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Did I got your text message. Did you have a couple minutes? Yes. Of course. Oh, perfect. She was just timing. Perfect. Well, before I jump into it, I do need to let you know our call is recorded. And if I could get you confirmed security, I have a password on file, the 4 digits. Amazing. So the reason I wanted to call was just to kind of run through the advice document following our conversation last week. So what we did was we executed time sensitive advice where I set up the pension account ahead of a normal process, which would be to draw up advice, get that issued, then execute the the implementation. I so the pension account is active and live. I'm sure you've been getting emails from Hub the whole time with movements. Yep. So as sent no. You're okay. So, essentially, what's happening is the money has moved over from accumulation to pension. So now your money is sitting in pension phase, which means that all funds can like, funds can be withdrawn. I executed a sell down of assets in pension phase, and I specifically sold down assets that I wanted to get rid of out of your portfolio. So I've done a portfolio recommendation for you as well where I'm essentially going to remove those assets from your portfolio. I did execute a sale of the assets that I could sell quickly rather than rather than assets that take a little bit longer. So I I sold what's called ETFs, exchange trade funds, because they basically will sell overnight, whereas a managed fund, just because it's a little bit more intricate and a managed fund generally has ETFs built into it, it takes kind of a couple of weeks to sell. I obviously didn't wanna try and sell that and have it take too long. So you have the money sitting in cash already, and your pension payment is actually scheduled to go out today. Yeah. I did I did log on this morning at 07:30 and noticed that there was a little bit of a hiccup, and it looks like the pension payment's coming out about 3,190. So when Hub set it up, they set it up as the minimum and not the specific requested amount. I've already been on the phone to Hub this morning to say, hey. You need to correct it. I'm gonna follow-up with them at 12:00, but there is this possibility that today, a partial $31.90 goes out, and then tomorrow, the remainder of the $20 will get paid. I'm hoping I can get it corrected today and just have one payment so I don't have to deal with it over two days, But there is a possibility that it might be two different payments just so you're aware. It's just it's moved so quickly, and it just happened over the weekend, so I couldn't kinda stop it. That's okay. So everything's moving on that side. We'll get the remainder of the pension. So it'll be a full 20 within the next couple of days anyway. Payments schedule payments go out at about 03:00. So what Hub Hub does is at 03:00, they push all payments out. So you should have it basically in your bank account tonight or you'll wake up tomorrow morning with the money in your account. So they don't do morning payments. They do afternoon payments. Now part of my advice that I've detailed, and I'm I'm send I'll send you the advice document through for you to basically read and authorize. But, essentially, what what I've recommended is, yes, the setup of the pension account and then a change of your underlying investments as well. So I've just gotten rid of some of the assets that aren't performing too well, cost a little bit more to operate, and just gives your fund a little bit more chance to be able to maneuver and do everything. The effective way is that because we moved into pension phase before we sold anything, there's no capital gains effects on the account, which is really good. So we're saving tax by executing things in that order. And then outside of that, there are a couple of others there there's sort of one more thing that I want to do. We didn't previously discuss it, but when I was kinda going through and looking at your account, I noticed that all of your money is currently sitting in what's called a taxable element. So what that means is that prior to 60, if you tried to withdraw any money, you would have been taxed. Now, obviously, not really an issue because they're over that 60 age bracket. So for you personally, it doesn't really change anything. However, you have your children nominated as beneficiaries on your account. Now what that means is that if you were to pass away and your because your children are going to receive the benefit directly, they would pay up to 17% tax on the taxable component. Now what I wanna do is I want to obviously, after all your pension payments paid out is do a what's called a cash out recontribution strategy. So it's actually an an estate planning strategy that will basically take all of the money that you have sitting in your account. It will in species transfer it over into what's called a investment account, and then it'll in species transfer back into a pension account. And what that does is it just it sounds convoluted, but all it's doing is it's basically grabbing the money that's sitting in a taxable component and it's converting it into a tax free component. So it means that if you were to pass away, then the kids receive that money tax free because it's already paid its highest marginal tax rate, which is great because you pay no tax because of your age. So it's kind of a a way to navigate that tax system, put the money into a tax free environment and a state plan for the kids in the event that anything happens. Obviously, not putting on anything happening when, you know, I wanna keep you alive for as long as possible, but it's just future planning and kind of, I guess, evolving the strategy that I was already putting in place just with sort of what you have available and where we're currently sit sitting for you, I guess, position wise. Once the money goes in, you will start to accumulate a tax taxable component again because any any gross on your account goes into a taxable component. So it's not gonna be a 100% tax free forever, but at least the remainder of the money sitting in the account will be tax free. It means that we have more tax free component. There's less tax paid if anything does happen to you, and it's just putting you in a much better position right now in the event that anything happened. Does that make sense? Yeah. That's cool. There there can be. So the the market is always volatile, but that's why I wanna do some of the changes to your your assets so I can so I can, I guess, swap out any of the underlying assets that aren't performing and get you assets that are going to be able to sort of withstand some of that more volatility? That's not to say that that the market's not gonna, you know, possibly have a little bit of a correction or, you know, or or or go down. The good thing is is, like, right now, we're you're withdrawing a lump sum. That's the only lump sum that we're really intending on in drawing. You know, right now, we're not intending on crystallizing any more gains or losses over the next while. So we're we're kosher on that side. Realistically, it's the only effect that would really happen is if you potentially ended up drawing more money out later while the market went through a crash. If that happened, then, yes, there could be there could be an issue with it. So volatility in the market is is, I guess, always it's not that it's it's it's calculable like it is. Like, you can obviously gain the market. You can definitely, you know, watch it, but it's very much crystal ball. Like, what date, when does it happen, when, you know, when are things gonna occur? I have you in a it it it's so risk profile wise, I have you in sort of, like, a a level three out of, like, five. You can obviously go a lot more conservative than the five, but if we're getting, you know, sort of on that top scale of aggressiveness, I have you sitting at what's called an eighty twenty split. So at Oakview, we have, like, an aggressive portfolio that is, like, a 100% on the market. We have a high growth that is 90% on the market. We have a a growth, which is where you're sitting, which is 80% on the market, and then there's seventy, sixty. And then you start going into the more defensive, like, defensive standing positions where you go as, like, 60 fifty fifty and, like, 40% of the market and lower and lower. But in your sort of aggressive bracket or your your high high growth growth earning bracket, you're sitting sort of in that mid range. And what that means is, like, a, your assets are diversified, So they are structured throughout multiple different sectors, and we're not just in oil. We're not just in Gong. We're not just in one sector. We are across the market, you know, making sure we have health. We're making sure we have education, making sure we have financial institutions, all of that. So, yes, don't get me wrong. If Trump was to do what Trump can do and and, you know, make a really, really knee jerk statement, it does affect the market. The US market affects the Australian market, generally, a couple days in you know, behind. Same as oh, I can't think of his name. Yep. Yeah. The one thing it def it definitely can. What I'll what I'll do is, like, I'll I'm I'm sending the document to you now. I'm just I I literally was I I finished it off, and I was like, I just I wanna get on the phone and just get it get it sent to you and and not delay. So I haven't sent it to you yet, but I I what I wanted what what I will do is I will include what's called a the Vanguard index chart, which so this will show you historically how the markets have acted and it has points in in the historic like, in history that, you know, Great Depression. It shows the the 2001 tech bubble. It shows yep. F the the c f the the Yep. GFC. Too many acronyms. Yeah. It shows the global financial crisis as well. So and, like, you know, it shows some of the wars, all that. And it shows what the effects it had on different asset classes and and how if, you know, you've been invested across the in the market that whole time and hadn't, you know, sold out, how your money sort of would grow over that time. So history shows us while, yes, money does drop. And even so, there's been case studies on the GFC where, you know, a lot of people had historically turned around and said, well, my my, you know, I my my uncle, my aunt, my grandfather lost money during the GFC, you know, and they had to go back to to working. Absolutely. That happened, and that was because people made knee jerk reactions during the GFC, and they sold their assets because they freaked out and they went, nope. Liquidate everything. I have to protect. I have to protect. Whereas if they'd held and granted the GFC was, it did take a long time to bounce back. But if they'd held for that eighteen months, they would have been fine. They would have had their money back. But a lot of people sold out. They sold during the low. They crystallized what they'd already lost. And then when they bought back in, by the time you bought back in and realized the market's going up, you've already bought in at a higher price. So that's where a lot is correct. Yeah. So and don't be wrong. I have had times where I have sold out just before just before the bubble burst and sold out at the high and bought in just as the market's starting to turn back up, and I've made money for clients. But when you're dealing with a diversified portfolio like this, when you're dealing with long term assets, it's not something you wanna be doing on the daily. You wanna day trade? You day trade with a little bit of money. You don't wanna day trade with something to this extent. You you have to be on it. Yep. Yep. Yep. Yeah. And he just sits there and goes, oh, it's alright. Because he knows that he's making money on the other side. Yeah. Yeah. No. Absolutely. I think half my job is education, so you're so fine. Absolutely. Yes. I will yes. I will send you the I'll send you the Vanguard chat when I when I send the documents. I'm literally I'll zip them all up, and I'll I'll send them to you so that way you're able to see them. Sign them. No. No. Take me two seconds to to pull that. That's that's easy. I have to send you the documents anyway. So you'll have them in a little bit, hopefully, by the time you jump out of the shower. Perfect. No. Not at all. You're so fine. Well, I will let you go and enjoy your shower. And if you have any questions when you get receive the documents, just give me a call or shoot me an email through. No stress. No stress. I'll keep an eye on the pension payment, flick you in email once I have an update this afternoon as well. That's okay. Have a good one. 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morning, Simon. Let's Rissa from Oaktree Financial. How are you going? Not too bad. Not too bad at all.\n\nI just wanted to give you a call to run through everything. Did I got your text message. Did you have a couple minutes? Yes. Of course.\n\nOh, perfect. She was just timing. Perfect. Well, before I jump into it, I do need to let you know our call is recorded. And if I could get you confirmed security, I have a password on file, the 4 digits.\n\nAmazing. So the reason I wanted to call was just to kind of run through the advice document following our conversation last week. So what we did was we executed time sensitive advice where I set up the pension account ahead of a normal process, which would be to draw up advice, get that issued, then execute the the implementation. I so the pension account is active and live. I'm sure you've been getting emails from Hub the whole time with movements.\n\nYep. So as sent no. You're okay. So, essentially, what's happening is the money has moved over from accumulation to pension. So now your money is sitting in pension phase, which means that all funds can like, funds can be withdrawn.\n\nI executed a sell down of assets in pension phase, and I specifically sold down assets that I wanted to get rid of out of your portfolio. So I've done a portfolio recommendation for you as well where I'm essentially going to remove those assets from your portfolio. I did execute a sale of the assets that I could sell quickly rather than rather than assets that take a little bit longer. So I I sold what's called ETFs, exchange trade funds, because they basically will sell overnight, whereas a managed fund, just because it's a little bit more intricate and a managed fund generally has ETFs built into it, it takes kind of a couple of weeks to sell. I obviously didn't wanna try and sell that and have it take too long.\n\nSo you have the money sitting in cash already, and your pension payment is actually scheduled to go out today. Yeah. I did I did log on this morning at 07:30 and noticed that there was a little bit of a hiccup, and it looks like the pension payment's coming out about 3,190. So when Hub set it up, they set it up as the minimum and not the specific requested amount. I've already been on the phone to Hub this morning to say, hey.\n\nYou need to correct it. I'm gonna follow-up with them at 12:00, but there is this possibility that today, a partial $31.90 goes out, and then tomorrow, the remainder of the $20 will get paid. I'm hoping I can get it corrected today and just have one payment so I don't have to deal with it over two days, But there is a possibility that it might be two different payments just so you're aware. It's just it's moved so quickly, and it just happened over the weekend, so I couldn't kinda stop it. That's okay.\n\nSo everything's moving on that side. We'll get the remainder of the pension. So it'll be a full 20 within the next couple of days anyway. Payments schedule payments go out at about 03:00. So what Hub Hub does is at 03:00, they push all payments out.\n\nSo you should have it basically in your bank account tonight or you'll wake up tomorrow morning with the money in your account. So they don't do morning payments. They do afternoon payments. Now part of my advice that I've detailed, and I'm I'm send I'll send you the advice document through for you to basically read and authorize. But, essentially, what what I've recommended is, yes, the setup of the pension account and then a change of your underlying investments as well.\n\nSo I've just gotten rid of some of the assets that aren't performing too well, cost a little bit more to operate, and just gives your fund a little bit more chance to be able to maneuver and do everything. The effective way is that because we moved into pension phase before we sold anything, there's no capital gains effects on the account, which is really good. So we're saving tax by executing things in that order. And then outside of that, there are a couple of others there there's sort of one more thing that I want to do. We didn't previously discuss it, but when I was kinda going through and looking at your account, I noticed that all of your money is currently sitting in what's called a taxable element.\n\nSo what that means is that prior to 60, if you tried to withdraw any money, you would have been taxed. Now, obviously, not really an issue because they're over that 60 age bracket. So for you personally, it doesn't really change anything. However, you have your children nominated as beneficiaries on your account. Now what that means is that if you were to pass away and your because your children are going to receive the benefit directly, they would pay up to 17% tax on the taxable component.\n\nNow what I wanna do is I want to obviously, after all your pension payments paid out is do a what's called a cash out recontribution strategy. So it's actually an an estate planning strategy that will basically take all of the money that you have sitting in your account. It will in species transfer it over into what's called a investment account, and then it'll in species transfer back into a pension account. And what that does is it just it sounds convoluted, but all it's doing is it's basically grabbing the money that's sitting in a taxable component and it's converting it into a tax free component. So it means that if you were to pass away, then the kids receive that money tax free because it's already paid its highest marginal tax rate, which is great because you pay no tax because of your age.