{"metadata":{"transaction_key":"deprecated","request_id":"019e1ac3-d9a4-7690-a4eb-53b74d95da4d","sha256":"4e176a723bf1d394372f0aae6d020f6f5b81928570e7a04e2447798a1da3e5f1","created":"2026-05-12T05:58:25.592Z","duration":1550.664,"channels":2,"models":["c0dd532d-9b09-484d-a717-be8b6fd1bb8c"],"model_info":{"c0dd532d-9b09-484d-a717-be8b6fd1bb8c":{"name":"2-phonecall-nova","version":"2024-02-07.8919","arch":"nova-2"}},"summary_info":{"model_uuid":"67875a7f-c9c4-48a0-aa55-5bdb8a91c34a","input_tokens":4787,"output_tokens":96},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5230,"output_tokens":5241},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5230,"output_tokens":660}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, mister Subaraman. It's Tommy here, senior adviser from. How are you doing? Man, living the dream. It's been a fantastic day. How about yours? Can't complain. Fair enough. Good, mate. Good. I've got this annual review. Oh, sorry? Perfect. Awesome. I appreciate that. And how much time do I have with you today? I won't take up too much, but just so I know. That's perfect. Now I'm gonna shoot through your annual review pack to your email. Do you mind if I just double check a quick security check with you, sir? Cool. I've got the call recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105. Could I please confirm your date of birth and address? Mhmm. Perfect. Now will you be able to look on to this email that I'm sending through to you today, or should I just walk you through what's coming through? Yep. No worries. Now is there anything in particular that you're looking for for this review, sir? Yep. Absolutely. So what I'll do today, we'll go through your super performance and I'll talk to you about SMSF. I will just need to double check your details that we have on file because we have a new system. Just wanna see if anything changed in your life and just touch on your insurances briefly and your beneficiaries, and that's pretty much it. Now what I've got coming through to you first is a performance update from NetWell. Now I had a bit of a look at your portfolio because we've made some changes recently. The good news is do you you remember you're, like, in a high growth portfolio mostly in, like, shares, property, gold? Does that ring a bell? Okay. So the way I see your portfolio is you're pretty much in what we call like a high risk. So all of your money is in growth assets like shares and gold and property, and the whole point there is to get the high return. Once you've got your your million dollars, when you're closer to retirement, we can obviously protect it because you probably don't wanna be high risk at age 64 and you lose half your throughput. Do you know what I mean? Yep. Now it is still positive for the year. I'm looking at all of the year's returns. You had it go up 20%, 16%, 16%, and this year it's up about 1%. The stock market, it went up 10% Christmas time, and then it came back down. So it's pretty well flat at the moment. Now your balance, if that makes sense, you're with 215,000 a year ago, and you're sitting at 231,000 now. Cool? Now that's mainly, obviously, because of your contributions are really good from what. And one thing that I have to let you know is that all of the investment options that you've got, they've been performing really good. You you had your gold go up 22%. Your American shares up 16%. Everything's looking really good. There was one option in Christmas time that did really bad out of the eight that you have, and that was the Australian shares that you have in Bennelong. Now that went down pretty heavily around Christmas about 16%. So one thing that we did normally, when I do a review with you, we would discuss maybe doing some changes we need to, but we made a licensee decision across all clients in Netwealth because this funds was doing a lot worse than the Australian market, and it wasn't picking back up again. So we actually switched that out across all clients about two months ago, and it's gone back into the positive now. Okay. How does that sound for you so far? Yep. Now one of the things I was looking at was your original advice from Sevvy in 2020. We had you trying to get to around about 209,000 by this year, and you're sitting at 231,000. So you're still above where we were projecting originally as well back in 2020. Yes. Correct. Okay. Now one thing I wanna check with you is the general plan for you, we had you wanting to retire around about age 65. You can access your super at 60. That's your preservation age. Are you wanting to retire as early as possible, or is 65 still your goal? Yep. So one thing that I kind of look at there is if that's still about twenty years away, normal market fluctuation cycles around about seven years. So that kind of gives us about fourteen years to get as much growth as possible. And in the last six years, we have to slowly protect it. So instead of having all your money in shares, gold, and property, in the last six years, we've reduced it down to, like, 90%, eighty, seventy, 60. Yes. So everything is currently invested. And when your contributions come in from work, we spread them between all the different investment options. So it's kind of like a a dollar cost averaging strategy. So if the market goes up or down, every month your contributions come in and we can keep buying in all those different assets. Okay. So I just wanna Yes. And when you get to that that age, maybe 55, 56, or a little bit older, we put more into fixed interest like bonds and term deposits for safer returns more and more as you get to those last few years. Okay. Now are you comfortable with that kind of high growth approach still at the moment? Yep. Now yeah. And one of the things I've got to kind of warn is that with everything going on in the market, it's gonna go up and down a lot this year and because returns for super, it's a percentage base. So if you go up or down 10% because of your balance, it's gonna go up or down $2,030,000 dollars every couple of months. Now when you get closer to retirement, once you build up 500,000, it's gonna be going up and down 50,000 a year. And when you get 700,000, it's gonna be going up $7,080,000 dollars a year. So the bigger your balance, the more it's gonna swing compared to what you're putting in as contributions. Yeah. Yeah. So as it stands currently with your investments and your contribution, you should still be able to clear about a million dollars pretty comfortably. Yep. And what that means yeah. Go ahead. When you've got a million there and you've got your pension account, you can pull out, say, 5% deliver, which I think we had your goal at around about 900 to $1,000 a week with your mortgage paid off. And what that means is if you only pull out, say, 50,000 a year in today's dollars, it means that by the end of, let's say, when you're 90 or 100 years old, you should still have seven or eight hundred thousand dollars there to pass on to the family as a bit of a legacy. Yeah. Great question. So I'm still think I'm still predicting the million dollars when we get to the point of age 56, maybe 57, and then that's when we're gonna reduce it down to, like, 80%, 60%, fifty, forty over a six year period. And so it'll still grow a little bit, so maybe the 1.2, 1.3 depending. Yeah. About 10 to 12. Yeah. So correct. This is kind of your period where everyone hits 45, 46, and you've got really good income. And going from that 250,000 up to the million really happens between age 45 and 56, and then you've got to protect it. Okay? Now I don't think you need to put any extra in. You don't need to do any salary sacrifice or anything. You can if you want to. It's a little bit but you have to modify the call for about getting investment properties and things like that. Well so for the self managed super fund, what you've essentially gotta do is find out kind of what properties you're looking to buy. And will you be using any super with your partner or just be your super? Okay. So normally, the minimum to buy the investment property using the super, you wanna have about 250, 260,000 because the deposits are a lot bigger for loading to a super fund. Now once you do that so to do a self managed super fund, you usually use an accountant, and they set up a trust fund in the company to set up your own super. And then you you basically put in place a bank account to put all the money into, and from that bank account, you go and do a loan to buy the property, which needs another trust fund and another company. So you've got to set up two trust funds and two companies, that's $5,000. And then the advice to do the property and investing everything else, that's probably another 4,500 from the advisers. So accountant charges to set up all of the trust in company, and the adviser charges to set up the bank account, the strategy, and the investment account for your new super fund. Yeah. Outside of anything for a property cost. Like, you know, when you go to buy a property, it's a stamp duty or or real estate fees and things like that. It's about 10,000 for the cost of the accounts within the adviser. Yeah. Minimum $2.50. And if you're doing it just by yourself on your own contributions, probably more towards about $2.80 or 300 depending on how big of a property you wanna buy. Because it's gonna be a new property because you can't buy an old one and renovate it. So it has to be kind of like a new property. Probably in about one year's time, would be looking pretty good. Now I'll just write this down so it's on your goals in your file. But are you thinking of getting an investment property personal and in super, like getting two? Yeah. Yeah. Yep. Yeah. Yes. Yep. No. That's fair enough. Yep. Yeah. And, also, I need to see what happens with the the federal budget tonight because of all the changes to capital gains tax and everything is gonna impact both the properties and superannuation. So we're gonna kind of research that as well. Cool. Now can I just double check a couple of your details there, and then I'll just go through your insurances, and that should be pretty much it? Now with your estate planning, your partner was listed as your beneficiary for your super, and I'm just double checking if you wanted her still to receive the super and the life insurance if you passed away. Yep. Did you put Yeah. That's right. Okay. Cool. And are you thinking of putting in place a a will or a power of attorney at some point or a little bit later? Yep. With your occupation, are you still senior architect for TPG? Yep. And about 180,000? Yep. And I think we said you're putting away, hopefully, trying to save about $1,000 a month? Yep. And with your assets, your property last check was valued at 1,000,000 with $750,000 loan. Is that pretty close? Yep. And I think the only other assets you had was the two cars, which was the Kia and the Hyundai. Okay. The only thing I need to note down, sir, is do you have anything put aside in savings at the moment or, like, emergency fund? So can I just put out an estimate? Is it, like, 5,000, 10,000, 20,000 for emergency savings? Amazing. Alright. So that's doing fantastic. So outside of paying down the mortgage, growing the super, maybe getting an investment property, anything else for gold for you guys? No. It's okay. With the your goals, we had you listing down to retire at 65, pay off the mortgage, maybe get an investment property. Anything else you wanna do? No. Simple. Pay off everything. Live happy. Be healthy. Yep. Perfect. Alright. So last couple of things. I just wanna double check with your insurances. You've got the tower insurance. I've sent you a certificate of currency so you know what you have. It's $1,300,000 of life insurance and disability insurance, which is to pay off the mortgage and get you four years worth of income replacement. Now it's not too expensive. It's only about a couple of grand coming out of the super, and you've also got your income protection. Now your income protection, if you're out of work for more than one month, it'll pay you monthly income of 9,000 for five years maximum. Okay. Now because your total premiums are just around 3,400, it's getting more expensive, and your next bill is in September for tal insurance. I'm gonna keep an eye on it and make sure it doesn't jump up too high because once you're in your fifties, it'll go up, like, $6,000 very quickly. So my two two quick questions for you. Is $1,300,000 still okay for the life insurer? Yep. And for the income protection, just because your income has gone up, you could have $11,000 a month worth of cover, but you've got 9,000 a month. Is 9,000 a month still okay to pay the bill? Yep. Alright. Mate, last thing is I've in the annual review email I've sent you, there's a service agreement there. I just wanna double check. Are you still happy for Oakview to look after your super and still remain a client of ours? Okay. Now remember, the fees are 1.65%, and it's charged split into little monthly payments, and your super fund gets a 15% tax deduction for those. Now when you bring your partner on board, if you wanna do some joint super advice later, we do have a partner discount down to 1.1%. Okay? Okay. The new email is from OdooSign. When you click the button on that one, it has all the attachments at the bottom like a PDF. But when you go inside it, it'll ask you to scroll through the document, to read it all, make sure you're happy. And then when you click the little purple button, it'll put your signature on there. Okay? Yep. If you wanna draw it, you just click on the sign box and it'll let you draw it with your finger or your mouse, but otherwise, it would just stamp it. Awesome. Now outside of the catch up in a year for the investments and everything, do you want me to put in for any catch up this year? Like, every three months or six months, or you just wanna wait for the twelve months? Yep. So a bit of a catch up before Christmas. Perfect. Alright. I'll put in for six months. We'll see how the soup is going. Hopefully, it's going back up and the market's not crazy anymore. And then I'll put in a note and we can talk about the investments and the estimates that later as well. Awesome. We've just hit the half an hour mark, sir. Hopefully, I've made good time there. Do you have any questions for me? Awesome. You have a fantastic day. Thank you for your time. If you can just have a look at that email and give that a sign when you're comfortable. If not, just give us a call if you have any questions. Okay? Awesome. Have a fantastic day. I'll see you later. Thank you. 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afternoon, mister Subaraman. It's Tommy here, senior adviser from. How are you doing? Man, living the dream. It's been a fantastic day.\n\nHow about yours? Can't complain. Fair enough. Good, mate. Good.\n\nI've got this annual review. Oh, sorry? Perfect. Awesome. I appreciate that.\n\nAnd how much time do I have with you today? I won't take up too much, but just so I know. That's perfect. Now I'm gonna shoot through your annual review pack to your email. Do you mind if I just double check a quick security check with you, sir?\n\nCool. I've got the call recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105. Could I please confirm your date of birth and address? Mhmm. Perfect.\n\nNow will you be able to look on to this email that I'm sending through to you today, or should I just walk you through what's coming through? Yep. No worries. Now is there anything in particular that you're looking for for this review, sir? Yep.\n\nAbsolutely. So what I'll do today, we'll go through your super performance and I'll talk to you about SMSF. I will just need to double check your details that we have on file because we have a new system. Just wanna see if anything changed in your life and just touch on your insurances briefly and your beneficiaries, and that's pretty much it. Now what I've got coming through to you first is a performance update from NetWell.\n\nNow I had a bit of a look at your portfolio because we've made some changes recently. The good news is do you you remember you're, like, in a high growth portfolio mostly in, like, shares, property, gold? Does that ring a bell? Okay. So the way I see your portfolio is you're pretty much in what we call like a high risk.\n\nSo all of your money is in growth assets like shares and gold and property, and the whole point there is to get the high return. Once you've got your your million dollars, when you're closer to retirement, we can obviously protect it because you probably don't wanna be high risk at age 64 and you lose half your throughput. Do you know what I mean? Yep. Now it is still positive for the year.\n\nI'm looking at all of the year's returns. You had it go up 20%, 16%, 16%, and this year it's up about 1%. The stock market, it went up 10% Christmas time, and then it came back down. So it's pretty well flat at the moment. Now your balance, if that makes sense, you're with 215,000 a year ago, and you're sitting at 231,000 now.\n\nCool? Now that's mainly, obviously, because of your contributions are really good from what. And one thing that I have to let you know is that all of the investment options that you've got, they've been performing really good. You you had your gold go up 22%. Your American shares up 16%.\n\nEverything's looking really good. There was one option in Christmas time that did really bad out of the eight that you have, and that was the Australian shares that you have in Bennelong. Now that went down pretty heavily around Christmas about 16%. So one thing that we did normally, when I do a review with you, we would discuss maybe doing some changes we need to, but we made a licensee decision across all clients in Netwealth because this funds was doing a lot worse than the Australian market, and it wasn't picking back up again. So we actually switched that out across all clients about two months ago, and it's gone back into the positive now.\n\nOkay. How does that sound for you so far? Yep. Now one of the things I was looking at was your original advice from Sevvy in 2020. We had you trying to get to around about 209,000 by this year, and you're sitting at 231,000.\n\nSo you're still above where we were projecting originally as well back in 2020. Yes. Correct. Okay. Now one thing I wanna check with you is the general plan for you, we had you wanting to retire around about age 65.\n\nYou can access your super at 60. That's your preservation age. Are you wanting to retire as early as possible, or is 65 still your goal? Yep. So one thing that I kind of look at there is if that's still about twenty years away, normal market fluctuation cycles around about seven years.\n\nSo that kind of gives us about fourteen years to get as much growth as possible. And in the last six years, we have to slowly protect it. So instead of having all your money in shares, gold, and property, in the last six years, we've reduced it down to, like, 90%, eighty, seventy, 60. Yes. So everything is currently invested.\n\nAnd when your contributions come in from work, we spread them between all the different investment options. So it's kind of like a a dollar cost averaging strategy. So if the market goes up or down, every month your contributions come in and we can keep buying in all those different assets. Okay. So I just wanna Yes.\n\nAnd when you get to that that age, maybe 55, 56, or a little bit older, we put more into fixed interest like bonds and term deposits for safer returns more and more as you get to those last few years. Okay. Now are you comfortable with that kind of high growth approach still at the moment? Yep. Now yeah.\n\nAnd one of the things I've got to kind of warn is that with everything going on in the market, it's gonna go up and down a lot this year and because returns for super, it's a percentage base. So if you go up or down 10% because of your balance, it's gonna go up or down $2,030,000 dollars every couple of months. Now when you get closer to retirement, once you build up 500,000, it's gonna be going up and down 50,000 a year. And when you get 700,000, it's gonna be going up $7,080,000 dollars a year. So the bigger your balance, the more it's gonna swing compared to what you're putting in as contributions.\n\nYeah. Yeah. So as it stands currently with your investments and your contribution, you should still be able to clear about a million dollars pretty comfortably. Yep. And what that means yeah.\n\nGo ahead. When you've got a million there and you've got your pension account, you can pull out, say, 5% deliver, which I think we had your goal at around about 900 to $1,000 a week with your mortgage paid off. And what that means is if you only pull out, say, 50,000 a year in today's dollars, it means that by the end of, let's say, when you're 90 or 100 years old, you should still have seven or eight hundred thousand dollars there to pass on to the family as a bit of a legacy. Yeah. Great question.\n\nSo I'm still think I'm still predicting the million dollars when we get to the point of age 56, maybe 57, and then that's when we're gonna reduce it down to, like, 80%, 60%, fifty, forty over a six year period. And so it'll still grow a little bit, so maybe the 1.2, 1.3 depending. Yeah. About 10 to 12. Yeah.\n\nSo correct. This is kind of your period where everyone hits 45, 46, and you've got really good income. And going from that 250,000 up to the million really happens between age 45 and 56, and then you've got to protect it. Okay? Now I don't think you need to put any extra in.\n\nYou don't need to do any salary sacrifice or anything. You can if you want to. It's a little bit but you have to modify the call for about getting investment properties and things like that. Well so for the self managed super fund, what you've essentially gotta do is find out kind of what properties you're looking to buy. And will you be using any super with your partner or just be your super?\n\nOkay. So normally, the minimum to buy the investment property using the super, you wanna have about 250, 260,000 because the deposits are a lot bigger for loading to a super fund. Now once you do that so to do a self managed super fund, you usually use an accountant, and they set up a trust fund in the company to set up your own super. And then you you basically put in place a bank account to put all the money into, and from that bank account, you go and do a loan to buy the property, which needs another trust fund and another company. So you've got to set up two trust funds and two companies, that's $5,000.\n\nAnd then the advice to do the property and investing everything else, that's probably another 4,500 from the advisers. So accountant charges to set up all of the trust in company, and the adviser charges to set up the bank account, the strategy, and the investment account for your new super fund. Yeah. Outside of anything for a property cost. Like, you know, when you go to buy a property, it's a stamp duty or or real estate fees and things like that.\n\nIt's about 10,000 for the cost of the accounts within the adviser. Yeah. Minimum $2.50. And if you're doing it just by yourself on your own contributions, probably more towards about $2.80 or 300 depending on how big of a property you wanna buy. Because it's gonna be a new property because you can't buy an old one and renovate it.\n\nSo it has to be kind of like a new property. Probably in about one year's time, would be looking pretty good. Now I'll just write this down so it's on your goals in your file. But are you thinking of getting an investment property personal and in super, like getting two? Yeah.\n\nYeah. Yep. Yeah. Yes. Yep.\n\nNo. That's fair enough. Yep. Yeah. And, also, I need to see what happens with the the federal budget tonight because of all the changes to capital gains tax and everything is gonna impact both the properties and superannuation.\n\nSo we're gonna kind of research that as well. Cool. Now can I just double check a couple of your details there, and then I'll just go through your insurances, and that should be pretty much it? Now with your estate planning, your partner was listed as your beneficiary for your super, and I'm just double checking if you wanted her still to receive the super and the life insurance if you passed away. Yep.\n\nDid you put Yeah. That's right. Okay. Cool. And are you thinking of putting in place a a will or a power of attorney at some point or a little bit later?\n\nYep. With your occupation, are you still senior architect for TPG? Yep. And about 180,000? Yep.\n\nAnd I think we said you're putting away, hopefully, trying to save about $1,000 a month? Yep. And with your assets, your property last check was valued at 1,000,000 with $750,000 loan. Is that pretty close? Yep.\n\nAnd I think the only other assets you had was the two cars, which was the Kia and the Hyundai. Okay. The only thing I need to note down, sir, is do you have anything put aside in savings at the moment or, like, emergency fund? So can I just put out an estimate? Is it, like, 5,000, 10,000, 20,000 for emergency savings?\n\nAmazing. Alright. So that's doing fantastic. So outside of paying down the mortgage, growing the super, maybe getting an investment property, anything else for gold for you guys? No.\n\nIt's okay. With the your goals, we had you listing down to retire at 65, pay off the mortgage, maybe get an investment property. Anything else you wanna do? No. Simple.\n\nPay off everything. Live happy. Be healthy. Yep. Perfect.\n\nAlright. So last couple of things. I just wanna double check with your insurances. You've got the tower insurance. I've sent you a certificate of currency so you know what you have.\n\nIt's $1,300,000 of life insurance and disability insurance, which is to pay off the mortgage and get you four years worth of income replacement. Now it's not too expensive. It's only about a couple of grand coming out of the super, and you've also got your income protection. Now your income protection, if you're out of work for more than one month, it'll pay you monthly income of 9,000 for five years maximum. Okay.\n\nNow because your total premiums are just around 3,400, it's getting more expensive, and your next bill is in September for tal insurance. I'm gonna keep an eye on it and make sure it doesn't jump up too high because once you're in your fifties, it'll go up, like, $6,000 very quickly. So my two two quick questions for you. Is $1,300,000 still okay for the life insurer? Yep.\n\nAnd for the income protection, just because your income has gone up, you could have $11,000 a month worth of cover, but you've got 9,000 a month. Is 9,000 a month still okay to pay the bill? Yep. Alright. Mate, last thing is I've in the annual review email I've sent you, there's a service agreement there.\n\nI just wanna double check. Are you still happy for Oakview to look after your super and still remain a client of ours? Okay. Now remember, the fees are 1.65%, and it's charged split into little monthly payments, and your super fund gets a 15% tax deduction for those. Now when you bring your partner on board, if you wanna do some joint super advice later, we do have a partner discount down to 1.1%.\n\nOkay? Okay. The new email is from OdooSign. When you click the button on that one, it has all the attachments at the bottom like a PDF. But when you go inside it, it'll ask you to scroll through the document, to read it all, make sure you're happy.\n\nAnd then when you click the little purple button, it'll put your signature on there. Okay? Yep. If you wanna draw it, you just click on the sign box and it'll let you draw it with your finger or your mouse, but otherwise, it would just stamp it. Awesome.\n\nNow outside of the catch up in a year for the investments and everything, do you want me to put in for any catch up this year? Like, every three months or six months, or you just wanna wait for the twelve months? Yep. So a bit of a catch up before Christmas. Perfect.\n\nAlright. I'll put in for six months. We'll see how the soup is going. Hopefully, it's going back up and the market's not crazy anymore. And then I'll put in a note and we can talk about the investments and the estimates that later as well.\n\nAwesome. We've just hit the half an hour mark, sir. Hopefully, I've made good time there. Do you have any questions for me? Awesome.\n\nYou have a fantastic day. Thank you for your time. If you can just have a look at that email and give that a sign when you're comfortable. If not, just give us a call if you have any questions. Okay?\n\nAwesome. Have a fantastic day. I'll see you later. