"I had down here that you're sort of thinking 50.","start":1350.72,"end":1352.9,"sentiment":"neutral","sentiment_score":0.028757504560053347}],"sentiment":"neutral","sentiment_score":0.13545786636739465,"num_words":59,"start":1335.195,"end":1352.9},{"sentences":[{"text":"Yeah.","start":1355.12,"end":1355.62,"sentiment":"neutral","sentiment_score":0.028664730489254},{"text":"45.","start":1357.76,"end":1358.48,"sentiment":"neutral","sentiment_score":0.007831491529941559},{"text":"I mean, if we weren't LOTA, we'd all be out tomorrow.","start":1358.48,"end":1360.56,"sentiment":"neutral","sentiment_score":0.005522954870354046},{"text":"Right?","start":1360.56,"end":1361.06,"sentiment":"neutral","sentiment_score":0.05910508334636688},{"text":"Yeah.","start":1366.065,"end":1366.565,"sentiment":"neutral","sentiment_score":0.06385256350040436}],"sentiment":"neutral","sentiment_score":0.014680424829324086,"num_words":15,"start":1355.12,"end":1366.565},{"sentences":[{"text":"Yeah.","start":1367.105,"end":1367.605,"sentiment":"neutral","sentiment_score":0.06342633068561554},{"text":"Yeah.","start":1374.16,"end":1374.66,"sentiment":"neutral","sentiment_score":0.06503798067569733},{"text":"Absolutely.","start":1376.08,"end":1376.58,"sentiment":"neutral","sentiment_score":0.09742142260074615},{"text":"Yeah.","start":1378.08,"end":1378.56,"sentiment":"neutral","sentiment_score":0.05252199247479439},{"text":"No.","start":1378.56,"end":1378.88,"sentiment":"neutral","sentiment_score":0.008782930672168732}],"sentiment":"neutral","sentiment_score":0.05743813142180443,"num_words":5,"start":1367.105,"end":1378.88},{"sentences":[{"text":"Absolutely.","start":1378.88,"end":1379.38,"sentiment":"neutral","sentiment_score":0.06214626133441925},{"text":"Completely understandable.","start":1379.76,"end":1380.9,"sentiment":"neutral","sentiment_score":0.05115344189107418},{"text":"But, no, look, that is definitely advice we can look at down the track for you.","start":1381.36,"end":1384.64,"sentiment":"neutral","sentiment_score":0.12056639860384166},{"text":"If you just sort of work out what your goal age might be, what you're looking to do, I'd love to come back and have more of a conversation with you guys around that to sort of work out whether, you know, you invest outside of super or whether you just keep paying down those properties.","start":1384.64,"end":1398.615,"sentiment":"neutral","sentiment_score":0.2191122601340924},{"text":"But just a couple of things for you to kind of think about and consider and, you know, decide what you wanted to what you're thinking you might what your goal might be down the track.","start":1399.235,"end":1408.14,"sentiment":"neutral","sentiment_score":0.2753094861076938}],"sentiment":"neutral","sentiment_score":0.21869318549697464,"num_words":111,"start":1378.88,"end":1408.14},{"sentences":[{"text":"Does that make sense?","start":1408.14,"end":1409.2001,"sentiment":"neutral","sentiment_score":0.24975403398275375},{"text":"Yeah.","start":1410.62,"end":1411.12,"sentiment":"neutral","sentiment_score":0.08301839232444763},{"text":"All good.","start":1411.5,"end":1412.3201,"sentiment":"positive","sentiment_score":0.6962546706199646},{"text":"So for the time being, Laura, you're wanting me to just do some personal advice on making an additional contribution to Super?","start":1412.54,"end":1418.375,"sentiment":"neutral","sentiment_score":0.19200986691496588},{"text":"Yeah.","start":1427.155,"end":1427.655,"sentiment":"neutral","sentiment_score":0.03593046963214874}],"sentiment":"neutral","sentiment_score":0.22448971370855966,"num_words":30,"start":1408.14,"end":1427.655},{"sentences":[{"text":"Yep.","start":1431.63,"end":1432.13,"sentiment":"neutral","sentiment_score":0.06709657609462738},{"text":"Yep.","start":1436.8301,"end":1437.3301,"sentiment":"neutral","sentiment_score":0.08510926365852356},{"text":"Yeah.","start":1447.3251,"end":1447.8251,"sentiment":"neutral","sentiment_score":-0.016149692237377167},{"text":"Yep.","start":1449.245,"end":1449.745,"sentiment":"neutral","sentiment_score":0.026076819747686383},{"text":"Yeah.","start":1451.165,"end":1451.4851,"sentiment":"neutral","sentiment_score":-0.06401940435171127}],"sentiment":"neutral","sentiment_score":0.019622712582349777,"num_words":5,"start":1431.63,"end":1451.4851},{"sentences":[{"text":"The biggest the biggest risk with that is that if you do put money into the market in your own name and then you decide, hey.","start":1451.4851,"end":1457.0901,"sentiment":"negative","sentiment_score":-0.40814134363944715},{"text":"This isn't right for me or you see a really big dip, you then if you decide to take that money out, you are cementing that loss and taking the money back out, whereas it could have been more beneficial on your mortgage.","start":1457.15,"end":1467.995,"sentiment":"negative","sentiment_score":-0.4518571856410004},{"text":"So, yeah, I would just wanna be able to have a look at what your mortgages look like, look at the interest rates, but also assess what your goals are when you're wanting to access these funds.","start":1469.255,"end":1477.735,"sentiment":"neutral","sentiment_score":0.10642168791712942},{"text":"Because if you're willing to put the money into a into the share market and maybe be in a more of a higher risk environment, that's great for getting greater returns long term, but we'd also want you to be invested.","start":1477.735,"end":1489.75,"sentiment":"neutral","sentiment_score":0.07025292424893961},{"text":"Like, the high growth portfolio you're super currently in, we have a time horizon that we would want you to be invested for about eight years prior to accessing any of that money, and that's because you are taking more risk in the market.","start":1489.75,"end":1501.985,"sentiment":"neutral","sentiment_score":-0.07601735461503267}],"sentiment":"neutral","sentiment_score":-0.13910117891680507,"num_words":191,"start":1451.4851,"end":1501.985},{"sentences":[{"text":"As your balance increases, the returns increase, but it also means that you're opening yourself up to more of a downtime.","start":1502.445,"end":1508.465,"sentiment":"negative","sentiment_score":-0.3751007822297868},{"text":"And by taking more risk, you feel the downtime more aggressively, but it can take longer for your portfolio to recover there as well.","start":1508.9299,"end":1517.65,"sentiment":"negative","sentiment_score":-0.441114383439223},{"text":"So that is one risk that we do kind of like to open up to.","start":1517.65,"end":1520.865,"sentiment":"negative","sentiment_score":-0.3789350231488546},{"text":"But I don't want this to, you know, freak you out and be like, hey.","start":1521.345,"end":1523.985,"sentiment":"neutral","sentiment_score":-0.14616382072369258},{"text":"I don't ever wanna invest in shares.","start":1523.985,"end":1525.505,"sentiment":"neutral","sentiment_score":-0.21136842242309026}],"sentiment":"negative","sentiment_score":-0.3392673566392282,"num_words":82,"start":1502.445,"end":1525.505},{"sentences":[{"text":"It's a great way to build wealth so long as you've got the time horizon ahead of you, so long as you're willing to invest for a time that's long enough to allow your portfolio to do something to recover, knowing what the risks are in the shorter term, but also making sure you're comfortable.","start":1525.505,"end":1539.86,"sentiment":"positive","sentiment_score":0.4543618768453598},{"text":"So taking that money off the mortgage or not putting it in the mortgage, and possibly some years, you will see a lower a lower rate of return.","start":1539.86,"end":1548.2,"sentiment":"neutral","sentiment_score":0.16335827710905246},{"text":"So, you know, like your interest your home loan interest rate probably doesn't go down very often.","start":1548.26,"end":1553.385,"sentiment":"neutral","sentiment_score":-0.04576600956566194},{"text":"We see it go up more than anything.","start":1553.385,"end":1555.245,"sentiment":"neutral","sentiment_score":0.08110890630632639},{"text":"The share market has a kind of an an opposite effect to that.","start":1555.945,"end":1559.625,"sentiment":"neutral","sentiment_score":-0.21165783130205595}],"sentiment":"neutral","sentiment_score":0.22052258071451147,"num_words":121,"start":1525.505,"end":1559.625},{"sentences":[{"text":"So when we do see higher inflation rates and where we do see our mortgages increasing, you know, the RBA puts the interest rate up because we're spending a lot more.","start":1559.625,"end":1569.44,"sentiment":"neutral","sentiment_score":-0.1244540861056697},{"text":"There's more money around than what they would like us to have.","start":1569.44,"end":1572.98,"sentiment":"neutral","sentiment_score":-0.2083322616914908},{"text":"We do essentially see share markets take a bit of a dip in those sorts of times, which means your return, some years, will be only one, two, or 3%.","start":1573.6,"end":1581.415,"sentiment":"neutral","sentiment_score":-0.1114724572127064},{"text":"Some years, you could see a 15 or a 20% return.","start":1581.7151,"end":1584.6951,"sentiment":"neutral","sentiment_score":0.013788044114004482},{"text":"Returns are very much fluctuating.","start":1585.155,"end":1586.935,"sentiment":"neutral","sentiment_score":-0.08983367532491685}],"sentiment":"neutral","sentiment_score":-0.11235660019466716,"num_words":89,"start":1559.625,"end":1586.935},{"sentences":[{"text":"We diversify portfolios and make sure we're building them to try and mitigate as much risk as possible, but we can't mitigate a 100% of market risk.","start":1587.635,"end":1595.63,"sentiment":"neutral","sentiment_score":0.03167408746149805},{"text":"So it's just about confirming and working out whether putting the money on the mortgage is better for your goals or whether putting it into a share portfolio.","start":1595.63,"end":1603.25,"sentiment":"neutral","sentiment_score":0.1535719915160111},{"text":"So we just wanna know a bit more about what your goals are, what your time horizon is, what you're kind of wanting to achieve, the income that you think you're gonna need in retire or when you retire at 50 or 45 or whatever that agency or both, and then look at what your interest rates are, what you're putting on the mortgage.","start":1603.5499,"end":1620.67,"sentiment":"neutral","sentiment_score":0.14015779772307724},{"text":"Is it better on the mortgage or in an investment portfolio?","start":1620.67,"end":1623.5701,"sentiment":"neutral","sentiment_score":-0.008360262960195541},{"text":"We project that out to see what that might look like and how long that kinda takes to to work for you and if it's gonna be better either way.","start":1623.79,"end":1630.965,"sentiment":"neutral","sentiment_score":0.19036311618983745}],"sentiment":"neutral","sentiment_score":0.12340153607074171,"num_words":160,"start":1587.635,"end":1630.965},{"sentences":[{"text":"So it is a pretty big advice piece.","start":1630.965,"end":1632.905,"sentiment":"neutral","sentiment_score":0.2205051574856043},{"text":"It would definitely need to incorporate both of you for that, and it is something that, you know, in when you've kinda had an idea and had a bit of a chat at what is it you both wanna achieve, we can come back and definitely revisit for you.","start":1633.205,"end":1645.545,"sentiment":"positive","sentiment_score":0.42924729080832735},{"text":"Does that sound okay?","start":1645.6699,"end":1646.73,"sentiment":"neutral","sentiment_score":0.20194080844521523},{"text":"Yeah.","start":1647.19,"end":1647.69,"sentiment":"neutral","sentiment_score":0.16698020696640015},{"text":"Yeah.","start":1648.7899,"end":1649.2899,"sentiment":"neutral","sentiment_score":-0.043083786964416504}],"sentiment":"positive","sentiment_score":0.37664790735358283,"num_words":63,"start":1630.965,"end":1649.2899},{"sentences":[{"text":"Mhmm.","start":1657.35,"end":1657.85,"sentiment":"neutral","sentiment_score":-0.3199198544025421},{"text":"Yeah.","start":1665.9249,"end":1666.4249,"sentiment":"neutral","sentiment_score":-0.21027755737304688},{"text":"Yep.","start":1670.58,"end":1671.08,"sentiment":"neutral","sentiment_score":-0.10331586003303528},{"text":"Yep.","start":1671.94,"end":1672.44,"sentiment":"neutral","sentiment_score":-0.17942726612091064},{"text":"A bit tough.","start":1681.14,"end":1681.94,"sentiment":"negative","sentiment_score":-0.4184577564398448}],"sentiment":"neutral","sentiment_score":-0.29547340103558134,"num_words":7,"start":1657.35,"end":1681.94},{"sentences":[{"text":"Yeah.","start":1681.94,"end":1682.26,"sentiment":"neutral","sentiment_score":-0.09435012936592102},{"text":"You sorta just wanna work out whether I would honestly just be working out average cost.","start":1682.26,"end":1688.625,"sentiment":"neutral","sentiment_score":-0.07047237176448107},{"text":"So if you didn't have if if things weren't sort of covered for for you, how much do you think you would need?","start":1688.625,"end":1695.025,"sentiment":"neutral","sentiment_score":-0.06298255094367525},{"text":"Do you think I mean, the average person, honestly, needs to live on between between sort of five to a thousand dollars on a weekly basis to cover the cost of everything.","start":1695.025,"end":1705.0599,"sentiment":"neutral","sentiment_score":-0.0547305109212175},{"text":"But then also factoring in, will you have a mortgage to account for or will you not?","start":1705.28,"end":1709.6,"sentiment":"neutral","sentiment_score":-0.026188133722719026}],"sentiment":"neutral","sentiment_score":-0.05468630755131834,"num_words":89,"start":1681.94,"end":1709.6},{"sentences":[{"text":"So do you think you're gonna be able to buy the house free and clear, or do you think you're gonna have a mortgage on that main primary residence at the same time?","start":1709.6,"end":1717.995,"sentiment":"neutral","sentiment_score":-0.041489665311845864},{"text":"And what would that mortgage maybe look like?","start":1717.995,"end":1720.255,"sentiment":"neutral","sentiment_score":-0.030538649763911963},{"text":"Fully paid off.","start":1725.6699,"end":1726.63,"sentiment":"neutral","sentiment_score":0.1716699500878652},{"text":"Yeah.","start":1726.63,"end":1727.13,"sentiment":"neutral","sentiment_score":0.12574604153633118},{"text":"Yeah.","start":1730.3899,"end":1730.8899,"sentiment":"neutral","sentiment_score":0.06284070014953613}],"sentiment":"neutral","sentiment_score":-0.019779816553320572,"num_words":46,"start":1709.6,"end":1730.8899},{"sentences":[{"text":"Between about 500 to $1,000 on a weekly basis depending on whether they're debt free or not.","start":1734.47,"end":1739.5299,"sentiment":"neutral","sentiment_score":0.0009583811111309949},{"text":"Yeah.","start":1741.715,"end":1742.215,"sentiment":"neutral","sentiment_score":0.0639776960015297},{"text":"Yeah.","start":1742.995,"end":1743.495,"sentiment":"neutral","sentiment_score":-0.007039635442197323},{"text":"Yes.","start":1755.33,"end":1755.83,"sentiment":"neutral","sentiment_score":0.0721907839179039},{"text":"Yeah.","start":1758.45,"end":1758.95,"sentiment":"neutral","sentiment_score":0.12996375560760498}],"sentiment":"neutral","sentiment_score":0.013113575189241342,"num_words":21,"start":1734.47,"end":1758.95},{"sentences":[{"text":"Yeah.","start":1764.0499,"end":1764.5499,"sentiment":"neutral","sentiment_score":0.1534787118434906},{"text":"Yeah.","start":1767.9751,"end":1768.4751,"sentiment":"neutral","sentiment_score":0.23113884031772616},{"text":"Absolutely.","start":1769.895,"end":1770.395,"sentiment":"neutral","sentiment_score":0.28651323914527893},{"text":"So to start with, just I can do the advice now for you for the contribution because that is quite time sensitive.","start":1779.0299,"end":1784.97,"sentiment":"neutral","sentiment_score":0.03774638829583472},{"text":"We do need to get that in before the end of the financial year for you.","start":1785.4299,"end":1788.23,"sentiment":"neutral","sentiment_score":0.018270222935825586}],"sentiment":"neutral","sentiment_score":0.043753046360684604,"num_words":41,"start":1764.0499,"end":1788.23},{"sentences":[{"text":"So that's more of a time sensitive advice piece.","start":1788.23,"end":1790.715,"sentiment":"neutral","sentiment_score":-0.02632900731017192},{"text":"What I'll need to do is after the call, I'll go back and just generate a bit of an email with what we're going to need to be able to gather to be able to look at the advice piece for you and do the research.","start":1791.195,"end":1799.855,"sentiment":"neutral","sentiment_score":0.07115116602052814},{"text":"If you can kinda gather all the bits and pieces together, then we can come back and I can do a bit of research here.","start":1800.635,"end":1806.5801,"sentiment":"neutral","sentiment_score":0.17593520224094392},{"text":"It is a quite a larger plan, so we'll take a bit of time to do the research there for you.","start":1806.5801,"end":1811.0,"sentiment":"neutral","sentiment_score":0.14929920328514917},{"text":"If we do look at investing in your own personal name and building a sort of a portfolio, just so you are aware, we do charge an ongoing fee for the management of that portfolio.","start":1811.4601,"end":1822.8451,"sentiment":"neutral","sentiment_score":0.12002456933259964}],"sentiment":"neutral","sentiment_score":0.10860673399121665,"num_words":136,"start":1788.23,"end":1822.8451},{"sentences":[{"text":"So very much the same as your super.","start":1823.0651,"end":1824.905,"sentiment":"neutral","sentiment_score":0.09505954850465059},{"text":"It's 1.65%.","start":1824.905,"end":1826.525,"sentiment":"neutral","sentiment_score":0.044342778623104095},{"text":"That's essentially capped currently at balance of a 100 of 600,000.","start":1827.4651,"end":1831.385,"sentiment":"neutral","sentiment_score":0.02238506976176392},{"text":"Sorry.","start":1831.385,"end":1831.885,"sentiment":"neutral","sentiment_score":-0.010421114042401314},{"text":"And it's the the 1.65% is a yearly percentage fee for our services and monitoring ongoing.","start":1832.505,"end":1837.76,"sentiment":"neutral","sentiment_score":0.02736031950917095}],"sentiment":"neutral","sentiment_score":0.04007215028334605,"num_words":38,"start":1823.0651,"end":1837.76},{"sentences":[{"text":"This fee is deducted out of the investment portfolio each month in smaller increments, and the idea of a percentage based fee is that it does market is doing really well, it does mean that our fee is gonna be higher.","start":1838.38,"end":1850.545,"sentiment":"neutral","sentiment_score":0.08455841143320246},{"text":"However, when the market is taking a bit of a dip, it does mean that our fee is gonna be lower as well.","start":1850.685,"end":1855.405,"sentiment":"neutral","sentiment_score":0.09644689103183539},{"text":"So percentage based fee does fluctuate with whatever the market is doing, which is really good and benefits you.","start":1855.405,"end":1861.745,"sentiment":"positive","sentiment_score":0.4492138679090299},{"text":"But just so you're fully aware, but I can outline that in the email for you as well.","start":1862.3601,"end":1866.6001,"sentiment":"neutral","sentiment_score":0.08159777335822582},{"text":"Does that sound okay?","start":1866.6001,"end":1867.74,"sentiment":"neutral","sentiment_score":0.15568799152970314}],"sentiment":"neutral","sentiment_score":0.15534998799363772,"num_words":105,"start":1838.38,"end":1867.74},{"sentences":[{"text":"Yeah.","start":1869.24,"end":1869.7201,"sentiment":"positive","sentiment_score":0.6189295053482056},{"text":"Beautiful.","start":1869.7201,"end":1870.2201,"sentiment":"positive","sentiment_score":0.7917917966842651},{"text":"If you like, what I could also do is I can add a little budget plan in there for you.","start":1870.6001,"end":1874.2001,"sentiment":"positive","sentiment_score":0.3566727340221405},{"text":"It's a little tool that we do like to use where you can kinda go through and have a think about what you might spend on certain things to kinda give you an idea of what your regular weekly expenditure might be or what kinda income you might need to account for.","start":1874.2001,"end":1889.9349,"sentiment":"neutral","sentiment_score":0.25954664412599343},{"text":"Does that sound like something you'd be open to doing as 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aspects.","start":1944.85,"end":1952.63,"sentiment":"neutral","sentiment_score":0.10950716199546025},{"text":"What we can do, if you're comfortable, you can send me all the information.","start":1953.775,"end":1957.135,"sentiment":"neutral","sentiment_score":0.17538312782666513}],"sentiment":"neutral","sentiment_score":0.15489961203859479,"num_words":61,"start":1941.01,"end":1957.135},{"sentences":[{"text":"I can do a bit of research around what that looks like and what we might be you know, the outcome might be, a bit of projecting.","start":1957.135,"end":1964.175,"sentiment":"neutral","sentiment_score":0.08982554533415371},{"text":"And then we can come back in the new financial year and have another joint conversation with you guys and just, you know, have a talk about what your goals are, what the research has been able to look at, really look at the risk profile in detail, and then come up with a plan moving forward.","start":1964.175,"end":1979.5,"sentiment":"neutral","sentiment_score":0.12342548206971403},{"text":"Does that sound okay?","start":1979.5,"end":1980.64,"sentiment":"neutral","sentiment_score":0.11053766310214996},{"text":"Yeah.","start":1982.555,"end":1982.9551,"sentiment":"neutral","sentiment_score":0.3114001154899597},{"text":"Perfect.","start":1982.9551,"end":1983.275,"sentiment":"positive","sentiment_score":0.4874189794063568}],"sentiment":"neutral","sentiment_score":0.11890568832556407,"num_words":90,"start":1957.135,"end":1983.275},{"sentences":[{"text":"Does that sound alright with you, Christopher?","start":1983.275,"end":1984.875,"sentiment":"neutral","sentiment_score":0.19639982070241654},{"text":"You?","start":1984.875,"end":1985.275,"sentiment":"neutral","sentiment_score":0.10791181027889252},{"text":"All good?","start":1985.275,"end":1986.015,"sentiment":"neutral","sentiment_score":0.2288227677345276},{"text":"Yeah.","start":1988.155,"end":1988.555,"sentiment":"neutral","sentiment_score":0.2851317226886749},{"text":"Beautiful.","start":1988.555,"end":1989.055,"sentiment":"positive","sentiment_score":0.5018906593322754}],"sentiment":"neutral","sentiment_score":0.22728153939048448,"num_words":12,"start":1983.275,"end":1989.055},{"sentences":[{"text":"All good.","start":1989.115,"end":1989.435,"sentiment":"positive","sentiment_score":0.3784978985786438},{"text":"Just double checking.","start":1989.435,"end":1990.395,"sentiment":"neutral","sentiment_score":0.1375141739845276},{"text":"Christopher, do you prefer Chris or Christopher?","start":1990.395,"end":1992.395,"sentiment":"neutral","sentiment_score":0.008348018197076661},{"text":"I don't, you know, like to double check that.","start":1992.395,"end":1994.235,"sentiment":"neutral","sentiment_score":-0.046274963973297015},{"text":"Sorry.","start":1994.235,"end":1994.735,"sentiment":"neutral","sentiment_score":-0.04717814549803734}],"sentiment":"neutral","sentiment_score":0.03474189205603166,"num_words":22,"start":1989.115,"end":1994.735},{"sentences":[{"text":"Chris is good?","start":1997.15,"end":1997.9501,"sentiment":"neutral","sentiment_score":0.14457039535045624},{"text":"All good.","start":1997.9501,"end":1998.67,"sentiment":"neutral","sentiment_score":0.28572535514831543},{"text":"Perfect.","start":1998.67,"end":1999.15,"sentiment":"positive","sentiment_score":0.3948058485984802},{"text":"Perfect.","start":1999.15,"end":1999.65,"sentiment":"neutral","sentiment_score":0.33207279443740845},{"text":"No problem at all.","start":1999.79,"end":2001.01,"sentiment":"neutral","sentiment_score":0.23581593111157417}],"sentiment":"neutral","sentiment_score":0.24320947853001681,"num_words":11,"start":1997.15,"end":2001.01},{"sentences":[{"text":"But just while we are kinda talking about the properties here, I do have the properties noted from the last year.","start":2001.31,"end":2006.91,"sentiment":"neutral","sentiment_score":0.028150348125823905},{"text":"I just want to double check which property is valued at which and what loan is on which.","start":2006.91,"end":2011.215,"sentiment":"neutral","sentiment_score":0.004340822342783213},{"text":"Now you said one property has a a loan value owing of 44,000.","start":2011.215,"end":2015.9551,"sentiment":"neutral","sentiment_score":0.0013493704967773878},{"text":"I only have with the properties noted here, I've got one that is a Harvey Bay property, which is investment property one.","start":2016.3351,"end":2022.755,"sentiment":"neutral","sentiment_score":0.00928654216907241},{"text":"I have a second investment property and a third one, which you purchased last year.","start":2022.86,"end":2027.52,"sentiment":"neutral","sentiment_score":0.031071916843454044}],"sentiment":"neutral","sentiment_score":0.015249624827437186,"num_words":89,"start":2001.31,"end":2027.52},{"sentences":[{"text":"Which one of those would be the 44,000 owing?","start":2027.74,"end":2030.88,"sentiment":"neutral","sentiment_score":0.014548012055456638},{"text":"Yep.","start":2034.54,"end":2034.855,"sentiment":"neutral","sentiment_score":0.08097986876964569},{"text":"Perfect.","start":2035.095,"end":2035.575,"sentiment":"neutral","sentiment_score":0.16695503890514374},{"text":"So loan value on that one sitting at 44,000, and that's fully offset.","start":2035.575,"end":2040.235,"sentiment":"neutral","sentiment_score":0.06181807242907011},{"text":"Yep.","start":2041.1749,"end":2041.575,"sentiment":"neutral","sentiment_score":0.10476722568273544}],"sentiment":"neutral","sentiment_score":0.05149076733738184,"num_words":25,"start":2027.74,"end":2041.575},{"sentences":[{"text":"Beautiful.","start":2041.575,"end":2042.075,"sentiment":"neutral","sentiment_score":0.2570013403892517},{"text":"That's okay.","start":2051.59,"end":2052.41,"sentiment":"neutral","sentiment_score":0.027562864124774933},{"text":"Yeah.","start":2054.15,"end":2054.47,"sentiment":"neutral","sentiment_score":0.02319885604083538},{"text":"Just to update all the all the sec all the details here.","start":2054.47,"end":2057.35,"sentiment":"neutral","sentiment_score":0.01985640327135722},{"text":"So the second investment property, I don't have any kind of note of where it's located, but I had an asset value of 650,000 on that one, and it had a debt of 350,000 last year.","start":2057.35,"end":2070.3352,"sentiment":"neutral","sentiment_score":-0.009887369116768241}],"sentiment":"neutral","sentiment_score":0.004185720687158979,"num_words":52,"start":2041.575,"end":2070.3352},{"sentences":[{"text":"Okay.","start":2074.73,"end":2075.23,"sentiment":"neutral","sentiment_score":-0.00030572153627872467},{"text":"Yep.","start":2077.77,"end":2078.27,"sentiment":"neutral","sentiment_score":0.03253203630447388},{"text":"Yep.","start":2082.57,"end":2083.07,"sentiment":"neutral","sentiment_score":0.0238596610724926},{"text":"Okay.","start":2087.065,"end":2087.565,"sentiment":"neutral","sentiment_score":0.03523130714893341},{"text":"So this one here, I'll just put a note next to it saying, so $3.75 in the 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$5.32.","start":2111.385,"end":2116.5051,"sentiment":"neutral","sentiment_score":0.09129463757077853}],"sentiment":"neutral","sentiment_score":0.08360200910829008,"num_words":16,"start":2104.4001,"end":2116.5051},{"sentences":[{"text":"Beautiful.","start":2116.5051,"end":2117.0051,"sentiment":"positive","sentiment_score":0.39441531896591187},{"text":"Yep.","start":2122.425,"end":2122.925,"sentiment":"neutral","sentiment_score":0.04780646786093712},{"text":"Okay.","start":2129.4,"end":2129.7998,"sentiment":"neutral","sentiment_score":0.03456761687994003},{"text":"And that's $5.60.","start":2129.7998,"end":2131.26,"sentiment":"neutral","sentiment_score":0.030116531377037365},{"text":"Yes.","start":2132.3599,"end":2132.68,"sentiment":"neutral","sentiment_score":0.024667754769325256}],"sentiment":"neutral","sentiment_score":0.08454382180103234,"num_words":7,"start":2116.5051,"end":2132.68},{"sentences":[{"text":"Sorry.","start":2132.68,"end":2133.18,"sentiment":"neutral","sentiment_score":-0.022892005741596225},{"text":"Yep.","start":2138.7751,"end":2139.2751,"sentiment":"neutral","sentiment_score":-0.004022983834147453},{"text":"Yep.","start":2154.3098,"end":2154.8098,"sentiment":"neutral","sentiment_score":0.05834852159023285},{"text":"Yep.","start":2158.95,"end":2159.45,"sentiment":"neutral","sentiment_score":0.04827038571238518},{"text":"Okay.","start":2165.5552,"end":2166.0552,"sentiment":"neutral","sentiment_score":0.12493999302387238}],"sentiment":"neutral","sentiment_score":0.04092878215014935,"num_words":5,"start":2132.68,"end":2166.0552},{"sentences":[{"text":"Perfect.","start":2168.915,"end":2169.415,"sentiment":"neutral","sentiment_score":0.29693716764450073},{"text":"Yes.","start":2175.81,"end":2176.31,"sentiment":"neutral","sentiment_score":0.09243739396333694},{"text":"Yep.","start":2176.45,"end":2176.95,"sentiment":"neutral","sentiment_score":0.08315540850162506},{"text":"Yep.","start":2177.41,"end":2177.73,"sentiment":"neutral","sentiment_score":0.07877710461616516},{"text":"No.","start":2177.73,"end":2177.89,"sentiment":"neutral","sentiment_score":0.05386543273925781}],"sentiment":"neutral","sentiment_score":0.12103450149297715,"num_words":5,"start":2168.915,"end":2177.89},{"sentences":[{"text":"That's okay.","start":2177.89,"end":2178.45,"sentiment":"neutral","sentiment_score":0.1127190813422203},{"text":"That's not a problem at all.","start":2178.45,"end":2179.57,"sentiment":"neutral","sentiment_score":0.22900077203909555},{"text":"So $3.60 0 in there as well.","start":2179.57,"end":2181.33,"sentiment":"neutral","sentiment_score":0.1450140423008374},{"text":"Beautiful.","start":2181.33,"end":2181.83,"sentiment":"positive","sentiment_score":0.4197470545768738},{"text":"Now with each of those properties, the one in WA, what's the asset value you put on that property at the moment?","start":2182.21,"end":2187.705,"sentiment":"neutral","sentiment_score":0.06793936714529991}],"sentiment":"neutral","sentiment_score":0.11918300586311441,"num_words":38,"start":2177.89,"end":2187.705},{"sentences":[{"text":"6 150 and something.","start":2196.185,"end":2197.965,"sentiment":"neutral","sentiment_score":0.01756281778216362},{"text":"Yep.","start":2198.0251,"end":2198.5251,"sentiment":"neutral","sentiment_score":0.08681732416152954},{"text":"Okay.","start":2201.08,"end":2201.58,"sentiment":"neutral","sentiment_score":0.06650473177433014},{"text":"Perfect.","start":2201.64,"end":2202.14,"sentiment":"neutral","sentiment_score":0.1994621604681015},{"text":"Perfect.","start":2209.08,"end":2209.58,"sentiment":"neutral","sentiment_score":0.02266303449869156}],"sentiment":"neutral","sentiment_score":0.0557123152539134,"num_words":8,"start":2196.185,"end":2209.58},{"sentences":[{"text":"And then with the one in Sunbury, what's the evaluation you put on that one?","start":2210.76,"end":2214.7,"sentiment":"neutral","sentiment_score":0.04426974467933178},{"text":"$7.50?","start":2220.185,"end":2220.825,"sentiment":"neutral","sentiment_score":0.024199103936553},{"text":"Yep.","start":2220.825,"end":2221.145,"sentiment":"neutral","sentiment_score":0.1208982765674591},{"text":"That's okay.","start":2221.145,"end":2221.9648,"sentiment":"neutral","sentiment_score":0.2610774338245392},{"text":"And the one just outside of Harvey Bay, we had a an asset value of 650,000 on that one.","start":2222.265,"end":2227.9648,"sentiment":"neutral","sentiment_score":0.08292526438048012}],"sentiment":"neutral","sentiment_score":0.07649680109400499,"num_words":38,"start":2210.76,"end":2227.9648},{"sentences":[{"text":"$7.50.","start":2239.7002,"end":2240.4202,"sentiment":"neutral","sentiment_score":0.03679078444838524},{"text":"Yep.","start":2240.4202,"end":2240.82,"sentiment":"neutral","sentiment_score":0.18136417865753177},{"text":"Perfect.","start":2240.82,"end":2241.32,"sentiment":"positive","sentiment_score":0.4983446002006531},{"text":"There we go.","start":2242.235,"end":2243.0352,"sentiment":"neutral","sentiment_score":0.30314022302627563},{"text":"And then the one in Harvey Bay, we had here last year 650,000 on that one there as well.","start":2243.0352,"end":2249.375,"sentiment":"neutral","sentiment_score":0.13958801721271716}],"sentiment":"neutral","sentiment_score":0.1711237023770809,"num_words":25,"start":2239.7002,"end":2249.375},{"sentences":[{"text":"Okay.","start":2254.41,"end":2254.91,"sentiment":"neutral","sentiment_score":0.3158700168132782},{"text":"Perfect.","start":2255.13,"end":2255.63,"sentiment":"positive","sentiment_score":0.5957666635513306},{"text":"Perfect.","start":2256.3298,"end":2256.8298,"sentiment":"positive","sentiment_score":0.6737827062606812},{"text":"Excellent.","start":2257.13,"end":2257.63,"sentiment":"positive","sentiment_score":0.687343418598175},{"text":"Other than that, income wise, because we are looking at the additional contributions and making a deductible, I need to sort of confirm what your income estimate is supposed to be for this year when you consider your total income.","start":2258.89,"end":2271.3948,"sentiment":"neutral","sentiment_score":0.1976696390658617}],"sentiment":"neutral","sentiment_score":0.2313533719967712,"num_words":44,"start":2254.41,"end":2271.3948},{"sentences":[{"text":"So when you consider what the account is gonna look at with from the property is, what do you estimate your total income should be gross this year?","start":2271.3948,"end":2279.575,"sentiment":"neutral","sentiment_score":0.096618029954178},{"text":"Sorry.","start":2282.5999,"end":2283.0999,"sentiment":"neutral","sentiment_score":-0.09484373778104782},{"text":"Yep.","start":2289.3198,"end":2289.8198,"sentiment":"neutral","sentiment_score":-0.03269486129283905},{"text":"Yep.","start":2292.215,"end":2292.715,"sentiment":"neutral","sentiment_score":0.012888154946267605},{"text":"Yep.","start":2296.215,"end":2296.715,"sentiment":"neutral","sentiment_score":0.031154479831457135}],"sentiment":"neutral","sentiment_score":0.08193152732565068,"num_words":32,"start":2271.3948,"end":2296.715},{"sentences":[{"text":"Yeah.","start":2325.095,"end":2325.595,"sentiment":"neutral","sentiment_score":-0.011242169886827467},{"text":"Yeah.","start":2325.895,"end":2326.395,"sentiment":"neutral","sentiment_score":-0.05776043236255646},{"text":"No.","start":2327.335,"end":2327.575,"sentiment":"neutral","sentiment_score":-0.14721649885177612},{"text":"That's yep.","start":2327.575,"end":2331.17,"sentiment":"neutral","sentiment_score":-0.06768567115068436},{"text":"Yep.","start":2332.27,"end":2332.75,"sentiment":"neutral","sentiment_score":0.004573532845824957}],"sentiment":"neutral","sentiment_score":-0.05783615175945064,"num_words":6,"start":2325.095,"end":2332.75},{"sentences":[{"text":"That's okay.","start":2332.75,"end":2333.49,"sentiment":"neutral","sentiment_score":0.04050622321665287},{"text":"I just need to work out what your gross income is expected to be for this for this financial year total just so I can kinda work out what what the contribution looks like and how that might provide you a benefit and, yeah, affect you essentially.","start":2337.31,"end":2350.325,"sentiment":"neutral","sentiment_score":0.08728732251899039},{"text":"Yep.","start":2358.08,"end":2358.58,"sentiment":"neutral","sentiment_score":0.028203647583723068},{"text":"Yep.","start":2360.32,"end":2360.82,"sentiment":"neutral","sentiment_score":0.024690410122275352},{"text":"Okay.","start":2362.1602,"end":2362.6602,"sentiment":"neutral","sentiment_score":0.20632943511009216}],"sentiment":"neutral","sentiment_score":0.0854373095700374,"num_words":52,"start":2332.75,"end":2362.6602},{"sentences":[{"text":"Perfect.","start":2364.08,"end":2364.58,"sentiment":"positive","sentiment_score":0.45235514640808105},{"text":"So $1.20 without any deductions.","start":2366.0,"end":2368.02,"sentiment":"neutral","sentiment_score":0.13329774439334868},{"text":"Do you know what the deductions might sort of expected to look like to bring your the income component down for you at?","start":2368.08,"end":2374.455,"sentiment":"neutral","sentiment_score":0.06117681260018245},{"text":"No.","start":2376.995,"end":2377.495,"sentiment":"neutral","sentiment_score":-0.07512082159519196},{"text":"Yeah.","start":2378.5151,"end":2379.0151,"sentiment":"neutral","sentiment_score":0.01602916605770588}],"sentiment":"neutral","sentiment_score":0.07957480331101725,"num_words":31,"start":2364.08,"end":2379.0151},{"sentences":[{"text":"No.","start":2379.235,"end":2379.395,"sentiment":"neutral","sentiment_score":0.012421322986483574},{"text":"That's okay.","start":2379.395,"end":2380.0352,"sentiment":"neutral","sentiment_score":0.10165679082274437},{"text":"If you like, I can put that in the email for you.","start":2380.0352,"end":2382.0352,"sentiment":"neutral","sentiment_score":0.13662828505039215},{"text":"If you just sort of reply back with what the gross income might look like, then I can kind of go from there for you.","start":2382.0352,"end":2387.63,"sentiment":"neutral","sentiment_score":0.11678443163633347},{"text":"Is that alright?","start":2387.63,"end":2388.45,"sentiment":"neutral","sentiment_score":0.0922468826174736}],"sentiment":"neutral","sentiment_score":0.11747966893017292,"num_words":43,"start":2379.235,"end":2388.45},{"sentences":[{"text":"Yep.","start":2390.27,"end":2390.75,"sentiment":"neutral","sentiment_score":0.21243511140346527},{"text":"Perfect.","start":2390.75,"end":2391.25,"sentiment":"positive","sentiment_score":0.5879881978034973},{"text":"Yep.","start":2399.805,"end":2400.305,"sentiment":"neutral","sentiment_score":0.1829774379730225},{"text":"Yep.","start":2400.7651,"end":2401.2651,"sentiment":"neutral","sentiment_score":0.10546708106994628},{"text":"Yeah.","start":2407.165,"end":2407.665,"sentiment":"neutral","sentiment_score":0.25860878825187683}],"sentiment":"neutral","sentiment_score":0.26949532330036163,"num_words":5,"start":2390.27,"end":2407.665},{"sentences":[{"text":"Love that.","start":2407.965,"end":2408.7852,"sentiment":"positive","sentiment_score":0.4766218364238739},{"text":"Yep.","start":2419.79,"end":2420.29,"sentiment":"neutral","sentiment_score":0.1311180591583252},{"text":"Yeah.","start":2429.805,"end":2430.305,"sentiment":"neutral","sentiment_score":0.2606726288795471},{"text":"Yep.","start":2436.78,"end":2437.28,"sentiment":"neutral","sentiment_score":0.14025798439979553},{"text":"Yep.","start":2447.835,"end":2448.335,"sentiment":"neutral","sentiment_score":0.12558549642562866}],"sentiment":"neutral","sentiment_score":0.26847964028517407,"num_words":6,"start":2407.965,"end":2448.335},{"sentences":[{"text":"Yeah.","start":2455.595,"end":2456.075,"sentiment":"neutral","sentiment_score":0.12054751813411713},{"text":"No.","start":2456.075,"end":2456.2349,"sentiment":"neutral","sentiment_score":0.11909787356853484},{"text":"That's okay.","start":2456.2349,"end":2456.875,"sentiment":"neutral","sentiment_score":0.17398884892463684},{"text":"Not a problem at all.","start":2456.875,"end":2457.915,"sentiment":"positive","sentiment_score":0.34643664956092834},{"text":"I'll pop that into the email there as well.","start":2457.915,"end":2459.88,"sentiment":"neutral","sentiment_score":0.2535567598210441}],"sentiment":"neutral","sentiment_score":0.25565650976366466,"num_words":18,"start":2455.595,"end":2459.88},{"sentences":[{"text":"This will be a pretty bulky email for you, but it'll kinda contain everything that we need to be able to help you out and get the advice.","start":2460.0398,"end":2465.74,"sentiment":"neutral","sentiment_score":0.06698455751341369},{"text":"But I'll pop it in the email for you so if you just confirm that for me.","start":2466.3599,"end":2469.4,"sentiment":"neutral","sentiment_score":0.08438314650865163},{"text":"Is that okay?","start":2469.4,"end":2470.2998,"sentiment":"neutral","sentiment_score":0.07681258643666904},{"text":"Yep.","start":2471.72,"end":2472.195,"sentiment":"neutral","sentiment_score":0.2338676154613495},{"text":"Fantastic.","start":2472.5151,"end":2473.0151,"sentiment":"positive","sentiment_score":0.6686814427375793}],"sentiment":"neutral","sentiment_score":0.08886135837063193,"num_words":50,"start":2460.0398,"end":2473.0151},{"sentences":[{"text":"Excellent.","start":2473.395,"end":2473.895,"sentiment":"positive","sentiment_score":0.5796571969985962},{"text":"And you kinda mentioned that you do guys travel around a lot for work.","start":2474.115,"end":2477.575,"sentiment":"neutral","sentiment_score":0.12831172613160952},{"text":"You're still in the same area.","start":2478.115,"end":2480.0352,"sentiment":"neutral","sentiment_score":0.026810032315552235},{"text":"I've got down here that you're in technically construction industry and that your occupation is a safety adviser.","start":2480.0352,"end":2486.7551,"sentiment":"neutral","sentiment_score":0.03674301919009951},{"text":"Is that right?","start":2486.7551,"end":2487.655,"sentiment":"neutral","sentiment_score":0.053833855936924614}],"sentiment":"neutral","sentiment_score":0.07999422547540494,"num_words":42,"start":2473.395,"end":2487.655},{"sentences":[{"text":"Yep.","start":2491.73,"end":2492.23,"sentiment":"neutral","sentiment_score":0.02136770449578762},{"text":"Perfect.","start":2495.1702,"end":2495.6702,"sentiment":"positive","sentiment_score":0.5984066724777222},{"text":"Fantastic.","start":2495.81,"end":2496.31,"sentiment":"positive","sentiment_score":0.7131640315055847},{"text":"Lovely.","start":2497.01,"end":2497.51,"sentiment":"positive","sentiment_score":0.6872457265853882},{"text":"And I've got down here for accessing super.","start":2498.53,"end":2500.895,"sentiment":"neutral","sentiment_score":0.23709006793797016}],"sentiment":"neutral","sentiment_score":0.3264087232140203,"num_words":12,"start":2491.73,"end":2500.895},{"sentences":[{"text":"We were working on age 60.","start":2500.895,"end":2502.895,"sentiment":"neutral","sentiment_score":0.09639241173863411},{"text":"Obviously, you've got those other goals there where you're wanting to try and build wealth outside of super so you can retire around about 50, if not before.","start":2502.895,"end":2510.255,"sentiment":"neutral","sentiment_score":0.13849903137556144},{"text":"Is that still correct?","start":2510.255,"end":2511.395,"sentiment":"neutral","sentiment_score":0.07513109780848026},{"text":"Yep.","start":2513.07,"end":2513.31,"sentiment":"neutral","sentiment_score":0.09164433181285858},{"text":"Beautiful.","start":2513.31,"end":2513.81,"sentiment":"positive","sentiment_score":0.3488280177116394}],"sentiment":"neutral","sentiment_score":0.1299331022426486,"num_words":40,"start":2500.895,"end":2513.81},{"sentences":[{"text":"I also had done here that you were sort of hoping to accumulate assets of around about two to two point five million net.","start":2513.9502,"end":2522.75,"sentiment":"neutral","sentiment_score":0.0865293260042866},{"text":"Is that right?","start":2522.75,"end":2523.57,"sentiment":"neutral","sentiment_score":0.06692030156652133},{"text":"That's okay.","start":2527.325,"end":2528.065,"sentiment":"neutral","sentiment_score":-0.005536237731575965},{"text":"You're right.","start":2530.125,"end":2530.785,"sentiment":"neutral","sentiment_score":-0.0011424561962485322},{"text":"As much as possible.","start":2531.325,"end":2532.465,"sentiment":"neutral","sentiment_score":-0.00588256842456758}],"sentiment":"neutral","sentiment_score":0.0640164876356721,"num_words":35,"start":2513.9502,"end":2532.465},{"sentences":[{"text":"I'm with you there.","start":2532.605,"end":2533.665,"sentiment":"neutral","sentiment_score":0.04696465749293566},{"text":"Absolutely.","start":2533.725,"end":2534.225,"sentiment":"neutral","sentiment_score":0.1893088072538376},{"text":"Absolutely.","start":2535.565,"end":2536.065,"sentiment":"neutral","sentiment_score":0.19689978659152985},{"text":"I got that.","start":2536.445,"end":2537.085,"sentiment":"neutral","sentiment_score":0.20333658158779144},{"text":"Not a problem at all.","start":2537.085,"end":2538.205,"sentiment":"neutral","sentiment_score":0.21736786663532257}],"sentiment":"neutral","sentiment_score":0.16220830726836408,"num_words":14,"start":2532.605,"end":2538.205},{"sentences":[{"text":"Beautiful.","start":2538.205,"end":2538.705,"sentiment":"positive","sentiment_score":0.5475720167160034},{"text":"Excellent.","start":2539.76,"end":2540.0798,"sentiment":"positive","sentiment_score":0.49259424209594727},{"text":"Well, look, that's honestly really good.","start":2540.0798,"end":2541.52,"sentiment":"positive","sentiment_score":0.4735208998123805},{"text":"Is there any other goals or anything else that you can think of with regard to the properties or the advice that we're looking at at the moment that you might wanna kinda add into here?","start":2541.52,"end":2550.0999,"sentiment":"neutral","sentiment_score":0.11808135070734554},{"text":"Yep.","start":2558.415,"end":2558.915,"sentiment":"neutral","sentiment_score":-0.001077687367796898}],"sentiment":"neutral","sentiment_score":0.1806920576840639,"num_words":45,"start":2538.205,"end":2558.915},{"sentences":[{"text":"Yep.","start":2561.615,"end":2562.115,"sentiment":"neutral","sentiment_score":-0.003722554072737694},{"text":"Yep.","start":2563.23,"end":2563.73,"sentiment":"neutral","sentiment_score":0.001881978241726756},{"text":"Yep.","start":2569.2375,"end":2569.7375,"sentiment":"neutral","sentiment_score":0.0020417473278939724},{"text":"Yes.","start":2584.2852,"end":2584.7852,"sentiment":"neutral","sentiment_score":-0.04456616938114166},{"text":"Yeah.","start":2588.7,"end":2589.2,"sentiment":"neutral","sentiment_score":-0.06043189391493797}],"sentiment":"neutral","sentiment_score":-0.02095937835983932,"num_words":5,"start":2561.615,"end":2589.2},{"sentences":[{"text":"Yep.","start":2592.3801,"end":2592.8801,"sentiment":"neutral","sentiment_score":-0.04351833090186119},{"text":"Yeah.","start":2594.54,"end":2595.04,"sentiment":"neutral","sentiment_score":-0.03615076094865799},{"text":"Yeah.","start":2596.3801,"end":2596.8801,"sentiment":"neutral","sentiment_score":0.042679913341999054},{"text":"Yep.","start":2597.1,"end":2597.5,"sentiment":"neutral","sentiment_score":0.06305442750453949},{"text":"No.","start":2597.5,"end":2597.66,"sentiment":"neutral","sentiment_score":0.04404087737202644}],"sentiment":"neutral","sentiment_score":0.014021225273609161,"num_words":5,"start":2592.3801,"end":2597.66},{"sentences":[{"text":"That's okay.","start":2597.66,"end":2598.3801,"sentiment":"neutral","sentiment_score":0.1589709371328354},{"text":"Not a problem at all.","start":2598.3801,"end":2599.5,"sentiment":"positive","sentiment_score":0.38456326723098755},{"text":"Beautiful.","start":2599.5,"end":2600.0,"sentiment":"positive","sentiment_score":0.691981852054596},{"text":"Well, I think we've covered most things there.","start":2600.615,"end":2602.375,"sentiment":"neutral","sentiment_score":0.27854262478649616},{"text":"As I said, I'll put do up a really big email for you to call it all the things that we do need, the any additional questions that we might have.","start":2602.375,"end":2609.4348,"sentiment":"neutral","sentiment_score":0.23771421611309052}],"sentiment":"neutral","sentiment_score":0.2666004629845315,"num_words":47,"start":2597.66,"end":2609.4348},{"sentences":[{"text":"Once we've kind of got all that detail, we can come back and just have another conversation around your goals, have a think about what it is when you're running to retire, what the income component might look like, anything else that might be relevant there.","start":2609.7349,"end":2621.3398,"sentiment":"neutral","sentiment_score":0.15625682975287022},{"text":"In the meantime, I can do a bit of research around what we've got, what what this might look projected wise, and then we can always come back and and reassess and do a nice big advice piece for you.","start":2621.4,"end":2631.7048,"sentiment":"neutral","sentiment_score":0.15556069212034346},{"text":"Does that sound okay?","start":2631.7048,"end":2632.765,"sentiment":"neutral","sentiment_score":0.1479689758270979},{"text":"Fantastic.","start":2634.905,"end":2635.405,"sentiment":"positive","sentiment_score":0.7710802555084229},{"text":"Lovely.","start":2635.7048,"end":2636.2048,"sentiment":"positive","sentiment_score":0.6945201754570007}],"sentiment":"neutral","sentiment_score":0.16812737160564764,"num_words":92,"start":2609.7349,"end":2636.2048},{"sentences":[{"text":"So just to kinda go through your stupid now, now I did give you a balance before there, Laura.","start":2637.625,"end":2642.105,"sentiment":"neutral","sentiment_score":0.07925181737855862},{"text":"So your balance as of essentially yesterday's date was a 118,718 and 61¢ there.","start":2642.105,"end":2649.74,"sentiment":"neutral","sentiment_score":0.1330353646324231},{"text":"So it is definitely up.","start":2649.74,"end":2651.5198,"sentiment":"positive","sentiment_score":0.41432285904884336},{"text":"Having a look back at your annual review last year when you completed that with Tommy there, the balance in your account then was 96,209 and 70¢.","start":2651.5798,"end":2660.935,"sentiment":"neutral","sentiment_score":0.11836846015201165},{"text":"So your super has done really, really well when we kinda break that down.","start":2660.935,"end":2664.775,"sentiment":"positive","sentiment_score":0.46838480340582983}],"sentiment":"neutral","sentiment_score":0.1940496854193799,"num_words":79,"start":2637.625,"end":2664.775},{"sentences":[{"text":"You're in that high growth kind of environment there.","start":2664.775,"end":2667.175,"sentiment":"neutral","sentiment_score":0.19340329782830346},{"text":"So at the moment, and in a high growth portfolio, you wanna see about 90% of your funds in those growth assets.","start":2667.175,"end":2673.42,"sentiment":"neutral","sentiment_score":0.14694549735974183},{"text":"So things like Australian shares, international shares, listed property, and commodities like gold and silver, that's where you tend to see a lot of the returns from moving forward, and that's where you also see those those ups and downs of volatility that kinda make us a bit nervous as well.","start":2673.42,"end":2687.74,"sentiment":"neutral","sentiment_score":-0.0695440435380328},{"text":"So at the moment, your current exposure is sitting at 93 there, which is within that range of what we'd like to see.","start":2687.74,"end":2694.485,"sentiment":"neutral","sentiment_score":-0.020710129128850025},{"text":"And then you've got about 7% defensive.","start":2694.625,"end":2696.965,"sentiment":"neutral","sentiment_score":0.05819436588457653}],"sentiment":"neutral","sentiment_score":0.012122428510338068,"num_words":112,"start":2664.775,"end":2696.965},{"sentences":[{"text":"The high growth portfolio normally sees about around about sort of 5% offensive.","start":2697.185,"end":2702.1301,"sentiment":"neutral","sentiment_score":0.14207454541554818},{"text":"Seven's a little bit higher, but it's within range for discrepancies.","start":2702.27,"end":2705.49,"sentiment":"neutral","sentiment_score":-0.06608413938771594},{"text":"And because of, you know, the way portfolios work, you do also see often see a little bit of a discrepancy in that.","start":2705.79,"end":2712.03,"sentiment":"neutral","sentiment_score":-0.04636929135607636},{"text":"So we have a range.","start":2712.03,"end":2712.99,"sentiment":"neutral","sentiment_score":0.3053682744503021},{"text":"We're happy with about a 5% range either side of that for your high growth environment, and 7% defense is not bad at all.","start":2712.99,"end":2721.5652,"sentiment":"positive","sentiment_score":0.5768649422874054}],"sentiment":"neutral","sentiment_score":0.20296249793548332,"num_words":76,"start":2697.185,"end":2721.5652},{"sentences":[{"text":"When I have a look at the total of how your portfolio has performed, Sorry.","start":2722.5051,"end":2728.01,"sentiment":"neutral","sentiment_score":0.10432424396276474},{"text":"I'm just bringing up the report.","start":2728.01,"end":2729.05,"sentiment":"neutral","sentiment_score":0.019463281768063705},{"text":"I do apologize.","start":2729.05,"end":2729.8699,"sentiment":"neutral","sentiment_score":-0.08676090588172276},{"text":"Might be one second.","start":2729.93,"end":2731.07,"sentiment":"neutral","sentiment_score":-0.041950613260269165},{"text":"Just gotta open it up.","start":2731.29,"end":2732.67,"sentiment":"neutral","sentiment_score":-0.04127282500267029}],"sentiment":"neutral","sentiment_score":0.031733153162129,"num_words":33,"start":2722.5051,"end":2732.67},{"sentences":[{"text":"Oops.","start":2737.45,"end":2737.8499,"sentiment":"neutral","sentiment_score":-0.10488764941692352},{"text":"My computer's a little bit slow.","start":2737.8499,"end":2739.29,"sentiment":"negative","sentiment_score":-0.38960490624109906},{"text":"Work is a bit too hard today, I think.","start":2739.29,"end":2740.97,"sentiment":"negative","sentiment_score":-0.4304553336567349},{"text":"Gotta love technology.","start":2740.97,"end":2742.03,"sentiment":"neutral","sentiment_score":0.17081821958223978},{"text":"When you look at here at the portfolio, so net of fees, you've got a 12.39% return there.","start":2745.2449,"end":2751.885,"sentiment":"neutral","sentiment_score":0.2523973625567224}],"sentiment":"neutral","sentiment_score":-0.034081294729902935,"num_words":37,"start":2737.45,"end":2751.885},{"sentences":[{"text":"So not bad in any way, shape, or form.","start":2751.885,"end":2754.305,"sentiment":"positive","sentiment_score":0.3535672492451138},{"text":"With the high growth environment, as I kinda mentioned before, you are sort of wanting to be invested for at least eight years before accessing that super because of the risk that you are taking and the exposure that we do see there.","start":2754.6848,"end":2766.2,"sentiment":"neutral","sentiment_score":0.1524804589706798},{"text":"This you you're still really young.","start":2766.5,"end":2768.18,"sentiment":"neutral","sentiment_score":0.07212257136901219},{"text":"You've got a lot more time than eight years before you're able to access your super at this stage.","start":2768.18,"end":2771.945,"sentiment":"neutral","sentiment_score":0.15277018398046494},{"text":"So you do fit within that high growth sort of environment there.","start":2771.945,"end":2774.925,"sentiment":"positive","sentiment_score":0.3820111354192098}],"sentiment":"neutral","sentiment_score":0.19840750031256943,"num_words":89,"start":2751.885,"end":2774.925},{"sentences":[{"text":"And when we are looking at long term sustainable returns, the high growth portfolio, we're looking to achieve around about eight to 10% on a yearly basis.","start":2774.985,"end":2782.905,"sentiment":"positive","sentiment_score":0.40245271536211175},{"text":"So the fact that you've received 12.39% net of fees, it's after our ongoing fee as well as any admin fees or super fees that are deducted there, does show that your portfolio has well and truly overperformed for the year, which is a really solid return.","start":2782.905,"end":2798.14,"sentiment":"positive","sentiment_score":0.5261184617559961},{"text":"I tend to give everyone the the performance as a percentage, but also as a dollar figure as well.","start":2798.835,"end":2805.015,"sentiment":"neutral","sentiment_score":0.32504978854405253},{"text":"So the income and the growth, and that's what we're looking at.","start":2805.075,"end":2807.715,"sentiment":"neutral","sentiment_score":0.16830757508675256},{"text":"Your contributions do go into the portfolio, but they're essentially seen as capital or principal.","start":2807.715,"end":2812.695,"sentiment":"neutral","sentiment_score":0.11807325780391693}],"sentiment":"positive","sentiment_score":0.3796710563978801,"num_words":120,"start":2774.985,"end":2812.695},{"sentences":[{"text":"We look at when we're looking at the returns, the internal rate of return, the income that's produced out of those investments and the additional growth, so the changes in the market price of the investments there.","start":2813.09,"end":2824.37,"sentiment":"neutral","sentiment_score":0.144675827106914},{"text":"And it shows that for the year, you've made about 14,003 sorry.","start":2824.37,"end":2828.29,"sentiment":"neutral","sentiment_score":0.3083171670635541},{"text":"$14,735.80 per year.","start":2828.29,"end":2831.945,"sentiment":"neutral","sentiment_score":0.24886777003606161},{"text":"So it's a really good return.","start":2831.945,"end":2833.465,"sentiment":"positive","sentiment_score":0.7288987040519714},{"text":"You've achieved really well for the year, and it's it's really happy with that.","start":2833.465,"end":2837.465,"sentiment":"positive","sentiment_score":0.7070987394877842}],"sentiment":"positive","sentiment_score":0.3343359652078814,"num_words":72,"start":2813.09,"end":2837.465},{"sentences":[{"text":"Did you have any questions so far about any of it?","start":2837.465,"end":2839.705,"sentiment":"neutral","sentiment_score":0.09864160418510437},{"text":"Sorry.","start":2839.705,"end":2840.205,"sentiment":"neutral","sentiment_score":-0.01064358651638031},{"text":"Yes.","start":2842.14,"end":2842.64,"sentiment":"neutral","sentiment_score":-0.04153331369161606},{"text":"Yeah.","start":2843.8198,"end":2844.3198,"sentiment":"neutral","sentiment_score":-0.05076489597558975},{"text":"Yeah.","start":2848.14,"end":2848.64,"sentiment":"neutral","sentiment_score":-0.038895655423402786}],"sentiment":"neutral","sentiment_score":0.06288134629527728,"num_words":15,"start":2837.465,"end":2848.64},{"sentences":[{"text":"Yeah.","start":2851.0999,"end":2851.5999,"sentiment":"neutral","sentiment_score":0.007143499329686165},{"text":"Yes.","start":2855.835,"end":2856.335,"sentiment":"neutral","sentiment_score":0.14199315011501312},{"text":"Perfect.","start":2860.7952,"end":2861.2952,"sentiment":"positive","sentiment_score":0.6273006200790405},{"text":"Fantastic.","start":2861.595,"end":2862.095,"sentiment":"positive","sentiment_score":0.5212509632110596},{"text":"When I do have a look at some of the investments in there, I can see one that is underperforming a little bit.","start":2863.0352,"end":2868.075,"sentiment":"neutral","sentiment_score":-0.047245456310717956}],"sentiment":"neutral","sentiment_score":0.007816397688455053,"num_words":27,"start":2851.0999,"end":2868.075},{"sentences":[{"text":"And I know when Tommy spoke to you last year, he talked to you about the Australian equities component that been along Australian equities managed fund in there.","start":2868.075,"end":2874.8499,"sentiment":"neutral","sentiment_score":-0.032494581038398404},{"text":"Do you remember kinda talking to him about that last year?","start":2874.8499,"end":2877.67,"sentiment":"neutral","sentiment_score":-0.026570012284950775},{"text":"Yeah.","start":2879.8098,"end":2880.3098,"sentiment":"neutral","sentiment_score":-0.025727946311235428},{"text":"Yeah.","start":2882.945,"end":2883.105,"sentiment":"neutral","sentiment_score":-0.04384795576334},{"text":"Yeah.","start":2883.105,"end":2883.605,"sentiment":"neutral","sentiment_score":-0.06724104285240173}],"sentiment":"neutral","sentiment_score":-0.031879413074680736,"num_words":42,"start":2868.075,"end":2883.605},{"sentences":[{"text":"So it looks like last year was over underperforming a little bit there.","start":2883.745,"end":2887.665,"sentiment":"neutral","sentiment_score":-0.20410707363715538},{"text":"And having a look at it now, it is still underperforming.","start":2887.665,"end":2890.085,"sentiment":"neutral","sentiment_score":-0.19961370730941946},{"text":"So I would like to maybe update the advice for you and remove that out of that.","start":2890.385,"end":2894.7,"sentiment":"neutral","sentiment_score":0.012150211807559519},{"text":"I can also incorporate that into the advice piece for you.","start":2894.7,"end":2898.08,"sentiment":"neutral","sentiment_score":0.11117388172583147},{"text":"Maybe look at moving that out and putting something in its place that hasn't been underperforming as much.","start":2898.54,"end":2903.18,"sentiment":"neutral","sentiment_score":0.0611730313135518}],"sentiment":"neutral","sentiment_score":-0.0331223124904292,"num_words":70,"start":2883.745,"end":2903.18},{"sentences":[{"text":"It might also be a bit more cost effective for you to find a cheaper managed investment.","start":2903.18,"end":2908.3,"sentiment":"neutral","sentiment_score":0.14993240640443914},{"text":"Would that sound okay?","start":2908.3,"end":2909.52,"sentiment":"neutral","sentiment_score":0.13009268417954445},{"text":"Yep.","start":2911.375,"end":2911.775,"sentiment":"positive","sentiment_score":0.4522297978401184},{"text":"Fantastic.","start":2911.775,"end":2912.275,"sentiment":"positive","sentiment_score":0.7341369390487671},{"text":"Perfect.","start":2912.7349,"end":2913.2349,"sentiment":"positive","sentiment_score":0.6218724250793457}],"sentiment":"neutral","sentiment_score":0.20322753364841142,"num_words":24,"start":2903.18,"end":2913.2349},{"sentences":[{"text":"So with the Bennelong team, just kind of get a guide on what you're sort of after investment wise with your super.","start":2913.375,"end":2919.075,"sentiment":"neutral","sentiment_score":0.21546261960809882},{"text":"Bennelong Australian Equities is a managed funder.","start":2919.295,"end":2921.535,"sentiment":"neutral","sentiment_score":0.08485950316701617},{"text":"They generally hold between 15 to 25 different investment options.","start":2921.535,"end":2924.9949,"sentiment":"neutral","sentiment_score":0.06726191714406013},{"text":"The investment manager of that is more of an active manager, so their job is to buy and sell investments, time the market, and try to outperform against the market or the indices that they're trying to sort of track.","start":2925.36,"end":2935.4602,"sentiment":"neutral","sentiment_score":0.09674013359472156},{"text":"We can, if you wanted to, look to maybe reduce the cost a bit and change that to have a more passive investment.","start":2936.08,"end":2942.745,"sentiment":"neutral","sentiment_score":0.07955378553141719}],"sentiment":"neutral","sentiment_score":0.11476623270587594,"num_words":102,"start":2913.375,"end":2942.745},{"sentences":[{"text":"Passive investments might be more diversified, have more underlying investments there, and are designed to track the market or the industries instead of trying to outperform it, which means that they have less risk of underperforming against the market.","start":2943.445,"end":2956.7102,"sentiment":"neutral","sentiment_score":0.14234593596595985},{"text":"Did you want me to look at something more cost perspective, or did you want more of an actively managed in there?","start":2956.7102,"end":2961.59,"sentiment":"neutral","sentiment_score":0.015541898340664127},{"text":"Or what's your thoughts around that?","start":2961.59,"end":2963.37,"sentiment":"neutral","sentiment_score":0.019823784629503887},{"text":"Yeah.","start":2967.605,"end":2968.105,"sentiment":"neutral","sentiment_score":0.21185410022735596},{"text":"Yeah.","start":2968.965,"end":2969.465,"sentiment":"neutral","sentiment_score":0.13097313046455383}],"sentiment":"neutral","sentiment_score":0.09210410441501417,"num_words":69,"start":2943.445,"end":2969.465},{"sentences":[{"text":"Perfect.","start":2970.725,"end":2971.225,"sentiment":"positive","sentiment_score":0.5179862380027771},{"text":"I'll have a really good look at everything for you.","start":2971.605,"end":2973.525,"sentiment":"positive","sentiment_score":0.3334397166967392},{"text":"I can incorporate that into the advice piece of your contribution if you like, and then we can come back and have a really good chat about what we're what we're gonna switch that for you.","start":2973.525,"end":2982.38,"sentiment":"neutral","sentiment_score":0.2509871448079745},{"text":"Okay?","start":2982.38,"end":2982.88,"sentiment":"neutral","sentiment_score":0.12604010105133057},{"text":"Perfect.","start":2984.06,"end":2984.56,"sentiment":"neutral","sentiment_score":0.3270424008369446}],"sentiment":"neutral","sentiment_score":0.27226536979480664,"num_words":49,"start":2970.725,"end":2984.56},{"sentences":[{"text":"Now the other thing to sorta have a chat about is the insurance side of things.","start":2985.3398,"end":2988.46,"sentiment":"neutral","sentiment_score":0.0370681673521176},{"text":"So just having a look, you do have insurances that are paid out of your super fund at the moment.","start":2988.46,"end":2992.96,"sentiment":"neutral","sentiment_score":0.031198127288371326},{"text":"With your MetLife policy there, you do have you've got some life cover.","start":2993.645,"end":2998.385,"sentiment":"neutral","sentiment_score":0.06610098108649254},{"text":"So the life cover has some insured at the moment of 551,250.","start":2998.685,"end":3004.545,"sentiment":"neutral","sentiment_score":0.027409772233416636},{"text":"You have the same amount of TBD cover there.","start":3004.765,"end":3007.5,"sentiment":"neutral","sentiment_score":0.018186520371172164}],"sentiment":"neutral","sentiment_score":0.03669945610953229,"num_words":70,"start":2985.3398,"end":3007.5},{"sentences":[{"text":"Having a look, you don't have any income protection and don't have any trauma or any additional covers outside of so far.","start":3007.74,"end":3014.96,"sentiment":"neutral","sentiment_score":-0.03483060201291333},{"text":"Are you happy with the amount of coverage that you have given that your investment properties are pretty well, you know, self managed and you're paying them down nice and fast and you have very much low expenditure.","start":3015.34,"end":3025.195,"sentiment":"neutral","sentiment_score":0.29913729272390666},{"text":"Or did you wanna maybe look at reevaluating those levels of cover?","start":3025.655,"end":3028.8552,"sentiment":"neutral","sentiment_score":0.022313229584445555},{"text":"What are your thoughts there at the moment?","start":3028.8552,"end":3030.5552,"sentiment":"neutral","sentiment_score":-0.006037919665686786},{"text":"Yep.","start":3033.99,"end":3034.23,"sentiment":"neutral","sentiment_score":0.1991269588470459}],"sentiment":"neutral","sentiment_score":0.13604353377480566,"num_words":81,"start":3007.74,"end":3034.23},{"sentences":[{"text":"Beautiful.","start":3034.23,"end":3034.71,"sentiment":"positive","sentiment_score":0.4300096035003662},{"text":"And with not having income protection, I know you do have those four investment properties there.","start":3034.71,"end":3039.21,"sentiment":"neutral","sentiment_score":0.08730408293195069},{"text":"And, like, if you were not able to work, I know Chris is still working, and you've probably you've got money in the offset to sort of suffice.","start":3039.43,"end":3045.75,"sentiment":"neutral","sentiment_score":0.06977521601532187},{"text":"You're comfortable not having any income protection or any additional