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I had you booked in today just to have a bit more of an in-depth conversation around looking at for getting some financial advice and how we can help with your goals. Is now still a good time there for you? Oh, fantastic. How's your morning been so far? Yeah. Fantastic. Well, I'll try not to take up too much of your time. Before we jump into the call, just to let you know, we do record our calls for quality and training purpose. Is he happy to submit a proceed with that? Fantastic. So, Ali, thank you so much for your time. Just to sort of run through, I know you've done quite a bit of the research there with Madison. I'll just go through and update anything that I might be missing here, and we'll have a bit more of a conversation on what your goals are, what you're looking for in the way of financial advice, and anything I'd just might need to be able to put that together for you. Okay? Fantastic. The first thing that seems that I'm missing here is your date of birth. Can I grab that off you? 06/25/1989. Beautiful. Thank you so much for that. And when you look forward I know you've got a lot of time ahead of you. You're still very young. But when you look forward towards your retirement goals, do you know what kind of age you're hoping to maybe stop work and the other access you're super in the future? Yeah. Yeah. Absolutely. Perfect. I'll pop that in here for you. Fantastic. And have you ever thought of no. Not everyone has, but have you ever sort of thought of what kind of income you might be looking to draw down or live off in those retirement years? If you haven't, that's honestly okay. Yeah. I know. Absolutely. Yeah. Yeah. Yeah. No. Absolutely. We'll just wait and see what comes from that. Absolutely. All good. And I can see here now double checking your your surname. Is that still Farro the same as Reza's? Okay. Perfect. And I've got your Superfund here under your previous your maiden name. It's under Bulger. Is that right? That's absolutely okay. That's not a problem. Yep. Okay. No. That's alright. We can honestly, as part of the advice, we can help you to to change that name. It's not a problem at all. Is Farah on your driver's license or your ID? Yep. Yep. Everything. Yep. Yep. Fantastic. No. Not a problem at all. Excellent. We can certainly help you to change the name on your super fund as part of the implementation process if you take on the advice, so it's not an issue in any way, shape, or form. Okay? Beautiful. Now I can see here that you're working around about eighteen hours per week at the moment. Is that likely to change in the future, or is that fairly stock standard for what you work? Yep. Yeah. Yep. Yep. Yeah. Yep. Beautiful. Excellent. And you're on you're, sorry, under that $45 per hour. Is that right? Yeah. Beautiful. I've got down here that you're averaging on a yearly basis around about 50 to 60,000. Does that sound about right? Yeah. Yeah. You're right. Not a worry. Yes. Yes. It's hard. Yep. Yep. Absolutely. And they index that. They sort of assume you're gonna earn more next year than you did this year, which is not always the case. Yeah. Yeah. Yep. Yep. Yep. Yeah. Yeah. Okay. Perfect. Beautiful. Not a problem at all. I can sort of work it out and average it for you. I can see here Maddie's left a note that your employer hasn't been paying your contributions as of yet, but they are due to start. Is that right? Okay. Have they kinda given you any idea as to when those contributions should start going into your super on a regular basis? No. That's okay. The but they are like, they are guaranteeing they are gonna start that fairly soon for you. Yeah. Yes. Yeah. Absolutely. Yes. Yes. Yep. Okay. Yep. Perfect. The main source of the reasons that are going into that is with the with the advice we do provide, we are sort of looking to make sure the contributions do go in from your employer because that kinda helps to factor into growth and making your super work a bit harder. So we do assume contributions going in as part of the advice to sort of show you long term effect and compounding of that with projection tables. Are you comfortable with me just working out the average and kind of even if it's a lower form of contribution, just adding that in there to sort of show you how that should look with your employer contributions going in. Yep. Beautiful. Yeah. Because, I mean, you're the one that's getting disadvantaged by them not doing that because that money going in on a regular basis, it helps yourself if they kinda hold off into that as a lump sum later down the track. It only really disadvantages you, unfortunately. So, yeah, they should have to be putting those in on a regular basis. It is. Yep. It's gonna be payday. So as as per your pay, if you get paid weekly, then your contributions very shortly are gonna have to start going in via pay as well. So you should be receiving those every week, that June, July. It is yep. Absolutely. So if you get paid weekly, your contributions will have to go in weekly, which will give you full proper dollar cost averaging, which is more of a benefit for yourself because putting money in on a regular basis help with the compounding effect, but we like to look at dollar cost averaging, which is putting regular amounts of money in at smaller intervals. So once a week means you're really taking advantage of the market ups and downs and putting smaller amounts in on on a more regular basis, which can provide a greater benefit long term for you. So it's not a bad thing at all. It's gonna annoy employers, but it's a really great thing for yourself to have true dollar cost averaging with your super. Yeah. Oh, absolutely. Yeah. Yeah. Yeah. Yeah. No. Abs absolutely. Absolutely. Well, I'll factor that into the advice, and, hopefully, he does start paying those very soon. And, Midlief, you decide to take on the advice and move forward to implement it, we'll be making sure that those do come in, and we can do what we can to help you. But, yeah, we'll just wanna make sure we see those coming in because it's it's, you know, to your advantage, this is part of your wage, part of your income, so you actually wanna make sure you do receive those funds. Yeah. All good. All good. And they should be paying about 12%. You don't get anything additional over and above that 12%? No. Yep. No worries at all. You're not salary sacrificing anything additional to Super at the moment? No. Yeah. Yep. Nope. Yep. That's okay. Yeah. Yeah. Yep. Yeah. No. That's okay. That's not a problem at all. I mean, from a tax perspective, there's not really a lot to gain in doing it. It's more just whether you're open to doing so to kinda help with the compounding effect and get you super growing and working harder long term for your retirement. But the other thing is with having young kids as well, it does mean your take home pay is gonna reduce. So if you're not comfortable doing that right now, we can always hold that off and make it something we reassess in the medium term as, you know, as your life changes. Did you want me to push put that back a little bit into May maybe a medium term goal? Yep. Yep. Yep. Yeah. Yeah. Yep. Yes. Yeah. No. That's okay. That's not a problem at all. We'll make that a medium term goal. We can always reassess that in the future, and for now, we'll just focus on that 12% for your employer contributions. Easy done. When we are looking at your sleep, we also wanna look at how to invest money. So there are different risk profiles through different people and different ages and stages. What we wanna do is we, unlike the industry fund, you probably just been popped into the most, you know, what their average risk profile is and their average investment class, but we have to look at it a bit deeper. So we look at your age and stage, where you are, how long you have until you wanna a super and that's why we look at your goals. We look at your age that you're wanting to hopefully retire and work from now till that age. When you have a longer time, say, twenty or thirty years, you can take on a bit more risk in the market to try and get greater potential returns knowing that greater risk does save the a larger likelihood of a negative return. So we do see ups and downs in the short term that can make us a bit nervous in the markets. When we're older and closer to retiring, we don't wanna take that kind of risk in the market. So we do what's called a risk profile questionnaire. It's rounded at 14 old questions. I they're all multiple choice, and I go through them as quickly as possible for you. But they help us to determine where you fit within that risk profile, what level of risk you should be taking to help you achieve your goals, but also what level of risk you're comfortable taking. Because even though, you know, you might have two people of the exact same age, they might not be comfortable in the same risk profile taking the same level of risk. One person might be seen as a bit more of a risky client. The other one might be more conservative and wanted to take a less level of risk. So this risk profile helps us to break down how you feel about things, what your circumstances look like, how long you have until you're wanting to access your super, and then we'll kind of talk a bit more about what level that looks like and how you might see those investments. I'll go through these. As I said, they're all multiple choice. I'll go through them one by one. I've answered some of them already with how we've been kinda going. And if you're not sure, just let me know and we can talk through. Okay? The first one here is how would you like to rate yourself as a risk taker? So if you say thought about risk on a scale of, say, one to five, do you consider yourself to be one, a very high risk taker? You're happy to put it all on black and see what comes out? Would you consider yourself maybe a three in the medium? You wanna take a bit of risk in the market to get good returns, but you're, you know, a bit concerned about the ups and downs in the short term, or are you not a very risk you don't you don't like risk at all and understand returns are gonna be lower because of that? How do you think you might rate yourself? Yep. Yep. Yep. Yep. Yep. Yep. Yep. Perfect. Love that. The next one here is how familiar are you with investment markets. So have you guys ever owned shares or any investments in your own name before? Nope. That's okay. All good. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. No. Yep. Yep. Yep. Yep. And be cautious. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. And that's a really good way to look at it. Yeah. No. That's a really good way to look at it. I mean, with your super and I'll show you when we did the advice, I'll show you the investments that we tend to look at, and we don't put you in using crazy or speculative like crypto. We have to look after your super. It is there to grow. So we choose investments that have had a strong track record that have been through the ups and downs the market's created over the last ten to twenty years to make sure that you're in investments that can withstand volatility that come out, recover, and provide long term growth and structure for you. And we review those on a regular basis with you as well. But when you are looking at investing in those other areas in your own name, well, gold's a great investment. It has has seen a lot of growth over the last couple of years. It does continue. We all love it, but it is important when you consider the the asset of risk. And when, you know, you are investing when I invest personally, I do think about the ultimate risk level is if I invest this money, what's the ultimate thing that could happen? I could lose it all is the big biggest risk. So when you're starting off, never investing anything more than you're comfortable losing in the event that that was to happen is definitely the best way to start that sort of thing off. So you're you're looking at it the right way for sure. Yep. Yep. I have yeah. Yep. Mhmm. Yes. Yep. That's a really good interest. Right? Isn't it? Yeah. Yeah. Nice. Perfect. Yep. Yep. Yes. Yep. Yep. Yep. Yep. Yeah. Yes. That's absolutely fantastic. Excellent. Beautiful. Yep. Yep. Yep. Yep. What you need to live on. Yeah. Yep. Yep. No. That's perfect. You've done a really great job there. That's excellent. I don't know many casual workers that have done that to that extent that you have, and it definitely gives you a bit of cover because you still wanna have holidays and still enjoy your life, but making sure that those regular bills can be covered whilst you're on that time off. So that's really good. I love that. It's fantastic. Yep. Yep. Yep. Yeah. Yep. Yes. Yes. Perfect. Yeah. Yeah. Yep. Perfect. Yep. No. That's excellent. That's fantastic. You've done a really great job there. I love that. I've answered the next two. That's okay. I've answered the next two questions for you. So, realistically, when we're looking at time horizon, because of your age, you still have a lot of time before you're able to access super. So we're looking at a longer time horizon of more than ten years there. I've also the next couple of questions also kinda go back to that risk versus reward balance. So how much risk do you feel like you're willing to take in the market to try and get the best returns you can? You sorta come across as someone who's quite conservative. I'd say sort of middle of the range there. So you are wanting to take on a bit of risk in the market to get the greater returns, but you don't wanna take on a whole lot of risk. You kind of wanna make sure you have some of those defensive low risk investments and diversify and make sure it's more calculated. Am I on the right track with that? Yep. Perfect. The next one here is thinking about your current super balance. So if we saw, like, a large market dip, which can and will happen in the future, we've had some ups and downs this year. They've only been very minor in comparison to what we have seen in the past. But every, you know, couple of years within a ten year time horizon, we do generally see a large market up and down where the market can drop anywhere from, say, 10 to 20 to 30% depending on what the market goes through. It's about making sure that you're invested through those times, and you can stay invested, not cementing or taking any of the money out when you go to those down times there. If you thought about your current super balance, which is a bit over 79,000 currently, and you saw that drop up to 50%, more than 50%, or say up to twenty, thirty, or 10%, how much of a drop do you think that Super Balance could withstand before you're starting to feel quite nervous? How far of a drop would you be comfortable taking, do you think? Okay. Yep. Yep. Yeah. Yep. Yes. Yep. Yeah. Yep. Yeah. Absolutely. No. Perfect. Excellent answer. The next one here is about volatility. So, again, if you saw this super drop by 20%, how do you think you might react? Do you think you might wanna put some more money into it, see it as a buying opportunity? Are you more likely to hold and wait, maybe call us and have us talk you through it, or are you more likely to cement the loss, sell the investment, and move your funds to something a bit more secure? How do you think you might react? Yep. Beautiful. Excellent. The next one here is looking at the kind of rate of return where after long term wise, you're probably looking for the highest return you can probably get out of your super and out of the investments on a yearly basis. Sound about right? Yep. No. Perfect. The next one here is, again, looking at have you ever seen your super fall in value? So if you did see a bit of a market drop with the what's happening in the world globally and it dropped a little bit. Do you think you might be feeling optimistic, cautious, concerned, or a bit anxious? How do you think you might feel in that instance? Yep. Yep. Yep. Yep. No. Perfect. It does. Absolutely. The next one here is talking about the types of returns that we get. So when we have investments, we like two different types of returns. One of those is capital growth. So say if you had, you know, CVA shares and you bought that at $20 per share, the next day went up to $50 per share. The difference in the share price is a growth. We also look at income producing, which is dividends. So we invest in managed funds and ETFs that provide dividends on a regular basis. Those dividends are income, and they get paid into your cash account in your super and reinvested back into the investments for compounding effect. Generally, when we're younger, we could take a bit more risk to get more in the way of capital growth. When we're older, we like a bit more income producing because it tends to help pay the income in those retirement years. With where you're at at the moment, do you think you'd want more capital growth, more income, or a balance of both? Yeah. Yep. Yep. Yep. Yeah. Absolutely. Most definitely. Perfect. Mhmm. Yep. That's okay. Do you think you'd sort of do you think you're sort of wanting a bit of both? You're wanting that capital growth, but you're also wanting to, you know, offset some of the risk by having a bit of income there as well? Yep. Beautiful. No. That's okay. The second last question here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you have a goal down the track of borrowing money to maybe buy investment properties and things? Yep. That's okay. And do you have any kind of goals on the track where you might wanna buy investment properties? We did sort of talk about you you wanting to maybe invest outside of super as well. Is property one of those things that you guys might wanna invest in down the track? Or Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. Yep. So make sure you understand the risks. Yep. Absolutely. Perfect. Oh, good. Well, you've answered all these questions. Thank you so much. A lot of them kinda relate back to each other, so kinda having that conversation going to those questions. We've answered them all nice and easily. Now where you've scored with this risk profile, you've scored as a growth investor. What that essentially means is that you're not the highest risk. You're kind of in that mid range a little bit. So our investor profile start off aggressive high growth, growth, balance growth, and balanced, and then kind conservative and defensive at the very bottom there. So you're fairly mid range. What you would normally see when you think about your super is you would see 80% of your super invest in growth assets. So things like Australian shares, international shares, listed property, and also commodities, so gold and silver there as well. And then the other 20% would be a lower risk defensive investment. These are more cash producing. You think of things like fixed interest, bonds, term deposits, things like that. So they're lower They get a lower rate of return they're supposed to, but they're not they don't fluctuate. They don't, you know, go up and down as violently or as regularly as those growth investments do. So having a mix of those gives you diversification, having some high risk investments as well as some lower risk investments in there. With the growth portfolio, we're sort of chasing an average return of around seven to 9% on a yearly basis. That's compounding forward. Anything over that 9% is your portfolio has over performed and done exceptionally well. Anything under that 7% and your your portfolio's underperformed through the year there. With the growth portfolio, because we talked about the likelihood of a negative return, these things do happen with market volatility. We would expect a negative return sort of one in every five years, And this sort of investor profile suits someone who has at least six years before they're wanting to retire. So you've got more than double that at the moment. You're not going you know, you're not retiring anytime soon. So you do have that sort of minimum time horizon to be up in that growth environment. And with your agent stage and where you're at at the moment, we normally see someone in either a growth or high growth environment with that with where they are. When you're about six years away from wanting to access super or retire, then we would sort of see that drop significantly there. Does that growth environment sort of sit with where you'd like to see your super, or did you wanna maybe look at increasing or decreasing the risk level a little bit there? How do you feel about that? Sounds good? Yep. Absolutely. No. Perfect. Well, I'll have a look at that for you. When I provide the advice to you, essentially, I'll provide it as a statement of advice. We'll go through it page by page. I'll rate run you through what the recommendations are, the advantages, disadvantages, the risks involved, and then you get to take it away and have a really good rate of it yourself. Okay? Perfect. Now excellent. Now I'll have a look at that for you. Now there are some other different ways to invest. They have different management styles. The first one is active management. Having a little bit management in there means that you're investing in act in investment managers who are trying to outperform the market. Having more of an active approach to your portfolio does it can cost a little bit more. There's no guarantees that active managers are going to outperform against the market, but they do their best to try. Some years they succeed, some years they don't. There is also another way of investing. It's called passively, and these are passively managed investments or ETFs or managed funds that are essentially just tracking the market there. This is more of a lower cost way of investing. It can also outperform against active managers depending on what the market does over the course of the year. Do you think you wanna sort of focus on a lower cost way of investing go passive, or did you wanna sort of see if you can get something that's, you know, gonna hopefully outperform against the market and look at that active management style? What would you like me to look at for you? Yep. Yes. Perfect. So we'll look at something more of an active management style for you for your investments. Mhmm. Yes. Mhmm. Yep. Yeah. Absolutely. Yep. Yep. Yep. Okay. Yes. Mhmm. You yeah, you you can. It is a little bit harder. We when we sort of look at investments, we kind of break it down into this growth and defensive investment classes. So we would need to sort of split your portfolio up a little bit differently to go the aggressive because aggressive a 100% growth investments. There's no defensive investments in there at all. What I would probably look at doing is maybe just adding some active investment in there for you. This is thinking about the different ways we could probably do that. I can have a look at how we could maybe look at doing that for you and see if it's possible within the different yeah. Yeah. No. Absolutely. Yeah. No. Yeah. Okay. Yep. Yeah. Yeah. Wow. Yep. Yep. Mhmm. Yep. Yeah. It does. It does. Yeah. Yep. Yeah. Yes. Yep. Yep. Absolutely. To do it that way, we would have to separate it into two two separate accounts. They wouldn't be able to structure in one account that way. So when we're looking at the portfolios, we look at your risk profile and we structure the growth in defensive assets so that your overall and total risk profile doesn't exceed that eighty twenty split or, you know, we have, like, a 10% variance either side of that for you to allow for changes in market conditions and investment pricing. The way you're sort of talking about doing that would be great, but we would need to have it separated significantly because one would be taking on a lot more risk than the other, and that could change your overarching risk profile because you're sort of saying one be really aggressive, the other one be quite safe and lower risk and more defensive of nature. Down the track, we could definitely look at maybe doing it that way for you, but the way we would have to split that would make it a lot more expensive as well because you'd have to split it. You have two lots of administration fees and things like that. So down the track, we could maybe look at splitting and doing it that way for you. For now, I'd probably just, with the balance you have, stick with the growth portfolio, look at the make sure the overarching is within that range and sort of see how we go to start with. Make sure your contributions start coming in. Make sure it starts getting that sustainable growth, and then we look at maybe how we split that. And we also look at down the track, maybe looking at investing outside of super, so we might take a bit more risk on the stuff inside super and a little bit less risk outside of super, but structure it so it's all within that sort of portfolio effect for you. It's not not completely undoable. It can be done. It's just about making sure it's gonna fit with your goals and understand where we're comfortable taking that extra risk and where we're not comfortable doing that, if that makes sense. Yeah. Yeah. Yeah. Yeah. That's doable. Yeah. Yep. Yep. Yes. Yes. Yep. Mhmm. Do that. Yep. Mhmm. Yes. Yeah. Yeah. Yep. Yeah. We can. There are speculations around doing it, though. So with the kind of structures with the way your CV is structured at the moment and with retail funds that we tend to look at with the type of balance you have, you can't until you hit the retirement ages. However, if you're down the track, we're able to had enough of a balance and could look at something like a stock and a super fund, then you can do that. The only downside is you can't withdraw the funds, buy a property, and live in the property. It has to be. There's a lot of regulations around what's called an arm's length transaction. So the idea of a super fund is that you're building wealth for the member for retirement. Can't sort of buy a property you live in at either the holiday home or rent it out for your own personal gain. It's gotta be for the gain of the super fund. But down the track, we can look at that. Alternatively, we can also look at, you know, what you have in your own name as the kids get a bit older and look at investing outside of Super in different areas and looking at how we maybe leverage your current property and the equity you've made there to kind of help you get those tax rewards outside of Super as well. So there are definitely things that we can do. I'd say we'll keep it simple for now. And then as things build, as things grow down the track, then we can look at everything as a whole with yourself and Reece and look at how we structure other investments and build wealth in other ways for you as well. Okay? Perfect. Oh, yeah. Yep. Yep. Yep. Yes. Yep. Yes. Yep. Yes. Yep. Yep. Yeah. Absolutely. No. That's perfect. We can definitely help you in those areas. I'll put that down as some medium term goals there for you as well. That's fantastic. The other thing I need to touch base on is the insurance side of things. So I can see within your current super fund there, you do have a bit of life and TBD. The current sum in towards that 229,160. Paying about $247 on a yearly basis with that. Is your life and TPD important to you? Are you wanting to keep insurances? What are your thoughts around them, and do you understand what they pay out? That's okay. Yeah. Yes. Yep. That's okay. Yep. Yeah. Absolutely. Yep. Yep. Yep. Perfect. Yes. A different story. Yeah. Yeah. Absolutely. Definitely. And what's one of the biggest things or the biggest risk with insurances is that you pay all the premiums that you never actually make a claim and you end up canceling or they just, you know, run out when they expire, essentially. However, there are quite a lot of people who don't have any types of cover and then come to find something has happened. It's, you know, technically, a one or 2% chance that something's gonna happen, you're gonna make a claim. However, most people that do make a claim, you know, have had either not enough insurances, haven't really thought anything about it, or don't have any at all. It can make life very, very difficult for them. With insurances, are you sort of focused around looking at the keeping a level of cover that you want and making sure it's as cheap as possible, or are you wanting kind of the best cover you can get with the best benefits for what you're paying for? Mhmm. Yep. Yep. Okay. Yeah. Yes. Yes. Yep. Yeah. Yep. Yep. Perfect. So look at maybe increasing your last cover to half 1,000,000 to cover the mortgage. Because the mortgage I've got down here is 520,000. Sorry. You're alright. That's okay. Okay. Yep. Perfect. So you're happy to just maybe increase your life cover up. So if in the event that you were to pass away, the life insurance would pay out the mortgage completely, but then maybe have your suit benefit paid out on top of that to give Reece some additional buffer. Would that be a comfortable amount for you? Yep. Yep. Beautiful. We can do that. Now with TPD, it's totally permanently disabled. Essentially, TPD pays out a lump sum or an income stream depending on how you take the funds in the event that you're never able to go back to work again. They look at any occupation for which you're trained, educated, or have worked. It is a very hard definition to pay on. The kicker with TBD is that if you're 60, you do pay tax on the payout. It is up to 22%, and there's a fund math equation that sort of helps us understand what the taxable component is. The older you get, the closer you get to 60. Often, the the taxable amount does decrease, so it is better to be older. And if you were to claim TPD after the age of 60, it is all completely tax free. So it's not an issue at all. One of the big things with TPD is most people you are still living, so your regular living expenses still continue to have to be paid. You still gotta feed yourself, often look after medical expenses, rehabilitation, sometimes, you know, trying to repair or make repairs to the home, plus the mortgage. With your, say, TBD cover, are you just wanting to maybe make sure you have the same amount as your life cover? So in the event of a claim and keeping in mind, if you did have to claim on TBD, we're as advisers do provide advice on how we can minimize the tax consequences for you as much as possible, and we help you with the claim as well. So we obviously don't want you to have to pay a huge amount in tax, and we'll do everything we can to advise the right way to limit that for you. But do you think you would be comfortable with just that the same amount as life, or do you think you might wanna gross that up to take into effect the possible tax consequences to give you a higher benefit. What do you think you might wanna be covered for, TBD wise? Mhmm. Yep. Do you want me to look at both options for you and look at the most the most effective way making sure that your soup is gonna provide growth for you? Yeah? Yep. Perfect. Yep. Yep. Perfect. What what I'll do is I'll look at both of them for you. I'll make a recommendation one way or another, and then the other option I'll put in the appendix so you can see both options, but you can also see the way I've gone with that recommendation for you. Sound okay? Yep. Beautiful. I'll also make it so that life so one of the ways to make the insurances more cost effective for you is to grow so the life can match the TPD so we can link them together because you get a multi policy discount. So if I recommend that we, you know, cover the tax for the TPD and grow it up, I'll also gross up the life benefit to match it so that we're trying to limit the amount of premiums you have to pay. But it also means if you if we go that way and you would have passed away, then resales get a higher benefit to support too. So are you comfortable with that? Yeah. Excellent. Now the other thing I can see here is with income protection. You don't have any income protection at the moment. It looks like you may have had some in the past that's kind of because no contributions are sort of gone in for a while, it looks like that's probably dissipated. I know you are, as a casual worker, putting some money away to cover yourself in the event of taking annual leave and things like that. Did you wanna look at income protection, or are you sorta happy just with the life and CBD? Yep. Yep. Okay. Perfect. Perfect. Excellent. And there are other types of insurance. You're right. Sorry. Yep. Yep. Yeah. Absolutely. Yep. Yep. Yes. Yeah. You're right. Okay. Perfect. Yep. Perfect. Beautiful. With those big savings accounts, how much do you actually have in those? Do you know if it's up to your head at all? Mhmm. Yep. Yep. Okay. Beautiful. Lovely. Thank you for updating up there for me. Fantastic. So I'll just look at the license TBD component, look at the best way to sort of structure that so that it's not costing you a crazy amount in the way of premiums, but you're also getting the benefit of making sure that if the event of a claim, that you are able to cover the things that you wanna cover. With your life insurance there as well, it's also important to factor in the estate planning side of things and what you want to happen. I can't see a note on here about any beneficiaries there, but most of the time when it comes to our life and our super, if we were to pass away, you want everything to go to race so he can continue paying the bills, pay the mortgage, look after your family. Is that right? Yep. Beautiful. And have you guys spoken about drawing up a will power of attorney? I know I kinda spoke to Reece about that the other day, and we sent through the information on the solicitors to him. Did you guys get that email, and have you had that conversation about drawing up a will and power of attorney and things like that? Yep. Yeah. Yeah. Yep. Yes. Yes. Yep. Yep. Got it. Yeah. Yep. Nice. Okay. Yep. Yep. Yeah. Perfect. Not a problem at all. We'll factor the estate planning size in there for you, and I'll recommend that the licensee the so the life policy and your super that they'll be sort of paid to raise in the event of that, you know, the the event of you passing away prematurely. And I'll make sure that's all included in the advice document for you. That's basically everything I need to be able to go and have a look at everything. I'm looking at super now for you and factoring the estate planning sides of things. We are factoring in just your income and the the likelihood that, you know, employer contribution should all start going in soon. We'll make sure we help you to organize and change your name on your super fund to make things a bit easier and more streamlined there for you. And then long term sort of medium term goals that we're looking at investing properties down the track, investing outside of so far is property was one of those that we kinda went through as well. Is there anything else that I might have missed? Is there anything else that you wanted me to sort of focus on? Or No. That's okay. Beautiful. That's okay. Yeah. Yep. Yep. Yep. Yep. No. Well, you've done really well to get to where you are, like, with your mortgage there. I've got the property down. Asset value is at 1.4 mil. Would you change that value, do you think, or anything? Yep. Yep. Yep. Yep. Yep. Yep. Yep. Okay. Yep. Yep. Yeah. Yep. Yeah. Yeah. Perfect. Well, when when you are ready, feel free to let us know because we do have mortgage brokers we can refer you through to. It's all free of charge to yourself, and they can always talk to you about what your mortgage looks like, what's the borrowing capacity, and see what they can certainly do to help. So when you are ready for that, let me know. Okay? Oh, good. Fantastic. Oh, you've done really well. Yep. Wow. Yep. Yep. Yep. Yeah. Yep. Okay. Beautiful. Yeah. Absolutely. No. That was that's fantastic. The only other thing I need to sort of look at for you is just doing a bit of a pre assessment. So because we are looking at insurances, I'm just looking at life and TB, not looking at anything that's gonna be paid out of super just because your expenditure is a little bit tight at the moment, but we can always review other insurances down the track for you. We just need to do a little bit of a health questionnaire with you. Do you have just another five minutes so I can transfer you through to Maddie? She's gonna complete the health questionnaire for me, and then I can go back and do that research for you. Is that okay? Fantastic. I'll put you on a brief hold. I'll send you through to Maddie. She'll do the health questionnaire. Before I do let you go, is there any questions you have for me? I know she kinda went through what we do, how we deal with the fee structure, things like that. But do you have any other questions for me that you might wanna ask me in relation to the process, anything we've gone through, or in general? Not oh, that's okay. Not a problem. I promise. I love this stuff. I'm probably the happiest person who ever talked to about super insurance and estate planning. So I'll go back I'll go back and do all the research there for you. I'll generate a plan. What I'll do is once Maddie's done the pre assessment with the with you, I'll get her to book you in for in two weeks time, and we'll have the advice ready to go, and we can go through that together. Okay? Beautiful. My pleasure. Thank you for your time, Elise. I'll send it through to Maddie, and I'll get stuck I'll get stuck into the research for you. Thanks. No worries. 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Dana Oakley Financial. Hi, Elise. It's Dana from OKIE Financial. How are you this morning?\n\nI'm very well. Thank you. I had you booked in today just to have a bit more of an in-depth conversation around looking at for getting some financial advice and how we can help with your goals. Is now still a good time there for you? Oh, fantastic.\n\nHow's your morning been so far? Yeah. Fantastic. Well, I'll try not to take up too much of your time. Before we jump into the call, just to let you know, we do record our calls for quality and training purpose.\n\nIs he happy to submit a proceed with that? Fantastic. So, Ali, thank you so much for your time. Just to sort of run through, I know you've done quite a bit of the research there with Madison. I'll just go through and update anything that I might be missing here, and we'll have a bit more of a conversation on what your goals are, what you're looking for in the way of financial advice, and anything I'd just might need to be able to put that together for you.\n\nOkay? Fantastic. The first thing that seems that I'm missing here is your date of birth. Can I grab that off you? 06/25/1989.\n\nBeautiful. Thank you so much for that. And when you look forward I know you've got a lot of time ahead of you. You're still very young. But when you look forward towards your retirement goals, do you know what kind of age you're hoping to maybe stop work and the other access you're super in the future?\n\nYeah. Yeah. Absolutely. Perfect. I'll pop that in here for you.\n\nFantastic. And have you ever thought of no. Not everyone has, but have you ever sort of thought of what kind of income you might be looking to draw down or live off in those retirement years? If you haven't, that's honestly okay. Yeah.\n\nI know. Absolutely. Yeah. Yeah. Yeah.\n\nNo. Absolutely. We'll just wait and see what comes from that. Absolutely. All good.\n\nAnd I can see here now double checking your your surname. Is that still Farro the same as Reza's? Okay. Perfect. And I've got your Superfund here under your previous your maiden name.\n\nIt's under Bulger. Is that right? That's absolutely okay. That's not a problem. Yep.\n\nOkay. No. That's alright. We can honestly, as part of the advice, we can help you to to change that name. It's not a problem at all.\n\nIs Farah on your driver's license or your ID? Yep. Yep. Everything. Yep.\n\nYep. Fantastic. No. Not a problem at all. Excellent.\n\nWe can certainly help you to change the name on your super fund as part of the implementation process if you take on the advice, so it's not an issue in any way, shape, or form. Okay? Beautiful. Now I can see here that you're working around about eighteen hours per week at the moment. Is that likely to change in the future, or is that fairly stock standard for what you work?\n\nYep. Yeah. Yep. Yep. Yeah.\n\nYep. Beautiful. Excellent. And you're on you're, sorry, under that $45 per hour. Is that right?\n\nYeah. Beautiful. I've got down here that you're averaging on a yearly basis around about 50 to 60,000. Does that sound about right? Yeah.\n\nYeah. You're right. Not a worry. Yes. Yes.\n\nIt's hard. Yep. Yep. Absolutely. And they index that.\n\nThey sort of assume you're gonna earn more next year than you did this year, which is not always the case. Yeah. Yeah. Yep. Yep.\n\nYep. Yeah. Yeah. Okay. Perfect.\n\nBeautiful. Not a problem at all. I can sort of work it out and average it for you. I can see here Maddie's left a note that your employer hasn't been paying your contributions as of yet, but they are due to start. Is that right?\n\nOkay. Have they kinda given you any idea as to when those contributions should start going into your super on a regular basis? No. That's okay. The but they are like, they are guaranteeing they are gonna start that fairly soon for you.\n\nYeah. Yes. Yeah. Absolutely. Yes.\n\nYes. Yep. Okay. Yep. Perfect.\n\nThe main source of the reasons that are going into that is with the with the advice we do provide, we are sort of looking to make sure the contributions do go in from your employer because that kinda helps to factor into growth and making your super work a bit harder. So we do assume contributions going in as part of the advice to sort of show you long term effect and compounding of that with projection tables. Are you comfortable with me just working out the average and kind of even if it's a lower form of contribution, just adding that in there to sort of show you how that should look with your employer contributions going in. Yep. Beautiful.\n\nYeah. Because, I mean, you're the one that's getting disadvantaged by them not doing that because that money going in on a regular basis, it helps yourself if they kinda hold off into that as a lump sum later down the track. It only really disadvantages you, unfortunately. So, yeah, they should have to be putting those in on a regular basis. It is.\n\nYep. It's gonna be payday. So as as per your pay, if you get paid weekly, then your contributions very shortly are gonna have to start going in via pay as well. So you should be receiving those every week, that June, July. It is yep.\n\nAbsolutely. So if you get paid weekly, your contributions will have to go in weekly, which will give you full proper dollar cost averaging, which is more of a benefit for yourself because putting money in on a regular basis help with the compounding effect, but we like to look at dollar cost averaging, which is putting regular amounts of money in at smaller intervals. So once a week means you're really taking advantage of the market ups and downs and putting smaller amounts in on on a more regular basis, which can provide a greater benefit long term for you. So it's not a bad thing at all. It's gonna annoy employers, but it's a really great thing for yourself to have true dollar cost averaging with your super.\n\nYeah. Oh, absolutely. Yeah. Yeah. Yeah.\n\nYeah. No. Abs absolutely. Absolutely. Well, I'll factor that into the advice, and, hopefully, he does start paying those very soon.\n\nAnd, Midlief, you decide to take on the advice and move forward to implement it, we'll be making sure that those do come in, and we can do what we can to help you. But, yeah, we'll just wanna make sure we see those coming in because it's it's, you know, to your advantage, this is part of your wage, part of your income, so you actually wanna make sure you do receive those funds. Yeah. All good. All good.\n\nAnd they should be paying about 12%. You don't get anything additional over and above that 12%? No. Yep. No worries at all.\n\nYou're not salary sacrificing anything additional to Super at the moment? No. Yeah. Yep. Nope.\n\nYep. That's okay. Yeah. Yeah. Yep.\n\nYeah. No. That's okay. That's not a problem at all. I mean, from a tax perspective, there's not really a lot to gain in doing it.\n\nIt's more just whether you're open to doing so to kinda help with the compounding effect and get you super growing and working harder long term for your retirement. But the other thing is with having young kids as well, it does mean your take home pay is gonna reduce. So if you're not comfortable doing that right now, we can always hold that off and make it something we reassess in the medium term as, you know, as your life changes. Did you want me to push put that back a little bit into May maybe a medium term goal? Yep.\n\nYep. Yep. Yeah. Yeah. Yep.\n\nYes. Yeah. No. That's okay. That's not a problem at all.\n\nWe'll make that a medium term goal. We can always reassess that in the future, and for now, we'll just focus on that 12% for your employer contributions. Easy done. When we are looking at your sleep, we also wanna look at how to invest money. So there are different risk profiles through different people and different ages and stages.\n\nWhat we wanna do is we, unlike the industry fund, you probably just been popped into the most, you know, what their average risk profile is and their average investment class, but we have to look at it a bit deeper. So we look at your age and stage, where you are, how long you have until you wanna a super and that's why we look at your goals. We look at your age that you're wanting to hopefully retire and work from now till that age. When you have a longer time, say, twenty or thirty years, you can take on a bit more risk in the market to try and get greater potential returns knowing that greater risk does save the a larger likelihood of a negative return. So we do see ups and downs in the short term that can make us a bit nervous in the markets.\n\nWhen we're older and closer to retiring, we don't wanna take that kind of risk in the market. So we do what's called a risk profile questionnaire. It's rounded at 14 old questions. I they're all multiple choice, and I go through them as quickly as possible for you. But they help us to determine where you fit within that risk profile, what level of risk you should be taking to help you achieve your goals, but also what level of risk you're comfortable taking.\n\nBecause even though, you know, you might have two people of the exact same age, they might not be comfortable in the same risk profile taking the same level of risk. One person might be seen as a bit more of a risky client. The other one might be more conservative and wanted to take a less level of risk. So this risk profile helps us to break down how you feel about things, what your circumstances look like, how long you have until you're wanting to access your super, and then we'll kind of talk a bit more about what level that looks like and how you might see those investments. I'll go through these.\n\nAs I said, they're all multiple choice. I'll go through them one by one. I've answered some of them already with how we've been kinda going. And if you're not sure, just let me know and we can talk through. Okay?\n\nThe first one here is how would you like to rate yourself as a risk taker? So if you say thought about risk on a scale of, say, one to five, do you consider yourself to be one, a very high risk taker? You're happy to put it all on black and see what comes out? Would you consider yourself maybe a three in the medium? You wanna take a bit of risk in the market to get good returns, but you're, you know, a bit concerned about the ups and downs in the short term, or are you not a very risk you don't you don't like risk at all and understand returns are gonna be lower because of that?\n\nHow do you think you might rate yourself? Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Perfect. Love that.\n\nThe next one here is how familiar are you with investment markets. So have you guys ever owned shares or any investments in your own name before? Nope. That's okay. All good.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. Yep. Yep. No.\n\nYep. Yep. Yep. Yep. And be cautious.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. Yeah. And that's a really good way to look at it. Yeah. No.\n\nThat's a really good way to look at it. I mean, with your super and I'll show you when we did the advice, I'll show you the investments that we tend to look at, and we don't put you in using crazy or speculative like crypto. We have to look after your super. It is there to grow. So we choose investments that have had a strong track record that have been through the ups and downs the market's created over the last ten to twenty years to make sure that you're in investments that can withstand volatility that come out, recover, and provide long term growth and structure for you.\n\nAnd we review those on a regular basis with you as well. But when you are looking at investing in those other areas in your own name, well, gold's a great investment. It has has seen a lot of growth over the last couple of years. It does continue. We all love it, but it is important when you consider the the asset of risk.\n\nAnd when, you know, you are investing when I invest personally, I do think about the ultimate risk level is if I invest this money, what's the ultimate thing that could happen? I could lose it all is the big biggest risk. So when you're starting off, never investing anything more than you're comfortable losing in the event that that was to happen is definitely the best way to start that sort of thing off. So you're you're looking at it the right way for sure. Yep.\n\nYep. I have yeah. Yep. Mhmm. Yes.\n\nYep. That's a really good interest. Right? Isn't it? Yeah.\n\nYeah. Nice. Perfect. Yep. Yep.\n\nYes. Yep. Yep. Yep. Yep.\n\nYeah. Yes. That's absolutely fantastic. Excellent. Beautiful.\n\nYep. Yep. Yep. Yep. What you need to live on.\n\nYeah. Yep. Yep. No. That's perfect.\n\nYou've done a really great job there. That's excellent. I don't know many casual workers that have done that to that extent that you have, and it definitely gives you a bit of cover because you still wanna have holidays and still enjoy your life, but making sure that those regular bills can be covered whilst you're on that time off. So that's really good. I love that.\n\nIt's fantastic. Yep. Yep. Yep. Yeah.\n\nYep. Yes. Yes. Perfect. Yeah.\n\nYeah. Yep. Perfect. Yep. No.\n\nThat's excellent. That's fantastic. You've done a really great job there. I love that. I've answered the next two.\n\nThat's okay. I've answered the next two questions for you. So, realistically, when we're looking at time horizon, because of your age, you still have a lot of time before you're able to access super. So we're looking at a longer time horizon of more than ten years there. I've also the next couple of questions also kinda go back to that risk versus reward balance.\n\nSo how much risk do you feel like you're willing to take in the market to try and get the best returns you can? You sorta come across as someone who's quite conservative. I'd say sort of middle of the range there. So you are wanting to take on a bit of risk in the market to get the greater returns, but you don't wanna take on a whole lot of risk. You kind of wanna make sure you have some of those defensive low risk investments and diversify and make sure it's more calculated.\n\nAm I on the right track with that? Yep. Perfect. The next one here is thinking about your current super balance. So if we saw, like, a large market dip, which can and will happen in the future, we've had some ups and downs this year.\n\nThey've only been very minor in comparison to what we have seen in the past. But every, you know, couple of years within a ten year time horizon, we do generally see a large market up and down where the market can drop anywhere from, say, 10 to 20 to 30% depending on what the market goes through. It's about making sure that you're invested through those times, and you can stay invested, not cementing or taking any of the money out when you go to those down times there. If you thought about your current super balance, which is a bit over 79,000 currently, and you saw that drop up to 50%, more than 50%, or say up to twenty, thirty, or 10%, how much of a drop do you think that Super Balance could withstand before you're starting to feel quite nervous? How far of a drop would you be comfortable taking, do you think?\n\nOkay. Yep. Yep. Yeah. Yep.\n\nYes. Yep. Yeah. Yep. Yeah.\n\nAbsolutely. No. Perfect. Excellent answer. The next one here is about volatility.\n\nSo, again, if you saw this super drop by 20%, how do you think you might react? Do you think you might wanna put some more money into it, see it as a buying opportunity? Are you more likely to hold and wait, maybe call us and have us talk you through it, or are you more likely to cement the loss, sell the investment, and move your funds to something a bit more secure? How do you think you might react? Yep.\n\nBeautiful. Excellent. The next one here is looking at the kind of rate of return where after long term wise, you're probably looking for the highest return you can probably get out of your super and out of the investments on a yearly basis. Sound about right? Yep.\n\nNo. Perfect. The next one here is, again, looking at have you ever seen your super fall in value? So if you did see a bit of a market drop with the what's happening in the world globally and it dropped a little bit. Do you think you might be feeling optimistic, cautious, concerned, or a bit anxious?\n\nHow do you think you might feel in that instance? Yep. Yep. Yep. Yep.\n\nNo. Perfect. It does. Absolutely. The next one here is talking about the types of returns that we get.\n\nSo when we have investments, we like two different types of returns. One of those is capital growth. So say if you had, you know, CVA shares and you bought that at $20 per share, the next day went up to $50 per share. The difference in the share price is a growth. We also look at income producing, which is dividends.\n\nSo we invest in managed funds and ETFs that provide dividends on a regular basis. Those dividends are income, and they get paid into your cash account in your super and reinvested back into the investments for compounding effect. Generally, when we're younger, we could take a bit more risk to get more in the way of capital growth. When we're older, we like a bit more income producing because it tends to help pay the income in those retirement years. With where you're at at the moment, do you think you'd want more capital growth, more income, or a balance of both?\n\nYeah. Yep. Yep. Yep. Yeah.\n\nAbsolutely. Most definitely. Perfect. Mhmm. Yep.\n\nThat's okay. Do you think you'd sort of do you think you're sort of wanting a bit of both? You're wanting that capital growth, but you're also wanting to, you know, offset some of the risk by having a bit of income there as well? Yep. Beautiful.\n\nNo. That's okay. The second last question here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you have a goal down the track of borrowing money to maybe buy investment properties and things? Yep. That's okay.\n\nAnd do you have any kind of goals on the track where you might wanna buy investment properties? We did sort of talk about you you wanting to maybe invest outside of super as well. Is property one of those things that you guys might wanna invest in down the track? Or Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Yep. So make sure you understand the risks. Yep. Absolutely.\n\nPerfect. Oh, good. Well, you've answered all these questions. Thank you so much. A lot of them kinda relate back to each other, so kinda having that conversation going to those questions.\n\nWe've answered them all nice and easily. Now where you've scored with this risk profile, you've scored as a growth investor. What that essentially means is that you're not the highest risk. You're kind of in that mid range a little bit. So our investor profile start off aggressive high growth, growth, balance growth, and balanced, and then kind conservative and defensive at the very bottom there.\n\nSo you're fairly mid range. What you would normally see when you think about your super is you would see 80% of your super invest in growth assets. So things like Australian shares, international shares, listed property, and also commodities, so gold and silver there as well. And then the other 20% would be a lower risk defensive investment. These are more cash producing.\n\nYou think of things like fixed interest, bonds, term deposits, things like that. So they're lower They get a lower rate of return they're supposed to, but they're not they don't fluctuate. They don't, you know, go up and down as violently or as regularly as those growth investments do. So having a mix of those gives you diversification, having some high risk investments as well as some lower risk investments in there. With the growth portfolio, we're sort of chasing an average return of around seven to 9% on a yearly basis.\n\nThat's compounding forward. Anything over that 9% is your portfolio has over performed and done exceptionally well. Anything under that 7% and your your portfolio's underperformed through the year there. With the growth portfolio, because we talked about the likelihood of a negative return, these things do happen with market volatility. We would expect a negative return sort of one in every five years, And this sort of investor profile suits someone who has at least six years before they're wanting to retire.\n\nSo you've got more than double that at the moment. You're not going you know, you're not retiring anytime soon. So you do have that sort of minimum time horizon to be up in that growth environment. And with your agent stage and where you're at at the moment, we normally see someone in either a growth or high growth environment with that with where they are. When you're about six years away from wanting to access super or retire, then we would sort of see that drop significantly there.\n\nDoes that growth environment sort of sit with where you'd like to see your super, or did you wanna maybe look at increasing or decreasing the risk level a little bit there? How do you feel about that? Sounds good? Yep. Absolutely.\n\nNo. Perfect. Well, I'll have a look at that for you. When I provide the advice to you, essentially, I'll provide it as a statement of advice. We'll go through it page by page.\n\nI'll rate run you through what the recommendations are, the advantages, disadvantages, the risks involved, and then you get to take it away and have a really good rate of it yourself. Okay? Perfect. Now excellent. Now I'll have a look at that for you.\n\nNow there are some other different ways to invest. They have different management styles. The first one is active management. Having a little bit management in there means that you're investing in act in investment managers who are trying to outperform the market. Having more of an active approach to your portfolio does it can cost a little bit more.\n\nThere's no guarantees that active managers are going to outperform against the market, but they do their best to try. Some years they succeed, some years they don't. There is also another way of investing. It's called passively, and these are passively managed investments or ETFs or managed funds that are essentially just tracking the market there. This is more of a lower cost way of investing.\n\nIt can also outperform against active managers depending on what the market does over the course of the year. Do you think you wanna sort of focus on a lower cost way of investing go passive, or did you wanna sort of see if you can get something that's, you know, gonna hopefully outperform against the market and look at that active management style? What would you like me to look at for you? Yep. Yes.\n\nPerfect. So we'll look at something more of an active management style for you for your investments. Mhmm. Yes. Mhmm.\n\nYep. Yeah. Absolutely. Yep. Yep.\n\nYep. Okay. Yes. Mhmm. You yeah, you you can.\n\nIt is a little bit harder. We when we sort of look at investments, we kind of break it down into this growth and defensive investment classes. So we would need to sort of split your portfolio up a little bit differently to go the aggressive because aggressive a 100% growth investments. There's no defensive investments in there at all. What I would probably look at doing is maybe just adding some active investment in there for you.\n\nThis is thinking about the different ways we could probably do that. I can have a look at how we could maybe look at doing that for you and see if it's possible within the different yeah. Yeah. No. Absolutely.\n\nYeah. No. Yeah. Okay. Yep.\n\nYeah. Yeah. Wow. Yep. Yep.\n\nMhmm. Yep. Yeah. It does. It does.\n\nYeah. Yep. Yeah. Yes. Yep.\n\nYep. Absolutely. To do it that way, we would have to separate it into two two separate accounts. They wouldn't be able to structure in one account that way. So when we're looking at the portfolios, we look at your risk profile and we structure the growth in defensive assets so that your overall and total risk profile doesn't exceed that eighty twenty split or, you know, we have, like, a 10% variance either side of that for you to allow for changes in market conditions and investment pricing.\n\nThe way you're sort of talking about doing that would be great, but we would need to have it separated significantly because one would be taking on a lot more risk than the other, and that could change your overarching risk profile because you're sort of saying one be really aggressive, the other one be quite safe and lower risk and more defensive of nature. Down the track, we could definitely look at maybe doing it that way for you, but the way we would have to split that would make it a lot more expensive as well because you'd have to split it. You have two lots of administration fees and things like that. So down the track, we could maybe look at splitting and doing it that way for you. For now, I'd probably just, with the balance you have, stick with the growth portfolio, look at the make sure the overarching is within that range and sort of see how we go to start with.\n\nMake sure your contributions start coming in. Make sure it starts getting that sustainable growth, and then we look at maybe how we split that. And we also look at down the track, maybe looking at investing outside of super, so we might take a bit more risk on the stuff inside super and a little bit less risk outside of super, but structure it so it's all within that sort of portfolio effect for you. It's not not completely undoable. It can be done.\n\nIt's just about making sure it's gonna fit with your goals and understand where we're comfortable taking that extra risk and where we're not comfortable doing that, if that makes sense. Yeah. Yeah. Yeah. Yeah.\n\nThat's doable. Yeah. Yep. Yep. Yes.\n\nYes. Yep. Mhmm. Do that. Yep.\n\nMhmm. Yes. Yeah. Yeah. Yep.\n\nYeah. We can. There are speculations around doing it, though. So with the kind of structures with the way your CV is structured at the moment and with retail funds that we tend to look at with the type of balance you have, you can't until you hit the retirement ages. However, if you're down the track, we're able to had enough of a balance and could look at something like a stock and a super fund, then you can do that.\n\nThe only downside is you can't withdraw the funds, buy a property, and live in the property. It has to be. There's a lot of regulations around what's called an arm's length transaction. So the idea of a super fund is that you're building wealth for the member for retirement. Can't sort of buy a property you live in at either the holiday home or rent it out for your own personal gain.\n\nIt's gotta be for the gain of the super fund. But down the track, we can look at that. Alternatively, we can also look at, you know, what you have in your own name as the kids get a bit older and look at investing outside of Super in different areas and looking at how we maybe leverage your current property and the equity you've made there to kind of help you get those tax rewards outside of Super as well. So there are definitely things that we can do. I'd say we'll keep it simple for now.\n\nAnd then as things build, as things grow down the track, then we can look at everything as a whole with yourself and Reece and look at how we structure other investments and build wealth in other ways for you as well. Okay? Perfect. Oh, yeah. Yep.\n\nYep. Yep. Yes. Yep. Yes.\n\nYep. Yes. Yep. Yep. Yeah.\n\nAbsolutely. No. That's perfect. We can definitely help you in those areas. I'll put that down as some medium term goals there for you as well.\n\nThat's fantastic. The other thing I need to touch base on is the insurance side of things. So I can see within your current super fund there, you do have a bit of life and TBD. The current sum in towards that 229,160. Paying about $247 on a yearly basis with that.\n\nIs your life and TPD important to you? Are you wanting to keep insurances? What are your thoughts around them, and do you understand what they pay out? That's okay. Yeah.\n\nYes. Yep. That's okay. Yep. Yeah.\n\nAbsolutely. Yep. Yep. Yep. Perfect.\n\nYes. A different story. Yeah. Yeah. Absolutely.\n\nDefinitely. And what's one of the biggest things or the biggest risk with insurances is that you pay all the premiums that you never actually make a claim and you end up canceling or they just, you know, run out when they expire, essentially. However, there are quite a lot of people who don't have any types of cover and then come to find something has happened. It's, you know, technically, a one or 2% chance that something's gonna happen, you're gonna make a claim. However, most people that do make a claim, you know, have had either not enough insurances, haven't really thought anything about it, or don't have any at all.\n\nIt can make life very, very difficult for them. With insurances, are you sort of focused around looking at the keeping a level of cover that you want and making sure it's as cheap as possible, or are you wanting kind of the best cover you can get with the best benefits for what you're paying for? Mhmm. Yep. Yep.\n\nOkay. Yeah. Yes. Yes. Yep.\n\nYeah. Yep. Yep. Perfect. So look at maybe increasing your last cover to half 1,000,000 to cover the mortgage.\n\nBecause the mortgage I've got down here is 520,000. Sorry. You're alright. That's okay. Okay.\n\nYep. Perfect. So you're happy to just maybe increase your life cover up. So if in the event that you were to pass away, the life insurance would pay out the mortgage completely, but then maybe have your suit benefit paid out on top of that to give Reece some additional buffer. Would that be a comfortable amount for you?\n\nYep. Yep. Beautiful. We can do that. Now with TPD, it's totally permanently disabled.\n\nEssentially, TPD pays out a lump sum or an income stream depending on how you take the funds in the event that you're never able to go back to work again. They look at any occupation for which you're trained, educated, or have worked. It is a very hard definition to pay on. The kicker with TBD is that if you're 60, you do pay tax on the payout. It is up to 22%, and there's a fund math equation that sort of helps us understand what the taxable component is.\n\nThe older you get, the closer you get to 60. Often, the the taxable amount does decrease, so it is better to be older. And if you were to claim TPD after the age of 60, it is all completely tax free. So it's not an issue at all. One of the big things with TPD is most people you are still living, so your regular living expenses still continue to have to be paid.\n\nYou still gotta feed yourself, often look after medical expenses, rehabilitation, sometimes, you know, trying to repair or make repairs to the home, plus the mortgage. With your, say, TBD cover, are you just wanting to maybe make sure you have the same amount as your life cover? So in the event of a claim and keeping in mind, if you did have to claim on TBD, we're as advisers do provide advice on how we can minimize the tax consequences for you as much as possible, and we help you with the claim as well. So we obviously don't want you to have to pay a huge amount in tax, and we'll do everything we can to advise the right way to limit that for you. But do you think you would be comfortable with just that the same amount as life, or do you think you might wanna gross that up to take into effect the possible tax consequences to give you a higher benefit.