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We're playing a bit of phone tag. That's alright. I've just sent you out a statement of advice. I wanna walk you through it. Just it's not the best, not the best outcome. And the reason for that is because we tried to do takeover terms before. And owing to health conditions, we weren't able to do it, and that's still the case no matter how hard I fought tooth and nail for those insurances. But I do have a recommendation that's gonna get you closer towards us, you know, that 700,000 that we're talking about the other day. Okay? So I've sent you out a Odoo site. You should have received it in your emails. Do you have access to your emails? Or it's not the end of the world, but, yes, it does need to be updated. Yeah. Two kids, nine and seven on page six. Correct? Mhmm. 10 and 12. Makes sense. Wow. That's that's yeah. Sorry about that. I'm not too sure why that wasn't updated, but everything else I know that I I I've wrote down single, but I didn't know because of our last decision. Yeah. Okay. Gotcha. Gotcha. Alright. Perfect. Well, let's let's skip down. The the those are just kind of like it doesn't really affect the strategy as such because we're looking at the the superannuation insurance strategy between hub twenty four and PSSAB. Okay? So if we wanna skip down to page eight, this is where your insurance is currently live with with that PSSAP insurance policy, paying 80 well, $1,871.28 for that life, TPD, and income protection. Now I've I did a bit of a recommendation regarding your investment portfolio with Hub twenty four, and I wanna walk you through that. We're not taking too much more risk from what we're already doing. It's actually just rebalancing back to the eighty five fifteen, 85% invested into kinda growth assets, the sort of assets we call them, and the other 15% in defensive assets. Right? And what I'm going to be recommending is a portfolio that essentially will be saving you $613 a year in fees, but there is a capital gains tax. Yeah. So you pay 15% on the capital gains inside super if you sell and crystallize on that. But because you got quite a lot of time until retirement, I worked out the math, and this the capital the CGT liability of doing this is $1,735. But I've done the numbers, and the short term hit is worth the long term gain. Okay? So what I'd like you to do is skip down to page 14, please. You'll see a fee comparison. So currently, with your $295,528 in your HOP 24 and $16,117 in PSSAP, Those are the fees. So the administration fees, $1.02 $0.09, that doesn't change because that's the same as across the board. But you'll notice that the investment fee is for HOP 24. Obviously, it'll be the same. I'm gonna leave $16,000 in your PSSAP fund. Alright? The reason for that is because you're contributing to hub and you've got insurances. There is a minimum required balance of $10,000. So I don't wanna roll over $6 and then, you know, they they not be contributions in there and then it drops below and then have any sort of risk of canceling those insurances because that's the last thing we want. Right? So that's the first the first reason why I'm retaining that. Now you'll see that in the investment fee, it's saving that $644 and $0.5.24, and I'll show you why in a second. But when you look at the difference, the last column, you'll see the one thousand $735 between the the balances for the current and recommended. Right? That's our capital gain. So I wanna make sure that you can see that we've actually taken out that initial crystallized CGT event. And if you look at everything else, nothing else really changes other than the adviser service fee, and that's $31 more expensive over the year. And the reason for that is because in our calculations for your current, it's based at the the way that we do the numbers is we base it on what your current balance is over the twelve months for current. But recommended, we expect you to grow a little bit. And that one point 65%, that that's where that extra little bit comes from. But if you go down to the five year rolling average between the console or aggregated return of Hub 24 and PSSAP, You'll see that overall outside of the initial capital gains tax, we are saving you point 18% in percentage fees, which is $613 over the year. And you'll see the growth rates increased by 2.34%. Now if we go down to the next page, we're looking at your lump sum or comparison in five years, lump sum comparison in ten years. At the correct. And that's the beauty of compounding return. You know, 2% doesn't sound like much, but if you're looking at it over every year compounding up, it ends up being quite a lot snowball, you call it? Snowball effect. So it's not quite at that 700,000 that we wanted to get to, but it's a hell of a lot closer. Okay. Correct. And, I mean, look, the what I also like to point out is when you look at the those tables underneath your current aggregate portfolio, so this is the this is the return of the combined PSSAP for insurance purposes retention as well as the HUB 24. You can see the hub 24 portfolios outperformed the PSSAP every every kind of rolling average as well as the last twelve months. Okay? But I wanna add them together and work out well, you're gonna be retaining both of them. So what would happen if we continue this way? Right? So I I wanna point out that I did those returns for the five year and ten year. We used a five year rolling average. And the reason why I do a five year rolling average is because it's the lowest amount, and it's the longest time horizon that's available for those investments. Okay? So, you know, we always wanna be more conservative than not. If we give you higher, fluffy numbers, I could use a three year return and get you to the 700,000. I don't wanna do that because I'd rather, you know, give you a lower amount now and try and exceed it rather than give you a high fluffy number and probably not quite reach it. Right? Yes. So looking at that difference, it does get you a hell of a lot closer. But if you go on to the next page, I'll show you why. K? The majority of the fee savings in your hub 24 so you can see p s s a p, my super ballast, that we're not changing. We're not buying or selling anything. It's zero and yeah. Correct. And but in hub 24, you'll see that we are selling the Global X battery tech lithium because it's had us run. It's done incredibly well. You did have 5% in the initial recommendation. Now you see 8.64% of your portfolio. That's done well. So it crystallized. That's where these capital gains come from because you had a capital gain. Right? You don't pay tax on that. You the majority of your savings majority of your fees in savings, should I say, is coming from that Benelon Australian Equities Fund. Now do you remember when I was telling you about that? Yeah. The dodgy the dodgy in any section. Yeah. Yeah. No. Well, they they are not. That's the thing. I wanna make sure that we differentiate it. They just didn't the fund manager, Barqish, he ended up investing into a company that, honestly, on paper, looked perfectly fine. But, like I said, it's it's it's not as ethical plays in the game, which is quite frustrating, especially when we're recommending the the goodwill and the, you know, the performance of a managed fund that we don't control. So I looked at do you remember when I talked about the SMA with BlackRock that we've teamed up with? So I'm not gonna recommend that. The reason for that is because the performance wasn't quite it wasn't really a product for you. At your agent stage, it just it it wasn't in your best interest, and that's all we kind of need to look at. Now I'm also selling out of cyber security. I'm actually gonna increase your gold exposure because the markets are extremely extremely overpriced at the moment, and gold is what we consider a safe haven. The goal is the safe haven. You know, when market's full, gold goes up. We're gonna just increase your exposure not by much, only by about just just under 2%, by about $5. Make it 10% in gold. We're gonna sell out of your Australian bankable hybrids, so those are hybrid bonds, and we're going to add more exposure into Europe. You don't have any European shares at the moment, but Europe's fine. We're seeing some good traction in Europe as well as very more importantly, Japan, the Nikkei. Japan's this funny funny funny thing. We have seen Japan it's it's it's a very intergenerational culture as a whole. You know what I mean? They they as a as a culture, they they they're essentially planning for future generations, and they've been doing so forever. And it feels like we've always kept our eye on Japan than the guy in the Japanese market. And we it's the the look, the GDP has just continuously gone down. And the if you look at the overall kind of index pricing point, it's very undervalued, but it's for some reason, it just continued to go further, further undervalued. That means you'd lose money. But we're starting to see a turnaround, and it's almost like the all the the foundational work from past generations are really picking up and realizing those gains now. So we wanna take advantage of that. Not taking too much exposure, only 5% of your overall assets in that, which in HOP '24, should I say, is a little bit less than 5%. But it's I think it's worth the bet. Beautiful. Yeah. Well, we try our best. We've been doing pretty good as you can see from the past returns that Keep in mind, past performance is no indication of future performance. I I don't I don't have a crystal ball. If you have one, please, yeah, please let me know. That'll be amazing. Make my job a lot easier with both the sipping pina coladas on the beaches somewhere around the world. Yep. But, yeah, we don't. So and any asset manager that tells you that they do have an idea on what's gonna happen, they are blatantly lying to you. You not trust them at all. You're I'm selling out of Australian property. And the reason for that is because you look around, so it's pretty expensive to get into the property market, especially commercial space as well. Okay? So now they're all saying buy low, sell high. We're selling high and we're new. You know, we don't wanna take that kind of risk because it might be a bit of a debt. So why invest in it? K. We you'll notice that we're increasing your core composite bonds. IAF is the thicker code. That is the it's an I shares of BlackRock product. That's in the big four banks in Australia, essentially. They yeah. Yeah. There's just very stable triple a rated bank bill bonds. So, yeah, you're gonna get paid out dividends from that and by way of income. And if you go down, we're gonna add some exposure. You'll see that we are actually changing your Rappi Australian top two. So the there's a difference between a the beta shares, the keywords. So beta shares Rappi Australian 200. We're selling now that, and we're gonna take about 20% exposure into the BetaShares straight Australian 200. Reason yeah. That's the bottom asset. So the reason there's the reasoning behind that is do you know what the RAFI index is? Do you know what it kind of power works for? Do do you do you wanna know, or does it not really matter? It's pretty interesting. Yeah. No. It's well, I mean, it's your money. You know? At the end of the day, we're managing your money, and it pulls my money. I would want to know what what I'm putting what what somebody's putting my money in and why. You know what I mean? So when you're looking at rapid index, it's almost like a so in index funds, which is, say, your IVV, your S and P, ISHES, S and P 500, how an index works as a whole is when you say, look at the top 500 companies in America. Right? It's let's say, I think, NVIDIA is the largest. It's got about it's worth about five point, you know, for $5,000,000,000,000 at the moment is the current value of that company huge. Now but the the let's just say the I think the S and P is worth about 45. So just for number's sakes, let's say 50,000,000,000,000 dollars is EAs in the overall market. And as an index, if you wanted to invest, say, a $100 of your money, okay, into the S and P 500 index, then you would be looking at buying it in line with what the market capitalization is all the way down to the 500. And I think it's 504, 505 constituents. So if NVIDIA's worth 5,000,000,000,000 of the 50,000,000,000,000, that's 10%. So that means $10,000, 10% of your 100,000 will be invested into that Nvidia stock. And then it will go to the next one, which I believe is somewhere like Apple maybe. Apple, Google, Microsoft, Amazon, those big players. It will go into the next one, then it'll go slowly go all the way down to the 500 constituent. And there's a benefit for that. It's really good investment over the long term. The reason for that is because, you know, NVIDIA used to be the five hundredth largest company. And that means that you've been holding shares all the way at that lower value of what the share price was worth. All the way up. And the more it grows, the more you kinda buy more, and it double cost average all the way up. That's why it's such a good investment. Now the RAPI index, it's it's it's it's for the the specific share. It's changing from the QoS to the a 200. So QoS, the RAPI index is is is takes in almost like an economist approach where it doesn't just invest as per that index approach I explained before. What what happens is they look more into the fundamentals of how companies are doing. So a good example is Netflix. Right? Netflix used to be I think it was, like, twentieth or eighteenth largest company on the planet, right, in America. So that means it would be the twentieth or eighteenth, somewhere around that largest holding of your example, the $100. Right? But if you look at the balance sheets for five years in a row, net Netflix didn't make a profit. So it's not a great share to buy. It's just kind of hyped up on social bias. Right? So it would still be considered in the RAFI index, but it wouldn't be the twentieth largest holding like a normal index. It would be maybe the fifteenth or something like that. Does that make sense? So it looks more into the fundamentals of the actual companies themselves and allocate it that way. It was it was created by an economist Indian economist back in the day. And it says it's a good investment, but we are seeing it it's quite expensive for that investment. So, therefore, the a 200, the BetaShares Australia 200, is, again, it's just changing straight to the flat index again. And we are seeing that the Australian dollar is actually quite strong compared to the wars and everything going on overseas. So for that reason, we, you know, we can save some money in fees. And not only that, we can still have exposure to domestic equities in an index style. So that's that's pretty much where we at. And then I wanted to take a little bit of 8% exposure, which is the Vanguard View, v e u. And we call it View because it's the all world outside of The US. So so the the the that's the last one I'm gonna talk about because it's important. When you're looking at the the overall if you take every stock exchange around the world and you add them all together, the American market, which consists of the S and P five hundred the S and P five hundred, sorry, Consists of the New York Stock Exchange, Nasdaq, Dow Jones, CBOE. There's a lot of different exchanges throughout America. Whereas, let's say, for example, Australia, we've got the ASX and the NSX, the Australian Stock Exchange, National Stock Exchange. That's it. Right? America's got, like, I think, something like 25, 30 different exchanges. So if you add all the world's listed companies into one big pool, America makes up about 61% of it. K? So there's a good saying is if America sneezes, the rest of the world captures the cold. Right? And that's it's so true because if America overnight falls and collapses by, like, 10%, let's say, or 5%, the rest of the world you see usually goes down. Right? Because people get scared, and that's because of that exact nature of it. When they sneeze, everyone else kinda gets a little bit of a cold from it. So what I wanted to do was take a little bit of we needed to get out of out of a concentration of America, and that that's solely because if you're looking at the S and P 500, your IVP, you got 30% of your holdings is in that, which is America. Your if you're looking at, you know, physical gold, that gold is it's all around the world. I'm trying to diversify away from whole America, especially with the volatility going on and everything being so overvalued. K? So Vanguard View is the view of the whole world, like I said, in the big pool, but just take out the 61%, which is America. So it takes advantage of all sorts of emerging markets, India, China, or everywhere outside of America, which is a good it's actually a good place to be, especially when you're looking at, you know, the the Donald Trump's and the policies coming out and a few of the few of the thing. Yeah. Yeah. Exactly. And you're already taking it at 30 exposure of your portfolio in it. So let's try and get a different view. I'm such a nerd. I'm such a nerd. I'm sorry. Yeah. Yeah. But yeah. So you get yeah. V u, Vanguard or WorldX US, you get a different view of the scope. And that that portfolio, essentially, if you if you invested in that portfolio five years ago, you would have achieved 11.39% on average every year instead of eight point 9%. Yeah. But you'll notice that, you know, over three years, it's larger, but over five over twelve months as well, it's larger as well. And that's just you know, it's we we can't always nail it every time, but, hey, it's at least you you know, in the last three years, your portfolio grew by 12 almost 13% every year compared to PSSAP's nine nine point nine, so almost 10. You know, that's what we we wanna try and get about 3% more than what your what our competitors are doing. Over the five years, you can see it's more than that. It's closer to 5% better off. Does that all make sense? Or no. That's right. That's my job. I hope so. Now on page 18, this is what we call unveiling the portfolio. So this is what it looks like. You know? So out of all those different assets, all the reds and the greens and all the different portfolios and percentages and whatever else, what is it actually invested in? So with that pie chart, if you look at the way, that's how your portfolio we we wanna diversify. Now you'll see that in your Australian equity section, your existing international equities property as well as alternative growth assets, which is essentially that gold, with your growth total, you'll see that you're currently taking 82.74% worth of growth assertive assets, which is volatility. That's they can go up and down quite quite quickly. Whereas the defensive assets are fixed interest bonds, fixed credit, stuff like that, as well as cash, we are reducing that fixed interest down to 13.91%. So, essentially, you know, you're looking at increasing your risk by about three two and a half percent. K? So I wanna make that clear. So there is a tiny bit more risk, but like I said before, in line with your risk profile of being growth Yeah. For a six six year approximate time horizon, your you know, you've got more than six years. So six years is considered a good time horizon for a growth portfolio. That means that if you look at past performance, that no time in a eighty five fifteen portfolio would you have ever been down with that kind of risk profile. So that that comes to risk tolerance. So do you have the tolerance to be able to make money back after a significant event, like GFC is good example. There's a great, great chart. It's called an Andex chart, a n d e x. You can actually type it in if you are interested, and you can see the growth of different assets. I think there's the index shows the Australian index, and it's from eight from 1950 up until 2025. So '70 so seventy five year time horizon shows the growth of Australian shares, international shares, or US shares. Shows the average return over that 75. If you're interested, it's pretty pretty cool. You just go are you in front of a computer now? Or open up a new tab and just type in a n d e x chart. D for delta. Yep. D for Delta, sir. A ForAlphaN for Nelly, d for delta, e for echo, x for X-ray. And then AndexChart, it should be the top one in Google. Open that up. There should be a big colorful yep. Where it says order. Just click on that chart, and then it should come up on the left. Just there's a magnifying glass. Click on that magnifying glass. Okay. So you see that yeah. So there's a lot going on. But the if you start with this, the growth of a 100 Australian dollars with no acquisition cost taxes and or income reinvested. Can you see that on the left hand side? So so it should be the 2025 Andex chart for Australian investors. So let's go back. If you go to andex dot com dot a u, and there should be just the order the order the Andex chart for Australian investors. See? Again, so now at the far left, bottom left, it's the growth of a $100 in 1950. At the very bottom, it says 50. Do you see that? So that's 1950, and that is every year all the way up to 2020 '5. So so no. No. That's alright. That's alright. So if we go back to the very beginning, this is the growth of if you invested a $100 into the Australian market with no acquisition costs or or equal ICI and direct cost ratios or taxes and every piece of income that you receive from the dividends, you reinvested back into that market. Right? The dark blue line, you can see the first kind of the the major first major drop was in the seventies, mid seventies industrial industrial drop there. I think it was a massive industrial drop there, and that was a yeah. Essentially, the huge, huge, massive, massive drop in the market. You can see it. And the dark blue line's got the most volatility, recall. If you go up to 1986, I believe it was, somewhere around there, that's called that Black Friday or Black Monday, Black Friday. It was. Yeah. Lehman Brothers collapsed, all that stuff. That's have you ever seen The Wolf of Wall Street? Yeah. So you remember John Belfort's first day of trading in the market, and there was a massive collapse that was that day? Yeah. There was all sorts of restrictions placed because of how hard that fell. Now something a little bit closer to home, 2007 to 2009, that big drop there. That's the GFC. So that oh, that's right. I completely understand. So that's the GFC, and then a little bit closer the most recent drop is COVID in 2020. And you can see the volatility. But if you draw going back onto my points, if you draw a line, so that's the most that's a 100%. So you're taking 85% exposure into those assets. If you took a 100% exposure, if you take it before at peak, just before the market dropped at any point in time, and then you drew a straight line horizontal across, there would be no point in time over the last seventy five years where it took more than, I believe, it's eight point four, not eight years and four months, but eight point four years to not take it back. So GFC, if you dropped the when you held all the way down from the top in twenty two thousand seven down to 2000 beginning of two thousand nine, that drop was about 62%, 60, I think, 62% or 63%, I think. Yes. So you would have been left with 30 was it 37,000 if you had a $100 for that in those two in a year and a half. Correct? But if you kept your cool and you didn't sell and you just left it and then reinvested all distributions and all the rest, do exactly what it would've done. Keep in mind, with the same $100 you put in that market and as an index in '19 50, it would have taken us at $1.02, $3.04, 5, and a bit. So about about six years to make use for your assets to become a $100 again. K? And that's a 100% invested into the market. If you go down to the lighter kind of blue line, that is a seventy thirty approach. That's called a balanced portfolio. And you can see that, you know, just going back into that blue line, with that higher volatility over the longer term, you would have about a $100 would have grown to 362,000 600 and $54. So time is risk, and this is how we calculate it from a standard deviation point of view. Okay? And you're taking a kind of you're taking 5% more exposure to the blue line than the green line, which is long term bonds. As you can see recently, they haven't been performing too well. But, yeah, it's it's if you draw a line from the top at the same GFC kind of error, that is one, two, three years, you would have your money back and you wouldn't have felt the you wouldn't have felt such a such such a large drop. So that's what I just want to point out a lot a kind of a roundabout way we're looking at in terms of volatility, but also time horizon. K? Outside that, the next strategy on page 19 is just looking at your insurances and with your PSSAP. We're gonna retain that, and I just we just kind of explained a little bit more around what we're looking at. So on the second paragraph where it says best interest duty, so I'm just gonna read it out to make sure it makes sense. Although we couldn't obtain new cover, you're currently insured in line with your insurance needs to give you that peace of mind. So your current coverage is 270,000 for life and TPD. And with your super balance of $311,704, it equals a total of $581,920.90 when compared with your liabilities of 311,500, which means that something would happen to you, you would still do yeah. Touch wood. Doesn't happen. But if you if you do fall off your perch, let's say that you've got a fully paid out property as well as $270,000 $270,500 left over. Okay. Just to just to give you that peace of mind. So wanna hold on to that just for the time being, especially because of that income protection policy. And what I'd like to point out on page 20, this is the last thing I'm gonna look at, is your I did a recommendation of I I did the comparison between what your current situation is, what you're tracking for in ten years, what you recommended, and that's a six six one. But then I was I looked at well, what happens if you cancel the insurance as a consolidated and you have no insurance? What would the effects be? The effects are about, what, $22,000 over ten years, so I think it's worthwhile to retain your insurances. Does that make sense? One second. Well, it's yeah. Because of the, you know, your your your actual occupation, you'll be amazed that well, not just that. No. No. No. It's got to do with stress. It's got to do with your the the the problem so from an actuarial point of view, being a state government investigator, your level of trauma and exposure to that is deemed too high for an actuarial insurance company point of view. So the risk everything all premiums is essentially calculated by actuaries, and they work out, well, how much money is that risk worth to us? That's the that's how they work out for premium. And you're too high because mental health is a big thing that people claim on. Very hard to kinda prove that it's not there. You know? So, yeah, it's you got a very high stressful job, apparently. Yeah. What was your last job? Yeah. Well, you'll be amazed at what the premiums look like with that. Exactly. But yeah. Look. That pretty much sums it up. The next thing I wanted to point out was our remuneration as outlined is the same. 1.65% not changing anything. That's all part of that ongoing service, making sure that we're just slowly adjusting things to make sure that we're on in line with your goals and objectives. Beautiful. Well, if you just wanna get down to the second last page, I think there might be a multi line sign up. Just just if you just click in there and just do a full stop or something, then it should allow you to go through because all that is is just to see if you did want to alter something. We we can adjust the portfolio, but it's our recommendation, nevertheless. So if you're happy with it, just do a full stop there and then click the sign in area, sign that, send it through. I'll stay on the line, make sure that I've received it. Mhmm. Circle of death. Yep. No. It's definitely the it's the wheel of death. That's right. Actually, have you have you what do you do you mind me asking? What do you pay for Internet with NBN or Telstra? I've already, yeah, I've already received it on my end. So you'll receive the signed documents on your end as well. So you've got a copy too. And the reason why I bring that up is because I've recently gone to the dark side. I've gone to the Starlink side. And I can tell you it is unbelievable. About 100 I've got the full package, so you get it's about $150 a month. But if you you can get it for something like $89 a month. So it's cheaper than what you're currently paying, and it is unbelievable. You can literally unplug it and take it in your car. You can get Internet in the middle of the desert if you want. Sorry? Starlink. Elon Musk. Starlink. Yeah. It's incredible. It's unbelievable. There is a setup cost for, obviously, the the the the, like, the dish, if you would, but it's yeah. It's it's it's it's crazy. I can literally, it's on my roof, but if I wanted to go camping or something, you can literally just unplug it and take it in your car and put it on your roof of your car when you can't, and you get full reception no matter where you are. Definitely look into it. That's right. Exactly. Hey. Look. We know how to spend our money better than anyone else does. Right? Because we know what we want. But, yeah, I think there's in in certain selected areas, I mean, it's for where like, if you're saying that your Internet is bad, then, yeah, absolutely have a look at that because $75 a month, the starting price, and you got the fish and it connects everywhere, it's worth it. Beautiful. Did you have any questions for me? No. That's alright. Thank you. I could say the exact same thing. So you enjoy the rest of your day. Good luck at the doctors. And, yeah, give us a call if you need anything else. We'll get that investment switched now. Thank you. No worries. See you. 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Sorry, Naomi. I'm not too sure what happened there. It's for some reason, my my my headset just I couldn't hear anything. Oh, right.\n\nOkay. Right. Well, I called you back. We're playing a bit of phone tag. That's alright.\n\nI've just sent you out a statement of advice. I wanna walk you through it. Just it's not the best, not the best outcome. And the reason for that is because we tried to do takeover terms before. And owing to health conditions, we weren't able to do it, and that's still the case no matter how hard I fought tooth and nail for those insurances.\n\nBut I do have a recommendation that's gonna get you closer towards us, you know, that 700,000 that we're talking about the other day. Okay? So I've sent you out a Odoo site. You should have received it in your emails. Do you have access to your emails?\n\nOr it's not the end of the world, but, yes, it does need to be updated. Yeah. Two kids, nine and seven on page six. Correct? Mhmm.\n\n10 and 12. Makes sense. Wow. That's that's yeah. Sorry about that.\n\nI'm not too sure why that wasn't updated, but everything else I know that I I I've wrote down single, but I didn't know because of our last decision. Yeah. Okay. Gotcha. Gotcha.\n\nAlright. Perfect. Well, let's let's skip down. The the those are just kind of like it doesn't really affect the strategy as such because we're looking at the the superannuation insurance strategy between hub twenty four and PSSAB. Okay?\n\nSo if we wanna skip down to page eight, this is where your insurance is currently live with with that PSSAP insurance policy, paying 80 well, $1,871.28 for that life, TPD, and income protection. Now I've I did a bit of a recommendation regarding your investment portfolio with Hub twenty four, and I wanna walk you through that. We're not taking too much more risk from what we're already doing. It's actually just rebalancing back to the eighty five fifteen, 85% invested into kinda growth assets, the sort of assets we call them, and the other 15% in defensive assets. Right?\n\nAnd what I'm going to be recommending is a portfolio that essentially will be saving you $613 a year in fees, but there is a capital gains tax. Yeah. So you pay 15% on the capital gains inside super if you sell and crystallize on that. But because you got quite a lot of time until retirement, I worked out the math, and this the capital the CGT liability of doing this is $1,735. But I've done the numbers, and the short term hit is worth the long term gain.\n\nOkay? So what I'd like you to do is skip down to page 14, please. You'll see a fee comparison. So currently, with your $295,528 in your HOP 24 and $16,117 in PSSAP, Those are the fees. So the administration fees, $1.02 $0.09, that doesn't change because that's the same as across the board.\n\nBut you'll notice that the investment fee is for HOP 24. Obviously, it'll be the same. I'm gonna leave $16,000 in your PSSAP fund. Alright? The reason for that is because you're contributing to hub and you've got insurances.\n\nThere is a minimum required balance of $10,000. So I don't wanna roll over $6 and then, you know, they they not be contributions in there and then it drops below and then have any sort of risk of canceling those insurances because that's the last thing we want. Right? So that's the first the first reason why I'm retaining that. Now you'll see that in the investment fee, it's saving that $644 and $0.5.24, and I'll show you why in a second.\n\nBut when you look at the difference, the last column, you'll see the one thousand $735 between the the balances for the current and recommended. Right? That's our capital gain. So I wanna make sure that you can see that we've actually taken out that initial crystallized CGT event. And if you look at everything else, nothing else really changes other than the adviser service fee, and that's $31 more expensive over the year.\n\nAnd the reason for that is because in our calculations for your current, it's based at the the way that we do the numbers is we base it on what your current balance is over the twelve months for current. But recommended, we expect you to grow a little bit. And that one point 65%, that that's where that extra little bit comes from. But if you go down to the five year rolling average between the console or aggregated return of Hub 24 and PSSAP, You'll see that overall outside of the initial capital gains tax, we are saving you point 18% in percentage fees, which is $613 over the year. And you'll see the growth rates increased by 2.34%.\n\nNow if we go down to the next page, we're looking at your lump sum or comparison in five years, lump sum comparison in ten years. At the correct. And that's the beauty of compounding return. You know, 2% doesn't sound like much, but if you're looking at it over every year compounding up, it ends up being quite a lot snowball, you call it? Snowball effect.\n\nSo it's not quite at that 700,000 that we wanted to get to, but it's a hell of a lot closer. Okay. Correct. And, I mean, look, the what I also like to point out is when you look at the those tables underneath your current aggregate portfolio, so this is the this is the return of the combined PSSAP for insurance purposes retention as well as the HUB 24. You can see the hub 24 portfolios outperformed the PSSAP every every kind of rolling average as well as the last twelve months.\n\nOkay? But I wanna add them together and work out well, you're gonna be retaining both of them. So what would happen if we continue this way? Right? So I I wanna point out that I did those returns for the five year and ten year.\n\nWe used a five year rolling average. And the reason why I do a five year rolling average is because it's the lowest amount, and it's the longest time horizon that's available for those investments. Okay? So, you know, we always wanna be more conservative than not. If we give you higher, fluffy numbers, I could use a three year return and get you to the 700,000.\n\nI don't wanna do that because I'd rather, you know, give you a lower amount now and try and exceed it rather than give you a high fluffy number and probably not quite reach it. Right? Yes. So looking at that difference, it does get you a hell of a lot closer. But if you go on to the next page, I'll show you why.