insurances.","start":3045.75,"end":3049.845,"sentiment":"neutral","sentiment_score":-0.013576100326397202},{"text":"You're just happy with the life and TPD.","start":3049.845,"end":3051.625,"sentiment":"neutral","sentiment_score":0.22983454167842865}],"sentiment":"neutral","sentiment_score":0.08546750326058827,"num_words":64,"start":3034.23,"end":3051.625},{"sentences":[{"text":"Is that right?","start":3051.685,"end":3052.585,"sentiment":"neutral","sentiment_score":0.11461145430803299},{"text":"Yep.","start":3054.885,"end":3055.385,"sentiment":"neutral","sentiment_score":0.02527693659067154},{"text":"No.","start":3059.605,"end":3059.845,"sentiment":"neutral","sentiment_score":-0.0437975712120533},{"text":"That's okay.","start":3059.845,"end":3060.745,"sentiment":"neutral","sentiment_score":0.027007007505744696},{"text":"Absolutely.","start":3062.32,"end":3062.82,"sentiment":"positive","sentiment_score":0.33339613676071167}],"sentiment":"neutral","sentiment_score":0.08909048500936478,"num_words":8,"start":3051.685,"end":3062.82},{"sentences":[{"text":"Fantastic.","start":3063.1199,"end":3063.6199,"sentiment":"positive","sentiment_score":0.4744578003883362},{"text":"And just looking at the beneficiary side of things as well there.","start":3064.32,"end":3067.2,"sentiment":"neutral","sentiment_score":0.19970223804314932},{"text":"So I can see we do have Chris noted as your beneficiary in the event of passing your super and your life insurance is paid after him at a 100%.","start":3067.2,"end":3075.8599,"sentiment":"neutral","sentiment_score":0.14442400733629862},{"text":"You're comfortable with that?","start":3076.0251,"end":3076.985,"sentiment":"neutral","sentiment_score":0.07885381113737822},{"text":"That's the way you want that sort of structured?","start":3076.985,"end":3078.7651,"sentiment":"neutral","sentiment_score":0.0900237758954366}],"sentiment":"neutral","sentiment_score":0.14873632329649158,"num_words":56,"start":3063.1199,"end":3078.7651},{"sentences":[{"text":"Yep.","start":3080.585,"end":3081.0652,"sentiment":"neutral","sentiment_score":0.2439427375793457},{"text":"Fantastic.","start":3081.0652,"end":3081.5652,"sentiment":"positive","sentiment_score":0.5368455648422241},{"text":"Look, everything is working really well very nicely.","start":3081.865,"end":3084.605,"sentiment":"positive","sentiment_score":0.6318606063723564},{"text":"I've got a really good idea of where we're sort of going with things.","start":3084.665,"end":3087.225,"sentiment":"positive","sentiment_score":0.5583278153623853},{"text":"There there's no need to sort of change the insurances now, which is a positive sign for you.","start":3087.225,"end":3091.645,"sentiment":"positive","sentiment_score":0.4842648075686561}],"sentiment":"positive","sentiment_score":0.5325959310645149,"num_words":42,"start":3080.585,"end":3091.645},{"sentences":[{"text":"Just double checking, having a look at the other estate planning side of things, I've got a note here that you do have a will and power of attorney.","start":3092.24,"end":3098.48,"sentiment":"neutral","sentiment_score":0.20288213625036436},{"text":"They're all still active and in place and reflect your current wishes.","start":3098.48,"end":3103.3599,"sentiment":"neutral","sentiment_score":0.2307787388563156},{"text":"Is that right?","start":3103.3599,"end":3104.26,"sentiment":"neutral","sentiment_score":0.13248440623283386},{"text":"Yeah.","start":3105.785,"end":3106.265,"sentiment":"neutral","sentiment_score":0.24176546931266785},{"text":"Fantastic.","start":3106.265,"end":3106.765,"sentiment":"positive","sentiment_score":0.49877581000328064}],"sentiment":"neutral","sentiment_score":0.21284611555545227,"num_words":46,"start":3092.24,"end":3106.765},{"sentences":[{"text":"Perfect.","start":3107.1448,"end":3107.625,"sentiment":"positive","sentiment_score":0.4311684966087342},{"text":"And how's your health been for the last twelve months?","start":3107.625,"end":3109.785,"sentiment":"neutral","sentiment_score":0.1458840101957321},{"text":"No major changes.","start":3109.785,"end":3110.6648,"sentiment":"neutral","sentiment_score":0.03866411248842875},{"text":"Everything's going really well?","start":3110.6648,"end":3112.2048,"sentiment":"neutral","sentiment_score":0.2309694066643715},{"text":"Oh, fantastic.","start":3114.505,"end":3115.4048,"sentiment":"positive","sentiment_score":0.5643378645181656}],"sentiment":"neutral","sentiment_score":0.20292771458625794,"num_words":20,"start":3107.1448,"end":3115.4048},{"sentences":[{"text":"That's what we wanna hear.","start":3115.545,"end":3116.825,"sentiment":"positive","sentiment_score":0.4180004596710205},{"text":"Excellent.","start":3116.825,"end":3117.325,"sentiment":"positive","sentiment_score":0.6281030178070068},{"text":"Excellent.","start":3117.7048,"end":3118.2048,"sentiment":"positive","sentiment_score":0.5321369171142578},{"text":"The only other thing to sort of confirm now, as we kinda mentioned you are in that high growth environment there, I've just got a really quick risk profile just to kinda gauge whether we've gotta make any changes to your portfolio.","start":3119.0,"end":3128.22,"sentiment":"neutral","sentiment_score":0.02057679467612789},{"text":"I don't think there are any changes to make there.","start":3128.5999,"end":3131.235,"sentiment":"neutral","sentiment_score":-0.0641473114490509}],"sentiment":"neutral","sentiment_score":0.058864313477681854,"num_words":59,"start":3115.545,"end":3131.235},{"sentences":[{"text":"You kinda sort of also mentioned to me that super sort of a backup plan.","start":3131.475,"end":3134.915,"sentiment":"neutral","sentiment_score":-0.009429805042843024},{"text":"Your main plan is, you know, looking at investment properties and investing in your own name outside of super there.","start":3134.915,"end":3141.415,"sentiment":"neutral","sentiment_score":-0.00793081414885819},{"text":"If you did see the market take a bit of a dip with your current balance and say it did fall by 20% in the next sort of one or two or even three years there, knowing that you're not able to access your money, how do you sort of feel about your super balance taking that sort of a dip in the short term?","start":3141.875,"end":3157.15,"sentiment":"neutral","sentiment_score":-0.061577462433622436},{"text":"Do you consider that you'd be quite concerned, maybe wanting to sell the investments?","start":3157.15,"end":3161.635,"sentiment":"neutral","sentiment_score":-0.050588849665863175},{"text":"Do you think it's maybe more of an investment opportunity, or are you probably just wanting to hold and wait and see what happens?","start":3161.855,"end":3168.175,"sentiment":"neutral","sentiment_score":-0.04165228510585924}],"sentiment":"neutral","sentiment_score":-0.04355432720773894,"num_words":138,"start":3131.475,"end":3168.175},{"sentences":[{"text":"What's your thought?","start":3168.175,"end":3169.155,"sentiment":"neutral","sentiment_score":-0.017878137528896332},{"text":"Yep.","start":3172.5898,"end":3173.0898,"sentiment":"neutral","sentiment_score":0.13607226312160492},{"text":"Trust the process.","start":3173.79,"end":3174.75,"sentiment":"neutral","sentiment_score":0.19511721531550089},{"text":"I love it.","start":3174.75,"end":3175.73,"sentiment":"positive","sentiment_score":0.586860328912735},{"text":"All good.","start":3176.91,"end":3177.73,"sentiment":"positive","sentiment_score":0.3811427354812622}],"sentiment":"neutral","sentiment_score":0.26588799618184566,"num_words":12,"start":3168.175,"end":3177.73},{"sentences":[{"text":"The other question here is looking at what kind of reasonable rate of return you're expecting to achieve from your investments.","start":3177.8699,"end":3183.0698,"sentiment":"neutral","sentiment_score":0.0785524169249194},{"text":"I've ticked number one, trying to obtain the best return you possibly can for the risk level you're taking.","start":3183.0698,"end":3188.165,"sentiment":"neutral","sentiment_score":0.09735633726967008},{"text":"Is that accurate?","start":3188.165,"end":3189.0652,"sentiment":"neutral","sentiment_score":0.07175592084725697},{"text":"Yep.","start":3190.645,"end":3191.145,"sentiment":"neutral","sentiment_score":0.16723817586898804},{"text":"Fantastic.","start":3191.205,"end":3191.705,"sentiment":"positive","sentiment_score":0.37738001346588135}],"sentiment":"neutral","sentiment_score":0.09465015812052621,"num_words":45,"start":3177.8699,"end":3191.705},{"sentences":[{"text":"And the last one here is have you ever seen your super full in value?","start":3192.485,"end":3195.925,"sentiment":"neutral","sentiment_score":0.13258912960688274},{"text":"I'm sort of noting that you're not really sort of worried.","start":3195.925,"end":3198.485,"sentiment":"neutral","sentiment_score":0.04307365282015367},{"text":"Any sort of major drops in your super, you're happy to to sort of wait and still, you wouldn't be too concerned about that.","start":3198.485,"end":3203.97,"sentiment":"neutral","sentiment_score":0.05143625886800388},{"text":"Yep.","start":3207.39,"end":3207.89,"sentiment":"neutral","sentiment_score":0.004010961391031742},{"text":"Yeah.","start":3210.75,"end":3211.25,"sentiment":"neutral","sentiment_score":-0.0351945161819458}],"sentiment":"neutral","sentiment_score":0.07049872659934828,"num_words":52,"start":3192.485,"end":3211.25},{"sentences":[{"text":"No.","start":3211.39,"end":3211.63,"sentiment":"neutral","sentiment_score":-0.03648485615849495},{"text":"That's okay.","start":3211.63,"end":3212.3499,"sentiment":"neutral","sentiment_score":0.025310873985290527},{"text":"Not a problem at all.","start":3212.3499,"end":3213.735,"sentiment":"neutral","sentiment_score":0.06822840645909309},{"text":"And the last one here is looking at have you ever thought about taking out a loan to invest?","start":3214.215,"end":3218.0752,"sentiment":"neutral","sentiment_score":0.00326940609681371},{"text":"You did say last year that you would so long as you have the right sort of advice around that, and you have borrowed to buy those investment properties.","start":3218.375,"end":3225.0352,"sentiment":"neutral","sentiment_score":0.03676292068999389}],"sentiment":"neutral","sentiment_score":0.026491470356372053,"num_words":56,"start":3211.39,"end":3225.0352},{"sentences":[{"text":"So taking number one there that you are comfortable borrowing to invest given your time horizon at the moment.","start":3225.735,"end":3230.67,"sentiment":"neutral","sentiment_score":0.0487178494467547},{"text":"Is that right, or would you alter that decision?","start":3230.67,"end":3232.93,"sentiment":"neutral","sentiment_score":-0.021209093638592295},{"text":"That sounds fine.","start":3234.83,"end":3235.89,"sentiment":"neutral","sentiment_score":-0.10003313670555751},{"text":"Yep.","start":3237.15,"end":3237.6301,"sentiment":"neutral","sentiment_score":0.14019270241260529},{"text":"Yep.","start":3237.6301,"end":3237.95,"sentiment":"neutral","sentiment_score":0.25141143798828125}],"sentiment":"neutral","sentiment_score":0.025038243243188568,"num_words":33,"start":3225.735,"end":3237.95},{"sentences":[{"text":"Beautiful.","start":3237.95,"end":3238.45,"sentiment":"positive","sentiment_score":0.6355289220809937},{"text":"Well, you've definitely scored there as a high growth investor given your time horizon and the way your super is growing.","start":3238.67,"end":3245.145,"sentiment":"positive","sentiment_score":0.5964512867586953},{"text":"And, obviously, you know, the way you are in your life, it does sound like the right place to be.","start":3245.525,"end":3250.4048,"sentiment":"positive","sentiment_score":0.43610169142484667},{"text":"If you ever are finding or hearing anything in the out in the market or in the news that is concerning, please feel free to give us a call.","start":3250.4048,"end":3256.885,"sentiment":"neutral","sentiment_score":0.16083893154201837},{"text":"We are definitely here to help you.","start":3256.885,"end":3258.72,"sentiment":"positive","sentiment_score":0.5430884276117597}],"sentiment":"positive","sentiment_score":0.3890895869296331,"num_words":78,"start":3237.95,"end":3258.72},{"sentences":[{"text":"We do wanted to do these reviews a bit more regularly with you.","start":3258.96,"end":3262.0,"sentiment":"neutral","sentiment_score":0.10261637602861111},{"text":"Did you want us to do a bit of a catch up with regard to your super in maybe the next six months or three months, or are you happy with just the review once a year?","start":3262.0,"end":3268.64,"sentiment":"neutral","sentiment_score":0.058805605044236056},{"text":"What would you kinda prefer moving forward?","start":3268.64,"end":3270.66,"sentiment":"neutral","sentiment_score":0.031131588986941745},{"text":"Yeah.","start":3273.8552,"end":3274.3552,"sentiment":"neutral","sentiment_score":0.026360314339399334},{"text":"Six monthly?","start":3277.5352,"end":3278.2551,"sentiment":"neutral","sentiment_score":0.02012695139274001}],"sentiment":"neutral","sentiment_score":0.0632392602507025,"num_words":60,"start":3258.96,"end":3278.2551},{"sentences":[{"text":"Yeah.","start":3278.2551,"end":3278.655,"sentiment":"neutral","sentiment_score":0.13800674676895142},{"text":"Perfect.","start":3278.655,"end":3279.0552,"sentiment":"positive","sentiment_score":0.3367176651954651},{"text":"I'll put that in the calendar there for you so my team will touch base.","start":3279.0552,"end":3282.175,"sentiment":"neutral","sentiment_score":0.21184759736061096},{"text":"In about six months, they'll do a bit more of a a review, sorry, around your super just to kinda give you a bit of a quick catch up and see how things are traveling there for you.","start":3282.175,"end":3290.99,"sentiment":"neutral","sentiment_score":0.136112518804638},{"text":"In the meantime, I'm gonna shoot through after the call your annual review documents as there there as well.","start":3291.53,"end":3296.65,"sentiment":"neutral","sentiment_score":0.10820789282259188}],"sentiment":"neutral","sentiment_score":0.14703600068350095,"num_words":74,"start":3278.2551,"end":3296.65},{"sentences":[{"text":"So it does have a portfolio report to show you.","start":3296.65,"end":3299.265,"sentiment":"neutral","sentiment_score":0.15945841521024703},{"text":"Essentially, what I was looking at when looking at the returns and give you a bit of a breakdown of how your super's been performing.","start":3299.505,"end":3304.565,"sentiment":"neutral","sentiment_score":0.1523967558145523},{"text":"It's also got the certificate of currency there for you.","start":3305.265,"end":3308.065,"sentiment":"neutral","sentiment_score":0.12915750592947006},{"text":"I've got the financial services guide.","start":3308.065,"end":3309.9048,"sentiment":"neutral","sentiment_score":0.07074295729398727},{"text":"So I'm not sure if we've spoken before.","start":3309.9048,"end":3311.825,"sentiment":"neutral","sentiment_score":0.028449909761548042}],"sentiment":"neutral","sentiment_score":0.12454466319690316,"num_words":59,"start":3296.65,"end":3311.825},{"sentences":[{"text":"It doesn't look like we have, but I'm a full licensed adviser the same as the others here and Tommy was.","start":3311.825,"end":3316.98,"sentiment":"neutral","sentiment_score":0.06887539183454854},{"text":"Essentially, all of that information's in the financial services guide.","start":3317.2,"end":3320.24,"sentiment":"neutral","sentiment_score":0.06506299562752246},{"text":"That one's who I am, what I do, has a lovely picture of me in there for you if you wanna have a bit of a look at that, and, also, my registration information as I'm a licensed adviser through Asics.","start":3320.24,"end":3330.0452,"sentiment":"positive","sentiment_score":0.4587373733520508},{"text":"So you can have a bit of a look through that, get a bit of a guide on who we are, what we do, and how we do it.","start":3330.0452,"end":3334.685,"sentiment":"neutral","sentiment_score":0.3176417052745819},{"text":"And, Chris, if you wanted to have a bit of a look through that, absolutely.","start":3334.685,"end":3337.5051,"sentiment":"neutral","sentiment_score":0.23335664272308348}],"sentiment":"neutral","sentiment_score":0.28980348781072374,"num_words":116,"start":3311.825,"end":3337.5051},{"sentences":[{"text":"It just breaks down a bit more around our services, who we are, what we do, how we do it, and what advisers essentially do.","start":3338.06,"end":3343.92,"sentiment":"neutral","sentiment_score":0.154778807759285},{"text":"I'll also have the ongoing service agreement attached there.","start":3344.46,"end":3347.74,"sentiment":"neutral","sentiment_score":0.17084100511338976},{"text":"So if you find you're happy with the services, wanna stay onboard for the next twelve months there, I'll just get you to sign and return that one back there for us, Laura.","start":3347.74,"end":3355.975,"sentiment":"neutral","sentiment_score":0.32497303503932373},{"text":"That just allows us to keep looking after your super, providing the services, and updating the advice in relation to super.","start":3356.215,"end":3362.235,"sentiment":"positive","sentiment_score":0.3547493361291431},{"text":"And then I'll send that other email out separately to you, just to we'll just correlate all the data so we can have a bit of a a look at what your goals and objectives are, and we'll come back and have another conversation when you're come when you guys are ready to really look at, you know, what the research looks like, what your goals are, and what we can maybe do advice wise to help you along investing in your own name.","start":3362.7751,"end":3384.675,"sentiment":"neutral","sentiment_score":0.24723904118651435}],"sentiment":"neutral","sentiment_score":0.2578428192713926,"num_words":172,"start":3338.06,"end":3384.675},{"sentences":[{"text":"How does that sound so far?","start":3384.895,"end":3386.435,"sentiment":"neutral","sentiment_score":0.15037048608064651},{"text":"Yeah.","start":3388.0952,"end":3388.5752,"sentiment":"positive","sentiment_score":0.45643702149391174},{"text":"All good.","start":3388.5752,"end":3389.215,"sentiment":"positive","sentiment_score":0.6791431903839111},{"text":"Fantastic.","start":3389.215,"end":3389.715,"sentiment":"positive","sentiment_score":0.7377257943153381},{"text":"Everything that's kind of everything I needed to touch on now.","start":3391.31,"end":3394.19,"sentiment":"positive","sentiment_score":0.4427234015681527}],"sentiment":"positive","sentiment_score":0.39641093001479194,"num_words":21,"start":3384.895,"end":3394.19},{"sentences":[{"text":"I think the main thing is to get that email out to you and kinda correlate the data.","start":3394.19,"end":3397.89,"sentiment":"neutral","sentiment_score":0.300458699464798},{"text":"I'll get the information back as quickly as if you can get that back to me as quickly as you can in relation to your income side of things and the catch up contributions, just so I can correlate that advice case there for you, Laura, and get that update up to date.","start":3398.35,"end":3411.235,"sentiment":"positive","sentiment_score":0.3655439058564744},{"text":"Chris, because I don't have access to your super, I can't can't give you personal advice there.","start":3411.935,"end":3416.17,"sentiment":"neutral","sentiment_score":-0.2680090337115176},{"text":"But if you wanted to send me yours, I could give you a bit of a breakdown on, you know, essentially making a deductible contribution.","start":3416.17,"end":3422.27,"sentiment":"neutral","sentiment_score":0.08172792419791222},{"text":"Or, alternatively, if you just look at your catch up contributions, it tells you how much you have available cap space, and you'll be able to utilize that as well.","start":3422.49,"end":3431.535,"sentiment":"neutral","sentiment_score":0.1663162502149741}],"sentiment":"neutral","sentiment_score":0.19061968978364152,"num_words":143,"start":3394.19,"end":3431.535},{"sentences":[{"text":"Is that okay?","start":3431.535,"end":3432.435,"sentiment":"neutral","sentiment_score":0.14615191519260406},{"text":"Yeah.","start":3439.455,"end":3439.935,"sentiment":"neutral","sentiment_score":0.2134329080581665},{"text":"Yeah.","start":3439.935,"end":3440.335,"sentiment":"positive","sentiment_score":0.3757286369800568},{"text":"Love to have more of a chat about your super and have a look at what we can do moving forward.","start":3440.335,"end":3444.3,"sentiment":"positive","sentiment_score":0.6612100005149841},{"text":"Absolutely.","start":3444.62,"end":3445.12,"sentiment":"neutral","sentiment_score":0.27636465430259705}],"sentiment":"positive","sentiment_score":0.5625700724345667,"num_words":27,"start":3431.535,"end":3445.12},{"sentences":[{"text":"Do you guys have any other questions?","start":3446.3,"end":3448.3,"sentiment":"neutral","sentiment_score":0.1900413589818137},{"text":"Is there something I've missed or haven't touched on that you maybe wanted me to touch on for either of you?","start":3448.3,"end":3453.58,"sentiment":"neutral","sentiment_score":0.06934957232858453},{"text":"Or yeah.","start":3453.58,"end":3460.015,"sentiment":"neutral","sentiment_score":-0.007249552756547928},{"text":"Yeah.","start":3465.835,"end":3466.335,"sentiment":"neutral","sentiment_score":-0.07965917885303497},{"text":"Yep.","start":3466.9548,"end":3467.4548,"sentiment":"neutral","sentiment_score":-0.10662027448415756}],"sentiment":"neutral","sentiment_score":0.08080787415383384,"num_words":32,"start":3446.3,"end":3467.4548},{"sentences":[{"text":"Yes.","start":3483.385,"end":3483.885,"sentiment":"neutral","sentiment_score":-0.04833110049366951},{"text":"Yeah.","start":3490.825,"end":3491.325,"sentiment":"neutral","sentiment_score":-0.009079805575311184},{"text":"Yep.","start":3498.9202,"end":3499.4202,"sentiment":"neutral","sentiment_score":-0.022920791059732437},{"text":"Yeah.","start":3510.775,"end":3511.275,"sentiment":"neutral","sentiment_score":-0.0825757309794426},{"text":"Yeah.","start":3513.735,"end":3514.235,"sentiment":"neutral","sentiment_score":-0.11546765267848969}],"sentiment":"neutral","sentiment_score":-0.05567501615732908,"num_words":5,"start":3483.385,"end":3514.235},{"sentences":[{"text":"Yeah.","start":3517.39,"end":3517.89,"sentiment":"neutral","sentiment_score":-0.16591830551624298},{"text":"Oh, yeah.","start":3527.95,"end":3528.69,"sentiment":"neutral","sentiment_score":0.00611233850941062},{"text":"Wow.","start":3529.7751,"end":3530.2751,"sentiment":"neutral","sentiment_score":-0.007828842848539352},{"text":"Wow.","start":3545.07,"end":3545.15,"sentiment":"neutral","sentiment_score":-0.08846478164196014},{"text":"Yeah.","start":3545.15,"end":3545.65,"sentiment":"neutral","sentiment_score":-0.03226581960916519}],"sentiment":"neutral","sentiment_score":-0.047042178766181074,"num_words":6,"start":3517.39,"end":3545.65},{"sentences":[{"text":"Yeah.","start":3561.8052,"end":3562.125,"sentiment":"neutral","sentiment_score":-0.055147282779216766},{"text":"Because it's in court, you may not be able to do anything until it goes to the legal process.","start":3562.125,"end":3567.0251,"sentiment":"neutral","sentiment_score":-0.1316629965838633},{"text":"But I'll see if there's a solicitor or someone I can refer you through to to maybe have a look at that in a bit more detail.","start":3567.885,"end":3574.9001,"sentiment":"neutral","sentiment_score":-0.010431821216587667},{"text":"But, yeah, I'll see what I can find and maybe get some additional information there for you.","start":3576.56,"end":3580.0,"sentiment":"neutral","sentiment_score":0.05479004409383325},{"text":"It might just be that that's all kind of locked away for the moment.","start":3580.0,"end":3582.445,"sentiment":"neutral","sentiment_score":-0.04043024951325996}],"sentiment":"neutral","sentiment_score":-0.03170507864501232,"num_words":78,"start":3561.8052,"end":3582.445},{"sentences":[{"text":"So, Chris, is that all your super, or do you have other super that you're getting money paid into at the moment as well?","start":3582.445,"end":3589.345,"sentiment":"neutral","sentiment_score":0.0075493353651836514},{"text":"Okay.","start":3601.9802,"end":3602.4802,"sentiment":"neutral","sentiment_score":0.005955510772764683},{"text":"Yep.","start":3604.3,"end":3604.8,"sentiment":"neutral","sentiment_score":0.018518581986427307},{"text":"Yeah.","start":3609.175,"end":3609.655,"sentiment":"neutral","sentiment_score":-0.010830217972397804},{"text":"Yeah.","start":3609.655,"end":3610.155,"sentiment":"neutral","sentiment_score":-0.006679641082882881}],"sentiment":"neutral","sentiment_score":0.006719581516725677,"num_words":28,"start":3582.445,"end":3610.155},{"sentences":[{"text":"Still.","start":3611.415,"end":3611.915,"sentiment":"neutral","sentiment_score":-0.07346755266189575},{"text":"No.","start":3612.695,"end":3613.175,"sentiment":"neutral","sentiment_score":-0.2049096077680588},{"text":"Still a lot of money to have sitting there not doing anything now, isn't it?","start":3613.175,"end":3616.475,"sentiment":"neutral","sentiment_score":-0.2635639324784279},{"text":"Yeah.","start":3617.655,"end":3618.155,"sentiment":"neutral","sentiment_score":-0.20621582865715027},{"text":"No.","start":3619.175,"end":3619.675,"sentiment":"negative","sentiment_score":-0.44281452894210815}],"sentiment":"neutral","sentiment_score":-0.2568877108002964,"num_words":19,"start":3611.415,"end":3619.675},{"sentences":[{"text":"No.","start":3621.96,"end":3622.36,"sentiment":"negative","sentiment_score":-0.3423340916633606},{"text":"No.","start":3622.36,"end":3622.68,"sentiment":"neutral","sentiment_score":-0.24262189865112305},{"text":"Definitely.","start":3622.68,"end":3623.1602,"sentiment":"neutral","sentiment_score":-0.10939362645149232},{"text":"And your money's working over here in the other super funds.","start":3623.1602,"end":3625.48,"sentiment":"neutral","sentiment_score":-0.11618131636218591},{"text":"So that's okay.","start":3625.48,"end":3626.28,"sentiment":"neutral","sentiment_score":0.17578940590222678}],"sentiment":"neutral","sentiment_score":-0.08499858112019651,"num_words":17,"start":3621.96,"end":3626.28},{"sentences":[{"text":"No.","start":3626.28,"end":3626.52,"sentiment":"neutral","sentiment_score":-0.08951792120933533},{"text":"Absolutely.","start":3626.52,"end":3627.02,"sentiment":"neutral","sentiment_score":0.1451651155948639},{"text":"Look.","start":3627.32,"end":3627.48,"sentiment":"neutral","sentiment_score":0.08546467870473862},{"text":"It honestly does look like the money will unfortunately be tied up until it goes through the court process, but I can have a bit of a look and find out what what I can find information wise.","start":3627.48,"end":3637.285,"sentiment":"neutral","sentiment_score":-0.037574160157849916},{"text":"And if there's maybe a solicitor we can refer you through to to maybe have a conversation around that, I will.","start":3637.285,"end":3642.7449,"sentiment":"neutral","sentiment_score":0.08630416985778581}],"sentiment":"neutral","sentiment_score":0.008478731517830202,"num_words":62,"start":3626.28,"end":3642.7449},{"sentences":[{"text":"But I'll do a bit of research for you and see what we can come up with there.","start":3643.605,"end":3646.9849,"sentiment":"neutral","sentiment_score":0.05763766003979577},{"text":"That's a bit of a shame.","start":3648.3801,"end":3649.76,"sentiment":"negative","sentiment_score":-0.7499802609284719},{"text":"You probably had some high hopes from that one property.","start":3650.1401,"end":3652.54,"sentiment":"neutral","sentiment_score":0.10586256124079227},{"text":"So the intention with that SMSF, are you sort of hoping to just kinda get through the court process, get your funds back, and maybe close it off, or do you kinda hope they're gonna get that property built?","start":3652.54,"end":3661.74,"sentiment":"neutral","sentiment_score":-0.04686641306258165},{"text":"Or what do you sort of think down the track you would hope to get from this?","start":3661.74,"end":3665.195,"sentiment":"neutral","sentiment_score":-0.004018808112424963}],"sentiment":"neutral","sentiment_score":-0.047776532442205484,"num_words":90,"start":3643.605,"end":3665.195},{"sentences":[{"text":"Yeah.","start":3735.84,"end":3736.24,"sentiment":"neutral","sentiment_score":-0.033647291362285614},{"text":"No.","start":3736.24,"end":3736.48,"sentiment":"neutral","sentiment_score":-0.13313712179660797},{"text":"That's understandable.","start":3736.48,"end":3737.3801,"sentiment":"neutral","sentiment_score":-0.10811365395784378},{"text":"That's okay.","start":3737.68,"end":3738.42,"sentiment":"neutral","sentiment_score":0.07671452686190605},{"text":"As I said, I'll find out what I can about that.","start":3738.855,"end":3740.855,"sentiment":"neutral","sentiment_score":0.06053170223127712}],"sentiment":"neutral","sentiment_score":0.025662709246663487,"num_words":17,"start":3735.84,"end":3740.855},{"sentences":[{"text":"I'll see if there's a solicitor I can refer you through to sort of help you along.","start":3740.855,"end":3744.235,"sentiment":"neutral","sentiment_score":0.0993987773271168},{"text":"In the meantime, I will send you a really nice, big, bulky email with the things we need to correlate for the extra advice there for you.","start":3745.4949,"end":3751.575,"sentiment":"neutral","sentiment_score":0.2367871872804783},{"text":"We'll look at your income, look at the deductible contribution.","start":3751.575,"end":3754.45,"sentiment":"neutral","sentiment_score":0.14084987267851828},{"text":"I'll do some research around the additional investment in super and see what we can switch to that too and how that looks there for you.","start":3754.51,"end":3761.25,"sentiment":"neutral","sentiment_score":0.1885087349666999},{"text":"And then we'll come back and have a bit more of another conversation and and look at what your goals are with regards to investing in your own name and see what we can do to help.","start":3761.63,"end":3767.0176,"sentiment":"neutral","sentiment_score":0.1539487357477884}],"sentiment":"neutral","sentiment_score":0.17169967803180727,"num_words":117,"start":3740.855,"end":3767.0176},{"sentences":[{"text":"Okay?","start":3767.0176,"end":3767.205,"sentiment":"neutral","sentiment_score":0.09651733934879304},{"text":"In your own name and see what we can do to help.","start":3767.205,"end":3770.905,"sentiment":"neutral","sentiment_score":0.09751708681384723},{"text":"Okay?","start":3771.365,"end":3771.865,"sentiment":"neutral","sentiment_score":0.1935995817184448},{"text":"No.","start":3772.8052,"end":3773.0452,"sentiment":"neutral","sentiment_score":0.09534505009651184},{"text":"That's okay.","start":3773.0452,"end":3773.7651,"sentiment":"neutral","sentiment_score":0.16229093074798584}],"sentiment":"neutral","sentiment_score":0.11060287496622871,"num_words":17,"start":3767.0176,"end":3773.7651},{"sentences":[{"text":"Thank you so much.","start":3773.7651,"end":3774.8052,"sentiment":"positive","sentiment_score":0.6150016188621521},{"text":"I'll let you guys go for the afternoon.","start":3774.8052,"end":3776.5652,"sentiment":"neutral","sentiment_score":0.28645581007003784},{"text":"If there's anything else, let me know.","start":3776.5652,"end":3778.3252,"sentiment":"neutral","sentiment_score":0.15278982583965575},{"text":"Laura, you also have my email address.","start":3778.3252,"end":3780.165,"sentiment":"neutral","sentiment_score":0.09953772170203072},{"text":"So if anything else comes up that you've missed or that you need additional, let me know.","start":3780.165,"end":3785.0598,"sentiment":"neutral","sentiment_score":0.10545739531517029}],"sentiment":"neutral","sentiment_score":0.19327259323624676,"num_words":43,"start":3773.7651,"end":3785.0598},{"sentences":[{"text":"Always happy to make more time to come back and talk.","start":3785.0598,"end":3787.6199,"sentiment":"positive","sentiment_score":0.41508441621607},{"text":"We'll get the contribution side of things sorted for you because that's more time sensitive given we're in June.","start":3787.94,"end":3793.0798,"sentiment":"neutral","sentiment_score":0.19666175583475515},{"text":"And then we'll come back and look more in detail at the the other side of the advice for you guys.","start":3793.395,"end":3798.2751,"sentiment":"neutral","sentiment_score":0.09478424436279706},{"text":"Okay?","start":3798.2751,"end":3798.7751,"sentiment":"neutral","sentiment_score":0.09798088669776917},{"text":"Oh, my pleasure.","start":3801.475,"end":3802.355,"sentiment":"positive","sentiment_score":0.5880059997240702}],"sentiment":"neutral","sentiment_score":0.22099945375865157,"num_words":55,"start":3785.0598,"end":3802.355},{"sentences":[{"text":"It's been a pleasure to catch up with you both.","start":3802.355,"end":3804.115,"sentiment":"positive","sentiment_score":0.7522700071334839},{"text":"It's been a really good you've got a lot going on, so we'll definitely see what we can do to help.","start":3804.115,"end":3808.295,"sentiment":"positive","sentiment_score":0.6760951365743365},{"text":"Not a problem at all.","start":3811.45,"end":3812.3298,"sentiment":"positive","sentiment_score":0.5490363359451294},{"text":"You both have an amazing afternoon.","start":3812.3298,"end":3814.2698,"sentiment":"positive","sentiment_score":0.7264355818430582},{"text":"Thank you for your time.","start":3814.41,"end":3815.71,"sentiment":"positive","sentiment_score":0.6940130829811096}],"sentiment":"positive","sentiment_score":0.6871182664911798,"num_words":47,"start":3802.355,"end":3815.71},{"sentences":[{"text":"Thanks.","start":3817.0498,"end":3817.5298,"sentiment":"positive","sentiment_score":0.3469187021255493},{"text":"Bye.","start":3817.5298,"end":3818.0298,"sentiment":"neutral","sentiment_score":0.18976110219955444}],"sentiment":"neutral","sentiment_score":0.2683399021625519,"num_words":2,"start":3817.0498,"end":3818.0298}]}}]},{"alternatives":[{"transcript":"Hello? Laura speaking. Good. How are you? It is. Yes. Thank you. Yep. That's fine. Yeah. So it's Laura Jane at Britain, thirty first of first nineteen 90, And 6 Blue Water Road, Veral, Queensland. Not too bad, actually. How's yours? Yeah. Exactly. Yep. Yeah. So we did write down a couple of questions. So what so currently, we go through a company that we so just a bit of background. We've got four investment properties. And two of those, we went through an adviser to set up, and they then recommended, like, a tax agent to do our tax returns through. But we're not happy with them. So we were wanting to know, does Oakley do tax returns or no? Yep. Yep. Yeah. That would be perfect, please. Yeah. Because with that as well, we've also got a self managed super fund, and it's the same company who's doing the tax returns for that. So, obviously, we wanna get both done through someone else, so just so we're happy with what they're offering us. So that would be perfect. Awesome. Thank you. So another question that we have is at the moment with our properties, we've got it set up. So we've got one that's fully offset. And I think now we only owe about maybe $40 on it. And then we've got the two of them. Like, so what we're trying to do at the moment is reduce debt because, obviously, we don't feel comfortable buying we're not we don't feel comfortable. I don't know the best way to describe it. But we've decided not to buy anymore at the moment, and we're trying to reduce debt. And so we've got one that's, yeah, completely fully offset, and we're trying to with our pay, what we're doing each week is yes. With a 44 owing on it, is quickly I pay that one off so that it'll be sitting at zero. We've got another one that we only have, I think, 75,000 left on, and so, obviously, trying to pay those two down as well. We've got the other two set up that they're interest only. And so I think that's locked into five years, and then we'll start obviously, once we got these two paid off, we're, like, technically, sitting at zero, we would then start putting money into the offset of one of those other properties. I suppose the question is, does that sound like that's a good idea? Yeah. So one of them is so the one that's only got 44 left on it is. The one that's got about 75 left on it is just interest at the moment, interest only. Sorry. I've got my husband sitting beside me. He's about to butt in. How are you going? What were you gonna say, Chris? Yeah. So the other one's interest only, but the reason it's almost paid off is because it's almost a 100% offset. Yeah. Sorry. So for the one that's gonna got 44 oving, we're paying that onto the loan so that we get the loan fully down. So the one that's got 75 left $75 left until it's fully offset, that's getting paid into the offset account. So, yeah, the idea behind that the reason our broker told us to do that is so that we've got that cash sitting there in case we need it. Yes. I think so. Yeah. This is a good question. I'm not sure if So the one of the main file one's variable because it's principal and interest. The other ones are just interest only. Yeah. The Yeah. Yes. Okay. Perfect. Okay. Perfect. I was just thinking too, just before you rang, I was just thinking the the one that we've only got 44 left owing on it, we've got 44 plus, but it's fully offset at the moment. But as I said, we're paying that into the actual mortgage now each fortnight when our pay comes through. But because that's principal and interest, is there any benefit of having that 44 sitting in that loan? Is that reducing the interest payments? It still isn't it? Yeah. Yeah. Okay. Yep. Yeah. Yeah. No. That's okay. Because I was just thinking in my head, I was like, oh, what's the point of having that money sitting in the offset? We might as well put it in the other property offset. But if it's still offsetting the interest, then we'll leave it as it is, how that's going. But that sounds yes. So that sounds like that's fine. So another question sorry. We had five questions. So the next question sorry. We have both earned, like, quite a fair bit of money this year because we've been long story short, we're on a project where we're working very long hours. And so we're wanting to know, do you think it's advisable to put money into our super to reduce our income? I think it's the easiest way to describe it. You know how you can do the yeah. Yeah. Yeah. Yep. Yep. Yep. Yeah. If you could, that would be really good, please. So with doing that sorry. I was just gonna say, with doing that, is there any, like, downsides to doing that? I suppose there goes that money and you can't touch it until you can access this Subaru. Is that the only downside? Until you can access this Subaru. Is that the only downside? Yep. Yeah. That does. Yep. Okay. Cool. Yes. Yep. Yeah. Probably that. Because like our look at our our final question we're we're going to ask is we wanna start so, obviously, we've got the four investment properties, but we want to What is the, yeah, what is the best way? Like, whether we need to sit down and have a actual meeting on structuring everything the best way possible, like, to take advantage of our investment properties, whether we buy shares. Is it better money sitting in offset accounts? Are we better taking the money out of the offset and buying shares and then having tax deductions from having the loan on the investment properties? Like, really, we don't know. So Yeah. So because what I was gonna say, look, I like the idea of diversifying. And so what what is best for us to do? Yes. That's correct. Yeah. A lesson convinced me. Yep. It does. Yeah. Yeah. That's a really good point. Because our problem also is the fact that so we've got four investment properties, but the work that we do at the moment so we haven't actually lived, I suppose, in a house for the last nearly six years now. So we actually live in a Caribbean and travel Australia for work. So, like, we've so, you know, like, we've got four houses, but we don't actually have somewhere that we live. And so our goal is to retire as early as possible. We have the age 50 in mind, but we would and also so, like, we're trying to obviously earn as much money as possible and put investments in place to be able to retire early, but we would also have to consider that at some stage, we do need to buy a house to actually live in as well. So I suppose our idea to start with so because we when we're at work, we our accommodation gets paid for. Sometimes our food gets paid for. So our bills when we're at work are very minimal. So, like, for example, we've been at our current job site for the last eight months, and we have had no bills. So we when we're at work, we're able to save a lot of money. And so pretty much, we just had money that we weren't doing anything with, and we were like, okay. We wanna invest. What are we gonna do? Property. And so then that's why we just started buying properties because we could afford to. And so we didn't then have sort of, like, a long term, okay. This is what our plan is. Because at the same time, we don't know like, you know, like a like a typical person. You know? They live in a town. They do their job. They have their home. They're paying off the mortgage. Our life isn't normal, I suppose, is a good way to describe it. So we don't know because we don't know, like, say, if something was like, you know, where do you see yourself in five years? We don't know at this stage. Yeah. It's really hard to say, So I don't know how to answer that question. Mhmm. Yeah. Yeah. It's hard to know. Chris, do you have need we don't know. Yeah. No. We don't know where we we don't know where we wanna live. I would say it's highly unlikely that we would live in one of these properties. So we'd potentially, yeah, probably sell one or two to then purchase the house we do wanna live in and then maybe keep two and own them outright as an income, maybe. But, yeah, the the real goal is to retire, like, as as soon as possible. The job that we do is, yeah, extremely difficult. We do massive hours, like, seventy plus hours a week, and we've been doing it for years now, and we're absolutely burned out. And, yeah, trying to do everything we can at the moment to set ourself up the best we possibly can to to get the money working for us as as much as we can so that we can work with. What? It's flat remote. Yeah. 40 five. That's just so ridiculous. Exactly. At least be in a position where you've got the option to to retire or even part time. Like, it doesn't mean that you never work again if you've got enough money to retire and then still wanna do a part time job or even volunteer work or whatever. Yeah. Yeah. Yeah. Advice on that. And then, obviously, yeah, the main thing I was thinking, because I know last time I had this meeting last year, the person that I spoke to said about looking to investing in shares. And so that's what we were thinking now for this time because I just we got the properties and then look at what other ways we can do it. But, yeah, like you said, if it is better just to put that money into the offset instead of into shares, that's probably something that we need to work out first before just going and buying shares. Yeah. Yes. Yes. Yep. Yes. Yep. Yep. That sounds good. Because the other problem is too at the moment when you but how for our situation to try and work out how much we would need to retire on, it's very difficult because we of it. Like I said, when we're at work, we don't have any expenses really. So we can't really sit down and go, okay. This is what our current expenses are. Then you put, you know, work in the inflation cost because ours is not correct. Yeah. So to be able to try work that out, no idea how to calculate that. Yep. So, yeah, we would not retire until we had our where we were living paid off. Yeah. Yep. So that would be our plan there. How much did you say the average person needs to live off? Yeah. Okay. Yeah. At least we sort of got that idea then. Because we would be looking, like, we I'd say too, like, we're we are tired asses, but we would want to have the opportunity not to be. So we would probably be looking more towards that 1,000 a week so that we'd have money sitting there. So if we did wanna go splurge on something, we can. Or if, you know, we wanna do an overseas holiday every year, we can. It's gonna be more than that. Yeah. So So what are the next next steps then? Yep. Yep. Yep. Perfect. Yeah. Definitely open to doing. I just think we are so out of touch with what stuff cost. But, like, we've been doing this for six years now, so we haven't, like, we haven't had an electricity bill in six years. We haven't had electricity bill in six years. We haven't had a water bill in six years. Like, we haven't had to like, and we don't like, at the moment, we're living in a, like, a mine site camp style. So we haven't had to buy food for the last year. We just got no idea how much stuff actually cost. We've only just gone on to a roster with work, but we're actually off this week and just going to the shops and going food shopping. We're just blown away with how much that cost. So yeah. We're just yeah. Yeah. I would have to like still do the Google research to see what the average cost of stuff is. Yep. That sounds good. Yeah. Yeah. That sounds good. Yeah. No. Yeah. Chris Chris is good. Thanks. Yeah. Yep. So that would be the one number one that says Harvey Bay. Yeah. 44 and a half. Yep. Then so we've actually got four now. So we must have purchased another one since then. So did you want the amount for all of them or what? Yeah. Okay. So that would be this this property is just outside of Harvey Bay. So it's still a suburb of Harvey Bay. But so it is got $4.50 owing, but it's got 375 in the offset. Yep. And then we've got one in Sunbury, which is in Victoria. It would be. Yeah. Yep. And that one's $5.32. And then the new one is Western Australia, and it's got $5.60. And so neither of those have anything in the offset. It just yeah. Just adding to that. The the way that the this is all structured, there's a master facility is what they call it. So that's actually debt that's related with deposits and stuff for those houses. So you would have to add that debt as well. Yeah. So what we did was for our first Harvey Bay property is we took the equity out of that property to be able to then have the deposit to pay for those two new properties. So the amount that's owing in that is 360. So that brings us Dunbury and the WA Property loan ratio higher. So yeah. I think it Oh, good question. Cost us $6.50. And I think it's yeah. I think it's worth roughly $8.50 now. Yeah. The broker did just do the valuations the other day for us. We do actually look at the documents there. 300,000. Pretty much what we bought bought it. I think it's sitting at $7.50, and we paid $7.50. Mhmm. Yeah. I think it's more now. I think it's probably I've got one. That document $7.50? Yes. Maybe maybe $7.50. So I think it's $7.50 as well. So I think the two in Harley Bay is sitting at the same amount. Oh, good question. So I'm currently I should've had this down, but I'm currently sitting at $1.70. That's just my pay for my last pay slip. So I get I get paid this week, so that's a fortnight behind. And then for the property like, two of the property just thinking how much would the properties be generating? Or partly. So two of them are port negatively geared and two are positively geared. So I do actually have a spreadsheet that shows this information. Is it easier if I reply to your email with this information? Because I don't actually know it off the top of my head. I can give you the figures. Like, I know how much the rent is to give that figure. But, yeah, do you want that information or no? Yep. So two of the oh, so I think it sits around a 120. I think the four properties, the rent, without any of the expenses deducted, sits around $1.20. Not off the top of my head. It's just because we got four, so I can't remember them. Two Yeah. Yeah. Two of them, hopefully, this year hopefully, this year will be our best year. A big thing was trying to reduce our tax with buying the investment properties originally as well. And we did two new builds because you can claim all the fittings and fixtures and blah blah blah blah. Yeah. So last year, we didn't really get we got a couple of months into the year for Sunbury, and then this will be our first full year to claim that and same with Western Australia. So we really wanna get a good tax accountant to to benefit as much as we can from from that this year and being the first year that we really should be able to get a decent claim instead of giving it all to government. So the other two aren't new, so there's not as much to claim. We've got tax depreciation done for all property. But, yeah, this year will be the the probably the year that we got an idea on how much we can claim. Yep. Sounds good. Yep. Yep. Yeah. So I'm to manager now, but, yeah, still construction and, yep, HSE manager. Yep. Oh, I don't know how we would have come to that figure, but we just wanted to this is gonna sound silly, but we just want as much as possible to say that yeah. What what so what we do with work is because it's construction, so we will we'll do a project. The project will then finish, and then we generally will take a few months off of work. But, like, last year, we had close to three months off maybe. It was, like, three to four months in total. And so we didn't, like, go travel in our caravan for that time. So the reason why we, you know, don't really wanna buy another property is because we do want to reduce our debt because we don't have a constant income. So when we do take those extended periods off work, we're not getting paid. So we just need to make sure we're being smart about it so that we don't have big bills and we can afford to still travel and not have an income. Yep. Sounds good. Yep. Yeah. Yep. Okay. You're right. I don't think so. No. Because I don't really obviously, because you can't access your super for so long, and we are obviously planning on retiring before you can access it. We're sort of just wanting to have the Zebra as, like, a backup. So as long as it's growing and it's growing well, I'm I'm very happy with that. I do, Bailey. Yeah. Yeah. I think he just said that they'll just monitor it from memory. Yes. Yes. Sounds good. I'm honestly just happy to go with whatever you guys think is best for the super. Yeah. Whatever you'd recommend. Yep. Yep. That sounds good. No. I think I'm happy with how it is at the moment. Yeah. For the time being, I think so. Because our work is yeah. Our work is I can't see it not happening anytime soon. So, yeah, at the moment, all good. Yep. Yep. Yep. That's good. Yep. That's correct. Yeah. No changes at all. Yep. Yeah. I'm not really phased. I would just hold and wait. Trust the process. Yep. Sounds good. Yeah. That's correct. I do check it every now and then. But yeah. No. I'm not satisfied. If it's going down, it's going down. It is what it is. No. No. No. I'm still yeah. Happy to yeah. Yep. Yep. No. I probably would like it more regularly. Yeah. Yeah. Probably six monthly. Yep. Yep. Yep. Yeah. Good. Thank you. Yep. Yeah. That's alright. I can look into look into that. I think it's something that I'm definitely gonna do this to. Yeah. Okay. Yep. Well, we do so the reason why we have a self managed super fund is because when we went through these advisers, they were saying to us, oh, buy an investment property and use super. It's great. Blah blah blah. And, anyway, so we got we got sucked into it, so we did. And it's been a complete disaster. The property so it was a unit in Melbourne, and it was meant to be fully finished December last year. However, it's something to do with the trains, the new railway train. Underground rail line. Yeah. So, apparently, all the permits are approved to build. All the correct steps are taken before they started the build. They've done the slab, but then, I don't know, obviously, there's some concerns, some something in relation to the underground rail, and I don't know, whether it's proximity, how close it is, or whatever it is, we get said limited information. Long story short. It's in court is the problem. So the property hasn't been built. It's still a hole in the ground, and they're currently in the court. So we have no idea when it will be built. And the problem is we put 70,000 of our super into that as a deposit. Yeah. And we only found out the other day that it's now sitting in the So it's just sitting in a trust fund, but it doesn't own any interest, doesn't do anything in the sunset clauses until '29. 2029. Sorry. Disaster. So I don't know, yeah, if any if if we can speak to anyone, if you've got any good solicitors that you guys use. Or We don't know what to do is the problem. We don't know whether and, like, the problem is because the sun pet caused. I guess we sort of just have to write it out and see what happens. I don't know. Yep. So that's, yeah, my super. So it's a portion of my super. I think my super's now sitting at It's still a fair bit. It's more than me. Like, the $1.60 or something? Yeah. Around $1.60 or $1.70. So it's not it's not that that was always super, and we're now like, oh my god. What have we done? Yeah. But it's 70 thousand. Oh, it's like it's still a lot of money. Yeah. It is. Yeah. So it's not good, but we're not losing sleep over it yet. Yes. Yeah. It is. Yeah. We did. Well, probably the the well, my thought was the property built because it it was a good property. Yeah. The the company that we went through that advised us to go down this track sent an email the other day, like, request we're always requesting updates, and it's unfortunately the same shit. No updates. But they just continue to tell us that, oh, but the property value is in the area of increase. So, you know, your your deposit is actually an investment. And once the property gets built, you know, the the value of the unit is gonna be worth more. But there's a there's a massive chance, in my opinion, that the builder's gonna turn around and say, fucking building supply prices have gone up, and now we need to charge you more to build it. Apparently, they can't, though. But the problem is too is that when we got this advice, they that like, this company was pushing properties. And so I don't know. Like, we didn't sit down with someone and say, oh, is it a good idea to get property in your super, or are you actually going to make more by just, like, investing in shares with you just normal super? So, yeah, that was a rookie error on our behalf because we just went through them for advice. They made it sound like fantastic, so I don't know. Yep. Yep. Yep. Sounds really good. Thank you. Yep. Yep. Sounds really good. Thank you. Awesome. Thank you. Really appreciate it. You too. See you later. I see it. 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Laura speaking. Good. How are you? It is.\n\nYes. Thank you. Yep. That's fine. Yeah.\n\nSo it's Laura Jane at Britain, thirty first of first nineteen 90, And 6 Blue Water Road, Veral, Queensland. Not too bad, actually. How's yours? Yeah. Exactly.\n\nYep. Yeah. So we did write down a couple of questions. So what so currently, we go through a company that we so just a bit of background. We've got four investment properties.\n\nAnd two of those, we went through an adviser to set up, and they then recommended, like, a tax agent to do our tax returns through. But we're not happy with them. So we were wanting to know, does Oakley do tax returns or no? Yep. Yep.\n\nYeah. That would be perfect, please. Yeah. Because with that as well, we've also got a self managed super fund, and it's the same company who's doing the tax returns for that. So, obviously, we wanna get both done through someone else, so just so we're happy with what they're offering us.\n\nSo that would be perfect. Awesome. Thank you. So another question that we have is at the moment with our properties, we've got it set up. So we've got one that's fully offset.\n\nAnd I think now we only owe about maybe $40 on it. And then we've got the two of them. Like, so what we're trying to do at the moment is reduce debt because, obviously, we don't feel comfortable buying we're not we don't feel comfortable. I don't know the best way to describe it. But we've decided not to buy anymore at the moment, and we're trying to reduce debt.\n\nAnd so we've got one that's, yeah, completely fully offset, and we're trying to with our pay, what we're doing each week is yes. With a 44 owing on it, is quickly I pay that one off so that it'll be sitting at zero. We've got another one that we only have, I think, 75,000 left on, and so, obviously, trying to pay those two down as well. We've got the other two set up that they're interest only. And so I think that's locked into five years, and then we'll start obviously, once we got these two paid off, we're, like, technically, sitting at zero, we would then start putting money into the offset of one of those other properties.\n\nI suppose the question is, does that sound like that's a good idea? Yeah. So one of them is so the one that's only got 44 left on it is. The one that's got about 75 left on it is just interest at the moment, interest only. Sorry.\n\nI've got my husband sitting beside me. He's about to butt in. How are you going? What were you gonna say, Chris? Yeah.\n\nSo the other one's interest only, but the reason it's almost paid off is because it's almost a 100% offset. Yeah. Sorry. So for the one that's gonna got 44 oving, we're paying that onto the loan so that we get the loan fully down. So the one that's got 75 left $75 left until it's fully offset, that's getting paid into the offset account.\n\nSo, yeah, the idea behind that the reason our broker told us to do that is so that we've got that cash sitting there in case we need it. Yes. I think so. Yeah. This is a good question.\n\nI'm not sure if So the one of the main file one's variable because it's principal and interest. The other ones are just interest only. Yeah. The Yeah. Yes.\n\nOkay. Perfect. Okay. Perfect. I was just thinking too, just before you rang, I was just thinking the the one that we've only got 44 left owing on it, we've got 44 plus, but it's fully offset at the moment.\n\nBut as I said, we're paying that into the actual mortgage now each fortnight when our pay comes through. But because that's principal and interest, is there any benefit of having that 44 sitting in that loan? Is that reducing the interest payments? It still isn't it? Yeah.\n\nYeah. Okay. Yep. Yeah. Yeah.\n\nNo. That's okay. Because I was just thinking in my head, I was like, oh, what's the point of having that money sitting in the offset? We might as well put it in the other property offset. But if it's still offsetting the interest, then we'll leave it as it is, how that's going.\n\nBut that sounds yes. So that sounds like that's fine. So another question sorry. We had five questions. So the next question sorry.\n\nWe have both earned, like, quite a fair bit of money this year because we've been long story short, we're on a project where we're working very long hours. And so we're wanting to know, do you think it's advisable to put money into our super to reduce our income? I think it's the easiest way to describe it. You know how you can do the yeah. Yeah.\n\nYeah. Yep. Yep. Yep. Yeah.\n\nIf you could, that would be really good, please. So with doing that sorry. I was just gonna say, with doing that, is there any, like, downsides to doing that? I suppose there goes that money and you can't touch it until you can access this Subaru. Is that the only downside?\n\nUntil you can access this Subaru. Is that the only downside? Yep. Yeah. That does.\n\nYep. Okay. Cool. Yes. Yep.\n\nYeah. Probably that. Because like our look at our our final question we're we're going to ask is we wanna start so, obviously, we've got the four investment properties, but we want to What is the, yeah, what is the best way? Like, whether we need to sit down and have a actual meeting on structuring everything the best way possible, like, to take advantage of our investment properties, whether we buy shares. Is it better money sitting in offset accounts?\n\nAre we better taking the money out of the offset and buying shares and then having tax deductions from having the loan on the investment properties? Like, really, we don't know. So Yeah. So because what I was gonna say, look, I like the idea of diversifying. And so what what is best for us to do?\n\nYes. That's correct. Yeah. A lesson convinced me. Yep.\n\nIt does. Yeah. Yeah. That's a really good point. Because our problem also is the fact that so we've got four investment properties, but the work that we do at the moment so we haven't actually lived, I suppose, in a house for the last nearly six years now.\n\nSo we actually live in a Caribbean and travel Australia for work. So, like, we've so, you know, like, we've got four houses, but we don't actually have somewhere that we live. And so our goal is to retire as early as possible. We have the age 50 in mind, but we would and also so, like, we're trying to obviously earn as much money as possible and put investments in place to be able to retire early, but we would also have to consider that at some stage, we do need to buy a house to actually live in as well. So I suppose our idea to start with so because we when we're at work, we our accommodation gets paid for.\n\nSometimes our food gets paid for. So our bills when we're at work are very minimal. So, like, for example, we've been at our current job site for the last eight months, and we have had no bills. So we when we're at work, we're able to save a lot of money. And so pretty much, we just had money that we weren't doing anything with, and we were like, okay.\n\nWe wanna invest. What are we gonna do? Property. And so then that's why we just started buying properties because we could afford to. And so we didn't then have sort of, like, a long term, okay.\n\nThis is what our plan is. Because at the same time, we don't know like, you know, like a like a typical person. You know? They live in a town. They do their job.\n\nThey have their home. They're paying off the mortgage. Our life isn't normal, I suppose, is a good way to describe it. So we don't know because we don't know, like, say, if something was like, you know, where do you see yourself in five years? We don't know at this stage.\n\nYeah. It's really hard to say, So I don't know how to answer that question. Mhmm. Yeah. Yeah.\n\nIt's hard to know. Chris, do you have need we don't know. Yeah. No. We don't know where we we don't know where we wanna live.\n\nI would say it's highly unlikely that we would live in one of these properties. So we'd potentially, yeah, probably sell one or two to then purchase the house we do wanna live in and then maybe keep two and own them outright as an income, maybe. But, yeah, the the real goal is to retire, like, as as soon as possible. The job that we do is, yeah, extremely difficult. We do massive hours, like, seventy plus hours a week, and we've been doing it for years now, and we're absolutely burned out.\n\nAnd, yeah, trying to do everything we can at the moment to set ourself up the best we possibly can to to get the money working for us as as much as we can so that we can work with. What? It's flat remote. Yeah. 40 five.\n\nThat's just so ridiculous. Exactly. At least be in a position where you've got the option to to retire or even part time. Like, it doesn't mean that you never work again if you've got enough money to retire and then still wanna do a part time job or even volunteer work or whatever. Yeah.\n\nYeah. Yeah. Advice on that. And then, obviously, yeah, the main thing I was thinking, because I know last time I had this meeting last year, the person that I spoke to said about looking to investing in shares. And so that's what we were thinking now for this time because I just we got the properties and then look at what other ways we can do it.\n\nBut, yeah, like you said, if it is better just to put that money into the offset instead of into shares, that's probably something that we need to work out first before just going and buying shares. Yeah. Yes. Yes. Yep.\n\nYes. Yep. Yep. That sounds good. Because the other problem is too at the moment when you but how for our situation to try and work out how much we would need to retire on, it's very difficult because we of it.\n\nLike I said, when we're at work, we don't have any expenses really. So we can't really sit down and go, okay. This is what our current expenses are. Then you put, you know, work in the inflation cost because ours is not correct. Yeah.\n\nSo to be able to try work that out, no idea how to calculate that. Yep. So, yeah, we would not retire until we had our where we were living paid off. Yeah. Yep.\n\nSo that would be our plan there. How much did you say the average person needs to live off? Yeah. Okay. Yeah.\n\nAt least we sort of got that idea then. Because we would be looking, like, we I'd say too, like, we're we are tired asses, but we would want to have the opportunity not to be. So we would probably be looking more towards that 1,000 a week so that we'd have money sitting there. So if we did wanna go splurge on something, we can. Or if, you know, we wanna do an overseas holiday every year, we can.\n\nIt's gonna be more than that. Yeah. So So what are the next next steps then? Yep. Yep.\n\nYep. Perfect. Yeah. Definitely open to doing. I just think we are so out of touch with what stuff cost.\n\nBut, like, we've been doing this for six years now, so we haven't, like, we haven't had an electricity bill in six years. We haven't had electricity bill in six years. We haven't had a water bill in six years. Like, we haven't had to like, and we don't like, at the moment, we're living in a, like, a mine site camp style. So we haven't had to buy food for the last year.\n\nWe just got no idea how much stuff actually cost. We've only just gone on to a roster with work, but we're actually off this week and just going to the shops and going food shopping. We're just blown away with how much that cost. So yeah. We're just yeah.\n\nYeah. I would have to like still do the Google research to see what the average cost of stuff is. Yep. That sounds good. Yeah.\n\nYeah. That sounds good. Yeah. No. Yeah.\n\nChris Chris is good. Thanks. Yeah. Yep. So that would be the one number one that says Harvey Bay.\n\nYeah. 44 and a half. Yep. Then so we've actually got four now. So we must have purchased another one since then.\n\nSo did you want the amount for all of them or what? Yeah. Okay. So that would be this this property is just outside of Harvey Bay. So it's still a suburb of Harvey Bay.\n\nBut so it is got $4.50 owing, but it's got 375 in the offset. Yep. And then we've got one in Sunbury, which is in Victoria. It would be. Yeah.\n\nYep. And that one's $5.32. And then the new one is Western Australia, and it's got $5.60. And so neither of those have anything in the offset. It just yeah.\n\nJust adding to that. The the way that the this is all structured, there's a master facility is what they call it. So that's actually debt that's related with deposits and stuff for those houses. So you would have to add that debt as well. Yeah.