\n\nSo it's kind of a a way to navigate that tax system, put the money into a tax free environment and a state plan for the kids in the event that anything happens. Obviously, not putting on anything happening when, you know, I wanna keep you alive for as long as possible, but it's just future planning and kind of, I guess, evolving the strategy that I was already putting in place just with sort of what you have available and where we're currently sit sitting for you, I guess, position wise. Once the money goes in, you will start to accumulate a tax taxable component again because any any gross on your account goes into a taxable component. So it's not gonna be a 100% tax free forever, but at least the remainder of the money sitting in the account will be tax free. It means that we have more tax free component.\n\nThere's less tax paid if anything does happen to you, and it's just putting you in a much better position right now in the event that anything happened. Does that make sense? Yeah. That's cool. There there can be.\n\nSo the the market is always volatile, but that's why I wanna do some of the changes to your your assets so I can so I can, I guess, swap out any of the underlying assets that aren't performing and get you assets that are going to be able to sort of withstand some of that more volatility? That's not to say that that the market's not gonna, you know, possibly have a little bit of a correction or, you know, or or or go down. The good thing is is, like, right now, we're you're withdrawing a lump sum. That's the only lump sum that we're really intending on in drawing. You know, right now, we're not intending on crystallizing any more gains or losses over the next while.\n\nSo we're we're kosher on that side. Realistically, it's the only effect that would really happen is if you potentially ended up drawing more money out later while the market went through a crash. If that happened, then, yes, there could be there could be an issue with it. So volatility in the market is is, I guess, always it's not that it's it's it's calculable like it is. Like, you can obviously gain the market.\n\nYou can definitely, you know, watch it, but it's very much crystal ball. Like, what date, when does it happen, when, you know, when are things gonna occur? I have you in a it it it's so risk profile wise, I have you in sort of, like, a a level three out of, like, five. You can obviously go a lot more conservative than the five, but if we're getting, you know, sort of on that top scale of aggressiveness, I have you sitting at what's called an eighty twenty split. So at Oakview, we have, like, an aggressive portfolio that is, like, a 100% on the market.\n\nWe have a high growth that is 90% on the market. We have a a growth, which is where you're sitting, which is 80% on the market, and then there's seventy, sixty. And then you start going into the more defensive, like, defensive standing positions where you go as, like, 60 fifty fifty and, like, 40% of the market and lower and lower. But in your sort of aggressive bracket or your your high high growth growth earning bracket, you're sitting sort of in that mid range. And what that means is, like, a, your assets are diversified, So they are structured throughout multiple different sectors, and we're not just in oil.\n\nWe're not just in Gong. We're not just in one sector. We are across the market, you know, making sure we have health. We're making sure we have education, making sure we have financial institutions, all of that. So, yes, don't get me wrong.\n\nIf Trump was to do what Trump can do and and, you know, make a really, really knee jerk statement, it does affect the market. The US market affects the Australian market, generally, a couple days in you know, behind. Same as oh, I can't think of his name. Yep. Yeah.\n\nThe one thing it def it definitely can. What I'll what I'll do is, like, I'll I'm I'm sending the document to you now. I'm just I I literally was I I finished it off, and I was like, I just I wanna get on the phone and just get it get it sent to you and and not delay. So I haven't sent it to you yet, but I I what I wanted what what I will do is I will include what's called a the Vanguard index chart, which so this will show you historically how the markets have acted and it has points in in the historic like, in history that, you know, Great Depression. It shows the the 2001 tech bubble.\n\nIt shows yep. F the the c f the the Yep. GFC. Too many acronyms. Yeah.\n\nIt shows the global financial crisis as well. So and, like, you know, it shows some of the wars, all that. And it shows what the effects it had on different asset classes and and how if, you know, you've been invested across the in the market that whole time and hadn't, you know, sold out, how your money sort of would grow over that time. So history shows us while, yes, money does drop. And even so, there's been case studies on the GFC where, you know, a lot of people had historically turned around and said, well, my my, you know, I my my uncle, my aunt, my grandfather lost money during the GFC, you know, and they had to go back to to working.\n\nAbsolutely. That happened, and that was because people made knee jerk reactions during the GFC, and they sold their assets because they freaked out and they went, nope. Liquidate everything. I have to protect. I have to protect.\n\nWhereas if they'd held and granted the GFC was, it did take a long time to bounce back. But if they'd held for that eighteen months, they would have been fine. They would have had their money back. But a lot of people sold out. They sold during the low.\n\nThey crystallized what they'd already lost. And then when they bought back in, by the time you bought back in and realized the market's going up, you've already bought in at a higher price. So that's where a lot is correct. Yeah. So and don't be wrong.\n\nI have had times where I have sold out just before just before the bubble burst and sold out at the high and bought in just as the market's starting to turn back up, and I've made money for clients. But when you're dealing with a diversified portfolio like this, when you're dealing with long term assets, it's not something you wanna be doing on the daily. You wanna day trade? You day trade with a little bit of money. You don't wanna day trade with something to this extent.\n\nYou you have to be on it. Yep. Yep. Yep. Yeah.\n\nAnd he just sits there and goes, oh, it's alright. Because he knows that he's making money on the other side. Yeah. Yeah. No.\n\nAbsolutely. I think half my job is education, so you're so fine. Absolutely. Yes. I will yes.\n\nI will send you the I'll send you the Vanguard chat when I when I send the documents. I'm literally I'll zip them all up, and I'll I'll send them to you so that way you're able to see them. Sign them. No. No.\n\nTake me two seconds to to pull that. That's that's easy. I have to send you the documents anyway. So you'll have them in a little bit, hopefully, by the time you jump out of the shower. Perfect.\n\nNo. Not at all. You're so fine. Well, I will let you go and enjoy your shower. And if you have any questions when you get receive the documents, just give me a call or shoot me an email through.\n\nNo stress. No stress. I'll keep an eye on the pension payment, flick you in email once I have an update this afternoon as well. That's okay. Have a good one.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning, Simon.","start":2.56,"end":3.76,"sentiment":"positive","sentiment_score":0.43531819184621173},{"text":"Let's Rissa from Oaktree Financial.","start":3.76,"end":5.7599998,"sentiment":"positive","sentiment_score":0.37063846588134763},{"text":"How are you going?","start":5.7599998,"end":6.58,"sentiment":"positive","sentiment_score":0.34840262681245804},{"text":"Not too bad.","start":9.76,"end":10.9,"sentiment":"neutral","sentiment_score":0.17612998187541962},{"text":"Not too bad at all.","start":11.04,"end":12.66,"sentiment":"neutral","sentiment_score":0.13692396581172944}],"sentiment":"neutral","sentiment_score":0.2882883593440056,"num_words":20,"start":2.56,"end":12.66},{"sentences":[{"text":"I just wanted to give you a call to run through everything.","start":15.345,"end":17.685,"sentiment":"positive","sentiment_score":0.48052915185689926},{"text":"Did I got your text message.","start":18.385,"end":19.825,"sentiment":"neutral","sentiment_score":0.07037313096225262},{"text":"Did you have a couple minutes?","start":19.825,"end":21.025,"sentiment":"neutral","sentiment_score":0.0550104392071565},{"text":"Yes.","start":21.025,"end":21.265,"sentiment":"neutral","sentiment_score":0.07986622303724289},{"text":"Of course.","start":21.265,"end":21.925,"sentiment":"neutral","sentiment_score":0.10627150163054466}],"sentiment":"neutral","sentiment_score":0.25226149887398436,"num_words":27,"start":15.345,"end":21.925},{"sentences":[{"text":"Oh, perfect.","start":25.025,"end":25.765,"sentiment":"positive","sentiment_score":0.43781110644340515},{"text":"She was just timing.","start":33.73,"end":34.87,"sentiment":"neutral","sentiment_score":0.11724106781184673},{"text":"Perfect.","start":35.33,"end":35.83,"sentiment":"positive","sentiment_score":0.4267471432685852},{"text":"Well, before I jump into it, I do need to let you know our call is recorded.","start":35.97,"end":38.53,"sentiment":"neutral","sentiment_score":0.05347601663978661},{"text":"And if I could get you confirmed security, I have a password on file, the 4 digits.","start":38.53,"end":42.405,"sentiment":"neutral","sentiment_score":0.07862254780005007}],"sentiment":"neutral","sentiment_score":0.09797583470439039,"num_words":41,"start":25.025,"end":42.405},{"sentences":[{"text":"Amazing.","start":45.045,"end":45.545,"sentiment":"positive","sentiment_score":0.43132609128952026},{"text":"So the reason I wanted to call was just to kind of run through the advice document following our conversation last week.","start":46.164997,"end":53.684998,"sentiment":"neutral","sentiment_score":0.1777271723205393},{"text":"So what we did was we executed time sensitive advice where I set up the pension account ahead of a normal process, which would be to draw up advice, get that issued, then execute the the implementation.","start":53.684998,"end":67.020004,"sentiment":"neutral","sentiment_score":0.05770896903767779},{"text":"I so the pension account is active and live.","start":68.36,"end":70.520004,"sentiment":"neutral","sentiment_score":0.08387480013900334},{"text":"I'm sure you've been getting emails from Hub the whole time with movements.","start":70.520004,"end":74.435005,"sentiment":"neutral","sentiment_score":0.03787636771225012}],"sentiment":"neutral","sentiment_score":0.09419294778348469,"num_words":82,"start":45.045,"end":74.435005},{"sentences":[{"text":"Yep.","start":74.975,"end":75.475,"sentiment":"neutral","sentiment_score":0.0047561707906425},{"text":"So as sent no.","start":76.415,"end":81.475,"sentiment":"neutral","sentiment_score":-0.08177183382213116},{"text":"You're okay.","start":81.935,"end":82.755005,"sentiment":"neutral","sentiment_score":0.014018803834915165},{"text":"So, essentially, what's happening is the money has moved over from accumulation to pension.","start":83.295,"end":89.82,"sentiment":"neutral","sentiment_score":-0.030617734151227132},{"text":"So now your money is sitting in pension phase, which means that all funds can like, funds can be withdrawn.","start":90.36,"end":96.86,"sentiment":"neutral","sentiment_score":-0.012768544722348452}],"sentiment":"neutral","sentiment_score":-0.0238612860827366,"num_words":41,"start":74.975,"end":96.86},{"sentences":[{"text":"I executed a sell down of assets in pension phase, and I specifically sold down assets that I wanted to get rid of out of your portfolio.","start":97.48,"end":108.05499,"sentiment":"neutral","sentiment_score":-0.11704968705911327},{"text":"So I've done a portfolio recommendation for you as well where I'm essentially going to remove those assets from your portfolio.","start":108.05499,"end":116.314995,"sentiment":"neutral","sentiment_score":-0.019756566965952516},{"text":"I did execute a sale of the assets that I could sell quickly rather than rather than assets that take a little bit longer.","start":116.96,"end":123.44,"sentiment":"neutral","sentiment_score":0.0028103176349153123},{"text":"So I I sold what's called ETFs, exchange trade funds, because they basically will sell overnight, whereas a managed fund, just because it's a little bit more intricate and a managed fund generally has ETFs built into it, it takes kind of a couple of weeks to sell.","start":123.44,"end":138.055,"sentiment":"neutral","sentiment_score":-0.03512181648208449},{"text":"I obviously didn't wanna try and sell that and have it take too long.","start":138.055,"end":141.19499,"sentiment":"neutral","sentiment_score":-0.1847601511648723}],"sentiment":"neutral","sentiment_score":-0.058061724933517626,"num_words":134,"start":97.48,"end":141.19499},{"sentences":[{"text":"So you have the money sitting in cash already, and your pension payment is actually scheduled to go out today.","start":141.495,"end":147.98,"sentiment":"neutral","sentiment_score":0.08349028304219246},{"text":"Yeah.","start":148.36,"end":148.86,"sentiment":"neutral","sentiment_score":0.15033048391342163},{"text":"I did I did log on this morning at 07:30 and noticed that there was a little bit of a hiccup, and it looks like the pension payment's coming out about 3,190.","start":149.16,"end":157.18,"sentiment":"neutral","sentiment_score":-0.07614199025556445},{"text":"So when Hub set it up, they set it up as the minimum and not the specific requested amount.","start":157.31999,"end":162.785,"sentiment":"neutral","sentiment_score":-0.09579675056432423},{"text":"I've already been on the phone to Hub this morning to say, hey.","start":163.005,"end":166.065,"sentiment":"neutral","sentiment_score":-0.061440123101839654}],"sentiment":"neutral","sentiment_score":-0.03806196946431609,"num_words":85,"start":141.495,"end":166.065},{"sentences":[{"text":"You need to correct it.","start":166.205,"end":167.66501,"sentiment":"neutral","sentiment_score":-0.09896064549684525},{"text":"I'm gonna follow-up with them at 12:00, but there is this possibility that today, a partial $31.90 goes out, and then tomorrow, the remainder of the $20 will get paid.","start":168.765,"end":180.59999,"sentiment":"neutral","sentiment_score":-0.006236332034071286},{"text":"I'm hoping I can get it corrected today and just have one payment so I don't have to deal with it over two days, But there is a possibility that it might be two different payments just so you're aware.","start":180.9,"end":191.715,"sentiment":"neutral","sentiment_score":0.0004966045555192978},{"text":"It's just it's moved so quickly, and it just happened over the weekend, so I couldn't kinda stop it.","start":193.61499,"end":198.03,"sentiment":"neutral","sentiment_score":0.013881673644247809},{"text":"That's okay.","start":202.03,"end":202.83,"sentiment":"neutral","sentiment_score":0.1292527336627245}],"sentiment":"neutral","sentiment_score":-0.0014559556220774539,"num_words":96,"start":166.205,"end":202.83},{"sentences":[{"text":"So everything's moving on that side.","start":202.83,"end":204.75,"sentiment":"neutral","sentiment_score":0.1770340104897817},{"text":"We'll get the remainder of the pension.","start":204.75,"end":206.03,"sentiment":"neutral","sentiment_score":0.20108568029744284},{"text":"So it'll be a full 20 within the next couple of days anyway.","start":206.03,"end":209.56999,"sentiment":"neutral","sentiment_score":0.1499640202293029},{"text":"Payments schedule payments go out at about 03:00.","start":210.35,"end":214.025,"sentiment":"neutral","sentiment_score":0.034800284542143345},{"text":"So what Hub Hub does is at 03:00, they push all payments out.","start":214.485,"end":218.345,"sentiment":"neutral","sentiment_score":0.057377275079488754}],"sentiment":"neutral","sentiment_score":0.11582219022068571,"num_words":47,"start":202.83,"end":218.345},{"sentences":[{"text":"So you should have it basically in your bank account tonight or you'll wake up tomorrow morning with the money in your account.","start":218.885,"end":224.485,"sentiment":"neutral","sentiment_score":0.15971284132936728},{"text":"So they don't do morning payments.","start":224.485,"end":225.765,"sentiment":"neutral","sentiment_score":0.04169826830426852},{"text":"They do afternoon payments.","start":225.765,"end":226.86,"sentiment":"neutral","sentiment_score":0.2955741733312607},{"text":"Now part of my advice that I've detailed, and I'm I'm send I'll send you the advice document through for you to basically read and authorize.","start":230.14,"end":238.4,"sentiment":"neutral","sentiment_score":0.20901032594534066},{"text":"But, essentially, what what I've recommended is, yes, the setup of the pension account and then a change of your underlying investments as well.","start":238.46,"end":247.575,"sentiment":"neutral","sentiment_score":0.1533529016499718}],"sentiment":"neutral","sentiment_score":0.1713327682880034,"num_words":83,"start":218.885,"end":247.575},{"sentences":[{"text":"So I've just gotten rid of some of the assets that aren't performing too well, cost a little bit more to operate, and just gives your fund a little bit more chance to be able to maneuver and do everything.","start":247.575,"end":257.755,"sentiment":"neutral","sentiment_score":0.131135390792042},{"text":"The effective way is that because we moved into pension phase before we sold anything, there's no capital gains effects on the account, which is really