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Is now still a good time there for you? Fantastic. Matthew, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? Fabulous. And this is a security day with you as well, just to confirm your full name, your date of birth, and address I should have on file. Legend. Thank you so much for that. Matthew, before we jump into the interview, I know you have spoken to my colleague Samantha there, and you wanted to sort of have a bit of a chat about, you know, where your position looks like and what we can do moving forward to kinda help you along. Is there anything specific otherwise or anything else that you wanted me to sort of touch on as part of your annual review? Or yeah. Of course. Yeah. Yeah. Absolutely. No. We can definitely help you with that. It's not a problem at all. Well, what we'll do if you like, we'll start by going through and giving you an update on your super, have a bit of a chat about what's happening there. We'll talk about the insurance that you do have as well. And then as we are going through and updating all of your circumstances, we can talk about what your goals are, what you're looking for moving forward. And, you know, I can sort of give you some guidance there, and we can talk about what we need in order to help provide the advice in those areas for you. Does that sound okay? Yep. Fantastic. And I know the email you saw would have been our recent newsletter with Tom's scenario in it. That would have been the from the recent newsletter. Yeah. You're right. Yeah. You're right. Yes. Yeah. Yeah. That's the one. About some yeah. No. Of course. Understandable. And, look, it is a really great case study, and it can definitely show you where things can go. Obviously, Tom's scenario, there was a few additional things there. As you kind of read through the case study, you sort of see that he's had income increases along the way. And instead of using that money to other areas, he's invested that money in both his super and possibly externally. It kinda doesn't break down whether there's a investment account there at all. But, essentially, with Tom's scenario, with all of the increases in wages, he's investing more into his suit for his salary sacrifice and and definitely purchasing a home and building wealth that way, paying down the property as much as possible. But at the very end of the scenario, with the difference there, he starts off with about 70 odd thousand in net assets, but then ends up with 800,000 in five years. So with Tom's scenario, that is net asset. So that's essentially all of his assets minus the debt, and that leaves you with your net assets. And, look, it's not impossible to get to obtain. It's more just about an individual client scenario. So your circumstances could be very different. So it's about providing a road map, yeah, looking at your goals and providing advice and a road map to help you to get to your, you know, TOMS scenario, essentially, to help you meet your goals in the best way that suits you as well because your circumstances look like they have definitely changed a little bit over the last twelve months there, but I'm more than happy to help you. Would love to sort of look at what we can do moving forward and help to boost, a, your suit, but also, wealth in other areas for you as well. Okay. Fantastic. Now, Matthew, we do also send through an annual review path to you just with some documents, that we go through as part of the annual review. I am sending that email to you now. That way it is in your email. It's good to go. If you're able to look at that, absolutely fantastic. If you're not, that is honestly okay as well. It does have a sense of your ongoing service agreement for the next twelve months, and we do also have a tax file opt in form. So we just like to make sure you are aware. We do hold your tax file number, but that document outlines how and why we hold your tax file number. And we are very security conscious as what's going on in the world as well, so making sure that we do security with you whenever you call us or we call you so as no one is pretending to be you and we don't give any information, we shouldn't to anyone that isn't you as well. Okay. Beautiful. All good. If you are able to look at that email there, on the when you open it on the attachments, I do have the essentially a summary of your superannuation and insurances there as well as an updated super report for you just to sort of show you how that has been going. It is not working. Yeah. No. That's okay. Scroll down from that one, and if you see, you'll see some attachments. So it should be yeah. That's the one. One of them should say superannuation and insurances or summary of superannuation insurances. Yeah. That's the one there. Yeah. Fantastic. Might be taking a second. Yeah. Beautiful. Beautiful. Now having a look back at your last annual review, your balance then was about a 125,209 and 99¢ there. So having a look at things as of the twenty twenty sixth of June here, your balance is up to a 162,107 and 86¢. So it is good. It has definitely grown. When we have a look and sorry. With that document, if you have a look at the next document, it should be the next one down. It's the heading on that one would be hub twenty four performance. Can you see that document there as well? Yep. Fantastic. So opening that one along. Beautiful. The first page of that document essentially outlines all the individual investments and how they have performed over the past twelve months there for you. What to make it easier on you, if you scroll to the second page of that one and look at the second last column, it's showing you the internal rate of return of essentially the percentage of the growth and income that your super has provided over the last twelve months, and it shows that net of fees, you've made 10.69%. Yeah. So it is a good positive return there. Having a look at, obviously, how you are invested within your super, you're in more of a high growth portfolio, which is where you're sort of trying to obtain a bit more growth. Happy to take on more of the ups and downs in market fees in order to obtain greater returns. Yeah. With that sort of high growth environment, you see generally 90% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities like gold and silver there as well. And then just a small component about 10% of your super in low risk defensive investments. So it is about seeking greater risk to obtain that greater growth. This sort of a portfolio over a on a yearly basis, we're trying to obtain about a an eight to 10% return is what you're sort of averaging or hoping to achieve. So anything above that 10% is essentially your portfolio overperforming or outperforming and doing very, very well. Anything under that 10% is seen as underperformance there. So your portfolio has performed a little bit greater than the 10% as a net return, which is great. It's what we wanna see, but we wanna see that continue and continue to compound for you. One of the biggest things with our super is that we start off with a low balance, and we slug it out getting our contributions in to get our super balance up to that sort of 250 mark, between 200 to 250 mark. And then once we kinda see our balance hit that mark, the compounding increases significantly. If you sort of think about, you know, getting a 5% return on, say, a balance of $50,000, it's about, you know, 2,500 for the year. If you think about that same 5% return on someone with a $250,000 balance, the 5% is $12,500. And then if you continue, that just continues growing. So it's about trying to get your balance up as high as you possibly can so that the compounding effect really starts to grow and work. And as your balance increases, smaller changes in the market really make a big difference, and and the earnings increase along with that. So that's essentially the hardest part of getting super to start working for you, but you are very much on track to doing that. Your super has grown really, really well, and you're up to that one sixty two, 107 now. So it is good to see. Yeah. Yeah. Yep. Yep. Yeah. I'm just having a quick look as well at the original advice document just to see what was projected in the first five years for you, just to sort of see how on track you are to that. So beautiful. So you came on board in November 2023 there. Slow down. Yeah. Not bad at all. And we did project in five years from when you came on board your balance to be around about $201,601.11. So you are pretty well on track for that. We can definitely get your balance up over that kind of mark in the next sort of two, two and a half odd years. The other sort of thing to look at is maybe looking to increase contributions. Are you in a position where you could maybe look to start salary sacrificing or increasing contributions in to help sort of build that compounding effect earlier, or is your circumstances not really allow? Okay. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Right into it. Yeah. Yep. Yeah. No. That's absolutely fine. So you're looking at more of a ten year horizon there with your investing side of things. The main thing with with the property investment side of things at the moment, there is a few unknowns to consider. So property investment is great. There's nothing wrong with that. Essentially, in order to Essentially, in order to get a property, you just need to make sure you do have, obviously, capital to be able to do that. I can see here that with everything going through, that property that you have now is being sold. The loan will be cleared, and you and your ex partner will be splitting that 50%. Is that right? Yeah. Oh, yeah. Could reduce the profit. Yeah. Yeah. Absolutely. No. Definitely. Completely understand. And, look, that's one less headache to have. And, I mean, property investment is a great idea. The biggest sort of unknown we have at the moment is that there is that legislation that's possibly going through after the budget where in order to be able to access negative gearing, we do have to be able to possibly buy a brand new kinda off the plan property to create new housing demand. So there are a lot of unknowns with the property market at the moment and investing in the property market. Essentially, a lot of the clients I'm speaking to at the moment, we're sort of holding off to see what sort of comes of this legislation from the budget to see where that goes, mostly because if they buy a preexisting home and this legislation goes through, it does mean they're not gonna be able to utilize negative gearing. And when we are on a higher income, our income's increasing. We wanna be able to utilize any tax advantage we can to pay as little tax as possible. It's all about paying a fair tax, not too much or, you know, too little. So it is a little bit out there, but, I mean, property investment isn't off the chart. It is definitely something you can do. There are other ways to structure investments, though. So you could look at doing it two ways, and, realistically, it all comes down to what your goals are, what you wanna achieve in the next ten years. Are you hoping to build enough wealth that you, you know, are able to stop working in the next ten years or have the option of working, or are you just wanting to build up enough wealth to kinda supplement super in retirement? But we can also build portfolios very similar to what you have in your super in your own name, and we have structures like investment accounts that suit smaller balances and be able to build wealth that way. We have this investment accounts that can take on larger balances to begin with. We've also got access to, like, investment bonds and things like that that allow you to build investments in your own name without having to suffer tax consequences as well, and those sorts of things suit someone who's got a ten year horizon or not wanting to access that those funds for about ten years and build wealth in the background. So there are lots of different options that we have to be able to build investments outside of super. The other option is if you're more just wanting to kinda build for your retirement and not sort of looking at, you know, having anything in your own name and risking the sort of tax consequences of building investments in your own name, you can just be building your super. Obviously, super is a tax haven, putting money into super additional contributions. It is taxed only 15% inside super instead of your marginal tax rate. The only sort of downside to super is that you can't access the funds until you meet the condition of release. So turn 60 and fully retire or 65 if you continue to work beyond that. So it just comes down to what your goals are, what's more important to you. Do you think you're wanting to sort of focus on sleep, or would you like to build wealth outside and and over the next ten years? What would you like to do? Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. Yep. That's okay. Yeah. Absolutely. Yeah. There's a lot to talk a lot to think about. No. Well, look. It honestly sounds like building wealth outside of super is the right aspect for you. It is a goal of yours. You are sort of wanting to you know, ten year time horizon definitely works for being able to build wealth outside of super. What I would probably look at doing for you is because we need to sort of understand how much you have available to you is once you've gone through that property sale, once you've sort of understand a bit more about how much cash you have flexible to you, let's maybe have more of a conversation. I can book you back in a few weeks when you're ready to do so. We can talk about, you know, what your income looks like, what your expendable income looks like. We can do a risk profile, and we can look at investing outside of Super for you in other structures. And I can drop a advice document for you that essentially outlines what we're looking at there. Document for you that essentially outlines what we're looking at there and make a recommendation on how it's structured, what to invest the money in, how to build it over time, and give you kind of that projected outcome that you're sort of after to show you where we are tracking for very similar to how we are in. Does that sound okay with you? Yep. Beautiful. I think for the moment, we just sort of let you get over the hurdle with the property, go through the settlement, get that sorted first so you're not putting too much on your plate and, you know, we're not overloading you in any way, shape, or form, and then we can come back when you're ready. I can get Samantha to give you a call in another, you know, three or four or six weeks depending on what you're comfortable with, and she can then book you back in a month. Yep. Yep. Yeah. Beautiful. Excellent. Having a look at your super, I can that there are some changes to the investment portfolio that I would also like to make for you. I can do one of two options. I can look at making some changes to the investments now, or I can just hold off because your portfolio has done really well. You've got a lovely 10% return there. Things are working nicely. I can always just hold off on making changes to your super, and we kind of look at super and investment as a whole and do, you know, a nice big strategy across everything. Would you like me just to hold off on making changes at now and maybe incorporate that into the big plan so we can look at where you're tracking with both super and investments outside of super to sort of see how that looks for you and give you a nice five to ten year plan that see how we're tracking? Well, I can see here with your investments, if you're looking at the port the portfolio report, the hub twenty four one, the top investments have been along Australian equities. So that one there is underperforming a little bit in your portfolio. So you'll see there if you look at the second last column, it's got the brackets in the 19.14% in there. So it does show that that is down by about 19.14% for the year. Essentially, when I assess whether an investment itself is underperforming or whether it is just due to normal market reactions, we assess the investment against how, say, the benchmark is going or how other areas within that that sort of area are. That's an Australian equities fund. So, essentially, we'd be looking at how Australian equities have performed. And whilst we have seen those market ups and downs with what's been going on between The US and Iran, the issues within that Benelon Australian equities and the reason that it is down doesn't have anything to do with that. Essentially, Benelon and the investment fund itself have had some individual issues with their investment option there, and that is causing that to be down, and it hasn't kinda come back and shown any kind of recovery. If you kind of look about three investments down, you've got the bank hybrid, the cybersecurity, and then you've got the other one there, which is the keywords. That's the Australian that's Australian Raffy. That's Australian equities as well, and that's essentially doing very, very well. That's showing you a positive of 16.99% for the year. So you can kinda see the difference. Yes. That's exactly right. The brackets show a negative a negative figure or a negative return. Yeah. Yeah. And so you can see with the absolutely. I can have a look at the report. Yeah. That's okay. I can have a look for you. I've got the reports here as well. So the 2024 annual review report showed you were at 13.49% for that year. And then if I go back to the 2023 we didn't have a report then. So 2024 was your first annual review, and, yeah, it was. You were up 13.49% for that year, and then this last twelve months, it's showing that 10.69%. So it is a bit lower in saying that, we understand, well, markets do go up and down. So there are gonna be years when you get, say, a thirteen, fifteen, or 20% return, but then other years when you only get a four or five or 10% return. And that's because markets do fluctuate. There are ups and downs to be considered. Admittedly, if Bannalong was performing better this year, you could have seen a much greater level of return out of your portfolio than what you had seen. So Bannalong has had a bit of an effect there, but it's also got to do with the market as a whole with the ups and downs. And one of the good things about your contributions continuing to go in is that you are dollar cost averaging in the market, and we're taking advantage of the ups and downs. One of the biggest things that I try to sort of stress is that we don't time the market. We don't try to pick the top and the bottom of the market. We essentially wanna be taking advantage of what the market's doing and having our contributions going in regularly. And now that our employer contributions are required to go in without pay, we're gonna see much greater dollar cost averaging. So when the market is doing really well, you, say, had CBA shares, you put a $100 in and they're $50 per share, that $100 buys two of those shares. If then the next week get paid and your $100 goes in and CBA is at a $100, you only buy one share. The following week, the same thing goes in, and it's $20 per share. Your $100 buys five of those. And that's essentially what we wanna do with your super. We wanna have your contributions going in continuously over time so that we take advantage your contributions by less units of those investments when the market is higher. And when the market is lower, we take advantage and buy into the dip. And doing that by dollar cost averaging means we don't have to time the market. We continuously stay invested and take advantage of whatever the market is doing at that particular time. Does that make sense? Yeah. Yeah. It sort of works out that by doing that over time, you actually buy more units of the investments because you are taking advantage of the ups and downs the market's providing. But then you also help to lower certain risks like market risk and timing risk. Essentially, one of the biggest things, there have been some really great reports over the years where, investment managers have sort of averaged looking at time in the market versus time in the market. And it's actually showing that people who invest in the market and continuously add money throughout the ups and downs actually come out providing a much greater level of return than they had if they tried to time and pick the top and the bottom of the market. And if you miss the top and the bottom of the market, it can, over time, have a greater effect, and you could miss out on thousands of dollars. So there is definitely a good argument for staying invested and just spending time in the market going through the ups and downs rather than trying to pick the top and the bottom in the market and missing that point. So Mhmm. Yes. Yeah. That's selling an investment. Yeah. Look. We've been we've been watching it. There's it's not that it won't. It's more that it can take quite some time to do so. With where it has, it's sort of taken a bit of a dip this year. We've sort of been hoping it's gonna come back, but the underlying issues with it and there have been some pretty large sell offs. So, realistically, we don't see it as a quality investment to keep you in long term. They've just had too many ups and downs. They've just had this issue, which I mean, they can't get away from it. It's an issue with one of their underlying investments now, and that issue will sort of stick around for a while. So they could definitely come back and get back to where it was. However, as yeah. Our investment committee as a business's desire is really not worth keeping you in. It is just too high a risk to sort of sit there and go, hey. What if it takes six or ten years to come out, and you're sitting there waiting for this investment? What if it doesn't and it does continue to decrease? So, essentially, the investment committee looked at everything. They went, no. No. No. It's time to get rid of that. We're gonna move it out. There has been some very large sell off of the investment as well, which has well, which has kind of continued to create this issue. But, yeah, I mean, we can do that now and just do a quick switch, or I can just wait for another month and have that conversation with you about everything as a whole, and we sort of look at the total strategy for you because a few more weeks shouldn't be that shouldn't be too bad. You could do yes. Yeah. Yeah. Yeah. So, look, you you could definitely you're fine. Yeah. No. You're fine. Honestly, ask these questions. It's really important to have this conversation and kind of put everything on the table, and there's no such thing as a silly question to ask anything you have, Matthew. I love it. Yeah. Yeah. It has has done very, very nicely. Yeah. Definitely. And, look, that area in the sim tech is definitely one of the areas of significant growth over the past couple of years. We, you know, have enjoyed what that's been doing. Gold is another area. I know gold's taken a bit of a hit in the last couple of weeks, but overall has still been at some really highs. Yeah. No. Honestly, like, with where you are at the moment, you could look to be I mean, as I said, during that high growth kind of environment, you could look to go a little bit more aggressive. Essentially, the high growth portfolio or the high growth sort of environment suits someone who has at least eight years before they're wanting to access their money, and that is because you are sort of taking on more risk in the market to try and obtain those greater returns. However, it is important to note that by taking on more risk and being in those sort of high growth environments, there is a point where we do see market downturns, and you will feel those especially as your balance increases. And in the high growth environment, we can expect a negative return, one in sort of every six years as well. So as long as you're happy with that, that's absolutely fine. If you wanted to look at going a little bit more aggressive, then we'll do a risk profile questionnaire shortly to sort of see where you're sitting. But the aggressive investor profile is essentially a 100% invested in equities, not sort of seeing any defensive low risk investments. And defensive investments like that are things like cash, bonds, and fixed interest. Having some of those in your portfolio can help to limit market fluctuations, especially when equities aren't doing so well. Things like fixed interest and bonds also help to provide a bit of income. That's another aspect of what we're wanting out of your portfolio is income to be generated, the dividends from the shares and the investments you have, but also income generated from fixed interest and bonds. That'll get paid into your cash account, and we reinvest that back into your portfolio for the compounding effect. And that's sort of how compounding works. It's about generating income and or growth that can be cemented and reinvested back into your portfolio. So that growth that is that growth ends up becoming part of your capital, and that tends to generate growth. That that's how compounding works long time long term. With the aggressive aggressive sort of portfolio, we are chasing to try and get returns of 11 to 13% because you are taking on a lot more risk, and you can expect a likelihood of a negative return sort of one in every three years. So it is a bit more risk in the market. You do expect more negative returns with the ups and downs the market does feel, and the aggressive portfolio does suit suit someone who's willing to not access their money for the next sort of ten years or longer. Yeah. Yeah. Yeah. Yeah. No. The market definitely has been up and down a little bit. And you are also paying for your insurances out of the super as well. So you do have your life, your income protection, and that premium does come out on a yearly basis. At the moment, the premium paid for this year was about $1,528. Yeah. Yeah. But, look, honestly, the high grade portfolio is absolutely fine if you're comfortable staying in that area. We can look to substitute growth and income with additional contributions. And sometimes even putting something as little as, you know, twenty or fifty dollars on a weekly or fortnightly basis to begin with can be really beneficial for you so far in helping to, you know, compound that effect and provide additional growth. Generally, starting that now as opposed to the next sort of five or ten years down the track provides greater benefit to you as well because of the the longer term, you know, starting off and the compounding effect there. But look. What we what I'd probably look at doing is just not making the switch right now. I know we wanna get rid of Bennelong, and that's absolutely fine. I'll maybe have a chat to you in about four weeks since Sammy gives you a call. We can talk more about your circumstances, look at what expendable cash you have, whether we look at increasing contributions into super. I can do some research around some investment options to remove Van Alarm and replace that with as well. And then we can also talk about looking at investing outside of super. And I can do have a plan for you that outlines what we do inside super with regard to investment switching and whether contributions and how that looks like over the next five to ten years for you. But then we can also incorporate into that same advice document investing in your own name outside of super and what that looks like for you as well. So you can kinda get an idea of where the road map is for you both with super inside and outside of super. Does that sound like a good idea? Do you feel comfortable with that? Or Yeah. Absolutely. Beautiful. Yeah. No. Absolutely. Yeah. Okay. Absolutely. Absolutely. Make sure we get that plan sorted. And I think it's a good idea to look at your circumstances as a whole. I mean, there's nothing wrong with doing little bits of a plan at a time, but I do like to be able to incorporate all of your circumstances and really look at the whole road map to see where you're sort of tracking for. And a bigger plan encompassing all of your circumstances, both wealth inside and outside of super does work in best interest for you rather than providing little bits of advice here and there. There's nothing wrong with it in the longer term, but it does make it easier for you to sort of have that road map to kinda give you some clarity long term. So I do like the idea of being able to do everything as one. And I've Sammy's sitting right next to me, and she knows that we'll do a bit of a call in the next four weeks, book you back in, and we can really look at your circumstances as a whole, look at what you're after. And it gives you a bit of time to think about your goals as well. Look at think about what you wanna do, what financial freedom feels like to you, and what you where you wanna be in the next sort of ten years so we can really work on trying to meet those goals for you. Okay? Yeah. Beautiful. Fantastic. So, look, your sleep, as I said, has done really well. We'll keep monitoring things over the next couple of weeks, and we'll have that conversation again. You can see on the bottom of that summary document there as well, we've also got your insurances. So you've got your life and your TPD cover and income protection. Do you understand how those insurances work, what they are, what they cover? Did you have any questions around any of those types of cover? The summary. Yeah. On the bottom of that page. No. That's okay. Yeah. That's the one. Yep. It's on the bottom just under your super balance. Yeah. No. That's okay. So with the rinse with your life cover, it obviously pays out a lump sum benefit in the event that you're unable to go to work. I know with you having in the process of selling the property that you do have there at the moment, you're currently insured for 826,875. Plus if you were to then pass away, your super benefit is paid out on top of that. So it means your beneficiary can also access that 162107 based on the current balance. Do you feel like that's a comfortable level of life cover for you? Yeah. Yeah. That's alright. Look. Honestly, that is the one thing. We have these have these sorts of insurances, and we have beneficiaries in place to make sure that if something was to happen, that we have, you know, all of that covered and that the money can be paid to where you want it to go. But at the end of the day, you always just wanna be able to make sure nothing happens to you and that you get to retirement and that you can enjoy your life you've worked so hard for. So I absolutely agree with you there. Yeah. With your benefit of your life cover and your super, where is it that you are sort of wanting to have that paid? I can see you've got beneficiaries here, and you have currently on your super 32% paid to Alexander. I've got 36% to Jordan and 32% to Sophie. Are you happy with how that is all nominated? Yep. Beautiful. With just a little bit more. Lucky duck. No. All good. Now with 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Matthew. It's Dana from OC Financial. How are you this afternoon? I'm very well. Thank you.\n\nThanks for asking. I had to book in to go through your annual review today. Is now still a good time there for you? Fantastic. Matthew, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.\n\nAre you happy for us to proceed with that? Fabulous. And this is a security day with you as well, just to confirm your full name, your date of birth, and address I should have on file. Legend. Thank you so much for that.\n\nMatthew, before we jump into the interview, I know you have spoken to my colleague Samantha there, and you wanted to sort of have a bit of a chat about, you know, where your position looks like and what we can do moving forward to kinda help you along. Is there anything specific otherwise or anything else that you wanted me to sort of touch on as part of your annual review? Or yeah. Of course. Yeah.\n\nYeah. Absolutely. No. We can definitely help you with that. It's not a problem at all.\n\nWell, what we'll do if you like, we'll start by going through and giving you an update on your super, have a bit of a chat about what's happening there. We'll talk about the insurance that you do have as well. And then as we are going through and updating all of your circumstances, we can talk about what your goals are, what you're looking for moving forward. And, you know, I can sort of give you some guidance there, and we can talk about what we need in order to help provide the advice in those areas for you. Does that sound okay?\n\nYep. Fantastic. And I know the email you saw would have been our recent newsletter with Tom's scenario in it. That would have been the from the recent newsletter. Yeah.\n\nYou're right. Yeah. You're right. Yes. Yeah.\n\nYeah. That's the one. About some yeah. No. Of course.\n\nUnderstandable. And, look, it is a really great case study, and it can definitely show you where things can go. Obviously, Tom's scenario, there was a few additional things there. As you kind of read through the case study, you sort of see that he's had income increases along the way. And instead of using that money to other areas, he's invested that money in both his super and possibly externally.\n\nIt kinda doesn't break down whether there's a investment account there at all. But, essentially, with Tom's scenario, with all of the increases in wages, he's investing more into his suit for his salary sacrifice and and definitely purchasing a home and building wealth that way, paying down the property as much as possible. But at the very end of the scenario, with the difference there, he starts off with about 70 odd thousand in net assets, but then ends up with 800,000 in five years. So with Tom's scenario, that is net asset. So that's essentially all of his assets minus the debt, and that leaves you with your net assets.\n\nAnd, look, it's not impossible to get to obtain. It's more just about an individual client scenario. So your circumstances could be very different. So it's about providing a road map, yeah, looking at your goals and providing advice and a road map to help you to get to your, you know, TOMS scenario, essentially, to help you meet your goals in the best way that suits you as well because your circumstances look like they have definitely changed a little bit over the last twelve months there, but I'm more than happy to help you. Would love to sort of look at what we can do moving forward and help to boost, a, your suit, but also, wealth in other areas for you as well.\n\nOkay. Fantastic. Now, Matthew, we do also send through an annual review path to you just with some documents, that we go through as part of the annual review. I am sending that email to you now. That way it is in your email.\n\nIt's good to go. If you're able to look at that, absolutely fantastic. If you're not, that is honestly okay as well. It does have a sense of your ongoing service agreement for the next twelve months, and we do also have a tax file opt in form. So we just like to make sure you are aware.\n\nWe do hold your tax file number, but that document outlines how and why we hold your tax file number. And we are very security conscious as what's going on in the world as well, so making sure that we do security with you whenever you call us or we call you so as no one is pretending to be you and we don't give any information, we shouldn't to anyone that isn't you as well. Okay. Beautiful. All good.\n\nIf you are able to look at that email there, on the when you open it on the attachments, I do have the essentially a summary of your superannuation and insurances there as well as an updated super report for you just to sort of show you how that has been going. It is not working. Yeah. No. That's okay.\n\nScroll down from that one, and if you see, you'll see some attachments. So it should be yeah. That's the one. One of them should say superannuation and insurances or summary of superannuation insurances. Yeah.\n\nThat's the one there. Yeah. Fantastic. Might be taking a second. Yeah.\n\nBeautiful. Beautiful. Now having a look back at your last annual review, your balance then was about a 125,209 and 99¢ there. So having a look at things as of the twenty twenty sixth of June here, your balance is up to a 162,107 and 86¢. So it is good.\n\nIt has definitely grown. When we have a look and sorry. With that document, if you have a look at the next document, it should be the next one down. It's the heading on that one would be hub twenty four performance. Can you see that document there as well?\n\nYep. Fantastic. So opening that one along. Beautiful. The first page of that document essentially outlines all the individual investments and how they have performed over the past twelve months there for you.\n\nWhat to make it easier on you, if you scroll to the second page of that one and look at the second last column, it's showing you the internal rate of return of essentially the percentage of the growth and income that your super has provided over the last twelve months, and it shows that net of fees, you've made 10.69%. Yeah. So it is a good positive return there. Having a look at, obviously, how you are invested within your super, you're in more of a high growth portfolio, which is where you're sort of trying to obtain a bit more growth. Happy to take on more of the ups and downs in market fees in order to obtain greater returns.\n\nYeah. With that sort of high growth environment, you see generally 90% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities like gold and silver there as well. And then just a small component about 10% of your super in low risk defensive investments. So it is about seeking greater risk to obtain that greater growth.\n\nThis sort of a portfolio over a on a yearly basis, we're trying to obtain about a an eight to 10% return is what you're sort of averaging or hoping to achieve. So anything above that 10% is essentially your portfolio overperforming or outperforming and doing very, very well. Anything under that 10% is seen as underperformance there. So your portfolio has performed a little bit greater than the 10% as a net return, which is great. It's what we wanna see, but we wanna see that continue and continue to compound for you.\n\nOne of the biggest things with our super is that we start off with a low balance, and we slug it out getting our contributions in to get our super balance up to that sort of 250 mark, between 200 to 250 mark. And then once we kinda see our balance hit that mark, the compounding increases significantly. If you sort of think about, you know, getting a 5% return on, say, a balance of $50,000, it's about, you know, 2,500 for the year. If you think about that same 5% return on someone with a $250,000 balance, the 5% is $12,500. And then if you continue, that just continues growing.\n\nSo it's about trying to get your balance up as high as you possibly can so that the compounding effect really starts to grow and work. And as your balance increases, smaller changes in the market really make a big difference, and and the earnings increase along with that. So that's essentially the hardest part of getting super to start working for you, but you are very much on track to doing that. Your super has grown really, really well, and you're up to that one sixty two, 107 now. So it is good to see.\n\nYeah. Yeah. Yep. Yep. Yeah.\n\nI'm just having a quick look as well at the original advice document just to see what was projected in the first five years for you, just to sort of see how on track you are to that. So beautiful. So you came on board in November 2023 there. Slow down. Yeah.\n\nNot bad at all. And we did project in five years from when you came on board your balance to be around about $201,601.11. So you are pretty well on track for that. We can definitely get your balance up over that kind of mark in the next sort of two, two and a half odd years. The other sort of thing to look at is maybe looking to increase contributions.\n\nAre you in a position where you could maybe look to start salary sacrificing or increasing contributions in to help sort of build that compounding effect earlier, or is your circumstances not really allow? Okay. Yeah. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yeah. Right into it.\n\nYeah. Yep. Yeah. No. That's absolutely fine.\n\nSo you're looking at more of a ten year horizon there with your investing side of things. The main thing with with the property investment side of things at the moment, there is a few unknowns to consider. So property investment is great. There's nothing wrong with that. Essentially, in order to Essentially, in order to get a property, you just need to make sure you do have, obviously, capital to be able to do that.\n\nI can see here that with everything going through, that property that you have now is being sold. The loan will be cleared, and you and your ex partner will be splitting that 50%. Is that right? Yeah. Oh, yeah.\n\nCould reduce the profit. Yeah. Yeah. Absolutely. No.\n\nDefinitely. Completely understand. And, look, that's one less headache to have. And, I mean, property investment is a great idea. The biggest sort of unknown we have at the moment is that there is that legislation that's possibly going through after the budget where in order to be able to access negative gearing, we do have to be able to possibly buy a brand new kinda off the plan property to create new housing demand.\n\nSo there are a lot of unknowns with the property market at the moment and investing in the property market. Essentially, a lot of the clients I'm speaking to at the moment, we're sort of holding off to see what sort of comes of this legislation from the budget to see where that goes, mostly because if they buy a preexisting home and this legislation goes through, it does mean they're not gonna be able to utilize negative gearing. And when we are on a higher income, our income's increasing. We wanna be able to utilize any tax advantage we can to pay as little tax as possible. It's all about paying a fair tax, not too much or, you know, too little.