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Isn't this still a good time there for you? Yeah. Beautiful. How's your day been so far? Oh, wow. Yeah. Nice. Home for a bit of a rest and hopefully a decent sleep this afternoon. All all good. I was trying not to take up too much of your time there, Jamie. Just to good double check before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And just to do security there with you as well, we are discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Perfect. Thank you so much for that. And happy birthday for last month. Did you get any time off or do anything special, or you just sort of went through it? Yeah. They they they hit differently as you get a bit older, don't they? I understand that. No. All good. Jamie, having a bit of a look here, I can see when you spoke to my colleague, Samantha, you had some questions about possibly using some unused concessional cap. You had, I believe, about 49,000 unused cap space. What sort of questions can I help you with? Yep. Yeah. No. You absolutely can. And that that can be completed by salary sacrifice. If you are increasing your salary sacrifice in order to use up the unused cap space from previous years, you just need to be very careful. Essentially, if your balance goes over that $500,000 mark as at the June 30 any financial year, then you lose access to those previous cap years. And the other thing to consider is if you're salary sacrificing and you use up all the cap space, you don't wanna keep salary sacrificing. You wanna be able to reduce that back a little bit. So yeah. If you wanted to, we could always look providing some personal advice for you around that to maybe make a recommendation to utilize the cap space and show you what that looks like, the advantages, disadvantages, risks involved to kinda help you make the decision as you are getting close to those retirement years as well. Yeah. Yep. Yep. That's okay. Yep. Yeah. That's absolutely fine. If you're comfortable just doing that, you don't wanna receive personal advice, that's not a problem at all. You can just switch your employer, increase that as you'd like to. Down the track as we sort of catch up, it is important that we review things with you and just make sure you don't exceed those caps in saying that. Every couple of years, they are hoping to kind of increase the cap a little bit by around 2,500. So there's it's supposed to. Yeah. There's no real confirmation that it's actually happening yet, but it is something I'm definitely keeping an eye on because it is supposed to increase this year. It says the $32,500, so we'll just keep an eye on that. Yeah. It is. Yeah. It does look on your gross contribution. So as much as your contributions go in there from your employer and 15% tax is deducted out of that contribution, the amount your employer puts in there. So say if you get $2,000 in SDC contributions, they account that $2,000, not the fifth not the difference between the tax. So it is gross contribution rate that is added to your caps. Yeah. That that it would be nice if they didn't consider that taxation side of things. It would give us a little bit of leeway, but, unfortunately, I see it's all coming tax is always a part of it, isn't it? Yeah. No. But at the same thing, like, with your with your income. So when you look at your assessable income, your assessable income is considered your gross income, not the you know, and you your taxes worked out on that. So it's exactly the same sort of thing. Same scenario. Yeah. Yeah. All good. So you're that's okay. So you're comfortable just letting your employer know that wanna increase your contributions? Yep. Yep. That's okay. If you ever do have any questions or wanna maybe have a chat to me or get me to review that and provide that personal advice, you absolutely can. You have me here. You may also utilize me to the full extent. It's not a problem at all. Okay? Yeah. Yeah. Correct. No. No. It's definitely not. So you're an ongoing service client, which means you pay the ongoing service fee, and that allows you and entitles you to additional advice. Order for us to provide advice, we do need to obviously update all of your circumstances. We go back and do in-depth research around providing the advice, and that way we'd give you an advice document sort of like what you've received in the past. And then you get to decide whether you take the advice or not. There's never you're never obligated to take on the advice we do provide, but there's no additional cost as an ongoing client for advice documents. It's all part of the fees you pay. Yeah. Yeah. That's okay. Yeah. You're fine. If you're if you're comfortable taking like, doing that, you can speak to your employer. Let them know if you have any struggles or feel like it might be a bit uneasy or have additional questions, then you can always come back and talk to me. Advice doesn't always have to be personal. It can just be general in nature. I can give you information. There's lots of other areas that we can touch base on, and we'll check-in and do catch ups and any reviews with you as we do anyway. So you can always flag anything, or if we see contributions because we see the contributions coming into Netwealth as well. So we can always flag if we feel like you're getting closer to your cap space and, you know, need to review things with you as well. Yeah. Perfect. The other note I had here was that you wanted to have a bit of a chat about the market and maybe your risk profile. Does that ring a bell? Yeah? Mhmm. Yeah. Yep. No. That's okay. Absolutely. Good question. Well, to kind of sort of look at that for you, and one of the things I have been looking at is essentially what's called the VIX index, and that's sent to is that essentially tracks investor concern in the markets and the type of volatility that we are sort of expected to look at. At the moment, it's sitting at about 24%. Anything on the VIX index over 20% means that there is a bit of concern around the markets. Investors are a bit wary, and they are expecting some ups and downs, some volatility to occur. Are a bit wary, and they are expecting some ups and downs, some volatility to occur. Anything under that kind of 20% sort of is spent to talk about stability. When I have a look at that, it is sitting at 24.92 at the moment, but it's not at its highest point. It was actually up even higher, and over the last sort of day, it's dropped by about 13%. So whilst we are expecting a bit of volatility there, you know, investor concern within the market is definitely taking a bit of a dip. It's not you know, investor concern is is stabilizing a little bit at the moment. That could change. I do wanna sort of point out that I do expect market volatility over the next few months to be a thing. We are gonna see those ups and downs, but it's also about diversifying your portfolio, making sure that you are taking a little bit less risk in the market when you need to and making sure you're spreading your risk level. So one of the big things we do wanna look at is, like, if equities don't do so well over the next few months, you've also got assets like gold in your portfolio, which is there to kind of mitigate. Gold is a growth investment, but it's also in your portfolio to act defensively. And history has shown that when equities don't do so well, so when businesses and companies on the ASX are are down significantly, people put money into gold as a bit of a safe haven there. And your portfolio, having a look at the last twelve months, so from this time last year to now, your portfolio has still seen 11.45% return. So you're still seeing a very good return even with the ups and downs that we have definitely seen. One of your investments within your portfolio, then along Australian equities, that is down a little bit more. We do wanna maybe look at removing that out of the portfolio at some point as well. But you're in also more of a balanced growth environment. Because remember, back in sort of 2023, we did reduce your risk level significantly. So that that you know, sort of in the highest risk level. And in a balanced growth environment, you normally see about sort of 70% of your funds invested in growth assets. So, like, Australian shares, international shares, listed property, and also commodities like the gold and silver aspect. And then the other defensive investments, things like cash, bonds, and fixed interest, you normally then see around about sorry. Around about sort of 40 30% invested in that area to kind of provide some lower risk investments as well. So you it looks like you are pretty well invested across the board. You do have good diversification in there. Your portfolio has been a fairly decent return. And what we sort of wanna do is we wanna limit selling things when the market is down as much as possible. Essentially, you know, by selling at investments when they are seeing a bit of a dip, but when they are down is cementing losses. And if we continuously do that over time, we actually don't make much of a profit. We don't we end up just cementing all the downtimes, and our super doesn't have a chance to grow. But if you're looking to keep salary sacrificing and maybe increase net in, even when we do see this volatility in the ups and downs in the market over over the next couple of months, you're putting regular contributions in there. You'll get to take advantage of those downtimes as well in those certain investments. So where investments might be lower, might have seen a bit of a downturn, you putting money in at those particular points in time, meaning that when the market comes out, you've bought into the dip into the discount at the time. And as the market recovers out, as that investment recovers out, you actually do gain a little bit. It can reduce your buy pricing, and it can provide you with a greater return as the market recovers out as well. So yeah. Yeah. It's about sort of looking at the way the way the market is, the way you are invested, and utilizing downtime to your advantage as well. As long as you're comfortable with the, you know, the portfolio you're in, you're happy to sort of wait out, you're not gonna retire in the next couple of years, then, realistically, you know, you you do have that time horizon ahead of you to sort of withstand those downtimes and keep investing through it. It's always a good always a good scenario. Yeah. Did you want me to maybe do a risk profile with you and just reevaluate the market and where it's at, or did you wanna sort of sit tight for maybe a couple of months and we do a catch up in maybe three months and see what the end of financial year brings for us? Or yep. Yeah. Yep. Yep. That's okay. And how do you look? Are you I know you told my colleague Smith that you were sort of hoping to access super, maybe retire around age 60 or 62. Is that still when you'd like to access your super? Okay. Yep. Okay. Will that affect your income or your earning capacity at that time, or will you still sort of be on the same income? Because you'll be doing full weeks as well, won't you? Yep. Yep. Perfect. No. That's okay. When you do hit 60, there's other sort of strategies that we can look at as well. One of those is more called a transgender time and strategy where you can be increasing your contributions in the super to maximize the caps as much as possible. But then because it's reduced your take home pay, we're able to, under the rules, access a little bit of money out of super. It works really well because you're keeping the same take home pay as much as you possibly can. You're putting more into super, so your super is benefiting from those extra contributions. And then you you are you paying less income tax overall because the money we can draw at to supplement your income is tax free. So there are those advantages to those sorts of strategies. And when you turn 60 or when you get closer to 60, we could definitely maybe have a bit more of a chat around that and look at what kind of benefit that may provide as well for you. Yeah. Yep. Okay. Yep. Yep. Yeah. That's it definitely can do. So the way the catch up contributions work is that, essentially, you need to utilize this year's cap space first, and that sort of triggers the bring for the carry forward rule. So once you've completed you've put the the $430,000 in for this financial year, then it lets you start using the previous financial year's cap. It sort of triggers it, and that's when you kinda go back. You utilize the oldest year's cap first, and it kinda works forward from there. So you can absolutely do a 5,000 per year if you want to. It just means that if you don't if you don't use all of the previous year, once we get to the July 1, the oldest year is no longer available. So yeah. Yep. Perfect. Yep. Yep. Yep. Yeah. Yep. I'll just have a quick I can just pull up the details of your income there to kinda give you a bit of a guide if you like. So you're on about 130 at the moment. What's your income currently? One 30 three. Yep. Yep. And do you receive employer contributions on the bonus as well, or is that just on your base income? Just on your base. Okay. So we're working on the 133. Yep. So so a 133,000 salary annually there. Let's just your employer contributions are 12%. Do you know are they paying anything higher over that 12? Nope. Nope. It's okay. That's okay. Definitely have a look at your contract because you work for BHP, don't you? Yeah. Just double check with your employer to make sure that you're not essentially being paid more than that 12% because that can increase how much you get. Yeah. Mhmm. Double that's okay. Double if you've got your employment contract there, have a bit of a look at it. If not, double check with your payroll when you kinda go and talk to them to see if there's anything over that 12%. What are you self sacking at the moment? 540 per fortnight? No worries at all. I'll just update that. Beautiful. Sorry. I just had on here $4.40 per week. So 540 per fortnight. Yep. Perfect. So having a look at that at the moment, total contributions, this is just based on the 12% there, and the current salary sacrifice on a fortnightly basis. It shows that current in current employer contributions altogether will be around what are we looking at? So employer sorry. My computer's a little bit slow. It's thinking about it. Employer contributions at 12% based on your income is 15,960. And then just spinning, adding in this the fortnightly salary sacrifice there as well. Yep. Perfect. That adds an extra 14,040 in contributions. Zero. Yeah. Perfect. So plus $6.00 plus $14.00 $4.00. So that brings you up to the $30,000 cap. So that's essentially your current employer contributions plus your current salary sacrifice will maximize the cap, which means that anything you put in over and above your current sales cycle employer will essentially be used in the will be added or taken from the carry forward rule. So once you get to the end of the financial year, they've got all your contributions in there. It should trigger the carry forward. And you can be putting that in there. You don't have to wait. It's more just about making sure that when the ACO at the end of the financial year get reported all the contributions that have gone in, they'll look at that and go, hey. You've exceeded the cap. But that's okay. Last financial year, June 30, your balance is under 500 k. You had access to carry forward. This is your, you know, most long this is the what you had available five years ago. This is what you were able to use over and above the cap to trigger the bring it forward rule. So it's kinda just a bit of a process, but you can start salary sacrificing that now to sort of keep an eye on it, just sort of make sure that you are looking at your myGov maybe on, you know, a regular basis just to sort of see. It doesn't get updated all the time. I tend to check those things around about tax time when I know things are actually getting updated by the ACO and just keeping an eye on your contributions going. And I think last year, I sent you that my pay calculator as well. Did you get that email through? Yeah. You can always use that tool as well just checking on, you know, what it looks like, the contributions going in, adding them up a little bit. And as I said, you know, if Netwealth, we get lists of contributions and things like that. The super funds tend to sort of flag when contributions are getting close to the cap as well. So we can definitely, you know, give you a call and sort of catch up with you if if we feel like it's getting too close to the cap. But, yeah, if you're comfortable going ahead with that, there's nothing wrong with that. Getting as much money into super now is definitely a benefit because you do are about six years out from where you wanna retire. So Yeah. Yep. Yep. So then if we're utilizing you, do you wanna sort of cap out that 7,000 for the first year? Mhmm. Yeah. And you're wanting that's okay. Are you kind of wanting to cap it out by the end of the financial year this year, or you kinda wanting to break it down a little bit more? Yep. Yep. That's okay. So if we work on, say, 5 thousand. Yeah. Yeah. Absolutely. So you mentioned before, you've got the $7,000 cap in the oldest financial year available, but you said you were sort of hoping to do 5,000 extra contributions. Is that what you're after, the 5,000? Yep. So if we sort of divide that and you make that, you get paid fortnightly. Yeah. Yeah. Perfect. So dividing that and making it fortnightly for you, so roughly twenty six weeks in a year fortnight. So it's about a $192.31, say. That is correct. Yeah. I'm gonna multiply that. Of your income, 30 one. Yep. So it works out to be around about it's definitely it's, like, point 14% of your income based on that. But I don't know if your employer wants it to be if your employer wants it to be, like, the percentage as a whole including your color color and service sacrifice, or do they want just the increase in that as a percentage against your income? Yep. Yep. Okay. Yeah. Yep. It might be. Yeah. It might just increase it slightly. Yeah. Yep. The other option is if it's gonna be easier, the other option you can always do it as what's called a deductible contribution where you don't get your employer to put it in by way of salary sacrifice. You would, out of your income, take that money every week for that month, or you can just put it away and do it as a lump sum at the end of the financial year. And you just deposit that money from your bank account into super. It's it goes in. This is a non concessional contribution, and then at the end of the financial year, you can claim a notice of intent. That notice of intent basically changes the changes the contribution type to that concessional. It gets added to your concessional caps there, and they do the then deduct the 15 percent. It's just another way of doing it. With claiming it that way, you then can take that notice of intent or the the the they give you, like, a letter for the notice of intent. You take that back to your accountant, and you let them know that you you've made some extra contributions to super. You wanna claim them as a tax deduction, and the amount you can put into super becomes a tax deduction for you on your personal income tax return. So that's another way of doing it if you wanted to do it. That way, you don't have to kinda tell your employer what percentage of your income to e increase it to. You can also keep an eye on it. You can do it on a regular basis in the super, and we can always send you the the details for making that deposit, either sort of ETF or b pay, however is preferable to yourself. And, yeah, you can do it as a deductible contribution if you wanted to. It's just a a little bit of a different way of doing it and utilizing that that cap space a little bit. Yeah. I've got a few things to think about. Yeah. Did you want me to send you an email? I can give you just a little bit of a breakdown on kind of the deductible contribution versus the sales stack, and you can kind of just mull your eyes over it. Yep. Yep. Yeah. Yeah. No. Definitely. Well, one of the good things about, I mean, the main sort of difference between the two is that the salary sacrifice comes out of your pretax income, and it's done with your employment. So you don't kind of have to think about making the contribution. And if you are quite time poor or don't like to log in to your account, it can be the easiest way to do it. Yeah. Yeah. And that's completely fine. The other way of doing it with that deductible contribution, essentially, you're putting that 5,000 in as a lump sum or on a regular basis over time. It sits in there as a non concessional contribution. So an after tax contribution sits in your tax free component. Once we claim that notice of intent, it changes the way the contribution is made. But then when you go back, you tell your employee you've made so you tell your accountant you've made that $5,000 contribution. You've claimed it as a under the notice and that you wanna deduct it from your income, and they can utilize that 5,000 as a deductible on your personal tax return. So this is a different way of doing it. They have different pros and cons and advantages, but it also comes down to what's comfortable for you as well. Do you wanna be making that contribution manually, or is it easy to have it done as part of your employer contributions? That way, you don't have to think about it at the same time. So yep. Yeah. Yep. Yeah. Absolutely. Oh, absolutely. Absolutely. I do like with the deductible contribution, you can claim it back on your tax return, but there is that manual side to it. On par, they've both got the 15% tax deducted out when the contribution, you know, is put in, whether it's done now or at tax time. You still pay 15% tax. You still have the money invested, which is kind of great. Either way, you're putting extra money into super. And doing that now rather than waiting for four years down the track, the compounding effect is much greater. So yeah. Definitely. Yeah. Did you want me just to send you that email with the two or if you kind of made up your mind? Yeah? Yep. Yeah. Beautiful. Absolutely. Well, let me know. You'll have my email there as well. So you're welcome to email me back if you have additional questions or if you wanna get that go down the personal advice route. Absolutely happy to help you with that. In the meantime, if you like, we can just leave everything as it is for the moment. We can do a catch up kind of around about June if you like just to see how things are tracking and maybe looking at updating the advice side of things for you because you are tracking towards retirement. So we could always look to update the advice and maybe focus on retirement aspect and see where we're tracking what it looks like and what we can maybe do if there's anything to alter at that time. Does that sound like something you'd like to do then? Yep. Beautiful. Possible advice conversation around about June, and then if we can always touch base on how those contributions are going for you as well. Okay? Yep. Perfect. Well, good. Have absolutely. Yes. Yep. So at the moment, our ongoing service fees are 1.65% per annum. At the moment, they cap it the balance is 600,000. We are looking to change the fee very soon. However, when that comes into play, essentially, the higher your balance get, the lower your ongoing percentage becomes. So when that changes, we'll we'll come back, and I'll have a conversation with you and show you what that looks like. But at the moment, under the current fee structure you have, you pay 1.65% per annum. That is capped at balances of 600,000. The 1.65% is deducted in small monthly increments as well, so it is essentially attached to the performance of your super. So when your super is doing really well, when you're getting a great 11% return, then it does mean the amount we're getting is a little bit higher. However, if the mark was to take a bit of a dip, if we did see the market start because of what was happening in the world generally, then it means that our fee takes a bit of a dip there with it as well. So we're not charging you the same amount every month regardless of the performance of your super. So it is linked to the performance in a way as well. Does that make sense? Yeah. Well, the the idea is in what we're sort of wanting to see is we're wanting to make sure that the that with your super that we make that 1.65%, but then you get additional on top of that. So the return I just gave you before is net of fees. So you've had, in the last twelve months from last year to now, an 11.45% return. As a dollar figure, you've made in gross and income $37,531. And that's after all the fees and rebates and costs have come out, so it's after your fees. So whilst our fee has come out of the super, you've also made a really good return on top of that. Yeah. Yeah. And the idea of having us they obviously we are as financial advisers, we are a service that we are here for you to utilize. So it does mean that we do wanna update the advice, reevaluate the investments that you know, when time comes as well, and provide additional advice to you. There's no extra cost to the advice we do provide. That's all part of being an ongoing service client as well. So making sure you're getting value, helping you in whatever way we possibly can, reviewing the investments, your risk profile, helping you with additional advice when need be as well. Does that make a little bit more sense? Yeah. Yep. Yeah. Yeah. Yeah. Well, as I kinda mentioned, we do wanna maybe update the advice this year just to kinda reflect some of the investments in there are doing really well. Some of them are a little bit down. So we might watch to see if there's maybe some changes to be made. One of the investments you have in your portfolio at the moment is the Benelong Australian Equities. When you came on board, that was put in there to give you a little bit of the active management component in there. Bennelong is something we do wanna look at maybe removing out of the portfolio. It, like last year, has had a bit of an issue with one of its underlying investments. Corporate Traveler was one of their companies that they had invested in through the fund. They had been a bit dishonest to the market. It had come out, and it meant that Benelongs had to reevaluate that portion of their investments. They kind of haven't really done a lot of active management in there in the past. They've kind of hold held on to everything. But our investment committee have kind of looked at this investment option and gone, look. It might be time to maybe move people out of it. It's not it's being downgraded as an investment. And in your portfolio, whilst you're up 11%, that one investment is down a little bit as well. So this year, we are trying to move everyone out of Bennelong and put something in its place. Because you've had a great return, you are looking to put more money into super. Happy to keep it there for just another few months. But when we catch up in June, I definitely like to maybe look at the portfolio, maybe look at restructuring some things, and just seeing what the market looks like at that time for you. Okay. We do. We still have to update the advice to reflect those sorts of changes. If you wanted me to now just do an advice document, I can just do one now just to remove that along and put something in its place and provide that. We just can't move that investment out without updating the advice structure, and that's because the advice documents we've provided in the past have outlined what investments we're investing your money in and what percentage that money is being invested at. For us to change that investment, we have to update the advice to reflect. So it's it's kind of like you we make the decision for you and tell you what we're gonna do with the funds, but you get to decide whether you're comfortable with that decision or not. And we still have to update the advice to make you aware of the changes and things like that. So I did you want me just to update an investment only advice document now just to remove that along for you and put something else in its place and kind of make sure you're staying invested? Or yeah. Yeah. That's okay. Yeah. Yeah. No. That's okay. I mean, I'm more than happy to do that if you're comfortable with me. I can just do an investment only document, which basically scopes everything else out. We just I just look at the investments within the portfolio there, remove that along, and put something else in its place that's had a better past performance and will work better for you. And I could also look at this maybe rebalancing the investments as well to make sure you're still invested in line with that kind of risk profile that we had you in. I'll obviously look at the tax consequences because when we buy and sell investments inside super, your super fund still does a tax return for you inside super. So I can minimize the CGT consequences and maybe remove that out and put something else in place and just do a bit of a rebalance for you and provide the updated advice. Would you like me to do that now for you? Yeah. Is there anything else kind of interest wise that you wanted to see in your portfolio, or you're sort of happy with whatever we decide making sure that, you know, we're looking after you? Yep. Yeah. Yeah. Absolutely. Yeah. Yeah. I mean, the other option is if you wanted me just to hold off on doing any advice for now, we can do a catch up in June where we can talk about the contributions that have been going in, look at the caps. We can talk about maybe restructuring the super. We can restructure maybe the the investments as a whole, and I can incorporate to a limited extent the retirement aspect. So I can show you what the recommendations are and what we wanna do to change your portfolio now, but then also show you over the you know, in the next six years what this might look like for you at the age of 62 and where we should be tracking and how long super should last you from 62 onwards based on those recommendations. It is a much bigger advice piece to do, but I'm more than happy to do that for you. That is part of my job, making sure that we're looking that far ahead and taking into account your retirement aspect. Would you like to do just the investments now, or did you want me to do a bigger advice piece with you in June and really nut down what your goals are moving forward and look at the retirement aspect for you? The second one? Yeah. Perfect. It's really important that we do consider that because you are six years away, and there's a lot of time between now and six years. A lot can happen, but at the same time, as you said, you're getting closer to retirement. It's important to think about what this looks like for you, and we can factor in the increase, the contributions, maybe alter the portfolio a bit. I can even look at, you know, look at the super fund the way we did last time, maybe look at cheaper super funds or something. But then also look at, in six years' time, based on my recommendations, what does this look like for you? And when you start drawing an income out of super, how long is super expected to last? You know, are you then eligible for age pension? And, you know, what can we do to kind of make sure everything lasts a long time? Because once you get to 60 or 62 and you do retire, you still normally have about twenty to thirty years in retirement that you have to be able to draw income out for. So longevity past that point is also really important to factor in, and that's something that I do a lot of here. So yeah. Yeah. Absolutely. Well, I'll tell you what I'll do. I will not do anything right now. I will send you the email with information, the contributions. I'll put a little thing in my calendar. One of my beautiful admin team, Michelle, will probably touch base early June. We'll book you in for a catch up chat. We can go through, reevaluate everything, have a really good look at what your goals are. It also gives you a bit of time between now and then to think about what your retirement looks like for you, what kinda income you might wanna live on on a weekly or monthly basis, and what what you wanna do in those retirement years, how do you wanna spend those years, and then we can formulate a tailored advice document, personal advice on what that looks like, change the investments, maybe look at the super fund, and look at the long term retirement aspect for you as well. Okay? Yep. Perfect. All good. Is did you have any other questions that you wanted to ask while you do have me here? Have I answered those ones sufficiently? Do you yeah. Perfect. Perfect. Beautiful. Well, if there is anything else that you think of, I'll you'll have my email address, and I'll send you that email shortly this afternoon. And you can always email me back, and we can touch base. And I'll make a point that June we touch base again, and we sort of reevaluate all the advice for you. Okay? Easy. Not a problem at all. I hope you yeah. Yeah. That's okay, Jamie. If you're ever concerned about anything, let me know. That's what we're here for. I will always make time to touch base with you and answer any questions you have. Okay? My pleasure. Have a safe flight. Have a good afternoon and lovely rest, and I'll get that email out to you shortly. My pleasure. See you later. 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Jamie. This is Dana from Oakview Financial. How are you today? I'm very well. Thank you.\n\nI had you pulled in for a bit of a follow-up chat today. Isn't this still a good time there for you? Yeah. Beautiful. How's your day been so far?\n\nOh, wow. Yeah. Nice. Home for a bit of a rest and hopefully a decent sleep this afternoon. All all good.\n\nI was trying not to take up too much of your time there, Jamie. Just to good double check before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And just to do security there with you as well, we are discussing your personal information.\n\nI'll just get you to confirm your full name, your date of birth, and address I should have on file. Yep. Yep. Perfect. Thank you so much for that.\n\nAnd happy birthday for last month. Did you get any time off or do anything special, or you just sort of went through it? Yeah. They they they hit differently as you get a bit older, don't they? I understand that.\n\nNo. All good. Jamie, having a bit of a look here, I can see when you spoke to my colleague, Samantha, you had some questions about possibly using some unused concessional cap. You had, I believe, about 49,000 unused cap space. What sort of questions can I help you with?\n\nYep. Yeah. No. You absolutely can. And that that can be completed by salary sacrifice.\n\nIf you are increasing your salary sacrifice in order to use up the unused cap space from previous years, you just need to be very careful. Essentially, if your balance goes over that $500,000 mark as at the June 30 any financial year, then you lose access to those previous cap years. And the other thing to consider is if you're salary sacrificing and you use up all the cap space, you don't wanna keep salary sacrificing. You wanna be able to reduce that back a little bit. So yeah.\n\nIf you wanted to, we could always look providing some personal advice for you around that to maybe make a recommendation to utilize the cap space and show you what that looks like, the advantages, disadvantages, risks involved to kinda help you make the decision as you are getting close to those retirement years as well. Yeah. Yep. Yep. That's okay.\n\nYep. Yeah. That's absolutely fine. If you're comfortable just doing that, you don't wanna receive personal advice, that's not a problem at all. You can just switch your employer, increase that as you'd like to.\n\nDown the track as we sort of catch up, it is important that we review things with you and just make sure you don't exceed those caps in saying that. Every couple of years, they are hoping to kind of increase the cap a little bit by around 2,500. So there's it's supposed to. Yeah. There's no real confirmation that it's actually happening yet, but it is something I'm definitely keeping an eye on because it is supposed to increase this year.\n\nIt says the $32,500, so we'll just keep an eye on that. Yeah. It is. Yeah. It does look on your gross contribution.\n\nSo as much as your contributions go in there from your employer and 15% tax is deducted out of that contribution, the amount your employer puts in there. So say if you get $2,000 in SDC contributions, they account that $2,000, not the fifth not the difference between the tax. So it is gross contribution rate that is added to your caps. Yeah. That that it would be nice if they didn't consider that taxation side of things.\n\nIt would give us a little bit of leeway, but, unfortunately, I see it's all coming tax is always a part of it, isn't it? Yeah. No. But at the same thing, like, with your with your income. So when you look at your assessable income, your assessable income is considered your gross income, not the you know, and you your taxes worked out on that.\n\nSo it's exactly the same sort of thing. Same scenario. Yeah. Yeah. All good.\n\nSo you're that's okay. So you're comfortable just letting your employer know that wanna increase your contributions? Yep. Yep. That's okay.\n\nIf you ever do have any questions or wanna maybe have a chat to me or get me to review that and provide that personal advice, you absolutely can. You have me here. You may also utilize me to the full extent. It's not a problem at all. Okay?\n\nYeah. Yeah. Correct. No. No.\n\nIt's definitely not. So you're an ongoing service client, which means you pay the ongoing service fee, and that allows you and entitles you to additional advice. Order for us to provide advice, we do need to obviously update all of your circumstances. We go back and do in-depth research around providing the advice, and that way we'd give you an advice document sort of like what you've received in the past. And then you get to decide whether you take the advice or not.\n\nThere's never you're never obligated to take on the advice we do provide, but there's no additional cost as an ongoing client for advice documents. It's all part of the fees you pay. Yeah. Yeah. That's okay.\n\nYeah. You're fine. If you're if you're comfortable taking like, doing that, you can speak to your employer. Let them know if you have any struggles or feel like it might be a bit uneasy or have additional questions, then you can always come back and talk to me. Advice doesn't always have to be personal.\n\nIt can just be general in nature. I can give you information. There's lots of other areas that we can touch base on, and we'll check-in and do catch ups and any reviews with you as we do anyway. So you can always flag anything, or if we see contributions because we see the contributions coming into Netwealth as well. So we can always flag if we feel like you're getting closer to your cap space and, you know, need to review things with you as well.\n\nYeah. Perfect. The other note I had here was that you wanted to have a bit of a chat about the market and maybe your risk profile. Does that ring a bell? Yeah?\n\nMhmm. Yeah. Yep. No. That's okay.\n\nAbsolutely. Good question. Well, to kind of sort of look at that for you, and one of the things I have been looking at is essentially what's called the VIX index, and that's sent to is that essentially tracks investor concern in the markets and the type of volatility that we are sort of expected to look at. At the moment, it's sitting at about 24%. Anything on the VIX index over 20% means that there is a bit of concern around the markets.\n\nInvestors are a bit wary, and they are expecting some ups and downs, some volatility to occur. Are a bit wary, and they are expecting some ups and downs, some volatility to occur. Anything under that kind of 20% sort of is spent to talk about stability. When I have a look at that, it is sitting at 24.92 at the moment, but it's not at its highest point. It was actually up even higher, and over the last sort of day, it's dropped by about 13%.\n\nSo whilst we are expecting a bit of volatility there, you know, investor concern within the market is definitely taking a bit of a dip. It's not you know, investor concern is is stabilizing a little bit at the moment. That could change. I do wanna sort of point out that I do expect market volatility over the next few months to be a thing. We are gonna see those ups and downs, but it's also about diversifying your portfolio, making sure that you are taking a little bit less risk in the market when you need to and making sure you're spreading your risk level.\n\nSo one of the big things we do wanna look at is, like, if equities don't do so well over the next few months, you've also got assets like gold in your portfolio, which is there to kind of mitigate. Gold is a growth investment, but it's also in your portfolio to act defensively. And history has shown that when equities don't do so well, so when businesses and companies on the ASX are are down significantly, people put money into gold as a bit of a safe haven there. And your portfolio, having a look at the last twelve months, so from this time last year to now, your portfolio has still seen 11.45% return. So you're still seeing a very good return even with the ups and downs that we have definitely seen.\n\nOne of your investments within your portfolio, then along Australian equities, that is down a little bit more. We do wanna maybe look at removing that out of the portfolio at some point as well. But you're in also more of a balanced growth environment. Because remember, back in sort of 2023, we did reduce your risk level significantly. So that that you know, sort of in the highest risk level.\n\nAnd in a balanced growth environment, you normally see about sort of 70% of your funds invested in growth assets. So, like, Australian shares, international shares, listed property, and also commodities like the gold and silver aspect. And then the other defensive investments, things like cash, bonds, and fixed interest, you normally then see around about sorry. Around about sort of 40 30% invested in that area to kind of provide some lower risk investments as well. So you it looks like you are pretty well invested across the board.\n\nYou do have good diversification in there. Your portfolio has been a fairly decent return. And what we sort of wanna do is we wanna limit selling things when the market is down as much as possible. Essentially, you know, by selling at investments when they are seeing a bit of a dip, but when they are down is cementing losses. And if we continuously do that over time, we actually don't make much of a profit.\n\nWe don't we end up just cementing all the downtimes, and our super doesn't have a chance to grow. But if you're looking to keep salary sacrificing and maybe increase net in, even when we do see this volatility in the ups and downs in the market over over the next couple of months, you're putting regular contributions in there. You'll get to take advantage of those downtimes as well in those certain investments. So where investments might be lower, might have seen a bit of a downturn, you putting money in at those particular points in time, meaning that when the market comes out, you've bought into the dip into the discount at the time. And as the market recovers out, as that investment recovers out, you actually do gain a little bit.\n\nIt can reduce your buy pricing, and it can provide you with a greater return as the market recovers out as well. So yeah. Yeah. It's about sort of looking at the way the way the market is, the way you are invested, and utilizing downtime to your advantage as well. As long as you're comfortable with the, you know, the portfolio you're in, you're happy to sort of wait out, you're not gonna retire in the next couple of years, then, realistically, you know, you you do have that time horizon ahead of you to sort of withstand those downtimes and keep investing through it.\n\nIt's always a good always a good scenario. Yeah. Did you want me to maybe do a risk profile with you and just reevaluate the market and where it's at, or did you wanna sort of sit tight for maybe a couple of months and we do a catch up in maybe three months and see what the end of financial year brings for us? Or yep. Yeah.\n\nYep. Yep. That's okay. And how do you look? Are you I know you told my colleague Smith that you were sort of hoping to access super, maybe retire around age 60 or 62.\n\nIs that still when you'd like to access your super? Okay. Yep. Okay. Will that affect your income or your earning capacity at that time, or will you still sort of be on the same income?\n\nBecause you'll be doing full weeks as well, won't you? Yep. Yep. Perfect. No.\n\nThat's okay. When you do hit 60, there's other sort of strategies that we can look at as well. One of those is more called a transgender time and strategy where you can be increasing your contributions in the super to maximize the caps as much as possible. But then because it's reduced your take home pay, we're able to, under the rules, access a little bit of money out of super. It works really well because you're keeping the same take home pay as much as you possibly can.