\n\nWhat do you think you might wanna be covered for, TBD wise? Mhmm. Yep. Do you want me to look at both options for you and look at the most the most effective way making sure that your soup is gonna provide growth for you? Yeah?\n\nYep. Perfect. Yep. Yep. Perfect.\n\nWhat what I'll do is I'll look at both of them for you. I'll make a recommendation one way or another, and then the other option I'll put in the appendix so you can see both options, but you can also see the way I've gone with that recommendation for you. Sound okay? Yep. Beautiful.\n\nI'll also make it so that life so one of the ways to make the insurances more cost effective for you is to grow so the life can match the TPD so we can link them together because you get a multi policy discount. So if I recommend that we, you know, cover the tax for the TPD and grow it up, I'll also gross up the life benefit to match it so that we're trying to limit the amount of premiums you have to pay. But it also means if you if we go that way and you would have passed away, then resales get a higher benefit to support too. So are you comfortable with that? Yeah.\n\nExcellent. Now the other thing I can see here is with income protection. You don't have any income protection at the moment. It looks like you may have had some in the past that's kind of because no contributions are sort of gone in for a while, it looks like that's probably dissipated. I know you are, as a casual worker, putting some money away to cover yourself in the event of taking annual leave and things like that.\n\nDid you wanna look at income protection, or are you sorta happy just with the life and CBD? Yep. Yep. Okay. Perfect.\n\nPerfect. Excellent. And there are other types of insurance. You're right. Sorry.\n\nYep. Yep. Yeah. Absolutely. Yep.\n\nYep. Yes. Yeah. You're right. Okay.\n\nPerfect. Yep. Perfect. Beautiful. With those big savings accounts, how much do you actually have in those?\n\nDo you know if it's up to your head at all? Mhmm. Yep. Yep. Okay.\n\nBeautiful. Lovely. Thank you for updating up there for me. Fantastic. So I'll just look at the license TBD component, look at the best way to sort of structure that so that it's not costing you a crazy amount in the way of premiums, but you're also getting the benefit of making sure that if the event of a claim, that you are able to cover the things that you wanna cover.\n\nWith your life insurance there as well, it's also important to factor in the estate planning side of things and what you want to happen. I can't see a note on here about any beneficiaries there, but most of the time when it comes to our life and our super, if we were to pass away, you want everything to go to race so he can continue paying the bills, pay the mortgage, look after your family. Is that right? Yep. Beautiful.\n\nAnd have you guys spoken about drawing up a will power of attorney? I know I kinda spoke to Reece about that the other day, and we sent through the information on the solicitors to him. Did you guys get that email, and have you had that conversation about drawing up a will and power of attorney and things like that? Yep. Yeah.\n\nYeah. Yep. Yes. Yes. Yep.\n\nYep. Got it. Yeah. Yep. Nice.\n\nOkay. Yep. Yep. Yeah. Perfect.\n\nNot a problem at all. We'll factor the estate planning size in there for you, and I'll recommend that the licensee the so the life policy and your super that they'll be sort of paid to raise in the event of that, you know, the the event of you passing away prematurely. And I'll make sure that's all included in the advice document for you. That's basically everything I need to be able to go and have a look at everything. I'm looking at super now for you and factoring the estate planning sides of things.\n\nWe are factoring in just your income and the the likelihood that, you know, employer contribution should all start going in soon. We'll make sure we help you to organize and change your name on your super fund to make things a bit easier and more streamlined there for you. And then long term sort of medium term goals that we're looking at investing properties down the track, investing outside of so far is property was one of those that we kinda went through as well. Is there anything else that I might have missed? Is there anything else that you wanted me to sort of focus on?\n\nOr No. That's okay. Beautiful. That's okay. Yeah.\n\nYep. Yep. Yep. Yep. No.\n\nWell, you've done really well to get to where you are, like, with your mortgage there. I've got the property down. Asset value is at 1.4 mil. Would you change that value, do you think, or anything? Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. Okay. Yep. Yep. Yeah.\n\nYep. Yeah. Yeah. Perfect. Well, when when you are ready, feel free to let us know because we do have mortgage brokers we can refer you through to.\n\nIt's all free of charge to yourself, and they can always talk to you about what your mortgage looks like, what's the borrowing capacity, and see what they can certainly do to help. So when you are ready for that, let me know. Okay? Oh, good. Fantastic.\n\nOh, you've done really well. Yep. Wow. Yep. Yep.\n\nYep. Yeah. Yep. Okay. Beautiful.\n\nYeah. Absolutely. No. That was that's fantastic. The only other thing I need to sort of look at for you is just doing a bit of a pre assessment.\n\nSo because we are looking at insurances, I'm just looking at life and TB, not looking at anything that's gonna be paid out of super just because your expenditure is a little bit tight at the moment, but we can always review other insurances down the track for you. We just need to do a little bit of a health questionnaire with you. Do you have just another five minutes so I can transfer you through to Maddie? She's gonna complete the health questionnaire for me, and then I can go back and do that research for you. Is that okay?\n\nFantastic. I'll put you on a brief hold. I'll send you through to Maddie. She'll do the health questionnaire. Before I do let you go, is there any questions you have for me?\n\nI know she kinda went through what we do, how we deal with the fee structure, things like that. But do you have any other questions for me that you might wanna ask me in relation to the process, anything we've gone through, or in general? Not oh, that's okay. Not a problem. I promise.\n\nI love this stuff. I'm probably the happiest person who ever talked to about super insurance and estate planning. So I'll go back I'll go back and do all the research there for you. I'll generate a plan. What I'll do is once Maddie's done the pre assessment with the with you, I'll get her to book you in for in two weeks time, and we'll have the advice ready to go, and we can go through that together.\n\nOkay? Beautiful. My pleasure. Thank you for your time, Elise. I'll send it through to Maddie, and I'll get stuck I'll get stuck into the research for you.\n\nThanks. No worries. Won't be a moment.","paragraphs":[{"sentences":[{"text":"Three.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.005664037540555},{"text":"Dana Oakley Financial.","start":7.9199996,"end":9.46,"sentiment":"neutral","sentiment_score":0.030213139330347378},{"text":"Hi, Elise.","start":24.59,"end":25.310001,"sentiment":"neutral","sentiment_score":0.16881969571113586},{"text":"It's Dana from OKIE Financial.","start":25.310001,"end":26.77,"sentiment":"neutral","sentiment_score":0.1592981606721878},{"text":"How are you this morning?","start":26.83,"end":27.890001,"sentiment":"neutral","sentiment_score":0.20538554787635804}],"sentiment":"neutral","sentiment_score":0.14108508685603738,"num_words":16,"start":0.48,"end":27.890001},{"sentences":[{"text":"I'm very well.","start":29.710001,"end":30.59,"sentiment":"positive","sentiment_score":0.5620882908503214},{"text":"Thank you.","start":30.59,"end":31.07,"sentiment":"positive","sentiment_score":0.6608544886112213},{"text":"I had you booked in today just to have a bit more of an in-depth conversation around looking at for getting some financial advice and how we can help with your goals.","start":31.07,"end":37.63,"sentiment":"neutral","sentiment_score":0.31386715872213244},{"text":"Is now still a good time there for you?","start":37.63,"end":41.275,"sentiment":"neutral","sentiment_score":0.182083484199312},{"text":"Oh, fantastic.","start":41.275,"end":42.175,"sentiment":"positive","sentiment_score":0.4037916362285614}],"sentiment":"neutral","sentiment_score":0.32287619914859533,"num_words":48,"start":29.710001,"end":42.175},{"sentences":[{"text":"How's your morning been so far?","start":42.235,"end":44.095,"sentiment":"neutral","sentiment_score":0.2908615494767825},{"text":"Yeah.","start":46.075,"end":46.575,"sentiment":"neutral","sentiment_score":0.286643385887146},{"text":"Fantastic.","start":46.635,"end":47.135,"sentiment":"positive","sentiment_score":0.5079074501991272},{"text":"Well, I'll try not to take up too much of your time.","start":47.355,"end":49.434998,"sentiment":"neutral","sentiment_score":0.08817495716114838},{"text":"Before we jump into the call, just to let you know, we do record our calls for quality and training purpose.","start":49.595,"end":53.7,"sentiment":"neutral","sentiment_score":0.1214642460857119}],"sentiment":"neutral","sentiment_score":0.14996509235806582,"num_words":41,"start":42.235,"end":53.7},{"sentences":[{"text":"Is he happy to submit a proceed with that?","start":53.7,"end":55.72,"sentiment":"neutral","sentiment_score":0.15275546411673227},{"text":"Fantastic.","start":57.38,"end":57.88,"sentiment":"positive","sentiment_score":0.4738646149635315},{"text":"So, Ali, thank you so much for your time.","start":59.14,"end":61.32,"sentiment":"positive","sentiment_score":0.5550610489315457},{"text":"Just to sort of run through, I know you've done quite a bit of the research there with Madison.","start":61.46,"end":65.24,"sentiment":"neutral","sentiment_score":0.2537548526337272},{"text":"I'll just go through and update anything that I might be missing here, and we'll have a bit more of a conversation on what your goals are, what you're looking for in the way of financial advice, and anything I'd just might need to be able to put that together for you.","start":65.78,"end":76.695,"sentiment":"neutral","sentiment_score":0.2457852607163099}],"sentiment":"neutral","sentiment_score":0.27162654432985517,"num_words":90,"start":53.7,"end":76.695},{"sentences":[{"text":"Okay?","start":76.695,"end":77.195,"sentiment":"neutral","sentiment_score":0.06735876202583313},{"text":"Fantastic.","start":77.975,"end":78.475,"sentiment":"neutral","sentiment_score":0.2721455991268158},{"text":"The first thing that seems that I'm missing here is your date of birth.","start":79.494995,"end":82.055,"sentiment":"neutral","sentiment_score":0.04601974179968238},{"text":"Can I grab that off you?","start":82.055,"end":83.595,"sentiment":"neutral","sentiment_score":0.03452415205538273},{"text":"06/25/1989.","start":86.340004,"end":88.26,"sentiment":"neutral","sentiment_score":0.020386088639497757}],"sentiment":"neutral","sentiment_score":0.05266572814434767,"num_words":23,"start":76.695,"end":88.26},{"sentences":[{"text":"Beautiful.","start":88.26,"end":88.76,"sentiment":"positive","sentiment_score":0.3743351399898529},{"text":"Thank you so much for that.","start":88.82,"end":90.18,"sentiment":"positive","sentiment_score":0.47321179509162903},{"text":"And when you look forward I know you've got a lot of time ahead of you.","start":90.18,"end":92.740005,"sentiment":"neutral","sentiment_score":0.1837244462221861},{"text":"You're still very young.","start":92.740005,"end":93.54,"sentiment":"neutral","sentiment_score":0.03780992887914181},{"text":"But when you look forward towards your retirement goals, do you know what kind of age you're hoping to maybe stop work and the other access you're super in the future?","start":93.54,"end":100.825,"sentiment":"neutral","sentiment_score":0.07328765695133517}],"sentiment":"neutral","sentiment_score":0.1478681746741821,"num_words":58,"start":88.26,"end":100.825},{"sentences":[{"text":"Yeah.","start":108.805,"end":109.305,"sentiment":"neutral","sentiment_score":0.08545286953449249},{"text":"Yeah.","start":117.94,"end":118.34,"sentiment":"neutral","sentiment_score":0.12485866248607635},{"text":"Absolutely.","start":118.34,"end":118.84,"sentiment":"neutral","sentiment_score":0.112460695207119},{"text":"Perfect.","start":119.46,"end":119.96,"sentiment":"positive","sentiment_score":0.6631476879119873},{"text":"I'll pop that in here for you.","start":120.58,"end":122.18,"sentiment":"positive","sentiment_score":0.5125378796032497}],"sentiment":"positive","sentiment_score":0.41578955203294754,"num_words":11,"start":108.805,"end":122.18},{"sentences":[{"text":"Fantastic.","start":122.18,"end":122.68,"sentiment":"positive","sentiment_score":0.6052004098892212},{"text":"And have you ever thought of no.","start":123.675,"end":125.595,"sentiment":"neutral","sentiment_score":0.05822337418794632},{"text":"Not everyone has, but have you ever sort of thought of what kind of income you might be looking to draw down or live off in those retirement years?","start":125.595,"end":131.595,"sentiment":"neutral","sentiment_score":-0.06122481411901014},{"text":"If you haven't, that's honestly okay.","start":131.595,"end":133.375,"sentiment":"neutral","sentiment_score":-0.04915804912646612},{"text":"Yeah.","start":137.53001,"end":138.03001,"sentiment":"neutral","sentiment_score":-0.08581942319869995}],"sentiment":"neutral","sentiment_score":-0.02598916586827148,"num_words":44,"start":122.18,"end":138.03001},{"sentences":[{"text":"I 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Superfund here under your previous your maiden name.","start":188.68,"end":192.59999,"sentiment":"neutral","sentiment_score":0.08766034183402856}],"sentiment":"neutral","sentiment_score":0.06996559312172008,"num_words":33,"start":179.49501,"end":192.59999},{"sentences":[{"text":"It's under Bulger.","start":192.59999,"end":193.56,"sentiment":"neutral","sentiment_score":0.061478860676288605},{"text":"Is that right?","start":193.56,"end":194.37999,"sentiment":"neutral","sentiment_score":0.06228305151065191},{"text":"That's absolutely okay.","start":198.84,"end":200.28,"sentiment":"neutral","sentiment_score":0.20840097963809967},{"text":"That's not a 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a problem at all.","start":495.39502,"end":496.195,"sentiment":"positive","sentiment_score":0.41211806535720824},{"text":"I can sort of work it out and average it for you.","start":496.195,"end":498.34,"sentiment":"positive","sentiment_score":0.35713939865430194},{"text":"I can see here Maddie's left a note that your employer hasn't been paying your contributions as of yet, but they are due to start.","start":498.34,"end":505.54,"sentiment":"neutral","sentiment_score":0.05510346531867981},{"text":"Is that right?","start":505.54,"end":506.44,"sentiment":"neutral","sentiment_score":0.07749039183060329}],"sentiment":"neutral","sentiment_score":0.18656062642517296,"num_words":46,"start":494.755,"end":506.44},{"sentences":[{"text":"Okay.","start":508.34,"end":508.82,"sentiment":"neutral","sentiment_score":0.06693917512893677},{"text":"Have they kinda given you any idea as to when those contributions should start going into your super on a regular basis?","start":508.82,"end":514.315,"sentiment":"neutral","sentiment_score":0.03643239865248853},{"text":"No.","start":516.85504,"end":517.17505,"sentiment":"neutral","sentiment_score":-0.1648296415805817},{"text":"That's okay.","start":517.17505,"end":518.075,"sentiment":"neutral","sentiment_score":-0.04318558983504772},{"text":"The but they are like, they are guaranteeing they are gonna start that fairly soon for you.","start":519.09503,"end":524.075,"sentiment":"neutral","sentiment_score":0.02839447864714791}],"sentiment":"neutral","sentiment_score":0.02558040142405865,"num_words":43,"start":508.34,"end":524.075},{"sentences":[{"text":"Yeah.","start":529.35,"end":529.85,"sentiment":"neutral","sentiment_score":0.028478555381298065},{"text":"Yes.","start":534.70996,"end":535.20996,"sentiment":"neutral","sentiment_score":0.03754580020904541},{"text":"Yeah.","start":535.67,"end":535.99,"sentiment":"neutral","sentiment_score":0.12137588858604433},{"text":"Absolutely.","start":535.99,"end":536.49,"sentiment":"neutral","sentiment_score":0.29616779088974},{"text":"Yes.","start":539.76495,"end":540.26495,"sentiment":"neutral","sentiment_score":0.21669791638851169}],"sentiment":"neutral","sentiment_score":0.1400531902909279,"num_words":5,"start":529.35,"end":540.26495},{"sentences":[{"text":"Yes.","start":542.00494,"end":542.50494,"sentiment":"neutral","sentiment_score":0.1454052776098251},{"text":"Yep.","start":555.7,"end":556.01996,"sentiment":"neutral","sentiment_score":0.10147314518690108},{"text":"Okay.","start":556.01996,"end":556.51996,"sentiment":"neutral","sentiment_score":0.0583161786198616},{"text":"Yep.","start":558.82,"end":559.32,"sentiment":"neutral","sentiment_score":0.24740402400493625},{"text":"Perfect.","start":560.33997,"end":560.83997,"sentiment":"positive","sentiment_score":0.539271354675293}],"sentiment":"neutral","sentiment_score":0.21837399601936341,"num_words":5,"start":542.00494,"end":560.83997},{"sentences":[{"text":"The main source of the reasons that are going into that is with the with the advice we do provide, we are sort of looking to make sure the contributions do go in from your employer because that kinda helps to factor into growth and making your super work a bit harder.","start":561.06,"end":574.065,"sentiment":"neutral","sentiment_score":0.0723702165369804},{"text":"So we do assume contributions going in as part of the advice to sort of show you long term effect and compounding of that with projection tables.","start":574.605,"end":583.7,"sentiment":"neutral","sentiment_score":0.05987895224933271},{"text":"Are you comfortable with me just working out the average and kind of even if it's a lower form of contribution, just adding that in there to sort of show you how that should look with your employer contributions going in.","start":584.32,"end":594.84503,"sentiment":"neutral","sentiment_score":0.06116973381580376},{"text":"Yep.","start":596.265,"end":596.765,"sentiment":"positive","sentiment_score":0.6440431475639343},{"text":"Beautiful.","start":597.78503,"end":598.28503,"sentiment":"positive","sentiment_score":0.6894886493682861}],"sentiment":"neutral","sentiment_score":0.0755858512625831,"num_words":122,"start":561.06,"end":598.28503},{"sentences":[{"text":"Yeah.","start":607.24,"end":607.63995,"sentiment":"neutral","sentiment_score":0.02645198814570904},{"text":"Because, I mean, you're the one that's getting disadvantaged by them not doing that because that money going in on a regular basis, it helps yourself if they kinda hold off into that as a lump sum later down the track.","start":607.63995,"end":617.39996,"sentiment":"neutral","sentiment_score":-0.08059388535415254},{"text":"It only really disadvantages you, unfortunately.","start":617.39996,"end":619.925,"sentiment":"neutral","sentiment_score":-0.27994028727213544},{"text":"So, yeah, they should have to be putting those in on a regular basis.","start":620.46497,"end":623.445,"sentiment":"neutral","sentiment_score":-0.09880267083644867},{"text":"It is.","start":624.625,"end":625.285,"sentiment":"neutral","sentiment_score":0.00023375824093818665}],"sentiment":"neutral","sentiment_score":-0.09906732672243379,"num_words":64,"start":607.24,"end":625.285},{"sentences":[{"text":"Yep.","start":625.345,"end":625.585,"sentiment":"neutral","sentiment_score":0.02681179903447628},{"text":"It's gonna be payday.","start":625.585,"end":626.805,"sentiment":"neutral","sentiment_score":-0.009132400155067444},{"text":"So as as per your pay, if you get paid weekly, then your contributions very shortly are gonna have to start going in via pay as well.","start":626.945,"end":633.96,"sentiment":"neutral","sentiment_score":0.03920044522318575},{"text":"So you should be receiving those every week, that June, July.","start":634.02,"end":638.04,"sentiment":"neutral","sentiment_score":0.031090040860528297},{"text":"It is yep.","start":642.58,"end":643.62,"sentiment":"neutral","sentiment_score":0.08730168392260869}],"sentiment":"neutral","sentiment_score":0.03592586349290998,"num_words":46,"start":625.345,"end":643.62},{"sentences":[{"text":"Absolutely.","start":643.62,"end":644.12,"sentiment":"positive","sentiment_score":0.4313148856163025},{"text":"So if you get paid weekly, your contributions will have to go in weekly, which will give you full proper dollar cost averaging, which is more of a benefit for yourself because putting money in on a regular basis help with the compounding effect, but we like to look at dollar cost averaging, which is putting regular amounts of money in at smaller intervals.","start":644.42,"end":660.94995,"sentiment":"neutral","sentiment_score":0.2817904561525211},{"text":"So once a week means you're really taking advantage of the market ups and downs and putting smaller amounts in on on a more regular basis, which can provide a greater benefit long term for you.","start":660.94995,"end":671.26996,"sentiment":"neutral","sentiment_score":0.30654236384563976},{"text":"So it's not a bad thing at all.","start":671.26996,"end":673.625,"sentiment":"positive","sentiment_score":0.3419068977236748},{"text":"It's gonna annoy employers, but it's a really great thing for yourself to have true dollar cost averaging with your super.","start":673.625,"end":679.565,"sentiment":"positive","sentiment_score":0.39675314192261013}],"sentiment":"neutral","sentiment_score":0.312065387230653,"num_words":130,"start":643.62,"end":679.565},{"sentences":[{"text":"Yeah.","start":683.865,"end":684.365,"sentiment":"neutral","sentiment_score":0.17246173322200775},{"text":"Oh, absolutely.","start":687.24,"end":688.13995,"sentiment":"neutral","sentiment_score":0.2158636450767517},{"text":"Yeah.","start":694.04,"end":694.54,"sentiment":"neutral","sentiment_score":0.003716709092259407},{"text":"Yeah.","start":708.055,"end":708.555,"sentiment":"neutral","sentiment_score":-0.16090010106563568},{"text":"Yeah.","start":709.64996,"end":710.14996,"sentiment":"neutral","sentiment_score":-0.012994594871997832}],"sentiment":"neutral","sentiment_score":0.07233517275502284,"num_words":6,"start":683.865,"end":710.14996},{"sentences":[{"text":"Yeah.","start":710.61,"end":711.11,"sentiment":"neutral","sentiment_score":-0.013984976336359978},{"text":"No.","start":711.25,"end":711.64996,"sentiment":"neutral","sentiment_score":-0.09838762134313583},{"text":"Abs absolutely.","start":711.64996,"end":712.79,"sentiment":"neutral","sentiment_score":0.0323020163923502},{"text":"Absolutely.","start":713.17,"end":713.67,"sentiment":"neutral","sentiment_score":0.21649226546287537},{"text":"Well, I'll factor that into the advice, and, hopefully, he does start paying those very soon.","start":713.88995,"end":718.31,"sentiment":"neutral","sentiment_score":0.2395571693778038}],"sentiment":"neutral","sentiment_score":0.19055421002918765,"num_words":21,"start":710.61,"end":718.31},{"sentences":[{"text":"And, Midlief, you decide to take on the advice and move forward to implement it, we'll be making sure that those do come in, and we can do what we can to help you.","start":718.61,"end":725.675,"sentiment":"positive","sentiment_score":0.369953301790006},{"text":"But, yeah, we'll just wanna make sure we see those coming in because it's it's, you know, to your advantage, this is part of your wage, part of your income, so you actually wanna make sure you do receive those funds.","start":726.13495,"end":734.875,"sentiment":"neutral","sentiment_score":0.2096714471898428},{"text":"Yeah.","start":735.01495,"end":735.51495,"sentiment":"neutral","sentiment_score":0.19966815412044525},{"text":"All good.","start":735.89496,"end":736.63495,"sentiment":"positive","sentiment_score":0.5741601586341858},{"text":"All good.","start":738.38,"end":739.12,"sentiment":"positive","sentiment_score":0.6260179877281189}],"sentiment":"neutral","sentiment_score":0.2971870755311102,"num_words":80,"start":718.61,"end":739.12},{"sentences":[{"text":"And they should be paying about 12%.","start":739.42,"end":741.33997,"sentiment":"neutral","sentiment_score":0.180214490209307},{"text":"You don't get anything additional over and above that 12%?","start":741.33997,"end":744.24,"sentiment":"neutral","sentiment_score":-3.1847506761550902e-6},{"text":"No.","start":746.3,"end":746.8,"sentiment":"neutral","sentiment_score":-0.10371609777212144},{"text":"Yep.","start":748.86,"end":749.36,"sentiment":"neutral","sentiment_score":0.0007618653471581638},{"text":"No worries at all.","start":750.625,"end":752.245,"sentiment":"neutral","sentiment_score":0.027360846288502216}],"sentiment":"neutral","sentiment_score":0.055128640725540565,"num_words":23,"start":739.42,"end":752.245},{"sentences":[{"text":"You're not salary sacrificing anything additional to Super at the moment?","start":753.025,"end":757.28503,"sentiment":"neutral","sentiment_score":-0.12251177768815648},{"text":"No.","start":759.745,"end":760.245,"sentiment":"neutral","sentiment_score":-0.3030319809913635},{"text":"Yeah.","start":765.44,"end":765.94,"sentiment":"neutral","sentiment_score":-0.0786733478307724},{"text":"Yep.","start":768.96,"end":769.46,"sentiment":"neutral","sentiment_score":-0.00815283041447401},{"text":"Nope.","start":773.69495,"end":774.19495,"sentiment":"neutral","sentiment_score":-0.22361597418785095}],"sentiment":"neutral","sentiment_score":-0.1307402458662788,"num_words":15,"start":753.025,"end":774.19495},{"sentences":[{"text":"Yep.","start":774.735,"end":775.21497,"sentiment":"neutral","sentiment_score":0.040369175374507904},{"text":"That's okay.","start":775.21497,"end":776.115,"sentiment":"neutral","sentiment_score":0.1043095625936985},{"text":"Yeah.","start":779.69495,"end":780.19495,"sentiment":"neutral","sentiment_score":-0.0046663712710142136},{"text":"Yeah.","start":797.87,"end":798.37,"sentiment":"neutral","sentiment_score":0.030327923595905304},{"text":"Yep.","start":798.51,"end":799.01,"sentiment":"neutral","sentiment_score":0.05202300846576691}],"sentiment":"neutral","sentiment_score":0.054445476892093815,"num_words":6,"start":774.735,"end":799.01},{"sentences":[{"text":"Yeah.","start":810.285,"end":810.765,"sentiment":"neutral","sentiment_score":0.0332760214805603},{"text":"No.","start":810.765,"end":810.925,"sentiment":"neutral","sentiment_score":-0.004331391304731369},{"text":"That's okay.","start":810.925,"end":811.645,"sentiment":"neutral","sentiment_score":0.13138265535235405},{"text":"That's not a problem at all.","start":811.645,"end":813.09,"sentiment":"neutral","sentiment_score":0.217814472814401},{"text":"I mean, from a tax perspective, there's not really a lot to gain in doing it.","start":813.17004,"end":816.77,"sentiment":"neutral","sentiment_score":0.001840623328462243}],"sentiment":"neutral","sentiment_score":0.06261718273162842,"num_words":26,"start":810.285,"end":816.77},{"sentences":[{"text":"It's more just whether you're open to doing so to kinda help with the compounding effect and get you super growing and working harder long term for your retirement.","start":816.77,"end":824.71,"sentiment":"neutral","sentiment_score":0.17741698206498704},{"text":"But the other thing is with having young kids as well, it does mean your take home pay is gonna reduce.","start":825.25,"end":829.82495,"sentiment":"neutral","sentiment_score":-0.2133370056038811},{"text":"So if you're not comfortable doing that right now, we can always hold that off and make it something we reassess in the medium term as, you know, as your life changes.","start":829.96497,"end":838.365,"sentiment":"neutral","sentiment_score":-0.10058061685413122},{"text":"Did you want me to push put that back a little bit into May maybe a medium term goal?","start":838.365,"end":842.52496,"sentiment":"neutral","sentiment_score":-0.012296401944599654},{"text":"Yep.","start":842.52496,"end":843.02496,"sentiment":"neutral","sentiment_score":-0.024186065420508385}],"sentiment":"neutral","sentiment_score":-0.027562569406833135,"num_words":102,"start":816.77,"end":843.02496},{"sentences":[{"text":"Yep.","start":851.09,"end":851.59,"sentiment":"neutral","sentiment_score":0.18659156560897827},{"text":"Yep.","start":865.105,"end":865.605,"sentiment":"neutral","sentiment_score":0.12041538953781128},{"text":"Yeah.","start":867.185,"end":867.685,"sentiment":"neutral","sentiment_score":0.12163154035806656},{"text":"Yeah.","start":868.38,"end":868.88,"sentiment":"neutral","sentiment_score":0.10485376417636871},{"text":"Yep.","start":881.83496,"end":882.33496,"sentiment":"neutral","sentiment_score":0.19263911247253415}],"sentiment":"neutral","sentiment_score":0.1452262744307518,"num_words":5,"start":851.09,"end":882.33496},{"sentences":[{"text":"Yes.","start":898.89,"end":899.39,"sentiment":"neutral","sentiment_score":0.1797167956829071},{"text":"Yeah.","start":900.64996,"end":901.05,"sentiment":"neutral","sentiment_score":0.16678935289382937},{"text":"No.","start":901.05,"end":901.29,"sentiment":"neutral","sentiment_score":0.0956932082772255},{"text":"That's okay.","start":901.29,"end":901.93,"sentiment":"neutral","sentiment_score":0.23429708927869797},{"text":"That's not a problem at all.","start":901.93,"end":903.13,"sentiment":"positive","sentiment_score":0.3994259734948476}],"sentiment":"neutral","sentiment_score":0.30066812512549485,"num_words":11,"start":898.89,"end":903.13},{"sentences":[{"text":"We'll make that a medium term goal.","start":903.13,"end":904.49,"sentiment":"positive","sentiment_score":0.538521306855338},{"text":"We can always reassess that in the future, and for now, we'll just focus on that 12% for your employer contributions.","start":904.49,"end":909.525,"sentiment":"positive","sentiment_score":0.3572805566447122},{"text":"Easy done.","start":909.985,"end":910.805,"sentiment":"positive","sentiment_score":0.343204602599144},{"text":"When we are looking at your sleep, we also wanna look at how to invest money.","start":911.585,"end":914.945,"sentiment":"neutral","sentiment_score":0.13494834769517183},{"text":"So there are different risk profiles through different people and different ages and stages.","start":914.945,"end":919.025,"sentiment":"neutral","sentiment_score":0.005831620522907802}],"sentiment":"neutral","sentiment_score":0.23666277155280113,"num_words":60,"start":903.13,"end":919.025},{"sentences":[{"text":"What we wanna do is we, unlike the industry fund, you probably just been popped into the most, you know, what their average risk profile is and their average investment class, but we have to look at it a bit deeper.","start":919.025,"end":928.77997,"sentiment":"neutral","sentiment_score":0.011302299797534943},{"text":"So we look at your age and stage, where you are, how long you have until you wanna a super and that's why we look at your goals.","start":928.77997,"end":934.785,"sentiment":"neutral","sentiment_score":0.023646703122981956},{"text":"We look at your age that you're wanting to hopefully retire and work from now till that age.","start":934.785,"end":939.76495,"sentiment":"neutral","sentiment_score":0.010371460061934259},{"text":"When you have a longer time, say, twenty or thirty years, you can take on a bit more risk in the market to try and get greater potential returns knowing that greater risk does save the a larger likelihood of a negative return.","start":940.14496,"end":952.33,"sentiment":"neutral","sentiment_score":-0.15349589790715729},{"text":"So we do see ups and downs in the short term that can make us a bit nervous in the markets.","start":952.33,"end":956.91003,"sentiment":"neutral","sentiment_score":-0.2903007325671968}],"sentiment":"neutral","sentiment_score":-0.07539371346795795,"num_words":151,"start":919.025,"end":956.91003},{"sentences":[{"text":"When we're older and closer to retiring, we don't wanna take that kind of risk in the market.","start":957.05005,"end":961.425,"sentiment":"neutral","sentiment_score":-0.29068580352597767},{"text":"So we do what's called a risk profile questionnaire.","start":961.425,"end":963.845,"sentiment":"neutral","sentiment_score":-0.01887733882500066},{"text":"It's rounded at 14 old questions.","start":964.385,"end":966.305,"sentiment":"neutral","sentiment_score":0.08354658012588818},{"text":"I they're all multiple choice, and I go through them as quickly as possible for you.","start":966.305,"end":969.845,"sentiment":"neutral","sentiment_score":0.18777398485690355},{"text":"But they help us to determine where you fit within that risk profile, what level of risk you should be taking to help you achieve your goals, but also what level of risk you're comfortable taking.","start":970.065,"end":979.72,"sentiment":"neutral","sentiment_score":0.20524828849981228}],"sentiment":"neutral","sentiment_score":0.06461601307725205,"num_words":85,"start":957.05005,"end":979.72},{"sentences":[{"text":"Because even though, you know, you might have two people of the exact same age, they might not be comfortable in the same risk profile taking the same level of risk.","start":979.72,"end":987.07996,"sentiment":"neutral","sentiment_score":-0.19831428568690054},{"text":"One person might be seen as a bit more of a risky client.","start":987.07996,"end":989.81995,"sentiment":"neutral","sentiment_score":-0.14881005482031748},{"text":"The other one might be more conservative and wanted to take a less level of risk.","start":989.835,"end":993.435,"sentiment":"neutral","sentiment_score":-0.09494466101750731},{"text":"So this risk profile helps us to break down how you feel about things, what your circumstances look like, how long you have until you're wanting to access your super, and then we'll kind of talk a bit more about what level that looks like and how you might see those investments.","start":993.435,"end":1006.61,"sentiment":"neutral","sentiment_score":0.183208739456649},{"text":"I'll go through these.","start":1008.27,"end":1009.47003,"sentiment":"neutral","sentiment_score":0.08477212116122246}],"sentiment":"neutral","sentiment_score":0.002280644751314459,"num_words":116,"start":979.72,"end":1009.47003},{"sentences":[{"text":"As I said, they're all multiple choice.","start":1009.47003,"end":1010.91003,"sentiment":"neutral","sentiment_score":0.09129482401268822},{"text":"I'll go through them one by one.","start":1010.91003,"end":1012.61,"sentiment":"neutral","sentiment_score":0.1512389960033553},{"text":"I've answered some of them already with how we've been kinda going.","start":1012.83,"end":1016.21,"sentiment":"neutral","sentiment_score":0.1251419714341561},{"text":"And if you're not sure, just let me know and we can talk through.","start":1016.75,"end":1019.63,"sentiment":"neutral","sentiment_score":-0.005788118711539677},{"text":"Okay?","start":1019.63,"end":1020.13,"sentiment":"neutral","sentiment_score":0.05245372653007507}],"sentiment":"neutral","sentiment_score":0.07733806004611457,"num_words":41,"start":1009.47003,"end":1020.13},{"sentences":[{"text":"The first one here is how would you like to rate yourself as a risk taker?","start":1021.445,"end":1025.605,"sentiment":"neutral","sentiment_score":0.17844601534307003},{"text":"So if you say thought about risk on a scale of, say, one to five, do you consider yourself to be one, a very high risk taker?","start":1025.605,"end":1033.045,"sentiment":"neutral","sentiment_score":0.004220767429581395},{"text":"You're happy to put it all on black and see what comes out?","start":1033.045,"end":1035.99,"sentiment":"neutral","sentiment_score":0.03452668510950529},{"text":"Would you consider yourself maybe a three in the medium?","start":1036.23,"end":1039.05,"sentiment":"neutral","sentiment_score":-0.00010072477161884307},{"text":"You wanna take a bit of risk in the market to get good returns, but you're, you know, a bit concerned about the ups and downs in the short term, or are you not a very risk you don't you don't like risk at all and understand returns are gonna be lower because of that?","start":1039.11,"end":1051.755,"sentiment":"neutral","sentiment_score":-0.08247275054454803}],"sentiment":"neutral","sentiment_score":-0.009248468224421021,"num_words":121,"start":1021.445,"end":1051.755},{"sentences":[{"text":"How do you think you might rate yourself?","start":1051.755,"end":1053.455,"sentiment":"neutral","sentiment_score":0.04043739102780819},{"text":"Yep.","start":1056.3151,"end":1056.8151,"sentiment":"neutral","sentiment_score":0.1476045548915863},{"text":"Yep.","start":1059.195,"end":1059.695,"sentiment":"neutral","sentiment_score":0.08418649435043335},{"text":"Yep.","start":1062.3151,"end":1062.8151,"sentiment":"neutral","sentiment_score":-0.15390878915786743},{"text":"Yep.","start":1064.01,"end":1064.51,"sentiment":"neutral","sentiment_score":-0.044190142303705215}],"sentiment":"neutral","sentiment_score":0.029765937166909378,"num_words":12,"start":1051.755,"end":1064.51},{"sentences":[{"text":"Yep.","start":1067.53,"end":1068.03,"sentiment":"neutral","sentiment_score":0.017876429483294487},{"text":"Yep.","start":1072.17,"end":1072.25,"sentiment":"neutral","sentiment_score":0.062121085822582245},{"text":"Yep.","start":1072.25,"end":1072.75,"sentiment":"neutral","sentiment_score":0.2545641362667084},{"text":"Perfect.","start":1075.4501,"end":1075.9501,"sentiment":"positive","sentiment_score":0.7569749355316162},{"text":"Love 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name, well, gold's a great investment.","start":1230.42,"end":1236.505,"sentiment":"neutral","sentiment_score":0.2748535551130772},{"text":"It has has seen a lot of growth over the last couple of years.","start":1236.565,"end":1239.625,"sentiment":"positive","sentiment_score":0.46422735282352995},{"text":"It does continue.","start":1239.845,"end":1240.6449,"sentiment":"positive","sentiment_score":0.39611714084943134},{"text":"We all love it, but it is important when you consider the the asset of risk.","start":1240.6449,"end":1245.0449,"sentiment":"neutral","sentiment_score":0.1535245543345809}],"sentiment":"neutral","sentiment_score":0.2724800676107407,"num_words":65,"start":1226.5801,"end":1245.0449},{"sentences":[{"text":"And when, you know, you are investing when I invest personally, I do think about the ultimate risk level is if I invest this money, what's the ultimate thing that could 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excellent.","start":1516.365,"end":1517.085,"sentiment":"positive","sentiment_score":0.35170552134513855},{"text":"That's fantastic.","start":1517.085,"end":1517.905,"sentiment":"positive","sentiment_score":0.6382185816764832},{"text":"You've done a really great job there.","start":1518.125,"end":1519.725,"sentiment":"positive","sentiment_score":0.671660874571119},{"text":"I love that.","start":1519.725,"end":1520.5449,"sentiment":"positive","sentiment_score":0.7090184688568115},{"text":"I've answered the next two.","start":1521.645,"end":1522.86,"sentiment":"neutral","sentiment_score":0.11030058115720749}],"sentiment":"positive","sentiment_score":0.49263329686302887,"num_words":19,"start":1516.365,"end":1522.86},{"sentences":[{"text":"That's okay.","start":1522.86,"end":1523.1,"sentiment":"neutral","sentiment_score":0.09735751897096634},{"text":"I've answered the next two questions for you.","start":1523.1,"end":1524.86,"sentiment":"neutral","sentiment_score":0.10451580304652452},{"text":"So, realistically, when we're looking at time horizon, because of your age, you still have a lot of time before you're able to access super.","start":1524.86,"end":1530.94,"sentiment":"neutral","sentiment_score":0.03819100618362427},{"text":"So we're looking at a longer time horizon of more than ten years there.","start":1530.94,"end":1534.32,"sentiment":"neutral","sentiment_score":0.03597028047910759},{"text":"I've also the next couple of questions also kinda go back to that risk versus reward balance.","start":1535.475,"end":1539.7949,"sentiment":"neutral","sentiment_score":0.013112880892175086}],"sentiment":"neutral","sentiment_score":0.04109271998150331,"num_words":66,"start":1522.86,"end":1539.7949},{"sentences":[{"text":"So how much risk do you feel like you're willing to take in the market to try and get the best returns you can?","start":1539.7949,"end":1544.595,"sentiment":"neutral","sentiment_score":0.07962538286422689},{"text":"You sorta come across as someone who's quite conservative.","start":1544.595,"end":1547.575,"sentiment":"neutral","sentiment_score":0.009089231905010011},{"text":"I'd say sort of middle of the range there.","start":1547.635,"end":1549.235,"sentiment":"neutral","sentiment_score":0.05167275832759009},{"text":"So you are wanting to take on a bit of risk in the market to get the greater returns, but you don't wanna take on a whole lot of risk.","start":1549.235,"end":1555.68,"sentiment":"neutral","sentiment_score":0.08673678934574128},{"text":"You kind of wanna make sure you have some of those defensive low risk investments and diversify and make sure it's more calculated.","start":1555.68,"end":1561.86,"sentiment":"neutral","sentiment_score":0.22663586197987848}],"sentiment":"neutral","sentiment_score":0.10813258533415042,"num_words":95,"start":1539.7949,"end":1561.86},{"sentences":[{"text":"Am I on the right track with that?","start":1562.0,"end":1563.675,"sentiment":"neutral","sentiment_score":0.16969200409948826},{"text":"Yep.","start":1565.1951,"end":1565.675,"sentiment":"positive","sentiment_score":0.4200987219810486},{"text":"Perfect.","start":1565.675,"end":1566.175,"sentiment":"positive","sentiment_score":0.6006879806518555},{"text":"The next one here is thinking about your current super balance.","start":1566.875,"end":1569.5951,"sentiment":"neutral","sentiment_score":0.10936044630679218},{"text":"So if we saw, like, a large market dip, which can and will happen in the future, we've had some ups and downs this year.","start":1569.5951,"end":1575.5951,"sentiment":"neutral","sentiment_score":-0.02163285806775093}],"sentiment":"neutral","sentiment_score":0.06609709115455979,"num_words":46,"start":1562.0,"end":1575.5951},{"sentences":[{"text":"They've only been very minor in comparison to what we have seen in the past.","start":1575.5951,"end":1579.78,"sentiment":"neutral","sentiment_score":-0.11754375000794728},{"text":"But every, you know, couple of years within a ten year time horizon, we do generally see a large market up and down where the market can drop anywhere from, say, 10 to 20 to 30% depending on what the market goes through.","start":1580.08,"end":1591.94,"sentiment":"neutral","sentiment_score":-0.07591293176072975},{"text":"It's about making sure that you're invested through those times, and you can stay invested, not cementing or taking any of the money out when you go to those down times there.","start":1592.345,"end":1600.845,"sentiment":"neutral","sentiment_score":0.013201501977164298},{"text":"If you thought about your current super balance, which is a bit over 79,000 currently, and you saw that drop up to 50%, more than 50%, or say up to twenty, thirty, or 10%, how much of a drop do you think that Super Balance could withstand before you're starting to feel quite nervous?","start":1600.985,"end":1620.01,"sentiment":"neutral","sentiment_score":-0.03373385420827954},{"text":"How far of a drop would you be comfortable taking, do you think?","start":1620.1499,"end":1623.625,"sentiment":"neutral","sentiment_score":-0.0267679626838519}],"sentiment":"neutral","sentiment_score":-0.04315016493438535,"num_words":157,"start":1575.5951,"end":1623.625},{"sentences":[{"text":"Okay.","start":1628.565,"end":1629.065,"sentiment":"neutral","sentiment_score":0.004084641113877296},{"text":"Yep.","start":1629.6849,"end":1630.1849,"sentiment":"neutral","sentiment_score":0.02541978284716606},{"text":"Yep.","start":1631.925,"end":1632.425,"sentiment":"neutral","sentiment_score":0.04025622457265854},{"text":"Yeah.","start":1633.38,"end":1633.88,"sentiment":"neutral","sentiment_score":0.044029779732227325},{"text":"Yep.","start":1639.06,"end":1639.56,"sentiment":"neutral","sentiment_score":0.14706557989120483}],"sentiment":"neutral","sentiment_score":0.052171201631426814,"num_words":5,"start":1628.565,"end":1639.56},{"sentences":[{"text":"Yes.","start":1643.3,"end":1643.8,"sentiment":"neutral","sentiment_score":0.04684419929981232},{"text":"Yep.","start":1655.875,"end":1656.375,"sentiment":"neutral","sentiment_score":0.03289501368999481},{"text":"Yeah.","start":1656.435,"end":1656.935,"sentiment":"neutral","sentiment_score":0.03896830976009369},{"text":"Yep.","start":1657.9701,"end":1658.4701,"sentiment":"neutral","sentiment_score":0.023800967261195183},{"text":"Yeah.","start":1667.81,"end":1668.13,"sentiment":"neutral","sentiment_score":0.1040911003947258}],"sentiment":"neutral","sentiment_score":0.04931991808116436,"num_words":5,"start":1643.3,"end":1668.13},{"sentences":[{"text":"Absolutely.","start":1668.13,"end":1668.63,"sentiment":"neutral","sentiment_score":0.2335052490234375},{"text":"No.","start":1669.0901,"end":1669.41,"sentiment":"neutral","sentiment_score":0.1154034435749054},{"text":"Perfect.","start":1669.41,"end":1669.91,"sentiment":"positive","sentiment_score":0.4275940060615539},{"text":"Excellent answer.","start":1670.13,"end":1671.1901,"sentiment":"positive","sentiment_score":0.44336140155792236},{"text":"The next one here is about volatility.","start":1671.815,"end":1673.515,"sentiment":"neutral","sentiment_score":-0.0305988538478102}],"sentiment":"neutral","sentiment_score":0.12075279373675585,"num_words":12,"start":1668.13,"end":1673.515},{"sentences":[{"text":"So, again, if you saw this super drop by 20%, how do you think you might react?","start":1673.575,"end":1678.135,"sentiment":"neutral","sentiment_score":-0.1139963511377573},{"text":"Do you think you might wanna put some more money into it, see it as a buying opportunity?","start":1678.135,"end":1681.835,"sentiment":"neutral","sentiment_score":-0.06647044316762024},{"text":"Are you more likely to hold and wait, maybe call us and have us talk you through it, or are you more likely to cement the loss, sell the investment, and move your funds to something a bit more secure?","start":1682.215,"end":1691.8301,"sentiment":"neutral","sentiment_score":-0.159743457660079},{"text":"How do you think you might react?","start":1691.8301,"end":1693.29,"sentiment":"neutral","sentiment_score":-0.05744966119527817},{"text":"Yep.","start":1695.91,"end":1696.31,"sentiment":"neutral","sentiment_score":0.3084418773651123}],"sentiment":"neutral","sentiment_score":-0.1158777108887233,"num_words":83,"start":1673.575,"end":1696.31},{"sentences":[{"text":"Beautiful.","start":1696.31,"end":1696.81,"sentiment":"positive","sentiment_score":0.6548946499824524},{"text":"Excellent.","start":1696.9501,"end":1697.4501,"sentiment":"positive","sentiment_score":0.6395931243896484},{"text":"The next one here is looking at the kind of rate of return where after long term wise, you're probably looking for the highest return you can probably get out of your super and out of the investments on a yearly basis.","start":1698.645,"end":1707.7051,"sentiment":"neutral","sentiment_score":0.2227989165555863},{"text":"Sound about right?","start":1707.8451,"end":1708.905,"sentiment":"neutral","sentiment_score":0.10202021896839142},{"text":"Yep.","start":1715.0,"end":1715.4,"sentiment":"neutral","sentiment_score":0.050572097301483154}],"sentiment":"neutral","sentiment_score":0.2293473963315288,"num_words":48,"start":1696.31,"end":1715.4},{"sentences":[{"text":"No.","start":1715.4,"end":1715.7999,"sentiment":"neutral","sentiment_score":-0.024505391716957092},{"text":"Perfect.","start":1715.7999,"end":1716.2999,"sentiment":"neutral","sentiment_score":0.07261502742767334},{"text":"The next one here is, again, looking at have you ever seen your super fall in value?","start":1717.0,"end":1721.4,"sentiment":"neutral","sentiment_score":-0.07107905791524578},{"text":"So if you did see a bit of a market drop with the what's happening in the world globally and it dropped a little bit.","start":1721.4,"end":1727.275,"sentiment":"neutral","sentiment_score":-0.13472354248166085},{"text":"Do you think you might be feeling optimistic, cautious, concerned, or a bit anxious?","start":1727.275,"end":1730.9551,"sentiment":"neutral","sentiment_score":-0.09194395904030118}],"sentiment":"neutral","sentiment_score":-0.10026790236989999,"num_words":58,"start":1715.4,"end":1730.9551},{"sentences":[{"text":"How do you think you might feel in that instance?","start":1730.9551,"end":1733.135,"sentiment":"neutral","sentiment_score":-0.035321671329438684},{"text":"Yep.","start":1736.4751,"end":1736.9751,"sentiment":"neutral","sentiment_score":-0.02819975838065147},{"text":"Yep.","start":1746.9701,"end":1747.29,"sentiment":"neutral","sentiment_score":-0.02693249844014645},{"text":"Yep.","start":1747.29,"end":1747.6901,"sentiment":"neutral","sentiment_score":0.03020966798067093},{"text":"Yep.","start":1747.6901,"end":1748.0901,"sentiment":"neutral","sentiment_score":0.025114797055721283}],"sentiment":"neutral","sentiment_score":-0.025216036077056612,"num_words":14,"start":1730.9551,"end":1748.0901},{"sentences":[{"text":"No.","start":1748.0901,"end":1748.3301,"sentiment":"neutral","sentiment_score":0.014090709388256071},{"text":"Perfect.","start":1748.3301,"end":1748.8301,"sentiment":"neutral","sentiment_score":0.2030295580625534},{"text":"It does.","start":1749.93,"end":1750.65,"sentiment":"neutral","sentiment_score":0.17600444704294205},{"text":"Absolutely.","start":1750.65,"end":1751.15,"sentiment":"neutral","sentiment_score":0.20272138714790344},{"text":"The next one here is talking about the types of returns that we get.","start":1752.5751,"end":1755.535,"sentiment":"neutral","sentiment_score":0.06060256436467171}],"sentiment":"neutral","sentiment_score":0.08527823419947374,"num_words":19,"start":1748.0901,"end":1755.535},{"sentences":[{"text":"So when we have investments, we like two different types of returns.","start":1755.535,"end":1758.335,"sentiment":"neutral","sentiment_score":0.03682208868364493},{"text":"One of those is capital growth.","start":1758.335,"end":1759.855,"sentiment":"neutral","sentiment_score":0.04567307295898596},{"text":"So say if you had, you know, CVA shares and you bought that at $20 per share, the next day went up to $50 per share.","start":1759.855,"end":1766.495,"sentiment":"neutral","sentiment_score":0.035557181072922855},{"text":"The difference in the share price is a growth.","start":1766.495,"end":1768.73,"sentiment":"neutral","sentiment_score":0.028863554613457784},{"text":"We also look at income producing, which is dividends.","start":1768.87,"end":1771.59,"sentiment":"neutral","sentiment_score":0.05066260343624486}],"sentiment":"neutral","sentiment_score":0.038002026327435046,"num_words":62,"start":1755.535,"end":1771.59},{"sentences":[{"text":"So we invest in managed funds and ETFs that provide dividends on a regular basis.","start":1771.59,"end":1777.19,"sentiment":"neutral","sentiment_score":0.09807143857081731},{"text":"Those dividends are income, and they get paid into your cash account in your super and reinvested back into the investments for compounding effect.","start":1777.19,"end":1784.635,"sentiment":"neutral","sentiment_score":0.13579132469991842},{"text":"Generally, when we're younger, we could take a bit more risk to get more in the way of capital growth.","start":1785.5751,"end":1789.5751,"sentiment":"neutral","sentiment_score":-0.08792988020722987},{"text":"When we're older, we like a bit more income producing because it tends to help pay the income in those retirement years.","start":1789.5751,"end":1795.1951,"sentiment":"neutral","sentiment_score":0.0885995135388591},{"text":"With where you're at at the moment, do you think you'd want more capital growth, more income, or a balance of both?","start":1795.5,"end":1800.88,"sentiment":"neutral","sentiment_score":0.04418820125812834}],"sentiment":"neutral","sentiment_score":0.057211606725722605,"num_words":103,"start":1771.59,"end":1800.88},{"sentences":[{"text":"Yeah.","start":1806.3,"end":1806.8,"sentiment":"neutral","sentiment_score":0.10214798152446748},{"text":"Yep.","start":1813.275,"end":1813.775,"sentiment":"neutral","sentiment_score":0.2957867681980133},{"text":"Yep.","start":1820.89,"end":1821.39,"sentiment":"neutral","sentiment_score":0.30552050471305847},{"text":"Yep.","start":1825.4501,"end":1825.9501,"sentiment":"neutral","sentiment_score":0.1587066650390625},{"text":"Yeah.","start":1827.2101,"end":1827.53,"sentiment":"neutral","sentiment_score":0.2905098795890808}],"sentiment":"neutral","sentiment_score":0.2305343598127365,"num_words":5,"start":1806.3,"end":1827.53},{"sentences":[{"text":"Absolutely.","start":1827.53,"end":1828.03,"sentiment":"positive","sentiment_score":0.45762139558792114},{"text":"Most definitely.","start":1828.49,"end":1829.31,"sentiment":"positive","sentiment_score":0.48198646306991577},{"text":"Perfect.","start":1829.77,"end":1830.27,"sentiment":"positive","sentiment_score":0.6771206259727478},{"text":"Mhmm.","start":1838.9851,"end":1839.4851,"sentiment":"neutral","sentiment_score":0.08304603397846222},{"text":"Yep.","start":1844.6,"end":1845.1,"sentiment":"neutral","sentiment_score":0.04272071644663811}],"sentiment":"positive","sentiment_score":0.37074694968760014,"num_words":6,"start":1827.53,"end":1845.1},{"sentences":[{"text":"That's okay.","start":1850.7599,"end":1851.48,"sentiment":"neutral","sentiment_score":-0.04015753231942654},{"text":"Do you think you'd sort of do you think you're sort of wanting a bit of both?","start":1851.48,"end":1855.88,"sentiment":"neutral","sentiment_score":0.04311174954123357},{"text":"You're wanting that capital growth, but you're also wanting to, you know, offset some of the risk by having a bit of income there as well?","start":1855.88,"end":1862.785,"sentiment":"neutral","sentiment_score":0.03227908035310415},{"text":"Yep.","start":1865.005,"end":1865.505,"sentiment":"neutral","sentiment_score":0.174526184797287},{"text":"Beautiful.","start":1865.645,"end":1866.145,"sentiment":"neutral","sentiment_score":0.27798494696617126}],"sentiment":"neutral","sentiment_score":0.04136918932992093,"num_words":47,"start":1850.7599,"end":1866.145},{"sentences":[{"text":"No.","start":1868.765,"end":1869.005,"sentiment":"neutral","sentiment_score":-0.1327027976512909},{"text":"That's okay.","start":1869.005,"end":1869.905,"sentiment":"neutral","sentiment_score":-0.04696664772927761},{"text":"The second last question here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you have a goal down the track of borrowing money to maybe buy investment properties and things?","start":1870.285,"end":1882.12,"sentiment":"neutral","sentiment_score":0.0018369814127006314},{"text":"Yep.","start":1885.22,"end":1885.605,"sentiment":"neutral","sentiment_score":0.08623208850622177},{"text":"That's okay.","start":1885.6849,"end":1886.505,"sentiment":"neutral","sentiment_score":0.09665905125439167}],"sentiment":"neutral","sentiment_score":0.0026748256012797357,"num_words":50,"start":1868.765,"end":1886.505},{"sentences":[{"text":"And do you have any kind of goals on the track where you might wanna buy investment properties?","start":1887.125,"end":1890.885,"sentiment":"neutral","sentiment_score":0.05305109090275235},{"text":"We did sort of talk about you you wanting to maybe invest outside of super as well.","start":1890.885,"end":1894.985,"sentiment":"neutral","sentiment_score":0.02963030623162494},{"text":"Is property one of those things that you guys might wanna invest in down the track?","start":1895.525,"end":1899.125,"sentiment":"neutral","sentiment_score":0.023702586186118424},{"text":"Or Yep.","start":1899.125,"end":1904.9601,"sentiment":"neutral","sentiment_score":0.02039920538663864},{"text":"Yep.","start":1906.54,"end":1907.04,"sentiment":"neutral","sentiment_score":-0.1295020580291748}],"sentiment":"neutral","sentiment_score":0.03239208470202155,"num_words":54,"start":1887.125,"end":1907.04},{"sentences":[{"text":"Yep.","start":1911.42,"end":1911.9,"sentiment":"neutral","sentiment_score":-0.27245059609413147},{"text":"Yep.","start":1911.9,"end":1912.4,"sentiment":"neutral","sentiment_score":-0.22005459666252136},{"text":"Yep.","start":1915.545,"end":1916.045,"sentiment":"neutral","sentiment_score":-0.0721585750579834},{"text":"Yep.","start":1926.28,"end":1926.78,"sentiment":"neutral","sentiment_score":-0.03227030858397484},{"text":"Yep.","start":1927.4,"end":1927.9,"sentiment":"neutral","sentiment_score":-0.06046430394053459}],"sentiment":"neutral","sentiment_score":-0.13147967606782912,"num_words":5,"start":1911.42,"end":1927.9},{"sentences":[{"text":"Yep.","start":1931.56,"end":1932.04,"sentiment":"neutral","sentiment_score":-0.011196805164217947},{"text":"Yep.","start":1932.04,"end":1932.28,"sentiment":"neutral","sentiment_score":-0.012000491842627524},{"text":"So make sure you understand the risks.","start":1932.28,"end":1934.8601,"sentiment":"neutral","sentiment_score":-0.04842206782528332},{"text":"Yep.","start":1936.855,"end":1937.1749,"sentiment":"neutral","sentiment_score":0.09959717839956284},{"text":"Absolutely.","start":1937.1749,"end":1937.6749,"sentiment":"neutral","sentiment_score":0.33099520206451416}],"sentiment":"neutral","sentiment_score":0.006221873516386206,"num_words":11,"start":1931.56,"end":1937.6749},{"sentences":[{"text":"Perfect.","start":1937.8949,"end":1938.3949,"sentiment":"positive","sentiment_score":0.4807979166507721},{"text":"Oh, good.","start":1938.615,"end":1939.0149,"sentiment":"positive","sentiment_score":0.3590285927057266},{"text":"Well, you've answered all these questions.","start":1939.0149,"end":1940.2949,"sentiment":"neutral","sentiment_score":0.2968939120570819},{"text":"Thank you so much.","start":1940.2949,"end":1941.335,"sentiment":"positive","sentiment_score":0.6584163755178452},{"text":"A lot of them kinda relate back to each other, so kinda having that conversation going to those questions.","start":1941.335,"end":1945.835,"sentiment":"neutral","sentiment_score":0.2646546144234507}],"sentiment":"neutral","sentiment_score":0.33257255470380187,"num_words":32,"start":1937.8949,"end":1945.835},{"sentences":[{"text":"We've answered them all nice and easily.","start":1945.975,"end":1947.755,"sentiment":"positive","sentiment_score":0.46964631761823383},{"text":"Now where you've scored with this risk profile, you've scored as a growth investor.","start":1948.0549,"end":1951.69,"sentiment":"neutral","sentiment_score":0.0643948351166078},{"text":"What that essentially means is that you're not the highest risk.","start":1951.83,"end":1954.47,"sentiment":"neutral","sentiment_score":-0.027778087988157164},{"text":"You're kind of in that mid range a little bit.","start":1954.47,"end":1956.3099,"sentiment":"neutral","sentiment_score":0.009838131070137025},{"text":"So our investor profile start off aggressive high growth, growth, balance growth, and balanced, and then kind conservative and defensive at the very bottom there.","start":1956.3099,"end":1964.975,"sentiment":"neutral","sentiment_score":0.06131886139512062}],"sentiment":"neutral","sentiment_score":0.08231113123387765,"num_words":67,"start":1945.975,"end":1964.975},{"sentences":[{"text":"So you're fairly mid range.","start":1964.975,"end":1966.835,"sentiment":"neutral","sentiment_score":0.03347704261541366},{"text":"What you would normally see when you think about your super is you would see 80% of your super invest in growth assets.","start":1967.535,"end":1973.375,"sentiment":"neutral","sentiment_score":0.06002868388010108},{"text":"So things like Australian shares, international shares, listed property, and also commodities, so gold and silver there as well.","start":1973.375,"end":1979.66,"sentiment":"neutral","sentiment_score":0.08765259404715739},{"text":"And then the other 20% would be a lower risk defensive investment.","start":1979.8,"end":1983.3201,"sentiment":"neutral","sentiment_score":0.05141345815112194},{"text":"These are more cash producing.","start":1983.3201,"end":1984.68,"sentiment":"neutral","sentiment_score":0.0924452781677246}],"sentiment":"neutral","sentiment_score":0.06707237684167922,"num_words":64,"start":1964.975,"end":1984.68},{"sentences":[{"text":"You think of things like fixed interest, bonds, term deposits, things like that.","start":1984.68,"end":1990.04,"sentiment":"neutral","sentiment_score":0.06429429438251716},{"text":"So they're lower They get a lower rate of return they're supposed to, but they're not they don't fluctuate.","start":1990.04,"end":1994.815,"sentiment":"neutral","sentiment_score":0.036735579690062685},{"text":"They don't, you know, go up and down as violently or as regularly as those growth investments do.","start":1994.875,"end":2000.015,"sentiment":"neutral","sentiment_score":-0.006770222033891413},{"text":"So having a mix of those gives you diversification, having some high risk investments as well as some lower risk investments in there.","start":2000.395,"end":2006.895,"sentiment":"neutral","sentiment_score":0.14201157726347446},{"text":"With the growth portfolio, we're sort of chasing an average return of around seven to 9% on a yearly basis.","start":2006.99,"end":2012.53,"sentiment":"neutral","sentiment_score":0.04032363127917051}],"sentiment":"neutral","sentiment_score":0.05897501878620636,"num_words":93,"start":1984.68,"end":2012.53},{"sentences":[{"text":"That's compounding forward.","start":2013.0701,"end":2014.43,"sentiment":"neutral","sentiment_score":0.08374818786978722},{"text":"Anything over that 9% is your portfolio has over performed and done exceptionally well.","start":2014.43,"end":2019.7101,"sentiment":"neutral","sentiment_score":0.15057891660502978},{"text":"Anything under that 7% and your your portfolio's underperformed through the year there.","start":2019.7101,"end":2024.885,"sentiment":"neutral","sentiment_score":0.02114567834024246},{"text":"With the growth portfolio, because we talked about the likelihood of a negative return, these things do happen with market volatility.","start":2025.665,"end":2031.845,"sentiment":"neutral","sentiment_score":-0.1777574648814542},{"text":"We would expect a negative return sort of one in every five years, And this sort of investor profile suits someone who has at least six years before they're wanting to retire.","start":2032.385,"end":2040.83,"sentiment":"neutral","sentiment_score":-0.16073946643155068}],"sentiment":"neutral","sentiment_score":-0.07520875269659312,"num_words":83,"start":2013.0701,"end":2040.83},{"sentences":[{"text":"So you've got more than double that at the moment.","start":2040.83,"end":2043.3099,"sentiment":"neutral","sentiment_score":-0.14181610122323035},{"text":"You're not going you know, you're not retiring anytime soon.","start":2043.3099,"end":2046.2899,"sentiment":"neutral","sentiment_score":-0.16808996424078942},{"text":"So you do have that sort of minimum time horizon to be up in that growth environment.","start":2046.6699,"end":2050.8499,"sentiment":"neutral","sentiment_score":-0.09824980685816091},{"text":"And with your agent stage and where you're at at the moment, we normally see someone in either a growth or high growth environment with that with where they are.","start":2051.4248,"end":2058.6448,"sentiment":"neutral","sentiment_score":-0.013685719994828104},{"text":"When you're about six years away from wanting to access super or retire, then we would sort of see that drop significantly there.","start":2059.1848,"end":2066.2449,"sentiment":"neutral","sentiment_score":-0.12231548405859781}],"sentiment":"neutral","sentiment_score":-0.08881261227135029,"num_words":90,"start":2040.83,"end":2066.2449},{"sentences":[{"text":"Does that growth environment sort of sit with where you'd like to see your super, or did you wanna maybe look at increasing or decreasing the risk level a little bit there?","start":2066.52,"end":2074.68,"sentiment":"neutral","sentiment_score":-0.05370788963045925},{"text":"How do you feel about that?","start":2074.68,"end":2076.1401,"sentiment":"neutral","sentiment_score":-0.04413228606184324},{"text":"Sounds good?","start":2079.7349,"end":2080.555,"sentiment":"neutral","sentiment_score":-0.24527515470981598},{"text":"Yep.","start":2083.815,"end":2084.315,"sentiment":"neutral","sentiment_score":-0.006106676068156958},{"text":"Absolutely.","start":2085.815,"end":2086.315,"sentiment":"neutral","sentiment_score":0.006156571209430695}],"sentiment":"neutral","sentiment_score":-0.05890349044819318,"num_words":42,"start":2066.52,"end":2086.315},{"sentences":[{"text":"No.","start":2086.615,"end":2086.9348,"sentiment":"neutral","sentiment_score":-0.05126690864562988},{"text":"Perfect.","start":2086.9348,"end":2087.4348,"sentiment":"neutral","sentiment_score":0.15225079655647278},{"text":"Well, I'll have a look at that for you.","start":2087.4949,"end":2089.275,"sentiment":"neutral","sentiment_score":0.12314774096012115},{"text":"When I provide the advice to you, essentially, I'll provide it as a statement of advice.","start":2090.2148,"end":2094.9102,"sentiment":"neutral","sentiment_score":0.11788289854303002},{"text":"We'll go through it page by page.","start":2094.9102,"end":2096.4302,"sentiment":"neutral","sentiment_score":0.1322793268731662}],"sentiment":"neutral","sentiment_score":0.11827633003978168,"num_words":34,"start":2086.615,"end":2096.4302},{"sentences":[{"text":"I'll rate run you through what the recommendations are, the advantages, disadvantages, the risks involved, and then you get to take it away and have a really good rate of it yourself.","start":2096.4302,"end":2104.85,"sentiment":"neutral","sentiment_score":0.12811692734248936},{"text":"Okay?","start":2104.99,"end":2105.49,"sentiment":"neutral","sentiment_score":0.12576527893543243},{"text":"Perfect.","start":2106.695,"end":2107.095,"sentiment":"positive","sentiment_score":0.5347181558609009},{"text":"Now excellent.","start":2107.095,"end":2108.055,"sentiment":"positive","sentiment_score":0.5040752589702606},{"text":"Now I'll have a look at that for you.","start":2108.055,"end":2109.915,"sentiment":"neutral","sentiment_score":0.23422353631920284}],"sentiment":"neutral","sentiment_score":0.1750308323237631,"num_words":45,"start":2096.4302,"end":2109.915},{"sentences":[{"text":"Now there are some other different ways to invest.","start":2109.975,"end":2112.795,"sentiment":"neutral","sentiment_score":0.0908664647075865},{"text":"They have different management styles.","start":2113.095,"end":2114.855,"sentiment":"neutral","sentiment_score":0.05438319891691208},{"text":"The first one is active management.","start":2114.855,"end":2116.715,"sentiment":"neutral","sentiment_score":0.08518600029249986},{"text":"Having a little bit management in there means that you're investing in act in investment managers who are trying to outperform the market.","start":2117.575,"end":2124.02,"sentiment":"neutral","sentiment_score":0.10445791632746873},{"text":"Having more of an active approach to your portfolio does it can cost a little bit more.","start":2124.24,"end":2128.74,"sentiment":"neutral","sentiment_score":0.09574230037191335}],"sentiment":"neutral","sentiment_score":0.09384968934270242,"num_words":60,"start":2109.975,"end":2128.74},{"sentences":[{"text":"There's no guarantees that active managers are going to outperform against the market, but they do their best to try.","start":2128.88,"end":2134.1948,"sentiment":"neutral","sentiment_score":0.17397078089416027},{"text":"Some years they succeed, some years they don't.","start":2134.1948,"end":2136.6948,"sentiment":"neutral","sentiment_score":0.20830162498168647},{"text":"There is also another way of investing.","start":2137.395,"end":2139.315,"sentiment":"neutral","sentiment_score":0.19081761794430868},{"text":"It's called passively, and these are passively managed investments or ETFs or managed funds that are essentially just tracking the market there.","start":2139.315,"end":2147.35,"sentiment":"neutral","sentiment_score":0.21911877529187637},{"text":"This is more of a lower cost way of investing.","start":2147.49,"end":2149.75,"sentiment":"positive","sentiment_score":0.45782547295093534}],"sentiment":"neutral","sentiment_score":0.23702118998921629,"num_words":67,"start":2128.88,"end":2149.75},{"sentences":[{"text":"It can also outperform against active managers depending on what the market does over the course of the year.","start":2150.85,"end":2156.45,"sentiment":"positive","sentiment_score":0.4806379613123442},{"text":"Do you think you wanna sort of focus on a lower cost way of investing go passive, or did