\n\nK? The majority of the fee savings in your hub 24 so you can see p s s a p, my super ballast, that we're not changing. We're not buying or selling anything. It's zero and yeah. Correct.\n\nAnd but in hub 24, you'll see that we are selling the Global X battery tech lithium because it's had us run. It's done incredibly well. You did have 5% in the initial recommendation. Now you see 8.64% of your portfolio. That's done well.\n\nSo it crystallized. That's where these capital gains come from because you had a capital gain. Right? You don't pay tax on that. You the majority of your savings majority of your fees in savings, should I say, is coming from that Benelon Australian Equities Fund.\n\nNow do you remember when I was telling you about that? Yeah. The dodgy the dodgy in any section. Yeah. Yeah.\n\nNo. Well, they they are not. That's the thing. I wanna make sure that we differentiate it. They just didn't the fund manager, Barqish, he ended up investing into a company that, honestly, on paper, looked perfectly fine.\n\nBut, like I said, it's it's it's not as ethical plays in the game, which is quite frustrating, especially when we're recommending the the goodwill and the, you know, the performance of a managed fund that we don't control. So I looked at do you remember when I talked about the SMA with BlackRock that we've teamed up with? So I'm not gonna recommend that. The reason for that is because the performance wasn't quite it wasn't really a product for you. At your agent stage, it just it it wasn't in your best interest, and that's all we kind of need to look at.\n\nNow I'm also selling out of cyber security. I'm actually gonna increase your gold exposure because the markets are extremely extremely overpriced at the moment, and gold is what we consider a safe haven. The goal is the safe haven. You know, when market's full, gold goes up. We're gonna just increase your exposure not by much, only by about just just under 2%, by about $5.\n\nMake it 10% in gold. We're gonna sell out of your Australian bankable hybrids, so those are hybrid bonds, and we're going to add more exposure into Europe. You don't have any European shares at the moment, but Europe's fine. We're seeing some good traction in Europe as well as very more importantly, Japan, the Nikkei. Japan's this funny funny funny thing.\n\nWe have seen Japan it's it's it's a very intergenerational culture as a whole. You know what I mean? They they as a as a culture, they they they're essentially planning for future generations, and they've been doing so forever. And it feels like we've always kept our eye on Japan than the guy in the Japanese market. And we it's the the look, the GDP has just continuously gone down.\n\nAnd the if you look at the overall kind of index pricing point, it's very undervalued, but it's for some reason, it just continued to go further, further undervalued. That means you'd lose money. But we're starting to see a turnaround, and it's almost like the all the the foundational work from past generations are really picking up and realizing those gains now. So we wanna take advantage of that. Not taking too much exposure, only 5% of your overall assets in that, which in HOP '24, should I say, is a little bit less than 5%.\n\nBut it's I think it's worth the bet. Beautiful. Yeah. Well, we try our best. We've been doing pretty good as you can see from the past returns that Keep in mind, past performance is no indication of future performance.\n\nI I don't I don't have a crystal ball. If you have one, please, yeah, please let me know. That'll be amazing. Make my job a lot easier with both the sipping pina coladas on the beaches somewhere around the world. Yep.\n\nBut, yeah, we don't. So and any asset manager that tells you that they do have an idea on what's gonna happen, they are blatantly lying to you. You not trust them at all. You're I'm selling out of Australian property. And the reason for that is because you look around, so it's pretty expensive to get into the property market, especially commercial space as well.\n\nOkay? So now they're all saying buy low, sell high. We're selling high and we're new. You know, we don't wanna take that kind of risk because it might be a bit of a debt. So why invest in it?\n\nK. We you'll notice that we're increasing your core composite bonds. IAF is the thicker code. That is the it's an I shares of BlackRock product. That's in the big four banks in Australia, essentially.\n\nThey yeah. Yeah. There's just very stable triple a rated bank bill bonds. So, yeah, you're gonna get paid out dividends from that and by way of income. And if you go down, we're gonna add some exposure.\n\nYou'll see that we are actually changing your Rappi Australian top two. So the there's a difference between a the beta shares, the keywords. So beta shares Rappi Australian 200. We're selling now that, and we're gonna take about 20% exposure into the BetaShares straight Australian 200. Reason yeah.\n\nThat's the bottom asset. So the reason there's the reasoning behind that is do you know what the RAFI index is? Do you know what it kind of power works for? Do do you do you wanna know, or does it not really matter? It's pretty interesting.\n\nYeah. No. It's well, I mean, it's your money. You know? At the end of the day, we're managing your money, and it pulls my money.\n\nI would want to know what what I'm putting what what somebody's putting my money in and why. You know what I mean? So when you're looking at rapid index, it's almost like a so in index funds, which is, say, your IVV, your S and P, ISHES, S and P 500, how an index works as a whole is when you say, look at the top 500 companies in America. Right? It's let's say, I think, NVIDIA is the largest.\n\nIt's got about it's worth about five point, you know, for $5,000,000,000,000 at the moment is the current value of that company huge. Now but the the let's just say the I think the S and P is worth about 45. So just for number's sakes, let's say 50,000,000,000,000 dollars is EAs in the overall market. And as an index, if you wanted to invest, say, a $100 of your money, okay, into the S and P 500 index, then you would be looking at buying it in line with what the market capitalization is all the way down to the 500. And I think it's 504, 505 constituents.\n\nSo if NVIDIA's worth 5,000,000,000,000 of the 50,000,000,000,000, that's 10%. So that means $10,000, 10% of your 100,000 will be invested into that Nvidia stock. And then it will go to the next one, which I believe is somewhere like Apple maybe. Apple, Google, Microsoft, Amazon, those big players. It will go into the next one, then it'll go slowly go all the way down to the 500 constituent.\n\nAnd there's a benefit for that. It's really good investment over the long term. The reason for that is because, you know, NVIDIA used to be the five hundredth largest company. And that means that you've been holding shares all the way at that lower value of what the share price was worth. All the way up.\n\nAnd the more it grows, the more you kinda buy more, and it double cost average all the way up. That's why it's such a good investment. Now the RAPI index, it's it's it's it's for the the specific share. It's changing from the QoS to the a 200. So QoS, the RAPI index is is is takes in almost like an economist approach where it doesn't just invest as per that index approach I explained before.\n\nWhat what happens is they look more into the fundamentals of how companies are doing. So a good example is Netflix. Right? Netflix used to be I think it was, like, twentieth or eighteenth largest company on the planet, right, in America. So that means it would be the twentieth or eighteenth, somewhere around that largest holding of your example, the $100.\n\nRight? But if you look at the balance sheets for five years in a row, net Netflix didn't make a profit. So it's not a great share to buy. It's just kind of hyped up on social bias. Right?\n\nSo it would still be considered in the RAFI index, but it wouldn't be the twentieth largest holding like a normal index. It would be maybe the fifteenth or something like that. Does that make sense? So it looks more into the fundamentals of the actual companies themselves and allocate it that way. It was it was created by an economist Indian economist back in the day.\n\nAnd it says it's a good investment, but we are seeing it it's quite expensive for that investment. So, therefore, the a 200, the BetaShares Australia 200, is, again, it's just changing straight to the flat index again. And we are seeing that the Australian dollar is actually quite strong compared to the wars and everything going on overseas. So for that reason, we, you know, we can save some money in fees. And not only that, we can still have exposure to domestic equities in an index style.\n\nSo that's that's pretty much where we at. And then I wanted to take a little bit of 8% exposure, which is the Vanguard View, v e u. And we call it View because it's the all world outside of The US. So so the the the that's the last one I'm gonna talk about because it's important. When you're looking at the the overall if you take every stock exchange around the world and you add them all together, the American market, which consists of the S and P five hundred the S and P five hundred, sorry, Consists of the New York Stock Exchange, Nasdaq, Dow Jones, CBOE.\n\nThere's a lot of different exchanges throughout America. Whereas, let's say, for example, Australia, we've got the ASX and the NSX, the Australian Stock Exchange, National Stock Exchange. That's it. Right? America's got, like, I think, something like 25, 30 different exchanges.\n\nSo if you add all the world's listed companies into one big pool, America makes up about 61% of it. K? So there's a good saying is if America sneezes, the rest of the world captures the cold. Right? And that's it's so true because if America overnight falls and collapses by, like, 10%, let's say, or 5%, the rest of the world you see usually goes down.\n\nRight? Because people get scared, and that's because of that exact nature of it. When they sneeze, everyone else kinda gets a little bit of a cold from it. So what I wanted to do was take a little bit of we needed to get out of out of a concentration of America, and that that's solely because if you're looking at the S and P 500, your IVP, you got 30% of your holdings is in that, which is America. Your if you're looking at, you know, physical gold, that gold is it's all around the world.\n\nI'm trying to diversify away from whole America, especially with the volatility going on and everything being so overvalued. K? So Vanguard View is the view of the whole world, like I said, in the big pool, but just take out the 61%, which is America. So it takes advantage of all sorts of emerging markets, India, China, or everywhere outside of America, which is a good it's actually a good place to be, especially when you're looking at, you know, the the Donald Trump's and the policies coming out and a few of the few of the thing. Yeah.\n\nYeah. Exactly. And you're already taking it at 30 exposure of your portfolio in it. So let's try and get a different view. I'm such a nerd.\n\nI'm such a nerd. I'm sorry. Yeah. Yeah. But yeah.\n\nSo you get yeah. V u, Vanguard or WorldX US, you get a different view of the scope. And that that portfolio, essentially, if you if you invested in that portfolio five years ago, you would have achieved 11.39% on average every year instead of eight point 9%. Yeah. But you'll notice that, you know, over three years, it's larger, but over five over twelve months as well, it's larger as well.\n\nAnd that's just you know, it's we we can't always nail it every time, but, hey, it's at least you you know, in the last three years, your portfolio grew by 12 almost 13% every year compared to PSSAP's nine nine point nine, so almost 10. You know, that's what we we wanna try and get about 3% more than what your what our competitors are doing. Over the five years, you can see it's more than that. It's closer to 5% better off. Does that all make sense?\n\nOr no. That's right. That's my job. I hope so. Now on page 18, this is what we call unveiling the portfolio.\n\nSo this is what it looks like. You know? So out of all those different assets, all the reds and the greens and all the different portfolios and percentages and whatever else, what is it actually invested in? So with that pie chart, if you look at the way, that's how your portfolio we we wanna diversify. Now you'll see that in your Australian equity section, your existing international equities property as well as alternative growth assets, which is essentially that gold, with your growth total, you'll see that you're currently taking 82.74% worth of growth assertive assets, which is volatility.\n\nThat's they can go up and down quite quite quickly. Whereas the defensive assets are fixed interest bonds, fixed credit, stuff like that, as well as cash, we are reducing that fixed interest down to 13.91%. So, essentially, you know, you're looking at increasing your risk by about three two and a half percent. K? So I wanna make that clear.\n\nSo there is a tiny bit more risk, but like I said before, in line with your risk profile of being growth Yeah. For a six six year approximate time horizon, your you know, you've got more than six years. So six years is considered a good time horizon for a growth portfolio. That means that if you look at past performance, that no time in a eighty five fifteen portfolio would you have ever been down with that kind of risk profile. So that that comes to risk tolerance.\n\nSo do you have the tolerance to be able to make money back after a significant event, like GFC is good example. There's a great, great chart. It's called an Andex chart, a n d e x. You can actually type it in if you are interested, and you can see the growth of different assets. I think there's the index shows the Australian index, and it's from eight from 1950 up until 2025.\n\nSo '70 so seventy five year time horizon shows the growth of Australian shares, international shares, or US shares. Shows the average return over that 75. If you're interested, it's pretty pretty cool. You just go are you in front of a computer now? Or open up a new tab and just type in a n d e x chart.\n\nD for delta. Yep. D for Delta, sir. A ForAlphaN for Nelly, d for delta, e for echo, x for X-ray. And then AndexChart, it should be the top one in Google.\n\nOpen that up. There should be a big colorful yep. Where it says order. Just click on that chart, and then it should come up on the left. Just there's a magnifying glass.\n\nClick on that magnifying glass. Okay. So you see that yeah. So there's a lot going on. But the if you start with this, the growth of a 100 Australian dollars with no acquisition cost taxes and or income reinvested.\n\nCan you see that on the left hand side? So so it should be the 2025 Andex chart for Australian investors. So let's go back. If you go to andex dot com dot a u, and there should be just the order the order the Andex chart for Australian investors. See?\n\nAgain, so now at the far left, bottom left, it's the growth of a $100 in 1950. At the very bottom, it says 50. Do you see that? So that's 1950, and that is every year all the way up to 2020 '5. So so no.\n\nNo. That's alright. That's alright. So if we go back to the very beginning, this is the growth of if you invested a $100 into the Australian market with no acquisition costs or or equal ICI and direct cost ratios or taxes and every piece of income that you receive from the dividends, you reinvested back into that market. Right?\n\nThe dark blue line, you can see the first kind of the the major first major drop was in the seventies, mid seventies industrial industrial drop there. I think it was a massive industrial drop there, and that was a yeah. Essentially, the huge, huge, massive, massive drop in the market. You can see it. And the dark blue line's got the most volatility, recall.\n\nIf you go up to 1986, I believe it was, somewhere around there, that's called that Black Friday or Black Monday, Black Friday. It was. Yeah. Lehman Brothers collapsed, all that stuff. That's have you ever seen The Wolf of Wall Street?\n\nYeah. So you remember John Belfort's first day of trading in the market, and there was a massive collapse that was that day? Yeah. There was all sorts of restrictions placed because of how hard that fell. Now something a little bit closer to home, 2007 to 2009, that big drop there.\n\nThat's the GFC. So that oh, that's right. I completely understand. So that's the GFC, and then a little bit closer the most recent drop is COVID in 2020. And you can see the volatility.\n\nBut if you draw going back onto my points, if you draw a line, so that's the most that's a 100%. So you're taking 85% exposure into those assets. If you took a 100% exposure, if you take it before at peak, just before the market dropped at any point in time, and then you drew a straight line horizontal across, there would be no point in time over the last seventy five years where it took more than, I believe, it's eight point four, not eight years and four months, but eight point four years to not take it back. So GFC, if you dropped the when you held all the way down from the top in twenty two thousand seven down to 2000 beginning of two thousand nine, that drop was about 62%, 60, I think, 62% or 63%, I think. Yes.\n\nSo you would have been left with 30 was it 37,000 if you had a $100 for that in those two in a year and a half. Correct? But if you kept your cool and you didn't sell and you just left it and then reinvested all distributions and all the rest, do exactly what it would've done. Keep in mind, with the same $100 you put in that market and as an index in '19 50, it would have taken us at $1.02, $3.04, 5, and a bit. So about about six years to make use for your assets to become a $100 again.\n\nK? And that's a 100% invested into the market. If you go down to the lighter kind of blue line, that is a seventy thirty approach. That's called a balanced portfolio. And you can see that, you know, just going back into that blue line, with that higher volatility over the longer term, you would have about a $100 would have grown to 362,000 600 and $54.\n\nSo time is risk, and this is how we calculate it from a standard deviation point of view. Okay? And you're taking a kind of you're taking 5% more exposure to the blue line than the green line, which is long term bonds. As you can see recently, they haven't been performing too well. But, yeah, it's it's if you draw a line from the top at the same GFC kind of error, that is one, two, three years, you would have your money back and you wouldn't have felt the you wouldn't have felt such a such such a large drop.\n\nSo that's what I just want to point out a lot a kind of a roundabout way we're looking at in terms of volatility, but also time horizon. K? Outside that, the next strategy on page 19 is just looking at your insurances and with your PSSAP. We're gonna retain that, and I just we just kind of explained a little bit more around what we're looking at. So on the second paragraph where it says best interest duty, so I'm just gonna read it out to make sure it makes sense.\n\nAlthough we couldn't obtain new cover, you're currently insured in line with your insurance needs to give you that peace of mind. So your current coverage is 270,000 for life and TPD. And with your super balance of $311,704, it equals a total of $581,920.90 when compared with your liabilities of 311,500, which means that something would happen to you, you would still do yeah. Touch wood. Doesn't happen.\n\nBut if you if you do fall off your perch, let's say that you've got a fully paid out property as well as $270,000 $270,500 left over. Okay. Just to just to give you that peace of mind. So wanna hold on to that just for the time being, especially because of that income protection policy. And what I'd like to point out on page 20, this is the last thing I'm gonna look at, is your I did a recommendation of I I did the comparison between what your current situation is, what you're tracking for in ten years, what you recommended, and that's a six six one.\n\nBut then I was I looked at well, what happens if you cancel the insurance as a consolidated and you have no insurance? What would the effects be? The effects are about, what, $22,000 over ten years, so I think it's worthwhile to retain your insurances. Does that make sense? One second.\n\nWell, it's yeah. Because of the, you know, your your your actual occupation, you'll be amazed that well, not just that. No. No. No.\n\nIt's got to do with stress. It's got to do with your the the the problem so from an actuarial point of view, being a state government investigator, your level of trauma and exposure to that is deemed too high for an actuarial insurance company point of view. So the risk everything all premiums is essentially calculated by actuaries, and they work out, well, how much money is that risk worth to us? That's the that's how they work out for premium. And you're too high because mental health is a big thing that people claim on.\n\nVery hard to kinda prove that it's not there. You know? So, yeah, it's you got a very high stressful job, apparently. Yeah. What was your last job?\n\nYeah. Well, you'll be amazed at what the premiums look like with that. Exactly. But yeah. Look.\n\nThat pretty much sums it up. The next thing I wanted to point out was our remuneration as outlined is the same. 1.65% not changing anything. That's all part of that ongoing service, making sure that we're just slowly adjusting things to make sure that we're on in line with your goals and objectives. Beautiful.\n\nWell, if you just wanna get down to the second last page, I think there might be a multi line sign up. Just just if you just click in there and just do a full stop or something, then it should allow you to go through because all that is is just to see if you did want to alter something. We we can adjust the portfolio, but it's our recommendation, nevertheless. So if you're happy with it, just do a full stop there and then click the sign in area, sign that, send it through. I'll stay on the line, make sure that I've received it.\n\nMhmm. Circle of death. Yep. No. It's definitely the it's the wheel of death.\n\nThat's right. Actually, have you have you what do you do you mind me asking? What do you pay for Internet with NBN or Telstra? I've already, yeah, I've already received it on my end. So you'll receive the signed documents on your end as well.\n\nSo you've got a copy too. And the reason why I bring that up is because I've recently gone to the dark side. I've gone to the Starlink side. And I can tell you it is unbelievable. About 100 I've got the full package, so you get it's about $150 a month.\n\nBut if you you can get it for something like $89 a month. So it's cheaper than what you're currently paying, and it is unbelievable. You can literally unplug it and take it in your car. You can get Internet in the middle of the desert if you want. Sorry?\n\nStarlink. Elon Musk. Starlink. Yeah. It's incredible.\n\nIt's unbelievable. There is a setup cost for, obviously, the the the the, like, the dish, if you would, but it's yeah. It's it's it's it's crazy. I can literally, it's on my roof, but if I wanted to go camping or something, you can literally just unplug it and take it in your car and put it on your roof of your car when you can't, and you get full reception no matter where you are. Definitely look into it.\n\nThat's right. Exactly. Hey. Look. We know how to spend our money better than anyone else does.\n\nRight? Because we know what we want. But, yeah, I think there's in in certain selected areas, I mean, it's for where like, if you're saying that your Internet is bad, then, yeah, absolutely have a look at that because $75 a month, the starting price, and you got the fish and it connects everywhere, it's worth it. Beautiful. Did you have any questions for me?\n\nNo. That's alright. Thank you. I could say the exact same thing. So you enjoy the rest of your day.\n\nGood luck at the doctors. And, yeah, give us a call if you need anything else. We'll get that investment switched now. Thank you. No worries.\n\nSee you. Bye.","paragraphs":[{"sentences":[{"text":"Hey.","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":-0.05915887653827667},{"text":"Sorry, Naomi.","start":3.12,"end":4.0,"sentiment":"neutral","sentiment_score":-0.17174827307462692},{"text":"I'm not too sure what happened there.","start":4.0,"end":5.44,"sentiment":"neutral","sentiment_score":-0.320316629750388},{"text":"It's for some reason, my my my headset just I couldn't hear anything.","start":5.44,"end":9.7,"sentiment":"negative","sentiment_score":-0.3718265237716528},{"text":"Oh, right.","start":11.76,"end":14.639999,"sentiment":"neutral","sentiment_score":0.08215940371155739}],"sentiment":"neutral","sentiment_score":-0.2925719133019447,"num_words":25,"start":2.56,"end":14.639999},{"sentences":[{"text":"Okay.","start":14.639999,"end":15.04,"sentiment":"neutral","sentiment_score":0.018249092623591423},{"text":"Right.","start":15.04,"end":15.405,"sentiment":"neutral","sentiment_score":0.020460329949855804},{"text":"Well, I called you back.","start":15.485,"end":16.525,"sentiment":"neutral","sentiment_score":-0.003910181298851967},{"text":"We're playing a bit of phone tag.","start":16.525,"end":18.064999,"sentiment":"neutral","sentiment_score":-0.025663374657077447},{"text":"That's alright.","start":18.605,"end":19.345,"sentiment":"neutral","sentiment_score":0.042075140401721}],"sentiment":"neutral","sentiment_score":-0.004770926607307047,"num_words":16,"start":14.639999,"end":19.345},{"sentences":[{"text":"I've just sent you out a statement of advice.","start":20.285,"end":22.165,"sentiment":"neutral","sentiment_score":0.186118354399999},{"text":"I wanna walk you through it.","start":22.165,"end":23.485,"sentiment":"neutral","sentiment_score":0.2701246788104375},{"text":"Just it's not the best, not the best outcome.","start":23.485,"end":27.005,"sentiment":"negative","sentiment_score":-0.4041053056716919},{"text":"And the reason for that is because we tried to do takeover terms before.","start":27.005,"end":32.019997,"sentiment":"neutral","sentiment_score":-0.28150573053530287},{"text":"And owing to health conditions, we weren't able to do it, and that's still the case no matter how hard I fought tooth and nail for those insurances.","start":32.48,"end":39.78,"sentiment":"neutral","sentiment_score":-0.25660813307123526}],"sentiment":"neutral","sentiment_score":-0.173746097607143,"num_words":66,"start":20.285,"end":39.78},{"sentences":[{"text":"But I do have a recommendation that's gonna get you closer towards us, you know, that 700,000 that we're talking about the other day.","start":40.0,"end":48.495,"sentiment":"neutral","sentiment_score":0.25601396585504216},{"text":"Okay?","start":48.795002,"end":49.295002,"sentiment":"neutral","sentiment_score":0.13232110440731049},{"text":"So I've sent you out a Odoo site.","start":49.995,"end":53.275,"sentiment":"neutral","sentiment_score":0.1685120239853859},{"text":"You should have received it in your emails.","start":53.275,"end":54.955,"sentiment":"neutral","sentiment_score":0.13976515550166368},{"text":"Do you have access to your emails?","start":54.955,"end":56.475,"sentiment":"neutral","sentiment_score":0.04774303734302521}],"sentiment":"neutral","sentiment_score":0.1891057287963728,"num_words":48,"start":40.0,"end":56.475},{"sentences":[{"text":"Or it's not the end of the world, but, yes, it does need to be updated.","start":56.475,"end":72.8,"sentiment":"neutral","sentiment_score":-0.009190798504278064},{"text":"Yeah.","start":73.865005,"end":74.185005,"sentiment":"neutral","sentiment_score":0.02183998003602028},{"text":"Two kids, nine and seven on page six.","start":74.185005,"end":76.505005,"sentiment":"neutral","sentiment_score":0.031642945716157556},{"text":"Correct?","start":76.505005,"end":77.005005,"sentiment":"neutral","sentiment_score":0.03892691060900688},{"text":"Mhmm.","start":79.505005,"end":80.005005,"sentiment":"neutral","sentiment_score":0.019217103719711304}],"sentiment":"neutral","sentiment_score":0.006891658667612959,"num_words":27,"start":56.475,"end":80.005005},{"sentences":[{"text":"10 and 12.","start":82.505005,"end":83.325005,"sentiment":"neutral","sentiment_score":0.017488885050018627},{"text":"Makes sense.","start":83.385,"end":84.125,"sentiment":"neutral","sentiment_score":0.03764876537024975},{"text":"Wow.","start":84.505005,"end":84.985,"sentiment":"neutral","sentiment_score":0.029946593567728996},{"text":"That's that's yeah.","start":84.985,"end":86.49,"sentiment":"neutral","sentiment_score":-0.022932925416777532},{"text":"Sorry about that.","start":86.49,"end":87.21,"sentiment":"neutral","sentiment_score":-0.24007310966650644}],"sentiment":"neutral","sentiment_score":-0.05260894381596396,"num_words":12,"start":82.505005,"end":87.21},{"sentences":[{"text":"I'm not too sure why that wasn't updated, but everything else I know that I I I've wrote down single, but I didn't know because of our last decision.","start":87.21,"end":97.549995,"sentiment":"neutral","sentiment_score":-0.11335031636830034},{"text":"Yeah.","start":97.61,"end":97.85,"sentiment":"neutral","sentiment_score":0.0017702486366033554},{"text":"Okay.","start":97.85,"end":98.09,"sentiment":"neutral","sentiment_score":0.010963081382215025},{"text":"Gotcha.","start":98.09,"end":98.409996,"sentiment":"neutral","sentiment_score":0.014765432104468346},{"text":"Gotcha.","start":98.409996,"end":98.909996,"sentiment":"neutral","sentiment_score":0.017082903534173965}],"sentiment":"neutral","sentiment_score":-0.09825992451585604,"num_words":33,"start":87.21,"end":98.909996},{"sentences":[{"text":"Alright.","start":99.995,"end":100.495,"sentiment":"neutral","sentiment_score":0.015092466957867146},{"text":"Perfect.","start":100.555,"end":100.955,"sentiment":"positive","sentiment_score":0.7274356484413147},{"text":"Well, let's let's skip down.","start":100.955,"end":102.315,"sentiment":"neutral","sentiment_score":0.1025930479168892},{"text":"The the those are just kind of like it doesn't really affect the strategy as such because we're looking at the the superannuation insurance strategy between hub twenty four and PSSAB.","start":102.315,"end":112.655,"sentiment":"neutral","sentiment_score":0.02997025583059557},{"text":"Okay?","start":113.115005,"end":113.615005,"sentiment":"neutral","sentiment_score":0.04840084910392761}],"sentiment":"neutral","sentiment_score":0.05725569576502611,"num_words":39,"start":99.995,"end":113.615005},{"sentences":[{"text":"So if we wanna skip down to page eight, this is where your insurance is currently live with with that PSSAP insurance policy, paying 80 well, $1,871.28 for that life, TPD, and income protection.","start":114.36,"end":128.62,"sentiment":"neutral","sentiment_score":0.07337042119573145},{"text":"Now I've I did a bit of a recommendation regarding your investment portfolio with Hub twenty four, and I wanna walk you through that.","start":129.85501,"end":139.235,"sentiment":"neutral","sentiment_score":0.15090357108662525},{"text":"We're not taking too much more risk from what we're already doing.","start":139.295,"end":142.515,"sentiment":"neutral","sentiment_score":0.0779486366858085},{"text":"It's actually just rebalancing back to the eighty five fifteen, 85% invested into kinda growth assets, the sort of assets we call them, and the other 15% in defensive assets.","start":142.61,"end":154.06999,"sentiment":"neutral","sentiment_score":0.15455477560559908},{"text":"Right?","start":154.45,"end":154.69,"sentiment":"neutral","sentiment_score":0.11904384195804596}],"sentiment":"neutral","sentiment_score":0.11690446313950095,"num_words":101,"start":114.36,"end":154.69},{"sentences":[{"text":"And what I'm going to be recommending is a portfolio that essentially will be saving you $613 a year in fees, but there is a capital gains tax.","start":154.69,"end":169.355,"sentiment":"neutral","sentiment_score":0.16906634425478323},{"text":"Yeah.","start":171.20999,"end":171.69,"sentiment":"neutral","sentiment_score":0.006621308624744415},{"text":"So you pay 15% on the capital gains inside super if you sell and crystallize on that.","start":171.69,"end":176.09,"sentiment":"neutral","sentiment_score":0.058164262596298665},{"text":"But because you got quite a lot of time until retirement, I worked out the math, and this the capital the CGT liability of doing this is $1,735.","start":176.09,"end":187.135,"sentiment":"neutral","sentiment_score":0.008929827649678503},{"text":"But I've done the numbers, and the short term hit is worth the long term gain.","start":187.675,"end":192.175,"sentiment":"neutral","sentiment_score":0.18880258593708277}],"sentiment":"neutral","sentiment_score":0.10000164401200083,"num_words":90,"start":154.69,"end":192.175},{"sentences":[{"text":"Okay?","start":192.315,"end":192.715,"sentiment":"neutral","sentiment_score":0.07010678946971893},{"text":"So what I'd like you to do is skip down to page 14, please.","start":192.715,"end":196.655,"sentiment":"neutral","sentiment_score":0.06976882847292083},{"text":"You'll see a fee comparison.","start":199.95,"end":201.25,"sentiment":"neutral","sentiment_score":0.05194219127297402},{"text":"So currently, with your $295,528 in your HOP 24 and $16,117 in PSSAP, Those are the fees.","start":203.47,"end":214.705,"sentiment":"neutral","sentiment_score":0.07004126018899329},{"text":"So the administration fees, $1.02 $0.09, that doesn't change because that's the same as across the board.","start":214.705,"end":221.04501,"sentiment":"neutral","sentiment_score":0.0814706332543317}],"sentiment":"neutral","sentiment_score":0.07189413949985195,"num_words":54,"start":192.315,"end":221.04501},{"sentences":[{"text":"But you'll notice that the investment fee is for HOP 24.","start":221.425,"end":226.625,"sentiment":"neutral","sentiment_score":0.04875308072025126},{"text":"Obviously, it'll be the same.","start":226.625,"end":227.94,"sentiment":"neutral","sentiment_score":0.08975684493780137},{"text":"I'm gonna leave $16,000 in your PSSAP fund.","start":227.94,"end":231.32,"sentiment":"neutral","sentiment_score":0.11641232296824455},{"text":"Alright?","start":232.02,"end":232.52,"sentiment":"neutral","sentiment_score":0.0831124410033226},{"text":"The reason for that is because you're contributing to hub and you've got insurances.","start":233.06,"end":236.44,"sentiment":"neutral","sentiment_score":0.06563743257096835}],"sentiment":"neutral","sentiment_score":0.07483085111165658,"num_words":39,"start":221.425,"end":236.44},{"sentences":[{"text":"There is a minimum required balance of $10,000.","start":237.14,"end":240.52,"sentiment":"neutral","sentiment_score":-0.11258271662518382},{"text":"So I don't wanna roll over $6 and then, you know, they they not be contributions in there and then it drops below and then have any sort of risk of canceling those insurances because that's the last thing we want.","start":240.90001,"end":252.555,"sentiment":"neutral","sentiment_score":-0.260169820087712},{"text":"Right?","start":252.555,"end":253.055,"sentiment":"neutral","sentiment_score":-0.05365657061338425},{"text":"So that's the first the first reason why I'm retaining that.","start":254.33,"end":257.69,"sentiment":"neutral","sentiment_score":0.2045410004529086},{"text":"Now you'll see that in the investment fee, it's saving that $644 and $0.5.24, and I'll show you why in a second.","start":257.69,"end":264.99,"sentiment":"neutral","sentiment_score":0.29535268721255387}],"sentiment":"neutral","sentiment_score":-0.03462133498256465,"num_words":83,"start":237.14,"end":264.99},{"sentences":[{"text":"But when you look at the difference, the last column, you'll see the one thousand $735 between the the balances for the current and recommended.","start":265.37,"end":275.14502,"sentiment":"neutral","sentiment_score":0.09369235023856164},{"text":"Right?","start":275.20502,"end":275.70502,"sentiment":"neutral","sentiment_score":0.09665822982788086},{"text":"That's our capital gain.","start":276.565,"end":277.845,"sentiment":"neutral","sentiment_score":0.06279503460973501},{"text":"So I wanna make sure that you can see that we've actually taken out that initial crystallized CGT