\n\nSo what we did was for our first Harvey Bay property is we took the equity out of that property to be able to then have the deposit to pay for those two new properties. So the amount that's owing in that is 360. So that brings us Dunbury and the WA Property loan ratio higher. So yeah. I think it Oh, good question.\n\nCost us $6.50. And I think it's yeah. I think it's worth roughly $8.50 now. Yeah. The broker did just do the valuations the other day for us.\n\nWe do actually look at the documents there. 300,000. Pretty much what we bought bought it. I think it's sitting at $7.50, and we paid $7.50. Mhmm.\n\nYeah. I think it's more now. I think it's probably I've got one. That document $7.50? Yes.\n\nMaybe maybe $7.50. So I think it's $7.50 as well. So I think the two in Harley Bay is sitting at the same amount. Oh, good question. So I'm currently I should've had this down, but I'm currently sitting at $1.70.\n\nThat's just my pay for my last pay slip. So I get I get paid this week, so that's a fortnight behind. And then for the property like, two of the property just thinking how much would the properties be generating? Or partly. So two of them are port negatively geared and two are positively geared.\n\nSo I do actually have a spreadsheet that shows this information. Is it easier if I reply to your email with this information? Because I don't actually know it off the top of my head. I can give you the figures. Like, I know how much the rent is to give that figure.\n\nBut, yeah, do you want that information or no? Yep. So two of the oh, so I think it sits around a 120. I think the four properties, the rent, without any of the expenses deducted, sits around $1.20. Not off the top of my head.\n\nIt's just because we got four, so I can't remember them. Two Yeah. Yeah. Two of them, hopefully, this year hopefully, this year will be our best year. A big thing was trying to reduce our tax with buying the investment properties originally as well.\n\nAnd we did two new builds because you can claim all the fittings and fixtures and blah blah blah blah. Yeah. So last year, we didn't really get we got a couple of months into the year for Sunbury, and then this will be our first full year to claim that and same with Western Australia. So we really wanna get a good tax accountant to to benefit as much as we can from from that this year and being the first year that we really should be able to get a decent claim instead of giving it all to government. So the other two aren't new, so there's not as much to claim.\n\nWe've got tax depreciation done for all property. But, yeah, this year will be the the probably the year that we got an idea on how much we can claim. Yep. Sounds good. Yep.\n\nYep. Yeah. So I'm to manager now, but, yeah, still construction and, yep, HSE manager. Yep. Oh, I don't know how we would have come to that figure, but we just wanted to this is gonna sound silly, but we just want as much as possible to say that yeah.\n\nWhat what so what we do with work is because it's construction, so we will we'll do a project. The project will then finish, and then we generally will take a few months off of work. But, like, last year, we had close to three months off maybe. It was, like, three to four months in total. And so we didn't, like, go travel in our caravan for that time.\n\nSo the reason why we, you know, don't really wanna buy another property is because we do want to reduce our debt because we don't have a constant income. So when we do take those extended periods off work, we're not getting paid. So we just need to make sure we're being smart about it so that we don't have big bills and we can afford to still travel and not have an income. Yep. Sounds good.\n\nYep. Yeah. Yep. Okay. You're right.\n\nI don't think so. No. Because I don't really obviously, because you can't access your super for so long, and we are obviously planning on retiring before you can access it. We're sort of just wanting to have the Zebra as, like, a backup. So as long as it's growing and it's growing well, I'm I'm very happy with that.\n\nI do, Bailey. Yeah. Yeah. I think he just said that they'll just monitor it from memory. Yes.\n\nYes. Sounds good. I'm honestly just happy to go with whatever you guys think is best for the super. Yeah. Whatever you'd recommend.\n\nYep. Yep. That sounds good. No. I think I'm happy with how it is at the moment.\n\nYeah. For the time being, I think so. Because our work is yeah. Our work is I can't see it not happening anytime soon. So, yeah, at the moment, all good.\n\nYep. Yep. Yep. That's good. Yep.\n\nThat's correct. Yeah. No changes at all. Yep. Yeah.\n\nI'm not really phased. I would just hold and wait. Trust the process. Yep. Sounds good.\n\nYeah. That's correct. I do check it every now and then. But yeah. No.\n\nI'm not satisfied. If it's going down, it's going down. It is what it is. No. No.\n\nNo. I'm still yeah. Happy to yeah. Yep. Yep.\n\nNo. I probably would like it more regularly. Yeah. Yeah. Probably six monthly.\n\nYep. Yep. Yep. Yeah. Good.\n\nThank you. Yep. Yeah. That's alright. I can look into look into that.\n\nI think it's something that I'm definitely gonna do this to. Yeah. Okay. Yep. Well, we do so the reason why we have a self managed super fund is because when we went through these advisers, they were saying to us, oh, buy an investment property and use super.\n\nIt's great. Blah blah blah. And, anyway, so we got we got sucked into it, so we did. And it's been a complete disaster. The property so it was a unit in Melbourne, and it was meant to be fully finished December last year.\n\nHowever, it's something to do with the trains, the new railway train. Underground rail line. Yeah. So, apparently, all the permits are approved to build. All the correct steps are taken before they started the build.\n\nThey've done the slab, but then, I don't know, obviously, there's some concerns, some something in relation to the underground rail, and I don't know, whether it's proximity, how close it is, or whatever it is, we get said limited information. Long story short. It's in court is the problem. So the property hasn't been built. It's still a hole in the ground, and they're currently in the court.\n\nSo we have no idea when it will be built. And the problem is we put 70,000 of our super into that as a deposit. Yeah. And we only found out the other day that it's now sitting in the So it's just sitting in a trust fund, but it doesn't own any interest, doesn't do anything in the sunset clauses until '29. 2029.\n\nSorry. Disaster. So I don't know, yeah, if any if if we can speak to anyone, if you've got any good solicitors that you guys use. Or We don't know what to do is the problem. We don't know whether and, like, the problem is because the sun pet caused.\n\nI guess we sort of just have to write it out and see what happens. I don't know. Yep. So that's, yeah, my super. So it's a portion of my super.\n\nI think my super's now sitting at It's still a fair bit. It's more than me. Like, the $1.60 or something? Yeah. Around $1.60 or $1.70.\n\nSo it's not it's not that that was always super, and we're now like, oh my god. What have we done? Yeah. But it's 70 thousand. Oh, it's like it's still a lot of money.\n\nYeah. It is. Yeah. So it's not good, but we're not losing sleep over it yet. Yes.\n\nYeah. It is. Yeah. We did. Well, probably the the well, my thought was the property built because it it was a good property.\n\nYeah. The the company that we went through that advised us to go down this track sent an email the other day, like, request we're always requesting updates, and it's unfortunately the same shit. No updates. But they just continue to tell us that, oh, but the property value is in the area of increase. So, you know, your your deposit is actually an investment.\n\nAnd once the property gets built, you know, the the value of the unit is gonna be worth more. But there's a there's a massive chance, in my opinion, that the builder's gonna turn around and say, fucking building supply prices have gone up, and now we need to charge you more to build it. Apparently, they can't, though. But the problem is too is that when we got this advice, they that like, this company was pushing properties. And so I don't know.\n\nLike, we didn't sit down with someone and say, oh, is it a good idea to get property in your super, or are you actually going to make more by just, like, investing in shares with you just normal super? So, yeah, that was a rookie error on our behalf because we just went through them for advice. They made it sound like fantastic, so I don't know. Yep. Yep.\n\nYep. Sounds really good. Thank you. Yep. Yep.\n\nSounds really good. Thank you. Awesome. Thank you. Really appreciate it.\n\nYou too. See you later. I see it. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.015658635646104813},{"text":"Laura speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.018407740630209446},{"text":"Good.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.42867472767829895},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.2976504663626353},{"text":"It is.","start":13.5199995,"end":13.92,"sentiment":"neutral","sentiment_score":0.19683998078107834}],"sentiment":"neutral","sentiment_score":0.19642002280387613,"num_words":9,"start":1.1999999,"end":13.92},{"sentences":[{"text":"Yes.","start":13.92,"end":14.08,"sentiment":"neutral","sentiment_score":0.2849884331226349},{"text":"Thank you.","start":14.08,"end":14.625,"sentiment":"positive","sentiment_score":0.5325044691562653},{"text":"Yep.","start":22.865,"end":23.185,"sentiment":"neutral","sentiment_score":0.14563985168933868},{"text":"That's fine.","start":23.185,"end":23.925,"sentiment":"neutral","sentiment_score":0.29909153282642365},{"text":"Yeah.","start":31.33,"end":31.57,"sentiment":"neutral","sentiment_score":0.0691266804933548}],"sentiment":"neutral","sentiment_score":0.30899242418152945,"num_words":7,"start":13.92,"end":31.57},{"sentences":[{"text":"So it's Laura Jane at Britain, thirty first of first nineteen 90, And 6 Blue Water Road, Veral, Queensland.","start":31.57,"end":37.83,"sentiment":"neutral","sentiment_score":0.05248010187949005},{"text":"Not too bad, actually.","start":41.57,"end":42.61,"sentiment":"neutral","sentiment_score":0.1381673663854599},{"text":"How's yours?","start":42.61,"end":43.305,"sentiment":"neutral","sentiment_score":0.13382414728403091},{"text":"Yeah.","start":46.425,"end":46.585,"sentiment":"neutral","sentiment_score":0.14308448135852814},{"text":"Exactly.","start":46.585,"end":47.085,"sentiment":"neutral","sentiment_score":0.1907006949186325}],"sentiment":"neutral","sentiment_score":0.07967499526286567,"num_words":27,"start":31.57,"end":47.085},{"sentences":[{"text":"Yep.","start":57.225,"end":57.69,"sentiment":"neutral","sentiment_score":0.050507716834545135},{"text":"Yeah.","start":60.649998,"end":60.809998,"sentiment":"neutral","sentiment_score":0.03683393448591232},{"text":"So we did write down a couple of questions.","start":60.809998,"end":62.67,"sentiment":"neutral","sentiment_score":0.03765703447990947},{"text":"So what so currently, we go through a company that we so just a bit of background.","start":65.45,"end":72.03,"sentiment":"neutral","sentiment_score":-0.005179658258224235},{"text":"We've got four investment properties.","start":72.135,"end":74.555,"sentiment":"neutral","sentiment_score":0.002299918606877327}],"sentiment":"neutral","sentiment_score":0.010596980735885374,"num_words":33,"start":57.225,"end":74.555},{"sentences":[{"text":"And two of those, we went through an adviser to set up, and they then recommended, like, a tax agent to do our tax returns through.","start":75.815,"end":84.795,"sentiment":"neutral","sentiment_score":-0.01654914042984064},{"text":"But we're not happy with them.","start":85.015,"end":87.51,"sentiment":"neutral","sentiment_score":-0.17824657758076987},{"text":"So we were wanting to know, does Oakley do tax returns or no?","start":87.590004,"end":92.33,"sentiment":"neutral","sentiment_score":-0.05253091511818079},{"text":"Yep.","start":96.39,"end":96.89,"sentiment":"neutral","sentiment_score":0.004019985906779766},{"text":"Yep.","start":107.045,"end":107.545,"sentiment":"neutral","sentiment_score":0.03247997164726257}],"sentiment":"neutral","sentiment_score":-0.045662958630697525,"num_words":47,"start":75.815,"end":107.545},{"sentences":[{"text":"Yeah.","start":122.42,"end":122.82,"sentiment":"neutral","sentiment_score":0.29692620038986206},{"text":"That would be perfect, please.","start":122.82,"end":124.2,"sentiment":"positive","sentiment_score":0.5359611928462982},{"text":"Yeah.","start":125.845,"end":126.165,"sentiment":"neutral","sentiment_score":0.21854040026664737},{"text":"Because with that as well, we've also got a self managed super fund, and it's the same company who's doing the tax returns for that.","start":126.165,"end":132.405,"sentiment":"neutral","sentiment_score":0.1975759333372116},{"text":"So, obviously, we wanna get both done through someone else, so just so we're happy with what they're offering us.","start":132.405,"end":138.0,"sentiment":"positive","sentiment_score":0.3526924535632133}],"sentiment":"neutral","sentiment_score":0.29208692249197227,"num_words":52,"start":122.42,"end":138.0},{"sentences":[{"text":"So that would be perfect.","start":138.48,"end":139.62,"sentiment":"positive","sentiment_score":0.4746088445186615},{"text":"Awesome.","start":143.68,"end":144.18,"sentiment":"positive","sentiment_score":0.7181992530822754},{"text":"Thank you.","start":144.24,"end":145.06,"sentiment":"positive","sentiment_score":0.6607121229171753},{"text":"So another question that we have is at the moment with our properties, we've got it set up.","start":145.12,"end":151.815,"sentiment":"neutral","sentiment_score":0.014918421343382861},{"text":"So we've got one that's fully offset.","start":151.975,"end":154.55501,"sentiment":"neutral","sentiment_score":0.0474904150302921}],"sentiment":"neutral","sentiment_score":0.15192824881523848,"num_words":33,"start":138.48,"end":154.55501},{"sentences":[{"text":"And I think now we only owe about maybe $40 on it.","start":155.735,"end":161.355,"sentiment":"neutral","sentiment_score":-0.011292969497541586},{"text":"And then we've got the two of them.","start":163.015,"end":164.82,"sentiment":"neutral","sentiment_score":-0.008940610918216407},{"text":"Like, so what we're trying to do at the moment is reduce debt because, obviously, we don't feel comfortable buying we're not we don't feel comfortable.","start":164.82,"end":173.64,"sentiment":"neutral","sentiment_score":-0.12817692262335464},{"text":"I don't know the best way to describe it.","start":174.02,"end":175.86,"sentiment":"neutral","sentiment_score":-0.12537888354725307},{"text":"But we've decided not to buy anymore at the moment, and we're trying to reduce debt.","start":175.86,"end":180.075,"sentiment":"neutral","sentiment_score":-0.13864119967911392}],"sentiment":"neutral","sentiment_score":-0.09699027684950073,"num_words":71,"start":155.735,"end":180.075},{"sentences":[{"text":"And so we've got one that's, yeah, completely fully offset, and we're trying to with our pay, what we're doing each week is yes.","start":181.355,"end":188.795,"sentiment":"neutral","sentiment_score":0.09018569951876998},{"text":"With a 44 owing on it, is quickly I pay that one off so that it'll be sitting at zero.","start":188.795,"end":196.48999,"sentiment":"neutral","sentiment_score":0.07659533396363258},{"text":"We've got another one that we only have, I think, 75,000 left on, and so, obviously, trying to pay those two down as well.","start":197.51,"end":206.385,"sentiment":"neutral","sentiment_score":0.035847722785547376},{"text":"We've got the other two set up that they're interest only.","start":206.465,"end":210.00499,"sentiment":"neutral","sentiment_score":-0.014181844212792137},{"text":"And so I think that's locked into five years, and then we'll start obviously, once we got these two paid off, we're, like, technically, sitting at zero, we would then start putting money into the offset of one of those other properties.","start":211.58499,"end":223.01001,"sentiment":"neutral","sentiment_score":0.04470286837645939}],"sentiment":"neutral","sentiment_score":0.05188619008303181,"num_words":121,"start":181.355,"end":223.01001},{"sentences":[{"text":"I suppose the question is, does that sound like that's a good idea?","start":224.99,"end":230.77,"sentiment":"neutral","sentiment_score":0.2264796535556133},{"text":"Yeah.","start":239.24501,"end":239.485,"sentiment":"neutral","sentiment_score":0.01924024149775505},{"text":"So one of them is so the one that's only got 44 left on it is.","start":239.485,"end":242.945,"sentiment":"neutral","sentiment_score":0.01355170548777096},{"text":"The one that's got about 75 left on it is just interest at the moment, interest only.","start":243.24501,"end":247.95,"sentiment":"neutral","sentiment_score":-0.02177774254232645},{"text":"Sorry.","start":249.69,"end":249.93,"sentiment":"neutral","sentiment_score":0.0009345375001430511}],"sentiment":"neutral","sentiment_score":0.05856283207928451,"num_words":48,"start":224.99,"end":249.93},{"sentences":[{"text":"I've got my husband sitting beside me.","start":249.93,"end":251.45,"sentiment":"neutral","sentiment_score":0.009744916377323014},{"text":"He's about to butt in.","start":251.45,"end":252.41,"sentiment":"neutral","sentiment_score":0.014902190305292606},{"text":"How are you going?","start":252.41,"end":253.23,"sentiment":"neutral","sentiment_score":0.17209907993674278},{"text":"What were you gonna say, Chris?","start":256.97,"end":258.01,"sentiment":"neutral","sentiment_score":0.054406557232141495},{"text":"Yeah.","start":258.01,"end":258.17,"sentiment":"neutral","sentiment_score":0.06821060180664062}],"sentiment":"neutral","sentiment_score":0.053294418744095,"num_words":23,"start":249.93,"end":258.17},{"sentences":[{"text":"So the other one's interest only, but the reason it's almost paid off is because it's almost a 100% offset.","start":258.17,"end":262.91498,"sentiment":"neutral","sentiment_score":0.06963204592466354},{"text":"Yeah.","start":263.375,"end":263.775,"sentiment":"neutral","sentiment_score":0.08509643375873566},{"text":"Sorry.","start":263.775,"end":264.275,"sentiment":"neutral","sentiment_score":0.0010699592530727386},{"text":"So for the one that's gonna got 44 oving, we're paying that onto the loan so that we get the loan fully down.","start":274.93,"end":281.73,"sentiment":"neutral","sentiment_score":0.06402332343808982},{"text":"So the one that's got 75 left $75 left until it's fully offset, that's getting paid into the offset account.","start":281.73,"end":290.355,"sentiment":"neutral","sentiment_score":0.08301621563732624}],"sentiment":"neutral","sentiment_score":0.07094873943581032,"num_words":65,"start":258.17,"end":290.355},{"sentences":[{"text":"So, yeah, the idea behind that the reason our broker told us to do that is so that we've got that cash sitting there in case we need it.","start":291.615,"end":299.39502,"sentiment":"neutral","sentiment_score":0.0971448537090729},{"text":"Yes.","start":330.31003,"end":330.63,"sentiment":"neutral","sentiment_score":0.10684847831726074},{"text":"I think so.","start":330.63,"end":331.45,"sentiment":"neutral","sentiment_score":0.11302983264128368},{"text":"Yeah.","start":331.51,"end":332.01,"sentiment":"neutral","sentiment_score":0.08766385912895203},{"text":"This is a good question.","start":338.71002,"end":340.80502,"sentiment":"neutral","sentiment_score":0.11304091587662697}],"sentiment":"neutral","sentiment_score":0.10041044031580289,"num_words":39,"start":291.615,"end":340.80502},{"sentences":[{"text":"I'm not sure if So the one of the main file one's variable because it's principal and interest.","start":342.86502,"end":348.385,"sentiment":"neutral","sentiment_score":-0.006774561583167977},{"text":"The other ones are just interest only.","start":348.385,"end":350.08502,"sentiment":"neutral","sentiment_score":-0.003656102078301566},{"text":"Yeah.","start":360.0,"end":360.24,"sentiment":"neutral","sentiment_score":0.024205531924962997},{"text":"The Yeah.","start":360.24,"end":361.12,"sentiment":"neutral","sentiment_score":0.042634994722902775},{"text":"Yes.","start":361.12,"end":361.62,"sentiment":"neutral","sentiment_score":0.15285274386405945}],"sentiment":"neutral","sentiment_score":0.003958394558265291,"num_words":29,"start":342.86502,"end":361.62},{"sentences":[{"text":"Okay.","start":411.34,"end":411.58,"sentiment":"positive","sentiment_score":0.3896244764328003},{"text":"Perfect.","start":411.58,"end":412.08,"sentiment":"positive","sentiment_score":0.5878303050994873},{"text":"Okay.","start":422.335,"end":422.575,"sentiment":"neutral","sentiment_score":0.20987705886363983},{"text":"Perfect.","start":422.575,"end":423.055,"sentiment":"positive","sentiment_score":0.3706073760986328},{"text":"I was just thinking too, just before you rang, I was just thinking the the one that we've only got 44 left owing on it, we've got 44 plus, but it's fully offset at the moment.","start":423.055,"end":432.46,"sentiment":"neutral","sentiment_score":0.008374802011530846}],"sentiment":"neutral","sentiment_score":0.04648580222274177,"num_words":40,"start":411.34,"end":432.46},{"sentences":[{"text":"But as I said, we're paying that into the actual mortgage now each fortnight when our pay comes through.","start":433.56,"end":438.44,"sentiment":"neutral","sentiment_score":0.024308736190984125},{"text":"But because that's principal and interest, is there any benefit of having that 44 sitting in that loan?","start":438.44,"end":446.315,"sentiment":"neutral","sentiment_score":0.081687081605196},{"text":"Is that reducing the interest payments?","start":446.315,"end":447.835,"sentiment":"neutral","sentiment_score":-0.16137084737420082},{"text":"It still isn't it?","start":447.835,"end":449.055,"sentiment":"neutral","sentiment_score":-0.16911086067557335},{"text":"Yeah.","start":449.35498,"end":449.85498,"sentiment":"neutral","sentiment_score":0.03296975791454315}],"sentiment":"neutral","sentiment_score":0.006677805989359816,"num_words":48,"start":433.56,"end":449.85498},{"sentences":[{"text":"Yeah.","start":468.985,"end":469.225,"sentiment":"neutral","sentiment_score":0.0987531915307045},{"text":"Okay.","start":469.225,"end":469.625,"sentiment":"neutral","sentiment_score":0.15426477789878845},{"text":"Yep.","start":469.625,"end":470.125,"sentiment":"neutral","sentiment_score":0.17608371376991272},{"text":"Yeah.","start":491.64,"end":492.015,"sentiment":"neutral","sentiment_score":0.08610028028488159},{"text":"Yeah.","start":493.45502,"end":493.77502,"sentiment":"neutral","sentiment_score":0.032894864678382874}],"sentiment":"neutral","sentiment_score":0.10961936563253402,"num_words":5,"start":468.985,"end":493.77502},{"sentences":[{"text":"No.","start":493.77502,"end":494.015,"sentiment":"neutral","sentiment_score":-0.06226373463869095},{"text":"That's okay.","start":494.015,"end":494.415,"sentiment":"neutral","sentiment_score":-0.019190683960914612},{"text":"Because I was just thinking in my head, I was like, oh, what's the point of having that money sitting in the offset?","start":494.415,"end":497.61502,"sentiment":"neutral","sentiment_score":-0.07184218696278075},{"text":"We might as well put it in the other property offset.","start":497.61502,"end":499.77502,"sentiment":"neutral","sentiment_score":-0.017241135916926643},{"text":"But if it's still offsetting the interest, then we'll leave it as it is, how that's going.","start":499.77502,"end":504.03,"sentiment":"neutral","sentiment_score":0.07740391845650532}],"sentiment":"neutral","sentiment_score":-0.01160743118574222,"num_words":54,"start":493.77502,"end":504.03},{"sentences":[{"text":"But that sounds yes.","start":504.11,"end":506.11,"sentiment":"neutral","sentiment_score":0.22299444302916527},{"text":"So that sounds like that's fine.","start":506.11,"end":507.31,"sentiment":"positive","sentiment_score":0.33482369035482407},{"text":"So another question sorry.","start":507.31,"end":508.83,"sentiment":"neutral","sentiment_score":-0.014483675826340914},{"text":"We had five questions.","start":508.83,"end":509.79,"sentiment":"neutral","sentiment_score":-0.025764500256627798},{"text":"So the next question sorry.","start":509.79,"end":512.83,"sentiment":"neutral","sentiment_score":-0.005826439708471298}],"sentiment":"neutral","sentiment_score":0.11786065266832062,"num_words":23,"start":504.11,"end":512.83},{"sentences":[{"text":"We have both earned, like, quite a fair bit of money this year because we've been long story short, we're on a project where we're working very long hours.","start":512.83,"end":524.365,"sentiment":"neutral","sentiment_score":-0.030940973167789394},{"text":"And so we're wanting to know, do you think it's advisable to put money into our super to reduce our income?","start":525.545,"end":533.31,"sentiment":"neutral","sentiment_score":-0.14872880111492814},{"text":"I think it's the easiest way to describe it.","start":533.61,"end":535.95,"sentiment":"neutral","sentiment_score":0.03974963165819645},{"text":"You know how you can do the yeah.","start":536.41,"end":540.97003,"sentiment":"neutral","sentiment_score":0.06398656638339162},{"text":"Yeah.","start":540.97003,"end":541.47003,"sentiment":"neutral","sentiment_score":0.12172265350818634}],"sentiment":"neutral","sentiment_score":-0.04454751729088671,"num_words":68,"start":512.83,"end":541.47003},{"sentences":[{"text":"Yeah.","start":573.955,"end":574.455,"sentiment":"neutral","sentiment_score":0.30813732743263245},{"text":"Yep.","start":591.29,"end":591.79,"sentiment":"neutral","sentiment_score":0.12465830147266388},{"text":"Yep.","start":623.32,"end":623.445,"sentiment":"neutral","sentiment_score":0.1088484823703766},{"text":"Yep.","start":647.86005,"end":648.045,"sentiment":"neutral","sentiment_score":0.1878267228603363},{"text":"Yeah.","start":649.725,"end":650.045,"sentiment":"neutral","sentiment_score":0.29807618260383606}],"sentiment":"neutral","sentiment_score":0.20550940334796905,"num_words":5,"start":573.955,"end":650.045},{"sentences":[{"text":"If you could, that would be really good, please.","start":650.045,"end":651.985,"sentiment":"positive","sentiment_score":0.5445828338464102},{"text":"So with doing that sorry.","start":653.885,"end":657.165,"sentiment":"neutral","sentiment_score":-0.007773420959711075},{"text":"I was just gonna say, with doing that, is there any, like, downsides to doing that?","start":657.165,"end":661.08496,"sentiment":"neutral","sentiment_score":-0.12695297482423484},{"text":"I suppose there goes that money and you can't touch it until you can access this Subaru.","start":661.08496,"end":662.255,"sentiment":"neutral","sentiment_score":-0.16193929270786397},{"text":"Is that the only downside?","start":662.255,"end":662.865,"sentiment":"neutral","sentiment_score":-0.13883422315120697}],"sentiment":"neutral","sentiment_score":-0.011846313253045082,"num_words":52,"start":650.045,"end":662.865},{"sentences":[{"text":"Until you can access this Subaru.","start":663.77,"end":665.61,"sentiment":"neutral","sentiment_score":-0.09109896793961525},{"text":"Is that the only downside?","start":665.61,"end":666.83,"sentiment":"neutral","sentiment_score":-0.09768063575029373},{"text":"Yep.","start":717.59,"end":718.09,"sentiment":"neutral","sentiment_score":-0.18670043349266052},{"text":"Yeah.","start":720.95,"end":721.27,"sentiment":"neutral","sentiment_score":0.11750565469264984},{"text":"That does.","start":721.27,"end":721.91,"sentiment":"neutral","sentiment_score":0.16679035872220993}],"sentiment":"neutral","sentiment_score":-0.05137406984965007,"num_words":15,"start":663.77,"end":721.91},{"sentences":[{"text":"Yep.","start":721.91,"end":722.41,"sentiment":"neutral","sentiment_score":0.1344820261001587},{"text":"Okay.","start":722.55,"end":722.87,"sentiment":"neutral","sentiment_score":0.17959702014923096},{"text":"Cool.","start":722.87,"end":723.37,"sentiment":"neutral","sentiment_score":0.29402655363082886},{"text":"Yes.","start":787.34503,"end":787.56,"sentiment":"positive","sentiment_score":0.4250390529632568},{"text":"Yep.","start":820.15,"end":820.65,"sentiment":"neutral","sentiment_score":0.16181103885173798}],"sentiment":"neutral","sentiment_score":0.23899113833904267,"num_words":5,"start":721.91,"end":820.65},{"sentences":[{"text":"Yeah.","start":833.15497,"end":833.475,"sentiment":"neutral","sentiment_score":0.0923534333705902},{"text":"Probably that.","start":833.475,"end":834.995,"sentiment":"neutral","sentiment_score":0.07030721381306648},{"text":"Because like our look at our our final question we're we're going to ask is we wanna start so, obviously, we've got the four investment properties, but we want to What is the, yeah, what is the best way?","start":834.995,"end":847.37,"sentiment":"neutral","sentiment_score":0.07350828355321518},{"text":"Like, whether we need to sit down and have a actual meeting on structuring everything the best way possible, like, to take advantage of our investment properties, whether we buy shares.","start":847.37,"end":857.755,"sentiment":"neutral","sentiment_score":0.1358187207050862},{"text":"Is it better money sitting in offset accounts?","start":857.755,"end":859.915,"sentiment":"neutral","sentiment_score":0.0012918717693537472}],"sentiment":"neutral","sentiment_score":0.09037662019240267,"num_words":81,"start":833.15497,"end":859.915},{"sentences":[{"text":"Are we better taking the money out of the offset and buying shares and then having tax deductions from having the loan on the investment properties?","start":859.915,"end":868.495,"sentiment":"neutral","sentiment_score":-0.0024606829079297874},{"text":"Like, really, we don't know.","start":868.555,"end":869.95996,"sentiment":"neutral","sentiment_score":-0.15363060235977172},{"text":"So Yeah.","start":869.95996,"end":871.0,"sentiment":"neutral","sentiment_score":0.016839586198329926},{"text":"So because what I was gonna say, look, I like the idea of diversifying.","start":871.0,"end":874.77997,"sentiment":"neutral","sentiment_score":0.2787229735404253},{"text":"And so what what is best for us to do?","start":875.88,"end":878.45996,"sentiment":"neutral","sentiment_score":0.27254279106855395}],"sentiment":"neutral","sentiment_score":0.10226487623233545,"num_words":57,"start":859.915,"end":878.45996},{"sentences":[{"text":"Yes.","start":886.625,"end":887.125,"sentiment":"neutral","sentiment_score":0.04236613959074021},{"text":"That's correct.","start":895.985,"end":896.785,"sentiment":"neutral","sentiment_score":0.07411406561732292},{"text":"Yeah.","start":896.785,"end":897.06,"sentiment":"neutral","sentiment_score":0.07217615842819214},{"text":"A lesson convinced me.","start":897.22,"end":898.84,"sentiment":"neutral","sentiment_score":0.07547854259610176},{"text":"Yep.","start":965.265,"end":965.765,"sentiment":"neutral","sentiment_score":0.11785989999771118}],"sentiment":"neutral","sentiment_score":0.0758382777372996,"num_words":9,"start":886.625,"end":965.765},{"sentences":[{"text":"It does.","start":1009.785,"end":1010.185,"sentiment":"neutral","sentiment_score":0.19351331144571304},{"text":"Yeah.","start":1010.185,"end":1010.665,"sentiment":"neutral","sentiment_score":0.14706304669380188},{"text":"Yeah.","start":1010.665,"end":1010.985,"sentiment":"neutral","sentiment_score":0.1945440173149109},{"text":"That's a really good point.","start":1010.985,"end":1012.20496,"sentiment":"positive","sentiment_score":0.33688566386699675},{"text":"Because our problem also is the fact that so we've got four investment properties, but the work that we do at the moment so we haven't actually lived, I suppose, in a house for the last nearly six years now.","start":1012.26495,"end":1026.36,"sentiment":"neutral","sentiment_score":-0.10977358622476459}],"sentiment":"neutral","sentiment_score":-0.04036492740317267,"num_words":49,"start":1009.785,"end":1026.36},{"sentences":[{"text":"So we actually live in a Caribbean and travel Australia for work.","start":1027.06,"end":1030.76,"sentiment":"neutral","sentiment_score":-0.01500124546388785},{"text":"So, like, we've so, you know, like, we've got four houses, but we don't actually have somewhere that we live.","start":1032.26,"end":1036.68,"sentiment":"neutral","sentiment_score":-0.022168896719813348},{"text":"And so our goal is to retire as early as possible.","start":1038.075,"end":1041.615,"sentiment":"neutral","sentiment_score":0.1505179520357739},{"text":"We have the age 50 in mind, but we would and also so, like, we're trying to obviously earn as much money as possible and put investments in place to be able to retire early, but we would also have to consider that at some stage, we do need to buy a house to actually live in as well.","start":1042.475,"end":1061.02,"sentiment":"neutral","sentiment_score":0.08267898308271068},{"text":"So I suppose our idea to start with so because we when we're at work, we our accommodation gets paid for.","start":1084.23,"end":1092.975,"sentiment":"neutral","sentiment_score":0.09725641601142429}],"sentiment":"neutral","sentiment_score":0.06465649862236124,"num_words":123,"start":1027.06,"end":1092.975},{"sentences":[{"text":"Sometimes our food gets paid for.","start":1093.4349,"end":1094.795,"sentiment":"neutral","sentiment_score":0.009440258145332336},{"text":"So our bills when we're at work are very minimal.","start":1094.795,"end":1096.975,"sentiment":"neutral","sentiment_score":-0.0016271188855171204},{"text":"So, like, for example, we've been at our current job site for the last eight months, and we have had no bills.","start":1098.075,"end":1104.9,"sentiment":"neutral","sentiment_score":0.25906522233377804},{"text":"So we when we're at work, we're able to save a lot of money.","start":1105.2,"end":1108.98,"sentiment":"positive","sentiment_score":0.5064761596066611},{"text":"And so pretty much, we just had money that we weren't doing anything with, and we were like, okay.","start":1109.84,"end":1115.2799,"sentiment":"neutral","sentiment_score":0.14450777204413162}],"sentiment":"neutral","sentiment_score":0.21938195992523515,"num_words":71,"start":1093.4349,"end":1115.2799},{"sentences":[{"text":"We wanna invest.","start":1115.2799,"end":1116.08,"sentiment":"neutral","sentiment_score":0.2065351257721583},{"text":"What are we gonna do?","start":1116.08,"end":1117.155,"sentiment":"neutral","sentiment_score":0.15239817500114441},{"text":"Property.","start":1117.395,"end":1117.895,"sentiment":"neutral","sentiment_score":0.1528913378715515},{"text":"And so then that's why we just started buying properties because we could afford to.","start":1118.915,"end":1123.5751,"sentiment":"neutral","sentiment_score":0.23797357380390166},{"text":"And so we didn't then have sort of, like, a long term, okay.","start":1125.3151,"end":1128.355,"sentiment":"neutral","sentiment_score":0.06719344137952878}],"sentiment":"neutral","sentiment_score":0.16155691716719317,"num_words":37,"start":1115.2799,"end":1128.355},{"sentences":[{"text":"This is what our plan is.","start":1128.355,"end":1129.395,"sentiment":"neutral","sentiment_score":0.0998024046421051},{"text":"Because at the same time, we don't know like, you know, like a like a typical person.","start":1129.395,"end":1135.62,"sentiment":"neutral","sentiment_score":-0.011426346431321958},{"text":"You know?","start":1135.62,"end":1135.86,"sentiment":"neutral","sentiment_score":-0.01739365980029106},{"text":"They live in a town.","start":1135.86,"end":1137.0,"sentiment":"neutral","sentiment_score":-0.005274822935461998},{"text":"They do their job.","start":1137.22,"end":1138.34,"sentiment":"neutral","sentiment_score":0.010854060761630535}],"sentiment":"neutral","sentiment_score":0.011377098449670216,"num_words":34,"start":1128.355,"end":1138.34},{"sentences":[{"text":"They have their home.","start":1138.34,"end":1139.22,"sentiment":"neutral","sentiment_score":0.019771833438426256},{"text":"They're paying off the mortgage.","start":1139.22,"end":1140.44,"sentiment":"neutral","sentiment_score":-0.0013087462633848191},{"text":"Our life isn't normal, I suppose, is a good way to describe it.","start":1140.6599,"end":1146.075,"sentiment":"neutral","sentiment_score":0.023960349938044183},{"text":"So we don't know because we don't know, like, say, if something was like, you know, where do you see yourself in five years?","start":1147.095,"end":1152.3151,"sentiment":"neutral","sentiment_score":-0.0793284132766227},{"text":"We don't know at this stage.","start":1152.695,"end":1154.155,"sentiment":"neutral","sentiment_score":-0.15888646493355432}],"sentiment":"neutral","sentiment_score":-0.0475610107040176,"num_words":52,"start":1138.34,"end":1154.155},{"sentences":[{"text":"Yeah.","start":1155.8151,"end":1155.975,"sentiment":"neutral","sentiment_score":-0.07582307606935501},{"text":"It's really hard to say, So I don't know how to answer that question.","start":1155.975,"end":1159.15,"sentiment":"neutral","sentiment_score":-0.12978631045137132},{"text":"Mhmm.","start":1199.655,"end":1200.155,"sentiment":"neutral","sentiment_score":0.10973809659481049},{"text":"Yeah.","start":1244.1,"end":1244.355,"sentiment":"neutral","sentiment_score":0.033422935754060745},{"text":"Yeah.","start":1249.715,"end":1250.115,"sentiment":"neutral","sentiment_score":-0.08230505138635635}],"sentiment":"neutral","sentiment_score":-0.1017764134125577,"num_words":18,"start":1155.8151,"end":1250.115},{"sentences":[{"text":"It's hard to know.","start":1250.115,"end":1251.255,"sentiment":"neutral","sentiment_score":-0.19979996979236603},{"text":"Chris, do you have need we don't know.","start":1252.515,"end":1254.275,"sentiment":"neutral","sentiment_score":-0.11202747747302055},{"text":"Yeah.","start":1254.275,"end":1254.755,"sentiment":"neutral","sentiment_score":-0.0918743908405304},{"text":"No.","start":1254.755,"end":1254.995,"sentiment":"neutral","sentiment_score":-0.16226278245449066},{"text":"We don't know where we we don't know where we wanna live.","start":1254.995,"end":1257.955,"sentiment":"neutral","sentiment_score":-0.1992858350276947}],"sentiment":"neutral","sentiment_score":-0.16696103433003792,"num_words":26,"start":1250.115,"end":1257.955},{"sentences":[{"text":"I would say it's highly unlikely that we would live in one of these properties.","start":1257.955,"end":1261.6499,"sentiment":"neutral","sentiment_score":-0.3232148587703705},{"text":"So we'd potentially, yeah, probably sell one or two to then purchase the house we do wanna live in and then maybe keep two and own them outright as an income, maybe.","start":1263.39,"end":1276.265,"sentiment":"neutral","sentiment_score":0.0069300786126405},{"text":"But, yeah, the the real goal is to retire, like, as as soon as possible.","start":1276.805,"end":1283.2251,"sentiment":"neutral","sentiment_score":0.07530802947779497},{"text":"The job that we do is, yeah, extremely difficult.","start":1285.045,"end":1288.73,"sentiment":"negative","sentiment_score":-0.3391714162296719},{"text":"We do massive hours, like, seventy plus hours a week, and we've been doing it for years now, and we're absolutely burned out.","start":1288.73,"end":1295.0499,"sentiment":"negative","sentiment_score":-0.4229303423477256}],"sentiment":"neutral","sentiment_score":-0.1731572398281795,"num_words":94,"start":1257.955,"end":1295.0499},{"sentences":[{"text":"And, yeah, trying to do everything we can at the moment to set ourself up the best we possibly can to to get the money working for us as as much as we can so that we can work with.","start":1295.0499,"end":1308.995,"sentiment":"neutral","sentiment_score":0.20980194620788098},{"text":"What?","start":1349.9,"end":1350.4,"sentiment":"neutral","sentiment_score":0.047899097204208374},{"text":"It's flat remote.","start":1350.5399,"end":1351.455,"sentiment":"neutral","sentiment_score":0.04845167696475983},{"text":"Yeah.","start":1353.7749,"end":1354.2749,"sentiment":"neutral","sentiment_score":0.03149132430553436},{"text":"40 five.","start":1354.6549,"end":1355.635,"sentiment":"neutral","sentiment_score":0.027226965874433517}],"sentiment":"neutral","sentiment_score":0.18449526026527932,"num_words":47,"start":1295.0499,"end":1355.635},{"sentences":[{"text":"That's just so ridiculous.","start":1355.9349,"end":1356.995,"sentiment":"neutral","sentiment_score":-0.1305649932473898},{"text":"Exactly.","start":1360.975,"end":1361.475,"sentiment":"neutral","sentiment_score":0.1001434475183487},{"text":"At least be in a position where you've got the option to to retire or even part time.","start":1362.335,"end":1368.25,"sentiment":"neutral","sentiment_score":0.09771387403210004},{"text":"Like, it doesn't mean that you never work again if you've got enough money to retire and then still wanna do a part time job or even volunteer work or whatever.","start":1368.25,"end":1377.1499,"sentiment":"neutral","sentiment_score":0.05427750548528087},{"text":"Yeah.","start":1409.515,"end":1410.015,"sentiment":"neutral","sentiment_score":0.1390625387430191}],"sentiment":"neutral","sentiment_score":0.05742542574351484,"num_words":55,"start":1355.9349,"end":1410.015},{"sentences":[{"text":"Yeah.","start":1419.93,"end":1420.25,"sentiment":"neutral","sentiment_score":0.07584009319543839},{"text":"Yeah.","start":1420.25,"end":1420.49,"sentiment":"neutral","sentiment_score":0.08073008060455322},{"text":"Advice on that.","start":1420.49,"end":1421.29,"sentiment":"neutral","sentiment_score":0.07114986206094424},{"text":"And then, obviously, yeah, the main thing I was thinking, because I know last time I had this meeting last year, the person that I spoke to said about looking to investing in shares.","start":1421.29,"end":1430.9751,"sentiment":"neutral","sentiment_score":0.03688413753886433},{"text":"And so that's what we were thinking now for this time because I just we got the properties and then look at what other ways we can do it.","start":1431.675,"end":1438.795,"sentiment":"neutral","sentiment_score":0.08480738219002197}],"sentiment":"neutral","sentiment_score":0.06005138999727719,"num_words":68,"start":1419.93,"end":1438.795},{"sentences":[{"text":"But, yeah, like you said, if it is better just to put that money into the offset instead of into shares, that's probably something that we need to work out first before just going and buying shares.","start":1438.795,"end":1448.47,"sentiment":"neutral","sentiment_score":-0.06039440196410224},{"text":"Yeah.","start":1450.13,"end":1450.63,"sentiment":"neutral","sentiment_score":0.01005464792251587},{"text":"Yes.","start":1521.5751,"end":1522.05,"sentiment":"neutral","sentiment_score":-0.1301623433828354},{"text":"Yes.","start":1553.76,"end":1554.26,"sentiment":"neutral","sentiment_score":0.0754556730389595},{"text":"Yep.","start":1555.84,"end":1556.34,"sentiment":"neutral","sentiment_score":-0.011806420981884004}],"sentiment":"neutral","sentiment_score":-0.05587930039207383,"num_words":41,"start":1438.795,"end":1556.34},{"sentences":[{"text":"Yes.","start":1633.6,"end":1633.845,"sentiment":"positive","sentiment_score":0.37781715393066406},{"text":"Yep.","start":1645.9249,"end":1646.4249,"sentiment":"neutral","sentiment_score":0.19359761476516724},{"text":"Yep.","start":1647.205,"end":1647.445,"sentiment":"neutral","sentiment_score":0.24861089885234833},{"text":"That sounds good.","start":1647.445,"end":1648.38,"sentiment":"positive","sentiment_score":0.5643149614334106},{"text":"Because the other problem is too at the moment when you but how for our situation to try and work out how much we would need to retire on, it's very difficult because we of it.","start":1648.46,"end":1661.98,"sentiment":"neutral","sentiment_score":-0.2885244014776415}],"sentiment":"neutral","sentiment_score":-0.1874739976511115,"num_words":42,"start":1633.6,"end":1661.98},{"sentences":[{"text":"Like I said, when we're at work, we don't have any expenses really.","start":1661.98,"end":1665.245,"sentiment":"neutral","sentiment_score":-0.3170824761574085},{"text":"So we can't really sit down and go, okay.","start":1666.585,"end":1668.265,"sentiment":"neutral","sentiment_score":-0.2983204623063405},{"text":"This is what our current expenses are.","start":1668.265,"end":1670.105,"sentiment":"neutral","sentiment_score":-0.22903295074190413},{"text":"Then you put, you know, work in the inflation cost because ours is not correct.","start":1670.105,"end":1674.925,"sentiment":"neutral","sentiment_score":-0.21577785114447276},{"text":"Yeah.","start":1676.665,"end":1676.905,"sentiment":"neutral","sentiment_score":-0.14011380076408386}],"sentiment":"neutral","sentiment_score":-0.2619326349761751,"num_words":45,"start":1661.98,"end":1676.905},{"sentences":[{"text":"So to be able to try work that out, no idea how to calculate that.","start":1676.905,"end":1680.77,"sentiment":"neutral","sentiment_score":-0.2430665175120036},{"text":"Yep.","start":1720.715,"end":1721.115,"sentiment":"neutral","sentiment_score":0.0577700138092041},{"text":"So, yeah, we would not retire until we had our where we were living paid off.","start":1721.115,"end":1725.455,"sentiment":"neutral","sentiment_score":0.014888098230585456},{"text":"Yeah.","start":1727.115,"end":1727.615,"sentiment":"neutral","sentiment_score":0.13474881649017334},{"text":"Yep.","start":1727.6749,"end":1728.075,"sentiment":"neutral","sentiment_score":0.13840293884277344}],"sentiment":"neutral","sentiment_score":-0.09049607123083928,"num_words":34,"start":1676.905,"end":1728.075},{"sentences":[{"text":"So that would be our plan there.","start":1728.075,"end":1729.9349,"sentiment":"neutral","sentiment_score":0.17529587660517013},{"text":"How much did you say the average person needs to live off?","start":1731.1499,"end":1733.97,"sentiment":"neutral","sentiment_score":0.006308165534089009},{"text":"Yeah.","start":1739.7899,"end":1740.11,"sentiment":"neutral","sentiment_score":0.05876513943076134},{"text":"Okay.","start":1740.11,"end":1740.35,"sentiment":"neutral","sentiment_score":0.06938976794481277},{"text":"Yeah.","start":1740.35,"end":1740.6699,"sentiment":"neutral","sentiment_score":0.08213604986667633}],"sentiment":"neutral","sentiment_score":0.06877545817670497,"num_words":22,"start":1728.075,"end":1740.6699},{"sentences":[{"text":"At least we sort of got that idea then.","start":1740.6699,"end":1742.5299,"sentiment":"neutral","sentiment_score":0.09402725845575333},{"text":"Because we would be looking, like, we I'd say too, like, we're we are tired asses, but we would want to have the opportunity not to be.","start":1743.07,"end":1754.485,"sentiment":"neutral","sentiment_score":-0.08414043603395974},{"text":"So we would probably be looking more towards that 1,000 a week so that we'd have money sitting there.","start":1754.485,"end":1761.1001,"sentiment":"neutral","sentiment_score":0.08825372355548959},{"text":"So if we did wanna go splurge on something, we can.","start":1761.1001,"end":1763.26,"sentiment":"neutral","sentiment_score":0.19581655819307675},{"text":"Or if, you know, we wanna do an overseas holiday every year, we can.","start":1763.26,"end":1766.7201,"sentiment":"neutral","sentiment_score":0.18904608434864453}],"sentiment":"neutral","sentiment_score":0.06314877027180046,"num_words":80,"start":1740.6699,"end":1766.7201},{"sentences":[{"text":"It's gonna be more than that.","start":1766.78,"end":1768.16,"sentiment":"neutral","sentiment_score":0.12256219983100891},{"text":"Yeah.","start":1772.2201,"end":1772.6201,"sentiment":"neutral","sentiment_score":0.1398470401763916},{"text":"So So what are the next next steps then?","start":1772.6201,"end":1777.635,"sentiment":"neutral","sentiment_score":0.08635712953077422},{"text":"Yep.","start":1785.6951,"end":1786.08,"sentiment":"neutral","sentiment_score":0.0544486902654171},{"text":"Yep.","start":1800.625,"end":1801.125,"sentiment":"neutral","sentiment_score":0.14303359389305115}],"sentiment":"neutral","sentiment_score":0.10277314939432675,"num_words":18,"start":1766.78,"end":1801.125},{"sentences":[{"text":"Yep.","start":1868.1799,"end":1868.5,"sentiment":"neutral","sentiment_score":0.31450384855270386},{"text":"Perfect.","start":1868.5,"end":1869.0,"sentiment":"positive","sentiment_score":0.7081024646759033},{"text":"Yeah.","start":1892.72,"end":1893.04,"sentiment":"neutral","sentiment_score":0.17314496636390686},{"text":"Definitely open to doing.","start":1893.04,"end":1894.5,"sentiment":"neutral","sentiment_score":0.24045486748218536},{"text":"I just think we are so out of touch with what stuff cost.","start":1895.68,"end":1899.4401,"sentiment":"neutral","sentiment_score":-0.15138388711672562}],"sentiment":"neutral","sentiment_score":0.009479010850191117,"num_words":20,"start":1868.1799,"end":1899.4401},{"sentences":[{"text":"But, like, we've been doing this for six years now, so we haven't, like, we haven't had an electricity bill in six years.","start":1899.4401,"end":1902.7877,"sentiment":"neutral","sentiment_score":-0.15022125289491986},{"text":"We haven't had electricity bill in six years.","start":1902.7877,"end":1906.905,"sentiment":"neutral","sentiment_score":-0.14302843902260065},{"text":"We haven't had a water bill in six years.","start":1906.905,"end":1908.365,"sentiment":"neutral","sentiment_score":-0.13871968372000587},{"text":"Like, we haven't had to like, and we don't like, at the moment, we're living in a, like, a mine site camp style.","start":1908.365,"end":1915.265,"sentiment":"neutral","sentiment_score":-0.16670771429072256},{"text":"So we haven't had to buy food for the last year.","start":1915.6449,"end":1918.7849,"sentiment":"neutral","sentiment_score":-0.15828152204101736}],"sentiment":"neutral","sentiment_score":-0.15436713045110573,"num_words":74,"start":1899.4401,"end":1918.7849},{"sentences":[{"text":"We just got no idea how much stuff actually cost.","start":1919.82,"end":1922.38,"sentiment":"neutral","sentiment_score":-0.2048175200819969},{"text":"We've only just gone on to a roster with work, but we're actually off this week and just going to the shops and going food shopping.","start":1922.38,"end":1929.82,"sentiment":"neutral","sentiment_score":-0.17282705954634225},{"text":"We're just blown away with how much that cost.","start":1929.82,"end":1931.835,"sentiment":"negative","sentiment_score":-0.3345450808604558},{"text":"So yeah.","start":1932.7949,"end":1933.995,"sentiment":"neutral","sentiment_score":-0.060457468032836914},{"text":"We're just yeah.","start":1933.995,"end":1935.455,"sentiment":"neutral","sentiment_score":-0.11157575498024623}],"sentiment":"neutral","sentiment_score":-0.20016453355550767,"num_words":50,"start":1919.82,"end":1935.455},{"sentences":[{"text":"Yeah.","start":1935.9149,"end":1936.075,"sentiment":"neutral","sentiment_score":-0.16124141216278076},{"text":"I would have to like still do the Google research to see what the average cost of stuff is.","start":1936.075,"end":1940.495,"sentiment":"neutral","sentiment_score":-0.14258961575595955},{"text":"Yep.","start":1981.1399,"end":1981.3799,"sentiment":"neutral","sentiment_score":0.1528063416481018},{"text":"That sounds good.","start":1981.3799,"end":1982.175,"sentiment":"positive","sentiment_score":0.40519455075263977},{"text":"Yeah.","start":1986.655,"end":1986.895,"sentiment":"neutral","sentiment_score":0.15383124351501465}],"sentiment":"neutral","sentiment_score":-0.05392891496419907,"num_words":25,"start":1935.9149,"end":1986.895},{"sentences":[{"text":"Yeah.","start":1986.895,"end":1987.2151,"sentiment":"neutral","sentiment_score":0.21278750896453855},{"text":"That sounds good.","start":1987.2151,"end":1988.115,"sentiment":"positive","sentiment_score":0.35434824228286743},{"text":"Yeah.","start":1993.775,"end":1994.275,"sentiment":"neutral","sentiment_score":-0.023043394088745117},{"text":"No.","start":1994.9751,"end":1995.2151,"sentiment":"neutral","sentiment_score":-0.021729527041316032},{"text":"Yeah.","start":1995.2151,"end":1995.535,"sentiment":"neutral","sentiment_score":0.03749905154109001}],"sentiment":"neutral","sentiment_score":0.18122262374630996,"num_words":7,"start":1986.895,"end":1995.535},{"sentences":[{"text":"Chris Chris is good.","start":1995.535,"end":1996.91,"sentiment":"neutral","sentiment_score":0.09746252279728651},{"text":"Thanks.","start":2001.4501,"end":2001.7001,"sentiment":"neutral","sentiment_score":0.29308146238327026},{"text":"Yeah.","start":2001.7001,"end":2002.2001,"sentiment":"neutral","sentiment_score":0.024162210524082184},{"text":"Yep.","start":2023.225,"end":2023.5,"sentiment":"neutral","sentiment_score":0.03739839047193527},{"text":"So that would be the one number one that says Harvey Bay.","start":2030.94,"end":2034.24,"sentiment":"neutral","sentiment_score":0.018176470107088488}],"sentiment":"neutral","sentiment_score":0.050663673465973454,"num_words":19,"start":1995.535,"end":2034.24},{"sentences":[{"text":"Yeah.","start":2038.975,"end":2039.375,"sentiment":"neutral","sentiment_score":0.06190013140439987},{"text":"44 and a half.","start":2039.375,"end":2040.6749,"sentiment":"neutral","sentiment_score":0.042421028949320316},{"text":"Yep.","start":2040.975,"end":2041.475,"sentiment":"neutral","sentiment_score":0.05554827302694321},{"text":"Then so we've actually got four now.","start":2043.135,"end":2045.2949,"sentiment":"neutral","sentiment_score":0.042435728279607635},{"text":"So we must have purchased another one since then.","start":2045.2949,"end":2049.555,"sentiment":"neutral","sentiment_score":0.0277762942843967}],"sentiment":"neutral","sentiment_score":0.03791678485206582,"num_words":22,"start":2038.975,"end":2049.555},{"sentences":[{"text":"So did you want the amount for all of them or what?","start":2051.07,"end":2054.37,"sentiment":"neutral","sentiment_score":0.016002462323134143},{"text":"Yeah.","start":2070.5452,"end":2070.7852,"sentiment":"neutral","sentiment_score":0.00868356041610241},{"text":"Okay.","start":2070.7852,"end":2071.0251,"sentiment":"neutral","sentiment_score":0.008119218051433563},{"text":"So that would be this this property is just outside of Harvey Bay.","start":2071.0251,"end":2074.405,"sentiment":"neutral","sentiment_score":0.0017465208298884907},{"text":"So it's still a suburb of Harvey Bay.","start":2075.3452,"end":2077.38,"sentiment":"neutral","sentiment_score":0.006414455710910261}],"sentiment":"neutral","sentiment_score":0.008081506937742233,"num_words":35,"start":2051.07,"end":2077.38},{"sentences":[{"text":"But so it is got $4.50 owing, but it's got 375 in the offset.","start":2078.42,"end":2085.88,"sentiment":"neutral","sentiment_score":0.0061460860805319885},{"text":"Yep.","start":2093.305,"end":2093.805,"sentiment":"neutral","sentiment_score":0.33154404163360596},{"text":"And then we've got one in Sunbury, which is in Victoria.","start":2098.425,"end":2103.485,"sentiment":"neutral","sentiment_score":0.09673991460691798},{"text":"It would be.","start":2106.76,"end":2107.4,"sentiment":"neutral","sentiment_score":0.05292032162348429},{"text":"Yeah.","start":2107.4,"end":2107.64,"sentiment":"neutral","sentiment_score":0.05003330111503601}],"sentiment":"neutral","sentiment_score":0.056350752447421354,"num_words":30,"start":2078.42,"end":2107.64},{"sentences":[{"text":"Yep.","start":2107.64,"end":2108.14,"sentiment":"neutral","sentiment_score":0.05435469001531601},{"text":"And that one's $5.32.","start":2111.48,"end":2113.5798,"sentiment":"neutral","sentiment_score":0.11323709972202778},{"text":"And then the new one is Western Australia, and it's got $5.60.","start":2117.4,"end":2124.205,"sentiment":"neutral","sentiment_score":0.07391474318380158},{"text":"And so neither of those have anything in the offset.","start":2125.8652,"end":2128.205,"sentiment":"neutral","sentiment_score":0.002974178269505501},{"text":"It just yeah.","start":2130.0251,"end":2132.1052,"sentiment":"neutral","sentiment_score":0.03039340302348137}],"sentiment":"neutral","sentiment_score":0.05050673329581817,"num_words":30,"start":2107.64,"end":2132.1052},{"sentences":[{"text":"Just adding to that.","start":2132.1052,"end":2133.145,"sentiment":"neutral","sentiment_score":-0.0019289415795356035},{"text":"The the way that the this is all structured, there's a master facility is what they call it.","start":2133.145,"end":2139.06,"sentiment":"neutral","sentiment_score":-0.021955763403740194},{"text":"So that's actually debt that's related with deposits and stuff for those houses.","start":2139.52,"end":2145.14,"sentiment":"neutral","sentiment_score":-0.0526984568971854},{"text":"So you would have to add that debt as well.","start":2145.2,"end":2148.34,"sentiment":"neutral","sentiment_score":-0.04210567120462656},{"text":"Yeah.","start":2148.825,"end":2149.2249,"sentiment":"neutral","sentiment_score":0.01402414683252573}],"sentiment":"neutral","sentiment_score":-0.03250069592310035,"num_words":46,"start":2132.1052,"end":2149.2249},{"sentences":[{"text":"So what we did was for our first Harvey Bay property is we took the equity out of that property to be able to then have the deposit to pay for those two new properties.","start":2149.2249,"end":2158.445,"sentiment":"neutral","sentiment_score":0.06058269026024001},{"text":"So the amount that's owing in that is 360.","start":2158.825,"end":2162.605,"sentiment":"neutral","sentiment_score":0.048091830478774175},{"text":"So that brings us Dunbury and the WA Property loan ratio higher.","start":2168.4001,"end":2174.98,"sentiment":"neutral","sentiment_score":0.1632287409156561},{"text":"So yeah.","start":2175.9202,"end":2176.82,"sentiment":"neutral","sentiment_score":0.09056675434112549},{"text":"I think it Oh, good question.","start":2190.765,"end":2192.035,"sentiment":"neutral","sentiment_score":0.03480783787866434}],"sentiment":"neutral","sentiment_score":0.07659290719311684,"num_words":64,"start":2149.2249,"end":2192.035},{"sentences":[{"text":"Cost us $6.50.","start":2192.285,"end":2195.2998,"sentiment":"neutral","sentiment_score":0.009307813209791979},{"text":"And I think it's yeah.","start":2195.8398,"end":2197.92,"sentiment":"neutral","sentiment_score":0.014613215811550617},{"text":"I think it's worth roughly $8.50 now.","start":2197.92,"end":2200.5798,"sentiment":"neutral","sentiment_score":0.07366987211363656},{"text":"Yeah.","start":2200.7998,"end":2201.0398,"sentiment":"neutral","sentiment_score":0.06681019812822342},{"text":"The broker did just do the valuations the other day for us.","start":2201.0398,"end":2203.68,"sentiment":"neutral","sentiment_score":0.11965999193489552}],"sentiment":"neutral","sentiment_score":0.07569316874391266,"num_words":28,"start":2192.285,"end":2203.68},{"sentences":[{"text":"We do actually look at the documents there.","start":2203.68,"end":2205.2798,"sentiment":"neutral","sentiment_score":0.07274047331884503},{"text":"300,000.","start":2205.44,"end":2206.42,"sentiment":"neutral","sentiment_score":0.06316706538200378},{"text":"Pretty much what we bought bought it.","start":2215.2852,"end":2216.885,"sentiment":"neutral","sentiment_score":0.13021031128508703},{"text":"I think it's sitting at $7.50, and we paid $7.50.","start":2216.885,"end":2219.7651,"sentiment":"neutral","sentiment_score":0.04891542457044125},{"text":"Mhmm.","start":2219.7651,"end":2220.18,"sentiment":"neutral","sentiment_score":0.017917251214385033}],"sentiment":"neutral","sentiment_score":0.0764309084387841,"num_words":27,"start":2203.68,"end":2220.18},{"sentences":[{"text":"Yeah.","start":2229.46,"end":2229.6199,"sentiment":"neutral","sentiment_score":0.0849376767873764},{"text":"I think it's more now.","start":2229.6199,"end":2230.66,"sentiment":"neutral","sentiment_score":0.06079050377011299},{"text":"I think it's probably I've got one.","start":2230.66,"end":2235.405,"sentiment":"neutral","sentiment_score":0.0395519637635776},{"text":"That document $7.50?","start":2235.405,"end":2236.7651,"sentiment":"neutral","sentiment_score":0.020093807329734165},{"text":"Yes.","start":2236.7651,"end":2236.925,"sentiment":"neutral","sentiment_score":0.027899567037820816}],"sentiment":"neutral","sentiment_score":0.04434911358882399,"num_words":17,"start":2229.46,"end":2236.925},{"sentences":[{"text":"Maybe maybe $7.50.","start":2236.925,"end":2239.0251,"sentiment":"neutral","sentiment_score":0.016767476374904316},{"text":"So I think it's $7.50 as well.","start":2249.3499,"end":2251.27,"sentiment":"neutral","sentiment_score":0.15809984292302812},{"text":"So I think the two in Harley Bay is sitting at the same amount.","start":2251.27,"end":2253.77,"sentiment":"neutral","sentiment_score":0.12643100108419145},{"text":"Oh, good question.","start":2280.1,"end":2281.48,"sentiment":"neutral","sentiment_score":0.04524419208367666},{"text":"So I'm currently I should've had this down, but I'm currently sitting at $1.70.","start":2282.02,"end":2288.375,"sentiment":"neutral","sentiment_score":-0.12151141411491803}],"sentiment":"neutral","sentiment_score":0.03320995422943336,"num_words":41,"start":2236.925,"end":2288.375},{"sentences":[{"text":"That's just my pay for my last pay slip.","start":2288.675,"end":2291.8152,"sentiment":"neutral","sentiment_score":-0.04576553114586406},{"text":"So I get I get paid this week, so that's a fortnight behind.","start":2292.1152,"end":2295.5752,"sentiment":"neutral","sentiment_score":-0.07433333305212167},{"text":"And then for the property like, two of the property just thinking how much would the properties be generating?","start":2297.235,"end":2307.4302,"sentiment":"neutral","sentiment_score":-0.02494170555942937},{"text":"Or partly.","start":2307.9702,"end":2308.6902,"sentiment":"neutral","sentiment_score":-0.06023442558944225},{"text":"So two of them are port negatively geared and two are positively geared.","start":2308.6902,"end":2312.1501,"sentiment":"neutral","sentiment_score":-0.09749940668161099}],"sentiment":"neutral","sentiment_score":-0.05785851167248828,"num_words":56,"start":2288.675,"end":2312.1501},{"sentences":[{"text":"So I do actually have a spreadsheet that shows this information.","start":2314.61,"end":2320.125,"sentiment":"neutral","sentiment_score":0.07437663897871971},{"text":"Is it easier if I reply to your email with this information?","start":2322.345,"end":2325.145,"sentiment":"neutral","sentiment_score":0.07089784213652213},{"text":"Because I don't actually know it off the top of my head.","start":2325.145,"end":2327.145,"sentiment":"neutral","sentiment_score":-0.08909983622531097},{"text":"I can give you the figures.","start":2327.145,"end":2328.265,"sentiment":"neutral","sentiment_score":-0.10313110798597336},{"text":"Like, I know how much the rent is to give that figure.","start":2328.265,"end":2333.12,"sentiment":"neutral","sentiment_score":-0.05814024666324258}],"sentiment":"neutral","sentiment_score":-0.013523594493854721,"num_words":53,"start":2314.61,"end":2333.12},{"sentences":[{"text":"But, yeah, do you want that information or no?","start":2334.4202,"end":2336.6,"sentiment":"neutral","sentiment_score":-0.09101068062914743},{"text":"Yep.","start":2350.9949,"end":2351.4949,"sentiment":"neutral","sentiment_score":0.05556860193610191},{"text":"So two of the oh, so I think it sits around a 120.","start":2351.635,"end":2355.255,"sentiment":"neutral","sentiment_score":0.03132613232502571},{"text":"I think the four properties, the rent, without any of the expenses deducted, sits around $1.20.","start":2355.36,"end":2361.3801,"sentiment":"neutral","sentiment_score":0.029756030649878085},{"text":"Not off the top of my 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well.","start":2395.575,"end":2400.4749,"sentiment":"neutral","sentiment_score":0.25772370310390696}],"sentiment":"neutral","sentiment_score":0.25949522997770047,"num_words":45,"start":2376.415,"end":2400.4749},{"sentences":[{"text":"And we did two new builds because you can claim all the fittings and fixtures and blah blah blah blah.","start":2401.655,"end":2407.595,"sentiment":"neutral","sentiment_score":0.12404363621026278},{"text":"Yeah.","start":2409.86,"end":2410.02,"sentiment":"neutral","sentiment_score":0.159404918551445},{"text":"So last year, we didn't really get we got a couple of months into the year for Sunbury, and then this will be our first full year to claim that and same with Western Australia.","start":2410.02,"end":2423.2202,"sentiment":"neutral","sentiment_score":0.14852816185780934},{"text":"So we really wanna get a good tax accountant to to benefit as much as we can from from that this year and being the first year that we really should be able to get a decent claim instead of giving it all to government.","start":2423.2202,"end":2436.015,"sentiment":"positive","sentiment_score":0.3436037787132793},{"text":"So the other two aren't new, so there's not as much to claim.","start":2436.015,"end":2442.56,"sentiment":"neutral","sentiment_score":0.061944867842472516}],"sentiment":"neutral","sentiment_score":0.21145804063008541,"num_words":114,"start":2401.655,"end":2442.56},{"sentences":[{"text":"We've got tax depreciation done for all property.","start":2442.56,"end":2446.9,"sentiment":"neutral","sentiment_score":0.1013081856071949},{"text":"But, yeah, this year will be the the probably the year that we got an idea on how much we can claim.","start":2448.8,"end":2455.185,"sentiment":"neutral","sentiment_score":0.18085228177634152},{"text":"Yep.","start":2470.6702,"end":2471.07,"sentiment":"neutral","sentiment_score":0.12024815380573271},{"text":"Sounds good.","start":2471.07,"end":2471.7102,"sentiment":"positive","sentiment_score":0.3626977205276489},{"text":"Yep.","start":2471.7102,"end":2472.2102,"sentiment":"neutral","sentiment_score":0.1318420022726059}],"sentiment":"neutral","sentiment_score":0.16960886120796204,"num_words":34,"start":2442.56,"end":2472.2102},{"sentences":[{"text":"Yep.","start":2478.03,"end":2478.53,"sentiment":"neutral","sentiment_score":0.04342734068632126},{"text":"Yeah.","start":2488.505,"end":2488.9849,"sentiment":"neutral","sentiment_score":0.013066740706562996},{"text":"So I'm to manager now, but, yeah, still construction and, yep, HSE manager.","start":2488.9849,"end":2494.9001,"sentiment":"neutral","sentiment_score":0.02483299825913631},{"text":"Yep.","start":2511.895,"end":2512.395,"sentiment":"neutral","sentiment_score":0.04810292646288872},{"text":"Oh, I don't know how we would have come to that figure, but we just wanted to this is gonna sound silly, but we just want as much as possible to say that yeah.","start":2524.5198,"end":2533.2598,"sentiment":"neutral","sentiment_score":-0.02331250281456639}],"sentiment":"neutral","sentiment_score":-0.007303982209414243,"num_words":50,"start":2478.03,"end":2533.2598},{"sentences":[{"text":"What what so what we do with work is because it's construction, so we will we'll do a project.","start":2550.62,"end":2555.6,"sentiment":"neutral","sentiment_score":-0.007998624301858638},{"text":"The project will then finish, and then we generally will take a few months off of