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I had you booked in to go through your updated statement of advice to to make some changes to your investments. Is now still a good time here for you? Fan fantastic. How's your day being so far? Yeah? No. All good. Well, I'll try not to take up too much of your time there. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Beautiful. Thank you so much for that. Catherine, I do send through the email to you with the statement of advice document attached. Are you able to access your email and pull that one up at all? Yeah. Just then. I send it when I give you a call. Yeah. That's that's okay. If you're making a coffee, you're welcome to to grab that. That's fine. Oh, okay. No. That's alright. That's okay. That's not a problem at all. Nice. Not a problem at all. When you do get into your emails there, it should've come through from OdooSign and ordainer@oqfinancial. Has that come through there to you at all? No. Double check your junk mail as well. Nothing? Okay. I can go back in and press resend to see if that's the problem. It might also just take a little bit a little bit of time. I've just pressed resend to see if it comes through to you there again. And, yeah, I've got your email the same as the last we used. It's quickly@hotmail.com. There's no changes to that at all? No. That's yep. Beautiful. That's okay. Beautiful. So when you open the email there, it does have a little button that says sign here or sign to complete or sign now. You just click on that button so you can move forward through the document. When you click on that button, it takes you to the next screen, which will have the actual statement of advice then. It lets you go through the pages individually. Yep. Beautiful. Excellent. So the first page of the document there, the front page, it does say statement of advice prepared for yourself as of the 08/25/2026. All of our advice is valid for sixty days. So we date it for the date of the actual presentation there. On the bottom of the front page, it has my details. So I'm also as representative of Ophi Financial and a licensed financial adviser through ASIC, and my registration number is 13 oh, sorry. 1304394. Okay? The next page as you are sort of scrolling through, I'll take you through these a little bit more briefly. But the next page, Alan, the best interest duties is just noting that we do act in your best interest. Any advice we do provide is there to meet your goals. The following page continues forward to the table of contents, and then we have the scoping in and out areas. So, essentially, with this advice piece, we're looking at superannuation. We're also looking to retain your insurances exactly as they are because you are on an income protection claim as well as working part time. But we've scoped them in because the insurances have to be factored in. They are paid out of your super, so it does have an effect on your on your retirement. And so it has been factored into the projection table for that purpose there. Okay? We've also got the estate planning side of things. So I've scoped that in. Just because you don't have a will and power of attorney up to date, it is definitely something to consider doing. I've scoped out the beneficiaries because you have those in place on your super and your life insurance policy, and you are happy with how they were noted. But we scoped in your state planning, noting it is important that you do speak to a solicitor and draft up a will and power of attorney for yourself just to make sure that everything that you've worked really hard for is protected. Okay? Excellent. Areas that we're not looking at with the advice there is on page number five and onwards. So you did you know, looking forward the income protection side of things, you've got income protection at the moment. You've also got some trauma cover. We're not making any changes or recommendations on any of those. We're not scoping in anything to assist with the cash on budgeting at this time. If you did need additional assistance or new advice down the track, we can certainly help you to look at that. And then, again, at the bottom there, I've scoped out the beneficiary nomination side of the estate planning because you have those current on your super and your insurances. They do currently reflect your wishes. We'll just keep to review them with you and make changes as we need you down the track. Okay? That was on page number five. Yeah. Beautiful. Now I am gonna skip ahead a few pages, but you'll get to take this back and have a really good read at it prior to taking on the advice. But, essentially, if I can get you to scroll scroll down for me, we're gonna head down to page number 23. I'll take you through the sections of the advice that I need to to touch on the points that I need to, and then you're welcome to take your document back and have a really good read of it prior to you accepting any of the advice. Okay? Beautiful. Now when you get to page 23, it should say on the heading there the fee comparison table. So you can just let me know when you get to that point there. That's okay. Okay. Yeah. Beautiful. So, essentially, with the recommendations there, we had scoped in super as I kinda mentioned, and we're looking at trying to meet your goals. You were hoping to be able to retire at around about the age of 60 there. Your super balance is working well, but it has been a little bit lower and held back with returns this year partly because of what's been happening in the markets globally, but also just with the better long Australian equities investments. So we agreed to go back and have a really good look at the investments, look at the way the super was structured, and look at whether or not, you know, moving to another fund or moving switching your investments was gonna help a little bit there. So what I've essentially recommended is that we do retain your Netwealth super fund. I did look at moving to other super funds. However, there are capital gains taxes for switching and selling investments. So if we had to sell down all of your investments and move to another fund, it essentially was a higher capital gains consequence than just retaining your current fund and switching the investments out. The other side of that is you also do have your own income protection claim. So it does mean, you know, moving all the other bits and pieces and parts. So with everything you've got going on at the moment, trying to keep this as easy as possible for you, limit the overall complexity, but making sure your super is working harder for you. So I'm recommending we retain your Netwealth Superfund itself so that we switch the investments within that. Now on the top line there, you've got your current balance, $191,001.47. Essentially, I'll take you through the investment switch switches shortly. But in order to switch the investments or to ultra investments within your super, there are capital gains consequences for your super fund. This doesn't affect you personally. Your super fund likely does a tax return every year, and your super fund pays income tax and capital gains tax. Essentially, to make the switch and to change the investments within your super fund, the expected capital gains consequence there is $1,938. So you can see that in the differences column there. Okay? So you're retaining your super fund, but we're changing the underlying investments there. So the cost for doing so, the the capital gains consequence for your super fund is expected to be $1,938. Okay? Yep. That's correct. It's a tax. Yeah. So capital gains is c CGT is capital gains tax. And whenever you buy and sell investments, there are capital gains consequences for doing so. So your super fund will pay capital gains tax of $1,938. So it reduces the upfront balance. That means that with the new portfolio, once we've made the switch, the expected super balance within the fund is 189,209. Mhmm. Oh, yeah. Perfect. Yeah. I can show you that. So the benefits there are that the investment fees are reduced. So the newer portfolio, if you have a look at the second line there in your current fund, you're paying $548 for investment fees. By switching to the newer fund, we actually save a $194 on investment fees for the first year. Alright? So definitely, there's more money in your super working harder for you. It reduces the investment costs. The other side of it is the the growth or the five year rolling average. If you look at the very bottom of that table, you've got the five year rolling average there. When you look at the older fund, it's averaged about 10.47% on a yearly basis. The newer fund has averaged 10.71%. So it has the newer fund has had a a greater past performance, which if it can do the same thing over the next sort of five to ten years, can put you in a greater, in a greater position down the track. Yeah. This isn't yeah. So this isn't necessarily your five year rolling average. This is the five year rolling average that this portfolio has been able to obtain in general. So, obviously, what you actually get in the fund can be very different to what the what the portfolio can return because there's many other factors involved there. When you think about the return you actually get within the portfolio, it's dependent upon contributions going in, income that's being redistributed, fees that are coming in and out of the fund. There's lots of other factors there. So if this isn't saying that you will or have got that 10.47%, it's saying that this portfolio, when we look at past data, has been able to generate this as a as a gross so a gross return over the past five years. The same thing with the newer it is. It absolutely is. Yeah. Yeah. And, look, the newer portfolio can obtain and has obtained about a 10.71% over the past five years. So, realistically, if the newer portfolio can do that over the next, you know, five to ten years, that can put your super in a much greater position there for you. So we have to utilize past data and research houses to be able to obtain this data. It's a data that every super fund, every investment firm, every financial adviser always use, and that's what we essentially utilize. But there is never a guarantee of a return. And look at the bottom there, you can see the projected outcome between your current portfolio and the new one newer one that we are also recommending. But projection should always be taken with a grain of salt because, realistically, markets react differently. We essentially have to use past data because we can't determine what markets are going to do in the future. No one has a crystal ball, unfortunately. And so we have to use past data on how markets and portfolios have performed in the in the past to kinda generate what we expect or hope they can do in the future. But there's never a guarantee involved there. It is always up to so many factors with being your contributions going in. It depends upon fees within the fund. It depends upon how individual investments perform. It depends a lot of upon how investors actually feel as well because 90% of the market ups and downs is generated by investors' reactions to markets. You know, essentially, if someone sees Trump tweet something today, tomorrow, they could feel a bit nervous and start to sell off their portfolio. When one person sees something selling, other people can see that selling, and then they also to jump on the same bandwagon. So 90% of market reactions are solely and mostly because of human beings and their emotional reactions to what they're seeing and feeling. Unfortunately, us as a species are very much an emotional species, but we have to use past data to kind of look at how markets and how portfolios can perform in the future. So this this portfolio that I wanna put you in has the sorry. It has the potential for greater future return as well as a lower cost portfolio. So it is saving you in fees as well, which is a good thing. Together, that can put you in a greater position over the next five to ten years. But as I said before, there's no guarantees of doing so. That's why as advisers, we review the portfolios with you on a regular basis to make sure that we can update them and that we can put you in, you know, into different investments when we need you to keep your super working harder for you. Does that make sense? Not necessarily. So if you look at your super over the past sort of five years, you've got a 5% return. Maybe one year, you've got a 10% return. Another year, there could have been a 15% return there in another year. So we do know that markets are gonna go up. They're gonna go down. Some years, you can get a 20% return. Some years, just a 10% return. Some years, a negative return. But it's also understanding that there are and there is the expectation that when markets are down, that you're gonna also have a negative return. And it's about making sure you're invested in a way that you can go through those downturns and not not have an emotional reaction, not sell your investments, and not withdraw money at that downtime, and allow your portfolio to go through that. With the way you're invested currently is that you are in that growth environment. So it does generally see 80% of your super invested in growth assets, assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver. You are taking on a bit more risk to be in that kind of environment, so you are gonna feel the ups and the downs. The other side of that is that that sort of 5% return you're looking at within hub twenty four, there a lot of that has been sort of held back because of one of your investments as we kinda went through last time. You've got the Benelon Australian Equities in there. That investment has had quite a severe downtime, and we are looking to remove that as part of this, make sure that we can move you out of those sorts of investments and keep you in a portfolio that is working harder for you essentially as well. So that's in the process. Yeah. Yeah. Correct. Yeah. Yeah. Mhmm. No. Not mhmm. Yes. So most funds do pay dividends. Are you sort of talking about the funds that pay higher dividends? Mhmm. Yeah. So dividends are not a requirement for any fund. Most ETFs and investments do pay out dividends, but not all of them do. Essentially, they are generated by the underlying companies. And if underlying companies don't have good years, then there's no guarantees that dividends are gonna be paid out. But majority of the funds that we put you in ETFs do actually pay out dividends, and that it's considered income in the portfolio, which is then reinvested back into your portfolio for the compounding effect. It's no. You're in a growth fund. So the idea is when you think about risk out of a level between, say, one and five, five being the highest level of risk and maybe one being the lowest or sitting in cash, you're realistically sitting at about a three. So you're kind of mid range there, but I wouldn't put it as conservative. You are 80% invested in those growth assets, so you are taking on a bit more risk in the market to try and get greater potential returns. Realistically, this sort of environment suits someone who's about six years away from or at least six years away from accessing their super. So you've got that time horizon ahead of you still currently. When you are sort of within that six years, I would be definitely recommending that we reduce the risk level somewhat. But the other side of that is with your goals. So you're sort of wanting to access super at around about the age of 60. And your goal income in that time frame, I believe, was about $1,500 per week. And so, realistically, with your balance at the moment, we need to either get a bit more growth or consider putting more funds in the super. I am also recommending as per our last conversation that you do salary sacrifice $50 per month, which is more your comfort level. It works at about $12.50 per week. I'm putting that into super to kind of provide a bit more of a boost to it. Because, realistically, given the current balance you have and the amount of, you know, how it has kinda grown and with the limited amount of contributions going into the fund, over the next sort of five to ten years and even thirteen years towards your retirement goal at the age of 60, as you can see by the projection table there, it's under the current scenario projected to be around 377,000 under the recommended about 398,000. So, realistically, that's a little bit low for where you should be based on your goal. It does mean that if you draw out $1,500 per week from your super, your super is not gonna last as long as what you would sorta hope it to be. And it means that sort of you eventually may have to rely on, you know, the age pension if you're eligible for that down the track. So it's about looking at ways to boost your super as much as possible within the limitations that we have. It is. Yeah. That's including the recommended $50 per month. Yeah. If you choose not to do so, that's honestly okay. But my concern is that without sort of increasing contributions in and I know you've got a lot going on too, so it may not be that you're able to. But with our last conversation there last time, it was just about what your comfort level was to be able to add to your super to kinda build on that a little bit. But I do have a bit of a concern that if you're, you know, you get to age 60 and are wanting to draw out the income that you are with the way we have things invested in super. So when you actually do retire, we would not wanna see you in that growth kind of environment. We would wanna see you in more of a conservative environment, which is less of those growth assets and more income producing assets. So you're looking at things like cash, bonds, and fixed interest. Those sorts of investments are and do generate lower rates of returns than your current portfolio can and would. In generally, when we're looking at conservative projections in retirement, we wouldn't sort of expect more than, say, a five or 6% return on an annual basis compounding that forward. So it does mean that when you are drawing larger sums of money on a weekly basis to cover your retirement, that you are, you know, easing into your capital when your returns are much lower. Being in that kinda conservative environment in the retirement years means that we are hoping to generate as much income as possible to help your draw downs, but it's not always guaranteed, and it's still dependent on markets. You are still invested in markets, and markets still go up and down. And even defensive investments, while they still don't see the greater ups and downs that the higher level of risk or the shares do, they still are impacted by inflation. They still are impacted by market ups and downs, essentially. Does that all make sense? Yeah. So whilst this is not perfect, and I fully get that, it's about trying to adjust the portfolio as much as possible so that we can hopefully lower fees for you, keep more money invested in your portfolio working a little bit harder, and maybe also alter the investments so that you're invested in a portfolio that can generate greater returns. Admittedly, I'm honest, and I'll tell you upfront, there's no guarantees that this is going to generate greater returns. There's always a risk with that. But part of having financial advisers is that we can review that with you at review time. I'd like to do a bit of a catch up with you in six months. If you take the recommendations and we make the switch into the newer portfolio, we can do a review maybe in six months' time, see how it's performing, how your how it's working in your super for you. And if it's not working, then we look at what else to do so we can continuously keep working and building on it and, you know, adjusting the super as we need to. I think one of the biggest things to sort of note is that investments that might have been good about four or five years ago within your super may not be the same or may not be working as much now. It's also about readjusting and realigning your portfolio. So we also do and I have recommended as part of it that we do also a rebalancing because different investments grow at different rates. So if, for example, you were recommended to say, gold and then a couple of shares or at 10% each, depending on the different market reactions, one of those shares might go down, the other one might go up, and the other one, you know, the gold might go up by 20% more. So you end up increasing your risk level with the difference in the ups and downs in the share market. And so rebalancing your portfolio helps to sell some of the investments that have grown at a faster rate than others. It helps to, you know, redistribute growth back into other areas of the portfolio, and we buy into certain areas where there might not have been as much growth as well. So this is about rebalancing things, readjusting the portfolio. But as I said, there's no guarantees, and I'll be very upfront with you about that. Yeah. Yeah. When you consider risk out of between between one and five, you're sitting at a risk level of about a three. Yeah. Well, number four would be high growth, so you would see 90% of your super invested in those growth assets. And then if you think about number five, you're going up to an aggressive portfolio, which is a 100% invested in the higher risk sort of growth assets and no defensive investments there. So that's increasing your risk level. You can look at increasing that if you want, but then you're also increasing the risk of going through a downtime. So the the possibility of greater returns are there, but there's also the risk of having more of a downturn more regularly and feeling that. Whenever you take on risk, you consider the risk that you you consider the possibility of good possible returns, but then also the risk of the returns might be lower or that you might feel that downtime just as much. Yeah. Does that all make sense so far? There's a lot to think about, isn't there? Yep. Your projection table. Yeah. Mhmm. The projection table no. The projection table is projects everything from the top table. So your current balance is noted in the fee comparison table, the very top one at the top where it's got balance. So that's your current balance now is in the current side of that. The recommend yeah. The recommended will be after the capital gains consequences or after the capital gains tax has been taken into account for the investment switch for you. Mhmm. Yep. Based on all the information above. Correct. Mhmm. That's correct. Yeah. Mhmm. Mhmm. Yeah. Yeah. And, look, they are very minor differences, but it's also taking to account that you have a lot going on. You are on a part income protection claim, so you're not working as many hours. And think of your super fund like your vehicle. It's like a car, really. It's essentially, the super fund is where the funds go in to be held. But what actually drives the growth and what makes the super work is the underlying investments and your contributions, and that's essentially the fuel. They work together to kind of, you know, your contributions going in as a set of capital that's going in and being invested, but then you've also got growth and income coming out of it. To not have any additional contributions or no contributions going in is gonna limit the amount of growth that you have there. So the growth and the contributions do work in unison. They are they do complement each other to help make your super work harder and grow more. But it's you know, without those, your super can only do so much. Investments can only be expected to do so much, essentially. But the actual super fund itself is just the investment vehicle. It's all about the underlying investments and getting the growth and the income there. The other thing to consider is that smaller amounts of growth, have a different effect. So if you think about someone with a $50,000 balance, getting a 5% return is one thing. That same person having a $500,000 balance and getting a 5% return, that same 5% return has a much greater effect. So as your super grows and grows and it gets a two, three, or five, or 10% return, that is gonna have a greater effect down the track when your super balance is higher rather than it probably would or feel like it would now. So the compounding effect takes into play, and you end up with great smaller returns have a much bigger effect on the higher balance, essentially. Mhmm. Yeah. I could always do that projection for you, but one of the things that we did talk about was how you invested. So with your annual review, we're happy to stay with stay in that kind of environment with that 80% split. You if you wanna look at maybe increasing your risk, you absolutely can. It is up to your prerogative. A high growth investor is suit all that sort of portfolio is suited to someone who has at least eight years before they're willing to access their super. It does still suit your time horizon. I could always do the projection as an alternative for you if you like. If you decide you wanted to take that, that's absolutely fine, but you are taking on a higher level of risk to do so. Yep. No. So it's cash, bonds, and fixed interest. In this case, it'll be basically bonds. Yeah. Yep. As as an average. So with this portfolio yeah. So as an average so with this portfolio, the way it's recommended there, you'll actually see about if you look on page number 27, you'll see the asset allocation table for you. Asset allocation table for you. Yeah. Yep. So you've got the asset allocation table there, and the first column is the different types of assets that are seen as growth and defensive assets. The second one there is the risk profile as a percentage. So your sort of risk profile sees that eighty twenty split in your existing portfolio. You've got about 86.84% in those growth assets and about 13.16% in the defensive investments. By making the changes and the switch to the newer portfolio, you'd see 86 invested in the growth assets, and we're just increasing the defensive exposure just a little bit there. So that's essentially where you would see that exposure sitting. It's just outside of that eighty twenty split just because when you think about the buy price of investments, it's discrepancy. So within that growth portfolio, we still allow for about a 10% discrepancy or variance in the risk profile. Yeah. Yep. And it's performed a lot better in the past. Yeah. And it's cheaper. And to give you a little bit, like, further context there, so with the current cash you have in your portfolio, at the moment, the amount of cash sitting in the cash account is a little over $5,789. So, realistically, you've got about 3.06% cash in your super fund. We only really wanna hold about 1%. So it also means that you're holding a little bit much cash at the moment, so we're reinvesting that into the portfolio there for you. If you have a look at page number 25, it essentially shows you what we'll be buying and selling as a whole to kind of alter the portfolio. Yeah. So, essentially, selling off and rebalancing some of the global tech, selling off all of the Asia, just rebalancing back the beta shares Australian 200. The battery and lithium tech will be selling all of, and the BetaShares hacks as cybersecurity, that'll be reduced down to 5%. So we're just selling a little bit of that. We'll be buying into the European exposures. This is giving you access to all 16 European countries. So one of the big things that's really important with helping to even though you want, you know, good returns and you want to take a bit of risk, it's still important to try and reduce as much risk as humanly possible. So one of the ways we do that is to diversify, and that is investing in different asset classes, different industries, and different countries as well. So this investment portfolio with the iShares Europe there, that's the one, two, three, four, five, six, one down, that's essentially giving you exposure to all 16 European countries there. And so we'll hold about 8% of that one. You'll still hold some beta shares from Australian equities about 20% there. We're still holding some cybersecurity because it is still a good area to hold. That's about 5%. That's the beta shares hack investment you can see there. You're still off no. Yeah. Just dropping it a little bit. You're at 5.19%. We only wanna hold 5%. So, essentially, that investment's seeing some really good growth. So you're, you know, you we wanna rebalance it back a little bit. So selling a little bit off to bring you back to 5% there. Buying into the iShares Europe to give you exposure to more of those European countries, they're buying in if you've got 5.73 at the moment, wanna hold 8%. You've also got the S and P 500, which is giving you access and exposures to the top 500 companies on the American market. At the moment, you've got 24.66% there. We wanna buy a little bit more of that to hold about 30 of that side of things. You would see defensive investments, the Vanguard diversified index investment. We're selling that off completely, so that'll go down to zero. Well, it's there's nothing wrong with it. It's more of a defensive investment. We've just found a cheaper, better way to hold defensive investments. But the Vanguard diversified index and the Vanguard Australian fixed in fixed interest index, so we're gonna sell those off completely. There's nothing wrong with the investment. They can perform quite well. It's just we found a cheaper way to make the investment work for you. The more investments you hold where's that one? No. That's the top one there. Yeah. So there's there's nothing wrong with that. We're just removing that essentially out of the portfolio because if you look at the very bottom of Vanguard or WorldX US investment, that's encompassing the entire globe minus The US market. So we can remove the iShares Asia exposure out of that because you have that in this Vanguard or World Index. It's essentially taking away a lot of the different investments that might cost you more to hold in your portfolio and incorporating them into one investment so that you're still getting diversification and helping to lower the risk level, but it's making it cheaper for your funds because the more investments you hold, the more you pay in investment fees. Those investment fees are paid out to the investment managers, as they make money off that. So instead of holding 20 different investments, we try to look at a way of holding maybe six, seven, or eight different investment options that give you diversification that are doing really well, but it also, hopefully, lower cost for you so that you're paying less fees out of your super and keeping more money invested for your for your retirement, for your growth, if that makes sense. Yeah. The other thing there, the physical gold and silver, look, we're keeping gold in the portfolio. It has done very well. We wanna hold that there. You wanna hold about 10% within this sort of portfolio. Physical gold essentially is an alternative investment, so it's technically growth. It gets growth. It doesn't produce any kinda income, but it can act defensively. So if you think about physical gold and think back to times when the markets have gone, you know, down significantly, like the GFC or even 2020, people take money out of other investments and put it into gold. So it can be a bit of a safe haven at certain times as well. So gold can act defensively at certain times, but it is a growth asset. We are looking to keep that in there. It is fine. It is a good investment to keep. It is at a thirty year high, but it will, you know, essentially will continue to grow. We still love it. I know I still love a bit of physical gold. I love wearing gold too. And then you've also got the physical silver in there. We are removing that from your portfolio. It hasn't been performing as we sort of liked it to. It has taken a bit of a better because of, obviously, high inflationary rates. So we are just looking to remove the physical silver out of the portfolio and keep that physical gold in there. And then you've got adding in the Japanese exposure. Just a little bit of 5% there just because the all world doesn't have as much exposure to Japan, and it has been a really good place to see growth over the past sort of twelve months. And then the all world ex US. So that's giving you exposure to the entire globe minus The US market, and that's because above, we're holding 30% of the S and P 500. And then as I kinda mentioned before, we're removing the the Vanguard diversified index and the Vanguard fixed interest index, but we still wanna hold defensive investments like cash, bonds, and fixed interest. And so the bottom one, the core composite bonds, that's giving you exposure to both government and corporate bonds and also notes and other, you know, cash investments, essentially. So keeping that is giving you a little bit of a defensive component. Bonds are good. They essentially pay regular income payments. Think of a bond a bit like a term deposit. You're putting that money into the investment there, and then you're getting regular income payments out on a monthly or a regular basis. At the end of the term, you get your capital back as well, and it can be reinvested. So bonds work the same way term deposits do, and they're really good for income producing. And even at your stage, we still wanna have income. We still want the income that's generated from these sorts of investments and a lot of those other investments which are exchange traded funds or ETFs. They will generate dividends that'll be paid in some quarterly, some yearly, some biannually. That money will be redistributed into your cash account and re then reinvested back in the portfolio for you to assist with compounding. Yeah. Does that make sense? It is a lot, and I'm very sorry. It's a lot, but so so I wanted to make sure that you yeah. So it is very different, and I know the the returns haven't been you know, aren't showing as great in the projection table, and that's also kind of reflective of the market as a whole. But even if it's, you know, a less than 1% difference in the market, If we can make your super work as hard as possible, absolutely great. If you decide to take these changes on, we make the changes within the super fund. And then in six months' time since February, we catch up again. And we just check to see how that's working in your super fund. I'm even happy if you like to send you a report or maybe catch up with you before February to sort of see how those changes are reflected if they're working in your super. And if they're not, then we can look at what else we can do and what more changes we might need to make in those investments. Does that make sense? Beautiful. Mhmm. That one was back on '23. Mhmm. Mhmm. That's completely up to you with that time frame. So, essentially, when you get to retirement and the way I work out the retirement strategies with majority of my clients is when you get to the year you're ready to retire, we'll have that conversation. We'll talk about what you're actually needing to live on. So up until the point that you actually retire, we sort of work on a base goal. You've sort of said 1,500 per week at the moment, but that could definitely change. Inflation could change that. The cost of living could change for you. You might need more and or less money. I tend to, for anyone who doesn't actually know how much they need to live on when we get to that point, do a budget planner with them so we can assess their living expenses in detail. At 60, if you fully retire, you can access all of your money within Sleepy. You can take it as a lump sum, or you can leave it invested and just be drawing out smaller regular lump sums realistically if you would like it to sort of last as long as possible and keep it growing. Having it invested in super does work out better because you keep that fund the funds invested as such, probably in a more conservative portfolio, and then withdrawing smaller amounts out of super on a regular basis. It can be weekly, fortnightly, monthly, however you need those funds to be drawn. And then the rest of the money stays invested in the portfolio working as long as it possibly can. From six no. Well, no. So no. So at the moment, it does because you're in the accumulation phase. You're accumulating that wealth. However, when you get into pension phase, when you fully retire, you move into the pension phase. And inside pension phase, there is no income tax. There is no capital gains tax. There is no income tax on the drawdowns that you make from super. You will be able to take money as regularly as you like, have ad hoc lump sums whenever you like. And in that pension phase, we can switch investments in ultra portfolios without any there's no capital gains consequences and no income tax consequences on the income that is generated from the from the funds. So keeping it in that pension phase when you get to 60 and fully retire is very much a tax sheltered environment, unlike most things now. Yeah. Very nice, isn't it? Yeah. Yeah. Yeah. So there's some things to look forward to. There's some things that we can do there. And, admittedly, between 60 to 67, it is about making sure that you can draw down that income, essentially. When you get to 67, we can look at what your age pension entitlement is, have a look at what you're eligible for, and then draw back to draw less out of super to complement the age pension so that your super and the age pension can hopefully last as long as possible. But one of the things we do just wanna make sure we do is start by making these changes. I am encouraging you to do that salary sacrifice where possible. If you look at that $50 on a monthly basis, it is just $12.50 per week. So starting off smaller. But if you can think about the compounding effect, putting $12.50 on a weekly basis into your super now, rather than waiting for five or ten years and starting it down the track, it has a greater chance of growing and compounding. Whereas if we leave it and do it in ten years' time, essentially, the the compounding effect doesn't have as greater turnaround. It doesn't grow as much, essentially. So it is difficult, and I know with your circumstances, you are only working part time, so you can think about whether you're comfortable to do so. If you decide you don't want to take on the the recommendations with the salary sacrifice on the last page of the document, there is a little multi line box. In that box, you just outline what you do not wish to take on board as part of the advice. But I am gonna ink that's on the very last page. Let me just go down the bottom for you. I can tell you what page it is. It should be page number forty forty four. It's above the signing section. Yep. So page number 44, you've got the please sign the box below. Above that, there should be a box, and it should have a multiline in it. No. It should be the next page. It's on 44 on my document. Is it 45 on yours? It might have added an extra page to the document. Sometimes having electronic signatures does that. But mine yeah. Above that, there should be a big box. It should say multiline, or should it be a text box above that? Yeah. So that's the one. So if you decide you don't wish to take on the advice for the salary sacrifice or any part of the advice you choose not to take on board, you just write that in that box. Yeah. So salary sacrificing means that the the deduction is made pretax. So the employer contributions and the salary sacrifice are taken out of your income before they calculate the income tax. Most of them are quite happy to do so. You if your employer says they're not willing to salary sacrifice, then that'll be another story. We can always look at it as a deductible contribution where you transfer it from your bank account, and we just claim a notice of intent for that at the end of the year. Has a very similar effect. It's just a little bit more work there, but it can definitely be done. But most employers are paying your contributions. They're more than happy just to increase that contribution and add the extra in there and do it as a salary sacrifice contribution. Mhmm. Yes. Yes. It comes out of your pay, but it comes yeah. Yes. Yes. Correct. And that's why I recommended a salary sacrifice. So you don't have to do that every week. Your employer just takes it out of the the $12.50 every week out of your income, the same as he does with your employer contributions, and just transfers it straight into your super fund. Yeah. Oh, easy. We'll just give you a letter. It'll have all the information attached. You just hand that to your employer, and they can organize that with your normal employment contributions. But we'll have a letter prefilled for you with all the information that you can just send to them or hand to them to make it easier on you. Yeah. That's okay. Not everybody does. Yeah. Yeah. So, look, essentially, we've outlined majority of the recommendations there. You have the sections. There is a lot more detail in the than what I've gone through. I do kinda hit on the points that we need to to make sure you've got the information there. But, essentially, as you take some time, you're welcome to go back and have a read through the document, read through the individual sections to sort of, you know, go through the recommendations, the advantages, the disadvantages, the risks involved, the things like that. If you find you have additional questions, you're welcome to come back and ask me. But reading it through can sometimes be a little bit clarifying for you as well. I know sometimes I'm taking you through the sections with all the numbers and the bits and pieces, and it can be a lot to go through. And I'm talking at you at the same time. So taking some time to go back and have a read through the document yourself, maybe make yourself cup of tea or a coffee and go through it all page by page, and then let me know if you do happen to have any questions in regard to it. Okay? Absolutely. Absolutely. That was probably the next part to go through. Essentially, so with the remuneration side of things, that outlines the fees that we are paid for any recommendations that we essentially make there. So there's no upfront implementation fees for the advice. All part of you paying the ongoing service fee. That way we we provide the advice to you as part of that. However, the ongoing remuneration so the ongoing service fee is how much you pay for our ongoing services. So the 1.65 per annum, which is that's the yearly fee. The fee comes out of your super fund on a monthly basis in smaller increments there. The insurance fee. So because Neos is your insurance provider, they pay us ongoing remuneration every year for the policy. So whenever it goes through renewal, we receive 22% ongoing for the policy. That has zero effect. Yes, sir. You're right. There you go. No. No, sir. Yeah. No. There's always been that way. So with insurance providers, advisers do receive ongoing and upfront remuneration for the insurance products that they write with Neos. And every insurer, it's all legislated to be exactly the same. So we we received 66% of the first year's premium and 22% there ongoing. That, however, should have no and does have no effect on our recommendations. We're retaining the insurances that you have because you are currently on a claim. You're happy with the life and TPD policy that you hold, and you're currently claiming the income protection policy. So it does mean that retaining is the best option for you. It's in your best interest to do so currently. If later down the track, the insurances are too expensive, don't meet your needs and need to be altered, we will do that with you, but we will make sure it meets your goal. We'll talk about what you wanna cover, the level of cover you're happy with, what the cost of that looks like, and how it affects you. And the the ongoing remuneration is how much the insurer pays us. It doesn't it's not paid by you in any way. It's paid by the insurer to us, and we have a duty to make sure we disclose this information to you. So that's why we have the remuneration page, and it outlines all the remuneration that we receive. All of this is received by Okview Financial, not by me personally. I get paid a wage, so it doesn't you know, I provide advice to make sure I'm helping you to get your super working harder and meeting your goals and working towards your retirement goals, but I do not get paid a commission for any of it. I get paid a wage. I work an hourly rate, and I get paid a wage for what I do. So this is all paid to Oakview Financial, and it's all disclosed there nice and clear there for you. Okay? Yeah. Easy. Beautiful. Do you have any other questions at the moment? Have I answered everything you know, okay? Has it kinda made sense thus far? Yeah. That's okay. That's okay. You will see in there as well with the estate planning side of things that I have made the recommendations around setting up a will and a power of attorney. We don't do that. We can refer you to a solicitor, or if you have a local attorney or a solicitor you're comfortable talking to to seek those services. The other options are as as I kinda mentioned last time, I sent that email after the call with the estate planning side of things. Just making sure those things are updated and reflective of your personal circumstances is very important. Your beneficiaries cover your life insurance and your super, but they don't cover everything else that you've got there. So it's important to make sure that everything is covered and that it is provided as per your wishes on on passing or, you know, hope nothing ever happens. It's one of those things. It's like the insurance that you cover yourself in the you know, in case something was to happen. There might only be a very small chance that something occurs, but making sure you have those protections in place is really important for you. Okay? The other thing I just wanted to also show you is we kinda talked earlier. I've scoped in the insurance aspect to know that we're retaining all your insurance covers currently, but there is an effect. And I kinda talked about before how we know that there's an effect on your retirement outcome because you pay insurances out of your super. If you can go to page 31 for me, there's a little table I just wanted to sort of run you through as well. Yep. So on the bottom of that page, you have a heading called outcomes, and underneath that, there is a little projection Yeah. So with this table here, you've got the exact same as what's in the above projection table, the current and the recommended. That's exactly the same. The last column is the difference, and that's essentially showing you if you had no insurance premiums being deducted out of your super with the recommended changes that we've got in the advice that you could end up over the next five to ten years with more super inside your account. So this is essentially showing you that we know and we understand that insurance premiums coming out of your super do have an effect on your retirement income, because it does reduce the amount that you have five super at the end of the day. So this is showing you the overall impact that we've assessed, but I don't want you to take yeah. If you Sorry. The well, that's the thing. This is not telling you to cancel the insurances in any way, shape, or form. It's just showing you the effect. So if you didn't have insurance payment and some people pay their insurance premiums out of their back pocket, which is absolutely fine. But this is just showing you the overall effect. So when you pay the insurance premiums inside of Super, it does lower the overall expected retirement income. This is just showing you the effect of the current versus the recommended or if you had no insurance premiums being paid out of your super. It's something we have to note that is an effect because your insurance premiums will get more expensive over time. They will have a greater effect on your super, but we just have to be able to sort of show you that, you know, having having insurance premiums paid out of your super means that you have that level of cover, but you don't have to pay the premiums out of your back pocket. But it means that over the next five to ten to fifteen years, you could end up with less in your super than what you would have if you did not pay for those insurance premiums. This is not in any way saying you should cancel the insurance premiums. It's just showing you the long term effect based on where you currently are, the recommended, and, obviously, not having insurance premiums paid out of your super. It's just an effect we have to kinda go through and show you. No. This it's not saying you have to cancel. It's not saying you should. It's just showing you the outcome if you were to not. It's like an alternative. If you didn't have insurance premiums, this is the projected outcome that you could see. It's, you know, just something we have to note. It's kind of it's all sort of in the legislative side of things that because we have insurance paid out of super, we have to show you the difference if you didn't show have the insurance premiums paid out of super. But, look, I pay my insurances out of super. I know that over the next, you know, ten to fifteen years, I'm probably gonna be about $40,000 less because of that. And I understand that, and I'm comfortable with that. So it's just about making sure that you're fully informed and that we show you the alternatives and the projected expected impact of your super with the insurance premiums that you do have, if that makes sense. It's a little bit confusing, and I get that, But we it's just making sure that we're touching the points that we do have to and showing you the alternative. Does that make sense? Yeah. All good. All good. I know I've gone through a lot, and I'm so sorry. It can definitely be a lot to go through. You've asked a lot of questions. Is there any other questions that might sorta come into mind at the moment that you might have? No. That's okay. I would suggest if you just take some time to read it through, go through the different sections. Yeah. Of course. Yeah. Oh, that's a that's an error. Let me sorry. I'll go back and have that one rectified for you, and we'll send it back out. Yeah. Sorry about that. That's a small error. We'll go back in and just have that changed and send it back to you. Sorry about that. It's all good. It's just a it's we pull it sort of pull it out of the template. It should just be updated with your name, essentially. So we'll just go back and have that rectified and resend the document to you. So it'll come through very shortly. When it comes through, you'll be able to take some time there, Catherine, just to read it through. Take some time to take it in. It might be a little bit clearer to you once you've kind of taken some time to read it over as well, and let me know if you do happen to have any questions. Okay? Easy. That's okay. Is there any other questions that might have come to mind at the moment at all? No. That's all good? Beautiful. Fantastic. Well, thank you so much for your time today. Hopefully, you've got a restful afternoon. You still got a bit of work to do today? Or yeah. Well, hopefully, you enjoy the rest of your day, and I'll talk to you very soon. Yeah. Not a problem at all. Thank you so much for that. You have a good afternoon, and thank you for taking my call. Thanks. See you later. 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Catherine. It's Dana from Okey Financial. How are you this afternoon? That's good. I had you booked in to go through your updated statement of advice to to make some changes to your investments.\n\nIs now still a good time here for you? Fan fantastic. How's your day being so far? Yeah? No.\n\nAll good. Well, I'll try not to take up too much of your time there. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful.\n\nAnd just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Beautiful. Thank you so much for that. Catherine, I do send through the email to you with the statement of advice document attached. Are you able to access your email and pull that one up at all?\n\nYeah. Just then. I send it when I give you a call. Yeah. That's that's okay.\n\nIf you're making a coffee, you're welcome to to grab that. That's fine. Oh, okay. No. That's alright.\n\nThat's okay. That's not a problem at all. Nice. Not a problem at all. When you do get into your emails there, it should've come through from OdooSign and ordainer@oqfinancial.\n\nHas that come through there to you at all? No. Double check your junk mail as well. Nothing? Okay.\n\nI can go back in and press resend to see if that's the problem. It might also just take a little bit a little bit of time. I've just pressed resend to see if it comes through to you there again. And, yeah, I've got your email the same as the last we used. It's quickly@hotmail.com.\n\nThere's no changes to that at all? No. That's yep. Beautiful. That's okay.\n\nBeautiful. So when you open the email there, it does have a little button that says sign here or sign to complete or sign now. You just click on that button so you can move forward through the document. When you click on that button, it takes you to the next screen, which will have the actual statement of advice then. It lets you go through the pages individually.\n\nYep. Beautiful. Excellent. So the first page of the document there, the front page, it does say statement of advice prepared for yourself as of the 08/25/2026. All of our advice is valid for sixty days.\n\nSo we date it for the date of the actual presentation there. On the bottom of the front page, it has my details. So I'm also as representative of Ophi Financial and a licensed financial adviser through ASIC, and my registration number is 13 oh, sorry. 1304394. Okay?\n\nThe next page as you are sort of scrolling through, I'll take you through these a little bit more briefly. But the next page, Alan, the best interest duties is just noting that we do act in your best interest. Any advice we do provide is there to meet your goals. The following page continues forward to the table of contents, and then we have the scoping in and out areas. So, essentially, with this advice piece, we're looking at superannuation.\n\nWe're also looking to retain your insurances exactly as they are because you are on an income protection claim as well as working part time. But we've scoped them in because the insurances have to be factored in. They are paid out of your super, so it does have an effect on your on your retirement. And so it has been factored into the projection table for that purpose there. Okay?\n\nWe've also got the estate planning side of things. So I've scoped that in. Just because you don't have a will and power of attorney up to date, it is definitely something to consider doing. I've scoped out the beneficiaries because you have those in place on your super and your life insurance policy, and you are happy with how they were noted. But we scoped in your state planning, noting it is important that you do speak to a solicitor and draft up a will and power of attorney for yourself just to make sure that everything that you've worked really hard for is protected.\n\nOkay? Excellent. Areas that we're not looking at with the advice there is on page number five and onwards. So you did you know, looking forward the income protection side of things, you've got income protection at the moment. You've also got some trauma cover.\n\nWe're not making any changes or recommendations on any of those. We're not scoping in anything to assist with the cash on budgeting at this time. If you did need additional assistance or new advice down the track, we can certainly help you to look at that. And then, again, at the bottom there, I've scoped out the beneficiary nomination side of the estate planning because you have those current on your super and your insurances. They do currently reflect your wishes.\n\nWe'll just keep to review them with you and make changes as we need you down the track. Okay? That was on page number five. Yeah. Beautiful.\n\nNow I am gonna skip ahead a few pages, but you'll get to take this back and have a really good read at it prior to taking on the advice. But, essentially, if I can get you to scroll scroll down for me, we're gonna head down to page number 23. I'll take you through the sections of the advice that I need to to touch on the points that I need to, and then you're welcome to take your document back and have a really good read of it prior to you accepting any of the advice. Okay? Beautiful.\n\nNow when you get to page 23, it should say on the heading there the fee comparison table. So you can just let me know when you get to that point there. That's okay. Okay. Yeah.\n\nBeautiful. So, essentially, with the recommendations there, we had scoped in super as I kinda mentioned, and we're looking at trying to meet your goals. You were hoping to be able to retire at around about the age of 60 there. Your super balance is working well, but it has been a little bit lower and held back with returns this year partly because of what's been happening in the markets globally, but also just with the better long Australian equities investments. So we agreed to go back and have a really good look at the investments, look at the way the super was structured, and look at whether or not, you know, moving to another fund or moving switching your investments was gonna help a little bit there.\n\nSo what I've essentially recommended is that we do retain your Netwealth super fund. I did look at moving to other super funds. However, there are capital gains taxes for switching and selling investments. So if we had to sell down all of your investments and move to another fund, it essentially was a higher capital gains consequence than just retaining your current fund and switching the investments out. The other side of that is you also do have your own income protection claim.\n\nSo it does mean, you know, moving all the other bits and pieces and parts. So with everything you've got going on at the moment, trying to keep this as easy as possible for you, limit the overall complexity, but making sure your super is working harder for you. So I'm recommending we retain your Netwealth Superfund itself so that we switch the investments within that. Now on the top line there, you've got your current balance, $191,001.47. Essentially, I'll take you through the investment switch switches shortly.\n\nBut in order to switch the investments or to ultra investments within your super, there are capital gains consequences for your super fund. This doesn't affect you personally. Your super fund likely does a tax return every year, and your super fund pays income tax and capital gains tax. Essentially, to make the switch and to change the investments within your super fund, the expected capital gains consequence there is $1,938. So you can see that in the differences column there.\n\nOkay? So you're retaining your super fund, but we're changing the underlying investments there. So the cost for doing so, the the capital gains consequence for your super fund is expected to be $1,938. Okay? Yep.\n\nThat's correct. It's a tax. Yeah. So capital gains is c CGT is capital gains tax. And whenever you buy and sell investments, there are capital gains consequences for doing so.\n\nSo your super fund will pay capital gains tax of $1,938. So it reduces the upfront balance. That means that with the new portfolio, once we've made the switch, the expected super balance within the fund is 189,209. Mhmm. Oh, yeah.\n\nPerfect. Yeah. I can show you that. So the benefits there are that the investment fees are reduced. So the newer portfolio, if you have a look at the second line there in your current fund, you're paying $548 for investment fees.\n\nBy switching to the newer fund, we actually save a $194 on investment fees for the first year. Alright? So definitely, there's more money in your super working harder for you. It reduces the investment costs. The other side of it is the the growth or the five year rolling average.\n\nIf you look at the very bottom of that table, you've got the five year rolling average there. When you look at the older fund, it's averaged about 10.47% on a yearly basis. The newer fund has averaged 10.71%. So it has the newer fund has had a a greater past performance, which if it can do the same thing over the next sort of five to ten years, can put you in a greater, in a greater position down the track. Yeah.\n\nThis isn't yeah. So this isn't necessarily your five year rolling average. This is the five year rolling average that this portfolio has been able to obtain in general. So, obviously, what you actually get in the fund can be very different to what the what the portfolio can return because there's many other factors involved there. When you think about the return you actually get within the portfolio, it's dependent upon contributions going in, income that's being redistributed, fees that are coming in and out of the fund.\n\nThere's lots of other factors there. So if this isn't saying that you will or have got that 10.47%, it's saying that this portfolio, when we look at past data, has been able to generate this as a as a gross so a gross return over the past five years. The same thing with the newer it is. It absolutely is. Yeah.\n\nYeah. And, look, the newer portfolio can obtain and has obtained about a 10.71% over the past five years. So, realistically, if the newer portfolio can do that over the next, you know, five to ten years, that can put your super in a much greater position there for you. So we have to utilize past data and research houses to be able to obtain this data. It's a data that every super fund, every investment firm, every financial adviser always use, and that's what we essentially utilize.\n\nBut there is never a guarantee of a return. And look at the bottom there, you can see the projected outcome between your current portfolio and the new one newer one that we are also recommending. But projection should always be taken with a grain of salt because, realistically, markets react differently. We essentially have to use past data because we can't determine what markets are going to do in the future. No one has a crystal ball, unfortunately.\n\nAnd so we have to use past data on how markets and portfolios have performed in the in the past to kinda generate what we expect or hope they can do in the future. But there's never a guarantee involved there. It is always up to so many factors with being your contributions going in. It depends upon fees within the fund. It depends upon how individual investments perform.\n\nIt depends a lot of upon how investors actually feel as well because 90% of the market ups and downs is generated by investors' reactions to markets. You know, essentially, if someone sees Trump tweet something today, tomorrow, they could feel a bit nervous and start to sell off their portfolio. When one person sees something selling, other people can see that selling, and then they also to jump on the same bandwagon. So 90% of market reactions are solely and mostly because of human beings and their emotional reactions to what they're seeing and feeling. Unfortunately, us as a species are very much an emotional species, but we have to use past data to kind of look at how markets and how portfolios can perform in the future.\n\nSo this this portfolio that I wanna put you in has the sorry. It has the potential for greater future return as well as a lower cost portfolio. So it is saving you in fees as well, which is a good thing. Together, that can put you in a greater position over the next five to ten years. But as I said before, there's no guarantees of doing so.\n\nThat's why as advisers, we review the portfolios with you on a regular basis to make sure that we can update them and that we can put you in, you know, into different investments when we need you to keep your super working harder for you. Does that make sense? Not necessarily. So if you look at your super over the past sort of five years, you've got a 5% return. Maybe one year, you've got a 10% return.\n\nAnother year, there could have been a 15% return there in another year. So we do know that markets are gonna go up. They're gonna go down. Some years, you can get a 20% return. Some years, just a 10% return.\n\nSome years, a negative return. But it's also understanding that there are and there is the expectation that when markets are down, that you're gonna also have a negative return. And it's about making sure you're invested in a way that you can go through those downturns and not not have an emotional reaction, not sell your investments, and not withdraw money at that downtime, and allow your portfolio to go through that. With the way you're invested currently is that you are in that growth environment. So it does generally see 80% of your super invested in growth assets, assets.\n\nSo things like Australian shares, international shares, listed property, and commodities like gold and silver. You are taking on a bit more risk to be in that kind of environment, so you are gonna feel the ups and the downs. The other side of that is that that sort of 5% return you're looking at within hub twenty four, there a lot of that has been sort of held back because of one of your investments as we kinda went through last time. You've got the Benelon Australian Equities in there. That investment has had quite a severe downtime, and we are looking to remove that as part of this, make sure that we can move you out of those sorts of investments and keep you in a portfolio that is working harder for you essentially as well.\n\nSo that's in the process. Yeah. Yeah. Correct. Yeah.\n\nYeah. Mhmm. No. Not mhmm. Yes.\n\nSo most funds do pay dividends. Are you sort of talking about the funds that pay higher dividends? Mhmm. Yeah. So dividends are not a requirement for any fund.\n\nMost ETFs and investments do pay out dividends, but not all of them do. Essentially, they are generated by the underlying companies. And if underlying companies don't have good years, then there's no guarantees that dividends are gonna be paid out. But majority of the funds that we put you in ETFs do actually pay out dividends, and that it's considered income in the portfolio, which is then reinvested back into your portfolio for the compounding effect. It's no.\n\nYou're in a growth fund. So the idea is when you think about risk out of a level between, say, one and five, five being the highest level of risk and maybe one being the lowest or sitting in cash, you're realistically sitting at about a three. So you're kind of mid range there, but I wouldn't put it as conservative. You are 80% invested in those growth assets, so you are taking on a bit more risk in the market to try and get greater potential returns. Realistically, this sort of environment suits someone who's about six years away from or at least six years away from accessing their super.\n\nSo you've got that time horizon ahead of you still currently. When you are sort of within that six years, I would be definitely recommending that we reduce the risk level somewhat. But the other side of that is with your goals. So you're sort of wanting to access super at around about the age of 60. And your goal income in that time frame, I believe, was about $1,500 per week.\n\nAnd so, realistically, with your balance at the moment, we need to either get a bit more growth or consider putting more funds in the super. I am also recommending as per our last conversation that you do salary sacrifice $50 per month, which is more your comfort level. It works at about $12.50 per week. I'm putting that into super to kind of provide a bit more of a boost to it. Because, realistically, given the current balance you have and the amount of, you know, how it has kinda grown and with the limited amount of contributions going into the fund, over the next sort of five to ten years and even thirteen years towards your retirement goal at the age of 60, as you can see by the projection table there, it's under the current scenario projected to be around 377,000 under the recommended about 398,000.\n\nSo, realistically, that's a little bit low for where you should be based on your goal. It does mean that if you draw out $1,500 per week from your super, your super is not gonna last as long as what you would sorta hope it to be. And it means that sort of you eventually may have to rely on, you know, the age pension if you're eligible for that down the track. So it's about looking at ways to boost your super as much as possible within the limitations that we have. It is.\n\nYeah. That's including the recommended $50 per month. Yeah. If you choose not to do so, that's honestly okay. But my concern is that without sort of increasing contributions in and I know you've got a lot going on too, so it may not be that you're able to.\n\nBut with our last conversation there last time, it was just about what your comfort level was to be able to add to your super to kinda build on that a little bit. But I do have a bit of a concern that if you're, you know, you get to age 60 and are wanting to draw out the income that you are with the way we have things invested in super. So when you actually do retire, we would not wanna see you in that growth kind of environment. We would wanna see you in more of a conservative environment, which is less of those growth assets and more income producing assets. So you're looking at things like cash, bonds, and fixed interest.\n\nThose sorts of investments are and do generate lower rates of returns than your current portfolio can and would. In generally, when we're looking at conservative projections in retirement, we wouldn't sort of expect more than, say, a five or 6% return on an annual basis compounding that forward. So it does mean that when you are drawing larger sums of money on a weekly basis to cover your retirement, that you are, you know, easing into your capital when your returns are much lower. Being in that kinda conservative environment in the retirement years means that we are hoping to generate as much income as possible to help your draw downs, but it's not always guaranteed, and it's still dependent on markets. You are still invested in markets, and markets still go up and down.\n\nAnd even defensive investments, while they still don't see the greater ups and downs that the higher level of risk or the shares do, they still are impacted by inflation. They still are impacted by market ups and downs, essentially. Does that all make sense? Yeah. So whilst this is not perfect, and I fully get that, it's about trying to adjust the portfolio as much as possible so that we can hopefully lower fees for you, keep more money invested in your portfolio working a little bit harder, and maybe also alter the investments so that you're invested in a portfolio that can generate greater returns.