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, mister Subaraman.","start":4.3199997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2398204393684864},{"text":"It's Tommy here, senior adviser from.","start":6.3199997,"end":8.4,"sentiment":"neutral","sentiment_score":0.12570764869451523},{"text":"How are you doing?","start":8.4,"end":9.139999,"sentiment":"neutral","sentiment_score":0.14205316454172134},{"text":"Man, living the dream.","start":12.08,"end":13.12,"sentiment":"positive","sentiment_score":0.6241381466388702},{"text":"It's been a fantastic day.","start":13.12,"end":14.32,"sentiment":"positive","sentiment_score":0.7774867415428162}],"sentiment":"positive","sentiment_score":0.3767707218294558,"num_words":23,"start":4.3199997,"end":14.32},{"sentences":[{"text":"How about yours?","start":14.32,"end":15.219999,"sentiment":"positive","sentiment_score":0.48426492015520733},{"text":"Can't complain.","start":18.675,"end":19.395,"sentiment":"positive","sentiment_score":0.37474948167800903},{"text":"Fair enough.","start":19.395,"end":20.134998,"sentiment":"neutral","sentiment_score":0.16901222988963127},{"text":"Good, mate.","start":22.115,"end":22.675,"sentiment":"positive","sentiment_score":0.4021765887737274},{"text":"Good.","start":22.675,"end":23.175,"sentiment":"neutral","sentiment_score":0.30860573053359985}],"sentiment":"positive","sentiment_score":0.36532770916819574,"num_words":10,"start":14.32,"end":23.175},{"sentences":[{"text":"I've got this annual review.","start":23.715,"end":25.335,"sentiment":"neutral","sentiment_score":0.13494043946266174},{"text":"Oh, sorry?","start":25.954998,"end":26.615,"sentiment":"neutral","sentiment_score":0.07816992327570915},{"text":"Perfect.","start":33.09,"end":33.59,"sentiment":"neutral","sentiment_score":0.3255935311317444},{"text":"Awesome.","start":36.53,"end":37.03,"sentiment":"positive","sentiment_score":0.5619204044342041},{"text":"I appreciate that.","start":37.09,"end":38.05,"sentiment":"positive","sentiment_score":0.5338115890820821}],"sentiment":"neutral","sentiment_score":0.27666589555641014,"num_words":12,"start":23.715,"end":38.05},{"sentences":[{"text":"And how much time do I have with you today?","start":38.05,"end":40.29,"sentiment":"neutral","sentiment_score":0.11030768975615501},{"text":"I won't take up too much, but just so I know.","start":40.29,"end":42.675,"sentiment":"neutral","sentiment_score":0.007111620115624232},{"text":"That's perfect.","start":48.835,"end":49.715,"sentiment":"positive","sentiment_score":0.4974946081638336},{"text":"Now I'm gonna shoot through your annual review pack to your email.","start":49.715,"end":53.495,"sentiment":"neutral","sentiment_score":0.12021277472376823},{"text":"Do you mind if I just double check a quick security check with you, sir?","start":53.954998,"end":57.63,"sentiment":"neutral","sentiment_score":0.03091187501947085}],"sentiment":"neutral","sentiment_score":0.08165050714276731,"num_words":50,"start":38.05,"end":57.63},{"sentences":[{"text":"Cool.","start":59.79,"end":60.29,"sentiment":"neutral","sentiment_score":0.0980292186141014},{"text":"I've got the call recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105.","start":60.91,"end":69.25,"sentiment":"neutral","sentiment_score":0.061435672351055674},{"text":"Could I please confirm your date of birth and address?","start":69.31,"end":71.97,"sentiment":"neutral","sentiment_score":0.03392182774841786},{"text":"Mhmm.","start":76.165,"end":76.665,"sentiment":"neutral","sentiment_score":0.015005603432655334},{"text":"Perfect.","start":80.565,"end":81.045,"sentiment":"neutral","sentiment_score":0.22551581263542175}],"sentiment":"neutral","sentiment_score":0.05753583917694707,"num_words":31,"start":59.79,"end":81.045},{"sentences":[{"text":"Now will you be able to look on to this email that I'm sending through to you today, or should I just walk you through what's coming through?","start":81.045,"end":86.73,"sentiment":"neutral","sentiment_score":0.09564965830317565},{"text":"Yep.","start":91.69,"end":92.170006,"sentiment":"neutral","sentiment_score":0.05303940176963806},{"text":"No worries.","start":92.170006,"end":92.91,"sentiment":"neutral","sentiment_score":0.054184576496481895},{"text":"Now is there anything in particular that you're looking for for this review, sir?","start":93.130005,"end":97.07001,"sentiment":"neutral","sentiment_score":0.028796031405883177},{"text":"Yep.","start":129.975,"end":130.455,"sentiment":"neutral","sentiment_score":0.14509394764900208}],"sentiment":"neutral","sentiment_score":0.07364863857788884,"num_words":46,"start":81.045,"end":130.455},{"sentences":[{"text":"Absolutely.","start":130.455,"end":130.955,"sentiment":"positive","sentiment_score":0.5260685682296753},{"text":"So what I'll do today, we'll go through your super performance and I'll talk to you about SMSF.","start":131.175,"end":135.91501,"sentiment":"neutral","sentiment_score":0.18858411411444345},{"text":"I will just need to double check your details that we have on file because we have a new system.","start":137.0,"end":141.4,"sentiment":"neutral","sentiment_score":0.031322819832712415},{"text":"Just wanna see if anything changed in your life and just touch on your insurances briefly and your beneficiaries, and that's pretty much it.","start":141.4,"end":149.505,"sentiment":"neutral","sentiment_score":0.032204092014580965},{"text":"Now what I've got coming through to you first is a performance update from NetWell.","start":153.265,"end":158.565,"sentiment":"neutral","sentiment_score":0.056061761329571407}],"sentiment":"neutral","sentiment_score":0.07898543137483872,"num_words":78,"start":130.455,"end":158.565},{"sentences":[{"text":"Now I had a bit of a look at your portfolio because we've made some changes recently.","start":158.865,"end":163.685,"sentiment":"neutral","sentiment_score":0.04398603507262819},{"text":"The good news is do you you remember you're, like, in a high growth portfolio mostly in, like, shares, property, gold?","start":166.67,"end":174.19,"sentiment":"neutral","sentiment_score":0.11076249333009833},{"text":"Does that ring a bell?","start":174.19,"end":175.33,"sentiment":"neutral","sentiment_score":0.03920856192708015},{"text":"Okay.","start":179.725,"end":180.125,"sentiment":"neutral","sentiment_score":-0.05641500651836395},{"text":"So the way I see your portfolio is you're pretty much in what we call like a high risk.","start":180.125,"end":185.66501,"sentiment":"neutral","sentiment_score":-0.09778828232696182}],"sentiment":"neutral","sentiment_score":0.021514688810658832,"num_words":63,"start":158.865,"end":185.66501},{"sentences":[{"text":"So all of your money is in growth assets like shares and gold and property, and the whole point there is to get the high return.","start":185.965,"end":194.44,"sentiment":"neutral","sentiment_score":0.001838170994932835},{"text":"Once you've got your your million dollars, when you're closer to retirement, we can obviously protect it because you probably don't wanna be high risk at age 64 and you lose half your throughput.","start":194.90001,"end":204.18001,"sentiment":"neutral","sentiment_score":-0.03904972137773738},{"text":"Do you know what I mean?","start":204.18001,"end":205.245,"sentiment":"neutral","sentiment_score":-0.03395526700963577},{"text":"Yep.","start":207.165,"end":207.665,"sentiment":"neutral","sentiment_score":0.13347382843494415},{"text":"Now it is still positive for the year.","start":207.805,"end":210.845,"sentiment":"neutral","sentiment_score":0.3169847521930933}],"sentiment":"neutral","sentiment_score":0.015809628839294116,"num_words":75,"start":185.965,"end":210.845},{"sentences":[{"text":"I'm looking at all of the year's returns.","start":210.845,"end":212.94499,"sentiment":"neutral","sentiment_score":0.2089397069066763},{"text":"You had it go up 20%, 16%, 16%, and this year it's up about 1%.","start":213.405,"end":219.105,"sentiment":"neutral","sentiment_score":0.16085491428772608},{"text":"The stock market, it went up 10% Christmas time, and then it came back down.","start":219.5,"end":224.45999,"sentiment":"neutral","sentiment_score":-0.06984819397330284},{"text":"So it's pretty well flat at the moment.","start":224.45999,"end":226.31999,"sentiment":"neutral","sentiment_score":-0.20793668646365404},{"text":"Now your balance, if that makes sense, you're with 215,000 a year ago, and you're sitting at 231,000 now.","start":228.94,"end":239.17499,"sentiment":"neutral","sentiment_score":-0.036702710252843405}],"sentiment":"neutral","sentiment_score":0.010396514976253877,"num_words":65,"start":210.845,"end":239.17499},{"sentences":[{"text":"Cool?","start":243.31499,"end":243.795,"sentiment":"positive","sentiment_score":0.3518441617488861},{"text":"Now that's mainly, obviously, because of your contributions are really good from what.","start":243.795,"end":247.655,"sentiment":"positive","sentiment_score":0.4241630329678838},{"text":"And one thing that I have to let you know is that all of the investment options that you've got, they've been performing really good.","start":247.92,"end":255.45999,"sentiment":"positive","sentiment_score":0.43933653116226196},{"text":"You you had your gold go up 22%.","start":255.68,"end":258.1,"sentiment":"positive","sentiment_score":0.5443239808082581},{"text":"Your American shares up 16%.","start":258.24,"end":260.32,"sentiment":"positive","sentiment_score":0.3898423194885254}],"sentiment":"positive","sentiment_score":0.44525346756339645,"num_words":52,"start":243.31499,"end":260.32},{"sentences":[{"text":"Everything's looking really good.","start":260.32,"end":261.735,"sentiment":"positive","sentiment_score":0.6949090212583542},{"text":"There was one option in Christmas time that did really bad out of the eight that you have, and that was the Australian shares that you have in Bennelong.","start":261.895,"end":270.155,"sentiment":"neutral","sentiment_score":-0.21329684016005745},{"text":"Now that went down pretty heavily around Christmas about 16%.","start":272.69498,"end":277.49,"sentiment":"neutral","sentiment_score":-0.28458952307701113},{"text":"So one thing that we did normally, when I do a review with you, we would discuss maybe doing some changes we need to, but we made a licensee decision across all clients in Netwealth because this funds was doing a lot worse than the Australian market, and it wasn't picking back up again.","start":277.55,"end":300.45502,"sentiment":"neutral","sentiment_score":-0.25789368994258066},{"text":"So we actually switched that out across all clients about two months ago, and it's gone back into the positive now.","start":300.45502,"end":307.63998,"sentiment":"neutral","sentiment_score":-0.08824652185042699}],"sentiment":"neutral","sentiment_score":-0.18670596378081936,"num_words":118,"start":260.32,"end":307.63998},{"sentences":[{"text":"Okay.","start":310.81998,"end":311.31998,"sentiment":"neutral","sentiment_score":0.09603814780712128},{"text":"How does that sound for you so far?","start":311.53998,"end":313.24,"sentiment":"neutral","sentiment_score":0.15148273669183254},{"text":"Yep.","start":318.035,"end":318.535,"sentiment":"neutral","sentiment_score":0.12417612969875336},{"text":"Now one of the things I was looking at was your original advice from Sevvy in 2020.","start":318.595,"end":323.415,"sentiment":"neutral","sentiment_score":0.06260575726628304},{"text":"We had you trying to get to around about 209,000 by this year, and you're sitting at 231,000.","start":323.715,"end":330.21002,"sentiment":"neutral","sentiment_score":0.10782511884139644}],"sentiment":"neutral","sentiment_score":0.09860502630472183,"num_words":45,"start":310.81998,"end":330.21002},{"sentences":[{"text":"So you're still above where we were projecting originally as well back in 2020.","start":330.21002,"end":334.47,"sentiment":"neutral","sentiment_score":0.11504579761198588},{"text":"Yes.","start":348.225,"end":348.625,"sentiment":"neutral","sentiment_score":0.1139346808195114},{"text":"Correct.","start":348.625,"end":349.125,"sentiment":"neutral","sentiment_score":0.1203237771987915},{"text":"Okay.","start":352.56,"end":353.06,"sentiment":"neutral","sentiment_score":0.06490693986415863},{"text":"Now one thing I wanna check with you is the general plan for you, we had you wanting to retire around about age 65.","start":353.2,"end":359.7,"sentiment":"neutral","sentiment_score":0.03995938956116637}],"sentiment":"neutral","sentiment_score":0.06997151009556724,"num_words":41,"start":330.21002,"end":359.7},{"sentences":[{"text":"You can access your super at 60.","start":360.16,"end":362.18,"sentiment":"neutral","sentiment_score":0.06840582617691585},{"text":"That's your preservation age.","start":362.24002,"end":363.86002,"sentiment":"neutral","sentiment_score":0.057576087303459644},{"text":"Are you wanting to retire as early as possible, or is 65 still your goal?","start":363.92,"end":368.085,"sentiment":"neutral","sentiment_score":0.027945443366964657},{"text":"Yep.","start":372.405,"end":372.905,"sentiment":"neutral","sentiment_score":0.004357695579528809},{"text":"So one thing that I kind of look at there is if that's still about twenty years away, normal market fluctuation cycles around about seven years.","start":372.965,"end":382.585,"sentiment":"neutral","sentiment_score":-0.07123382547153877}],"sentiment":"neutral","sentiment_score":-0.01357349025893886,"num_words":53,"start":360.16,"end":382.585},{"sentences":[{"text":"So that kind of gives us about fourteen years to get as much growth as possible.","start":384.55,"end":389.37,"sentiment":"neutral","sentiment_score":-0.003282567486166954},{"text":"And in the last six years, we have to slowly protect it.","start":389.59,"end":393.27,"sentiment":"neutral","sentiment_score":-0.023622301251937945},{"text":"So instead of having all your money in shares, gold, and property, in the last six years, we've reduced it down to, like, 90%, eighty, seventy, 60.","start":393.27,"end":403.005,"sentiment":"neutral","sentiment_score":0.06522797317140633},{"text":"Yes.","start":426.26498,"end":426.66498,"sentiment":"neutral","sentiment_score":0.15535947680473328},{"text":"So everything is currently invested.","start":426.66498,"end":428.525,"sentiment":"neutral","sentiment_score":0.15582936108112336}],"sentiment":"neutral","sentiment_score":0.03868316168912121,"num_words":61,"start":384.55,"end":428.525},{"sentences":[{"text":"And when your contributions come in from work, we spread them between all the different investment options.","start":428.985,"end":435.245,"sentiment":"neutral","sentiment_score":0.1361624881186906},{"text":"So it's kind of like a a dollar cost averaging strategy.","start":435.5,"end":439.5,"sentiment":"neutral","sentiment_score":0.15462502566250888},{"text":"So if the market goes up or down, every month your contributions come in and we can keep buying in all those different assets.","start":439.5,"end":445.68002,"sentiment":"neutral","sentiment_score":0.13003304926678538},{"text":"Okay.","start":450.475,"end":450.875,"sentiment":"neutral","sentiment_score":0.0760703831911087},{"text":"So I just wanna Yes.","start":450.875,"end":467.69,"sentiment":"neutral","sentiment_score":0.03573502153158188}],"sentiment":"neutral","sentiment_score":0.1274340733371932,"num_words":58,"start":428.985,"end":467.69},{"sentences":[{"text":"And when you get to that that age, maybe 55, 56, or a little bit older, we put more into fixed interest like bonds and term deposits for safer returns more and more as you get to those last few years.","start":467.69,"end":483.765,"sentiment":"neutral","sentiment_score":0.10900764003759478},{"text":"Okay.","start":488.8,"end":489.3,"sentiment":"neutral","sentiment_score":0.09849518537521362},{"text":"Now are you comfortable with that kind of high growth approach still at the moment?","start":489.44,"end":494.5,"sentiment":"neutral","sentiment_score":0.17780922303597133},{"text":"Yep.","start":499.935,"end":500.415,"sentiment":"neutral","sentiment_score":0.28041398525238037},{"text":"Now yeah.","start":500.415,"end":504.73502,"sentiment":"neutral","sentiment_score":0.20155708119273186}],"sentiment":"neutral","sentiment_score":0.1319745820015669,"num_words":60,"start":467.69,"end":504.73502},{"sentences":[{"text":"And one of the things I've got to kind of warn is that with everything going on in the market, it's gonna go up and down a lot this year and because returns for super, it's a percentage base.","start":504.73502,"end":514.56,"sentiment":"neutral","sentiment_score":-0.2582160268838589},{"text":"So if you go up or down 10% because of your balance, it's gonna go up or down $2,030,000 dollars every couple of months.","start":514.94,"end":521.83997,"sentiment":"neutral","sentiment_score":-0.1993471166739861},{"text":"Now when you get closer to retirement, once you build up 500,000, it's gonna be going up and down 50,000 a year.","start":526.555,"end":534.315,"sentiment":"neutral","sentiment_score":-0.2164526009424166},{"text":"And when you get 700,000, it's gonna be going up $7,080,000 dollars a year.","start":534.315,"end":538.83,"sentiment":"positive","sentiment_score":0.34704288627420155},{"text":"So the bigger your balance, the more it's gonna swing compared to what you're putting in as contributions.","start":538.83,"end":543.57,"sentiment":"neutral","sentiment_score":0.2823628592822287}],"sentiment":"neutral","sentiment_score":-0.08269727516632813,"num_words":117,"start":504.73502,"end":543.57},{"sentences":[{"text":"Yeah.","start":561.40497,"end":561.90497,"sentiment":"neutral","sentiment_score":0.18730567395687103},{"text":"Yeah.","start":574.955,"end":575.195,"sentiment":"neutral","sentiment_score":0.27445149421691895},{"text":"So as it stands currently with your investments and your contribution, you should still be able to clear about a million dollars pretty comfortably.","start":575.195,"end":583.775,"sentiment":"positive","sentiment_score":0.4577328438560168},{"text":"Yep.","start":596.80005,"end":597.30005,"sentiment":"neutral","sentiment_score":0.2041754126548767},{"text":"And what that means yeah.","start":597.44,"end":599.60004,"sentiment":"neutral","sentiment_score":0.12057769596576691}],"sentiment":"positive","sentiment_score":0.3829502910375595,"num_words":32,"start":561.40497,"end":599.60004},{"sentences":[{"text":"Go ahead.","start":599.60004,"end":600.26,"sentiment":"neutral","sentiment_score":0.16793528944253922},{"text":"When you've got a million there and you've got your pension account, you can pull out, say, 5% deliver, which I think we had your goal at around about 900 to $1,000 a week with your mortgage paid off.","start":603.185,"end":615.18,"sentiment":"neutral","sentiment_score":0.1870097829363285},{"text":"And what that means is if you only pull out, say, 50,000 a year in today's dollars, it means that by the end of, let's say, when you're 90 or 100 years old, you should still have seven or eight hundred thousand dollars there to pass on to the family as a bit of a legacy.","start":618.38,"end":635.245,"sentiment":"neutral","sentiment_score":0.17222096824220248},{"text":"Yeah.","start":646.58,"end":647.08,"sentiment":"neutral","sentiment_score":0.07040274888277054},{"text":"Great question.","start":696.24005,"end":696.96,"sentiment":"positive","sentiment_score":0.4318583011627197}],"sentiment":"neutral","sentiment_score":0.18207745686173438,"num_words":100,"start":599.60004,"end":696.96},{"sentences":[{"text":"So I'm still think I'm still predicting the million dollars when we get to the point of age 56, maybe 57, and then that's when we're gonna reduce it down to, like, 80%, 60%, fifty, forty over a six year period.","start":696.96,"end":714.14496,"sentiment":"neutral","sentiment_score":0.06862825746988742},{"text":"And so it'll still grow a little bit, so maybe the 1.2, 1.3 depending.","start":714.285,"end":719.185,"sentiment":"neutral","sentiment_score":0.07921542732843331},{"text":"Yeah.","start":727.87,"end":728.19,"sentiment":"neutral","sentiment_score":0.016116052865982056},{"text":"About 10 to 12.","start":728.19,"end":729.49,"sentiment":"neutral","sentiment_score":0.01014368748292327},{"text":"Yeah.","start":733.485,"end":733.965,"sentiment":"neutral","sentiment_score":0.1168106198310852}],"sentiment":"neutral","sentiment_score":0.06715206494249526,"num_words":61,"start":696.96,"end":733.965},{"sentences":[{"text":"So correct.","start":733.965,"end":736.84503,"sentiment":"neutral","sentiment_score":0.2110467106103897},{"text":"This is kind of your period where everyone hits 45, 46, and you've got really good income.","start":736.84503,"end":742.305,"sentiment":"positive","sentiment_score":0.3892270887599272},{"text":"And going from that 250,000 up to the million really happens between age 45 and 56, and then you've got to protect it.","start":742.525,"end":751.17,"sentiment":"neutral","sentiment_score":0.2450471053952756},{"text":"Okay?","start":755.95,"end":756.45,"sentiment":"neutral","sentiment_score":0.07054325938224792},{"text":"Now I don't think you need to put any extra in.","start":756.51,"end":758.955,"sentiment":"neutral","sentiment_score":-0.05288700217550451}],"sentiment":"neutral","sentiment_score":0.22525599240152924,"num_words":54,"start":733.965,"end":758.955},{"sentences":[{"text":"You don't need to do any salary sacrifice or anything.","start":758.955,"end":761.59503,"sentiment":"neutral","sentiment_score":-0.07686468996107579},{"text":"You can if you want to.","start":761.59503,"end":763.135,"sentiment":"neutral","sentiment_score":0.08154209703207016},{"text":"It's a little bit but you have to modify the call for about getting investment properties and things like that.","start":763.515,"end":768.895,"sentiment":"neutral","sentiment_score":-0.02089085727930069},{"text":"Well so for the self managed super fund, what you've essentially gotta do is find out kind of what properties you're looking to buy.","start":792.605,"end":800.51,"sentiment":"neutral","sentiment_score":0.04735161977199217},{"text":"And will you be using any super with your partner or just be your super?","start":800.73004,"end":805.63,"sentiment":"neutral","sentiment_score":0.12847397153576215}],"sentiment":"neutral","sentiment_score":0.031551159794131915,"num_words":75,"start":758.955,"end":805.63},{"sentences":[{"text":"Okay.","start":808.905,"end":809.30505,"sentiment":"neutral","sentiment_score":0.1776546686887741},{"text":"So normally, the minimum to buy the investment property using the super, you wanna have about 250, 260,000 because the deposits are a lot bigger for loading to a super fund.","start":809.30505,"end":821.645,"sentiment":"neutral","sentiment_score":-0.03675093970471813},{"text":"Now once you do that so to do a self managed super fund, you usually use an accountant, and they set up a trust fund in the company to set up your own super.","start":826.69,"end":838.075,"sentiment":"neutral","sentiment_score":0.054214598391862476},{"text":"And then you you basically put in place a bank account to put all the money into, and from that bank account, you go and do a loan to buy the property, which needs another trust fund and another company.","start":838.295,"end":850.47003,"sentiment":"neutral","sentiment_score":0.015412278613075614},{"text":"So you've got to set up two trust funds and two companies, that's $5,000.","start":850.47003,"end":854.65,"sentiment":"neutral","sentiment_score":0.03487666031079633}],"sentiment":"neutral","sentiment_score":0.016553635600333412,"num_words":120,"start":808.905,"end":854.65},{"sentences":[{"text":"And then the advice to do the property and investing everything else, that's probably another 4,500 from the advisers.","start":857.59,"end":867.695,"sentiment":"neutral","sentiment_score":0.008041759236029497},{"text":"So accountant charges to set up all of the trust in company, and the adviser charges to set up the bank account, the strategy, and the investment account for your new super fund.","start":868.315,"end":878.495,"sentiment":"neutral","sentiment_score":0.020508096355831985},{"text":"Yeah.","start":896.77496,"end":897.25494,"sentiment":"neutral","sentiment_score":-0.001846160739660263},{"text":"Outside of anything for a property cost.","start":897.25494,"end":899.415,"sentiment":"neutral","sentiment_score":-0.08543409939323153},{"text":"Like, you know, when you go to buy a property, it's a stamp duty or or real estate fees and things like that.","start":899.415,"end":906.94,"sentiment":"neutral","sentiment_score":-0.08038696824856427}],"sentiment":"neutral","sentiment_score":-0.01950872916846076,"num_words":83,"start":857.59,"end":906.94},{"sentences":[{"text":"It's about 10,000 for the cost of the accounts within the adviser.","start":906.94,"end":910.48004,"sentiment":"neutral","sentiment_score":-0.04171715211123228},{"text":"Yeah.","start":925.51495,"end":925.915,"sentiment":"neutral","sentiment_score":0.018873224034905434},{"text":"Minimum $2.50.","start":925.915,"end":927.27496,"sentiment":"neutral","sentiment_score":-0.005045561119914055},{"text":"And if you're doing it just by yourself on your own contributions, probably more towards about $2.80 or 300 depending on how big of a property you wanna buy.","start":927.27496,"end":935.65,"sentiment":"neutral","sentiment_score":-0.03227247805174055},{"text":"Because it's gonna be a new property because you can't buy an old one and renovate it.","start":935.65,"end":940.13,"sentiment":"neutral","sentiment_score":-0.17014403860358632}],"sentiment":"neutral","sentiment_score":-0.07082252857870742,"num_words":61,"start":906.94,"end":940.13},{"sentences":[{"text":"So it has to be kind of like a new property.","start":940.13,"end":942.31,"sentiment":"neutral","sentiment_score":-0.11652595482089302},{"text":"Probably in about one year's time, would be looking pretty good.","start":959.44,"end":963.45996,"sentiment":"positive","sentiment_score":0.47180790792812},{"text":"Now I'll just write this down so it's on your goals in your file.","start":968.385,"end":971.825,"sentiment":"neutral","sentiment_score":0.25586356967687607},{"text":"But are you thinking of getting an investment property personal and in super, like getting two?","start":971.825,"end":977.60504,"sentiment":"neutral","sentiment_score":0.13974855793640018},{"text":"Yeah.","start":989.41003,"end":989.91003,"sentiment":"neutral","sentiment_score":-0.1285284161567688}],"sentiment":"neutral","sentiment_score":0.18108754661285653,"num_words":53,"start":940.13,"end":989.91003},{"sentences":[{"text":"Yeah.","start":1019.055,"end":1019.555,"sentiment":"neutral","sentiment_score":0.0010783299803733826},{"text":"Yep.","start":1025.4225,"end":1025.9225,"sentiment":"neutral","sentiment_score":0.07574238628149033},{"text":"Yeah.","start":1036.8301,"end":1037.3301,"sentiment":"neutral","sentiment_score":0.06607413291931152},{"text":"Yes.","start":1066.21,"end":1066.6901,"sentiment":"neutral","sentiment_score":0.11889912188053132},{"text":"Yep.","start":1066.6901,"end":1067.17,"sentiment":"neutral","sentiment_score":0.07925959676504135}],"sentiment":"neutral","sentiment_score":0.06821071356534958,"num_words":5,"start":1019.055,"end":1067.17},{"sentences":[{"text":"No.","start":1067.17,"end":1067.33,"sentiment":"neutral","sentiment_score":-0.0643632709980011},{"text":"That's fair enough.","start":1067.33,"end":1068.39,"sentiment":"neutral","sentiment_score":-0.024850772072871525},{"text":"Yep.","start":1071.375,"end":1071.875,"sentiment":"neutral","sentiment_score":0.06578650325536728},{"text":"Yeah.","start":1073.135,"end":1073.4551,"sentiment":"neutral","sentiment_score":0.028862426057457924},{"text":"And, also, I need to see what happens with the the federal budget tonight because of all the changes to capital gains tax and everything is gonna impact both the properties and superannuation.","start":1073.4551,"end":1083.235,"sentiment":"neutral","sentiment_score":-0.1321271484096845}],"sentiment":"neutral","sentiment_score":-0.11293493731854817,"num_words":39,"start":1067.17,"end":1083.235},{"sentences":[{"text":"So we're gonna kind of research that as well.","start":1084.23,"end":1086.97,"sentiment":"neutral","sentiment_score":0.04049523671468099},{"text":"Cool.","start":1090.87,"end":1091.37,"sentiment":"positive","sentiment_score":0.5434243679046631},{"text":"Now can I just double check a couple of your details there, and then I'll just go through your insurances, and that should be pretty much it?","start":1091.4299,"end":1098.525,"sentiment":"neutral","sentiment_score":0.1967475199037128},{"text":"Now with your estate planning, your partner was listed as your beneficiary for your super, and I'm just double checking if you wanted her still to receive the super and the life insurance if you passed away.","start":1104.2051,"end":1116.62,"sentiment":"neutral","sentiment_score":0.06544367787805763},{"text":"Yep.","start":1120.76,"end":1121.26,"sentiment":"neutral","sentiment_score":0.06324303895235062}],"sentiment":"neutral","sentiment_score":0.11606298208236694,"num_words":75,"start":1084.23,"end":1121.26},{"sentences":[{"text":"Did you put Yeah.","start":1122.12,"end":1142.9199,"sentiment":"neutral","sentiment_score":0.014783313032239676},{"text":"That's right.","start":1142.9199,"end":1143.82,"sentiment":"neutral","sentiment_score":0.014760348480194807},{"text":"Okay.","start":1148.6,"end":1149.0,"sentiment":"neutral","sentiment_score":0.13775287568569183},{"text":"Cool.","start":1149.0,"end":1149.4,"sentiment":"neutral","sentiment_score":0.2024179846048355},{"text":"And are you thinking of putting in place a a will or a power of attorney at some point or a little bit later?","start":1149.4,"end":1154.765,"sentiment":"neutral","sentiment_score":0.049888936220668256}],"sentiment":"neutral","sentiment_score":0.05081747745862231,"num_words":32,"start":1122.12,"end":1154.765},{"sentences":[{"text":"Yep.","start":1158.905,"end":1159.405,"sentiment":"neutral","sentiment_score":0.0258007999509573},{"text":"With your occupation, are you still senior architect for TPG?","start":1160.025,"end":1164.125,"sentiment":"neutral","sentiment_score":0.0016037125140428543},{"text":"Yep.","start":1167.88,"end":1168.2,"sentiment":"neutral","sentiment_score":0.009651124477386476},{"text":"And about 180,000?","start":1168.2,"end":1169.98,"sentiment":"neutral","sentiment_score":0.00443280457208554},{"text":"Yep.","start":1173.88,"end":1174.2,"sentiment":"neutral","sentiment_score":0.003950037527829409}],"sentiment":"neutral","sentiment_score":0.0042960938008036464,"num_words":16,"start":1158.905,"end":1174.2},{"sentences":[{"text":"And I think we said you're putting away, hopefully, trying to save about $1,000 a month?","start":1174.2,"end":1178.715,"sentiment":"neutral","sentiment_score":-0.017621157050598413},{"text":"Yep.","start":1183.195,"end":1183.595,"sentiment":"neutral","sentiment_score":0.03969351202249527},{"text":"And with your assets, your property last check was valued at 1,000,000 with $750,000 loan.","start":1183.595,"end":1191.755,"sentiment":"neutral","sentiment_score":0.03221531137824059},{"text":"Is that pretty close?","start":1191.755,"end":1193.0549,"sentiment":"neutral","sentiment_score":0.04135969979688525},{"text":"Yep.","start":1196.73,"end":1197.13,"sentiment":"neutral","sentiment_score":0.04798681661486626}],"sentiment":"neutral","sentiment_score":0.012281359072673964,"num_words":37,"start":1174.2,"end":1197.13},{"sentences":[{"text":"And I think the only other assets you had was the two cars, which was the Kia and the Hyundai.","start":1197.13,"end":1201.55,"sentiment":"neutral","sentiment_score":0.04365178346633911},{"text":"Okay.","start":1204.97,"end":1205.29,"sentiment":"neutral","sentiment_score":0.04749550670385361},{"text":"The only thing I need to note down, sir, is do you have anything put aside in savings at the moment or, like, emergency fund?","start":1205.29,"end":1212.5349,"sentiment":"neutral","sentiment_score":-0.01467795342206955},{"text":"So can I just put out an estimate?","start":1225.09,"end":1227.09,"sentiment":"neutral","sentiment_score":0.037441475316882133},{"text":"Is it, like, 5,000, 10,000, 20,000 for emergency savings?","start":1227.09,"end":1231.6699,"sentiment":"neutral","sentiment_score":0.02199756271309323}],"sentiment":"neutral","sentiment_score":0.016684003292568146,"num_words":63,"start":1197.13,"end":1231.6699},{"sentences":[{"text":"Amazing.","start":1250.37,"end":1250.87,"sentiment":"positive","sentiment_score":0.5645650029182434},{"text":"Alright.","start":1251.3301,"end":1251.81,"sentiment":"positive","sentiment_score":0.5090214014053345},{"text":"So that's doing fantastic.","start":1251.81,"end":1253.03,"sentiment":"positive","sentiment_score":0.49174759164452553},{"text":"So outside of paying down the mortgage, growing the super, maybe getting an investment property, anything else for gold for you guys?","start":1253.41,"end":1261.99,"sentiment":"neutral","sentiment_score":0.1369510753588243},{"text":"No.","start":1270.745,"end":1270.905,"sentiment":"neutral","sentiment_score":-0.11933132261037828}],"sentiment":"neutral","sentiment_score":0.20462652090294609,"num_words":29,"start":1250.37,"end":1270.905},{"sentences":[{"text":"It's