\n\nSo it is a little bit out there, but, I mean, property investment isn't off the chart. It is definitely something you can do. There are other ways to structure investments, though. So you could look at doing it two ways, and, realistically, it all comes down to what your goals are, what you wanna achieve in the next ten years. Are you hoping to build enough wealth that you, you know, are able to stop working in the next ten years or have the option of working, or are you just wanting to build up enough wealth to kinda supplement super in retirement?\n\nBut we can also build portfolios very similar to what you have in your super in your own name, and we have structures like investment accounts that suit smaller balances and be able to build wealth that way. We have this investment accounts that can take on larger balances to begin with. We've also got access to, like, investment bonds and things like that that allow you to build investments in your own name without having to suffer tax consequences as well, and those sorts of things suit someone who's got a ten year horizon or not wanting to access that those funds for about ten years and build wealth in the background. So there are lots of different options that we have to be able to build investments outside of super. The other option is if you're more just wanting to kinda build for your retirement and not sort of looking at, you know, having anything in your own name and risking the sort of tax consequences of building investments in your own name, you can just be building your super.\n\nObviously, super is a tax haven, putting money into super additional contributions. It is taxed only 15% inside super instead of your marginal tax rate. The only sort of downside to super is that you can't access the funds until you meet the condition of release. So turn 60 and fully retire or 65 if you continue to work beyond that. So it just comes down to what your goals are, what's more important to you.\n\nDo you think you're wanting to sort of focus on sleep, or would you like to build wealth outside and and over the next ten years? What would you like to do? Mhmm. Yeah. Yeah.\n\nYeah. Yeah. Yeah. Yep. That's okay.\n\nYeah. Absolutely. Yeah. There's a lot to talk a lot to think about. No.\n\nWell, look. It honestly sounds like building wealth outside of super is the right aspect for you. It is a goal of yours. You are sort of wanting to you know, ten year time horizon definitely works for being able to build wealth outside of super. What I would probably look at doing for you is because we need to sort of understand how much you have available to you is once you've gone through that property sale, once you've sort of understand a bit more about how much cash you have flexible to you, let's maybe have more of a conversation.\n\nI can book you back in a few weeks when you're ready to do so. We can talk about, you know, what your income looks like, what your expendable income looks like. We can do a risk profile, and we can look at investing outside of Super for you in other structures. And I can drop a advice document for you that essentially outlines what we're looking at there. Document for you that essentially outlines what we're looking at there and make a recommendation on how it's structured, what to invest the money in, how to build it over time, and give you kind of that projected outcome that you're sort of after to show you where we are tracking for very similar to how we are in.\n\nDoes that sound okay with you? Yep. Beautiful. I think for the moment, we just sort of let you get over the hurdle with the property, go through the settlement, get that sorted first so you're not putting too much on your plate and, you know, we're not overloading you in any way, shape, or form, and then we can come back when you're ready. I can get Samantha to give you a call in another, you know, three or four or six weeks depending on what you're comfortable with, and she can then book you back in a month.\n\nYep. Yep. Yeah. Beautiful. Excellent.\n\nHaving a look at your super, I can that there are some changes to the investment portfolio that I would also like to make for you. I can do one of two options. I can look at making some changes to the investments now, or I can just hold off because your portfolio has done really well. You've got a lovely 10% return there. Things are working nicely.\n\nI can always just hold off on making changes to your super, and we kind of look at super and investment as a whole and do, you know, a nice big strategy across everything. Would you like me just to hold off on making changes at now and maybe incorporate that into the big plan so we can look at where you're tracking with both super and investments outside of super to sort of see how that looks for you and give you a nice five to ten year plan that see how we're tracking? Well, I can see here with your investments, if you're looking at the port the portfolio report, the hub twenty four one, the top investments have been along Australian equities. So that one there is underperforming a little bit in your portfolio. So you'll see there if you look at the second last column, it's got the brackets in the 19.14% in there.\n\nSo it does show that that is down by about 19.14% for the year. Essentially, when I assess whether an investment itself is underperforming or whether it is just due to normal market reactions, we assess the investment against how, say, the benchmark is going or how other areas within that that sort of area are. That's an Australian equities fund. So, essentially, we'd be looking at how Australian equities have performed. And whilst we have seen those market ups and downs with what's been going on between The US and Iran, the issues within that Benelon Australian equities and the reason that it is down doesn't have anything to do with that.\n\nEssentially, Benelon and the investment fund itself have had some individual issues with their investment option there, and that is causing that to be down, and it hasn't kinda come back and shown any kind of recovery. If you kind of look about three investments down, you've got the bank hybrid, the cybersecurity, and then you've got the other one there, which is the keywords. That's the Australian that's Australian Raffy. That's Australian equities as well, and that's essentially doing very, very well. That's showing you a positive of 16.99% for the year.\n\nSo you can kinda see the difference. Yes. That's exactly right. The brackets show a negative a negative figure or a negative return. Yeah.\n\nYeah. And so you can see with the absolutely. I can have a look at the report. Yeah. That's okay.\n\nI can have a look for you. I've got the reports here as well. So the 2024 annual review report showed you were at 13.49% for that year. And then if I go back to the 2023 we didn't have a report then. So 2024 was your first annual review, and, yeah, it was.\n\nYou were up 13.49% for that year, and then this last twelve months, it's showing that 10.69%. So it is a bit lower in saying that, we understand, well, markets do go up and down. So there are gonna be years when you get, say, a thirteen, fifteen, or 20% return, but then other years when you only get a four or five or 10% return. And that's because markets do fluctuate. There are ups and downs to be considered.\n\nAdmittedly, if Bannalong was performing better this year, you could have seen a much greater level of return out of your portfolio than what you had seen. So Bannalong has had a bit of an effect there, but it's also got to do with the market as a whole with the ups and downs. And one of the good things about your contributions continuing to go in is that you are dollar cost averaging in the market, and we're taking advantage of the ups and downs. One of the biggest things that I try to sort of stress is that we don't time the market. We don't try to pick the top and the bottom of the market.\n\nWe essentially wanna be taking advantage of what the market's doing and having our contributions going in regularly. And now that our employer contributions are required to go in without pay, we're gonna see much greater dollar cost averaging. So when the market is doing really well, you, say, had CBA shares, you put a $100 in and they're $50 per share, that $100 buys two of those shares. If then the next week get paid and your $100 goes in and CBA is at a $100, you only buy one share. The following week, the same thing goes in, and it's $20 per share.\n\nYour $100 buys five of those. And that's essentially what we wanna do with your super. We wanna have your contributions going in continuously over time so that we take advantage your contributions by less units of those investments when the market is higher. And when the market is lower, we take advantage and buy into the dip. And doing that by dollar cost averaging means we don't have to time the market.\n\nWe continuously stay invested and take advantage of whatever the market is doing at that particular time. Does that make sense? Yeah. Yeah. It sort of works out that by doing that over time, you actually buy more units of the investments because you are taking advantage of the ups and downs the market's providing.\n\nBut then you also help to lower certain risks like market risk and timing risk. Essentially, one of the biggest things, there have been some really great reports over the years where, investment managers have sort of averaged looking at time in the market versus time in the market. And it's actually showing that people who invest in the market and continuously add money throughout the ups and downs actually come out providing a much greater level of return than they had if they tried to time and pick the top and the bottom of the market. And if you miss the top and the bottom of the market, it can, over time, have a greater effect, and you could miss out on thousands of dollars. So there is definitely a good argument for staying invested and just spending time in the market going through the ups and downs rather than trying to pick the top and the bottom in the market and missing that point.\n\nSo Mhmm. Yes. Yeah. That's selling an investment. Yeah.\n\nLook. We've been we've been watching it. There's it's not that it won't. It's more that it can take quite some time to do so. With where it has, it's sort of taken a bit of a dip this year.\n\nWe've sort of been hoping it's gonna come back, but the underlying issues with it and there have been some pretty large sell offs. So, realistically, we don't see it as a quality investment to keep you in long term. They've just had too many ups and downs. They've just had this issue, which I mean, they can't get away from it. It's an issue with one of their underlying investments now, and that issue will sort of stick around for a while.\n\nSo they could definitely come back and get back to where it was. However, as yeah. Our investment committee as a business's desire is really not worth keeping you in. It is just too high a risk to sort of sit there and go, hey. What if it takes six or ten years to come out, and you're sitting there waiting for this investment?\n\nWhat if it doesn't and it does continue to decrease? So, essentially, the investment committee looked at everything. They went, no. No. No.\n\nIt's time to get rid of that. We're gonna move it out. There has been some very large sell off of the investment as well, which has well, which has kind of continued to create this issue. But, yeah, I mean, we can do that now and just do a quick switch, or I can just wait for another month and have that conversation with you about everything as a whole, and we sort of look at the total strategy for you because a few more weeks shouldn't be that shouldn't be too bad. You could do yes.\n\nYeah. Yeah. Yeah. So, look, you you could definitely you're fine. Yeah.\n\nNo. You're fine. Honestly, ask these questions. It's really important to have this conversation and kind of put everything on the table, and there's no such thing as a silly question to ask anything you have, Matthew. I love it.\n\nYeah. Yeah. It has has done very, very nicely. Yeah. Definitely.\n\nAnd, look, that area in the sim tech is definitely one of the areas of significant growth over the past couple of years. We, you know, have enjoyed what that's been doing. Gold is another area. I know gold's taken a bit of a hit in the last couple of weeks, but overall has still been at some really highs. Yeah.\n\nNo. Honestly, like, with where you are at the moment, you could look to be I mean, as I said, during that high growth kind of environment, you could look to go a little bit more aggressive. Essentially, the high growth portfolio or the high growth sort of environment suits someone who has at least eight years before they're wanting to access their money, and that is because you are sort of taking on more risk in the market to try and obtain those greater returns. However, it is important to note that by taking on more risk and being in those sort of high growth environments, there is a point where we do see market downturns, and you will feel those especially as your balance increases. And in the high growth environment, we can expect a negative return, one in sort of every six years as well.\n\nSo as long as you're happy with that, that's absolutely fine. If you wanted to look at going a little bit more aggressive, then we'll do a risk profile questionnaire shortly to sort of see where you're sitting. But the aggressive investor profile is essentially a 100% invested in equities, not sort of seeing any defensive low risk investments. And defensive investments like that are things like cash, bonds, and fixed interest. Having some of those in your portfolio can help to limit market fluctuations, especially when equities aren't doing so well.\n\nThings like fixed interest and bonds also help to provide a bit of income. That's another aspect of what we're wanting out of your portfolio is income to be generated, the dividends from the shares and the investments you have, but also income generated from fixed interest and bonds. That'll get paid into your cash account, and we reinvest that back into your portfolio for the compounding effect. And that's sort of how compounding works. It's about generating income and or growth that can be cemented and reinvested back into your portfolio.\n\nSo that growth that is that growth ends up becoming part of your capital, and that tends to generate growth. That that's how compounding works long time long term. With the aggressive aggressive sort of portfolio, we are chasing to try and get returns of 11 to 13% because you are taking on a lot more risk, and you can expect a likelihood of a negative return sort of one in every three years. So it is a bit more risk in the market. You do expect more negative returns with the ups and downs the market does feel, and the aggressive portfolio does suit suit someone who's willing to not access their money for the next sort of ten years or longer.\n\nYeah. Yeah. Yeah. Yeah. No.\n\nThe market definitely has been up and down a little bit. And you are also paying for your insurances out of the super as well. So you do have your life, your income protection, and that premium does come out on a yearly basis. At the moment, the premium paid for this year was about $1,528. Yeah.\n\nYeah. But, look, honestly, the high grade portfolio is absolutely fine if you're comfortable staying in that area. We can look to substitute growth and income with additional contributions. And sometimes even putting something as little as, you know, twenty or fifty dollars on a weekly or fortnightly basis to begin with can be really beneficial for you so far in helping to, you know, compound that effect and provide additional growth. Generally, starting that now as opposed to the next sort of five or ten years down the track provides greater benefit to you as well because of the the longer term, you know, starting off and the compounding effect there.\n\nBut look. What we what I'd probably look at doing is just not making the switch right now. I know we wanna get rid of Bennelong, and that's absolutely fine. I'll maybe have a chat to you in about four weeks since Sammy gives you a call. We can talk more about your circumstances, look at what expendable cash you have, whether we look at increasing contributions into super.\n\nI can do some research around some investment options to remove Van Alarm and replace that with as well. And then we can also talk about looking at investing outside of super. And I can do have a plan for you that outlines what we do inside super with regard to investment switching and whether contributions and how that looks like over the next five to ten years for you. But then we can also incorporate into that same advice document investing in your own name outside of super and what that looks like for you as well. So you can kinda get an idea of where the road map is for you both with super inside and outside of super.\n\nDoes that sound like a good idea? Do you feel comfortable with that? Or Yeah. Absolutely. Beautiful.\n\nYeah. No. Absolutely. Yeah. Okay.\n\nAbsolutely. Absolutely. Make sure we get that plan sorted. And I think it's a good idea to look at your circumstances as a whole. I mean, there's nothing wrong with doing little bits of a plan at a time, but I do like to be able to incorporate all of your circumstances and really look at the whole road map to see where you're sort of tracking for.\n\nAnd a bigger plan encompassing all of your circumstances, both wealth inside and outside of super does work in best interest for you rather than providing little bits of advice here and there. There's nothing wrong with it in the longer term, but it does make it easier for you to sort of have that road map to kinda give you some clarity long term. So I do like the idea of being able to do everything as one. And I've Sammy's sitting right next to me, and she knows that we'll do a bit of a call in the next four weeks, book you back in, and we can really look at your circumstances as a whole, look at what you're after. And it gives you a bit of time to think about your goals as well.\n\nLook at think about what you wanna do, what financial freedom feels like to you, and what you where you wanna be in the next sort of ten years so we can really work on trying to meet those goals for you. Okay? Yeah. Beautiful. Fantastic.\n\nSo, look, your sleep, as I said, has done really well. We'll keep monitoring things over the next couple of weeks, and we'll have that conversation again. You can see on the bottom of that summary document there as well, we've also got your insurances. So you've got your life and your TPD cover and income protection. Do you understand how those insurances work, what they are, what they cover?\n\nDid you have any questions around any of those types of cover? The summary. Yeah. On the bottom of that page. No.\n\nThat's okay. Yeah. That's the one. Yep. It's on the bottom just under your super balance.\n\nYeah. No. That's okay. So with the rinse with your life cover, it obviously pays out a lump sum benefit in the event that you're unable to go to work. I know with you having in the process of selling the property that you do have there at the moment, you're currently insured for 826,875.\n\nPlus if you were to then pass away, your super benefit is paid out on top of that. So it means your beneficiary can also access that 162107 based on the current balance. Do you feel like that's a comfortable level of life cover for you? Yeah. Yeah.\n\nThat's alright. Look. Honestly, that is the one thing. We have these have these sorts of insurances, and we have beneficiaries in place to make sure that if something was to happen, that we have, you know, all of that covered and that the money can be paid to where you want it to go. But at the end of the day, you always just wanna be able to make sure nothing happens to you and that you get to retirement and that you can enjoy your life you've worked so hard for.\n\nSo I absolutely agree with you there. Yeah. With your benefit of your life cover and your super, where is it that you are sort of wanting to have that paid? I can see you've got beneficiaries here, and you have currently on your super 32% paid to Alexander. I've got 36% to Jordan and 32% to Sophie.\n\nAre you happy with how that is all nominated? Yep. Beautiful. With just a little bit more. Lucky duck.\n\nNo. All good. Now with your","paragraphs":[{"sentences":[{"text":"Hi, Matthew.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.01577642234042287},{"text":"It's Dana from OC Financial.","start":3.6,"end":5.06,"sentiment":"neutral","sentiment_score":0.08306626006960868},{"text":"How are you this afternoon?","start":5.12,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.13865601122379304},{"text":"I'm very well.","start":8.639999,"end":9.44,"sentiment":"positive","sentiment_score":0.5277044971783956},{"text":"Thank you.","start":9.44,"end":9.84,"sentiment":"positive","sentiment_score":0.6586055755615234}],"sentiment":"neutral","sentiment_score":0.2376758143415346,"num_words":17,"start":2.8799999,"end":9.84},{"sentences":[{"text":"Thanks for asking.","start":9.84,"end":10.8,"sentiment":"positive","sentiment_score":0.6196099519729614},{"text":"I had to book in to go through your annual review today.","start":10.8,"end":13.12,"sentiment":"neutral","sentiment_score":0.20341782892743746},{"text":"Is now still a good time there for you?","start":13.12,"end":15.139999,"sentiment":"neutral","sentiment_score":0.20508037590318257},{"text":"Fantastic.","start":16.925,"end":17.425,"sentiment":"positive","sentiment_score":0.5831713676452637},{"text":"Matthew, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":18.125,"end":22.785,"sentiment":"neutral","sentiment_score":0.18403981084173376}],"sentiment":"neutral","sentiment_score":0.22931094451787623,"num_words":47,"start":9.84,"end":22.785},{"sentences":[{"text":"Are you happy for us to proceed with that?","start":22.845,"end":24.865,"sentiment":"neutral","sentiment_score":0.21538999676704407},{"text":"Fabulous.","start":26.605,"end":27.105,"sentiment":"positive","sentiment_score":0.6061787605285645},{"text":"And this is a security day with you as well, just to confirm your full name, your date of birth, and address I should have on file.","start":27.244999,"end":35.72,"sentiment":"neutral","sentiment_score":0.1508180700518467},{"text":"Legend.","start":40.34,"end":40.739998,"sentiment":"neutral","sentiment_score":0.2107914388179779},{"text":"Thank you so much for that.","start":40.739998,"end":42.52,"sentiment":"positive","sentiment_score":0.6096124251683553}],"sentiment":"neutral","sentiment_score":0.23830096846954388,"num_words":44,"start":22.845,"end":42.52},{"sentences":[{"text":"Matthew, before we jump into the interview, I know you have spoken to my colleague Samantha there, and you wanted to sort of have a bit of a chat about, you know, where your position looks like and what we can do moving forward to kinda help you along.","start":42.98,"end":53.075,"sentiment":"neutral","sentiment_score":0.20507550634899918},{"text":"Is there anything specific otherwise or anything else that you wanted me to sort of touch on as part of your annual review?","start":53.695,"end":59.535,"sentiment":"neutral","sentiment_score":0.04197533995560978},{"text":"Or yeah.","start":59.535,"end":67.05,"sentiment":"neutral","sentiment_score":0.012121777981519699},{"text":"Of course.","start":67.270004,"end":67.93,"sentiment":"neutral","sentiment_score":0.09588464722037315},{"text":"Yeah.","start":72.645,"end":73.145,"sentiment":"neutral","sentiment_score":0.03245636820793152}],"sentiment":"neutral","sentiment_score":0.1462675564765156,"num_words":77,"start":42.98,"end":73.145},{"sentences":[{"text":"Yeah.","start":78.6525,"end":79.1525,"sentiment":"neutral","sentiment_score":0.011902570724487305},{"text":"Absolutely.","start":97.22,"end":97.72,"sentiment":"neutral","sentiment_score":0.1845393478870392},{"text":"No.","start":98.18,"end":98.340004,"sentiment":"neutral","sentiment_score":0.16145750880241394},{"text":"We can definitely help you with that.","start":98.340004,"end":99.845,"sentiment":"positive","sentiment_score":0.3552082734448569},{"text":"It's not a problem at all.","start":99.845,"end":101.125,"sentiment":"positive","sentiment_score":0.3357713520526886}],"sentiment":"neutral","sentiment_score":0.3036865908652544,"num_words":16,"start":78.6525,"end":101.125},{"sentences":[{"text":"Well, what we'll do if you like, we'll start by going through and giving you an update on your super, have a bit of a chat about what's happening there.","start":101.125,"end":106.985,"sentiment":"neutral","sentiment_score":0.1548555885752042},{"text":"We'll talk about the insurance that you do have as well.","start":107.045,"end":109.205,"sentiment":"neutral","sentiment_score":0.1545444591478868},{"text":"And then as we are going through and updating all of your circumstances, we can talk about what your goals are, what you're looking for moving forward.","start":109.205,"end":115.82,"sentiment":"neutral","sentiment_score":0.24200954757354878},{"text":"And, you know, I can sort of give you some guidance there, and we can talk about what we need in order to help provide the advice in those areas for you.","start":116.06,"end":122.54,"sentiment":"neutral","sentiment_score":0.26326894806697965},{"text":"Does that sound okay?","start":122.54,"end":123.68,"sentiment":"neutral","sentiment_score":0.18708131462335587}],"sentiment":"neutral","sentiment_score":0.212046597009668,"num_words":104,"start":101.125,"end":123.68},{"sentences":[{"text":"Yep.","start":125.42,"end":125.9,"sentiment":"positive","sentiment_score":0.4121885001659394},{"text":"Fantastic.","start":125.9,"end":126.4,"sentiment":"positive","sentiment_score":0.6585043668746948},{"text":"And I know the email you saw would have been our recent newsletter with Tom's scenario in it.","start":126.54,"end":130.245,"sentiment":"neutral","sentiment_score":0.09350663589106666},{"text":"That would have been the from the recent newsletter.","start":133.025,"end":134.965,"sentiment":"neutral","sentiment_score":0.01146557078593307},{"text":"Yeah.","start":138.785,"end":139.105,"sentiment":"neutral","sentiment_score":0.011076596565544604}],"sentiment":"neutral","sentiment_score":0.09560263489062587,"num_words":30,"start":125.42,"end":139.105},{"sentences":[{"text":"You're right.","start":139.105,"end":139.925,"sentiment":"neutral","sentiment_score":-0.017519956920295954},{"text":"Yeah.","start":156.435,"end":156.67499,"sentiment":"neutral","sentiment_score":0.02573343738913536},{"text":"You're right.","start":156.67499,"end":157.495,"sentiment":"neutral","sentiment_score":0.045411769300699234},{"text":"Yes.","start":164.915,"end":165.415,"sentiment":"neutral","sentiment_score":0.03500961512327194},{"text":"Yeah.","start":166.34,"end":166.81999,"sentiment":"neutral","sentiment_score":0.02908916585147381}],"sentiment":"neutral","sentiment_score":0.02080226330352681,"num_words":7,"start":139.105,"end":166.81999},{"sentences":[{"text":"Yeah.","start":166.81999,"end":167.14,"sentiment":"neutral","sentiment_score":0.026120012626051903},{"text":"That's the one.","start":167.14,"end":168.04,"sentiment":"neutral","sentiment_score":0.02491513267159462},{"text":"About some yeah.","start":168.98,"end":170.81999,"sentiment":"neutral","sentiment_score":0.006211709541579087},{"text":"No.","start":170.81999,"end":171.22,"sentiment":"neutral","sentiment_score":-0.03138132393360138},{"text":"Of course.","start":171.22,"end":171.78,"sentiment":"neutral","sentiment_score":0.02665940299630165}],"sentiment":"neutral","sentiment_score":0.014143802132457495,"num_words":10,"start":166.81999,"end":171.78},{"sentences":[{"text":"Understandable.","start":171.78,"end":172.28,"sentiment":"neutral","sentiment_score":0.04981506988406181},{"text":"And, look, it is a really great case study, and it can definitely show you where things can go.","start":172.58,"end":177.0,"sentiment":"positive","sentiment_score":0.42672757020122126},{"text":"Obviously, Tom's scenario, there was a few additional things there.","start":177.14,"end":180.735,"sentiment":"neutral","sentiment_score":0.013364413008093833},{"text":"As you kind of read through the case study, you sort of see that he's had income increases along the way.","start":180.815,"end":185.535,"sentiment":"neutral","sentiment_score":0.027510635820882662},{"text":"And instead of using that money to other areas, he's invested that money in both his super and possibly externally.","start":185.535,"end":192.495,"sentiment":"neutral","sentiment_score":0.02992921434342861}],"sentiment":"neutral","sentiment_score":0.13334634750556779,"num_words":71,"start":171.78,"end":192.495},{"sentences":[{"text":"It kinda doesn't break down whether there's a investment account there at all.","start":192.495,"end":196.435,"sentiment":"neutral","sentiment_score":-0.03884160595099764},{"text":"But, essentially, with Tom's scenario, with all of the increases in wages, he's investing more into his suit for his salary sacrifice and and definitely purchasing a home and building wealth that way, paying down the property as much as possible.","start":196.76001,"end":209.42,"sentiment":"neutral","sentiment_score":0.04545141950181526},{"text":"But at the very end of the scenario, with the difference there, he starts off with about 70 odd thousand in net assets, but then ends up with 800,000 in five years.","start":209.685,"end":220.08499,"sentiment":"neutral","sentiment_score":-0.04357620980590582},{"text":"So with Tom's scenario, that is net asset.","start":220.08499,"end":222.9,"sentiment":"neutral","sentiment_score":-0.014764424820896238},{"text":"So that's essentially all of his assets minus the debt, and that leaves you with your net assets.","start":222.9,"end":228.09999,"sentiment":"neutral","sentiment_score":0.04701645392924547}],"sentiment":"neutral","sentiment_score":0.0061813337551939185,"num_words":112,"start":192.495,"end":228.09999},{"sentences":[{"text":"And, look, it's not impossible to get to obtain.","start":228.09999,"end":231.08,"sentiment":"neutral","sentiment_score":0.04455700351132287},{"text":"It's more just about an individual client scenario.","start":231.3,"end":234.2,"sentiment":"neutral","sentiment_score":0.05700590368360281},{"text":"So your circumstances could be very different.","start":234.26,"end":236.73999,"sentiment":"neutral","sentiment_score":0.020207849464246204},{"text":"So it's about providing a road map, yeah, looking at your goals and providing advice and a road map to help you to get to your, you know, TOMS scenario, essentially, to help you meet your goals in the best way that suits you as well because your circumstances look like they have definitely changed a little bit over the last twelve months there, but I'm more than happy to help you.","start":236.73999,"end":256.81,"sentiment":"neutral","sentiment_score":0.25618587429117823},{"text":"Would love to sort of look at what we can do moving forward and help to boost, a, your suit, but also, wealth in other areas for you as well.","start":257.11,"end":264.16998,"sentiment":"positive","sentiment_score":0.5098275671402613}],"sentiment":"neutral","sentiment_score":0.2757041680197867,"num_words":126,"start":228.09999,"end":264.16998},{"sentences":[{"text":"Okay.","start":264.22998,"end":264.72998,"sentiment":"neutral","sentiment_score":0.14817191660404205},{"text":"Fantastic.","start":266.895,"end":267.395,"sentiment":"positive","sentiment_score":0.6289608478546143},{"text":"Now, Matthew, we do also send through an annual review path to you just with some documents, that we go through as part of the annual review.","start":268.01498,"end":274.755,"sentiment":"neutral","sentiment_score":0.2012025104076774},{"text":"I am sending that email to you now.","start":274.895,"end":276.895,"sentiment":"neutral","sentiment_score":0.17711935006082058},{"text":"That way it is in your email.","start":276.895,"end":278.335,"sentiment":"neutral","sentiment_score":0.23821294094835008}],"sentiment":"neutral","sentiment_score":0.21122831664979458,"num_words":44,"start":264.22998,"end":278.335},{"sentences":[{"text":"It's good to go.","start":278.335,"end":279.33,"sentiment":"positive","sentiment_score":0.4866664335131645},{"text":"If you're able to look at that, absolutely fantastic.","start":279.33,"end":281.75,"sentiment":"positive","sentiment_score":0.4398842818207211},{"text":"If you're not, that is honestly okay as well.","start":282.12997,"end":284.55,"sentiment":"neutral","sentiment_score":-0.06131829818089803},{"text":"It does have a sense of your ongoing service agreement for the next twelve months, and we do also have a tax file opt in form.","start":285.09,"end":291.695,"sentiment":"neutral","sentiment_score":0.10231967528279011},{"text":"So we just like to make sure you are aware.","start":291.695,"end":293.695,"sentiment":"neutral","sentiment_score":0.07935069799423218}],"sentiment":"neutral","sentiment_score":0.1518547952432057,"num_words":58,"start":278.335,"end":293.695},{"sentences":[{"text":"We do hold your tax file number, but that document outlines how and why we hold your tax file number.","start":293.695,"end":299.79498,"sentiment":"neutral","sentiment_score":0.057343303598463534},{"text":"And we are very security conscious as what's going on in the world as well, so making sure that we do security with you whenever you call us or we call you so as no one is pretending to be you and we don't give any information, we shouldn't to anyone that isn't you as well.","start":300.01498,"end":313.62003,"sentiment":"neutral","sentiment_score":-0.01233790342562965},{"text":"Okay.","start":313.62003,"end":314.12003,"sentiment":"neutral","sentiment_score":0.04301416128873825},{"text":"Beautiful.","start":315.7,"end":316.2,"sentiment":"positive","sentiment_score":0.5424195528030396},{"text":"All good.","start":316.42,"end":317.16,"sentiment":"positive","sentiment_score":0.4285896271467209}],"sentiment":"neutral","sentiment_score":0.023731955606490374,"num_words":80,"start":293.695,"end":317.16},{"sentences":[{"text":"If you are able to look at that email there, on the when you open it on the attachments, I do have the essentially a summary of your superannuation and insurances there as well as an updated super report for you just to sort of show you how that has been going.","start":317.78,"end":332.945,"sentiment":"neutral","sentiment_score":0.18589971801982477},{"text":"It is not working.","start":334.56,"end":337.06,"sentiment":"neutral","sentiment_score":-0.2203839235007763},{"text":"Yeah.","start":337.84,"end":338.34,"sentiment":"neutral","sentiment_score":-0.07311943173408508},{"text":"No.","start":340.72,"end":341.22,"sentiment":"neutral","sentiment_score":-0.18634149432182312},{"text":"That's okay.","start":341.36,"end":342.18,"sentiment":"neutral","sentiment_score":-0.08523394539952278}],"sentiment":"neutral","sentiment_score":0.13925534710288048,"num_words":60,"start":317.78,"end":342.18},{"sentences":[{"text":"Scroll down from that one, and if you see, you'll see some attachments.","start":342.48,"end":346.02,"sentiment":"neutral","sentiment_score":-0.011269728653132915},{"text":"So it should be yeah.","start":346.16,"end":348.08502,"sentiment":"neutral","sentiment_score":0.007610759325325489},{"text":"That's the one.","start":348.08502,"end":348.885,"sentiment":"neutral","sentiment_score":0.016324921200672787},{"text":"One of them should say superannuation and insurances or summary of superannuation insurances.","start":348.885,"end":354.505,"sentiment":"neutral","sentiment_score":0.008755904210444827},{"text":"Yeah.","start":356.165,"end":356.565,"sentiment":"neutral","sentiment_score":-0.010817182250320911}],"sentiment":"neutral","sentiment_score":0.0012437617206679924,"num_words":35,"start":342.48,"end":356.565},{"sentences":[{"text":"That's the one there.","start":356.565,"end":357.685,"sentiment":"neutral","sentiment_score":-0.0028267554007470608},{"text":"Yeah.","start":357.685,"end":358.185,"sentiment":"neutral","sentiment_score":0.023390844464302063},{"text":"Fantastic.","start":359.94,"end":360.44,"sentiment":"positive","sentiment_score":0.5351585149765015},{"text":"Might be taking a second.","start":364.1,"end":365.47998,"sentiment":"neutral","sentiment_score":0.017870496958494186},{"text":"Yeah.","start":375.39502,"end":375.89502,"sentiment":"neutral","sentiment_score":0.0029794941656291485}],"sentiment":"neutral","sentiment_score":0.05329785973299295,"num_words":12,"start":356.565,"end":375.89502},{"sentences":[{"text":"Beautiful.","start":377.555,"end":378.055,"sentiment":"positive","sentiment_score":0.3772265911102295},{"text":"Beautiful.","start":378.275,"end":378.775,"sentiment":"positive","sentiment_score":0.3688452243804931},{"text":"Now having a look back at your last annual review, your balance then was about a 125,209 and 99¢ there.","start":378.915,"end":386.86002,"sentiment":"neutral","sentiment_score":0.11161836491603601},{"text":"So having a look at things as of the twenty twenty sixth of June here, your balance is up to a 162,107 and 86¢.","start":386.86002,"end":395.5,"sentiment":"neutral","sentiment_score":0.12250608950853348},{"text":"So it is good.","start":395.5,"end":396.46002,"sentiment":"positive","sentiment_score":0.5389731228351593}],"sentiment":"neutral","sentiment_score":0.16334069372775653,"num_words":50,"start":377.555,"end":396.46002},{"sentences":[{"text":"It has definitely grown.","start":396.46002,"end":397.76,"sentiment":"positive","sentiment_score":0.4648785963654518},{"text":"When we have a look and sorry.","start":398.22,"end":400.125,"sentiment":"neutral","sentiment_score":0.04494701512157917},{"text":"With that document, if you have a look at the next document, it should be the next one down.","start":400.125,"end":404.22498,"sentiment":"neutral","sentiment_score":0.047340326599384606},{"text":"It's the heading on that one would be hub twenty four performance.","start":404.365,"end":407.50497,"sentiment":"neutral","sentiment_score":0.026497536338865757},{"text":"Can you see that document there as well?","start":407.645,"end":409.745,"sentiment":"neutral","sentiment_score":0.023226782912388444}],"sentiment":"neutral","sentiment_score":0.07154788792133332,"num_words":50,"start":396.46002,"end":409.745},{"sentences":[{"text":"Yep.","start":409.88498,"end":410.38498,"sentiment":"neutral","sentiment_score":0.05099448561668396},{"text":"Fantastic.","start":411.485,"end":411.985,"sentiment":"neutral","sentiment_score":0.22768449783325195},{"text":"So opening that one along.","start":412.125,"end":413.905,"sentiment":"neutral","sentiment_score":0.18119027316570283},{"text":"Beautiful.","start":414.125,"end":414.625,"sentiment":"positive","sentiment_score":0.3546285927295685},{"text":"The first page of that document essentially outlines all the individual investments and how they have performed over the past twelve months there for you.","start":415.28998,"end":422.99,"sentiment":"neutral","sentiment_score":0.24488707304000853}],"sentiment":"neutral","sentiment_score":0.2321647202426737,"num_words":33,"start":409.88498,"end":422.99},{"sentences":[{"text":"What to make it easier on you, if you scroll to the second page of that one and look at the second last column, it's showing you the internal rate of return of essentially the percentage of the growth and income that your super has provided over the last twelve months, and it shows that net of fees, you've made 10.69%.","start":423.37,"end":441.11502,"sentiment":"neutral","sentiment_score":0.16479986625128104},{"text":"Yeah.","start":443.06,"end":443.54,"sentiment":"neutral","sentiment_score":0.28012987971305847},{"text":"So it is a good positive return there.","start":443.54,"end":445.72,"sentiment":"positive","sentiment_score":0.3390072542242706},{"text":"Having a look at, obviously, how you are invested within your super, you're in more of a high growth portfolio, which is where you're sort of trying to obtain a bit more growth.","start":446.02002,"end":454.42,"sentiment":"neutral","sentiment_score":0.15758248034751776},{"text":"Happy to take on more of the ups and downs in market fees in order to obtain greater returns.","start":454.42,"end":459.685,"sentiment":"positive","sentiment_score":0.4569548195914218}],"sentiment":"neutral","sentiment_score":0.22071592769295464,"num_words":122,"start":423.37,"end":459.685},{"sentences":[{"text":"Yeah.","start":459.905,"end":460.405,"sentiment":"neutral","sentiment_score":0.317607045173645},{"text":"With that sort of high growth environment, you see generally 90% of your super invested in growth assets.","start":460.945,"end":466.465,"sentiment":"positive","sentiment_score":0.3540354313121902},{"text":"So thinking things like Australian shares, international shares, listed property, and commodities like gold and silver there as well.","start":466.465,"end":473.5,"sentiment":"neutral","sentiment_score":0.26514222668974025},{"text":"And then just a small component about 10% of your super in low risk defensive investments.","start":473.5,"end":478.32,"sentiment":"neutral","sentiment_score":0.16852739872410893},{"text":"So it is about seeking greater risk to obtain that greater growth.","start":478.38,"end":482.32,"sentiment":"neutral","sentiment_score":0.22051486621300379}],"sentiment":"neutral","sentiment_score":0.2586449074248473,"num_words":66,"start":459.905,"end":482.32},{"sentences":[{"text":"This sort of a portfolio over a on a yearly basis, we're trying to obtain about a an eight to 10% return is what you're sort of averaging or hoping to achieve.","start":482.7,"end":492.075,"sentiment":"neutral","sentiment_score":0.28265835996717215},{"text":"So anything above that 10% is essentially your portfolio overperforming or outperforming and doing very, very well.","start":492.615,"end":498.87,"sentiment":"neutral","sentiment_score":0.27469060789136324},{"text":"Anything under that 10% is seen as underperformance there.","start":499.11,"end":502.47,"sentiment":"neutral","sentiment_score":-0.1869677652915319},{"text":"So your portfolio has performed a little bit greater than the 10% as a net return, which is great.","start":502.47,"end":507.99,"sentiment":"neutral","sentiment_score":0.27795671161852387},{"text":"It's what we wanna see, but we wanna see that continue and continue to compound for