\n\nYou're putting more into super, so your super is benefiting from those extra contributions. And then you you are you paying less income tax overall because the money we can draw at to supplement your income is tax free. So there are those advantages to those sorts of strategies. And when you turn 60 or when you get closer to 60, we could definitely maybe have a bit more of a chat around that and look at what kind of benefit that may provide as well for you. Yeah.\n\nYep. Okay. Yep. Yep. Yeah.\n\nThat's it definitely can do. So the way the catch up contributions work is that, essentially, you need to utilize this year's cap space first, and that sort of triggers the bring for the carry forward rule. So once you've completed you've put the the $430,000 in for this financial year, then it lets you start using the previous financial year's cap. It sort of triggers it, and that's when you kinda go back. You utilize the oldest year's cap first, and it kinda works forward from there.\n\nSo you can absolutely do a 5,000 per year if you want to. It just means that if you don't if you don't use all of the previous year, once we get to the July 1, the oldest year is no longer available. So yeah. Yep. Perfect.\n\nYep. Yep. Yep. Yeah. Yep.\n\nI'll just have a quick I can just pull up the details of your income there to kinda give you a bit of a guide if you like. So you're on about 130 at the moment. What's your income currently? One 30 three. Yep.\n\nYep. And do you receive employer contributions on the bonus as well, or is that just on your base income? Just on your base. Okay. So we're working on the 133.\n\nYep. So so a 133,000 salary annually there. Let's just your employer contributions are 12%. Do you know are they paying anything higher over that 12? Nope.\n\nNope. It's okay. That's okay. Definitely have a look at your contract because you work for BHP, don't you? Yeah.\n\nJust double check with your employer to make sure that you're not essentially being paid more than that 12% because that can increase how much you get. Yeah. Mhmm. Double that's okay. Double if you've got your employment contract there, have a bit of a look at it.\n\nIf not, double check with your payroll when you kinda go and talk to them to see if there's anything over that 12%. What are you self sacking at the moment? 540 per fortnight? No worries at all. I'll just update that.\n\nBeautiful. Sorry. I just had on here $4.40 per week. So 540 per fortnight. Yep.\n\nPerfect. So having a look at that at the moment, total contributions, this is just based on the 12% there, and the current salary sacrifice on a fortnightly basis. It shows that current in current employer contributions altogether will be around what are we looking at? So employer sorry. My computer's a little bit slow.\n\nIt's thinking about it. Employer contributions at 12% based on your income is 15,960. And then just spinning, adding in this the fortnightly salary sacrifice there as well. Yep. Perfect.\n\nThat adds an extra 14,040 in contributions. Zero. Yeah. Perfect. So plus $6.00 plus $14.00 $4.00.\n\nSo that brings you up to the $30,000 cap. So that's essentially your current employer contributions plus your current salary sacrifice will maximize the cap, which means that anything you put in over and above your current sales cycle employer will essentially be used in the will be added or taken from the carry forward rule. So once you get to the end of the financial year, they've got all your contributions in there. It should trigger the carry forward. And you can be putting that in there.\n\nYou don't have to wait. It's more just about making sure that when the ACO at the end of the financial year get reported all the contributions that have gone in, they'll look at that and go, hey. You've exceeded the cap. But that's okay. Last financial year, June 30, your balance is under 500 k.\n\nYou had access to carry forward. This is your, you know, most long this is the what you had available five years ago. This is what you were able to use over and above the cap to trigger the bring it forward rule. So it's kinda just a bit of a process, but you can start salary sacrificing that now to sort of keep an eye on it, just sort of make sure that you are looking at your myGov maybe on, you know, a regular basis just to sort of see. It doesn't get updated all the time.\n\nI tend to check those things around about tax time when I know things are actually getting updated by the ACO and just keeping an eye on your contributions going. And I think last year, I sent you that my pay calculator as well. Did you get that email through? Yeah. You can always use that tool as well just checking on, you know, what it looks like, the contributions going in, adding them up a little bit.\n\nAnd as I said, you know, if Netwealth, we get lists of contributions and things like that. The super funds tend to sort of flag when contributions are getting close to the cap as well. So we can definitely, you know, give you a call and sort of catch up with you if if we feel like it's getting too close to the cap. But, yeah, if you're comfortable going ahead with that, there's nothing wrong with that. Getting as much money into super now is definitely a benefit because you do are about six years out from where you wanna retire.\n\nSo Yeah. Yep. Yep. So then if we're utilizing you, do you wanna sort of cap out that 7,000 for the first year? Mhmm.\n\nYeah. And you're wanting that's okay. Are you kind of wanting to cap it out by the end of the financial year this year, or you kinda wanting to break it down a little bit more? Yep. Yep.\n\nThat's okay. So if we work on, say, 5 thousand. Yeah. Yeah. Absolutely.\n\nSo you mentioned before, you've got the $7,000 cap in the oldest financial year available, but you said you were sort of hoping to do 5,000 extra contributions. Is that what you're after, the 5,000? Yep. So if we sort of divide that and you make that, you get paid fortnightly. Yeah.\n\nYeah. Perfect. So dividing that and making it fortnightly for you, so roughly twenty six weeks in a year fortnight. So it's about a $192.31, say. That is correct.\n\nYeah. I'm gonna multiply that. Of your income, 30 one. Yep. So it works out to be around about it's definitely it's, like, point 14% of your income based on that.\n\nBut I don't know if your employer wants it to be if your employer wants it to be, like, the percentage as a whole including your color color and service sacrifice, or do they want just the increase in that as a percentage against your income? Yep. Yep. Okay. Yeah.\n\nYep. It might be. Yeah. It might just increase it slightly. Yeah.\n\nYep. The other option is if it's gonna be easier, the other option you can always do it as what's called a deductible contribution where you don't get your employer to put it in by way of salary sacrifice. You would, out of your income, take that money every week for that month, or you can just put it away and do it as a lump sum at the end of the financial year. And you just deposit that money from your bank account into super. It's it goes in.\n\nThis is a non concessional contribution, and then at the end of the financial year, you can claim a notice of intent. That notice of intent basically changes the changes the contribution type to that concessional. It gets added to your concessional caps there, and they do the then deduct the 15 percent. It's just another way of doing it. With claiming it that way, you then can take that notice of intent or the the the they give you, like, a letter for the notice of intent.\n\nYou take that back to your accountant, and you let them know that you you've made some extra contributions to super. You wanna claim them as a tax deduction, and the amount you can put into super becomes a tax deduction for you on your personal income tax return. So that's another way of doing it if you wanted to do it. That way, you don't have to kinda tell your employer what percentage of your income to e increase it to. You can also keep an eye on it.\n\nYou can do it on a regular basis in the super, and we can always send you the the details for making that deposit, either sort of ETF or b pay, however is preferable to yourself. And, yeah, you can do it as a deductible contribution if you wanted to. It's just a a little bit of a different way of doing it and utilizing that that cap space a little bit. Yeah. I've got a few things to think about.\n\nYeah. Did you want me to send you an email? I can give you just a little bit of a breakdown on kind of the deductible contribution versus the sales stack, and you can kind of just mull your eyes over it. Yep. Yep.\n\nYeah. Yeah. No. Definitely. Well, one of the good things about, I mean, the main sort of difference between the two is that the salary sacrifice comes out of your pretax income, and it's done with your employment.\n\nSo you don't kind of have to think about making the contribution. And if you are quite time poor or don't like to log in to your account, it can be the easiest way to do it. Yeah. Yeah. And that's completely fine.\n\nThe other way of doing it with that deductible contribution, essentially, you're putting that 5,000 in as a lump sum or on a regular basis over time. It sits in there as a non concessional contribution. So an after tax contribution sits in your tax free component. Once we claim that notice of intent, it changes the way the contribution is made. But then when you go back, you tell your employee you've made so you tell your accountant you've made that $5,000 contribution.\n\nYou've claimed it as a under the notice and that you wanna deduct it from your income, and they can utilize that 5,000 as a deductible on your personal tax return. So this is a different way of doing it. They have different pros and cons and advantages, but it also comes down to what's comfortable for you as well. Do you wanna be making that contribution manually, or is it easy to have it done as part of your employer contributions? That way, you don't have to think about it at the same time.\n\nSo yep. Yeah. Yep. Yeah. Absolutely.\n\nOh, absolutely. Absolutely. I do like with the deductible contribution, you can claim it back on your tax return, but there is that manual side to it. On par, they've both got the 15% tax deducted out when the contribution, you know, is put in, whether it's done now or at tax time. You still pay 15% tax.\n\nYou still have the money invested, which is kind of great. Either way, you're putting extra money into super. And doing that now rather than waiting for four years down the track, the compounding effect is much greater. So yeah. Definitely.\n\nYeah. Did you want me just to send you that email with the two or if you kind of made up your mind? Yeah? Yep. Yeah.\n\nBeautiful. Absolutely. Well, let me know. You'll have my email there as well. So you're welcome to email me back if you have additional questions or if you wanna get that go down the personal advice route.\n\nAbsolutely happy to help you with that. In the meantime, if you like, we can just leave everything as it is for the moment. We can do a catch up kind of around about June if you like just to see how things are tracking and maybe looking at updating the advice side of things for you because you are tracking towards retirement. So we could always look to update the advice and maybe focus on retirement aspect and see where we're tracking what it looks like and what we can maybe do if there's anything to alter at that time. Does that sound like something you'd like to do then?\n\nYep. Beautiful. Possible advice conversation around about June, and then if we can always touch base on how those contributions are going for you as well. Okay? Yep.\n\nPerfect. Well, good. Have absolutely. Yes. Yep.\n\nSo at the moment, our ongoing service fees are 1.65% per annum. At the moment, they cap it the balance is 600,000. We are looking to change the fee very soon. However, when that comes into play, essentially, the higher your balance get, the lower your ongoing percentage becomes. So when that changes, we'll we'll come back, and I'll have a conversation with you and show you what that looks like.\n\nBut at the moment, under the current fee structure you have, you pay 1.65% per annum. That is capped at balances of 600,000. The 1.65% is deducted in small monthly increments as well, so it is essentially attached to the performance of your super. So when your super is doing really well, when you're getting a great 11% return, then it does mean the amount we're getting is a little bit higher. However, if the mark was to take a bit of a dip, if we did see the market start because of what was happening in the world generally, then it means that our fee takes a bit of a dip there with it as well.\n\nSo we're not charging you the same amount every month regardless of the performance of your super. So it is linked to the performance in a way as well. Does that make sense? Yeah. Well, the the idea is in what we're sort of wanting to see is we're wanting to make sure that the that with your super that we make that 1.65%, but then you get additional on top of that.\n\nSo the return I just gave you before is net of fees. So you've had, in the last twelve months from last year to now, an 11.45% return. As a dollar figure, you've made in gross and income $37,531. And that's after all the fees and rebates and costs have come out, so it's after your fees. So whilst our fee has come out of the super, you've also made a really good return on top of that.\n\nYeah. Yeah. And the idea of having us they obviously we are as financial advisers, we are a service that we are here for you to utilize. So it does mean that we do wanna update the advice, reevaluate the investments that you know, when time comes as well, and provide additional advice to you. There's no extra cost to the advice we do provide.\n\nThat's all part of being an ongoing service client as well. So making sure you're getting value, helping you in whatever way we possibly can, reviewing the investments, your risk profile, helping you with additional advice when need be as well. Does that make a little bit more sense? Yeah. Yep.\n\nYeah. Yeah. Yeah. Well, as I kinda mentioned, we do wanna maybe update the advice this year just to kinda reflect some of the investments in there are doing really well. Some of them are a little bit down.\n\nSo we might watch to see if there's maybe some changes to be made. One of the investments you have in your portfolio at the moment is the Benelong Australian Equities. When you came on board, that was put in there to give you a little bit of the active management component in there. Bennelong is something we do wanna look at maybe removing out of the portfolio. It, like last year, has had a bit of an issue with one of its underlying investments.\n\nCorporate Traveler was one of their companies that they had invested in through the fund. They had been a bit dishonest to the market. It had come out, and it meant that Benelongs had to reevaluate that portion of their investments. They kind of haven't really done a lot of active management in there in the past. They've kind of hold held on to everything.\n\nBut our investment committee have kind of looked at this investment option and gone, look. It might be time to maybe move people out of it. It's not it's being downgraded as an investment. And in your portfolio, whilst you're up 11%, that one investment is down a little bit as well. So this year, we are trying to move everyone out of Bennelong and put something in its place.\n\nBecause you've had a great return, you are looking to put more money into super. Happy to keep it there for just another few months. But when we catch up in June, I definitely like to maybe look at the portfolio, maybe look at restructuring some things, and just seeing what the market looks like at that time for you. Okay. We do.\n\nWe still have to update the advice to reflect those sorts of changes. If you wanted me to now just do an advice document, I can just do one now just to remove that along and put something in its place and provide that. We just can't move that investment out without updating the advice structure, and that's because the advice documents we've provided in the past have outlined what investments we're investing your money in and what percentage that money is being invested at. For us to change that investment, we have to update the advice to reflect. So it's it's kind of like you we make the decision for you and tell you what we're gonna do with the funds, but you get to decide whether you're comfortable with that decision or not.\n\nAnd we still have to update the advice to make you aware of the changes and things like that. So I did you want me just to update an investment only advice document now just to remove that along for you and put something else in its place and kind of make sure you're staying invested? Or yeah. Yeah. That's okay.\n\nYeah. Yeah. No. That's okay. I mean, I'm more than happy to do that if you're comfortable with me.\n\nI can just do an investment only document, which basically scopes everything else out. We just I just look at the investments within the portfolio there, remove that along, and put something else in its place that's had a better past performance and will work better for you. And I could also look at this maybe rebalancing the investments as well to make sure you're still invested in line with that kind of risk profile that we had you in. I'll obviously look at the tax consequences because when we buy and sell investments inside super, your super fund still does a tax return for you inside super. So I can minimize the CGT consequences and maybe remove that out and put something else in place and just do a bit of a rebalance for you and provide the updated advice.\n\nWould you like me to do that now for you? Yeah. Is there anything else kind of interest wise that you wanted to see in your portfolio, or you're sort of happy with whatever we decide making sure that, you know, we're looking after you? Yep. Yeah.\n\nYeah. Absolutely. Yeah. Yeah. I mean, the other option is if you wanted me just to hold off on doing any advice for now, we can do a catch up in June where we can talk about the contributions that have been going in, look at the caps.\n\nWe can talk about maybe restructuring the super. We can restructure maybe the the investments as a whole, and I can incorporate to a limited extent the retirement aspect. So I can show you what the recommendations are and what we wanna do to change your portfolio now, but then also show you over the you know, in the next six years what this might look like for you at the age of 62 and where we should be tracking and how long super should last you from 62 onwards based on those recommendations. It is a much bigger advice piece to do, but I'm more than happy to do that for you. That is part of my job, making sure that we're looking that far ahead and taking into account your retirement aspect.\n\nWould you like to do just the investments now, or did you want me to do a bigger advice piece with you in June and really nut down what your goals are moving forward and look at the retirement aspect for you? The second one? Yeah. Perfect. It's really important that we do consider that because you are six years away, and there's a lot of time between now and six years.\n\nA lot can happen, but at the same time, as you said, you're getting closer to retirement. It's important to think about what this looks like for you, and we can factor in the increase, the contributions, maybe alter the portfolio a bit. I can even look at, you know, look at the super fund the way we did last time, maybe look at cheaper super funds or something. But then also look at, in six years' time, based on my recommendations, what does this look like for you? And when you start drawing an income out of super, how long is super expected to last?\n\nYou know, are you then eligible for age pension? And, you know, what can we do to kind of make sure everything lasts a long time? Because once you get to 60 or 62 and you do retire, you still normally have about twenty to thirty years in retirement that you have to be able to draw income out for. So longevity past that point is also really important to factor in, and that's something that I do a lot of here. So yeah.\n\nYeah. Absolutely. Well, I'll tell you what I'll do. I will not do anything right now. I will send you the email with information, the contributions.\n\nI'll put a little thing in my calendar. One of my beautiful admin team, Michelle, will probably touch base early June. We'll book you in for a catch up chat. We can go through, reevaluate everything, have a really good look at what your goals are. It also gives you a bit of time between now and then to think about what your retirement looks like for you, what kinda income you might wanna live on on a weekly or monthly basis, and what what you wanna do in those retirement years, how do you wanna spend those years, and then we can formulate a tailored advice document, personal advice on what that looks like, change the investments, maybe look at the super fund, and look at the long term retirement aspect for you as well.\n\nOkay? Yep. Perfect. All good. Is did you have any other questions that you wanted to ask while you do have me here?\n\nHave I answered those ones sufficiently? Do you yeah. Perfect. Perfect. Beautiful.\n\nWell, if there is anything else that you think of, I'll you'll have my email address, and I'll send you that email shortly this afternoon. And you can always email me back, and we can touch base. And I'll make a point that June we touch base again, and we sort of reevaluate all the advice for you. Okay? Easy.\n\nNot a problem at all. I hope you yeah. Yeah. That's okay, Jamie. If you're ever concerned about anything, let me know.\n\nThat's what we're here for. I will always make time to touch base with you and answer any questions you have. Okay? My pleasure. Have a safe flight.\n\nHave a good afternoon and lovely rest, and I'll get that email out to you shortly. My pleasure. See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hi, Jamie.","start":1.76,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.10716459527611732},{"text":"This is Dana from Oakview Financial.","start":2.3999999,"end":4.08,"sentiment":"neutral","sentiment_score":0.1542473721007506},{"text":"How are you today?","start":4.08,"end":5.06,"sentiment":"neutral","sentiment_score":0.19142381101846695},{"text":"I'm very well.","start":7.2,"end":8.08,"sentiment":"positive","sentiment_score":0.5266433556874593},{"text":"Thank you.","start":8.08,"end":8.48,"sentiment":"positive","sentiment_score":0.6181304752826691}],"sentiment":"neutral","sentiment_score":0.2777470402857837,"num_words":17,"start":1.76,"end":8.48},{"sentences":[{"text":"I had you pulled in for a bit of a follow-up chat today.","start":8.48,"end":10.719999,"sentiment":"neutral","sentiment_score":0.1824786250407879},{"text":"Isn't this still a good time there for you?","start":10.719999,"end":12.82,"sentiment":"neutral","sentiment_score":0.11556204780936241},{"text":"Yeah.","start":13.485,"end":13.985,"sentiment":"neutral","sentiment_score":0.18132823705673215},{"text":"Beautiful.","start":14.125,"end":14.625,"sentiment":"positive","sentiment_score":0.5304161906242371},{"text":"How's your day been so far?","start":14.925,"end":16.705,"sentiment":"neutral","sentiment_score":0.2797141298651695}],"sentiment":"neutral","sentiment_score":0.19341032542288303,"num_words":30,"start":8.48,"end":16.705},{"sentences":[{"text":"Oh, wow.","start":20.845,"end":21.744999,"sentiment":"neutral","sentiment_score":0.1718311384320259},{"text":"Yeah.","start":22.765,"end":23.244999,"sentiment":"neutral","sentiment_score":0.2560881972312927},{"text":"Nice.","start":23.244999,"end":23.744999,"sentiment":"positive","sentiment_score":0.4549062252044678},{"text":"Home for a bit of a rest and hopefully a decent sleep this afternoon.","start":23.805,"end":26.785,"sentiment":"positive","sentiment_score":0.4289505460432598},{"text":"All all good.","start":29.460001,"end":30.820002,"sentiment":"positive","sentiment_score":0.3600200414657593}],"sentiment":"positive","sentiment_score":0.3876202127763203,"num_words":21,"start":20.845,"end":30.820002},{"sentences":[{"text":"I was trying not to take up too much of your time there, Jamie.","start":30.820002,"end":33.48,"sentiment":"neutral","sentiment_score":0.018918903278453008},{"text":"Just to good double check before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes.","start":33.940002,"end":40.420002,"sentiment":"neutral","sentiment_score":0.0932924410811177},{"text":"Are you happy for me to proceed with that?","start":40.420002,"end":42.52,"sentiment":"neutral","sentiment_score":0.17082935820023218},{"text":"Beautiful.","start":43.675,"end":44.155,"sentiment":"positive","sentiment_score":0.35824984312057495},{"text":"And just to do security there with you as well, we are discussing your personal information.","start":44.155,"end":47.914997,"sentiment":"neutral","sentiment_score":0.08976227743551135}],"sentiment":"neutral","sentiment_score":0.09127867255193084,"num_words":67,"start":30.820002,"end":47.914997},{"sentences":[{"text":"I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start":47.914997,"end":52.015,"sentiment":"neutral","sentiment_score":0.07278833892196417},{"text":"Yep.","start":55.050003,"end":55.550003,"sentiment":"neutral","sentiment_score":0.02979241870343685},{"text":"Yep.","start":60.81,"end":60.97,"sentiment":"neutral","sentiment_score":0.07518712431192398},{"text":"Perfect.","start":60.97,"end":61.47,"sentiment":"positive","sentiment_score":0.34495383501052856},{"text":"Thank you so much for that.","start":61.61,"end":63.29,"sentiment":"positive","sentiment_score":0.3733852605024974}],"sentiment":"neutral","sentiment_score":0.14296592136138472,"num_words":29,"start":47.914997,"end":63.29},{"sentences":[{"text":"And happy birthday for last month.","start":63.29,"end":65.55,"sentiment":"neutral","sentiment_score":0.25364293654759723},{"text":"Did you get any time off or do anything special, or you just sort of went through it?","start":67.865,"end":71.965,"sentiment":"neutral","sentiment_score":-0.1322900644607014},{"text":"Yeah.","start":73.465,"end":73.865,"sentiment":"neutral","sentiment_score":-0.04096333682537079},{"text":"They they they hit differently as you get a bit older, don't they?","start":73.865,"end":77.945,"sentiment":"neutral","sentiment_score":-0.08387161504763824},{"text":"I understand that.","start":77.945,"end":79.325,"sentiment":"neutral","sentiment_score":-0.04471882929404577}],"sentiment":"neutral","sentiment_score":-0.05182474052033773,"num_words":41,"start":63.29,"end":79.325},{"sentences":[{"text":"No.","start":80.579994,"end":80.82,"sentiment":"neutral","sentiment_score":-0.12351635843515396},{"text":"All good.","start":80.82,"end":81.71999,"sentiment":"neutral","sentiment_score":-0.06891093030571938},{"text":"Jamie, having a bit of a look here, I can see when you spoke to my colleague, Samantha, you had some questions about possibly using some unused concessional cap.","start":82.259995,"end":90.5,"sentiment":"neutral","sentiment_score":-0.05285934679980936},{"text":"You had, I believe, about 49,000 unused cap space.","start":90.5,"end":94.295,"sentiment":"neutral","sentiment_score":-0.059651474157969155},{"text":"What sort of questions can I help you with?","start":94.295,"end":96.555,"sentiment":"neutral","sentiment_score":-0.0259668520755238}],"sentiment":"neutral","sentiment_score":-0.051296484246850016,"num_words":50,"start":80.579994,"end":96.555},{"sentences":[{"text":"Yep.","start":100.455,"end":100.955,"sentiment":"neutral","sentiment_score":-0.04110115021467209},{"text":"Yeah.","start":110.47,"end":110.87,"sentiment":"neutral","sentiment_score":-0.03141913563013077},{"text":"No.","start":110.87,"end":111.03,"sentiment":"neutral","sentiment_score":-0.1055190935730934},{"text":"You absolutely can.","start":111.03,"end":112.23,"sentiment":"neutral","sentiment_score":-0.01703628400961558},{"text":"And that that can be completed by salary sacrifice.","start":112.23,"end":114.89,"sentiment":"neutral","sentiment_score":-0.05512942290968365}],"sentiment":"neutral","sentiment_score":-0.04835420250892639,"num_words":15,"start":100.455,"end":114.89},{"sentences":[{"text":"If you are increasing your salary sacrifice in order to use up the unused cap space from previous years, you just need to be very careful.","start":115.03,"end":121.905,"sentiment":"negative","sentiment_score":-0.3425256586991824},{"text":"Essentially, if your balance goes over that $500,000 mark as at the June 30 any financial year, then you lose access to those previous cap years.","start":122.524994,"end":132.45,"sentiment":"negative","sentiment_score":-0.4559125132285632},{"text":"And the other thing to consider is if you're salary sacrificing and you use up all the cap space, you don't wanna keep salary sacrificing.","start":133.41,"end":140.31,"sentiment":"neutral","sentiment_score":-0.24826969027519227},{"text":"You wanna be able to reduce that back a little bit.","start":140.45,"end":142.76999,"sentiment":"neutral","sentiment_score":-0.08554316142743285},{"text":"So yeah.","start":142.76999,"end":144.15,"sentiment":"neutral","sentiment_score":0.08744922652840614}],"sentiment":"neutral","sentiment_score":-0.30813567832940153,"num_words":90,"start":115.03,"end":144.15},{"sentences":[{"text":"If you wanted to, we could always look providing some personal advice for you around that to maybe make a recommendation to utilize the cap space and show you what that looks like, the advantages, disadvantages, risks involved to kinda help you make the decision as you are getting close to those retirement years as well.","start":144.45,"end":161.345,"sentiment":"neutral","sentiment_score":0.1460546295025519},{"text":"Yeah.","start":167.68001,"end":168.18001,"sentiment":"neutral","sentiment_score":0.015339110977947712},{"text":"Yep.","start":174.095,"end":174.595,"sentiment":"neutral","sentiment_score":0.051829904317855835},{"text":"Yep.","start":175.615,"end":176.115,"sentiment":"neutral","sentiment_score":0.122775100171566},{"text":"That's okay.","start":176.335,"end":177.235,"sentiment":"neutral","sentiment_score":0.22583355009555817}],"sentiment":"neutral","sentiment_score":0.1446011552098589,"num_words":61,"start":144.45,"end":177.235},{"sentences":[{"text":"Yep.","start":181.375,"end":181.875,"sentiment":"neutral","sentiment_score":0.1102285012602806},{"text":"Yeah.","start":184.175,"end":184.41501,"sentiment":"neutral","sentiment_score":0.2523329257965088},{"text":"That's absolutely fine.","start":184.41501,"end":185.455,"sentiment":"positive","sentiment_score":0.38953980803489685},{"text":"If you're comfortable just doing that, you don't wanna receive personal advice, that's not a problem at all.","start":185.455,"end":190.20999,"sentiment":"neutral","sentiment_score":0.20077776494953367},{"text":"You can just switch your employer, increase that as you'd like to.","start":190.26999,"end":194.20999,"sentiment":"neutral","sentiment_score":0.25774209822217625}],"sentiment":"neutral","sentiment_score":0.23537387996912001,"num_words":35,"start":181.375,"end":194.20999},{"sentences":[{"text":"Down the track as we sort of catch up, it is important that we review things with you and just make sure you don't exceed those caps in saying that.","start":194.51,"end":201.105,"sentiment":"neutral","sentiment_score":-0.03774843122810125},{"text":"Every couple of years, they are hoping to kind of increase the cap a little bit by around 2,500.","start":201.58499,"end":207.36499,"sentiment":"neutral","sentiment_score":0.01441024890855739},{"text":"So there's it's supposed to.","start":207.745,"end":210.885,"sentiment":"neutral","sentiment_score":0.017270909622311592},{"text":"Yeah.","start":210.94499,"end":211.44499,"sentiment":"neutral","sentiment_score":0.04334824159741402},{"text":"There's no real confirmation that it's actually happening yet, but it is something I'm definitely keeping an eye on because it is supposed to increase this year.","start":211.50499,"end":220.20999,"sentiment":"neutral","sentiment_score":0.07863898299358509}],"sentiment":"neutral","sentiment_score":0.017003623450674663,"num_words":82,"start":194.51,"end":220.20999},{"sentences":[{"text":"It says the $32,500, so we'll just keep an eye on that.","start":220.27,"end":224.37,"sentiment":"neutral","sentiment_score":0.07355513454725345},{"text":"Yeah.","start":224.67,"end":225.17,"sentiment":"neutral","sentiment_score":0.06926648318767548},{"text":"It is.","start":234.045,"end":234.525,"sentiment":"neutral","sentiment_score":0.04262130707502365},{"text":"Yeah.","start":234.525,"end":234.685,"sentiment":"neutral","sentiment_score":0.121964693069458},{"text":"It does look on your gross contribution.","start":234.685,"end":236.545,"sentiment":"neutral","sentiment_score":0.13745178282260895}],"sentiment":"neutral","sentiment_score":0.09223034281445586,"num_words":23,"start":220.27,"end":236.545},{"sentences":[{"text":"So as much as your contributions go in there from your employer and 15% tax is deducted out of that contribution, the amount your employer puts in there.","start":236.845,"end":245.61,"sentiment":"neutral","sentiment_score":0.10193232952484063},{"text":"So say if you get $2,000 in SDC contributions, they account that $2,000, not the fifth not the difference between the tax.","start":245.61,"end":254.505,"sentiment":"neutral","sentiment_score":0.04983182522383603},{"text":"So it is gross contribution rate that is added to your caps.","start":254.74501,"end":258.365,"sentiment":"neutral","sentiment_score":0.04684034843618671},{"text":"Yeah.","start":260.025,"end":260.525,"sentiment":"neutral","sentiment_score":-0.004219409078359604},{"text":"That that it would be nice if they didn't consider that taxation side of things.","start":261.14502,"end":265.14502,"sentiment":"neutral","sentiment_score":-0.16451149831215542}],"sentiment":"neutral","sentiment_score":0.026161508706326667,"num_words":78,"start":236.845,"end":265.14502},{"sentences":[{"text":"It would give us a little bit of leeway, but, unfortunately, I see it's all coming tax is always a part of it, isn't it?","start":265.14502,"end":270.80002,"sentiment":"neutral","sentiment_score":-0.23934049785137176},{"text":"Yeah.","start":270.86002,"end":271.36002,"sentiment":"neutral","sentiment_score":-0.048111692070961},{"text":"No.","start":275.66,"end":276.14,"sentiment":"neutral","sentiment_score":-0.1279204487800598},{"text":"But at the same thing, like, with your with your income.","start":276.14,"end":279.44,"sentiment":"neutral","sentiment_score":0.007781840183518149},{"text":"So when you look at your assessable income, your assessable income is considered your gross income, not the you know, and you your taxes worked out on that.","start":279.5,"end":287.515,"sentiment":"neutral","sentiment_score":0.018578944661255394}],"sentiment":"neutral","sentiment_score":-0.08414748325153734,"num_words":66,"start":265.14502,"end":287.515},{"sentences":[{"text":"So it's exactly the same sort of thing.","start":287.515,"end":289.355,"sentiment":"neutral","sentiment_score":0.0011593393282964821},{"text":"Same scenario.","start":289.355,"end":290.17502,"sentiment":"neutral","sentiment_score":0.03576139360666275},{"text":"Yeah.","start":290.635,"end":291.135,"sentiment":"neutral","sentiment_score":0.1157372146844864},{"text":"Yeah.","start":292.555,"end":293.055,"sentiment":"neutral","sentiment_score":0.19108712673187256},{"text":"All good.","start":293.675,"end":294.23502,"sentiment":"positive","sentiment_score":0.3612767457962036}],"sentiment":"neutral","sentiment_score":0.07929823820346169,"num_words":14,"start":287.515,"end":294.23502},{"sentences":[{"text":"So you're that's okay.","start":294.23502,"end":295.355,"sentiment":"neutral","sentiment_score":0.2646145522594452},{"text":"So you're comfortable just letting your employer know that wanna increase your contributions?","start":295.355,"end":299.17,"sentiment":"neutral","sentiment_score":0.2827877482542625},{"text":"Yep.","start":301.47,"end":301.95,"sentiment":"neutral","sentiment_score":0.26822584867477417},{"text":"Yep.","start":301.95,"end":302.27002,"sentiment":"neutral","sentiment_score":0.3008812367916107},{"text":"That's okay.","start":302.27002,"end":302.75,"sentiment":"positive","sentiment_score":0.4118705093860626}],"sentiment":"neutral","sentiment_score":0.2917879543134144,"num_words":21,"start":294.23502,"end":302.75},{"sentences":[{"text":"If you ever do have any questions or wanna maybe have a chat to me or get me to review that and provide that personal advice, you absolutely can.","start":302.75,"end":309.63,"sentiment":"positive","sentiment_score":0.3586714971682121},{"text":"You have me here.","start":309.63,"end":310.43,"sentiment":"positive","sentiment_score":0.37873781472444534},{"text":"You may also utilize me to the full extent.","start":310.43,"end":312.505,"sentiment":"positive","sentiment_score":0.36278927988476223},{"text":"It's not a problem at all.","start":312.505,"end":313.865,"sentiment":"positive","sentiment_score":0.43597519894440967},{"text":"Okay?","start":313.865,"end":314.365,"sentiment":"neutral","sentiment_score":0.1894853413105011}],"sentiment":"positive","sentiment_score":0.3670788720554235,"num_words":49,"start":302.75,"end":314.365},{"sentences":[{"text":"Yeah.","start":317.785,"end":318.185,"sentiment":"neutral","sentiment_score":0.03356204926967621},{"text":"Yeah.","start":318.185,"end":318.425,"sentiment":"neutral","sentiment_score":0.02354125678539276},{"text":"Correct.","start":318.425,"end":318.925,"sentiment":"neutral","sentiment_score":0.015239395201206207},{"text":"No.","start":319.945,"end":320.265,"sentiment":"neutral","sentiment_score":-0.23239345848560333},{"text":"No.","start":320.265,"end":320.505,"sentiment":"neutral","sentiment_score":-0.28213924169540405}],"sentiment":"neutral","sentiment_score":-0.08843799978494644,"num_words":5,"start":317.785,"end":320.505},{"sentences":[{"text":"It's definitely not.","start":320.505,"end":321.305,"sentiment":"neutral","sentiment_score":-0.29021625220775604},{"text":"So you're an ongoing service client, which means you pay the ongoing service fee, and that allows you and entitles you to additional advice.","start":321.305,"end":327.325,"sentiment":"neutral","sentiment_score":0.09657048934604973},{"text":"Order for us to provide advice, we do need to obviously update all of your circumstances.","start":328.0,"end":332.26,"sentiment":"neutral","sentiment_score":0.08751304016914219},{"text":"We go back and do in-depth research around providing the advice, and that way we'd give you an advice document sort of like what you've received in the past.","start":332.32,"end":340.695,"sentiment":"neutral","sentiment_score":0.15036111684708758},{"text":"And then you get to decide whether you take the advice or not.","start":341.17502,"end":343.815,"sentiment":"neutral","sentiment_score":0.1679417255979318}],"sentiment":"neutral","sentiment_score":0.11048195825561005,"num_words":85,"start":320.505,"end":343.815},{"sentences":[{"text":"There's never you're never obligated to take on the advice we do provide, but there's no additional cost as an ongoing client for advice documents.","start":343.815,"end":352.315,"sentiment":"neutral","sentiment_score":0.18738058775663377},{"text":"It's all part of the fees you pay.","start":352.375,"end":354.23502,"sentiment":"neutral","sentiment_score":0.16501854173839092},{"text":"Yeah.","start":354.375,"end":354.875,"sentiment":"neutral","sentiment_score":0.1518956571817398},{"text":"Yeah.","start":362.46,"end":362.96,"sentiment":"neutral","sentiment_score":0.15084022283554077},{"text":"That's okay.","start":364.78,"end":365.68,"sentiment":"neutral","sentiment_score":0.31873634457588196}],"sentiment":"neutral","sentiment_score":0.18769923235113556,"num_words":37,"start":343.815,"end":365.68},{"sentences":[{"text":"Yeah.","start":366.37997,"end":366.69998,"sentiment":"positive","sentiment_score":0.3502194881439209},{"text":"You're fine.","start":366.69998,"end":367.275,"sentiment":"positive","sentiment_score":0.4050734639167786},{"text":"If you're if you're comfortable taking like, doing that, you can speak to your employer.","start":367.275,"end":370.795,"sentiment":"neutral","sentiment_score":0.2635081559419632},{"text":"Let them know if you have any struggles or feel like it might be a bit uneasy or have additional questions, then you can always come back and talk to me.","start":370.795,"end":377.695,"sentiment":"neutral","sentiment_score":0.09345634209532891},{"text":"Advice doesn't always have to be personal.","start":377.755,"end":379.675,"sentiment":"neutral","sentiment_score":0.08064020904047149}],"sentiment":"neutral","sentiment_score":0.1531181575597397,"num_words":56,"start":366.37997,"end":379.675},{"sentences":[{"text":"It can just be general in nature.","start":379.675,"end":381.195,"sentiment":"neutral","sentiment_score":0.1266638274703707},{"text":"I can give you information.","start":381.195,"end":382.255,"sentiment":"neutral","sentiment_score":0.25714074075222015},{"text":"There's lots of other areas that we can touch base on, and we'll check-in and do catch ups and any reviews with you as we do anyway.","start":383.43002,"end":390.15002,"sentiment":"neutral","sentiment_score":0.2196861262674685},{"text":"So you can always flag anything, or if we see contributions because we see the contributions coming into Netwealth as well.","start":390.15002,"end":397.485,"sentiment":"neutral","sentiment_score":0.15986327223834537},{"text":"So we can always flag if we feel like you're getting closer to your cap space and, you know, need to review things with you as well.","start":397.72498,"end":404.865,"sentiment":"neutral","sentiment_score":0.1510411125642282}],"sentiment":"neutral","sentiment_score":0.17861051335074435,"num_words":87,"start":379.675,"end":404.865},{"sentences":[{"text":"Yeah.","start":406.04498,"end":406.54498,"sentiment":"neutral","sentiment_score":0.314998984336853},{"text":"Perfect.","start":407.16498,"end":407.66498,"sentiment":"positive","sentiment_score":0.5994322896003723},{"text":"The other note I had here was that you wanted to have a bit of a chat about the market and maybe your risk profile.","start":408.365,"end":416.62,"sentiment":"neutral","sentiment_score":0.0851657097041607},{"text":"Does that ring a bell?","start":416.76,"end":418.14,"sentiment":"neutral","sentiment_score":0.0022453337907791136},{"text":"Yeah?","start":418.52,"end":419.02,"sentiment":"neutral","sentiment_score":0.005332380533218384}],"sentiment":"neutral","sentiment_score":0.09273130503116232,"num_words":33,"start":406.04498,"end":419.02},{"sentences":[{"text":"Mhmm.","start":425.175,"end":425.675,"sentiment":"neutral","sentiment_score":-0.07703635096549988},{"text":"Yeah.","start":436.615,"end":437.115,"sentiment":"neutral","sentiment_score":-0.014863969758152962},{"text":"Yep.","start":437.57498,"end":437.97498,"sentiment":"neutral","sentiment_score":0.02754723839461803},{"text":"No.","start":437.97498,"end":438.215,"sentiment":"neutral","sentiment_score":-0.02791856788098812},{"text":"That's okay.","start":438.215,"end":439.03497,"sentiment":"neutral","sentiment_score":0.02662518620491028}],"sentiment":"neutral","sentiment_score":-0.006503546300033729,"num_words":6,"start":425.175,"end":439.03497},{"sentences":[{"text":"Absolutely.","start":440.32,"end":440.8,"sentiment":"neutral","sentiment_score":0.272379994392395},{"text":"Good question.","start":440.8,"end":441.44,"sentiment":"neutral","sentiment_score":0.1858835332095623},{"text":"Well, to kind of sort of look at that for you, and one of the things I have been looking at is essentially what's called the VIX index, and that's sent to is that essentially tracks investor concern in the markets and the type of volatility that we are sort of expected to look at.","start":441.44,"end":456.785,"sentiment":"neutral","sentiment_score":-0.004622357491065155},{"text":"At the moment, it's sitting at about 24%.","start":457.48502,"end":461.505,"sentiment":"neutral","sentiment_score":-0.02855741325765848},{"text":"Anything on the VIX index over 20% means that there is a bit of concern around the markets.","start":462.20502,"end":466.2317,"sentiment":"neutral","sentiment_score":-0.18717646681600147}],"sentiment":"neutral","sentiment_score":-0.03818712273745665,"num_words":84,"start":440.32,"end":466.2317},{"sentences":[{"text":"Investors are a bit wary, and they are expecting some ups and downs, some volatility to occur.","start":466.2317,"end":467.105,"sentiment":"negative","sentiment_score":-0.4940973082009484},{"text":"Are a bit wary, and they are expecting some ups and downs, some volatility to occur.","start":467.53998,"end":471.63998,"sentiment":"negative","sentiment_score":-0.36650452855974436},{"text":"Anything under that kind of 20% sort of is spent to talk about stability.","start":472.18,"end":476.84,"sentiment":"neutral","sentiment_score":-0.16392728952424868},{"text":"When I have a look at that, it is sitting at 24.92 at the moment, but it's not at its highest point.","start":477.69998,"end":482.895,"sentiment":"neutral","sentiment_score":-0.14951234488663348},{"text":"It was actually up even higher, and over the last sort of day, it's dropped by about 13%.","start":482.895,"end":488.035,"sentiment":"neutral","sentiment_score":-0.32780715492036605}],"sentiment":"neutral","sentiment_score":-0.29595987500901194,"num_words":87,"start":466.2317,"end":488.035},{"sentences":[{"text":"So whilst we are expecting a bit of volatility there, you know, investor concern within