work.","start":2555.82,"end":2561.28,"sentiment":"neutral","sentiment_score":-0.015513593550114071},{"text":"But, like, last year, we had close to three months off maybe.","start":2562.22,"end":2567.175,"sentiment":"neutral","sentiment_score":-0.021317654599746067},{"text":"It was, like, three to four months in total.","start":2567.715,"end":2569.895,"sentiment":"neutral","sentiment_score":-0.013405349312557114},{"text":"And so we didn't, like, go travel in our caravan for that time.","start":2570.595,"end":2574.135,"sentiment":"neutral","sentiment_score":-0.17495259871849647}],"sentiment":"neutral","sentiment_score":-0.043807839063395346,"num_words":70,"start":2550.62,"end":2574.135},{"sentences":[{"text":"So the reason why we, you know, don't really wanna buy another property is because we do want to reduce our debt because we don't have a constant income.","start":2574.355,"end":2583.6702,"sentiment":"neutral","sentiment_score":-0.25972507277439383},{"text":"So when we do take those extended periods off work, we're not getting paid.","start":2584.37,"end":2588.1501,"sentiment":"neutral","sentiment_score":-0.1475495094699519},{"text":"So we just need to make sure we're being smart about it so that we don't have big bills and we can afford to still travel and not have an income.","start":2588.9302,"end":2596.695,"sentiment":"neutral","sentiment_score":-0.05932431728128464},{"text":"Yep.","start":2633.005,"end":2633.505,"sentiment":"neutral","sentiment_score":0.2137211263179779},{"text":"Sounds good.","start":2633.565,"end":2634.18,"sentiment":"positive","sentiment_score":0.641077309846878}],"sentiment":"neutral","sentiment_score":-0.12910257574993295,"num_words":77,"start":2574.355,"end":2634.18},{"sentences":[{"text":"Yep.","start":2728.47,"end":2728.97,"sentiment":"neutral","sentiment_score":0.03279280290007591},{"text":"Yeah.","start":2730.47,"end":2730.97,"sentiment":"neutral","sentiment_score":-0.03448345512151718},{"text":"Yep.","start":2742.885,"end":2743.385,"sentiment":"neutral","sentiment_score":0.1955796182155609},{"text":"Okay.","start":2840.655,"end":2840.895,"sentiment":"neutral","sentiment_score":-0.0012886538170278072},{"text":"You're right.","start":2840.895,"end":2841.455,"sentiment":"neutral","sentiment_score":-0.01643260708078742}],"sentiment":"neutral","sentiment_score":0.0266225163359195,"num_words":6,"start":2728.47,"end":2841.455},{"sentences":[{"text":"I don't think so.","start":2841.455,"end":2842.575,"sentiment":"neutral","sentiment_score":-0.055196600034832954},{"text":"No.","start":2842.575,"end":2842.895,"sentiment":"neutral","sentiment_score":-0.08149618655443192},{"text":"Because I don't really obviously, because you can't access your super for so long, and we are obviously planning on retiring before you can access it.","start":2842.895,"end":2850.78,"sentiment":"neutral","sentiment_score":-0.07060657326991741},{"text":"We're sort of just wanting to have the Zebra as, like, a backup.","start":2850.86,"end":2855.36,"sentiment":"neutral","sentiment_score":0.013705833456837214},{"text":"So as long as it's growing and it's growing well, I'm I'm very happy with that.","start":2856.7,"end":2860.4001,"sentiment":"positive","sentiment_score":0.3700609393417835}],"sentiment":"neutral","sentiment_score":0.06601828954493007,"num_words":60,"start":2841.455,"end":2860.4001},{"sentences":[{"text":"I do, Bailey.","start":2877.98,"end":2878.8599,"sentiment":"neutral","sentiment_score":-0.008829404599964619},{"text":"Yeah.","start":2878.8599,"end":2879.0999,"sentiment":"neutral","sentiment_score":-0.012767236679792404},{"text":"Yeah.","start":2879.0999,"end":2879.3398,"sentiment":"neutral","sentiment_score":-0.01667768880724907},{"text":"I think he just said that they'll just monitor it from memory.","start":2879.3398,"end":2882.64,"sentiment":"neutral","sentiment_score":-0.03332759439945221},{"text":"Yes.","start":2909.8499,"end":2910.0898,"sentiment":"neutral","sentiment_score":0.1542544066905975}],"sentiment":"neutral","sentiment_score":-0.016756103632764682,"num_words":18,"start":2877.98,"end":2910.0898},{"sentences":[{"text":"Yes.","start":2910.0898,"end":2910.41,"sentiment":"neutral","sentiment_score":0.21466290950775144},{"text":"Sounds good.","start":2910.41,"end":2911.23,"sentiment":"positive","sentiment_score":0.46313948929309845},{"text":"I'm honestly just happy to go with whatever you guys think is best for the super.","start":2964.23,"end":2968.415,"sentiment":"neutral","sentiment_score":0.3204286927357316},{"text":"Yeah.","start":2968.5552,"end":2968.7952,"sentiment":"neutral","sentiment_score":0.11712250113487244},{"text":"Whatever you'd recommend.","start":2968.7952,"end":2969.855,"sentiment":"neutral","sentiment_score":0.16855818033218384}],"sentiment":"neutral","sentiment_score":0.2995912179998729,"num_words":23,"start":2910.0898,"end":2969.855},{"sentences":[{"text":"Yep.","start":2977.115,"end":2977.615,"sentiment":"neutral","sentiment_score":0.18936443328857425},{"text":"Yep.","start":2982.875,"end":2983.32,"sentiment":"neutral","sentiment_score":0.15651194751262665},{"text":"That sounds good.","start":2983.48,"end":2995.1802,"sentiment":"neutral","sentiment_score":0.2594269464413325},{"text":"No.","start":3031.205,"end":3031.365,"sentiment":"neutral","sentiment_score":-0.19193148612976071},{"text":"I think I'm happy with how it is at the moment.","start":3031.365,"end":3033.465,"sentiment":"neutral","sentiment_score":-0.20918334207751535}],"sentiment":"neutral","sentiment_score":-0.080517119344543,"num_words":17,"start":2977.115,"end":3033.465},{"sentences":[{"text":"Yeah.","start":3053.025,"end":3053.345,"sentiment":"neutral","sentiment_score":0.017740290611982346},{"text":"For the time being, I think so.","start":3053.345,"end":3054.7048,"sentiment":"neutral","sentiment_score":0.014946330072624343},{"text":"Because our work is yeah.","start":3054.7048,"end":3056.145,"sentiment":"neutral","sentiment_score":0.0017789613455533979},{"text":"Our work is I can't see it not happening anytime soon.","start":3056.145,"end":3059.285,"sentiment":"neutral","sentiment_score":-0.06847617842934349},{"text":"So, yeah, at the moment, all good.","start":3059.47,"end":3061.82,"sentiment":"neutral","sentiment_score":0.06712829148662942}],"sentiment":"neutral","sentiment_score":-0.004905823047362989,"num_words":31,"start":3053.025,"end":3061.82},{"sentences":[{"text":"Yep.","start":3075.405,"end":3075.905,"sentiment":"neutral","sentiment_score":0.07855138182640076},{"text":"Yep.","start":3079.325,"end":3079.645,"sentiment":"neutral","sentiment_score":0.0783310979604721},{"text":"Yep.","start":3079.645,"end":3079.805,"sentiment":"neutral","sentiment_score":0.11137108504772186},{"text":"That's good.","start":3079.805,"end":3080.625,"sentiment":"neutral","sentiment_score":0.26519355177879333},{"text":"Yep.","start":3104.395,"end":3104.715,"sentiment":"neutral","sentiment_score":0.09208425134420396}],"sentiment":"neutral","sentiment_score":0.14845415328939757,"num_words":6,"start":3075.405,"end":3104.715},{"sentences":[{"text":"That's correct.","start":3104.715,"end":3105.455,"sentiment":"neutral","sentiment_score":0.1474226787686348},{"text":"Yeah.","start":3112.54,"end":3112.78,"sentiment":"neutral","sentiment_score":0.05461863800883293},{"text":"No changes at all.","start":3112.78,"end":3114.16,"sentiment":"neutral","sentiment_score":0.0020913302432745695},{"text":"Yep.","start":3141.8499,"end":3142.3499,"sentiment":"neutral","sentiment_score":0.016431758180260658},{"text":"Yeah.","start":3169.48,"end":3169.8,"sentiment":"neutral","sentiment_score":-0.02017470821738243}],"sentiment":"neutral","sentiment_score":0.03934292960911989,"num_words":9,"start":3104.715,"end":3169.8},{"sentences":[{"text":"I'm not really phased.","start":3169.8,"end":3170.68,"sentiment":"neutral","sentiment_score":-0.09306185506284237},{"text":"I would just hold and wait.","start":3170.68,"end":3172.06,"sentiment":"neutral","sentiment_score":-0.07948575044671695},{"text":"Trust the process.","start":3172.12,"end":3173.02,"sentiment":"neutral","sentiment_score":0.023884550978740055},{"text":"Yep.","start":3189.5051,"end":3189.93,"sentiment":"neutral","sentiment_score":0.09143289178609848},{"text":"Sounds good.","start":3189.93,"end":3190.8298,"sentiment":"neutral","sentiment_score":0.1846088320016861}],"sentiment":"neutral","sentiment_score":-0.01980360713787377,"num_words":16,"start":3169.8,"end":3190.8298},{"sentences":[{"text":"Yeah.","start":3204.17,"end":3204.5698,"sentiment":"neutral","sentiment_score":0.04374615103006363},{"text":"That's correct.","start":3204.5698,"end":3205.05,"sentiment":"neutral","sentiment_score":0.06581805646419525},{"text":"I do check it every now and then.","start":3205.05,"end":3206.9749,"sentiment":"neutral","sentiment_score":0.053206533659249544},{"text":"But yeah.","start":3207.355,"end":3207.9148,"sentiment":"neutral","sentiment_score":-0.005566870793700218},{"text":"No.","start":3207.9148,"end":3208.075,"sentiment":"neutral","sentiment_score":-0.22757568955421448}],"sentiment":"neutral","sentiment_score":0.025880364435059682,"num_words":14,"start":3204.17,"end":3208.075},{"sentences":[{"text":"I'm not satisfied.","start":3208.075,"end":3208.7148,"sentiment":"negative","sentiment_score":-0.36398182312647503},{"text":"If it's going down, it's going down.","start":3208.7148,"end":3209.9949,"sentiment":"neutral","sentiment_score":-0.26314823755196165},{"text":"It is what it is.","start":3209.9949,"end":3211.135,"sentiment":"neutral","sentiment_score":-0.21009695529937744},{"text":"No.","start":3233.67,"end":3233.99,"sentiment":"neutral","sentiment_score":-0.15041407942771912},{"text":"No.","start":3233.99,"end":3234.49,"sentiment":"neutral","sentiment_score":-0.15535324811935425}],"sentiment":"neutral","sentiment_score":-0.2523667786051245,"num_words":17,"start":3208.075,"end":3234.49},{"sentences":[{"text":"No.","start":3234.6848,"end":3234.9248,"sentiment":"neutral","sentiment_score":-0.17999020218849182},{"text":"I'm still yeah.","start":3234.9248,"end":3235.645,"sentiment":"neutral","sentiment_score":-0.07165093223253886},{"text":"Happy to yeah.","start":3235.645,"end":3236.605,"sentiment":"neutral","sentiment_score":0.28458919127782184},{"text":"Yep.","start":3236.605,"end":3237.105,"sentiment":"neutral","sentiment_score":0.15362823009490967},{"text":"Yep.","start":3262.4949,"end":3262.9949,"sentiment":"neutral","sentiment_score":0.07465151697397232}],"sentiment":"neutral","sentiment_score":0.07634492466847102,"num_words":9,"start":3234.6848,"end":3262.9949},{"sentences":[{"text":"No.","start":3271.135,"end":3271.295,"sentiment":"neutral","sentiment_score":-0.12020270526409148},{"text":"I probably would like it more regularly.","start":3271.295,"end":3273.075,"sentiment":"neutral","sentiment_score":-0.09513526463082858},{"text":"Yeah.","start":3274.7349,"end":3275.2148,"sentiment":"neutral","sentiment_score":0.021914206445217133},{"text":"Yeah.","start":3275.2148,"end":3275.455,"sentiment":"neutral","sentiment_score":0.01745416969060898},{"text":"Probably six monthly.","start":3275.455,"end":3276.9,"sentiment":"neutral","sentiment_score":0.019043293160696823}],"sentiment":"neutral","sentiment_score":-0.05305010015861346,"num_words":13,"start":3271.135,"end":3276.9},{"sentences":[{"text":"Yep.","start":3291.22,"end":3291.675,"sentiment":"neutral","sentiment_score":0.08695390075445175},{"text":"Yep.","start":3344.5999,"end":3345.0999,"sentiment":"neutral","sentiment_score":0.16192856431007385},{"text":"Yep.","start":3385.125,"end":3385.38,"sentiment":"neutral","sentiment_score":0.16579805314540863},{"text":"Yeah.","start":3386.5798,"end":3386.8198,"sentiment":"neutral","sentiment_score":0.31674790382385254},{"text":"Good.","start":3386.8198,"end":3387.14,"sentiment":"positive","sentiment_score":0.568719744682312}],"sentiment":"neutral","sentiment_score":0.26002963334321977,"num_words":5,"start":3291.22,"end":3387.14},{"sentences":[{"text":"Thank you.","start":3387.14,"end":3387.7998,"sentiment":"positive","sentiment_score":0.6481095552444458},{"text":"Yep.","start":3422.45,"end":3422.95,"sentiment":"neutral","sentiment_score":0.14530910551548004},{"text":"Yeah.","start":3433.105,"end":3433.345,"sentiment":"neutral","sentiment_score":0.13341784477233887},{"text":"That's alright.","start":3433.345,"end":3433.825,"sentiment":"neutral","sentiment_score":0.23758664727210999},{"text":"I can look into look into that.","start":3433.825,"end":3435.585,"sentiment":"neutral","sentiment_score":0.29041188955307007}],"sentiment":"neutral","sentiment_score":0.31407712170710933,"num_words":13,"start":3387.14,"end":3435.585},{"sentences":[{"text":"I think it's something that I'm definitely gonna do this to.","start":3435.585,"end":3438.4648,"sentiment":"positive","sentiment_score":0.3675976612351157},{"text":"Yeah.","start":3438.4648,"end":3438.785,"sentiment":"neutral","sentiment_score":0.1788671463727951},{"text":"Okay.","start":3438.785,"end":3439.08,"sentiment":"neutral","sentiment_score":0.183612659573555},{"text":"Yep.","start":3439.56,"end":3440.06,"sentiment":"neutral","sentiment_score":0.2813524901866913},{"text":"Well, we do so the reason why we have a self managed super fund is because when we went through these advisers, they were saying to us, oh, buy an investment property and use super.","start":3454.665,"end":3464.745,"sentiment":"neutral","sentiment_score":-0.004591979086399078}],"sentiment":"neutral","sentiment_score":0.09238137350398667,"num_words":49,"start":3435.585,"end":3464.745},{"sentences":[{"text":"It's great.","start":3464.745,"end":3465.465,"sentiment":"neutral","sentiment_score":0.12383874505758286},{"text":"Blah blah blah.","start":3465.465,"end":3466.365,"sentiment":"neutral","sentiment_score":-0.1345144510269165},{"text":"And, anyway, so we got we got sucked into it, so we did.","start":3466.665,"end":3470.8699,"sentiment":"negative","sentiment_score":-0.3619986199415647},{"text":"And it's been a complete disaster.","start":3472.13,"end":3474.5498,"sentiment":"negative","sentiment_score":-0.7265517810980479},{"text":"The property so it was a unit in Melbourne, and it was meant to be fully finished December last year.","start":3475.0898,"end":3482.3098,"sentiment":"neutral","sentiment_score":-0.31968031004071235}],"sentiment":"negative","sentiment_score":-0.35488101840019226,"num_words":44,"start":3464.745,"end":3482.3098},{"sentences":[{"text":"However, it's something to do with the trains, the new railway train.","start":3482.675,"end":3488.455,"sentiment":"neutral","sentiment_score":-0.03693035322551926},{"text":"Underground rail line.","start":3489.075,"end":3490.375,"sentiment":"neutral","sentiment_score":-0.02267165606220563},{"text":"Yeah.","start":3490.515,"end":3490.9949,"sentiment":"neutral","sentiment_score":-0.0019536782056093216},{"text":"So, apparently, all the permits are approved to build.","start":3490.9949,"end":3493.7349,"sentiment":"neutral","sentiment_score":-0.0108156135926644},{"text":"All the correct steps are taken before they started the build.","start":3494.7,"end":3497.18,"sentiment":"neutral","sentiment_score":-0.0018456014381213622}],"sentiment":"neutral","sentiment_score":-0.01752152842366033,"num_words":36,"start":3482.675,"end":3497.18},{"sentences":[{"text":"They've done the slab, but then, I don't know, obviously, there's some concerns, some something in relation to the underground rail, and I don't know, whether it's proximity, how close it is, or whatever it is, we get said limited information.","start":3497.18,"end":3511.855,"sentiment":"neutral","sentiment_score":-0.09921626024311636},{"text":"Long story short.","start":3512.155,"end":3513.135,"sentiment":"neutral","sentiment_score":-0.0837659016251564},{"text":"It's in court is the problem.","start":3513.5151,"end":3515.115,"sentiment":"neutral","sentiment_score":-0.23220361024141312},{"text":"So the property hasn't been built.","start":3515.115,"end":3516.955,"sentiment":"neutral","sentiment_score":-0.30718766152858734},{"text":"It's still a hole in the ground, and they're currently in the court.","start":3516.955,"end":3520.155,"sentiment":"neutral","sentiment_score":-0.308338470183886}],"sentiment":"neutral","sentiment_score":-0.1675929292442574,"num_words":69,"start":3497.18,"end":3520.155},{"sentences":[{"text":"So we have no idea when it will be built.","start":3520.155,"end":3522.45,"sentiment":"negative","sentiment_score":-0.3679885506629944},{"text":"And the problem is we put 70,000 of our super into that as a deposit.","start":3522.53,"end":3527.43,"sentiment":"negative","sentiment_score":-0.40419660607973734},{"text":"Yeah.","start":3527.81,"end":3528.31,"sentiment":"neutral","sentiment_score":-0.06367132067680359},{"text":"And we only found out the other day that it's now sitting in the So it's just sitting in a trust fund, but it doesn't own any interest, doesn't do anything in the sunset clauses until '29.","start":3529.25,"end":3539.925,"sentiment":"neutral","sentiment_score":-0.049200807823925406},{"text":"2029.","start":3540.205,"end":3541.585,"sentiment":"neutral","sentiment_score":-0.021265782415866852}],"sentiment":"neutral","sentiment_score":-0.18200314985006116,"num_words":64,"start":3520.155,"end":3541.585},{"sentences":[{"text":"Sorry.","start":3542.125,"end":3542.625,"sentiment":"neutral","sentiment_score":-0.28251126408576965},{"text":"Disaster.","start":3543.405,"end":3543.905,"sentiment":"neutral","sentiment_score":-0.29795923829078674},{"text":"So I don't know, yeah, if any if if we can speak to anyone, if you've got any good solicitors that you guys use.","start":3544.205,"end":3550.2852,"sentiment":"neutral","sentiment_score":-0.07859979965724051},{"text":"Or We don't know what to do is the problem.","start":3550.2852,"end":3553.23,"sentiment":"neutral","sentiment_score":-0.2555788330733776},{"text":"We don't know whether and, like, the problem is because the sun pet caused.","start":3553.23,"end":3555.87,"sentiment":"neutral","sentiment_score":-0.2925514898129872}],"sentiment":"neutral","sentiment_score":-0.1823674976453185,"num_words":50,"start":3542.125,"end":3555.87},{"sentences":[{"text":"I guess we sort of just have to write it out and see what happens.","start":3555.87,"end":3560.05,"sentiment":"neutral","sentiment_score":-0.2332511067390442},{"text":"I don't know.","start":3560.27,"end":3561.09,"sentiment":"neutral","sentiment_score":-0.16698682308197021},{"text":"Yep.","start":3575.565,"end":3576.065,"sentiment":"neutral","sentiment_score":0.04771850258111954},{"text":"So that's, yeah, my super.","start":3590.0798,"end":3592.3152,"sentiment":"neutral","sentiment_score":0.06165873222053051},{"text":"So it's a portion of my super.","start":3592.3152,"end":3593.835,"sentiment":"neutral","sentiment_score":0.0552883685699531}],"sentiment":"neutral","sentiment_score":-0.10505472021477838,"num_words":31,"start":3555.87,"end":3593.835},{"sentences":[{"text":"I think my super's now sitting at It's still a fair bit.","start":3593.835,"end":3598.715,"sentiment":"neutral","sentiment_score":0.006851238353798787},{"text":"It's more than me.","start":3598.715,"end":3599.855,"sentiment":"neutral","sentiment_score":-0.015571249648928642},{"text":"Like, the $1.60 or something?","start":3599.915,"end":3601.5151,"sentiment":"neutral","sentiment_score":-0.003746752766892314},{"text":"Yeah.","start":3601.5151,"end":3601.7551,"sentiment":"neutral","sentiment_score":0.008112299256026745},{"text":"Around $1.60 or $1.70.","start":3601.7551,"end":3603.695,"sentiment":"neutral","sentiment_score":0.004916552803479135}],"sentiment":"neutral","sentiment_score":0.0011144080109750996,"num_words":26,"start":3593.835,"end":3603.695},{"sentences":[{"text":"So it's not it's not that that was always super, and we're now like, oh my god.","start":3604.235,"end":3607.8198,"sentiment":"neutral","sentiment_score":-0.1380809467724141},{"text":"What have we done?","start":3607.8198,"end":3608.5398,"sentiment":"neutral","sentiment_score":-0.16637616604566574},{"text":"Yeah.","start":3608.5398,"end":3608.7,"sentiment":"neutral","sentiment_score":-0.02216365560889244},{"text":"But it's 70 thousand.","start":3608.7,"end":3610.16,"sentiment":"neutral","sentiment_score":-0.019781471230089664},{"text":"Oh, it's like it's still a lot of money.","start":3610.5398,"end":3612.3198,"sentiment":"neutral","sentiment_score":-0.10351370109452142}],"sentiment":"neutral","sentiment_score":-0.11559410313410419,"num_words":35,"start":3604.235,"end":3612.3198},{"sentences":[{"text":"Yeah.","start":3612.6199,"end":3613.1199,"sentiment":"neutral","sentiment_score":-0.08211171627044678},{"text":"It is.","start":3616.5398,"end":3617.0198,"sentiment":"neutral","sentiment_score":-0.07234346494078636},{"text":"Yeah.","start":3617.0198,"end":3617.3398,"sentiment":"neutral","sentiment_score":-0.04476100951433182},{"text":"So it's not good, but we're not losing sleep over it yet.","start":3617.3398,"end":3622.7349,"sentiment":"negative","sentiment_score":-0.3953312200804551},{"text":"Yes.","start":3643.29,"end":3643.455,"sentiment":"neutral","sentiment_score":0.14406676590442655}],"sentiment":"neutral","sentiment_score":-0.2865569135721992,"num_words":17,"start":3612.6199,"end":3643.455},{"sentences":[{"text":"Yeah.","start":3650.175,"end":3650.495,"sentiment":"neutral","sentiment_score":-0.10630828142166138},{"text":"It is.","start":3650.495,"end":3650.895,"sentiment":"neutral","sentiment_score":-0.05529225990176201},{"text":"Yeah.","start":3650.895,"end":3651.395,"sentiment":"neutral","sentiment_score":0.05718525871634483},{"text":"We did.","start":3652.975,"end":3653.635,"sentiment":"neutral","sentiment_score":0.10936737060546875},{"text":"Well, probably the the well, my thought was the property built because it it was a good property.","start":3665.71,"end":3671.17,"sentiment":"positive","sentiment_score":0.4465092867612839}],"sentiment":"positive","sentiment_score":0.3373414316835503,"num_words":24,"start":3650.175,"end":3671.17},{"sentences":[{"text":"Yeah.","start":3671.5251,"end":3671.7651,"sentiment":"neutral","sentiment_score":0.08332455158233643},{"text":"The the company that we went through that advised us to go down this track sent an email the other day, like, request we're always requesting updates, and it's unfortunately the same shit.","start":3671.7651,"end":3682.405,"sentiment":"neutral","sentiment_score":-0.20156232357928247},{"text":"No updates.","start":3682.405,"end":3682.965,"sentiment":"negative","sentiment_score":-0.3775860369205475},{"text":"But they just continue to tell us that, oh, but the property value is in the area of increase.","start":3682.965,"end":3689.79,"sentiment":"neutral","sentiment_score":-0.2434820666124946},{"text":"So, you know, your your deposit is actually an investment.","start":3689.79,"end":3692.99,"sentiment":"neutral","sentiment_score":-0.10085937529802322}],"sentiment":"neutral","sentiment_score":-0.19935626490758016,"num_words":65,"start":3671.5251,"end":3692.99},{"sentences":[{"text":"And once the property gets built, you know, the the value of the unit is gonna be worth more.","start":3692.99,"end":3697.31,"sentiment":"neutral","sentiment_score":-0.1320679011313539},{"text":"But there's a there's a massive chance, in my opinion, that the builder's gonna turn around and say, fucking building supply prices have gone up, and now we need to charge you more to build it.","start":3697.31,"end":3708.005,"sentiment":"negative","sentiment_score":-0.4958600244588322},{"text":"Apparently, they can't, though.","start":3708.005,"end":3709.365,"sentiment":"neutral","sentiment_score":-0.32189546525478363},{"text":"But the problem is too is that when we got this advice, they that like, this company was pushing properties.","start":3709.365,"end":3714.6,"sentiment":"negative","sentiment_score":-0.43976554572582244},{"text":"And so I don't know.","start":3714.82,"end":3715.78,"sentiment":"negative","sentiment_score":-0.34217728972434996}],"sentiment":"negative","sentiment_score":-0.3827860741210835,"num_words":84,"start":3692.99,"end":3715.78},{"sentences":[{"text":"Like, we didn't sit down with someone and say, oh, is it a good idea to get property in your super, or are you actually going to make more by just, like, investing in shares with you just normal super?","start":3715.78,"end":3725.4548,"sentiment":"neutral","sentiment_score":-0.13465665699914098},{"text":"So, yeah, that was a rookie error on our behalf because we just went through them for advice.","start":3726.3948,"end":3731.275,"sentiment":"neutral","sentiment_score":-0.09703641715976927},{"text":"They made it sound like fantastic, so I don't know.","start":3731.275,"end":3734.6548,"sentiment":"positive","sentiment_score":0.3599120266735554},{"text":"Yep.","start":3744.8801,"end":3745.3801,"sentiment":"neutral","sentiment_score":0.11936324089765547},{"text":"Yep.","start":3749.28,"end":3749.685,"sentiment":"neutral","sentiment_score":0.20341621339321136}],"sentiment":"neutral","sentiment_score":-0.045871743825929505,"num_words":70,"start":3715.78,"end":3749.685},{"sentences":[{"text":"Yep.","start":3770.0999,"end":3770.5999,"sentiment":"neutral","sentiment_score":0.1191522479057312},{"text":"Sounds really good.","start":3771.06,"end":3771.8599,"sentiment":"positive","sentiment_score":0.34078989426294964},{"text":"Thank you.","start":3771.8599,"end":3772.52,"sentiment":"positive","sentiment_score":0.4389335513114929},{"text":"Yep.","start":3795.97,"end":3796.47,"sentiment":"neutral","sentiment_score":0.09320303052663804},{"text":"Yep.","start":3799.25,"end":3799.57,"sentiment":"neutral","sentiment_score":0.169756218791008}],"sentiment":"neutral","sentiment_score":0.2852935353294015,"num_words":8,"start":3770.0999,"end":3799.57},{"sentences":[{"text":"Sounds really good.","start":3799.57,"end":3800.45,"sentiment":"positive","sentiment_score":0.4686781664689382},{"text":"Thank you.","start":3800.45,"end":3801.19,"sentiment":"positive","sentiment_score":0.546593576669693},{"text":"Awesome.","start":3808.905,"end":3809.405,"sentiment":"positive","sentiment_score":0.7086545825004578},{"text":"Thank you.","start":3809.465,"end":3810.0251,"sentiment":"positive","sentiment_score":0.6863925457000732},{"text":"Really appreciate it.","start":3810.0251,"end":3811.165,"sentiment":"positive","sentiment_score":0.6680139899253845}],"sentiment":"positive","sentiment_score":0.5986093905839053,"num_words":11,"start":3799.57,"end":3811.165},{"sentences":[{"text":"You too.","start":3815.865,"end":3816.345,"sentiment":"neutral","sentiment_score":0.2820013612508774},{"text":"See you later.","start":3816.345,"end":3817.005,"sentiment":"neutral","sentiment_score":0.2576607863108317},{"text":"I see it.","start":3817.005,"end":3817.9048,"sentiment":"neutral","sentiment_score":0.22652082641919455},{"text":"Bye.","start":3818.525,"end":3819.025,"sentiment":"neutral","sentiment_score":0.03243665024638176}],"sentiment":"neutral","sentiment_score":0.22766491232646835,"num_words":9,"start":3815.865,"end":3819.025}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Laura speaking.\n\nChannel 0: Hi, Laura. This is Dana from Okie Financial. How are you this afternoon?\n\nChannel 1: Good. How are you?\n\nChannel 0: I'm very well. Thank you. I had you put in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: It is. Yes. Thank you.\n\nChannel 0: Fantastic. Laura, just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: Yep. That's fine.\n\nChannel 0: Fantastic. And, also, just for the security there with you, I'd just like you to confirm your full name, your date of birth, and address I should have on\n\nChannel 1: Yeah. So it's Laura\n\nChannel 0: file\n\nChannel 1: Jane at Britain, thirty first of first nineteen\n\nChannel 0: as\n\nChannel 1: 90, And 6 Blue Water\n\nChannel 0: well.\n\nChannel 1: Road, Veral, Queensland.\n\nChannel 0: Fantastic. And how's your day being so far?\n\nChannel 1: Not too bad,\n\nChannel 0: Oh,\n\nChannel 1: actually. How's yours?\n\nChannel 0: yeah. Good. Busy, but that's why we like it. Getting\n\nChannel 1: Yeah. Exactly.\n\nChannel 0: close to the weekend. All good, Laura. As part of the annual review, just to sort of check-in, is there anything particular you wanted to sort of touch base on or any questions that you might have that you\n\nChannel 1: Yep.\n\nChannel 0: wanted me to sort of go through with you this this afternoon?\n\nChannel 1: Yeah. So we did write down a couple of questions.\n\nChannel 0: Yeah. Absolutely. Go for it.\n\nChannel 1: So what so currently, we go through a company that we so just a bit of background. We've got four investment properties.\n\nChannel 0: Yes.\n\nChannel 1: And two of those, we went through an adviser to set up,\n\nChannel 0: Right.\n\nChannel 1: and they then\n\nChannel 0: Yeah.\n\nChannel 1: recommended, like, a tax agent to do our tax returns through. But we're not happy with them. So we were wanting to know, does Oakley do tax returns or no?\n\nChannel 0: No. So we don't because we're financial advisers. We're not tax accountants.\n\nChannel 1: Yep.\n\nChannel 0: We could. However, if you like, I could find out I believe we do have an account that we could refer you through to. So I can get that information and send it to you if you like after the call, and you're welcome\n\nChannel 1: Yep.\n\nChannel 0: to touch base with them and decide whether you're comfortable proceeding with them at all. It is completely separate from us. It's just someone we know that we tend to like that do really well and look after our clients quite well. So we can provide that information to you for you to have a bit of a look at if you would like.\n\nChannel 1: Yeah. That would be perfect, please.\n\nChannel 0: Yeah. Not a problem.\n\nChannel 1: Yeah. Because with that as well, we've also got a self managed super fund, and\n\nChannel 0: Yes.\n\nChannel 1: it's the same company who's doing the tax returns for that. So, obviously, we wanna\n\nChannel 0: Right.\n\nChannel 1: get both done through someone else, so just so we're happy with what they're offering us. So that\n\nChannel 0: Yes.\n\nChannel 1: would be perfect.\n\nChannel 0: Absolutely. Not a problem at all. I'll get that email straight after the call for you. He's done.\n\nChannel 1: Awesome. Thank you. So\n\nChannel 0: No worries.\n\nChannel 1: another question that we have is\n\nChannel 0: Yes.\n\nChannel 1: at the moment with our properties, we've got it set up. So we've got one that's fully offset.\n\nChannel 0: Yes.\n\nChannel 1: And I think now we only owe about maybe $40 on it.\n\nChannel 0: Okay.\n\nChannel 1: And then we've got the two of them. Like, so what we're trying to do at the moment is reduce debt because, obviously, we don't feel comfortable buying we're not we don't feel comfortable. I don't know the best way to describe it. But we've decided\n\nChannel 0: Yeah.\n\nChannel 1: not to buy anymore at the moment, and we're trying to reduce debt.\n\nChannel 0: Yep.\n\nChannel 1: And so we've got one that's, yeah, completely fully offset, and we're trying to with our pay, what we're doing each week is yes. With a 44 owing on it, is quickly I pay that one off so that it'll be sitting at zero. We've got another one that we only have, I think, 75,000 left on,\n\nChannel 0: Yep.\n\nChannel 1: and so, obviously, trying to pay those two down as well. We've got the other two set up that they're interest only.\n\nChannel 0: Yes.\n\nChannel 1: And so I think that's locked into five years, and then we'll start\n\nChannel 0: Yep.\n\nChannel 1: obviously, once we got these two paid off, we're, like, technically, sitting at zero, we would then start putting money into the offset of one of those other properties.\n\nChannel 0: Yep.\n\nChannel 1: I suppose the question is, does that sound like that's a good idea?\n\nChannel 0: Yeah. No. Honestly, because it sounds like the other two properties that you're paying down faster are principal and interest. Is that right?\n\nChannel 1: Yeah. So one of them is so the one that's only got\n\nChannel 0: Yep.\n\nChannel 1: 44 left on it is. The one that's got about 75 left on it is just interest at the moment, interest only.\n\nChannel 0: Yep.\n\nChannel 1: Sorry. I've got my husband sitting beside me. He's about to\n\nChannel 0: That's\n\nChannel 1: butt in. How\n\nChannel 0: fine.\n\nChannel 1: are you going?\n\nChannel 0: Oh, yes. Not a problem at all.\n\nChannel 1: What were you gonna say, Chris? Yeah. So the other one's interest only, but the reason it's almost paid off is because it's almost a 100% offset. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Sorry.\n\nChannel 0: No. That's okay. No. That's absolutely fine. And so these two loans that you're paying down, you're utilizing the offsets to pay them down, or are you paying the money onto the loan fully and reducing the actual loan?\n\nChannel 1: So for the one that's gonna got 44 oving, we're paying that onto\n\nChannel 0: Mhmm.\n\nChannel 1: the loan\n\nChannel 0: Yep.\n\nChannel 1: so that we get the loan fully down. So the one that's got 75 left $75 left until it's fully offset, that's\n\nChannel 0: Yep.\n\nChannel 1: getting\n\nChannel 0: Yep.\n\nChannel 1: paid into the offset account.\n\nChannel 0: Okay.\n\nChannel 1: So,\n\nChannel 0: No worries\n\nChannel 1: yeah,\n\nChannel 0: at all.\n\nChannel 1: the idea behind\n\nChannel 0: Yep.\n\nChannel 1: that the reason our broker told us to do that is so that we've got that cash sitting there in case we\n\nChannel 0: Yes.\n\nChannel 1: need it.\n\nChannel 0: That's right. Yeah. Because putting it into the loan and reducing it and closing the loan off means that you would have to go back through servicing. Whereas just putting in the offset account, you still have the loan physically open. You don't then have to go through new servicing to be able to reuse that money if you did find something else you wanted to put that towards.\n\nWith the two loans that you're paying down at the moment, you've mentioned the other two that well, the other property that you then wanna pay down is interest only, and it's on a fixed term. Is that right?\n\nChannel 1: Yes. I think so. Yeah.\n\nChannel 0: Yep. And these two you're paying down the ones that you're paying down at the moment, they're both on variable rates. Is that right?\n\nChannel 1: This is a good question. I'm not sure if So the one of the main file one's variable because it's principal and interest. The other ones are just\n\nChannel 0: Yep.\n\nChannel 1: interest only.\n\nChannel 0: Okay. So you can have interest only on a variable rate or a fixed rate. But if you're paying the loans down faster and it's actually affecting the interest, you're probably gonna be on a variable rate\n\nChannel 1: Yeah.\n\nChannel 0: because\n\nChannel 1: The\n\nChannel 0: realistically\n\nChannel 1: Yeah. Yes.\n\nChannel 0: yeah. Because fixed loans, you can't sort of pay down. They have a limit on how much extra payments you can make on a regular basis. You are definitely doing it the right way. Continue doing it the the way that you are.\n\nEssentially, by utilizing the offset, you are keeping the loan open. You don't have to go back to servicing if something happens, if you need to, or find a way to use that money again. When you get the loan paid down and fully offset, if you then decide to close the loan, you absolutely can do so. But what you can also be doing is once you get that loan fully paid down and fully offset, you can continue to put money into the offset and build that up even more so that when those other loans come off, the interest only terms and all their fixed terms, you can then put a large chunk of money over into those additional loans if you want to as well. So you are doing it the right way.\n\nI would continue doing it the exact way you are. You\n\nChannel 1: Okay. Perfect.\n\nChannel 0: seem to be putting a lot of extra money in on a regular basis and offsetting those loans as much as possible. So your broker had the right idea, in my opinion, of of doing it this this way. Yeah.\n\nChannel 1: Okay. Perfect. I was just thinking\n\nChannel 0: Yeah.\n\nChannel 1: too, just before you rang, I was just thinking the the one that we've only got 44 left owing on it, we've got 44 plus, but it's fully offset at the moment.\n\nChannel 0: Yeah.\n\nChannel 1: But as I said, we're paying that into the actual mortgage now each fortnight when our pay comes through. But\n\nChannel 0: Yeah.\n\nChannel 1: because that's principal and interest, is there any benefit of having that 44 sitting in that loan? Is that reducing the interest payments? It still isn't it? Yeah.\n\nChannel 0: Well, either way, so as long as that that offset account is fully offsetting or is a 100% offsetting a loan, it doesn't really matter where it's sitting. If it's sitting on the loan, it reduces the actual loan amount that you have owing. If you have it sitting in the offset account, the loan amount still says exactly what you have owing, but you are still offsetting the interest. So\n\nChannel 1: Yeah. Okay.\n\nChannel 0: it the\n\nChannel 1: Yep.\n\nChannel 0: offset account does the exact same thing. It's more just the rate your ability that sort of allows you more flexibility with that. So if you use the offset account as much as possible, you can take that money back whenever you need to, whereas putting it on the loan reduces the loan amount, but then you have to kinda redraw off if you want that money back again. But both of them will offset the interest as long as the offset\n\nChannel 1: Yeah.\n\nChannel 0: account set up correctly. Yeah.\n\nChannel 1: Yeah. No. That's okay. Because I was just thinking in my head, I was like, oh, what's the point of having that money sitting in the offset? We might as well put it in the other property offset.\n\nBut if it's still\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: offsetting the interest, then we'll leave it as it is, how that's going. But that sounds yes.\n\nChannel 0: Yeah.\n\nChannel 1: So that sounds like that's fine. So another question sorry. We had five questions. So\n\nChannel 0: You're\n\nChannel 1: the next\n\nChannel 0: alright.\n\nChannel 1: question\n\nChannel 0: You're fine.\n\nChannel 1: sorry. We have both earned, like, quite a fair bit of money this year because we've been long story short, we're on a project where we're working very long hours.\n\nChannel 0: Yes.\n\nChannel 1: And so we're wanting to know, do you think it's advisable to put money into our super to reduce our income? I think it's the easiest way to describe it. You\n\nChannel 0: Yeah.\n\nChannel 1: know how you\n\nChannel 0: So\n\nChannel 1: can do\n\nChannel 0: you're on\n\nChannel 1: the\n\nChannel 0: yeah. You make a deductible contribution?\n\nChannel 1: yeah. Yeah.\n\nChannel 0: Yeah. So you absolutely could. You've got one of two ways of doing it. So depending on what your overall tax outlook is looking like and this is not probably something to also talk to your accountant about. But, realistically, if your if your income is really high and you have additional cap space, making a deductible contribution is great because that does offset, say, you put 10,000 into your super fund, you can then take that 10,000 back and claim that as a tax deduction, which reduces your how your overall, you know, total gross income, accessible income, essentially,\n\nChannel 1: Yeah.\n\nChannel 0: which works out really, really well. It just depends on how much you're wanting to put into your super as well. Do you know because I'm just having a look. So for yourself there, Laura, your super is the balance at the moment is $118,007.01 8. So you are eligible to use any catch up space.\n\nWhat you\n\nChannel 1: Yep.\n\nChannel 0: could do if you would like is you could have a look at your if you can get into your myGov account and find out what your catch up contributions are. We can have a you can find out what you've got accessible from the last five financial years that that haven't been used from the cap space, essentially. So if your employer hasn't been putting in the full 30,000 this year or last financial year or the $27.05 from previous financial years, you should have a little bit of extra cap space there. If you check your myGov account, and if you like, I can send you an email after the call which directs you how to find that information, you can see\n\nChannel 1: Yep.\n\nChannel 0: what cap space you have left for this financial year, but then also the previous five financial years. And, essentially, And, essentially, because your balance is under 500,000, you could be making a larger contribution in the super depending on what you're comfortable with to provide you with a bit of a tax deduction. Are you comfortable with me after the call emailing that information through and getting you to have a quick look at your myGov and giving me that to kinda help you\n\nChannel 1: Yep.\n\nChannel 0: along with what you've got available?\n\nChannel 1: Yeah. If you could, that would be really good, please.\n\nChannel 0: Yeah. Fantastic. Not a problem\n\nChannel 1: So\n\nChannel 0: at\n\nChannel 1: with\n\nChannel 0: all. Do\n\nChannel 1: doing\n\nChannel 0: you have\n\nChannel 1: that\n\nChannel 0: a set of sorry. You're right.\n\nChannel 1: sorry. I was just gonna say, with doing that, is there any, like, downsides to doing that? I suppose there goes that money and you can't touch it until you can access this Subaru. Is that the only downside?\n\nChannel 0: Yeah.\n\nChannel 1: Until you can access this Subaru. Is that the only downside?\n\nChannel 0: That that fixed that. Not necessarily. There are a couple of things to sorta consider. So, obviously, the money is coming out of your cash flow and going into super, so you can't access that until you meet a a condition of release. The other side is it is a lump sum that gets invested at one particular time.\n\nSo if you put 10 or 20,000 into super, as soon as that hits the cash account, that money is invested with the rest of your portfolio. So it's not put in like dollar cost averaging, which means a large lump sum gets invested. Depending on market conditions, they could provide a hindrance to your return in the next year. It could provide a benefit. If the market's up, you know, you might buy less units of the investments that you're in.\n\nIf the market is down, you might you might buy more. It's more just about making sure that you're comfortable with whatever comes of that and making sure you're aware that you can't then take that money out if you don't if you do need it in the future. So not putting\n\nChannel 1: Yep.\n\nChannel 0: in anything more than you're comfortable with. Does that make sense?\n\nChannel 1: Yeah. That does. Yep. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: So the benefit of, like, with your employer contributions, they go in their dollar cost average in a regular basis. So you take advantage of the ups and downs that the market does see. And because moving forward, we're about to go into the phase where the employer contributions in line with your income payments, it means that if you get paid weekly or fortnight, your employer contributions are gonna have to go in that way as well. So you're actually gonna see a bit more proper dollar cost averaging. So it means that on a week where the market is down, your super contributions might go in and you'll buy more units of the investment in a mark in a point where the market is up and the cost of those investments is a little bit higher, the same money goes in and buys a little less units.\n\nSo you take advantage of the down times, but your employer contributions also keep going and giving you proper dollar cost averaging. So putting a larger lump sum in at one particular time means that that goes in and is automatically purchased purchased into whatever the market is doing at that particular time. We don't ever try to time the market, mostly because people who time the market tend to miss out. So our philosophy\n\nChannel 1: Yes.\n\nChannel 0: is to just to buy into the market no matter what it's doing and keep buying into the market to make take a benefit of whatever the conditions are providing. It's it you tend to provide or get a better rate of return by participating in the market rather than trying to time the market. Most people at time, if they missed out by one or two days over the length of five or ten years, it could be a couple of thousand dollars they've missed out on. So, yeah, as long as you're comfortable with that. If you like, I can have a look at what your catch up contributions are and give you a bit of a breakdown of, you know, what you can put in.\n\nChannel 1: Yep.\n\nChannel 0: Did you want more just general advice on what is available to you and allow you to make that decision yourself, or you're wanting us to kind of provide more personalized advice on making the contribution and the long term effect of that?\n\nChannel 1: Yeah. Probably that. Because like our look at our our final question we're we're going to ask is\n\nChannel 0: Yep.\n\nChannel 1: we wanna start so, obviously, we've got the four investment properties, but we\n\nChannel 0: Yes.\n\nChannel 1: want to What is the, yeah, what is the best way? Like, whether we need to sit down and have a actual meeting on structuring everything the best way possible, like, to take advantage of our investment properties, whether we buy shares. Is it better money sitting in offset accounts? Are we better taking the money out of the offset and buying shares and then having\n\nChannel 0: Mhmm.\n\nChannel 1: tax deductions from having the loan on the investment properties? Like, really, we don't know. So Yeah. So because\n\nChannel 0: Yeah.\n\nChannel 1: what\n\nChannel 0: Yeah.\n\nChannel 1: I was gonna say, look, I like the idea of diversifying.\n\nChannel 0: Yes.\n\nChannel 1: And so what what is best for us to do?\n\nChannel 0: Yeah. So it really just depends upon what your goals are, if you like, what we could do. Because I believe, Laura, you're you're a client of ours at the moment,\n\nChannel 1: Yes.\n\nChannel 0: but you're the only one your partner's not a client of ours at the moment. So, Christopher, I do apologize. You're not actually on board as a client at the moment. Is that right?\n\nChannel 1: That's correct. Yeah. A lesson\n\nChannel 0: Yeah.\n\nChannel 1: convinced\n\nChannel 0: So\n\nChannel 1: me.\n\nChannel 0: so, no, what we could definitely do and then it really depends on what your long term goals are, when you're wanting to access your funds, whether you're comfortable investing in your own name in the market, you know, how long you're wanting to invest for. There's a lot of different factors that go into what we do recommend. If you're wanting to utilize money in the offset account, we would need to look at what the loan looks like versus investing that money and looking at the outcome to see whether it's more beneficial keeping it on the loan or whether you're better off investing it. Diversifying is a great way, but you also gotta see a counter in the returns. The markets are very volatile.\n\nAnd when you're taking money out of your home loan and investing that in the market, your home loan, you might be paying, you know, six or 7% on that. You wanna make sure that you're getting a higher rate of return, and that's definitely not guaranteed every year. So when you think about putting money into your offset account or onto your home loan, you're saving that interest. So you're saving about a six or seven or 8% return depending on what your interest rate is, which is a guaranteed rate of return because you're saving that. Whereas putting\n\nChannel 1: Yep.\n\nChannel 0: money into the market is absolutely fine. It's a great idea if you've got a longer time horizon, happy to invest for the ten or twenty years. But if you're only wanting to do it for the next sort of five to five odd years, it might not be a good option because you risk putting that money into the market, having a bit of a downturn, or taking that money off the loan, increasing how much you're gonna be paying in the way of repayments or interest on the loan and putting that into the market where you might only get a one or two or 3% return, in which case the return in the investment doesn't really make sense considering the return you would have made or the guaranteed return you would have made by putting the money in the offset and saving on that interest. Does that make sense?\n\nChannel 1: It does. Yeah. Yeah. That's a really\n\nChannel 0: Yeah.\n\nChannel 1: good point. Because\n\nChannel 0: Yeah.\n\nChannel 1: our problem\n\nChannel 0: So\n\nChannel 1: also\n\nChannel 0: yeah.\n\nChannel 1: is the fact\n\nChannel 0: Yeah.\n\nChannel 1: that so we've got four investment properties, but the work that we do at the moment so we haven't actually lived, I suppose, in a house for the last nearly six years now. So we actually live in a Caribbean and travel Australia for work.\n\nChannel 0: Right.\n\nChannel 1: So, like, we've so, you know, like, we've got four houses, but we don't actually\n\nChannel 0: Yeah.\n\nChannel 1: have somewhere that we live. And so our goal is to retire as early as\n\nChannel 0: Yes.\n\nChannel 1: possible. We have the age 50 in mind, but we would and also so, like, we're trying to obviously earn as much money as possible and put investments in place to be able to retire early, but we would also have to consider that at some stage, we do need to buy a house to actually live in as well.\n\nChannel 0: Yeah. Yep. Absolutely. So are you planning on keeping all three of those investment properties and paying them off and keeping all three of them as the income producer, or was your plan to maybe let them grow in value, sell one off, and pay the rest of the loans, live debt free from the others being rented out? What was your kind of plan originally with those investment properties?\n\nChannel 1: So I suppose our idea to start with so because we when we're at work, we our accommodation gets paid for. Sometimes our food gets paid for. So our bills when we're at work are very minimal.\n\nChannel 0: Yeah.\n\nChannel 1: So, like, for example, we've been at our current job site for the last eight months, and we have had no bills. So we\n\nChannel 0: Yeah.\n\nChannel 1: when we're at work, we're able to save a lot of money.\n\nChannel 0: Mhmm.\n\nChannel 1: And so pretty much, we just had money that we weren't doing anything\n\nChannel 0: Yep.\n\nChannel 1: with, and we were like, okay. We wanna invest. What are we gonna do? Property. And so then that's why we just started buying properties because we could afford to.\n\nChannel 0: Mhmm.\n\nChannel 1: And so we didn't then have sort of, like, a long term, okay. This is what our plan\n\nChannel 0: Yeah.\n\nChannel 1: is. Because at the same time, we don't know like, you know, like a like a typical person. You know? They live in a town. They do their job.\n\nThey have their home. They're paying off the mortgage. Our life\n\nChannel 0: Yeah.\n\nChannel 1: isn't normal,\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: suppose, is a good way to describe it.\n\nChannel 0: Yeah.\n\nChannel 1: So we\n\nChannel 0: Mhmm.\n\nChannel 1: don't know because we don't know, like, say, if something was like, you know, where do you see yourself in five years? We don't know at this stage.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. It's really hard to say, So I don't know how\n\nChannel 0: Yeah.\n\nChannel 1: to answer that question.\n\nChannel 0: No. That's okay. And it is definitely something to maybe consider and have a think about, especially when we are looking at and maybe investing in your name outside of super in the in, you know, outside of property there. If you are looking at putting money into the share market and building a a portfolio very similar to your super. Looking at where you maybe wanna be in the next five years, do you want to still be doing this, or do you wanna have purchased a property?\n\nBecause realistically, moving forward, there's one of two ways that you can do it. If you continue continue to pay down all three of these investment properties as you are, as you pay them all off, they become positively geared. You can still rent them out and, you know, provide income, which will allow you to retire earlier. Alternatively,\n\nChannel 1: Mhmm.\n\nChannel 0: what some people do is they also just let the one of the properties, the most valuable one possibly depending on the CGT consequences, sell one of those properties, use the proceeds to pay off any additional loans still on the other properties. That then leaves you completely debt free and allowing you to, you know, receive income from those. It does leave you one property down. Sometimes, it's a bit of extra money. It really just depends on what it is that you're after.\n\nBut it also comes down to where you wanna live well. Do you want to is there somewhere in particular that you wanna buy to live? Did you maybe wanna live in one of these properties and buy something else down the track as an investment property? There's quite a few things to kind of think about goal wise to work\n\nChannel 1: Yeah.\n\nChannel 0: out which way that you go or, you know, which strategy is gonna work better for you.\n\nChannel 1: Yeah. It's hard to know. Chris,\n\nChannel 0: So\n\nChannel 1: do you\n\nChannel 0: many\n\nChannel 1: have\n\nChannel 0: questions.\n\nChannel 1: need we don't know. Yeah. No. We don't know\n\nChannel 0: Yeah.\n\nChannel 1: where we we don't know where we wanna live. I would say it's highly unlikely that we would live in one of these properties.\n\nChannel 0: Yep.\n\nChannel 1: So we'd potentially, yeah, probably sell one or two to then purchase the house we do wanna live in and then maybe keep two and own them outright as an\n\nChannel 0: Yep.\n\nChannel 1: income,\n\nChannel 0: Yep.\n\nChannel 1: maybe. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, the the real goal is to retire, like, as as soon as possible.\n\nChannel 0: Yeah.\n\nChannel 1: The job that we do is, yeah, extremely difficult. We do massive hours, like, seventy plus hours a week, and we've been doing it\n\nChannel 0: Yeah.\n\nChannel 1: for years now, and we're absolutely burned out. And,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, trying to do everything we can at the moment\n\nChannel 0: Yeah.\n\nChannel 1: to set ourself up the best we possibly\n\nChannel 0: Yeah.\n\nChannel 1: can to to get the money working for us as\n\nChannel 0: Yeah.\n\nChannel 1: as much as we can so that we can work with.\n\nChannel 0: Absolutely. No. That's okay. That's not a problem at all. Well, it's definitely something to sort of have a think about, look at what your goals are, what you wanna achieve, you know, what your time horizon might look like.\n\nIt'd definitely be worth coming back and really having a good look at all the properties in detail, looking at what your goals are and how we maybe structure, you know, things in the future to help you meet that goal, and we can absolutely provide advice on that. Yeah. It comes down to when and when, you know, you when you've got an idea of what it is that you were sort of wanting to achieve, when you might wanna consider retiring. I know here it sort of mentioned around about 50 to 55 last time.\n\nChannel 1: What?\n\nChannel 0: Yeah.\n\nChannel 1: It's\n\nChannel 0: I\n\nChannel 1: flat\n\nChannel 0: had\n\nChannel 1: remote.\n\nChannel 0: down here that you're sort of thinking 50.\n\nChannel 1: Yeah. 40\n\nChannel 0: Yeah.\n\nChannel 1: five. That's just so ridiculous.\n\nChannel 0: 45. I mean, if we weren't LOTA, we'd all be out tomorrow. Right?\n\nChannel 1: Exactly. At least be in a position where you've got the option to to retire\n\nChannel 0: Yeah.\n\nChannel 1: or\n\nChannel 0: Yeah.\n\nChannel 1: even part time. Like, it doesn't mean that you never work again if you've got enough money to retire and then still wanna do a part time job or\n\nChannel 0: Yeah.\n\nChannel 1: even volunteer\n\nChannel 0: Absolutely.\n\nChannel 1: work or whatever.\n\nChannel 0: Yeah. No. Absolutely. Completely understandable. But, no, look, that is definitely advice we can look at down the track for you.\n\nIf you just sort of work out what your goal age might be, what you're looking to do, I'd love to come back and have more of a conversation with you guys around that to sort of work out whether, you know, you invest outside of super or whether you just keep paying down those properties. But just a couple of things for you to kind of think about and consider and, you know, decide what you wanted to what you're thinking you might what your goal might be down the track. Does that make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. All good. So for the time being, Laura, you're wanting me to just do some personal advice on making an additional contribution to Super?\n\nChannel 1: Yeah. Yeah. Advice on that. And then, obviously, yeah, the main thing I was thinking, because I know last time I had this meeting last year, the person\n\nChannel 0: Yeah.\n\nChannel 1: that I spoke to said about looking to investing in shares.\n\nChannel 0: Yep.\n\nChannel 1: And so that's what we were thinking now for this time because I just we got the properties and then\n\nChannel 0: Yep.\n\nChannel 1: look at what other ways we can do it. But, yeah, like you said, if it is better just to put that money into the offset instead of into shares, that's probably something that we need to work out first before just\n\nChannel 0: Yeah.\n\nChannel 1: going and buying shares.\n\nChannel 0: Yep.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. The biggest the biggest risk with that is that if you do put money into the market in your own name and then you decide, hey. This isn't right for me or you see a really big dip, you then if you decide to take that money out, you are cementing that loss and taking the money back out, whereas it could have been more beneficial on your mortgage. So, yeah, I would just wanna be able to have a look at what your mortgages look like, look at the interest rates, but also assess what your goals are when you're wanting to access these funds. Because if you're willing to put the money into a into the share market and maybe be in a more of a higher risk environment, that's great for getting greater returns long term, but we'd also want you to be invested.\n\nLike, the high growth portfolio you're super currently in, we have a time horizon that we would want you to be invested for about eight years prior to accessing any of that money, and that's because you are taking more risk in the market. As your balance increases, the returns increase, but it also means that you're opening yourself up to more of a downtime. And by taking more risk, you feel the downtime more aggressively, but it can take longer for your portfolio to recover there as well. So that is one risk that we do kind of like to open up to. But I don't\n\nChannel 1: Yes.\n\nChannel 0: want this to, you know, freak you out and be like, hey. I don't ever wanna invest in shares. It's a great way to build wealth so long as you've got the time horizon ahead of you, so long as you're willing to invest for a time that's long enough to allow your portfolio to do something to recover, knowing what the risks are in the shorter term, but also making sure you're comfortable. So taking that money off the mortgage or not putting it in the mortgage, and possibly some years, you will see a lower a lower rate of return. So, you know, like your interest your home loan interest rate probably doesn't go down very often.\n\nWe see\n\nChannel 1: Yes.\n\nChannel 0: it go up more than anything.\n\nChannel 1: Yep.\n\nChannel 0: The share market has a kind of an an opposite effect to that. So when we do see higher inflation rates and where we do see our mortgages increasing, you know, the RBA puts the interest rate up because we're spending a lot more. There's more money around than what they would like us to have. We do essentially see share markets take a bit of a dip in those sorts of times, which means your return, some years, will be only one, two, or 3%. Some years, you could see a 15 or a 20% return.\n\nReturns are very much fluctuating. We diversify portfolios and make sure we're building them to try and mitigate as much risk as possible, but we can't mitigate a 100% of market risk. So it's just about confirming and working out whether putting the money on the mortgage is better for your goals or whether putting it into a share portfolio. So we just wanna know a bit more about what your goals are, what your time horizon is, what you're kind of wanting to achieve, the income that you think you're gonna need in retire or when you retire at 50 or 45 or whatever that agency or both, and then look at what your interest rates are, what you're putting on the mortgage. Is it better on the mortgage or in an investment portfolio?\n\nWe project that out to see what that might look like and how long that kinda takes to to work for you and if it's gonna be better either way. So it is a pretty big advice piece. It would\n\nChannel 1: Yes.\n\nChannel 0: definitely need to incorporate both of you for that, and it is something that, you know, in when you've kinda had an idea and had a bit of a chat at what is it you both wanna achieve, we can come back and definitely revisit for you. Does that\n\nChannel 1: Yep.\n\nChannel 0: sound okay? Yeah.\n\nChannel 1: Yep. That sounds good. Because the other\n\nChannel 0: Yeah.\n\nChannel 1: problem is too at the moment when you but how for our situation to try and work out how much we would need to retire on, it's very\n\nChannel 0: Mhmm.\n\nChannel 1: difficult because we of it. Like I said, when we're at work, we don't have any expenses really.\n\nChannel 0: Yeah.\n\nChannel 1: So we can't really sit down and go, okay. This is what our current expenses are. Then you put,\n\nChannel 0: Yep.\n\nChannel 1: you know, work in the inflation\n\nChannel 0: Yep.\n\nChannel 1: cost because ours is not correct. Yeah. So to be able to try work that out, no idea how to calculate that.\n\nChannel 0: A bit tough. Yeah. You sorta just wanna work out whether I would honestly just be working out average cost. So if you didn't have if if things weren't sort of covered for for you, how much do you think you would need? Do you think I mean, the average person, honestly, needs to live on between between sort of five to a thousand dollars on a weekly basis to cover the cost of everything.\n\nBut then also factoring in, will you have a mortgage to account for or will you not? So do you think you're gonna be able to buy the house free and clear, or do you think you're gonna have a mortgage on that main primary residence at the same time? And what would that mortgage maybe look like?\n\nChannel 1: Yep. So, yeah, we would not retire until we had our where we were living paid off.\n\nChannel 0: Fully paid off. Yeah.\n\nChannel 1: Yeah. Yep. So that would be our plan there.\n\nChannel 0: Yeah.\n\nChannel 1: How much did you say the average person needs to live off?\n\nChannel 0: Between about 500 to $1,000 on a weekly basis depending on whether they're debt free or not.\n\nChannel 1: Yeah. Okay. Yeah. At least we sort of got that idea\n\nChannel 0: Yeah.\n\nChannel 1: then.\n\nChannel 0: Yeah.\n\nChannel 1: Because we would be looking, like, we I'd say too, like, we're we are tired asses, but we would want to have the opportunity not to be. So we would probably\n\nChannel 0: Yes.\n\nChannel 1: be looking more towards that 1,000 a week\n\nChannel 0: Yeah.\n\nChannel 1: so that we'd have money sitting there. So if we did wanna go splurge on something, we can. Or if, you know, we\n\nChannel 0: Yeah.\n\nChannel 1: wanna do an overseas holiday every year, we can. It's gonna be more than that.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah. So So what are the next next steps then?\n\nChannel 0: So to start with, just I can do the advice now for you for the contribution because that is quite time sensitive. We do\n\nChannel 1: Yep.\n\nChannel 0: need to get that in before the end of the financial year for you. So that's more of a time sensitive advice piece. What I'll need to do is after the call, I'll go back and just generate a bit of an email with what we're going to need to be able to gather to be able to look at the advice piece for you and do the research.\n\nChannel 1: Yep.\n\nChannel 0: If you can kinda gather all the bits and pieces together, then we can come back and I can do a bit of research here. It is a quite a larger plan, so we'll take a bit of time to do the research there for you. If we do look at investing in your own personal name and building a sort of a portfolio, just so you are aware, we do charge an ongoing fee for the management of that portfolio. So very much the same as your super. It's 1.65%.\n\nThat's essentially capped currently at balance of a 100 of 600,000. Sorry. And it's the the 1.65% is a yearly percentage fee for our services and monitoring ongoing. This fee is deducted out of the investment portfolio each month in smaller increments, and the idea of a percentage based fee is that it does market is doing really well, it does mean that our fee is gonna be higher. However, when the market is taking a bit of a dip, it does mean that our fee is gonna be lower as well.\n\nSo percentage based fee does fluctuate with whatever the market is doing, which is really good and benefits you. But just so you're fully aware, but I can outline that in the email for you as well. Does that sound okay?\n\nChannel 1: Yep. Perfect.\n\nChannel 0: Yeah. Beautiful. If you like, what I could also do is I can add a little budget plan in there for you. It's a little tool that we do like to use where you can kinda go through and have a think about what you might spend on certain things to kinda give you an idea of what your regular weekly expenditure might be or what kinda income you might need to account for. Does that sound like something you'd be open to doing as well?\n\nChannel 1: Yeah. Definitely open to doing.\n\nChannel 0: Yep.\n\nChannel 1: I just think we are so out of touch with what stuff cost. But, like, we've been doing this for six years now, so we haven't, like, we haven't had an electricity bill in six years. We haven't had electricity bill in six\n\nChannel 0: Yeah.\n\nChannel 1: years. We haven't had a water bill in\n\nChannel 0: Yeah.\n\nChannel 1: six years. Like, we haven't had to like, and we don't like, at the moment, we're living in a, like, a mine site\n\nChannel 0: Yep.\n\nChannel 1: camp style. So we haven't had\n\nChannel 0: Yep.\n\nChannel 1: to buy food for the last year. We just got no idea how much stuff actually cost. We've only just gone on to a roster with work,\n\nChannel 0: Yeah.