good.","start":258.96,"end":266.8,"sentiment":"positive","sentiment_score":0.34011759139873365},{"text":"So we're saving tax by executing things in that order.","start":266.8,"end":270.26,"sentiment":"neutral","sentiment_score":0.2960259228944778},{"text":"And then outside of that, there are a couple of others there there's sort of one more thing that I want to do.","start":271.365,"end":276.405,"sentiment":"neutral","sentiment_score":0.04966777587390464},{"text":"We didn't previously discuss it, but when I was kinda going through and looking at your account, I noticed that all of your money is currently sitting in what's called a taxable element.","start":276.405,"end":286.92,"sentiment":"neutral","sentiment_score":-0.06282902390442112}],"sentiment":"neutral","sentiment_score":0.12374323973418179,"num_words":133,"start":247.575,"end":286.92},{"sentences":[{"text":"So what that means is that prior to 60, if you tried to withdraw any money, you would have been taxed.","start":287.06003,"end":294.26,"sentiment":"neutral","sentiment_score":-0.09185027313374337},{"text":"Now, obviously, not really an issue because they're over that 60 age bracket.","start":294.26,"end":299.465,"sentiment":"neutral","sentiment_score":-0.04120640972485909},{"text":"So for you personally, it doesn't really change anything.","start":300.645,"end":303.545,"sentiment":"neutral","sentiment_score":0.008452982809912},{"text":"However, you have your children nominated as beneficiaries on your account.","start":303.92502,"end":310.025,"sentiment":"neutral","sentiment_score":0.12030233171853152},{"text":"Now what that means is that if you were to pass away and your because your children are going to receive the benefit directly, they would pay up to 17% tax on the taxable component.","start":310.79,"end":324.01,"sentiment":"neutral","sentiment_score":-0.018673321285418102}],"sentiment":"neutral","sentiment_score":-0.01931126756211638,"num_words":89,"start":287.06003,"end":324.01},{"sentences":[{"text":"Now what I wanna do is I want to obviously, after all your pension payments paid out is do a what's called a cash out recontribution strategy.","start":325.54498,"end":333.305,"sentiment":"neutral","sentiment_score":0.18656176687390716},{"text":"So it's actually an an estate planning strategy that will basically take all of the money that you have sitting in your account.","start":333.305,"end":340.56,"sentiment":"neutral","sentiment_score":0.2093608619078346},{"text":"It will in species transfer it over into what's called a investment account, and then it'll in species transfer back into a pension account.","start":340.8,"end":348.82,"sentiment":"neutral","sentiment_score":0.13657821249216795},{"text":"And what that does is it just it sounds convoluted, but all it's doing is it's basically grabbing the money that's sitting in a taxable component and it's converting it into a tax free component.","start":349.52,"end":359.83502,"sentiment":"neutral","sentiment_score":0.14266091350998197},{"text":"So it means that if you were to pass away, then the kids receive that money tax free because it's already paid its highest marginal tax rate, which is great because you pay no tax because of your age.","start":360.135,"end":372.63,"sentiment":"positive","sentiment_score":0.33652589718500775}],"sentiment":"neutral","sentiment_score":0.21113504454292156,"num_words":148,"start":325.54498,"end":372.63},{"sentences":[{"text":"So it's kind of a a way to navigate that tax system, put the money into a tax free environment and a state plan for the kids in the event that anything happens.","start":372.85,"end":382.245,"sentiment":"positive","sentiment_score":0.4560025975559697},{"text":"Obviously, not putting on anything happening when, you know, I wanna keep you alive for as long as possible, but it's just future planning and kind of, I guess, evolving the strategy that I was already putting in place just with sort of what you have available and where we're currently sit sitting for you, I guess, position wise.","start":382.485,"end":402.25998,"sentiment":"neutral","sentiment_score":0.15062648272615367},{"text":"Once the money goes in, you will start to accumulate a tax taxable component again because any any gross on your account goes into a taxable component.","start":403.36,"end":413.605,"sentiment":"neutral","sentiment_score":0.11574214724478898},{"text":"So it's not gonna be a 100% tax free forever, but at least the remainder of the money sitting in the account will be tax free.","start":413.605,"end":419.285,"sentiment":"neutral","sentiment_score":0.22711841991314521},{"text":"It means that we have more tax free component.","start":419.285,"end":421.92,"sentiment":"neutral","sentiment_score":0.28051766380667686}],"sentiment":"neutral","sentiment_score":0.23045340303767037,"num_words":154,"start":372.85,"end":421.92},{"sentences":[{"text":"There's less tax paid if anything does happen to you, and it's just putting you in a much better position right now in the event that anything happened.","start":421.92,"end":430.42,"sentiment":"positive","sentiment_score":0.39536632491009577},{"text":"Does that make sense?","start":431.12,"end":432.26,"sentiment":"neutral","sentiment_score":0.09515597857534885},{"text":"Yeah.","start":433.28,"end":433.68002,"sentiment":"neutral","sentiment_score":0.28067412972450256},{"text":"That's cool.","start":433.68002,"end":434.5,"sentiment":"positive","sentiment_score":0.5322381854057312},{"text":"There there can be.","start":467.065,"end":468.345,"sentiment":"neutral","sentiment_score":-0.07449180353432894}],"sentiment":"neutral","sentiment_score":0.3204631871328904,"num_words":39,"start":421.92,"end":468.345},{"sentences":[{"text":"So the the market is always volatile, but that's why I wanna do some of the changes to your your assets so I can so I can, I guess, swap out any of the underlying assets that aren't performing and get you assets that are going to be able to sort of withstand some of that more volatility?","start":468.345,"end":484.66,"sentiment":"neutral","sentiment_score":0.08106787800427591},{"text":"That's not to say that that the market's not gonna, you know, possibly have a little bit of a correction or, you know, or or or go down.","start":484.88,"end":492.57498,"sentiment":"neutral","sentiment_score":-0.1536966852311577},{"text":"The good thing is is, like, right now, we're you're withdrawing a lump sum.","start":493.035,"end":496.07498,"sentiment":"positive","sentiment_score":0.3379687624318259},{"text":"That's the only lump sum that we're really intending on in drawing.","start":496.07498,"end":498.57498,"sentiment":"neutral","sentiment_score":0.2579861022531986},{"text":"You know, right now, we're not intending on crystallizing any more gains or losses over the next while.","start":499.03497,"end":503.97998,"sentiment":"neutral","sentiment_score":-0.0833415159334739}],"sentiment":"neutral","sentiment_score":0.051735987323515406,"num_words":130,"start":468.345,"end":503.97998},{"sentences":[{"text":"So we're we're kosher on that side.","start":505.24,"end":507.41998,"sentiment":"neutral","sentiment_score":-0.14901050605944224},{"text":"Realistically, it's the only effect that would really happen is if you potentially ended up drawing more money out later while the market went through a crash.","start":507.56,"end":516.705,"sentiment":"neutral","sentiment_score":-0.31861754989734403},{"text":"If that happened, then, yes, there could be there could be an issue with it.","start":516.78503,"end":520.885,"sentiment":"neutral","sentiment_score":-0.09541539785762627},{"text":"So volatility in the market is is, I guess, always it's not that it's it's it's calculable like it is.","start":548.64496,"end":560.005,"sentiment":"neutral","sentiment_score":-0.2928502522408962},{"text":"Like, you can obviously gain the market.","start":560.005,"end":562.21,"sentiment":"neutral","sentiment_score":0.07148721494844981}],"sentiment":"neutral","sentiment_score":-0.21623122233799413,"num_words":76,"start":505.24,"end":562.21},{"sentences":[{"text":"You can definitely, you know, watch it, but it's very much crystal ball.","start":562.21,"end":566.61005,"sentiment":"neutral","sentiment_score":-0.015271841333462642},{"text":"Like, what date, when does it happen, when, you know, when are things gonna occur?","start":566.61005,"end":570.71,"sentiment":"neutral","sentiment_score":-0.10915885070959727},{"text":"I have you in a it it it's so risk profile wise, I have you in sort of, like, a a level three out of, like, five.","start":572.45,"end":585.635,"sentiment":"neutral","sentiment_score":-0.04017467244907662},{"text":"You can obviously go a lot more conservative than the five, but if we're getting, you know, sort of on that top scale of aggressiveness, I have you sitting at what's called an eighty twenty split.","start":587.49,"end":596.23,"sentiment":"neutral","sentiment_score":0.060066495556384325},{"text":"So at Oakview, we have, like, an aggressive portfolio that is, like, a 100% on the market.","start":596.52997,"end":600.69,"sentiment":"neutral","sentiment_score":0.1639052384039935}],"sentiment":"neutral","sentiment_score":0.018779167025867436,"num_words":108,"start":562.21,"end":600.69},{"sentences":[{"text":"We have a high growth that is 90% on the market.","start":600.69,"end":603.515,"sentiment":"neutral","sentiment_score":0.23363456671888178},{"text":"We have a a growth, which is where you're sitting, which is 80% on the market, and then there's seventy, sixty.","start":603.515,"end":609.135,"sentiment":"neutral","sentiment_score":0.1365290174172038},{"text":"And then you start going into the more defensive, like, defensive standing positions where you go as, like, 60 fifty fifty and, like, 40% of the market and lower and lower.","start":609.27496,"end":619.87,"sentiment":"neutral","sentiment_score":0.06110909713372108},{"text":"But in your sort of aggressive bracket or your your high high growth growth earning bracket, you're sitting sort of in that mid range.","start":620.25,"end":627.79,"sentiment":"neutral","sentiment_score":0.15156023390591145},{"text":"And what that means is, like, a, your assets are diversified, So they are structured throughout multiple different sectors, and we're not just in oil.","start":628.25,"end":637.315,"sentiment":"neutral","sentiment_score":0.12639307081699372}],"sentiment":"neutral","sentiment_score":0.12614949995518795,"num_words":112,"start":600.69,"end":637.315},{"sentences":[{"text":"We're not just in Gong.","start":637.315,"end":638.515,"sentiment":"neutral","sentiment_score":0.16310933232307434},{"text":"We're not just in one sector.","start":638.515,"end":640.295,"sentiment":"neutral","sentiment_score":0.13520772755146027},{"text":"We are across the market, you know, making sure we have health.","start":640.515,"end":643.315,"sentiment":"neutral","sentiment_score":0.18509967376788458},{"text":"We're making sure we have education, making sure we have financial institutions, all of that.","start":643.315,"end":647.255,"sentiment":"neutral","sentiment_score":0.1746662343541781},{"text":"So, yes, don't get me wrong.","start":647.76,"end":649.2,"sentiment":"neutral","sentiment_score":-0.020007753123839695}],"sentiment":"neutral","sentiment_score":0.14427127519791777,"num_words":44,"start":637.315,"end":649.2},{"sentences":[{"text":"If Trump was to do what Trump can do and and, you know, make a really, really knee jerk statement, it does affect the market.","start":649.2,"end":657.76,"sentiment":"negative","sentiment_score":-0.33369417071342466},{"text":"The US market affects the Australian market, generally, a couple days in you know, behind.","start":657.76,"end":662.26,"sentiment":"neutral","sentiment_score":-0.20628587504227955},{"text":"Same as oh, I can't think of his name.","start":663.935,"end":669.71497,"sentiment":"neutral","sentiment_score":-0.15863916526238123},{"text":"Yep.","start":671.855,"end":672.355,"sentiment":"neutral","sentiment_score":-0.12056799978017808},{"text":"Yeah.","start":683.05,"end":683.55,"sentiment":"neutral","sentiment_score":-0.08076846599578857}],"sentiment":"neutral","sentiment_score":-0.2561908107177884,"num_words":51,"start":649.2,"end":683.55},{"sentences":[{"text":"The one thing it def it definitely can.","start":684.81,"end":690.49,"sentiment":"neutral","sentiment_score":-0.012162604369223118},{"text":"What I'll what I'll do is, like, I'll I'm I'm sending the document to you now.","start":690.49,"end":695.025,"sentiment":"neutral","sentiment_score":0.08029725798405707},{"text":"I'm just I I literally was I I finished it off, and I was like, I just I wanna get on the phone and just get it get it sent to you and and not delay.","start":695.025,"end":702.805,"sentiment":"neutral","sentiment_score":0.05432016350742844},{"text":"So I haven't sent it to you yet, but I I what I wanted what what I will do is I will include what's called a the Vanguard index chart, which so this will show you historically how the markets have acted and it has points in in the historic like, in history that, you know, Great Depression.","start":704.97,"end":731.115,"sentiment":"neutral","sentiment_score":0.0761346942905722},{"text":"It shows the the 2001 tech bubble.","start":731.115,"end":735.76996,"sentiment":"neutral","sentiment_score":0.0433323798435075}],"sentiment":"neutral","sentiment_score":0.06289696085453034,"num_words":125,"start":684.81,"end":735.76996},{"sentences":[{"text":"It shows yep.","start":735.82996,"end":737.26996,"sentiment":"neutral","sentiment_score":0.02753516286611557},{"text":"F the the c f the the Yep.","start":737.26996,"end":740.38995,"sentiment":"neutral","sentiment_score":0.017376668518409133},{"text":"GFC.","start":740.47,"end":740.97,"sentiment":"neutral","sentiment_score":-0.02321651205420494},{"text":"Too many acronyms.","start":741.75,"end":742.73,"sentiment":"neutral","sentiment_score":-0.178371399641037},{"text":"Yeah.","start":746.55,"end":747.05,"sentiment":"neutral","sentiment_score":-0.0016813017427921295}],"sentiment":"neutral","sentiment_score":-0.021149573498405516,"num_words":16,"start":735.82996,"end":747.05},{"sentences":[{"text":"It shows the global financial crisis as well.","start":747.35,"end":749.35,"sentiment":"neutral","sentiment_score":-0.1408834606409073},{"text":"So and, like, you know, it shows some of the wars, all that.","start":749.35,"end":752.865,"sentiment":"neutral","sentiment_score":-0.13498300887071168},{"text":"And it shows what the effects it had on different asset classes and and how if, you know, you've been invested across the in the market that whole time and hadn't, you know, sold out, how your money sort of would grow over that time.","start":752.865,"end":768.5,"sentiment":"neutral","sentiment_score":-0.07879401180479262},{"text":"So history shows us while, yes, money does drop.","start":769.68,"end":772.82,"sentiment":"neutral","sentiment_score":-0.12171273306012154},{"text":"And even so, there's been case studies on the GFC where, you know, a lot of people had historically turned around and said, well, my my, you know, I my my uncle, my aunt, my grandfather lost money during the GFC, you know, and they had to go back to to working.","start":772.96,"end":791.28,"sentiment":"neutral","sentiment_score":-0.1067314382033566}],"sentiment":"neutral","sentiment_score":-0.10293721823447098,"num_words":127,"start":747.35,"end":791.28},{"sentences":[{"text":"Absolutely.","start":791.52,"end":791.84,"sentiment":"neutral","sentiment_score":0.0625474750995636},{"text":"That happened, and that was because people made knee jerk reactions during the GFC, and they sold their assets because they freaked out and they went, nope.","start":791.84,"end":798.96,"sentiment":"neutral","sentiment_score":-0.22995126771706123},{"text":"Liquidate everything.","start":798.96,"end":799.86005,"sentiment":"negative","sentiment_score":-0.5774591267108917},{"text":"I have to protect.","start":800.4,"end":801.12006,"sentiment":"negative","sentiment_score":-0.41194727271795273},{"text":"I have to protect.","start":801.12006,"end":801.92004,"sentiment":"neutral","sentiment_score":-0.20719404518604279}],"sentiment":"neutral","sentiment_score":-0.2573057967973383,"num_words":38,"start":791.52,"end":801.92004},{"sentences":[{"text":"Whereas if they'd held and granted the GFC was, it did take a long time to bounce back.","start":801.92004,"end":807.615,"sentiment":"neutral","sentiment_score":-0.26691680153210956},{"text":"But if they'd held for that eighteen months, they would have been fine.","start":807.995,"end":811.195,"sentiment":"neutral","sentiment_score":-0.17778549515284026},{"text":"They would have had their money back.","start":811.195,"end":812.89496,"sentiment":"neutral","sentiment_score":-0.22158155483858927},{"text":"But a lot of people sold out.","start":813.755,"end":815.195,"sentiment":"negative","sentiment_score":-0.38578971156052183},{"text":"They sold during the low.","start":815.195,"end":816.735,"sentiment":"neutral","sentiment_score":-0.1602575570344925}],"sentiment":"neutral","sentiment_score":-0.24337201029062272,"num_words":50,"start":801.92004,"end":816.735},{"sentences":[{"text":"They crystallized what they'd already lost.","start":816.795,"end":819.615,"sentiment":"neutral","sentiment_score":-0.26240410779913265},{"text":"And then when they bought back in, by the time you bought back in and realized the market's going up, you've already bought in at a higher price.","start":820.08997,"end":826.67,"sentiment":"neutral","sentiment_score":-0.10595337620803288},{"text":"So that's where a lot is correct.","start":827.37,"end":830.51,"sentiment":"neutral","sentiment_score":-0.14187262366924966},{"text":"Yeah.","start":830.64996,"end":830.97,"sentiment":"neutral","sentiment_score":0.11460164934396744},{"text":"So and don't be wrong.","start":830.97,"end":832.49,"sentiment":"neutral","sentiment_score":0.019774607568979263}],"sentiment":"neutral","sentiment_score":-0.11320750764075746,"num_words":47,"start":816.795,"end":832.49},{"sentences":[{"text":"I have had times where I have sold out