event.","start":277.845,"end":283.545,"sentiment":"neutral","sentiment_score":0.0898763227619623},{"text":"And if you look at everything else, nothing else really changes other than the adviser service fee, and that's $31 more expensive over the year.","start":284.41998,"end":293.87997,"sentiment":"neutral","sentiment_score":-0.2073269809782505}],"sentiment":"neutral","sentiment_score":-0.010613206320920505,"num_words":74,"start":265.37,"end":293.87997},{"sentences":[{"text":"And the reason for that is because in our calculations for your current, it's based at the the way that we do the numbers is we base it on what your current balance is over the twelve months for current.","start":294.18,"end":306.945,"sentiment":"neutral","sentiment_score":-0.048706124536693096},{"text":"But recommended, we expect you to grow a little bit.","start":307.325,"end":310.205,"sentiment":"neutral","sentiment_score":0.27970283627510073},{"text":"And that one point 65%, that that's where that extra little bit comes from.","start":310.205,"end":316.03,"sentiment":"neutral","sentiment_score":0.14169046974607877},{"text":"But if you go down to the five year rolling average between the console or aggregated return of Hub 24 and PSSAP, You'll see that overall outside of the initial capital gains tax, we are saving you point 18% in percentage fees, which is $613 over the year.","start":316.41,"end":339.705,"sentiment":"neutral","sentiment_score":0.23697149443129698},{"text":"And you'll see the growth rates increased by 2.34%.","start":340.16998,"end":343.94998,"sentiment":"positive","sentiment_score":0.3639700777000851}],"sentiment":"neutral","sentiment_score":0.14448605280769758,"num_words":121,"start":294.18,"end":343.94998},{"sentences":[{"text":"Now if we go down to the next page, we're looking at your lump sum or comparison in five years, lump sum comparison in ten years.","start":345.85,"end":356.245,"sentiment":"neutral","sentiment_score":0.07687231654731128},{"text":"At the correct.","start":357.025,"end":358.965,"sentiment":"neutral","sentiment_score":-0.017572651306788128},{"text":"And that's the beauty of compounding return.","start":359.025,"end":361.025,"sentiment":"neutral","sentiment_score":0.2996591776609421},{"text":"You know, 2% doesn't sound like much, but if you're looking at it over every year compounding up, it ends up being quite a lot snowball, you call it?","start":361.025,"end":370.36002,"sentiment":"neutral","sentiment_score":-0.016458363625509984},{"text":"Snowball effect.","start":370.36002,"end":371.34,"sentiment":"neutral","sentiment_score":0.0822316836565733}],"sentiment":"neutral","sentiment_score":0.05568279615089075,"num_words":67,"start":345.85,"end":371.34},{"sentences":[{"text":"So it's not quite at that 700,000 that we wanted to get to, but it's a hell of a lot closer.","start":372.12003,"end":377.42,"sentiment":"neutral","sentiment_score":0.0025163660092013223},{"text":"Okay.","start":377.72,"end":378.22,"sentiment":"neutral","sentiment_score":0.1138162761926651},{"text":"Correct.","start":379.16,"end":379.64,"sentiment":"positive","sentiment_score":0.35226958990097046},{"text":"And, I mean, look, the what I also like to point out is when you look at the those tables underneath your current aggregate portfolio, so this is the this is the return of the combined PSSAP for insurance purposes retention as well as the HUB 24.","start":379.64,"end":397.35,"sentiment":"neutral","sentiment_score":0.11483411364098813},{"text":"You can see the hub 24 portfolios outperformed the PSSAP every every kind of rolling average as well as the last twelve months.","start":397.43,"end":404.73,"sentiment":"neutral","sentiment_score":0.26029307168463}],"sentiment":"neutral","sentiment_score":0.12798788755010532,"num_words":93,"start":372.12003,"end":404.73},{"sentences":[{"text":"Okay?","start":405.11002,"end":405.51,"sentiment":"neutral","sentiment_score":0.14722265303134918},{"text":"But I wanna add them together and work out well, you're gonna be retaining both of them.","start":405.51,"end":409.99,"sentiment":"neutral","sentiment_score":0.3251354133381563},{"text":"So what would happen if we continue this way?","start":409.99,"end":413.10498,"sentiment":"neutral","sentiment_score":0.08048465020126766},{"text":"Right?","start":413.10498,"end":413.60498,"sentiment":"neutral","sentiment_score":0.09518643468618392},{"text":"So I I wanna point out that I did those returns for the five year and ten year.","start":414.465,"end":418.705,"sentiment":"neutral","sentiment_score":0.15893536433577538}],"sentiment":"neutral","sentiment_score":0.20336759835481644,"num_words":46,"start":405.11002,"end":418.705},{"sentences":[{"text":"We used a five year rolling average.","start":418.705,"end":421.125,"sentiment":"neutral","sentiment_score":0.11880610244614738},{"text":"And the reason why I do a five year rolling average is because it's the lowest amount, and it's the longest time horizon that's available for those investments.","start":421.345,"end":429.82,"sentiment":"neutral","sentiment_score":0.036320355853864124},{"text":"Okay?","start":430.28,"end":430.78,"sentiment":"neutral","sentiment_score":0.05247347056865692},{"text":"So, you know, we always wanna be more conservative than not.","start":431.47998,"end":435.25998,"sentiment":"neutral","sentiment_score":0.028142566708001224},{"text":"If we give you higher, fluffy numbers, I could use a three year return and get you to the 700,000.","start":435.47998,"end":441.195,"sentiment":"neutral","sentiment_score":0.105134392157197}],"sentiment":"neutral","sentiment_score":0.0643782422168931,"num_words":67,"start":418.705,"end":441.195},{"sentences":[{"text":"I don't wanna do that because I'd rather, you know, give you a lower amount now and try and exceed it rather than give you a high fluffy number and probably not quite reach it.","start":441.195,"end":449.515,"sentiment":"neutral","sentiment_score":-0.24604987970420292},{"text":"Right?","start":449.515,"end":450.015,"sentiment":"neutral","sentiment_score":-0.010025963187217712},{"text":"Yes.","start":451.11502,"end":451.61502,"sentiment":"positive","sentiment_score":0.4230144321918487},{"text":"So looking at that difference, it does get you a hell of a lot closer.","start":452.27,"end":455.89,"sentiment":"neutral","sentiment_score":0.2938814381758372},{"text":"But if you go on to the next page, I'll show you why.","start":456.43,"end":459.41,"sentiment":"neutral","sentiment_score":0.0872856814127702}],"sentiment":"neutral","sentiment_score":-0.040858798302136935,"num_words":65,"start":441.195,"end":459.41},{"sentences":[{"text":"K?","start":459.71,"end":460.19,"sentiment":"neutral","sentiment_score":0.053893111646175385},{"text":"The majority of the fee savings in your hub 24 so you can see p s s a p, my super ballast, that we're not changing.","start":460.19,"end":467.82498,"sentiment":"neutral","sentiment_score":-0.05334322330040427},{"text":"We're not buying or selling anything.","start":467.82498,"end":469.345,"sentiment":"negative","sentiment_score":-0.3478011041879654},{"text":"It's zero and yeah.","start":469.345,"end":471.82498,"sentiment":"neutral","sentiment_score":0.007768095005303625},{"text":"Correct.","start":471.82498,"end":472.305,"sentiment":"neutral","sentiment_score":0.16267704963684082}],"sentiment":"neutral","sentiment_score":-0.08489704972721245,"num_words":38,"start":459.71,"end":472.305},{"sentences":[{"text":"And but in hub 24, you'll see that we are selling the Global X battery tech lithium because it's had us run.","start":472.305,"end":480.66998,"sentiment":"neutral","sentiment_score":0.1588749805973335},{"text":"It's done incredibly well.","start":480.66998,"end":482.69,"sentiment":"positive","sentiment_score":0.6891383975744247},{"text":"You did have 5% in the initial recommendation.","start":482.91,"end":485.49,"sentiment":"neutral","sentiment_score":0.32657639496028423},{"text":"Now you see 8.64% of your portfolio.","start":485.55,"end":488.05,"sentiment":"neutral","sentiment_score":0.13684039882251195},{"text":"That's done well.","start":488.43,"end":489.15,"sentiment":"positive","sentiment_score":0.4944914976755778}],"sentiment":"neutral","sentiment_score":0.25694935472512787,"num_words":44,"start":472.305,"end":489.15},{"sentences":[{"text":"So it crystallized.","start":489.15,"end":489.94998,"sentiment":"neutral","sentiment_score":0.30381957689921063},{"text":"That's where these capital gains come from because you had a capital gain.","start":489.94998,"end":493.07,"sentiment":"neutral","sentiment_score":0.15678299161104056},{"text":"Right?","start":493.07,"end":493.55,"sentiment":"neutral","sentiment_score":0.0869150459766388},{"text":"You don't pay tax on that.","start":493.55,"end":495.305,"sentiment":"neutral","sentiment_score":-0.12209633986155193},{"text":"You the majority of your savings majority of your fees in savings, should I say, is coming from that Benelon Australian Equities Fund.","start":495.765,"end":504.825,"sentiment":"neutral","sentiment_score":-0.027714812763683174}],"sentiment":"neutral","sentiment_score":0.03622899858442986,"num_words":46,"start":489.15,"end":504.825},{"sentences":[{"text":"Now do you remember when I was telling you about that?","start":505.445,"end":507.70502,"sentiment":"neutral","sentiment_score":-0.04229853403839198},{"text":"Yeah.","start":509.9,"end":510.06,"sentiment":"neutral","sentiment_score":-0.31656062602996826},{"text":"The dodgy the dodgy in any section.","start":510.06,"end":513.52,"sentiment":"neutral","sentiment_score":-0.2914384582212993},{"text":"Yeah.","start":513.66003,"end":513.98,"sentiment":"neutral","sentiment_score":-0.07192893326282501},{"text":"Yeah.","start":513.98,"end":514.22003,"sentiment":"neutral","sentiment_score":-0.07611639052629471}],"sentiment":"neutral","sentiment_score":-0.14142662056145214,"num_words":21,"start":505.445,"end":514.22003},{"sentences":[{"text":"No.","start":514.22003,"end":514.38,"sentiment":"neutral","sentiment_score":-0.1685366928577423},{"text":"Well, they they are not.","start":514.38,"end":515.9,"sentiment":"neutral","sentiment_score":-0.22627179324626923},{"text":"That's the thing.","start":515.9,"end":516.62,"sentiment":"neutral","sentiment_score":-0.18269100785255432},{"text":"I wanna make sure that we differentiate it.","start":516.62,"end":519.12,"sentiment":"neutral","sentiment_score":-0.10006672516465187},{"text":"They just didn't the fund manager, Barqish, he ended up investing into a company that, honestly, on paper, looked perfectly fine.","start":519.26,"end":527.60504,"sentiment":"neutral","sentiment_score":-0.19503901969818843}],"sentiment":"neutral","sentiment_score":-0.1774821552006822,"num_words":38,"start":514.22003,"end":527.60504},{"sentences":[{"text":"But, like I said, it's it's it's not as ethical plays in the game, which is quite frustrating, especially when we're recommending the the goodwill and the, you know, the performance of a managed fund that we don't control.","start":527.905,"end":540.95,"sentiment":"negative","sentiment_score":-0.4531059028246464},{"text":"So I looked at do you remember when I talked about the SMA with BlackRock that we've teamed up with?","start":541.33,"end":547.35004,"sentiment":"neutral","sentiment_score":-0.0999199990183115},{"text":"So I'm not gonna recommend that.","start":548.53,"end":550.31,"sentiment":"negative","sentiment_score":-0.42745095988114673},{"text":"The reason for that is because the performance wasn't quite it wasn't really a product for you.","start":550.53,"end":555.465,"sentiment":"negative","sentiment_score":-0.47024410437135133},{"text":"At your agent stage, it just it it wasn't in your best interest, and that's all we kind of need to look at.","start":556.885,"end":563.945,"sentiment":"neutral","sentiment_score":-0.3158499838217445}],"sentiment":"negative","sentiment_score":-0.3570755747812135,"num_words":105,"start":527.905,"end":563.945},{"sentences":[{"text":"Now I'm also selling out of cyber security.","start":564.005,"end":566.69995,"sentiment":"neutral","sentiment_score":-0.26917993649840355},{"text":"I'm actually gonna increase your gold exposure because the markets are extremely extremely overpriced at the moment, and gold is what we consider a safe haven.","start":566.83997,"end":576.13995,"sentiment":"neutral","sentiment_score":0.046321735788996406},{"text":"The goal is the safe haven.","start":576.6,"end":577.72,"sentiment":"neutral","sentiment_score":0.25074303150177},{"text":"You know, when market's full, gold goes up.","start":577.72,"end":579.645,"sentiment":"neutral","sentiment_score":0.17241905257105827},{"text":"We're gonna just increase your exposure not by much, only by about just just under 2%, by about $5.","start":579.805,"end":585.42505,"sentiment":"neutral","sentiment_score":0.14931522701915942}],"sentiment":"neutral","sentiment_score":0.07121978449954916,"num_words":67,"start":564.005,"end":585.42505},{"sentences":[{"text":"Make it 10% in gold.","start":585.645,"end":587.265,"sentiment":"neutral","sentiment_score":0.18803556859493256},{"text":"We're gonna sell out of your Australian bankable hybrids, so those are hybrid bonds, and we're going to add more exposure into Europe.","start":587.325,"end":597.07,"sentiment":"neutral","sentiment_score":0.0957282796178175},{"text":"You don't have any European shares at the moment, but Europe's fine.","start":597.07,"end":599.87,"sentiment":"neutral","sentiment_score":0.037865528060744204},{"text":"We're seeing some good traction in Europe as well as very more importantly, Japan, the Nikkei.","start":599.87,"end":605.73,"sentiment":"neutral","sentiment_score":0.22328893188387156},{"text":"Japan's this funny funny funny thing.","start":607.025,"end":610.405,"sentiment":"neutral","sentiment_score":0.17914571364720663}],"sentiment":"neutral","sentiment_score":0.13296470649900935,"num_words":62,"start":585.645,"end":610.405},{"sentences":[{"text":"We have seen Japan it's it's it's a very intergenerational culture as a whole.","start":611.34503,"end":619.025,"sentiment":"neutral","sentiment_score":0.18413053133658},{"text":"You know what I mean?","start":619.025,"end":619.98505,"sentiment":"neutral","sentiment_score":0.10981930643320084},{"text":"They they as a as a culture, they they they're essentially planning for future generations, and they've been doing so forever.","start":619.98505,"end":627.94,"sentiment":"neutral","sentiment_score":0.12534210103608312},{"text":"And it feels like we've always kept our eye on Japan than the guy in the Japanese market.","start":628.56,"end":634.9,"sentiment":"neutral","sentiment_score":0.10517087206244469},{"text":"And we it's the the look, the GDP has just continuously gone down.","start":636.585,"end":641.005,"sentiment":"neutral","sentiment_score":0.042712003279190794}],"sentiment":"neutral","sentiment_score":0.11559774411815993,"num_words":71,"start":611.34503,"end":641.005},{"sentences":[{"text":"And the if you look at the overall kind of index pricing point, it's very undervalued, but it's for some reason, it just continued to go further, further undervalued.","start":641.305,"end":651.89,"sentiment":"neutral","sentiment_score":-0.07078824050981423},{"text":"That means you'd lose money.","start":652.43,"end":653.89,"sentiment":"neutral","sentiment_score":-0.11804063767194747},{"text":"But we're starting to see a turnaround, and it's almost like the all the the foundational work from past generations are really picking up and realizing those gains now.","start":654.19,"end":665.135,"sentiment":"neutral","sentiment_score":0.13054258830178977},{"text":"So we wanna take advantage of that.","start":665.135,"end":667.375,"sentiment":"neutral","sentiment_score":0.11670616694859096},{"text":"Not taking too much exposure, only 5% of your overall assets in that, which in HOP '24, should I say, is a little bit less than 5%.","start":667.375,"end":676.835,"sentiment":"neutral","sentiment_score":-0.09567046896726997}],"sentiment":"neutral","sentiment_score":-0.006427696864624729,"num_words":97,"start":641.305,"end":676.835},{"sentences":[{"text":"But it's I think it's worth the bet.","start":677.18,"end":679.27997,"sentiment":"neutral","sentiment_score":0.13857307750731707},{"text":"Beautiful.","start":681.42,"end":681.92,"sentiment":"positive","sentiment_score":0.6058611869812012},{"text":"Yeah.","start":683.89996,"end":684.39996,"sentiment":"neutral","sentiment_score":0.2523522973060608},{"text":"Well, we try our best.","start":684.94,"end":685.98,"sentiment":"neutral","sentiment_score":0.2979618191719055},{"text":"We've been doing pretty good as you can see from the past returns that Keep in mind, past performance is no indication of future performance.","start":685.98,"end":692.655,"sentiment":"neutral","sentiment_score":0.18178820803761483}],"sentiment":"neutral","sentiment_score":0.20003281002864243,"num_words":40,"start":677.18,"end":692.655},{"sentences":[{"text":"I I don't I don't have a crystal ball.","start":692.795,"end":696.255,"sentiment":"neutral","sentiment_score":-0.12673626260624993},{"text":"If you have one, please, yeah, please let me know.","start":697.435,"end":699.595,"sentiment":"neutral","sentiment_score":-0.03576580956578255},{"text":"That'll be amazing.","start":699.595,"end":700.495,"sentiment":"positive","sentiment_score":0.7283352017402649},{"text":"Make my job a lot easier with both the sipping pina coladas on the beaches somewhere around the world.","start":700.555,"end":706.57,"sentiment":"positive","sentiment_score":0.3882857721887137},{"text":"Yep.","start":707.03,"end":707.53,"sentiment":"neutral","sentiment_score":-0.023953992873430252}],"sentiment":"neutral","sentiment_score":0.19143325773378214,"num_words":42,"start":692.795,"end":707.53},{"sentences":[{"text":"But, yeah, we don't.","start":708.15,"end":709.35004,"sentiment":"neutral","sentiment_score":-0.21684801578521729},{"text":"So and any asset manager that tells you that they do have an idea on what's gonna happen, they are blatantly lying to you.","start":709.35004,"end":715.59,"sentiment":"negative","sentiment_score":-0.46830252061287564},{"text":"You not trust them at all.","start":715.59,"end":717.70496,"sentiment":"negative","sentiment_score":-0.5725037505229315},{"text":"You're I'm selling out of Australian property.","start":719.44495,"end":721.70496,"sentiment":"neutral","sentiment_score":-0.19282722898891994},{"text":"And the reason for that is because you look around, so it's pretty expensive to get into the property market, especially commercial space as well.","start":722.56494,"end":730.40497,"sentiment":"neutral","sentiment_score":-0.17925071090459824}],"sentiment":"neutral","sentiment_score":-0.323829294492801,"num_words":66,"start":708.15,"end":730.40497},{"sentences":[{"text":"Okay?","start":730.40497,"end":730.805,"sentiment":"neutral","sentiment_score":-0.09103799611330032},{"text":"So now they're all saying buy low, sell high.","start":730.805,"end":733.82,"sentiment":"neutral","sentiment_score":-0.12349605311950047},{"text":"We're selling high and we're new.","start":734.2,"end":736.52,"sentiment":"neutral","sentiment_score":-0.1306223620971044},{"text":"You know, we don't wanna take that kind of risk because it might be a bit of a debt.","start":736.52,"end":740.28,"sentiment":"neutral","sentiment_score":-0.21422195277715983},{"text":"So why invest in it?","start":740.28,"end":741.74005,"sentiment":"neutral","sentiment_score":-0.028244717791676522}],"sentiment":"neutral","sentiment_score":-0.15494193346239626,"num_words":40,"start":730.40497,"end":741.74005},{"sentences":[{"text":"K.","start":742.04004,"end":742.54004,"sentiment":"neutral","sentiment_score":0.013596920296549795},{"text":"We you'll notice that we're increasing your core composite bonds.","start":743.80005,"end":747.375,"sentiment":"neutral","sentiment_score":0.04731778558343649},{"text":"IAF is the thicker code.","start":747.615,"end":749.395,"sentiment":"neutral","sentiment_score":0.030434081703424452},{"text":"That is the it's an I shares of BlackRock product.","start":749.855,"end":752.675,"sentiment":"neutral","sentiment_score":0.019790119118988515},{"text":"That's in the big four banks in Australia, essentially.","start":754.095,"end":756.915,"sentiment":"neutral","sentiment_score":0.020300287442902725}],"sentiment":"neutral","sentiment_score":0.02912997036640133,"num_words":35,"start":742.04004,"end":756.915},{"sentences":[{"text":"They yeah.","start":757.455,"end":758.575,"sentiment":"neutral","sentiment_score":0.020078768022358414},{"text":"Yeah.","start":758.575,"end":758.815,"sentiment":"neutral","sentiment_score":0.03261778503656387},{"text":"There's just very stable triple a rated bank bill bonds.","start":758.815,"end":764.16003,"sentiment":"neutral","sentiment_score":0.04914897456765175},{"text":"So, yeah, you're gonna get paid out dividends from that and by way of income.","start":764.46,"end":768.72003,"sentiment":"neutral","sentiment_score":0.03998876412709554},{"text":"And if you go down, we're gonna add some exposure.","start":769.98,"end":772.96,"sentiment":"neutral","sentiment_score":0.006518075862550177}],"sentiment":"neutral","sentiment_score":0.03234940229709824,"num_words":38,"start":757.455,"end":772.96},{"sentences":[{"text":"You'll see that we are actually changing your Rappi Australian top two.","start":773.34,"end":778.77496,"sentiment":"neutral","sentiment_score":0.024101162639756996},{"text":"So the there's a difference between a the beta shares, the keywords.","start":778.77496,"end":783.27496,"sentiment":"neutral","sentiment_score":0.008393435583760342},{"text":"So beta shares Rappi Australian 200.","start":783.89496,"end":786.39496,"sentiment":"neutral","sentiment_score":0.018318247981369495},{"text":"We're selling now that, and we're gonna take about 20% exposure into the BetaShares straight Australian 200.","start":787.51,"end":794.01,"sentiment":"neutral","sentiment_score":0.02697490802144303},{"text":"Reason yeah.","start":794.14996,"end":795.35,"sentiment":"neutral","sentiment_score":0.01338720228523016}],"sentiment":"neutral","sentiment_score":0.020105969540926874,"num_words":49,"start":773.34,"end":795.35},{"sentences":[{"text":"That's the bottom asset.","start":795.35,"end":796.64996,"sentiment":"neutral","sentiment_score":0.02055266872048378},{"text":"So the reason there's the reasoning behind that is do you know what the RAFI index is?","start":796.95,"end":800.79,"sentiment":"neutral","sentiment_score":0.0014050996259731404},{"text":"Do you know what it kind of power works for?","start":800.79,"end":802.885,"sentiment":"neutral","sentiment_score":-0.00907971616834402},{"text":"Do do you do you wanna know, or does it not really matter?","start":802.885,"end":805.945,"sentiment":"neutral","sentiment_score":-0.02535328197364624},{"text":"It's pretty interesting.","start":807.125,"end":808.185,"sentiment":"neutral","sentiment_score":0.13280354936917624}],"sentiment":"neutral","sentiment_score":0.0017897487083014022,"num_words":47,"start":795.35,"end":808.185},{"sentences":[{"text":"Yeah.","start":814.74,"end":815.06,"sentiment":"neutral","sentiment_score":0.022204464301466945},{"text":"No.","start":815.06,"end":815.3,"sentiment":"neutral","sentiment_score":-0.0882725864648819},{"text":"It's well, I mean, it's your money.","start":815.3,"end":817.06,"sentiment":"neutral","sentiment_score":-0.09814927194799695},{"text":"You know?","start":817.06,"end":817.22,"sentiment":"neutral","sentiment_score":-0.055642351508140564},{"text":"At the end of the day, we're managing your money, and it pulls my money.","start":817.22,"end":820.68,"sentiment":"neutral","sentiment_score":-0.060910822451114656}],"sentiment":"neutral","sentiment_score":-0.06838692559932287,"num_words":26,"start":814.74,"end":820.68},{"sentences":[{"text":"I would want to know what what I'm putting what what somebody's putting my money in and why.","start":820.98,"end":826.28,"sentiment":"neutral","sentiment_score":-0.1631923442085584},{"text":"You know what I mean?","start":826.9,"end":827.94,"sentiment":"neutral","sentiment_score":0.020415808632969858},{"text":"So when you're looking at rapid index, it's almost like a so in index funds, which is, say, your IVV, your S and P, ISHES, S and P 500, how an index works as a whole is when you say, look at the top 500 companies in America.","start":827.94,"end":845.8,"sentiment":"neutral","sentiment_score":0.034802469851759575},{"text":"Right?","start":846.26,"end":846.42,"sentiment":"neutral","sentiment_score":0.019024554640054703},{"text":"It's let's say, I think, NVIDIA is the largest.","start":846.42,"end":849.72,"sentiment":"neutral","sentiment_score":-0.002273800217962061}],"sentiment":"neutral","sentiment_score":-0.014398817864522793,"num_words":81,"start":820.98,"end":849.72},{"sentences":[{"text":"It's got about it's worth about five point, you know, for $5,000,000,000,000 at the moment is the current value of that company huge.","start":850.1,"end":858.645,"sentiment":"neutral","sentiment_score":-0.015048396328221197},{"text":"Now but the the let's just say the I think the S and P is worth about 45.","start":859.34503,"end":866.705,"sentiment":"neutral","sentiment_score":-0.013355174515810277},{"text":"So just for number's sakes, let's say 50,000,000,000,000 dollars is EAs in the overall market.","start":866.705,"end":872.5,"sentiment":"neutral","sentiment_score":0.02817528657615185},{"text":"And as an index, if you wanted to invest, say, a $100 of your money, okay, into the S and P 500 index, then you would be looking at buying it in line with what the market capitalization is all the way down to the 500.","start":872.96,"end":889.135,"sentiment":"neutral","sentiment_score":0.05749783924092417},{"text":"And I think it's 504, 505 constituents.","start":889.135,"end":891.555,"sentiment":"neutral","sentiment_score":0.036569277090685706}],"sentiment":"neutral","sentiment_score":0.025110170518586394,"num_words":109,"start":850.1,"end":891.555},{"sentences":[{"text":"So if NVIDIA's worth 5,000,000,000,000 of the 50,000,000,000,000, that's 10%.","start":892.09503,"end":895.875,"sentiment":"neutral","sentiment_score":0.03732039984315634},{"text":"So that means $10,000, 10% of your 100,000 will be invested into that Nvidia stock.","start":896.255,"end":901.97003,"sentiment":"neutral","sentiment_score":0.1111265520254771},{"text":"And then it will go to the next one, which I believe is somewhere like Apple maybe.","start":901.97003,"end":906.39,"sentiment":"neutral","sentiment_score":0.04682107554639087},{"text":"Apple, Google, Microsoft, Amazon, those big players.","start":906.85004,"end":909.57,"sentiment":"neutral","sentiment_score":0.03453522175550461},{"text":"It will go into the next one, then it'll go slowly go all the way down to the 500 constituent.","start":909.57,"end":914.705,"sentiment":"neutral","sentiment_score":0.040319920424371956}],"sentiment":"neutral","sentiment_score":0.05629283367939617,"num_words":69,"start":892.09503,"end":914.705},{"sentences":[{"text":"And there's a benefit for that.","start":915.005,"end":916.285,"sentiment":"positive","sentiment_score":0.5405299365520477},{"text":"It's really good investment over the long term.","start":916.285,"end":918.545,"sentiment":"positive","sentiment_score":0.8029569685459137},{"text":"The reason for that is because, you know, NVIDIA used to be the five hundredth largest company.","start":919.005,"end":924.465,"sentiment":"neutral","sentiment_score":0.21434040236122467},{"text":"And that means that you've been holding shares all the way at that lower value of what the share price was worth.","start":924.98004,"end":930.52,"sentiment":"neutral","sentiment_score":0.19554239037362012},{"text":"All the way up.","start":931.30005,"end":932.26,"sentiment":"positive","sentiment_score":0.35627903044223785}],"sentiment":"positive","sentiment_score":0.33399422662822825,"num_words":57,"start":915.005,"end":932.26},{"sentences":[{"text":"And the more it grows, the more you kinda buy more, and it double cost average all the way up.","start":932.26,"end":936.58,"sentiment":"positive","sentiment_score":0.409440940618515},{"text":"That's why it's such a good investment.","start":936.58,"end":938.04004,"sentiment":"positive","sentiment_score":0.5903439734663282},{"text":"Now the RAPI index, it's it's it's it's for the the specific share.","start":938.625,"end":944.885,"sentiment":"neutral","sentiment_score":0.06604728446556972},{"text":"It's changing from the QoS to the a 200.","start":945.105,"end":947.925,"sentiment":"neutral","sentiment_score":0.04285539252062639},{"text":"So QoS, the RAPI index is is is takes in almost like an economist approach where it doesn't just invest as per that index approach I explained before.","start":948.065,"end":957.1,"sentiment":"neutral","sentiment_score":0.024147770916377858}],"sentiment":"neutral","sentiment_score":0.18495684990949637,"num_words":77,"start":932.26,"end":957.1},{"sentences":[{"text":"What what happens is they look more into the fundamentals of how companies are doing.","start":957.24,"end":962.94,"sentiment":"neutral","sentiment_score":0.013020313158631325},{"text":"So a good example is Netflix.","start":963.24,"end":965.325,"sentiment":"neutral","sentiment_score":0.03177529666572809},{"text":"Right?","start":965.72504,"end":965.965,"sentiment":"neutral","sentiment_score":0.03898044303059578},{"text":"Netflix used to be I think it was, like, twentieth or eighteenth largest company on the planet, right, in America.","start":965.965,"end":973.265,"sentiment":"neutral","sentiment_score":0.022847739700227975},{"text":"So that means it would be the twentieth or eighteenth, somewhere around that largest holding of your example, the $100.","start":973.325,"end":980.87,"sentiment":"neutral","sentiment_score":0.042198048625141385}],"sentiment":"neutral","sentiment_score":0.027836333659868085,"num_words":62,"start":957.24,"end":980.87},{"sentences":[{"text":"Right?","start":980.87,"end":981.37,"sentiment":"neutral","sentiment_score":0.027691954746842384},{"text":"But if you look at the balance sheets for five years in a row, net Netflix didn't make a profit.","start":981.67,"end":988.25,"sentiment":"neutral","sentiment_score":-0.1685413310304284},{"text":"So it's not a great share to buy.","start":989.02997,"end":990.63,"sentiment":"neutral","sentiment_score":-0.2742837108671665},{"text":"It's just kind of hyped up on social bias.","start":990.63,"end":993.315,"sentiment":"neutral","sentiment_score":-0.26204197936587864},{"text":"Right?","start":993.555,"end":994.055,"sentiment":"neutral","sentiment_score":-0.06967649608850479}],"sentiment":"neutral","sentiment_score":-0.20424252982514027,"num_words":39,"start":980.87,"end":994.055},{"sentences":[{"text":"So it would still be considered in the RAFI index, but it wouldn't be the twentieth largest holding like a normal index.","start":994.355,"end":1001.235,"sentiment":"neutral","sentiment_score":-0.04807263388383118},{"text":"It would be maybe the fifteenth or something like that.","start":1001.235,"end":1004.055,"sentiment":"neutral","sentiment_score":-0.040194805897772315},{"text":"Does that make sense?","start":1004.275,"end":1005.155,"sentiment":"neutral","sentiment_score":0.003695105202496052},{"text":"So it looks more into the fundamentals of the actual companies themselves and allocate it that way.","start":1005.155,"end":1010.24005,"sentiment":"neutral","sentiment_score":-0.008914234993212363},{"text":"It was it was created by an economist Indian economist back in the day.","start":1010.24005,"end":1014.28,"sentiment":"neutral","sentiment_score":-0.016701578561748778}],"sentiment":"neutral","sentiment_score":-0.02731536833374803,"num_words":67,"start":994.355,"end":1014.28},{"sentences":[{"text":"And it says it's a good investment, but we are seeing it it's quite expensive for that investment.","start":1014.28,"end":1021.82,"sentiment":"neutral","sentiment_score":-0.18425694584018654},{"text":"So, therefore, the a 200, the BetaShares Australia 200, is, again, it's just changing straight to the flat index again.","start":1022.2,"end":1029.845,"sentiment":"neutral","sentiment_score":0.008678440842777491},{"text":"And we are seeing that the Australian dollar is actually quite strong compared to the wars and everything going on overseas.","start":1030.225,"end":1037.525,"sentiment":"neutral","sentiment_score":0.0016126286770616258},{"text":"So for that reason, we, you know, we can save some money in fees.","start":1037.585,"end":1041.6399,"sentiment":"neutral","sentiment_score":0.2603599854878017},{"text":"And not only that, we can still have exposure to domestic equities in an index style.","start":1041.7799,"end":1046.7599,"sentiment":"neutral","sentiment_score":0.16077334713190794}],"sentiment":"neutral","sentiment_score":0.034923846571800414,"num_words":89,"start":1014.28,"end":1046.7599},{"sentences":[{"text":"So that's that's pretty much where we at.","start":1047.3799,"end":1049.2999,"sentiment":"positive","sentiment_score":0.40328802168369293},{"text":"And then I wanted to take a little bit of 8% exposure, which is the Vanguard View, v e u.","start":1049.2999,"end":1055.8949,"sentiment":"neutral","sentiment_score":0.13839949294924736},{"text":"And we call it View because it's the all world outside of The US.","start":1056.0349,"end":1060.7749,"sentiment":"neutral","sentiment_score":0.09593717035438333},{"text":"So so the the the that's the last one I'm gonna talk about because it's important.","start":1061.715,"end":1066.695,"sentiment":"neutral","sentiment_score":0.03978951252065599},{"text":"When you're looking at the the overall if you take every stock exchange around the world and you add them all together, the American market, which consists of the S and P five hundred the S and P five hundred, sorry, Consists of the New York Stock Exchange, Nasdaq, Dow Jones, CBOE.","start":1068.1901,"end":1085.0449,"sentiment":"neutral","sentiment_score":0.00989909921414577}],"sentiment":"neutral","sentiment_score":0.07717090706256304,"num_words":110,"start":1047.3799,"end":1085.0449},{"sentences":[{"text":"There's a lot of different exchanges throughout America.","start":1085.585,"end":1089.2849,"sentiment":"neutral","sentiment_score":0.019265000009909272},{"text":"Whereas, let's say, for example, Australia, we've got the ASX and the NSX, the Australian Stock Exchange, National Stock Exchange.","start":1091.105,"end":1097.18,"sentiment":"neutral","sentiment_score":0.02970634485827759},{"text":"That's it.","start":1097.64,"end":1098.46,"sentiment":"neutral","sentiment_score":0.028650077059864998},{"text":"Right?","start":1099.08,"end":1099.4,"sentiment":"neutral","sentiment_score":0.03651607036590576},{"text":"America's got, like, I think, something like 25, 30 different exchanges.","start":1099.4,"end":1103.58,"sentiment":"neutral","sentiment_score":0.0116474200040102}],"sentiment":"neutral","sentiment_score":0.023099636708918427,"num_words":42,"start":1085.585,"end":1103.58},{"sentences":[{"text":"So if you add all the world's listed companies into one big pool, America makes up about 61% of it.","start":1103.72,"end":1112.3651,"sentiment":"neutral","sentiment_score":0.08660540040582418},{"text":"K?","start":1113.545,"end":1113.8651,"sentiment":"neutral","sentiment_score":0.016162753105163574},{"text":"So there's a good saying is if America sneezes, the rest of the world captures the cold.","start":1113.8651,"end":1118.2051,"sentiment":"neutral","sentiment_score":-0.13380941332263105},{"text":"Right?","start":1119.0651,"end":1119.5651,"sentiment":"neutral","sentiment_score":-0.026825495064258575},{"text":"And that's it's so true because if America overnight falls and collapses by, like, 10%, let's say, or 5%, the rest of the world you see usually goes down.","start":1119.785,"end":1128.8099,"sentiment":"neutral","sentiment_score":-0.2655646464434163}],"sentiment":"neutral","sentiment_score":-0.12139249275274136,"num_words":68,"start":1103.72,"end":1128.8099},{"sentences":[{"text":"Right?","start":1129.11,"end":1129.61,"sentiment":"neutral","sentiment_score":-0.054516468197107315},{"text":"Because people get scared, and that's because of that exact nature of it.","start":1129.99,"end":1133.59,"sentiment":"negative","sentiment_score":-0.43561431765556335},{"text":"When they sneeze, everyone else kinda gets a little bit of a cold from it.","start":1133.59,"end":1137.5299,"sentiment":"negative","sentiment_score":-0.4722104907035828},{"text":"So what I wanted to do was take a little bit of we needed to get out