you wanna sort of see if you can get something that's, you know, gonna hopefully outperform against the market and look at that active management style?","start":2156.45,"end":2168.335,"sentiment":"neutral","sentiment_score":0.2927451087368859},{"text":"What would you like me to look at for you?","start":2168.335,"end":2170.4348,"sentiment":"neutral","sentiment_score":0.09079943671822548},{"text":"Yep.","start":2182.59,"end":2183.09,"sentiment":"neutral","sentiment_score":0.14681479334831238},{"text":"Yes.","start":2188.7751,"end":2189.2551,"sentiment":"positive","sentiment_score":0.36280807852745056}],"sentiment":"neutral","sentiment_score":0.3121482683835845,"num_words":76,"start":2150.85,"end":2189.2551},{"sentences":[{"text":"Perfect.","start":2189.2551,"end":2189.655,"sentiment":"positive","sentiment_score":0.6015876531600952},{"text":"So we'll look at something more of an active management style for you for your investments.","start":2189.655,"end":2193.355,"sentiment":"positive","sentiment_score":0.39784444123506546},{"text":"Mhmm.","start":2196.95,"end":2197.45,"sentiment":"neutral","sentiment_score":0.012955492362380028},{"text":"Yes.","start":2198.23,"end":2198.73,"sentiment":"neutral","sentiment_score":0.05375324934720993},{"text":"Mhmm.","start":2201.91,"end":2202.41,"sentiment":"neutral","sentiment_score":0.01725512370467186}],"sentiment":"positive","sentiment_score":0.3525531289167702,"num_words":20,"start":2189.2551,"end":2202.41},{"sentences":[{"text":"Yep.","start":2205.5898,"end":2206.0898,"sentiment":"neutral","sentiment_score":0.06331847608089447},{"text":"Yeah.","start":2206.23,"end":2206.63,"sentiment":"neutral","sentiment_score":0.07549631595611572},{"text":"Absolutely.","start":2206.63,"end":2207.13,"sentiment":"neutral","sentiment_score":0.07458127290010452},{"text":"Yep.","start":2217.175,"end":2217.675,"sentiment":"neutral","sentiment_score":0.0002982616424560547},{"text":"Yep.","start":2221.1099,"end":2221.6099,"sentiment":"neutral","sentiment_score":0.04955833777785301}],"sentiment":"neutral","sentiment_score":0.05265053287148476,"num_words":5,"start":2205.5898,"end":2221.6099},{"sentences":[{"text":"Yep.","start":2225.1099,"end":2225.6099,"sentiment":"neutral","sentiment_score":0.08097182214260101},{"text":"Okay.","start":2227.8298,"end":2228.3298,"sentiment":"neutral","sentiment_score":0.02448306605219841},{"text":"Yes.","start":2231.1099,"end":2231.6099,"sentiment":"neutral","sentiment_score":0.034872036427259445},{"text":"Mhmm.","start":2234.245,"end":2234.745,"sentiment":"neutral","sentiment_score":0.018238775432109833},{"text":"You yeah, you you can.","start":2244.645,"end":2247.77,"sentiment":"neutral","sentiment_score":0.05745064802467823}],"sentiment":"neutral","sentiment_score":0.04953543779750665,"num_words":9,"start":2225.1099,"end":2247.77},{"sentences":[{"text":"It is a little bit harder.","start":2247.99,"end":2249.4502,"sentiment":"neutral","sentiment_score":-0.16237401217222214},{"text":"We when we sort of look at investments, we kind of break it down into this growth and defensive investment classes.","start":2249.6702,"end":2255.37,"sentiment":"neutral","sentiment_score":-0.07490310356730506},{"text":"So we would need to sort of split your portfolio up a little bit differently to go the aggressive because aggressive a 100% growth investments.","start":2255.4302,"end":2263.085,"sentiment":"neutral","sentiment_score":0.13959971487522124},{"text":"There's no defensive investments in there at all.","start":2263.085,"end":2265.585,"sentiment":"neutral","sentiment_score":0.07059470191597939},{"text":"What I would probably look at doing is maybe just adding some active investment in there for you.","start":2266.365,"end":2272.065,"sentiment":"neutral","sentiment_score":0.2447116192844179}],"sentiment":"neutral","sentiment_score":0.07579936392796345,"num_words":78,"start":2247.99,"end":2272.065},{"sentences":[{"text":"This is thinking about the different ways we could probably do that.","start":2275.23,"end":2278.53,"sentiment":"neutral","sentiment_score":0.20398853967587152},{"text":"I can have a look at how we could maybe look at doing that for you and see if it's possible within the different yeah.","start":2278.6702,"end":2285.71,"sentiment":"neutral","sentiment_score":0.22519649896770716},{"text":"Yeah.","start":2285.71,"end":2285.95,"sentiment":"neutral","sentiment_score":-0.004322823137044907},{"text":"No.","start":2285.95,"end":2286.19,"sentiment":"neutral","sentiment_score":-0.15559227764606476},{"text":"Absolutely.","start":2286.19,"end":2286.69,"sentiment":"neutral","sentiment_score":-0.08918555825948715}],"sentiment":"neutral","sentiment_score":0.1957168572815135,"num_words":40,"start":2275.23,"end":2286.69},{"sentences":[{"text":"Yeah.","start":2289.525,"end":2289.845,"sentiment":"neutral","sentiment_score":-0.0822335034608841},{"text":"No.","start":2289.845,"end":2290.345,"sentiment":"negative","sentiment_score":-0.3584781885147095},{"text":"Yeah.","start":2291.925,"end":2292.425,"sentiment":"neutral","sentiment_score":-0.07082760334014893},{"text":"Okay.","start":2294.9648,"end":2295.4648,"sentiment":"neutral","sentiment_score":0.016869861632585526},{"text":"Yep.","start":2295.765,"end":2296.265,"sentiment":"neutral","sentiment_score":0.07654465734958649}],"sentiment":"neutral","sentiment_score":-0.0836249552667141,"num_words":5,"start":2289.525,"end":2296.265},{"sentences":[{"text":"Yeah.","start":2300.165,"end":2300.665,"sentiment":"neutral","sentiment_score":0.051374513655900955},{"text":"Yeah.","start":2304.4,"end":2304.9,"sentiment":"neutral","sentiment_score":0.12880632281303406},{"text":"Wow.","start":2308.0798,"end":2308.5798,"sentiment":"positive","sentiment_score":0.39921703934669495},{"text":"Yep.","start":2312.3198,"end":2312.5598,"sentiment":"neutral","sentiment_score":0.1362498253583908},{"text":"Yep.","start":2312.5598,"end":2313.0598,"sentiment":"neutral","sentiment_score":0.09623134136199953}],"sentiment":"neutral","sentiment_score":0.16237580850720407,"num_words":5,"start":2300.165,"end":2313.0598},{"sentences":[{"text":"Mhmm.","start":2322.2449,"end":2322.7449,"sentiment":"neutral","sentiment_score":0.088507279753685},{"text":"Yep.","start":2323.285,"end":2323.785,"sentiment":"neutral","sentiment_score":0.07989823818206787},{"text":"Yeah.","start":2327.86,"end":2328.36,"sentiment":"neutral","sentiment_score":0.07292238622903824},{"text":"It 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do it that way, we would have to separate it into two two separate accounts.","start":2363.925,"end":2367.445,"sentiment":"neutral","sentiment_score":0.06209337478503585},{"text":"They wouldn't be able to structure in one account that way.","start":2367.445,"end":2369.925,"sentiment":"negative","sentiment_score":-0.3340205739844929},{"text":"So when we're looking at the portfolios, we look at your risk profile and we structure the growth in defensive assets so that your overall and total risk profile doesn't exceed that eighty twenty split or, you know, we have, like, a 10% variance either side of that for you to allow for changes in market conditions and investment pricing.","start":2369.925,"end":2387.88,"sentiment":"neutral","sentiment_score":0.00029340911035736415}],"sentiment":"neutral","sentiment_score":-0.02657768404467052,"num_words":89,"start":2362.34,"end":2387.88},{"sentences":[{"text":"The way you're sort of talking about doing that would be great, but we would need to have it separated significantly because one would be taking on a lot more risk than the other, and that could change your overarching risk profile because you're sort of saying one be really aggressive, the other one be quite safe and lower risk and more defensive of nature.","start":2388.74,"end":2408.99,"sentiment":"neutral","sentiment_score":-0.059047601773188664},{"text":"Down the track, we could definitely look at maybe doing it that way for you, but the way we would have to split that would make it a lot more expensive as well because you'd have to split it.","start":2410.09,"end":2418.865,"sentiment":"neutral","sentiment_score":0.0019196363595815806},{"text":"You have two lots of administration fees and things like that.","start":2418.865,"end":2421.825,"sentiment":"neutral","sentiment_score":-0.09567553820935162},{"text":"So down the track, we could maybe look at splitting and doing it that way for you.","start":2421.825,"end":2426.145,"sentiment":"neutral","sentiment_score":0.08540811521165512},{"text":"For now, I'd probably just, with the balance you have, stick with the growth portfolio, look at the make sure the overarching is within that range and sort of see how we go to start with.","start":2426.145,"end":2436.3,"sentiment":"neutral","sentiment_score":0.20178940312729943}],"sentiment":"neutral","sentiment_score":0.023218436033598015,"num_words":168,"start":2388.74,"end":2436.3},{"sentences":[{"text":"Make sure your contributions start coming in.","start":2437.08,"end":2439.24,"sentiment":"positive","sentiment_score":0.4289424419403076},{"text":"Make sure it starts getting that sustainable growth, and then we look at maybe how we split that.","start":2439.24,"end":2444.84,"sentiment":"positive","sentiment_score":0.3697092897362179},{"text":"And we also look at down the track, maybe looking at investing outside of super, so we might take a bit more risk on the stuff inside super and a little bit less risk outside of super, but structure it so it's all within that sort of portfolio effect for you.","start":2444.84,"end":2460.185,"sentiment":"neutral","sentiment_score":0.21639597065308513},{"text":"It's not not completely undoable.","start":2460.3252,"end":2462.62,"sentiment":"neutral","sentiment_score":0.06729501262307166},{"text":"It can be done.","start":2462.6802,"end":2463.72,"sentiment":"neutral","sentiment_score":0.17611105367541313}],"sentiment":"neutral","sentiment_score":0.25569974223480507,"num_words":85,"start":2437.08,"end":2463.72},{"sentences":[{"text":"It's just about making sure it's gonna fit with your goals and understand where we're comfortable taking that extra risk and where we're not comfortable doing that, if that makes sense.","start":2463.72,"end":2472.06,"sentiment":"neutral","sentiment_score":0.03704551342994936},{"text":"Yeah.","start":2473.8,"end":2474.3,"sentiment":"neutral","sentiment_score":0.04066649079322815},{"text":"Yeah.","start":2475.325,"end":2475.825,"sentiment":"neutral","sentiment_score":0.08054253458976746},{"text":"Yeah.","start":2476.845,"end":2477.345,"sentiment":"neutral","sentiment_score":0.11846188455820084},{"text":"Yeah.","start":2477.885,"end":2478.385,"sentiment":"neutral","sentiment_score":0.1427392065525055}],"sentiment":"neutral","sentiment_score":0.04373774379491806,"num_words":35,"start":2463.72,"end":2478.385},{"sentences":[{"text":"That's 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can.","start":2576.9648,"end":2577.7048,"sentiment":"neutral","sentiment_score":0.2275322824716568},{"text":"There are speculations around doing it, though.","start":2577.845,"end":2579.765,"sentiment":"neutral","sentiment_score":0.059772992240531106},{"text":"So with the kind of structures with the way your CV is structured at the moment and with retail funds that we tend to look at with the type of balance you have, you can't until you hit the retirement ages.","start":2579.765,"end":2590.0698,"sentiment":"neutral","sentiment_score":0.10101013189954001},{"text":"However, if you're down the track, we're able to had enough of a balance and could look at something like a stock and a super fund, then you can do that.","start":2590.21,"end":2597.43,"sentiment":"neutral","sentiment_score":0.21548510174597463}],"sentiment":"neutral","sentiment_score":0.1449087748485731,"num_words":82,"start":2576.565,"end":2597.43},{"sentences":[{"text":"The only downside is you can't withdraw the funds, buy a property, and live in the property.","start":2597.49,"end":2601.665,"sentiment":"neutral","sentiment_score":-0.14885400169912508},{"text":"It has to be.","start":2601.665,"end":2602.385,"sentiment":"neutral","sentiment_score":-0.13180004805326462},{"text":"There's a lot of regulations around what's called an arm's length transaction.","start":2602.385,"end":2606.405,"sentiment":"neutral","sentiment_score":-0.07959979213774204},{"text":"So the idea of a super fund is that you're building wealth for the member for retirement.","start":2606.5452,"end":2611.7651,"sentiment":"neutral","sentiment_score":0.25208574752597246},{"text":"Can't sort of buy a property you live in at either the holiday home or rent it out for your own personal gain.","start":2612.34,"end":2617.24,"sentiment":"neutral","sentiment_score":0.06817563185873239}],"sentiment":"neutral","sentiment_score":0.025213445396456,"num_words":73,"start":2597.49,"end":2617.24},{"sentences":[{"text":"It's gotta be for the gain of the super fund.","start":2617.3,"end":2619.3801,"sentiment":"neutral","sentiment_score":0.13550377041101455},{"text":"But down the track, we can look at that.","start":2619.3801,"end":2621.24,"sentiment":"neutral","sentiment_score":0.11363178574376637},{"text":"Alternatively, we can also look at, you know, what you have in your own name as the kids get a bit older and look at investing outside of Super in different areas and looking at how we maybe leverage your current property and the equity you've made there to kind of help you get those tax rewards outside of Super as well.","start":2621.7002,"end":2638.81,"sentiment":"neutral","sentiment_score":0.2261155615410497},{"text":"So there are definitely things that we can do.","start":2638.81,"end":2641.3699,"sentiment":"positive","sentiment_score":0.38341646393140155},{"text":"I'd say we'll keep it simple for now.","start":2641.3699,"end":2643.21,"sentiment":"positive","sentiment_score":0.39779166504740715}],"sentiment":"neutral","sentiment_score":0.23499969476643873,"num_words":98,"start":2617.3,"end":2643.21},{"sentences":[{"text":"And then as things build, as things grow down the track, then we can look at everything as a whole with yourself and Reece and look at how we structure other investments and build wealth in other ways for you as well.","start":2643.21,"end":2653.525,"sentiment":"neutral","sentiment_score":0.29563877057461513},{"text":"Okay?","start":2653.585,"end":2654.085,"sentiment":"neutral","sentiment_score":0.14023903012275696},{"text":"Perfect.","start":2656.065,"end":2656.565,"sentiment":"positive","sentiment_score":0.4269912242889404},{"text":"Oh, yeah.","start":2660.625,"end":2661.365,"sentiment":"neutral","sentiment_score":-0.036312295123934746},{"text":"Yep.","start":2666.6401,"end":2667.1401,"sentiment":"neutral","sentiment_score":-0.008888466283679008}],"sentiment":"neutral","sentiment_score":0.2745222460002975,"num_words":47,"start":2643.21,"end":2667.1401},{"sentences":[{"text":"Yep.","start":2668.8801,"end":2669.3801,"sentiment":"neutral","sentiment_score":-0.03726732358336449},{"text":"Yep.","start":2678.895,"end":2679.395,"sentiment":"neutral","sentiment_score":0.035592131316661835},{"text":"Yes.","start":2682.975,"end":2683.475,"sentiment":"neutral","sentiment_score":0.13760869204998016},{"text":"Yep.","start":2683.775,"end":2684.275,"sentiment":"neutral","sentiment_score":0.12779906392097473},{"text":"Yes.","start":2693.9502,"end":2694.4502,"sentiment":"neutral","sentiment_score":0.16264668107032776}],"sentiment":"neutral","sentiment_score":0.085275848954916,"num_words":5,"start":2668.8801,"end":2694.4502},{"sentences":[{"text":"Yep.","start":2700.605,"end":2701.105,"sentiment":"neutral","sentiment_score":0.2977461814880371},{"text":"Yes.","start":2705.565,"end":2706.065,"sentiment":"neutral","sentiment_score":0.206163689494133},{"text":"Yep.","start":2706.925,"end":2707.425,"sentiment":"neutral","sentiment_score":0.21592557430267337},{"text":"Yep.","start":2713.5798,"end":2714.0598,"sentiment":"neutral","sentiment_score":0.15400052070617676},{"text":"Yeah.","start":2714.0598,"end":2714.46,"sentiment":"neutral","sentiment_score":0.2633187174797058}],"sentiment":"neutral","sentiment_score":0.2274309366941452,"num_words":5,"start":2700.605,"end":2714.46},{"sentences":[{"text":"Absolutely.","start":2714.46,"end":2714.96,"sentiment":"positive","sentiment_score":0.4263694286346435},{"text":"No.","start":2715.3398,"end":2715.5,"sentiment":"neutral","sentiment_score":0.3155418634414673},{"text":"That's perfect.","start":2715.5,"end":2716.0598,"sentiment":"positive","sentiment_score":0.5931212902069092},{"text":"We can definitely help you in those areas.","start":2716.0598,"end":2717.9,"sentiment":"positive","sentiment_score":0.7583848834037781},{"text":"I'll put that down as some medium term goals there for you as well.","start":2717.9,"end":2720.94,"sentiment":"positive","sentiment_score":0.5489831822259086}],"sentiment":"positive","sentiment_score":0.6031152881108798,"num_words":26,"start":2714.46,"end":2720.94},{"sentences":[{"text":"That's fantastic.","start":2720.94,"end":2721.68,"sentiment":"positive","sentiment_score":0.8375581502914429},{"text":"The other thing I need to touch base on is the insurance side of things.","start":2723.195,"end":2726.155,"sentiment":"neutral","sentiment_score":0.10713484808802605},{"text":"So I can see within your current super fund there, you do have a bit of life and TBD.","start":2726.155,"end":2730.575,"sentiment":"neutral","sentiment_score":0.05723411207528491},{"text":"The current sum in towards that 229,160.","start":2730.715,"end":2734.975,"sentiment":"neutral","sentiment_score":0.04353505452828748},{"text":"Paying about $247 on a yearly basis with that.","start":2735.6602,"end":2739.4402,"sentiment":"neutral","sentiment_score":0.048285203675429024}],"sentiment":"neutral","sentiment_score":0.09824806473289545,"num_words":52,"start":2720.94,"end":2739.4402},{"sentences":[{"text":"Is your life and TPD important to you?","start":2739.74,"end":2741.98,"sentiment":"neutral","sentiment_score":0.04178339196369052},{"text":"Are you wanting to keep insurances?","start":2741.98,"end":2743.4402,"sentiment":"neutral","sentiment_score":-0.005408733307073514},{"text":"What are your thoughts around them, and do you understand what they pay out?","start":2743.58,"end":2747.12,"sentiment":"neutral","sentiment_score":-0.044767480343580246},{"text":"That's okay.","start":2752.475,"end":2753.295,"sentiment":"neutral","sentiment_score":-0.09434976428747177},{"text":"Yeah.","start":2756.875,"end":2757.375,"sentiment":"neutral","sentiment_score":-0.025845009833574295}],"sentiment":"neutral","sentiment_score":-0.01740240410811478,"num_words":31,"start":2739.74,"end":2757.375},{"sentences":[{"text":"Yes.","start":2758.555,"end":2759.055,"sentiment":"neutral","sentiment_score":-0.00980451423674822},{"text":"Yep.","start":2771.05,"end":2771.385,"sentiment":"neutral","sentiment_score":-0.03081881627440453},{"text":"That's okay.","start":2774.905,"end":2775.725,"sentiment":"neutral","sentiment_score":0.12435173988342285},{"text":"Yep.","start":2779.065,"end":2779.565,"sentiment":"neutral","sentiment_score":0.057600896805524826},{"text":"Yeah.","start":2779.625,"end":2780.125,"sentiment":"neutral","sentiment_score":0.0560719296336174}],"sentiment":"neutral","sentiment_score":0.0536254959491392,"num_words":6,"start":2758.555,"end":2780.125},{"sentences":[{"text":"Absolutely.","start":2781.225,"end":2781.725,"sentiment":"neutral","sentiment_score":0.0764540582895279},{"text":"Yep.","start":2789.16,"end":2789.66,"sentiment":"neutral","sentiment_score":0.043057527393102646},{"text":"Yep.","start":2790.8398,"end":2791.3398,"sentiment":"neutral","sentiment_score":0.016758248209953308},{"text":"Yep.","start":2793.0798,"end":2793.5798,"sentiment":"neutral","sentiment_score":0.03427942097187042},{"text":"Perfect.","start":2795.24,"end":2795.74,"sentiment":"neutral","sentiment_score":0.12796548008918762}],"sentiment":"neutral","sentiment_score":0.05970294699072838,"num_words":5,"start":2781.225,"end":2795.74},{"sentences":[{"text":"Yes.","start":2798.125,"end":2798.625,"sentiment":"neutral","sentiment_score":0.025654736906290054},{"text":"A different story.","start":2799.085,"end":2800.1448,"sentiment":"neutral","sentiment_score":-0.05371048922340075},{"text":"Yeah.","start":2800.765,"end":2801.265,"sentiment":"neutral","sentiment_score":-0.030857250094413757},{"text":"Yeah.","start":2803.2449,"end":2803.7449,"sentiment":"neutral","sentiment_score":0.007970841601490974},{"text":"Absolutely.","start":2804.2048,"end":2804.7048,"sentiment":"neutral","sentiment_score":-0.003867756575345993}],"sentiment":"neutral","sentiment_score":-0.02317584226174014,"num_words":7,"start":2798.125,"end":2804.7048},{"sentences":[{"text":"Definitely.","start":2808.845,"end":2809.345,"sentiment":"neutral","sentiment_score":-0.022147178649902344},{"text":"And what's one of the biggest things or the biggest risk with insurances is that you pay all the premiums that you never actually make a claim and you end up canceling or they just, you know, run out when they expire, essentially.","start":2809.6448,"end":2820.52,"sentiment":"neutral","sentiment_score":-0.1903396678525348},{"text":"However, there are quite a lot of people who don't have any types of cover and then come to find something has happened.","start":2821.22,"end":2826.82,"sentiment":"neutral","sentiment_score":-0.1526038381068603},{"text":"It's, you know, technically, a one or 2% chance that something's gonna happen, you're gonna make a claim.","start":2826.82,"end":2831.185,"sentiment":"neutral","sentiment_score":-0.11230402770969602},{"text":"However, most people that do make a claim, you know, have had either not enough insurances, haven't really thought anything about it, or don't have any at all.","start":2831.185,"end":2839.365,"sentiment":"negative","sentiment_score":-0.4584007742149489}],"sentiment":"neutral","sentiment_score":-0.23516225973061755,"num_words":113,"start":2808.845,"end":2839.365},{"sentences":[{"text":"It can make life very, very difficult for them.","start":2839.825,"end":2842.405,"sentiment":"negative","sentiment_score":-0.5997690094841851},{"text":"With insurances, are you sort of focused around looking at the keeping a level of cover that you want and making sure it's as cheap as possible, or are you wanting kind of the best cover you can get with the best benefits for what you're paying for?","start":2842.97,"end":2856.3499,"sentiment":"neutral","sentiment_score":0.032917924070109926},{"text":"Mhmm.","start":2858.945,"end":2859.445,"sentiment":"neutral","sentiment_score":-0.006093721836805344},{"text":"Yep.","start":2867.745,"end":2868.245,"sentiment":"neutral","sentiment_score":0.15493470430374146},{"text":"Yep.","start":2870.4,"end":2870.9,"sentiment":"positive","sentiment_score":0.4098348617553711}],"sentiment":"neutral","sentiment_score":-0.05431974809616804,"num_words":60,"start":2839.825,"end":2870.9},{"sentences":[{"text":"Okay.","start":2872.8,"end":2873.3,"sentiment":"neutral","sentiment_score":0.046101637184619904},{"text":"Yeah.","start":2883.215,"end":2883.715,"sentiment":"neutral","sentiment_score":-0.0792514905333519},{"text":"Yes.","start":2888.415,"end":2888.915,"sentiment":"neutral","sentiment_score":0.01103377528488636},{"text":"Yes.","start":2894.83,"end":2895.33,"sentiment":"neutral","sentiment_score":0.13682511448860168},{"text":"Yep.","start":2910.845,"end":2911.345,"sentiment":"neutral","sentiment_score":0.21487900614738464}],"sentiment":"neutral","sentiment_score":0.06591760851442814,"num_words":5,"start":2872.8,"end":2911.345},{"sentences":[{"text":"Yeah.","start":2912.125,"end":2912.625,"sentiment":"neutral","sentiment_score":0.0449848473072052},{"text":"Yep.","start":2913.4849,"end":2913.9849,"sentiment":"neutral","sentiment_score":0.11249053478240968},{"text":"Yep.","start":2918.06,"end":2918.54,"sentiment":"neutral","sentiment_score":0.2134016454219818},{"text":"Perfect.","start":2918.54,"end":2919.04,"sentiment":"positive","sentiment_score":0.4744792580604553},{"text":"So look at maybe increasing your last cover to half 1,000,000 to cover the mortgage.","start":2919.26,"end":2923.58,"sentiment":"neutral","sentiment_score":0.18420970936616263}],"sentiment":"neutral","sentiment_score":0.18992115400339427,"num_words":19,"start":2912.125,"end":2923.58},{"sentences":[{"text":"Because the mortgage I've got down here is 520,000.","start":2923.58,"end":2926.8801,"sentiment":"neutral","sentiment_score":0.03491601844628652},{"text":"Sorry.","start":2931.035,"end":2931.535,"sentiment":"neutral","sentiment_score":-0.07001569867134094},{"text":"You're alright.","start":2932.2349,"end":2933.055,"sentiment":"neutral","sentiment_score":-0.04741372913122177},{"text":"That's okay.","start":2937.9949,"end":2938.815,"sentiment":"neutral","sentiment_score":-0.21448180079460144},{"text":"Okay.","start":2946.97,"end":2947.47,"sentiment":"neutral","sentiment_score":0.10398569703102112}],"sentiment":"neutral","sentiment_score":-0.011705126365025837,"num_words":15,"start":2923.58,"end":2947.47},{"sentences":[{"text":"Yep.","start":2947.93,"end":2948.4102,"sentiment":"neutral","sentiment_score":0.16605736315250397},{"text":"Perfect.","start":2948.4102,"end":2948.81,"sentiment":"positive","sentiment_score":0.5032367706298828},{"text":"So you're happy to just maybe increase your life cover up.","start":2948.81,"end":2951.45,"sentiment":"positive","sentiment_score":0.5124792925674807},{"text":"So if in the event that you were to pass away, the life insurance would pay out the mortgage completely, but then maybe have your suit benefit paid out on top of that to give Reece some additional buffer.","start":2951.45,"end":2961.605,"sentiment":"neutral","sentiment_score":0.08237186036048791},{"text":"Would that be a comfortable amount for you?","start":2961.605,"end":2963.705,"sentiment":"neutral","sentiment_score":0.15135151986032724}],"sentiment":"neutral","sentiment_score":0.178831351082772,"num_words":60,"start":2947.93,"end":2963.705},{"sentences":[{"text":"Yep.","start":2966.28,"end":2966.52,"sentiment":"neutral","sentiment_score":-0.06607877463102341},{"text":"Yep.","start":2966.52,"end":2966.84,"sentiment":"neutral","sentiment_score":0.13060593605041504},{"text":"Beautiful.","start":2966.84,"end":2967.32,"sentiment":"positive","sentiment_score":0.5733455419540405},{"text":"We can do that.","start":2967.32,"end":2968.12,"sentiment":"positive","sentiment_score":0.48117315024137497},{"text":"Now with TPD, it's totally permanently disabled.","start":2968.12,"end":2970.94,"sentiment":"neutral","sentiment_score":0.006324602690126214}],"sentiment":"neutral","sentiment_score":0.1862026802264154,"num_words":14,"start":2966.28,"end":2970.94},{"sentences":[{"text":"Essentially, TPD pays out a lump sum or an income stream depending on how you take the funds in the event that you're never able to go back to work again.","start":2971.0,"end":2978.78,"sentiment":"neutral","sentiment_score":-0.001950257442771427},{"text":"They look at any occupation for which you're trained, educated, or have worked.","start":2979.315,"end":2983.175,"sentiment":"neutral","sentiment_score":0.005150149325625255},{"text":"It is a very hard definition to pay on.","start":2983.315,"end":2985.7148,"sentiment":"negative","sentiment_score":-0.3868236475520664},{"text":"The kicker with TBD is that if you're 60, you do pay tax on the payout.","start":2985.7148,"end":2990.355,"sentiment":"neutral","sentiment_score":-0.024317790754139423},{"text":"It is up to 22%, and there's a fund math equation that sort of helps us understand what the taxable component is.","start":2990.355,"end":2997.05,"sentiment":"neutral","sentiment_score":0.11776138842105865}],"sentiment":"neutral","sentiment_score":-0.01399179092598158,"num_words":91,"start":2971.0,"end":2997.05},{"sentences":[{"text":"The older you get, the closer you get to 60.","start":2997.75,"end":3000.41,"sentiment":"neutral","sentiment_score":0.014498423039913177},{"text":"Often, the the taxable amount does decrease, so it is better to be older.","start":3000.47,"end":3004.755,"sentiment":"neutral","sentiment_score":0.02706397244972842},{"text":"And if you were to claim TPD after the age of 60, it is all completely tax free.","start":3004.835,"end":3008.835,"sentiment":"neutral","sentiment_score":0.3195368606183264},{"text":"So it's not an issue at all.","start":3008.835,"end":3010.4548,"sentiment":"neutral","sentiment_score":0.31375649145671297},{"text":"One of the big things with TPD is most people you are still living, so your regular living expenses still continue to have to be paid.","start":3010.9949,"end":3017.6348,"sentiment":"neutral","sentiment_score":0.12058580079330848}],"sentiment":"neutral","sentiment_score":0.15476092795530955,"num_words":75,"start":2997.75,"end":3017.6348},{"sentences":[{"text":"You still gotta feed yourself, often look after medical expenses, rehabilitation, sometimes, you know, trying to repair or make repairs to the home, plus the mortgage.","start":3017.6348,"end":3027.2998,"sentiment":"neutral","sentiment_score":0.051176985152638875},{"text":"With your, say, TBD cover, are you just wanting to maybe make sure you have the same amount as your life cover?","start":3028.3198,"end":3033.5999,"sentiment":"neutral","sentiment_score":0.1382505422966047},{"text":"So in the event of a claim and keeping in mind, if you did have to claim on TBD, we're as advisers do provide advice on how we can minimize the tax consequences for you as much as possible, and we help you with the claim as well.","start":3033.5999,"end":3046.855,"sentiment":"neutral","sentiment_score":0.24475831895445785},{"text":"So we obviously don't want you to have to pay a huge amount in tax, and we'll do everything we can to advise the right way to limit that for you.","start":3046.855,"end":3055.0898,"sentiment":"neutral","sentiment_score":0.03324464516293618},{"text":"But do you think you would be comfortable with just that the same amount as life, or do you think you might wanna gross that up to take into effect the possible tax consequences to give you a higher benefit.","start":3055.7898,"end":3067.595,"sentiment":"neutral","sentiment_score":0.06383133195340633}],"sentiment":"neutral","sentiment_score":0.11799012055386326,"num_words":167,"start":3017.6348,"end":3067.595},{"sentences":[{"text":"What do you think you might wanna be covered for, TBD wise?","start":3067.595,"end":3070.575,"sentiment":"neutral","sentiment_score":0.012015375774353743},{"text":"Mhmm.","start":3079.37,"end":3079.87,"sentiment":"neutral","sentiment_score":-0.024594243615865707},{"text":"Yep.","start":3081.1301,"end":3081.6301,"sentiment":"neutral","sentiment_score":0.002567342249676585},{"text":"Do you want me to look at both options for you and look at the most the most effective way making sure that your soup is gonna provide growth for you?","start":3086.57,"end":3094.025,"sentiment":"neutral","sentiment_score":0.11011916591275123},{"text":"Yeah?","start":3094.025,"end":3094.525,"sentiment":"neutral","sentiment_score":0.05475030094385147}],"sentiment":"neutral","sentiment_score":0.07805656635141729,"num_words":46,"start":3067.595,"end":3094.525},{"sentences":[{"text":"Yep.","start":3096.265,"end":3096.765,"sentiment":"neutral","sentiment_score":0.13001596927642822},{"text":"Perfect.","start":3098.025,"end":3098.525,"sentiment":"positive","sentiment_score":0.520922064781189},{"text":"Yep.","start":3099.145,"end":3099.645,"sentiment":"positive","sentiment_score":0.34198126196861267},{"text":"Yep.","start":3105.4,"end":3105.7998,"sentiment":"neutral","sentiment_score":0.15547582507133484},{"text":"Perfect.","start":3105.7998,"end":3106.2,"sentiment":"positive","sentiment_score":0.41180092096328735}],"sentiment":"neutral","sentiment_score":0.3120392084121704,"num_words":5,"start":3096.265,"end":3106.2},{"sentences":[{"text":"What what I'll do is I'll look at both of them for you.","start":3106.2,"end":3108.5999,"sentiment":"neutral","sentiment_score":0.2225693200643246},{"text":"I'll make a recommendation one way or another, and then the other option I'll put in the appendix so you can see both options, but you can also see the way I've gone with that recommendation for you.","start":3108.5999,"end":3118.275,"sentiment":"neutral","sentiment_score":0.18557668555723994},{"text":"Sound okay?","start":3118.275,"end":3119.015,"sentiment":"neutral","sentiment_score":0.15157683193683624},{"text":"Yep.","start":3119.715,"end":3120.215,"sentiment":"neutral","sentiment_score":0.22840318083763125},{"text":"Beautiful.","start":3120.275,"end":3120.775,"sentiment":"positive","sentiment_score":0.6249433159828186}],"sentiment":"neutral","sentiment_score":0.2018511885946447,"num_words":55,"start":3106.2,"end":3120.775},{"sentences":[{"text":"I'll also make it so that life so one of the ways to make the insurances more cost effective for you is to grow so the life can match the TPD so we can link them together because you get a multi policy discount.","start":3121.635,"end":3131.875,"sentiment":"positive","sentiment_score":0.3369469029659575},{"text":"So if I recommend that we, you know, cover the tax for the TPD and grow it up, I'll also gross up the life benefit to match it so that we're trying to limit the amount of premiums you have to pay.","start":3131.875,"end":3143.1501,"sentiment":"neutral","sentiment_score":0.2065022617933296},{"text":"But it also means if you if we go that way and you would have passed away, then resales get a higher benefit to support too.","start":3143.4502,"end":3150.875,"sentiment":"neutral","sentiment_score":0.06616160216239783},{"text":"So are you comfortable with that?","start":3150.875,"end":3152.655,"sentiment":"neutral","sentiment_score":0.04265846870839596},{"text":"Yeah.","start":3154.3152,"end":3154.8152,"sentiment":"neutral","sentiment_score":0.2958556115627289}],"sentiment":"neutral","sentiment_score":0.2165610655954405,"num_words":119,"start":3121.635,"end":3154.8152},{"sentences":[{"text":"Excellent.","start":3155.435,"end":3155.935,"sentiment":"positive","sentiment_score":0.4313270449638366},{"text":"Now the other thing I can see here is with income protection.","start":3156.635,"end":3159.215,"sentiment":"neutral","sentiment_score":-0.024912753142416477},{"text":"You don't have any income protection at the moment.","start":3159.5151,"end":3161.855,"sentiment":"neutral","sentiment_score":-0.18824494216177198},{"text":"It looks like you may have had some in the past that's kind of because no contributions are sort of gone in for a while, it looks like that's probably dissipated.","start":3162.35,"end":3170.1301,"sentiment":"neutral","sentiment_score":-0.20993249839352024},{"text":"I know you are, as a casual worker, putting some money away to cover yourself in the event of taking annual leave and things like that.","start":3171.23,"end":3177.825,"sentiment":"neutral","sentiment_score":0.007875337122151485}],"sentiment":"neutral","sentiment_score":-0.09955669819271262,"num_words":79,"start":3155.435,"end":3177.825},{"sentences":[{"text":"Did you wanna look at income protection, or are you sorta happy just with the life and 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those?","start":3252.02,"end":3255.14,"sentiment":"neutral","sentiment_score":0.13851255178451538}],"sentiment":"neutral","sentiment_score":0.16646747466395884,"num_words":17,"start":3245.94,"end":3255.14},{"sentences":[{"text":"Do you know if it's up to your head at all?","start":3255.14,"end":3261.3315,"sentiment":"neutral","sentiment_score":0.03081658465618437},{"text":"Mhmm.","start":3261.845,"end":3262.345,"sentiment":"neutral","sentiment_score":0.010740214958786964},{"text":"Yep.","start":3266.885,"end":3267.385,"sentiment":"neutral","sentiment_score":0.028352124616503716},{"text":"Yep.","start":3273.35,"end":3273.85,"sentiment":"neutral","sentiment_score":0.026966329663991928},{"text":"Okay.","start":3282.4048,"end":3282.9048,"sentiment":"neutral","sentiment_score":0.15445736050605774}],"sentiment":"neutral","sentiment_score":0.037299897397557895,"num_words":15,"start":3255.14,"end":3282.9048},{"sentences":[{"text":"Beautiful.","start":3284.005,"end":3284.505,"sentiment":"positive","sentiment_score":0.49133557081222534},{"text":"Lovely.","start":3284.7249,"end":3285.125,"sentiment":"positive","sentiment_score":0.5551003217697144},{"text":"Thank you for updating up there for me.","start":3285.125,"end":3286.885,"sentiment":"positive","sentiment_score":0.6249604001641273},{"text":"Fantastic.","start":3286.885,"end":3287.385,"sentiment":"positive","sentiment_score":0.5050486326217651},{"text":"So I'll just look at the license TBD component, look at the best way to sort of structure that so that it's not costing you a crazy amount in the way of premiums, but you're also getting the benefit of making sure that if the event of a claim, that you are able to cover the things that you wanna cover.","start":3287.4448,"end":3300.8298,"sentiment":"neutral","sentiment_score":0.30545756904805293}],"sentiment":"positive","sentiment_score":0.3497788810895549,"num_words":72,"start":3284.005,"end":3300.8298},{"sentences":[{"text":"With your life insurance there as well, it's also important to factor in the estate planning side of things and what you want to happen.","start":3301.45,"end":3307.615,"sentiment":"neutral","sentiment_score":0.12048494815826416},{"text":"I can't see a note on here about any beneficiaries there, but most of the time when it comes to our life and our super, if we were to pass away, you want everything to go to race so he can continue paying the bills, pay the mortgage, look after your family.","start":3307.615,"end":3320.91,"sentiment":"neutral","sentiment_score":0.03599172046121497},{"text":"Is that right?","start":3320.91,"end":3321.73,"sentiment":"neutral","sentiment_score":0.06945879260698955},{"text":"Yep.","start":3323.55,"end":3323.8699,"sentiment":"neutral","sentiment_score":0.27818068861961365},{"text":"Beautiful.","start":3323.8699,"end":3324.27,"sentiment":"positive","sentiment_score":0.5694239139556885}],"sentiment":"neutral","sentiment_score":0.07243505058946406,"num_words":82,"start":3301.45,"end":3324.27},{"sentences":[{"text":"And have you guys spoken about drawing up a will power of attorney?","start":3324.27,"end":3327.23,"sentiment":"neutral","sentiment_score":0.10052627267745826},{"text":"I know I kinda spoke to Reece about that the other day, and we sent through the information on the solicitors to him.","start":3327.23,"end":3332.845,"sentiment":"neutral","sentiment_score":0.010146456973060318},{"text":"Did you guys get that email, and have you had that conversation about drawing up a will and power of attorney and things like 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a problem at all.","start":3386.755,"end":3387.635,"sentiment":"positive","sentiment_score":0.388694828748703},{"text":"We'll factor the estate planning size in there for you, and I'll recommend that the licensee the so the life policy and your super that they'll be sort of paid to raise in the event of that, you know, the the event of you passing away prematurely.","start":3387.635,"end":3401.7698,"sentiment":"neutral","sentiment_score":0.2855753847893248},{"text":"And I'll make sure that's all included in the advice document for you.","start":3403.0298,"end":3406.25,"sentiment":"neutral","sentiment_score":0.2621031082593478},{"text":"That's basically everything I need to be able to go and have a look at everything.","start":3406.7898,"end":3410.39,"sentiment":"neutral","sentiment_score":0.23591538309119642},{"text":"I'm looking at super now for you and factoring the estate planning sides of 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when when you are ready, feel free to let us know because we do have mortgage brokers we can refer you through to.","start":3551.9202,"end":3557.44,"sentiment":"neutral","sentiment_score":0.12490547200043996}],"sentiment":"neutral","sentiment_score":0.12342942539336425,"num_words":28,"start":3544.305,"end":3557.44},{"sentences":[{"text":"It's all free of charge to yourself, and they can always talk to you about what your mortgage looks like, what's the borrowing capacity, and see what they can certainly do to help.","start":3557.44,"end":3565.455,"sentiment":"neutral","sentiment_score":0.1712661697105928},{"text":"So when you are ready for that, let me know.","start":3565.455,"end":3567.695,"sentiment":"neutral","sentiment_score":0.11809810698032379},{"text":"Okay?","start":3567.695,"end":3568.195,"sentiment":"neutral","sentiment_score":0.146681547164917},{"text":"Oh, 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have just another five minutes so I can transfer you through to Maddie?","start":3643.5452,"end":3646.2651,"sentiment":"neutral","sentiment_score":0.03572409581393003},{"text":"She's gonna complete the health questionnaire for me, and then I can go back and do that research for you.","start":3646.2651,"end":3650.585,"sentiment":"neutral","sentiment_score":0.11252583237364888},{"text":"Is that okay?","start":3650.585,"end":3651.405,"sentiment":"neutral","sentiment_score":0.1261709158619245}],"sentiment":"neutral","sentiment_score":0.05859322723296314,"num_words":101,"start":3628.1301,"end":3651.405},{"sentences":[{"text":"Fantastic.","start":3653.4202,"end":3653.9202,"sentiment":"positive","sentiment_score":0.711358904838562},{"text":"I'll put you on a brief hold.","start":3654.2202,"end":3655.26,"sentiment":"positive","sentiment_score":0.3923562892845699},{"text":"I'll send you through to 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okay.","start":3674.055,"end":3676.955,"sentiment":"neutral","sentiment_score":-0.018575791269540787},{"text":"Not a problem.","start":3677.655,"end":3678.215,"sentiment":"positive","sentiment_score":0.339612752199173},{"text":"I promise.","start":3678.215,"end":3678.695,"sentiment":"positive","sentiment_score":0.4892395883798599}],"sentiment":"neutral","sentiment_score":0.09038817018947819,"num_words":55,"start":3660.62,"end":3678.695},{"sentences":[{"text":"I love this stuff.","start":3678.695,"end":3679.74,"sentiment":"positive","sentiment_score":0.8323274850845337},{"text":"I'm probably the happiest person who ever talked to about super insurance and estate planning.","start":3679.9,"end":3683.66,"sentiment":"positive","sentiment_score":0.6713960965474447},{"text":"So I'll go back I'll go back and do all the research there for you.","start":3683.66,"end":3687.98,"sentiment":"positive","sentiment_score":0.5835773229599},{"text":"I'll generate a plan.","start":3687.98,"end":3689.28,"sentiment":"positive","sentiment_score":0.43598221987485886},{"text":"What I'll do is once Maddie's done the pre assessment with the with you, I'll get her to book you in for in two weeks time, and we'll have the advice ready to go, and we can go through that together.","start":3689.58,"end":3697.965,"sentiment":"positive","sentiment_score":0.3928358329505455}],"sentiment":"positive","sentiment_score":0.5063811299167101,"num_words":79,"start":3678.695,"end":3697.965},{"sentences":[{"text":"Okay?","start":3698.105,"end":3698.605,"sentiment":"neutral","sentiment_score":0.3001514673233032},{"text":"Beautiful.","start":3700.2651,"end":3700.7651,"sentiment":"positive","sentiment_score":0.7407341003417969},{"text":"My pleasure.","start":3701.625,"end":3702.2651,"sentiment":"positive","sentiment_score":0.7410582304000854},{"text":"Thank you for your time, Elise.","start":3702.2651,"end":3703.385,"sentiment":"positive","sentiment_score":0.7190073430538177},{"text":"I'll send it through to Maddie, and I'll get stuck I'll get stuck into the research for you.","start":3703.385,"end":3707.405,"sentiment":"positive","sentiment_score":0.44070818689134383}],"sentiment":"positive","sentiment_score":0.5274926232440131,"num_words":28,"start":3698.105,"end":3707.405},{"sentences":[{"text":"Thanks.","start":3709.01,"end":3709.33,"sentiment":"positive","sentiment_score":0.5739846229553223},{"text":"No worries.","start":3709.33,"end":3709.81,"sentiment":"neutral","sentiment_score":0.16051744669675827},{"text":"Won't be a moment.","start":3709.81,"end":3710.8699,"sentiment":"neutral","sentiment_score":0.04774760827422142}],"sentiment":"neutral","sentiment_score":0.15514427849224635,"num_words":7,"start":3709.01,"end":3710.8699}]}}]},{"alternatives":[{"transcript":"If you record your name and reason for calling, I'll see if this person is available. Thanks. Dana Oke. Please stay on the line. Hello. Elise speaking. Good. Thanks, Dana. How are you? Yes. Absolutely. Yeah. Not too bad. Yep. Go ahead. Yep. Yep. 06/20/1989. I mean, ideally, by mid sixties, you'd wanna be part time at most. And then by the end of, like, going into your seventies, if if still wanting to work, can but don't have to. I actually haven't because who can predict what it's gonna cost to actually live in the next five years alone? Like, how many wars can we have that will just drive up the cost of absolutely everything? I mean, I honestly I honestly couldn't have predicted that life was gonna get more expensive this year by the rate that it has. And I do wonder how much longer it's gonna get really sky high for. Like, are we looking at another two to three years of it just growing and then it might level out for a little bit? Who knows? Yep. Correct. Yeah. I have no idea why it is under that, but yes. Yes. It is. I think it's something to do with the ATO. For some bizarre reason at the ATO, even though I've legally changed my name and I'm fairly sure I've put it in with them, I'm still down as a Bulger. Yes. On my driver's license, all my bank cards, my Medicare. It's not on my passport because I haven't renewed my passport, but I will be doing that at, hopefully, some stage this year. Yep. Beautiful. I'm hoping to average out at eighteen. As I said to Maddie last week, I am a casual, so it can be dependent on the work that's coming in and and also my availability. So, obviously, over school holidays, I took a step back a little bit from work to look after the kids, but I'm hopeful to steady at 18. Some some weeks, I get way more. Some weeks, I get way less. So I think on average, if we go of an average of 18, I think we're looking pretty healthy. Correct. I believe you. I actually haven't I could have a look. Hold on. I could have a I I can have a look at last year's payslips. Hold on one second. I'll have a look at all final payslip for last year. What do we got here? Okay. So alright. It keeps scrolling back. I get paid weekly, so there's a lot of payslips to filter through here. Okay. So from the wellness studio in total last year, I was paid just a little bit over 13 k, so $13.00 $7.02. And I did have a job at I had another job. He hasn't paid my super either. The last week of the I finished up in, like, February, I reckon, at that job last year. So I'm just having a quick look. It's very you know, what's really difficult is I don't know if you have kids with childcare subsidies. They literally so they'll come out, I think it's, like, at the start of I reckon it's around April, May, and we'll say, oh, this is what we expect you to earn in the next the next year. And and it's very interesting because you're like, well, I don't know how much am I gonna be working. So how do I actually fill that out? Correct. Well, like, Reese, basically, you'll see on his, he's basically on the same mobile last six years because he hasn't had a pay rise in six years. So he, like and I've gotta I've gotta do it for both of us, so it makes it really difficult. I over inflate by 10 to 20 k each of us just because you never actually know what we're gonna work. I do get it back, but it it just you take a bite during the year. Okay. So last financial year, I earned $49.03 $8.4.12 in total, I think. And then this this year so far, I am sitting at this financial year. I'm up to just shy of 30 two. So I'm at $31.09 $4.09 at current. Yep. Yes. Yes. No. Yeah. I would assume so. I'll I'll send him a I'll flag it again with him, but I'm not I said to Maddie, I'm not stressed about it because there is a super guarantee. Like, it's the law that it has to be paid. So that it doesn't stress me out at all because I do know that it legally has to be paid. And I have had super guarantees. You'll see on those the paperwork that I sent through to Maddie. I have had the super guarantees previously. So I do know that they they do come through and how what they look like on your super fund. Yep. Yep. Yeah. I'm I'm happy for you to do that. And I am going to send. I'm just writing a note. I'm gonna send you that to your contributions. Yeah. I think the law's changing around that, isn't it? Yeah. When does that come into effect? And that will be lower as well, isn't it? Yep. But looking as someone who runs the budget of the household, if you break it down into weekly, it's so much more palatable. So it might actually you know, for for him, it might be a a much more palatable thing. Because if you're working off eighteen hours a week, it should only be, yeah, $97.20 that he has to pay out weekly. Whereas, you know, current outstanding for this financial year is sitting close to $4, which is not palatable if you're you know what I'm saying? Yep. Yeah. A 100 percent. Agree. No. No. I just get whatever the stock standard is is what I receive. Apparently, no. Like, we're every cent here is being absolutely watched at the moment. So no. Not not salary sacrificing currently. That is not not on the agenda at current, but open to it. If it if it man if, like, it makes sense, yeah, open to it. I mean, I don't pay that much tax, to be honest, because, like, what did I pay in tax? On a on an eighteen hour working week, I'm only paying gosh. What am I paying yet? $89 in tax. So yeah. On like, so far, this financial year, I've paid, yeah, 3,600 in tax. Yeah. I think I think medium term goal for that because, yeah, we've got I'm just literally looking at finances right now. We have approximately based on eighteen hours of work for me, approximately $2,000 of working income coming in, and 1,400 of that is literally just bills that are going out per week. So, yeah, that leaves about $600 left over, and that doesn't include any car, groceries, any other discretional spending at all. That's and no paying down credit card debts on that either. So, yeah, that's not including any gas, water, or electricity either. So, yeah, it's a it's a fair whack of money going straight back out every single week. Yep. Yep. Mhmm. Yep. Well, I would say in the middle. Like, I'm I'm open to taking a little bit of risk. Definitely wouldn't wanna put it all on black and lose it if it went poorly, but can understand that markets ebb and flow and and, yeah, sometimes you can have wins, sometimes you can have losses as long as you come out mostly pretty intact, I'll be stoked. Never. We have been looking at I know Reece has been looking at buying some shares in gold bullion and silver just as a, like, separate thing with some cash flow that we do have. Obviously, Reece doesn't really have any idea of what our current standings are financially because he is not in control of anything financially. So he he literally wouldn't know what the credit card's at because he can't remember his Internet banking password. So he's literally got no idea what the credit card's at, no idea what money's in the drain account, no idea what money is owing on the house, and zero zero idea what our weekly outgoings are and what is in savings. So he he says to me, he's like, that is you tell me how much you need in the transfer of my wage, and then from that, I'll leave off whatever's left over for my discretionary spending, and you just take care of the rest because it's too stressful for me, which is hilarious. So I literally manage all of that. So he he literally would have no idea how much money we have in savings. And I if I said to him, you've got $5 to go spend on gold, he would do it. So I I've made him look in I'm like, if you want it if you want it, I'm I'm happy to do it. I'm I'm like, it's $5 that I'm I'm gonna pretend I'll never see again. So for me, that's how I'm treating it. I'm like, what out of our savings can I give you that I don't need in the next five to ten years and I'll possibly never see again is how I look at it? So yep. Yes. Yeah. Yeah. So I was like, if there's any money, obviously, I've got I've got savings that I have sitting there accumulating interest. So I've got I've got multiple bank accounts. But, for example, where all my savings sits is at Up Bank. I don't know if you've heard of Up. So they have this thing called with their savers grow or flow. So if it's an account that you take money, like, so you can set up sub accounts for your savers. So I've got a sub account for school fees. So I take money out of that every month, but I transfer into it every week. So that's a flow account. So the interest rate on that one is 1.75% per month. But then I've got savings that I don't touch, and we just accumulate it, and I get a 5.1% gross rate on that. It is very good. And one of the savings accounts that I don't touch earns approximately a 100 to a $110 in interest per month. So, yeah, that one's that one's my beefy, juicy one, and I transfer into that $20 each week. So I'm putting in about $80 a month and getting in about a $100 a month on average in interest. So that's a that's a very healthy one. But yeah. So what I've got here is I've got, like, 14 sub accounts in that up banking that I just have automatic transfers set up to go into each week. So because I'm a casual. I've got an annual leave sub account that I transfer into weekly based on however many hours I work. I know the exact amount that I need to transfer based on those hours to equate equate for leave so that if I do take a holiday, I'm not without pay. Does that make sense? I would say, like, if you if you are writing financially savvy, not the most financially savvy by any stretch, but definitely plan around, like, these are my weekly costs, and I can't afford to go a week without pay. So how do I make sure that I can take holiday? I figured out. I don't get annual leave. What I need for what I need for annual leave. Yeah. I guess it comes from the fact that I've always been part time or casual since I turned 18. So I've always I've never been a casual and up until last year. So I've always been part time or full time, so I was automatically getting that, not even thinking about it. And then through no other choice but what the job was that I was offered, I had to go casual. And for me, I was like, right. How do I make sure I can still have my holidays? So, yeah, did a bit of googling, figured out the formula, just made a little spreadsheet in Google Sheets and popping in popping your alleyway to pop in your hours worked and it spits out how much do you need to transfer. So I just do that manually each week. And the bonus on that is I'm earning interest on it because I'm not touching it either because I'm still working. Thank you. Yep. Yep. That sounds bright. I would say max 30 to 40% drop considering how much is in there currently. I mean, at yeah. Some point in recent, I will wanna retire and travel and also make sure that we can help our kids out. But, yeah, like, obviously, where that my super is sitting at currently is so low because of not working during maternity leaves and etcetera. So I think for me, I feel like I need to take a bit of risk to try and grow it. And with risk, there's always that it it could go both ways. I'd take your advice. Yeah. That that in an ideal world, yeah, that would be that would be right. I've never seen it drop, so I'm gonna have speculate here. And I would be I'd be a little bit nervous, but also, like, I'm I'm not scared by one orange man, if that makes sense. I haven't actually ever thought about it. I mean, I kind of think super is like a a bonus thing at the moment. It's my my view on super is, like, it's a bonus that we can use to retire with, but, hopefully, we can set ourselves up with other investments that help us to fund retirement. Does that make sense? So I think, like, for myself, like, I'm like, well, it's gonna be a bit of a rough trough for the next five to ten years with little kids. But then after that, hopefully, we free up a bit of cash and can start investing in other things. So I'm not really sure how to answer. Hopefully hopefully that yeah. Let's let's go both. Yeah. Let's go both. Go in the middle because I don't I'm not a 100% sure. Never thought about it. Yeah. I mean, a property would be nice, like a commercial property interstate. Definitely nothing in Victoria. Victoria is a shithole when it comes to investments that cost more than makes. So for us, yeah, if we were to look at something, I I would suggest most likely be industrial commercial property in another state that makes sense, but we'd definitely seek advice before doing it. Yeah. Yep. I feel like a growth environment sounds good. I mean, it's not growing at an at all currently, so some growth would be nice. Yep. Sounds good. I think to start with, I would probably go for the more aggressive option there for the next two to three years, and then reassess after that to see if we go passive or stay aggressive. Yeah. I I think, like, to start with, because it's so low. I mean, with it being low, taking a little bit more risk doesn't scare me, if that makes sense. If it was if my super was double what it is currently, I would probably be a lot more nervous about being aggressive. But because it is so low, I'm not super nervous about it at the moment. So I'm I'm willing to take a little bit more risk. For question though, like, is it possible say your portfolio is 150,000, is it possible to go a third of that aggressive and then the other half the more safe? Like, the other two two thirds. Sorry. I mean, that's way down the line. It was just a it was just a throw out question just to see if, like, that is a possibility at all. Like, it's not something I'd be looking at doing immediately, but, like, let's say that you take that 70 k that's there right now, and by this time next year, we're sitting it at a 130. Like, we've almost doubled it. I would be like, okay. That's impressive. Like, let's go another year of that. Let's try to make it to 200. And then from the 200, I'd be like, okay. Well, of that 200, I'd really wanna set the original 70 back into the safe and then put the rest of it in the aggressive, if that makes sense. That's, like, how I would how I would play it just to, like, be like, okay. So we're back to where we were in one of them. Like, we've grown it to this point. I'm gonna take the original amount, put that back in the safe, and then gonna give you the remainder to just go gung ho. Like, what have what have we got to lose? Because I look at it from my perspective, I look at that as a bonus. So you've got that bonus money. And then I didn't have it two years ago. So what have I got to lose? Mhmm. Yep. Yep. Yep. Yep. Yeah. Yeah. I was just curious if it was a an option at all, like, yeah. Because I'm I'm definitely I'm willing to take a little bit of risk on a because it is a lower amount. But if it grew you know, when you're, like, you're at the table and you're playing it and you're like, I started with $5. Alright. I'm up to $50. I either go all in or pull back or give half, keep half. Like, they're, like, the three options I see. And I'm like, well, you can't pull it out because you need it to grow. So that puts you down to keep a safe amount, play the rest. So I'm kinda like, well, down the track, I definitely would be thinking, do we keep a safe amount and play the rest to see what we can gain? And then, hypothetically, let's say that Race and I had enough super growth combined that we could potentially pull some out and put it on a property and then offer that out by we keep some in super, keep investing in another things, and then we have a property that we have extra cash that we put into that kind of situation. I don't know if that's even a possibility, but, yeah, just I have no idea if that's even something you can do down the line, but, like, I don't even even know if you're eligible money out of super to do that kind of thing. But, yeah, that's where my mind goes. It's like, can you build it up and then invest it in something physical, if that makes sense? Mhmm. Yep. Yep. Yep. Yep. Yep. Yeah. That sound that sounds good. I mean yeah. We've never had any advice on this kind of stuff. So yeah. We've just kind of, like, we're just being young and winging it and just going with what the norm is, to be honest. And then now that we're coming out of the bit of that fog of, alright. We're just young and stupid. We've got to think about our kids in the future. We're like, alright. Let's start looking at how we how we do this and future proofing our life. Because I'd I'd personally prefer to not be banking on super for my retirement. I personally prefer to have sort of an investment property that does give us a dividend that means that we can live off that as a form of income and then, you know, keep on doing what we're doing with Super where it just grows on itself. And then when we need it, we can cash it in. Mhmm. I have no idea what they pay out. I do not understand that. I feel like life insurance is pretty important, but I only have it through my super because once again, costs of living. So I think definitely would look at I didn't even know what the TPD means, so that means nothing to me. I'm you'd have to explain that to me. But I definitely think it would be good to keep some sort of insurances in place so that should anything happen, it at least gives Reece some breathing space for mortgage cost of living, etcetera. Yeah. I mean, should something happen to both of us, that would be, hopefully, yeah, hopefully, a very different story. That should Nothing ever does. But, yeah, you obviously have to plan for these things. Yep. In an ideal world, I'd want the best As long as it's coming out of my super and not coming out of my weekly allowances, I'm I'm happy for that to be increased. Yes. The the reason I don't have separate life insurance currently is just it's not an affordable thing for us to equate into what we've currently got coming in and going out. So I've kind of left the super one as well. At least that's something. But it would be nice for it to be you know, it it would be really lovely for the total payout to be half $1,000,000 so that all mortgage repayments are covered, if that makes sense. If something was to happen, at least, you know, the mortgage is able to be completely paid off. Let me I think it's about that. Hold on one second. I'll have a quick look at my account. No. You're all good. You're all good. I'm I'm a number blind person, so you can spit numbers at me all night. Yeah. Currently, it's literally just a fraction, like, a very small fraction below $5.20. So, yeah, call it $5.20. Yeah. That I'd be sorry to hear. Yep. Yep. My mind says go for the go for the tax, but the logic in me is like, like, how much is that gonna cost me? Yes. Yes. That that actually yes, please. If you can do that, I'll I can if I see the figures in front of me, I can make a decision from there. Does that make sense? Love that. Love that. Yep. Love that. Yeah. I'm comfortable with that. Yeah. No. I'm happy with the life in TPD. Honestly, the income protection, I'm not super worried about because yeah. I mean, I've got currently more in savings than I've earned in the last year. Like, it only it only covers me for a year, but it only covers me for a year, but, you know, like, it that's better than nothing. I try to always keep if it makes sense, I've I've tried to always keep minimum three months worth of mortgage repayments aside so that should anything happen where I lose my job, I've got three months to make shit happen. I think currently, I've got I'll do some quick math on it. Yeah. I've got about four months worth of mortgage repayments set aside in one account that doesn't get touched at all. So, yes, how we roll. Yep. Yep. So I can tell you exactly. So offset has 14,000. Savings, 36 thousand. And then current, apart from mortgage, current debt is sitting at about 6,000. Correct. Reason I have not had that conversation. It is something that we very much need to do though. It's definitely, like, literally been on our minds for the last seven years of, like, something that we really need to do, but we just have not got around to it. Obviously, we need to have power of attorney for our kids as well, and everything's set up for if something happens to one of us and if something happens to both of us, what happens to our kids, that kind of thing. Yeah. We need we need to do all of that. We kinda buried our heads in the sand about it, to be honest. But, yeah, we need to get that sorted for our kids' sakes and what we want for our kids. Yep. No. There's literally nothing else that I can think of. Yeah. This is a very new concept to me. So, like, I've literally just been I've just been winging it, to be honest. Kind of, like, trying to live within a budget, plan within a budget, and then just winging it. Never saw any financial advice previously. So No. I think that's pretty bang on for current. I'm literally in the process of getting all my life together to do a bit of a pulse check on our mortgage to see if it's worth remortgaging at all to get a lower rate. Obviously, the equity in the property has grown in the last I think we haven't checked our mortgage in four years. So the equity in our property has definitely grown in that time. So, yeah, just seeing what we can do with what we've got. Last time we did it, we paid off our car and then kind of took out a bit extra just to sit there in the offset. That's a bit of a safety net because we had $0 at the time. But, yeah, now we're, like, right. We've we haven't checked on it in a few years. It's time to just do a bit of a pulse check on it and see what we can achieve. If we need to swap banks again, I don't know. But I'll have a look at it. Sounds good. Yeah. We, yeah, we're very lucky where we live. We're in a good growth pocket. So, I mean, that's the original mortgage was, I think, May about seven and a half years ago. So we did pay down a fair chunk of it because we redrew on that as well. We've redrawn twice on it. So we've paid down a fair chunk considering what interest we're paying, but also the property value has massively gone up. So that's the kind of growth that we've had you'd expect in ten to fifteen years to maybe reach where we are now. And I would say the price of our house has steadily been is about that for the last two years. So yeah. Very lucky. Yep. Yeah. Absolutely. No. No. Thank you so much for your time. I have no other questions. I love it. Sounds great. Thank you so much for your time, Dana. No worries. 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you record your name and reason for calling, I'll see if this person is available. Thanks. Dana Oke. Please stay on the line. Hello.\n\nElise speaking. Good. Thanks, Dana. How are you? Yes.\n\nAbsolutely. Yeah. Not too bad. Yep. Go ahead.\n\nYep. Yep. 06/20/1989. I mean, ideally, by mid sixties, you'd wanna be part time at most. And then by the end of, like, going into your seventies, if if still wanting to work, can but don't have to.\n\nI actually haven't because who can predict what it's gonna cost to actually live in the next five years alone? Like, how many wars can we have that will just drive up the cost of absolutely everything? I mean, I honestly I honestly couldn't have predicted that life was gonna get more expensive this year by the rate that it has. And I do wonder how much longer it's gonna get really sky high for. Like, are we looking at another two to three years of it just growing and then it might level out for a little bit?\n\nWho knows? Yep. Correct. Yeah. I have no idea why it is under that, but yes.\n\nYes. It is. I think it's something to do with the ATO. For some bizarre reason at the ATO, even though I've legally changed my name and I'm fairly sure I've put it in with them, I'm still down as a Bulger. Yes.\n\nOn my driver's license, all my bank cards, my Medicare. It's not on my passport because I haven't renewed my passport, but I will be doing that at, hopefully, some stage this year. Yep. Beautiful. I'm hoping to average out at eighteen.\n\nAs I said to Maddie last week, I am a casual, so it can be dependent on the work that's coming in and and also my availability. So, obviously, over school holidays, I took a step back a little bit from work to look after the kids, but I'm hopeful to steady at 18. Some some weeks, I get way more. Some weeks, I get way less. So I think on average, if we go of an average of 18, I think we're looking pretty healthy.