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Is now still a good time? Brilliant. Just before we jump into that one, Zoran, if I could just pass you through security with that name, date of birth, and current address, we'll get stuck into that today. Perfect. Thanks for that one, Zoran. Now just before we jump into the actual statement of advice, can I just confirm in regards to, like, your assets and client details that nothing's changed since we, like, originally started the process and gone through everything and created the document? Everything's largely unchanged. Yeah. Perfect. We did include that in the the statement of advice in regards to that salary sacrifice because I didn't know you wanna get close to the the cap there, and we just threw the numbers into that to show you what that sort of looks like. Obviously, you started contributing a bit more in the the time that since we spoke as well. So, yeah, just be mindful. Go under myGov if you're ever unsure and just double check the cap space you have there. Perfect. Now I am going to send you out a document, and then that will be going to your email there, and that will be zedoknic@yahoo.com.au. Is that still correct? So what I can do is because you can't see the document in front of you, and I don't wanna just speak at you for for forty five minutes, I can send it to you. I can give you a brief overview of the sections, what's in it, and the sort of compliance side of things. And then you can go away and have a read of it when you get a chance and then come back with any questions you might have or any sort of queries in you might have or any sort of queries in regards to the document, if that's alright. Perfect. I'll just send that now so that to be with you there shortly. So within that one as well so the way the new Odoo works, I'm not too sure if you've completed one of those. I think you might have with your annual review with your tax file number and everything. It'll send you an email. It'll have some supporting documents, and then it'll also have a signable documents link. Now within the signable documents link will be the the statement of advice, your ongoing service agreement if you're happy with the the advice, and then also happy to stay on for the next twelve months, and then also the insurance quote in regards to if you were happy with the recommendation. As part of the supporting documents there, you'll obviously have the new Oakview Financial Services Guide and the Financial Services Guide there as well. In addition to that, you'll also have the PDF documents for the recommended products for your your superannuation that you'll be retaining from the recommendation and then also the suggested insurances there as well. In addition to that, you also have the the appendix and a copy of the statement of advice as an attachment in that as well. So and in that appendix too, you'll be able to see much like the report we did between, like, your a new and existing Neos policy. We did one of those for you as well between the recommended existing policy as well to show you what the features and gain and loss will be for that one, much like we went over before. So in regards to the document, obviously, there's a best interest duty there. If it wasn't gonna put you in a better position, we wouldn't make the recommendation. That's what we're bound by as financial advisers. Now in regards to the scoping of the advice piece there, it is quite simple. We're just looking at the superannuation and personal insurance side of things and the salary sacrifice. As far as what's not considered, we had a conversation about retirement income needs, your state planning, budgeting. In regards to everything as well, you were happy with sort of just seeing how far away you might be in a bit closer to retirement as it's, like, fourteen years away from when you sort of wanna hang up the boots. It's a bit far to project into sort of draw downs and things like that. As far as your estate planning matters, you are happy with what you've got in place there. Your your will's up to date. Your beneficiaries are good. And then with your budget and savings there as well, I know you're paying down that little bit a supplementary home loan you took out for renovations, but otherwise, you're largely debt free and saving quite well. In regards to investments, I know you might sort of particularly look at sort of investment at Super given how things are going in the near sort of few years, but you didn't wanna at this point in sort of circumstances see if things change. And then I know you discussed the whole property and sort of where I'm in the iron with that as well, and that's still a possibility potential for the future. But at the moment, you have put a hold on that as well. Yep. So that that will be the the supporting as well as the, yeah, the so if you click on the statement of advice, you'll be able to follow along with me and have a look at the sections I'm talking about there for you as well, Zoran. Might just take in a second to to load up there. As I said, in regards to scoping, it gives you, like, sort of what your goal and what you want to achieve and then the reasoning behind including it in the advice piece or not. So you'll be able to see that on the first few pages just while that's loading up. Feel free to have a read through those as well. I won't dwell on them too much. But while that's loading as well, I'll give you the gist of what statement advice is there, Zoran. So with the recommendation in the simplified version is we're gonna look at retaining your net wealth account just due to capital gains that may apply for moving your funds from your one platform to another. You'd have to pay down the entire capital gains that's liable. Whereas if we just do an adjustment, you don't have to pay that full amount in addition to that so with with the platform net wealth, so you can move superannuations, like, to a different platform. And then with that one, there's still capital gains on that even though you've had a few investments that took a bit of a backwards step and, like you said, quote, unquote, went down the shooter. There's still ones that have made money over the time you've been on board there as well. So there is a tax liability on your account if you were to sell down everything to cash. So that's why we're looking at retaining the net wealth. Not only is it still a competitive product and you're able to utilize it for the purposes of having a retail fund and sort of modifying the investments and doing things, like, in the future with your superannuation retirement strategies. You don't have to pay that capital gains. And then with that, we'll be looking at changing those underlying investments, like you said, to eliminate the ones that aren't performing well for you. Now with that as well, we did have a look at the salary sacrifice, what you were contributing versus what would get you to the cap and showed you that in the what you were contributing versus what would get you to the cap and showed you that in the table to what that looks like. Obviously, you've been doing it a little bit longer, so feel free to take those figures with a grain of salt because they may differ from what you've already been contributing given the amount that you've already increased. So always double check your myGov to make sure that you're not exceeding that 30,000. And then we're recommending you apply for life total permanent disability and income protection with the insurer called ClearView paid for that Netwealth account much like your. Can you Yep. So the the considered part was always his super insurance and salary sacrifice, which we are addressing in this piece. And then that section below that, there is a limited advice warning as well to tell you that, basically, the areas that we're addressing is just that super insurance and the also the salary sacrifice. The rest of the areas, we're just accountability partners for, basically. We're aware of your goals, but we haven't put any strategies in place in regards to that, if that makes sense. Perfect. On page eight there, you'll be able to see just the about you section. That'll just have your details there as well. So feel free to double check those, make sure that's all accurate and up to date. Same with the next page over. You'll be able to see your assets and liabilities as well. Perfect. Yeah. Next page, there will be those assets and liabilities, and I understand some of those may have changed just a little bit given the timeline, but they should be largely accurate. It won't affect the advice piece much at all. So from that as well, the page over to page 10 there, you'll be able to see your current position, your net wealth account, and then the insurances you do hold with the life CPD and income protection there and the price you do pay for those. So it was creeping up there. I know you wanted to review that. Now getting on to page 11 there, Zoran, you'll notice that there is a risk profile. You score that high growth. You'll still be invested in that high growth, that ninety ten split. Moving forward, given the time horizon that you do have till retirement and the active sort of portion that you want to have towards growth there. Are you still comfortable with that, Darren, being a high growth investor? Yeah. No. I completely understand where you're coming from in regards to that. So, obviously, I can't, like, sort of justify what happened previously to me because I wasn't the adviser that reckon yeah. No. Yeah. I understand, sir. Like yeah. Yes. So yeah. I understand what you're you're saying there, Zoran. So as like I was saying, sorry. In regards to the conversation that occurred previously, I can't sort of, like, because that between you and the adviser that had those conversations. If I was just saying anything, it would obviously just be you know, I can generalize in terms of that. So with in regards to if you wanted, like, active management to try and outperform that market, you can have a lot more management risk when going down that route. Like you said, you're a bit more one eggs all eggs in one basket sort of thing in terms of that active managed risk. Now in terms of high growth itself, it doesn't mean that you have to carry that manager risk, which is what we're moving away from or I was moving away there from you given what occurred and what was happening there. So with that one there, I am looking at removing the active portion entirely. So even then, you do have a 30% weighting there as well, but that's for the S and P 500, which is the index, the top. There is yep. So with that as well, so you'll have the 35% in that key index fund, and then you'll have 25% another index fund in Australia. So you'll still have a large percentage weighing in the core of your portfolio, but that's not an active management moving forward. Now I understand that what happened previously, you're not too happy with that with that moving forward. We're not gonna have any active managed funds. We're moving index as we approach moving forward, so you won't have that management risk. You'll have a lower investment cost moving forward. And then the key holding weightings are in the indexes. So it would have to be that the S and P 500, that market index was performing badly for your portfolio to be performing badly. That's not to say that they've made any sort of bets against the market in that. That just means the market as a whole isn't performing too great for those to not be performing, if that makes sense. Yep. Yep. Yes. So so Yeah. So as a and a minimum, generally, there's on it's like, during those annual reviews, they go over the performance in your portfolio. I do apologize if that's not what you've received previously or the people that you have spoken to previously haven't given you the insights on what was actually happening with those investments. Obviously, you know, I've come to the domain. I've I've pointed out, you know, things previously that you may have not been told. So I do apologize for for being fair of bad news. But, obviously, moving forward, I'm trying to put you in a position to, obviously, to to grow there and give you, like, the full spread of what's actually happening within your superannuation, which every 12 months, they're meant to be going over the portfolio itself, giving you a bit of a rundown of what's happening. Obviously, as I said, it's been a long that has been slightly under performing, but not to a point where, you know, you might give up on it. Obviously, they're long term convictions generally. It's only until that corporate traveler that they've decided that they don't have conviction in that moving forward for this, obviously, investing in those high growth portfolios, that eight to ten year time frames. Like you said, with things like COVID and that, there were those sort of mixed years. And then with the portfolio construction previously, as I said, it comes down to the discussion you did have with your adviser when going into those funds. So I can't I'm not gonna just make something up to try and justify it. But just generally in terms of, like, going that if you want those high risk, high returns, you know, trying to bet a bit more to try and outperform that market, that is the risk you take. Whereas moving forward from what you've, like, told me and what you wanna achieve and the level of risk that you do wanna hold, we're looking at removing that active portion and then just having a higher allocation still to those growth assets, but not trying to out so the yes. Sorry. The the active portion, like, the active managed funds like that, Benelon, you have a fund manager trying to outperform the market. Whereas index is just like if you have the S and P 500, it's the top 500 companies in America. Now if a company gets bigger, it can go up into the 500 and make its way in, which means it's part of the investments that you hold. If it does poorly, it falls out of that top 500, which means you don't have that investment as well. Now it's it's still, like, kinda fluid in that sense that it is adjusting to the companies that make it in and out of that 500, where a fund manager will depending on how they view sort of success and growth, whether it be valued or profit driven, they will be just select picking certain funds and certain companies, not just dependent on size or market value to see if they can outperform that, get those higher returns. Basically, you're essentially trying to pick the winners and losers out of a bunch, and that's what your fund that you were in was trying to obviously pick the winners and losers and try and make a higher return. Now since COVID, they haven't been doing fantastic, and they had that corporate traveler which caused them to really go downhill. But that is that management risk that I was talking about, and that's active management within that with that managed fund trying to outperform that market. A it's a bit less of a a gamble as they like they say, because you're not sort of trying to outperform it. You're just trying to follow what the markets are doing. And with index investing, it comes at a lower cost and that the markets are doing good, your investments are doing good. If the markets are stalling just a little bit, it may not see as much growth because you're not trying to outperform it. You're not picking the few winners in those downturn sort of times as the market as a whole. But it does see a little bit less volatility like what occurred previously with your fund there, if that makes sense. Yep. Yep. So that would be accepting loss. So with that update there as well, we would be looking at removing a few investments there and adding a few investments and removing that Benelung there. So the other option, like I stated previously, is to leave it and see how they rebound, but the company as a whole is saying to move away from Bennelong just given the circumstances and given the economic outlooks of the the fund. Now that's yep. The the investment committee has made a decision that they will be moving away from that fund as it sees fit, like, in terms of clients coming up for their annual reviews. Now, obviously, at the end of the day, it is your decision whether or not you wanna move out and crystallize that loss because for you, it's more than most with that higher allocation that you've stated previously, and then waiting to see how they do recover or taking that loss and crystallizing it and just moving forward, from that. I'll I'll generate a port from inception and see what it's down since inception. No. It's not a problem at all. Yeah. No. I can no. It's not a problem at all, Zoran. Like, that's that's our job at the end of the day. I I feel bad. It's sort of that I'm the one throwing all the information at you when it's sort of been, like, a bit of a slower drip feed for you, and then you've probably been across it a little bit more. So I do apologize for that. Now in terms of since inception, bear with me here. So the reason you had such a high allocation too is I can see here that there was previously two separated funds. So you had the Benelon Australian equities fund and a concentrated equities fund. And then with that, it seems at some point, either one fund's closed or it's consolidated, and it's just become the one investment there. Now with that as a whole, in terms of the negative returns since inception, so Benelon Australian Equities was sitting at a negative 6.77 since inception. So it's looking at around a seven looking at. Yeah. Seems in that since inception, the report there, so that may differ slightly. So in terms of, like, the dollar figure, it went up and down in the thing. It's close to, like, a $25,000, like, movement, which is what you're you're seeing there. Now with that, obviously, some of that comes like you had some, like, growth in there, and then it's gone backwards as well. So that looks like you've lost a lot more in terms of, like, the up and the down. And like you said, with the the amount of money you put in, that's also going towards, like, those things like fees and as well in terms of that. So, yeah, it did make quite a poor return in terms of that going down. Now that's not the loss over the past twelve months that you have to understand as well since inception. So in terms of loss in the last twelve months, it's probably closer to 25,000 in terms of, like, the the down, which is why it's gone backwards so far. But in terms of, like, the growth out of Benelon that it's had since you've held it and then the backwards step, that's closer to, like, net $77,000, if that makes sense. Like, you're looking across the time since you've been onboard versus the last twelve months. And Dollar Figure in the last twelve months, probably looking at close to, like, a 25 backwards return in in terms of, like, that's why it looks so, like, bad. All because of Dan along all the the other investments. Like, Hack has gone backwards a little bit and turns to, like, it's still up from where it was. Like, it's a bit of a market correction, which has caused it to go backwards a little bit, but that's not to be concerned. Like, they're looking at keeping hack. They have high conviction in hack, and it will be in your portfolio moving forward, so you wouldn't be crystallizing that loss. Okay. It's purely the Benelong that you're looking at crystallizing that loss in? As, like, from, like, the the return you did lose, but in terms of, like, the money you've put into it and then the return it's gotten, it's, like, closer to, like, a $7,500 loss from the investment, but that's over the course of you being on board. But, yeah, in terms of, like, the backwards step that occurred recently, it's like a $2,025,000 dollar, like, change. Yeah. And that's part of what I'd originally suggest is, like, you can wait that three to six months and see how it tracks and how it returns. We can keep a bit more of an eye and do sort of three month follow ups to see if you recoup some of that losses before making the change. But at the end of the day, I know sort of when we had the conversations, you just wanted, you know, you I'm sorry. So you're a little bit more worked out than you are now, and you wanted to just look at getting rid of it and doing something about it now, which is why I put something together that does exclude that. But if you decide that you wanna postpone this and hold off a few months there as well, and even if you did sign it and say hold implementation for three to six months until I say yes, that's an option there for you is to there's our yeah. We never wanna say, like, sell low, buy high. But in your case, it's a little bit more extreme than others because, one, it's the funds that was affected not in the sense of the market itself, but an underlying investment. And then, two, it's quite a significant portion for you. So there's a few people I've had a similar discussion with, and they've chosen to wait that three to six months. As I said, as a company, we are like, they've decided to move away from it just from their economic outlook of the fund. But even if you were to wait that three to six months, you could be foregoing potential gains in another investment, or you could be sort of, you know, hurting yourself and it not moving much of the way anyway. Or it could rebound and you could get some of those losses. So it's sort of like even if it rebounded, like, sort of three to 4%, if you got that in another investment, you're sort of not really losing much because you're growing somewhere else. Whereas if it sorta stays stagnant too, given the the economic outlook of the fund, you could potentially lose out on potential growth even if it doesn't, perform too fantastic. So that's that's sort of your choice in regards to that one. Obviously, I made the recommendation of what you told me previously just to move away from it. But like you said, it is quite a large portion for you in terms of that. But in saying that if you put that what is remaining left in that fund somewhere else, you could be getting better returns because it is quite a the switch there and then, like, the loss you did make on Bennelong, it works out that I believe the the capital gains with the switch in investments that we did do, it doesn't work out to be a whole heap because it carries some of that forward. I'll just see bear with me two seconds where it is. Sorry. I'm jumping around this advice piece a little bit. Yeah. So the the cost of changing up the investments works out to be around $540 with the loss you'd be taking forward. And then so which isn't huge. It would have been, like, in the thousands if Benelon was up, if that makes sense, to make that adjustment. Yeah. Yeah. So it's the loss you sort of take now versus potential gains for the future. But like any sort of recommendation, the returns are the one things that aren't guaranteed. Like I said, with the, you know, the crystal ball, like you said, no one knows what is going to happen. But as a company, I can only know the investment direction is to move away from Better Long. But if you decide you do wanna hold that for that three to six months, there's no no harm in that as well if you do feel like it is gonna make a return. It did come back a few percent, and then it dipped it, like, again in terms of that one. And I'll just double check where it's at now, so bear with me. So and it took another dip today, actually. So with the the three month outlook, so when it went down in November there, it kinda hit a trough around that December, Jan. It came back a little bit in terms of, like, returning, and it was sitting around, like, a a negative five, and then it's dipped back down towards, like, a a negative 11 since that November crash in terms of, like, percentage returns. And the year to date, it did come back, as I said, a few percent, but then now it's it's taken another dip for the fund. Like, you would be putting like, it would be allocating it per the original recommendation, which would given that it is down putting money into Benelon, which would in turn yeah. They keep a dollar figure would be going back yeah. If it was to keep continuing to go backwards. Yep. So as I said, Zoran, feel free to have a a good read through it. It's valid for for thirty days, and then it's valid for another, like, thirty after that as long as none of your details have changed. So feel free to even take that thirty days, read through it, see how it is tracking. You do have a link to all the investments in the recommended portfolio in the appendix as well. You can even have a little look at those, see how you feel about them. I know sort of, you know, it feels like you've been burned a a little bit with what happened with the Benelon side of things. So, you know, get yourself across it a little bit. Have a look at the past performance of the ones we are recommending. You know, even do your own little bit of research to make sure you are comfortable. I don't wanna push you towards anything you don't feel like you understand or aren't comfortable with at the end of the day. Yep. So you still you hold the S and P 500 come currently, and it's doing quite well. It does increase that slightly. It also puts you in BetaShares Australia two hundred, which is, like, the Benelong switch equivalent, if that makes sense. So that's an index fund for Australia because Benelong was an Australian equities. So you would be switching the Bennelong for majority going towards that beta shares Australia two hundred, which again is an index fund for the Australian market. You'll have a little bit of exposure in the world excluding The US. In a different fund, you'll have a defensive portion from bank hybrids, and then you'll be removing a couple of other investments and readjusting them slightly, which are all listed on page 16 there. You can have a little look and see what will be carrying forward, what will be selling down, where that allocation will be going as well. It'll also increase your allocation a little bit in gold, so so you'll have a little bit more in your alternatives as well. Yep. So it would still have the same allocation to growth assets. It just wouldn't have that active management in it. So you'd still have around that ninety ten split. I can even sorta tell you where you are currently as well. Sorry. I'll just scroll down to it. So so the when I say ninety ten split, that's 90% in growth assets being high growth, like things like your shares, property, international versus, like, Australian. And then you'll have, like, your defensive portion, which includes some of your alternatives as well. And that's got, you know, things like those bonds I was talking about, and that's, like, things like cash fixed interest that in market turns as well. They just tick along slowly. They don't look to get massive returns, but then they don't lose much value in those economic downturns as well. The alternative asset is that gold. It works as a bit of growth versus defensive in terms of how the markets are going. You get capital growth out of it, and it is defensive. It holds its value and ticks up slowly as well. So that's why it's an alternative. It gets a bit of both worlds. Yep. It would go down to a growth, and it would be about an eighty eighty twenty split. Well, given that even if you retired at 60, you still have nine years in terms of, like, working life. So you have enough time to be, like, in a high growth even for at least the next sort of, you know, six to seven before you're thinking about winding it back leading closer to that retirement years. It just depends on how much growth you're sort of aiming to get out of your superannuation in that time frame because with that, you know, the expected returns are lower for growth than a than a high growth. But like I said too, depending on how the markets are going, nothing is sort of guaranteed. And sometimes, you know, growth can outperform high growth. High growth generally does over the long term, though, outperform the growth portfolio because it does has the higher allocation to growth assets. So, you know, in the short term, some years you might have the the growth performing better for a little bit less risk. But, historically, over that longer period of time, it does work out that, you know, having that higher allocation to those growth assets, if you do have high conviction and hold those assets, that you do end up with those higher returns. So expected return sort of, you know, sitting around the eight to 10% annually for, like, a high growth as, like, an expected annual return, hopefully, and then growth sort of sits more to us at seven to 9% expected return. Yeah. Well, given that you said you sorta don't wanna retire to the age of 65, maybe in a little bit longer, so that's that would be nine years in a growth portfolio, and then you could wind it back to, you know, say, like, a a growth or a balanced growth for those five years into your sort of sixties and then preserve that balance a little bit more. But if you're not looking to take on as much risk given what's happened and you're happy to have a little bit less risk, we can look at a growth portfolio as well and wind it back a little bit now for you. But just given that you're you don't have much debt, you're working well, you're contributing well, and you're also contributing more to super, realistically, on the sides of, like, working life, you're working quite well and hard and contributing quite well. So those are years that you still wanna aim for a bit more growth while you've got that that time on your side. It's it's very hard to justify it when you do hit 60 and you go, actually, I want a bit more growth and increasing it then because that's when you're playing with fire a little bit. If you do have, like, a backward step what occurred now closer to that 60 mark in those sort of environments, then, yeah, it it's not very good. But in saying that's why we are looking at removing that active portion, which removes a level of risk, and you still have the same allocation to those growth growth assets. Yeah. But as as I said, have a a think about it. Nothing set in stone. Yeah. Have a have a good read through it and see how you feel about it. So in terms of, like, a high growth, there is a bit of information about a high growth investor as well and sort of the the equities that it it focuses on there. In short, the recommended I know we sort of jumped all over the shop a little bit there, but it's to retain that net wealth. Yeah. Yeah. No. That that's fine. And change those underlying investments. So with that one, you would be retaining net wealth. You'd be switching those investments if you were happy with it. Now with that, it is looking at sort of building a a stronger sort of longevity with your super and having that less market exposure, especially during these times with what's happening in the market. And then with that one as well, it is reducing the investment cost. So that is a guaranteed savings that you will be having moving forward as well with the word and take the investment because having active investment actually costs more, and sometimes it does actually underperform, which is a bit of a double edged sword in terms of, like, the risk you do take versus the return and then the cost that takes for that risk. But by, yeah, underlying change those underlying investments, maintaining that fund, you don't take on all the capital gains for that. And then you can look, given the loss that has occurred, switching up those investments and not paying as much capital gains to do so, which is why we decided to do, like, a full sort of portfolio, a little update there as well. Now you will be paying less fees. It does have historically a better track record just given the last five year rolling averages, but that isn't too hard with what happened with Benelon, unfortunately. And then it is in line with your risk profile still, and then it will remove that management risk from your investment there as well. As always, though, you there is a certain degree of risk that the recommended investments will not perform as recommended or sort of as the projection state because it is based on those those rolling averages there as well. But in saying that we have a bit more conviction in those index investments moving forward and their returns versus, like, the that you currently hold versus holding that, if that makes sense. Yeah. Yep. So that's everything total. So on the the left hand column, it labels everything, and you'll see the current weighting. Now the ones up the top are the weightings of your current portfolio. You'll be able to see exactly what they're invested in. And then the few below that you're currently investing, they'll have a 0% waiting. Now with the changes, you'll see the buyers and sales. So we're looking at getting rid of Bennelong fully. We're looking at getting iShares Misky fully and selling those down and then adjusting the Japan back to the original waiting of around the 5%. So that's selling back down a bit. And then you'll be investing a little bit more into your S and P 500 moving, and then those top the bottom three investments are what the funds will be split between between selling down the Benelong and the iShares Misky. You'll be selling into the bank hybrids, which is that defensive portion, the BetaShares two hundred, and the All World excluding The US to make sure that you're not sort of geographically pinned to America or Australia there as well. It gives you a bit of more exposure outside of just, like, Japan as a third option in Europe. Yep. Not a problem at all. And my screen's just frozen a second there, so bear with me. I'll have to pull up a different copy of your statement advice to keep going through that with you. Apologies for that. That's just gonna take a second to load back up. Going back down to page 16 then. Sorry. Perfect. Yep. So on that one, you'll obviously see those buy sell trades. Now from the allocation so if you go to page 70 there, you'll be able to see what currently investing in terms of what your growth does defensive assets and alternatives. 17, the one just below that. Perfect. Now the aim is to do that ninety ten split. So currently, you're around 90¢ growth at around 5% defensive with the alternative assets there as well. Now moving forward, it'll be 87.8% in the growth and then around 5.2 in defensive, plus seven in the alternative. So as I said, like, it's very close to in terms of, like, the amount of growth assets you do hold that you remove that managed portion there, which reduces that risk state that you will hold. But you still have that higher allocation to those growth assets to try and get those high returns over that long term period, if that makes sense. Perfect. Below that, you'll be able to see what that looks like in terms of, like, the fees you'll be paying first the expected returns. As I said, it's to be taken with a grain of salt in terms of, like, the expected outcomes of this, but it just shows you based on the five year rolling averages what might occur. Now with the one that I'm sort of more focused on is the investment cost. So removing those investments and going more index approach there, you'll be removing a a lot of the investment fees that come with that. So it nearly removes $1,400 in terms of, like, investment costs you'll be paying each year, like, in terms of the investments you do hold, plus another 160 or close to a 170 in terms of, like, other fees associated with those investments. So it does work out that you'll be saving in terms with all of that around the sort of $1,187 per annum. And the reason it's not higher is because you're contributing more, which means that your balance is gonna continue to grow, which means the adviser fee being percentage based means that that will go up slightly. But that's based on the projected return. So it's not the fee you'll actually be charged. It's based on, like, a year's worth of growth and things like that as well. So, again, if the markets don't perform as well, you get charged off the balance you do occur, which as bad as it does sound even though that they did have a bit of a backwards turn in your fund, it means that we get paid less for what occurred as well because it is that percentage based with the outcomes there. But the guaranteed savings there will help grow your superannuation balance because that will go towards the growth and not the investment, especially since they weren't performing too fantastic. Yep. Yeah. So that was based on the on, like, your employer contributions that you were receiving. Yeah. So with that, it's it's net contributions as well. So you still get taxed in super and just not as much, yeah, the 15% plus, like, obviously, yeah, going into that. So with that, it just works out to be, like, a little bit less even though you're aiming for that 34,000. You obviously get taxed as well going into that plus, like, whatever the growth going in as well. Yeah. You should be able to see your contribution cap spacing for not only, like, this year, but previous five years as well. So if you were to exceed it, you might have some carry forward if you wanted to do something like that. Obviously, we can have a chat about that a bit later if it comes closer to tax, and you feel like you're gonna exceed it or wanna exceed it. If you do have that carry forward space, you can contribute more without getting penalized and taxed more. Yeah. So we can we can see, like, on your your account the, like, the total deposits that you've made and through the transactions. But, obviously, I can't tell when your employer is gonna make their their I can obviously see when it roughly might look like based on, like, what's occurred previously, but you'd have a bit more of an idea of when your employer is gonna put in your contributions and things like that as well and how much you expected based on your payslip. I believe it's only, like, every quarter they have to do it. So some people used to do it weekly. Some piece people used to do it monthly. I believe as a minimum, they have to do it quarterly in terms of, like, contributions at the moment, but it has, like, sort of changed every now and then, and that's purely because you can't just withhold a year's worth of contributions for a year and then dump it in all at once because that's a year's worth of growth your employee is missing out on that the employer gets by holding those funds. Now it does cost the employer every time they put money into super through, like, SuperStream. It does cost accounting wise to put money into to super that the business does have to pay, which is why a lot of employers don't do weekly contributions and things like that as well. They'll tend tend to do monthly or or quarterly. Yeah. I believe so. At the moment, it is, like, Perfect. But do you have any questions in regards to that table at all? And just double check. Yeah. It is it is quarterly. So the the three year rolling average yeah. So these are based on they're not exactly what would have occurred because it does, like, exclude certain events, so it doesn't carry across to, like, what occurred in your fund. But before phase, like, the that investment was like, that's the the five year rolling average. Now it doesn't sorta always work out what occurred in the fund. And, obviously, in your case, it didn't in terms of, like, what you did receive versus the cost you were paying, like, investment wise. But before you take into consideration costs and things like that, that's, like, the the return rate with the three year rolling average. That that's, like, that's what I said. Like, investments are meant to be taken with a grain of salt because they're based on what did occur. Like because if you go over the page as well, you can see, like, the the twelve months, three years, and five years. Now if you look at the twelve months report, you say you're doing that 1.2 before you take into account investment costs and things like that. And then that five years close to that 8.8 before you take into account fees, which is where you're sort sitting now given what occurred during COVID and things like that. And then if you look at the twelve month and the three years from those index investments, just because the markets have been doing well in terms of, like even though they've been quite volatile with, you know, Trump playing around in the market, they've been ticking up quite steadily, which is why those index investments have been doing well. It's not always the case, which is why I say, like, take it with a a grain of salt. If the markets are doing well, then your index investments are doing well. But if the markets aren't doing too fantastic and has stagnated a little bit there as well, then your your investments do slow with that as well. Yep. Yep. The next section is just based on that salary sacrifice. So based on what we've got in your superannuation, you have around that $13,000 in concessional contribution cap remaining for the end of the year. Now if you go to page 21, you'll be able to see a breakdown in that table versus your employer pay contributions plus the the bonus, which we accounted for that four weeks pay there as well for your your salary just in case versus the the taxable income that you will be receiving. So you have your super employee contribution. So based on that, it's looking around the 15,637 salary sacrifice for the $100 a week is 5,200. With increasing that to reach the cap, you're looking at around the 15,000 in super and then 15,000 salary sack there as well minus the the tax going into your superannuation. As I said, those figures to be taken with a grain of salt based on the fact that you have already increased your contributions. So I would just, like, be mindful of that, like, in the next sort of few months, obviously, leading up to the end of the financial year, just making sure that you've accounted for all your pay cycles for your quarter to go in before making, like, your last contributions and things like that. Yeah. They should you should be able to see on your play slip what your super entitlement is, and then you could just ask accounting when that when that's a bit when they pay that so you know when that's gonna go in and what amount that is, and then just sorta add that to what you've got in your remaining cap space and make sure that based on your salary sacrifice that you're contributing as well that you're not gonna exceed that. Not a problem at all. And there is a a slight typo there as well. It's meant to be $14.04 8 for the salary sacrifice. Just a slip of the thumb, it looks like there. Because, obviously, your cap space is 30. So 15 plus 15 with some change there that you're sitting at 31. But as I said, the the figures are just to highlight what that sort of looks like in terms of what you're paying versus what you would be paying and that the outcomes tax wise in terms of, like, your take your take home pay and everything like that. So that's for that twelve month period, what that sorta looks like if you do contribute the full 30,000, if that makes sense. Obviously, the advantage of that, you're obviously taking advantage of that 15% tax rate. It's investing given that you don't have much debt as well for, you know, your retirement, the end of your working life as well versus, like, having a retirement or investment outside of super that does form part of your taxable income. So you do form that tax benefit. The disadvantage is you've obviously locked that away into your immediate condition of the lease mainly. Given that we could, you know, not do so, sacrifice, look at investment outside of super as well. Given that you're in a position there where you've got a nice amount of savings, don't have much debt, and the debt you do have, you could pay off if you wanted to. It just works out that you could still even have an outside super investment in the next few years, and you can afford what you're currently doing there as well. And you've got that cash buffer to not really have to worry too much as well if something did occur. If you can afford it, obviously, the benefit is come your retirement age, you get those like, obviously, if you get some growth out of it, you get that all tax free in terms of distributions. The growth inside it still gets taxed at whatever, like, growth it earns and incomes it earns. But if you had an investment outside of super come, you know, retirement, if you put 50,000 or 30,000 a year, you know, investment outside of super, when you wanna draw that down in retirement, you still gotta pay the capital gains on that. And then drawing down on that income, you've always gotta pay tax and everything like that. Whereas through super, as long as you can afford to lock it away for that time line, you do have that added benefit of receiving more of the funds tax free as opposed to to not and having that liquidity and access to it. But you do have a large portion sitting in cash as well if you did need the funds for anything. Perfect. In terms of the insurance side of things, there's Zoran. So we're just looking at replacing your current policy with a a more comfortable cheaper option. So when going to market, there is well, we did find that if you applied for $300,000 of life and TB, that's 7,000 a monthly benefit of income protection, and a thirty day wait still on a five year benefit, And a thirty day wait still in a five year benefit period, it nearly cuts the premiums down there in half. So you're looking at more 2,500 per annum as a yearly premium opposed to the the 4,900 or close to 5,000 that you're currently paying there. Now it is a little less in terms of, like, the monthly benefit for your income protection, but given that you don't have much debt there as well, that would cover, like, your base expenses and things like that. Obviously, you still get taxed on that 7,000, but it makes it a lot more affordable. It brings it back down to that $300,000 flat as well, but you still have that thirty day wait and five year benefit period, which is still nice and comprehensive there for you. You would just have slightly less coverage in terms of the benefit amount for income protection. But in worst case scenario, I'm assuming like, given your payments aren't probably huge on the loan that you pay for that redraw, And then your living expenses, if you are injured, you're not gonna be out partying on the weekends either. So in terms of that, you probably don't need to cover for much more than that anyway unless you were planning on, you know, taking a holiday to Mexico while you're on income protection claim, which I would highly recommend again because you'd probably end up off claim pretty quickly. Now with that one, we will be looking to cancel the Neos policy that you do currently hold. There is that features gained and lost there. It's mainly in regards to the TPD portion. So the ClearView, the main thing is you don't have the partial benefits. Like, that's claims for, you know, things like they cover for specific loss of limbs, things like that, where they'll pay out partial TPD, which you don't want have with the Clearview. But that's part of also paying less in terms of the yearly premium there as well. You do lose a little bit of those benefits, but the income protection's quite comparable in terms of what you're paying and what you're receiving. But as I said, I have a quick look through that appendix there as well. You can see it much like we went through previously in what you're gaining versus what you're losing. Well, technically, it's $29.29 50, basically. But with being inside super, you get the 15% rebate, which brings it down to the $2,500. Yep. Yeah. So the the one listed below is the higher one because paying outside of Super, you get that 15% rebate, which is nice. And then, yeah, you'd be canceling that Neos product there as well. The only difference that came out with that, Zoran so within regards to your current Neos policy, I know you did disclose you had a leg injury, but on the application, you didn't mention that you had the tendon the tendon surgery. Now when we disclosed that with the update, it's looking like due to the surgery with the tendon, it would have been an exclusion on the Neos policy, which technically is a nondisclosure anyway, so it should technically apply to the Neos policy. Now I'm not saying you did that maliciously by any means. You did mention that you had the leg injury. You just, like, didn't mention the fact that you had the tendon surgery related to that as well. So with that, you would have the men oh, sorry? No. We on the original policy, the Neos one back in '20 '19, was it? You mentioned you had a leg injury, but it wasn't until you mentioned at the latest round of pre assessments we did with the insurers to look at insurances again that you had the the app. So with that, just given that like, obviously, it doesn't affect you in everyday life. It just means that moving forward, it'll be an exclusion. But, technically, it should have been exclusion on that current Neos policy. Just well, either, yeah, either way, even if you didn't go ahead with these insurance, it technically still should apply to the Neos policy because they came back saying that it would be it would have been an exclusion, basically. When we didn't tell them, obviously, it was you when we did those pre assessments. It's a blind pre assessment. But when Neos looked at your profile, the fact that you had the leg injury with the surgery, they said that would result in a leg exclusion, which means that it should apply to your current policy now. It just doesn't. Because I had a look at the previous like, the application you did way back then. You mentioned the leg injury, just not the surgery, which which isn't an issue because we're looking at rewriting anyway. It just will mean that you will have that mental health exclusion and the leg exclusion. But even if we kept that Neos policy, we would have to probably go to them and say, hey. Discovered this. And they have the chance to basically say, oh, no. We don't want this policy anymore, or they'll just change it to have the exclusion. Or you just don't tell them and you run the risk that if you hurt yourself with that tendon injury and try and claim on your policies, there's a chance that they might find it. That's yeah. That's that's what I'm saying, sir. Yeah. It's it's not exactly. So if if you broke that leg in a car accident and you couldn't walk on that leg anymore, it's not excluded due to that reason. It's due to if anything comes comes from that tendon injury from previous surgeries or you have to go get another surgery. Like, say, if you had to take time off work because you had to go get the tendon refixed because something went wrong, you wouldn't be able to claim on IP or things like that. But any other injury nonrelated to that or deemed to be related to that injury, it's fine. It's still covered. Yeah. And as I said, it can they're quite worthy, those pre assessments too or, like, the application summary. So by any means, like, we've had plenty of people answer the questions truthfully, and it still comes back that it's potential nondisclosure because they put the thing down the bottom always any additional information. If you answered all the correction like, questions correctly, they could still sorta come back and be like, we asked any additional information you wanna give us, and you didn't give us x y zed, which they found out about later. So, you know, the insurers are always trying to get out of it by any means necessary. So, yeah, by any means, I'm not saying that you've maliciously did that at All Zone, so you're quite truthful on your, yeah, your pre assessments and everything. So yeah. But, yeah, the the fact of the matter is it will be an exclusion, and it would have been an exclusion on that nail policy anyway if as long as you're comfortable with that. Perfect. In terms of the cover amounts, obviously, I said it's a little less IP, but that helps with cost. That life and TPD portion, it's mainly just in the event that anything did occur to you. You do have those funds. Obviously, you do have quite a large balance in terms of super pardon me. And then funds outside of super as well in terms of, like, your assets. So we don't wanna be ensuring you could too much where you don't need that level of cover given that you're largely debt free. Perfect. In terms of, like, insurance through superannuation, obviously, there is a cost to that and the effect on superannuation balance. So the five and ten year impact, obviously, you know, again, taken with a grain of salt. But, you know, if everything was to recur year on year, it would show you just what that would look like versus having current, no insurance, or the recommended insurance in terms of, like, the cost. Yep. So that's like minusing a premium from your growth sort of thing to show you what that looks like versus yeah. With taking into account the insurance cost and, like, the performance as well. And then it shows you the performance with the new insurance cost. As I said, you know, highly inflated figures by any means. I admit that. But it just shows you if everything based on, you know, the percentage returns, the insurance costs, what that might look like versus having, like, no insurance and the cost you're paying for that, if that makes sense. Yeah. Because, like, it's based on that three year average because, like, it only goes up to to three in terms of what we could project for that. And then to say that those same three years are gonna replicate for the next ten years, you'd be saying, like, the markets are gonna do the exact same thing back to back twice, basically, or three times, which are never gonna occur by by any means. Like, you look at any point of stretching history, like, it it rarely will go like that for that period of time, which is why I say, like, highly inflated because, obviously, it's been quite good for that index investment for those years that, you know, if they have a bad year, quite a stagnant year, that obviously affects returns and same with, you know, good years and bad years sort of thing. Those big what? Yep. Sorry. So with that one as well with that, like, expectation setting is one of it. And then to say to someone, you know, that's twenty years away from retirement that this is what you're you're gonna get, it is, like, with the world and why things are yeah. Yeah. So we we obviously try and keep aligned with what you're wanting to achieve and trying to get you there, which is why we do these updates and things like that as well. But as far as, like, what you originally projected, I'd have to go back and have a look and see what that that look like in terms of, like, the figures to see if I I could see that. But we do have, like, your goal of what you're trying to achieve by retirement and the income in retirement, which is what more so I'm basing on. It's getting that sort of $1,700 per week in retirement and trying to get there. And as you get to get closer, that's when we start, you know, doing those drawdown calculators and seeing what that looks like and pushing out and stepping out what those drawdowns look like and how long that might last you and whether or not, you know, we're achieving that goal or not. But to do that now when you're sort of fifteen years away from potentially hanging up the boots, you could work longer, you might not. There's a bit bit too many variables there that that I'm I'm not gonna include that in an advice document to say that, like, a 100 percent we're there. When a year from now, like, if the markets go great, you're above that goal. If it has a bad year, then you're below that goal sort of thing. Like, that's why Yeah. You get within, like, the ten year mark of, like, your retirement. So if you are 55, that's when you can sort of start looking and projecting it a little bit more. It's still quite a ways out, but it's not fifteen years away, if that makes sense. And then given that, like, obviously, you had the COVID run and things like that, which is a lot harder to predict for, so that has put you in a bit of a back foot. But you've still got plenty of working life behind you in terms of that. And, you know, in the next five years, like, we might see how things go. Obviously, you do your annual reviews. If you do another twelve months from now and you're still really not happy with the service, you can go go above me and have a chat with someone else and see what you wanna do with things, whether or not you wanna move back to an industry fund or whether, you know, you wanna speak to a different adviser. I take no no offense. It's your money at the end of the day, Zoran, and it's whatever you wanna do with it. I'm obviously here to make my recommendation. But if you don't feel that that best to you, then I'm I'm probably not doing my my job that great anyway. So you can go to wherever you feel like you're getting the most value for your money or getting the what you expect or what you want out of things. Yep. Well, in terms of that, that is, like, the gist of most obviously, I could go a bit more into the alternatives and the the advantages and disadvantages, but that is, like, the the superannuation, the investment side of things, and the insurance side of things with the touching on the the salary sacrifice part. So the main key points I do need to touch on there are just the the what we do receive. So the upfront, if we were to rewrite that Clearview, we do get 66% of the upfront premium for that. That's not an additional cost you pay. That's just what we get paid from the insurer for setting it up and going through that process of doing the application and setting it up for you. And then the adviser fee is at 1.1. So moving forward there as well, you do have that 1.1% fee, which is nice that that got knocked down not too long ago at the end of last year. So that'll also help in those ongoing costs. That $3.09 $3.02 is that annual premium, and then the 22% premium is what we get from the insurer premium. That's not an additional cost to you. That way, you get remunerated for maintaining that policy. We're just happy to disclose it because it's something that we do receive. We don't get conflict of remuneration for many of our other investments, things like that. So everything that we get for managing your accounts disclosed there on page 32 in terms of the premium from the insurer that we get and then the advice fee we get from your superannuation as well. Yep. And then, obviously, if you were happy with everything, we would, in the back end, change those underlying investments for you. If you do wanna hold off a little bit longer there as well, feel free to let us know. We can hold off and see how Benelawn's tracking and implement a bit later, all sort of things in regards to that. In regards to superannuation and your salary sacrifice, you've already increased that. So just keep an eye on that, check your myGov, make sure you're not gonna exceed that 30,000. Give us a call even. We can tell you how much you've actually contributed to the fund. But as I said, we can't tell when your employer contribution's exactly gonna pay or how much it's gonna be because you've got the payslips there. You'd know more than me. And then if you are happy with everything, we'd get you booked in for that personal statement there with one of my colleagues, and they'd go through that application, apply for those ClearView insurances. Now with that as well, once we're applying for those, we're not canceling your nails straight away. We wouldn't do that until your ClearViews enforce. Worst case scenario is something pops up, you get declined, we just keep the Neos policy, and we let them know about the nondisclosure. If you don't wanna tell them about it, then we just don't run that risk. But in the meantime, you'll still have that Neos policy and be covered until such time we that clear your policy in force. Once that's canceled, the remaining of the twelve month premium that you have paid, you get refunded to your account from that Neos policy as well. No problem. Do you have any other questions? Yeah. Grab a highlighter then. Yeah. Feel free to call up, put another booking in. I'm happy to have a chat. Obviously, it's a lot of information coming at you. But, yeah, you've technically got 60, so within the thirty, as long as you confirm after that that you've nothing's changed in regards to your circumstances or asset liabilities, the SOA is still fine, then if you got another 30 after that. So even if you push that right out to see how Ben Long's tracking and then having another conversation towards the end there, more than more than happy with that. You can just get it booked in as well. No problem, Zoran. Anything else for me while you've got me there just in regards to the yeah. That's not a problem, Zoran. I'm happy to. Again, apologize if you ever feel like you got the most out of service so far, but hopefully that changed moving moving forward if you're happy to stay with us there. Too easy. You enjoy the rest of your afternoon there, Zoran. Thanks for your time. Thanks, man. 