the market is definitely taking a bit of a dip.","start":488.095,"end":496.29,"sentiment":"negative","sentiment_score":-0.4529551458358765},{"text":"It's not you know, investor concern is is stabilizing a little bit at the moment.","start":496.85,"end":501.19,"sentiment":"negative","sentiment_score":-0.4740181465943654},{"text":"That could change.","start":501.25,"end":502.47,"sentiment":"negative","sentiment_score":-0.34943954149882},{"text":"I do wanna sort of point out that I do expect market volatility over the next few months to be a thing.","start":502.69,"end":508.845,"sentiment":"neutral","sentiment_score":-0.01821637898683548},{"text":"We are gonna see those ups and downs, but it's also about diversifying your portfolio, making sure that you are taking a little bit less risk in the market when you need to and making sure you're spreading your risk level.","start":509.085,"end":520.285,"sentiment":"neutral","sentiment_score":0.10203215802406393}],"sentiment":"neutral","sentiment_score":-0.1481123710191756,"num_words":106,"start":488.095,"end":520.285},{"sentences":[{"text":"So one of the big things we do wanna look at is, like, if equities don't do so well over the next few months, you've also got assets like gold in your portfolio, which is there to kind of mitigate.","start":520.285,"end":530.13,"sentiment":"neutral","sentiment_score":0.17968425238505006},{"text":"Gold is a growth investment, but it's also in your portfolio to act defensively.","start":530.67,"end":534.61,"sentiment":"neutral","sentiment_score":0.17634542073522294},{"text":"And history has shown that when equities don't do so well, so when businesses and companies on the ASX are are down significantly, people put money into gold as a bit of a safe haven there.","start":535.14996,"end":547.135,"sentiment":"neutral","sentiment_score":0.021942233873738184},{"text":"And your portfolio, having a look at the last twelve months, so from this time last year to now, your portfolio has still seen 11.45% return.","start":547.135,"end":558.62,"sentiment":"neutral","sentiment_score":0.27012033903828037},{"text":"So you're still seeing a very good return even with the ups and downs that we have definitely seen.","start":558.92,"end":564.125,"sentiment":"positive","sentiment_score":0.5826843945603621}],"sentiment":"neutral","sentiment_score":0.21140932382808791,"num_words":135,"start":520.285,"end":564.125},{"sentences":[{"text":"One of your investments within your portfolio, then along Australian equities, that is down a little bit more.","start":564.185,"end":570.365,"sentiment":"neutral","sentiment_score":-0.03342271534105142},{"text":"We do wanna maybe look at removing that out of the portfolio at some point as well.","start":570.425,"end":574.925,"sentiment":"neutral","sentiment_score":-0.06267661163035561},{"text":"But you're in also more of a balanced growth environment.","start":576.0,"end":578.74,"sentiment":"neutral","sentiment_score":0.3216975599527359},{"text":"Because remember, back in sort of 2023, we did reduce your risk level significantly.","start":578.8,"end":584.1,"sentiment":"neutral","sentiment_score":0.13833073579839297},{"text":"So that that you know, sort of in the highest risk level.","start":584.72,"end":588.21497,"sentiment":"neutral","sentiment_score":0.09980022720992565}],"sentiment":"neutral","sentiment_score":0.06597320216012673,"num_words":71,"start":564.185,"end":588.21497},{"sentences":[{"text":"And in a balanced growth environment, you normally see about sort of 70% of your funds invested in growth assets.","start":588.21497,"end":594.935,"sentiment":"neutral","sentiment_score":0.2466448150575161},{"text":"So, like, Australian shares, international shares, listed property, and also commodities like the gold and silver aspect.","start":594.935,"end":601.96,"sentiment":"neutral","sentiment_score":0.23581775146372178},{"text":"And then the other defensive investments, things like cash, bonds, and fixed interest, you normally then see around about sorry.","start":602.02,"end":608.68,"sentiment":"neutral","sentiment_score":0.13641710728406906},{"text":"Around about sort of 40 30% invested in that area to kind of provide some lower risk investments as well.","start":609.46,"end":616.475,"sentiment":"neutral","sentiment_score":0.25973585098981855},{"text":"So you it looks like you are pretty well invested across the board.","start":616.475,"end":620.255,"sentiment":"positive","sentiment_score":0.6344033823563502}],"sentiment":"neutral","sentiment_score":0.27902334680159885,"num_words":90,"start":588.21497,"end":620.255},{"sentences":[{"text":"You do have good diversification in there.","start":620.635,"end":622.875,"sentiment":"positive","sentiment_score":0.6747337579727173},{"text":"Your portfolio has been a fairly decent return.","start":622.875,"end":625.775,"sentiment":"positive","sentiment_score":0.7396666631102562},{"text":"And what we sort of wanna do is we wanna limit selling things when the market is down as much as possible.","start":626.49,"end":631.63,"sentiment":"neutral","sentiment_score":-0.17038530145179143},{"text":"Essentially, you know, by selling at investments when they are seeing a bit of a dip, but when they are down is cementing losses.","start":632.41003,"end":638.73,"sentiment":"neutral","sentiment_score":-0.12277174508199096},{"text":"And if we continuously do that over time, we actually don't make much of a profit.","start":638.73,"end":642.85504,"sentiment":"neutral","sentiment_score":-0.20708027575165033}],"sentiment":"neutral","sentiment_score":0.008210216685161963,"num_words":77,"start":620.635,"end":642.85504},{"sentences":[{"text":"We don't we end up just cementing all the downtimes, and our super doesn't have a chance to grow.","start":642.91504,"end":647.955,"sentiment":"neutral","sentiment_score":-0.19572969329984566},{"text":"But if you're looking to keep salary sacrificing and maybe increase net in, even when we do see this volatility in the ups and downs in the market over over the next couple of months, you're putting regular contributions in there.","start":647.955,"end":660.47003,"sentiment":"neutral","sentiment_score":0.04508146080302029},{"text":"You'll get to take advantage of those downtimes as well in those certain investments.","start":660.69,"end":664.37,"sentiment":"neutral","sentiment_score":0.3135504006807293},{"text":"So where investments might be lower, might have seen a bit of a downturn, you putting money in at those particular points in time, meaning that when the market comes out, you've bought into the dip into the discount at the time.","start":664.37,"end":675.605,"sentiment":"neutral","sentiment_score":-0.02626924411881538},{"text":"And as the market recovers out, as that investment recovers out, you actually do gain a little bit.","start":675.605,"end":680.485,"sentiment":"positive","sentiment_score":0.4190271654062801}],"sentiment":"neutral","sentiment_score":0.06685344816477441,"num_words":134,"start":642.91504,"end":680.485},{"sentences":[{"text":"It can reduce your buy pricing, and it can provide you with a greater return as the market recovers out as well.","start":680.485,"end":686.565,"sentiment":"positive","sentiment_score":0.5338239222764969},{"text":"So yeah.","start":686.565,"end":688.77,"sentiment":"neutral","sentiment_score":0.16258922964334488},{"text":"Yeah.","start":688.83,"end":689.15,"sentiment":"neutral","sentiment_score":0.2520877420902252},{"text":"It's about sort of looking at the way the way the market is, the way you are invested, and utilizing downtime to your advantage as well.","start":689.15,"end":696.27,"sentiment":"neutral","sentiment_score":0.281687254515978},{"text":"As long as you're comfortable with the, you know, the portfolio you're in, you're happy to sort of wait out, you're not gonna retire in the next couple of years, then, realistically, you know, you you do have that time horizon ahead of you to sort of withstand those downtimes and keep investing through it.","start":696.27,"end":711.435,"sentiment":"neutral","sentiment_score":0.2422682372006503}],"sentiment":"neutral","sentiment_score":0.31103786938595324,"num_words":106,"start":680.485,"end":711.435},{"sentences":[{"text":"It's always a good always a good scenario.","start":711.435,"end":713.775,"sentiment":"positive","sentiment_score":0.425267968326807},{"text":"Yeah.","start":716.79004,"end":717.29004,"sentiment":"neutral","sentiment_score":0.07357501983642578},{"text":"Did you want me to maybe do a risk profile with you and just reevaluate the market and where it's at, or did you wanna sort of sit tight for maybe a couple of months and we do a catch up in maybe three months and see what the end of financial year brings for us?","start":717.67004,"end":731.235,"sentiment":"neutral","sentiment_score":-0.051426139826487215},{"text":"Or yep.","start":731.235,"end":734.615,"sentiment":"neutral","sentiment_score":-0.13716357946395874},{"text":"Yeah.","start":740.83496,"end":741.33496,"sentiment":"neutral","sentiment_score":-0.14313367009162903}],"sentiment":"neutral","sentiment_score":0.0026234427521772243,"num_words":68,"start":711.435,"end":741.33496},{"sentences":[{"text":"Yep.","start":742.68,"end":743.0,"sentiment":"neutral","sentiment_score":0.04551444575190544},{"text":"Yep.","start":743.0,"end":743.24,"sentiment":"neutral","sentiment_score":0.0743800550699234},{"text":"That's okay.","start":743.24,"end":744.04004,"sentiment":"neutral","sentiment_score":0.1374286413192749},{"text":"And how do you look?","start":744.04004,"end":745.16003,"sentiment":"neutral","sentiment_score":0.03791747838258743},{"text":"Are you I know you told my colleague Smith that you were sort of hoping to access super, maybe retire around age 60 or 62.","start":745.16003,"end":753.24,"sentiment":"neutral","sentiment_score":0.02211966123431921}],"sentiment":"neutral","sentiment_score":0.033450903124449885,"num_words":34,"start":742.68,"end":753.24},{"sentences":[{"text":"Is that still when you'd like to access your super?","start":753.24,"end":756.14,"sentiment":"neutral","sentiment_score":0.02633012942969799},{"text":"Okay.","start":767.615,"end":768.115,"sentiment":"neutral","sentiment_score":0.03799425810575485},{"text":"Yep.","start":770.35004,"end":770.85004,"sentiment":"neutral","sentiment_score":0.035873785614967346},{"text":"Okay.","start":771.79004,"end":772.29004,"sentiment":"neutral","sentiment_score":-0.01014464721083641},{"text":"Will that affect your income or your earning capacity at that time, or will you still sort of be on the same income?","start":773.23,"end":779.07,"sentiment":"neutral","sentiment_score":-0.06360831354623256}],"sentiment":"neutral","sentiment_score":-0.031554625576568976,"num_words":36,"start":753.24,"end":779.07},{"sentences":[{"text":"Because you'll be doing full weeks as well, won't you?","start":779.07,"end":781.73,"sentiment":"neutral","sentiment_score":0.04011680372059345},{"text":"Yep.","start":790.295,"end":790.795,"sentiment":"neutral","sentiment_score":0.0430084690451622},{"text":"Yep.","start":793.09503,"end":793.59503,"sentiment":"neutral","sentiment_score":0.2673111855983734},{"text":"Perfect.","start":793.735,"end":794.235,"sentiment":"positive","sentiment_score":0.5439155101776123},{"text":"No.","start":795.44,"end":795.6,"sentiment":"neutral","sentiment_score":0.2048388719558716}],"sentiment":"neutral","sentiment_score":0.10430300528449672,"num_words":14,"start":779.07,"end":795.6},{"sentences":[{"text":"That's okay.","start":795.6,"end":796.32,"sentiment":"neutral","sentiment_score":0.24673431366682053},{"text":"When you do hit 60, there's other sort of strategies that we can look at as well.","start":796.32,"end":800.58,"sentiment":"neutral","sentiment_score":0.20832752480226405},{"text":"One of those is more called a transgender time and strategy where you can be increasing your contributions in the super to maximize the caps as much as possible.","start":800.8,"end":810.34,"sentiment":"neutral","sentiment_score":0.27764433108527087},{"text":"But then because it's reduced your take home pay, we're able to, under the rules, access a little bit of money out of super.","start":810.935,"end":817.995,"sentiment":"positive","sentiment_score":0.4065604234735171},{"text":"It works really well because you're keeping the same take home pay as much as you possibly can.","start":818.055,"end":823.355,"sentiment":"positive","sentiment_score":0.6780979699558682}],"sentiment":"positive","sentiment_score":0.3783326197001669,"num_words":90,"start":795.6,"end":823.355},{"sentences":[{"text":"You're putting more into super, so your super is benefiting from those extra contributions.","start":823.54,"end":827.16003,"sentiment":"positive","sentiment_score":0.5537579549210412},{"text":"And then you you are you paying less income tax overall because the money we can draw at to supplement your income is tax free.","start":828.18,"end":836.595,"sentiment":"positive","sentiment_score":0.48686283349990844},{"text":"So there are those advantages to those sorts of strategies.","start":836.595,"end":839.075,"sentiment":"positive","sentiment_score":0.4744868233799934},{"text":"And when you turn 60 or when you get closer to 60, we could definitely maybe have a bit more of a chat around that and look at what kind of benefit that may provide as well for you.","start":839.075,"end":848.295,"sentiment":"positive","sentiment_score":0.44025351642033994},{"text":"Yeah.","start":855.73,"end":856.05,"sentiment":"neutral","sentiment_score":0.056871335953474045}],"sentiment":"positive","sentiment_score":0.4707394260285276,"num_words":89,"start":823.54,"end":856.05},{"sentences":[{"text":"Yep.","start":856.05,"end":856.55,"sentiment":"neutral","sentiment_score":0.07704971730709076},{"text":"Okay.","start":859.25,"end":859.75,"sentiment":"neutral","sentiment_score":0.028718501329421997},{"text":"Yep.","start":864.305,"end":864.805,"sentiment":"neutral","sentiment_score":0.10621961951255798},{"text":"Yep.","start":866.78503,"end":867.28503,"sentiment":"neutral","sentiment_score":0.04379943013191223},{"text":"Yeah.","start":872.385,"end":872.78503,"sentiment":"neutral","sentiment_score":0.06918658316135406}],"sentiment":"neutral","sentiment_score":0.06499477028846741,"num_words":5,"start":856.05,"end":872.78503},{"sentences":[{"text":"That's it definitely can do.","start":872.78503,"end":874.56,"sentiment":"neutral","sentiment_score":0.28562950491905215},{"text":"So the way the catch up contributions work is that, essentially, you need to utilize this year's cap space first, and that sort of triggers the bring for the carry forward rule.","start":874.56,"end":885.38,"sentiment":"neutral","sentiment_score":0.12221197737380862},{"text":"So once you've completed you've put the the $430,000 in for this financial year, then it lets you start using the previous financial year's cap.","start":885.635,"end":895.235,"sentiment":"neutral","sentiment_score":0.18505222260951995},{"text":"It sort of triggers it, and that's when you kinda go back.","start":895.235,"end":898.055,"sentiment":"neutral","sentiment_score":0.12318524594108264},{"text":"You utilize the oldest year's cap first, and it kinda works forward from there.","start":898.27496,"end":903.61,"sentiment":"neutral","sentiment_score":0.18977913366896765}],"sentiment":"neutral","sentiment_score":0.16023144532333722,"num_words":88,"start":872.78503,"end":903.61},{"sentences":[{"text":"So you can absolutely do a 5,000 per year if you want to.","start":903.91003,"end":907.37,"sentiment":"positive","sentiment_score":0.46987780240865856},{"text":"It just means that if you don't if you don't use all of the previous year, once we get to the July 1, the oldest year is no longer available.","start":907.59,"end":916.895,"sentiment":"neutral","sentiment_score":0.018172153333822886},{"text":"So yeah.","start":917.11505,"end":919.215,"sentiment":"neutral","sentiment_score":0.062197430059313774},{"text":"Yep.","start":924.395,"end":924.895,"sentiment":"neutral","sentiment_score":0.30363643169403076},{"text":"Perfect.","start":924.955,"end":925.455,"sentiment":"positive","sentiment_score":0.5956643223762512}],"sentiment":"neutral","sentiment_score":0.16334620522374801,"num_words":47,"start":903.91003,"end":925.455},{"sentences":[{"text":"Yep.","start":931.64996,"end":932.14996,"sentiment":"neutral","sentiment_score":0.14327716827392578},{"text":"Yep.","start":932.52997,"end":933.02997,"sentiment":"neutral","sentiment_score":0.10816671699285509},{"text":"Yep.","start":943.905,"end":944.405,"sentiment":"neutral","sentiment_score":0.046218376606702805},{"text":"Yeah.","start":946.465,"end":946.965,"sentiment":"neutral","sentiment_score":0.049414366483688354},{"text":"Yep.","start":948.305,"end":948.805,"sentiment":"neutral","sentiment_score":0.1190364509820938}],"sentiment":"neutral","sentiment_score":0.09322261586785316,"num_words":5,"start":931.64996,"end":948.805},{"sentences":[{"text":"I'll just have a quick I can just pull up the details of your income there to kinda give you a bit of a guide if you like.","start":950.625,"end":956.74,"sentiment":"neutral","sentiment_score":0.12029252307755607},{"text":"So you're on about 130 at the moment.","start":956.74,"end":958.98,"sentiment":"neutral","sentiment_score":0.05295117758214474},{"text":"What's your income currently?","start":958.98,"end":960.36,"sentiment":"neutral","sentiment_score":0.04594160337001085},{"text":"One 30 three.","start":962.81995,"end":964.04,"sentiment":"neutral","sentiment_score":0.11663825064897537},{"text":"Yep.","start":964.66,"end":965.16,"sentiment":"neutral","sentiment_score":0.09762676805257796}],"sentiment":"neutral","sentiment_score":0.10052518182518808,"num_words":44,"start":950.625,"end":965.16},{"sentences":[{"text":"Yep.","start":968.675,"end":969.075,"sentiment":"neutral","sentiment_score":0.10007235407829285},{"text":"And do you receive employer contributions on the bonus as well, or is that just on your base income?","start":969.075,"end":974.615,"sentiment":"neutral","sentiment_score":0.02521085641101787},{"text":"Just on your base.","start":976.195,"end":977.075,"sentiment":"neutral","sentiment_score":0.03932878794148564},{"text":"Okay.","start":977.075,"end":977.39496,"sentiment":"neutral","sentiment_score":0.07803189754486084},{"text":"So we're working on the 133.","start":977.39496,"end":981.7,"sentiment":"neutral","sentiment_score":0.07569762257238229}],"sentiment":"neutral","sentiment_score":0.040922948730088046,"num_words":31,"start":968.675,"end":981.7},{"sentences":[{"text":"Yep.","start":987.76,"end":988.26,"sentiment":"neutral","sentiment_score":0.12699705362319946},{"text":"So so a 133,000 salary annually there.","start":989.92,"end":994.89996,"sentiment":"neutral","sentiment_score":0.09565657802990504},{"text":"Let's just your employer contributions are 12%.","start":995.36,"end":999.73505,"sentiment":"neutral","sentiment_score":0.06318634429148265},{"text":"Do you know are they paying anything higher over that 12?","start":999.73505,"end":1002.955,"sentiment":"neutral","sentiment_score":-0.0060878407887437124},{"text":"Nope.","start":1004.695,"end":1005.17505,"sentiment":"neutral","sentiment_score":-0.3274245858192444}],"sentiment":"neutral","sentiment_score":0.03127802501398104,"num_words":27,"start":987.76,"end":1005.17505},{"sentences":[{"text":"Nope.","start":1005.17505,"end":1005.41504,"sentiment":"neutral","sentiment_score":-0.2601822018623352},{"text":"It's okay.","start":1005.41504,"end":1006.155,"sentiment":"neutral","sentiment_score":-0.002387315034866333},{"text":"That's okay.","start":1006.455,"end":1007.17505,"sentiment":"neutral","sentiment_score":0.16743119060993195},{"text":"Definitely have a look at your contract because you work for BHP, don't you?","start":1007.17505,"end":1011.43506,"sentiment":"neutral","sentiment_score":0.14198679849505424},{"text":"Yeah.","start":1012.27997,"end":1012.6,"sentiment":"neutral","sentiment_score":-0.03560703992843628}],"sentiment":"neutral","sentiment_score":0.10110568441450596,"num_words":20,"start":1005.17505,"end":1012.6},{"sentences":[{"text":"Just double check with your employer to make sure that you're not essentially being paid more than that 12% because that can increase how much you get.","start":1012.6,"end":1021.5,"sentiment":"neutral","sentiment_score":-0.04900297922668634},{"text":"Yeah.","start":1021.63995,"end":1022.13995,"sentiment":"neutral","sentiment_score":0.05705815553665161},{"text":"Mhmm.","start":1028.055,"end":1028.555,"sentiment":"neutral","sentiment_score":0.021993212401866913},{"text":"Double that's okay.","start":1032.295,"end":1034.855,"sentiment":"neutral","sentiment_score":0.06132463117440542},{"text":"Double if you've got your employment contract there, have a bit of a look at it.","start":1034.855,"end":1038.12,"sentiment":"neutral","sentiment_score":0.05228638858534396}],"sentiment":"neutral","sentiment_score":-0.0046556866727769375,"num_words":48,"start":1012.6,"end":1038.12},{"sentences":[{"text":"If not, double check with your payroll when you kinda go and talk to them to see if there's anything over that 12%.","start":1038.68,"end":1045.5,"sentiment":"neutral","sentiment_score":-0.008226766655950443},{"text":"What are you self sacking at the moment?","start":1046.04,"end":1047.98,"sentiment":"neutral","sentiment_score":-0.04508359055034816},{"text":"540 per fortnight?","start":1055.255,"end":1057.035,"sentiment":"neutral","sentiment_score":-0.0018302646931260824},{"text":"No worries at all.","start":1057.175,"end":1058.555,"sentiment":"neutral","sentiment_score":0.049367163330316544},{"text":"I'll just update that.","start":1059.415,"end":1061.115,"sentiment":"neutral","sentiment_score":0.11632565222680569}],"sentiment":"neutral","sentiment_score":0.0025570502537967904,"num_words":42,"start":1038.68,"end":1061.115},{"sentences":[{"text":"Beautiful.","start":1061.495,"end":1061.995,"sentiment":"positive","sentiment_score":0.36674392223358154},{"text":"Sorry.","start":1064.5499,"end":1064.95,"sentiment":"neutral","sentiment_score":0.07846978306770325},{"text":"I just had on here $4.40 per week.","start":1064.95,"end":1067.35,"sentiment":"neutral","sentiment_score":-0.006448682863265276},{"text":"So 540 per fortnight.","start":1067.35,"end":1069.53,"sentiment":"neutral","sentiment_score":0.0037011397071182728},{"text":"Yep.","start":1071.35,"end":1071.83,"sentiment":"neutral","sentiment_score":0.2046240270137787}],"sentiment":"neutral","sentiment_score":0.040870188549160955,"num_words":15,"start":1061.495,"end":1071.83},{"sentences":[{"text":"Perfect.","start":1071.83,"end":1072.33,"sentiment":"positive","sentiment_score":0.3669385612010956},{"text":"So having a look at that at the moment, total contributions, this is just based on the 12% there, and the current salary sacrifice on a fortnightly basis.","start":1072.5499,"end":1082.795,"sentiment":"neutral","sentiment_score":0.1087000271571534},{"text":"It shows that current in current employer contributions altogether will be around what are we looking at?","start":1082.935,"end":1093.1151,"sentiment":"neutral","sentiment_score":0.046351274037185836},{"text":"So employer sorry.","start":1095.7,"end":1097.46,"sentiment":"neutral","sentiment_score":-0.07332833607991536},{"text":"My computer's a little bit slow.","start":1097.46,"end":1098.74,"sentiment":"neutral","sentiment_score":-0.24809091041485468}],"sentiment":"neutral","sentiment_score":0.04527237290008502,"num_words":55,"start":1071.83,"end":1098.74},{"sentences":[{"text":"It's thinking about it.","start":1098.74,"end":1100.12,"sentiment":"neutral","sentiment_score":-0.11221540346741676},{"text":"Employer contributions at 12% based on your income is 15,960.","start":1100.9,"end":1107.16,"sentiment":"neutral","sentiment_score":-0.03284762017428875},{"text":"And then just spinning, adding in this the fortnightly salary sacrifice there as well.","start":1107.86,"end":1113.8151,"sentiment":"neutral","sentiment_score":-0.025367630645632744},{"text":"Yep.","start":1114.995,"end":1115.495,"sentiment":"neutral","sentiment_score":0.16142860054969788},{"text":"Perfect.","start":1115.555,"end":1116.055,"sentiment":"positive","sentiment_score":0.35508280992507935}],"sentiment":"neutral","sentiment_score":-0.020532441139221192,"num_words":30,"start":1098.74,"end":1116.055},{"sentences":[{"text":"That adds an extra 14,040 in contributions.","start":1116.675,"end":1121.495,"sentiment":"neutral","sentiment_score":0.21608721890619823},{"text":"Zero.","start":1123.69,"end":1124.19,"sentiment":"neutral","sentiment_score":0.007622793316841125},{"text":"Yeah.","start":1127.85,"end":1128.33,"sentiment":"neutral","sentiment_score":0.12732172012329102},{"text":"Perfect.","start":1128.33,"end":1128.83,"sentiment":"neutral","sentiment_score":0.22940491139888763},{"text":"So plus $6.00 plus $14.00 $4.00.","start":1129.45,"end":1134.2699,"sentiment":"neutral","sentiment_score":0.09929060439268748}],"sentiment":"neutral","sentiment_score":0.15454397397115827,"num_words":16,"start":1116.675,"end":1134.2699},{"sentences":[{"text":"So that brings you up to the $30,000 cap.","start":1134.925,"end":1137.725,"sentiment":"neutral","sentiment_score":0.1435155967871348},{"text":"So that's essentially your current employer contributions plus your current salary sacrifice will maximize the cap, which means that anything you put in over and above your current sales cycle employer will essentially be used in the will be added or taken from the carry forward rule.","start":1137.725,"end":1155.43,"sentiment":"neutral","sentiment_score":0.18213805318512816},{"text":"So once you get to the end of the financial year, they've got all your contributions in there.","start":1155.43,"end":1159.5901,"sentiment":"neutral","sentiment_score":0.17137006380491787},{"text":"It should trigger the carry forward.","start":1159.5901,"end":1161.37,"sentiment":"neutral","sentiment_score":0.2725388954083125},{"text":"And you can be putting that in there.","start":1161.805,"end":1163.165,"sentiment":"neutral","sentiment_score":0.32288020849227905}],"sentiment":"neutral","sentiment_score":0.1949439211325212,"num_words":88,"start":1134.925,"end":1163.165},{"sentences":[{"text":"You don't have to wait.","start":1163.165,"end":1164.4651,"sentiment":"neutral","sentiment_score":0.19232397377490998},{"text":"It's more just about making sure that when the ACO at the end of the financial year get reported all the contributions that have gone in, they'll look at that and go, hey.","start":1164.685,"end":1173.725,"sentiment":"neutral","sentiment_score":0.05520155117141478},{"text":"You've exceeded the cap.","start":1173.725,"end":1174.765,"sentiment":"neutral","sentiment_score":-0.04533759132027626},{"text":"But that's okay.","start":1174.765,"end":1175.665,"sentiment":"neutral","sentiment_score":0.19651824235916138},{"text":"Last financial year, June 30, your balance is under 500 k.","start":1175.885,"end":1180.1,"sentiment":"neutral","sentiment_score":0.0900789804079316}],"sentiment":"neutral","sentiment_score":0.07468471792526543,"num_words":56,"start":1163.165,"end":1180.1},{"sentences":[{"text":"You had access to carry forward.","start":1180.1,"end":1181.7,"sentiment":"neutral","sentiment_score":0.15087066094080606},{"text":"This is your, you know, most long this is the what you had available five years ago.","start":1181.7,"end":1188.28,"sentiment":"neutral","sentiment_score":0.1479010244502741},{"text":"This is what you were able to use over and above the cap to trigger the bring it forward rule.","start":1188.58,"end":1192.82,"sentiment":"neutral","sentiment_score":0.1826065719127655},{"text":"So it's kinda just a bit of a process, but you can start salary sacrificing that now to sort of keep an eye on it, just sort of make sure that you are looking at your myGov maybe on, you know, a regular basis just to sort of see.","start":1192.82,"end":1204.175,"sentiment":"neutral","sentiment_score":0.11951555904685235},{"text":"It doesn't get updated all the time.","start":1204.175,"end":1206.015,"sentiment":"neutral","sentiment_score":-0.05061578271644456}],"sentiment":"neutral","sentiment_score":0.1270063104427824,"num_words":99,"start":1180.1,"end":1206.015},{"sentences":[{"text":"I tend to check those things around about tax time when I know things are actually getting updated by the ACO and just keeping an eye on your contributions going.","start":1206.015,"end":1215.56,"sentiment":"neutral","sentiment_score":0.07275203013171752},{"text":"And I think last year, I sent you that my pay calculator as well.","start":1215.56,"end":1219.48,"sentiment":"neutral","sentiment_score":0.08943956292101315},{"text":"Did you get that email through?","start":1219.48,"end":1221.18,"sentiment":"neutral","sentiment_score":0.06119511711100737},{"text":"Yeah.","start":1221.955,"end":1222.355,"sentiment":"neutral","sentiment_score":0.16537795960903168},{"text":"You can always use that tool as well just checking on, you know, what it looks like, the contributions going in, adding them up a little bit.","start":1222.355,"end":1231.2549,"sentiment":"neutral","sentiment_score":0.19034727083312142}],"sentiment":"neutral","sentiment_score":0.1167517917899367,"num_words":78,"start":1206.015,"end":1231.2549},{"sentences":[{"text":"And as I said, you know, if Netwealth, we get lists of contributions and things like that.","start":1231.3949,"end":1236.4099,"sentiment":"neutral","sentiment_score":0.08302098929005511},{"text":"The super funds tend to sort of flag when contributions are getting close to the cap as well.","start":1236.4099,"end":1241.9299,"sentiment":"neutral","sentiment_score":-0.018993970627586048},{"text":"So we can definitely, you know, give you a call and sort of catch up with you if if we feel like it's getting too close to the cap.","start":1241.9299,"end":1248.9099,"sentiment":"neutral","sentiment_score":-0.0011802387648615345},{"text":"But, yeah, if you're comfortable going ahead with that, there's nothing wrong with that.","start":1250.1449,"end":1253.745,"sentiment":"neutral","sentiment_score":0.1939674618520907},{"text":"Getting as much money into super now is definitely a benefit because you do are about six years out from where you wanna retire.","start":1253.745,"end":1259.6849,"sentiment":"positive","sentiment_score":0.4179628274093072}],"sentiment":"neutral","sentiment_score":0.1351165759431965,"num_words":102,"start":1231.3949,"end":1259.6849},{"sentences":[{"text":"So Yeah.","start":1259.825,"end":1261.5249,"sentiment":"neutral","sentiment_score":0.1823049634695053},{"text":"Yep.","start":1266.07,"end":1266.57,"sentiment":"neutral","sentiment_score":0.04425092786550522},{"text":"Yep.","start":1268.3099,"end":1268.8099,"sentiment":"neutral","sentiment_score":-0.11861957609653472},{"text":"So then if we're utilizing you, do you wanna sort of cap out that 7,000 for the first year?","start":1274.95,"end":1282.345,"sentiment":"neutral","sentiment_score":0.04279602279788569},{"text":"Mhmm.","start":1287.6849,"end":1288.1849,"sentiment":"neutral","sentiment_score":-0.007335612550377846}],"sentiment":"neutral","sentiment_score":0.04566792080489298,"num_words":24,"start":1259.825,"end":1288.1849},{"sentences":[{"text":"Yeah.","start":1289.5249,"end":1290.0249,"sentiment":"neutral","sentiment_score":0.07489683479070663},{"text":"And you're wanting that's okay.","start":1291.61,"end":1294.8301,"sentiment":"neutral","sentiment_score":0.023147189617156984},{"text":"Are you kind of wanting to cap it out by the end of the financial year this year, or you kinda wanting to break it down a little bit more?","start":1294.89,"end":1302.1901,"sentiment":"neutral","sentiment_score":0.04528688242038091},{"text":"Yep.","start":1313.7051,"end":1314.1051,"sentiment":"neutral","sentiment_score":0.2146005481481552},{"text":"Yep.","start":1314.1051,"end":1314.505,"sentiment":"neutral","sentiment_score":0.26729148626327515}],"sentiment":"neutral","sentiment_score":0.053450823418403924,"num_words":38,"start":1289.5249,"end":1314.505},{"sentences":[{"text":"That's okay.","start":1314.505,"end":1315.3251,"sentiment":"positive","sentiment_score":0.42081810534000397},{"text":"So if we work on, say, 5 thousand.","start":1315.385,"end":1321.11,"sentiment":"neutral","sentiment_score":0.1977850515395403},{"text":"Yeah.","start":1321.17,"end":1321.49,"sentiment":"neutral","sentiment_score":0.2314261794090271},{"text":"Yeah.","start":1321.49,"end":1321.73,"sentiment":"neutral","sentiment_score":0.3091827630996704},{"text":"Absolutely.","start":1321.73,"end":1322.23,"sentiment":"positive","sentiment_score":0.400077223777771}],"sentiment":"neutral","sentiment_score":0.25881559917559993,"num_words":13,"start":1314.505,"end":1322.23},{"sentences":[{"text":"So you mentioned before, you've got the $7,000 cap in the oldest financial year available, but you said you were sort of hoping to do 5,000 extra contributions.","start":1322.77,"end":1332.87,"sentiment":"neutral","sentiment_score":0.07880557142198086},{"text":"Is that what you're after, the 5,000?","start":1333.395,"end":1335.395,"sentiment":"neutral","sentiment_score":0.057168135685580115},{"text":"Yep.","start":1335.395,"end":1335.795,"sentiment":"neutral","sentiment_score":0.105820432305336},{"text":"So if we sort of divide that and you make that, you get paid fortnightly.","start":1335.795,"end":1339.895,"sentiment":"neutral","sentiment_score":0.10043550829092661},{"text":"Yeah.","start":1340.995,"end":1341.475,"sentiment":"neutral","sentiment_score":0.2469083666801453}],"sentiment":"neutral","sentiment_score":0.0858845071723828,"num_words":52,"start":1322.77,"end":1341.475},{"sentences":[{"text":"Yeah.","start":1341.475,"end":1341.875,"sentiment":"positive","sentiment_score":0.4019830524921417},{"text":"Perfect.","start":1341.875,"end":1342.375,"sentiment":"positive","sentiment_score":0.6086940169334412},{"text":"So dividing that and making it fortnightly for you, so roughly twenty six weeks in a year fortnight.","start":1343.155,"end":1350.3301,"sentiment":"neutral","sentiment_score":0.3285624186197917},{"text":"So it's about a $192.31, say.","start":1350.3301,"end":1354.91,"sentiment":"neutral","sentiment_score":0.1709904024998347},{"text":"That is correct.","start":1359.93,"end":1360.97,"sentiment":"neutral","sentiment_score":0.23320862650871277}],"sentiment":"neutral","sentiment_score":0.2982885827278269,"num_words":29,"start":1341.475,"end":1360.97},{"sentences":[{"text":"Yeah.","start":1360.97,"end":1361.47,"sentiment":"neutral","sentiment_score":0.1742134988307953},{"text":"I'm gonna multiply that.","start":1361.93,"end":1363.39,"sentiment":"neutral","sentiment_score":0.1091722697019577},{"text":"Of your income, 30 one.","start":1365.695,"end":1369.075,"sentiment":"neutral","sentiment_score":0.03780531957745552},{"text":"Yep.","start":1372.975,"end":1373.475,"sentiment":"neutral","sentiment_score":0.17070361971855164},{"text":"So it works out to be around about it's definitely it's, like, point 14% of your income based on that.","start":1374.4149,"end":1384.3,"sentiment":"neutral","sentiment_score":0.20307307532057167}],"sentiment":"neutral","sentiment_score":0.16232562263406092,"num_words":31,"start":1360.97,"end":1384.3},{"sentences":[{"text":"But I don't know if your employer wants it to be if your employer wants it to be, like, the percentage as a whole including your color color and service sacrifice, or do they want just the increase in that as a percentage against your income?","start":1384.3,"end":1400.265,"sentiment":"neutral","sentiment_score":-0.3179481828018375},{"text":"Yep.","start":1404.26,"end":1404.76,"sentiment":"neutral","sentiment_score":0.03683780878782272},{"text":"Yep.","start":1405.86,"end":1406.36,"sentiment":"neutral","sentiment_score":0.05117405951023102},{"text":"Okay.","start":1410.74,"end":1411.24,"sentiment":"neutral","sentiment_score":-0.2139601558446884},{"text":"Yeah.","start":1413.38,"end":1413.88,"sentiment":"neutral","sentiment_score":-0.1006324216723442}],"sentiment":"neutral","sentiment_score":-0.2970439423620701,"num_words":50,"start":1384.3,"end":1413.88},{"sentences":[{"text":"Yep.","start":1415.795,"end":1416.295,"sentiment":"neutral","sentiment_score":0.03521747142076492},{"text":"It might be.","start":1419.955,"end":1420.6749,"sentiment":"neutral","sentiment_score":-0.011567585170269012},{"text":"Yeah.","start":1420.6749,"end":1420.915,"sentiment":"neutral","sentiment_score":0.050683461129665375},{"text":"It might just increase it slightly.","start":1420.915,"end":1422.855,"sentiment":"neutral","sentiment_score":-0.04262286859254042},{"text":"Yeah.","start":1422.995,"end":1423.475,"sentiment":"neutral","sentiment_score":0.226802796125412}],"sentiment":"neutral","sentiment_score":0.0018553134674827259,"num_words":12,"start":1415.795,"end":1423.475},{"sentences":[{"text":"Yep.","start":1423.475,"end":1423.975,"sentiment":"neutral","sentiment_score":0.2936069369316101},{"text":"The other option is if it's gonna be easier, the other option you can always do it as what's called a deductible contribution where you don't get your employer to put it in by way of salary sacrifice.","start":1424.355,"end":1434.31,"sentiment":"neutral","sentiment_score":0.26461278098194224},{"text":"You would, out of your income, take that money every week for that month, or you can just put it away and do it as a lump sum at the end of the financial year.","start":1434.77,"end":1443.225,"sentiment":"neutral","sentiment_score":0.2280838370323181},{"text":"And you just deposit that money from your bank account into super.","start":1443.705,"end":1447.245,"sentiment":"neutral","sentiment_score":0.24817946925759315},{"text":"It's it goes in.","start":1448.105,"end":1449.385,"sentiment":"neutral","sentiment_score":0.2347862683236599}],"sentiment":"neutral","sentiment_score":0.2472125068306923,"num_words":90,"start":1423.475,"end":1449.385},{"sentences":[{"text":"This is a non concessional contribution, and then at the end of the financial year, you can claim a notice of intent.","start":1449.385,"end":1455.8049,"sentiment":"neutral","sentiment_score":0.19498554651032796},{"text":"That notice of intent basically changes the changes the contribution type to that concessional.","start":1456.345,"end":1461.7799,"sentiment":"neutral","sentiment_score":0.07947944477200508},{"text":"It gets added to your concessional caps there, and they do the then deduct the 15 percent.","start":1462.3999,"end":1467.7799,"sentiment":"neutral","sentiment_score":0.16293212245492375},{"text":"It's just another way of doing it.","start":1467.84,"end":1469.7799,"sentiment":"neutral","sentiment_score":0.27102353956018177},{"text":"With claiming it that way, you then can take that notice of intent or the the the they give you, like, a letter for the notice of intent.","start":1470.96,"end":1480.3451,"sentiment":"neutral","sentiment_score":0.21216886277709687}],"sentiment":"neutral","sentiment_score":0.1819333325732838,"num_words":88,"start":1449.385,"end":1480.3451},{"sentences":[{"text":"You take that back to your accountant, and you let them know that you you've made some extra contributions to super.","start":1480.5651,"end":1487.685,"sentiment":"neutral","sentiment_score":0.3044001531033289},{"text":"You wanna claim them as a tax deduction, and the amount you can put into super becomes a tax deduction for you on your personal income tax return.","start":1487.685,"end":1496.17,"sentiment":"positive","sentiment_score":0.4473291385386671},{"text":"So that's another way of doing it if you wanted to do it.","start":1496.17,"end":1499.29,"sentiment":"positive","sentiment_score":0.532848413173969},{"text":"That way, you don't have to kinda tell your employer what percentage of your income to e increase it to.","start":1499.29,"end":1505.185,"sentiment":"neutral","sentiment_score":0.1756524607539177},{"text":"You can also keep an eye on it.","start":1505.185,"end":1507.125,"sentiment":"neutral","sentiment_score":0.2759213503450155}],"sentiment":"positive","sentiment_score":0.3507229831483629,"num_words":90,"start":1480.5651,"end":1507.125},{"sentences":[{"text":"You can do it on a regular basis in the super, and we can always send you the the details for making that deposit, either sort of ETF or b pay, however is preferable to yourself.","start":1507.265,"end":1518.0,"sentiment":"neutral","sentiment_score":0.26078641456034446},{"text":"And, yeah, you can do it as a deductible contribution if you wanted to.","start":1519.5,"end":1523.26,"sentiment":"positive","sentiment_score":0.37563388688223703},{"text":"It's just a a little bit of a different way of doing it and utilizing that that cap space a little bit.","start":1523.26,"end":1528.395,"sentiment":"neutral","sentiment_score":0.3032075640830127},{"text":"Yeah.","start":1532.395,"end":1532.715,"sentiment":"neutral","sentiment_score":0.14016710221767426},{"text":"I've got a few things to think about.","start":1532.715,"end":1534.5751,"sentiment":"neutral","sentiment_score":0.1044588377699256}],"sentiment":"neutral","sentiment_score":0.27522950067564295,"num_words":81,"start":1507.265,"end":1534.5751},{"sentences":[{"text":"Yeah.","start":1537.915,"end":1538.395,"sentiment":"neutral","sentiment_score":0.11446374654769896},{"text":"Did you want me to send you an email?","start":1538.395,"end":1540.475,"sentiment":"neutral","sentiment_score":0.10383309837844637},{"text":"I can give you just a little bit of a breakdown on kind of the deductible contribution versus the sales stack, and you can kind of just mull your eyes over it.","start":1540.475,"end":1550.48,"sentiment":"neutral","sentiment_score":0.18455242342315614},{"text":"Yep.","start":1552.22,"end":1552.72,"sentiment":"neutral","sentiment_score":0.317816823720932},{"text":"Yep.","start":1555.34,"end":1555.84,"sentiment":"positive","sentiment_score":0.36529120802879333}],"sentiment":"neutral","sentiment_score":0.17358516393737358,"num_words":44,"start":1537.915,"end":1555.84},{"sentences":[{"text":"Yeah.","start":1565.015,"end":1565.515,"sentiment":"neutral","sentiment_score":0.18753165006637573},{"text":"Yeah.","start":1565.5751,"end":1565.9751,"sentiment":"neutral","sentiment_score":0.1251048743724823},{"text":"No.","start":1565.9751,"end":1566.295,"sentiment":"neutral","sentiment_score":0.0558243915438652},{"text":"Definitely.","start":1566.295,"end":1566.775,"sentiment":"neutral","sentiment_score":0.17693650722503662},{"text":"Well, one of the good things about, I mean, the main sort of difference between the two is that the salary sacrifice comes out of your pretax income, and it's done with your employment.","start":1566.775,"end":1575.65,"sentiment":"positive","sentiment_score":0.34986364972942013}],"sentiment":"neutral","sentiment_score":0.32738846089494855,"num_words":38,"start":1565.015,"end":1575.65},{"sentences":[{"text":"So you don't kind of have to think about making the contribution.","start":1575.65,"end":1578.3099,"sentiment":"neutral","sentiment_score":0.2784568394223849},{"text":"And if you are quite time poor or don't like to log in to your account, it can be the easiest way to do it.","start":1578.53,"end":1583.75,"sentiment":"neutral","sentiment_score":0.05612632811069489},{"text":"Yeah.","start":1589.225,"end":1589.5449,"sentiment":"neutral","sentiment_score":0.2674368917942047},{"text":"Yeah.","start":1589.5449,"end":1589.865,"sentiment":"neutral","sentiment_score":0.3331981897354126},{"text":"And that's completely fine.","start":1589.865,"end":1591.325,"sentiment":"positive","sentiment_score":0.44503500312566757}],"sentiment":"neutral","sentiment_score":0.16570733418298322,"num_words":43,"start":1575.65,"end":1591.325},{"sentences":[{"text":"The other way of doing it with that deductible contribution, essentially, you're putting that 5,000 in as a lump sum or on a regular basis over time.","start":1591.865,"end":1600.61,"sentiment":"neutral","sentiment_score":0.1872239794444155},{"text":"It sits in there as a non concessional contribution.","start":1601.1499,"end":1604.0299,"sentiment":"neutral","sentiment_score":0.15990044673283896},{"text":"So an after tax contribution sits in your tax free component.","start":1604.0299,"end":1607.25,"sentiment":"neutral","sentiment_score":0.19469429552555084},{"text":"Once we claim that notice of intent, it changes the way the contribution is made.","start":1607.95,"end":1612.2899,"sentiment":"neutral","sentiment_score":0.1365037391583125},{"text":"But then when you go back, you tell your employee you've made so you tell your accountant you've made that $5,000 contribution.","start":1612.575,"end":1618.595,"sentiment":"neutral","sentiment_score":0.12804658338427544}],"sentiment":"neutral","sentiment_score":0.16071868616910207,"num_words":84,"start":1591.865,"end":1618.595},{"sentences":[{"text":"You've claimed it as a under the notice and that you wanna deduct it from your income, and they can utilize that 5,000 as a deductible on your personal tax return.","start":1618.735,"end":1629.1799,"sentiment":"neutral","sentiment_score":0.1126636615203273},{"text":"So this is a different way of doing it.","start":1629.1799,"end":1631.1,"sentiment":"neutral","sentiment_score":0.09221939452820355},{"text":"They have different pros and cons and advantages, but it also comes down to what's comfortable for you as well.","start":1631.1,"end":1637.5,"sentiment":"neutral","sentiment_score":0.33211799785494805},{"text":"Do you wanna be making that contribution manually, or is it easy to have it done as part of your employer contributions?","start":1637.5,"end":1644.395,"sentiment":"neutral","sentiment_score":0.13765564882619816},{"text":"That way, you don't have to think about it at the same