just before just before the bubble burst and sold out at the high and bought in just as the market's starting to turn back up, and I've made money for clients.","start":832.49,"end":843.755,"sentiment":"neutral","sentiment_score":0.18444351106882095},{"text":"But when you're dealing with a diversified portfolio like this, when you're dealing with long term assets, it's not something you wanna be doing on the daily.","start":844.055,"end":850.35,"sentiment":"neutral","sentiment_score":-0.01348312782054698},{"text":"You wanna day trade?","start":850.35,"end":851.38995,"sentiment":"neutral","sentiment_score":0.003366499673575163},{"text":"You day trade with a little bit of money.","start":851.38995,"end":852.91,"sentiment":"neutral","sentiment_score":-0.04631154591010676},{"text":"You don't wanna day trade with something to this extent.","start":852.91,"end":856.69,"sentiment":"neutral","sentiment_score":-0.11018080785870552}],"sentiment":"neutral","sentiment_score":0.061206111094603936,"num_words":90,"start":832.49,"end":856.69},{"sentences":[{"text":"You you have to be on it.","start":861.70996,"end":863.25,"sentiment":"neutral","sentiment_score":0.012938287907413073},{"text":"Yep.","start":863.38995,"end":863.88995,"sentiment":"neutral","sentiment_score":0.06342317163944244},{"text":"Yep.","start":870.80505,"end":871.30505,"sentiment":"neutral","sentiment_score":-0.05056443065404892},{"text":"Yep.","start":875.125,"end":875.625,"sentiment":"neutral","sentiment_score":-0.050581153482198715},{"text":"Yeah.","start":875.68506,"end":875.92505,"sentiment":"neutral","sentiment_score":-0.13715317845344543}],"sentiment":"neutral","sentiment_score":-0.007664325054396282,"num_words":11,"start":861.70996,"end":875.92505},{"sentences":[{"text":"And he just sits there and goes, oh, it's alright.","start":875.92505,"end":877.78503,"sentiment":"neutral","sentiment_score":-0.2409182995557785},{"text":"Because he knows that he's making money on the other side.","start":878.085,"end":880.41003,"sentiment":"neutral","sentiment_score":-0.03432234918529337},{"text":"Yeah.","start":881.43,"end":881.93,"sentiment":"neutral","sentiment_score":0.06123233586549759},{"text":"Yeah.","start":896.95496,"end":897.45496,"sentiment":"neutral","sentiment_score":0.17702408134937286},{"text":"No.","start":910.57,"end":911.07,"sentiment":"neutral","sentiment_score":-0.15935087203979492}],"sentiment":"neutral","sentiment_score":-0.11282597047587235,"num_words":24,"start":875.92505,"end":911.07},{"sentences":[{"text":"Absolutely.","start":911.53,"end":912.03,"sentiment":"neutral","sentiment_score":0.08937177062034607},{"text":"I think half my job is education, so you're so fine.","start":914.65,"end":917.37,"sentiment":"neutral","sentiment_score":0.1862468533217907},{"text":"Absolutely.","start":917.37,"end":917.87,"sentiment":"neutral","sentiment_score":0.2850925326347351},{"text":"Yes.","start":929.865,"end":930.265,"sentiment":"neutral","sentiment_score":0.06969055533409119},{"text":"I will yes.","start":930.265,"end":933.22504,"sentiment":"neutral","sentiment_score":0.059187362591425575}],"sentiment":"neutral","sentiment_score":0.1570842548766557,"num_words":17,"start":911.53,"end":933.22504},{"sentences":[{"text":"I will send you the I'll send you the Vanguard chat when I when I send the documents.","start":933.22504,"end":936.7,"sentiment":"neutral","sentiment_score":0.08569077940450774},{"text":"I'm literally I'll zip them all up, and I'll I'll send them to you so that way you're able to see them.","start":936.7,"end":943.98004,"sentiment":"neutral","sentiment_score":0.0708995923738588},{"text":"Sign them.","start":943.98004,"end":944.72003,"sentiment":"neutral","sentiment_score":-0.10955921560525894},{"text":"No.","start":945.42004,"end":945.82,"sentiment":"neutral","sentiment_score":-0.10982701927423476},{"text":"No.","start":945.82,"end":946.32,"sentiment":"neutral","sentiment_score":-0.08226986229419708}],"sentiment":"neutral","sentiment_score":0.06115931247107007,"num_words":44,"start":933.22504,"end":946.32},{"sentences":[{"text":"Take me two seconds to to pull that.","start":946.46,"end":948.14,"sentiment":"neutral","sentiment_score":-0.027286316733807325},{"text":"That's that's easy.","start":948.14,"end":949.2,"sentiment":"neutral","sentiment_score":0.030832090725501377},{"text":"I have to send you the documents anyway.","start":949.455,"end":950.895,"sentiment":"neutral","sentiment_score":0.21720887999981642},{"text":"So you'll have them in a little bit, hopefully, by the time you jump out of the shower.","start":950.895,"end":954.11505,"sentiment":"neutral","sentiment_score":0.12979931591285598},{"text":"Perfect.","start":972.95,"end":973.45,"sentiment":"neutral","sentiment_score":0.19327659904956815}],"sentiment":"neutral","sentiment_score":0.10898792273119877,"num_words":38,"start":946.46,"end":973.45},{"sentences":[{"text":"No.","start":974.825,"end":975.22504,"sentiment":"neutral","sentiment_score":-0.15442800521850586},{"text":"Not at all.","start":975.22504,"end":975.945,"sentiment":"neutral","sentiment_score":-0.18149971961975098},{"text":"You're so fine.","start":975.945,"end":977.085,"sentiment":"neutral","sentiment_score":0.11834350104133289},{"text":"Well, I will let you go and enjoy your shower.","start":977.22504,"end":979.385,"sentiment":"positive","sentiment_score":0.43863441050052643},{"text":"And if you have any questions when you get receive the documents, just give me a call or shoot me an email through.","start":979.385,"end":985.145,"sentiment":"neutral","sentiment_score":0.0474240287490513}],"sentiment":"neutral","sentiment_score":0.1283300026319921,"num_words":40,"start":974.825,"end":985.145},{"sentences":[{"text":"No stress.","start":985.145,"end":985.805,"sentiment":"neutral","sentiment_score":0.14919329434633255},{"text":"No stress.","start":988.31995,"end":988.88,"sentiment":"neutral","sentiment_score":0.3231448531150818},{"text":"I'll keep an eye on the pension payment, flick you in email once I have an update this afternoon as well.","start":988.88,"end":992.66,"sentiment":"positive","sentiment_score":0.35452733295304434},{"text":"That's okay.","start":994.72,"end":995.36,"sentiment":"positive","sentiment_score":0.6852329075336456},{"text":"Have a good one.","start":995.36,"end":996.33997,"sentiment":"positive","sentiment_score":0.6976184546947479}],"sentiment":"positive","sentiment_score":0.4048609651865498,"num_words":31,"start":985.145,"end":996.33997},{"sentences":[{"text":"Bye.","start":997.75995,"end":998.25995,"sentiment":"neutral","sentiment_score":-0.08695350587368011}],"sentiment":"neutral","sentiment_score":-0.08695350587368011,"num_words":1,"start":997.75995,"end":998.25995}]}}]},{"alternatives":[{"transcript":"Hello? I'm kinda right. How are you going? Uh-huh. Good day. Great. Uh-huh. Yeah. Yeah. Totally. Yeah. I was just about to get in the shower, so that's a good timing. Yes. Just before I went in, I was just grabbing this phone, and I better grab the phone in case she calls back and then oh, the timing. Yes. Yeah. Yeah. 5566. Yeah. Yep. Okay. Yeah. I've got an email. Yep. Yep. I was looking at it going, couldn't quite work it out, but and then I finally clicked what was going on. Yeah. Right. Yep. Yep. Okay. Okay. Yep. Okay. Great. Fantastic. Code. Okay. Yep. Right. Okay. Yep. Right. Okay. Okay. No worries. Yep. Yep. Uh-huh. It's okay. Thanks for getting in there anyway. Yep. Great. Excellent. You're great. Thank you. Yeah. Great. Yep. Yep. Yep. Yep. Yeah. Yeah. Right. Okay. Yeah. Right. Right. Sure. Yeah. Thanks. Yep. Yeah. Yeah. Alright. Yeah. Sure. Yep. Sure. Yeah. Yeah. I mean, from what it's a is is the market volatile at the moment? I mean, I've got I was just had I just went with the mate for a couple of weeks a little while back, and he's doing the spot back and stuff. And he's just, you know, he's right on to the market, and he's just saying, yeah. It's pretty volatile. I think because of, you know I mean, he's putting his money into stuff like oil and stuff, but, like, you know, it's just yeah. It's it's quite a bit of a code and data sort of stuff that goes on there. Yeah. Yes. No. Yeah. Right. Yeah. Right. It has I mean, I mean, I I sort of read a bit, but it's like it's it's fairly edgy at the moment. Right? I mean, you know, on the on the world sort of economy at the minute. You know? Which all sort of I don't know. Something I was reading this morning was yeah. It's it's it's a fairly what would you say? Times are a little bit uncertain. Would you say? Mhmm. Right. Yep. Right. Yeah. Yep. Yep. Yeah. Sure. Yeah. Yeah. Yeah. So it's like the the borrowing and the US dollar and that kind of stuff that I've been reading about. So I don't know how it just feels. Yeah. Yeah. Who knows what's gonna happen really with with Trump, especially, like, in his volatility. And yeah. And how that sort of reflects back on the Australian market as well or the world market. You know? Yep. Right. On an actual pricing. Yeah. GFC. Yeah. Yeah. There's definitely too many acronyms. Yep. Uh-huh. Yes. Yes. Right. Yep. Right. Yep. Yep. Yeah. Yeah. Yeah. So lose lose. Yeah. Right. Yeah. Yeah. Absolutely. I mean, honestly, I spent two weeks watching him do it and, like, yeah. Yeah. It's paid trading. I was like, yeah. He's on it. He's on it. I was like, no. I didn't watch him. I couldn't do it. And he's like, I think he lost money. But he said overall, he made money, but I watched him lose money. You know, just watch $11. There you go. Fuck. Yeah. Yeah. That's right. I'll I'll make a pack. Yeah. I made money before. I'm ahead. You know? He wasn't prepared for the day. He wasn't happy that day. But, like, yeah. Yeah. He recovered. Yeah. That's alright. In the end, you know, if you're patient, you'll you'll, you know, you'll come out on top. Like you say, you just don't panic. You know? I guess that's the thing. Yeah. But, yeah, no. No. I definitely trust what you're doing and, you know, your strategy, and you sound like you're all over it. So, yeah, you know, I'm not stressed at all about any of that stuff. I'm just I'm just interested. That's all, you know, it's quite interesting to try and stay on top of a little bit of what's happening in the world. You know? Right. Yeah. No worries. Cheers. Yeah. So anyway so, yeah, that'd be good. It'd be interesting for me to look at that, definitely. I'd be interested in having a look at that. And then go again and just, you know, just have a overall historical look. You know? Yeah. I don't wanna make more work for you though. You know? Like but yeah. Okay. Alright. Great. Okay. Yep. Okay. Right. Yes. Yes. No worries. Well, I've done my morning exercise, and now I'm off to the shower. You know? This is my my strategy of staying younger for longer. It's nice. It's multifaceted, but I intend to live for quite a while. Yeah. So but I'm doing the work that it takes to do that. So that's where I'm at. I know you didn't need to hear that, but anyway oh god. Yep. Okay. Yep. Okay. No worries. Alright. Great. Thanks a lot, Marissa. Okay. Excellent. Thank you very much. Okay. You too. 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I'm kinda right. How are you going? Uh-huh. Good day.\n\nGreat. Uh-huh. Yeah. Yeah. Totally.\n\nYeah. I was just about to get in the shower, so that's a good timing. Yes. Just before I went in, I was just grabbing this phone, and I better grab the phone in case she calls back and then oh, the timing. Yes.\n\nYeah. Yeah. 5566. Yeah. Yep.\n\nOkay. Yeah. I've got an email. Yep. Yep.\n\nI was looking at it going, couldn't quite work it out, but and then I finally clicked what was going on. Yeah. Right. Yep. Yep.\n\nOkay. Okay. Yep. Okay. Great.\n\nFantastic. Code. Okay. Yep. Right.\n\nOkay. Yep. Right. Okay. Okay.\n\nNo worries. Yep. Yep. Uh-huh. It's okay.\n\nThanks for getting in there anyway. Yep. Great. Excellent. You're great.\n\nThank you. Yeah. Great. Yep. Yep.\n\nYep. Yep. Yeah. Yeah. Right.\n\nOkay. Yeah. Right. Right. Sure.\n\nYeah. Thanks. Yep. Yeah. Yeah.\n\nAlright. Yeah. Sure. Yep. Sure.\n\nYeah. Yeah. I mean, from what it's a is is the market volatile at the moment? I mean, I've got I was just had I just went with the mate for a couple of weeks a little while back, and he's doing the spot back and stuff. And he's just, you know, he's right on to the market, and he's just saying, yeah.\n\nIt's pretty volatile. I think because of, you know I mean, he's putting his money into stuff like oil and stuff, but, like, you know, it's just yeah. It's it's quite a bit of a code and data sort of stuff that goes on there. Yeah. Yes.\n\nNo. Yeah. Right. Yeah. Right.\n\nIt has I mean, I mean, I I sort of read a bit, but it's like it's it's fairly edgy at the moment. Right? I mean, you know, on the on the world sort of economy at the minute. You know? Which all sort of I don't know.\n\nSomething I was reading this morning was yeah. It's it's it's a fairly what would you say? Times are a little bit uncertain. Would you say? Mhmm.\n\nRight. Yep. Right. Yeah. Yep.\n\nYep. Yeah. Sure. Yeah. Yeah.\n\nYeah. So it's like the the borrowing and the US dollar and that kind of stuff that I've been reading about. So I don't know how it just feels. Yeah. Yeah.\n\nWho knows what's gonna happen really with with Trump, especially, like, in his volatility. And yeah. And how that sort of reflects back on the Australian market as well or the world market. You know? Yep.\n\nRight. On an actual pricing. Yeah. GFC. Yeah.\n\nYeah. There's definitely too many acronyms. Yep. Uh-huh. Yes.\n\nYes. Right. Yep. Right. Yep.\n\nYep. Yeah. Yeah. Yeah. So lose lose.\n\nYeah. Right. Yeah. Yeah. Absolutely.\n\nI mean, honestly, I spent two weeks watching him do it and, like, yeah. Yeah. It's paid trading. I was like, yeah. He's on it.\n\nHe's on it. I was like, no. I didn't watch him. I couldn't do it. And he's like, I think he lost money.\n\nBut he said overall, he made money, but I watched him lose money. You know, just watch $11. There you go. Fuck. Yeah.\n\nYeah. That's right. I'll I'll make a pack. Yeah. I made money before.\n\nI'm ahead. You know? He wasn't prepared for the day. He wasn't happy that day. But, like, yeah.\n\nYeah. He recovered. Yeah. That's alright. In the end, you know, if you're patient, you'll you'll, you know, you'll come out on top.\n\nLike you say, you just don't panic. You know? I guess that's the thing. Yeah. But, yeah, no.\n\nNo. I definitely trust what you're doing and, you know, your strategy, and you sound like you're all over it. So, yeah, you know, I'm not stressed at all about any of that stuff. I'm just I'm just interested. That's all, you know, it's quite interesting to try and stay on top of a little bit of what's happening in the world.\n\nYou know? Right. Yeah. No worries. Cheers.\n\nYeah. So anyway so, yeah, that'd be good. It'd be interesting for me to look at that, definitely. I'd be interested in having a look at that. And then go again and just, you know, just have a overall historical look.\n\nYou know? Yeah. I don't wanna make more work for you though. You know? Like but yeah.\n\nOkay. Alright. Great. Okay. Yep.\n\nOkay. Right. Yes. Yes. No worries.\n\nWell, I've done my morning exercise, and now I'm off to the shower. You know? This is my my strategy of staying younger for longer. It's nice. It's multifaceted, but I intend to live for quite a while.\n\nYeah. So but I'm doing the work that it takes to do that. So that's where I'm at. I know you didn't need to hear that, but anyway oh god. Yep.\n\nOkay. Yep. Okay. No worries. Alright.\n\nGreat. Thanks a lot, Marissa. Okay. Excellent. Thank you very much.\n\nOkay. You too. Cheers.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.05496778339147568},{"text":"I'm kinda right.","start":6.8799996,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.322579562664032},{"text":"How are you going?