you.","start":507.99,"end":512.95,"sentiment":"positive","sentiment_score":0.3525068172637154}],"sentiment":"neutral","sentiment_score":0.24793501467780865,"num_words":94,"start":482.7,"end":512.95},{"sentences":[{"text":"One of the biggest things with our super is that we start off with a low balance, and we slug it out getting our contributions in to get our super balance up to that sort of 250 mark, between 200 to 250 mark.","start":512.95,"end":526.56,"sentiment":"neutral","sentiment_score":0.21152620138817055},{"text":"And then once we kinda see our balance hit that mark, the compounding increases significantly.","start":526.72,"end":531.22,"sentiment":"neutral","sentiment_score":0.2603086660305659},{"text":"If you sort of think about, you know, getting a 5% return on, say, a balance of $50,000, it's about, you know, 2,500 for the year.","start":532.56,"end":542.42,"sentiment":"neutral","sentiment_score":0.22921924522289863},{"text":"If you think about that same 5% return on someone with a $250,000 balance, the 5% is $12,500.","start":542.605,"end":550.685,"sentiment":"neutral","sentiment_score":0.24638383256064522},{"text":"And then if you continue, that just continues 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one sixty two, 107 now.","start":575.115,"end":580.635,"sentiment":"positive","sentiment_score":0.6956052832743701},{"text":"So it is good to 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you, just to sort of see how on track you are to that.","start":595.815,"end":605.835,"sentiment":"neutral","sentiment_score":0.1667035410278722},{"text":"So beautiful.","start":606.85504,"end":611.66,"sentiment":"positive","sentiment_score":0.5914292931556702},{"text":"So you came on board in November 2023 there.","start":611.88,"end":615.26,"sentiment":"neutral","sentiment_score":0.16218355132473838},{"text":"Slow down.","start":617.8,"end":618.62,"sentiment":"neutral","sentiment_score":0.005952923558652402},{"text":"Yeah.","start":619.16,"end":619.66,"sentiment":"neutral","sentiment_score":0.10075140744447708}],"sentiment":"neutral","sentiment_score":0.174805814651056,"num_words":52,"start":595.815,"end":619.66},{"sentences":[{"text":"Not bad at all.","start":619.72,"end":621.1,"sentiment":"neutral","sentiment_score":0.18908683955669403},{"text":"And we did project in five years from when you came on board your balance to be around about $201,601.11.","start":621.355,"end":629.935,"sentiment":"neutral","sentiment_score":0.21909776702523232},{"text":"So you are pretty well on track for that.","start":629.995,"end":632.075,"sentiment":"positive","sentiment_score":0.5475746956136491},{"text":"We can definitely get your balance up over that kind of mark in the next sort of two, two and a half odd years.","start":632.075,"end":637.69,"sentiment":"positive","sentiment_score":0.36435387283563614},{"text":"The other sort of thing to look at is maybe looking to increase contributions.","start":638.38995,"end":642.41,"sentiment":"neutral","sentiment_score":0.009986618400684424}],"sentiment":"neutral","sentiment_score":0.26691240232280444,"num_words":71,"start":619.72,"end":642.41},{"sentences":[{"text":"Are you in a position where you could maybe look to start salary sacrificing or increasing contributions in to help sort of build that compounding effect earlier, or is your circumstances not really allow?","start":642.55,"end":654.255,"sentiment":"neutral","sentiment_score":-0.01467070569667746},{"text":"Okay.","start":665.45,"end":665.95,"sentiment":"neutral","sentiment_score":-0.05594611167907715},{"text":"Yeah.","start":679.225,"end":679.46497,"sentiment":"neutral","sentiment_score":-0.013894565403461456},{"text":"Yeah.","start":679.46497,"end":679.96497,"sentiment":"neutral","sentiment_score":0.011224256828427316},{"text":"Yeah.","start":691.72,"end":691.88,"sentiment":"neutral","sentiment_score":0.13021206855773926}],"sentiment":"neutral","sentiment_score":-0.011242324878510675,"num_words":38,"start":642.55,"end":691.88},{"sentences":[{"text":"Yeah.","start":691.88,"end":692.38,"sentiment":"neutral","sentiment_score":0.27473244071006775},{"text":"Yeah.","start":700.615,"end":701.115,"sentiment":"neutral","sentiment_score":-0.06872273981571198},{"text":"Yeah.","start":707.67004,"end":708.17004,"sentiment":"neutral","sentiment_score":-0.22565919160842896},{"text":"Yeah.","start":709.35004,"end":709.85004,"sentiment":"neutral","sentiment_score":-0.03494136407971382},{"text":"Right into it.","start":712.07,"end":713.21,"sentiment":"neutral","sentiment_score":0.12049375226100285}],"sentiment":"neutral","sentiment_score":0.043841485998460224,"num_words":7,"start":691.88,"end":713.21},{"sentences":[{"text":"Yeah.","start":725.925,"end":726.425,"sentiment":"neutral","sentiment_score":0.10848072171211244},{"text":"Yep.","start":731.22,"end":731.72,"sentiment":"neutral","sentiment_score":0.08047252893447876},{"text":"Yeah.","start":744.59503,"end":744.995,"sentiment":"neutral","sentiment_score":-0.0163106806576252},{"text":"No.","start":744.995,"end":745.235,"sentiment":"neutral","sentiment_score":-0.16750258207321167},{"text":"That's absolutely fine.","start":745.235,"end":746.355,"sentiment":"neutral","sentiment_score":0.011481113731861115}],"sentiment":"neutral","sentiment_score":0.005654761301619666,"num_words":7,"start":725.925,"end":746.355},{"sentences":[{"text":"So you're looking at more of a ten year horizon there with your investing side of things.","start":746.355,"end":750.53503,"sentiment":"neutral","sentiment_score":0.027903208618654925},{"text":"The main thing with with the property investment side of things at the moment, there is a few unknowns to consider.","start":751.395,"end":756.20734,"sentiment":"neutral","sentiment_score":-0.12369284672396523},{"text":"So property investment is great.","start":756.20734,"end":756.26886,"sentiment":"positive","sentiment_score":0.41370937824249265},{"text":"There's nothing wrong with that.","start":756.26886,"end":756.3304,"sentiment":"neutral","sentiment_score":0.28822060525417326},{"text":"Essentially, in order to Essentially, in order to get a property, you just need to make sure you do have, obviously, capital to be able to do that.","start":756.3304,"end":766.49005,"sentiment":"neutral","sentiment_score":0.10895902237721852}],"sentiment":"neutral","sentiment_score":0.058385622491569894,"num_words":76,"start":746.355,"end":766.49005},{"sentences":[{"text":"I can see here that with everything going through, that property that you have now is being sold.","start":766.63,"end":771.29004,"sentiment":"neutral","sentiment_score":0.07343572999040286},{"text":"The loan will be cleared, and you and your ex partner will be splitting that 50%.","start":771.515,"end":776.235,"sentiment":"neutral","sentiment_score":0.12764748185873032},{"text":"Is that right?","start":776.235,"end":777.135,"sentiment":"neutral","sentiment_score":0.13045561810334524},{"text":"Yeah.","start":779.115,"end":779.615,"sentiment":"neutral","sentiment_score":-0.07261353731155396},{"text":"Oh, yeah.","start":786.49,"end":788.75,"sentiment":"neutral","sentiment_score":-0.03882366605103016}],"sentiment":"neutral","sentiment_score":0.09013272086158394,"num_words":40,"start":766.63,"end":788.75},{"sentences":[{"text":"Could reduce the profit.","start":790.81,"end":792.11,"sentiment":"neutral","sentiment_score":-0.26082420721650124},{"text":"Yeah.","start":796.025,"end":796.525,"sentiment":"neutral","sentiment_score":0.05884982645511627},{"text":"Yeah.","start":798.025,"end":798.525,"sentiment":"neutral","sentiment_score":-0.09000848978757858},{"text":"Absolutely.","start":799.54504,"end":800.04504,"sentiment":"neutral","sentiment_score":0.16354891657829285},{"text":"No.","start":801.625,"end":802.025,"sentiment":"neutral","sentiment_score":0.021996818482875824}],"sentiment":"neutral","sentiment_score":-0.11111371964216232,"num_words":8,"start":790.81,"end":802.025},{"sentences":[{"text":"Definitely.","start":802.025,"end":802.525,"sentiment":"neutral","sentiment_score":0.14725737273693085},{"text":"Completely understand.","start":802.825,"end":803.705,"sentiment":"neutral","sentiment_score":0.21569254994392395},{"text":"And, look, that's one less headache to have.","start":803.705,"end":805.705,"sentiment":"neutral","sentiment_score":0.20391498692333698},{"text":"And, I mean, property investment is a great idea.","start":805.705,"end":808.025,"sentiment":"positive","sentiment_score":0.48547812965181136},{"text":"The biggest sort of unknown we have at the moment is that there is that legislation that's possibly going through after the budget where in order to be able to access negative gearing, we do have to be able to possibly buy a brand new kinda off the plan property to create new housing demand.","start":808.025,"end":825.195,"sentiment":"neutral","sentiment_score":-0.258250017599626}],"sentiment":"neutral","sentiment_score":-0.10165980577468872,"num_words":75,"start":802.025,"end":825.195},{"sentences":[{"text":"So there are a lot of unknowns with the property market at the moment and investing in the property market.","start":825.735,"end":830.855,"sentiment":"neutral","sentiment_score":-0.17561534084379674},{"text":"Essentially, a lot of the clients I'm speaking to at the moment, we're sort of holding off to see what sort of comes of this legislation from the budget to see where that goes, mostly because if they buy a preexisting home and this legislation goes through, it does mean they're not gonna be able to utilize negative gearing.","start":830.855,"end":846.87,"sentiment":"neutral","sentiment_score":-0.1747564071063268},{"text":"And when we are on a higher income, our income's increasing.","start":847.25,"end":850.15,"sentiment":"neutral","sentiment_score":0.044259940358725464},{"text":"We wanna be able to utilize any tax advantage we can to pay as little tax as possible.","start":850.635,"end":856.09503,"sentiment":"neutral","sentiment_score":0.2158148524661859},{"text":"It's all about paying a fair tax, not too much or, you know, too little.","start":856.635,"end":860.97504,"sentiment":"neutral","sentiment_score":0.10451743528246879}],"sentiment":"neutral","sentiment_score":-0.06409468795589315,"num_words":123,"start":825.735,"end":860.97504},{"sentences":[{"text":"So it is a little bit out there, but, I mean, property investment isn't off the chart.","start":861.755,"end":865.25,"sentiment":"neutral","sentiment_score":0.12632534784429214},{"text":"It is definitely something you can do.","start":865.25,"end":867.43,"sentiment":"positive","sentiment_score":0.4631536304950714},{"text":"There are other ways to structure investments, though.","start":867.73,"end":870.37,"sentiment":"neutral","sentiment_score":0.11570748593658209},{"text":"So you could look at doing it two ways, and, realistically, it all comes down to what your goals are, what you wanna achieve in the next ten years.","start":870.37,"end":876.85,"sentiment":"neutral","sentiment_score":0.25882938157381685},{"text":"Are you hoping to build enough wealth that you, you know, are able to stop working in the next ten years or have the option of working, or are you just wanting to build up enough wealth to kinda supplement super in retirement?","start":876.85,"end":888.495,"sentiment":"neutral","sentiment_score":0.11960455805583056}],"sentiment":"neutral","sentiment_score":0.1823491757341589,"num_words":104,"start":861.755,"end":888.495},{"sentences":[{"text":"But we can also build portfolios very similar to what you have in your super in your own name, and we have structures like investment accounts that suit smaller balances and be able to build wealth that way.","start":889.435,"end":901.60004,"sentiment":"positive","sentiment_score":0.4043377955493174},{"text":"We have this investment accounts that can take on larger balances to begin with.","start":902.14,"end":907.10004,"sentiment":"positive","sentiment_score":0.3815225639513561},{"text":"We've also got access to, like, investment bonds and things like that that allow you to build investments in your own name without having to suffer tax consequences as well, and those sorts of things suit someone who's got a ten year horizon or not wanting to access that those funds for about ten years and build wealth in the background.","start":907.10004,"end":926.07996,"sentiment":"positive","sentiment_score":0.3932559668529229},{"text":"So there are lots of different options that we have to be able to build investments outside of super.","start":926.14,"end":932.48,"sentiment":"neutral","sentiment_score":0.21967279597332603},{"text":"The other option is if you're more just wanting to kinda build for your retirement and not sort of looking at, you know, having anything in your own name and risking the sort of tax consequences of building investments in your own name, you can just be building your super.","start":933.01996,"end":948.805,"sentiment":"neutral","sentiment_score":0.25169156908988954}],"sentiment":"positive","sentiment_score":0.33765454770444514,"num_words":182,"start":889.435,"end":948.805},{"sentences":[{"text":"Obviously, super is a tax haven, putting money into super additional contributions.","start":948.805,"end":954.185,"sentiment":"neutral","sentiment_score":0.15373221971094608},{"text":"It is taxed only 15% inside super instead of your marginal tax rate.","start":954.325,"end":959.2,"sentiment":"neutral","sentiment_score":0.08567349096903434},{"text":"The only sort of downside to super is that you can't access the funds until you meet the condition of release.","start":959.66003,"end":965.34,"sentiment":"neutral","sentiment_score":-0.1567853575661069},{"text":"So turn 60 and fully retire or 65 if you continue to work beyond that.","start":965.34,"end":971.18506,"sentiment":"neutral","sentiment_score":-0.054694834351539615},{"text":"So it just comes down to what your goals are, what's more important to you.","start":971.18506,"end":975.10504,"sentiment":"neutral","sentiment_score":0.2031274159749349}],"sentiment":"neutral","sentiment_score":0.024901818876203737,"num_words":76,"start":948.805,"end":975.10504},{"sentences":[{"text":"Do you think you're wanting to sort of focus on sleep, or would you like to build wealth outside and and over the next ten years?","start":975.10504,"end":981.66504,"sentiment":"neutral","sentiment_score":0.08814248055792771},{"text":"What would you like to do?","start":981.66504,"end":983.07,"sentiment":"neutral","sentiment_score":0.01727973483502865},{"text":"Mhmm.","start":994.35004,"end":994.43,"sentiment":"neutral","sentiment_score":0.07672013342380524},{"text":"Yeah.","start":994.43,"end":994.93,"sentiment":"neutral","sentiment_score":0.0069450512528419495},{"text":"Yeah.","start":1004.495,"end":1004.995,"sentiment":"neutral","sentiment_score":0.09692415595054626}],"sentiment":"neutral","sentiment_score":0.07359920697552817,"num_words":35,"start":975.10504,"end":1004.995},{"sentences":[{"text":"Yeah.","start":1018.67,"end":1019.07,"sentiment":"neutral","sentiment_score":0.3015187084674835},{"text":"Yeah.","start":1019.07,"end":1019.39,"sentiment":"neutral","sentiment_score":0.2027793526649475},{"text":"Yeah.","start":1019.39,"end":1019.89,"sentiment":"neutral","sentiment_score":0.14320337772369385},{"text":"Yep.","start":1033.66,"end":1034.16,"sentiment":"neutral","sentiment_score":-0.0615854375064373},{"text":"That's okay.","start":1034.9401,"end":1035.76,"sentiment":"neutral","sentiment_score":0.18798820674419403}],"sentiment":"neutral","sentiment_score":0.1603154024730126,"num_words":6,"start":1018.67,"end":1035.76},{"sentences":[{"text":"Yeah.","start":1042.14,"end":1042.54,"sentiment":"neutral","sentiment_score":0.03379727154970169},{"text":"Absolutely.","start":1042.54,"end":1043.04,"sentiment":"neutral","sentiment_score":-0.0015728510916233065},{"text":"Yeah.","start":1052.635,"end":1053.135,"sentiment":"neutral","sentiment_score":-0.1370699107646942},{"text":"There's a lot to talk a lot to think about.","start":1053.2749,"end":1055.595,"sentiment":"neutral","sentiment_score":-0.10606803148984909},{"text":"No.","start":1055.595,"end":1055.835,"sentiment":"neutral","sentiment_score":-0.1675102710723877}],"sentiment":"neutral","sentiment_score":-0.0952168625912496,"num_words":14,"start":1042.14,"end":1055.835},{"sentences":[{"text":"Well, look.","start":1055.835,"end":1056.27,"sentiment":"neutral","sentiment_score":-0.004579069092869759},{"text":"It honestly sounds like building wealth outside of super is the right aspect for you.","start":1056.43,"end":1059.79,"sentiment":"neutral","sentiment_score":0.25020201404889425},{"text":"It is a goal of yours.","start":1059.79,"end":1060.91,"sentiment":"positive","sentiment_score":0.44485080738862354},{"text":"You are sort of wanting to you know, ten year time horizon definitely works for being able to build wealth outside of super.","start":1060.91,"end":1067.09,"sentiment":"positive","sentiment_score":0.3425826495108397},{"text":"What I would probably look at doing for you is because we need to sort of understand how much you have available to you is once you've gone through that property sale, once you've sort of understand a bit more about how much cash you have flexible to you, let's maybe have more of a conversation.","start":1067.63,"end":1082.775,"sentiment":"neutral","sentiment_score":0.2115031188087804}],"sentiment":"neutral","sentiment_score":0.2562407108717689,"num_words":102,"start":1055.835,"end":1082.775},{"sentences":[{"text":"I can book you back in a few weeks when you're ready to do so.","start":1083.2351,"end":1086.18,"sentiment":"neutral","sentiment_score":0.2855903784434001},{"text":"We can talk about, you know, what your income looks like, what your expendable income looks like.","start":1086.26,"end":1091.4801,"sentiment":"neutral","sentiment_score":0.18000045462566264},{"text":"We can do a risk profile, and we can look at investing outside of Super for you in other structures.","start":1091.7001,"end":1097.0801,"sentiment":"neutral","sentiment_score":0.264937574416399},{"text":"And I can drop a advice document for you that essentially outlines what we're looking at there.","start":1097.7001,"end":1099.3301,"sentiment":"neutral","sentiment_score":0.2168400066302103},{"text":"Document for you that essentially outlines what we're looking at there and make a recommendation on how it's structured, what to invest the money in, how to build it over time, and give you kind of that projected outcome that you're sort of after to show you where we are tracking for very similar to how we are in.","start":1099.745,"end":1117.15,"sentiment":"neutral","sentiment_score":0.13910457693924339}],"sentiment":"neutral","sentiment_score":0.1916880081698764,"num_words":128,"start":1083.2351,"end":1117.15},{"sentences":[{"text":"Does that sound okay with you?","start":1117.15,"end":1118.93,"sentiment":"neutral","sentiment_score":0.12340986356139184},{"text":"Yep.","start":1120.51,"end":1120.9901,"sentiment":"positive","sentiment_score":0.4743918180465698},{"text":"Beautiful.","start":1120.9901,"end":1121.39,"sentiment":"positive","sentiment_score":0.6260298490524292},{"text":"I think for the moment, we just sort of let you get over the hurdle with the property, go through the settlement, get that sorted first so you're not putting too much on your plate and, you know, we're not overloading you in any way, shape, or form, and then we can come back when you're ready.","start":1121.39,"end":1134.345,"sentiment":"neutral","sentiment_score":0.12453030968052253},{"text":"I can get Samantha to give you a call in another, you know, three or four or six weeks depending on what you're comfortable with, and she can then book you back in a month.","start":1134.505,"end":1143.75,"sentiment":"neutral","sentiment_score":0.07529031251158033}],"sentiment":"neutral","sentiment_score":0.11574269438162446,"num_words":100,"start":1117.15,"end":1143.75},{"sentences":[{"text":"Yep.","start":1143.75,"end":1144.25,"sentiment":"neutral","sentiment_score":0.1319367289543152},{"text":"Yep.","start":1148.79,"end":1149.29,"sentiment":"neutral","sentiment_score":0.22204706072807312},{"text":"Yeah.","start":1151.91,"end":1152.41,"sentiment":"neutral","sentiment_score":0.2363302111625671},{"text":"Beautiful.","start":1152.63,"end":1153.13,"sentiment":"positive","sentiment_score":0.537706732749939},{"text":"Excellent.","start":1153.67,"end":1154.17,"sentiment":"positive","sentiment_score":0.5774403810501099}],"sentiment":"positive","sentiment_score":0.3410922229290009,"num_words":5,"start":1143.75,"end":1154.17},{"sentences":[{"text":"Having a look at your super, I can that there are some changes to the investment portfolio that I would also like to make for you.","start":1155.03,"end":1162.025,"sentiment":"neutral","sentiment_score":0.20039866434840056},{"text":"I can do one of two options.","start":1162.885,"end":1164.8049,"sentiment":"neutral","sentiment_score":0.06896913637007986},{"text":"I can look at making some changes to the investments now, or I can just hold off because your portfolio has done really well.","start":1164.8049,"end":1171.3,"sentiment":"neutral","sentiment_score":0.17099925068517527},{"text":"You've got a lovely 10% return there.","start":1171.3,"end":1173.4601,"sentiment":"positive","sentiment_score":0.5442064915384565},{"text":"Things are working nicely.","start":1173.4601,"end":1174.92,"sentiment":"positive","sentiment_score":0.4974762424826622}],"sentiment":"neutral","sentiment_score":0.22936002433519154,"num_words":68,"start":1155.03,"end":1174.92},{"sentences":[{"text":"I can always just hold off on making changes to your super, and we kind of look at super and investment as a whole and do, you know, a nice big strategy across everything.","start":1175.3,"end":1184.28,"sentiment":"neutral","sentiment_score":0.20117169552866151},{"text":"Would you like me just to hold off on making changes at now and maybe incorporate that into the big plan so we can look at where you're tracking with both super and investments outside of super to sort of see how that looks for you and give you a nice five to ten year plan that see how we're tracking?","start":1184.6749,"end":1199.095,"sentiment":"neutral","sentiment_score":0.22053375608119807},{"text":"Well, I can see here with your investments, if you're looking at the port the portfolio report, the hub twenty four one, the top investments have been along Australian equities.","start":1207.02,"end":1215.7151,"sentiment":"neutral","sentiment_score":-0.033195495853821436},{"text":"So that one there is underperforming a little bit in your portfolio.","start":1215.7151,"end":1218.775,"sentiment":"negative","sentiment_score":-0.33412155012289685},{"text":"So you'll see there if you look at the second last column, it's got the brackets in the 19.14% in there.","start":1218.995,"end":1225.02,"sentiment":"neutral","sentiment_score":-0.10701306483575276}],"sentiment":"neutral","sentiment_score":0.08253037297650229,"num_words":158,"start":1175.3,"end":1225.02},{"sentences":[{"text":"So it does show that that is down by about 19.14% for the year.","start":1225.26,"end":1230.56,"sentiment":"neutral","sentiment_score":-0.2941746913961002},{"text":"Essentially, when I assess whether an investment itself is underperforming or whether it is just due to normal market reactions, we assess the investment against how, say, the benchmark is going or how other areas within that that sort of area are.","start":1231.18,"end":1248.0651,"sentiment":"neutral","sentiment_score":-0.20719701300064722},{"text":"That's an Australian equities fund.","start":1248.0651,"end":1249.745,"sentiment":"neutral","sentiment_score":-0.07608998566865921},{"text":"So, essentially, we'd be looking at how Australian equities have performed.","start":1249.745,"end":1252.9451,"sentiment":"neutral","sentiment_score":-0.05237528004429557},{"text":"And whilst we have seen those market ups and downs with what's been going on between The US and Iran, the issues within that Benelon Australian equities and the reason that it is down doesn't have anything to do with that.","start":1252.9451,"end":1264.07,"sentiment":"neutral","sentiment_score":-0.28909161432487207}],"sentiment":"neutral","sentiment_score":-0.22681464090020256,"num_words":113,"start":1225.26,"end":1264.07},{"sentences":[{"text":"Essentially, Benelon and the investment fund itself have had some individual issues with their investment option there, and that is causing that to be down, and it hasn't kinda come back and shown any kind of recovery.","start":1264.07,"end":1276.295,"sentiment":"neutral","sentiment_score":-0.3077609087969806},{"text":"If you kind of look about three investments down, you've got the bank hybrid, the cybersecurity, and then you've got the other one there, which is the keywords.","start":1276.835,"end":1286.22,"sentiment":"neutral","sentiment_score":-0.04072786697984806},{"text":"That's the Australian that's Australian Raffy.","start":1286.22,"end":1289.76,"sentiment":"neutral","sentiment_score":0.07325249537825584},{"text":"That's Australian equities as well, and that's essentially doing very, very well.","start":1289.9,"end":1293.98,"sentiment":"neutral","sentiment_score":0.15105865274866423},{"text":"That's showing you a positive of 16.99% for the year.","start":1293.98,"end":1297.92,"sentiment":"neutral","sentiment_score":0.21213942468166352}],"sentiment":"neutral","sentiment_score":-0.08767656826724608,"num_words":93,"start":1264.07,"end":1297.92},{"sentences":[{"text":"So you can kinda see the difference.","start":1298.06,"end":1300.0801,"sentiment":"neutral","sentiment_score":0.04131606460681984},{"text":"Yes.","start":1303.555,"end":1304.035,"sentiment":"neutral","sentiment_score":0.060256849974393845},{"text":"That's exactly right.","start":1304.035,"end":1305.235,"sentiment":"neutral","sentiment_score":0.03801963602503141},{"text":"The brackets show a negative a negative figure or a negative return.","start":1305.235,"end":1308.855,"sentiment":"neutral","sentiment_score":-0.2609686106443405},{"text":"Yeah.","start":1308.995,"end":1309.495,"sentiment":"neutral","sentiment_score":-0.029211152344942093}],"sentiment":"neutral","sentiment_score":-0.11238776124082506,"num_words":24,"start":1298.06,"end":1309.495},{"sentences":[{"text":"Yeah.","start":1311.395,"end":1311.895,"sentiment":"neutral","sentiment_score":0.011190202087163923},{"text":"And so you can see with the absolutely.","start":1312.1951,"end":1317.3999,"sentiment":"neutral","sentiment_score":-0.006569989258423448},{"text":"I can have a look at the report.","start":1329.875,"end":1331.495,"sentiment":"neutral","sentiment_score":0.30170370265841484},{"text":"Yeah.","start":1332.835,"end":1333.1549,"sentiment":"neutral","sentiment_score":0.06701171398162842},{"text":"That's okay.","start":1333.1549,"end":1333.875,"sentiment":"neutral","sentiment_score":0.27122537791728973}],"sentiment":"neutral","sentiment_score":0.14908611895516516,"num_words":20,"start":1311.395,"end":1333.875},{"sentences":[{"text":"I can have a look for you.","start":1333.875,"end":1335.955,"sentiment":"neutral","sentiment_score":0.24102766386100224},{"text":"I've got the reports here as well.","start":1335.955,"end":1338.215,"sentiment":"neutral","sentiment_score":0.129276947251388},{"text":"So the 2024 annual review report showed you were at 13.49% for that year.","start":1338.4349,"end":1345.99,"sentiment":"neutral","sentiment_score":0.12945551904184477},{"text":"And then if I go back to the 2023 we didn't have a report then.","start":1346.37,"end":1351.5901,"sentiment":"neutral","sentiment_score":-0.004682976379990577},{"text":"So 2024 was your first annual review, and, yeah, it was.","start":1351.9249,"end":1354.8049,"sentiment":"neutral","sentiment_score":0.0881980840455402}],"sentiment":"neutral","sentiment_score":0.09823044116988226,"num_words":54,"start":1333.875,"end":1354.8049},{"sentences":[{"text":"You were up 13.49% for that year, and then this last twelve months, it's showing that 10.69%.","start":1354.8049,"end":1361.9249,"sentiment":"neutral","sentiment_score":0.03356099961435094},{"text":"So it is a bit lower in saying that, we understand, well, markets do go up and down.","start":1361.9249,"end":1367.55,"sentiment":"neutral","sentiment_score":-0.13792187141047585},{"text":"So there are gonna be years when you get, say, a thirteen, fifteen, or 20% return, but then other years when you only get a four or five or 10% return.","start":1367.55,"end":1375.17,"sentiment":"neutral","sentiment_score":-0.07760712384216246},{"text":"And that's because markets do fluctuate.","start":1375.2301,"end":1377.17,"sentiment":"neutral","sentiment_score":-0.08207852207124233},{"text":"There are ups and downs to be considered.","start":1377.31,"end":1379.25,"sentiment":"neutral","sentiment_score":-0.14906896464526653}],"sentiment":"neutral","sentiment_score":-0.07503625475801527,"num_words":80,"start":1354.8049,"end":1379.25},{"sentences":[{"text":"Admittedly, if Bannalong was performing better this year, you could have seen a much greater level of return out of your portfolio than what you had seen.","start":1380.0651,"end":1388.225,"sentiment":"neutral","sentiment_score":0.16846173084168523},{"text":"So Bannalong has had a bit of an effect there, but it's also got to do with the market as a whole with the ups and downs.","start":1388.225,"end":1394.5599,"sentiment":"neutral","sentiment_score":0.01071771351551568},{"text":"And one of the good things about your contributions continuing to go in is that you are dollar cost averaging in the market, and we're taking advantage of the ups and downs.","start":1394.5599,"end":1403.5399,"sentiment":"positive","sentiment_score":0.36224190099164844},{"text":"One of the biggest things that I try to sort of stress is that we don't time the market.","start":1403.6799,"end":1407.8151,"sentiment":"neutral","sentiment_score":0.00043616953649019014},{"text":"We don't try to pick the top and the bottom of the market.","start":1407.8151,"end":1410.295,"sentiment":"neutral","sentiment_score":0.007234468339727475}],"sentiment":"neutral","sentiment_score":0.14010102660158427,"num_words":118,"start":1380.0651,"end":1410.295},{"sentences":[{"text":"We essentially wanna be taking advantage of what the market's doing and having our contributions going in regularly.","start":1410.295,"end":1417.115,"sentiment":"positive","sentiment_score":0.34087667603873545},{"text":"And now that our employer contributions are required to go in without pay, we're gonna see much greater dollar cost averaging.","start":1417.415,"end":1425.6,"sentiment":"neutral","sentiment_score":0.06773753668225947},{"text":"So when the market is doing really well, you, say, had CBA shares, you put a $100 in and they're $50 per share, that $100 buys two of those shares.","start":1425.6,"end":1435.62,"sentiment":"neutral","sentiment_score":0.155215934664011},{"text":"If then the next week get paid and your $100 goes in and CBA is at a $100, you only buy one share.","start":1435.84,"end":1443.315,"sentiment":"neutral","sentiment_score":0.062010437412106476},{"text":"The following week, the same thing goes in, and it's $20 per share.","start":1443.315,"end":1446.835,"sentiment":"neutral","sentiment_score":0.05690840001289661}],"sentiment":"neutral","sentiment_score":0.13695995942467734,"num_words":105,"start":1410.295,"end":1446.835},{"sentences":[{"text":"Your $100 buys five of those.","start":1446.835,"end":1449.0149,"sentiment":"neutral","sentiment_score":0.14475253348549208},{"text":"And that's essentially what we wanna do with your super.","start":1449.23,"end":1451.79,"sentiment":"neutral","sentiment_score":0.3096683219075203},{"text":"We wanna have your contributions going in continuously over time so that we take advantage your contributions by less units of those investments when the market is higher.","start":1451.79,"end":1461.89,"sentiment":"positive","sentiment_score":0.3895780880536352},{"text":"And when the market is lower, we take advantage and buy into the dip.","start":1462.445,"end":1466.225,"sentiment":"neutral","sentiment_score":0.2860934393746512},{"text":"And doing that by dollar cost averaging means we don't have to time the market.","start":1466.765,"end":1470.685,"sentiment":"neutral","sentiment_score":0.3078818341096242}],"sentiment":"neutral","sentiment_score":0.32187562395040303,"num_words":73,"start":1446.835,"end":1470.685},{"sentences":[{"text":"We continuously stay invested and take advantage of whatever the market is doing at that particular time.","start":1470.685,"end":1476.685,"sentiment":"positive","sentiment_score":0.3909949309685651},{"text":"Does that make sense?","start":1476.685,"end":1477.825,"sentiment":"neutral","sentiment_score":0.22617381811141968},{"text":"Yeah.","start":1479.76,"end":1480.24,"sentiment":"positive","sentiment_score":0.3520280718803406},{"text":"Yeah.","start":1480.24,"end":1480.7201,"sentiment":"positive","sentiment_score":0.4259790778160095},{"text":"It sort of works out that by doing that over time, you actually buy more units of the investments because you are taking advantage of the ups and downs the market's providing.","start":1480.7201,"end":1489.78,"sentiment":"positive","sentiment_score":0.4791196817532182}],"sentiment":"positive","sentiment_score":0.43020811026746575,"num_words":55,"start":1470.685,"end":1489.78},{"sentences":[{"text":"But then you also help to lower certain risks like market risk and timing risk.","start":1490.4801,"end":1495.385,"sentiment":"neutral","sentiment_score":0.25598183274269104},{"text":"Essentially, one of the biggest things, there have been some really great reports over the years where, investment managers have sort of averaged looking at time in the market versus time in the market.","start":1495.785,"end":1506.125,"sentiment":"positive","sentiment_score":0.3609651055406122},{"text":"And it's actually showing that people who invest in the market and continuously add money throughout the ups and downs actually come out providing a much greater level of return than they had if they tried to time and pick the top and the bottom of the market.","start":1506.4099,"end":1520.25,"sentiment":"positive","sentiment_score":0.420402598567307},{"text":"And if you miss the top and the bottom of the market, it can, over time, have a greater effect, and you could miss out on thousands of dollars.","start":1520.25,"end":1528.3451,"sentiment":"neutral","sentiment_score":0.02283314666871367},{"text":"So there is definitely a good argument for staying invested and just spending time in the market going through the ups and downs rather than trying to pick the top and the bottom in the market and missing that point.","start":1528.405,"end":1539.8601,"sentiment":"neutral","sentiment_score":0.14025578573346137}],"sentiment":"neutral","sentiment_score":0.2564111957438739,"num_words":166,"start":1490.4801,"end":1539.8601},{"sentences":[{"text":"So Mhmm.","start":1539.8601,"end":1555.4149,"sentiment":"neutral","sentiment_score":0.007286515086889268},{"text":"Yes.","start":1555.475,"end":1555.975,"sentiment":"neutral","sentiment_score":0.09924765676259996},{"text":"Yeah.","start":1556.7549,"end":1557.1549,"sentiment":"neutral","sentiment_score":0.05363138765096664},{"text":"That's selling an investment.","start":1557.1549,"end":1558.375,"sentiment":"neutral","sentiment_score":0.03015192085877061},{"text":"Yeah.","start":1558.595,"end":1559.095,"sentiment":"neutral","sentiment_score":0.03573988378047943}],"sentiment":"neutral","sentiment_score":0.03597773797810078,"num_words":9,"start":1539.8601,"end":1559.095},{"sentences":[{"text":"Look.","start":1564.58,"end":1564.9,"sentiment":"neutral","sentiment_score":-0.006081828847527504},{"text":"We've been we've been watching it.","start":1564.9,"end":1567.62,"sentiment":"neutral","sentiment_score":-0.05682440381497145},{"text":"There's it's not that it won't.","start":1567.62,"end":1569.72,"sentiment":"neutral","sentiment_score":-0.2038873831431071},{"text":"It's more that it can take quite some time to do so.","start":1570.02,"end":1573.08,"sentiment":"neutral","sentiment_score":-0.2086994188527266},{"text":"With where it has, it's sort of taken a bit of a dip this year.","start":1573.685,"end":1576.325,"sentiment":"neutral","sentiment_score":-0.3268209844827652}],"sentiment":"neutral","sentiment_score":-0.2244265086017549,"num_words":40,"start":1564.58,"end":1576.325},{"sentences":[{"text":"We've sort of been hoping it's gonna come back, but the underlying issues with it and there have been some pretty large sell offs.","start":1576.325,"end":1582.485,"sentiment":"negative","sentiment_score":-0.5134605579078197},{"text":"So, realistically, we don't see it as a quality investment to keep you in long term.","start":1582.485,"end":1588.105,"sentiment":"negative","sentiment_score":-0.38792071864008904},{"text":"They've just had too many ups and downs.","start":1588.5199,"end":1590.44,"sentiment":"negative","sentiment_score":-0.41830504685640335},{"text":"They've just had this issue, which I mean, they can't get away from it.","start":1590.44,"end":1594.5199,"sentiment":"negative","sentiment_score":-0.4420209952763149},{"text":"It's an issue with one of their underlying investments now, and that issue will sort of stick around for a while.","start":1594.5199,"end":1600.46,"sentiment":"negative","sentiment_score":-0.3558951871735709}],"sentiment":"negative","sentiment_score":-0.4281725075589605,"num_words":83,"start":1576.325,"end":1600.46},{"sentences":[{"text":"So they could definitely come back and get back to where it was.","start":1601.24,"end":1605.545,"sentiment":"neutral","sentiment_score":-0.14589749849759615},{"text":"However, as yeah.","start":1605.8451,"end":1607.285,"sentiment":"neutral","sentiment_score":-0.254988228281339},{"text":"Our investment committee as a business's desire is really not worth keeping you in.","start":1607.285,"end":1611.8451,"sentiment":"negative","sentiment_score":-0.7446376255580357},{"text":"It is just too high a risk to sort of sit there and go, hey.","start":1611.8451,"end":1614.9651,"sentiment":"negative","sentiment_score":-0.6453553716341655},{"text":"What if it takes six or ten years to come out, and you're sitting there waiting for this investment?","start":1614.9651,"end":1619.63,"sentiment":"negative","sentiment_score":-0.35079568702923625}],"sentiment":"negative","sentiment_score":-0.45987511798739433,"num_words":64,"start":1601.24,"end":1619.63},{"sentences":[{"text":"What if it doesn't and it does continue to decrease?","start":1619.63,"end":1622.1901,"sentiment":"negative","sentiment_score":-0.38759358823299406},{"text":"So, essentially, the investment committee looked at everything.","start":1622.1901,"end":1625.87,"sentiment":"negative","sentiment_score":-0.3677682504057884},{"text":"They went, no.","start":1625.87,"end":1626.43,"sentiment":"negative","sentiment_score":-0.4474952022234599},{"text":"No.","start":1626.43,"end":1626.59,"sentiment":"negative","sentiment_score":-0.6314765214920044},{"text":"No.","start":1626.59,"end":1626.67,"sentiment":"negative","sentiment_score":-0.6789597272872925}],"sentiment":"negative","sentiment_score":-0.41178277134895325,"num_words":23,"start":1619.63,"end":1626.67},{"sentences":[{"text":"It's time to get rid of that.","start":1626.67,"end":1628.03,"sentiment":"negative","sentiment_score":-0.6535934039524623},{"text":"We're gonna move it out.","start":1628.03,"end":1628.3076,"sentiment":"negative","sentiment_score":-0.5063980221748352},{"text":"There has been some very large sell off of the investment as well, which has well, which has kind of continued to create this issue.","start":1628.3076,"end":1635.945,"sentiment":"negative","sentiment_score":-0.5372522914409638},{"text":"But, yeah, I mean, we can do that now and just do a quick switch, or I can just wait for another month and have that conversation with you about everything as a whole, and we sort of look at the total strategy for you because a few more weeks shouldn't be that shouldn't be too bad.","start":1636.245,"end":1651.28,"sentiment":"neutral","sentiment_score":0.16747241346328928},{"text":"You could do yes.","start":1661.435,"end":1665.535,"sentiment":"neutral","sentiment_score":0.021222096867859364}],"sentiment":"neutral","sentiment_score":-0.11130240071108755,"num_words":98,"start":1626.67,"end":1665.535},{"sentences":[{"text":"Yeah.","start":1669.755,"end":1670.255,"sentiment":"neutral","sentiment_score":0.022177547216415405},{"text":"Yeah.","start":1671.0701,"end":1671.5701,"sentiment":"neutral","sentiment_score":0.04652507603168487},{"text":"Yeah.","start":1672.3501,"end":1672.8501,"sentiment":"neutral","sentiment_score":0.06147748976945877},{"text":"So, look, you you could definitely you're fine.","start":1673.2301,"end":1676.29,"sentiment":"neutral","sentiment_score":0.03965664468705654},{"text":"Yeah.","start":1676.75,"end":1677.25,"sentiment":"neutral","sentiment_score":0.02405986934900284}],"sentiment":"neutral","sentiment_score":0.03929109498858452,"num_words":12,"start":1669.755,"end":1677.25},{"sentences":[{"text":"No.","start":1678.11,"end":1678.51,"sentiment":"neutral","sentiment_score":-0.07282848656177521},{"text":"You're fine.","start":1678.51,"end":1679.0701,"sentiment":"neutral","sentiment_score":0.01262603048235178},{"text":"Honestly, ask these questions.","start":1679.0701,"end":1680.1901,"sentiment":"neutral","sentiment_score":0.15244832634925842},{"text":"It's really important to have this conversation and kind of put everything on the table, and there's no such thing as a silly question to ask anything you have, Matthew.","start":1680.1901,"end":1687.395,"sentiment":"neutral","sentiment_score":0.242646461725235},{"text":"I love it.","start":1687.395,"end":1688.215,"sentiment":"positive","sentiment_score":0.6687966585159302}],"sentiment":"neutral","sentiment_score":0.24620001767762006,"num_words":40,"start":1678.11,"end":1688.215},{"sentences":[{"text":"Yeah.","start":1691.1549,"end":1691.6549,"sentiment":"neutral","sentiment_score":0.1972007006406784},{"text":"Yeah.","start":1692.835,"end":1693.335,"sentiment":"positive","sentiment_score":0.4316754937171936},{"text":"It has has done very, very nicely.","start":1695.33,"end":1697.75,"sentiment":"positive","sentiment_score":0.7868913667542594},{"text":"Yeah.","start":1697.8099,"end":1698.21,"sentiment":"positive","sentiment_score":0.4264378845691681},{"text":"Definitely.","start":1698.21,"end":1698.71,"sentiment":"positive","sentiment_score":0.46875613927841187}],"sentiment":"positive","sentiment_score":0.6393008895895698,"num_words":11,"start":1691.1549,"end":1698.71},{"sentences":[{"text":"And, look, that