\n\nAdmittedly, I'm honest, and I'll tell you upfront, there's no guarantees that this is going to generate greater returns. There's always a risk with that. But part of having financial advisers is that we can review that with you at review time. I'd like to do a bit of a catch up with you in six months. If you take the recommendations and we make the switch into the newer portfolio, we can do a review maybe in six months' time, see how it's performing, how your how it's working in your super for you.\n\nAnd if it's not working, then we look at what else to do so we can continuously keep working and building on it and, you know, adjusting the super as we need to. I think one of the biggest things to sort of note is that investments that might have been good about four or five years ago within your super may not be the same or may not be working as much now. It's also about readjusting and realigning your portfolio. So we also do and I have recommended as part of it that we do also a rebalancing because different investments grow at different rates. So if, for example, you were recommended to say, gold and then a couple of shares or at 10% each, depending on the different market reactions, one of those shares might go down, the other one might go up, and the other one, you know, the gold might go up by 20% more.\n\nSo you end up increasing your risk level with the difference in the ups and downs in the share market. And so rebalancing your portfolio helps to sell some of the investments that have grown at a faster rate than others. It helps to, you know, redistribute growth back into other areas of the portfolio, and we buy into certain areas where there might not have been as much growth as well. So this is about rebalancing things, readjusting the portfolio. But as I said, there's no guarantees, and I'll be very upfront with you about that.\n\nYeah. Yeah. When you consider risk out of between between one and five, you're sitting at a risk level of about a three. Yeah. Well, number four would be high growth, so you would see 90% of your super invested in those growth assets.\n\nAnd then if you think about number five, you're going up to an aggressive portfolio, which is a 100% invested in the higher risk sort of growth assets and no defensive investments there. So that's increasing your risk level. You can look at increasing that if you want, but then you're also increasing the risk of going through a downtime. So the the possibility of greater returns are there, but there's also the risk of having more of a downturn more regularly and feeling that. Whenever you take on risk, you consider the risk that you you consider the possibility of good possible returns, but then also the risk of the returns might be lower or that you might feel that downtime just as much.\n\nYeah. Does that all make sense so far? There's a lot to think about, isn't there? Yep. Your projection table.\n\nYeah. Mhmm. The projection table no. The projection table is projects everything from the top table. So your current balance is noted in the fee comparison table, the very top one at the top where it's got balance.\n\nSo that's your current balance now is in the current side of that. The recommend yeah. The recommended will be after the capital gains consequences or after the capital gains tax has been taken into account for the investment switch for you. Mhmm. Yep.\n\nBased on all the information above. Correct. Mhmm. That's correct. Yeah.\n\nMhmm. Mhmm. Yeah. Yeah. And, look, they are very minor differences, but it's also taking to account that you have a lot going on.\n\nYou are on a part income protection claim, so you're not working as many hours. And think of your super fund like your vehicle. It's like a car, really. It's essentially, the super fund is where the funds go in to be held. But what actually drives the growth and what makes the super work is the underlying investments and your contributions, and that's essentially the fuel.\n\nThey work together to kind of, you know, your contributions going in as a set of capital that's going in and being invested, but then you've also got growth and income coming out of it. To not have any additional contributions or no contributions going in is gonna limit the amount of growth that you have there. So the growth and the contributions do work in unison. They are they do complement each other to help make your super work harder and grow more. But it's you know, without those, your super can only do so much.\n\nInvestments can only be expected to do so much, essentially. But the actual super fund itself is just the investment vehicle. It's all about the underlying investments and getting the growth and the income there. The other thing to consider is that smaller amounts of growth, have a different effect. So if you think about someone with a $50,000 balance, getting a 5% return is one thing.\n\nThat same person having a $500,000 balance and getting a 5% return, that same 5% return has a much greater effect. So as your super grows and grows and it gets a two, three, or five, or 10% return, that is gonna have a greater effect down the track when your super balance is higher rather than it probably would or feel like it would now. So the compounding effect takes into play, and you end up with great smaller returns have a much bigger effect on the higher balance, essentially. Mhmm. Yeah.\n\nI could always do that projection for you, but one of the things that we did talk about was how you invested. So with your annual review, we're happy to stay with stay in that kind of environment with that 80% split. You if you wanna look at maybe increasing your risk, you absolutely can. It is up to your prerogative. A high growth investor is suit all that sort of portfolio is suited to someone who has at least eight years before they're willing to access their super.\n\nIt does still suit your time horizon. I could always do the projection as an alternative for you if you like. If you decide you wanted to take that, that's absolutely fine, but you are taking on a higher level of risk to do so. Yep. No.\n\nSo it's cash, bonds, and fixed interest. In this case, it'll be basically bonds. Yeah. Yep. As as an average.\n\nSo with this portfolio yeah. So as an average so with this portfolio, the way it's recommended there, you'll actually see about if you look on page number 27, you'll see the asset allocation table for you. Asset allocation table for you. Yeah. Yep.\n\nSo you've got the asset allocation table there, and the first column is the different types of assets that are seen as growth and defensive assets. The second one there is the risk profile as a percentage. So your sort of risk profile sees that eighty twenty split in your existing portfolio. You've got about 86.84% in those growth assets and about 13.16% in the defensive investments. By making the changes and the switch to the newer portfolio, you'd see 86 invested in the growth assets, and we're just increasing the defensive exposure just a little bit there.\n\nSo that's essentially where you would see that exposure sitting. It's just outside of that eighty twenty split just because when you think about the buy price of investments, it's discrepancy. So within that growth portfolio, we still allow for about a 10% discrepancy or variance in the risk profile. Yeah. Yep.\n\nAnd it's performed a lot better in the past. Yeah. And it's cheaper. And to give you a little bit, like, further context there, so with the current cash you have in your portfolio, at the moment, the amount of cash sitting in the cash account is a little over $5,789. So, realistically, you've got about 3.06% cash in your super fund.\n\nWe only really wanna hold about 1%. So it also means that you're holding a little bit much cash at the moment, so we're reinvesting that into the portfolio there for you. If you have a look at page number 25, it essentially shows you what we'll be buying and selling as a whole to kind of alter the portfolio. Yeah. So, essentially, selling off and rebalancing some of the global tech, selling off all of the Asia, just rebalancing back the beta shares Australian 200.\n\nThe battery and lithium tech will be selling all of, and the BetaShares hacks as cybersecurity, that'll be reduced down to 5%. So we're just selling a little bit of that. We'll be buying into the European exposures. This is giving you access to all 16 European countries. So one of the big things that's really important with helping to even though you want, you know, good returns and you want to take a bit of risk, it's still important to try and reduce as much risk as humanly possible.\n\nSo one of the ways we do that is to diversify, and that is investing in different asset classes, different industries, and different countries as well. So this investment portfolio with the iShares Europe there, that's the one, two, three, four, five, six, one down, that's essentially giving you exposure to all 16 European countries there. And so we'll hold about 8% of that one. You'll still hold some beta shares from Australian equities about 20% there. We're still holding some cybersecurity because it is still a good area to hold.\n\nThat's about 5%. That's the beta shares hack investment you can see there. You're still off no. Yeah. Just dropping it a little bit.\n\nYou're at 5.19%. We only wanna hold 5%. So, essentially, that investment's seeing some really good growth. So you're, you know, you we wanna rebalance it back a little bit. So selling a little bit off to bring you back to 5% there.\n\nBuying into the iShares Europe to give you exposure to more of those European countries, they're buying in if you've got 5.73 at the moment, wanna hold 8%. You've also got the S and P 500, which is giving you access and exposures to the top 500 companies on the American market. At the moment, you've got 24.66% there. We wanna buy a little bit more of that to hold about 30 of that side of things. You would see defensive investments, the Vanguard diversified index investment.\n\nWe're selling that off completely, so that'll go down to zero. Well, it's there's nothing wrong with it. It's more of a defensive investment. We've just found a cheaper, better way to hold defensive investments. But the Vanguard diversified index and the Vanguard Australian fixed in fixed interest index, so we're gonna sell those off completely.\n\nThere's nothing wrong with the investment. They can perform quite well. It's just we found a cheaper way to make the investment work for you. The more investments you hold where's that one? No.\n\nThat's the top one there. Yeah. So there's there's nothing wrong with that. We're just removing that essentially out of the portfolio because if you look at the very bottom of Vanguard or WorldX US investment, that's encompassing the entire globe minus The US market. So we can remove the iShares Asia exposure out of that because you have that in this Vanguard or World Index.\n\nIt's essentially taking away a lot of the different investments that might cost you more to hold in your portfolio and incorporating them into one investment so that you're still getting diversification and helping to lower the risk level, but it's making it cheaper for your funds because the more investments you hold, the more you pay in investment fees. Those investment fees are paid out to the investment managers, as they make money off that. So instead of holding 20 different investments, we try to look at a way of holding maybe six, seven, or eight different investment options that give you diversification that are doing really well, but it also, hopefully, lower cost for you so that you're paying less fees out of your super and keeping more money invested for your for your retirement, for your growth, if that makes sense. Yeah. The other thing there, the physical gold and silver, look, we're keeping gold in the portfolio.\n\nIt has done very well. We wanna hold that there. You wanna hold about 10% within this sort of portfolio. Physical gold essentially is an alternative investment, so it's technically growth. It gets growth.\n\nIt doesn't produce any kinda income, but it can act defensively. So if you think about physical gold and think back to times when the markets have gone, you know, down significantly, like the GFC or even 2020, people take money out of other investments and put it into gold. So it can be a bit of a safe haven at certain times as well. So gold can act defensively at certain times, but it is a growth asset. We are looking to keep that in there.\n\nIt is fine. It is a good investment to keep. It is at a thirty year high, but it will, you know, essentially will continue to grow. We still love it. I know I still love a bit of physical gold.\n\nI love wearing gold too. And then you've also got the physical silver in there. We are removing that from your portfolio. It hasn't been performing as we sort of liked it to. It has taken a bit of a better because of, obviously, high inflationary rates.\n\nSo we are just looking to remove the physical silver out of the portfolio and keep that physical gold in there. And then you've got adding in the Japanese exposure. Just a little bit of 5% there just because the all world doesn't have as much exposure to Japan, and it has been a really good place to see growth over the past sort of twelve months. And then the all world ex US. So that's giving you exposure to the entire globe minus The US market, and that's because above, we're holding 30% of the S and P 500.\n\nAnd then as I kinda mentioned before, we're removing the the Vanguard diversified index and the Vanguard fixed interest index, but we still wanna hold defensive investments like cash, bonds, and fixed interest. And so the bottom one, the core composite bonds, that's giving you exposure to both government and corporate bonds and also notes and other, you know, cash investments, essentially. So keeping that is giving you a little bit of a defensive component. Bonds are good. They essentially pay regular income payments.\n\nThink of a bond a bit like a term deposit. You're putting that money into the investment there, and then you're getting regular income payments out on a monthly or a regular basis. At the end of the term, you get your capital back as well, and it can be reinvested. So bonds work the same way term deposits do, and they're really good for income producing. And even at your stage, we still wanna have income.\n\nWe still want the income that's generated from these sorts of investments and a lot of those other investments which are exchange traded funds or ETFs. They will generate dividends that'll be paid in some quarterly, some yearly, some biannually. That money will be redistributed into your cash account and re then reinvested back in the portfolio for you to assist with compounding. Yeah. Does that make sense?\n\nIt is a lot, and I'm very sorry. It's a lot, but so so I wanted to make sure that you yeah. So it is very different, and I know the the returns haven't been you know, aren't showing as great in the projection table, and that's also kind of reflective of the market as a whole. But even if it's, you know, a less than 1% difference in the market, If we can make your super work as hard as possible, absolutely great. If you decide to take these changes on, we make the changes within the super fund.\n\nAnd then in six months' time since February, we catch up again. And we just check to see how that's working in your super fund. I'm even happy if you like to send you a report or maybe catch up with you before February to sort of see how those changes are reflected if they're working in your super. And if they're not, then we can look at what else we can do and what more changes we might need to make in those investments. Does that make sense?\n\nBeautiful. Mhmm. That one was back on '23. Mhmm. Mhmm.\n\nThat's completely up to you with that time frame. So, essentially, when you get to retirement and the way I work out the retirement strategies with majority of my clients is when you get to the year you're ready to retire, we'll have that conversation. We'll talk about what you're actually needing to live on. So up until the point that you actually retire, we sort of work on a base goal. You've sort of said 1,500 per week at the moment, but that could definitely change.\n\nInflation could change that. The cost of living could change for you. You might need more and or less money. I tend to, for anyone who doesn't actually know how much they need to live on when we get to that point, do a budget planner with them so we can assess their living expenses in detail. At 60, if you fully retire, you can access all of your money within Sleepy.\n\nYou can take it as a lump sum, or you can leave it invested and just be drawing out smaller regular lump sums realistically if you would like it to sort of last as long as possible and keep it growing. Having it invested in super does work out better because you keep that fund the funds invested as such, probably in a more conservative portfolio, and then withdrawing smaller amounts out of super on a regular basis. It can be weekly, fortnightly, monthly, however you need those funds to be drawn. And then the rest of the money stays invested in the portfolio working as long as it possibly can. From six no.\n\nWell, no. So no. So at the moment, it does because you're in the accumulation phase. You're accumulating that wealth. However, when you get into pension phase, when you fully retire, you move into the pension phase.\n\nAnd inside pension phase, there is no income tax. There is no capital gains tax. There is no income tax on the drawdowns that you make from super. You will be able to take money as regularly as you like, have ad hoc lump sums whenever you like. And in that pension phase, we can switch investments in ultra portfolios without any there's no capital gains consequences and no income tax consequences on the income that is generated from the from the funds.\n\nSo keeping it in that pension phase when you get to 60 and fully retire is very much a tax sheltered environment, unlike most things now. Yeah. Very nice, isn't it? Yeah. Yeah.\n\nYeah. So there's some things to look forward to. There's some things that we can do there. And, admittedly, between 60 to 67, it is about making sure that you can draw down that income, essentially. When you get to 67, we can look at what your age pension entitlement is, have a look at what you're eligible for, and then draw back to draw less out of super to complement the age pension so that your super and the age pension can hopefully last as long as possible.\n\nBut one of the things we do just wanna make sure we do is start by making these changes. I am encouraging you to do that salary sacrifice where possible. If you look at that $50 on a monthly basis, it is just $12.50 per week. So starting off smaller. But if you can think about the compounding effect, putting $12.50 on a weekly basis into your super now, rather than waiting for five or ten years and starting it down the track, it has a greater chance of growing and compounding.\n\nWhereas if we leave it and do it in ten years' time, essentially, the the compounding effect doesn't have as greater turnaround. It doesn't grow as much, essentially. So it is difficult, and I know with your circumstances, you are only working part time, so you can think about whether you're comfortable to do so. If you decide you don't want to take on the the recommendations with the salary sacrifice on the last page of the document, there is a little multi line box. In that box, you just outline what you do not wish to take on board as part of the advice.\n\nBut I am gonna ink that's on the very last page. Let me just go down the bottom for you. I can tell you what page it is. It should be page number forty forty four. It's above the signing section.\n\nYep. So page number 44, you've got the please sign the box below. Above that, there should be a box, and it should have a multiline in it. No. It should be the next page.\n\nIt's on 44 on my document. Is it 45 on yours? It might have added an extra page to the document. Sometimes having electronic signatures does that. But mine yeah.\n\nAbove that, there should be a big box. It should say multiline, or should it be a text box above that? Yeah. So that's the one. So if you decide you don't wish to take on the advice for the salary sacrifice or any part of the advice you choose not to take on board, you just write that in that box.\n\nYeah. So salary sacrificing means that the the deduction is made pretax. So the employer contributions and the salary sacrifice are taken out of your income before they calculate the income tax. Most of them are quite happy to do so. You if your employer says they're not willing to salary sacrifice, then that'll be another story.\n\nWe can always look at it as a deductible contribution where you transfer it from your bank account, and we just claim a notice of intent for that at the end of the year. Has a very similar effect. It's just a little bit more work there, but it can definitely be done. But most employers are paying your contributions. They're more than happy just to increase that contribution and add the extra in there and do it as a salary sacrifice contribution.\n\nMhmm. Yes. Yes. It comes out of your pay, but it comes yeah. Yes.\n\nYes. Correct. And that's why I recommended a salary sacrifice. So you don't have to do that every week. Your employer just takes it out of the the $12.50 every week out of your income, the same as he does with your employer contributions, and just transfers it straight into your super fund.\n\nYeah. Oh, easy. We'll just give you a letter. It'll have all the information attached. You just hand that to your employer, and they can organize that with your normal employment contributions.\n\nBut we'll have a letter prefilled for you with all the information that you can just send to them or hand to them to make it easier on you. Yeah. That's okay. Not everybody does. Yeah.\n\nYeah. So, look, essentially, we've outlined majority of the recommendations there. You have the sections. There is a lot more detail in the than what I've gone through. I do kinda hit on the points that we need to to make sure you've got the information there.\n\nBut, essentially, as you take some time, you're welcome to go back and have a read through the document, read through the individual sections to sort of, you know, go through the recommendations, the advantages, the disadvantages, the risks involved, the things like that. If you find you have additional questions, you're welcome to come back and ask me. But reading it through can sometimes be a little bit clarifying for you as well. I know sometimes I'm taking you through the sections with all the numbers and the bits and pieces, and it can be a lot to go through. And I'm talking at you at the same time.\n\nSo taking some time to go back and have a read through the document yourself, maybe make yourself cup of tea or a coffee and go through it all page by page, and then let me know if you do happen to have any questions in regard to it. Okay? Absolutely. Absolutely. That was probably the next part to go through.\n\nEssentially, so with the remuneration side of things, that outlines the fees that we are paid for any recommendations that we essentially make there. So there's no upfront implementation fees for the advice. All part of you paying the ongoing service fee. That way we we provide the advice to you as part of that. However, the ongoing remuneration so the ongoing service fee is how much you pay for our ongoing services.\n\nSo the 1.65 per annum, which is that's the yearly fee. The fee comes out of your super fund on a monthly basis in smaller increments there. The insurance fee. So because Neos is your insurance provider, they pay us ongoing remuneration every year for the policy. So whenever it goes through renewal, we receive 22% ongoing for the policy.\n\nThat has zero effect. Yes, sir. You're right. There you go. No.\n\nNo, sir. Yeah. No. There's always been that way. So with insurance providers, advisers do receive ongoing and upfront remuneration for the insurance products that they write with Neos.\n\nAnd every insurer, it's all legislated to be exactly the same. So we we received 66% of the first year's premium and 22% there ongoing. That, however, should have no and does have no effect on our recommendations. We're retaining the insurances that you have because you are currently on a claim. You're happy with the life and TPD policy that you hold, and you're currently claiming the income protection policy.\n\nSo it does mean that retaining is the best option for you. It's in your best interest to do so currently. If later down the track, the insurances are too expensive, don't meet your needs and need to be altered, we will do that with you, but we will make sure it meets your goal. We'll talk about what you wanna cover, the level of cover you're happy with, what the cost of that looks like, and how it affects you. And the the ongoing remuneration is how much the insurer pays us.\n\nIt doesn't it's not paid by you in any way. It's paid by the insurer to us, and we have a duty to make sure we disclose this information to you. So that's why we have the remuneration page, and it outlines all the remuneration that we receive. All of this is received by Okview Financial, not by me personally. I get paid a wage, so it doesn't you know, I provide advice to make sure I'm helping you to get your super working harder and meeting your goals and working towards your retirement goals, but I do not get paid a commission for any of it.\n\nI get paid a wage. I work an hourly rate, and I get paid a wage for what I do. So this is all paid to Oakview Financial, and it's all disclosed there nice and clear there for you. Okay? Yeah.\n\nEasy. Beautiful. Do you have any other questions at the moment? Have I answered everything you know, okay? Has it kinda made sense thus far?\n\nYeah. That's okay. That's okay. You will see in there as well with the estate planning side of things that I have made the recommendations around setting up a will and a power of attorney. We don't do that.\n\nWe can refer you to a solicitor, or if you have a local attorney or a solicitor you're comfortable talking to to seek those services. The other options are as as I kinda mentioned last time, I sent that email after the call with the estate planning side of things. Just making sure those things are updated and reflective of your personal circumstances is very important. Your beneficiaries cover your life insurance and your super, but they don't cover everything else that you've got there. So it's important to make sure that everything is covered and that it is provided as per your wishes on on passing or, you know, hope nothing ever happens.\n\nIt's one of those things. It's like the insurance that you cover yourself in the you know, in case something was to happen. There might only be a very small chance that something occurs, but making sure you have those protections in place is really important for you. Okay? The other thing I just wanted to also show you is we kinda talked earlier.\n\nI've scoped in the insurance aspect to know that we're retaining all your insurance covers currently, but there is an effect. And I kinda talked about before how we know that there's an effect on your retirement outcome because you pay insurances out of your super. If you can go to page 31 for me, there's a little table I just wanted to sort of run you through as well. Yep. So on the bottom of that page, you have a heading called outcomes, and underneath that, there is a little projection Yeah.\n\nSo with this table here, you've got the exact same as what's in the above projection table, the current and the recommended. That's exactly the same. The last column is the difference, and that's essentially showing you if you had no insurance premiums being deducted out of your super with the recommended changes that we've got in the advice that you could end up over the next five to ten years with more super inside your account. So this is essentially showing you that we know and we understand that insurance premiums coming out of your super do have an effect on your retirement income, because it does reduce the amount that you have five super at the end of the day. So this is showing you the overall impact that we've assessed, but I don't want you to take yeah.\n\nIf you Sorry. The well, that's the thing. This is not telling you to cancel the insurances in any way, shape, or form. It's just showing you the effect. So if you didn't have insurance payment and some people pay their insurance premiums out of their back pocket, which is absolutely fine.\n\nBut this is just showing you the overall effect. So when you pay the insurance premiums inside of Super, it does lower the overall expected retirement income. This is just showing you the effect of the current versus the recommended or if you had no insurance premiums being paid out of your super. It's something we have to note that is an effect because your insurance premiums will get more expensive over time. They will have a greater effect on your super, but we just have to be able to sort of show you that, you know, having having insurance premiums paid out of your super means that you have that level of cover, but you don't have to pay the premiums out of your back pocket.\n\nBut it means that over the next five to ten to fifteen years, you could end up with less in your super than what you would have if you did not pay for those insurance premiums. This is not in any way saying you should cancel the insurance premiums. It's just showing you the long term effect based on where you currently are, the recommended, and, obviously, not having insurance premiums paid out of your super. It's just an effect we have to kinda go through and show you. No.\n\nThis it's not saying you have to cancel. It's not saying you should. It's just showing you the outcome if you were to not. It's like an alternative. If you didn't have insurance premiums, this is the projected outcome that you could see.\n\nIt's, you know, just something we have to note. It's kind of it's all sort of in the legislative side of things that because we have insurance paid out of super, we have to show you the difference if you didn't show have the insurance premiums paid out of super. But, look, I pay my insurances out of super. I know that over the next, you know, ten to fifteen years, I'm probably gonna be about $40,000 less because of that. And I understand that, and I'm comfortable with that.\n\nSo it's just about making sure that you're fully informed and that we show you the alternatives and the projected expected impact of your super with the insurance premiums that you do have, if that makes sense. It's a little bit confusing, and I get that, But we it's just making sure that we're touching the points that we do have to and showing you the alternative. Does that make sense? Yeah. All good.\n\nAll good. I know I've gone through a lot, and I'm so sorry. It can definitely be a lot to go through. You've asked a lot of questions. Is there any other questions that might sorta come into mind at the moment that you might have?\n\nNo. That's okay. I would suggest if you just take some time to read it through, go through the different sections. Yeah. Of course.\n\nYeah. Oh, that's a that's an error. Let me sorry. I'll go back and have that one rectified for you, and we'll send it back out. Yeah.\n\nSorry about that. That's a small error. We'll go back in and just have that changed and send it back to you. Sorry about that. It's all good.\n\nIt's just a it's we pull it sort of pull it out of the template. It should just be updated with your name, essentially. So we'll just go back and have that rectified and resend the document to you. So it'll come through very shortly. When it comes through, you'll be able to take some time there, Catherine, just to read it through.\n\nTake some time to take it in. It might be a little bit clearer to you once you've kind of taken some time to read it over as well, and let me know if you do happen to have any questions. Okay? Easy. That's okay.\n\nIs there any other questions that might have come to mind at the moment at all? No. That's all good? Beautiful. Fantastic.\n\nWell, thank you so much for your time today. Hopefully, you've got a restful afternoon. You still got a bit of work to do today? Or yeah. Well, hopefully, you enjoy the rest of your day, and I'll talk to you very soon.\n\nYeah. Not a problem at all. Thank you so much for that. You have a good afternoon, and thank you for taking my call. Thanks.\n\nSee you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Catherine.","start":2.6399999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.12810854613780975},{"text":"It's Dana from Okey Financial.","start":3.4399998,"end":5.06,"sentiment":"neutral","sentiment_score":0.1690107762813568},{"text":"How are you this afternoon?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.21820972561836244},{"text":"That's good.","start":9.2,"end":9.76,"sentiment":"positive","sentiment_score":0.7132086753845215},{"text":"I had you booked in to go through your updated statement of advice to to make some changes to your investments.","start":9.76,"end":15.115,"sentiment":"positive","sentiment_score":0.36444889647620066}],"sentiment":"neutral","sentiment_score":0.3220618222440992,"num_words":35,"start":2.6399999,"end":15.115},{"sentences":[{"text":"Is now still a good time here for you?","start":15.255,"end":17.355,"sentiment":"positive","sentiment_score":0.36511076158947414},{"text":"Fan fantastic.","start":19.735,"end":21.035,"sentiment":"positive","sentiment_score":0.6415168046951294},{"text":"How's your day being so far?","start":21.255001,"end":22.955,"sentiment":"positive","sentiment_score":0.3962813566128413},{"text":"Yeah?","start":25.255001,"end":25.755001,"sentiment":"neutral","sentiment_score":0.12269359827041626},{"text":"No.","start":26.98,"end":27.22,"sentiment":"neutral","sentiment_score":0.011731669306755066}],"sentiment":"positive","sentiment_score":0.37269178268156555,"num_words":19,"start":15.255,"end":27.22},{"sentences":[{"text":"All good.","start":27.22,"end":27.46,"sentiment":"neutral","sentiment_score":0.144574873149395},{"text":"Well, I'll try not to take up too much of your time there.","start":27.46,"end":29.96,"sentiment":"neutral","sentiment_score":-0.04911174768438706},{"text":"Before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":30.18,"end":34.66,"sentiment":"neutral","sentiment_score":0.03602014464281854},{"text":"Are you happy for me to proceed with that?","start":34.66,"end":36.76,"sentiment":"neutral","sentiment_score":0.09096934729152256},{"text":"Beautiful.","start":38.66,"end":39.059998,"sentiment":"positive","sentiment_score":0.5688338279724121}],"sentiment":"neutral","sentiment_score":0.03901473951080571,"num_words":46,"start":27.22,"end":39.059998},{"sentences":[{"text":"And just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":39.059998,"end":44.975,"sentiment":"neutral","sentiment_score":0.1718400462909981},{"text":"Beautiful.","start":51.195,"end":51.695,"sentiment":"positive","sentiment_score":0.448633074760437},{"text":"Thank you so much for that.","start":51.754997,"end":53.295,"sentiment":"positive","sentiment_score":0.5790708760420481},{"text":"Catherine, I do send through the email to you with the statement of advice document attached.","start":53.515,"end":57.94,"sentiment":"neutral","sentiment_score":0.19870094023644924},{"text":"Are you able to access your email and pull that one up at all?","start":57.94,"end":61.48,"sentiment":"neutral","sentiment_score":0.09365340348865304}],"sentiment":"neutral","sentiment_score":0.20395472302334383,"num_words":64,"start":39.059998,"end":61.48},{"sentences":[{"text":"Yeah.","start":65.06,"end":65.38,"sentiment":"neutral","sentiment_score":0.0032538394443690777},{"text":"Just then.","start":65.38,"end":66.259995,"sentiment":"neutral","sentiment_score":0.0036932691000401974},{"text":"I send it when I give you a call.","start":66.259995,"end":68.04,"sentiment":"neutral","sentiment_score":0.006387457561989625},{"text":"Yeah.","start":68.1,"end":68.6,"sentiment":"neutral","sentiment_score":0.02026325650513172},{"text":"That's that's okay.","start":70.979996,"end":71.895004,"sentiment":"neutral","sentiment_score":0.06018174191315969}],"sentiment":"neutral","sentiment_score":0.01680849862168543,"num_words":16,"start":65.06,"end":71.895004},{"sentences":[{"text":"If you're making a coffee, you're welcome to to grab that.","start":71.895004,"end":74.615,"sentiment":"neutral","sentiment_score":0.15004830875179984},{"text":"That's fine.","start":74.615,"end":75.355,"sentiment":"neutral","sentiment_score":0.10069174692034721},{"text":"Oh, okay.","start":78.535,"end":79.355,"sentiment":"neutral","sentiment_score":-0.003883564844727516},{"text":"No.","start":79.735,"end":79.975,"sentiment":"neutral","sentiment_score":-0.040086034685373306},{"text":"That's alright.","start":79.975,"end":80.875,"sentiment":"neutral","sentiment_score":-0.016941510140895844}],"sentiment":"neutral","sentiment_score":0.09834326141410404,"num_words":18,"start":71.895004,"end":80.875},{"sentences":[{"text":"That's okay.","start":86.130005,"end":86.93,"sentiment":"neutral","sentiment_score":0.060226043686270714},{"text":"That's not a problem at all.","start":86.93,"end":88.630005,"sentiment":"neutral","sentiment_score":0.14329954981803894},{"text":"Nice.","start":120.8,"end":121.04,"sentiment":"neutral","sentiment_score":0.26748743653297424},{"text":"Not a problem at all.","start":121.04,"end":122.5,"sentiment":"neutral","sentiment_score":0.13922481387853622},{"text":"When you do get into your emails there, it should've come through from OdooSign and ordainer@oqfinancial.","start":124.085,"end":129.865,"sentiment":"neutral","sentiment_score":0.08838104619644582}],"sentiment":"neutral","sentiment_score":0.11193192104498545,"num_words":30,"start":86.130005,"end":129.865},{"sentences":[{"text":"Has that come through there to you at all?","start":161.18001,"end":163.20001,"sentiment":"neutral","sentiment_score":0.05232791809572114},{"text":"No.","start":165.74,"end":165.90001,"sentiment":"neutral","sentiment_score":-0.287828266620636},{"text":"Double check your junk mail as well.","start":165.90001,"end":167.92001,"sentiment":"negative","sentiment_score":-0.3396328538656235},{"text":"Nothing?","start":171.18001,"end":171.68001,"sentiment":"neutral","sentiment_score":-0.12955217063426971},{"text":"Okay.","start":175.035,"end":175.275,"sentiment":"neutral","sentiment_score":-0.062009043991565704}],"sentiment":"neutral","sentiment_score":-0.1255720102865445,"num_words":19,"start":161.18001,"end":175.275},{"sentences":[{"text":"I can go back in and press resend to see if that's the problem.","start":175.275,"end":178.555,"sentiment":"neutral","sentiment_score":-0.10183100668447358},{"text":"It might also just take a little bit a little bit of time.","start":178.555,"end":181.455,"sentiment":"neutral","sentiment_score":-0.10433174211245316},{"text":"I've just pressed resend to see if it comes through to you there again.","start":184.395,"end":191.76999,"sentiment":"neutral","sentiment_score":0.05043426049607141},{"text":"And, yeah, I've got your email the same as the last we used.","start":201.125,"end":203.765,"sentiment":"neutral","sentiment_score":0.11000952124595642},{"text":"It's quickly@hotmail.com.","start":203.765,"end":205.525,"sentiment":"neutral","sentiment_score":0.10595369338989258}],"sentiment":"neutral","sentiment_score":-0.0077470701986125535,"num_words":56,"start":175.275,"end":205.525},{"sentences":[{"text":"There's no changes to that at all?","start":205.525,"end":207.305,"sentiment":"neutral","sentiment_score":-0.06809677476329463},{"text":"No.","start":209.045,"end":209.36499,"sentiment":"neutral","sentiment_score":-0.20098628103733063},{"text":"That's yep.","start":209.36499,"end":210.965,"sentiment":"neutral","sentiment_score":-0.016800682991743095},{"text":"Beautiful.","start":210.965,"end":211.465,"sentiment":"positive","sentiment_score":0.5759114027023315},{"text":"That's okay.","start":216.61,"end":217.51,"sentiment":"neutral","sentiment_score":0.16127067804336548}],"sentiment":"neutral","sentiment_score":0.01439905295578333,"num_words":13,"start":205.525,"end":217.51},{"sentences":[{"text":"Beautiful.","start":235.505,"end":236.005,"sentiment":"positive","sentiment_score":0.5691681504249573},{"text":"So when you open the email there, it does have a little button that says sign here or sign to complete or sign now.","start":236.625,"end":244.11,"sentiment":"neutral","sentiment_score":0.12697036719570556},{"text":"You just click on that button so you can move forward through the document.","start":244.25,"end":247.55,"sentiment":"neutral","sentiment_score":0.11376861695732389},{"text":"When you click on that button, it takes you to the next screen, which will have the actual statement of advice then.","start":248.33,"end":253.05,"sentiment":"neutral","sentiment_score":0.07093788192353466},{"text":"It lets you go through the pages individually.","start":253.05,"end":255.295,"sentiment":"neutral","sentiment_score":0.07128152623772621}],"sentiment":"neutral","sentiment_score":0.10637830743107243,"num_words":69,"start":235.505,"end":255.295},{"sentences":[{"text":"Yep.","start":262.715,"end":263.195,"sentiment":"neutral","sentiment_score":0.14381146430969238},{"text":"Beautiful.","start":263.195,"end":263.695,"sentiment":"positive","sentiment_score":0.4063758850097656},{"text":"Excellent.","start":264.555,"end":265.055,"sentiment":"positive","sentiment_score":0.48474955558776855},{"text":"So the first page of the document there, the front page, it does say statement of advice prepared for yourself as of the 08/25/2026.","start":265.195,"end":272.84,"sentiment":"neutral","sentiment_score":0.1175531167536974},{"text":"All of our advice is valid for sixty days.","start":273.22,"end":275.72,"sentiment":"neutral","sentiment_score":0.08937543713384205}],"sentiment":"neutral","sentiment_score":0.12946085114445952,"num_words":36,"start":262.715,"end":275.72},{"sentences":[{"text":"So we date it for the date of the actual presentation there.","start":276.26,"end":279.4,"sentiment":"neutral","sentiment_score":0.06089480066051086},{"text":"On the bottom of the front page, it has my details.","start":279.885,"end":282.045,"sentiment":"neutral","sentiment_score":0.051216085187413475},{"text":"So I'm also as representative of Ophi Financial and a licensed financial adviser through ASIC, and my registration number is 13 oh, sorry.","start":282.045,"end":290.205,"sentiment":"neutral","sentiment_score":0.05662322173947874},{"text":"1304394.","start":290.205,"end":292.465,"sentiment":"neutral","sentiment_score":0.04156854748725891},{"text":"Okay?","start":292.525,"end":293.025,"sentiment":"neutral","sentiment_score":0.03581570088863373}],"sentiment":"neutral","sentiment_score":0.055704851945241295,"num_words":48,"start":276.26,"end":293.025},{"sentences":[{"text":"The next page as you are sort of scrolling through, I'll take you through these a little bit more briefly.","start":294.72,"end":299.84,"sentiment":"neutral","sentiment_score":0.03943815845996142},{"text":"But the next page, Alan, the best interest duties is just noting that we do act in your best interest.","start":299.84,"end":304.9,"sentiment":"neutral","sentiment_score":0.07609641496092082},{"text":"Any advice we do provide is there to meet your goals.","start":305.19998,"end":307.94,"sentiment":"neutral","sentiment_score":0.11614233255386353},{"text":"The following page continues forward to the table of contents, and then we have the scoping in and out areas.","start":309.095,"end":314.935,"sentiment":"neutral","sentiment_score":0.05344474576413631},{"text":"So, essentially, with this advice piece, we're looking at superannuation.","start":314.935,"end":317.835,"sentiment":"neutral","sentiment_score":0.07604625262320042}],"sentiment":"neutral","sentiment_score":0.06688413046944289,"num_words":81,"start":294.72,"end":317.835},{"sentences":[{"text":"We're also looking to retain your insurances exactly as they are because you are on an income protection claim as well as working part time.","start":318.85498,"end":326.94,"sentiment":"neutral","sentiment_score":0.07411393962800503},{"text":"But we've scoped them in because the insurances have to be factored in.","start":327.56,"end":331.08,"sentiment":"neutral","sentiment_score":0.09742402629210399},{"text":"They are paid out of your super, so it does have an effect on your on your retirement.","start":331.08,"end":335.465,"sentiment":"neutral","sentiment_score":0.16755197652512127},{"text":"And so it has been factored into the projection table for that purpose there.","start":335.465,"end":339.145,"sentiment":"neutral","sentiment_score":0.14555166448865617},{"text":"Okay?","start":339.145,"end":339.645,"sentiment":"neutral","sentiment_score":0.0865318775177002}],"sentiment":"neutral","sentiment_score":0.116331712539557,"num_words":71,"start":318.85498,"end":339.645},{"sentences":[{"text":"We've also got the estate planning side of things.","start":341.385,"end":343.785,"sentiment":"neutral","sentiment_score":0.12712561504708397},{"text":"So I've scoped that in.","start":343.785,"end":345.305,"sentiment":"neutral","sentiment_score":0.18715916872024535},{"text":"Just because you don't have a will and power of attorney up to date, it is definitely something to consider doing.","start":345.305,"end":350.42,"sentiment":"neutral","sentiment_score":0.1854520028545743},{"text":"I've scoped out the beneficiaries because you have those in place on your super and your life insurance policy, and you are happy with how they were noted.","start":350.63998,"end":358.18,"sentiment":"neutral","sentiment_score":0.3175685778260231},{"text":"But we scoped in your state planning, noting it is important that you do speak to a solicitor and draft up a will and power of attorney for yourself just to make sure that everything that you've worked really hard for is protected.","start":358.48,"end":369.555,"sentiment":"neutral","sentiment_score":0.12228399948325268}],"sentiment":"neutral","sentiment_score":0.1898542509045241,"num_words":106,"start":341.385,"end":369.555},{"sentences":[{"text":"Okay?","start":369.935,"end":370.435,"sentiment":"neutral","sentiment_score":0.05954807251691818},{"text":"Excellent.","start":372.575,"end":373.075,"sentiment":"positive","sentiment_score":0.4668665826320648},{"text":"Areas that we're not looking at with the advice there is on page number five and onwards.","start":374.095,"end":378.51,"sentiment":"neutral","sentiment_score":-0.06902763992547989},{"text":"So you did you know, looking forward the income protection side of things, you've got income protection at the moment.","start":378.75,"end":384.99002,"sentiment":"neutral","sentiment_score":-0.10341668650507926},{"text":"You've also got some trauma cover.","start":384.99002,"end":386.83002,"sentiment":"neutral","sentiment_score":-0.3095133751630783}],"sentiment":"neutral","sentiment_score":-0.10161042677031623,"num_words":45,"start":369.935,"end":386.83002},{"sentences":[{"text":"We're not making any changes or recommendations on any of those.","start":386.83002,"end":389.95,"sentiment":"negative","sentiment_score":-0.44287520105188544},{"text":"We're not scoping in anything to assist with the cash on budgeting at this time.","start":389.95,"end":394.405,"sentiment":"negative","sentiment_score":-0.3749904016653697},{"text":"If you did need additional assistance or new advice down the track, we can certainly help you to look at that.","start":394.405,"end":399.545,"sentiment":"neutral","sentiment_score":0.09674144855567388},{"text":"And then, again, at the bottom there, I've scoped out the beneficiary nomination side of the estate planning because you have those current on your super and your insurances.","start":399.685,"end":408.00998,"sentiment":"neutral","sentiment_score":0.07358356372549615},{"text":"They do currently reflect your wishes.","start":408.06998,"end":409.83,"sentiment":"neutral","sentiment_score":0.21157264212767282}],"sentiment":"neutral","sentiment_score":-0.061726263610691556,"num_words":82,"start":386.83002,"end":409.83},{"sentences":[{"text":"We'll just keep to review them with you and make changes as we need you down the track.","start":409.83,"end":414.49,"sentiment":"neutral","sentiment_score":0.18578283488750458},{"text":"Okay?","start":414.55,"end":415.05,"sentiment":"neutral","sentiment_score":0.07805459201335907},{"text":"That was on page number five.","start":418.55,"end":420.33,"sentiment":"neutral","sentiment_score":0.09004079798857371},{"text":"Yeah.","start":422.205,"end":422.605,"sentiment":"positive","sentiment_score":0.4122388958930969},{"text":"Beautiful.","start":422.605,"end":423.105,"sentiment":"positive","sentiment_score":0.6649488806724548}],"sentiment":"neutral","sentiment_score":0.18665104386983095,"num_words":27,"start":409.83,"end":423.105},{"sentences":[{"text":"Now I am gonna skip ahead a few pages, but you'll get to take this back and have a really good read at it prior to taking on the advice.","start":423.645,"end":431.025,"sentiment":"neutral","sentiment_score":0.19419756457209586},{"text":"But, essentially, if I can get you to scroll scroll down for me, we're gonna head down to page number 23.","start":431.485,"end":439.48,"sentiment":"neutral","sentiment_score":0.06946652489049095},{"text":"I'll take you through the sections of the advice that I need to to touch on the points that I need to, and then you're welcome to take your document back and have a really good read of it prior to you accepting any of the advice.","start":439.86002,"end":449.96,"sentiment":"neutral","sentiment_score":0.2430187441567157},{"text":"Okay?","start":450.255,"end":450.755,"sentiment":"neutral","sentiment_score":0.14917925000190735},{"text":"Beautiful.","start":452.65503,"end":453.15503,"sentiment":"positive","sentiment_score":0.5886591672897339}],"sentiment":"neutral","sentiment_score":0.19444443352520466,"num_words":100,"start":423.645,"end":453.15503},{"sentences":[{"text":"Now when you get to page 23, it should say on the heading there the fee comparison table.","start":454.73502,"end":459.45502,"sentiment":"neutral","sentiment_score":0.13765040867858463},{"text":"So you can just let me know when you get to that point there.","start":459.45502,"end":462.195,"sentiment":"neutral","sentiment_score":0.11626729794910975},{"text":"That's okay.","start":464.49503,"end":465.06,"sentiment":"neutral","sentiment_score":0.130392923951149},{"text":"Okay.","start":466.66,"end":467.16,"sentiment":"neutral","sentiment_score":0.09510576725006104},{"text":"Yeah.","start":468.02,"end":468.5,"sentiment":"neutral","sentiment_score":0.2481316328048706}],"sentiment":"neutral","sentiment_score":0.1308186882072025,"num_words":36,"start":454.73502,"end":468.5},{"sentences":[{"text":"Beautiful.","start":468.5,"end":469.0,"sentiment":"positive","sentiment_score":0.5133443474769592},{"text":"So, essentially, with the recommendations there, we had scoped in super as I kinda mentioned, and we're looking at trying to meet your goals.","start":469.78,"end":476.36,"sentiment":"neutral","sentiment_score":0.15304763739307722},{"text":"You were hoping to be able to retire at around about the age of 60 there.","start":476.41998,"end":480.345,"sentiment":"neutral","sentiment_score":0.1403244943358004},{"text":"Your super balance is working well, but it has been a little bit lower and held back with returns this year partly because of what's been happening in the markets globally, but also just with the better long Australian equities investments.","start":480.585,"end":491.945,"sentiment":"neutral","sentiment_score":-0.10225222073495388},{"text":"So we agreed to go back and have a really good look at the investments, look at the way the super was structured, and look at whether or not, you know, moving to another fund or moving switching your investments was gonna help a little bit there.","start":491.945,"end":504.47,"sentiment":"neutral","sentiment_score":0.10517973658886362}],"sentiment":"neutral","sentiment_score":0.05568051258780698,"num_words":129,"start":468.5,"end":504.47},{"sentences":[{"text":"So what I've essentially recommended is that we do retain your Netwealth super fund.","start":504.57498,"end":509.07498,"sentiment":"neutral","sentiment_score":0.12289126802768026},{"text":"I did look at moving to other super funds.","start":509.455,"end":511.935,"sentiment":"neutral","sentiment_score":0.055328561613957085},{"text":"However, there are capital gains taxes for switching and selling investments.","start":511.935,"end":516.355,"sentiment":"neutral","sentiment_score":-0.08914783122864636},{"text":"So if we had to sell down all of your investments and move to another fund, it essentially was a higher capital gains consequence than just retaining your current fund and switching the investments out.","start":516.495,"end":526.98,"sentiment":"neutral","sentiment_score":-0.029063916738544193},{"text":"The other side of that is you also do have your own income protection claim.","start":527.28,"end":531.12,"sentiment":"neutral","sentiment_score":0.07946349481741587}],"sentiment":"neutral","sentiment_score":0.016815761902502606,"num_words":84,"start":504.57498,"end":531.12},{"sentences":[{"text":"So it does mean, you know, moving all the other bits and pieces and parts.","start":531.12,"end":534.64,"sentiment":"neutral","sentiment_score":0.07004733011126518},{"text":"So with everything you've got going on at the moment, trying to keep this as easy as possible for you, limit the overall complexity, but making sure your super is working harder for you.","start":534.64,"end":544.365,"sentiment":"neutral","sentiment_score":0.13860581815242767},{"text":"So I'm recommending we retain your Netwealth Superfund itself so that we switch the investments within that.","start":544.585,"end":550.925,"sentiment":"neutral","sentiment_score":0.17528026857796838},{"text":"Now on the top line there, you've got your current balance, $191,001.47.","start":551.27997,"end":556.42,"sentiment":"neutral","sentiment_score":0.09824874127904575},{"text":"Essentially, I'll take you through the investment switch switches shortly.","start":557.04,"end":560.18,"sentiment":"neutral","sentiment_score":0.10880847377702593}],"sentiment":"neutral","sentiment_score":0.12511524963404305,"num_words":88,"start":531.12,"end":560.18},{"sentences":[{"text":"But in order to switch the investments or to ultra investments within your super, there are capital gains consequences for your super fund.","start":561.12,"end":568.055,"sentiment":"neutral","sentiment_score":-0.013229593634605408},{"text":"This doesn't affect you personally.","start":568.055,"end":569.755,"sentiment":"neutral","sentiment_score":0.03802901729941368},{"text":"Your super fund likely does a tax return every year, and your super fund pays income tax and capital gains tax.","start":570.135,"end":576.235,"sentiment":"neutral","sentiment_score":0.09084713352578026},{"text":"Essentially, to make the switch and to change the investments within your super fund, the expected capital gains consequence there is $1,938.","start":576.695,"end":586.60004,"sentiment":"neutral","sentiment_score":0.10274548710069874},{"text":"So you can see that in the differences column there.","start":586.60004,"end":589.08,"sentiment":"neutral","sentiment_score":0.06202309392392635}],"sentiment":"neutral","sentiment_score":0.057707233239471176,"num_words":81,"start":561.12,"end":589.08},{"sentences":[{"text":"Okay?","start":589.08,"end":589.58,"sentiment":"neutral","sentiment_score":0.011455457657575607},{"text":"So you're retaining your super fund, but we're changing the underlying investments there.","start":595.76495,"end":600.40497,"sentiment":"neutral","sentiment_score":-0.0025241165780104124},{"text":"So the cost for doing so, the the capital gains consequence for your super fund is expected to be $1,938.","start":600.40497,"end":609.305,"sentiment":"neutral","sentiment_score":0.05439338805153966},{"text":"Okay?","start":609.81,"end":610.31,"sentiment":"neutral","sentiment_score":0.02108071371912956},{"text":"Yep.","start":613.09,"end":613.59,"sentiment":"neutral","sentiment_score":-0.039228200912475586}],"sentiment":"neutral","sentiment_score":0.029121172666135762,"num_words":36,"start":589.08,"end":613.59},{"sentences":[{"text":"That's correct.","start":616.45,"end":617.33,"sentiment":"neutral","sentiment_score":-0.00031905132345855236},{"text":"It's a tax.","start":617.33,"end":618.29004,"sentiment":"neutral","sentiment_score":-0.06403161709507306},{"text":"Yeah.","start":618.29004,"end":618.69,"sentiment":"neutral","sentiment_score":0.028290271759033203},{"text":"So capital gains is c CGT is capital gains tax.","start":618.69,"end":622.335,"sentiment":"neutral","sentiment_score":0.03064306564629078},{"text":"And whenever you buy and sell investments, there are capital gains consequences for doing so.","start":622.41504,"end":627.395,"sentiment":"neutral","sentiment_score":0.0596982978284359}],"sentiment":"neutral","sentiment_score":0.03346653037794655,"num_words":31,"start":616.45,"end":627.395},{"sentences":[{"text":"So your super fund will pay capital gains tax of $1,938.","start":627.455,"end":632.17505,"sentiment":"neutral","sentiment_score":0.19634028727358038},{"text":"So it reduces the upfront balance.","start":632.17505,"end":634.11505,"sentiment":"neutral","sentiment_score":0.19314306353529295},{"text":"That means that with the new portfolio, once we've made the switch, the expected super balance within the fund is 189,209.","start":634.74,"end":644.28,"sentiment":"neutral","sentiment_score":0.20342191876400084},{"text":"Mhmm.","start":650.555,"end":651.055,"sentiment":"neutral","sentiment_score":0.09383293986320496},{"text":"Oh, yeah.","start":654.795,"end":655.355,"sentiment":"neutral","sentiment_score":0.2837517634034157}],"sentiment":"neutral","sentiment_score":0.2012633732179316,"num_words":41,"start":627.455,"end":655.355},{"sentences":[{"text":"Perfect.","start":655.355,"end":655.855,"sentiment":"positive","sentiment_score":0.515964686870575},{"text":"Yeah.","start":655.995,"end":656.15497,"sentiment":"positive","sentiment_score":0.4289259612560272},{"text":"I can show you that.","start":656.15497,"end":657.035,"sentiment":"positive","sentiment_score":0.43965070843696596},{"text":"So the benefits there are that the investment fees are reduced.","start":657.035,"end":659.995,"sentiment":"positive","sentiment_score":0.4287159768017856},{"text":"So the newer portfolio, if you have a look at the second line there in your current fund, you're paying $548 for investment fees.","start":659.995,"end":668.25,"sentiment":"neutral","sentiment_score":0.3127168193459511}],"sentiment":"positive","sentiment_score":0.36581484760556904,"num_words":42,"start":655.355,"end":668.25},{"sentences":[{"text":"By switching to the newer fund, we actually save a $194 on investment fees for the first year.","start":668.47003,"end":675.05005,"sentiment":"positive","sentiment_score":0.5661835190322664},{"text":"Alright?","start":675.27,"end":675.51,"sentiment":"neutral","sentiment_score":0.3309088945388794},{"text":"So definitely, there's more money in your super working harder for you.","start":675.51,"end":679.15497,"sentiment":"positive","sentiment_score":0.5321439156929652},{"text":"It reduces the investment costs.","start":679.15497,"end":680.935,"sentiment":"positive","sentiment_score":0.3633687436580658},{"text":"The other side of it is the the growth or the five year rolling average.","start":681.875,"end":686.595,"sentiment":"neutral","sentiment_score":0.08980439851681392}],"sentiment":"positive","sentiment_score":0.3935656651270156,"num_words":51,"start":668.47003,"end":686.595},{"sentences":[{"text":"If you look at the very bottom of that table, you've got the five year rolling average there.","start":686.595,"end":691.39496,"sentiment":"neutral","sentiment_score":0.07517755238546266},{"text":"When you look at the older fund, it's averaged about 10.47% on a yearly basis.","start":691.39496,"end":696.70996,"sentiment":"neutral","sentiment_score":0.03157889246940613},{"text":"The newer fund has averaged 10.71%.","start":697.01,"end":700.23,"sentiment":"neutral","sentiment_score":0.08726760745048523},{"text":"So it has the newer fund has had a a greater past performance, which if it can do the same thing over the next sort of five to ten years, can put you in a greater, in a greater position down the track.","start":700.29,"end":713.02496,"sentiment":"positive","sentiment_score":0.5598514703817146},{"text":"Yeah.","start":730.54,"end":730.77997,"sentiment":"neutral","sentiment_score":0.04773925989866257}],"sentiment":"neutral","sentiment_score":0.31893780073487615,"num_words":83,"start":686.595,"end":730.77997},{"sentences":[{"text":"This isn't yeah.","start":730.77997,"end":732.885,"sentiment":"neutral","sentiment_score":-0.008523329471548399},{"text":"So this isn't necessarily your five year rolling average.","start":732.885,"end":735.84503,"sentiment":"neutral","sentiment_score":-0.029470032081007957},{"text":"This is the five year rolling average that this portfolio has been able to obtain in general.","start":735.84503,"end":741.385,"sentiment":"neutral","sentiment_score":0.09547997923458323},{"text":"So, obviously, what you actually get in the fund can be very different to what the what the portfolio can return because there's many other factors involved there.","start":741.84503,"end":750.82,"sentiment":"neutral","sentiment_score":-0.06141312646546534},{"text":"When you think about the return you actually get within the portfolio, it's dependent upon contributions going in, income that's being redistributed, fees that are coming in and out of the fund.","start":750.96,"end":760.58,"sentiment":"neutral","sentiment_score":-0.0021815061336383224}],"sentiment":"neutral","sentiment_score":-0.005135015364778176,"num_words":89,"start":730.77997,"end":760.58},{"sentences":[{"text":"There's lots of other factors there.","start":760.795,"end":762.47504,"sentiment":"neutral","sentiment_score":-0.0536779947578907},{"text":"So if this isn't saying that you will or have got that 10.47%, it's saying that this portfolio, when we look at past data, has been able to generate this as a as a gross so a gross return over the past five years.","start":762.47504,"end":778.26996,"sentiment":"neutral","sentiment_score":0.011203573720360344},{"text":"The same thing with the newer it is.","start":778.49,"end":781.45,"sentiment":"neutral","sentiment_score":0.0582495485432446},{"text":"It absolutely is.","start":781.45,"end":782.75,"sentiment":"neutral","sentiment_score":0.18102014064788818},{"text":"Yeah.","start":785.29,"end":785.79,"sentiment":"neutral","sentiment_score":0.04603146016597748}],"sentiment":"neutral","sentiment_score":0.019773831380711447,"num_words":62,"start":760.795,"end":785.79},{"sentences":[{"text":"Yeah.","start":786.53503,"end":787.015,"sentiment":"neutral","sentiment_score":0.17956656217575073},{"text":"And, look, the newer portfolio can obtain and has obtained about a 10.71% over the past five years.","start":787.015,"end":793.575,"sentiment":"neutral","sentiment_score":0.2688586769832505},{"text":"So, realistically, if the newer portfolio can do that over the next, you know, five to ten years, that can put your super in a much greater position there for you.","start":793.575,"end":802.46,"sentiment":"positive","sentiment_score":0.4041352959409837},{"text":"So we have to utilize past data and research houses to be able to obtain this data.","start":802.46,"end":807.92,"sentiment":"neutral","sentiment_score":0.17294612614547505},{"text":"It's a data that every super fund, every investment firm, every financial adviser always use, and that's what we essentially utilize.","start":808.46,"end":816.775,"sentiment":"neutral","sentiment_score":0.15815567101041475}],"sentiment":"neutral","sentiment_score":0.2705519336106425,"num_words":88,"start":786.53503,"end":816.775},{"sentences":[{"text":"But there is never a guarantee of a return.","start":816.775,"end":819.115,"sentiment":"neutral","sentiment_score":-0.1946567330095503},{"text":"And look at the bottom there, you can see the projected outcome between your current portfolio and the new one newer one that we are also recommending.","start":819.495,"end":826.715,"sentiment":"neutral","sentiment_score":0.13330805370653118},{"text":"But projection should always be taken with a grain of salt because, realistically, markets react differently.","start":827.37,"end":833.31,"sentiment":"neutral","sentiment_score":-0.13178877951577306},{"text":"We essentially have to use past data because we can't determine what markets are going to do in the future.","start":834.09,"end":839.93,"sentiment":"neutral","sentiment_score":-0.07367407940328122},{"text":"No one has a crystal ball, unfortunately.","start":839.93,"end":841.71,"sentiment":"neutral","sentiment_score":-0.32820868492126465}],"sentiment":"neutral","sentiment_score":-0.0510399493895754,"num_words":79,"start":816.775,"end":841.71},{"sentences":[{"text":"And so we have to use past data on how markets and portfolios have performed in the in the past to kinda generate what we expect or hope they can do in the future.","start":843.225,"end":851.885,"sentiment":"neutral","sentiment_score":-0.013841015560662044},{"text":"But there's never a guarantee involved there.","start":852.105,"end":854.585,"sentiment":"neutral","sentiment_score":-0.15862377839429037},{"text":"It is always up to so many factors with being your contributions going in.","start":854.585,"end":859.64,"sentiment":"neutral","sentiment_score":-0.030016709651265825},{"text":"It depends upon fees within the fund.","start":859.64,"end":861.56,"sentiment":"neutral","sentiment_score":0.010094271174498968},{"text":"It depends upon how individual investments perform.","start":861.56,"end":864.30005,"sentiment":"neutral","sentiment_score":0.025483021778719767}],"sentiment":"neutral","sentiment_score":-0.02539353423576424,"num_words":69,"start":843.225,"end":864.30005},{"sentences":[{"text":"It depends a lot of upon how investors actually feel as well because 90% of the market ups and downs is generated by investors' reactions to markets.","start":864.60004,"end":875.255,"sentiment":"neutral","sentiment_score":-0.19267503475701367},{"text":"You know, essentially, if someone sees Trump tweet something today, tomorrow, they could feel a bit nervous and start to sell off their portfolio.","start":876.11505,"end":884.79,"sentiment":"negative","sentiment_score":-0.3548168099174897},{"text":"When one person sees something selling, other people can see that selling, and then they also to jump on the same bandwagon.","start":885.17,"end":891.35,"sentiment":"neutral","sentiment_score":-0.11581870845773003},{"text":"So 90% of market reactions are solely and mostly because of human beings and their emotional reactions to what they're seeing and feeling.","start":891.57,"end":900.515,"sentiment":"neutral","sentiment_score":-0.1971746699317642},{"text":"Unfortunately, us as a species are very much an emotional species, but we have to use past data to kind of look at how markets and how portfolios can perform in the future.","start":900.97504,"end":912.1,"sentiment":"neutral","sentiment_score":-0.2081464653213819}],"sentiment":"neutral","sentiment_score":-0.21449373431446017,"num_words":129,"start":864.60004,"end":912.1},{"sentences":[{"text":"So this this portfolio that I wanna put you in has the sorry.","start":912.48,"end":916.4,"sentiment":"neutral","sentiment_score":0.11913657990785745},{"text":"It has the potential for greater future return as well as a lower cost portfolio.","start":916.4,"end":921.6,"sentiment":"positive","sentiment_score":0.4938270886739095},{"text":"So it is saving you in fees as well, which is a good thing.","start":921.6,"end":924.82,"sentiment":"positive","sentiment_score":0.7619185192244393},{"text":"Together, that can put you in a greater position over the next five to ten years.","start":925.685,"end":929.945,"sentiment":"positive","sentiment_score":0.7112365290522575},{"text":"But as I said before, there's no guarantees of doing so.","start":930.16504,"end":932.805,"sentiment":"neutral","sentiment_score":-0.10090007463639433}],"sentiment":"positive","sentiment_score":0.4332307939404163,"num_words":69,"start":912.48,"end":932.805},{"sentences":[{"text":"That's why as advisers, we review the portfolios with you on a regular basis to make sure that we can update them and that we can put you in, you know, into different investments when we need you to keep your super working harder for you.","start":932.805,"end":945.5,"sentiment":"neutral","sentiment_score":0.225910022287913},{"text":"Does that make sense?","start":947.48,"end":948.7,"sentiment":"neutral","sentiment_score":0.18881693296134472},{"text":"Not necessarily.","start":969.75,"end":970.49005,"sentiment":"neutral","sentiment_score":-0.07858818769454956},{"text":"So if you look at your super over the past sort of five years, you've got a 5% return.","start":970.87006,"end":975.51,"sentiment":"neutral","sentiment_score":0.04670442346679537},{"text":"Maybe one year, you've got a 10% return.","start":975.51,"end":977.75494,"sentiment":"neutral","sentiment_score":0.08025146182626486}],"sentiment":"neutral","sentiment_score":0.15847276104024693,"num_words":79,"start":932.805,"end":977.75494},{"sentences":[{"text":"Another year, there could have been a 15% return there in another year.","start":977.75494,"end":981.115,"sentiment":"neutral","sentiment_score":-0.027332958980248526},{"text":"So we do know that markets are gonna go up.","start":981.115,"end":983.19495,"sentiment":"neutral","sentiment_score":-0.0749385342001915},{"text":"They're gonna go down.","start":983.19495,"end":984.15497,"sentiment":"neutral","sentiment_score":-0.14962444454431534},{"text":"Some years, you can get a 20% return.","start":984.15497,"end":986.31494,"sentiment":"neutral","sentiment_score":-0.012863093987107277},{"text":"Some years, just a 10% return.","start":986.31494,"end":988.15497,"sentiment":"neutral","sentiment_score":-0.03893804301818212}],"sentiment":"neutral","sentiment_score":-0.04974986821776483,"num_words":41,"start":977.75494,"end":988.15497},{"sentences":[{"text":"Some years, a negative return.","start":988.15497,"end":989.915,"sentiment":"neutral","sentiment_score":-0.17483899593353272},{"text":"But it's also understanding that there are and there is the expectation that when markets are down, that you're gonna also have a negative