\n\nCorrect. I believe you. I actually haven't I could have a look. Hold on. I could have a I I can have a look at last year's payslips.\n\nHold on one second. I'll have a look at all final payslip for last year. What do we got here? Okay. So alright.\n\nIt keeps scrolling back. I get paid weekly, so there's a lot of payslips to filter through here. Okay. So from the wellness studio in total last year, I was paid just a little bit over 13 k, so $13.00 $7.02. And I did have a job at I had another job.\n\nHe hasn't paid my super either. The last week of the I finished up in, like, February, I reckon, at that job last year. So I'm just having a quick look. It's very you know, what's really difficult is I don't know if you have kids with childcare subsidies. They literally so they'll come out, I think it's, like, at the start of I reckon it's around April, May, and we'll say, oh, this is what we expect you to earn in the next the next year.\n\nAnd and it's very interesting because you're like, well, I don't know how much am I gonna be working. So how do I actually fill that out? Correct. Well, like, Reese, basically, you'll see on his, he's basically on the same mobile last six years because he hasn't had a pay rise in six years. So he, like and I've gotta I've gotta do it for both of us, so it makes it really difficult.\n\nI over inflate by 10 to 20 k each of us just because you never actually know what we're gonna work. I do get it back, but it it just you take a bite during the year. Okay. So last financial year, I earned $49.03 $8.4.12 in total, I think. And then this this year so far, I am sitting at this financial year.\n\nI'm up to just shy of 30 two. So I'm at $31.09 $4.09 at current. Yep. Yes. Yes.\n\nNo. Yeah. I would assume so. I'll I'll send him a I'll flag it again with him, but I'm not I said to Maddie, I'm not stressed about it because there is a super guarantee. Like, it's the law that it has to be paid.\n\nSo that it doesn't stress me out at all because I do know that it legally has to be paid. And I have had super guarantees. You'll see on those the paperwork that I sent through to Maddie. I have had the super guarantees previously. So I do know that they they do come through and how what they look like on your super fund.\n\nYep. Yep. Yeah. I'm I'm happy for you to do that. And I am going to send.\n\nI'm just writing a note. I'm gonna send you that to your contributions. Yeah. I think the law's changing around that, isn't it? Yeah.\n\nWhen does that come into effect? And that will be lower as well, isn't it? Yep. But looking as someone who runs the budget of the household, if you break it down into weekly, it's so much more palatable. So it might actually you know, for for him, it might be a a much more palatable thing.\n\nBecause if you're working off eighteen hours a week, it should only be, yeah, $97.20 that he has to pay out weekly. Whereas, you know, current outstanding for this financial year is sitting close to $4, which is not palatable if you're you know what I'm saying? Yep. Yeah. A 100 percent.\n\nAgree. No. No. I just get whatever the stock standard is is what I receive. Apparently, no.\n\nLike, we're every cent here is being absolutely watched at the moment. So no. Not not salary sacrificing currently. That is not not on the agenda at current, but open to it. If it if it man if, like, it makes sense, yeah, open to it.\n\nI mean, I don't pay that much tax, to be honest, because, like, what did I pay in tax? On a on an eighteen hour working week, I'm only paying gosh. What am I paying yet? $89 in tax. So yeah.\n\nOn like, so far, this financial year, I've paid, yeah, 3,600 in tax. Yeah. I think I think medium term goal for that because, yeah, we've got I'm just literally looking at finances right now. We have approximately based on eighteen hours of work for me, approximately $2,000 of working income coming in, and 1,400 of that is literally just bills that are going out per week. So, yeah, that leaves about $600 left over, and that doesn't include any car, groceries, any other discretional spending at all.\n\nThat's and no paying down credit card debts on that either. So, yeah, that's not including any gas, water, or electricity either. So, yeah, it's a it's a fair whack of money going straight back out every single week. Yep. Yep.\n\nMhmm. Yep. Well, I would say in the middle. Like, I'm I'm open to taking a little bit of risk. Definitely wouldn't wanna put it all on black and lose it if it went poorly, but can understand that markets ebb and flow and and, yeah, sometimes you can have wins, sometimes you can have losses as long as you come out mostly pretty intact, I'll be stoked.\n\nNever. We have been looking at I know Reece has been looking at buying some shares in gold bullion and silver just as a, like, separate thing with some cash flow that we do have. Obviously, Reece doesn't really have any idea of what our current standings are financially because he is not in control of anything financially. So he he literally wouldn't know what the credit card's at because he can't remember his Internet banking password. So he's literally got no idea what the credit card's at, no idea what money's in the drain account, no idea what money is owing on the house, and zero zero idea what our weekly outgoings are and what is in savings.\n\nSo he he says to me, he's like, that is you tell me how much you need in the transfer of my wage, and then from that, I'll leave off whatever's left over for my discretionary spending, and you just take care of the rest because it's too stressful for me, which is hilarious. So I literally manage all of that. So he he literally would have no idea how much money we have in savings. And I if I said to him, you've got $5 to go spend on gold, he would do it. So I I've made him look in I'm like, if you want it if you want it, I'm I'm happy to do it.\n\nI'm I'm like, it's $5 that I'm I'm gonna pretend I'll never see again. So for me, that's how I'm treating it. I'm like, what out of our savings can I give you that I don't need in the next five to ten years and I'll possibly never see again is how I look at it? So yep. Yes.\n\nYeah. Yeah. So I was like, if there's any money, obviously, I've got I've got savings that I have sitting there accumulating interest. So I've got I've got multiple bank accounts. But, for example, where all my savings sits is at Up Bank.\n\nI don't know if you've heard of Up. So they have this thing called with their savers grow or flow. So if it's an account that you take money, like, so you can set up sub accounts for your savers. So I've got a sub account for school fees. So I take money out of that every month, but I transfer into it every week.\n\nSo that's a flow account. So the interest rate on that one is 1.75% per month. But then I've got savings that I don't touch, and we just accumulate it, and I get a 5.1% gross rate on that. It is very good. And one of the savings accounts that I don't touch earns approximately a 100 to a $110 in interest per month.\n\nSo, yeah, that one's that one's my beefy, juicy one, and I transfer into that $20 each week. So I'm putting in about $80 a month and getting in about a $100 a month on average in interest. So that's a that's a very healthy one. But yeah. So what I've got here is I've got, like, 14 sub accounts in that up banking that I just have automatic transfers set up to go into each week.\n\nSo because I'm a casual. I've got an annual leave sub account that I transfer into weekly based on however many hours I work. I know the exact amount that I need to transfer based on those hours to equate equate for leave so that if I do take a holiday, I'm not without pay. Does that make sense? I would say, like, if you if you are writing financially savvy, not the most financially savvy by any stretch, but definitely plan around, like, these are my weekly costs, and I can't afford to go a week without pay.\n\nSo how do I make sure that I can take holiday? I figured out. I don't get annual leave. What I need for what I need for annual leave. Yeah.\n\nI guess it comes from the fact that I've always been part time or casual since I turned 18. So I've always I've never been a casual and up until last year. So I've always been part time or full time, so I was automatically getting that, not even thinking about it. And then through no other choice but what the job was that I was offered, I had to go casual. And for me, I was like, right.\n\nHow do I make sure I can still have my holidays? So, yeah, did a bit of googling, figured out the formula, just made a little spreadsheet in Google Sheets and popping in popping your alleyway to pop in your hours worked and it spits out how much do you need to transfer. So I just do that manually each week. And the bonus on that is I'm earning interest on it because I'm not touching it either because I'm still working. Thank you.\n\nYep. Yep. That sounds bright. I would say max 30 to 40% drop considering how much is in there currently. I mean, at yeah.\n\nSome point in recent, I will wanna retire and travel and also make sure that we can help our kids out. But, yeah, like, obviously, where that my super is sitting at currently is so low because of not working during maternity leaves and etcetera. So I think for me, I feel like I need to take a bit of risk to try and grow it. And with risk, there's always that it it could go both ways. I'd take your advice.\n\nYeah. That that in an ideal world, yeah, that would be that would be right. I've never seen it drop, so I'm gonna have speculate here. And I would be I'd be a little bit nervous, but also, like, I'm I'm not scared by one orange man, if that makes sense. I haven't actually ever thought about it.\n\nI mean, I kind of think super is like a a bonus thing at the moment. It's my my view on super is, like, it's a bonus that we can use to retire with, but, hopefully, we can set ourselves up with other investments that help us to fund retirement. Does that make sense? So I think, like, for myself, like, I'm like, well, it's gonna be a bit of a rough trough for the next five to ten years with little kids. But then after that, hopefully, we free up a bit of cash and can start investing in other things.\n\nSo I'm not really sure how to answer. Hopefully hopefully that yeah. Let's let's go both. Yeah. Let's go both.\n\nGo in the middle because I don't I'm not a 100% sure. Never thought about it. Yeah. I mean, a property would be nice, like a commercial property interstate. Definitely nothing in Victoria.\n\nVictoria is a shithole when it comes to investments that cost more than makes. So for us, yeah, if we were to look at something, I I would suggest most likely be industrial commercial property in another state that makes sense, but we'd definitely seek advice before doing it. Yeah. Yep. I feel like a growth environment sounds good.\n\nI mean, it's not growing at an at all currently, so some growth would be nice. Yep. Sounds good. I think to start with, I would probably go for the more aggressive option there for the next two to three years, and then reassess after that to see if we go passive or stay aggressive. Yeah.\n\nI I think, like, to start with, because it's so low. I mean, with it being low, taking a little bit more risk doesn't scare me, if that makes sense. If it was if my super was double what it is currently, I would probably be a lot more nervous about being aggressive. But because it is so low, I'm not super nervous about it at the moment. So I'm I'm willing to take a little bit more risk.\n\nFor question though, like, is it possible say your portfolio is 150,000, is it possible to go a third of that aggressive and then the other half the more safe? Like, the other two two thirds. Sorry. I mean, that's way down the line. It was just a it was just a throw out question just to see if, like, that is a possibility at all.\n\nLike, it's not something I'd be looking at doing immediately, but, like, let's say that you take that 70 k that's there right now, and by this time next year, we're sitting it at a 130. Like, we've almost doubled it. I would be like, okay. That's impressive. Like, let's go another year of that.\n\nLet's try to make it to 200. And then from the 200, I'd be like, okay. Well, of that 200, I'd really wanna set the original 70 back into the safe and then put the rest of it in the aggressive, if that makes sense. That's, like, how I would how I would play it just to, like, be like, okay. So we're back to where we were in one of them.\n\nLike, we've grown it to this point. I'm gonna take the original amount, put that back in the safe, and then gonna give you the remainder to just go gung ho. Like, what have what have we got to lose? Because I look at it from my perspective, I look at that as a bonus. So you've got that bonus money.\n\nAnd then I didn't have it two years ago. So what have I got to lose? Mhmm. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. I was just curious if it was a an option at all, like, yeah.\n\nBecause I'm I'm definitely I'm willing to take a little bit of risk on a because it is a lower amount. But if it grew you know, when you're, like, you're at the table and you're playing it and you're like, I started with $5. Alright. I'm up to $50. I either go all in or pull back or give half, keep half.\n\nLike, they're, like, the three options I see. And I'm like, well, you can't pull it out because you need it to grow. So that puts you down to keep a safe amount, play the rest. So I'm kinda like, well, down the track, I definitely would be thinking, do we keep a safe amount and play the rest to see what we can gain? And then, hypothetically, let's say that Race and I had enough super growth combined that we could potentially pull some out and put it on a property and then offer that out by we keep some in super, keep investing in another things, and then we have a property that we have extra cash that we put into that kind of situation.\n\nI don't know if that's even a possibility, but, yeah, just I have no idea if that's even something you can do down the line, but, like, I don't even even know if you're eligible money out of super to do that kind of thing. But, yeah, that's where my mind goes. It's like, can you build it up and then invest it in something physical, if that makes sense? Mhmm. Yep.\n\nYep. Yep. Yep. Yep. Yeah.\n\nThat sound that sounds good. I mean yeah. We've never had any advice on this kind of stuff. So yeah. We've just kind of, like, we're just being young and winging it and just going with what the norm is, to be honest.\n\nAnd then now that we're coming out of the bit of that fog of, alright. We're just young and stupid. We've got to think about our kids in the future. We're like, alright. Let's start looking at how we how we do this and future proofing our life.\n\nBecause I'd I'd personally prefer to not be banking on super for my retirement. I personally prefer to have sort of an investment property that does give us a dividend that means that we can live off that as a form of income and then, you know, keep on doing what we're doing with Super where it just grows on itself. And then when we need it, we can cash it in. Mhmm. I have no idea what they pay out.\n\nI do not understand that. I feel like life insurance is pretty important, but I only have it through my super because once again, costs of living. So I think definitely would look at I didn't even know what the TPD means, so that means nothing to me. I'm you'd have to explain that to me. But I definitely think it would be good to keep some sort of insurances in place so that should anything happen, it at least gives Reece some breathing space for mortgage cost of living, etcetera.\n\nYeah. I mean, should something happen to both of us, that would be, hopefully, yeah, hopefully, a very different story. That should Nothing ever does. But, yeah, you obviously have to plan for these things. Yep.\n\nIn an ideal world, I'd want the best As long as it's coming out of my super and not coming out of my weekly allowances, I'm I'm happy for that to be increased. Yes. The the reason I don't have separate life insurance currently is just it's not an affordable thing for us to equate into what we've currently got coming in and going out. So I've kind of left the super one as well. At least that's something.\n\nBut it would be nice for it to be you know, it it would be really lovely for the total payout to be half $1,000,000 so that all mortgage repayments are covered, if that makes sense. If something was to happen, at least, you know, the mortgage is able to be completely paid off. Let me I think it's about that. Hold on one second. I'll have a quick look at my account.\n\nNo. You're all good. You're all good. I'm I'm a number blind person, so you can spit numbers at me all night. Yeah.\n\nCurrently, it's literally just a fraction, like, a very small fraction below $5.20. So, yeah, call it $5.20. Yeah. That I'd be sorry to hear. Yep.\n\nYep. My mind says go for the go for the tax, but the logic in me is like, like, how much is that gonna cost me? Yes. Yes. That that actually yes, please.\n\nIf you can do that, I'll I can if I see the figures in front of me, I can make a decision from there. Does that make sense? Love that. Love that. Yep.\n\nLove that. Yeah. I'm comfortable with that. Yeah. No.\n\nI'm happy with the life in TPD. Honestly, the income protection, I'm not super worried about because yeah. I mean, I've got currently more in savings than I've earned in the last year. Like, it only it only covers me for a year, but it only covers me for a year, but, you know, like, it that's better than nothing. I try to always keep if it makes sense, I've I've tried to always keep minimum three months worth of mortgage repayments aside so that should anything happen where I lose my job, I've got three months to make shit happen.\n\nI think currently, I've got I'll do some quick math on it. Yeah. I've got about four months worth of mortgage repayments set aside in one account that doesn't get touched at all. So, yes, how we roll. Yep.\n\nYep. So I can tell you exactly. So offset has 14,000. Savings, 36 thousand. And then current, apart from mortgage, current debt is sitting at about 6,000.\n\nCorrect. Reason I have not had that conversation. It is something that we very much need to do though. It's definitely, like, literally been on our minds for the last seven years of, like, something that we really need to do, but we just have not got around to it. Obviously, we need to have power of attorney for our kids as well, and everything's set up for if something happens to one of us and if something happens to both of us, what happens to our kids, that kind of thing.\n\nYeah. We need we need to do all of that. We kinda buried our heads in the sand about it, to be honest. But, yeah, we need to get that sorted for our kids' sakes and what we want for our kids. Yep.\n\nNo. There's literally nothing else that I can think of. Yeah. This is a very new concept to me. So, like, I've literally just been I've just been winging it, to be honest.\n\nKind of, like, trying to live within a budget, plan within a budget, and then just winging it. Never saw any financial advice previously. So No. I think that's pretty bang on for current. I'm literally in the process of getting all my life together to do a bit of a pulse check on our mortgage to see if it's worth remortgaging at all to get a lower rate.\n\nObviously, the equity in the property has grown in the last I think we haven't checked our mortgage in four years. So the equity in our property has definitely grown in that time. So, yeah, just seeing what we can do with what we've got. Last time we did it, we paid off our car and then kind of took out a bit extra just to sit there in the offset. That's a bit of a safety net because we had $0 at the time.\n\nBut, yeah, now we're, like, right. We've we haven't checked on it in a few years. It's time to just do a bit of a pulse check on it and see what we can achieve. If we need to swap banks again, I don't know. But I'll have a look at it.\n\nSounds good. Yeah. We, yeah, we're very lucky where we live. We're in a good growth pocket. So, I mean, that's the original mortgage was, I think, May about seven and a half years ago.\n\nSo we did pay down a fair chunk of it because we redrew on that as well. We've redrawn twice on it. So we've paid down a fair chunk considering what interest we're paying, but also the property value has massively gone up. So that's the kind of growth that we've had you'd expect in ten to fifteen years to maybe reach where we are now. And I would say the price of our house has steadily been is about that for the last two years.\n\nSo yeah. Very lucky. Yep. Yeah. Absolutely.\n\nNo. No. Thank you so much for your time. I have no other questions. I love it.\n\nSounds great. Thank you so much for your time, Dana. No worries. Thanks, mate.","paragraphs":[{"sentences":[{"text":"If you record your name and reason for calling, I'll see if this person is available.","start":0.24,"end":4.74,"sentiment":"neutral","sentiment_score":0.014878785004839301},{"text":"Thanks.","start":16.735,"end":17.235,"sentiment":"positive","sentiment_score":0.337909072637558},{"text":"Dana Oke.","start":17.375,"end":18.355,"sentiment":"neutral","sentiment_score":0.11454897373914719},{"text":"Please stay on the line.","start":18.575,"end":20.115,"sentiment":"neutral","sentiment_score":0.10213278234004974},{"text":"Hello.","start":23.055,"end":23.375,"sentiment":"neutral","sentiment_score":0.07410004734992981}],"sentiment":"neutral","sentiment_score":0.055593261569738386,"num_words":25,"start":0.24,"end":23.375},{"sentences":[{"text":"Elise speaking.","start":23.375,"end":24.275,"sentiment":"neutral","sentiment_score":0.06616491451859474},{"text":"Good.","start":28.15,"end":28.310001,"sentiment":"positive","sentiment_score":0.4455439448356629},{"text":"Thanks, Dana.","start":28.310001,"end":28.79,"sentiment":"positive","sentiment_score":0.4982908070087433},{"text":"How are you?","start":28.79,"end":29.61,"sentiment":"neutral","sentiment_score":0.3263094623883565},{"text":"Yes.","start":38.47,"end":38.865,"sentiment":"neutral","sentiment_score":0.18737280368804932}],"sentiment":"neutral","sentiment_score":0.30452850874927306,"num_words":9,"start":23.375,"end":38.865},{"sentences":[{"text":"Absolutely.","start":39.905003,"end":40.405003,"sentiment":"neutral","sentiment_score":0.13956740498542786},{"text":"Yeah.","start":44.625,"end":44.865,"sentiment":"neutral","sentiment_score":0.1435869187116623},{"text":"Not too bad.","start":44.865,"end":45.845,"sentiment":"neutral","sentiment_score":0.18409034609794617},{"text":"Yep.","start":55.98,"end":56.22,"sentiment":"neutral","sentiment_score":0.08795739710330963},{"text":"Go ahead.","start":56.22,"end":56.96,"sentiment":"neutral","sentiment_score":0.14321691170334816}],"sentiment":"neutral","sentiment_score":0.15122707281261683,"num_words":8,"start":39.905003,"end":56.96},{"sentences":[{"text":"Yep.","start":77.115,"end":77.615,"sentiment":"neutral","sentiment_score":0.09740740060806274},{"text":"Yep.","start":83.77,"end":84.09,"sentiment":"neutral","sentiment_score":0.005325566045939922},{"text":"06/20/1989.","start":84.09,"end":85.869995,"sentiment":"neutral","sentiment_score":0.008167660795152187},{"text":"I mean, ideally, by mid sixties, you'd wanna be part time at most.","start":101.835,"end":108.06,"sentiment":"neutral","sentiment_score":0.06543233245611191},{"text":"And then by the end of, like, going into your seventies, if if still wanting to work, can but don't have to.","start":109.82,"end":117.6,"sentiment":"neutral","sentiment_score":0.07064665024253455}],"sentiment":"neutral","sentiment_score":0.06620387512406237,"num_words":38,"start":77.115,"end":117.6},{"sentences":[{"text":"I actually haven't because who can predict what it's gonna cost to actually live in the next five years alone?","start":135.515,"end":143.79,"sentiment":"neutral","sentiment_score":-0.1193032555282116},{"text":"Like, how many wars can we have that will just drive up the cost of absolutely everything?","start":145.76999,"end":151.62999,"sentiment":"neutral","sentiment_score":-0.19714734747129328},{"text":"I mean, I honestly I honestly couldn't have predicted that life was gonna get more expensive this year by the rate that it has.","start":152.01,"end":160.91501,"sentiment":"neutral","sentiment_score":-0.177360444329679},{"text":"And I do wonder how much longer it's gonna get really sky high for.","start":162.335,"end":168.335,"sentiment":"neutral","sentiment_score":-0.1157895741718156},{"text":"Like, are we looking at another two to three years of it just growing and then it might level out for a little bit?","start":168.335,"end":173.14,"sentiment":"neutral","sentiment_score":-0.08330891514196992}],"sentiment":"neutral","sentiment_score":-0.13752210791213343,"num_words":99,"start":135.515,"end":173.14},{"sentences":[{"text":"Who knows?","start":173.14,"end":173.8,"sentiment":"neutral","sentiment_score":-0.06466614454984665},{"text":"Yep.","start":186.375,"end":186.77501,"sentiment":"neutral","sentiment_score":0.03989444300532341},{"text":"Correct.","start":186.77501,"end":187.27501,"sentiment":"neutral","sentiment_score":0.0669398382306099},{"text":"Yeah.","start":194.375,"end":194.615,"sentiment":"neutral","sentiment_score":0.009649286046624184},{"text":"I have no idea why it is under that, but yes.","start":194.615,"end":197.175,"sentiment":"neutral","sentiment_score":-0.018120367418635975}],"sentiment":"neutral","sentiment_score":-0.013260797713883221,"num_words":16,"start":173.14,"end":197.175},{"sentences":[{"text":"Yes.","start":197.175,"end":197.575,"sentiment":"neutral","sentiment_score":0.08890929073095322},{"text":"It is.","start":197.575,"end":198.235,"sentiment":"neutral","sentiment_score":0.11067968606948854},{"text":"I think it's something to do with the ATO.","start":200.11,"end":202.53,"sentiment":"neutral","sentiment_score":0.019322808728449874},{"text":"For some bizarre reason at the ATO, even though I've legally changed my name and I'm fairly sure I've put it in with them, I'm still down as a Bulger.","start":204.26999,"end":212.86499,"sentiment":"neutral","sentiment_score":-0.020048084936570378},{"text":"Yes.","start":224.045,"end":224.36499,"sentiment":"neutral","sentiment_score":0.03244815394282341}],"sentiment":"neutral","sentiment_score":-0.0019725686681002033,"num_words":43,"start":197.175,"end":224.36499},{"sentences":[{"text":"On my driver's license, all my bank cards, my Medicare.","start":224.36499,"end":228.8,"sentiment":"neutral","sentiment_score":0.025125286355614663},{"text":"It's not on my passport because I haven't renewed my passport, but I will be doing that at, hopefully, some stage this year.","start":228.94,"end":234.48,"sentiment":"neutral","sentiment_score":0.019680346018108336},{"text":"Yep.","start":246.16501,"end":246.485,"sentiment":"neutral","sentiment_score":0.21548447012901303},{"text":"Beautiful.","start":246.485,"end":246.985,"sentiment":"positive","sentiment_score":0.5675582885742188},{"text":"I'm hoping to average out at eighteen.","start":257.35,"end":259.61,"sentiment":"neutral","sentiment_score":0.055573000971760066}],"sentiment":"neutral","sentiment_score":0.044665585416147395,"num_words":42,"start":224.36499,"end":259.61},{"sentences":[{"text":"As I said to Maddie last week, I am a casual, so it can be dependent on the work that's coming in and and also my availability.","start":260.71,"end":270.265,"sentiment":"neutral","sentiment_score":0.017587139512653702},{"text":"So, obviously, over school holidays, I took a step back a little bit from work to look after the kids, but I'm hopeful to steady at 18.","start":270.405,"end":281.0,"sentiment":"neutral","sentiment_score":0.0037099447239328314},{"text":"Some some weeks, I get way more.","start":281.13998,"end":283.22,"sentiment":"neutral","sentiment_score":-0.01824217103421688},{"text":"Some weeks, I get way less.","start":283.22,"end":284.76,"sentiment":"neutral","sentiment_score":-0.02441264068086942},{"text":"So I think on average, if we go of an average of 18, I think we're looking pretty healthy.","start":284.9,"end":290.04,"sentiment":"neutral","sentiment_score":0.17075464443156593}],"sentiment":"neutral","sentiment_score":0.04122312182863785,"num_words":86,"start":260.71,"end":290.04},{"sentences":[{"text":"Correct.","start":295.475,"end":295.975,"sentiment":"neutral","sentiment_score":0.1107795238494873},{"text":"I believe you.","start":304.355,"end":305.22,"sentiment":"neutral","sentiment_score":0.053567346185445786},{"text":"I actually haven't I could have a look.","start":305.3,"end":308.18,"sentiment":"neutral","sentiment_score":-0.018354997970163822},{"text":"Hold on.","start":308.18,"end":308.58,"sentiment":"neutral","sentiment_score":-0.014569423161447048},{"text":"I could have a I I can have a look at last year's payslips.","start":308.58,"end":312.44,"sentiment":"neutral","sentiment_score":0.01451552685882364}],"sentiment":"neutral","sentiment_score":0.010668575298041105,"num_words":28,"start":295.475,"end":312.44},{"sentences":[{"text":"Hold on one second.","start":312.58,"end":313.88,"sentiment":"neutral","sentiment_score":0.013573084957897663},{"text":"I'll have a look at all final payslip for last year.","start":314.26,"end":318.04,"sentiment":"neutral","sentiment_score":0.01345828886736523},{"text":"What do we got here?","start":320.105,"end":321.165,"sentiment":"neutral","sentiment_score":0.006040583550930023},{"text":"Okay.","start":327.305,"end":327.805,"sentiment":"neutral","sentiment_score":0.001874101348221302},{"text":"So alright.","start":327.865,"end":333.27002,"sentiment":"neutral","sentiment_score":-0.004293289966881275}],"sentiment":"neutral","sentiment_score":0.009818432893118133,"num_words":23,"start":312.58,"end":333.27002},{"sentences":[{"text":"It keeps scrolling back.","start":333.65002,"end":334.95,"sentiment":"neutral","sentiment_score":-0.03584359399974346},{"text":"I get paid weekly, so there's a lot of payslips to filter through here.","start":340.29,"end":343.81,"sentiment":"neutral","sentiment_score":-0.016558330905224596},{"text":"Okay.","start":343.81,"end":344.31,"sentiment":"neutral","sentiment_score":0.007264048792421818},{"text":"So from the wellness studio in total last year, I was paid just a little bit over 13 k, so $13.00 $7.02.","start":345.465,"end":356.20502,"sentiment":"neutral","sentiment_score":0.01289823329584165},{"text":"And I did have a job at I had another job.","start":357.29,"end":360.43002,"sentiment":"neutral","sentiment_score":-0.06850016100162809}],"sentiment":"neutral","sentiment_score":-0.016108992276713252,"num_words":52,"start":333.65002,"end":360.43002},{"sentences":[{"text":"He hasn't paid my super either.","start":361.61002,"end":363.55002,"sentiment":"neutral","sentiment_score":-0.13794870550433794},{"text":"The last week of the I finished up in, like, February, I reckon, at that job last year.","start":368.25,"end":380.205,"sentiment":"neutral","sentiment_score":-0.050689243608050875},{"text":"So I'm just having a quick look.","start":380.205,"end":384.38,"sentiment":"neutral","sentiment_score":0.002272898896730372},{"text":"It's very you know, what's really difficult is I don't know if you have kids with childcare subsidies.","start":386.52002,"end":392.7,"sentiment":"neutral","sentiment_score":-0.2340050455596712},{"text":"They literally so they'll come out, I think it's, like, at the start of I reckon it's around April, May, and we'll say, oh, this is what we expect you to earn in the next the next year.","start":397.405,"end":416.69,"sentiment":"neutral","sentiment_score":-0.07278100562919128}],"sentiment":"neutral","sentiment_score":-0.10002249838709402,"num_words":87,"start":361.61002,"end":416.69},{"sentences":[{"text":"And and it's very interesting because you're like, well, I don't know how much am I gonna be working.","start":418.27,"end":425.31,"sentiment":"neutral","sentiment_score":-0.040873028926159204},{"text":"So how do I actually fill that out?","start":425.31,"end":428.765,"sentiment":"neutral","sentiment_score":-0.015237977961078286},{"text":"Correct.","start":433.865,"end":434.365,"sentiment":"neutral","sentiment_score":0.014137964695692062},{"text":"Well, like, Reese, basically, you'll see on his, he's basically on the same mobile last six years because he hasn't had a pay rise in six years.","start":436.345,"end":446.42,"sentiment":"neutral","sentiment_score":-0.05176329809344477},{"text":"So he, like and I've gotta I've gotta do it for both of us, so it makes it really difficult.","start":448.08002,"end":453.14,"sentiment":"neutral","sentiment_score":-0.09539944380521774}],"sentiment":"neutral","sentiment_score":-0.05586601777623097,"num_words":75,"start":418.27,"end":453.14},{"sentences":[{"text":"I over inflate by 10 to 20 k each of us just because you never actually know what we're gonna work.","start":453.6,"end":463.425,"sentiment":"neutral","sentiment_score":-0.17590567079328356},{"text":"I do get it back, but it it just you take a bite during the year.","start":463.965,"end":467.55,"sentiment":"neutral","sentiment_score":-0.15391666814684868},{"text":"Okay.","start":467.78998,"end":468.03,"sentiment":"neutral","sentiment_score":0.024730786681175232},{"text":"So last financial year, I earned $49.03 $8.4.12 in total, I think.","start":468.03,"end":474.53,"sentiment":"neutral","sentiment_score":0.047289115376770496},{"text":"And then this this year so far, I am sitting at this financial year.","start":476.50998,"end":485.76498,"sentiment":"neutral","sentiment_score":0.24883025565317698}],"sentiment":"neutral","sentiment_score":-0.03251346916658804,"num_words":64,"start":453.6,"end":485.76498},{"sentences":[{"text":"I'm up to just shy of 30 two.","start":485.76498,"end":487.685,"sentiment":"neutral","sentiment_score":0.19985970482230186},{"text":"So I'm at $31.09 $4.09 at current.","start":487.685,"end":493.225,"sentiment":"neutral","sentiment_score":0.13794640132359096},{"text":"Yep.","start":499.16,"end":499.66,"sentiment":"neutral","sentiment_score":0.10469184815883636},{"text":"Yes.","start":506.84,"end":507.24,"sentiment":"neutral","sentiment_score":0.0746745616197586},{"text":"Yes.","start":507.24,"end":507.74,"sentiment":"neutral","sentiment_score":0.07157234847545624}],"sentiment":"neutral","sentiment_score":0.15641340033875573,"num_words":18,"start":485.76498,"end":507.74},{"sentences":[{"text":"No.","start":515.675,"end":516.175,"sentiment":"neutral","sentiment_score":-0.16786949336528778},{"text":"Yeah.","start":524.37,"end":524.52997,"sentiment":"neutral","sentiment_score":0.04194222390651703},{"text":"I would assume so.","start":524.52997,"end":525.49,"sentiment":"neutral","sentiment_score":0.05031302385032177},{"text":"I'll I'll send him a I'll flag it again with him, but I'm not I said to Maddie, I'm not stressed about it because there is a super guarantee.","start":525.49,"end":532.85,"sentiment":"neutral","sentiment_score":0.021060310641367888},{"text":"Like, it's the law that it has to be paid.","start":532.85,"end":535.27,"sentiment":"neutral","sentiment_score":0.04568127579987049}],"sentiment":"neutral","sentiment_score":0.025397479834242,"num_words":45,"start":515.675,"end":535.27},{"sentences":[{"text":"So that it doesn't stress me out at all because I do know that it legally has to be paid.","start":535.935,"end":541.47504,"sentiment":"neutral","sentiment_score":0.21634761914610862},{"text":"And I have had super guarantees.","start":543.455,"end":545.395,"sentiment":"neutral","sentiment_score":0.14183448255062103},{"text":"You'll see on those the paperwork that I sent through to Maddie.","start":545.935,"end":549.39996,"sentiment":"neutral","sentiment_score":0.11903310691316922},{"text":"I have had the super guarantees previously.","start":549.39996,"end":551.58,"sentiment":"neutral","sentiment_score":0.11438347399234772},{"text":"So I do know that they they do come through and how what they look like on your super fund.","start":552.44,"end":558.45996,"sentiment":"neutral","sentiment_score":0.07848672065883874}],"sentiment":"neutral","sentiment_score":0.13810423526626367,"num_words":65,"start":535.935,"end":558.45996},{"sentences":[{"text":"Yep.","start":574.42505,"end":574.92505,"sentiment":"neutral","sentiment_score":0.06528368592262268},{"text":"Yep.","start":584.34,"end":584.84,"sentiment":"neutral","sentiment_score":0.07924990355968475},{"text":"Yeah.","start":595.055,"end":595.455,"sentiment":"neutral","sentiment_score":0.30820780992507935},{"text":"I'm I'm happy for you to do that.","start":595.455,"end":597.315,"sentiment":"positive","sentiment_score":0.6209629885852337},{"text":"And I am going to send.","start":597.695,"end":599.875,"sentiment":"positive","sentiment_score":0.4636440674463908}],"sentiment":"positive","sentiment_score":0.4824888066333883,"num_words":17,"start":574.42505,"end":599.875},{"sentences":[{"text":"I'm just writing a note.","start":601.63,"end":604.43,"sentiment":"neutral","sentiment_score":0.17611950039863586},{"text":"I'm gonna send you that to your contributions.","start":604.43,"end":606.21,"sentiment":"neutral","sentiment_score":0.2091635912656784},{"text":"Yeah.","start":620.96497,"end":621.365,"sentiment":"neutral","sentiment_score":-0.07566165924072266},{"text":"I think the law's changing around that, isn't it?","start":621.365,"end":624.90497,"sentiment":"neutral","sentiment_score":-0.08696654583844873},{"text":"Yeah.","start":626.165,"end":626.665,"sentiment":"neutral","sentiment_score":-0.008411495946347713}],"sentiment":"neutral","sentiment_score":0.07029725684939574,"num_words":24,"start":601.63,"end":626.665},{"sentences":[{"text":"When does that come into effect?","start":634.79004,"end":636.25,"sentiment":"neutral","sentiment_score":0.042928336498637996},{"text":"And that will be lower as well, isn't it?","start":640.31,"end":642.41003,"sentiment":"neutral","sentiment_score":0.0692546127571},{"text":"Yep.","start":665.29,"end":665.79,"sentiment":"neutral","sentiment_score":0.22877222299575808},{"text":"But looking as someone who runs the budget of the household, if you break it down into weekly, it's so much more palatable.","start":678.385,"end":686.645,"sentiment":"neutral","sentiment_score":0.22543135026226874},{"text":"So it might actually you know, for for him, it might be a a much more palatable thing.","start":686.945,"end":692.73,"sentiment":"neutral","sentiment_score":0.11102327994174427}],"sentiment":"neutral","sentiment_score":0.1454907693295625,"num_words":57,"start":634.79004,"end":692.73},{"sentences":[{"text":"Because if you're working off eighteen hours a week, it should only be, yeah, $97.20 that he has to pay out weekly.","start":692.73,"end":701.37,"sentiment":"neutral","sentiment_score":0.00002418146257034757},{"text":"Whereas, you know, current outstanding for this financial year is sitting close to $4, which is not palatable if you're you know what I'm saying?","start":701.37,"end":711.815,"sentiment":"negative","sentiment_score":-0.39832848861813547},{"text":"Yep.","start":718.755,"end":719.255,"sentiment":"neutral","sentiment_score":0.27164971828460693},{"text":"Yeah.","start":735.455,"end":735.695,"sentiment":"neutral","sentiment_score":0.26530593633651733},{"text":"A 100 percent.","start":735.695,"end":736.49506,"sentiment":"positive","sentiment_score":0.46746618549029034}],"sentiment":"neutral","sentiment_score":-0.15419857715740085,"num_words":52,"start":692.73,"end":736.49506},{"sentences":[{"text":"Agree.","start":736.49506,"end":736.99506,"sentiment":"positive","sentiment_score":0.5923855900764465},{"text":"No.","start":744.97504,"end":745.215,"sentiment":"neutral","sentiment_score":-0.0763399600982666},{"text":"No.","start":745.215,"end":745.455,"sentiment":"neutral","sentiment_score":-0.08565917611122131},{"text":"I just get whatever the stock standard is is what I receive.","start":745.455,"end":753.45,"sentiment":"neutral","sentiment_score":-0.051763833655665316},{"text":"Apparently, no.","start":758.07,"end":758.87,"sentiment":"neutral","sentiment_score":-0.20934469997882843}],"sentiment":"neutral","sentiment_score":-0.03585111470345188,"num_words":17,"start":736.49506,"end":758.87},{"sentences":[{"text":"Like, we're every cent here is being absolutely watched at the moment.","start":758.87,"end":764.505,"sentiment":"neutral","sentiment_score":-0.25073468933502835},{"text":"So no.","start":764.505,"end":765.48505,"sentiment":"neutral","sentiment_score":-0.16749484091997147},{"text":"Not not salary sacrificing currently.","start":765.865,"end":768.365,"sentiment":"neutral","sentiment_score":-0.1886120170354843},{"text":"That is not not on the agenda at current, but open to it.","start":770.42505,"end":774.365,"sentiment":"neutral","sentiment_score":-0.10637691960884975},{"text":"If it if it man if, like, it makes sense, yeah, open to it.","start":775.46,"end":779.32,"sentiment":"neutral","sentiment_score":0.1381475254893303}],"sentiment":"neutral","sentiment_score":-0.08121088341526363,"num_words":46,"start":758.87,"end":779.32},{"sentences":[{"text":"I mean, I don't pay that much tax, to be honest, because, like, what did I pay in tax?","start":780.5,"end":787.3,"sentiment":"neutral","sentiment_score":-0.12096784263849258},{"text":"On a on an eighteen hour working week, I'm only paying gosh.","start":787.3,"end":794.775,"sentiment":"neutral","sentiment_score":-0.0696071491887172},{"text":"What am I paying yet?","start":794.775,"end":795.735,"sentiment":"neutral","sentiment_score":-0.057640630006790164},{"text":"$89 in tax.","start":795.735,"end":797.195,"sentiment":"neutral","sentiment_score":-0.03722630317012469},{"text":"So yeah.","start":797.335,"end":799.435,"sentiment":"neutral","sentiment_score":0.02162021864205599}],"sentiment":"neutral","sentiment_score":-0.08512966884527265,"num_words":41,"start":780.5,"end":799.435},{"sentences":[{"text":"On like, so far, this financial year, I've paid, yeah, 3,600 in tax.","start":799.495,"end":809.66,"sentiment":"neutral","sentiment_score":-0.008035013595452676},{"text":"Yeah.","start":840.11,"end":840.61,"sentiment":"neutral","sentiment_score":-0.025162264704704285},{"text":"I think I think medium term goal for that because, yeah, we've got I'm just literally looking at finances right now.","start":842.67,"end":850.445,"sentiment":"neutral","sentiment_score":0.21394343674182892},{"text":"We have approximately based on eighteen hours of work for me, approximately $2,000 of working income coming in, and 1,400 of that is literally just bills that are going out per week.","start":851.305,"end":867.28,"sentiment":"neutral","sentiment_score":0.1372810103930533},{"text":"So, yeah, that leaves about $600 left over, and that doesn't include any car, groceries, any other discretional spending at all.","start":869.34,"end":880.945,"sentiment":"neutral","sentiment_score":0.056758359961566474}],"sentiment":"neutral","sentiment_score":0.11304673433981159,"num_words":88,"start":799.495,"end":880.945},{"sentences":[{"text":"That's and no paying down credit card debts on that either.","start":880.945,"end":885.265,"sentiment":"neutral","sentiment_score":0.039198729802261696},{"text":"So, yeah, that's not including any gas, water, or electricity either.","start":885.265,"end":890.945,"sentiment":"neutral","sentiment_score":-0.008436034010215239},{"text":"So, yeah, it's a it's a fair whack of money going straight back out every single week.","start":890.945,"end":898.13,"sentiment":"neutral","sentiment_score":0.06919460261569303},{"text":"Yep.","start":910.215,"end":910.715,"sentiment":"neutral","sentiment_score":0.3181026577949524},{"text":"Yep.","start":940.295,"end":940.795,"sentiment":"neutral","sentiment_score":-0.09815351665019988}],"sentiment":"neutral","sentiment_score":0.0423084643737572,"num_words":41,"start":880.945,"end":940.795},{"sentences":[{"text":"Mhmm.","start":1007.93,"end":1008.43,"sentiment":"neutral","sentiment_score":0.05936700850725174},{"text":"Yep.","start":1019.975,"end":1020.475,"sentiment":"neutral","sentiment_score":0.12895865738391876},{"text":"Well, I would say in the middle.","start":1054.255,"end":1055.6951,"sentiment":"neutral","sentiment_score":0.05078130694372313},{"text":"Like, I'm I'm open to taking a little bit of risk.","start":1055.6951,"end":1058.835,"sentiment":"neutral","sentiment_score":0.12850791622291913},{"text":"Definitely wouldn't wanna put it all on black and lose it if it went poorly, but can understand that markets ebb and flow and and, yeah, sometimes you can have wins, sometimes you can have losses as long as you come out mostly pretty intact, I'll be stoked.","start":1059.23,"end":1084.785,"sentiment":"neutral","sentiment_score":-0.031321351299993694}],"sentiment":"neutral","sentiment_score":0.006675838684553609,"num_words":68,"start":1007.93,"end":1084.785},{"sentences":[{"text":"Never.","start":1087.005,"end":1087.505,"sentiment":"neutral","sentiment_score":-0.00621386431157589},{"text":"We have been looking at I know Reece has been looking at buying some shares in gold bullion and silver just as a, like, separate thing with some cash flow that we do have.","start":1090.15,"end":1105.1649,"sentiment":"neutral","sentiment_score":0.03206145012860789},{"text":"Obviously, Reece doesn't really have any idea of what our current standings are financially because he is not in control of anything financially.","start":1106.4249,"end":1119.35,"sentiment":"neutral","sentiment_score":-0.1692378635963668},{"text":"So he he literally wouldn't know what the credit card's at because he can't remember his Internet banking password.","start":1120.37,"end":1126.0701,"sentiment":"neutral","sentiment_score":-0.2129316447596801},{"text":"So he's literally got no idea what the credit card's at, no idea what money's in the drain account, no idea what money is owing on the house, and zero zero idea what our weekly outgoings are and what is in savings.","start":1126.53,"end":1141.2,"sentiment":"neutral","sentiment_score":-0.19057064042204902}],"sentiment":"neutral","sentiment_score":-0.1248593577379439,"num_words":119,"start":1087.005,"end":1141.2},{"sentences":[{"text":"So he he says to me, he's like, that is you tell me how much you need in the transfer of my wage, and then from that, I'll leave off whatever's left over for my discretionary spending, and you just take care of the rest because it's too stressful for me, which is hilarious.","start":1142.24,"end":1160.265,"sentiment":"neutral","sentiment_score":-0.06334544414723361},{"text":"So I literally manage all of that.","start":1161.365,"end":1165.225,"sentiment":"neutral","sentiment_score":0.04434496483632496},{"text":"So he he literally would have no idea how much money we have in savings.","start":1166.165,"end":1169.125,"sentiment":"neutral","sentiment_score":-0.11301875188946724},{"text":"And I if I said to him, you've got $5 to go spend on gold, he would do it.","start":1169.125,"end":1173.76,"sentiment":"neutral","sentiment_score":-0.0386087082718548},{"text":"So I I've made him look in I'm like, if you want it if you want it, I'm I'm happy to do it.","start":1175.18,"end":1180.7,"sentiment":"neutral","sentiment_score":0.05503900146678738}],"sentiment":"neutral","sentiment_score":-0.03621346552430068,"num_words":118,"start":1142.24,"end":1180.7},{"sentences":[{"text":"I'm I'm like, it's $5 that I'm I'm gonna pretend I'll never see again.","start":1180.7,"end":1184.96,"sentiment":"neutral","sentiment_score":-0.11008144642359444},{"text":"So for me, that's how I'm treating it.","start":1185.405,"end":1188.685,"sentiment":"neutral","sentiment_score":-0.027063993737101555},{"text":"I'm like, what out of our savings can I give you that I don't need in the next five to ten years and I'll possibly never see again is how I look at it?","start":1188.685,"end":1197.57,"sentiment":"neutral","sentiment_score":-0.12829065766623793},{"text":"So yep.","start":1198.13,"end":1200.96,"sentiment":"neutral","sentiment_score":0.120727414265275},{"text":"Yes.","start":1257.225,"end":1257.6,"sentiment":"neutral","sentiment_score":0.07055841386318207}],"sentiment":"neutral","sentiment_score":-0.09843256471331342,"num_words":59,"start":1180.7,"end":1257.6},{"sentences":[{"text":"Yeah.","start":1268.96,"end":1269.2,"sentiment":"neutral","sentiment_score":0.06335882097482681},{"text":"Yeah.","start":1269.2,"end":1269.6,"sentiment":"neutral","sentiment_score":0.05230041965842247},{"text":"So I was like, if there's any money, obviously, I've got I've got savings that I have sitting there accumulating interest.","start":1269.6,"end":1279.8251,"sentiment":"neutral","sentiment_score":0.035451922920488176},{"text":"So I've got I've got multiple bank accounts.","start":1281.885,"end":1285.0851,"sentiment":"neutral","sentiment_score":0.04504292458295822},{"text":"But, for example, where all my savings sits is at Up Bank.","start":1285.0851,"end":1290.38,"sentiment":"neutral","sentiment_score":0.04399736908574899}],"sentiment":"neutral","sentiment_score":0.04066189413153848,"num_words":43,"start":1268.96,"end":1290.38},{"sentences":[{"text":"I don't know if you've heard of Up.","start":1290.38,"end":1292.08,"sentiment":"neutral","sentiment_score":-0.009588947868905962},{"text":"So they have this thing called with their savers grow or flow.","start":1294.3,"end":1298.32,"sentiment":"neutral","sentiment_score":0.07777917260924976},{"text":"So if it's an account that you take money, like, so you can set up sub accounts for your savers.","start":1298.965,"end":1305.1449,"sentiment":"neutral","sentiment_score":0.0630616195499897},{"text":"So I've got a sub account for school fees.","start":1305.605,"end":1308.485,"sentiment":"neutral","sentiment_score":0.034200223369730845},{"text":"So I take money out of that every month, but I transfer into it every week.","start":1308.485,"end":1312.5049,"sentiment":"neutral","sentiment_score":0.03725755354389548}],"sentiment":"neutral","sentiment_score":0.04648913455983767,"num_words":65,"start":1290.38,"end":1312.5049},{"sentences":[{"text":"So that's a flow account.","start":1313.13,"end":1314.73,"sentiment":"neutral","sentiment_score":0.12557160556316377},{"text":"So the interest rate on that one is 1.75% per month.","start":1314.73,"end":1320.51,"sentiment":"neutral","sentiment_score":0.08022763715548949},{"text":"But then I've got savings that I don't touch, and we just accumulate it, and I get a 5.1% gross rate on that.","start":1322.09,"end":1332.375,"sentiment":"neutral","sentiment_score":0.09393791919169218},{"text":"It is very good.","start":1332.595,"end":1333.795,"sentiment":"positive","sentiment_score":0.4693833887577057},{"text":"And one of the savings accounts that I don't touch earns approximately a 100 to a $110 in interest per month.","start":1333.795,"end":1344.65,"sentiment":"neutral","sentiment_score":0.04132054169617948}],"sentiment":"neutral","sentiment_score":0.1002531110716518,"num_words":64,"start":1313.13,"end":1344.65},{"sentences":[{"text":"So, yeah, that one's that one's my beefy, juicy one, and I transfer into that $20 each week.","start":1346.9501,"end":1355.875,"sentiment":"neutral","sentiment_score":0.21621516512499916},{"text":"So I'm putting in about $80 a month and getting in about a $100 a month on average in interest.","start":1355.875,"end":1363.335,"sentiment":"neutral","sentiment_score":0.12915330864489077},{"text":"So that's a that's a very healthy one.","start":1365.9801,"end":1368.2201,"sentiment":"neutral","sentiment_score":0.27094911225140095},{"text":"But yeah.","start":1368.2201,"end":1369.02,"sentiment":"neutral","sentiment_score":0.07312209159135818},{"text":"So what I've got here is I've got, like, 14 sub accounts in that up banking that I just have automatic transfers set up to go into each week.","start":1369.02,"end":1380.2401,"sentiment":"neutral","sentiment_score":0.07491931152240984}],"sentiment":"neutral","sentiment_score":0.1423563150713196,"num_words":77,"start":1346.9501,"end":1380.2401},{"sentences":[{"text":"So because I'm a casual.","start":1381.9551,"end":1383.155,"sentiment":"neutral","sentiment_score":0.026703434810042382},{"text":"I've got an annual leave sub account that I transfer into weekly based on however many hours I work.","start":1383.155,"end":1390.675,"sentiment":"neutral","sentiment_score":0.03312981540435239},{"text":"I know the exact amount that I need to transfer based on those hours to equate equate for leave so that if I do take a holiday, I'm not without pay.","start":1390.675,"end":1402.48,"sentiment":"neutral","sentiment_score":0.014588383236719717},{"text":"Does that make sense?","start":1402.48,"end":1403.5399,"sentiment":"neutral","sentiment_score":0.021955177187919617},{"text":"I would say, like, if you if you are writing financially savvy, not the most financially savvy by any stretch, but definitely plan around, like, these are my weekly costs, and I can't afford to go a week without pay.","start":1408.445,"end":1426.33,"sentiment":"neutral","sentiment_score":0.03234371012076735}],"sentiment":"neutral","sentiment_score":0.026230228895490818,"num_words":99,"start":1381.9551,"end":1426.33},{"sentences":[{"text":"So how do I make sure that I can take holiday?","start":1427.03,"end":1430.1699,"sentiment":"neutral","sentiment_score":0.030905235897411},{"text":"I figured out.","start":1430.63,"end":1431.69,"sentiment":"neutral","sentiment_score":0.010038935472645486},{"text":"I don't get annual leave.","start":1432.39,"end":1433.77,"sentiment":"neutral","sentiment_score":-0.02128487266600132},{"text":"What I need for what I need for annual leave.","start":1433.91,"end":1436.145,"sentiment":"neutral","sentiment_score":-0.0038996567018330097},{"text":"Yeah.","start":1454.75,"end":1455.23,"sentiment":"positive","sentiment_score":0.3876616358757019}],"sentiment":"neutral","sentiment_score":0.020410503560560754,"num_words":30,"start":1427.03,"end":1455.23},{"sentences":[{"text":"I guess it comes from the fact that I've always been part time or casual since I turned 18.","start":1455.23,"end":1464.13,"sentiment":"neutral","sentiment_score":0.16419296476401782},{"text":"So I've always I've never been a casual and up until last year.","start":1464.83,"end":1471.315,"sentiment":"neutral","sentiment_score":0.12689667424330345},{"text":"So I've always been part time or full time, so I was automatically getting that, not even thinking about it.","start":1471.375,"end":1478.355,"sentiment":"neutral","sentiment_score":0.1078634588047862},{"text":"And then through no other choice but what the job was that I was offered, I had to go casual.","start":1479.67,"end":1486.0901,"sentiment":"neutral","sentiment_score":0.038248307257890704},{"text":"And for me, I was like, right.","start":1486.79,"end":1488.87,"sentiment":"neutral","sentiment_score":0.06341992691159248}],"sentiment":"neutral","sentiment_score":0.1029809861432148,"num_words":79,"start":1455.23,"end":1488.87},{"sentences":[{"text":"How do I make sure I can still have my holidays?","start":1488.87,"end":1491.37,"sentiment":"neutral","sentiment_score":0.06826887381347743},{"text":"So, yeah, did a bit of googling, figured out the formula, just made a little spreadsheet in Google Sheets and popping in popping your alleyway to pop in your hours worked and it spits out how much do you need to transfer.","start":1491.5901,"end":1504.885,"sentiment":"neutral","sentiment_score":0.10780633799731731},{"text":"So I just do that manually each week.","start":1504.885,"end":1507.225,"sentiment":"neutral","sentiment_score":0.11939850356429815},{"text":"And the bonus on that is I'm earning interest on it because I'm not touching it either because I'm still working.","start":1507.89,"end":1514.7101,"sentiment":"neutral","sentiment_score":0.18149104998225257},{"text":"Thank you.","start":1521.41,"end":1522.0701,"sentiment":"positive","sentiment_score":0.516267940402031}],"sentiment":"neutral","sentiment_score":0.131879282937873,"num_words":84,"start":1488.87,"end":1522.0701},{"sentences":[{"text":"Yep.","start":1534.895,"end":1535.25,"sentiment":"neutral","sentiment_score":0.0001848912361310795},{"text":"Yep.","start":1563.675,"end":1563.915,"sentiment":"neutral","sentiment_score":0.3238266408443451},{"text":"That sounds bright.","start":1563.915,"end":1564.975,"sentiment":"positive","sentiment_score":0.5033910075823466},{"text":"I would say max 30 to 40% drop considering how much is in there currently.","start":1624.62,"end":1631.12,"sentiment":"neutral","sentiment_score":-0.0033902935683727264},{"text":"I mean, at yeah.","start":1632.38,"end":1634.46,"sentiment":"neutral","sentiment_score":0.03082030965015292}],"sentiment":"neutral","sentiment_score":0.07944214124593903,"num_words":24,"start":1534.895,"end":1634.46},{"sentences":[{"text":"Some point in recent, I will wanna retire and travel and also make sure that we can help our kids out.","start":1634.46,"end":1642.535,"sentiment":"neutral","sentiment_score":0.12052714877894946},{"text":"But, yeah, like, obviously, where that my super is sitting at currently is so low because of not working during maternity leaves and etcetera.","start":1645.795,"end":1655.55,"sentiment":"neutral","sentiment_score":-0.06879694658952455},{"text":"So I think for me, I feel like I need to take a bit of risk to try and grow it.","start":1656.5701,"end":1662.5901,"sentiment":"neutral","sentiment_score":-0.22634664754427614},{"text":"And with risk, there's always that it it could go both ways.","start":1662.65,"end":1667.145,"sentiment":"neutral","sentiment_score":-0.1419027547041575},{"text":"I'd take your advice.","start":1694.22,"end":1695.195,"sentiment":"neutral","sentiment_score":0.05674474872648716}],"sentiment":"neutral","sentiment_score":-0.0652340274849316,"num_words":82,"start":1634.46,"end":1695.195},{"sentences":[{"text":"Yeah.","start":1709.595,"end":1709.835,"sentiment":"neutral","sentiment_score":0.146283820271492},{"text":"That that in an ideal world, yeah, that would be that would be right.","start":1709.835,"end":1714.3501,"sentiment":"neutral","sentiment_score":0.18064499433551515},{"text":"I've never seen it drop, so I'm gonna have speculate here.","start":1734.105,"end":1738.7001,"sentiment":"neutral","sentiment_score":-0.08447530560872772},{"text":"And I would be I'd be a little bit nervous, but also, like, I'm I'm not scared by one orange man, if that makes sense.","start":1738.7001,"end":1749.52,"sentiment":"neutral","sentiment_score":-0.08507071912288666},{"text":"I haven't actually ever thought about it.","start":1803.51,"end":1805.325,"sentiment":"neutral","sentiment_score":-0.11506943191800799}],"sentiment":"neutral","sentiment_score":-0.020451183141819363,"num_words":58,"start":1709.595,"end":1805.325},{"sentences":[{"text":"I mean, I kind of think super is like a a bonus thing at the moment.","start":1806.205,"end":1812.705,"sentiment":"neutral","sentiment_score":0.23953768843784928},{"text":"It's my my view on super is, like, it's a bonus that we can use to retire with, but, hopefully, we can set ourselves up with other investments that help us to fund retirement.","start":1813.1649,"end":1825.84,"sentiment":"neutral","sentiment_score":0.3006587449242087},{"text":"Does that make sense?","start":1825.84,"end":1826.8201,"sentiment":"neutral","sentiment_score":0.17175943031907082},{"text":"So I think, like, for myself, like, I'm like, well, it's gonna be a bit of a rough trough for the next five to ten years with little kids.","start":1830.515,"end":1838.375,"sentiment":"neutral","sentiment_score":0.1567659797789208},{"text":"But then after that, hopefully, we free up a bit of cash and can start investing in other things.","start":1839.0751,"end":1844.07,"sentiment":"neutral","sentiment_score":0.2180928772217349}],"sentiment":"neutral","sentiment_score":0.22972564847555524,"num_words":102,"start":1806.205,"end":1844.07},{"sentences":[{"text":"So I'm not really sure how to answer.","start":1847.6699,"end":1850.1699,"sentiment":"neutral","sentiment_score":-0.1320248474366963},{"text":"Hopefully hopefully that yeah.","start":1851.19,"end":1858.07,"sentiment":"neutral","sentiment_score":0.0483815404586494},{"text":"Let's let's go both.","start":1858.07,"end":1859.955,"sentiment":"neutral","sentiment_score":0.07252148445695639},{"text":"Yeah.","start":1863.1549,"end":1863.3949,"sentiment":"neutral","sentiment_score":0.05227436125278473},{"text":"Let's go both.","start":1863.3949,"end":1864.455,"sentiment":"neutral","sentiment_score":0.09174936885635059}],"sentiment":"neutral","sentiment_score":-0.012253210600465535,"num_words":20,"start":1847.6699,"end":1864.455},{"sentences":[{"text":"Go in the middle because I don't I'm not a 100% sure.","start":1865.235,"end":1868.215,"sentiment":"neutral","sentiment_score":-0.046593242014447846},{"text":"Never thought about it.","start":1883.3201,"end":1884.54,"sentiment":"neutral","sentiment_score":-0.07563325203955173},{"text":"Yeah.","start":1900.145,"end":1900.645,"sentiment":"neutral","sentiment_score":0.03273449093103409},{"text":"I mean, a property would be nice, like a commercial property interstate.","start":1900.865,"end":1905.5701,"sentiment":"neutral","sentiment_score":0.04182678375703593},{"text":"Definitely nothing in Victoria.","start":1905.9501,"end":1907.3301,"sentiment":"neutral","sentiment_score":-0.14315809682011604}],"sentiment":"neutral","sentiment_score":-0.027261466775653942,"num_words":33,"start":1865.235,"end":1907.3301},{"sentences":[{"text":"Victoria is a shithole when it comes to investments that cost more than makes.","start":1908.99,"end":1914.29,"sentiment":"negative","sentiment_score":-0.37615791814667837},{"text":"So for us, yeah, if we were to look at something, I I would suggest most likely be industrial commercial property in another state that makes sense, but we'd definitely seek advice before doing it.","start":1914.855,"end":1931.14,"sentiment":"neutral","sentiment_score":-0.06237793756382806},{"text":"Yeah.","start":1935.68,"end":1936.18,"sentiment":"neutral","sentiment_score":0.0498441644012928},{"text":"Yep.","start":1967.73,"end":1968.23,"sentiment":"neutral","sentiment_score":0.053552865982055664},{"text":"I feel like a growth environment sounds good.","start":2076.56,"end":2079.2,"sentiment":"neutral","sentiment_score":-0.14372726064175367}],"sentiment":"neutral","sentiment_score":-0.14399762243285016,"num_words":59,"start":1908.99,"end":2079.2},{"sentences":[{"text":"I mean, it's not growing at an at all currently, so some growth would be nice.","start":2079.2,"end":2085.145,"sentiment":"neutral","sentiment_score":-0.08447692333720624},{"text":"Yep.","start":2105.45,"end":2105.95,"sentiment":"neutral","sentiment_score":0.17560583353042605},{"text":"Sounds good.","start":2106.25,"end":2107.07,"sentiment":"positive","sentiment_score":0.4317166954278946},{"text":"I think to start with, I would probably go for the more aggressive option there for the next two to three years, and then reassess after that to see if we go passive or stay aggressive.","start":2171.385,"end":2188.1401,"sentiment":"neutral","sentiment_score":0.13528470219009453},{"text":"Yeah.","start":2193.9849,"end":2194.305,"sentiment":"neutral","sentiment_score":0.1863645911216736}],"sentiment":"neutral","sentiment_score":0.08471468430278557,"num_words":56,"start":2079.2,"end":2194.305},{"sentences":[{"text":"I I think, like, to start with, because it's so low.","start":2194.305,"end":2197.445,"sentiment":"neutral","sentiment_score":0.13792683658274738},{"text":"I mean, with it being low, taking a little bit more risk doesn't scare me, if that makes sense.","start":2197.9849,"end":2205.63,"sentiment":"neutral","sentiment_score":-0.03467533678600663},{"text":"If it was if my super was double what it is currently, I would probably be a lot more nervous about being aggressive.","start":2208.3499,"end":2216.13,"sentiment":"neutral","sentiment_score":-0.17107867449522018},{"text":"But because it is so low, I'm not super nervous about it at the moment.","start":2217.7898,"end":2224.425,"sentiment":"neutral","sentiment_score":-0.06389919320742289},{"text":"So I'm I'm willing to take a little bit more risk.","start":2224.645,"end":2227.145,"sentiment":"neutral","sentiment_score":-0.030068350955843925}],"sentiment":"neutral","sentiment_score":-0.05526184137391893,"num_words":79,"start":2194.305,"end":2227.145},{"sentences":[{"text":"For question though, like, is it possible say your portfolio is 150,000, is it possible to go a third of that aggressive and then the other half the more safe?","start":2228.885,"end":2242.9302,"sentiment":"neutral","sentiment_score":0.031606586060176294},{"text":"Like, the other two two thirds.","start":2243.71,"end":2246.435,"sentiment":"neutral","sentiment_score":0.008678417031963667},{"text":"Sorry.","start":2249.7751,"end":2250.2751,"sentiment":"neutral","sentiment_score":-0.1546955108642578},{"text":"I mean, that's way down the line.","start":2282.675,"end":2284.44,"sentiment":"neutral","sentiment_score":0.21011783821242197},{"text":"It was just a it was just a throw out question just to see if, like, that is a possibility at all.","start":2286.44,"end":2291.72,"sentiment":"neutral","sentiment_score":-0.15737071870402855}],"sentiment":"neutral","sentiment_score":-0.017359975316194876,"num_words":66,"start":2228.885,"end":2291.72},{"sentences":[{"text":"Like, it's not something I'd be looking at doing immediately, but, like, let's say that you take that 70 k that's there right now, and by this time next year, we're sitting it at a 130.","start":2291.72,"end":2303.5852,"sentiment":"neutral","sentiment_score":0.02130330028012395},{"text":"Like, we've almost doubled it.","start":2304.0452,"end":2305.645,"sentiment":"neutral","sentiment_score":0.18439489752054214},{"text":"I would be like, okay.","start":2305.645,"end":2307.2651,"sentiment":"positive","sentiment_score":0.4659963369369507},{"text":"That's impressive.","start":2307.405,"end":2308.225,"sentiment":"positive","sentiment_score":0.6390818655490875},{"text":"Like, let's go another year of that.","start":2309.645,"end":2311.725,"sentiment":"neutral","sentiment_score":0.24505522208554403}],"sentiment":"neutral","sentiment_score":0.12749864123761653,"num_words":55,"start":2291.72,"end":2311.725},{"sentences":[{"text":"Let's try to make it to 200.","start":2311.725,"end":2313.5051,"sentiment":"neutral","sentiment_score":0.12442262044974736},{"text":"And then from the 200, I'd be like, okay.","start":2313.86,"end":2316.26,"sentiment":"neutral","sentiment_score":0.0653962716460228},{"text":"Well, of that 200, I'd really wanna set the original 70 back into the safe and then put the rest of it in the aggressive, if that makes sense.","start":2316.26,"end":2328.28,"sentiment":"neutral","sentiment_score":0.09880494480503016},{"text":"That's, like, how I would how I would play it just to, like, be like, okay.","start":2328.675,"end":2334.195,"sentiment":"neutral","sentiment_score":0.044279590365476906},{"text":"So we're back to where we were in one of them.","start":2334.195,"end":2337.635,"sentiment":"neutral","sentiment_score":0.0584866079417142}],"sentiment":"neutral","sentiment_score":0.07884297667381664,"num_words":72,"start":2311.725,"end":2337.635},{"sentences":[{"text":"Like, we've grown it to this point.","start":2337.635,"end":2339.815,"sentiment":"neutral","sentiment_score":0.14068523155791418},{"text":"I'm gonna take the original amount, put that back in the safe, and then gonna give you the remainder to just go gung ho.","start":2339.875,"end":2348.0798,"sentiment":"neutral","sentiment_score":0.06547830455626051},{"text":"Like, what have what have we got to lose?","start":2348.38,"end":2350.0598,"sentiment":"neutral","sentiment_score":-0.11259296060436302},{"text":"Because I look at it from my perspective, I look at that as a bonus.","start":2350.0598,"end":2353.66,"sentiment":"neutral","sentiment_score":-0.016800801952679953},{"text":"So you've got that bonus money.","start":2353.66,"end":2356.0798,"sentiment":"neutral","sentiment_score":0.16510625431934992}],"sentiment":"neutral","sentiment_score":0.03740270133511942,"num_words":61,"start":2337.635,"end":2356.0798},{"sentences":[{"text":"And then I didn't have it two years ago.","start":2356.7751,"end":2358.855,"sentiment":"neutral","sentiment_score":-0.06578209830654992},{"text":"So what have I got to