area in the sim tech is definitely one of the areas of significant growth over the past couple of years.","start":1699.33,"end":1704.9299,"sentiment":"neutral","sentiment_score":0.28455883782842883},{"text":"We, you know, have enjoyed what that's been doing.","start":1704.9299,"end":1707.09,"sentiment":"positive","sentiment_score":0.5264093743430244},{"text":"Gold is another area.","start":1707.09,"end":1708.2899,"sentiment":"neutral","sentiment_score":-0.0006042728200554848},{"text":"I know gold's taken a bit of a hit in the last couple of weeks, but overall has still been at some really highs.","start":1708.2899,"end":1716.055,"sentiment":"neutral","sentiment_score":-0.04668496766438087},{"text":"Yeah.","start":1717.635,"end":1717.9551,"sentiment":"neutral","sentiment_score":-0.05952678248286247}],"sentiment":"neutral","sentiment_score":0.1655763039579157,"num_words":61,"start":1699.33,"end":1717.9551},{"sentences":[{"text":"No.","start":1717.9551,"end":1718.1951,"sentiment":"neutral","sentiment_score":-0.24239812791347504},{"text":"Honestly, like, with where you are at the moment, you could look to be I mean, as I said, during that high growth kind of environment, you could look to go a little bit more aggressive.","start":1718.1951,"end":1726.2151,"sentiment":"neutral","sentiment_score":-0.1783508855021662},{"text":"Essentially, the high growth portfolio or the high growth sort of environment suits someone who has at least eight years before they're wanting to access their money, and that is because you are sort of taking on more risk in the market to try and obtain those greater returns.","start":1727.37,"end":1741.625,"sentiment":"neutral","sentiment_score":0.03505416647816191},{"text":"However, it is important to note that by taking on more risk and being in those sort of high growth environments, there is a point where we do see market downturns, and you will feel those especially as your balance increases.","start":1741.625,"end":1753.4851,"sentiment":"negative","sentiment_score":-0.44602502373660485},{"text":"And in the high growth environment, we can expect a negative return, one in sort of every six years as well.","start":1753.8,"end":1760.04,"sentiment":"negative","sentiment_score":-0.6025782596497309}],"sentiment":"neutral","sentiment_score":-0.24247665725950454,"num_words":148,"start":1717.9551,"end":1760.04},{"sentences":[{"text":"So as long as you're happy with that, that's absolutely fine.","start":1760.04,"end":1763.66,"sentiment":"neutral","sentiment_score":-0.0006162478503855799},{"text":"If you wanted to look at going a little bit more aggressive, then we'll do a risk profile questionnaire shortly to sort of see where you're sitting.","start":1763.88,"end":1770.275,"sentiment":"neutral","sentiment_score":-0.014500813696671415},{"text":"But the aggressive investor profile is essentially a 100% invested in equities, not sort of seeing any defensive low risk investments.","start":1770.895,"end":1779.715,"sentiment":"neutral","sentiment_score":0.014703402029616492},{"text":"And defensive investments like that are things like cash, bonds, and fixed interest.","start":1779.855,"end":1783.875,"sentiment":"neutral","sentiment_score":0.09583758620115426},{"text":"Having some of those in your portfolio can help to limit market fluctuations, especially when equities aren't doing so well.","start":1784.8,"end":1793.06,"sentiment":"neutral","sentiment_score":0.19131983295083047}],"sentiment":"neutral","sentiment_score":0.054160391587925995,"num_words":92,"start":1760.04,"end":1793.06},{"sentences":[{"text":"Things like fixed interest and bonds also help to provide a bit of income.","start":1793.12,"end":1796.9801,"sentiment":"neutral","sentiment_score":0.20914195052215032},{"text":"That's another aspect of what we're wanting out of your portfolio is income to be generated, the dividends from the shares and the investments you have, but also income generated from fixed interest and bonds.","start":1797.585,"end":1807.845,"sentiment":"neutral","sentiment_score":0.1994467550090381},{"text":"That'll get paid into your cash account, and we reinvest that back into your portfolio for the compounding effect.","start":1808.225,"end":1814.53,"sentiment":"neutral","sentiment_score":0.21530782470577642},{"text":"And that's sort of how compounding works.","start":1814.53,"end":1816.7101,"sentiment":"neutral","sentiment_score":0.17592874807970865},{"text":"It's about generating income and or growth that can be cemented and reinvested back into your portfolio.","start":1816.93,"end":1824.39,"sentiment":"neutral","sentiment_score":0.1818503465722589}],"sentiment":"neutral","sentiment_score":0.19915684272089731,"num_words":92,"start":1793.12,"end":1824.39},{"sentences":[{"text":"So that growth that is that growth ends up becoming part of your capital, and that tends to generate growth.","start":1825.01,"end":1831.725,"sentiment":"neutral","sentiment_score":0.03829704243689776},{"text":"That that's how compounding works long time long term.","start":1831.725,"end":1835.0249,"sentiment":"neutral","sentiment_score":0.02748518892460399},{"text":"With the aggressive aggressive sort of portfolio, we are chasing to try and get returns of 11 to 13% because you are taking on a lot more risk, and you can expect a likelihood of a negative return sort of one in every three years.","start":1836.125,"end":1849.48,"sentiment":"negative","sentiment_score":-0.33925947679413687},{"text":"So it is a bit more risk in the market.","start":1849.62,"end":1852.26,"sentiment":"negative","sentiment_score":-0.4234417900443077},{"text":"You do expect more negative returns with the ups and downs the market does feel, and the aggressive portfolio does suit suit someone who's willing to not access their money for the next sort of ten years or longer.","start":1852.26,"end":1865.025,"sentiment":"negative","sentiment_score":-0.5376012875483587}],"sentiment":"neutral","sentiment_score":-0.32076615464638886,"num_words":123,"start":1825.01,"end":1865.025},{"sentences":[{"text":"Yeah.","start":1870.62,"end":1871.12,"sentiment":"neutral","sentiment_score":0.0029831677675247192},{"text":"Yeah.","start":1874.22,"end":1874.72,"sentiment":"neutral","sentiment_score":0.007294398732483387},{"text":"Yeah.","start":1881.275,"end":1881.775,"sentiment":"neutral","sentiment_score":-0.06315472722053528},{"text":"Yeah.","start":1888.555,"end":1889.055,"sentiment":"neutral","sentiment_score":-0.1024920493364334},{"text":"No.","start":1889.515,"end":1889.995,"sentiment":"neutral","sentiment_score":-0.1857220083475113}],"sentiment":"neutral","sentiment_score":-0.06821824368089438,"num_words":5,"start":1870.62,"end":1889.995},{"sentences":[{"text":"The market definitely has been up and down a little bit.","start":1889.995,"end":1893.115,"sentiment":"neutral","sentiment_score":-0.23685202544385736},{"text":"And you are also paying for your insurances out of the super as well.","start":1893.115,"end":1896.9199,"sentiment":"neutral","sentiment_score":-0.09766301086970738},{"text":"So you do have your life, your income protection, and that premium does come out on a yearly basis.","start":1896.9199,"end":1903.5,"sentiment":"neutral","sentiment_score":0.059933831817225405},{"text":"At the moment, the premium paid for this year was about $1,528.","start":1904.12,"end":1909.26,"sentiment":"neutral","sentiment_score":-0.009123370361824831},{"text":"Yeah.","start":1911.185,"end":1911.685,"sentiment":"neutral","sentiment_score":0.07765866816043854}],"sentiment":"neutral","sentiment_score":-0.050276024626535284,"num_words":57,"start":1889.995,"end":1911.685},{"sentences":[{"text":"Yeah.","start":1911.905,"end":1912.405,"sentiment":"neutral","sentiment_score":0.11426687240600586},{"text":"But, look, honestly, the high grade portfolio is absolutely fine if you're comfortable staying in that area.","start":1913.5851,"end":1918.405,"sentiment":"positive","sentiment_score":0.345026450122104},{"text":"We can look to substitute growth and income with additional contributions.","start":1918.545,"end":1922.245,"sentiment":"positive","sentiment_score":0.34438810565254907},{"text":"And sometimes even putting something as little as, you know, twenty or fifty dollars on a weekly or fortnightly basis to begin with can be really beneficial for you so far in helping to, you know, compound that effect and provide additional growth.","start":1923.1799,"end":1936.845,"sentiment":"positive","sentiment_score":0.49185398290323656},{"text":"Generally, starting that now as opposed to the next sort of five or ten years down the track provides greater benefit to you as well because of the the longer term, you know, starting off and the compounding effect there.","start":1937.245,"end":1948.065,"sentiment":"positive","sentiment_score":0.4655136201530695}],"sentiment":"positive","sentiment_score":0.44230581926448004,"num_words":112,"start":1911.905,"end":1948.065},{"sentences":[{"text":"But look.","start":1948.605,"end":1949.085,"sentiment":"neutral","sentiment_score":-0.022682318463921547},{"text":"What we what I'd probably look at doing is just not making the switch right now.","start":1949.085,"end":1953.14,"sentiment":"neutral","sentiment_score":-0.22573165642097592},{"text":"I know we wanna get rid of Bennelong, and that's absolutely fine.","start":1953.14,"end":1955.94,"sentiment":"neutral","sentiment_score":-0.11383014482756455},{"text":"I'll maybe have a chat to you in about four weeks since Sammy gives you a call.","start":1955.94,"end":1959.64,"sentiment":"neutral","sentiment_score":0.12014330616768669},{"text":"We can talk more about your circumstances, look at what expendable cash you have, whether we look at increasing contributions into super.","start":1959.7,"end":1966.655,"sentiment":"neutral","sentiment_score":0.08277443347668106}],"sentiment":"neutral","sentiment_score":-0.016805204873283703,"num_words":69,"start":1948.605,"end":1966.655},{"sentences":[{"text":"I can do some research around some investment options to remove Van Alarm and replace that with as well.","start":1967.195,"end":1972.635,"sentiment":"neutral","sentiment_score":0.11647071169787332},{"text":"And then we can also talk about looking at investing outside of super.","start":1972.875,"end":1976.7949,"sentiment":"neutral","sentiment_score":0.12966078978318435},{"text":"And I can do have a plan for you that outlines what we do inside super with regard to investment switching and whether contributions and how that looks like over the next five to ten years for you.","start":1976.7949,"end":1987.5701,"sentiment":"neutral","sentiment_score":0.2515164786263516},{"text":"But then we can also incorporate into that same advice document investing in your own name outside of super and what that looks like for you as well.","start":1987.5701,"end":1995.625,"sentiment":"neutral","sentiment_score":0.25779375646795544},{"text":"So you can kinda get an idea of where the road map is for you both with super inside and outside of super.","start":1995.625,"end":2003.145,"sentiment":"positive","sentiment_score":0.36041276869566546}],"sentiment":"neutral","sentiment_score":0.23937089949045792,"num_words":121,"start":1967.195,"end":2003.145},{"sentences":[{"text":"Does that sound like a good idea?","start":2003.145,"end":2004.745,"sentiment":"neutral","sentiment_score":0.3161414989403316},{"text":"Do you feel comfortable with that?","start":2004.745,"end":2006.185,"sentiment":"neutral","sentiment_score":0.14684033766388893},{"text":"Or Yeah.","start":2006.185,"end":2019.5851,"sentiment":"neutral","sentiment_score":0.21946171671152115},{"text":"Absolutely.","start":2025.805,"end":2026.305,"sentiment":"positive","sentiment_score":0.5614616870880127},{"text":"Beautiful.","start":2044.645,"end":2045.145,"sentiment":"positive","sentiment_score":0.5517439246177673}],"sentiment":"neutral","sentiment_score":0.2733036213937928,"num_words":17,"start":2003.145,"end":2045.145},{"sentences":[{"text":"Yeah.","start":2045.205,"end":2045.525,"sentiment":"neutral","sentiment_score":0.19054847955703735},{"text":"No.","start":2045.525,"end":2046.005,"sentiment":"neutral","sentiment_score":0.11629076302051544},{"text":"Absolutely.","start":2046.005,"end":2046.505,"sentiment":"neutral","sentiment_score":0.16907121241092682},{"text":"Yeah.","start":2047.605,"end":2048.105,"sentiment":"neutral","sentiment_score":0.0818612277507782},{"text":"Okay.","start":2049.285,"end":2049.785,"sentiment":"neutral","sentiment_score":0.09057538211345673}],"sentiment":"neutral","sentiment_score":0.1296694129705429,"num_words":5,"start":2045.205,"end":2049.785},{"sentences":[{"text":"Absolutely.","start":2054.325,"end":2054.825,"sentiment":"positive","sentiment_score":0.35196053981781006},{"text":"Absolutely.","start":2056.18,"end":2056.68,"sentiment":"positive","sentiment_score":0.38010600209236145},{"text":"Make sure we get that plan sorted.","start":2059.94,"end":2061.62,"sentiment":"positive","sentiment_score":0.3597193402903421},{"text":"And I think it's a good idea to look at your circumstances as a whole.","start":2061.62,"end":2064.84,"sentiment":"positive","sentiment_score":0.393303390343984},{"text":"I mean, there's nothing wrong with doing little bits of a plan at a time, but I do like to be able to incorporate all of your circumstances and really look at the whole road map to see where you're sort of tracking for.","start":2065.1401,"end":2075.325,"sentiment":"positive","sentiment_score":0.4126009541479024}],"sentiment":"positive","sentiment_score":0.40153080531779456,"num_words":68,"start":2054.325,"end":2075.325},{"sentences":[{"text":"And a bigger plan encompassing all of your circumstances, both wealth inside and outside of super does work in best interest for you rather than providing little bits of advice here and there.","start":2075.625,"end":2086.4602,"sentiment":"positive","sentiment_score":0.41724708021590207},{"text":"There's nothing wrong with it in the longer term, but it does make it easier for you to sort of have that road map to kinda give you some clarity long term.","start":2086.6802,"end":2094.3801,"sentiment":"positive","sentiment_score":0.43958416394889355},{"text":"So I do like the idea of being able to do everything as one.","start":2095.095,"end":2098.795,"sentiment":"positive","sentiment_score":0.7167471349239349},{"text":"And I've Sammy's sitting right next to me, and she knows that we'll do a bit of a call in the next four weeks, book you back in, and we can really look at your circumstances as a whole, look at what you're after.","start":2099.095,"end":2109.99,"sentiment":"positive","sentiment_score":0.3601548434658484},{"text":"And it gives you a bit of time to think about your goals as well.","start":2110.07,"end":2112.63,"sentiment":"positive","sentiment_score":0.4184220751126607}],"sentiment":"positive","sentiment_score":0.4347351523305195,"num_words":138,"start":2075.625,"end":2112.63},{"sentences":[{"text":"Look at think about what you wanna do, what financial freedom feels like to you, and what you where you wanna be in the next sort of ten years so we can really work on trying to meet those goals for you.","start":2112.63,"end":2124.09,"sentiment":"neutral","sentiment_score":0.31002195534251986},{"text":"Okay?","start":2124.23,"end":2124.73,"sentiment":"neutral","sentiment_score":0.15445104241371155},{"text":"Yeah.","start":2126.355,"end":2126.855,"sentiment":"positive","sentiment_score":0.3909854888916016},{"text":"Beautiful.","start":2127.315,"end":2127.815,"sentiment":"positive","sentiment_score":0.6629438400268555},{"text":"Fantastic.","start":2128.2751,"end":2128.7751,"sentiment":"positive","sentiment_score":0.6640443801879883}],"sentiment":"neutral","sentiment_score":0.3237684103457824,"num_words":46,"start":2112.63,"end":2128.7751},{"sentences":[{"text":"So, look, your sleep, as I said, has done really well.","start":2129.955,"end":2132.435,"sentiment":"positive","sentiment_score":0.6456420204856179},{"text":"We'll keep monitoring things over the next couple of weeks, and we'll have that conversation again.","start":2132.435,"end":2136.695,"sentiment":"positive","sentiment_score":0.387080205604434},{"text":"You can see on the bottom of that summary document there as well, we've also got your insurances.","start":2137.235,"end":2141.5999,"sentiment":"neutral","sentiment_score":0.16435031468669573},{"text":"So you've got your life and your TPD cover and income protection.","start":2142.7,"end":2146.0,"sentiment":"neutral","sentiment_score":0.11939761601388454},{"text":"Do you understand how those insurances work, what they are, what they cover?","start":2146.06,"end":2149.74,"sentiment":"neutral","sentiment_score":0.053886884107039526}],"sentiment":"neutral","sentiment_score":0.2626707437847342,"num_words":70,"start":2129.955,"end":2149.74},{"sentences":[{"text":"Did you have any questions around any of those types of cover?","start":2149.74,"end":2152.72,"sentiment":"neutral","sentiment_score":0.019545317394658923},{"text":"The summary.","start":2159.095,"end":2159.835,"sentiment":"neutral","sentiment_score":-0.006512062158435583},{"text":"Yeah.","start":2161.095,"end":2161.595,"sentiment":"neutral","sentiment_score":-0.02157139964401722},{"text":"On the bottom of that page.","start":2162.855,"end":2164.395,"sentiment":"neutral","sentiment_score":-0.0583820603787899},{"text":"No.","start":2164.935,"end":2165.415,"sentiment":"neutral","sentiment_score":-0.05012141168117523}],"sentiment":"neutral","sentiment_score":-0.009112067689949816,"num_words":22,"start":2149.74,"end":2165.415},{"sentences":[{"text":"That's okay.","start":2165.415,"end":2166.235,"sentiment":"neutral","sentiment_score":-0.03404096141457558},{"text":"Yeah.","start":2170.6501,"end":2170.97,"sentiment":"neutral","sentiment_score":-0.002689945511519909},{"text":"That's the one.","start":2170.97,"end":2171.6902,"sentiment":"neutral","sentiment_score":-0.0035951929166913033},{"text":"Yep.","start":2171.6902,"end":2172.01,"sentiment":"neutral","sentiment_score":0.003654629923403263},{"text":"It's on the bottom just under your super balance.","start":2172.01,"end":2174.35,"sentiment":"neutral","sentiment_score":-0.008100951452636056}],"sentiment":"neutral","sentiment_score":-0.009425711265066639,"num_words":16,"start":2165.415,"end":2174.35},{"sentences":[{"text":"Yeah.","start":2174.4102,"end":2174.9102,"sentiment":"neutral","sentiment_score":-0.009572163224220276},{"text":"No.","start":2182.265,"end":2182.425,"sentiment":"neutral","sentiment_score":-0.07499536871910095},{"text":"That's okay.","start":2182.425,"end":2183.065,"sentiment":"neutral","sentiment_score":-0.027494422160089016},{"text":"So with the rinse with your life cover, it obviously pays out a lump sum benefit in the event that you're unable to go to work.","start":2183.065,"end":2189.325,"sentiment":"neutral","sentiment_score":0.05903034466497887},{"text":"I know with you having in the process of selling the property that you do have there at the moment, you're currently insured for 826,875.","start":2189.625,"end":2200.47,"sentiment":"neutral","sentiment_score":0.048582624718546866}],"sentiment":"neutral","sentiment_score":0.04745087641799314,"num_words":55,"start":2174.4102,"end":2200.47},{"sentences":[{"text":"Plus if you were to then pass away, your super benefit is paid out on top of that.","start":2200.47,"end":2204.71,"sentiment":"neutral","sentiment_score":0.10443453883959188},{"text":"So it means your beneficiary can also access that 162107 based on the current balance.","start":2204.71,"end":2210.855,"sentiment":"neutral","sentiment_score":0.19803810914357503},{"text":"Do you feel like that's a comfortable level of life cover for you?","start":2210.855,"end":2214.475,"sentiment":"neutral","sentiment_score":0.2961481947165269},{"text":"Yeah.","start":2217.095,"end":2217.595,"sentiment":"neutral","sentiment_score":0.15122199058532715},{"text":"Yeah.","start":2217.655,"end":2218.155,"sentiment":"neutral","sentiment_score":0.16047725081443787}],"sentiment":"neutral","sentiment_score":0.18775039810376862,"num_words":48,"start":2200.47,"end":2218.155},{"sentences":[{"text":"That's alright.","start":2220.31,"end":2221.21,"sentiment":"neutral","sentiment_score":0.21536215394735336},{"text":"Look.","start":2223.19,"end":2223.51,"sentiment":"neutral","sentiment_score":0.20448586344718933},{"text":"Honestly, that is the one thing.","start":2223.51,"end":2225.43,"sentiment":"neutral","sentiment_score":0.23699217041333517},{"text":"We have these have these sorts of insurances, and we have beneficiaries in place to make sure that if something was to happen, that we have, you know, all of that covered and that the money can be paid to where you want it to go.","start":2225.43,"end":2236.725,"sentiment":"positive","sentiment_score":0.35315975482049194},{"text":"But at the end of the day, you always just wanna be able to make sure nothing happens to you and that you get to retirement and that you can enjoy your life you've worked so hard for.","start":2236.945,"end":2247.0251,"sentiment":"positive","sentiment_score":0.5307943448424339}],"sentiment":"positive","sentiment_score":0.4136849141890003,"num_words":93,"start":2220.31,"end":2247.0251},{"sentences":[{"text":"So I absolutely agree with you there.","start":2247.0251,"end":2250.53,"sentiment":"positive","sentiment_score":0.567561822278159},{"text":"Yeah.","start":2250.53,"end":2251.03,"sentiment":"neutral","sentiment_score":0.2616789937019348},{"text":"With your benefit of your life cover and your super, where is it that you are sort of wanting to have that paid?","start":2251.81,"end":2257.49,"sentiment":"neutral","sentiment_score":0.2094403686730758},{"text":"I can see you've got beneficiaries here, and you have currently on your super 32% paid to Alexander.","start":2257.49,"end":2264.285,"sentiment":"neutral","sentiment_score":0.23400480134619606},{"text":"I've got 36% to Jordan and 32% to Sophie.","start":2264.585,"end":2268.825,"sentiment":"neutral","sentiment_score":0.24162349436018202}],"sentiment":"neutral","sentiment_score":0.2661799672862579,"num_words":58,"start":2247.0251,"end":2268.825},{"sentences":[{"text":"Are you happy with how that is all nominated?","start":2268.825,"end":2271.2449,"sentiment":"positive","sentiment_score":0.5082259045706855},{"text":"Yep.","start":2273.385,"end":2273.885,"sentiment":"positive","sentiment_score":0.34849900007247925},{"text":"Beautiful.","start":2273.9448,"end":2274.4448,"sentiment":"positive","sentiment_score":0.7304626703262329},{"text":"With just a little bit more.","start":2275.385,"end":2280.7349,"sentiment":"neutral","sentiment_score":-0.0003889625271161397},{"text":"Lucky duck.","start":2280.7349,"end":2281.7148,"sentiment":"positive","sentiment_score":0.359859898686409}],"sentiment":"positive","sentiment_score":0.33528320177605275,"num_words":19,"start":2268.825,"end":2281.7148},{"sentences":[{"text":"No.","start":2282.9749,"end":2283.3748,"sentiment":"neutral","sentiment_score":-0.11453453451395036},{"text":"All good.","start":2283.3748,"end":2284.1948,"sentiment":"neutral","sentiment_score":0.2167026698589325},{"text":"Now with your","start":2284.4148,"end":2286.0,"sentiment":"neutral","sentiment_score":0.02755448967218399}],"sentiment":"neutral","sentiment_score":0.06692237903674443,"num_words":6,"start":2282.9749,"end":2286.0}]}}]},{"alternatives":[{"transcript":"Hello? I'm not speaking. I'm good, Diana. How are you? It is. Yeah. That's fine. It's Matthew Steven Dunn. First of 1282 And 79 Roderick Street, Ipswich. Yes. I don't think so. I mean, it'd be nice to talk to have the annual review. So so that's cool. And, look, I just saw an email from you guys, and it prompted me to re reply and just thinking about my situation currently and just thinking longevity and based on what I'm where I'm at right now. So I look. I need to get some savings going. I need to, you know, I need to think about investing, and I need you know? So I just wanna talk, and I want I needed to make sense. So Google only gets me so far. You know? Perfect. What's that, sir? Actually, let's crack it open now. What was it that made me just go so if it's in where is it? I've still got it in my inbox, I believe. Unless it's secondary. Maybe well, I'm just gonna type in IP. Yes. Well, there's a case study. It was a case. Yes. About Tom. Yes. That was it. Yep. Yep. Yeah. That's right. Yeah. Yes. No. That sounds perfect. Yep. Yeah. Sure. That's okay. I'm just trying to open that, but oh, okay. Okay. Sorry. Yeah. It says signed document, which isn't working. The PDF. Yep. Yes. So, James, you want me to crack that one open? Yep. Okay. Let's go. This is going to open. Come on. Yeah. No. It's it's seems to when because I had the page out of the email, it wasn't working. Strange. Okay. So I see a summary of superannuation insurance as of June 26. Yes. Yep. Okay. Got that open. Okay. Okay. That's right. Yeah. Yes. Yes. It has. Since since since the inception, it's it's it it has. It's it's gone up a lot. I think it's it's doubled in the last sort of couple of years, which, you know, all three years, I think, I might have been with you guys now, and and that's great. That's great to see. Yeah. Okay. So, yeah, two and a half years now. Yep. Well, like, at the at the present look. I was you know, because I sort of got out of where I was living, and I'm sort of I'm out of my I'm out of my own now. And we're currently trying to sell a property that had only just finished being built. So there's no one living in it to copy, you know, the offset of of what's owed on. So we're I'm just I'm just bleeding money into this thing until the sixty day settlement's over, which should be in the next couple of weeks. So I'm basically I'm I'm just sitting on nothing until for the time being, until this thing has just gone and out of my life and, hopefully, a little bit of money back in my pocket, and then I can start reconfiguring and rejigging everything and and start to try to build some serious wealth. I mean yeah. And yeah. It's a it's a crappy time in that regard. So I just need to get over this hump, and then I will be, you know, sort of back in on the board and but, yeah, super contributions. I I would I would like to I'd like to do that, but I'm sort of wondering I mean so like I said, what what am I I'm 42. I'm turning 44 at the end of this year, and I want I wanna make some, you know, get some serious setup going for the next ten years. And I'm like, what's the best way for me to do that? Is it through super? Is it through saving and property investing or just investing in in in the share market outside of super. I'm just don't know what's the best way to go about it. You know? Yes. Yeah. That's right. But then there's gotta be capital gains on it because we've just sold a house that and sold bought a built a house and selling it instantly, so I don't know what that's going to do to it. Yeah. And I've got a couple of things, but I I feel like at the end of it, I'm not going to walk away with much, but that will be going out of my life, and that's all I really want. You know? I just want that gone. So Yes. Yeah. Yep. I I think yeah. I I would like to build wealth outside, and I'm just I guess I'm, like, anybody. I'm just sort of looking for financial freedom, and I want it sooner rather than later. And I want but, you know, I'm I'm I don't wanna be impatient at all. I don't like you know, obviously, gotta do it right, and I don't have many choices. So I just need to lock in and and do it. But, yeah, super and the end of the road isn't really what I'm thinking. I would just like some flexibility and to relax on it a bit even while I'm working. You know? And I don't know if buying property, moving into it, and moving someone in and getting them paying it off for me as well and or it was the way to go or whether there are better returns over a ten year period with one of your suggestions. I don't know. And but I just want the easiest and, you know, and and what's going to help me the most. You know? 60 five, I don't 6065, I don't think is yeah. And I don't know. It's far away, you know. And I don't know. I don't know. Yeah. Yes. Okay. Yeah. That sounds great. That's right. Yeah. Yeah. Just give it a give it a month. Give it a month and yeah. Yeah. A 100%. I think everything should be done and dusted by then, and I'll know where I stand and and how I'm gonna move forward. You know? So yeah. Mhmm. Yeah. I mean, I guess, you know, a a month ain't gonna change too much. But, I mean, what sort of changes would you think to make now? Right. So the brackets mean it's going down. It's down nine. So the brackets mean it's down. Is that right? Okay. Wow. Okay. Yeah. Well, look. Let's can we kick them to the curb now? I mean, I could because I was thinking, like, this year at 10%, like, I mean, is that the worst year so far? Because I'm sure the other year made is the first year or second year. I don't know. It was up at, like, 14%, and I was really impressed. Maybe it was the first year, but I was Yeah. Yep. Yeah. Yep. Yep. It does. Yes. Yeah. I was just thinking, like, that that been a long one. I mean, there's I mean, like, when you're thinking of or when you mentioned, you know, sort of getting that making that change and getting out of that one essentially, that would be selling the shares in that, wouldn't it? That's what that would mean. Do you think selling selling it while it's low or, like, do you think it would come back up? Do you think it would get back to where it needs to be? Yeah. Yeah. Yeah. Right. Yeah. Do you think it do you think the strategy in a few weeks would be something more aggressive given the timeline that I'm looking at? And, like, how would you what are you thinking as an approach in a in a few weeks? And how I mean, it's probably a lot broader than what I'm thinking. I mean, it's, yeah, when you start combining what income I I you know, oh, well, I have to stare each week and yeah. It's I'm sorry. I kinda no. No. Go ahead, sir. That that that global that global battery tech in lithium is up, like, 86%. I mean, that's crazy. Mhmm. Yep. That's right. Yeah. Mhmm. Yeah. Well, I'm not like, I've just sorta let my circuit do a thing. I don't stress out about it at all. Like, I do look at the and I see the fluctuations on the chart and whatnot. I think I think it was up to one sixty five, and then when I when I looked at it, it was down to, like, one sixty. So I realized that there was a drop there, but maybe that was fees. Maybe that was annual fees or something as well. I I don't know. But Right. Yes. Okay. Yeah. I do. And look, Dana, look, I I'm coming to you because you're the expert. And, you know, so when when you like, I I essentially, I mean, I guess your customer building wealth is how you guys make a living. You know what I mean? So I I I I 100% take your advice on board, and I and I trust your judgment. And whether whether you need you feel like you should do something today about that panel or whether you whether you're okay to wait a few weeks, I mean, I'm just sort of happy to go with what whatever it is you think is the best thing to do. Yeah. But then when we get to that point in a few weeks, yeah, let's let's let's talk seriously about how we can, yeah, get that growth going. Yeah. Mhmm. Yeah. Sounds good. Sounds good. No. I don't think I've actually lost where that where that email oh, here we go. Okay. So what do we got? Super and insured summary. No. Not really. No. I've got is Vanguard index super insurance summary. That's the one? Super insurance summary? Is it the one you need? Super no. Okay. Prox sorry. Hub 24162 MetLife. Just doing that thing. No. I don't really have any queries about that. No. It's all good. Yeah. I think so. You know? Yeah. It's okay. Hopefully, I live. Absolutely. Yeah. Yes. Yeah. 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I'm not speaking. I'm good, Diana. How are you? It is.\n\nYeah. That's fine. It's Matthew Steven Dunn. First of 1282 And 79 Roderick Street, Ipswich. Yes.\n\nI don't think so. I mean, it'd be nice to talk to have the annual review. So so that's cool. And, look, I just saw an email from you guys, and it prompted me to re reply and just thinking about my situation currently and just thinking longevity and based on what I'm where I'm at right now. So I look.\n\nI need to get some savings going. I need to, you know, I need to think about investing, and I need you know? So I just wanna talk, and I want I needed to make sense. So Google only gets me so far. You know?\n\nPerfect. What's that, sir? Actually, let's crack it open now. What was it that made me just go so if it's in where is it? I've still got it in my inbox, I believe.\n\nUnless it's secondary. Maybe well, I'm just gonna type in IP. Yes. Well, there's a case study. It was a case.\n\nYes. About Tom. Yes. That was it. Yep.\n\nYep. Yeah. That's right. Yeah. Yes.\n\nNo. That sounds perfect. Yep. Yeah. Sure.\n\nThat's okay. I'm just trying to open that, but oh, okay. Okay. Sorry. Yeah.\n\nIt says signed document, which isn't working. The PDF. Yep. Yes. So, James, you want me to crack that one open?\n\nYep. Okay. Let's go. This is going to open. Come on.\n\nYeah. No. It's it's seems to when because I had the page out of the email, it wasn't working. Strange. Okay.\n\nSo I see a summary of superannuation insurance as of June 26. Yes. Yep. Okay. Got that open.\n\nOkay. Okay. That's right. Yeah. Yes.\n\nYes. It has. Since since since the inception, it's it's it it has. It's it's gone up a lot. I think it's it's doubled in the last sort of couple of years, which, you know, all three years, I think, I might have been with you guys now, and and that's great.\n\nThat's great to see. Yeah. Okay. So, yeah, two and a half years now. Yep.\n\nWell, like, at the at the present look. I was you know, because I sort of got out of where I was living, and I'm sort of I'm out of my I'm out of my own now. And we're currently trying to sell a property that had only just finished being built. So there's no one living in it to copy, you know, the offset of of what's owed on. So we're I'm just I'm just bleeding money into this thing until the sixty day settlement's over, which should be in the next couple of weeks.\n\nSo I'm basically I'm I'm just sitting on nothing until for the time being, until this thing has just gone and out of my life and, hopefully, a little bit of money back in my pocket, and then I can start reconfiguring and rejigging everything and and start to try to build some serious wealth. I mean yeah. And yeah. It's a it's a crappy time in that regard. So I just need to get over this hump, and then I will be, you know, sort of back in on the board and but, yeah, super contributions.\n\nI I would I would like to I'd like to do that, but I'm sort of wondering I mean so like I said, what what am I I'm 42. I'm turning 44 at the end of this year, and I want I wanna make some, you know, get some serious setup going for the next ten years. And I'm like, what's the best way for me to do that? Is it through super? Is it through saving and property investing or just investing in in in the share market outside of super.\n\nI'm just don't know what's the best way to go about it. You know? Yes. Yeah. That's right.\n\nBut then there's gotta be capital gains on it because we've just sold a house that and sold bought a built a house and selling it instantly, so I don't know what that's going to do to it. Yeah. And I've got a couple of things, but I I feel like at the end of it, I'm not going to walk away with much, but that will be going out of my life, and that's all I really want. You know? I just want that gone.\n\nSo Yes. Yeah. Yep. I I think yeah. I I would like to build wealth outside, and I'm just I guess I'm, like, anybody.\n\nI'm just sort of looking for financial freedom, and I want it sooner rather than later. And I want but, you know, I'm I'm I don't wanna be impatient at all. I don't like you know, obviously, gotta do it right, and I don't have many choices. So I just need to lock in and and do it. But, yeah, super and the end of the road isn't really what I'm thinking.\n\nI would just like some flexibility and to relax on it a bit even while I'm working. You know? And I don't know if buying property, moving into it, and moving someone in and getting them paying it off for me as well and or it was the way to go or whether there are better returns over a ten year period with one of your suggestions. I don't know. And but I just want the easiest and, you know, and and what's going to help me the most.\n\nYou know? 60 five, I don't 6065, I don't think is yeah. And I don't know. It's far away, you know. And I don't know.\n\nI don't know. Yeah. Yes. Okay. Yeah.\n\nThat sounds great. That's right. Yeah. Yeah. Just give it a give it a month.\n\nGive it a month and yeah. Yeah. A 100%. I think everything should be done and dusted by then, and I'll know where I stand and and how I'm gonna move forward. You know?\n\nSo yeah. Mhmm. Yeah. I mean, I guess, you know, a a month ain't gonna change too much. But, I mean, what sort of changes would you think to make now?\n\nRight. So the brackets mean it's going down. It's down nine. So the brackets mean it's down. Is that right?\n\nOkay. Wow. Okay. Yeah. Well, look.\n\nLet's can we kick them to the curb now? I mean, I could because I was thinking, like, this year at 10%, like, I mean, is that the worst year so far? Because I'm sure the other year made is the first year or second year. I don't know. It was up at, like, 14%, and I was really impressed.\n\nMaybe it was the first year, but I was Yeah. Yep. Yeah. Yep. Yep.\n\nIt does. Yes. Yeah. I was just thinking, like, that that been a long one. I mean, there's I mean, like, when you're thinking of or when you mentioned, you know, sort of getting that making that change and getting out of that one essentially, that would be selling the shares in that, wouldn't it?\n\nThat's what that would mean. Do you think selling selling it while it's low or, like, do you think it would come back up? Do you think it would get back to where it needs to be? Yeah. Yeah.\n\nYeah. Right. Yeah. Do you think it do you think the strategy in a few weeks would be something more aggressive given the timeline that I'm looking at? And, like, how would you what are you thinking as an approach in a in a few weeks?\n\nAnd how I mean, it's probably a lot broader than what I'm thinking. I mean, it's, yeah, when you start combining what income I I you know, oh, well, I have to stare each week and yeah. It's I'm sorry. I kinda no. No.\n\nGo ahead, sir. That that that global that global battery tech in lithium is up, like, 86%. I mean, that's crazy. Mhmm. Yep.\n\nThat's right. Yeah. Mhmm. Yeah. Well, I'm not like, I've just sorta let my circuit do a thing.\n\nI don't stress out about it at all. Like, I do look at the and I see the fluctuations on the chart and whatnot. I think I think it was up to one sixty five, and then when I when I looked at it, it was down to, like, one sixty. So I realized that there was a drop there, but maybe that was fees. Maybe that was annual fees or something as well.\n\nI I don't know. But Right. Yes. Okay. Yeah.\n\nI do. And look, Dana, look, I I'm coming to you because you're the expert. And, you know, so when when you like, I I essentially, I mean, I guess your customer building wealth is how you guys make a living. You know what I mean? So I I I I 100% take your advice on board, and I and I trust your judgment.\n\nAnd whether whether you need you feel like you should do something today about that panel or whether you whether you're okay to wait a few weeks, I mean, I'm just sort of happy to go with what whatever it is you think is the best thing to do. Yeah. But then when we get to that point in a few weeks, yeah, let's let's let's talk seriously about how we can, yeah, get that growth going. Yeah. Mhmm.\n\nYeah. Sounds good. Sounds good. No. I don't think I've actually lost where that where that email oh, here we go.\n\nOkay. So what do we got? Super and insured summary. No. Not really.\n\nNo. I've got is Vanguard index super insurance summary. That's the one? Super insurance summary? Is it the one you need?\n\nSuper no. Okay. Prox sorry. Hub 24162 MetLife. Just doing that thing.\n\nNo. I don't really have any queries about that. No. It's all good. Yeah.\n\nI think so. You know? Yeah. It's okay. Hopefully, I live.\n\nAbsolutely. Yeah. Yes. Yeah. My eldest son has had to put up with me for longer, so he gets the extra.