return.","start":989.915,"end":997.01996,"sentiment":"neutral","sentiment_score":-0.3245252203941345},{"text":"And it's about making sure you're invested in a way that you can go through those downturns and not not have an emotional reaction, not sell your investments, and not withdraw money at that downtime, and allow your portfolio to go through that.","start":997.01996,"end":1012.005,"sentiment":"neutral","sentiment_score":-0.22613510628079259},{"text":"With the way you're invested currently is that you are in that growth environment.","start":1012.385,"end":1016.805,"sentiment":"neutral","sentiment_score":0.11271938096199717},{"text":"So it does generally see 80% of your super invested in growth assets, assets.","start":1017.185,"end":1022.04,"sentiment":"neutral","sentiment_score":0.17127272060939244}],"sentiment":"neutral","sentiment_score":-0.1458935211643134,"num_words":101,"start":988.15497,"end":1022.04},{"sentences":[{"text":"So things like Australian shares, international shares, listed property, and commodities like gold and silver.","start":1022.04,"end":1028.38,"sentiment":"neutral","sentiment_score":0.02986669304470221},{"text":"You are taking on a bit more risk to be in that kind of environment, so you are gonna feel the ups and the downs.","start":1028.6,"end":1033.9,"sentiment":"neutral","sentiment_score":-0.2105235868692398},{"text":"The other side of that is that that sort of 5% return you're looking at within hub twenty four, there a lot of that has been sort of held back because of one of your investments as we kinda went through last time.","start":1034.295,"end":1044.6151,"sentiment":"neutral","sentiment_score":-0.2334442277287328},{"text":"You've got the Benelon Australian Equities in there.","start":1044.6151,"end":1047.27,"sentiment":"neutral","sentiment_score":-0.2239975482225418},{"text":"That investment has had quite a severe downtime, and we are looking to remove that as part of this, make sure that we can move you out of those sorts of investments and keep you in a portfolio that is working harder for you essentially as well.","start":1047.67,"end":1060.47,"sentiment":"neutral","sentiment_score":-0.23409828733890614}],"sentiment":"neutral","sentiment_score":-0.20034631129786157,"num_words":138,"start":1022.04,"end":1060.47},{"sentences":[{"text":"So that's in the process.","start":1060.47,"end":1064.975,"sentiment":"neutral","sentiment_score":-0.05025893673300743},{"text":"Yeah.","start":1065.275,"end":1065.775,"sentiment":"neutral","sentiment_score":-0.0033536702394485474},{"text":"Yeah.","start":1078.38,"end":1078.88,"sentiment":"neutral","sentiment_score":-0.015789557248353958},{"text":"Correct.","start":1079.34,"end":1079.84,"sentiment":"neutral","sentiment_score":-0.0007981564849615097},{"text":"Yeah.","start":1080.7,"end":1081.2,"sentiment":"neutral","sentiment_score":-0.03105885535478592}],"sentiment":"neutral","sentiment_score":-0.03358832477695412,"num_words":9,"start":1060.47,"end":1081.2},{"sentences":[{"text":"Yeah.","start":1091.26,"end":1091.595,"sentiment":"neutral","sentiment_score":-0.004353756085038185},{"text":"Mhmm.","start":1110.8099,"end":1111.3099,"sentiment":"neutral","sentiment_score":-0.060257501900196075},{"text":"No.","start":1126.855,"end":1127.255,"sentiment":"neutral","sentiment_score":-0.26503095030784607},{"text":"Not mhmm.","start":1127.255,"end":1140.9701,"sentiment":"neutral","sentiment_score":-0.12958346167579293},{"text":"Yes.","start":1142.4701,"end":1142.87,"sentiment":"neutral","sentiment_score":0.08882319927215576}],"sentiment":"neutral","sentiment_score":-0.08333098872875173,"num_words":6,"start":1091.26,"end":1142.87},{"sentences":[{"text":"So most funds do pay dividends.","start":1142.87,"end":1145.2101,"sentiment":"neutral","sentiment_score":0.1559146667520205},{"text":"Are you sort of talking about the funds that pay higher dividends?","start":1145.595,"end":1148.655,"sentiment":"neutral","sentiment_score":0.03682324352363745},{"text":"Mhmm.","start":1150.715,"end":1151.115,"sentiment":"neutral","sentiment_score":0.034553226083517075},{"text":"Yeah.","start":1151.115,"end":1151.355,"sentiment":"neutral","sentiment_score":0.0730222761631012},{"text":"So dividends are not a requirement for any fund.","start":1151.355,"end":1154.1749,"sentiment":"neutral","sentiment_score":0.025147843692037795}],"sentiment":"neutral","sentiment_score":0.05900941442312865,"num_words":29,"start":1142.87,"end":1154.1749},{"sentences":[{"text":"Most ETFs and investments do pay out dividends, but not all of them do.","start":1154.235,"end":1159.775,"sentiment":"neutral","sentiment_score":0.08248000246073518},{"text":"Essentially, they are generated by the underlying companies.","start":1160.4801,"end":1163.36,"sentiment":"neutral","sentiment_score":0.05562981124967337},{"text":"And if underlying companies don't have good years, then there's no guarantees that dividends are gonna be paid out.","start":1163.36,"end":1169.68,"sentiment":"neutral","sentiment_score":-0.06036304329570971},{"text":"But majority of the funds that we put you in ETFs do actually pay out dividends, and that it's considered income in the portfolio, which is then reinvested back into your portfolio for the compounding effect.","start":1169.68,"end":1181.905,"sentiment":"neutral","sentiment_score":0.19733009383910233},{"text":"It's no.","start":1188.045,"end":1189.4601,"sentiment":"negative","sentiment_score":-0.3634554594755173}],"sentiment":"neutral","sentiment_score":0.08645358431754233,"num_words":79,"start":1154.235,"end":1189.4601},{"sentences":[{"text":"You're in a growth fund.","start":1189.4601,"end":1190.74,"sentiment":"neutral","sentiment_score":-0.1658293515443802},{"text":"So the idea is when you think about risk out of a level between, say, one and five, five being the highest level of risk and maybe one being the lowest or sitting in cash, you're realistically sitting at about a three.","start":1190.74,"end":1202.645,"sentiment":"neutral","sentiment_score":-0.09164272000392278},{"text":"So you're kind of mid range there, but I wouldn't put it as conservative.","start":1202.645,"end":1206.025,"sentiment":"neutral","sentiment_score":-0.14251836176429475},{"text":"You are 80% invested in those growth assets, so you are taking on a bit more risk in the market to try and get greater potential returns.","start":1206.1649,"end":1213.7849,"sentiment":"neutral","sentiment_score":-0.020873164689099347},{"text":"Realistically, this sort of environment suits someone who's about six years away from or at least six years away from accessing their super.","start":1214.73,"end":1223.31,"sentiment":"neutral","sentiment_score":0.017199459931124813}],"sentiment":"neutral","sentiment_score":-0.061634107484473837,"num_words":111,"start":1189.4601,"end":1223.31},{"sentences":[{"text":"So you've got that time horizon ahead of you still currently.","start":1223.37,"end":1226.59,"sentiment":"neutral","sentiment_score":0.09693161669102582},{"text":"When you are sort of within that six years, I would be definitely recommending that we reduce the risk level somewhat.","start":1227.465,"end":1233.165,"sentiment":"neutral","sentiment_score":0.13818300834723882},{"text":"But the other side of that is with your goals.","start":1233.545,"end":1235.465,"sentiment":"neutral","sentiment_score":0.022706494852900504},{"text":"So you're sort of wanting to access super at around about the age of 60.","start":1235.465,"end":1239.165,"sentiment":"neutral","sentiment_score":0.13892874519030254},{"text":"And your goal income in that time frame, I believe, was about $1,500 per week.","start":1239.6,"end":1244.58,"sentiment":"neutral","sentiment_score":0.08576814184586207}],"sentiment":"neutral","sentiment_score":0.10507790573562185,"num_words":72,"start":1223.37,"end":1244.58},{"sentences":[{"text":"And so, realistically, with your balance at the moment, we need to either get a bit more growth or consider putting more funds in the super.","start":1244.72,"end":1252.26,"sentiment":"neutral","sentiment_score":0.072458805086521},{"text":"I am also recommending as per our last conversation that you do salary sacrifice $50 per month, which is more your comfort level.","start":1252.485,"end":1260.405,"sentiment":"neutral","sentiment_score":0.24089453401772873},{"text":"It works at about $12.50 per week.","start":1260.405,"end":1263.225,"sentiment":"positive","sentiment_score":0.3527064919471741},{"text":"I'm putting that into super to kind of provide a bit more of a boost to it.","start":1263.605,"end":1267.5599,"sentiment":"positive","sentiment_score":0.5910301138372982},{"text":"Because, realistically, given the current balance you have and the amount of, you know, how it has kinda grown and with the limited amount of contributions going into the fund, over the next sort of five to ten years and even thirteen years towards your retirement goal at the age of 60, as you can see by the projection table there, it's under the current scenario projected to be around 377,000 under the recommended about 398,000.","start":1268.02,"end":1297.23,"sentiment":"neutral","sentiment_score":0.1114505065335451}],"sentiment":"neutral","sentiment_score":0.1906791885239666,"num_words":149,"start":1244.72,"end":1297.23},{"sentences":[{"text":"So, realistically, that's a little bit low for where you should be based on your goal.","start":1297.2899,"end":1303.0499,"sentiment":"neutral","sentiment_score":-0.16879693511873484},{"text":"It does mean that if you draw out $1,500 per week from your super, your super is not gonna last as long as what you would sorta hope it to be.","start":1303.0499,"end":1312.405,"sentiment":"neutral","sentiment_score":-0.281222895268471},{"text":"And it means that sort of you eventually may have to rely on, you know, the age pension if you're eligible for that down the track.","start":1312.545,"end":1319.505,"sentiment":"neutral","sentiment_score":-0.09500119541413508},{"text":"So it's about looking at ways to boost your super as much as possible within the limitations that we have.","start":1319.505,"end":1325.63,"sentiment":"neutral","sentiment_score":0.29808175936341286},{"text":"It is.","start":1337.945,"end":1338.6849,"sentiment":"neutral","sentiment_score":0.1784427911043167}],"sentiment":"neutral","sentiment_score":-0.07968601080539979,"num_words":95,"start":1297.2899,"end":1338.6849},{"sentences":[{"text":"Yeah.","start":1338.745,"end":1338.985,"sentiment":"neutral","sentiment_score":0.14614610373973846},{"text":"That's including the recommended $50 per month.","start":1338.985,"end":1341.965,"sentiment":"neutral","sentiment_score":0.0853808947971889},{"text":"Yeah.","start":1342.025,"end":1342.525,"sentiment":"neutral","sentiment_score":-0.004335738718509674},{"text":"If you choose not to do so, that's honestly okay.","start":1346.52,"end":1349.18,"sentiment":"neutral","sentiment_score":-0.25451198890805243},{"text":"But my concern is that without sort of increasing contributions in and I know you've got a lot going on too, so it may not be that you're able to.","start":1349.5599,"end":1357.635,"sentiment":"neutral","sentiment_score":-0.32510770907004677}],"sentiment":"neutral","sentiment_score":-0.2358953986240893,"num_words":49,"start":1338.745,"end":1357.635},{"sentences":[{"text":"But with our last conversation there last time, it was just about what your comfort level was to be able to add to your super to kinda build on that a little bit.","start":1358.035,"end":1366.295,"sentiment":"neutral","sentiment_score":0.2224399122324857},{"text":"But I do have a bit of a concern that if you're, you know, you get to age 60 and are wanting to draw out the income that you are with the way we have things invested in super.","start":1366.995,"end":1377.1901,"sentiment":"neutral","sentiment_score":-0.25504472335943806},{"text":"So when you actually do retire, we would not wanna see you in that growth kind of environment.","start":1377.41,"end":1382.23,"sentiment":"negative","sentiment_score":-0.43861303726832074},{"text":"We would wanna see you in more of a conservative environment, which is less of those growth assets and more income producing assets.","start":1382.29,"end":1389.545,"sentiment":"neutral","sentiment_score":-0.2168000560739766},{"text":"So you're looking at things like cash, bonds, and fixed interest.","start":1389.545,"end":1392.605,"sentiment":"neutral","sentiment_score":-0.017789748581972988}],"sentiment":"neutral","sentiment_score":-0.1264786314699919,"num_words":124,"start":1358.035,"end":1392.605},{"sentences":[{"text":"Those sorts of investments are and do generate lower rates of returns than your current portfolio can and would.","start":1392.905,"end":1400.125,"sentiment":"neutral","sentiment_score":-0.1413389232597853},{"text":"In generally, when we're looking at conservative projections in retirement, we wouldn't sort of expect more than, say, a five or 6% return on an annual basis compounding that forward.","start":1401.51,"end":1411.3701,"sentiment":"neutral","sentiment_score":-0.1370280998448531},{"text":"So it does mean that when you are drawing larger sums of money on a weekly basis to cover your retirement, that you are, you know, easing into your capital when your returns are much lower.","start":1411.5901,"end":1423.105,"sentiment":"neutral","sentiment_score":-0.14894786270128357},{"text":"Being in that kinda conservative environment in the retirement years means that we are hoping to generate as much income as possible to help your draw downs, but it's not always guaranteed, and it's still dependent on markets.","start":1423.645,"end":1435.7999,"sentiment":"neutral","sentiment_score":-0.21774857510861598},{"text":"You are still invested in markets, and markets still go up and down.","start":1435.7999,"end":1439.1599,"sentiment":"negative","sentiment_score":-0.3588545872614934}],"sentiment":"neutral","sentiment_score":-0.1845438314930481,"num_words":136,"start":1392.905,"end":1439.1599},{"sentences":[{"text":"And even defensive investments, while they still don't see the greater ups and downs that the higher level of risk or the shares do, they still are impacted by inflation.","start":1439.1599,"end":1449.835,"sentiment":"negative","sentiment_score":-0.36856107811133065},{"text":"They still are impacted by market ups and downs, essentially.","start":1449.895,"end":1453.0349,"sentiment":"negative","sentiment_score":-0.4090789794921875},{"text":"Does that all make sense?","start":1453.4149,"end":1454.715,"sentiment":"neutral","sentiment_score":-0.1850884348154068},{"text":"Yeah.","start":1456.615,"end":1457.115,"sentiment":"neutral","sentiment_score":0.012999676167964935},{"text":"So whilst this is not perfect, and I fully get that, it's about trying to adjust the portfolio as much as possible so that we can hopefully lower fees for you, keep more money invested in your portfolio working a little bit harder, and maybe also alter the investments so that you're invested in a portfolio that can generate greater returns.","start":1460.39,"end":1480.235,"sentiment":"neutral","sentiment_score":0.14740677717615103}],"sentiment":"neutral","sentiment_score":-0.06605842269556685,"num_words":107,"start":1439.1599,"end":1480.235},{"sentences":[{"text":"Admittedly, I'm honest, and I'll tell you upfront, there's no guarantees that this is going to generate greater returns.","start":1480.9349,"end":1486.455,"sentiment":"neutral","sentiment_score":-0.09202654517598842},{"text":"There's always a risk with that.","start":1486.455,"end":1488.1549,"sentiment":"negative","sentiment_score":-0.36655113101005554},{"text":"But part of having financial advisers is that we can review that with you at review time.","start":1488.77,"end":1493.6699,"sentiment":"neutral","sentiment_score":0.16464952204157324},{"text":"I'd like to do a bit of a catch up with you in six months.","start":1494.0499,"end":1496.37,"sentiment":"neutral","sentiment_score":0.18363855630159379},{"text":"If you take the recommendations and we make the switch into the newer portfolio, we can do a review maybe in six months' time, see how it's performing, how your how it's working in your super for you.","start":1496.37,"end":1508.665,"sentiment":"neutral","sentiment_score":0.23869202011509946}],"sentiment":"neutral","sentiment_score":0.11238006146526651,"num_words":95,"start":1480.9349,"end":1508.665},{"sentences":[{"text":"And if it's not working, then we look at what else to do so we can continuously keep working and building on it and, you know, adjusting the super as we need to.","start":1508.725,"end":1517.96,"sentiment":"neutral","sentiment_score":0.11342318006085628},{"text":"I think one of the biggest things to sort of note is that investments that might have been good about four or five years ago within your super may not be the same or may not be working as much now.","start":1517.96,"end":1528.78,"sentiment":"neutral","sentiment_score":-0.24725110356400654},{"text":"It's also about readjusting and realigning your portfolio.","start":1528.875,"end":1532.575,"sentiment":"neutral","sentiment_score":-0.030246841488406062},{"text":"So we also do and I have recommended as part of it that we do also a rebalancing because different investments grow at different rates.","start":1532.715,"end":1541.195,"sentiment":"neutral","sentiment_score":0.0910637691617012},{"text":"So if, for example, you were recommended to say, gold and then a couple of shares or at 10% each, depending on the different market reactions, one of those shares might go down, the other one might go up, and the other one, you know, the gold might go up by 20% more.","start":1541.195,"end":1557.29,"sentiment":"neutral","sentiment_score":-0.048596810162910876}],"sentiment":"neutral","sentiment_score":-0.043345885910093786,"num_words":160,"start":1508.725,"end":1557.29},{"sentences":[{"text":"So you end up increasing your risk level with the difference in the ups and downs in the share market.","start":1557.29,"end":1564.055,"sentiment":"neutral","sentiment_score":-0.27194384634494784},{"text":"And so rebalancing your portfolio helps to sell some of the investments that have grown at a faster rate than others.","start":1564.5951,"end":1571.4751,"sentiment":"neutral","sentiment_score":0.16389006766534986},{"text":"It helps to, you know, redistribute growth back into other areas of the portfolio, and we buy into certain areas where there might not have been as much growth as well.","start":1571.4751,"end":1581.9199,"sentiment":"neutral","sentiment_score":0.13257126846621115},{"text":"So this is about rebalancing things, readjusting the portfolio.","start":1581.9199,"end":1585.905,"sentiment":"neutral","sentiment_score":0.15028928385840523},{"text":"But as I said, there's no guarantees, and I'll be very upfront with you about that.","start":1585.905,"end":1590.245,"sentiment":"neutral","sentiment_score":0.05710852472111583}],"sentiment":"neutral","sentiment_score":0.04514292543081893,"num_words":97,"start":1557.29,"end":1590.245},{"sentences":[{"text":"Yeah.","start":1593.1051,"end":1593.6051,"sentiment":"neutral","sentiment_score":0.05520607531070709},{"text":"Yeah.","start":1598.63,"end":1598.95,"sentiment":"neutral","sentiment_score":-0.00458936020731926},{"text":"When you consider risk out of between between one and five, you're sitting at a risk level of about a three.","start":1598.95,"end":1604.23,"sentiment":"neutral","sentiment_score":-0.11854050237508047},{"text":"Yeah.","start":1604.23,"end":1604.73,"sentiment":"neutral","sentiment_score":0.01235613226890564},{"text":"Well, number four would be high growth, so you would see 90% of your super invested in those growth assets.","start":1609.19,"end":1615.465,"sentiment":"neutral","sentiment_score":0.04443254061043263}],"sentiment":"neutral","sentiment_score":-0.03494833841581236,"num_words":44,"start":1593.1051,"end":1615.465},{"sentences":[{"text":"And then if you think about number five, you're going up to an aggressive portfolio, which is a 100% invested in the higher risk sort of growth assets and no defensive investments there.","start":1615.9249,"end":1626.98,"sentiment":"neutral","sentiment_score":-0.0854484336168477},{"text":"So that's increasing your risk level.","start":1626.98,"end":1628.9199,"sentiment":"negative","sentiment_score":-0.41860376795132953},{"text":"You can look at increasing that if you want, but then you're also increasing the risk of going through a downtime.","start":1629.5399,"end":1635.24,"sentiment":"negative","sentiment_score":-0.4263742637066614},{"text":"So the the possibility of greater returns are there, but there's also the risk of having more of a downturn more regularly and feeling that.","start":1635.5399,"end":1644.785,"sentiment":"negative","sentiment_score":-0.4508105897903442},{"text":"Whenever you take on risk, you consider the risk that you you consider the possibility of good possible returns, but then also the risk of the returns might be lower or that you might feel that downtime just as much.","start":1646.845,"end":1659.79,"sentiment":"negative","sentiment_score":-0.3393275037407875}],"sentiment":"neutral","sentiment_score":-0.31302916279435156,"num_words":125,"start":1615.9249,"end":1659.79},{"sentences":[{"text":"Yeah.","start":1662.25,"end":1662.75,"sentiment":"neutral","sentiment_score":0.00040091201663017273},{"text":"Does that all make sense so far?","start":1662.825,"end":1667.225,"sentiment":"neutral","sentiment_score":0.03909725083836487},{"text":"There's a lot to think about, isn't there?","start":1667.225,"end":1669.1649,"sentiment":"neutral","sentiment_score":-0.07828854583203793},{"text":"Yep.","start":1681.37,"end":1681.6901,"sentiment":"neutral","sentiment_score":0.0373404324054718},{"text":"Your projection table.","start":1681.6901,"end":1682.91,"sentiment":"neutral","sentiment_score":0.03212805154422919}],"sentiment":"neutral","sentiment_score":-0.010925105586647988,"num_words":20,"start":1662.25,"end":1682.91},{"sentences":[{"text":"Yeah.","start":1683.2101,"end":1683.7101,"sentiment":"neutral","sentiment_score":0.06374624371528625},{"text":"Mhmm.","start":1688.89,"end":1689.39,"sentiment":"neutral","sentiment_score":-0.00444019865244627},{"text":"The projection table no.","start":1691.775,"end":1693.375,"sentiment":"neutral","sentiment_score":-0.06288529513403773},{"text":"The projection table is projects everything from the top table.","start":1693.375,"end":1696.8151,"sentiment":"neutral","sentiment_score":-0.025550708547234534},{"text":"So your current balance is noted in the fee comparison table, the very top one at the top where it's got balance.","start":1696.8151,"end":1703.135,"sentiment":"neutral","sentiment_score":0.01718182311477986}],"sentiment":"neutral","sentiment_score":-0.001835318747907877,"num_words":38,"start":1683.2101,"end":1703.135},{"sentences":[{"text":"So that's your current balance now is in the current side of that.","start":1703.135,"end":1706.67,"sentiment":"neutral","sentiment_score":0.023185771961624805},{"text":"The recommend yeah.","start":1706.91,"end":1709.0701,"sentiment":"neutral","sentiment_score":0.06624247133731842},{"text":"The recommended will be after the capital gains consequences or after the capital gains tax has been taken into account for the investment switch for you.","start":1709.0701,"end":1717.9701,"sentiment":"neutral","sentiment_score":0.05139596588336504},{"text":"Mhmm.","start":1722.345,"end":1722.845,"sentiment":"neutral","sentiment_score":0.07966482639312744},{"text":"Yep.","start":1728.345,"end":1728.845,"sentiment":"neutral","sentiment_score":0.124160073697567}],"sentiment":"neutral","sentiment_score":0.046369601422074164,"num_words":44,"start":1703.135,"end":1728.845},{"sentences":[{"text":"Based on all the information above.","start":1728.905,"end":1730.825,"sentiment":"neutral","sentiment_score":0.126865370819966},{"text":"Correct.","start":1730.825,"end":1731.325,"sentiment":"neutral","sentiment_score":0.1736002415418625},{"text":"Mhmm.","start":1740.12,"end":1740.62,"sentiment":"neutral","sentiment_score":0.04913808032870293},{"text":"That's correct.","start":1741.0,"end":1741.7999,"sentiment":"neutral","sentiment_score":0.13697514683008194},{"text":"Yeah.","start":1741.7999,"end":1742.2999,"sentiment":"neutral","sentiment_score":0.09362245351076126}],"sentiment":"neutral","sentiment_score":0.12286393581466241,"num_words":11,"start":1728.905,"end":1742.2999},{"sentences":[{"text":"Mhmm.","start":1750.455,"end":1750.955,"sentiment":"neutral","sentiment_score":0.0024733268655836582},{"text":"Mhmm.","start":1753.415,"end":1753.915,"sentiment":"neutral","sentiment_score":0.003750104922801256},{"text":"Yeah.","start":1754.135,"end":1754.535,"sentiment":"neutral","sentiment_score":0.010534973815083504},{"text":"Yeah.","start":1754.535,"end":1755.015,"sentiment":"neutral","sentiment_score":0.018871750682592392},{"text":"And, look, they are very minor differences, but it's also taking to account that you have a lot going on.","start":1755.015,"end":1760.37,"sentiment":"neutral","sentiment_score":0.022146772826090455}],"sentiment":"neutral","sentiment_score":0.01994023386699458,"num_words":24,"start":1750.455,"end":1760.37},{"sentences":[{"text":"You are on a part income protection claim, so you're not working as many hours.","start":1760.37,"end":1764.05,"sentiment":"neutral","sentiment_score":-0.045954545587301256},{"text":"And think of your super fund like your vehicle.","start":1764.05,"end":1766.77,"sentiment":"neutral","sentiment_score":0.06759321772389942},{"text":"It's like a car, really.","start":1766.77,"end":1768.13,"sentiment":"neutral","sentiment_score":0.11424564123153687},{"text":"It's essentially, the super fund is where the funds go in to be held.","start":1768.13,"end":1771.51,"sentiment":"neutral","sentiment_score":0.12370513964976583},{"text":"But what actually drives the growth and what makes the super work is the underlying investments and your contributions, and that's essentially the fuel.","start":1772.505,"end":1781.485,"sentiment":"neutral","sentiment_score":0.22402252536267042}],"sentiment":"neutral","sentiment_score":0.11341285889050853,"num_words":67,"start":1760.37,"end":1781.485},{"sentences":[{"text":"They work together to kind of, you know, your contributions going in as a set of capital that's going in and being invested, but then you've also got growth and income coming out of it.","start":1781.785,"end":1792.52,"sentiment":"neutral","sentiment_score":0.20137889044625418},{"text":"To not have any additional contributions or no contributions going in is gonna limit the amount of growth that you have there.","start":1793.2999,"end":1799.5399,"sentiment":"neutral","sentiment_score":-0.21777636219154706},{"text":"So the growth and the contributions do work in unison.","start":1799.5399,"end":1803.3451,"sentiment":"positive","sentiment_score":0.4026342794299126},{"text":"They are they do complement each other to help make your super work harder and grow more.","start":1803.405,"end":1808.305,"sentiment":"positive","sentiment_score":0.563642705188078},{"text":"But it's you know, without those, your super can only do so much.","start":1809.3251,"end":1813.5651,"sentiment":"neutral","sentiment_score":-0.12423099090273564}],"sentiment":"neutral","sentiment_score":0.14691182575428607,"num_words":97,"start":1781.785,"end":1813.5651},{"sentences":[{"text":"Investments can only be expected to do so much, essentially.","start":1813.5651,"end":1816.51,"sentiment":"neutral","sentiment_score":-0.046980294957757},{"text":"But the actual super fund itself is just the investment vehicle.","start":1817.37,"end":1820.51,"sentiment":"neutral","sentiment_score":0.044347347860986534},{"text":"It's all about the underlying investments and getting the growth and the income there.","start":1820.65,"end":1824.75,"sentiment":"neutral","sentiment_score":0.13629974850586482},{"text":"The other thing to consider is that smaller amounts of growth, have a different effect.","start":1824.8099,"end":1829.625,"sentiment":"neutral","sentiment_score":-0.03789894158641497},{"text":"So if you think about someone with a $50,000 balance, getting a 5% return is one thing.","start":1829.625,"end":1836.045,"sentiment":"neutral","sentiment_score":0.0392851496444029}],"sentiment":"neutral","sentiment_score":0.030232504121403197,"num_words":67,"start":1813.5651,"end":1836.045},{"sentences":[{"text":"That same person having a $500,000 balance and getting a 5% return, that same 5% return has a much greater effect.","start":1836.185,"end":1845.005,"sentiment":"neutral","sentiment_score":0.18361312328349977},{"text":"So as your super grows and grows and it gets a two, three, or five, or 10% return, that is gonna have a greater effect down the track when your super balance is higher rather than it probably would or feel like it would now.","start":1845.38,"end":1859.0,"sentiment":"neutral","sentiment_score":0.21328342590067123},{"text":"So the compounding effect takes into play, and you end up with great smaller returns have a much bigger effect on the higher balance, essentially.","start":1859.2201,"end":1867.2849,"sentiment":"neutral","sentiment_score":0.2839632934331894},{"text":"Mhmm.","start":1872.865,"end":1873.365,"sentiment":"neutral","sentiment_score":-0.030104663223028183},{"text":"Yeah.","start":1878.66,"end":1878.98,"sentiment":"neutral","sentiment_score":0.013044092804193497}],"sentiment":"neutral","sentiment_score":0.22081345720316775,"num_words":93,"start":1836.185,"end":1878.98},{"sentences":[{"text":"I could always do that projection for you, but one of the things that we did talk about was how you invested.","start":1878.98,"end":1883.96,"sentiment":"neutral","sentiment_score":0.03817455374519341},{"text":"So with your annual review, we're happy to stay with stay in that kind of environment with that 80% split.","start":1884.18,"end":1895.045,"sentiment":"positive","sentiment_score":0.49474012702703474},{"text":"You if you wanna look at maybe increasing your risk, you absolutely can.","start":1895.905,"end":1900.22,"sentiment":"neutral","sentiment_score":0.20287826084173644},{"text":"It is up to your prerogative.","start":1900.28,"end":1901.66,"sentiment":"neutral","sentiment_score":0.27029767632484436},{"text":"A high growth investor is suit all that sort of portfolio is suited to someone who has at least eight years before they're willing to access their super.","start":1901.96,"end":1909.58,"sentiment":"neutral","sentiment_score":0.2226864786020347}],"sentiment":"neutral","sentiment_score":0.23852884913127598,"num_words":89,"start":1878.98,"end":1909.58},{"sentences":[{"text":"It does still suit your time horizon.","start":1909.8,"end":1911.8201,"sentiment":"positive","sentiment_score":0.42569743735449656},{"text":"I could always do the projection as an alternative for you if you like.","start":1912.12,"end":1915.9249,"sentiment":"neutral","sentiment_score":0.24434204080275126},{"text":"If you decide you wanted to take that, that's absolutely fine, but you are taking on a higher level of risk to do so.","start":1916.385,"end":1922.565,"sentiment":"neutral","sentiment_score":-0.2002168015266458},{"text":"Yep.","start":1929.505,"end":1930.005,"sentiment":"neutral","sentiment_score":0.0360669270157814},{"text":"No.","start":1933.3999,"end":1933.6399,"sentiment":"neutral","sentiment_score":-0.015166334807872772}],"sentiment":"neutral","sentiment_score":0.03439080826145537,"num_words":47,"start":1909.8,"end":1933.6399},{"sentences":[{"text":"So it's cash, bonds, and fixed interest.","start":1933.6399,"end":1935.82,"sentiment":"neutral","sentiment_score":-0.0005059497697012765},{"text":"In this case, it'll be basically bonds.","start":1935.88,"end":1938.62,"sentiment":"neutral","sentiment_score":0.0037010276157941136},{"text":"Yeah.","start":1940.76,"end":1941.26,"sentiment":"neutral","sentiment_score":0.023329591378569603},{"text":"Yep.","start":1943.72,"end":1944.22,"sentiment":"neutral","sentiment_score":0.041282035410404205},{"text":"As as an average.","start":1946.235,"end":1947.695,"sentiment":"neutral","sentiment_score":0.031500390730798244}],"sentiment":"neutral","sentiment_score":0.010648936731740832,"num_words":20,"start":1933.6399,"end":1947.695},{"sentences":[{"text":"So with this portfolio yeah.","start":1947.995,"end":1949.995,"sentiment":"neutral","sentiment_score":0.042579029500484464},{"text":"So as an average so with this portfolio, the way it's recommended there, you'll actually see about if you look on page number 27, you'll see the asset allocation table for you.","start":1949.995,"end":1958.2549,"sentiment":"neutral","sentiment_score":0.06260864937212318},{"text":"Asset allocation table for you.","start":1959.18,"end":1964.0801,"sentiment":"neutral","sentiment_score":0.0373593520373106},{"text":"Yeah.","start":1965.18,"end":1965.68,"sentiment":"neutral","sentiment_score":0.06926968693733215},{"text":"Yep.","start":1969.3401,"end":1969.7401,"sentiment":"neutral","sentiment_score":0.08042505383491516}],"sentiment":"neutral","sentiment_score":0.058019623372026465,"num_words":44,"start":1947.995,"end":1969.7401},{"sentences":[{"text":"So you've got the asset allocation table there, and the first column is the different types of assets that are seen as growth and defensive assets.","start":1969.7401,"end":1976.825,"sentiment":"neutral","sentiment_score":0.05047722791249935},{"text":"The second one there is the risk profile as a percentage.","start":1977.125,"end":1980.1849,"sentiment":"neutral","sentiment_score":0.021317873150110245},{"text":"So your sort of risk profile sees that eighty twenty split in your existing portfolio.","start":1980.405,"end":1986.1849,"sentiment":"neutral","sentiment_score":0.005388653899232546},{"text":"You've got about 86.84% in those growth assets and about 13.16% in the defensive investments.","start":1986.405,"end":1993.88,"sentiment":"neutral","sentiment_score":0.03933175280690193},{"text":"By making the changes and the switch to the newer portfolio, you'd see 86 invested in the growth assets, and we're just increasing the defensive exposure just a little bit there.","start":1994.9,"end":2006.035,"sentiment":"neutral","sentiment_score":0.053060344630672086}],"sentiment":"neutral","sentiment_score":0.039414095046112735,"num_words":98,"start":1969.7401,"end":2006.035},{"sentences":[{"text":"So that's essentially where you would see that exposure sitting.","start":2008.735,"end":2012.015,"sentiment":"neutral","sentiment_score":0.05930199734866619},{"text":"It's just outside of that eighty twenty split just because when you think about the buy price of investments, it's discrepancy.","start":2012.015,"end":2021.34,"sentiment":"neutral","sentiment_score":-0.0978047786546605},{"text":"So within that growth portfolio, we still allow for about a 10% discrepancy or variance in the risk profile.","start":2021.7999,"end":2030.38,"sentiment":"neutral","sentiment_score":-0.02772513747607407},{"text":"Yeah.","start":2036.5751,"end":2037.055,"sentiment":"neutral","sentiment_score":0.0010023973882198334},{"text":"Yep.","start":2037.055,"end":2037.4551,"sentiment":"neutral","sentiment_score":0.09330351650714874}],"sentiment":"neutral","sentiment_score":-0.036410616854062446,"num_words":52,"start":2008.735,"end":2037.4551},{"sentences":[{"text":"And it's performed a lot better in the past.","start":2037.4551,"end":2039.775,"sentiment":"neutral","sentiment_score":0.33132358226511216},{"text":"Yeah.","start":2039.775,"end":2040.255,"sentiment":"neutral","sentiment_score":0.1848456114530563},{"text":"And it's cheaper.","start":2040.255,"end":2041.235,"sentiment":"neutral","sentiment_score":0.2479972392320633},{"text":"And to give you a little bit, like, further context there, so with the current cash you have in your portfolio, at the moment, the amount of cash sitting in the cash account is a little over $5,789.","start":2056.715,"end":2067.7751,"sentiment":"neutral","sentiment_score":0.03756665379593247},{"text":"So, realistically, you've got about 3.06% cash in your super fund.","start":2068.44,"end":2073.64,"sentiment":"neutral","sentiment_score":0.012201915749094704}],"sentiment":"neutral","sentiment_score":0.08826618527452793,"num_words":62,"start":2037.4551,"end":2073.64},{"sentences":[{"text":"We only really wanna hold about 1%.","start":2073.64,"end":2075.82,"sentiment":"neutral","sentiment_score":-0.033302154791142256},{"text":"So it also means that you're holding a little bit much cash at the moment, so we're reinvesting that into the portfolio there for you.","start":2076.1199,"end":2082.7,"sentiment":"neutral","sentiment_score":0.017914692237973213},{"text":"If you have a look at page number 25, it essentially shows you what we'll be buying and selling as a whole to kind of alter the portfolio.","start":2083.685,"end":2093.385,"sentiment":"neutral","sentiment_score":0.023507443256676197},{"text":"Yeah.","start":2100.55,"end":2101.05,"sentiment":"neutral","sentiment_score":0.019836395978927612},{"text":"So, essentially, selling off and rebalancing some of the global tech, selling off all of the Asia, just rebalancing back the beta shares Australian 200.","start":2101.11,"end":2112.8901,"sentiment":"neutral","sentiment_score":-0.008495853804051877}],"sentiment":"neutral","sentiment_score":0.007911635865998823,"num_words":86,"start":2073.64,"end":2112.8901},{"sentences":[{"text":"The battery and lithium tech will be selling all of, and the BetaShares hacks as cybersecurity, that'll be reduced down to 5%.","start":2113.605,"end":2122.325,"sentiment":"neutral","sentiment_score":0.032648283818906006},{"text":"So we're just selling a little bit of that.","start":2122.325,"end":2124.345,"sentiment":"neutral","sentiment_score":0.06214472237560484},{"text":"We'll be buying into the European exposures.","start":2125.125,"end":2127.785,"sentiment":"neutral","sentiment_score":0.10672836644308907},{"text":"This is giving you access to all 16 European countries.","start":2127.845,"end":2131.2302,"sentiment":"neutral","sentiment_score":0.12389033734798431},{"text":"So one of the big things that's really important with helping to even though you want, you know, good returns and you want to take a bit of risk, it's still important to try and reduce as much risk as humanly possible.","start":2131.2302,"end":2142.7952,"sentiment":"neutral","sentiment_score":0.08743474437367349}],"sentiment":"neutral","sentiment_score":0.07706473275191254,"num_words":90,"start":2113.605,"end":2142.7952},{"sentences":[{"text":"So one of the ways we do that is to diversify, and that is investing in different asset classes, different industries, and different countries as well.","start":2142.935,"end":2152.5552,"sentiment":"neutral","sentiment_score":0.1013635305257944},{"text":"So this investment portfolio with the iShares Europe there, that's the one, two, three, four, five, six, one down, that's essentially giving you exposure to all 16 European countries there.","start":2152.855,"end":2166.2898,"sentiment":"neutral","sentiment_score":0.08583197966217995},{"text":"And so we'll hold about 8% of that one.","start":2167.0698,"end":2170.0498,"sentiment":"neutral","sentiment_score":0.09300451394584444},{"text":"You'll still hold some beta shares from Australian equities about 20% there.","start":2170.155,"end":2174.815,"sentiment":"neutral","sentiment_score":0.11063686075309913},{"text":"We're still holding some cybersecurity because it is still a good area to hold.","start":2174.955,"end":2179.355,"sentiment":"neutral","sentiment_score":0.14027843411479676}],"sentiment":"neutral","sentiment_score":0.10262628808453843,"num_words":91,"start":2142.935,"end":2179.355},{"sentences":[{"text":"That's about 5%.","start":2179.355,"end":2180.815,"sentiment":"neutral","sentiment_score":0.09737628201643626},{"text":"That's the beta shares hack investment you can see there.","start":2181.115,"end":2184.415,"sentiment":"neutral","sentiment_score":0.060710478015244006},{"text":"You're still off no.","start":2185.6199,"end":2188.0999,"sentiment":"neutral","sentiment_score":-0.08780735917389393},{"text":"Yeah.","start":2188.0999,"end":2188.42,"sentiment":"neutral","sentiment_score":-0.017923597246408463},{"text":"Just dropping it a little bit.","start":2188.42,"end":2189.6199,"sentiment":"neutral","sentiment_score":-0.08985847607254982}],"sentiment":"neutral","sentiment_score":-0.00037792767398059254,"num_words":24,"start":2179.355,"end":2189.6199},{"sentences":[{"text":"You're at 5.19%.","start":2189.6199,"end":2191.6199,"sentiment":"neutral","sentiment_score":-0.025823802997668583},{"text":"We only wanna hold 5%.","start":2191.6199,"end":2193.4,"sentiment":"neutral","sentiment_score":-0.014398615062236785},{"text":"So, essentially, that investment's seeing some really good growth.","start":2193.46,"end":2197.14,"sentiment":"positive","sentiment_score":0.4341383741961585},{"text":"So you're, you know, you we wanna rebalance it back a little bit.","start":2197.14,"end":2200.585,"sentiment":"neutral","sentiment_score":0.01959088330085461},{"text":"So selling a little bit off to bring you back to 5% there.","start":2200.585,"end":2203.885,"sentiment":"neutral","sentiment_score":-0.09258604823396756}],"sentiment":"neutral","sentiment_score":0.06532194742629695,"num_words":43,"start":2189.6199,"end":2203.885},{"sentences":[{"text":"Buying into the iShares Europe to give you exposure to more of those European countries, they're buying in if you've got 5.73 at the moment, wanna hold 8%.","start":2204.4248,"end":2214.14,"sentiment":"neutral","sentiment_score":0.1374147515743971},{"text":"You've also got the S and P 500, which is giving you access and exposures to the top 500 companies on the American market.","start":2214.6,"end":2222.06,"sentiment":"neutral","sentiment_score":0.1200971247938772},{"text":"At the moment, you've got 24.66% there.","start":2222.76,"end":2226.165,"sentiment":"neutral","sentiment_score":0.026855754532984326},{"text":"We wanna buy a little bit more of that to hold about 30 of that side of things.","start":2226.165,"end":2230.585,"sentiment":"neutral","sentiment_score":0.033207035520010524},{"text":"You would see defensive investments, the Vanguard diversified index investment.","start":2232.0051,"end":2236.245,"sentiment":"neutral","sentiment_score":0.03542110361158848}],"sentiment":"neutral","sentiment_score":0.0904582988085418,"num_words":87,"start":2204.4248,"end":2236.245},{"sentences":[{"text":"We're selling that off completely, so that'll go down to zero.","start":2236.245,"end":2240.0251,"sentiment":"neutral","sentiment_score":-0.029431118799204178},{"text":"Well, it's there's nothing wrong with it.","start":2240.87,"end":2243.59,"sentiment":"neutral","sentiment_score":0.013170474009322268},{"text":"It's more of a defensive investment.","start":2243.59,"end":2245.61,"sentiment":"neutral","sentiment_score":0.047431169698635735},{"text":"We've just found a cheaper, better way to hold defensive investments.","start":2245.75,"end":2250.01,"sentiment":"neutral","sentiment_score":0.05252392590045929},{"text":"But the Vanguard diversified index and the Vanguard Australian fixed in fixed interest index, so we're gonna sell those off completely.","start":2250.3901,"end":2258.6448,"sentiment":"neutral","sentiment_score":0.0015213519689582643}],"sentiment":"neutral","sentiment_score":0.011834814387839288,"num_words":56,"start":2236.245,"end":2258.6448},{"sentences":[{"text":"There's nothing wrong with the investment.","start":2258.9448,"end":2260.545,"sentiment":"neutral","sentiment_score":0.23879746347665787},{"text":"They can perform quite well.","start":2260.545,"end":2261.9048,"sentiment":"positive","sentiment_score":0.5309508204460144},{"text":"It's just we found a cheaper way to make the investment work for you.","start":2261.9048,"end":2265.7449,"sentiment":"neutral","sentiment_score":0.3196056602256639},{"text":"The more investments you hold where's that one?","start":2265.7449,"end":2270.8901,"sentiment":"neutral","sentiment_score":-0.00565709825605154},{"text":"No.","start":2270.8901,"end":2271.21,"sentiment":"neutral","sentiment_score":-0.048597946763038635}],"sentiment":"neutral","sentiment_score":0.24906362921876066,"num_words":34,"start":2258.9448,"end":2271.21},{"sentences":[{"text":"That's the top one there.","start":2271.21,"end":2272.57,"sentiment":"neutral","sentiment_score":-0.023477243073284627},{"text":"Yeah.","start":2272.57,"end":2272.97,"sentiment":"neutral","sentiment_score":-0.002422113437205553},{"text":"So there's there's nothing wrong with that.","start":2272.97,"end":2275.31,"sentiment":"neutral","sentiment_score":-0.029964358811931952},{"text":"We're just removing that essentially out of the portfolio because if you look at the very bottom of Vanguard or WorldX US investment, that's encompassing the entire globe minus The US market.","start":2275.37,"end":2287.535,"sentiment":"neutral","sentiment_score":-0.04159254493424669},{"text":"So we can remove the iShares Asia exposure out of that because you have that in this Vanguard or World Index.","start":2287.535,"end":2294.515,"sentiment":"neutral","sentiment_score":-0.000010141836745398386}],"sentiment":"neutral","sentiment_score":-0.025162625105374238,"num_words":66,"start":2271.21,"end":2294.515},{"sentences":[{"text":"It's essentially taking away a lot of the different investments that might cost you more to hold in your portfolio and incorporating them into one investment so that you're still getting diversification and helping to lower the risk level, but it's making it cheaper for your funds because the more investments you hold, the more you pay in investment fees.","start":2294.735,"end":2313.98,"sentiment":"neutral","sentiment_score":0.19166776221245527},{"text":"Those investment fees are paid out to the investment managers, as they make money off that.","start":2314.335,"end":2319.775,"sentiment":"neutral","sentiment_score":0.2163210641592741},{"text":"So instead of holding 20 different investments, we try to look at a way of holding maybe six, seven, or eight different investment options that give you diversification that are doing really well, but it also, hopefully, lower cost for you so that you're paying less fees out of your super and keeping more money invested for your for your retirement, for your growth, if that makes sense.","start":2319.775,"end":2340.81,"sentiment":"positive","sentiment_score":0.48779615628368717},{"text":"Yeah.","start":2342.505,"end":2343.005,"sentiment":"neutral","sentiment_score":0.1361052691936493},{"text":"The other thing there, the physical gold and silver, look, we're keeping gold in the portfolio.","start":2344.665,"end":2348.845,"sentiment":"neutral","sentiment_score":0.16510002175346017}],"sentiment":"neutral","sentiment_score":0.31620526089338785,"num_words":161,"start":2294.735,"end":2348.845},{"sentences":[{"text":"It has done very well.","start":2348.9849,"end":2350.265,"sentiment":"positive","sentiment_score":0.49843794107437134},{"text":"We wanna hold that there.","start":2350.265,"end":2351.4648,"sentiment":"neutral","sentiment_score":0.2314354509115219},{"text":"You wanna hold about 10% within this sort of portfolio.","start":2351.4648,"end":2354.365,"sentiment":"neutral","sentiment_score":0.15683075785636902},{"text":"Physical gold essentially is an alternative investment, so it's technically growth.","start":2355.13,"end":2360.1099,"sentiment":"neutral","sentiment_score":0.17789260365746237},{"text":"It gets growth.","start":2360.73,"end":2361.77,"sentiment":"neutral","sentiment_score":0.23272048930327097}],"sentiment":"neutral","sentiment_score":0.23154866607750163,"num_words":34,"start":2348.9849,"end":2361.77},{"sentences":[{"text":"It doesn't produce any kinda income, but it can act defensively.","start":2361.77,"end":2365.63,"sentiment":"neutral","sentiment_score":0.16116534105756067},{"text":"So if you think about physical gold and think back to times when the markets have gone, you know, down significantly, like the GFC or even 2020, people take money out of other investments and put it into gold.","start":2365.85,"end":2378.415,"sentiment":"neutral","sentiment_score":0.1061967704922725},{"text":"So it can be a bit of a safe haven at certain times as well.","start":2378.415,"end":2381.9548,"sentiment":"neutral","sentiment_score":0.23621827065944673},{"text":"So gold can act defensively at certain times, but it is a growth asset.","start":2382.21,"end":2386.31,"sentiment":"neutral","sentiment_score":0.22247881868055888},{"text":"We are looking to keep that in there.","start":2386.8499,"end":2388.69,"sentiment":"neutral","sentiment_score":0.16978983581066132}],"sentiment":"neutral","sentiment_score":0.16012401159467368,"num_words":87,"start":2361.77,"end":2388.69},{"sentences":[{"text":"It is fine.","start":2388.69,"end":2389.41,"sentiment":"neutral","sentiment_score":0.30907856424649555},{"text":"It is a good investment to keep.","start":2389.41,"end":2391.09,"sentiment":"positive","sentiment_score":0.49200344511440824},{"text":"It is at a thirty year high, but it will, you know, essentially will continue to grow.","start":2391.09,"end":2395.41,"sentiment":"positive","sentiment_score":0.423434457358192},{"text":"We still love it.","start":2395.41,"end":2396.21,"sentiment":"positive","sentiment_score":0.5249029844999313},{"text":"I know I still love a bit of physical gold.","start":2396.21,"end":2398.365,"sentiment":"neutral","sentiment_score":0.23607310950756072}],"sentiment":"positive","sentiment_score":0.39097533211475466,"num_words":41,"start":2388.69,"end":2398.365},{"sentences":[{"text":"I love wearing gold too.","start":2398.365,"end":2400.065,"sentiment":"positive","sentiment_score":0.3749804675579071},{"text":"And then you've also got the physical silver in there.","start":2400.925,"end":2403.565,"sentiment":"neutral","sentiment_score":0.08217823281884193},{"text":"We are removing that from your portfolio.","start":2403.565,"end":2405.665,"sentiment":"neutral","sentiment_score":-0.04030003984059606},{"text":"It hasn't been performing as we sort of liked it to.","start":2405.885,"end":2408.525,"sentiment":"neutral","sentiment_score":-0.07715060697360472},{"text":"It has taken a bit of a better because of, obviously, high inflationary rates.","start":2408.525,"end":2412.84,"sentiment":"neutral","sentiment_score":-0.0427503263843911}],"sentiment":"neutral","sentiment_score":0.020583471085162872,"num_words":47,"start":2398.365,"end":2412.84},{"sentences":[{"text":"So we are just looking to remove the physical silver out of the portfolio and keep that physical gold in there.","start":2413.24,"end":2418.9402,"sentiment":"neutral","sentiment_score":-0.016540403876985823},{"text":"And then you've got adding in the Japanese exposure.","start":2420.28,"end":2423.1802,"sentiment":"neutral","sentiment_score":0.07420478016138077},{"text":"Just a little bit of 5% there just because the all world doesn't have as much exposure to Japan, and it has been a really good place to see growth over the past sort of twelve months.","start":2423.4001,"end":2432.7449,"sentiment":"neutral","sentiment_score":0.22920599056256785},{"text":"And then the all world ex US.","start":2433.765,"end":2436.005,"sentiment":"neutral","sentiment_score":0.05246639331536634},{"text":"So that's giving you exposure to the entire globe minus The US market, and that's because above, we're holding 30% of the S and P 500.","start":2436.005,"end":2444.98,"sentiment":"neutral","sentiment_score":0.07935302690244637}],"sentiment":"neutral","sentiment_score":0.11231559643521905,"num_words":100,"start":2413.24,"end":2444.98},{"sentences":[{"text":"And then as I kinda mentioned before, we're removing the the Vanguard diversified index and the Vanguard fixed interest index, but we still wanna hold defensive investments like cash, bonds, and fixed interest.","start":2445.9202,"end":2457.425,"sentiment":"neutral","sentiment_score":0.09978028149767355},{"text":"And so the bottom one, the core composite bonds, that's giving you exposure to both government and corporate bonds and also notes and other, you know, cash investments, essentially.","start":2457.725,"end":2467.8252,"sentiment":"neutral","sentiment_score":0.1624787894302401},{"text":"So keeping that is giving you a little bit of a defensive component.","start":2467.965,"end":2471.74,"sentiment":"neutral","sentiment_score":0.28730063369640935},{"text":"Bonds are good.","start":2472.76,"end":2474.1401,"sentiment":"positive","sentiment_score":0.5050167441368103},{"text":"They essentially pay regular income payments.","start":2474.36,"end":2477.02,"sentiment":"positive","sentiment_score":0.3693850090106328}],"sentiment":"neutral","sentiment_score":0.18417741318366357,"num_words":84,"start":2445.9202,"end":2477.02},{"sentences":[{"text":"Think of a bond a bit like a term deposit.","start":2477.08,"end":2479.4,"sentiment":"neutral","sentiment_score":0.2622568100690842},{"text":"You're putting that money into the investment there, and then you're getting regular income payments out on a monthly or a regular basis.","start":2479.4,"end":2486.7751,"sentiment":"neutral","sentiment_score":0.2945905768353006},{"text":"At the end of the term, you get your capital back as well, and it can be reinvested.","start":2486.7751,"end":2491.7551,"sentiment":"neutral","sentiment_score":0.32348064581553143},{"text":"So bonds work the same way term deposits do, and they're really good for income producing.","start":2492.0552,"end":2496.79,"sentiment":"positive","sentiment_score":0.554058326408267},{"text":"And even at your stage, we still wanna have income.","start":2496.93,"end":2499.8901,"sentiment":"neutral","sentiment_score":0.2977228775620461}],"sentiment":"positive","sentiment_score":0.35146707780175396,"num_words":77,"start":2477.08,"end":2499.8901},{"sentences":[{"text":"We still want the income that's generated from these sorts of investments and a lot of those other investments which are exchange traded funds or ETFs.","start":2499.8901,"end":2508.23,"sentiment":"neutral","sentiment_score":0.2837364003062248},{"text":"They will generate dividends that'll be paid in some quarterly, some yearly, some biannually.","start":2508.935,"end":2514.395,"sentiment":"neutral","sentiment_score":0.26754085400274824},{"text":"That money will be redistributed into your cash account and re then reinvested back in the portfolio for you to assist with compounding.","start":2515.335,"end":2523.15,"sentiment":"neutral","sentiment_score":0.25999124542526575},{"text":"Yeah.","start":2525.53,"end":2526.01,"sentiment":"neutral","sentiment_score":0.03958653658628464},{"text":"Does that make sense?","start":2526.01,"end":2527.23,"sentiment":"neutral","sentiment_score":0.03255307301878929}],"sentiment":"neutral","sentiment_score":0.25400464466827755,"num_words":68,"start":2499.8901,"end":2527.23},{"sentences":[{"text":"It is a lot, and I'm very sorry.","start":2528.73,"end":2530.25,"sentiment":"neutral","sentiment_score":-0.06042390246875584},{"text":"It's a lot, but so so I wanted to make sure that you yeah.","start":2530.25,"end":2534.59,"sentiment":"neutral","sentiment_score":-0.046520293823310306},{"text":"So it is very different, and I know the the returns haven't been you know, aren't showing as great in the projection table, and that's also kind of reflective of the market as a whole.","start":2535.405,"end":2544.925,"sentiment":"neutral","sentiment_score":-0.06251783935087067},{"text":"But even if it's, you know, a less than 1% difference in the market, If we can make your super work as hard as possible, absolutely great.","start":2544.925,"end":2553.53,"sentiment":"neutral","sentiment_score":0.10975656548032055},{"text":"If you decide to take these changes on, we make the changes within the super fund.","start":2553.67,"end":2557.67,"sentiment":"neutral","sentiment_score":0.22898262459784746}],"sentiment":"neutral","sentiment_score":0.03304349550977349,"num_words":100,"start":2528.73,"end":2557.67},{"sentences":[{"text":"And then in six months' time since February, we catch up again.","start":2557.67,"end":2561.21,"sentiment":"neutral","sentiment_score":0.11811997431019942},{"text":"And we just check to see how that's working in your super fund.","start":2561.5898,"end":2564.535,"sentiment":"positive","sentiment_score":0.3336765548357597},{"text":"I'm even happy if you like to send you a report or maybe catch up with you before February to sort of see how those changes are reflected if they're working in your super.","start":2564.615,"end":2573.895,"sentiment":"positive","sentiment_score":0.6674698293209076},{"text":"And if they're not, then we can look at what else we can do and what more changes we might need to make in those investments.","start":2573.895,"end":2578.0994,"sentiment":"neutral","sentiment_score":0.16399507869321567},{"text":"Does that make sense?","start":2578.0994,"end":2578.875,"sentiment":"neutral","sentiment_score":0.19442357122898102}],"sentiment":"positive","sentiment_score":0.3763008475554793,"num_words":89,"start":2557.67,"end":2578.875},{"sentences":[{"text":"Beautiful.","start":2592.27,"end":2592.77,"sentiment":"neutral","sentiment_score":0.15834787487983704},{"text":"Mhmm.","start":2592.9102,"end":2593.275,"sentiment":"neutral","sentiment_score":0.045499373227357864},{"text":"That one was back on '23.","start":2594.555,"end":2596.4949,"sentiment":"neutral","sentiment_score":0.010772953275591135},{"text":"Mhmm.","start":2606.555,"end":2606.82,"sentiment":"neutral","sentiment_score":0.03127899020910263},{"text":"Mhmm.","start":2608.9001,"end":2609.4001,"sentiment":"neutral","sentiment_score":0.030167987570166588}],"sentiment":"neutral","sentiment_score":0.03299319455400109,"num_words":10,"start":2592.27,"end":2609.4001},{"sentences":[{"text":"That's completely up to you with that time frame.","start":2624.285,"end":2626.7651,"sentiment":"neutral","sentiment_score":0.15229708204666773},{"text":"So, essentially, when you get to retirement and the way I work out the retirement strategies with majority of my clients is when you get to the year you're ready to retire, we'll have that conversation.","start":2626.7651,"end":2637.0,"sentiment":"neutral","sentiment_score":0.13650192941228548},{"text":"We'll talk about what you're actually needing to live on.","start":2637.14,"end":2639.78,"sentiment":"neutral","sentiment_score":0.10217922851443291},{"text":"So up until the point that you actually retire, we sort of work on a base goal.","start":2639.78,"end":2644.5,"sentiment":"neutral","sentiment_score":0.024959536926711306},{"text":"You've sort of said 1,500 per week at the moment, but that could definitely change.","start":2644.5,"end":2649.205,"sentiment":"neutral","sentiment_score":-0.05051747728139162}],"sentiment":"neutral","sentiment_score":0.08015040748206706,"num_words":87,"start":2624.285,"end":2649.205},{"sentences":[{"text":"Inflation could change that.","start":2649.205,"end":2650.645,"sentiment":"neutral","sentiment_score":-0.23651864007115364},{"text":"The cost of living could change for you.","start":2650.645,"end":2652.565,"sentiment":"neutral","sentiment_score":-0.1918097473680973},{"text":"You might need more and or less money.","start":2652.565,"end":2654.825,"sentiment":"neutral","sentiment_score":-0.14009795524179935},{"text":"I tend to, for anyone who doesn't actually know how much they need to live on when we get to that point, do a budget planner with them so we can assess their living expenses in detail.","start":2655.285,"end":2664.94,"sentiment":"neutral","sentiment_score":0.033156316563789104},{"text":"At 60, if you fully retire, you can access all of your money within Sleepy.","start":2665.96,"end":2670.5999,"sentiment":"neutral","sentiment_score":0.1483684053023656}],"sentiment":"neutral","sentiment_score":-0.0020698109551125932,"num_words":72,"start":2649.205,"end":2670.5999},{"sentences":[{"text":"You can take it as a lump sum, or you can leave it invested and just be drawing out smaller regular lump sums realistically if you would like it to sort of last as long as possible and keep it growing.","start":2670.5999,"end":2685.5051,"sentiment":"neutral","sentiment_score":0.1791471662681277},{"text":"Having it invested in super does work out better because you keep that fund the funds invested as such, probably in a more conservative portfolio, and then withdrawing smaller amounts out of super on a regular basis.","start":2685.5051,"end":2697.7898,"sentiment":"neutral","sentiment_score":0.3132719939222207},{"text":"It can be weekly, fortnightly, monthly, however you need those funds to be drawn.","start":2697.7898,"end":2702.21,"sentiment":"neutral","sentiment_score":0.1768048724957875},{"text":"And then the rest of the money stays invested in the portfolio working as long as it possibly can.","start":2702.3499,"end":2707.575,"sentiment":"positive","sentiment_score":0.35493609544477966},{"text":"From six no.","start":2708.115,"end":2710.855,"sentiment":"neutral","sentiment_score":-0.059436216950416565}],"sentiment":"neutral","sentiment_score":0.2454109032425964,"num_words":114,"start":2670.5999,"end":2710.855},{"sentences":[{"text":"Well, no.","start":2711.1548,"end":2712.035,"sentiment":"neutral","sentiment_score":-0.10271545872092247},{"text":"So no.","start":2712.035,"end":2712.9148,"sentiment":"neutral","sentiment_score":-0.12438896670937538},{"text":"So at the moment, it does because you're in the accumulation phase.","start":2712.9148,"end":2716.355,"sentiment":"neutral","sentiment_score":0.013278902197877565},{"text":"You're accumulating that wealth.","start":2716.355,"end":2718.295,"sentiment":"neutral","sentiment_score":0.05894362460821867},{"text":"However, when you get into pension phase, when you fully retire, you move into the pension phase.","start":2718.9949,"end":2725.27,"sentiment":"neutral","sentiment_score":0.130254006561111}],"sentiment":"neutral","sentiment_score":0.05824947528339721,"num_words":37,"start":2711.1548,"end":2725.27},{"sentences":[{"text":"And inside pension phase, there is no income tax.","start":2725.27,"end":2728.23,"sentiment":"neutral","sentiment_score":0.160026373134719},{"text":"There is no capital gains tax.","start":2728.23,"end":2730.33,"sentiment":"neutral","sentiment_score":0.11875023444493611},{"text":"There is no income tax on the drawdowns that you make from super.","start":2730.6301,"end":2733.9302,"sentiment":"neutral","sentiment_score":0.2954357232038791},{"text":"You will be able to take money as regularly as you like, have ad hoc lump sums whenever you like.","start":2734.335,"end":2741.715,"sentiment":"positive","sentiment_score":0.5516488999128342},{"text":"And in that pension phase, we can switch investments in ultra portfolios without any there's no capital gains consequences and no income tax consequences on the income that is generated from the from the funds.","start":2742.015,"end":2753.77,"sentiment":"neutral","sentiment_score":0.32069540194102697}],"sentiment":"positive","sentiment_score":0.3403701232858451,"num_words":83,"start":2725.27,"end":2753.77},{"sentences":[{"text":"So keeping it in that pension phase when you get to 60 and fully retire is very much a tax sheltered environment, unlike most things now.","start":2753.91,"end":2765.2852,"sentiment":"positive","sentiment_score":0.40975403499144775},{"text":"Yeah.","start":2767.425,"end":2767.925,"sentiment":"positive","sentiment_score":0.4331838488578797},{"text":"Very nice, isn't it?","start":2768.225,"end":2769.685,"sentiment":"positive","sentiment_score":0.6713269650936127},{"text":"Yeah.","start":2775.345,"end":2775.845,"sentiment":"positive","sentiment_score":0.3795399069786072},{"text":"Yeah.","start":2776.065,"end":2776.565,"sentiment":"positive","sentiment_score":0.35988345742225647}],"sentiment":"positive","sentiment_score":0.43974302980032837,"num_words":33,"start":2753.91,"end":2776.565},{"sentences":[{"text":"Yeah.","start":2778.0898,"end":2778.5698,"sentiment":"positive","sentiment_score":0.4101026654243469},{"text":"So there's some things to look forward to.","start":2778.5698,"end":2780.3298,"sentiment":"positive","sentiment_score":0.5041191466152668},{"text":"There's some things that we can do there.","start":2780.3298,"end":2782.19,"sentiment":"positive","sentiment_score":0.4752315916121006},{"text":"And, admittedly, between 60 to 67, it is about making sure that you can draw down that income, essentially.","start":2782.25,"end":2789.15,"sentiment":"neutral","sentiment_score":0.24597418151403727},{"text":"When you get to 67, we can look at what your age pension entitlement is, have a look at what you're eligible for, and then draw back to draw less out of super to complement the age pension so that your super and the age pension can hopefully last as long as possible.","start":2789.6648,"end":2805.37,"sentiment":"neutral","sentiment_score":0.3060538313298855}],"sentiment":"neutral","sentiment_score":0.32740754023026886,"num_words":89,"start":2778.0898,"end":2805.37},{"sentences":[{"text":"But one of the things we do just wanna make sure we do is start by making these changes.","start":2805.99,"end":2810.6301,"sentiment":"positive","sentiment_score":0.37950142590623154},{"text":"I am encouraging you to do that salary sacrifice where possible.","start":2810.6301,"end":2814.17,"sentiment":"positive","sentiment_score":0.5309194678610022},{"text":"If you look at that $50 on a monthly basis, it is just $12.50 per week.","start":2814.79,"end":2819.27,"sentiment":"neutral","sentiment_score":0.26836301013827324},{"text":"So starting off smaller.","start":2819.27,"end":2820.765,"sentiment":"neutral","sentiment_score":0.20417232438921928},{"text":"But if you can think about the compounding effect, putting $12.50 on a weekly basis into your super now, rather than waiting for five or ten years and starting it down the track, it has a greater chance of growing and compounding.","start":2821.465,"end":2834.38,"sentiment":"neutral","sentiment_score":0.22285291443510755}],"sentiment":"neutral","sentiment_score":0.2999792108823965,"num_words":92,"start":2805.99,"end":2834.38},{"sentences":[{"text":"Whereas if we leave it and do it in ten years' time, essentially, the the compounding effect doesn't have as greater turnaround.","start":2834.5999,"end":2842.1199,"sentiment":"neutral","sentiment_score":-0.19011706587943164},{"text":"It doesn't grow as much, essentially.","start":2842.1199,"end":2843.98,"sentiment":"neutral","sentiment_score":-0.32780595620473224},{"text":"So it is difficult, and I know with your circumstances, you are only working part time, so you can think about whether you're comfortable to do so.","start":2845.085,"end":2852.2249,"sentiment":"neutral","sentiment_score":-0.2506275494341497},{"text":"If you decide you don't want to take on the the recommendations with the salary sacrifice on the last page of the document, there is a little multi line box.","start":2852.6848,"end":2863.0,"sentiment":"neutral","sentiment_score":-0.31629483997821806},{"text":"In that box, you just outline what you do not wish to take on board as part of the advice.","start":2863.14,"end":2868.68,"sentiment":"neutral","sentiment_score":-0.288738302141428}],"sentiment":"neutral","sentiment_score":-0.26838063108069554,"num_words":105,"start":2834.5999,"end":2868.68},{"sentences":[{"text":"But I am gonna ink that's on the very last page.","start":2869.54,"end":2873.4,"sentiment":"neutral","sentiment_score":-0.022444872608916325},{"text":"Let me just go down the bottom for you.","start":2874.295,"end":2875.975,"sentiment":"neutral","sentiment_score":0.03463340260916286},{"text":"I can tell you what page it is.","start":2875.975,"end":2877.595,"sentiment":"neutral","sentiment_score":0.03162149549461901},{"text":"It should be page number forty forty four.","start":2878.135,"end":2881.835,"sentiment":"neutral","sentiment_score":0.02080276084598154},{"text":"It's above the signing section.","start":2886.615,"end":2888.315,"sentiment":"neutral","sentiment_score":0.009764469042420388}],"sentiment":"neutral","sentiment_score":0.013000571237104694,"num_words":41,"start":2869.54,"end":2888.315},{"sentences":[{"text":"Yep.","start":2905.705,"end":2906.205,"sentiment":"neutral","sentiment_score":0.010691599920392036},{"text":"So page number 44, you've got the please sign the box below.","start":2908.5051,"end":2912.3452,"sentiment":"neutral","sentiment_score":0.028093446511775255},{"text":"Above that, there should be a box, and it should have a multiline in it.","start":2912.3452,"end":2916.3,"sentiment":"neutral","sentiment_score":0.048282543942332265},{"text":"No.","start":2922.76,"end":2923.0,"sentiment":"neutral","sentiment_score":-0.06386145949363708},{"text":"It should be the next page.","start":2923.0,"end":2924.38,"sentiment":"neutral","sentiment_score":-0.021925300049285095}],"sentiment":"neutral","sentiment_score":0.025046795925923755,"num_words":35,"start":2905.705,"end":2924.38},{"sentences":[{"text":"It's on 44 on my document.","start":2924.52,"end":2926.6199,"sentiment":"neutral","sentiment_score":0.0013961895213772852},{"text":"Is it 45 on yours?","start":2926.68,"end":2928.165,"sentiment":"neutral","sentiment_score":0.0033801641315221787},{"text":"It might have added an extra page to the document.","start":2931.7651,"end":2934.185,"sentiment":"neutral","sentiment_score":-0.02570184152573347},{"text":"Sometimes having electronic signatures does that.","start":2934.805,"end":2937.7852,"sentiment":"neutral","sentiment_score":-0.02605534779528777},{"text":"But mine yeah.","start":2938.325,"end":2941.145,"sentiment":"neutral","sentiment_score":-0.020700973148147266}],"sentiment":"neutral","sentiment_score":-0.015005848789587616,"num_words":30,"start":2924.52,"end":2941.145},{"sentences":[{"text":"Above that, there should be a big box.","start":2942.0051,"end":2943.87,"sentiment":"neutral","sentiment_score":0.01963048754259944},{"text":"It should say multiline, or should it be a text box above that?","start":2943.9502,"end":2947.8901,"sentiment":"neutral","sentiment_score":0.010208949016836973},{"text":"Yeah.","start":2951.07,"end":2951.4702,"sentiment":"neutral","sentiment_score":0.07335032522678375},{"text":"So that's the one.","start":2951.4702,"end":2952.35,"sentiment":"neutral","sentiment_score":0.07477667555212975},{"text":"So if you decide you don't wish to take on the advice for the salary sacrifice or any part of the advice you choose not to take on board, you just write that in that box.","start":2952.35,"end":2962.025,"sentiment":"neutral","sentiment_score":-0.06510750390589237}],"sentiment":"neutral","sentiment_score":-0.02712343347769591,"num_words":62,"start":2942.0051,"end":2962.025},{"sentences":[{"text":"Yeah.","start":2963.845,"end":2964.345,"sentiment":"neutral","sentiment_score":-0.031330592930316925},{"text":"So salary sacrificing means that the the deduction is made pretax.","start":2969.765,"end":2974.025,"sentiment":"neutral","sentiment_score":-0.11059859090230682},{"text":"So the employer contributions and the salary sacrifice are taken out of your income before they calculate the income tax.","start":2974.325,"end":2982.94,"sentiment":"neutral","sentiment_score":0.0518146613612771},{"text":"Most of them are quite happy to do so.","start":2987.865,"end":2989.785,"sentiment":"positive","sentiment_score":0.6135806871785058},{"text":"You