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afternoon, Zoran. It's Carl calling from OQ Financial. How are you today? Yeah. Not too bad at all.\n\nThanks. I had you scheduled in to go through that statement advice today. Is now still a good time? Brilliant. Just before we jump into that one, Zoran, if I could just pass you through security with that name, date of birth, and current address, we'll get stuck into that today.\n\nPerfect. Thanks for that one, Zoran. Now just before we jump into the actual statement of advice, can I just confirm in regards to, like, your assets and client details that nothing's changed since we, like, originally started the process and gone through everything and created the document? Everything's largely unchanged. Yeah.\n\nPerfect. We did include that in the the statement of advice in regards to that salary sacrifice because I didn't know you wanna get close to the the cap there, and we just threw the numbers into that to show you what that sort of looks like. Obviously, you started contributing a bit more in the the time that since we spoke as well. So, yeah, just be mindful. Go under myGov if you're ever unsure and just double check the cap space you have there.\n\nPerfect. Now I am going to send you out a document, and then that will be going to your email there, and that will be zedoknic@yahoo.com.au. Is that still correct? So what I can do is because you can't see the document in front of you, and I don't wanna just speak at you for for forty five minutes, I can send it to you. I can give you a brief overview of the sections, what's in it, and the sort of compliance side of things.\n\nAnd then you can go away and have a read of it when you get a chance and then come back with any questions you might have or any sort of queries in you might have or any sort of queries in regards to the document, if that's alright. Perfect. I'll just send that now so that to be with you there shortly. So within that one as well so the way the new Odoo works, I'm not too sure if you've completed one of those. I think you might have with your annual review with your tax file number and everything.\n\nIt'll send you an email. It'll have some supporting documents, and then it'll also have a signable documents link. Now within the signable documents link will be the the statement of advice, your ongoing service agreement if you're happy with the the advice, and then also happy to stay on for the next twelve months, and then also the insurance quote in regards to if you were happy with the recommendation. As part of the supporting documents there, you'll obviously have the new Oakview Financial Services Guide and the Financial Services Guide there as well. In addition to that, you'll also have the PDF documents for the recommended products for your your superannuation that you'll be retaining from the recommendation and then also the suggested insurances there as well.\n\nIn addition to that, you also have the the appendix and a copy of the statement of advice as an attachment in that as well. So and in that appendix too, you'll be able to see much like the report we did between, like, your a new and existing Neos policy. We did one of those for you as well between the recommended existing policy as well to show you what the features and gain and loss will be for that one, much like we went over before. So in regards to the document, obviously, there's a best interest duty there. If it wasn't gonna put you in a better position, we wouldn't make the recommendation.\n\nThat's what we're bound by as financial advisers. Now in regards to the scoping of the advice piece there, it is quite simple. We're just looking at the superannuation and personal insurance side of things and the salary sacrifice. As far as what's not considered, we had a conversation about retirement income needs, your state planning, budgeting. In regards to everything as well, you were happy with sort of just seeing how far away you might be in a bit closer to retirement as it's, like, fourteen years away from when you sort of wanna hang up the boots.\n\nIt's a bit far to project into sort of draw downs and things like that. As far as your estate planning matters, you are happy with what you've got in place there. Your your will's up to date. Your beneficiaries are good. And then with your budget and savings there as well, I know you're paying down that little bit a supplementary home loan you took out for renovations, but otherwise, you're largely debt free and saving quite well.\n\nIn regards to investments, I know you might sort of particularly look at sort of investment at Super given how things are going in the near sort of few years, but you didn't wanna at this point in sort of circumstances see if things change. And then I know you discussed the whole property and sort of where I'm in the iron with that as well, and that's still a possibility potential for the future. But at the moment, you have put a hold on that as well. Yep. So that that will be the the supporting as well as the, yeah, the so if you click on the statement of advice, you'll be able to follow along with me and have a look at the sections I'm talking about there for you as well, Zoran.\n\nMight just take in a second to to load up there. As I said, in regards to scoping, it gives you, like, sort of what your goal and what you want to achieve and then the reasoning behind including it in the advice piece or not. So you'll be able to see that on the first few pages just while that's loading up. Feel free to have a read through those as well. I won't dwell on them too much.\n\nBut while that's loading as well, I'll give you the gist of what statement advice is there, Zoran. So with the recommendation in the simplified version is we're gonna look at retaining your net wealth account just due to capital gains that may apply for moving your funds from your one platform to another. You'd have to pay down the entire capital gains that's liable. Whereas if we just do an adjustment, you don't have to pay that full amount in addition to that so with with the platform net wealth, so you can move superannuations, like, to a different platform. And then with that one, there's still capital gains on that even though you've had a few investments that took a bit of a backwards step and, like you said, quote, unquote, went down the shooter.\n\nThere's still ones that have made money over the time you've been on board there as well. So there is a tax liability on your account if you were to sell down everything to cash. So that's why we're looking at retaining the net wealth. Not only is it still a competitive product and you're able to utilize it for the purposes of having a retail fund and sort of modifying the investments and doing things, like, in the future with your superannuation retirement strategies. You don't have to pay that capital gains.\n\nAnd then with that, we'll be looking at changing those underlying investments, like you said, to eliminate the ones that aren't performing well for you. Now with that as well, we did have a look at the salary sacrifice, what you were contributing versus what would get you to the cap and showed you that in the what you were contributing versus what would get you to the cap and showed you that in the table to what that looks like. Obviously, you've been doing it a little bit longer, so feel free to take those figures with a grain of salt because they may differ from what you've already been contributing given the amount that you've already increased. So always double check your myGov to make sure that you're not exceeding that 30,000. And then we're recommending you apply for life total permanent disability and income protection with the insurer called ClearView paid for that Netwealth account much like your.\n\nCan you Yep. So the the considered part was always his super insurance and salary sacrifice, which we are addressing in this piece. And then that section below that, there is a limited advice warning as well to tell you that, basically, the areas that we're addressing is just that super insurance and the also the salary sacrifice. The rest of the areas, we're just accountability partners for, basically. We're aware of your goals, but we haven't put any strategies in place in regards to that, if that makes sense.\n\nPerfect. On page eight there, you'll be able to see just the about you section. That'll just have your details there as well. So feel free to double check those, make sure that's all accurate and up to date. Same with the next page over.\n\nYou'll be able to see your assets and liabilities as well. Perfect. Yeah. Next page, there will be those assets and liabilities, and I understand some of those may have changed just a little bit given the timeline, but they should be largely accurate. It won't affect the advice piece much at all.\n\nSo from that as well, the page over to page 10 there, you'll be able to see your current position, your net wealth account, and then the insurances you do hold with the life CPD and income protection there and the price you do pay for those. So it was creeping up there. I know you wanted to review that. Now getting on to page 11 there, Zoran, you'll notice that there is a risk profile. You score that high growth.\n\nYou'll still be invested in that high growth, that ninety ten split. Moving forward, given the time horizon that you do have till retirement and the active sort of portion that you want to have towards growth there. Are you still comfortable with that, Darren, being a high growth investor? Yeah. No.\n\nI completely understand where you're coming from in regards to that. So, obviously, I can't, like, sort of justify what happened previously to me because I wasn't the adviser that reckon yeah. No. Yeah. I understand, sir.\n\nLike yeah. Yes. So yeah. I understand what you're you're saying there, Zoran. So as like I was saying, sorry.\n\nIn regards to the conversation that occurred previously, I can't sort of, like, because that between you and the adviser that had those conversations. If I was just saying anything, it would obviously just be you know, I can generalize in terms of that. So with in regards to if you wanted, like, active management to try and outperform that market, you can have a lot more management risk when going down that route. Like you said, you're a bit more one eggs all eggs in one basket sort of thing in terms of that active managed risk. Now in terms of high growth itself, it doesn't mean that you have to carry that manager risk, which is what we're moving away from or I was moving away there from you given what occurred and what was happening there.\n\nSo with that one there, I am looking at removing the active portion entirely. So even then, you do have a 30% weighting there as well, but that's for the S and P 500, which is the index, the top. There is yep. So with that as well, so you'll have the 35% in that key index fund, and then you'll have 25% another index fund in Australia. So you'll still have a large percentage weighing in the core of your portfolio, but that's not an active management moving forward.\n\nNow I understand that what happened previously, you're not too happy with that with that moving forward. We're not gonna have any active managed funds. We're moving index as we approach moving forward, so you won't have that management risk. You'll have a lower investment cost moving forward. And then the key holding weightings are in the indexes.\n\nSo it would have to be that the S and P 500, that market index was performing badly for your portfolio to be performing badly. That's not to say that they've made any sort of bets against the market in that. That just means the market as a whole isn't performing too great for those to not be performing, if that makes sense. Yep. Yep.\n\nYes. So so Yeah. So as a and a minimum, generally, there's on it's like, during those annual reviews, they go over the performance in your portfolio. I do apologize if that's not what you've received previously or the people that you have spoken to previously haven't given you the insights on what was actually happening with those investments. Obviously, you know, I've come to the domain.\n\nI've I've pointed out, you know, things previously that you may have not been told. So I do apologize for for being fair of bad news. But, obviously, moving forward, I'm trying to put you in a position to, obviously, to to grow there and give you, like, the full spread of what's actually happening within your superannuation, which every 12 months, they're meant to be going over the portfolio itself, giving you a bit of a rundown of what's happening. Obviously, as I said, it's been a long that has been slightly under performing, but not to a point where, you know, you might give up on it. Obviously, they're long term convictions generally.\n\nIt's only until that corporate traveler that they've decided that they don't have conviction in that moving forward for this, obviously, investing in those high growth portfolios, that eight to ten year time frames. Like you said, with things like COVID and that, there were those sort of mixed years. And then with the portfolio construction previously, as I said, it comes down to the discussion you did have with your adviser when going into those funds. So I can't I'm not gonna just make something up to try and justify it. But just generally in terms of, like, going that if you want those high risk, high returns, you know, trying to bet a bit more to try and outperform that market, that is the risk you take.\n\nWhereas moving forward from what you've, like, told me and what you wanna achieve and the level of risk that you do wanna hold, we're looking at removing that active portion and then just having a higher allocation still to those growth assets, but not trying to out so the yes. Sorry. The the active portion, like, the active managed funds like that, Benelon, you have a fund manager trying to outperform the market. Whereas index is just like if you have the S and P 500, it's the top 500 companies in America. Now if a company gets bigger, it can go up into the 500 and make its way in, which means it's part of the investments that you hold.\n\nIf it does poorly, it falls out of that top 500, which means you don't have that investment as well. Now it's it's still, like, kinda fluid in that sense that it is adjusting to the companies that make it in and out of that 500, where a fund manager will depending on how they view sort of success and growth, whether it be valued or profit driven, they will be just select picking certain funds and certain companies, not just dependent on size or market value to see if they can outperform that, get those higher returns. Basically, you're essentially trying to pick the winners and losers out of a bunch, and that's what your fund that you were in was trying to obviously pick the winners and losers and try and make a higher return. Now since COVID, they haven't been doing fantastic, and they had that corporate traveler which caused them to really go downhill. But that is that management risk that I was talking about, and that's active management within that with that managed fund trying to outperform that market.\n\nA it's a bit less of a a gamble as they like they say, because you're not sort of trying to outperform it. You're just trying to follow what the markets are doing. And with index investing, it comes at a lower cost and that the markets are doing good, your investments are doing good. If the markets are stalling just a little bit, it may not see as much growth because you're not trying to outperform it. You're not picking the few winners in those downturn sort of times as the market as a whole.\n\nBut it does see a little bit less volatility like what occurred previously with your fund there, if that makes sense. Yep. Yep. So that would be accepting loss. So with that update there as well, we would be looking at removing a few investments there and adding a few investments and removing that Benelung there.\n\nSo the other option, like I stated previously, is to leave it and see how they rebound, but the company as a whole is saying to move away from Bennelong just given the circumstances and given the economic outlooks of the the fund. Now that's yep. The the investment committee has made a decision that they will be moving away from that fund as it sees fit, like, in terms of clients coming up for their annual reviews. Now, obviously, at the end of the day, it is your decision whether or not you wanna move out and crystallize that loss because for you, it's more than most with that higher allocation that you've stated previously, and then waiting to see how they do recover or taking that loss and crystallizing it and just moving forward, from that. I'll I'll generate a port from inception and see what it's down since inception.\n\nNo. It's not a problem at all. Yeah. No. I can no.\n\nIt's not a problem at all, Zoran. Like, that's that's our job at the end of the day. I I feel bad. It's sort of that I'm the one throwing all the information at you when it's sort of been, like, a bit of a slower drip feed for you, and then you've probably been across it a little bit more. So I do apologize for that.\n\nNow in terms of since inception, bear with me here. So the reason you had such a high allocation too is I can see here that there was previously two separated funds. So you had the Benelon Australian equities fund and a concentrated equities fund. And then with that, it seems at some point, either one fund's closed or it's consolidated, and it's just become the one investment there. Now with that as a whole, in terms of the negative returns since inception, so Benelon Australian Equities was sitting at a negative 6.77 since inception.\n\nSo it's looking at around a seven looking at. Yeah. Seems in that since inception, the report there, so that may differ slightly. So in terms of, like, the dollar figure, it went up and down in the thing. It's close to, like, a $25,000, like, movement, which is what you're you're seeing there.\n\nNow with that, obviously, some of that comes like you had some, like, growth in there, and then it's gone backwards as well. So that looks like you've lost a lot more in terms of, like, the up and the down. And like you said, with the the amount of money you put in, that's also going towards, like, those things like fees and as well in terms of that. So, yeah, it did make quite a poor return in terms of that going down. Now that's not the loss over the past twelve months that you have to understand as well since inception.\n\nSo in terms of loss in the last twelve months, it's probably closer to 25,000 in terms of, like, the the down, which is why it's gone backwards so far. But in terms of, like, the growth out of Benelon that it's had since you've held it and then the backwards step, that's closer to, like, net $77,000, if that makes sense. Like, you're looking across the time since you've been onboard versus the last twelve months. And Dollar Figure in the last twelve months, probably looking at close to, like, a 25 backwards return in in terms of, like, that's why it looks so, like, bad. All because of Dan along all the the other investments.\n\nLike, Hack has gone backwards a little bit and turns to, like, it's still up from where it was. Like, it's a bit of a market correction, which has caused it to go backwards a little bit, but that's not to be concerned. Like, they're looking at keeping hack. They have high conviction in hack, and it will be in your portfolio moving forward, so you wouldn't be crystallizing that loss. Okay.\n\nIt's purely the Benelong that you're looking at crystallizing that loss in? As, like, from, like, the the return you did lose, but in terms of, like, the money you've put into it and then the return it's gotten, it's, like, closer to, like, a $7,500 loss from the investment, but that's over the course of you being on board. But, yeah, in terms of, like, the backwards step that occurred recently, it's like a $2,025,000 dollar, like, change. Yeah. And that's part of what I'd originally suggest is, like, you can wait that three to six months and see how it tracks and how it returns.\n\nWe can keep a bit more of an eye and do sort of three month follow ups to see if you recoup some of that losses before making the change. But at the end of the day, I know sort of when we had the conversations, you just wanted, you know, you I'm sorry. So you're a little bit more worked out than you are now, and you wanted to just look at getting rid of it and doing something about it now, which is why I put something together that does exclude that. But if you decide that you wanna postpone this and hold off a few months there as well, and even if you did sign it and say hold implementation for three to six months until I say yes, that's an option there for you is to there's our yeah. We never wanna say, like, sell low, buy high.\n\nBut in your case, it's a little bit more extreme than others because, one, it's the funds that was affected not in the sense of the market itself, but an underlying investment. And then, two, it's quite a significant portion for you. So there's a few people I've had a similar discussion with, and they've chosen to wait that three to six months. As I said, as a company, we are like, they've decided to move away from it just from their economic outlook of the fund. But even if you were to wait that three to six months, you could be foregoing potential gains in another investment, or you could be sort of, you know, hurting yourself and it not moving much of the way anyway.\n\nOr it could rebound and you could get some of those losses. So it's sort of like even if it rebounded, like, sort of three to 4%, if you got that in another investment, you're sort of not really losing much because you're growing somewhere else. Whereas if it sorta stays stagnant too, given the the economic outlook of the fund, you could potentially lose out on potential growth even if it doesn't, perform too fantastic. So that's that's sort of your choice in regards to that one. Obviously, I made the recommendation of what you told me previously just to move away from it.\n\nBut like you said, it is quite a large portion for you in terms of that. But in saying that if you put that what is remaining left in that fund somewhere else, you could be getting better returns because it is quite a the switch there and then, like, the loss you did make on Bennelong, it works out that I believe the the capital gains with the switch in investments that we did do, it doesn't work out to be a whole heap because it carries some of that forward. I'll just see bear with me two seconds where it is. Sorry. I'm jumping around this advice piece a little bit.\n\nYeah. So the the cost of changing up the investments works out to be around $540 with the loss you'd be taking forward. And then so which isn't huge. It would have been, like, in the thousands if Benelon was up, if that makes sense, to make that adjustment. Yeah.\n\nYeah. So it's the loss you sort of take now versus potential gains for the future. But like any sort of recommendation, the returns are the one things that aren't guaranteed. Like I said, with the, you know, the crystal ball, like you said, no one knows what is going to happen. But as a company, I can only know the investment direction is to move away from Better Long.\n\nBut if you decide you do wanna hold that for that three to six months, there's no no harm in that as well if you do feel like it is gonna make a return. It did come back a few percent, and then it dipped it, like, again in terms of that one. And I'll just double check where it's at now, so bear with me. So and it took another dip today, actually. So with the the three month outlook, so when it went down in November there, it kinda hit a trough around that December, Jan.\n\nIt came back a little bit in terms of, like, returning, and it was sitting around, like, a a negative five, and then it's dipped back down towards, like, a a negative 11 since that November crash in terms of, like, percentage returns. And the year to date, it did come back, as I said, a few percent, but then now it's it's taken another dip for the fund. Like, you would be putting like, it would be allocating it per the original recommendation, which would given that it is down putting money into Benelon, which would in turn yeah. They keep a dollar figure would be going back yeah. If it was to keep continuing to go backwards.\n\nYep. So as I said, Zoran, feel free to have a a good read through it. It's valid for for thirty days, and then it's valid for another, like, thirty after that as long as none of your details have changed. So feel free to even take that thirty days, read through it, see how it is tracking. You do have a link to all the investments in the recommended portfolio in the appendix as well.\n\nYou can even have a little look at those, see how you feel about them. I know sort of, you know, it feels like you've been burned a a little bit with what happened with the Benelon side of things. So, you know, get yourself across it a little bit. Have a look at the past performance of the ones we are recommending. You know, even do your own little bit of research to make sure you are comfortable.\n\nI don't wanna push you towards anything you don't feel like you understand or aren't comfortable with at the end of the day. Yep. So you still you hold the S and P 500 come currently, and it's doing quite well. It does increase that slightly. It also puts you in BetaShares Australia two hundred, which is, like, the Benelong switch equivalent, if that makes sense.\n\nSo that's an index fund for Australia because Benelong was an Australian equities. So you would be switching the Bennelong for majority going towards that beta shares Australia two hundred, which again is an index fund for the Australian market. You'll have a little bit of exposure in the world excluding The US. In a different fund, you'll have a defensive portion from bank hybrids, and then you'll be removing a couple of other investments and readjusting them slightly, which are all listed on page 16 there. You can have a little look and see what will be carrying forward, what will be selling down, where that allocation will be going as well.\n\nIt'll also increase your allocation a little bit in gold, so so you'll have a little bit more in your alternatives as well. Yep. So it would still have the same allocation to growth assets. It just wouldn't have that active management in it. So you'd still have around that ninety ten split.\n\nI can even sorta tell you where you are currently as well. Sorry. I'll just scroll down to it. So so the when I say ninety ten split, that's 90% in growth assets being high growth, like things like your shares, property, international versus, like, Australian. And then you'll have, like, your defensive portion, which includes some of your alternatives as well.\n\nAnd that's got, you know, things like those bonds I was talking about, and that's, like, things like cash fixed interest that in market turns as well. They just tick along slowly. They don't look to get massive returns, but then they don't lose much value in those economic downturns as well. The alternative asset is that gold. It works as a bit of growth versus defensive in terms of how the markets are going.\n\nYou get capital growth out of it, and it is defensive. It holds its value and ticks up slowly as well. So that's why it's an alternative. It gets a bit of both worlds. Yep.\n\nIt would go down to a growth, and it would be about an eighty eighty twenty split. Well, given that even if you retired at 60, you still have nine years in terms of, like, working life. So you have enough time to be, like, in a high growth even for at least the next sort of, you know, six to seven before you're thinking about winding it back leading closer to that retirement years. It just depends on how much growth you're sort of aiming to get out of your superannuation in that time frame because with that, you know, the expected returns are lower for growth than a than a high growth. But like I said too, depending on how the markets are going, nothing is sort of guaranteed.\n\nAnd sometimes, you know, growth can outperform high growth. High growth generally does over the long term, though, outperform the growth portfolio because it does has the higher allocation to growth assets. So, you know, in the short term, some years you might have the the growth performing better for a little bit less risk. But, historically, over that longer period of time, it does work out that, you know, having that higher allocation to those growth assets, if you do have high conviction and hold those assets, that you do end up with those higher returns. So expected return sort of, you know, sitting around the eight to 10% annually for, like, a high growth as, like, an expected annual return, hopefully, and then growth sort of sits more to us at seven to 9% expected return.\n\nYeah. Well, given that you said you sorta don't wanna retire to the age of 65, maybe in a little bit longer, so that's that would be nine years in a growth portfolio, and then you could wind it back to, you know, say, like, a a growth or a balanced growth for those five years into your sort of sixties and then preserve that balance a little bit more. But if you're not looking to take on as much risk given what's happened and you're happy to have a little bit less risk, we can look at a growth portfolio as well and wind it back a little bit now for you. But just given that you're you don't have much debt, you're working well, you're contributing well, and you're also contributing more to super, realistically, on the sides of, like, working life, you're working quite well and hard and contributing quite well. So those are years that you still wanna aim for a bit more growth while you've got that that time on your side.\n\nIt's it's very hard to justify it when you do hit 60 and you go, actually, I want a bit more growth and increasing it then because that's when you're playing with fire a little bit. If you do have, like, a backward step what occurred now closer to that 60 mark in those sort of environments, then, yeah, it it's not very good. But in saying that's why we are looking at removing that active portion, which removes a level of risk, and you still have the same allocation to those growth growth assets. Yeah. But as as I said, have a a think about it.\n\nNothing set in stone. Yeah. Have a have a good read through it and see how you feel about it. So in terms of, like, a high growth, there is a bit of information about a high growth investor as well and sort of the the equities that it it focuses on there. In short, the recommended I know we sort of jumped all over the shop a little bit there, but it's to retain that net wealth.\n\nYeah. Yeah. No. That that's fine. And change those underlying investments.\n\nSo with that one, you would be retaining net wealth. You'd be switching those investments if you were happy with it. Now with that, it is looking at sort of building a a stronger sort of longevity with your super and having that less market exposure, especially during these times with what's happening in the market. And then with that one as well, it is reducing the investment cost. So that is a guaranteed savings that you will be having moving forward as well with the word and take the investment because having active investment actually costs more, and sometimes it does actually underperform, which is a bit of a double edged sword in terms of, like, the risk you do take versus the return and then the cost that takes for that risk.\n\nBut by, yeah, underlying change those underlying investments, maintaining that fund, you don't take on all the capital gains for that. And then you can look, given the loss that has occurred, switching up those investments and not paying as much capital gains to do so, which is why we decided to do, like, a full sort of portfolio, a little update there as well. Now you will be paying less fees. It does have historically a better track record just given the last five year rolling averages, but that isn't too hard with what happened with Benelon, unfortunately. And then it is in line with your risk profile still, and then it will remove that management risk from your investment there as well.\n\nAs always, though, you there is a certain degree of risk that the recommended investments will not perform as recommended or sort of as the projection state because it is based on those those rolling averages there as well. But in saying that we have a bit more conviction in those index investments moving forward and their returns versus, like, the that you currently hold versus holding that, if that makes sense. Yeah. Yep. So that's everything total.\n\nSo on the the left hand column, it labels everything, and you'll see the current weighting. Now the ones up the top are the weightings of your current portfolio. You'll be able to see exactly what they're invested in. And then the few below that you're currently investing, they'll have a 0% waiting. Now with the changes, you'll see the buyers and sales.\n\nSo we're looking at getting rid of Bennelong fully. We're looking at getting iShares Misky fully and selling those down and then adjusting the Japan back to the original waiting of around the 5%. So that's selling back down a bit. And then you'll be investing a little bit more into your S and P 500 moving, and then those top the bottom three investments are what the funds will be split between between selling down the Benelong and the iShares Misky. You'll be selling into the bank hybrids, which is that defensive portion, the BetaShares two hundred, and the All World excluding The US to make sure that you're not sort of geographically pinned to America or Australia there as well.\n\nIt gives you a bit of more exposure outside of just, like, Japan as a third option in Europe. Yep. Not a problem at all. And my screen's just frozen a second there, so bear with me. I'll have to pull up a different copy of your statement advice to keep going through that with you.\n\nApologies for that. That's just gonna take a second to load back up. Going back down to page 16 then. Sorry. Perfect.\n\nYep. So on that one, you'll obviously see those buy sell trades. Now from the allocation so if you go to page 70 there, you'll be able to see what currently investing in terms of what your growth does defensive assets and alternatives. 17, the one just below that. Perfect.\n\nNow the aim is to do that ninety ten split. So currently, you're around 90¢ growth at around 5% defensive with the alternative assets there as well. Now moving forward, it'll be 87.8% in the growth and then around 5.2 in defensive, plus seven in the alternative. So as I said, like, it's very close to in terms of, like, the amount of growth assets you do hold that you remove that managed portion there, which reduces that risk state that you will hold. But you still have that higher allocation to those growth assets to try and get those high returns over that long term period, if that makes sense.\n\nPerfect. Below that, you'll be able to see what that looks like in terms of, like, the fees you'll be paying first the expected returns. As I said, it's to be taken with a grain of salt in terms of, like, the expected outcomes of this, but it just shows you based on the five year rolling averages what might occur. Now with the one that I'm sort of more focused on is the investment cost. So removing those investments and going more index approach there, you'll be removing a a lot of the investment fees that come with that.\n\nSo it nearly removes $1,400 in terms of, like, investment costs you'll be paying each year, like, in terms of the investments you do hold, plus another 160 or close to a 170 in terms of, like, other fees associated with those investments. So it does work out that you'll be saving in terms with all of that around the sort of $1,187 per annum. And the reason it's not higher is because you're contributing more, which means that your balance is gonna continue to grow, which means the adviser fee being percentage based means that that will go up slightly. But that's based on the projected return. So it's not the fee you'll actually be charged.\n\nIt's based on, like, a year's worth of growth and things like that as well. So, again, if the markets don't perform as well, you get charged off the balance you do occur, which as bad as it does sound even though that they did have a bit of a backwards turn in your fund, it means that we get paid less for what occurred as well because it is that percentage based with the outcomes there. But the guaranteed savings there will help grow your superannuation balance because that will go towards the growth and not the investment, especially since they weren't performing too fantastic. Yep. Yeah.\n\nSo that was based on the on, like, your employer contributions that you were receiving. Yeah. So with that, it's it's net contributions as well. So you still get taxed in super and just not as much, yeah, the 15% plus, like, obviously, yeah, going into that. So with that, it just works out to be, like, a little bit less even though you're aiming for that 34,000.\n\nYou obviously get taxed as well going into that plus, like, whatever the growth going in as well. Yeah. You should be able to see your contribution cap spacing for not only, like, this year, but previous five years as well. So if you were to exceed it, you might have some carry forward if you wanted to do something like that. Obviously, we can have a chat about that a bit later if it comes closer to tax, and you feel like you're gonna exceed it or wanna exceed it.\n\nIf you do have that carry forward space, you can contribute more without getting penalized and taxed more. Yeah. So we can we can see, like, on your your account the, like, the total deposits that you've made and through the transactions. But, obviously, I can't tell when your employer is gonna make their their I can obviously see when it roughly might look like based on, like, what's occurred previously, but you'd have a bit more of an idea of when your employer is gonna put in your contributions and things like that as well and how much you expected based on your payslip. I believe it's only, like, every quarter they have to do it.\n\nSo some people used to do it weekly. Some piece people used to do it monthly. I believe as a minimum, they have to do it quarterly in terms of, like, contributions at the moment, but it has, like, sort of changed every now and then, and that's purely because you can't just withhold a year's worth of contributions for a year and then dump it in all at once because that's a year's worth of growth your employee is missing out on that the employer gets by holding those funds. Now it does cost the employer every time they put money into super through, like, SuperStream. It does cost accounting wise to put money into to super that the business does have to pay, which is why a lot of employers don't do weekly contributions and things like that as well.\n\nThey'll tend tend to do monthly or or quarterly. Yeah. I believe so. At the moment, it is, like, Perfect. But do you have any questions in regards to that table at all?\n\nAnd just double check. Yeah. It is it is quarterly. So the the three year rolling average yeah. So these are based on they're not exactly what would have occurred because it does, like, exclude certain events, so it doesn't carry across to, like, what occurred in your fund.\n\nBut before phase, like, the that investment was like, that's the the five year rolling average. Now it doesn't sorta always work out what occurred in the fund. And, obviously, in your case, it didn't in terms of, like, what you did receive versus the cost you were paying, like, investment wise. But before you take into consideration costs and things like that, that's, like, the the return rate with the three year rolling average. That that's, like, that's what I said.\n\nLike, investments are meant to be taken with a grain of salt because they're based on what did occur. Like because if you go over the page as well, you can see, like, the the twelve months, three years, and five years. Now if you look at the twelve months report, you say you're doing that 1.2 before you take into account investment costs and things like that. And then that five years close to that 8.8 before you take into account fees, which is where you're sort sitting now given what occurred during COVID and things like that. And then if you look at the twelve month and the three years from those index investments, just because the markets have been doing well in terms of, like even though they've been quite volatile with, you know, Trump playing around in the market, they've been ticking up quite steadily, which is why those index investments have been doing well.\n\nIt's not always the case, which is why I say, like, take it with a a grain of salt. If the markets are doing well, then your index investments are doing well. But if the markets aren't doing too fantastic and has stagnated a little bit there as well, then your your investments do slow with that as well. Yep. Yep.\n\nThe next section is just based on that salary sacrifice. So based on what we've got in your superannuation, you have around that $13,000 in concessional contribution cap remaining for the end of the year. Now if you go to page 21, you'll be able to see a breakdown in that table versus your employer pay contributions plus the the bonus, which we accounted for that four weeks pay there as well for your your salary just in case versus the the taxable income that you will be receiving. So you have your super employee contribution. So based on that, it's looking around the 15,637 salary sacrifice for the $100 a week is 5,200.\n\nWith increasing that to reach the cap, you're looking at around the 15,000 in super and then 15,000 salary sack there as well minus the the tax going into your superannuation. As I said, those figures to be taken with a grain of salt based on the fact that you have already increased your contributions. So I would just, like, be mindful of that, like, in the next sort of few months, obviously, leading up to the end of the financial year, just making sure that you've accounted for all your pay cycles for your quarter to go in before making, like, your last contributions and things like that. Yeah. They should you should be able to see on your play slip what your super entitlement is, and then you could just ask accounting when that when that's a bit when they pay that so you know when that's gonna go in and what amount that is, and then just sorta add that to what you've got in your remaining cap space and make sure that based on your salary sacrifice that you're contributing as well that you're not gonna exceed that.\n\nNot a problem at all. And there is a a slight typo there as well. It's meant to be $14.04 8 for the salary sacrifice. Just a slip of the thumb, it looks like there. Because, obviously, your cap space is 30.\n\nSo 15 plus 15 with some change there that you're sitting at 31. But as I said, the the figures are just to highlight what that sort of looks like in terms of what you're paying versus what you would be paying and that the outcomes tax wise in terms of, like, your take your take home pay and everything like that. So that's for that twelve month period, what that sorta looks like if you do contribute the full 30,000, if that makes sense. Obviously, the advantage of that, you're obviously taking advantage of that 15% tax rate. It's investing given that you don't have much debt as well for, you know, your retirement, the end of your working life as well versus, like, having a retirement or investment outside of super that does form part of your taxable income.\n\nSo you do form that tax benefit. The disadvantage is you've obviously locked that away into your immediate condition of the lease mainly. Given that we could, you know, not do so, sacrifice, look at investment outside of super as well. Given that you're in a position there where you've got a nice amount of savings, don't have much debt, and the debt you do have, you could pay off if you wanted to. It just works out that you could still even have an outside super investment in the next few years, and you can afford what you're currently doing there as well.\n\nAnd you've got that cash buffer to not really have to worry too much as well if something did occur. If you can afford it, obviously, the benefit is come your retirement age, you get those like, obviously, if you get some growth out of it, you get that all tax free in terms of distributions. The growth inside it still gets taxed at whatever, like, growth it earns and incomes it earns. But if you had an investment outside of super come, you know, retirement, if you put 50,000 or 30,000 a year, you know, investment outside of super, when you wanna draw that down in retirement, you still gotta pay the capital gains on that. And then drawing down on that income, you've always gotta pay tax and everything like that.\n\nWhereas through super, as long as you can afford to lock it away for that time line, you do have that added benefit of receiving more of the funds tax free as opposed to to not and having that liquidity and access to it. But you do have a large portion sitting in cash as well if you did need the funds for anything. Perfect. In terms of the insurance side of things, there's Zoran. So we're just looking at replacing your current policy with a a more comfortable cheaper option.\n\nSo when going to market, there is well, we did find that if you applied for $300,000 of life and TB, that's 7,000 a monthly benefit of income protection, and a thirty day wait still on a five year benefit, And a thirty day wait still in a five year benefit period, it nearly cuts the premiums down there in half. So you're looking at more 2,500 per annum as a yearly premium opposed to the the 4,900 or close to 5,000 that you're currently paying there. Now it is a little less in terms of, like, the monthly benefit for your income protection, but given that you don't have much debt there as well, that would cover, like, your base expenses and things like that. Obviously, you still get taxed on that 7,000, but it makes it a lot more affordable. It brings it back down to that $300,000 flat as well, but you still have that thirty day wait and five year benefit period, which is still nice and comprehensive there for you.\n\nYou would just have slightly less coverage in terms of the benefit amount for income protection. But in worst case scenario, I'm assuming like, given your payments aren't probably huge on the loan that you pay for that redraw, And then your living expenses, if you are injured, you're not gonna be out partying on the weekends either. So in terms of that, you probably don't need to cover for much more than that anyway unless you were planning on, you know, taking a holiday to Mexico while you're on income protection claim, which I would highly recommend again because you'd probably end up off claim pretty quickly. Now with that one, we will be looking to cancel the Neos policy that you do currently hold. There is that features gained and lost there.\n\nIt's mainly in regards to the TPD portion. So the ClearView, the main thing is you don't have the partial benefits. Like, that's claims for, you know, things like they cover for specific loss of limbs, things like that, where they'll pay out partial TPD, which you don't want have with the Clearview. But that's part of also paying less in terms of the yearly premium there as well. You do lose a little bit of those benefits, but the income protection's quite comparable in terms of what you're paying and what you're receiving.\n\nBut as I said, I have a quick look through that appendix there as well. You can see it much like we went through previously in what you're gaining versus what you're losing. Well, technically, it's $29.29 50, basically. But with being inside super, you get the 15% rebate, which brings it down to the $2,500. Yep.\n\nYeah. So the the one listed below is the higher one because paying outside of Super, you get that 15% rebate, which is nice. And then, yeah, you'd be canceling that Neos product there as well. The only difference that came out with that, Zoran so within regards to your current Neos policy, I know you did disclose you had a leg injury, but on the application, you didn't mention that you had the tendon the tendon surgery. Now when we disclosed that with the update, it's looking like due to the surgery with the tendon, it would have been an exclusion on the Neos policy, which technically is a nondisclosure anyway, so it should technically apply to the Neos policy.\n\nNow I'm not saying you did that maliciously by any means. You did mention that you had the leg injury. You just, like, didn't mention the fact that you had the tendon surgery related to that as well. So with that, you would have the men oh, sorry? No.\n\nWe on the original policy, the Neos one back in '20 '19, was it? You mentioned you had a leg injury, but it wasn't until you mentioned at the latest round of pre assessments we did with the insurers to look at insurances again that you had the the app. So with that, just given that like, obviously, it doesn't affect you in everyday life. It just means that moving forward, it'll be an exclusion. But, technically, it should have been exclusion on that current Neos policy.\n\nJust well, either, yeah, either way, even if you didn't go ahead with these insurance, it technically still should apply to the Neos policy because they came back saying that it would be it would have been an exclusion, basically. When we didn't tell them, obviously, it was you when we did those pre assessments. It's a blind pre assessment. But when Neos looked at your profile, the fact that you had the leg injury with the surgery, they said that would result in a leg exclusion, which means that it should apply to your current policy now. It just doesn't.\n\nBecause I had a look at the previous like, the application you did way back then. You mentioned the leg injury, just not the surgery, which which isn't an issue because we're looking at rewriting anyway. It just will mean that you will have that mental health exclusion and the leg exclusion. But even if we kept that Neos policy, we would have to probably go to them and say, hey. Discovered this.\n\nAnd they have the chance to basically say, oh, no. We don't want this policy anymore, or they'll just change it to have the exclusion. Or you just don't tell them and you run the risk that if you hurt yourself with that tendon injury and try and claim on your policies, there's a chance that they might find it. That's yeah. That's that's what I'm saying, sir.\n\nYeah. It's it's not exactly. So if if you broke that leg in a car accident and you couldn't walk on that leg anymore, it's not excluded due to that reason. It's due to if anything comes comes from that tendon injury from previous surgeries or you have to go get another surgery. Like, say, if you had to take time off work because you had to go get the tendon refixed because something went wrong, you wouldn't be able to claim on IP or things like that.\n\nBut any other injury nonrelated to that or deemed to be related to that injury, it's fine. It's still covered. Yeah. And as I said, it can they're quite worthy, those pre assessments too or, like, the application summary. So by any means, like, we've had plenty of people answer the questions truthfully, and it still comes back that it's potential nondisclosure because they put the thing down the bottom always any additional information.\n\nIf you answered all the correction like, questions correctly, they could still sorta come back and be like, we asked any additional information you wanna give us, and you didn't give us x y zed, which they found out about later. So, you know, the insurers are always trying to get out of it by any means necessary. So, yeah, by any means, I'm not saying that you've maliciously did that at All Zone, so you're quite truthful on your, yeah, your pre assessments and everything. So yeah. But, yeah, the the fact of the matter is it will be an exclusion, and it would have been an exclusion on that nail policy anyway if as long as you're comfortable with that.\n\nPerfect. In terms of the cover amounts, obviously, I said it's a little less IP, but that helps with cost. That life and TPD portion, it's mainly just in the event that anything did occur to you. You do have those funds. Obviously, you do have quite a large balance in terms of super pardon me.\n\nAnd then funds outside of super as well in terms of, like, your assets. So we don't wanna be ensuring you could too much where you don't need that level of cover given that you're largely debt free. Perfect. In terms of, like, insurance through superannuation, obviously, there is a cost to that and the effect on superannuation balance. So the five and ten year impact, obviously, you know, again, taken with a grain of salt.\n\nBut, you know, if everything was to recur year on year, it would show you just what that would look like versus having current, no insurance, or the recommended insurance in terms of, like, the cost. Yep. So that's like minusing a premium from your growth sort of thing to show you what that looks like versus yeah. With taking into account the insurance cost and, like, the performance as well. And then it shows you the performance with the new insurance cost.\n\nAs I said, you know, highly inflated figures by any means. I admit that. But it just shows you if everything based on, you know, the percentage returns, the insurance costs, what that might look like versus having, like, no insurance and the cost you're paying for that, if that makes sense. Yeah. Because, like, it's based on that three year average because, like, it only goes up to to three in terms of what we could project for that.\n\nAnd then to say that those same three years are gonna replicate for the next ten years, you'd be saying, like, the markets are gonna do the exact same thing back to back twice, basically, or three times, which are never gonna occur by by any means. Like, you look at any point of stretching history, like, it it rarely will go like that for that period of time, which is why I say, like, highly inflated because, obviously, it's been quite good for that index investment for those years that, you know, if they have a bad year, quite a stagnant year, that obviously affects returns and same with, you know, good years and bad years sort of thing. Those big what? Yep. Sorry.\n\nSo with that one as well with that, like, expectation setting is one of it. And then to say to someone, you know, that's twenty years away from retirement that this is what you're you're gonna get, it is, like, with the world and why things are yeah. Yeah. So we we obviously try and keep aligned with what you're wanting to achieve and trying to get you there, which is why we do these updates and things like that as well. But as far as, like, what you originally projected, I'd have to go back and have a look and see what that that look like in terms of, like, the figures to see if I I could see that.\n\nBut we do have, like, your goal of what you're trying to achieve by retirement and the income in retirement, which is what more so I'm basing on. It's getting that sort of $1,700 per week in retirement and trying to get there. And as you get to get closer, that's when we start, you know, doing those drawdown calculators and seeing what that looks like and pushing out and stepping out what those drawdowns look like and how long that might last you and whether or not, you know, we're achieving that goal or not. But to do that now when you're sort of fifteen years away from potentially hanging up the boots, you could work longer, you might not. There's a bit bit too many variables there that that I'm I'm not gonna include that in an advice document to say that, like, a 100 percent we're there.\n\nWhen a year from now, like, if the markets go great, you're above that goal. If it has a bad year, then you're below that goal sort of thing. Like, that's why Yeah. You get within, like, the ten year mark of, like, your retirement. So if you are 55, that's when you can sort of start looking and projecting it a little bit more.\n\nIt's still quite a ways out, but it's not fifteen years away, if that makes sense. And then given that, like, obviously, you had the COVID run and things like that, which is a lot harder to predict for, so that has put you in a bit of a back foot. But you've still got plenty of working life behind you in terms of that. And, you know, in the next five years, like, we might see how things go. Obviously, you do your annual reviews.\n\nIf you do another twelve months from now and you're still really not happy with the service, you can go go above me and have a chat with someone else and see what you wanna do with things, whether or not you wanna move back to an industry fund or whether, you know, you wanna speak to a different adviser. I take no no offense. It's your money at the end of the day, Zoran, and it's whatever you wanna do with it. I'm obviously here to make my recommendation. But if you don't feel that that best to you, then I'm I'm probably not doing my my job that great anyway.