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.5999999,"sentiment":"neutral","sentiment_score":-0.015263782814145088},{"text":"I'm not speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":-0.1324016029636065},{"text":"I'm good, Diana.","start":6.72,"end":7.52,"sentiment":"positive","sentiment_score":0.4151447614034017},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"positive","sentiment_score":0.35830917954444885},{"text":"It is.","start":15.015,"end":24.875,"sentiment":"neutral","sentiment_score":0.27455055713653564}],"sentiment":"neutral","sentiment_score":0.20474952878430486,"num_words":12,"start":1.36,"end":24.875},{"sentences":[{"text":"Yeah.","start":25.015,"end":25.335,"sentiment":"neutral","sentiment_score":0.1755456030368805},{"text":"That's fine.","start":25.335,"end":26.154999,"sentiment":"neutral","sentiment_score":0.32762056589126587},{"text":"It's Matthew Steven Dunn.","start":33.23,"end":34.829998,"sentiment":"neutral","sentiment_score":0.035648202523589134},{"text":"First of 1282 And 79 Roderick Street, Ipswich.","start":34.829998,"end":39.41,"sentiment":"neutral","sentiment_score":0.032926830695942044},{"text":"Yes.","start":53.625,"end":54.125,"sentiment":"neutral","sentiment_score":0.07857272773981094}],"sentiment":"neutral","sentiment_score":0.08221043238881975,"num_words":16,"start":25.015,"end":54.125},{"sentences":[{"text":"I don't think so.","start":61.99,"end":62.79,"sentiment":"neutral","sentiment_score":-0.077818613499403},{"text":"I mean, it'd be nice to talk to have the annual review.","start":62.79,"end":65.93,"sentiment":"neutral","sentiment_score":0.05139096515874068},{"text":"So so that's cool.","start":68.065,"end":69.365,"sentiment":"neutral","sentiment_score":0.20959504321217537},{"text":"And, look, I just saw an email from you guys, and it prompted me to re reply and just thinking about my situation currently and just thinking longevity and based on what I'm where I'm at right now.","start":69.585,"end":84.79,"sentiment":"neutral","sentiment_score":0.028513777167781404},{"text":"So I look.","start":84.79,"end":85.35,"sentiment":"neutral","sentiment_score":0.014817671850323677}],"sentiment":"neutral","sentiment_score":0.03724219424069905,"num_words":61,"start":61.99,"end":85.35},{"sentences":[{"text":"I need to get some savings going.","start":85.35,"end":86.869995,"sentiment":"neutral","sentiment_score":0.015407892210142953},{"text":"I need to, you know, I need to think about investing, and I need you know?","start":86.869995,"end":90.79,"sentiment":"neutral","sentiment_score":0.029116766527295113},{"text":"So I just wanna talk, and I want I needed to make sense.","start":90.79,"end":94.55,"sentiment":"neutral","sentiment_score":0.045884302602364466},{"text":"So Google only gets me so far.","start":94.55,"end":96.15,"sentiment":"neutral","sentiment_score":0.013306848438722747},{"text":"You know?","start":96.15,"end":96.81,"sentiment":"neutral","sentiment_score":0.02986954152584076}],"sentiment":"neutral","sentiment_score":0.029402365908026695,"num_words":45,"start":85.35,"end":96.81},{"sentences":[{"text":"Perfect.","start":124.32,"end":124.82,"sentiment":"positive","sentiment_score":0.6300190091133118},{"text":"What's that, sir?","start":131.815,"end":132.795,"sentiment":"neutral","sentiment_score":0.02758729364722967},{"text":"Actually, let's crack it open now.","start":136.375,"end":138.135,"sentiment":"neutral","sentiment_score":0.0073085869662463665},{"text":"What was it that made me just go so if it's in where is it?","start":138.135,"end":143.69,"sentiment":"neutral","sentiment_score":-0.0161305649826924},{"text":"I've still got it in my inbox, I believe.","start":143.69,"end":146.91,"sentiment":"neutral","sentiment_score":-0.00384942967341178}],"sentiment":"neutral","sentiment_score":0.01411850206033491,"num_words":34,"start":124.32,"end":146.91},{"sentences":[{"text":"Unless it's secondary.","start":147.69,"end":151.39,"sentiment":"neutral","sentiment_score":-0.05807905395825704},{"text":"Maybe well, I'm just gonna type in IP.","start":153.05,"end":155.79,"sentiment":"neutral","sentiment_score":-0.036655703908763826},{"text":"Yes.","start":163.475,"end":163.975,"sentiment":"neutral","sentiment_score":0.04373003914952278},{"text":"Well, there's a case study.","start":164.195,"end":165.655,"sentiment":"neutral","sentiment_score":0.02835174575448036},{"text":"It was a case.","start":166.515,"end":167.315,"sentiment":"neutral","sentiment_score":0.02124836528673768}],"sentiment":"neutral","sentiment_score":-0.00938097924171459,"num_words":21,"start":147.69,"end":167.315},{"sentences":[{"text":"Yes.","start":167.315,"end":167.635,"sentiment":"neutral","sentiment_score":0.03624730557203293},{"text":"About Tom.","start":167.635,"end":168.515,"sentiment":"neutral","sentiment_score":0.009470016695559025},{"text":"Yes.","start":168.515,"end":168.835,"sentiment":"neutral","sentiment_score":0.02019064873456955},{"text":"That was 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perfect.","start":265.2,"end":266.18002,"sentiment":"positive","sentiment_score":0.46755603949228924},{"text":"Yep.","start":285.115,"end":285.615,"sentiment":"neutral","sentiment_score":0.1017685979604721},{"text":"Yeah.","start":314.195,"end":314.435,"sentiment":"neutral","sentiment_score":0.05942843481898308},{"text":"Sure.","start":314.435,"end":314.835,"sentiment":"neutral","sentiment_score":0.11823353171348572}],"sentiment":"neutral","sentiment_score":0.2681517425392355,"num_words":7,"start":264.96002,"end":314.835},{"sentences":[{"text":"That's okay.","start":314.835,"end":315.575,"sentiment":"neutral","sentiment_score":0.23290865868330002},{"text":"I'm just trying to open that, but oh, okay.","start":333.725,"end":336.685,"sentiment":"neutral","sentiment_score":-0.18048174182573953},{"text":"Okay.","start":336.685,"end":337.185,"sentiment":"neutral","sentiment_score":-0.09167717397212982},{"text":"Sorry.","start":337.32498,"end":337.805,"sentiment":"neutral","sentiment_score":-0.1268722116947174},{"text":"Yeah.","start":337.805,"end":338.04498,"sentiment":"neutral","sentiment_score":-0.060351647436618805}],"sentiment":"neutral","sentiment_score":-0.10267281372632299,"num_words":14,"start":314.835,"end":338.04498},{"sentences":[{"text":"It says signed document, which isn't working.","start":338.04498,"end":340.22498,"sentiment":"neutral","sentiment_score":-0.23382179651941573},{"text":"The PDF.","start":346.15,"end":346.88998,"sentiment":"neutral","sentiment_score":0.0009693738538771868},{"text":"Yep.","start":347.03,"end":347.53,"sentiment":"neutral","sentiment_score":0.008911021053791046},{"text":"Yes.","start":353.35,"end":353.83,"sentiment":"neutral","sentiment_score":0.00882869865745306},{"text":"So, James, you want me to crack that one open?","start":353.83,"end":356.01,"sentiment":"neutral","sentiment_score":-0.03606737484224141}],"sentiment":"neutral","sentiment_score":-0.09417846936377741,"num_words":21,"start":338.04498,"end":356.01},{"sentences":[{"text":"Yep.","start":358.175,"end":358.675,"sentiment":"neutral","sentiment_score":0.030528783798217773},{"text":"Okay.","start":358.735,"end":359.235,"sentiment":"neutral","sentiment_score":0.05223274230957031},{"text":"Let's go.","start":359.535,"end":360.275,"sentiment":"neutral","sentiment_score":0.07405499927699566},{"text":"This is going to open.","start":360.97498,"end":362.275,"sentiment":"positive","sentiment_score":0.34634790420532224},{"text":"Come on.","start":362.335,"end":363.07498,"sentiment":"neutral","sentiment_score":0.10149101912975311}],"sentiment":"neutral","sentiment_score":0.1968720985407179,"num_words":11,"start":358.175,"end":363.07498},{"sentences":[{"text":"Yeah.","start":366.175,"end":366.57498,"sentiment":"neutral","sentiment_score":-0.02931090258061886},{"text":"No.","start":366.57498,"end":366.895,"sentiment":"neutral","sentiment_score":-0.16512982547283173},{"text":"It's it's seems to when because I had the page out of the email, it wasn't working.","start":366.895,"end":371.375,"sentiment":"neutral","sentiment_score":-0.2125297460485907},{"text":"Strange.","start":371.375,"end":371.875,"sentiment":"neutral","sentiment_score":-0.12951911985874176},{"text":"Okay.","start":372.07,"end":372.39,"sentiment":"neutral","sentiment_score":-0.03056192584335804}],"sentiment":"neutral","sentiment_score":-0.18892987888483775,"num_words":21,"start":366.175,"end":372.39},{"sentences":[{"text":"So I see a summary of superannuation insurance as of June 26.","start":372.39,"end":376.81,"sentiment":"neutral","sentiment_score":0.0020513543083022037},{"text":"Yes.","start":408.18,"end":408.68,"sentiment":"neutral","sentiment_score":0.02350800111889839},{"text":"Yep.","start":410.1,"end":410.6,"sentiment":"neutral","sentiment_score":0.20422989130020144},{"text":"Okay.","start":411.94,"end":412.44,"sentiment":"neutral","sentiment_score":0.11974863708019257},{"text":"Got that 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has.","start":580.995,"end":581.555,"sentiment":"positive","sentiment_score":0.36093710362911224},{"text":"Since since since the inception, it's it's it it has.","start":581.555,"end":584.435,"sentiment":"neutral","sentiment_score":0.316815023124218},{"text":"It's it's gone up a lot.","start":584.435,"end":585.795,"sentiment":"positive","sentiment_score":0.38934333622455597},{"text":"I think it's it's doubled in the last sort of couple of years, which, you know, all three years, I think, I might have been with you guys now, and and that's great.","start":585.795,"end":592.57996,"sentiment":"neutral","sentiment_score":0.17261937621868018}],"sentiment":"neutral","sentiment_score":0.2333461782680108,"num_words":52,"start":527.165,"end":592.57996},{"sentences":[{"text":"That's great to see.","start":592.57996,"end":593.72,"sentiment":"positive","sentiment_score":0.6625072360038757},{"text":"Yeah.","start":615.73,"end":616.13,"sentiment":"neutral","sentiment_score":0.07043175399303436},{"text":"Okay.","start":616.13,"end":616.63,"sentiment":"neutral","sentiment_score":0.046014271676540375},{"text":"So, yeah, two and a half years now.","start":617.01,"end":618.71,"sentiment":"neutral","sentiment_score":0.017645547632128},{"text":"Yep.","start":638.255,"end":638.755,"sentiment":"neutral","sentiment_score":0.05902964994311333}],"sentiment":"neutral","sentiment_score":0.19777793337901434,"num_words":15,"start":592.57996,"end":638.755},{"sentences":[{"text":"Well, like, at the at the present look.","start":655.165,"end":658.685,"sentiment":"neutral","sentiment_score":-0.06859911419451237},{"text":"I was you know, because I sort of got out of where I was living, and I'm sort of I'm out of my I'm out of my own now.","start":658.685,"end":664.685,"sentiment":"neutral","sentiment_score":-0.12712586722497282},{"text":"And we're currently trying to sell a property that had only just finished being built.","start":664.685,"end":669.48,"sentiment":"neutral","sentiment_score":-0.08900359893838565},{"text":"So there's no one living in it to copy, you know, the offset of of what's owed on.","start":670.04,"end":675.88,"sentiment":"neutral","sentiment_score":-0.12607034751110607},{"text":"So we're I'm just I'm just bleeding money into this thing until the sixty day settlement's over, which should be in the next couple of weeks.","start":675.88,"end":683.01996,"sentiment":"neutral","sentiment_score":-0.007534778999307981}],"sentiment":"neutral","sentiment_score":-0.08370487037852097,"num_words":96,"start":655.165,"end":683.01996},{"sentences":[{"text":"So I'm basically I'm I'm just sitting on nothing until for the time being, until this thing has just gone and out of my life and, hopefully, a little bit of money back in my pocket, and then I can start reconfiguring and rejigging everything and and start to try to build some serious wealth.","start":683.905,"end":699.88995,"sentiment":"neutral","sentiment_score":0.10347544831985778},{"text":"I mean yeah.","start":699.88995,"end":701.49,"sentiment":"neutral","sentiment_score":-0.07387991497913997},{"text":"And yeah.","start":701.49,"end":703.11,"sentiment":"neutral","sentiment_score":-0.20345145463943481},{"text":"It's a it's a crappy time in that regard.","start":703.73,"end":706.85,"sentiment":"negative","sentiment_score":-0.5167148841751946},{"text":"So I just need to get over this hump, and then I will be, you know, sort of back in on the board and but, yeah, super contributions.","start":706.85,"end":713.28503,"sentiment":"neutral","sentiment_score":-0.11935466900467873}],"sentiment":"neutral","sentiment_score":-0.030203687487957404,"num_words":97,"start":683.905,"end":713.28503},{"sentences":[{"text":"I I would I would like to I'd like to do that, but I'm sort of wondering I mean so like I said, what what am I I'm 42.","start":713.425,"end":723.505,"sentiment":"neutral","sentiment_score":-0.013670504478545025},{"text":"I'm turning 44 at the end of this year, and I want I wanna make some, you know, get some serious setup going for the next ten years.","start":723.505,"end":730.51996,"sentiment":"neutral","sentiment_score":0.11920937629682678},{"text":"And I'm like, what's the best way for me to do that?","start":730.51996,"end":733.0,"sentiment":"neutral","sentiment_score":0.03157663865325352},{"text":"Is it through super?","start":733.0,"end":733.95996,"sentiment":"neutral","sentiment_score":0.014017160050570965},{"text":"Is it through saving and property investing or just investing in in in the share market outside of 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because we've just sold a house that and sold bought a built a house and selling it instantly, so I don't know what that's going to do to it.","start":778.425,"end":787.79004,"sentiment":"neutral","sentiment_score":0.10620259983759177},{"text":"Yeah.","start":789.85004,"end":790.25,"sentiment":"neutral","sentiment_score":-0.01726398803293705},{"text":"And I've got a couple of things, but I I feel like at the end of it, I'm not going to walk away with much, but that will be going out of my life, and that's all I really want.","start":790.25,"end":797.415,"sentiment":"neutral","sentiment_score":-0.15955957379192115},{"text":"You know?","start":797.415,"end":797.89496,"sentiment":"neutral","sentiment_score":-0.019304972141981125},{"text":"I just want that gone.","start":797.89496,"end":799.095,"sentiment":"neutral","sentiment_score":-0.1926434025168419}],"sentiment":"neutral","sentiment_score":-0.039136919799412404,"num_words":86,"start":778.425,"end":799.095},{"sentences":[{"text":"So 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all.","start":995.21,"end":999.85004,"sentiment":"neutral","sentiment_score":-0.22204606433709462},{"text":"I don't like you know, obviously, gotta do it right, and I don't have many choices.","start":999.85004,"end":1003.07,"sentiment":"neutral","sentiment_score":-0.2959640473127365},{"text":"So I just need to lock in and and do it.","start":1003.37,"end":1007.90497,"sentiment":"neutral","sentiment_score":0.1520735357295383},{"text":"But, yeah, super and the end of the road isn't really what I'm thinking.","start":1007.90497,"end":1012.305,"sentiment":"neutral","sentiment_score":0.19071896533880914}],"sentiment":"neutral","sentiment_score":-0.010009992815968063,"num_words":72,"start":990.81,"end":1012.305},{"sentences":[{"text":"I would just like some flexibility and to relax on it a bit even while I'm working.","start":1012.305,"end":1018.08496,"sentiment":"positive","sentiment_score":0.4289252170745064},{"text":"You know?","start":1018.19,"end":1018.75,"sentiment":"neutral","sentiment_score":0.1983194276690483},{"text":"And I don't know if buying property, moving into it, and moving someone in and getting them paying it off for me as well and or it was the way to go or whether there are better returns over a ten year period with one of your suggestions.","start":1018.75,"end":1032.465,"sentiment":"positive","sentiment_score":0.33569757531707484},{"text":"I don't know.","start":1033.325,"end":1034.205,"sentiment":"neutral","sentiment_score":-0.17724827925364176},{"text":"And but I just want the easiest and, you know, and and what's going to help me the most.","start":1034.205,"end":1041.325,"sentiment":"neutral","sentiment_score":0.2485898595891501}],"sentiment":"neutral","sentiment_score":0.31453161410401376,"num_words":89,"start":1012.305,"end":1041.325},{"sentences":[{"text":"You know?","start":1041.325,"end":1041.985,"sentiment":"neutral","sentiment_score":0.08657583594322205},{"text":"60 five, I don't 6065, I don't think is yeah.","start":1042.445,"end":1047.3301,"sentiment":"neutral","sentiment_score":-0.1650920443236828},{"text":"And I don't know.","start":1047.3301,"end":1047.89,"sentiment":"neutral","sentiment_score":-0.31043840944767},{"text":"It's far away, you know.","start":1047.89,"end":1049.35,"sentiment":"negative","sentiment_score":-0.43920504450798037},{"text":"And I don't know.","start":1051.01,"end":1051.48,"sentiment":"negative","sentiment_score":-0.35121670365333557}],"sentiment":"neutral","sentiment_score":-0.2528165778517723,"num_words":25,"start":1041.325,"end":1051.48},{"sentences":[{"text":"I don't know.","start":1051.48,"end":1052.47,"sentiment":"neutral","sentiment_score":-0.3312256932258606},{"text":"Yeah.","start":1067.6951,"end":1068.1951,"sentiment":"neutral","sentiment_score":0.2088390588760376},{"text":"Yes.","start":1086.765,"end":1087.265,"sentiment":"neutral","sentiment_score":0.20859596133232117},{"text":"Okay.","start":1097.9651,"end":1098.4651,"sentiment":"neutral","sentiment_score":0.20840904116630551},{"text":"Yeah.","start":1119.155,"end":1119.475,"sentiment":"neutral","sentiment_score":0.330436110496521}],"sentiment":"neutral","sentiment_score":-0.005342415400913784,"num_words":7,"start":1051.48,"end":1119.475},{"sentences":[{"text":"That sounds great.","start":1119.475,"end":1120.535,"sentiment":"positive","sentiment_score":0.6652995149294535},{"text":"That's right.","start":1124.115,"end":1124.935,"sentiment":"neutral","sentiment_score":0.06314408313483},{"text":"Yeah.","start":1125.155,"end":1125.655,"sentiment":"neutral","sentiment_score":0.07670968770980835},{"text":"Yeah.","start":1141.26,"end":1141.58,"sentiment":"neutral","sentiment_score":0.08550678938627243},{"text":"Just give it a give it a month.","start":1141.58,"end":1142.94,"sentiment":"neutral","sentiment_score":0.08887670282274485}],"sentiment":"neutral","sentiment_score":0.19969445404907069,"num_words":15,"start":1119.475,"end":1142.94},{"sentences":[{"text":"Give it a month and yeah.","start":1142.94,"end":1144.62,"sentiment":"neutral","sentiment_score":0.058803414925932884},{"text":"Yeah.","start":1144.62,"end":1145.02,"sentiment":"neutral","sentiment_score":0.1979822814464569},{"text":"A 100%.","start":1145.02,"end":1145.875,"sentiment":"neutral","sentiment_score":0.2955433875322342},{"text":"I think everything should be done and dusted by then, and I'll know where I stand and and how I'm gonna move forward.","start":1145.875,"end":1151.395,"sentiment":"neutral","sentiment_score":0.29788570883481397},{"text":"You know?","start":1151.395,"end":1152.0549,"sentiment":"neutral","sentiment_score":0.09579648077487946}],"sentiment":"neutral","sentiment_score":0.2407309944357942,"num_words":34,"start":1142.94,"end":1152.0549},{"sentences":[{"text":"So yeah.","start":1152.6749,"end":1153.655,"sentiment":"positive","sentiment_score":0.35923196375370026},{"text":"Mhmm.","start":1162.68,"end":1163.18,"sentiment":"neutral","sentiment_score":0.04819981008768082},{"text":"Yeah.","start":1199.89,"end":1200.2101,"sentiment":"neutral","sentiment_score":0.023886626586318016},{"text":"I mean, I guess, you know, a a month ain't gonna change too much.","start":1200.2101,"end":1203.7051,"sentiment":"neutral","sentiment_score":-0.1469253527798823},{"text":"But, I mean, what sort of changes would you think to make now?","start":1203.7051,"end":1206.285,"sentiment":"neutral","sentiment_score":-0.03214375818004975}],"sentiment":"neutral","sentiment_score":-0.05433140100250321,"num_words":31,"start":1152.6749,"end":1206.285},{"sentences":[{"text":"Right.","start":1271.355,"end":1271.855,"sentiment":"neutral","sentiment_score":-0.15424805879592896},{"text":"So the brackets mean it's going down.","start":1298.235,"end":1300.415,"sentiment":"neutral","sentiment_score":0.027245821531063745},{"text":"It's down nine.","start":1300.555,"end":1301.355,"sentiment":"neutral","sentiment_score":-0.038799453526735306},{"text":"So the brackets mean it's down.","start":1301.355,"end":1303.035,"sentiment":"neutral","sentiment_score":-0.03436990144352118},{"text":"Is that right?","start":1303.035,"end":1303.855,"sentiment":"neutral","sentiment_score":0.00135036123295625}],"sentiment":"neutral","sentiment_score":-0.01410469968104735,"num_words":20,"start":1271.355,"end":1303.855},{"sentences":[{"text":"Okay.","start":1304.64,"end":1305.14,"sentiment":"neutral","sentiment_score":0.05428639054298401},{"text":"Wow.","start":1310.0801,"end":1310.5801,"sentiment":"neutral","sentiment_score":0.009971845895051956},{"text":"Okay.","start":1312.0,"end":1312.3201,"sentiment":"neutral","sentiment_score":0.014042872004210947},{"text":"Yeah.","start":1312.3201,"end":1312.7201,"sentiment":"neutral","sentiment_score":-0.014116944745182993},{"text":"Well, look.","start":1312.7201,"end":1313.36,"sentiment":"neutral","sentiment_score":-0.0011240886524319649}],"sentiment":"neutral","sentiment_score":0.010322664398699999,"num_words":6,"start":1304.64,"end":1313.36},{"sentences":[{"text":"Let's can we kick them to the curb now?","start":1313.36,"end":1315.96,"sentiment":"neutral","sentiment_score":-0.048854604777362615},{"text":"I mean, I could because I was thinking, like, this year at 10%, like, I mean, is that the worst year so far?","start":1315.96,"end":1324.215,"sentiment":"neutral","sentiment_score":-0.3069703280925751},{"text":"Because I'm sure the other year made is the first year or second year.","start":1324.215,"end":1327.2949,"sentiment":"neutral","sentiment_score":-0.20663093935166085},{"text":"I don't know.","start":1327.2949,"end":1327.655,"sentiment":"neutral","sentiment_score":-0.09957193334897359},{"text":"It was up at, like, 14%, and I was really impressed.","start":1327.655,"end":1330.935,"sentiment":"neutral","sentiment_score":0.29548724402080884}],"sentiment":"neutral","sentiment_score":-0.12401997093111276,"num_words":60,"start":1313.36,"end":1330.935},{"sentences":[{"text":"Maybe it was the first year, but I was Yeah.","start":1330.935,"end":1364.225,"sentiment":"neutral","sentiment_score":0.061585494130849835},{"text":"Yep.","start":1375.96,"end":1376.46,"sentiment":"neutral","sentiment_score":-0.0477101057767868},{"text":"Yeah.","start":1391.255,"end":1391.755,"sentiment":"neutral","sentiment_score":0.0005832165479660034},{"text":"Yep.","start":1436.2949,"end":1436.7949,"sentiment":"neutral","sentiment_score":0.08721758425235748},{"text":"Yep.","start":1466.865,"end":1467.365,"sentiment":"positive","sentiment_score":0.3716613948345184}],"sentiment":"neutral","sentiment_score":0.0734005022261824,"num_words":14,"start":1330.935,"end":1467.365},{"sentences":[{"text":"It does.","start":1478.145,"end":1478.865,"sentiment":"neutral","sentiment_score":0.28006304800510406},{"text":"Yes.","start":1478.865,"end":1479.36,"sentiment":"neutral","sentiment_score":0.31179970502853394},{"text":"Yeah.","start":1540.35,"end":1540.75,"sentiment":"neutral","sentiment_score":-0.006051979959011078},{"text":"I was just thinking, like, that that been a long one.","start":1540.75,"end":1543.33,"sentiment":"neutral","sentiment_score":-0.08985993401570753},{"text":"I mean, there's I mean, like, when you're thinking of or when you mentioned, you know, sort of getting that making that change and getting out of that one essentially, that would be selling the shares in that, wouldn't it?","start":1543.63,"end":1555.255,"sentiment":"neutral","sentiment_score":-0.014323878381401301}],"sentiment":"neutral","sentiment_score":-0.012646192515438253,"num_words":55,"start":1478.145,"end":1555.255},{"sentences":[{"text":"That's what that would mean.","start":1555.255,"end":1556.475,"sentiment":"neutral","sentiment_score":0.0627354446798563},{"text":"Do you think selling selling it while it's low or, like, do you think it would come back up?","start":1557.495,"end":1562.615,"sentiment":"neutral","sentiment_score":0.0011036653365743788},{"text":"Do you think it would get back to where it needs to be?","start":1562.615,"end":1566.155,"sentiment":"neutral","sentiment_score":-0.03191226197836491},{"text":"Yeah.","start":1573.71,"end":1574.21,"sentiment":"neutral","sentiment_score":-0.09157685935497284},{"text":"Yeah.","start":1588.6649,"end":1589.1649,"sentiment":"neutral","sentiment_score":-0.24174462258815765}],"sentiment":"neutral","sentiment_score":-0.010603436483786656,"num_words":39,"start":1555.255,"end":1589.1649},{"sentences":[{"text":"Yeah.","start":1617.975,"end":1618.475,"sentiment":"neutral","sentiment_score":-0.1789867877960205},{"text":"Right.","start":1635.405,"end":1635.905,"sentiment":"neutral","sentiment_score":-0.25419554114341736},{"text":"Yeah.","start":1650.34,"end":1650.74,"sentiment":"neutral","sentiment_score":0.0012236209586262703},{"text":"Do you think it do you think the strategy in a few weeks would be something more aggressive given the timeline that I'm looking at?","start":1650.74,"end":1656.98,"sentiment":"neutral","sentiment_score":-0.03812108062207699},{"text":"And, like, how would you what are you thinking as an approach in a in a few weeks?","start":1656.98,"end":1660.66,"sentiment":"neutral","sentiment_score":0.03644139619751109}],"sentiment":"neutral","sentiment_score":-0.0158487085212508,"num_words":46,"start":1617.975,"end":1660.66},{"sentences":[{"text":"And how I mean, it's probably a lot broader than what I'm thinking.","start":1660.66,"end":1663.7,"sentiment":"neutral","sentiment_score":0.003769541338372689},{"text":"I mean, it's, yeah, when you start combining what income I I you know, oh, well, I have to stare each week and yeah.","start":1663.7,"end":1672.003,"sentiment":"neutral","sentiment_score":0.03094802067304651},{"text":"It's I'm sorry.","start":1672.207,"end":1674.175,"sentiment":"neutral","sentiment_score":-0.0024227185640484095},{"text":"I kinda no.","start":1674.175,"end":1676.5751,"sentiment":"neutral","sentiment_score":0.0038562292853991237},{"text":"No.","start":1676.5751,"end":1676.8151,"sentiment":"neutral","sentiment_score":-0.08331698179244995}],"sentiment":"neutral","sentiment_score":0.016198638270990075,"num_words":44,"start":1660.66,"end":1676.8151},{"sentences":[{"text":"Go ahead, sir.","start":1676.8151,"end":1677.795,"sentiment":"neutral","sentiment_score":0.040294049928585686},{"text":"That that that global that global battery tech in lithium is up, like, 86%.","start":1687.06,"end":1692.26,"sentiment":"neutral","sentiment_score":0.30698391582284656},{"text":"I mean, that's crazy.","start":1692.26,"end":1694.735,"sentiment":"positive","sentiment_score":0.4283920228481293},{"text":"Mhmm.","start":1727.135,"end":1727.635,"sentiment":"neutral","sentiment_score":-0.0787314623594284},{"text":"Yep.","start":1808.495,"end":1808.995,"sentiment":"neutral","sentiment_score":0.17066651582717896}],"sentiment":"neutral","sentiment_score":0.27061565722460335,"num_words":23,"start":1676.8151,"end":1808.995},{"sentences":[{"text":"That's right.","start":1825.16,"end":1825.72,"sentiment":"neutral","sentiment_score":0.07061948627233505},{"text":"Yeah.","start":1825.72,"end":1826.22,"sentiment":"neutral","sentiment_score":0.004167694598436356},{"text":"Mhmm.","start":1844.905,"end":1845.405,"sentiment":"neutral","sentiment_score":-0.3235466480255127},{"text":"Yeah.","start":1864.9551,"end":1865.275,"sentiment":"neutral","sentiment_score":-0.11457160860300064},{"text":"Well, I'm not like, I've just sorta let my circuit do a thing.","start":1865.275,"end":1868.715,"sentiment":"neutral","sentiment_score":-0.02782978518651082}],"sentiment":"neutral","sentiment_score":-0.03636104427278042,"num_words":18,"start":1825.16,"end":1868.715},{"sentences":[{"text":"I don't stress out about it at all.","start":1868.715,"end":1870.235,"sentiment":"neutral","sentiment_score":-0.013515337370336056},{"text":"Like, I do look at the and I see the fluctuations on the chart and whatnot.","start":1870.235,"end":1873.915,"sentiment":"neutral","sentiment_score":0.005245345993898809},{"text":"I think I think it was up to one sixty five, and then when I when I looked at it, it was down to, like, one sixty.","start":1873.915,"end":1880.71,"sentiment":"neutral","sentiment_score":-0.055684311177443574},{"text":"So I realized that there was a drop there, but maybe that was fees.","start":1881.33,"end":1884.37,"sentiment":"neutral","sentiment_score":-0.1975902904357229},{"text":"Maybe that was annual fees or something as 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do.","start":2007.245,"end":2007.645,"sentiment":"neutral","sentiment_score":0.3084811717271805},{"text":"And look, Dana, look, I I'm coming to you because you're the expert.","start":2007.645,"end":2011.905,"sentiment":"neutral","sentiment_score":0.2802757632273894},{"text":"And, you know, so when when you like, I I essentially, I mean, I guess your customer building wealth is how you guys make a living.","start":2012.0449,"end":2024.52,"sentiment":"neutral","sentiment_score":0.20904590819890684},{"text":"You know what I mean?","start":2024.52,"end":2025.24,"sentiment":"neutral","sentiment_score":0.1401662588119507},{"text":"So I I I I 100% take your advice on board, and I and I trust your judgment.","start":2025.24,"end":2030.12,"sentiment":"positive","sentiment_score":0.5621296432283189}],"sentiment":"neutral","sentiment_score":0.3205454023554921,"num_words":64,"start":2007.245,"end":2030.12},{"sentences":[{"text":"And whether whether you need you feel like you should do something today about that panel or whether you whether you're okay to wait a few weeks, I mean, I'm just sort of happy to go with what whatever it is you think is the best thing to do.","start":2030.12,"end":2043.965,"sentiment":"positive","sentiment_score":0.4236397697609298},{"text":"Yeah.","start":2047.38,"end":2047.8601,"sentiment":"neutral","sentiment_score":0.08690585196018219},{"text":"But then when we get to that point in a few weeks, yeah, let's let's let's talk seriously about how we can, yeah, get that growth going.","start":2047.8601,"end":2057.96,"sentiment":"neutral","sentiment_score":0.16877852532046814},{"text":"Yeah.","start":2075.675,"end":2076.175,"sentiment":"positive","sentiment_score":0.4499722719192505},{"text":"Mhmm.","start":2086.91,"end":2087.41,"sentiment":"neutral","sentiment_score":0.018067358061671257}],"sentiment":"neutral","sentiment_score":0.3274723339731557,"num_words":79,"start":2030.12,"end":2087.41},{"sentences":[{"text":"Yeah.","start":2124.6848,"end":2125.085,"sentiment":"neutral","sentiment_score":0.22285252809524536},{"text":"Sounds good.","start":2125.085,"end":2125.885,"sentiment":"positive","sentiment_score":0.39772771298885345},{"text":"Sounds good.","start":2125.885,"end":2126.7048,"sentiment":"positive","sentiment_score":0.38885702192783356},{"text":"No.","start":2154.385,"end":2154.705,"sentiment":"neutral","sentiment_score":-0.1732676476240158},{"text":"I don't think I've actually lost where that where that email oh, here we go.","start":2154.705,"end":2158.225,"sentiment":"neutral","sentiment_score":-0.1835904469092687}],"sentiment":"neutral","sentiment_score":-0.0538620168254489,"num_words":21,"start":2124.6848,"end":2158.225},{"sentences":[{"text":"Okay.","start":2158.225,"end":2158.385,"sentiment":"neutral","sentiment_score":-0.01622243970632553},{"text":"So what do we got?","start":2158.385,"end":2159.185,"sentiment":"neutral","sentiment_score":-0.013270853273570537},{"text":"Super and insured summary.","start":2159.185,"end":2160.485,"sentiment":"neutral","sentiment_score":-0.001946713775396347},{"text":"No.","start":2162.48,"end":2162.7998,"sentiment":"neutral","sentiment_score":-0.06009288877248764},{"text":"Not really.","start":2162.7998,"end":2163.54,"sentiment":"neutral","sentiment_score":-0.057494355365633965}],"sentiment":"neutral","sentiment_score":-0.020418858513809167,"num_words":13,"start":2158.225,"end":2163.54},{"sentences":[{"text":"No.","start":2163.68,"end":2164.18,"sentiment":"neutral","sentiment_score":-0.0648622140288353},{"text":"I've got is Vanguard index super insurance summary.","start":2164.64,"end":2168.48,"sentiment":"neutral","sentiment_score":-0.020720402942970395},{"text":"That's the one?","start":2168.48,"end":2168.96,"sentiment":"neutral","sentiment_score":-0.005508611910045147},{"text":"Super insurance summary?","start":2168.96,"end":2170.16,"sentiment":"neutral","sentiment_score":-0.00007703900337219238},{"text":"Is it the one you need?","start":2170.16,"end":2171.38,"sentiment":"neutral","sentiment_score":-0.0026402076861510673}],"sentiment":"neutral","sentiment_score":-0.012534458877607471,"num_words":21,"start":2163.68,"end":2171.38},{"sentences":[{"text":"Super no.","start":2172.4,"end":2173.38,"sentiment":"neutral","sentiment_score":-0.012751969508826731},{"text":"Okay.","start":2174.575,"end":2175.0552,"sentiment":"neutral","sentiment_score":-0.0129151102155447},{"text":"Prox sorry.","start":2175.0552,"end":2175.7751,"sentiment":"neutral","sentiment_score":-0.025110051967203617},{"text":"Hub 24162 MetLife.","start":2175.7751,"end":2178.2751,"sentiment":"neutral","sentiment_score":-0.011941007959345976},{"text":"Just doing that thing.","start":2178.575,"end":2179.5352,"sentiment":"neutral","sentiment_score":-0.013430526945739985}],"sentiment":"neutral","sentiment_score":-0.014848690402383605,"num_words":12,"start":2172.4,"end":2179.5352},{"sentences":[{"text":"No.","start":2179.5352,"end":2179.695,"sentiment":"neutral","sentiment_score":-0.10101098567247392},{"text":"I don't really have any queries about that.","start":2179.695,"end":2181.875,"sentiment":"neutral","sentiment_score":-0.10799169912934303},{"text":"No.","start":2182.575,"end":2182.735,"sentiment":"neutral","sentiment_score":-0.047595277428627014},{"text":"It's all good.","start":2182.735,"end":2183.715,"sentiment":"neutral","sentiment_score":0.08358215012898047},{"text":"Yeah.","start":2214.94,"end":2215.3398,"sentiment":"neutral","sentiment_score":0.22390761971473697}],"sentiment":"neutral","sentiment_score":-0.03842041328815477,"num_words":14,"start":2179.5352,"end":2215.3398},{"sentences":[{"text":"I think so.","start":2215.3398,"end":2216.48,"sentiment":"neutral","sentiment_score":0.25320369998613995},{"text":"You know?","start":2217.2598,"end":2217.98,"sentiment":"neutral","sentiment_score":0.11477695778012276},{"text":"Yeah.","start":2217.98,"end":2218.48,"sentiment":"neutral","sentiment_score":0.22777310013771057},{"text":"It's okay.","start":2218.5398,"end":2219.44,"sentiment":"neutral","sentiment_score":0.31159645318984985},{"text":"Hopefully, I live.","start":2220.0598,"end":2221.3599,"sentiment":"neutral","sentiment_score":0.18602903683980307}],"sentiment":"neutral","sentiment_score":0.2180198302323168,"num_words":11,"start":2215.3398,"end":2221.3599},{"sentences":[{"text":"Absolutely.","start":2248.1,"end":2248.6,"sentiment":"positive","sentiment_score":0.5993009805679321},{"text":"Yeah.","start":2248.9001,"end":2249.4001,"sentiment":"positive","sentiment_score":0.5305085182189941},{"text":"Yes.","start":2272.23,"end":2272.73,"sentiment":"neutral","sentiment_score":0.26265913248062134},{"text":"Yeah.","start":2274.31,"end":2274.81,"sentiment":"positive","sentiment_score":0.42194557189941406},{"text":"My eldest son has had to put up with me for longer, so he gets the extra.","start":2274.95,"end":2278.97,"sentiment":"neutral","sentiment_score":0.07353678455247599}],"sentiment":"neutral","sentiment_score":0.14593045431233587,"num_words":21,"start":2248.1,"end":2278.97}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? I'm not speaking.\n\nChannel 0: Hi, Matthew. It's Dana from OC Financial. How are you this afternoon?\n\nChannel 1: I'm good, Diana. How are you?\n\nChannel 0: I'm very well. Thank you. Thanks for asking. I had to book in to go through your annual review today. Is now still a good time there for you?\n\nChannel 1: It\n\nChannel 0: Fantastic. Matthew, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that?\n\nChannel 1: is. Yeah. That's fine.\n\nChannel 0: Fabulous. And this is a security day with you as well, just to confirm your full name, your date of birth, and address I should have\n\nChannel 1: It's\n\nChannel 0: on\n\nChannel 1: Matthew Steven Dunn. First of\n\nChannel 0: file.\n\nChannel 1: 1282 And 79 Roderick Street, Ipswich.\n\nChannel 0: Legend. Thank you so much for that. Matthew, before we jump into the interview, I know you have spoken to my colleague Samantha there, and you wanted to sort of have a bit of a chat about, you know, where your position looks like and what we can do moving forward to kinda help you along.\n\nChannel 1: Yes.\n\nChannel 0: Is there anything specific otherwise or anything else that you wanted me to sort of touch on as part of your annual review? Or\n\nChannel 1: I don't think so. I mean, it'd be nice to talk to have the annual review.\n\nChannel 0: yeah. Of course.\n\nChannel 1: So so that's cool. And, look, I just saw an email from you guys,\n\nChannel 0: Yeah.\n\nChannel 1: and it prompted me to re reply and just thinking about my situation\n\nChannel 0: Yeah.\n\nChannel 1: currently and just thinking longevity and based on what I'm where I'm at right now. So I look. I need to get some savings going. I need to, you know, I need to think about investing, and I need you know? So I just wanna talk, and I want I needed to make sense.\n\nSo Google only gets me so far. You know?\n\nChannel 0: Absolutely. No. We can definitely help you with that. It's not a problem at all. Well, what we'll do if you like, we'll start by going through and giving you an update on your super, have a bit of a chat about what's happening there.\n\nWe'll talk about the insurance that you do have as well. And then as we are going through and updating all of your circumstances, we can talk about what your goals are, what you're looking for moving forward. And, you know, I can sort of give you some guidance there, and we can talk about what we need in order to help provide the advice in those areas for you. Does that sound okay?\n\nChannel 1: Perfect.\n\nChannel 0: Yep. Fantastic. And I know the email you saw would have been our recent newsletter with Tom's scenario in it.\n\nChannel 1: What's that, sir?\n\nChannel 0: That would have been the from the recent newsletter.\n\nChannel 1: Actually, let's crack it open now. What was it\n\nChannel 0: Yeah.\n\nChannel 1: that made\n\nChannel 0: You're\n\nChannel 1: me just\n\nChannel 0: right.\n\nChannel 1: go so if it's in where is it? I've still got it in my inbox, I believe. Unless it's secondary. Maybe well, I'm just gonna type in IP.\n\nChannel 0: Yeah. You're right.\n\nChannel 1: Yes. Well, there's a\n\nChannel 0: Yes.\n\nChannel 1: case study.\n\nChannel 0: Yeah.\n\nChannel 1: It was\n\nChannel 0: Yeah.\n\nChannel 1: a case.\n\nChannel 0: That's\n\nChannel 1: Yes.\n\nChannel 0: the one.\n\nChannel 1: About Tom. Yes. That\n\nChannel 0: About\n\nChannel 1: was it.\n\nChannel 0: some\n\nChannel 1: Yep.\n\nChannel 0: yeah. No. Of course. Understandable. And, look, it is a really great case study, and it can definitely show you where things can go.\n\nObviously, Tom's scenario, there was a few additional things there. As you kind of read through the case study, you sort of see that he's had income increases along the way. And instead of using that money to other areas, he's invested that money in both his super and possibly externally. It kinda doesn't break down whether there's a investment account there at all. But,\n\nChannel 1: Yep.\n\nChannel 0: essentially, with Tom's scenario, with all of the increases in wages, he's investing more into his suit for his salary sacrifice and and definitely purchasing a home and building wealth that way, paying down the property as much as possible. But at the very end of the scenario, with the difference there, he starts off with about 70 odd thousand in net assets, but then ends up with 800,000 in five years. So with Tom's scenario, that is net asset. So that's essentially all of his assets minus the debt, and that leaves you with your net assets. And, look, it's not impossible to get to obtain.\n\nIt's more just about an individual client scenario. So your circumstances could be very different. So it's about\n\nChannel 1: Yeah.\n\nChannel 0: providing\n\nChannel 1: That's\n\nChannel 0: a\n\nChannel 1: right.\n\nChannel 0: road map, yeah, looking at your goals and providing advice and a road map to help you to get to your, you know, TOMS scenario, essentially, to help you meet your goals in the best\n\nChannel 1: Yeah.\n\nChannel 0: way that suits you as well because your circumstances look like they have definitely changed a little bit over the last twelve months there, but I'm more than happy to help you. Would love to sort of look at what we can do moving forward and help to boost, a, your suit, but also, wealth in other areas for you as well. Okay.\n\nChannel 1: Yes. No. That sounds perfect.\n\nChannel 0: Fantastic. Now, Matthew, we do also send through an annual review path to you just with some documents, that we go through as part of the annual review. I am sending that email to you now. That way it is in your email. It's good to go.\n\nIf you're able to look at that, absolutely fantastic. If you're not, that is honestly okay as well. It\n\nChannel 1: Yep.\n\nChannel 0: does have a sense of your ongoing service agreement for the next twelve months, and we do also have a tax file opt in form. So we just like to make sure you are aware. We do hold your tax file number, but that document outlines how and why we hold your tax file number. And we are very security conscious as what's going on in the world as well, so making sure that we do security with you whenever you call us or we call you so as no one is pretending to be you and we don't give any information, we shouldn't to anyone that isn't you as well. Okay.\n\nChannel 1: Yeah. Sure. That's okay.\n\nChannel 0: Beautiful. All good. If you are able to look at that email there, on the when you open it on the attachments, I do have the essentially a summary of your superannuation and insurances there as well as an updated super report for you just to sort of show you how that has been going.\n\nChannel 1: I'm just trying to\n\nChannel 0: It\n\nChannel 1: open that, but\n\nChannel 0: is\n\nChannel 1: oh,\n\nChannel 0: not\n\nChannel 1: okay.\n\nChannel 0: working.\n\nChannel 1: Okay. Sorry. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: It says signed document, which isn't working.\n\nChannel 0: No. That's okay. Scroll down from that one, and if you see, you'll see some attachments.\n\nChannel 1: The\n\nChannel 0: So it\n\nChannel 1: PDF.\n\nChannel 0: should be\n\nChannel 1: Yep.\n\nChannel 0: yeah. That's the one. One of them should say superannuation and insurances or summary of superannuation\n\nChannel 1: Yes. So,\n\nChannel 0: insurances.\n\nChannel 1: James, you want me to crack that one open?\n\nChannel 0: Yeah. That's the one there. Yeah.\n\nChannel 1: Yep. Okay. Let's go.\n\nChannel 0: Fantastic.\n\nChannel 1: This is going to open. Come on.\n\nChannel 0: Might be taking a second.\n\nChannel 1: Yeah. No. It's it's seems to when because I had the page out of the email, it wasn't working. Strange. Okay.\n\nSo I see a summary of superannuation insurance as\n\nChannel 0: Yeah.\n\nChannel 1: of June 26.\n\nChannel 0: Beautiful. Beautiful. Now having a look back at your last annual review, your balance then was about a 125,209 and 99¢ there. So having a look at things as of the twenty twenty sixth of June here, your balance is up to a 162,107 and 86¢. So it is good.\n\nIt has definitely grown. When we have a look and sorry. With that document, if you have a look at the next document, it should be the next one down. It's the heading on that one would be hub twenty four performance. Can you see that\n\nChannel 1: Yes.