okay.","start":1270.905,"end":1271.545,"sentiment":"neutral","sentiment_score":0.0481947623193264},{"text":"With the your goals, we had you listing down to retire at 65, pay off the mortgage, maybe get an investment property.","start":1271.545,"end":1280.57,"sentiment":"neutral","sentiment_score":0.1153261148455468},{"text":"Anything else you wanna do?","start":1280.71,"end":1282.25,"sentiment":"neutral","sentiment_score":0.12257427722215652},{"text":"No.","start":1286.3899,"end":1286.71,"sentiment":"neutral","sentiment_score":0.11226166039705276},{"text":"Simple.","start":1286.71,"end":1287.21,"sentiment":"neutral","sentiment_score":0.20333629846572876}],"sentiment":"neutral","sentiment_score":0.11490430310368538,"num_words":31,"start":1270.905,"end":1287.21},{"sentences":[{"text":"Pay off everything.","start":1287.35,"end":1288.25,"sentiment":"positive","sentiment_score":0.43282636006673175},{"text":"Live happy.","start":1288.47,"end":1289.2899,"sentiment":"positive","sentiment_score":0.6511099636554718},{"text":"Be healthy.","start":1289.5099,"end":1290.25,"sentiment":"positive","sentiment_score":0.6368486285209656},{"text":"Yep.","start":1294.065,"end":1294.465,"sentiment":"positive","sentiment_score":0.398777574300766},{"text":"Perfect.","start":1294.465,"end":1294.965,"sentiment":"positive","sentiment_score":0.6635444164276123}],"sentiment":"positive","sentiment_score":0.5485242505868276,"num_words":9,"start":1287.35,"end":1294.965},{"sentences":[{"text":"Alright.","start":1295.825,"end":1296.3049,"sentiment":"neutral","sentiment_score":0.33212441205978394},{"text":"So last couple of things.","start":1296.3049,"end":1297.765,"sentiment":"neutral","sentiment_score":0.11698742210865021},{"text":"I just wanna double check with your insurances.","start":1299.585,"end":1301.845,"sentiment":"neutral","sentiment_score":0.0705807562917471},{"text":"You've got the tower insurance.","start":1302.48,"end":1303.84,"sentiment":"neutral","sentiment_score":0.10023929029703141},{"text":"I've sent you a certificate of currency so you know what you have.","start":1303.84,"end":1306.98,"sentiment":"neutral","sentiment_score":0.13805973587127832}],"sentiment":"neutral","sentiment_score":0.11805251846089959,"num_words":32,"start":1295.825,"end":1306.98},{"sentences":[{"text":"It's $1,300,000 of life insurance and disability insurance, which is to pay off the mortgage and get you four years worth of income replacement.","start":1307.84,"end":1318.1799,"sentiment":"neutral","sentiment_score":0.151269211123387},{"text":"Now it's not too expensive.","start":1320.455,"end":1321.975,"sentiment":"neutral","sentiment_score":0.17652457505464553},{"text":"It's only about a couple of grand coming out of the super, and you've also got your income protection.","start":1321.975,"end":1327.515,"sentiment":"neutral","sentiment_score":0.1564853424696546},{"text":"Now your income protection, if you're out of work for more than one month, it'll pay you monthly income of 9,000 for five years maximum.","start":1328.5349,"end":1337.37,"sentiment":"neutral","sentiment_score":0.04517336651682854},{"text":"Okay.","start":1340.15,"end":1340.65,"sentiment":"neutral","sentiment_score":-0.01714770495891571}],"sentiment":"neutral","sentiment_score":0.11619583658269934,"num_words":74,"start":1307.84,"end":1340.65},{"sentences":[{"text":"Now because your total premiums are just around 3,400, it's getting more expensive, and your next bill is in September for tal insurance.","start":1340.71,"end":1352.785,"sentiment":"neutral","sentiment_score":-0.1518522821690725},{"text":"I'm gonna keep an eye on it and make sure it doesn't jump up too high because once you're in your fifties, it'll go up, like, $6,000 very quickly.","start":1353.805,"end":1362.305,"sentiment":"neutral","sentiment_score":-0.08797289045720265},{"text":"So my two two quick questions for you.","start":1365.76,"end":1368.1799,"sentiment":"neutral","sentiment_score":0.011614901246502995},{"text":"Is $1,300,000 still okay for the life insurer?","start":1368.24,"end":1371.78,"sentiment":"neutral","sentiment_score":-0.018243857939523878},{"text":"Yep.","start":1375.9349,"end":1376.335,"sentiment":"neutral","sentiment_score":0.0982026308774948}],"sentiment":"neutral","sentiment_score":-0.08693688892484372,"num_words":69,"start":1340.71,"end":1376.335},{"sentences":[{"text":"And for the income protection, just because your income has gone up, you could have $11,000 a month worth of cover, but you've got 9,000 a month.","start":1376.335,"end":1385.295,"sentiment":"neutral","sentiment_score":-0.014382232118535924},{"text":"Is 9,000 a month still okay to pay the bill?","start":1385.295,"end":1387.955,"sentiment":"neutral","sentiment_score":-0.04618205688893795},{"text":"Yep.","start":1396.94,"end":1397.44,"sentiment":"neutral","sentiment_score":0.04299251362681389},{"text":"Alright.","start":1397.74,"end":1398.24,"sentiment":"neutral","sentiment_score":-0.034533221274614334},{"text":"Mate, last thing is I've in the annual review email I've sent you, there's a service agreement there.","start":1398.38,"end":1404.215,"sentiment":"neutral","sentiment_score":0.09164411822954814}],"sentiment":"neutral","sentiment_score":0.01417390498937222,"num_words":57,"start":1376.335,"end":1404.215},{"sentences":[{"text":"I just wanna double check.","start":1404.215,"end":1405.255,"sentiment":"neutral","sentiment_score":0.1550949990749359},{"text":"Are you still happy for Oakview to look after your super and still remain a client of ours?","start":1405.255,"end":1409.195,"sentiment":"positive","sentiment_score":0.387180567615562},{"text":"Okay.","start":1414.47,"end":1414.97,"sentiment":"neutral","sentiment_score":0.1633046716451645},{"text":"Now remember, the fees are 1.65%, and it's charged split into little monthly payments, and your super fund gets a 15% tax deduction for those.","start":1415.03,"end":1425.53,"sentiment":"neutral","sentiment_score":0.17140630066394805},{"text":"Now when you bring your partner on board, if you wanna do some joint super advice later, we do have a partner discount down to 1.1%.","start":1425.75,"end":1434.4651,"sentiment":"neutral","sentiment_score":0.2117210142314434}],"sentiment":"neutral","sentiment_score":0.23597245027621588,"num_words":75,"start":1404.215,"end":1434.4651},{"sentences":[{"text":"Okay?","start":1434.4651,"end":1434.9651,"sentiment":"neutral","sentiment_score":0.11463133990764618},{"text":"Okay.","start":1438.305,"end":1438.805,"sentiment":"neutral","sentiment_score":0.1970403790473938},{"text":"The new email is from OdooSign.","start":1439.745,"end":1442.165,"sentiment":"neutral","sentiment_score":0.26439912617206573},{"text":"When you click the button on that one, it has all the attachments at the bottom like a PDF.","start":1442.77,"end":1447.11,"sentiment":"neutral","sentiment_score":0.2127285952630796},{"text":"But when you go inside it, it'll ask you to scroll through the document, to read it all, make sure you're happy.","start":1447.41,"end":1453.41,"sentiment":"neutral","sentiment_score":0.3092731406742876}],"sentiment":"neutral","sentiment_score":0.2600799771595974,"num_words":49,"start":1434.4651,"end":1453.41},{"sentences":[{"text":"And then when you click the little purple button, it'll put your signature on there.","start":1453.41,"end":1457.25,"sentiment":"neutral","sentiment_score":0.16026141941547395},{"text":"Okay?","start":1457.25,"end":1457.75,"sentiment":"neutral","sentiment_score":0.1005854681134224},{"text":"Yep.","start":1460.805,"end":1461.305,"sentiment":"neutral","sentiment_score":0.11384288966655733},{"text":"If you wanna draw it, you just click on the sign box and it'll let you draw it with your finger or your mouse, but otherwise, it would just stamp it.","start":1461.365,"end":1468.5851,"sentiment":"neutral","sentiment_score":0.08723828304679163},{"text":"Awesome.","start":1469.8451,"end":1470.3451,"sentiment":"positive","sentiment_score":0.5231199860572815}],"sentiment":"neutral","sentiment_score":0.11930319203101859,"num_words":49,"start":1453.41,"end":1470.3451},{"sentences":[{"text":"Now outside of the catch up in a year for the investments and everything, do you want me to put in for any catch up this year?","start":1470.4851,"end":1478.59,"sentiment":"neutral","sentiment_score":0.047204553598055136},{"text":"Like, every three months or six months, or you just wanna wait for the twelve months?","start":1478.59,"end":1482.61,"sentiment":"neutral","sentiment_score":0.004632527299690992},{"text":"Yep.","start":1497.245,"end":1497.5651,"sentiment":"neutral","sentiment_score":0.0492253452539444},{"text":"So a bit of a catch up before Christmas.","start":1497.5651,"end":1499.505,"sentiment":"neutral","sentiment_score":0.0017600332697232564},{"text":"Perfect.","start":1505.0599,"end":1505.5599,"sentiment":"neutral","sentiment_score":0.1909826099872589}],"sentiment":"neutral","sentiment_score":0.02971651182613439,"num_words":54,"start":1470.4851,"end":1505.5599},{"sentences":[{"text":"Alright.","start":1505.62,"end":1505.94,"sentiment":"neutral","sentiment_score":0.1297006458044052},{"text":"I'll put in for six months.","start":1505.94,"end":1507.1399,"sentiment":"neutral","sentiment_score":0.07114134356379509},{"text":"We'll see how the soup is going.","start":1507.1399,"end":1508.4199,"sentiment":"neutral","sentiment_score":0.15210303664207458},{"text":"Hopefully, it's going back up and the market's not crazy anymore.","start":1508.4199,"end":1511.48,"sentiment":"neutral","sentiment_score":0.1547683531587774},{"text":"And then I'll put in a note and we can talk about the investments and the estimates that later as well.","start":1511.5399,"end":1515.915,"sentiment":"neutral","sentiment_score":0.15197569273767017}],"sentiment":"neutral","sentiment_score":0.14163503034607225,"num_words":46,"start":1505.62,"end":1515.915},{"sentences":[{"text":"Awesome.","start":1519.275,"end":1519.775,"sentiment":"positive","sentiment_score":0.8255388736724854},{"text":"We've just hit the half an hour mark, sir.","start":1519.915,"end":1521.8351,"sentiment":"positive","sentiment_score":0.6937186320622762},{"text":"Hopefully, I've made good time there.","start":1521.8351,"end":1523.435,"sentiment":"positive","sentiment_score":0.742259681224823},{"text":"Do you have any questions for me?","start":1523.435,"end":1525.135,"sentiment":"neutral","sentiment_score":0.21586185480867112},{"text":"Awesome.","start":1529.77,"end":1530.17,"sentiment":"positive","sentiment_score":0.7797744870185852}],"sentiment":"positive","sentiment_score":0.5755571716775497,"num_words":24,"start":1519.275,"end":1530.17},{"sentences":[{"text":"You have a fantastic day.","start":1530.17,"end":1531.6901,"sentiment":"positive","sentiment_score":0.791451370716095},{"text":"Thank you for your time.","start":1531.6901,"end":1532.7301,"sentiment":"positive","sentiment_score":0.7218079090118408},{"text":"If you can just have a look at that email and give that a sign when you're comfortable.","start":1532.7301,"end":1535.79,"sentiment":"neutral","sentiment_score":0.3276647958490584},{"text":"If not, just give us a call if you have any questions.","start":1536.01,"end":1538.25,"sentiment":"neutral","sentiment_score":0.08582426545520623},{"text":"Okay?","start":1538.25,"end":1538.75,"sentiment":"neutral","sentiment_score":0.14362557232379913}],"sentiment":"positive","sentiment_score":0.3570190117490001,"num_words":41,"start":1530.17,"end":1538.75},{"sentences":[{"text":"Awesome.","start":1542.949,"end":1543.2689,"sentiment":"positive","sentiment_score":0.7559546232223511},{"text":"Have a fantastic day.","start":1543.2689,"end":1544.309,"sentiment":"positive","sentiment_score":0.7648538649082184},{"text":"I'll see you later.","start":1544.309,"end":1545.129,"sentiment":"positive","sentiment_score":0.6433060616254807},{"text":"Thank 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Hey, Tommy. Good. Thank you. How are you? All good. Fantastic weather in Sydney. Oh, coffee today. Coffee today. Yes, sir. I'm I'm in office as well, so good I'm at a good place. Just came to some silent place as well, so I was waiting for your call. I'm I've logged thirty minutes off my calendar so we can we can discuss. Yeah. Yeah. It's twenty two zero seven nineteen eighty. Another is 20 Balfour State, telephone 2762. You can start working through, and the meantime, we'll try to open the email as well. Yes. I want to know how how the investments that we have done is looking for. I mean, with the the market being kind of fluctuating with the the West war, What's happening with my superannuation and and also I want to know whether the people are talking about this SMS or SMS kind of thing. Right? We're investing using our super. How good it is and whether we can do that one. So I want to know more about that one as well. Yeah. Okay. No. Mhmm. Yeah. Yep. No. Okay. Very good. Yeah. Mhmm. Mhmm. Okay. Okay. Pretty good. Yeah. We can continue. Yeah. Okay. Very, very good. So it's a combination of the my contributions plus the the market. Right? The investments we have done. Okay. 65. Mhmm. Yep. That was that was the question that exactly popped in my mind now. So is our 100% of the money is currently in in the in the rotation of investment? Are are we using only 70% of the money and keeping some of the amount in stock kind of thing? What we're doing currently? Okay. And and you are saying and and you are saying that over the period, so we will try to reduce that investment as we get older. We will try to reduce the and then we are making investments, giving some buffer. That's what you are trying to say. Okay. Yes. At the moment, it should be fine. As long as we are going in a positive way, it should be fine. Yeah. Okay. So if if he if he continues for some some blessings for my team, if we continue to say, my contributions remain the more or less the same amount per next year twenty years, where we will be standing at the point And and what is our projections for next ten years and next twenty years with we doing some kind of just regular investments into the market? Okay. So if you continue with that same same amount of investments, we will be we'll be reaching around million dollars in twenty years. And and and yeah. Yeah. Yeah. No. Go ahead. Okay. That's that's long term, but we we can discuss the fact that we need to think of, but it's a long term. But so so so what we're saying is coming back to our conversation. So in in case of we stopping it to 50 percentage, right, keeping keeping the 50 percentage intact and only it's like 50 percentage by first month after ten years, right, at the age of April. Currently, I'm 45. 55, if we say, they do only 50 percentage of investments and continue with only contributions and 50 percentage keeping in this kind of 50 or the term deposit kind of thing. So if we go down the path, that that we will be at the age of 65 in another twenty years. That will be still around the same million dollars or we are we saying less than that one or maybe more than that one? Okay. Okay. So you you are projecting 1,000,000 in 10 itself, is it? Not in twelve years. Ten years itself, we are saying that we have been 1,000,000 or around a million. So 10 to 12 will be around a million if the contribution continues as such. Okay. Yeah. Yeah. So going back to the conversation. Right? How about so what will be the impact or what what will be the outcome if I have to take something out of the super to book the property? Is it still a good option to think of instead of doing this investment in the market or buying a property? Mhmm. Just be my super. Mhmm. Mhmm. Yeah. I so it's for the set of petrols with with the same somewhere around the $10,000 you are paying. Is that what I understand? Okay. And then is there any minimum that you want to say that when you say that we should be having from $2.50? So that's the minimum amount that we should be having in super to take it out, is it? Okay. And and and our current balance sitting in $2.30, am I still eligible to take it out or probably may not be eligible to even to do that one? Okay. Hi. So it's been high time. I think it's been five to six years. I've for five years, I keep saying that I should invest something at the property, but I'm not I'm not able to I've not managed to do that one. So so discussing with the people and family and friends, I think that one of the options that came through recently is about this self managed super kind of thing. So I I thought either it will be it will be either or only. Right? I cannot pay a salary and the one that I'm paying for the mortgages and all, I will not be able to manage two investment profit at this stage. It will be either through super or super only. So I'm still still looking for my partner to start start a new job for us. So only when only when she's at this time, then I will be able to even think of that one. So that time, a year year I can wait. So then there could be some if she goes for work and there could be some some contributions from work to be super. I can see whether I can combine both and try to take something. Or based upon our income, then I can think of whether I will be able to manage with our income itself without disturbing the super whether I will be able to do some kind of investment property. We can we can find that for for that for one one more year. Yeah. We'll see how we go. Mhmm. Okay. Makes sense. Yeah. Okay. Yes. Yeah. It will continue. I I signed up a couple of documents for my super kind of not kind of will, but I I think nominees kind of thing I submitted some documents with. It's a different my partner and my son nominate here. I did that one already. A little bit later. Ah, yes. Yes. Yes. Yes. Yes. Yes. We do have some I have got some kind of the equity in my account. It is it is close to 120. It's close to yeah. 120 150. Ah, yeah. It's offset count. Yeah. Sorry. Sorry. Can you come again? Yeah. Uh-huh. Nothing else. Same, man. Mhmm. Okay. Mhmm. Okay. Mhmm. Okay. Yes. Okay. Please. Yeah. That's fine. Yes. Yeah. Okay. Yes. I'll be to continue for some time. Yeah. Okay. Okay. Yeah. Yeah. Yeah. I think six months is also fine. Currently, we are sitting in May sometime sometime before end of this year. If you can do catch up, that will be really really helpful. Say, by by November. Yeah. Yeah. Yeah. Now, but it's not really fine. Yes. Sure. Thank you. Nothing. Nothing. Thank you for your time. Yeah. Sure. We'll do that one. Yeah. Thank you. You too. 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Hey, Tommy. Good. Thank you. How are you?\n\nAll good. Fantastic weather in Sydney. Oh, coffee today. Coffee today. Yes, sir.\n\nI'm I'm in office as well, so good I'm at a good place. Just came to some silent place as well, so I was waiting for your call. I'm I've logged thirty minutes off my calendar so we can we can discuss. Yeah. Yeah.\n\nIt's twenty two zero seven nineteen eighty. Another is 20 Balfour State, telephone 2762. You can start working through, and the meantime, we'll try to open the email as well. Yes. I want to know how how the investments that we have done is looking for.\n\nI mean, with the the market being kind of fluctuating with the the West war, What's happening with my superannuation and and also I want to know whether the people are talking about this SMS or SMS kind of thing. Right? We're investing using our super. How good it is and whether we can do that one. So I want to know more about that one as well.\n\nYeah. Okay. No. Mhmm. Yeah.\n\nYep. No. Okay. Very good. Yeah.\n\nMhmm. Mhmm. Okay. Okay. Pretty good.\n\nYeah. We can continue. Yeah. Okay. Very, very good.\n\nSo it's a combination of the my contributions plus the the market. Right? The investments we have done. Okay. 65.\n\nMhmm. Yep. That was that was the question that exactly popped in my mind now. So is our 100% of the money is currently in in the in the rotation of investment? Are are we using only 70% of the money and keeping some of the amount in stock kind of thing?\n\nWhat we're doing currently? Okay. And and you are saying and and you are saying that over the period, so we will try to reduce that investment as we get older. We will try to reduce the and then we are making investments, giving some buffer. That's what you are trying to say.\n\nOkay. Yes. At the moment, it should be fine. As long as we are going in a positive way, it should be fine. Yeah.\n\nOkay. So if if he if he continues for some some blessings for my team, if we continue to say, my contributions remain the more or less the same amount per next year twenty years, where we will be standing at the point And and what is our projections for next ten years and next twenty years with we doing some kind of just regular investments into the market? Okay. So if you continue with that same same amount of investments, we will be we'll be reaching around million dollars in twenty years. And and and yeah.\n\nYeah. Yeah. No. Go ahead. Okay.\n\nThat's that's long term, but we we can discuss the fact that we need to think of, but it's a long term. But so so so what we're saying is coming back to our conversation. So in in case of we stopping it to 50 percentage, right, keeping keeping the 50 percentage intact and only it's like 50 percentage by first month after ten years, right, at the age of April. Currently, I'm 45. 55, if we say, they do only 50 percentage of investments and continue with only contributions and 50 percentage keeping in this kind of 50 or the term deposit kind of thing.\n\nSo if we go down the path, that that we will be at the age of 65 in another twenty years. That will be still around the same million dollars or we are we saying less than that one or maybe more than that one? Okay. Okay. So you you are projecting 1,000,000 in 10 itself, is it?\n\nNot in twelve years. Ten years itself, we are saying that we have been 1,000,000 or around a million. So 10 to 12 will be around a million if the contribution continues as such. Okay. Yeah.\n\nYeah. So going back to the conversation. Right? How about so what will be the impact or what what will be the outcome if I have to take something out of the super to book the property? Is it still a good option to think of instead of doing this investment in the market or buying a property?\n\nMhmm. Just be my super. Mhmm. Mhmm. Yeah.\n\nI so it's for the set of petrols with with the same somewhere around the $10,000 you are paying. Is that what I understand? Okay. And then is there any minimum that you want to say that when you say that we should be having from $2.50? So that's the minimum amount that we should be having in super to take it out, is it?\n\nOkay. And and and our current balance sitting in $2.30, am I still eligible to take it out or probably may not be eligible to even to do that one? Okay. Hi. So it's been high time.\n\nI think it's been five to six years. I've for five years, I keep saying that I should invest something at the property, but I'm not I'm not able to I've not managed to do that one. So so discussing with the people and family and friends, I think that one of the options that came through recently is about this self managed super kind of thing. So I I thought either it will be it will be either or only. Right?\n\nI cannot pay a salary and the one that I'm paying for the mortgages and all, I will not be able to manage two investment profit at this stage. It will be either through super or super only. So I'm still still looking for my partner to start start a new job for us. So only when only when she's at this time, then I will be able to even think of that one. So that time, a year year I can wait.\n\nSo then there could be some if she goes for work and there could be some some contributions from work to be super. I can see whether I can combine both and try to take something. Or based upon our income, then I can think of whether I will be able to manage with our income itself without disturbing the super whether I will be able to do some kind of investment property. We can we can find that for for that for one one more year. Yeah.\n\nWe'll see how we go. Mhmm. Okay. Makes sense. Yeah.\n\nOkay. Yes. Yeah. It will continue. I I signed up a couple of documents for my super kind of not kind of will, but I I think nominees kind of thing I submitted some documents with.\n\nIt's a different my partner and my son nominate here. I did that one already. A little bit later. Ah, yes. Yes.\n\nYes. Yes. Yes. Yes. We do have some I have got some kind of the equity in my account.\n\nIt is it is close to 120. It's close to yeah. 120 150. Ah, yeah. It's offset count.\n\nYeah. Sorry. Sorry. Can you come again? Yeah.\n\nUh-huh. Nothing else. Same, man. Mhmm. Okay.\n\nMhmm. Okay. Mhmm. Okay. Yes.\n\nOkay. Please. Yeah. That's fine. Yes.\n\nYeah. Okay. Yes. I'll be to continue for some time. Yeah.\n\nOkay. Okay. Yeah. Yeah. Yeah.\n\nI think six months is also fine. Currently, we are sitting in May sometime sometime before end of this year. If you can do catch up, that will be really really helpful. Say, by by November. Yeah.\n\nYeah. Yeah. Now, but it's not really fine. Yes. Sure.\n\nThank you. Nothing. Nothing. Thank you for your time. Yeah.\n\nSure. We'll do that one. Yeah. Thank you. You too.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.027420442551374435},{"text":"Hey, Tommy.","start":9.44,"end":10.32,"sentiment":"neutral","sentiment_score":0.1452789381146431},{"text":"Good.","start":10.32,"end":10.48,"sentiment":"positive","sentiment_score":0.42951422929763794},{"text":"Thank you.","start":10.48,"end":10.8,"sentiment":"positive","sentiment_score":0.5527746379375458},{"text":"How are you?","start":10.8,"end":11.62,"sentiment":"positive","sentiment_score":0.34505094091097516}],"sentiment":"neutral","sentiment_score":0.3209105162984795,"num_words":9,"start":2.32,"end":11.62},{"sentences":[{"text":"All good.","start":16.025,"end":16.765,"sentiment":"positive","sentiment_score":0.5115523338317871},{"text":"Fantastic weather in Sydney.","start":18.425,"end":19.965,"sentiment":"neutral","sentiment_score":0.27293355390429497},{"text":"Oh, coffee today.","start":22.505001,"end":23.645,"sentiment":"neutral","sentiment_score":0.21594414611657461},{"text":"Coffee today.","start":23.705,"end":24.425,"sentiment":"neutral","sentiment_score":0.16429411619901657},{"text":"Yes, sir.","start":24.425,"end":25.244999,"sentiment":"neutral","sentiment_score":0.11330476403236389}],"sentiment":"neutral","sentiment_score":0.2552206986225568,"num_words":13,"start":16.025,"end":25.244999},{"sentences":[{"text":"I'm I'm in office as well, so good I'm at a good place.","start":27.75,"end":31.369999,"sentiment":"neutral","sentiment_score":0.32733304454730106},{"text":"Just came to some silent place as well, so I was waiting for your call.","start":32.07,"end":35.69,"sentiment":"neutral","sentiment_score":0.26146114865938824},{"text":"I'm I've logged thirty minutes off my calendar so we can we can discuss.","start":43.495003,"end":46.715,"sentiment":"neutral","sentiment_score":0.07745452198599066},{"text":"Yeah.","start":54.375,"end":54.875,"sentiment":"neutral","sentiment_score":0.03840544074773789},{"text":"Yeah.","start":58.3,"end":58.8,"sentiment":"neutral","sentiment_score":0.062116414308547974}],"sentiment":"neutral","sentiment_score":0.21277572663331573,"num_words":44,"start":27.75,"end":58.8},{"sentences":[{"text":"It's twenty two zero seven nineteen eighty.","start":72.865,"end":75.285,"sentiment":"neutral","sentiment_score":0.01261208625510335},{"text":"Another is 20 Balfour State, telephone 2762.","start":75.425,"end":79.685,"sentiment":"neutral","sentiment_score":0.015221969091466494},{"text":"You can start working through, and the meantime, we'll try to open the email as well.","start":87.5,"end":91.04,"sentiment":"neutral","sentiment_score":0.05979868629947305},{"text":"Yes.","start":98.985,"end":99.485,"sentiment":"neutral","sentiment_score":0.02662401646375656},{"text":"I want to know how how the investments that we have done is looking for.","start":99.945,"end":105.225,"sentiment":"neutral","sentiment_score":0.012110393246014912}],"sentiment":"neutral","sentiment_score":0.02956298442112039,"num_words":46,"start":72.865,"end":105.225},{"sentences":[{"text":"I mean, with the the market being kind of fluctuating with the the West war, What's happening with my superannuation and and also I want to know whether the people are talking about this SMS or SMS kind of thing.","start":105.225,"end":120.630005,"sentiment":"neutral","sentiment_score":-0.007130728987976909},{"text":"Right?","start":120.630005,"end":120.87,"sentiment":"neutral","sentiment_score":0.00884312391281128},{"text":"We're investing using our super.","start":120.87,"end":122.89,"sentiment":"neutral","sentiment_score":0.008248632354661823},{"text":"How good it is and whether we can do that one.","start":123.51,"end":126.31,"sentiment":"positive","sentiment_score":0.6765959750522267},{"text":"So I want to know more about that one as well.","start":126.31,"end":132.275,"sentiment":"neutral","sentiment_score":0.15964281288060275}],"sentiment":"neutral","sentiment_score":0.13181593813864953,"num_words":68,"start":105.225,"end":132.275},{"sentences":[{"text":"Yeah.","start":136.735,"end":137.235,"sentiment":"neutral","sentiment_score":0.040064554661512375},{"text":"Okay.","start":151.63,"end":152.13,"sentiment":"neutral","sentiment_score":0.04517005383968353},{"text":"No.","start":178.16,"end":178.66,"sentiment":"neutral","sentiment_score":-0.0829005241394043},{"text":"Mhmm.","start":192.095,"end":192.595,"sentiment":"neutral","sentiment_score":-0.004541504196822643},{"text":"Yeah.","start":205.52,"end":206.0,"sentiment":"neutral","sentiment_score":0.05819011479616165}],"sentiment":"neutral","sentiment_score":0.011196538992226123,"num_words":5,"start":136.735,"end":206.0},{"sentences":[{"text":"Yep.","start":206.0,"end":206.5,"sentiment":"neutral","sentiment_score":0.08208723366260529},{"text":"No.","start":230.18999,"end":230.68999,"sentiment":"neutral","sentiment_score":-0.12674155831336975},{"text":"Okay.","start":241.23,"end":241.46999,"sentiment":"neutral","sentiment_score":0.2738795280456543},{"text":"Very 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good.","start":315.16,"end":315.80002,"sentiment":"positive","sentiment_score":0.41682057082653046}],"sentiment":"neutral","sentiment_score":0.09280383214354515,"num_words":6,"start":271.255,"end":315.80002},{"sentences":[{"text":"Yeah.","start":315.80002,"end":316.04,"sentiment":"neutral","sentiment_score":0.2529259920120239},{"text":"We can continue.","start":316.04,"end":316.84,"sentiment":"neutral","sentiment_score":0.27726447582244873},{"text":"Yeah.","start":316.84,"end":317.34,"sentiment":"neutral","sentiment_score":0.14658164978027344},{"text":"Okay.","start":335.555,"end":336.055,"sentiment":"neutral","sentiment_score":0.2326003611087799},{"text":"Very, very