\n\nChannel 1: but we're actually off this week and just going to the shops and going food shopping. We're just blown away with how much that cost. So\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: yeah. We're just\n\nChannel 0: A bit\n\nChannel 1: yeah.\n\nChannel 0: tough.\n\nChannel 1: Yeah. I would have to like still do the Google research to see what the average cost of stuff is.\n\nChannel 0: Yeah. No. That's okay. Well, if you like, I'll drop it'll be a nice big email for you both. It'll outline, obviously, the fee structure of investing outside super, what we'll need to correlate to be able to do the research for you on all of these aspects.\n\nWhat we can do, if you're comfortable, you can send me all the information. I can do a bit of research around what that looks like and what we might be you know, the outcome might be, a bit of projecting. And then we can come back in the new financial year and have another joint conversation with you guys and just, you know, have a talk about what your goals are, what the research has been able to look at, really look at the risk profile in detail, and then come up with a plan moving forward. Does that sound okay?\n\nChannel 1: Yep. That sounds good.\n\nChannel 0: Yeah. Perfect. Does that sound alright with you, Christopher? You? All good?\n\nChannel 1: Yeah. Yeah. That sounds good.\n\nChannel 0: Yeah. Beautiful. All good. Just double checking. Christopher, do you prefer Chris or Christopher?\n\nI don't, you know, like to double check\n\nChannel 1: Yeah.\n\nChannel 0: that. Sorry.\n\nChannel 1: No. Yeah. Chris Chris is good.\n\nChannel 0: Chris is good? All good. Perfect. Perfect. No problem at all.\n\nBut\n\nChannel 1: Thanks.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: while we are kinda talking about the properties here, I do have the properties noted from the last year. I just want to double check which property is valued at which and what loan is on which. Now you said one property has a a loan value owing of 44,000. I only have with the properties noted here, I've got one that is a Harvey Bay property, which is investment property one. I have a\n\nChannel 1: Yep.\n\nChannel 0: second investment property and a third one, which you purchased last year. Which one of those would be the 44,000 owing?\n\nChannel 1: So that would be the one number one that says Harvey Bay.\n\nChannel 0: Yep. Perfect. So loan value on that one sitting at 44,000, and\n\nChannel 1: Yeah.\n\nChannel 0: that's fully\n\nChannel 1: 44\n\nChannel 0: offset.\n\nChannel 1: and a half. Yep.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Then so we've actually got four now. So we must have purchased another one since then. So did you want\n\nChannel 0: That's\n\nChannel 1: the\n\nChannel 0: okay.\n\nChannel 1: amount for all of them or what?\n\nChannel 0: Yeah. Just to update all the all the sec all the details here. So the second investment property, I don't have any kind of note of where it's located, but I had an asset value of 650,000 on that one, and it had a debt of 350,000 last year.\n\nChannel 1: Yeah. Okay. So that would be this this property is just outside of Harvey Bay.\n\nChannel 0: Okay.\n\nChannel 1: So it's still a suburb of Harvey Bay.\n\nChannel 0: Yep.\n\nChannel 1: But so it is got $4.50 owing, but\n\nChannel 0: Yep.\n\nChannel 1: it's got 375 in the offset.\n\nChannel 0: Okay. So this one here, I'll just put a note next to it saying, so $3.75 in the offset. Beautiful.\n\nChannel 1: Yep.\n\nChannel 0: So that one only has a small amount owing. Excellent.\n\nChannel 1: And\n\nChannel 0: Owing\n\nChannel 1: then\n\nChannel 0: difference. Yep.\n\nChannel 1: we've got one in Sunbury, which is in Victoria.\n\nChannel 0: Is that the one that you purchased last year?\n\nChannel 1: It would be. Yeah. Yep.\n\nChannel 0: Yep. So Sunbury. Beautiful. It's\n\nChannel 1: And that one's $5.32.\n\nChannel 0: owing $5.32. Beautiful.\n\nChannel 1: And then the new one is Western Australia, and it's\n\nChannel 0: Yep.\n\nChannel 1: got $5.60. And so neither of those have anything in the offset.\n\nChannel 0: Okay. And\n\nChannel 1: It\n\nChannel 0: that's\n\nChannel 1: just\n\nChannel 0: $5.60.\n\nChannel 1: yeah. Just\n\nChannel 0: Yes.\n\nChannel 1: adding\n\nChannel 0: Sorry.\n\nChannel 1: to that. The the way that the this is all structured, there's a master facility is what they call it.\n\nChannel 0: Yep.\n\nChannel 1: So that's actually debt that's related with deposits and stuff for those houses. So you would have to add that debt as well. Yeah. So what we did was for our first Harvey Bay property is we took the equity out of that property\n\nChannel 0: Yep.\n\nChannel 1: to be able to then have the deposit to pay for those two new properties. So\n\nChannel 0: Yep.\n\nChannel 1: the amount that's owing in that is 360.\n\nChannel 0: Okay.\n\nChannel 1: So that brings\n\nChannel 0: Perfect.\n\nChannel 1: us Dunbury and the WA Property loan ratio higher.\n\nChannel 0: Yes.\n\nChannel 1: So yeah.\n\nChannel 0: Yep. Yep. No. That's okay. That's not a problem at all.\n\nSo $3.60 0 in there as well. Beautiful. Now with each of those properties, the one in WA, what's the asset value you put on that property at the moment?\n\nChannel 1: I think it Oh, good question. Cost us $6.50. And I think\n\nChannel 0: 6\n\nChannel 1: it's\n\nChannel 0: 150 and something.\n\nChannel 1: yeah. I think\n\nChannel 0: Yep.\n\nChannel 1: it's worth roughly $8.50 now. Yeah. The\n\nChannel 0: Okay.\n\nChannel 1: broker did\n\nChannel 0: Perfect.\n\nChannel 1: just do the valuations the other day for us. We do actually look at the documents there. 300,000.\n\nChannel 0: Perfect. And then with the one in Sunbury, what's the evaluation you put on that one?\n\nChannel 1: Pretty much what we bought bought it. I think it's sitting at $7.50, and we paid $7.50. Mhmm.\n\nChannel 0: $7.50? Yep. That's okay. And the one just outside of Harvey Bay, we had a an asset value of 650,000 on that one.\n\nChannel 1: Yeah. I think it's more now. I think it's probably I've got one. That document $7.50? Yes.\n\nMaybe maybe $7.50.\n\nChannel 0: $7.50. Yep. Perfect. There we go. And then the one in Harvey Bay, we had here last year 650,000 on that one there as well.\n\nChannel 1: So I think it's $7.50 as well. So I think the two in Harley Bay is sitting at the same amount.\n\nChannel 0: Okay. Perfect. Perfect. Excellent. Other than that, income wise, because we are looking at the additional contributions and making a deductible, I need to sort of confirm what your income estimate is supposed to be for this year when you consider your total income.\n\nSo when you consider what the account is gonna look at with from the property is, what do you estimate your total income should be gross this year?\n\nChannel 1: Oh, good question. So\n\nChannel 0: Sorry.\n\nChannel 1: I'm currently I should've had this down, but I'm currently sitting at $1.70. That's just my\n\nChannel 0: Yep.\n\nChannel 1: pay for my last pay slip. So\n\nChannel 0: Yep.\n\nChannel 1: I get I get paid this week, so that's a fortnight behind.\n\nChannel 0: Yep.\n\nChannel 1: And then for the property like, two of the property just thinking how much would the properties be generating? Or partly. So two of them are port negatively geared and two are positively geared. So I do actually have a spreadsheet that shows this information. Is it easier if I reply to your email with this information?\n\nChannel 0: Yeah.\n\nChannel 1: Because I don't actually know\n\nChannel 0: Yeah.\n\nChannel 1: it off the top of my head. I can\n\nChannel 0: No.\n\nChannel 1: give you\n\nChannel 0: That's\n\nChannel 1: the figures. Like, I know how much the rent is to give\n\nChannel 0: yep.\n\nChannel 1: that\n\nChannel 0: Yep.\n\nChannel 1: figure.\n\nChannel 0: That's okay.\n\nChannel 1: But, yeah, do you want that information or no?\n\nChannel 0: I just need to work out what your gross income is expected to be for this for this financial year total just so I can kinda work out what what the contribution looks like and how that might provide you a benefit and, yeah, affect you essentially.\n\nChannel 1: Yep. So two of the oh, so I think it sits around a 120. I think the four properties, the rent, without any\n\nChannel 0: Yep.\n\nChannel 1: of the expenses deducted, sits around\n\nChannel 0: Yep.\n\nChannel 1: $1.20.\n\nChannel 0: Okay. Perfect. So $1.20 without any deductions. Do you know what the deductions might sort of expected to look like to bring your the income component down for you at?\n\nChannel 1: Not off the top of my head. It's just because we\n\nChannel 0: No.\n\nChannel 1: got four, so I can't remember them.\n\nChannel 0: Yeah.\n\nChannel 1: Two\n\nChannel 0: No. That's okay. If you like, I can put that in the email for you. If you just sort of reply back with what the gross income might look like, then I can kind of go from there for you. Is that alright?\n\nChannel 1: Yeah. Yeah. Two of\n\nChannel 0: Yep.\n\nChannel 1: them, hopefully,\n\nChannel 0: Perfect.\n\nChannel 1: this year hopefully, this year will be our best year. A big thing was trying to reduce our tax with buying the investment properties originally\n\nChannel 0: Yep.\n\nChannel 1: as well.\n\nChannel 0: Yep.\n\nChannel 1: And we did two new builds because you can claim all the fittings and fixtures and blah blah blah blah.\n\nChannel 0: Yeah. Love that.\n\nChannel 1: Yeah. So last year, we didn't really get we got a couple of months into the year for Sunbury, and then this will be our first full year\n\nChannel 0: Yep.\n\nChannel 1: to claim that and same with Western Australia. So we really wanna get a good tax accountant to to benefit as much as we can from\n\nChannel 0: Yeah.\n\nChannel 1: from that this year and being the first year that we really should be able to get a decent claim instead of giving it all to government. So\n\nChannel 0: Yep.\n\nChannel 1: the other two aren't new, so there's not as much to claim. We've got tax depreciation done for all property.\n\nChannel 0: Yep.\n\nChannel 1: But, yeah, this year will be the the probably the year that we got an idea on how much we can claim.\n\nChannel 0: Yeah. No. That's okay. Not a problem at all. I'll pop that into the email there as well.\n\nThis will be a pretty bulky email for you, but it'll kinda contain everything that we need to be able to help you out and get the advice. But I'll pop it in the email for you so if you just confirm that for me. Is that okay?\n\nChannel 1: Yep. Sounds good. Yep.\n\nChannel 0: Yep. Fantastic. Excellent. And you kinda mentioned that you do guys travel around a lot for work.\n\nChannel 1: Yep.\n\nChannel 0: You're still in the same area. I've got down here that you're in technically construction industry and that your occupation is a safety adviser. Is that right?\n\nChannel 1: Yeah. So I'm to manager now, but, yeah, still\n\nChannel 0: Yep.\n\nChannel 1: construction and, yep, HSE manager.\n\nChannel 0: Perfect. Fantastic. Lovely. And I've got down here for accessing super. We were working on age 60.\n\nObviously, you've got those other goals there where you're wanting to try and build wealth outside of super so you can retire around about 50, if not before. Is that still correct?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Beautiful. I also had done here that you were sort of hoping to accumulate assets of around about two to two point five million net. Is that right?\n\nChannel 1: Oh, I don't know how we would have come to that figure, but we just\n\nChannel 0: That's\n\nChannel 1: wanted\n\nChannel 0: okay.\n\nChannel 1: to this is gonna sound silly, but we just want as much\n\nChannel 0: You're\n\nChannel 1: as\n\nChannel 0: right.\n\nChannel 1: possible to\n\nChannel 0: As\n\nChannel 1: say\n\nChannel 0: much\n\nChannel 1: that\n\nChannel 0: as possible. I'm\n\nChannel 1: yeah.\n\nChannel 0: with you there. Absolutely. Absolutely. I got that. Not a problem at all.\n\nBeautiful. Excellent. Well, look, that's honestly really good. Is there any other goals or anything else that you can think of with regard to the properties or the advice that we're looking at at the moment that you might wanna kinda add into here?\n\nChannel 1: What what so what we do with work is because it's construction, so we will we'll do a project. The project will then finish, and then we\n\nChannel 0: Yep.\n\nChannel 1: generally will take a few months off of work.\n\nChannel 0: Yep.\n\nChannel 1: But, like, last year,\n\nChannel 0: Yep.\n\nChannel 1: we had close to three months off maybe. It was, like, three to four months in\n\nChannel 0: Yep.\n\nChannel 1: total. And so we didn't, like, go travel in our caravan for that time. So the reason why we, you know, don't really wanna buy another property is because we do want to reduce our debt because we don't have a constant income.\n\nChannel 0: Yes.\n\nChannel 1: So when we do take those extended periods off work, we're not getting paid.\n\nChannel 0: Yeah.\n\nChannel 1: So we just need to make sure we're being smart about it so that we don't\n\nChannel 0: Yep.\n\nChannel 1: have big bills and we can afford\n\nChannel 0: Yeah.\n\nChannel 1: to still travel and not have an income.\n\nChannel 0: Yeah. Yep. No. That's okay. Not a problem at all.\n\nBeautiful. Well, I think we've covered most things there. As I said, I'll put do up a really big email for you to call it all the things that we do need, the any additional questions that we might have. Once we've kind of got all that detail, we can come back and just have another conversation around your goals, have a think about what it is when you're running to retire, what the income component might look like, anything else that might be relevant there. In the meantime, I can do a bit of research around what we've got, what what this might look projected wise, and then we can always come back and and reassess and do a nice big advice piece for you.\n\nDoes that sound okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Fantastic. Lovely. So just to kinda go through your stupid now, now I did give you a balance before there, Laura. So your balance as of essentially yesterday's date was a 118,718 and 61¢ there. So it is definitely up.\n\nHaving a look back at your annual review last year when you completed that with Tommy there, the balance in your account then was 96,209 and 70¢. So your super has done really, really well when we kinda break that down. You're in that high growth kind of environment there. So at the moment, and in a high growth portfolio, you wanna see about 90% of your funds in those growth assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver, that's where you tend to see a lot of the returns from moving forward, and that's where you also see those those ups and downs of volatility that kinda make us a bit nervous as well.\n\nSo at the moment, your current exposure is sitting at 93 there, which is within that range of what we'd like to see. And then you've got about 7% defensive. The high growth portfolio normally sees about around about sort of 5% offensive. Seven's a little bit higher, but it's within range for discrepancies. And because of, you know, the way portfolios work, you do also see often see a little bit of a discrepancy in that.\n\nSo we have a range. We're happy with about a 5% range either side of that for your high growth environment, and 7% defense is not bad at all. When I have a look at the total of how your portfolio has performed, Sorry. I'm just bringing\n\nChannel 1: Yep.\n\nChannel 0: up the report. I do apologize. Might be one\n\nChannel 1: Yeah.\n\nChannel 0: second. Just gotta open it up. Oops. My computer's a little bit slow. Work is a bit too hard today, I think.\n\nGotta love technology.\n\nChannel 1: Yep.\n\nChannel 0: When you look at here at the portfolio, so net of fees, you've got a 12.39% return there. So not bad in any way, shape, or form. With the high growth environment, as I kinda mentioned before, you are sort of wanting to be invested for at least eight years before accessing that super because of the risk that you are taking and the exposure that we do see there. This you you're still really young. You've got a lot more time than eight years before you're able to access your super at this stage.\n\nSo you do fit within that high growth sort of environment there. And when we are looking at long term sustainable returns, the high growth portfolio, we're looking to achieve around about eight to 10% on a yearly basis. So the fact that you've received 12.39% net of fees, it's after our ongoing fee as well as any admin fees or super fees that are deducted there, does show that your portfolio has well and truly overperformed for the year, which is a really solid return. I tend to give everyone the the performance as a percentage, but also as a dollar figure as well. So the income and the growth, and that's what we're looking at.\n\nYour contributions do go into the portfolio, but they're essentially seen as capital or principal. We look at when we're looking at the returns, the internal rate of return, the income that's produced out of those investments and the additional growth, so the changes in the market price of the investments there. And it shows that for the year, you've made about 14,003 sorry. $14,735.80 per year. So it's a really good return.\n\nYou've achieved really well for the year, and it's it's really happy with that. Did you have any questions so far about any of it? Sorry.\n\nChannel 1: Okay. You're right. I don't think\n\nChannel 0: Yes.\n\nChannel 1: so. No. Because I don't really\n\nChannel 0: Yeah.\n\nChannel 1: obviously, because you can't access your super for so long, and we are obviously\n\nChannel 0: Yeah.\n\nChannel 1: planning on retiring before you can access it. We're sort\n\nChannel 0: Yeah.\n\nChannel 1: of just wanting to have the Zebra as, like, a backup.\n\nChannel 0: Yes.\n\nChannel 1: So as long as it's growing and it's growing well, I'm I'm very happy with that.\n\nChannel 0: Perfect. Fantastic. When I do have a look at some of the investments in there, I can see one that is underperforming a little bit. And I know when Tommy spoke to you last year, he talked to you about the Australian equities component that been along Australian equities managed fund in there. Do you remember kinda talking to him about that last year?\n\nChannel 1: I do, Bailey. Yeah. Yeah. I think he\n\nChannel 0: Yeah.\n\nChannel 1: just said that they'll just monitor it from memory.\n\nChannel 0: Yeah. Yeah. So it looks like last year was over underperforming a little bit there. And having a look at it now, it is still underperforming. So I would like to maybe update the advice for you and remove that out of that.\n\nI can also incorporate that into the advice piece for you. Maybe look at moving that out and putting something in its place that hasn't been underperforming as much. It might also be a bit more cost effective for you to find a cheaper managed investment. Would that sound okay?\n\nChannel 1: Yes. Yes. Sounds good.\n\nChannel 0: Yep. Fantastic. Perfect. So with the Bennelong team, just kind of get a guide on what you're sort of after investment wise with your super. Bennelong Australian Equities is a managed funder.\n\nThey generally hold between 15 to 25 different investment options. The investment manager of that is more of an active manager, so their job is to buy and sell investments, time the market, and try to outperform against the market or the indices that they're trying to sort of track. We can, if you wanted to, look to maybe reduce the cost a bit and change that to have a more passive investment. Passive investments might be more diversified, have more underlying investments there, and are designed to track the market or the industries instead of trying to outperform it, which means that they have less risk of underperforming against the market. Did you want me to look at something more cost perspective, or did you want more of an actively managed in there?\n\nOr what's your thoughts around that?\n\nChannel 1: I'm honestly just happy to go with whatever you guys think is best for\n\nChannel 0: Yeah.\n\nChannel 1: the super. Yeah. Whatever\n\nChannel 0: Yeah.\n\nChannel 1: you'd recommend.\n\nChannel 0: Perfect. I'll have a really good look at everything for you. I can incorporate that into the advice piece of your contribution if you like,\n\nChannel 1: Yep.\n\nChannel 0: and then we can come back and have a really good chat about what we're what we're gonna switch that for you. Okay?\n\nChannel 1: Yep. That sounds\n\nChannel 0: Perfect. Now the other thing to sorta have a chat about is the insurance side of things. So just having a look, you do have insurances that are paid out of your super fund at the moment. With your MetLife\n\nChannel 1: good.\n\nChannel 0: policy there, you do have you've got some life cover. So the life cover has some insured at the moment of 551,250. You have the same amount of TBD cover there. Having a look, you don't have any income protection and don't have any trauma or any additional covers outside of so far. Are you happy with the amount of coverage that you have given that your investment properties are pretty well, you know, self managed and you're paying them down nice and fast and you have very much low expenditure.\n\nOr did you wanna maybe look at reevaluating those levels of cover? What are your thoughts there at the moment?\n\nChannel 1: No. I think I'm happy with how it is at the moment.\n\nChannel 0: Yep. Beautiful. And with not having income protection, I know you do have those four investment properties there. And, like, if you were not able to work, I know Chris is still working, and you've probably you've got money in the offset to sort of suffice. You're comfortable not having any income protection or any additional insurances.\n\nYou're just happy with the life and TPD. Is that right?\n\nChannel 1: Yeah. For the time being, I think so. Because\n\nChannel 0: Yep.\n\nChannel 1: our work is yeah. Our work is I can't see it not happening anytime soon. So,\n\nChannel 0: No.\n\nChannel 1: yeah,\n\nChannel 0: That's\n\nChannel 1: at\n\nChannel 0: okay.\n\nChannel 1: the moment, all good.\n\nChannel 0: Absolutely. Fantastic. And just looking at the beneficiary side of things as well there. So I can see we do have Chris noted as your beneficiary in the event of passing your super and your life insurance is paid after him at a 100%.\n\nChannel 1: Yep.\n\nChannel 0: You're comfortable with that? That's the way you want that sort of structured?\n\nChannel 1: Yep. Yep. That's good.\n\nChannel 0: Yep. Fantastic. Look, everything is working really well very nicely. I've got a really good idea of where we're sort of going with things. There there's no need to sort of change the insurances now, which is a positive sign for you.\n\nJust double checking, having a look at the other estate planning side of things, I've got a note here that you do have a will and power of attorney. They're all still active and in place and reflect your current wishes. Is that right?\n\nChannel 1: Yep. That's correct.\n\nChannel 0: Yeah. Fantastic. Perfect. And how's your health been for the last twelve months? No major changes.\n\nEverything's going really well?\n\nChannel 1: Yeah. No changes at all.\n\nChannel 0: Oh, fantastic. That's what we wanna hear. Excellent. Excellent. The only other thing to sort of confirm now, as we kinda mentioned you are in that high growth environment there, I've just got a really quick risk profile just to kinda gauge whether we've gotta make any changes to your portfolio.\n\nI don't think there are any changes to make there. You kinda sort of also mentioned to me that super sort of a backup plan. Your main plan is, you know, looking at investment properties and investing in your own name outside of super there.\n\nChannel 1: Yep.\n\nChannel 0: If you did see the market take a bit of a dip with your current balance and say it did fall by 20% in the next sort of one or two or even three years there, knowing that you're not able to access your money, how do you sort of feel about your super balance taking that sort of a dip in the short term? Do you consider that you'd be quite concerned, maybe wanting to sell the investments? Do you think it's maybe more of an investment opportunity, or are you probably just wanting to hold and wait and see what happens? What's your thought?\n\nChannel 1: Yeah. I'm not really phased. I would just hold and wait. Trust the process.\n\nChannel 0: Yep. Trust the process. I love it. All good. The other question here is looking at what kind of reasonable rate of return you're expecting to achieve from your investments.\n\nI've ticked number one, trying to obtain the best return you possibly can for the risk level you're taking. Is that accurate?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Yep. Fantastic. And the last one here is have you ever seen your super full in value? I'm sort of noting that you're not really sort of worried. Any sort of major drops in your super, you're happy to to sort of wait and still, you wouldn't be too concerned about that.\n\nChannel 1: Yeah. That's correct. I do check it every now and then. But\n\nChannel 0: Yep.\n\nChannel 1: yeah. No. I'm not satisfied. If it's going down, it's going down. It is what it is.\n\nChannel 0: Yeah. No. That's okay. Not a problem at all. And the last one here is looking at have you ever thought about taking out a loan to invest?\n\nYou did say last year that you would so long as you have the right sort of advice around that, and you have borrowed to buy those investment properties. So taking number one there that you are comfortable borrowing to invest given your time horizon at the moment. Is that right, or would you alter that decision?\n\nChannel 1: No. No. No.\n\nChannel 0: That\n\nChannel 1: I'm still\n\nChannel 0: sounds fine.\n\nChannel 1: yeah. Happy to yeah. Yep.\n\nChannel 0: Yep. Yep. Beautiful. Well, you've definitely scored there as a high growth investor given your time horizon and the way your super is growing. And, obviously, you know, the way you are in your life, it does sound like the right place to be.\n\nIf you ever are finding or hearing anything in the out in the market or in the news that is concerning, please feel free to give us a call. We are definitely here to help you. We do wanted to do these reviews a bit more regularly with you. Did you want\n\nChannel 1: Yep.\n\nChannel 0: us to do a bit of a catch up with regard to your super in maybe the next six months or three months, or are you happy with just the review once a year? What would you kinda prefer moving forward?\n\nChannel 1: No. I probably would like it more regularly.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Yeah. Probably six monthly.\n\nChannel 0: Six monthly? Yeah. Perfect. I'll put that in the calendar there for you so my team will touch base. In about six months, they'll do a bit more of a a review, sorry, around your super just to kinda give you a bit of a quick catch up and see how things are traveling there for you.\n\nChannel 1: Yep.\n\nChannel 0: In the meantime, I'm gonna shoot through after the call your annual review documents as there there as well. So it does have a portfolio report to show you. Essentially, what I was looking at when looking at the returns and give you a bit of a breakdown of how your super's been performing. It's also got the certificate of currency there for you. I've got the financial services guide.\n\nSo I'm not sure if we've spoken before. It doesn't look like we have, but I'm a full licensed adviser the same as the others here and Tommy was. Essentially, all of that information's in the financial services guide. That one's who I am, what I do, has a lovely picture of me in there for you if you wanna have a bit of a look at that, and, also, my registration information as I'm a licensed adviser through Asics. So you can have a bit of a look through that, get a bit of a guide on who we are, what we do, and how we do it.\n\nAnd, Chris, if you wanted to have a bit of a look through that, absolutely. It just breaks down a bit more around our services, who we are, what we do, how we do it, and what advisers essentially do. I'll\n\nChannel 1: Yep.\n\nChannel 0: also have the ongoing service agreement attached there. So if you find you're happy with the services, wanna stay onboard for the next twelve months there, I'll just get you to sign and return that one back there for us, Laura. That just allows us to keep looking after your super, providing the services, and updating the advice in relation to super. And then I'll send that other email out separately to you, just to we'll just correlate all the data so we can have a bit of a a look at what your goals and objectives are, and we'll come back and have another conversation when you're come when you guys are ready to really look at, you know, what the research looks like, what your goals are, and what we can maybe do advice wise to help you along investing in your own name. How does\n\nChannel 1: Yep.\n\nChannel 0: that sound so far?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: Yeah. All good. Fantastic. Everything that's kind of everything I needed to touch on now. I think the main thing is to get that email out to you and kinda correlate the data.\n\nI'll get the information back as quickly as if you can get that back to me as quickly as you can in relation to your income side of things and the catch up contributions, just so I can correlate that advice case there for you, Laura, and get that update up to date. Chris, because I don't have access to your super, I can't can't give you personal advice there. But if you wanted to send me yours, I could give you a bit of a breakdown on, you know, essentially making a deductible contribution.\n\nChannel 1: Yep.\n\nChannel 0: Or, alternatively, if you just look at your catch up contributions, it tells you how much you have available cap space, and you'll be able to utilize that as well. Is that okay?\n\nChannel 1: Yeah. That's alright. I can look into look into that. I think it's something that I'm definitely gonna do this to. Yeah.\n\nOkay.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Love to have more of a chat about your super and have a look at what we can do moving forward. Absolutely. Do you guys have any other questions? Is there something I've missed or haven't touched on that you maybe wanted me to touch on for either of you?\n\nOr\n\nChannel 1: Well, we do so the reason why we have a self managed super fund is because when we\n\nChannel 0: yeah.\n\nChannel 1: went through these advisers, they were saying to us, oh, buy an investment property and use super. It's great. Blah blah\n\nChannel 0: Yeah.\n\nChannel 1: blah. And, anyway,\n\nChannel 0: Yep.\n\nChannel 1: so we got we got sucked into it, so we did. And it's been a complete disaster. The property so it was a unit in Melbourne, and it was meant to be fully finished December last year. However,\n\nChannel 0: Yes.\n\nChannel 1: it's something to do with the trains, the new railway train. Underground rail line. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: So, apparently, all the permits are approved to build. All the correct steps are taken before they started the build. They've done the slab, but then,\n\nChannel 0: Yep.\n\nChannel 1: I don't know, obviously, there's some concerns, some something in relation to the underground rail, and I don't know, whether it's proximity, how close it is, or whatever it is, we get said\n\nChannel 0: Yeah.\n\nChannel 1: limited information. Long story short. It's\n\nChannel 0: Yeah.\n\nChannel 1: in court is the problem. So the property hasn't been built. It's still\n\nChannel 0: Yeah.\n\nChannel 1: a hole in the ground, and they're currently in the court. So we have no idea when it will be built. And the problem is we put 70,000 of our super into that as a deposit. Yeah.\n\nChannel 0: Oh, yeah.\n\nChannel 1: And we only\n\nChannel 0: Wow.\n\nChannel 1: found out the other day that it's now sitting in the So it's just sitting in a trust fund, but it doesn't own any interest, doesn't do anything in the sunset clauses until '29. 2029. Sorry. Disaster. So I don't know, yeah,\n\nChannel 0: Wow.\n\nChannel 1: if\n\nChannel 0: Yeah.\n\nChannel 1: any if if we can speak to anyone, if you've got any good solicitors that you guys use. Or We don't know what to do is the problem. We don't know whether and, like, the problem is because the sun pet caused. I guess we sort of just have to write it out and see what happens. I don't know.\n\nChannel 0: Yeah. Because it's in court, you may not be able to do anything until it goes to the legal process. But I'll see if there's a solicitor or someone I can refer you through to to maybe have a look at that in a bit more detail.\n\nChannel 1: Yep.\n\nChannel 0: But, yeah, I'll see what I can find and maybe get some additional information there for you. It might just be that that's all kind of locked away for the moment. So, Chris, is that all your super, or do you have other super that you're getting money paid into at the moment as well?\n\nChannel 1: So that's, yeah, my super. So it's a portion of my super. I think my super's now sitting at It's still a fair bit. It's more than me. Like, the $1.60 or something?\n\nYeah. Around\n\nChannel 0: Okay.\n\nChannel 1: $1.60 or $1.70. So\n\nChannel 0: Yep.\n\nChannel 1: it's not it's not that that was always super, and we're now like, oh my god. What have we done? Yeah. But it's\n\nChannel 0: Yeah.\n\nChannel 1: 70\n\nChannel 0: Yeah.\n\nChannel 1: thousand. Oh, it's like it's still\n\nChannel 0: Still.\n\nChannel 1: a lot of money. Yeah.\n\nChannel 0: No. Still a lot of money to have sitting there not doing anything now, isn't it?\n\nChannel 1: It is. Yeah. So it's\n\nChannel 0: Yeah.\n\nChannel 1: not good, but\n\nChannel 0: No.\n\nChannel 1: we're not losing sleep over it\n\nChannel 0: No.\n\nChannel 1: yet.\n\nChannel 0: No. Definitely. And your money's working over here in the other super funds. So that's okay. No.\n\nAbsolutely. Look. It honestly does look like the money will unfortunately be tied up until it goes through the court process, but I can have a bit of a look and find out what what I can find information wise. And if there's maybe a solicitor we can refer you through to to maybe have a conversation around that, I will.\n\nChannel 1: Yes.\n\nChannel 0: But I'll do a bit of research for you and see what we can come up with there. That's a bit of a shame. You\n\nChannel 1: Yeah.\n\nChannel 0: probably\n\nChannel 1: It\n\nChannel 0: had\n\nChannel 1: is.\n\nChannel 0: some\n\nChannel 1: Yeah.\n\nChannel 0: high hopes from that one property. So the\n\nChannel 1: We\n\nChannel 0: intention\n\nChannel 1: did.\n\nChannel 0: with that SMSF, are you sort of hoping to just kinda get through the court process, get your funds back, and maybe close it off, or do you kinda hope they're gonna get that property built? Or what do you sort of think down the track you would hope to get from this?\n\nChannel 1: Well, probably the the well, my thought was the property built because it it was a good property. Yeah. The the company that we went through that advised us to go down this track sent an email the other day, like, request we're always requesting updates, and it's unfortunately the same shit. No updates. But they just continue to tell us that, oh, but the property value is in the area of increase.\n\nSo, you know, your your deposit is actually an investment. And once the property gets built, you know, the the value of the unit is gonna be worth more. But there's a there's a massive chance, in my opinion, that the builder's gonna turn around and say, fucking building supply prices have gone up, and now we need to charge you more to build it. Apparently, they can't, though. But the problem is too is that when we got this advice, they that like, this company was pushing properties.\n\nAnd so I don't know. Like, we didn't sit down with someone and say, oh, is it a good idea to get property in your super, or are you actually going to make more by just, like, investing in shares with you just normal super? So, yeah, that was a rookie error on our behalf because we just went through them for advice. They made it sound like fantastic, so I don't know.\n\nChannel 0: Yeah. No. That's understandable. That's okay. As I said, I'll find out what I can about that.\n\nI'll see if there's a solicitor I can refer you through to sort of help you along.\n\nChannel 1: Yep.\n\nChannel 0: In the meantime, I will send you a really nice, big, bulky email with the things\n\nChannel 1: Yep.\n\nChannel 0: we need to correlate for the extra advice there for you. We'll look at your income, look at the deductible contribution. I'll do some research around the additional investment in super and see what we can switch to that too and how that looks there for you. And then we'll come back and have a bit more of another conversation and and look at what your goals are with regards to investing in your own name and see what we can do to help. Okay?\n\nIn your own name and see what\n\nChannel 1: Yep.\n\nChannel 0: we can do to help.\n\nChannel 1: Sounds\n\nChannel 0: Okay?\n\nChannel 1: really good. Thank you.\n\nChannel 0: No. That's okay. Thank you so much. I'll let you guys go for the afternoon. If there's anything else, let me know.\n\nLaura, you also have my email address. So if anything else comes up that you've missed or that you need additional, let me know. Always happy to make more time to come back and talk. We'll get the contribution side of things sorted for you because that's more time sensitive given we're in June. And then we'll come back and look more in detail at the\n\nChannel 1: Yep.\n\nChannel 0: the other side of the advice for you guys. Okay?\n\nChannel 1: Yep. Sounds really good. Thank you.\n\nChannel 0: Oh, my pleasure. It's been a pleasure to catch up with you both. It's been a really good you've got a lot going on, so we'll definitely see what we can do to help.\n\nChannel 1: Awesome. Thank you. Really appreciate it.\n\nChannel 0: Not a problem at all. You both have an amazing afternoon. Thank you for your time.\n\nChannel 1: You too. See you later. I\n\nChannel 0: Thanks.\n\nChannel 1: see it.\n\nChannel 0: Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.4399999,"sentiment":"neutral","sentiment_score":0.015658635646104813},{"text":"Laura speaking.","start":1.4399999,"end":2.26,"sentiment":"neutral","sentiment_score":0.018407740630209446}],"sentiment":"neutral","sentiment_score":0.017491372302174568,"channel":1,"num_words":3,"start":1.1999999,"end":2.26},{"sentences":[{"text":"Hi, Laura.","start":2.72,"end":3.1999998,"sentiment":"neutral","sentiment_score":0.1272844523191452},{"text":"This is Dana from Okie Financial.","start":3.1999998,"end":4.8199997,"sentiment":"neutral","sentiment_score":0.1690837194522222},{"text":"How are you this afternoon?","start":4.88,"end":6.1,"sentiment":"neutral","sentiment_score":0.23102623522281646}],"sentiment":"neutral","sentiment_score":0.186477107497362,"channel":0,"num_words":13,"start":2.72,"end":6.1},{"sentences":[{"text":"Good.","start":6.56,"end":6.8799996,"sentiment":"positive","sentiment_score":0.42867472767829895},{"text":"How are you?","start":6.8799996,"end":7.7,"sentiment":"neutral","sentiment_score":0.2976504663626353}],"sentiment":"neutral","sentiment_score":0.3304065316915512,"channel":1,"num_words":4,"start":6.56,"end":7.7},{"sentences":[{"text":"I'm very well.","start":7.8399997,"end":8.72,"sentiment":"positive","sentiment_score":0.5611594319343567},{"text":"Thank you.","start":8.72,"end":9.2,"sentiment":"positive","sentiment_score":0.6949985027313232},{"text":"I had you put in to go through your annual review today.","start":9.2,"end":11.44,"sentiment":"positive","sentiment_score":0.3377657507856687},{"text":"Is now still a good time there for you?","start":11.44,"end":13.46,"sentiment":"neutral","sentiment_score":0.30559880203670925}],"sentiment":"positive","sentiment_score":0.3798866741932355,"channel":0,"num_words":26,"start":7.8399997,"end":13.46},{"sentences":[{"text":"It is.","start":13.5199995,"end":13.92,"sentiment":"neutral","sentiment_score":0.19683998078107834},{"text":"Yes.","start":13.92,"end":14.08,"sentiment":"neutral","sentiment_score":0.2849884331226349},{"text":"Thank you.","start":14.08,"end":14.625,"sentiment":"positive","sentiment_score":0.5325044691562653}],"sentiment":"positive","sentiment_score":0.3487354665994644,"channel":1,"num_words":5,"start":13.5199995,"end":14.625},{"sentences":[{"text":"Fantastic.","start":15.255,"end":15.755,"sentiment":"positive","sentiment_score":0.6745071411132812},{"text":"Laura, just before we jump into the call, just to let you know we do record our calls for quality and training purposes.","start":16.135,"end":20.775,"sentiment":"neutral","sentiment_score":0.2443915799908016},{"text":"Are you happy for us to proceed with that?","start":20.775,"end":22.795,"sentiment":"neutral","sentiment_score":0.24497786660989126}],"sentiment":"neutral","sentiment_score":0.2575852812239618,"channel":0,"num_words":33,"start":15.255,"end":22.795},{"sentences":[{"text":"Yep.","start":22.865,"end":23.185,"sentiment":"neutral","sentiment_score":0.14563985168933868},{"text":"That's fine.","start":23.185,"end":23.925,"sentiment":"neutral","sentiment_score":0.29909153282642365}],"sentiment":"neutral","sentiment_score":0.24794097244739532,"channel":1,"num_words":3,"start":22.865,"end":23.925},{"sentences":[{"text":"Fantastic.","start":24.375,"end":24.875,"sentiment":"positive","sentiment_score":0.5817490220069885},{"text":"And, also, just for the security there with you, I'd just like you to confirm your full name, your date of birth, and address I should have 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Queensland.","start":36.69,"end":37.83,"sentiment":"neutral","sentiment_score":0.05239014575878779}],"sentiment":"neutral","sentiment_score":0.05239014575878779,"channel":1,"num_words":3,"start":36.69,"end":37.83},{"sentences":[{"text":"Fantastic.","start":38.829998,"end":39.329998,"sentiment":"positive","sentiment_score":0.48033756017684937},{"text":"And how's your day being so far?","start":39.55,"end":41.329998,"sentiment":"neutral","sentiment_score":0.24783126371247427}],"sentiment":"neutral","sentiment_score":0.27689455077052116,"channel":0,"num_words":8,"start":38.829998,"end":41.329998},{"sentences":[{"text":"Not too bad,","start":41.57,"end":42.129997,"sentiment":"neutral","sentiment_score":0.1317416230837504}],"sentiment":"neutral","sentiment_score":0.1317416230837504,"channel":1,"num_words":3,"start":41.57,"end":42.129997},{"sentences":[{"text":"Oh,","start":41.955,"end":42.455,"sentiment":"neutral","sentiment_score":0.11993247270584106}],"sentiment":"neutral","sentiment_score":0.11993247270584106,"channel":0,"num_words":1,"start":41.955,"end":42.455},{"sentences":[{"text":"actually.","start":42.129997,"end":42.61,"sentiment":"neutral","sentiment_score":0.15744459629058838},{"text":"How's 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it.","start":44.435,"end":46.215,"sentiment":"positive","sentiment_score":0.41664785146713257},{"text":"Getting","start":46.275,"end":46.675003,"sentiment":"neutral","sentiment_score":0.1470114290714264}],"sentiment":"positive","sentiment_score":0.36254875659942626,"channel":0,"num_words":10,"start":43.715,"end":46.675003},{"sentences":[{"text":"Yeah.","start":46.425,"end":46.585,"sentiment":"neutral","sentiment_score":0.14308448135852814},{"text":"Exactly.","start":46.585,"end":47.085,"sentiment":"neutral","sentiment_score":0.1907006949186325}],"sentiment":"neutral","sentiment_score":0.16689258813858032,"channel":1,"num_words":2,"start":46.425,"end":47.085},{"sentences":[{"text":"close to the weekend.","start":46.675003,"end":47.655003,"sentiment":"neutral","sentiment_score":0.1836724989116192},{"text":"All good, Laura.","start":48.915,"end":49.975002,"sentiment":"positive","sentiment_score":0.3865595757961273},{"text":"As part of the annual review, just to sort of check-in, is there anything particular you wanted to sort of touch base on or any questions that you might have that you","start":50.195,"end":57.27,"sentiment":"neutral","sentiment_score":0.10932464012876153}],"sentiment":"neutral","sentiment_score":0.13827582582449302,"channel":0,"num_words":39,"start":46.675003,"end":57.27},{"sentences":[{"text":"Yep.","start":57.225,"end":57.69,"sentiment":"neutral","sentiment_score":0.050507716834545135}],"sentiment":"neutral","sentiment_score":0.050507716834545135,"channel":1,"num_words":1,"start":57.225,"end":57.69},{"sentences":[{"text":"wanted me to sort of go through with you this this afternoon?","start":57.27,"end":59.850002,"sentiment":"neutral","sentiment_score":0.04794913623481989}],"sentiment":"neutral","sentiment_score":0.04794913623481989,"channel":0,"num_words":12,"start":57.27,"end":59.850002},{"sentences":[{"text":"Yeah.","start":60.649998,"end":60.809998,"sentiment":"neutral","sentiment_score":0.03683393448591232},{"text":"So we did write down a couple of questions.","start":60.809998,"end":62.67,"sentiment":"neutral","sentiment_score":0.03765703447990947}],"sentiment":"neutral","sentiment_score":0.03757472448050976,"channel":1,"num_words":10,"start":60.649998,"end":62.67},{"sentences":[{"text":"Yeah.","start":62.95,"end":63.350002,"sentiment":"neutral","sentiment_score":0.09582224488258362},{"text":"Absolutely.","start":63.350002,"end":63.850002,"sentiment":"neutral","sentiment_score":0.1548924595117569},{"text":"Go for it.","start":64.23,"end":65.13,"sentiment":"neutral","sentiment_score":0.1366234595576922}],"sentiment":"neutral","sentiment_score":0.13211701661348343,"channel":0,"num_words":5,"start":62.95,"end":65.13},{"sentences":[{"text":"So what so currently, we go through a company that we so just a bit of background.","start":65.45,"end":72.03,"sentiment":"neutral","sentiment_score":-0.005179658258224235},{"text":"We've got four investment properties.","start":72.135,"end":74.555,"sentiment":"neutral","sentiment_score":0.002299918606877327}],"sentiment":"neutral","sentiment_score":-0.0034797544252466073,"channel":1,"num_words":22,"start":65.45,"end":74.555},{"sentences":[{"text":"Yes.","start":75.045,"end":75.545,"sentiment":"neutral","sentiment_score":0.006154305301606655}],"sentiment":"neutral","sentiment_score":0.006154305301606655,"channel":0,"num_words":1,"start":75.045,"end":75.545},{"sentences":[{"text":"And two of those, we went through an adviser to set up,","start":75.815,"end":79.515,"sentiment":"neutral","sentiment_score":-0.010518270855148634}],"sentiment":"neutral","sentiment_score":-0.010518270855148634,"channel":1,"num_words":12,"start":75.815,"end":79.515},{"sentences":[{"text":"Right.","start":79.765,"end":80.265,"sentiment":"neutral","sentiment_score":-0.007705986499786377}],"sentiment":"neutral","sentiment_score":-0.007705986499786377,"channel":0,"num_words":1,"start":79.765,"end":80.265},{"sentences":[{"text":"and they then","start":80.775,"end":81.655,"sentiment":"neutral","sentiment_score":-0.011168574293454489}],"sentiment":"neutral","sentiment_score":-0.011168574293454489,"channel":1,"num_words":3,"start":80.775,"end":81.655},{"sentences":[{"text":"Yeah.","start":81.46,"end":81.96,"sentiment":"neutral","sentiment_score":-0.012596691027283669}],"sentiment":"neutral","sentiment_score":-0.012596691027283669,"channel":0,"num_words":1,"start":81.46,"end":81.96},{"sentences":[{"text":"recommended, like, a tax agent to do our tax returns through.","start":81.655,"end":84.795,"sentiment":"neutral","sentiment_score":-0.024595698003064503},{"text":"But we're not happy with them.","start":85.015,"end":87.51,"sentiment":"neutral","sentiment_score":-0.17824657758076987},{"text":"So we were wanting to know, does Oakley do tax returns or no?","start":87.590004,"end":92.33,"sentiment":"neutral","sentiment_score":-0.05253091511818079}],"sentiment":"neutral","sentiment_score":-0.0674311346684893,"channel":1,"num_words":30,"start":81.655,"end":92.33},{"sentences":[{"text":"No.","start":92.1,"end":92.5,"sentiment":"neutral","sentiment_score":-0.1381503939628601},{"text":"So we don't because we're financial advisers.","start":92.5,"end":94.58,"sentiment":"neutral","sentiment_score":-0.12982653294290816},{"text":"We're not tax 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to know, do you think it's advisable to put money into our super to reduce our income?","start":525.545,"end":533.31,"sentiment":"neutral","sentiment_score":-0.14872880111492814},{"text":"I think it's the easiest way to describe it.","start":533.61,"end":535.95,"sentiment":"neutral","sentiment_score":0.03974963165819645},{"text":"You","start":536.41,"end":536.57,"sentiment":"neutral","sentiment_score":0.06031711027026177}],"sentiment":"neutral","sentiment_score":-0.08726583961998263,"channel":1,"num_words":31,"start":525.545,"end":536.57},{"sentences":[{"text":"Yeah.","start":536.495,"end":536.895,"sentiment":"neutral","sentiment_score":0.05988454073667526}],"sentiment":"neutral","sentiment_score":0.05988454073667526,"channel":0,"num_words":1,"start":536.495,"end":536.895},{"sentences":[{"text":"know how 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overall tax outlook is looking like and this is not probably something to also talk to your accountant about.","start":545.055,"end":551.42004,"sentiment":"neutral","sentiment_score":0.002092944923788309},{"text":"But, realistically, if your if your income is really high and you have additional cap space, making a deductible contribution is great because that does offset, say, you put 10,000 into your super fund, you can then take that 10,000 back and claim that as a tax deduction, which reduces your how your overall, you know, total gross income, accessible income, 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the idea of diversifying.","start":872.04,"end":874.77997,"sentiment":"positive","sentiment_score":0.3440118147568269}],"sentiment":"positive","sentiment_score":0.3440118147568269,"channel":1,"num_words":11,"start":872.04,"end":874.77997},{"sentences":[{"text":"Yes.","start":875.69,"end":876.19,"sentiment":"neutral","sentiment_score":0.3306092917919159}],"sentiment":"neutral","sentiment_score":0.3306092917919159,"channel":0,"num_words":1,"start":875.69,"end":876.19},{"sentences":[{"text":"And so what what is best for us to do?","start":875.88,"end":878.45996,"sentiment":"neutral","sentiment_score":0.27254279106855395}],"sentiment":"neutral","sentiment_score":0.27254279106855395,"channel":1,"num_words":10,"start":875.88,"end":878.45996},{"sentences":[{"text":"Yeah.","start":879.21,"end":879.61,"sentiment":"neutral","sentiment_score":0.18453891575336456},{"text":"So it really just depends upon what your goals are, if you like, what we could do.","start":879.61,"end":883.61,"sentiment":"neutral","sentiment_score":0.26030318439006805},{"text":"Because I believe, Laura, you're you're a client of ours at the moment,","start":883.61,"end":886.83,"sentiment":"neutral","sentiment_score":0.07008562151056069}],"sentiment":"neutral","sentiment_score":0.1780905203232842,"channel":0,"num_words":31,"start":879.21,"end":886.83},{"sentences":[{"text":"Yes.","start":886.625,"end":887.125,"sentiment":"neutral","sentiment_score":0.04236613959074021}],"sentiment":"neutral","sentiment_score":0.04236613959074021,"channel":1,"num_words":1,"start":886.625,"end":887.125},{"sentences":[{"text":"but you're the only one your partner's not a client of ours at the moment.","start":887.765,"end":890.805,"sentiment":"neutral","sentiment_score":-0.06200471147894859},{"text":"So, Christopher, I do apologize.","start":890.805,"end":892.185,"sentiment":"neutral","sentiment_score":-0.13822501227259637},{"text":"You're not actually on board as a client at 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no, what we could definitely do and then it really depends on what your long term goals are, when you're wanting to access your funds, whether you're comfortable investing in your own name in the market, you know, how long you're wanting to invest for.","start":900.23004,"end":913.37,"sentiment":"neutral","sentiment_score":0.1876541552660258},{"text":"There's a lot of different factors that go into what we do recommend.","start":913.565,"end":916.625,"sentiment":"neutral","sentiment_score":0.1692990964421859},{"text":"If you're wanting to utilize money in the offset account, we would need to look at what the loan looks like versus investing that money and looking at the outcome to see whether it's more beneficial keeping it on the loan or whether you're better off investing it.","start":917.245,"end":930.63995,"sentiment":"neutral","sentiment_score":0.0537375604811435},{"text":"Diversifying is a great way, but you also gotta see a counter in the 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time.","start":1367.37,"end":1368.25,"sentiment":"neutral","sentiment_score":0.0954961081345876},{"text":"Like, it doesn't mean that you never work again if you've got enough money to retire and then still wanna do a part time job or","start":1368.25,"end":1374.27,"sentiment":"neutral","sentiment_score":0.05006059173208017}],"sentiment":"neutral","sentiment_score":0.054760817566822315,"channel":1,"num_words":29,"start":1367.37,"end":1374.27},{"sentences":[{"text":"Yeah.","start":1374.16,"end":1374.66,"sentiment":"neutral","sentiment_score":0.06503798067569733}],"sentiment":"neutral","sentiment_score":0.06503798067569733,"channel":0,"num_words":1,"start":1374.16,"end":1374.66},{"sentences":[{"text":"even 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you.","start":1381.36,"end":1384.64,"sentiment":"neutral","sentiment_score":0.12056639860384166}],"sentiment":"neutral","sentiment_score":0.10261049742499988,"channel":0,"num_words":21,"start":1378.08,"end":1384.64},{"sentences":[{"text":"If you just sort of work out what your goal age might be, what you're looking to do, I'd love to come back and have more of a conversation with you guys around that to sort of work out whether, you know, you invest outside of super or whether you just keep paying down those properties.","start":1384.64,"end":1398.615,"sentiment":"neutral","sentiment_score":0.2191122601340924},{"text":"But just a couple of things for you to kind of think about and consider and, you know, decide what you wanted to what you're thinking you might what your goal might be down the track.","start":1399.235,"end":1408.14,"sentiment":"neutral","sentiment_score":0.2753094861076938},{"text":"Does that make 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shares.","start":1523.985,"end":1525.505,"sentiment":"neutral","sentiment_score":-0.21136842242309026},{"text":"It's a great way to build wealth so long as you've got the time horizon ahead of you, so long as you're willing to invest for a time that's long enough to allow your portfolio to do something to recover, knowing what the risks are in the shorter term, but also making sure you're comfortable.","start":1525.505,"end":1539.86,"sentiment":"positive","sentiment_score":0.4543618768453598},{"text":"So taking that money off the mortgage or not putting it in the mortgage, and possibly some years, you will see a lower a lower rate of return.","start":1539.86,"end":1548.2,"sentiment":"neutral","sentiment_score":0.16335827710905246},{"text":"So, you know, like your interest your home loan interest rate probably doesn't go down very 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because ours is not correct.","start":1672.105,"end":1674.925,"sentiment":"neutral","sentiment_score":-0.32748227566480637},{"text":"Yeah.","start":1676.665,"end":1676.905,"sentiment":"neutral","sentiment_score":-0.14011380076408386},{"text":"So to be able to try work that out, no idea how to calculate that.","start":1676.905,"end":1680.77,"sentiment":"neutral","sentiment_score":-0.2430665175120036}],"sentiment":"neutral","sentiment_score":-0.2614093280651353,"channel":1,"num_words":22,"start":1672.105,"end":1680.77},{"sentences":[{"text":"A bit tough.","start":1681.14,"end":1681.94,"sentiment":"negative","sentiment_score":-0.4184577564398448},{"text":"Yeah.","start":1681.94,"end":1682.26,"sentiment":"neutral","sentiment_score":-0.09435012936592102},{"text":"You sorta just wanna work out whether I would honestly just be working out average cost.","start":1682.26,"end":1688.625,"sentiment":"neutral","sentiment_score":-0.07047237176448107},{"text":"So if you didn't have if if things weren't sort of covered for for you, how much do you think you would need?","start":1688.625,"end":1695.025,"sentiment":"neutral","sentiment_score":-0.06298255094367525},{"text":"Do you think I mean, the average person, honestly, needs to live on between between sort of five to a thousand dollars on a weekly basis to cover the cost of everything.","start":1695.025,"end":1705.0599,"sentiment":"neutral","sentiment_score":-0.0547305109212175}],"sentiment":"neutral","sentiment_score":-0.07569675157467524,"channel":0,"num_words":75,"start":1681.14,"end":1705.0599},{"sentences":[{"text":"But then also factoring in, will you have a mortgage to account for or will you not?","start":1705.28,"end":1709.6,"sentiment":"neutral","sentiment_score":-0.026188133722719026},{"text":"So do you think you're gonna be able to buy the house free and clear, or do you think you're gonna have a mortgage on that main primary residence at the same time?","start":1709.6,"end":1717.995,"sentiment":"neutral","sentiment_score":-0.041489665311845864},{"text":"And what would that mortgage maybe look like?","start":1717.995,"end":1720.255,"sentiment":"neutral","sentiment_score":-0.030538649763911963}],"sentiment":"neutral","sentiment_score":-0.03549424873600746,"channel":0,"num_words":58,"start":1705.28,"end":1720.255},{"sentences":[{"text":"Yep.","start":1720.715,"end":1721.115,"sentiment":"neutral","sentiment_score":0.0577700138092041},{"text":"So, yeah, we would not retire until we had our where we were living paid off.","start":1721.115,"end":1725.455,"sentiment":"neutral","sentiment_score":0.014888098230585456}],"sentiment":"neutral","sentiment_score":0.01741056385285714,"channel":1,"num_words":17,"start":1720.715,"end":1725.455},{"sentences":[{"text":"Fully paid off.","start":1725.6699,"end":1726.63,"sentiment":"neutral","sentiment_score":0.1716699500878652},{"text":"Yeah.","start":1726.63,"end":1727.13,"sentiment":"neutral","sentiment_score":0.12574604153633118}],"sentiment":"neutral","sentiment_score":0.1601889729499817,"channel":0,"num_words":4,"start":1725.6699,"end":1727.13},{"sentences":[{"text":"Yeah.","start":1727.115,"end":1727.615,"sentiment":"neutral","sentiment_score":0.13474881649017334},{"text":"Yep.","start":1727.6749,"end":1728.075,"sentiment":"neutral","sentiment_score":0.13840293884277344},{"text":"So that would be our plan 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be looking, like, we I'd say too, like, we're we are tired asses, but we would want to have the opportunity not to be.","start":1743.07,"end":1754.485,"sentiment":"neutral","sentiment_score":-0.08414043603395974},{"text":"So we would probably","start":1754.485,"end":1755.365,"sentiment":"neutral","sentiment_score":0.02840067446231842}],"sentiment":"neutral","sentiment_score":-0.06961900242153675,"channel":1,"num_words":31,"start":1743.07,"end":1755.365},{"sentences":[{"text":"Yes.","start":1755.33,"end":1755.83,"sentiment":"neutral","sentiment_score":0.0721907839179039}],"sentiment":"neutral","sentiment_score":0.0721907839179039,"channel":0,"num_words":1,"start":1755.33,"end":1755.83},{"sentences":[{"text":"be looking more towards that 1,000 a 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we","start":1763.26,"end":1764.14,"sentiment":"neutral","sentiment_score":0.07445705682039261}],"sentiment":"neutral","sentiment_score":0.14980109359907068,"channel":1,"num_words":23,"start":1758.6201,"end":1764.14},{"sentences":[{"text":"Yeah.","start":1764.0499,"end":1764.5499,"sentiment":"neutral","sentiment_score":0.1534787118434906}],"sentiment":"neutral","sentiment_score":0.1534787118434906,"channel":0,"num_words":1,"start":1764.0499,"end":1764.5499},{"sentences":[{"text":"wanna do an overseas holiday every year, we can.","start":1764.14,"end":1766.7201,"sentiment":"neutral","sentiment_score":0.2527066551976734},{"text":"It's gonna be more than 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start with, just I can do the advice now for you for the contribution because that is quite time sensitive.","start":1779.0299,"end":1784.97,"sentiment":"neutral","sentiment_score":0.03774638829583472},{"text":"We do","start":1785.4299,"end":1785.75,"sentiment":"neutral","sentiment_score":0.05697224289178848}],"sentiment":"neutral","sentiment_score":0.039348542845497526,"channel":0,"num_words":24,"start":1779.0299,"end":1785.75},{"sentences":[{"text":"Yep.","start":1785.6951,"end":1786.08,"sentiment":"neutral","sentiment_score":0.0544486902654171}],"sentiment":"neutral","sentiment_score":0.0544486902654171,"channel":1,"num_words":1,"start":1785.6951,"end":1786.08},{"sentences":[{"text":"need to get that in before the end of the financial year for you.","start":1785.75,"end":1788.23,"sentiment":"neutral","sentiment_score":0.012741362942116601},{"text":"So that's more of a time sensitive advice 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capped currently at balance of a 100 of 600,000.","start":1827.4651,"end":1831.385,"sentiment":"neutral","sentiment_score":0.02238506976176392},{"text":"Sorry.","start":1831.385,"end":1831.885,"sentiment":"neutral","sentiment_score":-0.010421114042401314},{"text":"And it's the the 1.65% is a yearly percentage fee for our services and monitoring ongoing.","start":1832.505,"end":1837.76,"sentiment":"neutral","sentiment_score":0.02736031950917095},{"text":"This fee is deducted out of the investment portfolio each month in smaller increments, and the idea of a percentage based fee is that it does market is doing really well, it does mean that our fee is gonna be higher.","start":1838.38,"end":1850.545,"sentiment":"neutral","sentiment_score":0.08455841143320246},{"text":"However, when the market is taking a bit of a dip, it does mean that our fee is gonna be lower as 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$5.60.","start":2122.665,"end":2124.205,"sentiment":"neutral","sentiment_score":0.037523563019931316},{"text":"And so neither of those have anything in the offset.","start":2125.8652,"end":2128.205,"sentiment":"neutral","sentiment_score":0.002974178269505501}],"sentiment":"neutral","sentiment_score":0.008732409061243137,"channel":1,"num_words":12,"start":2122.665,"end":2128.205},{"sentences":[{"text":"Okay.","start":2129.4,"end":2129.7998,"sentiment":"neutral","sentiment_score":0.03456761687994003},{"text":"And","start":2129.7998,"end":2130.0398,"sentiment":"neutral","sentiment_score":0.028718961402773857}],"sentiment":"neutral","sentiment_score":0.031643289141356945,"channel":0,"num_words":2,"start":2129.4,"end":2130.0398},{"sentences":[{"text":"It","start":2130.0251,"end":2130.185,"sentiment":"neutral","sentiment_score":0.02539217844605446}],"sentiment":"neutral","sentiment_score":0.02539217844605446,"channel":1,"num_words":1,"start":2130.0251,"end":2130.185},{"sentences":[{"text":"that's","start":2130.0398,"end":2130.3599,"sentiment":"neutral","sentiment_score":0.031264528632164}],"sentiment":"neutral","sentiment_score":0.031264528632164,"channel":0,"num_words":1,"start":2130.0398,"end":2130.3599},{"sentences":[{"text":"just","start":2130.185,"end":2130.685,"sentiment":"neutral","sentiment_score":0.028247803449630737}],"sentiment":"neutral","sentiment_score":0.028247803449630737,"channel":1,"num_words":1,"start":2130.185,"end":2130.685},{"sentences":[{"text":"$5.60.","start":2130.3599,"end":2131.26,"sentiment":"neutral","sentiment_score":0.03036610409617424}],"sentiment":"neutral","sentiment_score":0.03036610409617424,"channel":0,"num_words":1,"start":2130.3599,"end":2131.26},{"sentences":[{"text":"yeah.","start":2131.8652,"end":2132.1052,"sentiment":"neutral","sentiment_score":0.03754022717475891},{"text":"Just","start":2132.1052,"end":2132.425,"sentiment":"neutral","sentiment_score":0.029787473380565643}],"sentiment":"neutral","sentiment_score":0.03366385027766228,"channel":1,"num_words":2,"start":2131.8652,"end":2132.425},{"sentences":[{"text":"Yes.","start":2132.3599,"end":2132.68,"sentiment":"neutral","sentiment_score":0.024667754769325256}],"sentiment":"neutral","sentiment_score":0.024667754769325256,"channel":0,"num_words":1,"start":2132.3599,"end":2132.68},{"sentences":[{"text":"adding","start":2132.425,"end":2132.745,"sentiment":"neutral","sentiment_score":0.002826127223670482}],"sentiment":"neutral","sentiment_score":0.002826127223670482,"channel":1,"num_words":1,"start":2132.425,"end":2132.745},{"sentences":[{"text":"Sorry.","start":2132.68,"end":2133.18,"sentiment":"neutral","sentiment_score":-0.022892005741596225}],"sentiment":"neutral","sentiment_score":-0.022892005741596225,"channel":0,"num_words":1,"start":2132.68,"end":2133.18},{"sentences":[{"text":"to that.","start":2132.745,"end":2133.145,"sentiment":"neutral","sentiment_score":-0.02016468346118927},{"text":"The the way that the this is all structured, there's a master facility is what they call it.","start":2133.145,"end":2139.06,"sentiment":"neutral","sentiment_score":-0.021955763403740194}],"sentiment":"neutral","sentiment_score":-0.0217766554094851,"channel":1,"num_words":20,"start":2132.745,"end":2139.06},{"sentences":[{"text":"Yep.","start":2138.7751,"end":2139.2751,"sentiment":"neutral","sentiment_score":-0.004022983834147453}],"sentiment":"neutral","sentiment_score":-0.004022983834147453,"channel":0,"num_words":1,"start":2138.7751,"end":2139.2751},{"sentences":[{"text":"So that's actually debt that's related with deposits and stuff for those houses.","start":2139.52,"end":2145.14,"sentiment":"neutral","sentiment_score":-0.0526984568971854},{"text":"So you would have to add that debt as 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properties.","start":2154.425,"end":2158.445,"sentiment":"neutral","sentiment_score":0.07793641661604246},{"text":"So","start":2158.825,"end":2159.145,"sentiment":"neutral","sentiment_score":0.05868477374315262}],"sentiment":"neutral","sentiment_score":0.07673318893648684,"channel":1,"num_words":16,"start":2154.425,"end":2159.145},{"sentences":[{"text":"Yep.","start":2158.95,"end":2159.45,"sentiment":"neutral","sentiment_score":0.04827038571238518}],"sentiment":"neutral","sentiment_score":0.04827038571238518,"channel":0,"num_words":1,"start":2158.95,"end":2159.45},{"sentences":[{"text":"the amount that's owing in that is 360.","start":2159.145,"end":2162.605,"sentiment":"neutral","sentiment_score":0.04676771257072687}],"sentiment":"neutral","sentiment_score":0.04676771257072687,"channel":1,"num_words":8,"start":2159.145,"end":2162.605},{"sentences":[{"text":"Okay.","start":2165.5552,"end":2166.0552,"sentiment":"neutral","sentiment_score":0.12493999302387238}],"sentiment":"neutral","sentiment_score":0.12493999302387238,"channel":0,"num_words":1,"start":2165.5552,"end":2166.0552},{"sentences":[{"text":"So