time.","start":1644.535,"end":1647.355,"sentiment":"neutral","sentiment_score":0.1768868536903308}],"sentiment":"neutral","sentiment_score":0.1715038040750905,"num_words":95,"start":1618.735,"end":1647.355},{"sentences":[{"text":"So yep.","start":1647.415,"end":1651.5951,"sentiment":"neutral","sentiment_score":0.292747437953949},{"text":"Yeah.","start":1661.27,"end":1661.51,"sentiment":"neutral","sentiment_score":0.17239561676979065},{"text":"Yep.","start":1661.51,"end":1662.01,"sentiment":"neutral","sentiment_score":0.1566585898399353},{"text":"Yeah.","start":1662.2301,"end":1662.63,"sentiment":"neutral","sentiment_score":0.1252192109823227},{"text":"Absolutely.","start":1662.63,"end":1663.13,"sentiment":"neutral","sentiment_score":0.09936948120594025}],"sentiment":"neutral","sentiment_score":0.18985629578431448,"num_words":6,"start":1647.415,"end":1663.13},{"sentences":[{"text":"Oh, absolutely.","start":1665.445,"end":1666.585,"sentiment":"neutral","sentiment_score":0.17828327417373657},{"text":"Absolutely.","start":1666.965,"end":1667.465,"sentiment":"neutral","sentiment_score":0.29804378747940063},{"text":"I do like with the deductible contribution, you can claim it back on your tax return, but there is that manual side to it.","start":1667.6849,"end":1674.2649,"sentiment":"neutral","sentiment_score":0.3049649590005477},{"text":"On par, they've both got the 15% tax deducted out when the contribution, you know, is put in, whether it's done now or at tax time.","start":1674.725,"end":1683.75,"sentiment":"neutral","sentiment_score":0.14635115747268385},{"text":"You still pay 15% tax.","start":1684.0499,"end":1685.65,"sentiment":"neutral","sentiment_score":0.3034699738025665}],"sentiment":"neutral","sentiment_score":0.22924567784728675,"num_words":58,"start":1665.445,"end":1685.65},{"sentences":[{"text":"You still have the money invested, which is kind of great.","start":1685.65,"end":1688.45,"sentiment":"positive","sentiment_score":0.6028585840355266},{"text":"Either way, you're putting extra money into super.","start":1688.45,"end":1690.87,"sentiment":"positive","sentiment_score":0.4589232839643955},{"text":"And doing that now rather than waiting for four years down the track, the compounding effect is much greater.","start":1691.265,"end":1696.805,"sentiment":"neutral","sentiment_score":0.3077634031835355},{"text":"So yeah.","start":1697.8251,"end":1698.965,"sentiment":"neutral","sentiment_score":0.1613975316286087},{"text":"Definitely.","start":1699.505,"end":1700.005,"sentiment":"neutral","sentiment_score":0.22458559274673465}],"sentiment":"positive","sentiment_score":0.40726136616090447,"num_words":41,"start":1685.65,"end":1700.005},{"sentences":[{"text":"Yeah.","start":1701.025,"end":1701.525,"sentiment":"neutral","sentiment_score":0.1863742768764496},{"text":"Did you want me just to send you that email with the two or if you kind of made up your mind?","start":1701.745,"end":1705.765,"sentiment":"neutral","sentiment_score":0.091821059753949},{"text":"Yeah?","start":1706.145,"end":1706.645,"sentiment":"neutral","sentiment_score":0.0346996933221817},{"text":"Yep.","start":1706.8301,"end":1707.3301,"sentiment":"neutral","sentiment_score":0.06576132774353027},{"text":"Yeah.","start":1709.15,"end":1709.65,"sentiment":"neutral","sentiment_score":0.10677701234817503}],"sentiment":"neutral","sentiment_score":0.09283367787989286,"num_words":26,"start":1701.025,"end":1709.65},{"sentences":[{"text":"Beautiful.","start":1711.55,"end":1712.05,"sentiment":"positive","sentiment_score":0.5862621665000916},{"text":"Absolutely.","start":1712.43,"end":1712.93,"sentiment":"positive","sentiment_score":0.4215373396873474},{"text":"Well, let me know.","start":1713.2301,"end":1713.87,"sentiment":"neutral","sentiment_score":0.2590862661600113},{"text":"You'll have my email there as well.","start":1713.87,"end":1715.31,"sentiment":"neutral","sentiment_score":0.2659818891968046},{"text":"So you're welcome to email me back if you have additional questions or if you wanna get that go down the personal advice route.","start":1715.31,"end":1722.135,"sentiment":"neutral","sentiment_score":0.26966716907918453}],"sentiment":"neutral","sentiment_score":0.28048729332717687,"num_words":37,"start":1711.55,"end":1722.135},{"sentences":[{"text":"Absolutely happy to help you with that.","start":1722.135,"end":1723.995,"sentiment":"positive","sentiment_score":0.7621859908103943},{"text":"In the meantime, if you like, we can just leave everything as it is for the moment.","start":1724.295,"end":1727.815,"sentiment":"neutral","sentiment_score":0.05579223155098803},{"text":"We can do a catch up kind of around about June if you like just to see how things are tracking and maybe looking at updating the advice side of things for you because you are tracking towards retirement.","start":1728.0549,"end":1738.05,"sentiment":"neutral","sentiment_score":0.06995686487509654},{"text":"So we could always look to update the advice and maybe focus on retirement aspect and see where we're tracking what it looks like and what we can maybe do if there's anything to alter at that time.","start":1738.8301,"end":1747.79,"sentiment":"neutral","sentiment_score":0.07492490632361487},{"text":"Does that sound like something you'd like to do then?","start":1747.79,"end":1753.145,"sentiment":"neutral","sentiment_score":0.07369291111826896}],"sentiment":"neutral","sentiment_score":0.11347894733016556,"num_words":111,"start":1722.135,"end":1753.145},{"sentences":[{"text":"Yep.","start":1753.2051,"end":1753.7051,"sentiment":"neutral","sentiment_score":0.2538239359855652},{"text":"Beautiful.","start":1753.765,"end":1754.265,"sentiment":"positive","sentiment_score":0.6114181280136108},{"text":"Possible advice conversation around about June, and then if we can always touch base on how those contributions are going for you as well.","start":1754.3251,"end":1761.4451,"sentiment":"neutral","sentiment_score":0.29783140930036706},{"text":"Okay?","start":1761.4451,"end":1761.9451,"sentiment":"neutral","sentiment_score":0.15446913242340088},{"text":"Yep.","start":1762.72,"end":1763.22,"sentiment":"neutral","sentiment_score":0.19395413994789124}],"sentiment":"neutral","sentiment_score":0.2986292556992599,"num_words":28,"start":1753.2051,"end":1763.22},{"sentences":[{"text":"Perfect.","start":1763.5199,"end":1764.0199,"sentiment":"positive","sentiment_score":0.49150028824806213},{"text":"Well, good.","start":1765.5199,"end":1766.1599,"sentiment":"positive","sentiment_score":0.368799090385437},{"text":"Have absolutely.","start":1766.1599,"end":1767.46,"sentiment":"neutral","sentiment_score":0.14404011145234108},{"text":"Yes.","start":1767.9199,"end":1768.4199,"sentiment":"neutral","sentiment_score":0.0251462459564209},{"text":"Yep.","start":1776.815,"end":1777.0549,"sentiment":"neutral","sentiment_score":0.01674666255712509}],"sentiment":"neutral","sentiment_score":0.22272451434816634,"num_words":7,"start":1763.5199,"end":1777.0549},{"sentences":[{"text":"So at the moment, our ongoing service fees are 1.65% per annum.","start":1777.0549,"end":1781.875,"sentiment":"neutral","sentiment_score":0.006731237866915762},{"text":"At the moment, they cap it the balance is 600,000.","start":1782.255,"end":1785.475,"sentiment":"neutral","sentiment_score":0.000051256921142339704},{"text":"We are looking to change the fee very soon.","start":1786.095,"end":1789.35,"sentiment":"neutral","sentiment_score":0.036609463600648776},{"text":"However, when that comes into play, essentially, the higher your balance get, the lower your ongoing percentage becomes.","start":1789.35,"end":1795.03,"sentiment":"neutral","sentiment_score":-0.0025260975817218423},{"text":"So when that changes, we'll we'll come back, and I'll have a conversation with you and show you what that looks like.","start":1795.03,"end":1801.185,"sentiment":"neutral","sentiment_score":0.06668231382288715}],"sentiment":"neutral","sentiment_score":0.025807235826095436,"num_words":71,"start":1777.0549,"end":1801.185},{"sentences":[{"text":"But at the moment, under the current fee structure you have, you pay 1.65% per annum.","start":1801.265,"end":1807.2051,"sentiment":"neutral","sentiment_score":-0.020219327707309276},{"text":"That is capped at balances of 600,000.","start":1807.3451,"end":1809.925,"sentiment":"neutral","sentiment_score":-0.004049375653266907},{"text":"The 1.65% is deducted in small monthly increments as well, so it is essentially attached to the performance of your super.","start":1810.7051,"end":1818.45,"sentiment":"neutral","sentiment_score":0.04130143237610658},{"text":"So when your super is doing really well, when you're getting a great 11% return, then it does mean the amount we're getting is a little bit higher.","start":1818.75,"end":1825.87,"sentiment":"neutral","sentiment_score":0.1345451859358166},{"text":"However, if the mark was to take a bit of a dip, if we did see the market start because of what was happening in the world generally, then it means that our fee takes a bit of a dip there with it as well.","start":1825.87,"end":1836.265,"sentiment":"neutral","sentiment_score":-0.13172240787082248}],"sentiment":"neutral","sentiment_score":-0.014057845649365177,"num_words":117,"start":1801.265,"end":1836.265},{"sentences":[{"text":"So we're not charging you the same amount every month regardless of the performance of your super.","start":1836.265,"end":1841.3049,"sentiment":"neutral","sentiment_score":-0.07038170559441342},{"text":"So it is linked to the performance in a way as well.","start":1841.3049,"end":1843.865,"sentiment":"neutral","sentiment_score":0.03199349235122403},{"text":"Does that make sense?","start":1843.865,"end":1844.925,"sentiment":"neutral","sentiment_score":0.04062467534095049},{"text":"Yeah.","start":1857.665,"end":1858.165,"sentiment":"neutral","sentiment_score":0.14013636112213135},{"text":"Well, the the idea is in what we're sort of wanting to see is we're wanting to make sure that the that with your super that we make that 1.65%, but then you get additional on top of that.","start":1859.345,"end":1870.23,"sentiment":"neutral","sentiment_score":0.2457022181688211}],"sentiment":"neutral","sentiment_score":0.12428019841341939,"num_words":73,"start":1836.265,"end":1870.23},{"sentences":[{"text":"So the return I just gave you before is net of fees.","start":1870.79,"end":1874.57,"sentiment":"neutral","sentiment_score":0.29949050148328143},{"text":"So you've had, in the last twelve months from last year to now, an 11.45% return.","start":1875.19,"end":1881.0499,"sentiment":"positive","sentiment_score":0.36331258341670036},{"text":"As a dollar figure, you've made in gross and income $37,531.","start":1881.59,"end":1888.035,"sentiment":"neutral","sentiment_score":0.29175657575780695},{"text":"And that's after all the fees and rebates and costs have come out, so it's after your fees.","start":1888.4149,"end":1893.395,"sentiment":"neutral","sentiment_score":0.20761484859718216},{"text":"So whilst our fee has come out of the super, you've also made a really good return on top of that.","start":1893.9349,"end":1899.635,"sentiment":"positive","sentiment_score":0.4664694851353055}],"sentiment":"positive","sentiment_score":0.3352453352358097,"num_words":78,"start":1870.79,"end":1899.635},{"sentences":[{"text":"Yeah.","start":1901.6,"end":1902.1,"sentiment":"neutral","sentiment_score":0.1934524178504944},{"text":"Yeah.","start":1904.24,"end":1904.72,"sentiment":"neutral","sentiment_score":0.2116040289402008},{"text":"And the idea of having us they obviously we are as financial advisers, we are a service that we are here for you to utilize.","start":1904.72,"end":1912.1799,"sentiment":"neutral","sentiment_score":0.272501266002655},{"text":"So it does mean that we do wanna update the advice, reevaluate the investments that you know, when time comes as well, and provide additional advice to you.","start":1912.24,"end":1922.3351,"sentiment":"neutral","sentiment_score":0.2925669641367027},{"text":"There's no extra cost to the advice we do provide.","start":1922.7151,"end":1925.515,"sentiment":"neutral","sentiment_score":0.3152189329266548}],"sentiment":"neutral","sentiment_score":0.2855638834146353,"num_words":65,"start":1901.6,"end":1925.515},{"sentences":[{"text":"That's all part of being an ongoing service client as well.","start":1925.515,"end":1928.07,"sentiment":"positive","sentiment_score":0.4089502448385412},{"text":"So making sure you're getting value, helping you in whatever way we possibly can, reviewing the investments, your risk profile, helping you with additional advice when need be as well.","start":1928.07,"end":1938.5499,"sentiment":"neutral","sentiment_score":0.3203786094983419},{"text":"Does that make a little bit more sense?","start":1938.5499,"end":1940.33,"sentiment":"neutral","sentiment_score":0.06414447538554668},{"text":"Yeah.","start":1942.4551,"end":1942.9551,"sentiment":"neutral","sentiment_score":0.23434261977672577},{"text":"Yep.","start":1948.535,"end":1949.035,"sentiment":"neutral","sentiment_score":0.23528289794921875}],"sentiment":"neutral","sentiment_score":0.29593318233302995,"num_words":51,"start":1925.515,"end":1949.035},{"sentences":[{"text":"Yeah.","start":1949.175,"end":1949.675,"sentiment":"neutral","sentiment_score":0.286028653383255},{"text":"Yeah.","start":1953.03,"end":1953.53,"sentiment":"neutral","sentiment_score":0.16234567761421204},{"text":"Yeah.","start":1962.7101,"end":1963.1901,"sentiment":"neutral","sentiment_score":0.03567541390657425},{"text":"Well, as I kinda mentioned, we do wanna maybe update the advice this year just to kinda reflect some of the investments in there are doing really well.","start":1963.1901,"end":1970.8451,"sentiment":"neutral","sentiment_score":0.2326482946851424},{"text":"Some of them are a little bit down.","start":1970.8451,"end":1972.285,"sentiment":"neutral","sentiment_score":-0.20500836987048388}],"sentiment":"neutral","sentiment_score":0.1373880778749784,"num_words":39,"start":1949.175,"end":1972.285},{"sentences":[{"text":"So we might watch to see if there's maybe some changes to be made.","start":1972.285,"end":1977.185,"sentiment":"neutral","sentiment_score":-0.030576228396967053},{"text":"One of the investments you have in your portfolio at the moment is the Benelong Australian Equities.","start":1977.645,"end":1982.39,"sentiment":"neutral","sentiment_score":0.06596395263777059},{"text":"When you came on board, that was put in there to give you a little bit of the active management component in there.","start":1982.4501,"end":1987.91,"sentiment":"neutral","sentiment_score":0.02508136411399945},{"text":"Bennelong is something we do wanna look at maybe removing out of the portfolio.","start":1988.2101,"end":1992.0701,"sentiment":"neutral","sentiment_score":-0.09404350630939007},{"text":"It, like last year, has had a bit of an issue with one of its underlying investments.","start":1993.3301,"end":1998.105,"sentiment":"neutral","sentiment_score":-0.2091652935042101}],"sentiment":"neutral","sentiment_score":-0.04237914948231157,"num_words":85,"start":1972.285,"end":1998.105},{"sentences":[{"text":"Corporate Traveler was one of their companies that they had invested in through the fund.","start":1998.485,"end":2003.705,"sentiment":"neutral","sentiment_score":-0.13718985319137572},{"text":"They had been a bit dishonest to the market.","start":2004.165,"end":2006.165,"sentiment":"negative","sentiment_score":-0.560993825395902},{"text":"It had come out, and it meant that Benelongs had to reevaluate that portion of their investments.","start":2006.165,"end":2011.2,"sentiment":"negative","sentiment_score":-0.4088466360288508},{"text":"They kind of haven't really done a lot of active management in there in the past.","start":2012.0599,"end":2015.6599,"sentiment":"negative","sentiment_score":-0.3697762582451105},{"text":"They've kind of hold held on to everything.","start":2015.6599,"end":2018.32,"sentiment":"negative","sentiment_score":-0.33406784757971764}],"sentiment":"negative","sentiment_score":-0.34840227617667274,"num_words":65,"start":1998.485,"end":2018.32},{"sentences":[{"text":"But our investment committee have kind of looked at this investment option and gone, look.","start":2019.26,"end":2023.665,"sentiment":"neutral","sentiment_score":-0.19676609536012013},{"text":"It might be time to maybe move people out of it.","start":2023.665,"end":2026.8049,"sentiment":"neutral","sentiment_score":-0.28110024468465283},{"text":"It's not it's being downgraded as an investment.","start":2027.025,"end":2029.6849,"sentiment":"neutral","sentiment_score":-0.2825616430491209},{"text":"And in your portfolio, whilst you're up 11%, that one investment is down a little bit as well.","start":2029.745,"end":2035.665,"sentiment":"neutral","sentiment_score":-0.3084956097106139},{"text":"So this year, we are trying to move everyone out of Bennelong and put something in its place.","start":2035.665,"end":2041.79,"sentiment":"neutral","sentiment_score":-0.043425502048598394}],"sentiment":"neutral","sentiment_score":-0.2091238182570253,"num_words":70,"start":2019.26,"end":2041.79},{"sentences":[{"text":"Because you've had a great return, you are looking to put more money into super.","start":2042.25,"end":2045.69,"sentiment":"positive","sentiment_score":0.4568995515505473},{"text":"Happy to keep it there for just another few months.","start":2045.69,"end":2048.25,"sentiment":"positive","sentiment_score":0.40381487607955935},{"text":"But when we catch up in June, I definitely like to maybe look at the portfolio, maybe look at restructuring some things, and just seeing what the market looks like at that time for you.","start":2048.25,"end":2059.295,"sentiment":"neutral","sentiment_score":0.07979225228939738},{"text":"Okay.","start":2059.435,"end":2059.935,"sentiment":"neutral","sentiment_score":-0.016178522258996964},{"text":"We do.","start":2066.41,"end":2066.97,"sentiment":"neutral","sentiment_score":-0.039357865229249}],"sentiment":"neutral","sentiment_score":0.21570597795976532,"num_words":63,"start":2042.25,"end":2066.97},{"sentences":[{"text":"We still have to update the advice to reflect those sorts of changes.","start":2066.97,"end":2070.51,"sentiment":"neutral","sentiment_score":-0.07903537899255753},{"text":"If you wanted me to now just do an advice document, I can just do one now just to remove that along and put something in its place and provide that.","start":2071.13,"end":2079.9648,"sentiment":"neutral","sentiment_score":-0.02306241482015579},{"text":"We just can't move that investment out without updating the advice structure, and that's because the advice documents we've provided in the past have outlined what investments we're investing your money in and what percentage that money is being invested at.","start":2080.345,"end":2094.48,"sentiment":"neutral","sentiment_score":0.007423706170989246},{"text":"For us to change that investment, we have to update the advice to reflect.","start":2094.48,"end":2098.66,"sentiment":"neutral","sentiment_score":0.01449885977698224},{"text":"So it's it's kind of like you we make the decision for you and tell you what we're gonna do with the funds, but you get to decide whether you're comfortable with that decision or not.","start":2099.8398,"end":2110.4448,"sentiment":"neutral","sentiment_score":0.08246172711046205}],"sentiment":"neutral","sentiment_score":0.012841358366939757,"num_words":135,"start":2066.97,"end":2110.4448},{"sentences":[{"text":"And we still have to update the advice to make you aware of the changes and things like that.","start":2110.4448,"end":2116.045,"sentiment":"neutral","sentiment_score":0.03448553304923208},{"text":"So I did you want me just to update an investment only advice document now just to remove that along for you and put something else in its place and kind of make sure you're staying invested?","start":2116.045,"end":2126.87,"sentiment":"neutral","sentiment_score":0.015616034484795621},{"text":"Or yeah.","start":2126.87,"end":2132.01,"sentiment":"neutral","sentiment_score":-0.029505595564842224},{"text":"Yeah.","start":2134.2449,"end":2134.7449,"sentiment":"neutral","sentiment_score":0.1570366770029068},{"text":"That's okay.","start":2134.805,"end":2135.625,"sentiment":"positive","sentiment_score":0.36365996301174164}],"sentiment":"neutral","sentiment_score":0.03374366911097628,"num_words":61,"start":2110.4448,"end":2135.625},{"sentences":[{"text":"Yeah.","start":2140.805,"end":2141.305,"sentiment":"neutral","sentiment_score":0.2446642518043518},{"text":"Yeah.","start":2142.405,"end":2142.805,"sentiment":"neutral","sentiment_score":0.13317666947841644},{"text":"No.","start":2142.805,"end":2143.045,"sentiment":"neutral","sentiment_score":0.07387322187423706},{"text":"That's okay.","start":2143.045,"end":2143.765,"sentiment":"neutral","sentiment_score":0.14108437299728394},{"text":"I mean, I'm more than happy to do that if you're comfortable with me.","start":2143.765,"end":2146.62,"sentiment":"neutral","sentiment_score":0.29783064499497414}],"sentiment":"neutral","sentiment_score":0.2580795746884848,"num_words":19,"start":2140.805,"end":2146.62},{"sentences":[{"text":"I can just do an investment only document, which basically scopes everything else out.","start":2146.86,"end":2152.3801,"sentiment":"neutral","sentiment_score":0.1663102683212076},{"text":"We just I just look at the investments within the portfolio there, remove that along, and put something else in its place that's had a better past performance and will work better for you.","start":2152.3801,"end":2162.615,"sentiment":"neutral","sentiment_score":0.1574511008665842},{"text":"And I could also look at this maybe rebalancing the investments as well to make sure you're still invested in line with that kind of risk profile that we had you in.","start":2162.915,"end":2171.975,"sentiment":"neutral","sentiment_score":0.08581967977806926},{"text":"I'll obviously look at the tax consequences because when we buy and sell investments inside super, your super fund still does a tax return for you inside super.","start":2172.8,"end":2181.3,"sentiment":"neutral","sentiment_score":0.07219364706959043},{"text":"So I can minimize the CGT consequences and maybe remove that out and put something else in place and just do a bit of a rebalance for you and provide the updated advice.","start":2182.08,"end":2191.945,"sentiment":"neutral","sentiment_score":0.18856462429870258}],"sentiment":"neutral","sentiment_score":0.13242528835932413,"num_words":141,"start":2146.86,"end":2191.945},{"sentences":[{"text":"Would you like me to do that now for you?","start":2191.945,"end":2194.0452,"sentiment":"neutral","sentiment_score":0.23616275936365128},{"text":"Yeah.","start":2196.105,"end":2196.5051,"sentiment":"neutral","sentiment_score":0.06587004661560059},{"text":"Is there anything else kind of interest wise that you wanted to see in your portfolio, or you're sort of happy with whatever we decide making sure that, you know, we're looking after you?","start":2196.5051,"end":2206.93,"sentiment":"positive","sentiment_score":0.3484833485939923},{"text":"Yep.","start":2207.87,"end":2208.37,"sentiment":"neutral","sentiment_score":0.2113010585308075},{"text":"Yeah.","start":2215.085,"end":2215.585,"sentiment":"neutral","sentiment_score":-0.000057075172662734985}],"sentiment":"neutral","sentiment_score":0.3082377760809787,"num_words":47,"start":2191.945,"end":2215.585},{"sentences":[{"text":"Yeah.","start":2218.845,"end":2219.345,"sentiment":"neutral","sentiment_score":0.0932409167289734},{"text":"Absolutely.","start":2221.645,"end":2222.145,"sentiment":"neutral","sentiment_score":0.25574153661727905},{"text":"Yeah.","start":2224.285,"end":2224.785,"sentiment":"neutral","sentiment_score":0.08601365983486176},{"text":"Yeah.","start":2225.565,"end":2226.065,"sentiment":"neutral","sentiment_score":0.15160664916038513},{"text":"I mean, the other option is if you wanted me just to hold off on doing any advice for now, we can do a catch up in June where we can talk about the contributions that have been going in, look at the caps.","start":2226.365,"end":2237.08,"sentiment":"neutral","sentiment_score":0.15724330141463064}],"sentiment":"neutral","sentiment_score":0.15636058384552598,"num_words":48,"start":2218.845,"end":2237.08},{"sentences":[{"text":"We can talk about maybe restructuring the super.","start":2237.08,"end":2240.3,"sentiment":"neutral","sentiment_score":0.15859811753034592},{"text":"We can restructure maybe the the investments as a whole, and I can incorporate to a limited extent the retirement aspect.","start":2240.36,"end":2248.605,"sentiment":"neutral","sentiment_score":0.23500558662982213},{"text":"So I can show you what the recommendations are and what we wanna do to change your portfolio now, but then also show you over the you know, in the next six years what this might look like for you at the age of 62 and where we should be tracking and how long super should last you from 62 onwards based on those recommendations.","start":2248.605,"end":2267.14,"sentiment":"neutral","sentiment_score":0.2900467492066897},{"text":"It is a much bigger advice piece to do, but I'm more than happy to do that for you.","start":2267.68,"end":2272.435,"sentiment":"positive","sentiment_score":0.6898842469642037},{"text":"That is part of my job, making sure that we're looking that far ahead and taking into account your retirement aspect.","start":2272.435,"end":2278.855,"sentiment":"positive","sentiment_score":0.542245803844361}],"sentiment":"positive","sentiment_score":0.3697903248578755,"num_words":134,"start":2237.08,"end":2278.855},{"sentences":[{"text":"Would you like to do just the investments now, or did you want me to do a bigger advice piece with you in June and really nut down what your goals are moving forward and look at the retirement aspect for you?","start":2279.075,"end":2289.48,"sentiment":"neutral","sentiment_score":0.3195332231975737},{"text":"The second one?","start":2291.78,"end":2292.84,"sentiment":"neutral","sentiment_score":0.05759550382693609},{"text":"Yeah.","start":2294.26,"end":2294.76,"sentiment":"neutral","sentiment_score":0.2718082666397095},{"text":"Perfect.","start":2294.82,"end":2295.3,"sentiment":"positive","sentiment_score":0.4678034782409668},{"text":"It's really important that we do consider that because you are six years away, and there's a lot of time between now and six years.","start":2295.3,"end":2300.7449,"sentiment":"neutral","sentiment_score":0.07224381178617477}],"sentiment":"neutral","sentiment_score":0.22415123507380486,"num_words":72,"start":2279.075,"end":2300.7449},{"sentences":[{"text":"A lot can happen, but at the same time, as you said, you're getting closer to retirement.","start":2300.7449,"end":2305.165,"sentiment":"neutral","sentiment_score":0.1125714794787414},{"text":"It's important to think about what this looks like for you, and we can factor in the increase, the contributions, maybe alter the portfolio a bit.","start":2305.545,"end":2312.82,"sentiment":"neutral","sentiment_score":0.1449656132608652},{"text":"I can even look at, you know, look at the super fund the way we did last time, maybe look at cheaper super funds or something.","start":2312.9001,"end":2318.76,"sentiment":"neutral","sentiment_score":0.11113458284391807},{"text":"But then also look at, in six years' time, based on my recommendations, what does this look like for you?","start":2319.22,"end":2326.1,"sentiment":"neutral","sentiment_score":0.06848820298910141},{"text":"And when you start drawing an income out of super, how long is super expected to last?","start":2326.1,"end":2331.0452,"sentiment":"neutral","sentiment_score":0.052166615996290654}],"sentiment":"neutral","sentiment_score":0.1021595922790749,"num_words":106,"start":2300.7449,"end":2331.0452},{"sentences":[{"text":"You know, are you then eligible for age pension?","start":2331.0452,"end":2333.5452,"sentiment":"neutral","sentiment_score":0.050960424873563975},{"text":"And, you know, what can we do to kind of make sure everything lasts a long time?","start":2333.845,"end":2337.7651,"sentiment":"neutral","sentiment_score":0.09817789122462273},{"text":"Because once you get to 60 or 62 and you do retire, you still normally have about twenty to thirty years in retirement that you have to be able to draw income out for.","start":2337.7651,"end":2348.69,"sentiment":"neutral","sentiment_score":0.07101191569338827},{"text":"So longevity past that point is also really important to factor in, and that's something that I do a lot of here.","start":2348.69,"end":2355.41,"sentiment":"neutral","sentiment_score":0.19143552028320052},{"text":"So yeah.","start":2355.41,"end":2363.965,"sentiment":"neutral","sentiment_score":0.17629850655794144}],"sentiment":"neutral","sentiment_score":0.10840775675716854,"num_words":84,"start":2331.0452,"end":2363.965},{"sentences":[{"text":"Yeah.","start":2365.3052,"end":2365.625,"sentiment":"neutral","sentiment_score":0.2451799362897873},{"text":"Absolutely.","start":2365.625,"end":2366.125,"sentiment":"neutral","sentiment_score":0.2869764566421509},{"text":"Well, I'll tell you what I'll do.","start":2366.345,"end":2367.465,"sentiment":"neutral","sentiment_score":0.06182239204645157},{"text":"I will not do anything right now.","start":2367.465,"end":2369.3052,"sentiment":"neutral","sentiment_score":-0.22449110874107905},{"text":"I will send you the email with information, the contributions.","start":2369.3052,"end":2371.79,"sentiment":"neutral","sentiment_score":0.03269570991396904}],"sentiment":"neutral","sentiment_score":-0.01075259710733707,"num_words":26,"start":2365.3052,"end":2371.79},{"sentences":[{"text":"I'll put a little thing in my calendar.","start":2372.25,"end":2373.85,"sentiment":"neutral","sentiment_score":0.13553790654987097},{"text":"One of my beautiful admin team, Michelle, will probably touch base early June.","start":2373.85,"end":2378.01,"sentiment":"neutral","sentiment_score":0.24033522376647362},{"text":"We'll book you in for a catch up chat.","start":2378.01,"end":2381.23,"sentiment":"neutral","sentiment_score":0.2838616602950626},{"text":"We can go through, reevaluate everything, have a really good look at what your goals are.","start":2381.37,"end":2385.69,"sentiment":"positive","sentiment_score":0.37189376540482044},{"text":"It also gives you a bit of time between now and then to think about what your retirement looks like for you, what kinda income you might wanna live on on a weekly or monthly basis, and what what you wanna do in those retirement years, how do you wanna spend those years, and then we can formulate a tailored advice document, personal advice on what that looks like, change the investments, maybe look at the super fund, and look at the long term retirement aspect for you as well.","start":2385.69,"end":2411.31,"sentiment":"neutral","sentiment_score":0.20994895100593566}],"sentiment":"neutral","sentiment_score":0.2324200142722796,"num_words":136,"start":2372.25,"end":2411.31},{"sentences":[{"text":"Okay?","start":2411.31,"end":2411.81,"sentiment":"neutral","sentiment_score":0.12153171002864838},{"text":"Yep.","start":2413.235,"end":2413.735,"sentiment":"neutral","sentiment_score":0.17594361305236816},{"text":"Perfect.","start":2414.7551,"end":2415.2551,"sentiment":"positive","sentiment_score":0.6628459692001343},{"text":"All good.","start":2415.395,"end":2416.215,"sentiment":"positive","sentiment_score":0.37022560834884644},{"text":"Is did you have any other questions that you wanted to ask while you do have me here?","start":2416.5151,"end":2420.355,"sentiment":"neutral","sentiment_score":0.02898232675054007}],"sentiment":"neutral","sentiment_score":0.0966284517603724,"num_words":23,"start":2411.31,"end":2420.355},{"sentences":[{"text":"Have I answered those ones sufficiently?","start":2420.355,"end":2422.0552,"sentiment":"neutral","sentiment_score":-0.012226628760496775},{"text":"Do you yeah.","start":2422.195,"end":2423.575,"sentiment":"neutral","sentiment_score":-0.016790819664796192},{"text":"Perfect.","start":2427.41,"end":2427.91,"sentiment":"positive","sentiment_score":0.6185717582702637},{"text":"Perfect.","start":2428.29,"end":2428.79,"sentiment":"positive","sentiment_score":0.7061771154403687},{"text":"Beautiful.","start":2430.3699,"end":2430.8699,"sentiment":"positive","sentiment_score":0.7543697357177734}],"sentiment":"neutral","sentiment_score":0.1629488648225864,"num_words":12,"start":2420.355,"end":2430.8699},{"sentences":[{"text":"Well, if there is anything else that you think of, I'll you'll have my email address, and I'll send you that email shortly this afternoon.","start":2431.17,"end":2437.27,"sentiment":"neutral","sentiment_score":0.167167249917984},{"text":"And you can always email me back, and we can touch base.","start":2437.855,"end":2440.335,"sentiment":"neutral","sentiment_score":0.16360203611354032},{"text":"And I'll make a point that June we touch base again, and we sort of reevaluate all the advice for you.","start":2440.335,"end":2445.615,"sentiment":"neutral","sentiment_score":0.1700623780488968},{"text":"Okay?","start":2445.615,"end":2446.115,"sentiment":"neutral","sentiment_score":0.08888694643974304},{"text":"Easy.","start":2448.495,"end":2448.995,"sentiment":"positive","sentiment_score":0.5607835650444031}],"sentiment":"neutral","sentiment_score":0.17272310219705106,"num_words":60,"start":2431.17,"end":2448.995},{"sentences":[{"text":"Not a problem at all.","start":2449.215,"end":2450.675,"sentiment":"positive","sentiment_score":0.47843695282936094},{"text":"I hope you yeah.","start":2451.2952,"end":2456.26,"sentiment":"positive","sentiment_score":0.6465808376669884},{"text":"Yeah.","start":2460.32,"end":2460.82,"sentiment":"positive","sentiment_score":0.5338939428329468},{"text":"That's okay, Jamie.","start":2461.28,"end":2462.32,"sentiment":"positive","sentiment_score":0.4380815227826436},{"text":"If you're ever concerned about anything, let me know.","start":2462.32,"end":2464.6401,"sentiment":"neutral","sentiment_score":0.2905031012164222}],"sentiment":"positive","sentiment_score":0.42914429713379254,"num_words":22,"start":2449.215,"end":2464.6401},{"sentences":[{"text":"That's what we're here for.","start":2464.6401,"end":2465.9402,"sentiment":"positive","sentiment_score":0.3691896438598633},{"text":"I will always make time to touch base with you and answer any questions you have.","start":2466.08,"end":2469.585,"sentiment":"positive","sentiment_score":0.40548327937722206},{"text":"Okay?","start":2469.585,"end":2470.085,"sentiment":"neutral","sentiment_score":0.1992998719215393},{"text":"My pleasure.","start":2472.551,"end":2473.191,"sentiment":"positive","sentiment_score":0.8018635809421539},{"text":"Have a safe flight.","start":2473.191,"end":2474.231,"sentiment":"positive","sentiment_score":0.787222146987915}],"sentiment":"positive","sentiment_score":0.47448558253901346,"num_words":28,"start":2464.6401,"end":2474.231},{"sentences":[{"text":"Have a good afternoon and lovely rest, and I'll get that email out to you shortly.","start":2474.231,"end":2478.011,"sentiment":"positive","sentiment_score":0.6807276196777821},{"text":"My pleasure.","start":2480.551,"end":2481.191,"sentiment":"positive","sentiment_score":0.6509042680263519},{"text":"See you later.","start":2481.191,"end":2482.091,"sentiment":"positive","sentiment_score":0.43140576283137005},{"text":"Bye.","start":2482.151,"end":2482.651,"sentiment":"neutral","sentiment_score":-0.08300590515136719}],"sentiment":"positive","sentiment_score":0.6093028106472709,"num_words":22,"start":2474.231,"end":2482.651}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thanks. How are you? Yeah. Yep. Good. I just finished night shift and just landed in Perth. So on the way home. Mhmm. Yeah. For sure. Yeah. Yeah. Jamie Lee Pinon, twenty sixth of the second seventy Spot one three four Iron Lane, Caribbean, Park, Odellville. That's not good. No. Yeah. We're through it. We've got enough of them. Yeah. Well, I already sell it in sacrifice. So I was just wondering, can I salary sacrifice more to use those caps, or does it have to be after tax money to use those caps? Change it back. Yes. Yeah. Well, for me personally, I was I was waiting to talk to you today, but when I go back to work next week, I was thinking about going and adjusting the percentage I do, salary sacrifice. And I'm aware of the cap and the five years and the 500, so I would keep an eye on it and knock it back down. Yeah. Yeah. It goes up this year, doesn't it? And another thing with the yeah. Another thing with the caps is the caps is that, like, if all their tax comes out of it, like, they take 15% tax, is it? Yeah. I thought so. Yeah. Yeah. Well, I shouldn't because it doesn't actually make it in there, does it? Yeah. Yeah. Yeah. Yeah. That's fine. Okay. And that comes out of my face, isn't it? Or is that extra? Yeah. Okay. Because I'm not that real good with the finance either, but I I see this as relatively straightforward. I I I yeah. So I think I'll be alright. Yes. Yeah. Okay. Cool. Yeah. See where I was at and yeah. And because I remember last time when the Ukraine war broke out, they've been telling me to go defensive more. I didn't know if I should be trying to yeah. I don't know what this war they're doing now is gonna affect anything yet or just wait. Just ride it out a bit. Yep. Yeah. Yes. Okay. Yeah. Yeah. Yeah. Okay. Yeah. No. I'm happy to sit tight and ride it out a bit. Yeah. Because I know that part. So if you panic now, you may be loose, but just sort of ride it out. Yeah. Six 62 is probably more the case. Because when I get 60, they wanna put me on job share work, which means virtually semi retired. It's like work two weeks, four weeks off, work two weeks, four weeks off. Yeah. On the it probably still around a 130, maybe a 100 and 42,000 a year or something, I think. Yeah. Yes. Yeah. And another thing about those caps, if I go to my HR when I come back to work because they always ask for a percentage of what? So that 49,000 cap that I've got now, I can use. Can that be, like, 5,000 a year or 10,000 a year or something like that? Or that is yeah. Yeah. Yeah. Well, I have to go and have a look at it again, but I'm pretty sure the oldest year was 7000 something. So yeah. I'd I'd have a before I do it all, I'll go and have a look again on myGov where it was. And what I roughly thought about when I first initially looked at, maybe I'll increase it to another 5,000 a year, and then I can sort of just set it and forget it for a few years anyway. Well, maybe two or three. Yeah. Yeah. $1.33, and then I'll get a bonus of that. So, yeah, it's $1.46, I think. No. Yeah. Just on my base. Yeah. And if I get a annual pay rise 4% every year. No. No. I don't think so. Yes. I think I do because I I think they match share. Oh, match shares. Is it all they match my contribution, I think. No. I can't really remember. Yep. I think it's only $5,540, I think it is, a fortnight. Yeah. Yeah. Yeah. That sounds about right because I tried to keep it under the the towels in the cap. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. That's right. So in saying that, just say that first year, the oldest year is '7 thousand, which I'm pretty sure it was. $5.40 would be too much, wouldn't it? I sort of wanna have that again. Well, that's what I was intending to do. I was amazed to use everything I can. I don't know. It just sit there, isn't it? I'm not sure if that's the way I'd look at it, but oh, yeah. Yeah. I was just sort of well, I wanted to get, like, the average so I could leave it for or at least I till I hit 500,000. And what was still manageable for me to take home, you know? So yeah. Yeah. Yeah. Yeah. And this gross before they tax it, isn't it? Alright. So what would that be as the percent payment? Yeah. Because when they ask me to fill out this form, it's always just a percentage. I think when I get the form, it's a, like, a live form. It'll probably I'll just have to update what I'm gonna salary sacrifice. I'm not sure what it is at the moment, but I don't know. Say it's 19%. Maybe I have to put in there 20% or 21% like that. Yeah. Okay. Yes. Okay. Yeah. That'd be great if you could because, yeah, I'm taking two weeks off now. So I've got ample time to have a look on that because I wanna try and make my mind up when I get back to work. I wanna do it, like, ASAP too, I think. And that well, I I think with me and my abilities, it's a better option. Yeah. Yeah. Yeah. Well, I think for me financially, I could I could easily, but I think the peace of mind is someone else was taking care of it, and it's all said and done, and and it's it requires nothing more from me. You know? It makes more sense for me. But do you think they're based on a power either way? Like Yeah. Yeah. Yeah. Okay. Great. Yeah. No. I'm I would like to read something when I'm just sitting home and having a coffee when I finally get home. But yeah. Yeah. Yep. Yep. Yeah. Sounds good. Yeah. Yep. And the other one, I think, was the fees. I was trying to see how much fees or when does it get capped, my fees? Right. Yeah. Yeah. No. That's because I was just concerned that it's a little bit higher for the returns I've got, like, example, this year. Because when I first joined, it was it was quite substantial return, I think, the first couple of years. Alright. Okay. Yep. Yeah. No. It's good. Yeah. Because the one I need one on the email was at the cap from what we've already talked about. You can send me that email. It'll be great. I'll get on top of that next week two weeks when I get back to work. And I think, honestly, for me, I'm pretty simple and basic, but it'll be the transition into retirement. It'll be the next one I'll need advice on. Yes. Yeah. But in those sort of decisions, I don't have anything to do with them. You're doing all that, I Well, if it like, I I've mentioned this more than once, but I know nothing about it and that's why I've come with you guys. So I'm I'm happy to, you know, follow your lead like I've done so far. I'm still making money since I've been with you. So Yeah. Yeah. I'm happy with that. Yeah. Yeah. Yeah. That and that was the biggest thing about my call the other week was, like, it's getting close to retirement for me and that. So I've sort of been blase over, like, many years, but I'm just trying to sort of keep on top of it or, you know, keep active in it to a certain degree. Yeah. Yeah. Yeah. The second one. Yeah. That'd be that sounds really interesting. Yeah. Yeah. Yeah. Well, that sounds like, well, perfect, actually, to have a have that advice, then I could read through it and see where I'm at. Yep. Yep. Yep. No. It sounds good. No. You've done you've you've given me more than enough to think about on the plane shortly and for the next two weeks. Yeah. Okay. Great. Alright. Well, thanks very much for the call. I feel well, not better, but I feel more informed and, well, I feel like making some good choices anyway. Thanks very much. Okay. Thanks very much. Alright then. Bye. Thank you. 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Good. Thanks. How are you? Yeah.\n\nYep. Good. I just finished night shift and just landed in Perth. So on the way home. Mhmm.\n\nYeah. For sure. Yeah. Yeah. Jamie Lee Pinon, twenty sixth of the second seventy Spot one three four Iron Lane, Caribbean, Park, Odellville.\n\nThat's not good. No. Yeah. We're through it. We've got enough of them.\n\nYeah. Well, I already sell it in sacrifice. So I was just wondering, can I salary sacrifice more to use those caps, or does it have to be after tax money to use those caps? Change it back. Yes.\n\nYeah. Well, for me personally, I was I was waiting to talk to you today, but when I go back to work next week, I was thinking about going and adjusting the percentage I do, salary sacrifice. And I'm aware of the cap and the five years and the 500, so I would keep an eye on it and knock it back down. Yeah. Yeah.\n\nIt goes up this year, doesn't it? And another thing with the yeah. Another thing with the caps is the caps is that, like, if all their tax comes out of it, like, they take 15% tax, is it? Yeah. I thought so.\n\nYeah. Yeah. Well, I shouldn't because it doesn't actually make it in there, does it? Yeah. Yeah.\n\nYeah. Yeah. That's fine. Okay. And that comes out of my face, isn't it?\n\nOr is that extra? Yeah. Okay. Because I'm not that real good with the finance either, but I I see this as relatively straightforward. I I I yeah.\n\nSo I think I'll be alright. Yes. Yeah. Okay. Cool.\n\nYeah. See where I was at and yeah. And because I remember last time when the Ukraine war broke out, they've been telling me to go defensive more. I didn't know if I should be trying to yeah. I don't know what this war they're doing now is gonna affect anything yet or just wait.\n\nJust ride it out a bit. Yep. Yeah. Yes. Okay.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nNo. I'm happy to sit tight and ride it out a bit. Yeah. Because I know that part. So if you panic now, you may be loose, but just sort of ride it out.\n\nYeah. Six 62 is probably more the case. Because when I get 60, they wanna put me on job share work, which means virtually semi retired. It's like work two weeks, four weeks off, work two weeks, four weeks off. Yeah.\n\nOn the it probably still around a 130, maybe a 100 and 42,000 a year or something, I think. Yeah. Yes. Yeah. And another thing about those caps, if I go to my HR when I come back to work because they always ask for a percentage of what?\n\nSo that 49,000 cap that I've got now, I can use. Can that be, like, 5,000 a year or 10,000 a year or something like that? Or that is yeah. Yeah. Yeah.