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Mhmm. Mhmm. Yep. Yes. Correct. Yes. So just yeah. Perfect. Now just before I do go any further, I have to pass you through the security just so that I can go through your information. Just your first full name, date of birth, and address, please. Sure. Just your full address as well, please. Yep. Amazing. And I do also have to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Yep. Yep. Beautiful. Now you are exactly right, and that is often why people do a bigger lump sum contribution into super is because they have sold an investment property. What the process would be from an administration point of view is that you would make the contribution. Now I can get the team to email you your account details of how to do it because you would do it as an after tax contribution, which is just, like, from money from your bank account, which is your nonconcessional contribution. So, basically, it means after tax. What then happens is the notice of intent, like you mentioned, is that once you have made the contribution, we can then send you a form to change it to a concessional, so a pretax contribution, as long as you have the cap spaces for it. So did your accountant run through all the rules in regards to all of that? Mhmm. Okay. And he obviously considered you not exceeding current cap spaces and legislation under the superannuation rules as well? Because that's usually correct. Yes. Perfect. Okay. Okay. Yeah. Yeah. Perfect. Mhmm. Yep. We we, yeah, we will then lodge it with your superannuation. So we will lodge it with NatWell. They will then process it. And when it's complete, they will send us a letter of acknowledgement, which we would just forward on to you, and then that is what you would bring with you to your accountant when you do your tax return. Yep. Correct. So you have to make the payment before the end of the financial year. Now it is often best to do it and lodge it in this financial year. Just so if you do have because if you do go over the concessional cap space, what happens if you utilize the oldest year first? So, obviously, let's say, in theory, you have you know, you exceeded by 20,000, let's say, you would then use the twenty twenty to twenty twenty one financial year cap space. If you do it next year, like, it kind of changes and then you lose out anything that you could use for that year. It still means you still have five years, but it is often easier. You don't have to, but just make sure the money's in and we can do the notice of intent. So, typically, we do we do say it's best to have the money in and for us to lodge it. This financial year, four is, but there is a way you you can do it after. Now each super fund processing slightly different. It depends on when you guys were thinking about it, but we're telling most people to try to do the payment and let us know this week to give the Netwealth enough time to process everything. Because even when you make the contribution, it will take a couple of days for it to actually show up in that wealth before we can then kind of change it. Does that make sense? Yeah. Okay. No. No. Not as long as you do it the same way, because often what happens is, like, self employed people, for example, they would do they would just pay themselves directly from the bank account, especially if you're, like, a sole trader. So they would like, let's say, in a monthly or weekly basis, they will put a little bit of money in from their bank account into super, and we would do the same process that at the end of the financial year, we will calculate it how much you have done, confirm that you wanna change all of it, and then we'll do it for you. Mhmm. Yes. Yes. Yeah. Yep. Mhmm. Correct. Yes. It is tricky. It does totally make sense. It is tricky because the only way to minimize that capital gains tax, which is what you would pay as a like, which would be, like, the lump sum when you're changing super funds, would be if your money is not growing or not in investments that's going to grow. So that would be, like, literally just have it sitting in cash, for example, which obviously is not something I recommend because that means your money is not gonna grow as much. So that would be kind of even if we invested in something, let's say, defensive, if it's still gonna grow, you're still gonna have to pay capital gains tax. And if we put, let's say, the 90,000 in, let's say, gold or something, then, obviously, you're heavily over invested in gold according to your risk profile. But when you still sell it, you're still going to pay capital gains tax. It might be slightly less than if you haven't invested in higher growth options, but then you're not going to obviously grow your super as much. The buy and sell cost would still be there, so there will still be a transaction cost with buying investments and selling investments as well. Exactly. So it depends on what you are buying into it, the type of investments, but then also, obviously, how we think so if, for example, you put the 90,000 in, that now in 2,000 would be invested as per your current portfolio proportionally. So x amount would go into keeping yeah. Yes. Exactly. Exactly. Mhmm. Yes. Yes. No. Almost all of these capital gains tax because the buy and sell isn't that great. Yes. It's the capital gains tax. Correct. Yes. Yes. It's only on the earnings. It's, like, same when you guys sold your investment property. Like, if you earned, let's say, 50,000 on it, you would only pay the capital gains tax on the 50. You wouldn't pay it on, like, the whole amount you sold it for. It's, like, the same concept. Mhmm. Yep. Correct. Correct. Yes. Yes. Correct. There is. Yeah. So they're straight on the portal. Just make sure you choose the right one. It is pretty clear which one it is, but sometimes people get confused because it lists, like, spousal contributions. So just make sure you you use the right number so it gets allocated correctly when it goes into your Netwealth account. Yep. Yeah. Yeah. No. And I'm glad you did call, and I'm glad that you confirmed that the accountant have confirmed your carry forward space because sometimes I do get clients saying, oh, I wanna put a 120,000 in. My accountant said it. I was like, okay. Perfect. And did they run through how much space you have left? And they're like, no. I'm so sorry. Sorry. It seems like yes. Yeah. Yes. Exactly. A bit of a boost. Yeah. And when I yeah. Yep. Correct. But it also comes into play with your investment. So that is what I was going to say. Because you are not paying for any fees, typically, management because we wouldn't then, like, action a lot of investment trades and everything like that for you because it does take, obviously, resources, all goes even through the ongoing advice fee. And especially with the notice of intent, there is a bit of the administration side. So, typically, management would be that you would obviously sign the ongoing service agreement. Now I have told you before that it is not a lock in contract. And even if you were to sign it, we can obviously action all of these transactions and make sure that the the money is invested in as per your risk profile and everything like that, make sure it all gets correctly. Now if then, let's say, four weeks time, you decide I don't wanna do this, you can still cancel it. You don't have to like, you're not paying for a full year. It's just a monthly deduction from your account. Yes. So that just allows us to manage everything. Yeah. Hesitant. Yeah. Yeah. No. No. No. Yes. 100 percent. You can you can email me or call the office and say I don't wanna stay on anymore, and we'd cancel it. Like, there is no lock in. The twelve month is a legal requirement that we have to get you to sign. Otherwise, we can't keep charging you, but that doesn't mean you are locked in through a twelve month period. That can you can cancel it, you know, after a month, after two months. Whenever you want to, you can cancel it. You just let us know. Yeah. Yeah. Yes. Yeah. No problem. Do you want me to get the team to resend those docs for you so that the top of your inbox whenever you have a moment? Yeah? Okay. Beautiful. I'll get the team on that. And then if you have any issues locating what information to use for the contribution, just give the office a call and they can always direct you if you do have any issues. And even send me an email when you have made the payment because then I will let the team know to keep a lookout for the money to come in. And then when you want us to do the notice of intent, again, just send us an email who's like, yep. Cool. I've made the money. I want to proceed with the NOI, notice of intent, and then we can action that for you as well. Yep. No problem. Well, thank you so much for your time. That's okay. We will typically send it to you when you've made the contribution. But if you want, I could get the team yeah. So that's why, like, if you send me an email to say, hey. I've made the contribution. Please proceed with it anyway, then my admin, Whitlam, will send you that form to to or to start the process. Yeah. No problem. If there's anything else you need at any point in time, don't hesitate to give me a call. Okay? No worries. We'll speak soon. 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afternoon, Candice. This is Veronica from Xfinity Financial. How are you? Yeah. I'm good.\n\nThanks. I I've had you booked in for a quick catch up. Is now still a good time for you? Yeah. Mhmm.\n\nMhmm. Yep. Yes. Correct. Yes.\n\nSo just yeah. Perfect. Now just before I do go any further, I have to pass you through the security just so that I can go through your information. Just your first full name, date of birth, and address, please. Sure.\n\nJust your full address as well, please. Yep. Amazing. And I do also have to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Yep.\n\nYep. Beautiful. Now you are exactly right, and that is often why people do a bigger lump sum contribution into super is because they have sold an investment property. What the process would be from an administration point of view is that you would make the contribution. Now I can get the team to email you your account details of how to do it because you would do it as an after tax contribution, which is just, like, from money from your bank account, which is your nonconcessional contribution.\n\nSo, basically, it means after tax. What then happens is the notice of intent, like you mentioned, is that once you have made the contribution, we can then send you a form to change it to a concessional, so a pretax contribution, as long as you have the cap spaces for it. So did your accountant run through all the rules in regards to all of that? Mhmm. Okay.\n\nAnd he obviously considered you not exceeding current cap spaces and legislation under the superannuation rules as well? Because that's usually correct. Yes. Perfect. Okay.\n\nOkay. Yeah. Yeah. Perfect. Mhmm.\n\nYep. We we, yeah, we will then lodge it with your superannuation. So we will lodge it with NatWell. They will then process it. And when it's complete, they will send us a letter of acknowledgement, which we would just forward on to you, and then that is what you would bring with you to your accountant when you do your tax return.\n\nYep. Correct. So you have to make the payment before the end of the financial year. Now it is often best to do it and lodge it in this financial year. Just so if you do have because if you do go over the concessional cap space, what happens if you utilize the oldest year first?\n\nSo, obviously, let's say, in theory, you have you know, you exceeded by 20,000, let's say, you would then use the twenty twenty to twenty twenty one financial year cap space. If you do it next year, like, it kind of changes and then you lose out anything that you could use for that year. It still means you still have five years, but it is often easier. You don't have to, but just make sure the money's in and we can do the notice of intent. So, typically, we do we do say it's best to have the money in and for us to lodge it.\n\nThis financial year, four is, but there is a way you you can do it after. Now each super fund processing slightly different. It depends on when you guys were thinking about it, but we're telling most people to try to do the payment and let us know this week to give the Netwealth enough time to process everything. Because even when you make the contribution, it will take a couple of days for it to actually show up in that wealth before we can then kind of change it. Does that make sense?\n\nYeah. Okay. No. No. Not as long as you do it the same way, because often what happens is, like, self employed people, for example, they would do they would just pay themselves directly from the bank account, especially if you're, like, a sole trader.\n\nSo they would like, let's say, in a monthly or weekly basis, they will put a little bit of money in from their bank account into super, and we would do the same process that at the end of the financial year, we will calculate it how much you have done, confirm that you wanna change all of it, and then we'll do it for you. Mhmm. Yes. Yes. Yeah.\n\nYep. Mhmm. Correct. Yes. It is tricky.\n\nIt does totally make sense. It is tricky because the only way to minimize that capital gains tax, which is what you would pay as a like, which would be, like, the lump sum when you're changing super funds, would be if your money is not growing or not in investments that's going to grow. So that would be, like, literally just have it sitting in cash, for example, which obviously is not something I recommend because that means your money is not gonna grow as much. So that would be kind of even if we invested in something, let's say, defensive, if it's still gonna grow, you're still gonna have to pay capital gains tax. And if we put, let's say, the 90,000 in, let's say, gold or something, then, obviously, you're heavily over invested in gold according to your risk profile.\n\nBut when you still sell it, you're still going to pay capital gains tax. It might be slightly less than if you haven't invested in higher growth options, but then you're not going to obviously grow your super as much. The buy and sell cost would still be there, so there will still be a transaction cost with buying investments and selling investments as well. Exactly. So it depends on what you are buying into it, the type of investments, but then also, obviously, how we think so if, for example, you put the 90,000 in, that now in 2,000 would be invested as per your current portfolio proportionally.\n\nSo x amount would go into keeping yeah. Yes. Exactly. Exactly. Mhmm.\n\nYes. Yes. No. Almost all of these capital gains tax because the buy and sell isn't that great. Yes.\n\nIt's the capital gains tax. Correct. Yes. Yes. It's only on the earnings.\n\nIt's, like, same when you guys sold your investment property. Like, if you earned, let's say, 50,000 on it, you would only pay the capital gains tax on the 50. You wouldn't pay it on, like, the whole amount you sold it for. It's, like, the same concept. Mhmm.\n\nYep. Correct. Correct. Yes. Yes.\n\nCorrect. There is. Yeah. So they're straight on the portal. Just make sure you choose the right one.\n\nIt is pretty clear which one it is, but sometimes people get confused because it lists, like, spousal contributions. So just make sure you you use the right number so it gets allocated correctly when it goes into your Netwealth account. Yep. Yeah. Yeah.\n\nNo. And I'm glad you did call, and I'm glad that you confirmed that the accountant have confirmed your carry forward space because sometimes I do get clients saying, oh, I wanna put a 120,000 in. My accountant said it. I was like, okay. Perfect.\n\nAnd did they run through how much space you have left? And they're like, no. I'm so sorry. Sorry. It seems like yes.\n\nYeah. Yes. Exactly. A bit of a boost. Yeah.\n\nAnd when I yeah. Yep. Correct. But it also comes into play with your investment. So that is what I was going to say.\n\nBecause you are not paying for any fees, typically, management because we wouldn't then, like, action a lot of investment trades and everything like that for you because it does take, obviously, resources, all goes even through the ongoing advice fee. And especially with the notice of intent, there is a bit of the administration side. So, typically, management would be that you would obviously sign the ongoing service agreement. Now I have told you before that it is not a lock in contract. And even if you were to sign it, we can obviously action all of these transactions and make sure that the the money is invested in as per your risk profile and everything like that, make sure it all gets correctly.\n\nNow if then, let's say, four weeks time, you decide I don't wanna do this, you can still cancel it. You don't have to like, you're not paying for a full year. It's just a monthly deduction from your account. Yes. So that just allows us to manage everything.\n\nYeah. Hesitant. Yeah. Yeah. No.\n\nNo. No. Yes. 100 percent. You can you can email me or call the office and say I don't wanna stay on anymore, and we'd cancel it.\n\nLike, there is no lock in. The twelve month is a legal requirement that we have to get you to sign. Otherwise, we can't keep charging you, but that doesn't mean you are locked in through a twelve month period. That can you can cancel it, you know, after a month, after two months. Whenever you want to, you can cancel it.\n\nYou just let us know. Yeah. Yeah. Yes. Yeah.\n\nNo problem. Do you want me to get the team to resend those docs for you so that the top of your inbox whenever you have a moment? Yeah? Okay. Beautiful.\n\nI'll get the team on that. And then if you have any issues locating what information to use for the contribution, just give the office a call and they can always direct you if you do have any issues. And even send me an email when you have made the payment because then I will let the team know to keep a lookout for the money to come in. And then when you want us to do the notice of intent, again, just send us an email who's like, yep. Cool.\n\nI've made the money. I want to proceed with the NOI, notice of intent, and then we can action that for you as well. Yep. No problem. Well, thank you so much for your time.\n\nThat's okay. We will typically send it to you when you've made the contribution. But if you want, I could get the team yeah. So that's why, like, if you send me an email to say, hey. I've made the contribution.\n\nPlease proceed with it anyway, then my admin, Whitlam, will send you that form to to or to start the process. Yeah. No problem. If there's anything else you need at any point in time, don't hesitate to give me a call. Okay?\n\nNo worries. We'll speak soon. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Candice.","start":2.0,"end":3.12,"sentiment":"neutral","sentiment_score":0.29506635665893555},{"text":"This is Veronica from Xfinity Financial.","start":3.12,"end":4.98,"sentiment":"neutral","sentiment_score":0.1981014981865883},{"text":"How are you?