that brings","start":2168.4001,"end":2169.04,"sentiment":"neutral","sentiment_score":0.18010698755582175}],"sentiment":"neutral","sentiment_score":0.18010698755582175,"channel":1,"num_words":3,"start":2168.4001,"end":2169.04},{"sentences":[{"text":"Perfect.","start":2168.915,"end":2169.415,"sentiment":"neutral","sentiment_score":0.29693716764450073}],"sentiment":"neutral","sentiment_score":0.29693716764450073,"channel":0,"num_words":1,"start":2168.915,"end":2169.415},{"sentences":[{"text":"us Dunbury and the WA Property loan ratio higher.","start":2169.04,"end":2174.98,"sentiment":"neutral","sentiment_score":0.15760265870226753}],"sentiment":"neutral","sentiment_score":0.15760265870226753,"channel":1,"num_words":9,"start":2169.04,"end":2174.98},{"sentences":[{"text":"Yes.","start":2175.81,"end":2176.31,"sentiment":"neutral","sentiment_score":0.09243739396333694}],"sentiment":"neutral","sentiment_score":0.09243739396333694,"channel":0,"num_words":1,"start":2175.81,"end":2176.31},{"sentences":[{"text":"So 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did","start":2201.2798,"end":2201.8398,"sentiment":"neutral","sentiment_score":0.13143884390592575}],"sentiment":"neutral","sentiment_score":0.13143884390592575,"channel":1,"num_words":2,"start":2201.2798,"end":2201.8398},{"sentences":[{"text":"Perfect.","start":2201.64,"end":2202.14,"sentiment":"neutral","sentiment_score":0.1994621604681015}],"sentiment":"neutral","sentiment_score":0.1994621604681015,"channel":0,"num_words":1,"start":2201.64,"end":2202.14},{"sentences":[{"text":"just do the valuations the other day for us.","start":2201.8398,"end":2203.68,"sentiment":"neutral","sentiment_score":0.1241892162296507},{"text":"We do actually look at the documents 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$7.50.","start":2216.885,"end":2219.7651,"sentiment":"neutral","sentiment_score":0.04891542457044125},{"text":"Mhmm.","start":2219.7651,"end":2220.18,"sentiment":"neutral","sentiment_score":0.017917251214385033}],"sentiment":"neutral","sentiment_score":0.07880798199524482,"channel":1,"num_words":18,"start":2215.2852,"end":2220.18},{"sentences":[{"text":"$7.50?","start":2220.185,"end":2220.825,"sentiment":"neutral","sentiment_score":0.024199103936553},{"text":"Yep.","start":2220.825,"end":2221.145,"sentiment":"neutral","sentiment_score":0.1208982765674591},{"text":"That's okay.","start":2221.145,"end":2221.9648,"sentiment":"neutral","sentiment_score":0.2610774338245392},{"text":"And the one just outside of Harvey Bay, we had a an asset value of 650,000 on that one.","start":2222.265,"end":2227.9648,"sentiment":"neutral","sentiment_score":0.08292526438048012}],"sentiment":"neutral","sentiment_score":0.09751444658183533,"channel":0,"num_words":23,"start":2220.185,"end":2227.9648},{"sentences":[{"text":"Yeah.","start":2229.46,"end":2229.6199,"sentiment":"neutral","sentiment_score":0.0849376767873764},{"text":"I think it's more now.","start":2229.6199,"end":2230.66,"sentiment":"neutral","sentiment_score":0.06079050377011299},{"text":"I think it's probably I've got one.","start":2230.66,"end":2235.405,"sentiment":"neutral","sentiment_score":0.0395519637635776},{"text":"That document $7.50?","start":2235.405,"end":2236.7651,"sentiment":"neutral","sentiment_score":0.020093807329734165},{"text":"Yes.","start":2236.7651,"end":2236.925,"sentiment":"neutral","sentiment_score":0.027899567037820816}],"sentiment":"neutral","sentiment_score":0.04434911358882399,"channel":1,"num_words":17,"start":2229.46,"end":2236.925},{"sentences":[{"text":"Maybe maybe 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income.","start":2258.89,"end":2271.3948,"sentiment":"neutral","sentiment_score":0.1976696390658617}],"sentiment":"neutral","sentiment_score":0.2313533719967712,"channel":0,"num_words":44,"start":2254.41,"end":2271.3948},{"sentences":[{"text":"So when you consider what the account is gonna look at with from the property is, what do you estimate your total income should be gross this year?","start":2271.3948,"end":2279.575,"sentiment":"neutral","sentiment_score":0.096618029954178}],"sentiment":"neutral","sentiment_score":0.096618029954178,"channel":0,"num_words":28,"start":2271.3948,"end":2279.575},{"sentences":[{"text":"Oh, good 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is gonna sound silly, but we just want as 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off of work.","start":2558.62,"end":2561.28,"sentiment":"neutral","sentiment_score":-0.04396482060352961}],"sentiment":"neutral","sentiment_score":-0.04396482060352961,"channel":1,"num_words":9,"start":2558.62,"end":2561.28},{"sentences":[{"text":"Yep.","start":2561.615,"end":2562.115,"sentiment":"neutral","sentiment_score":-0.003722554072737694}],"sentiment":"neutral","sentiment_score":-0.003722554072737694,"channel":0,"num_words":1,"start":2561.615,"end":2562.115},{"sentences":[{"text":"But, like, last year,","start":2562.22,"end":2563.26,"sentiment":"neutral","sentiment_score":-0.0019706501625478268}],"sentiment":"neutral","sentiment_score":-0.0019706501625478268,"channel":1,"num_words":4,"start":2562.22,"end":2563.26},{"sentences":[{"text":"Yep.","start":2563.23,"end":2563.73,"sentiment":"neutral","sentiment_score":0.001881978241726756}],"sentiment":"neutral","sentiment_score":0.001881978241726756,"channel":0,"num_words":1,"start":2563.23,"end":2563.73},{"sentences":[{"text":"we 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relevant there.","start":2609.7349,"end":2621.3398,"sentiment":"neutral","sentiment_score":0.15625682975287022},{"text":"In the meantime, I can do a bit of research around what we've got, what what this might look projected wise, and then we can always come back and and reassess and do a nice big advice piece for you.","start":2621.4,"end":2631.7048,"sentiment":"neutral","sentiment_score":0.15556069212034346}],"sentiment":"neutral","sentiment_score":0.1880929000261757,"channel":0,"num_words":126,"start":2599.5,"end":2631.7048},{"sentences":[{"text":"Does that sound okay?","start":2631.7048,"end":2632.765,"sentiment":"neutral","sentiment_score":0.1479689758270979}],"sentiment":"neutral","sentiment_score":0.1479689758270979,"channel":0,"num_words":4,"start":2631.7048,"end":2632.765},{"sentences":[{"text":"Yep.","start":2633.005,"end":2633.505,"sentiment":"neutral","sentiment_score":0.2137211263179779},{"text":"Sounds 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up.","start":2649.74,"end":2651.5198,"sentiment":"positive","sentiment_score":0.41432285904884336}],"sentiment":"neutral","sentiment_score":0.17365279478522447,"channel":0,"num_words":40,"start":2634.905,"end":2651.5198},{"sentences":[{"text":"Having a look back at your annual review last year when you completed that with Tommy there, the balance in your account then was 96,209 and 70¢.","start":2651.5798,"end":2660.935,"sentiment":"neutral","sentiment_score":0.11836846015201165},{"text":"So your super has done really, really well when we kinda break that down.","start":2660.935,"end":2664.775,"sentiment":"positive","sentiment_score":0.46838480340582983},{"text":"You're in that high growth kind of environment there.","start":2664.775,"end":2667.175,"sentiment":"neutral","sentiment_score":0.19340329782830346},{"text":"So at the moment, and in a high growth portfolio, you wanna see about 90% of your funds in those growth assets.","start":2667.175,"end":2673.42,"sentiment":"neutral","sentiment_score":0.14694549735974183},{"text":"So things like Australian shares, international shares, listed property, and commodities like gold and silver, that's where you tend to see a lot of the returns from moving forward, and that's where you also see those those ups and downs of volatility that kinda make us a bit nervous as well.","start":2673.42,"end":2687.74,"sentiment":"neutral","sentiment_score":-0.0695440435380328}],"sentiment":"neutral","sentiment_score":0.09066927552101064,"channel":0,"num_words":123,"start":2651.5798,"end":2687.74},{"sentences":[{"text":"So at the moment, your current exposure is sitting at 93 there, which is within that range of what we'd like to see.","start":2687.74,"end":2694.485,"sentiment":"neutral","sentiment_score":-0.020710129128850025},{"text":"And then you've got about 7% 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for your high growth environment, and 7% defense is not bad at all.","start":2712.99,"end":2721.5652,"sentiment":"positive","sentiment_score":0.5768649422874054},{"text":"When I have a look at the total of how your portfolio has performed, Sorry.","start":2722.5051,"end":2728.01,"sentiment":"neutral","sentiment_score":0.10432424396276474},{"text":"I'm just bringing","start":2728.01,"end":2728.49,"sentiment":"neutral","sentiment_score":-0.02920847199857235}],"sentiment":"positive","sentiment_score":0.35848591979989347,"channel":0,"num_words":47,"start":2712.03,"end":2728.49},{"sentences":[{"text":"Yep.","start":2728.47,"end":2728.97,"sentiment":"neutral","sentiment_score":0.03279280290007591}],"sentiment":"neutral","sentiment_score":0.03279280290007591,"channel":1,"num_words":1,"start":2728.47,"end":2728.97},{"sentences":[{"text":"up the report.","start":2728.49,"end":2729.05,"sentiment":"neutral","sentiment_score":0.06813503553469975},{"text":"I do apologize.","start":2729.05,"end":2729.8699,"sentiment":"neutral","sentiment_score":-0.08676090588172276},{"text":"Might be one","start":2729.93,"end":2730.57,"sentiment":"neutral","sentiment_score":-0.04781199743350347}],"sentiment":"neutral","sentiment_score":-0.02214595592684216,"channel":0,"num_words":9,"start":2728.49,"end":2730.57},{"sentences":[{"text":"Yeah.","start":2730.47,"end":2730.97,"sentiment":"neutral","sentiment_score":-0.03448345512151718}],"sentiment":"neutral","sentiment_score":-0.03448345512151718,"channel":1,"num_words":1,"start":2730.47,"end":2730.97},{"sentences":[{"text":"second.","start":2730.57,"end":2731.07,"sentiment":"neutral","sentiment_score":-0.024366460740566257},{"text":"Just gotta open it up.","start":2731.29,"end":2732.67,"sentiment":"neutral","sentiment_score":-0.04127282500267029},{"text":"Oops.","start":2737.45,"end":2737.8499,"sentiment":"neutral","sentiment_score":-0.10488764941692352},{"text":"My computer's a little bit 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there.","start":2745.2449,"end":2751.885,"sentiment":"neutral","sentiment_score":0.2523973625567224},{"text":"So not bad in any way, shape, or form.","start":2751.885,"end":2754.305,"sentiment":"positive","sentiment_score":0.3535672492451138},{"text":"With the high growth environment, as I kinda mentioned before, you are sort of wanting to be invested for at least eight years before accessing that super because of the risk that you are taking and the exposure that we do see there.","start":2754.6848,"end":2766.2,"sentiment":"neutral","sentiment_score":0.1524804589706798},{"text":"This you you're still really young.","start":2766.5,"end":2768.18,"sentiment":"neutral","sentiment_score":0.07212257136901219},{"text":"You've got a lot more time than eight years before you're able to access your super at this stage.","start":2768.18,"end":2771.945,"sentiment":"neutral","sentiment_score":0.15277018398046494}],"sentiment":"neutral","sentiment_score":0.18544512030325438,"channel":0,"num_words":95,"start":2745.2449,"end":2771.945},{"sentences":[{"text":"So you do fit within that high growth sort of environment there.","start":2771.945,"end":2774.925,"sentiment":"positive","sentiment_score":0.3820111354192098},{"text":"And when we are looking at long term sustainable returns, the high growth portfolio, we're looking to achieve around about eight to 10% on a yearly basis.","start":2774.985,"end":2782.905,"sentiment":"positive","sentiment_score":0.40245271536211175},{"text":"So the fact that you've received 12.39% net of fees, it's after our ongoing fee as well as any admin fees or super fees that are deducted there, does show that your portfolio has well and truly overperformed for the year, which is a really solid return.","start":2782.905,"end":2798.14,"sentiment":"positive","sentiment_score":0.5261184617559961},{"text":"I tend to give everyone the the performance as a percentage, but also as a dollar figure as well.","start":2798.835,"end":2805.015,"sentiment":"neutral","sentiment_score":0.32504978854405253},{"text":"So the income and the growth, and that's what we're looking at.","start":2805.075,"end":2807.715,"sentiment":"neutral","sentiment_score":0.16830757508675256}],"sentiment":"positive","sentiment_score":0.4134492438095502,"channel":0,"num_words":117,"start":2771.945,"end":2807.715},{"sentences":[{"text":"Your contributions do go into the portfolio, but they're essentially seen as capital or principal.","start":2807.715,"end":2812.695,"sentiment":"neutral","sentiment_score":0.11807325780391693},{"text":"We look at when we're looking at the returns, the internal rate of return, the income that's produced out of those investments and the additional growth, so the changes in the market price of the investments there.","start":2813.09,"end":2824.37,"sentiment":"neutral","sentiment_score":0.144675827106914},{"text":"And it shows that for the year, you've made about 14,003 sorry.","start":2824.37,"end":2828.29,"sentiment":"neutral","sentiment_score":0.3083171670635541},{"text":"$14,735.80 per year.","start":2828.29,"end":2831.945,"sentiment":"neutral","sentiment_score":0.24886777003606161},{"text":"So it's a really good return.","start":2831.945,"end":2833.465,"sentiment":"positive","sentiment_score":0.7288987040519714}],"sentiment":"neutral","sentiment_score":0.21840967135886624,"channel":0,"num_words":73,"start":2807.715,"end":2833.465},{"sentences":[{"text":"You've achieved really well for the year, and it's it's really happy with that.","start":2833.465,"end":2837.465,"sentiment":"positive","sentiment_score":0.7070987394877842},{"text":"Did you have any questions so far about any of it?","start":2837.465,"end":2839.705,"sentiment":"neutral","sentiment_score":0.09864160418510437},{"text":"Sorry.","start":2839.705,"end":2840.205,"sentiment":"neutral","sentiment_score":-0.01064358651638031}],"sentiment":"positive","sentiment_score":0.42206909278264415,"channel":0,"num_words":26,"start":2833.465,"end":2840.205},{"sentences":[{"text":"Okay.","start":2840.655,"end":2840.895,"sentiment":"neutral","sentiment_score":-0.0012886538170278072},{"text":"You're right.","start":2840.895,"end":2841.455,"sentiment":"neutral","sentiment_score":-0.01643260708078742},{"text":"I don't think","start":2841.455,"end":2842.255,"sentiment":"neutral","sentiment_score":-0.05741721764206886}],"sentiment":"neutral","sentiment_score":-0.03440092015080154,"channel":1,"num_words":6,"start":2840.655,"end":2842.255},{"sentences":[{"text":"Yes.","start":2842.14,"end":2842.64,"sentiment":"neutral","sentiment_score":-0.04153331369161606}],"sentiment":"neutral","sentiment_score":-0.04153331369161606,"channel":0,"num_words":1,"start":2842.14,"end":2842.64},{"sentences":[{"text":"so.","start":2842.255,"end":2842.575,"sentiment":"neutral","sentiment_score":-0.04853474721312523},{"text":"No.","start":2842.575,"end":2842.895,"sentiment":"neutral","sentiment_score":-0.08149618655443192},{"text":"Because I don't really","start":2842.895,"end":2844.115,"sentiment":"neutral","sentiment_score":-0.07674891129136086}],"sentiment":"neutral","sentiment_score":-0.0728377631555001,"channel":1,"num_words":6,"start":2842.255,"end":2844.115},{"sentences":[{"text":"Yeah.","start":2843.8198,"end":2844.3198,"sentiment":"neutral","sentiment_score":-0.05076489597558975}],"sentiment":"neutral","sentiment_score":-0.05076489597558975,"channel":0,"num_words":1,"start":2843.8198,"end":2844.3198},{"sentences":[{"text":"obviously, because you can't access your super for so long, and we are obviously","start":2845.135,"end":2848.415,"sentiment":"neutral","sentiment_score":-0.07446763983794621}],"sentiment":"neutral","sentiment_score":-0.07446763983794621,"channel":1,"num_words":14,"start":2845.135,"end":2848.415},{"sentences":[{"text":"Yeah.","start":2848.14,"end":2848.64,"sentiment":"neutral","sentiment_score":-0.038895655423402786}],"sentiment":"neutral","sentiment_score":-0.038895655423402786,"channel":0,"num_words":1,"start":2848.14,"end":2848.64},{"sentences":[{"text":"planning on retiring before you can access it.","start":2848.415,"end":2850.78,"sentiment":"neutral","sentiment_score":-0.0607785377651453},{"text":"We're sort","start":2850.86,"end":2851.18,"sentiment":"neutral","sentiment_score":-0.014562421478331089}],"sentiment":"neutral","sentiment_score":-0.05153531450778246,"channel":1,"num_words":10,"start":2848.415,"end":2851.18},{"sentences":[{"text":"Yeah.","start":2851.0999,"end":2851.5999,"sentiment":"neutral","sentiment_score":0.007143499329686165}],"sentiment":"neutral","sentiment_score":0.007143499329686165,"channel":0,"num_words":1,"start":2851.0999,"end":2851.5999},{"sentences":[{"text":"of just wanting to have the Zebra as, like, a backup.","start":2851.18,"end":2855.36,"sentiment":"neutral","sentiment_score":0.01884551617232236}],"sentiment":"neutral","sentiment_score":0.01884551617232236,"channel":1,"num_words":11,"start":2851.18,"end":2855.36},{"sentences":[{"text":"Yes.","start":2855.835,"end":2856.335,"sentiment":"neutral","sentiment_score":0.14199315011501312}],"sentiment":"neutral","sentiment_score":0.14199315011501312,"channel":0,"num_words":1,"start":2855.835,"end":2856.335},{"sentences":[{"text":"So as long as it's growing and it's growing well, I'm I'm very happy with that.","start":2856.7,"end":2860.4001,"sentiment":"positive","sentiment_score":0.3700609393417835}],"sentiment":"positive","sentiment_score":0.3700609393417835,"channel":1,"num_words":16,"start":2856.7,"end":2860.4001},{"sentences":[{"text":"Perfect.","start":2860.7952,"end":2861.2952,"sentiment":"positive","sentiment_score":0.6273006200790405},{"text":"Fantastic.","start":2861.595,"end":2862.095,"sentiment":"positive","sentiment_score":0.5212509632110596},{"text":"When I do have a look at some of the investments in there, I can see one that is underperforming a little bit.","start":2863.0352,"end":2868.075,"sentiment":"neutral","sentiment_score":-0.047245456310717956},{"text":"And I know when Tommy spoke to you last year, he talked to you about the Australian equities component that been along Australian equities managed fund in there.","start":2868.075,"end":2874.8499,"sentiment":"neutral","sentiment_score":-0.032494581038398404},{"text":"Do you remember kinda talking to him about that last year?","start":2874.8499,"end":2877.67,"sentiment":"neutral","sentiment_score":-0.026570012284950775}],"sentiment":"neutral","sentiment_score":-0.017815817438531667,"channel":0,"num_words":64,"start":2860.7952,"end":2877.67},{"sentences":[{"text":"I do, Bailey.","start":2877.98,"end":2878.8599,"sentiment":"neutral","sentiment_score":-0.008829404599964619},{"text":"Yeah.","start":2878.8599,"end":2879.0999,"sentiment":"neutral","sentiment_score":-0.012767236679792404},{"text":"Yeah.","start":2879.0999,"end":2879.3398,"sentiment":"neutral","sentiment_score":-0.01667768880724907},{"text":"I think he","start":2879.3398,"end":2879.98,"sentiment":"neutral","sentiment_score":-0.024747394025325775}],"sentiment":"neutral","sentiment_score":-0.016271915170364082,"channel":1,"num_words":8,"start":2877.98,"end":2879.98},{"sentences":[{"text":"Yeah.","start":2879.8098,"end":2880.3098,"sentiment":"neutral","sentiment_score":-0.025727946311235428}],"sentiment":"neutral","sentiment_score":-0.025727946311235428,"channel":0,"num_words":1,"start":2879.8098,"end":2880.3098},{"sentences":[{"text":"just said that they'll just monitor it from memory.","start":2879.98,"end":2882.64,"sentiment":"neutral","sentiment_score":-0.03618766119082769}],"sentiment":"neutral","sentiment_score":-0.03618766119082769,"channel":1,"num_words":9,"start":2879.98,"end":2882.64},{"sentences":[{"text":"Yeah.","start":2882.945,"end":2883.105,"sentiment":"neutral","sentiment_score":-0.04384795576334},{"text":"Yeah.","start":2883.105,"end":2883.605,"sentiment":"neutral","sentiment_score":-0.06724104285240173},{"text":"So it looks like last year was over underperforming a little bit there.","start":2883.745,"end":2887.665,"sentiment":"neutral","sentiment_score":-0.20410707363715538},{"text":"And having a look at it now, it is still underperforming.","start":2887.665,"end":2890.085,"sentiment":"neutral","sentiment_score":-0.19961370730941946},{"text":"So I would like to maybe update the advice for you and remove that out of that.","start":2890.385,"end":2894.7,"sentiment":"neutral","sentiment_score":0.012150211807559519}],"sentiment":"neutral","sentiment_score":-0.11055065431567125,"channel":0,"num_words":43,"start":2882.945,"end":2894.7},{"sentences":[{"text":"I can also incorporate that into the advice piece for you.","start":2894.7,"end":2898.08,"sentiment":"neutral","sentiment_score":0.11117388172583147},{"text":"Maybe look at moving that out and putting something in its place that hasn't been underperforming as much.","start":2898.54,"end":2903.18,"sentiment":"neutral","sentiment_score":0.0611730313135518},{"text":"It might also be a bit more cost effective for you to find a cheaper managed investment.","start":2903.18,"end":2908.3,"sentiment":"neutral","sentiment_score":0.14993240640443914},{"text":"Would that sound okay?","start":2908.3,"end":2909.52,"sentiment":"neutral","sentiment_score":0.13009268417954445}],"sentiment":"neutral","sentiment_score":0.10786497816443444,"channel":0,"num_words":50,"start":2894.7,"end":2909.52},{"sentences":[{"text":"Yes.","start":2909.8499,"end":2910.0898,"sentiment":"neutral","sentiment_score":0.1542544066905975},{"text":"Yes.","start":2910.0898,"end":2910.41,"sentiment":"neutral","sentiment_score":0.21466290950775144},{"text":"Sounds 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funder.","start":2919.295,"end":2921.535,"sentiment":"neutral","sentiment_score":0.08485950316701617}],"sentiment":"neutral","sentiment_score":0.22320104110985994,"channel":0,"num_words":32,"start":2911.375,"end":2921.535},{"sentences":[{"text":"They generally hold between 15 to 25 different investment options.","start":2921.535,"end":2924.9949,"sentiment":"neutral","sentiment_score":0.06726191714406013},{"text":"The investment manager of that is more of an active manager, so their job is to buy and sell investments, time the market, and try to outperform against the market or the indices that they're trying to sort of track.","start":2925.36,"end":2935.4602,"sentiment":"neutral","sentiment_score":0.09674013359472156},{"text":"We can, if you wanted to, look to maybe reduce the cost a bit and change that to have a more passive investment.","start":2936.08,"end":2942.745,"sentiment":"neutral","sentiment_score":0.07955378553141719},{"text":"Passive investments might be more diversified, have more underlying investments there, and are designed to track the market or the industries instead of trying to outperform it, which means that they have less risk of underperforming against the market.","start":2943.445,"end":2956.7102,"sentiment":"neutral","sentiment_score":0.14234593596595985},{"text":"Did you want me to look at something more cost perspective, or did you want more of an actively managed in there?","start":2956.7102,"end":2961.59,"sentiment":"neutral","sentiment_score":0.015541898340664127}],"sentiment":"neutral","sentiment_score":0.09153264812402316,"channel":0,"num_words":134,"start":2921.535,"end":2961.59},{"sentences":[{"text":"Or what's your thoughts around that?","start":2961.59,"end":2963.37,"sentiment":"neutral","sentiment_score":0.019823784629503887}],"sentiment":"neutral","sentiment_score":0.019823784629503887,"channel":0,"num_words":6,"start":2961.59,"end":2963.37},{"sentences":[{"text":"I'm honestly just happy to go with whatever you guys think is best for","start":2964.23,"end":2967.7551,"sentiment":"positive","sentiment_score":0.3377297467419079}],"sentiment":"positive","sentiment_score":0.3377297467419079,"channel":1,"num_words":14,"start":2964.23,"end":2967.7551},{"sentences":[{"text":"Yeah.","start":2967.605,"end":2968.105,"sentiment":"neutral","sentiment_score":0.21185410022735596}],"sentiment":"neutral","sentiment_score":0.21185410022735596,"channel":0,"num_words":1,"start":2967.605,"end":2968.105},{"sentences":[{"text":"the super.","start":2967.7551,"end":2968.415,"sentiment":"neutral","sentiment_score":0.19932131469249725},{"text":"Yeah.","start":2968.5552,"end":2968.7952,"sentiment":"neutral","sentiment_score":0.11712250113487244},{"text":"Whatever","start":2968.7952,"end":2969.115,"sentiment":"neutral","sentiment_score":0.11780865490436554}],"sentiment":"neutral","sentiment_score":0.15839344635605812,"channel":1,"num_words":4,"start":2967.7551,"end":2969.115},{"sentences":[{"text":"Yeah.","start":2968.965,"end":2969.465,"sentiment":"neutral","sentiment_score":0.13097313046455383}],"sentiment":"neutral","sentiment_score":0.13097313046455383,"channel":0,"num_words":1,"start":2968.965,"end":2969.465},{"sentences":[{"text":"you'd recommend.","start":2969.115,"end":2969.855,"sentiment":"neutral","sentiment_score":0.193932943046093}],"sentiment":"neutral","sentiment_score":0.193932943046093,"channel":1,"num_words":2,"start":2969.115,"end":2969.855},{"sentences":[{"text":"Perfect.","start":2970.725,"end":2971.225,"sentiment":"positive","sentiment_score":0.5179862380027771},{"text":"I'll have a really good look at everything for you.","start":2971.605,"end":2973.525,"sentiment":"positive","sentiment_score":0.3334397166967392},{"text":"I can incorporate that into the advice piece of your contribution if you like,","start":2973.525,"end":2976.9849,"sentiment":"neutral","sentiment_score":0.3027055838278362}],"sentiment":"neutral","sentiment_score":0.323610463142395,"channel":0,"num_words":25,"start":2970.725,"end":2976.9849},{"sentences":[{"text":"Yep.","start":2977.115,"end":2977.615,"sentiment":"neutral","sentiment_score":0.18936443328857425}],"sentiment":"neutral","sentiment_score":0.18936443328857425,"channel":1,"num_words":1,"start":2977.115,"end":2977.615},{"sentences":[{"text":"and then we can come back and have a really good chat about what we're what we're gonna switch that for you.","start":2977.205,"end":2982.38,"sentiment":"neutral","sentiment_score":0.21807541088624435},{"text":"Okay?","start":2982.38,"end":2982.88,"sentiment":"neutral","sentiment_score":0.12604010105133057}],"sentiment":"neutral","sentiment_score":0.2140738756760307,"channel":0,"num_words":23,"start":2977.205,"end":2982.88},{"sentences":[{"text":"Yep.","start":2982.875,"end":2983.32,"sentiment":"neutral","sentiment_score":0.15651194751262665},{"text":"That sounds","start":2983.48,"end":2984.06,"sentiment":"positive","sentiment_score":0.3368510454893112}],"sentiment":"neutral","sentiment_score":0.2767380128304164,"channel":1,"num_words":3,"start":2982.875,"end":2984.06},{"sentences":[{"text":"Perfect.","start":2984.06,"end":2984.56,"sentiment":"neutral","sentiment_score":0.3270424008369446},{"text":"Now the other thing to sorta have a chat about is the insurance side of things.","start":2985.3398,"end":2988.46,"sentiment":"neutral","sentiment_score":0.0370681673521176},{"text":"So just having a look, you do have insurances that are paid out of your super fund at the moment.","start":2988.46,"end":2992.96,"sentiment":"neutral","sentiment_score":0.031198127288371326},{"text":"With your MetLife","start":2993.645,"end":2994.545,"sentiment":"neutral","sentiment_score":0.08358033498128255}],"sentiment":"neutral","sentiment_score":0.044870915729552506,"channel":0,"num_words":40,"start":2984.06,"end":2994.545},{"sentences":[{"text":"good.","start":2994.6802,"end":2995.1802,"sentiment":"neutral","sentiment_score":0.10457874834537506}],"sentiment":"neutral","sentiment_score":0.10457874834537506,"channel":1,"num_words":1,"start":2994.6802,"end":2995.1802},{"sentences":[{"text":"policy there, you do have you've got some life cover.","start":2994.685,"end":2998.385,"sentiment":"neutral","sentiment_score":0.060857174918055534},{"text":"So the life cover has some insured at the moment of 551,250.","start":2998.685,"end":3004.545,"sentiment":"neutral","sentiment_score":0.027409772233416636},{"text":"You have the same amount of TBD cover there.","start":3004.765,"end":3007.5,"sentiment":"neutral","sentiment_score":0.018186520371172164},{"text":"Having a look, you don't have any income protection and don't have any trauma or any additional covers outside of so far.","start":3007.74,"end":3014.96,"sentiment":"neutral","sentiment_score":-0.03483060201291333},{"text":"Are you happy with the amount of coverage that you have given that your investment properties are pretty well, you know, self managed and you're paying them down nice and fast and you have very much low expenditure.","start":3015.34,"end":3025.195,"sentiment":"neutral","sentiment_score":0.29913729272390666}],"sentiment":"neutral","sentiment_score":0.12859463273127983,"channel":0,"num_words":91,"start":2994.685,"end":3025.195},{"sentences":[{"text":"Or did you wanna maybe look at reevaluating those levels of cover?","start":3025.655,"end":3028.8552,"sentiment":"neutral","sentiment_score":0.022313229584445555},{"text":"What are your thoughts there at the moment?","start":3028.8552,"end":3030.5552,"sentiment":"neutral","sentiment_score":-0.006037919665686786}],"sentiment":"neutral","sentiment_score":0.010972769884392618,"channel":0,"num_words":20,"start":3025.655,"end":3030.5552},{"sentences":[{"text":"No.","start":3031.205,"end":3031.365,"sentiment":"neutral","sentiment_score":-0.19193148612976071},{"text":"I think I'm happy with how it is at the 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moment, all good.","start":3060.31,"end":3061.82,"sentiment":"neutral","sentiment_score":0.13136410154402256}],"sentiment":"neutral","sentiment_score":0.13136410154402256,"channel":1,"num_words":4,"start":3060.31,"end":3061.82},{"sentences":[{"text":"Absolutely.","start":3062.32,"end":3062.82,"sentiment":"positive","sentiment_score":0.33339613676071167},{"text":"Fantastic.","start":3063.1199,"end":3063.6199,"sentiment":"positive","sentiment_score":0.4744578003883362},{"text":"And just looking at the beneficiary side of things as well there.","start":3064.32,"end":3067.2,"sentiment":"neutral","sentiment_score":0.19970223804314932},{"text":"So I can see we do have Chris noted as your beneficiary in the event of passing your super and your life insurance is paid after him at a 100%.","start":3067.2,"end":3075.8599,"sentiment":"neutral","sentiment_score":0.14442400733629862}],"sentiment":"neutral","sentiment_score":0.17129547758535904,"channel":0,"num_words":44,"start":3062.32,"end":3075.8599},{"sentences":[{"text":"Yep.","start":3075.405,"end":3075.905,"sentiment":"neutral","sentiment_score":0.07855138182640076}],"sentiment":"neutral","sentiment_score":0.07855138182640076,"channel":1,"num_words":1,"start":3075.405,"end":3075.905},{"sentences":[{"text":"You're comfortable with that?","start":3076.0251,"end":3076.985,"sentiment":"neutral","sentiment_score":0.07885381113737822},{"text":"That's the way you want that sort of structured?","start":3076.985,"end":3078.7651,"sentiment":"neutral","sentiment_score":0.0900237758954366}],"sentiment":"neutral","sentiment_score":0.08658686366218787,"channel":0,"num_words":13,"start":3076.0251,"end":3078.7651},{"sentences":[{"text":"Yep.","start":3079.325,"end":3079.645,"sentiment":"neutral","sentiment_score":0.0783310979604721},{"text":"Yep.","start":3079.645,"end":3079.805,"sentiment":"neutral","sentiment_score":0.11137108504772186},{"text":"That's good.","start":3079.805,"end":3080.625,"sentiment":"neutral","sentiment_score":0.26519355177879333}],"sentiment":"neutral","sentiment_score":0.18002232164144516,"channel":1,"num_words":4,"start":3079.325,"end":3080.625},{"sentences":[{"text":"Yep.","start":3080.585,"end":3081.0652,"sentiment":"neutral","sentiment_score":0.2439427375793457},{"text":"Fantastic.","start":3081.0652,"end":3081.5652,"sentiment":"positive","sentiment_score":0.5368455648422241},{"text":"Look, everything is working really well very nicely.","start":3081.865,"end":3084.605,"sentiment":"positive","sentiment_score":0.6318606063723564},{"text":"I've got a really good idea of where we're sort of going with things.","start":3084.665,"end":3087.225,"sentiment":"positive","sentiment_score":0.5583278153623853},{"text":"There there's no need to sort of change the insurances now, which is a positive sign for you.","start":3087.225,"end":3091.645,"sentiment":"positive","sentiment_score":0.4842648075686561}],"sentiment":"positive","sentiment_score":0.5325959310645149,"channel":0,"num_words":42,"start":3080.585,"end":3091.645},{"sentences":[{"text":"Just double checking, having a look at the other estate planning side of things, I've got a note here that you do have a will and power of attorney.","start":3092.24,"end":3098.48,"sentiment":"neutral","sentiment_score":0.20288213625036436},{"text":"They're all still active and in place and reflect your current wishes.","start":3098.48,"end":3103.3599,"sentiment":"neutral","sentiment_score":0.2307787388563156},{"text":"Is that right?","start":3103.3599,"end":3104.26,"sentiment":"neutral","sentiment_score":0.13248440623283386}],"sentiment":"neutral","sentiment_score":0.20569045536897398,"channel":0,"num_words":44,"start":3092.24,"end":3104.26},{"sentences":[{"text":"Yep.","start":3104.395,"end":3104.715,"sentiment":"neutral","sentiment_score":0.09208425134420396},{"text":"That's correct.","start":3104.715,"end":3105.455,"sentiment":"neutral","sentiment_score":0.1474226787686348}],"sentiment":"neutral","sentiment_score":0.12897653629382452,"channel":1,"num_words":3,"start":3104.395,"end":3105.455},{"sentences":[{"text":"Yeah.","start":3105.785,"end":3106.265,"sentiment":"neutral","sentiment_score":0.24176546931266785},{"text":"Fantastic.","start":3106.265,"end":3106.765,"sentiment":"positive","sentiment_score":0.49877581000328064},{"text":"Perfect.","start":3107.1448,"end":3107.625,"sentiment":"positive","sentiment_score":0.4311684966087342},{"text":"And how's your health been for the last twelve months?","start":3107.625,"end":3109.785,"sentiment":"neutral","sentiment_score":0.1458840101957321},{"text":"No major changes.","start":3109.785,"end":3110.6648,"sentiment":"neutral","sentiment_score":0.03866411248842875}],"sentiment":"neutral","sentiment_score":0.17165888845920563,"channel":0,"num_words":16,"start":3105.785,"end":3110.6648},{"sentences":[{"text":"Everything's going really well?","start":3110.6648,"end":3112.2048,"sentiment":"neutral","sentiment_score":0.2309694066643715}],"sentiment":"neutral","sentiment_score":0.2309694066643715,"channel":0,"num_words":4,"start":3110.6648,"end":3112.2048},{"sentences":[{"text":"Yeah.","start":3112.54,"end":3112.78,"sentiment":"neutral","sentiment_score":0.05461863800883293},{"text":"No changes at all.","start":3112.78,"end":3114.16,"sentiment":"neutral","sentiment_score":0.0020913302432745695}],"sentiment":"neutral","sentiment_score":0.012596791796386241,"channel":1,"num_words":5,"start":3112.54,"end":3114.16},{"sentences":[{"text":"Oh, fantastic.","start":3114.505,"end":3115.4048,"sentiment":"positive","sentiment_score":0.5643378645181656},{"text":"That's what we wanna hear.","start":3115.545,"end":3116.825,"sentiment":"positive","sentiment_score":0.4180004596710205},{"text":"Excellent.","start":3116.825,"end":3117.325,"sentiment":"positive","sentiment_score":0.6281030178070068},{"text":"Excellent.","start":3117.7048,"end":3118.2048,"sentiment":"positive","sentiment_score":0.5321369171142578},{"text":"The only other thing to sort of confirm now, as we kinda mentioned you are in that high growth environment there, I've just got a really quick risk profile just to kinda gauge whether we've gotta make any changes to your portfolio.","start":3119.0,"end":3128.22,"sentiment":"neutral","sentiment_score":0.02057679467612789}],"sentiment":"neutral","sentiment_score":0.10280673213156999,"channel":0,"num_words":51,"start":3114.505,"end":3128.22},{"sentences":[{"text":"I don't think there are any changes to make there.","start":3128.5999,"end":3131.235,"sentiment":"neutral","sentiment_score":-0.0641473114490509},{"text":"You kinda sort of also mentioned to me that super sort of a backup plan.","start":3131.475,"end":3134.915,"sentiment":"neutral","sentiment_score":-0.009429805042843024},{"text":"Your main plan is, you know, looking at investment properties and investing in your own name outside of super there.","start":3134.915,"end":3141.415,"sentiment":"neutral","sentiment_score":-0.00793081414885819}],"sentiment":"neutral","sentiment_score":-0.020923032735784847,"channel":0,"num_words":45,"start":3128.5999,"end":3141.415},{"sentences":[{"text":"Yep.","start":3141.8499,"end":3142.3499,"sentiment":"neutral","sentiment_score":0.016431758180260658}],"sentiment":"neutral","sentiment_score":0.016431758180260658,"channel":1,"num_words":1,"start":3141.8499,"end":3142.3499},{"sentences":[{"text":"If you did see the market take a bit of a dip with your current balance and say it did fall by 20% in the next sort of one or two or even three years there, knowing that you're not able to access your money, how do you sort of feel about your super balance taking that sort of a dip in the short term?","start":3141.875,"end":3157.15,"sentiment":"neutral","sentiment_score":-0.061577462433622436},{"text":"Do you consider that you'd be quite concerned, maybe wanting to sell the investments?","start":3157.15,"end":3161.635,"sentiment":"neutral","sentiment_score":-0.050588849665863175},{"text":"Do you think it's maybe more of an investment opportunity, or are you probably just wanting to hold and wait and see what happens?","start":3161.855,"end":3168.175,"sentiment":"neutral","sentiment_score":-0.04165228510585924},{"text":"What's your thought?","start":3168.175,"end":3169.155,"sentiment":"neutral","sentiment_score":-0.017878137528896332}],"sentiment":"neutral","sentiment_score":-0.054378001968253334,"channel":0,"num_words":106,"start":3141.875,"end":3169.155},{"sentences":[{"text":"Yeah.","start":3169.48,"end":3169.8,"sentiment":"neutral","sentiment_score":-0.02017470821738243},{"text":"I'm not really phased.","start":3169.8,"end":3170.68,"sentiment":"neutral","sentiment_score":-0.09306185506284237},{"text":"I would just hold and wait.","start":3170.68,"end":3172.06,"sentiment":"neutral","sentiment_score":-0.07948575044671695},{"text":"Trust the process.","start":3172.12,"end":3173.02,"sentiment":"neutral","sentiment_score":0.023884550978740055}],"sentiment":"neutral","sentiment_score":-0.05697735558663096,"channel":1,"num_words":14,"start":3169.48,"end":3173.02},{"sentences":[{"text":"Yep.","start":3172.5898,"end":3173.0898,"sentiment":"neutral","sentiment_score":0.13607226312160492},{"text":"Trust the 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accurate?","start":3188.165,"end":3189.0652,"sentiment":"neutral","sentiment_score":0.07175592084725697}],"sentiment":"neutral","sentiment_score":0.09386537139388648,"channel":0,"num_words":22,"start":3183.0698,"end":3189.0652},{"sentences":[{"text":"Yep.","start":3189.5051,"end":3189.93,"sentiment":"neutral","sentiment_score":0.09143289178609848},{"text":"Sounds good.","start":3189.93,"end":3190.8298,"sentiment":"neutral","sentiment_score":0.1846088320016861}],"sentiment":"neutral","sentiment_score":0.1535501852631569,"channel":1,"num_words":3,"start":3189.5051,"end":3190.8298},{"sentences":[{"text":"Yep.","start":3190.645,"end":3191.145,"sentiment":"neutral","sentiment_score":0.16723817586898804},{"text":"Fantastic.","start":3191.205,"end":3191.705,"sentiment":"positive","sentiment_score":0.37738001346588135},{"text":"And the last one here is have you ever seen your super full in 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then.","start":3205.05,"end":3206.9749,"sentiment":"neutral","sentiment_score":0.053206533659249544},{"text":"But","start":3207.355,"end":3207.475,"sentiment":"neutral","sentiment_score":0.011833097785711288}],"sentiment":"neutral","sentiment_score":0.05107230258484682,"channel":1,"num_words":12,"start":3204.17,"end":3207.475},{"sentences":[{"text":"Yep.","start":3207.39,"end":3207.89,"sentiment":"neutral","sentiment_score":0.004010961391031742}],"sentiment":"neutral","sentiment_score":0.004010961391031742,"channel":0,"num_words":1,"start":3207.39,"end":3207.89},{"sentences":[{"text":"yeah.","start":3207.595,"end":3207.9148,"sentiment":"neutral","sentiment_score":-0.022966839373111725},{"text":"No.","start":3207.9148,"end":3208.075,"sentiment":"neutral","sentiment_score":-0.22757568955421448},{"text":"I'm not satisfied.","start":3208.075,"end":3208.7148,"sentiment":"negative","sentiment_score":-0.36398182312647503},{"text":"If it's going down, it's going 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you.","start":3282.175,"end":3290.99,"sentiment":"neutral","sentiment_score":0.136112518804638}],"sentiment":"neutral","sentiment_score":0.15552575420588255,"channel":0,"num_words":57,"start":3277.5352,"end":3290.99},{"sentences":[{"text":"Yep.","start":3291.22,"end":3291.675,"sentiment":"neutral","sentiment_score":0.08695390075445175}],"sentiment":"neutral","sentiment_score":0.08695390075445175,"channel":1,"num_words":1,"start":3291.22,"end":3291.675},{"sentences":[{"text":"In the meantime, I'm gonna shoot through after the call your annual review documents as there there as well.","start":3291.53,"end":3296.65,"sentiment":"neutral","sentiment_score":0.10820789282259188},{"text":"So it does have a portfolio report to show you.","start":3296.65,"end":3299.265,"sentiment":"neutral","sentiment_score":0.15945841521024703},{"text":"Essentially, what I was looking at when looking at the returns and give you a bit of a breakdown of how your super's been performing.","start":3299.505,"end":3304.565,"sentiment":"neutral","sentiment_score":0.1523967558145523},{"text":"It's also got the certificate of currency there for you.","start":3305.265,"end":3308.065,"sentiment":"neutral","sentiment_score":0.12915750592947006},{"text":"I've got the financial services guide.","start":3308.065,"end":3309.9048,"sentiment":"neutral","sentiment_score":0.07074295729398727}],"sentiment":"neutral","sentiment_score":0.1310926544879164,"channel":0,"num_words":70,"start":3291.53,"end":3309.9048},{"sentences":[{"text":"So I'm not sure if we've spoken before.","start":3309.9048,"end":3311.825,"sentiment":"neutral","sentiment_score":0.028449909761548042},{"text":"It doesn't look like we have, but I'm a full licensed adviser the same as the others here and Tommy was.","start":3311.825,"end":3316.98,"sentiment":"neutral","sentiment_score":0.06887539183454854},{"text":"Essentially, all of that information's in the financial services guide.","start":3317.2,"end":3320.24,"sentiment":"neutral","sentiment_score":0.06506299562752246},{"text":"That one's who I am, what I do, has a lovely picture of me in there for you if you wanna have a bit of a look at that, and, also, my registration information as I'm a licensed adviser through Asics.","start":3320.24,"end":3330.0452,"sentiment":"positive","sentiment_score":0.4587373733520508},{"text":"So you can have a bit of a look through that, get a bit of a guide on who we are, what we do, and how we do it.","start":3330.0452,"end":3334.685,"sentiment":"neutral","sentiment_score":0.3176417052745819}],"sentiment":"neutral","sentiment_score":0.278389488287065,"channel":0,"num_words":109,"start":3309.9048,"end":3334.685},{"sentences":[{"text":"And, Chris, if you wanted to have a bit of a look through that, absolutely.","start":3334.685,"end":3337.5051,"sentiment":"neutral","sentiment_score":0.23335664272308348},{"text":"It just breaks down a bit more around our services, who we are, what we do, how we do it, and what advisers essentially do.","start":3338.06,"end":3343.92,"sentiment":"neutral","sentiment_score":0.154778807759285},{"text":"I'll","start":3344.46,"end":3344.7,"sentiment":"neutral","sentiment_score":0.1806652992963791}],"sentiment":"neutral","sentiment_score":0.18415817400304282,"channel":0,"num_words":41,"start":3334.685,"end":3344.7},{"sentences":[{"text":"Yep.","start":3344.5999,"end":3345.0999,"sentiment":"neutral","sentiment_score":0.16192856431007385}],"sentiment":"neutral","sentiment_score":0.16192856431007385,"channel":1,"num_words":1,"start":3344.5999,"end":3345.0999},{"sentences":[{"text":"also have the ongoing service agreement attached there.","start":3344.7,"end":3347.74,"sentiment":"neutral","sentiment_score":0.1696129683405161},{"text":"So if you find you're happy with the services, wanna stay onboard for the next twelve months there, I'll just get you to sign and return that one back there for us, Laura.","start":3347.74,"end":3355.975,"sentiment":"neutral","sentiment_score":0.32497303503932373},{"text":"That just allows us to keep looking after your super, providing the services, and updating the advice in relation to super.","start":3356.215,"end":3362.235,"sentiment":"positive","sentiment_score":0.3547493361291431},{"text":"And then I'll send that other email out separately to you, just to we'll just correlate all the data so we can have a bit of a a look at what your goals and objectives are, and we'll come back and have another conversation when you're come when you guys are ready to really look at, you know, what the research looks like, what your goals are, and what we can maybe do advice wise to help you along investing in your own name.","start":3362.7751,"end":3384.675,"sentiment":"neutral","sentiment_score":0.24723904118651435},{"text":"How 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you.","start":3387.14,"end":3387.7998,"sentiment":"positive","sentiment_score":0.6481095552444458}],"sentiment":"positive","sentiment_score":0.545421689748764,"channel":1,"num_words":4,"start":3386.5798,"end":3387.7998},{"sentences":[{"text":"Yeah.","start":3388.0952,"end":3388.5752,"sentiment":"positive","sentiment_score":0.45643702149391174},{"text":"All good.","start":3388.5752,"end":3389.215,"sentiment":"positive","sentiment_score":0.6791431903839111},{"text":"Fantastic.","start":3389.215,"end":3389.715,"sentiment":"positive","sentiment_score":0.7377257943153381},{"text":"Everything that's kind of everything I needed to touch on now.","start":3391.31,"end":3394.19,"sentiment":"positive","sentiment_score":0.4427234015681527},{"text":"I think the main thing is to get that email out to you and kinda correlate the data.","start":3394.19,"end":3397.89,"sentiment":"neutral","sentiment_score":0.300458699464798}],"sentiment":"positive","sentiment_score":0.38880797588463983,"channel":0,"num_words":33,"start":3388.0952,"end":3397.89},{"sentences":[{"text":"I'll get the information back as quickly as if you can get that back to me as quickly as you can in relation to your income side of things and the catch up contributions, just so I can correlate that advice case there for you, Laura, and get that update up to date.","start":3398.35,"end":3411.235,"sentiment":"positive","sentiment_score":0.3655439058564744},{"text":"Chris, because I don't have access to your super, I can't can't give you personal advice there.","start":3411.935,"end":3416.17,"sentiment":"neutral","sentiment_score":-0.2680090337115176},{"text":"But if you wanted to send me yours, I could give you a bit of a breakdown on, you know, essentially making a deductible contribution.","start":3416.17,"end":3422.27,"sentiment":"neutral","sentiment_score":0.08172792419791222}],"sentiment":"neutral","sentiment_score":0.17748285833942262,"channel":0,"num_words":95,"start":3398.35,"end":3422.27},{"sentences":[{"text":"Yep.","start":3422.45,"end":3422.95,"sentiment":"neutral","sentiment_score":0.14530910551548004}],"sentiment":"neutral","sentiment_score":0.14530910551548004,"channel":1,"num_words":1,"start":3422.45,"end":3422.95},{"sentences":[{"text":"Or, alternatively, if you just look at your catch up contributions, it tells you how much you have available cap space, and you'll be able to utilize that as well.","start":3422.49,"end":3431.535,"sentiment":"neutral","sentiment_score":0.1663162502149741},{"text":"Is that okay?","start":3431.535,"end":3432.435,"sentiment":"neutral","sentiment_score":0.14615191519260406}],"sentiment":"neutral","sentiment_score":0.16448312884930408,"channel":0,"num_words":33,"start":3422.49,"end":3432.435},{"sentences":[{"text":"Yeah.","start":3433.105,"end":3433.345,"sentiment":"neutral","sentiment_score":0.13341784477233887},{"text":"That's alright.","start":3433.345,"end":3433.825,"sentiment":"neutral","sentiment_score":0.23758664727210999},{"text":"I can look into look into that.","start":3433.825,"end":3435.585,"sentiment":"neutral","sentiment_score":0.29041188955307007},{"text":"I think it's something that I'm definitely gonna do this 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to have more of a chat about your super and have a look at what we can do moving forward.","start":3440.335,"end":3444.3,"sentiment":"positive","sentiment_score":0.6612100005149841},{"text":"Absolutely.","start":3444.62,"end":3445.12,"sentiment":"neutral","sentiment_score":0.27636465430259705},{"text":"Do you guys have any other questions?","start":3446.3,"end":3448.3,"sentiment":"neutral","sentiment_score":0.1900413589818137},{"text":"Is there something I've missed or haven't touched on that you maybe wanted me to touch on for either of you?","start":3448.3,"end":3453.58,"sentiment":"neutral","sentiment_score":0.06934957232858453}],"sentiment":"positive","sentiment_score":0.33968889870333907,"channel":0,"num_words":51,"start":3439.935,"end":3453.58},{"sentences":[{"text":"Or","start":3453.58,"end":3454.08,"sentiment":"neutral","sentiment_score":0.03398554027080536}],"sentiment":"neutral","sentiment_score":0.03398554027080536,"channel":0,"num_words":1,"start":3453.58,"end":3454.08},{"sentences":[{"text":"Well, we do so the reason why we have a self managed super fund is because when we","start":3454.665,"end":3459.5452,"sentiment":"neutral","sentiment_score":-0.009797844621870251}],"sentiment":"neutral","sentiment_score":-0.009797844621870251,"channel":1,"num_words":18,"start":3454.665,"end":3459.5452},{"sentences":[{"text":"yeah.","start":3459.515,"end":3460.015,"sentiment":"neutral","sentiment_score":-0.048484645783901215}],"sentiment":"neutral","sentiment_score":-0.048484645783901215,"channel":0,"num_words":1,"start":3459.515,"end":3460.015},{"sentences":[{"text":"went through these advisers, they were saying to us, oh, buy an investment property and use super.","start":3459.5452,"end":3464.745,"sentiment":"neutral","sentiment_score":0.0009201138335115773},{"text":"It's great.","start":3464.745,"end":3465.465,"sentiment":"neutral","sentiment_score":0.12383874505758286},{"text":"Blah blah","start":3465.465,"end":3465.865,"sentiment":"neutral","sentiment_score":-0.13797521591186523}],"sentiment":"neutral","sentiment_score":-0.0006014765018508555,"channel":1,"num_words":21,"start":3459.5452,"end":3465.865},{"sentences":[{"text":"Yeah.","start":3465.835,"end":3466.335,"sentiment":"neutral","sentiment_score":-0.07965917885303497}],"sentiment":"neutral","sentiment_score":-0.07965917885303497,"channel":0,"num_words":1,"start":3465.835,"end":3466.335},{"sentences":[{"text":"blah.","start":3465.865,"end":3466.365,"sentiment":"neutral","sentiment_score":-0.12759292125701904},{"text":"And, anyway,","start":3466.665,"end":3467.225,"sentiment":"neutral","sentiment_score":-0.11227870732545853}],"sentiment":"neutral","sentiment_score":-0.11738344530264537,"channel":1,"num_words":3,"start":3465.865,"end":3467.225},{"sentences":[{"text":"Yep.","start":3466.9548,"end":3467.4548,"sentiment":"neutral","sentiment_score":-0.10662027448415756}],"sentiment":"neutral","sentiment_score":-0.10662027448415756,"channel":0,"num_words":1,"start":3466.9548,"end":3467.4548},{"sentences":[{"text":"so we got we got sucked into it, so we did.","start":3467.225,"end":3470.8699,"sentiment":"negative","sentiment_score":-0.4074022404172204},{"text":"And it's been a complete disaster.","start":3472.13,"end":3474.5498,"sentiment":"negative","sentiment_score":-0.7265517810980479},{"text":"The property so it was a unit in Melbourne, and it was meant to be fully finished December last 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still","start":3516.955,"end":3517.435,"sentiment":"neutral","sentiment_score":-0.21838508546352386}],"sentiment":"neutral","sentiment_score":-0.2758282136458617,"channel":1,"num_words":13,"start":3513.8352,"end":3517.435},{"sentences":[{"text":"Yeah.","start":3517.39,"end":3517.89,"sentiment":"neutral","sentiment_score":-0.16591830551624298}],"sentiment":"neutral","sentiment_score":-0.16591830551624298,"channel":0,"num_words":1,"start":3517.39,"end":3517.89},{"sentences":[{"text":"a hole in the ground, and they're currently in the court.","start":3517.435,"end":3520.155,"sentiment":"neutral","sentiment_score":-0.32469363104213367},{"text":"So we have no idea when it will be built.","start":3520.155,"end":3522.45,"sentiment":"negative","sentiment_score":-0.3679885506629944},{"text":"And the problem is we put 70,000 of our super into that as a 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'29.","start":3529.97,"end":3539.925,"sentiment":"neutral","sentiment_score":-0.053000996190616316},{"text":"2029.","start":3540.205,"end":3541.585,"sentiment":"neutral","sentiment_score":-0.021265782415866852},{"text":"Sorry.","start":3542.125,"end":3542.625,"sentiment":"neutral","sentiment_score":-0.28251126408576965},{"text":"Disaster.","start":3543.405,"end":3543.905,"sentiment":"neutral","sentiment_score":-0.29795923829078674},{"text":"So I don't know, yeah,","start":3544.205,"end":3545.085,"sentiment":"neutral","sentiment_score":-0.1967828780412674}],"sentiment":"neutral","sentiment_score":-0.08065915584475511,"channel":1,"num_words":42,"start":3529.97,"end":3545.085},{"sentences":[{"text":"Wow.","start":3545.07,"end":3545.15,"sentiment":"neutral","sentiment_score":-0.08846478164196014}],"sentiment":"neutral","sentiment_score":-0.08846478164196014,"channel":0,"num_words":1,"start":3545.07,"end":3545.15},{"sentences":[{"text":"if","start":3545.085,"end":3545.245,"sentiment":"neutral","sentiment_score":-0.029307430610060692}],"sentiment":"neutral","sentiment_score":-0.029307430610060692,"channel":1,"num_words":1,"start":3545.085,"end":3545.245},{"sentences":[{"text":"Yeah.","start":3545.15,"end":3545.65,"sentiment":"neutral","sentiment_score":-0.03226581960916519}],"sentiment":"neutral","sentiment_score":-0.03226581960916519,"channel":0,"num_words":1,"start":3545.15,"end":3545.65},{"sentences":[{"text":"any if if we can speak to anyone, if you've got any good solicitors that you guys use.","start":3545.245,"end":3550.2852,"sentiment":"neutral","sentiment_score":-0.048509631719854146},{"text":"Or We don't know what to do is the problem.","start":3550.2852,"end":3553.23,"sentiment":"neutral","sentiment_score":-0.2555788330733776},{"text":"We don't know whether and, like, the problem is because the sun pet caused.","start":3553.23,"end":3555.87,"sentiment":"neutral","sentiment_score":-0.2925514898129872},{"text":"I guess we sort of just have to write it out and see what happens.","start":3555.87,"end":3560.05,"sentiment":"neutral","sentiment_score":-0.2332511067390442},{"text":"I don't know.","start":3560.27,"end":3561.09,"sentiment":"neutral","sentiment_score":-0.16698682308197021}],"sentiment":"neutral","sentiment_score":-0.19207349382340907,"channel":1,"num_words":60,"start":3545.245,"end":3561.09},{"sentences":[{"text":"Yeah.","start":3561.8052,"end":3562.125,"sentiment":"neutral","sentiment_score":-0.055147282779216766},{"text":"Because it's in court, you may not be able to do anything until it goes to the legal process.","start":3562.125,"end":3567.0251,"sentiment":"neutral","sentiment_score":-0.1316629965838633},{"text":"But I'll see if there's a solicitor or someone I can refer you through to to maybe have a look at that in a bit more detail.","start":3567.885,"end":3574.9001,"sentiment":"neutral","sentiment_score":-0.010431821216587667}],"sentiment":"neutral","sentiment_score":-0.0603915615046912,"channel":0,"num_words":47,"start":3561.8052,"end":3574.9001},{"sentences":[{"text":"Yep.","start":3575.565,"end":3576.065,"sentiment":"neutral","sentiment_score":0.04771850258111954}],"sentiment":"neutral","sentiment_score":0.04771850258111954,"channel":1,"num_words":1,"start":3575.565,"end":3576.065},{"sentences":[{"text":"But, yeah, I'll see what I can find and maybe get some additional information there for you.","start":3576.56,"end":3580.0,"sentiment":"neutral","sentiment_score":0.05479004409383325},{"text":"It might just be that that's all kind of locked away for the moment.","start":3580.0,"end":3582.445,"sentiment":"neutral","sentiment_score":-0.04043024951325996},{"text":"So, Chris, is that all your super, or do you have other super that you're getting money paid into at the moment as well?","start":3582.445,"end":3589.345,"sentiment":"neutral","sentiment_score":0.0075493353651836514}],"sentiment":"neutral","sentiment_score":0.009938023730435154,"channel":0,"num_words":55,"start":3576.56,"end":3589.345},{"sentences":[{"text":"So that's, yeah, my super.","start":3590.0798,"end":3592.3152,"sentiment":"neutral","sentiment_score":0.06165873222053051},{"text":"So it's a portion of my super.","start":3592.3152,"end":3593.835,"sentiment":"neutral","sentiment_score":0.0552883685699531},{"text":"I think my super's now sitting at It's still a fair bit.","start":3593.835,"end":3598.715,"sentiment":"neutral","sentiment_score":0.006851238353798787},{"text":"It's more than me.","start":3598.715,"end":3599.855,"sentiment":"neutral","sentiment_score":-0.015571249648928642},{"text":"Like, the $1.60 or something?","start":3599.915,"end":3601.5151,"sentiment":"neutral","sentiment_score":-0.003746752766892314}],"sentiment":"neutral","sentiment_score":0.02110631330023435,"channel":1,"num_words":33,"start":3590.0798,"end":3601.5151},{"sentences":[{"text":"Yeah.","start":3601.5151,"end":3601.7551,"sentiment":"neutral","sentiment_score":0.008112299256026745},{"text":"Around","start":3601.7551,"end":3601.995,"sentiment":"neutral","sentiment_score":0.0022002942860126495}],"sentiment":"neutral","sentiment_score":0.005156296771019697,"channel":1,"num_words":2,"start":3601.5151,"end":3601.995},{"sentences":[{"text":"Okay.","start":3601.9802,"end":3602.4802,"sentiment":"neutral","sentiment_score":0.005955510772764683}],"sentiment":"neutral","sentiment_score":0.005955510772764683,"channel":0,"num_words":1,"start":3601.9802,"end":3602.4802},{"sentences":[{"text":"$1.60 or $1.70.","start":3601.995,"end":3603.695,"sentiment":"neutral","sentiment_score":0.005821972309301297},{"text":"So","start":3604.235,"end":3604.38,"sentiment":"neutral","sentiment_score":0.015543615445494652}],"sentiment":"neutral","sentiment_score":0.008252383093349636,"channel":1,"num_words":4,"start":3601.995,"end":3604.38},{"sentences":[{"text":"Yep.","start":3604.3,"end":3604.8,"sentiment":"neutral","sentiment_score":0.018518581986427307}],"sentiment":"neutral","sentiment_score":0.018518581986427307,"channel":0,"num_words":1,"start":3604.3,"end":3604.8},{"sentences":[{"text":"it's not it's not that that was always super, and we're now like, oh my god.","start":3604.5398,"end":3607.8198,"sentiment":"neutral","sentiment_score":-0.1476824819110334},{"text":"What have we done?","start":3607.8198,"end":3608.5398,"sentiment":"neutral","sentiment_score":-0.16637616604566574},{"text":"Yeah.","start":3608.5398,"end":3608.7,"sentiment":"neutral","sentiment_score":-0.02216365560889244},{"text":"But it's","start":3608.7,"end":3609.18,"sentiment":"neutral","sentiment_score":-0.030142653733491898}],"sentiment":"neutral","sentiment_score":-0.1352553625145684,"channel":1,"num_words":23,"start":3604.5398,"end":3609.18},{"sentences":[{"text":"Yeah.","start":3609.175,"end":3609.655,"sentiment":"neutral","sentiment_score":-0.010830217972397804}],"sentiment":"neutral","sentiment_score":-0.010830217972397804,"channel":0,"num_words":1,"start":3609.175,"end":3609.655},{"sentences":[{"text":"70","start":3609.18,"end":3609.66,"sentiment":"neutral","sentiment_score":-0.003682592883706093}],"sentiment":"neutral","sentiment_score":-0.003682592883706093,"channel":1,"num_words":1,"start":3609.18,"end":3609.66},{"sentences":[{"text":"Yeah.","start":3609.655,"end":3610.155,"sentiment":"neutral","sentiment_score":-0.006679641082882881}],"sentiment":"neutral","sentiment_score":-0.006679641082882881,"channel":0,"num_words":1,"start":3609.655,"end":3610.155},{"sentences":[{"text":"thousand.","start":3609.66,"end":3610.16,"sentiment":"neutral","sentiment_score":-0.01515798456966877},{"text":"Oh, it's like it's still","start":3610.5398,"end":3611.5,"sentiment":"neutral","sentiment_score":-0.07796641290187836}],"sentiment":"neutral","sentiment_score":-0.06749834151317675,"channel":1,"num_words":6,"start":3609.66,"end":3611.5},{"sentences":[{"text":"Still.","start":3611.415,"end":3611.915,"sentiment":"neutral","sentiment_score":-0.07346755266189575}],"sentiment":"neutral","sentiment_score":-0.07346755266189575,"channel":0,"num_words":1,"start":3611.415,"end":3611.915},{"sentences":[{"text":"a lot of money.","start":3611.5,"end":3612.3198,"sentiment":"neutral","sentiment_score":-0.13544781133532524},{"text":"Yeah.","start":3612.6199,"end":3613.1199,"sentiment":"neutral","sentiment_score":-0.08211171627044678}],"sentiment":"neutral","sentiment_score":-0.12478059232234955,"channel":1,"num_words":5,"start":3611.5,"end":3613.1199},{"sentences":[{"text":"No.","start":3612.695,"end":3613.175,"sentiment":"neutral","sentiment_score":-0.2049096077680588},{"text":"Still a lot of money to have sitting there not doing anything now, isn't it?","start":3613.175,"end":3616.475,"sentiment":"neutral","sentiment_score":-0.2635639324784279}],"sentiment":"neutral","sentiment_score":-0.2598980371840298,"channel":0,"num_words":16,"start":3612.695,"end":3616.475},{"sentences":[{"text":"It is.","start":3616.5398,"end":3617.0198,"sentiment":"neutral","sentiment_score":-0.07234346494078636},{"text":"Yeah.","start":3617.0198,"end":3617.3398,"sentiment":"neutral","sentiment_score":-0.04476100951433182},{"text":"So it's","start":3617.3398,"end":3617.74,"sentiment":"neutral","sentiment_score":-0.10492154210805893}],"sentiment":"neutral","sentiment_score":-0.07985820472240449,"channel":1,"num_words":5,"start":3616.5398,"end":3617.74},{"sentences":[{"text":"Yeah.","start":3617.655,"end":3618.155,"sentiment":"neutral","sentiment_score":-0.20621582865715027}],"sentiment":"neutral","sentiment_score":-0.20621582865715027,"channel":0,"num_words":1,"start":3617.655,"end":3618.155},{"sentences":[{"text":"not good, but","start":3617.74,"end":3619.035,"sentiment":"negative","sentiment_score":-0.3785981635252635}],"sentiment":"negative","sentiment_score":-0.3785981635252635,"channel":1,"num_words":3,"start":3617.74,"end":3619.035},{"sentences":[{"text":"No.","start":3619.175,"end":3619.675,"sentiment":"negative","sentiment_score":-0.44281452894210815}],"sentiment":"negative","sentiment_score":-0.44281452894210815,"channel":0,"num_words":1,"start":3619.175,"end":3619.675},{"sentences":[{"text":"we're not losing sleep over it","start":3619.835,"end":3621.9348,"sentiment":"negative","sentiment_score":-0.5214664538701376}],"sentiment":"negative","sentiment_score":-0.5214664538701376,"channel":1,"num_words":6,"start":3619.835,"end":3621.9348},{"sentences":[{"text":"No.","start":3621.96,"end":3622.36,"sentiment":"negative","sentiment_score":-0.3423340916633606}],"sentiment":"negative","sentiment_score":-0.3423340916633606,"channel":0,"num_words":1,"start":3621.96,"end":3622.36},{"sentences":[{"text":"yet.","start":3622.2349,"end":3622.7349,"sentiment":"neutral","sentiment_score":-0.26953834295272827}],"sentiment":"neutral","sentiment_score":-0.26953834295272827,"channel":1,"num_words":1,"start":3622.2349,"end":3622.7349},{"sentences":[{"text":"No.","start":3622.36,"end":3622.68,"sentiment":"neutral","sentiment_score":-0.24262189865112305},{"text":"Definitely.","start":3622.68,"end":3623.1602,"sentiment":"neutral","sentiment_score":-0.10939362645149232},{"text":"And your money's working over here in the other super funds.","start":3623.1602,"end":3625.48,"sentiment":"neutral","sentiment_score":-0.11618131636218591},{"text":"So that's okay.","start":3625.48,"end":3626.28,"sentiment":"neutral","sentiment_score":0.17578940590222678},{"text":"No.","start":3626.28,"end":3626.52,"sentiment":"neutral","sentiment_score":-0.08951792120933533}],"sentiment":"neutral","sentiment_score":-0.07012704168172444,"channel":0,"num_words":17,"start":3622.36,"end":3626.52},{"sentences":[{"text":"Absolutely.","start":3626.52,"end":3627.02,"sentiment":"neutral","sentiment_score":0.1451651155948639},{"text":"Look.","start":3627.32,"end":3627.48,"sentiment":"neutral","sentiment_score":0.08546467870473862},{"text":"It honestly does look like the money will unfortunately be tied up until it goes through the court process, but I can have a bit of a look and find out what what I can find information wise.","start":3627.48,"end":3637.285,"sentiment":"neutral","sentiment_score":-0.037574160157849916},{"text":"And if there's maybe a solicitor we can refer you through to to maybe have a conversation around that, I will.","start":3637.285,"end":3642.7449,"sentiment":"neutral","sentiment_score":0.08630416985778581}],"sentiment":"neutral","sentiment_score":0.010085234021554227,"channel":0,"num_words":61,"start":3626.52,"end":3642.7449},{"sentences":[{"text":"Yes.","start":3643.29,"end":3643.455,"sentiment":"neutral","sentiment_score":0.14406676590442655}],"sentiment":"neutral","sentiment_score":0.14406676590442655,"channel":1,"num_words":1,"start":3643.29,"end":3643.455},{"sentences":[{"text":"But I'll do a bit of research for you and see what we can come up with there.","start":3643.605,"end":3646.9849,"sentiment":"neutral","sentiment_score":0.05763766003979577},{"text":"That's a bit of a