of out of a concentration of America, and that that's solely because if you're looking at the S and P 500, your IVP, you got 30% of your holdings is in that, which is America.","start":1138.065,"end":1154.08,"sentiment":"neutral","sentiment_score":0.039599982591775745},{"text":"Your if you're looking at, you know, physical gold, that gold is it's all around the world.","start":1154.7,"end":1161.44,"sentiment":"neutral","sentiment_score":0.046246243421645725}],"sentiment":"neutral","sentiment_score":-0.10158443597278424,"num_words":98,"start":1129.11,"end":1161.44},{"sentences":[{"text":"I'm trying to diversify away from whole America, especially with the volatility going on and everything being so overvalued.","start":1161.66,"end":1168.895,"sentiment":"neutral","sentiment_score":-0.07308506225480844},{"text":"K?","start":1170.395,"end":1170.7151,"sentiment":"neutral","sentiment_score":0.05312599614262581},{"text":"So Vanguard View is the view of the whole world, like I said, in the big pool, but just take out the 61%, which is America.","start":1170.7151,"end":1177.7151,"sentiment":"neutral","sentiment_score":0.13931092304679063},{"text":"So it takes advantage of all sorts of emerging markets, India, China, or everywhere outside of America, which is a good it's actually a good place to be, especially when you're looking at, you know, the the Donald Trump's and the policies coming out and a few of the few of the thing.","start":1177.7151,"end":1198.655,"sentiment":"neutral","sentiment_score":0.2789566141887094},{"text":"Yeah.","start":1199.035,"end":1199.535,"sentiment":"neutral","sentiment_score":0.017743729054927826}],"sentiment":"neutral","sentiment_score":0.17089038093574346,"num_words":100,"start":1161.66,"end":1199.535},{"sentences":[{"text":"Yeah.","start":1199.915,"end":1200.235,"sentiment":"neutral","sentiment_score":0.04300438240170479},{"text":"Exactly.","start":1200.235,"end":1200.715,"sentiment":"neutral","sentiment_score":0.04579557105898857},{"text":"And you're already taking it at 30 exposure of your portfolio in it.","start":1200.715,"end":1204.635,"sentiment":"neutral","sentiment_score":0.004569930239365651},{"text":"So let's try and get a different view.","start":1204.635,"end":1207.775,"sentiment":"neutral","sentiment_score":-0.02234954759478569},{"text":"I'm such a nerd.","start":1208.6,"end":1209.5,"sentiment":"neutral","sentiment_score":-0.22941752895712852}],"sentiment":"neutral","sentiment_score":-0.03512064629682788,"num_words":27,"start":1199.915,"end":1209.5},{"sentences":[{"text":"I'm such a nerd.","start":1209.56,"end":1210.36,"sentiment":"neutral","sentiment_score":-0.20896094664931297},{"text":"I'm sorry.","start":1210.36,"end":1211.1,"sentiment":"neutral","sentiment_score":-0.1660780906677246},{"text":"Yeah.","start":1212.2001,"end":1212.7001,"sentiment":"neutral","sentiment_score":-0.04250040650367737},{"text":"Yeah.","start":1213.0801,"end":1213.3201,"sentiment":"neutral","sentiment_score":0.0008357763290405273},{"text":"But yeah.","start":1213.3201,"end":1214.4401,"sentiment":"neutral","sentiment_score":-0.005708757787942886}],"sentiment":"neutral","sentiment_score":-0.12210821136832237,"num_words":10,"start":1209.56,"end":1214.4401},{"sentences":[{"text":"So you get yeah.","start":1214.4401,"end":1215.56,"sentiment":"neutral","sentiment_score":0.011146766599267721},{"text":"V u, Vanguard or WorldX US, you get a different view of the scope.","start":1215.56,"end":1219.5,"sentiment":"neutral","sentiment_score":0.028899359117661203},{"text":"And that that portfolio, essentially, if you if you invested in that portfolio five years ago, you would have achieved 11.39% on average every year instead of eight point 9%.","start":1219.72,"end":1232.985,"sentiment":"neutral","sentiment_score":0.09635033781329791},{"text":"Yeah.","start":1232.985,"end":1233.485,"sentiment":"neutral","sentiment_score":0.11047601699829102},{"text":"But you'll notice that, you know, over three years, it's larger, but over five over twelve months as well, it's larger as well.","start":1233.625,"end":1240.4099,"sentiment":"neutral","sentiment_score":0.08530875246809877}],"sentiment":"neutral","sentiment_score":0.07517035489177538,"num_words":72,"start":1214.4401,"end":1240.4099},{"sentences":[{"text":"And that's just you know, it's we we can't always nail it every time, but, hey, it's at least you you know, in the last three years, your portfolio grew by 12 almost 13% every year compared to PSSAP's nine nine point nine, so almost 10.","start":1240.4099,"end":1256.4349,"sentiment":"neutral","sentiment_score":0.11906887690091263},{"text":"You know, that's what we we wanna try and get about 3% more than what your what our competitors are doing.","start":1256.815,"end":1262.095,"sentiment":"neutral","sentiment_score":0.2131697634855906},{"text":"Over the five years, you can see it's more than that.","start":1262.095,"end":1264.975,"sentiment":"neutral","sentiment_score":0.1899305209517479},{"text":"It's closer to 5% better off.","start":1264.975,"end":1267.59,"sentiment":"neutral","sentiment_score":0.17509854833285013},{"text":"Does that all make sense?","start":1269.57,"end":1270.69,"sentiment":"neutral","sentiment_score":0.07070031389594078}],"sentiment":"neutral","sentiment_score":0.15109058382680243,"num_words":89,"start":1240.4099,"end":1270.69},{"sentences":[{"text":"Or no.","start":1270.69,"end":1274.93,"sentiment":"neutral","sentiment_score":0.061966750770807266},{"text":"That's right.","start":1274.93,"end":1275.75,"sentiment":"neutral","sentiment_score":0.16372628509998322},{"text":"That's my job.","start":1276.69,"end":1277.49,"sentiment":"neutral","sentiment_score":0.20852477351824442},{"text":"I hope so.","start":1277.49,"end":1278.39,"sentiment":"neutral","sentiment_score":0.18841425577799478},{"text":"Now on page 18, this is what we call unveiling the portfolio.","start":1280.065,"end":1284.8049,"sentiment":"neutral","sentiment_score":0.06303158029913902}],"sentiment":"neutral","sentiment_score":0.10902646014636214,"num_words":22,"start":1270.69,"end":1284.8049},{"sentences":[{"text":"So this is what it looks like.","start":1285.345,"end":1286.965,"sentiment":"neutral","sentiment_score":0.05341845058969089},{"text":"You know?","start":1287.105,"end":1287.585,"sentiment":"neutral","sentiment_score":0.02997914981096983},{"text":"So out of all those different assets, all the reds and the greens and all the different portfolios and percentages and whatever else, what is it actually invested in?","start":1287.585,"end":1296.25,"sentiment":"neutral","sentiment_score":0.049467169968732475},{"text":"So with that pie chart, if you look at the way, that's how your portfolio we we wanna diversify.","start":1297.51,"end":1302.41,"sentiment":"neutral","sentiment_score":0.1031998999808964},{"text":"Now you'll see that in your Australian equity section, your existing international equities property as well as alternative growth assets, which is essentially that gold, with your growth total, you'll see that you're currently taking 82.74% worth of growth assertive assets, which is volatility.","start":1304.47,"end":1326.22,"sentiment":"neutral","sentiment_score":0.06933057629926638}],"sentiment":"neutral","sentiment_score":0.0681166221747304,"num_words":101,"start":1285.345,"end":1326.22},{"sentences":[{"text":"That's they can go up and down quite quite quickly.","start":1326.52,"end":1329.02,"sentiment":"neutral","sentiment_score":-0.09192180708050728},{"text":"Whereas the defensive assets are fixed interest bonds, fixed credit, stuff like that, as well as cash, we are reducing that fixed interest down to 13.91%.","start":1329.96,"end":1343.5549,"sentiment":"neutral","sentiment_score":0.014930295399748363},{"text":"So, essentially, you know, you're looking at increasing your risk by about three two and a half percent.","start":1344.575,"end":1350.97,"sentiment":"neutral","sentiment_score":-0.09844311450918515},{"text":"K?","start":1351.59,"end":1351.91,"sentiment":"neutral","sentiment_score":-0.01380035188049078},{"text":"So I wanna make that clear.","start":1351.91,"end":1353.77,"sentiment":"neutral","sentiment_score":-0.007255085123082002}],"sentiment":"neutral","sentiment_score":-0.038694054331080835,"num_words":61,"start":1326.52,"end":1353.77},{"sentences":[{"text":"So there is a tiny bit more risk, but like I said before, in line with your risk profile of being growth Yeah.","start":1353.83,"end":1360.63,"sentiment":"neutral","sentiment_score":-0.06085210358319075},{"text":"For a six six year approximate time horizon, your you know, you've got more than six years.","start":1360.95,"end":1366.9751,"sentiment":"neutral","sentiment_score":0.00870022747446509},{"text":"So six years is considered a good time horizon for a growth portfolio.","start":1366.9751,"end":1370.1151,"sentiment":"neutral","sentiment_score":0.08073448447080758},{"text":"That means that if you look at past performance, that no time in a eighty five fifteen portfolio would you have ever been down with that kind of risk profile.","start":1370.4951,"end":1383.24,"sentiment":"neutral","sentiment_score":-0.01968559759358565},{"text":"So that that comes to risk tolerance.","start":1383.46,"end":1385.46,"sentiment":"neutral","sentiment_score":-0.007608119930539813}],"sentiment":"neutral","sentiment_score":-0.009399677606092558,"num_words":90,"start":1353.83,"end":1385.46},{"sentences":[{"text":"So do you have the tolerance to be able to make money back after a significant event, like GFC is good example.","start":1385.46,"end":1394.655,"sentiment":"neutral","sentiment_score":0.2447732582011006},{"text":"There's a great, great chart.","start":1396.955,"end":1398.475,"sentiment":"positive","sentiment_score":0.6800572276115417},{"text":"It's called an Andex chart, a n d e x.","start":1398.475,"end":1401.375,"sentiment":"neutral","sentiment_score":0.32944793403148653},{"text":"You can actually type it in if you are interested, and you can see the growth of different assets.","start":1402.315,"end":1408.015,"sentiment":"neutral","sentiment_score":0.2760378012531682},{"text":"I think there's the index shows the Australian index, and it's from eight from 1950 up until 2025.","start":1409.0901,"end":1416.39,"sentiment":"neutral","sentiment_score":0.16859651398327616}],"sentiment":"neutral","sentiment_score":0.27512476532845886,"num_words":74,"start":1385.46,"end":1416.39},{"sentences":[{"text":"So '70 so seventy five year time horizon shows the growth of Australian shares, international shares, or US shares.","start":1416.53,"end":1423.8301,"sentiment":"neutral","sentiment_score":0.16911852477412476},{"text":"Shows the average return over that 75.","start":1424.245,"end":1428.1649,"sentiment":"neutral","sentiment_score":0.27599177190235685},{"text":"If you're interested, it's pretty pretty cool.","start":1428.1649,"end":1430.245,"sentiment":"positive","sentiment_score":0.5808445130075727},{"text":"You just go are you in front of a computer now?","start":1430.245,"end":1432.485,"sentiment":"neutral","sentiment_score":0.19342726401307367},{"text":"Or open up a new tab and just type in a n d e x chart.","start":1432.485,"end":1439.67,"sentiment":"neutral","sentiment_score":0.050650127697736025}],"sentiment":"neutral","sentiment_score":0.20248679853975773,"num_words":60,"start":1416.53,"end":1439.67},{"sentences":[{"text":"D for delta.","start":1440.53,"end":1442.15,"sentiment":"neutral","sentiment_score":0.026510809858640034},{"text":"Yep.","start":1442.29,"end":1442.79,"sentiment":"neutral","sentiment_score":0.04223709926009178},{"text":"D for Delta, sir.","start":1443.81,"end":1444.93,"sentiment":"neutral","sentiment_score":0.04274481721222401},{"text":"A ForAlphaN for Nelly, d for delta, e for echo, x for X-ray.","start":1444.93,"end":1449.35,"sentiment":"neutral","sentiment_score":0.09172186713952285},{"text":"And then AndexChart, it should be the top one in Google.","start":1451.1649,"end":1454.065,"sentiment":"neutral","sentiment_score":0.1343504325910048}],"sentiment":"neutral","sentiment_score":0.09259336965624243,"num_words":32,"start":1440.53,"end":1454.065},{"sentences":[{"text":"Open that up.","start":1454.2849,"end":1455.005,"sentiment":"neutral","sentiment_score":0.051659361769755684},{"text":"There should be a big colorful yep.","start":1455.005,"end":1458.0449,"sentiment":"neutral","sentiment_score":0.03462798361267362},{"text":"Where it says order.","start":1458.0449,"end":1459.1849,"sentiment":"neutral","sentiment_score":0.017396254697814584},{"text":"Just click on that chart, and then it should come up on the left.","start":1459.325,"end":1462.5249,"sentiment":"neutral","sentiment_score":0.047239531363759725},{"text":"Just there's a magnifying glass.","start":1462.5249,"end":1464.0449,"sentiment":"neutral","sentiment_score":0.030817919597029685}],"sentiment":"neutral","sentiment_score":0.038860667468697735,"num_words":33,"start":1454.2849,"end":1464.0449},{"sentences":[{"text":"Click on that magnifying glass.","start":1464.0449,"end":1465.38,"sentiment":"neutral","sentiment_score":0.021545194461941718},{"text":"Okay.","start":1468.82,"end":1469.22,"sentiment":"neutral","sentiment_score":0.10022075474262238},{"text":"So you see that yeah.","start":1469.22,"end":1470.5,"sentiment":"neutral","sentiment_score":0.0970770537853241},{"text":"So there's a lot going on.","start":1470.5,"end":1471.86,"sentiment":"neutral","sentiment_score":0.08492352440953255},{"text":"But the if you start with this, the growth of a 100 Australian dollars with no acquisition cost taxes and or income reinvested.","start":1471.86,"end":1479.24,"sentiment":"neutral","sentiment_score":0.12949269961403764}],"sentiment":"neutral","sentiment_score":0.1045301308389753,"num_words":40,"start":1464.0449,"end":1479.24},{"sentences":[{"text":"Can you see that on the left hand side?","start":1479.6649,"end":1481.445,"sentiment":"neutral","sentiment_score":0.044711563322279185},{"text":"So so it should be the 2025 Andex chart for Australian investors.","start":1492.5449,"end":1496.47,"sentiment":"neutral","sentiment_score":0.1350039765238762},{"text":"So let's go back.","start":1505.89,"end":1507.03,"sentiment":"neutral","sentiment_score":-0.014059893321245909},{"text":"If you go to andex dot com dot a u, and there should be just the order the order the Andex chart for Australian investors.","start":1507.095,"end":1516.875,"sentiment":"neutral","sentiment_score":0.02511556342244148},{"text":"See?","start":1519.655,"end":1520.155,"sentiment":"neutral","sentiment_score":0.02705453336238861}],"sentiment":"neutral","sentiment_score":0.05139521242795037,"num_words":51,"start":1479.6649,"end":1520.155},{"sentences":[{"text":"Again, so now at the far left, bottom left, it's the growth of a $100 in 1950.","start":1521.96,"end":1530.76,"sentiment":"neutral","sentiment_score":0.044578315580592436},{"text":"At the very bottom, it says 50.","start":1530.76,"end":1533.1799,"sentiment":"neutral","sentiment_score":0.01994457787701062},{"text":"Do you see that?","start":1533.4,"end":1534.2999,"sentiment":"neutral","sentiment_score":0.02910944540053606},{"text":"So that's 1950, and that is every year all the way up to 2020 '5.","start":1536.915,"end":1542.855,"sentiment":"neutral","sentiment_score":0.03965221432348092},{"text":"So so no.","start":1544.115,"end":1545.635,"sentiment":"neutral","sentiment_score":-0.06723563621441524}],"sentiment":"neutral","sentiment_score":0.03058603256130996,"num_words":46,"start":1521.96,"end":1545.635},{"sentences":[{"text":"No.","start":1545.635,"end":1545.7151,"sentiment":"neutral","sentiment_score":-0.16251742839813232},{"text":"That's alright.","start":1545.7151,"end":1546.355,"sentiment":"neutral","sentiment_score":0.01465252973139286},{"text":"That's alright.","start":1546.355,"end":1547.0751,"sentiment":"neutral","sentiment_score":0.1823408454656601},{"text":"So if we go back to the very beginning, this is the growth of if you invested a $100 into the Australian market with no acquisition costs or or equal ICI and direct cost ratios or taxes and every piece of income that you receive from the dividends, you reinvested back into that market.","start":1547.0751,"end":1567.625,"sentiment":"neutral","sentiment_score":0.16785410791635513},{"text":"Right?","start":1567.625,"end":1568.125,"sentiment":"neutral","sentiment_score":0.07403883337974548}],"sentiment":"neutral","sentiment_score":0.15616049971431495,"num_words":60,"start":1545.635,"end":1568.125},{"sentences":[{"text":"The dark blue line, you can see the first kind of the the major first major drop was in the seventies, mid seventies industrial industrial drop there.","start":1568.745,"end":1578.96,"sentiment":"neutral","sentiment_score":-0.08987485576007101},{"text":"I think it was a massive industrial drop there, and that was a yeah.","start":1579.12,"end":1583.6,"sentiment":"neutral","sentiment_score":-0.12580337481839315},{"text":"Essentially, the huge, huge, massive, massive drop in the market.","start":1583.6,"end":1589.38,"sentiment":"neutral","sentiment_score":-0.19666483476758004},{"text":"You can see it.","start":1589.44,"end":1590.24,"sentiment":"neutral","sentiment_score":-0.08656838163733482},{"text":"And the dark blue line's got the most volatility, recall.","start":1590.24,"end":1593.2999,"sentiment":"neutral","sentiment_score":-0.0859119437634945}],"sentiment":"neutral","sentiment_score":-0.11322937945906933,"num_words":65,"start":1568.745,"end":1593.2999},{"sentences":[{"text":"If you go up to 1986, I believe it was, somewhere around there, that's called that Black Friday or Black Monday, Black Friday.","start":1594.005,"end":1601.7051,"sentiment":"neutral","sentiment_score":-0.06448481078057186},{"text":"It was.","start":1601.845,"end":1602.425,"sentiment":"neutral","sentiment_score":-0.05623239278793335},{"text":"Yeah.","start":1602.645,"end":1602.965,"sentiment":"neutral","sentiment_score":-0.10119575262069702},{"text":"Lehman Brothers collapsed, all that stuff.","start":1602.965,"end":1605.625,"sentiment":"neutral","sentiment_score":-0.2579159860809644},{"text":"That's have you ever seen The Wolf of Wall Street?","start":1606.05,"end":1608.8701,"sentiment":"neutral","sentiment_score":-0.14141728952527047}],"sentiment":"neutral","sentiment_score":-0.1109161904259097,"num_words":42,"start":1594.005,"end":1608.8701},{"sentences":[{"text":"Yeah.","start":1610.53,"end":1610.8501,"sentiment":"neutral","sentiment_score":-0.04118167981505394},{"text":"So you remember John Belfort's first day of trading in the market, and there was a massive collapse that was that day?","start":1610.8501,"end":1617.9901,"sentiment":"neutral","sentiment_score":-0.1366582942957228},{"text":"Yeah.","start":1619.155,"end":1619.395,"sentiment":"neutral","sentiment_score":-0.12844064831733704},{"text":"There was all sorts of restrictions placed because of how hard that fell.","start":1619.395,"end":1622.935,"sentiment":"neutral","sentiment_score":-0.2677195347272433},{"text":"Now something a little bit closer to home, 2007 to 2009, that big drop there.","start":1623.155,"end":1629.895,"sentiment":"neutral","sentiment_score":-0.15974560827016832}],"sentiment":"neutral","sentiment_score":-0.17408928611817268,"num_words":52,"start":1610.53,"end":1629.895},{"sentences":[{"text":"That's the GFC.","start":1631.235,"end":1632.135,"sentiment":"neutral","sentiment_score":0.2395175794760386},{"text":"So that oh, that's right.","start":1634.24,"end":1636.16,"sentiment":"neutral","sentiment_score":-0.06612629443407059},{"text":"I completely understand.","start":1636.16,"end":1637.14,"sentiment":"neutral","sentiment_score":0.06919356311360995},{"text":"So that's the GFC, and then a little bit closer the most recent drop is COVID in 2020.","start":1638.8,"end":1645.06,"sentiment":"neutral","sentiment_score":-0.10983642728792296},{"text":"And you can see the volatility.","start":1645.12,"end":1646.5,"sentiment":"neutral","sentiment_score":-0.03298066960026821}],"sentiment":"neutral","sentiment_score":-0.045126792948160854,"num_words":35,"start":1631.235,"end":1646.5},{"sentences":[{"text":"But if you draw going back onto my points, if you draw a line, so that's the most that's a 100%.","start":1646.875,"end":1651.6749,"sentiment":"neutral","sentiment_score":0.04155308292025611},{"text":"So you're taking 85% exposure into those assets.","start":1651.6749,"end":1654.4149,"sentiment":"neutral","sentiment_score":0.052007521502673626},{"text":"If you took a 100% exposure, if you take it before at peak, just before the market dropped at any point in time, and then you drew a straight line horizontal across, there would be no point in time over the last seventy five years where it took more than, I believe, it's eight point four, not eight years and four months, but eight point four years to not take it back.","start":1654.955,"end":1677.705,"sentiment":"neutral","sentiment_score":-0.07014718514660166},{"text":"So GFC, if you dropped the when you held all the way down from the top in twenty two thousand seven down to 2000 beginning of two thousand nine, that drop was about 62%, 60, I think, 62% or 63%, I think.","start":1678.8049,"end":1694.22,"sentiment":"neutral","sentiment_score":-0.19923821836709976},{"text":"Yes.","start":1694.22,"end":1694.38,"sentiment":"neutral","sentiment_score":-0.01196116954088211}],"sentiment":"neutral","sentiment_score":-0.08431867193171962,"num_words":144,"start":1646.875,"end":1694.38},{"sentences":[{"text":"So you would have been left with 30 was it 37,000 if you had a $100 for that in those two in a year and a half.","start":1694.38,"end":1701.84,"sentiment":"neutral","sentiment_score":-0.027480513961226853},{"text":"Correct?","start":1702.2999,"end":1702.7799,"sentiment":"neutral","sentiment_score":-0.019159093499183655},{"text":"But if you kept your cool and you didn't sell and you just left it and then reinvested all distributions and all the rest, do exactly what it would've done.","start":1702.7799,"end":1711.475,"sentiment":"neutral","sentiment_score":-0.04187866138915221},{"text":"Keep in mind, with the same $100 you put in that market and as an index in '19 50, it would have taken us at $1.02, $3.04, 5, and a bit.","start":1711.475,"end":1723.2899,"sentiment":"neutral","sentiment_score":0.024458954651509563},{"text":"So about about six years to make use for your assets to become a $100 again.","start":1723.4299,"end":1729.2899,"sentiment":"neutral","sentiment_score":-0.001338606234639883}],"sentiment":"neutral","sentiment_score":-0.012196980168422062,"num_words":105,"start":1694.38,"end":1729.2899},{"sentences":[{"text":"K?","start":1730.15,"end":1730.39,"sentiment":"neutral","sentiment_score":0.06100526079535484},{"text":"And that's a 100% invested into the market.","start":1730.39,"end":1732.815,"sentiment":"neutral","sentiment_score":0.1727144978940487},{"text":"If you go down to the lighter kind of blue line, that is a seventy thirty approach.","start":1732.8949,"end":1739.5549,"sentiment":"neutral","sentiment_score":0.09175674683030914},{"text":"That's called a balanced portfolio.","start":1740.4149,"end":1742.0349,"sentiment":"neutral","sentiment_score":0.17130818963050842},{"text":"And you can see that, you know, just going back into that blue line, with that higher volatility over the longer term, you would have about a $100 would have grown to 362,000 600 and $54.","start":1742.495,"end":1754.0299,"sentiment":"neutral","sentiment_score":0.1129016535608874}],"sentiment":"neutral","sentiment_score":0.11826248382697743,"num_words":67,"start":1730.15,"end":1754.0299},{"sentences":[{"text":"So time is risk, and this is how we calculate it from a standard deviation point of view.","start":1754.0299,"end":1759.23,"sentiment":"neutral","sentiment_score":0.014536354613179961},{"text":"Okay?","start":1759.23,"end":1759.73,"sentiment":"neutral","sentiment_score":0.03368854522705078},{"text":"And you're taking a kind of you're taking 5% more exposure to the blue line than the green line, which is long term bonds.","start":1761.235,"end":1768.995,"sentiment":"neutral","sentiment_score":0.002710721998785933},{"text":"As you can see recently, they haven't been performing too well.","start":1768.995,"end":1772.0549,"sentiment":"neutral","sentiment_score":0.0036066975444555283},{"text":"But, yeah, it's it's if you draw a line from the top at the same GFC kind of error, that is one, two, three years, you would have your money back and you wouldn't have felt the you wouldn't have felt such a such such a large drop.","start":1772.61,"end":1786.47,"sentiment":"neutral","sentiment_score":-0.05894616440248986}],"sentiment":"neutral","sentiment_score":-0.023817078059758332,"num_words":102,"start":1754.0299,"end":1786.47},{"sentences":[{"text":"So that's what I just want to point out a lot a kind of a roundabout way we're looking at in terms of volatility, but also time horizon.","start":1788.2749,"end":1795.975,"sentiment":"neutral","sentiment_score":0.009854127303697169},{"text":"K?","start":1797.875,"end":1798.375,"sentiment":"neutral","sentiment_score":0.02044950425624847},{"text":"Outside that, the next strategy on page 19 is just looking at your insurances and with your PSSAP.","start":1799.315,"end":1805.4199,"sentiment":"neutral","sentiment_score":0.04054882667130894},{"text":"We're gonna retain that, and I just we just kind of explained a little bit more around what we're looking at.","start":1806.28,"end":1811.98,"sentiment":"neutral","sentiment_score":0.06136204807886055},{"text":"So on the second paragraph where it says best interest duty, so I'm just gonna read it out to make sure it makes sense.","start":1812.04,"end":1818.605,"sentiment":"neutral","sentiment_score":0.05739276964838306}],"sentiment":"neutral","sentiment_score":0.04013340684848473,"num_words":92,"start":1788.2749,"end":1818.605},{"sentences":[{"text":"Although we couldn't obtain new cover, you're currently insured in line with your insurance needs to give you that peace of mind.","start":1818.6649,"end":1825.385,"sentiment":"neutral","sentiment_score":0.07285787918689576},{"text":"So your current coverage is 270,000 for life and TPD.","start":1825.385,"end":1829.8049,"sentiment":"neutral","sentiment_score":0.03433476835489273},{"text":"And with your super balance of $311,704, it equals a total of $581,920.90 when compared with your liabilities of 311,500, which means that something would happen to you, you would still do yeah.","start":1830.37,"end":1847.875,"sentiment":"neutral","sentiment_score":0.008070663676004518},{"text":"Touch wood.","start":1847.875,"end":1848.6951,"sentiment":"neutral","sentiment_score":-0.02912295237183571},{"text":"Doesn't happen.","start":1848.995,"end":1849.8151,"sentiment":"neutral","sentiment_score":-0.05275982432067394}],"sentiment":"neutral","sentiment_score":0.029692570631648752,"num_words":69,"start":1818.6649,"end":1849.8151},{"sentences":[{"text":"But if you if you do fall off your perch, let's say that you've got a fully paid out property as well as $270,000 $270,500 left over.","start":1851.0751,"end":1862.2001,"sentiment":"neutral","sentiment_score":-0.00044214966086049873},{"text":"Okay.","start":1864.9,"end":1865.38,"sentiment":"positive","sentiment_score":0.4840070605278015},{"text":"Just to just to give you that peace of mind.","start":1865.38,"end":1868.2001,"sentiment":"positive","sentiment_score":0.3684448182582855},{"text":"So wanna hold on to that just for the time being, especially because of that income protection policy.","start":1869.1549,"end":1873.815,"sentiment":"neutral","sentiment_score":0.13068226849039397},{"text":"And what I'd like to point out on page 20, this is the last thing I'm gonna look at, is your I did a recommendation of I I did the comparison between what your current situation is, what you're tracking for in ten years, what you recommended, and that's a six six one.","start":1874.835,"end":1891.3201,"sentiment":"neutral","sentiment_score":0.021944980066761655}],"sentiment":"neutral","sentiment_score":0.07038423833608148,"num_words":109,"start":1851.0751,"end":1891.3201},{"sentences":[{"text":"But then I was I looked at well, what happens if you cancel the insurance as a consolidated and you have no insurance?","start":1891.54,"end":1897.16,"sentiment":"neutral","sentiment_score":-0.041579463883586555},{"text":"What would the effects be?","start":1897.54,"end":1898.985,"sentiment":"neutral","sentiment_score":-0.0768774002790451},{"text":"The effects are about, what, $22,000 over ten years, so I think it's worthwhile to retain your insurances.","start":1899.145,"end":1904.765,"sentiment":"neutral","sentiment_score":0.0297719683084223},{"text":"Does that make sense?","start":1907.465,"end":1908.525,"sentiment":"neutral","sentiment_score":0.09435881674289703},{"text":"One second.","start":1910.905,"end":1911.645,"sentiment":"neutral","sentiment_score":-0.16817139461636543}],"sentiment":"neutral","sentiment_score":-0.014687053142831875,"num_words":52,"start":1891.54,"end":1911.645},{"sentences":[{"text":"Well, it's yeah.","start":1917.21,"end":1918.09,"sentiment":"neutral","sentiment_score":-0.060923547794421516},{"text":"Because of the, you know, your your your actual occupation, you'll be amazed that well, not just that.","start":1918.09,"end":1925.61,"sentiment":"neutral","sentiment_score":-0.08792798096934955},{"text":"No.","start":1925.61,"end":1925.7699,"sentiment":"neutral","sentiment_score":-0.32934609055519104},{"text":"No.","start":1925.7699,"end":1925.9299,"sentiment":"negative","sentiment_score":-0.3630511164665222},{"text":"No.","start":1925.9299,"end":1926.09,"sentiment":"negative","sentiment_score":-0.3993980586528778}],"sentiment":"neutral","sentiment_score":-0.11905289860442281,"num_words":24,"start":1917.21,"end":1926.09},{"sentences":[{"text":"It's got to do with stress.","start":1926.09,"end":1927.47,"sentiment":"negative","sentiment_score":-0.3992253591616948},{"text":"It's got to do with your the the the problem so from an actuarial point of view, being a state government investigator, your level of trauma and exposure to that is deemed too high for an actuarial insurance company point of view.","start":1929.695,"end":1946.8201,"sentiment":"neutral","sentiment_score":-0.3275160604999179},{"text":"So the risk everything all premiums is essentially calculated by actuaries, and they work out, well, how much money is that risk worth to us?","start":1946.88,"end":1957.815,"sentiment":"neutral","sentiment_score":-0.13383049353957177},{"text":"That's the that's how they work out for premium.","start":1958.455,"end":1960.5549,"sentiment":"neutral","sentiment_score":-0.203959873980946},{"text":"And you're too high because mental health is a big thing that people claim on.","start":1960.615,"end":1965.5149,"sentiment":"negative","sentiment_score":-0.4724999109903971}],"sentiment":"neutral","sentiment_score":-0.2929889336612421,"num_words":97,"start":1926.09,"end":1965.5149},{"sentences":[{"text":"Very hard to kinda prove that it's not there.","start":1965.6549,"end":1968.0549,"sentiment":"negative","sentiment_score":-0.48511340220769245},{"text":"You know?","start":1968.0549,"end":1968.5349,"sentiment":"neutral","sentiment_score":-0.2133692279458046},{"text":"So, yeah, it's you got a very high stressful job, apparently.","start":1968.5349,"end":1972.1699,"sentiment":"negative","sentiment_score":-0.3579586866227063},{"text":"Yeah.","start":1978.07,"end":1978.57,"sentiment":"neutral","sentiment_score":-0.059596799314022064},{"text":"What was your last job?","start":1978.71,"end":1980.01,"sentiment":"neutral","sentiment_score":-0.06206254214048386}],"sentiment":"neutral","sentiment_score":-0.32500764780810903,"num_words":28,"start":1965.6549,"end":1980.01},{"sentences":[{"text":"Yeah.","start":1987.375,"end":1987.875,"sentiment":"neutral","sentiment_score":0.028889987617731094},{"text":"Well, you'll be amazed at what the premiums look like with that.","start":1988.415,"end":1991.235,"sentiment":"neutral","sentiment_score":0.2350917582710584},{"text":"Exactly.","start":1994.0951,"end":1994.5951,"sentiment":"neutral","sentiment_score":0.19034075736999512},{"text":"But yeah.","start":1995.4551,"end":1996.0951,"sentiment":"neutral","sentiment_score":0.14324185252189636},{"text":"Look.","start":1996.0951,"end":1996.3351,"sentiment":"neutral","sentiment_score":0.2875533699989319}],"sentiment":"neutral","sentiment_score":0.2126099364284207,"num_words":17,"start":1987.375,"end":1996.3351},{"sentences":[{"text":"That pretty much sums it up.","start":1996.3351,"end":1997.9551,"sentiment":"positive","sentiment_score":0.41251034537951153},{"text":"The next thing I wanted to point out was our remuneration as outlined is the same.","start":1998.5801,"end":2002.5,"sentiment":"neutral","sentiment_score":0.09341978607699275},{"text":"1.65% not changing anything.","start":2002.5,"end":2004.5,"sentiment":"neutral","sentiment_score":0.04495525546371937},{"text":"That's all part of that ongoing service, making sure that we're just slowly adjusting things to make sure that we're on in line with your goals and objectives.","start":2004.5,"end":2011.8,"sentiment":"neutral","sentiment_score":0.2356463417943035},{"text":"Beautiful.","start":2014.805,"end":2015.305,"sentiment":"positive","sentiment_score":0.6377556920051575}],"sentiment":"neutral","sentiment_score":0.2070082351565361,"num_words":55,"start":1996.3351,"end":2015.305},{"sentences":[{"text":"Well, if you just wanna get down to the second last page, I think there might be a multi line sign up.","start":2015.4451,"end":2021.365,"sentiment":"neutral","sentiment_score":0.0378668870438229},{"text":"Just just if you just click in there and just do a full stop or something, then it should allow you to go through because all that is is just to see if you did want to alter something.","start":2021.365,"end":2032.3,"sentiment":"neutral","sentiment_score":0.05394669263981856},{"text":"We we can adjust the portfolio, but it's our recommendation, nevertheless.","start":2032.3,"end":2037.04,"sentiment":"neutral","sentiment_score":0.06175226904451847},{"text":"So if you're happy with it, just do a full stop there and then click the sign in area, sign that, send it through.","start":2037.18,"end":2042.395,"sentiment":"neutral","sentiment_score":0.12021037749946117},{"text":"I'll stay on the line, make sure that I've received it.","start":2042.395,"end":2045.2151,"sentiment":"neutral","sentiment_score":0.0732112472707575}],"sentiment":"neutral","sentiment_score":0.06828635763899188,"num_words":107,"start":2015.4451,"end":2045.2151},{"sentences":[{"text":"Mhmm.","start":2053.195,"end":2053.695,"sentiment":"neutral","sentiment_score":-0.008854646235704422},{"text":"Circle of death.","start":2057.25,"end":2058.23,"sentiment":"neutral","sentiment_score":-0.1185688575108846},{"text":"Yep.","start":2058.69,"end":2059.19,"sentiment":"neutral","sentiment_score":-0.05298156663775444},{"text":"No.","start":2063.81,"end":2064.05,"sentiment":"neutral","sentiment_score":-0.17110870778560638},{"text":"It's definitely the it's the wheel of death.","start":2064.05,"end":2066.1501,"sentiment":"neutral","sentiment_score":-0.16846459172666073}],"sentiment":"neutral","sentiment_score":-0.1383120162146432,"num_words":14,"start":2053.195,"end":2066.1501},{"sentences":[{"text":"That's right.","start":2072.025,"end":2072.4248,"sentiment":"neutral","sentiment_score":0.03747156076133251},{"text":"Actually, have you have you what do you do you mind me asking?","start":2072.4248,"end":2075.9448,"sentiment":"neutral","sentiment_score":0.0019112930704767888},{"text":"What do you pay for Internet with NBN or Telstra?","start":2075.9448,"end":2079.645,"sentiment":"neutral","sentiment_score":-0.010215469496324658},{"text":"I've already, yeah, I've already received it on my end.","start":2089.6,"end":2092.08,"sentiment":"neutral","sentiment_score":0.08787094596773386},{"text":"So you'll receive the signed documents on your end as well.","start":2092.08,"end":2094.9,"sentiment":"neutral","sentiment_score":0.18464375084096735}],"sentiment":"neutral","sentiment_score":0.06320491207399122,"num_words":46,"start":2072.025,"end":2094.9},{"sentences":[{"text":"So you've got a copy too.","start":2094.96,"end":2097.2,"sentiment":"neutral","sentiment_score":0.147458016872406},{"text":"And the reason why I bring that up is because I've recently gone to the dark side.","start":2097.2,"end":2100.56,"sentiment":"neutral","sentiment_score":-0.06415620862561114},{"text":"I've gone to the Starlink