\n\nSo you can go to wherever you feel like you're getting the most value for your money or getting the what you expect or what you want out of things. Yep. Well, in terms of that, that is, like, the gist of most obviously, I could go a bit more into the alternatives and the the advantages and disadvantages, but that is, like, the the superannuation, the investment side of things, and the insurance side of things with the touching on the the salary sacrifice part. So the main key points I do need to touch on there are just the the what we do receive. So the upfront, if we were to rewrite that Clearview, we do get 66% of the upfront premium for that.\n\nThat's not an additional cost you pay. That's just what we get paid from the insurer for setting it up and going through that process of doing the application and setting it up for you. And then the adviser fee is at 1.1. So moving forward there as well, you do have that 1.1% fee, which is nice that that got knocked down not too long ago at the end of last year. So that'll also help in those ongoing costs.\n\nThat $3.09 $3.02 is that annual premium, and then the 22% premium is what we get from the insurer premium. That's not an additional cost to you. That way, you get remunerated for maintaining that policy. We're just happy to disclose it because it's something that we do receive. We don't get conflict of remuneration for many of our other investments, things like that.\n\nSo everything that we get for managing your accounts disclosed there on page 32 in terms of the premium from the insurer that we get and then the advice fee we get from your superannuation as well. Yep. And then, obviously, if you were happy with everything, we would, in the back end, change those underlying investments for you. If you do wanna hold off a little bit longer there as well, feel free to let us know. We can hold off and see how Benelawn's tracking and implement a bit later, all sort of things in regards to that.\n\nIn regards to superannuation and your salary sacrifice, you've already increased that. So just keep an eye on that, check your myGov, make sure you're not gonna exceed that 30,000. Give us a call even. We can tell you how much you've actually contributed to the fund. But as I said, we can't tell when your employer contribution's exactly gonna pay or how much it's gonna be because you've got the payslips there.\n\nYou'd know more than me. And then if you are happy with everything, we'd get you booked in for that personal statement there with one of my colleagues, and they'd go through that application, apply for those ClearView insurances. Now with that as well, once we're applying for those, we're not canceling your nails straight away. We wouldn't do that until your ClearViews enforce. Worst case scenario is something pops up, you get declined, we just keep the Neos policy, and we let them know about the nondisclosure.\n\nIf you don't wanna tell them about it, then we just don't run that risk. But in the meantime, you'll still have that Neos policy and be covered until such time we that clear your policy in force. Once that's canceled, the remaining of the twelve month premium that you have paid, you get refunded to your account from that Neos policy as well. No problem. Do you have any other questions?\n\nYeah. Grab a highlighter then. Yeah. Feel free to call up, put another booking in. I'm happy to have a chat.\n\nObviously, it's a lot of information coming at you. But, yeah, you've technically got 60, so within the thirty, as long as you confirm after that that you've nothing's changed in regards to your circumstances or asset liabilities, the SOA is still fine, then if you got another 30 after that. So even if you push that right out to see how Ben Long's tracking and then having another conversation towards the end there, more than more than happy with that. You can just get it booked in as well. No problem, Zoran.\n\nAnything else for me while you've got me there just in regards to the yeah. That's not a problem, Zoran. I'm happy to. Again, apologize if you ever feel like you got the most out of service so far, but hopefully that changed moving moving forward if you're happy to stay with us there. Too easy.\n\nYou enjoy the rest of your afternoon there, Zoran. Thanks for your time. Thanks, man. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Zoran.","start":2.8799999,"end":3.84,"sentiment":"positive","sentiment_score":0.39489874243736267},{"text":"It's Carl calling from OQ Financial.","start":3.84,"end":5.44,"sentiment":"neutral","sentiment_score":0.22951178749402365},{"text":"How are you today?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.25095174089074135},{"text":"Yeah.","start":8.0,"end":8.32,"sentiment":"neutral","sentiment_score":0.21364200115203855},{"text":"Not too bad at all.","start":8.32,"end":9.12,"sentiment":"neutral","sentiment_score":0.30593632757663725}],"sentiment":"neutral","sentiment_score":0.27941566078286423,"num_words":19,"start":2.8799999,"end":9.12},{"sentences":[{"text":"Thanks.","start":9.12,"end":9.44,"sentiment":"positive","sentiment_score":0.6183253526687622},{"text":"I had you scheduled in to go through that statement advice today.","start":9.44,"end":12.615,"sentiment":"neutral","sentiment_score":0.2996385072668393},{"text":"Is now still a good time?","start":12.615,"end":13.835,"sentiment":"neutral","sentiment_score":0.19287722806135812},{"text":"Brilliant.","start":16.375,"end":16.875,"sentiment":"positive","sentiment_score":0.6452146172523499},{"text":"Just before we jump into that one, Zoran, if I could just pass you through security with that name, date of birth, and current address, we'll get stuck into that today.","start":17.015,"end":23.035,"sentiment":"neutral","sentiment_score":0.16039352960163547}],"sentiment":"neutral","sentiment_score":0.2154640165321967,"num_words":51,"start":9.12,"end":23.035},{"sentences":[{"text":"Perfect.","start":31.269999,"end":31.59,"sentiment":"positive","sentiment_score":0.5380129218101501},{"text":"Thanks for that one, Zoran.","start":31.59,"end":32.809998,"sentiment":"positive","sentiment_score":0.6129880428314209},{"text":"Now just before we jump into the actual statement of advice, can I just confirm in regards to, like, your assets and client details that nothing's changed since we, like, originally started the process and gone through everything and created the document?","start":33.43,"end":45.655,"sentiment":"neutral","sentiment_score":0.08602896678660597},{"text":"Everything's largely unchanged.","start":45.655,"end":47.035,"sentiment":"neutral","sentiment_score":-0.018195797378818195},{"text":"Yeah.","start":78.085,"end":78.405,"sentiment":"neutral","sentiment_score":0.11297554522752762}],"sentiment":"neutral","sentiment_score":0.1398953441172265,"num_words":52,"start":31.269999,"end":78.405},{"sentences":[{"text":"Perfect.","start":78.405,"end":78.81,"sentiment":"neutral","sentiment_score":0.2478789985179901},{"text":"We did include that in the the statement of advice in regards to that salary sacrifice because I didn't know you wanna get close to the the cap there, and we just threw the numbers into that to show you what that sort of looks like.","start":78.81,"end":89.61,"sentiment":"neutral","sentiment_score":0.07411833018388438},{"text":"Obviously, you started contributing a bit more in the the time that since we spoke as well.","start":89.61,"end":94.455,"sentiment":"neutral","sentiment_score":0.013272078159977408},{"text":"So, yeah, just be mindful.","start":94.615005,"end":95.895004,"sentiment":"neutral","sentiment_score":-0.005619675293564797},{"text":"Go under myGov if you're ever unsure and just double check the cap space you have there.","start":95.895004,"end":100.235,"sentiment":"neutral","sentiment_score":0.002877449945491903}],"sentiment":"neutral","sentiment_score":0.045392625445370066,"num_words":86,"start":78.405,"end":100.235},{"sentences":[{"text":"Perfect.","start":103.575005,"end":104.075005,"sentiment":"neutral","sentiment_score":0.3024675250053406},{"text":"Now I am going to send you out a document, and then that will be going to your email there, and that will be zedoknic@yahoo.com.au.","start":104.535,"end":114.350006,"sentiment":"neutral","sentiment_score":0.12597558110952378},{"text":"Is that still correct?","start":114.350006,"end":115.25,"sentiment":"neutral","sentiment_score":0.06056850589811802},{"text":"So what I can do is because you can't see the document in front of you, and I don't wanna just speak at you for for forty five minutes, I can send it to you.","start":124.19,"end":131.545,"sentiment":"neutral","sentiment_score":-0.014203202325318541},{"text":"I can give you a brief overview of the sections, what's in it, and the sort of compliance side of things.","start":131.545,"end":136.525,"sentiment":"neutral","sentiment_score":0.2863360671770005}],"sentiment":"neutral","sentiment_score":0.10709391169379963,"num_words":86,"start":103.575005,"end":136.525},{"sentences":[{"text":"And then you can go away and have a read of it when you get a chance and then come back with any questions you might have or any sort of queries in you might have or any sort of queries in regards to the document, if that's alright.","start":136.585,"end":147.02,"sentiment":"neutral","sentiment_score":0.20475789889389154},{"text":"Perfect.","start":149.32,"end":149.82,"sentiment":"positive","sentiment_score":0.7945104241371155},{"text":"I'll just send that now so that to be with you there shortly.","start":149.96,"end":153.64,"sentiment":"positive","sentiment_score":0.5475502495582287},{"text":"So within that one as well so the way the new Odoo works, I'm not too sure if you've completed one of those.","start":153.64,"end":159.215,"sentiment":"neutral","sentiment_score":0.0962114744293301},{"text":"I think you might have with your annual review with your tax file number and everything.","start":159.215,"end":162.355,"sentiment":"neutral","sentiment_score":0.105625991942361}],"sentiment":"neutral","sentiment_score":0.21420274997203081,"num_words":102,"start":136.585,"end":162.355},{"sentences":[{"text":"It'll send you an email.","start":163.135,"end":164.41501,"sentiment":"neutral","sentiment_score":0.15321352183818818},{"text":"It'll have some supporting documents, and then it'll also have a signable documents link.","start":164.41501,"end":168.175,"sentiment":"neutral","sentiment_score":0.12172419258526393},{"text":"Now within the signable documents link will be the the statement of advice, your ongoing service agreement if you're happy with the the advice, and then also happy to stay on for the next twelve months, and then also the insurance quote in regards to if you were happy with the recommendation.","start":168.175,"end":182.94,"sentiment":"neutral","sentiment_score":0.2555437199771404},{"text":"As part of the supporting documents there, you'll obviously have the new Oakview Financial Services Guide and the Financial Services Guide there as well.","start":184.03499,"end":191.25499,"sentiment":"neutral","sentiment_score":0.13942980114370584},{"text":"In addition to that, you'll also have the PDF documents for the recommended products for your your superannuation that you'll be retaining from the recommendation and then also the suggested insurances there as well.","start":191.47499,"end":201.08,"sentiment":"neutral","sentiment_score":0.1606015690109309}],"sentiment":"neutral","sentiment_score":0.19042828153501185,"num_words":129,"start":163.135,"end":201.08},{"sentences":[{"text":"In addition to that, you also have the the appendix and a copy of the statement of advice as an attachment in that as well.","start":201.7,"end":207.88,"sentiment":"neutral","sentiment_score":0.14230398207902908},{"text":"So and in that appendix too, you'll be able to see much like the report we did between, like, your a new and existing Neos policy.","start":209.78,"end":217.555,"sentiment":"neutral","sentiment_score":0.18132292479276657},{"text":"We did one of those for you as well between the recommended existing policy as well to show you what the features and gain and loss will be for that one, much like we went over before.","start":217.555,"end":226.99,"sentiment":"neutral","sentiment_score":0.24697550567420753},{"text":"So in regards to the document, obviously, there's a best interest duty there.","start":229.29001,"end":232.33,"sentiment":"neutral","sentiment_score":-0.06571493985561225},{"text":"If it wasn't gonna put you in a better position, we wouldn't make the recommendation.","start":232.33,"end":235.15001,"sentiment":"negative","sentiment_score":-0.4988269825776418}],"sentiment":"neutral","sentiment_score":0.0782188823253944,"num_words":116,"start":201.7,"end":235.15001},{"sentences":[{"text":"That's what we're bound by as financial advisers.","start":235.85,"end":238.03,"sentiment":"neutral","sentiment_score":-0.15297436341643333},{"text":"Now in regards to the scoping of the advice piece there, it is quite simple.","start":238.49,"end":242.525,"sentiment":"neutral","sentiment_score":0.16263077954451244},{"text":"We're just looking at the superannuation and personal insurance side of things and the salary sacrifice.","start":242.525,"end":246.545,"sentiment":"neutral","sentiment_score":0.042400021804496646},{"text":"As far as what's not considered, we had a conversation about retirement income needs, your state planning, budgeting.","start":247.00499,"end":253.265,"sentiment":"neutral","sentiment_score":-0.07315870819406377},{"text":"In regards to everything as well, you were happy with sort of just seeing how far away you might be in a bit closer to retirement as it's, like, fourteen years away from when you sort of wanna hang up the boots.","start":253.94,"end":266.085,"sentiment":"neutral","sentiment_score":-0.1027478233334564}],"sentiment":"neutral","sentiment_score":-0.03775957770495102,"num_words":99,"start":235.85,"end":266.085},{"sentences":[{"text":"It's a bit far to project into sort of draw downs and things like that.","start":266.245,"end":269.625,"sentiment":"neutral","sentiment_score":-0.3295745427409808},{"text":"As far as your estate planning matters, you are happy with what you've got in place there.","start":269.925,"end":273.60498,"sentiment":"positive","sentiment_score":0.49383815158815947},{"text":"Your your will's up to date.","start":273.60498,"end":274.645,"sentiment":"positive","sentiment_score":0.6345900992552439},{"text":"Your beneficiaries are good.","start":274.645,"end":276.185,"sentiment":"positive","sentiment_score":0.6860262006521225},{"text":"And then with your budget and savings there as well, I know you're paying down that little bit a supplementary home loan you took out for renovations, but otherwise, you're largely debt free and saving quite well.","start":276.805,"end":286.05,"sentiment":"positive","sentiment_score":0.4483153989186158}],"sentiment":"positive","sentiment_score":0.33659424802547766,"num_words":79,"start":266.245,"end":286.05},{"sentences":[{"text":"In regards to investments, I know you might sort of particularly look at sort of investment at Super given how things are going in the near sort of few years, but you didn't wanna at this point in sort of circumstances see if things change.","start":287.94998,"end":300.08502,"sentiment":"neutral","sentiment_score":0.06277139625615544},{"text":"And then I know you discussed the whole property and sort of where I'm in the iron with that as well, and that's still a possibility potential for the future.","start":300.30502,"end":306.86502,"sentiment":"neutral","sentiment_score":0.0875284613420566},{"text":"But at the moment, you have put a hold on that as well.","start":306.86502,"end":318.5525,"sentiment":"neutral","sentiment_score":-0.046289397546878226},{"text":"Yep.","start":328.215,"end":328.615,"sentiment":"neutral","sentiment_score":0.08755195140838623},{"text":"So that that will be the the supporting as well as the, yeah, the so if you click on the statement of advice, you'll be able to follow along with me and have a look at the sections I'm talking about there for you as well, Zoran.","start":328.615,"end":340.25998,"sentiment":"neutral","sentiment_score":0.3166438564658165}],"sentiment":"neutral","sentiment_score":0.14572513021309585,"num_words":136,"start":287.94998,"end":340.25998},{"sentences":[{"text":"Might just take in a second to to load up there.","start":352.535,"end":355.355,"sentiment":"neutral","sentiment_score":-0.20966247469186783},{"text":"As I said, in regards to scoping, it gives you, like, sort of what your goal and what you want to achieve and then the reasoning behind including it in the advice piece or not.","start":356.775,"end":363.915,"sentiment":"neutral","sentiment_score":0.21048411024468286},{"text":"So you'll be able to see that on the first few pages just while that's loading up.","start":364.215,"end":368.2,"sentiment":"neutral","sentiment_score":0.30491932262392607},{"text":"Feel free to have a read through those as well.","start":368.74002,"end":370.42,"sentiment":"neutral","sentiment_score":0.31908217668533323},{"text":"I won't dwell on them too much.","start":370.42,"end":371.7,"sentiment":"neutral","sentiment_score":-0.0340738408267498}],"sentiment":"neutral","sentiment_score":0.16495737503282726,"num_words":80,"start":352.535,"end":371.7},{"sentences":[{"text":"But while that's loading as well, I'll give you the gist of what statement advice is there, Zoran.","start":371.7,"end":375.62003,"sentiment":"neutral","sentiment_score":0.2763040525217851},{"text":"So with the recommendation in the simplified version is we're gonna look at retaining your net wealth account just due to capital gains that may apply for moving your funds from your one platform to another.","start":375.62003,"end":386.035,"sentiment":"neutral","sentiment_score":0.1267668737305535},{"text":"You'd have to pay down the entire capital gains that's liable.","start":386.49503,"end":389.535,"sentiment":"neutral","sentiment_score":-0.08742081983522935},{"text":"Whereas if we just do an adjustment, you don't have to pay that full amount in addition to that so with with the platform net wealth, so you can move superannuations, like, to a different platform.","start":389.535,"end":405.53,"sentiment":"neutral","sentiment_score":0.0942155168288284},{"text":"And then with that one, there's still capital gains on that even though you've had a few investments that took a bit of a backwards step and, like you said, quote, unquote, went down the shooter.","start":405.59,"end":414.675,"sentiment":"neutral","sentiment_score":-0.0038081686943769446}],"sentiment":"neutral","sentiment_score":0.08635121105361158,"num_words":137,"start":371.7,"end":414.675},{"sentences":[{"text":"There's still ones that have made money over the time you've been on board there as well.","start":414.815,"end":418.01498,"sentiment":"neutral","sentiment_score":0.27398701888673443},{"text":"So there is a tax liability on your account if you were to sell down everything to cash.","start":418.01498,"end":422.35498,"sentiment":"neutral","sentiment_score":-0.17704510109292138},{"text":"So that's why we're looking at retaining the net wealth.","start":422.85,"end":424.53,"sentiment":"neutral","sentiment_score":0.3096381723880768},{"text":"Not only is it still a competitive product and you're able to utilize it for the purposes of having a retail fund and sort of modifying the investments and doing things, like, in the future with your superannuation retirement strategies.","start":424.53,"end":436.295,"sentiment":"positive","sentiment_score":0.5963416323065758},{"text":"You don't have to pay that capital gains.","start":437.315,"end":439.155,"sentiment":"positive","sentiment_score":0.43297097831964493}],"sentiment":"positive","sentiment_score":0.34284712197960066,"num_words":93,"start":414.815,"end":439.155},{"sentences":[{"text":"And then with that, we'll be looking at changing those underlying investments, like you said, to eliminate the ones that aren't performing well for you.","start":439.155,"end":446.615,"sentiment":"neutral","sentiment_score":0.31056921035051344},{"text":"Now with that as well, we did have a look at the salary sacrifice, what you were contributing versus what would get you to the cap and showed you that in the what you were contributing versus what would get you to the cap and showed you that in the table to what that looks like.","start":446.995,"end":454.91998,"sentiment":"neutral","sentiment_score":0.2224602193704673},{"text":"Obviously, you've been doing it a little bit longer, so feel free to take those figures with a grain of salt because they may differ from what you've already been contributing given the amount that you've already increased.","start":454.91998,"end":463.41998,"sentiment":"neutral","sentiment_score":0.008400578002788518},{"text":"So always double check your myGov to make sure that you're not exceeding that 30,000.","start":464.11502,"end":468.935,"sentiment":"neutral","sentiment_score":0.10836928784847259},{"text":"And then we're recommending you apply for life total permanent disability and income protection with the insurer called ClearView paid for that Netwealth account much like your.","start":469.55502,"end":478.935,"sentiment":"positive","sentiment_score":0.34160351090961033}],"sentiment":"neutral","sentiment_score":0.1949693081981462,"num_words":161,"start":439.155,"end":478.935},{"sentences":[{"text":"Can you Yep.","start":483.35,"end":508.42,"sentiment":"neutral","sentiment_score":0.0008897716179490095},{"text":"So the the considered part was always his super insurance and salary sacrifice, which we are addressing in this piece.","start":508.42,"end":515.46,"sentiment":"neutral","sentiment_score":-0.002315143682062626},{"text":"And then that section below that, there is a limited advice warning as well to tell you that, basically, the areas that we're addressing is just that super insurance and the also the salary sacrifice.","start":515.46,"end":526.335,"sentiment":"neutral","sentiment_score":-0.06654838025569916},{"text":"The rest of the areas, we're just accountability partners for, basically.","start":526.335,"end":529.215,"sentiment":"neutral","sentiment_score":0.0393807976083322},{"text":"We're aware of your goals, but we haven't put any strategies in place in regards to that, if that makes sense.","start":529.215,"end":535.07,"sentiment":"neutral","sentiment_score":0.049306556227661315}],"sentiment":"neutral","sentiment_score":-0.010046671258492602,"num_words":90,"start":483.35,"end":535.07},{"sentences":[{"text":"Perfect.","start":537.05,"end":537.55,"sentiment":"positive","sentiment_score":0.4734376072883606},{"text":"On page eight there, you'll be able to see just the about you section.","start":538.41,"end":541.93,"sentiment":"neutral","sentiment_score":0.2022958802325385},{"text":"That'll just have your details there as well.","start":541.93,"end":544.245,"sentiment":"neutral","sentiment_score":0.17828019487205893},{"text":"So feel free to double check those, make sure that's all accurate and up to date.","start":544.645,"end":548.325,"sentiment":"neutral","sentiment_score":0.2606477439403534},{"text":"Same with the next page over.","start":548.325,"end":549.445,"sentiment":"neutral","sentiment_score":0.11200591549277306}],"sentiment":"neutral","sentiment_score":0.21276046412272587,"num_words":45,"start":537.05,"end":549.445},{"sentences":[{"text":"You'll be able to see your assets and liabilities as well.","start":549.445,"end":552.665,"sentiment":"neutral","sentiment_score":0.09791882065209476},{"text":"Perfect.","start":580.76495,"end":581.26495,"sentiment":"positive","sentiment_score":0.4563431739807129},{"text":"Yeah.","start":581.64496,"end":581.88495,"sentiment":"neutral","sentiment_score":0.24573245644569397},{"text":"Next page, there will be those assets and liabilities, and I understand some of those may have changed just a little bit given the timeline, but they should be largely accurate.","start":581.88495,"end":590.10004,"sentiment":"neutral","sentiment_score":0.16138200485898602},{"text":"It won't affect the advice piece much at all.","start":590.10004,"end":592.28,"sentiment":"neutral","sentiment_score":0.15460195309585995}],"sentiment":"neutral","sentiment_score":0.15421589407718406,"num_words":53,"start":549.445,"end":592.28},{"sentences":[{"text":"So from that as well, the page over to page 10 there, you'll be able to see your current position, your net wealth account, and then the insurances you do hold with the life CPD and income protection there and the price you do pay for those.","start":592.42004,"end":604.165,"sentiment":"neutral","sentiment_score":0.16723320601468392},{"text":"So it was creeping up there.","start":604.165,"end":605.125,"sentiment":"neutral","sentiment_score":-0.2864064599076907},{"text":"I know you wanted to review that.","start":605.125,"end":606.665,"sentiment":"neutral","sentiment_score":-0.16034313078437532},{"text":"Now getting on to page 11 there, Zoran, you'll notice that there is a risk profile.","start":608.645,"end":613.42004,"sentiment":"neutral","sentiment_score":-0.01858038254431449},{"text":"You score that high growth.","start":613.42004,"end":614.62006,"sentiment":"neutral","sentiment_score":0.037553086131811145}],"sentiment":"neutral","sentiment_score":0.06061233725559748,"num_words":81,"start":592.42004,"end":614.62006},{"sentences":[{"text":"You'll still be invested in that high growth, that ninety ten split.","start":614.62006,"end":617.92004,"sentiment":"neutral","sentiment_score":0.132028358678023},{"text":"Moving forward, given the time horizon that you do have till retirement and the active sort of portion that you want to have towards growth there.","start":618.38,"end":625.77496,"sentiment":"neutral","sentiment_score":0.11189847324903195},{"text":"Are you still comfortable with that, Darren, being a high growth investor?","start":626.795,"end":629.695,"sentiment":"neutral","sentiment_score":0.1585402407993873},{"text":"Yeah.","start":672.2,"end":672.44,"sentiment":"neutral","sentiment_score":-0.2119046151638031},{"text":"No.","start":672.44,"end":672.68005,"sentiment":"neutral","sentiment_score":-0.1507620066404343}],"sentiment":"neutral","sentiment_score":0.11602917069999072,"num_words":52,"start":614.62006,"end":672.68005},{"sentences":[{"text":"I completely understand where you're coming from in regards to that.","start":672.68005,"end":675.335,"sentiment":"neutral","sentiment_score":0.013049744069576263},{"text":"So, obviously, I can't, like, sort of justify what happened previously to me because I wasn't the adviser that reckon yeah.","start":675.335,"end":682.295,"sentiment":"neutral","sentiment_score":-0.28114090363184613},{"text":"No.","start":682.295,"end":682.795,"sentiment":"neutral","sentiment_score":-0.20744219422340393},{"text":"Yeah.","start":682.855,"end":683.015,"sentiment":"neutral","sentiment_score":-0.1063435524702072},{"text":"I understand, sir.","start":683.015,"end":683.895,"sentiment":"neutral","sentiment_score":-0.09069025019804637}],"sentiment":"neutral","sentiment_score":-0.17152076456192378,"num_words":37,"start":672.68005,"end":683.895},{"sentences":[{"text":"Like yeah.","start":683.895,"end":691.37,"sentiment":"neutral","sentiment_score":-0.11726143211126329},{"text":"Yes.","start":716.25995,"end":716.75995,"sentiment":"neutral","sentiment_score":-0.04876155033707619},{"text":"So yeah.","start":716.98,"end":717.38,"sentiment":"neutral","sentiment_score":-0.06022552773356438},{"text":"I understand what you're you're saying there, Zoran.","start":717.38,"end":719.38,"sentiment":"neutral","sentiment_score":-0.026944075245410204},{"text":"So as like I was saying, sorry.","start":719.38,"end":721.31995,"sentiment":"neutral","sentiment_score":-0.09310722244637352}],"sentiment":"neutral","sentiment_score":-0.06355193145573139,"num_words":20,"start":683.895,"end":721.31995},{"sentences":[{"text":"In regards to the conversation that occurred previously, I can't sort of, like, because that between you and the adviser that had those conversations.","start":721.45996,"end":727.84503,"sentiment":"neutral","sentiment_score":-0.1183376085634033},{"text":"If I was just saying anything, it would obviously just be you know, I can generalize in terms of that.","start":727.985,"end":733.025,"sentiment":"neutral","sentiment_score":-0.16229598000645637},{"text":"So with in regards to if you wanted, like, active management to try and outperform that market, you can have a lot more management risk when going down that route.","start":733.025,"end":742.54,"sentiment":"neutral","sentiment_score":-0.1855960654715697},{"text":"Like you said, you're a bit more one eggs all eggs in one basket sort of thing in terms of that active managed risk.","start":742.54,"end":747.83997,"sentiment":"neutral","sentiment_score":-0.12900210513422886},{"text":"Now in terms of high growth itself, it doesn't mean that you have to carry that manager risk, which is what we're moving away from or I was moving away there from you given what occurred and what was happening there.","start":748.06,"end":759.565,"sentiment":"neutral","sentiment_score":-0.1539546017784898}],"sentiment":"neutral","sentiment_score":-0.15152585155350698,"num_words":139,"start":721.45996,"end":759.565},{"sentences":[{"text":"So with that one there, I am looking at removing the active portion entirely.","start":759.565,"end":764.305,"sentiment":"neutral","sentiment_score":-0.05833774246275425},{"text":"So even then, you do have a 30% weighting there as well, but that's for the S and P 500, which is the index, the top.","start":764.445,"end":772.27,"sentiment":"neutral","sentiment_score":0.04581006071888483},{"text":"There is yep.","start":772.89,"end":774.41,"sentiment":"neutral","sentiment_score":0.10054695854584376},{"text":"So with that as well, so you'll have the 35% in that key index fund, and then you'll have 25% another index fund in Australia.","start":774.41,"end":781.69495,"sentiment":"neutral","sentiment_score":0.09932876765727996},{"text":"So you'll still have a large percentage weighing in the core of your portfolio, but that's not an active management moving forward.","start":781.915,"end":787.855,"sentiment":"neutral","sentiment_score":-0.22021086006001991}],"sentiment":"neutral","sentiment_score":-0.01872717411153846,"num_words":90,"start":759.565,"end":787.855},{"sentences":[{"text":"Now I understand that what happened previously, you're not too happy with that with that moving forward.","start":788.235,"end":793.83496,"sentiment":"negative","sentiment_score":-0.5122795245226692},{"text":"We're not gonna have any active managed funds.","start":793.83496,"end":795.675,"sentiment":"negative","sentiment_score":-0.35648246482014656},{"text":"We're moving index as we approach moving forward, so you won't have that management risk.","start":795.675,"end":799.98,"sentiment":"neutral","sentiment_score":-0.05017477373282115},{"text":"You'll have a lower investment cost moving forward.","start":799.98,"end":802.48,"sentiment":"neutral","sentiment_score":0.09180720709264278},{"text":"And then the key holding weightings are in the indexes.","start":802.7,"end":806.0,"sentiment":"neutral","sentiment_score":-0.13680105581879615}],"sentiment":"neutral","sentiment_score":-0.22322045073940835,"num_words":58,"start":788.235,"end":806.0},{"sentences":[{"text":"So it would have to be that the S and P 500, that market index was performing badly for your portfolio to be performing badly.","start":806.06,"end":812.45996,"sentiment":"negative","sentiment_score":-0.5749483621120453},{"text":"That's not to say that they've made any sort of bets against the market in that.","start":812.45996,"end":817.64594,"sentiment":"negative","sentiment_score":-0.3873771447688341},{"text":"That just means the market as a whole isn't performing too great for those to not be performing, if that makes sense.","start":817.64594,"end":824.79,"sentiment":"neutral","sentiment_score":-0.31099130619655957},{"text":"Yep.","start":833.11,"end":833.61,"sentiment":"neutral","sentiment_score":-0.1690484583377838},{"text":"Yep.","start":849.445,"end":849.81,"sentiment":"neutral","sentiment_score":-0.2652212083339691}],"sentiment":"negative","sentiment_score":-0.42842802726305446,"num_words":65,"start":806.06,"end":849.81},{"sentences":[{"text":"Yes.","start":872.22504,"end":872.545,"sentiment":"neutral","sentiment_score":-0.15199702978134155},{"text":"So so Yeah.","start":872.545,"end":901.36005,"sentiment":"neutral","sentiment_score":-0.13958151762684187},{"text":"So as a and a minimum, generally, there's on it's like, during those annual reviews, they go over the performance in your portfolio.","start":907.66003,"end":914.725,"sentiment":"neutral","sentiment_score":0.08291195446382398},{"text":"I do apologize if that's not what you've received previously or the people that you have spoken to previously haven't given you the insights on what was actually happening with those investments.","start":914.725,"end":924.665,"sentiment":"neutral","sentiment_score":-0.28497569635510445},{"text":"Obviously, you know, I've come to the domain.","start":924.725,"end":927.17,"sentiment":"neutral","sentiment_score":-0.06215895013883709}],"sentiment":"neutral","sentiment_score":-0.12358597782787992,"num_words":67,"start":872.22504,"end":927.17},{"sentences":[{"text":"I've I've pointed out, you know, things previously that you may have not been told.","start":927.17,"end":932.77,"sentiment":"neutral","sentiment_score":-0.1171839085717996},{"text":"So I do apologize for for being fair of bad news.","start":932.77,"end":936.37,"sentiment":"neutral","sentiment_score":-0.22194591774181885},{"text":"But, obviously, moving forward, I'm trying to put you in a position to, obviously, to to grow there and give you, like, the full spread of what's actually happening within your superannuation, which every 12 months, they're meant to be going over the portfolio itself, giving you a bit of a rundown of what's happening.","start":936.37,"end":952.665,"sentiment":"positive","sentiment_score":0.33859681473536923},{"text":"Obviously, as I said, it's been a long that has been slightly under performing, but not to a point where, you know, you might give up on it.","start":952.725,"end":958.55005,"sentiment":"negative","sentiment_score":-0.35764410878930775},{"text":"Obviously, they're long term convictions generally.","start":958.55005,"end":961.13,"sentiment":"neutral","sentiment_score":-0.33036312460899353}],"sentiment":"neutral","sentiment_score":0.02110823733003243,"num_words":115,"start":927.17,"end":961.13},{"sentences":[{"text":"It's only until that corporate traveler that they've decided that they don't have conviction in that moving forward for this, obviously, investing in those high growth portfolios, that eight to ten year time frames.","start":961.43005,"end":972.32495,"sentiment":"neutral","sentiment_score":-0.23717926530277028},{"text":"Like you said, with things like COVID and that, there were those sort of mixed years.","start":972.32495,"end":975.70496,"sentiment":"neutral","sentiment_score":-0.2387485560029745},{"text":"And then with the portfolio construction previously, as I said, it comes down to the discussion you did have with your adviser when going into those funds.","start":977.125,"end":985.82,"sentiment":"neutral","sentiment_score":-0.06434583594953572},{"text":"So I can't I'm not gonna just make something up to try and justify it.","start":985.82,"end":990.0,"sentiment":"neutral","sentiment_score":-0.25219031274318693},{"text":"But just generally in terms of, like, going that if you want those high risk, high returns, you know, trying to bet a bit more to try and outperform that market, that is the risk you take.","start":990.38,"end":1000.775,"sentiment":"neutral","sentiment_score":-0.08541518857551587}],"sentiment":"neutral","sentiment_score":-0.1594157066311716,"num_words":129,"start":961.43005,"end":1000.775},{"sentences":[{"text":"Whereas moving forward from what you've, like, told me and what you wanna achieve and the level of risk that you do wanna hold, we're looking at removing that active portion and then just having a higher allocation still to those growth assets, but not trying to out so the yes.","start":1000.775,"end":1021.74,"sentiment":"neutral","sentiment_score":-0.010061873269139552},{"text":"Sorry.","start":1021.74,"end":1022.14,"sentiment":"neutral","sentiment_score":-0.00671754777431488},{"text":"The the active portion, like, the active managed funds like that, Benelon, you have a fund manager trying to outperform the market.","start":1022.14,"end":1028.665,"sentiment":"neutral","sentiment_score":0.08793299780650572},{"text":"Whereas index is just like if you have the S and P 500, it's the top 500 companies in America.","start":1029.125,"end":1036.025,"sentiment":"neutral","sentiment_score":0.07735327910631895},{"text":"Now if a company gets bigger, it can go up into the 500 and make its way in, which means it's part of the investments that you hold.","start":1036.485,"end":1043.8164,"sentiment":"neutral","sentiment_score":0.10704385775274464}],"sentiment":"neutral","sentiment_score":0.048843823495458384,"num_words":122,"start":1000.775,"end":1043.8164},{"sentences":[{"text":"If it does poorly, it falls out of that top 500, which means you don't have that investment as well.","start":1043.8164,"end":1049.1415,"sentiment":"neutral","sentiment_score":-0.21101196855306625},{"text":"Now it's it's still, like, kinda fluid in that sense that it is adjusting to the companies that make it in and out of that 500, where a fund manager will depending on how they view sort of success and growth, whether it be valued or profit driven, they will be just select picking certain funds and certain companies, not just dependent on size or market value to see if they can outperform that, get those higher returns.","start":1049.1415,"end":1075.3099,"sentiment":"neutral","sentiment_score":0.12198867749136227},{"text":"Basically, you're essentially trying to pick the winners and losers out of a bunch, and that's what your fund that you were in was trying to obviously pick the winners and losers and try and make a higher return.","start":1075.7699,"end":1088.785,"sentiment":"neutral","sentiment_score":0.117882846448666},{"text":"Now since COVID, they haven't been doing fantastic, and they had that corporate traveler which caused them to really go downhill.","start":1089.245,"end":1096.2251,"sentiment":"negative","sentiment_score":-0.3724572527266684},{"text":"But that is that management risk that I was talking about, and that's active management within that with that managed fund trying to outperform that market.","start":1097.165,"end":1100.545,"sentiment":"neutral","sentiment_score":-0.16628943333545557}],"sentiment":"neutral","sentiment_score":-0.01224358200662486,"num_words":184,"start":1043.8164,"end":1100.545},{"sentences":[{"text":"A it's a bit less of a a gamble as they like they say, because you're not sort of trying to outperform it.","start":1109.5276,"end":1123.1951,"sentiment":"neutral","sentiment_score":-0.12872182027153348},{"text":"You're just trying to follow what the markets are doing.","start":1123.1951,"end":1125.435,"sentiment":"neutral","sentiment_score":0.1266543712466955},{"text":"And with index investing, it comes at a lower cost and that the markets are doing good, your investments are doing good.","start":1125.435,"end":1130.635,"sentiment":"positive","sentiment_score":0.3875918130983006},{"text":"If the markets are stalling just a little bit, it may not see as much growth because you're not trying to outperform it.","start":1130.635,"end":1136.63,"sentiment":"negative","sentiment_score":-0.43754280714885047},{"text":"You're not picking the few winners in those downturn sort of times as the market as a whole.","start":1136.63,"end":1140.7301,"sentiment":"negative","sentiment_score":-0.4137326975663503}],"sentiment":"neutral","sentiment_score":-0.11122616027326633,"num_words":96,"start":1109.5276,"end":1140.7301},{"sentences":[{"text":"But it does see a little bit less volatility like what occurred previously with your fund there, if that makes sense.","start":1141.3501,"end":1149.015,"sentiment":"neutral","sentiment_score":-0.0660307893440837},{"text":"Yep.","start":1162.215,"end":1162.5,"sentiment":"neutral","sentiment_score":0.017767392098903656},{"text":"Yep.","start":1173.46,"end":1173.86,"sentiment":"neutral","sentiment_score":0.06924934685230255},{"text":"So that would be accepting loss.","start":1173.86,"end":1175.78,"sentiment":"neutral","sentiment_score":-0.04766542464494705},{"text":"So with that update there as well, we would be looking at removing a few investments there and adding a few investments and removing that Benelung there.","start":1175.78,"end":1185.5651,"sentiment":"neutral","sentiment_score":-0.07176749946342574}],"sentiment":"neutral","sentiment_score":-0.06291687269029873,"num_words":56,"start":1141.3501,"end":1185.5651},{"sentences":[{"text":"So the other option, like I stated previously, is to leave it and see how they rebound, but the company as a whole is saying to move away from Bennelong just given the circumstances and given the economic outlooks of the the fund.","start":1185.7051,"end":1199.12,"sentiment":"neutral","sentiment_score":-0.20007495512796003},{"text":"Now that's yep.","start":1199.42,"end":1202.7201,"sentiment":"neutral","sentiment_score":-0.1455419808626175},{"text":"The the investment committee has made a decision that they will be moving away from that fund as it sees fit, like, in terms of clients coming up for their annual reviews.","start":1203.5801,"end":1211.605,"sentiment":"neutral","sentiment_score":-0.22831670683808625},{"text":"Now, obviously, at the end of the day, it is your decision whether or not you wanna move out and crystallize that loss because for you, it's more than most with that higher allocation that you've stated previously, and then waiting to see how they do recover or taking that loss and crystallizing it and just moving forward, from that.","start":1211.9049,"end":1228.725,"sentiment":"neutral","sentiment_score":-0.05044861204078188},{"text":"I'll I'll generate a port from inception and see what it's down since inception.","start":1242.405,"end":1249.12,"sentiment":"neutral","sentiment_score":-0.012275645176747016}],"sentiment":"neutral","sentiment_score":-0.12858394333440964,"num_words":152,"start":1185.7051,"end":1249.12},{"sentences":[{"text":"No.","start":1261.515,"end":1261.755,"sentiment":"neutral","sentiment_score":-0.03124423325061798},{"text":"It's not a problem at all.","start":1261.755,"end":1263.215,"sentiment":"neutral","sentiment_score":-0.06679674796760082},{"text":"Yeah.","start":1264.875,"end":1265.275,"sentiment":"neutral","sentiment_score":0.00244903564453125},{"text":"No.","start":1265.275,"end":1265.775,"sentiment":"neutral","sentiment_score":-0.17990204691886902},{"text":"I can no.","start":1265.9149,"end":1280.41,"sentiment":"neutral","sentiment_score":-0.29803165296713513}],"sentiment":"neutral","sentiment_score":-0.1252977242693305,"num_words":12,"start":1261.515,"end":1280.41},{"sentences":[{"text":"It's not a problem at all, Zoran.","start":1280.41,"end":1281.69,"sentiment":"neutral","sentiment_score":-0.08962256887129375},{"text":"Like, that's that's our job at the end of the day.","start":1281.69,"end":1283.45,"sentiment":"neutral","sentiment_score":-0.18161184272982858},{"text":"I I feel bad.","start":1283.45,"end":1284.635,"sentiment":"negative","sentiment_score":-0.4961633160710335},{"text":"It's sort of that I'm the one throwing all the information at you when it's sort of been, like, a bit of a slower drip feed for you, and then you've probably been across it a little bit more.","start":1284.635,"end":1292.875,"sentiment":"neutral","sentiment_score":-0.32728375781040925},{"text":"So I do apologize for that.","start":1292.875,"end":1294.495,"sentiment":"neutral","sentiment_score":-0.2100765531261762}],"sentiment":"neutral","sentiment_score":-0.2781233938772287,"num_words":67,"start":1280.41,"end":1294.495},{"sentences":[{"text":"Now in terms of since inception, bear with me here.","start":1295.9149,"end":1302.08,"sentiment":"neutral","sentiment_score":-0.03803986851125955},{"text":"So the reason you had such a high allocation too is I can see here that there was previously two separated funds.","start":1302.08,"end":1310.16,"sentiment":"neutral","sentiment_score":-0.08122487027536739},{"text":"So you had the Benelon Australian equities fund and a concentrated equities fund.","start":1310.16,"end":1314.34,"sentiment":"neutral","sentiment_score":-0.09214927428043805},{"text":"And then with that, it seems at some point, either one fund's closed or it's consolidated, and it's just become the one investment there.","start":1314.615,"end":1323.835,"sentiment":"neutral","sentiment_score":-0.13644188021620116},{"text":"Now with that as a whole, in terms of the negative returns since inception, so Benelon Australian Equities was sitting at a negative 6.77 since inception.","start":1324.535,"end":1336.7593,"sentiment":"neutral","sentiment_score":-0.3232463300228119}],"sentiment":"neutral","sentiment_score":-0.158361011606298,"num_words":95,"start":1295.9149,"end":1336.7593},{"sentences":[{"text":"So it's looking at around a seven looking at.","start":1336.7593,"end":1349.125,"sentiment":"neutral","sentiment_score":-0.17091059850321877},{"text":"Yeah.","start":1377.695,"end":1378.1749,"sentiment":"neutral","sentiment_score":-0.0233636274933815},{"text":"Seems in that since inception, the report there, so that may differ slightly.","start":1378.1749,"end":1382.46,"sentiment":"neutral","sentiment_score":-0.07588851308593383},{"text":"So in terms of, like, the dollar figure, it went up and down in the thing.","start":1382.46,"end":1385.5,"sentiment":"neutral","sentiment_score":-0.07930818549357355},{"text":"It's close to, like, a $25,000, like, movement, which is what you're you're seeing there.","start":1385.5,"end":1392.315,"sentiment":"neutral","sentiment_score":0.05198816334207853}],"sentiment":"neutral","sentiment_score":-0.056244781516768316,"num_words":54,"start":1336.7593,"end":1392.315},{"sentences":[{"text":"Now with that, obviously, some of that comes like you had some, like, growth in there, and then it's gone backwards as well.","start":1392.715,"end":1398.955,"sentiment":"neutral","sentiment_score":-0.15182960033416748},{"text":"So that looks like you've lost a lot more in terms of, like, the up and the down.","start":1398.955,"end":1403.215,"sentiment":"negative","sentiment_score":-0.37748077594571644},{"text":"And like you said, with the the amount of money you put in, that's also going towards, like, those things like fees and as well in terms of that.","start":1403.5149,"end":1410.55,"sentiment":"neutral","sentiment_score":-0.2333636124586237},{"text":"So, yeah, it did make quite a poor return in terms of that going down.","start":1410.55,"end":1414.87,"sentiment":"negative","sentiment_score":-0.6269225656986237},{"text":"Now that's not the loss over the past twelve months that you have to understand as well since inception.","start":1414.87,"end":1420.975,"sentiment":"neutral","sentiment_score":-0.28996328931105764}],"sentiment":"neutral","sentiment_score":-0.30737904344613737,"num_words":104,"start":1392.715,"end":1420.975},{"sentences":[{"text":"So in terms of loss in the last twelve months, it's probably closer to 25,000 in terms of, like, the the down, which is why it's gone backwards so far.","start":1421.115,"end":1431.035,"sentiment":"neutral","sentiment_score":-0.14699937949577968},{"text":"But in terms of, like, the growth out of Benelon that it's had since you've held it and then the backwards step, that's closer to, like, net $77,000, if that makes sense.","start":1431.035,"end":1441.37,"sentiment":"neutral","sentiment_score":0.0554612900596112},{"text":"Like, you're looking across the time since you've been onboard versus the last twelve months.","start":1441.37,"end":1445.715,"sentiment":"neutral","sentiment_score":0.03383628688752651},{"text":"And Dollar Figure in the last twelve months, probably looking at close to, like, a 25 backwards return in in terms of, like, that's why it looks so, like, bad.","start":1445.7949,"end":1455.495,"sentiment":"neutral","sentiment_score":-0.002309828530997038},{"text":"All because of Dan along all the the other investments.","start":1458.275,"end":1461.015,"sentiment":"neutral","sentiment_score":-0.0005651455372571945}],"sentiment":"neutral","sentiment_score":-0.01882583000816596,"num_words":117,"start":1421.115,"end":1461.015},{"sentences":[{"text":"Like, Hack has gone backwards a little bit and turns to, like, it's still up from where it was.","start":1462.14,"end":1468.14,"sentiment":"neutral","sentiment_score":-0.06491436221097645},{"text":"Like, it's a bit of a market correction, which has caused it to go backwards a little bit, but that's not to be concerned.","start":1468.14,"end":1473.6001,"sentiment":"neutral","sentiment_score":-0.09247618059938152},{"text":"Like, they're looking at keeping hack.","start":1473.8201,"end":1476.405,"sentiment":"neutral","sentiment_score":0.19174798826376596},{"text":"They have high conviction in hack, and it will be in your portfolio moving forward, so you wouldn't be crystallizing that loss.","start":1476.405,"end":1481.9451,"sentiment":"neutral","sentiment_score":0.2766287282786586},{"text":"Okay.","start":1482.645,"end":1483.125,"sentiment":"neutral","sentiment_score":0.12556153535842896}],"sentiment":"neutral","sentiment_score":0.054292781537191734,"num_words":72,"start":1462.14,"end":1483.125},{"sentences":[{"text":"It's purely the Benelong that you're looking at crystallizing that loss in?","start":1483.125,"end":1501.8301,"sentiment":"neutral","sentiment_score":0.13303360529243946},{"text":"As, like, from, like, the the return you did lose, but in terms of, like, the money you've put into it and then the return it's gotten, it's, like, closer to, like, a $7,500 loss from the investment, but that's over the course of you being on board.","start":1501.8301,"end":1515.075,"sentiment":"neutral","sentiment_score":-0.17663143893393377},{"text":"But, yeah, in terms of, like, the backwards step that occurred recently, it's like a $2,025,000 dollar, like, change.","start":1515.075,"end":1525.2001,"sentiment":"neutral","sentiment_score":-0.1145367167497936},{"text":"Yeah.","start":1546.8899,"end":1547.21,"sentiment":"neutral","sentiment_score":-0.021615754812955856},{"text":"And that's part of what I'd originally suggest is, like, you can wait that three to six months and see how it tracks and how it returns.","start":1547.21,"end":1555.115,"sentiment":"neutral","sentiment_score":0.07971702405699978}],"sentiment":"neutral","sentiment_score":-0.06474167783962231,"num_words":107,"start":1483.125,"end":1555.115},{"sentences":[{"text":"We can keep a bit more of an eye and do sort of three month follow ups to see if you recoup some of that losses before making the change.","start":1555.115,"end":1560.975,"sentiment":"neutral","sentiment_score":0.10439269393682479},{"text":"But at the end of the day, I know sort of when we had the conversations, you just wanted, you know, you I'm sorry.","start":1562.875,"end":1568.6699,"sentiment":"neutral","sentiment_score":-0.14966053950289884},{"text":"So you're a little bit more worked out than you are now, and you wanted to just look at getting rid of it and doing something about it now, which is why I put something together that does exclude that.","start":1568.6699,"end":1576.6699,"sentiment":"neutral","sentiment_score":-0.3300237987190485},{"text":"But if you decide that you wanna postpone this and hold off a few months there as well, and even if you did sign it and say hold implementation for three to six months until I say yes, that's an option there for you is to there's our yeah.","start":1576.6699,"end":1590.785,"sentiment":"neutral","sentiment_score":-0.051108090549099205},{"text":"We never wanna say, like, sell low, buy high.","start":1590.785,"end":1593.2051,"sentiment":"neutral","sentiment_score":-0.2293400698237949}],"sentiment":"neutral","sentiment_score":-0.11993013910557095,"num_words":152,"start":1555.115,"end":1593.2051},{"sentences":[{"text":"But in your case, it's a little bit more extreme than others because, one, it's the funds that was affected not in the sense of the market itself, but an underlying investment.","start":1593.905,"end":1602.76,"sentiment":"neutral","sentiment_score":-0.3065778461750597},{"text":"And then, two, it's quite a significant portion for you.","start":1602.76,"end":1606.22,"sentiment":"neutral","sentiment_score":-0.23842076808214188},{"text":"So there's a few people I've had a similar discussion with, and they've chosen to wait that three to six months.","start":1627.27,"end":1631.925,"sentiment":"neutral","sentiment_score":-0.1387260105638277},{"text":"As I said, as a company, we are like, they've decided to move away from it just from their economic outlook of the fund.","start":1632.245,"end":1637.7051,"sentiment":"neutral","sentiment_score":-0.2985060401260853},{"text":"But even if you were to wait that three to six months, you could be foregoing potential gains in another investment, or you could be sort of, you know, hurting yourself and it not moving much of the way anyway.","start":1638.4851,"end":1649.09,"sentiment":"negative","sentiment_score":-0.46659716926515105}],"sentiment":"neutral","sentiment_score":-0.3223305253062661,"num_words":127,"start":1593.905,"end":1649.09},{"sentences":[{"text":"Or it could rebound and you could get some of those losses.","start":1649.7899,"end":1652.35,"sentiment":"negative","sentiment_score":-0.5002140154441198},{"text":"So it's sort of like even if it rebounded, like, sort of three to 4%, if you got that in another investment, you're sort of not really losing much because you're growing somewhere else.","start":1652.35,"end":1661.505,"sentiment":"negative","sentiment_score":-0.3549020167659311},{"text":"Whereas if it sorta stays stagnant too, given the the economic outlook of the fund, you could potentially lose out on potential growth even if it doesn't, perform too fantastic.","start":1661.745,"end":1672.805,"sentiment":"negative","sentiment_score":-0.6149512320756912},{"text":"So that's that's sort of your choice in regards to that one.","start":1675.585,"end":1678.4401,"sentiment":"neutral","sentiment_score":-0.24345621963342032},{"text":"Obviously, I made the recommendation of what you told me previously just to move away from it.","start":1678.4401,"end":1682.12,"sentiment":"neutral","sentiment_score":-0.2143285037840114}],"sentiment":"negative","sentiment_score":-0.4103126944530578,"num_words":105,"start":1649.7899,"end":1682.12},{"sentences":[{"text":"But like you said, it is quite a large portion for you in terms of that.","start":1682.12,"end":1686.28,"sentiment":"neutral","sentiment_score":-0.08894731849431992},{"text":"But in saying that if you put that what is remaining left in that fund somewhere else, you could be getting better returns because it is quite a the switch there and then, like, the loss you did make on Bennelong, it works out that I believe the the capital gains with the switch in investments that we did do, it doesn't work out to be a whole heap because it carries some of that forward.","start":1686.28,"end":1720.27,"sentiment":"neutral","sentiment_score":-0.01386711084725041},{"text":"I'll just see bear with me two seconds where it is.","start":1720.27,"end":1723.635,"sentiment":"neutral","sentiment_score":0.022124603898687797},{"text":"Sorry.","start":1723.635,"end":1723.7151,"sentiment":"neutral","sentiment_score":-0.1223888248205185},{"text":"I'm jumping around this advice piece a little bit.","start":1723.7151,"end":1725.895,"sentiment":"neutral","sentiment_score":-0.12234680520163642}],"sentiment":"neutral","sentiment_score":-0.030594663265927705,"num_words":113,"start":1682.12,"end":1725.895},{"sentences":[{"text":"Yeah.","start":1727.3151,"end":1727.7151,"sentiment":"neutral","sentiment_score":0.08999645709991455},{"text":"So the the cost of changing up the investments works out to be around $540 with the loss you'd be taking forward.","start":1727.7151,"end":1734.2151,"sentiment":"neutral","sentiment_score":-0.08993551101196896},{"text":"And then so which isn't huge.","start":1734.5951,"end":1737.2799,"sentiment":"neutral","sentiment_score":-0.15648909409840903},{"text":"It would have been, like, in the thousands if Benelon was up, if that makes sense, to make that adjustment.","start":1737.2799,"end":1742.82,"sentiment":"neutral","sentiment_score":-0.02263643015176058},{"text":"Yeah.","start":1744.72,"end":1745.22,"sentiment":"neutral","sentiment_score":0.05531293898820877}],"sentiment":"neutral","sentiment_score":-0.06449870027601719,"num_words":50,"start":1727.3151,"end":1745.22},{"sentences":[{"text":"Yeah.","start":1746.1599,"end":1746.5599,"sentiment":"neutral","sentiment_score":0.04651661962270737},{"text":"So it's the loss you sort of take now versus potential gains for the future.","start":1746.5599,"end":1750.3251,"sentiment":"neutral","sentiment_score":-0.06025785719975829},{"text":"But like any sort of recommendation, the returns are the one things that aren't guaranteed.","start":1750.3251,"end":1754.665,"sentiment":"neutral","sentiment_score":-0.136672738691171},{"text":"Like I said, with the, you know, the crystal ball, like you said, no one knows what is going to happen.","start":1755.525,"end":1760.405,"sentiment":"neutral","sentiment_score":-0.15053075410070874},{"text":"But as a company, I can only know the investment direction is to move away from Better Long.","start":1760.405,"end":1764.17,"sentiment":"neutral","sentiment_score":-0.1414974240793122}],"sentiment":"neutral","sentiment_score":-0.12307916840405336,"num_words":70,"start":1746.1599,"end":1764.17},{"sentences":[{"text":"But if you decide you do wanna hold that for that three to six months, there's no no harm in that as well if you do feel like it is gonna make a return.","start":1764.17,"end":1772.91,"sentiment":"neutral","sentiment_score":0.24148890726706562},{"text":"It did come back a few percent, and then it dipped it, like, again in terms of that one.","start":1773.53,"end":1777.955,"sentiment":"neutral","sentiment_score":0.0882858372612023},{"text":"And I'll just double check where it's at now, so bear with me.","start":1778.735,"end":1783.155,"sentiment":"neutral","sentiment_score":0.05358336235468204},{"text":"So and it took another dip today, actually.","start":1795.55,"end":1798.51,"sentiment":"neutral","sentiment_score":-0.22586940228939056},{"text":"So with the the three month outlook, so when it went down in November there, it kinda hit a trough around that December, Jan.","start":1798.51,"end":1806.445,"sentiment":"neutral","sentiment_score":-0.17873867166539034}],"sentiment":"neutral","sentiment_score":0.04579545027928009,"num_words":98,"start":1764.17,"end":1806.445},{"sentences":[{"text":"It came back a little bit in terms of, like, returning, and it was sitting around, like, a a negative five, and