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.17265103260676065},{"text":"Yeah.","start":7.8399997,"end":8.16,"sentiment":"positive","sentiment_score":0.37826085090637207},{"text":"I'm good.","start":8.16,"end":8.72,"sentiment":"positive","sentiment_score":0.6286953985691071}],"sentiment":"neutral","sentiment_score":0.281827520330747,"num_words":15,"start":2.0,"end":8.72},{"sentences":[{"text":"Thanks.","start":8.72,"end":9.22,"sentiment":"positive","sentiment_score":0.7524892091751099},{"text":"I I've had you booked in for a quick catch up.","start":10.24,"end":13.2,"sentiment":"positive","sentiment_score":0.5107957991686735},{"text":"Is now still a good time for you?","start":13.2,"end":14.82,"sentiment":"positive","sentiment_score":0.43845388293266296},{"text":"Yeah.","start":16.135,"end":16.635,"sentiment":"neutral","sentiment_score":0.32305511832237244},{"text":"Mhmm.","start":59.3,"end":59.8,"sentiment":"neutral","sentiment_score":0.010636355727910995}],"sentiment":"positive","sentiment_score":0.46420752443373203,"num_words":22,"start":8.72,"end":59.8},{"sentences":[{"text":"Mhmm.","start":70.275,"end":70.775,"sentiment":"neutral","sentiment_score":0.015928592532873154},{"text":"Yep.","start":72.275,"end":72.775,"sentiment":"neutral","sentiment_score":0.043322693556547165},{"text":"Yes.","start":94.98499,"end":95.48499,"sentiment":"neutral","sentiment_score":0.01291725877672434},{"text":"Correct.","start":96.104996,"end":96.604996,"sentiment":"neutral","sentiment_score":0.061236925423145294},{"text":"Yes.","start":96.744995,"end":97.244995,"sentiment":"neutral","sentiment_score":0.045467838644981384}],"sentiment":"neutral","sentiment_score":0.03577466178685427,"num_words":5,"start":70.275,"end":97.244995},{"sentences":[{"text":"So just yeah.","start":98.505,"end":101.225,"sentiment":"neutral","sentiment_score":0.0754831141481797},{"text":"Perfect.","start":101.225,"end":101.704994,"sentiment":"neutral","sentiment_score":0.3239958584308624},{"text":"Now just before I do go any further, I have to pass you through the security just so that I can go through your information.","start":101.704994,"end":108.67,"sentiment":"neutral","sentiment_score":0.026619776599109173},{"text":"Just your first full name, date of birth, and address, please.","start":110.409996,"end":113.71,"sentiment":"neutral","sentiment_score":0.01806940163739703},{"text":"Sure.","start":127.705,"end":128.025,"sentiment":"neutral","sentiment_score":0.04352164268493652}],"sentiment":"neutral","sentiment_score":0.035566455525595966,"num_words":41,"start":98.505,"end":128.025},{"sentences":[{"text":"Just your full address as well, please.","start":128.025,"end":129.885,"sentiment":"neutral","sentiment_score":0.032010537439158986},{"text":"Yep.","start":135.89,"end":136.29,"sentiment":"positive","sentiment_score":0.41920262575149536},{"text":"Amazing.","start":136.29,"end":136.79,"sentiment":"positive","sentiment_score":0.8021081686019897},{"text":"And I do also have to let you know that the calls are being recorded for quality and coaching purposes, if that's okay.","start":137.17,"end":142.55,"sentiment":"neutral","sentiment_score":0.1793371996153956},{"text":"Yep.","start":143.905,"end":144.22499,"sentiment":"neutral","sentiment_score":0.19523149728775024}],"sentiment":"neutral","sentiment_score":0.17470823166271052,"num_words":33,"start":128.025,"end":144.22499},{"sentences":[{"text":"Yep.","start":144.22499,"end":144.625,"sentiment":"positive","sentiment_score":0.3837166726589203},{"text":"Beautiful.","start":144.625,"end":145.125,"sentiment":"positive","sentiment_score":0.7734105587005615},{"text":"Now you are exactly right, and that is often why people do a bigger lump sum contribution into super is because they have sold an investment property.","start":145.185,"end":154.805,"sentiment":"neutral","sentiment_score":0.26620498051246005},{"text":"What the process would be from an administration point of view is that you would make the contribution.","start":157.36,"end":163.94,"sentiment":"neutral","sentiment_score":0.1002358113312059},{"text":"Now I can get the team to email you your account details of how to do it because you would do it as an after tax contribution, which is just, like, from money from your bank account, which is your nonconcessional contribution.","start":164.95999,"end":179.925,"sentiment":"neutral","sentiment_score":0.11183914515588965}],"sentiment":"neutral","sentiment_score":0.16681067871578623,"num_words":89,"start":144.22499,"end":179.925},{"sentences":[{"text":"So, basically, it means after tax.","start":180.065,"end":182.13,"sentiment":"neutral","sentiment_score":0.05345425382256508},{"text":"What then happens is the notice of intent, like you mentioned, is that once you have made the contribution, we can then send you a form to change it to a concessional, so a pretax contribution, as long as you have the cap spaces for it.","start":182.85,"end":202.825,"sentiment":"neutral","sentiment_score":0.06096242623322684},{"text":"So did your accountant run through all the rules in regards to all of that?","start":202.825,"end":208.525,"sentiment":"neutral","sentiment_score":0.017369199730455875},{"text":"Mhmm.","start":219.28,"end":219.78,"sentiment":"neutral","sentiment_score":-0.023052845150232315},{"text":"Okay.","start":232.015,"end":232.49501,"sentiment":"neutral","sentiment_score":0.03634953498840332}],"sentiment":"neutral","sentiment_score":0.04925843210809905,"num_words":69,"start":180.065,"end":232.49501},{"sentences":[{"text":"And he obviously considered you not exceeding current cap spaces and legislation under the superannuation rules as well?","start":232.49501,"end":239.20001,"sentiment":"neutral","sentiment_score":-0.02040493715968397},{"text":"Because that's usually correct.","start":239.26001,"end":245.76001,"sentiment":"neutral","sentiment_score":-0.014723367989063263},{"text":"Yes.","start":245.82,"end":246.32,"sentiment":"neutral","sentiment_score":0.051575373858213425},{"text":"Perfect.","start":246.62001,"end":247.12001,"sentiment":"neutral","sentiment_score":0.26931554079055786},{"text":"Okay.","start":252.735,"end":253.235,"sentiment":"neutral","sentiment_score":0.0057102106511592865}],"sentiment":"neutral","sentiment_score":-0.003983248621225357,"num_words":25,"start":232.49501,"end":253.235},{"sentences":[{"text":"Okay.","start":258.175,"end":258.675,"sentiment":"neutral","sentiment_score":-0.0052724117413163185},{"text":"Yeah.","start":274.445,"end":274.945,"sentiment":"neutral","sentiment_score":0.04345232620835304},{"text":"Yeah.","start":277.08502,"end":277.325,"sentiment":"positive","sentiment_score":0.4180690050125122},{"text":"Perfect.","start":277.325,"end":277.825,"sentiment":"positive","sentiment_score":0.6986169815063477},{"text":"Mhmm.","start":283.965,"end":284.465,"sentiment":"neutral","sentiment_score":0.017822034657001495}],"sentiment":"neutral","sentiment_score":0.2345375871285796,"num_words":5,"start":258.175,"end":284.465},{"sentences":[{"text":"Yep.","start":293.74,"end":294.24,"sentiment":"neutral","sentiment_score":0.1595151424407959},{"text":"We we, yeah, we will then lodge it with your superannuation.","start":295.18,"end":302.475,"sentiment":"neutral","sentiment_score":0.16694220968268134},{"text":"So we will lodge it with NatWell.","start":302.695,"end":304.235,"sentiment":"neutral","sentiment_score":0.20388855465820857},{"text":"They will then process it.","start":304.935,"end":307.095,"sentiment":"neutral","sentiment_score":0.2643706828355789},{"text":"And when it's complete, they will send us a letter of acknowledgement, which we would just forward on to you, and then that is what you would bring with you to your accountant when you do your tax return.","start":307.095,"end":318.33002,"sentiment":"neutral","sentiment_score":0.2491761415432661}],"sentiment":"neutral","sentiment_score":0.22956860739560353,"num_words":63,"start":293.74,"end":318.33002},{"sentences":[{"text":"Yep.","start":320.63,"end":321.13,"sentiment":"positive","sentiment_score":0.4428510069847107},{"text":"Correct.","start":336.52002,"end":337.02002,"sentiment":"neutral","sentiment_score":0.107169471681118},{"text":"So you have to make the payment before the end of the financial year.","start":337.08002,"end":341.66,"sentiment":"neutral","sentiment_score":-0.009849891066551208},{"text":"Now it is often best to do it and lodge it in this financial year.","start":341.96,"end":347.66,"sentiment":"neutral","sentiment_score":0.11845000485579173},{"text":"Just so if you do have because if you do go over the concessional cap space, what happens if you utilize the oldest year first?","start":348.52002,"end":358.105,"sentiment":"neutral","sentiment_score":0.006782902404665947}],"sentiment":"neutral","sentiment_score":0.04211508279799351,"num_words":56,"start":320.63,"end":358.105},{"sentences":[{"text":"So, obviously, let's say, in theory, you have you know, you exceeded by 20,000, let's say, you would then use the twenty twenty to twenty twenty one financial year cap space.","start":358.805,"end":369.8,"sentiment":"neutral","sentiment_score":0.03145369118259799},{"text":"If you do it next year, like, it kind of changes and then you lose out anything that you could use for that year.","start":369.8,"end":376.52,"sentiment":"neutral","sentiment_score":-0.08075064700096846},{"text":"It still means you still have five years, but it is often easier.","start":376.52,"end":382.415,"sentiment":"neutral","sentiment_score":0.05281350690011795},{"text":"You don't have to, but just make sure the money's in and we can do the notice of intent.","start":382.415,"end":387.155,"sentiment":"neutral","sentiment_score":0.11151470655673429},{"text":"So, typically, we do we do say it's best to have the money in and for us to lodge it.","start":387.695,"end":393.78,"sentiment":"neutral","sentiment_score":0.14032767843455077}],"sentiment":"neutral","sentiment_score":0.04344820076268967,"num_words":107,"start":358.805,"end":393.78},{"sentences":[{"text":"This financial year, four is, but there is a way you you can do it after.","start":394.34,"end":400.1,"sentiment":"neutral","sentiment_score":0.12027312279678881},{"text":"Now each super fund processing slightly different.","start":400.1,"end":403.22,"sentiment":"neutral","sentiment_score":0.04049113765358925},{"text":"It depends on when you guys were thinking about it, but we're telling most people to try to do the payment and let us know this week to give the Netwealth enough time to process everything.","start":403.22,"end":417.165,"sentiment":"neutral","sentiment_score":0.09167485187451045},{"text":"Because even when you make the contribution, it will take a couple of days for it to actually show up in that wealth before we can then kind of change it.","start":417.165,"end":427.12,"sentiment":"neutral","sentiment_score":0.0018556628135904189},{"text":"Does that make sense?","start":427.12,"end":428.18,"sentiment":"neutral","sentiment_score":0.009400221519172192}],"sentiment":"neutral","sentiment_score":0.0596088194585544,"num_words":94,"start":394.34,"end":428.18},{"sentences":[{"text":"Yeah.","start":429.84,"end":430.34,"sentiment":"neutral","sentiment_score":0.0829729288816452},{"text":"Okay.","start":431.52,"end":432.02,"sentiment":"neutral","sentiment_score":0.03389759734272957},{"text":"No.","start":442.77502,"end":443.27502,"sentiment":"neutral","sentiment_score":-0.1564820408821106},{"text":"No.","start":443.49503,"end":443.89502,"sentiment":"neutral","sentiment_score":-0.14048540592193604},{"text":"Not as long as you do it the same way, because often what happens is, like, self employed people, for example, they would do they would just pay themselves directly from the bank account, especially if you're, like, a sole trader.","start":443.89502,"end":456.56998,"sentiment":"neutral","sentiment_score":0.050403773035036355}],"sentiment":"neutral","sentiment_score":0.04192128386348486,"num_words":45,"start":429.84,"end":456.56998},{"sentences":[{"text":"So they would like, let's say, in a monthly or weekly basis, they will put a little bit of money in from their bank account into super, and we would do the same process that at the end of the financial year, we will calculate it how much you have done, confirm that you wanna change all of it, and then we'll do it for you.","start":456.56998,"end":473.215,"sentiment":"neutral","sentiment_score":0.1664322101031289},{"text":"Mhmm.","start":479.61,"end":480.11,"sentiment":"neutral","sentiment_score":-0.026036402210593224},{"text":"Yes.","start":488.985,"end":489.485,"sentiment":"neutral","sentiment_score":-0.014054524712264538},{"text":"Yes.","start":492.905,"end":493.405,"sentiment":"neutral","sentiment_score":0.12188871204853058},{"text":"Yeah.","start":495.465,"end":495.965,"sentiment":"neutral","sentiment_score":0.11115728318691254}],"sentiment":"neutral","sentiment_score":0.1596782990731299,"num_words":70,"start":456.56998,"end":495.965},{"sentences":[{"text":"Yep.","start":497.465,"end":497.965,"sentiment":"neutral","sentiment_score":0.20543524622917175},{"text":"Mhmm.","start":513.785,"end":514.285,"sentiment":"neutral","sentiment_score":0.04775293171405792},{"text":"Correct.","start":519.945,"end":520.445,"sentiment":"neutral","sentiment_score":0.08801443874835968},{"text":"Yes.","start":523.305,"end":523.805,"sentiment":"neutral","sentiment_score":0.130142480134964},{"text":"It is tricky.","start":539.41504,"end":540.395,"sentiment":"neutral","sentiment_score":-0.11914222935835521}],"sentiment":"neutral","sentiment_score":0.016274058393069675,"num_words":7,"start":497.465,"end":540.395},{"sentences":[{"text":"It does totally make sense.","start":540.695,"end":542.05505,"sentiment":"neutral","sentiment_score":0.15324521511793138},{"text":"It is tricky because the only way to minimize that capital gains tax, which is what you would pay as a like, which would be, like, the lump sum when you're changing super funds, would be if your money is not growing or not in investments that's going to grow.","start":542.05505,"end":557.33,"sentiment":"neutral","sentiment_score":-0.19663968026638032},{"text":"So that would be, like, literally just have it sitting in cash, for example, which obviously is not something I recommend because that means your money is not gonna grow as much.","start":557.55,"end":566.21,"sentiment":"neutral","sentiment_score":-0.21813188260421157},{"text":"So that would be kind of even if we invested in something, let's say, defensive, if it's still gonna grow, you're still gonna have to pay capital gains tax.","start":568.485,"end":577.925,"sentiment":"neutral","sentiment_score":-0.12826937835278182},{"text":"And if we put, let's say, the 90,000 in, let's say, gold or something, then, obviously, you're heavily over invested in gold according to your risk profile.","start":577.925,"end":588.2,"sentiment":"neutral","sentiment_score":-0.04761505244230783}],"sentiment":"neutral","sentiment_score":-0.14721256342123856,"num_words":143,"start":540.695,"end":588.2},{"sentences":[{"text":"But when you still sell it, you're still going to pay capital gains tax.","start":588.5,"end":592.18,"sentiment":"neutral","sentiment_score":-0.1177721084760768},{"text":"It might be slightly less than if you haven't invested in higher growth options, but then you're not going to obviously grow your super as much.","start":592.18,"end":599.995,"sentiment":"neutral","sentiment_score":-0.13506799119596297},{"text":"The buy and sell cost would still be there, so there will still be a transaction cost with buying investments and selling investments as well.","start":600.05505,"end":608.315,"sentiment":"neutral","sentiment_score":0.04866145744919777},{"text":"Exactly.","start":625.355,"end":625.855,"sentiment":"neutral","sentiment_score":0.025965912267565727},{"text":"So it depends on what you are buying into it, the type of investments, but then also, obviously, how we think so if, for example, you put the 90,000 in, that now in 2,000 would be invested as per your current portfolio proportionally.","start":625.995,"end":643.52997,"sentiment":"neutral","sentiment_score":0.03410666176052981}],"sentiment":"neutral","sentiment_score":-0.022490720051007534,"num_words":109,"start":588.5,"end":643.52997},{"sentences":[{"text":"So x amount would go into keeping yeah.","start":644.15,"end":647.62,"sentiment":"neutral","sentiment_score":0.026298139826394618},{"text":"Yes.","start":650.935,"end":651.435,"sentiment":"neutral","sentiment_score":0.035172417759895325},{"text":"Exactly.","start":654.055,"end":654.555,"sentiment":"neutral","sentiment_score":0.030120862647891045},{"text":"Exactly.","start":656.455,"end":656.955,"sentiment":"neutral","sentiment_score":0.05875125527381897},{"text":"Mhmm.","start":663.02997,"end":663.52997,"sentiment":"neutral","sentiment_score":0.0015870649367570877}],"sentiment":"neutral","sentiment_score":0.028001393269126613,"num_words":12,"start":644.15,"end":663.52997},{"sentences":[{"text":"Yes.","start":665.43,"end":665.93,"sentiment":"neutral","sentiment_score":0.02022179216146469},{"text":"Yes.","start":669.02997,"end":669.52997,"sentiment":"neutral","sentiment_score":-0.0000254875048995018},{"text":"No.","start":670.94995,"end":671.35,"sentiment":"neutral","sentiment_score":-0.09905500710010529},{"text":"Almost all of these capital gains tax because the buy and sell isn't that great.","start":671.35,"end":675.35,"sentiment":"neutral","sentiment_score":-0.08343944226702055},{"text":"Yes.","start":675.35,"end":675.67,"sentiment":"neutral","sentiment_score":0.02665967494249344}],"sentiment":"neutral","sentiment_score":-0.06862056113191341,"num_words":19,"start":665.43,"end":675.67},{"sentences":[{"text":"It's the capital gains tax.","start":675.67,"end":677.175,"sentiment":"neutral","sentiment_score":0.08426318168640137},{"text":"Correct.","start":686.535,"end":687.035,"sentiment":"neutral","sentiment_score":0.07320920377969742},{"text":"Yes.","start":687.735,"end":688.235,"sentiment":"neutral","sentiment_score":0.13626590371131897},{"text":"Yes.","start":692.7,"end":693.2,"sentiment":"neutral","sentiment_score":0.2241847813129425},{"text":"It's only on the earnings.","start":693.58,"end":694.94,"sentiment":"neutral","sentiment_score":0.13343965113162995}],"sentiment":"neutral","sentiment_score":0.11709031176108581,"num_words":13,"start":675.67,"end":694.94},{"sentences":[{"text":"It's, like, same when you guys sold your investment property.","start":694.94,"end":697.27997,"sentiment":"neutral","sentiment_score":0.13334082514047624},{"text":"Like, if you earned, let's say, 50,000 on it, you would only pay the capital gains tax on the 50.","start":697.58,"end":704.14,"sentiment":"neutral","sentiment_score":-0.012848553573712706},{"text":"You wouldn't pay it on, like, the whole amount you sold it for.","start":704.14,"end":708.515,"sentiment":"neutral","sentiment_score":0.005468758969352797},{"text":"It's, like, the same concept.","start":708.515,"end":709.97504,"sentiment":"neutral","sentiment_score":0.09776806980371475},{"text":"Mhmm.","start":717.155,"end":717.655,"sentiment":"neutral","sentiment_score":0.018334101885557175}],"sentiment":"neutral","sentiment_score":0.03376949994767807,"num_words":49,"start":694.94,"end":717.655},{"sentences":[{"text":"Yep.","start":724.21,"end":724.69,"sentiment":"neutral","sentiment_score":0.04699757695198059},{"text":"Correct.","start":724.69,"end":725.19,"sentiment":"neutral","sentiment_score":0.05028540641069412},{"text":"Correct.","start":726.37006,"end":726.87006,"sentiment":"neutral","sentiment_score":0.1605321168899536},{"text":"Yes.","start":727.17004,"end":727.67004,"sentiment":"neutral","sentiment_score":0.14907464385032654},{"text":"Yes.","start":743.02496,"end":743.52496,"sentiment":"neutral","sentiment_score":0.02986515499651432}],"sentiment":"neutral","sentiment_score":0.08735097981989384,"num_words":5,"start":724.21,"end":743.52496},{"sentences":[{"text":"Correct.","start":747.8,"end":748.3,"sentiment":"neutral","sentiment_score":-0.035057391971349716},{"text":"There is.","start":748.6,"end":749.24,"sentiment":"neutral","sentiment_score":-0.01656522788107395},{"text":"Yeah.","start":749.24,"end":749.48,"sentiment":"neutral","sentiment_score":0.03396708518266678},{"text":"So they're straight on the portal.","start":749.48,"end":750.68,"sentiment":"neutral","sentiment_score":0.0387797619526585},{"text":"Just make sure you choose the right one.","start":750.68,"end":752.62,"sentiment":"neutral","sentiment_score":0.09560150001198053}],"sentiment":"neutral","sentiment_score":0.05351498940338691,"num_words":18,"start":747.8,"end":752.62},{"sentences":[{"text":"It is pretty clear which one it is, but sometimes people get confused because it lists, like, spousal contributions.","start":753.08,"end":759.09503,"sentiment":"neutral","sentiment_score":0.009506573704512496},{"text":"So just make sure you you use the right number so it gets allocated correctly when it goes into your Netwealth account.","start":759.395,"end":766.935,"sentiment":"neutral","sentiment_score":0.11766040951690891},{"text":"Yep.","start":769.47504,"end":769.97504,"sentiment":"neutral","sentiment_score":0.23602518439292908},{"text":"Yeah.","start":781.16,"end":781.56,"sentiment":"neutral","sentiment_score":0.18779778480529785},{"text":"Yeah.","start":781.56,"end":782.06,"sentiment":"neutral","sentiment_score":0.07722688466310501}],"sentiment":"neutral","sentiment_score":0.07432281280952421,"num_words":44,"start":753.08,"end":782.06},{"sentences":[{"text":"No.","start":782.27997,"end":782.6,"sentiment":"neutral","sentiment_score":-0.038477156311273575},{"text":"And I'm glad you did call, and I'm glad that you confirmed that the accountant have confirmed your carry forward space because sometimes I do get clients saying, oh, I wanna put a 120,000 in.","start":782.6,"end":791.215,"sentiment":"positive","sentiment_score":0.468123322725296},{"text":"My accountant said it.","start":791.215,"end":792.335,"sentiment":"neutral","sentiment_score":0.16901876777410507},{"text":"I was like, okay.","start":792.335,"end":792.895,"sentiment":"neutral","sentiment_score":0.22999881580471992},{"text":"Perfect.","start":792.895,"end":793.295,"sentiment":"positive","sentiment_score":0.4753842353820801}],"sentiment":"positive","sentiment_score":0.4092731935282548,"num_words":45,"start":782.27997,"end":793.295},{"sentences":[{"text":"And