if your employer says they're not willing to salary sacrifice, then that'll be another story.","start":2989.785,"end":2994.425,"sentiment":"neutral","sentiment_score":-0.28120763320475817}],"sentiment":"neutral","sentiment_score":0.01423302083684687,"num_words":57,"start":2963.845,"end":2994.425},{"sentences":[{"text":"We can always look at it as a deductible contribution where you transfer it from your bank account, and we just claim a notice of intent for that at the end of the year.","start":2994.425,"end":3002.82,"sentiment":"neutral","sentiment_score":0.2956423776991227},{"text":"Has a very similar effect.","start":3002.98,"end":3004.6802,"sentiment":"positive","sentiment_score":0.43477115631103513},{"text":"It's just a little bit more work there, but it can definitely be done.","start":3005.1401,"end":3008.1802,"sentiment":"positive","sentiment_score":0.38405680124248776},{"text":"But most employers are paying your contributions.","start":3008.1802,"end":3010.36,"sentiment":"positive","sentiment_score":0.3860309422016144},{"text":"They're more than happy just to increase that contribution and add the extra in there and do it as a salary sacrifice contribution.","start":3010.5,"end":3016.36,"sentiment":"positive","sentiment_score":0.5631234257117562}],"sentiment":"positive","sentiment_score":0.40068129189761287,"num_words":83,"start":2994.425,"end":3016.36},{"sentences":[{"text":"Mhmm.","start":3027.575,"end":3028.075,"sentiment":"neutral","sentiment_score":0.08438794314861298},{"text":"Yes.","start":3029.415,"end":3029.915,"sentiment":"neutral","sentiment_score":0.16731175780296326},{"text":"Yes.","start":3032.3398,"end":3032.8398,"sentiment":"neutral","sentiment_score":0.14906302094459534},{"text":"It comes out of your pay, but it comes yeah.","start":3035.54,"end":3039.4,"sentiment":"neutral","sentiment_score":0.08931612726300955},{"text":"Yes.","start":3041.06,"end":3041.56,"sentiment":"neutral","sentiment_score":0.14043444395065308}],"sentiment":"neutral","sentiment_score":0.10245417417692286,"num_words":14,"start":3027.575,"end":3041.56},{"sentences":[{"text":"Yes.","start":3042.115,"end":3042.435,"sentiment":"neutral","sentiment_score":0.26191362738609314},{"text":"Correct.","start":3042.435,"end":3042.7551,"sentiment":"positive","sentiment_score":0.3549517095088959},{"text":"And that's why I recommended a salary sacrifice.","start":3042.7551,"end":3044.995,"sentiment":"positive","sentiment_score":0.3375963792204857},{"text":"So you don't have to do that every week.","start":3044.995,"end":3047.175,"sentiment":"neutral","sentiment_score":0.29094060675965416},{"text":"Your employer just takes it out of the the $12.50 every week out of your income, the same as he does with your employer contributions, and just transfers it straight into your super fund.","start":3047.715,"end":3059.0098,"sentiment":"neutral","sentiment_score":0.24734915595720797}],"sentiment":"neutral","sentiment_score":0.2706787383781289,"num_words":53,"start":3042.115,"end":3059.0098},{"sentences":[{"text":"Yeah.","start":3059.0098,"end":3059.5098,"sentiment":"neutral","sentiment_score":0.14137272536754608},{"text":"Oh, easy.","start":3062.69,"end":3063.0098,"sentiment":"neutral","sentiment_score":0.31090325117111206},{"text":"We'll just give you a letter.","start":3063.0098,"end":3064.21,"sentiment":"neutral","sentiment_score":0.21646629025538763},{"text":"It'll have all the information attached.","start":3064.21,"end":3066.0698,"sentiment":"neutral","sentiment_score":0.1970501889785131},{"text":"You just hand that to your employer, and they can organize that with your normal employment contributions.","start":3066.21,"end":3072.055,"sentiment":"neutral","sentiment_score":0.2181522407952477}],"sentiment":"neutral","sentiment_score":0.21727706864476204,"num_words":32,"start":3059.0098,"end":3072.055},{"sentences":[{"text":"But we'll have a letter prefilled for you with all the information that you can just send to them or hand to them to make it easier on you.","start":3072.275,"end":3079.095,"sentiment":"neutral","sentiment_score":0.2583038883990255},{"text":"Yeah.","start":3080.835,"end":3081.27,"sentiment":"neutral","sentiment_score":0.09005920588970184},{"text":"That's okay.","start":3083.75,"end":3084.57,"sentiment":"neutral","sentiment_score":-0.008863367140293121},{"text":"Not everybody does.","start":3087.11,"end":3088.57,"sentiment":"neutral","sentiment_score":-0.15444156030813852},{"text":"Yeah.","start":3090.95,"end":3091.45,"sentiment":"neutral","sentiment_score":0.05106997489929199}],"sentiment":"neutral","sentiment_score":0.19863584803210366,"num_words":36,"start":3072.275,"end":3091.45},{"sentences":[{"text":"Yeah.","start":3097.2852,"end":3097.7852,"sentiment":"neutral","sentiment_score":-0.00782310776412487},{"text":"So, look, essentially, we've outlined majority of the recommendations there.","start":3098.405,"end":3102.245,"sentiment":"neutral","sentiment_score":0.12078567296266556},{"text":"You have the sections.","start":3102.245,"end":3103.5452,"sentiment":"neutral","sentiment_score":0.14112351089715958},{"text":"There is a lot more detail in the than what I've gone through.","start":3103.605,"end":3106.665,"sentiment":"neutral","sentiment_score":0.11962605468355693},{"text":"I do kinda hit on the points that we need to to make sure you've got the information there.","start":3106.965,"end":3111.6602,"sentiment":"neutral","sentiment_score":0.14523454912398992}],"sentiment":"neutral","sentiment_score":0.129343038504111,"num_words":47,"start":3097.2852,"end":3111.6602},{"sentences":[{"text":"But, essentially, as you take some time, you're welcome to go back and have a read through the document, read through the individual sections to sort of, you know, go through the recommendations, the advantages, the disadvantages, the risks involved, the things like that.","start":3112.84,"end":3126.615,"sentiment":"neutral","sentiment_score":0.24286801672794603},{"text":"If you find you have additional questions, you're welcome to come back and ask me.","start":3126.675,"end":3131.095,"sentiment":"positive","sentiment_score":0.37211567958196007},{"text":"But reading it through can sometimes be a little bit clarifying for you as well.","start":3131.5552,"end":3135.18,"sentiment":"neutral","sentiment_score":0.24484722216924032},{"text":"I know sometimes I'm taking you through the sections with all the numbers and the bits and pieces, and it can be a lot to go through.","start":3135.18,"end":3141.36,"sentiment":"neutral","sentiment_score":0.07739635308583577},{"text":"And I'm talking at you at the same time.","start":3141.9,"end":3144.0,"sentiment":"neutral","sentiment_score":0.10398723267846638}],"sentiment":"neutral","sentiment_score":0.20878384445201267,"num_words":110,"start":3112.84,"end":3144.0},{"sentences":[{"text":"So taking some time to go back and have a read through the document yourself, maybe make yourself cup of tea or a coffee and go through it all page by page, and then let me know if you do happen to have any questions in regard to it.","start":3144.22,"end":3156.875,"sentiment":"neutral","sentiment_score":0.2251316775776902},{"text":"Okay?","start":3156.875,"end":3157.375,"sentiment":"neutral","sentiment_score":0.10218314826488496},{"text":"Absolutely.","start":3159.035,"end":3159.535,"sentiment":"neutral","sentiment_score":0.060189440846443176},{"text":"Absolutely.","start":3162.715,"end":3163.215,"sentiment":"neutral","sentiment_score":0.22211411595344543},{"text":"That was probably the next part to go through.","start":3163.515,"end":3165.63,"sentiment":"neutral","sentiment_score":0.14673171440760294}],"sentiment":"neutral","sentiment_score":0.20879548091868885,"num_words":61,"start":3144.22,"end":3165.63},{"sentences":[{"text":"Essentially, so with the remuneration side of things, that outlines the fees that we are paid for any recommendations that we essentially make there.","start":3165.63,"end":3174.8298,"sentiment":"neutral","sentiment_score":0.16269874355445305},{"text":"So there's no upfront implementation fees for the advice.","start":3174.8298,"end":3178.3699,"sentiment":"neutral","sentiment_score":0.12357094552781847},{"text":"All part of you paying the ongoing service fee.","start":3178.5352,"end":3181.195,"sentiment":"neutral","sentiment_score":0.19642999354335997},{"text":"That way we we provide the advice to you as part of that.","start":3182.215,"end":3185.835,"sentiment":"neutral","sentiment_score":0.21754012199548575},{"text":"However, the ongoing remuneration so the ongoing service fee is how much you pay for our ongoing services.","start":3186.0552,"end":3191.975,"sentiment":"neutral","sentiment_score":0.07657131573392285}],"sentiment":"neutral","sentiment_score":0.1505627885767042,"num_words":73,"start":3165.63,"end":3191.975},{"sentences":[{"text":"So the 1.65 per annum, which is that's the yearly fee.","start":3191.975,"end":3197.0698,"sentiment":"neutral","sentiment_score":0.07675821740518916},{"text":"The fee comes out of your super fund on a monthly basis in smaller increments there.","start":3197.0698,"end":3201.89,"sentiment":"neutral","sentiment_score":0.08037751913070679},{"text":"The insurance fee.","start":3202.19,"end":3203.95,"sentiment":"neutral","sentiment_score":0.04080885400374731},{"text":"So because Neos is your insurance provider, they pay us ongoing remuneration every year for the policy.","start":3203.95,"end":3211.905,"sentiment":"neutral","sentiment_score":0.11824707336285535},{"text":"So whenever it goes through renewal, we receive 22% ongoing for the policy.","start":3212.0452,"end":3217.985,"sentiment":"neutral","sentiment_score":0.19121169872008836}],"sentiment":"neutral","sentiment_score":0.11247932650148869,"num_words":60,"start":3191.975,"end":3217.985},{"sentences":[{"text":"That has zero effect.","start":3218.2852,"end":3219.825,"sentiment":"neutral","sentiment_score":0.20782159641385078},{"text":"Yes, sir.","start":3220.125,"end":3220.605,"sentiment":"positive","sentiment_score":0.4063824415206909},{"text":"You're right.","start":3220.605,"end":3221.085,"sentiment":"positive","sentiment_score":0.3879685401916504},{"text":"There you go.","start":3221.085,"end":3221.905,"sentiment":"neutral","sentiment_score":0.17507111777861914},{"text":"No.","start":3231.38,"end":3231.7,"sentiment":"neutral","sentiment_score":-0.0590546652674675}],"sentiment":"neutral","sentiment_score":0.2405122530957063,"num_words":12,"start":3218.2852,"end":3231.7},{"sentences":[{"text":"No, sir.","start":3231.7,"end":3232.5999,"sentiment":"neutral","sentiment_score":-0.05008978396654129},{"text":"Yeah.","start":3232.98,"end":3233.2998,"sentiment":"neutral","sentiment_score":-0.027975179255008698},{"text":"No.","start":3233.2998,"end":3233.5398,"sentiment":"neutral","sentiment_score":-0.1239689290523529},{"text":"There's always been that way.","start":3233.5398,"end":3234.74,"sentiment":"neutral","sentiment_score":-0.10719271302223206},{"text":"So with insurance providers, advisers do receive ongoing and upfront remuneration for the insurance products that they write with Neos.","start":3234.74,"end":3243.9448,"sentiment":"neutral","sentiment_score":0.05583817083388567}],"sentiment":"neutral","sentiment_score":0.011333661218141687,"num_words":29,"start":3231.7,"end":3243.9448},{"sentences":[{"text":"And every insurer, it's all legislated to be exactly the same.","start":3244.005,"end":3247.285,"sentiment":"neutral","sentiment_score":0.05879289216615937},{"text":"So we we received 66% of the first year's premium and 22% there ongoing.","start":3247.285,"end":3252.7449,"sentiment":"neutral","sentiment_score":0.11457389353641442},{"text":"That, however, should have no and does have no effect on our recommendations.","start":3253.34,"end":3257.52,"sentiment":"neutral","sentiment_score":-0.2159704050192466},{"text":"We're retaining the insurances that you have because you are currently on a claim.","start":3257.82,"end":3262.16,"sentiment":"neutral","sentiment_score":0.16192486083933286},{"text":"You're happy with the life and TPD policy that you hold, and you're currently claiming the income protection policy.","start":3262.46,"end":3268.08,"sentiment":"positive","sentiment_score":0.4692453883196178}],"sentiment":"neutral","sentiment_score":0.14965847166071475,"num_words":71,"start":3244.005,"end":3268.08},{"sentences":[{"text":"So it does mean that retaining is the best option for you.","start":3268.1401,"end":3271.4248,"sentiment":"positive","sentiment_score":0.3568064272403717},{"text":"It's in your best interest to do so currently.","start":3271.4248,"end":3273.845,"sentiment":"positive","sentiment_score":0.3446218404504988},{"text":"If later down the track, the insurances are too expensive, don't meet your needs and need to be altered, we will do that with you, but we will make sure it meets your goal.","start":3274.545,"end":3283.6199,"sentiment":"neutral","sentiment_score":-0.2110206916490022},{"text":"We'll talk about what you wanna cover, the level of cover you're happy with, what the cost of that looks like, and how it affects you.","start":3283.6199,"end":3289.96,"sentiment":"neutral","sentiment_score":0.040109978845486276},{"text":"And the the ongoing remuneration is how much the insurer pays us.","start":3290.74,"end":3295.155,"sentiment":"neutral","sentiment_score":0.016734010074287653}],"sentiment":"neutral","sentiment_score":0.015615459631687851,"num_words":93,"start":3268.1401,"end":3295.155},{"sentences":[{"text":"It doesn't it's not paid by you in any way.","start":3295.155,"end":3297.3152,"sentiment":"neutral","sentiment_score":-0.05517801269888878},{"text":"It's paid by the insurer to us, and we have a duty to make sure we disclose this information to you.","start":3297.3152,"end":3303.235,"sentiment":"neutral","sentiment_score":0.020268627398070834},{"text":"So that's why we have the remuneration page, and it outlines all the remuneration that we receive.","start":3303.235,"end":3308.55,"sentiment":"neutral","sentiment_score":0.14591204243547776},{"text":"All of this is received by Okview Financial, not by me personally.","start":3309.17,"end":3312.63,"sentiment":"neutral","sentiment_score":0.12248881037036578},{"text":"I get paid a wage, so it doesn't you know, I provide advice to make sure I'm helping you to get your super working harder and meeting your goals and working towards your retirement goals, but I do not get paid a commission for any of it.","start":3312.69,"end":3326.265,"sentiment":"neutral","sentiment_score":0.20347418112957733}],"sentiment":"neutral","sentiment_score":0.12511699072250695,"num_words":107,"start":3295.155,"end":3326.265},{"sentences":[{"text":"I get paid a wage.","start":3326.4048,"end":3327.625,"sentiment":"neutral","sentiment_score":0.09804772734642028},{"text":"I work an hourly rate, and I get paid a wage for what I do.","start":3327.845,"end":3331.2048,"sentiment":"neutral","sentiment_score":0.1592612067858378},{"text":"So this is all paid to Oakview Financial, and it's all disclosed there nice and clear there for you.","start":3331.2048,"end":3337.93,"sentiment":"positive","sentiment_score":0.3674613825584713},{"text":"Okay?","start":3338.87,"end":3339.37,"sentiment":"neutral","sentiment_score":0.17252174019813538},{"text":"Yeah.","start":3339.75,"end":3340.25,"sentiment":"neutral","sentiment_score":0.2455279529094696}],"sentiment":"neutral","sentiment_score":0.25070665122532265,"num_words":41,"start":3326.4048,"end":3340.25},{"sentences":[{"text":"Easy.","start":3340.47,"end":3340.97,"sentiment":"neutral","sentiment_score":0.18511685729026792},{"text":"Beautiful.","start":3341.03,"end":3341.53,"sentiment":"positive","sentiment_score":0.7668706178665161},{"text":"Do you have any other questions at the moment?","start":3341.99,"end":3343.75,"sentiment":"neutral","sentiment_score":0.20613351174526745},{"text":"Have I answered everything you know, okay?","start":3343.75,"end":3346.6448,"sentiment":"neutral","sentiment_score":0.10400492538298879},{"text":"Has it kinda made sense thus far?","start":3346.6448,"end":3348.585,"sentiment":"neutral","sentiment_score":0.11278025486639567}],"sentiment":"neutral","sentiment_score":0.1729874137043953,"num_words":25,"start":3340.47,"end":3348.585},{"sentences":[{"text":"Yeah.","start":3350.6448,"end":3351.1448,"sentiment":"neutral","sentiment_score":0.2956222891807556},{"text":"That's okay.","start":3351.605,"end":3352.4248,"sentiment":"neutral","sentiment_score":0.33147504925727844},{"text":"That's okay.","start":3353.285,"end":3354.005,"sentiment":"positive","sentiment_score":0.3501233458518982},{"text":"You will see in there as well with the estate planning side of things that I have made the recommendations around setting up a will and a power of attorney.","start":3354.005,"end":3361.59,"sentiment":"neutral","sentiment_score":0.17960686460137368},{"text":"We don't do that.","start":3361.59,"end":3362.4702,"sentiment":"neutral","sentiment_score":-0.05716059822589159}],"sentiment":"neutral","sentiment_score":0.17483032370607057,"num_words":39,"start":3350.6448,"end":3362.4702},{"sentences":[{"text":"We can refer you to a solicitor, or if you have a local attorney or a solicitor you're comfortable talking to to seek those services.","start":3362.4702,"end":3369.85,"sentiment":"neutral","sentiment_score":0.10372260376811028},{"text":"The other options are as as I kinda mentioned last time, I sent that email after the call with the estate planning side of things.","start":3370.6301,"end":3376.595,"sentiment":"neutral","sentiment_score":0.14596667528152465},{"text":"Just making sure those things are updated and reflective of your personal circumstances is very important.","start":3376.595,"end":3382.4548,"sentiment":"neutral","sentiment_score":0.237758862785995},{"text":"Your beneficiaries cover your life insurance and your super, but they don't cover everything else that you've got there.","start":3383.075,"end":3389.2349,"sentiment":"neutral","sentiment_score":0.06061226548627019},{"text":"So it's important to make sure that everything is covered and that it is provided as per your wishes on on passing or, you know, hope nothing ever happens.","start":3389.2349,"end":3398.51,"sentiment":"neutral","sentiment_score":0.1627111366853632}],"sentiment":"neutral","sentiment_score":0.13961955955203034,"num_words":114,"start":3362.4702,"end":3398.51},{"sentences":[{"text":"It's one of those things.","start":3398.73,"end":3399.53,"sentiment":"neutral","sentiment_score":0.09190449863672256},{"text":"It's like the insurance that you cover yourself in the you know, in case something was to happen.","start":3399.53,"end":3404.91,"sentiment":"neutral","sentiment_score":0.10405345095528497},{"text":"There might only be a very small chance that something occurs, but making sure you have those protections in place is really important for you.","start":3405.185,"end":3413.025,"sentiment":"neutral","sentiment_score":0.17618608742952346},{"text":"Okay?","start":3413.025,"end":3413.525,"sentiment":"neutral","sentiment_score":0.1295556128025055},{"text":"The other thing I just wanted to also show you is we kinda talked earlier.","start":3414.705,"end":3419.78,"sentiment":"neutral","sentiment_score":0.0967872348924478}],"sentiment":"neutral","sentiment_score":0.12997657706728205,"num_words":64,"start":3398.73,"end":3419.78},{"sentences":[{"text":"I've scoped in the insurance aspect to know that we're retaining all your insurance covers currently, but there is an effect.","start":3419.78,"end":3426.82,"sentiment":"neutral","sentiment_score":0.058565620687745866},{"text":"And I kinda talked about before how we know that there's an effect on your retirement outcome because you pay insurances out of your super.","start":3426.82,"end":3434.935,"sentiment":"neutral","sentiment_score":0.08023745015263557},{"text":"If you can go to page 31 for me, there's a little table I just wanted to sort of run you through as well.","start":3435.155,"end":3440.855,"sentiment":"neutral","sentiment_score":0.06195374966288606},{"text":"Yep.","start":3450.3699,"end":3450.77,"sentiment":"neutral","sentiment_score":0.0378626212477684},{"text":"So on the bottom of that page, you have a heading called outcomes, and underneath that, there is a little projection Yeah.","start":3450.77,"end":3460.505,"sentiment":"neutral","sentiment_score":0.040161735378205776}],"sentiment":"neutral","sentiment_score":0.06068951698640982,"num_words":93,"start":3419.78,"end":3460.505},{"sentences":[{"text":"So with this table here, you've got the exact same as what's in the above projection table, the current and the recommended.","start":3460.505,"end":3466.525,"sentiment":"neutral","sentiment_score":0.0751212395050309},{"text":"That's exactly the same.","start":3466.585,"end":3468.125,"sentiment":"neutral","sentiment_score":0.09945159126073122},{"text":"The last column is the difference, and that's essentially showing you if you had no insurance premiums being deducted out of your super with the recommended changes that we've got in the advice that you could end up over the next five to ten years with more super inside your account.","start":3468.95,"end":3484.965,"sentiment":"neutral","sentiment_score":0.2215204710031257},{"text":"So this is essentially showing you that we know and we understand that insurance premiums coming out of your super do have an effect on your retirement income, because it does reduce the amount that you have five super at the end of the day.","start":3484.965,"end":3497.79,"sentiment":"positive","sentiment_score":0.34575466877884337},{"text":"So this is showing you the overall impact that we've assessed, but I don't want you to take yeah.","start":3497.79,"end":3505.07,"sentiment":"neutral","sentiment_score":0.04998622148444778}],"sentiment":"neutral","sentiment_score":0.21174975857138634,"num_words":141,"start":3460.505,"end":3505.07},{"sentences":[{"text":"If you Sorry.","start":3505.07,"end":3511.185,"sentiment":"neutral","sentiment_score":-0.05486604136725267},{"text":"The well, that's the thing.","start":3511.185,"end":3514.485,"sentiment":"neutral","sentiment_score":-0.12171845585107803},{"text":"This is not telling you to cancel the insurances in any way, shape, or form.","start":3514.625,"end":3519.425,"sentiment":"neutral","sentiment_score":-0.2458630402882894},{"text":"It's just showing you the effect.","start":3519.425,"end":3521.205,"sentiment":"neutral","sentiment_score":0.13738882107039294},{"text":"So if you didn't have insurance payment and some people pay their insurance premiums out of their back pocket, which is absolutely fine.","start":3521.425,"end":3527.4302,"sentiment":"neutral","sentiment_score":0.0008642769054226253}],"sentiment":"neutral","sentiment_score":-0.06955624446989252,"num_words":52,"start":3505.07,"end":3527.4302},{"sentences":[{"text":"But this is just showing you the overall effect.","start":3527.8901,"end":3530.2102,"sentiment":"neutral","sentiment_score":0.2332040551635954},{"text":"So when you pay the insurance premiums inside of Super, it does lower the overall expected retirement income.","start":3530.2102,"end":3536.79,"sentiment":"neutral","sentiment_score":0.1772170178592205},{"text":"This is just showing you the effect of the current versus the recommended or if you had no insurance premiums being paid out of your super.","start":3537.105,"end":3544.405,"sentiment":"neutral","sentiment_score":0.11235224111722066},{"text":"It's something we have to note that is an effect because your insurance premiums will get more expensive over time.","start":3544.465,"end":3550.785,"sentiment":"neutral","sentiment_score":-0.01864006333053112},{"text":"They will have a greater effect on your super, but we just have to be able to sort of show you that, you know, having having insurance premiums paid out of your super means that you have that level of cover, but you don't have to pay the premiums out of your back pocket.","start":3550.785,"end":3564.54,"sentiment":"neutral","sentiment_score":0.16079097461921196}],"sentiment":"neutral","sentiment_score":0.13007726338435346,"num_words":127,"start":3527.8901,"end":3564.54},{"sentences":[{"text":"But it means that over the next five to ten to fifteen years, you could end up with less in your super than what you would have if you did not pay for those insurance premiums.","start":3565.155,"end":3574.7751,"sentiment":"neutral","sentiment_score":0.08518457288543384},{"text":"This is not in any way saying you should cancel the insurance premiums.","start":3575.235,"end":3578.43,"sentiment":"neutral","sentiment_score":-0.2172980228295693},{"text":"It's just showing you the long term effect based on where you currently are, the recommended, and, obviously, not having insurance premiums paid out of your super.","start":3578.43,"end":3587.97,"sentiment":"neutral","sentiment_score":0.10251069041313948},{"text":"It's just an effect we have to kinda go through and show you.","start":3588.03,"end":3591.17,"sentiment":"neutral","sentiment_score":-0.03870405271076239},{"text":"No.","start":3591.79,"end":3592.27,"sentiment":"neutral","sentiment_score":-0.08759231865406036}],"sentiment":"neutral","sentiment_score":0.02687571071502235,"num_words":90,"start":3565.155,"end":3592.27},{"sentences":[{"text":"This it's not saying you have to cancel.","start":3592.27,"end":3594.165,"sentiment":"neutral","sentiment_score":-0.03987193526700139},{"text":"It's not saying you should.","start":3594.165,"end":3595.365,"sentiment":"neutral","sentiment_score":-0.027032288163900374},{"text":"It's just showing you the outcome if you were to not.","start":3595.365,"end":3598.725,"sentiment":"neutral","sentiment_score":0.06508923423561183},{"text":"It's like an alternative.","start":3598.725,"end":3599.865,"sentiment":"neutral","sentiment_score":0.11117784306406975},{"text":"If you didn't have insurance premiums, this is the projected outcome that you could see.","start":3600.0051,"end":3604.665,"sentiment":"neutral","sentiment_score":0.07473002100984255}],"sentiment":"neutral","sentiment_score":0.04250014746604964,"num_words":43,"start":3592.27,"end":3604.665},{"sentences":[{"text":"It's, you know, just something we have to note.","start":3605.205,"end":3608.45,"sentiment":"neutral","sentiment_score":0.032048453059461385},{"text":"It's kind of it's all sort of in the legislative side of things that because we have insurance paid out of super, we have to show you the difference if you didn't show have the insurance premiums paid out of super.","start":3608.99,"end":3619.81,"sentiment":"neutral","sentiment_score":-0.007648964162643363},{"text":"But, look, I pay my insurances out of super.","start":3620.405,"end":3622.7249,"sentiment":"neutral","sentiment_score":0.004443391122751766},{"text":"I know that over the next, you know, ten to fifteen years, I'm probably gonna be about $40,000 less because of that.","start":3622.7249,"end":3629.205,"sentiment":"neutral","sentiment_score":0.029801717536015945},{"text":"And I understand that, and I'm comfortable with that.","start":3629.205,"end":3631.525,"sentiment":"neutral","sentiment_score":0.25436412956979537}],"sentiment":"neutral","sentiment_score":0.032885933543245,"num_words":90,"start":3605.205,"end":3631.525},{"sentences":[{"text":"So it's just about making sure that you're fully informed and that we show you the alternatives and the projected expected impact of your super with the insurance premiums that you do have, if that makes sense.","start":3631.525,"end":3643.48,"sentiment":"neutral","sentiment_score":0.26232416847267664},{"text":"It's a little bit confusing, and I get that, But we it's just making sure that we're touching the points that we do have to and showing you the alternative.","start":3643.48,"end":3651.425,"sentiment":"neutral","sentiment_score":0.04129486943905552},{"text":"Does that make sense?","start":3652.045,"end":3653.185,"sentiment":"neutral","sentiment_score":0.06426847353577614},{"text":"Yeah.","start":3653.725,"end":3654.225,"sentiment":"neutral","sentiment_score":0.1042267009615898},{"text":"All good.","start":3655.805,"end":3656.545,"sentiment":"positive","sentiment_score":0.38894885778427124}],"sentiment":"neutral","sentiment_score":0.16329781928829648,"num_words":74,"start":3631.525,"end":3656.545},{"sentences":[{"text":"All good.","start":3656.765,"end":3657.565,"sentiment":"positive","sentiment_score":0.3756901025772095},{"text":"I know I've gone through a lot, and I'm so sorry.","start":3657.565,"end":3660.065,"sentiment":"neutral","sentiment_score":-0.05962281521748413},{"text":"It can definitely be a lot to go through.","start":3660.4102,"end":3662.51,"sentiment":"neutral","sentiment_score":-0.16939204268985325},{"text":"You've asked a lot of questions.","start":3663.05,"end":3664.4102,"sentiment":"neutral","sentiment_score":-0.01568844635039568},{"text":"Is there any other questions that might sorta come into mind at the moment that you might have?","start":3664.4102,"end":3669.1501,"sentiment":"neutral","sentiment_score":0.013663815748360422}],"sentiment":"neutral","sentiment_score":-0.027764807414749394,"num_words":46,"start":3656.765,"end":3669.1501},{"sentences":[{"text":"No.","start":3671.61,"end":3671.9302,"sentiment":"neutral","sentiment_score":-0.15379762649536133},{"text":"That's okay.","start":3671.9302,"end":3672.81,"sentiment":"neutral","sentiment_score":-0.031081637367606163},{"text":"I would suggest if you just take some time to read it through, go through the different sections.","start":3672.81,"end":3677.445,"sentiment":"neutral","sentiment_score":0.03480539626131455},{"text":"Yeah.","start":3678.145,"end":3678.4648,"sentiment":"neutral","sentiment_score":0.02501573786139488},{"text":"Of course.","start":3678.4648,"end":3679.125,"sentiment":"neutral","sentiment_score":0.015888569876551628}],"sentiment":"neutral","sentiment_score":0.019472046211982768,"num_words":24,"start":3671.61,"end":3679.125},{"sentences":[{"text":"Yeah.","start":3681.7449,"end":3682.2449,"sentiment":"neutral","sentiment_score":-0.003403688780963421},{"text":"Oh, that's a that's an error.","start":3688.72,"end":3690.56,"sentiment":"neutral","sentiment_score":-0.3156533067425092},{"text":"Let me sorry.","start":3690.56,"end":3691.44,"sentiment":"neutral","sentiment_score":-0.23373451828956604},{"text":"I'll go back and have that one rectified for you, and we'll send it back out.","start":3691.44,"end":3696.1,"sentiment":"neutral","sentiment_score":-0.06192655808990821},{"text":"Yeah.","start":3697.28,"end":3697.6802,"sentiment":"neutral","sentiment_score":-0.026594066992402077}],"sentiment":"neutral","sentiment_score":-0.13392392890872779,"num_words":27,"start":3681.7449,"end":3697.6802},{"sentences":[{"text":"Sorry about that.","start":3697.6802,"end":3698.56,"sentiment":"neutral","sentiment_score":-0.14897747337818146},{"text":"That's a small error.","start":3698.56,"end":3699.9202,"sentiment":"neutral","sentiment_score":-0.2835967689752579},{"text":"We'll go back in and just have that changed and send it back to you.","start":3699.9202,"end":3703.395,"sentiment":"neutral","sentiment_score":-0.07842004150152207},{"text":"Sorry about that.","start":3706.095,"end":3707.2349,"sentiment":"neutral","sentiment_score":-0.14245365063349405},{"text":"It's all good.","start":3708.175,"end":3708.895,"sentiment":"positive","sentiment_score":0.7610140244166056}],"sentiment":"neutral","sentiment_score":-0.03221210704318115,"num_words":28,"start":3697.6802,"end":3708.895},{"sentences":[{"text":"It's just a it's we pull it sort of pull it out of the template.","start":3708.895,"end":3711.9348,"sentiment":"neutral","sentiment_score":0.24843525091807048},{"text":"It should just be updated with your name, essentially.","start":3711.9348,"end":3715.075,"sentiment":"neutral","sentiment_score":0.20799030197991264},{"text":"So we'll just go back and have that rectified and resend the document to you.","start":3715.2148,"end":3718.9502,"sentiment":"neutral","sentiment_score":0.20600776274998983},{"text":"So it'll come through very shortly.","start":3718.9502,"end":3720.47,"sentiment":"neutral","sentiment_score":0.19161734730005264},{"text":"When it comes through, you'll be able to take some time there, Catherine, just to read it through.","start":3720.47,"end":3724.73,"sentiment":"neutral","sentiment_score":0.1655021206372314}],"sentiment":"neutral","sentiment_score":0.20344920917635873,"num_words":63,"start":3708.895,"end":3724.73},{"sentences":[{"text":"Take some time to take it in.","start":3725.03,"end":3726.81,"sentiment":"neutral","sentiment_score":0.13496275884764536},{"text":"It might be a little bit clearer to you once you've kind of taken some time to read it over as well, and let me know if you do happen to have any questions.","start":3726.87,"end":3733.135,"sentiment":"neutral","sentiment_score":0.16756726538433747},{"text":"Okay?","start":3733.3552,"end":3733.8552,"sentiment":"neutral","sentiment_score":0.09759898483753204},{"text":"Easy.","start":3735.995,"end":3736.495,"sentiment":"neutral","sentiment_score":0.3165152072906494},{"text":"That's okay.","start":3736.5552,"end":3737.3552,"sentiment":"neutral","sentiment_score":0.28463153541088104}],"sentiment":"neutral","sentiment_score":0.16945341328779856,"num_words":45,"start":3725.03,"end":3737.3552},{"sentences":[{"text":"Is there any other questions that might have come to mind at the moment at all?","start":3737.3552,"end":3740.25,"sentiment":"neutral","sentiment_score":0.08153986604884267},{"text":"No.","start":3742.81,"end":3743.31,"sentiment":"neutral","sentiment_score":0.02567177824676037},{"text":"That's all good?","start":3746.81,"end":3747.87,"sentiment":"neutral","sentiment_score":0.09636205186446507},{"text":"Beautiful.","start":3749.37,"end":3749.87,"sentiment":"positive","sentiment_score":0.6686115264892578},{"text":"Fantastic.","start":3750.01,"end":3750.51,"sentiment":"positive","sentiment_score":0.7043184041976929}],"sentiment":"neutral","sentiment_score":0.13601480551402678,"num_words":22,"start":3737.3552,"end":3750.51},{"sentences":[{"text":"Well, thank you so much for your time today.","start":3750.73,"end":3752.75,"sentiment":"positive","sentiment_score":0.5931357476446364},{"text":"Hopefully, you've got a restful afternoon.","start":3752.9949,"end":3754.515,"sentiment":"positive","sentiment_score":0.3551269769668579},{"text":"You still got a bit of work to do today?","start":3754.515,"end":3756.115,"sentiment":"neutral","sentiment_score":0.10325669422745705},{"text":"Or yeah.","start":3756.115,"end":3758.855,"sentiment":"neutral","sentiment_score":0.1295195408165455},{"text":"Well, hopefully, you enjoy the rest of your day, and I'll talk to you very soon.","start":3759.075,"end":3763.415,"sentiment":"positive","sentiment_score":0.39986905455589294}],"sentiment":"positive","sentiment_score":0.3525231276140657,"num_words":43,"start":3750.73,"end":3763.415},{"sentences":[{"text":"Yeah.","start":3767.38,"end":3767.7,"sentiment":"neutral","sentiment_score":0.1215292513370514},{"text":"Not a problem at all.","start":3767.7,"end":3768.82,"sentiment":"neutral","sentiment_score":0.2759712874889374},{"text":"Thank you so much for that.","start":3768.82,"end":3769.8599,"sentiment":"positive","sentiment_score":0.6305067042509714},{"text":"You have a good afternoon, and thank you for taking my call.","start":3769.8599,"end":3772.5999,"sentiment":"positive","sentiment_score":0.584945152203242},{"text":"Thanks.","start":3774.42,"end":3774.82,"sentiment":"neutral","sentiment_score":0.1933041512966156}],"sentiment":"positive","sentiment_score":0.4998828756809235,"num_words":25,"start":3767.38,"end":3774.82},{"sentences":[{"text":"See you later.","start":3774.82,"end":3775.54,"sentiment":"neutral","sentiment_score":0.1646833618481954},{"text":"Bye.","start":3775.54,"end":3776.04,"sentiment":"neutral","sentiment_score":0.1224820464849472}],"sentiment":"neutral","sentiment_score":0.15413303300738335,"num_words":4,"start":3774.82,"end":3776.04}]}}]},{"alternatives":[{"transcript":"Hello? Hello? Good. Thank you. Yes. Sure. Busy as usual. Yeah. Yeah. That's fine. Catherine Qui. 09/14/1978. 2 Catalina Cove, Mainland. Oh, did you only just recently send it? Oh, just send. Oh, okay. Let me get to my computer. Hang on a second. Oh, it's just putting the dishes away. So let me just get a shot up and then I'll get to the computer. I'll put you on speakerphone so I can do on the computer. No. I didn't see it. When? Yeah. I I need my Gmail. No. Okay. No. It's come through. I can see it on my phone. I'm just waiting for it to load on my desktop that takes a while. While. Okay. I've got it. Okay. Yep. I've got the document open. Okay. Mhmm. What Mhmm. Okay. Table. Yep. Sorry. That's switching over, is it? Yeah. Yeah. Okay. So that gets taken out of the account. Is that right? Okay. So the switching from the current one to the new one, what benefit does it give? Like The five year rolling average, 10.47. I just downloaded the report from the net well, website for the five year rolling like, five year average. It wasn't 10.47% at all. It was five point two seven. That's a big difference, though. Like, five five point two seven to 10.47, that's, like, half the amount. Mhmm. Yep. Yeah. Yeah. I'm just comparing the 10.47 to 10.71. Like, if it's 10.47 for the general population and I'm actually only getting 5.2, then, you know, 10.71, that's probably realistically only gonna generate that amount even if it's a point 24% increment. So No. Yes. Have you removed that, or or is that in the process? Alright. I thought you guys have already removed it. Okay. No. I understand there's market's up and down, and the average of 10.47 is just like an average across, you know, four, five years. But what I'm saying is 10.7 across five years versus 10.71 across five years is not much of an increase, really. That's what I mean. Like, point two four percent. So and then, yeah, and then I have to pay the the 1,938 for capital gains. And then because I'm looking at the table underneath lump sum in five years and you're comparing the two funds for a difference of 4,200. I've already paid 2,000 in capital gains for that. So is this new fund what is it considered conservative? Or is it because I know that there are funds where you can select to have, like, payout, like, high dividend. Is that right? I yeah. So what would you classify this this fund as? This is not conservative. No. Okay. So this scenario under the recommended column is provided provided that I put in that extra $50. Is that right? Yeah. Yeah. Okay. So did you say that this recommendation was a level three? Is that right? Okay. What are what is what is number four and five look like? K. Yeah. Yeah. But I'm just trying to read the table. So on the page of on the bottom of page 23, there's a table there with the lump sum in five years, ten years, and at 60. Right? So you've got you've got the current on the that's the current balance. Is that right? No. Uh-huh. Okay. So the one 90 one. Okay. Okay. So the current, like, $2.47 is what you think it will look like in five years with the current portfolio. Right? Yeah. And then the recommended one is the $2.52 with the new fund that you recommend in five years' time. The the difference okay. The difference between the current fund versus the new fund. I see. Okay. So this recommended fund with the risk level of three, I wonder what it would look like with a risk level of four. Mhmm. So the recommended fund is the eighty twenty. You just say, so 80% invested in shares and 20% in what? Cash or cash fund? Fund. So 20% in bonds and 80% in shares that's for the recommended fund as an energy. Okay. So from 80 six point four to 86, there's actually less than the new fund. Okay. Run through that. Mhmm. Why? What's happened to Vanguard? What about the iShares Asia? Sorry. Second one. Yeah. I see. Okay. Okay. K. Yeah. No. It's good. Yeah. Okay. Okay. Sorry. Tell me, if this when this goes ahead and I reach 60, where is that table now? Okay. So at 60 alright. And let's say this goes according to plan and then we reach that value of 398,000. What happens at 60? Do I take everything out, or does it get take taken does it pay out bit by bit as monthly living expenses, and how much would that be? It gets taxed there, doesn't it? It doesn't? Yeah. Okay. Alright. One of the good things that I've had, all day today. Okay. It's alright. No. Yes. And what page is that? Forty three forty four. When you cross out what what are you talking about? Oh, how to implement our advise? That one? Oh, 45? I mean, I see the signature bit. That's the big box. Yeah. Yep. There's a multiline box. Yeah. Okay. Summary, sacrificing. I'm not actually taking the $50 before tax, you know, from my employer. Yeah. But then then I have to get authority from my employer first for that? Oh, do you mean so instead of paying the 12 into the super account as that's the standard, you know, super contributions from an employer, they add on an extra $50 and they and they add everything into the super. So it's it's not coming out of my pay. Is that what you mean? Well, yeah, it does come out of my pay, but, like, it they do it for me. Is that what you mean? How do I organize that? Like, how do I Okay. I didn't know I could do that. Okay. Okay. Okay. Alright. Okay. I see. I see. I see. Actually, I just have a quick one. What's your, remuneration? Can you explain that bit? Is that the is that is that different to what's currently set up at the moment? It's always been 22%, or is it only with the new fund at 20 2%? Okay. Alright. Yeah. At the moment, it's fine. Yep. Yeah. Yep. Yep. Okay. 21. Yep. Yep. No insurance. So what do you mean by no insurance premium taken out from my super? Well, how would you pay the insurance premium then? So what's the alternative, ma'am? Yeah. I see. Yep. Yep. Alright. Not at the moment. Actually, in that table above, life insured, why does it go Sharon Carey on this? Is that an example? And and the previous page as well. Okay. Okay. Alright. No worries. No worries. That's it. Yep. All good. Yeah. I do. Yeah. Okay. Thank you. I'll wait for that document before I sign it. Okay. No worries. See you. 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Hello? Good. Thank you. Yes.\n\nSure. Busy as usual. Yeah. Yeah. That's fine.\n\nCatherine Qui. 09/14/1978. 2 Catalina Cove, Mainland. Oh, did you only just recently send it? Oh, just send.\n\nOh, okay. Let me get to my computer. Hang on a second. Oh, it's just putting the dishes away. So let me just get a shot up and then I'll get to the computer.\n\nI'll put you on speakerphone so I can do on the computer. No. I didn't see it. When? Yeah.\n\nI I need my Gmail. No. Okay. No. It's come through.\n\nI can see it on my phone. I'm just waiting for it to load on my desktop that takes a while. While. Okay. I've got it.\n\nOkay. Yep. I've got the document open. Okay. Mhmm.\n\nWhat Mhmm. Okay. Table. Yep. Sorry.\n\nThat's switching over, is it? Yeah. Yeah. Okay. So that gets taken out of the account.\n\nIs that right? Okay. So the switching from the current one to the new one, what benefit does it give? Like The five year rolling average, 10.47. I just downloaded the report from the net well, website for the five year rolling like, five year average.\n\nIt wasn't 10.47% at all. It was five point two seven. That's a big difference, though. Like, five five point two seven to 10.47, that's, like, half the amount. Mhmm.\n\nYep. Yeah. Yeah. I'm just comparing the 10.47 to 10.71. Like, if it's 10.47 for the general population and I'm actually only getting 5.2, then, you know, 10.71, that's probably realistically only gonna generate that amount even if it's a point 24% increment.\n\nSo No. Yes. Have you removed that, or or is that in the process? Alright. I thought you guys have already removed it.\n\nOkay. No. I understand there's market's up and down, and the average of 10.47 is just like an average across, you know, four, five years. But what I'm saying is 10.7 across five years versus 10.71 across five years is not much of an increase, really. That's what I mean.\n\nLike, point two four percent. So and then, yeah, and then I have to pay the the 1,938 for capital gains. And then because I'm looking at the table underneath lump sum in five years and you're comparing the two funds for a difference of 4,200. I've already paid 2,000 in capital gains for that. So is this new fund what is it considered conservative?\n\nOr is it because I know that there are funds where you can select to have, like, payout, like, high dividend. Is that right? I yeah. So what would you classify this this fund as? This is not conservative.\n\nNo. Okay. So this scenario under the recommended column is provided provided that I put in that extra $50. Is that right? Yeah.\n\nYeah. Okay. So did you say that this recommendation was a level three? Is that right? Okay.\n\nWhat are what is what is number four and five look like? K. Yeah. Yeah. But I'm just trying to read the table.\n\nSo on the page of on the bottom of page 23, there's a table there with the lump sum in five years, ten years, and at 60. Right? So you've got you've got the current on the that's the current balance. Is that right? No.\n\nUh-huh. Okay. So the one 90 one. Okay. Okay.\n\nSo the current, like, $2.47 is what you think it will look like in five years with the current portfolio. Right? Yeah. And then the recommended one is the $2.52 with the new fund that you recommend in five years' time. The the difference okay.\n\nThe difference between the current fund versus the new fund. I see. Okay. So this recommended fund with the risk level of three, I wonder what it would look like with a risk level of four. Mhmm.\n\nSo the recommended fund is the eighty twenty. You just say, so 80% invested in shares and 20% in what? Cash or cash fund? Fund. So 20% in bonds and 80% in shares that's for the recommended fund as an energy.\n\nOkay. So from 80 six point four to 86, there's actually less than the new fund. Okay. Run through that. Mhmm.\n\nWhy? What's happened to Vanguard? What about the iShares Asia? Sorry. Second one.\n\nYeah. I see. Okay. Okay. K.\n\nYeah. No. It's good. Yeah. Okay.\n\nOkay. Sorry. Tell me, if this when this goes ahead and I reach 60, where is that table now? Okay. So at 60 alright.\n\nAnd let's say this goes according to plan and then we reach that value of 398,000. What happens at 60? Do I take everything out, or does it get take taken does it pay out bit by bit as monthly living expenses, and how much would that be? It gets taxed there, doesn't it? It doesn't?\n\nYeah. Okay. Alright. One of the good things that I've had, all day today. Okay.\n\nIt's alright. No. Yes. And what page is that? Forty three forty four.\n\nWhen you cross out what what are you talking about? Oh, how to implement our advise? That one? Oh, 45? I mean, I see the signature bit.\n\nThat's the big box. Yeah. Yep. There's a multiline box. Yeah.\n\nOkay. Summary, sacrificing. I'm not actually taking the $50 before tax, you know, from my employer. Yeah. But then then I have to get authority from my employer first for that?\n\nOh, do you mean so instead of paying the 12 into the super account as that's the standard, you know, super contributions from an employer, they add on an extra $50 and they and they add everything into the super. So it's it's not coming out of my pay. Is that what you mean? Well, yeah, it does come out of my pay, but, like, it they do it for me. Is that what you mean?\n\nHow do I organize that? Like, how do I Okay. I didn't know I could do that. Okay. Okay.\n\nOkay. Alright. Okay. I see. I see.\n\nI see. Actually, I just have a quick one. What's your, remuneration? Can you explain that bit? Is that the is that is that different to what's currently set up at the moment?\n\nIt's always been 22%, or is it only with the new fund at 20 2%? Okay. Alright. Yeah. At the moment, it's fine.\n\nYep. Yeah. Yep. Yep. Okay.\n\n21. Yep. Yep. No insurance. So what do you mean by no insurance premium taken out from my super?\n\nWell, how would you pay the insurance premium then? So what's the alternative, ma'am? Yeah. I see. Yep.\n\nYep. Alright. Not at the moment. Actually, in that table above, life insured, why does it go Sharon Carey on this? Is that an example?\n\nAnd and the previous page as well. Okay. Okay. Alright. No worries.\n\nNo worries. That's it. Yep. All good. Yeah.\n\nI do. Yeah. Okay. Thank you. I'll wait for that document before I sign it.\n\nOkay. No worries. See you. 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while.","start":212.845,"end":215.85,"sentiment":"neutral","sentiment_score":0.09914330579340458},{"text":"While.","start":223.29001,"end":223.79001,"sentiment":"neutral","sentiment_score":0.1192253977060318},{"text":"Okay.","start":233.785,"end":234.02501,"sentiment":"neutral","sentiment_score":0.184086412191391},{"text":"I've got it.","start":234.02501,"end":234.845,"sentiment":"neutral","sentiment_score":0.28809161980946857}],"sentiment":"neutral","sentiment_score":0.20986319261674696,"num_words":26,"start":211.56499,"end":234.845},{"sentences":[{"text":"Okay.","start":261.495,"end":261.995,"sentiment":"neutral","sentiment_score":0.08181560784578323},{"text":"Yep.","start":262.055,"end":262.535,"sentiment":"neutral","sentiment_score":0.10153041779994965},{"text":"I've got the document open.","start":262.535,"end":264.155,"sentiment":"neutral","sentiment_score":0.19739738404750823},{"text":"Okay.","start":295.32,"end":295.82,"sentiment":"neutral","sentiment_score":0.03598850965499878},{"text":"Mhmm.","start":371.41998,"end":371.91998,"sentiment":"neutral","sentiment_score":0.07714826613664627}],"sentiment":"neutral","sentiment_score":0.14260774685276878,"num_words":9,"start":261.495,"end":371.91998},{"sentences":[{"text":"What Mhmm.","start":401.545,"end":452.05002,"sentiment":"neutral","sentiment_score":0.07962165866047145},{"text":"Okay.","start":463.085,"end":463.585,"sentiment":"neutral","sentiment_score":0.117003932595253},{"text":"Table.","start":466.89,"end":467.39,"sentiment":"neutral","sentiment_score":0.09579341113567352},{"text":"Yep.","start":472.89752,"end":473.39752,"sentiment":"neutral","sentiment_score":0.08193314075469971},{"text":"Sorry.","start":592.61005,"end":592.93,"sentiment":"neutral","sentiment_score":-0.04280238598585129}],"sentiment":"neutral","sentiment_score":0.06852856930345298,"num_words":6,"start":401.545,"end":592.93},{"sentences":[{"text":"That's switching over, is it?","start":592.93,"end":594.71,"sentiment":"neutral","sentiment_score":-0.03146131709218025},{"text":"Yeah.","start":600.69,"end":601.09,"sentiment":"neutral","sentiment_score":0.015655215829610825},{"text":"Yeah.","start":601.09,"end":601.575,"sentiment":"neutral","sentiment_score":0.05223699286580086},{"text":"Okay.","start":611.815,"end":612.295,"sentiment":"neutral","sentiment_score":0.004584936425089836},{"text":"So that gets taken out of the account.","start":612.295,"end":615.68,"sentiment":"neutral","sentiment_score":-0.0743900986853987}],"sentiment":"neutral","sentiment_score":-0.04249688936397433,"num_words":16,"start":592.93,"end":615.68},{"sentences":[{"text":"Is that right?","start":616.14,"end":616.96,"sentiment":"neutral","sentiment_score":-0.008595608795682589},{"text":"Okay.","start":645.93,"end":646.33,"sentiment":"neutral","sentiment_score":0.07932425290346146},{"text":"So the switching from the current one to the new one, what benefit does it give?","start":646.33,"end":653.775,"sentiment":"neutral","sentiment_score":0.08863337920047343},{"text":"Like The five year rolling average, 10.47.","start":654.09503,"end":717.81,"sentiment":"neutral","sentiment_score":0.22718999747719085},{"text":"I just downloaded the report from the net well, website for the five year rolling like, five year average.","start":717.89,"end":726.85,"sentiment":"neutral","sentiment_score":0.23009972588012093}],"sentiment":"neutral","sentiment_score":0.161606440604057,"num_words":46,"start":616.14,"end":726.85},{"sentences":[{"text":"It wasn't 10.47% at all.","start":726.85,"end":730.15,"sentiment":"neutral","sentiment_score":0.08048624694347381},{"text":"It was five point two seven.","start":730.315,"end":732.015,"sentiment":"neutral","sentiment_score":0.0147849190980196},{"text":"That's a big difference, though.","start":778.68,"end":780.3,"sentiment":"neutral","sentiment_score":0.03978758864104748},{"text":"Like, five five point two seven to 10.47, that's, like, half the amount.","start":780.84,"end":785.935,"sentiment":"neutral","sentiment_score":0.09375608741090848},{"text":"Mhmm.","start":815.385,"end":815.885,"sentiment":"neutral","sentiment_score":0.04393719136714935}],"sentiment":"neutral","sentiment_score":0.06509483400732279,"num_words":30,"start":726.85,"end":815.885},{"sentences":[{"text":"Yep.","start":888.055,"end":888.555,"sentiment":"neutral","sentiment_score":-0.058173637837171555},{"text":"Yeah.","start":949.57,"end":950.07,"sentiment":"neutral","sentiment_score":0.08135222643613815},{"text":"Yeah.","start":950.45,"end":950.95,"sentiment":"neutral","sentiment_score":0.06340757012367249},{"text":"I'm just comparing the 10.47 to 10.71.","start":951.17,"end":954.665,"sentiment":"neutral","sentiment_score":-0.0007935031317174435},{"text":"Like, if it's 10.47 for the general population and I'm actually only getting 5.2, then, you know, 10.71, that's probably realistically only gonna generate that amount even if it's a point 24% increment.","start":954.725,"end":968.825,"sentiment":"neutral","sentiment_score":0.03187587010589513}],"sentiment":"neutral","sentiment_score":0.026347333727794332,"num_words":43,"start":888.055,"end":968.825},{"sentences":[{"text":"So No.","start":979.34,"end":989.455,"sentiment":"neutral","sentiment_score":-0.17210397496819496},{"text":"Yes.","start":1012.90497,"end":1013.40497,"sentiment":"neutral","sentiment_score":0.14197403192520142},{"text":"Have you removed that, or or is that in the process?","start":1060.5651,"end":1063.2251,"sentiment":"neutral","sentiment_score":-0.07135029949925163},{"text":"Alright.","start":1066.5651,"end":1066.9651,"sentiment":"neutral","sentiment_score":-0.0027421987615525723},{"text":"I thought you guys have already removed it.","start":1066.9651,"end":1071.26,"sentiment":"neutral","sentiment_score":-0.12218047678470612}],"sentiment":"neutral","sentiment_score":-0.08553361850183296,"num_words":23,"start":979.34,"end":1071.26},{"sentences":[{"text":"Okay.","start":1071.64,"end":1072.14,"sentiment":"neutral","sentiment_score":-0.05363178998231888},{"text":"No.","start":1072.44,"end":1072.6,"sentiment":"neutral","sentiment_score":-0.09289301931858064},{"text":"I understand there's market's up and down, and the average of 10.47 is just like an average across, you know, four, five years.","start":1072.6,"end":1080.0599,"sentiment":"neutral","sentiment_score":-0.09173749324501208},{"text":"But what I'm saying is 10.7 across five years versus 10.71 across five years is not much of an increase, really.","start":1081.0,"end":1087.775,"sentiment":"neutral","sentiment_score":-0.3160689153841564},{"text":"That's what I mean.","start":1088.715,"end":1089.775,"sentiment":"neutral","sentiment_score":-0.12609727680683136}],"sentiment":"neutral","sentiment_score":-0.18796646968461572,"num_words":50,"start":1071.64,"end":1089.775},{"sentences":[{"text":"Like, point two four percent.","start":1089.835,"end":1092.095,"sentiment":"neutral","sentiment_score":-0.0338557418435812},{"text":"So and then, yeah, and then I have to pay the the 1,938 for capital gains.","start":1093.755,"end":1100.8401,"sentiment":"neutral","sentiment_score":-0.01853206375380978},{"text":"And then because I'm looking at the table underneath lump sum in five years and you're comparing the two funds for a difference of 4,200.","start":1104.18,"end":1113.875,"sentiment":"neutral","sentiment_score":-0.02773603431880474},{"text":"I've already paid 2,000 in capital gains for that.","start":1113.935,"end":1118.755,"sentiment":"neutral","sentiment_score":-0.05046838977270656},{"text":"So is this new fund what is it considered conservative?","start":1119.135,"end":1124.755,"sentiment":"neutral","sentiment_score":-0.10984313786029816}],"sentiment":"neutral","sentiment_score":-0.04172060728932803,"num_words":65,"start":1089.835,"end":1124.755},{"sentences":[{"text":"Or is it because I know that there are funds where you can select to have, like, payout, like, high dividend.","start":1125.44,"end":1138.1,"sentiment":"neutral","sentiment_score":-0.1653521213503111},{"text":"Is that right?","start":1139.84,"end":1140.795,"sentiment":"neutral","sentiment_score":-0.0656627689798673},{"text":"I yeah.","start":1148.9551,"end":1150.175,"sentiment":"neutral","sentiment_score":0.05304015427827835},{"text":"So what would you classify this this fund as?","start":1183.32,"end":1187.24,"sentiment":"neutral","sentiment_score":0.00916964022649659},{"text":"This is not conservative.","start":1187.24,"end":1188.2999,"sentiment":"negative","sentiment_score":-0.45858234167099}],"sentiment":"neutral","sentiment_score":-0.13628474747141203,"num_words":39,"start":1125.44,"end":1188.2999},{"sentences":[{"text":"No.","start":1214.71,"end":1215.21,"sentiment":"neutral","sentiment_score":-0.10238326340913773},{"text":"Okay.","start":1328.0399,"end":1328.5399,"sentiment":"neutral","sentiment_score":0.1288788914680481},{"text":"So this scenario under the recommended column is provided provided that I put in that extra $50.","start":1328.6,"end":1337.32,"sentiment":"neutral","sentiment_score":0.12025121117339414},{"text":"Is that right?","start":1337.32,"end":1338.14,"sentiment":"neutral","sentiment_score":0.13813641667366028},{"text":"Yeah.","start":1455.35,"end":1455.85,"sentiment":"neutral","sentiment_score":-0.07072833180427551}],"sentiment":"neutral","sentiment_score":0.104975962444492,"num_words":23,"start":1214.71,"end":1455.85},{"sentences":[{"text":"Yeah.","start":1488.98,"end":1489.48,"sentiment":"neutral","sentiment_score":0.058385223150253296},{"text":"Okay.","start":1591.555,"end":1592.055,"sentiment":"neutral","sentiment_score":0.06167333200573921},{"text":"So did you say that this recommendation was a level three?","start":1593.155,"end":1597.095,"sentiment":"neutral","sentiment_score":0.03945472091436386},{"text":"Is that right?","start":1597.395,"end":1598.16,"sentiment":"neutral","sentiment_score":0.058552092562119164},{"text":"Okay.","start":1605.36,"end":1605.86,"sentiment":"neutral","sentiment_score":0.0056169116869568825}],"sentiment":"neutral","sentiment_score":0.04325492203454761,"num_words":17,"start":1488.98,"end":1605.86},{"sentences":[{"text":"What are what is what is number four and five look like?","start":1605.92,"end":1608.98,"sentiment":"neutral","sentiment_score":0.010778196078414718},{"text":"K.","start":1665.025,"end":1665.525,"sentiment":"neutral","sentiment_score":0.06184090673923493},{"text":"Yeah.","start":1665.745,"end":1666.245,"sentiment":"neutral","sentiment_score":0.05088377743959427},{"text":"Yeah.","start":1666.305,"end":1666.805,"sentiment":"neutral","sentiment_score":0.04713403433561325},{"text":"But I'm just trying to read the table.","start":1667.105,"end":1669.125,"sentiment":"neutral","sentiment_score":-0.07149465288966894}],"sentiment":"neutral","sentiment_score":-0.012293919637475325,"num_words":23,"start":1605.92,"end":1669.125},{"sentences":[{"text":"So on the page of on the bottom of page 23, there's a table there with the lump sum in five years, ten years, and at 60.","start":1673.5851,"end":1680.56,"sentiment":"neutral","sentiment_score":0.005954569792030034},{"text":"Right?","start":1680.56,"end":1681.06,"sentiment":"neutral","sentiment_score":0.016913793981075287},{"text":"So you've got you've got the current on the that's the current balance.","start":1681.68,"end":1688.195,"sentiment":"neutral","sentiment_score":0.034797549391022094},{"text":"Is that right?","start":1688.335,"end":1689.155,"sentiment":"neutral","sentiment_score":0.04890559675792853},{"text":"No.","start":1691.855,"end":1692.355,"sentiment":"neutral","sentiment_score":-0.06751741468906403}],"sentiment":"neutral","sentiment_score":0.01576121546741989,"num_words":45,"start":1673.5851,"end":1692.355},{"sentences":[{"text":"Uh-huh.","start":1701.375,"end":1701.875,"sentiment":"neutral","sentiment_score":0.004362617619335651},{"text":"Okay.","start":1705.8501,"end":1706.3501,"sentiment":"neutral","sentiment_score":0.03531810641288757},{"text":"So the one 90 one.","start":1706.41,"end":1707.9501,"sentiment":"neutral","sentiment_score":0.05574730932712555},{"text":"Okay.","start":1708.65,"end":1709.15,"sentiment":"neutral","sentiment_score":0.06671403348445892},{"text":"Okay.","start":1718.905,"end":1719.305,"sentiment":"neutral","sentiment_score":0.0647016167640686}],"sentiment":"neutral","sentiment_score":0.04998143565737539,"num_words":9,"start":1701.375,"end":1719.305},{"sentences":[{"text":"So the current, like, $2.47 is what you think it will look like in five years with the current portfolio.","start":1719.305,"end":1727.1799,"sentiment":"neutral","sentiment_score":0.0827237393707037},{"text":"Right?","start":1727.96,"end":1728.46,"sentiment":"neutral","sentiment_score":0.09167928993701936},{"text":"Yeah.","start":1731.7999,"end":1732.2,"sentiment":"neutral","sentiment_score":0.14812147617340088},{"text":"And then the recommended one is the $2.52 with the new fund that you recommend in five years' time.","start":1732.2,"end":1740.755,"sentiment":"neutral","sentiment_score":0.13617066980192535},{"text":"The the difference okay.","start":1742.9751,"end":1747.295,"sentiment":"neutral","sentiment_score":0.017301750369369984}],"sentiment":"neutral","sentiment_score":0.10112722847196791,"num_words":45,"start":1719.305,"end":1747.295},{"sentences":[{"text":"The difference between the current fund versus the new fund.","start":1747.295,"end":1752.895,"sentiment":"neutral","sentiment_score":-0.03438144475221634},{"text":"I see.","start":1752.895,"end":1753.23,"sentiment":"neutral","sentiment_score":-0.008900268003344536},{"text":"Okay.","start":1754.51,"end":1755.01,"sentiment":"neutral","sentiment_score":0.016456948593258858},{"text":"So this recommended fund with the risk level of three, I wonder what it would look like with a risk level of four.","start":1868.245,"end":1888.44,"sentiment":"neutral","sentiment_score":-0.036845895583214966},{"text":"Mhmm.","start":1916.29,"end":1916.79,"sentiment":"neutral","sentiment_score":-0.023808825761079788}],"sentiment":"neutral","sentiment_score":-0.03287628267866534,"num_words":37,"start":1747.295,"end":1916.79},{"sentences":[{"text":"So the recommended fund is the eighty twenty.","start":1922.835,"end":1925.475,"sentiment":"neutral","sentiment_score":0.0429418720304966},{"text":"You just say, so 80% invested in shares and 20% in what?","start":1925.475,"end":1931.875,"sentiment":"neutral","sentiment_score":0.027134218874077003},{"text":"Cash or cash fund?","start":1931.875,"end":1937.02,"sentiment":"neutral","sentiment_score":-0.0012461922597140074},{"text":"Fund.","start":1939.72,"end":1940.04,"sentiment":"neutral","sentiment_score":0.01387137733399868},{"text":"So 20% in bonds and 80% in shares that's for the recommended fund as an energy.","start":1940.04,"end":1948.825,"sentiment":"neutral","sentiment_score":0.03217892500106245}],"sentiment":"neutral","sentiment_score":0.02909500026939119,"num_words":41,"start":1922.835,"end":1948.825},{"sentences":[{"text":"Okay.","start":1968.18,"end":1968.68,"sentiment":"neutral","sentiment_score":0.08548207581043243},{"text":"So from 80 six point four to 86, there's actually less than the new fund.","start":2028.495,"end":2040.1699,"sentiment":"neutral","sentiment_score":-0.03686922118067741},{"text":"Okay.","start":2097.46,"end":2097.96,"sentiment":"neutral","sentiment_score":0.015435833483934402},{"text":"Run through that.","start":2098.605,"end":2099.665,"sentiment":"neutral","sentiment_score":0.00849655798325936},{"text":"Mhmm.","start":2222.75,"end":2223.25,"sentiment":"neutral","sentiment_score":0.021599721163511276}],"sentiment":"neutral","sentiment_score":-0.019287191109643095,"num_words":21,"start":1968.18,"end":2223.25},{"sentences":[{"text":"Why?","start":2238.91,"end":2239.41,"sentiment":"neutral","sentiment_score":-0.02677927166223526},{"text":"What's happened to Vanguard?","start":2240.27,"end":2241.57,"sentiment":"neutral","sentiment_score":-0.0020574763184413314},{"text":"What about the iShares Asia?","start":2265.9648,"end":2269.6099,"sentiment":"neutral","sentiment_score":0.007555180136114359},{"text":"Sorry.","start":2269.6099,"end":2270.1099,"sentiment":"neutral","sentiment_score":-0.028431903570890427},{"text":"Second one.","start":2272.49,"end":2273.21,"sentiment":"neutral","sentiment_score":-0.006018123123794794}],"sentiment":"neutral","sentiment_score":-0.002900109697992985,"num_words":13,"start":2238.91,"end":2273.21},{"sentences":[{"text":"Yeah.","start":2273.21,"end":2273.71,"sentiment":"neutral","sentiment_score":-0.014268362894654274},{"text":"I 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good.","start":2532.35,"end":2533.09,"sentiment":"neutral","sentiment_score":-0.07368721067905426},{"text":"Yeah.","start":2581.3699,"end":2581.6099,"sentiment":"neutral","sentiment_score":0.12200851738452911},{"text":"Okay.","start":2581.6099,"end":2582.1099,"sentiment":"neutral","sentiment_score":0.1026441752910614}],"sentiment":"neutral","sentiment_score":-0.010271264861027399,"num_words":6,"start":2531.71,"end":2582.1099},{"sentences":[{"text":"Okay.","start":2583.21,"end":2583.71,"sentiment":"neutral","sentiment_score":0.07999381422996521},{"text":"Sorry.","start":2585.2898,"end":2585.7898,"sentiment":"neutral","sentiment_score":0.0322536900639534},{"text":"Tell me, if this when this goes ahead and I reach 60, where is that table now?","start":2586.0898,"end":2593.515,"sentiment":"neutral","sentiment_score":0.04791575626415365},{"text":"Okay.","start":2603.415,"end":2603.91,"sentiment":"neutral","sentiment_score":0.0270359106361866},{"text":"So at 60 alright.","start":2604.47,"end":2606.15,"sentiment":"neutral","sentiment_score":0.03482362302020192}],"sentiment":"neutral","sentiment_score":0.045547740145896874,"num_words":24,"start":2583.21,"end":2606.15},{"sentences":[{"text":"And let's say this goes according to plan and then we reach that value of 398,000.","start":2606.15,"end":2612.41,"sentiment":"neutral","sentiment_score":0.03674546198453754},{"text":"What happens at 60?","start":2614.8699,"end":2615.955,"sentiment":"neutral","sentiment_score":-0.004502639640122652},{"text":"Do I take everything out, or does it get take taken does it pay out bit by bit as monthly living expenses, and how much would that be?","start":2615.955,"end":2623.8152,"sentiment":"neutral","sentiment_score":0.003936737476448927},{"text":"It gets taxed there, doesn't it?","start":2707.9001,"end":2709.76,"sentiment":"neutral","sentiment_score":-0.0169899957254529},{"text":"It doesn't?","start":2711.1802,"end":2711.9202,"sentiment":"neutral","sentiment_score":-0.0907268188893795}],"sentiment":"neutral","sentiment_score":0.007084854828592922,"num_words":56,"start":2606.15,"end":2711.9202},{"sentences":[{"text":"Yeah.","start":2718.775,"end":2719.275,"sentiment":"neutral","sentiment_score":0.10518965125083923},{"text":"Okay.","start":2766.115,"end":2766.615,"sentiment":"neutral","sentiment_score":0.23370584845542908},{"text":"Alright.","start":2767.075,"end":2767.575,"sentiment":"neutral","sentiment_score":0.3147618770599365},{"text":"One of the good things that I've had, all day today.","start":2770.2751,"end":2774.215,"sentiment":"positive","sentiment_score":0.7323438687758013},{"text":"Okay.","start":2775.78,"end":2776.28,"sentiment":"neutral","sentiment_score":0.3320330083370209}],"sentiment":"positive","sentiment_score":0.6027648627758027,"num_words":15,"start":2718.775,"end":2776.28},{"sentences":[{"text":"It's alright.","start":2776.9001,"end":2777.56,"sentiment":"positive","sentiment_score":0.40874461829662323},{"text":"No.","start":2837.92,"end":2838.225,"sentiment":"neutral","sentiment_score":-0.25421708822250366},{"text":"Yes.","start":2845.185,"end":2845.685,"sentiment":"neutral","sentiment_score":-0.121834896504879},{"text":"And what page is that?","start":2869.2148,"end":2870.755,"sentiment":"neutral","sentiment_score":-0.03237691596150398},{"text":"Forty three forty four.","start":2897.175,"end":2902.83,"sentiment":"neutral","sentiment_score":0.003030627267435193}],"sentiment":"neutral","sentiment_score":0.02243655239446805,"num_words":13,"start":2776.9001,"end":2902.83},{"sentences":[{"text":"When you cross out what what are you talking about?","start":2905.05,"end":2907.47,"sentiment":"neutral","sentiment_score":0.0020787124522030354},{"text":"Oh, how to implement our advise?","start":2918.1848,"end":2919.9448,"sentiment":"neutral","sentiment_score":0.008681701341023048},{"text":"That one?","start":2919.9448,"end":2920.6848,"sentiment":"neutral","sentiment_score":0.002813211642205715},{"text":"Oh, 45?","start":2929.04,"end":2930.42,"sentiment":"neutral","sentiment_score":-0.004424252547323704},{"text":"I mean, I see the signature bit.","start":2937.76,"end":2939.94,"sentiment":"neutral","sentiment_score":-0.02564284418310438}],"sentiment":"neutral","sentiment_score":-0.004068320686066592,"num_words":27,"start":2905.05,"end":2939.94},{"sentences":[{"text":"That's the big box.","start":2940.0,"end":2941.275,"sentiment":"neutral","sentiment_score":-0.014396425802260637},{"text":"Yeah.","start":2948.395,"end":2948.7148,"sentiment":"neutral","sentiment_score":0.030106212943792343},{"text":"Yep.","start":2948.7148,"end":2948.9548,"sentiment":"neutral","sentiment_score":0.05819758027791977},{"text":"There's a multiline box.","start":2948.9548,"end":2950.315,"sentiment":"neutral","sentiment_score":0.04421164654195309},{"text":"Yeah.","start":2950.315,"end":2950.815,"sentiment":"neutral","sentiment_score":0.06790956854820251}],"sentiment":"neutral","sentiment_score":0.02504311315715313,"num_words":11,"start":2940.0,"end":2950.815},{"sentences":[{"text":"Okay.","start":2962.6501,"end":2963.1501,"sentiment":"neutral","sentiment_score":0.01848217099905014},{"text":"Summary, sacrificing.","start":2963.37,"end":2964.51,"sentiment":"neutral","sentiment_score":-0.09092988958582282},{"text":"I'm not actually taking the $50 before tax, you know, from my employer.","start":2964.6501,"end":2972.585,"sentiment":"neutral","sentiment_score":-0.17146356059954718},{"text":"Yeah.","start":2982.7898,"end":2983.19,"sentiment":"neutral","sentiment_score":0.1512494683265686},{"text":"But then then I have to get authority from my employer first for that?","start":2983.19,"end":2987.45,"sentiment":"neutral","sentiment_score":0.08121098311884063}],"sentiment":"neutral","sentiment_score":-0.0356193762573023,"num_words":31,"start":2962.6501,"end":2987.45},{"sentences":[{"text":"Oh, do you mean so instead of paying the 12 into the super account as that's the standard, you know, super contributions from an employer, they add on an extra $50 and they and they add everything into the super.","start":3017.38,"end":3031.825,"sentiment":"neutral","sentiment_score":0.1255429795011878},{"text":"So it's it's not coming out of my pay.","start":3031.825,"end":3034.065,"sentiment":"neutral","sentiment_score":0.03531773346993658},{"text":"Is that what you mean?","start":3034.065,"end":3034.95,"sentiment":"neutral","sentiment_score":0.021181533858180047},{"text":"Well, yeah, it does come out of my pay, but, like, it they do it for me.","start":3036.23,"end":3040.55,"sentiment":"neutral","sentiment_score":0.1489592446562122},{"text":"Is that what you mean?","start":3040.55,"end":3041.6099,"sentiment":"neutral","sentiment_score":0.11666465103626251}],"sentiment":"neutral","sentiment_score":0.11264627453822054,"num_words":76,"start":3017.38,"end":3041.6099},{"sentences":[{"text":"How do I organize that?","start":3059.685,"end":3061.2852,"sentiment":"neutral","sentiment_score":0.10353897511959076},{"text":"Like, how do I Okay.","start":3061.2852,"end":3081.905,"sentiment":"neutral","sentiment_score":0.06275612190365791},{"text":"I didn't know I could do that.","start":3081.905,"end":3083.525,"sentiment":"neutral","sentiment_score":-0.15709571753229415},{"text":"Okay.","start":3087.2651,"end":3087.7651,"sentiment":"neutral","sentiment_score":-0.12107734382152556},{"text":"Okay.","start":3088.865,"end":3089.365,"sentiment":"neutral","sentiment_score":-0.01968538388609886}],"sentiment":"neutral","sentiment_score":-0.02152406659565474,"num_words":19,"start":3059.685,"end":3089.365},{"sentences":[{"text":"Okay.","start":3089.73,"end":3090.23,"sentiment":"neutral","sentiment_score":0.034793123602867126},{"text":"Alright.","start":3090.93,"end":3091.43,"sentiment":"neutral","sentiment_score":0.06358465552330017},{"text":"Okay.","start":3094.29,"end":3094.79,"sentiment":"neutral","sentiment_score":0.030645275488495827},{"text":"I see.","start":3094.93,"end":3095.67,"sentiment":"neutral","sentiment_score":0.0060698091983795175},{"text":"I see.","start":3095.73,"end":3096.13,"sentiment":"neutral","sentiment_score":-0.004655872005969285}],"sentiment":"neutral","sentiment_score":0.018835846999926225,"num_words":7,"start":3089.73,"end":3096.13},{"sentences":[{"text":"I see.","start":3096.13,"end":3096.88,"sentiment":"neutral","sentiment_score":-0.004388557747006416},{"text":"Actually, I just have a quick one.","start":3156.885,"end":3158.325,"sentiment":"neutral","sentiment_score":0.06294018775224686},{"text":"What's your, remuneration?","start":3158.325,"end":3160.345,"sentiment":"neutral","sentiment_score":0.036889695872863136},{"text":"Can you explain that bit?","start":3160.805,"end":3162.265,"sentiment":"neutral","sentiment_score":0.02958870679140091},{"text":"Is that the is that is that different to what's currently set up at the moment?","start":3218.64,"end":3227.215,"sentiment":"neutral","sentiment_score":-0.05169668374583125}],"sentiment":"neutral","sentiment_score":-0.004143336957151239,"num_words":33,"start":3096.13,"end":3227.215},{"sentences":[{"text":"It's always been 22%, or is it only with the new fund at 20 2%?","start":3227.215,"end":3232.5952,"sentiment":"neutral","sentiment_score":-0.05939210106929143},{"text":"Okay.","start":3235.135,"end":3235.5,"sentiment":"neutral","sentiment_score":0.025931617245078087},{"text":"Alright.","start":3339.13,"end":3339.63,"sentiment":"neutral","sentiment_score":0.18948090076446533},{"text":"Yeah.","start":3348.81,"end":3349.29,"sentiment":"neutral","sentiment_score":0.20222315192222595},{"text":"At the moment, it's fine.","start":3349.29,"end":3350.83,"sentiment":"neutral","sentiment_score":0.24273596704006195}],"sentiment":"neutral","sentiment_score":0.032192782134465546,"num_words":23,"start":3227.215,"end":3350.83},{"sentences":[{"text":"Yep.","start":3352.01,"end":3352.51,"sentiment":"neutral","sentiment_score":0.2830098867416382},{"text":"Yeah.","start":3399.1301,"end":3399.6301,"sentiment":"neutral","sentiment_score":0.09425678849220276},{"text":"Yep.","start":3405.535,"end":3406.035,"sentiment":"neutral","sentiment_score":0.10387922823429108},{"text":"Yep.","start":3413.375,"end":3413.875,"sentiment":"neutral","sentiment_score":0.11274942010641098},{"text":"Okay.","start":3414.255,"end":3414.755,"sentiment":"neutral","sentiment_score":0.11371083557605743}],"sentiment":"neutral","sentiment_score":0.14152123183012008,"num_words":5,"start":3352.01,"end":3414.755},{"sentences":[{"text":"21.","start":3448.47,"end":3449.45,"sentiment":"neutral","sentiment_score":0.024774225428700447},{"text":"Yep.","start":3449.51,"end":3450.01,"sentiment":"neutral","sentiment_score":0.04047520458698273},{"text":"Yep.","start":3458.79,"end":3459.195,"sentiment":"neutral","sentiment_score":0.04987366124987602},{"text":"No insurance.","start":3502.2,"end":3502.94,"sentiment":"neutral","sentiment_score":-0.24662792682647705},{"text":"So what do you mean by no insurance premium taken out from my super?","start":3504.44,"end":3509.98,"sentiment":"neutral","sentiment_score":-0.05630242957600525}],"sentiment":"neutral","sentiment_score":-0.061387725076393077,"num_words":19,"start":3448.47,"end":3509.98},{"sentences":[{"text":"Well, how would you pay the insurance premium then?","start":3510.4448,"end":3512.9448,"sentiment":"neutral","sentiment_score":-0.1213383711874485},{"text":"So what's the alternative, ma'am?","start":3588.535,"end":3590.395,"sentiment":"neutral","sentiment_score":-0.08663741052150727},{"text":"Yeah.","start":3609.67,"end":3610.065,"sentiment":"neutral","sentiment_score":0.01060095988214016},{"text":"I see.","start":3644.095,"end":3644.755,"sentiment":"neutral","sentiment_score":-0.07758522592484951},{"text":"Yep.","start":3653.3901,"end":3653.79,"sentiment":"neutral","sentiment_score":0.05952037125825882}],"sentiment":"neutral","sentiment_score":-0.08946008411132628,"num_words":18,"start":3510.4448,"end":3653.79},{"sentences":[{"text":"Yep.","start":3653.79,"end":3654.29,"sentiment":"neutral","sentiment_score":0.13398557901382446},{"text":"Alright.","start":3669.955,"end":3670.455,"sentiment":"neutral","sentiment_score":-0.01618044078350067},{"text":"Not at the moment.","start":3670.5151,"end":3671.575,"sentiment":"neutral","sentiment_score":-0.09303981065750122},{"text":"Actually, in that table above, life insured, why does it go Sharon Carey on this?","start":3677.5798,"end":3685.0999,"sentiment":"neutral","sentiment_score":-0.029973529155055682},{"text":"Is that an example?","start":3685.0999,"end":3686.16,"sentiment":"neutral","sentiment_score":-0.03780311462469399}],"sentiment":"neutral","sentiment_score":-0.03420678000897169,"num_words":25,"start":3653.79,"end":3686.16},{"sentences":[{"text":"And and the previous page as well.","start":3694.475,"end":3696.735,"sentiment":"neutral","sentiment_score":-0.010234714884843146},{"text":"Okay.","start":3704.4502,"end":3704.9502,"sentiment":"neutral","sentiment_score":-0.05701468884944916},{"text":"Okay.","start":3733.68,"end":3734.18,"sentiment":"neutral","sentiment_score":0.07091644406318665},{"text":"Alright.","start":3734.3198,"end":3734.8198,"sentiment":"neutral","sentiment_score":0.11293862760066986},{"text":"No worries.","start":3735.2,"end":3735.8599,"sentiment":"neutral","sentiment_score":0.1725224182009697}],"sentiment":"neutral","sentiment_score":0.03335351791853706,"num_words":12,"start":3694.475,"end":3735.8599},{"sentences":[{"text":"No worries.","start":3741.2,"end":3741.76,"sentiment":"neutral","sentiment_score":0.03970012068748474},{"text":"That's it.","start":3741.76,"end":3742.755,"sentiment":"neutral","sentiment_score":0.03480996936559677},{"text":"Yep.","start":3748.095,"end":3748.4949,"sentiment":"neutral","sentiment_score":0.166734978556633},{"text":"All good.","start":3748.4949,"end":3749.2349,"sentiment":"positive","sentiment_score":0.37219732999801636},{"text":"Yeah.","start":3756.815,"end":3757.135,"sentiment":"neutral","sentiment_score":0.06823931634426117}],"sentiment":"neutral","sentiment_score":0.14104864187538624,"num_words":8,"start":3741.2,"end":3757.135},{"sentences":[{"text":"I do.","start":3757.135,"end":3757.59,"sentiment":"neutral","sentiment_score":0.1019161008298397},{"text":"Yeah.","start":3757.9102,"end":3758.4102,"sentiment":"neutral","sentiment_score":0.14419782161712646},{"text":"Okay.","start":3763.51,"end":3763.99,"sentiment":"neutral","sentiment_score":0.14316460490226746},{"text":"Thank you.","start":3763.99,"end":3764.55,"sentiment":"neutral","sentiment_score":0.23266230523586273},{"text":"I'll wait for that document before I sign it.","start":3764.55,"end":3766.97,"sentiment":"neutral","sentiment_score":0.12354703578684065}],"sentiment":"neutral","sentiment_score":0.13789617071549098,"num_words":15,"start":3757.135,"end":3766.97},{"sentences":[{"text":"Okay.","start":3773.097,"end":3773.2568,"sentiment":"neutral","sentiment_score":0.11976304650306702},{"text":"No worries.","start":3773.2568,"end":3774.077,"sentiment":"neutral","sentiment_score":0.12085562944412231},{"text":"See you.","start":3774.697,"end":3775.357,"sentiment":"neutral","sentiment_score":0.16946346312761307},{"text":"Bye.","start":3775.897,"end":3776.397,"sentiment":"neutral","sentiment_score":0.07414755970239639}],"sentiment":"neutral","sentiment_score":0.12909146522482237,"num_words":6,"start":3773.097,"end":3776.397}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Catherine. It's Dana from Okey Financial. How are you this afternoon?