lose?","start":2358.855,"end":2361.5151,"sentiment":"neutral","sentiment_score":-0.16200266778469086},{"text":"Mhmm.","start":2370.375,"end":2370.875,"sentiment":"neutral","sentiment_score":-0.007058859802782536},{"text":"Yep.","start":2409.8398,"end":2410.155,"sentiment":"neutral","sentiment_score":0.1023624986410141},{"text":"Yep.","start":2425.93,"end":2426.43,"sentiment":"neutral","sentiment_score":0.1956670880317688}],"sentiment":"neutral","sentiment_score":-0.07553088591483079,"num_words":19,"start":2356.7751,"end":2426.43},{"sentences":[{"text":"Yep.","start":2436.8901,"end":2437.3901,"sentiment":"neutral","sentiment_score":0.31379997730255127},{"text":"Yep.","start":2464.15,"end":2464.65,"sentiment":"neutral","sentiment_score":0.27345260977745056},{"text":"Yeah.","start":2472.145,"end":2472.385,"sentiment":"neutral","sentiment_score":0.08839696645736694},{"text":"Yeah.","start":2472.385,"end":2472.7048,"sentiment":"neutral","sentiment_score":0.06424181908369064},{"text":"I was just curious if it was a an option at all, like, yeah.","start":2472.7048,"end":2477.68,"sentiment":"neutral","sentiment_score":0.05707194030817066}],"sentiment":"neutral","sentiment_score":0.08549436316308048,"num_words":18,"start":2436.8901,"end":2477.68},{"sentences":[{"text":"Because I'm I'm definitely I'm willing to take a little bit of risk on a because it is a lower amount.","start":2477.68,"end":2484.32,"sentiment":"neutral","sentiment_score":0.1438177540188744},{"text":"But if it grew you know, when you're, like, you're at the table and you're playing it and you're like, I started with $5.","start":2484.32,"end":2491.46,"sentiment":"neutral","sentiment_score":0.15489663633828363},{"text":"Alright.","start":2491.725,"end":2492.225,"sentiment":"neutral","sentiment_score":0.23375603556632996},{"text":"I'm up to $50.","start":2492.445,"end":2493.745,"sentiment":"neutral","sentiment_score":0.2689737379550934},{"text":"I either go all in or pull back or give half, keep half.","start":2494.125,"end":2499.665,"sentiment":"neutral","sentiment_score":0.18748876337821668}],"sentiment":"neutral","sentiment_score":0.16642376218759825,"num_words":63,"start":2477.68,"end":2499.665},{"sentences":[{"text":"Like, they're, like, the three options I see.","start":2499.965,"end":2503.0251,"sentiment":"neutral","sentiment_score":0.3027685545384884},{"text":"And I'm like, well, you can't pull it out because you need it to grow.","start":2503.405,"end":2507.2651,"sentiment":"neutral","sentiment_score":0.32005005876223247},{"text":"So that puts you down to keep a safe amount, play the rest.","start":2507.4502,"end":2512.11,"sentiment":"neutral","sentiment_score":0.3193298326088832},{"text":"So I'm kinda like, well, down the track, I definitely would be thinking, do we keep a safe amount and play the rest to see what we can gain?","start":2514.25,"end":2524.295,"sentiment":"neutral","sentiment_score":0.21855955288327975},{"text":"And then, hypothetically, let's say that Race and I had enough super growth combined that we could potentially pull some out and put it on a property and then offer that out by we keep some in super, keep investing in another things, and then we have a property that we have extra cash that we put into that kind of situation.","start":2524.295,"end":2552.335,"sentiment":"neutral","sentiment_score":0.17394239395376174}],"sentiment":"neutral","sentiment_score":0.2243845874047655,"num_words":127,"start":2499.965,"end":2552.335},{"sentences":[{"text":"I don't know if that's even a possibility, but, yeah, just I have no idea if that's even something you can do down the line, but, like, I don't even even know if you're eligible money out of super to do that kind of thing.","start":2552.335,"end":2565.91,"sentiment":"neutral","sentiment_score":-0.10916371738745106},{"text":"But, yeah, that's where my mind goes.","start":2565.91,"end":2568.5498,"sentiment":"neutral","sentiment_score":0.10408862307667732},{"text":"It's like, can you build it up and then invest it in something physical, if that makes sense?","start":2568.5498,"end":2576.025,"sentiment":"neutral","sentiment_score":0.1396781795968612},{"text":"Mhmm.","start":2588.1848,"end":2588.6848,"sentiment":"neutral","sentiment_score":0.06080084294080734},{"text":"Yep.","start":2597.78,"end":2598.28,"sentiment":"neutral","sentiment_score":0.010143239982426168}],"sentiment":"neutral","sentiment_score":-0.022202716739330854,"num_words":72,"start":2552.335,"end":2598.28},{"sentences":[{"text":"Yep.","start":2611.275,"end":2611.775,"sentiment":"neutral","sentiment_score":0.13980603218078613},{"text":"Yep.","start":2617.6748,"end":2618.1748,"sentiment":"neutral","sentiment_score":0.12141963094472884},{"text":"Yep.","start":2641.905,"end":2642.405,"sentiment":"positive","sentiment_score":0.4084513187408447},{"text":"Yep.","start":2649.185,"end":2649.685,"sentiment":"neutral","sentiment_score":0.27993521094322205},{"text":"Yeah.","start":2653.76,"end":2654.0,"sentiment":"neutral","sentiment_score":0.26412129402160645}],"sentiment":"neutral","sentiment_score":0.24274669736623763,"num_words":5,"start":2611.275,"end":2654.0},{"sentences":[{"text":"That sound that sounds good.","start":2654.0,"end":2655.4602,"sentiment":"positive","sentiment_score":0.5157419443130493},{"text":"I mean yeah.","start":2655.52,"end":2656.74,"sentiment":"neutral","sentiment_score":0.2650464673837026},{"text":"We've never had any advice on this kind of stuff.","start":2656.8801,"end":2659.52,"sentiment":"neutral","sentiment_score":-0.12785766385495662},{"text":"So yeah.","start":2659.52,"end":2661.36,"sentiment":"neutral","sentiment_score":-0.051941800862550735},{"text":"We've just kind of, like, we're just being young and winging it and just going with what the norm is, to be honest.","start":2661.36,"end":2668.335,"sentiment":"neutral","sentiment_score":-0.04420139737751173}],"sentiment":"neutral","sentiment_score":0.022668761482765507,"num_words":43,"start":2654.0,"end":2668.335},{"sentences":[{"text":"And then now that we're coming out of the bit of that fog of, alright.","start":2668.335,"end":2674.4949,"sentiment":"neutral","sentiment_score":-0.0916523091495037},{"text":"We're just young and stupid.","start":2674.4949,"end":2675.795,"sentiment":"neutral","sentiment_score":-0.2484966516494751},{"text":"We've got to think about our kids in the future.","start":2676.35,"end":2678.85,"sentiment":"neutral","sentiment_score":-0.14106470644474028},{"text":"We're like, alright.","start":2678.91,"end":2679.71,"sentiment":"neutral","sentiment_score":0.07442545145750046},{"text":"Let's start looking at how we how we do this and future proofing our life.","start":2679.71,"end":2685.23,"sentiment":"neutral","sentiment_score":0.1277394786477089}],"sentiment":"neutral","sentiment_score":-0.03934471720519165,"num_words":48,"start":2668.335,"end":2685.23},{"sentences":[{"text":"Because I'd I'd personally prefer to not be banking on super for my retirement.","start":2685.23,"end":2693.025,"sentiment":"neutral","sentiment_score":-0.025425221771001816},{"text":"I personally prefer to have sort of an investment property that does give us a dividend that means that we can live off that as a form of income and then, you know, keep on doing what we're doing with Super where it just grows on itself.","start":2693.025,"end":2710.58,"sentiment":"neutral","sentiment_score":0.2719035335677735},{"text":"And then when we need it, we can cash it in.","start":2710.72,"end":2712.9001,"sentiment":"neutral","sentiment_score":0.06471679021011699},{"text":"Mhmm.","start":2727.045,"end":2727.545,"sentiment":"neutral","sentiment_score":0.042330190539360046},{"text":"I have no idea what they pay out.","start":2748.915,"end":2750.355,"sentiment":"neutral","sentiment_score":-0.27390842884778976}],"sentiment":"neutral","sentiment_score":0.13563531388839087,"num_words":81,"start":2685.23,"end":2750.355},{"sentences":[{"text":"I do not understand that.","start":2750.355,"end":2751.895,"sentiment":"neutral","sentiment_score":-0.31514381170272826},{"text":"I feel like life insurance is pretty important, but I only have it through my super because once again, costs of living.","start":2752.595,"end":2760.6948,"sentiment":"neutral","sentiment_score":-0.06600771294060079},{"text":"So I think definitely would look at I didn't even know what the TPD means, so that means nothing to me.","start":2761.71,"end":2771.63,"sentiment":"neutral","sentiment_score":-0.0740055280427138},{"text":"I'm you'd have to explain that to me.","start":2771.63,"end":2773.23,"sentiment":"neutral","sentiment_score":-0.05115365004166961},{"text":"But I definitely think it would be good to keep some sort of insurances in place so that should anything happen, it at least gives Reece some breathing space for mortgage cost of living, etcetera.","start":2773.23,"end":2792.03,"sentiment":"neutral","sentiment_score":0.09288627452083996}],"sentiment":"neutral","sentiment_score":-0.019123235430855017,"num_words":91,"start":2750.355,"end":2792.03},{"sentences":[{"text":"Yeah.","start":2794.3298,"end":2794.8298,"sentiment":"neutral","sentiment_score":0.033589743077754974},{"text":"I mean, should something happen to both of us, that would be, hopefully, yeah, hopefully, a very different story.","start":2794.97,"end":2802.43,"sentiment":"neutral","sentiment_score":0.006528770747153382},{"text":"That should Nothing ever does.","start":2802.57,"end":2805.405,"sentiment":"neutral","sentiment_score":-0.05377677232027054},{"text":"But, yeah, you obviously have to plan for these things.","start":2805.405,"end":2808.225,"sentiment":"neutral","sentiment_score":-0.07517664171755314},{"text":"Yep.","start":2842.965,"end":2843.465,"sentiment":"neutral","sentiment_score":-0.08277083933353424}],"sentiment":"neutral","sentiment_score":-0.026271798078798585,"num_words":36,"start":2794.3298,"end":2843.465},{"sentences":[{"text":"In an ideal world, I'd want the best As long as it's coming out of my super and not coming out of my weekly allowances, I'm I'm happy for that to be increased.","start":2859.52,"end":2871.895,"sentiment":"neutral","sentiment_score":0.2345882448734659},{"text":"Yes.","start":2874.2751,"end":2874.7751,"sentiment":"neutral","sentiment_score":0.01421147957444191},{"text":"The the reason I don't have separate life insurance currently is just it's not an affordable thing for us to equate into what we've currently got coming in and going out.","start":2875.395,"end":2887.65,"sentiment":"neutral","sentiment_score":-0.19547947736517077},{"text":"So I've kind of left the super one as well.","start":2888.67,"end":2891.89,"sentiment":"neutral","sentiment_score":0.021151119191199542},{"text":"At least that's something.","start":2892.555,"end":2893.775,"sentiment":"neutral","sentiment_score":0.01852967031300068}],"sentiment":"neutral","sentiment_score":0.025080881458766097,"num_words":79,"start":2859.52,"end":2893.775},{"sentences":[{"text":"But it would be nice for it to be you know, it it would be really lovely for the total payout to be half $1,000,000 so that all mortgage repayments are covered, if that makes sense.","start":2895.355,"end":2911.3,"sentiment":"neutral","sentiment_score":0.26387937718795407},{"text":"If something was to happen, at least, you know, the mortgage is able to be completely paid off.","start":2911.3,"end":2917.48,"sentiment":"neutral","sentiment_score":0.07619017786863777},{"text":"Let me I think it's about that.","start":2928.2651,"end":2929.785,"sentiment":"neutral","sentiment_score":-0.0039279841418777195},{"text":"Hold on one second.","start":2929.785,"end":2930.585,"sentiment":"neutral","sentiment_score":-0.02301678922958672},{"text":"I'll have a quick look at my account.","start":2930.585,"end":2932.125,"sentiment":"neutral","sentiment_score":-0.04280379065312445}],"sentiment":"neutral","sentiment_score":0.14259023848308683,"num_words":73,"start":2895.355,"end":2932.125},{"sentences":[{"text":"No.","start":2932.2651,"end":2932.5051,"sentiment":"neutral","sentiment_score":-0.12588275969028473},{"text":"You're all good.","start":2932.5051,"end":2933.405,"sentiment":"neutral","sentiment_score":0.07633350789546967},{"text":"You're all good.","start":2933.6902,"end":2934.51,"sentiment":"neutral","sentiment_score":0.192054013411204},{"text":"I'm I'm a number blind person, so you can spit numbers at me all night.","start":2935.53,"end":2939.79,"sentiment":"neutral","sentiment_score":-0.16795175423224767},{"text":"Yeah.","start":2940.1702,"end":2940.49,"sentiment":"neutral","sentiment_score":-0.044514358043670654}],"sentiment":"neutral","sentiment_score":-0.0819352550998978,"num_words":23,"start":2932.2651,"end":2940.49},{"sentences":[{"text":"Currently, it's literally just a fraction, like, a very small fraction below $5.20.","start":2940.49,"end":2946.01,"sentiment":"neutral","sentiment_score":-0.06817255942867352},{"text":"So, yeah, call it $5.20.","start":2946.01,"end":2947.3901,"sentiment":"neutral","sentiment_score":-0.0033366970717906954},{"text":"Yeah.","start":2963.97,"end":2964.29,"sentiment":"neutral","sentiment_score":-0.03023394756019115},{"text":"That I'd be sorry to hear.","start":2964.29,"end":2965.75,"sentiment":"neutral","sentiment_score":-0.31527233372131985},{"text":"Yep.","start":2997.92,"end":2998.42,"sentiment":"neutral","sentiment_score":0.07067899405956268}],"sentiment":"neutral","sentiment_score":-0.10592752745231757,"num_words":26,"start":2940.49,"end":2998.42},{"sentences":[{"text":"Yep.","start":3005.535,"end":3006.035,"sentiment":"neutral","sentiment_score":0.27360090613365173},{"text":"My mind says go for the go for the tax, but the logic in me is like, like, how much is that gonna cost me?","start":3074.5251,"end":3086.2,"sentiment":"neutral","sentiment_score":-0.020008596405386925},{"text":"Yes.","start":3089.2998,"end":3089.7998,"sentiment":"neutral","sentiment_score":0.124521404504776},{"text":"Yes.","start":3094.675,"end":3095.0752,"sentiment":"neutral","sentiment_score":0.08715255558490753},{"text":"That that actually yes, please.","start":3095.0752,"end":3097.155,"sentiment":"neutral","sentiment_score":0.1353838175535202}],"sentiment":"neutral","sentiment_score":0.02005997102594737,"num_words":33,"start":3005.535,"end":3097.155},{"sentences":[{"text":"If you can do that, I'll I can if I see the figures in front of me, I can make a decision from there.","start":3097.155,"end":3105.095,"sentiment":"neutral","sentiment_score":0.261981051415205},{"text":"Does that make sense?","start":3105.235,"end":3106.26,"sentiment":"neutral","sentiment_score":0.1620965488255024},{"text":"Love that.","start":3111.3801,"end":3112.12,"sentiment":"neutral","sentiment_score":0.199344202876091},{"text":"Love that.","start":3118.66,"end":3119.4,"sentiment":"positive","sentiment_score":0.34955546259880066},{"text":"Yep.","start":3119.62,"end":3120.12,"sentiment":"neutral","sentiment_score":0.19723515212535855}],"sentiment":"neutral","sentiment_score":0.24942320946491126,"num_words":33,"start":3097.155,"end":3120.12},{"sentences":[{"text":"Love that.","start":3120.18,"end":3120.735,"sentiment":"positive","sentiment_score":0.47636187076568604},{"text":"Yeah.","start":3152.925,"end":3153.325,"sentiment":"neutral","sentiment_score":0.09406851977109908},{"text":"I'm comfortable with that.","start":3153.325,"end":3154.625,"sentiment":"neutral","sentiment_score":0.13108420185744762},{"text":"Yeah.","start":3171.25,"end":3171.75,"sentiment":"neutral","sentiment_score":-0.026119081303477287},{"text":"No.","start":3184.095,"end":3184.335,"sentiment":"neutral","sentiment_score":-0.28117650747299194}],"sentiment":"neutral","sentiment_score":0.14042594221731028,"num_words":9,"start":3120.18,"end":3184.335},{"sentences":[{"text":"I'm happy with the life in TPD.","start":3184.335,"end":3185.635,"sentiment":"neutral","sentiment_score":-0.18577183144433157},{"text":"Honestly, the income protection, I'm not super worried about because yeah.","start":3185.695,"end":3191.055,"sentiment":"neutral","sentiment_score":0.08014693788506767},{"text":"I mean, I've got currently more in savings than I've earned in the last year.","start":3191.055,"end":3197.79,"sentiment":"neutral","sentiment_score":0.12777366638183593},{"text":"Like, it only it only covers me for a year, but it only covers me for a year, but, you know, like, it that's better than nothing.","start":3201.85,"end":3208.935,"sentiment":"neutral","sentiment_score":0.09334123141511723},{"text":"I try to always keep if it makes sense, I've I've tried to always keep minimum three months worth of mortgage repayments aside so that should anything happen where I lose my job, I've got three months to make shit happen.","start":3209.395,"end":3223.87,"sentiment":"neutral","sentiment_score":0.00991646404855135}],"sentiment":"neutral","sentiment_score":0.043807987787640924,"num_words":101,"start":3184.335,"end":3223.87},{"sentences":[{"text":"I think currently, I've got I'll do some quick math on it.","start":3224.49,"end":3230.1902,"sentiment":"neutral","sentiment_score":0.05947597914685806},{"text":"Yeah.","start":3238.035,"end":3238.275,"sentiment":"neutral","sentiment_score":0.04651516675949097},{"text":"I've got about four months worth of mortgage repayments set aside in one account that doesn't get touched at all.","start":3238.275,"end":3246.935,"sentiment":"neutral","sentiment_score":0.025519696157425643},{"text":"So, yes, how we roll.","start":3247.155,"end":3250.83,"sentiment":"neutral","sentiment_score":0.2546549513936043},{"text":"Yep.","start":3256.17,"end":3256.67,"sentiment":"neutral","sentiment_score":0.04063243791460991}],"sentiment":"neutral","sentiment_score":0.06626994960392132,"num_words":39,"start":3224.49,"end":3256.67},{"sentences":[{"text":"Yep.","start":3257.21,"end":3257.69,"sentiment":"neutral","sentiment_score":0.03550531715154648},{"text":"So I can tell you exactly.","start":3257.69,"end":3260.75,"sentiment":"neutral","sentiment_score":0.03003607162584861},{"text":"So offset has 14,000.","start":3262.125,"end":3265.905,"sentiment":"neutral","sentiment_score":0.012809015810489655},{"text":"Savings, 36 thousand.","start":3269.085,"end":3273.985,"sentiment":"neutral","sentiment_score":0.03417054315408071},{"text":"And then current, apart from mortgage, current debt is sitting at about 6,000.","start":3275.645,"end":3281.28,"sentiment":"neutral","sentiment_score":0.023998990798225768}],"sentiment":"neutral","sentiment_score":0.025239122962510144,"num_words":27,"start":3257.21,"end":3281.28},{"sentences":[{"text":"Correct.","start":3322.525,"end":3323.025,"sentiment":"neutral","sentiment_score":0.17515403032302856},{"text":"Reason I have not had that conversation.","start":3341.1902,"end":3342.8901,"sentiment":"neutral","sentiment_score":-0.1897452175617218},{"text":"It is something that we very much need to do though.","start":3343.4302,"end":3346.57,"sentiment":"neutral","sentiment_score":-0.1532277620651505},{"text":"It's definitely, like, literally been on our minds for the last seven years of, like, something that we really need to do, but we just have not got around to it.","start":3347.83,"end":3357.8052,"sentiment":"neutral","sentiment_score":-0.06404814039987902},{"text":"Obviously, we need to have power of attorney for our kids as well, and everything's set up for if something happens to one of us and if something happens to both of us, what happens to our kids, that kind of thing.","start":3357.865,"end":3372.21,"sentiment":"neutral","sentiment_score":-0.00006052353862850443}],"sentiment":"neutral","sentiment_score":-0.052463067568960076,"num_words":92,"start":3322.525,"end":3372.21},{"sentences":[{"text":"Yeah.","start":3372.99,"end":3373.23,"sentiment":"neutral","sentiment_score":-0.008546870201826096},{"text":"We need we need to do all of that.","start":3373.23,"end":3375.01,"sentiment":"neutral","sentiment_score":-0.037958383560180664},{"text":"We kinda buried our heads in the sand about it, to be honest.","start":3375.87,"end":3378.53,"sentiment":"neutral","sentiment_score":-0.227932951771296},{"text":"But, yeah, we need to get that sorted for our kids' sakes and what we want for our kids.","start":3379.07,"end":3385.2651,"sentiment":"neutral","sentiment_score":0.09568965768343524},{"text":"Yep.","start":3402.74,"end":3403.24,"sentiment":"neutral","sentiment_score":0.21845243871212008}],"sentiment":"neutral","sentiment_score":-0.02969173861797466,"num_words":43,"start":3372.99,"end":3403.24},{"sentences":[{"text":"No.","start":3447.225,"end":3447.705,"sentiment":"neutral","sentiment_score":-0.15455976128578186},{"text":"There's literally nothing else that I can think of.","start":3447.705,"end":3450.82,"sentiment":"neutral","sentiment_score":-0.09066862281825808},{"text":"Yeah.","start":3450.82,"end":3450.98,"sentiment":"neutral","sentiment_score":0.2660698890686035},{"text":"This is a very new concept to me.","start":3450.98,"end":3453.08,"sentiment":"positive","sentiment_score":0.5609101504087448},{"text":"So, like, I've literally just been I've just been winging it, to be honest.","start":3455.46,"end":3459.64,"sentiment":"neutral","sentiment_score":-0.006706680836422103}],"sentiment":"neutral","sentiment_score":0.11178424830238025,"num_words":33,"start":3447.225,"end":3459.64},{"sentences":[{"text":"Kind of, like, trying to live within a budget, plan within a budget, and then just winging it.","start":3460.82,"end":3467.375,"sentiment":"neutral","sentiment_score":0.07245262808606236},{"text":"Never saw any financial advice previously.","start":3467.595,"end":3470.5752,"sentiment":"neutral","sentiment_score":-0.06175724665323893},{"text":"So No.","start":3470.715,"end":3482.92,"sentiment":"neutral","sentiment_score":-0.03407519310712814},{"text":"I think that's pretty bang on for current.","start":3482.92,"end":3485.5,"sentiment":"neutral","sentiment_score":-0.17504039499908686},{"text":"I'm literally in the process of getting all my life together to do a bit of a pulse check on our mortgage to see if it's worth remortgaging at all to get a lower rate.","start":3486.5999,"end":3505.435,"sentiment":"neutral","sentiment_score":0.023321537460599628}],"sentiment":"neutral","sentiment_score":0.004078030297735139,"num_words":69,"start":3460.82,"end":3505.435},{"sentences":[{"text":"Obviously, the equity in the property has grown in the last I think we haven't checked our mortgage in four years.","start":3507.15,"end":3513.73,"sentiment":"neutral","sentiment_score":0.05474123855431875},{"text":"So the equity in our property has definitely grown in that time.","start":3513.79,"end":3517.47,"sentiment":"neutral","sentiment_score":0.1526075800259908},{"text":"So, yeah, just seeing what we can do with what we've got.","start":3517.47,"end":3521.985,"sentiment":"neutral","sentiment_score":0.1398609777291616},{"text":"Last time we did it, we paid off our car and then kind of took out a bit extra just to sit there in the offset.","start":3522.5251,"end":3531.8,"sentiment":"neutral","sentiment_score":0.05571818373237665},{"text":"That's a bit of a safety net because we had $0 at the time.","start":3532.74,"end":3536.52,"sentiment":"neutral","sentiment_score":0.07832691632211208}],"sentiment":"neutral","sentiment_score":0.08475809774416335,"num_words":85,"start":3507.15,"end":3536.52},{"sentences":[{"text":"But, yeah, now we're, like, right.","start":3537.3,"end":3538.98,"sentiment":"neutral","sentiment_score":0.05336913280189037},{"text":"We've we haven't checked on it in a few years.","start":3538.98,"end":3541.1401,"sentiment":"neutral","sentiment_score":0.03221626952290535},{"text":"It's time to just do a bit of a pulse check on it and see what we can achieve.","start":3541.1401,"end":3546.165,"sentiment":"neutral","sentiment_score":0.1003170944750309},{"text":"If we need to swap banks again, I don't know.","start":3547.105,"end":3550.005,"sentiment":"neutral","sentiment_score":-0.0022651780396699905},{"text":"But I'll have a look at it.","start":3550.625,"end":3552.2449,"sentiment":"neutral","sentiment_score":0.1644462203340871}],"sentiment":"neutral","sentiment_score":0.07070911632707486,"num_words":52,"start":3537.3,"end":3552.2449},{"sentences":[{"text":"Sounds good.","start":3569.11,"end":3569.59,"sentiment":"positive","sentiment_score":0.3911731541156769},{"text":"Yeah.","start":3569.59,"end":3569.83,"sentiment":"neutral","sentiment_score":0.25050583481788635},{"text":"We, yeah, we're very lucky where we live.","start":3569.83,"end":3571.83,"sentiment":"positive","sentiment_score":0.41951556503772736},{"text":"We're in a good growth pocket.","start":3571.83,"end":3573.27,"sentiment":"positive","sentiment_score":0.4902910590171814},{"text":"So, I mean, that's the original mortgage was, I think, May about seven and a half years ago.","start":3573.27,"end":3585.285,"sentiment":"neutral","sentiment_score":0.14300979818734857}],"sentiment":"neutral","sentiment_score":0.2829971252807549,"num_words":35,"start":3569.11,"end":3585.285},{"sentences":[{"text":"So we did pay down a fair chunk of it because we redrew on that as well.","start":3586.145,"end":3590.01,"sentiment":"neutral","sentiment_score":0.11152322327389437},{"text":"We've redrawn twice on it.","start":3590.01,"end":3591.7102,"sentiment":"neutral","sentiment_score":0.08416154831647873},{"text":"So we've paid down a fair chunk considering what interest we're paying, but also the property value has massively gone up.","start":3592.01,"end":3600.81,"sentiment":"neutral","sentiment_score":0.08251708284730003},{"text":"So that's the kind of growth that we've had you'd expect in ten to fifteen years to maybe reach where we are now.","start":3600.81,"end":3609.305,"sentiment":"neutral","sentiment_score":0.07558699632468431},{"text":"And I would say the price of our house has steadily been is about that for the last two years.","start":3610.405,"end":3614.965,"sentiment":"neutral","sentiment_score":0.06728593800216913}],"sentiment":"neutral","sentiment_score":0.08295094130863977,"num_words":86,"start":3586.145,"end":3614.965},{"sentences":[{"text":"So yeah.","start":3614.965,"end":3617.41,"sentiment":"neutral","sentiment_score":0.19816084578633308},{"text":"Very lucky.","start":3617.41,"end":3619.03,"sentiment":"positive","sentiment_score":0.44660212099552155},{"text":"Yep.","start":3644.135,"end":3644.61,"sentiment":"neutral","sentiment_score":0.02338060736656189},{"text":"Yeah.","start":3648.05,"end":3648.55,"sentiment":"neutral","sentiment_score":0.03326225280761719},{"text":"Absolutely.","start":3648.85,"end":3649.35,"sentiment":"neutral","sentiment_score":0.17388959228992462}],"sentiment":"neutral","sentiment_score":0.21715119800397328,"num_words":7,"start":3614.965,"end":3649.35},{"sentences":[{"text":"No.","start":3672.99,"end":3673.47,"sentiment":"neutral","sentiment_score":-0.17064791917800903},{"text":"No.","start":3673.47,"end":3673.95,"sentiment":"neutral","sentiment_score":-0.1657862663269043},{"text":"Thank you so much for your time.","start":3673.95,"end":3675.57,"sentiment":"neutral","sentiment_score":0.04289876563208444},{"text":"I have no other questions.","start":3675.63,"end":3677.01,"sentiment":"neutral","sentiment_score":0.06386192254722119},{"text":"I love it.","start":3684.03,"end":3684.93,"sentiment":"positive","sentiment_score":0.849083681901296}],"sentiment":"neutral","sentiment_score":0.16649516660939245,"num_words":17,"start":3672.99,"end":3684.93},{"sentences":[{"text":"Sounds great.","start":3698.505,"end":3699.36,"sentiment":"positive","sentiment_score":0.7808670997619629},{"text":"Thank you so much for your time, Dana.","start":3699.52,"end":3701.06,"sentiment":"positive","sentiment_score":0.7729471176862717},{"text":"No worries.","start":3707.4402,"end":3708.0,"sentiment":"neutral","sentiment_score":0.2459084689617157},{"text":"Thanks, mate.","start":3708.0,"end":3708.9001,"sentiment":"positive","sentiment_score":0.5653698146343231}],"sentiment":"positive","sentiment_score":0.6691334077290126,"num_words":14,"start":3698.505,"end":3708.9001}]}}]}],"paragraphs":{"transcript":"\nChannel 1: If you\n\nChannel 0: Three.\n\nChannel 1: record your name and reason for calling, I'll see if this person is available.\n\nChannel 0: Dana Oakley Financial.\n\nChannel 1: Thanks. Dana Oke. Please stay on the line. Hello. Elise speaking.\n\nChannel 0: Hi, Elise. It's Dana from OKIE Financial. How are you this morning?\n\nChannel 1: Good. Thanks, Dana. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in today just to have a bit more of an in-depth conversation around looking at for getting some financial advice and how we can help with your goals. Is now still a good\n\nChannel 1: Yes.\n\nChannel 0: time there for\n\nChannel 1: Absolutely.\n\nChannel 0: you? Oh, fantastic. How's your morning been so far?\n\nChannel 1: Yeah. Not too bad.\n\nChannel 0: Yeah. Fantastic. Well, I'll try not to take up too much of your time. Before we jump into the call, just to let you know, we do record our calls for quality and training purpose. Is he happy to submit a proceed with that?\n\nChannel 1: Yep. Go ahead.\n\nChannel 0: Fantastic. So, Ali, thank you so much for your time. Just to sort of run through, I know you've done quite a bit of the research there with Madison. I'll just go through and update anything that I might be missing here, and we'll have a bit more of a conversation on what your goals are, what you're looking for in the way of financial advice, and anything I'd just might need to be able to put that together for you. Okay?\n\nChannel 1: Yep.\n\nChannel 0: Fantastic. The first thing that seems that I'm missing here is your date of birth. Can I grab that off you?\n\nChannel 1: Yep. 06/20/1989.\n\nChannel 0: 06/25/1989. Beautiful. Thank you so much for that. And when you look forward I know you've got a lot of time ahead of you. You're still very young.\n\nBut when you look forward towards your retirement goals, do you know what kind of age you're hoping to maybe stop work and the other access you're super in the future?\n\nChannel 1: I mean, ideally, by mid sixties, you'd wanna be part time at most.\n\nChannel 0: Yeah.\n\nChannel 1: And then by the end of, like, going into your seventies, if if still wanting to work, can but don't have to.\n\nChannel 0: Yeah. Absolutely. Perfect. I'll pop that in here for you. Fantastic.\n\nAnd have you ever thought of no. Not everyone has, but have you ever sort of thought of what kind of income you might be looking to draw down or live off in those retirement years? If you haven't, that's honestly okay.\n\nChannel 1: I actually haven't because\n\nChannel 0: Yeah.\n\nChannel 1: who can predict what it's gonna cost to actually live in the next five years alone?\n\nChannel 0: I know.\n\nChannel 1: Like, how many wars can we have that will just drive up the cost of absolutely everything? I mean, I\n\nChannel 0: Absolutely.\n\nChannel 1: honestly I honestly couldn't have predicted that life was gonna get more expensive this year\n\nChannel 0: Yeah.\n\nChannel 1: by the rate that it has. And I do wonder\n\nChannel 0: Yeah.\n\nChannel 1: how much longer it's gonna get really sky high for. Like, are we looking at another two to three years of it just growing and then it might level out for a little bit? Who knows?\n\nChannel 0: Yeah. No. Absolutely. We'll just wait and see what comes from that. Absolutely.\n\nAll good. And I can see here now double checking your your surname. Is that still Farro the same as Reza's?\n\nChannel 1: Yep. Correct.\n\nChannel 0: Okay. Perfect. And I've got your Superfund here under your previous your maiden name. It's under Bulger. Is that right?\n\nChannel 1: Yeah. I have no idea why it is under that, but yes. Yes. It is.\n\nChannel 0: That's absolutely okay.\n\nChannel 1: I think\n\nChannel 0: That's\n\nChannel 1: it's\n\nChannel 0: not\n\nChannel 1: something\n\nChannel 0: a problem.\n\nChannel 1: to do with the ATO.\n\nChannel 0: Yep.\n\nChannel 1: For some bizarre reason at the ATO, even though I've legally changed my name and I'm fairly sure I've put it in with them, I'm still down as a Bulger.\n\nChannel 0: Okay. No. That's alright. We can honestly, as part of the advice, we can help you to to change that name. It's not a problem at all.\n\nIs Farah on your driver's license or your ID?\n\nChannel 1: Yes. On my\n\nChannel 0: Yep.\n\nChannel 1: driver's license, all my bank cards, my\n\nChannel 0: Yep.\n\nChannel 1: Medicare. It's not on my passport\n\nChannel 0: Everything.\n\nChannel 1: because I haven't renewed my passport, but I will be\n\nChannel 0: Yep.\n\nChannel 1: doing that at, hopefully, some stage this year.\n\nChannel 0: Yep. Fantastic. No. Not a problem at all. Excellent.\n\nWe can certainly help you to change the name on your super fund as part of the implementation process if you take on the advice, so it's not an issue in any way, shape, or form. Okay?\n\nChannel 1: Yep. Beautiful.\n\nChannel 0: Beautiful. Now I can see here that you're working around about eighteen hours per week at the moment. Is that likely to change in the future, or is that fairly stock standard for what you work?\n\nChannel 1: I'm hoping to average out at eighteen.\n\nChannel 0: Yep.\n\nChannel 1: As I said to Maddie last week, I am a casual, so\n\nChannel 0: Yeah.\n\nChannel 1: it can be dependent on the work that's coming in and and also my availability. So, obviously, over school\n\nChannel 0: Yep.\n\nChannel 1: holidays, I took a step back a little bit from work to look after the kids,\n\nChannel 0: Yep.\n\nChannel 1: but I'm hopeful to steady at 18. Some some weeks, I get way more. Some weeks, I get\n\nChannel 0: Yeah.\n\nChannel 1: way less. So\n\nChannel 0: Yep.\n\nChannel 1: I think on average, if we go of an average of 18, I think we're looking pretty healthy.\n\nChannel 0: Beautiful. Excellent. And you're on you're, sorry, under that $45 per hour. Is that right?\n\nChannel 1: Correct.\n\nChannel 0: Yeah. Beautiful. I've got down here that you're averaging on a yearly basis around about 50 to 60,000. Does that sound about right?\n\nChannel 1: I believe you. I actually\n\nChannel 0: Yeah.\n\nChannel 1: haven't I could have a look. Hold on. I could have a\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: You're right.\n\nChannel 1: I can have a look at last year's payslips. Hold on one second. I'll\n\nChannel 0: Not\n\nChannel 1: have a\n\nChannel 0: a\n\nChannel 1: look\n\nChannel 0: worry.\n\nChannel 1: at all final payslip for last year. What do we got here? Okay. So alright. It keeps scrolling back.\n\nI get paid weekly, so there's a lot of payslips to filter through here. Okay. So from the wellness studio in total last year, I was paid just a little bit over 13 k, so $13.00 $7.02. And I did have a job at I had another job. He hasn't paid my super either.\n\nThe last week of the I finished up in, like, February, I reckon, at that job last year. So I'm just having a quick look. It's very you know, what's really difficult is I don't know if you have kids with childcare subsidies.\n\nChannel 0: Yes. Yes. It's hard.\n\nChannel 1: They literally so they'll come out, I think it's, like, at the start of I reckon it's around April, May, and\n\nChannel 0: Yep.\n\nChannel 1: we'll say, oh, this is what we expect you to earn in the next the next year.\n\nChannel 0: Yep.\n\nChannel 1: And and it's very interesting because you're like, well, I don't know how much am I gonna be working. So how do I actually fill that out?\n\nChannel 0: Absolutely. And they index that. They sort of assume you're gonna earn more next year than you did this\n\nChannel 1: Correct.\n\nChannel 0: year, which is not always the case.\n\nChannel 1: Well, like, Reese, basically, you'll see on his, he's basically on the same mobile last six years because he hasn't had a pay rise in six years.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So he, like and I've gotta I've gotta do it for both of us, so it makes it\n\nChannel 0: Yep.\n\nChannel 1: really difficult. I over inflate by 10 to 20 k each of us\n\nChannel 0: Yep. Yep.\n\nChannel 1: just because you never actually know what we're gonna work. I\n\nChannel 0: Yeah.\n\nChannel 1: do get it back, but it it just you take a bite during the year. Okay.\n\nChannel 0: Yeah.\n\nChannel 1: So last financial year, I earned $49.03 $8.4.12 in total, I think.\n\nChannel 0: Okay.\n\nChannel 1: And then this\n\nChannel 0: Perfect.\n\nChannel 1: this year so far, I am sitting at this financial year. I'm up to just shy of 30 two. So I'm at $31.09 $4.09 at current.\n\nChannel 0: Beautiful. Not a problem at all. I can sort of work it out and average it for you. I can\n\nChannel 1: Yep.\n\nChannel 0: see here Maddie's left a note that your employer hasn't been paying your contributions as of yet, but they are due to start. Is that right?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Okay. Have they kinda given you any idea as to when those contributions should start going into your super on a regular basis?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. The but they are like, they are guaranteeing they are gonna start that fairly soon for you.\n\nChannel 1: Yeah. I would assume so. I'll I'll send him a I'll flag it again with him, but I'm\n\nChannel 0: Yeah.\n\nChannel 1: not I said to Maddie, I'm not stressed about it because there is a super guarantee. Like, it's the law that it has to be\n\nChannel 0: Yes.\n\nChannel 1: paid.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: Absolutely.\n\nChannel 1: that it doesn't stress me out at all because I do know\n\nChannel 0: Yes.\n\nChannel 1: that it legally has to be paid.\n\nChannel 0: Yes.\n\nChannel 1: And I have had super guarantees. You'll see on those the paperwork that I sent through to Maddie. I have had the super guarantees previously. So I do know that they they do come through\n\nChannel 0: Yep.\n\nChannel 1: and\n\nChannel 0: Okay.\n\nChannel 1: how what they look like on your super fund.\n\nChannel 0: Yep. Perfect. The main source of the reasons that are going into that is with the with the advice we do provide, we are sort of looking to make sure the contributions do go in from your employer because that kinda helps to factor into growth and making your super work a bit harder.\n\nChannel 1: Yep.\n\nChannel 0: So we do assume contributions going in as part of the advice to sort of show you long term effect and compounding of that with projection tables. Are\n\nChannel 1: Yep.\n\nChannel 0: you comfortable with me just working out the average and kind of even if it's a lower form of contribution, just adding that in there to sort of show you how that should look with your employer contributions going in.\n\nChannel 1: Yeah. I'm I'm happy for\n\nChannel 0: Yep.\n\nChannel 1: you to do that. And\n\nChannel 0: Beautiful.\n\nChannel 1: I am going to send. I'm just writing a note. I'm gonna send you that to your contributions.\n\nChannel 0: Yeah. Because, I mean, you're the one that's getting disadvantaged by them not doing that because that money going in on a regular basis, it helps yourself if they kinda hold off into that as a lump sum later down the track. It only really disadvantages you, unfortunately. So, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: they should\n\nChannel 1: I\n\nChannel 0: have\n\nChannel 1: think\n\nChannel 0: to be\n\nChannel 1: the\n\nChannel 0: putting\n\nChannel 1: law's\n\nChannel 0: those in\n\nChannel 1: changing\n\nChannel 0: on a regular\n\nChannel 1: around that,\n\nChannel 0: basis.\n\nChannel 1: isn't it?\n\nChannel 0: It is. Yep. It's gonna be\n\nChannel 1: Yeah.\n\nChannel 0: payday. So as as per your pay, if you get paid weekly, then your contributions very shortly are gonna have to start going in via pay as well. So you should\n\nChannel 1: When does\n\nChannel 0: be receiving\n\nChannel 1: that come into\n\nChannel 0: those\n\nChannel 1: effect?\n\nChannel 0: every week, that June, July.\n\nChannel 1: And that will be lower as well, isn't it?\n\nChannel 0: It is yep. Absolutely. So if you get paid weekly, your contributions will have to go in weekly, which will give you full proper dollar cost averaging, which is more of a benefit for yourself because putting money in on a regular basis help with the compounding effect, but we like to look at dollar cost averaging, which is putting regular amounts of money in at smaller intervals. So once a week means you're really taking advantage of the market ups and downs\n\nChannel 1: Yep.\n\nChannel 0: and putting smaller amounts in on on a more regular basis, which can provide a greater benefit long term for you. So it's not a bad thing at all. It's gonna annoy employers, but it's a really great thing for yourself to have true dollar cost averaging\n\nChannel 1: But\n\nChannel 0: with your super.\n\nChannel 1: looking as someone who runs the budget of the household, if\n\nChannel 0: Yeah.\n\nChannel 1: you break it down into weekly, it's so much more palatable. So\n\nChannel 0: Oh,\n\nChannel 1: it\n\nChannel 0: absolutely.\n\nChannel 1: might actually you know, for for him, it might be a a much more palatable thing. Because if you're working\n\nChannel 0: Yeah.\n\nChannel 1: off eighteen hours a week, it should only be, yeah, $97.20 that he has to pay out weekly. Whereas, you know, current outstanding for this financial year is sitting close to $4, which is not palatable\n\nChannel 0: Yeah.\n\nChannel 1: if you're\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: you know what I'm\n\nChannel 0: No.\n\nChannel 1: saying?\n\nChannel 0: Abs absolutely. Absolutely. Well, I'll factor that into the advice, and, hopefully, he does start paying those very soon. And,\n\nChannel 1: Yep.\n\nChannel 0: Midlief, you decide to take on the advice and move forward to implement it, we'll be making sure that those do come in, and we can do what we can to help you. But, yeah, we'll just wanna make sure we see those coming in because it's it's, you know, to your advantage, this is part of your wage, part of your income, so you actually wanna make sure you do receive those funds. Yeah.\n\nChannel 1: Yeah. A 100\n\nChannel 0: All\n\nChannel 1: percent.\n\nChannel 0: good.\n\nChannel 1: Agree.\n\nChannel 0: All good. And they should be paying about 12%. You don't get anything additional over and above that 12%?\n\nChannel 1: No. No. I just get\n\nChannel 0: No.\n\nChannel 1: whatever the stock standard is is\n\nChannel 0: Yep.\n\nChannel 1: what\n\nChannel 0: No worries\n\nChannel 1: I\n\nChannel 0: at all.\n\nChannel 1: receive.\n\nChannel 0: You're not salary sacrificing anything additional to Super at the moment?\n\nChannel 1: Apparently, no. Like, we're every\n\nChannel 0: No.\n\nChannel 1: cent here is being absolutely watched at the moment. So no.\n\nChannel 0: Yeah.\n\nChannel 1: Not not salary sacrificing currently.\n\nChannel 0: Yep.\n\nChannel 1: That is not not on the agenda at current, but open\n\nChannel 0: Nope.\n\nChannel 1: to it.\n\nChannel 0: Yep. That's\n\nChannel 1: If\n\nChannel 0: okay.\n\nChannel 1: it if it man if, like, it makes sense, yeah, open to it.\n\nChannel 0: Yeah.\n\nChannel 1: I mean, I don't pay that much tax, to be honest, because, like, what did I pay in tax? On a on an eighteen hour working week, I'm only paying gosh. What am I paying yet? $89 in tax. So\n\nChannel 0: Yeah. Yep.\n\nChannel 1: yeah. On like, so far, this financial year, I've paid, yeah, 3,600 in tax.\n\nChannel 0: Yeah. No. That's okay. That's not a problem at all. I mean, from a tax perspective, there's not really a lot to gain in doing it.\n\nIt's more just whether you're open to doing so to kinda help with the compounding effect and get you super growing and working harder long term for your retirement. But the other thing is with having young kids as well, it does mean your take home pay is gonna reduce. So if you're not comfortable doing that right now, we can always hold that off and make it something we reassess in the medium term as, you know, as your life changes. Did you want me to push put that\n\nChannel 1: Yeah.\n\nChannel 0: back a little bit into May maybe a medium term goal? Yep.\n\nChannel 1: I think I think medium term goal for that because, yeah, we've got I'm just literally looking at finances right now.\n\nChannel 0: Yep.\n\nChannel 1: We have approximately based on eighteen hours of work for me, approximately $2,000 of working income coming in, and 1,400 of that is literally just bills\n\nChannel 0: Yep.\n\nChannel 1: that are going out per week.\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: So, yeah, that leaves about $600 left over, and that doesn't include any car, groceries, any other discretional spending at all. That's\n\nChannel 0: Yep.\n\nChannel 1: and no paying down credit card debts on that either. So, yeah, that's not including any gas, water, or electricity either. So, yeah, it's a it's a fair whack of money going straight back out every single week.\n\nChannel 0: Yes. Yeah. No. That's okay. That's not a problem at all.\n\nWe'll make that a medium term goal. We can always reassess that in the future, and for now, we'll just focus on that 12% for your employer contributions. Easy\n\nChannel 1: Yep.\n\nChannel 0: done. When we are looking at your sleep, we also wanna look at how to invest money. So there are different risk profiles through different people and different ages and stages. What we wanna do is we, unlike the industry fund, you probably just been popped into the most, you know, what their average risk profile is and their average investment class, but we have to look at it a bit deeper. So we look at your age and stage, where you are, how long you have until you wanna a super and that's why we look at your goals.\n\nWe look at your age that you're wanting to hopefully retire and work from now till that age. When\n\nChannel 1: Yep.\n\nChannel 0: you have a longer time, say, twenty or thirty years, you can take on a bit more risk in the market to try and get greater potential returns knowing that greater risk does save the a larger likelihood of a negative return. So we do see ups and downs in the short term that can make us a bit nervous in the markets. When we're older and closer to retiring, we don't wanna take that kind of risk in the market. So we do what's called a risk profile questionnaire. It's rounded at 14 old questions.\n\nI they're all multiple choice, and I go through them as quickly as possible for you. But they help us to determine where you fit within that risk profile, what level of risk you should be taking to help you achieve your goals, but also what level of risk you're comfortable taking. Because even though, you know, you might have two people of the exact same age, they might not be comfortable in the same risk profile taking the same level of risk. One person might be seen as a bit more of a risky client. The other one might be more conservative and wanted to take a less level of risk.\n\nSo this risk profile helps us to break down how you feel about things, what your circumstances look like, how long you have until you're wanting to access your super, and then we'll kind of talk a bit more about what level that looks like and how you might see those investments.\n\nChannel 1: Mhmm.\n\nChannel 0: I'll go through these. As I said, they're all multiple choice. I'll go through them one by one. I've answered some of them already with how we've been kinda going. And if you're not sure, just let me know and we can talk through.\n\nOkay?\n\nChannel 1: Yep.\n\nChannel 0: The first one here is how would you like to rate yourself as a risk taker? So if you say thought about risk on a scale of, say, one to five, do you consider yourself to be one, a very high risk taker? You're happy to put it all on black and see what comes out? Would you consider yourself maybe a three in the medium? You wanna take a bit of risk in the market to get good returns, but you're, you know, a bit concerned about the ups and downs in the short term, or are you not a very risk you don't you don't like risk at all and understand returns are gonna be lower because of that?\n\nHow do you think you might rate yourself?\n\nChannel 1: Well, I would say in the middle. Like, I'm I'm\n\nChannel 0: Yep.\n\nChannel 1: open to taking a little bit of risk.\n\nChannel 0: Yep.\n\nChannel 1: Definitely wouldn't wanna put it all on black and lose it if it\n\nChannel 0: Yep.\n\nChannel 1: went poorly, but\n\nChannel 0: Yep.\n\nChannel 1: can understand that markets ebb and flow and and,\n\nChannel 0: Yep.\n\nChannel 1: yeah, sometimes you can have wins, sometimes you can have losses as long as you come out mostly\n\nChannel 0: Yep. Yep.\n\nChannel 1: pretty intact,\n\nChannel 0: Perfect.\n\nChannel 1: I'll\n\nChannel 0: Love that. The next one here is how familiar are you with investment markets. So have you guys ever owned shares\n\nChannel 1: be\n\nChannel 0: or\n\nChannel 1: stoked.\n\nChannel 0: any investments in your own name before?\n\nChannel 1: Never.\n\nChannel 0: Nope. That's okay. All good.\n\nChannel 1: We have been looking at I know Reece has been looking at\n\nChannel 0: Yep.\n\nChannel 1: buying some shares in gold bullion and\n\nChannel 0: Yep.\n\nChannel 1: silver just as a, like, separate thing with some cash flow that we do have.\n\nChannel 0: Yep.\n\nChannel 1: Obviously, Reece doesn't really have any idea of what our current standings are financially\n\nChannel 0: Yep.\n\nChannel 1: because he is not in control of anything financially.\n\nChannel 0: Yep.\n\nChannel 1: So he he literally wouldn't know what the credit card's at because he can't remember his Internet banking password. So he's literally got no idea what the credit card's at, no idea what money's\n\nChannel 0: Yep.\n\nChannel 1: in the drain account, no idea what money is owing on the house,\n\nChannel 0: Yep.\n\nChannel 1: and zero zero idea what our weekly outgoings are and what is in savings.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep. No.\n\nChannel 1: he he says to me, he's like, that is you tell me how much you need in the transfer of my wage, and then\n\nChannel 0: Yep.\n\nChannel 1: from that, I'll leave off whatever's left over for my discretionary spending, and you just take care of the rest because it's too stressful for me, which is\n\nChannel 0: Yep.\n\nChannel 1: hilarious. So I literally manage all of that.\n\nChannel 0: Yep.\n\nChannel 1: So he he literally would have no idea how much money we have in savings. And I if I said to him, you've got $5 to go spend on gold, he would do it.\n\nChannel 0: Yep.\n\nChannel 1: So I I've made him\n\nChannel 0: And\n\nChannel 1: look in\n\nChannel 0: be cautious.\n\nChannel 1: I'm like, if you want it if you want it, I'm I'm happy to do it. I'm I'm like, it's $5 that I'm I'm gonna pretend I'll never see again.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yeah.\n\nChannel 1: for\n\nChannel 0: Yeah.\n\nChannel 1: me, that's\n\nChannel 0: Yeah.\n\nChannel 1: how I'm treating it. I'm like,\n\nChannel 0: Yeah.\n\nChannel 1: what out of our savings can I give you that I don't\n\nChannel 0: Yeah.\n\nChannel 1: need in the next five to ten years and I'll possibly never see again is how\n\nChannel 0: Yeah.\n\nChannel 1: I look at it?\n\nChannel 0: And that's\n\nChannel 1: So\n\nChannel 0: a really good way to look at it. Yeah. No.\n\nChannel 1: yep.\n\nChannel 0: That's a really good way to look at it. I mean, with your super and I'll show you when we did the advice, I'll show you the investments that we tend to look at, and we don't put you in using crazy or speculative like crypto. We have to look after your super. It is there to grow. So we choose investments that have had a strong track record that have been through the ups and downs the market's created over the last ten to twenty years to make sure that you're in investments that can withstand volatility that come out, recover, and provide long term growth and structure for you.\n\nAnd we review those on a regular basis with you as well. But when you are looking at investing in those other areas in your own name, well, gold's a great investment. It has has seen a lot of growth over the last couple of years. It does continue. We all love it, but it is important when you consider the the asset of risk.\n\nAnd when, you know, you are investing when I invest personally, I do think about the ultimate risk level is if I invest this money, what's the ultimate thing that could happen? I could lose it all is the big biggest risk. So\n\nChannel 1: Yes.\n\nChannel 0: when you're starting off, never investing anything more than you're comfortable losing in the event that that was to happen is definitely the best way to start that sort of thing off. So you're you're looking at it the right way for sure.\n\nChannel 1: Yeah. Yeah. So I was like, if there's any money, obviously, I've got I've got\n\nChannel 0: Yep.\n\nChannel 1: savings that I have sitting there accumulating interest.\n\nChannel 0: Yep.\n\nChannel 1: So I've got I've got multiple bank accounts. But, for example, where all my savings sits is at Up Bank. I don't know if you've heard of Up.\n\nChannel 0: I have yeah.\n\nChannel 1: So they have this thing called with their savers grow or flow. So\n\nChannel 0: Yep.\n\nChannel 1: if it's an account that you take money, like, so you can set up sub accounts for your savers. So\n\nChannel 0: Mhmm.\n\nChannel 1: I've got a sub account for school fees. So I take money out of that every month, but I transfer into it every week. So\n\nChannel 0: Yes.\n\nChannel 1: that's a flow account. So the interest rate on that one is 1.75% per month.\n\nChannel 0: Yep.\n\nChannel 1: But then I've got savings that I don't touch, and we just accumulate it, and I get a 5.1% gross rate on\n\nChannel 0: That's a really good interest. Right? Isn't\n\nChannel 1: that. It is very good.\n\nChannel 0: it?\n\nChannel 1: And one of the\n\nChannel 0: Yeah.\n\nChannel 1: savings accounts that I don't touch earns approximately a 100 to a $110 in interest per month.\n\nChannel 0: Yeah. Nice. Perfect.\n\nChannel 1: So, yeah, that one's that one's my beefy, juicy one,\n\nChannel 0: Yep.\n\nChannel 1: and I transfer into that $20 each week. So\n\nChannel 0: Yep.\n\nChannel 1: I'm putting in about $80 a month and getting in about a $100 a month on average in interest.\n\nChannel 0: Yes.\n\nChannel 1: So that's a that's a very healthy one. But yeah. So what I've got here is I've got, like, 14 sub accounts in that up banking that I just have automatic transfers set up to go into each week.\n\nChannel 0: Yep.\n\nChannel 1: So because I'm a casual. I've got an annual leave sub account\n\nChannel 0: Yep.\n\nChannel 1: that I transfer into weekly based on however many hours I work. I know the exact amount that I need to transfer based on those hours to\n\nChannel 0: Yep.\n\nChannel 1: equate equate for leave\n\nChannel 0: Yep.\n\nChannel 1: so that if I do take a holiday, I'm not without pay. Does that make sense?\n\nChannel 0: Yeah. Yes. That's absolutely fantastic. Excellent. Beautiful.\n\nChannel 1: I would say, like, if you if you are writing financially savvy, not the most financially savvy\n\nChannel 0: Yep.\n\nChannel 1: by any stretch, but definitely plan around, like, these are my weekly costs, and I\n\nChannel 0: Yep.\n\nChannel 1: can't afford to go a week without pay.\n\nChannel 0: Yep.\n\nChannel 1: So how do I make sure that I can take holiday? I figured\n\nChannel 0: Yep.\n\nChannel 1: out. I don't get\n\nChannel 0: What\n\nChannel 1: annual\n\nChannel 0: you need\n\nChannel 1: leave.\n\nChannel 0: to live on.\n\nChannel 1: What I need\n\nChannel 0: Yeah.\n\nChannel 1: for what I need for annual leave.\n\nChannel 0: Yep. Yep. No. That's perfect. You've done a really great job there.\n\nThat's excellent. I don't know many casual workers that have done that to that extent that you have, and it definitely gives you a bit of cover because you still wanna have holidays and still enjoy your life, but making sure that those regular bills can be covered whilst you're on that time off. So that's really good. I love that.\n\nChannel 1: Yeah.\n\nChannel 0: It's fantastic.\n\nChannel 1: I guess it comes from\n\nChannel 0: Yep.\n\nChannel 1: the fact that I've always been part time or casual since I turned 18. So I've always I've never been a casual and up until last year.\n\nChannel 0: Yep.\n\nChannel 1: So\n\nChannel 0: Yep.\n\nChannel 1: I've always been part time or full time, so I was automatically getting that, not even thinking about it.\n\nChannel 0: Yeah.\n\nChannel 1: And then through no other choice but what the job was that I was offered, I had to go casual. And\n\nChannel 0: Yep.\n\nChannel 1: for me, I was like, right. How do I make sure I can still have my holidays? So,\n\nChannel 0: Yes.\n\nChannel 1: yeah, did a bit of googling, figured out the formula, just made a little spreadsheet in Google Sheets and\n\nChannel 0: Yes.\n\nChannel 1: popping in popping your alleyway to pop in your hours worked and it spits out how much do you need to transfer. So I just do that manually each week.\n\nChannel 0: Perfect.\n\nChannel 1: And the bonus on that is I'm earning interest on it because I'm not touching it either\n\nChannel 0: Yeah. Yeah. Yep.\n\nChannel 1: because\n\nChannel 0: Perfect.\n\nChannel 1: I'm still working.\n\nChannel 0: Yep. No. That's excellent. That's fantastic. You've done a really great job there.\n\nI love that.\n\nChannel 1: Thank you.\n\nChannel 0: I've answered the next two. That's okay. I've answered the next two questions for you. So, realistically, when we're looking at time horizon, because of your age, you still have a lot of time before you're able to access super. So we're looking at a longer time horizon of more than ten years there.\n\nChannel 1: Yep.\n\nChannel 0: I've also the next couple of questions also kinda go back to that risk versus reward balance. So how much risk do you feel like you're willing to take in the market to try and get the best returns you can? You sorta come across as someone who's quite conservative. I'd say sort of middle of the range there. So you are wanting to take on a bit of risk in the market to get the greater returns, but you don't wanna take on a whole lot of risk.\n\nYou kind of wanna make sure you have some of those defensive low risk investments and diversify and make sure it's more calculated. Am I on the right track with that?\n\nChannel 1: Yep. That sounds bright.\n\nChannel 0: Yep. Perfect. The next one here is thinking about your current super balance. So if we saw, like, a large market dip, which can and will happen in the future, we've had some ups and downs this year. They've only been very minor in comparison to what we have seen in the past.\n\nBut every, you know, couple of years within a ten year time horizon, we do generally see a large market up and down where the market can drop anywhere from, say, 10 to 20 to 30% depending on what the market goes through. It's about making sure that you're invested through those times, and you can stay invested, not cementing or taking any of the money out when you go to those down times there. If you thought about your current super balance, which is a bit over 79,000 currently, and you saw that drop up to 50%, more than 50%, or say up to twenty, thirty, or 10%, how much of a drop do you think that Super Balance could withstand before you're starting to feel quite nervous? How far of a drop would you be comfortable taking, do you think?\n\nChannel 1: I would say max 30 to 40% drop\n\nChannel 0: Okay.\n\nChannel 1: considering how\n\nChannel 0: Yep.\n\nChannel 1: much is in there currently.\n\nChannel 0: Yep.\n\nChannel 1: I mean, at\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Some point in recent, I will wanna retire and travel\n\nChannel 0: Yep.\n\nChannel 1: and also make sure that we can help our kids out.\n\nChannel 0: Yes.\n\nChannel 1: But, yeah, like, obviously, where that my super is sitting at currently is so low because of not working during maternity leaves and etcetera.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: So I think\n\nChannel 0: Yep.\n\nChannel 1: for me, I feel like I need to take a bit of risk to try and grow it. And with risk, there's always that it it could go both ways.\n\nChannel 0: Yeah. Absolutely. No. Perfect. Excellent answer.\n\nThe next one here is about volatility. So, again, if you saw this super drop by 20%, how do you think you might react? Do you think you might wanna put some more money into it, see it as a buying opportunity? Are you more likely to hold and wait, maybe call us and have us talk you through it, or are you more likely to cement the loss, sell the investment, and move your funds to something a bit more secure? How do you think you might react?\n\nChannel 1: I'd take your advice.\n\nChannel 0: Yep. Beautiful. Excellent. The next one here is looking at the kind of rate of return where after long term wise, you're probably looking for the highest return you can probably get out of your super and out of the investments on a yearly basis. Sound about right?\n\nChannel 1: Yeah. That that in an ideal world, yeah, that would be that would be right.\n\nChannel 0: Yep. No. Perfect. The next one here is, again, looking at have you ever seen your super fall in value? So if you did see a bit of a market drop with the what's happening in the world globally and it dropped a little bit.\n\nDo you think you might be feeling optimistic, cautious, concerned, or a bit anxious? How do you think you might feel in that instance?\n\nChannel 1: I've never seen it drop, so\n\nChannel 0: Yep.\n\nChannel 1: I'm gonna have speculate here. And I would be I'd be a little bit nervous, but also, like, I'm I'm not scared by one orange man,\n\nChannel 0: Yep. Yep. Yep. No. Perfect.\n\nChannel 1: if that makes sense.\n\nChannel 0: It does. Absolutely. The next one here is talking about the types of returns that we get. So when we have investments, we like two different types of returns. One of those is capital growth.\n\nSo say if you had, you know, CVA shares and you bought that at $20 per share, the next day went up to $50 per share. The difference in the share price is a growth. We also look at income producing, which is dividends. So we invest in managed funds and ETFs that provide dividends on a regular basis. Those dividends are income, and they get paid into your cash account in your super and reinvested back into the investments for compounding effect.\n\nGenerally, when we're younger, we could take a bit more risk to get more in the way of capital growth. When we're older, we like a bit more income producing because it tends to help pay the income in those retirement years. With where you're at at the moment, do you think you'd want more capital growth, more income, or a balance of both?\n\nChannel 1: I haven't actually ever thought about it. I\n\nChannel 0: Yeah.\n\nChannel 1: mean, I kind of think super is like a a bonus thing at the moment. It's\n\nChannel 0: Yep.\n\nChannel 1: my my view on super is, like, it's a bonus that we can use to retire with, but, hopefully, we can set\n\nChannel 0: Yep.\n\nChannel 1: ourselves up with other investments that help us to fund retirement.\n\nChannel 0: Yep.\n\nChannel 1: Does that make sense?\n\nChannel 0: Yeah. Absolutely. Most definitely. Perfect.\n\nChannel 1: So I think, like, for myself, like, I'm like, well, it's gonna be a bit of a rough trough for the next five to ten years with little kids.\n\nChannel 0: Mhmm.\n\nChannel 1: But then after that, hopefully, we free up a bit of cash and can start investing in other things.\n\nChannel 0: Yep.\n\nChannel 1: So I'm not really sure how to answer.\n\nChannel 0: That's okay.\n\nChannel 1: Hopefully\n\nChannel 0: Do you think\n\nChannel 1: hopefully\n\nChannel 0: you'd\n\nChannel 1: that\n\nChannel 0: sort of do you think you're sort of wanting a bit of both? You're wanting that capital growth, but you're\n\nChannel 1: yeah.\n\nChannel 0: also\n\nChannel 1: Let's\n\nChannel 0: wanting to, you know,\n\nChannel 1: let's\n\nChannel 0: offset\n\nChannel 1: go both.\n\nChannel 0: some of the risk by having a bit of income there as well?\n\nChannel 1: Yeah. Let's go both.\n\nChannel 0: Yep.\n\nChannel 1: Go in\n\nChannel 0: Beautiful.\n\nChannel 1: the middle because I don't I'm not a 100% sure.\n\nChannel 0: No. That's okay. The second last question here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you have a goal down the track of borrowing money to maybe buy investment properties and things?\n\nChannel 1: Never thought about it.\n\nChannel 0: Yep. That's okay. And do you have any kind of goals on the track where you might wanna buy investment properties? We did sort of talk about you you wanting to maybe invest outside of super as well. Is property one of those things that you guys might wanna invest in down the track?\n\nOr\n\nChannel 1: Yeah. I mean, a property would be nice, like a commercial property\n\nChannel 0: Yep.\n\nChannel 1: interstate. Definitely nothing\n\nChannel 0: Yep.\n\nChannel 1: in Victoria. Victoria is a shithole when it comes to investments\n\nChannel 0: Yep. Yep.\n\nChannel 1: that cost more than makes. So\n\nChannel 0: Yep.\n\nChannel 1: for us, yeah, if we were to look at something, I I would suggest most likely be industrial commercial property in another state\n\nChannel 0: Yep.\n\nChannel 1: that makes\n\nChannel 0: Yep.\n\nChannel 1: sense, but we'd definitely seek advice before doing it.\n\nChannel 0: Yep. Yep. So make sure you understand the risks.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Absolutely. Perfect. Oh, good. Well, you've answered all these questions.\n\nThank you so much. A lot of them kinda relate back to each other, so kinda having that conversation going to those questions. We've answered them all nice and easily. Now where you've scored with this risk profile, you've scored as a growth investor. What that essentially means is that you're not the highest risk.\n\nYou're kind of in that mid range a little bit. So our investor profile start off aggressive high growth, growth, balance growth, and balanced, and then kind conservative and defensive at the very bottom there. So you're fairly mid range. What\n\nChannel 1: Yep.\n\nChannel 0: you would normally see when you think about your super is you would see 80% of your super invest in growth assets. So things like Australian shares, international shares, listed property, and also commodities, so gold and silver there as well. And then the other 20% would be a lower risk defensive investment. These are more cash producing. You think of things like fixed interest, bonds, term deposits, things like that.\n\nSo they're lower They get a lower rate of return they're supposed to, but they're not they don't fluctuate. They don't, you know, go up and down as violently or as regularly as those growth investments do. So having a mix of those gives you diversification, having some high risk investments as well as some lower risk investments in there. With the growth portfolio, we're sort of chasing an average return of around seven to 9% on a yearly basis. That's compounding forward.\n\nAnything over that 9% is your portfolio has over performed and done exceptionally well. Anything under that 7% and your your portfolio's underperformed through the year there. With the growth portfolio, because we talked about the likelihood of a negative return, these things do happen with market volatility. We would expect a negative return sort of one in every five years, And this sort of investor profile suits someone who has at least six years before they're wanting to retire. So you've got more than double that at the moment.\n\nYou're not going you know, you're not retiring anytime soon. So you do have that sort of minimum time horizon to be up in that growth environment. And with your agent stage and where you're at at the moment, we normally see someone in either a growth or high growth environment with that with where they are. When you're about six years away from wanting to access super or retire, then we would sort of see that drop significantly there. Does that growth environment sort of sit with where you'd like to see your super, or did you wanna maybe look at increasing or decreasing the risk level a little bit there?\n\nHow do you feel about that?\n\nChannel 1: I feel like a growth environment sounds good. I mean, it's\n\nChannel 0: Sounds\n\nChannel 1: not\n\nChannel 0: good?\n\nChannel 1: growing at an at all currently, so some\n\nChannel 0: Yep.\n\nChannel 1: growth would be nice.\n\nChannel 0: Absolutely. No. Perfect. Well, I'll have a look at that for you. When I provide the advice to you, essentially, I'll provide it as a statement of advice.\n\nWe'll go through it page by page. I'll rate run you through what the recommendations are, the advantages, disadvantages, the risks involved, and then you get to take it away and have a really good rate of it yourself. Okay?\n\nChannel 1: Yep. Sounds good.\n\nChannel 0: Perfect. Now excellent. Now I'll have a look at that for you. Now there are some other different ways to invest. They have different management styles.