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.286410890519619},{"text":"Uh-huh.","start":11.36,"end":11.86,"sentiment":"neutral","sentiment_score":0.03477973863482475},{"text":"Good 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lose lose.","start":828.3,"end":829.36,"sentiment":"neutral","sentiment_score":-0.24085086087385812}],"sentiment":"neutral","sentiment_score":-0.13368263494755542,"num_words":7,"start":817.135,"end":829.36},{"sentences":[{"text":"Yeah.","start":829.66,"end":830.16,"sentiment":"neutral","sentiment_score":0.05848459526896477},{"text":"Right.","start":844.28503,"end":844.78503,"sentiment":"neutral","sentiment_score":0.04050944000482559},{"text":"Yeah.","start":856.71,"end":857.03,"sentiment":"neutral","sentiment_score":0.05838999152183533},{"text":"Yeah.","start":857.03,"end":857.27,"sentiment":"neutral","sentiment_score":0.09764393419027328},{"text":"Absolutely.","start":857.27,"end":857.75,"sentiment":"neutral","sentiment_score":0.1863334029912949}],"sentiment":"neutral","sentiment_score":0.08827227279543877,"num_words":5,"start":829.66,"end":857.75},{"sentences":[{"text":"I mean, honestly, I spent two weeks watching him do it and, like, yeah.","start":857.75,"end":860.97003,"sentiment":"neutral","sentiment_score":0.11828016276870455},{"text":"Yeah.","start":861.11005,"end":861.51,"sentiment":"neutral","sentiment_score":0.06907011568546295},{"text":"It's paid trading.","start":861.51,"end":862.31,"sentiment":"neutral","sentiment_score":0.042551733553409576},{"text":"I was like, yeah.","start":862.31,"end":864.07,"sentiment":"neutral","sentiment_score":0.027851388789713383},{"text":"He's on it.","start":864.07,"end":864.63,"sentiment":"neutral","sentiment_score":0.034420655419429146}],"sentiment":"neutral","sentiment_score":0.08269260466098785,"num_words":25,"start":857.75,"end":864.63},{"sentences":[{"text":"He's on it.","start":864.63,"end":865.11005,"sentiment":"neutral","sentiment_score":0.013242566958069801},{"text":"I was like, no.","start":865.11005,"end":865.51,"sentiment":"neutral","sentiment_score":-0.06676678825169802},{"text":"I didn't watch him.","start":865.51,"end":866.195,"sentiment":"neutral","sentiment_score":-0.12038852646946907},{"text":"I couldn't do it.","start":866.195,"end":866.995,"sentiment":"neutral","sentiment_score":-0.15414415299892426},{"text":"And he's like, I think he lost money.","start":866.995,"end":868.27496,"sentiment":"neutral","sentiment_score":-0.10075137903913856}],"sentiment":"neutral","sentiment_score":-0.0926730957530115,"num_words":23,"start":864.63,"end":868.27496},{"sentences":[{"text":"But he said overall, he made money, but I watched him lose money.","start":868.27496,"end":872.115,"sentiment":"neutral","sentiment_score":-0.07000286132097244},{"text":"You know, just watch $11.","start":872.115,"end":874.055,"sentiment":"neutral","sentiment_score":-0.059131572023034096},{"text":"There you go.","start":874.435,"end":875.975,"sentiment":"neutral","sentiment_score":-0.05211338400840759},{"text":"Fuck.","start":876.195,"end":876.355,"sentiment":"negative","sentiment_score":-0.5602779388427734},{"text":"Yeah.","start":876.355,"end":876.855,"sentiment":"neutral","sentiment_score":-0.27511972188949585}],"sentiment":"neutral","sentiment_score":-0.09554055956718714,"num_words":23,"start":868.27496,"end":876.855},{"sentences":[{"text":"Yeah.","start":878.195,"end":878.355,"sentiment":"neutral","sentiment_score":-0.051297083497047424},{"text":"That's right.","start":878.355,"end":879.175,"sentiment":"neutral","sentiment_score":-0.03487996384501457},{"text":"I'll I'll make a pack.","start":879.71497,"end":881.015,"sentiment":"neutral","sentiment_score":-0.022340599447488785},{"text":"Yeah.","start":881.235,"end":881.315,"sentiment":"neutral","sentiment_score":0.05003756284713745},{"text":"I made money before.","start":881.315,"end":882.43,"sentiment":"neutral","sentiment_score":0.05995407607406378}],"sentiment":"neutral","sentiment_score":0.0043918352860670825,"num_words":13,"start":878.195,"end":882.43},{"sentences":[{"text":"I'm ahead.","start":882.43,"end":883.07,"sentiment":"neutral","sentiment_score":0.07882710173726082},{"text":"You know?","start":883.07,"end":883.73,"sentiment":"neutral","sentiment_score":0.004266822710633278},{"text":"He wasn't prepared for the day.","start":884.19,"end":885.97,"sentiment":"neutral","sentiment_score":-0.21988857661684355},{"text":"He wasn't happy that day.","start":886.83,"end":888.11,"sentiment":"neutral","sentiment_score":-0.3138321042060852},{"text":"But, like, yeah.","start":888.11,"end":888.58997,"sentiment":"neutral","sentiment_score":-0.04757411281267802}],"sentiment":"neutral","sentiment_score":-0.15916813723742962,"num_words":18,"start":882.43,"end":888.58997},{"sentences":[{"text":"Yeah.","start":888.58997,"end":888.75,"sentiment":"neutral","sentiment_score":0.06690382212400436},{"text":"He recovered.","start":888.75,"end":889.47,"sentiment":"neutral","sentiment_score":0.08077628910541534},{"text":"Yeah.","start":889.47,"end":889.70996,"sentiment":"neutral","sentiment_score":0.20845927298069},{"text":"That's alright.","start":889.70996,"end":890.11,"sentiment":"positive","sentiment_score":0.3383193910121918},{"text":"In the end, you know, if you're patient, you'll you'll, you know, you'll come out on top.","start":890.11,"end":894.375,"sentiment":"positive","sentiment_score":0.4115655194310581}],"sentiment":"positive","sentiment_score":0.3526160124203433,"num_words":23,"start":888.58997,"end":894.375},{"sentences":[{"text":"Like you say, you just don't panic.","start":894.375,"end":896.055,"sentiment":"neutral","sentiment_score":0.1931332434926714},{"text":"You know?","start":896.055,"end":896.615,"sentiment":"neutral","sentiment_score":0.09831389039754868},{"text":"I guess that's the thing.","start":896.615,"end":898.155,"sentiment":"neutral","sentiment_score":0.14958274513483047},{"text":"Yeah.","start":898.29504,"end":898.79504,"sentiment":"neutral","sentiment_score":0.17204993963241577},{"text":"But, yeah, no.","start":899.255,"end":899.815,"sentiment":"neutral","sentiment_score":0.054777647058169045}],"sentiment":"neutral","sentiment_score":0.14626983842915958,"num_words":18,"start":894.375,"end":899.815},{"sentences":[{"text":"No.","start":899.815,"end":899.895,"sentiment":"neutral","sentiment_score":-0.044741109013557434},{"text":"I definitely trust what you're doing and, you know, your strategy, and you sound like you're all over it.","start":899.895,"end":904.53503,"sentiment":"neutral","sentiment_score":0.27200272953823995},{"text":"So, yeah, you know, I'm not stressed at all about any of that stuff.","start":904.53503,"end":908.43005,"sentiment":"neutral","sentiment_score":0.02206895686686039},{"text":"I'm just I'm just interested.","start":908.49005,"end":909.69,"sentiment":"neutral","sentiment_score":0.13191921263933182},{"text":"That's all, you know, it's quite interesting to try and stay on top of a little bit of what's happening in the world.","start":909.69,"end":913.85004,"sentiment":"neutral","sentiment_score":0.09587873526565406}],"sentiment":"neutral","sentiment_score":0.13382392133315724,"num_words":62,"start":899.815,"end":913.85004},{"sentences":[{"text":"You know?","start":913.85004,"end":914.51,"sentiment":"neutral","sentiment_score":0.05943571589887142},{"text":"Right.","start":914.97003,"end":915.47003,"sentiment":"neutral","sentiment_score":0.12450405955314636},{"text":"Yeah.","start":918.57,"end":918.97003,"sentiment":"neutral","sentiment_score":0.20642071962356567},{"text":"No worries.","start":918.97003,"end":919.71,"sentiment":"neutral","sentiment_score":0.25502463430166245},{"text":"Cheers.","start":919.77,"end":920.27,"sentiment":"positive","sentiment_score":0.400874376296997}],"sentiment":"neutral","sentiment_score":0.19438855083925383,"num_words":7,"start":913.85004,"end":920.27},{"sentences":[{"text":"Yeah.","start":921.39496,"end":921.71497,"sentiment":"neutral","sentiment_score":0.28750765323638916},{"text":"So anyway so, yeah, that'd be good.","start":921.71497,"end":923.315,"sentiment":"positive","sentiment_score":0.4423976412841252},{"text":"It'd be interesting for me to look at that, definitely.","start":923.315,"end":925.415,"sentiment":"neutral","sentiment_score":0.3248434096574783},{"text":"I'd be interested in having a look at that.","start":925.475,"end":927.475,"sentiment":"neutral","sentiment_score":0.24458028541670906},{"text":"And then go again and just, you know, just have a overall historical look.","start":927.475,"end":931.95496,"sentiment":"neutral","sentiment_score":0.061456453055143356}],"sentiment":"neutral","sentiment_score":0.23644727195908383,"num_words":41,"start":921.39496,"end":931.95496},{"sentences":[{"text":"You know?","start":931.95496,"end":932.615,"sentiment":"neutral","sentiment_score":0.0471744854003191},{"text":"Yeah.","start":942.45996,"end":942.86,"sentiment":"neutral","sentiment_score":-0.08828335255384445},{"text":"I don't wanna make more work for you though.","start":942.86,"end":944.62,"sentiment":"neutral","sentiment_score":-0.19714772287342283},{"text":"You know?","start":944.62,"end":945.01996,"sentiment":"neutral","sentiment_score":-0.030301211401820183},{"text":"Like but yeah.","start":945.01996,"end":946.08,"sentiment":"neutral","sentiment_score":-0.053696845968564354}],"sentiment":"neutral","sentiment_score":-0.1170562851954909,"num_words":17,"start":931.95496,"end":946.08},{"sentences":[{"text":"Okay.","start":948.7,"end":949.18,"sentiment":"neutral","sentiment_score":0.08614671230316162},{"text":"Alright.","start":949.18,"end":949.58,"sentiment":"neutral","sentiment_score":0.16459012031555176},{"text":"Great.","start":949.58,"end":950.06,"sentiment":"positive","sentiment_score":0.3939090371131897},{"text":"Okay.","start":950.06,"end":950.56,"sentiment":"neutral","sentiment_score":0.1414453089237213},{"text":"Yep.","start":952.395,"end":952.895,"sentiment":"neutral","sentiment_score":0.12355606257915495}],"sentiment":"neutral","sentiment_score":0.18192944824695587,"num_words":5,"start":948.7,"end":952.895},{"sentences":[{"text":"Okay.","start":954.555,"end":955.03503,"sentiment":"neutral","sentiment_score":0.08330519497394562},{"text":"Right.","start":955.03503,"end":955.435,"sentiment":"neutral","sentiment_score":0.0919351652264595},{"text":"Yes.","start":955.435,"end":955.915,"sentiment":"neutral","sentiment_score":0.10010945796966551},{"text":"Yes.","start":955.915,"end":956.415,"sentiment":"neutral","sentiment_score":0.10142362862825394},{"text":"No worries.","start":956.715,"end":957.275,"sentiment":"neutral","sentiment_score":0.12872685492038727}],"sentiment":"neutral","sentiment_score":0.10570452610651652,"num_words":6,"start":954.555,"end":957.275},{"sentences":[{"text":"Well, I've done my morning exercise, and now I'm off to the shower.","start":957.275,"end":959.835,"sentiment":"neutral","sentiment_score":0.19265368351569542},{"text":"You know?","start":959.835,"end":960.155,"sentiment":"neutral","sentiment_score":0.11019627749919891},{"text":"This is my my strategy of staying younger for longer.","start":960.155,"end":962.955,"sentiment":"neutral","sentiment_score":0.22235948741436004},{"text":"It's nice.","start":962.955,"end":963.45,"sentiment":"positive","sentiment_score":0.4705965667963028},{"text":"It's multifaceted, but I intend to live for quite a while.","start":963.45,"end":966.41003,"sentiment":"neutral","sentiment_score":0.17742135714400897}],"sentiment":"neutral","sentiment_score":0.2063503520269143,"num_words":38,"start":957.275,"end":966.41003},{"sentences":[{"text":"Yeah.","start":966.41003,"end":966.91003,"sentiment":"neutral","sentiment_score":0.10745777189731598},{"text":"So but I'm doing the work that it takes to do that.","start":967.61005,"end":970.49005,"sentiment":"neutral","sentiment_score":0.12553299590945244},{"text":"So that's where I'm at.","start":970.49005,"end":972.03,"sentiment":"neutral","sentiment_score":0.11508734971284866},{"text":"I know you didn't need to hear that, but anyway oh god.","start":972.65,"end":978.11005,"sentiment":"neutral","sentiment_score":0.10045233151564996},{"text":"Yep.","start":978.17004,"end":978.67004,"sentiment":"positive","sentiment_score":0.3656121492385864}],"sentiment":"neutral","sentiment_score":0.12130098705810885,"num_words":31,"start":966.41003,"end":978.67004},{"sentences":[{"text":"Okay.","start":979.885,"end":980.385,"sentiment":"neutral","sentiment_score":0.04766733944416046},{"text":"Yep.","start":982.84503,"end":983.34503,"sentiment":"neutral","sentiment_score":0.06259465217590332},{"text":"Okay.","start":984.765,"end":985.265,"sentiment":"neutral","sentiment_score":0.053713615983724594},{"text":"No worries.","start":985.885,"end":986.445,"sentiment":"neutral","sentiment_score":0.2132948338985443},{"text":"Alright.","start":986.445,"end":986.765,"sentiment":"positive","sentiment_score":0.377892553806305}],"sentiment":"neutral","sentiment_score":0.161409638201197,"num_words":6,"start":979.885,"end":986.765},{"sentences":[{"text":"Great.","start":986.765,"end":987.005,"sentiment":"positive","sentiment_score":0.8081986904144287},{"text":"Thanks a lot, Marissa.","start":987.005,"end":988.065,"sentiment":"positive","sentiment_score":0.8217776715755463},{"text":"Okay.","start":992.7509,"end":993.15094,"sentiment":"positive","sentiment_score":0.4255118370056152},{"text":"Excellent.","start":993.15094,"end":993.55096,"sentiment":"positive","sentiment_score":0.7874658107757568},{"text":"Thank you very much.","start":993.55096,"end":994.61096,"sentiment":"positive","sentiment_score":0.8566019088029861}],"sentiment":"positive","sentiment_score":0.794063150882721,"num_words":11,"start":986.765,"end":994.61096},{"sentences":[{"text":"Okay.","start":995.8709,"end":996.35095,"sentiment":"positive","sentiment_score":0.38329917192459106},{"text":"You too.","start":996.35095,"end":996.83093,"sentiment":"positive","sentiment_score":0.4173976331949234},{"text":"Cheers.","start":996.83093,"end":997.33093,"sentiment":"positive","sentiment_score":0.5600520968437195}],"sentiment":"positive","sentiment_score":0.44453663378953934,"num_words":4,"start":995.8709,"end":997.33093}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good morning, Simon. Let's Rissa from Oaktree Financial. How are you going?\n\nChannel 1: I'm kinda right. How are you going?\n\nChannel 0: Not too bad. Not too\n\nChannel 1: Uh-huh.\n\nChannel 0: bad at all.\n\nChannel 1: Good day. Great.\n\nChannel 0: I just wanted to give you a call to run through everything.\n\nChannel 1: Uh-huh.\n\nChannel 0: Did I got your text message. Did you have a couple minutes? Yes. Of\n\nChannel 1: Yeah.\n\nChannel 0: course.\n\nChannel 1: Yeah. Totally. Yeah. I was just about to get in the shower, so that's a good timing.\n\nChannel 0: Oh, perfect.\n\nChannel 1: Yes. Just before I went in, I was just grabbing this phone, and I better grab the phone in case she calls back and then oh, the timing. Yes.\n\nChannel 0: She was just timing.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Well, before I jump into it, I do need to let you know our call is recorded. And if I could get you confirmed security, I have a password on file, the 4 digits.\n\nChannel 1: Yeah. 5566.\n\nChannel 0: Amazing. So the reason I wanted to call was just to kind of run through the advice document following our conversation last week. So\n\nChannel 1: Yeah.\n\nChannel 0: what we did was we executed time sensitive advice where I set up the pension account ahead\n\nChannel 1: Yep.\n\nChannel 0: of a normal process, which would be to draw up advice, get that issued, then execute the the implementation.\n\nChannel 1: Okay.\n\nChannel 0: I so the pension account is active and live. I'm sure you've been getting emails from Hub the whole time\n\nChannel 1: Yeah.\n\nChannel 0: with\n\nChannel 1: I've got an email.\n\nChannel 0: movements.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: Yep.\n\nChannel 0: So\n\nChannel 1: I was looking\n\nChannel 0: as\n\nChannel 1: at\n\nChannel 0: sent\n\nChannel 1: it going, couldn't quite work it out, but and then I finally clicked what was\n\nChannel 0: no.\n\nChannel 1: going on. Yeah.\n\nChannel 0: You're okay. So, essentially, what's happening is the money has moved over from accumulation to pension. So now your money is sitting in pension phase, which means that all funds can like, funds can be withdrawn. I\n\nChannel 1: Right.\n\nChannel 0: executed a sell down of assets in\n\nChannel 1: Yep.\n\nChannel 0: pension phase,\n\nChannel 1: Yep.\n\nChannel 0: and I specifically sold down assets that I wanted to get rid of out of your portfolio. So I've done a portfolio recommendation for you as well where I'm essentially going to remove those assets from your portfolio. I did execute a sale of the assets that I could sell quickly\n\nChannel 1: Okay.\n\nChannel 0: rather than rather than assets that take a little bit longer. So I I sold what's called ETFs, exchange trade funds, because they basically will sell overnight, whereas a managed fund, just because it's a little bit more intricate and a managed fund generally has ETFs built into it, it takes kind of a couple of weeks to sell. I obviously\n\nChannel 1: Okay.\n\nChannel 0: didn't wanna try and sell that and have it take too long.\n\nChannel 1: Yep.\n\nChannel 0: So you have the money sitting in cash already, and your pension payment is actually scheduled to go out\n\nChannel 1: Okay. Great. Fantastic.\n\nChannel 0: today. Yeah.\n\nChannel 1: Code.\n\nChannel 0: I did I did log on this morning at 07:30 and noticed that there was a little bit of a hiccup, and it looks like the pension payment's coming out about 3,190. So when Hub set it up, they set it up as the minimum and not the specific requested amount. I've\n\nChannel 1: Okay.\n\nChannel 0: already been on the phone to Hub this morning to say, hey. You need to correct it. I'm gonna follow-up with them at 12:00, but there is this possibility that today,\n\nChannel 1: Yep.\n\nChannel 0: a partial $31.90 goes out,\n\nChannel 1: Right.\n\nChannel 0: and then tomorrow, the remainder of the $20 will get paid.\n\nChannel 1: Okay.\n\nChannel 0: I'm hoping\n\nChannel 1: Yep.\n\nChannel 0: I can get it corrected today and just have one payment so I don't have to deal with it over two days,\n\nChannel 1: Right. Okay.\n\nChannel 0: But there is a possibility that it might be two different payments just\n\nChannel 1: Okay.\n\nChannel 0: so you're aware.\n\nChannel 1: No worries. Yep.\n\nChannel 0: It's just it's moved\n\nChannel 1: Yep.\n\nChannel 0: so quickly, and it just happened over the weekend, so I couldn't kinda stop it.\n\nChannel 1: Uh-huh. It's okay. Thanks for getting in there anyway.\n\nChannel 0: That's okay. So everything's moving on that side. We'll get the remainder of the pension. So it'll be a full 20 within the next couple of days anyway. Payments schedule payments go out at about 03:00.\n\nSo what Hub Hub does is at 03:00, they push all payments out. So you should\n\nChannel 1: Yep.\n\nChannel 0: have it basically in your bank account tonight or you'll wake up tomorrow morning with the money in your account. So they don't\n\nChannel 1: Great.\n\nChannel 0: do\n\nChannel 1: Excellent.\n\nChannel 0: morning payments. They do afternoon payments.\n\nChannel 1: You're great. Thank you. Yeah. Great.\n\nChannel 0: Now part of my advice that I've detailed, and I'm I'm send I'll send you the advice document through for you to basically read and authorize. But, essentially, what what I've recommended is, yes, the setup of the pension account and then a change of your underlying investments as well. So I've just gotten rid of some of the assets that aren't performing too well, cost a little bit more to operate, and just gives your fund a little bit more chance to be able to maneuver and do everything.\n\nChannel 1: Yep.\n\nChannel 0: The effective way is that because we moved into pension phase before we sold anything, there's no capital gains effects on the account,\n\nChannel 1: Yep.