\n\nChannel 1: Hello? Good. Thank you.\n\nChannel 0: That's good. I had you booked in to go through your updated statement of advice to to make some changes to your investments. Is now still a good time here for you?\n\nChannel 1: Yes.\n\nChannel 0: Fan fantastic. How's your day being so far?\n\nChannel 1: Sure. Busy as usual.\n\nChannel 0: Yeah? No. All good. Well, I'll try not to take up too much of your time there. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for me to proceed with that?\n\nChannel 1: Yeah. Yeah. That's fine.\n\nChannel 0: Beautiful. And just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Catherine Qui. 09/14/1978. 2 Catalina Cove, Mainland.\n\nChannel 0: Beautiful. Thank you so much for that. Catherine, I do send through the email to you with the statement of advice document attached. Are you able to access your email and pull that one up at all?\n\nChannel 1: Oh, did you only just recently send it?\n\nChannel 0: Yeah. Just then. I send it when\n\nChannel 1: Oh,\n\nChannel 0: I give\n\nChannel 1: just\n\nChannel 0: you\n\nChannel 1: send.\n\nChannel 0: a call. Yeah.\n\nChannel 1: Oh, okay. Let me get to my computer. Hang on a\n\nChannel 0: That's\n\nChannel 1: second.\n\nChannel 0: that's okay. If you're making a coffee, you're welcome to to grab that. That's fine.\n\nChannel 1: Oh, it's just putting the dishes away. So\n\nChannel 0: Oh, okay. No. That's alright.\n\nChannel 1: let me just get a shot up and then I'll get to the\n\nChannel 0: That's okay. That's not a problem at all.\n\nChannel 1: computer. I'll put you on speakerphone so I can do on the computer.\n\nChannel 0: Nice. Not a problem at all. When you do get into your emails there, it should've come through from OdooSign and ordainer@oqfinancial. Has that come through there to you at all?\n\nChannel 1: No. I didn't see it. When?\n\nChannel 0: No. Double check your junk mail as well.\n\nChannel 1: Yeah. I I need my Gmail.\n\nChannel 0: Nothing?\n\nChannel 1: No.\n\nChannel 0: Okay. I can go back in and press resend to see if that's the problem. It might also just take a little bit a little bit of time.\n\nChannel 1: Okay.\n\nChannel 0: I've just pressed resend to see if it comes through to you there again. And, yeah, I've got your email the same as the last we used. It's quickly@hotmail.com. There's no changes to that at all?\n\nChannel 1: No. It's\n\nChannel 0: No.\n\nChannel 1: come\n\nChannel 0: That's\n\nChannel 1: through.\n\nChannel 0: yep. Beautiful.\n\nChannel 1: I can see it on my phone. I'm just waiting for it to load on my desktop that takes a while.\n\nChannel 0: That's okay.\n\nChannel 1: While. Okay. I've got it.\n\nChannel 0: Beautiful. So when you open the email there, it does have a little button that says sign here or sign to complete or sign now. You just click on that button so you can move forward through the document. When you click on that button, it takes you to the next screen, which will have the actual statement of advice then. It lets you go through the pages individually.\n\nChannel 1: Okay. Yep. I've got\n\nChannel 0: Yep.\n\nChannel 1: the document\n\nChannel 0: Beautiful.\n\nChannel 1: open.\n\nChannel 0: Excellent. So the first page of the document there, the front page, it does say statement of advice prepared for yourself as of the 08/25/2026. All of our advice is valid for sixty days. So we date it for the date of the actual presentation there. On the bottom of the front page, it has my details.\n\nSo I'm also as representative of Ophi Financial and a licensed financial adviser through ASIC, and my registration number is 13 oh, sorry. 1304394. Okay? The next page\n\nChannel 1: Okay.\n\nChannel 0: as you are sort of scrolling through, I'll take you through these a little bit more briefly. But the next page, Alan, the best interest duties is just noting that we do act in your best interest. Any advice we do provide is there to meet your goals. The following page continues forward to the table of contents, and then we have the scoping in and out areas. So, essentially, with this advice piece, we're looking at superannuation.\n\nWe're also looking to retain your insurances exactly as they are because you are on an income protection claim as well as working part time. But we've scoped them in because the insurances have to be factored in. They are paid out of your super, so it does have an effect on your on your retirement. And so it has been factored into the projection table for that purpose there. Okay?\n\nWe've also got the estate planning side of things. So I've scoped that in. Just because you don't have a will and power of attorney up to date, it is definitely something to consider doing. I've scoped out the beneficiaries because you have those in place on your super and your life insurance policy, and you are happy with how they were noted. But we scoped in your state planning, noting it is important that you do speak to a solicitor and draft up a will and power of attorney for yourself just to make sure that everything that you've worked really hard for is protected.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: Excellent. Areas that we're not looking at with the advice there is on page number five and onwards. So you did you know, looking forward the income protection side of things, you've got income protection at the moment. You've also got some trauma cover. We're not making any changes or recommendations on any of those.\n\nWe're not scoping in anything to assist with the cash on budgeting at this time. If you did need additional assistance or new advice down the track, we can certainly help you to look at that. And then, again, at the bottom there, I've scoped out\n\nChannel 1: What\n\nChannel 0: the beneficiary nomination side of the estate planning because you have those current on your super and your insurances. They do currently reflect your wishes. We'll just keep to review them with you and make changes as we need you down the track. Okay? That was on page number five.\n\nYeah. Beautiful. Now I am gonna skip ahead a few pages, but you'll get to take this back and have a really good read at it prior to taking on the advice. But, essentially, if I can get you to scroll scroll down for me, we're gonna head down to page number 23. I'll take you through the sections of the advice that I need to to touch on the points that I need to, and then you're welcome to take your document back and have a really good read of it prior to you accepting any of the advice.\n\nOkay?\n\nChannel 1: Mhmm.\n\nChannel 0: Beautiful. Now when you get to page 23, it should say on the heading there the fee comparison table. So you can just let me know when you get to that point there.\n\nChannel 1: Okay.\n\nChannel 0: That's okay. Okay.\n\nChannel 1: Table.\n\nChannel 0: Yeah. Beautiful. So, essentially, with the recommendations there, we had scoped\n\nChannel 1: Yep.\n\nChannel 0: in super as I kinda mentioned, and we're looking at trying to meet your goals. You were hoping to be able to retire at around about the age of 60 there. Your super balance is working well, but it has been a little bit lower and held back with returns this year partly because of what's been happening in the markets globally, but also just with the better long Australian equities investments. So we agreed to go back and have a really good look at the investments, look at the way the super was structured, and look at whether or not, you know, moving to another fund or moving switching your investments was gonna help a little bit there. So what I've essentially recommended is that we do retain your Netwealth super fund.\n\nI did look at moving to other super funds. However, there are capital gains taxes for switching and selling investments. So if we had to sell down all of your investments and move to another fund, it essentially was a higher capital gains consequence than just retaining your current fund and switching the investments out. The other side of that is you also do have your own income protection claim. So it does mean, you know, moving all the other bits and pieces and parts.\n\nSo with everything you've got going on at the moment, trying to keep this as easy as possible for you, limit the overall complexity, but making sure your super is working harder for you. So I'm recommending we retain your Netwealth Superfund itself so that we switch the investments within that. Now on the top line there, you've got your current balance, $191,001.47. Essentially, I'll take you through the investment switch switches shortly. But in order to switch the investments or to ultra investments within your super, there are capital gains consequences for your super fund.\n\nThis doesn't affect you personally. Your super fund likely does a tax return every year, and your super fund pays income tax and capital gains tax. Essentially, to make the switch and to change the investments within your super fund, the expected capital gains consequence there is $1,938. So you can see that in the differences column there. Okay?\n\nChannel 1: Sorry. That's switching over, is it?\n\nChannel 0: So you're retaining your super fund, but we're changing the underlying investments there. So\n\nChannel 1: Yeah.\n\nChannel 0: the cost\n\nChannel 1: Yeah.\n\nChannel 0: for doing so, the the capital gains consequence for your super fund is expected to be $1,938. Okay?\n\nChannel 1: Okay. So that gets\n\nChannel 0: Yep.\n\nChannel 1: taken out of the account. Is that\n\nChannel 0: That's\n\nChannel 1: right?\n\nChannel 0: correct. It's a tax. Yeah. So capital gains is c CGT is capital gains tax. And whenever you buy and sell investments, there are capital gains consequences for doing so.\n\nSo your super fund will pay capital gains tax of $1,938. So it reduces the upfront balance. That means that with the new portfolio, once we've made the switch, the expected super balance within the fund is 189,209.\n\nChannel 1: Okay. So the switching from the current one to the new one,\n\nChannel 0: Mhmm.\n\nChannel 1: what benefit does it give? Like\n\nChannel 0: Oh, yeah. Perfect. Yeah. I can show you that. So the benefits there are that the investment fees are reduced.\n\nSo the newer portfolio, if you have a look at the second line there in your current fund, you're paying $548 for investment fees. By switching to the newer fund, we actually save a $194 on investment fees for the first year. Alright? So definitely, there's more money in your super working harder for you. It reduces the investment costs.\n\nThe other side of it is the the growth or the five year rolling average. If you look at the very bottom of that table, you've got the five year rolling average there. When you look at the older fund, it's averaged about 10.47% on a yearly basis. The newer fund has averaged 10.71%. So it has the newer fund has had a a greater past performance, which if it can do the same thing over the next sort of five to ten years, can put you in a greater, in a greater position down the track.\n\nChannel 1: The five year rolling average, 10.47. I just downloaded the report from the net well, website for the five year rolling like, five year average. It wasn't 10.47% at all. It was\n\nChannel 0: Yeah.\n\nChannel 1: five\n\nChannel 0: This\n\nChannel 1: point\n\nChannel 0: isn't\n\nChannel 1: two seven.\n\nChannel 0: yeah. So this isn't necessarily your five year rolling average. This is the five year rolling average that this portfolio has been able to obtain in general. So, obviously, what you actually get in the fund can be very different to what the what the portfolio can return because there's many other factors involved there. When you think about the return you actually get within the portfolio, it's dependent upon contributions going in, income that's being redistributed, fees that are coming in and out of the fund.\n\nThere's lots of other factors there. So if this isn't saying that you will or have got that 10.47%, it's saying that this portfolio, when we look at past data, has been able to generate this as a as a gross so a gross return over the past five years. The\n\nChannel 1: That's\n\nChannel 0: same thing\n\nChannel 1: a big\n\nChannel 0: with the\n\nChannel 1: difference,\n\nChannel 0: newer\n\nChannel 1: though. Like,\n\nChannel 0: it is.\n\nChannel 1: five\n\nChannel 0: It absolutely\n\nChannel 1: five point\n\nChannel 0: is.\n\nChannel 1: two seven to 10.47, that's, like, half the\n\nChannel 0: Yeah.\n\nChannel 1: amount.\n\nChannel 0: Yeah. And, look, the newer portfolio can obtain and has obtained about a 10.71% over the past five years. So, realistically, if the newer portfolio can do that over the next, you know, five to ten years, that can put your super in a much greater position there for you. So we have to utilize past data and research houses to be able to obtain this data. It's a data that every super fund, every investment firm, every financial adviser always use, and that's what we\n\nChannel 1: Mhmm.\n\nChannel 0: essentially utilize. But there is never a guarantee of a return. And look at the bottom there, you can see the projected outcome between your current portfolio and the new one newer one that we are also recommending. But projection should always be taken with a grain of salt because, realistically, markets react differently. We essentially have to use past data because we can't determine what markets are going to do in the future.\n\nNo one has a crystal ball, unfortunately. And so we have to use past data on how markets and portfolios have performed in the in the past to kinda generate what we expect or hope they can do in the future. But there's never a guarantee involved there. It is always up to so many factors with being your contributions going in. It depends upon fees within the fund.\n\nIt depends upon how individual investments perform. It depends a lot of upon how investors actually feel as well because 90% of the market ups and downs is generated by investors' reactions to markets. You know, essentially, if someone sees Trump tweet something today, tomorrow, they could feel a bit nervous and start to sell off their portfolio. When one person sees something selling, other people\n\nChannel 1: Yep.\n\nChannel 0: can see that selling, and then they also to jump on the same bandwagon. So 90% of market reactions are solely and mostly because of human beings and their emotional reactions to what they're seeing and feeling. Unfortunately, us as a species are very much an emotional species, but we have to use past data to kind of look at how markets and how portfolios can perform in the future. So this this portfolio that I wanna put you in has the sorry. It has the potential for greater future return as well as a lower cost portfolio.\n\nSo it is saving you in fees as well, which is a good thing. Together, that can put you in a greater position over the next five to ten years. But as I said before, there's no guarantees of doing so. That's why as advisers, we review the portfolios with you on a regular basis to make sure that we can update them and that we can put you in, you know, into different investments when we need you to keep your super working harder for you. Does that make sense?\n\nChannel 1: Yeah. Yeah. I'm just comparing the 10.47 to 10.71. Like, if it's 10.47 for the general population and I'm actually only getting 5.2, then, you know, 10.71, that's probably realistically only gonna generate that amount even if it's a point 24% increment.\n\nChannel 0: Not necessarily. So if you look at your super over the past sort of five years, you've got a 5% return. Maybe one year, you've got a 10% return. Another year, there could have been a 15%\n\nChannel 1: So\n\nChannel 0: return there in another year. So we do know that markets are gonna go up. They're gonna go down. Some years, you can get a 20% return. Some years, just a 10% return.\n\nSome years, a\n\nChannel 1: No.\n\nChannel 0: negative return. But it's also understanding that there are and there is the expectation that when markets are down, that you're gonna also have a negative return. And it's about making sure you're invested in a way that you can go through those downturns and not not have an emotional reaction, not sell your investments, and not withdraw money at that downtime, and allow your portfolio to go through that. With the way\n\nChannel 1: Yes.\n\nChannel 0: you're invested currently is that you are in that growth environment. So it does generally see 80% of your super invested in growth assets, assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver. You are taking on a bit more risk to be in that kind of environment, so you are gonna feel the ups and the downs. The other side of that is that that sort of 5% return you're looking at within hub twenty four, there a lot of that has been sort of held back because of one of your investments as we kinda went through last time.\n\nYou've got the Benelon Australian Equities in there. That investment has had quite a severe downtime, and we are looking to remove that as part of this, make sure that we can move you out of those sorts of investments and keep you in a portfolio that is working harder for you essentially as well. So\n\nChannel 1: Have you removed that, or or is that in the process?\n\nChannel 0: that's in the process. Yeah.\n\nChannel 1: Alright. I thought you guys have already removed it. Okay. No. I understand there's market's up and down, and the average of 10.47 is just like an average across, you\n\nChannel 0: Yeah.\n\nChannel 1: know, four, five\n\nChannel 0: Correct.\n\nChannel 1: years.\n\nChannel 0: Yeah.\n\nChannel 1: But what I'm saying is 10.7 across five years versus 10.71 across five years is not much of an increase, really. That's what I mean. Like, point two four\n\nChannel 0: Yeah.\n\nChannel 1: percent. So and then, yeah, and then I have to pay the the 1,938 for capital gains. And then because I'm looking at the table underneath lump sum in five years and you're comparing the two funds\n\nChannel 0: Mhmm.\n\nChannel 1: for a difference of 4,200. I've already paid 2,000 in capital gains for that. So is this new fund what is it considered conservative? Or is it because\n\nChannel 0: No.\n\nChannel 1: I know that\n\nChannel 0: Not\n\nChannel 1: there are funds where you can select to have, like, payout, like, high dividend. Is that right?\n\nChannel 0: mhmm. Yes. So most funds do pay dividends. Are you sort of talking about the funds that pay higher dividends?\n\nChannel 1: I yeah.\n\nChannel 0: Mhmm. Yeah. So dividends are not a requirement for any fund. Most ETFs and investments do pay out dividends, but not all of them do. Essentially, they are generated by the underlying companies.\n\nAnd if underlying companies don't have good years, then there's no guarantees that dividends are gonna be paid out. But majority of the funds that we put you in ETFs do actually pay out dividends, and that it's considered income in the portfolio, which is then reinvested back into your portfolio for the compounding effect.\n\nChannel 1: So what would you classify this this fund as? This is not conservative.\n\nChannel 0: It's no. You're in a growth fund. So the idea is when you think about risk out of a level between, say, one and five, five being the highest level of risk and maybe one being the lowest or sitting in cash, you're realistically sitting at about a three. So you're kind of mid range there, but I wouldn't put it as conservative. You are 80% invested in those growth assets, so you are taking on a bit more risk in the market to try and get greater potential returns.\n\nChannel 1: No.\n\nChannel 0: Realistically, this sort of environment suits someone who's about six years away from or at least six years away from accessing their super. So you've got that time horizon ahead of you still currently. When you are sort of within that six years, I would be definitely recommending that we reduce the risk level somewhat. But the other side of that is with your goals. So you're sort of wanting to access super at around about the age of 60.\n\nAnd your goal income in that time frame, I believe, was about $1,500 per week. And so, realistically, with your balance at the moment, we need to either get a bit more growth or consider putting more funds in the super. I am also recommending as per our last conversation that you do salary sacrifice $50 per month, which is more your comfort level. It works at about $12.50 per week. I'm putting that into super to kind of provide a bit more of a boost to it.\n\nBecause, realistically, given the current balance you have and the amount of, you know, how it has kinda grown and with the limited amount of contributions going into the fund, over the next sort of five to ten years and even thirteen years towards your retirement goal at the age of 60, as you can see by the projection table there, it's under the current scenario projected to be around 377,000 under the recommended about 398,000. So, realistically, that's a little bit low for where you should be based on your goal. It does mean that if you draw out $1,500 per week from your super, your super is not gonna last as long as what you would sorta hope it to be. And it means that sort of you eventually may have to rely on, you know, the age pension if you're eligible for that down the track. So it's about looking at ways to boost your super as much as possible within the limitations that we have.\n\nChannel 1: Okay. So this scenario under the recommended column is provided provided that I put in that extra $50. Is that right?\n\nChannel 0: It is. Yeah. That's including the recommended $50 per month. Yeah. If you choose not to do so, that's honestly okay.\n\nBut my concern is that without sort of increasing contributions in and I know you've got a lot going on too, so it may not be that you're able to. But with our last conversation there last time, it was just about what your comfort level was to be able to add to your super to kinda build on that a little bit. But I do have a bit of a concern that if you're, you know, you get to age 60 and are wanting to draw out the income that you are with the way we have things invested in super. So when you actually do retire, we would not wanna see you in that growth kind of environment. We would wanna see you in more of a conservative environment, which is less of those growth assets and more income producing assets.\n\nSo you're looking at things like cash, bonds, and fixed interest. Those sorts of investments are and do generate lower rates of returns than your current portfolio can and would. In generally, when we're looking at conservative projections in retirement, we wouldn't sort of expect more than, say, a five or 6% return on an annual basis compounding that forward. So it does mean that when you are drawing larger sums of money on a weekly basis to cover your retirement, that you are, you know, easing into your capital when your returns are much lower. Being in that kinda conservative environment in the retirement years means that we are hoping to generate as much income as possible to help your draw downs, but it's not always guaranteed, and it's still dependent on markets.\n\nYou are still invested in markets, and markets still go up and down. And even defensive investments, while they still don't see the greater ups and downs that the higher level of risk or the shares do, they still are impacted by inflation. They still are impacted by market ups and downs, essentially. Does that all make sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So whilst this is not perfect, and I fully get that, it's about trying to adjust the portfolio as much as possible so that we can hopefully lower fees for you, keep more money invested in your portfolio working a little bit harder, and maybe also alter the investments so that you're invested in a portfolio that can generate greater returns. Admittedly, I'm honest, and I'll tell you upfront, there's no guarantees that this is going to generate greater returns. There's always a risk with that. But\n\nChannel 1: Yeah.\n\nChannel 0: part of having financial advisers is that we can review that with you at review time. I'd like to do a bit of a catch up with you in six months. If you take the recommendations and we make the switch into the newer portfolio, we can do a review maybe in six months' time, see how it's performing, how your how it's working in your super for you. And if it's not working, then we look at what else to do so we can continuously keep working and building on it and, you know, adjusting the super as we need to. I think one of the biggest things to sort of note is that investments that might have been good about four or five years ago within your super may not be the same or may not be working as much now.\n\nIt's also about readjusting and realigning your portfolio. So we also do and I have recommended as part of it that we do also a rebalancing because different investments grow at different rates. So if, for example, you were recommended to say, gold and then a couple of shares or at 10% each, depending on the different market reactions, one of those shares might go down, the other one might go up, and the other one, you know, the gold might go up by 20% more. So you end up increasing your risk level with the difference in the ups and downs in the share market. And so rebalancing your portfolio helps to sell some of the investments that have grown at a faster rate than others.\n\nIt helps to, you know, redistribute growth back into other areas of the portfolio, and we buy into certain areas where there might not have been as much growth as well. So this is about rebalancing things, readjusting the portfolio. But as I said, there's no guarantees, and I'll be very upfront with you about that.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So did you say that this recommendation was a level three? Is that right?\n\nChannel 0: Yeah. When you consider risk out of between between one and five, you're sitting at a risk level of about a three. Yeah.\n\nChannel 1: Okay. What are what is what is number four and five look like?\n\nChannel 0: Well, number four would be high growth, so you would see 90% of your super invested in those growth assets. And then if you think about number five, you're going up to an aggressive portfolio, which is a 100% invested in the higher risk sort of growth assets and no defensive investments there. So that's increasing your risk level. You can look at increasing that if you want, but then you're also increasing the risk of going through a downtime. So the the possibility of greater returns are there, but there's also the risk of having more of a downturn more regularly and feeling that.\n\nWhenever you take on risk, you consider the risk that you you consider the possibility of good possible returns, but then also the risk of the returns might be lower or that you might feel that downtime just as much. Yeah. Does that all make sense so\n\nChannel 1: K. Yeah. Yeah.\n\nChannel 0: far?\n\nChannel 1: But\n\nChannel 0: There's\n\nChannel 1: I'm\n\nChannel 0: a lot\n\nChannel 1: just\n\nChannel 0: to\n\nChannel 1: trying\n\nChannel 0: think\n\nChannel 1: to\n\nChannel 0: about,\n\nChannel 1: read\n\nChannel 0: isn't\n\nChannel 1: the table.\n\nChannel 0: there?\n\nChannel 1: So on the page of on the bottom of page 23, there's a table there with the lump sum in five years, ten years, and at 60. Right?\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Your projection\n\nChannel 1: you've got\n\nChannel 0: table. Yeah.\n\nChannel 1: you've got the current on the that's the current balance. Is that right?\n\nChannel 0: Mhmm. The\n\nChannel 1: No.\n\nChannel 0: projection table no. The projection table is projects everything from the top table. So your current balance is noted in the fee comparison table, the very top one\n\nChannel 1: Uh-huh.\n\nChannel 0: at the top where it's got balance. So that's your current balance now is in the current side\n\nChannel 1: Okay.\n\nChannel 0: of that.\n\nChannel 1: So the one\n\nChannel 0: The\n\nChannel 1: 90\n\nChannel 0: recommend\n\nChannel 1: one.\n\nChannel 0: yeah.\n\nChannel 1: Okay.\n\nChannel 0: The recommended will be after the capital gains consequences or after the capital gains tax has been taken into account for the investment switch for you.\n\nChannel 1: Okay. So the current, like, $2.47\n\nChannel 0: Mhmm.\n\nChannel 1: is what you think it will look like in five years with the current portfolio. Right?\n\nChannel 0: Yep. Based on all the information above. Correct.\n\nChannel 1: Yeah. And then the recommended one is the $2.52 with the new fund that you recommend in five years'\n\nChannel 0: Mhmm.\n\nChannel 1: time.\n\nChannel 0: That's correct. Yeah.\n\nChannel 1: The the difference okay. The difference between the current\n\nChannel 0: Mhmm.\n\nChannel 1: fund versus the new fund. I see.\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. And, look, they are very minor differences, but it's also taking to account that you have a lot going on. You are on a part income protection claim, so you're not working as many hours. And think of your super fund like your vehicle. It's like a car, really.\n\nIt's essentially, the super fund is where the funds go in to be held. But what actually drives the growth and what makes the super work is the underlying investments and your contributions, and that's essentially the fuel. They work together to kind of, you know, your contributions going in as a set of capital that's going in and being invested, but then you've also got growth and income coming out of it. To not have any additional contributions or no contributions going in is gonna limit the amount of growth that you have there. So the growth and the contributions do work in unison.\n\nThey are they do complement each other to help make your super work harder and grow more. But it's you know, without those, your super can only do so much. Investments can only be expected to do so much, essentially. But the actual super fund itself is just the investment vehicle. It's all about the underlying investments and getting the growth and the income there.\n\nThe other thing to consider is that smaller amounts of growth, have a different effect. So if you think about someone with a $50,000 balance, getting a 5% return is one thing. That same person having a $500,000 balance and getting a 5% return, that same 5% return has a much greater effect. So as your super grows and grows and it gets a two, three, or five, or 10% return, that is gonna have a greater effect down the track when your super balance is higher rather than it probably would or feel like it would now. So the compounding effect takes into play, and you end up with great smaller returns have a much bigger effect on the higher balance, essentially.\n\nChannel 1: So this recommended fund with the risk level of three,\n\nChannel 0: Mhmm.\n\nChannel 1: I wonder what it would look like with a risk level\n\nChannel 0: Yeah. I could always do that projection for you, but one of the things that we did talk about was how you invested. So with your\n\nChannel 1: of four.\n\nChannel 0: annual review, we're happy to stay with stay in that kind of environment with that 80% split. You if you wanna look at maybe increasing your risk, you absolutely can. It is up to your prerogative. A high growth investor is suit all that sort of portfolio is suited to someone who has at least eight years before they're willing to access their super. It does still suit your time horizon.\n\nI could always do the projection as an alternative for you if you like.\n\nChannel 1: Mhmm.\n\nChannel 0: If you decide you wanted to take that, that's absolutely fine, but you are taking on a higher level of risk to do so.\n\nChannel 1: So the recommended fund is the eighty twenty. You just say, so 80% invested in shares\n\nChannel 0: Yep.\n\nChannel 1: and 20% in what? Cash\n\nChannel 0: No.\n\nChannel 1: or\n\nChannel 0: So it's cash, bonds, and fixed interest. In\n\nChannel 1: cash\n\nChannel 0: this case, it'll\n\nChannel 1: fund?\n\nChannel 0: be basically bonds.\n\nChannel 1: Fund. So 20%\n\nChannel 0: Yeah.\n\nChannel 1: in bonds and 80% in shares that's for the\n\nChannel 0: Yep.\n\nChannel 1: recommended\n\nChannel 0: As as an\n\nChannel 1: fund\n\nChannel 0: average. So\n\nChannel 1: as an\n\nChannel 0: with\n\nChannel 1: energy.\n\nChannel 0: this portfolio yeah. So as an average so with this portfolio, the way it's recommended there, you'll actually see about if you look on page number 27, you'll see the asset allocation table for you. Asset allocation table for you. Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yep. So you've got the asset allocation table there, and the first column is the different types of assets that are seen as growth and defensive assets. The second one there is the risk profile as a percentage. So your sort of risk profile sees that eighty twenty split in your existing portfolio. You've got about 86.84% in those growth assets and about 13.16% in the defensive investments.\n\nBy making the changes and the switch to the newer portfolio, you'd see 86 invested in the growth assets, and we're just increasing the defensive exposure just a little bit there. So that's essentially where you would see that exposure sitting. It's just outside of that eighty twenty split just because when you think about the buy price of investments, it's discrepancy. So within that growth portfolio, we still allow for about a 10% discrepancy or\n\nChannel 1: So\n\nChannel 0: variance\n\nChannel 1: from 80\n\nChannel 0: in\n\nChannel 1: six\n\nChannel 0: the risk\n\nChannel 1: point\n\nChannel 0: profile.\n\nChannel 1: four to 86, there's actually less than the\n\nChannel 0: Yeah. Yep. And it's performed a lot better in the past.\n\nChannel 1: new fund.\n\nChannel 0: Yeah. And it's cheaper. And to give you a little bit, like, further context there, so with the current cash you have in your portfolio, at the moment, the amount of cash sitting in the cash account is a little over $5,789. So, realistically, you've got about 3.06% cash in your super fund. We only really wanna hold about 1%.\n\nSo it also means that you're holding a little bit much cash at the moment, so we're reinvesting that into the portfolio there for you. If you have a look at page number 25, it essentially shows you what we'll be buying and selling as a whole to kind of alter the portfolio.\n\nChannel 1: Okay. Run through that.\n\nChannel 0: Yeah. So, essentially, selling off and rebalancing some of the global tech, selling off all of the Asia, just rebalancing back the beta shares Australian 200. The battery and lithium tech will be selling all of, and the BetaShares hacks as cybersecurity, that'll be reduced down to 5%. So we're just selling a little bit of that. We'll be buying into the European exposures.\n\nThis is giving you access to all 16 European countries. So one of the big things that's really important with helping to even though you want, you know, good returns and you want to take a bit of risk, it's still important to try and reduce as much risk as humanly possible. So one of the ways we do that is to diversify, and that is investing in different asset classes, different industries, and different countries as well. So this investment portfolio with the iShares Europe there, that's the one, two, three, four, five, six, one down, that's essentially giving you exposure to all 16 European countries there. And so we'll hold about 8% of that one.\n\nYou'll still hold some beta shares from Australian equities about 20% there. We're still holding some cybersecurity because it is still a good area to hold. That's about 5%. That's the beta shares hack investment you can see there. You're still off no.\n\nYeah. Just dropping it a little bit. You're at 5.19%. We only wanna hold 5%. So, essentially, that investment's seeing some really good growth.\n\nSo you're, you know, you we wanna rebalance it back a little bit. So selling a little bit off to bring you back to 5% there. Buying into the iShares Europe to give you exposure to more of those European countries, they're buying in if you've got 5.73 at the moment, wanna hold 8%. You've also got the S and P 500, which is giving you access and exposures to the top 500 companies on the American market.\n\nChannel 1: Mhmm.\n\nChannel 0: At the moment, you've got 24.66% there. We wanna buy a little bit more of that to hold about 30 of that side of things. You would see defensive investments, the Vanguard diversified index investment. We're selling that off completely, so that'll go\n\nChannel 1: Why?\n\nChannel 0: down to zero.\n\nChannel 1: What's happened\n\nChannel 0: Well,\n\nChannel 1: to\n\nChannel 0: it's\n\nChannel 1: Vanguard?\n\nChannel 0: there's nothing wrong with it. It's more of a defensive investment. We've just found a cheaper, better way to hold defensive investments. But the Vanguard diversified index and the Vanguard Australian fixed in fixed interest index, so we're gonna sell those off completely. There's nothing wrong with the investment.\n\nThey can perform quite well. It's just we found a cheaper way to make the investment work for you. The\n\nChannel 1: What\n\nChannel 0: more\n\nChannel 1: about\n\nChannel 0: investments\n\nChannel 1: the\n\nChannel 0: you hold\n\nChannel 1: iShares Asia? Sorry.\n\nChannel 0: where's that one? No. That's the top one there.\n\nChannel 1: Second\n\nChannel 0: Yeah.\n\nChannel 1: one.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: there's there's nothing wrong with that. We're just removing that essentially out of the portfolio because if you look at the very bottom of Vanguard or WorldX US investment, that's encompassing the entire globe minus The US market. So we can remove the iShares Asia exposure out of that because you have that in this Vanguard or World Index. It's essentially taking away a lot of the different investments that might cost\n\nChannel 1: I\n\nChannel 0: you more to hold in your portfolio and incorporating them into one investment so that you're still getting diversification and helping to lower the risk level, but it's\n\nChannel 1: see.\n\nChannel 0: making it cheaper for your funds because the more investments you hold, the more you pay in investment fees. Those investment fees are paid out to the investment managers, as they make money off that. So instead of holding 20 different investments, we try to look at a way of holding maybe six, seven, or eight different investment options that give you diversification that are doing really well, but it also, hopefully, lower cost for you so that you're paying less fees out of your super and keeping more money invested for your for your retirement, for your growth, if that makes sense.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. The other thing there, the physical gold and silver, look, we're keeping gold in the portfolio. It has done very well. We wanna hold that there. You wanna hold about 10% within this sort of portfolio.\n\nPhysical gold essentially is an alternative investment, so it's technically growth. It gets growth. It doesn't produce any kinda income, but it can act defensively. So if you think about physical gold and think back to times when the markets have gone, you know, down significantly, like the GFC or even 2020, people take money out of other investments and put it into gold. So it can be a bit of a safe haven at certain times as well.\n\nSo gold can act defensively at certain times, but it is a growth asset. We are looking to keep that in there. It is fine. It is a good investment to keep. It is at a thirty year high, but it will, you know, essentially will continue to grow.\n\nWe still love it. I know I still love a bit of physical gold. I love wearing gold too. And then you've also got the physical silver in there. We are removing that from your portfolio.\n\nIt hasn't been performing as we sort of liked it to. It has taken a bit of a better because of, obviously, high inflationary rates. So we are just looking to remove the physical silver out of the portfolio and keep that physical gold in there.\n\nChannel 1: Okay.\n\nChannel 0: And then you've got adding in the Japanese exposure. Just a little bit of 5% there just because the all world doesn't have as much exposure to Japan, and it has been a really good place to see growth over the past sort of twelve months. And then the all world ex US. So that's giving you exposure to the entire globe minus The US market, and that's because above, we're holding 30% of the S and P 500. And then as I kinda mentioned before, we're removing the the Vanguard diversified index and the Vanguard fixed interest index, but we still wanna hold defensive investments like cash, bonds, and fixed interest.\n\nAnd so the bottom one, the core composite bonds, that's giving you exposure to both government and corporate bonds and also notes and other, you know, cash investments, essentially. So keeping that is giving you a little bit of a defensive component. Bonds are good. They essentially pay regular income payments. Think of a bond a bit like a term deposit.\n\nYou're putting that money into the investment there, and then you're getting regular income payments out on a monthly or a regular basis. At the end of the term, you get your capital back as well, and it can be reinvested. So bonds work the same way term deposits do, and they're really good for income producing. And even at your stage, we still wanna have income. We still want the income that's generated from these sorts of investments and a lot of those other investments which are exchange traded funds or ETFs.\n\nThey will generate dividends that'll be paid in some quarterly, some yearly, some biannually. That money will be redistributed into your cash account and re then reinvested back in the portfolio for you to assist with compounding.\n\nChannel 1: K.\n\nChannel 0: Yeah. Does that make sense? It is a lot, and I'm very sorry. It's a lot, but so so\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: No.\n\nChannel 0: wanted\n\nChannel 1: It's\n\nChannel 0: to\n\nChannel 1: good.\n\nChannel 0: make sure that you yeah. So it is very different, and I know the the returns haven't been you know, aren't showing as great in the projection table, and that's also kind of reflective of the market as a whole. But even if it's, you know, a less than 1% difference in the market, If we can make your super work as hard as possible, absolutely great. If you decide to take these changes on, we make the changes within the super fund. And then in six months' time since February, we catch up again.\n\nAnd we just check to see how that's working in your super fund. I'm even happy if you like to send you a report or maybe catch up with you before February to sort of see how those changes are reflected if they're working in your super. And if they're not, then we can look at what else we can do and what more changes we might need to make in those investments. Does that make sense?\n\nChannel 1: Yeah. Okay. Okay. Sorry. Tell me, if this when this goes ahead and I reach 60, where is\n\nChannel 0: Beautiful.\n\nChannel 1: that table\n\nChannel 0: Mhmm.\n\nChannel 1: now?\n\nChannel 0: That one was back on '23.\n\nChannel 1: Okay. So at 60 alright. And let's say\n\nChannel 0: Mhmm.\n\nChannel 1: this goes according to plan and then we\n\nChannel 0: Mhmm.\n\nChannel 1: reach that value of 398,000. What happens at 60? Do I take everything out, or does it get take taken does it pay out bit by bit as monthly living expenses, and how much would that be?\n\nChannel 0: That's completely up to you with that time frame. So, essentially, when you get to retirement and the way I work out the retirement strategies with majority of my clients is when you get to the year you're ready to retire, we'll have that conversation. We'll talk about what you're actually needing to live on. So up until the point that you actually retire, we sort of work on a base goal. You've sort of said 1,500 per week at the moment, but that could definitely change.\n\nInflation could change that. The cost of living could change for you. You might need more and or less money. I tend to, for anyone who doesn't actually know how much they need to live on when we get to that point, do a budget planner with them so we can assess their living expenses in detail. At 60, if you fully retire, you can access all of your money within Sleepy.\n\nYou can take it as a lump sum, or you can leave it invested and just be drawing out smaller regular lump sums realistically if you would like it to sort of last as long as possible and keep it growing. Having it invested in super does work out better because you keep that fund the funds invested as such, probably in a more conservative portfolio, and then withdrawing smaller amounts out of super on a regular basis. It can be weekly, fortnightly, monthly, however you need those funds to be drawn. And then the rest of the money stays invested in the portfolio working as long as it possibly can.\n\nChannel 1: It gets\n\nChannel 0: From\n\nChannel 1: taxed\n\nChannel 0: six\n\nChannel 1: there, doesn't it?\n\nChannel 0: no. Well,\n\nChannel 1: It doesn't?\n\nChannel 0: no. So no. So at the moment, it does because you're in the accumulation phase. You're accumulating that wealth.\n\nChannel 1: Yeah.\n\nChannel 0: However, when you get into pension phase, when you fully retire, you move into the pension phase. And inside pension phase, there is no income tax. There is no capital gains tax. There is no income tax on the drawdowns that you make from super. You will be able to take money as regularly as you like, have ad hoc lump sums whenever you like.\n\nAnd in that pension phase, we can switch investments in ultra portfolios without any there's no capital gains consequences and no income tax consequences on the income that is generated from the from the funds. So keeping it in that pension phase when you get to 60 and fully retire is very much a tax sheltered environment, unlike most things now.\n\nChannel 1: Okay. Alright.\n\nChannel 0: Yeah. Very nice, isn't it?\n\nChannel 1: One of the good things that I've had, all day today.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: It's alright.\n\nChannel 0: Yeah. So there's some things to look forward to. There's some things that we can do there. And, admittedly, between 60 to 67, it is about making sure that you can draw down that income, essentially. When you get to 67, we can look at what your age pension entitlement is, have a look at what you're eligible for, and then draw back to draw less out of super to complement the age pension so that your super and the age pension can hopefully last as long as possible.\n\nBut one of the things we do just wanna make sure we do is start by making these changes. I am encouraging you to do that salary sacrifice where possible. If you look at that $50 on a monthly basis, it is just $12.50 per week. So starting off smaller. But if you can think about the compounding effect, putting $12.50 on a weekly basis into your super now, rather than waiting for five or ten years and starting it down the track, it has a greater chance of growing and compounding.\n\nWhereas if we leave it and do it in ten years' time,\n\nChannel 1: No.\n\nChannel 0: essentially, the the compounding effect doesn't have as greater turnaround. It doesn't grow as much, essentially. So\n\nChannel 1: Yes.\n\nChannel 0: it is difficult, and I know with your circumstances, you are only working part time, so you can think about whether you're comfortable to do so. If you decide you don't want to take on the the recommendations with the salary sacrifice on the last page of the document, there is a little multi line box. In that box, you just outline what you do not wish to take on board as part of the advice.\n\nChannel 1: And what\n\nChannel 0: But\n\nChannel 1: page\n\nChannel 0: I am gonna\n\nChannel 1: is that?\n\nChannel 0: ink that's on the very last page. Let me just go down the bottom for you. I can tell you what page it is. It should be page number forty forty four. It's above the signing section.\n\nChannel 1: Forty three forty four. When you cross\n\nChannel 0: Yep.\n\nChannel 1: out what what are you talking about?\n\nChannel 0: So page number 44, you've got the please sign the box below. Above that, there should be a box, and it should have a multiline in it.\n\nChannel 1: Oh, how to implement our advise? That one?\n\nChannel 0: No. It should be the next page. It's on 44 on my document. Is it 45 on yours?\n\nChannel 1: Oh, 45?\n\nChannel 0: It might have added an extra page to the document. Sometimes having electronic signatures does that.\n\nChannel 1: I mean, I see\n\nChannel 0: But\n\nChannel 1: the\n\nChannel 0: mine\n\nChannel 1: signature bit. That's the big\n\nChannel 0: yeah.\n\nChannel 1: box.\n\nChannel 0: Above that, there should be a big box. It should say multiline, or should it be a text box above that?\n\nChannel 1: Yeah. Yep. There's a multiline box. Yeah.\n\nChannel 0: Yeah. So that's the one. So if you decide you don't wish to take on the advice for the salary sacrifice or any part of the advice you choose not to take on board, you just write that in that box.\n\nChannel 1: Okay. Summary,\n\nChannel 0: Yeah.\n\nChannel 1: sacrificing. I'm not actually taking the $50 before tax, you know, from my\n\nChannel 0: So salary sacrificing means that the\n\nChannel 1: employer.\n\nChannel 0: the deduction is made pretax. So the employer contributions and the salary sacrifice are taken out of your income before they calculate the income tax.\n\nChannel 1: Yeah. But then then I have to get authority from my employer first for that?\n\nChannel 0: Most of them are quite happy to do so. You if your employer says they're not willing to salary sacrifice, then that'll be another story. We can always look at it as a deductible contribution where you transfer it from your bank account, and we just claim a notice of intent for that at the end of the year. Has a very similar effect. It's just a little bit more work there, but it can definitely be done.\n\nBut most employers are paying your contributions. They're more than happy just to increase that contribution and add the extra in there and do it as a salary sacrifice contribution.\n\nChannel 1: Oh, do you mean so instead of paying the 12 into the super account as that's the standard, you know, super contributions from an employer, they add on an\n\nChannel 0: Mhmm.\n\nChannel 1: extra $50 and they and\n\nChannel 0: Yes.\n\nChannel 1: they add everything into the super. So it's it's\n\nChannel 0: Yes.\n\nChannel 1: not coming out of my pay. Is that what you mean?\n\nChannel 0: It comes out of\n\nChannel 1: Well,\n\nChannel 0: your pay,\n\nChannel 1: yeah,\n\nChannel 0: but\n\nChannel 1: it\n\nChannel 0: it\n\nChannel 1: does\n\nChannel 0: comes\n\nChannel 1: come out of my pay, but, like,\n\nChannel 0: yeah.\n\nChannel 1: it they do it for me. Is that what you\n\nChannel 0: Yes.\n\nChannel 1: mean?\n\nChannel 0: Yes. Correct. And that's why I recommended a salary sacrifice. So you don't have to do that every week. Your employer just takes it out of the the $12.50 every week out of your income, the same as he does with your employer contributions, and just transfers it straight into your super fund.\n\nYeah.\n\nChannel 1: How do I organize that? Like, how do I\n\nChannel 0: Oh, easy. We'll just give you a letter. It'll have all the information attached. You just hand that to your employer, and they can organize that with your normal employment contributions. But we'll have a letter prefilled for you with all the information that you can just send to them or hand to them to make it easier on you.\n\nYeah.\n\nChannel 1: Okay. I didn't know I could do that.\n\nChannel 0: That's okay. Not\n\nChannel 1: Okay.\n\nChannel 0: everybody does.\n\nChannel 1: Okay. Okay. Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. I see. I see. I see.\n\nChannel 0: Yeah. So, look, essentially, we've outlined majority of the recommendations there. You have the sections. There is a lot more detail in the than what I've gone through. I do kinda hit on the points that we need to to make sure you've got the information there.\n\nBut, essentially, as you take some time, you're welcome to go back and have a read through the document, read through the individual sections to sort of, you know, go through the recommendations, the advantages, the disadvantages, the risks involved, the things like that. If you find you have additional questions, you're welcome to come back and ask me. But reading it through can sometimes be a little bit clarifying for you as well. I know sometimes I'm taking you through the sections with all the numbers and the bits and pieces, and it can be a lot to go through. And I'm talking at you at the same time.\n\nSo taking some time to go back and have a read through the document yourself, maybe make yourself cup of tea or a coffee and go through it all page by page, and then let me know if you do happen to have any questions in regard to it. Okay?\n\nChannel 1: Actually, I just have a quick one. What's your,\n\nChannel 0: Absolutely.\n\nChannel 1: remuneration? Can you explain that bit?\n\nChannel 0: Absolutely. That was probably the next part to go through. Essentially, so with the remuneration side of things, that outlines the fees that we are paid for any recommendations that we essentially make there. So there's no upfront implementation fees for the advice. All part of you paying the ongoing service fee.\n\nThat way we we provide the advice to you as part of that. However, the ongoing remuneration so the ongoing service fee is how much you pay for our ongoing services. So the 1.65 per annum, which is that's the yearly fee. The fee comes out of your super fund on a monthly basis in smaller increments there. The insurance fee.\n\nSo because Neos is your insurance provider, they pay us ongoing remuneration every year for the policy. So whenever it goes through renewal, we receive 22% ongoing for the policy. That has\n\nChannel 1: Is that\n\nChannel 0: zero\n\nChannel 1: the\n\nChannel 0: effect. Yes, sir. You're right. There you go.\n\nChannel 1: is that is that different to what's currently set up at the moment? It's always been 22%, or is it only with the new fund at\n\nChannel 0: No.\n\nChannel 1: 20\n\nChannel 0: No,\n\nChannel 1: 2%?\n\nChannel 0: sir. Yeah. No. There's always been that way. So with\n\nChannel 1: Okay.\n\nChannel 0: insurance providers, advisers do receive ongoing and upfront remuneration for the insurance products that they write with Neos. And every insurer, it's all legislated to be exactly the same. So we we received 66% of the first year's premium and 22% there ongoing. That, however, should have no and does have no effect on our recommendations. We're retaining the insurances that you have because you are currently on a claim.\n\nYou're happy with the life and TPD policy that you hold, and you're currently claiming the income protection policy. So it does mean that retaining is the best option for you. It's in your best interest to do so currently. If later down the track, the insurances are too expensive, don't meet your needs and need to be altered, we will do that with you, but we will make sure it meets your goal. We'll talk about what you wanna cover, the level of cover you're happy with, what the cost of that looks like, and how it affects you.\n\nAnd the the ongoing remuneration is how much the insurer pays us. It doesn't it's not paid by you in any way. It's paid by the insurer to us, and we have a duty to make sure we disclose this information to you. So that's why we have the remuneration page, and it outlines all the remuneration that we receive. All of this is received by Okview Financial, not by me personally.\n\nI get paid a wage, so it doesn't you know, I provide advice to make sure I'm helping you to get your super working harder and meeting your goals and working towards your retirement goals, but I do not get paid a commission for any of it. I get paid a wage. I work an hourly rate, and I get paid a wage for what I do. So this is all paid to Oakview Financial, and it's all disclosed there nice and clear there for you. Okay?\n\nChannel 1: Alright.\n\nChannel 0: Yeah. Easy. Beautiful. Do you have any other questions at the moment? Have I answered everything you know, okay?\n\nHas it kinda made sense thus far?\n\nChannel 1: Yeah. At the moment, it's fine.\n\nChannel 0: Yeah. That's okay.\n\nChannel 1: Yep.\n\nChannel 0: That's okay. You will see in there as well with the estate planning side of things that I have made the recommendations around setting up a will and a power of attorney. We don't do that. We can refer you to a solicitor, or if you have a local attorney or a solicitor you're comfortable talking to to seek those services. The other options are as as I kinda mentioned last time, I sent that email after the call with the estate planning side of things.\n\nJust making sure those things are updated and reflective of your personal circumstances is very important. Your beneficiaries cover your life insurance and your super, but they don't cover everything else that you've got there. So it's important to make sure that everything is covered and that it is provided as per your wishes on on passing or, you know, hope nothing ever happens. It's one of\n\nChannel 1: Yeah.\n\nChannel 0: those things. It's like the insurance that you cover yourself in the you know, in case something was to happen. There might only\n\nChannel 1: Yep.\n\nChannel 0: be a very small chance that something occurs, but making sure you have those protections in place is really important for you. Okay?\n\nChannel 1: Yep. Okay.\n\nChannel 0: The other thing I just wanted to also show you is we kinda talked earlier. I've scoped in the insurance aspect to know that we're retaining all your insurance covers currently, but there is an effect. And I kinda talked about before how we know that there's an effect on your retirement outcome because you pay insurances out of your super. If you can go to page 31 for me, there's a little table I just wanted to sort of run you through as well.\n\nChannel 1: 21. Yep.\n\nChannel 0: Yep. So on the bottom of that page, you have a heading called outcomes, and underneath that, there is a little projection\n\nChannel 1: Yep.\n\nChannel 0: Yeah. So with this table here, you've got the exact same as what's in the above projection table, the current and the recommended. That's exactly the same. The last column is the difference, and that's essentially showing you if you had no insurance premiums being deducted out of your super with the recommended changes that we've got in the advice that you could end up over the next five to ten years with more super inside your account. So this is essentially showing you that we know and we understand that insurance premiums coming out of your super do have an effect on your retirement income, because it does reduce the amount that you have five super at the end of the day.\n\nSo this is showing you the overall impact that we've assessed, but I don't\n\nChannel 1: No\n\nChannel 0: want\n\nChannel 1: insurance.\n\nChannel 0: you to take\n\nChannel 1: So\n\nChannel 0: yeah.\n\nChannel 1: what do you mean\n\nChannel 0: If\n\nChannel 1: by\n\nChannel 0: you\n\nChannel 1: no insurance premium taken out from my super? Well, how would\n\nChannel 0: Sorry.\n\nChannel 1: you\n\nChannel 0: The\n\nChannel 1: pay the insurance premium then?\n\nChannel 0: well, that's the thing. This is not telling you to cancel the insurances in any way, shape, or form. It's just showing you the effect. So if you didn't have insurance payment and some people pay their insurance premiums out of their back pocket, which is absolutely fine. But this is just showing you the overall effect.\n\nSo when you pay the insurance premiums inside of Super, it does lower the overall expected retirement income. This is just showing you the effect of the current versus the recommended or if you had no insurance premiums being paid out of your super. It's something we have to note that is an effect because your insurance premiums will get more expensive over time. They will have a greater effect on your super, but we just have to be able to sort of show you that, you know, having having insurance premiums paid out of your super means that you have that level of cover, but you don't have to pay the premiums out of your back pocket. But it means that over the next five to ten to fifteen years, you could end up with less in your super than what you would have if you did not pay for those insurance premiums.\n\nThis is not in any way saying you should cancel the insurance premiums. It's just showing you the long term effect based on where you currently are, the recommended, and, obviously, not having insurance premiums paid out of your super. It's just an\n\nChannel 1: So\n\nChannel 0: effect\n\nChannel 1: what's\n\nChannel 0: we\n\nChannel 1: the\n\nChannel 0: have to\n\nChannel 1: alternative,\n\nChannel 0: kinda go\n\nChannel 1: ma'am?\n\nChannel 0: through and show you. No. This it's not saying you have to cancel. It's not saying you should. It's just showing you the outcome if you were to not.\n\nIt's like an alternative. If you didn't have insurance premiums, this is the projected outcome that you could see. It's, you know, just something we have to note. It's kind of it's\n\nChannel 1: Yeah.