\n\nWell, I have to go and have a look at it again, but I'm pretty sure the oldest year was 7000 something. So yeah. I'd I'd have a before I do it all, I'll go and have a look again on myGov where it was. And what I roughly thought about when I first initially looked at, maybe I'll increase it to another 5,000 a year, and then I can sort of just set it and forget it for a few years anyway. Well, maybe two or three.\n\nYeah. Yeah. $1.33, and then I'll get a bonus of that. So, yeah, it's $1.46, I think. No.\n\nYeah. Just on my base. Yeah. And if I get a annual pay rise 4% every year. No.\n\nNo. I don't think so. Yes. I think I do because I I think they match share. Oh, match shares.\n\nIs it all they match my contribution, I think. No. I can't really remember. Yep. I think it's only $5,540, I think it is, a fortnight.\n\nYeah. Yeah. Yeah. That sounds about right because I tried to keep it under the the towels in the cap. Yeah.\n\nYeah. Yeah. Yeah. Okay. Yeah.\n\nThat's right. So in saying that, just say that first year, the oldest year is '7 thousand, which I'm pretty sure it was. $5.40 would be too much, wouldn't it? I sort of wanna have that again. Well, that's what I was intending to do.\n\nI was amazed to use everything I can. I don't know. It just sit there, isn't it? I'm not sure if that's the way I'd look at it, but oh, yeah. Yeah.\n\nI was just sort of well, I wanted to get, like, the average so I could leave it for or at least I till I hit 500,000. And what was still manageable for me to take home, you know? So yeah. Yeah. Yeah.\n\nYeah. And this gross before they tax it, isn't it? Alright. So what would that be as the percent payment? Yeah.\n\nBecause when they ask me to fill out this form, it's always just a percentage. I think when I get the form, it's a, like, a live form. It'll probably I'll just have to update what I'm gonna salary sacrifice. I'm not sure what it is at the moment, but I don't know. Say it's 19%.\n\nMaybe I have to put in there 20% or 21% like that. Yeah. Okay. Yes. Okay.\n\nYeah. That'd be great if you could because, yeah, I'm taking two weeks off now. So I've got ample time to have a look on that because I wanna try and make my mind up when I get back to work. I wanna do it, like, ASAP too, I think. And that well, I I think with me and my abilities, it's a better option.\n\nYeah. Yeah. Yeah. Well, I think for me financially, I could I could easily, but I think the peace of mind is someone else was taking care of it, and it's all said and done, and and it's it requires nothing more from me. You know?\n\nIt makes more sense for me. But do you think they're based on a power either way? Like Yeah. Yeah. Yeah.\n\nOkay. Great. Yeah. No. I'm I would like to read something when I'm just sitting home and having a coffee when I finally get home.\n\nBut yeah. Yeah. Yep. Yep. Yeah.\n\nSounds good. Yeah. Yep. And the other one, I think, was the fees. I was trying to see how much fees or when does it get capped, my fees?\n\nRight. Yeah. Yeah. No. That's because I was just concerned that it's a little bit higher for the returns I've got, like, example, this year.\n\nBecause when I first joined, it was it was quite substantial return, I think, the first couple of years. Alright. Okay. Yep. Yeah.\n\nNo. It's good. Yeah. Because the one I need one on the email was at the cap from what we've already talked about. You can send me that email.\n\nIt'll be great. I'll get on top of that next week two weeks when I get back to work. And I think, honestly, for me, I'm pretty simple and basic, but it'll be the transition into retirement. It'll be the next one I'll need advice on. Yes.\n\nYeah. But in those sort of decisions, I don't have anything to do with them. You're doing all that, I Well, if it like, I I've mentioned this more than once, but I know nothing about it and that's why I've come with you guys. So I'm I'm happy to, you know, follow your lead like I've done so far. I'm still making money since I've been with you.\n\nSo Yeah. Yeah. I'm happy with that. Yeah. Yeah.\n\nYeah. That and that was the biggest thing about my call the other week was, like, it's getting close to retirement for me and that. So I've sort of been blase over, like, many years, but I'm just trying to sort of keep on top of it or, you know, keep active in it to a certain degree. Yeah. Yeah.\n\nYeah. The second one. Yeah. That'd be that sounds really interesting. Yeah.\n\nYeah. Yeah. Well, that sounds like, well, perfect, actually, to have a have that advice, then I could read through it and see where I'm at. Yep. Yep.\n\nYep. No. It sounds good. No. You've done you've you've given me more than enough to think about on the plane shortly and for the next two weeks.\n\nYeah. Okay. Great. Alright. Well, thanks very much for the call.\n\nI feel well, not better, but I feel more informed and, well, I feel like making some good choices anyway. Thanks very much. Okay. Thanks very much. Alright then.\n\nBye. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.022900748997926712},{"text":"Good.","start":5.68,"end":6.0,"sentiment":"positive","sentiment_score":0.4761912226676941},{"text":"Thanks.","start":6.0,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5200203657150269},{"text":"How are you?","start":6.3199997,"end":6.98,"sentiment":"neutral","sentiment_score":0.3033385177453359},{"text":"Yeah.","start":12.32,"end":12.82,"sentiment":"neutral","sentiment_score":0.08743125200271606}],"sentiment":"neutral","sentiment_score":0.28807987751705305,"num_words":7,"start":0.56,"end":12.82},{"sentences":[{"text":"Yep.","start":13.04,"end":13.54,"sentiment":"neutral","sentiment_score":0.10119545459747314},{"text":"Good.","start":17.385,"end":17.625,"sentiment":"neutral","sentiment_score":0.28559601306915283},{"text":"I just finished night shift and just landed in Perth.","start":17.625,"end":20.445,"sentiment":"neutral","sentiment_score":0.20533968061208724},{"text":"So on the way home.","start":21.065,"end":22.185,"sentiment":"neutral","sentiment_score":0.1421746701002121},{"text":"Mhmm.","start":22.185,"end":22.685,"sentiment":"neutral","sentiment_score":0.11891023814678192}],"sentiment":"neutral","sentiment_score":0.18166510346863005,"num_words":18,"start":13.04,"end":22.685},{"sentences":[{"text":"Yeah.","start":27.305,"end":27.75,"sentiment":"neutral","sentiment_score":0.19751913845539093},{"text":"For sure.","start":28.87,"end":29.61,"sentiment":"neutral","sentiment_score":0.20160400867462158},{"text":"Yeah.","start":32.71,"end":33.21,"sentiment":"neutral","sentiment_score":0.08616922795772552},{"text":"Yeah.","start":44.395,"end":44.895,"sentiment":"neutral","sentiment_score":0.12145332247018814},{"text":"Jamie Lee Pinon, twenty sixth of the second seventy Spot one three four Iron Lane, Caribbean, Park, Odellville.","start":53.355,"end":60.43,"sentiment":"neutral","sentiment_score":0.026655160977194708}],"sentiment":"neutral","sentiment_score":0.0560062001661762,"num_words":23,"start":27.305,"end":60.43},{"sentences":[{"text":"That's not good.","start":65.85,"end":66.91,"sentiment":"negative","sentiment_score":-0.3966466287771861},{"text":"No.","start":71.085,"end":71.585,"sentiment":"neutral","sentiment_score":-0.1238422468304634},{"text":"Yeah.","start":71.885,"end":72.365,"sentiment":"neutral","sentiment_score":-0.05890519917011261},{"text":"We're through it.","start":72.365,"end":73.245,"sentiment":"neutral","sentiment_score":-0.06341129293044408},{"text":"We've got enough of them.","start":73.245,"end":74.625,"sentiment":"neutral","sentiment_score":-0.05027030408382416}],"sentiment":"neutral","sentiment_score":-0.13955944088789132,"num_words":13,"start":65.85,"end":74.625},{"sentences":[{"text":"Yeah.","start":78.445,"end":78.945,"sentiment":"neutral","sentiment_score":-0.04783275723457336},{"text":"Well, I already sell it in sacrifice.","start":96.979996,"end":99.479996,"sentiment":"neutral","sentiment_score":-0.12282488601548332},{"text":"So I was just wondering, can I salary sacrifice more to use those caps, or does it have to be after tax money to use those caps?","start":101.945,"end":110.284996,"sentiment":"neutral","sentiment_score":-0.08505458798673418},{"text":"Change it back.","start":142.03,"end":142.91,"sentiment":"neutral","sentiment_score":-0.07657007966190575},{"text":"Yes.","start":142.91,"end":143.41,"sentiment":"neutral","sentiment_score":0.11809661239385603}],"sentiment":"neutral","sentiment_score":-0.08501780670709334,"num_words":39,"start":78.445,"end":143.41},{"sentences":[{"text":"Yeah.","start":162.135,"end":162.455,"sentiment":"neutral","sentiment_score":0.0913625955581665},{"text":"Well, for me personally, I was I was waiting to talk to you today, but when I go back to work next week, I was thinking about going and adjusting the percentage I do, salary sacrifice.","start":162.455,"end":175.05,"sentiment":"neutral","sentiment_score":0.05075325082159705},{"text":"And I'm aware of the cap and the five years and the 500, so I would keep an eye on it and knock it back down.","start":176.31,"end":183.735,"sentiment":"neutral","sentiment_score":0.04056407941075472},{"text":"Yeah.","start":200.65001,"end":201.15001,"sentiment":"neutral","sentiment_score":0.018486665561795235},{"text":"Yeah.","start":207.745,"end":208.065,"sentiment":"neutral","sentiment_score":0.039365991950035095}],"sentiment":"neutral","sentiment_score":0.04663074380503251,"num_words":65,"start":162.135,"end":208.065},{"sentences":[{"text":"It goes up this year, doesn't it?","start":208.065,"end":209.765,"sentiment":"neutral","sentiment_score":0.003544037263574345},{"text":"And another thing with the yeah.","start":222.82,"end":225.24,"sentiment":"neutral","sentiment_score":0.05874229222536087},{"text":"Another thing with the caps is the caps is that, like, if all their tax comes out of it, like, they take 15% tax, is it?","start":225.3,"end":233.955,"sentiment":"neutral","sentiment_score":-0.023226926246514686},{"text":"Yeah.","start":258.69998,"end":259.02,"sentiment":"neutral","sentiment_score":0.023130349814891815},{"text":"I thought so.","start":259.02,"end":259.91998,"sentiment":"neutral","sentiment_score":0.009648362174630165}],"sentiment":"neutral","sentiment_score":-0.004059596090079393,"num_words":43,"start":208.065,"end":259.91998},{"sentences":[{"text":"Yeah.","start":260.13998,"end":260.63998,"sentiment":"neutral","sentiment_score":-0.03109263814985752},{"text":"Yeah.","start":271.475,"end":271.975,"sentiment":"neutral","sentiment_score":-0.03746676817536354},{"text":"Well, I shouldn't because it doesn't actually make it in there, does it?","start":272.035,"end":275.17502,"sentiment":"neutral","sentiment_score":-0.10208445128339988},{"text":"Yeah.","start":288.88998,"end":289.38998,"sentiment":"neutral","sentiment_score":-0.004827279597520828},{"text":"Yeah.","start":289.61,"end":290.11,"sentiment":"neutral","sentiment_score":0.01688035950064659}],"sentiment":"neutral","sentiment_score":-0.08138848194742904,"num_words":17,"start":260.13998,"end":290.11},{"sentences":[{"text":"Yeah.","start":293.915,"end":294.155,"sentiment":"neutral","sentiment_score":0.19927147030830383},{"text":"Yeah.","start":294.155,"end":294.655,"sentiment":"neutral","sentiment_score":0.1980406939983368},{"text":"That's fine.","start":300.875,"end":301.775,"sentiment":"neutral","sentiment_score":0.2963181138038635},{"text":"Okay.","start":314.69,"end":315.09,"sentiment":"neutral","sentiment_score":0.09073318541049956},{"text":"And that comes out of my face, isn't it?","start":315.09,"end":317.19,"sentiment":"neutral","sentiment_score":0.06212118185228772}],"sentiment":"neutral","sentiment_score":0.11712658671396119,"num_words":14,"start":293.915,"end":317.19},{"sentences":[{"text":"Or is that extra?","start":318.37,"end":319.43,"sentiment":"neutral","sentiment_score":0.007284754887223244},{"text":"Yeah.","start":341.3,"end":341.8,"sentiment":"neutral","sentiment_score":0.17770259082317352},{"text":"Okay.","start":354.805,"end":355.125,"sentiment":"neutral","sentiment_score":0.1704651266336441},{"text":"Because I'm not that real good with the finance either, but I I see this as relatively straightforward.","start":355.125,"end":361.705,"sentiment":"neutral","sentiment_score":0.014040330217944251},{"text":"I I I yeah.","start":363.90002,"end":364.78,"sentiment":"neutral","sentiment_score":0.18035055696964264}],"sentiment":"neutral","sentiment_score":0.048265532457402775,"num_words":28,"start":318.37,"end":364.78},{"sentences":[{"text":"So I think I'll be alright.","start":364.78,"end":366.24002,"sentiment":"neutral","sentiment_score":0.3310745706160863},{"text":"Yes.","start":378.005,"end":378.505,"sentiment":"neutral","sentiment_score":0.15791776776313782},{"text":"Yeah.","start":390.19998,"end":390.69998,"sentiment":"neutral","sentiment_score":0.1792183667421341},{"text":"Okay.","start":405.525,"end":406.025,"sentiment":"neutral","sentiment_score":0.2081642746925354},{"text":"Cool.","start":406.085,"end":406.585,"sentiment":"positive","sentiment_score":0.5567957758903503}],"sentiment":"neutral","sentiment_score":0.30885436087846757,"num_words":10,"start":364.78,"end":406.585},{"sentences":[{"text":"Yeah.","start":416.32498,"end":416.725,"sentiment":"neutral","sentiment_score":0.026050971820950508},{"text":"See where I was at and yeah.","start":416.725,"end":418.805,"sentiment":"neutral","sentiment_score":-0.004604037052818707},{"text":"And because I remember last time when the Ukraine war broke out, they've been telling me to go defensive more.","start":418.805,"end":426.85,"sentiment":"neutral","sentiment_score":-0.08175426125526428},{"text":"I didn't know if I should be trying to yeah.","start":426.91,"end":430.69,"sentiment":"neutral","sentiment_score":-0.14017001241445542},{"text":"I don't know what this war they're doing now is gonna affect anything yet or just wait.","start":431.79,"end":437.275,"sentiment":"neutral","sentiment_score":-0.15203886829754887}],"sentiment":"neutral","sentiment_score":-0.10232042541558092,"num_words":55,"start":416.32498,"end":437.275},{"sentences":[{"text":"Just ride it out a bit.","start":438.215,"end":439.595,"sentiment":"neutral","sentiment_score":-0.004268881554404895},{"text":"Yep.","start":547.975,"end":548.475,"sentiment":"neutral","sentiment_score":0.0017230146331712604},{"text":"Yeah.","start":585.02496,"end":585.36,"sentiment":"neutral","sentiment_score":0.09931909292936324},{"text":"Yes.","start":632.32495,"end":632.82495,"sentiment":"neutral","sentiment_score":-0.016820017248392105},{"text":"Okay.","start":687.885,"end":688.385,"sentiment":"neutral","sentiment_score":0.20291301608085632}],"sentiment":"neutral","sentiment_score":0.026152181706856938,"num_words":10,"start":438.215,"end":688.385},{"sentences":[{"text":"Yeah.","start":704.79004,"end":705.045,"sentiment":"neutral","sentiment_score":0.2959539592266083},{"text":"Yeah.","start":714.725,"end":715.225,"sentiment":"neutral","sentiment_score":0.1282319724559784},{"text":"Yeah.","start":715.365,"end":715.685,"sentiment":"neutral","sentiment_score":0.11737748980522156},{"text":"Okay.","start":715.685,"end":716.185,"sentiment":"neutral","sentiment_score":0.1028546616435051},{"text":"Yeah.","start":731.315,"end":731.715,"sentiment":"neutral","sentiment_score":-0.08545756340026855}],"sentiment":"neutral","sentiment_score":0.11179210394620895,"num_words":5,"start":704.79004,"end":731.715},{"sentences":[{"text":"No.","start":731.715,"end":732.03503,"sentiment":"negative","sentiment_score":-0.3334834575653076},{"text":"I'm happy to sit tight and ride it out a bit.","start":732.03503,"end":734.755,"sentiment":"neutral","sentiment_score":-0.3147399249401959},{"text":"Yeah.","start":734.755,"end":734.995,"sentiment":"neutral","sentiment_score":-0.08884027600288391},{"text":"Because I know that part.","start":734.995,"end":736.835,"sentiment":"neutral","sentiment_score":-0.12050653100013733},{"text":"So if you panic now, you may be loose, but just sort of ride it out.","start":736.835,"end":742.455,"sentiment":"neutral","sentiment_score":-0.19527215464040637}],"sentiment":"neutral","sentiment_score":-0.22386323638698635,"num_words":34,"start":731.715,"end":742.455},{"sentences":[{"text":"Yeah.","start":754.73,"end":755.23,"sentiment":"neutral","sentiment_score":0.042331721633672714},{"text":"Six 62 is probably more the case.","start":755.585,"end":760.065,"sentiment":"neutral","sentiment_score":0.004147832947117941},{"text":"Because when I get 60, they wanna put me on job share work, which means virtually semi retired.","start":760.065,"end":767.125,"sentiment":"neutral","sentiment_score":0.01987928855750296},{"text":"It's like work two weeks, four weeks off, work two weeks, four weeks off.","start":767.505,"end":771.42,"sentiment":"neutral","sentiment_score":0.019871650130621026},{"text":"Yeah.","start":782.3,"end":782.8,"sentiment":"neutral","sentiment_score":0.047073036432266235}],"sentiment":"neutral","sentiment_score":0.018401704501451517,"num_words":41,"start":754.73,"end":782.8},{"sentences":[{"text":"On the it probably still around a 130, maybe a 100 and 42,000 a year or something, I think.","start":784.625,"end":792.805,"sentiment":"neutral","sentiment_score":0.05231108536061488},{"text":"Yeah.","start":824.06,"end":824.56,"sentiment":"positive","sentiment_score":0.393068790435791},{"text":"Yes.","start":837.545,"end":838.045,"sentiment":"positive","sentiment_score":0.47010084986686707},{"text":"Yeah.","start":848.76,"end":849.26,"sentiment":"neutral","sentiment_score":0.11533596366643906},{"text":"And another thing about those caps, if I go to my HR when I come back to work because they always ask for a percentage of what?","start":849.56,"end":860.585,"sentiment":"neutral","sentiment_score":0.050040200559629336}],"sentiment":"neutral","sentiment_score":0.067826564100628,"num_words":49,"start":784.625,"end":860.585},{"sentences":[{"text":"So that 49,000 cap that I've got now, I can use.","start":860.585,"end":865.245,"sentiment":"neutral","sentiment_score":0.08087090606039221},{"text":"Can that be, like, 5,000 a year or 10,000 a year or something like that?","start":866.585,"end":871.625,"sentiment":"neutral","sentiment_score":0.05932031869888306},{"text":"Or that is yeah.","start":871.625,"end":882.97003,"sentiment":"neutral","sentiment_score":0.10901053994894028},{"text":"Yeah.","start":903.96,"end":904.46,"sentiment":"positive","sentiment_score":0.48156118392944336},{"text":"Yeah.","start":918.775,"end":919.015,"sentiment":"neutral","sentiment_score":0.05786857008934021}],"sentiment":"neutral","sentiment_score":0.08608927065506577,"num_words":32,"start":860.585,"end":919.015},{"sentences":[{"text":"Well, I have to go and have a look at it again, but I'm pretty sure the oldest year was 7000 something.","start":919.015,"end":923.99506,"sentiment":"neutral","sentiment_score":-0.008489983664317564},{"text":"So yeah.","start":926.06,"end":926.77997,"sentiment":"neutral","sentiment_score":0.2846059501171112},{"text":"I'd I'd have a before I do it all, I'll go and have a look again on myGov where it was.","start":926.77997,"end":932.16,"sentiment":"neutral","sentiment_score":0.1275208056682632},{"text":"And what I roughly thought about when I first initially looked at, maybe I'll increase it to another 5,000 a year, and then I can sort of just set it and forget it for a few years anyway.","start":933.1,"end":945.935,"sentiment":"neutral","sentiment_score":0.06421075614267274},{"text":"Well, maybe two or three.","start":946.075,"end":947.935,"sentiment":"neutral","sentiment_score":0.053356805443763734}],"sentiment":"neutral","sentiment_score":0.06553593112833121,"num_words":88,"start":919.015,"end":947.935},{"sentences":[{"text":"Yeah.","start":950.795,"end":951.18,"sentiment":"neutral","sentiment_score":0.1048029288649559},{"text":"Yeah.","start":960.94,"end":961.44,"sentiment":"neutral","sentiment_score":0.050691209733486176},{"text":"$1.33, and then I'll get a bonus of that.","start":961.5,"end":964.96,"sentiment":"neutral","sentiment_score":0.10352405822939342},{"text":"So, yeah, it's $1.46, I think.","start":966.11505,"end":973.875,"sentiment":"neutral","sentiment_score":0.08993426524102688},{"text":"No.","start":973.875,"end":974.375,"sentiment":"neutral","sentiment_score":-0.059723567217588425}],"sentiment":"neutral","sentiment_score":0.08706070482730865,"num_words":18,"start":950.795,"end":974.375},{"sentences":[{"text":"Yeah.","start":974.515,"end":974.91504,"sentiment":"neutral","sentiment_score":-0.002357274293899536},{"text":"Just on my base.","start":974.91504,"end":975.875,"sentiment":"neutral","sentiment_score":0.004726702347397804},{"text":"Yeah.","start":975.875,"end":976.375,"sentiment":"neutral","sentiment_score":0.051493193954229355},{"text":"And if I get a annual pay rise 4% every year.","start":982.88995,"end":987.38995,"sentiment":"neutral","sentiment_score":0.09241680326786908},{"text":"No.","start":1003.745,"end":1004.245,"sentiment":"neutral","sentiment_score":-0.16522307693958282}],"sentiment":"neutral","sentiment_score":0.05107802711427212,"num_words":18,"start":974.515,"end":1004.245},{"sentences":[{"text":"No.","start":1004.65,"end":1004.89,"sentiment":"neutral","sentiment_score":-0.2188652455806732},{"text":"I don't think so.","start":1004.89,"end":1006.03,"sentiment":"neutral","sentiment_score":-0.21347113512456417},{"text":"Yes.","start":1011.37,"end":1011.87,"sentiment":"neutral","sentiment_score":0.09491372108459473},{"text":"I think I do because I I think they match share.","start":1019.545,"end":1023.72504,"sentiment":"neutral","sentiment_score":0.03432973237200217},{"text":"Oh, match shares.","start":1025.145,"end":1026.185,"sentiment":"neutral","sentiment_score":0.03986139968037605}],"sentiment":"neutral","sentiment_score":-0.02403124049305916,"num_words":20,"start":1004.65,"end":1026.185},{"sentences":[{"text":"Is it all they match my contribution, I think.","start":1026.185,"end":1029.885,"sentiment":"neutral","sentiment_score":0.02752006995595164},{"text":"No.","start":1031.9451,"end":1032.185,"sentiment":"neutral","sentiment_score":-0.05491972342133522},{"text":"I can't really remember.","start":1032.185,"end":1033.485,"sentiment":"neutral","sentiment_score":-0.06512934528291225},{"text":"Yep.","start":1033.93,"end":1034.43,"sentiment":"neutral","sentiment_score":0.05724164843559265},{"text":"I think it's only $5,540, I think it is, a fortnight.","start":1049.215,"end":1054.675,"sentiment":"neutral","sentiment_score":-0.020600413564931263}],"sentiment":"neutral","sentiment_score":-0.009119975989541182,"num_words":26,"start":1026.185,"end":1054.675},{"sentences":[{"text":"Yeah.","start":1057.535,"end":1058.035,"sentiment":"neutral","sentiment_score":0.04297749325633049},{"text":"Yeah.","start":1070.59,"end":1071.09,"sentiment":"neutral","sentiment_score":0.09720589965581894},{"text":"Yeah.","start":1122.92,"end":1123.24,"sentiment":"neutral","sentiment_score":0.06444234400987625},{"text":"That sounds about right because I tried to keep it under the the towels in the cap.","start":1123.24,"end":1127.58,"sentiment":"neutral","sentiment_score":-0.03355534966377651},{"text":"Yeah.","start":1188.765,"end":1189.265,"sentiment":"neutral","sentiment_score":0.18558022379875183}],"sentiment":"neutral","sentiment_score":-0.008582618264924912,"num_words":21,"start":1057.535,"end":1189.265},{"sentences":[{"text":"Yeah.","start":1206.55,"end":1207.05,"sentiment":"neutral","sentiment_score":0.02261900156736374},{"text":"Yeah.","start":1220.835,"end":1221.335,"sentiment":"neutral","sentiment_score":0.0897957906126976},{"text":"Yeah.","start":1221.5549,"end":1222.0549,"sentiment":"neutral","sentiment_score":0.11858426034450532},{"text":"Okay.","start":1251.465,"end":1251.965,"sentiment":"neutral","sentiment_score":0.17142687737941742},{"text":"Yeah.","start":1260.47,"end":1260.87,"sentiment":"neutral","sentiment_score":0.19258317351341248}],"sentiment":"neutral","sentiment_score":0.11900182068347931,"num_words":5,"start":1206.55,"end":1260.87},{"sentences":[{"text":"That's right.","start":1260.87,"end":1261.51,"sentiment":"neutral","sentiment_score":0.17245279252529144},{"text":"So in saying that, just say that first year, the oldest year is '7 thousand, which I'm pretty sure it was.","start":1261.51,"end":1268.01,"sentiment":"neutral","sentiment_score":0.04775820175806681},{"text":"$5.40 would be too much, wouldn't it?","start":1269.6699,"end":1271.75,"sentiment":"negative","sentiment_score":-0.4425227471760341},{"text":"I sort of wanna have that again.","start":1271.75,"end":1273.485,"sentiment":"negative","sentiment_score":-0.39582993941647665},{"text":"Well, that's what I was intending to do.","start":1282.605,"end":1284.365,"sentiment":"neutral","sentiment_score":0.24137075804173946}],"sentiment":"neutral","sentiment_score":-0.05754833155208164,"num_words":45,"start":1260.87,"end":1284.365},{"sentences":[{"text":"I was amazed to use everything I can.","start":1284.365,"end":1286.785,"sentiment":"positive","sentiment_score":0.5807307437062263},{"text":"I don't know.","start":1286.9249,"end":1287.245,"sentiment":"neutral","sentiment_score":-0.06537215908368428},{"text":"It just sit there, isn't it?","start":1287.245,"end":1288.65,"sentiment":"neutral","sentiment_score":-0.02456890729566415},{"text":"I'm not sure if that's the way I'd look at it, but oh, yeah.","start":1291.4501,"end":1302.67,"sentiment":"neutral","sentiment_score":0.011867139787812318},{"text":"Yeah.","start":1303.275,"end":1303.515,"sentiment":"neutral","sentiment_score":0.15256810188293457}],"sentiment":"neutral","sentiment_score":0.14440700273553375,"num_words":32,"start":1284.365,"end":1303.515},{"sentences":[{"text":"I was just sort of well, I wanted to get, like, the average so I could leave it for or at least I till I hit 500,000.","start":1303.515,"end":1312.9751,"sentiment":"neutral","sentiment_score":0.1407245957741031},{"text":"And what was still manageable for me to take home, you know?","start":1317.3701,"end":1320.67,"sentiment":"neutral","sentiment_score":0.22453837469220161},{"text":"So yeah.","start":1322.5701,"end":1323.39,"sentiment":"neutral","sentiment_score":0.18661147356033325},{"text":"Yeah.","start":1328.4901,"end":1328.9901,"sentiment":"neutral","sentiment_score":0.05483146756887436},{"text":"Yeah.","start":1339.125,"end":1339.625,"sentiment":"neutral","sentiment_score":0.10634192824363708}],"sentiment":"neutral","sentiment_score":0.16345164942186932,"num_words":43,"start":1303.515,"end":1339.625},{"sentences":[{"text":"Yeah.","start":1340.3251,"end":1340.8251,"sentiment":"neutral","sentiment_score":0.19130899012088776},{"text":"And this gross before they tax it, isn't it?","start":1356.7999,"end":1360.115,"sentiment":"neutral","sentiment_score":0.10179514520698124},{"text":"Alright.","start":1361.5349,"end":1361.9349,"sentiment":"neutral","sentiment_score":0.18061481416225433},{"text":"So what would that be as the percent payment?","start":1361.9349,"end":1364.355,"sentiment":"neutral","sentiment_score":0.09109894269042546},{"text":"Yeah.","start":1368.015,"end":1368.255,"sentiment":"neutral","sentiment_score":0.06015940383076668}],"sentiment":"neutral","sentiment_score":0.10324428567574137,"num_words":21,"start":1340.3251,"end":1368.255},{"sentences":[{"text":"Because when they ask me to fill out this form, it's always just a percentage.","start":1368.255,"end":1371.875,"sentiment":"neutral","sentiment_score":0.058429606010516486},{"text":"I think when I get the form, it's a, like, a live form.","start":1401.08,"end":1405.1,"sentiment":"neutral","sentiment_score":-0.06545515172183514},{"text":"It'll probably I'll just have to update what I'm gonna salary sacrifice.","start":1406.44,"end":1410.06,"sentiment":"neutral","sentiment_score":-0.1314829532057047},{"text":"I'm not sure what it is at the moment, but I don't know.","start":1410.44,"end":1413.64,"sentiment":"neutral","sentiment_score":-0.18758658319711685},{"text":"Say it's 19%.","start":1413.64,"end":1415.465,"sentiment":"neutral","sentiment_score":-0.08187761157751083}],"sentiment":"neutral","sentiment_score":-0.07565226316052888,"num_words":56,"start":1368.255,"end":1415.465},{"sentences":[{"text":"Maybe I have to put in there 20% or 21% like that.","start":1416.165,"end":1421.465,"sentiment":"neutral","sentiment_score":-0.019668544953068096},{"text":"Yeah.","start":1448.1449,"end":1448.6449,"sentiment":"neutral","sentiment_score":0.27549856901168823},{"text":"Okay.","start":1472.355,"end":1472.855,"sentiment":"positive","sentiment_score":0.34526729583740234},{"text":"Yes.","start":1518.6499,"end":1518.945,"sentiment":"positive","sentiment_score":0.3797023892402649},{"text":"Okay.","start":1529.825,"end":1530.325,"sentiment":"neutral","sentiment_score":0.13512322306632996}],"sentiment":"neutral","sentiment_score":0.056223058607429266,"num_words":16,"start":1416.165,"end":1530.325},{"sentences":[{"text":"Yeah.","start":1550.535,"end":1550.855,"sentiment":"neutral","sentiment_score":0.28866416215896606},{"text":"That'd be great if you could because, yeah, I'm taking two weeks off now.","start":1550.855,"end":1554.535,"sentiment":"positive","sentiment_score":0.35491875239780973},{"text":"So I've got ample time to have a look on that because I wanna try and make my mind up when I get back to work.","start":1554.535,"end":1561.175,"sentiment":"positive","sentiment_score":0.41169596176881057},{"text":"I wanna do it, like, ASAP too, I think.","start":1561.175,"end":1570.72,"sentiment":"positive","sentiment_score":0.33457808362113106},{"text":"And that well, I I think with me and my abilities, it's a better option.","start":1578.985,"end":1588.4451,"sentiment":"neutral","sentiment_score":0.31727135653297106}],"sentiment":"positive","sentiment_score":0.3651060738815711,"num_words":65,"start":1550.535,"end":1588.4451},{"sentences":[{"text":"Yeah.","start":1608.105,"end":1608.605,"sentiment":"neutral","sentiment_score":0.14738386869430542},{"text":"Yeah.","start":1630.06,"end":1630.56,"sentiment":"neutral","sentiment_score":0.09044473618268968},{"text":"Yeah.","start":1646.675,"end":1646.915,"sentiment":"neutral","sentiment_score":0.08498655259609222},{"text":"Well, I think for me financially, I could I could easily, but I think the peace of mind is someone else was taking care of it, and it's all said and done, and and it's it requires nothing more from me.","start":1646.915,"end":1659.3401,"sentiment":"positive","sentiment_score":0.47171515553462795},{"text":"You know?","start":1659.3401,"end":1659.9,"sentiment":"neutral","sentiment_score":0.1881823167204857}],"sentiment":"positive","sentiment_score":0.4356413297355175,"num_words":46,"start":1608.105,"end":1659.9},{"sentences":[{"text":"It makes more sense for me.","start":1659.9,"end":1661.68,"sentiment":"positive","sentiment_score":0.3398881107568741},{"text":"But do you think they're based on a power either way?","start":1662.38,"end":1664.86,"sentiment":"neutral","sentiment_score":0.06559276276014069},{"text":"Like Yeah.","start":1664.86,"end":1675.015,"sentiment":"neutral","sentiment_score":0.08346874080598354},{"text":"Yeah.","start":1681.4601,"end":1681.9601,"sentiment":"neutral","sentiment_score":0.09462305158376694},{"text":"Yeah.","start":1697.3151,"end":1697.8151,"sentiment":"neutral","sentiment_score":0.13527360558509827}],"sentiment":"neutral","sentiment_score":0.15036586636588686,"num_words":21,"start":1659.9,"end":1697.8151},{"sentences":[{"text":"Okay.","start":1699.635,"end":1700.115,"sentiment":"neutral","sentiment_score":0.2639837861061096},{"text":"Great.","start":1700.115,"end":1700.615,"sentiment":"positive","sentiment_score":0.4183309674263001},{"text":"Yeah.","start":1705.0751,"end":1705.5751,"sentiment":"neutral","sentiment_score":0.04560033604502678},{"text":"No.","start":1706.41,"end":1706.73,"sentiment":"neutral","sentiment_score":0.01968972757458687},{"text":"I'm I would like to read something when I'm just sitting home and having a coffee when I finally get home.","start":1706.73,"end":1711.005,"sentiment":"neutral","sentiment_score":0.15378718965110325}],"sentiment":"neutral","sentiment_score":0.15908543199300765,"num_words":25,"start":1699.635,"end":1711.005},{"sentences":[{"text":"But yeah.","start":1711.005,"end":1711.95,"sentiment":"neutral","sentiment_score":0.23171883821487427},{"text":"Yeah.","start":1715.77,"end":1716.27,"sentiment":"neutral","sentiment_score":0.2746819257736206},{"text":"Yep.","start":1724.335,"end":1724.835,"sentiment":"neutral","sentiment_score":0.07486478984355927},{"text":"Yep.","start":1732.015,"end":1732.515,"sentiment":"neutral","sentiment_score":0.05774868652224541},{"text":"Yeah.","start":1749.0951,"end":1749.5751,"sentiment":"neutral","sentiment_score":0.08104148507118225}],"sentiment":"neutral","sentiment_score":0.15862909394005933,"num_words":6,"start":1711.005,"end":1749.5751},{"sentences":[{"text":"Sounds good.","start":1749.5751,"end":1750.395,"sentiment":"positive","sentiment_score":0.43764419853687286},{"text":"Yeah.","start":1750.4551,"end":1750.9551,"sentiment":"neutral","sentiment_score":0.13485348224639893},{"text":"Yep.","start":1765.27,"end":1765.51,"sentiment":"neutral","sentiment_score":0.2039113491773605},{"text":"And the other one, I think, was the fees.","start":1765.51,"end":1769.83,"sentiment":"neutral","sentiment_score":0.15146676006002557},{"text":"I was trying to see how much fees or when does it get capped, my fees?","start":1769.83,"end":1775.2899,"sentiment":"neutral","sentiment_score":0.004345077933976427}],"sentiment":"neutral","sentiment_score":0.09126811434418478,"num_words":29,"start":1749.5751,"end":1775.2899},{"sentences":[{"text":"Right.","start":1786.5249,"end":1787.0249,"sentiment":"neutral","sentiment_score":0.03466644138097763},{"text":"Yeah.","start":1845.31,"end":1845.55,"sentiment":"neutral","sentiment_score":0.06344585865736008},{"text":"Yeah.","start":1845.55,"end":1845.7101,"sentiment":"neutral","sentiment_score":0.05034529417753219},{"text":"No.","start":1845.7101,"end":1845.9501,"sentiment":"neutral","sentiment_score":-0.0705551877617836},{"text":"That's because I was just concerned that it's a little bit higher for the returns I've got, like, example, this 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years.","start":1851.15,"end":1857.09,"sentiment":"neutral","sentiment_score":0.030241426080465317},{"text":"Alright.","start":1900.635,"end":1901.135,"sentiment":"neutral","sentiment_score":0.21163469552993777},{"text":"Okay.","start":1903.2749,"end":1903.6749,"sentiment":"neutral","sentiment_score":0.2060367912054062},{"text":"Yep.","start":1903.6749,"end":1904.04,"sentiment":"neutral","sentiment_score":0.2064327895641327},{"text":"Yeah.","start":1940.79,"end":1941.1101,"sentiment":"neutral","sentiment_score":0.036747872829437256}],"sentiment":"neutral","sentiment_score":0.05371474976772848,"num_words":23,"start":1851.15,"end":1941.1101},{"sentences":[{"text":"No.","start":1941.1101,"end":1941.3501,"sentiment":"neutral","sentiment_score":0.04590008035302162},{"text":"It's good.","start":1941.3501,"end":1942.0701,"sentiment":"neutral","sentiment_score":0.14952144026756287},{"text":"Yeah.","start":1942.0701,"end":1942.39,"sentiment":"neutral","sentiment_score":0.15439555048942566},{"text":"Because the one I need one on the email was at the cap from what we've already talked about.","start":1942.39,"end":1946.8701,"sentiment":"neutral","sentiment_score":0.13819842354247444},{"text":"You can send me that email.","start":1946.8701,"end":1947.9901,"sentiment":"neutral","sentiment_score":0.21124814947446188}],"sentiment":"neutral","sentiment_score":0.1514688777769434,"num_words":29,"start":1941.1101,"end":1947.9901},{"sentences":[{"text":"It'll be great.","start":1947.9901,"end":1948.89,"sentiment":"positive","sentiment_score":0.4921420415242513},{"text":"I'll get on top of that next week two weeks when I get back to work.","start":1949.415,"end":1953.515,"sentiment":"neutral","sentiment_score":0.25306424126029015},{"text":"And I think, honestly, for me, I'm pretty simple and basic, but it'll be the transition into retirement.","start":1953.7351,"end":1960.2351,"sentiment":"neutral","sentiment_score":0.1578260680867566},{"text":"It'll be the next one I'll need advice on.","start":1960.375,"end":1962.7151,"sentiment":"neutral","sentiment_score":0.1129765651292271},{"text":"Yes.","start":2004.29,"end":2004.79,"sentiment":"neutral","sentiment_score":-0.26328393816947937}],"sentiment":"neutral","sentiment_score":0.19403890124026765,"num_words":47,"start":1947.9901,"end":2004.79},{"sentences":[{"text":"Yeah.","start":2060.4302,"end":2060.9302,"sentiment":"neutral","sentiment_score":-0.039185576140880585},{"text":"But in those sort of decisions, I don't have anything to do with them.","start":2061.3901,"end":2064.83,"sentiment":"neutral","sentiment_score":-0.2076746081667287},{"text":"You're doing all that, I Well, if it like, I I've mentioned this more than once, but I know nothing about it and that's why I've come with you guys.","start":2064.83,"end":2133.81,"sentiment":"neutral","sentiment_score":-0.013820185471558943},{"text":"So I'm I'm happy to, you know, follow your lead like I've done so far.","start":2134.77,"end":2139.8901,"sentiment":"positive","sentiment_score":0.6324137568473815},{"text":"I'm still making money since I've been with you.","start":2139.8901,"end":2141.97,"sentiment":"positive","sentiment_score":0.36697616676489514}],"sentiment":"neutral","sentiment_score":0.13663414781120187,"num_words":69,"start":2060.4302,"end":2141.97},{"sentences":[{"text":"So Yeah.","start":2141.97,"end":2181.465,"sentiment":"neutral","sentiment_score":0.15300923585891724},{"text":"Yeah.","start":2194.51,"end":2194.9102,"sentiment":"positive","sentiment_score":0.35375869274139404},{"text":"I'm happy with 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degree.","start":2214.135,"end":2224.9702,"sentiment":"neutral","sentiment_score":0.0864506741618794},{"text":"Yeah.","start":2276.42,"end":2276.66,"sentiment":"neutral","sentiment_score":0.32487112283706665},{"text":"Yeah.","start":2276.66,"end":2277.16,"sentiment":"neutral","sentiment_score":0.2093576937913895}],"sentiment":"neutral","sentiment_score":0.12471792006399482,"num_words":60,"start":2207.2551,"end":2277.16},{"sentences":[{"text":"Yeah.","start":2289.9648,"end":2290.365,"sentiment":"neutral","sentiment_score":0.08401156216859818},{"text":"The second one.","start":2290.365,"end":2291.34,"sentiment":"neutral","sentiment_score":0.06999280179540317},{"text":"Yeah.","start":2291.58,"end":2291.74,"sentiment":"neutral","sentiment_score":0.06058579683303833},{"text":"That'd be that sounds really interesting.","start":2291.74,"end":2293.6802,"sentiment":"neutral","sentiment_score":0.13272009044885635},{"text":"Yeah.","start":2293.82,"end":2294.32,"sentiment":"neutral","sentiment_score":0.15256580710411072}],"sentiment":"neutral","sentiment_score":0.10862184284875791,"num_words":12,"start":2289.9648,"end":2294.32},{"sentences":[{"text":"Yeah.","start":2355.81,"end":2356.31,"sentiment":"neutral","sentiment_score":0.1284758746623993},{"text":"Yeah.","start":2356.45,"end":2356.69,"sentiment":"neutral","sentiment_score":0.15952730178833008},{"text":"Well, that sounds like, well, perfect, actually, to have a have that advice, then I could read through it and see where I'm at.","start":2356.69,"end":2365.145,"sentiment":"neutral","sentiment_score":0.27747655908266705},{"text":"Yep.","start":2372.565,"end":2372.94,"sentiment":"neutral","sentiment_score":0.14587530493736267},{"text":"Yep.","start":2395.4749,"end":2395.9749,"sentiment":"neutral","sentiment_score":0.18293027579784393}],"sentiment":"neutral","sentiment_score":0.25986593482749804,"num_words":28,"start":2355.81,"end":2395.9749},{"sentences":[{"text":"Yep.","start":2412.41,"end":2412.765,"sentiment":"neutral","sentiment_score":0.08077740669250488},{"text":"No.","start":2413.085,"end":2413.165,"sentiment":"neutral","sentiment_score":0.06505263596773148},{"text":"It sounds good.","start":2413.165,"end":2414.1448,"sentiment":"positive","sentiment_score":0.3985147525866826},{"text":"No.","start":2422.045,"end":2422.4448,"sentiment":"neutral","sentiment_score":-0.11077412217855452},{"text":"You've done you've you've given me more than enough to think about on the plane shortly and for the next two weeks.","start":2422.4448,"end":2429.68,"sentiment":"neutral","sentiment_score":0.23855744399638337}],"sentiment":"neutral","sentiment_score":0.23138799807722016,"num_words":28,"start":2412.41,"end":2429.68},{"sentences":[{"text":"Yeah.","start":2436.46,"end":2436.96,"sentiment":"neutral","sentiment_score":0.09208229929208755},{"text":"Okay.","start":2446.8052,"end":2447.0452,"sentiment":"neutral","sentiment_score":0.21276015043258667},{"text":"Great.","start":2447.0452,"end":2447.5452,"sentiment":"positive","sentiment_score":0.6613794565200806},{"text":"Alright.","start":2450.8052,"end":2451.125,"sentiment":"positive","sentiment_score":0.38681352138519287},{"text":"Well, thanks very much for the call.","start":2451.125,"end":2452.725,"sentiment":"positive","sentiment_score":0.6955124139785767}],"sentiment":"positive","sentiment_score":0.5656020295890895,"num_words":11,"start":2436.46,"end":2452.725},{"sentences":[{"text":"I feel well, not better, but I feel more informed and, well, I feel like making some good choices anyway.","start":2452.725,"end":2460.13,"sentiment":"positive","sentiment_score":0.47306446731090546},{"text":"Thanks very much.","start":2460.13,"end":2461.1099,"sentiment":"positive","sentiment_score":0.5838992198308309},{"text":"Okay.","start":2470.5352,"end":2471.0151,"sentiment":"positive","sentiment_score":0.3606655597686768},{"text":"Thanks very much.","start":2471.0151,"end":2472.155,"sentiment":"positive","sentiment_score":0.7671752174695333},{"text":"Alright then.","start":2478.375,"end":2479.0952,"sentiment":"neutral","sentiment_score":0.2800897806882858}],"sentiment":"positive","sentiment_score":0.4977709579056707,"num_words":29,"start":2452.725,"end":2479.0952},{"sentences":[{"text":"Bye.","start":2479.0952,"end":2479.415,"sentiment":"neutral","sentiment_score":0.2617790400981903},{"text":"Thank you.","start":2479.415,"end":2480.155,"sentiment":"positive","sentiment_score":0.7086316347122192},{"text":"Bye.","start":2481.175,"end":2481.675,"sentiment":"positive","sentiment_score":0.3945600986480713}],"sentiment":"positive","sentiment_score":0.518400602042675,"num_words":4,"start":2479.0952,"end":2481.675}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Jamie. This is Dana from Oakview Financial. How are you today?\n\nChannel 1: Good. Thanks. How are you?\n\nChannel 0: I'm very well. Thank you. I had you pulled in for a bit of a follow-up chat today. Isn't this still a good time there for\n\nChannel 1: Yeah.\n\nChannel 0: you?\n\nChannel 1: Yep.\n\nChannel 0: Yeah. Beautiful. How's your day been so far?\n\nChannel 1: Good. I just finished night shift and just landed in Perth.\n\nChannel 0: Oh,\n\nChannel 1: So on\n\nChannel 0: wow.\n\nChannel 1: the way home. Mhmm.\n\nChannel 0: Yeah. Nice. Home for a bit of a rest and hopefully a decent sleep this afternoon.\n\nChannel 1: Yeah. For sure.\n\nChannel 0: All all good. I was trying not to take up too much of your time there,\n\nChannel 1: Yeah.\n\nChannel 0: Jamie. Just to good double check before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that? Beautiful. And just\n\nChannel 1: Yeah.\n\nChannel 0: to do security there with you as well, we are discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Jamie Lee Pinon, twenty sixth\n\nChannel 0: Yep.\n\nChannel 1: of the second seventy Spot one three four Iron Lane, Caribbean, Park, Odellville.\n\nChannel 0: Yep. Perfect. Thank you so much for that. And happy birthday for last month.\n\nChannel 1: That's not good.\n\nChannel 0: Did you get any time off or do anything special, or you just sort of went\n\nChannel 1: No.\n\nChannel 0: through it?\n\nChannel 1: Yeah. We're through it. We've got\n\nChannel 0: Yeah.\n\nChannel 1: enough\n\nChannel 0: They\n\nChannel 1: of them.\n\nChannel 0: they they hit differently as you get a bit older, don't they? I understand\n\nChannel 1: Yeah.\n\nChannel 0: that. No. All good. Jamie, having a bit of a look here, I can see when you spoke to my colleague, Samantha, you had some questions about possibly using some unused concessional cap. You had, I believe, about 49,000 unused cap space.\n\nWhat sort of questions can I help you with?\n\nChannel 1: Well, I already sell it in sacrifice.\n\nChannel 0: Yep.\n\nChannel 1: So I was just wondering, can I salary sacrifice more to use those caps, or does it have to be after tax money to use those caps?\n\nChannel 0: Yeah. No. You absolutely can. And that that can be completed by salary sacrifice. If you are increasing your salary sacrifice in order to use up the unused cap space from previous years, you just need to be very careful.\n\nEssentially, if your balance goes over that $500,000 mark as at the June 30 any financial year, then you lose access to those previous cap years. And the other thing to consider is if you're salary sacrificing and you use up all the cap space, you don't wanna keep salary sacrificing. You wanna be able to reduce that back\n\nChannel 1: Change\n\nChannel 0: a little\n\nChannel 1: it\n\nChannel 0: bit.\n\nChannel 1: back.\n\nChannel 0: So\n\nChannel 1: Yes.\n\nChannel 0: yeah. If you wanted to, we could always look providing some personal advice for you around that to maybe make a recommendation to utilize the cap space and show you what that looks like, the advantages, disadvantages, risks involved to kinda help you make the decision as you are getting close to those retirement years as well.