\n\nChannel 0: which is really good. So we're saving tax by executing things in that order. And then outside of that, there are a couple of others there there's sort of one more thing that I want to do. We didn't previously discuss it, but\n\nChannel 1: Yep. Yep.\n\nChannel 0: when I was kinda going through and looking at your account, I noticed that all of your money is currently sitting in what's called a taxable element. So what that means is that prior to 60, if you tried to withdraw any money, you would have been taxed. Now, obviously, not really an issue because they're over that 60 age bracket. So for you personally, it doesn't really change anything. However,\n\nChannel 1: Yeah.\n\nChannel 0: you have your children nominated as beneficiaries on your account.\n\nChannel 1: Yeah.\n\nChannel 0: Now what that means is that if you were to pass away and your because your children are going to receive the benefit directly, they would pay up to 17% tax on the taxable component.\n\nChannel 1: Right.\n\nChannel 0: Now what I wanna do is I want to obviously, after all your pension payments paid out is do a what's called a cash out recontribution strategy. So it's actually an an estate planning strategy that will basically take all of the money that you have sitting in your account. It will in species transfer it over into what's called a investment account, and then it'll in species transfer back into a pension account. And what that does is it just it sounds convoluted, but all it's doing is it's basically grabbing the money that's sitting in a taxable component and it's converting it into a tax free component.\n\nChannel 1: Okay.\n\nChannel 0: So it means that if you were to pass away, then the kids receive that money tax free because it's already\n\nChannel 1: Yeah.\n\nChannel 0: paid its highest marginal tax rate, which is great because you pay no tax because of your age. So\n\nChannel 1: Right.\n\nChannel 0: it's\n\nChannel 1: Right.\n\nChannel 0: kind of a a way to navigate that tax system, put the money into a tax free environment and a state plan for the kids in the event that anything happens. Obviously, not putting on anything happening when, you know, I wanna keep you alive for as long as possible,\n\nChannel 1: Sure. Yeah. Thanks.\n\nChannel 0: but it's just future planning and kind of,\n\nChannel 1: Yep.\n\nChannel 0: I guess, evolving the strategy that I was already putting in place just with sort of what you have available\n\nChannel 1: Yeah.\n\nChannel 0: and where we're currently sit sitting for you, I guess, position wise. Once the money goes in, you will start to accumulate a tax taxable component again\n\nChannel 1: Yeah. Alright.\n\nChannel 0: because any any gross on your account goes into a taxable component. So it's not gonna be a 100% tax free forever, but at least the remainder of the money sitting in the account will be tax free. It means that we have more tax free component. There's less tax paid if anything does happen to you, and it's just putting you in a much better position right now\n\nChannel 1: Yeah.\n\nChannel 0: in the event that anything happened. Does that make sense?\n\nChannel 1: Sure. Yep.\n\nChannel 0: Yeah. That's cool.\n\nChannel 1: Sure. Yeah. Yeah. I mean, from what it's a is is the market volatile at the moment? I mean, I've got I was just had I just went with the mate for a couple of weeks a little while back, and he's doing the spot back and stuff.\n\nAnd he's just, you know, he's right on to the market, and he's just saying, yeah. It's pretty volatile. I think because of, you know I mean, he's putting his money into stuff like oil and stuff, but, like, you know, it's just yeah. It's it's quite a bit of a code and data sort of stuff that goes on there.\n\nChannel 0: There there can be. So the the market is always volatile, but that's why I wanna do some of the changes to your your assets so I can so I can, I guess, swap out any of the underlying assets that aren't performing and get you assets that are going to be able to sort of withstand some of that more volatility? That's not to\n\nChannel 1: Yeah.\n\nChannel 0: say that that the market's not gonna, you know, possibly have a little bit of a correction or, you know, or or or go down. The good thing is is, like, right now, we're you're withdrawing a lump sum. That's the only lump sum that we're really intending on in drawing.\n\nChannel 1: Yes.\n\nChannel 0: You know, right now, we're not intending on crystallizing any more gains or losses over the next while.\n\nChannel 1: No.\n\nChannel 0: So we're we're kosher on that side. Realistically,\n\nChannel 1: Yeah.\n\nChannel 0: it's the only effect that would really happen is if you potentially ended up drawing more money out later while the market went through a crash. If that\n\nChannel 1: Right.\n\nChannel 0: happened, then, yes,\n\nChannel 1: Yeah.\n\nChannel 0: there could be there could be an issue\n\nChannel 1: Right.\n\nChannel 0: with it.\n\nChannel 1: It has I mean, I mean, I I sort of read a bit, but it's like it's it's fairly edgy at the moment. Right? I mean, you know, on the on the world sort of economy at the minute. You know? Which all sort of I don't know.\n\nSomething I was reading this morning was yeah. It's it's it's a fairly what would you say? Times are a little bit uncertain. Would you say?\n\nChannel 0: So volatility in the market is is, I guess, always it's not that it's it's it's calculable like it is. Like, you can obviously gain the market. You can definitely, you know, watch it, but it's very much crystal ball. Like, what date, when does it happen, when, you know, when are things gonna occur? I have you in a it it it's so risk profile wise,\n\nChannel 1: Mhmm.\n\nChannel 0: I have you in sort of, like, a a level three out of, like, five.\n\nChannel 1: Right.\n\nChannel 0: You can obviously go a lot more conservative than the five, but if we're getting, you know, sort of on that top scale of aggressiveness, I have you sitting\n\nChannel 1: Yep.\n\nChannel 0: at what's called an eighty twenty split. So\n\nChannel 1: Right.\n\nChannel 0: at Oakview, we have, like, an aggressive portfolio that is, like, a 100% on the market. We have a high growth that is 90% on the market. We have a a growth, which is where you're sitting,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: which is 80% on the market, and then there's seventy, sixty. And then\n\nChannel 1: Yep.\n\nChannel 0: you start going into the more defensive, like, defensive standing positions where you go as, like, 60 fifty fifty and, like, 40% of the market and lower and lower. But\n\nChannel 1: Yeah.\n\nChannel 0: in your sort of aggressive bracket or your your high high growth growth earning bracket, you're sitting sort of in that mid range. And what that means is, like, a, your assets are diversified, So they are structured throughout multiple different sectors, and we're not just in oil. We're not just in Gong. We're not just in one sector. We\n\nChannel 1: Sure.\n\nChannel 0: are across the market, you know, making sure we have health. We're making sure we have education, making sure we have financial institutions, all of that.\n\nChannel 1: Yeah.\n\nChannel 0: So, yes, don't get me wrong. If Trump was to do what Trump can do and and, you know, make a really, really knee jerk statement,\n\nChannel 1: Yeah.\n\nChannel 0: it does affect the market. The\n\nChannel 1: Yeah.\n\nChannel 0: US market affects the Australian market, generally, a couple days in you know, behind. Same as\n\nChannel 1: So\n\nChannel 0: oh,\n\nChannel 1: it's like\n\nChannel 0: I can't\n\nChannel 1: the the borrowing\n\nChannel 0: think of his name.\n\nChannel 1: and the US dollar and that kind\n\nChannel 0: Yep.\n\nChannel 1: of stuff that I've been reading about. So I don't know how it just feels. Yeah. Yeah. Who knows what's gonna happen really with with Trump, especially, like, in his volatility.\n\nAnd\n\nChannel 0: Yeah.\n\nChannel 1: yeah. And how that sort\n\nChannel 0: The\n\nChannel 1: of\n\nChannel 0: one\n\nChannel 1: reflects\n\nChannel 0: thing\n\nChannel 1: back on the Australian market as well or the world market. You know?\n\nChannel 0: it def it definitely can. What I'll what I'll do is, like, I'll I'm I'm sending the document to you now. I'm just I I literally was I I finished it off, and I was like, I just I wanna get on the phone and just get it get it sent to you and and not delay. So I haven't sent it to you yet, but\n\nChannel 1: Yep.\n\nChannel 0: I I what I wanted what what I will do is I will include what's called a the Vanguard index chart, which\n\nChannel 1: Right.\n\nChannel 0: so this will show you historically how the markets have acted and it has points in in the historic like, in history that, you know, Great Depression. It shows the the 2001\n\nChannel 1: On\n\nChannel 0: tech bubble.\n\nChannel 1: an actual\n\nChannel 0: It\n\nChannel 1: pricing.\n\nChannel 0: shows yep. F the the c f the the\n\nChannel 1: Yeah. GFC.\n\nChannel 0: Yep. GFC.\n\nChannel 1: Yeah.\n\nChannel 0: Too many acronyms.\n\nChannel 1: Yeah. There's definitely too many acronyms. Yep.\n\nChannel 0: Yeah. It shows the global financial crisis as well. So and, like, you know, it shows some of the wars, all that. And it shows what the effects it had on different asset classes\n\nChannel 1: Uh-huh.\n\nChannel 0: and and how if, you know, you've been invested across the in the market that whole time and hadn't, you know, sold out, how your money sort of would grow over that time. So history shows\n\nChannel 1: Yes.\n\nChannel 0: us while, yes, money does drop. And\n\nChannel 1: Yes.\n\nChannel 0: even so, there's been case studies on the GFC where, you know, a lot of people had historically turned around and said, well, my my, you know, I my my uncle, my aunt, my grandfather lost money during the GFC, you know, and they had to go back to to working. Absolutely. That happened, and that was because people\n\nChannel 1: Right.\n\nChannel 0: made knee jerk reactions during the GFC, and they sold their assets because\n\nChannel 1: Yep. Right.\n\nChannel 0: they freaked out and they went, nope. Liquidate everything. I have to protect. I have to protect. Whereas if they'd held and granted the GFC was, it did take a long time to bounce back.\n\nBut if they'd held for that eighteen months, they would have been fine. They would have had their money back. But a lot of people sold out. They sold during\n\nChannel 1: Yep.\n\nChannel 0: the low. They crystallized\n\nChannel 1: Yep.\n\nChannel 0: what they'd already lost. And then when they bought back in, by the time you bought back in and realized the market's going up, you've already\n\nChannel 1: Yeah.\n\nChannel 0: bought in at a higher price.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So that's\n\nChannel 1: So\n\nChannel 0: where\n\nChannel 1: lose\n\nChannel 0: a lot\n\nChannel 1: lose.\n\nChannel 0: is\n\nChannel 1: Yeah.\n\nChannel 0: correct. Yeah. So and don't be wrong. I have had times where I have sold out just before just before the bubble burst and sold out at the high and bought in just as the market's starting to turn back up, and I've made money for clients. But\n\nChannel 1: Right.\n\nChannel 0: when you're dealing with a diversified portfolio like this, when you're dealing with long term assets, it's not something you wanna be doing on the daily. You wanna day trade? You day trade with a little bit of money. You don't wanna day trade with something to this extent.\n\nChannel 1: Yeah. Yeah. Absolutely. I mean, honestly, I spent two weeks watching him do it and, like, yeah. Yeah.\n\nIt's paid\n\nChannel 0: You\n\nChannel 1: trading.\n\nChannel 0: you have\n\nChannel 1: I\n\nChannel 0: to\n\nChannel 1: was\n\nChannel 0: be\n\nChannel 1: like,\n\nChannel 0: on it. Yep.\n\nChannel 1: yeah. He's on it. He's on it. I was like, no. I didn't watch him.\n\nI couldn't do it. And he's like, I think he lost money. But he said overall, he made money, but I\n\nChannel 0: Yep.\n\nChannel 1: watched him lose money. You know, just watch $11. There you\n\nChannel 0: Yep.\n\nChannel 1: go.\n\nChannel 0: Yeah. And he\n\nChannel 1: Fuck.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: sits there and goes, oh, it's alright. Because\n\nChannel 1: Yeah.\n\nChannel 0: he\n\nChannel 1: That's\n\nChannel 0: knows\n\nChannel 1: right.\n\nChannel 0: that he's\n\nChannel 1: I'll\n\nChannel 0: making money on the\n\nChannel 1: I'll\n\nChannel 0: other side.\n\nChannel 1: make a pack. Yeah. I\n\nChannel 0: Yeah.\n\nChannel 1: made money before. I'm ahead. You know? He wasn't prepared for the day. He wasn't happy that day.\n\nBut, like, yeah. Yeah. He recovered. Yeah. That's alright.\n\nIn the end, you know, if you're patient, you'll you'll, you know, you'll come out on top. Like you say, you just don't panic. You know? I guess\n\nChannel 0: Yeah.\n\nChannel 1: that's the thing. Yeah. But, yeah, no. No. I definitely trust what you're doing and, you know, your strategy, and you sound like you're all over it.\n\nSo, yeah, you know, I'm not stressed at all about any of that stuff. I'm just I'm just interested. That's all, you know, it's quite interesting\n\nChannel 0: No.\n\nChannel 1: to try\n\nChannel 0: Absolutely.\n\nChannel 1: and stay on top of a little bit of what's happening in the world. You know?\n\nChannel 0: I think\n\nChannel 1: Right.\n\nChannel 0: half my job is education, so you're so fine. Absolutely.\n\nChannel 1: Yeah. No worries. Cheers. Yeah. So anyway so, yeah, that'd be good.\n\nIt'd be interesting for me to look at that, definitely. I'd be interested in having a look at that. And then go again and just, you know, just have\n\nChannel 0: Yes.\n\nChannel 1: a\n\nChannel 0: I will\n\nChannel 1: overall historical look. You know?\n\nChannel 0: yes. I will send you the I'll send you the Vanguard chat when I when I send the documents. I'm literally I'll zip them all up, and I'll I'll send them to you so that way you're able to see\n\nChannel 1: Yeah. I don't wanna make more\n\nChannel 0: them.\n\nChannel 1: work\n\nChannel 0: Sign\n\nChannel 1: for\n\nChannel 0: them.\n\nChannel 1: you though. You know? Like but\n\nChannel 0: No.\n\nChannel 1: yeah.\n\nChannel 0: No. Take me two seconds to to pull that. That's that's\n\nChannel 1: Okay.\n\nChannel 0: easy.\n\nChannel 1: Alright.\n\nChannel 0: I\n\nChannel 1: Great.\n\nChannel 0: have to send you the\n\nChannel 1: Okay.\n\nChannel 0: documents anyway. So you'll have them in a little bit, hopefully, by\n\nChannel 1: Yep.\n\nChannel 0: the time you jump out of the shower.\n\nChannel 1: Okay. Right. Yes. Yes. No worries.\n\nWell, I've done my morning exercise, and now I'm off to the shower. You know? This is my my strategy of staying younger for longer. It's nice. It's multifaceted, but I intend to live for quite a while.\n\nYeah. So but I'm doing the work that it takes to do that. So that's where I'm at. I know you\n\nChannel 0: Perfect.\n\nChannel 1: didn't need to hear that, but anyway\n\nChannel 0: No. Not at all. You're so fine. Well,\n\nChannel 1: oh\n\nChannel 0: I\n\nChannel 1: god.\n\nChannel 0: will let you go\n\nChannel 1: Yep.\n\nChannel 0: and enjoy your shower. And\n\nChannel 1: Okay.\n\nChannel 0: if you have any questions when you get receive the documents,\n\nChannel 1: Yep.\n\nChannel 0: just give me a call or shoot me an email\n\nChannel 1: Okay.\n\nChannel 0: through. No stress.\n\nChannel 1: No worries. Alright. Great. Thanks a lot, Marissa.\n\nChannel 0: No stress. I'll keep an eye on the pension payment, flick you in email once I have an update this afternoon as well.\n\nChannel 1: Okay. Excellent. Thank you very much.\n\nChannel 0: That's okay. Have a good one.\n\nChannel 1: Okay. You too. Cheers.