\n\nChannel 0: all sort of in the legislative side of things that because we have insurance paid out of super, we have to show you the difference if you didn't show have the insurance premiums paid out of super. But, look, I pay my insurances out of super. I know that over the next, you know, ten to fifteen years, I'm probably gonna be about $40,000 less because of that. And I understand that, and I'm comfortable with that. So it's just about making sure that you're fully informed and that we show you the alternatives and the projected expected impact of your super with the insurance premiums that you do have, if that makes sense.\n\nIt's a little bit\n\nChannel 1: I see.\n\nChannel 0: confusing, and I get that, But we it's just making sure that we're touching the points that we do have to and showing you the alternative. Does that make sense?\n\nChannel 1: Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: All good. All good. I know I've gone through a lot, and I'm so sorry. It can definitely be a lot to go through. You've asked a lot of questions.\n\nIs there any other questions that might sorta come into mind at the moment that you might have?\n\nChannel 1: Alright. Not at the moment.\n\nChannel 0: No. That's okay. I would suggest if you just take some time to read it through, go through the different sections.\n\nChannel 1: Actually,\n\nChannel 0: Yeah. Of course.\n\nChannel 1: in that table above,\n\nChannel 0: Yeah.\n\nChannel 1: life insured, why does it go Sharon Carey on this? Is that an example?\n\nChannel 0: Oh, that's a that's an error. Let me sorry. I'll go back and have that one rectified for you, and\n\nChannel 1: And\n\nChannel 0: we'll\n\nChannel 1: and\n\nChannel 0: send\n\nChannel 1: the\n\nChannel 0: it\n\nChannel 1: previous\n\nChannel 0: back out.\n\nChannel 1: page as well.\n\nChannel 0: Yeah. Sorry about that. That's a small error. We'll go back in and just have that changed and send it back to you.\n\nChannel 1: Okay.\n\nChannel 0: Sorry about that. It's all good. It's just a it's we pull it sort of pull it out of the template. It should just be updated with your name, essentially. So we'll just go back and have that rectified and resend the document to you.\n\nSo it'll come through very shortly. When it comes through, you'll be able to take some time there, Catherine, just to read it through. Take some time to take it in. It might be a little bit clearer to you once you've kind of taken some time to read it over as well, and let me know if you do happen to have any questions. Okay?\n\nChannel 1: Okay. Alright. No worries.\n\nChannel 0: Easy. That's okay. Is there any other questions that might have come to mind at the moment at all?\n\nChannel 1: No worries. That's it.\n\nChannel 0: No. That's all good?\n\nChannel 1: Yep. All good.\n\nChannel 0: Beautiful. Fantastic. Well, thank you so much for your time today. Hopefully, you've got a restful afternoon. You still got a bit of work to do today?\n\nOr\n\nChannel 1: Yeah. I do. Yeah.\n\nChannel 0: yeah. Well, hopefully, you enjoy the rest of your day, and I'll talk to you very soon.\n\nChannel 1: Okay. Thank you. I'll wait for that document before I sign it.\n\nChannel 0: Yeah. Not a problem at all. Thank you so much for that. You have a good afternoon, and thank you for taking my call.\n\nChannel 1: Okay. No worries.\n\nChannel 0: Thanks.\n\nChannel 1: See\n\nChannel 0: See\n\nChannel 1: you.\n\nChannel 0: you later. Bye.\n\nChannel 1: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.86,"sentiment":"neutral","sentiment_score":0.025888880714774132}],"sentiment":"neutral","sentiment_score":0.025888880714774132,"channel":1,"num_words":1,"start":1.36,"end":1.86},{"sentences":[{"text":"Hi, Catherine.","start":2.6399999,"end":3.4399998,"sentiment":"neutral","sentiment_score":0.12810854613780975},{"text":"It's Dana from Okey Financial.","start":3.4399998,"end":5.06,"sentiment":"neutral","sentiment_score":0.1690107762813568},{"text":"How are you this afternoon?","start":5.12,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.21820972561836244}],"sentiment":"neutral","sentiment_score":0.18269330014785132,"channel":0,"num_words":12,"start":2.6399999,"end":6.2599998},{"sentences":[{"text":"Hello?","start":6.8799996,"end":7.3799996,"sentiment":"neutral","sentiment_score":0.15668319165706637},{"text":"Good.","start":7.6,"end":7.8399997,"sentiment":"positive","sentiment_score":0.5918415784835815},{"text":"Thank you.","start":7.8399997,"end":8.66,"sentiment":"positive","sentiment_score":0.6796476244926453}],"sentiment":"positive","sentiment_score":0.5269550047814846,"channel":1,"num_words":4,"start":6.8799996,"end":8.66},{"sentences":[{"text":"That's good.","start":9.2,"end":9.76,"sentiment":"positive","sentiment_score":0.7132086753845215},{"text":"I had you booked in to go through your updated statement of advice to to make some changes to your investments.","start":9.76,"end":15.115,"sentiment":"positive","sentiment_score":0.36444889647620066},{"text":"Is now still a good time here for you?","start":15.255,"end":17.355,"sentiment":"positive","sentiment_score":0.36511076158947414}],"sentiment":"positive","sentiment_score":0.3864325322210789,"channel":0,"num_words":32,"start":9.2,"end":17.355},{"sentences":[{"text":"Yes.","start":18.915,"end":19.415,"sentiment":"positive","sentiment_score":0.3778264820575714}],"sentiment":"positive","sentiment_score":0.3778264820575714,"channel":1,"num_words":1,"start":18.915,"end":19.415},{"sentences":[{"text":"Fan fantastic.","start":19.735,"end":21.035,"sentiment":"positive","sentiment_score":0.6415168046951294},{"text":"How's your day being so far?","start":21.255001,"end":22.955,"sentiment":"positive","sentiment_score":0.3962813566128413}],"sentiment":"positive","sentiment_score":0.4575902186334133,"channel":0,"num_words":8,"start":19.735,"end":22.955},{"sentences":[{"text":"Sure.","start":22.515,"end":23.015,"sentiment":"neutral","sentiment_score":0.19335690140724185},{"text":"Busy as usual.","start":24.195,"end":25.415,"sentiment":"neutral","sentiment_score":0.2252858430147171}],"sentiment":"neutral","sentiment_score":0.21730360761284828,"channel":1,"num_words":4,"start":22.515,"end":25.415},{"sentences":[{"text":"Yeah?","start":25.255001,"end":25.755001,"sentiment":"neutral","sentiment_score":0.12269359827041626},{"text":"No.","start":26.98,"end":27.22,"sentiment":"neutral","sentiment_score":0.011731669306755066},{"text":"All good.","start":27.22,"end":27.46,"sentiment":"neutral","sentiment_score":0.144574873149395},{"text":"Well, I'll try not to take up too much of your time there.","start":27.46,"end":29.96,"sentiment":"neutral","sentiment_score":-0.04911174768438706},{"text":"Before I jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":30.18,"end":34.66,"sentiment":"neutral","sentiment_score":0.03602014464281854}],"sentiment":"neutral","sentiment_score":0.014251192933634707,"channel":0,"num_words":38,"start":25.255001,"end":34.66},{"sentences":[{"text":"Are you happy for me to proceed with that?","start":34.66,"end":36.76,"sentiment":"neutral","sentiment_score":0.09096934729152256}],"sentiment":"neutral","sentiment_score":0.09096934729152256,"channel":0,"num_words":9,"start":34.66,"end":36.76},{"sentences":[{"text":"Yeah.","start":37.0,"end":37.239998,"sentiment":"neutral","sentiment_score":0.0836154893040657},{"text":"Yeah.","start":37.239998,"end":37.4,"sentiment":"neutral","sentiment_score":0.1331140249967575},{"text":"That's 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there.","start":335.465,"end":339.145,"sentiment":"neutral","sentiment_score":0.14555166448865617},{"text":"Okay?","start":339.145,"end":339.645,"sentiment":"neutral","sentiment_score":0.0865318775177002}],"sentiment":"neutral","sentiment_score":0.116331712539557,"channel":0,"num_words":71,"start":318.85498,"end":339.645},{"sentences":[{"text":"We've also got the estate planning side of things.","start":341.385,"end":343.785,"sentiment":"neutral","sentiment_score":0.12712561504708397},{"text":"So I've scoped that in.","start":343.785,"end":345.305,"sentiment":"neutral","sentiment_score":0.18715916872024535},{"text":"Just because you don't have a will and power of attorney up to date, it is definitely something to consider doing.","start":345.305,"end":350.42,"sentiment":"neutral","sentiment_score":0.1854520028545743},{"text":"I've scoped out the beneficiaries because you have those in place on your super and your life insurance policy, and you are happy with how they were 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protected.","start":358.48,"end":369.555,"sentiment":"neutral","sentiment_score":0.12228399948325268}],"sentiment":"neutral","sentiment_score":0.1898542509045241,"channel":0,"num_words":106,"start":341.385,"end":369.555},{"sentences":[{"text":"Okay?","start":369.935,"end":370.435,"sentiment":"neutral","sentiment_score":0.05954807251691818}],"sentiment":"neutral","sentiment_score":0.05954807251691818,"channel":0,"num_words":1,"start":369.935,"end":370.435},{"sentences":[{"text":"Mhmm.","start":371.41998,"end":371.91998,"sentiment":"neutral","sentiment_score":0.07714826613664627}],"sentiment":"neutral","sentiment_score":0.07714826613664627,"channel":1,"num_words":1,"start":371.41998,"end":371.91998},{"sentences":[{"text":"Excellent.","start":372.575,"end":373.075,"sentiment":"positive","sentiment_score":0.4668665826320648},{"text":"Areas that we're not looking at with the advice there is on page number five and onwards.","start":374.095,"end":378.51,"sentiment":"neutral","sentiment_score":-0.06902763992547989},{"text":"So you did you know, looking forward the income protection side of things, you've got income protection at the moment.","start":378.75,"end":384.99002,"sentiment":"neutral","sentiment_score":-0.10341668650507926},{"text":"You've also got some trauma cover.","start":384.99002,"end":386.83002,"sentiment":"neutral","sentiment_score":-0.3095133751630783},{"text":"We're not making any changes or recommendations on any of those.","start":386.83002,"end":389.95,"sentiment":"negative","sentiment_score":-0.44287520105188544}],"sentiment":"neutral","sentiment_score":-0.17279353615912524,"channel":0,"num_words":55,"start":372.575,"end":389.95},{"sentences":[{"text":"We're not scoping in anything to assist with the cash on budgeting at this time.","start":389.95,"end":394.405,"sentiment":"negative","sentiment_score":-0.3749904016653697},{"text":"If you did need additional assistance or new advice down the track, we can certainly help you to look at that.","start":394.405,"end":399.545,"sentiment":"neutral","sentiment_score":0.09674144855567388},{"text":"And then, again, at the bottom there, I've scoped out","start":399.685,"end":401.605,"sentiment":"neutral","sentiment_score":0.04646115228533745}],"sentiment":"neutral","sentiment_score":-0.06801465396647868,"channel":0,"num_words":46,"start":389.95,"end":401.605},{"sentences":[{"text":"What","start":401.545,"end":402.045,"sentiment":"neutral","sentiment_score":0.022122086957097057}],"sentiment":"neutral","sentiment_score":0.022122086957097057,"channel":1,"num_words":1,"start":401.545,"end":402.045},{"sentences":[{"text":"the beneficiary nomination side of the estate planning because you have those current on your super and your insurances.","start":401.605,"end":408.00998,"sentiment":"neutral","sentiment_score":0.08785851711505338},{"text":"They do currently reflect your wishes.","start":408.06998,"end":409.83,"sentiment":"neutral","sentiment_score":0.21157264212767282},{"text":"We'll just keep to review them with you and make changes as we need you down the track.","start":409.83,"end":414.49,"sentiment":"neutral","sentiment_score":0.18578283488750458},{"text":"Okay?","start":414.55,"end":415.05,"sentiment":"neutral","sentiment_score":0.07805459201335907},{"text":"That was on page number five.","start":418.55,"end":420.33,"sentiment":"neutral","sentiment_score":0.09004079798857371}],"sentiment":"neutral","sentiment_score":0.13802276171743869,"channel":0,"num_words":50,"start":401.605,"end":420.33},{"sentences":[{"text":"Yeah.","start":422.205,"end":422.605,"sentiment":"positive","sentiment_score":0.4122388958930969},{"text":"Beautiful.","start":422.605,"end":423.105,"sentiment":"positive","sentiment_score":0.6649488806724548},{"text":"Now I am gonna skip ahead a few pages, but you'll get to take this back and have a really good read at it prior to taking on the advice.","start":423.645,"end":431.025,"sentiment":"neutral","sentiment_score":0.19419756457209586},{"text":"But, essentially, if I can get you to scroll scroll down for me, we're gonna head down to page number 23.","start":431.485,"end":439.48,"sentiment":"neutral","sentiment_score":0.06946652489049095},{"text":"I'll take you through the sections of the advice that I need to to touch on the points that I need to, and then you're welcome to take your document back and have a really good read of it prior to you accepting any of the advice.","start":439.86002,"end":449.96,"sentiment":"neutral","sentiment_score":0.2430187441567157}],"sentiment":"neutral","sentiment_score":0.19783792711794376,"channel":0,"num_words":100,"start":422.205,"end":449.96},{"sentences":[{"text":"Okay?","start":450.255,"end":450.755,"sentiment":"neutral","sentiment_score":0.14917925000190735}],"sentiment":"neutral","sentiment_score":0.14917925000190735,"channel":0,"num_words":1,"start":450.255,"end":450.755},{"sentences":[{"text":"Mhmm.","start":451.55002,"end":452.05002,"sentiment":"neutral","sentiment_score":0.13712123036384585}],"sentiment":"neutral","sentiment_score":0.13712123036384585,"channel":1,"num_words":1,"start":451.55002,"end":452.05002},{"sentences":[{"text":"Beautiful.","start":452.65503,"end":453.15503,"sentiment":"positive","sentiment_score":0.5886591672897339},{"text":"Now when you get to page 23, it should say on the heading there the fee comparison table.","start":454.73502,"end":459.45502,"sentiment":"neutral","sentiment_score":0.13765040867858463},{"text":"So you can just let me know when you get to that point there.","start":459.45502,"end":462.195,"sentiment":"neutral","sentiment_score":0.11626729794910975}],"sentiment":"neutral","sentiment_score":0.14224571802399374,"channel":0,"num_words":33,"start":452.65503,"end":462.195},{"sentences":[{"text":"Okay.","start":463.085,"end":463.585,"sentiment":"neutral","sentiment_score":0.117003932595253}],"sentiment":"neutral","sentiment_score":0.117003932595253,"channel":1,"num_words":1,"start":463.085,"end":463.585},{"sentences":[{"text":"That's okay.","start":464.49503,"end":465.06,"sentiment":"neutral","sentiment_score":0.130392923951149},{"text":"Okay.","start":466.66,"end":467.16,"sentiment":"neutral","sentiment_score":0.09510576725006104}],"sentiment":"neutral","sentiment_score":0.11863053838411967,"channel":0,"num_words":3,"start":464.49503,"end":467.16},{"sentences":[{"text":"Table.","start":466.89,"end":467.39,"sentiment":"neutral","sentiment_score":0.09579341113567352}],"sentiment":"neutral","sentiment_score":0.09579341113567352,"channel":1,"num_words":1,"start":466.89,"end":467.39},{"sentences":[{"text":"Yeah.","start":468.02,"end":468.5,"sentiment":"neutral","sentiment_score":0.2481316328048706},{"text":"Beautiful.","start":468.5,"end":469.0,"sentiment":"positive","sentiment_score":0.5133443474769592},{"text":"So, essentially, with the recommendations there, we had scoped","start":469.78,"end":472.9,"sentiment":"neutral","sentiment_score":0.14486252764860788}],"sentiment":"neutral","sentiment_score":0.1877489753744819,"channel":0,"num_words":11,"start":468.02,"end":472.9},{"sentences":[{"text":"Yep.","start":472.89752,"end":473.39752,"sentiment":"neutral","sentiment_score":0.08193314075469971}],"sentiment":"neutral","sentiment_score":0.08193314075469971,"channel":1,"num_words":1,"start":472.89752,"end":473.39752},{"sentences":[{"text":"in super as I kinda mentioned, and we're looking at trying to meet your goals.","start":472.9,"end":476.36,"sentiment":"neutral","sentiment_score":0.1579587032397588},{"text":"You were hoping to be able to retire at around about the age of 60 there.","start":476.41998,"end":480.345,"sentiment":"neutral","sentiment_score":0.1403244943358004},{"text":"Your super balance is working well, but it has been a little bit lower and held back with returns this year partly because of what's been happening in the markets globally, but also just with the better long Australian equities investments.","start":480.585,"end":491.945,"sentiment":"neutral","sentiment_score":-0.10225222073495388},{"text":"So we agreed to go back and have a really good look at the investments, look at the way the super was structured, and look at whether or not, you know, moving to another fund or moving switching your investments was gonna help a little bit there.","start":491.945,"end":504.47,"sentiment":"neutral","sentiment_score":0.10517973658886362},{"text":"So what I've essentially recommended is that we do retain your Netwealth super fund.","start":504.57498,"end":509.07498,"sentiment":"neutral","sentiment_score":0.12289126802768026}],"sentiment":"neutral","sentiment_score":0.053279374284963855,"channel":0,"num_words":133,"start":472.9,"end":509.07498},{"sentences":[{"text":"I did look at moving to other super funds.","start":509.455,"end":511.935,"sentiment":"neutral","sentiment_score":0.055328561613957085},{"text":"However, there are capital gains taxes for switching and selling investments.","start":511.935,"end":516.355,"sentiment":"neutral","sentiment_score":-0.08914783122864636},{"text":"So if we had to sell down all of your investments and move to another fund, it essentially was a higher capital gains consequence than just retaining your current fund and switching the investments out.","start":516.495,"end":526.98,"sentiment":"neutral","sentiment_score":-0.029063916738544193},{"text":"The other side of that is you also do have your own income protection claim.","start":527.28,"end":531.12,"sentiment":"neutral","sentiment_score":0.07946349481741587},{"text":"So it does mean, you know, moving all the other bits and pieces and parts.","start":531.12,"end":534.64,"sentiment":"neutral","sentiment_score":0.07004733011126518}],"sentiment":"neutral","sentiment_score":0.008738308224607916,"channel":0,"num_words":85,"start":509.455,"end":534.64},{"sentences":[{"text":"So with everything you've got going on at the moment, trying to keep this as easy as possible for you, limit the overall complexity, but making sure your super is working harder for you.","start":534.64,"end":544.365,"sentiment":"neutral","sentiment_score":0.13860581815242767},{"text":"So I'm recommending we retain your Netwealth Superfund itself so that we switch the investments within that.","start":544.585,"end":550.925,"sentiment":"neutral","sentiment_score":0.17528026857796838},{"text":"Now on the top line there, you've got your current balance, $191,001.47.","start":551.27997,"end":556.42,"sentiment":"neutral","sentiment_score":0.09824874127904575},{"text":"Essentially, I'll take you through the investment switch switches shortly.","start":557.04,"end":560.18,"sentiment":"neutral","sentiment_score":0.10880847377702593},{"text":"But in order to switch the investments or to ultra investments within your super, there are capital gains consequences for your super fund.","start":561.12,"end":568.055,"sentiment":"neutral","sentiment_score":-0.013229593634605408}],"sentiment":"neutral","sentiment_score":0.10057449335969675,"channel":0,"num_words":96,"start":534.64,"end":568.055},{"sentences":[{"text":"This doesn't affect you personally.","start":568.055,"end":569.755,"sentiment":"neutral","sentiment_score":0.03802901729941368},{"text":"Your super fund likely does a tax return every year, and your super fund pays income tax and capital gains tax.","start":570.135,"end":576.235,"sentiment":"neutral","sentiment_score":0.09084713352578026},{"text":"Essentially, to make the switch and to change the investments within your super fund, the expected capital gains consequence there is $1,938.","start":576.695,"end":586.60004,"sentiment":"neutral","sentiment_score":0.10274548710069874},{"text":"So you can see that in the differences column there.","start":586.60004,"end":589.08,"sentiment":"neutral","sentiment_score":0.06202309392392635},{"text":"Okay?","start":589.08,"end":589.58,"sentiment":"neutral","sentiment_score":0.011455457657575607}],"sentiment":"neutral","sentiment_score":0.0845766441296723,"channel":0,"num_words":59,"start":568.055,"end":589.58},{"sentences":[{"text":"Sorry.","start":592.61005,"end":592.93,"sentiment":"neutral","sentiment_score":-0.04280238598585129},{"text":"That's switching over, is it?","start":592.93,"end":594.71,"sentiment":"neutral","sentiment_score":-0.03146131709218025}],"sentiment":"neutral","sentiment_score":-0.03335149524112543,"channel":1,"num_words":6,"start":592.61005,"end":594.71},{"sentences":[{"text":"So you're retaining your super fund, but we're changing the underlying investments there.","start":595.76495,"end":600.40497,"sentiment":"neutral","sentiment_score":-0.0025241165780104124},{"text":"So","start":600.40497,"end":600.805,"sentiment":"neutral","sentiment_score":0.01295781135559082}],"sentiment":"neutral","sentiment_score":-0.0014182645827531815,"channel":0,"num_words":14,"start":595.76495,"end":600.805},{"sentences":[{"text":"Yeah.","start":600.69,"end":601.09,"sentiment":"neutral","sentiment_score":0.015655215829610825}],"sentiment":"neutral","sentiment_score":0.015655215829610825,"channel":1,"num_words":1,"start":600.69,"end":601.09},{"sentences":[{"text":"the cost","start":600.805,"end":601.445,"sentiment":"neutral","sentiment_score":0.0172349838539958}],"sentiment":"neutral","sentiment_score":0.0172349838539958,"channel":0,"num_words":2,"start":600.805,"end":601.445},{"sentences":[{"text":"Yeah.","start":601.09,"end":601.575,"sentiment":"neutral","sentiment_score":0.05223699286580086}],"sentiment":"neutral","sentiment_score":0.05223699286580086,"channel":1,"num_words":1,"start":601.09,"end":601.575},{"sentences":[{"text":"for doing so, the the capital gains consequence for your super fund is expected to be $1,938.","start":601.445,"end":609.305,"sentiment":"neutral","sentiment_score":0.061202351880424166},{"text":"Okay?","start":609.81,"end":610.31,"sentiment":"neutral","sentiment_score":0.02108071371912956}],"sentiment":"neutral","sentiment_score":0.05897337198257446,"channel":0,"num_words":18,"start":601.445,"end":610.31},{"sentences":[{"text":"Okay.","start":611.815,"end":612.295,"sentiment":"neutral","sentiment_score":0.004584936425089836},{"text":"So that gets","start":612.295,"end":613.09503,"sentiment":"neutral","sentiment_score":-0.018874385083715122}],"sentiment":"neutral","sentiment_score":-0.013009554706513882,"channel":1,"num_words":4,"start":611.815,"end":613.09503},{"sentences":[{"text":"Yep.","start":613.09,"end":613.59,"sentiment":"neutral","sentiment_score":-0.039228200912475586}],"sentiment":"neutral","sentiment_score":-0.039228200912475586,"channel":0,"num_words":1,"start":613.09,"end":613.59},{"sentences":[{"text":"taken out of the account.","start":613.09503,"end":615.68,"sentiment":"neutral","sentiment_score":-0.10769952684640885},{"text":"Is that","start":616.14,"end":616.46,"sentiment":"neutral","sentiment_score":-0.013623583130538464}],"sentiment":"neutral","sentiment_score":-0.08082068578473159,"channel":1,"num_words":7,"start":613.09503,"end":616.46},{"sentences":[{"text":"That's","start":616.45,"end":616.85004,"sentiment":"neutral","sentiment_score":-0.006560472305864096}],"sentiment":"neutral","sentiment_score":-0.006560472305864096,"channel":0,"num_words":1,"start":616.45,"end":616.85004},{"sentences":[{"text":"right?","start":616.46,"end":616.96,"sentiment":"neutral","sentiment_score":0.0014603398740291595}],"sentiment":"neutral","sentiment_score":0.0014603398740291595,"channel":1,"num_words":1,"start":616.46,"end":616.96},{"sentences":[{"text":"correct.","start":616.85004,"end":617.33,"sentiment":"neutral","sentiment_score":0.005922369658946991},{"text":"It's a tax.","start":617.33,"end":618.29004,"sentiment":"neutral","sentiment_score":-0.06403161709507306},{"text":"Yeah.","start":618.29004,"end":618.69,"sentiment":"neutral","sentiment_score":0.028290271759033203},{"text":"So capital gains is c CGT is capital gains tax.","start":618.69,"end":622.335,"sentiment":"neutral","sentiment_score":0.03064306564629078},{"text":"And whenever you buy and sell investments, there are capital gains consequences for doing so.","start":622.41504,"end":627.395,"sentiment":"neutral","sentiment_score":0.0596982978284359}],"sentiment":"neutral","sentiment_score":0.03480076380074024,"channel":0,"num_words":30,"start":616.85004,"end":627.395},{"sentences":[{"text":"So your super fund will pay capital gains tax of $1,938.","start":627.455,"end":632.17505,"sentiment":"neutral","sentiment_score":0.19634028727358038},{"text":"So it reduces the upfront balance.","start":632.17505,"end":634.11505,"sentiment":"neutral","sentiment_score":0.19314306353529295},{"text":"That means that with the new portfolio, once we've made the switch, the expected super balance within the fund is 189,209.","start":634.74,"end":644.28,"sentiment":"neutral","sentiment_score":0.20342191876400084}],"sentiment":"neutral","sentiment_score":0.19974899566487261,"channel":0,"num_words":38,"start":627.455,"end":644.28},{"sentences":[{"text":"Okay.","start":645.93,"end":646.33,"sentiment":"neutral","sentiment_score":0.07932425290346146},{"text":"So the switching from the current one to the new one,","start":646.33,"end":649.79,"sentiment":"neutral","sentiment_score":0.057756875387646935}],"sentiment":"neutral","sentiment_score":0.059554156847298145,"channel":1,"num_words":12,"start":645.93,"end":649.79},{"sentences":[{"text":"Mhmm.","start":650.555,"end":651.055,"sentiment":"neutral","sentiment_score":0.09383293986320496}],"sentiment":"neutral","sentiment_score":0.09383293986320496,"channel":0,"num_words":1,"start":650.555,"end":651.055},{"sentences":[{"text":"what benefit does it give?","start":651.85,"end":653.775,"sentiment":"neutral","sentiment_score":0.1565616875886917},{"text":"Like","start":654.09503,"end":654.59503,"sentiment":"neutral","sentiment_score":0.08477950841188431}],"sentiment":"neutral","sentiment_score":0.1445979910592238,"channel":1,"num_words":6,"start":651.85,"end":654.59503},{"sentences":[{"text":"Oh, yeah.","start":654.795,"end":655.355,"sentiment":"neutral","sentiment_score":0.2837517634034157},{"text":"Perfect.","start":655.355,"end":655.855,"sentiment":"positive","sentiment_score":0.515964686870575},{"text":"Yeah.","start":655.995,"end":656.15497,"sentiment":"positive","sentiment_score":0.4289259612560272},{"text":"I can show you that.","start":656.15497,"end":657.035,"sentiment":"positive","sentiment_score":0.43965070843696596},{"text":"So the benefits there are that the investment fees are reduced.","start":657.035,"end":659.995,"sentiment":"positive","sentiment_score":0.4287159768017856}],"sentiment":"positive","sentiment_score":0.42132617309689524,"channel":0,"num_words":20,"start":654.795,"end":659.995},{"sentences":[{"text":"So the newer portfolio, if you have a look at the second line there in your current fund, you're paying $548 for investment fees.","start":659.995,"end":668.25,"sentiment":"neutral","sentiment_score":0.3127168193459511},{"text":"By switching to the newer fund, we actually save a $194 on investment fees for the first year.","start":668.47003,"end":675.05005,"sentiment":"positive","sentiment_score":0.5661835190322664},{"text":"Alright?","start":675.27,"end":675.51,"sentiment":"neutral","sentiment_score":0.3309088945388794},{"text":"So definitely, there's more money in your super working harder for you.","start":675.51,"end":679.15497,"sentiment":"positive","sentiment_score":0.5321439156929652},{"text":"It reduces the investment costs.","start":679.15497,"end":680.935,"sentiment":"positive","sentiment_score":0.3633687436580658}],"sentiment":"positive","sentiment_score":0.4371664434671402,"channel":0,"num_words":60,"start":659.995,"end":680.935},{"sentences":[{"text":"The other side of it is the the growth or the five year rolling average.","start":681.875,"end":686.595,"sentiment":"neutral","sentiment_score":0.08980439851681392},{"text":"If you look at the very bottom of that table, you've got the five year rolling average there.","start":686.595,"end":691.39496,"sentiment":"neutral","sentiment_score":0.07517755238546266},{"text":"When you look at the older fund, it's averaged about 10.47% on a yearly basis.","start":691.39496,"end":696.70996,"sentiment":"neutral","sentiment_score":0.03157889246940613},{"text":"The newer fund has averaged 10.71%.","start":697.01,"end":700.23,"sentiment":"neutral","sentiment_score":0.08726760745048523},{"text":"So it has the newer fund has had a a greater past performance, which if it can do the same thing over the next sort of five to ten years, can put you in a greater, in a greater position down the track.","start":700.29,"end":713.02496,"sentiment":"positive","sentiment_score":0.5598514703817146}],"sentiment":"neutral","sentiment_score":0.286300661637611,"channel":0,"num_words":97,"start":681.875,"end":713.02496},{"sentences":[{"text":"The five year rolling average, 10.47.","start":713.755,"end":717.81,"sentiment":"neutral","sentiment_score":0.25092507898807526},{"text":"I just downloaded the report from the net well, website for the five year rolling like, five year average.","start":717.89,"end":726.85,"sentiment":"neutral","sentiment_score":0.23009972588012093},{"text":"It wasn't 10.47% at all.","start":726.85,"end":730.15,"sentiment":"neutral","sentiment_score":0.08048624694347381},{"text":"It 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seven.","start":731.275,"end":732.015,"sentiment":"neutral","sentiment_score":-0.04835650883615017}],"sentiment":"neutral","sentiment_score":-0.04835650883615017,"channel":1,"num_words":2,"start":731.275,"end":732.015},{"sentences":[{"text":"yeah.","start":732.72504,"end":732.885,"sentiment":"neutral","sentiment_score":-0.01697218231856823},{"text":"So this isn't necessarily your five year rolling average.","start":732.885,"end":735.84503,"sentiment":"neutral","sentiment_score":-0.029470032081007957},{"text":"This is the five year rolling average that this portfolio has been able to obtain in general.","start":735.84503,"end":741.385,"sentiment":"neutral","sentiment_score":0.09547997923458323},{"text":"So, obviously, what you actually get in the fund can be very different to what the what the portfolio can return because there's many other factors involved there.","start":741.84503,"end":750.82,"sentiment":"neutral","sentiment_score":-0.06141312646546534},{"text":"When you think about 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saying is 10.7 across five years versus 10.71 across five years is not much of an increase, really.","start":1081.0,"end":1087.775,"sentiment":"neutral","sentiment_score":-0.3160689153841564},{"text":"That's what I mean.","start":1088.715,"end":1089.775,"sentiment":"neutral","sentiment_score":-0.12609727680683136},{"text":"Like, point two four","start":1089.835,"end":1091.135,"sentiment":"neutral","sentiment_score":-0.03900816710665822}],"sentiment":"neutral","sentiment_score":-0.2516506551283187,"channel":1,"num_words":29,"start":1081.0,"end":1091.135},{"sentences":[{"text":"Yeah.","start":1091.26,"end":1091.595,"sentiment":"neutral","sentiment_score":-0.004353756085038185}],"sentiment":"neutral","sentiment_score":-0.004353756085038185,"channel":0,"num_words":1,"start":1091.26,"end":1091.595},{"sentences":[{"text":"percent.","start":1091.595,"end":1092.095,"sentiment":"neutral","sentiment_score":-0.013246040791273115},{"text":"So and then, yeah, and then I have to pay the the 1,938 for capital gains.","start":1093.755,"end":1100.8401,"sentiment":"neutral","sentiment_score":-0.01853206375380978},{"text":"And then because I'm looking at the table underneath lump sum in five years and you're comparing the two funds","start":1104.18,"end":1110.92,"sentiment":"neutral","sentiment_score":-0.016300037410110234}],"sentiment":"neutral","sentiment_score":-0.017182697542011738,"channel":1,"num_words":37,"start":1091.595,"end":1110.92},{"sentences":[{"text":"Mhmm.","start":1110.8099,"end":1111.3099,"sentiment":"neutral","sentiment_score":-0.060257501900196075}],"sentiment":"neutral","sentiment_score":-0.060257501900196075,"channel":0,"num_words":1,"start":1110.8099,"end":1111.3099},{"sentences":[{"text":"for a difference of 4,200.","start":1111.2201,"end":1113.875,"sentiment":"neutral","sentiment_score":-0.07348002195358276},{"text":"I've already paid 2,000 in capital gains for that.","start":1113.935,"end":1118.755,"sentiment":"neutral","sentiment_score":-0.05046838977270656},{"text":"So is this new fund what is it considered conservative?","start":1119.135,"end":1124.755,"sentiment":"neutral","sentiment_score":-0.10984313786029816},{"text":"Or is it because","start":1125.44,"end":1126.88,"sentiment":"neutral","sentiment_score":-0.11641059629619122}],"sentiment":"neutral","sentiment_score":-0.0852031921967864,"channel":1,"num_words":28,"start":1111.2201,"end":1126.88},{"sentences":[{"text":"No.","start":1126.855,"end":1127.255,"sentiment":"neutral","sentiment_score":-0.26503095030784607}],"sentiment":"neutral","sentiment_score":-0.26503095030784607,"channel":0,"num_words":1,"start":1126.855,"end":1127.255},{"sentences":[{"text":"I know that","start":1126.88,"end":1127.36,"sentiment":"neutral","sentiment_score":-0.22925407687822977}],"sentiment":"neutral","sentiment_score":-0.22925407687822977,"channel":1,"num_words":3,"start":1126.88,"end":1127.36},{"sentences":[{"text":"Not","start":1127.255,"end":1127.755,"sentiment":"neutral","sentiment_score":-0.27052780985832214}],"sentiment":"neutral","sentiment_score":-0.27052780985832214,"channel":0,"num_words":1,"start":1127.255,"end":1127.755},{"sentences":[{"text":"there are funds where you can select to have, like, payout, like, high dividend.","start":1127.36,"end":1138.1,"sentiment":"neutral","sentiment_score":-0.16564213803836278},{"text":"Is that right?","start":1139.84,"end":1140.795,"sentiment":"neutral","sentiment_score":-0.0656627689798673}],"sentiment":"neutral","sentiment_score":-0.1479987199692165,"channel":1,"num_words":17,"start":1127.36,"end":1140.795},{"sentences":[{"text":"mhmm.","start":1140.4701,"end":1140.9701,"sentiment":"neutral","sentiment_score":0.01136088650673628},{"text":"Yes.","start":1142.4701,"end":1142.87,"sentiment":"neutral","sentiment_score":0.08882319927215576},{"text":"So most funds do pay dividends.","start":1142.87,"end":1145.2101,"sentiment":"neutral","sentiment_score":0.1559146667520205},{"text":"Are you sort of talking about the funds that pay higher dividends?","start":1145.595,"end":1148.655,"sentiment":"neutral","sentiment_score":0.03682324352363745}],"sentiment":"neutral","sentiment_score":0.07387755042873323,"channel":0,"num_words":20,"start":1140.4701,"end":1148.655},{"sentences":[{"text":"I yeah.","start":1148.9551,"end":1150.175,"sentiment":"neutral","sentiment_score":0.05304015427827835}],"sentiment":"neutral","sentiment_score":0.05304015427827835,"channel":1,"num_words":2,"start":1148.9551,"end":1150.175},{"sentences":[{"text":"Mhmm.","start":1150.715,"end":1151.115,"sentiment":"neutral","sentiment_score":0.034553226083517075},{"text":"Yeah.","start":1151.115,"end":1151.355,"sentiment":"neutral","sentiment_score":0.0730222761631012},{"text":"So dividends are not a requirement for any fund.","start":1151.355,"end":1154.1749,"sentiment":"neutral","sentiment_score":0.025147843692037795},{"text":"Most ETFs and investments do pay out dividends, but not all of them do.","start":1154.235,"end":1159.775,"sentiment":"neutral","sentiment_score":0.08248000246073518},{"text":"Essentially, they are generated by the underlying companies.","start":1160.4801,"end":1163.36,"sentiment":"neutral","sentiment_score":0.05562981124967337}],"sentiment":"neutral","sentiment_score":0.05859589757341327,"channel":0,"num_words":33,"start":1150.715,"end":1163.36},{"sentences":[{"text":"And if underlying companies don't have good years, then there's no guarantees that dividends are gonna be paid out.","start":1163.36,"end":1169.68,"sentiment":"neutral","sentiment_score":-0.06036304329570971},{"text":"But majority of the funds that we put you in ETFs do actually pay out dividends, and that it's considered income in the portfolio, which is then reinvested back into your portfolio for the compounding effect.","start":1169.68,"end":1181.905,"sentiment":"neutral","sentiment_score":0.19733009383910233}],"sentiment":"neutral","sentiment_score":0.10830882828343999,"channel":0,"num_words":55,"start":1163.36,"end":1181.905},{"sentences":[{"text":"So what would you classify this this fund as?","start":1183.32,"end":1187.24,"sentiment":"neutral","sentiment_score":0.00916964022649659},{"text":"This is not conservative.","start":1187.24,"end":1188.2999,"sentiment":"negative","sentiment_score":-0.45858234167099}],"sentiment":"neutral","sentiment_score":-0.13475404651119158,"channel":1,"num_words":13,"start":1183.32,"end":1188.2999},{"sentences":[{"text":"It's no.","start":1188.045,"end":1189.4601,"sentiment":"negative","sentiment_score":-0.3634554594755173},{"text":"You're in a growth fund.","start":1189.4601,"end":1190.74,"sentiment":"neutral","sentiment_score":-0.1658293515443802},{"text":"So the idea is when you think about risk out of a level between, say, one and five, five being the highest level of risk and maybe one being the lowest or sitting in cash, you're realistically sitting at about a three.","start":1190.74,"end":1202.645,"sentiment":"neutral","sentiment_score":-0.09164272000392278},{"text":"So you're kind of mid range there, but I wouldn't put it as conservative.","start":1202.645,"end":1206.025,"sentiment":"neutral","sentiment_score":-0.14251836176429475},{"text":"You are 80% invested in those growth assets, so you are taking on a bit more risk in the market to try and get greater potential returns.","start":1206.1649,"end":1213.7849,"sentiment":"neutral","sentiment_score":-0.020873164689099347}],"sentiment":"neutral","sentiment_score":-0.08848760475715002,"channel":0,"num_words":90,"start":1188.045,"end":1213.7849},{"sentences":[{"text":"No.","start":1214.71,"end":1215.21,"sentiment":"neutral","sentiment_score":-0.10238326340913773}],"sentiment":"neutral","sentiment_score":-0.10238326340913773,"channel":1,"num_words":1,"start":1214.71,"end":1215.21},{"sentences":[{"text":"Realistically, this sort of environment suits someone who's about six years away from or at least six years away from accessing their super.","start":1214.73,"end":1223.31,"sentiment":"neutral","sentiment_score":0.017199459931124813},{"text":"So you've got that time horizon ahead of you still currently.","start":1223.37,"end":1226.59,"sentiment":"neutral","sentiment_score":0.09693161669102582},{"text":"When you are sort of within that six years, I would be definitely recommending that we reduce the risk level somewhat.","start":1227.465,"end":1233.165,"sentiment":"neutral","sentiment_score":0.13818300834723882},{"text":"But the other side of that is with your goals.","start":1233.545,"end":1235.465,"sentiment":"neutral","sentiment_score":0.022706494852900504},{"text":"So you're sort of wanting to access super at around about the age of 60.","start":1235.465,"end":1239.165,"sentiment":"neutral","sentiment_score":0.13892874519030254}],"sentiment":"neutral","sentiment_score":0.0834334332961589,"channel":0,"num_words":80,"start":1214.73,"end":1239.165},{"sentences":[{"text":"And your goal income in that time frame, I believe, was about $1,500 per week.","start":1239.6,"end":1244.58,"sentiment":"neutral","sentiment_score":0.08576814184586207},{"text":"And so, realistically, with your balance at the moment, we need to either get a bit more growth or consider putting more funds in the super.","start":1244.72,"end":1252.26,"sentiment":"neutral","sentiment_score":0.072458805086521},{"text":"I am also recommending as per our last conversation that you do salary sacrifice $50 per month, which is more your comfort level.","start":1252.485,"end":1260.405,"sentiment":"neutral","sentiment_score":0.24089453401772873},{"text":"It works at about $12.50 per week.","start":1260.405,"end":1263.225,"sentiment":"positive","sentiment_score":0.3527064919471741},{"text":"I'm putting that into super to kind of provide a bit more of a boost to it.","start":1263.605,"end":1267.5599,"sentiment":"positive","sentiment_score":0.5910301138372982}],"sentiment":"neutral","sentiment_score":0.24122139455919916,"channel":0,"num_words":88,"start":1239.6,"end":1267.5599},{"sentences":[{"text":"Because, realistically, given the current balance you have and the amount of, you know, how it has kinda grown and with the limited amount of contributions going into the fund, over the next sort of five to ten years and even thirteen years towards your retirement goal at the age of 60, as you can see by the projection table there, it's under the current scenario projected to be around 377,000 under the recommended about 398,000.","start":1268.02,"end":1297.23,"sentiment":"neutral","sentiment_score":0.1114505065335451},{"text":"So, realistically, that's a little bit low for where you should be based on your goal.","start":1297.2899,"end":1303.0499,"sentiment":"neutral","sentiment_score":-0.16879693511873484},{"text":"It does mean that if you draw out $1,500 per week from your super, your super is not gonna last as long as what you would sorta hope it to be.","start":1303.0499,"end":1312.405,"sentiment":"neutral","sentiment_score":-0.281222895268471},{"text":"And it means that sort of you eventually may have to rely on, you know, the age pension if you're eligible for that down the track.","start":1312.545,"end":1319.505,"sentiment":"neutral","sentiment_score":-0.09500119541413508},{"text":"So it's about looking at ways to boost your super as much as possible within the limitations that we have.","start":1319.505,"end":1325.63,"sentiment":"neutral","sentiment_score":0.29808175936341286}],"sentiment":"neutral","sentiment_score":0.003214094010815465,"channel":0,"num_words":169,"start":1268.02,"end":1325.63},{"sentences":[{"text":"Okay.","start":1328.0399,"end":1328.5399,"sentiment":"neutral","sentiment_score":0.1288788914680481},{"text":"So this scenario under the recommended column is provided provided that I put in that extra $50.","start":1328.6,"end":1337.32,"sentiment":"neutral","sentiment_score":0.12025121117339414},{"text":"Is that right?","start":1337.32,"end":1338.14,"sentiment":"neutral","sentiment_score":0.13813641667366028}],"sentiment":"neutral","sentiment_score":0.12321708244936806,"channel":1,"num_words":21,"start":1328.0399,"end":1338.14},{"sentences":[{"text":"It is.","start":1337.945,"end":1338.6849,"sentiment":"neutral","sentiment_score":0.1784427911043167},{"text":"Yeah.","start":1338.745,"end":1338.985,"sentiment":"neutral","sentiment_score":0.14614610373973846},{"text":"That's including the recommended $50 per month.","start":1338.985,"end":1341.965,"sentiment":"neutral","sentiment_score":0.0853808947971889},{"text":"Yeah.","start":1342.025,"end":1342.525,"sentiment":"neutral","sentiment_score":-0.004335738718509674},{"text":"If you choose not to do so, that's honestly okay.","start":1346.52,"end":1349.18,"sentiment":"neutral","sentiment_score":-0.25451198890805243}],"sentiment":"neutral","sentiment_score":-0.06898846087001619,"channel":0,"num_words":21,"start":1337.945,"end":1349.18},{"sentences":[{"text":"But my concern is that without sort of increasing contributions in and I know you've got a lot going on too, so it may not be that you're able to.","start":1349.5599,"end":1357.635,"sentiment":"neutral","sentiment_score":-0.32510770907004677},{"text":"But with our last conversation there last time, it was just about what your comfort level was to be able to add to your super to kinda build on that a little bit.","start":1358.035,"end":1366.295,"sentiment":"neutral","sentiment_score":0.2224399122324857},{"text":"But I do have a bit of a concern that if you're, you know, you get to age 60 and are wanting to draw out the income that you are with the way we have things invested in super.","start":1366.995,"end":1377.1901,"sentiment":"neutral","sentiment_score":-0.25504472335943806},{"text":"So when you actually do retire, we would not wanna see you in that growth kind of environment.","start":1377.41,"end":1382.23,"sentiment":"negative","sentiment_score":-0.43861303726832074},{"text":"We would wanna see you in more of a conservative environment, which is less of those growth assets and more income producing assets.","start":1382.29,"end":1389.545,"sentiment":"neutral","sentiment_score":-0.2168000560739766}],"sentiment":"neutral","sentiment_score":-0.17650975062922164,"channel":0,"num_words":143,"start":1349.5599,"end":1389.545},{"sentences":[{"text":"So you're looking at things like cash, bonds, and fixed interest.","start":1389.545,"end":1392.605,"sentiment":"neutral","sentiment_score":-0.017789748581972988},{"text":"Those sorts of investments are and do generate lower rates of returns than your current portfolio can and would.","start":1392.905,"end":1400.125,"sentiment":"neutral","sentiment_score":-0.1413389232597853},{"text":"In generally, when we're looking at conservative projections in retirement, we wouldn't sort of expect more than, say, a five or 6% return on an annual basis compounding that forward.","start":1401.51,"end":1411.3701,"sentiment":"neutral","sentiment_score":-0.1370280998448531},{"text":"So it does mean that when you are drawing larger sums of money on a weekly basis to cover your retirement, that you are, you know, easing into your capital when your returns are much lower.","start":1411.5901,"end":1423.105,"sentiment":"neutral","sentiment_score":-0.14894786270128357},{"text":"Being in that kinda conservative environment in the retirement years means that we are hoping to generate as much income as possible to help your draw downs, but it's not always guaranteed, and it's still dependent on markets.","start":1423.645,"end":1435.7999,"sentiment":"neutral","sentiment_score":-0.21774857510861598}],"sentiment":"neutral","sentiment_score":-0.15394431853027485,"channel":0,"num_words":134,"start":1389.545,"end":1435.7999},{"sentences":[{"text":"You are still invested in markets, and markets still go up and down.","start":1435.7999,"end":1439.1599,"sentiment":"negative","sentiment_score":-0.3588545872614934},{"text":"And even defensive investments, while they still don't see the greater ups and downs that the higher level of risk or the shares do, they still are impacted by inflation.","start":1439.1599,"end":1449.835,"sentiment":"negative","sentiment_score":-0.36856107811133065},{"text":"They still are impacted by market ups and downs, essentially.","start":1449.895,"end":1453.0349,"sentiment":"negative","sentiment_score":-0.4090789794921875},{"text":"Does that all make sense?","start":1453.4149,"end":1454.715,"sentiment":"neutral","sentiment_score":-0.1850884348154068}],"sentiment":"negative","sentiment_score":-0.3575547232196249,"channel":0,"num_words":58,"start":1435.7999,"end":1454.715},{"sentences":[{"text":"Yeah.","start":1455.35,"end":1455.85,"sentiment":"neutral","sentiment_score":-0.07072833180427551}],"sentiment":"neutral","sentiment_score":-0.07072833180427551,"channel":1,"num_words":1,"start":1455.35,"end":1455.85},{"sentences":[{"text":"Yeah.","start":1456.615,"end":1457.115,"sentiment":"neutral","sentiment_score":0.012999676167964935},{"text":"So whilst this is not perfect, and I fully get that, it's about trying to adjust the portfolio as much as possible so that we can hopefully lower fees for you, keep more money invested in your portfolio working a little bit harder, and maybe also alter the investments so that you're invested in a portfolio that can generate greater returns.","start":1460.39,"end":1480.235,"sentiment":"neutral","sentiment_score":0.14740677717615103},{"text":"Admittedly, I'm honest, and I'll tell you upfront, there's no guarantees that this is going to generate greater returns.","start":1480.9349,"end":1486.455,"sentiment":"neutral","sentiment_score":-0.09202654517598842},{"text":"There's always a risk with that.","start":1486.455,"end":1488.1549,"sentiment":"negative","sentiment_score":-0.36655113101005554},{"text":"But","start":1488.77,"end":1489.09,"sentiment":"neutral","sentiment_score":-0.02240622043609619}],"sentiment":"neutral","sentiment_score":0.05721131498946554,"channel":0,"num_words":88,"start":1456.615,"end":1489.09},{"sentences":[{"text":"Yeah.","start":1488.98,"end":1489.48,"sentiment":"neutral","sentiment_score":0.058385223150253296}],"sentiment":"neutral","sentiment_score":0.058385223150253296,"channel":1,"num_words":1,"start":1488.98,"end":1489.48},{"sentences":[{"text":"part of having financial advisers is that we can review that with you at review time.","start":1489.09,"end":1493.6699,"sentiment":"neutral","sentiment_score":0.17634050594642758},{"text":"I'd like to do a bit of a catch up with you in six months.","start":1494.0499,"end":1496.37,"sentiment":"neutral","sentiment_score":0.18363855630159379},{"text":"If you take the recommendations and we make the switch into the newer portfolio, we can do a review maybe in six months' time, see how it's performing, how your how it's working in your super for you.","start":1496.37,"end":1508.665,"sentiment":"neutral","sentiment_score":0.23869202011509946},{"text":"And if it's not working, then we look at what else to do so we can continuously keep working and building on it and, you know, adjusting the super as we need to.","start":1508.725,"end":1517.96,"sentiment":"neutral","sentiment_score":0.11342318006085628},{"text":"I think one of the biggest things to sort of note is that investments that might have been good about four or five years ago within your super may not be the same or may not be working as much now.","start":1517.96,"end":1528.78,"sentiment":"neutral","sentiment_score":-0.24725110356400654}],"sentiment":"neutral","sentiment_score":0.0577062440554162,"channel":0,"num_words":143,"start":1489.09,"end":1528.78},{"sentences":[{"text":"It's also about readjusting and realigning your portfolio.","start":1528.875,"end":1532.575,"sentiment":"neutral","sentiment_score":-0.030246841488406062},{"text":"So we also do and I have recommended as part of it that we do also a rebalancing because different investments grow at different rates.","start":1532.715,"end":1541.195,"sentiment":"neutral","sentiment_score":0.0910637691617012},{"text":"So if, for example, you were recommended to say, gold and then a couple of shares or at 10% each, depending on the different market reactions, one of those shares might go down, the other one might go up, and the other one, you know, the gold might go up by 20% more.","start":1541.195,"end":1557.29,"sentiment":"neutral","sentiment_score":-0.048596810162910876},{"text":"So you end up increasing your risk level with the difference in the ups and downs in the share market.","start":1557.29,"end":1564.055,"sentiment":"neutral","sentiment_score":-0.27194384634494784},{"text":"And so rebalancing your portfolio helps to sell some of the investments that have grown at a faster rate than others.","start":1564.5951,"end":1571.4751,"sentiment":"neutral","sentiment_score":0.16389006766534986}],"sentiment":"neutral","sentiment_score":-0.019985802735634675,"channel":0,"num_words":127,"start":1528.875,"end":1571.4751},{"sentences":[{"text":"It helps to, you know, redistribute growth back into other areas of the portfolio, and we buy into certain areas where there might not have been as much growth as well.","start":1571.4751,"end":1581.9199,"sentiment":"neutral","sentiment_score":0.13257126846621115},{"text":"So this is about rebalancing things, readjusting the portfolio.","start":1581.9199,"end":1585.905,"sentiment":"neutral","sentiment_score":0.15028928385840523},{"text":"But as I said, there's no guarantees, and I'll be very upfront with you about that.","start":1585.905,"end":1590.245,"sentiment":"neutral","sentiment_score":0.05710852472111583}],"sentiment":"neutral","sentiment_score":0.11385802272707224,"channel":0,"num_words":56,"start":1571.4751,"end":1590.245},{"sentences":[{"text":"Okay.","start":1591.555,"end":1592.055,"sentiment":"neutral","sentiment_score":0.06167333200573921}],"sentiment":"neutral","sentiment_score":0.06167333200573921,"channel":1,"num_words":1,"start":1591.555,"end":1592.055},{"sentences":[{"text":"Yeah.","start":1593.1051,"end":1593.6051,"sentiment":"neutral","sentiment_score":0.05520607531070709}],"sentiment":"neutral","sentiment_score":0.05520607531070709,"channel":0,"num_words":1,"start":1593.1051,"end":1593.6051},{"sentences":[{"text":"So did you say that this recommendation was a level three?","start":1593.155,"end":1597.095,"sentiment":"neutral","sentiment_score":0.03945472091436386},{"text":"Is that right?","start":1597.395,"end":1598.16,"sentiment":"neutral","sentiment_score":0.058552092562119164}],"sentiment":"neutral","sentiment_score":0.043547014838882854,"channel":1,"num_words":14,"start":1593.155,"end":1598.16},{"sentences":[{"text":"Yeah.","start":1598.63,"end":1598.95,"sentiment":"neutral","sentiment_score":-0.00458936020731926},{"text":"When you consider risk out of between between one and five, you're sitting at a risk level of about a three.","start":1598.95,"end":1604.23,"sentiment":"neutral","sentiment_score":-0.11854050237508047},{"text":"Yeah.","start":1604.23,"end":1604.73,"sentiment":"neutral","sentiment_score":0.01235613226890564}],"sentiment":"neutral","sentiment_score":-0.10789494686152624,"channel":0,"num_words":23,"start":1598.63,"end":1604.73},{"sentences":[{"text":"Okay.","start":1605.36,"end":1605.86,"sentiment":"neutral","sentiment_score":0.0056169116869568825},{"text":"What are what is what is number four and five look like?","start":1605.92,"end":1608.98,"sentiment":"neutral","sentiment_score":0.010778196078414718}],"sentiment":"neutral","sentiment_score":0.010381174202148732,"channel":1,"num_words":13,"start":1605.36,"end":1608.98},{"sentences":[{"text":"Well, number four would be high growth, so you would see 90% of your super invested in those growth assets.","start":1609.19,"end":1615.465,"sentiment":"neutral","sentiment_score":0.04443254061043263},{"text":"And then if you think about number 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hold.","start":2174.955,"end":2179.355,"sentiment":"neutral","sentiment_score":0.14027843411479676},{"text":"That's about 5%.","start":2179.355,"end":2180.815,"sentiment":"neutral","sentiment_score":0.09737628201643626},{"text":"That's the beta shares hack investment you can see there.","start":2181.115,"end":2184.415,"sentiment":"neutral","sentiment_score":0.060710478015244006},{"text":"You're still off no.","start":2185.6199,"end":2188.0999,"sentiment":"neutral","sentiment_score":-0.08780735917389393}],"sentiment":"neutral","sentiment_score":0.08929173479419808,"channel":0,"num_words":43,"start":2170.155,"end":2188.0999},{"sentences":[{"text":"Yeah.","start":2188.0999,"end":2188.42,"sentiment":"neutral","sentiment_score":-0.017923597246408463},{"text":"Just dropping it a little bit.","start":2188.42,"end":2189.6199,"sentiment":"neutral","sentiment_score":-0.08985847607254982},{"text":"You're at 5.19%.","start":2189.6199,"end":2191.6199,"sentiment":"neutral","sentiment_score":-0.025823802997668583},{"text":"We only wanna hold 5%.","start":2191.6199,"end":2193.4,"sentiment":"neutral","sentiment_score":-0.014398615062236785},{"text":"So, essentially, that investment's seeing some really good growth.","start":2193.46,"end":2197.14,"sentiment":"positive","sentiment_score":0.4341383741961585}],"sentiment":"neutral","sentiment_score":0.1333627679074804,"channel":0,"num_words":24,"start":2188.0999,"end":2197.14},{"sentences":[{"text":"So you're, you know, you we wanna rebalance it back a little bit.","start":2197.14,"end":2200.585,"sentiment":"neutral","sentiment_score":0.01959088330085461},{"text":"So selling a little bit off to bring you back to 5% there.","start":2200.585,"end":2203.885,"sentiment":"neutral","sentiment_score":-0.09258604823396756},{"text":"Buying into the iShares Europe to give you exposure to more of those European countries, they're buying in if you've got 5.73 at the moment, wanna hold 8%.","start":2204.4248,"end":2214.14,"sentiment":"neutral","sentiment_score":0.1374147515743971},{"text":"You've also got the S and P 500, which is giving you access and exposures to the top 500 companies on the American market.","start":2214.6,"end":2222.06,"sentiment":"neutral","sentiment_score":0.1200971247938772}],"sentiment":"neutral","sentiment_score":0.07411547301289363,"channel":0,"num_words":78,"start":2197.14,"end":2222.06},{"sentences":[{"text":"Mhmm.","start":2222.75,"end":2223.25,"sentiment":"neutral","sentiment_score":0.021599721163511276}],"sentiment":"neutral","sentiment_score":0.021599721163511276,"channel":1,"num_words":1,"start":2222.75,"end":2223.25},{"sentences":[{"text":"At the moment, you've got 24.66% there.","start":2222.76,"end":2226.165,"sentiment":"neutral","sentiment_score":0.026855754532984326},{"text":"We wanna buy a little bit more of that to hold about 30 of that side of things.","start":2226.165,"end":2230.585,"sentiment":"neutral","sentiment_score":0.033207035520010524},{"text":"You would see defensive investments, the Vanguard diversified index investment.","start":2232.0051,"end":2236.245,"sentiment":"neutral","sentiment_score":0.03542110361158848},{"text":"We're selling that off completely, so that'll go","start":2236.245,"end":2239.045,"sentiment":"neutral","sentiment_score":-0.02729258907493204}],"sentiment":"neutral","sentiment_score":0.021432261502500192,"channel":0,"num_words":43,"start":2222.76,"end":2239.045},{"sentences":[{"text":"Why?","start":2238.91,"end":2239.41,"sentiment":"neutral","sentiment_score":-0.02677927166223526}],"sentiment":"neutral","sentiment_score":-0.02677927166223526,"channel":1,"num_words":1,"start":2238.91,"end":2239.41},{"sentences":[{"text":"down to zero.","start":2239.045,"end":2240.0251,"sentiment":"neutral","sentiment_score":-0.03513386473059654}],"sentiment":"neutral","sentiment_score":-0.03513386473059654,"channel":0,"num_words":3,"start":2239.045,"end":2240.0251},{"sentences":[{"text":"What's happened","start":2240.27,"end":2240.91,"sentiment":"neutral","sentiment_score":-0.001626675482839346}],"sentiment":"neutral","sentiment_score":-0.001626675482839346,"channel":1,"num_words":2,"start":2240.27,"end":2240.91},{"sentences":[{"text":"Well,","start":2240.87,"end":2241.03,"sentiment":"neutral","sentiment_score":-0.005986347794532776}],"sentiment":"neutral","sentiment_score":-0.005986347794532776,"channel":0,"num_words":1,"start":2240.87,"end":2241.03},{"sentences":[{"text":"to","start":2240.91,"end":2241.07,"sentiment":"neutral","sentiment_score":-0.007014758884906769}],"sentiment":"neutral","sentiment_score":-0.007014758884906769,"channel":1,"num_words":1,"start":2240.91,"end":2241.07},{"sentences":[{"text":"it's","start":2241.03,"end":2241.27,"sentiment":"neutral","sentiment_score":0.003146959003061056}],"sentiment":"neutral","sentiment_score":0.003146959003061056,"channel":0,"num_words":1,"start":2241.03,"end":2241.27},{"sentences":[{"text":"Vanguard?","start":2241.07,"end":2241.57,"sentiment":"neutral","sentiment_score":0.002038204576820135}],"sentiment":"neutral","sentiment_score":0.002038204576820135,"channel":1,"num_words":1,"start":2241.07,"end":2241.57},{"sentences":[{"text":"there's nothing wrong with it.","start":2242.31,"end":2243.59,"sentiment":"neutral","sentiment_score":0.01900654137134552},{"text":"It's more of a defensive investment.","start":2243.59,"end":2245.61,"sentiment":"neutral","sentiment_score":0.047431169698635735},{"text":"We've just found a cheaper, better way to hold defensive investments.","start":2245.75,"end":2250.01,"sentiment":"neutral","sentiment_score":0.05252392590045929},{"text":"But the Vanguard diversified index and the Vanguard Australian fixed in fixed interest index, so we're gonna sell those off completely.","start":2250.3901,"end":2258.6448,"sentiment":"neutral","sentiment_score":0.0015213519689582643},{"text":"There's nothing wrong with the investment.","start":2258.9448,"end":2260.545,"sentiment":"neutral","sentiment_score":0.23879746347665787}],"sentiment":"neutral","sentiment_score":0.049430940452278874,"channel":0,"num_words":49,"start":2242.31,"end":2260.545},{"sentences":[{"text":"They can perform quite well.","start":2260.545,"end":2261.9048,"sentiment":"positive","sentiment_score":0.5309508204460144},{"text":"It's just we found a cheaper way to make the investment work for you.","start":2261.9048,"end":2265.7449,"sentiment":"neutral","sentiment_score":0.3196056602256639},{"text":"The","start":2265.7449,"end":2265.9849,"sentiment":"neutral","sentiment_score":0.014331161975860596}],"sentiment":"positive","sentiment_score":0.3571782253682613,"channel":0,"num_words":20,"start":2260.545,"end":2265.9849},{"sentences":[{"text":"What","start":2265.9648,"end":2266.2048,"sentiment":"neutral","sentiment_score":0.013167431578040125}],"sentiment":"neutral","sentiment_score":0.013167431578040125,"channel":1,"num_words":1,"start":2265.9648,"end":2266.2048},{"sentences":[{"text":"more","start":2265.9849,"end":2266.2249,"sentiment":"neutral","sentiment_score":0.004157222807407379}],"sentiment":"neutral","sentiment_score":0.004157222807407379,"channel":0,"num_words":1,"start":2265.9849,"end":2266.2249},{"sentences":[{"text":"about","start":2266.2048,"end":2266.4448,"sentiment":"neutral","sentiment_score":0.002363812178373337}],"sentiment":"neutral","sentiment_score":0.002363812178373337,"channel":1,"num_words":1,"start":2266.2048,"end":2266.4448},{"sentences":[{"text":"investments","start":2266.2249,"end":2266.7249,"sentiment":"neutral","sentiment_score":0.011012062430381777}],"sentiment":"neutral","sentiment_score":0.011012062430381777,"channel":0,"num_words":1,"start":2266.2249,"end":2266.7249},{"sentences":[{"text":"the","start":2266.4448,"end":2266.65,"sentiment":"neutral","sentiment_score":0.006105676293373108}],"sentiment":"neutral","sentiment_score":0.006105676293373108,"channel":1,"num_words":1,"start":2266.4448,"end":2266.65},{"sentences":[{"text":"you hold","start":2266.865,"end":2267.605,"sentiment":"neutral","sentiment_score":-0.0015992866829037666}],"sentiment":"neutral","sentiment_score":-0.0015992866829037666,"channel":0,"num_words":2,"start":2266.865,"end":2267.605},{"sentences":[{"text":"iShares Asia?","start":2268.89,"end":2269.6099,"sentiment":"neutral","sentiment_score":0.008069490315392613},{"text":"Sorry.","start":2269.6099,"end":2270.1099,"sentiment":"neutral","sentiment_score":-0.028431903570890427}],"sentiment":"neutral","sentiment_score":-0.004097640980035067,"channel":1,"num_words":3,"start":2268.89,"end":2270.1099},{"sentences":[{"text":"where's that one?","start":2270.09,"end":2270.8901,"sentiment":"neutral","sentiment_score":-0.023852886632084846},{"text":"No.","start":2270.8901,"end":2271.21,"sentiment":"neutral","sentiment_score":-0.048597946763038635},{"text":"That's the top one there.","start":2271.21,"end":2272.57,"sentiment":"neutral","sentiment_score":-0.023477243073284627}],"sentiment":"neutral","sentiment_score":-0.026393646891746256,"channel":0,"num_words":9,"start":2270.09,"end":2272.57},{"sentences":[{"text":"Second","start":2272.49,"end":2272.8098,"sentiment":"neutral","sentiment_score":-0.005207013338804245}],"sentiment":"neutral","sentiment_score":-0.005207013338804245,"channel":1,"num_words":1,"start":2272.49,"end":2272.8098},{"sentences":[{"text":"Yeah.","start":2272.57,"end":2272.97,"sentiment":"neutral","sentiment_score":-0.002422113437205553}],"sentiment":"neutral","sentiment_score":-0.002422113437205553,"channel":0,"num_words":1,"start":2272.57,"end":2272.97},{"sentences":[{"text":"one.","start":2272.8098,"end":2273.21,"sentiment":"neutral","sentiment_score":-0.006829232908785343}],"sentiment":"neutral","sentiment_score":-0.006829232908785343,"channel":1,"num_words":1,"start":2272.8098,"end":2273.21},{"sentences":[{"text":"So","start":2272.97,"end":2273.21,"sentiment":"neutral","sentiment_score":-0.011883213184773922}],"sentiment":"neutral","sentiment_score":-0.011883213184773922,"channel":0,"num_words":1,"start":2272.97,"end":2273.21},{"sentences":[{"text":"Yeah.","start":2273.21,"end":2273.71,"sentiment":"neutral","sentiment_score":-0.014268362894654274}],"sentiment":"neutral","sentiment_score":-0.014268362894654274,"channel":1,"num_words":1,"start":2273.21,"end":2273.71},{"sentences":[{"text":"there's there's nothing wrong with that.","start":2273.21,"end":2275.31,"sentiment":"neutral","sentiment_score":-0.03297788308312496},{"text":"We're just removing that essentially out of the portfolio because if you look at the very bottom of Vanguard or WorldX US investment, that's encompassing the entire globe minus The US market.","start":2275.37,"end":2287.535,"sentiment":"neutral","sentiment_score":-0.04159254493424669},{"text":"So we can remove the iShares Asia exposure out of that because you have that in this Vanguard or World Index.","start":2287.535,"end":2294.515,"sentiment":"neutral","sentiment_score":-0.000010141836745398386},{"text":"It's essentially taking away a lot of the different investments that might cost","start":2294.735,"end":2299.24,"sentiment":"neutral","sentiment_score":0.04557105526328087}],"sentiment":"neutral","sentiment_score":-0.013008583285328414,"channel":0,"num_words":72,"start":2273.21,"end":2299.24},{"sentences":[{"text":"I","start":2299.11,"end":2299.61,"sentiment":"neutral","sentiment_score":0.06060875207185745}],"sentiment":"neutral","sentiment_score":0.06060875207185745,"channel":1,"num_words":1,"start":2299.11,"end":2299.61},{"sentences":[{"text":"you more to hold in your portfolio and incorporating them into one investment so that you're still getting diversification and helping to lower the risk level, but it's","start":2299.24,"end":2308.52,"sentiment":"neutral","sentiment_score":0.19128732888826303}],"sentiment":"neutral","sentiment_score":0.19128732888826303,"channel":0,"num_words":28,"start":2299.24,"end":2308.52},{"sentences":[{"text":"see.","start":2308.3901,"end":2308.725,"sentiment":"neutral","sentiment_score":0.02424093894660473}],"sentiment":"neutral","sentiment_score":0.02424093894660473,"channel":1,"num_words":1,"start":2308.3901,"end":2308.725},{"sentences":[{"text":"making it cheaper for your funds because the more investments you hold, the more you pay in investment fees.","start":2308.52,"end":2313.98,"sentiment":"neutral","sentiment_score":0.2921893055501737},{"text":"Those investment fees are paid out to the investment managers, as they make money off that.","start":2314.335,"end":2319.775,"sentiment":"neutral","sentiment_score":0.2163210641592741},{"text":"So instead of holding 20 different investments, we try to look at a way of holding maybe six, seven, or eight different investment options that give you diversification that are doing really well, but it also, hopefully, lower cost for you so that you're paying less fees out of your super and keeping more money invested for your for your retirement, for your growth, if that makes sense.","start":2319.775,"end":2340.81,"sentiment":"positive","sentiment_score":0.48779615628368717}],"sentiment":"positive","sentiment_score":0.4095424510610914,"channel":0,"num_words":103,"start":2308.52,"end":2340.81},{"sentences":[{"text":"Okay.","start":2341.285,"end":2341.785,"sentiment":"neutral","sentiment_score":0.13959738612174988}],"sentiment":"neutral","sentiment_score":0.13959738612174988,"channel":1,"num_words":1,"start":2341.285,"end":2341.785},{"sentences":[{"text":"Yeah.","start":2342.505,"end":2343.005,"sentiment":"neutral","sentiment_score":0.1361052691936493},{"text":"The other thing there, the physical gold and silver, look, we're keeping gold in the portfolio.","start":2344.665,"end":2348.845,"sentiment":"neutral","sentiment_score":0.16510002175346017},{"text":"It has done very well.","start":2348.9849,"end":2350.265,"sentiment":"positive","sentiment_score":0.49843794107437134},{"text":"We wanna hold that there.","start":2350.265,"end":2351.4648,"sentiment":"neutral","sentiment_score":0.2314354509115219},{"text":"You wanna hold about 10% within this sort of portfolio.","start":2351.4648,"end":2354.365,"sentiment":"neutral","sentiment_score":0.15683075785636902}],"sentiment":"neutral","sentiment_score":0.21609135556059914,"channel":0,"num_words":37,"start":2342.505,"end":2354.365},{"sentences":[{"text":"Physical gold essentially is an alternative investment, so it's technically growth.","start":2355.13,"end":2360.1099,"sentiment":"neutral","sentiment_score":0.17789260365746237},{"text":"It gets growth.","start":2360.73,"end":2361.77,"sentiment":"neutral","sentiment_score":0.23272048930327097},{"text":"It doesn't produce any kinda income, but it can act defensively.","start":2361.77,"end":2365.63,"sentiment":"neutral","sentiment_score":0.16116534105756067},{"text":"So if you think about physical gold and think back to times when the markets have gone, you know, down significantly, like the GFC or even 2020, people take money out of other investments and put it into gold.","start":2365.85,"end":2378.415,"sentiment":"neutral","sentiment_score":0.1061967704922725},{"text":"So it can be a bit of a safe haven at certain times as well.","start":2378.415,"end":2381.9548,"sentiment":"neutral","sentiment_score":0.23621827065944673}],"sentiment":"neutral","sentiment_score":0.15332591099829612,"channel":0,"num_words":79,"start":2355.13,"end":2381.9548},{"sentences":[{"text":"So gold can act defensively at certain times, but it is a growth asset.","start":2382.21,"end":2386.31,"sentiment":"neutral","sentiment_score":0.22247881868055888},{"text":"We are looking to keep that in there.","start":2386.8499,"end":2388.69,"sentiment":"neutral","sentiment_score":0.16978983581066132},{"text":"It is fine.","start":2388.69,"end":2389.41,"sentiment":"neutral","sentiment_score":0.30907856424649555},{"text":"It is a good investment to keep.","start":2389.41,"end":2391.09,"sentiment":"positive","sentiment_score":0.49200344511440824},{"text":"It is at a thirty year high, but it will, you know, essentially will continue to grow.","start":2391.09,"end":2395.41,"sentiment":"positive","sentiment_score":0.423434457358192}],"sentiment":"neutral","sentiment_score":0.3274013822784229,"channel":0,"num_words":49,"start":2382.21,"end":2395.41},{"sentences":[{"text":"We still love it.","start":2395.41,"end":2396.21,"sentiment":"positive","sentiment_score":0.5249029844999313},{"text":"I know I still love a bit of physical gold.","start":2396.21,"end":2398.365,"sentiment":"neutral","sentiment_score":0.23607310950756072},{"text":"I love wearing gold 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there.","start":2413.24,"end":2418.9402,"sentiment":"neutral","sentiment_score":-0.016540403876985823}],"sentiment":"neutral","sentiment_score":-0.03901108103277891,"channel":0,"num_words":46,"start":2405.885,"end":2418.9402},{"sentences":[{"text":"Okay.","start":2419.215,"end":2419.715,"sentiment":"neutral","sentiment_score":0.042082831263542175}],"sentiment":"neutral","sentiment_score":0.042082831263542175,"channel":1,"num_words":1,"start":2419.215,"end":2419.715},{"sentences":[{"text":"And