good.","start":336.275,"end":337.075,"sentiment":"positive","sentiment_score":0.4328421850999196}],"sentiment":"neutral","sentiment_score":0.30693644285202026,"num_words":9,"start":315.80002,"end":337.075},{"sentences":[{"text":"So it's a combination of the my contributions plus the the market.","start":337.075,"end":344.82,"sentiment":"neutral","sentiment_score":0.2231583036482334},{"text":"Right?","start":344.82,"end":345.06,"sentiment":"neutral","sentiment_score":0.15241742134094238},{"text":"The investments we have done.","start":345.06,"end":346.92,"sentiment":"neutral","sentiment_score":0.156491956114769},{"text":"Okay.","start":350.82,"end":351.32,"sentiment":"neutral","sentiment_score":0.07656936347484589},{"text":"65.","start":369.225,"end":370.125,"sentiment":"neutral","sentiment_score":0.0015155784785747528}],"sentiment":"neutral","sentiment_score":0.18454308938235045,"num_words":20,"start":337.075,"end":370.125},{"sentences":[{"text":"Mhmm.","start":390.26498,"end":390.76498,"sentiment":"neutral","sentiment_score":-0.018864262849092484},{"text":"Yep.","start":405.25,"end":405.75,"sentiment":"neutral","sentiment_score":0.15373237431049347},{"text":"That was that was the question that exactly popped in my mind now.","start":406.05002,"end":409.01,"sentiment":"neutral","sentiment_score":0.11778661035574399},{"text":"So is our 100% of the money is currently in in the in the rotation of investment?","start":409.01,"end":416.05502,"sentiment":"neutral","sentiment_score":0.0780546354020343},{"text":"Are are we using only 70% of the money and keeping some of the amount in stock kind of thing?","start":416.11502,"end":423.575,"sentiment":"neutral","sentiment_score":0.03436748469248414}],"sentiment":"neutral","sentiment_score":0.07077639503404498,"num_words":52,"start":390.26498,"end":423.575},{"sentences":[{"text":"What we're doing currently?","start":423.71503,"end":424.855,"sentiment":"neutral","sentiment_score":0.02196814166381955},{"text":"Okay.","start":450.045,"end":450.20502,"sentiment":"neutral","sentiment_score":0.08050405234098434},{"text":"And and you are saying and and you are saying that over the period, so we will try to reduce that investment as we get older.","start":450.20502,"end":458.9,"sentiment":"neutral","sentiment_score":-0.0041164339591677375},{"text":"We will try to reduce the and then we are making investments, giving some buffer.","start":458.9,"end":464.19998,"sentiment":"neutral","sentiment_score":0.05800471181670825},{"text":"That's what you are trying to say.","start":464.66,"end":466.28,"sentiment":"neutral","sentiment_score":0.05754912697843143}],"sentiment":"neutral","sentiment_score":0.025174790606746135,"num_words":53,"start":423.71503,"end":466.28},{"sentences":[{"text":"Okay.","start":485.97,"end":486.47,"sentiment":"neutral","sentiment_score":0.09771554917097092},{"text":"Yes.","start":497.035,"end":497.355,"sentiment":"neutral","sentiment_score":0.2622136175632477},{"text":"At the moment, it should be fine.","start":497.355,"end":498.895,"sentiment":"neutral","sentiment_score":0.3278835117816925},{"text":"As long as we are going in a positive way, it should be fine.","start":499.51498,"end":502.955,"sentiment":"positive","sentiment_score":0.5252873450517654},{"text":"Yeah.","start":502.955,"end":503.455,"sentiment":"neutral","sentiment_score":0.08169779181480408}],"sentiment":"positive","sentiment_score":0.4204514321560661,"num_words":24,"start":485.97,"end":503.455},{"sentences":[{"text":"Okay.","start":546.65,"end":546.89,"sentiment":"neutral","sentiment_score":0.32717305421829224},{"text":"So if if he if he continues for some some blessings for my team, if we continue to say, my contributions remain the more or less the same amount per next year twenty years, where we will be standing at the point And and what is our projections for next ten years and next twenty years with we doing some kind of just regular investments into the market?","start":546.89,"end":572.89,"sentiment":"neutral","sentiment_score":0.24489999047535307},{"text":"Okay.","start":586.875,"end":587.375,"sentiment":"neutral","sentiment_score":0.32322433590888977},{"text":"So if you continue with that same same amount of investments, we will be we'll be reaching around million dollars in twenty years.","start":587.515,"end":595.48004,"sentiment":"positive","sentiment_score":0.4037137251833211},{"text":"And and and yeah.","start":597.30005,"end":600.36005,"sentiment":"neutral","sentiment_score":0.1357872299849987}],"sentiment":"neutral","sentiment_score":0.2797130035217275,"num_words":97,"start":546.65,"end":600.36005},{"sentences":[{"text":"Yeah.","start":600.5,"end":600.82,"sentiment":"neutral","sentiment_score":0.14294511079788208},{"text":"Yeah.","start":600.82,"end":600.98004,"sentiment":"neutral","sentiment_score":0.08583397418260574},{"text":"No.","start":600.98004,"end":601.22003,"sentiment":"neutral","sentiment_score":-0.017405107617378235},{"text":"Go ahead.","start":601.22003,"end":601.80005,"sentiment":"neutral","sentiment_score":0.024829275906085968},{"text":"Okay.","start":639.675,"end":640.175,"sentiment":"neutral","sentiment_score":0.11683554947376253}],"sentiment":"neutral","sentiment_score":0.06297801310817401,"num_words":6,"start":600.5,"end":640.175},{"sentences":[{"text":"That's that's long term, but we we can discuss the fact that we need to think of, but it's a long term.","start":640.235,"end":645.455,"sentiment":"neutral","sentiment_score":0.0264183601195162},{"text":"But so so so what we're saying is coming back to our conversation.","start":645.59503,"end":651.39,"sentiment":"neutral","sentiment_score":0.04919958888338162},{"text":"So in in case of we stopping it to 50 percentage, right, keeping keeping the 50 percentage intact and only it's like 50 percentage by first month after ten years, right, at the age of April.","start":651.69,"end":664.77496,"sentiment":"neutral","sentiment_score":0.06003232693506612},{"text":"Currently, I'm 45.","start":664.77496,"end":666.235,"sentiment":"neutral","sentiment_score":-0.034772017349799476},{"text":"55, if we say, they do only 50 percentage of investments and continue with only contributions and 50 percentage keeping in this kind of 50 or the term deposit kind of thing.","start":666.69495,"end":679.75,"sentiment":"neutral","sentiment_score":-0.013409583450993523}],"sentiment":"neutral","sentiment_score":0.026873015332967043,"num_words":106,"start":640.235,"end":679.75},{"sentences":[{"text":"So if we go down the path, that that we will be at the age of 65 in another twenty years.","start":680.21,"end":687.35004,"sentiment":"neutral","sentiment_score":-0.06653413229754992},{"text":"That will be still around the same million dollars or we are we saying less than that one or maybe more than that one?","start":689.125,"end":694.745,"sentiment":"neutral","sentiment_score":-0.09336265440409382},{"text":"Okay.","start":714.8,"end":715.3,"sentiment":"neutral","sentiment_score":0.0931682139635086},{"text":"Okay.","start":720.075,"end":720.395,"sentiment":"neutral","sentiment_score":0.05666205286979675},{"text":"So you you are projecting 1,000,000 in 10 itself, is it?","start":720.395,"end":723.67505,"sentiment":"neutral","sentiment_score":0.049583309922705994}],"sentiment":"neutral","sentiment_score":-0.050735755309719466,"num_words":58,"start":680.21,"end":723.67505},{"sentences":[{"text":"Not in twelve years.","start":723.67505,"end":724.55505,"sentiment":"neutral","sentiment_score":-0.08902467787265778},{"text":"Ten years itself, we are saying that we have been 1,000,000 or around a million.","start":724.55505,"end":729.375,"sentiment":"neutral","sentiment_score":-0.008948131029804548},{"text":"So 10 to 12 will be around a million if the contribution continues as such.","start":730.41,"end":735.23,"sentiment":"neutral","sentiment_score":0.06927259167035421},{"text":"Okay.","start":753.355,"end":753.855,"sentiment":"neutral","sentiment_score":0.11356352269649506},{"text":"Yeah.","start":769.61005,"end":770.11005,"sentiment":"neutral","sentiment_score":0.02100428193807602}],"sentiment":"neutral","sentiment_score":0.018981555632005136,"num_words":36,"start":723.67505,"end":770.11005},{"sentences":[{"text":"Yeah.","start":770.25,"end":770.75,"sentiment":"neutral","sentiment_score":0.0017344504594802856},{"text":"So going back to the conversation.","start":771.075,"end":772.835,"sentiment":"neutral","sentiment_score":-0.0012053608273466427},{"text":"Right?","start":772.835,"end":773.075,"sentiment":"neutral","sentiment_score":-0.00959807075560093},{"text":"How about so what will be the impact or what what will be the outcome if I have to take something out of the super to book the property?","start":773.075,"end":781.335,"sentiment":"neutral","sentiment_score":-0.08104447044175246},{"text":"Is it still a good option to think of instead of doing this investment in the market or buying a property?","start":783.08997,"end":791.11,"sentiment":"neutral","sentiment_score":-0.04026707882682482}],"sentiment":"neutral","sentiment_score":-0.05536196695576454,"num_words":58,"start":770.25,"end":791.11},{"sentences":[{"text":"Mhmm.","start":797.735,"end":798.235,"sentiment":"neutral","sentiment_score":0.04390738159418106},{"text":"Just be my super.","start":806.21497,"end":807.595,"sentiment":"neutral","sentiment_score":0.3197336569428444},{"text":"Mhmm.","start":825.06,"end":825.56,"sentiment":"neutral","sentiment_score":0.028973113745450977},{"text":"Mhmm.","start":869.055,"end":869.555,"sentiment":"neutral","sentiment_score":0.030285779386758804},{"text":"Yeah.","start":886.695,"end":887.195,"sentiment":"neutral","sentiment_score":0.036599300801754}],"sentiment":"neutral","sentiment_score":0.1773375254124403,"num_words":8,"start":797.735,"end":887.195},{"sentences":[{"text":"I so it's for the set of petrols with with the same somewhere around the $10,000 you are paying.","start":887.495,"end":893.35504,"sentiment":"neutral","sentiment_score":0.028415067807624216},{"text":"Is that what I understand?","start":893.495,"end":895.115,"sentiment":"neutral","sentiment_score":0.03452495485544205},{"text":"Okay.","start":912.51,"end":912.975,"sentiment":"neutral","sentiment_score":0.037863247096538544},{"text":"And then is there any minimum that you want to say that when you say that we should be having from $2.50?","start":913.21497,"end":918.89496,"sentiment":"neutral","sentiment_score":0.02141946435651996},{"text":"So that's the minimum amount that we should be having in super to take it out, is it?","start":918.89496,"end":924.355,"sentiment":"neutral","sentiment_score":0.029649364658527903}],"sentiment":"neutral","sentiment_score":0.027004478298700774,"num_words":65,"start":887.495,"end":924.355},{"sentences":[{"text":"Okay.","start":944.695,"end":945.195,"sentiment":"neutral","sentiment_score":0.007976826280355453},{"text":"And and and our current balance sitting in $2.30, am I still eligible to take it out or probably may not be eligible to even to do that one?","start":946.695,"end":958.26,"sentiment":"neutral","sentiment_score":-0.07212171903146165},{"text":"Okay.","start":964.445,"end":964.945,"sentiment":"neutral","sentiment_score":0.28224194049835205},{"text":"Hi.","start":980.39996,"end":980.63995,"sentiment":"neutral","sentiment_score":0.0601310171186924},{"text":"So it's been high time.","start":980.63995,"end":981.88,"sentiment":"neutral","sentiment_score":0.0706610545516014}],"sentiment":"neutral","sentiment_score":-0.03654869656181998,"num_words":37,"start":944.695,"end":981.88},{"sentences":[{"text":"I think it's been five to six years.","start":981.88,"end":983.83997,"sentiment":"neutral","sentiment_score":0.03070209384895861},{"text":"I've for five years, I keep saying that I should invest something at the property, but I'm not I'm not able to I've not managed to do that one.","start":983.83997,"end":992.88,"sentiment":"neutral","sentiment_score":-0.13913611919972405},{"text":"So so discussing with the people and family and friends, I think that one of the options that came through recently is about this self managed super kind of thing.","start":992.88,"end":1003.16504,"sentiment":"neutral","sentiment_score":0.02444067063430945},{"text":"So I I thought either it will be it will be either or only.","start":1003.705,"end":1007.625,"sentiment":"neutral","sentiment_score":-0.11648212160382952},{"text":"Right?","start":1007.625,"end":1007.86505,"sentiment":"neutral","sentiment_score":-0.13217094540596008}],"sentiment":"neutral","sentiment_score":-0.05876867359549534,"num_words":82,"start":981.88,"end":1007.86505},{"sentences":[{"text":"I cannot pay a salary and the one that I'm paying for the mortgages and all, I will not be able to manage two investment profit at this stage.","start":1007.86505,"end":1019.31,"sentiment":"negative","sentiment_score":-0.38619282225082663},{"text":"It will be either through super or super only.","start":1019.52997,"end":1022.73,"sentiment":"neutral","sentiment_score":-0.013574413541290496},{"text":"So I'm still still looking for my partner to start start a new job for us.","start":1022.73,"end":1029.215,"sentiment":"neutral","sentiment_score":0.022532444601893076},{"text":"So only when only when she's at this time, then I will be able to even think of that one.","start":1029.755,"end":1034.495,"sentiment":"neutral","sentiment_score":0.03743583932518959},{"text":"So that time, a year year I can wait.","start":1034.715,"end":1038.99,"sentiment":"neutral","sentiment_score":0.030665048708518345}],"sentiment":"neutral","sentiment_score":-0.11971735215222698,"num_words":83,"start":1007.86505,"end":1038.99},{"sentences":[{"text":"So then there could be some if she goes for work and there could be some some contributions from work to be super.","start":1039.53,"end":1048.67,"sentiment":"neutral","sentiment_score":0.0825963389614354},{"text":"I can see whether I can combine both and try to take something.","start":1049.055,"end":1052.435,"sentiment":"neutral","sentiment_score":0.19672549573274759},{"text":"Or based upon our income, then I can think of whether I will be able to manage with our income itself without disturbing the super whether I will be able to do some kind of investment property.","start":1053.055,"end":1063.875,"sentiment":"neutral","sentiment_score":0.10161328799015767},{"text":"We can we can find that for for that for one one more year.","start":1064.25,"end":1068.81,"sentiment":"neutral","sentiment_score":0.001823069793837411},{"text":"Yeah.","start":1068.81,"end":1069.31,"sentiment":"neutral","sentiment_score":0.06080915033817291}],"sentiment":"neutral","sentiment_score":0.09435421617870982,"num_words":88,"start":1039.53,"end":1069.31},{"sentences":[{"text":"We'll see how we go.","start":1069.37,"end":1070.83,"sentiment":"neutral","sentiment_score":0.06941006928682328},{"text":"Mhmm.","start":1084.635,"end":1085.135,"sentiment":"neutral","sentiment_score":-0.03663057833909989},{"text":"Okay.","start":1087.435,"end":1087.935,"sentiment":"neutral","sentiment_score":0.10923188924789427},{"text":"Makes sense.","start":1088.3151,"end":1088.875,"sentiment":"neutral","sentiment_score":0.1326454095542431},{"text":"Yeah.","start":1088.875,"end":1089.375,"sentiment":"positive","sentiment_score":0.39916300773620605}],"sentiment":"neutral","sentiment_score":0.1084105484187603,"num_words":10,"start":1069.37,"end":1089.375},{"sentences":[{"text":"Okay.","start":1101.36,"end":1101.86,"sentiment":"neutral","sentiment_score":0.07564622163772583},{"text":"Yes.","start":1117.7849,"end":1118.2849,"sentiment":"neutral","sentiment_score":0.09886082261800766},{"text":"Yeah.","start":1118.345,"end":1118.745,"sentiment":"neutral","sentiment_score":0.12938296794891355},{"text":"It will continue.","start":1118.745,"end":1119.485,"sentiment":"neutral","sentiment_score":0.1208427424232165},{"text":"I I signed up a couple of documents for my super kind of not kind of will, but I I think nominees kind of thing I submitted some documents with.","start":1127.48,"end":1139.7949,"sentiment":"neutral","sentiment_score":0.007132854436834654}],"sentiment":"neutral","sentiment_score":0.02445566312720378,"num_words":36,"start":1101.36,"end":1139.7949},{"sentences":[{"text":"It's a different my partner and my son nominate here.","start":1140.895,"end":1145.2949,"sentiment":"neutral","sentiment_score":0.006313437409698963},{"text":"I did that one already.","start":1145.2949,"end":1146.595,"sentiment":"neutral","sentiment_score":0.03379182815551758},{"text":"A little bit later.","start":1154.25,"end":1156.75,"sentiment":"neutral","sentiment_score":-0.002056386787444353},{"text":"Ah, yes.","start":1165.3701,"end":1166.1201,"sentiment":"neutral","sentiment_score":0.01377012999728322},{"text":"Yes.","start":1177.2849,"end":1177.7849,"sentiment":"neutral","sentiment_score":-0.0017091380432248116}],"sentiment":"neutral","sentiment_score":0.011349958621642807,"num_words":22,"start":1140.895,"end":1177.7849},{"sentences":[{"text":"Yes.","start":1180.6449,"end":1181.1449,"sentiment":"neutral","sentiment_score":0.030145317316055294},{"text":"Yes.","start":1194.115,"end":1194.615,"sentiment":"neutral","sentiment_score":0.043032869696617126},{"text":"Yes.","start":1202.595,"end":1203.095,"sentiment":"neutral","sentiment_score":0.05924104154109955},{"text":"Yes.","start":1215.61,"end":1215.9299,"sentiment":"neutral","sentiment_score":0.04679984971880913},{"text":"We do have some I have got some kind of the equity in my account.","start":1215.9299,"end":1220.99,"sentiment":"neutral","sentiment_score":0.04402751525243123}],"sentiment":"neutral","sentiment_score":0.044191147739949976,"num_words":19,"start":1180.6449,"end":1220.99},{"sentences":[{"text":"It is it is close to 120.","start":1234.665,"end":1237.085,"sentiment":"neutral","sentiment_score":0.02126922006053584},{"text":"It's close to yeah.","start":1238.27,"end":1239.07,"sentiment":"neutral","sentiment_score":0.0246652839705348},{"text":"120 150.","start":1239.07,"end":1240.69,"sentiment":"neutral","sentiment_score":0.012326470576226711},{"text":"Ah, yeah.","start":1247.07,"end":1247.39,"sentiment":"neutral","sentiment_score":0.07290642336010933},{"text":"It's offset count.","start":1247.39,"end":1248.27,"sentiment":"neutral","sentiment_score":0.07236888880530994}],"sentiment":"neutral","sentiment_score":0.03528434058858289,"num_words":18,"start":1234.665,"end":1248.27},{"sentences":[{"text":"Yeah.","start":1248.27,"end":1248.77,"sentiment":"neutral","sentiment_score":0.2667683959007263},{"text":"Sorry.","start":1267.33,"end":1267.6499,"sentiment":"neutral","sentiment_score":-0.07575608789920807},{"text":"Sorry.","start":1267.6499,"end":1267.8899,"sentiment":"neutral","sentiment_score":-0.08088448643684387},{"text":"Can you come again?","start":1267.8899,"end":1268.7899,"sentiment":"neutral","sentiment_score":-0.05994511116296053},{"text":"Yeah.","start":1277.8899,"end":1278.3899,"sentiment":"neutral","sentiment_score":0.05245891958475113}],"sentiment":"neutral","sentiment_score":-0.009649212937802076,"num_words":8,"start":1248.27,"end":1278.3899},{"sentences":[{"text":"Uh-huh.","start":1283.215,"end":1283.615,"sentiment":"neutral","sentiment_score":0.04936739429831505},{"text":"Nothing else.","start":1283.615,"end":1284.4349,"sentiment":"neutral","sentiment_score":0.041148288175463676},{"text":"Same, man.","start":1291.375,"end":1292.195,"sentiment":"positive","sentiment_score":0.47477275133132935},{"text":"Mhmm.","start":1318.775,"end":1319.275,"sentiment":"neutral","sentiment_score":0.06664375960826874},{"text":"Okay.","start":1319.3351,"end":1319.8351,"sentiment":"neutral","sentiment_score":0.10500878095626832}],"sentiment":"neutral","sentiment_score":0.17898028769663402,"num_words":7,"start":1283.215,"end":1319.8351},{"sentences":[{"text":"Mhmm.","start":1325.6,"end":1326.1,"sentiment":"neutral","sentiment_score":0.08147245645523071},{"text":"Okay.","start":1338.505,"end":1339.005,"sentiment":"neutral","sentiment_score":0.011233702301979063},{"text":"Mhmm.","start":1353.76,"end":1354.26,"sentiment":"neutral","sentiment_score":-0.033724576234817505},{"text":"Okay.","start":1358.16,"end":1358.64,"sentiment":"neutral","sentiment_score":-0.0332961231470108},{"text":"Yes.","start":1358.64,"end":1359.14,"sentiment":"neutral","sentiment_score":-0.00782102718949318}],"sentiment":"neutral","sentiment_score":0.003572886437177658,"num_words":5,"start":1325.6,"end":1359.14},{"sentences":[{"text":"Okay.","start":1363.0399,"end":1363.5399,"sentiment":"neutral","sentiment_score":0.03871019184589386},{"text":"Please.","start":1363.6,"end":1364.1,"sentiment":"neutral","sentiment_score":0.03472718596458435},{"text":"Yeah.","start":1364.48,"end":1364.98,"sentiment":"neutral","sentiment_score":0.031022176146507263},{"text":"That's fine.","start":1373.085,"end":1373.885,"sentiment":"neutral","sentiment_score":0.100776806473732},{"text":"Yes.","start":1373.885,"end":1374.385,"sentiment":"neutral","sentiment_score":0.12141071259975432}],"sentiment":"neutral","sentiment_score":0.07123731325070064,"num_words":6,"start":1363.0399,"end":1374.385},{"sentences":[{"text":"Yeah.","start":1394.035,"end":1394.355,"sentiment":"neutral","sentiment_score":0.03990574926137924},{"text":"Okay.","start":1394.355,"end":1394.855,"sentiment":"neutral","sentiment_score":0.042068541049957275},{"text":"Yes.","start":1410.44,"end":1410.84,"sentiment":"neutral","sentiment_score":0.2685125470161438},{"text":"I'll be to continue for some time.","start":1410.84,"end":1412.2,"sentiment":"neutral","sentiment_score":0.18133236467838287},{"text":"Yeah.","start":1412.2,"end":1412.7,"sentiment":"neutral","sentiment_score":0.1675151288509369}],"sentiment":"neutral","sentiment_score":0.1624844108115543,"num_words":11,"start":1394.035,"end":1412.7},{"sentences":[{"text":"Okay.","start":1435.655,"end":1436.155,"sentiment":"neutral","sentiment_score":0.12449699640274048},{"text":"Okay.","start":1466.175,"end":1466.495,"sentiment":"neutral","sentiment_score":0.038763001561164856},{"text":"Yeah.","start":1466.495,"end":1466.735,"sentiment":"neutral","sentiment_score":0.034075528383255005},{"text":"Yeah.","start":1466.735,"end":1466.975,"sentiment":"neutral","sentiment_score":0.031616318970918655},{"text":"Yeah.","start":1466.975,"end":1467.475,"sentiment":"neutral","sentiment_score":0.06124810129404068}],"sentiment":"neutral","sentiment_score":0.058039989322423935,"num_words":5,"start":1435.655,"end":1467.475},{"sentences":[{"text":"I think six months is also fine.","start":1484.4149,"end":1487.315,"sentiment":"neutral","sentiment_score":0.056246571242809296},{"text":"Currently, we are sitting in May sometime sometime before end of this year.","start":1487.5349,"end":1491.635,"sentiment":"neutral","sentiment_score":0.022000091866805002},{"text":"If you can do catch up, that will be really really helpful.","start":1492.1749,"end":1495.315,"sentiment":"neutral","sentiment_score":0.22322994222243628},{"text":"Say, by by November.","start":1498.12,"end":1499.3401,"sentiment":"neutral","sentiment_score":-0.003615248017013073},{"text":"Yeah.","start":1499.64,"end":1500.14,"sentiment":"neutral","sentiment_score":0.003906937316060066}],"sentiment":"neutral","sentiment_score":0.09048466067257765,"num_words":37,"start":1484.4149,"end":1500.14},{"sentences":[{"text":"Yeah.","start":1500.36,"end":1500.6,"sentiment":"neutral","sentiment_score":-0.009746085852384567},{"text":"Yeah.","start":1500.6,"end":1500.92,"sentiment":"neutral","sentiment_score":-0.02374214679002762},{"text":"Now, but it's not really fine.","start":1500.92,"end":1502.9401,"sentiment":"neutral","sentiment_score":-0.11405447746316592},{"text":"Yes.","start":1516.635,"end":1517.115,"sentiment":"neutral","sentiment_score":0.06981776654720306},{"text":"Sure.","start":1517.115,"end":1517.4349,"sentiment":"positive","sentiment_score":0.5828916430473328}],"sentiment":"neutral","sentiment_score":-0.006510568782687187,"num_words":10,"start":1500.36,"end":1517.4349},{"sentences":[{"text":"Thank you.","start":1517.4349,"end":1518.1749,"sentiment":"positive","sentiment_score":0.7952792048454285},{"text":"Nothing.","start":1525.7001,"end":1526.2001,"sentiment":"neutral","sentiment_score":-0.04900423437356949},{"text":"Nothing.","start":1526.26,"end":1526.5801,"sentiment":"neutral","sentiment_score":-0.04681028425693512},{"text":"Thank you for your time.","start":1526.5801,"end":1527.62,"sentiment":"positive","sentiment_score":0.41563281416893005},{"text":"Yeah.","start":1527.62,"end":1528.12,"sentiment":"positive","sentiment_score":0.5049095749855042}],"sentiment":"positive","sentiment_score":0.4077817536890507,"num_words":10,"start":1517.4349,"end":1528.12},{"sentences":[{"text":"Sure.","start":1539.195,"end":1539.595,"sentiment":"neutral","sentiment_score":0.24295446276664737},{"text":"We'll do that one.","start":1539.595,"end":1540.3949,"sentiment":"positive","sentiment_score":0.38193851709365845},{"text":"Yeah.","start":1540.3949,"end":1540.5549,"sentiment":"neutral","sentiment_score":0.327730268239975},{"text":"Thank you.","start":1540.5549,"end":1541.2949,"sentiment":"positive","sentiment_score":0.662767767906189},{"text":"You too.","start":1545.755,"end":1546.3949,"sentiment":"positive","sentiment_score":0.39391084015369415}],"sentiment":"positive","sentiment_score":0.42117960155010226,"num_words":10,"start":1539.195,"end":1546.3949},{"sentences":[{"text":"Bye.","start":1546.3949,"end":1546.8949,"sentiment":"neutral","sentiment_score":0.27387070655822754}],"sentiment":"neutral","sentiment_score":0.27387070655822754,"num_words":1,"start":1546.3949,"end":1546.8949}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, mister Subaraman. It's Tommy here, senior adviser from. How are you doing?\n\nChannel 1: Hey, Tommy. Good. Thank you. How are you?\n\nChannel 0: Man, living the dream. It's been a fantastic day. How about yours?\n\nChannel 1: All good. Fantastic\n\nChannel 0: Can't complain.\n\nChannel 1: weather in\n\nChannel 0: Fair\n\nChannel 1: Sydney.\n\nChannel 0: enough. Good, mate.\n\nChannel 1: Oh,\n\nChannel 0: Good.\n\nChannel 1: coffee today. Coffee\n\nChannel 0: I've got\n\nChannel 1: today.\n\nChannel 0: this\n\nChannel 1: Yes,\n\nChannel 0: annual\n\nChannel 1: sir.\n\nChannel 0: review. Oh, sorry?\n\nChannel 1: I'm I'm in office as well, so good I'm at a good place. Just came to some silent\n\nChannel 0: Perfect.\n\nChannel 1: place as well, so I was waiting for your call.\n\nChannel 0: Awesome. I appreciate that. And how much time do I have with you today? I won't take up too much, but just so I know.\n\nChannel 1: I'm I've logged thirty minutes off my calendar so we can we can discuss.\n\nChannel 0: That's perfect. Now I'm gonna shoot through your annual review pack to your email. Do you mind\n\nChannel 1: Yeah.\n\nChannel 0: if I just double check a quick security check with you, sir?\n\nChannel 1: Yeah.\n\nChannel 0: Cool. I've got the call recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105. Could I please confirm your date of birth and address?\n\nChannel 1: It's twenty two zero seven nineteen eighty. Another is 20\n\nChannel 0: Mhmm.\n\nChannel 1: Balfour State, telephone 2762.\n\nChannel 0: Perfect. Now will you be able to look on to this email that I'm sending through to you today, or should I just walk you through what's coming through?\n\nChannel 1: You can start working through, and the meantime, we'll try to open the email as well.\n\nChannel 0: Yep. No worries. Now is there anything in particular that you're looking for for this review, sir?\n\nChannel 1: Yes. I want to know how how the investments that we have done is looking for. I mean, with the the market being kind of fluctuating with the the West war, What's happening with my superannuation and and also I want to know whether the people are talking about this SMS or SMS kind of thing. Right? We're investing using our super.\n\nHow good it is and whether we can do that one. So I want to know more about that one as\n\nChannel 0: Yep. Absolutely. So\n\nChannel 1: well.\n\nChannel 0: what I'll do today, we'll go through your super performance and I'll talk to you about SMSF.\n\nChannel 1: Yeah.\n\nChannel 0: I will just need to double check your details that we have on file because we have a new system. Just wanna see if anything changed in your life and just touch on your insurances briefly and your beneficiaries, and that's pretty much it.\n\nChannel 1: Okay.\n\nChannel 0: Now what I've got coming through to you first is a performance update from NetWell. Now I had a bit of a look at your portfolio because we've made some changes recently. The good news is do you you remember you're, like, in a high growth portfolio mostly in, like, shares, property, gold? Does that ring a bell?\n\nChannel 1: No.\n\nChannel 0: Okay. So the way I see your portfolio is you're pretty much in what we call like a high risk. So all of your money is in growth assets like shares and gold and property, and\n\nChannel 1: Mhmm.\n\nChannel 0: the whole point there is to get the high return. Once you've got your your million dollars, when you're closer to retirement, we can obviously protect it because you probably don't wanna be high risk at age 64 and you lose half your throughput. Do you know what I mean?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Yep. Now it is still positive for the year. I'm looking at all of the year's returns. You had it go up 20%, 16%, 16%, and this year it's up about 1%. The stock market, it went up 10% Christmas time, and then it came back down.\n\nSo it's pretty well flat at the moment. Now your\n\nChannel 1: No.\n\nChannel 0: balance, if that makes sense, you're with 215,000 a year ago, and you're sitting at 231,000 now.\n\nChannel 1: Okay. Very good. Yeah.\n\nChannel 0: Cool? Now that's mainly, obviously, because of your contributions are really good from what. And one thing that I have to let you know is that all of the investment options that you've got, they've been performing really good. You you had your gold go up 22%. Your American shares up 16%.\n\nEverything's looking really good. There was one option in Christmas time that did really bad out of the eight that you have, and that was the Australian shares that you have in Bennelong.\n\nChannel 1: Mhmm.\n\nChannel 0: Now that went down pretty heavily around Christmas about 16%. So one thing that we did normally, when I do a review with you, we would discuss maybe doing some changes we need to, but we made a licensee decision across all clients in Netwealth because\n\nChannel 1: Mhmm.\n\nChannel 0: this funds was doing a lot worse than the Australian market, and it wasn't picking back up again. So we actually switched that out across all clients about two months ago, and it's gone back\n\nChannel 1: Okay.