did they run through how much space you have left?","start":793.295,"end":795.375,"sentiment":"neutral","sentiment_score":0.11644447391683405},{"text":"And they're like, no.","start":795.375,"end":796.59503,"sentiment":"neutral","sentiment_score":-0.0056137891951948396},{"text":"I'm so sorry.","start":797.15,"end":798.43,"sentiment":"neutral","sentiment_score":-0.057954942186673485},{"text":"Sorry.","start":798.43,"end":798.75,"sentiment":"neutral","sentiment_score":-0.12770859897136688},{"text":"It seems like yes.","start":798.75,"end":809.01,"sentiment":"neutral","sentiment_score":0.03661661967635155}],"sentiment":"neutral","sentiment_score":0.047970743890365826,"num_words":23,"start":793.295,"end":809.01},{"sentences":[{"text":"Yeah.","start":812.65497,"end":813.15497,"sentiment":"neutral","sentiment_score":0.03215242922306061},{"text":"Yes.","start":816.575,"end":817.075,"sentiment":"neutral","sentiment_score":0.22859376668930056},{"text":"Exactly.","start":818.255,"end":818.755,"sentiment":"neutral","sentiment_score":0.3173864185810089},{"text":"A bit of a boost.","start":822.65497,"end":823.795,"sentiment":"positive","sentiment_score":0.33358927071094513},{"text":"Yeah.","start":824.39996,"end":824.89996,"sentiment":"neutral","sentiment_score":0.2954320013523102}],"sentiment":"neutral","sentiment_score":0.2823901077111562,"num_words":9,"start":812.65497,"end":824.89996},{"sentences":[{"text":"And when I yeah.","start":826.56,"end":830.74,"sentiment":"neutral","sentiment_score":-0.014769198140129447},{"text":"Yep.","start":854.35,"end":854.85,"sentiment":"neutral","sentiment_score":-0.03171239793300629},{"text":"Correct.","start":863.485,"end":863.805,"sentiment":"neutral","sentiment_score":-0.053987495601177216},{"text":"But it also comes into play with your investment.","start":863.805,"end":866.205,"sentiment":"neutral","sentiment_score":-0.05946542115675078},{"text":"So that is what I was going to say.","start":866.205,"end":867.565,"sentiment":"neutral","sentiment_score":-0.03826738769809405}],"sentiment":"neutral","sentiment_score":-0.04268216524117937,"num_words":24,"start":826.56,"end":867.565},{"sentences":[{"text":"Because you are not paying for any fees, typically, management because we wouldn't then, like, action a lot of investment trades and everything like that for you because it does take, obviously, resources, all goes even through the ongoing advice fee.","start":867.565,"end":882.36,"sentiment":"neutral","sentiment_score":0.09699790234245904},{"text":"And especially with the notice of intent, there is a bit of the administration side.","start":882.98,"end":887.56,"sentiment":"neutral","sentiment_score":0.07440946275989214},{"text":"So, typically, management would be that you would obviously sign the ongoing service agreement.","start":889.62,"end":895.865,"sentiment":"neutral","sentiment_score":0.11752758175134659},{"text":"Now I have told you before that it is not a lock in contract.","start":895.865,"end":898.765,"sentiment":"neutral","sentiment_score":0.05149608265076365},{"text":"And even if you were to sign it, we can obviously action all of these transactions and make sure that the the money is invested in as per your risk profile and everything like that, make sure it all gets correctly.","start":899.705,"end":912.64996,"sentiment":"neutral","sentiment_score":0.27809265492165963}],"sentiment":"neutral","sentiment_score":0.15088948872685432,"num_words":125,"start":867.565,"end":912.64996},{"sentences":[{"text":"Now if then, let's say, four weeks time, you decide I don't wanna do this, you can still cancel it.","start":913.91,"end":920.90497,"sentiment":"neutral","sentiment_score":-0.05820200424641371},{"text":"You don't have to like, you're not paying for a full year.","start":920.90497,"end":923.225,"sentiment":"neutral","sentiment_score":-0.015530480382343134},{"text":"It's just a monthly deduction from your account.","start":923.225,"end":925.64496,"sentiment":"neutral","sentiment_score":0.11666170135140419},{"text":"Yes.","start":926.505,"end":927.005,"sentiment":"neutral","sentiment_score":0.20160812139511108},{"text":"So that just allows us to manage everything.","start":927.785,"end":930.285,"sentiment":"neutral","sentiment_score":0.20382942561991513}],"sentiment":"neutral","sentiment_score":0.028880230360189264,"num_words":49,"start":913.91,"end":930.285},{"sentences":[{"text":"Yeah.","start":932.92,"end":933.42,"sentiment":"neutral","sentiment_score":-0.0023876093327999115},{"text":"Hesitant.","start":934.6,"end":935.1,"sentiment":"neutral","sentiment_score":-0.044100407510995865},{"text":"Yeah.","start":935.72,"end":936.22,"sentiment":"neutral","sentiment_score":-0.03137686848640442},{"text":"Yeah.","start":938.2,"end":938.7,"sentiment":"neutral","sentiment_score":-0.02005808614194393},{"text":"No.","start":939.64,"end":940.14,"sentiment":"neutral","sentiment_score":-0.14345741271972656}],"sentiment":"neutral","sentiment_score":-0.048276076838374135,"num_words":5,"start":932.92,"end":940.14},{"sentences":[{"text":"No.","start":940.76,"end":941.26,"sentiment":"neutral","sentiment_score":-0.2213285267353058},{"text":"No.","start":943.56,"end":944.06,"sentiment":"neutral","sentiment_score":-0.22932153940200808},{"text":"Yes.","start":947.845,"end":948.345,"sentiment":"neutral","sentiment_score":0.04230980947613716},{"text":"100 percent.","start":950.725,"end":951.445,"sentiment":"neutral","sentiment_score":0.06355611234903336},{"text":"You can you can email me or call the office and say I don't wanna stay on anymore, and we'd cancel it.","start":951.445,"end":956.345,"sentiment":"neutral","sentiment_score":-0.09133537689393217}],"sentiment":"neutral","sentiment_score":-0.0848372712455414,"num_words":27,"start":940.76,"end":956.345},{"sentences":[{"text":"Like, there is no lock in.","start":956.40497,"end":958.245,"sentiment":"neutral","sentiment_score":-0.03862432949244976},{"text":"The twelve month is a legal requirement that we have to get you to sign.","start":958.245,"end":962.12,"sentiment":"neutral","sentiment_score":-0.02482749745249748},{"text":"Otherwise, we can't keep charging you, but that doesn't mean you are locked in through a twelve month period.","start":962.12,"end":967.08,"sentiment":"neutral","sentiment_score":-0.11778735271409939},{"text":"That can you can cancel it, you know, after a month, after two months.","start":967.08,"end":971.0,"sentiment":"neutral","sentiment_score":-0.03573821658002479},{"text":"Whenever you want to, you can cancel it.","start":971.0,"end":973.34,"sentiment":"neutral","sentiment_score":-0.03260982746724039}],"sentiment":"neutral","sentiment_score":-0.058118254712392244,"num_words":62,"start":956.40497,"end":973.34},{"sentences":[{"text":"You just let us know.","start":973.4,"end":974.7,"sentiment":"neutral","sentiment_score":0.03731049746274948},{"text":"Yeah.","start":977.09503,"end":977.59503,"sentiment":"neutral","sentiment_score":0.1009925901889801},{"text":"Yeah.","start":983.495,"end":983.995,"sentiment":"neutral","sentiment_score":0.19371098279953003},{"text":"Yes.","start":988.55,"end":989.05,"sentiment":"neutral","sentiment_score":0.14995524287223816},{"text":"Yeah.","start":990.23,"end":990.73,"sentiment":"neutral","sentiment_score":0.18584828078746796}],"sentiment":"neutral","sentiment_score":0.09078439821799596,"num_words":9,"start":973.4,"end":990.73},{"sentences":[{"text":"No problem.","start":993.02997,"end":993.67,"sentiment":"neutral","sentiment_score":0.31329360604286194},{"text":"Do you want me to get the team to resend those docs for you so that the top of your inbox whenever you have a moment?","start":993.67,"end":999.29,"sentiment":"neutral","sentiment_score":0.1555948773255715},{"text":"Yeah?","start":1001.085,"end":1001.485,"sentiment":"neutral","sentiment_score":0.31926143169403076},{"text":"Okay.","start":1001.485,"end":1001.965,"sentiment":"positive","sentiment_score":0.5138101577758789},{"text":"Beautiful.","start":1001.965,"end":1002.445,"sentiment":"positive","sentiment_score":0.7979646921157837}],"sentiment":"neutral","sentiment_score":0.20332549368181535,"num_words":31,"start":993.02997,"end":1002.445},{"sentences":[{"text":"I'll get the team on that.","start":1002.445,"end":1003.725,"sentiment":"positive","sentiment_score":0.7279399136702219},{"text":"And then if you have any issues locating what information to use for the contribution, just give the office a call and they can always direct you if you do have any issues.","start":1003.725,"end":1015.55005,"sentiment":"neutral","sentiment_score":0.23940338600765576},{"text":"And even send me an email when you have made the payment because then I will let the team know to keep a lookout for the money to come in.","start":1015.55005,"end":1023.17004,"sentiment":"neutral","sentiment_score":0.23505149483680726},{"text":"And then when you want us to do the notice of intent, again, just send us an email who's like, yep.","start":1023.71,"end":1028.03,"sentiment":"neutral","sentiment_score":0.10195555342804818},{"text":"Cool.","start":1028.03,"end":1028.1901,"sentiment":"positive","sentiment_score":0.3750627636909485}],"sentiment":"neutral","sentiment_score":0.23995192803360604,"num_words":91,"start":1002.445,"end":1028.1901},{"sentences":[{"text":"I've made the money.","start":1028.1901,"end":1029.17,"sentiment":"neutral","sentiment_score":0.28878987580537796},{"text":"I want to proceed with the NOI, notice of intent, and then we can action that for you as well.","start":1030.235,"end":1035.375,"sentiment":"neutral","sentiment_score":0.17999794147908688},{"text":"Yep.","start":1037.0349,"end":1037.5349,"sentiment":"neutral","sentiment_score":0.3023169934749603},{"text":"No problem.","start":1038.075,"end":1038.6349,"sentiment":"neutral","sentiment_score":0.2282978743314743},{"text":"Well, thank you so much for your time.","start":1038.6349,"end":1040.335,"sentiment":"positive","sentiment_score":0.4870216865092516}],"sentiment":"neutral","sentiment_score":0.2688629876290049,"num_words":35,"start":1028.1901,"end":1040.335},{"sentences":[{"text":"That's okay.","start":1041.0349,"end":1041.855,"sentiment":"neutral","sentiment_score":0.06501274928450584},{"text":"We will typically send it to you when you've made the contribution.","start":1048.53,"end":1051.8301,"sentiment":"neutral","sentiment_score":0.06619519212593634},{"text":"But if you want, I could get the team yeah.","start":1052.05,"end":1054.29,"sentiment":"neutral","sentiment_score":0.23159578144550325},{"text":"So that's why, like, if you send me an email to say, hey.","start":1054.29,"end":1056.945,"sentiment":"neutral","sentiment_score":0.057795464562682},{"text":"I've made the contribution.","start":1056.945,"end":1058.085,"sentiment":"neutral","sentiment_score":0.1557181216776371}],"sentiment":"neutral","sentiment_score":0.11254973523318768,"num_words":41,"start":1041.0349,"end":1058.085},{"sentences":[{"text":"Please proceed with it anyway, then my admin, Whitlam, will send you that form to to or to start the process.","start":1058.3049,"end":1066.485,"sentiment":"neutral","sentiment_score":0.1191886652793203},{"text":"Yeah.","start":1068.3049,"end":1068.8049,"sentiment":"positive","sentiment_score":0.6392829418182373},{"text":"No problem.","start":1070.53,"end":1071.01,"sentiment":"positive","sentiment_score":0.5458236932754517},{"text":"If there's anything else you need at any point in time, don't hesitate to give me a call.","start":1071.01,"end":1074.29,"sentiment":"neutral","sentiment_score":0.21160216629505157},{"text":"Okay?","start":1074.29,"end":1074.79,"sentiment":"neutral","sentiment_score":0.11975361406803132}],"sentiment":"neutral","sentiment_score":0.18982523038636806,"num_words":43,"start":1058.3049,"end":1074.79},{"sentences":[{"text":"No worries.","start":1077.25,"end":1077.81,"sentiment":"positive","sentiment_score":0.34801459312438965},{"text":"We'll speak soon.","start":1077.81,"end":1078.79,"sentiment":"neutral","sentiment_score":0.27511508266131085},{"text":"Bye.","start":1080.29,"end":1080.79,"sentiment":"neutral","sentiment_score":-0.12196233868598938}],"sentiment":"neutral","sentiment_score":0.23323534925778708,"num_words":6,"start":1077.25,"end":1080.79}]}}]},{"alternatives":[{"transcript":"Hello. Kendra speaking. Good. How are you going? That's good. Yeah. Great. Thank you. I just wanted to basically ask so in a nutshell, we we need to make some additional I think they call it concessional contributions or something into our super sort of basically be sold an investment property this financial year. So in order to I guess, we've in speaking with our accountant, in order to kind of bring down our capital gains tax bill, I guess, if we make sort of some contributions to our super, it sort of in any way, help it it helps us in relation to tax. But I just wanted to know, I've not really done this before. So it's a large sum. We're looking at probably about, like so sorry. Me, I'm looking at making about about $90,000 contribution into my super. And I just wanted to know, first of all, the process. I just wanted to make sure I had this conversation before end of financial year, like, to make sure I kind of, I guess, do it the right way. But do you know I guess if I make a contribution and then I I believe there's, like, a a notice of intent that I have to get back from you from you? Okay. So what's the process for that? Yeah. Sure. It's Candice Candice Ellensworth sorry. One second. Candice Candice Ann Ellensworth, twenty seventh of the fifth eighty three. I'm sorry. What else did you say you wanted? Yep. 40 Harriet Drive, Burley Waters, Queensland 4220. Yeah. No problem. Right. Okay. Yes. Key. My vehicle. Yeah. Yeah. So, yeah, basically, he went through with me the, I guess, the amount that we that sorry. This is just in relation to me. The the amount that I need to pay and yeah. In in relation to the like, I guess, my my taxable income and how much we sell the property for and everything. Oh, sorry. Yeah. I think he mentioned yeah. It's like a like, that's the five year thing. Right? Yeah. And the $3,030,000. Yeah. 30,000. But so he's he's basically given me the figure of, like yeah. So, basically, yeah, with that in in relation to that, and then, obviously, what I've already contribute what my employer has contributed this year. So, you know, say, you know, it's about 11,000. So I'm kind of, you know, utilizing, like, the utilizing, like, the 20 oh, you know, whatever I have left, 19 thousand I have left. Yeah. Yep. And and then so I don't know if we we spoke about oh, sorry. No. And then so just to keep on that then. So then in terms of the notice of intent so yeah. So you'll send me the form. I fill that out once, obviously, I've made the payments. And oh, sorry. Go on. Yep. Yeah. Okay. Right. Great. And then and that's so and I am I right in that that doesn't have to be I mean, I wanna get it all going anyway, but it doesn't actually have to be done beef the notice of intent before end of financial year, or or should it be? Yeah. Yep. Right. Yes. Yep. Yeah. Right. Yes. Okay. Yeah. Yeah. Sure. Yeah. Sure. Okay. Yeah. No. For sure. No. Definitely. Yep. No. For sure. And is there any issue or any issue in terms of I'll I'll have to see how it works from my bank, but is there any issue if I make several payments as opposed to one payment? Yep. Okay. Yes. Yes. Right. Yep. Yep. Okay. Yep. Great. And then when the money goes through, like because obviously, it's a significant amount of money. What I guess because, Veronica, I don't know if you remember my I'll I'll sort of catch up or whatever. I was kind of still kind of considering what I was kind of gonna do long term and whether it was sort of, you know, right for me. So I I I guess, you know, I'm I'm to be completely transparent, like, if I was to look at moving funds in the future, I guess I wanna maybe minimize, like, the sale cost or whatever. Like, you know, how we were talking about how you, like, you know, you know, it costs x amount of money to kind of, I guess, essentially change the funds because of buying and just selling and all that kind of stuff. So, like, what where does that like, is there a way that I can, I I I guess, have like, that 90,000 can go, I guess, to a a portion of my super that I guess that that that would minimize that? Does that make sense? Alright. Right. Yes. Yes. Yes. Right. Okay. So what would I be looking at, like, in terms of buying? Like, is that like, is it just like a like a cap cost? Like, say, $90,000 worth of buying something? Like or or or does it depends on what is it, like, a percentage of or or does it depend on what you're buying? Right. So yeah. So is it at the moment, the portfolio is, like, 10 this, 10%, 20 percent this. It just typically gets divvy up the way that my current portfolio is. Right. Okay. And and then the bulk of the fee, like, I think you said, like, I'd probably be looking at about, like, 3 or $4, you know, at the time. Is the bulk of that capital gains tax or is that more the buying and selling? Okay. Okay. So that's really convenient. And then so okay. So, essentially, that's that's good to know because I was thinking, like yeah. So, essentially, it's tax that I'm paying on money that I've actually earned, though. Yeah. Okay. So it's like it's one of those things. It's like it's a good thing in the sense that, you know, you're you've earned money kinda thing. Right. Yeah. Yeah. Sure. Okay. So it's yeah. So this 90,000 gets put in or whatever and whatever, like, that 90,000 makes, say, in the next six six months, if I decide to move down the track, then I'm if it's made $10, I'm paying capital gains on that $10 in relation to the 90,000. Yeah. Yeah. Yeah. Okay. Cool. No. That's fine. Okay. No problem. Okay. Great. And then and then in terms of where's the best place to get the like, I like, because I just I literally transfer into a into, like, a bank account, right, as if I'm paying a a bank account. Oh, I get that online. So when I get that in my portal, don't I? There's an actual BSP and an account number isn't there. Yep. Okay. Yeah. Okay. Perfect. Yeah. Will do. Okay. Awesome. Alright. Thank you. Thanks for, like, talking me through that. As I said, it's a a decent amount of money, so I just wanted to make sure I was, like, doing the right protocol and following, you know, the right steps and stuff. Yeah. Yeah. Yeah. Yeah. Yeah. I wish we could put I wish we could put on time to get more in, actually, because we're still we're still it's not it's not eliminating the you know, we still have a a decent tax bill at the end of it. But, like, I'm glad that at the end of the day, I would prefer to put into my super and have that money grow than than pay than pay the tax man more money. Right? So, yeah, so it will be good long term, and it will be good to give that super balance a nice a nice boost. Yeah. A nice boost as well. Yeah. And then, sorry, so one last, oh, sorry. While I have you, Veronica, one last question because I'm just yeah. There's just a a bit with with the selling of an investment property, and there's just been a bit going on that I haven't actually really, you know, invested the time in just having a really good think about super and stuff. But so at the moment, I'm basically just set I do wanna get it sorted in the next few months whether and make a call on whether I stay or not or whatever I do. But so at the moment, I'm basically I'm just not getting any sort of financial guidance, isn't it? Because I haven't signed the agreement yet. Yeah. Sure. Right. Okay. Yes. Oh, okay. Right. Okay. That's good to know. Yeah. I was thinking kind of like I think that's what was making me hold on because I was thinking, like, it was I was like, well, no. Yeah. Because I was thinking I was, like, committing to, like, four 12 months of and if I decide to change, then so that's fine then. I'll I'll sign that. And then if it's knowing that that's not, like, I can kind of come back to I can circle back to it at a later stage. Yeah. Yeah. Yeah. Yeah. Yeah. And look, I'm not necessarily sure. I mean, like, it's I've I've been I I have been monitoring it really closely, and it seems to be performing a bit better at the moment, which is good to see. So yeah. So I just yeah. But that's that's good. I'm just gonna monitor it a bit closely and see how we go. But yeah. Okay. And I thank you so much for your help. Yeah. That would be great. Amazing. Yes. Okay. Good. Okay. Amazing. Sounds good. Okay. Thank you. No problem. Sorry. Sorry. One second. Did you say you were gonna send through the notice of intent form, or do I just get that from the website? Oh, okay. Yes. Great. Perfect. Yep. Yep. Okay. Perfect. Awesome. Okay. Thank you so much. Okay. Will do. Thanks, Veronica. 