\n\nChannel 1: Yeah. Well, for me personally, I was I was waiting to talk to you today, but when I go\n\nChannel 0: Yeah.\n\nChannel 1: back to work next week, I was thinking about going and adjusting the percentage I do, salary\n\nChannel 0: Yep.\n\nChannel 1: sacrifice.\n\nChannel 0: Yep.\n\nChannel 1: And\n\nChannel 0: That's\n\nChannel 1: I'm\n\nChannel 0: okay.\n\nChannel 1: aware of the cap and the five years and the 500, so I\n\nChannel 0: Yep.\n\nChannel 1: would keep an eye on it and knock it back down.\n\nChannel 0: Yeah. That's absolutely fine. If you're comfortable just doing that, you don't wanna receive personal advice, that's not a problem at all. You can just switch your employer, increase that as you'd like to. Down the track as we sort of catch up, it is important that we review things with you and just make sure you don't exceed those caps in saying\n\nChannel 1: Yeah.\n\nChannel 0: that. Every couple of years, they are hoping to kind of increase the cap a little bit by around 2,500.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: It\n\nChannel 0: there's\n\nChannel 1: goes up this year, doesn't it?\n\nChannel 0: it's supposed to. Yeah. There's no real confirmation that it's actually happening yet, but it is something I'm definitely keeping an eye on because it is supposed to increase this year. It says the $32,500, so we'll\n\nChannel 1: And\n\nChannel 0: just\n\nChannel 1: another\n\nChannel 0: keep an\n\nChannel 1: thing\n\nChannel 0: eye\n\nChannel 1: with\n\nChannel 0: on\n\nChannel 1: the\n\nChannel 0: that. Yeah.\n\nChannel 1: yeah. Another thing with the caps is the caps is that, like, if all their tax comes out of it, like, they take 15% tax, is it?\n\nChannel 0: It is. Yeah. It does look on your gross contribution. So as much as your contributions go in there from your employer and 15% tax is deducted out of that contribution, the amount your employer puts in there. So say if you get $2,000 in SDC contributions, they account that $2,000, not the fifth not the difference between the tax.\n\nSo it is gross contribution rate that is added to your caps.\n\nChannel 1: Yeah. I thought so.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: That that it would be nice if they didn't consider that taxation side of things. It would give us a little bit of leeway, but, unfortunately, I see it's all coming tax is always a part of it, isn't it? Yeah.\n\nChannel 1: Yeah. Well, I shouldn't because it doesn't actually make it in there, does it?\n\nChannel 0: No. But at the same thing, like, with your with your income. So when you look at your assessable income, your assessable income is considered your gross income, not the you know, and you your taxes worked out on that. So it's exactly the same sort of\n\nChannel 1: Yeah.\n\nChannel 0: thing. Same\n\nChannel 1: Yeah.\n\nChannel 0: scenario. Yeah. Yeah. All good.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: So you're that's okay. So you're comfortable just letting your employer know that wanna increase your contributions?\n\nChannel 1: That's fine.\n\nChannel 0: Yep. Yep. That's okay. If you ever do have any questions or wanna maybe have a chat to me or get me to review that and provide that personal advice, you absolutely can. You have me here.\n\nYou may also utilize me to the full extent. It's not a problem at all. Okay?\n\nChannel 1: Okay. And that comes out of my face, isn't it?\n\nChannel 0: Yeah. Yeah.\n\nChannel 1: Or\n\nChannel 0: Correct.\n\nChannel 1: is that extra?\n\nChannel 0: No. No. It's definitely not. So you're an ongoing service client, which means you pay the ongoing service fee, and that allows you and entitles you to additional advice. Order for us to provide advice, we do need to obviously update all of your circumstances.\n\nWe go back and do in-depth research around providing the advice, and that way we'd give you an advice document sort of like what you've received in the past. And then\n\nChannel 1: Yeah.\n\nChannel 0: you get to decide whether you take the advice or not. There's never you're never obligated to take on the advice we do provide, but there's no additional cost as an ongoing client for advice documents. It's all part of the fees you pay. Yeah.\n\nChannel 1: Okay. Because I'm not that real good with the finance either, but I I see this as relatively straightforward.\n\nChannel 0: Yeah.\n\nChannel 1: I I I yeah. So\n\nChannel 0: That's\n\nChannel 1: I think\n\nChannel 0: okay.\n\nChannel 1: I'll be alright.\n\nChannel 0: Yeah. You're fine. If you're if you're comfortable taking like, doing that, you can speak to your employer. Let them know if you have any struggles or feel like it might be a bit uneasy or have additional questions, then you can always come back and talk to me. Advice\n\nChannel 1: Yes.\n\nChannel 0: doesn't always have to be personal. It can just be general in nature. I can give you information. There's lots of other areas that we can touch base on, and we'll check-in and do catch ups and any reviews with you as we do anyway. So\n\nChannel 1: Yeah.\n\nChannel 0: you can always flag anything, or if we see contributions because we see the contributions coming into Netwealth as well. So we can always flag if we feel like you're getting closer to your cap space and, you know, need to review things with you as well.\n\nChannel 1: Okay.\n\nChannel 0: Yeah.\n\nChannel 1: Cool.\n\nChannel 0: Perfect. The other note I had here was that you wanted to have a bit of a chat about the market and maybe your risk profile.\n\nChannel 1: Yeah. See\n\nChannel 0: Does\n\nChannel 1: where\n\nChannel 0: that\n\nChannel 1: I was\n\nChannel 0: ring\n\nChannel 1: at\n\nChannel 0: a bell?\n\nChannel 1: and yeah.\n\nChannel 0: Yeah?\n\nChannel 1: And because I remember last time when the Ukraine war broke out, they've been telling me to\n\nChannel 0: Mhmm.\n\nChannel 1: go defensive more. I didn't know if I should be trying to yeah. I don't know what this war they're doing now is gonna affect anything yet or just\n\nChannel 0: Yeah.\n\nChannel 1: wait.\n\nChannel 0: Yep. No.\n\nChannel 1: Just\n\nChannel 0: That's\n\nChannel 1: ride\n\nChannel 0: okay.\n\nChannel 1: it out a bit.\n\nChannel 0: Absolutely. Good question. Well, to kind of sort of look at that for you, and one of the things I have been looking at is essentially what's called the VIX index, and that's sent to is that essentially tracks investor concern in the markets and the type of volatility that we are sort of expected to look at. At the moment, it's sitting at about 24%. Anything on the VIX index over 20% means that there is a bit of concern around the markets.\n\nInvestors are a bit wary, and they are expecting some ups and downs, some volatility to occur. Are a bit wary, and they are expecting some ups and downs, some volatility to occur. Anything under that kind of 20% sort of is spent to talk about stability. When I have a look at that, it is sitting at 24.92 at the moment, but it's not at its highest point. It was actually up even higher, and over the last sort of day, it's dropped by about 13%.\n\nSo whilst we are expecting a bit of volatility there, you know, investor concern within the market is definitely taking a bit of a dip. It's not you know, investor concern is is stabilizing a little bit at the moment. That could change. I do wanna sort of point out that I do expect market volatility over the next few months to be a thing. We are gonna see those ups and downs, but it's also about diversifying your portfolio, making sure that you are taking a little bit less risk in the market when you need to and making sure you're spreading your risk level.\n\nSo one of the big things we do wanna look at is, like, if equities don't do so well over the next few months, you've also got assets like gold in your portfolio, which is there to kind of mitigate. Gold is a growth investment, but it's also in your portfolio to act defensively. And history has shown that when equities don't do so well, so when businesses and companies on the ASX are are down significantly, people put money into gold as a bit of a safe haven there. And your portfolio,\n\nChannel 1: Yep.\n\nChannel 0: having a look at the last twelve months, so from this time last year to now, your portfolio has still seen 11.45% return. So you're still seeing a very good return even with the ups and downs that we have definitely seen. One of your investments within your portfolio, then along Australian equities, that is down a little bit more. We do wanna maybe look at removing that out of the portfolio at some point as well. But you're in also more of a balanced growth environment.\n\nBecause remember, back in sort of 2023, we did reduce your risk level significantly. So\n\nChannel 1: Yeah.\n\nChannel 0: that that you know, sort of in the highest risk level. And in a balanced growth environment, you normally see about sort of 70% of your funds invested in growth assets. So, like, Australian shares, international shares, listed property, and also commodities like the gold and silver aspect. And then the other defensive investments, things like cash, bonds, and fixed interest, you normally then see around about sorry. Around about sort of 40 30% invested in that area to kind of provide some lower risk investments as well.\n\nSo you it looks like you are pretty well invested across the board. You do have good diversification in there. Your portfolio has been a fairly decent return. And what we sort of wanna do is we wanna limit selling things when the market is down as much as possible.\n\nChannel 1: Yes.\n\nChannel 0: Essentially, you know, by selling at investments when they are seeing a bit of a dip, but when they are down is cementing losses. And if we continuously do that over time, we actually don't make much of a profit. We don't we end up just cementing all the downtimes, and our super doesn't have a chance to grow. But if you're looking to keep salary sacrificing and maybe increase net in, even when we do see this volatility in the ups and downs in the market over over the next couple of months, you're putting regular contributions in there. You'll get to take advantage of those downtimes as well in those certain investments.\n\nSo where investments might be lower, might have seen a bit of a downturn, you putting money in at those particular points in time, meaning that when the market comes out, you've bought into the dip into the discount at the time. And as the market recovers out, as that investment recovers out, you actually do gain a little bit. It can reduce your buy pricing, and it can provide you with a greater return as the market recovers out as well. So\n\nChannel 1: Okay.\n\nChannel 0: yeah. Yeah. It's about sort of looking at the way the way the market is, the way you are invested, and utilizing downtime to your advantage as well. As long as you're comfortable with the, you know, the portfolio you're in, you're happy to sort of wait out, you're not gonna retire in the next couple of years, then, realistically,\n\nChannel 1: Yeah.\n\nChannel 0: you know, you you do have that time horizon ahead of you to sort of withstand those downtimes and keep investing through it. It's always a good always a good scenario.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Yeah. Did you want me to maybe do a risk profile with you and just reevaluate the market and where it's at, or did you wanna sort of sit tight for maybe a couple of months and we do a catch up in maybe three months and see what the end of financial year brings for us? Or\n\nChannel 1: Yeah. No. I'm happy to sit tight and ride\n\nChannel 0: yep.\n\nChannel 1: it out a bit. Yeah. Because I know that part. So if you panic now, you may be loose, but\n\nChannel 0: Yeah.\n\nChannel 1: just sort of ride it out.\n\nChannel 0: Yep. Yep. That's okay. And how do you look? Are you I know you told my colleague Smith that you were sort of hoping to access super, maybe retire around age 60 or 62.\n\nIs that still when you'd like\n\nChannel 1: Yeah.\n\nChannel 0: to access your\n\nChannel 1: Six\n\nChannel 0: super?\n\nChannel 1: 62 is probably more the case. Because when I get 60, they wanna put me on job share work, which means virtually semi retired. It's\n\nChannel 0: Okay.\n\nChannel 1: like work two weeks, four weeks off, work two weeks,\n\nChannel 0: Yep.\n\nChannel 1: four weeks off.\n\nChannel 0: Okay. Will that affect your income or your earning capacity at that time, or will you still sort of be on the same income? Because you'll be doing full weeks as well, won't you?\n\nChannel 1: Yeah. On the it probably still around a 130, maybe a 100\n\nChannel 0: Yep.\n\nChannel 1: and 42,000 a year or something, I think.\n\nChannel 0: Yep. Perfect. No. That's okay. When you do hit 60, there's other sort of strategies that we can look at as well.\n\nOne of those is more called a transgender time and strategy where you can be increasing your contributions in the super to maximize the caps as much as possible. But then because it's reduced your take home pay, we're able to, under the rules, access a little bit of money out of super. It works really well because you're keeping the same take home pay as much as you possibly can. You're putting more\n\nChannel 1: Yeah.\n\nChannel 0: into super, so your super is benefiting from those extra contributions. And then you you are you paying less income tax overall because the money we can draw at to supplement your income is tax free. So there are those\n\nChannel 1: Yes.\n\nChannel 0: advantages to those sorts of strategies. And when you turn 60 or when you get closer to 60, we could definitely maybe have a bit more of a chat around that and look at what kind of benefit that may provide as well for you.\n\nChannel 1: Yeah. And another thing about those caps, if I go to my HR when I come back to work\n\nChannel 0: Yeah. Yep.\n\nChannel 1: because they always ask for a percentage\n\nChannel 0: Okay.\n\nChannel 1: of what? So that 49,000 cap that I've got now,\n\nChannel 0: Yep.\n\nChannel 1: I can use. Can\n\nChannel 0: Yep.\n\nChannel 1: that be, like, 5,000 a year or 10,000 a year or something like that? Or\n\nChannel 0: Yeah.\n\nChannel 1: that\n\nChannel 0: That's it definitely can do. So the way the catch up contributions work is that, essentially, you need to utilize\n\nChannel 1: is\n\nChannel 0: this year's cap space first, and that\n\nChannel 1: yeah.\n\nChannel 0: sort of triggers the bring for the carry forward rule. So once you've completed you've put the the $430,000 in for this financial year, then it lets you start using the previous financial year's cap. It sort of triggers it, and that's when you kinda go back. You utilize the oldest year's cap first, and it kinda works forward from there. So\n\nChannel 1: Yeah.\n\nChannel 0: you can absolutely do a 5,000 per year if you want to. It just means that if you don't if you don't use all of the previous year, once we get to the July 1, the oldest year is no longer available. So yeah.\n\nChannel 1: Yeah. Well, I have to go and have a look at it again, but I'm pretty sure the oldest year was 7000 something.\n\nChannel 0: Yep. Perfect.\n\nChannel 1: So yeah. I'd I'd have a before I do it all, I'll go and have a look again on myGov where it\n\nChannel 0: Yep.\n\nChannel 1: was.\n\nChannel 0: Yep.\n\nChannel 1: And what I roughly thought about when I first initially looked at, maybe I'll increase it to another 5,000 a year, and then I can sort of just set it and forget it\n\nChannel 0: Yep.\n\nChannel 1: for a few years anyway. Well,\n\nChannel 0: Yeah.\n\nChannel 1: maybe two or three.\n\nChannel 0: Yep. I'll\n\nChannel 1: Yeah.\n\nChannel 0: just have a quick I can just pull up the details of your income there to kinda give you a bit of a guide if you like. So you're on about 130 at the moment. What's your income currently?\n\nChannel 1: Yeah. $1.33, and then I'll\n\nChannel 0: One\n\nChannel 1: get a\n\nChannel 0: 30\n\nChannel 1: bonus\n\nChannel 0: three.\n\nChannel 1: of that.\n\nChannel 0: Yep.\n\nChannel 1: So, yeah, it's $1.46, I\n\nChannel 0: Yep. And do you receive employer contributions on the bonus as well, or is that just on\n\nChannel 1: think.\n\nChannel 0: your base\n\nChannel 1: No.\n\nChannel 0: income?\n\nChannel 1: Yeah. Just on my base. Yeah.\n\nChannel 0: Just on your base. Okay. So we're working on the 133.\n\nChannel 1: And if I get a annual pay rise 4% every year.\n\nChannel 0: Yep. So so a 133,000 salary annually there. Let's just your employer contributions are 12%. Do you know are they paying anything higher over that 12?\n\nChannel 1: No. No.\n\nChannel 0: Nope.\n\nChannel 1: I don't\n\nChannel 0: Nope.\n\nChannel 1: think\n\nChannel 0: It's\n\nChannel 1: so.\n\nChannel 0: okay. That's okay. Definitely have a look at your contract because you work for BHP, don't you?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Just double check with your employer to make sure that you're not essentially being paid more than that 12% because that\n\nChannel 1: I\n\nChannel 0: can\n\nChannel 1: think\n\nChannel 0: increase\n\nChannel 1: I do\n\nChannel 0: how much\n\nChannel 1: because\n\nChannel 0: you get.\n\nChannel 1: I\n\nChannel 0: Yeah.\n\nChannel 1: I think they match share. Oh, match shares. Is it all they match my\n\nChannel 0: Mhmm.\n\nChannel 1: contribution, I think. No. I\n\nChannel 0: Double\n\nChannel 1: can't really remember. Yep.\n\nChannel 0: that's okay. Double if you've got your employment contract there, have a bit of a look at it. If not, double check with your payroll when you kinda go and talk to them to see if there's anything over that 12%. What are you self sacking at the moment?\n\nChannel 1: I think it's only $5,540, I think it is, a fortnight.\n\nChannel 0: 540 per fortnight? No worries\n\nChannel 1: Yeah.\n\nChannel 0: at all. I'll just update that. Beautiful. Sorry. I just had on here $4.40 per week.\n\nSo 540 per fortnight.\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Perfect. So having a look at that at the moment, total contributions, this is just based on the 12% there, and the current salary sacrifice on a fortnightly basis. It shows that current in current employer contributions altogether will be around what are we looking at? So employer sorry.\n\nMy computer's a little bit slow. It's thinking about it. Employer contributions at 12% based on your income is 15,960. And then just spinning, adding in this the fortnightly salary sacrifice there as well. Yep.\n\nPerfect. That adds an extra 14,040 in contributions.\n\nChannel 1: Yeah. That sounds\n\nChannel 0: Zero.\n\nChannel 1: about right because I tried to keep it under the the towels in the cap.\n\nChannel 0: Yeah. Perfect. So plus $6.00 plus $14.00 $4.00. So that brings you up to the $30,000 cap. So that's essentially your current employer contributions plus your current salary sacrifice will maximize the cap, which means that anything you put in over and above your current sales cycle employer will essentially be used in the will be added or taken from the carry forward rule.\n\nSo once you get to the end of the financial year, they've got all your contributions in there. It should trigger the carry forward. And you can be putting that in there. You don't have to wait. It's more just about making sure that when the ACO at the end of the financial year get reported all the contributions that have gone in, they'll look at that and go, hey.\n\nYou've exceeded the cap. But that's okay. Last financial year, June 30, your balance is under 500 k. You had access to carry forward. This is your, you know, most long this is the what you had available five years ago.\n\nThis\n\nChannel 1: Yeah.\n\nChannel 0: is what you were able to use over and above the cap to trigger the bring it forward rule. So it's kinda just a bit of a process, but you can start salary sacrificing that now to sort of keep an eye on it, just sort of make sure that you are looking at your myGov maybe on, you know, a regular basis just to sort of see. It doesn't get updated all the time. I tend to check\n\nChannel 1: Yeah.\n\nChannel 0: those things around about tax time when I know things are actually getting updated by the ACO and just keeping an eye on your contributions going. And I think last year, I sent you that my pay calculator as well. Did you get that email through?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yeah. You can always use that tool as well just checking on, you know, what it looks like, the contributions going in, adding them up a little bit. And as I said, you know, if Netwealth, we get lists of contributions and things like that. The super funds tend to sort of flag when contributions are getting close to the cap as well. So we can definitely, you know, give you a call and sort of catch up with you if if we feel like it's getting too close to the cap.\n\nBut, yeah, if you're comfortable\n\nChannel 1: Okay.\n\nChannel 0: going ahead with that, there's nothing wrong with that. Getting as much money into super now is definitely a benefit because you do are about six years out from where you wanna retire. So\n\nChannel 1: Yeah. That's\n\nChannel 0: Yeah.\n\nChannel 1: right. So in saying that, just say that first year, the oldest year is '7 thousand,\n\nChannel 0: Yep.\n\nChannel 1: which I'm pretty sure it was.\n\nChannel 0: Yep.\n\nChannel 1: $5.40 would be too much, wouldn't it? I sort of wanna have that again.\n\nChannel 0: So then if we're utilizing you, do you wanna sort of cap out that 7,000 for the first year?\n\nChannel 1: Well, that's what I was intending to do. I was amazed to use everything I can. I don't know. It just sit\n\nChannel 0: Mhmm.\n\nChannel 1: there, isn't it?\n\nChannel 0: Yeah.\n\nChannel 1: I'm not\n\nChannel 0: And\n\nChannel 1: sure\n\nChannel 0: you're\n\nChannel 1: if that's\n\nChannel 0: wanting\n\nChannel 1: the way I'd look at it, but\n\nChannel 0: that's okay. Are you kind of wanting to cap it out by the end of the financial year this year, or you kinda wanting to break it down a little bit more?\n\nChannel 1: oh, yeah. Yeah. I was just sort of well, I wanted to get, like, the average so I could leave it for or at least I till I hit 500,000.\n\nChannel 0: Yep. Yep. That's okay. So if we work on, say,\n\nChannel 1: And what was still manageable\n\nChannel 0: 5\n\nChannel 1: for me to take home, you know?\n\nChannel 0: thousand. Yeah. Yeah. Absolutely.\n\nChannel 1: So\n\nChannel 0: So\n\nChannel 1: yeah.\n\nChannel 0: you mentioned before, you've got the $7,000 cap in the oldest financial year available,\n\nChannel 1: Yeah.\n\nChannel 0: but you said you were sort of hoping to do 5,000 extra contributions. Is that what you're after, the 5,000? Yep. So if we sort of divide that and you make that, you get paid\n\nChannel 1: Yeah.\n\nChannel 0: fortnightly.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Yeah. Perfect. So dividing that and making it fortnightly for you, so roughly twenty six weeks in a year fortnight. So it's about a $192.31, say.\n\nChannel 1: And this gross before they tax it, isn't it?\n\nChannel 0: That is correct. Yeah.\n\nChannel 1: Alright.\n\nChannel 0: I'm\n\nChannel 1: So\n\nChannel 0: gonna\n\nChannel 1: what\n\nChannel 0: multiply\n\nChannel 1: would that be\n\nChannel 0: that.\n\nChannel 1: as the percent payment?\n\nChannel 0: Of your income,\n\nChannel 1: Yeah.\n\nChannel 0: 30\n\nChannel 1: Because when\n\nChannel 0: one.\n\nChannel 1: they ask me to fill out this form, it's always just a percentage.\n\nChannel 0: Yep. So it works out to be around about it's definitely it's, like, point 14% of your income based on that. But I don't know if your employer wants it to be if your employer wants it to be, like, the percentage as a whole including your color color and service sacrifice, or do they want just the increase in that as a percentage against your income?\n\nChannel 1: I think when I get the form, it's a, like, a\n\nChannel 0: Yep.\n\nChannel 1: live form.\n\nChannel 0: Yep.\n\nChannel 1: It'll probably I'll just have to update what I'm gonna salary sacrifice. I'm not\n\nChannel 0: Okay.\n\nChannel 1: sure what it is at the moment, but I don't\n\nChannel 0: Yeah.\n\nChannel 1: know. Say it's 19%.\n\nChannel 0: Yep.\n\nChannel 1: Maybe I have to put in there 20% or 21%\n\nChannel 0: It might be. Yeah.\n\nChannel 1: like\n\nChannel 0: It\n\nChannel 1: that.\n\nChannel 0: might just increase it slightly. Yeah. Yep. The other option is if it's gonna be easier, the other option you can always do it as what's called a deductible contribution where you don't get your employer to put it in by way of salary sacrifice. You would, out of your income, take that money every week for that month, or you can just put it away and do it as a lump sum at the end of the financial year.\n\nAnd you just deposit that money from your bank account into super. It's\n\nChannel 1: Yeah.\n\nChannel 0: it goes in. This is a non concessional contribution, and then at the end of the financial year, you can claim a notice of intent. That notice of intent basically changes the changes the contribution type to that concessional. It gets added to your concessional caps there, and they do the then deduct the 15 percent. It's just another way of doing it.\n\nWith claiming it that way,\n\nChannel 1: Okay.\n\nChannel 0: you then can take that notice of intent or the the the they give you, like, a letter for the notice of intent. You take that back to your accountant, and you let them know that you you've made some extra contributions to super. You wanna claim them as a tax deduction, and the amount you can put into super becomes a tax deduction for you on your personal income tax return. So that's another way of doing it if you wanted to do it. That way, you don't have to kinda tell your employer what percentage of your income to e increase it to.\n\nYou can also keep an eye on it. You can do it on a regular basis in the super, and we can always send you the the details for making that deposit, either sort of ETF or b pay, however is preferable to yourself.\n\nChannel 1: Yes.\n\nChannel 0: And, yeah, you can do it as a deductible contribution if you wanted to. It's just a a little bit of a different way of doing it and utilizing that that cap space a little bit.\n\nChannel 1: Okay.\n\nChannel 0: Yeah. I've got a few things to think about. Yeah. Did you want me to send you an email? I can give you just a little bit of a breakdown on kind of the deductible contribution versus the sales stack, and you can kind of just mull your eyes over it.\n\nChannel 1: Yeah. That'd be great if you could because,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I'm taking two weeks off now. So\n\nChannel 0: Yep.\n\nChannel 1: I've got ample time to have a look on that because I wanna try and make my mind up when I get back to work. I wanna do it, like, ASAP too,\n\nChannel 0: Yeah. Yeah. No. Definitely. Well, one of the good things about, I mean, the main sort of difference\n\nChannel 1: I\n\nChannel 0: between\n\nChannel 1: think.\n\nChannel 0: the two is that the salary sacrifice comes out of your pretax income, and it's done with your employment. So you don't kind of have to think about making the contribution. And if you\n\nChannel 1: And\n\nChannel 0: are\n\nChannel 1: that\n\nChannel 0: quite time poor or don't like to log in to your account, it can be the easiest way to do\n\nChannel 1: well,\n\nChannel 0: it.\n\nChannel 1: I I think with me and my abilities, it's a better option.\n\nChannel 0: Yeah. Yeah. And that's completely fine. The other way of doing it with that deductible contribution, essentially, you're putting that 5,000 in as a lump sum or on a regular basis over time. It sits in there as a non concessional contribution.\n\nSo an after tax contribution sits in your tax free component. Once\n\nChannel 1: Yeah.\n\nChannel 0: we claim that notice of intent, it changes the way the contribution is made. But then when you go back, you tell your employee you've made so you tell your accountant you've made that $5,000 contribution. You've claimed it as a under the notice and that you wanna deduct it from your income, and they can utilize that 5,000 as a deductible on your personal tax return. So this is a different\n\nChannel 1: Yeah.\n\nChannel 0: way of doing it. They have different pros and cons and advantages, but it also comes down to what's comfortable for you as well. Do you wanna be making that contribution manually, or is it easy to have it done as part of your employer contributions? That way, you don't have to think about it at the same\n\nChannel 1: Yeah.\n\nChannel 0: time.\n\nChannel 1: Well, I think\n\nChannel 0: So\n\nChannel 1: for me financially, I could I could easily, but\n\nChannel 0: yep.\n\nChannel 1: I think the peace of mind is someone else was taking care of it, and it's all said and done, and and it's it requires nothing more from me. You know? It makes more sense for me.\n\nChannel 0: Yeah. Yep. Yeah.\n\nChannel 1: But do\n\nChannel 0: Absolutely.\n\nChannel 1: you think they're based on a power either way? Like\n\nChannel 0: Oh, absolutely. Absolutely. I do like with the deductible contribution, you can claim it back on your tax return, but there is that manual side to it.\n\nChannel 1: Yeah.\n\nChannel 0: On par, they've both got the 15% tax deducted out when the contribution, you know, is put in, whether\n\nChannel 1: Yeah.\n\nChannel 0: it's done now or at tax time. You still pay 15% tax. You still have the money invested, which is kind of great. Either way, you're putting extra money into super. And doing that now rather than waiting for four years down the track, the compounding effect is much greater.\n\nChannel 1: Yeah.\n\nChannel 0: So yeah. Definitely.\n\nChannel 1: Okay. Great.\n\nChannel 0: Yeah. Did you want me just to send you that email with the two or if you kind of made up your\n\nChannel 1: Yeah.\n\nChannel 0: mind? Yeah?\n\nChannel 1: No. I'm\n\nChannel 0: Yep.\n\nChannel 1: I would like to read something when I'm just sitting home\n\nChannel 0: Yeah.\n\nChannel 1: and having a coffee when I finally get home. But yeah.\n\nChannel 0: Beautiful. Absolutely. Well, let me know. You'll have my email there as well. So you're welcome\n\nChannel 1: Yeah.\n\nChannel 0: to email me back if you have additional questions or if you wanna get that go down the personal advice route. Absolutely happy to help you with that. In\n\nChannel 1: Yep.\n\nChannel 0: the meantime, if you like, we can just leave everything as it is for the moment. We can do a catch up kind of around about June if you like just to see how\n\nChannel 1: Yep.\n\nChannel 0: things are tracking and maybe looking at updating the advice side of things for you because you are tracking towards retirement. So we could always look to update the advice and maybe focus on retirement aspect and see where we're tracking what it looks like and what we can maybe do if there's anything to alter at that time. Does that sound like something you'd\n\nChannel 1: Yeah.\n\nChannel 0: like\n\nChannel 1: Sounds good. Yeah.\n\nChannel 0: to do then? Yep. Beautiful. Possible advice conversation around about June, and then if we can always touch base on how those contributions are going for you as well. Okay?\n\nYep. Perfect.\n\nChannel 1: Yep. And\n\nChannel 0: Well,\n\nChannel 1: the\n\nChannel 0: good.\n\nChannel 1: other\n\nChannel 0: Have\n\nChannel 1: one, I think,\n\nChannel 0: absolutely.\n\nChannel 1: was\n\nChannel 0: Yes.\n\nChannel 1: the fees. I was trying to see how much fees or when does it get capped, my fees?\n\nChannel 0: Yep. So at the moment, our ongoing service fees are 1.65% per annum. At the moment, they cap it the balance is 600,000. We are\n\nChannel 1: Right.\n\nChannel 0: looking to change the fee very soon. However, when that comes into play, essentially, the higher your balance get, the lower your ongoing percentage becomes. So when that changes, we'll we'll come back, and I'll have a conversation with you and show you what that looks like. But at the moment, under the current fee structure you have, you pay 1.65% per annum. That is capped at balances of 600,000.\n\nThe 1.65% is deducted in small monthly increments as well, so it is essentially attached to the performance of your super. So when your super is doing really well, when you're getting a great 11% return, then it does mean the amount we're getting is a little bit higher. However, if the mark was to take a bit of a dip, if we did see the market start because of what was happening in the world generally, then it means that our fee takes a bit of a dip there with it as well. So we're not charging you the same amount every month regardless of the performance of your super. So it is linked to the performance in a way as well.\n\nDoes that make sense?\n\nChannel 1: Yeah. Yeah. No. That's because I was just concerned that it's a little bit higher for the returns I've got, like, example, this year. Because when I first joined, it was it was quite substantial return, I think, the first couple of years.\n\nChannel 0: Yeah. Well, the the idea is in what we're sort of wanting to see is we're wanting to make sure that the that with your super that we make that 1.65%, but then you get additional on top of that. So the return I just gave you before is net of fees. So you've had, in the last twelve months from last year to now, an 11.45% return. As a dollar figure, you've made in gross and income $37,531.\n\nAnd that's after all the fees and rebates and costs have come out, so it's after your fees. So whilst our fee has come out of the super, you've also made a really good return on top of that.\n\nChannel 1: Alright.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Yeah. And the idea of having us they obviously we are as financial advisers, we are a service that we are here for you to utilize. So it does mean that we do wanna update the advice, reevaluate the investments that you know, when time comes as well, and provide additional advice to you. There's no extra cost to the advice we do provide. That's all part of being an ongoing service client as well.\n\nSo making sure you're getting value, helping you in whatever way we possibly can, reviewing the investments, your risk profile, helping you with additional advice when need be as well. Does that make a little bit more sense?\n\nChannel 1: Yeah. No. It's good. Yeah. Because\n\nChannel 0: Yeah.\n\nChannel 1: the one I need one on the email was at the cap from what we've already talked about. You can send me that email. It'll be great.\n\nChannel 0: Yep. Yeah.\n\nChannel 1: I'll get on top of that next week two weeks when I get back to work.\n\nChannel 0: Yeah.\n\nChannel 1: And I think, honestly, for me, I'm pretty simple and basic, but it'll be the transition into retirement. It'll be the next one I'll need advice on.\n\nChannel 0: Yeah. Well, as I kinda mentioned, we do wanna maybe update the advice this year just to kinda reflect some of the investments in there are doing really well. Some of them are a little bit down. So we might watch to see if there's maybe some changes to be made. One of the investments you have in your portfolio at the moment is the Benelong Australian Equities.\n\nWhen you came on board, that was put in there to give you a little bit of the active management component in there. Bennelong is something we do wanna look at maybe removing out of the portfolio. It, like last year, has had a bit of an issue with one of its underlying investments. Corporate Traveler was one of their companies that they had invested in through the fund. They\n\nChannel 1: Yes.\n\nChannel 0: had been a bit dishonest to the market. It had come out, and it meant that Benelongs had to reevaluate that portion of their investments. They kind of haven't really done a lot of active management in there in the past. They've kind of hold held on to everything. But our investment committee have kind of looked at this investment option and gone, look.\n\nIt might be time to maybe move people out of it. It's not it's being downgraded as an investment. And in your portfolio, whilst you're up 11%, that one investment is down a little bit as well. So this year, we are trying to move everyone out of Bennelong and put something in its place. Because you've had a great return, you are looking to put more money into super.\n\nHappy to keep it there for just another few months. But when we catch up in June, I definitely like to maybe look at the portfolio, maybe look at restructuring some things, and just seeing what the market looks like at that time for you. Okay.\n\nChannel 1: Yeah. But in those sort of decisions, I don't have anything to do with them. You're doing all that, I\n\nChannel 0: We do. We still have to update the advice to reflect those sorts of changes. If you wanted me to now just do an advice document, I can just do one now just to remove that along and put something in its place and provide that. We just can't move that investment out without updating the advice structure, and that's because the advice documents we've provided in the past have outlined what investments we're investing your money in and what percentage that money is being invested at. For us to change that investment, we have to update the advice to reflect.\n\nSo it's it's kind of like you we make the decision for you and tell you what we're gonna do with the funds, but you get to decide whether you're comfortable with that decision or not. And we still have to update the advice to make you aware of the changes and things like that. So I did you want me just to update an investment only advice document now just to remove that along for you and put something else in its place and kind\n\nChannel 1: Well,\n\nChannel 0: of make sure\n\nChannel 1: if\n\nChannel 0: you're staying invested?\n\nChannel 1: it\n\nChannel 0: Or\n\nChannel 1: like, I I've mentioned this more than once, but I know nothing\n\nChannel 0: yeah.\n\nChannel 1: about it and that's why I've come with you guys.\n\nChannel 0: Yeah.\n\nChannel 1: So\n\nChannel 0: That's okay.\n\nChannel 1: I'm I'm happy to, you know, follow your lead like I've done so far. I'm still making money\n\nChannel 0: Yeah.\n\nChannel 1: since I've been with you. So\n\nChannel 0: Yeah. No. That's okay. I mean, I'm more than happy to do that if you're comfortable with me. I can just do an investment only document, which basically scopes everything else out.\n\nWe just I just look at the investments within the portfolio there, remove that along, and put something else in its place that's had a better past performance and will work better for you. And I could also look at this maybe rebalancing the investments as well to make sure you're still invested in line with that kind of risk profile that we had you in. I'll obviously look at the tax consequences because when we buy and sell investments inside super, your super fund still does a tax return for you inside super.\n\nChannel 1: Yeah.\n\nChannel 0: So I can minimize the CGT consequences and maybe remove that out and put something else in place and just do a bit of a rebalance for you and provide the updated advice. Would you like me to do that now for you?\n\nChannel 1: Yeah. I'm happy with that. Yeah.\n\nChannel 0: Yeah. Is there anything else kind of interest wise that you wanted to see in your portfolio, or you're sort of happy with whatever we decide making sure that, you know, we're looking after you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: That and that was the biggest thing about my call the other week was, like, it's getting close to retirement for me and that. So I've\n\nChannel 0: Yeah.\n\nChannel 1: sort of been blase over, like, many years, but I'm\n\nChannel 0: Yeah.\n\nChannel 1: just trying to sort of keep on top of it or,\n\nChannel 0: Absolutely.\n\nChannel 1: you know, keep active in it to a certain\n\nChannel 0: Yeah.\n\nChannel 1: degree.\n\nChannel 0: Yeah. I mean, the other option is if you wanted me just to hold off on doing any advice for now, we can do a catch up in June where we can talk about the contributions that have been going in, look at the caps. We can talk about maybe restructuring the super. We can restructure maybe the the investments as a whole, and I can incorporate to a limited extent the retirement aspect. So I can show you what the recommendations are and what we wanna do to change your portfolio now, but then also show you over the you know, in the next six years what this might look like for you at the age of 62 and where we should be tracking and how long super should last you from 62 onwards based on those recommendations.\n\nIt is a much bigger advice piece to do, but I'm more than happy to do that for you. That is part of my job, making sure that we're looking that far ahead and taking\n\nChannel 1: Yeah.\n\nChannel 0: into\n\nChannel 1: Yeah.\n\nChannel 0: account your retirement aspect. Would you like to do just the investments now, or did you want me to do a bigger advice piece with you in June and really nut down what your goals are moving forward and look at the retirement aspect for you?\n\nChannel 1: Yeah. The second one. Yeah. That'd\n\nChannel 0: The second\n\nChannel 1: be\n\nChannel 0: one?\n\nChannel 1: that sounds really interesting. Yeah.\n\nChannel 0: Yeah. Perfect. It's really important that we do consider that because you are six years away, and there's a lot of time between now and six years. A lot can happen, but at the same time, as you said, you're getting closer to retirement. It's important to think about what this looks like for you, and we can factor in the increase, the contributions, maybe alter the portfolio a bit.\n\nI can even look at, you know, look at the super fund the way we did last time, maybe look at cheaper super funds or something. But then also look at, in six years' time, based on my recommendations, what does this look like for you? And when you start drawing an income out of super, how long is super expected to last? You know, are you then eligible for age pension? And, you know, what can we do to kind of make sure everything lasts a long time?\n\nBecause once you get to 60 or 62 and you do retire, you still normally have about twenty to thirty years in retirement that you have to be able to draw income out for. So longevity past that point is also really important to factor in, and that's something that I do a lot of here. So\n\nChannel 1: Yeah. Yeah. Well, that sounds like, well, perfect, actually, to have a have that advice, then I could read through\n\nChannel 0: yeah.\n\nChannel 1: it and see where I'm at.\n\nChannel 0: Yeah. Absolutely. Well, I'll tell you what I'll do. I will not do anything right now. I will send you the email with information, the contributions.\n\nI'll put\n\nChannel 1: Yep.\n\nChannel 0: a little thing in my calendar. One of my beautiful admin team, Michelle, will probably touch base early June. We'll book you in for a catch up chat. We can go through, reevaluate everything, have a really good look at what your goals are. It also gives you a bit of time between now and then to think about what your retirement looks like for you, what kinda income you might wanna live on on a weekly or monthly basis, and what\n\nChannel 1: Yep.\n\nChannel 0: what you wanna do in those retirement years, how do you wanna spend those years, and then we can formulate a tailored advice document, personal advice on what that looks like, change the investments, maybe look at the super fund, and look at the long term retirement aspect for you as well. Okay?\n\nChannel 1: Yep. No. It\n\nChannel 0: Yep.\n\nChannel 1: sounds good.\n\nChannel 0: Perfect. All good. Is did you have any other questions that you wanted to ask while you do have me here? Have I answered those ones sufficiently?\n\nChannel 1: No.\n\nChannel 0: Do you\n\nChannel 1: You've done you've\n\nChannel 0: yeah.\n\nChannel 1: you've given me more than enough to think about on the plane shortly\n\nChannel 0: Perfect. Perfect.\n\nChannel 1: and for the next two weeks.\n\nChannel 0: Beautiful. Well, if there is anything else that you think of, I'll you'll have my email address, and I'll send you that email shortly\n\nChannel 1: Yeah.\n\nChannel 0: this afternoon. And you can always email me back, and we can touch base. And I'll make a point that June we touch base again, and we sort of reevaluate all the advice for you. Okay?\n\nChannel 1: Okay. Great.\n\nChannel 0: Easy. Not a problem at all.\n\nChannel 1: Alright. Well, thanks\n\nChannel 0: I hope\n\nChannel 1: very\n\nChannel 0: you\n\nChannel 1: much for the call. I feel well, not better, but I feel more\n\nChannel 0: yeah.\n\nChannel 1: informed and, well, I feel like making some good choices anyway. Thanks\n\nChannel 0: Yeah.\n\nChannel 1: very much.\n\nChannel 0: That's okay, Jamie. If you're ever concerned about anything, let me know. That's what we're here for. I will always make time to touch base with you and answer any questions you have. Okay?\n\nChannel 1: Okay. Thanks very much.\n\nChannel 0: My pleasure. Have a safe flight. Have a good afternoon and lovely rest, and I'll get that email out to you shortly.\n\nChannel 1: Alright then. Bye. Thank you.\n\nChannel 0: My pleasure.\n\nChannel 1: Bye.\n\nChannel 0: See you later. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.56,"end":1.06,"sentiment":"neutral","sentiment_score":0.022900748997926712}],"sentiment":"neutral","sentiment_score":0.022900748997926712,"channel":1,"num_words":1,"start":0.56,"end":1.06},{"sentences":[{"text":"Hi, Jamie.","start":1.76,"end":2.3999999,"sentiment":"neutral","sentiment_score":0.10716459527611732},{"text":"This is Dana from Oakview Financial.","start":2.3999999,"end":4.08,"sentiment":"neutral","sentiment_score":0.1542473721007506},{"text":"How are you today?","start":4.08,"end":5.06,"sentiment":"neutral","sentiment_score":0.19142381101846695}],"sentiment":"neutral","sentiment_score":0.15879238893588385,"channel":0,"num_words":12,"start":1.76,"end":5.06},{"sentences":[{"text":"Good.","start":5.68,"end":6.0,"sentiment":"positive","sentiment_score":0.4761912226676941},{"text":"Thanks.","start":6.0,"end":6.3199997,"sentiment":"positive","sentiment_score":0.5200203657150269},{"text":"How are you?","start":6.3199997,"end":6.98,"sentiment":"neutral","sentiment_score":0.3033385177453359}],"sentiment":"positive","sentiment_score":0.38124542832374575,"channel":1,"num_words":5,"start":5.68,"end":6.98},{"sentences":[{"text":"I'm very well.","start":7.2,"end":8.08,"sentiment":"positive","sentiment_score":0.5266433556874593},{"text":"Thank you.","start":8.08,"end":8.48,"sentiment":"positive","sentiment_score":0.6181304752826691},{"text":"I had you pulled in for a bit of a follow-up chat today.","start":8.48,"end":10.719999,"sentiment":"neutral","sentiment_score":0.1824786250407879},{"text":"Isn't this still a good time there for","start":10.719999,"end":12.32,"sentiment":"neutral","sentiment_score":0.11629001190885901}],"sentiment":"neutral","sentiment_score":0.23533589378572428,"channel":0,"num_words":26,"start":7.2,"end":12.32},{"sentences":[{"text":"Yeah.","start":12.32,"end":12.82,"sentiment":"neutral","sentiment_score":0.08743125200271606}],"sentiment":"neutral","sentiment_score":0.08743125200271606,"channel":1,"num_words":1,"start":12.32,"end":12.82},{"sentences":[{"text":"you?","start":12.32,"end":12.82,"sentiment":"neutral","sentiment_score":0.1097383350133896}],"sentiment":"neutral","sentiment_score":0.1097383350133896,"channel":0,"num_words":1,"start":12.32,"end":12.82},{"sentences":[{"text":"Yep.","start":13.04,"end":13.54,"sentiment":"neutral","sentiment_score":0.10119545459747314}],"sentiment":"neutral","sentiment_score":0.10119545459747314,"channel":1,"num_words":1,"start":13.04,"end":13.54},{"sentences":[{"text":"Yeah.","start":13.485,"end":13.985,"sentiment":"neutral","sentiment_score":0.18132823705673215},{"text":"Beautiful.","start":14.125,"end":14.625,"sentiment":"positive","sentiment_score":0.5304161906242371},{"text":"How's your day been so far?","start":14.925,"end":16.705,"sentiment":"neutral","sentiment_score":0.2797141298651695}],"sentiment":"neutral","sentiment_score":0.2987536508589983,"channel":0,"num_words":8,"start":13.485,"end":16.705},{"sentences":[{"text":"Good.","start":17.385,"end":17.625,"sentiment":"neutral","sentiment_score":0.28559601306915283},{"text":"I just finished night shift and just landed in Perth.","start":17.625,"end":20.445,"sentiment":"neutral","sentiment_score":0.20533968061208724}],"sentiment":"neutral","sentiment_score":0.21263571083545685,"channel":1,"num_words":11,"start":17.385,"end":20.445},{"sentences":[{"text":"Oh,","start":20.845,"end":21.244999,"sentiment":"neutral","sentiment_score":0.13759492337703705}],"sentiment":"neutral","sentiment_score":0.13759492337703705,"channel":0,"num_words":1,"start":20.845,"end":21.244999},{"sentences":[{"text":"So on","start":21.065,"end":21.465,"sentiment":"neutral","sentiment_score":0.12413430213928223}],"sentiment":"neutral","sentiment_score":0.12413430213928223,"channel":1,"num_words":2,"start":21.065,"end":21.465},{"sentences":[{"text":"wow.","start":21.244999,"end":21.744999,"sentiment":"neutral","sentiment_score":0.20606735348701477}],"sentiment":"neutral","sentiment_score":0.20606735348701477,"channel":0,"num_words":1,"start":21.244999,"end":21.744999},{"sentences":[{"text":"the way home.","start":21.465,"end":22.185,"sentiment":"neutral","sentiment_score":0.15420158207416534},{"text":"Mhmm.","start":22.185,"end":22.685,"sentiment":"neutral","sentiment_score":0.11891023814678192}],"sentiment":"neutral","sentiment_score":0.1453787460923195,"channel":1,"num_words":4,"start":21.465,"end":22.685},{"sentences":[{"text":"Yeah.","start":22.765,"end":23.244999,"sentiment":"neutral","sentiment_score":0.2560881972312927},{"text":"Nice.","start":23.244999,"end":23.744999,"sentiment":"positive","sentiment_score":0.4549062252044678},{"text":"Home for a bit of a rest and hopefully a decent sleep this afternoon.","start":23.805,"end":26.785,"sentiment":"positive","sentiment_score":0.4289505460432598}],"sentiment":"positive","sentiment_score":0.4197688791900873,"channel":0,"num_words":16,"start":22.765,"end":26.785},{"sentences":[{"text":"Yeah.","start":27.305,"end":27.75,"sentiment":"neutral","sentiment_score":0.19751913845539093},{"text":"For sure.","start":28.87,"end":29.61,"sentiment":"neutral","sentiment_score":0.20160400867462158}],"sentiment":"neutral","sentiment_score":0.20024238526821136,"channel":1,"num_words":3,"start":27.305,"end":29.61},{"sentences":[{"text":"All all good.","start":29.460001,"end":30.820002,"sentiment":"positive","sentiment_score":0.3600200414657593},{"text":"I was trying not to take up too much of your time there,","start":30.820002,"end":32.98,"sentiment":"neutral","sentiment_score":0.015072333698089305}],"sentiment":"neutral","sentiment_score":0.07975002890452743,"channel":0,"num_words":16,"start":29.460001,"end":32.98},{"sentences":[{"text":"Yeah.","start":32.71,"end":33.21,"sentiment":"neutral","sentiment_score":0.08616922795772552}],"sentiment":"neutral","sentiment_score":0.08616922795772552,"channel":1,"num_words":1,"start":32.71,"end":33.21},{"sentences":[{"text":"Jamie.","start":32.98,"end":33.48,"sentiment":"neutral","sentiment_score":0.06892430782318115},{"text":"Just to good double 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yeah.","start":417.76498,"end":418.805,"sentiment":"neutral","sentiment_score":-0.002578413113951683}],"sentiment":"neutral","sentiment_score":-0.002578413113951683,"channel":1,"num_words":2,"start":417.76498,"end":418.805},{"sentences":[{"text":"Yeah?","start":418.52,"end":419.02,"sentiment":"neutral","sentiment_score":0.005332380533218384}],"sentiment":"neutral","sentiment_score":0.005332380533218384,"channel":0,"num_words":1,"start":418.52,"end":419.02},{"sentences":[{"text":"And because I remember last time when the Ukraine war broke out, they've been telling me 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year.","start":982.88995,"end":987.38995,"sentiment":"neutral","sentiment_score":0.09241680326786908}],"sentiment":"neutral","sentiment_score":0.09241680326786908,"channel":1,"num_words":11,"start":982.88995,"end":987.38995},{"sentences":[{"text":"Yep.","start":987.76,"end":988.26,"sentiment":"neutral","sentiment_score":0.12699705362319946},{"text":"So so a 133,000 salary annually there.","start":989.92,"end":994.89996,"sentiment":"neutral","sentiment_score":0.09565657802990504},{"text":"Let's just your employer contributions are 12%.","start":995.36,"end":999.73505,"sentiment":"neutral","sentiment_score":0.06318634429148265},{"text":"Do you know are they paying anything higher over that 12?","start":999.73505,"end":1002.955,"sentiment":"neutral","sentiment_score":-0.0060878407887437124}],"sentiment":"neutral","sentiment_score":0.045074279276797406,"channel":0,"num_words":26,"start":987.76,"end":1002.955},{"sentences":[{"text":"No.","start":1003.745,"end":1004.245,"sentiment":"neutral","sentiment_score":-0.16522307693958282},{"text":"No.","start":1004.65,"end":1004.89,"sentiment":"neutral","sentiment_score":-0.2188652455806732}],"sentiment":"neutral","sentiment_score":-0.19204416126012802,"channel":1,"num_words":2,"start":1003.745,"end":1004.89},{"sentences":[{"text":"Nope.","start":1004.695,"end":1005.17505,"sentiment":"neutral","sentiment_score":-0.3274245858192444}],"sentiment":"neutral","sentiment_score":-0.3274245858192444,"channel":0,"num_words":1,"start":1004.695,"end":1005.17505},{"sentences":[{"text":"I 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okay.","start":1006.455,"end":1007.17505,"sentiment":"neutral","sentiment_score":0.16743119060993195},{"text":"Definitely have a look at your contract because you work for BHP, don't you?","start":1007.17505,"end":1011.43506,"sentiment":"neutral","sentiment_score":0.14198679849505424}],"sentiment":"neutral","sentiment_score":0.14105997760506236,"channel":0,"num_words":17,"start":1005.655,"end":1011.43506},{"sentences":[{"text":"Yes.","start":1011.37,"end":1011.87,"sentiment":"neutral","sentiment_score":0.09491372108459473}],"sentiment":"neutral","sentiment_score":0.09491372108459473,"channel":1,"num_words":1,"start":1011.37,"end":1011.87},{"sentences":[{"text":"Yeah.","start":1012.27997,"end":1012.6,"sentiment":"neutral","sentiment_score":-0.03560703992843628},{"text":"Just double check with your employer to make sure that you're not essentially being paid more than that 12% because 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get.","start":1020.83997,"end":1021.5,"sentiment":"neutral","sentiment_score":0.040555983781814575}],"sentiment":"neutral","sentiment_score":0.040555983781814575,"channel":0,"num_words":2,"start":1020.83997,"end":1021.5},{"sentences":[{"text":"I","start":1021.22504,"end":1021.72504,"sentiment":"neutral","sentiment_score":0.03978008031845093}],"sentiment":"neutral","sentiment_score":0.03978008031845093,"channel":1,"num_words":1,"start":1021.22504,"end":1021.72504},{"sentences":[{"text":"Yeah.","start":1021.63995,"end":1022.13995,"sentiment":"neutral","sentiment_score":0.05705815553665161}],"sentiment":"neutral","sentiment_score":0.05705815553665161,"channel":0,"num_words":1,"start":1021.63995,"end":1022.13995},{"sentences":[{"text":"I think they match share.","start":1022.105,"end":1023.72504,"sentiment":"neutral","sentiment_score":0.057042335718870164},{"text":"Oh, match shares.","start":1025.145,"end":1026.185,"sentiment":"neutral","sentiment_score":0.03986139968037605},{"text":"Is it all they match my","start":1026.185,"end":1028.265,"sentiment":"neutral","sentiment_score":0.03956413517395655}],"sentiment":"neutral","sentiment_score":0.04587004919137273,"channel":1,"num_words":14,"start":1022.105,"end":1028.265},{"sentences":[{"text":"Mhmm.","start":1028.055,"end":1028.555,"sentiment":"neutral","sentiment_score":0.021993212401866913}],"sentiment":"neutral","sentiment_score":0.021993212401866913,"channel":0,"num_words":1,"start":1028.055,"end":1028.555},{"sentences":[{"text":"contribution, I 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moment?","start":1046.04,"end":1047.98,"sentiment":"neutral","sentiment_score":-0.04508359055034816}],"sentiment":"neutral","sentiment_score":0.011044670029410295,"channel":0,"num_words":49,"start":1034.135,"end":1047.98},{"sentences":[{"text":"I think it's only $5,540, I think it is, a fortnight.","start":1049.215,"end":1054.675,"sentiment":"neutral","sentiment_score":-0.020600413564931263}],"sentiment":"neutral","sentiment_score":-0.020600413564931263,"channel":1,"num_words":11,"start":1049.215,"end":1054.675},{"sentences":[{"text":"540 per fortnight?","start":1055.255,"end":1057.035,"sentiment":"neutral","sentiment_score":-0.0018302646931260824},{"text":"No 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total contributions, this is just based on the 12% there, and the current salary sacrifice on a fortnightly basis.","start":1072.5499,"end":1082.795,"sentiment":"neutral","sentiment_score":0.1087000271571534},{"text":"It shows that current in current employer contributions altogether will be around what are we looking at?","start":1082.935,"end":1093.1151,"sentiment":"neutral","sentiment_score":0.046351274037185836},{"text":"So employer sorry.","start":1095.7,"end":1097.46,"sentiment":"neutral","sentiment_score":-0.07332833607991536}],"sentiment":"neutral","sentiment_score":0.08366299998015166,"channel":0,"num_words":50,"start":1071.35,"end":1097.46},{"sentences":[{"text":"My computer's a little bit slow.","start":1097.46,"end":1098.74,"sentiment":"neutral","sentiment_score":-0.24809091041485468},{"text":"It's thinking about it.","start":1098.74,"end":1100.12,"sentiment":"neutral","sentiment_score":-0.11221540346741676},{"text":"Employer contributions at 12% based on your income is 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the carry forward rule.","start":1137.725,"end":1155.43,"sentiment":"neutral","sentiment_score":0.18213805318512816}],"sentiment":"neutral","sentiment_score":0.1688218613853678,"channel":0,"num_words":64,"start":1127.85,"end":1155.43},{"sentences":[{"text":"So once you get to the end of the financial year, they've got all your contributions in there.","start":1155.43,"end":1159.5901,"sentiment":"neutral","sentiment_score":0.17137006380491787},{"text":"It should trigger the carry forward.","start":1159.5901,"end":1161.37,"sentiment":"neutral","sentiment_score":0.2725388954083125},{"text":"And you can be putting that in there.","start":1161.805,"end":1163.165,"sentiment":"neutral","sentiment_score":0.32288020849227905},{"text":"You don't have to wait.","start":1163.165,"end":1164.4651,"sentiment":"neutral","sentiment_score":0.19232397377490998},{"text":"It's more just about making sure that when the ACO at the end of the financial year get reported all the contributions that have gone 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anything, let me know.","start":2462.32,"end":2464.6401,"sentiment":"neutral","sentiment_score":0.2905031012164222},{"text":"That's what we're here for.","start":2464.6401,"end":2465.9402,"sentiment":"positive","sentiment_score":0.3691896438598633},{"text":"I will always make time to touch base with you and answer any questions you have.","start":2466.08,"end":2469.585,"sentiment":"positive","sentiment_score":0.40548327937722206},{"text":"Okay?","start":2469.585,"end":2470.085,"sentiment":"neutral","sentiment_score":0.1992998719215393}],"sentiment":"positive","sentiment_score":0.3665221482515335,"channel":0,"num_words":34,"start":2461.28,"end":2470.085},{"sentences":[{"text":"Okay.","start":2470.5352,"end":2471.0151,"sentiment":"positive","sentiment_score":0.3606655597686768},{"text":"Thanks very much.","start":2471.0151,"end":2472.155,"sentiment":"positive","sentiment_score":0.7671752174695333}],"sentiment":"positive","sentiment_score":0.6655478030443192,"channel":1,"num_words":4,"start":2470.5352,"end":2472.155},{"sentences":[{"text":"My pleasure.","start":2472.551,"end":2473.191,"sentiment":"positive","sentiment_score":0.8018635809421539},{"text":"Have a safe flight.","start":2473.191,"end":2474.231,"sentiment":"positive","sentiment_score":0.787222146987915},{"text":"Have a good afternoon and lovely rest, and I'll get that email out to you shortly.","start":2474.231,"end":2478.011,"sentiment":"positive","sentiment_score":0.6807276196777821}],"sentiment":"positive","sentiment_score":0.7111026211218401,"channel":0,"num_words":22,"start":2472.551,"end":2478.011},{"sentences":[{"text":"Alright then.","start":2478.375,"end":2479.0952,"sentiment":"neutral","sentiment_score":0.2800897806882858},{"text":"Bye.","start":2479.0952,"end":2479.415,"sentiment":"neutral","sentiment_score":0.2617790400981903},{"text":"Thank you.","start":2479.415,"end":2480.155,"sentiment":"positive","sentiment_score":0.7086316347122192}],"sentiment":"positive","sentiment_score":0.4478443741798401,"channel":1,"num_words":5,"start":2478.375,"end":2480.155},{"sentences":[{"text":"My pleasure.","start":2480.551,"end":2481.191,"sentiment":"positive","sentiment_score":0.6509042680263519}],"sentiment":"positive","sentiment_score":0.6509042680263519,"channel":0,"num_words":2,"start":2480.551,"end":2481.191},{"sentences":[{"text":"Bye.","start":2481.175,"end":2481.675,"sentiment":"positive","sentiment_score":0.3945600986480713}],"sentiment":"positive","sentiment_score":0.3945600986480713,"channel":1,"num_words":1,"start":2481.175,"end":2481.675},{"sentences":[{"text":"See you later.","start":2481.191,"end":2482.091,"sentiment":"positive","sentiment_score":0.43140576283137005},{"text":"Bye.","start":2482.151,"end":2482.651,"sentiment":"neutral","sentiment_score":-0.08300590515136719}],"sentiment":"neutral","sentiment_score":0.30280284583568573,"channel":0,"num_words":4,"start":2481.191,"end":2482.651}]},"summary":{"result":"success","short":"During a call with Jamie from Oakview Financial, Dana discusses the benefits of using unused cap space and personal advice for Jamie. They also discuss tax regulations and the VIX index. The speakers emphasize the importance of limiting selling during market dips and maximizing return through downtime. They also discuss the benefits of a transgender time and strategy, as well as updating employer contributions and updating investment portfolios. The speakers emphasize the importance of considering retirement goals and retirement scenarios, and offer to restructure investments to make the customer aware of changes to their portfolio. They plan to update the investment advice only advice document and discuss retirement scenarios with the customer."},"intents":{"segments":[{"text":"I had you pulled in for a bit of a follow-up chat today. Isn't this still a good time there for you? Yeah. Yep.","start_word":23,"end_word":46,"intents":[{"intent":"Check availability","confidence_score":0.06500846}]},{"text":"to do security there with you as well, we are discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file.","start_word":151,"end_word":184,"intents":[{"intent":"Confirm information","confidence_score":0.012251427}]},{"text":"Jamie, having a bit of a look here, I can see when you spoke to my colleague, Samantha, you had some questions about possibly using some unused concessional cap. You had, I believe, about 49,000 unused cap space. What sort of questions can I help you with?","start_word":270,"end_word":316,"intents":[{"intent":"Inquire about use of caps","confidence_score":0.0026251415}]},{"text":"If you are increasing your salary sacrifice in order to use up the unused cap space from previous years, you just need to be very careful. Essentially, if your balance goes over that $500,000 mark as at the June 30 any financial year, then you lose access to those previous cap years.","start_word":366,"end_word":417,"intents":[{"intent":"Optimize salary sacrifices","confidence_score":0.026714344}]},{"text":"If you ever do have any questions or wanna maybe have a chat to me or get me to review that and provide that personal advice, you absolutely can. You have me here.","start_word":969,"end_word":1001,"intents":[{"intent":"Provide advice","confidence_score":0.065734334}]},{"text":"If you're if you're comfortable taking like, doing that, you can speak to your employer. Let them know if you have any struggles or feel like it might be a bit uneasy or have additional questions, then you can always come back and talk to me. Advice Yes.","start_word":1192,"end_word":1239,"intents":[{"intent":"Evaluate advice and schedule meeting with therapist","confidence_score":1.0979703e-8}]},{"text":"Well, to kind of sort of look at that for you, and one of the things I have been looking at is essentially what's called the VIX index, and that's sent to is that essentially tracks investor concern in the markets and the type of volatility that we are sort of expected to look at.","start_word":1440,"end_word":1494,"intents":[{"intent":"Analyze vx index","confidence_score":0.046116527}]},{"text":"At the moment, it's sitting at about 24%. Anything on the VIX index over 20% means that there is a bit of concern around the markets. Investors are a bit wary, and they are expecting some ups and downs, some volatility to occur. Are a bit wary, and they are expecting some ups and downs, some volatility to occur.","start_word":1494,"end_word":1552,"intents":[{"intent":"Discuss market volatility","confidence_score":0.19387309}]},{"text":"Anything on the VIX index over 20% means that there is a bit of concern around the markets.","start_word":1502,"end_word":1519,"intents":[{"intent":"Address investor concerns","confidence_score":0.038348004}]},{"text":"When I have a look at that, it is sitting at 24.92 at the moment, but it's not at its highest point. It was actually up even higher, and over the last sort of day, it's dropped by about 13%.","start_word":1567,"end_word":1606,"intents":[{"intent":"Review equities performance","confidence_score":0.000812833}]},{"text":"I do wanna sort of point out that I do expect market volatility over the next few months to be a thing. We are gonna see those ups and downs, but it's also about diversifying your portfolio, making sure that you are taking a little bit less risk in the market when you need to and making sure you're spreading your risk level.","start_word":1650,"end_word":1712,"intents":[{"intent":"Evaluate risk levels","confidence_score":0.0003656565}]},{"text":"We are gonna see those ups and downs, but it's also about diversifying your portfolio, making sure that you are taking a little bit less risk in the market when you need to and making sure you're spreading your risk level.","start_word":1672,"end_word":1712,"intents":[{"intent":"Discuss portfolio diversification","confidence_score":0.26896852},{"intent":"Improve portfolio performance","confidence_score":0.0001934275}]},{"text":"We do wanna maybe look at removing that out of the portfolio at some point as well.","start_word":1867,"end_word":1883,"intents":[{"intent":"Identify purpose","confidence_score":0.002376998}]},{"text":"Did you want me to maybe do a risk profile with you and just reevaluate the market and where it's at, or did you wanna sort of sit tight for maybe a couple of months and we do a catch up in maybe three months and see what the end of financial year brings for us? Or Yeah.","start_word":2343,"end_word":2400,"intents":[{"intent":"Reevaluate market","confidence_score":0.017862668}]},{"text":"Are you I know you told my colleague Smith that you were sort of hoping to access super, maybe retire around age 60 or 62.","start_word":2446,"end_word":2470,"intents":[{"intent":"Access super","confidence_score":0.569141},{"intent":"Consider retirement time","confidence_score":0.0036786774}]},{"text":"One of those is more called a transgender time and strategy where you can be increasing your contributions in the super to maximize the caps as much as possible.","start_word":2600,"end_word":2628,"intents":[{"intent":"Maximize contributions and super benefit","confidence_score":0.000041582167}]},{"text":"So the way the catch up contributions work is that, essentially, you need to utilize is this year's cap space first, and that yeah. sort of triggers the bring for the carry forward rule. So once you've completed you've put the the $430,000 in for this financial year, then it lets you start using the previous financial year's cap. It sort of triggers it, and that's when you kinda go back.","start_word":2828,"end_word":2898,"intents":[{"intent":"Utilize cap space for future use","confidence_score":0.0038125736}]},{"text":"You utilize the oldest year's cap first, and it kinda works forward from there. So Yeah.","start_word":2900,"end_word":2915,"intents":[{"intent":"Explain cap usage","confidence_score":0.0014325726}]},{"text":"So so a 133,000 salary annually there. Let's just your employer contributions are 12%. Do you know are they paying anything higher over that 12? No. No.","start_word":3166,"end_word":3192,"intents":[{"intent":"Understand salary sensitivity","confidence_score":8.580695e-8}]},{"text":"Nope. I don't Nope. think It's so. okay.","start_word":3193,"end_word":3200,"intents":[{"intent":"Express understanding","confidence_score":0.00009837095}]},{"text":"Definitely have a look at your contract because you work for BHP, don't you? Yes.","start_word":3203,"end_word":3217,"intents":[{"intent":"Discuss contract structure","confidence_score":0.0000966635}]},{"text":"It's more just about making sure that when the ACO at the end of the financial year get reported all the contributions that have gone in, they'll look at that and go, hey. You've exceeded the cap.","start_word":3579,"end_word":3615,"intents":[{"intent":"Ensure reporting","confidence_score":0.00015483896}]},{"text":"is what you were able to use over and above the cap to trigger the bring it forward rule.","start_word":3654,"end_word":3672,"intents":[{"intent":"Trigger bring it forward rule","confidence_score":0.08430239}]},{"text":"those things around about tax time when I know things are actually getting updated by the ACO and just keeping an eye on your contributions going.","start_word":3734,"end_word":3759,"intents":[{"intent":"Update tax time","confidence_score":0.0069680293}]},{"text":"And I think last year, I sent you that my pay calculator as well. Did you get that email through? Yeah.","start_word":3760,"end_word":3780,"intents":[{"intent":"Pay calculator","confidence_score":0.0796212}]},{"text":"You can always use that tool as well just checking on, you know, what it looks like, the contributions going in, adding them up a little bit.","start_word":3783,"end_word":3809,"intents":[{"intent":"Use tool","confidence_score":0.14933293}]},{"text":"You can always use that tool as well just checking on, you know, what it looks like, the contributions going in, adding them up a little bit. And as I said, you know, if Netwealth, we get lists of contributions and things like that. The super funds tend to sort of flag when contributions are getting close to the cap as well.","start_word":3783,"end_word":3844,"intents":[{"intent":"Adjust contributions","confidence_score":0.00196441}]},{"text":"Getting as much money into super now is definitely a benefit because you do are about six years out from where you wanna retire. So Yeah.","start_word":3889,"end_word":3914,"intents":[{"intent":"Retirement plan","confidence_score":0.00083268323}]},{"text":"So then if we're utilizing you, do you wanna sort of cap out that 7,000 for the first year?","start_word":3956,"end_word":3974,"intents":[{"intent":"Cap 7,000 extra contributions","confidence_score":0.014577039}]},{"text":"So if we sort of divide that and you make that, you get paid Yeah.","start_word":4144,"end_word":4158,"intents":[{"intent":"Divide amount","confidence_score":0.025569918}]},{"text":"I'm So gonna what multiply would that be that. as the percent payment?","start_word":4202,"end_word":4214,"intents":[{"intent":"Calculate payment amount","confidence_score":0.036470152}]},{"text":"they ask me to fill out this form, it's always just a percentage. Yep.","start_word":4223,"end_word":4236,"intents":[{"intent":"Fill out form","confidence_score":0.5364119}]},{"text":"You wanna claim them as a tax deduction, and the amount you can put into super becomes a tax deduction for you on your personal income tax return.","start_word":4573,"end_word":4600,"intents":[{"intent":"Specify tax deduction options","confidence_score":0.00016527885}]},{"text":"You can also keep an eye on it. You can do it on a regular basis in the super, and we can always send you the the details for making that deposit, either sort of ETF or b pay, however is preferable to yourself. Yes.","start_word":4635,"end_word":4679,"intents":[{"intent":"Send deposit details","confidence_score":0.00025655743}]},{"text":"Did you want me to send you an email? I can give you just a little bit of a breakdown on kind of the deductible contribution versus the sales stack, and you can kind of just mull your eyes over it. Yeah.","start_word":4726,"end_word":4767,"intents":[{"intent":"Provide breakdown","confidence_score":0.037771456}]},{"text":"The other way of doing it with that deductible contribution, essentially, you're putting that 5,000 in as a lump sum or on a regular basis over time. It sits in there as a non concessional contribution. So an after tax contribution sits in your tax free component. Once Yeah.","start_word":4915,"end_word":4963,"intents":[{"intent":"Confirm contribution","confidence_score":0.0026080995}]},{"text":"You've claimed it as a under the notice and that you wanna deduct it from your income, and they can utilize that 5,000 as a deductible on your personal tax return.","start_word":5001,"end_word":5031,"intents":[{"intent":"Deduct tax","confidence_score":0.17312834}]},{"text":"Do you wanna be making that contribution manually, or is it easy to have it done as part of your employer contributions? That way, you don't have to think about it at the same Yeah. time.","start_word":5061,"end_word":5096,"intents":[{"intent":"Make contributions","confidence_score":0.0541802}]},{"text":"On par, they've both got the 15% tax deducted out when the contribution, you know, is put in, whether Yeah. it's done now or at tax time. You still pay 15% tax. You still have the money invested, which is kind of great. Either way, you're putting extra money into super. And doing that now rather than waiting for four years down the track, the compounding effect is much greater. Yeah.","start_word":5192,"end_word":5262,"intents":[{"intent":"Consolidate deductions","confidence_score":0.010577455}]},{"text":"to email me back if you have additional questions or if you wanna get that go down the personal advice route. Absolutely happy to help you with that.","start_word":5336,"end_word":5363,"intents":[{"intent":"Provide help with questions","confidence_score":0.00014442671}]},{"text":"to email me back if you have additional questions or if you wanna get that go down the personal advice route. Absolutely happy to help you with that. In Yep.","start_word":5336,"end_word":5365,"intents":[{"intent":"Email additional information","confidence_score":0.00006990719}]},{"text":"We can do a catch up kind of around about June if you like just to see how Yep. things are tracking and maybe looking at updating the advice side of things for you because you are tracking towards retirement. So we could always look to update the advice and maybe focus on retirement aspect and see where we're tracking what it looks like and what we can maybe do if there's anything to alter at that time.","start_word":5382,"end_word":5459,"intents":[{"intent":"Update advice and discuss contributions","confidence_score":0.0023416441}]},{"text":"I was trying to see how much fees or when does it get capped, my fees?","start_word":5518,"end_word":5533,"intents":[{"intent":"Analyze account data","confidence_score":8.2892177e-7}]},{"text":"I was trying to see how much fees or when does it get capped, my fees? Yep.","start_word":5518,"end_word":5534,"intents":[{"intent":"Observe performance and fees","confidence_score":1.0572652e-8},{"intent":"Discuss fee structure","confidence_score":0.13466866},{"intent":"Inquire about fees","confidence_score":0.001102961},{"intent":"Discuss fee structure","confidence_score":0.22450945},{"intent":"Discuss how to pay with fees","confidence_score":3.1734107e-8}]},{"text":"So at the moment, our ongoing service fees are 1.65% per annum. At the moment, they cap it the balance is 600,000. We are Right.","start_word":5535,"end_word":5559,"intents":[{"intent":"Explain current fee structure","confidence_score":0.00070644537}]},{"text":"looking to change the fee very soon. However, when that comes into play, essentially, the higher your balance get, the lower your ongoing percentage becomes. So when that changes, we'll we'll come back, and I'll have a conversation with you and show you what that looks like.","start_word":5560,"end_word":5606,"intents":[{"intent":"Discuss future changes","confidence_score":0.015601437}]},{"text":"And the idea of having us they obviously we are as financial advisers, we are a service that we are here for you to utilize. So it does mean that we do wanna update the advice, reevaluate the investments that you know, when time comes as well, and provide additional advice to you.","start_word":5923,"end_word":5975,"intents":[{"intent":"Provide advisor and retirement advice","confidence_score":3.461128e-7}]},{"text":"Well, as I kinda mentioned, we do wanna maybe update the advice this year just to kinda reflect some of the investments in there are doing really well.","start_word":6117,"end_word":6144,"intents":[{"intent":"Update advice","confidence_score":0.781981}]},{"text":"Bennelong is something we do wanna look at maybe removing out of the portfolio.","start_word":6206,"end_word":6219,"intents":[{"intent":"Remove from portfolio","confidence_score":0.33148384}]},{"text":"But when we catch up in June, I definitely like to maybe look at the portfolio, maybe look at restructuring some things, and just seeing what the market looks like at that time for you. Okay.","start_word":6398,"end_word":6433,"intents":[{"intent":"Explore portfolio restructuring","confidence_score":0.0005592212}]},{"text":"We just can't move that investment out without updating the advice structure, and that's because the advice documents we've provided in the past have outlined what investments we're investing your money in and what percentage that money is being invested at.","start_word":6501,"end_word":6541,"intents":[{"intent":"Provide advice","confidence_score":0.17521492}]},{"text":"We just can't move that investment out without updating the advice structure, and that's because the advice documents we've provided in the past have outlined what investments we're investing your money in and what percentage that money is being invested at. For us to change that investment, we have to update the advice to reflect.","start_word":6501,"end_word":6555,"intents":[{"intent":"Update advice structure","confidence_score":0.28334448},{"intent":"Update advice","confidence_score":0.6951908}]},{"text":"So it's it's kind of like you we make the decision for you and tell you what we're gonna do with the funds, but you get to decide whether you're comfortable with that decision or not.","start_word":6555,"end_word":6590,"intents":[{"intent":"Make decision","confidence_score":0.4981097}]},{"text":"I'm I'm happy to, you know, follow your lead like I've done so far. I'm still making money Yeah.","start_word":6678,"end_word":6696,"intents":[{"intent":"Follow lead","confidence_score":0.8368651}]},{"text":"And I could also look at this maybe rebalancing the investments as well to make sure you're still invested in line with that kind of risk profile that we had you in.","start_word":6769,"end_word":6800,"intents":[{"intent":"Rebalancing investments","confidence_score":0.13099587}]},{"text":"We can talk about maybe restructuring the super. We can restructure maybe the the investments as a whole, and I can incorporate to a limited extent the retirement aspect.","start_word":7023,"end_word":7051,"intents":[{"intent":"Restructure super","confidence_score":0.16468988}]},{"text":"Would you like to do just the investments now, or did you want me to do a bigger advice piece with you in June and really nut down what your goals are moving forward and look at the retirement aspect for you? Yeah.","start_word":7159,"end_word":7201,"intents":[{"intent":"Discuss retirement goals","confidence_score":0.027918393}]},{"text":"We can go through, reevaluate everything, have a really good look at what your goals are.","start_word":7516,"end_word":7531,"intents":[{"intent":"Evaluate retirement goals","confidence_score":0.047459483}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Jamie. This is Dana from Oakview Financial. How are you today?","start_word":0,"end_word":12,"sentiment":"neutral","sentiment_score":0.1429835557937622},{"text":"Good. Thanks.","start_word":13,"end_word":14,"sentiment":"positive","sentiment_score":0.4981057941913605},{"text":"How are you?","start_word":15,"end_word":17,"sentiment":"neutral","sentiment_score":0.32041940093040466},{"text":"I'm very well. Thank you.","start_word":18,"end_word":22,"sentiment":"positive","sentiment_score":0.5476557612419128},{"text":"I had you pulled in for a bit of a follow-up chat today. Isn't this still a good time there for you? Yeah. Yep. Yeah.","start_word":23,"end_word":47,"sentiment":"neutral","sentiment_score":0.13734422624111176},{"text":"Beautiful.","start_word":48,"end_word":48,"sentiment":"positive","sentiment_score":0.5304161906242371},{"text":"How's your day been so far? Good. I just finished night shift and just landed in Perth. Oh, So on wow. the way home. Mhmm. Yeah.","start_word":49,"end_word":74,"sentiment":"neutral","sentiment_score":0.20806264877319336},{"text":"Nice. Home for a bit of a rest and hopefully a decent sleep this afternoon.","start_word":75,"end_word":89,"sentiment":"positive","sentiment_score":0.4315602779388428},{"text":"Yeah. For sure.","start_word":90,"end_word":92,"sentiment":"neutral","sentiment_score":0.19944767653942108},{"text":"All all good.","start_word":93,"end_word":95,"sentiment":"positive","sentiment_score":0.35855865478515625},{"text":"I was trying not to take up too much of your time there, Yeah. Jamie. Just to good double check before we jump into the call completely, just to let you know, we do record our calls for quality and training purposes. Are you happy for me to proceed with that?","start_word":96,"end_word":146,"sentiment":"neutral","sentiment_score":0.08939436078071594},{"text":"Beautiful.","start_word":147,"end_word":147,"sentiment":"positive","sentiment_score":0.35824984312057495},{"text":"And just Yeah. to do security there with you as well, we are discussing your personal information. I'll just get you to confirm your full name, your date of birth, and address I should have on file. Jamie Lee Pinon, twenty sixth Yep. of the second seventy Spot one three four Iron Lane, Caribbean, Park, Odellville. Yep.","start_word":148,"end_word":204,"sentiment":"neutral","sentiment_score":0.060291241854429245},{"text":"Perfect. Thank you so much for that.","start_word":205,"end_word":211,"sentiment":"positive","sentiment_score":0.37080198526382446},{"text":"And happy birthday for last month.","start_word":212,"end_word":217,"sentiment":"neutral","sentiment_score":0.2535804212093353},{"text":"That's not good.","start_word":218,"end_word":220,"sentiment":"negative","sentiment_score":-0.3878557085990906},{"text":"Did you get any time off or do anything special, or you just sort of went No. through it? Yeah. We're through it. We've got Yeah. enough They of them. they they hit differently as you get a bit older, don't they? I understand Yeah. that. No. All good. Jamie, having a bit of a look here, I can see when you spoke to my colleague, Samantha, you had some questions about possibly using some unused concessional cap. You had, I believe, about 49,000 unused cap space. What sort of questions can I help you with? Well, I already sell it in sacrifice. Yep. So I was just wondering, can I salary sacrifice more to use those caps, or does it have to be after tax money to use those caps? Yeah. No. You absolutely can. And that that can be completed by salary sacrifice.","start_word":221,"end_word":365,"sentiment":"neutral","sentiment_score":-0.07257761405459766},{"text":"If you are increasing your salary sacrifice in order to use up the unused cap space from previous years, you just need to be very careful. Essentially, if your balance goes over that $500,000 mark as at the June 30 any financial year, then you lose access to those previous cap years.","start_word":366,"end_word":417,"sentiment":"negative","sentiment_score":-0.39389535784721375},{"text":"And the other thing to consider is if you're salary sacrificing and you use up all the cap space, you don't wanna keep salary sacrificing. You wanna be able to reduce that back Change a little it bit. back. So Yes. yeah. If you wanted to, we could always look providing some personal advice for you around that to maybe make a recommendation to utilize the cap space and show you what that looks like, the advantages, disadvantages, risks involved to kinda help you make the decision as you are getting close to those retirement years as well. Yeah. Well, for me personally, I was I was waiting to talk to you today, but when I go Yeah. back to work next week, I was thinking about going and adjusting the percentage I do, salary Yep. sacrifice. Yep. And That's I'm okay. aware of the cap and the five years and the 500, so I Yep. would keep an eye on it and knock it back down. Yeah.","start_word":418,"end_word":585,"sentiment":"neutral","sentiment_score":0.028445592150092125},{"text":"That's absolutely fine.","start_word":586,"end_word":588,"sentiment":"positive","sentiment_score":0.38794443011283875},{"text":"If you're comfortable just doing that, you don't wanna receive personal advice, that's not a problem at all. You can just switch your employer, increase that as you'd like to. Down the track as we sort of catch up, it is important that we review things with you and just make sure you don't exceed those caps in saying Yeah. that. Every couple of years, they are hoping to kind of increase the cap a little bit by around 2,500. So Yeah. there's It goes up this year, doesn't it? it's supposed to. Yeah. There's no real confirmation that it's actually happening yet, but it is something I'm definitely keeping an eye on because it is supposed to increase this year. It says the $32,500, so we'll And just another keep an thing eye with on the that. Yeah. yeah. Another thing with the caps is the caps is that, like, if all their tax comes out of it, like, they take 15% tax, is it? It is. Yeah. It does look on your gross contribution. So as much as your contributions go in there from your employer and 15% tax is deducted out of that contribution, the amount your employer puts in there. So say if you get $2,000 in SDC contributions, they account that $2,000, not the fifth not the difference between the tax. So it is gross contribution rate that is added to your caps. Yeah. I thought so. Yeah. Yeah. That that it would be nice if they didn't consider that taxation side of things. It would give us a little bit of leeway, but, unfortunately, I see it's all coming tax is always a part of it, isn't it? Yeah. Yeah. Well, I shouldn't because it doesn't actually make it in there, does it? No. But at the same thing, like, with your with your income. So when you look at your assessable income, your assessable income is considered your gross income, not the you know, and you your taxes worked out on that. So it's exactly the same sort of Yeah. thing. Same Yeah. scenario. Yeah. Yeah.","start_word":589,"end_word":941,"sentiment":"neutral","sentiment_score":0.013936409162141108},{"text":"All good.","start_word":942,"end_word":943,"sentiment":"positive","sentiment_score":0.35117921233177185},{"text":"Yeah. Yeah. So you're that's okay. So you're comfortable just letting your employer know that wanna increase your contributions? That's fine. Yep. Yep.","start_word":944,"end_word":966,"sentiment":"neutral","sentiment_score":0.2740721106529236},{"text":"That's okay. If you ever do have any questions or wanna maybe have a chat to me or get me to review that and provide that personal advice, you absolutely can. You have me here. You may also utilize me to the full extent. It's not a problem at all.","start_word":967,"end_word":1016,"sentiment":"positive","sentiment_score":0.3798404633998871},{"text":"Okay? Okay. And that comes out of my face, isn't it? Yeah. Yeah. Or Correct. is that extra? No. No. It's definitely not. So you're an ongoing service client, which means you pay the ongoing service fee, and that allows you and entitles you to additional advice. Order for us to provide advice, we do need to obviously update all of your circumstances. We go back and do in-depth research around providing the advice, and that way we'd give you an advice document sort of like what you've received in the past. And then Yeah. you get to decide whether you take the advice or not. There's never you're never obligated to take on the advice we do provide, but there's no additional cost as an ongoing client for advice documents. It's all part of the fees you pay. Yeah. Okay. Because I'm not that real good with the finance either, but I I see this as relatively straightforward. Yeah. I I I yeah. That's So I think okay.","start_word":1017,"end_word":1185,"sentiment":"neutral","sentiment_score":0.1119596635448862},{"text":"I'll be alright. Yeah. You're fine.","start_word":1186,"end_word":1191,"sentiment":"positive","sentiment_score":0.365033358335495},{"text":"If you're if you're comfortable taking like, doing that, you can speak to your employer. Let them know if you have any struggles or feel like it might be a bit uneasy or have additional questions, then you can always come back and talk to me. Advice Yes. doesn't always have to be personal. It can just be general in nature. I can give you information. There's lots of other areas that we can touch base on, and we'll check-in and do catch ups and any reviews with you as we do anyway. So Yeah. you can always flag anything, or if we see contributions because we see the contributions coming into Netwealth as well. So we can always flag if we feel like you're getting closer to your cap space and, you know, need to review things with you as well. Okay. Yeah.","start_word":1192,"end_word":1335,"sentiment":"neutral","sentiment_score":0.17123112082481384},{"text":"Cool. Perfect.","start_word":1336,"end_word":1337,"sentiment":"positive","sentiment_score":0.5781140327453613},{"text":"The other note I had here was that you wanted to have a bit of a chat about the market and maybe your risk profile. Yeah. See Does where that I was ring at a bell? and yeah. Yeah? And because I remember last time when the Ukraine war broke out, they've been telling me to Mhmm. go defensive more. I didn't know if I should be trying to yeah. I don't know what this war they're doing now is gonna affect anything yet or just Yeah. wait. Yep. No. That's Just ride okay. it out a bit. Absolutely. Good question. Well, to kind of sort of look at that for you, and one