then you've got adding in the Japanese exposure.","start":2420.28,"end":2423.1802,"sentiment":"neutral","sentiment_score":0.07420478016138077},{"text":"Just a little bit of 5% there just because the all world doesn't have as much exposure to Japan, and it has been a really good place to see growth over the past sort of twelve months.","start":2423.4001,"end":2432.7449,"sentiment":"neutral","sentiment_score":0.22920599056256785},{"text":"And then the all world ex US.","start":2433.765,"end":2436.005,"sentiment":"neutral","sentiment_score":0.05246639331536634},{"text":"So that's giving you exposure to the entire globe minus The US market, and that's because above, we're holding 30% of the S and P 500.","start":2436.005,"end":2444.98,"sentiment":"neutral","sentiment_score":0.07935302690244637},{"text":"And then as I kinda mentioned before, we're removing the the Vanguard diversified index and the Vanguard fixed interest index, but we still wanna hold defensive investments like cash, bonds, and fixed interest.","start":2445.9202,"end":2457.425,"sentiment":"neutral","sentiment_score":0.09978028149767355}],"sentiment":"neutral","sentiment_score":0.13278265548537352,"channel":0,"num_words":112,"start":2420.28,"end":2457.425},{"sentences":[{"text":"And so the bottom one, the core composite bonds, that's giving you exposure to both government and corporate bonds and also notes and other, you know, cash investments, essentially.","start":2457.725,"end":2467.8252,"sentiment":"neutral","sentiment_score":0.1624787894302401},{"text":"So keeping that is giving you a little bit of a defensive component.","start":2467.965,"end":2471.74,"sentiment":"neutral","sentiment_score":0.28730063369640935},{"text":"Bonds are good.","start":2472.76,"end":2474.1401,"sentiment":"positive","sentiment_score":0.5050167441368103},{"text":"They essentially pay regular income payments.","start":2474.36,"end":2477.02,"sentiment":"positive","sentiment_score":0.3693850090106328},{"text":"Think of a bond a bit like a term deposit.","start":2477.08,"end":2479.4,"sentiment":"neutral","sentiment_score":0.2622568100690842}],"sentiment":"neutral","sentiment_score":0.24263477899500582,"channel":0,"num_words":61,"start":2457.725,"end":2479.4},{"sentences":[{"text":"You're putting that money into the investment there, and then you're getting regular income payments out on a monthly or a regular basis.","start":2479.4,"end":2486.7751,"sentiment":"neutral","sentiment_score":0.2945905768353006},{"text":"At the end of the term, you get your capital back as well, and it can be reinvested.","start":2486.7751,"end":2491.7551,"sentiment":"neutral","sentiment_score":0.32348064581553143},{"text":"So bonds work the same way term deposits do, and they're really good for income producing.","start":2492.0552,"end":2496.79,"sentiment":"positive","sentiment_score":0.554058326408267},{"text":"And even at your stage, we still wanna have income.","start":2496.93,"end":2499.8901,"sentiment":"neutral","sentiment_score":0.2977228775620461},{"text":"We still want the income that's generated from these sorts of investments and a lot of those other investments which are exchange traded funds or ETFs.","start":2499.8901,"end":2508.23,"sentiment":"neutral","sentiment_score":0.2837364003062248}],"sentiment":"positive","sentiment_score":0.3421241214839361,"channel":0,"num_words":93,"start":2479.4,"end":2508.23},{"sentences":[{"text":"They will generate dividends that'll be paid in some quarterly, some yearly, some biannually.","start":2508.935,"end":2514.395,"sentiment":"neutral","sentiment_score":0.26754085400274824},{"text":"That money will be redistributed into your cash account and re then reinvested back in the portfolio for you to assist with compounding.","start":2515.335,"end":2523.15,"sentiment":"neutral","sentiment_score":0.25999124542526575}],"sentiment":"neutral","sentiment_score":0.2628478540762051,"channel":0,"num_words":37,"start":2508.935,"end":2523.15},{"sentences":[{"text":"K.","start":2524.395,"end":2524.83,"sentiment":"neutral","sentiment_score":0.028319353237748143}],"sentiment":"neutral","sentiment_score":0.028319353237748143,"channel":1,"num_words":1,"start":2524.395,"end":2524.83},{"sentences":[{"text":"Yeah.","start":2525.53,"end":2526.01,"sentiment":"neutral","sentiment_score":0.03958653658628464},{"text":"Does that make sense?","start":2526.01,"end":2527.23,"sentiment":"neutral","sentiment_score":0.03255307301878929},{"text":"It is a lot, and I'm very sorry.","start":2528.73,"end":2530.25,"sentiment":"neutral","sentiment_score":-0.06042390246875584},{"text":"It's a lot, but so so","start":2530.25,"end":2531.8699,"sentiment":"neutral","sentiment_score":-0.04557828977704048}],"sentiment":"neutral","sentiment_score":-0.030898006828991992,"channel":0,"num_words":19,"start":2525.53,"end":2531.8699},{"sentences":[{"text":"Yeah.","start":2531.71,"end":2532.11,"sentiment":"neutral","sentiment_score":-0.03864980489015579}],"sentiment":"neutral","sentiment_score":-0.03864980489015579,"channel":1,"num_words":1,"start":2531.71,"end":2532.11},{"sentences":[{"text":"I","start":2532.01,"end":2532.17,"sentiment":"neutral","sentiment_score":-0.0683203712105751}],"sentiment":"neutral","sentiment_score":-0.0683203712105751,"channel":0,"num_words":1,"start":2532.01,"end":2532.17},{"sentences":[{"text":"No.","start":2532.11,"end":2532.35,"sentiment":"neutral","sentiment_score":-0.1002560555934906}],"sentiment":"neutral","sentiment_score":-0.1002560555934906,"channel":1,"num_words":1,"start":2532.11,"end":2532.35},{"sentences":[{"text":"wanted","start":2532.17,"end":2532.57,"sentiment":"neutral","sentiment_score":-0.06387647986412048}],"sentiment":"neutral","sentiment_score":-0.06387647986412048,"channel":0,"num_words":1,"start":2532.17,"end":2532.57},{"sentences":[{"text":"It's","start":2532.35,"end":2532.59,"sentiment":"neutral","sentiment_score":-0.09581031650304794}],"sentiment":"neutral","sentiment_score":-0.09581031650304794,"channel":1,"num_words":1,"start":2532.35,"end":2532.59},{"sentences":[{"text":"to","start":2532.57,"end":2532.65,"sentiment":"neutral","sentiment_score":-0.07840655744075775}],"sentiment":"neutral","sentiment_score":-0.07840655744075775,"channel":0,"num_words":1,"start":2532.57,"end":2532.65},{"sentences":[{"text":"good.","start":2532.59,"end":2533.09,"sentiment":"neutral","sentiment_score":-0.05156410485506058}],"sentiment":"neutral","sentiment_score":-0.05156410485506058,"channel":1,"num_words":1,"start":2532.59,"end":2533.09},{"sentences":[{"text":"make sure that you yeah.","start":2532.65,"end":2534.59,"sentiment":"neutral","sentiment_score":-0.033442193269729616},{"text":"So it is very different, and I know the the returns haven't been you know, aren't showing as great in the projection table, and that's also kind of reflective of the market as a whole.","start":2535.405,"end":2544.925,"sentiment":"neutral","sentiment_score":-0.06251783935087067},{"text":"But even if it's, you know, a less than 1% difference in the market, If we can make your super work as hard as possible, absolutely great.","start":2544.925,"end":2553.53,"sentiment":"neutral","sentiment_score":0.10975656548032055},{"text":"If you decide to take these changes on, we make the changes within the super fund.","start":2553.67,"end":2557.67,"sentiment":"neutral","sentiment_score":0.22898262459784746},{"text":"And then in six months' time since February, we catch up again.","start":2557.67,"end":2561.21,"sentiment":"neutral","sentiment_score":0.11811997431019942}],"sentiment":"neutral","sentiment_score":0.05988688010134195,"channel":0,"num_words":95,"start":2532.65,"end":2561.21},{"sentences":[{"text":"And we just check to see how that's working in your super fund.","start":2561.5898,"end":2564.535,"sentiment":"positive","sentiment_score":0.3336765548357597},{"text":"I'm even happy if you like to send you a report or maybe catch up with you before February to sort of see how those changes are reflected if they're working in your super.","start":2564.615,"end":2573.895,"sentiment":"positive","sentiment_score":0.6674698293209076},{"text":"And if they're not, then we can look at what else we can do and what more changes we might need to make in those investments.","start":2573.895,"end":2578.0994,"sentiment":"neutral","sentiment_score":0.16399507869321567},{"text":"Does that make 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'23.","start":2594.555,"end":2596.4949,"sentiment":"neutral","sentiment_score":0.010772953275591135}],"sentiment":"neutral","sentiment_score":0.010772953275591135,"channel":0,"num_words":6,"start":2594.555,"end":2596.4949},{"sentences":[{"text":"Okay.","start":2603.415,"end":2603.91,"sentiment":"neutral","sentiment_score":0.0270359106361866},{"text":"So at 60 alright.","start":2604.47,"end":2606.15,"sentiment":"neutral","sentiment_score":0.03482362302020192},{"text":"And let's say","start":2606.15,"end":2606.71,"sentiment":"neutral","sentiment_score":0.03149136155843735}],"sentiment":"neutral","sentiment_score":0.03260056092403829,"channel":1,"num_words":8,"start":2603.415,"end":2606.71},{"sentences":[{"text":"Mhmm.","start":2606.555,"end":2606.82,"sentiment":"neutral","sentiment_score":0.03127899020910263}],"sentiment":"neutral","sentiment_score":0.03127899020910263,"channel":0,"num_words":1,"start":2606.555,"end":2606.82},{"sentences":[{"text":"this goes according to plan and then 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be?","start":2615.955,"end":2623.8152,"sentiment":"neutral","sentiment_score":0.003936737476448927}],"sentiment":"neutral","sentiment_score":0.0076559633268295105,"channel":1,"num_words":37,"start":2609.03,"end":2623.8152},{"sentences":[{"text":"That's completely up to you with that time frame.","start":2624.285,"end":2626.7651,"sentiment":"neutral","sentiment_score":0.15229708204666773},{"text":"So, essentially, when you get to retirement and the way I work out the retirement strategies with majority of my clients is when you get to the year you're ready to retire, we'll have that conversation.","start":2626.7651,"end":2637.0,"sentiment":"neutral","sentiment_score":0.13650192941228548},{"text":"We'll talk about what you're actually needing to live on.","start":2637.14,"end":2639.78,"sentiment":"neutral","sentiment_score":0.10217922851443291},{"text":"So up until the point that you actually retire, we sort of work on a base goal.","start":2639.78,"end":2644.5,"sentiment":"neutral","sentiment_score":0.024959536926711306},{"text":"You've sort of said 1,500 per week at the moment, but that could definitely change.","start":2644.5,"end":2649.205,"sentiment":"neutral","sentiment_score":-0.05051747728139162}],"sentiment":"neutral","sentiment_score":0.08015040748206706,"channel":0,"num_words":87,"start":2624.285,"end":2649.205},{"sentences":[{"text":"Inflation could change that.","start":2649.205,"end":2650.645,"sentiment":"neutral","sentiment_score":-0.23651864007115364},{"text":"The cost of living could change for you.","start":2650.645,"end":2652.565,"sentiment":"neutral","sentiment_score":-0.1918097473680973},{"text":"You might need more and or less money.","start":2652.565,"end":2654.825,"sentiment":"neutral","sentiment_score":-0.14009795524179935},{"text":"I tend to, for anyone who doesn't actually know how much they need to live on when we get to that point, do a budget planner with them so we can assess their living expenses in detail.","start":2655.285,"end":2664.94,"sentiment":"neutral","sentiment_score":0.033156316563789104},{"text":"At 60, if you fully retire, you can access all of your money within Sleepy.","start":2665.96,"end":2670.5999,"sentiment":"neutral","sentiment_score":0.1483684053023656}],"sentiment":"neutral","sentiment_score":-0.0020698109551125932,"channel":0,"num_words":72,"start":2649.205,"end":2670.5999},{"sentences":[{"text":"You can take it as a lump sum, or you can leave it invested and just be drawing out smaller regular lump sums realistically if you would like it to sort of last as long as possible and keep it growing.","start":2670.5999,"end":2685.5051,"sentiment":"neutral","sentiment_score":0.1791471662681277},{"text":"Having it invested in super does work out better because you keep that fund the funds invested as such, probably in a more conservative portfolio, and then withdrawing smaller amounts out of super on a regular basis.","start":2685.5051,"end":2697.7898,"sentiment":"neutral","sentiment_score":0.3132719939222207},{"text":"It can be weekly, fortnightly, monthly, however you need those funds to be drawn.","start":2697.7898,"end":2702.21,"sentiment":"neutral","sentiment_score":0.1768048724957875},{"text":"And then the rest of the money stays invested in the portfolio working as long as it possibly can.","start":2702.3499,"end":2707.575,"sentiment":"positive","sentiment_score":0.35493609544477966}],"sentiment":"neutral","sentiment_score":0.2536500145991643,"channel":0,"num_words":111,"start":2670.5999,"end":2707.575},{"sentences":[{"text":"It 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gains consequences and no income tax consequences on the income that is generated from the from the funds.","start":2742.015,"end":2753.77,"sentiment":"neutral","sentiment_score":0.32069540194102697},{"text":"So keeping it in that pension phase when you get to 60 and fully retire is very much a tax sheltered environment, unlike most things 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draw less out of super to complement the age pension so that your super and the age pension can hopefully last as long as possible.","start":2789.6648,"end":2805.37,"sentiment":"neutral","sentiment_score":0.3060538313298855}],"sentiment":"neutral","sentiment_score":0.32740754023026886,"channel":0,"num_words":89,"start":2778.0898,"end":2805.37},{"sentences":[{"text":"But one of the things we do just wanna make sure we do is start by making these changes.","start":2805.99,"end":2810.6301,"sentiment":"positive","sentiment_score":0.37950142590623154},{"text":"I am encouraging you to do that salary sacrifice where possible.","start":2810.6301,"end":2814.17,"sentiment":"positive","sentiment_score":0.5309194678610022},{"text":"If you look at that $50 on a monthly basis, it is just $12.50 per week.","start":2814.79,"end":2819.27,"sentiment":"neutral","sentiment_score":0.26836301013827324},{"text":"So starting off smaller.","start":2819.27,"end":2820.765,"sentiment":"neutral","sentiment_score":0.20417232438921928},{"text":"But if you can think about the compounding effect, putting $12.50 on a weekly basis into your super now, rather than waiting for five or ten years and starting it down the track, it has a greater chance of growing and compounding.","start":2821.465,"end":2834.38,"sentiment":"neutral","sentiment_score":0.22285291443510755}],"sentiment":"neutral","sentiment_score":0.2999792108823965,"channel":0,"num_words":92,"start":2805.99,"end":2834.38},{"sentences":[{"text":"Whereas if we leave it and do it in ten years' 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line box.","start":2852.6848,"end":2863.0,"sentiment":"neutral","sentiment_score":-0.31629483997821806},{"text":"In that box, you just outline what you do not wish to take on board as part of the advice.","start":2863.14,"end":2868.68,"sentiment":"neutral","sentiment_score":-0.288738302141428}],"sentiment":"neutral","sentiment_score":-0.28878902153749214,"channel":0,"num_words":76,"start":2845.325,"end":2868.68},{"sentences":[{"text":"And 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okay.","start":3083.75,"end":3084.57,"sentiment":"neutral","sentiment_score":-0.008863367140293121},{"text":"Not","start":3087.11,"end":3087.35,"sentiment":"neutral","sentiment_score":-0.2685343623161316}],"sentiment":"neutral","sentiment_score":-0.09542036553223927,"channel":0,"num_words":3,"start":3083.75,"end":3087.35},{"sentences":[{"text":"Okay.","start":3087.2651,"end":3087.7651,"sentiment":"neutral","sentiment_score":-0.12107734382152556}],"sentiment":"neutral","sentiment_score":-0.12107734382152556,"channel":1,"num_words":1,"start":3087.2651,"end":3087.7651},{"sentences":[{"text":"everybody does.","start":3087.35,"end":3088.57,"sentiment":"neutral","sentiment_score":-0.097395159304142}],"sentiment":"neutral","sentiment_score":-0.097395159304142,"channel":0,"num_words":2,"start":3087.35,"end":3088.57},{"sentences":[{"text":"Okay.","start":3088.865,"end":3089.365,"sentiment":"neutral","sentiment_score":-0.01968538388609886},{"text":"Okay.","start":3089.73,"end":3090.23,"sentiment":"neutral","sentiment_score":0.034793123602867126},{"text":"Alright.","start":3090.93,"end":3091.43,"sentiment":"neutral","sentiment_score":0.06358465552330017}],"sentiment":"neutral","sentiment_score":0.026230798413356144,"channel":1,"num_words":3,"start":3088.865,"end":3091.43},{"sentences":[{"text":"Yeah.","start":3090.95,"end":3091.45,"sentiment":"neutral","sentiment_score":0.05106997489929199}],"sentiment":"neutral","sentiment_score":0.05106997489929199,"channel":0,"num_words":1,"start":3090.95,"end":3091.45},{"sentences":[{"text":"Okay.","start":3094.29,"end":3094.79,"sentiment":"neutral","sentiment_score":0.030645275488495827},{"text":"I see.","start":3094.93,"end":3095.67,"sentiment":"neutral","sentiment_score":0.0060698091983795175},{"text":"I see.","start":3095.73,"end":3096.13,"sentiment":"neutral","sentiment_score":-0.004655872005969285},{"text":"I see.","start":3096.13,"end":3096.88,"sentiment":"neutral","sentiment_score":-0.004388557747006416}],"sentiment":"neutral","sentiment_score":0.003528004911329065,"channel":1,"num_words":7,"start":3094.29,"end":3096.88},{"sentences":[{"text":"Yeah.","start":3097.2852,"end":3097.7852,"sentiment":"neutral","sentiment_score":-0.00782310776412487},{"text":"So, look, essentially, we've outlined majority of the recommendations there.","start":3098.405,"end":3102.245,"sentiment":"neutral","sentiment_score":0.12078567296266556},{"text":"You have the sections.","start":3102.245,"end":3103.5452,"sentiment":"neutral","sentiment_score":0.14112351089715958},{"text":"There is a lot more detail in the than what I've gone through.","start":3103.605,"end":3106.665,"sentiment":"neutral","sentiment_score":0.11962605468355693},{"text":"I do kinda hit on the points that we need to to make sure you've got the information there.","start":3106.965,"end":3111.6602,"sentiment":"neutral","sentiment_score":0.14523454912398992}],"sentiment":"neutral","sentiment_score":0.129343038504111,"channel":0,"num_words":47,"start":3097.2852,"end":3111.6602},{"sentences":[{"text":"But, essentially, as you take some time, you're welcome to go back and have a read through the document, read through the individual sections to sort of, you know, go through the recommendations, the advantages, the disadvantages, the risks involved, the things like that.","start":3112.84,"end":3126.615,"sentiment":"neutral","sentiment_score":0.24286801672794603},{"text":"If you find you have additional questions, you're welcome to come back and ask me.","start":3126.675,"end":3131.095,"sentiment":"positive","sentiment_score":0.37211567958196007},{"text":"But reading it through can sometimes be a little bit clarifying for you as well.","start":3131.5552,"end":3135.18,"sentiment":"neutral","sentiment_score":0.24484722216924032},{"text":"I know sometimes I'm taking you through the sections with all the numbers and the bits and pieces, and it can be a lot to go through.","start":3135.18,"end":3141.36,"sentiment":"neutral","sentiment_score":0.07739635308583577},{"text":"And I'm talking at you at the same time.","start":3141.9,"end":3144.0,"sentiment":"neutral","sentiment_score":0.10398723267846638}],"sentiment":"neutral","sentiment_score":0.20878384445201267,"channel":0,"num_words":110,"start":3112.84,"end":3144.0},{"sentences":[{"text":"So taking some time to go back and have a read through the document yourself, maybe make yourself cup of tea or a coffee and go through it all page by page, and then let me know if you do happen to have any questions in regard to it.","start":3144.22,"end":3156.875,"sentiment":"neutral","sentiment_score":0.2251316775776902},{"text":"Okay?","start":3156.875,"end":3157.375,"sentiment":"neutral","sentiment_score":0.10218314826488496}],"sentiment":"neutral","sentiment_score":0.2226727069914341,"channel":0,"num_words":50,"start":3144.22,"end":3157.375},{"sentences":[{"text":"Actually, I just have a quick one.","start":3156.885,"end":3158.325,"sentiment":"neutral","sentiment_score":0.06294018775224686},{"text":"What's your,","start":3158.325,"end":3158.985,"sentiment":"neutral","sentiment_score":0.03614014573395252}],"sentiment":"neutral","sentiment_score":0.05698462285929256,"channel":1,"num_words":9,"start":3156.885,"end":3158.985},{"sentences":[{"text":"Absolutely.","start":3159.035,"end":3159.535,"sentiment":"neutral","sentiment_score":0.060189440846443176}],"sentiment":"neutral","sentiment_score":0.060189440846443176,"channel":0,"num_words":1,"start":3159.035,"end":3159.535},{"sentences":[{"text":"remuneration?","start":3159.845,"end":3160.345,"sentiment":"neutral","sentiment_score":0.03838879615068436},{"text":"Can you explain that bit?","start":3160.805,"end":3162.265,"sentiment":"neutral","sentiment_score":0.02958870679140091}],"sentiment":"neutral","sentiment_score":0.031055388351281483,"channel":1,"num_words":6,"start":3159.845,"end":3162.265},{"sentences":[{"text":"Absolutely.","start":3162.715,"end":3163.215,"sentiment":"neutral","sentiment_score":0.22211411595344543},{"text":"That was probably the next part to go through.","start":3163.515,"end":3165.63,"sentiment":"neutral","sentiment_score":0.14673171440760294},{"text":"Essentially, so with the remuneration side of things, that outlines the fees that we are paid for any recommendations that we essentially make there.","start":3165.63,"end":3174.8298,"sentiment":"neutral","sentiment_score":0.16269874355445305},{"text":"So there's no upfront implementation fees for the advice.","start":3174.8298,"end":3178.3699,"sentiment":"neutral","sentiment_score":0.12357094552781847},{"text":"All part of you paying the ongoing service fee.","start":3178.5352,"end":3181.195,"sentiment":"neutral","sentiment_score":0.19642999354335997}],"sentiment":"neutral","sentiment_score":0.16014380466479522,"channel":0,"num_words":52,"start":3162.715,"end":3181.195},{"sentences":[{"text":"That way we we provide the advice to you as part of that.","start":3182.215,"end":3185.835,"sentiment":"neutral","sentiment_score":0.21754012199548575},{"text":"However, the ongoing remuneration so the ongoing service fee is how much you pay for our ongoing services.","start":3186.0552,"end":3191.975,"sentiment":"neutral","sentiment_score":0.07657131573392285},{"text":"So the 1.65 per annum, which is that's the yearly fee.","start":3191.975,"end":3197.0698,"sentiment":"neutral","sentiment_score":0.07675821740518916},{"text":"The fee comes out of your super fund on a monthly basis in smaller increments there.","start":3197.0698,"end":3201.89,"sentiment":"neutral","sentiment_score":0.08037751913070679},{"text":"The insurance fee.","start":3202.19,"end":3203.95,"sentiment":"neutral","sentiment_score":0.04080885400374731}],"sentiment":"neutral","sentiment_score":0.1058870906346157,"channel":0,"num_words":61,"start":3182.215,"end":3203.95},{"sentences":[{"text":"So because Neos is your insurance provider, they pay us ongoing remuneration every year for the policy.","start":3203.95,"end":3211.905,"sentiment":"neutral","sentiment_score":0.11824707336285535},{"text":"So whenever it goes through renewal, we receive 22% ongoing for the policy.","start":3212.0452,"end":3217.985,"sentiment":"neutral","sentiment_score":0.19121169872008836},{"text":"That has","start":3218.2852,"end":3218.845,"sentiment":"neutral","sentiment_score":0.2506130114197731}],"sentiment":"neutral","sentiment_score":0.15616182354278862,"channel":0,"num_words":32,"start":3203.95,"end":3218.845},{"sentences":[{"text":"Is 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right.","start":3220.605,"end":3221.085,"sentiment":"positive","sentiment_score":0.3879685401916504},{"text":"There you go.","start":3221.085,"end":3221.905,"sentiment":"neutral","sentiment_score":0.17507111777861914}],"sentiment":"neutral","sentiment_score":0.2827163403853774,"channel":0,"num_words":8,"start":3219.325,"end":3221.905},{"sentences":[{"text":"is that is that different to what's currently set up at the moment?","start":3222.32,"end":3227.215,"sentiment":"neutral","sentiment_score":-0.1137862280011177},{"text":"It's always been 22%, or is it only with the new fund at","start":3227.215,"end":3231.5352,"sentiment":"neutral","sentiment_score":-0.06113480575955831}],"sentiment":"neutral","sentiment_score":-0.08746051688033801,"channel":1,"num_words":26,"start":3222.32,"end":3231.5352},{"sentences":[{"text":"No.","start":3231.38,"end":3231.7,"sentiment":"neutral","sentiment_score":-0.0590546652674675}],"sentiment":"neutral","sentiment_score":-0.0590546652674675,"channel":0,"num_words":1,"start":3231.38,"end":3231.7},{"sentences":[{"text":"20","start":3231.5352,"end":3231.935,"sentiment":"neutral","sentiment_score":-0.04177239537239075}],"sentiment":"neutral","sentiment_score":-0.04177239537239075,"channel":1,"num_words":1,"start":3231.5352,"end":3231.935},{"sentences":[{"text":"No,","start":3231.7,"end":3232.0999,"sentiment":"neutral","sentiment_score":-0.07288292795419693}],"sentiment":"neutral","sentiment_score":-0.07288292795419693,"channel":0,"num_words":1,"start":3231.7,"end":3232.0999},{"sentences":[{"text":"2%?","start":3231.935,"end":3232.5952,"sentiment":"neutral","sentiment_score":-0.0543566457927227}],"sentiment":"neutral","sentiment_score":-0.0543566457927227,"channel":1,"num_words":1,"start":3231.935,"end":3232.5952},{"sentences":[{"text":"sir.","start":3232.0999,"end":3232.5999,"sentiment":"neutral","sentiment_score":-0.02729663997888565},{"text":"Yeah.","start":3232.98,"end":3233.2998,"sentiment":"neutral","sentiment_score":-0.027975179255008698},{"text":"No.","start":3233.2998,"end":3233.5398,"sentiment":"neutral","sentiment_score":-0.1239689290523529},{"text":"There's always been that way.","start":3233.5398,"end":3234.74,"sentiment":"neutral","sentiment_score":-0.10719271302223206},{"text":"So with","start":3234.74,"end":3235.22,"sentiment":"neutral","sentiment_score":-0.0010683760046958923}],"sentiment":"neutral","sentiment_score":-0.07173410654067994,"channel":0,"num_words":10,"start":3232.0999,"end":3235.22},{"sentences":[{"text":"Okay.","start":3235.135,"end":3235.5,"sentiment":"neutral","sentiment_score":0.025931617245078087}],"sentiment":"neutral","sentiment_score":0.025931617245078087,"channel":1,"num_words":1,"start":3235.135,"end":3235.5},{"sentences":[{"text":"insurance providers, advisers do receive ongoing and upfront remuneration for the insurance products that they write with Neos.","start":3235.22,"end":3243.9448,"sentiment":"neutral","sentiment_score":0.062161120482616954},{"text":"And every insurer, it's all legislated to be exactly the 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policy.","start":3262.46,"end":3268.08,"sentiment":"positive","sentiment_score":0.4692453883196178},{"text":"So it does mean that retaining is the best option for you.","start":3268.1401,"end":3271.4248,"sentiment":"positive","sentiment_score":0.3568064272403717},{"text":"It's in your best interest to do so currently.","start":3271.4248,"end":3273.845,"sentiment":"positive","sentiment_score":0.3446218404504988},{"text":"If later down the track, the insurances are too expensive, don't meet your needs and need to be altered, we will do that with you, but we will make sure it meets your goal.","start":3274.545,"end":3283.6199,"sentiment":"neutral","sentiment_score":-0.2110206916490022},{"text":"We'll talk about what you wanna cover, the level of cover you're happy with, what the cost of that looks like, and how it affects you.","start":3283.6199,"end":3289.96,"sentiment":"neutral","sentiment_score":0.040109978845486276}],"sentiment":"neutral","sentiment_score":0.10167092002928257,"channel":0,"num_words":100,"start":3262.46,"end":3289.96},{"sentences":[{"text":"And the the ongoing remuneration is how much the insurer pays us.","start":3290.74,"end":3295.155,"sentiment":"neutral","sentiment_score":0.016734010074287653},{"text":"It doesn't it's not paid by you in any way.","start":3295.155,"end":3297.3152,"sentiment":"neutral","sentiment_score":-0.05517801269888878},{"text":"It's paid by the insurer to us, and we have a duty to make sure we disclose this information to you.","start":3297.3152,"end":3303.235,"sentiment":"neutral","sentiment_score":0.020268627398070834},{"text":"So that's why we have the remuneration page, and it outlines all the remuneration that we receive.","start":3303.235,"end":3308.55,"sentiment":"neutral","sentiment_score":0.14591204243547776},{"text":"All of this is received by Okview Financial, not by me personally.","start":3309.17,"end":3312.63,"sentiment":"neutral","sentiment_score":0.12248881037036578}],"sentiment":"neutral","sentiment_score":0.05590332798763282,"channel":0,"num_words":72,"start":3290.74,"end":3312.63},{"sentences":[{"text":"I get paid a wage, so it doesn't you know, I provide advice to make sure I'm helping you to get your super working harder and meeting your goals and working towards your retirement goals, but I do not get paid a commission for any of it.","start":3312.69,"end":3326.265,"sentiment":"neutral","sentiment_score":0.20347418112957733},{"text":"I get paid a wage.","start":3326.4048,"end":3327.625,"sentiment":"neutral","sentiment_score":0.09804772734642028},{"text":"I work an hourly rate, and I get paid a wage for what I do.","start":3327.845,"end":3331.2048,"sentiment":"neutral","sentiment_score":0.1592612067858378},{"text":"So this is all paid to Oakview Financial, and it's all disclosed there nice and clear there for you.","start":3331.2048,"end":3337.93,"sentiment":"positive","sentiment_score":0.3674613825584713},{"text":"Okay?","start":3338.87,"end":3339.37,"sentiment":"neutral","sentiment_score":0.17252174019813538}],"sentiment":"neutral","sentiment_score":0.225249784602516,"channel":0,"num_words":87,"start":3312.69,"end":3339.37},{"sentences":[{"text":"Alright.","start":3339.13,"end":3339.63,"sentiment":"neutral","sentiment_score":0.18948090076446533}],"sentiment":"neutral","sentiment_score":0.18948090076446533,"channel":1,"num_words":1,"start":3339.13,"end":3339.63},{"sentences":[{"text":"Yeah.","start":3339.75,"end":3340.25,"sentiment":"neutral","sentiment_score":0.2455279529094696},{"text":"Easy.","start":3340.47,"end":3340.97,"sentiment":"neutral","sentiment_score":0.18511685729026792},{"text":"Beautiful.","start":3341.03,"end":3341.53,"sentiment":"positive","sentiment_score":0.7668706178665161},{"text":"Do you have any other questions at the moment?","start":3341.99,"end":3343.75,"sentiment":"neutral","sentiment_score":0.20613351174526745},{"text":"Have I answered everything you know, okay?","start":3343.75,"end":3346.6448,"sentiment":"neutral","sentiment_score":0.10400492538298879}],"sentiment":"neutral","sentiment_score":0.19898692165550433,"channel":0,"num_words":19,"start":3339.75,"end":3346.6448},{"sentences":[{"text":"Has it kinda made sense thus far?","start":3346.6448,"end":3348.585,"sentiment":"neutral","sentiment_score":0.11278025486639567}],"sentiment":"neutral","sentiment_score":0.11278025486639567,"channel":0,"num_words":7,"start":3346.6448,"end":3348.585},{"sentences":[{"text":"Yeah.","start":3348.81,"end":3349.29,"sentiment":"neutral","sentiment_score":0.20222315192222595},{"text":"At the moment, it's fine.","start":3349.29,"end":3350.83,"sentiment":"neutral","sentiment_score":0.24273596704006195}],"sentiment":"neutral","sentiment_score":0.2359838311870893,"channel":1,"num_words":6,"start":3348.81,"end":3350.83},{"sentences":[{"text":"Yeah.","start":3350.6448,"end":3351.1448,"sentiment":"neutral","sentiment_score":0.2956222891807556},{"text":"That's okay.","start":3351.605,"end":3352.4248,"sentiment":"neutral","sentiment_score":0.33147504925727844}],"sentiment":"neutral","sentiment_score":0.3195241292317708,"channel":0,"num_words":3,"start":3350.6448,"end":3352.4248},{"sentences":[{"text":"Yep.","start":3352.01,"end":3352.51,"sentiment":"neutral","sentiment_score":0.2830098867416382}],"sentiment":"neutral","sentiment_score":0.2830098867416382,"channel":1,"num_words":1,"start":3352.01,"end":3352.51},{"sentences":[{"text":"That's okay.","start":3353.285,"end":3354.005,"sentiment":"positive","sentiment_score":0.3501233458518982},{"text":"You will see in there as well with the estate planning side of things that I have made the recommendations around setting up a will and a power of attorney.","start":3354.005,"end":3361.59,"sentiment":"neutral","sentiment_score":0.17960686460137368},{"text":"We don't do that.","start":3361.59,"end":3362.4702,"sentiment":"neutral","sentiment_score":-0.05716059822589159},{"text":"We can refer you to a solicitor, or if you have a local attorney or a solicitor you're comfortable talking to to seek those services.","start":3362.4702,"end":3369.85,"sentiment":"neutral","sentiment_score":0.10372260376811028},{"text":"The other options are as as I kinda mentioned last time, I sent that email after the call with the estate planning side of things.","start":3370.6301,"end":3376.595,"sentiment":"neutral","sentiment_score":0.14596667528152465}],"sentiment":"neutral","sentiment_score":0.14072142108235247,"channel":0,"num_words":86,"start":3353.285,"end":3376.595},{"sentences":[{"text":"Just making sure those things are updated and reflective 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only","start":3405.185,"end":3405.825,"sentiment":"neutral","sentiment_score":0.055603829522927604}],"sentiment":"neutral","sentiment_score":0.09677083401576332,"channel":0,"num_words":23,"start":3399.1301,"end":3405.825},{"sentences":[{"text":"Yep.","start":3405.535,"end":3406.035,"sentiment":"neutral","sentiment_score":0.10387922823429108}],"sentiment":"neutral","sentiment_score":0.10387922823429108,"channel":1,"num_words":1,"start":3405.535,"end":3406.035},{"sentences":[{"text":"be a very small chance that something occurs, but making sure you have those protections in place is really important for you.","start":3405.825,"end":3413.025,"sentiment":"neutral","sentiment_score":0.19262912259860474},{"text":"Okay?","start":3413.025,"end":3413.525,"sentiment":"neutral","sentiment_score":0.1295556128025055}],"sentiment":"neutral","sentiment_score":0.18988679608573084,"channel":0,"num_words":23,"start":3405.825,"end":3413.525},{"sentences":[{"text":"Yep.","start":3413.375,"end":3413.875,"sentiment":"neutral","sentiment_score":0.11274942010641098},{"text":"Okay.","start":3414.255,"end":3414.755,"sentiment":"neutral","sentiment_score":0.11371083557605743}],"sentiment":"neutral","sentiment_score":0.11323012784123421,"channel":1,"num_words":2,"start":3413.375,"end":3414.755},{"sentences":[{"text":"The other thing I just wanted to also show you is we kinda talked earlier.","start":3414.705,"end":3419.78,"sentiment":"neutral","sentiment_score":0.0967872348924478},{"text":"I've scoped in the insurance aspect to know that we're retaining all your insurance covers currently, but there is an effect.","start":3419.78,"end":3426.82,"sentiment":"neutral","sentiment_score":0.058565620687745866},{"text":"And I kinda talked about before how we know that there's an effect on your retirement outcome because you pay insurances out of your super.","start":3426.82,"end":3434.935,"sentiment":"neutral","sentiment_score":0.08023745015263557},{"text":"If you can go to page 31 for me, there's a little table I just wanted to sort of run you through as 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essentially showing you if you had no insurance premiums being deducted out of your super with the recommended changes that we've got in the advice that you could end up over the next five to ten years with more super inside your account.","start":3468.95,"end":3484.965,"sentiment":"neutral","sentiment_score":0.2215204710031257},{"text":"So this is essentially showing you that we know and we understand that insurance premiums coming out of your super do have an effect on your retirement income, because it does reduce the amount that you have five super at the end of the day.","start":3484.965,"end":3497.79,"sentiment":"positive","sentiment_score":0.34575466877884337}],"sentiment":"neutral","sentiment_score":0.23567654780013775,"channel":0,"num_words":123,"start":3460.105,"end":3497.79},{"sentences":[{"text":"So this is showing you the overall impact that we've assessed, but I 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premium then?","start":3511.2449,"end":3512.9448,"sentiment":"neutral","sentiment_score":-0.15335394740104674}],"sentiment":"neutral","sentiment_score":-0.15335394740104674,"channel":1,"num_words":5,"start":3511.2449,"end":3512.9448},{"sentences":[{"text":"well, that's the thing.","start":3513.2651,"end":3514.485,"sentiment":"neutral","sentiment_score":-0.11850926093757153},{"text":"This is not telling you to cancel the insurances in any way, shape, or form.","start":3514.625,"end":3519.425,"sentiment":"neutral","sentiment_score":-0.2458630402882894},{"text":"It's just showing you the effect.","start":3519.425,"end":3521.205,"sentiment":"neutral","sentiment_score":0.13738882107039294},{"text":"So if you didn't have insurance payment and some people pay their insurance premiums out of their back pocket, which is absolutely fine.","start":3521.425,"end":3527.4302,"sentiment":"neutral","sentiment_score":0.0008642769054226253},{"text":"But this is just showing you the overall 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you.","start":3589.95,"end":3591.17,"sentiment":"neutral","sentiment_score":-0.01408886956050992},{"text":"No.","start":3591.79,"end":3592.27,"sentiment":"neutral","sentiment_score":-0.08759231865406036},{"text":"This it's not saying you have to cancel.","start":3592.27,"end":3594.165,"sentiment":"neutral","sentiment_score":-0.03987193526700139},{"text":"It's not saying you should.","start":3594.165,"end":3595.365,"sentiment":"neutral","sentiment_score":-0.027032288163900374},{"text":"It's just showing you the outcome if you were to not.","start":3595.365,"end":3598.725,"sentiment":"neutral","sentiment_score":0.06508923423561183}],"sentiment":"neutral","sentiment_score":0.004065408853107485,"channel":0,"num_words":29,"start":3589.95,"end":3598.725},{"sentences":[{"text":"It's like an alternative.","start":3598.725,"end":3599.865,"sentiment":"neutral","sentiment_score":0.11117784306406975},{"text":"If you didn't have insurance premiums, this is the projected outcome that you could 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super.","start":3609.79,"end":3619.81,"sentiment":"neutral","sentiment_score":-0.010036520659923553},{"text":"But, look, I pay my insurances out of super.","start":3620.405,"end":3622.7249,"sentiment":"neutral","sentiment_score":0.004443391122751766},{"text":"I know that over the next, you know, ten to fifteen years, I'm probably gonna be about $40,000 less because of that.","start":3622.7249,"end":3629.205,"sentiment":"neutral","sentiment_score":0.029801717536015945},{"text":"And I understand that, and I'm comfortable with that.","start":3629.205,"end":3631.525,"sentiment":"neutral","sentiment_score":0.25436412956979537},{"text":"So it's just about making sure that you're fully informed and that we show you the alternatives and the projected expected impact of your super with the insurance premiums that you do have, if that makes 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have?","start":3664.4102,"end":3669.1501,"sentiment":"neutral","sentiment_score":0.013663815748360422}],"sentiment":"neutral","sentiment_score":0.013663815748360422,"channel":0,"num_words":18,"start":3664.4102,"end":3669.1501},{"sentences":[{"text":"Alright.","start":3669.955,"end":3670.455,"sentiment":"neutral","sentiment_score":-0.01618044078350067},{"text":"Not at the moment.","start":3670.5151,"end":3671.575,"sentiment":"neutral","sentiment_score":-0.09303981065750122}],"sentiment":"neutral","sentiment_score":-0.07766793668270111,"channel":1,"num_words":5,"start":3669.955,"end":3671.575},{"sentences":[{"text":"No.","start":3671.61,"end":3671.9302,"sentiment":"neutral","sentiment_score":-0.15379762649536133},{"text":"That's okay.","start":3671.9302,"end":3672.81,"sentiment":"neutral","sentiment_score":-0.031081637367606163},{"text":"I would suggest if you just take some time to read it through, go through the different 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error.","start":3688.72,"end":3690.56,"sentiment":"neutral","sentiment_score":-0.3156533067425092},{"text":"Let me sorry.","start":3690.56,"end":3691.44,"sentiment":"neutral","sentiment_score":-0.23373451828956604},{"text":"I'll go back and have that one rectified for you, and","start":3691.44,"end":3694.56,"sentiment":"neutral","sentiment_score":-0.0754353983158415}],"sentiment":"neutral","sentiment_score":-0.1712456388399005,"channel":0,"num_words":20,"start":3688.72,"end":3694.56},{"sentences":[{"text":"And","start":3694.475,"end":3694.875,"sentiment":"neutral","sentiment_score":-0.003949344158172607}],"sentiment":"neutral","sentiment_score":-0.003949344158172607,"channel":1,"num_words":1,"start":3694.475,"end":3694.875},{"sentences":[{"text":"we'll","start":3694.56,"end":3694.8801,"sentiment":"neutral","sentiment_score":0.005992318503558636}],"sentiment":"neutral","sentiment_score":0.005992318503558636,"channel":0,"num_words":1,"start":3694.56,"end":3694.8801},{"sentences":[{"text":"and","start":3694.875,"end":3695.115,"sentiment":"neutral","sentiment_score":-0.004424374550580978}],"sentiment":"neutral","sentiment_score":-0.004424374550580978,"channel":1,"num_words":1,"start":3694.875,"end":3695.115},{"sentences":[{"text":"send","start":3694.8801,"end":3695.12,"sentiment":"neutral","sentiment_score":-0.04084170609712601}],"sentiment":"neutral","sentiment_score":-0.04084170609712601,"channel":0,"num_words":1,"start":3694.8801,"end":3695.12},{"sentences":[{"text":"the","start":3695.115,"end":3695.275,"sentiment":"neutral","sentiment_score":-0.04598112031817436}],"sentiment":"neutral","sentiment_score":-0.04598112031817436,"channel":1,"num_words":1,"start":3695.115,"end":3695.275},{"sentences":[{"text":"it","start":3695.12,"end":3695.36,"sentiment":"neutral","sentiment_score":-0.058970823884010315}],"sentiment":"neutral","sentiment_score":-0.058970823884010315,"channel":0,"num_words":1,"start":3695.12,"end":3695.36},{"sentences":[{"text":"previous","start":3695.275,"end":3695.775,"sentiment":"neutral","sentiment_score":0.00017273426055908203}],"sentiment":"neutral","sentiment_score":0.00017273426055908203,"channel":1,"num_words":1,"start":3695.275,"end":3695.775},{"sentences":[{"text":"back out.","start":3695.36,"end":3696.1,"sentiment":"neutral","sentiment_score":-0.0336076682433486}],"sentiment":"neutral","sentiment_score":-0.0336076682433486,"channel":0,"num_words":2,"start":3695.36,"end":3696.1},{"sentences":[{"text":"page as well.","start":3695.835,"end":3696.735,"sentiment":"neutral","sentiment_score":-0.005820299809177716}],"sentiment":"neutral","sentiment_score":-0.005820299809177716,"channel":1,"num_words":3,"start":3695.835,"end":3696.735},{"sentences":[{"text":"Yeah.","start":3697.28,"end":3697.6802,"sentiment":"neutral","sentiment_score":-0.026594066992402077},{"text":"Sorry about that.","start":3697.6802,"end":3698.56,"sentiment":"neutral","sentiment_score":-0.14897747337818146},{"text":"That's a small error.","start":3698.56,"end":3699.9202,"sentiment":"neutral","sentiment_score":-0.2835967689752579},{"text":"We'll go back in and just have that changed and send it back to you.","start":3699.9202,"end":3703.395,"sentiment":"neutral","sentiment_score":-0.07842004150152207}],"sentiment":"neutral","sentiment_score":-0.12105279067612212,"channel":0,"num_words":23,"start":3697.28,"end":3703.395},{"sentences":[{"text":"Okay.","start":3704.4502,"end":3704.9502,"sentiment":"neutral","sentiment_score":-0.05701468884944916}],"sentiment":"neutral","sentiment_score":-0.05701468884944916,"channel":1,"num_words":1,"start":3704.4502,"end":3704.9502},{"sentences":[{"text":"Sorry about that.","start":3706.095,"end":3707.2349,"sentiment":"neutral","sentiment_score":-0.14245365063349405},{"text":"It's all good.","start":3708.175,"end":3708.895,"sentiment":"positive","sentiment_score":0.7610140244166056},{"text":"It's just a it's we pull it sort of pull it out of the template.","start":3708.895,"end":3711.9348,"sentiment":"neutral","sentiment_score":0.24843525091807048},{"text":"It should just be updated with your name, essentially.","start":3711.9348,"end":3715.075,"sentiment":"neutral","sentiment_score":0.20799030197991264},{"text":"So we'll just go back and have that rectified and resend the document to you.","start":3715.2148,"end":3718.9502,"sentiment":"neutral","sentiment_score":0.20600776274998983}],"sentiment":"neutral","sentiment_score":0.23431642320421006,"channel":0,"num_words":45,"start":3706.095,"end":3718.9502},{"sentences":[{"text":"So it'll come through very shortly.","start":3718.9502,"end":3720.47,"sentiment":"neutral","sentiment_score":0.19161734730005264},{"text":"When it comes through, you'll be able to take some time there, Catherine, just to read it through.","start":3720.47,"end":3724.73,"sentiment":"neutral","sentiment_score":0.1655021206372314},{"text":"Take some time to take it in.","start":3725.03,"end":3726.81,"sentiment":"neutral","sentiment_score":0.13496275884764536},{"text":"It might be a little bit clearer to you once you've kind of taken some time to read it over as well, and let me know if you do happen to have any questions.","start":3726.87,"end":3733.135,"sentiment":"neutral","sentiment_score":0.16756726538433747},{"text":"Okay?","start":3733.3552,"end":3733.8552,"sentiment":"neutral","sentiment_score":0.09759898483753204}],"sentiment":"neutral","sentiment_score":0.16467223598650008,"channel":0,"num_words":66,"start":3718.9502,"end":3733.8552},{"sentences":[{"text":"Okay.","start":3733.68,"end":3734.18,"sentiment":"neutral","sentiment_score":0.07091644406318665},{"text":"Alright.","start":3734.3198,"end":3734.8198,"sentiment":"neutral","sentiment_score":0.11293862760066986},{"text":"No worries.","start":3735.2,"end":3735.8599,"sentiment":"neutral","sentiment_score":0.1725224182009697}],"sentiment":"neutral","sentiment_score":0.13222497701644897,"channel":1,"num_words":4,"start":3733.68,"end":3735.8599},{"sentences":[{"text":"Easy.","start":3735.995,"end":3736.495,"sentiment":"neutral","sentiment_score":0.3165152072906494},{"text":"That's okay.","start":3736.5552,"end":3737.3552,"sentiment":"neutral","sentiment_score":0.28463153541088104},{"text":"Is there any other questions that might have come to mind at the moment at all?","start":3737.3552,"end":3740.25,"sentiment":"neutral","sentiment_score":0.08153986604884267}],"sentiment":"neutral","sentiment_score":0.11528505973125759,"channel":0,"num_words":19,"start":3735.995,"end":3740.25},{"sentences":[{"text":"No worries.","start":3741.2,"end":3741.76,"sentiment":"neutral","sentiment_score":0.03970012068748474},{"text":"That's it.","start":3741.76,"end":3742.755,"sentiment":"neutral","sentiment_score":0.03480996936559677}],"sentiment":"neutral","sentiment_score":0.037255045026540756,"channel":1,"num_words":4,"start":3741.2,"end":3742.755},{"sentences":[{"text":"No.","start":3742.81,"end":3743.31,"sentiment":"neutral","sentiment_score":0.02567177824676037},{"text":"That's all good?","start":3746.81,"end":3747.87,"sentiment":"neutral","sentiment_score":0.09636205186446507}],"sentiment":"neutral","sentiment_score":0.0786894834600389,"channel":0,"num_words":4,"start":3742.81,"end":3747.87},{"sentences":[{"text":"Yep.","start":3748.095,"end":3748.4949,"sentiment":"neutral","sentiment_score":0.166734978556633},{"text":"All good.","start":3748.4949,"end":3749.2349,"sentiment":"positive","sentiment_score":0.37219732999801636}],"sentiment":"neutral","sentiment_score":0.30370987951755524,"channel":1,"num_words":3,"start":3748.095,"end":3749.2349},{"sentences":[{"text":"Beautiful.","start":3749.37,"end":3749.87,"sentiment":"positive","sentiment_score":0.6686115264892578},{"text":"Fantastic.","start":3750.01,"end":3750.51,"sentiment":"positive","sentiment_score":0.7043184041976929},{"text":"Well, thank you so much for your time today.","start":3750.73,"end":3752.75,"sentiment":"positive","sentiment_score":0.5931357476446364},{"text":"Hopefully, you've got a restful afternoon.","start":3752.9949,"end":3754.515,"sentiment":"positive","sentiment_score":0.3551269769668579},{"text":"You still got a bit of work to do today?","start":3754.515,"end":3756.115,"sentiment":"neutral","sentiment_score":0.10325669422745705}],"sentiment":"positive","sentiment_score":0.36572149865053316,"channel":0,"num_words":27,"start":3749.37,"end":3756.115},{"sentences":[{"text":"Or","start":3756.115,"end":3756.615,"sentiment":"neutral","sentiment_score":0.07854104787111282}],"sentiment":"neutral","sentiment_score":0.07854104787111282,"channel":0,"num_words":1,"start":3756.115,"end":3756.615},{"sentences":[{"text":"Yeah.","start":3756.815,"end":3757.135,"sentiment":"neutral","sentiment_score":0.06823931634426117},{"text":"I do.","start":3757.135,"end":3757.59,"sentiment":"neutral","sentiment_score":0.1019161008298397},{"text":"Yeah.","start":3757.9102,"end":3758.4102,"sentiment":"neutral","sentiment_score":0.14419782161712646}],"sentiment":"neutral","sentiment_score":0.10406733490526676,"channel":1,"num_words":4,"start":3756.815,"end":3758.4102},{"sentences":[{"text":"yeah.","start":3758.355,"end":3758.855,"sentiment":"neutral","sentiment_score":0.18049803376197815},{"text":"Well, hopefully, you enjoy the rest of your day, and I'll talk to you very soon.","start":3759.075,"end":3763.415,"sentiment":"positive","sentiment_score":0.39986905455589294}],"sentiment":"positive","sentiment_score":0.38696487686213327,"channel":0,"num_words":17,"start":3758.355,"end":3763.415},{"sentences":[{"text":"Okay.","start":3763.51,"end":3763.99,"sentiment":"neutral","sentiment_score":0.14316460490226746},{"text":"Thank you.","start":3763.99,"end":3764.55,"sentiment":"neutral","sentiment_score":0.23266230523586273},{"text":"I'll wait for that document before I sign it.","start":3764.55,"end":3766.97,"sentiment":"neutral","sentiment_score":0.12354703578684065}],"sentiment":"neutral","sentiment_score":0.1433677114546299,"channel":1,"num_words":12,"start":3763.51,"end":3766.97},{"sentences":[{"text":"Yeah.","start":3767.38,"end":3767.7,"sentiment":"neutral","sentiment_score":0.1215292513370514},{"text":"Not a problem at all.","start":3767.7,"end":3768.82,"sentiment":"neutral","sentiment_score":0.2759712874889374},{"text":"Thank you so much for that.","start":3768.82,"end":3769.8599,"sentiment":"positive","sentiment_score":0.6305067042509714},{"text":"You have a good afternoon, and thank you for taking my call.","start":3769.8599,"end":3772.5999,"sentiment":"positive","sentiment_score":0.584945152203242}],"sentiment":"positive","sentiment_score":0.5126569891969363,"channel":0,"num_words":24,"start":3767.38,"end":3772.5999},{"sentences":[{"text":"Okay.","start":3773.097,"end":3773.2568,"sentiment":"neutral","sentiment_score":0.11976304650306702},{"text":"No worries.","start":3773.2568,"end":3774.077,"sentiment":"neutral","sentiment_score":0.12085562944412231}],"sentiment":"neutral","sentiment_score":0.12049143513043721,"channel":1,"num_words":3,"start":3773.097,"end":3774.077},{"sentences":[{"text":"Thanks.","start":3774.42,"end":3774.82,"sentiment":"neutral","sentiment_score":0.1933041512966156}],"sentiment":"neutral","sentiment_score":0.1933041512966156,"channel":0,"num_words":1,"start":3774.42,"end":3774.82},{"sentences":[{"text":"See","start":3774.697,"end":3774.857,"sentiment":"neutral","sentiment_score":0.13792075216770172}],"sentiment":"neutral","sentiment_score":0.13792075216770172,"channel":1,"num_words":1,"start":3774.697,"end":3774.857},{"sentences":[{"text":"See","start":3774.82,"end":3775.06,"sentiment":"neutral","sentiment_score":0.1513456255197525}],"sentiment":"neutral","sentiment_score":0.1513456255197525,"channel":0,"num_words":1,"start":3774.82,"end":3775.06},{"sentences":[{"text":"you.","start":3774.857,"end":3775.357,"sentiment":"neutral","sentiment_score":0.2010061740875244}],"sentiment":"neutral","sentiment_score":0.2010061740875244,"channel":1,"num_words":1,"start":3774.857,"end":3775.357},{"sentences":[{"text":"you later.","start":3775.06,"end":3775.54,"sentiment":"neutral","sentiment_score":0.17135223001241684},{"text":"Bye.","start":3775.54,"end":3776.04,"sentiment":"neutral","sentiment_score":0.1224820464849472}],"sentiment":"neutral","sentiment_score":0.15506216883659363,"channel":0,"num_words":3,"start":3775.06,"end":3776.04},{"sentences":[{"text":"Bye.","start":3775.897,"end":3776.397,"sentiment":"neutral","sentiment_score":0.07414755970239639}],"sentiment":"neutral","sentiment_score":0.07414755970239639,"channel":1,"num_words":1,"start":3775.897,"end":3776.397}]},"summary":{"result":"success","short":"The Okey Financial representative recommends retaining the Net adverse Reinsurance Super funds to increase income and reduce risk levels for retirement goals. They emphasize the importance of balancing growth and income production for retirement goals and the benefits of boosting the customer's super while reducing risk levels. The speaker emphasizes updating and keeping personal records for success in passing their life insurance policy. The effect of insurance premiums on retirement income is shown in the long term effect, not a question about canceling insurance, and the customer should read the information and consider the alternatives before signing up."},"intents":{"segments":[{"text":"Well, I'll try not to take up too much of your time there. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah.","start_word":66,"end_word":109,"intents":[{"intent":"Request callback","confidence_score":0.009505484}]},{"text":"I can go back in and press resend to see if that's the problem. It might also just take a little bit a little bit of time. Okay. I've just pressed resend to see if it comes through to you there again. And, yeah, I've got your email the same as the last we used. It's quickly@hotmail.com. There's no changes to that at all? No.","start_word":339,"end_word":403,"intents":[{"intent":"Resolve questions","confidence_score":0.0020164684}]},{"text":"Now I am gonna skip ahead a few pages, but you'll get to take this back and have a really good read at it prior to taking on the advice.","start_word":1013,"end_word":1042,"intents":[{"intent":"Provide guidance","confidence_score":0.003711084}]},{"text":"But in order to switch the investments or to ultra investments within your super, there are capital gains consequences for your super fund.","start_word":1455,"end_word":1477,"intents":[{"intent":"Discuss investment consequences","confidence_score":0.0016291799}]},{"text":"So it has the newer fund has had a a greater past performance, which if it can do the same thing over the next sort of five to ten years, can put you in a greater, in a greater position down the track.","start_word":1814,"end_word":1856,"intents":[{"intent":"Assess portfolio performance","confidence_score":0.045004714}]},{"text":"That's why as advisers, we review the portfolios with you on a regular basis to make sure that we can update them and that we can put you in, you know, into different investments when we need you to keep your super working harder for you. Does that make sense?","start_word":2498,"end_word":2547,"intents":[{"intent":"Evaluate portfolios","confidence_score":0.042325042}]},{"text":"So what would you classify this this fund as? This is not conservative.","start_word":3184,"end_word":3196,"intents":[{"intent":"Analyze fund classification","confidence_score":0.0044629783}]},{"text":"When you are sort of within that six years, I would be definitely recommending that we reduce the risk level somewhat.","start_word":3322,"end_word":3342,"intents":[{"intent":"Recommend reducing risk levels","confidence_score":0.0032197996},{"intent":"Recommend reducing risk levels","confidence_score":0.00056205713}]},{"text":"I am also recommending as per our last conversation that you do salary sacrifice $50 per month, which is more your comfort level.","start_word":3409,"end_word":3431,"intents":[{"intent":"Clarify conversation","confidence_score":0.00026034378}]},{"text":"I am also recommending as per our last conversation that you do salary sacrifice $50 per month, which is more your comfort level. It works at about $12.","start_word":3409,"end_word":3436,"intents":[{"intent":"Provide suggested salary sacrifice","confidence_score":0.00139632}]},{"text":"I'm putting that into super to kind of provide a bit more of a boost to it.","start_word":3439,"end_word":3455,"intents":[{"intent":"Provide financial boost","confidence_score":0.0012921987}]},{"text":"That's including the recommended $50 per month. Yeah.","start_word":3649,"end_word":3656,"intents":[{"intent":"Recommend replacing extra $50 per month","confidence_score":0.00014212259}]},{"text":"But my concern is that without sort of increasing contributions in and I know you've got a lot going on too, so it may not be that you're able to.","start_word":3668,"end_word":3697,"intents":[{"intent":"Address concerns about retirement","confidence_score":0.0006567441}]},{"text":"Those sorts of investments are and do generate lower rates of returns than your current portfolio can and would.","start_word":3821,"end_word":3839,"intents":[{"intent":"Generate lower returns","confidence_score":0.0072019272}]},{"text":"So whilst this is not perfect, and I fully get that, it's about trying to adjust the portfolio as much as possible so that we can hopefully lower fees for you, keep more money invested in your portfolio working a little bit harder, and maybe also alter the investments so that you're invested in a portfolio that can generate greater returns.","start_word":4004,"end_word":4064,"intents":[{"intent":"Adjust portfolio","confidence_score":0.36962816}]},{"text":"part of having financial advisers is that we can review that with you at review time. I'd like to do a bit of a catch up with you in six months. If you take the recommendations and we make the switch into the newer portfolio, we can do a review maybe in six months' time, see how it's performing, how your how it's working in your super for you.","start_word":4092,"end_word":4160,"intents":[{"intent":"Update portfolio review","confidence_score":0.00002567343}]},{"text":"Well, number four would be high growth, so you would see 90% of your super invested in those growth assets. And then if you think about number five, you're going up to an aggressive portfolio, which is a 100% invested in the higher risk sort of growth assets and no defensive investments there.","start_word":4470,"end_word":4522,"intents":[{"intent":"Evaluate portfolio options","confidence_score":0.000968877}]},{"text":"Well, number four would be high growth, so you would see 90% of your super invested in those growth assets. And then if you think about number five, you're going up to an aggressive portfolio, which is a 100% invested in the higher risk sort of growth assets and no defensive investments there. So that's increasing your risk level.","start_word":4470,"end_word":4528,"intents":[{"intent":"Explain portfolio strategy and risk level","confidence_score":0.0001190131}]},{"text":"Whenever you take on risk, you consider the risk that you you consider the possibility of good possible returns, but then also the risk of the returns might be lower or that you might feel that downtime just as much. Yeah.","start_word":4575,"end_word":4615,"intents":[{"intent":"Evaluate risk of downtime","confidence_score":0.000088862274}]},{"text":"So the one The 90 recommend one. yeah. Okay.","start_word":4744,"end_word":4752,"intents":[{"intent":"Confirm recommendation","confidence_score":0.024909124}]},{"text":"So the one The 90 recommend one. yeah. Okay. The recommended will be after the capital gains consequences or after the capital gains tax has been taken into account for the investment switch for you. Okay.","start_word":4744,"end_word":4779,"intents":[{"intent":"Discuss future recommendation","confidence_score":0.00016971883}]},{"text":"fund versus the new fund. I see.","start_word":4845,"end_word":4851,"intents":[{"intent":"Comparing funds","confidence_score":0.14968285},{"intent":"Comparing investment levels","confidence_score":0.0026988315}]},{"text":"Investments can only be expected to do so much, essentially. But the actual super fund itself is just the investment vehicle. It's all about the underlying investments and getting the growth and the income there.","start_word":5039,"end_word":5073,"intents":[{"intent":"Discussing investment strategies","confidence_score":0.066707686},{"intent":"Speaking about investment strategy","confidence_score":0.000014732038}]},{"text":"So this recommended fund with the risk level of three, Mhmm. I wonder what it would look like with a risk level Yeah.","start_word":5197,"end_word":5219,"intents":[{"intent":"Discussing compounding effect with risk level","confidence_score":0.0000143063535},{"intent":"Describing risk level","confidence_score":0.00028099673}]},{"text":"So the recommended fund is the eighty twenty. You just say, so 80% invested in shares Yep. and 20% in what? Cash No. or So it's cash, bonds, and fixed interest. In cash this case, it'll fund? be basically bonds. Fund.","start_word":5357,"end_word":5397,"intents":[{"intent":"Discuss portfolios","confidence_score":0.00038541987}]},{"text":"If you have a look at page number 25, it essentially shows you what we'll be buying and selling as a whole to kind of alter the portfolio.","start_word":5724,"end_word":5751,"intents":[{"intent":"Analyze portfolio rebalancing","confidence_score":0.0010397171}]},{"text":"Just dropping it a little bit. You're at 5.19%. We only wanna hold 5%.","start_word":5982,"end_word":5995,"intents":[{"intent":"Hold portfolio","confidence_score":0.08176109}]},{"text":"Just dropping it a little bit. You're at 5.19%. We only wanna hold 5%. So, essentially, that investment's seeing some really good growth. So you're, you know, you we wanna rebalance it back a little bit.","start_word":5982,"end_word":6017,"intents":[{"intent":"Rebalance investment portfolio","confidence_score":0.084901474}]},{"text":"So selling a little bit off to bring you back to 5% there.","start_word":6017,"end_word":6029,"intents":[{"intent":"Sell portfolio","confidence_score":0.20780125}]},{"text":"So we can remove the iShares Asia exposure out of that because you have that in this Vanguard or World Index. It's essentially taking away a lot of the different investments that might cost I you more to hold in your portfolio and incorporating them into one investment so that you're still getting diversification and helping to lower the risk level, but it's see.","start_word":6267,"end_word":6330,"intents":[{"intent":"Remove ishares asia exposure","confidence_score":0.37973967}]},{"text":"It is a good investment to keep. It is at a thirty year high, but it will, you know, essentially will continue to grow. We still love it.","start_word":6576,"end_word":6603,"intents":[{"intent":"Growing physical silver","confidence_score":0.000056210163}]},{"text":"We are removing that from your portfolio. It hasn't been performing as we sort of liked it to. It has taken a bit of a better because of, obviously, high inflationary rates. So we are just looking to remove the physical silver out of the portfolio and keep that physical gold in there. Okay.","start_word":6629,"end_word":6682,"intents":[{"intent":"Removing physical silver from portfolio","confidence_score":0.01002571}]},{"text":"So that's giving you exposure to the entire globe minus The US market, and that's because above, we're holding 30% of the S and P 500. And then as I kinda mentioned before, we're removing the the Vanguard diversified index and the Vanguard fixed interest index, but we still wanna hold defensive investments like cash, bonds, and fixed interest.","start_word":6737,"end_word":6795,"intents":[{"intent":"Verify investment portfolio","confidence_score":0.00061959197}]},{"text":"Tell me, if this when this goes ahead and I reach 60, where is Beautiful.","start_word":7189,"end_word":7203,"intents":[{"intent":"Confirm investment timing","confidence_score":0.0000085928405}]},{"text":"I am encouraging you to do that salary sacrifice where possible. If you look at that $50 on a monthly basis, it is just $12.50 per week.","start_word":7828,"end_word":7854,"intents":[{"intent":"Discuss salary sacrifices","confidence_score":0.0006593696}]},{"text":"But if you can think about the compounding effect, putting $12.","start_word":7859,"end_word":7869,"intents":[{"intent":"Discuss compounding effect","confidence_score":0.5492034}]},{"text":"If you decide you don't want to take on the the recommendations with the salary sacrifice on the last page of the document, there is a little multi line box. In that box, you just outline what you do not wish to take on board as part of the advice.","start_word":7959,"end_word":8008,"intents":[{"intent":"Highlight advice","confidence_score":0.000024692332}]},{"text":"We'll just give you a letter. It'll have all the information attached. You just hand that to your employer, and they can organize that with your normal employment contributions. But we'll have a letter prefilled for you with all the information that you can just send to them or hand to them to make it easier on you. Yeah.","start_word":8550,"end_word":8608,"intents":[{"intent":"Create payroll guidelines","confidence_score":0.0012056612}]},{"text":"So, look, essentially, we've outlined majority of the recommendations there. You have the sections.","start_word":8636,"end_word":8649,"intents":[{"intent":"Recommend sections","confidence_score":0.10366554}]},{"text":"If you find you have additional questions, you're welcome to come back and ask me.","start_word":8725,"end_word":8739,"intents":[{"intent":"Address questions","confidence_score":0.011602642}]},{"text":"What's your, Absolutely. remuneration? Can you explain that bit?","start_word":8848,"end_word":8856,"intents":[{"intent":"Provide information","confidence_score":0.22565085}]},{"text":"remuneration? Can you explain that bit? Absolutely.","start_word":8851,"end_word":8857,"intents":[{"intent":"Explain remuneration","confidence_score":0.32620656},{"intent":"Clarify policy details","confidence_score":0.004619862}]},{"text":"That was probably the next part to go through. Essentially, so with the remuneration side of things, that outlines the fees that we are paid for any recommendations that we essentially make there.","start_word":8858,"end_word":8890,"intents":[{"intent":"Explain fees","confidence_score":0.13863629}]},{"text":"We're retaining the insurances that you have because you are currently on a claim. You're happy with the life and TPD policy that you hold, and you're currently claiming the income protection policy.","start_word":9111,"end_word":9143,"intents":[{"intent":"Reconstruct policies","confidence_score":5.1612386e-7}]},{"text":"Has it kinda made sense thus far? Yeah.","start_word":9404,"end_word":9411,"intents":[{"intent":"Confirm understanding","confidence_score":0.12805103}]},{"text":"You will see in there as well with the estate planning side of things that I have made the recommendations around setting up a will and a power of attorney. We don't do that. We can refer you to a solicitor, or if you have a local attorney or a solicitor you're comfortable talking to to seek those services.","start_word":9423,"end_word":9481,"intents":[{"intent":"Discuss estate planning","confidence_score":0.011927551},{"intent":"Provide insurance and power of attorney","confidence_score":0.0004811988}]},{"text":"Your beneficiaries cover your life insurance and your super, but they don't cover everything else that you've got there. So it's important to make sure that everything is covered and that it is provided as per your wishes on on passing or, you know, hope nothing ever happens.","start_word":9523,"end_word":9570,"intents":[{"intent":"Ensure insurance coverage and coverage","confidence_score":0.0005916035}]},{"text":"I've scoped in the insurance aspect to know that we're retaining all your insurance covers currently, but there is an effect. And I kinda talked about before how we know that there's an effect on your retirement outcome because you pay insurances out of your super.","start_word":9639,"end_word":9684,"intents":[{"intent":"Show impact of insurance coverage","confidence_score":0.004389303}]},{"text":"If you can go to page 31 for me, there's a little table I just wanted to sort of run you through as well. 21. Yep.","start_word":9685,"end_word":9710,"intents":[{"intent":"Navigate to page 31","confidence_score":0.008200063}]},{"text":"So on the bottom of that page, you have a heading called outcomes, and underneath that, there is a little projection Yep. Yeah. So with this table here, you've got the exact same as what's in the above projection table, the current and the recommended. That's exactly the same.","start_word":9712,"end_word":9760,"intents":[{"intent":"Locate projection table","confidence_score":0.002431978}]},{"text":"So this is essentially showing you that we know and we understand that insurance premiums coming out of your super do have an effect on your retirement income, because it does reduce the amount that you have five super at the end of the day.","start_word":9812,"end_word":9856,"intents":[{"intent":"Show impact of insurance premiums on retirement income","confidence_score":0.024718186}]},{"text":"This it's not saying you have to cancel. It's not saying you should. It's just showing you the outcome if you were to not. It's like an alternative. If you didn't have insurance premiums, this is the projected outcome that you could see.","start_word":10176,"end_word":10218,"intents":[{"intent":"Show alternative outcome","confidence_score":0.33656442}]},{"text":"It's like an alternative. If you didn't have insurance premiums, this is the projected outcome that you could see.","start_word":10199,"end_word":10217,"intents":[{"intent":"Discuss alternatives","confidence_score":0.03327643}]},{"text":"I know that over the next, you know, ten to fifteen years, I'm probably gonna be about $40,000 less because of that.","start_word":10278,"end_word":10299,"intents":[{"intent":"Understand cost reduction","confidence_score":0.005948515}]},{"text":"It's a little bit I see. confusing, and I get that, But we it's just making sure that we're touching the points that we do have to and showing you the alternative. Does that make sense? Yep.","start_word":10346,"end_word":10382,"intents":[{"intent":"Clarify points","confidence_score":0.008315263}]},{"text":"Oh, that's a that's an error. Let me sorry. I'll go back and have that one rectified for you, and And we'll and send the it previous back out. page as well. Yeah. Sorry about that. That's a small error. We'll go back in and just have that changed and send it back to you. Okay.","start_word":10482,"end_word":10537,"intents":[{"intent":"Resolve errors","confidence_score":0.057161003}]},{"text":"It's just a it's we pull it sort of pull it out of the template. It should just be updated with your name, essentially. So we'll just go back and have that rectified and resend the document to you.","start_word":10544,"end_word":10582,"intents":[{"intent":"Resolve template issues","confidence_score":0.009594872}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Catherine. It's Dana from Okey Financial. How are you this afternoon? Hello?