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.1999999,"end":1.6999999,"sentiment":"neutral","sentiment_score":0.05496778339147568}],"sentiment":"neutral","sentiment_score":0.05496778339147568,"channel":1,"num_words":1,"start":1.1999999,"end":1.6999999},{"sentences":[{"text":"Good morning, Simon.","start":2.56,"end":3.76,"sentiment":"positive","sentiment_score":0.43531819184621173},{"text":"Let's Rissa from Oaktree Financial.","start":3.76,"end":5.7599998,"sentiment":"positive","sentiment_score":0.37063846588134763},{"text":"How are you going?","start":5.7599998,"end":6.58,"sentiment":"positive","sentiment_score":0.34840262681245804}],"sentiment":"positive","sentiment_score":0.3793964510162671,"channel":0,"num_words":12,"start":2.56,"end":6.58},{"sentences":[{"text":"I'm kinda right.","start":6.8799996,"end":7.8399997,"sentiment":"neutral","sentiment_score":0.322579562664032},{"text":"How are you going?","start":7.8399997,"end":8.66,"sentiment":"neutral","sentiment_score":0.286410890519619}],"sentiment":"neutral","sentiment_score":0.3019117500100817,"channel":1,"num_words":7,"start":6.8799996,"end":8.66},{"sentences":[{"text":"Not too bad.","start":9.76,"end":10.9,"sentiment":"neutral","sentiment_score":0.17612998187541962},{"text":"Not too","start":11.04,"end":11.44,"sentiment":"neutral","sentiment_score":0.055589813739061356}],"sentiment":"neutral","sentiment_score":0.1279139146208763,"channel":0,"num_words":5,"start":9.76,"end":11.44},{"sentences":[{"text":"Uh-huh.","start":11.36,"end":11.86,"sentiment":"neutral","sentiment_score":0.03477973863482475}],"sentiment":"neutral","sentiment_score":0.03477973863482475,"channel":1,"num_words":1,"start":11.36,"end":11.86},{"sentences":[{"text":"bad at all.","start":11.44,"end":12.66,"sentiment":"neutral","sentiment_score":0.1911467338601748}],"sentiment":"neutral","sentiment_score":0.1911467338601748,"channel":0,"num_words":3,"start":11.44,"end":12.66},{"sentences":[{"text":"Good day.","start":12.32,"end":13.035,"sentiment":"positive","sentiment_score":0.5288433134555817},{"text":"Great.","start":13.275,"end":13.775,"sentiment":"positive","sentiment_score":0.7314054369926453}],"sentiment":"positive","sentiment_score":0.5963640213012695,"channel":1,"num_words":3,"start":12.32,"end":13.775},{"sentences":[{"text":"I just wanted to give you a call to run through everything.","start":15.345,"end":17.685,"sentiment":"positive","sentiment_score":0.48052915185689926}],"sentiment":"positive","sentiment_score":0.48052915185689926,"channel":0,"num_words":12,"start":15.345,"end":17.685},{"sentences":[{"text":"Uh-huh.","start":18.314999,"end":18.814999,"sentiment":"neutral","sentiment_score":0.08667691051959991}],"sentiment":"neutral","sentiment_score":0.08667691051959991,"channel":1,"num_words":1,"start":18.314999,"end":18.814999},{"sentences":[{"text":"Did I got your text message.","start":18.385,"end":19.825,"sentiment":"neutral","sentiment_score":0.07037313096225262},{"text":"Did you have a couple minutes?","start":19.825,"end":21.025,"sentiment":"neutral","sentiment_score":0.0550104392071565},{"text":"Yes.","start":21.025,"end":21.265,"sentiment":"neutral","sentiment_score":0.07986622303724289},{"text":"Of","start":21.265,"end":21.425,"sentiment":"neutral","sentiment_score":0.07457099109888077}],"sentiment":"neutral","sentiment_score":0.06476704536804131,"channel":0,"num_words":14,"start":18.385,"end":21.425},{"sentences":[{"text":"Yeah.","start":21.275,"end":21.595,"sentiment":"neutral","sentiment_score":0.08929234743118286}],"sentiment":"neutral","sentiment_score":0.08929234743118286,"channel":1,"num_words":1,"start":21.275,"end":21.595},{"sentences":[{"text":"course.","start":21.425,"end":21.925,"sentiment":"neutral","sentiment_score":0.13797201216220856}],"sentiment":"neutral","sentiment_score":0.13797201216220856,"channel":0,"num_words":1,"start":21.425,"end":21.925},{"sentences":[{"text":"Yeah.","start":21.595,"end":21.755001,"sentiment":"neutral","sentiment_score":0.18198224902153015},{"text":"Totally.","start":21.755001,"end":22.235,"sentiment":"neutral","sentiment_score":0.27708348631858826},{"text":"Yeah.","start":22.235,"end":22.314999,"sentiment":"neutral","sentiment_score":0.23984834551811215},{"text":"I was just about to get in the shower, so that's a good timing.","start":22.314999,"end":24.735,"sentiment":"neutral","sentiment_score":0.26801144651004244}],"sentiment":"neutral","sentiment_score":0.26182790188228383,"channel":1,"num_words":17,"start":21.595,"end":24.735},{"sentences":[{"text":"Oh, perfect.","start":25.025,"end":25.765,"sentiment":"positive","sentiment_score":0.43781110644340515}],"sentiment":"positive","sentiment_score":0.43781110644340515,"channel":0,"num_words":2,"start":25.025,"end":25.765},{"sentences":[{"text":"Yes.","start":26.18,"end":26.68,"sentiment":"neutral","sentiment_score":0.1799788475036621},{"text":"Just before I went in, I was just grabbing this phone, and I better grab the phone in case she calls back and then oh, the timing.","start":26.82,"end":33.48,"sentiment":"neutral","sentiment_score":0.07968709535068935},{"text":"Yes.","start":33.54,"end":34.04,"sentiment":"neutral","sentiment_score":0.1195029765367508}],"sentiment":"neutral","sentiment_score":0.08451839305203536,"channel":1,"num_words":29,"start":26.18,"end":34.04},{"sentences":[{"text":"She was just timing.","start":33.73,"end":34.87,"sentiment":"neutral","sentiment_score":0.11724106781184673}],"sentiment":"neutral","sentiment_score":0.11724106781184673,"channel":0,"num_words":4,"start":33.73,"end":34.87},{"sentences":[{"text":"Yeah.","start":35.3,"end":35.8,"sentiment":"neutral","sentiment_score":0.25821197032928467}],"sentiment":"neutral","sentiment_score":0.25821197032928467,"channel":1,"num_words":1,"start":35.3,"end":35.8},{"sentences":[{"text":"Perfect.","start":35.33,"end":35.83,"sentiment":"positive","sentiment_score":0.4267471432685852},{"text":"Well, before I jump into it, I do need to let you know our call is recorded.","start":35.97,"end":38.53,"sentiment":"neutral","sentiment_score":0.05347601663978661},{"text":"And if I could get you confirmed security, I have a password on file, the 4 digits.","start":38.53,"end":42.405,"sentiment":"neutral","sentiment_score":0.07862254780005007}],"sentiment":"neutral","sentiment_score":0.07635493539273738,"channel":0,"num_words":35,"start":35.33,"end":42.405},{"sentences":[{"text":"Yeah.","start":42.775,"end":43.255,"sentiment":"neutral","sentiment_score":0.06282395124435425},{"text":"5566.","start":43.255,"end":44.475,"sentiment":"neutral","sentiment_score":0.09645762294530869}],"sentiment":"neutral","sentiment_score":0.07964078709483147,"channel":1,"num_words":2,"start":42.775,"end":44.475},{"sentences":[{"text":"Amazing.","start":45.045,"end":45.545,"sentiment":"positive","sentiment_score":0.43132609128952026},{"text":"So the reason I wanted to call was just to kind of run through the advice document following our conversation last week.","start":46.164997,"end":53.684998,"sentiment":"neutral","sentiment_score":0.1777271723205393},{"text":"So","start":53.684998,"end":54.184998,"sentiment":"neutral","sentiment_score":0.0644465833902359}],"sentiment":"neutral","sentiment_score":0.1835737694054842,"channel":0,"num_words":24,"start":45.045,"end":54.184998},{"sentences":[{"text":"Yeah.","start":54.135,"end":54.635,"sentiment":"neutral","sentiment_score":0.06855195760726929}],"sentiment":"neutral","sentiment_score":0.06855195760726929,"channel":1,"num_words":1,"start":54.135,"end":54.635},{"sentences":[{"text":"what we did was we executed time sensitive advice where I set up the pension account ahead","start":54.485,"end":60.600002,"sentiment":"neutral","sentiment_score":0.053323744412730724}],"sentiment":"neutral","sentiment_score":0.053323744412730724,"channel":0,"num_words":17,"start":54.485,"end":60.600002},{"sentences":[{"text":"Yep.","start":60.440002,"end":60.940002,"sentiment":"neutral","sentiment_score":0.05176311731338501}],"sentiment":"neutral","sentiment_score":0.05176311731338501,"channel":1,"num_words":1,"start":60.440002,"end":60.940002},{"sentences":[{"text":"of a normal process, which would be to draw up advice, get that issued, then execute the the 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moment.","start":521.47003,"end":526.085,"sentiment":"neutral","sentiment_score":-0.08720644693011823},{"text":"Right?","start":526.085,"end":526.485,"sentiment":"neutral","sentiment_score":-0.048819348216056824},{"text":"I mean, you know, on the on the world sort of economy at the minute.","start":526.485,"end":530.325,"sentiment":"neutral","sentiment_score":-0.10910791804393133},{"text":"You know?","start":530.325,"end":530.885,"sentiment":"neutral","sentiment_score":-0.08576659858226776},{"text":"Which all sort of I don't know.","start":530.885,"end":533.045,"sentiment":"neutral","sentiment_score":-0.18865864830357687}],"sentiment":"neutral","sentiment_score":-0.10798604444911082,"channel":1,"num_words":48,"start":521.47003,"end":533.045},{"sentences":[{"text":"Something I was reading this morning was yeah.","start":533.045,"end":536.245,"sentiment":"neutral","sentiment_score":-0.059548914432525635},{"text":"It's it's it's a fairly what would you 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from Oaktree Financial discusses the importance of setting up a pension account and investing in funds to avoid taxable gains. They emphasize the need for a tax-free environment and avoiding taxable gains. The speaker emphasizes the importance of staying patient and staying younger for longer, as well as sending documents and staying on top of current events. The volatility of the market affects the risk profile of the portfolio, but the speaker plans to send a document to the email."},"intents":{"segments":[{"text":"Well, before I jump into it, I do need to let you know our call is recorded. And if I could get you confirmed security, I have a password on file, the 4 digits. Yeah.","start_word":115,"end_word":149,"intents":[{"intent":"Confirm security","confidence_score":0.6518916}]},{"text":"what we did was we executed time sensitive advice where I set up the pension account ahead Yep. of a normal process, which would be to draw up advice, get that issued, then execute the the implementation. Okay.","start_word":176,"end_word":213,"intents":[{"intent":"Set up pension account","confidence_score":0.06656922},{"intent":"Execute advice","confidence_score":0.11195278}]},{"text":"I'm sure you've been getting emails from Hub the whole time Yeah.","start_word":223,"end_word":234,"intents":[{"intent":"Receive emails","confidence_score":0.016210305}]},{"text":"So, essentially, what's happening is the money has moved over from accumulation to pension. So now your money is sitting in pension phase, which means that all funds can like, funds can be withdrawn. I executed Right.","start_word":272,"end_word":308,"intents":[{"intent":"Discuss retirement situation","confidence_score":0.000003320767}]},{"text":"and I specifically sold down assets that I wanted to get rid of out of your portfolio.","start_word":320,"end_word":336,"intents":[{"intent":"Selling assets","confidence_score":0.6762655}]},{"text":"and I specifically sold down assets that I wanted to get rid of out of your portfolio. So I've done a portfolio recommendation for you as well where I'm essentially going to remove those assets from your portfolio.","start_word":320,"end_word":357,"intents":[{"intent":"Removing assets","confidence_score":0.24431168}]},{"text":"So you have the money sitting in cash already, and your pension payment is actually scheduled to go out Okay. Great.","start_word":446,"end_word":466,"intents":[{"intent":"Correcting pension payment","confidence_score":0.30681378}]},{"text":"Okay.","start_word":573,"end_word":573,"intents":[{"intent":"Reducing payments","confidence_score":0.0007703137}]},{"text":"I can get it corrected today and just have one payment so I don't have to deal with it over two days, Right.","start_word":577,"end_word":599,"intents":[{"intent":"Declining correction","confidence_score":0.000029907522}]},{"text":"So everything's moving on that side. We'll get the remainder of the pension. So it'll be a full 20 within the next couple of days anyway.","start_word":653,"end_word":678,"intents":[{"intent":"Explain and update pension balance","confidence_score":4.717822e-9}]},{"text":"Now what I wanna do is I want to obviously, after all your pension payments paid out is do a what's called a cash out recontribution strategy. So it's actually an an estate planning strategy that will basically take all of the money that you have sitting in your account. It will in species transfer it over into what's called a investment account, and then it'll in species transfer back into a pension account.","start_word":1020,"end_word":1093,"intents":[{"intent":"Explain strategy","confidence_score":0.019667543}]},{"text":"I mean, from what it's a is is the market volatile at the moment?","start_word":1374,"end_word":1387,"intents":[{"intent":"Evaluate volatility","confidence_score":0.00372673}]},{"text":"So the the market is always volatile, but that's why I wanna do some of the changes to your your assets so I can so I can, I guess, swap out any of the underlying assets that aren't performing and get you assets that are going to be able to sort of withstand some of that more volatility?","start_word":1484,"end_word":1541,"intents":[{"intent":"Swap underlying assets","confidence_score":0.03715154}]},{"text":"So volatility in the market is is, I guess, always it's not that it's it's it's calculable like it is. Like, you can obviously gain the market.","start_word":1744,"end_word":1770,"intents":[{"intent":"Evaluate market volatility","confidence_score":0.20306803}]},{"text":"And what that means is, like, a, your assets are diversified, So they are structured throughout multiple different sectors, and we're not just in oil. We're not just in Gong. We're not just in one sector. We Sure. are across the market, you know, making sure we have health. We're making sure we have education, making sure we have financial institutions, all of that. Yeah.","start_word":1975,"end_word":2039,"intents":[{"intent":"Discussing asset management and impact","confidence_score":1.989041e-8}]},{"text":"us while, yes, money does drop. And Yes. even so, there's been case studies on the GFC where, you know, a lot of people had historically turned around and said, well, my my, you know, I my my uncle, my aunt, my grandfather lost money during the GFC, you know, and they had to go back to to working. Absolutely.","start_word":2391,"end_word":2450,"intents":[{"intent":"Understand the situation","confidence_score":7.814741e-7}]},{"text":"when you're dealing with a diversified portfolio like this, when you're dealing with long term assets, it's not something you wanna be doing on the daily. You wanna day trade? You day trade with a little bit of money. You don't wanna day trade with something to this extent. Yeah.","start_word":2639,"end_word":2688,"intents":[{"intent":"Analyze investments","confidence_score":0.0005863638}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.05496778339147568},{"text":"Good morning, Simon. Let's Rissa from Oaktree Financial. How are you going?","start_word":1,"end_word":12,"sentiment":"positive","sentiment_score":0.3776063919067383},{"text":"I'm kinda right. How are you going? Not too bad. Not too Uh-huh. bad at all.","start_word":13,"end_word":28,"sentiment":"neutral","sentiment_score":0.20233480632305145},{"text":"Good day. Great. I just wanted to give you a call to run through everything.","start_word":29,"end_word":43,"sentiment":"positive","sentiment_score":0.5071310997009277},{"text":"Uh-huh. Did I got your text message. Did you have a couple minutes? Yes. Of Yeah. course. Yeah. Totally. Yeah. I was just about to get in the shower, so that's a good timing.","start_word":44,"end_word":77,"sentiment":"neutral","sentiment_score":0.1708805114030838},{"text":"Oh, perfect.","start_word":78,"end_word":79,"sentiment":"positive","sentiment_score":0.4378111064434051},{"text":"Yes. Just before I went in, I was just grabbing this phone, and I better grab the phone in case she calls back and then oh, the timing. Yes. She was just timing. Yeah.","start_word":80,"end_word":113,"sentiment":"neutral","sentiment_score":0.0993824377655983},{"text":"Perfect.","start_word":114,"end_word":114,"sentiment":"positive","sentiment_score":0.4267471432685852},{"text":"Well, before I jump into it, I do need to let you know our call is recorded. And if I could get you confirmed security, I have a password on file, the 4 digits. Yeah. 5566.","start_word":115,"end_word":150,"sentiment":"neutral","sentiment_score":0.0689004585146904},{"text":"Amazing.","start_word":151,"end_word":151,"sentiment":"positive","sentiment_score":0.43132609128952026},{"text":"So the reason I wanted to call was just to kind of run through the advice document following our conversation last week. So Yeah. what we did was we executed time sensitive advice where I set up the pension account ahead Yep. of a normal process, which would be to draw up advice, get that issued, then execute the the implementation. Okay. I so the pension account is active and live. I'm sure you've been getting emails from Hub the whole time Yeah. with I've got an email. movements. Yep. Yep. Yep. So I was looking as at sent it going, couldn't quite work it out, but and then I finally clicked what was no. going on. Yeah. You're okay. So, essentially, what's happening is the money has moved over from accumulation to pension. So now your money is sitting in pension phase, which means that all funds can like, funds can be withdrawn. I executed Right. a sell down of assets in Yep. pension phase, Yep. and I specifically sold down assets that I wanted to get rid of out of your portfolio. So I've done a portfolio recommendation for you as well where I'm essentially going to remove those assets from your portfolio. I did execute a sale of the assets that I could sell quickly Okay. rather than rather than assets that take a little bit longer. So I I sold what's called ETFs, exchange trade funds, because they basically will sell overnight, whereas a managed fund, just because it's a little bit more intricate and a managed fund generally has ETFs built into it, it takes kind of a couple of weeks to sell. I obviously Okay. didn't wanna try and sell that and have it take too long. Yep. So you have the money sitting in cash already, and your pension payment is actually scheduled to go out Okay.","start_word":152,"end_word":465,"sentiment":"neutral","sentiment_score":-0.008612521977466384},{"text":"Great. Fantastic. today.","start_word":466,"end_word":468,"sentiment":"positive","sentiment_score":0.6467016935348511},{"text":"Yeah. Code. I did I did log on this morning at 07:30 and noticed that there was a little bit of a hiccup, and it looks like the pension payment's coming out about 3,190. So when Hub set it up, they set it up as the minimum and not the specific requested amount. I've Okay. already been on the phone to Hub this morning to say, hey. You need to correct it. I'm gonna follow-up with them at 12:00, but there is this possibility that today, Yep. a partial $31.90 goes out, Right. and then tomorrow, the remainder of the $20 will get paid. Okay. I'm hoping Yep. I can get it corrected today and just have one payment so I don't have to deal with it over two days, Right. Okay. But there is a possibility that it might be two different payments just Okay. so you're aware. No worries. Yep. It's just it's moved Yep. so quickly, and it just happened over the weekend, so I couldn't kinda stop it. Uh-huh. It's okay.","start_word":469,"end_word":643,"sentiment":"neutral","sentiment_score":-0.02207714691758156},{"text":"Thanks for getting in there anyway.","start_word":644,"end_word":649,"sentiment":"positive","sentiment_score":0.47275736927986145},{"text":"That's okay. So everything's moving on that side. We'll get the remainder of the pension. So it'll be a full 20 within the next couple of days anyway. Payments schedule payments go out at about 03:00. So what Hub Hub does is at 03:00, they push all payments out. So you should Yep. have it basically in your bank account tonight or you'll wake up tomorrow morning with the money in your account. So they don't Great. do Excellent. morning payments. They