\n\nThe first one is active management. Having a little bit management in there means that you're investing in act in investment managers who are trying to outperform the market. Having more of an active approach to your portfolio does it can cost a little bit more. There's no guarantees that active managers are going to outperform against the market, but they do their best to try. Some years they succeed, some years they don't.\n\nThere is also another way of investing. It's called passively, and these are passively managed investments or ETFs or managed funds that are essentially just tracking the market there. This is more of a lower cost way of investing. It can also outperform against active managers depending on what the market does over the course of the year. Do you think you wanna sort of focus on a lower cost way of investing go passive, or did you wanna sort of see if you can get something that's, you know, gonna hopefully outperform against the market and look at that active management style?\n\nWhat would you like me to look at for you?\n\nChannel 1: I think to start with, I would probably go for the more aggressive option there for the next two to three years,\n\nChannel 0: Yep.\n\nChannel 1: and then reassess after that to see if we go passive or stay aggressive.\n\nChannel 0: Yes. Perfect. So we'll look at something more of an active management style for you for your investments.\n\nChannel 1: Yeah. I I think, like, to start with, because it's so low.\n\nChannel 0: Mhmm.\n\nChannel 1: I mean,\n\nChannel 0: Yes.\n\nChannel 1: with it being low, taking\n\nChannel 0: Mhmm.\n\nChannel 1: a little bit more risk doesn't scare me, if that makes sense.\n\nChannel 0: Yep. Yeah. Absolutely.\n\nChannel 1: If it was if my super was double what it is currently, I would probably be a lot more nervous about being aggressive.\n\nChannel 0: Yep.\n\nChannel 1: But because it is so low, I'm\n\nChannel 0: Yep.\n\nChannel 1: not super nervous about it at the moment. So I'm\n\nChannel 0: Yep.\n\nChannel 1: I'm willing to take a little bit more risk.\n\nChannel 0: Okay.\n\nChannel 1: For question though,\n\nChannel 0: Yes.\n\nChannel 1: like, is it possible say your portfolio is\n\nChannel 0: Mhmm.\n\nChannel 1: 150,000, is it possible to go a third of that aggressive and then the other half the more safe? Like, the other two\n\nChannel 0: You\n\nChannel 1: two thirds.\n\nChannel 0: yeah, you you can. It is a little bit harder. We\n\nChannel 1: Sorry.\n\nChannel 0: when we sort of look at investments, we kind of break it down into this growth and defensive investment classes. So we would need to sort of split your portfolio up a little bit differently to go the aggressive because aggressive a 100% growth investments. There's no defensive investments in there at all. What I would probably look at doing is maybe just adding some active investment in there for you. This is thinking about the different ways we could probably do that.\n\nI can have a look at how we could maybe look at doing that for you and\n\nChannel 1: I mean,\n\nChannel 0: see\n\nChannel 1: that's\n\nChannel 0: if\n\nChannel 1: way\n\nChannel 0: it's possible\n\nChannel 1: down the line.\n\nChannel 0: within the different yeah. Yeah. No. Absolutely.\n\nChannel 1: It was just a it was just a throw out question just to see if,\n\nChannel 0: Yeah.\n\nChannel 1: like, that\n\nChannel 0: No.\n\nChannel 1: is a possibility at all. Like, it's\n\nChannel 0: Yeah.\n\nChannel 1: not something I'd be looking at doing immediately, but,\n\nChannel 0: Okay.\n\nChannel 1: like,\n\nChannel 0: Yep.\n\nChannel 1: let's say that you take that 70 k that's there right now, and by this\n\nChannel 0: Yeah.\n\nChannel 1: time next year, we're sitting it at a 130. Like, we've\n\nChannel 0: Yeah.\n\nChannel 1: almost doubled it. I would be like, okay. That's impressive.\n\nChannel 0: Wow.\n\nChannel 1: Like, let's go another year of that. Let's try to make\n\nChannel 0: Yep.\n\nChannel 1: it\n\nChannel 0: Yep.\n\nChannel 1: to 200. And then from the 200, I'd be like, okay. Well, of that 200, I'd really wanna set the original 70 back into the safe\n\nChannel 0: Mhmm.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: then put the rest of it in the aggressive, if that makes sense.\n\nChannel 0: Yeah.\n\nChannel 1: That's,\n\nChannel 0: It\n\nChannel 1: like,\n\nChannel 0: does.\n\nChannel 1: how\n\nChannel 0: It\n\nChannel 1: I\n\nChannel 0: does.\n\nChannel 1: would how I would play it\n\nChannel 0: Yeah.\n\nChannel 1: just\n\nChannel 0: Yep.\n\nChannel 1: to, like, be like, okay. So we're back to where we were in one of them. Like, we've grown it to this point. I'm gonna take the original amount, put that back in the safe, and then gonna give you the remainder to just go gung ho. Like, what have what\n\nChannel 0: Yeah.\n\nChannel 1: have we got to lose? Because I look at it from my perspective, I look at that as a bonus. So\n\nChannel 0: Yes.\n\nChannel 1: you've got that bonus money. And then I didn't have it two years ago. So what have I got to lose?\n\nChannel 0: Yep. Yep. Absolutely. To do it that way, we would have to separate it into two two separate accounts. They wouldn't be able to structure in one account that way.\n\nSo when\n\nChannel 1: Mhmm.\n\nChannel 0: we're looking at the portfolios, we look at your risk profile and we structure the growth in defensive assets so that your overall and total risk profile doesn't exceed that eighty twenty split or, you know, we have, like, a 10% variance either side of that for you to allow for changes in market conditions and investment pricing. The way you're sort of talking about doing that would be great, but we would need to have it separated significantly because one would be taking on a lot more risk than the other, and that could change your overarching risk profile because you're sort of saying one be really aggressive, the other one be quite safe and lower risk and more defensive of nature.\n\nChannel 1: Yep.\n\nChannel 0: Down the track, we could definitely look at maybe doing it that way for you, but the way we would have to split that would make it a lot more expensive as well because you'd have to split it. You have two lots of administration fees and things like that. So down the track, we could maybe look at splitting and doing it that way for you.\n\nChannel 1: Yep.\n\nChannel 0: For now, I'd probably just, with the balance you have, stick with the growth portfolio, look at the make sure the overarching is within that range and sort of see how we go to start with.\n\nChannel 1: Yep.\n\nChannel 0: Make sure your contributions start coming in. Make sure it starts getting that sustainable growth, and then we look at maybe how we split that. And we also look at down the track, maybe looking at investing outside of super, so we might take a bit more risk on the stuff inside super and a little bit less risk outside of super, but structure it so it's all within that sort of portfolio effect for you. It's not not completely undoable. It can be done.\n\nIt's just\n\nChannel 1: Yep.\n\nChannel 0: about making sure it's gonna fit with your goals and understand where we're comfortable taking that extra risk and where we're not comfortable doing that, if that makes sense.\n\nChannel 1: Yeah. Yeah. I was just curious if\n\nChannel 0: Yeah.\n\nChannel 1: it was a an\n\nChannel 0: Yeah.\n\nChannel 1: option at all, like,\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: I'm I'm definitely\n\nChannel 0: That's doable.\n\nChannel 1: I'm willing to take a little bit of risk on a because it is a lower amount. But if it grew\n\nChannel 0: Yeah.\n\nChannel 1: you know, when you're, like, you're at the table and you're playing it and you're like, I started with $5. Alright. I'm up to $50. I\n\nChannel 0: Yep.\n\nChannel 1: either\n\nChannel 0: Yep.\n\nChannel 1: go all in or pull back or give half, keep half. Like,\n\nChannel 0: Yes.\n\nChannel 1: they're, like, the three options I see. And\n\nChannel 0: Yes.\n\nChannel 1: I'm like, well, you can't pull it out because you need it to grow. So that\n\nChannel 0: Yep.\n\nChannel 1: puts you down to keep a safe amount, play the rest.\n\nChannel 0: Mhmm.\n\nChannel 1: So I'm kinda like, well, down the track, I definitely would be thinking, do we keep a safe\n\nChannel 0: Do\n\nChannel 1: amount\n\nChannel 0: that.\n\nChannel 1: and play the\n\nChannel 0: Yep.\n\nChannel 1: rest to see what we can gain? And then, hypothetically, let's say that Race and I had enough super growth combined\n\nChannel 0: Mhmm.\n\nChannel 1: that we could potentially pull some out and put it on a property and then offer that out by we keep some in super, keep investing in another things, and then we have a property that we have extra cash that we put into that kind of situation. I don't know if that's even a possibility, but, yeah, just\n\nChannel 0: Yes.\n\nChannel 1: I have no\n\nChannel 0: Yeah.\n\nChannel 1: idea if that's even something you can do down the line, but, like, I don't even even know if you're eligible money out of super to do that kind of thing. But, yeah, that's where my mind goes. It's like, can you\n\nChannel 0: Yeah.\n\nChannel 1: build it up and then invest it in something physical,\n\nChannel 0: Yep.\n\nChannel 1: if that makes sense?\n\nChannel 0: Yeah. We can. There are speculations around doing it, though. So with the kind of structures with the way your CV is structured at the moment and with retail funds that we tend to look at with the type of balance you have, you can't until\n\nChannel 1: Mhmm.\n\nChannel 0: you hit the retirement ages. However, if you're down the track, we're able to had enough of a balance and could look at something like a stock and a super fund, then you can do that. The only\n\nChannel 1: Yep.\n\nChannel 0: downside is you can't withdraw the funds, buy a property, and live in the property. It has to be. There's a lot of regulations around what's called an arm's length transaction. So the idea of a super fund is that you're building wealth for the member for retirement.\n\nChannel 1: Yep.\n\nChannel 0: Can't sort of buy a property you live in at either the holiday home or rent it out for your own personal gain. It's gotta\n\nChannel 1: Yep.\n\nChannel 0: be for the gain of the super fund. But down the track, we can look at that. Alternatively, we can also look at, you know, what you have in your own name as the kids get a bit older and look at investing outside of Super in different areas and looking at how we maybe leverage your current property and the equity you've made there to kind of help you get those tax rewards outside of Super as well. So there are definitely things that we can do. I'd say we'll\n\nChannel 1: Yep.\n\nChannel 0: keep it simple for now. And then as things build, as things grow down the track, then we can look at everything as a whole with yourself and Reece and look at\n\nChannel 1: Yep.\n\nChannel 0: how we structure other investments and build wealth in other ways for you as well. Okay?\n\nChannel 1: Yeah. That sound that sounds good. I mean\n\nChannel 0: Perfect.\n\nChannel 1: yeah. We've never had any advice on this kind of stuff. So\n\nChannel 0: Oh, yeah.\n\nChannel 1: yeah. We've just kind of, like, we're just being young and winging it and just going\n\nChannel 0: Yep.\n\nChannel 1: with what the norm is, to be honest. And then\n\nChannel 0: Yep.\n\nChannel 1: now that we're coming out of the bit of that fog of, alright. We're just young and stupid. We've got to think about our kids in the future.\n\nChannel 0: Yep.\n\nChannel 1: We're like, alright. Let's start looking at how we how we do this\n\nChannel 0: Yes.\n\nChannel 1: and\n\nChannel 0: Yep.\n\nChannel 1: future proofing our life. Because I'd I'd personally prefer to not be banking on super for my retirement. I personally\n\nChannel 0: Yes.\n\nChannel 1: prefer to have sort of an investment property that does give us a dividend that means\n\nChannel 0: Yep.\n\nChannel 1: that we can live off that as a form of income and then,\n\nChannel 0: Yes.\n\nChannel 1: you know, keep on\n\nChannel 0: Yep.\n\nChannel 1: doing what we're doing with Super where it just grows on itself. And then when we need it, we can cash it in.\n\nChannel 0: Yep. Yeah. Absolutely. No. That's perfect.\n\nWe can definitely help you in those areas. I'll put that down as some medium term goals there for you as well. That's fantastic. The other thing I need to touch base on is the insurance side of things. So I can see within\n\nChannel 1: Mhmm.\n\nChannel 0: your current super fund there, you do have a bit of life and TBD. The current sum in towards that 229,160. Paying about $247 on a yearly basis with that. Is your life and TPD important to you? Are you wanting to keep insurances?\n\nWhat are your thoughts around them, and do you understand what they pay out?\n\nChannel 1: I have no idea what they pay out. I do not understand that.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: okay.\n\nChannel 1: feel like life insurance is pretty important, but I only have it through\n\nChannel 0: Yeah.\n\nChannel 1: my super because\n\nChannel 0: Yes.\n\nChannel 1: once again, costs of living. So I think definitely would look at I didn't even know what the TPD means, so that means nothing\n\nChannel 0: Yep.\n\nChannel 1: to me. I'm you'd have to explain that to me. But I definitely think\n\nChannel 0: That's\n\nChannel 1: it\n\nChannel 0: okay.\n\nChannel 1: would be good to keep some sort of insurances in place\n\nChannel 0: Yep. Yeah.\n\nChannel 1: so that\n\nChannel 0: Absolutely.\n\nChannel 1: should anything happen, it at least gives Reece some breathing space for\n\nChannel 0: Yep.\n\nChannel 1: mortgage cost of\n\nChannel 0: Yep.\n\nChannel 1: living, etcetera.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I mean,\n\nChannel 0: Perfect.\n\nChannel 1: should something happen to both of us, that would be,\n\nChannel 0: Yes.\n\nChannel 1: hopefully,\n\nChannel 0: A different story.\n\nChannel 1: yeah, hopefully,\n\nChannel 0: Yeah.\n\nChannel 1: a very different story. That should\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Nothing ever does. But, yeah, you obviously have to plan for these things.\n\nChannel 0: Definitely. And what's one of the biggest things or the biggest risk with insurances is that you pay all the premiums that you never actually make a claim and you end up canceling or they just, you know, run out when they expire, essentially. However, there are quite a lot of people who don't have any types of cover and then come to find something has happened. It's, you know, technically, a one or 2% chance that something's gonna happen, you're gonna make a claim. However, most people that do make a claim, you know, have had either not enough insurances, haven't really thought anything about it, or don't have any at all.\n\nIt can make life very, very difficult for them.\n\nChannel 1: Yep.\n\nChannel 0: With insurances, are you sort of focused around looking at the keeping a level of cover that you want and making sure it's as cheap as possible, or are you wanting kind of the best cover you can get with the best benefits for what you're paying for? Mhmm.\n\nChannel 1: In an ideal world, I'd want the best As long as it's coming out of my super and not coming out of my weekly\n\nChannel 0: Yep.\n\nChannel 1: allowances, I'm I'm happy\n\nChannel 0: Yep.\n\nChannel 1: for that to be increased.\n\nChannel 0: Okay.\n\nChannel 1: Yes. The the reason I don't have separate life insurance currently is just it's not an affordable thing for us to\n\nChannel 0: Yeah.\n\nChannel 1: equate into what we've currently got coming in and going out.\n\nChannel 0: Yes.\n\nChannel 1: So I've kind of left the super one as well. At least that's something.\n\nChannel 0: Yes.\n\nChannel 1: But it would be nice for it to be you know, it it would be really lovely for the total payout to be half $1,000,000 so that all mortgage repayments are covered, if that\n\nChannel 0: Yep.\n\nChannel 1: makes sense. If something was to happen,\n\nChannel 0: Yeah.\n\nChannel 1: at least,\n\nChannel 0: Yep.\n\nChannel 1: you know, the mortgage is able to be completely paid off.\n\nChannel 0: Yep. Perfect. So look at maybe increasing your last cover to half 1,000,000 to cover the mortgage. Because the mortgage I've got down here is 520,000.\n\nChannel 1: Let me I think it's about that. Hold on one second. I'll have a quick\n\nChannel 0: Sorry.\n\nChannel 1: look at my account.\n\nChannel 0: You're\n\nChannel 1: No. You're\n\nChannel 0: alright.\n\nChannel 1: all good. You're all good. I'm I'm a number blind person, so you can\n\nChannel 0: That's\n\nChannel 1: spit\n\nChannel 0: okay.\n\nChannel 1: numbers at me all night. Yeah. Currently, it's literally just a fraction, like, a very small fraction below $5.20. So, yeah, call it $5.20.\n\nChannel 0: Okay. Yep. Perfect. So you're happy to just maybe increase your life cover up. So if in the event that you were to pass away, the life insurance would pay out the mortgage completely, but then maybe have your suit benefit paid out on top of that to give Reece some additional buffer.\n\nWould that be a comfortable amount for you?\n\nChannel 1: Yeah. That I'd be sorry to hear.\n\nChannel 0: Yep. Yep. Beautiful. We can do that. Now with TPD, it's totally permanently disabled.\n\nEssentially, TPD pays out a lump sum or an income stream depending on how you take the funds in the event that you're never able to go back to work again. They look at any occupation for which you're trained, educated, or have worked. It is a very hard definition to pay on. The kicker with TBD is that if you're 60, you do pay tax on the payout. It is up to 22%, and there's a fund math equation that sort of helps us understand what the taxable component is.\n\nThe\n\nChannel 1: Yep.\n\nChannel 0: older you get, the closer you get to 60. Often, the the taxable amount does decrease, so it is better to be older. And if you were to claim\n\nChannel 1: Yep.\n\nChannel 0: TPD after the age of 60, it is all completely tax free. So it's not an issue at all. One of the big things with TPD is most people you are still living, so your regular living expenses still continue to have to be paid. You still gotta feed yourself, often look after medical expenses, rehabilitation, sometimes, you know, trying to repair or make repairs to the home, plus the mortgage. With your, say, TBD cover, are you just wanting to maybe make sure you have the same amount as your life cover?\n\nSo in the event of a claim and keeping in mind, if you did have to claim on TBD, we're as advisers do provide advice on how we can minimize the tax consequences for you as much as possible, and we help you with the claim as well. So we obviously don't want you to have to pay a huge amount in tax, and we'll do everything we can to advise the right way to limit that for you. But do you think you would be comfortable with just that the same amount as life, or do you think you might wanna gross that up to take into effect the possible tax consequences to give you a higher benefit. What do you think you might wanna be covered for, TBD wise?\n\nChannel 1: My mind says go for the go for the tax,\n\nChannel 0: Mhmm.\n\nChannel 1: but the logic\n\nChannel 0: Yep.\n\nChannel 1: in me is like, like, how much is that gonna cost me?\n\nChannel 0: Do you want me to look at both options for you and look at\n\nChannel 1: Yes.\n\nChannel 0: the most the most effective way making sure that your soup is gonna provide growth for you? Yeah?\n\nChannel 1: Yes. That that actually\n\nChannel 0: Yep.\n\nChannel 1: yes, please. If you can do\n\nChannel 0: Perfect.\n\nChannel 1: that,\n\nChannel 0: Yep.\n\nChannel 1: I'll I can if I see the figures in front of me, I can make a decision from there. Does that\n\nChannel 0: Yep.\n\nChannel 1: make sense?\n\nChannel 0: Perfect. What what I'll do is I'll look at both of them for you. I'll make a recommendation one way or another, and then the other\n\nChannel 1: Love\n\nChannel 0: option\n\nChannel 1: that.\n\nChannel 0: I'll put in the appendix so you can see both options, but you can also see the way I've gone with that recommendation for you. Sound okay?\n\nChannel 1: Love that. Yep.\n\nChannel 0: Yep.\n\nChannel 1: Love\n\nChannel 0: Beautiful.\n\nChannel 1: that.\n\nChannel 0: I'll also make it so that life so one of the ways to make the insurances more cost effective for you is to grow so the life can match the TPD so we can link them together because you get a multi policy discount. So if I recommend that we, you know, cover the tax for the TPD and grow it up, I'll also gross up the life benefit to match it so that we're trying to limit the amount of premiums you have to pay. But it also means if you if we go that way and you would have passed away, then resales get a higher benefit to support too. So are you comfortable with that?\n\nChannel 1: Yeah. I'm comfortable with that.\n\nChannel 0: Yeah. Excellent. Now the other thing I can see here is with income protection. You don't have any income protection at the moment. It looks like you may have had some in the past that's kind of because no contributions are sort of gone in for a while, it looks like that's probably dissipated.\n\nI\n\nChannel 1: Yeah.\n\nChannel 0: know you are, as a casual worker, putting some money away to cover yourself in the event of taking annual leave and things like that. Did you wanna look at income protection, or are you sorta happy just with the life and CBD?\n\nChannel 1: No. I'm happy with the life in TPD. Honestly, the\n\nChannel 0: Yep.\n\nChannel 1: income protection, I'm not super worried about because yeah. I mean, I've got currently more in savings\n\nChannel 0: Yep.\n\nChannel 1: than I've earned in the last year.\n\nChannel 0: Okay. Perfect. Perfect. Excellent. And there\n\nChannel 1: Like,\n\nChannel 0: are\n\nChannel 1: it\n\nChannel 0: other\n\nChannel 1: only\n\nChannel 0: types\n\nChannel 1: it\n\nChannel 0: of\n\nChannel 1: only\n\nChannel 0: insurance.\n\nChannel 1: covers me for\n\nChannel 0: You're right.\n\nChannel 1: a year,\n\nChannel 0: Sorry.\n\nChannel 1: but it only\n\nChannel 0: Yep.\n\nChannel 1: covers me for a year, but, you know,\n\nChannel 0: Yep.\n\nChannel 1: like, it that's better than nothing. I\n\nChannel 0: Yeah.\n\nChannel 1: try to always\n\nChannel 0: Absolutely.\n\nChannel 1: keep if it makes sense, I've I've tried to always keep minimum three months worth of mortgage repayments aside\n\nChannel 0: Yep.\n\nChannel 1: so\n\nChannel 0: Yep.\n\nChannel 1: that should anything happen where I lose my job, I've got three months to make shit happen. I\n\nChannel 0: Yes.\n\nChannel 1: think currently, I've got I'll do some quick math on it.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Yeah. I've got about four months worth of mortgage repayments set aside in\n\nChannel 0: Okay.\n\nChannel 1: one account that doesn't get\n\nChannel 0: Perfect.\n\nChannel 1: touched at all. So,\n\nChannel 0: Yep. Perfect.\n\nChannel 1: yes, how we roll.\n\nChannel 0: Beautiful. With those big savings accounts, how much do you actually have in those? Do you know if it's up\n\nChannel 1: Yep.\n\nChannel 0: to\n\nChannel 1: Yep. So\n\nChannel 0: your\n\nChannel 1: I\n\nChannel 0: head\n\nChannel 1: can tell\n\nChannel 0: at\n\nChannel 1: you exactly.\n\nChannel 0: all? Mhmm.\n\nChannel 1: So offset has 14,000.\n\nChannel 0: Yep.\n\nChannel 1: Savings, 36\n\nChannel 0: Yep.\n\nChannel 1: thousand. And then current, apart from mortgage, current debt is sitting at about 6,000.\n\nChannel 0: Okay. Beautiful. Lovely. Thank you for updating up there for me. Fantastic.\n\nSo I'll just look at the license TBD component, look at the best way to sort of structure that so that it's not costing you a crazy amount in the way of premiums, but you're also getting the benefit of making sure that if the event of a claim, that you are able to cover the things that you wanna cover. With your life insurance there as well, it's also important to factor in the estate planning side of things and what you want to happen. I can't see a note on here about any beneficiaries there, but most of the time when it comes to our life and our super, if we were to pass away, you want everything to go to race so he can continue paying the bills, pay the mortgage, look after your family. Is that right?\n\nChannel 1: Correct.\n\nChannel 0: Yep. Beautiful. And have you guys spoken about drawing up a will power of attorney? I know I kinda spoke to Reece about that the other day, and we sent through the information on the solicitors to him. Did you guys get that email, and have you had that conversation about drawing up a will and power of attorney and things like that?\n\nChannel 1: Reason I have not had that conversation. It is something that we very much need to do though. It's definitely, like, literally been on our minds\n\nChannel 0: Yep.\n\nChannel 1: for the last seven years of, like, something that\n\nChannel 0: Yeah.\n\nChannel 1: we really need to do, but we\n\nChannel 0: Yeah.\n\nChannel 1: just have not got around to it. Obviously, we need to have power of attorney for our kids as well,\n\nChannel 0: Yep. Yes.\n\nChannel 1: and\n\nChannel 0: Yes.\n\nChannel 1: everything's set up for if something happens to one of us and if something happens to both of us, what happens to our kids,\n\nChannel 0: Yep. Yep.\n\nChannel 1: that kind\n\nChannel 0: Got\n\nChannel 1: of\n\nChannel 0: it. Yeah.\n\nChannel 1: thing. Yeah. We need we need to do all of that.\n\nChannel 0: Yep.\n\nChannel 1: We kinda buried our heads in the sand about it, to be honest.\n\nChannel 0: Nice.\n\nChannel 1: But, yeah, we need to\n\nChannel 0: Okay.\n\nChannel 1: get that sorted for our\n\nChannel 0: Yep.\n\nChannel 1: kids' sakes and what we want\n\nChannel 0: Yep.\n\nChannel 1: for our kids.\n\nChannel 0: Yeah. Perfect. Not a problem at all. We'll factor the estate planning size in there for you, and I'll recommend that the licensee the so the life policy and your super that they'll be sort of paid to raise in the event of that, you know, the the event of you passing away prematurely.\n\nChannel 1: Yep.\n\nChannel 0: And I'll make sure that's all included in the advice document for you. That's basically everything I need to be able to go and have a look at everything. I'm looking at super now for you and factoring the estate planning sides of things. We are factoring in just your income and the the likelihood that, you know, employer contribution should all start going in soon. We'll make sure we help you to organize and change your name on your super fund to make things a bit easier and more streamlined there for you.\n\nAnd then long term sort of medium term goals that we're looking at investing properties down the track, investing outside of so far is property was one of those that we kinda went through as well. Is there anything else that I might have missed? Is there anything else that you wanted me to sort of focus on? Or\n\nChannel 1: No. There's literally\n\nChannel 0: No.\n\nChannel 1: nothing else that I can think\n\nChannel 0: That's\n\nChannel 1: of.\n\nChannel 0: okay.\n\nChannel 1: Yeah. This is a very\n\nChannel 0: Beautiful.\n\nChannel 1: new concept to me. So,\n\nChannel 0: That's\n\nChannel 1: like, I've\n\nChannel 0: okay.\n\nChannel 1: literally just been I've just been winging it, to be honest.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: Kind of, like, trying to live within a budget, plan within a budget,\n\nChannel 0: Yep. Yep.\n\nChannel 1: and then just winging it. Never saw any financial advice previously. So\n\nChannel 0: Yep. No. Well, you've done really well to get to where you are, like, with your mortgage there. I've got the property down. Asset value is at 1.4 mil.\n\nWould you change that value, do you think, or anything?\n\nChannel 1: No. I think that's pretty bang on for current.\n\nChannel 0: Yep.\n\nChannel 1: I'm literally in the process of getting all my life together to do a bit of a pulse check on our mortgage\n\nChannel 0: Yep.\n\nChannel 1: to see if it's worth remortgaging at all to\n\nChannel 0: Yep.\n\nChannel 1: get a lower rate.\n\nChannel 0: Yep.\n\nChannel 1: Obviously, the equity in the property has grown in the last I think we haven't checked our mortgage in four years. So the\n\nChannel 0: Yep.\n\nChannel 1: equity in our property has definitely grown in that time. So, yeah, just seeing what we can do with what we've got. Last\n\nChannel 0: Yep.\n\nChannel 1: time\n\nChannel 0: Yep.\n\nChannel 1: we did it, we paid off our car\n\nChannel 0: Okay.\n\nChannel 1: and then kind of took out a bit extra just to sit there in the offset. That's a bit of a safety net because we had\n\nChannel 0: Yep. Yep.\n\nChannel 1: $0 at the time.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, now we're, like, right. We've we haven't checked on it in a few years. It's time to just do a bit of a pulse check on it and\n\nChannel 0: Yep.\n\nChannel 1: see what we can achieve.\n\nChannel 0: Yeah.\n\nChannel 1: If we need to swap banks again, I don't know. But\n\nChannel 0: Yeah.\n\nChannel 1: I'll have\n\nChannel 0: Perfect.\n\nChannel 1: a look at it.\n\nChannel 0: Well, when when you are ready, feel free to let us know because we do have mortgage brokers we can refer you through to. It's all free of charge to yourself, and they can always talk to you about what your mortgage looks like, what's the borrowing capacity, and see what they can certainly do to help. So when you are ready for that, let me know. Okay?\n\nChannel 1: Sounds good. Yeah. We,\n\nChannel 0: Oh,\n\nChannel 1: yeah, we're very lucky\n\nChannel 0: good.\n\nChannel 1: where we live. We're in a good growth pocket. So,\n\nChannel 0: Fantastic.\n\nChannel 1: I mean,\n\nChannel 0: Oh,\n\nChannel 1: that's\n\nChannel 0: you've\n\nChannel 1: the\n\nChannel 0: done really\n\nChannel 1: original\n\nChannel 0: well.\n\nChannel 1: mortgage was, I think, May\n\nChannel 0: Yep.\n\nChannel 1: about seven and a half years ago.\n\nChannel 0: Wow.\n\nChannel 1: So we did pay down a fair chunk of it because we redrew\n\nChannel 0: Yep.\n\nChannel 1: on that as well. We've redrawn twice\n\nChannel 0: Yep.\n\nChannel 1: on it. So we've paid down a fair chunk considering what interest we're paying,\n\nChannel 0: Yep.\n\nChannel 1: but also the property value has massively gone up. So that's\n\nChannel 0: Yeah.\n\nChannel 1: the kind of growth that we've had you'd expect in ten to fifteen years to maybe reach where we are now.\n\nChannel 0: Yep.\n\nChannel 1: And I would say the price of our house has steadily been is about that for the last two years. So\n\nChannel 0: Okay. Beautiful.\n\nChannel 1: yeah. Very lucky.\n\nChannel 0: Yeah. Absolutely. No. That was that's fantastic. The only other thing I need to sort of look at for you is just doing a bit of a pre assessment.\n\nSo because we are looking at insurances, I'm just looking at life and TB, not looking at anything that's gonna be paid out of super just because your expenditure is a little bit tight at the moment, but we can always review other insurances down the track for you. We just need to do a little bit of a health questionnaire with you. Do you have just\n\nChannel 1: Yep.\n\nChannel 0: another five minutes so I can transfer you through to Maddie? She's gonna complete the health questionnaire for\n\nChannel 1: Yeah.\n\nChannel 0: me, and then I can go\n\nChannel 1: Absolutely.\n\nChannel 0: back and do that research for you. Is that okay? Fantastic. I'll put you on a brief hold. I'll send you through to Maddie.\n\nShe'll do the health questionnaire. Before I do let you go, is there any questions you have for me? I know she kinda went through what we do, how we deal with the fee structure, things like that. But do you have any other questions for me that you might wanna ask me in relation to the process, anything we've gone through, or in general?\n\nChannel 1: No. No. Thank\n\nChannel 0: Not\n\nChannel 1: you so much for your time. I have\n\nChannel 0: oh,\n\nChannel 1: no\n\nChannel 0: that's\n\nChannel 1: other\n\nChannel 0: okay.\n\nChannel 1: questions.\n\nChannel 0: Not a problem. I promise. I love this stuff. I'm probably the happiest person who ever talked to about super insurance and estate planning. So\n\nChannel 1: I love it.\n\nChannel 0: I'll go back I'll go back and do all the research there for you. I'll generate a plan. What I'll do is once Maddie's done the pre assessment with the with you, I'll get her to book you in for in two weeks time, and we'll have the advice ready to go, and we can go through that together. Okay?\n\nChannel 1: Sounds great. Thank you so much for your\n\nChannel 0: Beautiful.\n\nChannel 1: time, Dana.\n\nChannel 0: My pleasure. Thank you for your time, Elise. I'll send it through to Maddie, and I'll get stuck I'll get stuck into the research for you.\n\nChannel 1: No worries. Thanks, mate.\n\nChannel 0: Thanks. No worries. Won't be a moment.","paragraphs":[{"sentences":[{"text":"If you","start":0.24,"end":0.64,"sentiment":"neutral","sentiment_score":0.007515106117352843}],"sentiment":"neutral","sentiment_score":0.007515106117352843,"channel":1,"num_words":2,"start":0.24,"end":0.64},{"sentences":[{"text":"Three.","start":0.48,"end":0.98,"sentiment":"neutral","sentiment_score":0.005664037540555}],"sentiment":"neutral","sentiment_score":0.005664037540555,"channel":0,"num_words":1,"start":0.48,"end":0.98},{"sentences":[{"text":"record your name and reason for calling, I'll see if this person is available.","start":0.64,"end":4.74,"sentiment":"neutral","sentiment_score":0.01593073913162308}],"sentiment":"neutral","sentiment_score":0.01593073913162308,"channel":1,"num_words":14,"start":0.64,"end":4.74},{"sentences":[{"text":"Dana Oakley Financial.","start":7.9199996,"end":9.46,"sentiment":"neutral","sentiment_score":0.030213139330347378}],"sentiment":"neutral","sentiment_score":0.030213139330347378,"channel":0,"num_words":3,"start":7.9199996,"end":9.46},{"sentences":[{"text":"Thanks.","start":16.735,"end":17.235,"sentiment":"positive","sentiment_score":0.337909072637558},{"text":"Dana Oke.","start":17.375,"end":18.355,"sentiment":"neutral","sentiment_score":0.11454897373914719},{"text":"Please stay on the line.","start":18.575,"end":20.115,"sentiment":"neutral","sentiment_score":0.10213278234004974},{"text":"Hello.","start":23.055,"end":23.375,"sentiment":"neutral","sentiment_score":0.07410004734992981},{"text":"Elise speaking.","start":23.375,"end":24.275,"sentiment":"neutral","sentiment_score":0.06616491451859474}],"sentiment":"neutral","sentiment_score":0.11673643710938367,"channel":1,"num_words":11,"start":16.735,"end":24.275},{"sentences":[{"text":"Hi, Elise.","start":24.59,"end":25.310001,"sentiment":"neutral","sentiment_score":0.16881969571113586},{"text":"It's Dana from OKIE Financial.","start":25.310001,"end":26.77,"sentiment":"neutral","sentiment_score":0.1592981606721878},{"text":"How are you this morning?","start":26.83,"end":27.890001,"sentiment":"neutral","sentiment_score":0.20538554787635804}],"sentiment":"neutral","sentiment_score":0.18008816118041673,"channel":0,"num_words":12,"start":24.59,"end":27.890001},{"sentences":[{"text":"Good.","start":28.15,"end":28.310001,"sentiment":"positive","sentiment_score":0.4455439448356629},{"text":"Thanks, Dana.","start":28.310001,"end":28.79,"sentiment":"positive","sentiment_score":0.4982908070087433},{"text":"How are you?","start":28.79,"end":29.61,"sentiment":"neutral","sentiment_score":0.3263094623883565}],"sentiment":"positive","sentiment_score":0.4035089910030365,"channel":1,"num_words":6,"start":28.15,"end":29.61},{"sentences":[{"text":"I'm very well.","start":29.710001,"end":30.59,"sentiment":"positive","sentiment_score":0.5620882908503214},{"text":"Thank you.","start":30.59,"end":31.07,"sentiment":"positive","sentiment_score":0.6608544886112213},{"text":"I had you booked in today just to have a bit more of an in-depth conversation around looking at for getting some financial advice and how we can help with your goals.","start":31.07,"end":37.63,"sentiment":"neutral","sentiment_score":0.31386715872213244},{"text":"Is now still a good","start":37.63,"end":38.715,"sentiment":"neutral","sentiment_score":0.24056329429149628}],"sentiment":"positive","sentiment_score":0.3393937952461697,"channel":0,"num_words":42,"start":29.710001,"end":38.715},{"sentences":[{"text":"Yes.","start":38.47,"end":38.865,"sentiment":"neutral","sentiment_score":0.18737280368804932}],"sentiment":"neutral","sentiment_score":0.18737280368804932,"channel":1,"num_words":1,"start":38.47,"end":38.865},{"sentences":[{"text":"time there 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do record our calls for quality and training purpose.","start":49.595,"end":53.7,"sentiment":"neutral","sentiment_score":0.1214642460857119},{"text":"Is he happy to submit a proceed with that?","start":53.7,"end":55.72,"sentiment":"neutral","sentiment_score":0.15275546411673227}],"sentiment":"neutral","sentiment_score":0.1313226969743317,"channel":0,"num_words":44,"start":46.075,"end":55.72},{"sentences":[{"text":"Yep.","start":55.98,"end":56.22,"sentiment":"neutral","sentiment_score":0.08795739710330963},{"text":"Go ahead.","start":56.22,"end":56.96,"sentiment":"neutral","sentiment_score":0.14321691170334816}],"sentiment":"neutral","sentiment_score":0.12479707350333531,"channel":1,"num_words":3,"start":55.98,"end":56.96},{"sentences":[{"text":"Fantastic.","start":57.38,"end":57.88,"sentiment":"positive","sentiment_score":0.4738646149635315},{"text":"So, Ali, thank you so much for your 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of the implementation process if you take on the advice, so it's not an issue in any way, shape, or form.","start":237.345,"end":245.9,"sentiment":"positive","sentiment_score":0.42464642764793503},{"text":"Okay?","start":245.95999,"end":246.45999,"sentiment":"neutral","sentiment_score":0.17035764455795288}],"sentiment":"positive","sentiment_score":0.4177737578346923,"channel":0,"num_words":37,"start":237.345,"end":246.45999},{"sentences":[{"text":"Yep.","start":246.16501,"end":246.485,"sentiment":"neutral","sentiment_score":0.21548447012901303},{"text":"Beautiful.","start":246.485,"end":246.985,"sentiment":"positive","sentiment_score":0.5675582885742188}],"sentiment":"positive","sentiment_score":0.3915213793516159,"channel":1,"num_words":2,"start":246.16501,"end":246.985},{"sentences":[{"text":"Beautiful.","start":247.08,"end":247.58,"sentiment":"positive","sentiment_score":0.4986565709114074},{"text":"Now I can see here that you're working around about eighteen hours per week at the 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goal.","start":903.13,"end":904.49,"sentiment":"positive","sentiment_score":0.538521306855338},{"text":"We can always reassess that in the future, and for now, we'll just focus on that 12% for your employer contributions.","start":904.49,"end":909.525,"sentiment":"positive","sentiment_score":0.3572805566447122},{"text":"Easy","start":909.985,"end":910.305,"sentiment":"positive","sentiment_score":0.41423606872558594}],"sentiment":"positive","sentiment_score":0.40299230711213474,"channel":0,"num_words":29,"start":903.13,"end":910.305},{"sentences":[{"text":"Yep.","start":910.215,"end":910.715,"sentiment":"neutral","sentiment_score":0.3181026577949524}],"sentiment":"neutral","sentiment_score":0.3181026577949524,"channel":1,"num_words":1,"start":910.215,"end":910.715},{"sentences":[{"text":"done.","start":910.305,"end":910.805,"sentiment":"neutral","sentiment_score":0.272173136472702},{"text":"When we are looking at your sleep, we also wanna look at how to invest money.","start":911.585,"end":914.945,"sentiment":"neutral","sentiment_score":0.13494834769517183},{"text":"So there are different risk profiles through different people and different ages and stages.","start":914.945,"end":919.025,"sentiment":"neutral","sentiment_score":0.005831620522907802},{"text":"What we wanna do is we, unlike the industry fund, you probably just been popped into the most, you know, what their average risk profile is and their average investment class, but we have to look at it a bit deeper.","start":919.025,"end":928.77997,"sentiment":"neutral","sentiment_score":0.011302299797534943},{"text":"So we look at your age and stage, where you are, how long you have until you wanna a super and that's why we look at your goals.","start":928.77997,"end":934.785,"sentiment":"neutral","sentiment_score":0.023646703122981956}],"sentiment":"neutral","sentiment_score":0.03638491366058588,"channel":0,"num_words":100,"start":910.305,"end":934.785},{"sentences":[{"text":"We look at your age that you're wanting to hopefully retire and work from now till that age.","start":934.785,"end":939.76495,"sentiment":"neutral","sentiment_score":0.010371460061934259},{"text":"When","start":940.14496,"end":940.385,"sentiment":"neutral","sentiment_score":-0.09446081519126892}],"sentiment":"neutral","sentiment_score":0.004853971890713039,"channel":0,"num_words":19,"start":934.785,"end":940.385},{"sentences":[{"text":"Yep.","start":940.295,"end":940.795,"sentiment":"neutral","sentiment_score":-0.09815351665019988}],"sentiment":"neutral","sentiment_score":-0.09815351665019988,"channel":1,"num_words":1,"start":940.295,"end":940.795},{"sentences":[{"text":"you have a longer time, say, twenty or thirty years, you can take on a bit more risk in the market to try and get greater potential returns knowing that greater risk does save the a larger likelihood of a negative return.","start":940.385,"end":952.33,"sentiment":"neutral","sentiment_score":-0.15490149511467843},{"text":"So we do see ups and downs in the short term that can make us a bit nervous in the markets.","start":952.33,"end":956.91003,"sentiment":"neutral","sentiment_score":-0.2903007325671968},{"text":"When we're older and closer to retiring, we don't wanna take that kind of risk in the market.","start":957.05005,"end":961.425,"sentiment":"neutral","sentiment_score":-0.29068580352597767},{"text":"So we do what's called a risk profile questionnaire.","start":961.425,"end":963.845,"sentiment":"neutral","sentiment_score":-0.01887733882500066},{"text":"It's rounded at 14 old questions.","start":964.385,"end":966.305,"sentiment":"neutral","sentiment_score":0.08354658012588818}],"sentiment":"neutral","sentiment_score":-0.18232436677984273,"channel":0,"num_words":96,"start":940.385,"end":966.305},{"sentences":[{"text":"I they're all multiple choice, and I go through them as quickly as possible for you.","start":966.305,"end":969.845,"sentiment":"neutral","sentiment_score":0.18777398485690355},{"text":"But they help us to determine where you fit within that risk profile, what level of risk you should be taking to help you achieve your goals, but also what level of risk you're comfortable taking.","start":970.065,"end":979.72,"sentiment":"neutral","sentiment_score":0.20524828849981228},{"text":"Because even though, you know, you might have two people of the exact same age, they might not be comfortable in the same risk profile taking the same level of risk.","start":979.72,"end":987.07996,"sentiment":"neutral","sentiment_score":-0.19831428568690054},{"text":"One person might be seen as a bit more of a risky client.","start":987.07996,"end":989.81995,"sentiment":"neutral","sentiment_score":-0.14881005482031748},{"text":"The other one might be more conservative and wanted to take a less level of risk.","start":989.835,"end":993.435,"sentiment":"neutral","sentiment_score":-0.09494466101750731}],"sentiment":"neutral","sentiment_score":0.0070708392720137325,"channel":0,"num_words":112,"start":966.305,"end":993.435},{"sentences":[{"text":"So this risk profile helps us to break down how you feel about things, what your circumstances look like, how long you have until you're wanting to access your super, and then we'll kind of talk a bit more about what level that looks like and how you might see those investments.","start":993.435,"end":1006.61,"sentiment":"neutral","sentiment_score":0.183208739456649}],"sentiment":"neutral","sentiment_score":0.183208739456649,"channel":0,"num_words":52,"start":993.435,"end":1006.61},{"sentences":[{"text":"Mhmm.","start":1007.93,"end":1008.43,"sentiment":"neutral","sentiment_score":0.05936700850725174}],"sentiment":"neutral","sentiment_score":0.05936700850725174,"channel":1,"num_words":1,"start":1007.93,"end":1008.43},{"sentences":[{"text":"I'll go through these.","start":1008.27,"end":1009.47003,"sentiment":"neutral","sentiment_score":0.08477212116122246},{"text":"As I said, they're all multiple choice.","start":1009.47003,"end":1010.91003,"sentiment":"neutral","sentiment_score":0.09129482401268822},{"text":"I'll go through them one by one.","start":1010.91003,"end":1012.61,"sentiment":"neutral","sentiment_score":0.1512389960033553},{"text":"I've answered some of them already with how we've been kinda going.","start":1012.83,"end":1016.21,"sentiment":"neutral","sentiment_score":0.1251419714341561},{"text":"And if you're not sure, just let me know and we can talk 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understand that markets ebb and flow and and,","start":1064.35,"end":1067.41,"sentiment":"neutral","sentiment_score":0.006907682658897506}],"sentiment":"neutral","sentiment_score":0.006907682658897506,"channel":1,"num_words":9,"start":1064.35,"end":1067.41},{"sentences":[{"text":"Yep.","start":1067.53,"end":1068.03,"sentiment":"neutral","sentiment_score":0.017876429483294487}],"sentiment":"neutral","sentiment_score":0.017876429483294487,"channel":0,"num_words":1,"start":1067.53,"end":1068.03},{"sentences":[{"text":"yeah, sometimes you can have wins, sometimes you can have losses as long as you come out 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intact,","start":1073.085,"end":1073.985,"sentiment":"positive","sentiment_score":0.466297909617424}],"sentiment":"positive","sentiment_score":0.466297909617424,"channel":1,"num_words":2,"start":1073.085,"end":1073.985},{"sentences":[{"text":"Perfect.","start":1075.4501,"end":1075.9501,"sentiment":"positive","sentiment_score":0.7569749355316162}],"sentiment":"positive","sentiment_score":0.7569749355316162,"channel":0,"num_words":1,"start":1075.4501,"end":1075.9501},{"sentences":[{"text":"I'll","start":1076.285,"end":1076.785,"sentiment":"positive","sentiment_score":0.7420846819877625}],"sentiment":"positive","sentiment_score":0.7420846819877625,"channel":1,"num_words":1,"start":1076.285,"end":1076.785},{"sentences":[{"text":"Love that.","start":1076.41,"end":1077.15,"sentiment":"positive","sentiment_score":0.7371512651443481},{"text":"The next one here is how familiar are you with investment 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he says to me, he's like, that is you tell me how much you need in the transfer of my wage, and then","start":1143.2,"end":1150.1,"sentiment":"neutral","sentiment_score":-0.05605080506453911}],"sentiment":"neutral","sentiment_score":-0.05605080506453911,"channel":1,"num_words":24,"start":1143.2,"end":1150.1},{"sentences":[{"text":"Yep.","start":1150.0399,"end":1150.5399,"sentiment":"neutral","sentiment_score":-0.03398815914988518}],"sentiment":"neutral","sentiment_score":-0.03398815914988518,"channel":0,"num_words":1,"start":1150.0399,"end":1150.5399},{"sentences":[{"text":"from that, I'll leave off whatever's left over for my discretionary spending, and you just take care of the rest because it's too stressful for me, which 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calculated.","start":1555.68,"end":1561.86,"sentiment":"neutral","sentiment_score":0.22663586197987848},{"text":"Am I on the right track with that?","start":1562.0,"end":1563.675,"sentiment":"neutral","sentiment_score":0.16969200409948826}],"sentiment":"neutral","sentiment_score":0.2119406728494552,"channel":0,"num_words":31,"start":1555.68,"end":1563.675},{"sentences":[{"text":"Yep.","start":1563.675,"end":1563.915,"sentiment":"neutral","sentiment_score":0.3238266408443451},{"text":"That sounds bright.","start":1563.915,"end":1564.975,"sentiment":"positive","sentiment_score":0.5033910075823466}],"sentiment":"positive","sentiment_score":0.4584999158978462,"channel":1,"num_words":4,"start":1563.675,"end":1564.975},{"sentences":[{"text":"Yep.","start":1565.1951,"end":1565.675,"sentiment":"positive","sentiment_score":0.4200987219810486},{"text":"Perfect.","start":1565.675,"end":1566.175,"sentiment":"positive","sentiment_score":0.6006879806518555},{"text":"The next one here is thinking about your current super balance.","start":1566.875,"end":1569.5951,"sentiment":"neutral","sentiment_score":0.10936044630679218},{"text":"So if we saw, like, a large market dip, which can and will happen in the future, we've had some ups and downs this year.","start":1569.5951,"end":1575.5951,"sentiment":"neutral","sentiment_score":-0.02163285806775093},{"text":"They've only been very minor in comparison to what we have seen in the past.","start":1575.5951,"end":1579.78,"sentiment":"neutral","sentiment_score":-0.11754375000794728}],"sentiment":"neutral","sentiment_score":-0.0015136998076483888,"channel":0,"num_words":53,"start":1565.1951,"end":1579.78},{"sentences":[{"text":"But every, you know, couple of years within a ten year time horizon, we do generally see a large market up and down where the market can drop anywhere from, say, 10 to 20 to 30% depending on what the market goes through.","start":1580.08,"end":1591.94,"sentiment":"neutral","sentiment_score":-0.07591293176072975},{"text":"It's about making sure that you're invested through those times, and you can stay invested, not cementing or taking any of the money out when you go to those down times there.","start":1592.345,"end":1600.845,"sentiment":"neutral","sentiment_score":0.013201501977164298},{"text":"If you thought about your current super balance, which is a bit over 79,000 currently, and you saw that drop up to 50%, more than 50%, or say up to twenty, thirty, or 10%, how much of a drop do you think that Super Balance could withstand before you're starting to feel quite nervous?","start":1600.985,"end":1620.01,"sentiment":"neutral","sentiment_score":-0.03373385420827954},{"text":"How far of a drop would you be comfortable taking, do you think?","start":1620.1499,"end":1623.625,"sentiment":"neutral","sentiment_score":-0.0267679626838519}],"sentiment":"neutral","sentiment_score":-0.03529168763788233,"channel":0,"num_words":142,"start":1580.08,"end":1623.625},{"sentences":[{"text":"I would say max 30 to 40% drop","start":1624.62,"end":1628.88,"sentiment":"neutral","sentiment_score":-0.01302310242317617}],"sentiment":"neutral","sentiment_score":-0.01302310242317617,"channel":1,"num_words":8,"start":1624.62,"end":1628.88},{"sentences":[{"text":"Okay.","start":1628.565,"end":1629.065,"sentiment":"neutral","sentiment_score":0.004084641113877296}],"sentiment":"neutral","sentiment_score":0.004084641113877296,"channel":0,"num_words":1,"start":1628.565,"end":1629.065},{"sentences":[{"text":"considering how","start":1628.94,"end":1629.82,"sentiment":"neutral","sentiment_score":0.014681665226817131}],"sentiment":"neutral","sentiment_score":0.014681665226817131,"channel":1,"num_words":2,"start":1628.94,"end":1629.82},{"sentences":[{"text":"Yep.","start":1629.6849,"end":1630.1849,"sentiment":"neutral","sentiment_score":0.02541978284716606}],"sentiment":"neutral","sentiment_score":0.02541978284716606,"channel":0,"num_words":1,"start":1629.6849,"end":1630.1849},{"sentences":[{"text":"much is in there currently.","start":1629.82,"end":1631.12,"sentiment":"neutral","sentiment_score":0.00479341708123684}],"sentiment":"neutral","sentiment_score":0.00479341708123684,"channel":1,"num_words":5,"start":1629.82,"end":1631.12},{"sentences":[{"text":"Yep.","start":1631.925,"end":1632.425,"sentiment":"neutral","sentiment_score":0.04025622457265854}],"sentiment":"neutral","sentiment_score":0.04025622457265854,"channel":0,"num_words":1,"start":1631.925,"end":1632.425},{"sentences":[{"text":"I mean, at","start":1632.38,"end":1633.5468,"sentiment":"neutral","sentiment_score":0.0228204894810915}],"sentiment":"neutral","sentiment_score":0.0228204894810915,"channel":1,"num_words":3,"start":1632.38,"end":1633.5468},{"sentences":[{"text":"Yeah.","start":1633.38,"end":1633.88,"sentiment":"neutral","sentiment_score":0.044029779732227325}],"sentiment":"neutral","sentiment_score":0.044029779732227325,"channel":0,"num_words":1,"start":1633.38,"end":1633.88},{"sentences":[{"text":"yeah.","start":1634.06,"end":1634.46,"sentiment":"neutral","sentiment_score":0.05481977015733719},{"text":"Some point in recent, I will wanna retire and travel","start":1634.46,"end":1638.215,"sentiment":"neutral","sentiment_score":0.06445508264005184}],"sentiment":"neutral","sentiment_score":0.06357914514162323,"channel":1,"num_words":11,"start":1634.06,"end":1638.215},{"sentences":[{"text":"Yep.","start":1639.06,"end":1639.56,"sentiment":"neutral","sentiment_score":0.14706557989120483}],"sentiment":"neutral","sentiment_score":0.14706557989120483,"channel":0,"num_words":1,"start":1639.06,"end":1639.56},{"sentences":[{"text":"and also make sure that we can help our kids out.","start":1639.155,"end":1642.535,"sentiment":"neutral","sentiment_score":0.17150175435976547}],"sentiment":"neutral","sentiment_score":0.17150175435976547,"channel":1,"num_words":11,"start":1639.155,"end":1642.535},{"sentences":[{"text":"Yes.","start":1643.3,"end":1643.8,"sentiment":"neutral","sentiment_score":0.04684419929981232}],"sentiment":"neutral","sentiment_score":0.04684419929981232,"channel":0,"num_words":1,"start":1643.3,"end":1643.8},{"sentences":[{"text":"But, yeah, like, obviously, where that my super is sitting at currently is so low because of not working during maternity leaves and etcetera.","start":1645.795,"end":1655.55,"sentiment":"neutral","sentiment_score":-0.06879694658952455}],"sentiment":"neutral","sentiment_score":-0.06879694658952455,"channel":1,"num_words":24,"start":1645.795,"end":1655.55},{"sentences":[{"text":"Yep.","start":1655.875,"end":1656.375,"sentiment":"neutral","sentiment_score":0.03289501368999481},{"text":"Yeah.","start":1656.435,"end":1656.935,"sentiment":"neutral","sentiment_score":0.03896830976009369}],"sentiment":"neutral","sentiment_score":0.03593166172504425,"channel":0,"num_words":2,"start":1655.875,"end":1656.935},{"sentences":[{"text":"So I think","start":1656.5701,"end":1658.01,"sentiment":"neutral","sentiment_score":0.028077946975827217}],"sentiment":"neutral","sentiment_score":0.028077946975827217,"channel":1,"num_words":3,"start":1656.5701,"end":1658.01},{"sentences":[{"text":"Yep.","start":1657.9701,"end":1658.4701,"sentiment":"neutral","sentiment_score":0.023800967261195183}],"sentiment":"neutral","sentiment_score":0.023800967261195183,"channel":0,"num_words":1,"start":1657.9701,"end":1658.4701},{"sentences":[{"text":"for me, I feel like I need to take a bit of risk to try and grow it.","start":1658.01,"end":1662.5901,"sentiment":"neutral","sentiment_score":-0.26875074663096005},{"text":"And with risk, there's always that it it could go both ways.","start":1662.65,"end":1667.145,"sentiment":"neutral","sentiment_score":-0.1419027547041575}],"sentiment":"neutral","sentiment_score":-0.21801154986023902,"channel":1,"num_words":30,"start":1658.01,"end":1667.145},{"sentences":[{"text":"Yeah.","start":1667.81,"end":1668.13,"sentiment":"neutral","sentiment_score":0.1040911003947258},{"text":"Absolutely.","start":1668.13,"end":1668.63,"sentiment":"neutral","sentiment_score":0.2335052490234375},{"text":"No.","start":1669.0901,"end":1669.41,"sentiment":"neutral","sentiment_score":0.1154034435749054},{"text":"Perfect.","start":1669.41,"end":1669.91,"sentiment":"positive","sentiment_score":0.4275940060615539},{"text":"Excellent answer.","start":1670.13,"end":1671.1901,"sentiment":"positive","sentiment_score":0.44336140155792236}],"sentiment":"neutral","sentiment_score":0.2945527670284112,"channel":0,"num_words":6,"start":1667.81,"end":1671.1901},{"sentences":[{"text":"The next one here is about volatility.","start":1671.815,"end":1673.515,"sentiment":"neutral","sentiment_score":-0.0305988538478102},{"text":"So, again, if you saw this super drop by 20%, how do you think you might react?","start":1673.575,"end":1678.135,"sentiment":"neutral","sentiment_score":-0.1139963511377573},{"text":"Do you think you might wanna put some more money into it, see it as a buying opportunity?","start":1678.135,"end":1681.835,"sentiment":"neutral","sentiment_score":-0.06647044316762024},{"text":"Are you more likely to hold and wait, maybe call us and have us talk you through it, or are you more likely to cement the loss, sell the investment, and move your funds to something a bit more secure?","start":1682.215,"end":1691.8301,"sentiment":"neutral","sentiment_score":-0.159743457660079},{"text":"How do you think you might react?","start":1691.8301,"end":1693.29,"sentiment":"neutral","sentiment_score":-0.05744966119527817}],"sentiment":"neutral","sentiment_score":-0.11393802087712154,"channel":0,"num_words":89,"start":1671.815,"end":1693.29},{"sentences":[{"text":"I'd take your advice.","start":1694.22,"end":1695.195,"sentiment":"neutral","sentiment_score":0.05674474872648716}],"sentiment":"neutral","sentiment_score":0.05674474872648716,"channel":1,"num_words":4,"start":1694.22,"end":1695.195},{"sentences":[{"text":"Yep.","start":1695.91,"end":1696.31,"sentiment":"neutral","sentiment_score":0.3084418773651123},{"text":"Beautiful.","start":1696.31,"end":1696.81,"sentiment":"positive","sentiment_score":0.6548946499824524},{"text":"Excellent.","start":1696.9501,"end":1697.4501,"sentiment":"positive","sentiment_score":0.6395931243896484},{"text":"The next one here is looking at the kind of rate of return where after long term wise, you're probably looking for the highest return you can probably get out of your super and out of the investments on a yearly basis.","start":1698.645,"end":1707.7051,"sentiment":"neutral","sentiment_score":0.2227989165555863},{"text":"Sound about right?","start":1707.8451,"end":1708.905,"sentiment":"neutral","sentiment_score":0.10202021896839142}],"sentiment":"neutral","sentiment_score":0.23471968341618776,"channel":0,"num_words":48,"start":1695.91,"end":1708.905},{"sentences":[{"text":"Yeah.","start":1709.595,"end":1709.835,"sentiment":"neutral","sentiment_score":0.146283820271492},{"text":"That that in an ideal world, yeah, that would be that would be right.","start":1709.835,"end":1714.3501,"sentiment":"neutral","sentiment_score":0.18064499433551515}],"sentiment":"neutral","sentiment_score":0.1783542493979136,"channel":1,"num_words":15,"start":1709.595,"end":1714.3501},{"sentences":[{"text":"Yep.","start":1715.0,"end":1715.4,"sentiment":"neutral","sentiment_score":0.050572097301483154},{"text":"No.","start":1715.4,"end":1715.7999,"sentiment":"neutral","sentiment_score":-0.024505391716957092},{"text":"Perfect.","start":1715.7999,"end":1716.2999,"sentiment":"neutral","sentiment_score":0.07261502742767334},{"text":"The next one here is, again, looking at have you ever seen your super fall in value?","start":1717.0,"end":1721.4,"sentiment":"neutral","sentiment_score":-0.07107905791524578},{"text":"So if you did see a bit of a market drop with the what's happening in the world globally and it dropped a little bit.","start":1721.4,"end":1727.275,"sentiment":"neutral","sentiment_score":-0.13472354248166085}],"sentiment":"neutral","sentiment_score":-0.09950557363530001,"channel":0,"num_words":45,"start":1715.0,"end":1727.275},{"sentences":[{"text":"Do you think you might be feeling optimistic, cautious, concerned, or a bit anxious?","start":1727.275,"end":1730.9551,"sentiment":"neutral","sentiment_score":-0.09194395904030118},{"text":"How do you think you might feel in that instance?","start":1730.9551,"end":1733.135,"sentiment":"neutral","sentiment_score":-0.035321671329438684}],"sentiment":"neutral","sentiment_score":-0.06835133916077514,"channel":0,"num_words":24,"start":1727.275,"end":1733.135},{"sentences":[{"text":"I've never seen it drop, so","start":1734.105,"end":1736.125,"sentiment":"neutral","sentiment_score":-0.09411757998168468}],"sentiment":"neutral","sentiment_score":-0.09411757998168468,"channel":1,"num_words":6,"start":1734.105,"end":1736.125},{"sentences":[{"text":"Yep.","start":1736.4751,"end":1736.9751,"sentiment":"neutral","sentiment_score":-0.02819975838065147}],"sentiment":"neutral","sentiment_score":-0.02819975838065147,"channel":0,"num_words":1,"start":1736.4751,"end":1736.9751},{"sentences":[{"text":"I'm gonna have speculate here.","start":1736.985,"end":1738.7001,"sentiment":"neutral","sentiment_score":-0.07290457636117935},{"text":"And I would be I'd be a little bit nervous, but also, like, I'm I'm not scared by one orange man,","start":1738.7001,"end":1746.64,"sentiment":"neutral","sentiment_score":-0.13118062629586175}],"sentiment":"neutral","sentiment_score":-0.11997369361611512,"channel":1,"num_words":26,"start":1736.985,"end":1746.64},{"sentences":[{"text":"Yep.","start":1746.9701,"end":1747.29,"sentiment":"neutral","sentiment_score":-0.02693249844014645},{"text":"Yep.","start":1747.29,"end":1747.6901,"sentiment":"neutral","sentiment_score":0.03020966798067093},{"text":"Yep.","start":1747.6901,"end":1748.0901,"sentiment":"neutral","sentiment_score":0.025114797055721283},{"text":"No.","start":1748.0901,"end":1748.3301,"sentiment":"neutral","sentiment_score":0.014090709388256071},{"text":"Perfect.","start":1748.3301,"end":1748.8301,"sentiment":"neutral","sentiment_score":0.2030295580625534}],"sentiment":"neutral","sentiment_score":0.049102446809411046,"channel":0,"num_words":5,"start":1746.9701,"end":1748.8301},{"sentences":[{"text":"if that makes sense.","start":1748.38,"end":1749.52,"sentiment":"neutral","sentiment_score":0.15700629353523254}],"sentiment":"neutral","sentiment_score":0.15700629353523254,"channel":1,"num_words":4,"start":1748.38,"end":1749.52},{"sentences":[{"text":"It does.","start":1749.93,"end":1750.65,"sentiment":"neutral","sentiment_score":0.17600444704294205},{"text":"Absolutely.","start":1750.65,"end":1751.15,"sentiment":"neutral","sentiment_score":0.20272138714790344},{"text":"The next one here is talking about the types of returns that we get.","start":1752.5751,"end":1755.535,"sentiment":"neutral","sentiment_score":0.06060256436467171},{"text":"So when we have investments, we like two different types of returns.","start":1755.535,"end":1758.335,"sentiment":"neutral","sentiment_score":0.03682208868364493},{"text":"One of those is capital growth.","start":1758.335,"end":1759.855,"sentiment":"neutral","sentiment_score":0.04567307295898596}],"sentiment":"neutral","sentiment_score":0.06054484812276704,"channel":0,"num_words":35,"start":1749.93,"end":1759.855},{"sentences":[{"text":"So say if you had, you know, CVA shares and you bought that at $20 per share, the next day went up to $50 per share.","start":1759.855,"end":1766.495,"sentiment":"neutral","sentiment_score":0.035557181072922855},{"text":"The difference in the share price is a growth.","start":1766.495,"end":1768.73,"sentiment":"neutral","sentiment_score":0.028863554613457784},{"text":"We also look at income producing, which is dividends.","start":1768.87,"end":1771.59,"sentiment":"neutral","sentiment_score":0.05066260343624486},{"text":"So we invest in managed funds and ETFs that provide dividends on a regular basis.","start":1771.59,"end":1777.19,"sentiment":"neutral","sentiment_score":0.09807143857081731},{"text":"Those dividends are income, and they get paid into your cash account in your super and reinvested back into the investments for compounding effect.","start":1777.19,"end":1784.635,"sentiment":"neutral","sentiment_score":0.13579132469991842}],"sentiment":"neutral","sentiment_score":0.07675042773136892,"channel":0,"num_words":83,"start":1759.855,"end":1784.635},{"sentences":[{"text":"Generally, when we're younger, we could take a bit more risk to get more in the way of capital growth.","start":1785.5751,"end":1789.5751,"sentiment":"neutral","sentiment_score":-0.08792988020722987},{"text":"When we're older, we like a bit more income producing because it tends to help pay the income in those retirement years.","start":1789.5751,"end":1795.1951,"sentiment":"neutral","sentiment_score":0.0885995135388591},{"text":"With where you're at at the moment, do you think you'd want more capital growth, more income, or a balance of both?","start":1795.5,"end":1800.88,"sentiment":"neutral","sentiment_score":0.04418820125812834}],"sentiment":"neutral","sentiment_score":0.0181676893967051,"channel":0,"num_words":64,"start":1785.5751,"end":1800.88},{"sentences":[{"text":"I haven't actually ever thought about it.","start":1803.51,"end":1805.325,"sentiment":"neutral","sentiment_score":-0.11506943191800799},{"text":"I","start":1806.205,"end":1806.365,"sentiment":"neutral","sentiment_score":0.0009110048413276672}],"sentiment":"neutral","sentiment_score":-0.10057187732309103,"channel":1,"num_words":8,"start":1803.51,"end":1806.365},{"sentences":[{"text":"Yeah.","start":1806.3,"end":1806.8,"sentiment":"neutral","sentiment_score":0.10214798152446748}],"sentiment":"neutral","sentiment_score":0.10214798152446748,"channel":0,"num_words":1,"start":1806.3,"end":1806.8},{"sentences":[{"text":"mean, I kind of think super is like a a bonus thing at the 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set","start":1813.485,"end":1821.04,"sentiment":"neutral","sentiment_score":0.32620332728732715}],"sentiment":"neutral","sentiment_score":0.32620332728732715,"channel":1,"num_words":22,"start":1813.485,"end":1821.04},{"sentences":[{"text":"Yep.","start":1820.89,"end":1821.39,"sentiment":"neutral","sentiment_score":0.30552050471305847}],"sentiment":"neutral","sentiment_score":0.30552050471305847,"channel":0,"num_words":1,"start":1820.89,"end":1821.39},{"sentences":[{"text":"ourselves up with other investments that help us to fund retirement.","start":1821.04,"end":1825.84,"sentiment":"neutral","sentiment_score":0.24699089202013882}],"sentiment":"neutral","sentiment_score":0.24699089202013882,"channel":1,"num_words":11,"start":1821.04,"end":1825.84},{"sentences":[{"text":"Yep.","start":1825.4501,"end":1825.9501,"sentiment":"neutral","sentiment_score":0.1587066650390625}],"sentiment":"neutral","sentiment_score":0.1587066650390625,"channel":0,"num_words":1,"start":1825.4501,"end":1825.9501},{"sentences":[{"text":"Does that make sense?","start":1825.84,"end":1826.8201,"sentiment":"neutral","sentiment_score":0.17175943031907082}],"sentiment":"neutral","sentiment_score":0.17175943031907082,"channel":1,"num_words":4,"start":1825.84,"end":1826.8201},{"sentences":[{"text":"Yeah.","start":1827.2101,"end":1827.53,"sentiment":"neutral","sentiment_score":0.2905098795890808},{"text":"Absolutely.","start":1827.53,"end":1828.03,"sentiment":"positive","sentiment_score":0.45762139558792114},{"text":"Most definitely.","start":1828.49,"end":1829.31,"sentiment":"positive","sentiment_score":0.48198646306991577},{"text":"Perfect.","start":1829.77,"end":1830.27,"sentiment":"positive","sentiment_score":0.6771206259727478}],"sentiment":"positive","sentiment_score":0.47784496545791627,"channel":0,"num_words":5,"start":1827.2101,"end":1830.27},{"sentences":[{"text":"So I think, like, for myself, like, I'm like, well, it's gonna be a bit of a rough trough for the next five to ten years with little kids.","start":1830.515,"end":1838.375,"sentiment":"neutral","sentiment_score":0.1567659797789208}],"sentiment":"neutral","sentiment_score":0.1567659797789208,"channel":1,"num_words":29,"start":1830.515,"end":1838.375},{"sentences":[{"text":"Mhmm.","start":1838.9851,"end":1839.4851,"sentiment":"neutral","sentiment_score":0.08304603397846222}],"sentiment":"neutral","sentiment_score":0.08304603397846222,"channel":0,"num_words":1,"start":1838.9851,"end":1839.4851},{"sentences":[{"text":"But then after that, hopefully, we free up a bit of cash and can start investing in other things.","start":1839.0751,"end":1844.07,"sentiment":"neutral","sentiment_score":0.2180928772217349}],"sentiment":"neutral","sentiment_score":0.2180928772217349,"channel":1,"num_words":19,"start":1839.0751,"end":1844.07},{"sentences":[{"text":"Yep.","start":1844.6,"end":1845.1,"sentiment":"neutral","sentiment_score":0.04272071644663811}],"sentiment":"neutral","sentiment_score":0.04272071644663811,"channel":0,"num_words":1,"start":1844.6,"end":1845.1},{"sentences":[{"text":"So I'm not really sure how to answer.","start":1847.6699,"end":1850.1699,"sentiment":"neutral","sentiment_score":-0.1320248474366963}],"sentiment":"neutral","sentiment_score":-0.1320248474366963,"channel":1,"num_words":8,"start":1847.6699,"end":1850.1699},{"sentences":[{"text":"That's