\n\nChannel 0: into the positive now.\n\nChannel 1: Okay.\n\nChannel 0: Okay. How does that sound for you so far?\n\nChannel 1: Pretty good. Yeah. We can continue. Yeah.\n\nChannel 0: Yep. Now one of the things I was looking at was your original advice from Sevvy in 2020. We had you trying to get to around about 209,000 by this year, and you're sitting at 231,000. So you're still above where we were projecting originally as well back in 2020.\n\nChannel 1: Okay. Very, very good. So it's a combination of the my contributions plus the the market. Right? The investments we have done.\n\nChannel 0: Yes. Correct.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Now one thing I wanna check with you is the general plan for you, we had you wanting to retire around about age 65. You can access your super at 60. That's your preservation age. Are you wanting to retire as early as possible, or is 65 still your goal?\n\nChannel 1: 65.\n\nChannel 0: Yep. So one thing that I kind of look at there is if that's still about twenty years away, normal market fluctuation cycles around about seven years. So that kind of gives us about fourteen years to get as much growth as possible. And in the last\n\nChannel 1: Mhmm.\n\nChannel 0: six years, we have to slowly protect it. So instead of having all your money in shares, gold, and property, in the last six years, we've reduced it down to, like, 90%, eighty, seventy, 60.\n\nChannel 1: Yep. That was that was the question that exactly popped in my mind now. So is our 100% of the money is currently in in the in the rotation of investment? Are are we using only 70% of the money and keeping some of the amount in stock kind of thing? What we're doing currently?\n\nChannel 0: Yes. So everything is currently invested. And when your contributions come in from work, we spread them between all the different investment options. So it's kind of like a a dollar cost averaging strategy. So if the market goes up or down, every month your contributions come in and we can keep buying in all those different assets.\n\nChannel 1: Okay. And and\n\nChannel 0: Okay.\n\nChannel 1: you are\n\nChannel 0: So\n\nChannel 1: saying\n\nChannel 0: I just wanna\n\nChannel 1: and and you are saying that over the period, so we will try to reduce that investment as we get older. We will try to reduce the and then we are making investments, giving some buffer. That's what you are trying to say.\n\nChannel 0: Yes. And when you get to that that age, maybe 55, 56, or a little bit older, we put more into fixed interest like bonds and term deposits for safer returns more and more as you get to those last few years.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Now are you comfortable with that kind of high growth approach still at the moment?\n\nChannel 1: Yes. At the moment, it should be fine. As long\n\nChannel 0: Yep.\n\nChannel 1: as we are\n\nChannel 0: Now\n\nChannel 1: going in a positive way, it should be fine. Yeah.\n\nChannel 0: yeah. And one of the things I've got to kind of warn is that with everything going on in the market, it's gonna go up and down a lot this year and because returns for super, it's a percentage base. So if you go up or down 10% because of your balance, it's gonna go up or down $2,030,000 dollars every couple of months. Now when you get closer to retirement, once you build up 500,000, it's gonna be going up and down 50,000 a year. And when you get 700,000, it's gonna be going up $7,080,000 dollars a year.\n\nSo the bigger your balance, the more it's gonna swing compared to what you're putting in as contributions.\n\nChannel 1: Okay. So if if he if he continues for some some blessings for my team, if we continue to say, my contributions remain the more or less the same amount per next year twenty years, where we\n\nChannel 0: Yeah.\n\nChannel 1: will be standing at the point And and what is our projections for next ten years and next twenty years with we doing some kind of just regular investments into the market?\n\nChannel 0: Yeah. So as it stands currently with your investments and your contribution, you should still be able to clear about a million dollars pretty comfortably.\n\nChannel 1: Okay. So if you continue with that same same amount of investments, we will be we'll be reaching around million dollars in twenty years.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: And what\n\nChannel 1: and\n\nChannel 0: that means\n\nChannel 1: and\n\nChannel 0: yeah. Go ahead.\n\nChannel 1: yeah. Yeah. Yeah. No. Go ahead.\n\nChannel 0: When you've got a million there and you've got your pension account, you can pull out, say, 5% deliver, which I think we had your goal at around about 900 to $1,000 a week with your mortgage paid off. And what that means is if you only pull out, say, 50,000 a year in today's dollars, it means that by the end of, let's say, when you're 90 or 100 years old, you should still have seven or eight hundred thousand dollars there to pass on to the family as a bit of a legacy.\n\nChannel 1: Okay. That's that's long term, but we we can discuss the fact that we need to think of, but it's a long term. But so\n\nChannel 0: Yeah.\n\nChannel 1: so so what we're saying is coming back to our conversation. So in in case of we stopping it to 50 percentage, right, keeping keeping the 50 percentage intact and only it's like 50 percentage by first month after ten years, right, at the age of April. Currently, I'm 45. 55, if we say, they do only 50 percentage of investments and continue with only contributions and 50 percentage keeping in this kind of 50 or the term deposit kind of thing. So if we go down the path, that that we will be at the age of 65 in another twenty years.\n\nThat will be still around the same million dollars or we are we saying less than that one or maybe more than that one?\n\nChannel 0: Great question. So I'm still think I'm still predicting the million dollars when we get to the point of age 56, maybe 57, and then that's when we're gonna reduce it down to, like, 80%, 60%, fifty, forty over a six year period. And so it'll\n\nChannel 1: Okay.\n\nChannel 0: still grow a little bit, so maybe the 1.2, 1.3 depending.\n\nChannel 1: Okay. So you you are projecting 1,000,000 in 10 itself, is it? Not in twelve years. Ten years itself, we are saying that we have been 1,000,000\n\nChannel 0: Yeah. About\n\nChannel 1: or around\n\nChannel 0: 10\n\nChannel 1: a\n\nChannel 0: to\n\nChannel 1: million.\n\nChannel 0: 12.\n\nChannel 1: So 10 to 12 will be around a million if the contribution\n\nChannel 0: Yeah. So\n\nChannel 1: continues as such.\n\nChannel 0: correct. This is kind of your period where everyone hits 45, 46, and you've got really good income. And going from that 250,000 up to the million really happens between age 45 and 56, and then you've got to protect it.\n\nChannel 1: Okay.\n\nChannel 0: Okay? Now I don't think you need to put any extra in. You don't need to do any salary sacrifice or anything. You can if you want to. It's a little bit but you have to modify the call for about getting investment properties and things like that.\n\nChannel 1: Yeah. Yeah. So going back to the conversation. Right? How about so what will be the impact or what what will be the outcome if I have to take something out of the super to book the property?\n\nIs it still a good option to think of instead of doing this investment in the market or buying a property?\n\nChannel 0: Well so for the self managed super fund, what you've essentially gotta do is\n\nChannel 1: Mhmm.\n\nChannel 0: find out kind of what properties you're looking to buy. And will you be using any super with your partner or just be your super?\n\nChannel 1: Just be my super.\n\nChannel 0: Okay. So normally, the minimum to buy the investment property using the super, you wanna have about 250, 260,000 because the deposits are a lot bigger for loading to a super fund.\n\nChannel 1: Mhmm.\n\nChannel 0: Now once you do that so to do a self managed super fund, you usually use an accountant, and they set up a trust fund in the company to set up your own super. And then you you basically put in place a bank account to put all the money into, and from that bank account, you go and do a loan to buy the property, which needs another trust fund and another company. So you've got to set up two trust funds and two companies, that's $5,000. And then the advice to do the property and investing everything else, that's probably another 4,500 from the advisers. So accountant\n\nChannel 1: Mhmm.\n\nChannel 0: charges to set up all of the trust in company, and the adviser charges to set up the bank account, the strategy, and the investment account for your new super fund.\n\nChannel 1: Yeah. I so it's for the set of petrols with with the same somewhere around the $10,000 you are paying. Is that what I understand?\n\nChannel 0: Yeah. Outside of anything for a property cost. Like, you know, when you go to buy a property, it's a stamp duty or or real estate fees and things like that. It's about 10,000 for the cost of the accounts within the adviser.\n\nChannel 1: Okay. And then is there any minimum that you want to say that when you say that we should be having from $2.50? So that's the minimum amount that we should be having in super to take it out, is it?\n\nChannel 0: Yeah. Minimum $2.50. And if you're doing it just by yourself on your own contributions, probably more towards about $2.80 or 300 depending on how big of a property you wanna buy. Because it's gonna be a new property because you can't buy an old one and renovate it. So it has to be kind of like a new property.\n\nChannel 1: Okay. And and and our current balance sitting in $2.30, am I still eligible to take it out or probably may not be eligible to even to do that one?\n\nChannel 0: Probably in about one year's time, would be looking pretty good.\n\nChannel 1: Okay.\n\nChannel 0: Now I'll just write this down so it's on your goals in your file. But are you thinking of getting an investment property personal and in super, like getting two?\n\nChannel 1: Hi. So it's been high time. I think it's been five to six years. I've for five years, I keep saying that I should invest something at the property, but I'm\n\nChannel 0: Yeah.\n\nChannel 1: not I'm not able to I've not managed to do that one. So so discussing with the people and family and friends, I think that one of the options that came through recently is about this self managed super kind of thing. So I I thought either it will be it will be either or only. Right? I cannot pay a salary and the one that I'm paying for the mortgages and all, I will not be able to manage two investment profit at this stage.\n\nChannel 0: Yeah.\n\nChannel 1: It will be either through super or super only. So I'm still still looking for my\n\nChannel 0: Yep.\n\nChannel 1: partner to start start a new job for us. So only when only when she's at this time, then I will be able to even think of that one. So that time,\n\nChannel 0: Yeah.\n\nChannel 1: a year year I can wait. So then there could be some if she goes for work and there could be some some contributions from work to be super. I can see whether I can combine both and try to take something. Or based upon our income, then I can think of whether I will be able to manage with our income itself without disturbing the super whether I will be able to do some kind of investment property. We can we\n\nChannel 0: Yes.\n\nChannel 1: can find\n\nChannel 0: Yep.\n\nChannel 1: that for\n\nChannel 0: No.\n\nChannel 1: for\n\nChannel 0: That's\n\nChannel 1: that for\n\nChannel 0: fair\n\nChannel 1: one\n\nChannel 0: enough.\n\nChannel 1: one more year. Yeah. We'll see how we go.\n\nChannel 0: Yep. Yeah. And, also, I need to see what happens with the the federal budget tonight because of all the changes to capital gains tax and everything is gonna impact both the properties and superannuation. So\n\nChannel 1: Mhmm.\n\nChannel 0: we're gonna kind of research that as well.\n\nChannel 1: Okay. Makes sense. Yeah.\n\nChannel 0: Cool. Now can I just double check a couple of your details there, and then I'll just go through your insurances, and that should be pretty much it?\n\nChannel 1: Okay.\n\nChannel 0: Now with your estate planning, your partner was listed as your beneficiary for your super, and I'm just double checking if you wanted her still to receive the super and the life insurance if you passed away.\n\nChannel 1: Yes. Yeah. It will continue.\n\nChannel 0: Yep. Did you put\n\nChannel 1: I I signed up a couple of documents for my super kind of not kind of will, but I I think nominees kind of thing I submitted some documents with. It's a different\n\nChannel 0: Yeah.\n\nChannel 1: my partner\n\nChannel 0: That's\n\nChannel 1: and\n\nChannel 0: right.\n\nChannel 1: my son nominate here. I did that one already.\n\nChannel 0: Okay. Cool. And are you thinking of putting in place a a will or a power of attorney at some point or a little bit\n\nChannel 1: A\n\nChannel 0: later?\n\nChannel 1: little bit later.\n\nChannel 0: Yep. With your occupation, are you still senior architect for TPG?\n\nChannel 1: Ah, yes.\n\nChannel 0: Yep. And about 180,000? Yep. And I think we said you're putting away, hopefully, trying to save about\n\nChannel 1: Yes.\n\nChannel 0: $1,000 a month?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And with your assets, your property last check was valued at 1,000,000 with $750,000 loan. Is that pretty close?\n\nChannel 1: Yes.\n\nChannel 0: Yep. And I think the only other assets you had was the two cars, which was the Kia and the Hyundai.\n\nChannel 1: Yes.\n\nChannel 0: Okay. The only thing I need to note down, sir, is do you have anything put aside in savings at the moment or, like, emergency fund?\n\nChannel 1: Yes. We do have some I have got some kind of the equity in my account.\n\nChannel 0: So can I just put out an estimate? Is it, like, 5,000, 10,000, 20,000 for emergency savings?\n\nChannel 1: It is it is close to 120. It's close to yeah. 120 150. Ah, yeah. It's offset count.\n\nYeah.\n\nChannel 0: Amazing. Alright. So that's doing fantastic. So outside of paying down the mortgage, growing the super, maybe getting an investment property, anything else for gold for you guys?\n\nChannel 1: Sorry. Sorry. Can you come again?\n\nChannel 0: No. It's okay. With the your goals, we had you listing down to retire at 65, pay off the\n\nChannel 1: Yeah.\n\nChannel 0: mortgage, maybe get an investment property. Anything else you wanna do?\n\nChannel 1: Uh-huh. Nothing else.\n\nChannel 0: No. Simple. Pay off everything. Live happy. Be healthy.\n\nChannel 1: Same, man.\n\nChannel 0: Yep. Perfect. Alright. So last couple of things. I just wanna double check with your insurances.\n\nYou've got the tower insurance. I've sent you a certificate of currency so you know what you have. It's $1,300,000 of life insurance and disability insurance, which is to pay off the mortgage and get you four years worth of income replacement.\n\nChannel 1: Mhmm. Okay.\n\nChannel 0: Now it's not too expensive. It's only about a couple of grand coming out of the super, and you've\n\nChannel 1: Mhmm.\n\nChannel 0: also got your income protection. Now your income protection, if you're out of work for more than one month, it'll pay you monthly income of 9,000 for five years maximum.\n\nChannel 1: Okay.\n\nChannel 0: Okay. Now because your total premiums are just around 3,400, it's getting more expensive, and your next bill is in September for tal insurance.\n\nChannel 1: Mhmm.\n\nChannel 0: I'm gonna keep an eye on it and make sure it doesn't jump up too high because\n\nChannel 1: Okay.\n\nChannel 0: once\n\nChannel 1: Yes.\n\nChannel 0: you're in your fifties, it'll go up, like, $6,000 very quickly.\n\nChannel 1: Okay. Please. Yeah.\n\nChannel 0: So my two two quick questions for you. Is $1,300,000 still okay for the life insurer?\n\nChannel 1: That's fine. Yes.\n\nChannel 0: Yep. And for the income protection, just because your income has gone up, you could have $11,000 a month worth of cover, but you've got 9,000 a month. Is 9,000 a month still okay to pay the bill?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yep. Alright. Mate, last thing is I've in the annual review email I've sent you, there's a service agreement there. I just wanna double check. Are you still happy for Oakview to look after your super and still remain a client of ours?\n\nChannel 1: Yes. I'll be to continue for some time. Yeah.\n\nChannel 0: Okay. Now remember, the fees are 1.65%, and it's charged split into little monthly payments, and your super fund gets a 15% tax deduction for those. Now when you bring your partner on board, if you wanna do some joint super advice later, we do have a partner discount down to 1.1%. Okay?\n\nChannel 1: Okay.\n\nChannel 0: Okay. The new email is from OdooSign. When you click the button on that one, it has all the attachments at the bottom like a PDF. But when you go inside it, it'll ask you to scroll through the document, to read it all, make sure you're happy. And then when you click the little purple button, it'll put your signature on there.\n\nOkay? Yep. If you wanna draw it, you just click on the sign box and it'll let you draw it with your finger or your mouse,\n\nChannel 1: Okay.\n\nChannel 0: but\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: otherwise,\n\nChannel 1: Yeah.\n\nChannel 0: it would just stamp it. Awesome. Now outside of the catch up in a year for the investments and everything, do you want me to put in for any catch up this year? Like, every three months or six months, or you just wanna wait for the twelve months?\n\nChannel 1: I think six months is also fine. Currently, we are sitting in May sometime sometime before end of this year. If you can do catch up, that will be really really helpful.\n\nChannel 0: Yep. So a bit of\n\nChannel 1: Say, by\n\nChannel 0: a catch up\n\nChannel 1: by\n\nChannel 0: before\n\nChannel 1: November.\n\nChannel 0: Christmas.\n\nChannel 1: Yeah. Yeah. Yeah. Now, but it's not really fine.\n\nChannel 0: Perfect. Alright. I'll put in for six months. We'll see how the soup is going. Hopefully, it's going back up and the market's not crazy anymore.\n\nAnd then I'll put in a note and we can talk about the investments and the estimates that later as well.\n\nChannel 1: Yes. Sure. Thank you.\n\nChannel 0: Awesome. We've just hit the half an hour mark, sir. Hopefully, I've made good time there. Do you have any questions for me?\n\nChannel 1: Nothing. Nothing. Thank you for your time. Yeah.\n\nChannel 0: Awesome. You have a fantastic day. Thank you for your time. If you can just have a look at that email and give that a sign when you're comfortable. If not, just give us a call if you have any questions.\n\nOkay?\n\nChannel 1: Sure. We'll do that one. Yeah. Thank you.\n\nChannel 0: Awesome. Have a fantastic day. I'll see you later.\n\nChannel 1: You too. Bye.\n\nChannel 0: Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.32,"end":2.82,"sentiment":"neutral","sentiment_score":0.027420442551374435}],"sentiment":"neutral","sentiment_score":0.027420442551374435,"channel":1,"num_words":1,"start":2.32,"end":2.82},{"sentences":[{"text":"Good afternoon, mister Subaraman.","start":4.3199997,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.2398204393684864},{"text":"It's Tommy here, senior adviser from.","start":6.3199997,"end":8.4,"sentiment":"neutral","sentiment_score":0.12570764869451523},{"text":"How are you doing?","start":8.4,"end":9.139999,"sentiment":"neutral","sentiment_score":0.14205316454172134}],"sentiment":"neutral","sentiment_score":0.16298145055770874,"channel":0,"num_words":14,"start":4.3199997,"end":9.139999},{"sentences":[{"text":"Hey, Tommy.","start":9.44,"end":10.32,"sentiment":"neutral","sentiment_score":0.1452789381146431},{"text":"Good.","start":10.32,"end":10.48,"sentiment":"positive","sentiment_score":0.42951422929763794},{"text":"Thank you.","start":10.48,"end":10.8,"sentiment":"positive","sentiment_score":0.5527746379375458},{"text":"How are you?","start":10.8,"end":11.62,"sentiment":"positive","sentiment_score":0.34505094091097516}],"sentiment":"positive","sentiment_score":0.35759677551686764,"channel":1,"num_words":8,"start":9.44,"end":11.62},{"sentences":[{"text":"Man, living the dream.","start":12.08,"end":13.12,"sentiment":"positive","sentiment_score":0.6241381466388702},{"text":"It's been a fantastic day.","start":13.12,"end":14.32,"sentiment":"positive","sentiment_score":0.7774867415428162},{"text":"How about yours?","start":14.32,"end":15.219999,"sentiment":"positive","sentiment_score":0.48426492015520733}],"sentiment":"positive","sentiment_score":0.6530650878945986,"channel":0,"num_words":12,"start":12.08,"end":15.219999},{"sentences":[{"text":"All good.","start":16.025,"end":16.765,"sentiment":"positive","sentiment_score":0.5115523338317871},{"text":"Fantastic","start":18.425,"end":18.925,"sentiment":"positive","sentiment_score":0.5818250775337219}],"sentiment":"positive","sentiment_score":0.534976581732432,"channel":1,"num_words":3,"start":16.025,"end":18.925},{"sentences":[{"text":"Can't complain.","start":18.675,"end":19.395,"sentiment":"positive","sentiment_score":0.37474948167800903}],"sentiment":"positive","sentiment_score":0.37474948167800903,"channel":0,"num_words":2,"start":18.675,"end":19.395},{"sentences":[{"text":"weather in","start":18.985,"end":19.465,"sentiment":"neutral","sentiment_score":0.14414769411087036}],"sentiment":"neutral","sentiment_score":0.14414769411087036,"channel":1,"num_words":2,"start":18.985,"end":19.465},{"sentences":[{"text":"Fair","start":19.395,"end":19.634998,"sentiment":"neutral","sentiment_score":0.10476817935705184}],"sentiment":"neutral","sentiment_score":0.10476817935705184,"channel":0,"num_words":1,"start":19.395,"end":19.634998},{"sentences":[{"text":"Sydney.","start":19.465,"end":19.965,"sentiment":"neutral","sentiment_score":0.2216137498617172}],"sentiment":"neutral","sentiment_score":0.2216137498617172,"channel":1,"num_words":1,"start":19.465,"end":19.965},{"sentences":[{"text":"enough.","start":19.634998,"end":20.134998,"sentiment":"neutral","sentiment_score":0.2332562804222107},{"text":"Good, mate.","start":22.115,"end":22.675,"sentiment":"positive","sentiment_score":0.4021765887737274}],"sentiment":"positive","sentiment_score":0.34586981932322186,"channel":0,"num_words":3,"start":19.634998,"end":22.675},{"sentences":[{"text":"Oh,","start":22.505001,"end":22.744999,"sentiment":"neutral","sentiment_score":0.24431324005126953}],"sentiment":"neutral","sentiment_score":0.24431324005126953,"channel":1,"num_words":1,"start":22.505001,"end":22.744999},{"sentences":[{"text":"Good.","start":22.675,"end":23.175,"sentiment":"neutral","sentiment_score":0.30860573053359985}],"sentiment":"neutral","sentiment_score":0.30860573053359985,"channel":0,"num_words":1,"start":22.675,"end":23.175},{"sentences":[{"text":"coffee today.","start":22.744999,"end":23.645,"sentiment":"neutral","sentiment_score":0.20175959914922711},{"text":"Coffee","start":23.705,"end":24.105,"sentiment":"neutral","sentiment_score":0.1584351807832718}],"sentiment":"neutral","sentiment_score":0.18731812636057535,"channel":1,"num_words":3,"start":22.744999,"end":24.105},{"sentences":[{"text":"I've got","start":23.715,"end":24.195,"sentiment":"neutral","sentiment_score":0.17853806167840958}],"sentiment":"neutral","sentiment_score":0.17853806167840958,"channel":0,"num_words":2,"start":23.715,"end":24.195},{"sentences":[{"text":"today.","start":24.105,"end":24.425,"sentiment":"neutral","sentiment_score":0.17015305161476135}],"sentiment":"neutral","sentiment_score":0.17015305161476135,"channel":1,"num_words":1,"start":24.105,"end":24.425},{"sentences":[{"text":"this","start":24.195,"end":24.435,"sentiment":"neutral","sentiment_score":0.08981482684612274}],"sentiment":"neutral","sentiment_score":0.08981482684612274,"channel":0,"num_words":1,"start":24.195,"end":24.435},{"sentences":[{"text":"Yes,","start":24.425,"end":24.744999,"sentiment":"neutral","sentiment_score":0.11271476745605467}],"sentiment":"neutral","sentiment_score":0.11271476745605467,"channel":1,"num_words":1,"start":24.425,"end":24.744999},{"sentences":[{"text":"annual","start":24.435,"end":24.835,"sentiment":"neutral","sentiment_score":0.13770908117294312}],"sentiment":"neutral","sentiment_score":0.13770908117294312,"channel":0,"num_words":1,"start":24.435,"end":24.835},{"sentences":[{"text":"sir.","start":24.744999,"end":25.244999,"sentiment":"neutral","sentiment_score":0.1138947606086731}],"sentiment":"neutral","sentiment_score":0.1138947606086731,"channel":1,"num_words":1,"start":24.744999,"end":25.244999},{"sentences":[{"text":"review.","start":24.835,"end":25.335,"sentiment":"neutral","sentiment_score":0.0901021659374237},{"text":"Oh, sorry?","start":25.954998,"end":26.615,"sentiment":"neutral","sentiment_score":0.07816992327570915}],"sentiment":"neutral","sentiment_score":0.08214733749628067,"channel":0,"num_words":3,"start":24.835,"end":26.615},{"sentences":[{"text":"I'm I'm in office as well, so good I'm at a good place.","start":27.75,"end":31.369999,"sentiment":"neutral","sentiment_score":0.32733304454730106},{"text":"Just came to some silent","start":32.07,"end":33.27,"sentiment":"neutral","sentiment_score":0.24249985814094543}],"sentiment":"neutral","sentiment_score":0.3037682705455356,"channel":1,"num_words":18,"start":27.75,"end":33.27},{"sentences":[{"text":"Perfect.","start":33.09,"end":33.59,"sentiment":"neutral","sentiment_score":0.3255935311317444}],"sentiment":"neutral","sentiment_score":0.3255935311317444,"channel":0,"num_words":1,"start":33.09,"end":33.59},{"sentences":[{"text":"place as well, so I was waiting for your call.","start":33.27,"end":35.69,"sentiment":"neutral","sentiment_score":0.2709417939186096}],"sentiment":"neutral","sentiment_score":0.2709417939186096,"channel":1,"num_words":10,"start":33.27,"end":35.69},{"sentences":[{"text":"Awesome.","start":36.53,"end":37.03,"sentiment":"positive","sentiment_score":0.5619204044342041},{"text":"I appreciate that.","start":37.09,"end":38.05,"sentiment":"positive","sentiment_score":0.5338115890820821},{"text":"And how much time do I have with you today?","start":38.05,"end":40.29,"sentiment":"neutral","sentiment_score":0.11030768975615501},{"text":"I won't take up too much, but just so I know.","start":40.29,"end":42.675,"sentiment":"neutral","sentiment_score":0.007111620115624232}],"sentiment":"neutral","sentiment_score":0.1337863956205547,"channel":0,"num_words":25,"start":36.53,"end":42.675},{"sentences":[{"text":"I'm I've logged thirty minutes off my calendar so we can we can discuss.","start":43.495003,"end":46.715,"sentiment":"neutral","sentiment_score":0.07745452198599066}],"sentiment":"neutral","sentiment_score":0.07745452198599066,"channel":1,"num_words":14,"start":43.495003,"end":46.715},{"sentences":[{"text":"That's perfect.","start":48.835,"end":49.715,"sentiment":"positive","sentiment_score":0.4974946081638336},{"text":"Now I'm gonna shoot through your annual review pack to your email.","start":49.715,"end":53.495,"sentiment":"neutral","sentiment_score":0.12021277472376823},{"text":"Do you mind","start":53.954998,"end":54.434998,"sentiment":"neutral","sentiment_score":0.02796708606183529}],"sentiment":"neutral","sentiment_score":0.14832022183519952,"channel":0,"num_words":17,"start":48.835,"end":54.434998},{"sentences":[{"text":"Yeah.","start":54.375,"end":54.875,"sentiment":"neutral","sentiment_score":0.03840544074773789}],"sentiment":"neutral","sentiment_score":0.03840544074773789,"channel":1,"num_words":1,"start":54.375,"end":54.875},{"sentences":[{"text":"if I just double check a quick security check with you, sir?","start":54.434998,"end":57.63,"sentiment":"neutral","sentiment_score":0.03164807225887974}],"sentiment":"neutral","sentiment_score":0.03164807225887974,"channel":0,"num_words":12,"start":54.434998,"end":57.63},{"sentences":[{"text":"Yeah.","start":58.3,"end":58.8,"sentiment":"neutral","sentiment_score":0.062116414308547974}],"sentiment":"neutral","sentiment_score":0.062116414308547974,"channel":1,"num_words":1,"start":58.3,"end":58.8},{"sentences":[{"text":"Cool.","start":59.79,"end":60.29,"sentiment":"neutral","sentiment_score":0.0980292186141014},{"text":"I've got the call recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105.","start":60.91,"end":69.25,"sentiment":"neutral","sentiment_score":0.061435672351055674},{"text":"Could I please confirm your date of birth and address?","start":69.31,"end":71.97,"sentiment":"neutral","sentiment_score":0.03392182774841786}],"sentiment":"neutral","sentiment_score":0.053209986152320074,"channel":0,"num_words":29,"start":59.79,"end":71.97},{"sentences":[{"text":"It's twenty two zero seven nineteen eighty.","start":72.865,"end":75.285,"sentiment":"neutral","sentiment_score":0.01261208625510335},{"text":"Another is 20","start":75.425,"end":76.485,"sentiment":"neutral","sentiment_score":0.011569328606128693}],"sentiment":"neutral","sentiment_score":0.012299258960410953,"channel":1,"num_words":10,"start":72.865,"end":76.485},{"sentences":[{"text":"Mhmm.","start":76.165,"end":76.665,"sentiment":"neutral","sentiment_score":0.015005603432655334}],"sentiment":"neutral","sentiment_score":0.015005603432655334,"channel":0,"num_words":1,"start":76.165,"end":76.665},{"sentences":[{"text":"Balfour State, telephone 2762.","start":76.625,"end":79.685,"sentiment":"neutral","sentiment_score":0.017961449455469847}],"sentiment":"neutral","sentiment_score":0.017961449455469847,"channel":1,"num_words":4,"start":76.625,"end":79.685},{"sentences":[{"text":"Perfect.","start":80.565,"end":81.045,"sentiment":"neutral","sentiment_score":0.22551581263542175},{"text":"Now will you be able to look on to this email that I'm sending through to you today, or should I just walk you through what's coming through?","start":81.045,"end":86.73,"sentiment":"neutral","sentiment_score":0.09564965830317565}],"sentiment":"neutral","sentiment_score":0.10012780155601173,"channel":0,"num_words":29,"start":80.565,"end":86.73},{"sentences":[{"text":"You can start working through, and the meantime, we'll try to open the email as well.","start":87.5,"end":91.04,"sentiment":"neutral","sentiment_score":0.05979868629947305}],"sentiment":"neutral","sentiment_score":0.05979868629947305,"channel":1,"num_words":16,"start":87.5,"end":91.04},{"sentences":[{"text":"Yep.","start":91.69,"end":92.170006,"sentiment":"neutral","sentiment_score":0.05303940176963806},{"text":"No worries.","start":92.170006,"end":92.91,"sentiment":"neutral","sentiment_score":0.054184576496481895},{"text":"Now is there anything in particular that you're looking for for this review, sir?","start":93.130005,"end":97.07001,"sentiment":"neutral","sentiment_score":0.028796031405883177}],"sentiment":"neutral","sentiment_score":0.03320899967323331,"channel":0,"num_words":17,"start":91.69,"end":97.07001},{"sentences":[{"text":"Yes.","start":98.985,"end":99.485,"sentiment":"neutral","sentiment_score":0.02662401646375656},{"text":"I