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Kendra speaking. Good. How are you going? That's good.\n\nYeah. Great. Thank you. I just wanted to basically ask so in a nutshell, we we need to make some additional I think they call it concessional contributions or something into our super sort of basically be sold an investment property this financial year. So in order to I guess, we've in speaking with our accountant, in order to kind of bring down our capital gains tax bill, I guess, if we make sort of some contributions to our super, it sort of in any way, help it it helps us in relation to tax.\n\nBut I just wanted to know, I've not really done this before. So it's a large sum. We're looking at probably about, like so sorry. Me, I'm looking at making about about $90,000 contribution into my super. And I just wanted to know, first of all, the process.\n\nI just wanted to make sure I had this conversation before end of financial year, like, to make sure I kind of, I guess, do it the right way. But do you know I guess if I make a contribution and then I I believe there's, like, a a notice of intent that I have to get back from you from you? Okay. So what's the process for that? Yeah.\n\nSure. It's Candice Candice Ellensworth sorry. One second. Candice Candice Ann Ellensworth, twenty seventh of the fifth eighty three. I'm sorry.\n\nWhat else did you say you wanted? Yep. 40 Harriet Drive, Burley Waters, Queensland 4220. Yeah. No problem.\n\nRight. Okay. Yes. Key. My vehicle.\n\nYeah. Yeah. So, yeah, basically, he went through with me the, I guess, the amount that we that sorry. This is just in relation to me. The the amount that I need to pay and yeah.\n\nIn in relation to the like, I guess, my my taxable income and how much we sell the property for and everything. Oh, sorry. Yeah. I think he mentioned yeah. It's like a like, that's the five year thing.\n\nRight? Yeah. And the $3,030,000. Yeah. 30,000.\n\nBut so he's he's basically given me the figure of, like yeah. So, basically, yeah, with that in in relation to that, and then, obviously, what I've already contribute what my employer has contributed this year. So, you know, say, you know, it's about 11,000. So I'm kind of, you know, utilizing, like, the utilizing, like, the 20 oh, you know, whatever I have left, 19 thousand I have left. Yeah.\n\nYep. And and then so I don't know if we we spoke about oh, sorry. No. And then so just to keep on that then. So then in terms of the notice of intent so yeah.\n\nSo you'll send me the form. I fill that out once, obviously, I've made the payments. And oh, sorry. Go on. Yep.\n\nYeah. Okay. Right. Great. And then and that's so and I am I right in that that doesn't have to be I mean, I wanna get it all going anyway, but it doesn't actually have to be done beef the notice of intent before end of financial year, or or should it be?\n\nYeah. Yep. Right. Yes. Yep.\n\nYeah. Right. Yes. Okay. Yeah.\n\nYeah. Sure. Yeah. Sure. Okay.\n\nYeah. No. For sure. No. Definitely.\n\nYep. No. For sure. And is there any issue or any issue in terms of I'll I'll have to see how it works from my bank, but is there any issue if I make several payments as opposed to one payment? Yep.\n\nOkay. Yes. Yes. Right. Yep.\n\nYep. Okay. Yep. Great. And then when the money goes through, like because obviously, it's a significant amount of money.\n\nWhat I guess because, Veronica, I don't know if you remember my I'll I'll sort of catch up or whatever. I was kind of still kind of considering what I was kind of gonna do long term and whether it was sort of, you know, right for me. So I I I guess, you know, I'm I'm to be completely transparent, like, if I was to look at moving funds in the future, I guess I wanna maybe minimize, like, the sale cost or whatever. Like, you know, how we were talking about how you, like, you know, you know, it costs x amount of money to kind of, I guess, essentially change the funds because of buying and just selling and all that kind of stuff. So, like, what where does that like, is there a way that I can, I I I guess, have like, that 90,000 can go, I guess, to a a portion of my super that I guess that that that would minimize that?\n\nDoes that make sense? Alright. Right. Yes. Yes.\n\nYes. Right. Okay. So what would I be looking at, like, in terms of buying? Like, is that like, is it just like a like a cap cost?\n\nLike, say, $90,000 worth of buying something? Like or or or does it depends on what is it, like, a percentage of or or does it depend on what you're buying? Right. So yeah. So is it at the moment, the portfolio is, like, 10 this, 10%, 20 percent this.\n\nIt just typically gets divvy up the way that my current portfolio is. Right. Okay. And and then the bulk of the fee, like, I think you said, like, I'd probably be looking at about, like, 3 or $4, you know, at the time. Is the bulk of that capital gains tax or is that more the buying and selling?\n\nOkay. Okay. So that's really convenient. And then so okay. So, essentially, that's that's good to know because I was thinking, like yeah.\n\nSo, essentially, it's tax that I'm paying on money that I've actually earned, though. Yeah. Okay. So it's like it's one of those things. It's like it's a good thing in the sense that, you know, you're you've earned money kinda thing.\n\nRight. Yeah. Yeah. Sure. Okay.\n\nSo it's yeah. So this 90,000 gets put in or whatever and whatever, like, that 90,000 makes, say, in the next six six months, if I decide to move down the track, then I'm if it's made $10, I'm paying capital gains on that $10 in relation to the 90,000. Yeah. Yeah. Yeah.\n\nOkay. Cool. No. That's fine. Okay.\n\nNo problem. Okay. Great. And then and then in terms of where's the best place to get the like, I like, because I just I literally transfer into a into, like, a bank account, right, as if I'm paying a a bank account. Oh, I get that online.\n\nSo when I get that in my portal, don't I? There's an actual BSP and an account number isn't there. Yep. Okay. Yeah.\n\nOkay. Perfect. Yeah. Will do. Okay.\n\nAwesome. Alright. Thank you. Thanks for, like, talking me through that. As I said, it's a a decent amount of money, so I just wanted to make sure I was, like, doing the right protocol and following, you know, the right steps and stuff.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nI wish we could put I wish we could put on time to get more in, actually, because we're still we're still it's not it's not eliminating the you know, we still have a a decent tax bill at the end of it. But, like, I'm glad that at the end of the day, I would prefer to put into my super and have that money grow than than pay than pay the tax man more money. Right? So, yeah, so it will be good long term, and it will be good to give that super balance a nice a nice boost. Yeah.\n\nA nice boost as well. Yeah. And then, sorry, so one last, oh, sorry. While I have you, Veronica, one last question because I'm just yeah. There's just a a bit with with the selling of an investment property, and there's just been a bit going on that I haven't actually really, you know, invested the time in just having a really good think about super and stuff.\n\nBut so at the moment, I'm basically just set I do wanna get it sorted in the next few months whether and make a call on whether I stay or not or whatever I do. But so at the moment, I'm basically I'm just not getting any sort of financial guidance, isn't it? Because I haven't signed the agreement yet. Yeah. Sure.\n\nRight. Okay. Yes. Oh, okay. Right.\n\nOkay. That's good to know. Yeah. I was thinking kind of like I think that's what was making me hold on because I was thinking, like, it was I was like, well, no. Yeah.\n\nBecause I was thinking I was, like, committing to, like, four 12 months of and if I decide to change, then so that's fine then. I'll I'll sign that. And then if it's knowing that that's not, like, I can kind of come back to I can circle back to it at a later stage. Yeah. Yeah.\n\nYeah. Yeah. Yeah. And look, I'm not necessarily sure. I mean, like, it's I've I've been I I have been monitoring it really closely, and it seems to be performing a bit better at the moment, which is good to see.\n\nSo yeah. So I just yeah. But that's that's good. I'm just gonna monitor it a bit closely and see how we go. But yeah.\n\nOkay. And I thank you so much for your help. Yeah. That would be great. Amazing.\n\nYes. Okay. Good. Okay. Amazing.\n\nSounds good. Okay. Thank you. No problem. Sorry.\n\nSorry. One second. Did you say you were gonna send through the notice of intent form, or do I just get that from the website? Oh, okay. Yes.\n\nGreat. Perfect. Yep. Yep. Okay.\n\nPerfect. Awesome. Okay. Thank you so much. Okay.\n\nWill do. Thanks, Veronica. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.0308169387280941},{"text":"Kendra speaking.","start":0.48,"end":1.46,"sentiment":"neutral","sentiment_score":0.02762172557413578},{"text":"Good.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.40812990069389343},{"text":"How are you going?","start":6.64,"end":7.54,"sentiment":"neutral","sentiment_score":0.2809342257678509},{"text":"That's good.","start":9.92,"end":10.82,"sentiment":"positive","sentiment_score":0.7096577286720276}],"sentiment":"neutral","sentiment_score":0.30372426509857176,"num_words":10,"start":0.16,"end":10.82},{"sentences":[{"text":"Yeah.","start":15.254999,"end":15.754999,"sentiment":"neutral","sentiment_score":0.23003649711608887},{"text":"Great.","start":16.455,"end":16.775,"sentiment":"positive","sentiment_score":0.656066358089447},{"text":"Thank you.","start":16.775,"end":17.515,"sentiment":"positive","sentiment_score":0.6687847971916199},{"text":"I just wanted to basically ask so in a nutshell, we we need to make some additional I think they call it concessional contributions or something into our super sort of basically be sold an investment property this financial year.","start":18.535,"end":41.34,"sentiment":"neutral","sentiment_score":0.11405061585828662},{"text":"So in order to I guess, we've in speaking with our accountant, in order to kind of bring down our capital gains tax bill, I guess, if we make sort of some contributions to our super, it sort of in any way, help it it helps us in relation to tax.","start":41.34,"end":58.71,"sentiment":"neutral","sentiment_score":0.11618596834002756}],"sentiment":"neutral","sentiment_score":0.13380191020275417,"num_words":95,"start":15.254999,"end":58.71},{"sentences":[{"text":"But I just wanted to know, I've not really done this before.","start":59.41,"end":62.15,"sentiment":"neutral","sentiment_score":-0.015830013745774824},{"text":"So it's a large sum.","start":62.61,"end":63.57,"sentiment":"neutral","sentiment_score":-0.038550838083028796},{"text":"We're looking at probably about, like so sorry.","start":63.57,"end":65.97,"sentiment":"neutral","sentiment_score":-0.02186374389566481},{"text":"Me, I'm looking at making about about $90,000 contribution into my super.","start":65.97,"end":72.784996,"sentiment":"neutral","sentiment_score":0.02842147834599018},{"text":"And I just wanted to know, first of all, the process.","start":74.765,"end":77.905,"sentiment":"neutral","sentiment_score":0.05368792096322233}],"sentiment":"neutral","sentiment_score":0.007791678421199322,"num_words":48,"start":59.41,"end":77.905},{"sentences":[{"text":"I just wanted to make sure I had this conversation before end of financial year, like, to make sure I kind of, I guess, do it the right way.","start":78.685,"end":84.685,"sentiment":"neutral","sentiment_score":0.06627769318634066},{"text":"But do you know I guess if I make a contribution and then I I believe there's, like, a a notice of intent that I have to get back from you from you?","start":84.685,"end":96.28,"sentiment":"neutral","sentiment_score":0.011891431598500772},{"text":"Okay.","start":98.5,"end":98.82,"sentiment":"neutral","sentiment_score":0.03473293036222458},{"text":"So what's the process for that?","start":98.82,"end":100.68,"sentiment":"neutral","sentiment_score":0.03370210248976946},{"text":"Yeah.","start":114.81,"end":115.049995,"sentiment":"neutral","sentiment_score":0.0336538590490818}],"sentiment":"neutral","sentiment_score":0.03692956785006182,"num_words":70,"start":78.685,"end":115.049995},{"sentences":[{"text":"Sure.","start":115.049995,"end":115.369995,"sentiment":"neutral","sentiment_score":0.0296190083026886},{"text":"It's Candice Candice Ellensworth sorry.","start":115.369995,"end":120.49,"sentiment":"neutral","sentiment_score":0.011021190695464611},{"text":"One second.","start":120.49,"end":121.229996,"sentiment":"neutral","sentiment_score":0.005842139944434166},{"text":"Candice Candice Ann Ellensworth, twenty seventh of the fifth eighty three.","start":122.09,"end":125.71,"sentiment":"neutral","sentiment_score":0.010132152968170967},{"text":"I'm sorry.","start":125.85,"end":126.17,"sentiment":"neutral","sentiment_score":-0.024501382373273373}],"sentiment":"neutral","sentiment_score":0.007564769503438757,"num_words":21,"start":115.049995,"end":126.17},{"sentences":[{"text":"What else did you say you wanted?","start":126.17,"end":127.71,"sentiment":"neutral","sentiment_score":-0.0022260512092283796},{"text":"Yep.","start":130.125,"end":130.36499,"sentiment":"neutral","sentiment_score":0.02779238298535347},{"text":"40 Harriet Drive, Burley Waters, Queensland 4220.","start":130.36499,"end":135.425,"sentiment":"neutral","sentiment_score":0.015948699920305183},{"text":"Yeah.","start":142.98999,"end":143.31,"sentiment":"neutral","sentiment_score":0.1320730745792389},{"text":"No problem.","start":143.31,"end":143.97,"sentiment":"neutral","sentiment_score":0.2268623784184456}],"sentiment":"neutral","sentiment_score":0.03942493085439006,"num_words":18,"start":126.17,"end":143.97},{"sentences":[{"text":"Right.","start":155.655,"end":155.89499,"sentiment":"neutral","sentiment_score":0.14070239663124084},{"text":"Okay.","start":155.89499,"end":156.39499,"sentiment":"neutral","sentiment_score":0.1300416886806488},{"text":"Yes.","start":187.31499,"end":187.81499,"sentiment":"neutral","sentiment_score":0.06675100326538086},{"text":"Key.","start":205.86,"end":206.34,"sentiment":"neutral","sentiment_score":-0.0015308866277337074},{"text":"My 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yeah.","start":218.555,"end":224.46,"sentiment":"neutral","sentiment_score":-0.029669825546443464}],"sentiment":"neutral","sentiment_score":-0.02299050487474435,"num_words":36,"start":209.435,"end":224.46},{"sentences":[{"text":"In in relation to the like, I guess, my my taxable income and how much we sell the property for and everything.","start":224.46,"end":231.68001,"sentiment":"neutral","sentiment_score":0.017219455912709236},{"text":"Oh, sorry.","start":239.05501,"end":239.615,"sentiment":"neutral","sentiment_score":-0.038865409791469574},{"text":"Yeah.","start":239.615,"end":239.85501,"sentiment":"neutral","sentiment_score":-0.017788153141736984},{"text":"I think he mentioned yeah.","start":239.85501,"end":241.21501,"sentiment":"neutral","sentiment_score":-0.008232004381716252},{"text":"It's like a like, that's the five year thing.","start":241.21501,"end":244.255,"sentiment":"neutral","sentiment_score":-0.01359978173342016}],"sentiment":"neutral","sentiment_score":0.0030705384575785734,"num_words":39,"start":224.46,"end":244.255},{"sentences":[{"text":"Right?","start":244.255,"end":244.755,"sentiment":"neutral","sentiment_score":0.012295221909880638},{"text":"Yeah.","start":246.095,"end":246.57501,"sentiment":"neutral","sentiment_score":0.06278268992900848},{"text":"And the $3,030,000.","start":246.57501,"end":248.47,"sentiment":"neutral","sentiment_score":0.10727814088265102},{"text":"Yeah.","start":248.47,"end":248.62999,"sentiment":"neutral","sentiment_score":0.031608376652002335},{"text":"30,000.","start":248.62999,"end":249.26999,"sentiment":"neutral","sentiment_score":0.028146818280220032}],"sentiment":"neutral","sentiment_score":0.06523821848843779,"num_words":7,"start":244.255,"end":249.26999},{"sentences":[{"text":"But so he's he's basically given me the figure of, like yeah.","start":249.26999,"end":254.39,"sentiment":"neutral","sentiment_score":0.0025664077450831733},{"text":"So, basically, yeah, with that in in relation to that, and then, obviously, what I've already contribute what my employer has contributed this year.","start":254.39,"end":262.845,"sentiment":"neutral","sentiment_score":-0.00003321561962366097},{"text":"So, you know, say, you know, it's about 11,000.","start":263.70502,"end":266.745,"sentiment":"neutral","sentiment_score":0.0128850479506784},{"text":"So I'm kind of, you know, utilizing, like, the utilizing, like, the 20 oh, you know, whatever I have left, 19 thousand I have left.","start":266.745,"end":275.85,"sentiment":"neutral","sentiment_score":0.04462075866758823},{"text":"Yeah.","start":276.17,"end":276.67,"sentiment":"neutral","sentiment_score":0.23464752733707428}],"sentiment":"neutral","sentiment_score":0.02107227667116783,"num_words":71,"start":249.26999,"end":276.67},{"sentences":[{"text":"Yep.","start":277.61002,"end":278.01,"sentiment":"neutral","sentiment_score":0.33067020773887634},{"text":"And and then so I don't know if we we spoke about oh, sorry.","start":278.01,"end":281.77002,"sentiment":"neutral","sentiment_score":-0.005759609730115959},{"text":"No.","start":281.77002,"end":281.93,"sentiment":"neutral","sentiment_score":-0.10901582986116408},{"text":"And then so just to keep on that then.","start":281.93,"end":283.53,"sentiment":"neutral","sentiment_score":-0.020834446988172002},{"text":"So then in terms of the notice of intent so yeah.","start":283.53,"end":289.29,"sentiment":"neutral","sentiment_score":0.030460278926925224}],"sentiment":"neutral","sentiment_score":0.008015913526631065,"num_words":36,"start":277.61002,"end":289.29},{"sentences":[{"text":"So you'll send me the form.","start":289.29,"end":290.41,"sentiment":"neutral","sentiment_score":0.09829151878754298},{"text":"I fill that out once, obviously, I've made the payments.","start":290.41,"end":293.285,"sentiment":"neutral","sentiment_score":0.10756235048174859},{"text":"And oh, sorry.","start":295.02502,"end":297.02502,"sentiment":"neutral","sentiment_score":0.07100502277414004},{"text":"Go on.","start":297.02502,"end":297.685,"sentiment":"neutral","sentiment_score":0.09610169008374214},{"text":"Yep.","start":305.26,"end":305.76,"sentiment":"neutral","sentiment_score":0.28320297598838806}],"sentiment":"neutral","sentiment_score":0.10699063827368346,"num_words":22,"start":289.29,"end":305.76},{"sentences":[{"text":"Yeah.","start":312.38,"end":312.88,"sentiment":"neutral","sentiment_score":0.2641420364379883},{"text":"Okay.","start":319.285,"end":319.685,"sentiment":"neutral","sentiment_score":0.26260608434677124},{"text":"Right.","start":319.685,"end":320.00497,"sentiment":"positive","sentiment_score":0.41091814637184143},{"text":"Great.","start":320.00497,"end":320.50497,"sentiment":"positive","sentiment_score":0.7104560136795044},{"text":"And then and that's so and I am I right in that that doesn't have to be I mean, I wanna get it all going anyway, but it doesn't actually have to be done beef the notice of intent before end of financial year, or or should it 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then when the money goes through, like because obviously, it's a significant amount of money.","start":475.065,"end":479.41998,"sentiment":"neutral","sentiment_score":0.1781138253863901}],"sentiment":"neutral","sentiment_score":0.20878123622387648,"num_words":20,"start":473.625,"end":479.41998},{"sentences":[{"text":"What I guess because, Veronica, I don't know if you remember my I'll I'll sort of catch up or whatever.","start":480.44,"end":488.52,"sentiment":"neutral","sentiment_score":-0.11180048175156117},{"text":"I was kind of still kind of considering what I was kind of gonna do long term and whether it was sort of, you know, right for me.","start":488.52,"end":497.035,"sentiment":"neutral","sentiment_score":0.0666905916961176},{"text":"So I I I guess, you know, I'm I'm to be completely transparent, like, if I was to look at moving funds in the future, I guess I wanna maybe minimize, like, the sale cost or whatever.","start":499.015,"end":512.66003,"sentiment":"neutral","sentiment_score":0.19133753369788867},{"text":"Like, you know, how we were talking about how you, like, you know, you know, it costs x amount of money to kind of, I guess, essentially change the funds because of buying and just selling and all that kind of