side.","start":2100.56,"end":2102.34,"sentiment":"neutral","sentiment_score":0.022293768202265103},{"text":"And I can tell you it is unbelievable.","start":2104.545,"end":2107.765,"sentiment":"positive","sentiment_score":0.39433795399963856},{"text":"About 100 I've got the full package, so you get it's about $150 a month.","start":2108.4648,"end":2113.605,"sentiment":"neutral","sentiment_score":0.21068436950445174}],"sentiment":"neutral","sentiment_score":0.1200543141995485,"num_words":52,"start":2094.96,"end":2113.605},{"sentences":[{"text":"But if you you can get it for something like $89 a month.","start":2113.825,"end":2118.2449,"sentiment":"neutral","sentiment_score":0.08323397659338437},{"text":"So it's cheaper than what you're currently paying, and it is unbelievable.","start":2118.4102,"end":2121.87,"sentiment":"positive","sentiment_score":0.4675608364244302},{"text":"You can literally unplug it and take it in your car.","start":2122.01,"end":2124.33,"sentiment":"positive","sentiment_score":0.47518960725177417},{"text":"You can get Internet in the middle of the desert if you want.","start":2124.33,"end":2127.47,"sentiment":"neutral","sentiment_score":0.328527664908996},{"text":"Sorry?","start":2130.25,"end":2130.75,"sentiment":"neutral","sentiment_score":-0.02541748993098736}],"sentiment":"neutral","sentiment_score":0.3233059913292527,"num_words":50,"start":2113.825,"end":2130.75},{"sentences":[{"text":"Starlink.","start":2132.655,"end":2133.155,"sentiment":"neutral","sentiment_score":0.021128710359334946},{"text":"Elon Musk.","start":2134.2551,"end":2135.235,"sentiment":"neutral","sentiment_score":0.037627262994647026},{"text":"Starlink.","start":2135.935,"end":2136.435,"sentiment":"neutral","sentiment_score":0.05456161126494408},{"text":"Yeah.","start":2136.575,"end":2136.815,"sentiment":"neutral","sentiment_score":0.2314065098762512},{"text":"It's incredible.","start":2136.815,"end":2137.5552,"sentiment":"positive","sentiment_score":0.6560192108154297}],"sentiment":"neutral","sentiment_score":0.24205568273152625,"num_words":7,"start":2132.655,"end":2137.5552},{"sentences":[{"text":"It's unbelievable.","start":2137.7751,"end":2138.5151,"sentiment":"positive","sentiment_score":0.6424957811832428},{"text":"There is a setup cost for, obviously, the the the the, like, the dish, if you would, but it's yeah.","start":2139.0552,"end":2146.335,"sentiment":"neutral","sentiment_score":0.07079692864790559},{"text":"It's it's it's it's crazy.","start":2146.335,"end":2149.46,"sentiment":"neutral","sentiment_score":0.10204963982105256},{"text":"I can literally, it's on my roof, but if I wanted to go camping or something, you can literally just unplug it and take it in your car and put it on your roof of your car when you can't, and you get full reception no matter where you are.","start":2149.46,"end":2161.32,"sentiment":"neutral","sentiment_score":0.11806794509291649},{"text":"Definitely look into it.","start":2173.095,"end":2180.88,"sentiment":"neutral","sentiment_score":0.2365509420633316}],"sentiment":"neutral","sentiment_score":0.12420715255961742,"num_words":81,"start":2137.7751,"end":2180.88},{"sentences":[{"text":"That's right.","start":2180.88,"end":2181.7,"sentiment":"neutral","sentiment_score":0.3224014639854431},{"text":"Exactly.","start":2183.92,"end":2184.42,"sentiment":"positive","sentiment_score":0.3731738924980163},{"text":"Hey.","start":2184.5598,"end":2184.7998,"sentiment":"neutral","sentiment_score":0.1604217290878296},{"text":"Look.","start":2184.7998,"end":2185.0398,"sentiment":"neutral","sentiment_score":0.13066014647483826},{"text":"We know how to spend our money better than anyone else does.","start":2185.0398,"end":2187.3599,"sentiment":"neutral","sentiment_score":0.21497685958941778}],"sentiment":"neutral","sentiment_score":0.22875182418262258,"num_words":17,"start":2180.88,"end":2187.3599},{"sentences":[{"text":"Right?","start":2187.3599,"end":2187.5999,"sentiment":"neutral","sentiment_score":0.1483456790447235},{"text":"Because we know what we want.","start":2187.5999,"end":2188.98,"sentiment":"neutral","sentiment_score":0.09238759924968083},{"text":"But, yeah, I think there's in in certain selected areas, I mean, it's for where like, if you're saying that your Internet is bad, then, yeah, absolutely have a look at that because $75 a month, the starting price, and you got the fish and it connects everywhere, it's worth it.","start":2189.825,"end":2206.08,"sentiment":"neutral","sentiment_score":0.1927443239837885},{"text":"Beautiful.","start":2208.06,"end":2208.56,"sentiment":"positive","sentiment_score":0.756913423538208},{"text":"Did you have any questions for me?","start":2209.02,"end":2210.72,"sentiment":"positive","sentiment_score":0.34328258463314604}],"sentiment":"neutral","sentiment_score":0.20746247444979168,"num_words":66,"start":2187.3599,"end":2210.72},{"sentences":[{"text":"No.","start":2221.2249,"end":2221.4648,"sentiment":"neutral","sentiment_score":0.026579365134239197},{"text":"That's alright.","start":2221.4648,"end":2222.265,"sentiment":"neutral","sentiment_score":0.20497913658618927},{"text":"Thank you.","start":2222.265,"end":2223.005,"sentiment":"positive","sentiment_score":0.62180495262146},{"text":"I could say the exact same thing.","start":2223.3848,"end":2225.065,"sentiment":"positive","sentiment_score":0.4536175089223044},{"text":"So you enjoy the rest of your day.","start":2225.065,"end":2226.505,"sentiment":"positive","sentiment_score":0.6693132221698761}],"sentiment":"positive","sentiment_score":0.5104987941682338,"num_words":20,"start":2221.2249,"end":2226.505},{"sentences":[{"text":"Good luck at the doctors.","start":2226.505,"end":2227.6448,"sentiment":"positive","sentiment_score":0.6046035051345825},{"text":"And, yeah, give us a call if you need anything else.","start":2227.917,"end":2230.077,"sentiment":"neutral","sentiment_score":0.32785472544756805},{"text":"We'll get that investment switched now.","start":2230.077,"end":2231.937,"sentiment":"positive","sentiment_score":0.3751351038614909},{"text":"Thank you.","start":2233.677,"end":2234.397,"sentiment":"positive","sentiment_score":0.6201038360595703},{"text":"No worries.","start":2234.397,"end":2235.117,"sentiment":"neutral","sentiment_score":0.005098000168800354}],"sentiment":"positive","sentiment_score":0.38963976158545566,"num_words":26,"start":2226.505,"end":2235.117},{"sentences":[{"text":"See you.","start":2235.117,"end":2235.517,"sentiment":"neutral","sentiment_score":0.16163041442632675},{"text":"Bye.","start":2235.517,"end":2236.017,"sentiment":"neutral","sentiment_score":0.1298249512910843}],"sentiment":"neutral","sentiment_score":0.15102859338124594,"num_words":3,"start":2235.117,"end":2236.017}]}}]},{"alternatives":[{"transcript":"Can you hear me, Debbie? Oh, that's fine. I did try to call back because I'm really lucky. I've got the recording. And I thought, I'll I'll wait for you. I'll wait for Nicole. Yes. Oh, okay. Yep. Okay. Cool. Yep. I've just got it, and I've just pulled it up. I've just saved the the ages of my kids on the form, which is probably the ages they were when I first did it. So it's whether or not that needs to be updated. Okay. Yes. Yes. So they're currently 10 and 12. Yes. No. That's okay. Yeah. Not single. Yep. Yep. Yep. Okay. Yes. Sure. Yep. Okay. Sure. Okay. Beautiful. Oh, okay. Yep. Okay. Okay. Yep. Okay. Yeah. Yeah. Yeah. Yeah. 100%. Yep. Yep. Okay. Okay. Sure. Yeah. Yeah. Okay. Mhmm. Yep. Mhmm. Yeah. Okay. There's a big difference, isn't it? Yep. Yep. Yep. Yep. It's Clarissa. Yes. Absolutely. Yep. Mhmm. Yep. Yep. Yep. Yep. Sure. Okay. Sure. Mhmm. Yeah. 100%. Yep. Happy with that. Yep. Yep. Yep. Mhmm. That is done. That's fine. Yep. Yep. Think so. Okay. Yep. Yeah. That's dodgy. The dodgy glasses. Yes. Yes. Yes. Okay. Mhmm. Okay. Yep. Yep. Okay. Okay. Right. Yep. Yep. Yeah. Yeah. Yep. Okay. Yes. Cool. Okay. Yep. A plastic. It's your specialty. Yep. Yeah. I get it. Yeah. I understand. No. Wouldn't it be lovely if we all did? Oh, lovely. Okay. Yep. Yep. Okay. Yep. Yep. Sure. Okay. Mhmm. Yep. 200. Yeah. Yep. Yeah. If you want to, you know, sort of give me a quick rundown, that'll be fine. Yep. And fair enough. Yep. Yep. Okay. Yep. Jesus. Okay. Okay. Yeah. Yeah. I've been fine. Yeah. Yes. Ross. Yes. Okay. Okay. Yes. Yep. Okay. Yes. Okay. Okay. Okay. Perfect. Yep. Okay. Mhmm. Yep. Yeah. A lot more. Yes. Okay. Yep. Yes. Yes. Yep. Yes. Yeah. I see. I took it with that on my mouth with Trump. Yep. Yep. Yep. Yep. No. I appreciate it. I want you to be. Yep. That's big enough. Yeah. Yeah. Yep. Yeah. Yeah. That's Awesome. Previously. Yeah. Yeah. Yeah. No. You made it pretty clear, so I appreciate that. Thank you. Yep. Yep. Yep. Right. Yep. Okay. Yeah. Yeah. Okay. Yeah. Okay. A n. Yep. Yep. Yep. A n Oh, b. Thank you. Yep. I'm hold on. Yep. Oh, yeah. Yeah. Yeah. Cool. Oh, wow. I've got Internet. Oh, sorry. It's looking around for me. International Equiset Australia. Yep. There we go. That's the one. Amazing. Why is it not? Yep. Oh, there we go. Yeah. I've got that. Yep. 2025 top. Yes. Gotcha. Yep. Yep. Yep. '19 '50. Yeah. Oh, well. Well, well, right, right, Yep. I'm with you now. Sorry, Debbie. Yeah. Yeah. Yeah. Yeah. Yep. Yeah. Yeah. Yeah. Yes. I have. Yes. Yep. Yep. Thank you. Come on. Sorry. My dog's gone off. Yeah. Yeah. Yep. Yep. I think it's not yeah. Yes. Again. Yep. Yep. Yep. Okay. Sixty two. Yeah. Yeah. Yeah. Yes. Yep. Yep. That's it. Yeah. Yeah. Yep. Mhmm. Coast. That's wood. They've got some to yeah. Yeah. That's good. Yep. Perfect. Happy to do that. Yeah. Mhmm. Yep. Yep. Mhmm. Yeah. Yeah. I think so too. It'll just give me better peace of mind, to be honest. I mean, I don't understand how a government worker can be actually of high risk, but but, you know, there you go. Change of government and stuff. Yeah. I suppose. But Oh, okay. Right. Yeah. Yes. Yep. Well, apparently, this is nothing compared to my last one. So this is a walk in the park compared to my last job. So, yeah, there we go. Maybe oh, I was working child support dealing with agro customers daily. Eight hours a day on the phone for five days a week. So for now, I yeah. Beautiful. Fantastic. Sounds good to me, Shirley. Yes. Oh, okay. Yep. Oh, okay. Yeah. Once it's editing, next documents, Validate and send completed documents. I've got the circle of I won't say I wasn't I wasn't I wasn't even gonna say I was just gonna say the circle because yeah. This because the Internet out here is not the best, and I'm working from home today. So I just wanna make sure. Oh, gosh. I'm with Optus at the moment. It's, like, $98 a month, and I tried to do a comparison. You will you will get the signed documents via email. It's signed. Okay. Oh, cool. Yeah. Okay. Oh, okay. Who's that with? Timor? Who's that with? Starlink. Okay. Okay. That's alright. Well, Fast Reliable Home Internet at the moment, but no upfront hardware costs in selected areas servicing at 75 a month. Okay. I've got that on the thing, and I'll look into that because I did go into, yeah, compare, and they're all pretty much the same, if not higher. So thank you for that. I'll have a look. Anywhere where I can save a bath will be great. Yeah. No. You've been marvelous. Thank you so much. You've actually just in time for my next appointment. I'll go and get my son from school to take to his doctor, so thank you very much for that. Awesome. Awesome. Thank you, Sylvia. Appreciate all your hard work. Okay. 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you hear me, Debbie? Oh, that's fine. I did try to call back because I'm really lucky. I've got the recording. And I thought, I'll I'll wait for you.\n\nI'll wait for Nicole. Yes. Oh, okay. Yep. Okay.\n\nCool. Yep. I've just got it, and I've just pulled it up. I've just saved the the ages of my kids on the form, which is probably the ages they were when I first did it. So it's whether or not that needs to be updated.\n\nOkay. Yes. Yes. So they're currently 10 and 12. Yes.\n\nNo. That's okay. Yeah. Not single. Yep.\n\nYep. Yep. Okay. Yes. Sure.\n\nYep. Okay. Sure. Okay. Beautiful.\n\nOh, okay. Yep. Okay. Okay. Yep.\n\nOkay. Yeah. Yeah. Yeah. Yeah.\n\n100%. Yep. Yep. Okay. Okay.\n\nSure. Yeah. Yeah. Okay. Mhmm.\n\nYep. Mhmm. Yeah. Okay. There's a big difference, isn't it?\n\nYep. Yep. Yep. Yep. It's Clarissa.\n\nYes. Absolutely. Yep. Mhmm. Yep.\n\nYep. Yep. Yep. Sure. Okay.\n\nSure. Mhmm. Yeah. 100%. Yep.\n\nHappy with that. Yep. Yep. Yep. Mhmm.\n\nThat is done. That's fine. Yep. Yep. Think so.\n\nOkay. Yep. Yeah. That's dodgy. The dodgy glasses.\n\nYes. Yes. Yes. Okay. Mhmm.\n\nOkay. Yep. Yep. Okay. Okay.\n\nRight. Yep. Yep. Yeah. Yeah.\n\nYep. Okay. Yes. Cool. Okay.\n\nYep. A plastic. It's your specialty. Yep. Yeah.\n\nI get it. Yeah. I understand. No. Wouldn't it be lovely if we all did?\n\nOh, lovely. Okay. Yep. Yep. Okay.\n\nYep. Yep. Sure. Okay. Mhmm.\n\nYep. 200. Yeah. Yep. Yeah.\n\nIf you want to, you know, sort of give me a quick rundown, that'll be fine. Yep. And fair enough. Yep. Yep.\n\nOkay. Yep. Jesus. Okay. Okay.\n\nYeah. Yeah. I've been fine. Yeah. Yes.\n\nRoss. Yes. Okay. Okay. Yes.\n\nYep. Okay. Yes. Okay. Okay.\n\nOkay. Perfect. Yep. Okay. Mhmm.\n\nYep. Yeah. A lot more. Yes. Okay.\n\nYep. Yes. Yes. Yep. Yes.\n\nYeah. I see. I took it with that on my mouth with Trump. Yep. Yep.\n\nYep. Yep. No. I appreciate it. I want you to be.\n\nYep. That's big enough. Yeah. Yeah. Yep.\n\nYeah. Yeah. That's Awesome. Previously. Yeah.\n\nYeah. Yeah. No. You made it pretty clear, so I appreciate that. Thank you.\n\nYep. Yep. Yep. Right. Yep.\n\nOkay. Yeah. Yeah. Okay. Yeah.\n\nOkay. A n. Yep. Yep. Yep.\n\nA n Oh, b. Thank you. Yep. I'm hold on. Yep.\n\nOh, yeah. Yeah. Yeah. Cool. Oh, wow.\n\nI've got Internet. Oh, sorry. It's looking around for me. International Equiset Australia. Yep.\n\nThere we go. That's the one. Amazing. Why is it not? Yep.\n\nOh, there we go. Yeah. I've got that. Yep. 2025 top.\n\nYes. Gotcha. Yep. Yep. Yep.\n\n'19 '50. Yeah. Oh, well. Well, well, right, right, Yep. I'm with you now.\n\nSorry, Debbie. Yeah. Yeah. Yeah. Yeah.\n\nYep. Yeah. Yeah. Yeah. Yes.\n\nI have. Yes. Yep. Yep. Thank you.\n\nCome on. Sorry. My dog's gone off. Yeah. Yeah.\n\nYep. Yep. I think it's not yeah. Yes. Again.\n\nYep. Yep. Yep. Okay. Sixty two.\n\nYeah. Yeah. Yeah. Yes. Yep.\n\nYep. That's it. Yeah. Yeah. Yep.\n\nMhmm. Coast. That's wood. They've got some to yeah. Yeah.\n\nThat's good. Yep. Perfect. Happy to do that. Yeah.\n\nMhmm. Yep. Yep. Mhmm. Yeah.\n\nYeah. I think so too. It'll just give me better peace of mind, to be honest. I mean, I don't understand how a government worker can be actually of high risk, but but, you know, there you go. Change of government and stuff.\n\nYeah. I suppose. But Oh, okay. Right. Yeah.\n\nYes. Yep. Well, apparently, this is nothing compared to my last one. So this is a walk in the park compared to my last job. So, yeah, there we go.\n\nMaybe oh, I was working child support dealing with agro customers daily. Eight hours a day on the phone for five days a week. So for now, I yeah. Beautiful. Fantastic.\n\nSounds good to me, Shirley. Yes. Oh, okay. Yep. Oh, okay.\n\nYeah. Once it's editing, next documents, Validate and send completed documents. I've got the circle of I won't say I wasn't I wasn't I wasn't even gonna say I was just gonna say the circle because yeah. This because the Internet out here is not the best, and I'm working from home today. So I just wanna make sure.\n\nOh, gosh. I'm with Optus at the moment. It's, like, $98 a month, and I tried to do a comparison. You will you will get the signed documents via email. It's signed.\n\nOkay. Oh, cool. Yeah. Okay. Oh, okay.\n\nWho's that with? Timor? Who's that with? Starlink. Okay.\n\nOkay. That's alright. Well, Fast Reliable Home Internet at the moment, but no upfront hardware costs in selected areas servicing at 75 a month. Okay. I've got that on the thing, and I'll look into that because I did go into, yeah, compare, and they're all pretty much the same, if not higher.\n\nSo thank you for that. I'll have a look. Anywhere where I can save a bath will be great. Yeah. No.\n\nYou've been marvelous. Thank you so much. You've actually just in time for my next appointment. I'll go and get my son from school to take to his doctor, so thank you very much for that. Awesome.\n\nAwesome. Thank you, Sylvia. Appreciate all your hard work. Okay. Bye.","paragraphs":[{"sentences":[{"text":"Can you hear me, Debbie?","start":0.79999995,"end":2.02,"sentiment":"neutral","sentiment_score":-0.01220167987048626},{"text":"Oh, that's fine.","start":5.8799996,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.11976062009731929},{"text":"I did try to call back because I'm really lucky.","start":10.639999,"end":12.4,"sentiment":"neutral","sentiment_score":0.014850285276770592},{"text":"I've got the recording.","start":12.4,"end":13.46,"sentiment":"neutral","sentiment_score":0.11657693795859814},{"text":"And I thought, I'll I'll wait for you.","start":13.855,"end":15.934999,"sentiment":"neutral","sentiment_score":-0.001147744245827198}],"sentiment":"neutral","sentiment_score":0.006177946366369725,"num_words":30,"start":0.79999995,"end":15.934999},{"sentences":[{"text":"I'll wait for 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that.","start":1864.775,"end":1865.755,"sentiment":"positive","sentiment_score":0.5113421380519867},{"text":"Yeah.","start":1868.96,"end":1869.46,"sentiment":"neutral","sentiment_score":0.16316750645637512}],"sentiment":"positive","sentiment_score":0.4524061381816864,"num_words":9,"start":1863.015,"end":1869.46},{"sentences":[{"text":"Mhmm.","start":1874.24,"end":1874.74,"sentiment":"neutral","sentiment_score":0.02059921994805336},{"text":"Yep.","start":1879.2,"end":1879.7,"sentiment":"neutral","sentiment_score":0.01776324212551117},{"text":"Yep.","start":1887.295,"end":1887.795,"sentiment":"neutral","sentiment_score":0.058403801172971725},{"text":"Mhmm.","start":1894.2,"end":1894.36,"sentiment":"neutral","sentiment_score":-0.01514299400150776},{"text":"Yeah.","start":1894.36,"end":1894.86,"sentiment":"neutral","sentiment_score":-0.02642328292131424}],"sentiment":"neutral","sentiment_score":0.011039997264742852,"num_words":5,"start":1874.24,"end":1894.86},{"sentences":[{"text":"Yeah.","start":1905.08,"end":1905.32,"sentiment":"neutral","sentiment_score":0.09772881120443344},{"text":"I think so too.","start":1905.32,"end":1906.62,"sentiment":"neutral","sentiment_score":0.131902564316988},{"text":"It'll just give me better peace of mind, to be honest.","start":1907.32,"end":1910.335,"sentiment":"neutral","sentiment_score":0.1844378967176784},{"text":"I mean, I don't understand how a government worker can be actually of high risk, but but, you know, there you go.","start":1910.475,"end":1916.175,"sentiment":"neutral","sentiment_score":-0.23306878385218707},{"text":"Change of government and stuff.","start":1922.3151,"end":1923.96,"sentiment":"neutral","sentiment_score":-0.2054966926574707}],"sentiment":"neutral","sentiment_score":-0.08141490175973537,"num_words":43,"start":1905.08,"end":1923.96},{"sentences":[{"text":"Yeah.","start":1924.0399,"end":1924.36,"sentiment":"neutral","sentiment_score":-0.04713700711727142},{"text":"I suppose.","start":1924.36,"end":1924.9199,"sentiment":"neutral","sentiment_score":-0.05296706221997738},{"text":"But Oh, okay.","start":1924.9199,"end":1929.58,"sentiment":"neutral","sentiment_score":-0.21112878868977228},{"text":"Right.","start":1952.82,"end":1953.32,"sentiment":"neutral","sentiment_score":-0.05559903755784035},{"text":"Yeah.","start":1953.62,"end":1954.12,"sentiment":"neutral","sentiment_score":-0.0485772006213665}],"sentiment":"neutral","sentiment_score":-0.11132921697571874,"num_words":8,"start":1924.0399,"end":1954.12},{"sentences":[{"text":"Yes.","start":1965.94,"end":1966.44,"sentiment":"negative","sentiment_score":-0.3626774549484253},{"text":"Yep.","start":1968.335,"end":1968.835,"sentiment":"neutral","sentiment_score":-0.15931826829910278},{"text":"Well, apparently, this is nothing compared to my last one.","start":1972.575,"end":1975.695,"sentiment":"neutral","sentiment_score":-0.2067359983921051},{"text":"So this is a walk in the park compared to my last job.","start":1975.695,"end":1978.495,"sentiment":"neutral","sentiment_score":0.0018391809784449064},{"text":"So, yeah, there we go.","start":1978.495,"end":1980.06,"sentiment":"neutral","sentiment_score":-0.05427644699811936}],"sentiment":"neutral","sentiment_score":-0.09456095298131308,"num_words":30,"start":1965.94,"end":1980.06},{"sentences":[{"text":"Maybe oh, I was working child support dealing with agro customers daily.","start":1980.3,"end":1984.8,"sentiment":"neutral","sentiment_score":-0.10339861673613389},{"text":"Eight hours a day on the phone for five days a week.","start":1984.9401,"end":1988.16,"sentiment":"neutral","sentiment_score":0.012334352630811432},{"text":"So for now, I yeah.","start":1988.6201,"end":1992.3201,"sentiment":"neutral","sentiment_score":0.10595018118619919},{"text":"Beautiful.","start":2006.655,"end":2007.155,"sentiment":"positive","sentiment_score":0.42287278175354},{"text":"Fantastic.","start":2012.5399,"end":2013.0399,"sentiment":"positive","sentiment_score":0.7009145617485046}],"sentiment":"neutral","sentiment_score":0.018089260650618423,"num_words":31,"start":1980.3,"end":2013.0399},{"sentences":[{"text":"Sounds good to me, Shirley.","start":2013.34,"end":2014.64,"sentiment":"positive","sentiment_score":0.6183267116546631},{"text":"Yes.","start":2021.98,"end":2022.435,"sentiment":"neutral","sentiment_score":0.02891618199646473},{"text":"Oh, okay.","start":2025.395,"end":2026.2151,"sentiment":"neutral","sentiment_score":0.059109319001436234},{"text":"Yep.","start":2026.275,"end":2026.775,"sentiment":"neutral","sentiment_score":0.08249722421169281},{"text":"Oh, okay.","start":2034.035,"end":2034.6,"sentiment":"neutral","sentiment_score":0.072300486266613}],"sentiment":"neutral","sentiment_score":0.31507877954705193,"num_words":11,"start":2013.34,"end":2034.6},{"sentences":[{"text":"Yeah.","start":2045.32,"end":2045.82,"sentiment":"neutral","sentiment_score":0.043864473700523376},{"text":"Once it's editing, next documents, Validate and send completed documents.","start":2045.88,"end":2052.665,"sentiment":"neutral","sentiment_score":0.03866455405950546},{"text":"I've got the circle of I won't say I wasn't I wasn't I wasn't even gonna say I was just gonna say the circle because yeah.","start":2054.645,"end":2066.8398,"sentiment":"neutral","sentiment_score":-0.08354358962522103},{"text":"This because the Internet out here is not the best, and I'm working from home today.","start":2066.8398,"end":2070.8398,"sentiment":"neutral","sentiment_score":-0.12433001631870866},{"text":"So I just wanna make sure.","start":2070.8398,"end":2073.26,"sentiment":"neutral","sentiment_score":0.00703404238447547}],"sentiment":"neutral","sentiment_score":-0.06252032750428228,"num_words":59,"start":2045.32,"end":2073.26},{"sentences":[{"text":"Oh, gosh.","start":2079.505,"end":2080.165,"sentiment":"neutral","sentiment_score":-0.0038583315908908844},{"text":"I'm with Optus at the moment.","start":2080.225,"end":2081.505,"sentiment":"neutral","sentiment_score":0.005336571329583724},{"text":"It's, like, $98 a month, and I tried to do a comparison.","start":2081.505,"end":2084.485,"sentiment":"neutral","sentiment_score":-0.003806100459769368},{"text":"You will you will get the signed documents via email.","start":2085.665,"end":2089.045,"sentiment":"neutral","sentiment_score":0.05774952992796898},{"text":"It's signed.","start":2089.185,"end":2090.005,"sentiment":"neutral","sentiment_score":0.0611669160425663}],"sentiment":"neutral","sentiment_score":0.021201834082603455,"num_words":32,"start":2079.505,"end":2090.005},{"sentences":[{"text":"Okay.","start":2095.01,"end":2095.51,"sentiment":"neutral","sentiment_score":0.10324521362781525},{"text":"Oh, cool.","start":2096.1301,"end":2096.61,"sentiment":"neutral","sentiment_score":0.32368704676628113},{"text":"Yeah.","start":2096.61,"end":2097.11,"sentiment":"neutral","sentiment_score":0.09017950296401978},{"text":"Okay.","start":2118.405,"end":2118.725,"sentiment":"neutral","sentiment_score":0.18280285596847537},{"text":"Oh, okay.","start":2118.725,"end":2119.5452,"sentiment":"positive","sentiment_score":0.3871573805809021}],"sentiment":"neutral","sentiment_score":0.2568452038935253,"num_words":7,"start":2095.01,"end":2119.5452},{"sentences":[{"text":"Who's that with?","start":2127.81,"end":2128.61,"sentiment":"neutral","sentiment_score":0.01736288859198491},{"text":"Timor?","start":2128.61,"end":2129.11,"sentiment":"neutral","sentiment_score":-0.0020878883078694344},{"text":"Who's that with?","start":2130.9302,"end":2131.9102,"sentiment":"neutral","sentiment_score":-0.006388246392210324},{"text":"Starlink.","start":2134.1301,"end":2134.6301,"sentiment":"neutral","sentiment_score":0.023290997371077538},{"text":"Okay.","start":2140.985,"end":2141.485,"sentiment":"neutral","sentiment_score":0.038593415170907974}],"sentiment":"neutral","sentiment_score":0.010302272314826647,"num_words":9,"start":2127.81,"end":2141.485},{"sentences":[{"text":"Okay.","start":2160.77,"end":2161.1702,"sentiment":"neutral","sentiment_score":0.055862750858068466},{"text":"That's alright.","start":2161.1702,"end":2161.99,"sentiment":"neutral","sentiment_score":0.10098714381456377},{"text":"Well, Fast Reliable Home Internet at the moment, but no upfront hardware costs in selected areas servicing at 75 a month.","start":2162.1301,"end":2169.205,"sentiment":"neutral","sentiment_score":0.1404528600119409},{"text":"Okay.","start":2169.205,"end":2169.705,"sentiment":"neutral","sentiment_score":0.11698859930038452},{"text":"I've got that on the thing, and I'll look into that because I did go into, yeah, compare, and they're all pretty much the same, if not higher.","start":2169.925,"end":2179.365,"sentiment":"neutral","sentiment_score":0.16837996803224087}],"sentiment":"neutral","sentiment_score":0.1516787698668129,"num_words":53,"start":2160.77,"end":2179.365},{"sentences":[{"text":"So thank you for that.","start":2179.365,"end":2180.325,"sentiment":"positive","sentiment_score":0.6511654019355774},{"text":"I'll have a look.","start":2180.325,"end":2181.18,"sentiment":"neutral","sentiment_score":0.28566303104162216},{"text":"Anywhere where I can save a bath will be great.","start":2181.26,"end":2183.44,"sentiment":"positive","sentiment_score":0.4663902670145035},{"text":"Yeah.","start":2188.22,"end":2188.72,"sentiment":"neutral","sentiment_score":0.07888379693031311},{"text":"No.","start":2211.15,"end":2211.39,"sentiment":"neutral","sentiment_score":0.10177893191576004}],"sentiment":"positive","sentiment_score":0.44014497775407063,"num_words":21,"start":2179.365,"end":2211.39},{"sentences":[{"text":"You've been marvelous.","start":2211.39,"end":2212.6099,"sentiment":"positive","sentiment_score":0.7093642354011536},{"text":"Thank you so much.","start":2212.75,"end":2213.71,"sentiment":"positive","sentiment_score":0.8437704592943192},{"text":"You've actually just in time for my next appointment.","start":2213.71,"end":2216.3699,"sentiment":"positive","sentiment_score":0.6346984936131371},{"text":"I'll go and get my son from school to take to his doctor, so thank you very much for that.","start":2216.43,"end":2221.41,"sentiment":"positive","sentiment_score":0.5642920687794686},{"text":"Awesome.","start":2227.045,"end":2227.545,"sentiment":"positive","sentiment_score":0.5716907382011414}],"sentiment":"positive","sentiment_score":0.6235944080997158,"num_words":37,"start":2211.39,"end":2227.545},{"sentences":[{"text":"Awesome.","start":2232.085,"end":2232.565,"sentiment":"positive","sentiment_score":0.7082495093345642},{"text":"Thank you, Sylvia.","start":2232.565,"end":2233.4448,"sentiment":"positive","sentiment_score":0.722708543141683},{"text":"Appreciate all your hard work.","start":2233.4448,"end":2234.9048,"sentiment":"positive","sentiment_score":0.37556124180555345},{"text":"Okay.","start":2235.525,"end":2236.025,"sentiment":"neutral","sentiment_score":0.11470220237970352},{"text":"Bye.","start":2236.085,"end":2236.585,"sentiment":"neutral","sentiment_score":-0.09772147238254549}],"sentiment":"positive","sentiment_score":0.43374200707132166,"num_words":11,"start":2232.085,"end":2236.585}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Can you hear me, Debbie?\n\nChannel 0: Hey. Sorry, Naomi. I'm not too sure what happened there. It's\n\nChannel 1: Oh,\n\nChannel 0: for some reason, my my my headset just I couldn't hear anything.\n\nChannel 1: that's fine. I did try to call back because I'm\n\nChannel 0: Oh,\n\nChannel 1: really lucky. I've got the recording. And I thought,\n\nChannel 0: right. Okay.\n\nChannel 1: I'll\n\nChannel 0: Right.\n\nChannel 1: I'll wait\n\nChannel 0: Well,\n\nChannel 1: for\n\nChannel 0: I\n\nChannel 1: you.\n\nChannel 0: called\n\nChannel 1: I'll wait\n\nChannel 0: you back.\n\nChannel 1: for\n\nChannel 0: We're playing\n\nChannel 1: Nicole.\n\nChannel 0: a bit of phone tag. That's alright. I've just sent you out a statement of advice. I wanna walk you through it. Just it's not the best, not the best outcome.\n\nAnd the reason for that is because we tried to do takeover terms before. And owing to health conditions, we weren't able to do it, and that's still the case no matter how hard I\n\nChannel 1: Yes.\n\nChannel 0: fought tooth and nail\n\nChannel 1: Oh, okay.\n\nChannel 0: for those insurances. But\n\nChannel 1: Yep.\n\nChannel 0: I do have a recommendation that's gonna get you closer towards us, you know, that 700,000 that we're talking about the other day.\n\nChannel 1: Okay.\n\nChannel 0: Okay?\n\nChannel 1: Cool.\n\nChannel 0: So I've sent you out a Odoo site. You should have received it in your emails. Do you have access to your emails? Or\n\nChannel 1: Yep. I've just got it, and I've just pulled it up. I've just saved the the ages of my kids on the form, which is probably the ages they were when I first did it. So it's whether or not that needs to be updated.\n\nChannel 0: it's not the end of the world, but, yes, it does\n\nChannel 1: Okay.\n\nChannel 0: need to be updated. Yeah. Two kids, nine and seven on page six. Correct?\n\nChannel 1: Yes. Yes. So they're\n\nChannel 0: Mhmm.\n\nChannel 1: currently 10 and\n\nChannel 0: 10 and 12.\n\nChannel 1: 12.\n\nChannel 0: Makes sense. Wow.\n\nChannel 1: Yes.\n\nChannel 0: That's that's yeah. Sorry about that. I'm not too sure\n\nChannel 1: No.\n\nChannel 0: why\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: okay.\n\nChannel 0: wasn't updated, but everything else I know that I I I've wrote down single, but I didn't know\n\nChannel 1: Yeah.\n\nChannel 0: because\n\nChannel 1: Not\n\nChannel 0: of\n\nChannel 1: single.\n\nChannel 0: our last decision. Yeah. Okay. Gotcha.\n\nChannel 1: Yep.\n\nChannel 0: Gotcha.\n\nChannel 1: Yep.\n\nChannel 0: Alright. Perfect. Well, let's let's skip down. The the those are just kind of like it doesn't really affect the strategy as such\n\nChannel 1: Yep.\n\nChannel 0: because\n\nChannel 1: Okay.\n\nChannel 0: we're looking at the the superannuation insurance strategy between hub twenty four and PSSAB. Okay? So if we wanna skip down to page eight, this is where your insurance is currently live with with that\n\nChannel 1: Yes.\n\nChannel 0: PSSAP insurance policy, paying\n\nChannel 1: Sure.\n\nChannel 0: 80 well, $1,871.28 for that life, TPD, and income protection.\n\nChannel 1: Yep.\n\nChannel 0: Now I've I did a bit of a recommendation regarding your investment\n\nChannel 1: Okay.\n\nChannel 0: portfolio with Hub twenty four, and I wanna walk you through that. We're not taking too much more risk from what we're already doing. It's actually just rebalancing back to the eighty five fifteen, 85% invested into kinda growth assets, the sort\n\nChannel 1: Sure.\n\nChannel 0: of assets we call them, and the other 15% in defensive assets. Right? And\n\nChannel 1: Okay.\n\nChannel 0: what I'm going to be recommending is a portfolio that essentially will be saving you $613 a year in fees,\n\nChannel 1: Beautiful.\n\nChannel 0: but there is a capital gains tax.\n\nChannel 1: Oh, okay.\n\nChannel 0: Yeah. So you pay 15% on the capital gains inside super if you sell and crystallize on that. But because you got quite a lot of time until retirement, I worked out the math, and this the capital the CGT liability of doing this is $1,735. But I've done the numbers, and the short term hit is worth the long term gain. Okay?\n\nSo what I'd like you to do is skip down to page 14, please. You'll see a fee comparison.\n\nChannel 1: Yep.\n\nChannel 0: So currently, with your $295,528 in your HOP 24 and $16,117 in PSSAP, Those are the fees. So the administration fees, $1.02 $0.09, that doesn't change because that's the same as across the board.\n\nChannel 1: Okay.\n\nChannel 0: But you'll notice that the investment fee is for HOP 24. Obviously, it'll be the same. I'm gonna leave $16,000 in your PSSAP fund.\n\nChannel 1: Okay.\n\nChannel 0: Alright? The reason for that is because you're contributing to hub and you've got insurances. There\n\nChannel 1: Yep.\n\nChannel 0: is a minimum required balance of $10,000. So I don't\n\nChannel 1: Okay.\n\nChannel 0: wanna roll over $6 and then, you know, they they not be contributions in there and then it drops below and then have any\n\nChannel 1: Yeah.\n\nChannel 0: sort of\n\nChannel 1: Yeah.\n\nChannel 0: risk\n\nChannel 1: Yeah.\n\nChannel 0: of canceling those insurances because\n\nChannel 1: Yeah.\n\nChannel 0: that's the last thing we want. Right?\n\nChannel 1: 100%. Yep.\n\nChannel 0: So that's the first the first reason why I'm retaining that. Now you'll see that in the investment fee, it's saving that $644 and $0.5.24, and I'll show you why in a second. But when you look at the difference, the last column, you'll see the one\n\nChannel 1: Yep.\n\nChannel 0: thousand $735 between the the balances for the current and recommended. Right? That's our capital gain. So I wanna make sure that you can see that we've actually taken out that initial crystallized CGT event. And if you look at everything else, nothing else really changes other than the adviser\n\nChannel 1: Okay.\n\nChannel 0: service fee, and that's $31 more expensive over the year. And\n\nChannel 1: Okay.\n\nChannel 0: the reason for that is because in our calculations for your current, it's based at the the way that we do the numbers is we base it on what your current balance is over the twelve months for current.\n\nChannel 1: Sure.\n\nChannel 0: But recommended, we expect you to grow a little bit. And\n\nChannel 1: Yeah.\n\nChannel 0: that one\n\nChannel 1: Yeah.\n\nChannel 0: point 65%, that that's where that extra little bit comes from.\n\nChannel 1: Okay.\n\nChannel 0: But if you go down to the five year rolling average between the console or aggregated return of Hub 24 and PSSAP,\n\nChannel 1: Mhmm.\n\nChannel 0: You'll see that overall outside of the initial capital gains tax, we are saving you point 18% in percentage fees, which is $613 over the year.\n\nChannel 1: Yep.\n\nChannel 0: And you'll see the growth rates increased by 2.34%.\n\nChannel 1: Mhmm.\n\nChannel 0: Now if we go down to the next page,\n\nChannel 1: Yeah.\n\nChannel 0: we're looking at your lump sum or comparison in five years, lump sum comparison in ten years.\n\nChannel 1: Okay. There's a big\n\nChannel 0: At\n\nChannel 1: difference,\n\nChannel 0: the\n\nChannel 1: isn't it?\n\nChannel 0: correct. And that's the beauty of compounding return. You know, 2% doesn't sound like much, but if you're looking at it over every year compounding up, it ends up being quite a lot snowball, you call it?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Snowball\n\nChannel 1: Yep.\n\nChannel 0: effect.\n\nChannel 1: Yep.\n\nChannel 0: So it's not quite at that 700,000 that we wanted to get to, but it's a hell of a lot closer.\n\nChannel 1: It's\n\nChannel 0: Okay.\n\nChannel 1: Clarissa. Yes. Absolutely.\n\nChannel 0: Correct. And, I mean, look,\n\nChannel 1: Yep.\n\nChannel 0: the what I also like to point out is when you look at the those tables underneath your current aggregate portfolio,\n\nChannel 1: Mhmm.\n\nChannel 0: so this is the this is the return of the combined PSSAP for insurance purposes retention as well\n\nChannel 1: Yep.\n\nChannel 0: as the HUB 24. You can see the hub 24 portfolios outperformed the PSSAP every every kind of rolling average as well as the last twelve months.