\n\nChannel 0: document there as well? Yep.\n\nChannel 1: Yep.\n\nChannel 0: Fantastic.\n\nChannel 1: Okay.\n\nChannel 0: So opening\n\nChannel 1: Got that\n\nChannel 0: that\n\nChannel 1: open.\n\nChannel 0: one along. Beautiful. The first page of that document essentially outlines all the individual investments and how they have performed over the past twelve months there for you. What to make it easier on you, if you scroll to the second page of that one and look at the second last column, it's showing you the internal rate of return of essentially the percentage of the growth and income that your super has provided over the last twelve months, and it shows that net of fees, you've made 10.69%.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. So it is a good\n\nChannel 1: Okay.\n\nChannel 0: positive return there. Having a look at, obviously, how you are invested within your super, you're in more of a high growth portfolio, which is where you're sort of trying to obtain a bit more growth. Happy to take on more of the ups and downs in market fees in order\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: right.\n\nChannel 0: obtain\n\nChannel 1: Yeah.\n\nChannel 0: greater returns. Yeah. With that sort of high growth environment, you see generally 90% of your super invested in growth assets. So thinking things like Australian shares, international shares, listed property, and commodities like gold and silver there as well. And then just a small component about 10% of your super in low risk defensive investments.\n\nSo it is about seeking greater risk to obtain that greater growth. This\n\nChannel 1: Yes.\n\nChannel 0: sort of a portfolio over a on a yearly basis, we're trying to obtain about a an eight to 10% return is what you're sort of averaging or hoping to achieve. So anything above that 10% is essentially your portfolio overperforming or outperforming and doing very, very well. Anything under that 10% is seen as underperformance there. So your portfolio has performed a little bit greater than the 10% as a net return, which is great. It's what we wanna see, but we wanna see that continue and continue to compound for you.\n\nOne of the biggest things with our super is that we start off with a low balance, and we slug it out getting our contributions in to get our super balance up to that sort of 250 mark, between 200 to 250 mark. And then once\n\nChannel 1: Yes.\n\nChannel 0: we kinda see our balance hit that mark, the compounding increases significantly. If you sort of think about, you know, getting a 5% return on, say, a balance of $50,000, it's about, you know, 2,500 for the year. If you think about that same 5% return on someone with a $250,000 balance, the 5% is $12,500. And then if you continue, that just continues growing. So it's about trying to get your balance up as high as you possibly can so that the compounding effect really starts to grow and work.\n\nAnd as your balance increases, smaller changes in the market really make a big difference, and and the earnings increase along with that. So that's essentially the hardest part of getting super to start working for you, but you are very much on track to doing that. Your super has grown really, really well, and you're up to that one sixty two, 107 now. So\n\nChannel 1: It has.\n\nChannel 0: it is\n\nChannel 1: Since\n\nChannel 0: good\n\nChannel 1: since\n\nChannel 0: to\n\nChannel 1: since\n\nChannel 0: see.\n\nChannel 1: the inception, it's it's it it has. It's it's gone up a lot.\n\nChannel 0: Yeah.\n\nChannel 1: I think it's it's doubled in the last sort of couple of years, which, you know,\n\nChannel 0: Yeah.\n\nChannel 1: all three years, I think, I might have been with you guys now, and\n\nChannel 0: Yep.\n\nChannel 1: and that's great.\n\nChannel 0: Yep.\n\nChannel 1: That's great to see.\n\nChannel 0: Yeah. I'm just having a quick look as well at the original advice document just to see what was projected in the first five years for you, just to sort of see how on track you are to that. So beautiful. So you came on board in November 2023 there.\n\nChannel 1: Yeah. Okay. So, yeah, two and a\n\nChannel 0: Slow\n\nChannel 1: half years\n\nChannel 0: down.\n\nChannel 1: now.\n\nChannel 0: Yeah. Not bad at all. And we did project in five years from when you came on board your balance to be around about $201,601.11. So you are pretty well on track for that. We can definitely get your balance up over that kind of mark in the next sort of two, two and a half odd years.\n\nChannel 1: Yep.\n\nChannel 0: The other sort of thing to look at is maybe looking to increase contributions. Are you in a position where you could maybe look to start salary sacrificing or increasing contributions in to help sort of build that compounding effect earlier, or is your circumstances not really allow?\n\nChannel 1: Well, like, at the at the present look. I was you know, because I sort of got out of where I was living, and I'm sort of I'm out of my I'm out of my own now. And we're currently\n\nChannel 0: Okay.\n\nChannel 1: trying to sell a property that had only just finished being built. So there's no one living in it to copy, you know, the offset of of what's owed on. So we're I'm just I'm just bleeding money into this thing until\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: the sixty day settlement's over, which should be in the next couple of weeks. So I'm basically I'm I'm just sitting on nothing until for the time being, until this thing has just gone and out of my life and, hopefully,\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: a little bit of money back in my pocket, and then I can start reconfiguring and rejigging everything and and start to try to build some serious wealth. I mean\n\nChannel 0: Yeah.\n\nChannel 1: yeah. And yeah. It's a it's a crappy time in that regard. So I just need to\n\nChannel 0: Yeah.\n\nChannel 1: get over this hump, and then I will\n\nChannel 0: Yeah.\n\nChannel 1: be, you know, sort of back in on the board and but, yeah,\n\nChannel 0: Right\n\nChannel 1: super\n\nChannel 0: into it.\n\nChannel 1: contributions. I I would I would like to I'd like to do that, but I'm sort of wondering I mean so like I said, what what am I I'm 42. I'm turning 44 at the end of this year, and I want I wanna\n\nChannel 0: Yeah.\n\nChannel 1: make some, you know, get some serious setup going for the next ten years. And I'm like,\n\nChannel 0: Yep.\n\nChannel 1: what's the best way for me to do that? Is it through super? Is it through saving and property investing or just investing in in in the share market outside of super. I'm just don't know what's the best way to go about it. You know?\n\nChannel 0: Yeah. No. That's absolutely fine. So you're looking at more of a ten year horizon there with your investing side of things. The main thing with with the property investment side of things at the moment, there is a few unknowns to consider.\n\nSo property investment is great. There's nothing wrong with that. Essentially, in order to Essentially, in order to get a property, you just need to make sure you do have, obviously, capital to be able to do that. I can\n\nChannel 1: Yes.\n\nChannel 0: see here that with everything going through, that property that you have now is being sold. The loan will be cleared, and you and your ex partner will be splitting that 50%. Is that right?\n\nChannel 1: Yeah. That's right. But then there's gotta\n\nChannel 0: Yeah.\n\nChannel 1: be capital gains on it because we've just sold a house that and sold bought a built a house and selling it instantly, so I don't know what that's\n\nChannel 0: Oh,\n\nChannel 1: going to do to it.\n\nChannel 0: yeah.\n\nChannel 1: Yeah. And I've\n\nChannel 0: Could\n\nChannel 1: got a couple\n\nChannel 0: reduce\n\nChannel 1: of things,\n\nChannel 0: the\n\nChannel 1: but\n\nChannel 0: profit.\n\nChannel 1: I I feel like at the end of it, I'm not going to walk away with much, but that will be going out of my life, and\n\nChannel 0: Yeah.\n\nChannel 1: that's all I really want. You know? I\n\nChannel 0: Yeah.\n\nChannel 1: just want that gone. So\n\nChannel 0: Absolutely. No. Definitely. Completely understand. And, look, that's one less headache to have.\n\nAnd, I mean, property investment is a great idea. The biggest sort of unknown we have at the moment is that there is that legislation that's possibly going through after the budget where in order to be able to access negative gearing, we do have to be able to possibly buy a brand new kinda off the plan property to create new housing demand. So\n\nChannel 1: Yes.\n\nChannel 0: there are a lot of unknowns with the property market at the moment and investing in the property market. Essentially, a lot of the clients I'm speaking to at the moment, we're sort of holding off to see what sort of comes of this legislation from the budget to see where that goes, mostly because if they buy a preexisting home and this legislation goes through, it does mean they're not gonna be able to utilize negative gearing. And when we are on a higher income, our income's increasing. We wanna be able to utilize any tax advantage we can to pay as little tax as possible. It's all about paying a fair tax, not too much or, you know, too little.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So it is a little bit out there, but, I mean, property investment isn't off the chart. It is definitely something you can do. There are other ways to structure investments, though. So you could look at doing it two ways, and, realistically, it all comes down to what your goals are, what you wanna achieve in the next ten years. Are you hoping to build enough wealth that you, you know, are able to stop working in the next ten years or have the option of working, or are you just wanting to build up enough wealth to kinda supplement super in retirement?\n\nBut we can also build portfolios very similar to what you have in your super in your own name, and we have structures like investment accounts that suit smaller balances and be able to build wealth that way. We have this investment accounts that can take on larger balances to begin with. We've also got access to, like, investment bonds and things like that that allow you to build investments in your own name without having to suffer tax consequences as well, and those sorts of things suit someone who's got a ten year horizon or not wanting to access that those funds for about ten years and build wealth in the background. So there are lots of different options that we have to be able to build investments outside of super. The other option is if you're more just wanting to kinda build for your retirement and not sort of looking at, you know, having anything in your own name and risking the sort of tax consequences of building investments in your own name, you can just be building your super.\n\nObviously, super is a tax haven, putting money into super additional contributions. It is taxed only 15% inside super instead of your marginal tax rate. The only sort of downside to super is that you can't access the funds until you meet the condition of release. So turn 60 and fully retire or 65 if you continue to work beyond that. So it just comes down to what your goals are, what's more important to you.\n\nDo you think you're wanting to sort of focus on sleep, or would you like to build wealth outside and and over the next ten years? What would you like to do?\n\nChannel 1: I I think yeah. I I would like to build wealth outside, and I'm just I guess I'm, like, anybody. I'm just sort of looking for financial freedom, and I want it sooner rather\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: than later. And I want but, you know, I'm I'm I don't wanna be impatient at all. I don't like you know, obviously, gotta do it right, and I don't have many choices. So I just need to\n\nChannel 0: Yeah.\n\nChannel 1: lock in and and do it. But, yeah, super and the end of the road isn't really what I'm thinking. I would just like some flexibility and to relax on it a bit even while I'm working. You know?\n\nChannel 0: Yeah.\n\nChannel 1: And I don't\n\nChannel 0: Yeah.\n\nChannel 1: know\n\nChannel 0: Yeah.\n\nChannel 1: if buying property, moving into it, and moving someone in and getting them paying it off for me as well and or it was the way to go or whether there are better returns over a ten year period with one of your suggestions. I don't\n\nChannel 0: Yep.\n\nChannel 1: know. And but I just\n\nChannel 0: That's\n\nChannel 1: want\n\nChannel 0: okay.\n\nChannel 1: the easiest and, you know, and and what's going to help me the most. You know?\n\nChannel 0: Yeah.\n\nChannel 1: 60\n\nChannel 0: Absolutely.\n\nChannel 1: five, I don't 6065, I don't think is yeah. And I don't know. It's far away, you know. And I don't know. I don't know.\n\nChannel 0: Yeah. There's a lot to talk a lot to think about. No. Well, look. It honestly sounds like building wealth outside of super is the right aspect for you.\n\nIt is a goal of yours. You are sort of wanting to you know, ten year time horizon definitely works for being able to build wealth outside of super. What\n\nChannel 1: Yeah.\n\nChannel 0: I would probably look at doing for you is because we need to sort of understand how much you have available to you is once you've gone through that property sale, once you've sort of understand a bit more about how much cash you have flexible to you, let's maybe have more of a conversation. I can book you back in a few weeks when you're ready to do so. We can talk\n\nChannel 1: Yes.\n\nChannel 0: about, you know, what your income looks like, what your expendable income looks like. We can do a risk profile, and we can look at investing outside of Super for you in other structures. And I can\n\nChannel 1: Okay.\n\nChannel 0: drop a advice document for you that essentially outlines what we're looking at there. Document for you that essentially outlines what we're looking at there and make a recommendation on how it's structured, what to invest the money in, how to build it over time, and give you kind of that projected outcome that you're sort of after to show you where we are tracking for very similar to how we are in. Does that sound okay with you?\n\nChannel 1: Yeah. That sounds great.\n\nChannel 0: Yep. Beautiful. I think for the moment, we just sort of let you get over the hurdle with the property,\n\nChannel 1: That's right.\n\nChannel 0: go through\n\nChannel 1: Yeah.\n\nChannel 0: the settlement, get that sorted first so you're not putting too much on your plate and, you know, we're not overloading you in any way, shape, or form, and then we can come back when you're ready. I can get Samantha to give you a call in another, you know, three or four or six weeks depending on what you're comfortable with,\n\nChannel 1: Yeah.\n\nChannel 0: and she\n\nChannel 1: Just\n\nChannel 0: can\n\nChannel 1: give\n\nChannel 0: then\n\nChannel 1: it a\n\nChannel 0: book\n\nChannel 1: give\n\nChannel 0: you\n\nChannel 1: it a\n\nChannel 0: back\n\nChannel 1: month.\n\nChannel 0: in\n\nChannel 1: Give it a month\n\nChannel 0: a\n\nChannel 1: and\n\nChannel 0: month. Yep.\n\nChannel 1: yeah. Yeah. A 100%. I think everything should be done and dusted by then, and I'll know\n\nChannel 0: Yep.\n\nChannel 1: where I stand and and how I'm gonna move forward. You know?\n\nChannel 0: Yeah. Beautiful.\n\nChannel 1: So yeah.\n\nChannel 0: Excellent. Having a look at your super, I can that there are some changes to the investment portfolio that I would also like to make for you.\n\nChannel 1: Mhmm.\n\nChannel 0: I can do one of two options. I can look at making some changes to the investments now, or I can just hold off because your portfolio has done really well. You've got a lovely 10% return there. Things are working nicely. I can always just hold off on making changes to your super, and we kind of look at super and investment as a whole and do, you know, a nice big strategy across everything.\n\nWould you like me just to hold off on making changes at now and maybe incorporate that into the big plan so we can look at where you're tracking with both super and investments outside of super to sort of see how that looks for you and give you a nice five to ten year plan that see how we're tracking?\n\nChannel 1: Yeah. I mean, I guess, you know, a a month ain't gonna change too much. But, I mean, what sort of changes would you think to make now?\n\nChannel 0: Well, I can see here with your investments, if you're looking at the port the portfolio report, the hub twenty four one, the top investments have been along Australian equities. So that one there is underperforming a little bit in your portfolio. So you'll see there if you look at the second last column, it's got the brackets in the 19.14% in there. So it does show that that is down by about 19.14% for the year. Essentially, when I assess whether an investment itself is underperforming or whether it is just due to normal market reactions, we assess the investment against how, say, the benchmark is going or how other areas within that that sort of area are.\n\nThat's an Australian equities fund. So, essentially, we'd be looking at how Australian equities have performed. And whilst we have seen those market ups and downs with what's been going on between The US and Iran, the issues within that Benelon Australian equities and the reason that it is down doesn't have anything to do with that. Essentially, Benelon and the investment fund itself have had some individual issues with their investment option there, and that\n\nChannel 1: Right.\n\nChannel 0: is causing that to be down, and it hasn't kinda come back and shown any kind of recovery. If you kind of look about three investments down, you've got the bank hybrid, the cybersecurity, and then you've got the other one there, which is the keywords. That's the Australian that's Australian Raffy. That's Australian equities as well, and that's essentially doing very, very well. That's showing you a positive of 16.99% for the year.\n\nSo\n\nChannel 1: So\n\nChannel 0: you\n\nChannel 1: the\n\nChannel 0: can\n\nChannel 1: brackets\n\nChannel 0: kinda\n\nChannel 1: mean\n\nChannel 0: see the\n\nChannel 1: it's\n\nChannel 0: difference.\n\nChannel 1: going down. It's down nine. So the brackets mean it's down. Is that right?\n\nChannel 0: Yes. That's exactly\n\nChannel 1: Okay.\n\nChannel 0: right. The brackets show a negative a negative figure or a negative return. Yeah.\n\nChannel 1: Wow.\n\nChannel 0: Yeah.\n\nChannel 1: Okay.\n\nChannel 0: And\n\nChannel 1: Yeah.\n\nChannel 0: so you\n\nChannel 1: Well,\n\nChannel 0: can\n\nChannel 1: look.\n\nChannel 0: see with\n\nChannel 1: Let's\n\nChannel 0: the\n\nChannel 1: can we kick them to the curb now? I mean,\n\nChannel 0: absolutely.\n\nChannel 1: I could because I was thinking, like, this year at 10%, like, I mean, is that the worst year so far? Because I'm sure the other year made is the first year or second year. I don't know. It was up at, like, 14%, and I\n\nChannel 0: I can\n\nChannel 1: was\n\nChannel 0: have\n\nChannel 1: really\n\nChannel 0: a look\n\nChannel 1: impressed.\n\nChannel 0: at the\n\nChannel 1: Maybe\n\nChannel 0: report.\n\nChannel 1: it was the first year, but\n\nChannel 0: Yeah. That's\n\nChannel 1: I was\n\nChannel 0: okay. I can have a look for you. I've got the reports here as well. So the 2024 annual review report showed you were at 13.49% for that year. And then if I go back to the 2023 we didn't have a report then.\n\nSo 2024 was your first annual review, and, yeah, it was. You were up 13.49% for that year, and then this last twelve months, it's showing that 10.69%. So it is a bit lower\n\nChannel 1: Yeah.\n\nChannel 0: in saying that, we understand, well, markets do go up and down. So there are gonna be years when you get, say, a thirteen, fifteen, or 20% return, but then other years when you only get a four or five or 10% return. And that's because\n\nChannel 1: Yep.\n\nChannel 0: markets do fluctuate. There are ups and downs to be considered. Admittedly, if Bannalong was performing better this year, you could have seen a much greater level of return out of your portfolio than what you had seen. So Bannalong has had a bit of an effect there, but\n\nChannel 1: Yeah.\n\nChannel 0: it's also got to do with the market as a whole with the ups and downs. And one of the good things about your contributions continuing to go in is that you are dollar cost averaging in the market, and we're taking advantage of the ups and downs. One of the biggest things that I try to sort of stress is that we don't time the market. We don't try to pick the top and the bottom of the market. We essentially wanna be taking advantage of what the market's doing and having our contributions going in regularly.\n\nAnd now that our employer contributions are required to go in without pay, we're gonna see much greater dollar cost averaging. So when the market is doing really well, you, say, had CBA shares, you put a $100 in and they're $50 per share, that $100 buys two of those shares. If then the\n\nChannel 1: Yep.\n\nChannel 0: next week get paid and your $100 goes in and CBA is at a $100, you only buy one share. The following week, the same thing goes in, and it's $20 per share. Your $100 buys five of those. And that's essentially what we wanna do with your super. We wanna have your contributions going in continuously over time so that we take advantage your contributions by less units of those investments when the market is higher.\n\nAnd when the market is lower, we take advantage and buy into the dip. And\n\nChannel 1: Yep.\n\nChannel 0: doing that by dollar cost averaging means we don't have to time the market. We continuously stay invested and take advantage of whatever the market is doing at that particular time. Does that make sense?\n\nChannel 1: It does. Yes.\n\nChannel 0: Yeah. Yeah. It sort of works out that by doing that over time, you actually buy more units of the investments because you are taking advantage of the ups and downs the market's providing. But then you also help to lower certain risks like market risk and timing risk. Essentially, one of the biggest things, there have been some really great reports over the years where, investment managers have sort of averaged looking at time in the market versus time in the market.\n\nAnd it's actually showing that people who invest in the market and continuously add money throughout the ups and downs actually come out providing a much greater level of return than they had if they tried to time and pick the top and the bottom of the market. And if you miss the top and the bottom of the market, it can, over time, have a greater effect, and you could miss out on thousands of dollars. So there is definitely a good argument for staying invested and just spending time in the market going through the ups and downs rather than trying to pick the top and the bottom in the market and missing that point. So\n\nChannel 1: Yeah. I was just thinking, like, that that been a long one. I mean, there's I mean, like, when you're thinking of or when you mentioned, you know, sort of getting that making that change and getting out of that one essentially, that would be selling the shares in that, wouldn't\n\nChannel 0: Mhmm.\n\nChannel 1: it? That's what\n\nChannel 0: Yes.\n\nChannel 1: that would mean.\n\nChannel 0: Yeah. That's selling\n\nChannel 1: Do\n\nChannel 0: an\n\nChannel 1: you think\n\nChannel 0: investment.\n\nChannel 1: selling\n\nChannel 0: Yeah.\n\nChannel 1: selling it while it's low or, like, do you think it would come back up? Do you think it would get back\n\nChannel 0: Look.\n\nChannel 1: to where\n\nChannel 0: We've\n\nChannel 1: it\n\nChannel 0: been\n\nChannel 1: needs to be?\n\nChannel 0: we've been watching it. There's it's not that it won't. It's more that it can take quite some time to do so. With\n\nChannel 1: Yeah.\n\nChannel 0: where it has, it's sort of taken a bit of a dip this year. We've sort of been hoping it's gonna come back, but the underlying issues with it and there have been some pretty large sell offs. So, realistically, we don't see it as a quality investment to keep you in long term. They've\n\nChannel 1: Yeah.\n\nChannel 0: just had too many ups and downs. They've just had this issue, which I mean, they can't get away from it. It's an issue with one of their underlying investments now, and that issue will sort of stick around for a while. So they could definitely come back and get back to where it was. However, as yeah.\n\nOur investment committee as a business's desire is really not worth keeping you in. It is just too high a risk to sort of sit there and go, hey. What if it takes six or ten years to come out, and you're sitting\n\nChannel 1: Yeah.\n\nChannel 0: there waiting for this investment? What if it doesn't and it does continue to decrease? So, essentially, the investment committee looked at everything. They went, no. No.\n\nNo. It's time to get rid of that. We're gonna move it out. There has been some very large sell off of the investment as well, which has well, which has kind of continued to create this\n\nChannel 1: Right.\n\nChannel 0: issue. But, yeah, I mean, we can do that now and just do a quick switch, or I can just wait for another month and have that conversation with you about everything as a whole, and we sort of look at the total strategy for you because a few more weeks shouldn't be that shouldn't\n\nChannel 1: Yeah.\n\nChannel 0: be too\n\nChannel 1: Do\n\nChannel 0: bad.\n\nChannel 1: you think it do you think the strategy in a few weeks would be something more aggressive given the timeline that I'm looking at? And, like, how would you what are you thinking as an approach in a in a few weeks? And how I mean,\n\nChannel 0: You\n\nChannel 1: it's probably a lot\n\nChannel 0: could\n\nChannel 1: broader than what I'm\n\nChannel 0: do\n\nChannel 1: thinking. I mean, it's, yeah,\n\nChannel 0: yes.\n\nChannel 1: when you start combining what income I I you know, oh, well, I have to stare each\n\nChannel 0: Yeah.\n\nChannel 1: week and\n\nChannel 0: Yeah.\n\nChannel 1: yeah. It's\n\nChannel 0: Yeah. So, look,\n\nChannel 1: I'm\n\nChannel 0: you\n\nChannel 1: sorry.\n\nChannel 0: you could\n\nChannel 1: I\n\nChannel 0: definitely\n\nChannel 1: kinda\n\nChannel 0: you're fine.\n\nChannel 1: no. No.\n\nChannel 0: Yeah.\n\nChannel 1: Go ahead, sir.\n\nChannel 0: No. You're fine. Honestly, ask these questions. It's really important to have this conversation and kind of put everything on the table, and there's no such thing as a silly question to ask anything you have, Matthew.\n\nChannel 1: That that\n\nChannel 0: I love\n\nChannel 1: that\n\nChannel 0: it.\n\nChannel 1: global that global battery tech in lithium is up, like,\n\nChannel 0: Yeah.\n\nChannel 1: 86%. I mean,\n\nChannel 0: Yeah.\n\nChannel 1: that's crazy.\n\nChannel 0: It has has done very, very nicely. Yeah. Definitely. And, look, that area in the sim tech is definitely one of the areas of significant growth over the past couple of years. We, you know, have enjoyed what that's been doing.\n\nGold is another area. I know gold's taken a bit of a hit in the last couple of weeks, but overall has still been at some really highs. Yeah. No. Honestly, like, with where you are at the moment, you could look to be I mean, as I said, during that high growth kind of environment, you could look to go a little bit more aggressive.\n\nChannel 1: Mhmm.\n\nChannel 0: Essentially, the high growth portfolio or the high growth sort of environment suits someone who has at least eight years before they're wanting to access their money, and that is because you are sort of taking on more risk in the market to try and obtain those greater returns. However, it is important to note that by taking on more risk and being in those sort of high growth environments, there is a point where we do see market downturns, and you will feel those especially as your balance increases. And in the high growth environment, we can expect a negative return, one in sort of every six years as well. So as long as you're happy with that, that's absolutely fine. If you wanted to look at going a little bit more aggressive, then we'll do a risk profile questionnaire shortly to sort of see where you're sitting.\n\nBut the aggressive investor profile is essentially a 100% invested in equities, not sort of seeing any defensive low risk investments. And defensive investments like that are things like cash, bonds, and fixed interest. Having some of those in your portfolio can help to limit market fluctuations, especially when equities aren't doing so well. Things like fixed interest and bonds also help to provide a bit of income. That's another aspect of what we're wanting out of your portfolio is income to be generated, the dividends from the shares and the investments you have, but also income generated from fixed interest and bonds.\n\nThat'll\n\nChannel 1: Yep.\n\nChannel 0: get paid into your cash account, and we reinvest that back into your portfolio for the compounding effect. And that's sort of how compounding works. It's about generating income and or growth that can be cemented and reinvested back into your portfolio. So\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: right.\n\nChannel 0: growth\n\nChannel 1: Yeah.\n\nChannel 0: that is that growth ends up becoming part of your capital, and that tends to generate growth. That that's how compounding works long time long term. With the aggressive aggressive sort of portfolio, we are chasing to try and get returns of 11 to 13% because you are taking on a lot more risk, and\n\nChannel 1: Mhmm.\n\nChannel 0: you can expect a likelihood of a negative return sort of one in every three years. So it is a bit more risk in the market. You do expect more negative returns with the ups and downs the market does feel, and the aggressive portfolio does suit suit someone who's willing to not access their money for the next sort of ten years or longer.\n\nChannel 1: Yeah. Well, I'm not like, I've just sorta let my circuit do a thing. I don't stress out about it at all. Like, I do\n\nChannel 0: Yeah.\n\nChannel 1: look at the and I see the fluctuations on the chart and whatnot. I think I\n\nChannel 0: Yeah.\n\nChannel 1: think it was up to one sixty five, and then when I when I looked at it, it was down to, like, one sixty.\n\nChannel 0: Yeah.\n\nChannel 1: So I realized that there was a drop there, but maybe that was fees. Maybe that was annual fees or something as well. I I don't know.\n\nChannel 0: Yeah. No.\n\nChannel 1: But\n\nChannel 0: The market definitely has been up and down a little bit. And you are also paying for your insurances out of the super as well. So you do have your life, your income protection, and that premium does come out on a yearly basis. At the moment, the premium paid for this year was about $1,528.\n\nChannel 1: Right.\n\nChannel 0: Yeah. Yeah. But, look, honestly, the high grade portfolio is absolutely fine if you're comfortable staying in that area. We can look to substitute growth and income with additional contributions. And sometimes even putting something as little as, you know, twenty or fifty dollars on a weekly or fortnightly basis to begin with can be really beneficial for you so far in helping to, you know, compound that effect and provide additional growth.\n\nGenerally, starting that now as opposed to the next sort of five or ten years down the track provides greater benefit to you as well because of the the longer term, you know, starting off and the compounding effect there.\n\nChannel 1: Yes.\n\nChannel 0: But look. What we what I'd probably look at doing is just not making the switch right now. I know we wanna get rid of Bennelong, and that's absolutely fine. I'll maybe have a chat to you in about four weeks since Sammy gives you a call. We can talk more about your circumstances, look at what expendable cash you have, whether we look at increasing contributions into super.\n\nI can do some research around some investment options to remove Van Alarm and replace that with as well. And then we\n\nChannel 1: Okay.\n\nChannel 0: can also talk about looking at investing outside of super. And I can do have a plan for you that outlines what we do inside super with regard to investment switching and whether contributions and how that looks like over the next five to ten years for you. But then we can also incorporate into that same advice document investing in your own name outside of super and what that looks like for you as well. So you can kinda get an idea of where the road map is for you both with super inside and outside of super. Does that sound like a good idea?\n\nDo you feel comfortable with that? Or\n\nChannel 1: Yeah. I do. And look, Dana, look, I I'm coming to you because you're the expert. And, you know, so when when you like, I I essentially, I mean,\n\nChannel 0: Yeah.\n\nChannel 1: I guess your customer building wealth is how you guys make a living. You know what I mean? So\n\nChannel 0: Absolutely.\n\nChannel 1: I I I I 100% take your advice on board, and I and I trust your judgment. And whether whether you need you feel like you should do something today about that panel or whether you whether you're okay to wait a few weeks, I mean, I'm just sort of happy to go with what whatever it is you think is the best thing to do.\n\nChannel 0: Beautiful. Yeah. No. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But then when we get to that point\n\nChannel 0: Okay.\n\nChannel 1: in a few weeks, yeah, let's let's let's talk seriously about how we can,\n\nChannel 0: Absolutely. Absolutely.\n\nChannel 1: yeah, get that growth going.\n\nChannel 0: Make sure we get that plan sorted. And I think it's a good idea to look at your circumstances as a whole. I mean, there's nothing wrong with doing little bits of a plan at a time, but I do like to be able to incorporate all of your circumstances and really look at the whole road map to see where you're sort of tracking for. And\n\nChannel 1: Yeah.\n\nChannel 0: a bigger plan encompassing all of your circumstances, both wealth inside and outside of super does work in best interest for you rather than providing little bits of advice here and there. There's\n\nChannel 1: Mhmm.\n\nChannel 0: nothing wrong with it in the longer term, but it does make it easier for you to sort of have that road map to kinda give you some clarity long term. So I do like the idea of being able to do everything as one. And I've Sammy's sitting right next to me, and she knows that we'll do a bit of a call in the next four weeks, book you back in, and we can really look at your circumstances as a whole, look at what you're after. And it gives you a bit of time to think about your goals as well. Look at think about what you wanna do, what financial freedom feels like to you, and what you where you wanna be in the next sort of ten years so we can really work on trying to meet those goals for you.\n\nOkay?\n\nChannel 1: Yeah. Sounds good. Sounds good.\n\nChannel 0: Yeah. Beautiful. Fantastic. So, look, your sleep, as I said, has done really well. We'll keep monitoring things over the next couple of weeks, and we'll have that conversation again.\n\nYou can see on the bottom of that summary document there as well, we've also got your insurances. So you've got your life and your TPD cover and income protection. Do you understand how those insurances work, what they are, what they cover? Did you have any questions around any of those types of cover?\n\nChannel 1: No. I don't think I've actually lost where that where that email oh, here we go. Okay. So what do we got?\n\nChannel 0: The\n\nChannel 1: Super\n\nChannel 0: summary.\n\nChannel 1: and insured summary.\n\nChannel 0: Yeah.\n\nChannel 1: No. Not\n\nChannel 0: On the\n\nChannel 1: really.\n\nChannel 0: bottom of that\n\nChannel 1: No.\n\nChannel 0: page.\n\nChannel 1: I've got\n\nChannel 0: No. That's okay.\n\nChannel 1: is Vanguard index super insurance summary. That's the one? Super insurance summary? Is it the one\n\nChannel 0: Yeah.\n\nChannel 1: you need?\n\nChannel 0: That's the one. Yep. It's on\n\nChannel 1: Super\n\nChannel 0: the bottom just\n\nChannel 1: no.\n\nChannel 0: under your super balance. Yeah.\n\nChannel 1: Okay. Prox sorry. Hub 24162 MetLife. Just doing that thing. No.\n\nI don't really have any queries about that.\n\nChannel 0: No. That's\n\nChannel 1: No.\n\nChannel 0: okay.\n\nChannel 1: It's all\n\nChannel 0: So\n\nChannel 1: good.\n\nChannel 0: with the rinse with your life cover, it obviously pays out a lump sum benefit in the event that you're unable to go to work. I know with you having in the process of selling the property that you do have there at the moment, you're currently insured for 826,875. Plus if you were to then pass away, your super benefit is paid out on top of that. So it means your beneficiary can also access that 162107 based on the current balance. Do you feel like that's a comfortable level of life cover for you?\n\nChannel 1: Yeah. I think so.\n\nChannel 0: Yeah.\n\nChannel 1: You know?\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. It's okay. Hopefully,\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: alright.\n\nChannel 1: live.\n\nChannel 0: Look. Honestly, that is the one thing. We have these have these sorts of insurances, and we have beneficiaries in place to make sure that if something was to happen, that we have, you know, all of that covered and that the money can be paid to where you want it to go. But at the end of the day, you always just wanna be able to make sure nothing happens to you and that you get to retirement and that you can enjoy your life you've worked so hard for. So I\n\nChannel 1: Absolutely.\n\nChannel 0: absolutely\n\nChannel 1: Yeah.\n\nChannel 0: agree with you there. Yeah. With your benefit of your life cover and your super, where is it that you are sort of wanting to have that paid? I can see you've got beneficiaries here, and you have currently on your super 32% paid to Alexander. I've got 36% to Jordan and 32% to Sophie.\n\nAre you happy with how that is all nominated?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Beautiful.\n\nChannel 1: Yeah. My eldest\n\nChannel 0: With\n\nChannel 1: son has had to put up with me for longer, so he gets the extra.