stuff.","start":512.66003,"end":522.815,"sentiment":"neutral","sentiment_score":0.05303878851589702},{"text":"So, like, what where does that like, is there a way that I can, I I I guess, have like, that 90,000 can go, I guess, to a a portion of my super that I guess that that that would minimize that?","start":522.95496,"end":537.62,"sentiment":"neutral","sentiment_score":0.07424080779864675}],"sentiment":"neutral","sentiment_score":0.07134058416859639,"num_words":169,"start":480.44,"end":537.62},{"sentences":[{"text":"Does that make sense?","start":539.44,"end":540.5,"sentiment":"neutral","sentiment_score":-0.12917925044894218},{"text":"Alright.","start":561.735,"end":562.235,"sentiment":"neutral","sentiment_score":-0.16460967063903809},{"text":"Right.","start":567.33,"end":567.83,"sentiment":"neutral","sentiment_score":-0.07050233334302902},{"text":"Yes.","start":582.205,"end":582.705,"sentiment":"neutral","sentiment_score":0.0223383828997612},{"text":"Yes.","start":589.165,"end":589.65,"sentiment":"neutral","sentiment_score":-0.0388488695025444}],"sentiment":"neutral","sentiment_score":-0.09604243654757738,"num_words":8,"start":539.44,"end":589.65},{"sentences":[{"text":"Yes.","start":597.25,"end":597.65,"sentiment":"neutral","sentiment_score":-0.08237732201814651},{"text":"Right.","start":597.65,"end":598.15,"sentiment":"neutral","sentiment_score":-0.12343040108680724},{"text":"Okay.","start":608.735,"end":609.135,"sentiment":"neutral","sentiment_score":0.025338461622595787},{"text":"So what would I be looking at, like, in terms of buying?","start":609.135,"end":611.855,"sentiment":"neutral","sentiment_score":0.025691894503931206},{"text":"Like, is that like, is it just like a like a cap cost?","start":611.855,"end":614.815,"sentiment":"neutral","sentiment_score":0.00906792189925909}],"sentiment":"neutral","sentiment_score":0.008775587759113737,"num_words":28,"start":597.25,"end":614.815},{"sentences":[{"text":"Like, say, $90,000 worth of buying something?","start":614.815,"end":617.375,"sentiment":"neutral","sentiment_score":0.013989923122738088},{"text":"Like or or or does it depends on what is it, like, a percentage of or or does it depend on what you're buying?","start":617.375,"end":624.32,"sentiment":"neutral","sentiment_score":0.005010112821764778},{"text":"Right.","start":644.83496,"end":645.07495,"sentiment":"neutral","sentiment_score":0.03675588220357895},{"text":"So yeah.","start":645.07495,"end":647.35,"sentiment":"neutral","sentiment_score":0.035378457978367805},{"text":"So is it at the moment, the portfolio is, like, 10 this, 10%, 20 percent this.","start":647.35,"end":651.35,"sentiment":"neutral","sentiment_score":0.030392731889151037}],"sentiment":"neutral","sentiment_score":0.01623937355936505,"num_words":50,"start":614.815,"end":651.35},{"sentences":[{"text":"It just typically gets divvy up the way that my current portfolio is.","start":651.35,"end":656.01,"sentiment":"neutral","sentiment_score":0.031203850673941467},{"text":"Right.","start":656.31,"end":656.63,"sentiment":"neutral","sentiment_score":0.06015653163194656},{"text":"Okay.","start":656.63,"end":657.11,"sentiment":"neutral","sentiment_score":0.04914082586765289},{"text":"And and then the bulk of the fee, like, I think you said, like, I'd probably be looking at about, like, 3 or $4, you know, at the time.","start":657.11,"end":664.85504,"sentiment":"neutral","sentiment_score":0.01922588130651877},{"text":"Is the bulk of that capital gains tax or is that more the buying and selling?","start":666.195,"end":670.455,"sentiment":"neutral","sentiment_score":-0.003740838437806815}],"sentiment":"neutral","sentiment_score":0.016877409319082895,"num_words":60,"start":651.35,"end":670.455},{"sentences":[{"text":"Okay.","start":674.03503,"end":674.53503,"sentiment":"neutral","sentiment_score":-0.14374953508377075},{"text":"Okay.","start":676.05,"end":676.37,"sentiment":"neutral","sentiment_score":0.06167226657271385},{"text":"So that's really convenient.","start":676.37,"end":677.83,"sentiment":"neutral","sentiment_score":0.20110474154353142},{"text":"And then so okay.","start":678.05,"end":678.93,"sentiment":"neutral","sentiment_score":0.17299433425068855},{"text":"So, essentially, that's that's good to know because I was thinking, like yeah.","start":678.93,"end":682.69,"sentiment":"neutral","sentiment_score":0.2124482078047899}],"sentiment":"neutral","sentiment_score":0.18157155374469963,"num_words":23,"start":674.03503,"end":682.69},{"sentences":[{"text":"So, essentially, it's tax that I'm paying on money that I've actually earned, though.","start":682.69,"end":686.07,"sentiment":"neutral","sentiment_score":0.04315759973334415},{"text":"Yeah.","start":687.58496,"end":687.82495,"sentiment":"neutral","sentiment_score":0.09149045497179031},{"text":"Okay.","start":687.82495,"end":688.305,"sentiment":"neutral","sentiment_score":0.18789559602737427},{"text":"So it's like it's one of those things.","start":688.305,"end":690.06494,"sentiment":"neutral","sentiment_score":0.32007433101534843},{"text":"It's like it's a good thing in the sense that, you know, you're you've earned money kinda thing.","start":690.06494,"end":694.805,"sentiment":"positive","sentiment_score":0.3447703818480174}],"sentiment":"neutral","sentiment_score":0.2297631897298353,"num_words":42,"start":682.69,"end":694.805},{"sentences":[{"text":"Right.","start":695.90497,"end":696.40497,"sentiment":"neutral","sentiment_score":0.12321949750185011},{"text":"Yeah.","start":697.82495,"end":698.32495,"sentiment":"neutral","sentiment_score":0.051725707948207855},{"text":"Yeah.","start":707.66003,"end":708.16003,"sentiment":"neutral","sentiment_score":0.0745781809091568},{"text":"Sure.","start":708.22003,"end":708.72003,"sentiment":"neutral","sentiment_score":0.1548846960067749},{"text":"Okay.","start":708.78,"end":709.10004,"sentiment":"neutral","sentiment_score":0.08683305233716965}],"sentiment":"neutral","sentiment_score":0.09824822694063187,"num_words":5,"start":695.90497,"end":709.10004},{"sentences":[{"text":"So it's yeah.","start":709.10004,"end":710.7,"sentiment":"neutral","sentiment_score":0.08790441850821178},{"text":"So this 90,000 gets put in or whatever and whatever, like, that 90,000 makes, say, in the next six six months, if I decide to move down the track, then I'm if it's made $10, I'm paying capital gains on that $10 in relation to the 90,000.","start":710.7,"end":725.855,"sentiment":"neutral","sentiment_score":0.04556429919172475},{"text":"Yeah.","start":725.855,"end":726.09503,"sentiment":"neutral","sentiment_score":0.07025855779647827},{"text":"Yeah.","start":726.09503,"end":726.255,"sentiment":"neutral","sentiment_score":0.08213213086128235},{"text":"Yeah.","start":726.255,"end":726.575,"sentiment":"neutral","sentiment_score":0.10830534994602203}],"sentiment":"neutral","sentiment_score":0.05030059162527323,"num_words":53,"start":709.10004,"end":726.575},{"sentences":[{"text":"Okay.","start":726.575,"end":726.815,"sentiment":"neutral","sentiment_score":0.2093612849712372},{"text":"Cool.","start":726.815,"end":727.315,"sentiment":"neutral","sentiment_score":0.3079136610031128},{"text":"No.","start":727.455,"end":727.695,"sentiment":"neutral","sentiment_score":0.02332320809364319},{"text":"That's fine.","start":727.695,"end":728.415,"sentiment":"neutral","sentiment_score":0.0811851155012846},{"text":"Okay.","start":728.415,"end":728.895,"sentiment":"neutral","sentiment_score":0.14350199699401855}],"sentiment":"neutral","sentiment_score":0.1410783970107635,"num_words":6,"start":726.575,"end":728.895},{"sentences":[{"text":"No problem.","start":728.895,"end":729.555,"sentiment":"neutral","sentiment_score":0.21871039271354675},{"text":"Okay.","start":730.42004,"end":730.82,"sentiment":"positive","sentiment_score":0.3417937755584717},{"text":"Great.","start":730.82,"end":731.06006,"sentiment":"positive","sentiment_score":0.558334469795227},{"text":"And then and then in terms of where's the best place to get the like, I like, because I just I literally transfer into a into, like, a bank account, right, as if I'm paying a a bank account.","start":731.06006,"end":742.12006,"sentiment":"neutral","sentiment_score":0.0997027901884837},{"text":"Oh, I get that online.","start":742.55505,"end":743.67505,"sentiment":"neutral","sentiment_score":0.030258338898420334}],"sentiment":"neutral","sentiment_score":0.11202603213799496,"num_words":48,"start":728.895,"end":743.67505},{"sentences":[{"text":"So when I get that in my portal, don't I?","start":743.67505,"end":745.67505,"sentiment":"neutral","sentiment_score":-0.004162449995055795},{"text":"There's an actual BSP and an account number isn't there.","start":745.67505,"end":748.335,"sentiment":"neutral","sentiment_score":-0.05713555663824081},{"text":"Yep.","start":749.35504,"end":749.85504,"sentiment":"neutral","sentiment_score":0.0470937043428421},{"text":"Okay.","start":750.075,"end":750.575,"sentiment":"neutral","sentiment_score":0.03954531624913216},{"text":"Yeah.","start":767.52997,"end":767.85,"sentiment":"neutral","sentiment_score":0.13234227895736694}],"sentiment":"neutral","sentiment_score":-0.01713038116450543,"num_words":23,"start":743.67505,"end":767.85},{"sentences":[{"text":"Okay.","start":767.85,"end":768.17,"sentiment":"neutral","sentiment_score":0.26670023798942566},{"text":"Perfect.","start":768.17,"end":768.65,"sentiment":"positive","sentiment_score":0.5024359822273254},{"text":"Yeah.","start":768.65,"end":768.89,"sentiment":"positive","sentiment_score":0.35814380645751953},{"text":"Will do.","start":768.89,"end":769.455,"sentiment":"positive","sentiment_score":0.45635370910167694},{"text":"Okay.","start":770.41504,"end":770.73505,"sentiment":"positive","sentiment_score":0.4155048727989197}],"sentiment":"positive","sentiment_score":0.4092487196127574,"num_words":6,"start":767.85,"end":770.73505},{"sentences":[{"text":"Awesome.","start":770.73505,"end":771.215,"sentiment":"positive","sentiment_score":0.6140878200531006},{"text":"Alright.","start":771.215,"end":771.695,"sentiment":"positive","sentiment_score":0.5629394054412842},{"text":"Thank you.","start":771.695,"end":772.435,"sentiment":"positive","sentiment_score":0.7127761840820312},{"text":"Thanks for, like, talking me through that.","start":772.895,"end":774.495,"sentiment":"positive","sentiment_score":0.684520559651511},{"text":"As I said, it's a a decent amount of money, so I just wanted to make sure I was, like, doing the right protocol and following, you know, the right steps and stuff.","start":774.495,"end":781.47504,"sentiment":"positive","sentiment_score":0.48930455066941003}],"sentiment":"positive","sentiment_score":0.5350289473479445,"num_words":44,"start":770.73505,"end":781.47504},{"sentences":[{"text":"Yeah.","start":795.87,"end":796.19,"sentiment":"neutral","sentiment_score":-0.015804721042513847},{"text":"Yeah.","start":796.19,"end":796.43,"sentiment":"neutral","sentiment_score":0.02489902451634407},{"text":"Yeah.","start":796.43,"end":796.93,"sentiment":"neutral","sentiment_score":0.03321458399295807},{"text":"Yeah.","start":797.07,"end":797.57,"sentiment":"neutral","sentiment_score":0.02092607505619526},{"text":"Yeah.","start":798.245,"end":798.40497,"sentiment":"neutral","sentiment_score":-0.04771556705236435}],"sentiment":"neutral","sentiment_score":0.00310387909412384,"num_words":5,"start":795.87,"end":798.40497},{"sentences":[{"text":"I wish we could put I wish we could put on time to get more in, actually, because we're still we're still it's not it's not eliminating the you know, we still have a a decent tax bill at the end of it.","start":798.40497,"end":807.925,"sentiment":"neutral","sentiment_score":-0.03500384412879168},{"text":"But, like, I'm glad that at the end of the day, I would prefer to put into my super and have that money grow than than pay than pay the tax man more money.","start":807.925,"end":815.58997,"sentiment":"neutral","sentiment_score":0.29824958062347245},{"text":"Right?","start":815.58997,"end":816.07,"sentiment":"neutral","sentiment_score":0.09387587010860445},{"text":"So, yeah, so it will be good long term, and it will be good to give that super balance a nice a nice boost.","start":816.07,"end":823.76996,"sentiment":"positive","sentiment_score":0.5018956114848455},{"text":"Yeah.","start":823.91,"end":824.23,"sentiment":"neutral","sentiment_score":0.24122560024261477}],"sentiment":"neutral","sentiment_score":0.20403802514220903,"num_words":103,"start":798.40497,"end":824.23},{"sentences":[{"text":"A nice boost as well.","start":824.23,"end":825.43,"sentiment":"neutral","sentiment_score":0.3196956694126129},{"text":"Yeah.","start":825.43,"end":825.93,"sentiment":"neutral","sentiment_score":0.07243366539478302},{"text":"And then, sorry, so one last, oh, sorry.","start":826.31,"end":828.52496,"sentiment":"neutral","sentiment_score":-0.016110240248963237},{"text":"While I have you, Veronica, one last question because I'm just yeah.","start":828.52496,"end":832.46497,"sentiment":"neutral","sentiment_score":-0.028785491827875376},{"text":"There's just a a bit with with the selling of an investment property, and there's just been a bit going on that I haven't actually really, you know, invested the time in just having a really good think about super and stuff.","start":832.52496,"end":843.62,"sentiment":"neutral","sentiment_score":-0.07126932697636741}],"sentiment":"neutral","sentiment_score":-0.02642216977170285,"num_words":68,"start":824.23,"end":843.62},{"sentences":[{"text":"But so at the moment, I'm basically just set I do wanna get it sorted in the next few months whether and make a call on whether I stay or not or whatever I do.","start":843.68,"end":853.86,"sentiment":"neutral","sentiment_score":-0.0009422245834554945},{"text":"But so at the moment, I'm basically I'm just not getting any sort of financial guidance, isn't it?","start":854.0,"end":860.495,"sentiment":"neutral","sentiment_score":-0.17514940392639902},{"text":"Because I haven't signed the agreement yet.","start":860.495,"end":862.835,"sentiment":"neutral","sentiment_score":-0.19611753949097224},{"text":"Yeah.","start":879.46,"end":879.78,"sentiment":"neutral","sentiment_score":0.18036124110221863},{"text":"Sure.","start":879.78,"end":880.28,"sentiment":"neutral","sentiment_score":0.23520931601524353}],"sentiment":"neutral","sentiment_score":-0.06682127984541078,"num_words":62,"start":843.68,"end":880.28},{"sentences":[{"text":"Right.","start":888.175,"end":888.495,"sentiment":"neutral","sentiment_score":0.13474205136299133},{"text":"Okay.","start":888.495,"end":888.995,"sentiment":"neutral","sentiment_score":0.11990046501159668},{"text":"Yes.","start":914.07,"end":914.57,"sentiment":"neutral","sentiment_score":0.15160274505615234},{"text":"Oh, okay.","start":924.755,"end":925.575,"sentiment":"neutral","sentiment_score":0.1562948003411293},{"text":"Right.","start":926.275,"end":926.59503,"sentiment":"neutral","sentiment_score":0.18098405003547668}],"sentiment":"neutral","sentiment_score":0.1499698186914126,"num_words":6,"start":888.175,"end":926.59503},{"sentences":[{"text":"Okay.","start":926.59503,"end":927.09503,"sentiment":"neutral","sentiment_score":0.20270055532455444},{"text":"That's good to know.","start":928.115,"end":928.915,"sentiment":"positive","sentiment_score":0.546817235648632},{"text":"Yeah.","start":928.915,"end":929.075,"sentiment":"neutral","sentiment_score":0.11828994750976562},{"text":"I was thinking kind of like I think that's what was making me hold on because I was thinking, like, it was I was like, well, no.","start":929.075,"end":937.13,"sentiment":"neutral","sentiment_score":-0.041228342042477044},{"text":"Yeah.","start":937.13,"end":937.45,"sentiment":"neutral","sentiment_score":-0.0700133740901947}],"sentiment":"neutral","sentiment_score":0.03897296577034628,"num_words":34,"start":926.59503,"end":937.45},{"sentences":[{"text":"Because I was thinking I was, like, committing to, like, four 12 months of and if I decide to change, then so that's fine then.","start":937.45,"end":944.49,"sentiment":"neutral","sentiment_score":-0.08420028127729892},{"text":"I'll I'll sign that.","start":944.49,"end":945.45,"sentiment":"neutral","sentiment_score":0.09965199045836926},{"text":"And then if it's knowing that that's not, like, I can kind of come back to I can circle back to it at a later stage.","start":945.45,"end":950.905,"sentiment":"neutral","sentiment_score":-0.015416198481733982},{"text":"Yeah.","start":950.905,"end":951.405,"sentiment":"neutral","sentiment_score":0.08157999813556671},{"text":"Yeah.","start":956.905,"end":957.405,"sentiment":"neutral","sentiment_score":0.04908121004700661}],"sentiment":"neutral","sentiment_score":-0.03467647407792116,"num_words":57,"start":937.45,"end":957.405},{"sentences":[{"text":"Yeah.","start":972.885,"end":973.28503,"sentiment":"neutral","sentiment_score":0.041814085096120834},{"text":"Yeah.","start":973.28503,"end":973.445,"sentiment":"neutral","sentiment_score":0.0598929300904274},{"text":"Yeah.","start":973.445,"end":973.765,"sentiment":"neutral","sentiment_score":0.07402607798576355},{"text":"And look, I'm not necessarily sure.","start":973.765,"end":975.525,"sentiment":"neutral","sentiment_score":-0.0060545895248651505},{"text":"I mean, like, it's I've I've been I I have been monitoring it really closely, and it seems to be performing a bit better at the moment, which is good to see.","start":975.525,"end":983.36505,"sentiment":"neutral","sentiment_score":0.22523063202243065}],"sentiment":"neutral","sentiment_score":0.1791898970912415,"num_words":41,"start":972.885,"end":983.36505},{"sentences":[{"text":"So yeah.","start":983.36505,"end":984.80505,"sentiment":"neutral","sentiment_score":0.16237620264291763},{"text":"So I just yeah.","start":984.80505,"end":985.525,"sentiment":"neutral","sentiment_score":0.11776885762810707},{"text":"But that's that's good.","start":985.525,"end":986.45996,"sentiment":"positive","sentiment_score":0.4740680940449238},{"text":"I'm just gonna monitor it a bit closely and see how we go.","start":986.45996,"end":989.33997,"sentiment":"neutral","sentiment_score":0.16813751482046568},{"text":"But yeah.","start":989.33997,"end":990.3,"sentiment":"neutral","sentiment_score":0.11994514241814613}],"sentiment":"neutral","sentiment_score":0.2047111275792122,"num_words":25,"start":983.36505,"end":990.3},{"sentences":[{"text":"Okay.","start":990.3,"end":990.62,"sentiment":"neutral","sentiment_score":0.274539589881897},{"text":"And I thank you so much for your help.","start":990.62,"end":992.88,"sentiment":"positive","sentiment_score":0.7136905093987783},{"text":"Yeah.","start":999.715,"end":999.955,"sentiment":"neutral","sentiment_score":0.30614256858825684},{"text":"That would be great.","start":999.955,"end":1001.015,"sentiment":"positive","sentiment_score":0.6250911802053452},{"text":"Amazing.","start":1002.515,"end":1003.015,"sentiment":"positive","sentiment_score":0.8305314779281616}],"sentiment":"positive","sentiment_score":0.6459245588630438,"num_words":16,"start":990.3,"end":1003.015},{"sentences":[{"text":"Yes.","start":1019.13,"end":1019.63,"sentiment":"neutral","sentiment_score":0.2164809852838516},{"text":"Okay.","start":1023.69,"end":1024.01,"sentiment":"neutral","sentiment_score":0.1940227746963501},{"text":"Good.","start":1024.01,"end":1024.51,"sentiment":"neutral","sentiment_score":0.2901414632797241},{"text":"Okay.","start":1035.7649,"end":1036.245,"sentiment":"neutral","sentiment_score":0.2585417628288269},{"text":"Amazing.","start":1036.245,"end":1036.745,"sentiment":"positive","sentiment_score":0.5458377599716187}],"sentiment":"neutral","sentiment_score":0.30100494921207427,"num_words":5,"start":1019.13,"end":1036.745},{"sentences":[{"text":"Sounds good.","start":1036.8049,"end":1037.625,"sentiment":"positive","sentiment_score":0.3536974787712097},{"text":"Okay.","start":1038.885,"end":1039.385,"sentiment":"neutral","sentiment_score":0.3188520669937134},{"text":"Thank you.","start":1039.445,"end":1040.2649,"sentiment":"positive","sentiment_score":0.5750317573547363},{"text":"No problem.","start":1041.0599,"end":1041.7,"sentiment":"neutral","sentiment_score":0.0761578120291233},{"text":"Sorry.","start":1041.7,"end":1042.1,"sentiment":"neutral","sentiment_score":-0.03374317288398743}],"sentiment":"neutral","sentiment_score":0.2868603738024831,"num_words":8,"start":1036.8049,"end":1042.1},{"sentences":[{"text":"Sorry.","start":1042.1,"end":1042.58,"sentiment":"neutral","sentiment_score":-0.04371168836951256},{"text":"One second.","start":1042.58,"end":1043.22,"sentiment":"neutral","sentiment_score":-0.012645794544368982},{"text":"Did you say you were gonna send through the notice of intent form, or do I just get that from the website?","start":1043.22,"end":1047.72,"sentiment":"neutral","sentiment_score":0.001075408040461215},{"text":"Oh, okay.","start":1052.0199,"end":1052.6599,"sentiment":"neutral","sentiment_score":0.06641349010169506},{"text":"Yes.","start":1052.6599,"end":1052.8999,"sentiment":"neutral","sentiment_score":0.12821203470230105}],"sentiment":"neutral","sentiment_score":0.007703382654913835,"num_words":28,"start":1042.1,"end":1052.8999},{"sentences":[{"text":"Great.","start":1052.8999,"end":1053.14,"sentiment":"positive","sentiment_score":0.5964388251304626},{"text":"Perfect.","start":1053.14,"end":1053.64,"sentiment":"positive","sentiment_score":0.5576519966125488},{"text":"Yep.","start":1059.145,"end":1059.645,"sentiment":"neutral","sentiment_score":0.10849504172801971},{"text":"Yep.","start":1060.3451,"end":1060.8451,"sentiment":"neutral","sentiment_score":0.05277197062969208},{"text":"Okay.","start":1067.14,"end":1067.54,"sentiment":"positive","sentiment_score":0.4287777245044708}],"sentiment":"positive","sentiment_score":0.3488271117210388,"num_words":5,"start":1052.8999,"end":1067.54},{"sentences":[{"text":"Perfect.","start":1067.54,"end":1068.04,"sentiment":"positive","sentiment_score":0.8276861310005188},{"text":"Awesome.","start":1068.1,"end":1068.58,"sentiment":"positive","sentiment_score":0.8283312320709229},{"text":"Okay.","start":1068.58,"end":1068.9,"sentiment":"positive","sentiment_score":0.6180784106254578},{"text":"Thank you so much.","start":1068.9,"end":1070.12,"sentiment":"positive","sentiment_score":0.8469239771366119},{"text":"Okay.","start":1075.0969,"end":1075.497,"sentiment":"neutral","sentiment_score":0.15957747399806976}],"sentiment":"positive","sentiment_score":0.7276711445301771,"num_words":8,"start":1067.54,"end":1075.497},{"sentences":[{"text":"Will do.","start":1075.497,"end":1075.9769,"sentiment":"neutral","sentiment_score":0.31675103306770325},{"text":"Thanks, Veronica.","start":1075.9769,"end":1076.717,"sentiment":"positive","sentiment_score":0.6466295719146729},{"text":"Bye.","start":1079.177,"end":1079.677,"sentiment":"neutral","sentiment_score":0.20318977534770968}],"sentiment":"positive","sentiment_score":0.42599019706249236,"num_words":5,"start":1075.497,"end":1079.677}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Kendra speaking.