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Okay?\n\nChannel 1: Yep.\n\nChannel 0: But I wanna add them together and work out well, you're gonna be retaining both of them. So what would happen if we continue this way? Right?\n\nChannel 1: Sure.\n\nChannel 0: So I I wanna point out that I did those returns for the five year and ten year. We used a five year rolling average. And the reason\n\nChannel 1: Okay.\n\nChannel 0: why I do a five year rolling average is because it's the lowest amount, and it's the longest time horizon that's available for those investments. Okay?\n\nChannel 1: Sure.\n\nChannel 0: So, you know, we always wanna be more conservative than not. If we\n\nChannel 1: Mhmm.\n\nChannel 0: give you higher, fluffy numbers, I could use a three year return and get you to the 700,000. I don't wanna do that because I'd rather, you know, give you a lower amount now and try and exceed it rather than give you a\n\nChannel 1: Yeah.\n\nChannel 0: high fluffy number and probably not quite reach it. Right?\n\nChannel 1: 100%. Yep. Happy\n\nChannel 0: Yes.\n\nChannel 1: with that. Yep. Yep.\n\nChannel 0: So looking at that difference, it does get you a hell of a lot closer. But if you go on to the next page, I'll show you why. K?\n\nChannel 1: Yep.\n\nChannel 0: The majority of the fee savings in your hub 24 so you can see p s s a p, my super ballast, that we're not changing. We're not buying or selling anything. It's\n\nChannel 1: Mhmm.\n\nChannel 0: zero\n\nChannel 1: That\n\nChannel 0: and\n\nChannel 1: is done. That's fine.\n\nChannel 0: yeah. Correct. And but in hub 24, you'll see that we are selling the Global X battery\n\nChannel 1: Yep.\n\nChannel 0: tech lithium\n\nChannel 1: Yep.\n\nChannel 0: because it's had us run. It's done incredibly well. You did have 5% in the initial recommendation. Now you see 8.64%\n\nChannel 1: Think\n\nChannel 0: of your\n\nChannel 1: so.\n\nChannel 0: portfolio. That's done well. So it crystallized. That's where these capital gains come from because you had a capital gain. Right?\n\nChannel 1: Okay.\n\nChannel 0: You don't pay\n\nChannel 1: Yep.\n\nChannel 0: tax on that. You the majority of your savings majority of your fees in savings, should I say, is coming from that Benelon Australian Equities Fund. Now do you remember when I was telling you about that?\n\nChannel 1: Yeah. That's dodgy.\n\nChannel 0: Yeah. The dodgy the dodgy in\n\nChannel 1: The dodgy\n\nChannel 0: any\n\nChannel 1: glasses.\n\nChannel 0: section. Yeah. Yeah. No. Well, they they are not.\n\nThat's the thing. I wanna make sure that we differentiate it. They just didn't the fund manager, Barqish, he ended up investing into a company that, honestly, on paper, looked perfectly fine. But,\n\nChannel 1: Yes.\n\nChannel 0: like I said, it's it's it's not as ethical plays in the game, which is quite frustrating, especially when we're recommending the the goodwill and the, you know, the performance of a managed fund that we don't control. So\n\nChannel 1: Yes.\n\nChannel 0: I looked at do you remember when I talked about the SMA with BlackRock that we've teamed up with? So I'm not gonna recommend that. The reason for that is because the performance wasn't quite it wasn't really a product for you.\n\nChannel 1: Yes. Okay.\n\nChannel 0: At your agent stage, it just it it wasn't in your best interest, and that's all we kind of need to look at. Now\n\nChannel 1: Mhmm.\n\nChannel 0: I'm also selling out of cyber security. I'm actually gonna increase your gold exposure because the markets are extremely extremely overpriced at the moment, and\n\nChannel 1: Okay.\n\nChannel 0: gold is what we consider a safe haven. The goal is the safe haven. You know, when market's full, gold goes up.\n\nChannel 1: Yep.\n\nChannel 0: We're\n\nChannel 1: Yep.\n\nChannel 0: gonna just increase your exposure not by much, only by about just just under 2%, by about $5. Make it 10% in gold. We're gonna sell out of your Australian bankable hybrids, so those are hybrid bonds,\n\nChannel 1: Okay.\n\nChannel 0: and we're going to add more exposure into Europe. You don't have any European shares at the moment, but Europe's fine. We're seeing some good traction in Europe as well\n\nChannel 1: Okay.\n\nChannel 0: as very more importantly, Japan, the Nikkei.\n\nChannel 1: Right. Yep.\n\nChannel 0: Japan's\n\nChannel 1: Yep.\n\nChannel 0: this funny funny funny thing. We have seen Japan it's it's it's a very intergenerational culture as a whole. You know what I mean? They they as a as a culture, they they they're essentially planning for future generations, and they've been\n\nChannel 1: Yeah.\n\nChannel 0: doing so\n\nChannel 1: Yeah.\n\nChannel 0: forever. And it feels like we've always kept our eye on Japan than the guy in the Japanese market. And we it's the the look, the GDP has\n\nChannel 1: Yep.\n\nChannel 0: just continuously gone down. And\n\nChannel 1: Okay.\n\nChannel 0: the if you look at the overall kind of index pricing point, it's very undervalued, but it's for some reason, it just continued to go further, further undervalued. That means\n\nChannel 1: Yes.\n\nChannel 0: you'd lose money. But we're starting to see a turnaround, and it's almost like the all the the foundational work from past generations are really picking up and realizing those gains now. So we wanna take advantage of that. Not\n\nChannel 1: Cool.\n\nChannel 0: taking too\n\nChannel 1: Okay.\n\nChannel 0: much exposure, only 5% of your overall assets in that, which in HOP '24, should I say, is a little bit less than 5%. But it's I think it's worth the bet.\n\nChannel 1: Yep. A plastic.\n\nChannel 0: Beautiful.\n\nChannel 1: It's your specialty.\n\nChannel 0: Yeah. Well, we try our best. We've been doing pretty good as you can see from the past returns that\n\nChannel 1: Yep.\n\nChannel 0: Keep in mind, past performance is no indication of future performance. I\n\nChannel 1: Yeah. I get\n\nChannel 0: I\n\nChannel 1: it.\n\nChannel 0: don't\n\nChannel 1: Yeah. I understand.\n\nChannel 0: I don't have a crystal ball.\n\nChannel 1: No. Wouldn't\n\nChannel 0: If you\n\nChannel 1: it be\n\nChannel 0: have\n\nChannel 1: lovely\n\nChannel 0: one,\n\nChannel 1: if\n\nChannel 0: please,\n\nChannel 1: we all\n\nChannel 0: yeah,\n\nChannel 1: did?\n\nChannel 0: please let me know. That'll be amazing. Make my job a lot easier with both the sipping pina coladas on the beaches somewhere around\n\nChannel 1: Oh,\n\nChannel 0: the\n\nChannel 1: lovely.\n\nChannel 0: world. Yep. But, yeah, we don't. So and any asset manager that tells you that they do have an idea on what's gonna happen, they are blatantly lying to you. You not trust them at all.\n\nChannel 1: Okay. Yep.\n\nChannel 0: You're I'm selling out of Australian property.\n\nChannel 1: Yep. Okay.\n\nChannel 0: And the reason for that is because you look around, so it's pretty expensive to get into the property market, especially commercial space as well. Okay? So now they're all saying buy low, sell high. We're selling\n\nChannel 1: Yep.\n\nChannel 0: high and we're new. You know, we don't wanna take that kind of risk because it might be a bit of a debt. So why\n\nChannel 1: Yep.\n\nChannel 0: invest in it?\n\nChannel 1: Sure.\n\nChannel 0: K. We you'll notice that we're increasing your core composite bonds. IAF is the thicker code.\n\nChannel 1: Okay.\n\nChannel 0: That is the it's an I shares of BlackRock product. That's in the big four banks in Australia, essentially. They yeah. Yeah. There's just very stable triple a rated bank bill bonds.\n\nSo,\n\nChannel 1: Mhmm.\n\nChannel 0: yeah, you're gonna get paid out dividends from that and by way of income. And if you go down, we're gonna add some exposure. You'll see that we are actually changing your Rappi Australian top two. So the there's a difference between a the beta shares, the keywords. So beta shares Rappi Australian 200.\n\nChannel 1: Yep.\n\nChannel 0: We're selling now that, and we're gonna take about 20% exposure into the BetaShares straight Australian 200.\n\nChannel 1: 200.\n\nChannel 0: Reason\n\nChannel 1: Yeah.\n\nChannel 0: yeah. That's the bottom asset. So the reason there's the reasoning behind that is do you know what the RAFI index is? Do you know what it kind of power works for? Do do you do you wanna know, or does it not really matter?\n\nIt's pretty interesting.\n\nChannel 1: Yep. Yeah. If you want to, you know, sort of give me a quick rundown, that'll be fine.\n\nChannel 0: Yeah. No. It's well, I mean, it's your money. You know? At the end\n\nChannel 1: Yep.\n\nChannel 0: of the day, we're managing your money, and it pulls my money. I would want to know what what I'm putting what what somebody's putting my money in and\n\nChannel 1: And\n\nChannel 0: why.\n\nChannel 1: fair enough. Yep.\n\nChannel 0: You\n\nChannel 1: Yep.\n\nChannel 0: know what I mean? So when you're looking at rapid index, it's almost like a so in index funds, which is, say, your IVV, your S and P, ISHES, S and P 500, how an index works as a whole is when you say, look at the top 500 companies in America. Right? It's let's say, I think,\n\nChannel 1: Okay.\n\nChannel 0: NVIDIA is the largest. It's got about it's worth about five point, you know, for\n\nChannel 1: Yep.\n\nChannel 0: $5,000,000,000,000 at the moment is the current value of that company huge. Now but the the let's just say the I think the S and P is worth about 45. So just for number's sakes, let's say 50,000,000,000,000\n\nChannel 1: Jesus.\n\nChannel 0: dollars is EAs in the overall market. And as an index, if you wanted to invest, say, a $100 of your money, okay, into the S and P 500 index, then you would be looking at buying it in line with what the market capitalization is all the way down to the 500. And I think it's 504, 505 constituents. So if NVIDIA's worth 5,000,000,000,000 of the 50,000,000,000,000, that's 10%. So\n\nChannel 1: Okay.\n\nChannel 0: that means $10,000, 10% of your 100,000 will be invested into that Nvidia stock. And\n\nChannel 1: Okay.\n\nChannel 0: then it will go to the next one, which I believe is somewhere like Apple maybe. Apple, Google, Microsoft, Amazon, those big players. It\n\nChannel 1: Yeah.\n\nChannel 0: will go into\n\nChannel 1: Yeah. I've\n\nChannel 0: the\n\nChannel 1: been\n\nChannel 0: next\n\nChannel 1: fine.\n\nChannel 0: one, then it'll go\n\nChannel 1: Yeah.\n\nChannel 0: slowly go all the way down to the 500 constituent. And there's a benefit for that. It's really good investment over the long term.\n\nChannel 1: Yes.\n\nChannel 0: The reason for that is because, you know, NVIDIA used to be the five hundredth largest company. And\n\nChannel 1: Ross.\n\nChannel 0: that means that you've been holding shares all the way at that lower value of what the share price was worth.\n\nChannel 1: Yes.\n\nChannel 0: All the way up. And the more it grows, the more you kinda buy more, and it double cost average all the way up. That's why it's such a good investment. Now the RAPI index, it's it's it's it's for the the specific share. It's changing from the QoS to the a 200.\n\nSo QoS, the RAPI index is is is takes in almost like an economist approach where\n\nChannel 1: Okay.\n\nChannel 0: it doesn't just invest as per that index approach I explained before. What what happens is they look more into the fundamentals of how companies are doing. So a good example is Netflix. Right? Netflix used to be I think it was, like, twentieth or eighteenth largest company on the planet, right,\n\nChannel 1: Okay.\n\nChannel 0: in America. So that means it would be the twentieth or eighteenth, somewhere around that largest holding of your example, the $100. Right? But\n\nChannel 1: Yes.\n\nChannel 0: if you look at the balance sheets for five years in a row, net Netflix didn't make a profit. So it's not a great share to buy. It's just kind of hyped up on social bias. Right? So\n\nChannel 1: Yep.\n\nChannel 0: it would still be considered in the RAFI index, but it wouldn't be the twentieth largest holding like a normal index. It would be maybe the fifteenth or something like that.\n\nChannel 1: Okay.\n\nChannel 0: Does that make sense? So it looks more into the fundamentals of the actual companies themselves and\n\nChannel 1: Yes.\n\nChannel 0: allocate it that way. It was it was created by an economist Indian economist back in the day. And it says it's a good investment, but we are seeing it it's quite expensive for that investment. So,\n\nChannel 1: Okay.\n\nChannel 0: therefore, the a 200, the BetaShares Australia 200, is, again, it's just changing straight to the flat index again. And we are seeing that the Australian dollar is actually quite strong compared\n\nChannel 1: Okay.\n\nChannel 0: to the wars and everything going on overseas. So for that reason, we, you know, we can save some money in fees. And\n\nChannel 1: Okay.\n\nChannel 0: not only that, we can still have exposure to domestic equities in an index style.\n\nChannel 1: Perfect.\n\nChannel 0: So\n\nChannel 1: Yep.\n\nChannel 0: that's that's pretty much where we at. And then I wanted to take a little bit of 8% exposure, which is the Vanguard View, v e u. And we call it View because it's the all world outside of The US.\n\nChannel 1: Okay.\n\nChannel 0: So so the the the that's the last one I'm gonna talk about because it's important. When you're looking at the the overall if you take every stock exchange around the world and\n\nChannel 1: Mhmm.\n\nChannel 0: you add them all together, the American market, which consists of the S and P five hundred the S and P five hundred, sorry, Consists of the New York Stock Exchange, Nasdaq, Dow Jones, CBOE. There's a lot of different exchanges throughout America.\n\nChannel 1: Yep.\n\nChannel 0: Whereas, let's say, for example, Australia, we've got the ASX and the NSX, the Australian Stock\n\nChannel 1: Yeah.\n\nChannel 0: Exchange, National Stock Exchange. That's it. Right? America's got, like, I think,\n\nChannel 1: A lot\n\nChannel 0: something\n\nChannel 1: more.\n\nChannel 0: like\n\nChannel 1: Yes.\n\nChannel 0: 25, 30 different exchanges. So if you add all the world's listed companies into one big pool, America makes up about 61% of it.\n\nChannel 1: Okay.\n\nChannel 0: K? So there's a good saying is if America sneezes, the rest of the world captures the cold.\n\nChannel 1: Yep.\n\nChannel 0: Right? And that's it's so true because if America overnight falls and collapses by, like, 10%, let's say, or 5%, the rest of the world you see usually goes down. Right?\n\nChannel 1: Yes.\n\nChannel 0: Because people get scared, and that's because of that exact nature of it. When they sneeze, everyone else kinda gets a little bit of a cold from it.\n\nChannel 1: Yes.\n\nChannel 0: So what I wanted to do was take a little bit of we needed to get out of out of a concentration of America, and that that's solely because if you're looking at the S and P 500, your IVP, you got 30% of your holdings is in that, which is America. Your\n\nChannel 1: Yep.\n\nChannel 0: if you're looking at, you know, physical gold, that gold is it's all around the world. I'm trying to diversify away from whole America, especially with the volatility going on and everything being so overvalued. K? So Vanguard View is the view of the whole world, like I said, in the big pool, but just take out the 61%, which is America. So it takes advantage\n\nChannel 1: Yes.\n\nChannel 0: of all sorts of emerging markets, India, China, or everywhere outside of America, which is a good it's actually a good place to be, especially when you're looking at, you know, the the Donald Trump's and the policies coming out and a few\n\nChannel 1: Yeah. I see.\n\nChannel 0: of\n\nChannel 1: I took\n\nChannel 0: the\n\nChannel 1: it\n\nChannel 0: few\n\nChannel 1: with\n\nChannel 0: of\n\nChannel 1: that on\n\nChannel 0: the\n\nChannel 1: my mouth\n\nChannel 0: thing.\n\nChannel 1: with Trump.\n\nChannel 0: Yeah.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Exactly. And you're already taking it at 30 exposure of your portfolio in it. So let's try and get a different view.\n\nChannel 1: Yep.\n\nChannel 0: I'm such a nerd. I'm such a nerd. I'm sorry.\n\nChannel 1: No. I appreciate\n\nChannel 0: Yeah.\n\nChannel 1: it. I want you\n\nChannel 0: Yeah.\n\nChannel 1: to\n\nChannel 0: But\n\nChannel 1: be.\n\nChannel 0: yeah. So you get yeah. V u, Vanguard or WorldX US, you get a different view of the scope. And that that portfolio, essentially, if you if you invested in that portfolio five years ago, you would have achieved 11.39% on average every year\n\nChannel 1: Yep.\n\nChannel 0: instead\n\nChannel 1: That's big\n\nChannel 0: of\n\nChannel 1: enough.\n\nChannel 0: eight point\n\nChannel 1: Yeah.\n\nChannel 0: 9%. Yeah. But you'll notice that, you know, over three years, it's larger, but over five over twelve months as well, it's larger as well. And that's just you know, it's we we can't always nail it every time, but, hey, it's at least you you know, in the last three years, your portfolio grew by 12 almost 13%\n\nChannel 1: Yeah.\n\nChannel 0: every year compared\n\nChannel 1: Yep.\n\nChannel 0: to PSSAP's nine nine point\n\nChannel 1: Yeah.\n\nChannel 0: nine,\n\nChannel 1: Yeah.\n\nChannel 0: so almost\n\nChannel 1: That's\n\nChannel 0: 10.\n\nChannel 1: Awesome.\n\nChannel 0: You know, that's what we we wanna try and get about 3% more than what your what our competitors\n\nChannel 1: Previously.\n\nChannel 0: are doing. Over the five years, you can see it's more than that. It's closer to 5% better off.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Does that all make sense? Or\n\nChannel 1: Yeah. No. You made it pretty clear, so I appreciate that. Thank you.\n\nChannel 0: no. That's right. That's my job. I hope so. Now on page 18, this is what we call unveiling the portfolio.\n\nSo this\n\nChannel 1: Yep.\n\nChannel 0: is what it looks like. You know? So out of all those different assets, all the reds and the greens and all the different portfolios and percentages and whatever else, what is it actually invested in?\n\nChannel 1: Yep.\n\nChannel 0: So with that pie chart, if you look at the way, that's how your portfolio we we wanna diversify. Now you'll see that in your Australian equity section, your existing international equities property as well as alternative growth assets, which is essentially that gold,\n\nChannel 1: Yep.\n\nChannel 0: with your growth total, you'll see that you're currently taking 82.74% worth of growth assertive assets, which is volatility. That's they can go up and down quite quite quickly.\n\nChannel 1: Right.\n\nChannel 0: Whereas the defensive assets are fixed interest bonds, fixed credit, stuff like that, as well as cash, we are reducing that fixed interest down to 13.91%.\n\nChannel 1: Yep.\n\nChannel 0: So, essentially, you know, you're looking at increasing your risk by about three two and a half percent.\n\nChannel 1: Okay.\n\nChannel 0: K? So I wanna make that clear. So there\n\nChannel 1: Yeah.\n\nChannel 0: is a tiny bit more risk, but like I said before, in line with your risk profile of being growth\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. For a six six year approximate time horizon, your you know, you've got more than six years. So six years is considered a good time horizon for a growth portfolio. That\n\nChannel 1: Okay.\n\nChannel 0: means that if you look at past performance, that no time in a eighty five fifteen portfolio would you have ever been down with that kind of risk profile. So that that comes to risk tolerance. So do you have the tolerance to be able to make money back after a significant event, like GFC is good example.\n\nChannel 1: Yeah.\n\nChannel 0: There's a great, great chart. It's called an Andex chart, a n d e x. You can actually type it in if you are interested, and you can see the growth of different assets. I think there's the index shows the Australian index, and it's from eight from 1950 up until 2025. So\n\nChannel 1: Okay.\n\nChannel 0: '70 so seventy five year time horizon shows the growth of Australian shares, international shares, or US shares. Shows the average return over that 75. If you're interested, it's pretty pretty cool. You just go are you in front of a computer now? Or\n\nChannel 1: A n. Yep. Yep.\n\nChannel 0: open up a new tab\n\nChannel 1: Yep.\n\nChannel 0: and just type in a n d e x\n\nChannel 1: A\n\nChannel 0: chart.\n\nChannel 1: n\n\nChannel 0: D for\n\nChannel 1: Oh,\n\nChannel 0: delta.\n\nChannel 1: b.\n\nChannel 0: Yep. D for Delta, sir. A ForAlphaN for Nelly, d for delta, e for echo, x for X-ray.\n\nChannel 1: Thank you.\n\nChannel 0: And then AndexChart, it should be the top one in Google. Open\n\nChannel 1: Yep.\n\nChannel 0: that up.\n\nChannel 1: I'm\n\nChannel 0: There should be a big\n\nChannel 1: hold\n\nChannel 0: colorful\n\nChannel 1: on.\n\nChannel 0: yep. Where it says order. Just click\n\nChannel 1: Yep.\n\nChannel 0: on that chart, and then it should come up on the left. Just there's a magnifying glass. Click on that magnifying glass.\n\nChannel 1: Oh, yeah. Yeah. Yeah. Cool.\n\nChannel 0: Okay.\n\nChannel 1: Oh,\n\nChannel 0: So\n\nChannel 1: wow.\n\nChannel 0: you see that yeah. So there's a lot going on. But the if you start with this, the growth of a 100 Australian dollars with no acquisition cost taxes and or income reinvested. Can you see that on the left hand side?\n\nChannel 1: I've got Internet. Oh, sorry. It's looking around for me. International Equiset Australia. Yep.\n\nThere we go. That's the one.\n\nChannel 0: So so it should be the 2025 Andex chart for Australian investors.\n\nChannel 1: Amazing. Why is it\n\nChannel 0: So let's go back. If you go to\n\nChannel 1: not?\n\nChannel 0: andex dot com dot a u,\n\nChannel 1: Yep.\n\nChannel 0: and there should be just the order the order the Andex chart for Australian investors.\n\nChannel 1: Oh, there we go. Yeah. I've got that. Yep. 2025\n\nChannel 0: See?\n\nChannel 1: top.\n\nChannel 0: Again, so now at the far left, bottom left, it's the growth of a $100 in 1950. At the very bottom, it says 50. Do you see that?\n\nChannel 1: Yes. Gotcha. Yep. Yep. Yep.\n\nChannel 0: So that's 1950,\n\nChannel 1: '19\n\nChannel 0: and\n\nChannel 1: '50.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: is every year all the way up to 2020\n\nChannel 1: Oh,\n\nChannel 0: '5.\n\nChannel 1: well. Well, well, right, right, Yep. I'm with you\n\nChannel 0: So\n\nChannel 1: now. Sorry, Debbie.\n\nChannel 0: so no. No. That's alright. That's alright. So if we go back to the very beginning, this is the growth of if you invested a $100 into the Australian market with no acquisition costs or or equal ICI and direct cost ratios or taxes and every piece of income that you receive from the dividends, you reinvested back into that market.\n\nChannel 1: Yeah.\n\nChannel 0: Right?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: The dark blue line, you can see the first kind of the the major first major drop was in the seventies, mid seventies industrial industrial\n\nChannel 1: Yeah. Yep.\n\nChannel 0: drop there.\n\nChannel 1: Yeah.\n\nChannel 0: I think it was a massive industrial drop there, and that was a yeah. Essentially, the huge, huge, massive, massive drop in the market. You can see it. And the dark blue line's got the most volatility, recall.\n\nChannel 1: Yeah.\n\nChannel 0: If you go up to 1986, I believe it was, somewhere around there, that's called that Black Friday or Black Monday, Black Friday. It was.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Lehman Brothers collapsed, all that stuff. That's have you ever seen The Wolf of Wall Street?\n\nChannel 1: Yes. I have. Yes.\n\nChannel 0: Yeah. So you remember John Belfort's first day of trading in the market, and there was a massive collapse that was that day?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. There was all sorts of restrictions placed because of how hard that fell. Now something a little bit closer to home, 2007 to 2009, that big drop there.\n\nChannel 1: Yep.\n\nChannel 0: That's the\n\nChannel 1: Thank\n\nChannel 0: GFC.\n\nChannel 1: you. Come on. Sorry. My dog's\n\nChannel 0: So\n\nChannel 1: gone\n\nChannel 0: that\n\nChannel 1: off.\n\nChannel 0: oh, that's right. I completely understand. So that's the GFC, and then a little bit closer the most recent drop is COVID in 2020. And you can\n\nChannel 1: Yeah.\n\nChannel 0: see\n\nChannel 1: Yeah.\n\nChannel 0: the volatility. But if you\n\nChannel 1: Yep.\n\nChannel 0: draw going back onto my points, if you draw a line, so that's the most that's a 100%. So you're taking 85% exposure into those assets. If you took a 100% exposure, if you take it before at peak, just before the market dropped at any point in time, and then you drew a straight line horizontal across, there would be no point in time over the last seventy five years where it took more than, I believe, it's eight point four, not eight years and four months, but eight point four years\n\nChannel 1: Yep.\n\nChannel 0: to not take it back. So GFC, if you dropped the when you held all the way down from the top in twenty two thousand seven down to 2000 beginning of two thousand nine, that drop was about 62%, 60, I think, 62% or 63%, I think. Yes. So you would have been left with 30 was it 37,000 if you had a $100 for that in those two in a\n\nChannel 1: I\n\nChannel 0: year\n\nChannel 1: think\n\nChannel 0: and\n\nChannel 1: it's\n\nChannel 0: a half.\n\nChannel 1: not yeah.\n\nChannel 0: Correct? But if you kept your cool and you didn't sell and you just left it and then reinvested all distributions and all the rest, do exactly what it would've done. Keep in mind, with the same $100 you put in that market and as an index in '19\n\nChannel 1: Yes.\n\nChannel 0: 50, it would have taken us at $1.02, $3.04, 5, and a bit. So about about six years to make use for your assets to become a $100 again.\n\nChannel 1: Again. Yep.\n\nChannel 0: K?\n\nChannel 1: Yep.\n\nChannel 0: And that's a 100% invested into the market. If you go down to the lighter kind of blue line,\n\nChannel 1: Yep.\n\nChannel 0: that is a seventy thirty approach.\n\nChannel 1: Okay.\n\nChannel 0: That's called a balanced portfolio. And you can see that, you know, just going back into that blue line, with that higher volatility over the longer term, you would have about a $100 would have grown to 362,000\n\nChannel 1: Sixty two.\n\nChannel 0: 600\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: and $54. So time is risk, and this\n\nChannel 1: Yes.\n\nChannel 0: is how we calculate it from a standard deviation point of view. Okay?\n\nChannel 1: Yep.\n\nChannel 0: And you're taking a kind of you're taking 5% more exposure to the blue line than the green line, which is long term bonds. As you can\n\nChannel 1: Yep.\n\nChannel 0: see recently, they haven't been performing too well. But, yeah, it's it's if you draw a line from the top at the same GFC kind of error, that is one, two, three years, you would have your money back and you wouldn't have felt the you wouldn't have felt such a such such a large\n\nChannel 1: That's\n\nChannel 0: drop.\n\nChannel 1: it. Yeah. Yeah.\n\nChannel 0: So that's what I just want to point out a lot a kind of a roundabout way we're looking at in terms of volatility, but also time horizon. K? Outside that, the next strategy on page 19 is just looking at your insurances\n\nChannel 1: Yep.\n\nChannel 0: and with your PSSAP. We're gonna retain that, and I just we just kind of explained a little bit more around what we're looking at. So on the second paragraph where it says best interest duty,\n\nChannel 1: Mhmm.\n\nChannel 0: so I'm just gonna read it out to make sure it makes sense. Although we couldn't obtain new cover, you're currently insured in line with your insurance needs to give you that peace of mind. So your current\n\nChannel 1: Coast.\n\nChannel 0: coverage is 270,000 for life and TPD. And with your super balance of $311,704, it equals a total of $581,920.90 when compared with your liabilities of 311,500, which means that something would happen to you,\n\nChannel 1: That's\n\nChannel 0: you\n\nChannel 1: wood.\n\nChannel 0: would still do yeah. Touch wood. Doesn't happen.\n\nChannel 1: They've\n\nChannel 0: But\n\nChannel 1: got\n\nChannel 0: if you\n\nChannel 1: some\n\nChannel 0: if\n\nChannel 1: to\n\nChannel 0: you do\n\nChannel 1: yeah.\n\nChannel 0: fall off your perch, let's say that you've got a fully paid out property as well as $270,000 $270,500 left over.\n\nChannel 1: Yeah. That's good. Yep. Perfect. Happy to\n\nChannel 0: Okay.\n\nChannel 1: do that.\n\nChannel 0: Just to just to give you that peace of mind.\n\nChannel 1: Yeah.\n\nChannel 0: So wanna hold on to that just for the time being, especially because of that income protection policy.\n\nChannel 1: Mhmm.\n\nChannel 0: And what I'd like to point out on page 20, this is the last thing I'm gonna look at,\n\nChannel 1: Yep.\n\nChannel 0: is your I did a recommendation of I I did the comparison between what your current situation is, what you're tracking for in ten years,\n\nChannel 1: Yep.\n\nChannel 0: what you recommended, and that's a six six one. But then I was I looked at well, what happens if you\n\nChannel 1: Mhmm. Yeah.\n\nChannel 0: cancel the insurance as a consolidated and you have no insurance? What would the effects be? The effects are about, what, $22,000 over ten years, so I think it's worthwhile to retain your insurances.\n\nChannel 1: Yeah. I think so too. It'll\n\nChannel 0: Does\n\nChannel 1: just\n\nChannel 0: that make\n\nChannel 1: give\n\nChannel 0: sense?\n\nChannel 1: me better peace of mind, to be honest. I mean, I\n\nChannel 0: One\n\nChannel 1: don't\n\nChannel 0: second.\n\nChannel 1: understand how a government worker can be actually of high risk, but but, you know, there you go.\n\nChannel 0: Well, it's yeah. Because of the, you know, your your your actual occupation, you'll\n\nChannel 1: Change\n\nChannel 0: be amazed\n\nChannel 1: of government\n\nChannel 0: that\n\nChannel 1: and stuff. Yeah. I\n\nChannel 0: well,\n\nChannel 1: suppose.\n\nChannel 0: not\n\nChannel 1: But\n\nChannel 0: just that. No. No. No. It's got to do with stress.\n\nChannel 1: Oh, okay.\n\nChannel 0: It's got to do with your the the the problem so from an actuarial point of view, being a state government investigator, your level of trauma and exposure to that is deemed too high for an actuarial insurance company point of view. So the risk everything all premiums is essentially calculated by actuaries,\n\nChannel 1: Right.\n\nChannel 0: and\n\nChannel 1: Yeah.\n\nChannel 0: they work out, well, how much money is that risk worth to us? That's the that's how they work out for premium. And you're too high because mental health is a big thing that people claim on. Very\n\nChannel 1: Yes.\n\nChannel 0: hard to kinda prove that it's not there. You know?\n\nChannel 1: Yep.\n\nChannel 0: So, yeah, it's you got a very high stressful job, apparently.\n\nChannel 1: Well, apparently, this is nothing compared to my last one. So this is a walk in the park compared to my last\n\nChannel 0: Yeah.\n\nChannel 1: job. So,\n\nChannel 0: What\n\nChannel 1: yeah,\n\nChannel 0: was your\n\nChannel 1: there\n\nChannel 0: last\n\nChannel 1: we\n\nChannel 0: job?\n\nChannel 1: go. Maybe oh, I was working child support dealing with agro customers daily. Eight hours a day on the phone for five days\n\nChannel 0: Yeah.\n\nChannel 1: a week.\n\nChannel 0: Well, you'll\n\nChannel 1: So\n\nChannel 0: be amazed at what the premiums look like with that.\n\nChannel 1: for now, I yeah.\n\nChannel 0: Exactly. But yeah. Look. That pretty much sums it up. The next thing I wanted to point out was our remuneration as outlined is the same.\n\n1.65% not changing anything. That's all part of that ongoing service, making\n\nChannel 1: Beautiful.\n\nChannel 0: sure that we're just slowly adjusting things to make sure that we're on in line with your goals and objectives.\n\nChannel 1: Fantastic. Sounds good to me, Shirley.\n\nChannel 0: Beautiful. Well, if you just wanna get down to the second last page, I think there might be a multi line sign up. Just just if\n\nChannel 1: Yes.\n\nChannel 0: you just click in there and just do a full stop or something,\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: then it should allow you to go through because all that is is just to see if you did want to alter something. We we can adjust the portfolio,\n\nChannel 1: Oh, okay.\n\nChannel 0: but it's our recommendation, nevertheless. So if you're happy with it, just do a full stop there and then click the sign in area, sign that, send it through. I'll stay on the line, make sure that I've received it.\n\nChannel 1: Yeah. Once it's editing, next documents, Validate and send completed documents.\n\nChannel 0: Mhmm.\n\nChannel 1: I've got the circle of I won't\n\nChannel 0: Circle\n\nChannel 1: say\n\nChannel 0: of death.\n\nChannel 1: I wasn't\n\nChannel 0: Yep.\n\nChannel 1: I wasn't I wasn't even gonna say I was just gonna say the circle because\n\nChannel 0: No. It's definitely the it's the wheel of death.\n\nChannel 1: yeah. This because the Internet out here is not the best, and I'm working from home today. So I\n\nChannel 0: That's\n\nChannel 1: just\n\nChannel 0: right.\n\nChannel 1: wanna\n\nChannel 0: Actually,\n\nChannel 1: make sure.\n\nChannel 0: have you have you what do you do you mind me asking? What do you pay for Internet with NBN or Telstra?\n\nChannel 1: Oh, gosh. I'm with Optus at the moment. It's, like, $98 a month, and I tried to do a comparison. You will you will get the signed documents via email. It's signed.\n\nChannel 0: I've already, yeah, I've already received it on my end. So you'll receive the signed documents on your end as well. So\n\nChannel 1: Okay.\n\nChannel 0: you've\n\nChannel 1: Oh,\n\nChannel 0: got\n\nChannel 1: cool.\n\nChannel 0: a copy\n\nChannel 1: Yeah.\n\nChannel 0: too. And the reason why I bring that up is because I've recently gone to the dark side. I've gone to the Starlink side. And I can tell you it is unbelievable. About 100 I've got the full package, so you get it's about $150 a month.\n\nBut if you you can get it for something like $89 a month.\n\nChannel 1: Okay.\n\nChannel 0: So it's\n\nChannel 1: Oh,\n\nChannel 0: cheaper\n\nChannel 1: okay.\n\nChannel 0: than what you're currently paying, and it is unbelievable. You can literally unplug it and take it in your car. You can get Internet in the middle of the desert if you want.\n\nChannel 1: Who's that with? Timor?\n\nChannel 0: Sorry?\n\nChannel 1: Who's that with?\n\nChannel 0: Starlink.\n\nChannel 1: Starlink.\n\nChannel 0: Elon Musk. Starlink. Yeah. It's incredible. It's unbelievable.\n\nThere is a setup cost for, obviously, the\n\nChannel 1: Okay.\n\nChannel 0: the the the, like, the dish, if you would, but it's yeah. It's it's it's it's crazy. I can literally, it's on my roof, but if I wanted to go camping or something, you can literally just unplug it and take it in your car and put it on your roof of your car when you can't, and you get full reception no matter where you\n\nChannel 1: Okay.\n\nChannel 0: are.\n\nChannel 1: That's alright. Well, Fast Reliable Home Internet at the moment, but no upfront hardware costs in selected areas servicing at 75 a month. Okay. I've got that on the thing, and I'll look into that because I did\n\nChannel 0: Definitely\n\nChannel 1: go\n\nChannel 0: look\n\nChannel 1: into,\n\nChannel 0: into\n\nChannel 1: yeah, compare, and they're all pretty much the same, if not higher. So thank you for that. I'll have\n\nChannel 0: it.\n\nChannel 1: a look.\n\nChannel 0: That's right.\n\nChannel 1: Anywhere where I can save a bath will be great.\n\nChannel 0: Exactly. Hey. Look. We know how to spend our money better than anyone else does. Right?\n\nBecause we know what\n\nChannel 1: Yeah.\n\nChannel 0: we want. But, yeah, I think there's in in certain selected areas, I mean, it's for where like, if you're saying that your Internet is bad, then, yeah, absolutely have a look at that because $75 a month, the starting price, and you got the fish and it connects everywhere, it's worth it. Beautiful. Did you have any questions for me?\n\nChannel 1: No. You've been marvelous. Thank you so much. You've actually just in time for my next appointment. I'll go and get my son from school to take to his doctor, so thank you very much for that.