\n\nChannel 0: just a little bit more. Lucky duck. No. All good. Now with your","paragraphs":[{"sentences":[{"text":"Hello?","start":1.36,"end":1.5999999,"sentiment":"neutral","sentiment_score":-0.015263782814145088},{"text":"I'm not speaking.","start":1.5999999,"end":2.42,"sentiment":"neutral","sentiment_score":-0.1324016029636065}],"sentiment":"neutral","sentiment_score":-0.10311714792624116,"channel":1,"num_words":4,"start":1.36,"end":2.42},{"sentences":[{"text":"Hi, Matthew.","start":2.8799999,"end":3.6,"sentiment":"neutral","sentiment_score":0.01577642234042287},{"text":"It's Dana from OC Financial.","start":3.6,"end":5.06,"sentiment":"neutral","sentiment_score":0.08306626006960868},{"text":"How are you this afternoon?","start":5.12,"end":6.3399997,"sentiment":"neutral","sentiment_score":0.13865601122379304}],"sentiment":"neutral","sentiment_score":0.09501368342898786,"channel":0,"num_words":12,"start":2.8799999,"end":6.3399997},{"sentences":[{"text":"I'm good, Diana.","start":6.72,"end":7.52,"sentiment":"positive","sentiment_score":0.4151447614034017},{"text":"How are you?","start":7.52,"end":8.34,"sentiment":"positive","sentiment_score":0.35830917954444885}],"sentiment":"positive","sentiment_score":0.3867269704739253,"channel":1,"num_words":6,"start":6.72,"end":8.34},{"sentences":[{"text":"I'm very well.","start":8.639999,"end":9.44,"sentiment":"positive","sentiment_score":0.5277044971783956},{"text":"Thank you.","start":9.44,"end":9.84,"sentiment":"positive","sentiment_score":0.6586055755615234},{"text":"Thanks for asking.","start":9.84,"end":10.8,"sentiment":"positive","sentiment_score":0.6196099519729614},{"text":"I had to book in to go through your annual review today.","start":10.8,"end":13.12,"sentiment":"neutral","sentiment_score":0.20341782892743746},{"text":"Is now still a good time there for you?","start":13.12,"end":15.139999,"sentiment":"neutral","sentiment_score":0.20508037590318257}],"sentiment":"neutral","sentiment_score":0.3119273044425866,"channel":0,"num_words":29,"start":8.639999,"end":15.139999},{"sentences":[{"text":"It","start":15.015,"end":15.515,"sentiment":"positive","sentiment_score":0.4883878231048584}],"sentiment":"positive","sentiment_score":0.4883878231048584,"channel":1,"num_words":1,"start":15.015,"end":15.515},{"sentences":[{"text":"Fantastic.","start":16.925,"end":17.425,"sentiment":"positive","sentiment_score":0.5831713676452637},{"text":"Matthew, before we jump into the call, just to let you know, we do record our calls for quality and training purposes.","start":18.125,"end":22.785,"sentiment":"neutral","sentiment_score":0.18403981084173376},{"text":"Are you happy for us to proceed with that?","start":22.845,"end":24.865,"sentiment":"neutral","sentiment_score":0.21538999676704407}],"sentiment":"neutral","sentiment_score":0.2053299117833376,"channel":0,"num_words":32,"start":16.925,"end":24.865},{"sentences":[{"text":"is.","start":24.375,"end":24.875,"sentiment":"neutral","sentiment_score":0.06071329116821289},{"text":"Yeah.","start":25.015,"end":25.335,"sentiment":"neutral","sentiment_score":0.1755456030368805},{"text":"That's fine.","start":25.335,"end":26.154999,"sentiment":"neutral","sentiment_score":0.32762056589126587}],"sentiment":"neutral","sentiment_score":0.22287500649690628,"channel":1,"num_words":4,"start":24.375,"end":26.154999},{"sentences":[{"text":"Fabulous.","start":26.605,"end":27.105,"sentiment":"positive","sentiment_score":0.6061787605285645},{"text":"And this is a security day with you as well, just to confirm your full name, your date of birth, and address I should have","start":27.244999,"end":32.36,"sentiment":"neutral","sentiment_score":0.16017142802476883}],"sentiment":"neutral","sentiment_score":0.17732555619799173,"channel":0,"num_words":26,"start":26.605,"end":32.36},{"sentences":[{"text":"It's","start":33.23,"end":33.55,"sentiment":"neutral","sentiment_score":0.03147205710411072}],"sentiment":"neutral","sentiment_score":0.03147205710411072,"channel":1,"num_words":1,"start":33.23,"end":33.55},{"sentences":[{"text":"on","start":33.54,"end":34.04,"sentiment":"neutral","sentiment_score":0.02268275246024132}],"sentiment":"neutral","sentiment_score":0.02268275246024132,"channel":0,"num_words":1,"start":33.54,"end":34.04},{"sentences":[{"text":"Matthew Steven Dunn.","start":33.55,"end":34.829998,"sentiment":"neutral","sentiment_score":0.037040250996748604},{"text":"First of","start":34.829998,"end":35.23,"sentiment":"neutral","sentiment_score":0.03192045632749796}],"sentiment":"neutral","sentiment_score":0.03499233312904835,"channel":1,"num_words":5,"start":33.55,"end":35.23},{"sentences":[{"text":"file.","start":35.22,"end":35.72,"sentiment":"neutral","sentiment_score":0.04511943832039833}],"sentiment":"neutral","sentiment_score":0.04511943832039833,"channel":0,"num_words":1,"start":35.22,"end":35.72},{"sentences":[{"text":"1282 And 79 Roderick Street, Ipswich.","start":35.23,"end":39.41,"sentiment":"neutral","sentiment_score":0.03326228881875674}],"sentiment":"neutral","sentiment_score":0.03326228881875674,"channel":1,"num_words":6,"start":35.23,"end":39.41},{"sentences":[{"text":"Legend.","start":40.34,"end":40.739998,"sentiment":"neutral","sentiment_score":0.2107914388179779},{"text":"Thank you so much for that.","start":40.739998,"end":42.52,"sentiment":"positive","sentiment_score":0.6096124251683553},{"text":"Matthew, before we jump into the interview, I know you have spoken to my colleague Samantha there, and you wanted to sort of have a bit of a chat about, you know, where your position looks like and what we can do moving forward to kinda help you along.","start":42.98,"end":53.075,"sentiment":"neutral","sentiment_score":0.20507550634899918}],"sentiment":"neutral","sentiment_score":0.2485208178737334,"channel":0,"num_words":56,"start":40.34,"end":53.075},{"sentences":[{"text":"Yes.","start":53.625,"end":54.125,"sentiment":"neutral","sentiment_score":0.07857272773981094}],"sentiment":"neutral","sentiment_score":0.07857272773981094,"channel":1,"num_words":1,"start":53.625,"end":54.125},{"sentences":[{"text":"Is there anything specific otherwise or anything else that you wanted me to sort of touch on as part of your annual review?","start":53.695,"end":59.535,"sentiment":"neutral","sentiment_score":0.04197533995560978},{"text":"Or","start":59.535,"end":60.035,"sentiment":"neutral","sentiment_score":-0.04643312841653824}],"sentiment":"neutral","sentiment_score":0.03829165377343694,"channel":0,"num_words":24,"start":53.695,"end":60.035},{"sentences":[{"text":"I don't think so.","start":61.99,"end":62.79,"sentiment":"neutral","sentiment_score":-0.077818613499403},{"text":"I mean, it'd be nice to talk to have the annual review.","start":62.79,"end":65.93,"sentiment":"neutral","sentiment_score":0.05139096515874068}],"sentiment":"neutral","sentiment_score":0.01908857049420476,"channel":1,"num_words":16,"start":61.99,"end":65.93},{"sentences":[{"text":"yeah.","start":66.55,"end":67.05,"sentiment":"neutral","sentiment_score":0.07067668437957764},{"text":"Of course.","start":67.270004,"end":67.93,"sentiment":"neutral","sentiment_score":0.09588464722037315}],"sentiment":"neutral","sentiment_score":0.08748199294010799,"channel":0,"num_words":3,"start":66.55,"end":67.93},{"sentences":[{"text":"So so that's cool.","start":68.065,"end":69.365,"sentiment":"neutral","sentiment_score":0.20959504321217537},{"text":"And, look, I just saw an email from you guys,","start":69.585,"end":72.725,"sentiment":"neutral","sentiment_score":0.04692879095673561}],"sentiment":"neutral","sentiment_score":0.0934048630297184,"channel":1,"num_words":14,"start":68.065,"end":72.725},{"sentences":[{"text":"Yeah.","start":72.645,"end":73.145,"sentiment":"neutral","sentiment_score":0.03245636820793152}],"sentiment":"neutral","sentiment_score":0.03245636820793152,"channel":0,"num_words":1,"start":72.645,"end":73.145},{"sentences":[{"text":"and it prompted me to re reply and just thinking about my situation","start":72.785,"end":78.885,"sentiment":"neutral","sentiment_score":0.02734849716608341}],"sentiment":"neutral","sentiment_score":0.02734849716608341,"channel":1,"num_words":13,"start":72.785,"end":78.885},{"sentences":[{"text":"Yeah.","start":78.6525,"end":79.1525,"sentiment":"neutral","sentiment_score":0.011902570724487305}],"sentiment":"neutral","sentiment_score":0.011902570724487305,"channel":0,"num_words":1,"start":78.6525,"end":79.1525},{"sentences":[{"text":"currently and just thinking longevity and based on what I'm where I'm at right now.","start":79.345,"end":84.79,"sentiment":"neutral","sentiment_score":0.017247010643283527},{"text":"So I look.","start":84.79,"end":85.35,"sentiment":"neutral","sentiment_score":0.014817671850323677},{"text":"I need to get some savings going.","start":85.35,"end":86.869995,"sentiment":"neutral","sentiment_score":0.015407892210142953},{"text":"I need to, you know, I need to think about investing, and I need you know?","start":86.869995,"end":90.79,"sentiment":"neutral","sentiment_score":0.029116766527295113},{"text":"So I just wanna talk, and I want I needed to make sense.","start":90.79,"end":94.55,"sentiment":"neutral","sentiment_score":0.045884302602364466}],"sentiment":"neutral","sentiment_score":0.02728477072108675,"channel":1,"num_words":54,"start":79.345,"end":94.55},{"sentences":[{"text":"So Google only gets me so far.","start":94.55,"end":96.15,"sentiment":"neutral","sentiment_score":0.013306848438722747},{"text":"You know?","start":96.15,"end":96.81,"sentiment":"neutral","sentiment_score":0.02986954152584076}],"sentiment":"neutral","sentiment_score":0.01698744690252675,"channel":1,"num_words":9,"start":94.55,"end":96.81},{"sentences":[{"text":"Absolutely.","start":97.22,"end":97.72,"sentiment":"neutral","sentiment_score":0.1845393478870392},{"text":"No.","start":98.18,"end":98.340004,"sentiment":"neutral","sentiment_score":0.16145750880241394},{"text":"We can definitely help you 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point where we do see market downturns, and you will feel those especially as your balance increases.","start":1741.625,"end":1753.4851,"sentiment":"negative","sentiment_score":-0.44602502373660485},{"text":"And in the high growth environment, we can expect a negative return, one in sort of every six years as well.","start":1753.8,"end":1760.04,"sentiment":"negative","sentiment_score":-0.6025782596497309},{"text":"So as long as you're happy with that, that's absolutely fine.","start":1760.04,"end":1763.66,"sentiment":"neutral","sentiment_score":-0.0006162478503855799},{"text":"If you wanted to look at going a little bit more aggressive, then we'll do a risk profile questionnaire shortly to sort of see where you're sitting.","start":1763.88,"end":1770.275,"sentiment":"neutral","sentiment_score":-0.014500813696671415}],"sentiment":"neutral","sentiment_score":-0.198804133990467,"channel":0,"num_words":149,"start":1727.37,"end":1770.275},{"sentences":[{"text":"But the aggressive investor profile is essentially a 100% invested in equities, not sort of seeing any defensive low risk investments.","start":1770.895,"end":1779.715,"sentiment":"neutral","sentiment_score":0.014703402029616492},{"text":"And defensive investments like that are things like cash, bonds, and fixed interest.","start":1779.855,"end":1783.875,"sentiment":"neutral","sentiment_score":0.09583758620115426},{"text":"Having some of those in your portfolio can help to limit market fluctuations, especially when equities aren't doing so well.","start":1784.8,"end":1793.06,"sentiment":"neutral","sentiment_score":0.19131983295083047},{"text":"Things like fixed interest and bonds also help to provide a bit of income.","start":1793.12,"end":1796.9801,"sentiment":"neutral","sentiment_score":0.20914195052215032},{"text":"That's another aspect of what we're wanting out of your portfolio is income to be generated, the dividends from the shares and the investments you have, but also income generated from fixed interest 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is that growth ends up becoming part of your capital, and that tends to generate growth.","start":1826.2849,"end":1831.725,"sentiment":"neutral","sentiment_score":0.03352847081773421},{"text":"That that's how compounding works long time long term.","start":1831.725,"end":1835.0249,"sentiment":"neutral","sentiment_score":0.02748518892460399},{"text":"With the aggressive aggressive sort of portfolio, we are chasing to try and get returns of 11 to 13% because you are taking on a lot more risk, and","start":1836.125,"end":1844.98,"sentiment":"neutral","sentiment_score":-0.2479570323023303}],"sentiment":"neutral","sentiment_score":-0.11588005877353928,"channel":0,"num_words":55,"start":1826.2849,"end":1844.98},{"sentences":[{"text":"Mhmm.","start":1844.905,"end":1845.405,"sentiment":"neutral","sentiment_score":-0.3235466480255127}],"sentiment":"neutral","sentiment_score":-0.3235466480255127,"channel":1,"num_words":1,"start":1844.905,"end":1845.405},{"sentences":[{"text":"you can expect a likelihood of a negative return sort of one in every three years.","start":1844.98,"end":1849.48,"sentiment":"negative","sentiment_score":-0.5047451574355364},{"text":"So it is a bit more risk in the market.","start":1849.62,"end":1852.26,"sentiment":"negative","sentiment_score":-0.4234417900443077},{"text":"You do expect more negative returns with the ups and downs the market does feel, and the aggressive portfolio does suit suit someone who's willing to not access their money for the next sort of ten years or longer.","start":1852.26,"end":1865.025,"sentiment":"negative","sentiment_score":-0.5376012875483587}],"sentiment":"negative","sentiment_score":-0.5119506251353484,"channel":0,"num_words":65,"start":1844.98,"end":1865.025},{"sentences":[{"text":"Yeah.","start":1864.9551,"end":1865.275,"sentiment":"neutral","sentiment_score":-0.11457160860300064},{"text":"Well, I'm not like, I've just sorta let my circuit do a 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I","start":1873.915,"end":1874.235,"sentiment":"neutral","sentiment_score":-0.01742764686544736}],"sentiment":"neutral","sentiment_score":-0.0009906459599733353,"channel":1,"num_words":16,"start":1870.795,"end":1874.235},{"sentences":[{"text":"Yeah.","start":1874.22,"end":1874.72,"sentiment":"neutral","sentiment_score":0.007294398732483387}],"sentiment":"neutral","sentiment_score":0.007294398732483387,"channel":0,"num_words":1,"start":1874.22,"end":1874.72},{"sentences":[{"text":"think it was up to one sixty five, and then when I when I looked at it, it was down to, like, one 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you are also paying for your insurances out of the super as well.","start":1893.115,"end":1896.9199,"sentiment":"neutral","sentiment_score":-0.09766301086970738},{"text":"So you do have your life, your income protection, and that premium does come out on a yearly basis.","start":1896.9199,"end":1903.5,"sentiment":"neutral","sentiment_score":0.059933831817225405},{"text":"At the moment, the premium paid for this year was about 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mean?","start":2024.52,"end":2025.24,"sentiment":"neutral","sentiment_score":0.1401662588119507},{"text":"So","start":2025.24,"end":2025.74,"sentiment":"positive","sentiment_score":0.358429491519928}],"sentiment":"neutral","sentiment_score":0.21891272460159503,"channel":1,"num_words":19,"start":2019.64,"end":2025.74},{"sentences":[{"text":"Absolutely.","start":2025.805,"end":2026.305,"sentiment":"positive","sentiment_score":0.5614616870880127}],"sentiment":"positive","sentiment_score":0.5614616870880127,"channel":0,"num_words":1,"start":2025.805,"end":2026.305},{"sentences":[{"text":"I I I I 100% take your advice on board, and I and I trust your judgment.","start":2025.88,"end":2030.12,"sentiment":"positive","sentiment_score":0.5741120050935185},{"text":"And whether whether you need you feel like you should do something today about that panel or whether you whether you're okay to wait a few weeks, I mean, I'm just sort of happy to go with what whatever it is you think is the best thing 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duck.","start":2280.7349,"end":2281.7148,"sentiment":"positive","sentiment_score":0.359859898686409},{"text":"No.","start":2282.9749,"end":2283.3748,"sentiment":"neutral","sentiment_score":-0.11453453451395036},{"text":"All good.","start":2283.3748,"end":2284.1948,"sentiment":"neutral","sentiment_score":0.2167026698589325},{"text":"Now with your","start":2284.4148,"end":2286.0,"sentiment":"neutral","sentiment_score":0.02755448967218399}],"sentiment":"neutral","sentiment_score":0.08699782307331379,"channel":0,"num_words":13,"start":2279.4548,"end":2286.0}]},"summary":{"result":"success","short":"The speakers discuss the annual review process and annual review process for Matthew Steven Dunn, emphasizing the importance of seeking greater risk and increasing his balance to achieve a 5% return on his super. They also discuss the growth of his property investment and the importance of staying in a high growth environment. The speakers emphasize the need for continuously investing in the market and creating a more aggressive portfolio to avoid negative returns. They also discuss insurances and beneficiaries for the customer and emphasize the importance of creating a roadmap for the caller."},"intents":{"segments":[{"text":"I had to book in to go through your annual review today. Is now still a good time there for you? It Fantastic.","start_word":30,"end_word":52,"intents":[{"intent":"Schedule annual review","confidence_score":0.050830092}]},{"text":"And this is a security day with you as well, just to confirm your full name, your date of birth, and address I should have It's on Matthew Steven Dunn. First of file. 1282 And 79 Roderick Street, Ipswich. Legend.","start_word":89,"end_word":128,"intents":[{"intent":"Confirm contact details","confidence_score":0.01942445}]},{"text":"Matthew, before we jump into the interview, I know you have spoken to my colleague Samantha there, and you wanted to sort of have a bit of a chat about, you know, where your position looks like and what we can do moving forward to kinda help you along. Yes.","start_word":135,"end_word":184,"intents":[{"intent":"Discuss position","confidence_score":0.2449747}]},{"text":"Is there anything specific otherwise or anything else that you wanted me to sort of touch on as part of your annual review? Or I don't think so. I mean, it'd be nice to talk to have the annual review. yeah.","start_word":185,"end_word":225,"intents":[{"intent":"Discuss future options","confidence_score":0.0001732809}]},{"text":"I need to get some savings going. I need to, you know, I need to think about investing, and I need you know? So I just wanna talk, and I want I needed to make sense. So Google only gets me so far. You know? Absolutely.","start_word":275,"end_word":320,"intents":[{"intent":"Discuss savings","confidence_score":0.26333478},{"intent":"Discuss investing strategies","confidence_score":0.000419627}]},{"text":"And then as we are going through and updating all of your circumstances, we can talk about what your goals are, what you're looking for moving forward. And, you know, I can sort of give you some guidance there, and we can talk about what we need in order to help provide the advice in those areas for you. Does that sound okay? Perfect.","start_word":376,"end_word":439,"intents":[{"intent":"Update circumstances","confidence_score":0.016819473}]},{"text":"And, you know, I can sort of give you some guidance there, and we can talk about what we need in order to help provide the advice in those areas for you. Does that sound okay?","start_word":403,"end_word":438,"intents":[{"intent":"Provide guidance","confidence_score":0.845015},{"intent":"Provide guidance","confidence_score":0.18296774}]},{"text":"Well, there's a Yes. case study. Yeah.","start_word":520,"end_word":526,"intents":[{"intent":"Investigate case study","confidence_score":0.011298805}]},{"text":"As you kind of read through the case study, you sort of see that he's had income increases along the way. And instead of using that money to other areas, he's invested that money in both his super and possibly externally.","start_word":579,"end_word":619,"intents":[{"intent":"Discuss income and property investments","confidence_score":0.00014339128}]},{"text":"So with Tom's scenario, that is net asset.","start_word":707,"end_word":714,"intents":[{"intent":"Calculate net assets","confidence_score":0.071154736}]},{"text":"So that's essentially all of his assets minus the debt, and that leaves you with your net assets.","start_word":716,"end_word":733,"intents":[{"intent":"Help with assets","confidence_score":0.0046712216},{"intent":"Gather information","confidence_score":0.0047453744}]},{"text":"providing That's a right. road map, yeah, looking at your goals and providing advice and a road map to help you to get to your, you know, TOMS scenario, essentially, to help you meet your goals in the best Yeah.","start_word":761,"end_word":800,"intents":[{"intent":"Provide advice","confidence_score":0.33012122}]},{"text":"way that suits you as well because your circumstances look like they have definitely changed a little bit over the last twelve months there, but I'm more than happy to help you. Would love to sort of look at what we can do moving forward and help to boost, a, your suit, but also, wealth in other areas for you as well. Okay.","start_word":801,"end_word":863,"intents":[{"intent":"Help boost suit and wealth","confidence_score":0.008273978}]},{"text":"Now, Matthew, we do also send through an annual review path to you just with some documents, that we go through as part of the annual review. I am sending that email to you now. That way it is in your email.","start_word":870,"end_word":911,"intents":[{"intent":"Send annual review","confidence_score":0.77512175}]},{"text":"And we are very security conscious as what's going on in the world as well, so making sure that we do security with you whenever you call us or we call you so as no one is pretending to be you and we don't give any information, we shouldn't to anyone that isn't you as well. Okay. Yeah.","start_word":991,"end_word":1048,"intents":[{"intent":"Understand security and privacy","confidence_score":0.0013526231}]},{"text":"It says signed document, which isn't working. No.","start_word":1124,"end_word":1131,"intents":[{"intent":"Fix document issue","confidence_score":0.014133486}]},{"text":"greater returns. Yeah.","start_word":1503,"end_word":1505,"intents":[{"intent":"Gain higher returns","confidence_score":0.0007329432}]},{"text":"It's what we wanna see, but we wanna see that continue and continue to compound for you.","start_word":1649,"end_word":1665,"intents":[{"intent":"Compound portfolio","confidence_score":0.0026056943}]},{"text":"a little bit of money back in my pocket, and then I can start reconfiguring and rejigging everything and and start to try to build some serious wealth. I mean Yeah.","start_word":2230,"end_word":2260,"intents":[{"intent":"Manage wealth planning","confidence_score":0.00010240276}]},{"text":"And, I mean, property investment is a great idea. The biggest sort of unknown we have at the moment is that there is that legislation that's possibly going through after the budget where in order to be able to access negative gearing, we do have to be able to possibly buy a brand new kinda off the plan property to create new housing demand.","start_word":2645,"end_word":2708,"intents":[{"intent":"Discuss investment options","confidence_score":0.044963155}]},{"text":"Are you hoping to build enough wealth that you, you know, are able to stop working in the next ten years or have the option of working, or are you just wanting to build up enough wealth to kinda supplement super in retirement?","start_word":2897,"end_word":2939,"intents":[{"intent":"Build wealth","confidence_score":0.918926},{"intent":"Build super","confidence_score":0.1054551}]},{"text":"But we can also build portfolios very similar to what you have in your super in your own name, and we have structures like investment accounts that suit smaller balances and be able to build wealth that way.","start_word":2939,"end_word":2976,"intents":[{"intent":"Build portfolios","confidence_score":0.07839273}]},{"text":"Obviously, super is a tax haven, putting money into super additional contributions. It is taxed only 15% inside super instead of your marginal tax rate.","start_word":3121,"end_word":3145,"intents":[{"intent":"Avoid tax consequences","confidence_score":0.00089865946}]},{"text":"The only sort of downside to super is that you can't access the funds until you meet the condition of release.","start_word":3146,"end_word":3166,"intents":[{"intent":"Access funds","confidence_score":0.62438}]},{"text":"Do you think you're wanting to sort of focus on sleep, or would you like to build wealth outside and and over the next ten years? What would you like to do?","start_word":3197,"end_word":3228,"intents":[{"intent":"Focus on sleep","confidence_score":0.3184582}]},{"text":"Do you think you're wanting to sort of focus on sleep, or would you like to build wealth outside and and over the next ten years? What would you like to do? I I think yeah. I I would like to build wealth outside, and I'm just I guess I'm, like, anybody. I'm just sort of looking for financial freedom, and I want it sooner rather Mhmm.","start_word":3197,"end_word":3263,"intents":[{"intent":"Build wealth outside","confidence_score":0.11749119}]},{"text":"I I would like to build wealth outside, and I'm just I guess I'm, like, anybody. I'm just sort of looking for financial freedom, and I want it sooner rather Mhmm.","start_word":3233,"end_word":3263,"intents":[{"intent":"Create financial freedom","confidence_score":0.0005584763}]},{"text":"I can book you back in a few weeks when you're ready to do so.","start_word":3564,"end_word":3578,"intents":[{"intent":"Book a call","confidence_score":0.03261153}]},{"text":"about, you know, what your income looks like, what your expendable income looks like. We can do a risk profile, and we can look at investing outside of Super for you in other structures. And I can Okay.","start_word":3583,"end_word":3620,"intents":[{"intent":"Discuss income and expenses","confidence_score":0.0014236668}]},{"text":"Document for you that essentially outlines what we're looking at there and make a recommendation on how it's structured, what to invest the money in, how to build it over time, and give you kind of that projected outcome that you're sort of after to show you where we are tracking for very similar to how we are in. Does that sound okay with you? Yeah.","start_word":3636,"end_word":3701,"intents":[{"intent":"Recommend investment strategy","confidence_score":0.065998085},{"intent":"Recommend investment recommendations","confidence_score":0.0015086972}]},{"text":"I can get Samantha to give you a call in another, you know, three or four or six weeks depending on what you're comfortable with, Yeah.","start_word":3766,"end_word":3791,"intents":[{"intent":"Conclude call","confidence_score":0.008818374}]},{"text":"Having a look at your super, I can that there are some changes to the investment portfolio that I would also like to make for you.","start_word":3851,"end_word":3876,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.012654912}]},{"text":"Well, I can see here with your investments, if you're looking at the port the portfolio report, the hub twenty four one, the top investments have been along Australian equities. So that one there is underperforming a little bit in your portfolio.","start_word":4043,"end_word":4084,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.20629975}]},{"text":"Admittedly, if Bannalong was performing better this year, you could have seen a much greater level of return out of your portfolio than what you had seen.","start_word":4587,"end_word":4613,"intents":[{"intent":"Evaluate market performance","confidence_score":0.05801312}]},{"text":"And now that our employer contributions are required to go in without pay, we're gonna see much greater dollar cost averaging.","start_word":4725,"end_word":4745,"intents":[{"intent":"Analyze cost averaging strategies","confidence_score":0.0014911914}]},{"text":"that would mean. Yeah. That's selling Do an you think investment. selling Yeah. selling it while it's low or, like, do you think it would come back up? Do you think it would get back Look.","start_word":5167,"end_word":5202,"intents":[{"intent":"Confirming understanding","confidence_score":0.0018849176}]},{"text":"where it has, it's sort of taken a bit of a dip this year. We've sort of been hoping it's gonna come back, but the underlying issues with it and there have been some pretty large sell offs. So, realistically, we don't see it as a quality investment to keep you in long term.","start_word":5235,"end_word":5288,"intents":[{"intent":"Expressing concern about investment decline","confidence_score":0.044221673}]},{"text":"where it has, it's sort of taken a bit of a dip this year. We've sort of been hoping it's gonna come back, but the underlying issues with it and there have been some pretty large sell offs. So, realistically, we don't see it as a quality investment to keep you in long term. They've Yeah.","start_word":5235,"end_word":5290,"intents":[{"intent":"Expressing uncertainty","confidence_score":0.0023682322},{"intent":"Discussing investment future","confidence_score":0.0044091754}]},{"text":"Our investment committee as a business's desire is really not worth keeping you in. It is just too high a risk to sort of sit there and go, hey. What if it takes six or ten years to come out, and you're sitting Yeah.","start_word":5349,"end_word":5392,"intents":[{"intent":"Discussing investment committee's decision","confidence_score":0.07369156},{"intent":"Discussing investment committee's decision","confidence_score":0.011764381}]},{"text":"But, yeah, I mean, we can do that now and just do a quick switch, or I can just wait for another month and have that conversation with you about everything as a whole, and we sort of look at the total strategy for you because a few more weeks shouldn't be that shouldn't Yeah.","start_word":5460,"end_word":5514,"intents":[{"intent":"Discuss strategy","confidence_score":0.6540376},{"intent":"Review strategy","confidence_score":0.0073643546}]},{"text":"It's really important to have this conversation and kind of put everything on the table, and there's no such thing as a silly question to ask anything you have, Matthew.","start_word":5630,"end_word":5659,"intents":[{"intent":"Ask questions","confidence_score":0.19961138}]},{"text":"And, look, that area in the sim tech is definitely one of the areas of significant growth over the past couple of years. We, you know, have enjoyed what that's been doing. Gold is another area.","start_word":5692,"end_word":5727,"intents":[{"intent":"Consider growth areas","confidence_score":0.0011541354}]},{"text":"I know gold's taken a bit of a hit in the last couple of weeks, but overall has still been at some really highs. Yeah.","start_word":5728,"end_word":5752,"intents":[{"intent":"Discuss gold area","confidence_score":0.07544929}]},{"text":"Honestly, like, with where you are at the moment, you could look to be I mean, as I said, during that high growth kind of environment, you could look to go a little bit more aggressive. Mhmm.","start_word":5754,"end_word":5790,"intents":[{"intent":"Consider choices","confidence_score":0.000033268494}]},{"text":"Essentially, the high growth portfolio or the high growth sort of environment suits someone who has at least eight years before they're wanting to access their money, and that is because you are sort of taking on more risk in the market to try and obtain those greater returns.","start_word":5792,"end_word":5840,"intents":[{"intent":"Analyze portfolio risks","confidence_score":0.13095383}]},{"text":"You do expect more negative returns with the ups and downs the market does feel, and the aggressive portfolio does suit suit someone who's willing to not access their money for the next sort of ten years or longer. Yeah.","start_word":6176,"end_word":6215,"intents":[{"intent":"Discuss market dynamics","confidence_score":0.007246435}]},{"text":"So I realized that there was a drop there, but maybe that was fees. Maybe that was annual fees or something as well. I I don't know.","start_word":6282,"end_word":6308,"intents":[{"intent":"Discuss fees and compounding effect","confidence_score":0.00042203825}]},{"text":"What we what I'd probably look at doing is just not making the switch right now. I know we wanna get rid of Bennelong, and that's absolutely fine. I'll maybe have a chat to you in about four weeks since Sammy gives you a call. We can talk more about your circumstances, look at what expendable cash you have, whether we look at increasing contributions into super.","start_word":6485,"end_word":6551,"intents":[{"intent":"Discuss future plans","confidence_score":0.1610475},{"intent":"Discuss situation","confidence_score":0.055526398}]},{"text":"I can do some research around some investment options to remove Van Alarm and replace that with as well. And then we Okay.","start_word":6553,"end_word":6575,"intents":[{"intent":"Discuss investing options","confidence_score":0.07197887}]},{"text":"And I can do have a plan for you that outlines what we do inside super with regard to investment switching and whether contributions and how that looks like over the next five to ten years for you.","start_word":6585,"end_word":6622,"intents":[{"intent":"Understand investment plan","confidence_score":0.007122662}]},{"text":"I I I I 100% take your advice on board, and I and I trust your judgment. And whether whether you need you feel like you should do something today about that panel or whether you whether you're okay to wait a few weeks, I mean, I'm just sort of happy to go with what whatever it is you think is the best thing to do. Beautiful. Yeah.","start_word":6738,"end_word":6805,"intents":[{"intent":"Identify need for investment options","confidence_score":0.0009155207}]},{"text":"Absolutely. yeah, get that growth going. Make sure we get that plan sorted.","start_word":6834,"end_word":6846,"intents":[{"intent":"Discuss growth","confidence_score":0.024258103}]},{"text":"And I think it's a good idea to look at your circumstances as a whole. I mean, there's nothing wrong with doing little bits of a plan at a time, but I do like to be able to incorporate all of your circumstances and really look at the whole road map to see where you're sort of tracking for. And Yeah.","start_word":6847,"end_word":6907,"intents":[{"intent":"Discuss circumstances and plan","confidence_score":0.00004193816}]}]},"sentiments":{"segments":[{"text":"Hello? I'm not speaking. Hi, Matthew. It's Dana from OC Financial. How are you this afternoon?","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.029643241316080093},{"text":"I'm good, Diana. How are you? I'm very well. Thank you. Thanks for asking.","start_word":16,"end_word":29,"sentiment":"positive","sentiment_score":0.4953762888908386},{"text":"I had to book in to go through your annual review today. Is now still a good time there for you?","start_word":30,"end_word":50,"sentiment":"neutral","sentiment_score":0.2007197141647339},{"text":"It Fantastic.","start_word":51,"end_word":52,"sentiment":"positive","sentiment_score":0.5515768527984619},{"text":"Matthew, before we jump into the call, just to let you know, we do record our calls for quality and training purposes. Are you happy for us to proceed with that? is. Yeah. That's fine.","start_word":53,"end_word":87,"sentiment":"neutral","sentiment_score":0.20125432312488556},{"text":"Fabulous.","start_word":88,"end_word":88,"sentiment":"positive","sentiment_score":0.6061787605285645},{"text":"And this is a security day with you as well, just to confirm your full name, your date of birth, and address I should have It's on Matthew Steven Dunn. First of file. 1282 And 79 Roderick Street, Ipswich. Legend.","start_word":89,"end_word":128,"sentiment":"neutral","sentiment_score":0.1046723946928978},{"text":"Thank you so much for that.","start_word":129,"end_word":134,"sentiment":"positive","sentiment_score":0.6070693135261536},{"text":"Matthew, before we jump into the interview, I know you have spoken to my colleague Samantha there, and you wanted to sort of have a bit of a chat about, you know, where your position looks like and what we can do moving forward to kinda help you along. Yes. Is there anything specific otherwise or anything else that you wanted me to sort of touch on as part of your annual review? Or I don't think so. I mean, it'd be nice to talk to have the annual review. yeah. Of course. So so that's cool. And, look, I just saw an email from you guys, Yeah. and it prompted me to re reply and just thinking about my situation Yeah. currently and just thinking longevity and based on what I'm where I'm at right now. So I look. I need to get some savings going. I need to, you know, I need to think about investing, and I need you know? So I just wanna talk, and I want I needed to make sense. So Google only gets me so far. You know? Absolutely. No.","start_word":135,"end_word":321,"sentiment":"neutral","sentiment_score":0.08186712861061096},{"text":"We can definitely help you with that. It's not a problem at all.","start_word":322,"end_word":334,"sentiment":"positive","sentiment_score":0.34487974643707275},{"text":"Well, what we'll do if you like, we'll start by going through and giving you an update on your super, have a bit of a chat about what's happening there. We'll talk about the insurance that you do have as well. And then as we are going through and updating all of your circumstances, we can talk about what your goals are, what you're looking for moving forward. And, you know, I can sort of give you some guidance there, and we can talk about what we need in order to help provide the advice in those areas for you. Does that sound okay?","start_word":335,"end_word":438,"sentiment":"neutral","sentiment_score":0.2123840872484904},{"text":"Perfect. Yep. Fantastic.","start_word":439,"end_word":441,"sentiment":"positive","sentiment_score":0.5448018312454224},{"text":"And I know the email you saw would have been our recent newsletter with Tom's scenario in it. What's that, sir? That would have been the from the recent newsletter. Actually, let's crack it open now. What was it Yeah. that made You're me just right. go so if it's in where is it? I've still got it in my inbox, I believe. Unless it's secondary. Maybe well, I'm just gonna type in IP. Yeah. You're right. Yes. Well, there's a Yes. case study. Yeah. It was Yeah. a case. That's Yes. the one. About Tom. Yes. That About was it. some Yep. yeah. No. Of course. Understandable.","start_word":442,"end_word":549,"sentiment":"neutral","sentiment_score":0.015667501837015152},{"text":"And, look, it is a really great case study, and it can definitely show you where things can go.","start_word":550,"end_word":568,"sentiment":"positive","sentiment_score":0.4106956422328949},{"text":"Obviously, Tom's scenario, there was a few additional things there. As you kind of read through the case study, you sort of see that he's had income increases along the way. And instead of using that money to other areas, he's invested that money in both his super and possibly externally. It kinda doesn't break down whether there's a investment account there at all. But, Yep. essentially, with Tom's scenario, with all of the increases in wages, he's investing more into his suit for his salary sacrifice and and definitely purchasing a home and building wealth that way, paying down the property as much as possible. But at the very end of the scenario, with the difference there, he starts off with about 70 odd thousand in net assets, but then ends up with 800,000 in five years. So with Tom's scenario, that is net asset. So that's essentially all of his assets minus the debt, and that leaves you with your net assets. And, look, it's not impossible to get to obtain. It's more just about an individual client scenario. So your circumstances could be very different. So it's about Yeah. providing That's a right. road map, yeah, looking at your goals and providing advice and a road map to help you to get to your, you know, TOMS scenario, essentially, to help you meet your goals in the best Yeah. way that suits you as well because your circumstances look like they have definitely changed a little bit over the last twelve months there, but I'm more than happy to help you.","start_word":569,"end_word":832,"sentiment":"neutral","sentiment_score":0.08247789032192844},{"text":"Would love to sort of look at what we can do moving forward and help to boost, a, your suit, but also, wealth in other areas for you as well.","start_word":833,"end_word":862,"sentiment":"positive","sentiment_score":0.5000338554382324},{"text":"Okay. Yes. No.","start_word":863,"end_word":865,"sentiment":"neutral","sentiment_score":0.1632910668849945},{"text":"That sounds perfect. Fantastic.","start_word":866,"end_word":869,"sentiment":"positive","sentiment_score":0.5264763832092285},{"text":"Now, Matthew, we do also send through an annual review path to you just with some documents, that we go through as part of the annual review. I am sending that email to you now. That way it is in your email.","start_word":870,"end_word":911,"sentiment":"neutral","sentiment_score":0.20687279105186465},{"text":"It's good to go. If you're able to look at that, absolutely fantastic.","start_word":912,"end_word":924,"sentiment":"positive","sentiment_score":0.4510434567928314},{"text":"If you're not, that is honestly okay as well. It Yep. does have a sense of your ongoing service agreement for the next twelve months, and we do also have a tax file opt in form. So we just like to make sure you are aware. We do hold your tax file number, but that document outlines how and why we hold your tax file number. And we are very security conscious as what's going on in the world as well, so making sure that we do security with you whenever you call us or we call you so as no one is pretending to be you and we don't give any information, we shouldn't to anyone that isn't you as well. Okay. Yeah. Sure. That's okay.","start_word":925,"end_word":1051,"sentiment":"neutral","sentiment_score":0.03260396048426628},{"text":"Beautiful. All good.","start_word":1052,"end_word":1054,"sentiment":"positive","sentiment_score":0.4621185958385467},{"text":"If you are able to look at that email there, on the when you open it on the attachments, I do have the essentially a summary of your superannuation and insurances there as well as an updated super report for you just to sort of show you how that has been going. I'm just trying to It open that, but is oh, not okay. working. Okay. Sorry. Yeah. Yeah. It says signed document, which isn't working. No. That's okay. Scroll down from that one, and if you see, you'll see some attachments. The So it PDF. should be Yep. yeah. That's the one. One of them should say superannuation and insurances or summary of superannuation Yes. So, insurances. James, you want me to crack that one open? Yeah. That's the one there. Yeah. Yep. Okay. Let's go.","start_word":1055,"end_word":1191,"sentiment":"neutral","sentiment_score":0.03526804628815964},{"text":"Fantastic. This is going to open.","start_word":1192,"end_word":1197,"sentiment":"positive","sentiment_score":0.3947247266769409},{"text":"Come on. Might be taking a second. Yeah. No. It's it's seems to when because I had the page out of the email, it wasn't working. Strange. Okay. So I see a summary of superannuation insurance as Yeah. of June 26.","start_word":1198,"end_word":1238,"sentiment":"neutral","sentiment_score":-0.08638998121023178},{"text":"Beautiful. Beautiful.","start_word":1239,"end_word":1240,"sentiment":"positive","sentiment_score":0.3730359077453614},{"text":"Now having a look back at your last annual review, your balance then was about a 125,209 and 99<unk> there. So having a look at things as of the twenty twenty sixth of June here, your balance is up to a 162,107 and 86<unk>.","start_word":1241,"end_word":1287,"sentiment":"neutral","sentiment_score":0.11299250274896622},{"text":"So it is good. It has definitely grown.","start_word":1287,"end_word":1295,"sentiment":"positive","sentiment_score":0.5135617256164551},{"text":"When we have a look and sorry. With that document, if you have a look at the next document, it should be the next one down. It's the heading on that one would be hub twenty four performance. Can you see that Yes. document there as well? Yep. Yep.","start_word":1295,"end_word":1344,"sentiment":"neutral","sentiment_score":0.04063045606017113},{"text":"Fantastic.","start_word":1344,"end_word":1345,"sentiment":"positive","sentiment_score":0.3499957323074341},{"text":"Okay. So opening Got that that open. one along.","start_word":1345,"end_word":1354,"sentiment":"neutral","sentiment_score":0.14719125628471377},{"text":"Beautiful.","start_word":1354,"end_word":1355,"sentiment":"positive","sentiment_score":0.504176914691925},{"text":"The first page of that document essentially outlines all the individual investments and how they have performed over the past twelve months there for you. What to make it easier on you, if you scroll to the second page of that one and look at the second last column, it's showing you the internal rate of return of essentially the percentage of the growth and income that your super has provided over the last twelve months, and it shows that net of fees, you've made 10.69%. Okay. Yeah.","start_word":1355,"end_word":1443,"sentiment":"neutral","sentiment_score":0.18445637822151184},{"text":"So it is a good Okay. positive return there.","start_word":1443,"end_word":1452,"sentiment":"positive","sentiment_score":0.3838149011135102},{"text":"Having a look at, obviously, how you are invested within your super, you're in more of a high growth portfolio, which is where you're sort of trying to obtain a bit more growth.","start_word":1450,"end_word":1482,"sentiment":"neutral","sentiment_score":0.15659427642822266},{"text":"Happy to take on more of the ups and downs in market fees in order That's to right.","start_word":1483,"end_word":1500,"sentiment":"positive","sentiment_score":0.424054741859436},{"text":"obtain Yeah.","start_word":1501,"end_word":1502,"sentiment":"neutral","sentiment_score":0.2013736218214035},{"text":"greater