shame.","start":3648.3801,"end":3649.76,"sentiment":"negative","sentiment_score":-0.7499802609284719},{"text":"You","start":3650.1401,"end":3650.3,"sentiment":"neutral","sentiment_score":-0.2527819573879242}],"sentiment":"neutral","sentiment_score":-0.14860742568969726,"channel":0,"num_words":25,"start":3643.605,"end":3650.3},{"sentences":[{"text":"Yeah.","start":3650.175,"end":3650.495,"sentiment":"neutral","sentiment_score":-0.10630828142166138}],"sentiment":"neutral","sentiment_score":-0.10630828142166138,"channel":1,"num_words":1,"start":3650.175,"end":3650.495},{"sentences":[{"text":"probably","start":3650.3,"end":3650.62,"sentiment":"neutral","sentiment_score":-0.10362885892391203}],"sentiment":"neutral","sentiment_score":-0.10362885892391203,"channel":0,"num_words":1,"start":3650.3,"end":3650.62},{"sentences":[{"text":"It","start":3650.495,"end":3650.655,"sentiment":"neutral","sentiment_score":-0.07406279444694519}],"sentiment":"neutral","sentiment_score":-0.07406279444694519,"channel":1,"num_words":1,"start":3650.495,"end":3650.655},{"sentences":[{"text":"had","start":3650.62,"end":3650.86,"sentiment":"neutral","sentiment_score":-0.04931877553462982}],"sentiment":"neutral","sentiment_score":-0.04931877553462982,"channel":0,"num_words":1,"start":3650.62,"end":3650.86},{"sentences":[{"text":"is.","start":3650.655,"end":3650.895,"sentiment":"neutral","sentiment_score":-0.03652172535657883}],"sentiment":"neutral","sentiment_score":-0.03652172535657883,"channel":1,"num_words":1,"start":3650.655,"end":3650.895},{"sentences":[{"text":"some","start":3650.86,"end":3651.02,"sentiment":"neutral","sentiment_score":-0.009741317480802536}],"sentiment":"neutral","sentiment_score":-0.009741317480802536,"channel":0,"num_words":1,"start":3650.86,"end":3651.02},{"sentences":[{"text":"Yeah.","start":3650.895,"end":3651.395,"sentiment":"neutral","sentiment_score":0.05718525871634483}],"sentiment":"neutral","sentiment_score":0.05718525871634483,"channel":1,"num_words":1,"start":3650.895,"end":3651.395},{"sentences":[{"text":"high hopes from that one property.","start":3651.02,"end":3652.54,"sentiment":"neutral","sentiment_score":0.2456827536225319},{"text":"So the","start":3652.54,"end":3653.1,"sentiment":"neutral","sentiment_score":0.17220020294189453}],"sentiment":"neutral","sentiment_score":0.22731211595237255,"channel":0,"num_words":8,"start":3651.02,"end":3653.1},{"sentences":[{"text":"We","start":3652.975,"end":3653.135,"sentiment":"neutral","sentiment_score":0.10649900138378143}],"sentiment":"neutral","sentiment_score":0.10649900138378143,"channel":1,"num_words":1,"start":3652.975,"end":3653.135},{"sentences":[{"text":"intention","start":3653.1,"end":3653.5,"sentiment":"neutral","sentiment_score":-0.013901978731155396}],"sentiment":"neutral","sentiment_score":-0.013901978731155396,"channel":0,"num_words":1,"start":3653.1,"end":3653.5},{"sentences":[{"text":"did.","start":3653.135,"end":3653.635,"sentiment":"neutral","sentiment_score":0.11223573982715608}],"sentiment":"neutral","sentiment_score":0.11223573982715608,"channel":1,"num_words":1,"start":3653.135,"end":3653.635},{"sentences":[{"text":"with that SMSF, are you sort of hoping to just kinda get through the court process, get your funds back, and maybe close it off, or do you kinda hope they're gonna get that property built?","start":3653.5,"end":3661.74,"sentiment":"neutral","sentiment_score":-0.059952459349814385},{"text":"Or what do you sort of think down the track you would hope to get from this?","start":3661.74,"end":3665.195,"sentiment":"neutral","sentiment_score":-0.004018808112424963}],"sentiment":"neutral","sentiment_score":-0.04201147687744419,"channel":0,"num_words":53,"start":3653.5,"end":3665.195},{"sentences":[{"text":"Well, probably the the well, my thought was the property built because it it was a good property.","start":3665.71,"end":3671.17,"sentiment":"positive","sentiment_score":0.4465092867612839},{"text":"Yeah.","start":3671.5251,"end":3671.7651,"sentiment":"neutral","sentiment_score":0.08332455158233643},{"text":"The the company that we went through that advised us to go down this track sent an email the other day, like, request we're always requesting updates, and it's unfortunately the same shit.","start":3671.7651,"end":3682.405,"sentiment":"neutral","sentiment_score":-0.20156232357928247},{"text":"No updates.","start":3682.405,"end":3682.965,"sentiment":"negative","sentiment_score":-0.3775860369205475},{"text":"But they just continue to tell us that, oh, but the property value is in the area of increase.","start":3682.965,"end":3689.79,"sentiment":"neutral","sentiment_score":-0.2434820666124946}],"sentiment":"neutral","sentiment_score":-0.05359446992204614,"channel":1,"num_words":73,"start":3665.71,"end":3689.79},{"sentences":[{"text":"So, you know, your your deposit is actually an investment.","start":3689.79,"end":3692.99,"sentiment":"neutral","sentiment_score":-0.10085937529802322},{"text":"And once the property gets built, you know, the the value of the unit is gonna be worth more.","start":3692.99,"end":3697.31,"sentiment":"neutral","sentiment_score":-0.1320679011313539},{"text":"But there's a there's a massive chance, in my opinion, that the builder's gonna turn around and say, fucking building supply prices have gone up, and now we need to charge you more to build it.","start":3697.31,"end":3708.005,"sentiment":"negative","sentiment_score":-0.4958600244588322},{"text":"Apparently, they can't, though.","start":3708.005,"end":3709.365,"sentiment":"neutral","sentiment_score":-0.32189546525478363},{"text":"But the problem is too is that when we got this advice, they that like, this company was pushing properties.","start":3709.365,"end":3714.6,"sentiment":"negative","sentiment_score":-0.43976554572582244}],"sentiment":"negative","sentiment_score":-0.3533903093317921,"channel":1,"num_words":89,"start":3689.79,"end":3714.6},{"sentences":[{"text":"And so I don't know.","start":3714.82,"end":3715.78,"sentiment":"negative","sentiment_score":-0.34217728972434996},{"text":"Like, we didn't sit down with someone and say, oh, is it a good idea to get property in your super, or are you actually going to make more by just, like, investing in shares with you just normal super?","start":3715.78,"end":3725.4548,"sentiment":"neutral","sentiment_score":-0.13465665699914098},{"text":"So, yeah, that was a rookie error on our behalf because we just went through them for advice.","start":3726.3948,"end":3731.275,"sentiment":"neutral","sentiment_score":-0.09703641715976927},{"text":"They made it sound like fantastic, so I don't know.","start":3731.275,"end":3734.6548,"sentiment":"positive","sentiment_score":0.3599120266735554}],"sentiment":"neutral","sentiment_score":-0.07184504069489976,"channel":1,"num_words":73,"start":3714.82,"end":3734.6548},{"sentences":[{"text":"Yeah.","start":3735.84,"end":3736.24,"sentiment":"neutral","sentiment_score":-0.033647291362285614},{"text":"No.","start":3736.24,"end":3736.48,"sentiment":"neutral","sentiment_score":-0.13313712179660797},{"text":"That's understandable.","start":3736.48,"end":3737.3801,"sentiment":"neutral","sentiment_score":-0.10811365395784378},{"text":"That's okay.","start":3737.68,"end":3738.42,"sentiment":"neutral","sentiment_score":0.07671452686190605},{"text":"As I said, I'll find out what I can about that.","start":3738.855,"end":3740.855,"sentiment":"neutral","sentiment_score":0.06053170223127712}],"sentiment":"neutral","sentiment_score":0.025662709246663487,"channel":0,"num_words":17,"start":3735.84,"end":3740.855},{"sentences":[{"text":"I'll see if there's a solicitor I can refer you through to sort of help you along.","start":3740.855,"end":3744.235,"sentiment":"neutral","sentiment_score":0.0993987773271168}],"sentiment":"neutral","sentiment_score":0.0993987773271168,"channel":0,"num_words":17,"start":3740.855,"end":3744.235},{"sentences":[{"text":"Yep.","start":3744.8801,"end":3745.3801,"sentiment":"neutral","sentiment_score":0.11936324089765547}],"sentiment":"neutral","sentiment_score":0.11936324089765547,"channel":1,"num_words":1,"start":3744.8801,"end":3745.3801},{"sentences":[{"text":"In the meantime, I will send you a really nice, big, bulky email with the things","start":3745.4949,"end":3749.415,"sentiment":"neutral","sentiment_score":0.2703630654141307}],"sentiment":"neutral","sentiment_score":0.2703630654141307,"channel":0,"num_words":16,"start":3745.4949,"end":3749.415},{"sentences":[{"text":"Yep.","start":3749.28,"end":3749.685,"sentiment":"neutral","sentiment_score":0.20341621339321136}],"sentiment":"neutral","sentiment_score":0.20341621339321136,"channel":1,"num_words":1,"start":3749.28,"end":3749.685},{"sentences":[{"text":"we need to correlate for the extra advice there for you.","start":3749.415,"end":3751.575,"sentiment":"neutral","sentiment_score":0.1879495463588021},{"text":"We'll look at your income, look at the deductible contribution.","start":3751.575,"end":3754.45,"sentiment":"neutral","sentiment_score":0.14084987267851828},{"text":"I'll do some research around the additional investment in super and see what we can switch to that too and how that looks there for you.","start":3754.51,"end":3761.25,"sentiment":"neutral","sentiment_score":0.1885087349666999},{"text":"And then we'll come back and have a bit more of another conversation and and look at what your goals are with regards to investing in your own name and see what we can do to help.","start":3761.63,"end":3767.0176,"sentiment":"neutral","sentiment_score":0.1539487357477884},{"text":"Okay?","start":3767.0176,"end":3767.205,"sentiment":"neutral","sentiment_score":0.09651733934879304}],"sentiment":"neutral","sentiment_score":0.16670342832803725,"channel":0,"num_words":85,"start":3749.415,"end":3767.205},{"sentences":[{"text":"In your own name and see what","start":3767.205,"end":3770.105,"sentiment":"neutral","sentiment_score":0.08200217251266752}],"sentiment":"neutral","sentiment_score":0.08200217251266752,"channel":0,"num_words":7,"start":3767.205,"end":3770.105},{"sentences":[{"text":"Yep.","start":3770.0999,"end":3770.5999,"sentiment":"neutral","sentiment_score":0.1191522479057312}],"sentiment":"neutral","sentiment_score":0.1191522479057312,"channel":1,"num_words":1,"start":3770.0999,"end":3770.5999},{"sentences":[{"text":"we can do to help.","start":3770.105,"end":3770.905,"sentiment":"neutral","sentiment_score":0.11923796683549881}],"sentiment":"neutral","sentiment_score":0.11923796683549881,"channel":0,"num_words":5,"start":3770.105,"end":3770.905},{"sentences":[{"text":"Sounds","start":3771.06,"end":3771.38,"sentiment":"neutral","sentiment_score":0.1132393479347229}],"sentiment":"neutral","sentiment_score":0.1132393479347229,"channel":1,"num_words":1,"start":3771.06,"end":3771.38},{"sentences":[{"text":"Okay?","start":3771.365,"end":3771.865,"sentiment":"neutral","sentiment_score":0.1935995817184448}],"sentiment":"neutral","sentiment_score":0.1935995817184448,"channel":0,"num_words":1,"start":3771.365,"end":3771.865},{"sentences":[{"text":"really good.","start":3771.38,"end":3771.8599,"sentiment":"positive","sentiment_score":0.454565167427063},{"text":"Thank you.","start":3771.8599,"end":3772.52,"sentiment":"positive","sentiment_score":0.4389335513114929}],"sentiment":"positive","sentiment_score":0.44674935936927795,"channel":1,"num_words":4,"start":3771.38,"end":3772.52},{"sentences":[{"text":"No.","start":3772.8052,"end":3773.0452,"sentiment":"neutral","sentiment_score":0.09534505009651184},{"text":"That's okay.","start":3773.0452,"end":3773.7651,"sentiment":"neutral","sentiment_score":0.16229093074798584},{"text":"Thank you so much.","start":3773.7651,"end":3774.8052,"sentiment":"positive","sentiment_score":0.6150016188621521},{"text":"I'll let you guys go for the afternoon.","start":3774.8052,"end":3776.5652,"sentiment":"neutral","sentiment_score":0.28645581007003784},{"text":"If there's anything else, let me know.","start":3776.5652,"end":3778.3252,"sentiment":"neutral","sentiment_score":0.15278982583965575}],"sentiment":"neutral","sentiment_score":0.28368675674904476,"channel":0,"num_words":22,"start":3772.8052,"end":3778.3252},{"sentences":[{"text":"Laura, you also have my email address.","start":3778.3252,"end":3780.165,"sentiment":"neutral","sentiment_score":0.09953772170203072},{"text":"So if anything else comes up that you've missed or that you need additional, let me know.","start":3780.165,"end":3785.0598,"sentiment":"neutral","sentiment_score":0.10545739531517029},{"text":"Always happy to make more time to come back and talk.","start":3785.0598,"end":3787.6199,"sentiment":"positive","sentiment_score":0.41508441621607},{"text":"We'll get the contribution side of things sorted for you because that's more time sensitive given we're in June.","start":3787.94,"end":3793.0798,"sentiment":"neutral","sentiment_score":0.19666175583475515},{"text":"And then we'll come back and look more in detail at the","start":3793.395,"end":3796.115,"sentiment":"neutral","sentiment_score":0.08054045246293147}],"sentiment":"neutral","sentiment_score":0.17815950213733947,"channel":0,"num_words":66,"start":3778.3252,"end":3796.115},{"sentences":[{"text":"Yep.","start":3795.97,"end":3796.47,"sentiment":"neutral","sentiment_score":0.09320303052663804}],"sentiment":"neutral","sentiment_score":0.09320303052663804,"channel":1,"num_words":1,"start":3795.97,"end":3796.47},{"sentences":[{"text":"the other side of the advice for you guys.","start":3796.115,"end":3798.2751,"sentiment":"neutral","sentiment_score":0.11377596689595117},{"text":"Okay?","start":3798.2751,"end":3798.7751,"sentiment":"neutral","sentiment_score":0.09798088669776917}],"sentiment":"neutral","sentiment_score":0.11219645887613297,"channel":0,"num_words":10,"start":3796.115,"end":3798.7751},{"sentences":[{"text":"Yep.","start":3799.25,"end":3799.57,"sentiment":"neutral","sentiment_score":0.169756218791008},{"text":"Sounds really good.","start":3799.57,"end":3800.45,"sentiment":"positive","sentiment_score":0.4686781664689382},{"text":"Thank you.","start":3800.45,"end":3801.19,"sentiment":"positive","sentiment_score":0.546593576669693}],"sentiment":"positive","sentiment_score":0.44482964525620144,"channel":1,"num_words":6,"start":3799.25,"end":3801.19},{"sentences":[{"text":"Oh, my pleasure.","start":3801.475,"end":3802.355,"sentiment":"positive","sentiment_score":0.5880059997240702},{"text":"It's been a pleasure to catch up with you both.","start":3802.355,"end":3804.115,"sentiment":"positive","sentiment_score":0.7522700071334839},{"text":"It's been a really good you've got a lot going on, so we'll definitely see what we can do to help.","start":3804.115,"end":3808.295,"sentiment":"positive","sentiment_score":0.6760951365743365}],"sentiment":"positive","sentiment_score":0.6907269393696505,"channel":0,"num_words":34,"start":3801.475,"end":3808.295},{"sentences":[{"text":"Awesome.","start":3808.905,"end":3809.405,"sentiment":"positive","sentiment_score":0.7086545825004578},{"text":"Thank you.","start":3809.465,"end":3810.0251,"sentiment":"positive","sentiment_score":0.6863925457000732},{"text":"Really appreciate it.","start":3810.0251,"end":3811.165,"sentiment":"positive","sentiment_score":0.6680139899253845}],"sentiment":"positive","sentiment_score":0.6809136072794596,"channel":1,"num_words":6,"start":3808.905,"end":3811.165},{"sentences":[{"text":"Not a problem at all.","start":3811.45,"end":3812.3298,"sentiment":"positive","sentiment_score":0.5490363359451294},{"text":"You both have an amazing afternoon.","start":3812.3298,"end":3814.2698,"sentiment":"positive","sentiment_score":0.7264355818430582},{"text":"Thank you for your time.","start":3814.41,"end":3815.71,"sentiment":"positive","sentiment_score":0.6940130829811096}],"sentiment":"positive","sentiment_score":0.6608662866055965,"channel":0,"num_words":16,"start":3811.45,"end":3815.71},{"sentences":[{"text":"You too.","start":3815.865,"end":3816.345,"sentiment":"neutral","sentiment_score":0.2820013612508774},{"text":"See you later.","start":3816.345,"end":3817.005,"sentiment":"neutral","sentiment_score":0.2576607863108317},{"text":"I","start":3817.005,"end":3817.1648,"sentiment":"neutral","sentiment_score":0.19879409670829773}],"sentiment":"neutral","sentiment_score":0.25596319635709125,"channel":1,"num_words":6,"start":3815.865,"end":3817.1648},{"sentences":[{"text":"Thanks.","start":3817.0498,"end":3817.5298,"sentiment":"positive","sentiment_score":0.3469187021255493}],"sentiment":"positive","sentiment_score":0.3469187021255493,"channel":0,"num_words":1,"start":3817.0498,"end":3817.5298},{"sentences":[{"text":"see it.","start":3817.1648,"end":3817.9048,"sentiment":"neutral","sentiment_score":0.24038419127464294}],"sentiment":"neutral","sentiment_score":0.24038419127464294,"channel":1,"num_words":2,"start":3817.1648,"end":3817.9048},{"sentences":[{"text":"Bye.","start":3817.5298,"end":3818.0298,"sentiment":"neutral","sentiment_score":0.18976110219955444}],"sentiment":"neutral","sentiment_score":0.18976110219955444,"channel":0,"num_words":1,"start":3817.5298,"end":3818.0298},{"sentences":[{"text":"Bye.","start":3818.525,"end":3819.025,"sentiment":"neutral","sentiment_score":0.03243665024638176}],"sentiment":"neutral","sentiment_score":0.03243665024638176,"channel":1,"num_words":1,"start":3818.525,"end":3819.025}]},"summary":{"result":"success","short":"The representative from Okie Financial called Laura to confirm her personal information and discuss her debt reduction plans. They emphasize the importance of diversifying investments and avoiding downside risk, and emphasize the benefits of investing outside of super. The speaker advises Laura to confirm her goals and retirement plans, including investing in shares and considering retirement goals and investing outside of super. The success of the portfolio and retirement of the Zebra card are also discussed. The speaker suggests finding a solicitor and refers Laura to them for more information. The agent will research and provide annual review documents, advising on investment goals, retirement plans, and retirement plans."},"intents":{"segments":[{"text":"And, also, just for the security there with you, I'd just like you to confirm your full name, your date of birth, and address I should have on Yeah.","start_word":88,"end_word":116,"intents":[{"intent":"Confirm contact details","confidence_score":0.0067633493},{"intent":"Provide security","confidence_score":0.08644143},{"intent":"Confirm identity","confidence_score":0.3101538}]},{"text":"recommended, like, a tax agent to do our tax returns through. But we're not happy with them. So we were wanting to know, does Oakley do tax returns or no? No.","start_word":273,"end_word":303,"intents":[{"intent":"Discuss tax returns","confidence_score":0.18528692}]},{"text":"However, if you like, I could find out I believe we do have an account that we could refer you through to. So I can get that information and send it to you if you like after the call, and you're welcome Yep.","start_word":318,"end_word":360,"intents":[{"intent":"Confirm referral","confidence_score":0.014905625},{"intent":"End call","confidence_score":0.018720986}]},{"text":"another question that we have is Yes. at the moment with our properties, we've got it set up. So we've got one that's fully offset. Yes. And I think now we only owe about maybe $40 on it. Okay.","start_word":513,"end_word":551,"intents":[{"intent":"Discuss debt reduction and payment options","confidence_score":0.002655974}]},{"text":"obviously, once we got these two paid off, we're, like, technically, sitting at zero, we would then start putting money into the offset of one of those other properties. Yep.","start_word":709,"end_word":738,"intents":[{"intent":"Explain loan repayment process","confidence_score":0.081135854},{"intent":"Explain loan repayment process","confidence_score":0.060770225}]},{"text":"Honestly, because it sounds like the other two properties that you're paying down faster are principal and interest. Is that right?","start_word":753,"end_word":773,"intents":[{"intent":"Inquire about interest rate and loan payment","confidence_score":0.00001237559}]},{"text":"And so these two loans that you're paying down, you're utilizing the offsets to pay them down, or are you paying the money onto the loan fully and reducing the actual loan?","start_word":873,"end_word":904,"intents":[{"intent":"Provide loan information","confidence_score":0.007490254}]},{"text":"So for the one that's gonna got 44 oving, we're paying that onto Mhmm. the loan Yep. so that we get the loan fully down. So the one that's got 75 left $75 left until it's fully offset, that's Yep. getting Yep. paid into the offset account.","start_word":905,"end_word":951,"intents":[{"intent":"Clarify loan balance","confidence_score":0.028932668}]},{"text":"So for the one that's gonna got 44 oving, we're paying that onto Mhmm. the loan Yep. so that we get the loan fully down. So the one that's got 75 left $75 left until it's fully offset, that's Yep. getting Yep. paid into the offset account. Okay.","start_word":905,"end_word":952,"intents":[{"intent":"Confirm loan amount","confidence_score":0.012561523},{"intent":"Request clarification on loan amount","confidence_score":0.00006877183},{"intent":"Determine loan amount","confidence_score":0.0004076632}]},{"text":"Because putting it into the loan and reducing it and closing the loan off means that you would have to go back through servicing. Whereas just putting in the offset account, you still have the loan physically open. You don't then have to go through new servicing to be able to reuse that money if you did find something else you wanted to put that towards.","start_word":991,"end_word":1056,"intents":[{"intent":"Reuse loan money","confidence_score":0.0043193097}]},{"text":"With the two loans that you're paying down at the moment, you've mentioned the other two that well, the other property that you then wanna pay down is interest only, and it's on a fixed term. Is that right? Yes.","start_word":1058,"end_word":1097,"intents":[{"intent":"Clarify interest rates and interest rates","confidence_score":0.004456188},{"intent":"Explain interest only and interest only terms","confidence_score":0.0020636618},{"intent":"Discuss the optimal way to pay down loans","confidence_score":0.0000013020266},{"intent":"Discuss the balance between interest and interest rates","confidence_score":0.0002850604}]},{"text":"But what you can also be doing is once you get that loan fully paid down and fully offset, you can continue to put money into the offset and build that up even more so that when those other loans come off, the interest only terms and all their fixed terms, you can then put a large chunk of money over into those additional loans if you want to as well.","start_word":1300,"end_word":1370,"intents":[{"intent":"Explain the use of offset for additional loans","confidence_score":0.000053801286}]},{"text":"And so we're wanting to know, do you think it's advisable to put money into our super to reduce our income?","start_word":1801,"end_word":1821,"intents":[{"intent":"Reduce income","confidence_score":0.17905918}]},{"text":"You make a deductible contribution? yeah.","start_word":1842,"end_word":1847,"intents":[{"intent":"Make deductible contribution","confidence_score":0.83440286}]},{"text":"What you Yep.","start_word":2006,"end_word":2008,"intents":[{"intent":"Use catch up space","confidence_score":0.20055191}]},{"text":"So if your employer hasn't been putting in the full 30,000 this year or last financial year or the $27.05 from previous financial years, you should have a little bit of extra cap space there.","start_word":2068,"end_word":2102,"intents":[{"intent":"Get extra cap space","confidence_score":0.0077761784}]},{"text":"If you check your myGov account, and if you like, I can send you an email after the call which directs you how to find that information, you can see Yep.","start_word":2103,"end_word":2133,"intents":[{"intent":"Get email with information","confidence_score":0.0026140967}]},{"text":"I was just gonna say, with doing that, is there any, like, downsides to doing that?","start_word":2257,"end_word":2272,"intents":[{"intent":"Discuss options and risks","confidence_score":0.00017579478}]},{"text":"Depending on market conditions, they could provide a hindrance to your return in the next year. It could provide a benefit.","start_word":2410,"end_word":2430,"intents":[{"intent":"Understand market conditions and compensation","confidence_score":0.0013569074}]},{"text":"If the market's up, you know, you might buy less units of the investments that you're in. If the market is down, you might you might buy more. It's more just about making sure that you're comfortable with whatever comes of that and making sure you're aware that you can't then take that money out if you don't if you do need it in the future.","start_word":2431,"end_word":2496,"intents":[{"intent":"Understand benefits of investments","confidence_score":0.0008859098}]},{"text":"And because moving forward, we're about to go into the phase where the employer contributions in line with your income payments, it means that if you get paid weekly or fortnight, your employer contributions are gonna have to go in that way as well.","start_word":2554,"end_word":2597,"intents":[{"intent":"Explain investment process","confidence_score":0.006273132}]},{"text":"And because moving forward, we're about to go into the phase where the employer contributions in line with your income payments, it means that if you get paid weekly or fortnight, your employer contributions are gonna have to go in that way as well. So you're actually gonna see a bit more proper dollar cost averaging.","start_word":2554,"end_word":2609,"intents":[{"intent":"Explain investment strategy","confidence_score":0.011755182},{"intent":"Explain a system","confidence_score":0.000006712492}]},{"text":"So you're actually gonna see a bit more proper dollar cost averaging.","start_word":2597,"end_word":2608,"intents":[{"intent":"Discuss cost averaging","confidence_score":0.005287742}]},{"text":"Did you want more just general advice on what is available to you and allow you to make that decision yourself, or you're wanting us to kind of provide more personalized advice on making the contribution and the long term effect of that? Yeah.","start_word":2873,"end_word":2916,"intents":[{"intent":"Ask for advice on contributions","confidence_score":0.00013387862}]},{"text":"If you're wanting to utilize money in the offset account, we would need to look at what the loan looks like versus investing that money and looking at the outcome to see whether it's more beneficial keeping it on the loan or whether you're better off investing it.","start_word":3194,"end_word":3241,"intents":[{"intent":"Evaluate investment strategies","confidence_score":0.0026238328}]},{"text":"And so our goal is to retire as early as Yes. possible.","start_word":3603,"end_word":3614,"intents":[{"intent":"Set retirement goals","confidence_score":0.0036334265}]},{"text":"So are you planning on keeping all three of those investment properties and paying them off and keeping all three of them as the income producer, or was your plan to maybe let them grow in value, sell one off, and pay the rest of the loans, live debt free from the others being rented out?","start_word":3678,"end_word":3733,"intents":[{"intent":"Discuss investment properties","confidence_score":0.017781032},{"intent":"Discuss investment plans","confidence_score":0.096444},{"intent":"Discuss investment plans","confidence_score":0.106710576}]},{"text":"And it is definitely something to maybe consider and have a think about, especially when we are looking at and maybe investing in your name outside of super in the in, you know, outside of property there. If you are looking at putting money into the share market and building a a portfolio very similar to your super.","start_word":3990,"end_word":4047,"intents":[{"intent":"Consider investing in the future","confidence_score":0.00056553265}]},{"text":"There's quite a few things to kind of think about goal wise to work Yeah. out which way that you go or, you know, which strategy is gonna work better for you. Yeah.","start_word":4268,"end_word":4300,"intents":[{"intent":"Determine best strategy for investment property purchase","confidence_score":0.0000037885093}]},{"text":"to set ourself up the best we possibly Yeah.","start_word":4444,"end_word":4452,"intents":[{"intent":"Set up goals","confidence_score":0.020677222}]},{"text":"Well, it's definitely something to sort of have a think about, look at what your goals are, what you wanna achieve, you know, what your time horizon might look like. It'd definitely be worth coming back and really having a good look at all the properties in detail, looking at what your goals are and how we maybe structure, you know, things in the future to help you meet that goal, and we can absolutely provide advice on that. Yeah.","start_word":4485,"end_word":4564,"intents":[{"intent":"Provide advice on retirement planning","confidence_score":0.10256178},{"intent":"Discuss goals and goals","confidence_score":0.00089693005}]},{"text":"It comes down to when and when, you know, you when you've got an idea of what it is that you were sort of wanting to achieve, when you might wanna consider retiring. I know here it sort of mentioned around about 50 to 55 last time. What?","start_word":4565,"end_word":4612,"intents":[{"intent":"Discuss retirement options","confidence_score":0.31184715}]},{"text":"So it's just about confirming and working out whether putting the money on the mortgage is better for your goals or whether putting it into a share portfolio.","start_word":5470,"end_word":5497,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.12115093}]},{"text":"problem is too at the moment when you but how for our situation to try and work out how much we would need to retire on, it's very Mhmm.","start_word":5675,"end_word":5703,"intents":[{"intent":"Discuss retirement plan","confidence_score":0.01739063}]},{"text":"So to be able to try work that out, no idea how to calculate that. A bit tough.","start_word":5757,"end_word":5774,"intents":[{"intent":"Calculate cost","confidence_score":0.013345606}]},{"text":"You sorta just wanna work out whether I would honestly just be working out average cost.","start_word":5776,"end_word":5791,"intents":[{"intent":"Work out cost","confidence_score":0.022615679}]},{"text":"If we do look at investing in your own personal name and building a sort of a portfolio, just so you are aware, we do charge an ongoing fee for the management of that portfolio.","start_word":6212,"end_word":6246,"intents":[{"intent":"Discuss investment options","confidence_score":0.019065471}]},{"text":"If you like, what I could also do is I can add a little budget plan in there for you. It's a little tool that we do like to use where you can kinda go through and have a think about what you might spend on certain things to kinda give you an idea of what your regular weekly expenditure might be or what kinda income you might need to account for. Does that sound like something you'd be open to doing as well? Yeah.","start_word":6394,"end_word":6478,"intents":[{"intent":"Add budget plan","confidence_score":0.10549628}]},{"text":"I just think we are so out of touch with what stuff cost. But, like, we've been doing this for six years now, so we haven't, like, we haven't had an electricity bill in six years. We haven't had electricity bill in six Yeah.","start_word":6484,"end_word":6527,"intents":[{"intent":"Understand cost of services","confidence_score":0.002784261}]},{"text":"I would have to like still do the Google research to see what the average cost of stuff is. Yeah.","start_word":6632,"end_word":6651,"intents":[{"intent":"Confirm willingness to do research","confidence_score":0.0011840621},{"intent":"Describe search engine","confidence_score":0.0001699945}]},{"text":"It'll outline, obviously, the fee structure of investing outside super, what we'll need to correlate to be able to do the research for you on all of these aspects.","start_word":6670,"end_word":6698,"intents":[{"intent":"Define investment requirements","confidence_score":0.00006816465},{"intent":"Explain cost structure of services","confidence_score":0.0072837914}]},{"text":"What we can do, if you're comfortable, you can send me all the information.","start_word":6699,"end_word":6712,"intents":[{"intent":"Request information","confidence_score":0.024036072}]},{"text":"I can do a bit of research around what that looks like and what we might be you know, the outcome might be, a bit of projecting. And then we can come back in the new financial year and have another joint conversation with you guys and just, you know, have a talk about what your goals are, what the research has been able to look at, really look at the risk profile in detail, and then come up with a plan moving forward.","start_word":6714,"end_word":6797,"intents":[{"intent":"Discuss topics","confidence_score":0.00027685132}]},{"text":"Now with each of those properties, the one in WA, what's the asset value you put on that property at the moment?","start_word":7351,"end_word":7372,"intents":[{"intent":"Assess property value","confidence_score":0.041398495}]},{"text":"And then with the one in Sunbury, what's the evaluation you put on that one?","start_word":7425,"end_word":7439,"intents":[{"intent":"Get evaluation","confidence_score":0.004820221}]},{"text":"Other than that, income wise, because we are looking at the additional contributions and making a deductible, I need to sort of confirm what your income estimate is supposed to be for this year when you consider your total income.","start_word":7550,"end_word":7589,"intents":[{"intent":"Add deductible information","confidence_score":0.0000014708565}]},{"text":"Other than that, income wise, because we are looking at the additional contributions and making a deductible, I need to sort of confirm what your income estimate is supposed to be for this year when you consider your total income. So when you consider what the account is gonna look at with from the property is, what do you estimate your total income should be gross this year? Oh, good question.","start_word":7550,"end_word":7620,"intents":[{"intent":"Confirm income estimate","confidence_score":0.562001}]},{"text":"And then for the property like, two of the property just thinking how much would the properties be generating? Or partly.","start_word":7661,"end_word":7681,"intents":[{"intent":"Calculate property generating cost","confidence_score":0.0000422906}]},{"text":"Is it easier if I reply to your email with this information? Yeah.","start_word":7706,"end_word":7718,"intents":[{"intent":"Answer questions","confidence_score":0.03947162}]},{"text":"Do you know what the deductions might sort of expected to look like to bring your the income component down for you at?","start_word":7851,"end_word":7873,"intents":[{"intent":"Calculate deductions","confidence_score":0.11510351}]},{"text":"This will be a pretty bulky email for you, but it'll kinda contain everything that we need to be able to help you out and get the advice. But I'll pop it in the email for you so if you just confirm that for me. Is that okay?","start_word":8145,"end_word":8192,"intents":[{"intent":"Confirm information","confidence_score":0.122553185}]},{"text":"And I've got down here for accessing super. We were working on age 60. Obviously, you've got those other goals there where you're wanting to try and build wealth outside of super so you can retire around about 50, if not before. Is that still correct? Yep.","start_word":8259,"end_word":8305,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.11151185}]},{"text":"We were working on age 60. Obviously, you've got those other goals there where you're wanting to try and build wealth outside of super so you can retire around about 50, if not before. Is that still correct? Yep.","start_word":8267,"end_word":8305,"intents":[{"intent":"Confirm retirement age","confidence_score":0.003288596}]},{"text":"I also had done here that you were sort of hoping to accumulate assets of around about two to two point five million net. Is that right?","start_word":8308,"end_word":8334,"intents":[{"intent":"Discuss assets","confidence_score":0.25195718}]},{"text":"Well, look, that's honestly really good. Is there any other goals or anything else that you can think of with regard to the properties or the advice that we're looking at at the moment that you might wanna kinda add into here?","start_word":8393,"end_word":8434,"intents":[{"intent":"Update property and advice","confidence_score":5.8977116e-7}]},{"text":"And so we didn't, like, go travel in our caravan for that time. So the reason why we, you know, don't really wanna buy another property is because we do want to reduce our debt because we don't have a constant income. Yes.","start_word":8497,"end_word":8539,"intents":[{"intent":"Reduce debt","confidence_score":0.2656722}]},{"text":"Once we've kind of got all that detail, we can come back and just have another conversation around your goals, have a think about what it is when you're running to retire, what the income component might look like, anything else that might be relevant there.","start_word":8637,"end_word":8682,"intents":[{"intent":"Plan retirement plan","confidence_score":0.067175984},{"intent":"Discuss goals","confidence_score":0.24725266}]},{"text":"In the meantime, I can do a bit of research around what we've got, what what this might look projected wise, and then we can always come back and and reassess and do a nice big advice piece for you. Does that sound okay?","start_word":8683,"end_word":8726,"intents":[{"intent":"Reassessment portfolio","confidence_score":0.0052409517},{"intent":"Provide advice","confidence_score":0.038684074}]},{"text":"So just to kinda go through your stupid now, now I did give you a balance before there, Laura. So your balance as of essentially yesterday's date was a 118,718 and 61<unk> there. So it is definitely up.","start_word":8732,"end_word":8769,"intents":[{"intent":"Provide balance","confidence_score":0.013819683}]},{"text":"So your super has done really, really well when we kinda break that down. You're in that high growth kind of environment there. So at the moment, and in a high growth portfolio, you wanna see about 90% of your funds in those growth assets.","start_word":8797,"end_word":8841,"intents":[{"intent":"Compare performance","confidence_score":0.000049248607}]},{"text":"So the fact that you've received 12.39% net of fees, it's after our ongoing fee as well as any admin fees or super fees that are deducted there, does show that your portfolio has well and truly overperformed for the year, which is a really solid return.","start_word":9189,"end_word":9235,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.71564597}]},{"text":"So I would like to maybe update the advice for you and remove that out of that.","start_word":9542,"end_word":9558,"intents":[{"intent":"Update advice","confidence_score":0.67742515}]},{"text":"Maybe look at moving that out and putting something in its place that hasn't been underperforming as much.","start_word":9569,"end_word":9586,"intents":[{"intent":"Put something in place","confidence_score":0.046323832}]},{"text":"So with the Bennelong team, just kind of get a guide on what you're sort of after investment wise with your super.","start_word":9615,"end_word":9636,"intents":[{"intent":"Get guide","confidence_score":0.026928928}]},{"text":"Passive investments might be more diversified, have more underlying investments there, and are designed to track the market or the industries instead of trying to outperform it, which means that they have less risk of underperforming against the market.","start_word":9717,"end_word":9755,"intents":[{"intent":"Track market","confidence_score":0.14418545}]},{"text":"I'll have a really good look at everything for you. I can incorporate that into the advice piece of your contribution if you like, Yep. and then we can come back and have a really good chat about what we're what we're gonna switch that for you. Okay? Yep.","start_word":9807,"end_word":9855,"intents":[{"intent":"Have a chat","confidence_score":0.043877915}]},{"text":"Now the other thing to sorta have a chat about is the insurance side of things. So just having a look, you do have insurances that are paid out of your super fund at the moment.","start_word":9859,"end_word":9894,"intents":[{"intent":"Discuss insurance","confidence_score":0.18461779}]},{"text":"Are you happy with the amount of coverage that you have given that your investment properties are pretty well, you know, self managed and you're paying them down nice and fast and you have very much low expenditure. Or did you wanna maybe look at reevaluating those levels of cover?","start_word":9952,"end_word":10001,"intents":[{"intent":"Improve coverage levels","confidence_score":0.00023476331}]},{"text":"You did say last year that you would so long as you have the right sort of advice around that, and you have borrowed to buy those investment properties. So taking number one there that you are comfortable borrowing to invest given your time horizon at the moment. Is that right, or would you alter that decision? No. No.","start_word":10684,"end_word":10742,"intents":[{"intent":"Provide investment guidance","confidence_score":0.00046208405}]},{"text":"If you ever are finding or hearing anything in the out in the market or in the news that is concerning, please feel free to give us a call. We are definitely here to help you.","start_word":10797,"end_word":10832,"intents":[{"intent":"Ask for guidance","confidence_score":0.00018535079}]},{"text":"It just breaks down a bit more around our services, who we are, what we do, how we do it, and what advisers essentially do. I'll Yep.","start_word":11157,"end_word":11183,"intents":[{"intent":"Discuss services","confidence_score":0.061281662}]},{"text":"How does Yep.","start_word":11330,"end_word":11332,"intents":[{"intent":"Discuss goals and objectives","confidence_score":0.03721502},{"intent":"Request assistance","confidence_score":0.010897743}]},{"text":"I think the main thing is to get that email out to you and kinda correlate the data. I'll get the information back as quickly as if you can get that back to me as quickly as you can in relation to your income side of things and the catch up contributions, just so I can correlate that advice case there for you, Laura, and get that update up to date.","start_word":11356,"end_word":11426,"intents":[{"intent":"Discuss data correlation","confidence_score":0.041490454}]},{"text":"But if you wanted to send me yours, I could give you a bit of a breakdown on, you know, essentially making a deductible contribution. Yep.","start_word":11445,"end_word":11470,"intents":[{"intent":"Set up meeting","confidence_score":9.3323337e-7}]},{"text":"Love to have more of a chat about your super and have a look at what we can do moving forward. Absolutely.","start_word":11529,"end_word":11550,"intents":[{"intent":"Discuss super fund","confidence_score":0.09426779}]},{"text":"But, yeah, I'll see what I can find and maybe get some additional information there for you. It might just be that that's all kind of locked away for the moment. So, Chris, is that all your super, or do you have other super that you're getting money paid into at the moment as well?","start_word":11958,"end_word":12012,"intents":[{"intent":"Find and document super supers","confidence_score":0.0000068164363}]},{"text":"It honestly does look like the money will unfortunately be tied up until it goes through the court process, but I can have a bit of a look and find out what what I can find information wise.","start_word":12145,"end_word":12182,"intents":[{"intent":"Provide information","confidence_score":0.03818434}]},{"text":"It honestly does look like the money will unfortunately be tied up until it goes through the court process, but I can have a bit of a look and find out what what I can find information wise. And if there's maybe a solicitor we can refer you through to to maybe have a conversation around that, I will.","start_word":12145,"end_word":12203,"intents":[{"intent":"Offer guidance","confidence_score":0.000047573856}]},{"text":"That's a bit of a shame. You Yeah.","start_word":12223,"end_word":12230,"intents":[{"intent":"Express dissatisfaction","confidence_score":0.13309012}]},{"text":"with that SMSF, are you sort of hoping to just kinda get through the court process, get your funds back, and maybe close it off, or do you kinda hope they're gonna get that property built? Or what do you sort of think down the track you would hope to get from this?","start_word":12248,"end_word":12300,"intents":[{"intent":"Discuss decision","confidence_score":0.0010845795},{"intent":"Suggest alternative approach","confidence_score":0.0018150336}]},{"text":"But they just continue to tell us that, oh, but the property value is in the area of increase.","start_word":12355,"end_word":12373,"intents":[{"intent":"Check property value","confidence_score":0.0005131252},{"intent":"Explain reasons behind price increase","confidence_score":7.779278e-7}]},{"text":"I'll see if there's a solicitor I can refer you through to sort of help you along. Yep.","start_word":12553,"end_word":12570,"intents":[{"intent":"Schedule call with adviser","confidence_score":0.007045617}]}]},"sentiments":{"segments":[{"text":"Hello? Laura speaking. Hi, Laura. This is Dana from Okie Financial. How are you this afternoon?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.14617927372455597},{"text":"Good.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.42867472767829895},{"text":"How are you?","start_word":17,"end_word":19,"sentiment":"neutral","sentiment_score":0.30670493841171265},{"text":"I'm very well. Thank you.","start_word":20,"end_word":24,"sentiment":"positive","sentiment_score":0.5969705581665039},{"text":"I had you put in to go through your annual review today. Is now still a good time there for you? It is. Yes.","start_word":25,"end_word":48,"sentiment":"neutral","sentiment_score":0.3015787899494171},{"text":"Thank you. Fantastic.","start_word":49,"end_word":51,"sentiment":"positive","sentiment_score":0.5868173837661743},{"text":"Laura, just before we jump into the call, just to let you know we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Yep. That's fine.","start_word":52,"end_word":86,"sentiment":"neutral","sentiment_score":0.24527156352996823},{"text":"Fantastic.","start_word":87,"end_word":87,"sentiment":"positive","sentiment_score":0.5817490220069885},{"text":"And, also, just for the security there with you, I'd just like you to confirm your full name, your date of birth, and address I should have on Yeah. So it's Laura file Jane at Britain, thirty first of first nineteen as 90, And 6 Blue Water well. Road, Veral, Queensland.","start_word":88,"end_word":138,"sentiment":"neutral","sentiment_score":0.1064792200922966},{"text":"Fantastic.","start_word":139,"end_word":139,"sentiment":"positive","sentiment_score":0.48033756017684937},{"text":"And how's your day being so far? Not too bad, Oh, actually. How's yours? yeah.","start_word":140,"end_word":154,"sentiment":"neutral","sentiment_score":0.18019993603229523},{"text":"Good. Busy, but that's why we like it.","start_word":155,"end_word":162,"sentiment":"positive","sentiment_score":0.4111921489238739},{"text":"Getting Yeah. Exactly. close to the weekend.","start_word":163,"end_word":169,"sentiment":"neutral","sentiment_score":0.17484045028686523},{"text":"All good, Laura.","start_word":170,"end_word":172,"sentiment":"positive","sentiment_score":0.38243576884269714},{"text":"As part of the annual review, just to sort of check-in, is there anything particular you wanted to sort of touch base on or any questions that you might have that you Yep. wanted me to sort of go through with you this this afternoon? Yeah. So we did write down a couple of questions. Yeah. Absolutely. Go for it. So what so currently, we go through a company that we so just a bit of background. We've got four investment properties. Yes. And two of those, we went through an adviser to set up, Right. and they then Yeah. recommended, like, a tax agent to do our tax returns through. But we're not happy with them. So we were wanting to know, does Oakley do tax returns or no? No. So we don't because we're financial advisers. We're not tax accountants. Yep. We could. However, if you like, I could find out I believe we do have an account that we could refer you through to. So I can get that information and send it to you if you like after the call, and you're welcome Yep. to touch base with them and decide whether you're comfortable proceeding with them at all. It is completely separate from us. It's just someone we know that we tend to like that do really well and look after our clients quite well. So we can provide that information to you for you to have a bit of a look at if you would like. Yeah.","start_word":173,"end_word":425,"sentiment":"neutral","sentiment_score":0.05371698984515526},{"text":"That would be perfect, please.","start_word":426,"end_word":430,"sentiment":"positive","sentiment_score":0.541094958782196},{"text":"Yeah. Not a problem. Yeah. Because with that as well, we've also got a self managed super fund, and Yes. it's the same company who's doing the tax returns for that. So, obviously, we wanna Right.","start_word":431,"end_word":466,"sentiment":"neutral","sentiment_score":0.2006797343492508},{"text":"get both done through someone else, so just so we're happy with what they're offering us. So that Yes. would be perfect. Absolutely.","start_word":467,"end_word":489,"sentiment":"positive","sentiment_score":0.4270504117012024},{"text":"Not a problem at all. I'll get that email straight after the call for you.","start_word":490,"end_word":504,"sentiment":"neutral","sentiment_score":0.32158753275871277},{"text":"He's done. Awesome. Thank you.","start_word":505,"end_word":509,"sentiment":"positive","sentiment_score":0.5511161088943481},{"text":"So No worries. another question that we have is Yes. at the moment with our properties, we've got it set up. So we've got one that's fully offset. Yes. And I think now we only owe about maybe $40 on it. Okay. And then we've got the two of them. Like, so what we're trying to do at the moment is reduce debt because, obviously, we don't feel comfortable buying we're not we don't feel comfortable. I don't know the best way to describe it. But we've decided Yeah. not to buy anymore at the moment, and we're trying to reduce debt. Yep. And so we've got one that's, yeah, completely fully offset, and we're trying to with our pay, what we're doing each week is yes. With a 44 owing on it, is quickly I pay that one off so that it'll be sitting at zero. We've got another one that we only have, I think, 75,000 left on, Yep. and so, obviously, trying to pay those two down as well. We've got the other two set up that they're interest only. Yes. And so I think that's locked into five years, and then we'll start Yep. obviously, once we got these two paid off, we're, like, technically, sitting at zero, we would then start putting money into the offset of one of those other properties. Yep. I suppose the question is, does that sound like that's a good idea? Yeah. No. Honestly, because it sounds like the other two properties that you're paying down faster are principal and interest. Is that right? Yeah. So one of them is so the one that's only got Yep. 44 left on it is. The one that's got about 75 left on it is just interest at the moment, interest only. Yep. Sorry. I've got my husband sitting beside me. He's about to That's butt in. How fine. are you going? Oh, yes. Not a problem at all. What were you gonna say, Chris? Yeah. So the other one's interest only, but the reason it's almost paid off is because it's almost a 100% offset. Yeah. Yeah. Sorry. No. That's okay. No. That's absolutely fine. And so these two loans that you're paying down, you're utilizing the offsets to pay them down, or are you paying the money onto the loan fully and reducing the actual loan? So for the one that's gonna got 44 oving, we're paying that onto Mhmm. the loan Yep. so that we get the loan fully down. So the one that's got 75 left $75 left until it's fully offset, that's Yep. getting Yep. paid into the offset account. Okay. So, No worries yeah, at all. the idea behind Yep. that the reason our broker told us to do that is so that we've got that cash sitting there in case we Yes. need it. That's right. Yeah. Because putting it into the loan and reducing it and closing the loan off means that you would have to go back through servicing. Whereas just putting in the offset account, you still have the loan physically open. You don't then have to go through new servicing to be able to reuse that money if you did find something else you wanted to put that towards. With the two loans that you're paying down at the moment, you've mentioned the other two that well, the other property that you then wanna pay down is interest only, and it's on a fixed term. Is that right? Yes. I think so. Yeah. Yep. And these two you're paying down the ones that you're paying down at the moment, they're both on variable rates. Is that right? This is a good question. I'm not sure if So the one of the main file one's variable because it's principal and interest. The other ones are just Yep. interest only. Okay. So you can have interest only on a variable rate or a fixed rate. But if you're paying the loans down faster and it's actually affecting the interest, you're probably gonna be on a variable rate Yeah. because The realistically Yeah. Yes. yeah. Because fixed loans, you can't sort of pay down. They have a limit on how much extra payments you can make on a regular basis.","start_word":510,"end_word":1224,"sentiment":"neutral","sentiment_score":0.04795549804201493},{"text":"You are definitely doing it the right way. Continue doing it the the way that you are. Essentially, by utilizing the offset, you are keeping the loan open.","start_word":1225,"end_word":1252,"sentiment":"positive","sentiment_score":0.4579969048500061},{"text":"You don't have to go back to servicing if something happens, if you need to, or find a way to use that money again. When you get the loan paid down and fully offset, if you then decide to close the loan, you absolutely can do so.","start_word":1253,"end_word":1299,"sentiment":"neutral","sentiment_score":0.2481798678636551},{"text":"But what you can also be doing is once you get that loan fully paid down and fully offset, you can continue to put money into the offset and build that up even more so that when those other loans come off, the interest only terms and all their fixed terms, you can then put a large chunk of money over into those additional loans if you want to as well. So you are doing it the right way. I would continue doing it the exact way you are. You Okay. Perfect. seem to be putting a lot of extra money in on a regular basis and offsetting those loans as much as possible. So your broker had the right idea, in my opinion, of of doing it this this way.","start_word":1300,"end_word":1430,"sentiment":"positive","sentiment_score":0.4093306362628937},{"text":"Yeah. Okay.","start_word":1431,"end_word":1432,"sentiment":"neutral","sentiment_score":0.19852107763290405},{"text":"Perfect.","start_word":1433,"end_word":1433,"sentiment":"positive","sentiment_score":0.3706073760986328},{"text":"I was just thinking Yeah. too, just before you rang, I was just thinking the the one that we've only got 44 left owing on it, we've got 44 plus, but it's fully offset at the moment. Yeah. But as I said, we're paying that into the actual mortgage now each fortnight when our pay comes through. But Yeah. because that's principal and interest, is there any benefit of having that 44 sitting in that loan? Is that reducing the interest payments? It still isn't it? Yeah. Well, either way, so as long as that that offset account is fully offsetting or is a 100% offsetting a loan, it doesn't really matter where it's sitting. If it's sitting on the loan, it reduces the actual loan amount that you have owing. If you have it sitting in the offset account, the loan amount still says exactly what you have owing, but you are still offsetting the interest. So Yeah. Okay. it the Yep. offset account does the exact same thing. It's more just the rate your ability that sort of allows you more flexibility with that. So if you use the offset account as much as possible, you can take that money back whenever you need to, whereas putting it on the loan reduces the loan amount, but then you have to kinda redraw off if you want that money back again. But both of them will offset the interest as long as the offset Yeah. account set up correctly. Yeah. Yeah. No. That's okay. Because I was just thinking in my head, I was like, oh, what's the point of having that money sitting in the offset? We might as well put it in the other property offset. But if it's still Yeah. Absolutely. offsetting the interest, then we'll leave it as it is, how that's going. But that sounds yes. Yeah.","start_word":1434,"end_word":1746,"sentiment":"neutral","sentiment_score":0.057792693709793945},{"text":"So that sounds like that's fine.","start_word":1747,"end_word":1752,"sentiment":"positive","sentiment_score":0.3336397707462311},{"text":"So another question sorry. We had five questions. So You're the next alright. question You're fine. sorry. We have both earned, like, quite a fair bit of money this year because we've been long story short, we're on a project where we're working very long hours. Yes. And so we're wanting to know, do you think it's advisable to put money into our super to reduce our income? I think it's the easiest way to describe it. You Yeah. know how you So can do you're on the yeah. You make a deductible contribution? yeah. Yeah. Yeah.","start_word":1753,"end_word":1849,"sentiment":"neutral","sentiment_score":-0.019257640466094017},{"text":"So you absolutely could.","start_word":1850,"end_word":1853,"sentiment":"positive","sentiment_score":0.3981438577175141},{"text":"You've got one of two ways of doing it. So depending on what your overall tax outlook is looking like and this is not probably something to also talk to your accountant about.","start_word":1854,"end_word":1886,"sentiment":"neutral","sentiment_score":0.07783931493759155},{"text":"But, realistically, if your if your income is really high and you have additional cap space, making a deductible contribution is great because that does offset, say, you put 10,000 into your super fund, you can then take that 10,000 back and claim that as a tax deduction, which reduces your how your overall, you know, total gross income, accessible income, essentially, Yeah. which works out really, really well.","start_word":1887,"end_word":1955,"sentiment":"positive","sentiment_score":0.3625973463058472},{"text":"It just depends on how much you're wanting to put into your super as well. Do you know because I'm just having a look. So for yourself there, Laura, your super is the balance at the moment is $118,007.01 8. So you are eligible to use any catch up space. What you Yep. could do if you would like is you could have a look at your if you can get into your myGov account and find out what your catch up contributions are. We can have a you can find out what you've got accessible from the last five financial years that that haven't been used from the cap space, essentially. So if your employer hasn't been putting in the full 30,000 this year or last financial year or the $27.05 from previous financial years, you should have a little bit of extra cap space there. If you check your myGov account, and if you like, I can send you an email after the call which directs you how to find that information, you can see Yep. what cap space you have left for this financial year, but then also the previous five financial years. And, essentially, And, essentially, because your balance is under 500,000, you could be making a larger contribution in the super depending on what you're comfortable with to provide you with a bit of a tax deduction. Are you comfortable with me after the call emailing that information through and getting you to have a quick look at your myGov and giving me that to kinda help you Yep. along with what you've got available? Yeah.","start_word":1956,"end_word":2226,"sentiment":"neutral","sentiment_score":0.12355326500985896},{"text":"If you could, that would be really good, please. Yeah. Fantastic.","start_word":2227,"end_word":2237,"sentiment":"positive","sentiment_score":0.5440545082092285},{"text":"Not a problem So at with all. Do doing you have that a set of sorry. You're right. sorry. I was just gonna say, with doing that, is there any, like, downsides to doing that? I suppose there goes that money and you can't touch it until you can access this Subaru. Is that the only downside? Yeah. Until you can access this Subaru. Is that the only downside? That that fixed that. Not necessarily. There are a couple of things to sorta consider. So, obviously, the money is coming out of your cash flow and going into super, so you can't access that until you meet a a condition of release. The other side is it is a lump sum that gets invested at one particular time. So if you put 10 or 20,000 into super, as soon as that hits the cash account, that money is invested with the rest of your portfolio. So it's not put in like dollar cost averaging, which means a large lump sum gets invested. Depending on market conditions, they could provide a hindrance to your return in the next year. It could provide a benefit. If the market's up, you know, you might buy less units of the investments that you're in. If the market is down, you might you might buy more. It's more just about making sure that you're comfortable with whatever comes of that and making sure you're aware that you can't then take that money out if you don't if you do need it in the future. So not putting Yep. in anything more than you're comfortable with. Does that make sense? Yeah. That does. Yep. Okay. Yeah. Cool. So the benefit of, like, with your employer contributions, they go in their dollar cost average in a regular basis. So you take advantage of the ups and downs that the market does see. And because moving forward, we're about to go into the phase where the employer contributions in line with your income payments, it means that if you get paid weekly or fortnight, your employer contributions are gonna have to go in that way as well. So you're actually gonna see a bit more proper dollar cost averaging. So it means that on a week where the market is down, your super contributions might go in and you'll buy more units of the investment in a mark in a point where the market is up and the cost of those investments is a little bit higher, the same money goes in and buys a little less units.","start_word":2238,"end_word":2667,"sentiment":"neutral","sentiment_score":0.0035725590707950815},{"text":"So you take advantage of the down times, but your employer contributions also keep going and giving you proper dollar cost averaging.","start_word":2668,"end_word":2689,"sentiment":"positive","sentiment_score":0.3395944833755493},{"text":"So putting a larger lump sum in at one particular time means that that goes in and is automatically purchased purchased into whatever the market is doing at that particular time. We don't ever try to time the market, mostly because people who time the market tend to miss out. So our philosophy Yes.","start_word":2690,"end_word":2743,"sentiment":"neutral","sentiment_score":0.12542660534381866},{"text":"is to just to buy into the market no matter what it's doing and keep buying into the market to make take a benefit of whatever the conditions are providing. It's it you tend to provide or get a better rate of return by participating in the market rather than trying to time the market.","start_word":2744,"end_word":2798,"sentiment":"positive","sentiment_score":0.46425697207450867},{"text":"Most people at time, if they missed out by one or two days over the length of five or ten years, it could be a couple of thousand dollars they've missed out on. So, yeah, as long as you're comfortable with that. If you like, I can have a look at what your catch up contributions are and give you a bit of a breakdown of, you know, what you can put in. Yep. Did you want more just general advice on what is available to you and allow you to make that decision yourself, or you're wanting us to kind of provide more personalized advice on making the contribution and the long term effect of that? Yeah. Probably that. Because like our look at our our final question we're we're going to ask is Yep. we wanna start so, obviously, we've got the four investment properties, but we Yes. want to What is the, yeah, what is the best way? Like, whether we need to sit down and have a actual meeting on structuring everything the best way possible, like, to take advantage of our investment properties, whether we buy shares. Is it better money sitting in offset accounts? Are we better taking the money out of the offset and buying shares and then having Mhmm. tax deductions from having the loan on the investment properties? Like, really, we don't know. So Yeah. So because Yeah. what Yeah. I was gonna say, look, I like the idea of diversifying. Yes. And so what what is best for us to do? Yeah. So it really just depends upon what your goals are, if you like, what we could do. Because I believe, Laura, you're you're a client of ours at the moment, Yes. but you're the only one your partner's not a client of ours at the moment. So, Christopher, I do apologize. You're not actually on board as a client at the moment. Is that right? That's correct. Yeah. A lesson Yeah. convinced So me. so, no, what we could definitely do and then it really depends on what your long term goals are, when you're wanting to access your funds, whether you're comfortable investing in your own name in the market, you know, how long you're wanting to invest for. There's a lot of different factors that go into what we do recommend. If you're wanting to utilize money in the offset account, we would need to look at what the loan looks like versus investing that money and looking at the outcome to see whether it's more beneficial keeping it on the loan or whether you're better off investing it.","start_word":2799,"end_word":3241,"sentiment":"neutral","sentiment_score":0.10936239513129198},{"text":"Diversifying is a great way, but you also gotta see a counter in the returns.","start_word":3242,"end_word":3256,"sentiment":"positive","sentiment_score":0.339999258518219},{"text":"The markets are very volatile. And when you're taking money out of your home loan and investing that in the market, your home loan, you might be paying, you know, six or 7% on that. You wanna make sure that you're getting a higher rate of return, and that's definitely not guaranteed every year. So when you think about putting money into your offset account or onto your home loan, you're saving that interest. So you're saving about a six or seven or 8% return depending on what your interest rate is, which is a guaranteed rate of return because you're saving that. Whereas putting Yep. money into the market is absolutely fine.","start_word":3257,"end_word":3369,"sentiment":"neutral","sentiment_score":0.14993180426876102},{"text":"It's a great idea if you've got a longer time horizon, happy to invest for the ten or twenty years.","start_word":3370,"end_word":3389,"sentiment":"positive","sentiment_score":0.4773847162723541},{"text":"But if you're only wanting to do it for the next sort of five to five odd years, it might not be a good option because you risk putting that money into the market, having a bit of a downturn, or taking that money off the loan, increasing how much you're gonna be paying in the way of repayments or interest on the loan and putting that into the market where you might only get a one or two or 3% return, in which case the return in the investment doesn't really make sense considering the return you would have made or the guaranteed return you would have made by putting the money in the offset and saving on that interest.","start_word":3390,"end_word":3510,"sentiment":"negative","sentiment_score":-0.3550291955471039},{"text":"Does that make sense? It does. Yeah. Yeah. That's a really Yeah.","start_word":3511,"end_word":3522,"sentiment":"neutral","sentiment_score":0.19199185073375705},{"text":"good point.","start_word":3523,"end_word":3524,"sentiment":"positive","sentiment_score":0.441565215587616},{"text":"Because Yeah. our problem So also yeah. is the fact Yeah. that so we've got four investment properties, but the work that we do at the moment so we haven't actually lived, I suppose, in a house for the last nearly six years now. So we actually live in a Caribbean and travel Australia for work. Right. So, like, we've so, you know, like, we've got four houses, but we don't actually Yeah. have somewhere that we live. And so our goal is to retire as early as Yes. possible. We have the age 50 in mind, but we would and also so, like, we're trying to obviously earn as much money as possible and put investments in place to be able to retire early, but we would also have to consider that at some stage, we do need to buy a house to actually live in as well. Yeah. Yep.","start_word":3525,"end_word":3675,"sentiment":"neutral","sentiment_score":0.010766168124973774},{"text":"Absolutely.","start_word":3676,"end_word":3676,"sentiment":"positive","sentiment_score":0.3674469590187073},{"text":"So are you planning on keeping all three of those investment properties and paying them off and keeping all three of them as the income producer, or was your plan to maybe let them grow in value, sell one off, and pay the rest of the loans, live debt free from the others being rented out? What was your kind of plan originally with those investment properties? So I suppose our idea to start with so because we when we're at work, we our accommodation gets paid for. Sometimes our food gets paid for. So our bills when we're at work are very minimal. Yeah. So, like, for example, we've been at our current job site for the last eight months, and we have had no bills.","start_word":3677,"end_word":3803,"sentiment":"neutral","sentiment_score":0.14592784643173218},{"text":"So we Yeah. when we're at work, we're able to save a lot of money.","start_word":3804,"end_word":3818,"sentiment":"positive","sentiment_score":0.5234275460243225},{"text":"Mhmm. And so pretty much, we just had money that we weren't doing anything Yep. with, and we were like, okay. We wanna invest. What are we gonna do? Property. And so then that's why we just started buying properties because we could afford to. Mhmm. And so we didn't then have sort of, like, a long term, okay. This is what our plan Yeah. is. Because at the same time, we don't know like, you know, like a like a typical person. You know? They live in a town. They do their job. They have their home. They're paying off the mortgage. Our life Yeah. isn't normal, Yeah. I Yeah. suppose, is a good way to describe it. Yeah. So we Mhmm. don't know because we don't know, like, say, if something was like, you know, where do you see yourself in five years? We don't know at this stage. Yeah. Yeah. It's really hard to say, So I don't know how Yeah. to answer that question. No. That's okay. And it is definitely something to maybe consider and have a think about, especially when we are looking at and maybe investing in your name outside of super in the in, you know, outside of property there. If you are looking at putting money into the share market and building a a portfolio very similar to your super. Looking at where you maybe wanna be in the next five years, do you want to still be doing this, or do you wanna have purchased a property?","start_word":3819,"end_word":4075,"sentiment":"neutral","sentiment_score":0.049487595457279265},{"text":"Because realistically, moving forward, there's one of two ways that you can do it. If you continue continue to pay down all three of these investment properties as you are, as you pay them all off, they become positively geared. You can still rent them out and, you know, provide income, which will allow you to retire earlier.","start_word":4076,"end_word":4133,"sentiment":"positive","sentiment_score":0.4847422838211059},{"text":"Alternatively, Mhmm. what some people do is they also just let the one of the properties, the most valuable one possibly depending on the CGT consequences, sell one of those properties, use the proceeds to pay off any additional loans still on the other properties. That then leaves you completely debt free and allowing you to, you know, receive income from those. It does leave you one property down. Sometimes, it's a bit of extra money. It really just depends on what it is that you're after. But it also comes down to where you wanna live well. Do you want to is there somewhere in particular that you wanna buy to live? Did you maybe wanna live in one of these properties and buy something else down the track as an investment property? There's quite a few things to kind of think about goal wise to work Yeah. out which way that you go or, you know, which strategy is gonna work better for you. Yeah. It's hard to know. Chris, So do you many have questions. need we don't know. Yeah. No. We don't know Yeah. where we we don't know where we wanna live. I would say it's highly unlikely that we would live in one of these properties. Yep. So we'd potentially, yeah, probably sell one or two to then purchase the house we do wanna live in and then maybe keep two and own them outright as an Yep. income, Yep. maybe. But, Yeah. yeah, the the real goal is to retire, like, as as soon as possible. Yeah.","start_word":4134,"end_word":4397,"sentiment":"neutral","sentiment_score":0.03499703109264374},{"text":"The job that we do is, yeah, extremely difficult.","start_word":4398,"end_word":4406,"sentiment":"negative","sentiment_score":-0.3394455313682556},{"text":"We do massive hours, like, seventy plus hours a week, and we've been doing it Yeah.","start_word":4407,"end_word":4422,"sentiment":"neutral","sentiment_score":-0.3104921877384186},{"text":"for years now, and we're absolutely burned out.","start_word":4423,"end_word":4430,"sentiment":"negative","sentiment_score":-0.6402435898780823},{"text":"And, Yeah. yeah, trying to do everything we can at the moment Yeah. to set ourself up the best we possibly Yeah. can to to get the money working for us as Yeah. as much as we can so that we can work with.","start_word":4431,"end_word":4474,"sentiment":"neutral","sentiment_score":0.19606606594540857},{"text":"Absolutely.","start_word":4475,"end_word":4475,"sentiment":"positive","sentiment_score":0.4375879764556885},{"text":"No.","start_word":4476,"end_word":4476,"sentiment":"neutral","sentiment_score":0.31602758169174194},{"text":"That's okay. That's not a problem at all. Well, it's definitely something to sort of have a think about, look at what your goals are, what you wanna achieve, you know, what your time horizon might look like. It'd definitely be worth coming back and really having a good look at all the properties in detail, looking at what your goals are and how we maybe structure, you know, things in the future to help you meet that goal, and we can absolutely provide advice on that.","start_word":4477,"end_word":4563,"sentiment":"positive","sentiment_score":0.5440140962600708},{"text":"Yeah. It comes down to when and when, you know, you when you've got an idea of what it is that you were sort of wanting to achieve, when you might wanna consider retiring. I know here it sort of mentioned around about 50 to 55 last time. What? Yeah. It's I flat had remote. down here that you're sort of thinking 50. Yeah. 40 Yeah. five. That's just so ridiculous. 