\n\nChannel 0: Good afternoon, Candice. This is Veronica from Xfinity Financial. How are you?\n\nChannel 1: Good. How are you going?\n\nChannel 0: Yeah. I'm good. Thanks.\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: good.\n\nChannel 0: I've had you booked in for a quick catch up. Is now still a good time for you?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Great. Thank you. I just wanted to basically ask so in a nutshell, we we need to make some additional I think they call it concessional contributions or something into our super sort of basically be sold an investment property this financial year. So in order to I guess, we've in speaking with our accountant, in order to kind of bring down our capital gains tax bill, I guess, if we make sort of some contributions to our super, it sort of in any way, help it it helps us in relation to tax.\n\nChannel 0: Mhmm.\n\nChannel 1: But I just wanted to know, I've not really done this before. So it's a large sum. We're looking at probably about, like so sorry. Me, I'm looking at making about about $90,000\n\nChannel 0: Mhmm.\n\nChannel 1: contribution into my\n\nChannel 0: Yep.\n\nChannel 1: super. And I just wanted to know, first of all, the process. I just wanted to make sure I had this conversation before end of financial year, like, to make sure I kind of, I guess, do it the right way. But do you know I guess if I make a contribution and then I I believe there's, like, a a notice of intent that I have to get back from you from\n\nChannel 0: Yes.\n\nChannel 1: you?\n\nChannel 0: Correct. Yes.\n\nChannel 1: Okay.\n\nChannel 0: So\n\nChannel 1: So what's\n\nChannel 0: just\n\nChannel 1: the process for that?\n\nChannel 0: yeah. Perfect. Now just before I do go any further, I have to pass you through the security just so that I can go through your information. Just your first full name, date of birth, and address, please.\n\nChannel 1: Yeah. Sure. It's Candice Candice Ellensworth sorry. One second. Candice Candice Ann Ellensworth, twenty seventh of the fifth eighty three.\n\nI'm sorry. What else did you say you wanted?\n\nChannel 0: Sure. Just your full address as well, please.\n\nChannel 1: Yep. 40 Harriet Drive, Burley Waters, Queensland 4220.\n\nChannel 0: Yep. Amazing. And I do also have to let you know that the calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yeah. No problem.\n\nChannel 0: Yep. Yep. Beautiful. Now you are exactly right, and that is often why people do a bigger lump sum contribution into super is because they have sold an investment property.\n\nChannel 1: Right. Okay.\n\nChannel 0: What the process would be from an administration point of view is that you would make the contribution. Now I can get the team to email you your account details of how to do it because you would do it as an after tax contribution, which is just, like, from money from your bank account, which is your nonconcessional contribution. So, basically, it means after tax. What then happens is the notice of intent, like you mentioned, is that once\n\nChannel 1: Yes.\n\nChannel 0: you have made the contribution, we can then send you a form to change it to a concessional, so a pretax contribution, as long as you have the cap spaces for it. So did your accountant run through all the\n\nChannel 1: Key.\n\nChannel 0: rules\n\nChannel 1: My vehicle.\n\nChannel 0: in regards to all of that?\n\nChannel 1: Yeah. Yeah. So, yeah, basically, he went through with me the, I guess, the amount that we that sorry. This is just in relation to me. The the amount that\n\nChannel 0: Mhmm.\n\nChannel 1: I need to pay and yeah. In in relation to the like, I guess, my my taxable income and how much we sell the property for and everything.\n\nChannel 0: Okay. And he obviously considered you not exceeding current cap spaces and legislation under the superannuation rules as well?\n\nChannel 1: Oh,\n\nChannel 0: Because\n\nChannel 1: sorry.\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: usually\n\nChannel 1: I think he mentioned yeah. It's like a like, that's the five year thing. Right?\n\nChannel 0: correct. Yes.\n\nChannel 1: Yeah. And\n\nChannel 0: Perfect.\n\nChannel 1: the $3,030,000. Yeah. 30,000. But so he's he's basically given me the figure of,\n\nChannel 0: Okay.\n\nChannel 1: like yeah. So, basically, yeah, with that in in relation to that, and then, obviously, what I've\n\nChannel 0: Okay.\n\nChannel 1: already contribute what my employer has contributed this year. So, you know, say, you know, it's about 11,000. So I'm kind of, you know, utilizing, like, the utilizing, like, the 20 oh, you know, whatever I have left, 19\n\nChannel 0: Yeah.\n\nChannel 1: thousand I have left. Yeah.\n\nChannel 0: Yeah. Perfect.\n\nChannel 1: Yep. And and then so I don't know if we we spoke about oh, sorry. No. And then so just to keep on that then. So then\n\nChannel 0: Mhmm.\n\nChannel 1: in terms of the notice of intent so yeah. So you'll send me the form. I fill that out once, obviously, I've made the payments.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: We\n\nChannel 1: oh, sorry.\n\nChannel 0: we,\n\nChannel 1: Go on.\n\nChannel 0: yeah, we will then lodge it with your superannuation. So we will lodge it with NatWell. They will\n\nChannel 1: Yep.\n\nChannel 0: then process it. And when it's complete, they will send us a letter of acknowledgement, which we would\n\nChannel 1: Yeah.\n\nChannel 0: just forward on to you, and then that is what you would bring with you to your accountant when you do your tax return.\n\nChannel 1: Okay. Right. Great.\n\nChannel 0: Yep.\n\nChannel 1: And then and that's so and I am I right in that that doesn't have to be I mean, I wanna get it all going anyway, but it doesn't actually have to be done beef the notice of intent before end of financial year, or or should it be?\n\nChannel 0: Correct. So you have to make the payment before the end of the financial year. Now\n\nChannel 1: Yeah.\n\nChannel 0: it is often best to do it and lodge it in this financial year. Just\n\nChannel 1: Yep.\n\nChannel 0: so if you do have because if you do go over the concessional cap space, what happens if you utilize the oldest year first? So,\n\nChannel 1: Right.\n\nChannel 0: obviously,\n\nChannel 1: Yes.\n\nChannel 0: let's say, in theory, you have you know, you exceeded by 20,000, let's say, you would\n\nChannel 1: Yep.\n\nChannel 0: then use the twenty twenty to twenty twenty one financial year cap space. If you do it next year, like, it kind of changes and then you lose out anything that you could use for that year. It still means you still have\n\nChannel 1: Yeah.\n\nChannel 0: five\n\nChannel 1: Right.\n\nChannel 0: years, but it is often easier. You don't have to, but just make sure the money's in and we can do the notice of intent. So,\n\nChannel 1: Yes.\n\nChannel 0: typically,\n\nChannel 1: Okay.\n\nChannel 0: we do we do say it's best to have the money in and for us to lodge it. This\n\nChannel 1: Yeah.\n\nChannel 0: financial year, four is, but\n\nChannel 1: Yeah.\n\nChannel 0: there is\n\nChannel 1: Sure.\n\nChannel 0: a way you you can do it after. Now each super fund processing slightly different. It depends on when you guys were thinking about it, but we're telling most people to try to do the payment and let us know this week\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Sure.\n\nChannel 0: give the Netwealth enough time to process everything. Because even when you make\n\nChannel 1: Okay.\n\nChannel 0: the contribution, it will take a couple of days for it to actually show up in that wealth before\n\nChannel 1: Yeah.\n\nChannel 0: we can\n\nChannel 1: No.\n\nChannel 0: then\n\nChannel 1: For sure.\n\nChannel 0: kind of change it. Does that make sense?\n\nChannel 1: No. Definitely. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: No. For sure.\n\nChannel 0: Okay.\n\nChannel 1: And is there any issue or any issue in terms of I'll I'll have to see how it works from my bank, but is there any issue if I make several payments as opposed to one payment?\n\nChannel 0: No. No. Not as\n\nChannel 1: Yep.\n\nChannel 0: long as\n\nChannel 1: Okay.\n\nChannel 0: you do it the same way, because often what happens is, like, self employed people, for example,\n\nChannel 1: Yes.\n\nChannel 0: they would do they would just pay themselves directly from the bank account, especially if you're, like, a\n\nChannel 1: Yes.\n\nChannel 0: sole trader. So they would like, let's say, in a monthly or weekly basis, they will put a little bit of money in from their bank account into\n\nChannel 1: Right.\n\nChannel 0: super, and we would do the same process that at the end of the financial year, we will calculate it how much you have done, confirm that\n\nChannel 1: Yep.\n\nChannel 0: you wanna change all of it, and then we'll do it for you.\n\nChannel 1: Yep. Okay. Yep. Great. And then when the money goes through, like because obviously, it's a significant amount of money.\n\nChannel 0: Mhmm.\n\nChannel 1: What I guess because, Veronica, I don't know if you remember my I'll I'll sort of catch up or whatever. I was kind\n\nChannel 0: Yes.\n\nChannel 1: of still kind of considering what I was kind of gonna do long term\n\nChannel 0: Yes.\n\nChannel 1: and whether it was sort of, you\n\nChannel 0: Yeah.\n\nChannel 1: know, right for me.\n\nChannel 0: Yep.\n\nChannel 1: So I I I guess, you know, I'm I'm to be completely transparent, like, if I was to look at moving funds in the future, I guess I wanna maybe minimize, like, the sale cost or whatever. Like, you know, how we were talking\n\nChannel 0: Mhmm.\n\nChannel 1: about how you, like, you know, you know, it costs x amount of money to kind of, I guess, essentially change the funds because\n\nChannel 0: Correct.\n\nChannel 1: of buying and just selling and all that kind of stuff. So, like,\n\nChannel 0: Yes.\n\nChannel 1: what where does that like, is there a way that I can, I I I guess, have like, that 90,000 can go, I guess, to a a portion of my super that I guess that that that would minimize that?\n\nChannel 0: It\n\nChannel 1: Does\n\nChannel 0: is\n\nChannel 1: that make\n\nChannel 0: tricky.\n\nChannel 1: sense?\n\nChannel 0: It does totally make sense. It is tricky because the only way to minimize that capital gains tax, which is what you would pay as a like, which would be, like, the lump sum when you're changing super funds, would be if your money is not growing or not in investments that's going to grow. So that would be, like, literally just have it sitting in cash, for example, which obviously is not something\n\nChannel 1: Alright.\n\nChannel 0: I recommend because that means your money is not gonna grow as much.\n\nChannel 1: Right.\n\nChannel 0: So that would be kind of even if we invested in something, let's say, defensive, if it's still gonna grow, you're still gonna have to pay capital gains tax. And if we put, let's say, the 90,000 in, let's say, gold or something,\n\nChannel 1: Yes.\n\nChannel 0: then, obviously, you're heavily over invested in gold according to your risk profile. But when you still\n\nChannel 1: Yes.\n\nChannel 0: sell it, you're still going to pay capital gains tax. It might be slightly less than if you haven't invested in higher growth options, but then you're\n\nChannel 1: Yes.\n\nChannel 0: not going\n\nChannel 1: Right.\n\nChannel 0: to obviously grow your super as much. The buy and sell cost would still be there, so there will still be a transaction cost with buying investments and selling investments as well.\n\nChannel 1: Okay. So what would I be looking at, like, in terms of buying? Like, is that like, is it just like a like a cap cost? Like, say, $90,000 worth of buying something? Like or or or does it depends on what is it, like, a percentage of or or does it depend on what you're buying?\n\nChannel 0: Exactly. So it depends on what you are buying into it, the type of investments, but then also, obviously, how we think so if, for example, you put the 90,000 in, that now in 2,000 would be invested as per your current portfolio proportionally. So x amount\n\nChannel 1: Right.\n\nChannel 0: would\n\nChannel 1: So\n\nChannel 0: go into keeping\n\nChannel 1: yeah.\n\nChannel 0: yeah.\n\nChannel 1: So is it at the moment, the portfolio is, like, 10 this, 10%, 20\n\nChannel 0: Yes.\n\nChannel 1: percent this. It just typically gets divvy up the way\n\nChannel 0: Exactly.\n\nChannel 1: that my current portfolio is. Right.\n\nChannel 0: Exactly.\n\nChannel 1: Okay. And and then the bulk of the fee, like, I think you said, like, I'd probably be looking at about, like, 3 or $4,\n\nChannel 0: Mhmm.\n\nChannel 1: you know, at the time.\n\nChannel 0: Yes.\n\nChannel 1: Is the bulk of that capital gains tax or is that\n\nChannel 0: Yes.\n\nChannel 1: more the buying and selling?\n\nChannel 0: No. Almost all of these capital gains tax because the buy and sell\n\nChannel 1: Okay.\n\nChannel 0: isn't that great. Yes. It's the capital\n\nChannel 1: Okay. So\n\nChannel 0: gains\n\nChannel 1: that's\n\nChannel 0: tax.\n\nChannel 1: really convenient. And then so okay. So, essentially, that's that's good to know because I was thinking, like yeah. So, essentially, it's tax that I'm paying on money that I've actually earned, though.\n\nChannel 0: Correct.\n\nChannel 1: Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Okay. So it's like it's one of those things. It's like it's a good thing in the sense that, you know,\n\nChannel 0: Yes.\n\nChannel 1: you're you've earned money\n\nChannel 0: It's only\n\nChannel 1: kinda\n\nChannel 0: on\n\nChannel 1: thing.\n\nChannel 0: the earnings. It's, like, same when you guys sold\n\nChannel 1: Right.\n\nChannel 0: your investment property. Like,\n\nChannel 1: Yeah.\n\nChannel 0: if you earned, let's say, 50,000 on it, you would only pay the capital gains tax on the 50. You wouldn't pay it on, like, the whole amount you sold it\n\nChannel 1: Yeah. Sure.\n\nChannel 0: for. It's,\n\nChannel 1: Okay.\n\nChannel 0: like, the\n\nChannel 1: So\n\nChannel 0: same\n\nChannel 1: it's\n\nChannel 0: concept.\n\nChannel 1: yeah. So this 90,000 gets put in or whatever and whatever, like, that 90,000 makes, say, in the next six six months, if\n\nChannel 0: Mhmm.\n\nChannel 1: I decide to move down the track, then I'm if it's made $10, I'm paying capital gains on that $10\n\nChannel 0: Yep.\n\nChannel 1: in relation\n\nChannel 0: Correct.\n\nChannel 1: to the 90,000. Yeah. Yeah. Yeah.\n\nChannel 0: Correct.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Yes.\n\nChannel 1: No. That's fine. Okay. No problem. Okay.\n\nGreat. And then and then in terms of where's the best place to get the like, I like, because I just I literally transfer into a into, like, a bank account, right, as if I'm paying a a bank account. Oh, I get\n\nChannel 0: Yes.\n\nChannel 1: that online. So when I get that in my portal, don't I? There's an actual BSP and an account number isn't\n\nChannel 0: Correct.\n\nChannel 1: there.\n\nChannel 0: There is. Yeah.\n\nChannel 1: Yep.\n\nChannel 0: So they're straight on\n\nChannel 1: Okay.\n\nChannel 0: the portal. Just make sure you choose the right one. It is pretty clear which one it is, but sometimes people get confused because it lists, like, spousal contributions. So just make sure you you use the right number so it gets allocated correctly when it goes into your Netwealth account.\n\nChannel 1: Yeah. Okay. Perfect. Yeah. Will do.\n\nChannel 0: Yep.\n\nChannel 1: Okay. Awesome. Alright. Thank you. Thanks for, like, talking me through that.\n\nAs I said, it's a a decent amount of money, so I just wanted to make sure I was, like, doing the right protocol and following, you know, the right steps and stuff.\n\nChannel 0: Yeah. Yeah. No. And I'm glad you did call, and I'm glad that you confirmed that the accountant have confirmed your carry forward space because sometimes I do get clients saying, oh, I wanna put a 120,000 in. My accountant said it.\n\nI was like, okay. Perfect. And did they run through how much space you have left? And they're like,\n\nChannel 1: Yeah.\n\nChannel 0: no.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: I'm so sorry.\n\nChannel 1: Yeah. I\n\nChannel 0: Sorry.\n\nChannel 1: wish we\n\nChannel 0: It\n\nChannel 1: could\n\nChannel 0: seems\n\nChannel 1: put\n\nChannel 0: like\n\nChannel 1: I wish we could put on time to get more in, actually, because we're still we're still it's not it's not eliminating the you know, we still have a a decent tax bill at the end of it. But, like, I'm\n\nChannel 0: yes.\n\nChannel 1: glad that at the end of the day, I would prefer to put into my super and have that money grow than\n\nChannel 0: Yeah.\n\nChannel 1: than pay than pay the tax man more money. Right? So,\n\nChannel 0: Yes.\n\nChannel 1: yeah, so it will be\n\nChannel 0: Exactly.\n\nChannel 1: good long term, and it will be good to give that super balance a nice a nice\n\nChannel 0: A bit of a\n\nChannel 1: boost.\n\nChannel 0: boost.\n\nChannel 1: Yeah. A nice\n\nChannel 0: Yeah.\n\nChannel 1: boost as well. Yeah. And then,\n\nChannel 0: And\n\nChannel 1: sorry,\n\nChannel 0: when\n\nChannel 1: so\n\nChannel 0: I\n\nChannel 1: one last, oh, sorry. While I have you, Veronica, one\n\nChannel 0: yeah.\n\nChannel 1: last question because I'm just yeah. There's just a a bit with with the selling of an investment property, and there's just been a bit going on that I haven't actually really, you know, invested the time in just having a really good think about super and stuff. But so at the moment, I'm basically just set I do wanna get it sorted in the next few months whether and make a call on whether I stay or not or whatever I do. But so\n\nChannel 0: Yep.\n\nChannel 1: at the moment, I'm basically I'm just not getting any sort of financial guidance, isn't it? Because I haven't signed the agreement yet.\n\nChannel 0: Correct. But it also comes into play with your investment. So that is what I was going to say. Because you are not paying for any fees, typically, management because we wouldn't then, like, action a lot of investment trades and everything like that for you because it does take, obviously, resources, all\n\nChannel 1: Yeah.\n\nChannel 0: goes\n\nChannel 1: Sure.\n\nChannel 0: even through the ongoing advice fee. And especially with the notice of intent, there is a bit of the administration side.\n\nChannel 1: Right. Okay.