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.1602371335029602},{"text":"Good. Thank you. That's good. I had you booked in to go through your updated statement of advice to to make some changes to your investments. Is now still a good time here for you? Yes. Fan fantastic. How's your day being so far?","start_word":14,"end_word":57,"sentiment":"positive","sentiment_score":0.4330819845199585},{"text":"Sure. Busy as usual. Yeah? No. All good. Well, I'll try not to take up too much of your time there. Before I jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Yeah. Yeah. That's fine.","start_word":58,"end_word":112,"sentiment":"neutral","sentiment_score":0.07059071958065033},{"text":"Beautiful.","start_word":113,"end_word":113,"sentiment":"positive","sentiment_score":0.5688338279724121},{"text":"And just to the security there with you as well, just to confirm your full name, your date of birth, and address I should have on file. Catherine Qui. 09/14/1978. 2 Catalina Cove, Mainland.","start_word":114,"end_word":147,"sentiment":"neutral","sentiment_score":0.11083848774433136},{"text":"Beautiful. Thank you so much for that.","start_word":148,"end_word":154,"sentiment":"positive","sentiment_score":0.5439173579216003},{"text":"Catherine, I do send through the email to you with the statement of advice document attached. Are you able to access your email and pull that one up at all? Oh, did you only just recently send it? Yeah. Just then. I send it when Oh, I give just you send. a call. Yeah. Oh, okay. Let me get to my computer. Hang on a That's second. that's okay. If you're making a coffee, you're welcome to to grab that. That's fine. Oh, it's just putting the dishes away. So Oh, okay. No. That's alright. let me just get a shot up and then I'll get to the That's okay. That's not a problem at all. computer. I'll put you on speakerphone so I can do on the computer. Nice. Not a problem at all. When you do get into your emails there, it should've come through from OdooSign and ordainer@oqfinancial. Has that come through there to you at all? No. I didn't see it. When? No. Double check your junk mail as well. Yeah. I I need my Gmail. Nothing? No. Okay. I can go back in and press resend to see if that's the problem. It might also just take a little bit a little bit of time. Okay. I've just pressed resend to see if it comes through to you there again. And, yeah, I've got your email the same as the last we used. It's quickly@hotmail.com. There's no changes to that at all? No. It's No. come That's through. yep.","start_word":155,"end_word":408,"sentiment":"neutral","sentiment_score":0.019754591852602525},{"text":"Beautiful. I can see it on my phone.","start_word":409,"end_word":416,"sentiment":"positive","sentiment_score":0.4353421628475189},{"text":"I'm just waiting for it to load on my desktop that takes a while. That's okay. While. Okay. I've got it.","start_word":417,"end_word":437,"sentiment":"neutral","sentiment_score":0.1453900784254074},{"text":"Beautiful.","start_word":438,"end_word":438,"sentiment":"positive","sentiment_score":0.5691681504249573},{"text":"So when you open the email there, it does have a little button that says sign here or sign to complete or sign now. You just click on that button so you can move forward through the document. When you click on that button, it takes you to the next screen, which will have the actual statement of advice then. It lets you go through the pages individually. Okay. Yep. I've got Yep. the document Beautiful. open.","start_word":439,"end_word":515,"sentiment":"neutral","sentiment_score":0.11491889506578444},{"text":"Excellent.","start_word":516,"end_word":516,"sentiment":"positive","sentiment_score":0.48474955558776855},{"text":"So the first page of the document there, the front page, it does say statement of advice prepared for yourself as of the 08/25/2026. All of our advice is valid for sixty days. So we date it for the date of the actual presentation there. On the bottom of the front page, it has my details. So I'm also as representative of Ophi Financial and a licensed financial adviser through ASIC, and my registration number is 13 oh, sorry. 1304394. Okay? The next page Okay. as you are sort of scrolling through, I'll take you through these a little bit more briefly. But the next page, Alan, the best interest duties is just noting that we do act in your best interest. Any advice we do provide is there to meet your goals. The following page continues forward to the table of contents, and then we have the scoping in and out areas. So, essentially, with this advice piece, we're looking at superannuation. We're also looking to retain your insurances exactly as they are because you are on an income protection claim as well as working part time. But we've scoped them in because the insurances have to be factored in. They are paid out of your super, so it does have an effect on your on your retirement. And so it has been factored into the projection table for that purpose there. Okay? We've also got the estate planning side of things. So I've scoped that in. Just because you don't have a will and power of attorney up to date, it is definitely something to consider doing. I've scoped out the beneficiaries because you have those in place on your super and your life insurance policy, and you are happy with how they were noted. But we scoped in your state planning, noting it is important that you do speak to a solicitor and draft up a will and power of attorney for yourself just to make sure that everything that you've worked really hard for is protected. Okay? Mhmm.","start_word":517,"end_word":858,"sentiment":"neutral","sentiment_score":0.11593941063211675},{"text":"Excellent.","start_word":859,"end_word":859,"sentiment":"positive","sentiment_score":0.4668665826320648},{"text":"Areas that we're not looking at with the advice there is on page number five and onwards. So you did you know, looking forward the income protection side of things, you've got income protection at the moment. You've also got some trauma cover.","start_word":860,"end_word":902,"sentiment":"neutral","sentiment_score":-0.121262788772583},{"text":"We're not making any changes or recommendations on any of those. We're not scoping in anything to assist with the cash on budgeting at this time.","start_word":903,"end_word":928,"sentiment":"negative","sentiment_score":-0.3984908163547516},{"text":"If you did need additional assistance or new advice down the track, we can certainly help you to look at that. And then, again, at the bottom there, I've scoped out What the beneficiary nomination side of the estate planning because you have those current on your super and your insurances. They do currently reflect your wishes. We'll just keep to review them with you and make changes as we need you down the track. Okay? That was on page number five.","start_word":929,"end_word":1010,"sentiment":"neutral","sentiment_score":0.11068709939718246},{"text":"Yeah. Beautiful.","start_word":1011,"end_word":1012,"sentiment":"positive","sentiment_score":0.5385938882827759},{"text":"Now I am gonna skip ahead a few pages, but you'll get to take this back and have a really good read at it prior to taking on the advice. But, essentially, if I can get you to scroll scroll down for me, we're gonna head down to page number 23. I'll take you through the sections of the advice that I need to to touch on the points that I need to, and then you're welcome to take your document back and have a really good read of it prior to you accepting any of the advice. Okay? Mhmm.","start_word":1013,"end_word":1112,"sentiment":"neutral","sentiment_score":0.1816488792002201},{"text":"Beautiful.","start_word":1113,"end_word":1113,"sentiment":"positive","sentiment_score":0.5886591672897339},{"text":"Now when you get to page 23, it should say on the heading there the fee comparison table. So you can just let me know when you get to that point there. Okay. That's okay. Okay. Table. Yeah.","start_word":1114,"end_word":1151,"sentiment":"neutral","sentiment_score":0.1300497055053711},{"text":"Beautiful.","start_word":1152,"end_word":1152,"sentiment":"positive","sentiment_score":0.5133443474769592},{"text":"So, essentially, with the recommendations there, we had scoped Yep. in super as I kinda mentioned, and we're looking at trying to meet your goals. You were hoping to be able to retire at around about the age of 60 there. Your super balance is working well, but it has been a little bit lower and held back with returns this year partly because of what's been happening in the markets globally, but also just with the better long Australian equities investments. So we agreed to go back and have a really good look at the investments, look at the way the super was structured, and look at whether or not, you know, moving to another fund or moving switching your investments was gonna help a little bit there. So what I've essentially recommended is that we do retain your Netwealth super fund. I did look at moving to other super funds. However, there are capital gains taxes for switching and selling investments. So if we had to sell down all of your investments and move to another fund, it essentially was a higher capital gains consequence than just retaining your current fund and switching the investments out. The other side of that is you also do have your own income protection claim. So it does mean, you know, moving all the other bits and pieces and parts. So with everything you've got going on at the moment, trying to keep this as easy as possible for you, limit the overall complexity, but making sure your super is working harder for you. So I'm recommending we retain your Netwealth Superfund itself so that we switch the investments within that. Now on the top line there, you've got your current balance, $191,001.47. Essentially, I'll take you through the investment switch switches shortly. But in order to switch the investments or to ultra investments within your super, there are capital gains consequences for your super fund. This doesn't affect you personally. Your super fund likely does a tax return every year, and your super fund pays income tax and capital gains tax. Essentially, to make the switch and to change the investments within your super fund, the expected capital gains consequence there is $1,938. So you can see that in the differences column there. Okay? Sorry. That's switching over, is it? So you're retaining your super fund, but we're changing the underlying investments there. So Yeah. the cost Yeah. for doing so, the the capital gains consequence for your super fund is expected to be $1,938. Okay? Okay. So that gets Yep. taken out of the account. Is that That's right? correct. It's a tax. Yeah. So capital gains is c CGT is capital gains tax. And whenever you buy and sell investments, there are capital gains consequences for doing so. So your super fund will pay capital gains tax of $1,938. So it reduces the upfront balance. That means that with the new portfolio, once we've made the switch, the expected super balance within the fund is 189,209. Okay. So the switching from the current one to the new one, Mhmm. what benefit does it give? Like Oh, yeah.","start_word":1153,"end_word":1680,"sentiment":"neutral","sentiment_score":0.06784612466722276},{"text":"Perfect. Yeah. I can show you that. So the benefits there are that the investment fees are reduced.","start_word":1681,"end_word":1698,"sentiment":"positive","sentiment_score":0.4343776404857635},{"text":"So the newer portfolio, if you have a look at the second line there in your current fund, you're paying $548 for investment fees.","start_word":1699,"end_word":1722,"sentiment":"neutral","sentiment_score":0.32910680770874023},{"text":"By switching to the newer fund, we actually save a $194 on investment fees for the first year.","start_word":1723,"end_word":1740,"sentiment":"positive","sentiment_score":0.5697616338729858},{"text":"Alright?","start_word":1741,"end_word":1741,"sentiment":"neutral","sentiment_score":0.3309088945388794},{"text":"So definitely, there's more money in your super working harder for you. It reduces the investment costs.","start_word":1742,"end_word":1758,"sentiment":"positive","sentiment_score":0.48835331201553345},{"text":"The other side of it is the the growth or the five year rolling average. If you look at the very bottom of that table, you've got the five year rolling average there. When you look at the older fund, it's averaged about 10.47% on a yearly basis. The newer fund has averaged 10.71%.","start_word":1759,"end_word":1812,"sentiment":"neutral","sentiment_score":0.07017505913972855},{"text":"So it has the newer fund has had a a greater past performance, which if it can do the same thing over the next sort of five to ten years, can put you in a greater, in a greater position down the track.","start_word":1813,"end_word":1855,"sentiment":"positive","sentiment_score":0.5582895874977112},{"text":"The five year rolling average, 10.47. I just downloaded the report from the net well, website for the five year rolling like, five year average. It wasn't 10.47% at all. It was Yeah. five This point isn't two seven. yeah. So this isn't necessarily your five year rolling average. This is the five year rolling average that this portfolio has been able to obtain in general. So, obviously, what you actually get in the fund can be very different to what the what the portfolio can return because there's many other factors involved there. When you think about the return you actually get within the portfolio, it's dependent upon contributions going in, income that's being redistributed, fees that are coming in and out of the fund. There's lots of other factors there. So if this isn't saying that you will or have got that 10.47%, it's saying that this portfolio, when we look at past data, has been able to generate this as a as a gross so a gross return over the past five years. The That's same thing a big with the difference, newer though. Like, it is. five It absolutely five point is. two seven to 10.47, that's, like, half the Yeah. amount. Yeah. And, look, the newer portfolio can obtain and has obtained about a 10.71% over the past five years.","start_word":1856,"end_word":2080,"sentiment":"neutral","sentiment_score":0.05792799964547157},{"text":"So, realistically, if the newer portfolio can do that over the next, you know, five to ten years, that can put your super in a much greater position there for you.","start_word":2081,"end_word":2111,"sentiment":"positive","sentiment_score":0.3938580453395843},{"text":"So we have to utilize past data and research houses to be able to obtain this data. It's a data that every super fund, every investment firm, every financial adviser always use, and that's what we Mhmm. essentially utilize. But there is never a guarantee of a return. And look at the bottom there, you can see the projected outcome between your current portfolio and the new one newer one that we are also recommending. But projection should always be taken with a grain of salt because, realistically, markets react differently. We essentially have to use past data because we can't determine what markets are going to do in the future. No one has a crystal ball, unfortunately. And so we have to use past data on how markets and portfolios have performed in the in the past to kinda generate what we expect or hope they can do in the future. But there's never a guarantee involved there. It is always up to so many factors with being your contributions going in. It depends upon fees within the fund. It depends upon how individual investments perform. It depends a lot of upon how investors actually feel as well because 90% of the market ups and downs is generated by investors' reactions to markets. You know, essentially, if someone sees Trump tweet something today, tomorrow, they could feel a bit nervous and start to sell off their portfolio. When one person sees something selling, other people Yep. can see that selling, and then they also to jump on the same bandwagon. So 90% of market reactions are solely and mostly because of human beings and their emotional reactions to what they're seeing and feeling. Unfortunately, us as a species are very much an emotional species, but we have to use past data to kind of look at how markets and how portfolios can perform in the future. So this this portfolio that I wanna put you in has the sorry.","start_word":2112,"end_word":2441,"sentiment":"neutral","sentiment_score":-0.0822068720378659},{"text":"It has the potential for greater future return as well as a lower cost portfolio. So it is saving you in fees as well, which is a good thing. Together, that can put you in a greater position over the next five to ten years.","start_word":2442,"end_word":2486,"sentiment":"positive","sentiment_score":0.6562774777412415},{"text":"But as I said before, there's no guarantees of doing so. That's why as advisers, we review the portfolios with you on a regular basis to make sure that we can update them and that we can put you in, you know, into different investments when we need you to keep your super working harder for you. Does that make sense? Yeah. Yeah. I'm just comparing the 10.47 to 10.71. Like, if it's 10.47 for the general population and I'm actually only getting 5.2, then, you know, 10.71, that's probably realistically only gonna generate that amount even if it's a point 24% increment. Not necessarily. So if you look at your super over the past sort of five years, you've got a 5% return. Maybe one year, you've got a 10% return. Another year, there could have been a 15% So return there in another year. So we do know that markets are gonna go up. They're gonna go down. Some years, you can get a 20% return. Some years, just a 10% return. Some years, a No. negative return. But it's also understanding that there are and there is the expectation that when markets are down, that you're gonna also have a negative return. And it's about making sure you're invested in a way that you can go through those downturns and not not have an emotional reaction, not sell your investments, and not withdraw money at that downtime, and allow your portfolio to go through that. With the way Yes. you're invested currently is that you are in that growth environment. So it does generally see 80% of your super invested in growth assets, assets. So things like Australian shares, international shares, listed property, and commodities like gold and silver. You are taking on a bit more risk to be in that kind of environment, so you are gonna feel the ups and the downs. The other side of that is that that sort of 5% return you're looking at within hub twenty four, there a lot of that has been sort of held back because of one of your investments as we kinda went through last time. You've got the Benelon Australian Equities in there. That investment has had quite a severe downtime, and we are looking to remove that as part of this, make sure that we can move you out of those sorts of investments and keep you in a portfolio that is working harder for you essentially as well. So Have you removed that, or or is that in the process? that's in the process. Yeah. Alright. I thought you guys have already removed it. Okay. No. I understand there's market's up and down, and the average of 10.47 is just like an average across, you Yeah. know, four, five Correct. years. Yeah. But what I'm saying is 10.7 across five years versus 10.71 across five years is not much of an increase, really. That's what I mean. Like, point two four Yeah. percent. So and then, yeah, and then I have to pay the the 1,938 for capital gains. And then because I'm looking at the table underneath lump sum in five years and you're comparing the two funds Mhmm. for a difference of 4,200. I've already paid 2,000 in capital gains for that. So is this new fund what is it considered conservative? Or is it because No. I know that Not there are funds where you can select to have, like, payout, like, high dividend. Is that right? mhmm. Yes. So most funds do pay dividends. Are you sort of talking about the funds that pay higher dividends? I yeah. Mhmm. Yeah. So dividends are not a requirement for any fund. Most ETFs and investments do pay out dividends, but not all of them do. Essentially, they are generated by the underlying companies. And if underlying companies don't have good years, then there's no guarantees that dividends are gonna be paid out. But majority of the funds that we put you in ETFs do actually pay out dividends, and that it's considered income in the portfolio, which is then reinvested back into your portfolio for the compounding effect. So what would you classify this this fund as?","start_word":2487,"end_word":3192,"sentiment":"neutral","sentiment_score":-0.05601801224865505},{"text":"This is not conservative. It's no.","start_word":3193,"end_word":3198,"sentiment":"negative","sentiment_score":-0.4075762927532196},{"text":"You're in a growth fund. So the idea is when you think about risk out of a level between, say, one and five, five being the highest level of risk and maybe one being the lowest or sitting in cash, you're realistically sitting at about a three. So you're kind of mid range there, but I wouldn't put it as conservative. You are 80% invested in those growth assets, so you are taking on a bit more risk in the market to try and get greater potential returns. No. Realistically, this sort of environment suits someone who's about six years away from or at least six years away from accessing their super. So you've got that time horizon ahead of you still currently. When you are sort of within that six years, I would be definitely recommending that we reduce the risk level somewhat. But the other side of that is with your goals. So you're sort of wanting to access super at around about the age of 60. And your goal income in that time frame, I believe, was about $1,500 per week. And so, realistically, with your balance at the moment, we need to either get a bit more growth or consider putting more funds in the super. I am also recommending as per our last conversation that you do salary sacrifice $50 per month, which is more your comfort level.","start_word":3199,"end_word":3431,"sentiment":"neutral","sentiment_score":0.03298738921788629},{"text":"It works at about $12.","start_word":3432,"end_word":3436,"sentiment":"positive","sentiment_score":0.36502689123153687},{"text":"50 per week.","start_word":3436,"end_word":3438,"sentiment":"neutral","sentiment_score":0.3049928545951843},{"text":"I'm putting that into super to kind of provide a bit more of a boost to it.","start_word":3439,"end_word":3455,"sentiment":"positive","sentiment_score":0.5885568857192993},{"text":"Because, realistically, given the current balance you have and the amount of, you know, how it has kinda grown and with the limited amount of contributions going into the fund, over the next sort of five to ten years and even thirteen years towards your retirement goal at the age of 60, as you can see by the projection table there, it's under the current scenario projected to be around 377,000 under the recommended about 398,000. So, realistically, that's a little bit low for where you should be based on your goal. It does mean that if you draw out $1,500 per week from your super, your super is not gonna last as long as what you would sorta hope it to be. And it means that sort of you eventually may have to rely on, you know, the age pension if you're eligible for that down the track. So it's about looking at ways to boost your super as much as possible within the limitations that we have. Okay. So this scenario under the recommended column is provided provided that I put in that extra $50. Is that right? It is. Yeah. That's including the recommended $50 per month. Yeah. If you choose not to do so, that's honestly okay. But my concern is that without sort of increasing contributions in and I know you've got a lot going on too, so it may not be that you're able to. But with our last conversation there last time, it was just about what your comfort level was to be able to add to your super to kinda build on that a little bit. But I do have a bit of a concern that if you're, you know, you get to age 60 and are wanting to draw out the income that you are with the way we have things invested in super.","start_word":3456,"end_word":3768,"sentiment":"neutral","sentiment_score":-0.041215618995699685},{"text":"So when you actually do retire, we would not wanna see you in that growth kind of environment.","start_word":3769,"end_word":3786,"sentiment":"negative","sentiment_score":-0.4346763491630554},{"text":"We would wanna see you in more of a conservative environment, which is less of those growth assets and more income producing assets. So you're looking at things like cash, bonds, and fixed interest. Those sorts of investments are and do generate lower rates of returns than your current portfolio can and would. In generally, when we're looking at conservative projections in retirement, we wouldn't sort of expect more than, say, a five or 6% return on an annual basis compounding that forward. So it does mean that when you are drawing larger sums of money on a weekly basis to cover your retirement, that you are, you know, easing into your capital when your returns are much lower. Being in that kinda conservative environment in the retirement years means that we are hoping to generate as much income as possible to help your draw downs, but it's not always guaranteed, and it's still dependent on markets.","start_word":3787,"end_word":3943,"sentiment":"neutral","sentiment_score":-0.1675252914428711},{"text":"You are still invested in markets, and markets still go up and down. And even defensive investments, while they still don't see the greater ups and downs that the higher level of risk or the shares do, they still are impacted by inflation. They still are impacted by market ups and downs, essentially.","start_word":3944,"end_word":3996,"sentiment":"negative","sentiment_score":-0.3684588372707367},{"text":"Does that all make sense? Yeah. Yeah. So whilst this is not perfect, and I fully get that, it's about trying to adjust the portfolio as much as possible so that we can hopefully lower fees for you, keep more money invested in your portfolio working a little bit harder, and maybe also alter the investments so that you're invested in a portfolio that can generate greater returns. Admittedly, I'm honest, and I'll tell you upfront, there's no guarantees that this is going to generate greater returns.","start_word":3997,"end_word":4083,"sentiment":"neutral","sentiment_score":0.07712228587646594},{"text":"There's always a risk with that.","start_word":4084,"end_word":4089,"sentiment":"negative","sentiment_score":-0.3741915225982666},{"text":"But Yeah. part of having financial advisers is that we can review that with you at review time. I'd like to do a bit of a catch up with you in six months. If you take the recommendations and we make the switch into the newer portfolio, we can do a review maybe in six months' time, see how it's performing, how your how it's working in your super for you. And if it's not working, then we look at what else to do so we can continuously keep working and building on it and, you know, adjusting the super as we need to. I think one of the biggest things to sort of note is that investments that might have been good about four or five years ago within your super may not be the same or may not be working as much now. It's also about readjusting and realigning your portfolio. So we also do and I have recommended as part of it that we do also a rebalancing because different investments grow at different rates. So if, for example, you were recommended to say, gold and then a couple of shares or at 10% each, depending on the different market reactions, one of those shares might go down, the other one might go up, and the other one, you know, the gold might go up by 20% more. So you end up increasing your risk level with the difference in the ups and downs in the share market. And so rebalancing your portfolio helps to sell some of the investments that have grown at a faster rate than others. It helps to, you know, redistribute growth back into other areas of the portfolio, and we buy into certain areas where there might not have been as much growth as well. So this is about rebalancing things, readjusting the portfolio. But as I said, there's no guarantees, and I'll be very upfront with you about that. Okay. Yeah. So did you say that this recommendation was a level three? Is that right? Yeah. When you consider risk out of between between one and five, you're sitting at a risk level of about a three. Yeah. Okay. What are what is what is number four and five look like? Well, number four would be high growth, so you would see 90% of your super invested in those growth assets. And then if you think about number five, you're going up to an aggressive portfolio, which is a 100% invested in the higher risk sort of growth assets and no defensive investments there.","start_word":4090,"end_word":4522,"sentiment":"neutral","sentiment_score":0.02624323157976461},{"text":"So that's increasing your risk level. You can look at increasing that if you want, but then you're also increasing the risk of going through a downtime. So the the possibility of greater returns are there, but there's also the risk of having more of a downturn more regularly and feeling that. Whenever you take on risk, you consider the risk that you you consider the possibility of good possible returns, but then also the risk of the returns might be lower or that you might feel that downtime just as much.","start_word":4523,"end_word":4614,"sentiment":"negative","sentiment_score":-0.3967798948287964},{"text":"Yeah. Does that all make sense so K. Yeah. Yeah. far? But There's I'm a lot just to trying think to about, read isn't the table. there? So on the page of on the bottom of page 23, there's a table there with the lump sum in five years, ten years, and at 60. Right? Yep. So Your projection you've got table. Yeah. you've got the current on the that's the current balance. Is that right? Mhmm. The No. projection table no. The projection table is projects everything from the top table. So your current balance is noted in the fee comparison table, the very top one Uh-huh. at the top where it's got balance. So that's your current balance now is in the current side Okay. of that. So the one The 90 recommend one. yeah. Okay. The recommended will be after the capital gains consequences or after the capital gains tax has been taken into account for the investment switch for you. Okay. So the current, like, $2.47 Mhmm. is what you think it will look like in five years with the current portfolio. Right? Yep. Based on all the information above. Correct. Yeah. And then the recommended one is the $2.52 with the new fund that you recommend in five years' Mhmm. time. That's correct. Yeah. The the difference okay. The difference between the current Mhmm. fund versus the new fund. I see. Mhmm. Yeah. Okay. Yeah. And, look, they are very minor differences, but it's also taking to account that you have a lot going on. You are on a part income protection claim, so you're not working as many hours. And think of your super fund like your vehicle. It's like a car, really. It's essentially, the super fund is where the funds go in to be held. But what actually drives the growth and what makes the super work is the underlying investments and your contributions, and that's essentially the fuel. They work together to kind of, you know, your contributions going in as a set of capital that's going in and being invested, but then you've also got growth and income coming out of it. To not have any additional contributions or no contributions going in is gonna limit the amount of growth that you have there.","start_word":4615,"end_word":4998,"sentiment":"neutral","sentiment_score":0.04829704298754223},{"text":"So the growth and the contributions do work in unison. They are they do complement each other to help make your super work harder and grow more.","start_word":4999,"end_word":5025,"sentiment":"positive","sentiment_score":0.49368178844451904},{"text":"But it's you know, without those, your super can only do so much. Investments can only be expected to do so much, essentially. But the actual super fund itself is just the investment vehicle. It's all about the underlying investments and getting the growth and the income there. The other thing to consider is that smaller amounts of growth, have a different effect. So if you think about someone with a $50,000 balance, getting a 5% return is one thing. That same person having a $500,000 balance and getting a 5% return, that same 5% return has a much greater effect. So as your super grows and grows and it gets a two, three, or five, or 10% return, that is gonna have a greater effect down the track when your super balance is higher rather than it probably would or feel like it would now. So the compounding effect takes into play, and you end up with great smaller returns have a much bigger effect on the higher balance, essentially. So this recommended fund with the risk level of three, Mhmm. I wonder what it would look like with a risk level Yeah. I could always do that projection for you, but one of the things that we did talk about was how you invested. So with your of four.","start_word":5026,"end_word":5246,"sentiment":"neutral","sentiment_score":0.09557221944515522},{"text":"annual review, we're happy to stay with stay in that kind of environment with that 80% split.","start_word":5247,"end_word":5263,"sentiment":"positive","sentiment_score":0.5060074925422668},{"text":"You if you wanna look at maybe increasing your risk, you absolutely can. It is up to your prerogative. A high growth investor is suit all that sort of portfolio is suited to someone who has at least eight years before they're willing to access their super.","start_word":5264,"end_word":5310,"sentiment":"neutral","sentiment_score":0.224958598613739},{"text":"It does still suit your time horizon.","start_word":5311,"end_word":5317,"sentiment":"positive","sentiment_score":0.4218835234642029},{"text":"I could always do the projection as an alternative for you if you like. Mhmm. If you decide you wanted to take that, that's absolutely fine, but you are taking on a higher level of risk to do so. So the recommended fund is the eighty twenty. You just say, so 80% invested in shares Yep. and 20% in what? Cash No. or So it's cash, bonds, and fixed interest. In cash this case, it'll fund? be basically bonds. Fund. So 20% Yeah. in bonds and 80% in shares that's for the Yep. recommended As as an fund average. So as an with energy. this portfolio yeah. So as an average so with this portfolio, the way it's recommended there, you'll actually see about if you look on page number 27, you'll see the asset allocation table for you. Asset allocation table for you. Yeah. Okay. Yep. So you've got the asset allocation table there, and the first column is the different types of assets that are seen as growth and defensive assets. The second one there is the risk profile as a percentage. So your sort of risk profile sees that eighty twenty split in your existing portfolio. You've got about 86.84% in those growth assets and about 13.16% in the defensive investments. By making the changes and the switch to the newer portfolio, you'd see 86 invested in the growth assets, and we're just increasing the defensive exposure just a little bit there. So that's essentially where you would see that exposure sitting. It's just outside of that eighty twenty split just because when you think about the buy price of investments, it's discrepancy. So within that growth portfolio, we still allow for about a 10% discrepancy or So variance from 80 in six the risk point profile. four to 86, there's actually less than the Yeah. Yep. And it's performed a lot better in the past. new fund. Yeah. And it's cheaper. And to give you a little bit, like, further context there, so with the current cash you have in your portfolio, at the moment, the amount of cash sitting in the cash account is a little over $5,789. So, realistically, you've got about 3.06% cash in your super fund. We only really wanna hold about 1%. So it also means that you're holding a little bit much cash at the moment, so we're reinvesting that into the portfolio there for you. If you have a look at page number 25, it essentially shows you what we'll be buying and selling as a whole to kind of alter the portfolio. Okay. Run through that. Yeah. So, essentially, selling off and rebalancing some of the global tech, selling off all of the Asia, just rebalancing back the beta shares Australian 200. The battery and lithium tech will be selling all of, and the BetaShares hacks as cybersecurity, that'll be reduced down to 5%. So we're just selling a little bit of that. We'll be buying into the European exposures. This is giving you access to all 16 European countries. So one of the big things that's really important with helping to even though you want, you know, good returns and you want to take a bit of risk, it's still important to try and reduce as much risk as humanly possible. So one of the ways we do that is to diversify, and that is investing in different asset classes, different industries, and different countries as well. So this investment portfolio with the iShares Europe there, that's the one, two, three, four, five, six, one down, that's essentially giving you exposure to all 16 European countries there. And so we'll hold about 8% of that one. You'll still hold some beta shares from Australian equities about 20% there. We're still holding some cybersecurity because it is still a good area to hold. That's about 5%. That's the beta shares hack investment you can see there. You're still off no. Yeah. Just dropping it a little bit. You're at 5.19%. We only wanna hold 5%.","start_word":5318,"end_word":5994,"sentiment":"neutral","sentiment_score":0.03874365459340713},{"text":"So, essentially, that investment's seeing some really good growth.","start_word":5995,"end_word":6003,"sentiment":"positive","sentiment_score":0.379291296005249},{"text":"So you're, you know, you we wanna rebalance it back a little bit. So selling a little bit off to bring you back to 5% there. Buying into the iShares Europe to give you exposure to more of those European countries, they're buying in if you've got 5.73 at the moment, wanna hold 8%. You've also got the S and P 500, which is giving you access and exposures to the top 500 companies on the American market. Mhmm. At the moment, you've got 24.66% there. We wanna buy a little bit more of that to hold about 30 of that side of things. You would see defensive investments, the Vanguard diversified index investment. We're selling that off completely, so that'll go Why? down to zero. What's happened Well, to it's Vanguard? there's nothing wrong with it. It's more of a defensive investment. We've just found a cheaper, better way to hold defensive investments. But the Vanguard diversified index and the Vanguard Australian fixed in fixed interest index, so we're gonna sell those off completely. There's nothing wrong with the investment.","start_word":6004,"end_word":6184,"sentiment":"neutral","sentiment_score":0.051290471106767654},{"text":"They can perform quite well.","start_word":6185,"end_word":6189,"sentiment":"positive","sentiment_score":0.5290775299072266},{"text":"It's just we found a cheaper way to make the investment work for you. The What more about investments the you hold iShares Asia? Sorry. where's that one? No. That's the top one there. Second Yeah. one. So there's Yeah. there's nothing wrong with that. We're just removing that essentially out of the portfolio because if you look at the very bottom of Vanguard or WorldX US investment, that's encompassing the entire globe minus The US market. So we can remove the iShares Asia exposure out of that because you have that in this Vanguard or World Index. It's essentially taking away a lot of the different investments that might cost I you more to hold in your portfolio and incorporating them into one investment so that you're still getting diversification and helping to lower the risk level, but it's see. making it cheaper for your funds because the more investments you hold, the more you pay in investment fees. Those investment fees are paid out to the investment managers, as they make money off that.","start_word":6190,"end_word":6365,"sentiment":"neutral","sentiment_score":0.09400464973243122},{"text":"So instead of holding 20 different investments, we try to look at a way of holding maybe six, seven, or eight different investment options that give you diversification that are doing really well, but it also, hopefully, lower cost for you so that you're paying less fees out of your super and keeping more money invested for your for your retirement, for your growth, if that makes sense.","start_word":6366,"end_word":6433,"sentiment":"positive","sentiment_score":0.4868201911449432},{"text":"Okay. Yeah. The other thing there, the physical gold and silver, look, we're keeping gold in the portfolio.","start_word":6434,"end_word":6451,"sentiment":"neutral","sentiment_score":0.15452930331230164},{"text":"It has done very well.","start_word":6452,"end_word":6456,"sentiment":"positive","sentiment_score":0.48603567481040955},{"text":"We wanna hold that there. You wanna hold about 10% within this sort of portfolio. Physical gold essentially is an alternative investment, so it's technically growth. It gets growth. It doesn't produce any kinda income, but it can act defensively. So if you think about physical gold and think back to times when the markets have gone, you know, down significantly, like the GFC or even 2020, people take money out of other investments and put it into gold. So it can be a bit of a safe haven at certain times as well. So gold can act defensively at certain times, but it is a growth asset. We are looking to keep that in there. It is fine.","start_word":6457,"end_word":6575,"sentiment":"neutral","sentiment_score":0.17233988642692566},{"text":"It is a good investment to keep. It is at a thirty year high, but it will, you know, essentially will continue to grow. We still love it.","start_word":6576,"end_word":6603,"sentiment":"positive","sentiment_score":0.4508374333381653},{"text":"I know I still love a bit of physical gold.","start_word":6604,"end_word":6613,"sentiment":"neutral","sentiment_score":0.2376740574836731},{"text":"I love wearing gold too.","start_word":6614,"end_word":6618,"sentiment":"positive","sentiment_score":0.3500080108642578},{"text":"And then you've also got the physical silver in there. We are removing that from your portfolio. It hasn't been performing as we sort of liked it to. It has taken a bit of a better because of, obviously, high inflationary rates. So we are just looking to remove the physical silver out of the portfolio and keep that physical gold in there. Okay. And then you've got adding in the Japanese exposure. Just a little bit of 5% there just because the all world doesn't have as much exposure to Japan, and it has been a really good place to see growth over the past sort of twelve months. And then the all world ex US. So that's giving you exposure to the entire globe minus The US market, and that's because above, we're holding 30% of the S and P 500. And then as I kinda mentioned before, we're removing the the Vanguard diversified index and the Vanguard fixed interest index, but we still wanna hold defensive investments like cash, bonds, and fixed interest. And so the bottom one, the core composite bonds, that's giving you exposure to both government and corporate bonds and also notes and other, you know, cash investments, essentially. So keeping that is giving you a little bit of a defensive component.","start_word":6619,"end_word":6836,"sentiment":"neutral","sentiment_score":0.09750742711331868},{"text":"Bonds are good. They essentially pay regular income payments.","start_word":6837,"end_word":6845,"sentiment":"positive","sentiment_score":0.4135751128196716},{"text":"Think of a bond a bit like a term deposit. You're putting that money into the investment there, and then you're getting regular income payments out on a monthly or a regular basis. At the end of the term, you get your capital back as well, and it can be reinvested.","start_word":6846,"end_word":6896,"sentiment":"neutral","sentiment_score":0.29702526330947876},{"text":"So bonds work the same way term deposits do, and they're really good for income producing.","start_word":6897,"end_word":6912,"sentiment":"positive","sentiment_score":0.5558762550354004},{"text":"And even at your stage, we still wanna have income. We still want the income that's generated from these sorts of investments and a lot of those other investments which are exchange traded funds or ETFs. They will generate dividends that'll be paid in some quarterly, some yearly, some biannually. That money will be redistributed into your cash account and re then reinvested back in the portfolio for you to assist with compounding. K. Yeah. Does that make sense? It is a lot, and I'm very sorry. It's a lot, but so so Yeah. I No. wanted It's to good. make sure that you yeah. So it is very different, and I know the the returns haven't been you know, aren't showing as great in the projection table, and that's also kind of reflective of the market as a whole. But even if it's, you know, a less than 1% difference in the market, If we can make your super work as hard as possible, absolutely great. If you decide to take these changes on, we make the changes within the super fund. And then in six months' time since February, we catch up again.","start_word":6913,"end_word":7107,"sentiment":"neutral","sentiment_score":0.11708716303110124},{"text":"And we just check to see how that's working in your super fund. I'm even happy if you like to send you a report or maybe catch up with you before February to sort of see how those changes are reflected if they're working in your super.","start_word":7108,"end_word":7154,"sentiment":"positive","sentiment_score":0.5844916105270386},{"text":"And if they're not, then we can look at what else we can do and what more changes we might need to make in those investments. Does that make sense? Yeah. Okay. Okay. Sorry. Tell me, if this when this goes ahead and I reach 60, where is Beautiful. that table Mhmm. now? That one was back on '23. Okay. So at 60 alright. And let's say Mhmm. this goes according to plan and then we Mhmm. reach that value of 398,000. What happens at 60? Do I take everything out, or does it get take taken does it pay out bit by bit as monthly living expenses, and how much would that be? That's completely up to you with that time frame. So, essentially, when you get to retirement and the way I work out the retirement strategies with majority of my clients is when you get to the year you're ready to retire, we'll have that conversation. We'll talk about what you're actually needing to live on. So up until the point that you actually retire, we sort of work on a base goal. You've sort of said 1,500 per week at the moment, but that could definitely change. Inflation could change that. The cost of living could change for you. You might need more and or less money. I tend to, for anyone who doesn't actually know how much they need to live on when we get to that point, do a budget planner with them so we can assess their living expenses in detail. At 60, if you fully retire, you can access all of your money within Sleepy. You can take it as a lump sum, or you can leave it invested and just be drawing out smaller regular lump sums realistically if you would like it to sort of last as long as possible and keep it growing. Having it invested in super does work out better because you keep that fund the funds invested as such, probably in a more conservative portfolio, and then withdrawing smaller amounts out of super on a regular basis. It can be weekly, fortnightly, monthly, however you need those funds to be drawn.","start_word":7155,"end_word":7519,"sentiment":"neutral","sentiment_score":0.09403130375359156},{"text":"And then the rest of the money stays invested in the portfolio working as long as it possibly can.","start_word":7520,"end_word":7538,"sentiment":"positive","sentiment_score":0.3500198423862457},{"text":"It gets From taxed six there, doesn't it? no. Well, It doesn't? no. So no. So at the moment, it does because you're in the accumulation phase. You're accumulating that wealth. Yeah. However, when you get into pension phase, when you fully retire, you move into the pension phase. And inside pension phase, there is no income tax. There is no capital gains tax. There is no income tax on the drawdowns that you make from super.","start_word":7539,"end_word":7615,"sentiment":"neutral","sentiment_score":0.08294250071048737},{"text":"You will be able to take money as regularly as you like, have ad hoc lump sums whenever you like.","start_word":7616,"end_word":7635,"sentiment":"positive","sentiment_score":0.5478333830833435},{"text":"And in that pension phase, we can switch investments in ultra portfolios without any there's no capital gains consequences and no income tax consequences on the income that is generated from the from the funds.","start_word":7636,"end_word":7670,"sentiment":"neutral","sentiment_score":0.3237015902996063},{"text":"So keeping it in that pension phase when you get to 60 and fully retire is very much a tax sheltered environment, unlike most things now.","start_word":7671,"end_word":7696,"sentiment":"positive","sentiment_score":0.39936989545822144},{"text":"Okay. Alright.","start_word":7697,"end_word":7698,"sentiment":"neutral","sentiment_score":0.2823394536972046},{"text":"Yeah. Very nice, isn't it? One of the good things that I've had, all day today. Yeah.","start_word":7699,"end_word":7715,"sentiment":"positive","sentiment_score":0.6649749279022217},{"text":"Okay.","start_word":7716,"end_word":7716,"sentiment":"neutral","sentiment_score":0.3320330083370209},{"text":"Yeah. It's alright. Yeah. So there's some things to look forward to. There's some things that we can do there.","start_word":7717,"end_word":7736,"sentiment":"positive","sentiment_score":0.4610641598701477},{"text":"And, admittedly, between 60 to 67, it is about making sure that you can draw down that income, essentially. When you get to 67, we can look at what your age pension entitlement is, have a look at what you're eligible for, and then draw back to draw less out of super to complement the age pension so that your super and the age pension can hopefully last as long as possible.","start_word":7737,"end_word":7808,"sentiment":"neutral","sentiment_score":0.27706584334373474},{"text":"But one of the things we do just wanna make sure we do is start by making these changes. I am encouraging you to do that salary sacrifice where possible.","start_word":7809,"end_word":7838,"sentiment":"positive","sentiment_score":0.4317181408405304},{"text":"If you look at that $50 on a monthly basis, it is just $12.50 per week. So starting off smaller. But if you can think about the compounding effect, putting $12. 50 on a weekly basis into your super now, rather than waiting for five or ten years and starting it down the track, it has a greater chance of growing and compounding. Whereas if we leave it and do it in ten years' time, No. essentially, the the compounding effect doesn't have as greater turnaround. It doesn't grow as much, essentially. So Yes. it is difficult, and I know with your circumstances, you are only working part time, so you can think about whether you're comfortable to do so. If you decide you don't want to take on the the recommendations with the salary sacrifice on the last page of the document, there is a little multi line box. In that box, you just outline what you do not wish to take on board as part of the advice. And what But page I am gonna is that? ink that's on the very last page. Let me just go down the bottom for you. I can tell you what page it is. It should be page number forty forty four. It's above the signing section. Forty three forty four. When you cross Yep. out what what are you talking about? So page number 44, you've got the please sign the box below. Above that, there should be a box, and it should have a multiline in it. Oh, how to implement our advise? That one? No. It should be the next page. It's on 44 on my document. Is it 45 on yours? Oh, 45? It might have added an extra page to the document. Sometimes having electronic signatures does that. I mean, I see But the mine signature bit. That's the big yeah. box. Above that, there should be a big box. It should say multiline, or should it be a text box above that? Yeah. Yep. There's a multiline box. Yeah. Yeah. So that's the one. So if you decide you don't wish to take on the advice for the salary sacrifice or any part of the advice you choose not to take on board, you just write that in that box. Okay. Summary, Yeah. sacrificing. I'm not actually taking the $50 before tax, you know, from my So salary sacrificing means that the employer. the deduction is made pretax. So the employer contributions and the salary sacrifice are taken out of your income before they calculate the income tax. Yeah. But then then I have to get authority from my employer first for that?","start_word":7839,"end_word":8285,"sentiment":"neutral","sentiment_score":-0.03326984653270218},{"text":"Most of them are quite happy to do so.","start_word":8286,"end_word":8294,"sentiment":"positive","sentiment_score":0.6104564070701599},{"text":"You if your employer says they're not willing to salary sacrifice, then that'll be another story. We can always look at it as a deductible contribution where you transfer it from your bank account, and we just claim a notice of intent for that at the end of the year.","start_word":8295,"end_word":8344,"sentiment":"neutral","sentiment_score":0.08532077819108963},{"text":"Has a very similar effect. It's just a little bit more work there, but it can definitely be done. But most employers are paying your contributions. They're more than happy just to increase that contribution and add the extra in there and do it as a salary sacrifice contribution.","start_word":8345,"end_word":8393,"sentiment":"positive","sentiment_score":0.47153419256210327},{"text":"Oh, do you mean so instead of paying the 12 into the super account as that's the standard, you know, super contributions from an employer, they add on an Mhmm. extra $50 and they and Yes. they add everything into the super. So it's it's Yes. not coming out of my pay. Is that what you mean? It comes out of Well, your pay, yeah, but it it does comes come out of my pay, but, like, yeah. it they do it for me. Is that what you Yes. mean? Yes.","start_word":8394,"end_word":8484,"sentiment":"neutral","sentiment_score":0.1141057163476944},{"text":"Correct. And that's why I recommended a salary sacrifice.","start_word":8485,"end_word":8493,"sentiment":"positive","sentiment_score":0.33749261498451233},{"text":"So you don't have to do that every week. Your employer just takes it out of the the $12.50 every week out of your income, the same as he does with your employer contributions, and just transfers it straight into your super fund. Yeah. How do I organize that? Like, how do I Oh, easy. We'll just give you a letter. It'll have all the information attached. You just hand that to your employer, and they can organize that with your normal employment contributions. But we'll have a letter prefilled for you with all the information that you can just send to them or hand to them to make it easier on you. Yeah. Okay. I didn't know I could do that. That's okay. Not Okay. everybody does. Okay. Okay. Alright. Yeah. Okay. I see. I see. I see. Yeah. So, look, essentially, we've outlined majority of the recommendations there. You have the sections. There is a lot more detail in the than what I've gone through. I do kinda hit on the points that we need to to make sure you've got the information there. But, essentially, as you take some time, you're welcome to go back and have a read through the document, read through the individual sections to sort of, you know, go through the recommendations, the advantages, the disadvantages, the risks involved, the things like that.","start_word":8494,"end_word":8723,"sentiment":"neutral","sentiment_score":0.17032484645428864},{"text":"If you find you have additional questions, you're welcome to come back and ask me.","start_word":8724,"end_word":8738,"sentiment":"positive","sentiment_score":0.3705675005912781},{"text":"But reading it through can sometimes be a little bit clarifying for you as well. I know sometimes I'm taking you through the sections with all the numbers and the bits and pieces, and it can be a lot to go through. And I'm talking at you at the same time. So taking some time to go back and have a read through the document yourself, maybe make yourself cup of tea or a coffee and go through it all page by page, and then let me know if you do happen to have any questions in regard to it. Okay? Actually, I just have a quick one. What's your, Absolutely. remuneration? Can you explain that bit? Absolutely. That was probably the next part to go through. Essentially, so with the remuneration side of things, that outlines the fees that we are paid for any recommendations that we essentially make there. So there's no upfront implementation fees for the advice. All part of you paying the ongoing service fee. That way we we provide the advice to you as part of that. However, the ongoing remuneration so the ongoing service fee is how much you pay for our ongoing services. So the 1.65 per annum, which is that's the yearly fee. The fee comes out of your super fund on a monthly basis in smaller increments there. The insurance fee. So because Neos is your insurance provider, they pay us ongoing remuneration every year for the policy. So whenever it goes through renewal, we receive 22% ongoing for the policy. That has Is that zero the effect.","start_word":8739,"end_word":9005,"sentiment":"neutral","sentiment_score":0.14001518487930298},{"text":"Yes, sir. You're right.","start_word":9006,"end_word":9009,"sentiment":"positive","sentiment_score":0.4021742939949035},{"text":"There you go. is that is that different to what's currently set up at the moment? It's always been 22%, or is it only with the new fund at No. 20 No, 2%? sir. Yeah. No. There's always been that way. So with Okay. insurance providers, advisers do receive ongoing and upfront remuneration for the insurance products that they write with Neos. And every insurer, it's all legislated to be exactly the same. So we we received 66% of the first year's premium and 22% there ongoing. That, however, should have no and does have no effect on our recommendations. We're retaining the insurances that you have because you are currently on a claim.","start_word":9010,"end_word":9123,"sentiment":"neutral","sentiment_score":0.004368970899744646},{"text":"You're happy with the life and TPD policy that you hold, and you're currently claiming the income protection policy. So it does mean that retaining is the best option for you. It's in your best interest to do so currently.","start_word":9124,"end_word":9163,"sentiment":"positive","sentiment_score":0.4074711799621582},{"text":"If later down the track, the insurances are too expensive, don't meet your needs and need to be altered, we will do that with you, but we will make sure it meets your goal. We'll talk about what you wanna cover, the level of cover you're happy with, what the cost of that looks like, and how it affects you. And the the ongoing remuneration is how much the insurer pays us. It doesn't it's not paid by you in any way. It's paid by the insurer to us, and we have a duty to make sure we disclose this information to you. So that's why we have the remuneration page, and it outlines all the remuneration that we receive. All of this is received by Okview Financial, not by me personally. I get paid a wage, so it doesn't you know, I provide advice to make sure I'm helping you to get your super working harder and meeting your goals and working towards your retirement goals, but I do not get paid a commission for any of it. I get paid a wage. I work an hourly rate, and I get paid a wage for what I do.","start_word":9164,"end_word":9362,"sentiment":"neutral","sentiment_score":0.04877227544784546},{"text":"So this is all paid to Oakview Financial, and it's all disclosed there nice and clear there for you.","start_word":9363,"end_word":9381,"sentiment":"positive","sentiment_score":0.3669283390045166},{"text":"Okay? Alright. Yeah. Easy.","start_word":9382,"end_word":9385,"sentiment":"neutral","sentiment_score":0.21773608028888705},{"text":"Beautiful.","start_word":9386,"end_word":9386,"sentiment":"positive","sentiment_score":0.7668706178665161},{"text":"Do you have any other questions at the moment? Have I answered everything you know, okay? Has it kinda made sense thus far? Yeah. At the moment, it's fine. Yeah.","start_word":9387,"end_word":9416,"sentiment":"neutral","sentiment_score":0.17820562422275543},{"text":"That's okay.","start_word":9417,"end_word":9418,"sentiment":"positive","sentiment_score":0.3353143036365509},{"text":"Yep.","start_word":9419,"end_word":9419,"sentiment":"neutral","sentiment_score":0.2830098867416382},{"text":"That's okay.","start_word":9420,"end_word":9421,"sentiment":"positive","sentiment_score":0.3557896912097931},{"text":"You will see in there as well with the estate planning side of things that I have made the recommendations around setting up a will and a power of attorney. We don't do that. We can refer you to a solicitor, or if you have a local attorney or a solicitor you're comfortable talking to to seek those services. The other options are as as I kinda mentioned last time, I sent that email after the call with the estate planning side of things. Just making sure those things are updated and reflective of your personal circumstances is very important. Your beneficiaries cover your life insurance and your super, but they don't cover everything else that you've got there. So it's important to make sure that everything is covered and that it is provided as per your wishes on on passing or, you know, hope nothing ever happens. It's one of those Yeah. things. It's like the insurance that you cover yourself in the you know, in case something was to happen. There might only Yep. be a very small chance that something occurs, but making sure you have those protections in place is really important for you. Okay? Yep. Okay. The other thing I just wanted to also show you is we kinda talked earlier. I've scoped in the insurance aspect to know that we're retaining all your insurance covers currently, but there is an effect. And I kinda talked about before how we know that there's an effect on your retirement outcome because you pay insurances out of your super. If you can go to page 31 for me, there's a little table I just wanted to sort of run you through as well. 21. Yep. Yep. So on the bottom of that page, you have a heading called outcomes, and underneath that, there is a little projection Yep. Yeah. So with this table here, you've got the exact same as what's in the above projection table, the current and the recommended. That's exactly the same. The last column is the difference, and that's essentially showing you if you had no insurance premiums being deducted out of your super with the recommended changes that we've got in the advice that you could end up over the next five to ten years with more super inside your account.","start_word":9422,"end_word":9810,"sentiment":"neutral","sentiment_score":0.11977590578380772},{"text":"So this is essentially showing you that we know and we understand that insurance premiums coming out of your super do have an effect on your retirement income, because it does reduce the amount that you have five super at the end of the day.","start_word":9811,"end_word":9855,"sentiment":"positive","sentiment_score":0.34423795342445374},{"text":"So this is showing you the overall impact that we've assessed, but I don't No want insurance. you to take So yeah. what do you mean If by you no insurance premium taken out from my super? Well, how would Sorry. you The pay the insurance premium then? well, that's the thing. This is not telling you to cancel the insurances in any way, shape, or form. It's just showing you the effect. So if you didn't have insurance payment and some people pay their insurance premiums out of their back pocket, which is absolutely fine. But this is just showing you the overall effect. So when you pay the insurance premiums inside of Super, it does lower the overall expected retirement income. This is just showing you the effect of the current versus the recommended or if you had no insurance premiums being paid out of your super. It's something we have to note that is an effect because your insurance premiums will get more expensive over time. They will have a greater effect on your super, but we just have to be able to sort of show you that, you know, having having insurance premiums paid out of your super means that you have that level of cover, but you don't have to pay the premiums out of your back pocket. But it means that over the next five to ten to fifteen years, you could end up with less in your super than what you would have if you did not pay for those insurance premiums. This is not in any way saying you should cancel the insurance premiums. It's just showing you the long term effect based on where you currently are, the recommended, and, obviously, not having insurance premiums paid out of your super. It's just an So effect what's we the have to alternative, kinda go ma'am? through and show you. No. This it's not saying you have to cancel. It's not saying you should. It's just showing you the outcome if you were to not. It's like an alternative. If you didn't have insurance premiums, this is the projected outcome that you could see. It's, you know, just something we have to note. It's kind of it's Yeah. all sort of in the legislative side of things that because we have insurance paid out of super, we have to show you the difference if you didn't show have the insurance premiums paid out of super. But, look, I pay my insurances out of super. I know that over the next, you know, ten to fifteen years, I'm probably gonna be about $40,000 less because of that. And I understand that, and I'm comfortable with that. So it's just about making sure that you're fully informed and that we show you the alternatives and the projected expected impact of your super with the insurance premiums that you do have, if that makes sense. It's a little bit I see. confusing, and I get that, But we it's just making sure that we're touching the points that we do have to and showing you the alternative. Does that make sense? Yep. Yeah. Yep.","start_word":9856,"end_word":10383,"sentiment":"neutral","sentiment_score":0.05244208834218708},{"text":"All good. All good.","start_word":10384,"end_word":10387,"sentiment":"positive","sentiment_score":0.3785826563835144},{"text":"I know I've gone through a lot, and I'm so sorry. It can definitely be a lot to go through. You've asked a lot of questions. Is there any other questions that might sorta come into mind at the moment that you might have? Alright. Not at the moment. No. That's okay. I would suggest if you just take some time to read it through, go through the different sections. Actually, Yeah. Of course. in that table above, Yeah. life insured, why does it go Sharon Carey on this? Is that an example? Oh, that's a that's an error. Let me sorry. I'll go back and have that one rectified for you, and And we'll and send the it previous back out. page as well. Yeah. Sorry about that. That's a small error. We'll go back in and just have that changed and send it back to you. Okay. Sorry about that.","start_word":10388,"end_word":10539,"sentiment":"neutral","sentiment_score":-0.07179433852434158},{"text":"It's all good.","start_word":10540,"end_word":10542,"sentiment":"positive","sentiment_score":0.7540441751480103},{"text":"It's just a it's we pull it sort of pull it out of the template. It should just be updated with your name, essentially. So we'll just go back and have that rectified and resend the document to you. So it'll come through very shortly. When it comes through, you'll be able to take some time there, Catherine, just to read it through. Take some time to take it in. It might be a little bit clearer to you once you've kind of taken some time to read it over as well, and let me know if you do happen to have any questions. Okay? Okay. Alright. No worries. Easy. That's okay. Is there any other questions that might have come to mind at the moment at all? No worries. That's it. No. That's all good? Yep.","start_word":10543,"end_word":10679,"sentiment":"neutral","sentiment_score":0.1691335886716843},{"text":"All good. Beautiful. Fantastic. Well, thank you so much for your time today. Hopefully, you've got a restful afternoon.","start_word":10680,"end_word":10698,"sentiment":"positive","sentiment_score":0.4804525673389435},{"text":"You still got a bit of work to do today? Or Yeah. I do. Yeah. yeah.","start_word":10699,"end_word":10714,"sentiment":"neutral","sentiment_score":0.110629104077816},{"text":"Well, hopefully, you enjoy the rest of your day, and I'll talk to you very soon.","start_word":10715,"end_word":10730,"sentiment":"positive","sentiment_score":0.387934684753418},{"text":"Okay. Thank you. I'll wait for that document before I sign it. Yeah. Not a problem at all.","start_word":10731,"end_word":10748,"sentiment":"neutral","sentiment_score":0.17728543281555176},{"text":"Thank you so much for that. You have a good afternoon, and thank you for taking my call.","start_word":10749,"end_word":10766,"sentiment":"positive","sentiment_score":0.5940359234809875},{"text":"Okay. No worries. Thanks. See See you. you later. Bye. Bye.","start_word":10767,"end_word":10777,"sentiment":"neutral","sentiment_score":0.14333264529705048}],"average":{"sentiment":"neutral","sentiment_score":0.08004601702694814}}}}