returns.","start_word":1503,"end_word":1504,"sentiment":"positive","sentiment_score":0.3569643497467041},{"text":"Yeah.","start_word":1505,"end_word":1505,"sentiment":"neutral","sentiment_score":0.317607045173645},{"text":"With that sort of high growth environment, you see generally 90% of your super invested in growth assets.","start_word":1506,"end_word":1523,"sentiment":"positive","sentiment_score":0.35177522897720337},{"text":"So thinking things like Australian shares, international shares, listed property, and commodities like gold and silver there as well. And then just a small component about 10% of your super in low risk defensive investments. So it is about seeking greater risk to obtain that greater growth. This Yes. sort of a portfolio over a on a yearly basis, we're trying to obtain about a an eight to 10% return is what you're sort of averaging or hoping to achieve. So anything above that 10% is essentially your portfolio overperforming or outperforming and doing very, very well. Anything under that 10% is seen as underperformance there. So your portfolio has performed a little bit greater than the 10% as a net return, which is great.","start_word":1524,"end_word":1648,"sentiment":"neutral","sentiment_score":0.22639641165733335},{"text":"It's what we wanna see, but we wanna see that continue and continue to compound for you.","start_word":1649,"end_word":1665,"sentiment":"positive","sentiment_score":0.35402488708496094},{"text":"One of the biggest things with our super is that we start off with a low balance, and we slug it out getting our contributions in to get our super balance up to that sort of 250 mark, between 200 to 250 mark. And then once Yes. we kinda see our balance hit that mark, the compounding increases significantly. If you sort of think about, you know, getting a 5% return on, say, a balance of $50,000, it's about, you know, 2,500 for the year. If you think about that same 5% return on someone with a $250,000 balance, the 5% is $12,500. And then if you continue, that just continues growing.","start_word":1666,"end_word":1777,"sentiment":"neutral","sentiment_score":0.23389096558094025},{"text":"So it's about trying to get your balance up as high as you possibly can so that the compounding effect really starts to grow and work. And as your balance increases, smaller changes in the market really make a big difference, and and the earnings increase along with that.","start_word":1778,"end_word":1826,"sentiment":"positive","sentiment_score":0.5128016471862793},{"text":"So that's essentially the hardest part of getting super to start working for you, but you are very much on track to doing that.","start_word":1827,"end_word":1850,"sentiment":"neutral","sentiment_score":0.16673634946346283},{"text":"Your super has grown really, really well, and you're up to that one sixty two, 107 now. So It has.","start_word":1851,"end_word":1870,"sentiment":"positive","sentiment_score":0.6380341649055481},{"text":"it is Since good since to since see. the inception, it's it's it it has.","start_word":1871,"end_word":1885,"sentiment":"neutral","sentiment_score":0.29930269718170166},{"text":"It's it's gone up a lot.","start_word":1886,"end_word":1891,"sentiment":"positive","sentiment_score":0.36729392409324646},{"text":"Yeah. I think it's it's doubled in the last sort of couple of years, which, you know, Yeah. all three years, I think, I might have been with you guys now, and Yep.","start_word":1892,"end_word":1924,"sentiment":"neutral","sentiment_score":0.15088319778442383},{"text":"and that's great. Yep. That's great to see.","start_word":1925,"end_word":1932,"sentiment":"positive","sentiment_score":0.5818964242935181},{"text":"Yeah. I'm just having a quick look as well at the original advice document just to see what was projected in the first five years for you, just to sort of see how on track you are to that.","start_word":1933,"end_word":1971,"sentiment":"neutral","sentiment_score":0.1725991815328598},{"text":"So beautiful.","start_word":1972,"end_word":1973,"sentiment":"positive","sentiment_score":0.5710381269454956},{"text":"So you came on board in November 2023 there. Yeah. Okay. So, yeah, two and a Slow half years down. now. Yeah. Not bad at all. And we did project in five years from when you came on board your balance to be around about $201,601.11. So you are pretty well on track for that.","start_word":1974,"end_word":2028,"sentiment":"neutral","sentiment_score":0.20051153004169464},{"text":"We can definitely get your balance up over that kind of mark in the next sort of two, two and a half odd years.","start_word":2029,"end_word":2052,"sentiment":"positive","sentiment_score":0.3492793142795563},{"text":"Yep. The other sort of thing to look at is maybe looking to increase contributions. Are you in a position where you could maybe look to start salary sacrificing or increasing contributions in to help sort of build that compounding effect earlier, or is your circumstances not really allow? Well, like, at the at the present look. I was you know, because I sort of got out of where I was living, and I'm sort of I'm out of my I'm out of my own now. And we're currently Okay. trying to sell a property that had only just finished being built. So there's no one living in it to copy, you know, the offset of of what's owed on. So we're I'm just I'm just bleeding money into this thing until Yeah. Yeah. the sixty day settlement's over, which should be in the next couple of weeks. So I'm basically I'm I'm just sitting on nothing until for the time being, until this thing has just gone and out of my life and, hopefully, Yeah. Yeah. a little bit of money back in my pocket, and then I can start reconfiguring and rejigging everything and and start to try to build some serious wealth. I mean Yeah. yeah. And yeah.","start_word":2053,"end_word":2263,"sentiment":"neutral","sentiment_score":-0.01358932503874268},{"text":"It's a it's a crappy time in that regard.","start_word":2264,"end_word":2272,"sentiment":"negative","sentiment_score":-0.5125651955604553},{"text":"So I just need to Yeah. get over this hump, and then I will Yeah. be, you know, sort of back in on the board and but, yeah, Right super into it. contributions. I I would I would like to I'd like to do that, but I'm sort of wondering I mean so like I said, what what am I I'm 42. I'm turning 44 at the end of this year, and I want I wanna Yeah. make some, you know, get some serious setup going for the next ten years. And I'm like, Yep. what's the best way for me to do that? Is it through super? Is it through saving and property investing or just investing in in in the share market outside of super. I'm just don't know what's the best way to go about it. You know? Yeah. No. That's absolutely fine. So you're looking at more of a ten year horizon there with your investing side of things. The main thing with with the property investment side of things at the moment, there is a few unknowns to consider.","start_word":2273,"end_word":2456,"sentiment":"neutral","sentiment_score":-0.021907957270741463},{"text":"So property investment is great.","start_word":2457,"end_word":2461,"sentiment":"positive","sentiment_score":0.438664436340332},{"text":"There's nothing wrong with that. Essentially, in order to Essentially, in order to get a property, you just need to make sure you do have, obviously, capital to be able to do that. I can Yes. see here that with everything going through, that property that you have now is being sold. The loan will be cleared, and you and your ex partner will be splitting that 50%. Is that right? Yeah. That's right. But then there's gotta Yeah. be capital gains on it because we've just sold a house that and sold bought a built a house and selling it instantly, so I don't know what that's Oh, going to do to it. yeah. Yeah. And I've Could got a couple reduce of things, the but profit. I I feel like at the end of it, I'm not going to walk away with much, but that will be going out of my life, and Yeah. that's all I really want. You know? I Yeah. just want that gone. So Absolutely. No. Definitely. Completely understand. And, look, that's one less headache to have.","start_word":2462,"end_word":2644,"sentiment":"neutral","sentiment_score":0.04520631897074929},{"text":"And, I mean, property investment is a great idea.","start_word":2645,"end_word":2653,"sentiment":"positive","sentiment_score":0.4787866473197937},{"text":"The biggest sort of unknown we have at the moment is that there is that legislation that's possibly going through after the budget where in order to be able to access negative gearing, we do have to be able to possibly buy a brand new kinda off the plan property to create new housing demand. So Yes. there are a lot of unknowns with the property market at the moment and investing in the property market. Essentially, a lot of the clients I'm speaking to at the moment, we're sort of holding off to see what sort of comes of this legislation from the budget to see where that goes, mostly because if they buy a preexisting home and this legislation goes through, it does mean they're not gonna be able to utilize negative gearing. And when we are on a higher income, our income's increasing. We wanna be able to utilize any tax advantage we can to pay as little tax as possible. It's all about paying a fair tax, not too much or, you know, too little. Yeah. Yep. So it is a little bit out there, but, I mean, property investment isn't off the chart.","start_word":2654,"end_word":2851,"sentiment":"neutral","sentiment_score":-0.08693809062242508},{"text":"It is definitely something you can do.","start_word":2852,"end_word":2858,"sentiment":"positive","sentiment_score":0.45305025577545166},{"text":"There are other ways to structure investments, though. So you could look at doing it two ways, and, realistically, it all comes down to what your goals are, what you wanna achieve in the next ten years. Are you hoping to build enough wealth that you, you know, are able to stop working in the next ten years or have the option of working, or are you just wanting to build up enough wealth to kinda supplement super in retirement?","start_word":2859,"end_word":2938,"sentiment":"neutral","sentiment_score":0.17392839575186372},{"text":"But we can also build portfolios very similar to what you have in your super in your own name, and we have structures like investment accounts that suit smaller balances and be able to build wealth that way. We have this investment accounts that can take on larger balances to begin with. We've also got access to, like, investment bonds and things like that that allow you to build investments in your own name without having to suffer tax consequences as well, and those sorts of things suit someone who's got a ten year horizon or not wanting to access that those funds for about ten years and build wealth in the background.","start_word":2939,"end_word":3051,"sentiment":"positive","sentiment_score":0.39654505252838135},{"text":"So there are lots of different options that we have to be able to build investments outside of super. The other option is if you're more just wanting to kinda build for your retirement and not sort of looking at, you know, having anything in your own name and risking the sort of tax consequences of building investments in your own name, you can just be building your super. Obviously, super is a tax haven, putting money into super additional contributions. It is taxed only 15% inside super instead of your marginal tax rate. The only sort of downside to super is that you can't access the funds until you meet the condition of release. So turn 60 and fully retire or 65 if you continue to work beyond that. So it just comes down to what your goals are, what's more important to you. Do you think you're wanting to sort of focus on sleep, or would you like to build wealth outside and and over the next ten years? What would you like to do? I I think yeah. I I would like to build wealth outside, and I'm just I guess I'm, like, anybody. I'm just sort of looking for financial freedom, and I want it sooner rather Mhmm. Yeah. than later. And I want but, you know, I'm I'm I don't wanna be impatient at all. I don't like you know, obviously, gotta do it right, and I don't have many choices. So I just need to Yeah. lock in and and do it. But, yeah, super and the end of the road isn't really what I'm thinking.","start_word":3052,"end_word":3323,"sentiment":"neutral","sentiment_score":0.07202417693813057},{"text":"I would just like some flexibility and to relax on it a bit even while I'm working.","start_word":3324,"end_word":3340,"sentiment":"positive","sentiment_score":0.41802188754081726},{"text":"You know? Yeah. And I Yeah. don't know Yeah.","start_word":3341,"end_word":3349,"sentiment":"neutral","sentiment_score":0.1841131895780563},{"text":"if buying property, moving into it, and moving someone in and getting them paying it off for me as well and or it was the way to go or whether there are better returns over a ten year period with one of your suggestions.","start_word":3350,"end_word":3393,"sentiment":"positive","sentiment_score":0.34234917163848877},{"text":"I don't Yep. know. And but I just That's want okay. the easiest and, you know, and and what's going to help me the most. You know? Yeah. 60 Absolutely. five, I don't 6065, I don't think is yeah. And I don't know.","start_word":3394,"end_word":3436,"sentiment":"neutral","sentiment_score":0.015427439473569391},{"text":"It's far away, you know. And I don't know.","start_word":3437,"end_word":3445,"sentiment":"negative","sentiment_score":-0.3925377130508423},{"text":"I don't know. Yeah. There's a lot to talk a lot to think about. No. Well, look. It honestly sounds like building wealth outside of super is the right aspect for you.","start_word":3446,"end_word":3477,"sentiment":"neutral","sentiment_score":-0.0027739061042666435},{"text":"It is a goal of yours. You are sort of wanting to you know, ten year time horizon definitely works for being able to build wealth outside of super.","start_word":3478,"end_word":3506,"sentiment":"positive","sentiment_score":0.36591315269470215},{"text":"What Yeah. I would probably look at doing for you is because we need to sort of understand how much you have available to you is once you've gone through that property sale, once you've sort of understand a bit more about how much cash you have flexible to you, let's maybe have more of a conversation. I can book you back in a few weeks when you're ready to do so. We can talk Yes. about, you know, what your income looks like, what your expendable income looks like. We can do a risk profile, and we can look at investing outside of Super for you in other structures. And I can Okay. drop a advice document for you that essentially outlines what we're looking at there. Document for you that essentially outlines what we're looking at there and make a recommendation on how it's structured, what to invest the money in, how to build it over time, and give you kind of that projected outcome that you're sort of after to show you where we are tracking for very similar to how we are in. Does that sound okay with you? Yeah.","start_word":3507,"end_word":3700,"sentiment":"neutral","sentiment_score":0.1966427735139414},{"text":"That sounds great. Yep. Beautiful.","start_word":3701,"end_word":3705,"sentiment":"positive","sentiment_score":0.5934246778488159},{"text":"I think for the moment, we just sort of let you get over the hurdle with the property, That's right. go through Yeah. the settlement, get that sorted first so you're not putting too much on your plate and, you know, we're not overloading you in any way, shape, or form, and then we can come back when you're ready. I can get Samantha to give you a call in another, you know, three or four or six weeks depending on what you're comfortable with, Yeah. and she Just can give then it a book give you it a back month. in Give it a month a and month. Yep. yeah. Yeah. A 100%. I think everything should be done and dusted by then, and I'll know Yep. where I stand and and how I'm gonna move forward. You know? Yeah.","start_word":3706,"end_word":3846,"sentiment":"neutral","sentiment_score":0.14329901337623596},{"text":"Beautiful. So yeah. Excellent.","start_word":3847,"end_word":3850,"sentiment":"positive","sentiment_score":0.47927558422088623},{"text":"Having a look at your super, I can that there are some changes to the investment portfolio that I would also like to make for you. Mhmm. I can do one of two options. I can look at making some changes to the investments now, or I can just hold off because your portfolio has done really well.","start_word":3851,"end_word":3908,"sentiment":"neutral","sentiment_score":0.16905105113983154},{"text":"You've got a lovely 10% return there. Things are working nicely.","start_word":3909,"end_word":3919,"sentiment":"positive","sentiment_score":0.5181310176849365},{"text":"I can always just hold off on making changes to your super, and we kind of look at super and investment as a whole and do, you know, a nice big strategy across everything. Would you like me just to hold off on making changes at now and maybe incorporate that into the big plan so we can look at where you're tracking with both super and investments outside of super to sort of see how that looks for you and give you a nice five to ten year plan that see how we're tracking? Yeah. I mean, I guess, you know, a a month ain't gonna change too much. But, I mean, what sort of changes would you think to make now? Well, I can see here with your investments, if you're looking at the port the portfolio report, the hub twenty four one, the top investments have been along Australian equities.","start_word":3920,"end_word":4072,"sentiment":"neutral","sentiment_score":0.10612132312620388},{"text":"So that one there is underperforming a little bit in your portfolio.","start_word":4073,"end_word":4084,"sentiment":"negative","sentiment_score":-0.3460540175437927},{"text":"So you'll see there if you look at the second last column, it's got the brackets in the 19.14% in there. So it does show that that is down by about 19.14% for the year. Essentially, when I assess whether an investment itself is underperforming or whether it is just due to normal market reactions, we assess the investment against how, say, the benchmark is going or how other areas within that that sort of area are. That's an Australian equities fund. So, essentially, we'd be looking at how Australian equities have performed. And whilst we have seen those market ups and downs with what's been going on between The US and Iran, the issues within that Benelon Australian equities and the reason that it is down doesn't have anything to do with that. Essentially, Benelon and the investment fund itself have had some individual issues with their investment option there, and that Right.","start_word":4085,"end_word":4238,"sentiment":"neutral","sentiment_score":-0.20243746042251587},{"text":"is causing that to be down, and it hasn't kinda come back and shown any kind of recovery.","start_word":4239,"end_word":4256,"sentiment":"negative","sentiment_score":-0.3966606855392456},{"text":"If you kind of look about three investments down, you've got the bank hybrid, the cybersecurity, and then you've got the other one there, which is the keywords. That's the Australian that's Australian Raffy. That's Australian equities as well, and that's essentially doing very, very well. That's showing you a positive of 16.99% for the year. So So you the can brackets kinda mean see the it's difference. going down. It's down nine. So the brackets mean it's down. Is that right? Yes. That's exactly Okay. right. The brackets show a negative a negative figure or a negative return. Yeah. Wow. Yeah. Okay. And Yeah. so you Well, can look. see with Let's the can we kick them to the curb now? I mean, absolutely. I could because I was thinking, like, this year at 10%, like, I mean, is that the worst year so far? Because I'm sure the other year made is the first year or second year. I don't know. It was up at, like, 14%, and I I can was have really a look impressed. at the Maybe report. it was the first year, but Yeah. That's I was okay. I can have a look for you. I've got the reports here as well. So the 2024 annual review report showed you were at 13.49% for that year. And then if I go back to the 2023 we didn't have a report then. So 2024 was your first annual review, and, yeah, it was. You were up 13.49% for that year, and then this last twelve months, it's showing that 10.69%. So it is a bit lower Yeah. in saying that, we understand, well, markets do go up and down. So there are gonna be years when you get, say, a thirteen, fifteen, or 20% return, but then other years when you only get a four or five or 10% return. And that's because Yep. markets do fluctuate. There are ups and downs to be considered. Admittedly, if Bannalong was performing better this year, you could have seen a much greater level of return out of your portfolio than what you had seen. So Bannalong has had a bit of an effect there, but Yeah. it's also got to do with the market as a whole with the ups and downs.","start_word":4257,"end_word":4641,"sentiment":"neutral","sentiment_score":0.004549641585485501},{"text":"And one of the good things about your contributions continuing to go in is that you are dollar cost averaging in the market, and we're taking advantage of the ups and downs.","start_word":4642,"end_word":4673,"sentiment":"positive","sentiment_score":0.3546920716762543},{"text":"One of the biggest things that I try to sort of stress is that we don't time the market. We don't try to pick the top and the bottom of the market.","start_word":4674,"end_word":4705,"sentiment":"neutral","sentiment_score":-0.001667476026341319},{"text":"We essentially wanna be taking advantage of what the market's doing and having our contributions going in regularly.","start_word":4706,"end_word":4723,"sentiment":"positive","sentiment_score":0.34161627292633057},{"text":"And now that our employer contributions are required to go in without pay, we're gonna see much greater dollar cost averaging. So when the market is doing really well, you, say, had CBA shares, you put a $100 in and they're $50 per share, that $100 buys two of those shares. If then the Yep. next week get paid and your $100 goes in and CBA is at a $100, you only buy one share. The following week, the same thing goes in, and it's $20 per share. Your $100 buys five of those. And that's essentially what we wanna do with your super.","start_word":4724,"end_word":4827,"sentiment":"neutral","sentiment_score":0.1216907948255539},{"text":"We wanna have your contributions going in continuously over time so that we take advantage your contributions by less units of those investments when the market is higher.","start_word":4828,"end_word":4855,"sentiment":"positive","sentiment_score":0.38849419355392456},{"text":"And when the market is lower, we take advantage and buy into the dip.","start_word":4856,"end_word":4869,"sentiment":"neutral","sentiment_score":0.2854421138763428},{"text":"And Yep.","start_word":4870,"end_word":4871,"sentiment":"positive","sentiment_score":0.3539638817310333},{"text":"doing that by dollar cost averaging means we don't have to time the market.","start_word":4872,"end_word":4885,"sentiment":"neutral","sentiment_score":0.30476436018943787},{"text":"We continuously stay invested and take advantage of whatever the market is doing at that particular time.","start_word":4886,"end_word":4902,"sentiment":"positive","sentiment_score":0.38462668657302856},{"text":"Does that make sense? It does. Yes.","start_word":4903,"end_word":4909,"sentiment":"neutral","sentiment_score":0.2616391181945801},{"text":"Yeah. Yeah. It sort of works out that by doing that over time, you actually buy more units of the investments because you are taking advantage of the ups and downs the market's providing.","start_word":4910,"end_word":4943,"sentiment":"positive","sentiment_score":0.47138750553131104},{"text":"But then you also help to lower certain risks like market risk and timing risk.","start_word":4944,"end_word":4958,"sentiment":"neutral","sentiment_score":0.24935048818588257},{"text":"Essentially, one of the biggest things, there have been some really great reports over the years where, investment managers have sort of averaged looking at time in the market versus time in the market. And it's actually showing that people who invest in the market and continuously add money throughout the ups and downs actually come out providing a much greater level of return than they had if they tried to time and pick the top and the bottom of the market.","start_word":4959,"end_word":5040,"sentiment":"positive","sentiment_score":0.3970897793769837},{"text":"And if you miss the top and the bottom of the market, it can, over time, have a greater effect, and you could miss out on thousands of dollars. So there is definitely a good argument for staying invested and just spending time in the market going through the ups and downs rather than trying to pick the top and the bottom in the market and missing that point. So Yeah. I was just thinking, like, that that been a long one. I mean, there's I mean, like, when you're thinking of or when you mentioned, you know, sort of getting that making that change and getting out of that one essentially, that would be selling the shares in that, wouldn't Mhmm. it? That's what Yes. that would mean. Yeah. That's selling Do an you think investment. selling Yeah. selling it while it's low or, like, do you think it would come back up? Do you think it would get back Look. to where We've it been needs to be? we've been watching it. There's it's not that it won't. It's more that it can take quite some time to do so. With Yeah.","start_word":5041,"end_word":5234,"sentiment":"neutral","sentiment_score":0.0024447747573410113},{"text":"where it has, it's sort of taken a bit of a dip this year. We've sort of been hoping it's gonna come back, but the underlying issues with it and there have been some pretty large sell offs. So, realistically, we don't see it as a quality investment to keep you in long term.","start_word":5235,"end_word":5288,"sentiment":"negative","sentiment_score":-0.43188104033470154},{"text":"They've Yeah.","start_word":5289,"end_word":5290,"sentiment":"neutral","sentiment_score":-0.23289132118225095},{"text":"just had too many ups and downs. They've just had this issue, which I mean, they can't get away from it. It's an issue with one of their underlying investments now, and that issue will sort of stick around for a while.","start_word":5291,"end_word":5332,"sentiment":"negative","sentiment_score":-0.4013577699661255},{"text":"So they could definitely come back and get back to where it was. However, as yeah.","start_word":5333,"end_word":5348,"sentiment":"neutral","sentiment_score":-0.17510274052619934},{"text":"Our investment committee as a business's desire is really not worth keeping you in. It is just too high a risk to sort of sit there and go, hey. What if it takes six or ten years to come out, and you're sitting Yeah.","start_word":5349,"end_word":5392,"sentiment":"negative","sentiment_score":-0.5632781982421875},{"text":"there waiting for this investment?","start_word":5393,"end_word":5397,"sentiment":"neutral","sentiment_score":-0.2480289340019226},{"text":"What if it doesn't and it does continue to decrease? So, essentially, the investment committee looked at everything. They went, no. No. No. It's time to get rid of that. We're gonna move it out. There has been some very large sell off of the investment as well, which has well, which has kind of continued to create this Right.","start_word":5398,"end_word":5457,"sentiment":"negative","sentiment_score":-0.49003157019615173},{"text":"issue. But, yeah, I mean, we can do that now and just do a quick switch, or I can just wait for another month and have that conversation with you about everything as a whole, and we sort of look at the total strategy for you because a few more weeks shouldn't be that shouldn't Yeah. be too Do bad. you think it do you think the strategy in a few weeks would be something more aggressive given the timeline that I'm looking at? And, like, how would you what are you thinking as an approach in a in a few weeks? And how I mean, You it's probably a lot could broader than what I'm do thinking. I mean, it's, yeah, yes. when you start combining what income I I you know, oh, well, I have to stare each Yeah. week and Yeah. yeah. It's Yeah. So, look, I'm you sorry. you could I definitely kinda you're fine. no. No. Yeah. Go ahead, sir. No. You're fine. Honestly, ask these questions. It's really important to have this conversation and kind of put everything on the table, and there's no such thing as a silly question to ask anything you have, Matthew.","start_word":5458,"end_word":5659,"sentiment":"neutral","sentiment_score":0.08106738738346808},{"text":"That that I love that it.","start_word":5660,"end_word":5665,"sentiment":"positive","sentiment_score":0.5954811573028564},{"text":"global that global battery tech in lithium is up, like, Yeah. 86%. I mean, Yeah.","start_word":5666,"end_word":5680,"sentiment":"neutral","sentiment_score":0.250397264957428},{"text":"that's crazy. It has has done very, very nicely. Yeah. Definitely.","start_word":5681,"end_word":5691,"sentiment":"positive","sentiment_score":0.6685165762901306},{"text":"And, look, that area in the sim tech is definitely one of the areas of significant growth over the past couple of years.","start_word":5692,"end_word":5714,"sentiment":"neutral","sentiment_score":0.2827047109603882},{"text":"We, you know, have enjoyed what that's been doing.","start_word":5715,"end_word":5723,"sentiment":"positive","sentiment_score":0.5196473598480225},{"text":"Gold is another area. I know gold's taken a bit of a hit in the last couple of weeks, but overall has still been at some really highs. Yeah. No. Honestly, like, with where you are at the moment, you could look to be I mean, as I said, during that high growth kind of environment, you could look to go a little bit more aggressive. Mhmm. Essentially, the high growth portfolio or the high growth sort of environment suits someone who has at least eight years before they're wanting to access their money, and that is because you are sort of taking on more risk in the market to try and obtain those greater returns.","start_word":5724,"end_word":5839,"sentiment":"neutral","sentiment_score":-0.05174138178599292},{"text":"However, it is important to note that by taking on more risk and being in those sort of high growth environments, there is a point where we do see market downturns, and you will feel those especially as your balance increases. And in the high growth environment, we can expect a negative return, one in sort of every six years as well.","start_word":5840,"end_word":5901,"sentiment":"negative","sentiment_score":-0.4978539943695069},{"text":"So as long as you're happy with that, that's absolutely fine. If you wanted to look at going a little bit more aggressive, then we'll do a risk profile questionnaire shortly to sort of see where you're sitting. But the aggressive investor profile is essentially a 100% invested in equities, not sort of seeing any defensive low risk investments. And defensive investments like that are things like cash, bonds, and fixed interest. Having some of those in your portfolio can help to limit market fluctuations, especially when equities aren't doing so well. Things like fixed interest and bonds also help to provide a bit of income. That's another aspect of what we're wanting out of your portfolio is income to be generated, the dividends from the shares and the investments you have, but also income generated from fixed interest and bonds. That'll Yep. get paid into your cash account, and we reinvest that back into your portfolio for the compounding effect. And that's sort of how compounding works. It's about generating income and or growth that can be cemented and reinvested back into your portfolio. So That's that right. growth Yeah. that is that growth ends up becoming part of your capital, and that tends to generate growth. That that's how compounding works long time long term. With the aggressive aggressive sort of portfolio, we are chasing to try and get returns of 11 to 13% because you are taking on a lot more risk, and Mhmm.","start_word":5902,"end_word":6148,"sentiment":"neutral","sentiment_score":0.0726562961935997},{"text":"you can expect a likelihood of a negative return sort of one in every three years. So it is a bit more risk in the market. You do expect more negative returns with the ups and downs the market does feel, and the aggressive portfolio does suit suit someone who's willing to not access their money for the next sort of ten years or longer.","start_word":6149,"end_word":6213,"sentiment":"negative","sentiment_score":-0.5131539344787598},{"text":"Yeah. Well, I'm not like, I've just sorta let my circuit do a thing. I don't stress out about it at all. Like, I do Yeah. look at the and I see the fluctuations on the chart and whatnot. I think I Yeah. think it was up to one sixty five, and then when I when I looked at it, it was down to, like, one sixty. Yeah. So I realized that there was a drop there, but maybe that was fees. Maybe that was annual fees or something as well. I I don't know. Yeah. No. But The market definitely has been up and down a little bit. And you are also paying for your insurances out of the super as well. So you do have your life, your income protection, and that premium does come out on a yearly basis. At the moment, the premium paid for this year was about $1,528. Right. Yeah. Yeah. But, look, honestly, the high grade portfolio is absolutely fine if you're comfortable staying in that area.","start_word":6214,"end_word":6387,"sentiment":"neutral","sentiment_score":-0.024439437314867973},{"text":"We can look to substitute growth and income with additional contributions. And sometimes even putting something as little as, you know, twenty or fifty dollars on a weekly or fortnightly basis to begin with can be really beneficial for you so far in helping to, you know, compound that effect and provide additional growth. Generally, starting that now as opposed to the next sort of five or ten years down the track provides greater benefit to you as well because of the the longer term, you know, starting off and the compounding effect there.","start_word":6388,"end_word":6481,"sentiment":"positive","sentiment_score":0.4535556435585022},{"text":"Yes. But look. What we what I'd probably look at doing is just not making the switch right now. I know we wanna get rid of Bennelong, and that's absolutely fine. I'll maybe have a chat to you in about four weeks since Sammy gives you a call. We can talk more about your circumstances, look at what expendable cash you have, whether we look at increasing contributions into super. I can do some research around some investment options to remove Van Alarm and replace that with as well. And then we Okay. can also talk about looking at investing outside of super. And I can do have a plan for you that outlines what we do inside super with regard to investment switching and whether contributions and how that looks like over the next five to ten years for you. But then we can also incorporate into that same advice document investing in your own name outside of super and what that looks like for you as well.","start_word":6482,"end_word":6650,"sentiment":"neutral","sentiment_score":0.11951406313293785},{"text":"So you can kinda get an idea of where the road map is for you both with super inside and outside of super.","start_word":6651,"end_word":6673,"sentiment":"positive","sentiment_score":0.3601232171058655},{"text":"Does that sound like a good idea? Do you feel comfortable with that? Or Yeah. I do. And look, Dana, look, I I'm coming to you because you're the expert. And, you know, so when when you like, I I essentially, I mean, Yeah. I guess your customer building wealth is how you guys make a living. You know what I mean?","start_word":6674,"end_word":6735,"sentiment":"neutral","sentiment_score":0.23279054462909696},{"text":"So Absolutely. I I I I 100% take your advice on board, and I and I trust your judgment. And whether whether you need you feel like you should do something today about that panel or whether you whether you're okay to wait a few weeks, I mean, I'm just sort of happy to go with what whatever it is you think is the best thing to do. Beautiful.","start_word":6736,"end_word":6804,"sentiment":"positive","sentiment_score":0.4615345597267151},{"text":"Yeah. No. Absolutely. Yeah. Yeah. But then when we get to that point Okay. in a few weeks, yeah, let's let's let's talk seriously about how we can, Absolutely.","start_word":6805,"end_word":6833,"sentiment":"neutral","sentiment_score":0.1282983124256134},{"text":"Absolutely. yeah, get that growth going. Make sure we get that plan sorted. And I think it's a good idea to look at your circumstances as a whole. I mean, there's nothing wrong with doing little bits of a plan at a time, but I do like to be able to incorporate all of your circumstances and really look at the whole road map to see where you're sort of tracking for. And Yeah. a bigger plan encompassing all of your circumstances, both wealth inside and outside of super does work in best interest for you rather than providing little bits of advice here and there.","start_word":6834,"end_word":6939,"sentiment":"positive","sentiment_score":0.40569818019866943},{"text":"There's Mhmm.","start_word":6940,"end_word":6941,"sentiment":"neutral","sentiment_score":0.04677920415997505},{"text":"nothing wrong with it in the longer term, but it does make it easier for you to sort of have that road map to kinda give you some clarity long term. So I do like the idea of being able to do everything as one. And I've Sammy's sitting right next to me, and she knows that we'll do a bit of a call in the next four weeks, book you back in, and we can really look at your circumstances as a whole, look at what you're after. And it gives you a bit of time to think about your goals as well.","start_word":6942,"end_word":7045,"sentiment":"positive","sentiment_score":0.43704017996788025},{"text":"Look at think about what you wanna do, what financial freedom feels like to you, and what you where you wanna be in the next sort of ten years so we can really work on trying to meet those goals for you. Okay? Yeah.","start_word":7046,"end_word":7089,"sentiment":"neutral","sentiment_score":0.29749178886413574},{"text":"Sounds good. Sounds good. Yeah. Beautiful. Fantastic. So, look, your sleep, as I said, has done really well. We'll keep monitoring things over the next couple of weeks, and we'll have that conversation again.","start_word":7090,"end_word":7123,"sentiment":"positive","sentiment_score":0.4895352125167846},{"text":"You can see on the bottom of that summary document there as well, we've also got your insurances. So you've got your life and your TPD cover and income protection. Do you understand how those insurances work, what they are, what they cover? Did you have any questions around any of those types of cover? No. I don't think I've actually lost where that where that email oh, here we go. Okay. So what do we got? The Super summary. and insured summary. Yeah. No. Not On the really. bottom of that No. page. I've got No. That's okay. is Vanguard index super insurance summary. That's the one? Super insurance summary? Is it the one Yeah. you need? That's the one. Yep. It's on Super the bottom just no. under your super balance. Yeah. Okay. Prox sorry. Hub 24162 MetLife. Just doing that thing. No. I don't really have any queries about that. No. That's No. okay. It's all So good. with the rinse with your life cover, it obviously pays out a lump sum benefit in the event that you're unable to go to work. I know with you having in the process of selling the property that you do have there at the moment, you're currently insured for 826,875. Plus if you were to then pass away, your super benefit is paid out on top of that. So it means your beneficiary can also access that 162107 based on the current balance. Do you feel like that's a comfortable level of life cover for you? Yeah. I think so. Yeah. You know? Yeah. Yeah. It's okay. Hopefully, That's I alright. live. Look. Honestly, that is the one thing.","start_word":7124,"end_word":7403,"sentiment":"neutral","sentiment_score":0.056432045369209455},{"text":"We have these have these sorts of insurances, and we have beneficiaries in place to make sure that if something was to happen, that we have, you know, all of that covered and that the money can be paid to where you want it to go. But at the end of the day, you always just wanna be able to make sure nothing happens to you and that you get to retirement and that you can enjoy your life you've worked so hard for. So I Absolutely. absolutely Yeah. agree with you there.","start_word":7404,"end_word":7496,"sentiment":"positive","sentiment_score":0.4461868405342102},{"text":"Yeah. With your benefit of your life cover and your super, where is it that you are sort of wanting to have that paid? I can see you've got beneficiaries here, and you have currently on your super 32% paid to Alexander. I've got 36% to Jordan and 32% to Sophie.","start_word":7497,"end_word":7547,"sentiment":"neutral","sentiment_score":0.22421002388000488},{"text":"Are you happy with how that is all nominated?","start_word":7548,"end_word":7556,"sentiment":"positive","sentiment_score":0.5030553340911865},{"text":"Yes.","start_word":7557,"end_word":7557,"sentiment":"neutral","sentiment_score":0.26265913248062134},{"text":"Yep. Beautiful. Yeah.","start_word":7558,"end_word":7560,"sentiment":"positive","sentiment_score":0.47861623764038086},{"text":"My eldest With son has had to put up with me for longer, so he gets the extra. just a little bit more.","start_word":7561,"end_word":7583,"sentiment":"neutral","sentiment_score":0.06631644815206528},{"text":"Lucky duck.","start_word":7584,"end_word":7585,"sentiment":"positive","sentiment_score":0.3477461338043213},{"text":"No. All good. Now with your","start_word":7586,"end_word":7591,"sentiment":"neutral","sentiment_score":0.09002388268709183}],"average":{"sentiment":"neutral","sentiment_score":0.10102002175247574}}}}