then it's dipped back down towards, like, a a negative 11 since that November crash in terms of, like, percentage returns.","start":1806.445,"end":1822.8401,"sentiment":"neutral","sentiment_score":-0.23502432450998662},{"text":"And the year to date, it did come back, as I said, a few percent, but then now it's it's taken another dip for the fund.","start":1822.8401,"end":1829.02,"sentiment":"neutral","sentiment_score":-0.20574032945128587},{"text":"Like, you would be putting like, it would be allocating it per the original recommendation, which would given that it is down putting money into Benelon, which would in turn yeah.","start":1843.9751,"end":1853.5,"sentiment":"neutral","sentiment_score":-0.120611717984561},{"text":"They keep a dollar figure would be going back yeah.","start":1853.5,"end":1856.4,"sentiment":"neutral","sentiment_score":-0.09202396050095558},{"text":"If it was to keep continuing to go backwards.","start":1856.86,"end":1859.28,"sentiment":"neutral","sentiment_score":-0.1758319834868113}],"sentiment":"neutral","sentiment_score":-0.18232760700483283,"num_words":119,"start":1806.445,"end":1859.28},{"sentences":[{"text":"Yep.","start":1873.375,"end":1873.8551,"sentiment":"neutral","sentiment_score":0.059007272124290466},{"text":"So as I said, Zoran, feel free to have a a good read through it.","start":1873.8551,"end":1877.3201,"sentiment":"neutral","sentiment_score":0.17191061576207478},{"text":"It's valid for for thirty days, and then it's valid for another, like, thirty after that as long as none of your details have changed.","start":1877.3201,"end":1884.9401,"sentiment":"neutral","sentiment_score":0.08211888328194618},{"text":"So feel free to even take that thirty days, read through it, see how it is tracking.","start":1885.56,"end":1890.085,"sentiment":"neutral","sentiment_score":0.20929190428817973},{"text":"You do have a link to all the investments in the recommended portfolio in the appendix as well.","start":1890.085,"end":1895.705,"sentiment":"neutral","sentiment_score":0.2415878035955959}],"sentiment":"neutral","sentiment_score":0.16575238721347169,"num_words":76,"start":1873.375,"end":1895.705},{"sentences":[{"text":"You can even have a little look at those, see how you feel about them.","start":1895.765,"end":1898.805,"sentiment":"neutral","sentiment_score":0.0830522728463014},{"text":"I know sort of, you know, it feels like you've been burned a a little bit with what happened with the Benelon side of things.","start":1898.805,"end":1903.88,"sentiment":"neutral","sentiment_score":-0.3060110002756119},{"text":"So, you know, get yourself across it a little bit.","start":1904.1,"end":1906.74,"sentiment":"neutral","sentiment_score":-0.05055693611502647},{"text":"Have a look at the past performance of the ones we are recommending.","start":1906.74,"end":1909.48,"sentiment":"neutral","sentiment_score":0.03877594436590488},{"text":"You know, even do your own little bit of research to make sure you are comfortable.","start":1910.1,"end":1913.085,"sentiment":"neutral","sentiment_score":0.003840412013232708}],"sentiment":"neutral","sentiment_score":-0.0803104608402222,"num_words":79,"start":1895.765,"end":1913.085},{"sentences":[{"text":"I don't wanna push you towards anything you don't feel like you understand or aren't comfortable with at the end of the day.","start":1913.085,"end":1917.985,"sentiment":"negative","sentiment_score":-0.4376568846080614},{"text":"Yep.","start":1934.5399,"end":1935.02,"sentiment":"neutral","sentiment_score":0.0035862389486283064},{"text":"So you still you hold the S and P 500 come currently, and it's doing quite well.","start":1935.02,"end":1939.275,"sentiment":"neutral","sentiment_score":0.15395072727080653},{"text":"It does increase that slightly.","start":1939.275,"end":1940.875,"sentiment":"positive","sentiment_score":0.5341591119766236},{"text":"It also puts you in BetaShares Australia two hundred, which is, like, the Benelong switch equivalent, if that makes sense.","start":1940.875,"end":1950.0951,"sentiment":"neutral","sentiment_score":0.2240220084786415}],"sentiment":"neutral","sentiment_score":-0.004456424454198868,"num_words":66,"start":1913.085,"end":1950.0951},{"sentences":[{"text":"So that's an index fund for Australia because Benelong was an Australian equities.","start":1950.555,"end":1954.4299,"sentiment":"neutral","sentiment_score":0.15591859015134665},{"text":"So you would be switching the Bennelong for majority going towards that beta shares Australia two hundred, which again is an index fund for the Australian market.","start":1954.6499,"end":1965.1499,"sentiment":"neutral","sentiment_score":0.2157913981764405},{"text":"You'll have a little bit of exposure in the world excluding The US.","start":1966.01,"end":1970.805,"sentiment":"neutral","sentiment_score":0.04366483682623276},{"text":"In a different fund, you'll have a defensive portion from bank hybrids, and then you'll be removing a couple of other investments and readjusting them slightly, which are all listed on page 16 there.","start":1971.185,"end":1984.0701,"sentiment":"neutral","sentiment_score":0.06957949944497908},{"text":"You can have a little look and see what will be carrying forward, what will be selling down, where that allocation will be going as well.","start":1984.0701,"end":1992.25,"sentiment":"neutral","sentiment_score":0.19714595549381697}],"sentiment":"neutral","sentiment_score":0.1408181427030173,"num_words":113,"start":1950.555,"end":1992.25},{"sentences":[{"text":"It'll also increase your allocation a little bit in gold, so so you'll have a little bit more in your alternatives as well.","start":1992.63,"end":2007.935,"sentiment":"neutral","sentiment_score":0.22466005611678827},{"text":"Yep.","start":2007.935,"end":2008.335,"sentiment":"neutral","sentiment_score":0.1019190400838852},{"text":"So it would still have the same allocation to growth assets.","start":2008.335,"end":2012.17,"sentiment":"neutral","sentiment_score":0.11946703899990428},{"text":"It just wouldn't have that active management in it.","start":2012.17,"end":2015.13,"sentiment":"neutral","sentiment_score":0.05106609811385473},{"text":"So you'd still have around that ninety ten split.","start":2015.13,"end":2017.77,"sentiment":"neutral","sentiment_score":0.1506104494134585}],"sentiment":"neutral","sentiment_score":0.15845899410405248,"num_words":53,"start":1992.63,"end":2017.77},{"sentences":[{"text":"I can even sorta tell you where you are currently as well.","start":2017.77,"end":2022.1101,"sentiment":"neutral","sentiment_score":0.13224086786309877},{"text":"Sorry.","start":2022.89,"end":2023.2101,"sentiment":"neutral","sentiment_score":-0.015527733601629734},{"text":"I'll just scroll down to it.","start":2023.2101,"end":2025.065,"sentiment":"neutral","sentiment_score":-0.017284611240029335},{"text":"So so the when I say ninety ten split, that's 90% in growth assets being high growth, like things like your shares, property, international versus, like, Australian.","start":2027.6849,"end":2037.865,"sentiment":"neutral","sentiment_score":0.05902595962915155},{"text":"And then you'll have, like, your defensive portion, which includes some of your alternatives as well.","start":2037.9249,"end":2042.44,"sentiment":"neutral","sentiment_score":0.07562361122108996}],"sentiment":"neutral","sentiment_score":0.06889247907806308,"num_words":62,"start":2017.77,"end":2042.44},{"sentences":[{"text":"And that's got, you know, things like those bonds I was talking about, and that's, like, things like cash fixed interest that in market turns as well.","start":2043.06,"end":2050.58,"sentiment":"neutral","sentiment_score":0.0782969780266285},{"text":"They just tick along slowly.","start":2050.58,"end":2052.1,"sentiment":"neutral","sentiment_score":0.18641035854816437},{"text":"They don't look to get massive returns, but then they don't lose much value in those economic downturns as well.","start":2052.1,"end":2058.055,"sentiment":"neutral","sentiment_score":0.027102906629443167},{"text":"The alternative asset is that gold.","start":2058.355,"end":2060.035,"sentiment":"neutral","sentiment_score":0.0875383031864961},{"text":"It works as a bit of growth versus defensive in terms of how the markets are going.","start":2060.035,"end":2064.275,"sentiment":"neutral","sentiment_score":0.17832876522751415}],"sentiment":"neutral","sentiment_score":0.09526596213380496,"num_words":75,"start":2043.06,"end":2064.275},{"sentences":[{"text":"You get capital growth out of it, and it is defensive.","start":2064.275,"end":2066.835,"sentiment":"neutral","sentiment_score":0.3308683701536872},{"text":"It holds its value and ticks up slowly as well.","start":2066.835,"end":2069.8901,"sentiment":"positive","sentiment_score":0.5275355577468872},{"text":"So that's why it's an alternative.","start":2069.8901,"end":2071.33,"sentiment":"neutral","sentiment_score":0.3067893510063489},{"text":"It gets a bit of both worlds.","start":2071.33,"end":2072.79,"sentiment":"positive","sentiment_score":0.3489372304507664},{"text":"Yep.","start":2076.29,"end":2076.79,"sentiment":"neutral","sentiment_score":0.08031456172466278}],"sentiment":"positive","sentiment_score":0.37938625514507296,"num_words":35,"start":2064.275,"end":2076.79},{"sentences":[{"text":"It would go down to a growth, and it would be about an eighty eighty twenty split.","start":2084.2449,"end":2089.4648,"sentiment":"neutral","sentiment_score":0.036488628234056866},{"text":"Well, given that even if you retired at 60, you still have nine years in terms of, like, working life.","start":2100.74,"end":2107.78,"sentiment":"neutral","sentiment_score":0.14477557837963104},{"text":"So you have enough time to be, like, in a high growth even for at least the next sort of, you know, six to seven before you're thinking about winding it back leading closer to that retirement years.","start":2107.78,"end":2118.275,"sentiment":"neutral","sentiment_score":0.25649555380407135},{"text":"It just depends on how much growth you're sort of aiming to get out of your superannuation in that time frame because with that, you know, the expected returns are lower for growth than a than a high growth.","start":2118.275,"end":2129.91,"sentiment":"neutral","sentiment_score":0.08716199222283486},{"text":"But like I said too, depending on how the markets are going, nothing is sort of guaranteed.","start":2129.91,"end":2134.7898,"sentiment":"neutral","sentiment_score":-0.0449685918934205}],"sentiment":"neutral","sentiment_score":0.12135496890556266,"num_words":131,"start":2084.2449,"end":2134.7898},{"sentences":[{"text":"And sometimes, you know, growth can outperform high growth.","start":2134.7898,"end":2137.0298,"sentiment":"neutral","sentiment_score":0.1916711943017112},{"text":"High growth generally does over the long term, though, outperform the growth portfolio because it does has the higher allocation to growth assets.","start":2137.0298,"end":2145.635,"sentiment":"neutral","sentiment_score":0.31447008576082147},{"text":"So, you know, in the short term, some years you might have the the growth performing better for a little bit less risk.","start":2146.2551,"end":2151.75,"sentiment":"neutral","sentiment_score":0.22805183963931125},{"text":"But, historically, over that longer period of time, it does work out that, you know, having that higher allocation to those growth assets, if you do have high conviction and hold those assets, that you do end up with those higher returns.","start":2152.31,"end":2164.55,"sentiment":"positive","sentiment_score":0.36045698821544647},{"text":"So expected return sort of, you know, sitting around the eight to 10% annually for, like, a high growth as, like, an expected annual return, hopefully, and then growth sort of sits more to us at seven to 9% expected return.","start":2164.55,"end":2191.23,"sentiment":"neutral","sentiment_score":0.2706312177384772}],"sentiment":"neutral","sentiment_score":0.2930298439510491,"num_words":138,"start":2134.7898,"end":2191.23},{"sentences":[{"text":"Yeah.","start":2191.23,"end":2191.47,"sentiment":"neutral","sentiment_score":0.12810231745243073},{"text":"Well, given that you said you sorta don't wanna retire to the age of 65, maybe in a little bit longer, so that's that would be nine years in a growth portfolio, and then you could wind it back to, you know, say, like, a a growth or a balanced growth for those five years into your sort of sixties and then preserve that balance a little bit more.","start":2191.47,"end":2209.4702,"sentiment":"neutral","sentiment_score":0.13204862344740093},{"text":"But if you're not looking to take on as much risk given what's happened and you're happy to have a little bit less risk, we can look at a growth portfolio as well and wind it back a little bit now for you.","start":2209.4702,"end":2219.49,"sentiment":"neutral","sentiment_score":0.1681723152828771},{"text":"But just given that you're you don't have much debt, you're working well, you're contributing well, and you're also contributing more to super, realistically, on the sides of, like, working life, you're working quite well and hard and contributing quite well.","start":2221.445,"end":2233.59,"sentiment":"positive","sentiment_score":0.44188768834602543},{"text":"So those are years that you still wanna aim for a bit more growth while you've got that that time on your side.","start":2233.6702,"end":2238.6301,"sentiment":"neutral","sentiment_score":0.2470277790790019}],"sentiment":"neutral","sentiment_score":0.22751356516096552,"num_words":177,"start":2191.23,"end":2238.6301},{"sentences":[{"text":"It's it's very hard to justify it when you do hit 60 and you go, actually, I want a bit more growth and increasing it then because that's when you're playing with fire a little bit.","start":2238.6301,"end":2247.335,"sentiment":"neutral","sentiment_score":-0.16367243447651467},{"text":"If you do have, like, a backward step what occurred now closer to that 60 mark in those sort of environments, then, yeah, it it's not very good.","start":2247.335,"end":2256.9348,"sentiment":"neutral","sentiment_score":-0.20678673471723283},{"text":"But in saying that's why we are looking at removing that active portion, which removes a level of risk, and you still have the same allocation to those growth growth assets.","start":2256.9348,"end":2267.57,"sentiment":"neutral","sentiment_score":-0.08268867757531904},{"text":"Yeah.","start":2274.51,"end":2274.75,"sentiment":"neutral","sentiment_score":0.07271943241357803},{"text":"But as as I said, have a a think about it.","start":2274.75,"end":2276.6702,"sentiment":"neutral","sentiment_score":0.0169173502786593}],"sentiment":"neutral","sentiment_score":-0.130717522734515,"num_words":107,"start":2238.6301,"end":2276.6702},{"sentences":[{"text":"Nothing set in stone.","start":2276.6702,"end":2277.9448,"sentiment":"neutral","sentiment_score":-0.09012930653989315},{"text":"Yeah.","start":2278.565,"end":2278.7249,"sentiment":"neutral","sentiment_score":0.11564391851425172},{"text":"Have a have a good read through it and see how you feel about it.","start":2278.7249,"end":2282.265,"sentiment":"neutral","sentiment_score":0.19051443214217822},{"text":"So in terms of, like, a high growth, there is a bit of information about a high growth investor as well and sort of the the equities that it it focuses on there.","start":2283.765,"end":2290.825,"sentiment":"neutral","sentiment_score":0.07785191488536922},{"text":"In short, the recommended I know we sort of jumped all over the shop a little bit there, but it's to retain that net wealth.","start":2291.9001,"end":2297.6,"sentiment":"neutral","sentiment_score":0.025178862884640694}],"sentiment":"neutral","sentiment_score":0.07450548638231479,"num_words":78,"start":2276.6702,"end":2297.6},{"sentences":[{"text":"Yeah.","start":2298.2202,"end":2298.7202,"sentiment":"neutral","sentiment_score":0.03351239860057831},{"text":"Yeah.","start":2298.78,"end":2299.28,"sentiment":"neutral","sentiment_score":0.06862690299749374},{"text":"No.","start":2299.9001,"end":2300.1401,"sentiment":"neutral","sentiment_score":-0.014760494232177734},{"text":"That that's fine.","start":2300.1401,"end":2301.2002,"sentiment":"neutral","sentiment_score":0.11145932972431183},{"text":"And change those underlying investments.","start":2301.9802,"end":2303.84,"sentiment":"neutral","sentiment_score":0.17027112543582917}],"sentiment":"neutral","sentiment_score":0.11573749306527051,"num_words":11,"start":2298.2202,"end":2303.84},{"sentences":[{"text":"So with that one, you would be retaining net wealth.","start":2304.665,"end":2306.665,"sentiment":"positive","sentiment_score":0.41273648738861085},{"text":"You'd be switching those investments if you were happy with it.","start":2306.665,"end":2309.485,"sentiment":"positive","sentiment_score":0.39955125613646075},{"text":"Now with that, it is looking at sort of building a a stronger sort of longevity with your super and having that less market exposure, especially during these times with what's happening in the market.","start":2309.625,"end":2321.34,"sentiment":"positive","sentiment_score":0.5553727090358734},{"text":"And then with that one as well, it is reducing the investment cost.","start":2322.2,"end":2326.62,"sentiment":"positive","sentiment_score":0.6052725498492901},{"text":"So that is a guaranteed savings that you will be having moving forward as well with the word and take the investment because having active investment actually costs more, and sometimes it does actually underperform, which is a bit of a double edged sword in terms of, like, the risk you do take versus the return and then the cost that takes for that risk.","start":2327.0,"end":2345.72,"sentiment":"positive","sentiment_score":0.3741360325079698}],"sentiment":"positive","sentiment_score":0.44886461767687724,"num_words":134,"start":2304.665,"end":2345.72},{"sentences":[{"text":"But by, yeah, underlying change those underlying investments, maintaining that fund, you don't take on all the capital gains for that.","start":2345.72,"end":2352.54,"sentiment":"neutral","sentiment_score":-0.046043356969243006},{"text":"And then you can look, given the loss that has occurred, switching up those investments and not paying as much capital gains to do so, which is why we decided to do, like, a full sort of portfolio, a little update there as well.","start":2352.92,"end":2365.2148,"sentiment":"neutral","sentiment_score":0.026439525017684155},{"text":"Now you will be paying less fees.","start":2366.2349,"end":2368.315,"sentiment":"neutral","sentiment_score":0.311660179070064},{"text":"It does have historically a better track record just given the last five year rolling averages, but that isn't too hard with what happened with Benelon, unfortunately.","start":2368.7148,"end":2375.64,"sentiment":"neutral","sentiment_score":0.2306183245446947},{"text":"And then it is in line with your risk profile still, and then it will remove that management risk from your investment there as well.","start":2376.98,"end":2383.88,"sentiment":"neutral","sentiment_score":0.07359900817275047}],"sentiment":"neutral","sentiment_score":0.08423161149145134,"num_words":124,"start":2345.72,"end":2383.88},{"sentences":[{"text":"As always, though, you there is a certain degree of risk that the recommended investments will not perform as recommended or sort of as the projection state because it is based on those those rolling averages there as well.","start":2384.74,"end":2397.355,"sentiment":"negative","sentiment_score":-0.37283960424172574},{"text":"But in saying that we have a bit more conviction in those index investments moving forward and their returns versus, like, the that you currently hold versus holding that, if that makes sense.","start":2398.135,"end":2412.34,"sentiment":"neutral","sentiment_score":0.1820041643399181},{"text":"Yeah.","start":2414.7202,"end":2415.2202,"sentiment":"neutral","sentiment_score":0.09607703238725662},{"text":"Yep.","start":2424.495,"end":2424.975,"sentiment":"neutral","sentiment_score":0.11625009030103683},{"text":"So that's everything total.","start":2424.975,"end":2426.655,"sentiment":"neutral","sentiment_score":0.1356051154434681}],"sentiment":"neutral","sentiment_score":-0.0997417892018954,"num_words":78,"start":2384.74,"end":2426.655},{"sentences":[{"text":"So on the the left hand column, it labels everything, and you'll see the current weighting.","start":2426.655,"end":2432.61,"sentiment":"neutral","sentiment_score":0.0872125024907291},{"text":"Now the ones up the top are the weightings of your current portfolio.","start":2432.9102,"end":2436.53,"sentiment":"neutral","sentiment_score":0.09335287402455623},{"text":"You'll be able to see exactly what they're invested in.","start":2436.59,"end":2439.6501,"sentiment":"neutral","sentiment_score":0.1586064524948597},{"text":"And then the few below that you're currently investing, they'll have a 0% waiting.","start":2439.9502,"end":2443.945,"sentiment":"neutral","sentiment_score":0.08330299598830086},{"text":"Now with the changes, you'll see the buyers and sales.","start":2443.945,"end":2446.665,"sentiment":"neutral","sentiment_score":0.06343724429607392}],"sentiment":"neutral","sentiment_score":0.0951693065701023,"num_words":63,"start":2426.655,"end":2446.665},{"sentences":[{"text":"So we're looking at getting rid of Bennelong fully.","start":2446.665,"end":2448.765,"sentiment":"neutral","sentiment_score":-0.0028475502298937905},{"text":"We're looking at getting iShares Misky fully and selling those down and then adjusting the Japan back to the original waiting of around the 5%.","start":2449.385,"end":2457.28,"sentiment":"neutral","sentiment_score":0.05195740506052971},{"text":"So that's selling back down a bit.","start":2457.66,"end":2459.5999,"sentiment":"neutral","sentiment_score":0.07577435086880412},{"text":"And then you'll be investing a little bit more into your S and P 500 moving, and then those top the bottom three investments are what the funds will be split between between selling down the Benelong and the iShares Misky.","start":2460.06,"end":2473.2751,"sentiment":"neutral","sentiment_score":0.12418815475411532},{"text":"You'll be selling into the bank hybrids, which is that defensive portion, the BetaShares two hundred, and the All World excluding The US to make sure that you're not sort of geographically pinned to America or Australia there as well.","start":2473.335,"end":2486.91,"sentiment":"neutral","sentiment_score":0.1295366373844445}],"sentiment":"neutral","sentiment_score":0.09899104484280602,"num_words":122,"start":2446.665,"end":2486.91},{"sentences":[{"text":"It gives you a bit of more exposure outside of just, like, Japan as a third option in Europe.","start":2487.0698,"end":2491.73,"sentiment":"neutral","sentiment_score":0.11938703883635371},{"text":"Yep.","start":2502.7449,"end":2503.065,"sentiment":"neutral","sentiment_score":0.12644833326339722},{"text":"Not a problem at all.","start":2503.065,"end":2503.865,"sentiment":"neutral","sentiment_score":0.011096273362636567},{"text":"And my screen's just frozen a second there, so bear with me.","start":2503.865,"end":2508.7449,"sentiment":"negative","sentiment_score":-0.3638482093811035},{"text":"I'll have to pull up a different copy of your statement advice to keep going through that with you.","start":2508.7449,"end":2513.565,"sentiment":"neutral","sentiment_score":-0.27497462300877823}],"sentiment":"neutral","sentiment_score":-0.127507373424513,"num_words":56,"start":2487.0698,"end":2513.565},{"sentences":[{"text":"Apologies for that.","start":2513.705,"end":2514.75,"sentiment":"neutral","sentiment_score":-0.31866305073102313},{"text":"That's just gonna take a second to load back up.","start":2521.87,"end":2524.37,"sentiment":"neutral","sentiment_score":-0.006600171700119973},{"text":"Going back down to page 16 then.","start":2527.07,"end":2530.625,"sentiment":"neutral","sentiment_score":-0.005508446201149907},{"text":"Sorry.","start":2535.965,"end":2536.465,"sentiment":"neutral","sentiment_score":0.1293464154005051},{"text":"Perfect.","start":2536.605,"end":2537.105,"sentiment":"positive","sentiment_score":0.548232913017273}],"sentiment":"neutral","sentiment_score":-0.01740775746293366,"num_words":22,"start":2513.705,"end":2537.105},{"sentences":[{"text":"Yep.","start":2537.885,"end":2538.125,"sentiment":"neutral","sentiment_score":0.3053871989250183},{"text":"So on that one, you'll obviously see those buy sell trades.","start":2538.125,"end":2540.785,"sentiment":"neutral","sentiment_score":0.13048944960940967},{"text":"Now from the allocation so if you go to page 70 there, you'll be able to see what currently investing in terms of what your growth does defensive assets and alternatives.","start":2540.845,"end":2549.7,"sentiment":"neutral","sentiment_score":0.07538196901159902},{"text":"17, the one just below that.","start":2551.3599,"end":2553.22,"sentiment":"neutral","sentiment_score":-0.00607532961294055},{"text":"Perfect.","start":2557.52,"end":2558.02,"sentiment":"positive","sentiment_score":0.547148585319519}],"sentiment":"neutral","sentiment_score":0.0917661758325994,"num_words":50,"start":2537.885,"end":2558.02},{"sentences":[{"text":"Now the aim is to do that ninety ten split.","start":2559.105,"end":2561.585,"sentiment":"neutral","sentiment_score":0.3258156716823578},{"text":"So currently, you're around 90¢ growth at around 5% defensive with the alternative assets there as well.","start":2561.585,"end":2567.125,"sentiment":"neutral","sentiment_score":0.19818470533937216},{"text":"Now moving forward, it'll be 87.8% in the growth and then around 5.2 in defensive, plus seven in the alternative.","start":2567.2651,"end":2574.96,"sentiment":"neutral","sentiment_score":0.22405983433127402},{"text":"So as I said, like, it's very close to in terms of, like, the amount of growth assets you do hold that you remove that managed portion there, which reduces that risk state that you will hold.","start":2575.26,"end":2584.875,"sentiment":"neutral","sentiment_score":0.11350772227789904},{"text":"But you still have that higher allocation to those growth assets to try and get those high returns over that long term period, if that makes sense.","start":2585.195,"end":2592.815,"sentiment":"positive","sentiment_score":0.380475576001185}],"sentiment":"neutral","sentiment_score":0.23075395422902975,"num_words":111,"start":2559.105,"end":2592.815},{"sentences":[{"text":"Perfect.","start":2595.355,"end":2595.855,"sentiment":"positive","sentiment_score":0.4977796077728271},{"text":"Below that, you'll be able to see what that looks like in terms of, like, the fees you'll be paying first the expected returns.","start":2597.355,"end":2603.6902,"sentiment":"neutral","sentiment_score":0.2660655528306961},{"text":"As I said, it's to be taken with a grain of salt in terms of, like, the expected outcomes of this, but it just shows you based on the five year rolling averages what might occur.","start":2603.6902,"end":2612.6702,"sentiment":"neutral","sentiment_score":0.15847198023564285},{"text":"Now with the one that I'm sort of more focused on is the investment cost.","start":2613.095,"end":2617.355,"sentiment":"neutral","sentiment_score":0.062184658646583554},{"text":"So removing those investments and going more index approach there, you'll be removing a a lot of the investment fees that come with that.","start":2617.575,"end":2625.4949,"sentiment":"neutral","sentiment_score":0.09873042969654004}],"sentiment":"neutral","sentiment_score":0.1589064435660839,"num_words":100,"start":2595.355,"end":2625.4949},{"sentences":[{"text":"So it nearly removes $1,400 in terms of, like, investment costs you'll be paying each year, like, in terms of the investments you do hold, plus another 160 or close to a 170 in terms of, like, other fees associated with those investments.","start":2625.4949,"end":2640.0,"sentiment":"neutral","sentiment_score":0.2156128464050071},{"text":"So it does work out that you'll be saving in terms with all of that around the sort of $1,187 per annum.","start":2640.615,"end":2649.755,"sentiment":"positive","sentiment_score":0.49106863276524976},{"text":"And the reason it's not higher is because you're contributing more, which means that your balance is gonna continue to grow, which means the adviser fee being percentage based means that that will go up slightly.","start":2650.055,"end":2660.3699,"sentiment":"neutral","sentiment_score":0.06655920296907425},{"text":"But that's based on the projected return.","start":2660.99,"end":2663.09,"sentiment":"neutral","sentiment_score":0.08855402256761279},{"text":"So it's not the fee you'll actually be charged.","start":2663.15,"end":2665.63,"sentiment":"neutral","sentiment_score":0.03883435039056672}],"sentiment":"neutral","sentiment_score":0.20034513619338346,"num_words":117,"start":2625.4949,"end":2665.63},{"sentences":[{"text":"It's based on, like, a year's worth of growth and things like that as well.","start":2665.63,"end":2668.77,"sentiment":"neutral","sentiment_score":0.08855392634868622},{"text":"So, again, if the markets don't perform as well, you get charged off the balance you do occur, which as bad as it does sound even though that they did have a bit of a backwards turn in your fund, it means that we get paid less for what occurred as well because it is that percentage based with the outcomes there.","start":2669.375,"end":2686.8,"sentiment":"neutral","sentiment_score":-0.2946969274611723},{"text":"But the guaranteed savings there will help grow your superannuation balance because that will go towards the growth and not the investment, especially since they weren't performing too fantastic.","start":2686.94,"end":2696.0,"sentiment":"positive","sentiment_score":0.3922068351430112},{"text":"Yep.","start":2706.295,"end":2706.795,"sentiment":"neutral","sentiment_score":0.02951016090810299},{"text":"Yeah.","start":2716.79,"end":2717.1902,"sentiment":"neutral","sentiment_score":0.017678208649158478}],"sentiment":"neutral","sentiment_score":-0.05112698165423892,"num_words":108,"start":2665.63,"end":2717.1902},{"sentences":[{"text":"So that was based on the on, like, your employer contributions that you were receiving.","start":2717.1902,"end":2735.315,"sentiment":"neutral","sentiment_score":0.019520458144446213},{"text":"Yeah.","start":2735.375,"end":2735.615,"sentiment":"neutral","sentiment_score":0.05819005519151688},{"text":"So with that, it's it's net contributions as well.","start":2735.615,"end":2738.76,"sentiment":"neutral","sentiment_score":0.06715726438495848},{"text":"So you still get taxed in super and just not as much, yeah, the 15% plus, like, obviously, yeah, going into that.","start":2738.76,"end":2750.52,"sentiment":"neutral","sentiment_score":0.05440532322973013},{"text":"So with that, it just works out to be, like, a little bit less even though you're aiming for that 34,000.","start":2750.52,"end":2755.945,"sentiment":"neutral","sentiment_score":0.1561168712519464}],"sentiment":"neutral","sentiment_score":0.0798644663848202,"num_words":68,"start":2717.1902,"end":2755.945},{"sentences":[{"text":"You obviously get taxed as well going into that plus, like, whatever the growth going in as well.","start":2755.945,"end":2761.885,"sentiment":"neutral","sentiment_score":0.13743417834242186},{"text":"Yeah.","start":2776.04,"end":2776.28,"sentiment":"neutral","sentiment_score":0.1077292263507843},{"text":"You should be able to see your contribution cap spacing for not only, like, this year, but previous five years as well.","start":2776.28,"end":2784.365,"sentiment":"neutral","sentiment_score":0.060999308628114784},{"text":"So if you were to exceed it, you might have some carry forward if you wanted to do something like that.","start":2784.665,"end":2790.105,"sentiment":"neutral","sentiment_score":-0.18928159524997076},{"text":"Obviously, we can have a chat about that a bit later if it comes closer to tax, and you feel like you're gonna exceed it or wanna exceed it.","start":2790.105,"end":2795.48,"sentiment":"neutral","sentiment_score":-0.2770793042306242}],"sentiment":"neutral","sentiment_score":-0.08886466040224819,"num_words":91,"start":2755.945,"end":2795.48},{"sentences":[{"text":"If you do have that carry forward space, you can contribute more without getting penalized and taxed more.","start":2795.78,"end":2801.72,"sentiment":"neutral","sentiment_score":0.013092315031422509},{"text":"Yeah.","start":2812.0652,"end":2812.465,"sentiment":"neutral","sentiment_score":0.11290550231933594},{"text":"So we can we can see, like, on your your account the, like, the total deposits that you've made and through the transactions.","start":2812.465,"end":2820.165,"sentiment":"neutral","sentiment_score":0.16589171860529028},{"text":"But, obviously, I can't tell when your employer is gonna make their their I can obviously see when it roughly might look like based on, like, what's occurred previously, but you'd have a bit more of an idea of when your employer is gonna put in your contributions and things like that as well and how much you expected based on your payslip.","start":2820.8499,"end":2842.755,"sentiment":"neutral","sentiment_score":0.07010326954343962},{"text":"I believe it's only, like, every quarter they have to do it.","start":2845.935,"end":2852.01,"sentiment":"neutral","sentiment_score":-0.003932219231501222}],"sentiment":"neutral","sentiment_score":0.0729350089851735,"num_words":117,"start":2795.78,"end":2852.01},{"sentences":[{"text":"So some people used to do it weekly.","start":2852.15,"end":2853.8298,"sentiment":"neutral","sentiment_score":0.008826871402561665},{"text":"Some piece people used to do it monthly.","start":2853.8298,"end":2855.77,"sentiment":"neutral","sentiment_score":0.02924322336912155},{"text":"I believe as a minimum, they have to do it quarterly in terms of, like, contributions at the moment, but it has, like, sort of changed every now and then, and that's purely because you can't just withhold a year's worth of contributions for a year and then dump it in all at once because that's a year's worth of growth your employee is missing out on that the employer gets by holding those funds.","start":2856.23,"end":2879.6401,"sentiment":"neutral","sentiment_score":-0.022221391455580792},{"text":"Now it does cost the employer every time they put money into super through, like, SuperStream.","start":2879.9402,"end":2884.36,"sentiment":"neutral","sentiment_score":0.09197852341458201},{"text":"It does cost accounting wise to put money into to super that the business does have to pay, which is why a lot of employers don't do weekly contributions and things like that as well.","start":2884.4202,"end":2895.505,"sentiment":"neutral","sentiment_score":0.046106923265116555}],"sentiment":"neutral","sentiment_score":0.01213630343603731,"num_words":142,"start":2852.15,"end":2895.505},{"sentences":[{"text":"They'll tend tend to do monthly or or quarterly.","start":2896.045,"end":2899.905,"sentiment":"neutral","sentiment_score":0.02191229024901986},{"text":"Yeah.","start":2906.7798,"end":2907.0198,"sentiment":"neutral","sentiment_score":0.1432349681854248},{"text":"I believe so.","start":2907.0198,"end":2907.74,"sentiment":"neutral","sentiment_score":0.14748532076676688},{"text":"At the moment, it is, like, Perfect.","start":2907.74,"end":2924.335,"sentiment":"neutral","sentiment_score":0.15386711061000824},{"text":"But do you have any questions in regards to that table at all?","start":2924.795,"end":2927.355,"sentiment":"neutral","sentiment_score":0.11903889047411773}],"sentiment":"neutral","sentiment_score":0.10325687555031794,"num_words":33,"start":2896.045,"end":2927.355},{"sentences":[{"text":"And just double check.","start":2927.355,"end":2928.81,"sentiment":"neutral","sentiment_score":0.062271419912576675},{"text":"Yeah.","start":2928.81,"end":2928.9702,"sentiment":"neutral","sentiment_score":0.0722898468375206},{"text":"It is it is quarterly.","start":2928.9702,"end":2930.11,"sentiment":"neutral","sentiment_score":0.06612811908125878},{"text":"So the the three year rolling average yeah.","start":2944.585,"end":2946.985,"sentiment":"neutral","sentiment_score":0.016671079909428954},{"text":"So these are based on they're not exactly what would have occurred because it does, like, exclude certain events, so it doesn't carry across to, like, what occurred in your fund.","start":2946.985,"end":2956.17,"sentiment":"neutral","sentiment_score":-0.01749412925733674}],"sentiment":"neutral","sentiment_score":0.004960546003920692,"num_words":49,"start":2927.355,"end":2956.17},{"sentences":[{"text":"But before phase, like, the that investment was like, that's the the five year rolling average.","start":2956.63,"end":2963.21,"sentiment":"neutral","sentiment_score":-0.06370286759920418},{"text":"Now it doesn't sorta always work out what occurred in the fund.","start":2963.51,"end":2966.965,"sentiment":"neutral","sentiment_score":-0.1035107026497523},{"text":"And, obviously, in your case, it didn't in terms of, like, what you did receive versus the cost you were paying, like, investment wise.","start":2966.965,"end":2973.685,"sentiment":"neutral","sentiment_score":-0.04511873874192437},{"text":"But before you take into consideration costs and things like that, that's, like, the the return rate with the three year rolling average.","start":2973.685,"end":2980.9402,"sentiment":"neutral","sentiment_score":-0.007048163765474506},{"text":"That that's, like, that's what I said.","start":2989.1602,"end":2992.705,"sentiment":"neutral","sentiment_score":-0.02929013648203441}],"sentiment":"neutral","sentiment_score":-0.04526052152647114,"num_words":82,"start":2956.63,"end":2992.705},{"sentences":[{"text":"Like, investments are meant to be taken with a grain of salt because they're based on what did occur.","start":2992.705,"end":2997.365,"sentiment":"neutral","sentiment_score":-0.044917303578634014},{"text":"Like because if you go over the page as well, you can see, like, the the twelve months, three years, and five years.","start":2998.065,"end":3004.405,"sentiment":"neutral","sentiment_score":0.014284963841023653},{"text":"Now if you look at the twelve months report, you say you're doing that 1.2 before you take into account investment costs and things like that.","start":3004.68,"end":3012.46,"sentiment":"neutral","sentiment_score":-0.02159043136410988},{"text":"And then that five years close to that 8.8 before you take into account fees, which is where you're sort sitting now given what occurred during COVID and things like that.","start":3012.68,"end":3020.4048,"sentiment":"neutral","sentiment_score":-0.013778342504895503},{"text":"And then if you look at the twelve month and the three years from those index investments, just because the markets have been doing well in terms of, like even though they've been quite volatile with, you know, Trump playing around in the market, they've been ticking up quite steadily, which is why those index investments have been doing well.","start":3020.865,"end":3036.9202,"sentiment":"neutral","sentiment_score":0.14543693531304597}],"sentiment":"neutral","sentiment_score":0.04536390997492855,"num_words":159,"start":2992.705,"end":3036.9202},{"sentences":[{"text":"It's not always the case, which is why I say, like, take it with a a grain of salt.","start":3036.9202,"end":3041.32,"sentiment":"neutral","sentiment_score":-0.09804695756419708},{"text":"If the markets are doing well, then your index investments are doing well.","start":3041.32,"end":3044.625,"sentiment":"neutral","sentiment_score":0.08086199657275127},{"text":"But if the markets aren't doing too fantastic and has stagnated a little bit there as well, then your your investments do slow with that as well.","start":3044.705,"end":3052.085,"sentiment":"negative","sentiment_score":-0.3474814044656577},{"text":"Yep.","start":3061.01,"end":3061.09,"sentiment":"neutral","sentiment_score":0.24877290427684784},{"text":"Yep.","start":3061.09,"end":3061.59,"sentiment":"neutral","sentiment_score":0.17732582986354828}],"sentiment":"neutral","sentiment_score":-0.1601243512246941,"num_words":61,"start":3036.9202,"end":3061.59},{"sentences":[{"text":"The next section is just based on that salary sacrifice.","start":3061.8901,"end":3064.6301,"sentiment":"neutral","sentiment_score":0.0730363093316555},{"text":"So based on what we've got in your superannuation, you have around that $13,000 in concessional contribution cap remaining for the end of the year.","start":3064.77,"end":3074.275,"sentiment":"neutral","sentiment_score":0.10280704140663147},{"text":"Now if you go to page 21, you'll be able to see a breakdown in that table versus your employer pay contributions plus the the bonus, which we accounted for that four weeks pay there as well for your your salary just in case versus the the taxable income that you will be receiving.","start":3074.4148,"end":3095.05,"sentiment":"neutral","sentiment_score":0.09860113787430304},{"text":"So you have your super employee contribution.","start":3095.05,"end":3096.99,"sentiment":"neutral","sentiment_score":0.09023274587733406},{"text":"So based on that, it's looking around the 15,637 salary sacrifice for the $100 a week is 5,200.","start":3097.13,"end":3104.705,"sentiment":"neutral","sentiment_score":0.1154598065962394}],"sentiment":"neutral","sentiment_score":0.0994290027505996,"num_words":114,"start":3061.8901,"end":3104.705},{"sentences":[{"text":"With increasing that to reach the cap, you're looking at around the 15,000 in super and then 15,000 salary sack there as well minus the the tax going into your superannuation.","start":3105.645,"end":3117.31,"sentiment":"neutral","sentiment_score":0.11656044711989741},{"text":"As I said, those figures to be taken with a grain of salt based on the fact that you have already increased your contributions.","start":3121.2102,"end":3126.395,"sentiment":"neutral","sentiment_score":-0.02265346422791481},{"text":"So I would just, like, be mindful of that, like, in the next sort of few months, obviously, leading up to the end of the financial year, just making sure that you've accounted for all your pay cycles for your quarter to go in before making, like, your last contributions and things like that.","start":3127.335,"end":3151.7598,"sentiment":"neutral","sentiment_score":0.052334385475626695},{"text":"Yeah.","start":3151.7598,"end":3152.0,"sentiment":"neutral","sentiment_score":0.06635145843029022},{"text":"They should you should be able to see on your play slip what your super entitlement is, and then you could just ask accounting when that when that's a bit when they pay that so you know when that's gonna go in and what amount that is, and then just sorta add that to what you've got in your remaining cap space and make sure that based on your salary sacrifice that you're contributing as well that you're not gonna exceed that.","start":3152.0,"end":3172.91,"sentiment":"neutral","sentiment_score":0.08906157599852943}],"sentiment":"neutral","sentiment_score":0.06908931367312714,"num_words":192,"start":3105.645,"end":3172.91},{"sentences":[{"text":"Not a problem at all.","start":3178.57,"end":3179.8699,"sentiment":"positive","sentiment_score":0.405739825963974},{"text":"And there is a a slight typo there as well.","start":3180.09,"end":3183.195,"sentiment":"neutral","sentiment_score":0.06373103521764278},{"text":"It's meant to be $14.04 8 for the salary sacrifice.","start":3183.195,"end":3187.0552,"sentiment":"neutral","sentiment_score":0.030727369524538518},{"text":"Just a slip of the thumb, it looks like there.","start":3187.595,"end":3189.835,"sentiment":"neutral","sentiment_score":0.03820958249270916},{"text":"Because, obviously, your cap space is 30.","start":3189.835,"end":3191.7751,"sentiment":"neutral","sentiment_score":0.044421160859721046}],"sentiment":"neutral","sentiment_score":0.08729350305206719,"num_words":42,"start":3178.57,"end":3191.7751},{"sentences":[{"text":"So 15 plus 15 with some change there that you're sitting at 31.","start":3191.835,"end":3196.03,"sentiment":"neutral","sentiment_score":0.08532310305879666},{"text":"But as I said, the the figures are just to highlight what that sort of looks like in terms of what you're paying versus what you would be paying and that the outcomes tax wise in terms of, like, your take your take home pay and everything like that.","start":3196.73,"end":3209.485,"sentiment":"neutral","sentiment_score":0.14055017374303877},{"text":"So that's for that twelve month period, what that sorta looks like if you do contribute the full 30,000, if that makes sense.","start":3209.485,"end":3215.345,"sentiment":"neutral","sentiment_score":0.1957581490278244},{"text":"Obviously, the advantage of that, you're obviously taking advantage of that 15% tax rate.","start":3217.565,"end":3221.645,"sentiment":"positive","sentiment_score":0.4722498527594975},{"text":"It's investing given that you don't have much debt as well for, you know, your retirement, the end of your working life as well versus, like, having a retirement or investment outside of super that does form part of your taxable income.","start":3221.645,"end":3233.7202,"sentiment":"neutral","sentiment_score":0.2154217220488049}],"sentiment":"neutral","sentiment_score":0.1997007556418155,"num_words":141,"start":3191.835,"end":3233.7202},{"sentences":[{"text":"So you do form that tax benefit.","start":3233.7202,"end":3235.5,"sentiment":"neutral","sentiment_score":0.3178936413356236},{"text":"The disadvantage is you've obviously locked that away into your immediate condition of the lease mainly.","start":3235.935,"end":3239.955,"sentiment":"negative","sentiment_score":-0.5750356707721949},{"text":"Given that we could, you know, not do so, sacrifice, look at investment outside of super as well.","start":3241.2952,"end":3245.935,"sentiment":"neutral","sentiment_score":-0.1381724774837494},{"text":"Given that you're in a position there where you've got a nice amount of savings, don't have much debt, and the debt you do have, you could pay off if you wanted to.","start":3245.935,"end":3252.94,"sentiment":"neutral","sentiment_score":0.2645118620359536},{"text":"It just works out that you could still even have an outside super investment in the next few years, and you can afford what you're currently doing there as well.","start":3254.2,"end":3260.44,"sentiment":"positive","sentiment_score":0.7140029788017273}],"sentiment":"neutral","sentiment_score":0.19890924013004854,"num_words":104,"start":3233.7202,"end":3260.44},{"sentences":[{"text":"And you've got that cash buffer to not really have to worry too much as well if something did occur.","start":3260.44,"end":3270.5151,"sentiment":"positive","sentiment_score":0.469207938760519},{"text":"If you can afford it, obviously, the benefit is come your retirement age, you get those like, obviously, if you get some growth out of it, you get that all tax free in terms of distributions.","start":3278.14,"end":3286.88,"sentiment":"positive","sentiment_score":0.4211806050605244},{"text":"The growth inside it still gets taxed at whatever, like, growth it earns and incomes it earns.","start":3287.42,"end":3292.16,"sentiment":"neutral","sentiment_score":0.16638735681772232},{"text":"But if you had an investment outside of super come, you know, retirement, if you put 50,000 or 30,000 a year, you know, investment outside of super, when you wanna draw that down in retirement, you still gotta pay the capital gains on that.","start":3292.425,"end":3304.0251,"sentiment":"neutral","sentiment_score":0.053662929345260964},{"text":"And then drawing down on that income, you've always gotta pay tax and everything like that.","start":3304.0251,"end":3307.865,"sentiment":"neutral","sentiment_score":-0.027970679569989443}],"sentiment":"neutral","sentiment_score":0.22021717023580595,"num_words":133,"start":3260.44,"end":3307.865},{"sentences":[{"text":"Whereas through super, as long as you can afford to lock it away for that time line, you do have that added benefit of receiving more of the funds tax free as opposed to to not and having that liquidity and access to it.","start":3307.865,"end":3320.88,"sentiment":"neutral","sentiment_score":0.2595363310114904},{"text":"But you do have a large portion sitting in cash as well if you did need the funds for anything.","start":3320.88,"end":3325.935,"sentiment":"neutral","sentiment_score":0.1584263350814581},{"text":"Perfect.","start":3330.395,"end":3330.895,"sentiment":"positive","sentiment_score":0.522929310798645},{"text":"In terms of the insurance side of things, there's Zoran.","start":3331.755,"end":3334.555,"sentiment":"neutral","sentiment_score":0.19391447007656099},{"text":"So we're just looking at replacing your current policy with a a more comfortable cheaper option.","start":3334.555,"end":3339.58,"sentiment":"neutral","sentiment_score":0.21461625583469868}],"sentiment":"neutral","sentiment_score":0.22509955352806782,"num_words":91,"start":3307.865,"end":3339.58},{"sentences":[{"text":"So when going to market, there is well, we did find that if you applied for $300,000 of life and TB, that's 7,000 a monthly benefit of income protection, and a thirty day wait still on a five year benefit, And a thirty day wait still in a five year benefit period, it nearly cuts the premiums down there in half.","start":3339.58,"end":3356.0652,"sentiment":"neutral","sentiment_score":0.295559607324053},{"text":"So you're looking at more 2,500 per annum as a yearly premium opposed to the the 4,900 or close to 5,000 that you're currently paying there.","start":3356.0652,"end":3364.91,"sentiment":"neutral","sentiment_score":0.23454707044248396},{"text":"Now it is a little less in terms of, like, the monthly benefit for your income protection, but given that you don't have much debt there as well, that would cover, like, your base expenses and things like that.","start":3365.53,"end":3375.93,"sentiment":"neutral","sentiment_score":0.027993739869159002},{"text":"Obviously, you still get taxed on that 7,000, but it makes it a lot more affordable.","start":3375.93,"end":3379.865,"sentiment":"neutral","sentiment_score":0.2820309060625732},{"text":"It brings it back down to that $300,000 flat as well, but you still have that thirty day wait and five year benefit period, which is still nice and comprehensive there for you.","start":3380.405,"end":3388.425,"sentiment":"positive","sentiment_score":0.5992628110177589}],"sentiment":"neutral","sentiment_score":0.28289875996432134,"num_words":175,"start":3339.58,"end":3388.425},{"sentences":[{"text":"You would just have slightly less coverage in terms of the benefit amount for income protection.","start":3389.845,"end":3394.77,"sentiment":"neutral","sentiment_score":-0.07580682588741183},{"text":"But in worst case scenario, I'm assuming like, given your payments aren't probably huge on the loan that you pay for that redraw, And then your living expenses, if you are injured, you're not gonna be out partying on the weekends either.","start":3394.83,"end":3409.325,"sentiment":"neutral","sentiment_score":-0.262266690887156},{"text":"So in terms of that, you probably don't need to cover for much more than that anyway unless you were planning on, you know, taking a holiday to Mexico while you're on income protection claim, which I would highly recommend again because you'd probably end up off claim pretty quickly.","start":3410.1848,"end":3424.81,"sentiment":"neutral","sentiment_score":-0.17399050801992416},{"text":"Now with that one, we will be looking to cancel the Neos policy that you do currently hold.","start":3427.3499,"end":3431.925,"sentiment":"neutral","sentiment_score":-0.192318647272057},{"text":"There is that features gained and lost there.","start":3432.165,"end":3434.645,"sentiment":"neutral","sentiment_score":-0.0716519053094089}],"sentiment":"neutral","sentiment_score":-0.1862879591479675,"num_words":134,"start":3389.845,"end":3434.645},{"sentences":[{"text":"It's mainly in regards to the TPD portion.","start":3434.645,"end":3437.125,"sentiment":"neutral","sentiment_score":-0.03962309751659632},{"text":"So the ClearView, the main thing is you don't have the partial benefits.","start":3437.125,"end":3440.905,"sentiment":"neutral","sentiment_score":-0.042172796451128446},{"text":"Like, that's claims for, you know, things like they cover for specific loss of limbs, things like that, where they'll pay out partial TPD, which you don't want have with the Clearview.","start":3441.365,"end":3450.68,"sentiment":"neutral","sentiment_score":-0.0738711174344644},{"text":"But that's part of also paying less in terms of the yearly premium there as well.","start":3451.22,"end":3456.02,"sentiment":"neutral","sentiment_score":0.006956000754144043},{"text":"You do lose a little bit of those benefits, but the income protection's quite comparable in terms of what you're paying and what you're receiving.","start":3456.02,"end":3462.335,"sentiment":"neutral","sentiment_score":0.012063207626342774}],"sentiment":"neutral","sentiment_score":-0.029959900948674754,"num_words":94,"start":3434.645,"end":3462.335},{"sentences":[{"text":"But as I said, I have a quick look through that appendix there as well.","start":3465.0352,"end":3467.835,"sentiment":"neutral","sentiment_score":0.03828484167655309},{"text":"You can see it much like we went through previously in what you're gaining versus what you're losing.","start":3467.835,"end":3472.415,"sentiment":"neutral","sentiment_score":0.030743606595529452},{"text":"Well, technically, it's $29.29 50, basically.","start":3483.8,"end":3488.015,"sentiment":"neutral","sentiment_score":0.06343405569593112},{"text":"But with being inside super, you get the 15% rebate, which brings it down to the $2,500.","start":3488.2349,"end":3494.335,"sentiment":"neutral","sentiment_score":0.20391581733437145},{"text":"Yep.","start":3495.595,"end":3496.095,"sentiment":"neutral","sentiment_score":0.05539390444755554}],"sentiment":"neutral","sentiment_score":0.08824955573991726,"num_words":57,"start":3465.0352,"end":3496.095},{"sentences":[{"text":"Yeah.","start":3500.71,"end":3501.03,"sentiment":"neutral","sentiment_score":0.1386946141719818},{"text":"So the the one listed below is the higher one because paying outside of Super, you get that 15% rebate, which is nice.","start":3501.03,"end":3508.25,"sentiment":"neutral","sentiment_score":0.26970825959806854},{"text":"And then, yeah, you'd be canceling that Neos product there as well.","start":3509.59,"end":3513.77,"sentiment":"neutral","sentiment_score":0.00853133543084065},{"text":"The only difference that came out with that, Zoran so within regards to your current Neos policy, I know you did disclose you had a leg injury, but on the application, you didn't mention that you had the tendon the tendon surgery.","start":3515.0151,"end":3527.2751,"sentiment":"neutral","sentiment_score":-0.1529616822621652},{"text":"Now when we disclosed that with the update, it's looking like due to the surgery with the tendon, it would have been an exclusion on the Neos policy, which technically is a nondisclosure anyway, so it should technically apply to the Neos policy.","start":3527.9001,"end":3540.7002,"sentiment":"neutral","sentiment_score":-0.1860092956312867}],"sentiment":"neutral","sentiment_score":-0.06593743600874893,"num_words":121,"start":3500.71,"end":3540.7002},{"sentences":[{"text":"Now I'm not saying you did that maliciously by any means.","start":3540.7002,"end":3543.5051,"sentiment":"negative","sentiment_score":-0.3583008809523149},{"text":"You did mention that you had the leg injury.","start":3543.5051,"end":3545.5251,"sentiment":"neutral","sentiment_score":-0.21953128443823922},{"text":"You just, like, didn't mention the fact that you had the tendon surgery related to that as well.","start":3545.585,"end":3550.485,"sentiment":"neutral","sentiment_score":-0.143505753742324},{"text":"So with that, you would have the men oh, sorry?","start":3551.2651,"end":3554.405,"sentiment":"neutral","sentiment_score":-0.09424118027091026},{"text":"No.","start":3563.79,"end":3564.1099,"sentiment":"neutral","sentiment_score":-0.12585480511188507}],"sentiment":"neutral","sentiment_score":-0.1952747229714783,"num_words":49,"start":3540.7002,"end":3564.1099},{"sentences":[{"text":"We on the original policy, the Neos one back in '20 '19, was it?","start":3564.1099,"end":3569.0552,"sentiment":"neutral","sentiment_score":-0.05334797940616097},{"text":"You mentioned you had a leg injury, but it wasn't until you mentioned at the latest round of pre assessments we did with the insurers to look at insurances again that you had the the app.","start":3569.355,"end":3578.395,"sentiment":"neutral","sentiment_score":-0.0971878891189893},{"text":"So with that, just given that like, obviously, it doesn't affect you in everyday life.","start":3578.395,"end":3582.91,"sentiment":"neutral","sentiment_score":-0.033986105024814604},{"text":"It just means that moving forward, it'll be an exclusion.","start":3582.91,"end":3585.73,"sentiment":"neutral","sentiment_score":-0.17360367327928544},{"text":"But, technically, it should have been exclusion on that current Neos policy.","start":3585.7898,"end":3589.0898,"sentiment":"negative","sentiment_score":-0.3379719729224841}],"sentiment":"neutral","sentiment_score":-0.12123135291039944,"num_words":87,"start":3564.1099,"end":3589.0898},{"sentences":[{"text":"Just well, either, yeah, either way, even if you didn't go ahead with these insurance, it technically still should apply to the Neos policy because they came back saying that it would be it would have been an exclusion, basically.","start":3589.47,"end":3604.955,"sentiment":"neutral","sentiment_score":-0.06744458228349685},{"text":"When we didn't tell them, obviously, it was you when we did those pre assessments.","start":3605.015,"end":3608.135,"sentiment":"neutral","sentiment_score":-0.1528131867448489},{"text":"It's a blind pre assessment.","start":3608.135,"end":3609.6802,"sentiment":"neutral","sentiment_score":-0.13386482298374175},{"text":"But when Neos looked at your profile, the fact that you had the leg injury with the surgery, they said that would result in a leg exclusion, which means that it should apply to your current policy now.","start":3609.6802,"end":3620.32,"sentiment":"neutral","sentiment_score":-0.15951903046746002},{"text":"It just doesn't.","start":3620.32,"end":3621.2202,"sentiment":"neutral","sentiment_score":-0.17873465518156686}],"sentiment":"neutral","sentiment_score":-0.12135873594791582,"num_words":101,"start":3589.47,"end":3621.2202},{"sentences":[{"text":"Because I had a look at the previous like, the application you did way back then.","start":3621.6,"end":3625.095,"sentiment":"neutral","sentiment_score":-0.11941130668856204},{"text":"You mentioned the leg injury, just not the surgery, which which isn't an issue because we're looking at rewriting anyway.","start":3625.175,"end":3631.355,"sentiment":"neutral","sentiment_score":-0.19702259488403798},{"text":"It just will mean that you will have that mental health exclusion and the leg exclusion.","start":3631.415,"end":3635.275,"sentiment":"neutral","sentiment_score":-0.257544600404799},{"text":"But even if we kept that Neos policy, we would have to probably go to them and say, hey.","start":3635.575,"end":3640.89,"sentiment":"neutral","sentiment_score":-0.27278677334910945},{"text":"Discovered this.","start":3641.13,"end":3642.1099,"sentiment":"neutral","sentiment_score":-0.1531665176153183}],"sentiment":"neutral","sentiment_score":-0.21179490602792125,"num_words":73,"start":3621.6,"end":3642.1099},{"sentences":[{"text":"And