45. I mean, if we weren't LOTA, we'd all be out tomorrow. Right? Exactly. At least be in a position where you've got the option to to retire Yeah. or Yeah. even part time. Like, it doesn't mean that you never work again if you've got enough money to retire and then still wanna do a part time job or Yeah. even volunteer Absolutely. work or whatever. Yeah. No. Absolutely. Completely understandable. But, no, look, that is definitely advice we can look at down the track for you. If you just sort of work out what your goal age might be, what you're looking to do, I'd love to come back and have more of a conversation with you guys around that to sort of work out whether, you know, you invest outside of super or whether you just keep paying down those properties. But just a couple of things for you to kind of think about and consider and, you know, decide what you wanted to what you're thinking you might what your goal might be down the track. Does that make sense? Yeah. Yeah.","start_word":4564,"end_word":4820,"sentiment":"neutral","sentiment_score":0.13319748640060425},{"text":"All good.","start_word":4821,"end_word":4822,"sentiment":"positive","sentiment_score":0.6783735752105713},{"text":"So for the time being, Laura, you're wanting me to just do some personal advice on making an additional contribution to Super? Yeah. Yeah. Advice on that. And then, obviously, yeah, the main thing I was thinking, because I know last time I had this meeting last year, the person Yeah. that I spoke to said about looking to investing in shares. Yep. And so that's what we were thinking now for this time because I just we got the properties and then Yep. look at what other ways we can do it. But, yeah, like you said, if it is better just to put that money into the offset instead of into shares, that's probably something that we need to work out first before just Yeah. going and buying shares. Yep. Yeah. Yeah.","start_word":4823,"end_word":4956,"sentiment":"neutral","sentiment_score":0.04493650421500206},{"text":"The biggest the biggest risk with that is that if you do put money into the market in your own name and then you decide, hey. This isn't right for me or you see a really big dip, you then if you decide to take that money out, you are cementing that loss and taking the money back out, whereas it could have been more beneficial on your mortgage.","start_word":4957,"end_word":5025,"sentiment":"negative","sentiment_score":-0.4385991096496582},{"text":"So, yeah, I would just wanna be able to have a look at what your mortgages look like, look at the interest rates, but also assess what your goals are when you're wanting to access these funds. Because if you're willing to put the money into a into the share market and maybe be in a more of a higher risk environment, that's great for getting greater returns long term, but we'd also want you to be invested. Like, the high growth portfolio you're super currently in, we have a time horizon that we would want you to be invested for about eight years prior to accessing any of that money, and that's because you are taking more risk in the market.","start_word":5026,"end_word":5147,"sentiment":"neutral","sentiment_score":0.02964290976524353},{"text":"As your balance increases, the returns increase, but it also means that you're opening yourself up to more of a downtime. And by taking more risk, you feel the downtime more aggressively, but it can take longer for your portfolio to recover there as well. So that is one risk that we do kind of like to open up to.","start_word":5148,"end_word":5207,"sentiment":"negative","sentiment_score":-0.40215498208999634},{"text":"But I don't Yes. want this to, you know, freak you out and be like, hey. I don't ever wanna invest in shares.","start_word":5208,"end_word":5230,"sentiment":"neutral","sentiment_score":-0.1739826552245928},{"text":"It's a great way to build wealth so long as you've got the time horizon ahead of you, so long as you're willing to invest for a time that's long enough to allow your portfolio to do something to recover, knowing what the risks are in the shorter term, but also making sure you're comfortable.","start_word":5231,"end_word":5285,"sentiment":"positive","sentiment_score":0.4580676853656769},{"text":"So taking that money off the mortgage or not putting it in the mortgage, and possibly some years, you will see a lower a lower rate of return. So, you know, like your interest your home loan interest rate probably doesn't go down very often. We see Yes. it go up more than anything. Yep. The share market has a kind of an an opposite effect to that. So when we do see higher inflation rates and where we do see our mortgages increasing, you know, the RBA puts the interest rate up because we're spending a lot more. There's more money around than what they would like us to have. We do essentially see share markets take a bit of a dip in those sorts of times, which means your return, some years, will be only one, two, or 3%. Some years, you could see a 15 or a 20% return. Returns are very much fluctuating. We diversify portfolios and make sure we're building them to try and mitigate as much risk as possible, but we can't mitigate a 100% of market risk. So it's just about confirming and working out whether putting the money on the mortgage is better for your goals or whether putting it into a share portfolio. So we just wanna know a bit more about what your goals are, what your time horizon is, what you're kind of wanting to achieve, the income that you think you're gonna need in retire or when you retire at 50 or 45 or whatever that agency or both, and then look at what your interest rates are, what you're putting on the mortgage. Is it better on the mortgage or in an investment portfolio? We project that out to see what that might look like and how long that kinda takes to to work for you and if it's gonna be better either way. So it is a pretty big advice piece. It would Yes.","start_word":5286,"end_word":5613,"sentiment":"neutral","sentiment_score":0.04023169815858326},{"text":"definitely need to incorporate both of you for that, and it is something that, you know, in when you've kinda had an idea and had a bit of a chat at what is it you both wanna achieve, we can come back and definitely revisit for you.","start_word":5614,"end_word":5660,"sentiment":"positive","sentiment_score":0.4281553626060486},{"text":"Does that Yep. sound okay? Yeah. Yep.","start_word":5661,"end_word":5667,"sentiment":"neutral","sentiment_score":0.20331555604934692},{"text":"That sounds good.","start_word":5668,"end_word":5670,"sentiment":"positive","sentiment_score":0.5549020767211914},{"text":"Because the other Yeah. problem is too at the moment when you but how for our situation to try and work out how much we would need to retire on, it's very Mhmm.","start_word":5671,"end_word":5703,"sentiment":"neutral","sentiment_score":-0.2709503173828125},{"text":"difficult because we of it.","start_word":5704,"end_word":5708,"sentiment":"negative","sentiment_score":-0.40581151843070984},{"text":"Like I said, when we're at work, we don't have any expenses really. Yeah. So we can't really sit down and go, okay. This is what our current expenses are. Then you put, Yep. you know, work in the inflation Yep. cost because ours is not correct. Yeah. So to be able to try work that out, no idea how to calculate that.","start_word":5709,"end_word":5771,"sentiment":"neutral","sentiment_score":-0.2490207403898239},{"text":"A bit tough.","start_word":5772,"end_word":5774,"sentiment":"negative","sentiment_score":-0.4038594663143158},{"text":"Yeah. You sorta just wanna work out whether I would honestly just be working out average cost. So if you didn't have if if things weren't sort of covered for for you, how much do you think you would need? Do you think I mean, the average person, honestly, needs to live on between between sort of five to a thousand dollars on a weekly basis to cover the cost of everything. But then also factoring in, will you have a mortgage to account for or will you not? So do you think you're gonna be able to buy the house free and clear, or do you think you're gonna have a mortgage on that main primary residence at the same time? And what would that mortgage maybe look like? Yep. So, yeah, we would not retire until we had our where we were living paid off. Fully paid off. Yeah. Yeah. Yep. So that would be our plan there. Yeah. How much did you say the average person needs to live off? Between about 500 to $1,000 on a weekly basis depending on whether they're debt free or not. Yeah. Okay. Yeah. At least we sort of got that idea Yeah. then. Yeah. Because we would be looking, like, we I'd say too, like, we're we are tired asses, but we would want to have the opportunity not to be. So we would probably Yes. be looking more towards that 1,000 a week Yeah. so that we'd have money sitting there. So if we did wanna go splurge on something, we can. Or if, you know, we Yeah. wanna do an overseas holiday every year, we can. It's gonna be more than that. Yeah. Absolutely. Yeah. So So what are the next next steps then? So to start with, just I can do the advice now for you for the contribution because that is quite time sensitive. We do Yep. need to get that in before the end of the financial year for you. So that's more of a time sensitive advice piece. What I'll need to do is after the call, I'll go back and just generate a bit of an email with what we're going to need to be able to gather to be able to look at the advice piece for you and do the research. Yep. If you can kinda gather all the bits and pieces together, then we can come back and I can do a bit of research here. It is a quite a larger plan, so we'll take a bit of time to do the research there for you. If we do look at investing in your own personal name and building a sort of a portfolio, just so you are aware, we do charge an ongoing fee for the management of that portfolio. So very much the same as your super. It's 1.65%. That's essentially capped currently at balance of a 100 of 600,000. Sorry. And it's the the 1.65% is a yearly percentage fee for our services and monitoring ongoing. This fee is deducted out of the investment portfolio each month in smaller increments, and the idea of a percentage based fee is that it does market is doing really well, it does mean that our fee is gonna be higher. However, when the market is taking a bit of a dip, it does mean that our fee is gonna be lower as well.","start_word":5775,"end_word":6348,"sentiment":"neutral","sentiment_score":0.04886818572048111},{"text":"So percentage based fee does fluctuate with whatever the market is doing, which is really good and benefits you.","start_word":6349,"end_word":6367,"sentiment":"positive","sentiment_score":0.46714842319488525},{"text":"But just so you're fully aware, but I can outline that in the email for you as well. Does that sound okay? Yep.","start_word":6368,"end_word":6390,"sentiment":"neutral","sentiment_score":0.11259420961141586},{"text":"Perfect. Yeah. Beautiful. If you like, what I could also do is I can add a little budget plan in there for you.","start_word":6391,"end_word":6413,"sentiment":"positive","sentiment_score":0.4288286864757538},{"text":"It's a little tool that we do like to use where you can kinda go through and have a think about what you might spend on certain things to kinda give you an idea of what your regular weekly expenditure might be or what kinda income you might need to account for. Does that sound like something you'd be open to doing as well? Yeah. Definitely open to doing. Yep. I just think we are so out of touch with what stuff cost. But, like, we've been doing this for six years now, so we haven't, like, we haven't had an electricity bill in six years. We haven't had electricity bill in six Yeah. years. We haven't had a water bill in Yeah. six years. Like, we haven't had to like, and we don't like, at the moment, we're living in a, like, a mine site Yep. camp style. So we haven't had Yep. to buy food for the last year. We just got no idea how much stuff actually cost. We've only just gone on to a roster with work, Yeah. but we're actually off this week and just going to the shops and going food shopping.","start_word":6414,"end_word":6611,"sentiment":"neutral","sentiment_score":-0.02940860576927662},{"text":"We're just blown away with how much that cost.","start_word":6612,"end_word":6620,"sentiment":"negative","sentiment_score":-0.3428916931152344},{"text":"So Yeah. Yeah. yeah. We're just A bit yeah. tough. Yeah. I would have to like still do the Google research to see what the average cost of stuff is. Yeah. No. That's okay. Well, if you like, I'll drop it'll be a nice big email for you both. It'll outline, obviously, the fee structure of investing outside super, what we'll need to correlate to be able to do the research for you on all of these aspects. What we can do, if you're comfortable, you can send me all the information. I can do a bit of research around what that looks like and what we might be you know, the outcome might be, a bit of projecting. And then we can come back in the new financial year and have another joint conversation with you guys and just, you know, have a talk about what your goals are, what the research has been able to look at, really look at the risk profile in detail, and then come up with a plan moving forward. Does that sound okay? Yep.","start_word":6621,"end_word":6801,"sentiment":"neutral","sentiment_score":0.09089640075165922},{"text":"That sounds good.","start_word":6802,"end_word":6804,"sentiment":"positive","sentiment_score":0.40676650404930115},{"text":"Yeah.","start_word":6805,"end_word":6805,"sentiment":"neutral","sentiment_score":0.3114001154899597},{"text":"Perfect.","start_word":6806,"end_word":6806,"sentiment":"positive","sentiment_score":0.4874189794063568},{"text":"Does that sound alright with you, Christopher? You? All good? Yeah. Yeah.","start_word":6807,"end_word":6818,"sentiment":"neutral","sentiment_score":0.18394552171230316},{"text":"That sounds good.","start_word":6819,"end_word":6821,"sentiment":"positive","sentiment_score":0.3582577109336853},{"text":"Yeah.","start_word":6822,"end_word":6822,"sentiment":"neutral","sentiment_score":0.2851317226886749},{"text":"Beautiful. All good.","start_word":6823,"end_word":6825,"sentiment":"positive","sentiment_score":0.4200177192687988},{"text":"Just double checking. Christopher, do you prefer Chris or Christopher? I don't, you know, like to double check Yeah. that. Sorry. No. Yeah. Chris Chris is good. Chris is good? All good.","start_word":6826,"end_word":6857,"sentiment":"neutral","sentiment_score":0.038872577250003815},{"text":"Perfect.","start_word":6858,"end_word":6858,"sentiment":"positive","sentiment_score":0.3948058485984802},{"text":"Perfect. No problem at all. But Thanks. just Yeah. while we are kinda talking about the properties here, I do have the properties noted from the last year. I just want to double check which property is valued at which and what loan is on which. Now you said one property has a a loan value owing of 44,000. I only have with the properties noted here, I've got one that is a Harvey Bay property, which is investment property one. I have a Yep. second investment property and a third one, which you purchased last year. Which one of those would be the 44,000 owing? So that would be the one number one that says Harvey Bay. Yep. Perfect. So loan value on that one sitting at 44,000, and Yeah. that's fully 44 offset. and a half. Yep. Yep. Beautiful. Then so we've actually got four now. So we must have purchased another one since then. So did you want That's the okay. amount for all of them or what? Yeah. Just to update all the all the sec all the details here. So the second investment property, I don't have any kind of note of where it's located, but I had an asset value of 650,000 on that one, and it had a debt of 350,000 last year. Yeah. Okay. So that would be this this property is just outside of Harvey Bay. Okay. So it's still a suburb of Harvey Bay. Yep. But so it is got $4.50 owing, but Yep. it's got 375 in the offset. Okay. So this one here, I'll just put a note next to it saying, so $3.75 in the offset.","start_word":6859,"end_word":7137,"sentiment":"neutral","sentiment_score":0.028015266436295694},{"text":"Beautiful.","start_word":7138,"end_word":7138,"sentiment":"positive","sentiment_score":0.6112625598907471},{"text":"Yep. So that one only has a small amount owing.","start_word":7139,"end_word":7148,"sentiment":"neutral","sentiment_score":0.2456091046333313},{"text":"Excellent.","start_word":7149,"end_word":7149,"sentiment":"positive","sentiment_score":0.6272649765014648},{"text":"And Owing then difference. Yep. we've got one in Sunbury, which is in Victoria. Is that the one that you purchased last year? It would be. Yeah. Yep. Yep. So Sunbury.","start_word":7150,"end_word":7180,"sentiment":"neutral","sentiment_score":0.08346407860517502},{"text":"Beautiful.","start_word":7181,"end_word":7181,"sentiment":"positive","sentiment_score":0.4353424906730652},{"text":"It's And that one's $5.32. owing $5.32.","start_word":7182,"end_word":7188,"sentiment":"neutral","sentiment_score":0.09462174773216248},{"text":"Beautiful.","start_word":7189,"end_word":7189,"sentiment":"positive","sentiment_score":0.39441531896591187},{"text":"And then the new one is Western Australia, and it's Yep. got $5.60. And so neither of those have anything in the offset. Okay. And It that's just $5.60. yeah. Just Yes. adding Sorry. to that. The the way that the this is all structured, there's a master facility is what they call it. Yep. So that's actually debt that's related with deposits and stuff for those houses. So you would have to add that debt as well. Yeah. So what we did was for our first Harvey Bay property is we took the equity out of that property Yep. to be able to then have the deposit to pay for those two new properties. So Yep. the amount that's owing in that is 360. Okay. So that brings Perfect. us Dunbury and the WA Property loan ratio higher. Yes. So yeah. Yep. Yep. No. That's okay. That's not a problem at all. So $3.60 0 in there as well.","start_word":7190,"end_word":7349,"sentiment":"neutral","sentiment_score":0.05213136598467827},{"text":"Beautiful.","start_word":7350,"end_word":7350,"sentiment":"positive","sentiment_score":0.4197470545768738},{"text":"Now with each of those properties, the one in WA, what's the asset value you put on that property at the moment? I think it Oh, good question. Cost us $6.50. And I think 6 it's 150 and something. yeah. I think Yep. it's worth roughly $8.50 now. Yeah. The Okay. broker did Perfect. just do the valuations the other day for us. We do actually look at the documents there. 300,000. Perfect. And then with the one in Sunbury, what's the evaluation you put on that one? Pretty much what we bought bought it. I think it's sitting at $7.50, and we paid $7.50. Mhmm. $7.50? Yep. That's okay. And the one just outside of Harvey Bay, we had a an asset value of 650,000 on that one. Yeah. I think it's more now. I think it's probably I've got one. That document $7.50? Yes. Maybe maybe $7.50. $7.50. Yep.","start_word":7351,"end_word":7501,"sentiment":"neutral","sentiment_score":0.06866693462164986},{"text":"Perfect.","start_word":7502,"end_word":7502,"sentiment":"positive","sentiment_score":0.4983446002006531},{"text":"There we go. And then the one in Harvey Bay, we had here last year 650,000 on that one there as well. So I think it's $7.50 as well. So I think the two in Harley Bay is sitting at the same amount. Okay.","start_word":7503,"end_word":7546,"sentiment":"neutral","sentiment_score":0.16052092611789703},{"text":"Perfect. Perfect. Excellent.","start_word":7547,"end_word":7549,"sentiment":"positive","sentiment_score":0.6522976160049438},{"text":"Other than that, income wise, because we are looking at the additional contributions and making a deductible, I need to sort of confirm what your income estimate is supposed to be for this year when you consider your total income. So when you consider what the account is gonna look at with from the property is, what do you estimate your total income should be gross this year? Oh, good question. So Sorry. I'm currently I should've had this down, but I'm currently sitting at $1.70. That's just my Yep. pay for my last pay slip. So Yep. I get I get paid this week, so that's a fortnight behind. Yep. And then for the property like, two of the property just thinking how much would the properties be generating? Or partly. So two of them are port negatively geared and two are positively geared. So I do actually have a spreadsheet that shows this information. Is it easier if I reply to your email with this information? Yeah. Because I don't actually know Yeah. it off the top of my head. I can No. give you That's the figures. Like, I know how much the rent is to give yep. that Yep. figure. That's okay. But, yeah, do you want that information or no? I just need to work out what your gross income is expected to be for this for this financial year total just so I can kinda work out what what the contribution looks like and how that might provide you a benefit and, yeah, affect you essentially. Yep. So two of the oh, so I think it sits around a 120. I think the four properties, the rent, without any Yep. of the expenses deducted, sits Yep. around $1.20. Okay.","start_word":7550,"end_word":7844,"sentiment":"neutral","sentiment_score":0.02328717905901751},{"text":"Perfect.","start_word":7845,"end_word":7845,"sentiment":"positive","sentiment_score":0.45235514640808105},{"text":"So $1.20 without any deductions. Do you know what the deductions might sort of expected to look like to bring your the income component down for you at? Not off the top of my head. It's just because we No. got four, so I can't remember them. Yeah. Two No. That's okay. If you like, I can put that in the email for you. If you just sort of reply back with what the gross income might look like, then I can kind of go from there for you. Is that alright? Yeah. Yeah. Two of Yep.","start_word":7846,"end_word":7942,"sentiment":"neutral","sentiment_score":0.06813887506723404},{"text":"them, hopefully, Perfect. this year hopefully, this year will be our best year.","start_word":7943,"end_word":7955,"sentiment":"positive","sentiment_score":0.5602611899375916},{"text":"A big thing was trying to reduce our tax with buying the investment properties originally Yep. as well. Yep. And we did two new builds because you can claim all the fittings and fixtures and blah blah blah blah. Yeah.","start_word":7956,"end_word":7995,"sentiment":"neutral","sentiment_score":0.1626664698123932},{"text":"Love that.","start_word":7996,"end_word":7997,"sentiment":"positive","sentiment_score":0.4453880786895752},{"text":"Yeah. So last year, we didn't really get we got a couple of months into the year for Sunbury, and then this will be our first full year Yep. to claim that and same with Western Australia. So we really wanna get a good tax accountant to to benefit as much as we can from Yeah.","start_word":7998,"end_word":8053,"sentiment":"neutral","sentiment_score":0.1921226531267166},{"text":"from that this year and being the first year that we really should be able to get a decent claim instead of giving it all to government.","start_word":8054,"end_word":8080,"sentiment":"positive","sentiment_score":0.3711898922920227},{"text":"So Yep. the other two aren't new, so there's not as much to claim. We've got tax depreciation done for all property. Yep. But, yeah, this year will be the the probably the year that we got an idea on how much we can claim. Yeah. No. That's okay.","start_word":8081,"end_word":8129,"sentiment":"neutral","sentiment_score":0.1233801245689392},{"text":"Not a problem at all.","start_word":8130,"end_word":8134,"sentiment":"positive","sentiment_score":0.3451715111732483},{"text":"I'll pop that into the email there as well. This will be a pretty bulky email for you, but it'll kinda contain everything that we need to be able to help you out and get the advice. But I'll pop it in the email for you so if you just confirm that for me. Is that okay? Yep.","start_word":8135,"end_word":8192,"sentiment":"neutral","sentiment_score":0.10211247398421684},{"text":"Sounds good.","start_word":8193,"end_word":8194,"sentiment":"positive","sentiment_score":0.34977492690086365},{"text":"Yep. Yep.","start_word":8195,"end_word":8196,"sentiment":"neutral","sentiment_score":0.1828548163175583},{"text":"Fantastic. Excellent.","start_word":8197,"end_word":8198,"sentiment":"positive","sentiment_score":0.6241693496704102},{"text":"And you kinda mentioned that you do guys travel around a lot for work. Yep. You're still in the same area. I've got down here that you're in technically construction industry and that your occupation is a safety adviser. Is that right? Yeah. So I'm to manager now, but, yeah, still Yep. construction and, yep, HSE manager.","start_word":8199,"end_word":8255,"sentiment":"neutral","sentiment_score":0.05180159583687782},{"text":"Perfect. Fantastic. Lovely.","start_word":8256,"end_word":8258,"sentiment":"positive","sentiment_score":0.6662721633911133},{"text":"And I've got down here for accessing super. We were working on age 60. Obviously, you've got those other goals there where you're wanting to try and build wealth outside of super so you can retire around about 50, if not before. Is that still correct? Yep. Yep.","start_word":8259,"end_word":8306,"sentiment":"neutral","sentiment_score":0.13679493963718414},{"text":"Beautiful.","start_word":8307,"end_word":8307,"sentiment":"positive","sentiment_score":0.3488280177116394},{"text":"I also had done here that you were sort of hoping to accumulate assets of around about two to two point five million net. Is that right? Oh, I don't know how we would have come to that figure, but we just That's wanted okay. to this is gonna sound silly, but we just want as much You're as right. possible to As say much that as possible. I'm yeah. with you there. Absolutely. Absolutely. I got that. Not a problem at all.","start_word":8308,"end_word":8390,"sentiment":"neutral","sentiment_score":0.04513943940401077},{"text":"Beautiful. Excellent. Well, look, that's honestly really good.","start_word":8391,"end_word":8398,"sentiment":"positive","sentiment_score":0.4825363159179687},{"text":"Is there any other goals or anything else that you can think of with regard to the properties or the advice that we're looking at at the moment that you might wanna kinda add into here? What what so what we do with work is because it's construction, so we will we'll do a project. The project will then finish, and then we Yep. generally will take a few months off of work. Yep. But, like, last year, Yep. we had close to three months off maybe. It was, like, three to four months in Yep. total. And so we didn't, like, go travel in our caravan for that time. So the reason why we, you know, don't really wanna buy another property is because we do want to reduce our debt because we don't have a constant income. Yes. So when we do take those extended periods off work, we're not getting paid. Yeah. So we just need to make sure we're being smart about it so that we don't Yep. have big bills and we can afford Yeah. to still travel and not have an income. Yeah. Yep. No. That's okay.","start_word":8399,"end_word":8591,"sentiment":"neutral","sentiment_score":-0.05003061076056771},{"text":"Not a problem at all. Beautiful.","start_word":8592,"end_word":8597,"sentiment":"positive","sentiment_score":0.4510739743709564},{"text":"Well, I think we've covered most things there. As I said, I'll put do up a really big email for you to call it all the things that we do need, the any additional questions that we might have. Once we've kind of got all that detail, we can come back and just have another conversation around your goals, have a think about what it is when you're running to retire, what the income component might look like, anything else that might be relevant there. In the meantime, I can do a bit of research around what we've got, what what this might look projected wise, and then we can always come back and and reassess and do a nice big advice piece for you. Does that sound okay? Yep.","start_word":8598,"end_word":8727,"sentiment":"neutral","sentiment_score":0.1811505556106567},{"text":"Sounds good. Fantastic. Lovely.","start_word":8728,"end_word":8731,"sentiment":"positive","sentiment_score":0.6904624700546265},{"text":"So just to kinda go through your stupid now, now I did give you a balance before there, Laura. So your balance as of essentially yesterday's date was a 118,718 and 61<unk> there.","start_word":8732,"end_word":8765,"sentiment":"neutral","sentiment_score":0.10998550802469254},{"text":"So it is definitely up.","start_word":8766,"end_word":8770,"sentiment":"positive","sentiment_score":0.4024186134338379},{"text":"Having a look back at your annual review last year when you completed that with Tommy there, the balance in your account then was 96,209 and 70<unk>.","start_word":8771,"end_word":8799,"sentiment":"neutral","sentiment_score":0.11933563649654388},{"text":"So your super has done really, really well when we kinda break that down.","start_word":8799,"end_word":8813,"sentiment":"positive","sentiment_score":0.46285247802734375},{"text":"You're in that high growth kind of environment there. So at the moment, and in a high growth portfolio, you wanna see about 90% of your funds in those growth assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver, that's where you tend to see a lot of the returns from moving forward, and that's where you also see those those ups and downs of volatility that kinda make us a bit nervous as well. So at the moment, your current exposure is sitting at 93 there, which is within that range of what we'd like to see. And then you've got about 7% defensive. The high growth portfolio normally sees about around about sort of 5% offensive. Seven's a little bit higher, but it's within range for discrepancies. And because of, you know, the way portfolios work, you do also see often see a little bit of a discrepancy in that. So we have a range.","start_word":8813,"end_word":8974,"sentiment":"neutral","sentiment_score":0.013823843515121642},{"text":"We're happy with about a 5% range either side of that for your high growth environment, and 7% defense is not bad at all.","start_word":8975,"end_word":8998,"sentiment":"positive","sentiment_score":0.5839551687240601},{"text":"When I have a look at the total of how your portfolio has performed, Sorry. I'm just bringing Yep. up the report. I do apologize. Might be one Yeah. second. Just gotta open it up. Oops.","start_word":8999,"end_word":9034,"sentiment":"neutral","sentiment_score":0.01339875627309084},{"text":"My computer's a little bit slow. Work is a bit too hard today, I think.","start_word":9035,"end_word":9049,"sentiment":"negative","sentiment_score":-0.4050475955009461},{"text":"Gotta love technology. Yep. When you look at here at the portfolio, so net of fees, you've got a 12.39% return there.","start_word":9050,"end_word":9071,"sentiment":"neutral","sentiment_score":0.24012330174446103},{"text":"So not bad in any way, shape, or form.","start_word":9072,"end_word":9080,"sentiment":"positive","sentiment_score":0.34815090894699097},{"text":"With the high growth environment, as I kinda mentioned before, you are sort of wanting to be invested for at least eight years before accessing that super because of the risk that you are taking and the exposure that we do see there. This you you're still really young. You've got a lot more time than eight years before you're able to access your super at this stage.","start_word":9081,"end_word":9148,"sentiment":"neutral","sentiment_score":0.14485082030296326},{"text":"So you do fit within that high growth sort of environment there. And when we are looking at long term sustainable returns, the high growth portfolio, we're looking to achieve around about eight to 10% on a yearly basis. So the fact that you've received 12.39% net of fees, it's after our ongoing fee as well as any admin fees or super fees that are deducted there, does show that your portfolio has well and truly overperformed for the year, which is a really solid return.","start_word":9149,"end_word":9234,"sentiment":"positive","sentiment_score":0.4698630647603856},{"text":"I tend to give everyone the the performance as a percentage, but also as a dollar figure as well. So the income and the growth, and that's what we're looking at. Your contributions do go into the portfolio, but they're essentially seen as capital or principal. We look at when we're looking at the returns, the internal rate of return, the income that's produced out of those investments and the additional growth, so the changes in the market price of the investments there. And it shows that for the year, you've made about 14,003 sorry. $14,735.80 per year.","start_word":9235,"end_word":9332,"sentiment":"neutral","sentiment_score":0.1981307566165924},{"text":"So it's a really good return. You've achieved really well for the year, and it's it's really happy with that.","start_word":9333,"end_word":9352,"sentiment":"positive","sentiment_score":0.7065541744232178},{"text":"Did you have any questions so far about any of it? Sorry. Okay. You're right. I don't think Yes. so. No. Because I don't really Yeah. obviously, because you can't access your super for so long, and we are obviously Yeah. planning on retiring before you can access it. We're sort Yeah. of just wanting to have the Zebra as, like, a backup. Yes.","start_word":9353,"end_word":9416,"sentiment":"neutral","sentiment_score":-0.017428208142518997},{"text":"So as long as it's growing and it's growing well, I'm I'm very happy with that. Perfect. Fantastic.","start_word":9417,"end_word":9434,"sentiment":"positive","sentiment_score":0.40573325753211975},{"text":"When I do have a look at some of the investments in there, I can see one that is underperforming a little bit. And I know when Tommy spoke to you last year, he talked to you about the Australian equities component that been along Australian equities managed fund in there. Do you remember kinda talking to him about that last year? I do, Bailey. Yeah. Yeah. I think he Yeah. just said that they'll just monitor it from memory. Yeah. Yeah. So it looks like last year was over underperforming a little bit there. And having a look at it now, it is still underperforming. So I would like to maybe update the advice for you and remove that out of that. I can also incorporate that into the advice piece for you. Maybe look at moving that out and putting something in its place that hasn't been underperforming as much. It might also be a bit more cost effective for you to find a cheaper managed investment. Would that sound okay? Yes. Yes.","start_word":9435,"end_word":9609,"sentiment":"neutral","sentiment_score":-0.013896009113107408},{"text":"Sounds good. Yep. Fantastic. Perfect.","start_word":9610,"end_word":9614,"sentiment":"positive","sentiment_score":0.5443873405456543},{"text":"So with the Bennelong team, just kind of get a guide on what you're sort of after investment wise with your super. Bennelong Australian Equities is a managed funder. They generally hold between 15 to 25 different investment options. The investment manager of that is more of an active manager, so their job is to buy and sell investments, time the market, and try to outperform against the market or the indices that they're trying to sort of track. We can, if you wanted to, look to maybe reduce the cost a bit and change that to have a more passive investment. Passive investments might be more diversified, have more underlying investments there, and are designed to track the market or the industries instead of trying to outperform it, which means that they have less risk of underperforming against the market. Did you want me to look at something more cost perspective, or did you want more of an actively managed in there? Or what's your thoughts around that? I'm honestly just happy to go with whatever you guys think is best for Yeah. the super. Yeah. Whatever Yeah. you'd recommend.","start_word":9615,"end_word":9805,"sentiment":"neutral","sentiment_score":0.1247478574514389},{"text":"Perfect.","start_word":9806,"end_word":9806,"sentiment":"positive","sentiment_score":0.5179862380027771},{"text":"I'll have a really good look at everything for you. I can incorporate that into the advice piece of your contribution if you like, Yep. and then we can come back and have a really good chat about what we're what we're gonna switch that for you. Okay? Yep. That sounds Perfect. Now the other thing to sorta have a chat about is the insurance side of things. So just having a look, you do have insurances that are paid out of your super fund at the moment. With your MetLife good. policy there, you do have you've got some life cover. So the life cover has some insured at the moment of 551,250. You have the same amount of TBD cover there. Having a look, you don't have any income protection and don't have any trauma or any additional covers outside of so far. Are you happy with the amount of coverage that you have given that your investment properties are pretty well, you know, self managed and you're paying them down nice and fast and you have very much low expenditure. Or did you wanna maybe look at reevaluating those levels of cover? What are your thoughts there at the moment? No. I think I'm happy with how it is at the moment. Yep.","start_word":9807,"end_word":10022,"sentiment":"neutral","sentiment_score":0.11310515231970283},{"text":"Beautiful.","start_word":10023,"end_word":10023,"sentiment":"positive","sentiment_score":0.4300096035003662},{"text":"And with not having income protection, I know you do have those four investment properties there. And, like, if you were not able to work, I know Chris is still working, and you've probably you've got money in the offset to sort of suffice. You're comfortable not having any income protection or any additional insurances. You're just happy with the life and TPD. Is that right? Yeah. For the time being, I think so. Because Yep. our work is yeah. Our work is I can't see it not happening anytime soon. So, No. yeah, That's at okay. the moment, all good.","start_word":10024,"end_word":10124,"sentiment":"neutral","sentiment_score":0.05255066975951195},{"text":"Absolutely. Fantastic.","start_word":10125,"end_word":10126,"sentiment":"positive","sentiment_score":0.4039269685745239},{"text":"And just looking at the beneficiary side of things as well there. So I can see we do have Chris noted as your beneficiary in the event of passing your super and your life insurance is paid after him at a 100%. Yep. You're comfortable with that? That's the way you want that sort of structured? Yep. Yep. That's good. Yep.","start_word":10127,"end_word":10187,"sentiment":"neutral","sentiment_score":0.14443136751651764},{"text":"Fantastic. Look, everything is working really well very nicely. I've got a really good idea of where we're sort of going with things. There there's no need to sort of change the insurances now, which is a positive sign for you.","start_word":10188,"end_word":10228,"sentiment":"positive","sentiment_score":0.5393209457397461},{"text":"Just double checking, having a look at the other estate planning side of things, I've got a note here that you do have a will and power of attorney. They're all still active and in place and reflect your current wishes. Is that right? Yep. That's correct. Yeah.","start_word":10229,"end_word":10276,"sentiment":"neutral","sentiment_score":0.1949753314256668},{"text":"Fantastic. Perfect.","start_word":10277,"end_word":10278,"sentiment":"positive","sentiment_score":0.4649721384048462},{"text":"And how's your health been for the last twelve months? No major changes. Everything's going really well? Yeah. No changes at all.","start_word":10279,"end_word":10300,"sentiment":"neutral","sentiment_score":0.11973471939563753},{"text":"Oh, fantastic. That's what we wanna hear. Excellent. Excellent.","start_word":10301,"end_word":10309,"sentiment":"positive","sentiment_score":0.4865415394306183},{"text":"The only other thing to sort of confirm now, as we kinda mentioned you are in that high growth environment there, I've just got a really quick risk profile just to kinda gauge whether we've gotta make any changes to your portfolio. I don't think there are any changes to make there. You kinda sort of also mentioned to me that super sort of a backup plan. Your main plan is, you know, looking at investment properties and investing in your own name outside of super there. Yep. If you did see the market take a bit of a dip with your current balance and say it did fall by 20% in the next sort of one or two or even three years there, knowing that you're not able to access your money, how do you sort of feel about your super balance taking that sort of a dip in the short term? Do you consider that you'd be quite concerned, maybe wanting to sell the investments? Do you think it's maybe more of an investment opportunity, or are you probably just wanting to hold and wait and see what happens? What's your thought? Yeah. I'm not really phased. I would just hold and wait. Trust the process. Yep. Trust the process.","start_word":10310,"end_word":10521,"sentiment":"neutral","sentiment_score":-0.0258814450353384},{"text":"I love it. All good.","start_word":10522,"end_word":10526,"sentiment":"positive","sentiment_score":0.4788432717323303},{"text":"The other question here is looking at what kind of reasonable rate of return you're expecting to achieve from your investments. I've ticked number one, trying to obtain the best return you possibly can for the risk level you're taking. Is that accurate? Yep. Sounds good. Yep.","start_word":10527,"end_word":10573,"sentiment":"neutral","sentiment_score":0.09343373030424118},{"text":"Fantastic.","start_word":10574,"end_word":10574,"sentiment":"positive","sentiment_score":0.37738001346588135},{"text":"And the last one here is have you ever seen your super full in value? I'm sort of noting that you're not really sort of worried. Any sort of major drops in your super, you're happy to to sort of wait and still, you wouldn't be too concerned about that. Yeah. That's correct. I do check it every now and then. But Yep. yeah. No.","start_word":10575,"end_word":10639,"sentiment":"neutral","sentiment_score":0.05579722672700882},{"text":"I'm not satisfied.","start_word":10640,"end_word":10642,"sentiment":"negative","sentiment_score":-0.337108314037323},{"text":"If it's going down, it's going down. It is what it is. Yeah. No. That's okay. Not a problem at all. And the last one here is looking at have you ever thought about taking out a loan to invest? You did say last year that you would so long as you have the right sort of advice around that, and you have borrowed to buy those investment properties. So taking number one there that you are comfortable borrowing to invest given your time horizon at the moment. Is that right, or would you alter that decision? No. No. No. That I'm still sounds fine. yeah. Happy to yeah. Yep. Yep. Yep.","start_word":10643,"end_word":10754,"sentiment":"neutral","sentiment_score":-0.006460370229823249},{"text":"Beautiful. Well, you've definitely scored there as a high growth investor given your time horizon and the way your super is growing. And, obviously, you know, the way you are in your life, it does sound like the right place to be.","start_word":10755,"end_word":10796,"sentiment":"positive","sentiment_score":0.5263305306434631},{"text":"If you ever are finding or hearing anything in the out in the market or in the news that is concerning, please feel free to give us a call.","start_word":10797,"end_word":10825,"sentiment":"neutral","sentiment_score":0.16581258177757263},{"text":"We are definitely here to help you.","start_word":10826,"end_word":10832,"sentiment":"positive","sentiment_score":0.5435463190078735},{"text":"We do wanted to do these reviews a bit more regularly with you. Did you want Yep. us to do a bit of a catch up with regard to your super in maybe the next six months or three months, or are you happy with just the review once a year? What would you kinda prefer moving forward? No. I probably would like it more regularly. Yeah. Yeah. Yeah. Probably six monthly. Six monthly? Yeah.","start_word":10833,"end_word":10907,"sentiment":"neutral","sentiment_score":0.04282313957810402},{"text":"Perfect.","start_word":10908,"end_word":10908,"sentiment":"positive","sentiment_score":0.3367176651954651},{"text":"I'll put that in the calendar there for you so my team will touch base. In about six months, they'll do a bit more of a a review, sorry, around your super just to kinda give you a bit of a quick catch up and see how things are traveling there for you. Yep. In the meantime, I'm gonna shoot through after the call your annual review documents as there there as well. So it does have a portfolio report to show you. Essentially, what I was looking at when looking at the returns and give you a bit of a breakdown of how your super's been performing. It's also got the certificate of currency there for you. I've got the financial services guide. So I'm not sure if we've spoken before. It doesn't look like we have, but I'm a full licensed adviser the same as the others here and Tommy was. Essentially, all of that information's in the financial services guide.","start_word":10909,"end_word":11071,"sentiment":"neutral","sentiment_score":0.11752039939165115},{"text":"That one's who I am, what I do, has a lovely picture of me in there for you if you wanna have a bit of a look at that, and, also, my registration information as I'm a licensed adviser through Asics.","start_word":11072,"end_word":11112,"sentiment":"positive","sentiment_score":0.4428962767124176},{"text":"So you can have a bit of a look through that, get a bit of a guide on who we are, what we do, and how we do it. And, Chris, if you wanted to have a bit of a look through that, absolutely. It just breaks down a bit more around our services, who we are, what we do, how we do it, and what advisers essentially do. I'll Yep. also have the ongoing service agreement attached there. So if you find you're happy with the services, wanna stay onboard for the next twelve months there, I'll just get you to sign and return that one back there for us, Laura.","start_word":11113,"end_word":11224,"sentiment":"neutral","sentiment_score":0.25982874631881714},{"text":"That just allows us to keep looking after your super, providing the services, and updating the advice in relation to super.","start_word":11225,"end_word":11245,"sentiment":"positive","sentiment_score":0.3562607169151306},{"text":"And then I'll send that other email out separately to you, just to we'll just correlate all the data so we can have a bit of a a look at what your goals and objectives are, and we'll come back and have another conversation when you're come when you guys are ready to really look at, you know, what the research looks like, what your goals are, and what we can maybe do advice wise to help you along investing in your own name. How does Yep. that sound so far? Yeah.","start_word":11246,"end_word":11337,"sentiment":"neutral","sentiment_score":0.23922941088676453},{"text":"Good. Thank you. Yeah. All good. Fantastic. Everything that's kind of everything I needed to touch on now.","start_word":11338,"end_word":11355,"sentiment":"positive","sentiment_score":0.5275375247001648},{"text":"I think the main thing is to get that email out to you and kinda correlate the data.","start_word":11356,"end_word":11373,"sentiment":"neutral","sentiment_score":0.3046973645687103},{"text":"I'll get the information back as quickly as if you can get that back to me as quickly as you can in relation to your income side of things and the catch up contributions, just so I can correlate that advice case there for you, Laura, and get that update up to date.","start_word":11374,"end_word":11426,"sentiment":"positive","sentiment_score":0.36320701241493225},{"text":"Chris, because I don't have access to your super, I can't can't give you personal advice there. But if you wanted to send me yours, I could give you a bit of a breakdown on, you know, essentially making a deductible contribution. Yep. Or, alternatively, if you just look at your catch up contributions, it tells you how much you have available cap space, and you'll be able to utilize that as well. Is that okay? Yeah. That's alright. I can look into look into that.","start_word":11427,"end_word":11512,"sentiment":"neutral","sentiment_score":0.06685249455446421},{"text":"I think it's something that I'm definitely gonna do this to.","start_word":11513,"end_word":11523,"sentiment":"positive","sentiment_score":0.37653520703315735},{"text":"Yeah. Okay. Yeah. Yep.","start_word":11524,"end_word":11527,"sentiment":"neutral","sentiment_score":0.22176477313041687},{"text":"Yeah. Love to have more of a chat about your super and have a look at what we can do moving forward.","start_word":11528,"end_word":11549,"sentiment":"positive","sentiment_score":0.6382715702056885},{"text":"Absolutely. Do you guys have any other questions? Is there something I've missed or haven't touched on that you maybe wanted me to touch on for either of you? Or Well, we do so the reason why we have a self managed super fund is because when we yeah. went through these advisers, they were saying to us, oh, buy an investment property and use super. It's great. Blah blah Yeah. blah. And, anyway, Yep.","start_word":11550,"end_word":11624,"sentiment":"neutral","sentiment_score":0.019632410258054733},{"text":"so we got we got sucked into it, so we did. And it's been a complete disaster.","start_word":11625,"end_word":11641,"sentiment":"negative","sentiment_score":-0.5421020984649658},{"text":"The property so it was a unit in Melbourne, and it was meant to be fully finished December last year. However, Yes. it's something to do with the trains, the new railway train. Underground rail line. Yeah. Yeah. So, apparently, all the permits are approved to build. All the correct steps are taken before they started the build. They've done the slab, but then, Yep. I don't know, obviously, there's some concerns, some something in relation to the underground rail, and I don't know, whether it's proximity, how close it is, or whatever it is, we get said Yeah. limited information. Long story short. It's Yeah. in court is the problem. So the property hasn't been built. It's still Yeah. a hole in the ground, and they're currently in the court.","start_word":11642,"end_word":11772,"sentiment":"neutral","sentiment_score":-0.14151078462600708},{"text":"So we have no idea when it will be built. And the problem is we put 70,000 of our super into that as a deposit.","start_word":11773,"end_word":11797,"sentiment":"negative","sentiment_score":-0.3897134065628052},{"text":"Yeah. Oh, yeah. And we only Wow. found out the other day that it's now sitting in the So it's just sitting in a trust fund, but it doesn't own any interest, doesn't do anything in the sunset clauses until '29. 2029. Sorry. Disaster. So I don't know, yeah, Wow. if Yeah. any if if we can speak to anyone, if you've got any good solicitors that you guys use. Or We don't know what to do is the problem. We don't know whether and, like, the problem is because the sun pet caused. I guess we sort of just have to write it out and see what happens. I don't know. Yeah. Because it's in court, you may not be able to do anything until it goes to the legal process. But I'll see if there's a solicitor or someone I can refer you through to to maybe have a look at that in a bit more detail. Yep. But, yeah, I'll see what I can find and maybe get some additional information there for you. It might just be that that's all kind of locked away for the moment. So, Chris, is that all your super, or do you have other super that you're getting money paid into at the moment as well? So that's, yeah, my super. So it's a portion of my super. I think my super's now sitting at It's still a fair bit. It's more than me. Like, the $1.60 or something? Yeah. Around Okay. $1.60 or $1.70. So Yep. it's not it's not that that was always super, and we're now like, oh my god. What have we done? Yeah. But it's Yeah. 70 Yeah. thousand. Oh, it's like it's still Still. a lot of money. Yeah. No. Still a lot of money to have sitting there not doing anything now, isn't it? It is. Yeah. So it's Yeah.","start_word":11798,"end_word":12113,"sentiment":"neutral","sentiment_score":-0.0769619765821137},{"text":"not good, but No. we're not losing sleep over it No.","start_word":12114,"end_word":12124,"sentiment":"negative","sentiment_score":-0.4505887031555176},{"text":"yet. No. Definitely. And your money's working over here in the other super funds. So that's okay. No. Absolutely. Look. It honestly does look like the money will unfortunately be tied up until it goes through the court process, but I can have a bit of a look and find out what what I can find information wise. And if there's maybe a solicitor we can refer you through to to maybe have a conversation around that, I will. Yes. But I'll do a bit of research for you and see what we can come up with there.","start_word":12125,"end_word":12222,"sentiment":"neutral","sentiment_score":0.010970792600086756},{"text":"That's a bit of a shame.","start_word":12223,"end_word":12228,"sentiment":"negative","sentiment_score":-0.743116557598114},{"text":"You Yeah. probably It had is. some Yeah. high hopes from that one property. So the We intention did. with that SMSF, are you sort of hoping to just kinda get through the court process, get your funds back, and maybe close it off, or do you kinda hope they're gonna get that property built? Or what do you sort of think down the track you would hope to get from this?","start_word":12229,"end_word":12300,"sentiment":"neutral","sentiment_score":-0.01119864173233509},{"text":"Well, probably the the well, my thought was the property built because it it was a good property.","start_word":12301,"end_word":12318,"sentiment":"positive","sentiment_score":0.4419547021389008},{"text":"Yeah. The the company that we went through that advised us to go down this track sent an email the other day, like, request we're always requesting updates, and it's unfortunately the same shit.","start_word":12319,"end_word":12352,"sentiment":"neutral","sentiment_score":-0.22703243792057037},{"text":"No updates.","start_word":12353,"end_word":12354,"sentiment":"negative","sentiment_score":-0.33792608976364136},{"text":"But they just continue to tell us that, oh, but the property value is in the area of increase. So, you know, your your deposit is actually an investment. And once the property gets built, you know, the the value of the unit is gonna be worth more.","start_word":12355,"end_word":12402,"sentiment":"neutral","sentiment_score":-0.1690252423286438},{"text":"But there's a there's a massive chance, in my opinion, that the builder's gonna turn around and say, fucking building supply prices have gone up, and now we need to charge you more to build it.","start_word":12403,"end_word":12438,"sentiment":"negative","sentiment_score":-0.5017169117927551},{"text":"Apparently, they can't, though.","start_word":12439,"end_word":12442,"sentiment":"neutral","sentiment_score":-0.3225284516811371},{"text":"But the problem is too is that when we got this advice, they that like, this company was pushing properties.","start_word":12443,"end_word":12462,"sentiment":"negative","sentiment_score":-0.44008782505989075},{"text":"And so I don't know. Like, we didn't sit down with someone and say, oh, is it a good idea to get property in your super, or are you actually going to make more by just, like, investing in shares with you just normal super? So, yeah, that was a rookie error on our behalf because we just went through them for advice. They made it sound like fantastic, so I don't know. Yeah. No. That's understandable. That's okay. As I said, I'll find out what I can about that. I'll see if there's a solicitor I can refer you through to sort of help you along. Yep. In the meantime, I will send you a really nice, big, bulky email with the things Yep. we need to correlate for the extra advice there for you. We'll look at your income, look at the deductible contribution. I'll do some research around the additional investment in super and see what we can switch to that too and how that looks there for you. And then we'll come back and have a bit more of another conversation and and look at what your goals are with regards to investing in your own name and see what we can do to help. Okay? In your own name and see what Yep. we can do to help. Sounds Okay?","start_word":12463,"end_word":12687,"sentiment":"neutral","sentiment_score":0.07176681458950043},{"text":"really good. Thank you.","start_word":12688,"end_word":12691,"sentiment":"positive","sentiment_score":0.43941569328308105},{"text":"No. That's okay.","start_word":12692,"end_word":12694,"sentiment":"neutral","sentiment_score":0.14242905378341675},{"text":"Thank you so much.","start_word":12695,"end_word":12698,"sentiment":"positive","sentiment_score":0.6102043390274048},{"text":"I'll let you guys go for the afternoon. If there's anything else, let me know. Laura, you also have my email address. So if anything else comes up that you've missed or that you need additional, let me know.","start_word":12699,"end_word":12737,"sentiment":"neutral","sentiment_score":0.15224401652812958},{"text":"Always happy to make more time to come back and talk.","start_word":12738,"end_word":12748,"sentiment":"positive","sentiment_score":0.4101353883743286},{"text":"We'll get the contribution side of things sorted for you because that's more time sensitive given we're in June. And then we'll come back and look more in detail at the Yep. the other side of the advice for you guys. Okay? Yep.","start_word":12749,"end_word":12791,"sentiment":"neutral","sentiment_score":0.14173518121242523},{"text":"Sounds really good. Thank you. Oh, my pleasure. It's been a pleasure to catch up with you both. It's been a really good you've got a lot going on, so we'll definitely see what we can do to help. Awesome. Thank you. Really appreciate it. Not a problem at all. You both have an amazing afternoon. Thank you for your time.","start_word":12792,"end_word":12852,"sentiment":"positive","sentiment_score":0.6636835336685181},{"text":"You too. See you later. I Thanks. see it. Bye. Bye.","start_word":12853,"end_word":12863,"sentiment":"neutral","sentiment_score":0.23644086718559265}],"average":{"sentiment":"neutral","sentiment_score":0.08562152590908555}}}}