want to know how how the investments that we have done is looking for.","start":99.945,"end":105.225,"sentiment":"neutral","sentiment_score":0.012110393246014912},{"text":"I mean, with the the market being kind of fluctuating with the the West war, What's happening with my superannuation and and also I want to know whether the people are talking about this SMS or SMS kind of thing.","start":105.225,"end":120.630005,"sentiment":"neutral","sentiment_score":-0.007130728987976909},{"text":"Right?","start":120.630005,"end":120.87,"sentiment":"neutral","sentiment_score":0.00884312391281128},{"text":"We're investing using our super.","start":120.87,"end":122.89,"sentiment":"neutral","sentiment_score":0.008248632354661823}],"sentiment":"neutral","sentiment_score":-0.0004332735270802533,"channel":1,"num_words":62,"start":98.985,"end":122.89},{"sentences":[{"text":"How good it is and whether we can do that one.","start":123.51,"end":126.31,"sentiment":"positive","sentiment_score":0.6765959750522267},{"text":"So I want to know more about that one as","start":126.31,"end":128.995,"sentiment":"neutral","sentiment_score":0.1478227823972702}],"sentiment":"positive","sentiment_score":0.42479921664510456,"channel":1,"num_words":21,"start":123.51,"end":128.995},{"sentences":[{"text":"Yep.","start":129.975,"end":130.455,"sentiment":"neutral","sentiment_score":0.14509394764900208},{"text":"Absolutely.","start":130.455,"end":130.955,"sentiment":"positive","sentiment_score":0.5260685682296753},{"text":"So","start":131.175,"end":131.675,"sentiment":"neutral","sentiment_score":0.27827173471450806}],"sentiment":"neutral","sentiment_score":0.3164780835310618,"channel":0,"num_words":3,"start":129.975,"end":131.675},{"sentences":[{"text":"well.","start":131.775,"end":132.275,"sentiment":"neutral","sentiment_score":0.2778431177139282}],"sentiment":"neutral","sentiment_score":0.2778431177139282,"channel":1,"num_words":1,"start":131.775,"end":132.275},{"sentences":[{"text":"what I'll do today, we'll go through your super performance and I'll talk to you about SMSF.","start":131.815,"end":135.91501,"sentiment":"neutral","sentiment_score":0.18330837172620437}],"sentiment":"neutral","sentiment_score":0.18330837172620437,"channel":0,"num_words":17,"start":131.815,"end":135.91501},{"sentences":[{"text":"Yeah.","start":136.735,"end":137.235,"sentiment":"neutral","sentiment_score":0.040064554661512375}],"sentiment":"neutral","sentiment_score":0.040064554661512375,"channel":1,"num_words":1,"start":136.735,"end":137.235},{"sentences":[{"text":"I will just need to double check your details that we have on file because we have a new system.","start":137.0,"end":141.4,"sentiment":"neutral","sentiment_score":0.031322819832712415},{"text":"Just wanna see if anything changed in your life and just touch on your insurances briefly and your beneficiaries, and that's pretty much it.","start":141.4,"end":149.505,"sentiment":"neutral","sentiment_score":0.032204092014580965}],"sentiment":"neutral","sentiment_score":0.03180351375009526,"channel":0,"num_words":44,"start":137.0,"end":149.505},{"sentences":[{"text":"Okay.","start":151.63,"end":152.13,"sentiment":"neutral","sentiment_score":0.04517005383968353}],"sentiment":"neutral","sentiment_score":0.04517005383968353,"channel":1,"num_words":1,"start":151.63,"end":152.13},{"sentences":[{"text":"Now what I've got coming through to you first is a performance update from NetWell.","start":153.265,"end":158.565,"sentiment":"neutral","sentiment_score":0.056061761329571407},{"text":"Now I had a bit of a look at your portfolio because we've made some changes recently.","start":158.865,"end":163.685,"sentiment":"neutral","sentiment_score":0.04398603507262819},{"text":"The good news is do you you remember you're, like, in a high growth portfolio mostly in, like, shares, property, gold?","start":166.67,"end":174.19,"sentiment":"neutral","sentiment_score":0.11076249333009833},{"text":"Does that ring a bell?","start":174.19,"end":175.33,"sentiment":"neutral","sentiment_score":0.03920856192708015}],"sentiment":"neutral","sentiment_score":0.07087489975423648,"channel":0,"num_words":58,"start":153.265,"end":175.33},{"sentences":[{"text":"No.","start":178.16,"end":178.66,"sentiment":"neutral","sentiment_score":-0.0829005241394043}],"sentiment":"neutral","sentiment_score":-0.0829005241394043,"channel":1,"num_words":1,"start":178.16,"end":178.66},{"sentences":[{"text":"Okay.","start":179.725,"end":180.125,"sentiment":"neutral","sentiment_score":-0.05641500651836395},{"text":"So the way I see your portfolio is you're pretty much in what we call like a high risk.","start":180.125,"end":185.66501,"sentiment":"neutral","sentiment_score":-0.09778828232696182},{"text":"So all of your money is in growth assets like shares and gold and property, and","start":185.965,"end":192.20001,"sentiment":"neutral","sentiment_score":-0.021101833088323474}],"sentiment":"neutral","sentiment_score":-0.06255615833732817,"channel":0,"num_words":36,"start":179.725,"end":192.20001},{"sentences":[{"text":"Mhmm.","start":192.095,"end":192.595,"sentiment":"neutral","sentiment_score":-0.004541504196822643}],"sentiment":"neutral","sentiment_score":-0.004541504196822643,"channel":1,"num_words":1,"start":192.095,"end":192.595},{"sentences":[{"text":"the whole point there is to get the high return.","start":192.26001,"end":194.44,"sentiment":"neutral","sentiment_score":0.03854217752814293},{"text":"Once you've got your your million dollars, when you're closer to retirement, we can obviously protect it because you probably don't wanna be high risk at age 64 and you lose half your throughput.","start":194.90001,"end":204.18001,"sentiment":"neutral","sentiment_score":-0.03904972137773738},{"text":"Do you know what I mean?","start":204.18001,"end":205.245,"sentiment":"neutral","sentiment_score":-0.03395526700963577}],"sentiment":"neutral","sentiment_score":-0.022920007072389125,"channel":0,"num_words":50,"start":192.26001,"end":205.245},{"sentences":[{"text":"Yeah.","start":205.52,"end":206.0,"sentiment":"neutral","sentiment_score":0.05819011479616165},{"text":"Yep.","start":206.0,"end":206.5,"sentiment":"neutral","sentiment_score":0.08208723366260529}],"sentiment":"neutral","sentiment_score":0.07013867422938347,"channel":1,"num_words":2,"start":205.52,"end":206.5},{"sentences":[{"text":"Yep.","start":207.165,"end":207.665,"sentiment":"neutral","sentiment_score":0.13347382843494415},{"text":"Now it is still positive for the year.","start":207.805,"end":210.845,"sentiment":"neutral","sentiment_score":0.3169847521930933},{"text":"I'm looking at all of the year's returns.","start":210.845,"end":212.94499,"sentiment":"neutral","sentiment_score":0.2089397069066763},{"text":"You had it go up 20%, 16%, 16%, and this year it's up about 1%.","start":213.405,"end":219.105,"sentiment":"neutral","sentiment_score":0.16085491428772608},{"text":"The stock market, it went up 10% Christmas time, and then it came back down.","start":219.5,"end":224.45999,"sentiment":"neutral","sentiment_score":-0.06984819397330284}],"sentiment":"neutral","sentiment_score":0.12140362353083935,"channel":0,"num_words":47,"start":207.165,"end":224.45999},{"sentences":[{"text":"So it's pretty well flat at the moment.","start":224.45999,"end":226.31999,"sentiment":"neutral","sentiment_score":-0.20793668646365404},{"text":"Now your","start":228.94,"end":230.08,"sentiment":"neutral","sentiment_score":-0.07051099091768265}],"sentiment":"neutral","sentiment_score":-0.18045154735445976,"channel":0,"num_words":10,"start":224.45999,"end":230.08},{"sentences":[{"text":"No.","start":230.18999,"end":230.68999,"sentiment":"neutral","sentiment_score":-0.12674155831336975}],"sentiment":"neutral","sentiment_score":-0.12674155831336975,"channel":1,"num_words":1,"start":230.18999,"end":230.68999},{"sentences":[{"text":"balance, if that makes sense, you're with 215,000 a year ago, and you're sitting at 231,000 now.","start":230.38,"end":239.17499,"sentiment":"neutral","sentiment_score":-0.03272526546874467}],"sentiment":"neutral","sentiment_score":-0.03272526546874467,"channel":0,"num_words":17,"start":230.38,"end":239.17499},{"sentences":[{"text":"Okay.","start":241.23,"end":241.46999,"sentiment":"neutral","sentiment_score":0.2738795280456543},{"text":"Very good.","start":241.46999,"end":242.10999,"sentiment":"positive","sentiment_score":0.5929552912712097},{"text":"Yeah.","start":242.10999,"end":242.60999,"sentiment":"neutral","sentiment_score":0.31631094217300415}],"sentiment":"positive","sentiment_score":0.44402526319026947,"channel":1,"num_words":4,"start":241.23,"end":242.60999},{"sentences":[{"text":"Cool?","start":243.31499,"end":243.795,"sentiment":"positive","sentiment_score":0.3518441617488861},{"text":"Now that's mainly, obviously, because of your contributions are really good from what.","start":243.795,"end":247.655,"sentiment":"positive","sentiment_score":0.4241630329678838},{"text":"And one thing that I have to let you know is that all of the investment options that you've got, they've been performing really good.","start":247.92,"end":255.45999,"sentiment":"positive","sentiment_score":0.43933653116226196},{"text":"You you had your gold go up 22%.","start":255.68,"end":258.1,"sentiment":"positive","sentiment_score":0.5443239808082581},{"text":"Your American shares up 16%.","start":258.24,"end":260.32,"sentiment":"positive","sentiment_score":0.3898423194885254}],"sentiment":"positive","sentiment_score":0.44525346756339645,"channel":0,"num_words":52,"start":243.31499,"end":260.32},{"sentences":[{"text":"Everything's looking really good.","start":260.32,"end":261.735,"sentiment":"positive","sentiment_score":0.6949090212583542},{"text":"There was one option in Christmas time that did really bad out of the eight that you have, and that was the Australian shares that you have in Bennelong.","start":261.895,"end":270.155,"sentiment":"neutral","sentiment_score":-0.21329684016005745}],"sentiment":"neutral","sentiment_score":-0.10321128120024999,"channel":0,"num_words":33,"start":260.32,"end":270.155},{"sentences":[{"text":"Mhmm.","start":271.255,"end":271.755,"sentiment":"neutral","sentiment_score":-0.09696608781814577}],"sentiment":"neutral","sentiment_score":-0.09696608781814577,"channel":1,"num_words":1,"start":271.255,"end":271.755},{"sentences":[{"text":"Now that went down pretty heavily around Christmas about 16%.","start":272.69498,"end":277.49,"sentiment":"neutral","sentiment_score":-0.28458952307701113},{"text":"So one thing that we did normally, when I do a review with you, we would discuss maybe doing some changes we need to, but we made a licensee decision across all clients in Netwealth because","start":277.55,"end":294.05502,"sentiment":"neutral","sentiment_score":-0.14100873987707827}],"sentiment":"neutral","sentiment_score":-0.1722219536161941,"channel":0,"num_words":46,"start":272.69498,"end":294.05502},{"sentences":[{"text":"Mhmm.","start":293.94,"end":294.44,"sentiment":"neutral","sentiment_score":-0.2069642543792725}],"sentiment":"neutral","sentiment_score":-0.2069642543792725,"channel":1,"num_words":1,"start":293.94,"end":294.44},{"sentences":[{"text":"this funds was doing a lot worse than the Australian market, and it wasn't picking back up again.","start":294.05502,"end":300.45502,"sentiment":"negative","sentiment_score":-0.4916635900735855},{"text":"So we actually switched that out across all clients about two months ago, and it's gone back","start":300.45502,"end":306.18,"sentiment":"neutral","sentiment_score":-0.12007310285287745}],"sentiment":"neutral","sentiment_score":-0.31117678199495585,"channel":0,"num_words":35,"start":294.05502,"end":306.18},{"sentences":[{"text":"Okay.","start":306.025,"end":306.525,"sentiment":"neutral","sentiment_score":-0.04693318158388138}],"sentiment":"neutral","sentiment_score":-0.04693318158388138,"channel":1,"num_words":1,"start":306.025,"end":306.525},{"sentences":[{"text":"into the positive now.","start":306.18,"end":307.63998,"sentiment":"neutral","sentiment_score":0.04701644740998745}],"sentiment":"neutral","sentiment_score":0.04701644740998745,"channel":0,"num_words":4,"start":306.18,"end":307.63998},{"sentences":[{"text":"Okay.","start":308.905,"end":309.405,"sentiment":"neutral","sentiment_score":0.07404537498950958}],"sentiment":"neutral","sentiment_score":0.07404537498950958,"channel":1,"num_words":1,"start":308.905,"end":309.405},{"sentences":[{"text":"Okay.","start":310.81998,"end":311.31998,"sentiment":"neutral","sentiment_score":0.09603814780712128},{"text":"How does that sound for you so far?","start":311.53998,"end":313.24,"sentiment":"neutral","sentiment_score":0.15148273669183254}],"sentiment":"neutral","sentiment_score":0.14532222681575352,"channel":0,"num_words":9,"start":310.81998,"end":313.24},{"sentences":[{"text":"Pretty good.","start":315.16,"end":315.80002,"sentiment":"positive","sentiment_score":0.41682057082653046},{"text":"Yeah.","start":315.80002,"end":316.04,"sentiment":"neutral","sentiment_score":0.2529259920120239},{"text":"We can continue.","start":316.04,"end":316.84,"sentiment":"neutral","sentiment_score":0.27726447582244873},{"text":"Yeah.","start":316.84,"end":317.34,"sentiment":"neutral","sentiment_score":0.14658164978027344}],"sentiment":"neutral","sentiment_score":0.29499174441610065,"channel":1,"num_words":7,"start":315.16,"end":317.34},{"sentences":[{"text":"Yep.","start":318.035,"end":318.535,"sentiment":"neutral","sentiment_score":0.12417612969875336},{"text":"Now one of the things I was looking at was your original advice from Sevvy in 2020.","start":318.595,"end":323.415,"sentiment":"neutral","sentiment_score":0.06260575726628304},{"text":"We had you trying to get to around about 209,000 by this year, and you're sitting at 231,000.","start":323.715,"end":330.21002,"sentiment":"neutral","sentiment_score":0.10782511884139644},{"text":"So you're still above where we were projecting originally as well back in 2020.","start":330.21002,"end":334.47,"sentiment":"neutral","sentiment_score":0.11504579761198588}],"sentiment":"neutral","sentiment_score":0.09479934617877006,"channel":0,"num_words":50,"start":318.035,"end":334.47},{"sentences":[{"text":"Okay.","start":335.555,"end":336.055,"sentiment":"neutral","sentiment_score":0.2326003611087799},{"text":"Very, very good.","start":336.275,"end":337.075,"sentiment":"positive","sentiment_score":0.4328421850999196},{"text":"So it's a combination of the my contributions plus the the market.","start":337.075,"end":344.82,"sentiment":"neutral","sentiment_score":0.2231583036482334},{"text":"Right?","start":344.82,"end":345.06,"sentiment":"neutral","sentiment_score":0.15241742134094238},{"text":"The investments we have done.","start":345.06,"end":346.92,"sentiment":"neutral","sentiment_score":0.156491956114769}],"sentiment":"neutral","sentiment_score":0.2338138073682785,"channel":1,"num_words":22,"start":335.555,"end":346.92},{"sentences":[{"text":"Yes.","start":348.225,"end":348.625,"sentiment":"neutral","sentiment_score":0.1139346808195114},{"text":"Correct.","start":348.625,"end":349.125,"sentiment":"neutral","sentiment_score":0.1203237771987915}],"sentiment":"neutral","sentiment_score":0.11712922900915146,"channel":0,"num_words":2,"start":348.225,"end":349.125},{"sentences":[{"text":"Okay.","start":350.82,"end":351.32,"sentiment":"neutral","sentiment_score":0.07656936347484589}],"sentiment":"neutral","sentiment_score":0.07656936347484589,"channel":1,"num_words":1,"start":350.82,"end":351.32},{"sentences":[{"text":"Okay.","start":352.56,"end":353.06,"sentiment":"neutral","sentiment_score":0.06490693986415863},{"text":"Now one thing I wanna check with you is the general plan for you, we had you wanting to retire around about age 65.","start":353.2,"end":359.7,"sentiment":"neutral","sentiment_score":0.03995938956116637},{"text":"You can access your super at 60.","start":360.16,"end":362.18,"sentiment":"neutral","sentiment_score":0.06840582617691585},{"text":"That's your preservation age.","start":362.24002,"end":363.86002,"sentiment":"neutral","sentiment_score":0.057576087303459644},{"text":"Are you wanting to retire as early as possible, or is 65 still your goal?","start":363.92,"end":368.085,"sentiment":"neutral","sentiment_score":0.027945443366964657}],"sentiment":"neutral","sentiment_score":0.042201158280173935,"channel":0,"num_words":51,"start":352.56,"end":368.085},{"sentences":[{"text":"65.","start":369.225,"end":370.125,"sentiment":"neutral","sentiment_score":0.0015155784785747528}],"sentiment":"neutral","sentiment_score":0.0015155784785747528,"channel":1,"num_words":1,"start":369.225,"end":370.125},{"sentences":[{"text":"Yep.","start":372.405,"end":372.905,"sentiment":"neutral","sentiment_score":0.004357695579528809},{"text":"So one thing that I kind of look at there is if that's still about twenty years away, normal market fluctuation cycles around about seven years.","start":372.965,"end":382.585,"sentiment":"neutral","sentiment_score":-0.07123382547153877},{"text":"So that kind of gives us about fourteen years to get as much growth as possible.","start":384.55,"end":389.37,"sentiment":"neutral","sentiment_score":-0.003282567486166954},{"text":"And in the last","start":389.59,"end":390.38998,"sentiment":"neutral","sentiment_score":-0.014870353043079376}],"sentiment":"neutral","sentiment_score":-0.04169626082194612,"channel":0,"num_words":47,"start":372.405,"end":390.38998},{"sentences":[{"text":"Mhmm.","start":390.26498,"end":390.76498,"sentiment":"neutral","sentiment_score":-0.018864262849092484}],"sentiment":"neutral","sentiment_score":-0.018864262849092484,"channel":1,"num_words":1,"start":390.26498,"end":390.76498},{"sentences":[{"text":"six years, we have to slowly protect it.","start":390.38998,"end":393.27,"sentiment":"neutral","sentiment_score":-0.02799827535636723},{"text":"So instead of having all your money in shares, gold, and property, in the last six years, we've reduced it down to, like, 90%, eighty, seventy, 60.","start":393.27,"end":403.005,"sentiment":"neutral","sentiment_score":0.06522797317140633}],"sentiment":"neutral","sentiment_score":0.04391911636505808,"channel":0,"num_words":35,"start":390.38998,"end":403.005},{"sentences":[{"text":"Yep.","start":405.25,"end":405.75,"sentiment":"neutral","sentiment_score":0.15373237431049347},{"text":"That was that was the question that exactly popped in my mind now.","start":406.05002,"end":409.01,"sentiment":"neutral","sentiment_score":0.11778661035574399},{"text":"So is our 100% of the money is currently in in the in the rotation of investment?","start":409.01,"end":416.05502,"sentiment":"neutral","sentiment_score":0.0780546354020343},{"text":"Are are we using only 70% of the money and keeping some of the amount in stock kind of thing?","start":416.11502,"end":423.575,"sentiment":"neutral","sentiment_score":0.03436748469248414},{"text":"What we're doing 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period, so we will try to reduce that investment as we get older.","start":452.58,"end":458.9,"sentiment":"neutral","sentiment_score":-0.013939473689312027},{"text":"We will try to reduce the and then we are making investments, giving some buffer.","start":458.9,"end":464.19998,"sentiment":"neutral","sentiment_score":0.05800471181670825},{"text":"That's what you are trying to say.","start":464.66,"end":466.28,"sentiment":"neutral","sentiment_score":0.05754912697843143}],"sentiment":"neutral","sentiment_score":0.02279501438660677,"channel":1,"num_words":43,"start":452.58,"end":466.28},{"sentences":[{"text":"Yes.","start":467.21002,"end":467.69,"sentiment":"neutral","sentiment_score":0.11931778490543364},{"text":"And when you get to that that age, maybe 55, 56, or a little bit older, we put more into fixed interest like bonds and term deposits for safer returns more and more as you get to those last few 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the moment, it should be fine.","start":497.355,"end":498.895,"sentiment":"neutral","sentiment_score":0.3278835117816925},{"text":"As long","start":499.51498,"end":500.075,"sentiment":"neutral","sentiment_score":0.27736279368400574}],"sentiment":"neutral","sentiment_score":0.31121237874031066,"channel":1,"num_words":10,"start":497.035,"end":500.075},{"sentences":[{"text":"Yep.","start":499.935,"end":500.415,"sentiment":"neutral","sentiment_score":0.28041398525238037}],"sentiment":"neutral","sentiment_score":0.28041398525238037,"channel":0,"num_words":1,"start":499.935,"end":500.415},{"sentences":[{"text":"as we 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to kind of warn is that with everything going on in the market, it's gonna go up and down a lot this year and because returns for super, it's a percentage base.","start":504.73502,"end":514.56,"sentiment":"neutral","sentiment_score":-0.2582160268838589},{"text":"So if you go up or down 10% because of your balance, it's gonna go up or down $2,030,000 dollars every couple of months.","start":514.94,"end":521.83997,"sentiment":"neutral","sentiment_score":-0.1993471166739861},{"text":"Now when you get closer to retirement, once you build up 500,000, it's gonna be going up and down 50,000 a year.","start":526.555,"end":534.315,"sentiment":"neutral","sentiment_score":-0.2164526009424166},{"text":"And when you get 700,000, it's gonna be going up $7,080,000 dollars a year.","start":534.315,"end":538.83,"sentiment":"positive","sentiment_score":0.34704288627420155}],"sentiment":"neutral","sentiment_score":-0.1477411675453186,"channel":0,"num_words":100,"start":504.415,"end":538.83},{"sentences":[{"text":"So the bigger your balance, the more it's gonna swing compared to what you're putting in as contributions.","start":538.83,"end":543.57,"sentiment":"neutral","sentiment_score":0.2823628592822287}],"sentiment":"neutral","sentiment_score":0.2823628592822287,"channel":0,"num_words":18,"start":538.83,"end":543.57},{"sentences":[{"text":"Okay.","start":546.65,"end":546.89,"sentiment":"neutral","sentiment_score":0.32717305421829224},{"text":"So if if he if he continues for some some blessings for my team, if we continue to say, my contributions remain the more or less the same amount per next year twenty years, where we","start":546.89,"end":561.53503,"sentiment":"positive","sentiment_score":0.3516652538544602}],"sentiment":"positive","sentiment_score":0.35100330251294215,"channel":1,"num_words":37,"start":546.65,"end":561.53503},{"sentences":[{"text":"Yeah.","start":561.40497,"end":561.90497,"sentiment":"neutral","sentiment_score":0.18730567395687103}],"sentiment":"neutral","sentiment_score":0.18730567395687103,"channel":0,"num_words":1,"start":561.40497,"end":561.90497},{"sentences":[{"text":"will be standing at the point And and what is our projections for next ten years and next twenty years with we doing some kind of just regular investments into the market?","start":561.53503,"end":572.89,"sentiment":"neutral","sentiment_score":0.12478906917385757}],"sentiment":"neutral","sentiment_score":0.12478906917385757,"channel":1,"num_words":32,"start":561.53503,"end":572.89},{"sentences":[{"text":"Yeah.","start":574.955,"end":575.195,"sentiment":"neutral","sentiment_score":0.27445149421691895},{"text":"So as it stands currently with your investments and your contribution, you should still be able to clear about a million dollars pretty comfortably.","start":575.195,"end":583.775,"sentiment":"positive","sentiment_score":0.4577328438560168}],"sentiment":"positive","sentiment_score":0.45040158987045287,"channel":0,"num_words":25,"start":574.955,"end":583.775},{"sentences":[{"text":"Okay.","start":586.875,"end":587.375,"sentiment":"neutral","sentiment_score":0.32322433590888977},{"text":"So if you continue with that same same amount of investments, we will be we'll be reaching around million dollars in twenty years.","start":587.515,"end":595.48004,"sentiment":"positive","sentiment_score":0.4037137251833211}],"sentiment":"positive","sentiment_score":0.40036000063021976,"channel":1,"num_words":24,"start":586.875,"end":595.48004},{"sentences":[{"text":"Yep.","start":596.80005,"end":597.30005,"sentiment":"neutral","sentiment_score":0.2041754126548767}],"sentiment":"neutral","sentiment_score":0.2041754126548767,"channel":0,"num_words":1,"start":596.80005,"end":597.30005},{"sentences":[{"text":"And","start":597.30005,"end":597.78,"sentiment":"neutral","sentiment_score":0.1608743667602539}],"sentiment":"neutral","sentiment_score":0.1608743667602539,"channel":1,"num_words":1,"start":597.30005,"end":597.78},{"sentences":[{"text":"And what","start":597.44,"end":598.0,"sentiment":"neutral","sentiment_score":0.1475154310464859}],"sentiment":"neutral","sentiment_score":0.1475154310464859,"channel":0,"num_words":2,"start":597.44,"end":598.0},{"sentences":[{"text":"and","start":597.78,"end":598.28,"sentiment":"neutral","sentiment_score":0.13577312231063843}],"sentiment":"neutral","sentiment_score":0.13577312231063843,"channel":1,"num_words":1,"start":597.78,"end":598.28},{"sentences":[{"text":"that means","start":598.0,"end":598.82,"sentiment":"neutral","sentiment_score":0.10509141534566879}],"sentiment":"neutral","sentiment_score":0.10509141534566879,"channel":0,"num_words":2,"start":598.0,"end":598.82},{"sentences":[{"text":"and","start":598.4734,"end":598.9734,"sentiment":"neutral","sentiment_score":0.11392293870449066}],"sentiment":"neutral","sentiment_score":0.11392293870449066,"channel":1,"num_words":1,"start":598.4734,"end":598.9734},{"sentences":[{"text":"yeah.","start":599.36005,"end":599.60004,"sentiment":"neutral","sentiment_score":0.09767478704452516},{"text":"Go ahead.","start":599.60004,"end":600.26,"sentiment":"neutral","sentiment_score":0.16793528944253922}],"sentiment":"neutral","sentiment_score":0.14451512197653452,"channel":0,"num_words":3,"start":599.36005,"end":600.26},{"sentences":[{"text":"yeah.","start":599.86005,"end":600.36005,"sentiment":"neutral","sentiment_score":0.13257849216461182},{"text":"Yeah.","start":600.5,"end":600.82,"sentiment":"neutral","sentiment_score":0.14294511079788208},{"text":"Yeah.","start":600.82,"end":600.98004,"sentiment":"neutral","sentiment_score":0.08583397418260574},{"text":"No.","start":600.98004,"end":601.22003,"sentiment":"neutral","sentiment_score":-0.017405107617378235},{"text":"Go ahead.","start":601.22003,"end":601.80005,"sentiment":"neutral","sentiment_score":0.024829275906085968}],"sentiment":"neutral","sentiment_score":0.06560183688998222,"channel":1,"num_words":6,"start":599.86005,"end":601.80005},{"sentences":[{"text":"When you've got a million there and you've got your pension account, you can pull out, say, 5% deliver, which I think we had your goal at around about 900 to $1,000 a week with your mortgage paid off.","start":603.185,"end":615.18,"sentiment":"neutral","sentiment_score":0.1870097829363285},{"text":"And what that means is if you only pull out, say, 50,000 a year in today's dollars, it means that by the end of, let's say, when you're 90 or 100 years old, you should still have seven or eight hundred thousand dollars there to pass on to the family as a bit of a legacy.","start":618.38,"end":635.245,"sentiment":"neutral","sentiment_score":0.17222096824220248}],"sentiment":"neutral","sentiment_score":0.17829216585347527,"channel":0,"num_words":95,"start":603.185,"end":635.245},{"sentences":[{"text":"Okay.","start":639.675,"end":640.175,"sentiment":"neutral","sentiment_score":0.11683554947376253},{"text":"That's that's long term, but we we can discuss the fact that we need to think of, but it's a long term.","start":640.235,"end":645.455,"sentiment":"neutral","sentiment_score":0.0264183601195162},{"text":"But so","start":645.59503,"end":646.815,"sentiment":"neutral","sentiment_score":0.05530790984630585}],"sentiment":"neutral","sentiment_score":0.032346211671829224,"channel":1,"num_words":25,"start":639.675,"end":646.815},{"sentences":[{"text":"Yeah.","start":646.58,"end":647.08,"sentiment":"neutral","sentiment_score":0.07040274888277054}],"sentiment":"neutral","sentiment_score":0.07040274888277054,"channel":0,"num_words":1,"start":646.58,"end":647.08},{"sentences":[{"text":"so so what we're saying is coming back to our conversation.","start":648.09,"end":651.39,"sentiment":"neutral","sentiment_score":0.04808898507194086},{"text":"So in in case of we stopping it to 50 percentage, right, keeping keeping the 50 percentage intact and only it's like 50 percentage by first month after ten years, right, at the age of April.","start":651.69,"end":664.77496,"sentiment":"neutral","sentiment_score":0.06003232693506612},{"text":"Currently, I'm 45.","start":664.77496,"end":666.235,"sentiment":"neutral","sentiment_score":-0.034772017349799476},{"text":"55, if we say, they do only 50 percentage of investments and continue with only contributions and 50 percentage keeping in this kind of 50 or the term deposit kind of thing.","start":666.69495,"end":679.75,"sentiment":"neutral","sentiment_score":-0.013409583450993523},{"text":"So if we go down the path, that that we will be at the age of 65 in another twenty years.","start":680.21,"end":687.35004,"sentiment":"neutral","sentiment_score":-0.06653413229754992}],"sentiment":"neutral","sentiment_score":0.0073738165507183494,"channel":1,"num_words":103,"start":648.09,"end":687.35004},{"sentences":[{"text":"That will be still around the same million dollars or we are we saying less than that one or maybe more than that one?","start":689.125,"end":694.745,"sentiment":"neutral","sentiment_score":-0.09336265440409382}],"sentiment":"neutral","sentiment_score":-0.09336265440409382,"channel":1,"num_words":24,"start":689.125,"end":694.745},{"sentences":[{"text":"Great question.","start":696.24005,"end":696.96,"sentiment":"positive","sentiment_score":0.4318583011627197},{"text":"So I'm still think I'm still predicting the million dollars when we get to the point of age 56, maybe 57, and then that's when we're gonna reduce it down to, like, 80%, 60%, fifty, forty over a six year period.","start":696.96,"end":714.14496,"sentiment":"neutral","sentiment_score":0.06862825746988742},{"text":"And so it'll","start":714.285,"end":714.925,"sentiment":"neutral","sentiment_score":0.08155310899019241}],"sentiment":"neutral","sentiment_score":0.08526379316437828,"channel":0,"num_words":46,"start":696.24005,"end":714.925},{"sentences":[{"text":"Okay.","start":714.8,"end":715.3,"sentiment":"neutral","sentiment_score":0.0931682139635086}],"sentiment":"neutral","sentiment_score":0.0931682139635086,"channel":1,"num_words":1,"start":714.8,"end":715.3},{"sentences":[{"text":"still grow a little bit, so maybe the 1.2, 1.3 