okay.","start":1850.7599,"end":1851.48,"sentiment":"neutral","sentiment_score":-0.04015753231942654}],"sentiment":"neutral","sentiment_score":-0.04015753231942654,"channel":0,"num_words":2,"start":1850.7599,"end":1851.48},{"sentences":[{"text":"Hopefully","start":1851.19,"end":1851.69,"sentiment":"neutral","sentiment_score":0.009801080450415611}],"sentiment":"neutral","sentiment_score":0.009801080450415611,"channel":1,"num_words":1,"start":1851.19,"end":1851.69},{"sentences":[{"text":"Do you 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you think you're sort of wanting a bit of both?","start":1852.6799,"end":1855.88,"sentiment":"neutral","sentiment_score":0.04762297338591172},{"text":"You're wanting that capital growth, but 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bit of income there as well?","start":1859.645,"end":1862.785,"sentiment":"neutral","sentiment_score":0.007284161276542223}],"sentiment":"neutral","sentiment_score":0.007284161276542223,"channel":0,"num_words":13,"start":1859.645,"end":1862.785},{"sentences":[{"text":"Yeah.","start":1863.1549,"end":1863.3949,"sentiment":"neutral","sentiment_score":0.05227436125278473},{"text":"Let's go both.","start":1863.3949,"end":1864.455,"sentiment":"neutral","sentiment_score":0.09174936885635059}],"sentiment":"neutral","sentiment_score":0.08188061695545912,"channel":1,"num_words":4,"start":1863.1549,"end":1864.455},{"sentences":[{"text":"Yep.","start":1865.005,"end":1865.505,"sentiment":"neutral","sentiment_score":0.174526184797287}],"sentiment":"neutral","sentiment_score":0.174526184797287,"channel":0,"num_words":1,"start":1865.005,"end":1865.505},{"sentences":[{"text":"Go 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okay.","start":1885.6849,"end":1886.505,"sentiment":"neutral","sentiment_score":0.09665905125439167},{"text":"And do you have any kind of goals on the track where you might wanna buy investment properties?","start":1887.125,"end":1890.885,"sentiment":"neutral","sentiment_score":0.05305109090275235},{"text":"We did sort of talk about you you wanting to maybe invest outside of super as well.","start":1890.885,"end":1894.985,"sentiment":"neutral","sentiment_score":0.02963030623162494},{"text":"Is property one of those things that you guys might wanna invest in down the 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seek advice before doing it.","start":1928.2401,"end":1931.14,"sentiment":"neutral","sentiment_score":-0.12892632765902412}],"sentiment":"neutral","sentiment_score":-0.12892632765902412,"channel":1,"num_words":9,"start":1928.2401,"end":1931.14},{"sentences":[{"text":"Yep.","start":1931.56,"end":1932.04,"sentiment":"neutral","sentiment_score":-0.011196805164217947},{"text":"Yep.","start":1932.04,"end":1932.28,"sentiment":"neutral","sentiment_score":-0.012000491842627524},{"text":"So make sure you understand the 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risk.","start":1951.83,"end":1954.47,"sentiment":"neutral","sentiment_score":-0.027778087988157164}],"sentiment":"neutral","sentiment_score":0.2099199295128611,"channel":0,"num_words":55,"start":1940.2949,"end":1954.47},{"sentences":[{"text":"You're kind of in that mid range a little bit.","start":1954.47,"end":1956.3099,"sentiment":"neutral","sentiment_score":0.009838131070137025},{"text":"So our investor profile start off aggressive high growth, growth, balance growth, and balanced, and then kind conservative and defensive at the very bottom there.","start":1956.3099,"end":1964.975,"sentiment":"neutral","sentiment_score":0.06131886139512062},{"text":"So you're fairly mid range.","start":1964.975,"end":1966.835,"sentiment":"neutral","sentiment_score":0.03347704261541366},{"text":"What","start":1967.535,"end":1967.855,"sentiment":"neutral","sentiment_score":0.07478995621204376}],"sentiment":"neutral","sentiment_score":0.04569580524069507,"channel":0,"num_words":41,"start":1954.47,"end":1967.855},{"sentences":[{"text":"Yep.","start":1967.73,"end":1968.23,"sentiment":"neutral","sentiment_score":0.053552865982055664}],"sentiment":"neutral","sentiment_score":0.053552865982055664,"channel":1,"num_words":1,"start":1967.73,"end":1968.23},{"sentences":[{"text":"you would normally see when you think about your super is you would see 80% of your super invest in growth assets.","start":1967.855,"end":1973.375,"sentiment":"neutral","sentiment_score":0.05935771695592187},{"text":"So things like Australian shares, international shares, listed property, and also commodities, so gold and silver there as 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regularly as those growth investments do.","start":1994.875,"end":2000.015,"sentiment":"neutral","sentiment_score":-0.006770222033891413},{"text":"So having a mix of those gives you diversification, having some high risk investments as well as some lower risk investments in there.","start":2000.395,"end":2006.895,"sentiment":"neutral","sentiment_score":0.14201157726347446},{"text":"With the growth portfolio, we're sort of chasing an average return of around seven to 9% on a yearly basis.","start":2006.99,"end":2012.53,"sentiment":"neutral","sentiment_score":0.04032363127917051},{"text":"That's compounding forward.","start":2013.0701,"end":2014.43,"sentiment":"neutral","sentiment_score":0.08374818786978722}],"sentiment":"neutral","sentiment_score":0.05903729498498591,"channel":0,"num_words":83,"start":1990.04,"end":2014.43},{"sentences":[{"text":"Anything over that 9% is your portfolio has over performed and done exceptionally well.","start":2014.43,"end":2019.7101,"sentiment":"neutral","sentiment_score":0.15057891660502978},{"text":"Anything under that 7% and your your portfolio's underperformed through the year there.","start":2019.7101,"end":2024.885,"sentiment":"neutral","sentiment_score":0.02114567834024246},{"text":"With the growth portfolio, because we talked about the likelihood of a negative return, these things do happen with market volatility.","start":2025.665,"end":2031.845,"sentiment":"neutral","sentiment_score":-0.1777574648814542},{"text":"We would expect a negative return sort of one in every five years, And this sort of investor profile suits someone who has at least six years before they're wanting to retire.","start":2032.385,"end":2040.83,"sentiment":"neutral","sentiment_score":-0.16073946643155068},{"text":"So you've got more than double that at the moment.","start":2040.83,"end":2043.3099,"sentiment":"neutral","sentiment_score":-0.14181610122323035}],"sentiment":"neutral","sentiment_score":-0.08790813388509883,"channel":0,"num_words":90,"start":2014.43,"end":2043.3099},{"sentences":[{"text":"You're not going you know, you're not retiring anytime soon.","start":2043.3099,"end":2046.2899,"sentiment":"neutral","sentiment_score":-0.16808996424078942},{"text":"So you do have that sort of minimum time horizon to be up in that growth environment.","start":2046.6699,"end":2050.8499,"sentiment":"neutral","sentiment_score":-0.09824980685816091},{"text":"And with your agent stage and where you're at at the moment, we normally see someone in either a growth or high growth environment with that with where they are.","start":2051.4248,"end":2058.6448,"sentiment":"neutral","sentiment_score":-0.013685719994828104},{"text":"When you're about six years away from wanting to access super or retire, then we would sort of see that drop significantly there.","start":2059.1848,"end":2066.2449,"sentiment":"neutral","sentiment_score":-0.12231548405859781},{"text":"Does that growth environment sort of sit with where you'd like to see your super, or did you wanna maybe look at increasing or decreasing the risk level a little bit there?","start":2066.52,"end":2074.68,"sentiment":"neutral","sentiment_score":-0.05370788963045925}],"sentiment":"neutral","sentiment_score":-0.07405023714610641,"channel":0,"num_words":112,"start":2043.3099,"end":2074.68},{"sentences":[{"text":"How do you feel about that?","start":2074.68,"end":2076.1401,"sentiment":"neutral","sentiment_score":-0.04413228606184324}],"sentiment":"neutral","sentiment_score":-0.04413228606184324,"channel":0,"num_words":6,"start":2074.68,"end":2076.1401},{"sentences":[{"text":"I feel like a growth environment sounds good.","start":2076.56,"end":2079.2,"sentiment":"neutral","sentiment_score":-0.14372726064175367},{"text":"I mean, 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currently, so some","start":2080.8052,"end":2083.925,"sentiment":"neutral","sentiment_score":-0.1283948696218431}],"sentiment":"neutral","sentiment_score":-0.1283948696218431,"channel":1,"num_words":8,"start":2080.8052,"end":2083.925},{"sentences":[{"text":"Yep.","start":2083.815,"end":2084.315,"sentiment":"neutral","sentiment_score":-0.006106676068156958}],"sentiment":"neutral","sentiment_score":-0.006106676068156958,"channel":0,"num_words":1,"start":2083.815,"end":2084.315},{"sentences":[{"text":"growth would be 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yourself.","start":2096.4302,"end":2104.85,"sentiment":"neutral","sentiment_score":0.12811692734248936},{"text":"Okay?","start":2104.99,"end":2105.49,"sentiment":"neutral","sentiment_score":0.12576527893543243}],"sentiment":"neutral","sentiment_score":0.12878655605018138,"channel":0,"num_words":40,"start":2094.9102,"end":2105.49},{"sentences":[{"text":"Yep.","start":2105.45,"end":2105.95,"sentiment":"neutral","sentiment_score":0.17560583353042605},{"text":"Sounds good.","start":2106.25,"end":2107.07,"sentiment":"positive","sentiment_score":0.4317166954278946}],"sentiment":"positive","sentiment_score":0.3463464081287384,"channel":1,"num_words":3,"start":2105.45,"end":2107.07},{"sentences":[{"text":"Perfect.","start":2106.695,"end":2107.095,"sentiment":"positive","sentiment_score":0.5347181558609009},{"text":"Now excellent.","start":2107.095,"end":2108.055,"sentiment":"positive","sentiment_score":0.5040752589702606},{"text":"Now I'll have a look at that for you.","start":2108.055,"end":2109.915,"sentiment":"neutral","sentiment_score":0.23422353631920284},{"text":"Now there are some other different ways to invest.","start":2109.975,"end":2112.795,"sentiment":"neutral","sentiment_score":0.0908664647075865},{"text":"They have different management styles.","start":2113.095,"end":2114.855,"sentiment":"neutral","sentiment_score":0.05438319891691208}],"sentiment":"neutral","sentiment_score":0.18233056452411872,"channel":0,"num_words":26,"start":2106.695,"end":2114.855},{"sentences":[{"text":"The first one is active management.","start":2114.855,"end":2116.715,"sentiment":"neutral","sentiment_score":0.08518600029249986},{"text":"Having a little bit management in there means that you're investing in act in investment managers who are trying to outperform the market.","start":2117.575,"end":2124.02,"sentiment":"neutral","sentiment_score":0.10445791632746873},{"text":"Having more of an active approach to your portfolio does it can cost a little bit 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two","start":2243.71,"end":2245.01,"sentiment":"neutral","sentiment_score":0.004053184296935797}],"sentiment":"neutral","sentiment_score":0.03432557043497977,"channel":1,"num_words":23,"start":2234.4302,"end":2245.01},{"sentences":[{"text":"You","start":2244.645,"end":2245.11,"sentiment":"neutral","sentiment_score":0.008745567873120308}],"sentiment":"neutral","sentiment_score":0.008745567873120308,"channel":0,"num_words":1,"start":2244.645,"end":2245.11},{"sentences":[{"text":"two thirds.","start":2245.615,"end":2246.435,"sentiment":"neutral","sentiment_score":0.017928882502019405}],"sentiment":"neutral","sentiment_score":0.017928882502019405,"channel":1,"num_words":2,"start":2245.615,"end":2246.435},{"sentences":[{"text":"yeah, you you can.","start":2246.07,"end":2247.77,"sentiment":"neutral","sentiment_score":0.06962691806256771},{"text":"It is a little bit harder.","start":2247.99,"end":2249.4502,"sentiment":"neutral","sentiment_score":-0.16237401217222214},{"text":"We","start":2249.6702,"end":2249.9102,"sentiment":"neutral","sentiment_score":-0.13352157175540924}],"sentiment":"neutral","sentiment_score":-0.07538708841258829,"channel":0,"num_words":11,"start":2246.07,"end":2249.9102},{"sentences":[{"text":"Sorry.","start":2249.7751,"end":2250.2751,"sentiment":"neutral","sentiment_score":-0.1546955108642578}],"sentiment":"neutral","sentiment_score":-0.1546955108642578,"channel":1,"num_words":1,"start":2249.7751,"end":2250.2751},{"sentences":[{"text":"when we sort of look at investments, we kind of break it down into this growth and defensive investment classes.","start":2250.07,"end":2255.37,"sentiment":"neutral","sentiment_score":-0.07197218015789986},{"text":"So we would need to sort of split your portfolio up a little bit differently to go the aggressive because aggressive a 100% growth investments.","start":2255.4302,"end":2263.085,"sentiment":"neutral","sentiment_score":0.13959971487522124},{"text":"There's no defensive investments in there at all.","start":2263.085,"end":2265.585,"sentiment":"neutral","sentiment_score":0.07059470191597939},{"text":"What I would probably look at doing is maybe just adding some active investment in there for you.","start":2266.365,"end":2272.065,"sentiment":"neutral","sentiment_score":0.2447116192844179},{"text":"This is thinking about the different ways we could probably do that.","start":2275.23,"end":2278.53,"sentiment":"neutral","sentiment_score":0.20398853967587152}],"sentiment":"neutral","sentiment_score":0.11407203020819698,"channel":0,"num_words":83,"start":2250.07,"end":2278.53},{"sentences":[{"text":"I can have a look at how we could maybe look at doing that for you 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possible","start":2283.31,"end":2284.03,"sentiment":"neutral","sentiment_score":0.17597775161266327}],"sentiment":"neutral","sentiment_score":0.17597775161266327,"channel":0,"num_words":2,"start":2283.31,"end":2284.03},{"sentences":[{"text":"down the line.","start":2283.555,"end":2284.44,"sentiment":"neutral","sentiment_score":0.17359045147895813}],"sentiment":"neutral","sentiment_score":0.17359045147895813,"channel":1,"num_words":3,"start":2283.555,"end":2284.44},{"sentences":[{"text":"within the different 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that 70 k that's there right now, and by this","start":2295.8,"end":2300.445,"sentiment":"neutral","sentiment_score":0.0546624065687259}],"sentiment":"neutral","sentiment_score":0.0546624065687259,"channel":1,"num_words":15,"start":2295.8,"end":2300.445},{"sentences":[{"text":"Yeah.","start":2300.165,"end":2300.665,"sentiment":"neutral","sentiment_score":0.051374513655900955}],"sentiment":"neutral","sentiment_score":0.051374513655900955,"channel":0,"num_words":1,"start":2300.165,"end":2300.665},{"sentences":[{"text":"time next year, we're sitting it at a 130.","start":2300.445,"end":2303.5852,"sentiment":"neutral","sentiment_score":0.08567909316884147},{"text":"Like, we've","start":2304.0452,"end":2304.605,"sentiment":"neutral","sentiment_score":0.10922332480549812}],"sentiment":"neutral","sentiment_score":0.0899598625573245,"channel":1,"num_words":11,"start":2300.445,"end":2304.605},{"sentences":[{"text":"Yeah.","start":2304.4,"end":2304.9,"sentiment":"neutral","sentiment_score":0.12880632281303406}],"sentiment":"neutral","sentiment_score":0.12880632281303406,"channel":0,"num_words":1,"start":2304.4,"end":2304.9},{"sentences":[{"text":"almost doubled it.","start":2304.605,"end":2305.645,"sentiment":"neutral","sentiment_score":0.2345092793305715},{"text":"I would be like, okay.","start":2305.645,"end":2307.2651,"sentiment":"positive","sentiment_score":0.4659963369369507},{"text":"That's impressive.","start":2307.405,"end":2308.225,"sentiment":"positive","sentiment_score":0.6390818655490875}],"sentiment":"positive","sentiment_score":0.43116732537746427,"channel":1,"num_words":10,"start":2304.605,"end":2308.225},{"sentences":[{"text":"Wow.","start":2308.0798,"end":2308.5798,"sentiment":"positive","sentiment_score":0.39921703934669495}],"sentiment":"positive","sentiment_score":0.39921703934669495,"channel":0,"num_words":1,"start":2308.0798,"end":2308.5798},{"sentences":[{"text":"Like, let's go another year of that.","start":2309.645,"end":2311.725,"sentiment":"neutral","sentiment_score":0.24505522208554403},{"text":"Let's try to make","start":2311.725,"end":2312.445,"sentiment":"neutral","sentiment_score":0.13958752527832985}],"sentiment":"neutral","sentiment_score":0.20670333233746616,"channel":1,"num_words":11,"start":2309.645,"end":2312.445},{"sentences":[{"text":"Yep.","start":2312.3198,"end":2312.5598,"sentiment":"neutral","sentiment_score":0.1362498253583908}],"sentiment":"neutral","sentiment_score":0.1362498253583908,"channel":0,"num_words":1,"start":2312.3198,"end":2312.5598},{"sentences":[{"text":"it","start":2312.445,"end":2312.605,"sentiment":"neutral","sentiment_score":0.13321936130523682}],"sentiment":"neutral","sentiment_score":0.13321936130523682,"channel":1,"num_words":1,"start":2312.445,"end":2312.605},{"sentences":[{"text":"Yep.","start":2312.5598,"end":2313.0598,"sentiment":"neutral","sentiment_score":0.09623134136199953}],"sentiment":"neutral","sentiment_score":0.09623134136199953,"channel":0,"num_words":1,"start":2312.5598,"end":2313.0598},{"sentences":[{"text":"to 200.","start":2312.605,"end":2313.5051,"sentiment":"neutral","sentiment_score":0.08969444036483765},{"text":"And then from the 200, I'd be like, okay.","start":2313.86,"end":2316.26,"sentiment":"neutral","sentiment_score":0.0653962716460228},{"text":"Well, of that 200, I'd really wanna set the original 70 back into the safe","start":2316.26,"end":2322.44,"sentiment":"neutral","sentiment_score":0.11309659282366434}],"sentiment":"neutral","sentiment_score":0.09478477761149406,"channel":1,"num_words":26,"start":2312.605,"end":2322.44},{"sentences":[{"text":"Mhmm.","start":2322.2449,"end":2322.7449,"sentiment":"neutral","sentiment_score":0.088507279753685}],"sentiment":"neutral","sentiment_score":0.088507279753685,"channel":0,"num_words":1,"start":2322.2449,"end":2322.7449},{"sentences":[{"text":"and","start":2323.06,"end":2323.3,"sentiment":"neutral","sentiment_score":0.09135951101779938}],"sentiment":"neutral","sentiment_score":0.09135951101779938,"channel":1,"num_words":1,"start":2323.06,"end":2323.3},{"sentences":[{"text":"Yep.","start":2323.285,"end":2323.785,"sentiment":"neutral","sentiment_score":0.07989823818206787}],"sentiment":"neutral","sentiment_score":0.07989823818206787,"channel":0,"num_words":1,"start":2323.285,"end":2323.785},{"sentences":[{"text":"then put the rest of it in the aggressive, if that makes sense.","start":2323.3,"end":2328.28,"sentiment":"neutral","sentiment_score":0.08288730738254693}],"sentiment":"neutral","sentiment_score":0.08288730738254693,"channel":1,"num_words":13,"start":2323.3,"end":2328.28},{"sentences":[{"text":"Yeah.","start":2327.86,"end":2328.36,"sentiment":"neutral","sentiment_score":0.07292238622903824}],"sentiment":"neutral","sentiment_score":0.07292238622903824,"channel":0,"num_words":1,"start":2327.86,"end":2328.36},{"sentences":[{"text":"That's,","start":2328.675,"end":2328.915,"sentiment":"neutral","sentiment_score":0.0701240748167038}],"sentiment":"neutral","sentiment_score":0.0701240748167038,"channel":1,"num_words":1,"start":2328.675,"end":2328.915},{"sentences":[{"text":"It","start":2328.74,"end":2328.98,"sentiment":"neutral","sentiment_score":0.05478933826088905}],"sentiment":"neutral","sentiment_score":0.05478933826088905,"channel":0,"num_words":1,"start":2328.74,"end":2328.98},{"sentences":[{"text":"like,","start":2328.915,"end":2329.155,"sentiment":"neutral","sentiment_score":0.0914631262421608}],"sentiment":"neutral","sentiment_score":0.0914631262421608,"channel":1,"num_words":1,"start":2328.915,"end":2329.155},{"sentences":[{"text":"does.","start":2328.98,"end":2329.3,"sentiment":"neutral","sentiment_score":0.08076609671115875}],"sentiment":"neutral","sentiment_score":0.08076609671115875,"channel":0,"num_words":1,"start":2328.98,"end":2329.3},{"sentences":[{"text":"how","start":2329.155,"end":2329.395,"sentiment":"neutral","sentiment_score":0.04672963172197342}],"sentiment":"neutral","sentiment_score":0.04672963172197342,"channel":1,"num_words":1,"start":2329.155,"end":2329.395},{"sentences":[{"text":"It","start":2329.3,"end":2329.54,"sentiment":"neutral","sentiment_score":0.062301404774188995}],"sentiment":"neutral","sentiment_score":0.062301404774188995,"channel":0,"num_words":1,"start":2329.3,"end":2329.54},{"sentences":[{"text":"I","start":2329.395,"end":2329.5552,"sentiment":"neutral","sentiment_score":0.08111253380775452}],"sentiment":"neutral","sentiment_score":0.08111253380775452,"channel":1,"num_words":1,"start":2329.395,"end":2329.5552},{"sentences":[{"text":"does.","start":2329.54,"end":2330.04,"sentiment":"neutral","sentiment_score":0.07373657822608948}],"sentiment":"neutral","sentiment_score":0.07373657822608948,"channel":0,"num_words":1,"start":2329.54,"end":2330.04},{"sentences":[{"text":"would how I would play it","start":2329.5552,"end":2331.495,"sentiment":"neutral","sentiment_score":0.03290830676754316}],"sentiment":"neutral","sentiment_score":0.03290830676754316,"channel":1,"num_words":6,"start":2329.5552,"end":2331.495},{"sentences":[{"text":"Yeah.","start":2332.1,"end":2332.6,"sentiment":"neutral","sentiment_score":0.05338054522871971}],"sentiment":"neutral","sentiment_score":0.05338054522871971,"channel":0,"num_words":1,"start":2332.1,"end":2332.6},{"sentences":[{"text":"just","start":2332.915,"end":2333.155,"sentiment":"neutral","sentiment_score":0.044053882360458374}],"sentiment":"neutral","sentiment_score":0.044053882360458374,"channel":1,"num_words":1,"start":2332.915,"end":2333.155},{"sentences":[{"text":"Yep.","start":2332.98,"end":2333.48,"sentiment":"neutral","sentiment_score":0.05507669970393181}],"sentiment":"neutral","sentiment_score":0.05507669970393181,"channel":0,"num_words":1,"start":2332.98,"end":2333.48},{"sentences":[{"text":"to, like, be like, okay.","start":2333.155,"end":2334.195,"sentiment":"neutral","sentiment_score":0.035508071258664134},{"text":"So we're back to where we were in one of them.","start":2334.195,"end":2337.635,"sentiment":"neutral","sentiment_score":0.0584866079417142},{"text":"Like, we've grown it to this point.","start":2337.635,"end":2339.815,"sentiment":"neutral","sentiment_score":0.14068523155791418},{"text":"I'm gonna take the original amount, put that back in the safe, and then gonna give you the remainder to just go gung ho.","start":2339.875,"end":2348.0798,"sentiment":"neutral","sentiment_score":0.06547830455626051},{"text":"Like, what have 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bonus.","start":2350.0598,"end":2353.66,"sentiment":"neutral","sentiment_score":-0.016800801952679953},{"text":"So","start":2353.66,"end":2354.16,"sentiment":"neutral","sentiment_score":0.07004204392433167}],"sentiment":"neutral","sentiment_score":-0.050809291147050406,"channel":1,"num_words":21,"start":2349.26,"end":2354.16},{"sentences":[{"text":"Yes.","start":2354.34,"end":2354.84,"sentiment":"neutral","sentiment_score":0.17019999027252197}],"sentiment":"neutral","sentiment_score":0.17019999027252197,"channel":0,"num_words":1,"start":2354.34,"end":2354.84},{"sentences":[{"text":"you've got that bonus money.","start":2354.46,"end":2356.0798,"sentiment":"neutral","sentiment_score":0.18411909639835358},{"text":"And then I didn't have it two years ago.","start":2356.7751,"end":2358.855,"sentiment":"neutral","sentiment_score":-0.06578209830654992},{"text":"So what have I got to lose?","start":2358.855,"end":2361.5151,"sentiment":"neutral","sentiment_score":-0.16200266778469086}],"sentiment":"neutral","sentiment_score":-0.03835533701238178,"channel":1,"num_words":21,"start":2354.46,"end":2361.5151},{"sentences":[{"text":"Yep.","start":2362.1,"end":2362.34,"sentiment":"neutral","sentiment_score":0.02913690358400345},{"text":"Yep.","start":2362.34,"end":2362.725,"sentiment":"neutral","sentiment_score":0.09598803520202635},{"text":"Absolutely.","start":2362.965,"end":2363.465,"sentiment":"neutral","sentiment_score":0.20172585546970367},{"text":"To do it that way, we would have to separate it into two two separate accounts.","start":2363.925,"end":2367.445,"sentiment":"neutral","sentiment_score":0.06209337478503585},{"text":"They wouldn't be able to structure in one account that 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you to allow for changes in market conditions and investment pricing.","start":2370.405,"end":2387.88,"sentiment":"neutral","sentiment_score":0.001621580682694912},{"text":"The way you're sort of talking about doing that would be great, but we would need to have it separated significantly because one would be taking on a lot more risk than the other, and that could change your overarching risk profile because you're sort of saying one be really aggressive, the other one be quite safe and lower risk and more defensive of 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all in or pull back or give half, keep half.","start":2495.3252,"end":2499.665,"sentiment":"neutral","sentiment_score":0.1768008673732931},{"text":"Like,","start":2499.965,"end":2500.465,"sentiment":"neutral","sentiment_score":0.1581542044878006}],"sentiment":"neutral","sentiment_score":0.17524697879950205,"channel":1,"num_words":12,"start":2495.3252,"end":2500.465},{"sentences":[{"text":"Yes.","start":2500.395,"end":2500.895,"sentiment":"positive","sentiment_score":0.3336288332939148}],"sentiment":"positive","sentiment_score":0.3336288332939148,"channel":0,"num_words":1,"start":2500.395,"end":2500.895},{"sentences":[{"text":"they're, like, the three options I 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the","start":2521.495,"end":2522.295,"sentiment":"neutral","sentiment_score":0.2130565196275711}],"sentiment":"neutral","sentiment_score":0.2130565196275711,"channel":1,"num_words":3,"start":2521.495,"end":2522.295},{"sentences":[{"text":"Yep.","start":2522.25,"end":2522.745,"sentiment":"neutral","sentiment_score":0.19460485875606537}],"sentiment":"neutral","sentiment_score":0.19460485875606537,"channel":0,"num_words":1,"start":2522.25,"end":2522.745},{"sentences":[{"text":"rest to see what we can gain?","start":2522.295,"end":2524.295,"sentiment":"neutral","sentiment_score":0.2276922187634877},{"text":"And then, hypothetically, let's say that Race and I had enough super growth combined","start":2524.295,"end":2532.635,"sentiment":"neutral","sentiment_score":0.1290942547576768}],"sentiment":"neutral","sentiment_score":0.16196024275961377,"channel":1,"num_words":21,"start":2522.295,"end":2532.635},{"sentences":[{"text":"Mhmm.","start":2532.745,"end":2533.245,"sentiment":"neutral","sentiment_score":0.12902408838272095}],"sentiment":"neutral","sentiment_score":0.12902408838272095,"channel":0,"num_words":1,"start":2532.745,"end":2533.245},{"sentences":[{"text":"that we could potentially pull some out and put it on a property and then offer that out by we keep some in super, keep investing in another things, and then we have a property that we have extra cash that we put into that kind of situation.","start":2532.775,"end":2552.335,"sentiment":"neutral","sentiment_score":0.18702310121928653},{"text":"I don't know if that's even a possibility, but, yeah, 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even something you can do down the line, but, like, I don't even even know if you're eligible money out of super to do that kind of thing.","start":2558.095,"end":2565.91,"sentiment":"neutral","sentiment_score":-0.12386424190575077},{"text":"But, yeah, that's where my mind goes.","start":2565.91,"end":2568.5498,"sentiment":"neutral","sentiment_score":0.10408862307667732},{"text":"It's like, can you","start":2568.5498,"end":2569.67,"sentiment":"neutral","sentiment_score":0.07078429404646158}],"sentiment":"neutral","sentiment_score":-0.06733414193704015,"channel":1,"num_words":42,"start":2558.095,"end":2569.67},{"sentences":[{"text":"Yeah.","start":2569.35,"end":2569.85,"sentiment":"neutral","sentiment_score":0.1074020266532898}],"sentiment":"neutral","sentiment_score":0.1074020266532898,"channel":0,"num_words":1,"start":2569.35,"end":2569.85},{"sentences":[{"text":"build it up and then invest it in something 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what's called an arm's length transaction.","start":2602.385,"end":2606.405,"sentiment":"neutral","sentiment_score":-0.07959979213774204},{"text":"So the idea of a super fund is that you're building wealth for the member for retirement.","start":2606.5452,"end":2611.7651,"sentiment":"neutral","sentiment_score":0.25208574752597246}],"sentiment":"neutral","sentiment_score":0.005818057029197614,"channel":0,"num_words":48,"start":2597.97,"end":2611.7651},{"sentences":[{"text":"Yep.","start":2611.275,"end":2611.775,"sentiment":"neutral","sentiment_score":0.13980603218078613}],"sentiment":"neutral","sentiment_score":0.13980603218078613,"channel":1,"num_words":1,"start":2611.275,"end":2611.775},{"sentences":[{"text":"Can't sort of buy a property you live in at either the holiday home or rent it out for your own personal gain.","start":2612.34,"end":2617.24,"sentiment":"neutral","sentiment_score":0.06817563185873239},{"text":"It's 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equity you've made there to kind of help you get those tax rewards outside of Super as well.","start":2621.7002,"end":2638.81,"sentiment":"neutral","sentiment_score":0.2261155615410497},{"text":"So there are definitely things that we can do.","start":2638.81,"end":2641.3699,"sentiment":"positive","sentiment_score":0.38341646393140155},{"text":"I'd say we'll","start":2641.3699,"end":2642.01,"sentiment":"positive","sentiment_score":0.42036953568458557}],"sentiment":"neutral","sentiment_score":0.2293786339379929,"channel":0,"num_words":91,"start":2617.86,"end":2642.01},{"sentences":[{"text":"Yep.","start":2641.905,"end":2642.405,"sentiment":"positive","sentiment_score":0.4084513187408447}],"sentiment":"positive","sentiment_score":0.4084513187408447,"channel":1,"num_words":1,"start":2641.905,"end":2642.405},{"sentences":[{"text":"keep it simple for now.","start":2642.01,"end":2643.21,"sentiment":"positive","sentiment_score":0.3842449426651001},{"text":"And then as things build, as things 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Super where it just grows on itself.","start":2707.28,"end":2710.58,"sentiment":"neutral","sentiment_score":0.2771577338377635},{"text":"And then when we need it, we can cash it in.","start":2710.72,"end":2712.9001,"sentiment":"neutral","sentiment_score":0.06471679021011699}],"sentiment":"neutral","sentiment_score":0.17555554340714993,"channel":1,"num_words":23,"start":2707.28,"end":2712.9001},{"sentences":[{"text":"Yep.","start":2713.5798,"end":2714.0598,"sentiment":"neutral","sentiment_score":0.15400052070617676},{"text":"Yeah.","start":2714.0598,"end":2714.46,"sentiment":"neutral","sentiment_score":0.2633187174797058},{"text":"Absolutely.","start":2714.46,"end":2714.96,"sentiment":"positive","sentiment_score":0.4263694286346435},{"text":"No.","start":2715.3398,"end":2715.5,"sentiment":"neutral","sentiment_score":0.3155418634414673},{"text":"That's perfect.","start":2715.5,"end":2716.0598,"sentiment":"positive","sentiment_score":0.5931212902069092}],"sentiment":"positive","sentiment_score":0.3909121851126353,"channel":0,"num_words":6,"start":2713.5798,"end":2716.0598},{"sentences":[{"text":"We can definitely help you in those areas.","start":2716.0598,"end":2717.9,"sentiment":"positive","sentiment_score":0.7583848834037781},{"text":"I'll put that down as some medium term goals there for you as well.","start":2717.9,"end":2720.94,"sentiment":"positive","sentiment_score":0.5489831822259086},{"text":"That's fantastic.","start":2720.94,"end":2721.68,"sentiment":"positive","sentiment_score":0.8375581502914429},{"text":"The other thing I need to touch base on is the insurance side of things.","start":2723.195,"end":2726.155,"sentiment":"neutral","sentiment_score":0.10713484808802605},{"text":"So I can see 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you?","start":2739.74,"end":2741.98,"sentiment":"neutral","sentiment_score":0.04178339196369052},{"text":"Are you wanting to keep insurances?","start":2741.98,"end":2743.4402,"sentiment":"neutral","sentiment_score":-0.005408733307073514}],"sentiment":"neutral","sentiment_score":0.040845557052472774,"channel":0,"num_words":44,"start":2727.275,"end":2743.4402},{"sentences":[{"text":"What are your thoughts around them, and do you understand what they pay out?","start":2743.58,"end":2747.12,"sentiment":"neutral","sentiment_score":-0.044767480343580246}],"sentiment":"neutral","sentiment_score":-0.044767480343580246,"channel":0,"num_words":14,"start":2743.58,"end":2747.12},{"sentences":[{"text":"I have no idea what they pay out.","start":2748.915,"end":2750.355,"sentiment":"neutral","sentiment_score":-0.27390842884778976},{"text":"I do not understand 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a problem.","start":3677.655,"end":3678.215,"sentiment":"positive","sentiment_score":0.339612752199173},{"text":"I promise.","start":3678.215,"end":3678.695,"sentiment":"positive","sentiment_score":0.4892395883798599},{"text":"I love this stuff.","start":3678.695,"end":3679.74,"sentiment":"positive","sentiment_score":0.8323274850845337},{"text":"I'm probably the happiest person who ever talked to about super insurance and estate planning.","start":3679.9,"end":3683.66,"sentiment":"positive","sentiment_score":0.6713960965474447},{"text":"So","start":3683.66,"end":3684.16,"sentiment":"positive","sentiment_score":0.665274977684021}],"sentiment":"positive","sentiment_score":0.6425137519836426,"channel":0,"num_words":25,"start":3677.655,"end":3684.16},{"sentences":[{"text":"I love it.","start":3684.03,"end":3684.93,"sentiment":"positive","sentiment_score":0.849083681901296}],"sentiment":"positive","sentiment_score":0.849083681901296,"channel":1,"num_words":3,"start":3684.03,"end":3684.93},{"sentences":[{"text":"I'll go back I'll go back and do all the research there for you.","start":3684.54,"end":3687.98,"sentiment":"positive","sentiment_score":0.5777417761938912},{"text":"I'll generate a plan.","start":3687.98,"end":3689.28,"sentiment":"positive","sentiment_score":0.43598221987485886},{"text":"What I'll do is once Maddie's done the pre assessment with the with you, I'll get her to book you in for in two weeks time, and we'll have the advice ready to go, and we can go through that together.","start":3689.58,"end":3697.965,"sentiment":"positive","sentiment_score":0.3928358329505455},{"text":"Okay?","start":3698.105,"end":3698.605,"sentiment":"neutral","sentiment_score":0.3001514673233032}],"sentiment":"positive","sentiment_score":0.43731223940849306,"channel":0,"num_words":60,"start":3684.54,"end":3698.605},{"sentences":[{"text":"Sounds great.","start":3698.505,"end":3699.36,"sentiment":"positive","sentiment_score":0.7808670997619629},{"text":"Thank you so much for your","start":3699.52,"end":3700.32,"sentiment":"positive","sentiment_score":0.8219020664691925}],"sentiment":"positive","sentiment_score":0.8116433247923851,"channel":1,"num_words":8,"start":3698.505,"end":3700.32},{"sentences":[{"text":"Beautiful.","start":3700.2651,"end":3700.7651,"sentiment":"positive","sentiment_score":0.7407341003417969}],"sentiment":"positive","sentiment_score":0.7407341003417969,"channel":0,"num_words":1,"start":3700.2651,"end":3700.7651},{"sentences":[{"text":"time, Dana.","start":3700.32,"end":3701.06,"sentiment":"positive","sentiment_score":0.6260822713375092}],"sentiment":"positive","sentiment_score":0.6260822713375092,"channel":1,"num_words":2,"start":3700.32,"end":3701.06},{"sentences":[{"text":"My pleasure.","start":3701.625,"end":3702.2651,"sentiment":"positive","sentiment_score":0.7410582304000854},{"text":"Thank you for your time, Elise.","start":3702.2651,"end":3703.385,"sentiment":"positive","sentiment_score":0.7190073430538177},{"text":"I'll send it through to Maddie, and I'll get stuck I'll get stuck into the research for you.","start":3703.385,"end":3707.405,"sentiment":"positive","sentiment_score":0.44070818689134383}],"sentiment":"positive","sentiment_score":0.5280349185833564,"channel":0,"num_words":26,"start":3701.625,"end":3707.405},{"sentences":[{"text":"No worries.","start":3707.4402,"end":3708.0,"sentiment":"neutral","sentiment_score":0.2459084689617157},{"text":"Thanks, mate.","start":3708.0,"end":3708.9001,"sentiment":"positive","sentiment_score":0.5653698146343231}],"sentiment":"positive","sentiment_score":0.4056391417980194,"channel":1,"num_words":4,"start":3707.4402,"end":3708.9001},{"sentences":[{"text":"Thanks.","start":3709.01,"end":3709.33,"sentiment":"positive","sentiment_score":0.5739846229553223},{"text":"No worries.","start":3709.33,"end":3709.81,"sentiment":"neutral","sentiment_score":0.16051744669675827},{"text":"Won't be a moment.","start":3709.81,"end":3710.8699,"sentiment":"neutral","sentiment_score":0.04774760827422142}],"sentiment":"neutral","sentiment_score":0.15514427849224635,"channel":0,"num_words":7,"start":3709.01,"end":3710.8699}]},"summary":{"result":"success","short":"Oeu Financial emphasizes the importance of regular contributions and risk management for retirement savings, while also recommending growth or high growth environments for a risk-free period. The importance of investing in gold and silver is emphasized, and the benefits of managing risk profiles and estate planning are emphasized. The agent will need to prepare a will and power of attorney for the customer's children, and will refer the customer to a mortgage broker for further follow-up."},"intents":{"segments":[{"text":"I had you booked in today just to have a bit more of an in-depth conversation around looking at for getting some financial advice and how we can help with your goals. Is now still a good Yes.","start_word":54,"end_word":91,"intents":[{"intent":"Schedule conversation","confidence_score":0.01935136}]},{"text":"And have you ever thought of no. Not everyone has, but have you ever sort of thought of what kind of income you might be looking to draw down or live off in those retirement years?","start_word":368,"end_word":403,"intents":[{"intent":"Inquire about retirement benefits","confidence_score":0.00005677261}]},{"text":"We can certainly help you to change the name on your super fund as part of the implementation process if you take on the advice, so it's not an issue in any way, shape, or form. Okay? Yep.","start_word":718,"end_word":755,"intents":[{"intent":"Change job name","confidence_score":0.11179657}]},{"text":"Now I can see here that you're working around about eighteen hours per week at the moment. Is that likely to change in the future, or is that fairly stock standard for what you work?","start_word":758,"end_word":792,"intents":[{"intent":"Determine work schedule","confidence_score":0.07825409}]},{"text":"I've got down here that you're averaging on a yearly basis around about 50 to 60,000. Does that sound about right?","start_word":910,"end_word":930,"intents":[{"intent":"Determine yearly earnings","confidence_score":0.0019537508}]},{"text":"So I'm just having a quick look. It's very you know, what's really difficult is I don't know if you have kids with childcare subsidies. Yes. Yes.","start_word":1065,"end_word":1091,"intents":[{"intent":"Ask about childcare subsidies","confidence_score":0.014610383}]},{"text":"And and it's very interesting because you're like, well, I don't know how much am I gonna be working. So how do I actually fill that out? Absolutely.","start_word":1133,"end_word":1160,"intents":[{"intent":"Determine work percentage","confidence_score":0.00008917773}]},{"text":"So how do I actually fill that out? Absolutely.","start_word":1152,"end_word":1160,"intents":[{"intent":"Work out budget","confidence_score":0.00018623722}]},{"text":"So last financial year, I earned $49.03 $8.4.12 in total, I think. Okay.","start_word":1279,"end_word":1291,"intents":[{"intent":"Calculate average earnings","confidence_score":0.006439648}]},{"text":"see here Maddie's left a note that your employer hasn't been paying your contributions as of yet, but they are due to start. Is that right? Yes.","start_word":1343,"end_word":1369,"intents":[{"intent":"Provide details on contributions","confidence_score":0.00018677097}]},{"text":"not I said to Maddie, I'm not stressed about it because there is a super guarantee. Like, it's the law that it has to be Yes. paid.","start_word":1434,"end_word":1460,"intents":[{"intent":"Suggest amendments to super guarantee","confidence_score":0.000016652335}]},{"text":"The main source of the reasons that are going into that is with the with the advice we do provide, we are sort of looking to make sure the contributions do go in from your employer because that kinda helps to factor into growth and making your super work a bit harder. Yep.","start_word":1534,"end_word":1586,"intents":[{"intent":"Explain reasons for super guarantee","confidence_score":0.025209203},{"intent":"Explain benefits of contributions","confidence_score":0.030323539}]},{"text":"I'm I'm happy for Yep. you to do that. And Beautiful.","start_word":1657,"end_word":1667,"intents":[{"intent":"Express satisfaction with assistance with super guarantee","confidence_score":0.00013033378}]},{"text":"I am going to send. I'm just writing a note. I'm gonna send you that to your contributions. Yeah.","start_word":1668,"end_word":1686,"intents":[{"intent":"Share decision to write a note","confidence_score":1.1773018e-9}]},{"text":"I'm just writing a note. I'm gonna send you that to your contributions.","start_word":1673,"end_word":1685,"intents":[{"intent":"Request note on contributions","confidence_score":0.0010065848}]},{"text":"Because, I mean, you're the one that's getting disadvantaged by them not doing that because that money going in on a regular basis, it helps yourself if they kinda hold off into that as a lump sum later down the track. It only really disadvantages you, unfortunately. So, yeah, Yeah.","start_word":1687,"end_word":1736,"intents":[{"intent":"Explain benefits of regular contributions","confidence_score":0.01541833}]},{"text":"they should I have think to be the putting law's those in changing on a regular around that, basis. isn't it?","start_word":1737,"end_word":1757,"intents":[{"intent":"Confirm understanding of impact of changes on super fund","confidence_score":0.000004924897}]},{"text":"It's gonna be Yeah. payday.","start_word":1761,"end_word":1765,"intents":[{"intent":"Conclude conversation","confidence_score":0.004285382}]},{"text":"And that will be lower as well, isn't it?","start_word":1810,"end_word":1818,"intents":[{"intent":"Increase benefits and benefits","confidence_score":0.0000044503904}]},{"text":"Well, I'll factor that into the advice, and, hopefully, he does start paying those very soon. And, Yep. Midlief, you decide to take on the advice and move forward to implement it, we'll be making sure that those do come in, and we can do what we can to help you.","start_word":2052,"end_word":2102,"intents":[{"intent":"Implement recommendations and aid","confidence_score":0.00024737258}]},{"text":"But the other thing is with having young kids as well, it does mean your take home pay is gonna reduce. So if you're not comfortable doing that right now, we can always hold that off and make it something we reassess in the medium term as, you know, as your life changes.","start_word":2369,"end_word":2421,"intents":[{"intent":"Predict income reduction","confidence_score":0.000036498666}]},{"text":"I think I think medium term goal for that because, yeah, we've got I'm just literally looking at finances right now. Yep.","start_word":2444,"end_word":2465,"intents":[{"intent":"Analyze finances","confidence_score":0.03400819}]},{"text":"That's okay. That's not a problem at all. We'll make that a medium term goal. We can always reassess that in the future, and for now, we'll just focus on that 12% for your employer contributions. Easy Yep.","start_word":2564,"end_word":2601,"intents":[{"intent":"Focus on debts","confidence_score":0.004737351}]},{"text":"When we are looking at your sleep, we also wanna look at how to invest money.","start_word":2603,"end_word":2618,"intents":[{"intent":"Explore investment options","confidence_score":0.00043680807}]},{"text":"But they help us to determine where you fit within that risk profile, what level of risk you should be taking to help you achieve your goals, but also what level of risk you're comfortable taking.","start_word":2834,"end_word":2869,"intents":[{"intent":"Evaluate risk profile's impact on risk takers","confidence_score":4.7248957e-7}]},{"text":"So we choose investments that have had a strong track record that have been through the ups and downs the market's created over the last ten to twenty years to make sure that you're in investments that can withstand volatility that come out, recover, and provide long term growth and structure for you.","start_word":3655,"end_word":3707,"intents":[{"intent":"Describe investments","confidence_score":0.010970399},{"intent":"Discuss investment portfolio","confidence_score":0.025102483},{"intent":"Provide guidance on investment options","confidence_score":0.000049869068},{"intent":"Confirm investment portfolio","confidence_score":0.0011459686},{"intent":"Describe investment portfolio","confidence_score":0.004302284}]},{"text":"We all love it, but it is important when you consider the the asset of risk. And when, you know, you are investing when I invest personally, I do think about the ultimate risk level is if I invest this money, what's the ultimate thing that could happen? I could lose it all is the big biggest risk. So Yes.","start_word":3757,"end_word":3816,"intents":[{"intent":"Advise on investing strategy","confidence_score":0.0020735478},{"intent":"Discuss risk level","confidence_score":0.010179935}]},{"text":"when you're starting off, never investing anything more than you're comfortable losing in the event that that was to happen is definitely the best way to start that sort of thing off. So you're you're looking at it the right way for sure. Yeah.","start_word":3817,"end_word":3860,"intents":[{"intent":"Recommend investment plan","confidence_score":0.000008339789},{"intent":"State investing intentions","confidence_score":3.8506923e-7}]},{"text":"if it's an account that you take money, like, so you can set up sub accounts for your savers.","start_word":3930,"end_word":3948,"intents":[{"intent":"Set up sub accounts","confidence_score":0.87295824}]},{"text":"I've got a sub account for school fees. So I take money out of that every month, but I transfer into it every week.","start_word":3951,"end_word":3974,"intents":[{"intent":"Transfer money to accounts","confidence_score":0.054725513}]},{"text":"so that if I do take a holiday, I'm not without pay. Does that make sense? Yeah.","start_word":4180,"end_word":4196,"intents":[{"intent":"Plan vacation travel","confidence_score":0.0018637757}]},{"text":"for what I need for annual leave. Yep. Yep.","start_word":4276,"end_word":4284,"intents":[{"intent":"Provide information","confidence_score":0.010569792}]},{"text":"I love that. Yeah.","start_word":4353,"end_word":4356,"intents":[{"intent":"Express appreciation","confidence_score":0.14819932}]},{"text":"And then through no other choice but what the job was that I was offered, I had to go casual. And Yep.","start_word":4415,"end_word":4436,"intents":[{"intent":"Discuss job choice","confidence_score":0.00081867434}]},{"text":"And the bonus on that is I'm earning interest on it because I'm not touching it either Yeah.","start_word":4507,"end_word":4524,"intents":[{"intent":"Express interest","confidence_score":0.00096898223}]},{"text":"But every, you know, couple of years within a ten year time horizon, we do generally see a large market up and down where the market can drop anywhere from, say, 10 to 20 to 30% depending on what the market goes through. It's about making sure that you're invested through those times, and you can stay invested, not cementing or taking any of the money out when you go to those down times there.","start_word":4782,"end_word":4856,"intents":[{"intent":"Evaluate market dynamics","confidence_score":0.1035699}]},{"text":"Do you think you might wanna put some more money into it, see it as a buying opportunity? Are you more likely to hold and wait, maybe call us and have us talk you through it, or are you more likely to cement the loss, sell the investment, and move your funds to something a bit more secure? How do you think you might react?","start_word":5060,"end_word":5124,"intents":[{"intent":"Evaluate investment strategy","confidence_score":0.019793132}]},{"text":"So we invest in managed funds and ETFs that provide dividends on a regular basis. Those dividends are income, and they get paid into your cash account in your super and reinvested back into the investments for compounding effect.","start_word":5383,"end_word":5421,"intents":[{"intent":"Discuss investing options","confidence_score":0.016100245}]},{"text":"Is property one of those things that you guys might wanna invest in down the track? Or Yeah.","start_word":5773,"end_word":5790,"intents":[{"intent":"Identify investment types","confidence_score":0.0053937626}]},{"text":"So make sure you understand the risks. Yeah. Yep.","start_word":5865,"end_word":5873,"intents":[{"intent":"Understand risks and objectives","confidence_score":0.001558695}]},{"text":"you would normally see when you think about your super is you would see 80% of your super invest in growth assets. So things like Australian shares, international shares, listed property, and also commodities, so gold and silver there as well.","start_word":5981,"end_word":6021,"intents":[{"intent":"Analyze asset portfolios","confidence_score":0.00056950585}]},{"text":"With the growth portfolio, we're sort of chasing an average return of around seven to 9% on a yearly basis. That's compounding forward. Anything over that 9% is your portfolio has over performed and done exceptionally well. Anything under that 7% and your your portfolio's underperformed through the year there.","start_word":6113,"end_word":6162,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.13072678}]},{"text":"What would you like me to look at for you? I think to start with, I would probably go for the more aggressive option there for the next two to three years, Yep. and then reassess after that to see if we go passive or stay aggressive. Yes. Perfect.","start_word":6644,"end_word":6692,"intents":[{"intent":"Assess portfolio goals","confidence_score":0.00030335473}]},{"text":"So we would need to sort of split your portfolio up a little bit differently to go the aggressive because aggressive a 100% growth investments.","start_word":6871,"end_word":6895,"intents":[{"intent":"Split portfolio","confidence_score":0.6455292},{"intent":"Compare portfolios","confidence_score":0.0023717869}]},{"text":"So we would need to sort of split your portfolio up a little bit differently to go the aggressive because aggressive a 100% growth investments. There's no defensive investments in there at all. What I would probably look at doing is maybe just adding some active investment in there for you. This is thinking about the different ways we could probably do that.","start_word":6871,"end_word":6933,"intents":[{"intent":"Discuss options","confidence_score":0.19735925}]},{"text":"What I would probably look at doing is maybe just adding some active investment in there for you.","start_word":6903,"end_word":6920,"intents":[{"intent":"Add active investment","confidence_score":0.5175516}]},{"text":"What I would probably look at doing is maybe just adding some active investment in there for you. This is thinking about the different ways we could probably do that. I can have a look at how we could maybe look at doing that for you and I mean, see that's if way it's possible down the line. within the different yeah.","start_word":6903,"end_word":6964,"intents":[{"intent":"Consider options","confidence_score":0.011440836}]},{"text":"Let's try to make Yep. it Yep. to 200. And then from the 200, I'd be like, okay. Well, of that 200, I'd really wanna set the original 70 back into the safe Mhmm. and Yep. then put the rest of it in the aggressive, if that makes sense. Yeah.","start_word":7053,"end_word":7102,"intents":[{"intent":"Set initial deposit","confidence_score":0.022481274}]},{"text":"And then from the 200, I'd be like, okay. Well, of that 200, I'd really wanna set the original 70 back into the safe Mhmm. and Yep. then put the rest of it in the aggressive, if that makes sense. Yeah.","start_word":7062,"end_word":7102,"intents":[{"intent":"Play safe to 200","confidence_score":0.00025392917}]},{"text":"you've got that bonus money. And then I didn't have it two years ago.","start_word":7194,"end_word":7207,"intents":[{"intent":"Remove bonus money","confidence_score":0.00028485854}]},{"text":"They wouldn't be able to structure in one account that way.","start_word":7235,"end_word":7245,"intents":[{"intent":"Structure portfolios and adjust risk profile","confidence_score":0.00017649791}]},{"text":"Down the track, we could definitely look at maybe doing it that way for you, but the way we would have to split that would make it a lot more expensive as well because you'd have to split it. You have two lots of administration fees and things like that. So down the track, we could maybe look at splitting and doing it that way for you. Yep.","start_word":7372,"end_word":7439,"intents":[{"intent":"Split portfolios","confidence_score":0.6032618}]},{"text":"For now, I'd probably just, with the balance you have, stick with the growth portfolio, look at the make sure the overarching is within that range and sort of see how we go to start with.","start_word":7440,"end_word":7475,"intents":[{"intent":"Optimize growth","confidence_score":0.0006170924}]},{"text":"It's not not completely undoable. It can be done. It's just Yep. about making sure it's gonna fit with your goals and understand where we're comfortable taking that extra risk and where we're not comfortable doing that, if that makes sense. Yeah.","start_word":7553,"end_word":7594,"intents":[{"intent":"Create portfolio effect","confidence_score":0.0013711278}]},{"text":"about making sure it's gonna fit with your goals and understand where we're comfortable taking that extra risk and where we're not comfortable doing that, if that makes sense. Yeah.","start_word":7565,"end_word":7594,"intents":[{"intent":"Set goals and understand risk balancing","confidence_score":0.000011729188}]},{"text":"they're, like, the three options I see. And Yes.","start_word":7684,"end_word":7692,"intents":[{"intent":"Evaluate investment options","confidence_score":0.032004442}]},{"text":"Alternatively, we can also look at, you know, what you have in your own name as the kids get a bit older and look at investing outside of Super in different areas and looking at how we maybe leverage your current property and the equity you've made there to kind of help you get those tax rewards outside of Super as well.","start_word":8069,"end_word":8130,"intents":[{"intent":"Discuss investing strategies","confidence_score":0.009058934}]},{"text":"However, most people that do make a claim, you know, have had either not enough insurances, haven't really thought anything about it, or don't have any at all. It can make life very, very difficult for them. Yep.","start_word":8719,"end_word":8756,"intents":[{"intent":"Address insurance claims","confidence_score":0.0017392593}]},{"text":"So we obviously don't want you to have to pay a huge amount in tax, and we'll do everything we can to advise the right way to limit that for you.","start_word":9384,"end_word":9414,"intents":[{"intent":"Limit tax consequences","confidence_score":0.18313873}]},{"text":"But do you think you would be comfortable with just that the same amount as life, or do you think you might wanna gross that up to take into effect the possible tax consequences to give you a higher benefit. What do you think you might wanna be covered for, TBD wise?","start_word":9416,"end_word":9467,"intents":[{"intent":"Discuss tax options and recommend growth options","confidence_score":0.000012662008}]},{"text":"the most the most effective way making sure that your soup is gonna provide growth for you? Yeah?","start_word":9509,"end_word":9526,"intents":[{"intent":"Agree with growth options","confidence_score":0.000999083}]},{"text":"So if I recommend that we, you know, cover the tax for the TPD and grow it up, I'll also gross up the life benefit to match it so that we're trying to limit the amount of premiums you have to pay.","start_word":9672,"end_word":9713,"intents":[{"intent":"Limit premiums","confidence_score":0.00050915254}]},{"text":"Now the other thing I can see here is with income protection. You don't have any income protection at the moment. It looks like you may have had some in the past that's kind of because no contributions are sort of gone in for a while, it looks like that's probably dissipated. I Yeah.","start_word":9753,"end_word":9806,"intents":[{"intent":"Discuss income protection and resales","confidence_score":0.03072969},{"intent":"Clarify savings on income","confidence_score":0.00010780366}]},{"text":"And there Like, are it other only types it of only insurance. covers me for You're right.","start_word":9890,"end_word":9906,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.28139147}]},{"text":"I can't see a note on here about any beneficiaries there, but most of the time when it comes to our life and our super, if we were to pass away, you want everything to go to race so he can continue paying the bills, pay the mortgage, look after your family. Is that right? Correct.","start_word":10174,"end_word":10229,"intents":[{"intent":"Plan for future expenses","confidence_score":0.0000043416817}]},{"text":"And have you guys spoken about drawing up a will power of attorney?","start_word":10232,"end_word":10244,"intents":[{"intent":"Discuss will power of attorney","confidence_score":0.082345}]},{"text":"Not a problem at all. We'll factor the estate planning size in there for you, and I'll recommend that the licensee the so the life policy and your super that they'll be sort of paid to raise in the event of that, you know, the the event of you passing away prematurely. Yep.","start_word":10444,"end_word":10496,"intents":[{"intent":"Recommend life insurance","confidence_score":0.070853345},{"intent":"Recommend life policy","confidence_score":0.29563826}]},{"text":"But, yeah, now we're, like, right. We've we haven't checked on it in a few years. It's time to just do a bit of a pulse check on it and Yep. see what we can achieve. Yeah.","start_word":10897,"end_word":10933,"intents":[{"intent":"Check","confidence_score":0.012633681}]},{"text":"If we need to swap banks again, I don't know. But Yeah.","start_word":10934,"end_word":10945,"intents":[{"intent":"Swap banks","confidence_score":0.22533108}]},{"text":"If we need to swap banks again, I don't know. But Yeah. I'll have Perfect. a look at it. Well, when when you are ready, feel free to let us know because we do have mortgage brokers we can refer you through to. It's all free of charge to yourself, and they can always talk to you about what your mortgage looks like, what's the borrowing capacity, and see what they can certainly do to help.","start_word":10934,"end_word":11009,"intents":[{"intent":"Refer to lenders","confidence_score":0.00026362838},{"intent":"Discuss mortgages","confidence_score":0.027637592}]},{"text":"but also the property value has massively gone up. So that's Yeah.","start_word":11103,"end_word":11114,"intents":[{"intent":"Discuss property value","confidence_score":0.00070298964}]},{"text":"The only other thing I need to sort of look at for you is just doing a bit of a pre assessment. So because we are looking at insurances, I'm just looking at life and TB, not looking at anything that's gonna be paid out of super just because your expenditure is a little bit tight at the moment, but we can always review other insurances down the track for you.","start_word":11170,"end_word":11240,"intents":[{"intent":"Review insurances","confidence_score":0.02324682}]},{"text":"We just need to do a little bit of a health questionnaire with you.","start_word":11241,"end_word":11254,"intents":[{"intent":"Review health questionnaire","confidence_score":0.68797445}]}]},"sentiments":{"segments":[{"text":"If Three. you record your name and reason for calling, I'll see if this person is available. Dana Oakley Financial.","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.018689922988414764},{"text":"Thanks.","start_word":20,"end_word":20,"sentiment":"positive","sentiment_score":0.337909072637558},{"text":"Dana Oke. Please stay on the line. Hello. Elise speaking. Hi, Elise. It's Dana from OKIE Financial. How are you this morning?","start_word":21,"end_word":42,"sentiment":"neutral","sentiment_score":0.13915905356407166},{"text":"Good. Thanks, Dana.","start_word":43,"end_word":45,"sentiment":"positive","sentiment_score":0.47382810711860657},{"text":"How are you?","start_word":46,"end_word":48,"sentiment":"neutral","sentiment_score":0.3234465718269348},{"text":"I'm very well. Thank you.","start_word":49,"end_word":53,"sentiment":"positive","sentiment_score":0.5897461175918579},{"text":"I had you booked in today just to have a bit more of an in-depth conversation around looking at for getting some financial advice and how we can help with your goals. Is now still a good Yes. time there for Absolutely. you?","start_word":54,"end_word":96,"sentiment":"neutral","sentiment_score":0.26929888129234314},{"text":"Oh, fantastic.","start_word":97,"end_word":98,"sentiment":"positive","sentiment_score":0.4037916362285614},{"text":"How's your morning been so far? Yeah. Not too bad. Yeah.","start_word":99,"end_word":109,"sentiment":"neutral","sentiment_score":0.2448849081993103},{"text":"Fantastic.","start_word":110,"end_word":110,"sentiment":"positive","sentiment_score":0.5079074501991272},{"text":"Well, I'll try not to take up too much of your time. Before we jump into the call, just to let you know, we do record our calls for quality and training purpose. Is he happy to submit a proceed with that? Yep. Go ahead.","start_word":111,"end_word":155,"sentiment":"neutral","sentiment_score":0.1287868469953537},{"text":"Fantastic. So, Ali, thank you so much for your time.","start_word":156,"end_word":165,"sentiment":"positive","sentiment_score":0.5238333940505981},{"text":"Just to sort of run through, I know you've done quite a bit of the research there with Madison. I'll just go through and update anything that I might be missing here, and we'll have a bit more of a conversation on what your goals are, what you're looking for in the way of financial advice, and anything I'd just might need to be able to put that together for you. Okay? Yep. Fantastic. The first thing that seems that I'm missing here is your date of birth. Can I grab that off you? Yep. 06/20/1989. 