of the things I have been looking at is essentially what's called the VIX index, and that's sent to is that essentially tracks investor concern in the markets and the type of volatility that we are sort of expected to look at. At the moment, it's sitting at about 24%. Anything on the VIX index over 20% means that there is a bit of concern around the markets.","start_word":1338,"end_word":1519,"sentiment":"neutral","sentiment_score":-0.03358896617051009},{"text":"Investors are a bit wary, and they are expecting some ups and downs, some volatility to occur. Are a bit wary, and they are expecting some ups and downs, some volatility to occur.","start_word":1520,"end_word":1552,"sentiment":"negative","sentiment_score":-0.4313597679138184},{"text":"Anything under that kind of 20% sort of is spent to talk about stability. When I have a look at that, it is sitting at 24.92 at the moment, but it's not at its highest point.","start_word":1553,"end_word":1588,"sentiment":"neutral","sentiment_score":-0.15050481259822843},{"text":"It was actually up even higher, and over the last sort of day, it's dropped by about 13%. So whilst we are expecting a bit of volatility there, you know, investor concern within the market is definitely taking a bit of a dip. It's not you know, investor concern is is stabilizing a little bit at the moment. That could change.","start_word":1589,"end_word":1649,"sentiment":"negative","sentiment_score":-0.4119817912578583},{"text":"I do wanna sort of point out that I do expect market volatility over the next few months to be a thing. We are gonna see those ups and downs, but it's also about diversifying your portfolio, making sure that you are taking a little bit less risk in the market when you need to and making sure you're spreading your risk level. So one of the big things we do wanna look at is, like, if equities don't do so well over the next few months, you've also got assets like gold in your portfolio, which is there to kind of mitigate. Gold is a growth investment, but it's also in your portfolio to act defensively. And history has shown that when equities don't do so well, so when businesses and companies on the ASX are are down significantly, people put money into gold as a bit of a safe haven there. And your portfolio, Yep. having a look at the last twelve months, so from this time last year to now, your portfolio has still seen 11.45% return.","start_word":1650,"end_word":1829,"sentiment":"neutral","sentiment_score":0.1191666307548682},{"text":"So you're still seeing a very good return even with the ups and downs that we have definitely seen.","start_word":1830,"end_word":1848,"sentiment":"positive","sentiment_score":0.5741409659385681},{"text":"One of your investments within your portfolio, then along Australian equities, that is down a little bit more. We do wanna maybe look at removing that out of the portfolio at some point as well. But you're in also more of a balanced growth environment. Because remember, back in sort of 2023, we did reduce your risk level significantly. So Yeah. that that you know, sort of in the highest risk level. And in a balanced growth environment, you normally see about sort of 70% of your funds invested in growth assets. So, like, Australian shares, international shares, listed property, and also commodities like the gold and silver aspect. And then the other defensive investments, things like cash, bonds, and fixed interest, you normally then see around about sorry. Around about sort of 40 30% invested in that area to kind of provide some lower risk investments as well.","start_word":1849,"end_word":1997,"sentiment":"neutral","sentiment_score":0.14161932468414307},{"text":"So you it looks like you are pretty well invested across the board. You do have good diversification in there. Your portfolio has been a fairly decent return.","start_word":1998,"end_word":2025,"sentiment":"positive","sentiment_score":0.6736456155776978},{"text":"And what we sort of wanna do is we wanna limit selling things when the market is down as much as possible. Yes. Essentially, you know, by selling at investments when they are seeing a bit of a dip, but when they are down is cementing losses. And if we continuously do that over time, we actually don't make much of a profit. We don't we end up just cementing all the downtimes, and our super doesn't have a chance to grow. But if you're looking to keep salary sacrificing and maybe increase net in, even when we do see this volatility in the ups and downs in the market over over the next couple of months, you're putting regular contributions in there. You'll get to take advantage of those downtimes as well in those certain investments. So where investments might be lower, might have seen a bit of a downturn, you putting money in at those particular points in time, meaning that when the market comes out, you've bought into the dip into the discount at the time.","start_word":2026,"end_word":2204,"sentiment":"neutral","sentiment_score":-0.047174965744244984},{"text":"And as the market recovers out, as that investment recovers out, you actually do gain a little bit. It can reduce your buy pricing, and it can provide you with a greater return as the market recovers out as well.","start_word":2205,"end_word":2244,"sentiment":"positive","sentiment_score":0.4744148850440979},{"text":"So Okay. yeah. Yeah. It's about sort of looking at the way the way the market is, the way you are invested, and utilizing downtime to your advantage as well. As long as you're comfortable with the, you know, the portfolio you're in, you're happy to sort of wait out, you're not gonna retire in the next couple of years, then, realistically, Yeah. you know, you you do have that time horizon ahead of you to sort of withstand those downtimes and keep investing through it.","start_word":2245,"end_word":2330,"sentiment":"neutral","sentiment_score":0.24974095821380615},{"text":"It's always a good always a good scenario.","start_word":2331,"end_word":2338,"sentiment":"positive","sentiment_score":0.4272045493125915},{"text":"Yeah. Yeah. Okay. Yeah. Did you want me to maybe do a risk profile with you and just reevaluate the market and where it's at, or did you wanna sort of sit tight for maybe a couple of months and we do a catch up in maybe three months and see what the end of financial year brings for us? Or Yeah.","start_word":2339,"end_word":2400,"sentiment":"neutral","sentiment_score":-0.036195240914821625},{"text":"No.","start_word":2401,"end_word":2401,"sentiment":"negative","sentiment_score":-0.3334834575653076},{"text":"I'm happy to sit tight and ride yep. it out a bit. Yeah. Because I know that part. So if you panic now, you may be loose, but Yeah. just sort of ride it out. Yep. Yep. That's okay. And how do you look? Are you I know you told my colleague Smith that you were sort of hoping to access super, maybe retire around age 60 or 62. Is that still when you'd like Yeah. to access your Six super? 62 is probably more the case. Because when I get 60, they wanna put me on job share work, which means virtually semi retired. It's Okay. like work two weeks, four weeks off, work two weeks, Yep. four weeks off. Okay. Will that affect your income or your earning capacity at that time, or will you still sort of be on the same income? Because you'll be doing full weeks as well, won't you? Yeah. On the it probably still around a 130, maybe a 100 Yep. and 42,000 a year or something, I think. Yep.","start_word":2402,"end_word":2578,"sentiment":"neutral","sentiment_score":-0.02424747471587133},{"text":"Perfect.","start_word":2579,"end_word":2579,"sentiment":"positive","sentiment_score":0.5439155101776123},{"text":"No. That's okay. When you do hit 60, there's other sort of strategies that we can look at as well. One of those is more called a transgender time and strategy where you can be increasing your contributions in the super to maximize the caps as much as possible.","start_word":2580,"end_word":2628,"sentiment":"neutral","sentiment_score":0.2440018504858017},{"text":"But then because it's reduced your take home pay, we're able to, under the rules, access a little bit of money out of super. It works really well because you're keeping the same take home pay as much as you possibly can. You're putting more Yeah. into super, so your super is benefiting from those extra contributions. And then you you are you paying less income tax overall because the money we can draw at to supplement your income is tax free. So there are those Yes. advantages to those sorts of strategies. And when you turn 60 or when you get closer to 60, we could definitely maybe have a bit more of a chat around that and look at what kind of benefit that may provide as well for you.","start_word":2629,"end_word":2760,"sentiment":"positive","sentiment_score":0.4881725609302521},{"text":"Yeah. And another thing about those caps, if I go to my HR when I come back to work Yeah. Yep. because they always ask for a percentage Okay. of what? So that 49,000 cap that I've got now, Yep. I can use. Can Yep. that be, like, 5,000 a year or 10,000 a year or something like that? Or Yeah. that That's it definitely can do. So the way the catch up contributions work is that, essentially, you need to utilize is this year's cap space first, and that yeah. sort of triggers the bring for the carry forward rule. So once you've completed you've put the the $430,000 in for this financial year, then it lets you start using the previous financial year's cap. It sort of triggers it, and that's when you kinda go back. You utilize the oldest year's cap first, and it kinda works forward from there.","start_word":2761,"end_word":2912,"sentiment":"neutral","sentiment_score":0.11925449477214564},{"text":"So Yeah. you can absolutely do a 5,000 per year if you want to.","start_word":2913,"end_word":2926,"sentiment":"positive","sentiment_score":0.4776570200920105},{"text":"It just means that if you don't if you don't use all of the previous year, once we get to the July 1, the oldest year is no longer available. So yeah. Yeah. Well, I have to go and have a look at it again, but I'm pretty sure the oldest year was 7000 something. Yep.","start_word":2927,"end_word":2982,"sentiment":"neutral","sentiment_score":0.029578400775790215},{"text":"Perfect.","start_word":2983,"end_word":2983,"sentiment":"positive","sentiment_score":0.5956643223762512},{"text":"So yeah. I'd I'd have a before I do it all, I'll go and have a look again on myGov where it Yep. was. Yep. And what I roughly thought about when I first initially looked at, maybe I'll increase it to another 5,000 a year, and then I can sort of just set it and forget it Yep. for a few years anyway. Well, Yeah. maybe two or three. Yep. I'll Yeah. just have a quick I can just pull up the details of your income there to kinda give you a bit of a guide if you like. So you're on about 130 at the moment. What's your income currently? Yeah. $1.33, and then I'll One get a 30 bonus three. of that. Yep. So, yeah, it's $1.46, I Yep. And do you receive employer contributions on the bonus as well, or is that just on think. your base No. income? Yeah. Just on my base. Yeah. Just on your base. Okay. So we're working on the 133. And if I get a annual pay rise 4% every year. Yep. So so a 133,000 salary annually there. Let's just your employer contributions are 12%. Do you know are they paying anything higher over that 12? No. No. Nope. I don't Nope. think It's so. okay. That's okay. Definitely have a look at your contract because you work for BHP, don't you? Yes. Yeah. Just double check with your employer to make sure that you're not essentially being paid more than that 12% because that I can think increase I do how much because you get. I Yeah. I think they match share. Oh, match shares. Is it all they match my Mhmm. contribution, I think. No. I Double can't really remember. Yep. that's okay. Double if you've got your employment contract there, have a bit of a look at it. If not, double check with your payroll when you kinda go and talk to them to see if there's anything over that 12%. What are you self sacking at the moment? I think it's only $5,540, I think it is, a fortnight. 540 per fortnight? No worries Yeah. at all. I'll just update that.","start_word":2984,"end_word":3349,"sentiment":"neutral","sentiment_score":0.046550714679296466},{"text":"Beautiful.","start_word":3350,"end_word":3350,"sentiment":"positive","sentiment_score":0.36674392223358154},{"text":"Sorry. I just had on here $4.40 per week. So 540 per fortnight. Yeah. Yep.","start_word":3351,"end_word":3365,"sentiment":"neutral","sentiment_score":0.0340917594730854},{"text":"Perfect.","start_word":3366,"end_word":3366,"sentiment":"positive","sentiment_score":0.3669385612010956},{"text":"So having a look at that at the moment, total contributions, this is just based on the 12% there, and the current salary sacrifice on a fortnightly basis. It shows that current in current employer contributions altogether will be around what are we looking at? So employer sorry. My computer's a little bit slow. It's thinking about it. Employer contributions at 12% based on your income is 15,960. And then just spinning, adding in this the fortnightly salary sacrifice there as well. Yep.","start_word":3367,"end_word":3449,"sentiment":"neutral","sentiment_score":0.00871229637414217},{"text":"Perfect.","start_word":3450,"end_word":3450,"sentiment":"positive","sentiment_score":0.35508280992507935},{"text":"That adds an extra 14,040 in contributions. Yeah. That sounds Zero. about right because I tried to keep it under the the towels in the cap. Yeah. Perfect. So plus $6.00 plus $14.00 $4.00. So that brings you up to the $30,000 cap. So that's essentially your current employer contributions plus your current salary sacrifice will maximize the cap, which means that anything you put in over and above your current sales cycle employer will essentially be used in the will be added or taken from the carry forward rule. So once you get to the end of the financial year, they've got all your contributions in there. It should trigger the carry forward. And you can be putting that in there. You don't have to wait. It's more just about making sure that when the ACO at the end of the financial year get reported all the contributions that have gone in, they'll look at that and go, hey. You've exceeded the cap. But that's okay. Last financial year, June 30, your balance is under 500 k. You had access to carry forward. This is your, you know, most long this is the what you had available five years ago. This Yeah. is what you were able to use over and above the cap to trigger the bring it forward rule. So it's kinda just a bit of a process, but you can start salary sacrificing that now to sort of keep an eye on it, just sort of make sure that you are looking at your myGov maybe on, you know, a regular basis just to sort of see. It doesn't get updated all the time. I tend to check Yeah. those things around about tax time when I know things are actually getting updated by the ACO and just keeping an eye on your contributions going. And I think last year, I sent you that my pay calculator as well. Did you get that email through? Yeah. Yeah. Yeah. You can always use that tool as well just checking on, you know, what it looks like, the contributions going in, adding them up a little bit. And as I said, you know, if Netwealth, we get lists of contributions and things like that. The super funds tend to sort of flag when contributions are getting close to the cap as well. So we can definitely, you know, give you a call and sort of catch up with you if if we feel like it's getting too close to the cap. But, yeah, if you're comfortable Okay. going ahead with that, there's nothing wrong with that.","start_word":3451,"end_word":3888,"sentiment":"neutral","sentiment_score":0.11473065971919937},{"text":"Getting as much money into super now is definitely a benefit because you do are about six years out from where you wanna retire.","start_word":3889,"end_word":3912,"sentiment":"positive","sentiment_score":0.40577471256256104},{"text":"So Yeah. That's Yeah. right. So in saying that, just say that first year, the oldest year is '7 Yep. thousand, which I'm pretty sure it was. Yep.","start_word":3913,"end_word":3940,"sentiment":"neutral","sentiment_score":0.06436628848314285},{"text":"$5.40 would be too much, wouldn't it? I sort of wanna have that again.","start_word":3941,"end_word":3954,"sentiment":"negative","sentiment_score":-0.4054134786128998},{"text":"So then if we're utilizing you, do you wanna sort of cap out that 7,000 for the first year? Well, that's what I was intending to do.","start_word":3955,"end_word":3981,"sentiment":"neutral","sentiment_score":0.10560140758752824},{"text":"I was amazed to use everything I can.","start_word":3982,"end_word":3989,"sentiment":"positive","sentiment_score":0.5783125758171082},{"text":"I don't know. It just sit Mhmm. there, isn't it? Yeah. I'm And not you're sure if wanting that's the way I'd look at it, but that's okay. Are you kind of wanting to cap it out by the end of the financial year this year, or you kinda wanting to break it down a little bit more? oh, yeah. Yeah. I was just sort of well, I wanted to get, like, the average so I could leave it for or at least I till I hit 500,000. Yep. Yep.","start_word":3990,"end_word":4079,"sentiment":"neutral","sentiment_score":0.06329982727766037},{"text":"That's okay.","start_word":4080,"end_word":4081,"sentiment":"positive","sentiment_score":0.4226303994655609},{"text":"So if we work on, say, And what was still manageable 5 for me to take home, you know? thousand. Yeah. Yeah.","start_word":4082,"end_word":4103,"sentiment":"neutral","sentiment_score":0.21493250131607056},{"text":"Absolutely.","start_word":4104,"end_word":4104,"sentiment":"positive","sentiment_score":0.400077223777771},{"text":"So So yeah. you mentioned before, you've got the $7,000 cap in the oldest financial year available, Yeah. but you said you were sort of hoping to do 5,000 extra contributions. Is that what you're after, the 5,000? Yep. So if we sort of divide that and you make that, you get paid Yeah. fortnightly. Yeah. Yeah.","start_word":4105,"end_word":4161,"sentiment":"neutral","sentiment_score":0.09407737851142885},{"text":"Yeah. Perfect.","start_word":4162,"end_word":4163,"sentiment":"positive","sentiment_score":0.5053385496139526},{"text":"So dividing that and making it fortnightly for you, so roughly twenty six weeks in a year fortnight. So it's about a $192.31, say. And this gross before they tax it, isn't it? That is correct. Yeah. Alright. I'm So gonna what multiply would that be that. as the percent payment? Of your income, Yeah. 30 Because when one. they ask me to fill out this form, it's always just a percentage. Yep. So it works out to be around about it's definitely it's, like, point 14% of your income based on that. But I don't know if your employer wants it to be if your employer wants it to be, like, the percentage as a whole including your color color and service sacrifice, or do they want just the increase in that as a percentage against your income? I think when I get the form, it's a, like, a Yep. live form. Yep. It'll probably I'll just have to update what I'm gonna salary sacrifice. I'm not Okay. sure what it is at the moment, but I don't Yeah. know. Say it's 19%. Yep. Maybe I have to put in there 20% or 21% It might be. Yeah. like It that. might just increase it slightly. Yeah. Yep. The other option is if it's gonna be easier, the other option you can always do it as what's called a deductible contribution where you don't get your employer to put it in by way of salary sacrifice. You would, out of your income, take that money every week for that month, or you can just put it away and do it as a lump sum at the end of the financial year. And you just deposit that money from your bank account into super. It's Yeah. it goes in. This is a non concessional contribution, and then at the end of the financial year, you can claim a notice of intent. That notice of intent basically changes the changes the contribution type to that concessional. It gets added to your concessional caps there, and they do the then deduct the 15 percent. It's just another way of doing it.","start_word":4164,"end_word":4522,"sentiment":"neutral","sentiment_score":0.0793779223825274},{"text":"With claiming it that way, Okay.","start_word":4523,"end_word":4528,"sentiment":"positive","sentiment_score":0.3563307225704193},{"text":"you then can take that notice of intent or the the the they give you, like, a letter for the notice of intent. You take that back to your accountant, and you let them know that you you've made some extra contributions to super.","start_word":4529,"end_word":4572,"sentiment":"neutral","sentiment_score":0.24452939629554749},{"text":"You wanna claim them as a tax deduction, and the amount you can put into super becomes a tax deduction for you on your personal income tax return. So that's another way of doing it if you wanted to do it.","start_word":4573,"end_word":4613,"sentiment":"positive","sentiment_score":0.4772332012653351},{"text":"That way, you don't have to kinda tell your employer what percentage of your income to e increase it to. You can also keep an eye on it. You can do it on a regular basis in the super, and we can always send you the the details for making that deposit, either sort of ETF or b pay, however is preferable to yourself.","start_word":4614,"end_word":4677,"sentiment":"neutral","sentiment_score":0.24181061889976263},{"text":"Yes. And, yeah, you can do it as a deductible contribution if you wanted to.","start_word":4678,"end_word":4692,"sentiment":"positive","sentiment_score":0.3743856847286224},{"text":"It's just a a little bit of a different way of doing it and utilizing that that cap space a little bit. Okay. Yeah. I've got a few things to think about. Yeah. Did you want me to send you an email? I can give you just a little bit of a breakdown on kind of the deductible contribution versus the sales stack, and you can kind of just mull your eyes over it. Yeah.","start_word":4693,"end_word":4767,"sentiment":"neutral","sentiment_score":0.20446522533893585},{"text":"That'd be great if you could because, Yep.","start_word":4768,"end_word":4775,"sentiment":"positive","sentiment_score":0.47729724645614624},{"text":"yeah, I'm taking two weeks off now. So Yep.","start_word":4776,"end_word":4784,"sentiment":"neutral","sentiment_score":0.2274481505155563},{"text":"I've got ample time to have a look on that because I wanna try and make my mind up when I get back to work.","start_word":4785,"end_word":4809,"sentiment":"positive","sentiment_score":0.420470654964447},{"text":"I wanna do it, like, ASAP too, Yeah. Yeah. No. Definitely.","start_word":4810,"end_word":4820,"sentiment":"neutral","sentiment_score":0.25913017988204956},{"text":"Well, one of the good things about, I mean, the main sort of difference I between think.","start_word":4821,"end_word":4837,"sentiment":"positive","sentiment_score":0.3664251267910004},{"text":"the two is that the salary sacrifice comes out of your pretax income, and it's done with your employment. So you don't kind of have to think about making the contribution. And if you And are that quite time poor or don't like to log in to your account, it can be the easiest way to do well, it.","start_word":4838,"end_word":4896,"sentiment":"neutral","sentiment_score":0.20079416036605835},{"text":"I I think with me and my abilities, it's a better option.","start_word":4897,"end_word":4908,"sentiment":"positive","sentiment_score":0.3597400486469269},{"text":"Yeah. Yeah.","start_word":4909,"end_word":4910,"sentiment":"neutral","sentiment_score":0.30031752586364746},{"text":"And that's completely fine.","start_word":4911,"end_word":4914,"sentiment":"positive","sentiment_score":0.4459894001483917},{"text":"The other way of doing it with that deductible contribution, essentially, you're putting that 5,000 in as a lump sum or on a regular basis over time. It sits in there as a non concessional contribution. So an after tax contribution sits in your tax free component. Once Yeah. we claim that notice of intent, it changes the way the contribution is made. But then when you go back, you tell your employee you've made so you tell your accountant you've made that $5,000 contribution. You've claimed it as a under the notice and that you wanna deduct it from your income, and they can utilize that 5,000 as a deductible on your personal tax return. So this is a different Yeah. way of doing it.","start_word":4915,"end_word":5040,"sentiment":"neutral","sentiment_score":0.14543957127228616},{"text":"They have different pros and cons and advantages, but it also comes down to what's comfortable for you as well.","start_word":5041,"end_word":5060,"sentiment":"positive","sentiment_score":0.3362797200679779},{"text":"Do you wanna be making that contribution manually, or is it easy to have it done as part of your employer contributions? That way, you don't have to think about it at the same Yeah. time.","start_word":5061,"end_word":5096,"sentiment":"neutral","sentiment_score":0.14950765669345856},{"text":"Well, I think So for me financially, I could I could easily, but yep. I think the peace of mind is someone else was taking care of it, and it's all said and done, and and it's it requires nothing more from me.","start_word":5097,"end_word":5139,"sentiment":"positive","sentiment_score":0.4571241438388825},{"text":"You know?","start_word":5140,"end_word":5141,"sentiment":"neutral","sentiment_score":0.2024421393871307},{"text":"It makes more sense for me.","start_word":5142,"end_word":5147,"sentiment":"positive","sentiment_score":0.3430621325969696},{"text":"Yeah. Yep. Yeah. But do Absolutely. you think they're based on a power either way? Like Oh, absolutely. Absolutely. I do like with the deductible contribution, you can claim it back on your tax return, but there is that manual side to it. Yeah. On par, they've both got the 15% tax deducted out when the contribution, you know, is put in, whether Yeah. it's done now or at tax time. You still pay 15% tax.","start_word":5148,"end_word":5223,"sentiment":"neutral","sentiment_score":0.18607917428016665},{"text":"You still have the money invested, which is kind of great. Either way, you're putting extra money into super.","start_word":5224,"end_word":5242,"sentiment":"positive","sentiment_score":0.5233036279678345},{"text":"And doing that now rather than waiting for four years down the track, the compounding effect is much greater. Yeah. So yeah. Definitely. Okay.","start_word":5243,"end_word":5266,"sentiment":"neutral","sentiment_score":0.27684009075164795},{"text":"Great.","start_word":5267,"end_word":5267,"sentiment":"positive","sentiment_score":0.4183309674263001},{"text":"Yeah. Did you want me just to send you that email with the two or if you kind of made up your Yeah. mind? Yeah? No. I'm Yep. I would like to read something when I'm just sitting home Yeah. and having a coffee when I finally get home. But yeah.","start_word":5268,"end_word":5318,"sentiment":"neutral","sentiment_score":0.11612989008426666},{"text":"Beautiful. Absolutely.","start_word":5319,"end_word":5320,"sentiment":"positive","sentiment_score":0.5038997530937195},{"text":"Well, let me know. You'll have my email there as well.","start_word":5321,"end_word":5331,"sentiment":"neutral","sentiment_score":0.26317882537841797},{"text":"So you're welcome Yeah.","start_word":5332,"end_word":5335,"sentiment":"positive","sentiment_score":0.3351943790912628},{"text":"to email me back if you have additional questions or if you wanna get that go down the personal advice route.","start_word":5336,"end_word":5356,"sentiment":"neutral","sentiment_score":0.25488412380218506},{"text":"Absolutely happy to help you with that.","start_word":5357,"end_word":5363,"sentiment":"positive","sentiment_score":0.7587897777557373},{"text":"In Yep. the meantime, if you like, we can just leave everything as it is for the moment. We can do a catch up kind of around about June if you like just to see how Yep. things are tracking and maybe looking at updating the advice side of things for you because you are tracking towards retirement. So we could always look to update the advice and maybe focus on retirement aspect and see where we're tracking what it looks like and what we can maybe do if there's anything to alter at that time. Does that sound like something you'd Yeah. like Sounds good. Yeah. to do then? Yep.","start_word":5364,"end_word":5474,"sentiment":"neutral","sentiment_score":0.08290642667729575},{"text":"Beautiful.","start_word":5475,"end_word":5475,"sentiment":"positive","sentiment_score":0.6114181280136108},{"text":"Possible advice conversation around about June, and then if we can always touch base on how those contributions are going for you as well. Okay? Yep.","start_word":5476,"end_word":5501,"sentiment":"neutral","sentiment_score":0.2755242586135864},{"text":"Perfect.","start_word":5502,"end_word":5502,"sentiment":"positive","sentiment_score":0.49150028824806213},{"text":"Yep.","start_word":5503,"end_word":5503,"sentiment":"neutral","sentiment_score":0.2039113491773605},{"text":"And Well, the good.","start_word":5504,"end_word":5507,"sentiment":"positive","sentiment_score":0.3695346713066101},{"text":"other Have one, I think, absolutely. was Yes. the fees. I was trying to see how much fees or when does it get capped, my fees? Yep. So at the moment, our ongoing service fees are 1.65% per annum. At the moment, they cap it the balance is 600,000. We are Right. looking to change the fee very soon. However, when that comes into play, essentially, the higher your balance get, the lower your ongoing percentage becomes. So when that changes, we'll we'll come back, and I'll have a conversation with you and show you what that looks like. But at the moment, under the current fee structure you have, you pay 1.65% per annum. That is capped at balances of 600,000. The 1.65% is deducted in small monthly increments as well, so it is essentially attached to the performance of your super. So when your super is doing really well, when you're getting a great 11% return, then it does mean the amount we're getting is a little bit higher. However, if the mark was to take a bit of a dip, if we did see the market start because of what was happening in the world generally, then it means that our fee takes a bit of a dip there with it as well. So we're not charging you the same amount every month regardless of the performance of your super. So it is linked to the performance in a way as well. Does that make sense? Yeah. Yeah. No. That's because I was just concerned that it's a little bit higher for the returns I've got, like, example, this year. Because when I first joined, it was it was quite substantial return, I think, the first couple of years. Yeah. Well, the the idea is in what we're sort of wanting to see is we're wanting to make sure that the that with your super that we make that 1.65%, but then you get additional on top of that. So the return I just gave you before is net of fees.","start_word":5508,"end_word":5851,"sentiment":"neutral","sentiment_score":0.0330169545865596},{"text":"So you've had, in the last twelve months from last year to now, an 11.45% return.","start_word":5852,"end_word":5867,"sentiment":"positive","sentiment_score":0.3650680184364319},{"text":"As a dollar figure, you've made in gross and income $37,531. And that's after all the fees and rebates and costs have come out, so it's after your fees.","start_word":5868,"end_word":5896,"sentiment":"neutral","sentiment_score":0.2417353391647339},{"text":"So whilst our fee has come out of the super, you've also made a really good return on top of that.","start_word":5897,"end_word":5917,"sentiment":"positive","sentiment_score":0.47337353229522705},{"text":"Alright. Yeah. Okay. Yep. Yeah. And the idea of having us they obviously we are as financial advisers, we are a service that we are here for you to utilize. So it does mean that we do wanna update the advice, reevaluate the investments that you know, when time comes as well, and provide additional advice to you. There's no extra cost to the advice we do provide.","start_word":5918,"end_word":5985,"sentiment":"neutral","sentiment_score":0.27327796816825867},{"text":"That's all part of being an ongoing service client as well.","start_word":5986,"end_word":5996,"sentiment":"positive","sentiment_score":0.39904674887657166},{"text":"So making sure you're getting value, helping you in whatever way we possibly can, reviewing the investments, your risk profile, helping you with additional advice when need be as well. Does that make a little bit more sense? Yeah. No. It's good. Yeah. Because Yeah. the one I need one on the email was at the cap from what we've already talked about. You can send me that email.","start_word":5997,"end_word":6065,"sentiment":"neutral","sentiment_score":0.21054072678089145},{"text":"It'll be great.","start_word":6066,"end_word":6068,"sentiment":"positive","sentiment_score":0.4975206255912781},{"text":"Yep. Yeah. I'll get on top of that next week two weeks when I get back to work. Yeah. And I think, honestly, for me, I'm pretty simple and basic, but it'll be the transition into retirement. It'll be the next one I'll need advice on. Yeah. Well, as I kinda mentioned, we do wanna maybe update the advice this year just to kinda reflect some of the investments in there are doing really well. Some of them are a little bit down. So we might watch to see if there's maybe some changes to be made. One of the investments you have in your portfolio at the moment is the Benelong Australian Equities. When you came on board, that was put in there to give you a little bit of the active management component in there. Bennelong is something we do wanna look at maybe removing out of the portfolio. It, like last year, has had a bit of an issue with one of its underlying investments. Corporate Traveler was one of their companies that they had invested in through the fund. They Yes.","start_word":6069,"end_word":6253,"sentiment":"neutral","sentiment_score":0.03545249389434183},{"text":"had been a bit dishonest to the market. It had come out, and it meant that Benelongs had to reevaluate that portion of their investments. They kind of haven't really done a lot of active management in there in the past. They've kind of hold held on to everything.","start_word":6254,"end_word":6302,"sentiment":"negative","sentiment_score":-0.4190026521682739},{"text":"But our investment committee have kind of looked at this investment option and gone, look. It might be time to maybe move people out of it. It's not it's being downgraded as an investment. And in your portfolio, whilst you're up 11%, that one investment is down a little bit as well. So this year, we are trying to move everyone out of Bennelong and put something in its place.","start_word":6303,"end_word":6372,"sentiment":"neutral","sentiment_score":-0.21307042241096497},{"text":"Because you've had a great return, you are looking to put more money into super. Happy to keep it there for just another few months.","start_word":6373,"end_word":6397,"sentiment":"positive","sentiment_score":0.4381001591682434},{"text":"But when we catch up in June, I definitely like to maybe look at the portfolio, maybe look at restructuring some things, and just seeing what the market looks like at that time for you. Okay. Yeah. But in those sort of decisions, I don't have anything to do with them. You're doing all that, I We do. We still have to update the advice to reflect those sorts of changes. If you wanted me to now just do an advice document, I can just do one now just to remove that along and put something in its place and provide that. We just can't move that investment out without updating the advice structure, and that's because the advice documents we've provided in the past have outlined what investments we're investing your money in and what percentage that money is being invested at. For us to change that investment, we have to update the advice to reflect. So it's it's kind of like you we make the decision for you and tell you what we're gonna do with the funds, but you get to decide whether you're comfortable with that decision or not. And we still have to update the advice to make you aware of the changes and things like that. So I did you want me just to update an investment only advice document now just to remove that along for you and put something else in its place and kind Well, of make sure if you're staying invested? it Or like, I I've mentioned this more than once, but I know nothing yeah. about it and that's why I've come with you guys. Yeah. So That's okay.","start_word":6398,"end_word":6677,"sentiment":"neutral","sentiment_score":0.011931639244513853},{"text":"I'm I'm happy to, you know, follow your lead like I've done so far. I'm still making money Yeah.","start_word":6678,"end_word":6696,"sentiment":"positive","sentiment_score":0.6018242835998535},{"text":"since I've been with you. So Yeah. No. That's okay. I mean, I'm more than happy to do that if you're comfortable with me. I can just do an investment only document, which basically scopes everything else out. We just I just look at the investments within the portfolio there, remove that along, and put something else in its place that's had a better past performance and will work better for you. And I could also look at this maybe rebalancing the investments as well to make sure you're still invested in line with that kind of risk profile that we had you in. I'll obviously look at the tax consequences because when we buy and sell investments inside super, your super fund still does a tax return for you inside super. Yeah. So I can minimize the CGT consequences and maybe remove that out and put something else in place and just do a bit of a rebalance for you and provide the updated advice. Would you like me to do that now for you?","start_word":6697,"end_word":6872,"sentiment":"neutral","sentiment_score":0.15664616227149963},{"text":"Yeah. I'm happy with that.","start_word":6873,"end_word":6877,"sentiment":"positive","sentiment_score":0.5145537257194519},{"text":"Yeah. Yeah.","start_word":6878,"end_word":6879,"sentiment":"neutral","sentiment_score":0.21389184892177585},{"text":"Is there anything else kind of interest wise that you wanted to see in your portfolio, or you're sort of happy with whatever we decide making sure that, you know, we're looking after you?","start_word":6880,"end_word":6913,"sentiment":"positive","sentiment_score":0.3472917377948761},{"text":"Yeah. Yeah. Yep. That and that was the biggest thing about my call the other week was, like, it's getting close to retirement for me and that. So I've Yeah. sort of been blase over, like, many years, but I'm Yeah. just trying to sort of keep on top of it or, Absolutely. you know, keep active in it to a certain Yeah. degree. Yeah. I mean, the other option is if you wanted me just to hold off on doing any advice for now, we can do a catch up in June where we can talk about the contributions that have been going in, look at the caps. We can talk about maybe restructuring the super. We can restructure maybe the the investments as a whole, and I can incorporate to a limited extent the retirement aspect. So I can show you what the recommendations are and what we wanna do to change your portfolio now, but then also show you over the you know, in the next six years what this might look like for you at the age of 62 and where we should be tracking and how long super should last you from 62 onwards based on those recommendations.","start_word":6914,"end_word":7116,"sentiment":"neutral","sentiment_score":0.18450509011745453},{"text":"It is a much bigger advice piece to do, but I'm more than happy to do that for you. That is part of my job, making sure that we're looking that far ahead and taking Yeah.","start_word":7117,"end_word":7152,"sentiment":"positive","sentiment_score":0.6481001973152161},{"text":"into Yeah. account your retirement aspect. Would you like to do just the investments now, or did you want me to do a bigger advice piece with you in June and really nut down what your goals are moving forward and look at the retirement aspect for you? Yeah. The second one. Yeah. That'd The second be one? that sounds really interesting. Yeah. Yeah.","start_word":7153,"end_word":7216,"sentiment":"neutral","sentiment_score":0.24793630838394165},{"text":"Perfect.","start_word":7217,"end_word":7217,"sentiment":"positive","sentiment_score":0.4678034782409668},{"text":"It's really important that we do consider that because you are six years away, and there's a lot of time between now and six years. A lot can happen, but at the same time, as you said, you're getting closer to retirement. It's important to think about what this looks like for you, and we can factor in the increase, the contributions, maybe alter the portfolio a bit. I can even look at, you know, look at the super fund the way we did last time, maybe look at cheaper super funds or something. But then also look at, in six years' time, based on my recommendations, what does this look like for you? And when you start drawing an income out of super, how long is super expected to last? You know, are you then eligible for age pension? And, you know, what can we do to kind of make sure everything lasts a long time? Because once you get to 60 or 62 and you do retire, you still normally have about twenty to thirty years in retirement that you have to be able to draw income out for. So longevity past that point is also really important to factor in, and that's something that I do a lot of here. So Yeah. Yeah. Well, that sounds like, well, perfect, actually, to have a have that advice, then I could read through yeah. it and see where I'm at. Yeah. Absolutely. Well, I'll tell you what I'll do. I will not do anything right now. I will send you the email with information, the contributions. I'll put Yep. a little thing in my calendar. One of my beautiful admin team, Michelle, will probably touch base early June. We'll book you in for a catch up chat.","start_word":7218,"end_word":7515,"sentiment":"neutral","sentiment_score":0.12350231979117296},{"text":"We can go through, reevaluate everything, have a really good look at what your goals are.","start_word":7516,"end_word":7531,"sentiment":"positive","sentiment_score":0.3590147793292999},{"text":"It also gives you a bit of time between now and then to think about what your retirement looks like for you, what kinda income you might wanna live on on a weekly or monthly basis, and what Yep. what you wanna do in those retirement years, how do you wanna spend those years, and then we can formulate a tailored advice document, personal advice on what that looks like, change the investments, maybe look at the super fund, and look at the long term retirement aspect for you as well. Okay? Yep. No. It Yep.","start_word":7532,"end_word":7627,"sentiment":"neutral","sentiment_score":0.19952420890331268},{"text":"sounds good. Perfect. All good.","start_word":7628,"end_word":7632,"sentiment":"positive","sentiment_score":0.5851771235466003},{"text":"Is did you have any other questions that you wanted to ask while you do have me here? Have I answered those ones sufficiently? No. Do you You've done you've yeah. you've given me more than enough to think about on the plane shortly Perfect.","start_word":7633,"end_word":7677,"sentiment":"neutral","sentiment_score":0.07005199790000916},{"text":"Perfect. and for the next two weeks. Beautiful.","start_word":7678,"end_word":7685,"sentiment":"positive","sentiment_score":0.6002612113952637},{"text":"Well, if there is anything else that you think of, I'll you'll have my email address, and I'll send you that email shortly Yeah. this afternoon. And you can always email me back, and we can touch base. And I'll make a point that June we touch base again, and we sort of reevaluate all the advice for you. Okay? Okay.","start_word":7686,"end_word":7746,"sentiment":"neutral","sentiment_score":0.1651628613471985},{"text":"Great. Easy. Not a problem at all. Alright. Well, thanks I hope very you much for the call. I feel well, not better, but I feel more yeah. informed and, well, I feel like making some good choices anyway. Thanks Yeah. very much. That's okay, Jamie.","start_word":7747,"end_word":7792,"sentiment":"positive","sentiment_score":0.5158496499061584},{"text":"If you're ever concerned about anything, let me know.","start_word":7793,"end_word":7801,"sentiment":"neutral","sentiment_score":0.30096912384033203},{"text":"That's what we're here for. I will always make time to touch base with you and answer any questions you have.","start_word":7802,"end_word":7822,"sentiment":"positive","sentiment_score":0.3925592601299286},{"text":"Okay?","start_word":7823,"end_word":7823,"sentiment":"neutral","sentiment_score":0.1992998719215393},{"text":"Okay. Thanks very much. My pleasure. Have a safe flight. Have a good afternoon and lovely rest, and I'll get that email out to you shortly.","start_word":7824,"end_word":7849,"sentiment":"positive","sentiment_score":0.6986216306686401},{"text":"Alright then. Bye.","start_word":7850,"end_word":7852,"sentiment":"neutral","sentiment_score":0.27224230766296387},{"text":"Thank you. My pleasure. Bye. See you later.","start_word":7853,"end_word":7860,"sentiment":"positive","sentiment_score":0.5355030298233032},{"text":"Bye.","start_word":7861,"end_word":7861,"sentiment":"neutral","sentiment_score":0.21100279688835144}],"average":{"sentiment":"neutral","sentiment_score":0.11948645394037322}}}}