they have the chance to basically say, oh, no.","start":3642.73,"end":3645.13,"sentiment":"neutral","sentiment_score":-0.15505765825510026},{"text":"We don't want this policy anymore, or they'll just change it to have the exclusion.","start":3645.13,"end":3648.5898,"sentiment":"neutral","sentiment_score":-0.32893662552038827},{"text":"Or you just don't tell them and you run the risk that if you hurt yourself with that tendon injury and try and claim on your policies, there's a chance that they might find it.","start":3649.21,"end":3662.895,"sentiment":"negative","sentiment_score":-0.4248860274042402},{"text":"That's yeah.","start":3673.77,"end":3674.49,"sentiment":"neutral","sentiment_score":-0.11295594274997711},{"text":"That's that's what I'm saying, sir.","start":3674.49,"end":3677.15,"sentiment":"neutral","sentiment_score":-0.2037340539197127}],"sentiment":"negative","sentiment_score":-0.3353522519635804,"num_words":68,"start":3642.73,"end":3677.15},{"sentences":[{"text":"Yeah.","start":3677.21,"end":3677.71,"sentiment":"neutral","sentiment_score":-0.02505785971879959},{"text":"It's it's not exactly.","start":3678.41,"end":3690.4448,"sentiment":"neutral","sentiment_score":-0.05260035360697657},{"text":"So if if you broke that leg in a car accident and you couldn't walk on that leg anymore, it's not excluded due to that reason.","start":3690.505,"end":3698.48,"sentiment":"neutral","sentiment_score":-0.19590150665205258},{"text":"It's due to if anything comes comes from that tendon injury from previous surgeries or you have to go get another surgery.","start":3698.48,"end":3704.74,"sentiment":"neutral","sentiment_score":-0.08074115233665163},{"text":"Like, say, if you had to take time off work because you had to go get the tendon refixed because something went wrong, you wouldn't be able to claim on IP or things like that.","start":3705.12,"end":3713.7048,"sentiment":"neutral","sentiment_score":-0.08904746291892869}],"sentiment":"neutral","sentiment_score":-0.1161575568257831,"num_words":88,"start":3677.21,"end":3713.7048},{"sentences":[{"text":"But any other injury nonrelated to that or deemed to be related to that injury, it's fine.","start":3713.7048,"end":3718.9048,"sentiment":"neutral","sentiment_score":0.03429804457461133},{"text":"It's still covered.","start":3718.9048,"end":3719.805,"sentiment":"neutral","sentiment_score":0.23446272810300192},{"text":"Yeah.","start":3722.345,"end":3722.585,"sentiment":"neutral","sentiment_score":0.2606830596923828},{"text":"And as I said, it can they're quite worthy, those pre assessments too or, like, the application summary.","start":3722.585,"end":3728.16,"sentiment":"neutral","sentiment_score":0.229910746216774},{"text":"So by any means, like, we've had plenty of people answer the questions truthfully, and it still comes back that it's potential nondisclosure because they put the thing down the bottom always any additional information.","start":3728.16,"end":3739.28,"sentiment":"neutral","sentiment_score":0.006894005409308842}],"sentiment":"neutral","sentiment_score":0.08009218409456112,"num_words":74,"start":3713.7048,"end":3739.28},{"sentences":[{"text":"If you answered all the correction like, questions correctly, they could still sorta come back and be like, we asked any additional information you wanna give us, and you didn't give us x y zed, which they found out about later.","start":3739.28,"end":3749.215,"sentiment":"neutral","sentiment_score":-0.11459766001236148},{"text":"So, you know, the insurers are always trying to get out of it by any means necessary.","start":3749.675,"end":3753.695,"sentiment":"neutral","sentiment_score":-0.27215253780869875},{"text":"So, yeah, by any means, I'm not saying that you've maliciously did that at All Zone, so you're quite truthful on your, yeah, your pre assessments and everything.","start":3755.69,"end":3763.45,"sentiment":"neutral","sentiment_score":-0.04027338359238846},{"text":"So yeah.","start":3763.45,"end":3764.5898,"sentiment":"neutral","sentiment_score":0.015036717988550661},{"text":"But, yeah, the the fact of the matter is it will be an exclusion, and it would have been an exclusion on that nail policy anyway if as long as you're comfortable with that.","start":3764.8098,"end":3772.8352,"sentiment":"neutral","sentiment_score":-0.2000491774695761}],"sentiment":"neutral","sentiment_score":-0.1411832011625415,"num_words":122,"start":3739.28,"end":3772.8352},{"sentences":[{"text":"Perfect.","start":3774.8152,"end":3775.2952,"sentiment":"neutral","sentiment_score":0.07292066514492035},{"text":"In terms of the cover amounts, obviously, I said it's a little less IP, but that helps with cost.","start":3775.2952,"end":3779.7952,"sentiment":"neutral","sentiment_score":0.032734653961501624},{"text":"That life and TPD portion, it's mainly just in the event that anything did occur to you.","start":3780.2551,"end":3784.29,"sentiment":"neutral","sentiment_score":0.09615350514650345},{"text":"You do have those funds.","start":3784.37,"end":3785.81,"sentiment":"neutral","sentiment_score":0.07501346245408058},{"text":"Obviously, you do have quite a large balance in terms of super pardon me.","start":3785.81,"end":3789.49,"sentiment":"neutral","sentiment_score":-0.020804390577333316}],"sentiment":"neutral","sentiment_score":0.04309454503735261,"num_words":56,"start":3774.8152,"end":3789.49},{"sentences":[{"text":"And then funds outside of super as well in terms of, like, your assets.","start":3789.49,"end":3792.79,"sentiment":"neutral","sentiment_score":-0.017229325404124602},{"text":"So we don't wanna be ensuring you could too much where you don't need that level of cover given that you're largely debt free.","start":3793.33,"end":3798.945,"sentiment":"neutral","sentiment_score":-0.20492654107511044},{"text":"Perfect.","start":3803.5051,"end":3804.0051,"sentiment":"positive","sentiment_score":0.6364151239395142},{"text":"In terms of, like, insurance through superannuation, obviously, there is a cost to that and the effect on superannuation balance.","start":3804.145,"end":3809.745,"sentiment":"neutral","sentiment_score":0.041153306048363446},{"text":"So the five and ten year impact, obviously, you know, again, taken with a grain of salt.","start":3809.745,"end":3814.225,"sentiment":"neutral","sentiment_score":-0.07141984517083448}],"sentiment":"neutral","sentiment_score":-0.06465925874286577,"num_words":76,"start":3789.49,"end":3814.225},{"sentences":[{"text":"But, you know, if everything was to recur year on year, it would show you just what that would look like versus having current, no insurance, or the recommended insurance in terms of, like, the cost.","start":3814.225,"end":3826.515,"sentiment":"neutral","sentiment_score":-0.03601324320253399},{"text":"Yep.","start":3831.635,"end":3832.135,"sentiment":"neutral","sentiment_score":-0.005031208507716656},{"text":"So that's like minusing a premium from your growth sort of thing to show you what that looks like versus yeah.","start":3834.6748,"end":3842.84,"sentiment":"neutral","sentiment_score":-0.004225055243642558},{"text":"With taking into account the insurance cost and, like, the performance as well.","start":3842.84,"end":3847.74,"sentiment":"neutral","sentiment_score":0.03996883046168547},{"text":"And then it shows you the performance with the new insurance cost.","start":3848.04,"end":3851.6401,"sentiment":"neutral","sentiment_score":0.08171322476118803}],"sentiment":"neutral","sentiment_score":0.0013243297496473932,"num_words":83,"start":3814.225,"end":3851.6401},{"sentences":[{"text":"As I said, you know, highly inflated figures by any means.","start":3851.6401,"end":3855.665,"sentiment":"neutral","sentiment_score":-0.2023254097862677},{"text":"I admit that.","start":3855.665,"end":3856.625,"sentiment":"neutral","sentiment_score":-0.15757968028386435},{"text":"But it just shows you if everything based on, you know, the percentage returns, the insurance costs, what that might look like versus having, like, no insurance and the cost you're paying for that, if that makes sense.","start":3856.625,"end":3867.68,"sentiment":"neutral","sentiment_score":-0.10044939865015055},{"text":"Yeah.","start":3877.98,"end":3878.38,"sentiment":"neutral","sentiment_score":-0.07596845924854279},{"text":"Because, like, it's based on that three year average because, like, it only goes up to to three in terms of what we could project for that.","start":3878.38,"end":3884.745,"sentiment":"neutral","sentiment_score":0.07984601195763659}],"sentiment":"neutral","sentiment_score":-0.05544402291998267,"num_words":80,"start":3851.6401,"end":3884.745},{"sentences":[{"text":"And then to say that those same three years are gonna replicate for the next ten years, you'd be saying, like, the markets are gonna do the exact same thing back to back twice, basically, or three times, which are never gonna occur by by any means.","start":3884.745,"end":3898.7,"sentiment":"neutral","sentiment_score":0.05110411572844741},{"text":"Like, you look at any point of stretching history, like, it it rarely will go like that for that period of time, which is why I say, like, highly inflated because, obviously, it's been quite good for that index investment for those years that, you know, if they have a bad year, quite a stagnant year, that obviously affects returns and same with, you know, good years and bad years sort of thing.","start":3898.7,"end":3920.1052,"sentiment":"neutral","sentiment_score":-0.07076752849229395},{"text":"Those big what?","start":3921.0452,"end":3922.26,"sentiment":"neutral","sentiment_score":-0.06170980508128802},{"text":"Yep.","start":3923.78,"end":3924.1,"sentiment":"neutral","sentiment_score":-0.0002090297639369965},{"text":"Sorry.","start":3924.1,"end":3924.6,"sentiment":"neutral","sentiment_score":-0.022531233727931976}],"sentiment":"neutral","sentiment_score":-0.023776046555489302,"num_words":125,"start":3884.745,"end":3924.6},{"sentences":[{"text":"So with that one as well with that, like, expectation setting is one of it.","start":3953.97,"end":3958.85,"sentiment":"neutral","sentiment_score":0.08771855210264524},{"text":"And then to say to someone, you know, that's twenty years away from retirement that this is what you're you're gonna get, it is, like, with the world and why things are yeah.","start":3958.85,"end":3968.795,"sentiment":"neutral","sentiment_score":0.028680101093469246},{"text":"Yeah.","start":3969.815,"end":3970.055,"sentiment":"neutral","sentiment_score":0.21842962503433228},{"text":"So we we obviously try and keep aligned with what you're wanting to achieve and trying to get you there, which is why we do these updates and things like that as well.","start":3970.055,"end":3978.03,"sentiment":"positive","sentiment_score":0.35301835428584705},{"text":"But as far as, like, what you originally projected, I'd have to go back and have a look and see what that that look like in terms of, like, the figures to see if I I could see that.","start":3979.29,"end":3989.2249,"sentiment":"neutral","sentiment_score":0.04246573780591671}],"sentiment":"neutral","sentiment_score":0.13046628684729092,"num_words":121,"start":3953.97,"end":3989.2249},{"sentences":[{"text":"But we do have, like, your goal of what you're trying to achieve by retirement and the income in retirement, which is what more so I'm basing on.","start":3989.2249,"end":3996.7449,"sentiment":"positive","sentiment_score":0.4933644070156983},{"text":"It's getting that sort of $1,700 per week in retirement and trying to get there.","start":3996.7449,"end":4002.05,"sentiment":"positive","sentiment_score":0.5244958539803822},{"text":"And as you get to get closer, that's when we start, you know, doing those drawdown calculators and seeing what that looks like and pushing out and stepping out what those drawdowns look like and how long that might last you and whether or not, you know, we're achieving that goal or not.","start":4002.05,"end":4015.025,"sentiment":"neutral","sentiment_score":0.20503319146217042},{"text":"But to do that now when you're sort of fifteen years away from potentially hanging up the boots, you could work longer, you might not.","start":4015.9648,"end":4021.7449,"sentiment":"neutral","sentiment_score":-0.10428527042269707},{"text":"There's a bit bit too many variables there that that I'm I'm not gonna include that in an advice document to say that, like, a 100 percent we're there.","start":4022.2048,"end":4030.9,"sentiment":"neutral","sentiment_score":-0.07475373482909696}],"sentiment":"neutral","sentiment_score":0.1851560685535272,"num_words":150,"start":3989.2249,"end":4030.9},{"sentences":[{"text":"When a year from now, like, if the markets go great, you're above that goal.","start":4031.1199,"end":4034.96,"sentiment":"neutral","sentiment_score":-0.059541506320238115},{"text":"If it has a bad year, then you're below that goal sort of thing.","start":4034.96,"end":4037.8398,"sentiment":"negative","sentiment_score":-0.3762824705668858},{"text":"Like, that's why Yeah.","start":4037.8398,"end":4063.74,"sentiment":"neutral","sentiment_score":-0.05253719165921211},{"text":"You get within, like, the ten year mark of, like, your retirement.","start":4063.74,"end":4066.46,"sentiment":"neutral","sentiment_score":0.15054860338568687},{"text":"So if you are 55, that's when you can sort of start looking and projecting it a little bit more.","start":4066.46,"end":4070.46,"sentiment":"neutral","sentiment_score":0.17168626524508}],"sentiment":"neutral","sentiment_score":-0.017398729289953525,"num_words":65,"start":4031.1199,"end":4070.46},{"sentences":[{"text":"It's still quite a ways out, but it's not fifteen years away, if that makes sense.","start":4070.46,"end":4075.635,"sentiment":"neutral","sentiment_score":-0.04423847398720682},{"text":"And then given that, like, obviously, you had the COVID run and things like that, which is a lot harder to predict for, so that has put you in a bit of a back foot.","start":4075.635,"end":4083.875,"sentiment":"neutral","sentiment_score":-0.14737539355243956},{"text":"But you've still got plenty of working life behind you in terms of that.","start":4083.875,"end":4087.64,"sentiment":"neutral","sentiment_score":-0.05190380822334971},{"text":"And, you know, in the next five years, like, we might see how things go.","start":4087.64,"end":4091.56,"sentiment":"neutral","sentiment_score":-0.035840303947528206},{"text":"Obviously, you do your annual reviews.","start":4091.56,"end":4093.0798,"sentiment":"neutral","sentiment_score":0.02920334196339051}],"sentiment":"neutral","sentiment_score":-0.08087200210104849,"num_words":86,"start":4070.46,"end":4093.0798},{"sentences":[{"text":"If you do another twelve months from now and you're still really not happy with the service, you can go go above me and have a chat with someone else and see what you wanna do with things, whether or not you wanna move back to an industry fund or whether, you know, you wanna speak to a different adviser.","start":4093.0798,"end":4106.005,"sentiment":"neutral","sentiment_score":-0.15565338755647343},{"text":"I take no no offense.","start":4106.005,"end":4107.545,"sentiment":"neutral","sentiment_score":0.021494175493717193},{"text":"It's your money at the end of the day, Zoran, and it's whatever you wanna do with it.","start":4107.8447,"end":4111.2,"sentiment":"neutral","sentiment_score":0.28212425029940075},{"text":"I'm obviously here to make my recommendation.","start":4111.2,"end":4112.82,"sentiment":"positive","sentiment_score":0.38059607573917936},{"text":"But if you don't feel that that best to you, then I'm I'm probably not doing my my job that great anyway.","start":4112.88,"end":4118.16,"sentiment":"neutral","sentiment_score":-0.15495137734846634}],"sentiment":"neutral","sentiment_score":-0.043734407518059015,"num_words":112,"start":4093.0798,"end":4118.16},{"sentences":[{"text":"So you can go to wherever you feel like you're getting the most value for your money or getting the what you expect or what you want out of things.","start":4118.16,"end":4125.255,"sentiment":"neutral","sentiment_score":0.13163859844207765},{"text":"Yep.","start":4133.975,"end":4134.375,"sentiment":"neutral","sentiment_score":0.12430822104215622},{"text":"Well, in terms of that, that is, like, the gist of most obviously, I could go a bit more into the alternatives and the the advantages and disadvantages, but that is, like, the the superannuation, the investment side of things, and the insurance side of things with the touching on the the salary sacrifice part.","start":4134.375,"end":4148.5103,"sentiment":"neutral","sentiment_score":0.04408346956426447},{"text":"So the main key points I do need to touch on there are just the the what we do receive.","start":4148.5103,"end":4153.79,"sentiment":"neutral","sentiment_score":0.23181526660919188},{"text":"So the upfront, if we were to rewrite that Clearview, we do get 66% of the upfront premium for that.","start":4153.79,"end":4160.285,"sentiment":"neutral","sentiment_score":0.2871987380087376}],"sentiment":"neutral","sentiment_score":0.13395505629125096,"num_words":126,"start":4118.16,"end":4160.285},{"sentences":[{"text":"That's not an additional cost you pay.","start":4160.285,"end":4161.965,"sentiment":"neutral","sentiment_score":0.2769786204610552},{"text":"That's just what we get paid from the insurer for setting it up and going through that process of doing the application and setting it up for you.","start":4161.965,"end":4167.87,"sentiment":"positive","sentiment_score":0.3684270190341132},{"text":"And then the adviser fee is at 1.1.","start":4168.5903,"end":4171.63,"sentiment":"neutral","sentiment_score":0.18961217068135738},{"text":"So moving forward there as well, you do have that 1.1% fee, which is nice that that got knocked down not too long ago at the end of last year.","start":4171.63,"end":4179.39,"sentiment":"positive","sentiment_score":0.4899037073055903},{"text":"So that'll also help in those ongoing costs.","start":4179.39,"end":4181.73,"sentiment":"positive","sentiment_score":0.3412348460406065}],"sentiment":"positive","sentiment_score":0.3851690645571108,"num_words":81,"start":4160.285,"end":4181.73},{"sentences":[{"text":"That $3.09 $3.02 is that annual premium, and then the 22% premium is what we get from the insurer premium.","start":4182.395,"end":4189.935,"sentiment":"neutral","sentiment_score":0.1599017324808397},{"text":"That's not an additional cost to you.","start":4190.155,"end":4191.995,"sentiment":"neutral","sentiment_score":0.3136008211544582},{"text":"That way, you get remunerated for maintaining that policy.","start":4191.995,"end":4194.735,"sentiment":"positive","sentiment_score":0.5114099615150027},{"text":"We're just happy to disclose it because it's something that we do receive.","start":4195.275,"end":4198.1,"sentiment":"positive","sentiment_score":0.6421242814797622},{"text":"We don't get conflict of remuneration for many of our other investments, things like that.","start":4198.1,"end":4202.12,"sentiment":"positive","sentiment_score":0.3842958142360052}],"sentiment":"positive","sentiment_score":0.3801282728830027,"num_words":64,"start":4182.395,"end":4202.12},{"sentences":[{"text":"So everything that we get for managing your accounts disclosed there on page 32 in terms of the premium from the insurer that we get and then the advice fee we get from your superannuation as well.","start":4202.42,"end":4212.855,"sentiment":"positive","sentiment_score":0.3959184715876708},{"text":"Yep.","start":4216.435,"end":4216.935,"sentiment":"neutral","sentiment_score":0.3123147189617157},{"text":"And then, obviously, if you were happy with everything, we would, in the back end, change those underlying investments for you.","start":4217.235,"end":4222.61,"sentiment":"neutral","sentiment_score":0.24636438630876087},{"text":"If you do wanna hold off a little bit longer there as well, feel free to let us know.","start":4222.61,"end":4226.23,"sentiment":"neutral","sentiment_score":0.10845431371739037},{"text":"We can hold off and see how Benelawn's tracking and implement a bit later, all sort of things in regards to that.","start":4226.45,"end":4231.81,"sentiment":"neutral","sentiment_score":0.29425823417576874}],"sentiment":"neutral","sentiment_score":0.28669263392686845,"num_words":100,"start":4202.42,"end":4231.81},{"sentences":[{"text":"In regards to superannuation and your salary sacrifice, you've already increased that.","start":4231.81,"end":4236.225,"sentiment":"neutral","sentiment_score":0.07660211157053709},{"text":"So just keep an eye on that, check your myGov, make sure you're not gonna exceed that 30,000.","start":4236.305,"end":4240.325,"sentiment":"neutral","sentiment_score":0.006197466308044063},{"text":"Give us a call even.","start":4241.025,"end":4241.985,"sentiment":"neutral","sentiment_score":0.07267961353063583},{"text":"We can tell you how much you've actually contributed to the fund.","start":4241.985,"end":4244.065,"sentiment":"neutral","sentiment_score":0.10861598514020443},{"text":"But as I said, we can't tell when your employer contribution's exactly gonna pay or how much it's gonna be because you've got the payslips there.","start":4244.065,"end":4250.305,"sentiment":"neutral","sentiment_score":-0.004187471734789701}],"sentiment":"neutral","sentiment_score":0.035461580227703265,"num_words":73,"start":4231.81,"end":4250.305},{"sentences":[{"text":"You'd know more than me.","start":4250.305,"end":4251.51,"sentiment":"neutral","sentiment_score":-0.0006722313351929188},{"text":"And then if you are happy with everything, we'd get you booked in for that personal statement there with one of my colleagues, and they'd go through that application, apply for those ClearView insurances.","start":4251.9897,"end":4260.57,"sentiment":"neutral","sentiment_score":0.3218860810293871},{"text":"Now with that as well, once we're applying for those, we're not canceling your nails straight away.","start":4261.11,"end":4265.75,"sentiment":"neutral","sentiment_score":0.11372242670725374},{"text":"We wouldn't do that until your ClearViews enforce.","start":4265.75,"end":4267.955,"sentiment":"neutral","sentiment_score":0.006272571161389351},{"text":"Worst case scenario is something pops up, you get declined, we just keep the Neos policy, and we let them know about the nondisclosure.","start":4268.1753,"end":4274.835,"sentiment":"neutral","sentiment_score":-0.1621453744980196}],"sentiment":"neutral","sentiment_score":0.10264475492824038,"num_words":88,"start":4250.305,"end":4274.835},{"sentences":[{"text":"If you don't wanna tell them about it, then we just don't run that risk.","start":4274.975,"end":4278.115,"sentiment":"neutral","sentiment_score":-0.11515635251998901},{"text":"But in the meantime, you'll still have that Neos policy and be covered until such time we that clear your policy in force.","start":4278.975,"end":4285.5,"sentiment":"neutral","sentiment_score":0.03218767913463323},{"text":"Once that's canceled, the remaining of the twelve month premium that you have paid, you get refunded to your account from that Neos policy as well.","start":4285.64,"end":4294.465,"sentiment":"neutral","sentiment_score":0.042705351271881506},{"text":"No problem.","start":4295.605,"end":4295.8853,"sentiment":"neutral","sentiment_score":0.1368953436613083},{"text":"Do you have any other questions?","start":4295.8853,"end":4297.785,"sentiment":"neutral","sentiment_score":0.06416167008380096}],"sentiment":"neutral","sentiment_score":0.010862099627653757,"num_words":72,"start":4274.975,"end":4297.785},{"sentences":[{"text":"Yeah.","start":4306.4854,"end":4306.92,"sentiment":"neutral","sentiment_score":0.06043815612792969},{"text":"Grab a highlighter then.","start":4306.92,"end":4308.46,"sentiment":"neutral","sentiment_score":0.07088210247457027},{"text":"Yeah.","start":4316.76,"end":4317.26,"sentiment":"neutral","sentiment_score":0.07002900540828705},{"text":"Feel free to call up, put another booking in.","start":4317.7197,"end":4319.4,"sentiment":"neutral","sentiment_score":0.21521050069067213},{"text":"I'm happy to have a chat.","start":4319.4,"end":4320.36,"sentiment":"positive","sentiment_score":0.5944848457972208}],"sentiment":"neutral","sentiment_score":0.2817999596397082,"num_words":21,"start":4306.4854,"end":4320.36},{"sentences":[{"text":"Obviously, it's a lot of information coming at you.","start":4320.36,"end":4323.215,"sentiment":"positive","sentiment_score":0.35244136055310565},{"text":"But, yeah, you've technically got 60, so within the thirty, as long as you confirm after that that you've nothing's changed in regards to your circumstances or asset liabilities, the SOA is still fine, then if you got another 30 after that.","start":4323.5947,"end":4336.235,"sentiment":"neutral","sentiment_score":0.1254889356593291},{"text":"So even if you push that right out to see how Ben Long's tracking and then having another conversation towards the end there, more than more than happy with that.","start":4336.235,"end":4343.27,"sentiment":"positive","sentiment_score":0.3633735438187917},{"text":"You can just get it booked in as well.","start":4343.27,"end":4345.05,"sentiment":"neutral","sentiment_score":0.24270258181624943},{"text":"No problem, Zoran.","start":4347.43,"end":4348.23,"sentiment":"neutral","sentiment_score":0.093783900141716}],"sentiment":"neutral","sentiment_score":0.23450955692478406,"num_words":93,"start":4320.36,"end":4348.23},{"sentences":[{"text":"Anything else for me while you've got me there just in regards to the yeah.","start":4348.23,"end":4357.1553,"sentiment":"neutral","sentiment_score":0.04354106771449248},{"text":"That's not a problem, Zoran.","start":4359.535,"end":4360.735,"sentiment":"positive","sentiment_score":0.3680781304836273},{"text":"I'm happy to.","start":4360.735,"end":4361.6953,"sentiment":"positive","sentiment_score":0.4960482319196065},{"text":"Again, apologize if you ever feel like you got the most out of service so far, but hopefully that changed moving moving forward if you're happy to stay with us there.","start":4361.6953,"end":4368.95,"sentiment":"neutral","sentiment_score":0.19530351868560236},{"text":"Too easy.","start":4371.17,"end":4371.73,"sentiment":"positive","sentiment_score":0.53954216837883}],"sentiment":"neutral","sentiment_score":0.19848472821260138,"num_words":56,"start":4348.23,"end":4371.73},{"sentences":[{"text":"You enjoy the rest of your afternoon there, Zoran.","start":4371.73,"end":4373.33,"sentiment":"positive","sentiment_score":0.6493751936488681},{"text":"Thanks for your time.","start":4373.33,"end":4374.23,"sentiment":"positive","sentiment_score":0.6340465843677521},{"text":"Thanks, man.","start":4376.29,"end":4376.93,"sentiment":"positive","sentiment_score":0.3653670996427536},{"text":"Bye.","start":4376.93,"end":4377.43,"sentiment":"neutral","sentiment_score":0.1801179051399231}],"sentiment":"positive","sentiment_score":0.5807134490460157,"num_words":16,"start":4371.73,"end":4377.43}]}}]},{"alternatives":[{"transcript":"Hello. Zoran speaking. Good, mate. How are you? Yeah. Yeah. Definitely it. July 11. 731098 Miles Avenue, Waters Bay, New South Wales 2282. Yeah. Life is unchanged. Still in the same job. Still got some savings in just, yeah, in a normal account sort of thing. And yeah. Yeah. I've started salary sacrificing a lot more. I think I'm putting in, like, something like close to maybe twelve, thirteen thousand per year extra sort of thing. I'm trying to stay on the 30 sort of that's about it. Yeah. Yep. No problem. Yeah. I don't have access to computer, like, at the moment, like, on the phone. Is that gonna be issue? Or Sure. Yep. Yep. Yeah. Yeah. Yeah. I haven't moved on that really. I'm just being bit of a yeah. In limbo with everything. I just want to let you know, I just picked up my partner's computer. So I was able to log in to the email. So I can see actually one, two, three, four, five, six, seven different documents here. So I keep looking at it. Yeah. Open up a device. Yep. K. I'm just waiting for it to open. It's not happening this year. So you're talking about the the ones that have gone down, the shitter? Alright. Yes. I am. Okay. So I've just opened this document. Sorry. The computer is really slow. I don't know why. But, yeah, I've managed to open this. I'm just the the pages are really slow to load. Scope of advice considered. So that's where I've got economy. Yeah. Yeah. Yep. 678. On PiJite. Did you say sorry. Oh, that's 57. Right. Yeah. It's on 52783. Not sure. Yeah. The details look alright. Yep. I don't know. What what do you guys suggest? Like, I'm I'm a little bit like I'm not happy. Is does high growth mean, like, I'm not I don't understand this. Like, why did we bunch, like, 30 something percent of my whole super into that one fund, so that equity fund. Does that mean, like, when you're in a high growth that that's what they do? Or can you explain me that? I don't get that. Like, if I say, yeah, I'm happy to be in a high growth, I don't want everything, like, lumped into into one thing and then one egg gets one broken lumped, like yeah. I'll lose a lot of money sort of thing. I think Ken. Like, I think I was dealing directly with Savvy back then. So surely, he can explain why we've done that. I would like explanation because I'm I'm still a little bit pissed off that, like, there's 32% almost in those funds. Like, I don't know why who made that decision. I they asked me if I would like to be in high growth. I said, yeah. At the time of of my life when they asked me. Yeah. But I didn't realize they were gonna just put kind of all eggs in in in one basket with with that. Yeah. Yep. Yes. Yes. Yeah. Yeah. Not not not really, but yeah. I I would still like someone who I know you're saying it wasn't you who made those decisions back then and didn't have those conversations with me, but can somebody even, like, can explain to me, like, like I said, I don't know. Like, I I transferred from Super, like, Industry Super to you guys. I've been with you, I don't know, five or six years now. I'm really not seeing much benefit except for, like, paying high fees. Like, I feel like there's a lot of excuses all the time. And I know there was a COVID and this and that, but, like, now this with like, I don't know how my supate's managed. Like, I don't know what's managed there when I don't know. Just made a huge loss. Like and this fund, like, with with the with the Benelon. Like, it wasn't like it crashed last November or whatever and because of the the corporate traveler. It's been underperforming for for a lot longer than that. Like, so if that was the case, why wasn't something done about it? Like, why wasn't our boss say, hey. Would you still have to make any changes? Are you comfortable with this? Or, like, I had no advice on that. That's what I'm asking. I don't know if that's how it works with with you guys, but, yeah, I would have thought somebody would have maybe mentioned something because it's Yes. Yes. Yeah. What does that mean inactive portion? I'm sorry. I don't understand a lot of these terms. That's one thing not a problem. Yes. Yep. Yep. I see. Yes. I think so. Can I just ask you, sir, with this moving forward, so you're suggesting to to reshape things slightly, like, to to move it out of active funds, all that? But does that mean, like, crystallizing the loss and and moving forward? Or is that what that means? Like, I'll be accepting that. Yeah. Is that folks you're you're talking about? You're moving away from there? Okay. What what like, if I say I would accept the loss, like, what am I looking at? Like, in the figures, is that possible to be sort of summarized? Or is that not not something that's not clear? Thanks, mate. I'm just trying to understand all this so I could do this is a lot of things that you're talking about. I I I'm very, yeah, sort of, uneducated about, like, some terms I don't understand and stuff. So that's why I'm asking a lot of questions. I apologize. Yeah. Yes. Okay. But it feels like when I look at my year today, like you say, if I look from today's date back twelve months, it feels like my my balance is exactly the same to what I had twelve months ago. But then I put in, like, say, $25,000 at least. And also that means there was no gains or anything. So it's a lot more than $7,000, it seems. Yes. Yeah. Yep. Yes. Yes. And is that all because of Enelone? Okay. So it'll be around $25,000 in my understanding. Alright? If we change things, like, if we move away from Benelon. Mhmm. So as a like, if you were to give me advice, would you suggest that we maybe hang on to a bit longer to see if it's gonna rebound a bit more and recover something? Or do you think it's time just to move away from it? Like, I know you don't know crystal ball, but you know a lot more than I would with with what's happening with the market and stuff and and where where yeah. Mhmm. But would that be smart strategy if I say, yeah, let's just move away from them and, like, crystallize the loss and stuff? Like, that that's a lot of money. So or or would there better be would you suggest a better strategy maybe to wait a few months and see how they go? Or, like, what's smarter sort of strategy as an investor? So on top of moving away from it, I I would also be potentially paying out, like, capital gains on forever. They might be which would be That's alright. Yeah. Yeah. Yeah. Okay. Yeah. What what what's it done since the actual things went down in November? Like, is it like, any recovery sort of thing? So essentially, if I stay, all the money that I'm putting in, I might be just, like, losing it basically by keeping this fund. Is that We should be on backwards. Yeah. Yeah. Yeah. Okay. Well, look, if if your advice, like you said, yeah, you put advice together and you think we should be moving away from it, then I guess, yeah, let's do that. Yeah. Yes. Yes. Yes. Okay. Yeah. Yeah. So my understanding is, like, we'll be getting the Ben along and we'll be moving away from having that active management part and just using the 500, whatever it's called. K. Yeah. Yes. Okay. Yeah. And does that mean, like, moving forward, I would still stay in the high as a high growth? Or What does the ninety ten mean? Sorry. Roughly. Oh, yeah. Yep. Yep. So high growth is ninety ten. What's the the one if you go one step down on the on the risk sort of scale would be immediate? Yes, sir. Okay. Would that be a safe option for me perhaps with the years that I've got left in my, like, working life. Yes. Alright. So you you what you're saying is, like, I I should be okay to stay in the high growth till at least around age 60 or something and then look at maybe winding down a bit. Right. Alright. Yeah. Yeah. Yeah. Yep. Yep. Yep. No. That's that makes a bit more sense. Alrighty. I will read it. Yeah. Sorry. That was my question, but I'm ready. Okay. Yep. Sort of. Yeah. I'm I'm just looking at the on the page seventeen, nineteen, whatever. It's page 16. So that that shows all my investments there. Yeah? Yeah. Yes. I see it. Yeah. Yeah. Yeah. No problem. Well, thank you. I'll I'll definitely I'll put him today at work, and I'll have a good read of it. That's okay. What page? Sorry. 79. Yep. Okay. Yep. Yep. Yeah. Yep. Yeah. Yep. With the net with the contribution, I'm just looking on that same page. Was it page 18? Net contributions per annum. So sixteen seven six two, that's what the work contributes? That's without the voluntary contributions? Is that correct? Yeah. And recommended is what you recommending to, like, to get up to by adding another 9,800, like, through voluntary contribution? Alright. It looks 15% or something. Okay. And I did you say I can check on the myGov how much I'm up to up to date with you, like, up to what the year is up to, sort of how much I've already contributed? Okay. Okay. I'll have a look at the myGov. I didn't realize that you could do that. I know you've mentioned it once before as well, but I haven't looked at it. Okay. Yes. Have they have they changed the rules with that? It was, like, every three months and now it has to be, like, monthly or something? Yep. Yep. Yeah. A quarterly is that, like, a min a a minimum sort of you have to do it quarterly. Yeah. Okay. No worries. Yeah. Okay. Thank you. I'm just looking the last one, three year rolling average. So currently, high growth returns around 13.8. Right? Is that what that means? Yep. Okay. And what what does recommended mean? $18.99 is that if we go with your advice, that's what it should sort of look like. Like, if you have a crystal ball. Yeah. Yep. Yeah. Mhmm. Yeah. Alright. Yep. Alright. Yeah. We can keep moving. Yes. Okay. Okay. So I should do I should be able to check that with my with work as well, like the account that works should be able to advise me. Yeah. Alright. Yep. No worries. Thanks. Alright. Yep. Yep. Yep. Yep. Yeah. But given my given my and everything, do you think it's a smart strategy to just keep doing salary sacrificing up to $30 thousand dollar account? Yes. Yeah. Yeah. Yeah. Yeah. No worries. Yes. Not far. Fine. Yep. No. Yep. Yep. Can I start here quickly on the page 23, it says yearly premium? So that that's what the new premium would be, $2,506.07 a month. Oh. Oh, that's how it works. Yep. I was thinking hang on. The the should that be the other way around? But I know what you mean now. Yep. Yep. Yeah. Yeah. Yes. Yeah. Yep. I'm sure I've mentioned everything as like, everything that they've asked me. How would they otherwise know that I have a tendon replacement if I didn't mention it? Yeah. Yep. Okay. Okay. So it won't affect me going forward, what you're saying, because it's on there. Yep. Yep. Yeah. Yeah. Yes. Yep. So if I have yeah. That's why look. I I don't know how that got excluded. It certainly wasn't deliberate. Like, I've I've had the injury. It was a yeah. It required a few surgeries and tendon transplants and all that. Like, I I answered the questions whatever they've asked me at the time, but I've had But if they're on forward yeah. If if I have an injury on this same leg, as long as it's not that tendon or to do anything to do with that old injury, I would be still covered even though it's on that same leg. But if it's totally different yeah. That's alright. Yeah. Yeah. Yeah. Yeah. Yeah. I get that. Yep. No problem. Yeah. Of course. Yeah. I yeah. Yeah. Yeah. I am. Yep. Yep. I'm comfortable. Yeah. I'm comfortable with what you proposed. That's okay. What does that mean? Sorry. I'm just looking at that page. It says 4,995 premium. What is the five year impact mean? That's like a projected growth and that's fine. Yes. So when you say highly inflated, like, I shouldn't be looking at the ten year impact and think I'll end up with 1,880,000.00 or something like that. Yep. Yes. Yep. Fair enough. I just want to ask to, like, when I first signed with you guys, like, a savvy sit down and said, okay. So what do you where do you wanna be when you retire? What how much income would you be comfortable in today's dollars to retire on? Are we how do we how do we track that? Like, how do we know if we are still on that? Like, do you have that, like, plan still, like, in in the system? Or is that is that how it works? Or I know. It's fine. That's fine. Yeah. Mhmm. Yeah. Yeah. Yeah. Yeah. Yeah. That's oh, yeah. Yeah. I was more aiming to, like when I was asking that is, like, okay. I've been with you guys for five or six years. If things were, like, for the next five or six years similar and then or and going forward, are we looking like, yep, it's somewhere there sort of thing where we where we're heading or or not. That that's what I meant, if that makes sense. Yeah. Yes. Yeah. Yes. Yeah. Yeah. Yeah. Yeah. Yeah. Okay. Yeah. Well, we we can keep going if you like. Oh, yeah. Yes. Yep. Yeah. Alright. Yep. Yeah. Okay. Yeah. No problem. Thank you, mate. Yeah. I'll I'll no. Not really. At this stage, I'll I'll read everything that's in the document. I'll print it out. I think I find it easier to bring it on the paper. So yeah, I'll get back to you. You said within thirty days or so. Yeah. I'll I'll get back to you and we'll, yeah, go from there. Thank you, mate. Yes. Yes. No problem. Thank you. No. Not really. Not I think we've talked a lot about everything. Thank you. Thank you for answering all my questions. No worries. Thank you, mate. You too. Thank you for your time too. 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Zoran speaking. Good, mate. How are you? Yeah.\n\nYeah. Definitely it. July 11. 731098 Miles Avenue, Waters Bay, New South Wales 2282. Yeah.\n\nLife is unchanged. Still in the same job. Still got some savings in just, yeah, in a normal account sort of thing. And yeah. Yeah.\n\nI've started salary sacrificing a lot more. I think I'm putting in, like, something like close to maybe twelve, thirteen thousand per year extra sort of thing. I'm trying to stay on the 30 sort of that's about it. Yeah. Yep.\n\nNo problem. Yeah. I don't have access to computer, like, at the moment, like, on the phone. Is that gonna be issue? Or Sure.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nI haven't moved on that really. I'm just being bit of a yeah. In limbo with everything. I just want to let you know, I just picked up my partner's computer. So I was able to log in to the email.\n\nSo I can see actually one, two, three, four, five, six, seven different documents here. So I keep looking at it. Yeah. Open up a device. Yep.\n\nK. I'm just waiting for it to open. It's not happening this year. So you're talking about the the ones that have gone down, the shitter? Alright.\n\nYes. I am. Okay. So I've just opened this document. Sorry.\n\nThe computer is really slow. I don't know why. But, yeah, I've managed to open this. I'm just the the pages are really slow to load. Scope of advice considered.\n\nSo that's where I've got economy. Yeah. Yeah. Yep. 678.\n\nOn PiJite. Did you say sorry. Oh, that's 57. Right. Yeah.\n\nIt's on 52783. Not sure. Yeah. The details look alright. Yep.\n\nI don't know. What what do you guys suggest? Like, I'm I'm a little bit like I'm not happy. Is does high growth mean, like, I'm not I don't understand this. Like, why did we bunch, like, 30 something percent of my whole super into that one fund, so that equity fund.\n\nDoes that mean, like, when you're in a high growth that that's what they do? Or can you explain me that? I don't get that. Like, if I say, yeah, I'm happy to be in a high growth, I don't want everything, like, lumped into into one thing and then one egg gets one broken lumped, like yeah. I'll lose a lot of money sort of thing.\n\nI think Ken. Like, I think I was dealing directly with Savvy back then. So surely, he can explain why we've done that. I would like explanation because I'm I'm still a little bit pissed off that, like, there's 32% almost in those funds. Like, I don't know why who made that decision.\n\nI they asked me if I would like to be in high growth. I said, yeah. At the time of of my life when they asked me. Yeah. But I didn't realize they were gonna just put kind of all eggs in in in one basket with with that.\n\nYeah. Yep. Yes. Yes. Yeah.\n\nYeah. Not not not really, but yeah. I I would still like someone who I know you're saying it wasn't you who made those decisions back then and didn't have those conversations with me, but can somebody even, like, can explain to me, like, like I said, I don't know. Like, I I transferred from Super, like, Industry Super to you guys. I've been with you, I don't know, five or six years now.\n\nI'm really not seeing much benefit except for, like, paying high fees. Like, I feel like there's a lot of excuses all the time. And I know there was a COVID and this and that, but, like, now this with like, I don't know how my supate's managed. Like, I don't know what's managed there when I don't know. Just made a huge loss.\n\nLike and this fund, like, with with the with the Benelon. Like, it wasn't like it crashed last November or whatever and because of the the corporate traveler. It's been underperforming for for a lot longer than that. Like, so if that was the case, why wasn't something done about it? Like, why wasn't our boss say, hey.\n\nWould you still have to make any changes? Are you comfortable with this? Or, like, I had no advice on that. That's what I'm asking. I don't know if that's how it works with with you guys, but, yeah, I would have thought somebody would have maybe mentioned something because it's Yes.\n\nYes. Yeah. What does that mean inactive portion? I'm sorry. I don't understand a lot of these terms.\n\nThat's one thing not a problem. Yes. Yep. Yep. I see.\n\nYes. I think so. Can I just ask you, sir, with this moving forward, so you're suggesting to to reshape things slightly, like, to to move it out of active funds, all that? But does that mean, like, crystallizing the loss and and moving forward? Or is that what that means?\n\nLike, I'll be accepting that. Yeah. Is that folks you're you're talking about? You're moving away from there? Okay.\n\nWhat what like, if I say I would accept the loss, like, what am I looking at? Like, in the figures, is that possible to be sort of summarized? Or is that not not something that's not clear? Thanks, mate. I'm just trying to understand all this so I could do this is a lot of things that you're talking about.\n\nI I I'm very, yeah, sort of, uneducated about, like, some terms I don't understand and stuff. So that's why I'm asking a lot of questions. I apologize. Yeah. Yes.\n\nOkay. But it feels like when I look at my year today, like you say, if I look from today's date back twelve months, it feels like my my balance is exactly the same to what I had twelve months ago. But then I put in, like, say, $25,000 at least. And also that means there was no gains or anything. So it's a lot more than $7,000, it seems.\n\nYes. Yeah. Yep. Yes. Yes.\n\nAnd is that all because of Enelone? Okay. So it'll be around $25,000 in my understanding. Alright? If we change things, like, if we move away from Benelon.\n\nMhmm. So as a like, if you were to give me advice, would you suggest that we maybe hang on to a bit longer to see if it's gonna rebound a bit more and recover something? Or do you think it's time just to move away from it? Like, I know you don't know crystal ball, but you know a lot more than I would with with what's happening with the market and stuff and and where where yeah. Mhmm.\n\nBut would that be smart strategy if I say, yeah, let's just move away from them and, like, crystallize the loss and stuff? Like, that that's a lot of money. So or or would there better be would you suggest a better strategy maybe to wait a few months and see how they go? Or, like, what's smarter sort of strategy as an investor? So on top of moving away from it, I I would also be potentially paying out, like, capital gains on forever.\n\nThey might be which would be That's alright. Yeah. Yeah. Yeah. Okay.\n\nYeah. What what what's it done since the actual things went down in November? Like, is it like, any recovery sort of thing? So essentially, if I stay, all the money that I'm putting in, I might be just, like, losing it basically by keeping this fund. Is that We should be on backwards.\n\nYeah. Yeah. Yeah. Okay. Well, look, if if your advice, like you said, yeah, you put advice together and you think we should be moving away from it, then I guess, yeah, let's do that.\n\nYeah. Yes. Yes. Yes. Okay.\n\nYeah. Yeah. So my understanding is, like, we'll be getting the Ben along and we'll be moving away from having that active management part and just using the 500, whatever it's called. K. Yeah.\n\nYes. Okay. Yeah. And does that mean, like, moving forward, I would still stay in the high as a high growth? Or What does the ninety ten mean?\n\nSorry. Roughly. Oh, yeah. Yep. Yep.\n\nSo high growth is ninety ten. What's the the one if you go one step down on the on the risk sort of scale would be immediate? Yes, sir. Okay. Would that be a safe option for me perhaps with the years that I've got left in my, like, working life.\n\nYes. Alright. So you you what you're saying is, like, I I should be okay to stay in the high growth till at least around age 60 or something and then look at maybe winding down a bit. Right. Alright.\n\nYeah. Yeah. Yeah. Yep. Yep.\n\nYep. No. That's that makes a bit more sense. Alrighty. I will read it.\n\nYeah. Sorry. That was my question, but I'm ready. Okay. Yep.\n\nSort of. Yeah. I'm I'm just looking at the on the page seventeen, nineteen, whatever. It's page 16. So that that shows all my investments there.\n\nYeah? Yeah. Yes. I see it. Yeah.\n\nYeah. Yeah. No problem. Well, thank you. I'll I'll definitely I'll put him today at work, and I'll have a good read of it.\n\nThat's okay. What page? Sorry. 79. Yep.\n\nOkay. Yep. Yep. Yeah. Yep.\n\nYeah. Yep. With the net with the contribution, I'm just looking on that same page. Was it page 18? Net contributions per annum.\n\nSo sixteen seven six two, that's what the work contributes? That's without the voluntary contributions? Is that correct? Yeah. And recommended is what you recommending to, like, to get up to by adding another 9,800, like, through voluntary contribution?\n\nAlright. It looks 15% or something. Okay. And I did you say I can check on the myGov how much I'm up to up to date with you, like, up to what the year is up to, sort of how much I've already contributed? Okay.\n\nOkay. I'll have a look at the myGov. I didn't realize that you could do that. I know you've mentioned it once before as well, but I haven't looked at it. Okay.\n\nYes. Have they have they changed the rules with that? It was, like, every three months and now it has to be, like, monthly or something? Yep. Yep.\n\nYeah. A quarterly is that, like, a min a a minimum sort of you have to do it quarterly. Yeah. Okay. No worries.\n\nYeah. Okay. Thank you. I'm just looking the last one, three year rolling average. So currently, high growth returns around 13.8.\n\nRight? Is that what that means? Yep. Okay. And what what does recommended mean?\n\n$18.99 is that if we go with your advice, that's what it should sort of look like. Like, if you have a crystal ball. Yeah. Yep. Yeah.\n\nMhmm. Yeah. Alright. Yep. Alright.\n\nYeah. We can keep moving. Yes. Okay. Okay.\n\nSo I should do I should be able to check that with my with work as well, like the account that works should be able to advise me. Yeah. Alright. Yep. No worries.\n\nThanks. Alright. Yep. Yep. Yep.\n\nYep. Yeah. But given my given my and everything, do you think it's a smart strategy to just keep doing salary sacrificing up to $30 thousand dollar account? Yes. Yeah.\n\nYeah. Yeah. Yeah. No worries. Yes.\n\nNot far. Fine. Yep. No. Yep.\n\nYep. Can I start here quickly on the page 23, it says yearly premium? So that that's what the new premium would be, $2,506.07 a month. Oh. Oh, that's how it works.\n\nYep. I was thinking hang on. The the should that be the other way around? But I know what you mean now. Yep.\n\nYep. Yeah. Yeah. Yes. Yeah.\n\nYep. I'm sure I've mentioned everything as like, everything that they've asked me. How would they otherwise know that I have a tendon replacement if I didn't mention it? Yeah. Yep.\n\nOkay. Okay. So it won't affect me going forward, what you're saying, because it's on there. Yep. Yep.\n\nYeah. Yeah. Yes. Yep. So if I have yeah.\n\nThat's why look. I I don't know how that got excluded. It certainly wasn't deliberate. Like, I've I've had the injury. It was a yeah.\n\nIt required a few surgeries and tendon transplants and all that. Like, I I answered the questions whatever they've asked me at the time, but I've had But if they're on forward yeah. If if I have an injury on this same leg, as long as it's not that tendon or to do anything to do with that old injury, I would be still covered even though it's on that same leg. But if it's totally different yeah. That's alright.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nI get that. Yep. No problem. Yeah. Of course.\n\nYeah. I yeah. Yeah. Yeah. I am.\n\nYep. Yep. I'm comfortable. Yeah. I'm comfortable with what you proposed.\n\nThat's okay. What does that mean? Sorry. I'm just looking at that page. It says 4,995 premium.\n\nWhat is the five year impact mean? That's like a projected growth and that's fine. Yes. So when you say highly inflated, like, I shouldn't be looking at the ten year impact and think I'll end up with 1,880,000.00 or something like that. Yep.\n\nYes. Yep. Fair enough. I just want to ask to, like, when I first signed with you guys, like, a savvy sit down and said, okay. So what do you where do you wanna be when you retire?\n\nWhat how much income would you be comfortable in today's dollars to retire on? Are we how do we how do we track that? Like, how do we know if we are still on that? Like, do you have that, like, plan still, like, in in the system? Or is that is that how it works?\n\nOr I know. It's fine. That's fine. Yeah. Mhmm.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nThat's oh, yeah. Yeah. I was more aiming to, like when I was asking that is, like, okay. I've been with you guys for five or six years. If things were, like, for the next five or six years similar and then or and going forward, are we looking like, yep, it's somewhere there sort of thing where we where we're heading or or not.\n\nThat that's what I meant, if that makes sense. Yeah. Yes. Yeah. Yes.\n\nYeah. Yeah. Yeah. Yeah. Yeah.\n\nOkay. Yeah. Well, we we can keep going if you like. Oh, yeah. Yes.\n\nYep. Yeah. Alright. Yep. Yeah.\n\nOkay. Yeah. No problem. Thank you, mate. Yeah.\n\nI'll I'll no. Not really. At this stage, I'll I'll read everything that's in the document. I'll print it out. I think I find it easier to bring it on the paper.\n\nSo yeah, I'll get back to you. You said within thirty days or so. Yeah. I'll I'll get back to you and we'll, yeah, go from there. Thank you, mate.\n\nYes. Yes. No problem. Thank you. No.\n\nNot really. Not I think we've talked a lot about everything. Thank you. Thank you for answering all my questions. No worries.\n\nThank you, mate. You too. Thank you for your time too. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.52,"end":2.0,"sentiment":"neutral","sentiment_score":0.03946059197187424},{"text":"Zoran speaking.","start":2.0,"end":2.82,"sentiment":"neutral","sentiment_score":0.05125170201063156},{"text":"Good, mate.","start":6.48,"end":7.12,"sentiment":"positive","sentiment_score":0.4265412837266922},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.2820012867450714},{"text":"Yeah.","start":14.0,"end":14.4,"sentiment":"neutral","sentiment_score":0.1693030744791031}],"sentiment":"neutral","sentiment_score":0.2233726109067599,"num_words":9,"start":1.52,"end":14.4},{"sentences":[{"text":"Yeah.","start":14.4,"end":14.639999,"sentiment":"neutral","sentiment_score":0.2545150816440582},{"text":"Definitely it.","start":14.639999,"end":15.78,"sentiment":"positive","sentiment_score":0.4542688727378845},{"text":"July 11.","start":23.335,"end":24.474998,"sentiment":"neutral","sentiment_score":0.010861377231776714},{"text":"731098 Miles Avenue, Waters Bay, New South Wales 2282.","start":24.695,"end":30.555,"sentiment":"neutral","sentiment_score":0.03195206831312842},{"text":"Yeah.","start":48.405,"end":48.805,"sentiment":"neutral","sentiment_score":0.041833896189928055}],"sentiment":"neutral","sentiment_score":0.1009452061727643,"num_words":15,"start":14.4,"end":48.805},{"sentences":[{"text":"Life is unchanged.","start":48.805,"end":49.625,"sentiment":"neutral","sentiment_score":0.024115512768427532},{"text":"Still in the same job.","start":49.925,"end":51.625,"sentiment":"neutral","sentiment_score":0.05626586824655533},{"text":"Still got some savings in just, yeah, in a normal account sort of thing.","start":52.485,"end":58.005,"sentiment":"neutral","sentiment_score":0.020146744591849192},{"text":"And yeah.","start":58.005,"end":58.985,"sentiment":"neutral","sentiment_score":-0.003250756300985813},{"text":"Yeah.","start":60.05,"end":60.37,"sentiment":"neutral","sentiment_score":-0.05810476839542389}],"sentiment":"neutral","sentiment_score":0.022844960913062096,"num_words":25,"start":48.805,"end":60.37},{"sentences":[{"text":"I've started salary sacrificing a lot more.","start":60.37,"end":62.769997,"sentiment":"neutral","sentiment_score":-0.25313153862953186},{"text":"I think I'm putting in, like, something like close to maybe twelve, thirteen thousand per year extra sort of thing.","start":62.769997,"end":74.335,"sentiment":"neutral","sentiment_score":-0.1820657044649124},{"text":"I'm trying to stay on the 30 sort of that's about it.","start":74.335,"end":77.795,"sentiment":"neutral","sentiment_score":-0.11862915009260178},{"text":"Yeah.","start":100.57,"end":100.97,"sentiment":"neutral","sentiment_score":0.05826107785105705},{"text":"Yep.","start":100.97,"end":101.47,"sentiment":"neutral","sentiment_score":0.08200470358133316}],"sentiment":"neutral","sentiment_score":-0.1633297287654586,"num_words":41,"start":60.37,"end":101.47},{"sentences":[{"text":"No problem.","start":101.835,"end":102.575005,"sentiment":"neutral","sentiment_score":0.1928243190050125},{"text":"Yeah.","start":115.675,"end":116.075,"sentiment":"neutral","sentiment_score":-0.12550482153892517},{"text":"I don't have access to computer, like, at the moment, like, on the phone.","start":116.075,"end":120.950005,"sentiment":"neutral","sentiment_score":-0.2557704672217369},{"text":"Is that gonna be issue?","start":120.950005,"end":122.950005,"sentiment":"neutral","sentiment_score":-0.15828760266304015},{"text":"Or Sure.","start":122.950005,"end":148.28,"sentiment":"neutral","sentiment_score":0.2928824722766876}],"sentiment":"neutral","sentiment_score":-0.14692982472479343,"num_words":24,"start":101.835,"end":148.28},{"sentences":[{"text":"Yep.","start":202.05,"end":202.55,"sentiment":"neutral","sentiment_score":0.12966813147068024},{"text":"Yep.","start":227.725,"end":228.225,"sentiment":"neutral","sentiment_score":0.06961768865585327},{"text":"Yeah.","start":287.11002,"end":287.61002,"sentiment":"neutral","sentiment_score":0.1407744139432907},{"text":"Yeah.","start":307.725,"end":308.225,"sentiment":"neutral","sentiment_score":-0.025100568309426308},{"text":"Yeah.","start":309.85,"end":310.17,"sentiment":"neutral","sentiment_score":-0.05061453580856323}],"sentiment":"neutral","sentiment_score":0.052869025990366934,"num_words":5,"start":202.05,"end":310.17},{"sentences":[{"text":"I haven't moved on that really.","start":310.17,"end":312.17,"sentiment":"neutral","sentiment_score":-0.19876629362503687},{"text":"I'm just being bit of a yeah.","start":312.17,"end":314.17,"sentiment":"neutral","sentiment_score":-0.18379086256027222},{"text":"In limbo with everything.","start":314.17,"end":315.63,"sentiment":"neutral","sentiment_score":-0.19479652866721153},{"text":"I just want to let you know, I just picked up my partner's computer.","start":316.09,"end":319.37,"sentiment":"neutral","sentiment_score":0.07899033384663719},{"text":"So I was able to log in to the email.","start":319.37,"end":321.37,"sentiment":"neutral","sentiment_score":0.1439025230705738}],"sentiment":"neutral","sentiment_score":-0.017400731945910106,"num_words":41,"start":310.17,"end":321.37},{"sentences":[{"text":"So I can see actually one, two, three, four, five, six, seven different documents here.","start":321.37,"end":327.425,"sentiment":"neutral","sentiment_score":0.08003588045636813},{"text":"So I keep looking at it.","start":328.205,"end":330.285,"sentiment":"neutral","sentiment_score":0.03208589181303978},{"text":"Yeah.","start":330.285,"end":330.785,"sentiment":"neutral","sentiment_score":-0.04821678623557091},{"text":"Open up a device.","start":340.06,"end":341.34,"sentiment":"neutral","sentiment_score":0.09226404130458832},{"text":"Yep.","start":341.34,"end":341.84,"sentiment":"neutral","sentiment_score":0.14910782873630524}],"sentiment":"neutral","sentiment_score":0.06900002834973512,"num_words":27,"start":321.37,"end":341.84},{"sentences":[{"text":"K.","start":346.7,"end":346.94,"sentiment":"neutral","sentiment_score":0.1015104353427887},{"text":"I'm just waiting for it to open.","start":346.94,"end":348.62,"sentiment":"neutral","sentiment_score":0.09938132230724607},{"text":"It's not happening this year.","start":348.62,"end":351.79498,"sentiment":"negative","sentiment_score":-0.4485755741596222},{"text":"So you're talking about the the ones that have gone down, the shitter?","start":393.95,"end":397.97,"sentiment":"neutral","sentiment_score":-0.09823754257880725},{"text":"Alright.","start":399.23,"end":399.73,"sentiment":"neutral","sentiment_score":0.11249377578496932}],"sentiment":"neutral","sentiment_score":-0.09667749840904165,"num_words":27,"start":346.7,"end":399.73},{"sentences":[{"text":"Yes.","start":415.39502,"end":415.89502,"sentiment":"neutral","sentiment_score":0.19669821858406067},{"text":"I am.","start":420.12,"end":427.2575,"sentiment":"neutral","sentiment_score":-0.08287801872938871},{"text":"Okay.","start":480.26,"end":480.76,"sentiment":"neutral","sentiment_score":0.07469560205936432},{"text":"So I've just opened this document.","start":483.3,"end":485.08,"sentiment":"neutral","sentiment_score":-0.008080254619320234},{"text":"Sorry.","start":485.13998,"end":485.54,"sentiment":"neutral","sentiment_score":-0.20744606852531433}],"sentiment":"neutral","sentiment_score":-0.013662710277871653,"num_words":11,"start":415.39502,"end":485.54},{"sentences":[{"text":"The computer is really slow.","start":485.54,"end":486.82,"sentiment":"negative","sentiment_score":-0.522791051864624},{"text":"I don't know why.","start":486.82,"end":487.62,"sentiment":"neutral","sentiment_score":-0.320143885910511},{"text":"But, yeah, I've managed to open this.","start":487.62,"end":489.22,"sentiment":"neutral","sentiment_score":-0.12710065288203104},{"text":"I'm just the the pages are really slow to load.","start":489.22,"end":493.665,"sentiment":"negative","sentiment_score":-0.4035040155053139},{"text":"Scope of advice considered.","start":502.845,"end":504.385,"sentiment":"neutral","sentiment_score":-0.1976712942123413}],"sentiment":"neutral","sentiment_score":-0.32033202350139617,"num_words":30,"start":485.54,"end":504.385},{"sentences":[{"text":"So that's where I've got economy.","start":504.525,"end":508.41,"sentiment":"neutral","sentiment_score":-0.1305821513136228},{"text":"Yeah.","start":509.19,"end":509.69,"sentiment":"neutral","sentiment_score":0.0324956439435482},{"text":"Yeah.","start":515.75,"end":516.25,"sentiment":"neutral","sentiment_score":-0.010669218376278876},{"text":"Yep.","start":535.51,"end":536.01,"sentiment":"neutral","sentiment_score":0.24596071243286133},{"text":"678.","start":554.325,"end":556.025,"sentiment":"neutral","sentiment_score":0.0099749518558383}],"sentiment":"neutral","sentiment_score":-0.05057308180257678,"num_words":10,"start":504.525,"end":556.025},{"sentences":[{"text":"On PiJite.","start":560.44995,"end":561.50995,"sentiment":"neutral","sentiment_score":0.01774210436269641},{"text":"Did you say sorry.","start":562.12994,"end":563.00995,"sentiment":"neutral","sentiment_score":0.0029829995473846793},{"text":"Oh, that's 57.","start":563.00995,"end":564.31,"sentiment":"neutral","sentiment_score":0.0028583689903219542},{"text":"Right.","start":565.88995,"end":566.20996,"sentiment":"neutral","sentiment_score":0.018047412857413292},{"text":"Yeah.","start":566.20996,"end":566.37,"sentiment":"neutral","sentiment_score":0.01563975214958191}],"sentiment":"neutral","sentiment_score":0.008152588990262964,"num_words":11,"start":560.44995,"end":566.37},{"sentences":[{"text":"It's on 52783.","start":566.37,"end":568.94995,"sentiment":"neutral","sentiment_score":0.01090918326129516},{"text":"Not sure.","start":572.61,"end":573.35,"sentiment":"neutral","sentiment_score":-0.0042314676102250814},{"text":"Yeah.","start":577.835,"end":578.155,"sentiment":"neutral","sentiment_score":0.04532334953546524},{"text":"The details look alright.","start":578.155,"end":579.595,"sentiment":"neutral","sentiment_score":0.0981273241341114},{"text":"Yep.","start":579.595,"end":580.095,"sentiment":"neutral","sentiment_score":0.20615890622138977}],"sentiment":"neutral","sentiment_score":0.06075056062333963,"num_words":11,"start":566.37,"end":580.095},{"sentences":[{"text":"I don't know.","start":630.56,"end":631.12,"sentiment":"negative","sentiment_score":-0.33520371715227765},{"text":"What what do you guys suggest?","start":631.12,"end":632.9,"sentiment":"negative","sentiment_score":-0.3788742621739705},{"text":"Like, I'm I'm a little bit like I'm not happy.","start":632.96,"end":637.325,"sentiment":"negative","sentiment_score":-0.5413695484399795},{"text":"Is does high growth mean, like, I'm not I don't understand this.","start":637.325,"end":641.805,"sentiment":"negative","sentiment_score":-0.41125955432653427},{"text":"Like, why did we bunch, like, 30 something percent of my whole super into that one fund, so that equity fund.","start":641.805,"end":652.55,"sentiment":"neutral","sentiment_score":-0.3198383336975461}],"sentiment":"negative","sentiment_score":-0.3912359974705256,"num_words":52,"start":630.56,"end":652.55},{"sentences":[{"text":"Does that mean, like, when you're in a high growth that that's what they do?","start":653.00995,"end":657.49,"sentiment":"neutral","sentiment_score":-0.17611685395240784},{"text":"Or can you explain me that?","start":657.49,"end":658.93,"sentiment":"neutral","sentiment_score":-0.18760097523530325},{"text":"I don't get that.","start":658.93,"end":659.97,"sentiment":"negative","sentiment_score":-0.5239991694688797},{"text":"Like, if I say, yeah, I'm happy to be in a high growth, I don't want everything, like, lumped into into one thing and then one egg gets one broken lumped, like yeah.","start":659.97,"end":670.02496,"sentiment":"negative","sentiment_score":-0.38987583779927454},{"text":"I'll lose a lot of money sort of thing.","start":670.02496,"end":672.045,"sentiment":"negative","sentiment_score":-0.6452572345733643}],"sentiment":"negative","sentiment_score":-0.3662175089120865,"num_words":67,"start":653.00995,"end":672.045},{"sentences":[{"text":"I think Ken.","start":678.63,"end":681.59,"sentiment":"neutral","sentiment_score":-0.29077597459157306},{"text":"Like, I think I was dealing directly with Savvy back then.","start":681.59,"end":686.07,"sentiment":"neutral","sentiment_score":-0.12502155046571384},{"text":"So surely, he can explain why we've done that.","start":686.07,"end":689.77,"sentiment":"neutral","sentiment_score":-0.18939058151510027},{"text":"I would like explanation because I'm I'm still a little bit pissed off that, like, there's 32% almost in those funds.","start":690.47003,"end":698.23505,"sentiment":"negative","sentiment_score":-0.42513146712666466},{"text":"Like, I don't know why who made that decision.","start":698.23505,"end":701.29504,"sentiment":"negative","sentiment_score":-0.46645882063441807}],"sentiment":"neutral","sentiment_score":-0.32222585675289045,"num_words":53,"start":678.63,"end":701.29504},{"sentences":[{"text":"I they asked me if I would like to be in high growth.","start":701.35504,"end":704.075,"sentiment":"neutral","sentiment_score":-0.2502797876413052},{"text":"I said, yeah.","start":704.075,"end":704.715,"sentiment":"neutral","sentiment_score":-0.15784757335980734},{"text":"At the time of of my life when they asked me.","start":704.715,"end":708.23505,"sentiment":"neutral","sentiment_score":-0.1696869588711045},{"text":"Yeah.","start":708.23505,"end":708.57,"sentiment":"neutral","sentiment_score":-0.19575227797031405},{"text":"But I didn't realize they were gonna just put kind of all eggs in in in one basket with with that.","start":708.81,"end":715.23,"sentiment":"negative","sentiment_score":-0.4017684147471473}],"sentiment":"neutral","sentiment_score":-0.29033929580936624,"num_words":49,"start":701.35504,"end":715.23},{"sentences":[{"text":"Yeah.","start":724.435,"end":724.755,"sentiment":"neutral","sentiment_score":-0.09344512224197388},{"text":"Yep.","start":724.755,"end":725.255,"sentiment":"neutral","sentiment_score":-0.09084588289260864},{"text":"Yes.","start":772.70996,"end":773.11,"sentiment":"neutral","sentiment_score":0.09184517711400986},{"text":"Yes.","start":773.11,"end":773.61,"sentiment":"neutral","sentiment_score":0.11721375584602356},{"text":"Yeah.","start":821.83496,"end":822.33496,"sentiment":"neutral","sentiment_score":-0.2052883207798004}],"sentiment":"neutral","sentiment_score":-0.0361040785908699,"num_words":5,"start":724.435,"end":822.33496},{"sentences":[{"text":"Yeah.","start":822.475,"end":822.975,"sentiment":"neutral","sentiment_score":-0.1347033828496933},{"text":"Not not not really, but yeah.","start":823.435,"end":826.38,"sentiment":"neutral","sentiment_score":-0.21327674885590872},{"text":"I I would still like someone who I know you're saying it wasn't you who made those decisions back then and didn't have those conversations with me, but can somebody even, like, can explain to me, like, like I said, I don't know.","start":826.38,"end":840.765,"sentiment":"neutral","sentiment_score":-0.18059140617071195},{"text":"Like, I I transferred from Super, like, Industry Super to you guys.","start":840.925,"end":845.025,"sentiment":"neutral","sentiment_score":-0.11616112353901069},{"text":"I've been with you, I don't know, five or six years now.","start":845.72504,"end":848.78503,"sentiment":"neutral","sentiment_score":-0.1542445638527473}],"sentiment":"neutral","sentiment_score":-0.16790084581117373,"num_words":74,"start":822.475,"end":848.78503},{"sentences":[{"text":"I'm really not seeing much benefit except for, like, paying high fees.","start":849.405,"end":853.645,"sentiment":"negative","sentiment_score":-0.45585939039786655},{"text":"Like, I feel like there's a lot of excuses all the time.","start":853.645,"end":856.87,"sentiment":"negative","sentiment_score":-0.5331305414438248},{"text":"And I know there was a COVID and this and that, but, like, now this with like, I don't know how my supate's managed.","start":856.87,"end":865.02997,"sentiment":"neutral","sentiment_score":-0.28348638365666073},{"text":"Like, I don't know what's managed there when I don't know.","start":865.02997,"end":868.675,"sentiment":"neutral","sentiment_score":-0.3211542855609547},{"text":"Just made a huge loss.","start":868.675,"end":870.815,"sentiment":"negative","sentiment_score":-0.4748811900615692}],"sentiment":"negative","sentiment_score":-0.3840414918959141,"num_words":64,"start":849.405,"end":870.815},{"sentences":[{"text":"Like and this fund, like, with with the with the Benelon.","start":870.875,"end":875.455,"sentiment":"neutral","sentiment_score":-0.20550077069889416},{"text":"Like, it wasn't like it crashed last November or whatever and because of the the corporate traveler.","start":875.675,"end":882.29004,"sentiment":"neutral","sentiment_score":-0.3266335418995689},{"text":"It's been underperforming for for a lot longer than that.","start":882.51,"end":886.03,"sentiment":"negative","sentiment_score":-0.5568869769573211},{"text":"Like, so if that was the case, why wasn't something done about it?","start":886.03,"end":890.75,"sentiment":"negative","sentiment_score":-0.4183639379648062},{"text":"Like, why wasn't our boss say, hey.","start":890.75,"end":893.32495,"sentiment":"negative","sentiment_score":-0.3477559132235391}],"sentiment":"negative","sentiment_score":-0.36646846630449953,"num_words":58,"start":870.875,"end":893.32495},{"sentences":[{"text":"Would you still have to make any changes?","start":893.32495,"end":895.725,"sentiment":"neutral","sentiment_score":-0.2156656887382269},{"text":"Are you comfortable with this?","start":895.725,"end":897.245,"sentiment":"neutral","sentiment_score":-0.10607238709926606},{"text":"Or, like, I had no advice on that.","start":897.245,"end":899.745,"sentiment":"negative","sentiment_score":-0.3703038617968559},{"text":"That's what I'm asking.","start":900.44495,"end":901.64496,"sentiment":"neutral","sentiment_score":-0.03558952733874321},{"text":"I don't know if that's how it works with with you guys, but, yeah, I would have thought somebody would have maybe mentioned something because it's Yes.","start":901.64496,"end":935.01,"sentiment":"neutral","sentiment_score":-0.015289752571671098}],"sentiment":"neutral","sentiment_score":-0.11102499554936703,"num_words":52,"start":893.32495,"end":935.01},{"sentences":[{"text":"Yes.","start":946.77,"end":947.27,"sentiment":"neutral","sentiment_score":0.22258618474006653},{"text":"Yeah.","start":976.105,"end":976.605,"sentiment":"neutral","sentiment_score":-0.06348364055156708},{"text":"What does that mean inactive portion?","start":1013.53503,"end":1015.455,"sentiment":"neutral","sentiment_score":-0.10989705721537273},{"text":"I'm sorry.","start":1015.455,"end":1015.85504,"sentiment":"neutral","sentiment_score":-0.1904323399066925},{"text":"I don't understand a lot of these terms.","start":1015.85504,"end":1018.08,"sentiment":"neutral","sentiment_score":-0.252775352448225}],"sentiment":"neutral","sentiment_score":-0.16129707213905123,"num_words":18,"start":946.77,"end":1018.08},{"sentences":[{"text":"That's one thing not a problem.","start":1018.08,"end":1020.82,"sentiment":"neutral","sentiment_score":-0.047670205434163414},{"text":"Yes.","start":1042.075,"end":1042.575,"sentiment":"neutral","sentiment_score":0.07517208158969879},{"text":"Yep.","start":1071.81,"end":1072.31,"sentiment":"neutral","sentiment_score":0.16066819429397583},{"text":"Yep.","start":1080.53,"end":1081.03,"sentiment":"neutral","sentiment_score":0.048359595239162445},{"text":"I see.","start":1114.825,"end":1115.565,"sentiment":"neutral","sentiment_score":-0.047222837805747986}],"sentiment":"neutral","sentiment_score":-0.008751548826694489,"num_words":11,"start":1018.08,"end":1115.565},{"sentences":[{"text":"Yes.","start":1141.26,"end":1141.605,"sentiment":"neutral","sentiment_score":0.10437095165252686},{"text":"I think so.","start":1150.325,"end":1151.365,"sentiment":"neutral","sentiment_score":0.016925594458977383},{"text":"Can I just ask you, sir, with this moving forward, so you're suggesting to to reshape things slightly, like, to to move it out of active funds, all that?","start":1151.365,"end":1162.12,"sentiment":"neutral","sentiment_score":-0.018515033069355733},{"text":"But does that mean, like, crystallizing the loss and and moving forward?","start":1162.12,"end":1167.64,"sentiment":"neutral","sentiment_score":-0.034886167695124946},{"text":"Or is that what that means?","start":1167.64,"end":1170.62,"sentiment":"neutral","sentiment_score":-0.08564849942922592}],"sentiment":"neutral","sentiment_score":-0.025770847703896316,"num_words":51,"start":1141.26,"end":1170.62},{"sentences":[{"text":"Like, I'll be accepting that.","start":1170.925,"end":1172.285,"sentiment":"neutral","sentiment_score":-0.019026979338377714},{"text":"Yeah.","start":1172.285,"end":1172.785,"sentiment":"neutral","sentiment_score":0.05406486988067627},{"text":"Is that folks you're you're talking about?","start":1199.6901,"end":1201.395,"sentiment":"neutral","sentiment_score":-0.10654126214129585},{"text":"You're moving away from there?","start":1201.555,"end":1203.255,"sentiment":"neutral","sentiment_score":-0.19664900302886962},{"text":"Okay.","start":1203.3151,"end":1203.8151,"sentiment":"neutral","sentiment_score":-0.10684359818696976}],"sentiment":"neutral","sentiment_score":-0.0987867092174527,"num_words":19,"start":1170.925,"end":1203.8151},{"sentences":[{"text":"What what like, if I say I would accept the loss, like, what am I looking at?","start":1228.7899,"end":1233.8049,"sentiment":"neutral","sentiment_score":-0.17390715900589437},{"text":"Like, in the figures, is that possible to be sort of summarized?","start":1233.8049,"end":1239.345,"sentiment":"neutral","sentiment_score":-0.12645726899305978},{"text":"Or is that not not something that's not clear?","start":1239.965,"end":1243.505,"sentiment":"neutral","sentiment_score":-0.20289089447922176},{"text":"Thanks, mate.","start":1260.075,"end":1260.975,"sentiment":"positive","sentiment_score":0.4320291131734848},{"text":"I'm just trying to understand all this so I could do this is a lot of things that you're talking about.","start":1262.5549,"end":1268.235,"sentiment":"neutral","sentiment_score":-0.16079818891982237}],"sentiment":"neutral","sentiment_score":-0.14446935610326586,"num_words":61,"start":1228.7899,"end":1268.235},{"sentences":[{"text":"I I I'm very, yeah, sort of, uneducated about, like, some terms I don't understand and stuff.","start":1268.235,"end":1276.86,"sentiment":"negative","sentiment_score":-0.418920075192171},{"text":"So that's why I'm asking a lot of questions.","start":1276.86,"end":1278.46,"sentiment":"neutral","sentiment_score":-0.2812192506260342},{"text":"I apologize.","start":1278.46,"end":1279.12,"sentiment":"neutral","sentiment_score":-0.17507310211658478},{"text":"Yeah.","start":1279.58,"end":1280.08,"sentiment":"neutral","sentiment_score":-0.08574812114238739},{"text":"Yes.","start":1290.6951,"end":1291.1951,"sentiment":"neutral","sentiment_score":-0.08018279820680618}],"sentiment":"negative","sentiment_score":-0.33895638858278593,"num_words":30,"start":1268.235,"end":1291.1951},{"sentences":[{"text":"Okay.","start":1350.695,"end":1351.195,"sentiment":"neutral","sentiment_score":-0.05071692168712616},{"text":"But it feels like when I look at my year today, like you say, if I look from today's date back twelve months, it feels like my my balance is exactly the same to what I had twelve months ago.","start":1351.335,"end":1365.31,"sentiment":"neutral","sentiment_score":-0.09939931286498904},{"text":"But then I put in, like, say, $25,000 at least.","start":1365.31,"end":1368.93,"sentiment":"neutral","sentiment_score":-0.2259911358356476},{"text":"And also that means there was no gains or anything.","start":1369.15,"end":1374.065,"sentiment":"neutral","sentiment_score":-0.29312883913516996},{"text":"So it's a lot more than $7,000, it seems.","start":1374.065,"end":1377.285,"sentiment":"neutral","sentiment_score":-0.18675859603616926}],"sentiment":"neutral","sentiment_score":-0.15569595071886266,"num_words":70,"start":1350.695,"end":1377.285},{"sentences":[{"text":"Yes.","start":1390.6799,"end":1391.1799,"sentiment":"neutral","sentiment_score":0.057265929877758026},{"text":"Yeah.","start":1421.8099,"end":1422.3099,"sentiment":"neutral","sentiment_score":-0.06991103291511536},{"text":"Yep.","start":1429.515,"end":1430.015,"sentiment":"neutral","sentiment_score":-0.14188162982463837},{"text":"Yes.","start":1441.755,"end":1442.075,"sentiment":"neutral","sentiment_score":0.05094160884618759},{"text":"Yes.","start":1442.075,"end":1442.575,"sentiment":"neutral","sentiment_score":0.041380029171705246}],"sentiment":"neutral","sentiment_score":-0.012441018968820572,"num_words":5,"start":1390.6799,"end":1442.575},{"sentences":[{"text":"And is that all because of Enelone?","start":1454.86,"end":1457.12,"sentiment":"neutral","sentiment_score":-0.11434135053839002},{"text":"Okay.","start":1490.915,"end":1491.3151,"sentiment":"neutral","sentiment_score":0.14248566329479218},{"text":"So it'll be around $25,000 in my understanding.","start":1491.3151,"end":1494.935,"sentiment":"neutral","sentiment_score":0.13421250879764557},{"text":"Alright?","start":1495.0751,"end":1495.5751,"sentiment":"neutral","sentiment_score":0.057213716208934784},{"text":"If we change things, like, if we move away from Benelon.","start":1497.26,"end":1500.24,"sentiment":"neutral","sentiment_score":-0.18810285221446643}],"sentiment":"neutral","sentiment_score":-0.057004334937248914,"num_words":28,"start":1454.86,"end":1500.24},{"sentences":[{"text":"Mhmm.","start":1523.115,"end":1523.615,"sentiment":"neutral","sentiment_score":-0.054026491940021515},{"text":"So as a like, if you were to give me advice, would you suggest that we maybe hang on to a bit longer to see if it's gonna rebound a bit more and recover something?","start":1523.94,"end":1533.5599,"sentiment":"neutral","sentiment_score":-0.09606405326298305},{"text":"Or do you think it's time just to move away from it?","start":1534.1,"end":1537.725,"sentiment":"neutral","sentiment_score":-0.2591359143455823},{"text":"Like, I know you don't know crystal ball, but you know a lot more than I would with with what's happening with the market and stuff and and where where yeah.","start":1537.725,"end":1548.545,"sentiment":"neutral","sentiment_score":-0.16512984614218434},{"text":"Mhmm.","start":1561.43,"end":1561.93,"sentiment":"neutral","sentiment_score":-0.016731806099414825}],"sentiment":"neutral","sentiment_score":-0.1457707045599818,"num_words":80,"start":1523.115,"end":1561.93},{"sentences":[{"text":"But would that be smart strategy if I say, yeah, let's just move away from them and, like, crystallize the loss and stuff?","start":1607.14,"end":1613.0599,"sentiment":"negative","sentiment_score":-0.3375907906371614},{"text":"Like, that that's a lot of money.","start":1613.0599,"end":1614.5,"sentiment":"negative","sentiment_score":-0.5545995959213802},{"text":"So or or would there better be would you suggest a better strategy maybe to wait a few months and see how they go?","start":1614.5,"end":1622.4451,"sentiment":"neutral","sentiment_score":-0.13070058341448507},{"text":"Or, like, what's smarter sort of strategy as an investor?","start":1622.4451,"end":1625.985,"sentiment":"neutral","sentiment_score":-0.011434560362249612},{"text":"So on top of moving away from it, I I would also be potentially paying out, like, capital gains on forever.","start":1695.62,"end":1703.7201,"sentiment":"neutral","sentiment_score":-0.0939875826949165}],"sentiment":"neutral","sentiment_score":-0.19849040233256185,"num_words":85,"start":1607.14,"end":1703.7201},{"sentences":[{"text":"They might be which would be That's alright.","start":1704.98,"end":1726.83,"sentiment":"neutral","sentiment_score":-0.015159562695771456},{"text":"Yeah.","start":1738.6951,"end":1739.1951,"sentiment":"neutral","sentiment_score":0.03149773180484772},{"text":"Yeah.","start":1744.6951,"end":1744.855,"sentiment":"neutral","sentiment_score":0.059514641761779785},{"text":"Yeah.","start":1744.855,"end":1744.935,"sentiment":"neutral","sentiment_score":0.05090952664613724},{"text":"Okay.","start":1744.935,"end":1745.435,"sentiment":"neutral","sentiment_score":0.06232321634888649}],"sentiment":"neutral","sentiment_score":0.006914051249623299,"num_words":12,"start":1704.98,"end":1745.435},{"sentences":[{"text":"Yeah.","start":1778.765,"end":1779.265,"sentiment":"neutral","sentiment_score":0.07336121797561646},{"text":"What what what's it done since the actual things went down in November?","start":1783.72,"end":1788.86,"sentiment":"neutral","sentiment_score":-0.11085288971662521},{"text":"Like, is it like, any recovery sort of thing?","start":1788.9199,"end":1792.2999,"sentiment":"neutral","sentiment_score":-0.0948855686518881},{"text":"So essentially, if I stay, all the money that I'm putting in, I might be just, like, losing it basically by keeping this fund.","start":1832.645,"end":1841.5599,"sentiment":"negative","sentiment_score":-0.3939311609913905},{"text":"Is that We should be on backwards.","start":1843.78,"end":1855.405,"sentiment":"neutral","sentiment_score":-0.11694701335259847}],"sentiment":"neutral","sentiment_score":-0.2313828411753531,"num_words":54,"start":1778.765,"end":1855.405},{"sentences":[{"text":"Yeah.","start":1856.425,"end":1856.925,"sentiment":"neutral","sentiment_score":-0.09589743614196776},{"text":"Yeah.","start":1859.7051,"end":1860.2051,"sentiment":"neutral","sentiment_score":-0.07428459078073502},{"text":"Yeah.","start":1860.505,"end":1861.005,"sentiment":"neutral","sentiment_score":-0.07353263348340988},{"text":"Okay.","start":1862.745,"end":1863.145,"sentiment":"neutral","sentiment_score":-0.08174961805343628},{"text":"Well, look, if if your advice, like you said, yeah, you put advice together and you think we should be moving away from it, then I guess, yeah, let's do that.","start":1863.145,"end":1872.1901,"sentiment":"neutral","sentiment_score":-0.26507683002179666}],"sentiment":"neutral","sentiment_score":-0.24408131454672133,"num_words":35,"start":1856.425,"end":1872.1901},{"sentences":[{"text":"Yeah.","start":1877.77,"end":1878.27,"sentiment":"neutral","sentiment_score":0.1190156564116478},{"text":"Yes.","start":1883.515,"end":1884.015,"sentiment":"neutral","sentiment_score":0.07881440222263336},{"text":"Yes.","start":1888.3151,"end":1888.8151,"sentiment":"neutral","sentiment_score":0.16506198048591614},{"text":"Yes.","start":1889.115,"end":1889.615,"sentiment":"neutral","sentiment_score":0.21208104491233823},{"text":"Okay.","start":1896.32,"end":1896.82,"sentiment":"neutral","sentiment_score":0.1016608476638794}],"sentiment":"neutral","sentiment_score":0.135326786339283,"num_words":5,"start":1877.77,"end":1896.82},{"sentences":[{"text":"Yeah.","start":1917.585,"end":1918.085,"sentiment":"neutral","sentiment_score":-0.1376102715730667},{"text":"Yeah.","start":1918.1449,"end":1918.6449,"sentiment":"neutral","sentiment_score":-0.13635924458503723},{"text":"So my understanding is, like, we'll be getting the Ben along and we'll be moving away from having that active management part and just using the 500, whatever it's called.","start":1919.04,"end":1936.495,"sentiment":"neutral","sentiment_score":-0.12766430253783861},{"text":"K.","start":1936.495,"end":1936.995,"sentiment":"neutral","sentiment_score":-0.04374326393008232},{"text":"Yeah.","start":1938.095,"end":1938.595,"sentiment":"neutral","sentiment_score":0.2994356155395508}],"sentiment":"neutral","sentiment_score":-0.11318253649069983,"num_words":34,"start":1917.585,"end":1938.595},{"sentences":[{"text":"Yes.","start":1981.11,"end":1981.61,"sentiment":"neutral","sentiment_score":0.1038442924618721},{"text":"Okay.","start":1998.665,"end":1998.905,"sentiment":"neutral","sentiment_score":0.07724253833293915},{"text":"Yeah.","start":1998.905,"end":1999.405,"sentiment":"neutral","sentiment_score":0.06342080235481262},{"text":"And does that mean, like, moving forward, I would still stay in the high as a high growth?","start":1999.7051,"end":2006.86,"sentiment":"neutral","sentiment_score":0.02423113791479005},{"text":"Or What does the ninety ten mean?","start":2006.86,"end":2026.235,"sentiment":"neutral","sentiment_score":-0.010863853618502617}],"sentiment":"neutral","sentiment_score":0.021593612153083086,"num_words":28,"start":1981.11,"end":2026.235},{"sentences":[{"text":"Sorry.","start":2026.295,"end":2026.6951,"sentiment":"neutral","sentiment_score":-0.04331231862306595},{"text":"Roughly.","start":2026.6951,"end":2027.1951,"sentiment":"neutral","sentiment_score":-0.03457154333591461},{"text":"Oh, yeah.","start":2033.69,"end":2034.35,"sentiment":"neutral","sentiment_score":0.05961568281054497},{"text":"Yep.","start":2034.97,"end":2035.47,"sentiment":"neutral","sentiment_score":0.0503358356654644},{"text":"Yep.","start":2047.255,"end":2047.755,"sentiment":"neutral","sentiment_score":0.06027361750602722}],"sentiment":"neutral","sentiment_score":0.025326159472266834,"num_words":6,"start":2026.295,"end":2047.755},{"sentences":[{"text":"So high growth is ninety ten.","start":2073.445,"end":2075.705,"sentiment":"neutral","sentiment_score":0.3302680402994156},{"text":"What's the the one if you go one step down on the on the risk sort of scale would be immediate?","start":2076.165,"end":2086.0,"sentiment":"neutral","sentiment_score":0.03038687768968798},{"text":"Yes, sir.","start":2087.34,"end":2088.08,"sentiment":"neutral","sentiment_score":0.07850562036037445},{"text":"Okay.","start":2090.7,"end":2091.2,"sentiment":"neutral","sentiment_score":0.17240145802497864},{"text":"Would that be a safe option for me perhaps with the years that I've got left in my, like, working life.","start":2091.98,"end":2106.375,"sentiment":"neutral","sentiment_score":0.23563599160739354}],"sentiment":"neutral","sentiment_score":0.15485296462315554,"num_words":51,"start":2073.445,"end":2106.375},{"sentences":[{"text":"Yes.","start":2142.63,"end":2143.13,"sentiment":"neutral","sentiment_score":0.3246030807495117},{"text":"Alright.","start":2178.965,"end":2179.205,"sentiment":"neutral","sentiment_score":0.005024189129471779},{"text":"So you you what you're saying is, like, I I should be okay to stay in the high growth till at least around age 60 or something and then look at maybe winding down a bit.","start":2179.205,"end":2190.905,"sentiment":"neutral","sentiment_score":0.08955232943925592},{"text":"Right.","start":2207.2651,"end":2207.7651,"sentiment":"neutral","sentiment_score":0.12437553703784944},{"text":"Alright.","start":2221.55,"end":2222.05,"sentiment":"neutral","sentiment_score":0.20894432067871097}],"sentiment":"neutral","sentiment_score":0.09717077468521892,"num_words":40,"start":2142.63,"end":2222.05},{"sentences":[{"text":"Yeah.","start":2237.885,"end":2238.385,"sentiment":"neutral","sentiment_score":0.022268688306212425},{"text":"Yeah.","start":2250.23,"end":2250.55,"sentiment":"neutral","sentiment_score":-0.1061742976307869},{"text":"Yeah.","start":2250.55,"end":2251.05,"sentiment":"neutral","sentiment_score":-0.15057562291622162},{"text":"Yep.","start":2263.775,"end":2264.275,"sentiment":"neutral","sentiment_score":0.019239122048020363},{"text":"Yep.","start":2269.055,"end":2269.555,"sentiment":"neutral","sentiment_score":0.05616603419184685}],"sentiment":"neutral","sentiment_score":-0.03181521520018578,"num_words":5,"start":2237.885,"end":2269.555},{"sentences":[{"text":"Yep.","start":2269.615,"end":2270.115,"sentiment":"neutral","sentiment_score":0.04146120697259903},{"text":"No.","start":2270.175,"end":2270.335,"sentiment":"neutral","sentiment_score":-0.029934465885162354},{"text":"That's that makes a bit more sense.","start":2270.335,"end":2272.415,"sentiment":"neutral","sentiment_score":-0.0027713553447808537},{"text":"Alrighty.","start":2272.415,"end":2272.915,"sentiment":"neutral","sentiment_score":0.0992182195186615},{"text":"I will read it.","start":2276.6501,"end":2277.53,"sentiment":"neutral","sentiment_score":-0.10997330397367477}],"sentiment":"neutral","sentiment_score":-0.02489626733586192,"num_words":14,"start":2269.615,"end":2277.53},{"sentences":[{"text":"Yeah.","start":2277.53,"end":2278.03,"sentiment":"neutral","sentiment_score":0.05910954624414444},{"text":"Sorry.","start":2296.785,"end":2297.105,"sentiment":"neutral","sentiment_score":-0.0949021577835083},{"text":"That was my question, but I'm ready.","start":2297.105,"end":2299.125,"sentiment":"neutral","sentiment_score":0.021452059037983418},{"text":"Okay.","start":2345.625,"end":2346.125,"sentiment":"neutral","sentiment_score":0.054182521998882294},{"text":"Yep.","start":2409.725,"end":2410.225,"sentiment":"neutral","sentiment_score":0.2232513278722763}],"sentiment":"neutral","sentiment_score":0.03561869559978897,"num_words":11,"start":2277.53,"end":2410.225},{"sentences":[{"text":"Sort of.","start":2413.2898,"end":2413.93,"sentiment":"neutral","sentiment_score":0.13489464670419693},{"text":"Yeah.","start":2413.93,"end":2414.43,"sentiment":"neutral","sentiment_score":0.1284293383359909},{"text":"I'm I'm just looking at the on the page seventeen, nineteen, whatever.","start":2414.5698,"end":2419.69,"sentiment":"neutral","sentiment_score":0.08756204632421334},{"text":"It's page 16.","start":2419.69,"end":2420.73,"sentiment":"neutral","sentiment_score":0.07835825035969417},{"text":"So that that shows all my investments there.","start":2420.73,"end":2423.21,"sentiment":"neutral","sentiment_score":0.08954101335257292}],"sentiment":"neutral","sentiment_score":0.09232177098210041,"num_words":26,"start":2413.2898,"end":2423.21},{"sentences":[{"text":"Yeah?","start":2423.21,"end":2423.71,"sentiment":"neutral","sentiment_score":0.09932584315538406},{"text":"Yeah.","start":2433.915,"end":2434.415,"sentiment":"neutral","sentiment_score":0.08267907798290253},{"text":"Yes.","start":2463.945,"end":2464.2651,"sentiment":"neutral","sentiment_score":0.1643092930316925},{"text":"I see 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the net with the contribution, I'm just looking on that same page.","start":2697.67,"end":2703.275,"sentiment":"neutral","sentiment_score":0.0412267495233279},{"text":"Was it page 18?","start":2704.375,"end":2705.675,"sentiment":"neutral","sentiment_score":0.018369690515100956},{"text":"Net contributions per annum.","start":2706.615,"end":2708.615,"sentiment":"neutral","sentiment_score":0.03560509346425533}],"sentiment":"neutral","sentiment_score":0.03608912796429966,"num_words":23,"start":2669.5698,"end":2708.615},{"sentences":[{"text":"So sixteen seven six two, that's what the work contributes?","start":2708.615,"end":2713.195,"sentiment":"neutral","sentiment_score":0.0440077381208539},{"text":"That's without the voluntary contributions?","start":2713.415,"end":2715.675,"sentiment":"neutral","sentiment_score":-0.02953522987663746},{"text":"Is that correct?","start":2717.24,"end":2718.3,"sentiment":"neutral","sentiment_score":0.020644671594103176},{"text":"Yeah.","start":2723.24,"end":2723.74,"sentiment":"neutral","sentiment_score":0.06894528120756149},{"text":"And recommended is what you recommending to, like, to get up to by adding another 9,800, like, through voluntary contribution?","start":2723.8,"end":2734.3052,"sentiment":"neutral","sentiment_score":0.09867661595344543}],"sentiment":"neutral","sentiment_score":0.06145673966369568,"num_words":39,"start":2708.615,"end":2734.3052},{"sentences":[{"text":"Alright.","start":2742.0452,"end":2742.445,"sentiment":"neutral","sentiment_score":0.031583718955516815},{"text":"It looks 15% or something.","start":2742.445,"end":2744.385,"sentiment":"neutral","sentiment_score":0.046677150204777716},{"text":"Okay.","start":2762.8352,"end":2763.3352,"sentiment":"neutral","sentiment_score":0.08286905288696289},{"text":"And I did you say I can check on the myGov how much I'm up to up to date 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alright.","start":3699.155,"end":3699.955,"sentiment":"neutral","sentiment_score":-0.04855959117412567}],"sentiment":"neutral","sentiment_score":-0.09699532827362418,"num_words":80,"start":3667.355,"end":3699.955},{"sentences":[{"text":"Yeah.","start":3699.955,"end":3700.455,"sentiment":"neutral","sentiment_score":-0.03585689887404442},{"text":"Yeah.","start":3705.33,"end":3705.73,"sentiment":"neutral","sentiment_score":-0.034768782556056976},{"text":"Yeah.","start":3705.73,"end":3706.23,"sentiment":"neutral","sentiment_score":-0.03075261041522026},{"text":"Yeah.","start":3710.93,"end":3711.25,"sentiment":"neutral","sentiment_score":-0.0177104864269495},{"text":"Yeah.","start":3711.25,"end":3711.75,"sentiment":"neutral","sentiment_score":-0.007287595421075821}],"sentiment":"neutral","sentiment_score":-0.025275274738669397,"num_words":5,"start":3699.955,"end":3711.75},{"sentences":[{"text":"I get 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yeah.","start":3760.6,"end":3761.4202,"sentiment":"neutral","sentiment_score":0.0921381339430809},{"text":"Yeah.","start":3765.4001,"end":3765.9001,"sentiment":"neutral","sentiment_score":-0.0571630634367466},{"text":"Yeah.","start":3772.9949,"end":3773.2349,"sentiment":"neutral","sentiment_score":0.057639461010694504},{"text":"I am.","start":3773.2349,"end":3773.7148,"sentiment":"neutral","sentiment_score":0.08642567321658134}],"sentiment":"neutral","sentiment_score":0.05407689032810075,"num_words":7,"start":3760.04,"end":3773.7148},{"sentences":[{"text":"Yep.","start":3773.7148,"end":3774.2148,"sentiment":"neutral","sentiment_score":0.1653628796339035},{"text":"Yep.","start":3793.13,"end":3793.63,"sentiment":"neutral","sentiment_score":0.005227792076766491},{"text":"I'm comfortable.","start":3798.435,"end":3799.2551,"sentiment":"neutral","sentiment_score":-0.04325759597122669},{"text":"Yeah.","start":3799.475,"end":3799.715,"sentiment":"neutral","sentiment_score":0.18714460730552673},{"text":"I'm comfortable with what you proposed.","start":3799.715,"end":3801.8152,"sentiment":"positive","sentiment_score":0.4282241463661194}],"sentiment":"neutral","sentiment_score":0.25823317866095086,"num_words":11,"start":3773.7148,"end":3801.8152},{"sentences":[{"text":"That's okay.","start":3802.0352,"end":3802.855,"sentiment":"positive","sentiment_score":0.5314927399158478},{"text":"What does that mean?","start":3823.85,"end":3824.8901,"sentiment":"neutral","sentiment_score":-0.11209209822118282},{"text":"Sorry.","start":3824.8901,"end":3825.29,"sentiment":"neutral","sentiment_score":-0.1402202546596527},{"text":"I'm just looking at that page.","start":3825.29,"end":3826.75,"sentiment":"neutral","sentiment_score":-0.10583831245700519},{"text":"It says 4,995 premium.","start":3827.495,"end":3830.875,"sentiment":"neutral","sentiment_score":-0.024068121798336506}],"sentiment":"neutral","sentiment_score":-0.015112089979297975,"num_words":17,"start":3802.0352,"end":3830.875},{"sentences":[{"text":"What is the five year impact mean?","start":3831.495,"end":3833.835,"sentiment":"neutral","sentiment_score":-0.026012939534017017},{"text":"That's like a projected growth and that's fine.","start":3840.135,"end":3849.0273,"sentiment":"neutral","sentiment_score":0.02097422024235129},{"text":"Yes.","start":3851.5312,"end":3852.0312,"sentiment":"neutral","sentiment_score":0.02265555039048195},{"text":"So when you say highly inflated, like, I shouldn't be looking at the ten year impact and think I'll end up with 1,880,000.00 or something like that.","start":3868.24,"end":3877.54,"sentiment":"neutral","sentiment_score":-0.21001737592396913},{"text":"Yep.","start":3893.015,"end":3893.515,"sentiment":"neutral","sentiment_score":0.015365084633231165}],"sentiment":"neutral","sentiment_score":-0.12833512113006276,"num_words":44,"start":3831.495,"end":3893.515},{"sentences":[{"text":"Yes.","start":3895.815,"end":3896.315,"sentiment":"neutral","sentiment_score":0.022620387375354767},{"text":"Yep.","start":3904.21,"end":3904.71,"sentiment":"neutral","sentiment_score":-0.04011049121618271},{"text":"Fair enough.","start":3925.37,"end":3926.11,"sentiment":"neutral","sentiment_score":0.07995227724313736},{"text":"I just want to ask to, like, when I first signed with you guys, like, a savvy sit down and said, okay.","start":3926.25,"end":3932.6501,"sentiment":"neutral","sentiment_score":0.1274276805872267},{"text":"So what do you where do you wanna be when you retire?","start":3932.6501,"end":3935.05,"sentiment":"neutral","sentiment_score":0.08761413395404816}],"sentiment":"neutral","sentiment_score":0.1051892902898161,"num_words":38,"start":3895.815,"end":3935.05},{"sentences":[{"text":"What how much income would you be comfortable in today's dollars to retire on?","start":3935.05,"end":3939.735,"sentiment":"neutral","sentiment_score":0.125057723905359},{"text":"Are we how do we how do we track that?","start":3940.8552,"end":3943.3352,"sentiment":"neutral","sentiment_score":0.09912678375840187},{"text":"Like, how do we know if we are still on that?","start":3943.3352,"end":3945.995,"sentiment":"neutral","sentiment_score":0.08745218610221689},{"text":"Like, do you have that, like, plan still, like, in in the system?","start":3946.0552,"end":3951.175,"sentiment":"neutral","sentiment_score":0.06920462416914794},{"text":"Or is that is that how it works?","start":3951.175,"end":3952.7751,"sentiment":"neutral","sentiment_score":0.08009042451158166}],"sentiment":"neutral","sentiment_score":0.09365059874419655,"num_words":56,"start":3935.05,"end":3952.7751},{"sentences":[{"text":"Or I know.","start":3952.7751,"end":3967.6,"sentiment":"neutral","sentiment_score":0.05073197806874911},{"text":"It's fine.","start":3967.6,"end":3968.24,"sentiment":"neutral","sentiment_score":0.10787368565797806},{"text":"That's fine.","start":3968.24,"end":3968.88,"sentiment":"neutral","sentiment_score":0.15080522745847702},{"text":"Yeah.","start":3968.88,"end":3969.38,"sentiment":"neutral","sentiment_score":0.17058464884757996},{"text":"Mhmm.","start":3978.2449,"end":3978.7449,"sentiment":"neutral","sentiment_score":0.04496779292821884}],"sentiment":"neutral","sentiment_score":0.09834513357943958,"num_words":9,"start":3952.7751,"end":3978.7449},{"sentences":[{"text":"Yeah.","start":4012.8,"end":4013.3,"sentiment":"neutral","sentiment_score":0.1389184594154358},{"text":"Yeah.","start":4021.9202,"end":4022.4202,"sentiment":"neutral","sentiment_score":-0.06301932036876678},{"text":"Yeah.","start":4025.04,"end":4025.54,"sentiment":"neutral","sentiment_score":-0.07154925167560577},{"text":"Yeah.","start":4029.495,"end":4029.735,"sentiment":"neutral","sentiment_score":-0.014140557497739792},{"text":"Yeah.","start":4029.735,"end":4029.895,"sentiment":"neutral","sentiment_score":0.01864209771156311}],"sentiment":"neutral","sentiment_score":0.0017702855169773103,"num_words":5,"start":4012.8,"end":4029.895},{"sentences":[{"text":"That's oh, yeah.","start":4029.895,"end":4039.8,"sentiment":"neutral","sentiment_score":-0.03727473815282186},{"text":"Yeah.","start":4039.96,"end":4040.2,"sentiment":"neutral","sentiment_score":-0.012231223285198212},{"text":"I was more aiming to, like when I was asking that is, like, okay.","start":4040.2,"end":4045.56,"sentiment":"neutral","sentiment_score":0.05696089831846101},{"text":"I've been with you guys for five or six years.","start":4045.56,"end":4047.82,"sentiment":"neutral","sentiment_score":0.07698141299188137},{"text":"If things were, like, for the next five or six years similar and then or and going forward, are we looking like, yep, it's somewhere there sort of thing where we where we're heading or or not.","start":4048.68,"end":4060.615,"sentiment":"neutral","sentiment_score":0.01080533889801921}],"sentiment":"neutral","sentiment_score":0.02835398165938946,"num_words":65,"start":4029.895,"end":4060.615},{"sentences":[{"text":"That that's what I meant, if that makes sense.","start":4060.675,"end":4063.335,"sentiment":"neutral","sentiment_score":0.08671584601203601},{"text":"Yeah.","start":4072.33,"end":4072.83,"sentiment":"neutral","sentiment_score":0.01928340643644333},{"text":"Yes.","start":4076.25,"end":4076.75,"sentiment":"neutral","sentiment_score":-0.016846060752868652},{"text":"Yeah.","start":4086.165,"end":4086.665,"sentiment":"neutral","sentiment_score":-0.0026932451874017715},{"text":"Yes.","start":4092.645,"end":4093.145,"sentiment":"neutral","sentiment_score":0.0676741674542427}],"sentiment":"neutral","sentiment_score":0.06522006785067228,"num_words":13,"start":4060.675,"end":4093.145},{"sentences":[{"text":"Yeah.","start":4114.795,"end":4115.0347,"sentiment":"neutral","sentiment_score":-0.12444640696048737},{"text":"Yeah.","start":4115.0347,"end":4115.5347,"sentiment":"neutral","sentiment_score":0.01425803080201149},{"text":"Yeah.","start":4123.355,"end":4123.675,"sentiment":"neutral","sentiment_score":0.02587763220071793},{"text":"Yeah.","start":4123.675,"end":4123.925,"sentiment":"neutral","sentiment_score":-0.004301402717828751},{"text":"Yeah.","start":4123.925,"end":4124.425,"sentiment":"neutral","sentiment_score":0.0009644664824008942}],"sentiment":"neutral","sentiment_score":-0.01752953603863716,"num_words":5,"start":4114.795,"end":4124.425},{"sentences":[{"text":"Okay.","start":4127.9897,"end":4128.4897,"sentiment":"neutral","sentiment_score":0.10786838084459303},{"text":"Yeah.","start":4129.43,"end":4129.75,"sentiment":"neutral","sentiment_score":0.11068165302276611},{"text":"Well, we we can keep going if you like.","start":4129.75,"end":4132.17,"sentiment":"neutral","sentiment_score":0.21889007753796047},{"text":"Oh, yeah.","start":4139.11,"end":4139.69,"sentiment":"neutral","sentiment_score":0.05834684893488884},{"text":"Yes.","start":4149.345,"end":4149.845,"sentiment":"neutral","sentiment_score":0.22835084795951843}],"sentiment":"neutral","sentiment_score":0.18097180553844996,"num_words":14,"start":4127.9897,"end":4149.845},{"sentences":[{"text":"Yep.","start":4179.765,"end":4180.265,"sentiment":"neutral","sentiment_score":0.2781980633735657},{"text":"Yeah.","start":4213.27,"end":4213.77,"sentiment":"neutral","sentiment_score":0.22605210542678833},{"text":"Alright.","start":4214.15,"end":4214.65,"sentiment":"neutral","sentiment_score":0.2908138036727905},{"text":"Yep.","start":4238.8047,"end":4239.12,"sentiment":"neutral","sentiment_score":-0.06422089040279388},{"text":"Yeah.","start":4251.7603,"end":4252.2603,"sentiment":"neutral","sentiment_score":0.16622179746627808}],"sentiment":"neutral","sentiment_score":0.17941297590732574,"num_words":5,"start":4179.765,"end":4252.2603},{"sentences":[{"text":"Okay.","start":4268.59,"end":4269.09,"sentiment":"neutral","sentiment_score":-0.13607272505760193},{"text":"Yeah.","start":4283.245,"end":4283.745,"sentiment":"neutral","sentiment_score":0.03791269659996033},{"text":"No problem.","start":4293.44,"end":4294.16,"sentiment":"neutral","sentiment_score":0.12234718352556229},{"text":"Thank you, mate.","start":4294.16,"end":4295.14,"sentiment":"positive","sentiment_score":0.513498475154241},{"text":"Yeah.","start":4295.56,"end":4296.06,"sentiment":"neutral","sentiment_score":0.2027163803577423}],"sentiment":"neutral","sentiment_score":0.2362182680517435,"num_words":8,"start":4268.59,"end":4296.06},{"sentences":[{"text":"I'll I'll no.","start":4296.48,"end":4299.04,"sentiment":"neutral","sentiment_score":0.022013909028222162},{"text":"Not really.","start":4299.04,"end":4299.68,"sentiment":"neutral","sentiment_score":-0.024633925408124924},{"text":"At this stage, I'll I'll read everything that's in the document.","start":4299.68,"end":4302.48,"sentiment":"neutral","sentiment_score":0.02563971331851049},{"text":"I'll print it out.","start":4302.48,"end":4303.24,"sentiment":"neutral","sentiment_score":0.06072433013468981},{"text":"I think I find it easier to bring it on the paper.","start":4303.24,"end":4305.6,"sentiment":"neutral","sentiment_score":0.1166490139439702}],"sentiment":"neutral","sentiment_score":0.06067175658245105,"num_words":32,"start":4296.48,"end":4305.6},{"sentences":[{"text":"So yeah, I'll get back to you.","start":4305.6,"end":4308.915,"sentiment":"neutral","sentiment_score":0.05367707035371235},{"text":"You said within thirty days or so.","start":4308.915,"end":4312.2153,"sentiment":"neutral","sentiment_score":0.03509366139769554},{"text":"Yeah.","start":4312.835,"end":4313.075,"sentiment":"neutral","sentiment_score":0.09423473477363586},{"text":"I'll I'll get back to you and we'll, yeah, go from there.","start":4313.075,"end":4317.495,"sentiment":"neutral","sentiment_score":0.1075891920675834},{"text":"Thank you, mate.","start":4320.915,"end":4321.895,"sentiment":"positive","sentiment_score":0.45599109927813214}],"sentiment":"neutral","sentiment_score":0.1124891153226296,"num_words":30,"start":4305.6,"end":4321.895},{"sentences":[{"text":"Yes.","start":4327.0703,"end":4327.5703,"sentiment":"neutral","sentiment_score":0.10505826771259308},{"text":"Yes.","start":4333.87,"end":4334.235,"sentiment":"neutral","sentiment_score":0.15242639183998108},{"text":"No problem.","start":4345.275,"end":4346.0146,"sentiment":"neutral","sentiment_score":0.16098448634147644},{"text":"Thank you.","start":4346.315,"end":4347.135,"sentiment":"neutral","sentiment_score":0.24250829219818115},{"text":"No.","start":4351.7197,"end":4352.04,"sentiment":"neutral","sentiment_score":-0.03936711326241493}],"sentiment":"neutral","sentiment_score":0.14644330048135348,"num_words":7,"start":4327.0703,"end":4352.04},{"sentences":[{"text":"Not really.","start":4352.04,"end":4352.68,"sentiment":"neutral","sentiment_score":-0.056525694206357},{"text":"Not I think we've talked a lot about everything.","start":4352.68,"end":4355.7397,"sentiment":"neutral","sentiment_score":-0.029456392344501283},{"text":"Thank you.","start":4356.44,"end":4357.08,"sentiment":"neutral","sentiment_score":0.20091364532709122},{"text":"Thank you for answering all my questions.","start":4357.08,"end":4359.1,"sentiment":"positive","sentiment_score":0.40393814018794466},{"text":"No worries.","start":4369.285,"end":4370.005,"sentiment":"neutral","sentiment_score":0.2468196451663971}],"sentiment":"neutral","sentiment_score":0.15203975649042564,"num_words":22,"start":4352.04,"end":4370.005},{"sentences":[{"text":"Thank you, mate.","start":4370.005,"end":4370.9854,"sentiment":"positive","sentiment_score":0.42674586176872253},{"text":"You too.","start":4374.273,"end":4374.753,"sentiment":"positive","sentiment_score":0.354600191116333},{"text":"Thank you for your time too.","start":4374.753,"end":4376.113,"sentiment":"positive","sentiment_score":0.5084639588991801},{"text":"Bye.","start":4376.113,"end":4376.613,"sentiment":"neutral","sentiment_score":0.23995471000671387}],"sentiment":"positive","sentiment_score":0.44001470257838565,"num_words":12,"start":4370.005,"end":4376.613}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Zoran speaking.\n\nChannel 0: Good afternoon, Zoran. It's Carl calling from OQ Financial. How are you today?\n\nChannel 1: Good, mate. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks. I had you scheduled in to go through that statement advice today. Is now still a good time?\n\nChannel 1: Yeah. Yeah. Definitely it.\n\nChannel 0: Brilliant. Just before we jump into that one, Zoran, if I could just pass you through security with that name, date of birth, and current address, we'll get stuck into that today.\n\nChannel 1: July 11. 731098 Miles Avenue, Waters Bay, New South Wales 2282.\n\nChannel 0: Perfect. Thanks for that one, Zoran. Now just before we jump into the actual statement of advice, can I just confirm in regards to, like, your assets and client details that nothing's changed since we, like, originally started the process and gone through everything and created the document? Everything's largely unchanged.\n\nChannel 1: Yeah. Life is unchanged. Still in the same job. Still got some savings in just, yeah, in a normal account sort of thing. And yeah.\n\nYeah. I've started salary sacrificing a lot more. I think I'm putting in, like, something like close to maybe twelve, thirteen thousand per year extra sort of thing. I'm trying to stay on the 30 sort of that's about it.\n\nChannel 0: Yeah. Perfect. We did include that in the the statement of advice in regards to that salary sacrifice because I didn't know you wanna get close to the the cap there, and we just threw the numbers into that to show you what that sort of looks like. Obviously, you started contributing a bit more in the the time that since we spoke as well. So, yeah, just be mindful.\n\nGo under myGov if you're ever unsure and just double check the cap space you have there.\n\nChannel 1: Yeah. Yep. No problem.\n\nChannel 0: Perfect. Now I am going to send you out a document, and then that will be going to your email there, and that will be zedoknic@yahoo.com.au. Is that still correct?\n\nChannel 1: Yeah. I don't have access to computer, like, at the moment, like, on the phone. Is that gonna be issue? Or\n\nChannel 0: So what I can do is because you can't see the document in front of you, and I don't wanna just speak at you for for forty five minutes, I can send it to you. I can give you a brief overview of the sections, what's in it, and the sort of compliance side of things. And then you can go away and have a read of it when you get a chance and then come back with any questions you might have or any sort of queries in you might have or any sort of queries in regards to the document, if that's alright.\n\nChannel 1: Sure.\n\nChannel 0: Perfect. I'll just send that now so that to be with you there shortly. So within that one as well so the way the new Odoo works, I'm not too sure if you've completed one of those. I think you might have with your annual review with your tax file number and everything. It'll send you an email.\n\nIt'll have some supporting documents, and then it'll also have a signable documents link. Now within the signable documents link will be the the statement of advice, your ongoing service agreement if you're happy with the the advice, and then also happy to stay on for the next twelve months, and then also the insurance quote in regards to if you were happy with the recommendation. As part of the supporting documents there, you'll obviously have the new Oakview Financial Services Guide and the Financial Services Guide there as well. In addition to that, you'll also have the PDF documents for the recommended products for your your superannuation that you'll be retaining from the recommendation and then also the suggested insurances there as well. In addition\n\nChannel 1: Yep.\n\nChannel 0: to that, you also have the the appendix and a copy of the statement of advice as an attachment in that as well. So and in that appendix too, you'll be able to see much like the report we did between, like, your a new and existing Neos policy. We did one of those for you as well between the recommended existing policy as well to show you what the features and gain and loss will be for that one, much like we went over before.\n\nChannel 1: Yep.\n\nChannel 0: So in regards to the document, obviously, there's a best interest duty there. If it wasn't gonna put you in a better position, we wouldn't make the recommendation. That's what we're bound by as financial advisers. Now in regards to the scoping of the advice piece there, it is quite simple. We're just looking at the superannuation and personal insurance side of things and the salary sacrifice.\n\nAs far as what's not considered, we had a conversation about retirement income needs, your state planning, budgeting. In regards to everything as well, you were happy with sort of just seeing how far away you might be in a bit closer to retirement as it's, like, fourteen years away from when you sort of wanna hang up the boots. It's a bit far to project into sort of draw downs and things like that. As far as your estate planning matters, you are happy with what you've got in place there. Your your will's up to date.\n\nYour beneficiaries are good. And then with your budget and savings there as well, I know you're paying down that little bit a supplementary home loan you took out for renovations, but otherwise, you're largely debt free and saving quite well.\n\nChannel 1: Yeah.\n\nChannel 0: In regards to investments, I know you might sort of particularly look at sort of investment at Super given how things are going in the near sort of few years, but you didn't wanna at this point in sort of circumstances see if things change. And then I know you discussed the whole property and sort of where I'm in the iron with that as well, and that's still a possibility potential for the future. But at the moment, you have\n\nChannel 1: Yeah.\n\nChannel 0: put a\n\nChannel 1: Yeah.\n\nChannel 0: hold\n\nChannel 1: I haven't moved on that really.\n\nChannel 0: on\n\nChannel 1: I'm just being bit of a yeah.\n\nChannel 0: that\n\nChannel 1: In limbo with everything.\n\nChannel 0: as\n\nChannel 1: I just want to let you know, I just picked up my\n\nChannel 0: well.\n\nChannel 1: partner's computer. So I was able to log in to the email. So I can see actually one, two, three, four, five, six, seven different documents here. So\n\nChannel 0: Yep.\n\nChannel 1: I keep\n\nChannel 0: So that\n\nChannel 1: looking\n\nChannel 0: that will\n\nChannel 1: at\n\nChannel 0: be the\n\nChannel 1: it. Yeah.\n\nChannel 0: the supporting as well as the, yeah, the so if you click on the statement of advice, you'll be able to follow along with me and have a look at the sections I'm talking about there for you as well, Zoran.\n\nChannel 1: Open up a device. Yep. K. I'm just waiting for it to open. It's not happening this year.\n\nChannel 0: Might just take in a second to to load up there. As I said, in regards to scoping, it gives you, like, sort of what your goal and what you want to achieve and then the reasoning behind including it in the advice piece or not. So you'll be able to see that on the first few pages just while that's loading up. Feel free to have a read through those as well. I won't dwell on them too much.\n\nBut while that's loading as well, I'll give you the gist of what statement advice is there, Zoran. So with the recommendation in the simplified version is we're gonna look at retaining your net wealth account just due to capital gains that may apply for moving your funds from your one platform to another. You'd have to pay down the entire capital gains that's liable. Whereas if we just do an adjustment, you don't have to pay that full amount in\n\nChannel 1: So\n\nChannel 0: addition\n\nChannel 1: you're\n\nChannel 0: to\n\nChannel 1: talking about the the ones that have gone down, the shitter?\n\nChannel 0: that so\n\nChannel 1: Alright.\n\nChannel 0: with with the platform net wealth, so you can move superannuations, like, to a different platform. And then with that one, there's still capital gains on that even though you've had a few investments that took a bit of a backwards step and, like you said, quote, unquote, went down the shooter. There's still ones\n\nChannel 1: Yes.\n\nChannel 0: that have made money over the time you've been on board there as well. So there is a tax liability on your account\n\nChannel 1: I\n\nChannel 0: if you were to sell down everything to cash. So that's why we're looking at retaining the net wealth. Not only is it still a competitive product and\n\nChannel 1: am.\n\nChannel 0: you're able to utilize it for the purposes of having a retail fund and sort of modifying the investments and doing things, like, in the future with your superannuation retirement strategies. You don't have to pay that capital gains. And then with that, we'll be looking at changing those underlying investments, like you said, to eliminate the ones that aren't performing well for you. Now with that as well, we did have a look at the salary sacrifice, what you were contributing versus what would get you to the cap and showed you that in the what you were contributing versus what would get you to the cap and showed you that in the table to what that looks like. Obviously, you've been doing it a little bit longer, so feel free to take those figures with a grain of salt because they may differ from what you've already been contributing given the amount that you've already increased.\n\nSo always double check your myGov to make sure that you're not exceeding that 30,000. And then we're recommending you apply for life total permanent disability and income protection with the insurer called ClearView paid for that Netwealth account much like your.\n\nChannel 1: Okay. So\n\nChannel 0: Can you\n\nChannel 1: I've just opened this document. Sorry. The computer is really slow. I don't know why. But, yeah, I've managed to open this.