depending.","start":714.925,"end":719.185,"sentiment":"neutral","sentiment_score":0.07857787778431718}],"sentiment":"neutral","sentiment_score":0.07857787778431718,"channel":0,"num_words":11,"start":714.925,"end":719.185},{"sentences":[{"text":"Okay.","start":720.075,"end":720.395,"sentiment":"neutral","sentiment_score":0.05666205286979675},{"text":"So you you are projecting 1,000,000 in 10 itself, is it?","start":720.395,"end":723.67505,"sentiment":"neutral","sentiment_score":0.049583309922705994},{"text":"Not in twelve years.","start":723.67505,"end":724.55505,"sentiment":"neutral","sentiment_score":-0.08902467787265778},{"text":"Ten years itself, we are saying that we have been 1,000,000","start":724.55505,"end":726.895,"sentiment":"neutral","sentiment_score":-0.017245128750801086}],"sentiment":"neutral","sentiment_score":0.0020845679359303582,"channel":1,"num_words":27,"start":720.075,"end":726.895},{"sentences":[{"text":"Yeah.","start":727.87,"end":728.19,"sentiment":"neutral","sentiment_score":0.016116052865982056},{"text":"About","start":728.19,"end":728.51,"sentiment":"neutral","sentiment_score":-0.003515593707561493}],"sentiment":"neutral","sentiment_score":0.006300229579210281,"channel":0,"num_words":2,"start":727.87,"end":728.51},{"sentences":[{"text":"or 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10 to 12 will be around a million if the contribution","start":730.41,"end":733.95,"sentiment":"neutral","sentiment_score":0.04182518397768339}],"sentiment":"neutral","sentiment_score":0.04182518397768339,"channel":1,"num_words":12,"start":730.41,"end":733.95},{"sentences":[{"text":"Yeah.","start":733.485,"end":733.965,"sentiment":"neutral","sentiment_score":0.1168106198310852},{"text":"So","start":733.965,"end":734.465,"sentiment":"neutral","sentiment_score":0.14504477381706238}],"sentiment":"neutral","sentiment_score":0.1309276968240738,"channel":0,"num_words":2,"start":733.485,"end":734.465},{"sentences":[{"text":"continues as such.","start":734.08997,"end":735.23,"sentiment":"neutral","sentiment_score":0.1790622224410375}],"sentiment":"neutral","sentiment_score":0.1790622224410375,"channel":1,"num_words":3,"start":734.08997,"end":735.23},{"sentences":[{"text":"correct.","start":736.365,"end":736.84503,"sentiment":"neutral","sentiment_score":0.27704864740371704},{"text":"This is kind of your period where everyone hits 45, 46, and you've got really good income.","start":736.84503,"end":742.305,"sentiment":"positive","sentiment_score":0.3892270887599272},{"text":"And going from that 250,000 up to the million really happens between age 45 and 56, and then you've got to protect it.","start":742.525,"end":751.17,"sentiment":"neutral","sentiment_score":0.2450471053952756}],"sentiment":"neutral","sentiment_score":0.30560957513204434,"channel":0,"num_words":41,"start":736.365,"end":751.17},{"sentences":[{"text":"Okay.","start":753.355,"end":753.855,"sentiment":"neutral","sentiment_score":0.11356352269649506}],"sentiment":"neutral","sentiment_score":0.11356352269649506,"channel":1,"num_words":1,"start":753.355,"end":753.855},{"sentences":[{"text":"Okay?","start":755.95,"end":756.45,"sentiment":"neutral","sentiment_score":0.07054325938224792},{"text":"Now I don't think you need to put any extra in.","start":756.51,"end":758.955,"sentiment":"neutral","sentiment_score":-0.05288700217550451},{"text":"You don't need to do any salary sacrifice or anything.","start":758.955,"end":761.59503,"sentiment":"neutral","sentiment_score":-0.07686468996107579},{"text":"You can if you want to.","start":761.59503,"end":763.135,"sentiment":"neutral","sentiment_score":0.08154209703207016},{"text":"It's a little bit but you have to modify the call for about getting investment properties and things like that.","start":763.515,"end":768.895,"sentiment":"neutral","sentiment_score":-0.02089085727930069}],"sentiment":"neutral","sentiment_score":-0.02517552557401359,"channel":0,"num_words":48,"start":755.95,"end":768.895},{"sentences":[{"text":"Yeah.","start":769.61005,"end":770.11005,"sentiment":"neutral","sentiment_score":0.02100428193807602},{"text":"Yeah.","start":770.25,"end":770.75,"sentiment":"neutral","sentiment_score":0.0017344504594802856},{"text":"So going back to the conversation.","start":771.075,"end":772.835,"sentiment":"neutral","sentiment_score":-0.0012053608273466427},{"text":"Right?","start":772.835,"end":773.075,"sentiment":"neutral","sentiment_score":-0.00959807075560093},{"text":"How about so what will be the impact or what what will be the outcome if I have to take something out of the super to book the property?","start":773.075,"end":781.335,"sentiment":"neutral","sentiment_score":-0.08104447044175246}],"sentiment":"neutral","sentiment_score":-0.0616942406877091,"channel":1,"num_words":38,"start":769.61005,"end":781.335},{"sentences":[{"text":"Is it still a good option to think of instead of doing this investment in the market or buying a property?","start":783.08997,"end":791.11,"sentiment":"neutral","sentiment_score":-0.04026707882682482}],"sentiment":"neutral","sentiment_score":-0.04026707882682482,"channel":1,"num_words":21,"start":783.08997,"end":791.11},{"sentences":[{"text":"Well so for the self managed super fund, what you've 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company.","start":838.295,"end":850.47003,"sentiment":"neutral","sentiment_score":0.015412278613075614},{"text":"So you've got to set up two trust funds and two companies, that's $5,000.","start":850.47003,"end":854.65,"sentiment":"neutral","sentiment_score":0.03487666031079633},{"text":"And then the advice to do the property and investing everything else, that's probably another 4,500 from the advisers.","start":857.59,"end":867.695,"sentiment":"neutral","sentiment_score":0.008041759236029497},{"text":"So 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it's for the set of petrols with with the same somewhere around the $10,000 you are paying.","start":887.495,"end":893.35504,"sentiment":"neutral","sentiment_score":0.028415067807624216},{"text":"Is that what I understand?","start":893.495,"end":895.115,"sentiment":"neutral","sentiment_score":0.03452495485544205}],"sentiment":"neutral","sentiment_score":0.029964414536952973,"channel":1,"num_words":25,"start":886.695,"end":895.115},{"sentences":[{"text":"Yeah.","start":896.77496,"end":897.25494,"sentiment":"neutral","sentiment_score":-0.001846160739660263},{"text":"Outside of anything for a property cost.","start":897.25494,"end":899.415,"sentiment":"neutral","sentiment_score":-0.08543409939323153},{"text":"Like, you know, when you go to buy a property, it's a stamp duty or or real estate fees and things like that.","start":899.415,"end":906.94,"sentiment":"neutral","sentiment_score":-0.08038696824856427},{"text":"It's about 10,000 for the cost of the accounts within the 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good.","start":959.44,"end":963.45996,"sentiment":"positive","sentiment_score":0.47180790792812}],"sentiment":"positive","sentiment_score":0.47180790792812,"channel":0,"num_words":11,"start":959.44,"end":963.45996},{"sentences":[{"text":"Okay.","start":964.445,"end":964.945,"sentiment":"neutral","sentiment_score":0.28224194049835205}],"sentiment":"neutral","sentiment_score":0.28224194049835205,"channel":1,"num_words":1,"start":964.445,"end":964.945},{"sentences":[{"text":"Now I'll just write this down so it's on your goals in your file.","start":968.385,"end":971.825,"sentiment":"neutral","sentiment_score":0.25586356967687607},{"text":"But are you thinking of getting an investment property personal and in super, like getting 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savings?","start":1227.09,"end":1231.6699,"sentiment":"neutral","sentiment_score":0.02199756271309323}],"sentiment":"neutral","sentiment_score":0.02926528629134683,"channel":0,"num_words":17,"start":1225.09,"end":1231.6699},{"sentences":[{"text":"It is it is close to 120.","start":1234.665,"end":1237.085,"sentiment":"neutral","sentiment_score":0.02126922006053584},{"text":"It's close to yeah.","start":1238.27,"end":1239.07,"sentiment":"neutral","sentiment_score":0.0246652839705348},{"text":"120 150.","start":1239.07,"end":1240.69,"sentiment":"neutral","sentiment_score":0.012326470576226711},{"text":"Ah, yeah.","start":1247.07,"end":1247.39,"sentiment":"neutral","sentiment_score":0.07290642336010933},{"text":"It's offset count.","start":1247.39,"end":1248.27,"sentiment":"neutral","sentiment_score":0.07236888880530994}],"sentiment":"neutral","sentiment_score":0.03528434058858289,"channel":1,"num_words":18,"start":1234.665,"end":1248.27},{"sentences":[{"text":"Yeah.","start":1248.27,"end":1248.77,"sentiment":"neutral","sentiment_score":0.2667683959007263}],"sentiment":"neutral","sentiment_score":0.2667683959007263,"channel":1,"num_words":1,"start":1248.27,"end":1248.77},{"sentences":[{"text":"Amazing.","start":1250.37,"end":1250.87,"sentiment":"positive","sentiment_score":0.5645650029182434},{"text":"Alright.","start":1251.3301,"end":1251.81,"sentiment":"positive","sentiment_score":0.5090214014053345},{"text":"So that's doing fantastic.","start":1251.81,"end":1253.03,"sentiment":"positive","sentiment_score":0.49174759164452553},{"text":"So outside of paying down the mortgage, growing the super, maybe getting an investment property, anything else for gold for you guys?","start":1253.41,"end":1261.99,"sentiment":"neutral","sentiment_score":0.1369510753588243}],"sentiment":"neutral","sentiment_score":0.2161964438855648,"channel":0,"num_words":28,"start":1250.37,"end":1261.99},{"sentences":[{"text":"Sorry.","start":1267.33,"end":1267.6499,"sentiment":"neutral","sentiment_score":-0.07575608789920807},{"text":"Sorry.","start":1267.6499,"end":1267.8899,"sentiment":"neutral","sentiment_score":-0.08088448643684387},{"text":"Can you come again?","start":1267.8899,"end":1268.7899,"sentiment":"neutral","sentiment_score":-0.05994511116296053}],"sentiment":"neutral","sentiment_score":-0.06607016983131568,"channel":1,"num_words":6,"start":1267.33,"end":1268.7899},{"sentences":[{"text":"No.","start":1270.745,"end":1270.905,"sentiment":"neutral","sentiment_score":-0.11933132261037828},{"text":"It's okay.","start":1270.905,"end":1271.545,"sentiment":"neutral","sentiment_score":0.0481947623193264},{"text":"With the your goals, we had you listing down to retire at 65, pay off the","start":1271.545,"end":1277.99,"sentiment":"neutral","sentiment_score":0.12133036158047616}],"sentiment":"neutral","sentiment_score":0.10096547301662595,"channel":0,"num_words":19,"start":1270.745,"end":1277.99},{"sentences":[{"text":"Yeah.","start":1277.8899,"end":1278.3899,"sentiment":"neutral","sentiment_score":0.05245891958475113}],"sentiment":"neutral","sentiment_score":0.05245891958475113,"channel":1,"num_words":1,"start":1277.8899,"end":1278.3899},{"sentences":[{"text":"mortgage, maybe get an investment property.","start":1277.99,"end":1280.57,"sentiment":"neutral","sentiment_score":0.09931479021906853},{"text":"Anything else you wanna do?","start":1280.71,"end":1282.25,"sentiment":"neutral","sentiment_score":0.12257427722215652}],"sentiment":"neutral","sentiment_score":0.10988728431138126,"channel":0,"num_words":11,"start":1277.99,"end":1282.25},{"sentences":[{"text":"Uh-huh.","start":1283.215,"end":1283.615,"sentiment":"neutral","sentiment_score":0.04936739429831505},{"text":"Nothing else.","start":1283.615,"end":1284.4349,"sentiment":"neutral","sentiment_score":0.041148288175463676}],"sentiment":"neutral","sentiment_score":0.04388799021641413,"channel":1,"num_words":3,"start":1283.215,"end":1284.4349},{"sentences":[{"text":"No.","start":1286.3899,"end":1286.71,"sentiment":"neutral","sentiment_score":0.11226166039705276},{"text":"Simple.","start":1286.71,"end":1287.21,"sentiment":"neutral","sentiment_score":0.20333629846572876},{"text":"Pay off everything.","start":1287.35,"end":1288.25,"sentiment":"positive","sentiment_score":0.43282636006673175},{"text":"Live 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things.","start":1296.3049,"end":1297.765,"sentiment":"neutral","sentiment_score":0.11698742210865021},{"text":"I just wanna double check with your insurances.","start":1299.585,"end":1301.845,"sentiment":"neutral","sentiment_score":0.0705807562917471}],"sentiment":"neutral","sentiment_score":0.15900184772908688,"channel":0,"num_words":16,"start":1294.065,"end":1301.845},{"sentences":[{"text":"You've got the tower insurance.","start":1302.48,"end":1303.84,"sentiment":"neutral","sentiment_score":0.10023929029703141},{"text":"I've sent you a certificate of currency so you know what you have.","start":1303.84,"end":1306.98,"sentiment":"neutral","sentiment_score":0.13805973587127832},{"text":"It's $1,300,000 of life insurance and disability insurance, which is to pay off the mortgage and get you four years worth of income replacement.","start":1307.84,"end":1318.1799,"sentiment":"neutral","sentiment_score":0.151269211123387}],"sentiment":"neutral","sentiment_score":0.14110557344697772,"channel":0,"num_words":42,"start":1302.48,"end":1318.1799},{"sentences":[{"text":"Mhmm.","start":1318.775,"end":1319.275,"sentiment":"neutral","sentiment_score":0.06664375960826874},{"text":"Okay.","start":1319.3351,"end":1319.8351,"sentiment":"neutral","sentiment_score":0.10500878095626832}],"sentiment":"neutral","sentiment_score":0.08582627028226852,"channel":1,"num_words":2,"start":1318.775,"end":1319.8351},{"sentences":[{"text":"Now it's not too expensive.","start":1320.455,"end":1321.975,"sentiment":"neutral","sentiment_score":0.17652457505464553},{"text":"It's only about a couple of grand coming out of the super, and you've","start":1321.975,"end":1325.8949,"sentiment":"neutral","sentiment_score":0.1871733654822622}],"sentiment":"neutral","sentiment_score":0.18437105221183678,"channel":0,"num_words":19,"start":1320.455,"end":1325.8949},{"sentences":[{"text":"Mhmm.","start":1325.6,"end":1326.1,"sentiment":"neutral","sentiment_score":0.08147245645523071}],"sentiment":"neutral","sentiment_score":0.08147245645523071,"channel":1,"num_words":1,"start":1325.6,"end":1326.1},{"sentences":[{"text":"also got your income protection.","start":1325.8949,"end":1327.515,"sentiment":"neutral","sentiment_score":0.07055887803435326},{"text":"Now your income protection, if you're out of work for more than one month, it'll pay you monthly income of 9,000 for five years 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insurance.","start":1340.71,"end":1352.785,"sentiment":"neutral","sentiment_score":-0.1518522821690725}],"sentiment":"neutral","sentiment_score":-0.14623959145198265,"channel":0,"num_words":24,"start":1340.15,"end":1352.785},{"sentences":[{"text":"Mhmm.","start":1353.76,"end":1354.26,"sentiment":"neutral","sentiment_score":-0.033724576234817505}],"sentiment":"neutral","sentiment_score":-0.033724576234817505,"channel":1,"num_words":1,"start":1353.76,"end":1354.26},{"sentences":[{"text":"I'm gonna keep an eye on it and make sure it doesn't jump up too high 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go up, like, $6,000 very quickly.","start":1358.845,"end":1362.305,"sentiment":"neutral","sentiment_score":-0.04754661802541126}],"sentiment":"neutral","sentiment_score":-0.04754661802541126,"channel":0,"num_words":11,"start":1358.845,"end":1362.305},{"sentences":[{"text":"Okay.","start":1363.0399,"end":1363.5399,"sentiment":"neutral","sentiment_score":0.03871019184589386},{"text":"Please.","start":1363.6,"end":1364.1,"sentiment":"neutral","sentiment_score":0.03472718596458435},{"text":"Yeah.","start":1364.48,"end":1364.98,"sentiment":"neutral","sentiment_score":0.031022176146507263}],"sentiment":"neutral","sentiment_score":0.034819851318995156,"channel":1,"num_words":3,"start":1363.0399,"end":1364.98},{"sentences":[{"text":"So my two two quick questions for you.","start":1365.76,"end":1368.1799,"sentiment":"neutral","sentiment_score":0.011614901246502995},{"text":"Is $1,300,000 still okay for the life 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there.","start":1398.38,"end":1404.215,"sentiment":"neutral","sentiment_score":0.09164411822954814},{"text":"I just wanna double check.","start":1404.215,"end":1405.255,"sentiment":"neutral","sentiment_score":0.1550949990749359},{"text":"Are you still happy for Oakview to look after your super and still remain a client of ours?","start":1405.255,"end":1409.195,"sentiment":"positive","sentiment_score":0.387180567615562}],"sentiment":"neutral","sentiment_score":0.2186692705334619,"channel":0,"num_words":43,"start":1396.94,"end":1409.195},{"sentences":[{"text":"Yes.","start":1410.44,"end":1410.84,"sentiment":"neutral","sentiment_score":0.2685125470161438},{"text":"I'll be to continue for some 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1.1%.","start":1425.75,"end":1434.4651,"sentiment":"neutral","sentiment_score":0.2117210142314434},{"text":"Okay?","start":1434.4651,"end":1434.9651,"sentiment":"neutral","sentiment_score":0.11463133990764618}],"sentiment":"neutral","sentiment_score":0.18995924336168002,"channel":0,"num_words":53,"start":1414.47,"end":1434.9651},{"sentences":[{"text":"Okay.","start":1435.655,"end":1436.155,"sentiment":"neutral","sentiment_score":0.12449699640274048}],"sentiment":"neutral","sentiment_score":0.12449699640274048,"channel":1,"num_words":1,"start":1435.655,"end":1436.155},{"sentences":[{"text":"Okay.","start":1438.305,"end":1438.805,"sentiment":"neutral","sentiment_score":0.1970403790473938},{"text":"The new email is from OdooSign.","start":1439.745,"end":1442.165,"sentiment":"neutral","sentiment_score":0.26439912617206573},{"text":"When you click the button on that one, it has all the attachments at the bottom like a 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would just stamp it.","start":1467.2051,"end":1468.5851,"sentiment":"neutral","sentiment_score":0.10202325284481048},{"text":"Awesome.","start":1469.8451,"end":1470.3451,"sentiment":"positive","sentiment_score":0.5231199860572815},{"text":"Now outside of the catch up in a year for the investments and everything, do you want me to put in for any catch up this year?","start":1470.4851,"end":1478.59,"sentiment":"neutral","sentiment_score":0.047204553598055136},{"text":"Like, every three months or six months, or you just wanna wait for the twelve months?","start":1478.59,"end":1482.61,"sentiment":"neutral","sentiment_score":0.004632527299690992}],"sentiment":"neutral","sentiment_score":0.04860978845354854,"channel":0,"num_words":49,"start":1467.2051,"end":1482.61},{"sentences":[{"text":"I think six months is also fine.","start":1484.4149,"end":1487.315,"sentiment":"neutral","sentiment_score":0.056246571242809296},{"text":"Currently, we are sitting in May sometime sometime before end of 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but it's not really fine.","start":1500.92,"end":1502.9401,"sentiment":"neutral","sentiment_score":-0.11405447746316592}],"sentiment":"neutral","sentiment_score":-0.07932312890059418,"channel":1,"num_words":9,"start":1499.64,"end":1502.9401},{"sentences":[{"text":"Perfect.","start":1505.0599,"end":1505.5599,"sentiment":"neutral","sentiment_score":0.1909826099872589},{"text":"Alright.","start":1505.62,"end":1505.94,"sentiment":"neutral","sentiment_score":0.1297006458044052},{"text":"I'll put in for six months.","start":1505.94,"end":1507.1399,"sentiment":"neutral","sentiment_score":0.07114134356379509},{"text":"We'll see how the soup is going.","start":1507.1399,"end":1508.4199,"sentiment":"neutral","sentiment_score":0.15210303664207458},{"text":"Hopefully, it's going back up and the market's not crazy anymore.","start":1508.4199,"end":1511.48,"sentiment":"neutral","sentiment_score":0.1547683531587774}],"sentiment":"neutral","sentiment_score":0.1351809407082888,"channel":0,"num_words":26,"start":1505.0599,"end":1511.48},{"sentences":[{"text":"And then I'll put in a note and we can talk about the investments and the estimates that later as well.","start":1511.5399,"end":1515.915,"sentiment":"neutral","sentiment_score":0.15197569273767017}],"sentiment":"neutral","sentiment_score":0.15197569273767017,"channel":0,"num_words":21,"start":1511.5399,"end":1515.915},{"sentences":[{"text":"Yes.","start":1516.635,"end":1517.115,"sentiment":"neutral","sentiment_score":0.06981776654720306},{"text":"Sure.","start":1517.115,"end":1517.4349,"sentiment":"positive","sentiment_score":0.5828916430473328},{"text":"Thank you.","start":1517.4349,"end":1518.1749,"sentiment":"positive","sentiment_score":0.7952792048454285}],"sentiment":"positive","sentiment_score":0.5608169548213482,"channel":1,"num_words":4,"start":1516.635,"end":1518.1749},{"sentences":[{"text":"Awesome.","start":1519.275,"end":1519.775,"sentiment":"positive","sentiment_score":0.8255388736724854},{"text":"We've just hit the half an hour mark, sir.","start":1519.915,"end":1521.8351,"sentiment":"positive","sentiment_score":0.6937186320622762},{"text":"Hopefully, I've made good time there.","start":1521.8351,"end":1523.435,"sentiment":"positive","sentiment_score":0.742259681224823},{"text":"Do you have any questions for me?","start":1523.435,"end":1525.135,"sentiment":"neutral","sentiment_score":0.21586185480867112}],"sentiment":"positive","sentiment_score":0.5666781579670699,"channel":0,"num_words":23,"start":1519.275,"end":1525.135},{"sentences":[{"text":"Nothing.","start":1525.7001,"end":1526.2001,"sentiment":"neutral","sentiment_score":-0.04900423437356949},{"text":"Nothing.","start":1526.26,"end":1526.5801,"sentiment":"neutral","sentiment_score":-0.04681028425693512},{"text":"Thank you for your time.","start":1526.5801,"end":1527.62,"sentiment":"positive","sentiment_score":0.41563281416893005},{"text":"Yeah.","start":1527.62,"end":1528.12,"sentiment":"positive","sentiment_score":0.5049095749855042}],"sentiment":"neutral","sentiment_score":0.3109073908999562,"channel":1,"num_words":8,"start":1525.7001,"end":1528.12},{"sentences":[{"text":"Awesome.","start":1529.77,"end":1530.17,"sentiment":"positive","sentiment_score":0.7797744870185852},{"text":"You have a fantastic day.","start":1530.17,"end":1531.6901,"sentiment":"positive","sentiment_score":0.791451370716095},{"text":"Thank you for your time.","start":1531.6901,"end":1532.7301,"sentiment":"positive","sentiment_score":0.7218079090118408},{"text":"If you can just have a look at that email and give that a sign when you're comfortable.","start":1532.7301,"end":1535.79,"sentiment":"neutral","sentiment_score":0.3276647958490584},{"text":"If not, just give us a call if you have any questions.","start":1536.01,"end":1538.25,"sentiment":"neutral","sentiment_score":0.08582426545520623}],"sentiment":"positive","sentiment_score":0.37253483893667777,"channel":0,"num_words":41,"start":1529.77,"end":1538.25},{"sentences":[{"text":"Okay?","start":1538.25,"end":1538.75,"sentiment":"neutral","sentiment_score":0.14362557232379913}],"sentiment":"neutral","sentiment_score":0.14362557232379913,"channel":0,"num_words":1,"start":1538.25,"end":1538.75},{"sentences":[{"text":"Sure.","start":1539.195,"end":1539.595,"sentiment":"neutral","sentiment_score":0.24295446276664737},{"text":"We'll do that one.","start":1539.595,"end":1540.3949,"sentiment":"positive","sentiment_score":0.38193851709365845},{"text":"Yeah.","start":1540.3949,"end":1540.5549,"sentiment":"neutral","sentiment_score":0.327730268239975},{"text":"Thank you.","start":1540.5549,"end":1541.2949,"sentiment":"positive","sentiment_score":0.662767767906189}],"sentiment":"positive","sentiment_score":0.42799679189920425,"channel":1,"num_words":8,"start":1539.195,"end":1541.2949},{"sentences":[{"text":"Awesome.","start":1542.949,"end":1543.2689,"sentiment":"positive","sentiment_score":0.7559546232223511},{"text":"Have a fantastic day.","start":1543.2689,"end":1544.309,"sentiment":"positive","sentiment_score":0.7648538649082184},{"text":"I'll see you later.","start":1544.309,"end":1545.129,"sentiment":"positive","sentiment_score":0.6433060616254807}],"sentiment":"positive","sentiment_score":0.7098438143730164,"channel":0,"num_words":9,"start":1542.949,"end":1545.129},{"sentences":[{"text":"You too.","start":1545.755,"end":1546.3949,"sentiment":"positive","sentiment_score":0.39391084015369415},{"text":"Bye.","start":1546.3949,"end":1546.8949,"sentiment":"neutral","sentiment_score":0.27387070655822754}],"sentiment":"positive","sentiment_score":0.35389746228853863,"channel":1,"num_words":3,"start":1545.755,"end":1546.8949},{"sentences":[{"text":"Thank you.","start":1548.469,"end":1549.0289,"sentiment":"positive","sentiment_score":0.5725500583648682},{"text":"Bye.","start":1549.0289,"end":1549.5289,"sentiment":"neutral","sentiment_score":-0.09657568484544754}],"sentiment":"positive","sentiment_score":0.3495081439614296,"channel":0,"num_words":3,"start":1548.469,"end":1549.5289}]},"summary":{"result":"success","short":"During a review, a senior adviser from Net redesigned Mr. Subaraman's investment portfolio and advised him on his retirement age and use of old investments. The adviser also discussed his investment strategy and retirement plans, including reducing contributions and maintaining a stable investment portfolio. They discussed setting up a trust fund and retirement plans, including the possibility of a retirement plan and other financial options. The speaker confirmed details and discussed insurance coverage, scheduling a follow-up meeting for future catch-up."},"intents":{"segments":[{"text":"what I'll do today, we'll go through your super performance and I'll talk to you about SMSF. Yeah.","start_word":354,"end_word":371,"intents":[{"intent":"Discuss ssf","confidence_score":0.4710117},{"intent":"Discuss investment","confidence_score":0.03580981},{"intent":"Review performance","confidence_score":0.10151334}]},{"text":"Now what I've got coming through to you first is a performance update from NetWell. Now I had a bit of a look at your portfolio because we've made some changes recently. The good news is do you you remember you're, like, in a high growth portfolio mostly in, like, shares, property, gold? Does that ring a bell? No.","start_word":417,"end_word":475,"intents":[{"intent":"Share portfolio updates","confidence_score":0.0007851802}]},{"text":"Now I had a bit of a look at your portfolio because we've made some changes recently. The good news is do you you remember you're, like, in a high growth portfolio mostly in, like, shares, property, gold? Does that ring a bell? No.","start_word":432,"end_word":475,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.12156677}]},{"text":"So the way I see your portfolio is you're pretty much in what we call like a high risk. So all of your money is in growth assets like shares and gold and property, and Mhmm.","start_word":477,"end_word":512,"intents":[{"intent":"Discuss financial contributions","confidence_score":0.0054886756}]},{"text":"So the way I see your portfolio is you're pretty much in what we call like a high risk. So all of your money is in growth assets like shares and gold and property, and Mhmm. the whole point there is to get the high return. Once you've got your your million dollars, when you're closer to retirement, we can obviously protect it because you probably don't wanna be high risk at age 64 and you lose half your throughput.","start_word":477,"end_word":556,"intents":[{"intent":"Discuss high-risk portfolio","confidence_score":0.042920493},{"intent":"Discuss high-risk investments","confidence_score":0.27700964},{"intent":"Discuss high return","confidence_score":0.00429221},{"intent":"Discuss high-risk investments","confidence_score":0.09041023},{"intent":"Discuss high-risk investments","confidence_score":0.12639886}]},{"text":"And one thing that I have to let you know is that all of the investment options that you've got, they've been performing really good. You you had your gold go up 22%. Your American shares up 16%. Everything's looking really good.","start_word":659,"end_word":700,"intents":[{"intent":"Update investment options","confidence_score":0.048630208}]},{"text":"So instead of having all your money in shares, gold, and property, in the last six years, we've reduced it down to, like, 90%, eighty, seventy, 60. Yep.","start_word":1018,"end_word":1045,"intents":[{"intent":"Reduce investments","confidence_score":0.057000652}]},{"text":"And one of the things I've got to kind of warn is that with everything going on in the market, it's gonna go up and down a lot this year and because returns for super, it's a percentage base. So if you go up or down 10% because of your balance, it's gonna go up or down $2,030,000 dollars every couple of months.","start_word":1296,"end_word":1358,"intents":[{"intent":"Maintain investment balance","confidence_score":0.060976457}]},{"text":"So if if he if he continues for some some blessings for my team, if we continue to say, my contributions remain the more or less the same amount per next year twenty years, where we Yeah.","start_word":1414,"end_word":1450,"intents":[{"intent":"Communicate benefits","confidence_score":0.000039607097}]},{"text":"So going back to the conversation. Right? How about so what will be the impact or what what will be the outcome if I have to take something out of the super to book the property? Is it still a good option to think of instead of doing this investment in the market or buying a property?","start_word":2000,"end_word":2056,"intents":[{"intent":"Evaluate property options","confidence_score":0.063727394}]},{"text":"So accountant Mhmm. charges to set up all of the trust in company, and the adviser charges to set up the bank account, the strategy, and the investment account for your new super fund. Yeah.","start_word":2241,"end_word":2275,"intents":[{"intent":"Provide information about super fund setup and charges","confidence_score":3.13879e-7}]},{"text":"So it's been high time. I think it's been five to six years. I've for five years, I keep saying that I should invest something at the property, but I'm Yeah.","start_word":2518,"end_word":2548,"intents":[{"intent":"Evaluate investment options","confidence_score":0.028229712}]},{"text":"Now with your estate planning, your partner was listed as your beneficiary for your super, and I'm just double checking if you wanted her still to receive the super and the life insurance if you passed away. Yes.","start_word":2869,"end_word":2906,"intents":[{"intent":"Verify beneficiary confirmation","confidence_score":0.000032625547},{"intent":"Offer super super","confidence_score":2.3742427e-7},{"intent":"Acknowledge receipt of super","confidence_score":0.000009183579},{"intent":"Mention tpg's super estate plan","confidence_score":0.0000030376798}]},{"text":"With your occupation, are you still senior architect for TPG? Ah, yes.","start_word":2994,"end_word":3005,"intents":[{"intent":"Confirm occupation and assets","confidence_score":0.00031818013}]},{"text":"And I think we said you're putting away, hopefully, trying to save about Yes. $1,000 a month?","start_word":3011,"end_word":3027,"intents":[{"intent":"Inquire about savings","confidence_score":0.10158701}]},{"text":"$1,000 a