\n\nChannel 0: No. That's alright. Thank you. I could say the exact same thing. So you enjoy the rest of your day.\n\nGood luck at\n\nChannel 1: Awesome.\n\nChannel 0: the doctors. And, yeah, give us a call if you need anything else. We'll get that investment switched now.\n\nChannel 1: Awesome. Thank you, Sylvia. Appreciate\n\nChannel 0: Thank\n\nChannel 1: all\n\nChannel 0: you.\n\nChannel 1: your hard\n\nChannel 0: No\n\nChannel 1: work.\n\nChannel 0: worries. See you. Bye.\n\nChannel 1: Okay. Bye.","paragraphs":[{"sentences":[{"text":"Can you hear me, Debbie?","start":0.79999995,"end":2.02,"sentiment":"neutral","sentiment_score":-0.01220167987048626}],"sentiment":"neutral","sentiment_score":-0.01220167987048626,"channel":1,"num_words":5,"start":0.79999995,"end":2.02},{"sentences":[{"text":"Hey.","start":2.56,"end":3.06,"sentiment":"neutral","sentiment_score":-0.05915887653827667},{"text":"Sorry, Naomi.","start":3.12,"end":4.0,"sentiment":"neutral","sentiment_score":-0.17174827307462692},{"text":"I'm not too sure what happened there.","start":4.0,"end":5.44,"sentiment":"neutral","sentiment_score":-0.320316629750388},{"text":"It's","start":5.44,"end":5.68,"sentiment":"neutral","sentiment_score":-0.1995219886302948}],"sentiment":"neutral","sentiment_score":-0.25858125632459467,"channel":0,"num_words":11,"start":2.56,"end":5.68},{"sentences":[{"text":"Oh,","start":5.8799996,"end":6.3799996,"sentiment":"neutral","sentiment_score":-0.23925453424453735}],"sentiment":"neutral","sentiment_score":-0.23925453424453735,"channel":1,"num_words":1,"start":5.8799996,"end":6.3799996},{"sentences":[{"text":"for some reason, my my my headset just I couldn't hear anything.","start":5.92,"end":9.7,"sentiment":"negative","sentiment_score":-0.38618523503343266}],"sentiment":"negative","sentiment_score":-0.38618523503343266,"channel":0,"num_words":12,"start":5.92,"end":9.7},{"sentences":[{"text":"that's fine.","start":10.24,"end":10.639999,"sentiment":"neutral","sentiment_score":-0.060013663023710244},{"text":"I did try to call back because I'm","start":10.639999,"end":11.84,"sentiment":"neutral","sentiment_score":-0.03822378674522042}],"sentiment":"neutral","sentiment_score":-0.042581762000918386,"channel":1,"num_words":10,"start":10.24,"end":11.84},{"sentences":[{"text":"Oh,","start":11.76,"end":12.26,"sentiment":"neutral","sentiment_score":0.15337444841861725}],"sentiment":"neutral","sentiment_score":0.15337444841861725,"channel":0,"num_words":1,"start":11.76,"end":12.26},{"sentences":[{"text":"really lucky.","start":11.84,"end":12.4,"sentiment":"neutral","sentiment_score":0.22714657336473465},{"text":"I've got the recording.","start":12.4,"end":13.46,"sentiment":"neutral","sentiment_score":0.11657693795859814},{"text":"And I thought,","start":13.855,"end":14.654999,"sentiment":"neutral","sentiment_score":-0.006797170887390773}],"sentiment":"neutral","sentiment_score":0.10002326510018772,"channel":1,"num_words":9,"start":11.84,"end":14.654999},{"sentences":[{"text":"right.","start":14.32,"end":14.639999,"sentiment":"neutral","sentiment_score":0.010944359004497528},{"text":"Okay.","start":14.639999,"end":15.04,"sentiment":"neutral","sentiment_score":0.018249092623591423}],"sentiment":"neutral","sentiment_score":0.014596725814044476,"channel":0,"num_words":2,"start":14.32,"end":15.04},{"sentences":[{"text":"I'll","start":14.654999,"end":15.134999,"sentiment":"neutral","sentiment_score":0.02543487772345543}],"sentiment":"neutral","sentiment_score":0.02543487772345543,"channel":1,"num_words":1,"start":14.654999,"end":15.134999},{"sentences":[{"text":"Right.","start":15.04,"end":15.405,"sentiment":"neutral","sentiment_score":0.020460329949855804}],"sentiment":"neutral","sentiment_score":0.020460329949855804,"channel":0,"num_words":1,"start":15.04,"end":15.405},{"sentences":[{"text":"I'll 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wait","start":15.934999,"end":16.335,"sentiment":"neutral","sentiment_score":0.007208048133179545}],"sentiment":"neutral","sentiment_score":0.007208048133179545,"channel":1,"num_words":2,"start":15.934999,"end":16.335},{"sentences":[{"text":"you back.","start":16.125,"end":16.525,"sentiment":"neutral","sentiment_score":0.0023285746574401855}],"sentiment":"neutral","sentiment_score":0.0023285746574401855,"channel":0,"num_words":2,"start":16.125,"end":16.525},{"sentences":[{"text":"for","start":16.335,"end":16.735,"sentiment":"neutral","sentiment_score":0.0009888391941785812}],"sentiment":"neutral","sentiment_score":0.0009888391941785812,"channel":1,"num_words":1,"start":16.335,"end":16.735},{"sentences":[{"text":"We're playing","start":16.525,"end":16.925,"sentiment":"neutral","sentiment_score":0.007073748391121626}],"sentiment":"neutral","sentiment_score":0.007073748391121626,"channel":0,"num_words":2,"start":16.525,"end":16.925},{"sentences":[{"text":"Nicole.","start":16.735,"end":17.235,"sentiment":"neutral","sentiment_score":-0.009837385267019272}],"sentiment":"neutral","sentiment_score":-0.009837385267019272,"channel":1,"num_words":1,"start":16.735,"end":17.235},{"sentences":[{"text":"a bit of phone tag.","start":16.925,"end":18.064999,"sentiment":"neutral","sentiment_score":-0.03875822387635708},{"text":"That's alright.","start":18.605,"end":19.345,"sentiment":"neutral","sentiment_score":0.042075140401721},{"text":"I've just sent you out a statement of advice.","start":20.285,"end":22.165,"sentiment":"neutral","sentiment_score":0.186118354399999},{"text":"I wanna walk you through it.","start":22.165,"end":23.485,"sentiment":"neutral","sentiment_score":0.2701246788104375},{"text":"Just it's not the best, not the best outcome.","start":23.485,"end":27.005,"sentiment":"negative","sentiment_score":-0.4041053056716919}],"sentiment":"neutral","sentiment_score":-0.014541139585837241,"channel":0,"num_words":31,"start":16.925,"end":27.005},{"sentences":[{"text":"And the reason for that is because we tried to do takeover terms before.","start":27.005,"end":32.019997,"sentiment":"neutral","sentiment_score":-0.28150573053530287},{"text":"And owing to health conditions, we weren't able to do it, and that's still the case no matter how hard I","start":32.48,"end":37.6,"sentiment":"neutral","sentiment_score":-0.31091253601369406}],"sentiment":"neutral","sentiment_score":-0.2991498138223376,"channel":0,"num_words":35,"start":27.005,"end":37.6},{"sentences":[{"text":"Yes.","start":37.57,"end":38.07,"sentiment":"neutral","sentiment_score":-0.08022694289684296}],"sentiment":"neutral","sentiment_score":-0.08022694289684296,"channel":1,"num_words":1,"start":37.57,"end":38.07},{"sentences":[{"text":"fought tooth and nail","start":37.6,"end":38.8,"sentiment":"neutral","sentiment_score":-0.12481705844402313}],"sentiment":"neutral","sentiment_score":-0.12481705844402313,"channel":0,"num_words":4,"start":37.6,"end":38.8},{"sentences":[{"text":"Oh, okay.","start":38.449997,"end":39.19,"sentiment":"neutral","sentiment_score":0.009208094328641891}],"sentiment":"neutral","sentiment_score":0.009208094328641891,"channel":1,"num_words":2,"start":38.449997,"end":39.19},{"sentences":[{"text":"for those insurances.","start":38.8,"end":39.78,"sentiment":"neutral","sentiment_score":-0.05219874531030655},{"text":"But","start":40.0,"end":40.5,"sentiment":"neutral","sentiment_score":0.08047650754451752}],"sentiment":"neutral","sentiment_score":-0.019029932096600533,"channel":0,"num_words":4,"start":38.8,"end":40.5},{"sentences":[{"text":"Yep.","start":40.449997,"end":40.949997,"sentiment":"neutral","sentiment_score":0.1897721290588379}],"sentiment":"neutral","sentiment_score":0.1897721290588379,"channel":1,"num_words":1,"start":40.449997,"end":40.949997},{"sentences":[{"text":"I do have a recommendation that's gonna get you closer towards us, you know, that 700,000 that we're talking about the other day.","start":40.8,"end":48.495,"sentiment":"neutral","sentiment_score":0.26364602925984754}],"sentiment":"neutral","sentiment_score":0.26364602925984754,"channel":0,"num_words":23,"start":40.8,"end":48.495},{"sentences":[{"text":"Okay.","start":48.655,"end":49.054996,"sentiment":"neutral","sentiment_score":0.13308429718017578}],"sentiment":"neutral","sentiment_score":0.13308429718017578,"channel":1,"num_words":1,"start":48.655,"end":49.054996},{"sentences":[{"text":"Okay?","start":48.795002,"end":49.295002,"sentiment":"neutral","sentiment_score":0.13232110440731049}],"sentiment":"neutral","sentiment_score":0.13232110440731049,"channel":0,"num_words":1,"start":48.795002,"end":49.295002},{"sentences":[{"text":"Cool.","start":49.054996,"end":49.554996,"sentiment":"neutral","sentiment_score":0.24508610367774963}],"sentiment":"neutral","sentiment_score":0.24508610367774963,"channel":1,"num_words":1,"start":49.054996,"end":49.554996},{"sentences":[{"text":"So I've sent you out a Odoo site.","start":49.995,"end":53.275,"sentiment":"neutral","sentiment_score":0.1685120239853859},{"text":"You should have received it in your emails.","start":53.275,"end":54.955,"sentiment":"neutral","sentiment_score":0.13976515550166368},{"text":"Do you have access to your emails?","start":54.955,"end":56.475,"sentiment":"neutral","sentiment_score":0.04774303734302521},{"text":"Or","start":56.475,"end":56.975,"sentiment":"neutral","sentiment_score":0.05380500480532646}],"sentiment":"neutral","sentiment_score":0.11892598758762081,"channel":0,"num_words":24,"start":49.995,"end":56.975},{"sentences":[{"text":"Yep.","start":56.74,"end":57.06,"sentiment":"neutral","sentiment_score":0.06287208199501038},{"text":"I've just got it, and I've just pulled it up.","start":57.06,"end":58.98,"sentiment":"neutral","sentiment_score":0.08506566137075425},{"text":"I've just saved the the ages of my kids on the form, which is probably the ages they were when I first did it.","start":58.98,"end":65.86,"sentiment":"neutral","sentiment_score":0.0656782784499228},{"text":"So it's whether or not that needs to be updated.","start":65.86,"end":67.96,"sentiment":"neutral","sentiment_score":-0.002446534112095833}],"sentiment":"neutral","sentiment_score":0.054785378608438705,"channel":1,"num_words":45,"start":56.74,"end":67.96},{"sentences":[{"text":"it's not the end of the world, but, yes, it does","start":69.5,"end":71.66,"sentiment":"neutral","sentiment_score":-0.014263006435199217}],"sentiment":"neutral","sentiment_score":-0.014263006435199217,"channel":0,"num_words":11,"start":69.5,"end":71.66},{"sentences":[{"text":"Okay.","start":71.555,"end":72.055,"sentiment":"neutral","sentiment_score":-0.005602916702628136}],"sentiment":"neutral","sentiment_score":-0.005602916702628136,"channel":1,"num_words":1,"start":71.555,"end":72.055},{"sentences":[{"text":"need to be updated.","start":71.66,"end":72.8,"sentiment":"neutral","sentiment_score":-0.010991177521646023},{"text":"Yeah.","start":73.865005,"end":74.185005,"sentiment":"neutral","sentiment_score":0.02183998003602028},{"text":"Two kids, nine and seven on page six.","start":74.185005,"end":76.505005,"sentiment":"neutral","sentiment_score":0.031642945716157556},{"text":"Correct?","start":76.505005,"end":77.005005,"sentiment":"neutral","sentiment_score":0.03892691060900688}],"sentiment":"neutral","sentiment_score":0.01928183902055025,"channel":0,"num_words":14,"start":71.66,"end":77.005005},{"sentences":[{"text":"Yes.","start":77.475006,"end":77.875,"sentiment":"neutral","sentiment_score":0.03954647853970528},{"text":"Yes.","start":77.875,"end":78.355,"sentiment":"neutral","sentiment_score":0.039142295718193054},{"text":"So they're","start":78.355,"end":79.095,"sentiment":"neutral","sentiment_score":0.03242530860006809}],"sentiment":"neutral","sentiment_score":0.03588484786450863,"channel":1,"num_words":4,"start":77.475006,"end":79.095},{"sentences":[{"text":"Mhmm.","start":79.505005,"end":80.005005,"sentiment":"neutral","sentiment_score":0.019217103719711304}],"sentiment":"neutral","sentiment_score":0.019217103719711304,"channel":0,"num_words":1,"start":79.505005,"end":80.005005},{"sentences":[{"text":"currently 10 and","start":79.555,"end":81.590004,"sentiment":"neutral","sentiment_score":0.0174021665006876}],"sentiment":"neutral","sentiment_score":0.0174021665006876,"channel":1,"num_words":3,"start":79.555,"end":81.590004},{"sentences":[{"text":"10 and 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compare, and they're all pretty much the same, if not higher.","start":2174.965,"end":2179.365,"sentiment":"neutral","sentiment_score":0.21958472269276777},{"text":"So thank you for that.","start":2179.365,"end":2180.325,"sentiment":"positive","sentiment_score":0.6511654019355774},{"text":"I'll have","start":2180.325,"end":2180.725,"sentiment":"positive","sentiment_score":0.41317155957221985}],"sentiment":"positive","sentiment_score":0.35353614742818634,"channel":1,"num_words":19,"start":2174.965,"end":2180.725},{"sentences":[{"text":"it.","start":2180.64,"end":2180.88,"sentiment":"positive","sentiment_score":0.3520370125770569}],"sentiment":"positive","sentiment_score":0.3520370125770569,"channel":0,"num_words":1,"start":2180.64,"end":2180.88},{"sentences":[{"text":"a look.","start":2180.725,"end":2181.18,"sentiment":"neutral","sentiment_score":0.15815450251102448}],"sentiment":"neutral","sentiment_score":0.15815450251102448,"channel":1,"num_words":2,"start":2180.725,"end":2181.18},{"sentences":[{"text":"That's right.","start":2180.88,"end":2181.7,"sentiment":"neutral","sentiment_score":0.3224014639854431}],"sentiment":"neutral","sentiment_score":0.3224014639854431,"channel":0,"num_words":2,"start":2180.88,"end":2181.7},{"sentences":[{"text":"Anywhere where I can save a bath will be great.","start":2181.26,"end":2183.44,"sentiment":"positive","sentiment_score":0.4663902670145035}],"sentiment":"positive","sentiment_score":0.4663902670145035,"channel":1,"num_words":10,"start":2181.26,"end":2183.44},{"sentences":[{"text":"Exactly.","start":2183.92,"end":2184.42,"sentiment":"positive","sentiment_score":0.3731738924980163},{"text":"Hey.","start":2184.5598,"end":2184.7998,"sentiment":"neutral","sentiment_score":0.1604217290878296},{"text":"Look.","start":2184.7998,"end":2185.0398,"sentiment":"neutral","sentiment_score":0.13066014647483826},{"text":"We know how to spend our money better than anyone else does.","start":2185.0398,"end":2187.3599,"sentiment":"neutral","sentiment_score":0.21497685958941778},{"text":"Right?","start":2187.3599,"end":2187.5999,"sentiment":"neutral","sentiment_score":0.1483456790447235}],"sentiment":"neutral","sentiment_score":0.2120202351361513,"channel":0,"num_words":16,"start":2183.92,"end":2187.5999},{"sentences":[{"text":"Because we know what","start":2187.5999,"end":2188.3198,"sentiment":"neutral","sentiment_score":0.1082648690789938}],"sentiment":"neutral","sentiment_score":0.1082648690789938,"channel":0,"num_words":4,"start":2187.5999,"end":2188.3198},{"sentences":[{"text":"Yeah.","start":2188.22,"end":2188.72,"sentiment":"neutral","sentiment_score":0.07888379693031311}],"sentiment":"neutral","sentiment_score":0.07888379693031311,"channel":1,"num_words":1,"start":2188.22,"end":2188.72},{"sentences":[{"text":"we want.","start":2188.3198,"end":2188.98,"sentiment":"neutral","sentiment_score":0.060633059591054916},{"text":"But, yeah, I think there's in in certain selected areas, I mean, it's for where like, if you're saying that your Internet is bad, then, yeah, absolutely have a look at that because $75 a month, the starting price, and you got the fish and it connects everywhere, it's worth it.","start":2189.825,"end":2206.08,"sentiment":"neutral","sentiment_score":0.1927443239837885},{"text":"Beautiful.","start":2208.06,"end":2208.56,"sentiment":"positive","sentiment_score":0.756913423538208},{"text":"Did you have any questions for me?","start":2209.02,"end":2210.72,"sentiment":"positive","sentiment_score":0.34328258463314604}],"sentiment":"neutral","sentiment_score":0.21493636325123858,"channel":0,"num_words":61,"start":2188.3198,"end":2210.72},{"sentences":[{"text":"No.","start":2211.15,"end":2211.39,"sentiment":"neutral","sentiment_score":0.10177893191576004},{"text":"You've been marvelous.","start":2211.39,"end":2212.6099,"sentiment":"positive","sentiment_score":0.7093642354011536},{"text":"Thank you so much.","start":2212.75,"end":2213.71,"sentiment":"positive","sentiment_score":0.8437704592943192},{"text":"You've actually just in time for my next appointment.","start":2213.71,"end":2216.3699,"sentiment":"positive","sentiment_score":0.6346984936131371},{"text":"I'll go and get my son from school to take to his doctor, so thank you very much for that.","start":2216.43,"end":2221.41,"sentiment":"positive","sentiment_score":0.5642920687794686}],"sentiment":"positive","sentiment_score":0.6108940890109217,"channel":1,"num_words":37,"start":2211.15,"end":2221.41},{"sentences":[{"text":"No.","start":2221.2249,"end":2221.4648,"sentiment":"neutral","sentiment_score":0.026579365134239197},{"text":"That's alright.","start":2221.4648,"end":2222.265,"sentiment":"neutral","sentiment_score":0.20497913658618927},{"text":"Thank you.","start":2222.265,"end":2223.005,"sentiment":"positive","sentiment_score":0.62180495262146},{"text":"I could say the exact same thing.","start":2223.3848,"end":2225.065,"sentiment":"positive","sentiment_score":0.4536175089223044},{"text":"So you enjoy the rest of your day.","start":2225.065,"end":2226.505,"sentiment":"positive","sentiment_score":0.6693132221698761}],"sentiment":"positive","sentiment_score":0.5104987941682338,"channel":0,"num_words":20,"start":2221.2249,"end":2226.505},{"sentences":[{"text":"Good luck at","start":2226.505,"end":2227.065,"sentiment":"positive","sentiment_score":0.6496025522549947}],"sentiment":"positive","sentiment_score":0.6496025522549947,"channel":0,"num_words":3,"start":2226.505,"end":2227.065},{"sentences":[{"text":"Awesome.","start":2227.045,"end":2227.545,"sentiment":"positive","sentiment_score":0.5716907382011414}],"sentiment":"positive","sentiment_score":0.5716907382011414,"channel":1,"num_words":1,"start":2227.045,"end":2227.545},{"sentences":[{"text":"the doctors.","start":2227.065,"end":2227.6448,"sentiment":"positive","sentiment_score":0.5371049344539642},{"text":"And, yeah, give us a call if you need anything else.","start":2227.917,"end":2230.077,"sentiment":"neutral","sentiment_score":0.32785472544756805},{"text":"We'll get that investment switched now.","start":2230.077,"end":2231.937,"sentiment":"positive","sentiment_score":0.3751351038614909}],"sentiment":"positive","sentiment_score":0.364811709052638,"channel":0,"num_words":19,"start":2227.065,"end":2231.937},{"sentences":[{"text":"Awesome.","start":2232.085,"end":2232.565,"sentiment":"positive","sentiment_score":0.7082495093345642},{"text":"Thank you, Sylvia.","start":2232.565,"end":2233.4448,"sentiment":"positive","sentiment_score":0.722708543141683},{"text":"Appreciate","start":2233.4448,"end":2233.9248,"sentiment":"positive","sentiment_score":0.694917619228363}],"sentiment":"positive","sentiment_score":0.7142585515975952,"channel":1,"num_words":5,"start":2232.085,"end":2233.9248},{"sentences":[{"text":"Thank","start":2233.677,"end":2233.997,"sentiment":"positive","sentiment_score":0.6657167673110962}],"sentiment":"positive","sentiment_score":0.6657167673110962,"channel":0,"num_words":1,"start":2233.677,"end":2233.997},{"sentences":[{"text":"all","start":2233.9248,"end":2234.085,"sentiment":"positive","sentiment_score":0.7123335599899292}],"sentiment":"positive","sentiment_score":0.7123335599899292,"channel":1,"num_words":1,"start":2233.9248,"end":2234.085},{"sentences":[{"text":"you.","start":2233.997,"end":2234.397,"sentiment":"positive","sentiment_score":0.5744909048080444}],"sentiment":"positive","sentiment_score":0.5744909048080444,"channel":0,"num_words":1,"start":2233.997,"end":2234.397},{"sentences":[{"text":"your hard","start":2234.085,"end":2234.4048,"sentiment":"neutral","sentiment_score":0.21796443313360214}],"sentiment":"neutral","sentiment_score":0.21796443313360214,"channel":1,"num_words":2,"start":2234.085,"end":2234.4048},{"sentences":[{"text":"No","start":2234.397,"end":2234.637,"sentiment":"neutral","sentiment_score":-0.05763387680053711}],"sentiment":"neutral","sentiment_score":-0.05763387680053711,"channel":0,"num_words":1,"start":2234.397,"end":2234.637},{"sentences":[{"text":"work.","start":2234.4048,"end":2234.9048,"sentiment":"neutral","sentiment_score":0.03462616354227066}],"sentiment":"neutral","sentiment_score":0.03462616354227066,"channel":1,"num_words":1,"start":2234.4048,"end":2234.9048},{"sentences":[{"text":"worries.","start":2234.637,"end":2235.117,"sentiment":"neutral","sentiment_score":0.06782987713813782},{"text":"See you.","start":2235.117,"end":2235.517,"sentiment":"neutral","sentiment_score":0.16163041442632675},{"text":"Bye.","start":2235.517,"end":2236.017,"sentiment":"neutral","sentiment_score":0.1298249512910843}],"sentiment":"neutral","sentiment_score":0.1302289143204689,"channel":0,"num_words":4,"start":2234.637,"end":2236.017},{"sentences":[{"text":"Okay.","start":2235.525,"end":2236.025,"sentiment":"neutral","sentiment_score":0.11470220237970352},{"text":"Bye.","start":2236.085,"end":2236.585,"sentiment":"neutral","sentiment_score":-0.09772147238254549}],"sentiment":"neutral","sentiment_score":0.008490364998579018,"channel":1,"num_words":2,"start":2235.525,"end":2236.585}]},"summary":{"result":"success","short":"The speaker discusses their financial strategy, recommending a portfolio that will save them money and reduce their risk, emphasizing the importance of a multi-year plan and a multi-year plan for growth. They emphasize the importance of being conservative and not investing too much in the current portfolio, as well as the success of their Global X battery. They also discuss their plans to increase gold exposure and reduce exposure to secondary markets, as well as their risk tolerance and investment strategy. The speaker emphasizes the importance of mental health and stress in risk assessments and offers guidance on adjusting the customer's plan if they want to."},"intents":{"segments":[{"text":"So I've sent you out a Odoo site. You should have received it in your emails. Do you have access to your emails? Or Yep. I've just got it, and I've just pulled it up. I've just saved the the ages of my kids on the form, which is probably the ages they were when I first did it. So it's whether or not that needs to be updated.","start_word":172,"end_word":240,"intents":[{"intent":"Check status of update","confidence_score":0.00014935074}]},{"text":"portfolio with Hub twenty four, and I wanna walk you through that. We're not taking too much more risk from what we're already doing. It's actually just rebalancing back to the eighty five fifteen, 85% invested into kinda growth assets, the sort Sure. of assets we call them, and the other 15% in defensive assets. Right?","start_word":421,"end_word":476,"intents":[{"intent":"Rebalancing investment and portfolio","confidence_score":0.0014192833}]},{"text":"what I'm going to be recommending is a portfolio that essentially will be saving you $613 a year in fees, Beautiful.","start_word":479,"end_word":499,"intents":[{"intent":"Discussing portfolio recommendations","confidence_score":0.009004404}]},{"text":"but there is a capital gains tax. Oh, okay.","start_word":500,"end_word":508,"intents":[{"intent":"Discussing pssab's cost","confidence_score":0.0009620708}]},{"text":"So currently, with your $295,528 in your HOP 24 and $16,117 in PSSAP, Those are the fees. So the administration fees, $1.02 $0.09, that doesn't change because that's the same as across the board. Okay.","start_word":592,"end_word":626,"intents":[{"intent":"Comparing fees and administration fees","confidence_score":0.16861367}]},{"text":"But recommended, we expect you to grow a little bit. And Yeah. that one Yeah. point 65%, that that's where that extra little bit comes from. Okay.","start_word":876,"end_word":902,"intents":[{"intent":"Improve coverage","confidence_score":0.000036221765}]},{"text":"And but in hub 24, you'll see that we are selling the Global X battery Yep. tech lithium Yep.","start_word":1380,"end_word":1398,"intents":[{"intent":"Promote battery sale","confidence_score":0.011496025}]},{"text":"I'm actually gonna increase your gold exposure because the markets are extremely extremely overpriced at the moment, and Okay.","start_word":1660,"end_word":1678,"intents":[{"intent":"Increase gold exposure","confidence_score":0.8174876},{"intent":"Discuss risks for gold","confidence_score":0.000002048789}]},{"text":"and we're going to add more exposure into Europe. You don't have any European shares at the moment, but Europe's fine. We're seeing some good traction in Europe as well Okay.","start_word":1741,"end_word":1771,"intents":[{"intent":"Reach europe","confidence_score":0.0000081642265}]},{"text":"as very more importantly, Japan, the Nikkei. Right.","start_word":1772,"end_word":1779,"intents":[{"intent":"Recall japanese influence","confidence_score":0.0022090364},{"intent":"Recall japanese influence","confidence_score":0.034634788}]},{"text":"as very more importantly, Japan, the Nikkei. Right. Yep.","start_word":1772,"end_word":1780,"intents":[{"intent":"Recall jikkei's history","confidence_score":0.000086502485}]},{"text":"you'd lose money. But we're starting to see a turnaround, and it's almost like the all the the foundational work from past generations are really picking up and realizing those gains now. So we wanna take advantage of that. Not Cool.","start_word":1895,"end_word":1935,"intents":[{"intent":"Address financial turbulence","confidence_score":3.1463594e-7}]},{"text":"But we're starting to see a turnaround, and it's almost like the all the the foundational work from past generations are really picking up and realizing those gains now. So we wanna take advantage of that. Not Cool.","start_word":1898,"end_word":1935,"intents":[{"intent":"Discuss future trends","confidence_score":0.00030260146}]},{"text":"So we wanna take advantage of that. Not Cool. taking too Okay.","start_word":1927,"end_word":1938,"intents":[{"intent":"Take advantage of japanese influence","confidence_score":0.041799095}]},{"text":"Keep in mind, past performance is no indication of future performance. I Yeah.","start_word":2000,"end_word":2012,"intents":[{"intent":"Clarify performance","confidence_score":0.005121524}]},{"text":"And there's a benefit for that. It's really good investment over the long term. Yes.","start_word":2678,"end_word":2692,"intents":[{"intent":"Analyze investment benefits","confidence_score":0.10405541}]},{"text":"When you're looking at the the overall if you take every stock exchange around the world and Mhmm. you add them all together, the American market, which consists of the S and P five hundred the S and P five hundred, sorry, Consists of the New York Stock Exchange, Nasdaq, Dow Jones, CBOE. There's a lot of different exchanges throughout America. Yep.","start_word":3141,"end_word":3202,"intents":[{"intent":"Evaluate stock exchanges","confidence_score":0.018545862}]},{"text":"I'm trying to diversify away from whole America, especially with the volatility going on and everything being so overvalued. K?","start_word":3413,"end_word":3432,"intents":[{"intent":"Optimize portfolio diversification","confidence_score":0.004972808}]},{"text":"So with that pie chart, if you look at the way, that's how your portfolio we we wanna diversify.","start_word":3827,"end_word":3845,"intents":[{"intent":"Analyze portfolio diversification","confidence_score":0.38389683}]},{"text":"is how we calculate it from a standard deviation point of view. Okay?","start_word":5087,"end_word":5099,"intents":[{"intent":"Calculate time interval","confidence_score":0.0020024579}]},{"text":"So your current Coast.","start_word":5305,"end_word":5308,"intents":[{"intent":"Discuss insurance coverage","confidence_score":0.37221003}]},{"text":"Perfect.","start_word":5391,"end_word":5391,"intents":[{"intent":"Confirm understanding","confidence_score":0.036102023}]},{"text":"Perfect. Happy to Okay. do that. Just to just to give you that peace of mind. Yeah.","start_word":5391,"end_word":5407,"intents":[{"intent":"Express gratitude","confidence_score":0.013856233}]},{"text":"cancel the insurance as a consolidated and you have no insurance? What would the effects be? The effects are about, what, $22,000 over ten years, so I think it's worthwhile to retain your insurances. Yeah. I think so too.","start_word":5496,"end_word":5534,"intents":[{"intent":"Evaluate insurance benefits","confidence_score":0.041449297}]},{"text":"The next thing I wanted to point out was our remuneration as outlined is the same. 1.65% not changing anything.","start_word":5818,"end_word":5837,"intents":[{"intent":"Discuss remuneration options","confidence_score":0.00022281143}]},{"text":"You can get Internet in the middle of the desert if you want. Who's that with?","start_word":6233,"end_word":6248,"intents":[{"intent":"Discuss technology options","confidence_score":0.00020646621}]}]},"sentiments":{"segments":[{"text":"Can you hear me, Debbie? Hey. Sorry, Naomi. I'm not too sure what happened there.","start_word":0,"end_word":14,"sentiment":"neutral","sentiment_score":-0.17534323036670685},{"text":"It's Oh, for some reason, my my my headset just I couldn't hear anything.","start_word":15,"end_word":28,"sentiment":"negative","sentiment_score":-0.3443978726863861},{"text":"that's fine. I did try to call back because I'm Oh, really lucky. I've got the recording. And I thought, right. Okay. I'll Right. I'll wait Well, for I you. called I'll wait you back. for We're playing Nicole. a bit of phone tag. That's alright. I've just sent you out a statement of advice. I wanna walk you through it.","start_word":29,"end_word":89,"sentiment":"neutral","sentiment_score":0.05633122846484184},{"text":"Just it's not the best, not the best outcome.","start_word":90,"end_word":98,"sentiment":"negative","sentiment_score":-0.4131243824958801},{"text":"And the reason for that is because we tried to do takeover terms before. And owing to health conditions, we weren't able to do it, and that's still the case no matter how hard I Yes. fought tooth and nail Oh, okay. for those insurances. But Yep. I do have a recommendation that's gonna get you closer towards us, you know, that 700,000 that we're talking about the other day. Okay. Okay? Cool. So I've sent you out a Odoo site. You should have received it in your emails. Do you have access to your emails? Or Yep. I've just got it, and I've just pulled it up. I've just saved the the ages of my kids on the form, which is probably the ages they were when I first did it. So it's whether or not that needs to be updated. it's not the end of the world, but, yes, it does Okay. need to be updated. Yeah. Two kids, nine and seven on page six. Correct? Yes. Yes. So they're Mhmm. currently 10 and 10 and 12. 12. Makes sense. Wow. Yes. That's that's yeah. Sorry about that. I'm not too sure No. why That's that okay. wasn't updated, but everything else I know that I I I've wrote down single, but I didn't know Yeah. because Not of single. our last decision. Yeah. Okay. Gotcha. Yep. Gotcha. Yep. Alright.","start_word":99,"end_word":330,"sentiment":"neutral","sentiment_score":-0.007677976507693529},{"text":"Perfect.","start_word":331,"end_word":331,"sentiment":"positive","sentiment_score":0.7274356484413147},{"text":"Well, let's let's skip down. The the those are just kind of like it doesn't really affect the strategy as such Yep. because Okay. we're looking at the the superannuation insurance strategy between hub twenty four and PSSAB. Okay? So if we wanna skip down to page eight, this is where your insurance is currently live with with that Yes. PSSAP insurance policy, paying Sure. 80 well, $1,871.28 for that life, TPD, and income protection. Yep. Now I've I did a bit of a recommendation regarding your investment Okay. portfolio with Hub twenty four, and I wanna walk you through that. We're not taking too much more risk from what we're already doing. It's actually just rebalancing back to the eighty five fifteen, 85% invested into kinda growth assets, the sort Sure. of assets we call them, and the other 15% in defensive assets. Right? And Okay. what I'm going to be recommending is a portfolio that essentially will be saving you $613 a year in fees, Beautiful. but there is a capital gains tax. Oh, okay. Yeah. So you pay 15% on the capital gains inside super if you sell and crystallize on that. But because you got quite a lot of time until retirement, I worked out the math, and this the capital the CGT liability of doing this is $1,735. But I've done the numbers, and the short term hit is worth the long term gain. Okay? So what I'd like you to do is skip down to page 14, please. You'll see a fee comparison. Yep. So currently, with your $295,528 in your HOP 24 and $16,117 in PSSAP, Those are the fees. So the administration fees, $1.02 $0.09, that doesn't change because that's the same as across the board. Okay. But you'll notice that the investment fee is for HOP 24. Obviously, it'll be the same. I'm gonna leave $16,000 in your PSSAP fund. Okay. Alright? The reason for that is because you're contributing to hub and you've got insurances. There Yep. is a minimum required balance of $10,000. So I don't Okay. wanna roll over $6 and then, you know, they they not be contributions in there and then it drops below and then have any Yeah. sort of Yeah. risk Yeah.","start_word":332,"end_word":709,"sentiment":"neutral","sentiment_score":0.05984408065440163},{"text":"of canceling those insurances because Yeah. that's the last thing we want.","start_word":710,"end_word":721,"sentiment":"negative","sentiment_score":-0.38623106479644775},{"text":"Right? 100%. Yep. So that's the first the first reason why I'm retaining that. Now you'll see that in the investment fee, it's saving that $644 and $0.5.24, and I'll show you why in a second. But when you look at the difference, the last column, you'll see the one Yep. thousand $735 between the the balances for the current and recommended. Right? That's our capital gain. So I wanna make sure that you can see that we've actually taken out that initial crystallized CGT event. And if you look at everything else, nothing else really changes other than the adviser Okay.","start_word":722,"end_word":823,"sentiment":"neutral","sentiment_score":0.12678208947181702},{"text":"service fee, and that's $31 more expensive over the year.","start_word":824,"end_word":833,"sentiment":"negative","sentiment_score":-0.39684200286865234},{"text":"And Okay. the reason for that is because in our calculations for your current, it's based at the the way that we do the numbers is we base it on what your current balance is over the twelve months for current. Sure. But recommended, we expect you to grow a little bit. And Yeah. that one Yeah. point 65%, that that's where that extra little bit comes from. Okay. But if you go down to the five year rolling average between the console or aggregated return of Hub 24 and PSSAP, Mhmm.","start_word":834,"end_word":925,"sentiment":"neutral","sentiment_score":0.07443755865097046},{"text":"You'll see that overall outside of the initial capital gains tax, we are saving you point 18% in percentage fees, which is $613 over the year.","start_word":926,"end_word":951,"sentiment":"positive","sentiment_score":0.33569055795669556},{"text":"Yep.","start_word":952,"end_word":952,"sentiment":"neutral","sentiment_score":0.3039190173149109},{"text":"And you'll see the growth rates increased by 2.34%.","start_word":953,"end_word":961,"sentiment":"positive","sentiment_score":0.35791972279548645},{"text":"Mhmm. Now if we go down to the next page, Yeah. we're looking at your lump sum or comparison in five years, lump sum comparison in ten years. Okay. There's a big At difference, the isn't it? correct.","start_word":962,"end_word":999,"sentiment":"neutral","sentiment_score":0.04863099008798599},{"text":"And that's the beauty of compounding return.","start_word":1000,"end_word":1006,"sentiment":"positive","sentiment_score":0.34950071573257446},{"text":"You know, 2% doesn't sound like much, but if you're looking at it over every year compounding up, it ends up being quite a lot snowball, you call it? Yep. Yep. Snowball Yep. effect. Yep. So it's not quite at that 700,000 that we wanted to get to, but it's a hell of a lot closer. It's Okay. Clarissa. Yes.","start_word":1007,"end_word":1066,"sentiment":"neutral","sentiment_score":0.02230832353234291},{"text":"Absolutely. Correct.","start_word":1067,"end_word":1068,"sentiment":"positive","sentiment_score":0.3998733460903168},{"text":"And, I mean, look, Yep. the what I also like to point out is when you look at the those tables underneath your current aggregate portfolio, Mhmm. so this is the this is the return of the combined PSSAP for insurance purposes retention as well Yep. as the HUB 24. You can see the hub 24 portfolios outperformed the PSSAP every every kind of rolling average as well as the last twelve months. Yep. Yep. Okay? Yep. But I wanna add them together and work out well, you're gonna be retaining both of them. So what would happen if we continue this way? Right? Sure. So I I wanna point out that I did those returns for the five year and ten year. We used a five year rolling average. And the reason Okay. why I do a five year rolling average is because it's the lowest amount, and it's the longest time horizon that's available for those investments. Okay? Sure. So, you know, we always wanna be more conservative than not. If we Mhmm. give you higher, fluffy numbers, I could use a three year return and get you to the 700,000. I don't wanna do that because I'd rather, you know, give you a lower amount now and try and exceed it rather than give you a Yeah. high fluffy number and probably not quite reach it. Right? 