\n\nI'm just the the pages are really slow to load. Scope of advice considered. So that's where I've got economy.\n\nChannel 0: Yep. So the\n\nChannel 1: Yeah.\n\nChannel 0: the considered part was always his super insurance and salary sacrifice, which we are addressing in this piece. And then\n\nChannel 1: Yeah.\n\nChannel 0: that section below that, there is a limited advice warning as well to tell you that, basically, the areas that we're addressing is just that super insurance and the also the salary sacrifice. The rest of the areas, we're just accountability partners for, basically. We're aware of your goals, but we haven't put any strategies in place in regards to that, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. On page eight there, you'll be able to see just the about you section. That'll just have your details there as well. So feel free to double check those, make sure that's all accurate and up to date. Same with the next page over.\n\nYou'll be able to see your assets and liabilities as well.\n\nChannel 1: 678. On PiJite. Did you say sorry. Oh, that's 57. Right.\n\nYeah. It's on 52783. Not sure. Yeah. The details look alright.\n\nYep.\n\nChannel 0: Perfect. Yeah. Next page, there will be those assets and liabilities, and I understand some of those may have changed just a little bit given the timeline, but they should be largely accurate. It won't affect the advice piece much at all. So from that as well, the page over to page 10 there, you'll be able to see your current position, your net wealth account, and then the insurances you do hold with the life CPD and income protection there and the price you do pay for those.\n\nSo it was creeping up there. I know you wanted to review that. Now getting on to page 11 there, Zoran, you'll notice that there is a risk profile. You score that high growth. You'll still be invested in that high growth, that ninety ten split.\n\nMoving forward, given the time horizon that you do have till retirement and the active sort of portion that you want to have towards growth there. Are you still comfortable with that, Darren, being a high growth investor?\n\nChannel 1: I don't know. What what do you guys suggest? Like, I'm I'm a little bit like I'm not happy. Is does high growth mean, like, I'm not I don't understand this. Like, why did we bunch, like, 30 something percent of my whole super into that one fund, so that equity fund.\n\nDoes that mean, like, when you're in a high growth that that's what they do? Or can you explain me that? I don't get that. Like, if I say, yeah, I'm happy to be in a high growth, I don't want everything, like, lumped into into one thing and then one egg gets one broken lumped, like yeah. I'll lose a lot of money sort of thing.\n\nChannel 0: Yeah. No. I completely understand where you're coming from in regards to that. So, obviously, I can't, like, sort of justify\n\nChannel 1: I\n\nChannel 0: what happened previously to me because I wasn't the adviser\n\nChannel 1: think\n\nChannel 0: that\n\nChannel 1: Ken.\n\nChannel 0: reckon\n\nChannel 1: Like,\n\nChannel 0: yeah. No. Yeah. I understand,\n\nChannel 1: I think\n\nChannel 0: sir.\n\nChannel 1: I was\n\nChannel 0: Like\n\nChannel 1: dealing directly with Savvy back then. So surely, he can explain why we've done that. I would like\n\nChannel 0: yeah.\n\nChannel 1: explanation because I'm I'm still a little bit pissed off that, like, there's 32% almost in those funds. Like, I don't know why who made that decision. I they asked me if I would like to be in high growth. I said, yeah. At the time of of my life when they asked me.\n\nYeah. But I didn't realize they were gonna just put kind of all eggs in in in one basket with with that.\n\nChannel 0: Yes. So yeah. I understand what you're you're saying there, Zoran. So as like I was saying, sorry. In regards to the conversation that occurred previously, I can't sort of,\n\nChannel 1: Yeah.\n\nChannel 0: like, because\n\nChannel 1: Yep.\n\nChannel 0: that between you and the adviser that had those conversations. If I was just saying anything, it would obviously just be you know, I can generalize in terms of that. So with in regards to if you wanted, like, active management to try and outperform that market, you can have a lot more management risk when going down that route. Like you said, you're a bit more one eggs all eggs in one basket sort of thing in terms of that active managed risk. Now in terms of high growth itself, it doesn't mean that you have to carry that manager risk, which is what we're moving away from or I was moving away there from you given what occurred and what was happening there.\n\nSo with that one there, I am looking at removing the active portion entirely. So even then, you do have a 30% weighting there as well, but that's for the S and P 500, which is the index, the top.\n\nChannel 1: Yes.\n\nChannel 0: There\n\nChannel 1: Yes.\n\nChannel 0: is yep. So with that as well, so you'll have the 35% in that key index fund, and then you'll have 25% another index fund in Australia. So you'll still have a large percentage weighing in the core of your portfolio, but that's not an active management moving forward. Now I understand that what happened previously, you're not too happy with that with that moving forward. We're not gonna have any active managed funds.\n\nWe're moving index as we approach moving forward, so you won't have that management risk. You'll have a lower investment cost moving forward. And then the key holding weightings are in the indexes. So it would have to be that the S and P 500, that market index was performing badly for your portfolio to be performing badly. That's not to say that they've made any sort of bets against the market in that.\n\nThat just means the market as a whole isn't performing too great for\n\nChannel 1: Yeah.\n\nChannel 0: those to\n\nChannel 1: Yeah.\n\nChannel 0: not be performing,\n\nChannel 1: Not\n\nChannel 0: if\n\nChannel 1: not\n\nChannel 0: that makes\n\nChannel 1: not\n\nChannel 0: sense.\n\nChannel 1: really, but yeah. I I would still like someone who I know you're saying it wasn't you who made those decisions back then and\n\nChannel 0: Yep.\n\nChannel 1: didn't have those conversations with me, but can somebody even, like, can explain to me, like, like I said, I don't know. Like, I I transferred from Super, like, Industry Super to you guys. I've been with you, I don't know, five or six years now. I'm\n\nChannel 0: Yep.\n\nChannel 1: really not seeing much benefit except for, like, paying high fees. Like, I feel like there's a lot of excuses all the time. And I know there was a COVID and this and that, but, like, now this with like, I don't know how my supate's managed. Like, I don't know what's managed there when I don't know. Just made a huge loss.\n\nLike\n\nChannel 0: Yes. So\n\nChannel 1: and\n\nChannel 0: so\n\nChannel 1: this fund, like, with with the with the Benelon. Like, it wasn't like it crashed last November or whatever and because of the the corporate traveler. It's been underperforming for for a lot longer than that. Like, so if that was the case, why wasn't something done about it? Like, why wasn't our boss say, hey.\n\nWould you still have to make any changes? Are you comfortable with this? Or, like, I had no advice on that. That's what\n\nChannel 0: Yeah.\n\nChannel 1: I'm asking. I don't know if that's how it works with with you guys, but, yeah, I would have thought somebody would have maybe mentioned something\n\nChannel 0: So\n\nChannel 1: because\n\nChannel 0: as a and a minimum, generally, there's on it's like, during those annual reviews,\n\nChannel 1: it's\n\nChannel 0: they go over the performance in your portfolio. I do apologize if that's not what you've received previously or the people that you have spoken to previously haven't given you the insights on what was actually happening with those investments. Obviously, you know, I've come to the domain. I've I've pointed out, you know, things previously that you may have not been told. So I do apologize for for\n\nChannel 1: Yes.\n\nChannel 0: being fair of bad news. But, obviously, moving forward, I'm trying to put you in a position to, obviously, to to grow there and give you, like, the full spread of what's actually happening within your superannuation,\n\nChannel 1: Yes.\n\nChannel 0: which every 12 months, they're meant to be going over the portfolio itself, giving you a bit of a rundown of what's happening. Obviously, as I said, it's been a long that has been slightly under performing, but not to a point where, you know, you might give up on it. Obviously, they're long term convictions generally. It's only until that corporate traveler that they've decided that they don't have conviction in that moving forward for this, obviously, investing in those high growth portfolios, that eight to ten year time frames. Like you said, with things like COVID and that, there were those sort of mixed years.\n\nChannel 1: Yeah.\n\nChannel 0: And then with the portfolio construction previously, as I said, it comes down to the discussion you did have with your adviser when going into those funds. So I can't I'm not gonna just make something up to try and justify it. But just generally in terms of, like, going that if you want those high risk, high returns, you know, trying to bet a bit more to try and outperform that market, that is the risk you take. Whereas moving forward from what you've, like, told me and what you wanna achieve and the level of risk that you do wanna hold, we're looking at removing that active portion and then just having a higher allocation still to those growth assets,\n\nChannel 1: What\n\nChannel 0: but\n\nChannel 1: does\n\nChannel 0: not\n\nChannel 1: that\n\nChannel 0: trying\n\nChannel 1: mean\n\nChannel 0: to\n\nChannel 1: inactive\n\nChannel 0: out\n\nChannel 1: portion? I'm sorry. I don't understand a lot of these terms. That's one thing not a\n\nChannel 0: so\n\nChannel 1: problem.\n\nChannel 0: the yes. Sorry. The the active portion, like, the active managed funds like that, Benelon, you have a fund manager trying to outperform the market. Whereas index is just like if you have the S and P 500, it's the top 500 companies in America. Now if a company gets bigger, it can go up into the 500 and make its way in, which means it's part\n\nChannel 1: Yes.\n\nChannel 0: of the investments that you hold. If it does poorly, it falls out of that top 500, which means you don't have that investment as well. Now it's it's still, like, kinda fluid in that sense that it is adjusting to the companies that make it in and out of that 500, where a fund manager will depending on how they view sort of success and growth, whether it be valued or profit driven, they will be just select picking certain funds and certain companies, not just dependent on size or market value to\n\nChannel 1: Yep.\n\nChannel 0: see if they can outperform that, get those higher returns. Basically, you're essentially trying to pick the winners and losers out\n\nChannel 1: Yep.\n\nChannel 0: of a bunch, and that's what your fund that you were in was trying to obviously pick the winners and losers and try and make a higher return. Now since COVID, they haven't been doing fantastic, and they had that corporate traveler which caused them to really go downhill. But that is that management risk that I was talking about, and that's active management within that with that managed fund trying to outperform that market. A\n\nChannel 1: I see.\n\nChannel 0: it's a bit less of a a gamble as they like they say, because you're not sort of trying to outperform it. You're just trying to follow what the markets are doing. And with index investing, it comes at a lower cost and that the markets are doing good, your investments are doing good. If the markets are stalling just a little bit, it may not see as much growth because you're not trying to outperform it. You're not picking the few winners in those downturn sort of times as the market as a whole.\n\nChannel 1: Yes.\n\nChannel 0: But it does see a little bit less volatility like what occurred previously with your fund there, if that makes sense.\n\nChannel 1: I think so. Can I just ask you, sir, with this moving forward, so you're suggesting to to reshape things slightly, like, to to move it out of active funds, all that? But\n\nChannel 0: Yep.\n\nChannel 1: does that mean, like, crystallizing the loss and and moving forward? Or is that what that means? Like, I'll be accepting that. Yeah.\n\nChannel 0: Yep. So that would be accepting loss. So with that update there as well, we would be looking at removing a few investments there and adding a few investments and removing that Benelung there. So the other option, like I stated previously, is to leave it and see how they rebound, but the company as a whole is saying to move away from Bennelong just given the circumstances and given the economic outlooks of the the fund. Now\n\nChannel 1: Is that\n\nChannel 0: that's\n\nChannel 1: folks you're you're talking about? You're moving away\n\nChannel 0: yep.\n\nChannel 1: from there? Okay.\n\nChannel 0: The the investment committee has made a decision that they will be moving away from that fund as it sees fit, like, in terms of clients coming up for their annual reviews. Now, obviously, at the end of the day, it is your decision whether or not you wanna move out and crystallize that loss because for you, it's more than most with that higher allocation that you've stated previously, and then waiting to see how they do recover or taking that loss and crystallizing it and just moving forward, from that.\n\nChannel 1: What what like, if I say I would accept the loss, like, what am I looking at? Like, in the figures, is that possible to be sort of summarized? Or is that not not something that's\n\nChannel 0: I'll\n\nChannel 1: not clear?\n\nChannel 0: I'll generate a port from inception and see what it's down since inception.\n\nChannel 1: Thanks, mate.\n\nChannel 0: No. It's not a problem\n\nChannel 1: I'm\n\nChannel 0: at all.\n\nChannel 1: just trying to understand all this so I could\n\nChannel 0: Yeah.\n\nChannel 1: do\n\nChannel 0: No.\n\nChannel 1: this is\n\nChannel 0: I can\n\nChannel 1: a lot of things that you're talking about. I I I'm very, yeah, sort of, uneducated about, like, some terms I don't understand and stuff. So that's why I'm asking a lot of questions. I apologize. Yeah.\n\nChannel 0: no. It's not a problem at all, Zoran. Like, that's that's our job at the end of the day. I I feel bad. It's sort of that I'm the one throwing all the information at you when it's sort of been, like, a bit of a slower drip feed for you, and then you've\n\nChannel 1: Yes.\n\nChannel 0: probably been across it a little bit more. So I do apologize for that. Now in terms of since inception, bear with me here. So the reason you had such a high allocation too is I can see here that there was previously two separated funds. So you had the Benelon Australian equities fund and a concentrated equities fund.\n\nAnd then with that, it seems at some point, either one fund's closed or it's consolidated, and it's just become the one investment there. Now with that as a whole, in terms of the negative returns since inception, so Benelon Australian Equities was sitting at a negative 6.77 since inception. So it's looking at around a seven looking at.\n\nChannel 1: Okay. But it feels like when I look at my year today, like you say, if I look from today's date back twelve months, it feels like my my balance is exactly the same to what I had twelve months ago. But then I put in, like, say, $25,000 at least. And also that means there was no gains or anything. So it's a lot more than $7,000, it seems.\n\nChannel 0: Yeah. Seems in that since inception, the report there, so that may differ slightly. So in terms of, like, the dollar figure, it went up and down in the thing. It's close to, like, a $25,000, like, movement, which is what\n\nChannel 1: Yes.\n\nChannel 0: you're you're seeing there. Now with that, obviously, some of that comes like you had some, like, growth in there, and then it's gone backwards as well. So that looks like you've lost a lot more in terms of, like, the up and the down. And like you said, with the the amount of money you put in, that's also going towards, like, those things like fees and as well in terms of that. So, yeah, it did make quite a poor return in terms of that going down.\n\nNow that's not the loss over the past twelve months that you have to understand as well since inception. So in terms\n\nChannel 1: Yeah.\n\nChannel 0: of loss in the last twelve months, it's probably closer to 25,000 in terms of, like, the the down, which is why\n\nChannel 1: Yep.\n\nChannel 0: it's gone backwards so far. But in terms of, like, the growth out of Benelon that it's had since you've held it and then the backwards step, that's closer to, like, net $77,000, if that makes sense. Like, you're\n\nChannel 1: Yes.\n\nChannel 0: looking across\n\nChannel 1: Yes.\n\nChannel 0: the time since you've been onboard versus the last twelve months. And Dollar Figure in the last twelve months, probably looking at close to, like, a 25 backwards return in in terms of, like, that's why it looks so, like,\n\nChannel 1: And\n\nChannel 0: bad.\n\nChannel 1: is that all because of Enelone?\n\nChannel 0: All because of Dan along all the the other investments. Like, Hack has gone backwards a little bit and turns to, like, it's still up from where it was. Like, it's a bit of a market correction, which has caused it to go backwards a little bit, but that's not to be concerned. Like, they're looking at keeping hack. They have high conviction in hack, and it will be in your portfolio moving forward, so you wouldn't be crystallizing that loss.\n\nOkay. It's purely the Benelong that you're looking at crystallizing that loss\n\nChannel 1: Okay. So it'll be around $25,000 in my understanding. Alright? If we change things, like, if we move away from Benelon.\n\nChannel 0: in? As, like, from, like, the the return you did lose, but in terms of, like, the money you've put into it and then the return it's gotten, it's, like, closer to, like, a $7,500 loss from the investment, but that's over the course of you being on board. But, yeah, in terms of, like, the backwards step that occurred recently, it's like a $2,025,000 dollar, like,\n\nChannel 1: Mhmm. So as a\n\nChannel 0: change.\n\nChannel 1: like, if you were to give me advice, would you suggest that we maybe hang on to a bit longer to see if it's gonna rebound a bit more and recover something? Or do you think it's time just to move away from it? Like, I know you don't know crystal ball, but you know a lot more than I would with with what's happening with the market and stuff and and\n\nChannel 0: Yeah.\n\nChannel 1: where\n\nChannel 0: And\n\nChannel 1: where\n\nChannel 0: that's\n\nChannel 1: yeah.\n\nChannel 0: part of what I'd originally suggest is, like, you can wait that three to six months and see how it tracks and how it returns. We can keep a bit more of an eye and do sort of three month follow ups to see if you recoup some of that losses before making the change.\n\nChannel 1: Mhmm.\n\nChannel 0: But at the end of the day, I know sort of when we had the conversations, you just wanted, you know, you I'm sorry. So you're a little bit more worked out than you are now, and you wanted to just look at getting rid of it and doing something about it now, which is why I put something together that does exclude that. But if you decide that you wanna postpone this and hold off a few months there as well, and even if you did sign it and say hold implementation for three to six months until I say yes, that's an option there for you is to there's our yeah. We never wanna say, like, sell low, buy high. But in your case, it's a little bit more extreme than others because, one, it's the funds that was affected not in the sense of the market itself, but an underlying investment.\n\nAnd then, two, it's quite a significant portion for you.\n\nChannel 1: But would that be smart strategy if I say, yeah, let's just move away from them and, like, crystallize the loss and stuff? Like, that that's a lot of money. So or or would there better be would you suggest a better strategy maybe to wait a few months and see how they go? Or, like, what's smarter sort of strategy as an investor?\n\nChannel 0: So there's a few people I've had a similar discussion with, and they've chosen to wait that three to six months. As I said, as a company, we are like, they've decided to move away from it just from their economic outlook of the fund. But even if you were to wait that three to six months, you could be foregoing potential gains in another investment, or you could be sort of, you know, hurting yourself and it not moving much of the way anyway. Or it could rebound and you could get some of those losses. So it's sort of like even if it rebounded, like, sort of three to 4%, if you got that in another investment, you're sort of not really losing much because you're growing somewhere else.\n\nWhereas if it sorta stays stagnant too, given the the economic outlook of the fund, you could potentially lose out on potential growth even if it doesn't, perform too fantastic. So that's that's sort of your choice in regards to that one. Obviously, I made the recommendation of what you told me previously just to move away from it. But like you said, it is quite a large portion for you in terms of that. But in saying that if you put that what is remaining left in that fund somewhere else, you could be getting better returns because it is quite a\n\nChannel 1: So on top of moving away from it, I I would also be potentially paying out, like, capital gains on forever. They might be\n\nChannel 0: the switch\n\nChannel 1: which would be\n\nChannel 0: there and then, like, the loss you did make on Bennelong, it works out that I believe the the capital gains with the switch in investments that we did do, it doesn't work out to be a whole heap because it carries some of that forward. I'll just see bear with me two seconds where it is. Sorry. I'm jumping around this advice piece a little bit.\n\nChannel 1: That's alright.\n\nChannel 0: Yeah. So the the cost of changing up the investments works out to be around $540 with the loss you'd be taking forward. And then so which isn't huge. It would have been, like, in the thousands\n\nChannel 1: Yeah.\n\nChannel 0: if Benelon was up, if that makes sense, to make that adjustment.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: Yeah. So it's the loss you sort of take now versus potential gains for the future. But like any sort of recommendation, the returns are the one things that aren't guaranteed. Like I said, with the, you know, the crystal ball, like you said, no one knows what is going to happen. But as a company, I can only know the investment direction is to move away from Better Long.\n\nBut if you decide you do wanna hold that for that three to six months, there's no no harm in that as well if you do feel like it is gonna make a return. It did come back a few percent, and then it dipped it, like, again in terms of that one. And\n\nChannel 1: Yeah.\n\nChannel 0: I'll just double check where it's at now, so bear with me.\n\nChannel 1: What what what's it done since the actual things went down in November? Like, is it like, any recovery sort of thing?\n\nChannel 0: So and it took another dip today, actually. So with the the three month outlook, so when it went down in November there, it kinda hit a trough around that December, Jan. It came back a little bit in terms of, like, returning, and it was sitting around, like, a a negative five, and then it's dipped back down towards, like, a a negative 11 since that November crash in terms of, like, percentage returns. And the year to date, it did come back, as I said, a few percent, but then now it's it's taken another dip for the fund.\n\nChannel 1: So essentially, if I stay, all the money that I'm putting in, I might be just, like, losing it basically by keeping this fund. Is\n\nChannel 0: Like,\n\nChannel 1: that\n\nChannel 0: you would be putting like, it would be allocating it per the original recommendation, which would given that it is down putting money into Benelon, which would in turn yeah. They keep a dollar\n\nChannel 1: We should\n\nChannel 0: figure\n\nChannel 1: be\n\nChannel 0: would\n\nChannel 1: on\n\nChannel 0: be\n\nChannel 1: backwards.\n\nChannel 0: going back yeah.\n\nChannel 1: Yeah.\n\nChannel 0: If it was to keep continuing to go backwards.\n\nChannel 1: Yeah. Yeah. Okay. Well, look, if if your advice, like you said, yeah, you put advice together and you think we should be moving away from it, then I guess, yeah, let's do that.\n\nChannel 0: Yep. So as I said, Zoran, feel free to have a a good read through it. It's valid\n\nChannel 1: Yeah.\n\nChannel 0: for for thirty days, and then it's valid for another, like, thirty after that as long as none\n\nChannel 1: Yes.\n\nChannel 0: of your details have changed. So feel free to even take that thirty days, read through it,\n\nChannel 1: Yes.\n\nChannel 0: see how it\n\nChannel 1: Yes.\n\nChannel 0: is tracking. You do have a link to all the investments in the recommended portfolio in the appendix as well. You can even have\n\nChannel 1: Okay.\n\nChannel 0: a little look at those, see how you feel about them. I know sort of, you know, it feels like you've been burned a a little bit with what happened with the Benelon side of things. So, you know, get yourself across it a little bit. Have a look at the past performance of the ones we are recommending. You know, even do your own little bit of research to make sure you are comfortable.\n\nI don't wanna push you towards anything you don't feel like you understand or aren't comfortable with at the end of the day.\n\nChannel 1: Yeah. Yeah. So my understanding is, like, we'll be getting the Ben along and we'll be moving away from having that active management part and just using the 500, whatever it's\n\nChannel 0: Yep. So you still you hold\n\nChannel 1: called.\n\nChannel 0: the\n\nChannel 1: K.\n\nChannel 0: S and P 500 come currently,\n\nChannel 1: Yeah.\n\nChannel 0: and it's doing quite well. It does increase that slightly. It also puts you in BetaShares Australia two hundred, which is, like, the Benelong switch equivalent, if that makes sense. So that's an index fund for Australia because Benelong was an Australian equities. So you would be switching the Bennelong for majority going towards that beta shares Australia two hundred, which again is an index fund for the Australian market.\n\nYou'll have a little bit of exposure in the world excluding The US. In a different fund, you'll have a defensive portion from bank hybrids, and then you'll be removing a couple of other investments and readjusting them slightly,\n\nChannel 1: Yes.\n\nChannel 0: which are all listed on page 16 there. You can have a little look and see what will be carrying forward, what will be selling down, where that allocation will be going as well. It'll also increase your allocation a little bit in gold, so so you'll have a little bit more in your alternatives as\n\nChannel 1: Okay. Yeah. And does that mean, like, moving forward, I would still stay in the high as a high growth? Or\n\nChannel 0: well. Yep. So it would still have the same allocation to growth assets. It just wouldn't have that active management in it. So you'd still have around that ninety ten split.\n\nI can even sorta tell you where you are currently as well. Sorry. I'll just scroll down to\n\nChannel 1: What\n\nChannel 0: it.\n\nChannel 1: does the ninety ten mean? Sorry. Roughly.\n\nChannel 0: So so the when I say ninety ten split, that's 90% in growth assets being high growth, like things like your\n\nChannel 1: Oh,\n\nChannel 0: shares,\n\nChannel 1: yeah.\n\nChannel 0: property,\n\nChannel 1: Yep.\n\nChannel 0: international versus, like, Australian. And then you'll have, like, your defensive portion, which includes some of your alternatives as well. And that's got, you know, things like those bonds I was talking about, and that's, like, things like\n\nChannel 1: Yep.\n\nChannel 0: cash fixed interest that in market turns as well. They just tick along slowly. They don't look to get massive returns, but then they don't lose much value in those economic downturns as well. The alternative asset is that gold. It works as a bit of growth versus defensive in terms of how the markets are going.\n\nYou get capital growth out of it, and it is defensive. It holds its value and ticks up slowly as well. So that's why it's an alternative. It gets a bit of both worlds.\n\nChannel 1: So high growth is ninety ten. What's\n\nChannel 0: Yep.\n\nChannel 1: the the one if you go one step down on the on the risk sort of scale would be\n\nChannel 0: It would go down\n\nChannel 1: immediate?\n\nChannel 0: to a growth, and it would be\n\nChannel 1: Yes,\n\nChannel 0: about\n\nChannel 1: sir.\n\nChannel 0: an eighty eighty twenty split.\n\nChannel 1: Okay. Would that be a safe option for me perhaps with the years that I've got left in my, like,\n\nChannel 0: Well, given that even if you retired at 60, you still have nine years\n\nChannel 1: working life.\n\nChannel 0: in terms of, like, working life. So you have enough time to be, like, in a high growth even for at least the next sort of, you know, six to seven before you're thinking about winding it back leading closer to that retirement years. It just depends on how much growth you're sort of aiming to get out of your superannuation in that time frame because with that, you know, the expected returns are lower for growth than a than a high growth. But like I said too, depending on how the markets are going, nothing is sort of guaranteed. And sometimes, you know, growth can outperform high growth.\n\nHigh growth generally does over the long term, though, outperform the growth portfolio\n\nChannel 1: Yes.\n\nChannel 0: because it does has the higher allocation to growth assets. So, you know, in the short term, some years you might have the the growth performing better for a little bit less risk. But, historically, over that longer period of time, it does work out that, you know, having that higher allocation to those growth assets, if you do have high conviction and hold those assets, that you do end up with those higher returns. So expected return sort of, you know, sitting around the eight to 10% annually for, like, a high growth as, like, an expected annual return, hopefully, and then growth sort of sits more to us at seven to 9% expected\n\nChannel 1: Alright. So you you what you're saying is, like, I I should be okay to stay in the high growth till at least around age 60 or something and then look at maybe winding down a bit.\n\nChannel 0: return. Yeah. Well, given that you said you sorta don't wanna retire to the age of 65, maybe in a little bit longer, so that's that would be nine years in a growth portfolio, and then you could wind it back to, you know, say, like, a a growth or a balanced growth for those five years into your sort of sixties and then\n\nChannel 1: Right.\n\nChannel 0: preserve that balance a little bit more. But if you're not looking to take on as much risk given what's happened and you're happy to have a little bit less risk, we can look at a growth portfolio as well and wind it back a little bit now for you. But just\n\nChannel 1: Alright.\n\nChannel 0: given that you're you don't have much debt, you're working well, you're contributing well, and you're also contributing more to super, realistically, on the sides of, like, working life, you're working quite well and hard and contributing quite well. So those are years that you still wanna aim for a bit more growth while you've got that that time\n\nChannel 1: Yeah.\n\nChannel 0: on your side. It's it's very hard to justify it when you do hit 60 and you go, actually, I want a bit more growth and increasing it then because that's when you're playing with fire a little bit. If you do have, like, a backward step what occurred now\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: closer to that 60 mark in those sort of environments, then, yeah, it it's not very good. But in saying that's why we are looking at removing that active portion, which removes a level of risk, and you still\n\nChannel 1: Yep.\n\nChannel 0: have the same allocation to those growth growth assets.\n\nChannel 1: Yep. Yep. No. That's that makes a bit more sense. Alrighty.\n\nChannel 0: Yeah. But as as I said, have a a think about it.\n\nChannel 1: I\n\nChannel 0: Nothing\n\nChannel 1: will read\n\nChannel 0: set in\n\nChannel 1: it.\n\nChannel 0: stone.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Have a have a good read through it and see how you feel about it. So in terms of, like, a high growth, there is a bit of information about a high growth investor as well and sort of the the equities that it it focuses on there. In short, the recommended I know we sort of jumped all over the shop a little bit there, but it's to retain that\n\nChannel 1: Sorry.\n\nChannel 0: net wealth.\n\nChannel 1: That was my question,\n\nChannel 0: Yeah.\n\nChannel 1: but I'm ready.\n\nChannel 0: Yeah. No. That that's fine. And change those underlying investments. So with that one, you would be retaining net wealth.\n\nYou'd be switching those investments if you were happy with it. Now with that, it is looking at sort of building a a stronger sort of longevity with your super and having that less market exposure, especially during these times with what's happening in the market. And then with that one as well, it is reducing the investment cost. So that is a guaranteed savings that you will be having moving forward as well with the word and take the investment because having active investment actually costs more, and sometimes it does actually underperform, which is a bit of a double edged sword in terms of, like, the risk you do take versus the return and then the cost that takes for that risk.\n\nChannel 1: Okay.\n\nChannel 0: But by, yeah, underlying change those underlying investments, maintaining that fund, you don't take on all the capital gains for that. And then you can look, given the loss that has occurred, switching up those investments and not paying as much capital gains to do so, which is why we decided to do, like, a full sort of portfolio, a little update there as well. Now you will be paying less fees. It does have historically a better track record just given the last five year rolling averages, but that isn't too hard with what happened with Benelon, unfortunately. And then it is in line with your risk profile still, and then it will remove that management risk from your investment there as well.\n\nAs always, though, you there is a certain degree of risk that the recommended investments will not perform as recommended or sort of as the projection state because it is based on those those rolling averages there as well. But in saying that we have a bit more conviction in those index investments moving forward and their returns versus, like, the that you currently hold versus holding that,\n\nChannel 1: Yep.\n\nChannel 0: if that makes sense.\n\nChannel 1: Sort of. Yeah. I'm\n\nChannel 0: Yeah.\n\nChannel 1: I'm just looking at the on the page seventeen, nineteen, whatever. It's page 16. So that that shows all my investments there. Yeah?\n\nChannel 0: Yep. So that's everything total. So on the the left hand column, it labels everything, and you'll see the current weighting. Now the ones\n\nChannel 1: Yeah.\n\nChannel 0: up the top are the weightings of your current portfolio. You'll be able to see exactly what they're invested in. And then the few below that you're currently investing, they'll have a 0% waiting. Now with the changes, you'll see the buyers and sales. So we're looking at getting rid of Bennelong fully.\n\nWe're looking at getting iShares Misky fully and selling those down and then adjusting the Japan back to the original waiting of around the 5%. So that's selling back down a bit. And then you'll be investing a little bit more into your S and P 500\n\nChannel 1: Yes. I see\n\nChannel 0: moving,\n\nChannel 1: it.\n\nChannel 0: and then those top the bottom three investments are what the funds will be split between between selling down the Benelong and the iShares Misky. You'll be selling into the bank hybrids, which is that defensive portion, the BetaShares two hundred, and the All World excluding The US to make sure that you're not sort of geographically pinned to America or Australia there as well. It gives you a bit of more exposure outside of just, like, Japan as a third option in Europe.\n\nChannel 1: Yeah. Yeah. Yeah. No problem. Well, thank you.\n\nI'll I'll definitely I'll put him today at work, and I'll have a good read of it.\n\nChannel 0: Yep. Not a problem at all. And my screen's just frozen a second there, so bear with me. I'll have to pull up a different copy of your statement advice to keep going through that with you. Apologies for that.\n\nChannel 1: That's okay.\n\nChannel 0: That's just gonna take a second to load back up. Going back down to page 16 then. Sorry. Perfect. Yep.\n\nSo on that one, you'll obviously see those buy sell trades. Now from the allocation so if you go to page 70 there, you'll be able to see what currently investing in terms of what your growth does defensive assets and alternatives.\n\nChannel 1: What page? Sorry.\n\nChannel 0: 17, the one just below that.\n\nChannel 1: 79. Yep.\n\nChannel 0: Perfect. Now the aim is to do that ninety ten split. So currently, you're around 90¢ growth at around 5% defensive with the alternative assets there as well. Now moving forward, it'll be 87.8% in the growth and then around 5.2 in defensive, plus seven in the alternative. So as I said, like, it's very close to in terms of, like, the amount of growth assets you do hold that you remove that managed portion there, which reduces that\n\nChannel 1: Okay.\n\nChannel 0: risk state that you will hold. But\n\nChannel 1: Yep.\n\nChannel 0: you still have that higher allocation to those growth assets to try and get those high returns over that long term period, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Below that, you'll be able to see what that looks like in terms of, like, the fees you'll be paying first the expected returns. As I said, it's to be taken with a grain of salt in terms of, like, the expected outcomes of this, but it just shows you based on the five year rolling averages what might occur. Now with the one that I'm sort of more focused on is the investment cost. So removing those investments and going more index approach there, you'll be removing a a lot of the investment fees that come with that.\n\nSo it nearly removes $1,400 in terms of, like, investment costs you'll be paying each year, like, in terms of the investments you do hold, plus another\n\nChannel 1: Yeah.\n\nChannel 0: 160 or close to a 170 in terms of, like, other fees associated with those investments. So it does work out that you'll be saving in terms with all of that around the sort of $1,187 per annum. And the reason\n\nChannel 1: Yep.\n\nChannel 0: it's not higher is because you're contributing more, which means that your balance is gonna continue to grow, which means the adviser fee being percentage based means that that will go up slightly. But that's based on the projected return. So it's not the fee you'll actually be charged. It's based on, like, a year's worth of growth and things like that as well. So,\n\nChannel 1: Yeah.\n\nChannel 0: again, if the markets don't perform as well, you get charged off the balance you do occur, which as bad as it does sound even though that they did have a bit of a backwards turn in your fund, it means that we get paid less for what occurred as well because it is that percentage based with the outcomes there. But the guaranteed savings there will help grow your superannuation balance because that will go towards the growth and not the investment, especially since they weren't performing too fantastic.\n\nChannel 1: Yep. With the net with the contribution, I'm just looking on that same page. Was it page 18?\n\nChannel 0: Yep.\n\nChannel 1: Net contributions per annum. So sixteen seven six two, that's what the work contributes? That's without the voluntary contributions?\n\nChannel 0: Yeah. So\n\nChannel 1: Is\n\nChannel 0: that was\n\nChannel 1: that\n\nChannel 0: based\n\nChannel 1: correct?\n\nChannel 0: on the on, like, your employer contributions that you were\n\nChannel 1: Yeah. And recommended is what you recommending to, like, to get up to by adding another 9,800, like, through voluntary contribution?\n\nChannel 0: receiving. Yeah. So with that, it's it's net contributions as well. So you still get taxed in super and just not\n\nChannel 1: Alright. It\n\nChannel 0: as\n\nChannel 1: looks\n\nChannel 0: much,\n\nChannel 1: 15% or something.\n\nChannel 0: yeah, the 15% plus, like, obviously, yeah, going into that. So with that, it just works out to be, like, a little bit less even though you're aiming for that 34,000. You obviously get taxed as well going into that plus, like, whatever the growth going in as well.\n\nChannel 1: Okay. And I did you say I can check on the myGov how much I'm up to up to date with you, like, up to what the year is up to, sort of how much I've already\n\nChannel 0: Yeah. You should be able to see your\n\nChannel 1: contributed?\n\nChannel 0: contribution cap spacing for not only, like, this year, but previous five years as well. So\n\nChannel 1: Okay.\n\nChannel 0: if you were to exceed it, you might have some carry forward if you wanted to do something like that. Obviously, we can have a chat about that a bit later if it comes closer to tax, and you feel like you're gonna exceed it or wanna exceed it. If you do have that carry forward space, you can contribute more without getting penalized and taxed more.\n\nChannel 1: Okay. I'll have a look at the myGov. I didn't realize that you could do that. I know you've mentioned it once before as well, but I haven't looked at it. Okay.\n\nChannel 0: Yeah. So we can we can see, like, on your your account the, like, the total deposits that you've made and through the transactions. But, obviously, I can't tell when your employer is gonna make their their I can obviously see when it roughly might look like based on, like, what's occurred previously, but you'd have a bit more of an idea of when\n\nChannel 1: Yes.\n\nChannel 0: your employer is gonna put in your contributions and things like that as well and how much you expected based on\n\nChannel 1: Have\n\nChannel 0: your\n\nChannel 1: they have they changed the rules with that? It was, like, every three months and now it has\n\nChannel 0: payslip.\n\nChannel 1: to be, like, monthly or something?\n\nChannel 0: I believe it's only, like, every quarter they have to do it. So some people used to do it weekly. Some piece people used to do it monthly. I believe as a minimum, they have to do it quarterly in terms of, like, contributions at the moment, but it has, like, sort of changed every now and then, and that's purely because you can't just withhold a year's worth of contributions for a year and then dump it in all at once because that's a year's worth of growth your employee is missing out on that the employer gets by holding those funds. Now\n\nChannel 1: Yep.\n\nChannel 0: it does cost the employer every time they put money into super through, like, SuperStream. It does cost accounting wise to put money into to super that the business does have to pay,\n\nChannel 1: Yep.\n\nChannel 0: which is why a lot of employers don't do weekly contributions and things like that as well. They'll tend tend to do monthly or or quarterly.\n\nChannel 1: Yeah. A quarterly is that, like, a min a a minimum sort of you have to do it quarterly.\n\nChannel 0: Yeah. I believe so. At the moment,\n\nChannel 1: Yeah.\n\nChannel 0: it is, like,\n\nChannel 1: Okay. No worries.\n\nChannel 0: Perfect. But do you have any questions in regards to that table at all? And just double check. Yeah. It is it is quarterly.\n\nChannel 1: Yeah. Okay. Thank you. I'm just looking the last one, three year rolling average. So currently, high growth returns around 13.8.\n\nRight? Is that what that means?\n\nChannel 0: So the the three year rolling average yeah. So these are based on they're not exactly what would have occurred because it does, like, exclude certain events, so it doesn't carry across to, like, what occurred in your fund. But before phase, like, the that investment was like, that's the the five year rolling average. Now it doesn't sorta always work out what occurred in the fund. And, obviously, in your case, it didn't in terms of, like, what you did receive versus the cost you were paying, like, investment wise.\n\nBut before\n\nChannel 1: Yep.\n\nChannel 0: you take into consideration costs and things like that, that's, like, the the return rate with the three\n\nChannel 1: Okay.\n\nChannel 0: year rolling average.\n\nChannel 1: And what what does recommended mean? $18.99 is that if we go with your advice, that's what it should\n\nChannel 0: That\n\nChannel 1: sort of look like. Like,\n\nChannel 0: that's,\n\nChannel 1: if you\n\nChannel 0: like,\n\nChannel 1: have\n\nChannel 0: that's\n\nChannel 1: a\n\nChannel 0: what I\n\nChannel 1: crystal\n\nChannel 0: said. Like, investments are meant to be taken with a grain of salt\n\nChannel 1: ball.\n\nChannel 0: because they're based\n\nChannel 1: Yeah.\n\nChannel 0: on what did occur. Like\n\nChannel 1: Yep.\n\nChannel 0: because if you go over the page as well, you can see, like, the the twelve months, three years, and five years. Now if you look at the twelve months report, you say you're doing that 1.2 before you take into account investment costs and things like that. And then that five years close to that 8.8 before you take into account fees, which is where you're sort sitting now given what occurred during COVID and things like that.\n\nChannel 1: Yeah.\n\nChannel 0: And then if you look at the twelve month and the three years from those index investments, just because the markets have been doing well in terms of, like even though they've been quite volatile with, you know, Trump playing around in the market, they've been ticking up quite steadily, which is why\n\nChannel 1: Mhmm.\n\nChannel 0: those index investments have been doing well. It's not always the case, which is why I say, like, take it with a a grain of salt. If the markets are doing well, then your index investments are doing well. But if the markets aren't doing too fantastic and has stagnated a little bit there as well, then\n\nChannel 1: Yeah.\n\nChannel 0: your your investments do slow with that as well.\n\nChannel 1: Alright. Yep. Alright. Yeah. We can keep moving.\n\nChannel 0: Yep. Yep. The next section is just based on that salary sacrifice. So based on what we've got in your superannuation, you have around that $13,000 in concessional contribution cap remaining for the end of the year. Now if you go to page 21, you'll be able to see a breakdown in that table versus your employer\n\nChannel 1: Yes.\n\nChannel 0: pay contributions plus the the bonus, which we accounted for that four weeks pay there as well for your your salary just in case versus the the taxable income that you will be receiving. So you have your super employee contribution. So based on that, it's looking around the 15,637 salary sacrifice for the $100 a week is 5,200. With increasing that to reach the cap, you're looking at around the 15,000 in super and then 15,000 salary sack there as well minus the the tax going into your superannuation.\n\nChannel 1: Okay.\n\nChannel 0: As I said, those figures to be taken with a grain of salt based on the fact that you have already increased your contributions. So I would just,\n\nChannel 1: Okay.\n\nChannel 0: like, be mindful of that, like, in the next sort of few months, obviously, leading up to the end of the financial year, just making sure that you've accounted for all your pay cycles for your quarter to go in before making, like, your last contributions and\n\nChannel 1: So I should do I should be able to check that with my with work as well, like the account that works should be able to\n\nChannel 0: things like that. Yeah.\n\nChannel 1: advise\n\nChannel 0: They\n\nChannel 1: me.\n\nChannel 0: should you should be able to see on your play slip what\n\nChannel 1: Yeah.\n\nChannel 0: your super entitlement is, and then you\n\nChannel 1: Alright.\n\nChannel 0: could just ask accounting when that when that's a bit when they pay that so you know when that's gonna go in and what amount that is, and then just sorta add that to what you've got in your remaining cap space and make sure that based on your salary sacrifice that you're contributing as well that you're not gonna exceed that.\n\nChannel 1: Yep. No worries. Thanks.\n\nChannel 0: Not a problem at all. And there is a a slight typo there as well. It's meant to be $14.04 8 for the salary sacrifice. Just a slip of the thumb, it looks like there. Because,\n\nChannel 1: Alright.\n\nChannel 0: obviously, your cap space is 30. So 15 plus 15 with some change there that you're sitting at 31. But as I said, the the figures are just to highlight what that sort of looks like in terms of what you're paying versus what you would be paying and that the outcomes tax wise in terms\n\nChannel 1: Yep.\n\nChannel 0: of, like, your take your take home pay and everything like that. So that's for that twelve month period, what that sorta looks like if you do contribute the full 30,000, if that makes sense.\n\nChannel 1: Yep. Yep.\n\nChannel 0: Obviously, the advantage of that, you're obviously taking advantage of that 15% tax rate. It's investing given that you don't have much debt as well for, you know, your retirement, the end of your working life as well versus, like, having a retirement or investment outside of super that does form part of your taxable income. So you do form that tax benefit. The disadvantage is you've obviously locked that away into your immediate condition of the lease mainly. Given that we could, you know, not do so, sacrifice, look at investment outside of super as well.\n\nGiven that you're in a position there where you've got a nice amount of savings, don't have much debt, and the debt you do have, you could pay off if you wanted to.\n\nChannel 1: Yep.\n\nChannel 0: It just works out that you could still even have an outside super investment in the next few years, and you can afford what you're currently doing there as well. And you've got that cash buffer to not really have to worry too much as well\n\nChannel 1: Yeah.\n\nChannel 0: if\n\nChannel 1: But\n\nChannel 0: something\n\nChannel 1: given my given my and everything, do you think it's\n\nChannel 0: did\n\nChannel 1: a smart\n\nChannel 0: occur.\n\nChannel 1: strategy to just keep doing salary sacrificing up to $30 thousand dollar account?\n\nChannel 0: If you can afford it, obviously, the benefit is come your retirement age, you get those like, obviously, if you get some growth out of it, you get that all tax free in terms of distributions. The growth inside it still gets taxed at whatever, like, growth it earns\n\nChannel 1: Yes.\n\nChannel 0: and incomes it earns. But if you had an investment outside of super come, you know, retirement, if you put 50,000 or 30,000 a year, you know, investment outside of super, when you wanna draw that down in retirement, you still gotta pay the capital gains\n\nChannel 1: Yeah.\n\nChannel 0: on that. And then\n\nChannel 1: Yeah.\n\nChannel 0: drawing down on that income, you've always gotta pay tax and everything like that. Whereas through super, as long as you can afford to lock it away for that time line, you do have that added benefit of receiving\n\nChannel 1: Yeah.\n\nChannel 0: more of the funds tax free as opposed to to not and having that liquidity and access to it. But you do have a large portion sitting in cash as well\n\nChannel 1: Yeah.\n\nChannel 0: if you did need the funds for anything.\n\nChannel 1: No worries.\n\nChannel 0: Perfect. In terms of the insurance side of things, there's Zoran. So we're just looking at replacing your current policy with a a more comfortable cheaper option. So when going to market, there is well, we did find that if you applied for $300,000 of life and TB, that's 7,000 a monthly benefit of income protection, and a thirty day wait still on a five year benefit, And a thirty day wait still in a five year benefit period, it nearly cuts the premiums down there in half. So you're looking at more 2,500 per annum as a yearly premium opposed\n\nChannel 1: Yes.\n\nChannel 0: to the the 4,900 or close to 5,000 that you're currently paying there. Now it is a little less in terms of, like, the monthly benefit for your income protection, but given that you don't have\n\nChannel 1: Not\n\nChannel 0: much\n\nChannel 1: far.\n\nChannel 0: debt there as well, that would cover, like, your base expenses and things like that. Obviously, you still get taxed on that 7,000, but it makes it a lot more affordable.\n\nChannel 1: Fine.\n\nChannel 0: It brings it back down to that $300,000 flat as well, but you still have that thirty day wait and five year benefit period, which is still nice and comprehensive there for you.\n\nChannel 1: Yep.\n\nChannel 0: You would just have slightly less coverage in terms of the benefit amount for income protection. But in worst case scenario, I'm assuming like, given your payments aren't probably huge on the loan that you pay for that\n\nChannel 1: No.\n\nChannel 0: redraw, And then your living expenses, if you are injured, you're not gonna be out partying on the weekends either. So in terms of that, you probably don't need to cover for much more than that anyway unless you were planning on, you know, taking a holiday to Mexico while you're on income protection claim, which I would highly recommend again because you'd probably end up off claim pretty quickly. Now with that one, we will be looking to cancel the Neos policy that you do currently hold. There is that features gained and lost there. It's mainly in regards to the TPD portion.\n\nSo the ClearView, the main thing is you don't have the partial benefits. Like, that's claims for, you know, things like they\n\nChannel 1: Yep.\n\nChannel 0: cover for specific loss of limbs, things like that, where they'll pay out partial TPD, which you don't want have with the Clearview. But that's part of also paying less in terms of the yearly premium there as well. You do lose a little bit of those benefits, but the income protection's quite comparable in terms of what you're paying and what you're receiving.\n\nChannel 1: Yep.\n\nChannel 0: But as I said, I have a quick look through that appendix there as well. You can see it much like we went through previously in what you're gaining versus what you're losing.\n\nChannel 1: Can I start here quickly on the page 23, it says yearly premium? So that that's what the new premium would be, $2,506.07\n\nChannel 0: Well, technically, it's $29.29 50,\n\nChannel 1: a\n\nChannel 0: basically.\n\nChannel 1: month.\n\nChannel 0: But\n\nChannel 1: Oh.\n\nChannel 0: with being inside super,\n\nChannel 1: Oh,\n\nChannel 0: you get the 15% rebate, which brings it down to the $2,500.\n\nChannel 1: that's how it works. Yep.\n\nChannel 0: Yep.\n\nChannel 1: I was thinking hang on. The the should that be the other way around? But I know what you mean now. Yep.\n\nChannel 0: Yeah. So the the one listed below is the higher one because paying outside of Super, you get that 15% rebate,\n\nChannel 1: Yep.\n\nChannel 0: which is nice.\n\nChannel 1: Yeah.\n\nChannel 0: And then, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: you'd be canceling that Neos product there as\n\nChannel 1: Yes.\n\nChannel 0: well. The only difference that came out with that, Zoran so within regards to your current Neos policy, I know you did disclose you had a leg injury, but on the application,\n\nChannel 1: Yeah.\n\nChannel 0: you didn't mention that you had the tendon the tendon surgery. Now\n\nChannel 1: Yep.\n\nChannel 0: when we disclosed that with the update, it's looking like due to the surgery with the tendon, it would have been an exclusion on the Neos policy, which technically is a nondisclosure anyway, so it should technically apply to the Neos policy. Now I'm not saying you did that maliciously by any means. You did mention that you had the leg injury. You just, like, didn't mention the fact that you had the tendon surgery related to that as well. So with that, you would have the men oh,\n\nChannel 1: I'm\n\nChannel 0: sorry?\n\nChannel 1: sure I've mentioned everything as like, everything that they've asked me. How would they otherwise know that I have a tendon replacement if I didn't mention it?\n\nChannel 0: No. We on the original policy, the Neos one back in '20\n\nChannel 1: Yeah.\n\nChannel 0: '19,\n\nChannel 1: Yep.\n\nChannel 0: was it? You mentioned you had a leg injury, but it wasn't until you mentioned at the latest round of pre assessments we did with the insurers to look at insurances again that you\n\nChannel 1: Okay.\n\nChannel 0: had the the app. So with that, just given that like, obviously, it doesn't affect you in everyday life. It just means that moving forward, it'll be an exclusion. But, technically, it should have been exclusion on that current Neos policy.\n\nChannel 1: Okay. So\n\nChannel 0: Just\n\nChannel 1: it won't affect me going forward, what you're saying, because\n\nChannel 0: well, either, yeah, either way, even if you didn't go\n\nChannel 1: it's\n\nChannel 0: ahead with these insurance, it technically still should apply to the\n\nChannel 1: on\n\nChannel 0: Neos policy because they came back saying that\n\nChannel 1: there.\n\nChannel 0: it would be it would have been an exclusion, basically. When we didn't\n\nChannel 1: Yep.\n\nChannel 0: tell them, obviously,\n\nChannel 1: Yep.\n\nChannel 0: it was you when we did those pre assessments. It's a blind pre assessment. But when Neos looked at your profile, the fact that you had the leg injury with the surgery, they said that would result in a leg exclusion,\n\nChannel 1: Yeah.\n\nChannel 0: which means that it should apply to your current policy now. It just doesn't. Because I had a look at the previous like, the application you did way back then. You mentioned the leg injury, just not the surgery,\n\nChannel 1: Yeah.\n\nChannel 0: which which isn't an issue because we're looking at rewriting anyway. It just will mean that you will have that mental health exclusion and the leg exclusion. But even if we kept that Neos policy, we would have to probably go to them and say, hey. Discovered this. And they have the\n\nChannel 1: Yes.\n\nChannel 0: chance to basically say, oh, no. We don't want this policy anymore, or they'll just change it to have the exclusion. Or\n\nChannel 1: Yep.\n\nChannel 0: you just don't tell them and you run the risk that if you hurt yourself with that tendon injury and try and claim on your policies, there's a chance\n\nChannel 1: So\n\nChannel 0: that they\n\nChannel 1: if I have yeah. That's why look. I I don't\n\nChannel 0: might\n\nChannel 1: know\n\nChannel 0: find\n\nChannel 1: how that got excluded. It certainly\n\nChannel 0: it.