month?","start_word":3025,"end_word":3027,"intents":[{"intent":"Describe financial situation","confidence_score":0.00009296463}]},{"text":"And with your assets, your property last check was valued at 1,000,000 with $750,000 loan. Is that pretty close? Yes. Yep. And I think the only other assets you had was the two cars, which was the Kia and the Hyundai. Yes. Okay.","start_word":3030,"end_word":3072,"intents":[{"intent":"Describe current asset status","confidence_score":0.000035763205}]},{"text":"We do have some I have got some kind of the equity in my account. So can I just put out an estimate? Is it, like, 5,000, 10,000, 20,000 for emergency savings?","start_word":3099,"end_word":3130,"intents":[{"intent":"Request estimate","confidence_score":0.04869169}]},{"text":"So outside of paying down the mortgage, growing the super, maybe getting an investment property, anything else for gold for you guys? Sorry.","start_word":3157,"end_word":3179,"intents":[{"intent":"Pay mortgage","confidence_score":0.0069786734},{"intent":"Get investment property","confidence_score":0.74675375},{"intent":"Pay mortgage","confidence_score":0.0004768684}]},{"text":"I just wanna double check with your insurances. You've got the tower insurance. I've sent you a certificate of currency so you know what you have. It's $1,300,000 of life insurance and disability insurance, which is to pay off the mortgage and get you four years worth of income replacement. Mhmm. Okay.","start_word":3237,"end_word":3288,"intents":[{"intent":"Check insurances","confidence_score":0.03550372}]},{"text":"also got your income protection. Now your income protection, if you're out of work for more than one month, it'll pay you monthly income of 9,000 for five years maximum. Okay.","start_word":3309,"end_word":3339,"intents":[{"intent":"Have income protection","confidence_score":0.0015672485}]},{"text":"Now because your total premiums are just around 3,400, it's getting more expensive, and your next bill is in September for tal insurance. Mhmm.","start_word":3341,"end_word":3364,"intents":[{"intent":"Assess cost","confidence_score":0.00037829406}]},{"text":"Mate, last thing is I've in the annual review email I've sent you, there's a service agreement there. I just wanna double check.","start_word":3461,"end_word":3483,"intents":[{"intent":"Inform about service agreement","confidence_score":0.00034203005}]},{"text":"I'll be to continue for some time. Yeah.","start_word":3502,"end_word":3509,"intents":[{"intent":"Express desire to continue with services","confidence_score":0.00020735084}]},{"text":"Now remember, the fees are 1.65%, and it's charged split into little monthly payments, and your super fund gets a 15% tax deduction for those. Now when you bring your partner on board, if you wanna do some joint super advice later, we do have a partner discount down to 1.1%. Okay? Okay. Okay.","start_word":3511,"end_word":3564,"intents":[{"intent":"Provide pricing and discount","confidence_score":0.000056256427}]},{"text":"Now outside of the catch up in a year for the investments and everything, do you want me to put in for any catch up this year? Like, every three months or six months, or you just wanna wait for the twelve months?","start_word":3665,"end_word":3707,"intents":[{"intent":"Inquire about catch-up in a year","confidence_score":0.0025264348},{"intent":"Inquire about future investments","confidence_score":0.0051335855}]},{"text":"Now outside of the catch up in a year for the investments and everything, do you want me to put in for any catch up this year? Like, every three months or six months, or you just wanna wait for the twelve months? I think six months is also fine. Currently, we are sitting in May sometime sometime before end of this year. If you can do catch up, that will be really really helpful. Yep.","start_word":3665,"end_word":3740,"intents":[{"intent":"Ask about expected growth","confidence_score":8.15331e-8}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, mister Subaraman. It's Tommy here, senior adviser from. How are you doing? Hey, Tommy.","start_word":0,"end_word":16,"sentiment":"neutral","sentiment_score":0.15800590813159943},{"text":"Good. Thank you. How are you? Man, living the dream. It's been a fantastic day. How about yours? All good. Fantastic Can't complain.","start_word":17,"end_word":39,"sentiment":"positive","sentiment_score":0.5567647218704224},{"text":"weather in Fair Sydney. enough.","start_word":40,"end_word":44,"sentiment":"neutral","sentiment_score":0.1861148178577423},{"text":"Good, mate.","start_word":45,"end_word":46,"sentiment":"positive","sentiment_score":0.3947467505931854},{"text":"Oh, Good. coffee today. Coffee I've got today. this Yes, annual sir. review. Oh, sorry? I'm I'm in office as well, so good I'm at a good place. Just came to some silent Perfect. place as well, so I was waiting for your call.","start_word":47,"end_word":90,"sentiment":"neutral","sentiment_score":0.2414584457874298},{"text":"Awesome. I appreciate that.","start_word":91,"end_word":94,"sentiment":"positive","sentiment_score":0.5401076078414917},{"text":"And how much time do I have with you today? I won't take up too much, but just so I know. I'm I've logged thirty minutes off my calendar so we can we can discuss.","start_word":95,"end_word":129,"sentiment":"neutral","sentiment_score":0.060139719396829605},{"text":"That's perfect.","start_word":130,"end_word":131,"sentiment":"positive","sentiment_score":0.49463701248168945},{"text":"Now I'm gonna shoot through your annual review pack to your email. Do you mind Yeah. if I just double check a quick security check with you, sir? Yeah. Cool. I've got the call recorded for training and quality purposes, and I'm registered with ASIC as adviser 1273105. Could I please confirm your date of birth and address? It's twenty two zero seven nineteen eighty. Another is 20 Mhmm. Balfour State, telephone 2762. Perfect. Now will you be able to look on to this email that I'm sending through to you today, or should I just walk you through what's coming through? You can start working through, and the meantime, we'll try to open the email as well. Yep. No worries. Now is there anything in particular that you're looking for for this review, sir? Yes. I want to know how how the investments that we have done is looking for. I mean, with the the market being kind of fluctuating with the the West war, What's happening with my superannuation and and also I want to know whether the people are talking about this SMS or SMS kind of thing. Right? We're investing using our super.","start_word":132,"end_word":328,"sentiment":"neutral","sentiment_score":0.042670611292123795},{"text":"How good it is and whether we can do that one.","start_word":329,"end_word":339,"sentiment":"positive","sentiment_score":0.6628352403640747},{"text":"So I want to know more about that one as Yep.","start_word":340,"end_word":350,"sentiment":"neutral","sentiment_score":0.1471930593252182},{"text":"Absolutely.","start_word":351,"end_word":351,"sentiment":"positive","sentiment_score":0.5260685682296753},{"text":"So well. what I'll do today, we'll go through your super performance and I'll talk to you about SMSF. Yeah. I will just need to double check your details that we have on file because we have a new system. Just wanna see if anything changed in your life and just touch on your insurances briefly and your beneficiaries, and that's pretty much it. Okay. Now what I've got coming through to you first is a performance update from NetWell. Now I had a bit of a look at your portfolio because we've made some changes recently. The good news is do you you remember you're, like, in a high growth portfolio mostly in, like, shares, property, gold? Does that ring a bell? No. Okay. So the way I see your portfolio is you're pretty much in what we call like a high risk. So all of your money is in growth assets like shares and gold and property, and Mhmm. the whole point there is to get the high return. Once you've got your your million dollars, when you're closer to retirement, we can obviously protect it because you probably don't wanna be high risk at age 64 and you lose half your throughput. Do you know what I mean? Yeah. Yep. Yep. Now it is still positive for the year. I'm looking at all of the year's returns. You had it go up 20%, 16%, 16%, and this year it's up about 1%. The stock market, it went up 10% Christmas time, and then it came back down. So it's pretty well flat at the moment. Now your No. balance, if that makes sense, you're with 215,000 a year ago, and you're sitting at 231,000 now. Okay.","start_word":352,"end_word":640,"sentiment":"neutral","sentiment_score":0.035604607313871384},{"text":"Very good.","start_word":641,"end_word":642,"sentiment":"positive","sentiment_score":0.5688894987106323},{"text":"Yeah.","start_word":643,"end_word":643,"sentiment":"neutral","sentiment_score":0.31631094217300415},{"text":"Cool? Now that's mainly, obviously, because of your contributions are really good from what. And one thing that I have to let you know is that all of the investment options that you've got, they've been performing really good. You you had your gold go up 22%. Your American shares up 16%. Everything's looking really good.","start_word":644,"end_word":699,"sentiment":"positive","sentiment_score":0.4725989177823066},{"text":"There was one option in Christmas time that did really bad out of the eight that you have, and that was the Australian shares that you have in Bennelong. Mhmm. Now that went down pretty heavily around Christmas about 16%. So one thing that we did normally, when I do a review with you, we would discuss maybe doing some changes we need to, but we made a licensee decision across all clients in Netwealth because Mhmm.","start_word":700,"end_word":776,"sentiment":"neutral","sentiment_score":-0.1811921149492264},{"text":"this funds was doing a lot worse than the Australian market, and it wasn't picking back up again.","start_word":777,"end_word":794,"sentiment":"negative","sentiment_score":-0.47957590222358704},{"text":"So we actually switched that out across all clients about two months ago, and it's gone back Okay. into the positive now. Okay. Okay. How does that sound for you so far?","start_word":795,"end_word":826,"sentiment":"neutral","sentiment_score":-0.011116198264062405},{"text":"Pretty good.","start_word":827,"end_word":828,"sentiment":"positive","sentiment_score":0.3969382047653198},{"text":"Yeah. We can continue. Yeah. Yep. Now one of the things I was looking at was your original advice from Sevvy in 2020. We had you trying to get to around about 209,000 by this year, and you're sitting at 231,000. So you're still above where we were projecting originally as well back in 2020. Okay.","start_word":829,"end_word":884,"sentiment":"neutral","sentiment_score":0.11827285587787628},{"text":"Very, very good.","start_word":885,"end_word":887,"sentiment":"positive","sentiment_score":0.43280163407325745},{"text":"So it's a combination of the my contributions plus the the market. Right? The investments we have done. Yes. Correct. Okay. Okay. Now one thing I wanna check with you is the general plan for you, we had you wanting to retire around about age 65. You can access your super at 60. That's your preservation age. Are you wanting to retire as early as possible, or is 65 still your goal? 65. Yep. So one thing that I kind of look at there is if that's still about twenty years away, normal market fluctuation cycles around about seven years. So that kind of gives us about fourteen years to get as much growth as possible. And in the last Mhmm. six years, we have to slowly protect it. So instead of having all your money in shares, gold, and property, in the last six years, we've reduced it down to, like, 90%, eighty, seventy, 60. Yep. That was that was the question that exactly popped in my mind now. So is our 100% of the money is currently in in the in the rotation of investment? Are are we using only 70% of the money and keeping some of the amount in stock kind of thing? What we're doing currently? Yes. So everything is currently invested. And when your contributions come in from work, we spread them between all the different investment options. So it's kind of like a a dollar cost averaging strategy. So if the market goes up or down, every month your contributions come in and we can keep buying in all those different assets. Okay. And and Okay. you are So saying I just wanna and and you are saying that over the period, so we will try to reduce that investment as we get older. We will try to reduce the and then we are making investments, giving some buffer. That's what you are trying to say. Yes. And when you get to that that age, maybe 55, 56, or a little bit older, we put more into fixed interest like bonds and term deposits for safer returns more and more as you get to those last few years. Okay. Okay. Now are you comfortable with that kind of high growth approach still at the moment? Yes. At the moment, it should be fine. As long Yep.","start_word":888,"end_word":1280,"sentiment":"neutral","sentiment_score":0.077754644293139},{"text":"as we are Now going in a positive way, it should be fine.","start_word":1281,"end_word":1293,"sentiment":"positive","sentiment_score":0.5689125061035156},{"text":"Yeah. yeah. And one of the things I've got to kind of warn is that with everything going on in the market, it's gonna go up and down a lot this year and because returns for super, it's a percentage base. So if you go up or down 10% because of your balance, it's gonna go up or down $2,030,000 dollars every couple of months. Now when you get closer to retirement, once you build up 500,000, it's gonna be going up and down 50,000 a year.","start_word":1294,"end_word":1380,"sentiment":"neutral","sentiment_score":-0.22417601943016052},{"text":"And when you get 700,000, it's gonna be going up $7,080,000 dollars a year.","start_word":1381,"end_word":1394,"sentiment":"positive","sentiment_score":0.33594420552253723},{"text":"So the bigger your balance, the more it's gonna swing compared to what you're putting in as contributions. Okay.","start_word":1395,"end_word":1413,"sentiment":"neutral","sentiment_score":0.27233588695526123},{"text":"So if if he if he continues for some some blessings for my team, if we continue to say, my contributions remain the more or less the same amount per next year twenty years, where we Yeah.","start_word":1414,"end_word":1450,"sentiment":"positive","sentiment_score":0.3478204011917114},{"text":"will be standing at the point And and what is our projections for next ten years and next twenty years with we doing some kind of just regular investments into the market? Yeah.","start_word":1451,"end_word":1483,"sentiment":"neutral","sentiment_score":0.13429971039295197},{"text":"So as it stands currently with your investments and your contribution, you should still be able to clear about a million dollars pretty comfortably.","start_word":1484,"end_word":1507,"sentiment":"positive","sentiment_score":0.45630159974098206},{"text":"Okay.","start_word":1508,"end_word":1508,"sentiment":"neutral","sentiment_score":0.32322433590888977},{"text":"So if you continue with that same same amount of investments, we will be we'll be reaching around million dollars in twenty years.","start_word":1509,"end_word":1531,"sentiment":"positive","sentiment_score":0.3956497311592102},{"text":"Yep. And And what and that means and yeah. Go ahead. yeah. Yeah. Yeah. No. Go ahead. When you've got a million there and you've got your pension account, you can pull out, say, 5% deliver, which I think we had your goal at around about 900 to $1,000 a week with your mortgage paid off. And what that means is if you only pull out, say, 50,000 a year in today's dollars, it means that by the end of, let's say, when you're 90 or 100 years old, you should still have seven or eight hundred thousand dollars there to pass on to the family as a bit of a legacy. Okay. That's that's long term, but we we can discuss the fact that we need to think of, but it's a long term. But so Yeah. so so what we're saying is coming back to our conversation. So in in case of we stopping it to 50 percentage, right, keeping keeping the 50 percentage intact and only it's like 50 percentage by first month after ten years, right, at the age of April. Currently, I'm 45. 55, if we say, they do only 50 percentage of investments and continue with only contributions and 50 percentage keeping in this kind of 50 or the term deposit kind of thing. So if we go down the path, that that we will be at the age of 65 in another twenty years. That will be still around the same million dollars or we are we saying less than that one or maybe more than that one?","start_word":1532,"end_word":1796,"sentiment":"neutral","sentiment_score":0.06614828016960396},{"text":"Great question.","start_word":1797,"end_word":1798,"sentiment":"positive","sentiment_score":0.4008736312389374},{"text":"So I'm still think I'm still predicting the million dollars when we get to the point of age 56, maybe 57, and then that's when we're gonna reduce it down to, like, 80%, 60%, fifty, forty over a six year period. And so it'll Okay. still grow a little bit, so maybe the 1.2, 1.3 depending. Okay. So you you are projecting 1,000,000 in 10 itself, is it? Not in twelve years. Ten years itself, we are saying that we have been 1,000,000 Yeah. About or around 10 a to million. 12. So 10 to 12 will be around a million if the contribution Yeah. So continues as such. correct.","start_word":1799,"end_word":1908,"sentiment":"neutral","sentiment_score":0.05830052122473717},{"text":"This is kind of your period where everyone hits 45, 46, and you've got really good income.","start_word":1909,"end_word":1925,"sentiment":"positive","sentiment_score":0.3894384801387787},{"text":"And going from that 250,000 up to the million really happens between age 45 and 56, and then you've got to protect it. Okay. Okay? Now I don't think you need to put any extra in. You don't need to do any salary sacrifice or anything. You can if you want to. It's a little bit but you have to modify the call for about getting investment properties and things like that. Yeah. Yeah. So going back to the conversation. Right? How about so what will be the impact or what what will be the outcome if I have to take something out of the super to book the property? Is it still a good option to think of instead of doing this investment in the market or buying a property? Well so for the self managed super fund, what you've essentially gotta do is Mhmm. find out kind of what properties you're looking to buy. And will you be using any super with your partner or just be your super? Just be my super. Okay. So normally, the minimum to buy the investment property using the super, you wanna have about 250, 260,000 because the deposits are a lot bigger for loading to a super fund. Mhmm. Now once you do that so to do a self managed super fund, you usually use an accountant, and they set up a trust fund in the company to set up your own super. And then you you basically put in place a bank account to put all the money into, and from that bank account, you go and do a loan to buy the property, which needs another trust fund and another company. So you've got to set up two trust funds and two companies, that's $5,000. And then the advice to do the property and investing everything else, that's probably another 4,500 from the advisers. So accountant Mhmm. charges to set up all of the trust in company, and the adviser charges to set up the bank account, the strategy, and the investment account for your new super fund. Yeah. I so it's for the set of petrols with with the same somewhere around the $10,000 you are paying. Is that what I understand? Yeah. Outside of anything for a property cost. Like, you know, when you go to buy a property, it's a stamp duty or or real estate fees and things like that. It's about 10,000 for the cost of the accounts within the adviser. Okay. And then is there any minimum that you want to say that when you say that we should be having from $2.50? So that's the minimum amount that we should be having in super to take it out, is it? Yeah. Minimum $2.50. And if you're doing it just by yourself on your own contributions, probably more towards about $2.80 or 300 depending on how big of a property you wanna buy. Because it's gonna be a new property because you can't buy an old one and renovate it. So it has to be kind of like a new property. Okay. And and and our current balance sitting in $2. 30, am I still eligible to take it out or probably may not be eligible to even to do that one?","start_word":1926,"end_word":2473,"sentiment":"neutral","sentiment_score":0.0017029829680185466},{"text":"Probably in about one year's time, would be looking pretty good.","start_word":2474,"end_word":2484,"sentiment":"positive","sentiment_score":0.4691157937049866},{"text":"Okay. Now I'll just write this down so it's on your goals in your file. But are you thinking of getting an investment property personal and in super, like getting two? Hi. So it's been high time. I think it's been five to six years. I've for five years, I keep saying that I should invest something at the property, but I'm Yeah. not I'm not able to I've not managed to do that one. So so discussing with the people and family and friends, I think that one of the options that came through recently is about this self managed super kind of thing. So I I thought either it will be it will be either or only. Right?","start_word":2485,"end_word":2604,"sentiment":"neutral","sentiment_score":0.00832117535173893},{"text":"I cannot pay a salary and the one that I'm paying for the mortgages and all, I will not be able to manage two investment profit at this stage.","start_word":2605,"end_word":2633,"sentiment":"negative","sentiment_score":-0.38257360458374023},{"text":"Yeah. It will be either through super or super only. So I'm still still looking for my Yep. partner to start start a new job for us. So only when only when she's at this time, then I will be able to even think of that one. So that time, Yeah. a year year I can wait. So then there could be some if she goes for work and there could be some some contributions from work to be super. I can see whether I can combine both and try to take something. Or based upon our income, then I can think of whether I will be able to manage with our income itself without disturbing the super whether I will be able to do some kind of investment property. We can we Yes. can find Yep. that for No. for That's that for fair one enough. one more year. Yeah. We'll see how we go. Yep. Yeah. And, also, I need to see what happens with the the federal budget tonight because of all the changes to capital gains tax and everything is gonna impact both the properties and superannuation. So Mhmm. we're gonna kind of research that as well. Okay. Makes sense.","start_word":2634,"end_word":2837,"sentiment":"neutral","sentiment_score":0.03325091052216058},{"text":"Yeah. Cool.","start_word":2838,"end_word":2839,"sentiment":"positive","sentiment_score":0.47129368782043457},{"text":"Now can I just double check a couple of your details there, and then I'll just go through your insurances, and that should be pretty much it? Okay. Now with your estate planning, your partner was listed as your beneficiary for your super, and I'm just double checking if you wanted her still to receive the super and the life insurance if you passed away. Yes. Yeah. It will continue. Yep. Did you put I I signed up a couple of documents for my super kind of not kind of will, but I I think nominees kind of thing I submitted some documents with. It's a different Yeah. my partner That's and right. my son nominate here. I did that one already. Okay. Cool. And are you thinking of putting in place a a will or a power of attorney at some point or a little bit A later? little bit later. Yep. With your occupation, are you still senior architect for TPG? Ah, yes. Yep. And about 180,000? Yep. And I think we said you're putting away, hopefully, trying to save about Yes. $1,000 a month? Yes. Yep. And with your assets, your property last check was valued at 1,000,000 with $750,000 loan. Is that pretty close? Yes. Yep. And I think the only other assets you had was the two cars, which was the Kia and the Hyundai. Yes. Okay. The only thing I need to note down, sir, is do you have anything put aside in savings at the moment or, like, emergency fund? Yes. We do have some I have got some kind of the equity in my account. So can I just put out an estimate? Is it, like, 5,000, 10,000, 20,000 for emergency savings? It is it is close to 120. It's close to yeah. 120 150. Ah, yeah. It's offset count. Yeah.","start_word":2840,"end_word":3148,"sentiment":"neutral","sentiment_score":0.043981846421957016},{"text":"Amazing. Alright. So that's doing fantastic.","start_word":3149,"end_word":3154,"sentiment":"positive","sentiment_score":0.6182645559310913},{"text":"So outside of paying down the mortgage, growing the super, maybe getting an investment property, anything else for gold for you guys? Sorry. Sorry. Can you come again? No. It's okay. With the your goals, we had you listing down to retire at 65, pay off the Yeah. mortgage, maybe get an investment property. Anything else you wanna do? Uh-huh. Nothing else. No. Simple.","start_word":3155,"end_word":3218,"sentiment":"neutral","sentiment_score":0.08725619316101074},{"text":"Pay off everything. Live happy. Be healthy. Same, man. Yep. Perfect.","start_word":3219,"end_word":3229,"sentiment":"positive","sentiment_score":0.5305087566375732},{"text":"Alright. So last couple of things. I just wanna double check with your insurances. You've got the tower insurance. I've sent you a certificate of currency so you know what you have. It's $1,300,000 of life insurance and disability insurance, which is to pay off the mortgage and get you four years worth of income replacement. Mhmm. Okay. Now it's not too expensive. It's only about a couple of grand coming out of the super, and you've Mhmm. also got your income protection. Now your income protection, if you're out of work for more than one month, it'll pay you monthly income of 9,000 for five years maximum. Okay. Okay. Now because your total premiums are just around 3,400, it's getting more expensive, and your next bill is in September for tal insurance. Mhmm. I'm gonna keep an eye on it and make sure it doesn't jump up too high because Okay. once Yes. you're in your fifties, it'll go up, like, $6,000 very quickly. Okay. Please. Yeah. So my two two quick questions for you. Is $1,300,000 still okay for the life insurer? That's fine. Yes. Yep. And for the income protection, just because your income has gone up, you could have $11,000 a month worth of cover, but you've got 9,000 a month. Is 9,000 a month still okay to pay the bill? Yeah. Okay. Yep. Alright. Mate, last thing is I've in the annual review email I've sent you, there's a service agreement there. I just wanna double check.","start_word":3230,"end_word":3481,"sentiment":"neutral","sentiment_score":0.03674762056667417},{"text":"Are you still happy for Oakview to look after your super and still remain a client of ours?","start_word":3482,"end_word":3499,"sentiment":"positive","sentiment_score":0.3772707879543304},{"text":"Yes. I'll be to continue for some time. Yeah. Okay. Now remember, the fees are 1.65%, and it's charged split into little monthly payments, and your super fund gets a 15% tax deduction for those. Now when you bring your partner on board, if you wanna do some joint super advice later, we do have a partner discount down to 1.1%. Okay? Okay. Okay. The new email is from OdooSign. When you click the button on that one, it has all the attachments at the bottom like a PDF. But when you go inside it, it'll ask you to scroll through the document, to read it all, make sure you're happy. And then when you click the little purple button, it'll put your signature on there. Okay? Yep. If you wanna draw it, you just click on the sign box and it'll let you draw it with your finger or your mouse, Okay. but Yeah. Yeah. otherwise, Yeah. it would just stamp it.","start_word":3500,"end_word":3662,"sentiment":"neutral","sentiment_score":0.1828639805316925},{"text":"Awesome.","start_word":3663,"end_word":3663,"sentiment":"positive","sentiment_score":0.5231199860572815},{"text":"Now outside of the catch up in a year for the investments and everything, do you want me to put in for any catch up this year? Like, every three months or six months, or you just wanna wait for the twelve months? I think six months is also fine. Currently, we are sitting in May sometime sometime before end of this year. If you can do catch up, that will be really really helpful. Yep. So a bit of Say, by a catch up by before November. Christmas. Yeah. Yeah. Yeah. Now, but it's not really fine. Perfect. Alright. I'll put in for six months. We'll see how the soup is going. Hopefully, it's going back up and the market's not crazy anymore. And then I'll put in a note and we can talk about the investments and the estimates that later as well. Yes.","start_word":3664,"end_word":3809,"sentiment":"neutral","sentiment_score":0.07402612268924713},{"text":"Sure. Thank you. Awesome. We've just hit the half an hour mark, sir. Hopefully, I've made good time there.","start_word":3810,"end_word":3828,"sentiment":"positive","sentiment_score":0.7172083854675293},{"text":"Do you have any questions for me? Nothing. Nothing.","start_word":3829,"end_word":3837,"sentiment":"neutral","sentiment_score":0.12763336300849917},{"text":"Thank you for your time. Yeah. Awesome. You have a fantastic day. Thank you for your time.","start_word":3838,"end_word":3854,"sentiment":"positive","sentiment_score":0.6495029926300049},{"text":"If you can just have a look at that email and give that a sign when you're comfortable. If not, just give us a call if you have any questions. Okay? Sure.","start_word":3855,"end_word":3886,"sentiment":"neutral","sentiment_score":0.22410425543785095},{"text":"We'll do that one.","start_word":3887,"end_word":3890,"sentiment":"positive","sentiment_score":0.3679993748664856},{"text":"Yeah.","start_word":3891,"end_word":3891,"sentiment":"neutral","sentiment_score":0.327730268239975},{"text":"Thank you. Awesome. Have a fantastic day. I'll see you later. You too.","start_word":3892,"end_word":3904,"sentiment":"positive","sentiment_score":0.6437960863113403},{"text":"Bye.","start_word":3905,"end_word":3905,"sentiment":"neutral","sentiment_score":0.27387070655822754},{"text":"Thank you.","start_word":3906,"end_word":3907,"sentiment":"positive","sentiment_score":0.5779737234115601},{"text":"Bye.","start_word":3908,"end_word":3908,"sentiment":"neutral","sentiment_score":0.3047172725200653}],"average":{"sentiment":"neutral","sentiment_score":0.08330798062675897}}}}