\n\nChannel 0: So, typically, management would be that you would obviously sign the ongoing service agreement. Now I have told you before that it is not a lock in contract. And even if you were to sign it, we can obviously action all of these transactions and make sure that the the money is invested in as per your risk profile and everything like that, make sure it all gets correctly. Now\n\nChannel 1: Yes.\n\nChannel 0: if then, let's say, four weeks time, you decide I don't wanna do this, you can still cancel it. You don't have to like, you're not paying for a full year. It's just a monthly deduction from\n\nChannel 1: Oh,\n\nChannel 0: your\n\nChannel 1: okay.\n\nChannel 0: account.\n\nChannel 1: Right.\n\nChannel 0: Yes.\n\nChannel 1: Okay.\n\nChannel 0: So that\n\nChannel 1: That's\n\nChannel 0: just\n\nChannel 1: good\n\nChannel 0: allows\n\nChannel 1: to know.\n\nChannel 0: us\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: I was\n\nChannel 0: manage\n\nChannel 1: thinking\n\nChannel 0: everything.\n\nChannel 1: kind of like I think that's what was making me\n\nChannel 0: Yeah.\n\nChannel 1: hold on\n\nChannel 0: Hesitant.\n\nChannel 1: because I was thinking, like, it was\n\nChannel 0: Yeah.\n\nChannel 1: I was like, well, no. Yeah. Because I was thinking I was,\n\nChannel 0: Yeah.\n\nChannel 1: like, committing to, like, four 12\n\nChannel 0: No.\n\nChannel 1: months of\n\nChannel 0: No.\n\nChannel 1: and if I decide to change, then\n\nChannel 0: No.\n\nChannel 1: so that's fine then. I'll I'll sign that. And then if it's knowing that that's not, like, I can\n\nChannel 0: Yes.\n\nChannel 1: kind of come back to I can circle back to it at a later stage.\n\nChannel 0: 100\n\nChannel 1: Yeah.\n\nChannel 0: percent. You can you can email me or call the office and say I don't wanna stay on anymore, and we'd cancel it. Like, there is\n\nChannel 1: Yeah.\n\nChannel 0: no lock in. The twelve month is a legal requirement that we have to get you to sign. Otherwise, we can't keep charging you, but that doesn't mean you are locked in through a twelve month period. That can you can cancel it, you know, after a month, after two months. Whenever you want to, you can cancel it.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: You\n\nChannel 1: Yeah.\n\nChannel 0: just\n\nChannel 1: And\n\nChannel 0: let\n\nChannel 1: look,\n\nChannel 0: us\n\nChannel 1: I'm\n\nChannel 0: know.\n\nChannel 1: not necessarily sure. I mean, like, it's I've I've been I\n\nChannel 0: Yeah.\n\nChannel 1: I have been monitoring it really closely, and it seems to be performing a bit better at the moment, which is good to see. So\n\nChannel 0: Yeah.\n\nChannel 1: yeah. So I just yeah. But that's that's good. I'm just gonna monitor it a bit closely and\n\nChannel 0: Yes.\n\nChannel 1: see how we go. But yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. And I thank you so much for your help.\n\nChannel 0: No problem. Do you want me to get the team to resend those docs for you so that the top of your inbox whenever you have a moment?\n\nChannel 1: Yeah. That would be great.\n\nChannel 0: Yeah? Okay. Beautiful. I'll\n\nChannel 1: Amazing.\n\nChannel 0: get the team on that. And then if you have any issues locating what information to use for the contribution, just give the office a call and they can always direct you if you do have any issues. And even send me an email when you have made the payment because\n\nChannel 1: Yes.\n\nChannel 0: then I will let the team know to keep a lookout for the money to come in.\n\nChannel 1: Okay.\n\nChannel 0: And then\n\nChannel 1: Good.\n\nChannel 0: when you want us to do the notice of intent, again, just send us an email who's like, yep. Cool. I've made the money. I want to proceed with the NOI, notice of intent, and then we can action that for you as well.\n\nChannel 1: Okay. Amazing. Sounds\n\nChannel 0: Yep.\n\nChannel 1: good.\n\nChannel 0: No problem. Well, thank\n\nChannel 1: Okay.\n\nChannel 0: you so much\n\nChannel 1: Thank\n\nChannel 0: for your\n\nChannel 1: you.\n\nChannel 0: time. That's\n\nChannel 1: No problem.\n\nChannel 0: okay.\n\nChannel 1: Sorry. Sorry. One second. Did you say you were gonna send through the notice of intent form, or do I just get that from the website?\n\nChannel 0: We will typically send it to you when you've made the contribution.\n\nChannel 1: Oh,\n\nChannel 0: But\n\nChannel 1: okay.\n\nChannel 0: if you want,\n\nChannel 1: Yes.\n\nChannel 0: I\n\nChannel 1: Great.\n\nChannel 0: could\n\nChannel 1: Perfect.\n\nChannel 0: get the team yeah. So that's why, like, if you send me an email to say, hey. I've made the contribution. Please proceed with\n\nChannel 1: Yep.\n\nChannel 0: it anyway, then\n\nChannel 1: Yep.\n\nChannel 0: my admin, Whitlam, will send you that form to to or to start the process.\n\nChannel 1: Okay. Perfect. Awesome.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Thank you so much.\n\nChannel 0: No problem. If there's anything else you need at any point in time, don't hesitate to give me a call. Okay?\n\nChannel 1: Okay. Will do. Thanks, Veronica.\n\nChannel 0: No worries. We'll speak soon.\n\nChannel 1: Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":0.16,"end":0.48,"sentiment":"neutral","sentiment_score":0.0308169387280941},{"text":"Kendra speaking.","start":0.48,"end":1.46,"sentiment":"neutral","sentiment_score":0.02762172557413578}],"sentiment":"neutral","sentiment_score":0.02868679662545522,"channel":1,"num_words":3,"start":0.16,"end":1.46},{"sentences":[{"text":"Good afternoon, Candice.","start":2.0,"end":3.12,"sentiment":"neutral","sentiment_score":0.29506635665893555},{"text":"This is Veronica from Xfinity Financial.","start":3.12,"end":4.98,"sentiment":"neutral","sentiment_score":0.1981014981865883},{"text":"How are you?","start":5.12,"end":5.94,"sentiment":"neutral","sentiment_score":0.17265103260676065}],"sentiment":"neutral","sentiment_score":0.2159800964097182,"channel":0,"num_words":12,"start":2.0,"end":5.94},{"sentences":[{"text":"Good.","start":6.24,"end":6.64,"sentiment":"positive","sentiment_score":0.40812990069389343},{"text":"How are you going?","start":6.64,"end":7.54,"sentiment":"neutral","sentiment_score":0.2809342257678509}],"sentiment":"neutral","sentiment_score":0.3063733607530594,"channel":1,"num_words":5,"start":6.24,"end":7.54},{"sentences":[{"text":"Yeah.","start":7.8399997,"end":8.16,"sentiment":"positive","sentiment_score":0.37826085090637207},{"text":"I'm good.","start":8.16,"end":8.72,"sentiment":"positive","sentiment_score":0.6286953985691071},{"text":"Thanks.","start":8.72,"end":9.22,"sentiment":"positive","sentiment_score":0.7524892091751099}],"sentiment":"positive","sentiment_score":0.597035214304924,"channel":0,"num_words":4,"start":7.8399997,"end":9.22},{"sentences":[{"text":"That's","start":9.92,"end":10.32,"sentiment":"positive","sentiment_score":0.6990035772323608}],"sentiment":"positive","sentiment_score":0.6990035772323608,"channel":1,"num_words":1,"start":9.92,"end":10.32},{"sentences":[{"text":"I","start":10.24,"end":10.74,"sentiment":"positive","sentiment_score":0.7303820252418518}],"sentiment":"positive","sentiment_score":0.7303820252418518,"channel":0,"num_words":1,"start":10.24,"end":10.74},{"sentences":[{"text":"good.","start":10.32,"end":10.82,"sentiment":"positive","sentiment_score":0.7203118801116943}],"sentiment":"positive","sentiment_score":0.7203118801116943,"channel":1,"num_words":1,"start":10.32,"end":10.82},{"sentences":[{"text":"I've had you booked in for a quick catch up.","start":11.04,"end":13.2,"sentiment":"positive","sentiment_score":0.4888371765613556},{"text":"Is now still a good time for you?","start":13.2,"end":14.82,"sentiment":"positive","sentiment_score":0.43845388293266296}],"sentiment":"positive","sentiment_score":0.46644460161526996,"channel":0,"num_words":18,"start":11.04,"end":14.82},{"sentences":[{"text":"Yeah.","start":15.254999,"end":15.754999,"sentiment":"neutral","sentiment_score":0.23003649711608887}],"sentiment":"neutral","sentiment_score":0.23003649711608887,"channel":1,"num_words":1,"start":15.254999,"end":15.754999},{"sentences":[{"text":"Yeah.","start":16.135,"end":16.635,"sentiment":"neutral","sentiment_score":0.32305511832237244}],"sentiment":"neutral","sentiment_score":0.32305511832237244,"channel":0,"num_words":1,"start":16.135,"end":16.635},{"sentences":[{"text":"Great.","start":16.455,"end":16.775,"sentiment":"positive","sentiment_score":0.656066358089447},{"text":"Thank you.","start":16.775,"end":17.515,"sentiment":"positive","sentiment_score":0.6687847971916199},{"text":"I just wanted to basically ask so in a nutshell, we we need to make some additional I think they call it concessional contributions or something into our super sort of basically be sold an investment property this financial year.","start":18.535,"end":41.34,"sentiment":"neutral","sentiment_score":0.11405061585828662},{"text":"So in order to I guess, we've in speaking with our accountant, in order to kind of bring down our capital gains tax bill, I guess, if we make sort of some contributions to our super, it sort of in any way, help it it helps us in relation to tax.","start":41.34,"end":58.71,"sentiment":"neutral","sentiment_score":0.11618596834002756}],"sentiment":"neutral","sentiment_score":0.13277813800154847,"channel":1,"num_words":94,"start":16.455,"end":58.71},{"sentences":[{"text":"Mhmm.","start":59.3,"end":59.8,"sentiment":"neutral","sentiment_score":0.010636355727910995}],"sentiment":"neutral","sentiment_score":0.010636355727910995,"channel":0,"num_words":1,"start":59.3,"end":59.8},{"sentences":[{"text":"But I just wanted to know, I've not really done this before.","start":59.41,"end":62.15,"sentiment":"neutral","sentiment_score":-0.015830013745774824},{"text":"So it's a large sum.","start":62.61,"end":63.57,"sentiment":"neutral","sentiment_score":-0.038550838083028796},{"text":"We're looking at probably about, like so sorry.","start":63.57,"end":65.97,"sentiment":"neutral","sentiment_score":-0.02186374389566481},{"text":"Me, I'm looking at making about about 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you so much.","start":1068.9,"end":1070.12,"sentiment":"positive","sentiment_score":0.8469239771366119}],"sentiment":"positive","sentiment_score":0.8011548638343811,"channel":1,"num_words":5,"start":1068.58,"end":1070.12},{"sentences":[{"text":"No problem.","start":1070.53,"end":1071.01,"sentiment":"positive","sentiment_score":0.5458236932754517},{"text":"If there's anything else you need at any point in time, don't hesitate to give me a call.","start":1071.01,"end":1074.29,"sentiment":"neutral","sentiment_score":0.21160216629505157},{"text":"Okay?","start":1074.29,"end":1074.79,"sentiment":"neutral","sentiment_score":0.11975361406803132}],"sentiment":"neutral","sentiment_score":0.23905904732999347,"channel":0,"num_words":21,"start":1070.53,"end":1074.79},{"sentences":[{"text":"Okay.","start":1075.0969,"end":1075.497,"sentiment":"neutral","sentiment_score":0.15957747399806976},{"text":"Will do.","start":1075.497,"end":1075.9769,"sentiment":"neutral","sentiment_score":0.31675103306770325},{"text":"Thanks, Veronica.","start":1075.9769,"end":1076.717,"sentiment":"positive","sentiment_score":0.6466295719146729}],"sentiment":"positive","sentiment_score":0.4172677367925644,"channel":1,"num_words":5,"start":1075.0969,"end":1076.717},{"sentences":[{"text":"No worries.","start":1077.25,"end":1077.81,"sentiment":"positive","sentiment_score":0.34801459312438965},{"text":"We'll speak soon.","start":1077.81,"end":1078.79,"sentiment":"neutral","sentiment_score":0.27511508266131085}],"sentiment":"neutral","sentiment_score":0.30427488684654236,"channel":0,"num_words":5,"start":1077.25,"end":1078.79},{"sentences":[{"text":"Bye.","start":1079.177,"end":1079.677,"sentiment":"neutral","sentiment_score":0.20318977534770968}],"sentiment":"neutral","sentiment_score":0.20318977534770968,"channel":1,"num_words":1,"start":1079.177,"end":1079.677},{"sentences":[{"text":"Bye.","start":1080.29,"end":1080.79,"sentiment":"neutral","sentiment_score":-0.12196233868598938}],"sentiment":"neutral","sentiment_score":-0.12196233868598938,"channel":0,"num_words":1,"start":1080.29,"end":1080.79}]},"summary":{"result":"success","short":"Candile has made contributions to her super and is advised to make payments before the end of the financial year to avoid losing money. The process for making contributions is the same as the one for nonconcessional contributions and the notice of intent is only for those who make the contribution. The customer is advised to make payments before the end of the financial year to avoid losing money and can cancel their Netanda account if they decide to stay with the account. Management will handle the cancellation and the customer can send an email to the team for help with the notice of intent form."},"intents":{"segments":[{"text":"I just wanted to basically ask so in a nutshell, we we need to make some additional I think they call it concessional contributions or something into our super sort of basically be sold an investment property this financial year.","start_word":50,"end_word":89,"intents":[{"intent":"Make contributions","confidence_score":0.33682182}]},{"text":"But do you know I guess if I make a contribution and then I I believe there's, like, a a notice of intent that I have to get back from you from Yes. you? Correct.","start_word":221,"end_word":255,"intents":[{"intent":"Obtain notice of contribution from cannice","confidence_score":7.834689e-7}]},{"text":"you have made the contribution, we can then send you a form to change it to a concessional, so a pretax contribution, as long as you have the cap spaces for it.","start_word":490,"end_word":521,"intents":[{"intent":"Change contribution amount","confidence_score":0.039769866}]},{"text":"So you have to make the payment before the end of the financial year. Now Yeah. it is often best to do it and lodge it in this financial year.","start_word":901,"end_word":930,"intents":[{"intent":"Place payment","confidence_score":0.0039756624}]},{"text":"You don't have to, but just make sure the money's in and we can do the notice of intent.","start_word":1031,"end_word":1049,"intents":[{"intent":"Obtain notice of funds","confidence_score":0.000033348395}]},{"text":"you do it the same way, because often what happens is, like, self employed people, for example, Yes. they would do they would just pay themselves directly from the bank account, especially if you're, like, a Yes. sole trader. So they would like, let's say, in a monthly or weekly basis, they will put a little bit of money in from their bank account into Right.","start_word":1228,"end_word":1293,"intents":[{"intent":"Make monthly payments","confidence_score":0.0002619323}]},{"text":"So I I I guess, you know, I'm I'm to be completely transparent, like, if I was to look at moving funds in the future, I guess I wanna maybe minimize, like, the sale cost or whatever.","start_word":1408,"end_word":1444,"intents":[{"intent":"Reduce sales costs","confidence_score":0.0008913998}]},{"text":"The buy and sell cost would still be there, so there will still be a transaction cost with buying investments and selling investments as well. Okay.","start_word":1729,"end_word":1754,"intents":[{"intent":"Explain cost of investing","confidence_score":0.0014176354}]},{"text":"So is it at the moment, the portfolio is, like, 10 this, 10%, 20 Yes. percent this. It just typically gets divvy up the way Exactly.","start_word":1865,"end_word":1890,"intents":[{"intent":"Inquire about portfolio size","confidence_score":0.00035056792}]},{"text":"And and then the bulk of the fee, like, I think you said, like, I'd probably be looking at about, like, 3 or $4, Mhmm. you know, at the time. Yes.","start_word":1899,"end_word":1929,"intents":[{"intent":"Explain investment fee","confidence_score":0.000020264264}]},{"text":"And I'm glad you did call, and I'm glad that you confirmed that the accountant have confirmed your carry forward space because sometimes I do get clients saying, oh, I wanna put a 120,000 in. My accountant said it.","start_word":2345,"end_word":2383,"intents":[{"intent":"Confirm confirmation","confidence_score":0.16020325}]},{"text":"glad that at the end of the day, I would prefer to put into my super and have that money grow than Yeah.","start_word":2462,"end_word":2484,"intents":[{"intent":"Grow super","confidence_score":0.12168452},{"intent":"Sort super","confidence_score":0.0005984698}]},{"text":"So, typically, management would be that you would obviously sign the ongoing service agreement. Now I have told you before that it is not a lock in contract. And even if you were to sign it, we can obviously action all of these transactions and make sure that the the money is invested in as per your risk profile and everything like that, make sure it all gets correctly. Now Yes.","start_word":2740,"end_word":2810,"intents":[{"intent":"Confirm agreement sign","confidence_score":0.0018895075},{"intent":"Ensure proper investment management","confidence_score":0.0052662566}]},{"text":"if then, let's say, four weeks time, you decide I don't wanna do this, you can still cancel it.","start_word":2811,"end_word":2829,"intents":[{"intent":"Cancel service agreement","confidence_score":0.22072737}]},{"text":"We will typically send it to you when you've made the contribution.","start_word":3335,"end_word":3346,"intents":[{"intent":"Send notification","confidence_score":0.0048670922}]}]},"sentiments":{"segments":[{"text":"Hello. Kendra speaking. Good afternoon, Candice. This is Veronica from Xfinity Financial. How are you?","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":0.1740536391735077},{"text":"Good.","start_word":15,"end_word":15,"sentiment":"positive","sentiment_score":0.40812990069389343},{"text":"How are you going?","start_word":16,"end_word":19,"sentiment":"neutral","sentiment_score":0.2821703851222992},{"text":"Yeah. I'm good. Thanks. That's I good. I've had you booked in for a quick catch up. Is now still a good time for you?","start_word":20,"end_word":44,"sentiment":"positive","sentiment_score":0.5326701998710632},{"text":"Yeah. Yeah.","start_word":45,"end_word":46,"sentiment":"neutral","sentiment_score":0.27654582262039185},{"text":"Great. Thank you.","start_word":47,"end_word":49,"sentiment":"positive","sentiment_score":0.6572481989860535},{"text":"I just wanted to basically ask so in a nutshell, we we need to make some additional I think they call it concessional contributions or something into our super sort of basically be sold an investment property this financial year. So in order to I guess, we've in speaking with our accountant, in order to kind of bring down our capital gains tax bill, I guess, if we make sort of some contributions to our super, it sort of in any way, help it it helps us in relation to tax. Mhmm. But I just wanted to know, I've not really done this before. So it's a large sum. We're looking at probably about, like so sorry. Me, I'm looking at making about about $90,000 Mhmm. contribution into my Yep. super. And I just wanted to know, first of all, the process. I just wanted to make sure I had this conversation before end of financial year, like, to make sure I kind of, I guess, do it the right way. But do you know I guess if I make a contribution and then I I believe there's, like, a a notice of intent that I have to get back from you from Yes. you? Correct. Yes. Okay. So So what's just the process for that? yeah. Perfect. Now just before I do go any further, I have to pass you through the security just so that I can go through your information. Just your first full name, date of birth, and address, please. Yeah. Sure. It's Candice Candice Ellensworth sorry. One second. Candice Candice Ann Ellensworth, twenty seventh of the fifth eighty three. I'm sorry. What else did you say you wanted? Sure. Just your full address as well, please. Yep. 40 Harriet Drive, Burley Waters, Queensland 4220.","start_word":50,"end_word":348,"sentiment":"neutral","sentiment_score":0.047886377050974295},{"text":"Yep. Amazing.","start_word":349,"end_word":350,"sentiment":"positive","sentiment_score":0.5723648071289062},{"text":"And I do also have to let you know that the calls are being recorded for quality and coaching purposes, if that's okay. Yeah. No problem. Yep.","start_word":351,"end_word":377,"sentiment":"neutral","sentiment_score":0.1718219667673111},{"text":"Yep. Beautiful.","start_word":378,"end_word":379,"sentiment":"positive","sentiment_score":0.539594292640686},{"text":"Now you are exactly right, and that is often why people do a bigger lump sum contribution into super is because they have sold an investment property. Right. Okay. What the process would be from an administration