06/25/1989.","start_word":166,"end_word":262,"sentiment":"neutral","sentiment_score":0.18011637032032013},{"text":"Beautiful. Thank you so much for that.","start_word":263,"end_word":269,"sentiment":"positive","sentiment_score":0.4490927755832672},{"text":"And when you look forward I know you've got a lot of time ahead of you. You're still very young. But when you look forward towards your retirement goals, do you know what kind of age you're hoping to maybe stop work and the other access you're super in the future? I mean, ideally, by mid sixties, you'd wanna be part time at most. Yeah. And then by the end of, like, going into your seventies, if if still wanting to work, can but don't have to. Yeah. Absolutely.","start_word":270,"end_word":358,"sentiment":"neutral","sentiment_score":0.08909039199352264},{"text":"Perfect. I'll pop that in here for you. Fantastic.","start_word":359,"end_word":367,"sentiment":"positive","sentiment_score":0.5392370223999023},{"text":"And have you ever thought of no. Not everyone has, but have you ever sort of thought of what kind of income you might be looking to draw down or live off in those retirement years? If you haven't, that's honestly okay. I actually haven't because Yeah. who can predict what it's gonna cost to actually live in the next five years alone? I know. Like, how many wars can we have that will just drive up the cost of absolutely everything? I mean, I Absolutely. honestly I honestly couldn't have predicted that life was gonna get more expensive this year Yeah. by the rate that it has. And I do wonder Yeah. how much longer it's gonna get really sky high for. Like, are we looking at another two to three years of it just growing and then it might level out for a little bit? Who knows? Yeah. No. Absolutely. We'll just wait and see what comes from that. Absolutely. All good. And I can see here now double checking your your surname. Is that still Farro the same as Reza's? Yep. Correct. Okay. Perfect. And I've got your Superfund here under your previous your maiden name. It's under Bulger. Is that right? Yeah. I have no idea why it is under that, but yes. Yes. It is. That's absolutely okay. I think That's it's not something a problem. to do with the ATO. Yep. For some bizarre reason at the ATO, even though I've legally changed my name and I'm fairly sure I've put it in with them, I'm still down as a Bulger. Okay. No. That's alright. We can honestly, as part of the advice, we can help you to to change that name. It's not a problem at all. Is Farah on your driver's license or your ID? Yes. On my Yep. driver's license, all my bank cards, my Yep. Medicare. It's not on my passport Everything. because I haven't renewed my passport, but I will be Yep. doing that at, hopefully, some stage this year. Yep. Fantastic. No. Not a problem at all.","start_word":368,"end_word":716,"sentiment":"neutral","sentiment_score":-0.009809918957829136},{"text":"Excellent. We can certainly help you to change the name on your super fund as part of the implementation process if you take on the advice, so it's not an issue in any way, shape, or form.","start_word":717,"end_word":753,"sentiment":"positive","sentiment_score":0.4308577179908752},{"text":"Okay? Yep.","start_word":754,"end_word":755,"sentiment":"neutral","sentiment_score":0.197433739900589},{"text":"Beautiful. Beautiful.","start_word":756,"end_word":757,"sentiment":"positive","sentiment_score":0.5331073999404907},{"text":"Now I can see here that you're working around about eighteen hours per week at the moment. Is that likely to change in the future, or is that fairly stock standard for what you work? I'm hoping to average out at eighteen. Yep. As I said to Maddie last week, I am a casual, so Yeah. it can be dependent on the work that's coming in and and also my availability. So, obviously, over school Yep. holidays, I took a step back a little bit from work to look after the kids, Yep. but I'm hopeful to steady at 18. Some some weeks, I get way more. Some weeks, I get Yeah. way less. So Yep. I think on average, if we go of an average of 18, I think we're looking pretty healthy.","start_word":758,"end_word":891,"sentiment":"neutral","sentiment_score":0.053805526345968246},{"text":"Beautiful. Excellent.","start_word":892,"end_word":893,"sentiment":"positive","sentiment_score":0.49752306938171387},{"text":"And you're on you're, sorry, under that $45 per hour. Is that right? Correct. Yeah. Beautiful. I've got down here that you're averaging on a yearly basis around about 50 to 60,000. Does that sound about right? I believe you. I actually Yeah. haven't I could have a look. Hold on. I could have a Yeah. I You're right. I can have a look at last year's payslips. Hold on one second. I'll Not have a a look worry. at all final payslip for last year. What do we got here? Okay. So alright. It keeps scrolling back. I get paid weekly, so there's a lot of payslips to filter through here. Okay. So from the wellness studio in total last year, I was paid just a little bit over 13 k, so $13.00 $7.02. And I did have a job at I had another job. He hasn't paid my super either. The last week of the I finished up in, like, February, I reckon, at that job last year. So I'm just having a quick look. It's very you know, what's really difficult is I don't know if you have kids with childcare subsidies. Yes. Yes. It's hard. They literally so they'll come out, I think it's, like, at the start of I reckon it's around April, May, and Yep. we'll say, oh, this is what we expect you to earn in the next the next year. Yep. And and it's very interesting because you're like, well, I don't know how much am I gonna be working. So how do I actually fill that out? Absolutely. And they index that. They sort of assume you're gonna earn more next year than you did this Correct. year, which is not always the case. Well, like, Reese, basically, you'll see on his, he's basically on the same mobile last six years because he hasn't had a pay rise in six years. Yeah. Yeah. So he, like and I've gotta I've gotta do it for both of us, so it makes it Yep. really difficult. I over inflate by 10 to 20 k each of us Yep. Yep. just because you never actually know what we're gonna work. I Yeah. do get it back, but it it just you take a bite during the year. Okay. Yeah. So last financial year, I earned $49.03 $8.4.12 in total, I think. Okay. And then this Perfect. this year so far, I am sitting at this financial year. I'm up to just shy of 30 two. So I'm at $31.09 $4.09 at current.","start_word":894,"end_word":1321,"sentiment":"neutral","sentiment_score":-0.01639142794377893},{"text":"Beautiful. Not a problem at all. I can sort of work it out and average it for you.","start_word":1322,"end_word":1339,"sentiment":"positive","sentiment_score":0.3967265188694},{"text":"I can Yep. see here Maddie's left a note that your employer hasn't been paying your contributions as of yet, but they are due to start. Is that right? Yes. Yes. Okay. Have they kinda given you any idea as to when those contributions should start going into your super on a regular basis? No. No. That's okay. The but they are like, they are guaranteeing they are gonna start that fairly soon for you. Yeah. I would assume so. I'll I'll send him a I'll flag it again with him, but I'm Yeah. not I said to Maddie, I'm not stressed about it because there is a super guarantee. Like, it's the law that it has to be Yes. paid. Yeah. So Absolutely. that it doesn't stress me out at all because I do know Yes. that it legally has to be paid. Yes. And I have had super guarantees. You'll see on those the paperwork that I sent through to Maddie. I have had the super guarantees previously. So I do know that they they do come through Yep. and Okay. how what they look like on your super fund. Yep.","start_word":1340,"end_word":1532,"sentiment":"neutral","sentiment_score":0.07237985081623255},{"text":"Perfect.","start_word":1533,"end_word":1533,"sentiment":"positive","sentiment_score":0.539271354675293},{"text":"The main source of the reasons that are going into that is with the with the advice we do provide, we are sort of looking to make sure the contributions do go in from your employer because that kinda helps to factor into growth and making your super work a bit harder. Yep. So we do assume contributions going in as part of the advice to sort of show you long term effect and compounding of that with projection tables. Are Yep. you comfortable with me just working out the average and kind of even if it's a lower form of contribution, just adding that in there to sort of show you how that should look with your employer contributions going in. Yeah.","start_word":1534,"end_word":1656,"sentiment":"neutral","sentiment_score":0.0669478178024292},{"text":"I'm I'm happy for Yep. you to do that. And Beautiful. I am going to send.","start_word":1657,"end_word":1672,"sentiment":"positive","sentiment_score":0.5578058362007141},{"text":"I'm just writing a note. I'm gonna send you that to your contributions. Yeah. Because, I mean, you're the one that's getting disadvantaged by them not doing that because that money going in on a regular basis, it helps yourself if they kinda hold off into that as a lump sum later down the track. It only really disadvantages you, unfortunately. So, yeah, Yeah. they should I have think to be the putting law's those in changing on a regular around that, basis. isn't it? It is. Yep. It's gonna be Yeah. payday. So as as per your pay, if you get paid weekly, then your contributions very shortly are gonna have to start going in via pay as well. So you should When does be receiving that come into those effect? every week, that June, July. And that will be lower as well, isn't it? It is yep.","start_word":1673,"end_word":1821,"sentiment":"neutral","sentiment_score":-0.008631791394428918},{"text":"Absolutely.","start_word":1822,"end_word":1822,"sentiment":"positive","sentiment_score":0.4313148856163025},{"text":"So if you get paid weekly, your contributions will have to go in weekly, which will give you full proper dollar cost averaging, which is more of a benefit for yourself because putting money in on a regular basis help with the compounding effect, but we like to look at dollar cost averaging, which is putting regular amounts of money in at smaller intervals. So once a week means you're really taking advantage of the market ups and downs Yep.","start_word":1823,"end_word":1902,"sentiment":"neutral","sentiment_score":0.2504764497280121},{"text":"and putting smaller amounts in on on a more regular basis, which can provide a greater benefit long term for you. So it's not a bad thing at all. It's gonna annoy employers, but it's a really great thing for yourself to have true dollar cost averaging But with your super.","start_word":1903,"end_word":1953,"sentiment":"positive","sentiment_score":0.3676345646381378},{"text":"looking as someone who runs the budget of the household, if Yeah. you break it down into weekly, it's so much more palatable. So Oh, it absolutely. might actually you know, for for him, it might be a a much more palatable thing. Because if you're working Yeah. off eighteen hours a week, it should only be, yeah, $97.20 that he has to pay out weekly.","start_word":1954,"end_word":2019,"sentiment":"neutral","sentiment_score":0.11407160758972168},{"text":"Whereas, you know, current outstanding for this financial year is sitting close to $4, which is not palatable Yeah.","start_word":2020,"end_word":2038,"sentiment":"negative","sentiment_score":-0.45975810289382935},{"text":"if you're Yeah. Yeah. you know what I'm No. saying? Abs absolutely. Absolutely. Well, I'll factor that into the advice, and, hopefully, he does start paying those very soon. And, Yep.","start_word":2039,"end_word":2069,"sentiment":"neutral","sentiment_score":0.12379980832338332},{"text":"Midlief, you decide to take on the advice and move forward to implement it, we'll be making sure that those do come in, and we can do what we can to help you.","start_word":2070,"end_word":2102,"sentiment":"positive","sentiment_score":0.37947535514831543},{"text":"But, yeah, we'll just wanna make sure we see those coming in because it's it's, you know, to your advantage, this is part of your wage, part of your income, so you actually wanna make sure you do receive those funds. Yeah. Yeah.","start_word":2103,"end_word":2145,"sentiment":"neutral","sentiment_score":0.20989282429218292},{"text":"A 100 All percent. good. Agree. All good.","start_word":2146,"end_word":2153,"sentiment":"positive","sentiment_score":0.5727648138999939},{"text":"And they should be paying about 12%. You don't get anything additional over and above that 12%? No. No. I just get No. whatever the stock standard is is Yep. what No worries I at all. receive. You're not salary sacrificing anything additional to Super at the moment? Apparently, no. Like, we're every No. cent here is being absolutely watched at the moment. So no. Yeah. Not not salary sacrificing currently. Yep. That is not not on the agenda at current, but open Nope. to it. Yep. That's If okay. it if it man if, like, it makes sense, yeah, open to it. Yeah. I mean, I don't pay that much tax, to be honest, because, like, what did I pay in tax? On a on an eighteen hour working week, I'm only paying gosh. What am I paying yet? $89 in tax. So Yeah. Yep. yeah. On like, so far, this financial year, I've paid, yeah, 3,600 in tax. Yeah. No. That's okay. That's not a problem at all. I mean, from a tax perspective, there's not really a lot to gain in doing it. It's more just whether you're open to doing so to kinda help with the compounding effect and get you super growing and working harder long term for your retirement. But the other thing is with having young kids as well, it does mean your take home pay is gonna reduce. So if you're not comfortable doing that right now, we can always hold that off and make it something we reassess in the medium term as, you know, as your life changes. Did you want me to push put that Yeah. back a little bit into May maybe a medium term goal? Yep. I think I think medium term goal for that because, yeah, we've got I'm just literally looking at finances right now. Yep. We have approximately based on eighteen hours of work for me, approximately $2,000 of working income coming in, and 1,400 of that is literally just bills Yep. that are going out per week. Yeah. Yeah. So, yeah, that leaves about $600 left over, and that doesn't include any car, groceries, any other discretional spending at all. That's Yep. and no paying down credit card debts on that either. So, yeah, that's not including any gas, water, or electricity either. So, yeah, it's a it's a fair whack of money going straight back out every single week. Yes. Yeah. No. That's okay.","start_word":2154,"end_word":2565,"sentiment":"neutral","sentiment_score":0.010733511922790588},{"text":"That's not a problem at all. We'll make that a medium term goal. We can always reassess that in the future, and for now, we'll just focus on that 12% for your employer contributions. Easy Yep.","start_word":2566,"end_word":2601,"sentiment":"positive","sentiment_score":0.3965305685997009},{"text":"done. When we are looking at your sleep, we also wanna look at how to invest money. So there are different risk profiles through different people and different ages and stages. What we wanna do is we, unlike the industry fund, you probably just been popped into the most, you know, what their average risk profile is and their average investment class, but we have to look at it a bit deeper. So we look at your age and stage, where you are, how long you have until you wanna a super and that's why we look at your goals. We look at your age that you're wanting to hopefully retire and work from now till that age. When Yep. you have a longer time, say, twenty or thirty years, you can take on a bit more risk in the market to try and get greater potential returns knowing that greater risk does save the a larger likelihood of a negative return. So we do see ups and downs in the short term that can make us a bit nervous in the markets. When we're older and closer to retiring, we don't wanna take that kind of risk in the market. So we do what's called a risk profile questionnaire. It's rounded at 14 old questions. I they're all multiple choice, and I go through them as quickly as possible for you. But they help us to determine where you fit within that risk profile, what level of risk you should be taking to help you achieve your goals, but also what level of risk you're comfortable taking. Because even though, you know, you might have two people of the exact same age, they might not be comfortable in the same risk profile taking the same level of risk. One person might be seen as a bit more of a risky client. The other one might be more conservative and wanted to take a less level of risk. So this risk profile helps us to break down how you feel about things, what your circumstances look like, how long you have until you're wanting to access your super, and then we'll kind of talk a bit more about what level that looks like and how you might see those investments. Mhmm. I'll go through these. As I said, they're all multiple choice. I'll go through them one by one. I've answered some of them already with how we've been kinda going. And if you're not sure, just let me know and we can talk through. Okay? Yep. The first one here is how would you like to rate yourself as a risk taker? So if you say thought about risk on a scale of, say, one to five, do you consider yourself to be one, a very high risk taker? You're happy to put it all on black and see what comes out? Would you consider yourself maybe a three in the medium? You wanna take a bit of risk in the market to get good returns, but you're, you know, a bit concerned about the ups and downs in the short term, or are you not a very risk you don't you don't like risk at all and understand returns are gonna be lower because of that? How do you think you might rate yourself? Well, I would say in the middle. Like, I'm I'm Yep. open to taking a little bit of risk. Yep. Definitely wouldn't wanna put it all on black and lose it if it Yep. went poorly, but Yep. can understand that markets ebb and flow and and, Yep. yeah, sometimes you can have wins, sometimes you can have losses as long as you come out mostly Yep. Yep.","start_word":2602,"end_word":3225,"sentiment":"neutral","sentiment_score":-0.0016204620926426009},{"text":"pretty intact, Perfect. I'll Love that.","start_word":3226,"end_word":3231,"sentiment":"positive","sentiment_score":0.6601279377937317},{"text":"The next one here is how familiar are you with investment markets. So have you guys ever owned shares be or stoked. any investments in your own name before? Never. Nope. That's okay.","start_word":3232,"end_word":3264,"sentiment":"neutral","sentiment_score":0.06496097892522812},{"text":"All good.","start_word":3265,"end_word":3266,"sentiment":"positive","sentiment_score":0.3665449321269989},{"text":"We have been looking at I know Reece has been looking at Yep. buying some shares in gold bullion and Yep. silver just as a, like, separate thing with some cash flow that we do have. Yep. Obviously, Reece doesn't really have any idea of what our current standings are financially Yep. because he is not in control of anything financially. Yep. So he he literally wouldn't know what the credit card's at because he can't remember his Internet banking password. So he's literally got no idea what the credit card's at, no idea what money's Yep. in the drain account, no idea what money is owing on the house, Yep. and zero zero idea what our weekly outgoings are and what is in savings. Yep. So Yep. No. he he says to me, he's like, that is you tell me how much you need in the transfer of my wage, and then Yep. from that, I'll leave off whatever's left over for my discretionary spending, and you just take care of the rest because it's too stressful for me, which is Yep. hilarious. So I literally manage all of that. Yep. So he he literally would have no idea how much money we have in savings. And I if I said to him, you've got $5 to go spend on gold, he would do it. Yep. So I I've made him And look in be cautious. I'm like, if you want it if you want it, I'm I'm happy to do it. I'm I'm like, it's $5 that I'm I'm gonna pretend I'll never see again. Yep. So Yeah. for Yeah. me, that's Yeah. how I'm treating it. I'm like, Yeah. what out of our savings can I give you that I don't Yeah. need in the next five to ten years and I'll possibly never see again is how Yeah. I look at it? And that's So a really good way to look at it. Yeah. No. yep. That's a really good way to look at it. I mean, with your super and I'll show you when we did the advice, I'll show you the investments that we tend to look at, and we don't put you in using crazy or speculative like crypto. We have to look after your super.","start_word":3267,"end_word":3649,"sentiment":"neutral","sentiment_score":-0.03216373506087236},{"text":"It is there to grow. So we choose investments that have had a strong track record that have been through the ups and downs the market's created over the last ten to twenty years to make sure that you're in investments that can withstand volatility that come out, recover, and provide long term growth and structure for you.","start_word":3650,"end_word":3707,"sentiment":"positive","sentiment_score":0.36371859908103943},{"text":"And we review those on a regular basis with you as well. But when you are looking at investing in those other areas in your own name, well, gold's a great investment.","start_word":3708,"end_word":3739,"sentiment":"neutral","sentiment_score":0.2598467469215393},{"text":"It has has seen a lot of growth over the last couple of years. It does continue.","start_word":3740,"end_word":3756,"sentiment":"positive","sentiment_score":0.45118847489356995},{"text":"We all love it, but it is important when you consider the the asset of risk. And when, you know, you are investing when I invest personally, I do think about the ultimate risk level is if I invest this money, what's the ultimate thing that could happen?","start_word":3757,"end_word":3804,"sentiment":"neutral","sentiment_score":-0.002040647203102708},{"text":"I could lose it all is the big biggest risk.","start_word":3805,"end_word":3814,"sentiment":"negative","sentiment_score":-0.37420058250427246},{"text":"So Yes. when you're starting off, never investing anything more than you're comfortable losing in the event that that was to happen is definitely the best way to start that sort of thing off. So you're you're looking at it the right way for sure. Yeah. Yeah. So I was like, if there's any money, obviously, I've got I've got Yep. savings that I have sitting there accumulating interest. Yep. So I've got I've got multiple bank accounts. But, for example, where all my savings sits is at Up Bank. I don't know if you've heard of Up. I have yeah. So they have this thing called with their savers grow or flow. So Yep. if it's an account that you take money, like, so you can set up sub accounts for your savers. So Mhmm. I've got a sub account for school fees. So I take money out of that every month, but I transfer into it every week. So Yes. that's a flow account. So the interest rate on that one is 1.75% per month. Yep. But then I've got savings that I don't touch, and we just accumulate it, and I get a 5.1% gross rate on That's a really good interest. Right? Isn't that.","start_word":3815,"end_word":4022,"sentiment":"neutral","sentiment_score":0.07493563576673086},{"text":"It is very good.","start_word":4023,"end_word":4026,"sentiment":"positive","sentiment_score":0.4633901119232178},{"text":"it? And one of the Yeah. savings accounts that I don't touch earns approximately a 100 to a $110 in interest per month. Yeah.","start_word":4027,"end_word":4050,"sentiment":"neutral","sentiment_score":0.054106954485177994},{"text":"Nice. Perfect.","start_word":4051,"end_word":4052,"sentiment":"positive","sentiment_score":0.40723273158073425},{"text":"So, yeah, that one's that one's my beefy, juicy one, Yep. and I transfer into that $20 each week. So Yep. I'm putting in about $80 a month and getting in about a $100 a month on average in interest. Yes. So that's a that's a very healthy one. But yeah. So what I've got here is I've got, like, 14 sub accounts in that up banking that I just have automatic transfers set up to go into each week. Yep. So because I'm a casual. I've got an annual leave sub account Yep. that I transfer into weekly based on however many hours I work. I know the exact amount that I need to transfer based on those hours to Yep. equate equate for leave Yep. so that if I do take a holiday, I'm not without pay. Does that make sense? Yeah. Yes.","start_word":4053,"end_word":4197,"sentiment":"neutral","sentiment_score":0.09895692020654678},{"text":"That's absolutely fantastic. Excellent. Beautiful.","start_word":4198,"end_word":4202,"sentiment":"positive","sentiment_score":0.5624143481254578},{"text":"I would say, like, if you if you are writing financially savvy, not the most financially savvy Yep. by any stretch, but definitely plan around, like, these are my weekly costs, and I Yep. can't afford to go a week without pay. Yep. So how do I make sure that I can take holiday? I figured Yep. out. I don't get What annual you need leave. to live on. What I need Yeah. for what I need for annual leave. Yep. Yep. No.","start_word":4203,"end_word":4285,"sentiment":"neutral","sentiment_score":0.020961884975837296},{"text":"That's perfect. You've done a really great job there. That's excellent.","start_word":4286,"end_word":4296,"sentiment":"positive","sentiment_score":0.7136613130569458},{"text":"I don't know many casual workers that have done that to that extent that you have, and it definitely gives you a bit of cover because you still wanna have holidays and still enjoy your life, but making sure that those regular bills can be covered whilst you're on that time off.","start_word":4297,"end_word":4348,"sentiment":"neutral","sentiment_score":0.33326154947280884},{"text":"So that's really good. I love that. Yeah. It's fantastic.","start_word":4349,"end_word":4358,"sentiment":"positive","sentiment_score":0.6248010993003845},{"text":"I guess it comes from Yep. the fact that I've always been part time or casual since I turned 18. So I've always I've never been a casual and up until last year. Yep. So Yep. I've always been part time or full time, so I was automatically getting that, not even thinking about it. Yeah. And then through no other choice but what the job was that I was offered, I had to go casual. And Yep. for me, I was like, right. How do I make sure I can still have my holidays? So, Yes. yeah, did a bit of googling, figured out the formula, just made a little spreadsheet in Google Sheets and Yes. popping in popping your alleyway to pop in your hours worked and it spits out how much do you need to transfer. So I just do that manually each week.","start_word":4359,"end_word":4505,"sentiment":"neutral","sentiment_score":0.10181111097335815},{"text":"Perfect.","start_word":4506,"end_word":4506,"sentiment":"positive","sentiment_score":0.4086984395980835},{"text":"And the bonus on that is I'm earning interest on it because I'm not touching it either Yeah. Yeah. Yep. because Perfect. I'm still working. Yep. No.","start_word":4507,"end_word":4533,"sentiment":"neutral","sentiment_score":0.15889382362365723},{"text":"That's excellent. That's fantastic. You've done a really great job there. I love that. Thank you.","start_word":4534,"end_word":4549,"sentiment":"positive","sentiment_score":0.5894615650177002},{"text":"I've answered the next two. That's okay. I've answered the next two questions for you. So, realistically, when we're looking at time horizon, because of your age, you still have a lot of time before you're able to access super. So we're looking at a longer time horizon of more than ten years there. Yep. I've also the next couple of questions also kinda go back to that risk versus reward balance. So how much risk do you feel like you're willing to take in the market to try and get the best returns you can? You sorta come across as someone who's quite conservative. I'd say sort of middle of the range there. So you are wanting to take on a bit of risk in the market to get the greater returns, but you don't wanna take on a whole lot of risk. You kind of wanna make sure you have some of those defensive low risk investments and diversify and make sure it's more calculated. Am I on the right track with that? Yep.","start_word":4550,"end_word":4725,"sentiment":"neutral","sentiment_score":0.0851107717026025},{"text":"That sounds bright. Yep. Perfect.","start_word":4726,"end_word":4730,"sentiment":"positive","sentiment_score":0.4926559627056122},{"text":"The next one here is thinking about your current super balance. So if we saw, like, a large market dip, which can and will happen in the future, we've had some ups and downs this year. They've only been very minor in comparison to what we have seen in the past. But every, you know, couple of years within a ten year time horizon, we do generally see a large market up and down where the market can drop anywhere from, say, 10 to 20 to 30% depending on what the market goes through. It's about making sure that you're invested through those times, and you can stay invested, not cementing or taking any of the money out when you go to those down times there. If you thought about your current super balance, which is a bit over 79,000 currently, and you saw that drop up to 50%, more than 50%, or say up to twenty, thirty, or 10%, how much of a drop do you think that Super Balance could withstand before you're starting to feel quite nervous? How far of a drop would you be comfortable taking, do you think? I would say max 30 to 40% drop Okay. considering how Yep. much is in there currently. Yep. I mean, at Yeah. yeah. Some point in recent, I will wanna retire and travel Yep. and also make sure that we can help our kids out. Yes. But, yeah, like, obviously, where that my super is sitting at currently is so low because of not working during maternity leaves and etcetera. Yep. Yeah. So I think Yep. for me, I feel like I need to take a bit of risk to try and grow it. And with risk, there's always that it it could go both ways. Yeah. Absolutely. No.","start_word":4731,"end_word":5032,"sentiment":"neutral","sentiment_score":-0.031193593319579466},{"text":"Perfect. Excellent answer.","start_word":5033,"end_word":5035,"sentiment":"positive","sentiment_score":0.41709715127944946},{"text":"The next one here is about volatility. So, again, if you saw this super drop by 20%, how do you think you might react? Do you think you might wanna put some more money into it, see it as a buying opportunity? Are you more likely to hold and wait, maybe call us and have us talk you through it, or are you more likely to cement the loss, sell the investment, and move your funds to something a bit more secure? How do you think you might react? I'd take your advice. Yep.","start_word":5036,"end_word":5129,"sentiment":"neutral","sentiment_score":-0.09199914336204527},{"text":"Beautiful. Excellent.","start_word":5130,"end_word":5131,"sentiment":"positive","sentiment_score":0.647243857383728},{"text":"The next one here is looking at the kind of rate of return where after long term wise, you're probably looking for the highest return you can probably get out of your super and out of the investments on a yearly basis. Sound about right? Yeah. That that in an ideal world, yeah, that would be that would be right. Yep. No. Perfect. The next one here is, again, looking at have you ever seen your super fall in value? So if you did see a bit of a market drop with the what's happening in the world globally and it dropped a little bit. Do you think you might be feeling optimistic, cautious, concerned, or a bit anxious? How do you think you might feel in that instance? I've never seen it drop, so Yep. I'm gonna have speculate here. And I would be I'd be a little bit nervous, but also, like, I'm I'm not scared by one orange man, Yep. Yep. Yep. No. Perfect. if that makes sense. It does. Absolutely. The next one here is talking about the types of returns that we get. So when we have investments, we like two different types of returns. One of those is capital growth. So say if you had, you know, CVA shares and you bought that at $20 per share, the next day went up to $50 per share. The difference in the share price is a growth. We also look at income producing, which is dividends. So we invest in managed funds and ETFs that provide dividends on a regular basis. Those dividends are income, and they get paid into your cash account in your super and reinvested back into the investments for compounding effect. Generally, when we're younger, we could take a bit more risk to get more in the way of capital growth. When we're older, we like a bit more income producing because it tends to help pay the income in those retirement years. With where you're at at the moment, do you think you'd want more capital growth, more income, or a balance of both? I haven't actually ever thought about it. I Yeah. mean, I kind of think super is like a a bonus thing at the moment. It's Yep. my my view on super is, like, it's a bonus that we can use to retire with, but, hopefully, we can set Yep. ourselves up with other investments that help us to fund retirement. Yep. Does that make sense? Yeah.","start_word":5132,"end_word":5550,"sentiment":"neutral","sentiment_score":0.06363564027308849},{"text":"Absolutely. Most definitely. Perfect.","start_word":5551,"end_word":5554,"sentiment":"positive","sentiment_score":0.5350061058998108},{"text":"So I think, like, for myself, like, I'm like, well, it's gonna be a bit of a rough trough for the next five to ten years with little kids. Mhmm. But then after that, hopefully, we free up a bit of cash and can start investing in other things. Yep. So I'm not really sure how to answer. That's okay. Hopefully Do you think hopefully you'd that sort of do you think you're sort of wanting a bit of both? You're wanting that capital growth, but you're yeah. also Let's wanting to, you know, let's offset go both. some of the risk by having a bit of income there as well? Yeah. Let's go both. Yep. Go in Beautiful. the middle because I don't I'm not a 100% sure. No. That's okay. The second last question here is asking, have you ever thought about taking out a loan in order to invest in shares or manage funds, or do you have a goal down the track of borrowing money to maybe buy investment properties and things? Never thought about it. Yep. That's okay. And do you have any kind of goals on the track where you might wanna buy investment properties? We did sort of talk about you you wanting to maybe invest outside of super as well. Is property one of those things that you guys might wanna invest in down the track? Or Yeah. I mean, a property would be nice, like a commercial property Yep. interstate. Definitely nothing Yep. in Victoria.","start_word":5555,"end_word":5808,"sentiment":"neutral","sentiment_score":0.047095663955537825},{"text":"Victoria is a shithole when it comes to investments Yep.","start_word":5809,"end_word":5818,"sentiment":"negative","sentiment_score":-0.41166484355926514},{"text":"Yep. that cost more than makes. So Yep. for us, yeah, if we were to look at something, I I would suggest most likely be industrial commercial property in another state Yep. that makes Yep. sense, but we'd definitely seek advice before doing it. Yep. Yep. So make sure you understand the risks. Yeah. Yep. Absolutely.","start_word":5819,"end_word":5874,"sentiment":"neutral","sentiment_score":-0.06394226849079132},{"text":"Perfect. Oh, good.","start_word":5875,"end_word":5877,"sentiment":"positive","sentiment_score":0.3996183872222901},{"text":"Well, you've answered all these questions.","start_word":5878,"end_word":5883,"sentiment":"neutral","sentiment_score":0.29280200600624084},{"text":"Thank you so much.","start_word":5884,"end_word":5887,"sentiment":"positive","sentiment_score":0.6414783596992493},{"text":"A lot of them kinda relate back to each other, so kinda having that conversation going to those questions.","start_word":5888,"end_word":5906,"sentiment":"neutral","sentiment_score":0.2604605257511139},{"text":"We've answered them all nice and easily.","start_word":5907,"end_word":5913,"sentiment":"positive","sentiment_score":0.4462204873561859},{"text":"Now where you've scored with this risk profile, you've scored as a growth investor. What that essentially means is that you're not the highest risk. You're kind of in that mid range a little bit. So our investor profile start off aggressive high growth, growth, balance growth, and balanced, and then kind conservative and defensive at the very bottom there. So you're fairly mid range. What Yep. you would normally see when you think about your super is you would see 80% of your super invest in growth assets. So things like Australian shares, international shares, listed property, and also commodities, so gold and silver there as well. And then the other 20% would be a lower risk defensive investment. These are more cash producing. You think of things like fixed interest, bonds, term deposits, things like that. So they're lower They get a lower rate of return they're supposed to, but they're not they don't fluctuate. They don't, you know, go up and down as violently or as regularly as those growth investments do. So having a mix of those gives you diversification, having some high risk investments as well as some lower risk investments in there. With the growth portfolio, we're sort of chasing an average return of around seven to 9% on a yearly basis. That's compounding forward. Anything over that 9% is your portfolio has over performed and done exceptionally well. Anything under that 7% and your your portfolio's underperformed through the year there. With the growth portfolio, because we talked about the likelihood of a negative return, these things do happen with market volatility. We would expect a negative return sort of one in every five years, And this sort of investor profile suits someone who has at least six years before they're wanting to retire. So you've got more than double that at the moment. You're not going you know, you're not retiring anytime soon. So you do have that sort of minimum time horizon to be up in that growth environment. And with your agent stage and where you're at at the moment, we normally see someone in either a growth or high growth environment with that with where they are. When you're about six years away from wanting to access super or retire, then we would sort of see that drop significantly there. Does that growth environment sort of sit with where you'd like to see your super, or did you wanna maybe look at increasing or decreasing the risk level a little bit there? How do you feel about that? I feel like a growth environment sounds good. I mean, it's Sounds not good? growing at an at all currently, so some Yep. growth would be nice. Absolutely. No. Perfect. Well, I'll have a look at that for you. When I provide the advice to you, essentially, I'll provide it as a statement of advice. We'll go through it page by page. I'll rate run you through what the recommendations are, the advantages, disadvantages, the risks involved, and then you get to take it away and have a really good rate of it yourself. Okay? Yep.","start_word":5914,"end_word":6438,"sentiment":"neutral","sentiment_score":0.005387702552335603},{"text":"Sounds good. Perfect. Now excellent.","start_word":6439,"end_word":6443,"sentiment":"positive","sentiment_score":0.4841422140598297},{"text":"Now I'll have a look at that for you. Now there are some other different ways to invest. They have different management styles. The first one is active management. Having a little bit management in there means that you're investing in act in investment managers who are trying to outperform the market. Having more of an active approach to your portfolio does it can cost a little bit more. There's no guarantees that active managers are going to outperform against the market, but they do their best to try. Some years they succeed, some years they don't. There is also another way of investing. It's called passively, and these are passively managed investments or ETFs or managed funds that are essentially just tracking the market there.","start_word":6444,"end_word":6569,"sentiment":"neutral","sentiment_score":0.15066454145643446},{"text":"This is more of a lower cost way of investing. It can also outperform against active managers depending on what the market does over the course of the year.","start_word":6570,"end_word":6598,"sentiment":"positive","sentiment_score":0.47319895029067993},{"text":"Do you think you wanna sort of focus on a lower cost way of investing go passive, or did you wanna sort of see if you can get something that's, you know, gonna hopefully outperform against the market and look at that active management style? What would you like me to look at for you? I think to start with, I would probably go for the more aggressive option there for the next two to three years, Yep. and then reassess after that to see if we go passive or stay aggressive.","start_word":6599,"end_word":6690,"sentiment":"neutral","sentiment_score":0.21258479356765747},{"text":"Yes. Perfect. So we'll look at something more of an active management style for you for your investments.","start_word":6691,"end_word":6708,"sentiment":"positive","sentiment_score":0.4120776951313019},{"text":"Yeah. I I think, like, to start with, because it's so low. Mhmm. I mean, Yes. with it being low, taking Mhmm. a little bit more risk doesn't scare me, if that makes sense. Yep. Yeah. Absolutely. If it was if my super was double what it is currently, I would probably be a lot more nervous about being aggressive. Yep. But because it is so low, I'm Yep. not super nervous about it at the moment. So I'm Yep. I'm willing to take a little bit more risk. Okay. For question though, Yes. like, is it possible say your portfolio is Mhmm. 150,000, is it possible to go a third of that aggressive and then the other half the more safe? Like, the other two You two thirds. yeah, you you can. It is a little bit harder. We Sorry. when we sort of look at investments, we kind of break it down into this growth and defensive investment classes. So we would need to sort of split your portfolio up a little bit differently to go the aggressive because aggressive a 100% growth investments. There's no defensive investments in there at all. What I would probably look at doing is maybe just adding some active investment in there for you. This is thinking about the different ways we could probably do that. I can have a look at how we could maybe look at doing that for you and I mean, see that's if way it's possible down the line. within the different yeah. Yeah. No. Absolutely. It was just a it was just a throw out question just to see if, Yeah. like, that No.","start_word":6709,"end_word":6986,"sentiment":"neutral","sentiment_score":0.03949767964215373},{"text":"is a possibility at all.","start_word":6987,"end_word":6991,"sentiment":"negative","sentiment_score":-0.3464246392250061},{"text":"Like, it's Yeah. not something I'd be looking at doing immediately, but, Okay. like, Yep. let's say that you take that 70 k that's there right now, and by this Yeah. time next year, we're sitting it at a 130. Like, we've Yeah. almost doubled it.","start_word":6992,"end_word":7037,"sentiment":"neutral","sentiment_score":0.0450153648853302},{"text":"I would be like, okay. That's impressive. Wow.","start_word":7038,"end_word":7045,"sentiment":"positive","sentiment_score":0.5245387554168701},{"text":"Like, let's go another year of that. Let's try to make Yep. it Yep. to 200. And then from the 200, I'd be like, okay. Well, of that 200, I'd really wanna set the original 70 back into the safe Mhmm. and Yep. then put the rest of it in the aggressive, if that makes sense. Yeah. That's, It like, does. how It I does. would how I would play it Yeah. just Yep. to, like, be like, okay. So we're back to where we were in one of them. Like, we've grown it to this point. I'm gonna take the original amount, put that back in the safe, and then gonna give you the remainder to just go gung ho. Like, what have what Yeah. have we got to lose? Because I look at it from my perspective, I look at that as a bonus. So Yes. you've got that bonus money. And then I didn't have it two years ago. So what have I got to lose? Yep. Yep. Absolutely. To do it that way, we would have to separate it into two two separate accounts. They wouldn't be able to structure in one account that way. So when Mhmm. we're looking at the portfolios, we look at your risk profile and we structure the growth in defensive assets so that your overall and total risk profile doesn't exceed that eighty twenty split or, you know, we have, like, a 10% variance either side of that for you to allow for changes in market conditions and investment pricing. The way you're sort of talking about doing that would be great, but we would need to have it separated significantly because one would be taking on a lot more risk than the other, and that could change your overarching risk profile because you're sort of saying one be really aggressive, the other one be quite safe and lower risk and more defensive of nature. Yep. Down the track, we could definitely look at maybe doing it that way for you, but the way we would have to split that would make it a lot more expensive as well because you'd have to split it. You have two lots of administration fees and things like that. So down the track, we could maybe look at splitting and doing it that way for you. Yep. For now, I'd probably just, with the balance you have, stick with the growth portfolio, look at the make sure the overarching is within that range and sort of see how we go to start with. Yep.","start_word":7046,"end_word":7476,"sentiment":"neutral","sentiment_score":0.0306661607181165},{"text":"Make sure your contributions start coming in. Make sure it starts getting that sustainable growth, and then we look at maybe how we split that.","start_word":7477,"end_word":7501,"sentiment":"positive","sentiment_score":0.3869509994983673},{"text":"And we also look at down the track, maybe looking at investing outside of super, so we might take a bit more risk on the stuff inside super and a little bit less risk outside of super, but structure it so it's all within that sort of portfolio effect for you. It's not not completely undoable. It can be done. It's just Yep. about making sure it's gonna fit with your goals and understand where we're comfortable taking that extra risk and where we're not comfortable doing that, if that makes sense. Yeah. Yeah. I was just curious if Yeah. it was a an Yeah. option at all, like, Yeah. yeah. Because Yeah. I'm I'm definitely That's doable. I'm willing to take a little bit of risk on a because it is a lower amount. But if it grew Yeah. you know, when you're, like, you're at the table and you're playing it and you're like, I started with $5. Alright. I'm up to $50. I Yep. either Yep. go all in or pull back or give half, keep half. Like, Yes.","start_word":7502,"end_word":7683,"sentiment":"neutral","sentiment_score":0.1528147509792349},{"text":"they're, like, the three options I see.","start_word":7684,"end_word":7690,"sentiment":"positive","sentiment_score":0.33650892972946167},{"text":"And Yes. I'm like, well, you can't pull it out because you need it to grow.","start_word":7691,"end_word":7706,"sentiment":"neutral","sentiment_score":0.3235401511192322},{"text":"So that Yep.","start_word":7707,"end_word":7709,"sentiment":"positive","sentiment_score":0.37088608741760254},{"text":"puts you down to keep a safe amount, play the rest. Mhmm. So I'm kinda like, well, down the track, I definitely would be thinking, do we keep a safe Do amount that. and play the Yep. rest to see what we can gain? And then, hypothetically, let's say that Race and I had enough super growth combined Mhmm. that we could potentially pull some out and put it on a property and then offer that out by we keep some in super, keep investing in another things, and then we have a property that we have extra cash that we put into that kind of situation. I don't know if that's even a possibility, but, yeah, just Yes. I have no Yeah. idea if that's even something you can do down the line, but, like, I don't even even know if you're eligible money out of super to do that kind of thing. But, yeah, that's where my mind goes. It's like, can you Yeah. build it up and then invest it in something physical, Yep. if that makes sense? Yeah. We can. There are speculations around doing it, though. So with the kind of structures with the way your CV is structured at the moment and with retail funds that we tend to look at with the type of balance you have, you can't until Mhmm. you hit the retirement ages. However, if you're down the track, we're able to had enough of a balance and could look at something like a stock and a super fund, then you can do that. The only Yep. downside is you can't withdraw the funds, buy a property, and live in the property. It has to be. There's a lot of regulations around what's called an arm's length transaction. So the idea of a super fund is that you're building wealth for the member for retirement. Yep. Can't sort of buy a property you live in at either the holiday home or rent it out for your own personal gain. It's gotta Yep. be for the gain of the super fund. But down the track, we can look at that. Alternatively, we can also look at, you know, what you have in your own name as the kids get a bit older and look at investing outside of Super in different areas and looking at how we maybe leverage your current property and the equity you've made there to kind of help you get those tax rewards outside of Super as well.","start_word":7710,"end_word":8130,"sentiment":"neutral","sentiment_score":0.10948432401495138},{"text":"So there are definitely things that we can do. I'd say we'll Yep. keep it simple for now.","start_word":8131,"end_word":8148,"sentiment":"positive","sentiment_score":0.4034978449344635},{"text":"And then as things build, as things grow down the track, then we can look at everything as a whole with yourself and Reece and look at Yep. how we structure other investments and build wealth in other ways for you as well. Okay? Yeah.","start_word":8149,"end_word":8193,"sentiment":"neutral","sentiment_score":0.2833062410354614},{"text":"That sound that sounds good. I mean Perfect.","start_word":8194,"end_word":8201,"sentiment":"positive","sentiment_score":0.46788468956947327},{"text":"yeah. We've never had any advice on this kind of stuff. So Oh, yeah. yeah. We've just kind of, like, we're just being young and winging it and just going Yep. with what the norm is, to be honest. And then Yep. now that we're coming out of the bit of that fog of, alright. We're just young and stupid. We've got to think about our kids in the future. Yep. We're like, alright. Let's start looking at how we how we do this Yes. and Yep. future proofing our life. Because I'd I'd personally prefer to not be banking on super for my retirement. I personally Yes. prefer to have sort of an investment property that does give us a dividend that means Yep. that we can live off that as a form of income and then, Yes. you know, keep on Yep. doing what we're doing with Super where it just grows on itself. And then when we need it, we can cash it in. Yep. Yeah.","start_word":8202,"end_word":8370,"sentiment":"neutral","sentiment_score":0.05570250634963696},{"text":"Absolutely.","start_word":8371,"end_word":8371,"sentiment":"positive","sentiment_score":0.4263694286346435},{"text":"No.","start_word":8372,"end_word":8372,"sentiment":"neutral","sentiment_score":0.3155418634414673},{"text":"That's perfect. We can definitely help you in those areas. I'll put that down as some medium term goals there for you as well. That's fantastic.","start_word":8373,"end_word":8398,"sentiment":"positive","sentiment_score":0.6475158333778381},{"text":"The other thing I need to touch base on is the insurance side of things. So I can see within Mhmm. your current super fund there, you do have a bit of life and TBD. The current sum in towards that 229,160. Paying about $247 on a yearly basis with that. Is your life and TPD important to you? Are you wanting to keep insurances? What are your thoughts around them, and do you understand what they pay out? I have no idea what they pay out. I do not understand that. That's I okay. feel like life insurance is pretty important, but I only have it through Yeah. my super because Yes. once again, costs of living. So I think definitely would look at I didn't even know what the TPD means, so that means nothing Yep. to me. I'm you'd have to explain that to me. But I definitely think That's it okay. would be good to keep some sort of insurances in place Yep. Yeah. so that Absolutely. should anything happen, it at least gives Reece some breathing space for Yep. mortgage cost of Yep. living, etcetera. Yep. Yeah. I mean, Perfect. should something happen to both of us, that would be, Yes. hopefully, A different story. yeah, hopefully, Yeah. a very different story. That should Yeah. Absolutely. Nothing ever does. But, yeah, you obviously have to plan for these things. Definitely. And what's one of the biggest things or the biggest risk with insurances is that you pay all the premiums that you never actually make a claim and you end up canceling or they just, you know, run out when they expire, essentially. However, there are quite a lot of people who don't have any types of cover and then come to find something has happened. It's, you know, technically, a one or 2% chance that something's gonna happen, you're gonna make a claim.","start_word":8399,"end_word":8717,"sentiment":"neutral","sentiment_score":-0.04479586333036423},{"text":"However, most people that do make a claim, you know, have had either not enough insurances, haven't really thought anything about it, or don't have any at all. It can make life very, very difficult for them.","start_word":8718,"end_word":8754,"sentiment":"negative","sentiment_score":-0.4845256209373474},{"text":"Yep. With insurances, are you sort of focused around looking at the keeping a level of cover that you want and making sure it's as cheap as possible, or are you wanting kind of the best cover you can get with the best benefits for what you're paying for? Mhmm. In an ideal world, I'd want the best As long as it's coming out of my super and not coming out of my weekly Yep.","start_word":8755,"end_word":8829,"sentiment":"neutral","sentiment_score":0.07584789395332336},{"text":"allowances, I'm I'm happy Yep.","start_word":8830,"end_word":8834,"sentiment":"positive","sentiment_score":0.4170385003089905},{"text":"for that to be increased. Okay. Yes. The the reason I don't have separate life insurance currently is just it's not an affordable thing for us to Yeah. equate into what we've currently got coming in and going out. Yes. So I've kind of left the super one as well. At least that's something. Yes. But it would be nice for it to be you know, it it would be really lovely for the total payout to be half $1,000,000 so that all mortgage repayments are covered, if that Yep. makes sense. If something was to happen, Yeah. at least, Yep. you know, the mortgage is able to be completely paid off. Yep.","start_word":8835,"end_word":8947,"sentiment":"neutral","sentiment_score":0.06138797849416733},{"text":"Perfect.","start_word":8948,"end_word":8948,"sentiment":"positive","sentiment_score":0.4744792580604553},{"text":"So look at maybe increasing your last cover to half 1,000,000 to cover the mortgage. Because the mortgage I've got down here is 520,000. Let me I think it's about that. Hold on one second. I'll have a quick Sorry. look at my account. You're No. You're alright. all good. You're all good. I'm I'm a number blind person, so you can That's spit okay. numbers at me all night. Yeah. Currently, it's literally just a fraction, like, a very small fraction below $5.20. So, yeah, call it $5.20. Okay. Yep.","start_word":8949,"end_word":9039,"sentiment":"neutral","sentiment_score":-0.01678534410893917},{"text":"Perfect. So you're happy to just maybe increase your life cover up.","start_word":9040,"end_word":9051,"sentiment":"positive","sentiment_score":0.5472147464752197},{"text":"So if in the event that you were to pass away, the life insurance would pay out the mortgage completely, but then maybe have your suit benefit paid out on top of that to give Reece some additional buffer. Would that be a comfortable amount for you? Yeah. That I'd be sorry to hear. Yep. Yep.","start_word":9052,"end_word":9107,"sentiment":"neutral","sentiment_score":0.03848331421613693},{"text":"Beautiful. We can do that.","start_word":9108,"end_word":9112,"sentiment":"positive","sentiment_score":0.502686619758606},{"text":"Now with TPD, it's totally permanently disabled. Essentially, TPD pays out a lump sum or an income stream depending on how you take the funds in the event that you're never able to go back to work again. They look at any occupation for which you're trained, educated, or have worked.","start_word":9113,"end_word":9163,"sentiment":"neutral","sentiment_score":-0.0028048923704773188},{"text":"It is a very hard definition to pay on.","start_word":9164,"end_word":9172,"sentiment":"negative","sentiment_score":-0.3754330277442932},{"text":"The kicker with TBD is that if you're 60, you do pay tax on the payout. It is up to 22%, and there's a fund math equation that sort of helps us understand what the taxable component is. The Yep. older you get, the closer you get to 60. Often, the the taxable amount does decrease, so it is better to be older. And if you were to claim Yep.","start_word":9173,"end_word":9242,"sentiment":"neutral","sentiment_score":0.07005354762077332},{"text":"TPD after the age of 60, it is all completely tax free.","start_word":9243,"end_word":9254,"sentiment":"positive","sentiment_score":0.34332332015037537},{"text":"So it's not an issue at all. One of the big things with TPD is most people you are still living, so your regular living expenses still continue to have to be paid. You still gotta feed yourself, often look after medical expenses, rehabilitation, sometimes, you know, trying to repair or make repairs to the home, plus the mortgage. With your, say, TBD cover, are you just wanting to maybe make sure you have the same amount as your life cover? So in the event of a claim and keeping in mind, if you did have to claim on TBD, we're as advisers do provide advice on how we can minimize the tax consequences for you as much as possible, and we help you with the claim as well. So we obviously don't want you to have to pay a huge amount in tax, and we'll do everything we can to advise the right way to limit that for you. But do you think you would be comfortable with just that the same amount as life, or do you think you might wanna gross that up to take into effect the possible tax consequences to give you a higher benefit. What do you think you might wanna be covered for, TBD wise? My mind says go for the go for the tax, Mhmm. but the logic Yep. in me is like, like, how much is that gonna cost me? Do you want me to look at both options for you and look at Yes. the most the most effective way making sure that your soup is gonna provide growth for you? Yeah? Yes. That that actually Yep. yes, please.","start_word":9255,"end_word":9533,"sentiment":"neutral","sentiment_score":0.10470465799012492},{"text":"If you can do Perfect. that, Yep.","start_word":9534,"end_word":9540,"sentiment":"positive","sentiment_score":0.3684835135936737},{"text":"I'll I can if I see the figures in front of me, I can make a decision from there. Does that Yep. make sense?","start_word":9541,"end_word":9564,"sentiment":"neutral","sentiment_score":0.2308573871850967},{"text":"Perfect.","start_word":9565,"end_word":9565,"sentiment":"positive","sentiment_score":0.41180092096328735},{"text":"What what I'll do is I'll look at both of them for you. I'll make a recommendation one way or another, and then the other Love option that. I'll put in the appendix so you can see both options, but you can also see the way I've gone with that recommendation for you. Sound okay?","start_word":9566,"end_word":9620,"sentiment":"neutral","sentiment_score":0.19439661502838135},{"text":"Love that.","start_word":9621,"end_word":9622,"sentiment":"positive","sentiment_score":0.3357604146003723},{"text":"Yep. Yep.","start_word":9623,"end_word":9624,"sentiment":"neutral","sentiment_score":0.2128191590309143},{"text":"Love Beautiful. that. I'll also make it so that life so one of the ways to make the insurances more cost effective for you is to grow so the life can match the TPD so we can link them together because you get a multi policy discount.","start_word":9625,"end_word":9671,"sentiment":"positive","sentiment_score":0.3521401584148407},{"text":"So if I recommend that we, you know, cover the tax for the TPD and grow it up, I'll also gross up the life benefit to match it so that we're trying to limit the amount of premiums you have to pay. But it also means if you if we go that way and you would have passed away, then resales get a higher benefit to support too. So are you comfortable with that? Yeah. I'm comfortable with that. Yeah.","start_word":9672,"end_word":9751,"sentiment":"neutral","sentiment_score":0.14303237199783325},{"text":"Excellent.","start_word":9752,"end_word":9752,"sentiment":"positive","sentiment_score":0.4313270449638366},{"text":"Now the other thing I can see here is with income protection. You don't have any income protection at the moment. It looks like you may have had some in the past that's kind of because no contributions are sort of gone in for a while, it looks like that's probably dissipated. I Yeah. know you are, as a casual worker, putting some money away to cover yourself in the event of taking annual leave and things like that. Did you wanna look at income protection, or are you sorta happy just with the life and CBD? No. I'm happy with the life in TPD. Honestly, the Yep. income protection, I'm not super worried about because yeah. I mean, I've got currently more in savings Yep. than I've earned in the last year. Okay.","start_word":9753,"end_word":9886,"sentiment":"neutral","sentiment_score":-0.04656656242128628},{"text":"Perfect. Perfect. Excellent.","start_word":9887,"end_word":9889,"sentiment":"positive","sentiment_score":0.5757110118865967},{"text":"And there Like, are it other only types it of only insurance. covers me for You're right. a year, Sorry. but it only Yep. covers me for a year, but, you know, Yep. like, it that's better than nothing. I Yeah. try to always Absolutely. keep if it makes sense, I've I've tried to always keep minimum three months worth of mortgage repayments aside Yep. so Yep. that should anything happen where I lose my job, I've got three months to make shit happen. I Yes. think currently, I've got I'll do some quick math on it. Yeah. You're right. Yeah. I've got about four months worth of mortgage repayments set aside in Okay. one account that doesn't get Perfect. touched at all. So, Yep.","start_word":9890,"end_word":10014,"sentiment":"neutral","sentiment_score":0.05351987108588219},{"text":"Perfect.","start_word":10015,"end_word":10015,"sentiment":"positive","sentiment_score":0.3683739900588989},{"text":"yes, how we roll.","start_word":10016,"end_word":10019,"sentiment":"neutral","sentiment_score":0.29070279002189636},{"text":"Beautiful.","start_word":10020,"end_word":10020,"sentiment":"positive","sentiment_score":0.4910529255867005},{"text":"With those big savings accounts, how much do you actually have in those? Do you know if it's up Yep. to Yep. So your I head can tell at you exactly. all? Mhmm. So offset has 14,000. Yep. Savings, 36 Yep. thousand. And then current, apart from mortgage, current debt is sitting at about 6,000. Okay.","start_word":10021,"end_word":10076,"sentiment":"neutral","sentiment_score":0.04962950944900513},{"text":"Beautiful. Lovely. Thank you for updating up there for me. Fantastic.","start_word":10077,"end_word":10087,"sentiment":"positive","sentiment_score":0.5785045027732849},{"text":"So I'll just look at the license TBD component, look at the best way to sort of structure that so that it's not costing you a crazy amount in the way of premiums, but you're also getting the benefit of making sure that if the event of a claim, that you are able to cover the things that you wanna cover. With your life insurance there as well, it's also important to factor in the estate planning side of things and what you want to happen. I can't see a note on here about any beneficiaries there, but most of the time when it comes to our life and our super, if we were to pass away, you want everything to go to race so he can continue paying the bills, pay the mortgage, look after your family. Is that right? Correct. Yep.","start_word":10088,"end_word":10230,"sentiment":"neutral","sentiment_score":0.17120320907422712},{"text":"Beautiful.","start_word":10231,"end_word":10231,"sentiment":"positive","sentiment_score":0.5694239139556885},{"text":"And have you guys spoken about drawing up a will power of attorney? I know I kinda spoke to Reece about that the other day, and we sent through the information on the solicitors to him. Did you guys get that email, and have you had that conversation about drawing up a will and power of attorney and things like that? Reason I have not had that conversation. It is something that we very much need to do though. It's definitely, like, literally been on our minds Yep. for the last seven years of, like, something that Yeah. we really need to do, but we Yeah. just have not got around to it. Obviously, we need to have power of attorney for our kids as Yep. well, Yes. and Yes. everything's set up for if something happens to one of us and if something happens to both of us, what happens to our kids, Yep. Yep. that kind Got of it. Yeah. thing. Yeah. We need we need to do all of that. Yep. We kinda buried our heads in the sand about it, to be honest. Nice. But, yeah, we need to Okay. get that sorted for our Yep. kids' sakes and what we want Yep. for our kids. Yeah.","start_word":10232,"end_word":10442,"sentiment":"neutral","sentiment_score":-0.015322711318731308},{"text":"Perfect. Not a problem at all.","start_word":10443,"end_word":10448,"sentiment":"positive","sentiment_score":0.41186216473579407},{"text":"We'll factor the estate planning size in there for you, and I'll recommend that the licensee the so the life policy and your super that they'll be sort of paid to raise in the event of that, you know, the the event of you passing away prematurely. Yep. And I'll make sure that's all included in the advice document for you. That's basically everything I need to be able to go and have a look at everything. I'm looking at super now for you and factoring the estate planning sides of things. We are factoring in just your income and the the likelihood that, you know, employer contribution should all start going in soon. We'll make sure we help you to organize and change your name on your super fund to make things a bit easier and more streamlined there for you. And then long term sort of medium term goals that we're looking at investing properties down the track, investing outside of so far is property was one of those that we kinda went through as well. Is there anything else that I might have missed? Is there anything else that you wanted me to sort of focus on? Or No. There's literally No. nothing else that I can think That's of. okay. Yeah.","start_word":10449,"end_word":10663,"sentiment":"neutral","sentiment_score":0.13860513741193817},{"text":"This is a very Beautiful. new concept to me.","start_word":10664,"end_word":10672,"sentiment":"positive","sentiment_score":0.5753854513168335},{"text":"So, That's like, I've okay. literally just been I've just been winging it, to be honest. Yeah. Yep. Kind of, like, trying to live within a budget, plan within a budget, Yep. Yep. and then just winging it. Never saw any financial advice previously. So Yep. No. Well, you've done really well to get to where you are, like, with your mortgage there. I've got the property down. Asset value is at 1.4 mil. Would you change that value, do you think, or anything? No. I think that's pretty bang on for current. Yep. I'm literally in the process of getting all my life together to do a bit of a pulse check on our mortgage Yep. to see if it's worth remortgaging at all to Yep. get a lower rate. Yep. Obviously, the equity in the property has grown in the last I think we haven't checked our mortgage in four years. So the Yep. equity in our property has definitely grown in that time. So, yeah, just seeing what we can do with what we've got. Last Yep. time Yep. we did it, we paid off our car Okay. and then kind of took out a bit extra just to sit there in the offset. That's a bit of a safety net because we had Yep. Yep. $0 at the time. Yeah. But, yeah, now we're, like, right. We've we haven't checked on it in a few years. It's time to just do a bit of a pulse check on it and Yep. see what we can achieve. Yeah. If we need to swap banks again, I don't know. But Yeah. I'll have Perfect. a look at it. Well, when when you are ready, feel free to let us know because we do have mortgage brokers we can refer you through to. It's all free of charge to yourself, and they can always talk to you about what your mortgage looks like, what's the borrowing capacity, and see what they can certainly do to help. So when you are ready for that, let me know. Okay?","start_word":10673,"end_word":11020,"sentiment":"neutral","sentiment_score":0.0627541016979978},{"text":"Sounds good.","start_word":11021,"end_word":11022,"sentiment":"positive","sentiment_score":0.37412142753601074},{"text":"Yeah.","start_word":11023,"end_word":11023,"sentiment":"neutral","sentiment_score":0.25050583481788635},{"text":"We, Oh, yeah, we're very lucky good. where we live. We're in a good growth pocket. So, Fantastic.","start_word":11024,"end_word":11041,"sentiment":"positive","sentiment_score":0.4676454961299896},{"text":"I mean, Oh, that's you've the done really original well. mortgage was, I think, May Yep. about seven and a half years ago. Wow. So we did pay down a fair chunk of it because we redrew Yep. on that as well. We've redrawn twice Yep. on it. So we've paid down a fair chunk considering what interest we're paying, Yep. but also the property value has massively gone up. So that's Yeah. the kind of growth that we've had you'd expect in ten to fifteen years to maybe reach where we are now. Yep. And I would say the price of our house has steadily been is about that for the last two years. So Okay.","start_word":11042,"end_word":11158,"sentiment":"neutral","sentiment_score":0.0990142747759819},{"text":"Beautiful.","start_word":11159,"end_word":11159,"sentiment":"positive","sentiment_score":0.37488484382629395},{"text":"yeah.","start_word":11160,"end_word":11160,"sentiment":"neutral","sentiment_score":0.30089178681373596},{"text":"Very lucky.","start_word":11161,"end_word":11162,"sentiment":"positive","sentiment_score":0.44768375158309937},{"text":"Yeah. Absolutely. No.","start_word":11163,"end_word":11165,"sentiment":"neutral","sentiment_score":0.26268598437309265},{"text":"That was that's fantastic.","start_word":11166,"end_word":11169,"sentiment":"positive","sentiment_score":0.5005028247833252},{"text":"The only other thing I need to sort of look at for you is just doing a bit of a pre assessment. So because we are looking at insurances, I'm just looking at life and TB, not looking at anything that's gonna be paid out of super just because your expenditure is a little bit tight at the moment, but we can always review other insurances down the track for you. We just need to do a little bit of a health questionnaire with you. Do you have just Yep. another five minutes so I can transfer you through to Maddie? She's gonna complete the health questionnaire for Yeah. me, and then I can go Absolutely. back and do that research for you. Is that okay?","start_word":11170,"end_word":11295,"sentiment":"neutral","sentiment_score":0.056513160201055665},{"text":"Fantastic. I'll put you on a brief hold.","start_word":11296,"end_word":11303,"sentiment":"positive","sentiment_score":0.4356934130191803},{"text":"I'll send you through to Maddie. She'll do the health questionnaire. Before I do let you go, is there any questions you have for me? I know she kinda went through what we do, how we deal with the fee structure, things like that. But do you have any other questions for me that you might wanna ask me in relation to the process, anything we've gone through, or in general? No. No. Thank Not you so much for your time. I have oh, no that's other okay. questions.","start_word":11304,"end_word":11392,"sentiment":"neutral","sentiment_score":0.07779009640216827},{"text":"Not a problem. I promise. I love this stuff. I'm probably the happiest person who ever talked to about super insurance and estate planning. So I love it. I'll go back I'll go back and do all the research there for you. I'll generate a plan. What I'll do is once Maddie's done the pre assessment with the with you, I'll get her to book you in for in two weeks time, and we'll have the advice ready to go, and we can go through that together.","start_word":11393,"end_word":11479,"sentiment":"positive","sentiment_score":0.5099913477897644},{"text":"Okay?","start_word":11480,"end_word":11480,"sentiment":"neutral","sentiment_score":0.3001514673233032},{"text":"Sounds great. Thank you so much for your Beautiful. time, Dana. My pleasure. Thank you for your time, Elise. I'll send it through to Maddie, and I'll get stuck I'll get stuck into the research for you.","start_word":11481,"end_word":11517,"sentiment":"positive","sentiment_score":0.5842585563659668},{"text":"No worries.","start_word":11518,"end_word":11519,"sentiment":"neutral","sentiment_score":0.25877973437309265},{"text":"Thanks, mate. Thanks.","start_word":11520,"end_word":11522,"sentiment":"positive","sentiment_score":0.5657970309257507},{"text":"No worries. Won't be a moment.","start_word":11523,"end_word":11528,"sentiment":"neutral","sentiment_score":0.13121743500232697}],"average":{"sentiment":"neutral","sentiment_score":0.07928546878052914}}}}