do afternoon payments.","start_word":650,"end_word":734,"sentiment":"neutral","sentiment_score":0.13366185303996592},{"text":"You're great. Thank you. Yeah. Great.","start_word":735,"end_word":740,"sentiment":"positive","sentiment_score":0.6148748397827148},{"text":"Now part of my advice that I've detailed, and I'm I'm send I'll send you the advice document through for you to basically read and authorize. But, essentially, what what I've recommended is, yes, the setup of the pension account and then a change of your underlying investments as well. So I've just gotten rid of some of the assets that aren't performing too well, cost a little bit more to operate, and just gives your fund a little bit more chance to be able to maneuver and do everything. Yep. The effective way is that because we moved into pension phase before we sold anything, there's no capital gains effects on the account, Yep.","start_word":741,"end_word":855,"sentiment":"neutral","sentiment_score":0.1898144781589508},{"text":"which is really good.","start_word":856,"end_word":859,"sentiment":"positive","sentiment_score":0.5237871408462524},{"text":"So we're saving tax by executing things in that order. And then outside of that, there are a couple of others there there's sort of one more thing that I want to do. We didn't previously discuss it, but Yep. Yep. when I was kinda going through and looking at your account, I noticed that all of your money is currently sitting in what's called a taxable element. So what that means is that prior to 60, if you tried to withdraw any money, you would have been taxed. Now, obviously, not really an issue because they're over that 60 age bracket. So for you personally, it doesn't really change anything. However, Yeah. you have your children nominated as beneficiaries on your account. Yeah. Now what that means is that if you were to pass away and your because your children are going to receive the benefit directly, they would pay up to 17% tax on the taxable component. Right. Now what I wanna do is I want to obviously, after all your pension payments paid out is do a what's called a cash out recontribution strategy. So it's actually an an estate planning strategy that will basically take all of the money that you have sitting in your account. It will in species transfer it over into what's called a investment account, and then it'll in species transfer back into a pension account. And what that does is it just it sounds convoluted, but all it's doing is it's basically grabbing the money that's sitting in a taxable component and it's converting it into a tax free component. Okay. So it means that if you were to pass away, then the kids receive that money tax free because it's already Yeah.","start_word":860,"end_word":1151,"sentiment":"neutral","sentiment_score":0.08626141128678845},{"text":"paid its highest marginal tax rate, which is great because you pay no tax because of your age. So Right. it's Right. kind of a a way to navigate that tax system, put the money into a tax free environment and a state plan for the kids in the event that anything happens.","start_word":1152,"end_word":1204,"sentiment":"positive","sentiment_score":0.443900465965271},{"text":"Obviously, not putting on anything happening when, you know, I wanna keep you alive for as long as possible, Sure. Yeah.","start_word":1205,"end_word":1225,"sentiment":"neutral","sentiment_score":0.188170462846756},{"text":"Thanks.","start_word":1226,"end_word":1226,"sentiment":"positive","sentiment_score":0.4482188820838928},{"text":"but it's just future planning and kind of, Yep. I guess, evolving the strategy that I was already putting in place just with sort of what you have available Yeah. and where we're currently sit sitting for you, I guess, position wise. Once the money goes in, you will start to accumulate a tax taxable component again Yeah. Alright. because any any gross on your account goes into a taxable component. So it's not gonna be a 100% tax free forever, but at least the remainder of the money sitting in the account will be tax free. It means that we have more tax free component.","start_word":1227,"end_word":1332,"sentiment":"neutral","sentiment_score":0.16200080513954165},{"text":"There's less tax paid if anything does happen to you, and it's just putting you in a much better position right now Yeah.","start_word":1333,"end_word":1355,"sentiment":"positive","sentiment_score":0.46683335304260254},{"text":"in the event that anything happened. Does that make sense? Sure. Yep. Yeah.","start_word":1356,"end_word":1368,"sentiment":"neutral","sentiment_score":0.13307777047157288},{"text":"That's cool.","start_word":1369,"end_word":1370,"sentiment":"positive","sentiment_score":0.5349637269973755},{"text":"Sure. Yeah. Yeah. I mean, from what it's a is is the market volatile at the moment? I mean, I've got I was just had I just went with the mate for a couple of weeks a little while back, and he's doing the spot back and stuff. And he's just, you know, he's right on to the market, and he's just saying, yeah. It's pretty volatile. I think because of, you know I mean, he's putting his money into stuff like oil and stuff, but, like, you know, it's just yeah. It's it's quite a bit of a code and data sort of stuff that goes on there. There there can be. So the the market is always volatile, but that's why I wanna do some of the changes to your your assets so I can so I can, I guess, swap out any of the underlying assets that aren't performing and get you assets that are going to be able to sort of withstand some of that more volatility? That's not to Yeah. say that that the market's not gonna, you know, possibly have a little bit of a correction or, you know, or or or go down.","start_word":1371,"end_word":1570,"sentiment":"neutral","sentiment_score":-0.004710689652711153},{"text":"The good thing is is, like, right now, we're you're withdrawing a lump sum.","start_word":1571,"end_word":1584,"sentiment":"positive","sentiment_score":0.339114785194397},{"text":"That's the only lump sum that we're really intending on in drawing. Yes. You know, right now, we're not intending on crystallizing any more gains or losses over the next while. No. So we're we're kosher on that side. Realistically, Yeah. it's the only effect that would really happen is if you potentially ended up drawing more money out later while the market went through a crash. If that Right. happened, then, yes, Yeah. there could be there could be an issue Right. with it. It has I mean, I mean, I I sort of read a bit, but it's like it's it's fairly edgy at the moment. Right? I mean, you know, on the on the world sort of economy at the minute. You know? Which all sort of I don't know. Something I was reading this morning was yeah. It's it's it's a fairly what would you say?","start_word":1585,"end_word":1734,"sentiment":"neutral","sentiment_score":-0.09587512468298276},{"text":"Times are a little bit uncertain.","start_word":1735,"end_word":1740,"sentiment":"negative","sentiment_score":-0.3741328716278076},{"text":"Would you say? So volatility in the market is is, I guess, always it's not that it's it's it's calculable like it is. Like, you can obviously gain the market. You can definitely, you know, watch it, but it's very much crystal ball. Like, what date, when does it happen, when, you know, when are things gonna occur? I have you in a it it it's so risk profile wise, Mhmm. I have you in sort of, like, a a level three out of, like, five. Right. You can obviously go a lot more conservative than the five, but if we're getting, you know, sort of on that top scale of aggressiveness, I have you sitting Yep. at what's called an eighty twenty split. So Right. at Oakview, we have, like, an aggressive portfolio that is, like, a 100% on the market. We have a high growth that is 90% on the market. We have a a growth, which is where you're sitting, Yeah. Yep. which is 80% on the market, and then there's seventy, sixty. And then Yep. you start going into the more defensive, like, defensive standing positions where you go as, like, 60 fifty fifty and, like, 40% of the market and lower and lower. But Yeah. in your sort of aggressive bracket or your your high high growth growth earning bracket, you're sitting sort of in that mid range. And what that means is, like, a, your assets are diversified, So they are structured throughout multiple different sectors, and we're not just in oil. We're not just in Gong. We're not just in one sector. We Sure. are across the market, you know, making sure we have health. We're making sure we have education, making sure we have financial institutions, all of that. Yeah. So, yes, don't get me wrong.","start_word":1741,"end_word":2044,"sentiment":"neutral","sentiment_score":0.05022419676625807},{"text":"If Trump was to do what Trump can do and and, you know, make a really, really knee jerk statement, Yeah.","start_word":2045,"end_word":2065,"sentiment":"negative","sentiment_score":-0.3338153660297394},{"text":"it does affect the market. The Yeah. US market affects the Australian market, generally, a couple days in you know, behind. Same as So oh, it's I like can't the the borrowing think of his name. and the US dollar and that kind Yep. of stuff that I've been reading about.","start_word":2066,"end_word":2116,"sentiment":"neutral","sentiment_score":-0.1793019026517868},{"text":"So I don't know how it just feels.","start_word":2117,"end_word":2124,"sentiment":"negative","sentiment_score":-0.3439990282058716},{"text":"Yeah. Yeah. Who knows what's gonna happen really with with Trump, especially, like, in his volatility. And Yeah. yeah. And how that The sort one of thing reflects back on the Australian market as well or the world market. You know? it def it definitely can. What I'll what I'll do is, like, I'll I'm I'm sending the document to you now. I'm just I I literally was I I finished it off, and I was like, I just I wanna get on the phone and just get it get it sent to you and and not delay. So I haven't sent it to you yet, but Yep. I I what I wanted what what I will do is I will include what's called a the Vanguard index chart, which Right. so this will show you historically how the markets have acted and it has points in in the historic like, in history that, you know, Great Depression. It shows the the 2001 On tech bubble. an actual It pricing. shows yep. F the the c f the the Yeah. GFC. Yep. GFC. Yeah. Too many acronyms. Yeah. There's definitely too many acronyms. Yep. Yeah. It shows the global financial crisis as well. So and, like, you know, it shows some of the wars, all that. And it shows what the effects it had on different asset classes Uh-huh. and and how if, you know, you've been invested across the in the market that whole time and hadn't, you know, sold out, how your money sort of would grow over that time. So history shows Yes. us while, yes, money does drop. And Yes. even so, there's been case studies on the GFC where, you know, a lot of people had historically turned around and said, well, my my, you know, I my my uncle, my aunt, my grandfather lost money during the GFC, you know, and they had to go back to to working. Absolutely. That happened, and that was because people Right. made knee jerk reactions during the GFC, and they sold their assets because Yep. Right.","start_word":2125,"end_word":2473,"sentiment":"neutral","sentiment_score":-0.04264088035334318},{"text":"they freaked out and they went, nope. Liquidate everything. I have to protect.","start_word":2474,"end_word":2486,"sentiment":"negative","sentiment_score":-0.5231773257255554},{"text":"I have to protect. Whereas if they'd held and granted the GFC was, it did take a long time to bounce back. But if they'd held for that eighteen months, they would have been fine. They would have had their money back.","start_word":2487,"end_word":2528,"sentiment":"neutral","sentiment_score":-0.22356753051280975},{"text":"But a lot of people sold out.","start_word":2529,"end_word":2535,"sentiment":"negative","sentiment_score":-0.3828934133052826},{"text":"They sold during Yep. the low. They crystallized Yep.","start_word":2536,"end_word":2544,"sentiment":"neutral","sentiment_score":-0.12356442213058472},{"text":"what they'd already lost.","start_word":2545,"end_word":2548,"sentiment":"negative","sentiment_score":-0.3527314364910126},{"text":"And then when they bought back in, by the time you bought back in and realized the market's going up, you've already Yeah. bought in at a higher price. Yeah. Yeah. So that's So where lose a lot lose. is Yeah. correct. Yeah. So and don't be wrong. I have had times where I have sold out just before just before the bubble burst and sold out at the high and bought in just as the market's starting to turn back up, and I've made money for clients. But Right. when you're dealing with a diversified portfolio like this, when you're dealing with long term assets, it's not something you wanna be doing on the daily. You wanna day trade? You day trade with a little bit of money. You don't wanna day trade with something to this extent. Yeah. Yeah. Absolutely. I mean, honestly, I spent two weeks watching him do it and, like, yeah. Yeah. It's paid You trading. you have I to was be like, on it. Yep. yeah. He's on it. He's on it. I was like, no. I didn't watch him. I couldn't do it. And he's like, I think he lost money. But he said overall, he made money, but I Yep. watched him lose money. You know, just watch $11. There you Yep. go. Yeah.","start_word":2549,"end_word":2770,"sentiment":"neutral","sentiment_score":-0.0031936006570184553},{"text":"And he Fuck.","start_word":2771,"end_word":2773,"sentiment":"negative","sentiment_score":-0.4459643959999085},{"text":"just Yeah. sits there and goes, oh, it's alright. Because Yeah. he That's knows right. that he's I'll making money on the I'll other side. make a pack. Yeah. I Yeah. made money before. I'm ahead. You know? He wasn't prepared for the day. He wasn't happy that day. But, like, yeah. Yeah. He recovered. Yeah.","start_word":2774,"end_word":2829,"sentiment":"neutral","sentiment_score":-0.08295243978500366},{"text":"That's alright. In the end, you know, if you're patient, you'll you'll, you know, you'll come out on top.","start_word":2830,"end_word":2848,"sentiment":"positive","sentiment_score":0.396486759185791},{"text":"Like you say, you just don't panic. You know? I guess Yeah. that's the thing. Yeah. But, yeah, no. No. I definitely trust what you're doing and, you know, your strategy, and you sound like you're all over it. So, yeah, you know, I'm not stressed at all about any of that stuff. I'm just I'm just interested. That's all, you know, it's quite No. interesting to try Absolutely. and stay on top of a little bit of what's happening in the world. You know? I think Right. half my job is education, so you're so fine. Absolutely. Yeah. No worries.","start_word":2849,"end_word":2949,"sentiment":"neutral","sentiment_score":0.14101899098051657},{"text":"Cheers.","start_word":2950,"end_word":2950,"sentiment":"positive","sentiment_score":0.400874376296997},{"text":"Yeah.","start_word":2951,"end_word":2951,"sentiment":"neutral","sentiment_score":0.28750765323638916},{"text":"So anyway so, yeah, that'd be good.","start_word":2952,"end_word":2958,"sentiment":"positive","sentiment_score":0.4594550132751465},{"text":"It'd be interesting for me to look at that, definitely. I'd be interested in having a look at that. And then go again and just, you know, just have Yes. a I will overall historical look. You know? yes. I will send you the I'll send you the Vanguard chat when I when I send the documents. I'm literally I'll zip them all up, and I'll I'll send them to you so that way you're able to see Yeah. I don't wanna make more them. work Sign for them. you though. You know? Like but No. yeah. No. Take me two seconds to to pull that. That's that's easy. Okay. Alright.","start_word":2959,"end_word":3069,"sentiment":"neutral","sentiment_score":0.06666319817304611},{"text":"I Great.","start_word":3070,"end_word":3071,"sentiment":"positive","sentiment_score":0.34245213866233826},{"text":"have to send you the Okay. documents anyway. So you'll have them in a little bit, hopefully, by Yep. the time you jump out of the shower. Okay. Right. Yes. Yes. No worries. Well, I've done my morning exercise, and now I'm off to the shower. You know? This is my my strategy of staying younger for longer.","start_word":3072,"end_word":3129,"sentiment":"neutral","sentiment_score":0.16210174560546875},{"text":"It's nice.","start_word":3130,"end_word":3131,"sentiment":"positive","sentiment_score":0.46560946106910706},{"text":"It's multifaceted, but I intend to live for quite a while. Yeah. So but I'm doing the work that it takes to do that. So that's where I'm at. I know you Perfect. didn't need to hear that, but anyway No. Not at all. You're so fine.","start_word":3132,"end_word":3178,"sentiment":"neutral","sentiment_score":0.10233282297849657},{"text":"Well, oh I god. will let you go Yep. and enjoy your shower.","start_word":3179,"end_word":3191,"sentiment":"positive","sentiment_score":0.4123266339302063},{"text":"And Okay. if you have any questions when you get receive the documents, Yep. just give me a call or shoot me an email Okay. through. No stress. No worries.","start_word":3192,"end_word":3221,"sentiment":"neutral","sentiment_score":0.07385665675004323},{"text":"Alright. Great. Thanks a lot, Marissa.","start_word":3222,"end_word":3227,"sentiment":"positive","sentiment_score":0.7074827551841736},{"text":"No stress.","start_word":3228,"end_word":3229,"sentiment":"neutral","sentiment_score":0.3276864290237427},{"text":"I'll keep an eye on the pension payment, flick you in email once I have an update this afternoon as well. Okay. Excellent. Thank you very much. That's okay. Have a good one. Okay. You too. Cheers. Bye.","start_word":3230,"end_word":3267,"sentiment":"positive","sentiment_score":0.49682679772377014}],"average":{"sentiment":"neutral","sentiment_score":0.05359449594140541}}}}