point of view is that you would make the contribution. Now I can get the team to email you your account details of how to do it because you would do it as an after tax contribution, which is just, like, from money from your bank account, which is your nonconcessional contribution. So, basically, it means after tax. What then happens is the notice of intent, like you mentioned, is that once Yes. you have made the contribution, we can then send you a form to change it to a concessional, so a pretax contribution, as long as you have the cap spaces for it. So did your accountant run through all the Key. rules My vehicle. in regards to all of that? Yeah. Yeah. So, yeah, basically, he went through with me the, I guess, the amount that we that sorry. This is just in relation to me. The the amount that Mhmm. I need to pay and yeah. In in relation to the like, I guess, my my taxable income and how much we sell the property for and everything. Okay. And he obviously considered you not exceeding current cap spaces and legislation under the superannuation rules as well? Oh, Because sorry. that's Yeah. usually I think he mentioned yeah. It's like a like, that's the five year thing. Right? correct. Yes. Yeah. And Perfect. the $3,030,000. Yeah. 30,000. But so he's he's basically given me the figure of, Okay. like yeah. So, basically, yeah, with that in in relation to that, and then, obviously, what I've Okay. already contribute what my employer has contributed this year. So, you know, say, you know, it's about 11,000. So I'm kind of, you know, utilizing, like, the utilizing, like, the 20 oh, you know, whatever I have left, 19 Yeah. thousand I have left. Yeah.","start_word":380,"end_word":721,"sentiment":"neutral","sentiment_score":0.05012469111304534},{"text":"Yeah. Perfect.","start_word":722,"end_word":723,"sentiment":"positive","sentiment_score":0.5583429932594299},{"text":"Yep. And and then so I don't know if we we spoke about oh, sorry. No. And then so just to keep on that then. So then Mhmm. in terms of the notice of intent so yeah. So you'll send me the form. I fill that out once, obviously, I've made the payments. Yep. And We oh, sorry. we, Go on. yeah, we will then lodge it with your superannuation. So we will lodge it with NatWell. They will Yep. then process it. And when it's complete, they will send us a letter of acknowledgement, which we would Yeah. just forward on to you, and then that is what you would bring with you to your accountant when you do your tax return. Okay.","start_word":724,"end_word":847,"sentiment":"neutral","sentiment_score":0.1401304006576538},{"text":"Right. Great. Yep.","start_word":848,"end_word":850,"sentiment":"positive","sentiment_score":0.5101858973503113},{"text":"And then and that's so and I am I right in that that doesn't have to be I mean, I wanna get it all going anyway, but it doesn't actually have to be done beef the notice of intent before end of financial year, or or should it be? Correct. So you have to make the payment before the end of the financial year. Now Yeah. it is often best to do it and lodge it in this financial year. Just Yep. so if you do have because if you do go over the concessional cap space, what happens if you utilize the oldest year first? So, obviously, Right. Yes. let's say, in theory, you have you know, you exceeded by 20,000, let's say, you would Yep. then use the twenty twenty to twenty twenty one financial year cap space. If you do it next year, like, it kind of changes and then you lose out anything that you could use for that year. It still means you still have Yeah. five Right. years, but it is often easier. You don't have to, but just make sure the money's in and we can do the notice of intent. So, Yes. typically, Okay. we do we do say it's best to have the money in and for us to lodge it. This Yeah. financial year, four is, but Yeah. there is Sure. a way you you can do it after. Now each super fund processing slightly different. It depends on when you guys were thinking about it, but we're telling most people to try to do the payment and let us know this week Yeah. to Sure. give the Netwealth enough time to process everything. Because even when you make Okay. the contribution, it will take a couple of days for it to actually show up in that wealth before Yeah. we can No. then For sure. kind of change it. Does that make sense? No. Definitely. Yep. Yeah. No. For sure. Okay. And is there any issue or any issue in terms of I'll I'll have to see how it works from my bank, but is there any issue if I make several payments as opposed to one payment? No. No. Not as Yep. long as Okay. you do it the same way, because often what happens is, like, self employed people, for example, Yes. they would do they would just pay themselves directly from the bank account, especially if you're, like, a Yes. sole trader. So they would like, let's say, in a monthly or weekly basis, they will put a little bit of money in from their bank account into Right. super, and we would do the same process that at the end of the financial year, we will calculate it how much you have done, confirm that Yep. you wanna change all of it, and then we'll do it for you. Yep. Okay. Yep.","start_word":851,"end_word":1337,"sentiment":"neutral","sentiment_score":0.0660358096493955},{"text":"Great.","start_word":1338,"end_word":1338,"sentiment":"positive","sentiment_score":0.6438053846359253},{"text":"And then when the money goes through, like because obviously, it's a significant amount of money. Mhmm. What I guess because, Veronica, I don't know if you remember my I'll I'll sort of catch up or whatever. I was kind Yes. of still kind of considering what I was kind of gonna do long term Yes. and whether it was sort of, you Yeah. know, right for me. Yep. So I I I guess, you know, I'm I'm to be completely transparent, like, if I was to look at moving funds in the future, I guess I wanna maybe minimize, like, the sale cost or whatever. Like, you know, how we were talking Mhmm. about how you, like, you know, you know, it costs x amount of money to kind of, I guess, essentially change the funds because Correct. of buying and just selling and all that kind of stuff. So, like, Yes. what where does that like, is there a way that I can, I I I guess, have like, that 90,000 can go, I guess, to a a portion of my super that I guess that that that would minimize that? It Does is that make tricky. sense? It does totally make sense. It is tricky because the only way to minimize that capital gains tax, which is what you would pay as a like, which would be, like, the lump sum when you're changing super funds, would be if your money is not growing or not in investments that's going to grow. So that would be, like, literally just have it sitting in cash, for example, which obviously is not something Alright. I recommend because that means your money is not gonna grow as much. Right. So that would be kind of even if we invested in something, let's say, defensive, if it's still gonna grow, you're still gonna have to pay capital gains tax. And if we put, let's say, the 90,000 in, let's say, gold or something, Yes. then, obviously, you're heavily over invested in gold according to your risk profile. But when you still Yes. sell it, you're still going to pay capital gains tax. It might be slightly less than if you haven't invested in higher growth options, but then you're Yes. not going Right. to obviously grow your super as much. The buy and sell cost would still be there, so there will still be a transaction cost with buying investments and selling investments as well. Okay. So what would I be looking at, like, in terms of buying? Like, is that like, is it just like a like a cap cost? Like, say, $90,000 worth of buying something? Like or or or does it depends on what is it, like, a percentage of or or does it depend on what you're buying? Exactly. So it depends on what you are buying into it, the type of investments, but then also, obviously, how we think so if, for example, you put the 90,000 in, that now in 2,000 would be invested as per your current portfolio proportionally. So x amount Right. would So go into keeping yeah. yeah. So is it at the moment, the portfolio is, like, 10 this, 10%, 20 Yes. percent this. It just typically gets divvy up the way Exactly. that my current portfolio is. Right. Exactly. Okay. And and then the bulk of the fee, like, I think you said, like, I'd probably be looking at about, like, 3 or $4, Mhmm. you know, at the time. Yes. Is the bulk of that capital gains tax or is that Yes. more the buying and selling? No. Almost all of these capital gains tax because the buy and sell Okay. isn't that great. Yes. It's the capital Okay. So gains that's tax. really convenient. And then so okay. So, essentially, that's that's good to know because I was thinking, like yeah. So, essentially, it's tax that I'm paying on money that I've actually earned, though. Correct. Yeah. Yes. Okay. So it's like it's one of those things.","start_word":1339,"end_word":2017,"sentiment":"neutral","sentiment_score":0.003287415872965782},{"text":"It's like it's a good thing in the sense that, you know, Yes.","start_word":2018,"end_word":2030,"sentiment":"positive","sentiment_score":0.4076457917690277},{"text":"you're you've earned money It's only kinda on thing. the earnings. It's, like, same when you guys sold Right. your investment property. Like, Yeah. if you earned, let's say, 50,000 on it, you would only pay the capital gains tax on the 50. You wouldn't pay it on, like, the whole amount you sold it Yeah. Sure. for. It's, Okay. like, the So same it's concept. yeah. So this 90,000 gets put in or whatever and whatever, like, that 90,000 makes, say, in the next six six months, if Mhmm. I decide to move down the track, then I'm if it's made $10, I'm paying capital gains on that $10 Yep. in relation Correct. to the 90,000. Yeah. Yeah. Yeah. Correct. Okay. Cool. Yes. No. That's fine. Okay. No problem.","start_word":2031,"end_word":2160,"sentiment":"neutral","sentiment_score":0.06839677720115735},{"text":"Okay. Great.","start_word":2161,"end_word":2162,"sentiment":"positive","sentiment_score":0.45006412267684937},{"text":"And then and then in terms of where's the best place to get the like, I like, because I just I literally transfer into a into, like, a bank account, right, as if I'm paying a a bank account. Oh, I get Yes. that online. So when I get that in my portal, don't I? There's an actual BSP and an account number isn't Correct. there. There is. Yeah. Yep. So they're straight on Okay. the portal. Just make sure you choose the right one. It is pretty clear which one it is, but sometimes people get confused because it lists, like, spousal contributions. So just make sure you you use the right number so it gets allocated correctly when it goes into your Netwealth account. Yeah. Okay.","start_word":2163,"end_word":2290,"sentiment":"neutral","sentiment_score":0.053705137223005295},{"text":"Perfect. Yeah. Will do.","start_word":2291,"end_word":2294,"sentiment":"positive","sentiment_score":0.4415351748466492},{"text":"Yep.","start_word":2295,"end_word":2295,"sentiment":"neutral","sentiment_score":0.23602518439292908},{"text":"Okay. Awesome. Alright. Thank you. Thanks for, like, talking me through that. As I said, it's a a decent amount of money, so I just wanted to make sure I was, like, doing the right protocol and following, you know, the right steps and stuff.","start_word":2296,"end_word":2340,"sentiment":"positive","sentiment_score":0.5335493683815002},{"text":"Yeah. Yeah. No.","start_word":2341,"end_word":2343,"sentiment":"neutral","sentiment_score":0.055325090885162354},{"text":"And I'm glad you did call, and I'm glad that you confirmed that the accountant have confirmed your carry forward space because sometimes I do get clients saying, oh, I wanna put a 120,000 in.","start_word":2344,"end_word":2378,"sentiment":"positive","sentiment_score":0.448616087436676},{"text":"My accountant said it. I was like, okay.","start_word":2379,"end_word":2386,"sentiment":"neutral","sentiment_score":0.2067604809999466},{"text":"Perfect.","start_word":2387,"end_word":2387,"sentiment":"positive","sentiment_score":0.4753842353820801},{"text":"And did they run through how much space you have left? And they're like, Yeah. no. Yeah. Yeah. Yeah. I'm so sorry. Yeah. I Sorry. wish we It could seems put like I wish we could put on time to get more in, actually, because we're still we're still it's not it's not eliminating the you know, we still have a a decent tax bill at the end of it. But, like, I'm yes.","start_word":2388,"end_word":2461,"sentiment":"neutral","sentiment_score":0.009088958613574505},{"text":"glad that at the end of the day, I would prefer to put into my super and have that money grow than Yeah.","start_word":2462,"end_word":2484,"sentiment":"positive","sentiment_score":0.4221711754798889},{"text":"than pay than pay the tax man more money. Right? So, Yes. yeah, so it will be Exactly.","start_word":2485,"end_word":2502,"sentiment":"neutral","sentiment_score":0.1278881877660751},{"text":"good long term, and it will be good to give that super balance a nice a nice A bit of a boost.","start_word":2503,"end_word":2524,"sentiment":"positive","sentiment_score":0.5256325006484985},{"text":"boost. Yeah. A nice Yeah. boost as well. Yeah. And then, And sorry, when so I one last, oh, sorry. While I have you, Veronica, one yeah. last question because I'm just yeah. There's just a a bit with with the selling of an investment property, and there's just been a bit going on that I haven't actually really, you know, invested the time in just having a really good think about super and stuff. But so at the moment, I'm basically just set I do wanna get it sorted in the next few months whether and make a call on whether I stay or not or whatever I do. But so Yep. at the moment, I'm basically I'm just not getting any sort of financial guidance, isn't it? Because I haven't signed the agreement yet. Correct. But it also comes into play with your investment. So that is what I was going to say. Because you are not paying for any fees, typically, management because we wouldn't then, like, action a lot of investment trades and everything like that for you because it does take, obviously, resources, all Yeah. goes Sure. even through the ongoing advice fee. And especially with the notice of intent, there is a bit of the administration side. Right. Okay. So, typically, management would be that you would obviously sign the ongoing service agreement. Now I have told you before that it is not a lock in contract. And even if you were to sign it, we can obviously action all of these transactions and make sure that the the money is invested in as per your risk profile and everything like that, make sure it all gets correctly. Now Yes. if then, let's say, four weeks time, you decide I don't wanna do this, you can still cancel it. You don't have to like, you're not paying for a full year. It's just a monthly deduction from Oh, your okay. account. Right. Yes. Okay.","start_word":2525,"end_word":2854,"sentiment":"neutral","sentiment_score":0.033987833807865776},{"text":"So that That's just good allows to know.","start_word":2855,"end_word":2862,"sentiment":"positive","sentiment_score":0.4778086245059967},{"text":"us Yeah. to I was manage thinking everything. kind of like I think that's what was making me Yeah. hold on Hesitant. because I was thinking, like, it was Yeah. I was like, well, no. Yeah. Because I was thinking I was, Yeah. like, committing to, like, four 12 No. months of No. and if I decide to change, then No. so that's fine then. I'll I'll sign that. And then if it's knowing that that's not, like, I can Yes. kind of come back to I can circle back to it at a later stage. 100 Yeah. percent. You can you can email me or call the office and say I don't wanna stay on anymore, and we'd cancel it. Like, there is Yeah. no lock in. The twelve month is a legal requirement that we have to get you to sign. Otherwise, we can't keep charging you, but that doesn't mean you are locked in through a twelve month period. That can you can cancel it, you know, after a month, after two months. Whenever you want to, you can cancel it. Yeah. Yeah. You Yeah. just And let look, us I'm know. not necessarily sure. I mean, like, it's I've I've been I Yeah. I have been monitoring it really closely, and it seems to be performing a bit better at the moment, which is good to see. So Yeah. yeah. So I just yeah.","start_word":2863,"end_word":3100,"sentiment":"neutral","sentiment_score":-0.004894352322366058},{"text":"But that's that's good.","start_word":3101,"end_word":3104,"sentiment":"positive","sentiment_score":0.5155915021896362},{"text":"I'm just gonna monitor it a bit closely and Yes. see how we go. But yeah. Yeah. Okay.","start_word":3105,"end_word":3122,"sentiment":"neutral","sentiment_score":0.18257682025432587},{"text":"And I thank you so much for your help.","start_word":3123,"end_word":3131,"sentiment":"positive","sentiment_score":0.7208525538444519},{"text":"No problem. Do you want me to get the team to resend those docs for you so that the top of your inbox whenever you have a moment? Yeah.","start_word":3132,"end_word":3160,"sentiment":"neutral","sentiment_score":0.17587925493717194},{"text":"That would be great.","start_word":3161,"end_word":3164,"sentiment":"positive","sentiment_score":0.6225940585136414},{"text":"Yeah?","start_word":3165,"end_word":3165,"sentiment":"neutral","sentiment_score":0.31926143169403076},{"text":"Okay. Beautiful. I'll Amazing. get the team on that.","start_word":3166,"end_word":3174,"sentiment":"positive","sentiment_score":0.7288478016853333},{"text":"And then if you have any issues locating what information to use for the contribution, just give the office a call and they can always direct you if you do have any issues. And even send me an email when you have made the payment because Yes. then I will let the team know to keep a lookout for the money to come in. Okay. And then Good. when you want us to do the notice of intent, again, just send us an email who's like, yep.","start_word":3175,"end_word":3261,"sentiment":"neutral","sentiment_score":0.20081108808517456},{"text":"Cool.","start_word":3262,"end_word":3262,"sentiment":"positive","sentiment_score":0.3750627636909485},{"text":"I've made the money. I want to proceed with the NOI, notice of intent, and then we can action that for you as well. Okay.","start_word":3263,"end_word":3287,"sentiment":"neutral","sentiment_score":0.19604821503162384},{"text":"Amazing.","start_word":3288,"end_word":3288,"sentiment":"positive","sentiment_score":0.5458377599716187},{"text":"Sounds Yep.","start_word":3289,"end_word":3290,"sentiment":"neutral","sentiment_score":0.3042270839214325},{"text":"good.","start_word":3291,"end_word":3291,"sentiment":"positive","sentiment_score":0.39743754267692566},{"text":"No problem. Well, thank Okay.","start_word":3292,"end_word":3296,"sentiment":"neutral","sentiment_score":0.2865979075431824},{"text":"you so much Thank for your you.","start_word":3297,"end_word":3303,"sentiment":"positive","sentiment_score":0.5923094749450684},{"text":"time. That's No problem. okay. Sorry. Sorry. One second. Did you say you were gonna send through the notice of intent form, or do I just get that from the website? We will typically send it to you when you've made the contribution. Oh, But okay. if you want, Yes.","start_word":3304,"end_word":3353,"sentiment":"neutral","sentiment_score":0.03768673166632652},{"text":"I Great. could Perfect. get the team yeah.","start_word":3354,"end_word":3361,"sentiment":"positive","sentiment_score":0.4472908675670624},{"text":"So that's why, like, if you send me an email to say, hey. I've made the contribution. Please proceed with Yep. it anyway, then Yep. my admin, Whitlam, will send you that form to to or to start the process.","start_word":3362,"end_word":3401,"sentiment":"neutral","sentiment_score":0.0963544175028801},{"text":"Okay. Perfect. Awesome. Yeah. Okay. Thank you so much. No problem.","start_word":3402,"end_word":3412,"sentiment":"positive","sentiment_score":0.6959733963012695},{"text":"If there's anything else you need at any point in time, don't hesitate to give me a call. Okay? Okay. Will do.","start_word":3413,"end_word":3434,"sentiment":"neutral","sentiment_score":0.2138552963733673},{"text":"Thanks, Veronica. No worries.","start_word":3435,"end_word":3438,"sentiment":"positive","sentiment_score":0.5320099592208862},{"text":"We'll speak soon. Bye. Bye.","start_word":3439,"end_word":3443,"sentiment":"neutral","sentiment_score":0.2224595993757248}],"average":{"sentiment":"neutral","sentiment_score":0.08872526773631063}}}}