100%. Yep.","start_word":1069,"end_word":1300,"sentiment":"neutral","sentiment_score":0.07998194545507431},{"text":"Happy Yes. with that.","start_word":1301,"end_word":1304,"sentiment":"positive","sentiment_score":0.43743896484375},{"text":"Yep. Yep. So looking at that difference, it does get you a hell of a lot closer. But if you go on to the next page, I'll show you why. K? Yep. The majority of the fee savings in your hub 24 so you can see p s s a p, my super ballast, that we're not changing. We're not buying or selling anything. It's Mhmm. zero That and is done. That's fine. yeah. Correct. And but in hub 24, you'll see that we are selling the Global X battery Yep. tech lithium Yep.","start_word":1305,"end_word":1398,"sentiment":"neutral","sentiment_score":0.054997670563294535},{"text":"because it's had us run. It's done incredibly well.","start_word":1399,"end_word":1407,"sentiment":"positive","sentiment_score":0.5203371047973633},{"text":"You did have 5% in the initial recommendation. Now you see 8.64% Think of your so. portfolio.","start_word":1408,"end_word":1424,"sentiment":"neutral","sentiment_score":0.21684630215168},{"text":"That's done well.","start_word":1425,"end_word":1427,"sentiment":"positive","sentiment_score":0.4836153388023377},{"text":"So it crystallized. That's where these capital gains come from because you had a capital gain. Right? Okay. You don't pay Yep. tax on that. You the majority of your savings majority of your fees in savings, should I say, is coming from that Benelon Australian Equities Fund. Now do you remember when I was telling you about that? Yeah.","start_word":1428,"end_word":1487,"sentiment":"neutral","sentiment_score":0.018650846555829048},{"text":"That's dodgy.","start_word":1488,"end_word":1489,"sentiment":"negative","sentiment_score":-0.52729332447052},{"text":"Yeah. The dodgy the dodgy in The dodgy any glasses. section. Yeah. Yeah. No. Well, they they are not. That's the thing. I wanna make sure that we differentiate it. They just didn't the fund manager, Barqish, he ended up investing into a company that, honestly, on paper, looked perfectly fine. But, Yes.","start_word":1490,"end_word":1542,"sentiment":"neutral","sentiment_score":-0.20860187709331512},{"text":"like I said, it's it's it's not as ethical plays in the game, which is quite frustrating, especially when we're recommending the the goodwill and the, you know, the performance of a managed fund that we don't control.","start_word":1543,"end_word":1580,"sentiment":"negative","sentiment_score":-0.45087265968322754},{"text":"So Yes. I looked at do you remember when I talked about the SMA with BlackRock that we've teamed up with?","start_word":1581,"end_word":1601,"sentiment":"neutral","sentiment_score":-0.10071554034948348},{"text":"So I'm not gonna recommend that. The reason for that is because the performance wasn't quite it wasn't really a product for you.","start_word":1602,"end_word":1624,"sentiment":"negative","sentiment_score":-0.4615330398082733},{"text":"Yes. Okay. At your agent stage, it just it it wasn't in your best interest, and that's all we kind of need to look at. Now Mhmm. I'm also selling out of cyber security. I'm actually gonna increase your gold exposure because the markets are extremely extremely overpriced at the moment, and Okay. gold is what we consider a safe haven. The goal is the safe haven. You know, when market's full, gold goes up. Yep. We're Yep. gonna just increase your exposure not by much, only by about just just under 2%, by about $5. Make it 10% in gold. We're gonna sell out of your Australian bankable hybrids, so those are hybrid bonds, Okay. and we're going to add more exposure into Europe. You don't have any European shares at the moment, but Europe's fine. We're seeing some good traction in Europe as well Okay. as very more importantly, Japan, the Nikkei. Right. Yep. Japan's Yep. this funny funny funny thing. We have seen Japan it's it's it's a very intergenerational culture as a whole. You know what I mean? They they as a as a culture, they they they're essentially planning for future generations, and they've been Yeah. doing so Yeah. forever. And it feels like we've always kept our eye on Japan than the guy in the Japanese market. And we it's the the look, the GDP has Yep. just continuously gone down. And Okay. the if you look at the overall kind of index pricing point, it's very undervalued, but it's for some reason, it just continued to go further, further undervalued. That means Yes. you'd lose money. But we're starting to see a turnaround, and it's almost like the all the the foundational work from past generations are really picking up and realizing those gains now. So we wanna take advantage of that. Not Cool. taking too Okay. much exposure, only 5% of your overall assets in that, which in HOP '24, should I say, is a little bit less than 5%. But it's I think it's worth the bet. Yep.","start_word":1625,"end_word":1971,"sentiment":"neutral","sentiment_score":0.04323203932569075},{"text":"A plastic. Beautiful. It's your specialty.","start_word":1972,"end_word":1977,"sentiment":"positive","sentiment_score":0.43594422936439514},{"text":"Yeah. Well, we try our best.","start_word":1978,"end_word":1983,"sentiment":"neutral","sentiment_score":0.28776273131370544},{"text":"We've been doing pretty good as you can see from the past returns that Yep.","start_word":1984,"end_word":1998,"sentiment":"positive","sentiment_score":0.39836448431015015},{"text":"Keep in mind, past performance is no indication of future performance. I Yeah. I get I it. don't Yeah. I understand. I don't have a crystal ball. No. Wouldn't If you it be have lovely one, if please, we all yeah, did? please let me know.","start_word":1999,"end_word":2044,"sentiment":"neutral","sentiment_score":-0.09041931480169296},{"text":"That'll be amazing. Make my job a lot easier with both the sipping pina coladas on the beaches somewhere around Oh, the lovely.","start_word":2045,"end_word":2067,"sentiment":"positive","sentiment_score":0.43130749464035034},{"text":"world. Yep. But, yeah, we don't.","start_word":2068,"end_word":2073,"sentiment":"neutral","sentiment_score":-0.13781554996967316},{"text":"So and any asset manager that tells you that they do have an idea on what's gonna happen, they are blatantly lying to you. You not trust them at all.","start_word":2074,"end_word":2103,"sentiment":"negative","sentiment_score":-0.5008286237716675},{"text":"Okay. Yep. You're I'm selling out of Australian property. Yep. Okay. And the reason for that is because you look around, so it's pretty expensive to get into the property market, especially commercial space as well. Okay? So now they're all saying buy low, sell high. We're selling Yep. high and we're new. You know, we don't wanna take that kind of risk because it might be a bit of a debt. So why Yep. invest in it? Sure. K. We you'll notice that we're increasing your core composite bonds. IAF is the thicker code. Okay. That is the it's an I shares of BlackRock product. That's in the big four banks in Australia, essentially. They yeah. Yeah. There's just very stable triple a rated bank bill bonds. So, Mhmm. yeah, you're gonna get paid out dividends from that and by way of income. And if you go down, we're gonna add some exposure. You'll see that we are actually changing your Rappi Australian top two. So the there's a difference between a the beta shares, the keywords. So beta shares Rappi Australian 200. Yep. We're selling now that, and we're gonna take about 20% exposure into the BetaShares straight Australian 200. 200. Reason Yeah. yeah. That's the bottom asset. So the reason there's the reasoning behind that is do you know what the RAFI index is? Do you know what it kind of power works for? Do do you do you wanna know, or does it not really matter? It's pretty interesting. Yep. Yeah. If you want to, you know, sort of give me a quick rundown, that'll be fine. Yeah. No. It's well, I mean, it's your money. You know? At the end Yep. of the day, we're managing your money, and it pulls my money. I would want to know what what I'm putting what what somebody's putting my money in and And why. fair enough. Yep. You Yep. know what I mean? So when you're looking at rapid index, it's almost like a so in index funds, which is, say, your IVV, your S and P, ISHES, S and P 500, how an index works as a whole is when you say, look at the top 500 companies in America. Right? It's let's say, I think, Okay. NVIDIA is the largest. It's got about it's worth about five point, you know, for Yep. $5,000,000,000,000 at the moment is the current value of that company huge. Now but the the let's just say the I think the S and P is worth about 45. So just for number's sakes, let's say 50,000,000,000,000 Jesus. dollars is EAs in the overall market. And as an index, if you wanted to invest, say, a $100 of your money, okay, into the S and P 500 index, then you would be looking at buying it in line with what the market capitalization is all the way down to the 500. And I think it's 504, 505 constituents. So if NVIDIA's worth 5,000,000,000,000 of the 50,000,000,000,000, that's 10%. So Okay. that means $10,000, 10% of your 100,000 will be invested into that Nvidia stock. And Okay. then it will go to the next one, which I believe is somewhere like Apple maybe. Apple, Google, Microsoft, Amazon, those big players. It Yeah. will go into Yeah. I've the been next fine. one, then it'll go Yeah. slowly go all the way down to the 500 constituent.","start_word":2104,"end_word":2676,"sentiment":"neutral","sentiment_score":-0.001468675324846105},{"text":"And there's a benefit for that. It's really good investment over the long term. Yes.","start_word":2677,"end_word":2691,"sentiment":"positive","sentiment_score":0.6485093235969543},{"text":"The reason for that is because, you know, NVIDIA used to be the five hundredth largest company. And Ross. that means that you've been holding shares all the way at that lower value of what the share price was worth. Yes.","start_word":2692,"end_word":2732,"sentiment":"neutral","sentiment_score":0.20631009340286255},{"text":"All the way up. And the more it grows, the more you kinda buy more, and it double cost average all the way up. That's why it's such a good investment.","start_word":2733,"end_word":2763,"sentiment":"positive","sentiment_score":0.45594072341918945},{"text":"Now the RAPI index, it's it's it's it's for the the specific share. It's changing from the QoS to the a 200. So QoS, the RAPI index is is is takes in almost like an economist approach where Okay. it doesn't just invest as per that index approach I explained before. What what happens is they look more into the fundamentals of how companies are doing. So a good example is Netflix. Right? Netflix used to be I think it was, like, twentieth or eighteenth largest company on the planet, right, Okay. in America. So that means it would be the twentieth or eighteenth, somewhere around that largest holding of your example, the $100. Right? But Yes. if you look at the balance sheets for five years in a row, net Netflix didn't make a profit. So it's not a great share to buy. It's just kind of hyped up on social bias. Right? So Yep. it would still be considered in the RAFI index, but it wouldn't be the twentieth largest holding like a normal index. It would be maybe the fifteenth or something like that. Okay. Does that make sense? So it looks more into the fundamentals of the actual companies themselves and Yes. allocate it that way. It was it was created by an economist Indian economist back in the day. And it says it's a good investment, but we are seeing it it's quite expensive for that investment. So, Okay. therefore, the a 200, the BetaShares Australia 200, is, again, it's just changing straight to the flat index again. And we are seeing that the Australian dollar is actually quite strong compared Okay. to the wars and everything going on overseas. So for that reason, we, you know, we can save some money in fees. And Okay. not only that, we can still have exposure to domestic equities in an index style.","start_word":2764,"end_word":3079,"sentiment":"neutral","sentiment_score":-0.00930410097176327},{"text":"Perfect. So Yep. that's that's pretty much where we at.","start_word":3080,"end_word":3089,"sentiment":"positive","sentiment_score":0.4318901598453522},{"text":"And then I wanted to take a little bit of 8% exposure, which is the Vanguard View, v e u. And we call it View because it's the all world outside of The US. Okay. So so the the the that's the last one I'm gonna talk about because it's important. When you're looking at the the overall if you take every stock exchange around the world and Mhmm. you add them all together, the American market, which consists of the S and P five hundred the S and P five hundred, sorry, Consists of the New York Stock Exchange, Nasdaq, Dow Jones, CBOE. There's a lot of different exchanges throughout America. Yep. Whereas, let's say, for example, Australia, we've got the ASX and the NSX, the Australian Stock Yeah. Exchange, National Stock Exchange. That's it. Right? America's got, like, I think, A lot something more. like Yes. 25, 30 different exchanges. So if you add all the world's listed companies into one big pool, America makes up about 61% of it. Okay. K? So there's a good saying is if America sneezes, the rest of the world captures the cold. Yep. Right? And that's it's so true because if America overnight falls and collapses by, like, 10%, let's say, or 5%, the rest of the world you see usually goes down. Right? Yes.","start_word":3090,"end_word":3313,"sentiment":"neutral","sentiment_score":-0.011219964362680912},{"text":"Because people get scared, and that's because of that exact nature of it. When they sneeze, everyone else kinda gets a little bit of a cold from it.","start_word":3314,"end_word":3341,"sentiment":"negative","sentiment_score":-0.45253434777259827},{"text":"Yes. So what I wanted to do was take a little bit of we needed to get out of out of a concentration of America, and that that's solely because if you're looking at the S and P 500, your IVP, you got 30% of your holdings is in that, which is America. Your Yep. if you're looking at, you know, physical gold, that gold is it's all around the world. I'm trying to diversify away from whole America, especially with the volatility going on and everything being so overvalued. K? So Vanguard View is the view of the whole world, like I said, in the big pool, but just take out the 61%, which is America. So it takes advantage Yes. of all sorts of emerging markets, India, China, or everywhere outside of America, which is a good it's actually a good place to be, especially when you're looking at, you know, the the Donald Trump's and the policies coming out and a few Yeah. I see. of I took the it few with of that on the my mouth thing. with Trump. Yeah. Yep. Yep. Yeah. Yep. Exactly. And you're already taking it at 30 exposure of your portfolio in it. So let's try and get a different view. Yep. I'm such a nerd. I'm such a nerd. I'm sorry. No. I appreciate Yeah. it. I want you Yeah. to But be. yeah. So you get yeah. V u, Vanguard or WorldX US, you get a different view of the scope. And that that portfolio, essentially, if you if you invested in that portfolio five years ago, you would have achieved 11.39% on average every year Yep. instead That's big of enough. eight point Yeah. 9%. Yeah. But you'll notice that, you know, over three years, it's larger, but over five over twelve months as well, it's larger as well. And that's just you know, it's we we can't always nail it every time, but, hey, it's at least you you know, in the last three years, your portfolio grew by 12 almost 13% Yeah. every year compared Yep. to PSSAP's nine nine point Yeah. nine, Yeah. so almost That's 10. Awesome. You know, that's what we we wanna try and get about 3% more than what your what our competitors Previously. are doing. Over the five years, you can see it's more than that. It's closer to 5% better off. Yeah. Yeah. Does that all make sense? Or Yeah. No.","start_word":3342,"end_word":3754,"sentiment":"neutral","sentiment_score":0.08932760540062232},{"text":"You made it pretty clear, so I appreciate that. Thank you.","start_word":3755,"end_word":3765,"sentiment":"positive","sentiment_score":0.43983739614486694},{"text":"no. That's right. That's my job. I hope so. Now on page 18, this is what we call unveiling the portfolio. So this Yep. is what it looks like. You know? So out of all those different assets, all the reds and the greens and all the different portfolios and percentages and whatever else, what is it actually invested in? Yep. So with that pie chart, if you look at the way, that's how your portfolio we we wanna diversify. Now you'll see that in your Australian equity section, your existing international equities property as well as alternative growth assets, which is essentially that gold, Yep. with your growth total, you'll see that you're currently taking 82.74% worth of growth assertive assets, which is volatility. That's they can go up and down quite quite quickly. Right. Whereas the defensive assets are fixed interest bonds, fixed credit, stuff like that, as well as cash, we are reducing that fixed interest down to 13.91%. Yep. So, essentially, you know, you're looking at increasing your risk by about three two and a half percent. Okay. K? So I wanna make that clear. So there Yeah. is a tiny bit more risk, but like I said before, in line with your risk profile of being growth Yeah. Yeah. For a six six year approximate time horizon, your you know, you've got more than six years. So six years is considered a good time horizon for a growth portfolio. That Okay. means that if you look at past performance, that no time in a eighty five fifteen portfolio would you have ever been down with that kind of risk profile. So that that comes to risk tolerance. So do you have the tolerance to be able to make money back after a significant event, like GFC is good example.","start_word":3766,"end_word":4069,"sentiment":"neutral","sentiment_score":0.042282443836723506},{"text":"Yeah. There's a great, great chart.","start_word":4070,"end_word":4075,"sentiment":"positive","sentiment_score":0.6326565742492676},{"text":"It's called an Andex chart, a n d e x. You can actually type it in if you are interested, and you can see the growth of different assets. I think there's the index shows the Australian index, and it's from eight from 1950 up until 2025. So Okay. '70 so seventy five year time horizon shows the growth of Australian shares, international shares, or US shares. Shows the average return over that 75.","start_word":4076,"end_word":4149,"sentiment":"neutral","sentiment_score":0.23029187321662903},{"text":"If you're interested, it's pretty pretty cool.","start_word":4150,"end_word":4156,"sentiment":"positive","sentiment_score":0.5676212310791016},{"text":"You just go are you in front of a computer now? Or A n. Yep. Yep. open up a new tab Yep. and just type in a n d e x A chart. n D for Oh, delta. b. Yep. D for Delta, sir. A ForAlphaN for Nelly, d for delta, e for echo, x for X-ray.","start_word":4157,"end_word":4213,"sentiment":"neutral","sentiment_score":0.07913399487733841},{"text":"Thank you.","start_word":4214,"end_word":4215,"sentiment":"positive","sentiment_score":0.4644041061401367},{"text":"And then AndexChart, it should be the top one in Google. Open Yep. that up. I'm There should be a big hold colorful on. yep. Where it says order. Just click Yep. on that chart, and then it should come up on the left. Just there's a magnifying glass. Click on that magnifying glass. Oh, yeah. Yeah. Yeah. Cool. Okay. Oh, So wow. you see that yeah. So there's a lot going on. But the if you start with this, the growth of a 100 Australian dollars with no acquisition cost taxes and or income reinvested. Can you see that on the left hand side? I've got Internet. Oh, sorry. It's looking around for me. International Equiset Australia. Yep. There we go. That's the one. So so it should be the 2025 Andex chart for Australian investors. Amazing. Why is it So let's go back. If you go to not? andex dot com dot a u, Yep. and there should be just the order the order the Andex chart for Australian investors. Oh, there we go. Yeah. I've got that. Yep. 2025 See? top. Again, so now at the far left, bottom left, it's the growth of a $100 in 1950. At the very bottom, it says 50. Do you see that? Yes. Gotcha. Yep. Yep. Yep. So that's 1950, '19 and '50. that Yeah. is every year all the way up to 2020 Oh, '5. well. Well, well, right, right, Yep. I'm with you So now. Sorry, Debbie. so no. No. That's alright. That's alright. So if we go back to the very beginning, this is the growth of if you invested a $100 into the Australian market with no acquisition costs or or equal ICI and direct cost ratios or taxes and every piece of income that you receive from the dividends, you reinvested back into that market. Yeah. Right? Yeah. Yeah. The dark blue line, you can see the first kind of the the major first major drop was in the seventies, mid seventies industrial industrial Yeah. Yep. drop there. Yeah. I think it was a massive industrial drop there, and that was a yeah. Essentially, the huge, huge, massive, massive drop in the market. You can see it. And the dark blue line's got the most volatility, recall. Yeah. If you go up to 1986, I believe it was, somewhere around there, that's called that Black Friday or Black Monday, Black Friday. It was. Yeah. Yeah. Lehman Brothers collapsed, all that stuff. That's have you ever seen The Wolf of Wall Street? Yes. I have. Yes. Yeah. So you remember John Belfort's first day of trading in the market, and there was a massive collapse that was that day? Yep. Yeah. There was all sorts of restrictions placed because of how hard that fell. Now something a little bit closer to home, 2007 to 2009, that big drop there. Yep. That's the Thank GFC. you. Come on. Sorry. My dog's So gone that off. oh, that's right. I completely understand. So that's the GFC, and then a little bit closer the most recent drop is COVID in 2020. And you can Yeah. see Yeah. the volatility. But if you Yep. draw going back onto my points, if you draw a line, so that's the most that's a 100%. So you're taking 85% exposure into those assets. If you took a 100% exposure, if you take it before at peak, just before the market dropped at any point in time, and then you drew a straight line horizontal across, there would be no point in time over the last seventy five years where it took more than, I believe, it's eight point four, not eight years and four months, but eight point four years Yep. to not take it back. So GFC, if you dropped the when you held all the way down from the top in twenty two thousand seven down to 2000 beginning of two thousand nine, that drop was about 62%, 60, I think, 62% or 63%, I think. Yes. So you would have been left with 30 was it 37,000 if you had a $100 for that in those two in a I year think and it's a half. not yeah. Correct? But if you kept your cool and you didn't sell and you just left it and then reinvested all distributions and all the rest, do exactly what it would've done. Keep in mind, with the same $100 you put in that market and as an index in '19 Yes. 50, it would have taken us at $1.02, $3.04, 5, and a bit. So about about six years to make use for your assets to become a $100 again. Again. Yep. K? Yep. And that's a 100% invested into the market. If you go down to the lighter kind of blue line, Yep. that is a seventy thirty approach. Okay. That's called a balanced portfolio. And you can see that, you know, just going back into that blue line, with that higher volatility over the longer term, you would have about a $100 would have grown to 362,000 Sixty two. 600 Yeah. Yeah. Yeah. and $54. So time is risk, and this Yes. is how we calculate it from a standard deviation point of view. Okay? Yep. And you're taking a kind of you're taking 5% more exposure to the blue line than the green line, which is long term bonds. As you can Yep. see recently, they haven't been performing too well. But, yeah, it's it's if you draw a line from the top at the same GFC kind of error, that is one, two, three years, you would have your money back and you wouldn't have felt the you wouldn't have felt such a such such a large That's drop. it. Yeah. Yeah. So that's what I just want to point out a lot a kind of a roundabout way we're looking at in terms of volatility, but also time horizon. K? Outside that, the next strategy on page 19 is just looking at your insurances Yep. and with your PSSAP. We're gonna retain that, and I just we just kind of explained a little bit more around what we're looking at. So on the second paragraph where it says best interest duty, Mhmm. so I'm just gonna read it out to make sure it makes sense. Although we couldn't obtain new cover, you're currently insured in line with your insurance needs to give you that peace of mind. So your current Coast. coverage is 270,000 for life and TPD. And with your super balance of $311,704, it equals a total of $581,920.90 when compared with your liabilities of 311,500, which means that something would happen to you, That's you wood. would still do yeah. Touch wood. Doesn't happen. They've But got if you some if to you do yeah. fall off your perch, let's say that you've got a fully paid out property as well as $270,000 $270,500 left over. Yeah.","start_word":4216,"end_word":5387,"sentiment":"neutral","sentiment_score":0.001177142774718003},{"text":"That's good. Yep. Perfect. Happy to Okay. do that. Just to just to give you that peace of mind.","start_word":5388,"end_word":5406,"sentiment":"positive","sentiment_score":0.4305924773216248},{"text":"Yeah. So wanna hold on to that just for the time being, especially because of that income protection policy. Mhmm. And what I'd like to point out on page 20, this is the last thing I'm gonna look at, Yep. is your I did a recommendation of I I did the comparison between what your current situation is, what you're tracking for in ten years, Yep. what you recommended, and that's a six six one. But then I was I looked at well, what happens if you Mhmm. Yeah. cancel the insurance as a consolidated and you have no insurance? What would the effects be? The effects are about, what, $22,000 over ten years, so I think it's worthwhile to retain your insurances. Yeah. I think so too. It'll Does just that make give sense? me better peace of mind, to be honest. I mean, I One don't second. understand how a government worker can be actually of high risk, but but, you know, there you go. Well, it's yeah. Because of the, you know, your your your actual occupation, you'll Change be amazed of government that and stuff. Yeah. I well, suppose. not But just that. No.","start_word":5407,"end_word":5604,"sentiment":"neutral","sentiment_score":-0.013129332356832245},{"text":"No. No. It's got to do with stress.","start_word":5605,"end_word":5612,"sentiment":"negative","sentiment_score":-0.3968849182128906},{"text":"Oh, okay. It's got to do with your the the the problem so from an actuarial point of view, being a state government investigator, your level of trauma and exposure to that is deemed too high for an actuarial insurance company point of view. So the risk everything all premiums is essentially calculated by actuaries, Right. and Yeah. they work out, well, how much money is that risk worth to us? That's the that's how they work out for premium.","start_word":5613,"end_word":5692,"sentiment":"neutral","sentiment_score":-0.23962821066379547},{"text":"And you're too high because mental health is a big thing that people claim on. Very Yes. hard to kinda prove that it's not there.","start_word":5693,"end_word":5717,"sentiment":"negative","sentiment_score":-0.47079962491989136},{"text":"You know? Yep.","start_word":5718,"end_word":5720,"sentiment":"neutral","sentiment_score":-0.1869411468505859},{"text":"So, yeah, it's you got a very high stressful job, apparently.","start_word":5721,"end_word":5731,"sentiment":"negative","sentiment_score":-0.3395203948020935},{"text":"Well, apparently, this is nothing compared to my last one. So this is a walk in the park compared to my last Yeah. job. So, What yeah, was your there last we job? go. Maybe oh, I was working child support dealing with agro customers daily. Eight hours a day on the phone for five days Yeah. a week. Well, you'll So be amazed at what the premiums look like with that. for now, I yeah. Exactly. But yeah. Look.","start_word":5732,"end_word":5811,"sentiment":"neutral","sentiment_score":0.002319807931780815},{"text":"That pretty much sums it up.","start_word":5812,"end_word":5817,"sentiment":"positive","sentiment_score":0.4158887267112732},{"text":"The next thing I wanted to point out was our remuneration as outlined is the same. 1.65% not changing anything. That's all part of that ongoing service, making Beautiful. sure that we're just slowly adjusting things to make sure that we're on in line with your goals and objectives.","start_word":5818,"end_word":5866,"sentiment":"neutral","sentiment_score":0.1756640374660492},{"text":"Fantastic. Sounds good to me, Shirley. Beautiful.","start_word":5867,"end_word":5873,"sentiment":"positive","sentiment_score":0.6380071640014648},{"text":"Well, if you just wanna get down to the second last page, I think there might be a multi line sign up. Just just if Yes. you just click in there and just do a full stop or something, Oh, okay. Yep. then it should allow you to go through because all that is is just to see if you did want to alter something. We we can adjust the portfolio, Oh, okay. but it's our recommendation, nevertheless. So if you're happy with it, just do a full stop there and then click the sign in area, sign that, send it through. I'll stay on the line, make sure that I've received it. Yeah. Once it's editing, next documents, Validate and send completed documents. Mhmm. I've got the circle of I won't Circle say of death. I wasn't Yep. I wasn't I wasn't even gonna say I was just gonna say the circle because No. It's definitely the it's the wheel of death. yeah. This because the Internet out here is not the best, and I'm working from home today. So I That's just right. wanna Actually, make sure. have you have you what do you do you mind me asking? What do you pay for Internet with NBN or Telstra? Oh, gosh. I'm with Optus at the moment. It's, like, $98 a month, and I tried to do a comparison. You will you will get the signed documents via email. It's signed. I've already, yeah, I've already received it on my end. So you'll receive the signed documents on your end as well. So Okay. you've Oh, got cool. a copy Yeah. too. And the reason why I bring that up is because I've recently gone to the dark side. I've gone to the Starlink side.","start_word":5874,"end_word":6170,"sentiment":"neutral","sentiment_score":0.02176449954923656},{"text":"And I can tell you it is unbelievable.","start_word":6171,"end_word":6178,"sentiment":"positive","sentiment_score":0.3982307016849518},{"text":"About 100 I've got the full package, so you get it's about $150 a month. But if you you can get it for something like $89 a month. Okay.","start_word":6179,"end_word":6207,"sentiment":"neutral","sentiment_score":0.14966382086277008},{"text":"So it's Oh, cheaper okay. than what you're currently paying, and it is unbelievable. You can literally unplug it and take it in your car.","start_word":6208,"end_word":6232,"sentiment":"positive","sentiment_score":0.4571917951107025},{"text":"You can get Internet in the middle of the desert if you want. Who's that with? Timor? Sorry? Who's that with? Starlink. Starlink. Elon Musk. Starlink. Yeah.","start_word":6233,"end_word":6259,"sentiment":"neutral","sentiment_score":0.12153385579586028},{"text":"It's incredible. It's unbelievable.","start_word":6260,"end_word":6263,"sentiment":"positive","sentiment_score":0.652716338634491},{"text":"There is a setup cost for, obviously, the Okay. the the the, like, the dish, if you would, but it's yeah. It's it's it's it's crazy. I can literally, it's on my roof, but if I wanted to go camping or something, you can literally just unplug it and take it in your car and put it on your roof of your car when you can't, and you get full reception no matter where you Okay. are. That's alright. Well, Fast Reliable Home Internet at the moment, but no upfront hardware costs in selected areas servicing at 75 a month. Okay. I've got that on the thing, and I'll look into that because I did Definitely go look into, into yeah, compare, and they're all pretty much the same, if not higher.","start_word":6264,"end_word":6395,"sentiment":"neutral","sentiment_score":0.1226171851158142},{"text":"So thank you for that. I'll have it.","start_word":6396,"end_word":6403,"sentiment":"positive","sentiment_score":0.5191136598587036},{"text":"a look. That's right.","start_word":6404,"end_word":6407,"sentiment":"neutral","sentiment_score":0.24570004642009735},{"text":"Anywhere where I can save a bath will be great. Exactly.","start_word":6408,"end_word":6418,"sentiment":"positive","sentiment_score":0.45802509784698486},{"text":"Hey. Look. We know how to spend our money better than anyone else does. Right? Because we know what Yeah. we want. But, yeah, I think there's in in certain selected areas, I mean, it's for where like, if you're saying that your Internet is bad, then, yeah, absolutely have a look at that because $75 a month, the starting price, and you got the fish and it connects everywhere, it's worth it.","start_word":6419,"end_word":6491,"sentiment":"neutral","sentiment_score":0.1805569241716437},{"text":"Beautiful.","start_word":6492,"end_word":6492,"sentiment":"positive","sentiment_score":0.756913423538208},{"text":"Did you have any questions for me? No.","start_word":6493,"end_word":6500,"sentiment":"neutral","sentiment_score":0.28418946266174316},{"text":"You've been marvelous. Thank you so much. You've actually just in time for my next appointment. I'll go and get my son from school to take to his doctor, so thank you very much for that.","start_word":6501,"end_word":6536,"sentiment":"positive","sentiment_score":0.6237946152687073},{"text":"No. That's alright.","start_word":6537,"end_word":6539,"sentiment":"neutral","sentiment_score":0.16037918627262115},{"text":"Thank you. I could say the exact same thing. So you enjoy the rest of your day. Good luck at Awesome. the doctors.","start_word":6540,"end_word":6562,"sentiment":"positive","sentiment_score":0.57757967710495},{"text":"And, yeah, give us a call if you need anything else.","start_word":6563,"end_word":6573,"sentiment":"neutral","sentiment_score":0.32967981696128845},{"text":"We'll get that investment switched now. Awesome. Thank you, Sylvia. Appreciate Thank all you.","start_word":6574,"end_word":6587,"sentiment":"positive","sentiment_score":0.5696067810058594},{"text":"your hard No work. worries. See you. Bye. Okay. Bye.","start_word":6588,"end_word":6597,"sentiment":"neutral","sentiment_score":0.1143590733408928}],"average":{"sentiment":"neutral","sentiment_score":0.03983036492974048}}}}