\n\nChannel 1: wasn't deliberate. Like, I've I've had the injury. It was a yeah. It required a few surgeries and tendon transplants and all that. Like, I I answered the questions whatever they've asked me at the time,\n\nChannel 0: That's\n\nChannel 1: but\n\nChannel 0: yeah.\n\nChannel 1: I've had\n\nChannel 0: That's\n\nChannel 1: But\n\nChannel 0: that's what I'm\n\nChannel 1: if\n\nChannel 0: saying,\n\nChannel 1: they're on\n\nChannel 0: sir.\n\nChannel 1: forward\n\nChannel 0: Yeah.\n\nChannel 1: yeah.\n\nChannel 0: It's\n\nChannel 1: If if\n\nChannel 0: it's\n\nChannel 1: I\n\nChannel 0: not\n\nChannel 1: have an injury on this same leg, as long as it's not that tendon or to do anything to do with that old injury, I would be still covered even though it's on that same leg. But if it's\n\nChannel 0: exactly.\n\nChannel 1: totally\n\nChannel 0: So\n\nChannel 1: different\n\nChannel 0: if\n\nChannel 1: yeah.\n\nChannel 0: if you broke that leg in a car accident and you couldn't walk on that leg anymore, it's not excluded due to that reason. It's due to if\n\nChannel 1: That's\n\nChannel 0: anything\n\nChannel 1: alright.\n\nChannel 0: comes\n\nChannel 1: Yeah.\n\nChannel 0: comes from that tendon injury from previous surgeries or you have to go get another surgery. Like,\n\nChannel 1: Yeah.\n\nChannel 0: say, if\n\nChannel 1: Yeah.\n\nChannel 0: you had to take time off work because you had to go get the tendon refixed because something went wrong,\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: you wouldn't be able to claim on IP or things like that. But any other injury nonrelated to that or deemed to be related to that injury, it's fine. It's still covered.\n\nChannel 1: I get that. Yep. No problem.\n\nChannel 0: Yeah. And as I said, it can they're quite worthy, those pre assessments too or, like, the application summary. So by any means, like, we've had plenty of people answer the questions truthfully, and it still comes back that it's potential nondisclosure because they put the thing down the bottom always any additional information. If you answered all the correction like, questions correctly, they could still sorta come back and be like, we asked any additional information you wanna give us, and you didn't give us x y zed, which they found out about later. So, you know, the insurers are always trying to get out of it by any means necessary.\n\nChannel 1: Yeah. Of course.\n\nChannel 0: So, yeah, by any means, I'm not saying that you've maliciously did that at All Zone, so you're\n\nChannel 1: Yeah.\n\nChannel 0: quite truthful\n\nChannel 1: I yeah.\n\nChannel 0: on your, yeah, your pre assessments and everything. So yeah. But, yeah,\n\nChannel 1: Yeah.\n\nChannel 0: the the fact of the matter is it will be an exclusion, and it would have been an exclusion on that nail policy anyway if as long as you're comfortable with that.\n\nChannel 1: Yeah. I am. Yep.\n\nChannel 0: Perfect. In terms of the cover amounts, obviously, I said it's a little less IP, but that helps with cost. That life and TPD portion, it's mainly just in the event that anything did occur to you. You do have those funds. Obviously, you do have quite a large balance in terms of super pardon me.\n\nAnd then funds outside of super as well in terms of, like, your assets.\n\nChannel 1: Yep.\n\nChannel 0: So we don't wanna be ensuring you could too much where you don't need that level of cover given that you're largely debt\n\nChannel 1: I'm\n\nChannel 0: free.\n\nChannel 1: comfortable. Yeah. I'm comfortable with what you proposed. That's okay.\n\nChannel 0: Perfect. In terms of, like, insurance through superannuation, obviously, there is a cost to that and the effect on superannuation balance. So the five and ten year impact, obviously, you know, again, taken with a grain of salt. But, you know, if everything was to recur year on year, it would show you just what that would look like versus having current, no insurance, or the recommended\n\nChannel 1: What does\n\nChannel 0: insurance\n\nChannel 1: that\n\nChannel 0: in\n\nChannel 1: mean?\n\nChannel 0: terms\n\nChannel 1: Sorry.\n\nChannel 0: of,\n\nChannel 1: I'm just\n\nChannel 0: like,\n\nChannel 1: looking\n\nChannel 0: the\n\nChannel 1: at that\n\nChannel 0: cost.\n\nChannel 1: page. It says 4,995 premium. What\n\nChannel 0: Yep.\n\nChannel 1: is the five year impact mean?\n\nChannel 0: So that's like minusing a premium from your growth sort of thing to show you what that looks like\n\nChannel 1: That's like\n\nChannel 0: versus\n\nChannel 1: a projected growth\n\nChannel 0: yeah.\n\nChannel 1: and\n\nChannel 0: With taking into account the insurance cost\n\nChannel 1: that's\n\nChannel 0: and, like, the performance as well. And then it\n\nChannel 1: fine.\n\nChannel 0: shows you the performance with the new insurance cost.\n\nChannel 1: Yes.\n\nChannel 0: As I said, you know, highly inflated figures by any means. I admit that. But it just shows you if everything based on, you know, the percentage returns, the insurance costs, what that might look like versus having, like, no insurance and the cost you're paying for that, if that makes sense.\n\nChannel 1: So when you say highly inflated, like, I shouldn't be looking at the ten year impact and think I'll end up with 1,880,000.00 or something like that.\n\nChannel 0: Yeah. Because, like, it's based on that three year average because, like, it only goes up to to three in terms of what we could project for that. And then to say that those same three years are gonna replicate for the next ten years, you'd be saying, like, the markets are gonna do the exact same thing back to back\n\nChannel 1: Yep.\n\nChannel 0: twice, basically, or three times, which\n\nChannel 1: Yes.\n\nChannel 0: are never gonna occur by by any means. Like, you look at any point of stretching history, like, it it rarely will go like that for that\n\nChannel 1: Yep.\n\nChannel 0: period of time, which is why I say, like, highly inflated because, obviously, it's been quite good for that index investment for those years that, you know, if they have a bad year, quite a stagnant year, that obviously affects returns and same with, you know, good years and bad years sort of thing. Those big what? Yep. Sorry.\n\nChannel 1: Fair enough. I just want to ask to, like, when I first signed with you guys, like, a savvy sit down and said, okay. So what do you where do you wanna be when you retire? What how much income would you be comfortable in today's dollars to retire on? Are we how do we how do we track that?\n\nLike, how do we know if we are still on that? Like, do you have that, like, plan still, like, in in the system? Or is that is that how it works? Or\n\nChannel 0: So with that one as well with that, like, expectation setting is one of it. And then to say to someone, you know, that's twenty years away from retirement that this is what you're you're gonna get, it is, like, with the world\n\nChannel 1: I know.\n\nChannel 0: and why\n\nChannel 1: It's\n\nChannel 0: things\n\nChannel 1: fine.\n\nChannel 0: are\n\nChannel 1: That's\n\nChannel 0: yeah.\n\nChannel 1: fine. Yeah.\n\nChannel 0: Yeah. So we we obviously try and keep aligned with what you're wanting to achieve and trying to get you there, which is why we do these updates and things like that as well.\n\nChannel 1: Mhmm.\n\nChannel 0: But as far as, like, what you originally projected, I'd have to go back and have a look and see what that that look like in terms of, like, the figures to see if I I could see that. But we do have, like, your goal of what you're trying to achieve by retirement and the income in retirement, which is what more so I'm basing on. It's getting that sort of $1,700 per week in retirement and trying to get there. And as you get to get closer, that's when we start, you know, doing those drawdown calculators and seeing what that looks like and pushing out and stepping out what those drawdowns look like and how long that might last you and whether or not, you\n\nChannel 1: Yeah.\n\nChannel 0: know, we're achieving that goal or not. But to do that now when you're sort of fifteen years away from potentially hanging up the boots, you could work longer, you might not.\n\nChannel 1: Yeah.\n\nChannel 0: There's a bit bit too many variables there\n\nChannel 1: Yeah.\n\nChannel 0: that that I'm I'm not gonna include that in an advice document to say that, like, a\n\nChannel 1: Yeah.\n\nChannel 0: 100\n\nChannel 1: Yeah. That's\n\nChannel 0: percent we're there. When a year from now, like, if the markets go great, you're above that goal. If it has a bad year, then you're below that goal sort of thing. Like, that's why\n\nChannel 1: oh, yeah. Yeah. I was more aiming to, like when I was asking that is, like, okay. I've been with you guys for five or six years. If things were, like, for the next five or six years similar and then or and going forward, are we looking like, yep, it's somewhere there sort of thing where we where we're heading or or not.\n\nThat that's what I meant, if that makes sense.\n\nChannel 0: Yeah. You get within, like, the ten year mark of, like, your retirement. So if you are 55, that's when you can sort of start looking and projecting it a little bit more. It's still quite a ways out,\n\nChannel 1: Yeah.\n\nChannel 0: but it's not fifteen years away, if that makes sense. And then given\n\nChannel 1: Yes.\n\nChannel 0: that, like, obviously, you had the COVID run and things like that, which is a lot harder to predict for, so that has put you in a bit of a back foot. But you've still got plenty of working life behind\n\nChannel 1: Yeah.\n\nChannel 0: you in terms of that. And, you know, in the next five years, like, we might see how things go. Obviously, you do your annual\n\nChannel 1: Yes.\n\nChannel 0: reviews. If you do another twelve months from now and you're still really not happy with the service, you can go go above me and have a chat with someone else and see what you wanna do with things, whether or not you wanna move back to an industry fund or whether, you know, you wanna speak to a different adviser. I take no no offense. It's your money at the end of the day, Zoran, and it's whatever you wanna do with it. I'm obviously here to make my recommendation.\n\nBut if you don't feel that that best\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: you, then I'm I'm probably not doing my my job that great anyway. So you can go to wherever you feel like you're getting the most value for your money or getting the what\n\nChannel 1: Yeah.\n\nChannel 0: you\n\nChannel 1: Yeah.\n\nChannel 0: expect\n\nChannel 1: Yeah.\n\nChannel 0: or what you want out of things.\n\nChannel 1: Okay. Yeah. Well, we we can keep going if you like.\n\nChannel 0: Yep. Well, in terms of that, that is, like, the gist of most obviously, I could go a bit more into the alternatives\n\nChannel 1: Oh, yeah.\n\nChannel 0: and the the advantages and disadvantages, but that is, like, the the superannuation, the investment side of things, and the insurance side of things with the touching on the the salary sacrifice part. So the main\n\nChannel 1: Yes.\n\nChannel 0: key points I do need to touch on there are just the the what we do receive. So the upfront, if we were to rewrite that Clearview, we do get 66% of the upfront premium for that. That's not an additional cost you pay. That's just what we get paid from the insurer for setting it up and going through that process of doing the application and setting it up for you. And then the adviser fee is at 1.1.\n\nSo moving forward there as well, you do have that 1.1% fee, which is nice that that got knocked down not too long ago at the end of last year. So that'll\n\nChannel 1: Yep.\n\nChannel 0: also help in those ongoing costs. That $3.09 $3.02 is that annual premium, and then the 22% premium is what we get from the insurer premium. That's not an additional cost to you. That way, you get remunerated for maintaining that policy. We're just happy to disclose it because it's something that we do receive.\n\nWe don't get conflict of remuneration for many of our other investments, things like that. So everything that we get for managing your accounts disclosed there on page 32 in terms of the premium from the insurer that we get and then the advice fee we get from your superannuation as well.\n\nChannel 1: Yeah. Alright.\n\nChannel 0: Yep. And then, obviously, if you were happy with everything, we would, in the back end, change those underlying investments for you. If you do wanna hold off a little bit longer there as well, feel free to let us know. We can hold off and see how Benelawn's tracking and implement a bit later, all sort of things in regards to that. In regards to superannuation and your salary sacrifice, you've already increased that.\n\nSo just keep an eye on that, check your myGov, make sure you're not gonna\n\nChannel 1: Yep.\n\nChannel 0: exceed that 30,000. Give us a call even. We can tell you how much you've actually contributed to the fund. But as I said, we can't tell when your employer contribution's exactly gonna pay or how much it's gonna be because you've got the payslips there. You'd know more than me.\n\nChannel 1: Yeah.\n\nChannel 0: And then if you are happy with everything, we'd get you booked in for that personal statement there with one of my colleagues, and they'd go through that application, apply for those ClearView insurances. Now with that as well, once we're applying for those, we're not canceling your nails straight away. We wouldn't do that until your ClearViews enforce. Worst case\n\nChannel 1: Okay.\n\nChannel 0: scenario is something pops up, you get declined, we just keep the Neos policy, and we let them know about the nondisclosure. If you don't wanna tell them about it, then we just don't run that risk. But in the meantime, you'll still have that Neos policy and be covered until such time\n\nChannel 1: Yeah.\n\nChannel 0: we that clear your policy in force. Once that's canceled, the remaining of the twelve month premium that you have paid, you get refunded to your account from that Neos policy as\n\nChannel 1: No problem.\n\nChannel 0: well.\n\nChannel 1: Thank you, mate. Yeah.\n\nChannel 0: No problem. Do you have\n\nChannel 1: I'll\n\nChannel 0: any other questions?\n\nChannel 1: I'll no. Not really. At this stage, I'll I'll read everything that's in the document. I'll print it out. I think I find it easier to bring it on the paper.\n\nSo\n\nChannel 0: Yeah. Grab\n\nChannel 1: yeah,\n\nChannel 0: a\n\nChannel 1: I'll\n\nChannel 0: highlighter\n\nChannel 1: get back to\n\nChannel 0: then.\n\nChannel 1: you. You said within thirty days or so. Yeah. I'll I'll get back to you and we'll, yeah, go from\n\nChannel 0: Yeah.\n\nChannel 1: there.\n\nChannel 0: Feel free to call up, put another booking in. I'm happy to have a chat. Obviously, it's a\n\nChannel 1: Thank\n\nChannel 0: lot\n\nChannel 1: you,\n\nChannel 0: of information\n\nChannel 1: mate.\n\nChannel 0: coming at you. But, yeah, you've technically got 60, so within the thirty, as long as\n\nChannel 1: Yes.\n\nChannel 0: you confirm after that that you've nothing's changed in regards to your circumstances or asset liabilities, the SOA is still fine,\n\nChannel 1: Yes.\n\nChannel 0: then if you got another 30 after that. So even if you push that right out to see how Ben Long's tracking and then having another conversation towards the end there, more than more than happy with that. You can just get it booked in as well.\n\nChannel 1: No problem. Thank you.\n\nChannel 0: No problem, Zoran. Anything else for me while you've got me there just in regards to the\n\nChannel 1: No. Not really. Not I think we've talked a lot about everything. Thank\n\nChannel 0: yeah.\n\nChannel 1: you. Thank you for answering all my questions.\n\nChannel 0: That's not a problem, Zoran. I'm happy to. Again, apologize if you ever feel like you got the most out of service so far, but hopefully that changed moving moving forward if you're happy to stay with us there.\n\nChannel 1: No worries. Thank you, mate.\n\nChannel 0: Too easy. You enjoy the rest of your afternoon there, Zoran. Thanks for your time.\n\nChannel 1: You too. Thank you for your time too. Bye.\n\nChannel 0: Thanks, man. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.52,"end":2.0,"sentiment":"neutral","sentiment_score":0.03946059197187424},{"text":"Zoran speaking.","start":2.0,"end":2.82,"sentiment":"neutral","sentiment_score":0.05125170201063156}],"sentiment":"neutral","sentiment_score":0.047321331997712456,"channel":1,"num_words":3,"start":1.52,"end":2.82},{"sentences":[{"text":"Good afternoon, Zoran.","start":2.8799999,"end":3.84,"sentiment":"positive","sentiment_score":0.39489874243736267},{"text":"It's Carl calling from OQ Financial.","start":3.84,"end":5.44,"sentiment":"neutral","sentiment_score":0.22951178749402365},{"text":"How are you today?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.25095174089074135}],"sentiment":"neutral","sentiment_score":0.274274916603015,"channel":0,"num_words":13,"start":2.8799999,"end":6.2599998},{"sentences":[{"text":"Good, mate.","start":6.48,"end":7.12,"sentiment":"positive","sentiment_score":0.4265412837266922},{"text":"How are you?","start":7.12,"end":7.94,"sentiment":"neutral","sentiment_score":0.2820012867450714}],"sentiment":"positive","sentiment_score":0.3398172855377197,"channel":1,"num_words":5,"start":6.48,"end":7.94},{"sentences":[{"text":"Yeah.","start":8.0,"end":8.32,"sentiment":"neutral","sentiment_score":0.21364200115203855},{"text":"Not too bad at all.","start":8.32,"end":9.12,"sentiment":"neutral","sentiment_score":0.30593632757663725},{"text":"Thanks.","start":9.12,"end":9.44,"sentiment":"positive","sentiment_score":0.6183253526687622},{"text":"I had you scheduled in to go through that statement advice today.","start":9.44,"end":12.615,"sentiment":"neutral","sentiment_score":0.2996385072668393},{"text":"Is now still a good time?","start":12.615,"end":13.835,"sentiment":"neutral","sentiment_score":0.19287722806135812}],"sentiment":"neutral","sentiment_score":0.2845829778909683,"channel":0,"num_words":25,"start":8.0,"end":13.835},{"sentences":[{"text":"Yeah.","start":14.0,"end":14.4,"sentiment":"neutral","sentiment_score":0.1693030744791031},{"text":"Yeah.","start":14.4,"end":14.639999,"sentiment":"neutral","sentiment_score":0.2545150816440582},{"text":"Definitely it.","start":14.639999,"end":15.78,"sentiment":"positive","sentiment_score":0.4542688727378845}],"sentiment":"neutral","sentiment_score":0.3330889753997326,"channel":1,"num_words":4,"start":14.0,"end":15.78},{"sentences":[{"text":"Brilliant.","start":16.375,"end":16.875,"sentiment":"positive","sentiment_score":0.6452146172523499},{"text":"Just before we jump into that one, Zoran, if I could just pass you through security with that name, date of birth, and current address, we'll get stuck into that today.","start":17.015,"end":23.035,"sentiment":"neutral","sentiment_score":0.16039352960163547}],"sentiment":"neutral","sentiment_score":0.1755441885907203,"channel":0,"num_words":32,"start":16.375,"end":23.035},{"sentences":[{"text":"July 11.","start":23.335,"end":24.474998,"sentiment":"neutral","sentiment_score":0.010861377231776714},{"text":"731098 Miles Avenue, Waters Bay, New South Wales 2282.","start":24.695,"end":30.555,"sentiment":"neutral","sentiment_score":0.03195206831312842}],"sentiment":"neutral","sentiment_score":0.028117397207428108,"channel":1,"num_words":11,"start":23.335,"end":30.555},{"sentences":[{"text":"Perfect.","start":31.269999,"end":31.59,"sentiment":"positive","sentiment_score":0.5380129218101501},{"text":"Thanks for that one, Zoran.","start":31.59,"end":32.809998,"sentiment":"positive","sentiment_score":0.6129880428314209},{"text":"Now just before we jump into the actual statement of advice, can I just confirm in regards to, like, your assets and client details that nothing's changed since we, like, originally started the process and gone through everything and created the document?","start":33.43,"end":45.655,"sentiment":"neutral","sentiment_score":0.08602896678660597},{"text":"Everything's largely unchanged.","start":45.655,"end":47.035,"sentiment":"neutral","sentiment_score":-0.018195797378818195}],"sentiment":"neutral","sentiment_score":0.14042318331114217,"channel":0,"num_words":51,"start":31.269999,"end":47.035},{"sentences":[{"text":"Yeah.","start":48.405,"end":48.805,"sentiment":"neutral","sentiment_score":0.041833896189928055},{"text":"Life is unchanged.","start":48.805,"end":49.625,"sentiment":"neutral","sentiment_score":0.024115512768427532},{"text":"Still in the same job.","start":49.925,"end":51.625,"sentiment":"neutral","sentiment_score":0.05626586824655533},{"text":"Still got some savings in just, yeah, in a normal account sort of thing.","start":52.485,"end":58.005,"sentiment":"neutral","sentiment_score":0.020146744591849192},{"text":"And yeah.","start":58.005,"end":58.985,"sentiment":"neutral","sentiment_score":-0.003250756300985813}],"sentiment":"neutral","sentiment_score":0.026842507496476174,"channel":1,"num_words":25,"start":48.405,"end":58.985},{"sentences":[{"text":"Yeah.","start":60.05,"end":60.37,"sentiment":"neutral","sentiment_score":-0.05810476839542389},{"text":"I've started salary sacrificing a lot more.","start":60.37,"end":62.769997,"sentiment":"neutral","sentiment_score":-0.25313153862953186},{"text":"I think I'm putting in, like, something like close to maybe twelve, thirteen thousand per year extra sort of thing.","start":62.769997,"end":74.335,"sentiment":"neutral","sentiment_score":-0.1820657044649124},{"text":"I'm trying to stay on the 30 sort of that's about it.","start":74.335,"end":77.795,"sentiment":"neutral","sentiment_score":-0.11862915009260178}],"sentiment":"neutral","sentiment_score":-0.17237223573029042,"channel":1,"num_words":40,"start":60.05,"end":77.795},{"sentences":[{"text":"Yeah.","start":78.085,"end":78.405,"sentiment":"neutral","sentiment_score":0.11297554522752762},{"text":"Perfect.","start":78.405,"end":78.81,"sentiment":"neutral","sentiment_score":0.2478789985179901},{"text":"We did include that in the the statement of advice in regards to that salary sacrifice because I didn't know you wanna get close to the the cap there, and we just threw the numbers into that to show you what that sort of looks like.","start":78.81,"end":89.61,"sentiment":"neutral","sentiment_score":0.07411833018388438},{"text":"Obviously, you started contributing a bit more in the the time that since we spoke as well.","start":89.61,"end":94.455,"sentiment":"neutral","sentiment_score":0.013272078159977408},{"text":"So, yeah, just be mindful.","start":94.615005,"end":95.895004,"sentiment":"neutral","sentiment_score":-0.005619675293564797}],"sentiment":"neutral","sentiment_score":0.05668320977794272,"channel":0,"num_words":70,"start":78.085,"end":95.895004},{"sentences":[{"text":"Go under myGov if you're ever unsure and just double check the cap space you have there.","start":95.895004,"end":100.235,"sentiment":"neutral","sentiment_score":0.002877449945491903}],"sentiment":"neutral","sentiment_score":0.002877449945491903,"channel":0,"num_words":17,"start":95.895004,"end":100.235},{"sentences":[{"text":"Yeah.","start":100.57,"end":100.97,"sentiment":"neutral","sentiment_score":0.05826107785105705},{"text":"Yep.","start":100.97,"end":101.47,"sentiment":"neutral","sentiment_score":0.08200470358133316},{"text":"No 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way the new Odoo works, I'm not too sure if you've completed one of those.","start":153.64,"end":159.215,"sentiment":"neutral","sentiment_score":0.0962114744293301},{"text":"I think you might have with your annual review with your tax file number and everything.","start":159.215,"end":162.355,"sentiment":"neutral","sentiment_score":0.105625991942361},{"text":"It'll send you an email.","start":163.135,"end":164.41501,"sentiment":"neutral","sentiment_score":0.15321352183818818}],"sentiment":"neutral","sentiment_score":0.21692432862995514,"channel":0,"num_words":58,"start":149.32,"end":164.41501},{"sentences":[{"text":"It'll have some supporting documents, and then it'll also have a signable documents link.","start":164.41501,"end":168.175,"sentiment":"neutral","sentiment_score":0.12172419258526393},{"text":"Now within the signable documents link will be the the statement of advice, your ongoing service agreement if you're happy with the the advice, and then also happy to stay on for the 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the whole property and sort of where I'm in the iron with that as well, and that's still a possibility potential for the future.","start":300.30502,"end":306.86502,"sentiment":"neutral","sentiment_score":0.0875284613420566},{"text":"But at the moment, you have","start":306.86502,"end":307.74503,"sentiment":"neutral","sentiment_score":-0.03636539354920387}],"sentiment":"neutral","sentiment_score":0.06459721370979592,"channel":0,"num_words":81,"start":287.94998,"end":307.74503},{"sentences":[{"text":"Yeah.","start":307.725,"end":308.225,"sentiment":"neutral","sentiment_score":-0.025100568309426308}],"sentiment":"neutral","sentiment_score":-0.025100568309426308,"channel":1,"num_words":1,"start":307.725,"end":308.225},{"sentences":[{"text":"put 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Zoran.","start":330.29498,"end":340.25998,"sentiment":"positive","sentiment_score":0.3601588519608102}],"sentiment":"positive","sentiment_score":0.3601588519608102,"channel":0,"num_words":41,"start":330.29498,"end":340.25998},{"sentences":[{"text":"Open up a device.","start":340.06,"end":341.34,"sentiment":"neutral","sentiment_score":0.09226404130458832},{"text":"Yep.","start":341.34,"end":341.84,"sentiment":"neutral","sentiment_score":0.14910782873630524},{"text":"K.","start":346.7,"end":346.94,"sentiment":"neutral","sentiment_score":0.1015104353427887},{"text":"I'm just waiting for it to open.","start":346.94,"end":348.62,"sentiment":"neutral","sentiment_score":0.09938132230724607},{"text":"It's not happening this year.","start":348.62,"end":351.79498,"sentiment":"negative","sentiment_score":-0.4485755741596222}],"sentiment":"neutral","sentiment_score":-0.05152967696388563,"channel":1,"num_words":18,"start":340.06,"end":351.79498},{"sentences":[{"text":"Might just take in a second to 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that's loading as well, I'll give you the gist of what statement advice is there, Zoran.","start":371.7,"end":375.62003,"sentiment":"neutral","sentiment_score":0.2763040525217851},{"text":"So with the recommendation in the simplified version is we're gonna look at retaining your net wealth account just due to capital gains that may apply for moving your funds from your one platform to another.","start":375.62003,"end":386.035,"sentiment":"neutral","sentiment_score":0.1267668737305535},{"text":"You'd have to pay down the entire capital gains that's liable.","start":386.49503,"end":389.535,"sentiment":"neutral","sentiment_score":-0.08742081983522935},{"text":"Whereas if we just do an adjustment, you don't have to pay that full amount 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there's still capital gains on that even though you've had a few investments that took a bit of a backwards step and, like you said, quote, unquote, went down the shooter.","start":405.59,"end":414.675,"sentiment":"neutral","sentiment_score":-0.0038081686943769446},{"text":"There's still ones","start":414.815,"end":415.455,"sentiment":"neutral","sentiment_score":0.10846017301082611}],"sentiment":"neutral","sentiment_score":0.045919575609944085,"channel":0,"num_words":55,"start":399.50998,"end":415.455},{"sentences":[{"text":"Yes.","start":415.39502,"end":415.89502,"sentiment":"neutral","sentiment_score":0.19669821858406067}],"sentiment":"neutral","sentiment_score":0.19669821858406067,"channel":1,"num_words":1,"start":415.39502,"end":415.89502},{"sentences":[{"text":"that have made money over the time you've been on board there as well.","start":415.455,"end":418.01498,"sentiment":"neutral","sentiment_score":0.3094570572887148},{"text":"So there is a tax liability on your 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and","start":424.53,"end":426.77,"sentiment":"positive","sentiment_score":0.4461464583873749}],"sentiment":"neutral","sentiment_score":0.19146957461323058,"channel":0,"num_words":28,"start":420.25497,"end":426.77},{"sentences":[{"text":"am.","start":426.7575,"end":427.2575,"sentiment":"neutral","sentiment_score":-0.01668151281774044}],"sentiment":"neutral","sentiment_score":-0.01668151281774044,"channel":1,"num_words":1,"start":426.7575,"end":427.2575},{"sentences":[{"text":"you're able to utilize it for the purposes of having a retail fund and sort of modifying the investments and doing things, like, in the future with your superannuation retirement strategies.","start":426.77,"end":436.295,"sentiment":"positive","sentiment_score":0.639946682799247},{"text":"You don't have to pay that capital gains.","start":437.315,"end":439.155,"sentiment":"positive","sentiment_score":0.43297097831964493},{"text":"And then with that, we'll be looking at changing those underlying investments, like 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affect the advice piece much at all.","start":590.10004,"end":592.28,"sentiment":"neutral","sentiment_score":0.15460195309585995},{"text":"So from that as well, the page over to page 10 there, you'll be able to see your current position, your net wealth account, and then the insurances you do hold with the life CPD and income protection there and the price you do pay for those.","start":592.42004,"end":604.165,"sentiment":"neutral","sentiment_score":0.16723320601468392}],"sentiment":"neutral","sentiment_score":0.16804827013042536,"channel":0,"num_words":89,"start":580.76495,"end":604.165},{"sentences":[{"text":"So it was creeping up there.","start":604.165,"end":605.125,"sentiment":"neutral","sentiment_score":-0.2864064599076907},{"text":"I know you wanted to review that.","start":605.125,"end":606.665,"sentiment":"neutral","sentiment_score":-0.16034313078437532},{"text":"Now getting on to page 11 there, Zoran, you'll notice that there is a risk 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yeah.","start":716.98,"end":717.38,"sentiment":"neutral","sentiment_score":-0.06022552773356438},{"text":"I understand what you're you're saying there, Zoran.","start":717.38,"end":719.38,"sentiment":"neutral","sentiment_score":-0.026944075245410204},{"text":"So as like I was saying, sorry.","start":719.38,"end":721.31995,"sentiment":"neutral","sentiment_score":-0.09310722244637352},{"text":"In regards to the conversation that occurred previously, I can't sort of,","start":721.45996,"end":724.5,"sentiment":"neutral","sentiment_score":-0.11378210472563903}],"sentiment":"neutral","sentiment_score":-0.08006336738665899,"channel":0,"num_words":30,"start":716.25995,"end":724.5},{"sentences":[{"text":"Yeah.","start":724.435,"end":724.755,"sentiment":"neutral","sentiment_score":-0.09344512224197388}],"sentiment":"neutral","sentiment_score":-0.09344512224197388,"channel":1,"num_words":1,"start":724.435,"end":724.755},{"sentences":[{"text":"like, 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that route.","start":733.025,"end":742.54,"sentiment":"neutral","sentiment_score":-0.1855960654715697},{"text":"Like you said, you're a bit more one eggs all eggs in one basket sort of thing in terms of that active managed risk.","start":742.54,"end":747.83997,"sentiment":"neutral","sentiment_score":-0.12900210513422886},{"text":"Now in terms of high growth itself, it doesn't mean that you have to carry that manager risk, which is what we're moving away from or I was moving away there from you given what occurred and what was happening there.","start":748.06,"end":759.565,"sentiment":"neutral","sentiment_score":-0.1539546017784898}],"sentiment":"neutral","sentiment_score":-0.15578294149041175,"channel":0,"num_words":125,"start":724.98,"end":759.565},{"sentences":[{"text":"So with that one there, I am looking at removing the active portion entirely.","start":759.565,"end":764.305,"sentiment":"neutral","sentiment_score":-0.05833774246275425},{"text":"So even then, you do have a 30% weighting there as well, but that's for the S and P 500, which is the index, the top.","start":764.445,"end":772.27,"sentiment":"neutral","sentiment_score":0.04581006071888483}],"sentiment":"neutral","sentiment_score":0.009358329605311156,"channel":0,"num_words":40,"start":759.565,"end":772.27},{"sentences":[{"text":"Yes.","start":772.70996,"end":773.11,"sentiment":"neutral","sentiment_score":0.09184517711400986}],"sentiment":"neutral","sentiment_score":0.09184517711400986,"channel":1,"num_words":1,"start":772.70996,"end":773.11},{"sentences":[{"text":"There","start":772.89,"end":773.13,"sentiment":"neutral","sentiment_score":0.06469622254371643}],"sentiment":"neutral","sentiment_score":0.06469622254371643,"channel":0,"num_words":1,"start":772.89,"end":773.13},{"sentences":[{"text":"Yes.","start":773.11,"end":773.61,"sentiment":"neutral","sentiment_score":0.11721375584602356}],"sentiment":"neutral","sentiment_score":0.11721375584602356,"channel":1,"num_words":1,"start":773.11,"end":773.61},{"sentences":[{"text":"is yep.","start":773.13,"end":774.41,"sentiment":"neutral","sentiment_score":0.11847232654690742},{"text":"So with that as well, so you'll have the 35% in that key index fund, and then you'll have 25% another index fund in Australia.","start":774.41,"end":781.69495,"sentiment":"neutral","sentiment_score":0.09932876765727996},{"text":"So you'll still have a large percentage weighing in the core of your portfolio, but that's not an active management moving forward.","start":781.915,"end":787.855,"sentiment":"neutral","sentiment_score":-0.22021086006001991},{"text":"Now I understand that what happened previously, you're not too happy with that with that moving forward.","start":788.235,"end":793.83496,"sentiment":"negative","sentiment_score":-0.5122795245226692},{"text":"We're not gonna have any active managed funds.","start":793.83496,"end":795.675,"sentiment":"negative","sentiment_score":-0.35648246482014656}],"sentiment":"neutral","sentiment_score":-0.1849336042194753,"channel":0,"num_words":74,"start":773.13,"end":795.675},{"sentences":[{"text":"We're moving index as we approach moving forward, so you won't have that management risk.","start":795.675,"end":799.98,"sentiment":"neutral","sentiment_score":-0.05017477373282115},{"text":"You'll have a lower investment cost moving forward.","start":799.98,"end":802.48,"sentiment":"neutral","sentiment_score":0.09180720709264278},{"text":"And then the key holding weightings are in the indexes.","start":802.7,"end":806.0,"sentiment":"neutral","sentiment_score":-0.13680105581879615},{"text":"So it would have to be that the S and P 500, that market index was performing badly for your portfolio to be performing badly.","start":806.06,"end":812.45996,"sentiment":"negative","sentiment_score":-0.5749483621120453},{"text":"That's not to say that they've made any sort of bets against the market in that.","start":812.45996,"end":817.64594,"sentiment":"negative","sentiment_score":-0.3873771447688341}],"sentiment":"neutral","sentiment_score":-0.29672861995326505,"channel":0,"num_words":74,"start":795.675,"end":817.64594},{"sentences":[{"text":"That just means the market as a whole isn't performing too great for","start":817.64594,"end":821.86743,"sentiment":"negative","sentiment_score":-0.3627218008041382}],"sentiment":"negative","sentiment_score":-0.3627218008041382,"channel":0,"num_words":13,"start":817.64594,"end":821.86743},{"sentences":[{"text":"Yeah.","start":821.83496,"end":822.33496,"sentiment":"neutral","sentiment_score":-0.2052883207798004}],"sentiment":"neutral","sentiment_score":-0.2052883207798004,"channel":1,"num_words":1,"start":821.83496,"end":822.33496},{"sentences":[{"text":"those 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and","start":826.38,"end":833.34,"sentiment":"neutral","sentiment_score":-0.1779719740152359}],"sentiment":"neutral","sentiment_score":-0.17001636885106564,"channel":1,"num_words":24,"start":824.555,"end":833.34},{"sentences":[{"text":"Yep.","start":833.11,"end":833.61,"sentiment":"neutral","sentiment_score":-0.1690484583377838}],"sentiment":"neutral","sentiment_score":-0.1690484583377838,"channel":0,"num_words":1,"start":833.11,"end":833.61},{"sentences":[{"text":"didn't have those conversations with me, but can somebody even, like, can explain to me, like, like I said, I don't know.","start":833.34,"end":840.765,"sentiment":"neutral","sentiment_score":-0.18309177322821182},{"text":"Like, I I transferred from Super, like, Industry Super to you guys.","start":840.925,"end":845.025,"sentiment":"neutral","sentiment_score":-0.11616112353901069},{"text":"I've been with you, I don't know, five or six years now.","start":845.72504,"end":848.78503,"sentiment":"neutral","sentiment_score":-0.1542445638527473},{"text":"I'm","start":849.405,"end":849.645,"sentiment":"neutral","sentiment_score":-0.215587854385376}],"sentiment":"neutral","sentiment_score":-0.15932925774696025,"channel":1,"num_words":47,"start":833.34,"end":849.645},{"sentences":[{"text":"Yep.","start":849.445,"end":849.81,"sentiment":"neutral","sentiment_score":-0.2652212083339691}],"sentiment":"neutral","sentiment_score":-0.2652212083339691,"channel":0,"num_words":1,"start":849.445,"end":849.81},{"sentences":[{"text":"really not seeing much benefit except for, like, paying high fees.","start":849.645,"end":853.645,"sentiment":"negative","sentiment_score":-0.47770225730809296},{"text":"Like, I feel like there's a lot of excuses all the time.","start":853.645,"end":856.87,"sentiment":"negative","sentiment_score":-0.5331305414438248},{"text":"And I know there was a COVID and this and that, but, like, now this with like, I don't know how my supate's managed.","start":856.87,"end":865.02997,"sentiment":"neutral","sentiment_score":-0.28348638365666073},{"text":"Like, I don't know what's managed there when I don't know.","start":865.02997,"end":868.675,"sentiment":"neutral","sentiment_score":-0.3211542855609547},{"text":"Just made a huge loss.","start":868.675,"end":870.815,"sentiment":"negative","sentiment_score":-0.4748811900615692}],"sentiment":"negative","sentiment_score":-0.3867153591579861,"channel":1,"num_words":63,"start":849.645,"end":870.815},{"sentences":[{"text":"Like","start":870.875,"end":871.375,"sentiment":"neutral","sentiment_score":-0.22412735223770144}],"sentiment":"neutral","sentiment_score":-0.22412735223770144,"channel":1,"num_words":1,"start":870.875,"end":871.375},{"sentences":[{"text":"Yes.","start":872.22504,"end":872.545,"sentiment":"neutral","sentiment_score":-0.15199702978134155},{"text":"So","start":872.545,"end":873.025,"sentiment":"neutral","sentiment_score":-0.18994034826755524}],"sentiment":"neutral","sentiment_score":-0.1709686890244484,"channel":0,"num_words":2,"start":872.22504,"end":873.025},{"sentences":[{"text":"and","start":872.955,"end":873.195,"sentiment":"neutral","sentiment_score":-0.1866998076438904}],"sentiment":"neutral","sentiment_score":-0.1866998076438904,"channel":1,"num_words":1,"start":872.955,"end":873.195},{"sentences":[{"text":"so","start":873.025,"end":873.525,"sentiment":"neutral","sentiment_score":-0.24674147367477417}],"sentiment":"neutral","sentiment_score":-0.24674147367477417,"channel":0,"num_words":1,"start":873.025,"end":873.525},{"sentences":[{"text":"this fund, like, with with the with the Benelon.","start":873.195,"end":875.455,"sentiment":"neutral","sentiment_score":-0.205520146422916},{"text":"Like, it wasn't like it crashed last November or whatever and because of the the corporate traveler.","start":875.675,"end":882.29004,"sentiment":"neutral","sentiment_score":-0.3266335418995689},{"text":"It's been underperforming for for a lot longer than that.","start":882.51,"end":886.03,"sentiment":"negative","sentiment_score":-0.5568869769573211},{"text":"Like, so if that was the case, why wasn't something done about it?","start":886.03,"end":890.75,"sentiment":"negative","sentiment_score":-0.4183639379648062},{"text":"Like, why wasn't our boss say, hey.","start":890.75,"end":893.32495,"sentiment":"negative","sentiment_score":-0.3477559132235391}],"sentiment":"negative","sentiment_score":-0.3722204265317747,"channel":1,"num_words":56,"start":873.195,"end":893.32495},{"sentences":[{"text":"Would you still have to make any changes?","start":893.32495,"end":895.725,"sentiment":"neutral","sentiment_score":-0.2156656887382269},{"text":"Are you comfortable with this?","start":895.725,"end":897.245,"sentiment":"neutral","sentiment_score":-0.10607238709926606},{"text":"Or, like, I had no advice on that.","start":897.245,"end":899.745,"sentiment":"negative","sentiment_score":-0.3703038617968559},{"text":"That's what","start":900.44495,"end":900.925,"sentiment":"neutral","sentiment_score":-0.059941619634628296}],"sentiment":"neutral","sentiment_score":-0.2320870251759239,"channel":1,"num_words":23,"start":893.32495,"end":900.925},{"sentences":[{"text":"Yeah.","start":900.86005,"end":901.36005,"sentiment":"neutral","sentiment_score":0.017937269061803818}],"sentiment":"neutral","sentiment_score":0.017937269061803818,"channel":0,"num_words":1,"start":900.86005,"end":901.36005},{"sentences":[{"text":"I'm asking.","start":900.925,"end":901.64496,"sentiment":"neutral","sentiment_score":-0.011237435042858124},{"text":"I don't know if that's how it works with with you guys, but, yeah, I would have thought somebody would have maybe mentioned something","start":901.64496,"end":907.185,"sentiment":"neutral","sentiment_score":-0.016377219775070746}],"sentiment":"neutral","sentiment_score":-0.0159818517187467,"channel":1,"num_words":26,"start":900.925,"end":907.185},{"sentences":[{"text":"So","start":907.66003,"end":907.98004,"sentiment":"neutral","sentiment_score":0.008678950369358063}],"sentiment":"neutral","sentiment_score":0.008678950369358063,"channel":0,"num_words":1,"start":907.66003,"end":907.98004},{"sentences":[{"text":"because","start":907.68,"end":908.18,"sentiment":"neutral","sentiment_score":-0.009281951934099196}],"sentiment":"neutral","sentiment_score":-0.009281951934099196,"channel":1,"num_words":1,"start":907.68,"end":908.18},{"sentences":[{"text":"as a and a minimum, generally, there's on it's like, during those annual reviews,","start":907.98004,"end":912.485,"sentiment":"neutral","sentiment_score":0.07712481809513909}],"sentiment":"neutral","sentiment_score":0.07712481809513909,"channel":0,"num_words":14,"start":907.98004,"end":912.485},{"sentences":[{"text":"it's","start":912.39996,"end":912.89996,"sentiment":"neutral","sentiment_score":0.13745540380477905}],"sentiment":"neutral","sentiment_score":0.13745540380477905,"channel":1,"num_words":1,"start":912.39996,"end":912.89996},{"sentences":[{"text":"they go over the performance in your portfolio.","start":912.485,"end":914.725,"sentiment":"neutral","sentiment_score":0.10231856862083077},{"text":"I do apologize if that's not what you've received previously or the people that you have spoken to previously haven't given you the insights on what was actually happening with those investments.","start":914.725,"end":924.665,"sentiment":"neutral","sentiment_score":-0.28497569635510445},{"text":"Obviously, you know, I've come to the domain.","start":924.725,"end":927.17,"sentiment":"neutral","sentiment_score":-0.06215895013883709},{"text":"I've I've pointed out, you know, things previously that you may have not been told.","start":927.17,"end":932.77,"sentiment":"neutral","sentiment_score":-0.1171839085717996},{"text":"So I do apologize for for","start":932.77,"end":934.85,"sentiment":"neutral","sentiment_score":-0.1481969120601813}],"sentiment":"neutral","sentiment_score":-0.16586790487602138,"channel":0,"num_words":69,"start":912.485,"end":934.85},{"sentences":[{"text":"Yes.","start":934.715,"end":935.01,"sentiment":"neutral","sentiment_score":-0.14794349670410156}],"sentiment":"neutral","sentiment_score":-0.14794349670410156,"channel":1,"num_words":1,"start":934.715,"end":935.01},{"sentences":[{"text":"being fair of bad news.","start":934.85,"end":936.37,"sentiment":"neutral","sentiment_score":-0.31044472455978395},{"text":"But, obviously, moving forward, I'm trying to put you in a position to, obviously, to to grow there and give you, like, the full spread of what's actually happening within your superannuation,","start":936.37,"end":945.70496,"sentiment":"positive","sentiment_score":0.4152568986173719}],"sentiment":"neutral","sentiment_score":0.31718911170154007,"channel":0,"num_words":37,"start":934.85,"end":945.70496},{"sentences":[{"text":"Yes.","start":946.77,"end":947.27,"sentiment":"neutral","sentiment_score":0.22258618474006653}],"sentiment":"neutral","sentiment_score":0.22258618474006653,"channel":1,"num_words":1,"start":946.77,"end":947.27},{"sentences":[{"text":"which every 12 months, they're meant to be going over the portfolio itself, giving you a bit of a rundown of what's happening.","start":946.96497,"end":952.665,"sentiment":"neutral","sentiment_score":0.2319393067256264},{"text":"Obviously, as I said, it's been a long that has been slightly under performing, but not to a point where, you know, you might give up on it.","start":952.725,"end":958.55005,"sentiment":"negative","sentiment_score":-0.35764410878930775},{"text":"Obviously, they're long term convictions generally.","start":958.55005,"end":961.13,"sentiment":"neutral","sentiment_score":-0.33036312460899353},{"text":"It's only until that corporate traveler that they've decided that they don't have conviction in that moving forward for this, obviously, investing in those high growth portfolios, that eight to ten year time frames.","start":961.43005,"end":972.32495,"sentiment":"neutral","sentiment_score":-0.23717926530277028},{"text":"Like you said, with things like COVID and that, there were those sort of mixed years.","start":972.32495,"end":975.70496,"sentiment":"neutral","sentiment_score":-0.2387485560029745}],"sentiment":"neutral","sentiment_score":-0.1733241276206257,"channel":0,"num_words":107,"start":946.96497,"end":975.70496},{"sentences":[{"text":"Yeah.","start":976.105,"end":976.605,"sentiment":"neutral","sentiment_score":-0.06348364055156708}],"sentiment":"neutral","sentiment_score":-0.06348364055156708,"channel":1,"num_words":1,"start":976.105,"end":976.605},{"sentences":[{"text":"And then with the portfolio construction previously, as I said, it comes down to the discussion you did have with your adviser when going into those funds.","start":977.125,"end":985.82,"sentiment":"neutral","sentiment_score":-0.06434583594953572},{"text":"So I can't I'm not gonna just make something up to try and justify it.","start":985.82,"end":990.0,"sentiment":"neutral","sentiment_score":-0.25219031274318693},{"text":"But just generally in terms of, like, going that if you want those high risk, high returns, you know, trying to bet a bit more to try and outperform that market, that is the risk you take.","start":990.38,"end":1000.775,"sentiment":"neutral","sentiment_score":-0.08541518857551587},{"text":"Whereas moving forward from what you've, like, told me and what you wanna achieve and the level of risk that you do wanna hold, we're looking at removing that active portion and then just having a higher allocation still to those growth 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sorry.","start":1015.455,"end":1015.85504,"sentiment":"neutral","sentiment_score":-0.1904323399066925},{"text":"I don't understand a lot of these terms.","start":1015.85504,"end":1018.08,"sentiment":"neutral","sentiment_score":-0.252775352448225},{"text":"That's one thing not a","start":1018.08,"end":1020.32,"sentiment":"neutral","sentiment_score":-0.038919633626937865}],"sentiment":"neutral","sentiment_score":-0.16923706512898207,"channel":1,"num_words":16,"start":1014.97504,"end":1020.32},{"sentences":[{"text":"so","start":1020.22003,"end":1020.38,"sentiment":"neutral","sentiment_score":-0.12759529054164886}],"sentiment":"neutral","sentiment_score":-0.12759529054164886,"channel":0,"num_words":1,"start":1020.22003,"end":1020.38},{"sentences":[{"text":"problem.","start":1020.32,"end":1020.82,"sentiment":"neutral","sentiment_score":-0.09142306447029114}],"sentiment":"neutral","sentiment_score":-0.09142306447029114,"channel":1,"num_words":1,"start":1020.32,"end":1020.82},{"sentences":[{"text":"the yes.","start":1020.38,"end":1021.74,"sentiment":"neutral","sentiment_score":0.015842434018850327},{"text":"Sorry.","start":1021.74,"end":1022.14,"sentiment":"neutral","sentiment_score":-0.00671754777431488},{"text":"The the active portion, like, the active managed funds like that, Benelon, you have a fund manager trying to outperform the market.","start":1022.14,"end":1028.665,"sentiment":"neutral","sentiment_score":0.08793299780650572},{"text":"Whereas index is just like if you have the S and P 500, it's the top 500 companies in America.","start":1029.125,"end":1036.025,"sentiment":"neutral","sentiment_score":0.07735327910631895},{"text":"Now if a company gets bigger, it can go up into the 500 and make its way in, which means it's part","start":1036.485,"end":1042.295,"sentiment":"neutral","sentiment_score":0.13480464639988812}],"sentiment":"neutral","sentiment_score":0.09660091156612581,"channel":0,"num_words":67,"start":1020.38,"end":1042.295},{"sentences":[{"text":"Yes.","start":1042.075,"end":1042.575,"sentiment":"neutral","sentiment_score":0.07517208158969879}],"sentiment":"neutral","sentiment_score":0.07517208158969879,"channel":1,"num_words":1,"start":1042.075,"end":1042.575},{"sentences":[{"text":"of the investments that you hold.","start":1042.295,"end":1043.8164,"sentiment":"neutral","sentiment_score":0.005254299379885197},{"text":"If it does poorly, it falls out of that top 500, which means you don't have that investment as well.","start":1043.8164,"end":1049.1415,"sentiment":"neutral","sentiment_score":-0.21101196855306625},{"text":"Now it's it's still, like, kinda fluid in that sense that it is adjusting to the companies that make it in and out of that 500, where a fund manager will depending on how they view sort of success and growth, whether it be valued or profit driven, they will be just select picking certain funds and certain companies, not just dependent on size or market value to","start":1049.1415,"end":1071.85,"sentiment":"neutral","sentiment_score":0.08691734957563527}],"sentiment":"neutral","sentiment_score":0.01831559783362962,"channel":0,"num_words":94,"start":1042.295,"end":1071.85},{"sentences":[{"text":"Yep.","start":1071.81,"end":1072.31,"sentiment":"neutral","sentiment_score":0.16066819429397583}],"sentiment":"neutral","sentiment_score":0.16066819429397583,"channel":1,"num_words":1,"start":1071.81,"end":1072.31},{"sentences":[{"text":"see if they can outperform that, get those higher returns.","start":1071.85,"end":1075.3099,"sentiment":"positive","sentiment_score":0.36047370731830597},{"text":"Basically, you're essentially trying to pick the winners and losers out","start":1075.7699,"end":1080.73,"sentiment":"neutral","sentiment_score":0.15200686657970602}],"sentiment":"neutral","sentiment_score":0.2512767907409441,"channel":0,"num_words":21,"start":1071.85,"end":1080.73},{"sentences":[{"text":"Yep.","start":1080.53,"end":1081.03,"sentiment":"neutral","sentiment_score":0.048359595239162445}],"sentiment":"neutral","sentiment_score":0.048359595239162445,"channel":1,"num_words":1,"start":1080.53,"end":1081.03},{"sentences":[{"text":"of a bunch, and that's what your fund that you were in was trying to obviously pick the winners and losers and try and make a higher return.","start":1080.73,"end":1088.785,"sentiment":"neutral","sentiment_score":0.104476981397186},{"text":"Now since COVID, they haven't been doing fantastic, and they had that corporate traveler which caused them to really go downhill.","start":1089.245,"end":1096.2251,"sentiment":"negative","sentiment_score":-0.3724572527266684},{"text":"But that is that management risk that I was talking about, and that's active management within that with that managed fund trying to outperform that market.","start":1097.165,"end":1100.545,"sentiment":"neutral","sentiment_score":-0.16628943333545557},{"text":"A","start":1109.5276,"end":1110.0276,"sentiment":"neutral","sentiment_score":-0.06380831450223923}],"sentiment":"neutral","sentiment_score":-0.12215237380740673,"channel":0,"num_words":76,"start":1080.73,"end":1110.0276},{"sentences":[{"text":"I see.","start":1114.825,"end":1115.565,"sentiment":"neutral","sentiment_score":-0.047222837805747986}],"sentiment":"neutral","sentiment_score":-0.047222837805747986,"channel":1,"num_words":2,"start":1114.825,"end":1115.565},{"sentences":[{"text":"it's a bit less of a a gamble as they like they say, because you're not sort of trying to outperform it.","start":1117.755,"end":1123.1951,"sentiment":"neutral","sentiment_score":-0.13167243417013774},{"text":"You're just trying to follow what the markets are doing.","start":1123.1951,"end":1125.435,"sentiment":"neutral","sentiment_score":0.1266543712466955},{"text":"And with index investing, it comes at a lower cost and that the markets are doing good, your investments are doing good.","start":1125.435,"end":1130.635,"sentiment":"positive","sentiment_score":0.3875918130983006},{"text":"If the markets are stalling just a little bit, it may not see as much growth because you're not trying to outperform it.","start":1130.635,"end":1136.63,"sentiment":"negative","sentiment_score":-0.43754280714885047},{"text":"You're not picking the few winners in those downturn sort of times as the market as a whole.","start":1136.63,"end":1140.7301,"sentiment":"negative","sentiment_score":-0.4137326975663503}],"sentiment":"neutral","sentiment_score":-0.11172529549190872,"channel":0,"num_words":95,"start":1117.755,"end":1140.7301},{"sentences":[{"text":"Yes.","start":1141.26,"end":1141.605,"sentiment":"neutral","sentiment_score":0.10437095165252686}],"sentiment":"neutral","sentiment_score":0.10437095165252686,"channel":1,"num_words":1,"start":1141.26,"end":1141.605},{"sentences":[{"text":"But it does see a little bit less volatility like what occurred previously with your fund there, if that makes sense.","start":1141.3501,"end":1149.015,"sentiment":"neutral","sentiment_score":-0.0660307893440837}],"sentiment":"neutral","sentiment_score":-0.0660307893440837,"channel":0,"num_words":21,"start":1141.3501,"end":1149.015},{"sentences":[{"text":"I think so.","start":1150.325,"end":1151.365,"sentiment":"neutral","sentiment_score":0.016925594458977383},{"text":"Can I just ask you, sir, with this 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means?","start":1167.64,"end":1170.62,"sentiment":"neutral","sentiment_score":-0.08564849942922592},{"text":"Like, I'll be accepting that.","start":1170.925,"end":1172.285,"sentiment":"neutral","sentiment_score":-0.019026979338377714},{"text":"Yeah.","start":1172.285,"end":1172.785,"sentiment":"neutral","sentiment_score":0.05406486988067627}],"sentiment":"neutral","sentiment_score":-0.04237341903069097,"channel":1,"num_words":23,"start":1162.9199,"end":1172.785},{"sentences":[{"text":"Yep.","start":1173.46,"end":1173.86,"sentiment":"neutral","sentiment_score":0.06924934685230255},{"text":"So that would be accepting loss.","start":1173.86,"end":1175.78,"sentiment":"neutral","sentiment_score":-0.04766542464494705},{"text":"So with that update there as well, we would be looking at removing a few investments there and adding a few investments and removing that Benelung there.","start":1175.78,"end":1185.5651,"sentiment":"neutral","sentiment_score":-0.07176749946342574},{"text":"So the other option, like I stated previously, is to leave it and see how they rebound, but the company as a whole is saying to move away from Bennelong just given the circumstances and given the economic outlooks of the the fund.","start":1185.7051,"end":1199.12,"sentiment":"neutral","sentiment_score":-0.20007495512796003},{"text":"Now","start":1199.42,"end":1199.9,"sentiment":"neutral","sentiment_score":-0.12752099335193634}],"sentiment":"neutral","sentiment_score":-0.1395539711587704,"channel":0,"num_words":78,"start":1173.46,"end":1199.9},{"sentences":[{"text":"Is 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away","start":1201.555,"end":1202.515,"sentiment":"neutral","sentiment_score":-0.23459560672442117}],"sentiment":"neutral","sentiment_score":-0.15327773429453373,"channel":1,"num_words":8,"start":1200.0901,"end":1202.515},{"sentences":[{"text":"yep.","start":1202.2201,"end":1202.7201,"sentiment":"neutral","sentiment_score":-0.19830922782421112}],"sentiment":"neutral","sentiment_score":-0.19830922782421112,"channel":0,"num_words":1,"start":1202.2201,"end":1202.7201},{"sentences":[{"text":"from there?","start":1202.515,"end":1203.255,"sentiment":"neutral","sentiment_score":-0.1397290974855423},{"text":"Okay.","start":1203.3151,"end":1203.8151,"sentiment":"neutral","sentiment_score":-0.10684359818696976}],"sentiment":"neutral","sentiment_score":-0.12876726438601813,"channel":1,"num_words":3,"start":1202.515,"end":1203.8151},{"sentences":[{"text":"The the investment committee has made a decision that they will be moving away from that fund as it sees fit, like, in terms of clients coming 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summarized?","start":1233.8049,"end":1239.345,"sentiment":"neutral","sentiment_score":-0.12645726899305978},{"text":"Or is that not not something that's","start":1239.965,"end":1242.6849,"sentiment":"neutral","sentiment_score":-0.20569945020335062}],"sentiment":"neutral","sentiment_score":-0.16427236340112156,"channel":1,"num_words":36,"start":1228.7899,"end":1242.6849},{"sentences":[{"text":"I'll","start":1242.405,"end":1242.905,"sentiment":"neutral","sentiment_score":-0.3287550210952759}],"sentiment":"neutral","sentiment_score":-0.3287550210952759,"channel":0,"num_words":1,"start":1242.405,"end":1242.905},{"sentences":[{"text":"not clear?","start":1242.6849,"end":1243.505,"sentiment":"neutral","sentiment_score":-0.1930609494447708}],"sentiment":"neutral","sentiment_score":-0.1930609494447708,"channel":1,"num_words":2,"start":1242.6849,"end":1243.505},{"sentences":[{"text":"I'll generate a port from inception and see what it's down since 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is","start":1265.6749,"end":1266.335,"sentiment":"neutral","sentiment_score":-0.26611240208148956}],"sentiment":"neutral","sentiment_score":-0.26611240208148956,"channel":1,"num_words":2,"start":1265.6749,"end":1266.335},{"sentences":[{"text":"I can","start":1265.9149,"end":1266.575,"sentiment":"negative","sentiment_score":-0.3683031350374222}],"sentiment":"negative","sentiment_score":-0.3683031350374222,"channel":0,"num_words":2,"start":1265.9149,"end":1266.575},{"sentences":[{"text":"a lot of things that you're talking about.","start":1266.3949,"end":1268.235,"sentiment":"neutral","sentiment_score":-0.3080595750361681},{"text":"I I I'm very, yeah, sort of, uneducated about, like, some terms I don't understand and stuff.","start":1268.235,"end":1276.86,"sentiment":"negative","sentiment_score":-0.418920075192171},{"text":"So that's why I'm asking a lot of questions.","start":1276.86,"end":1278.46,"sentiment":"neutral","sentiment_score":-0.2812192506260342},{"text":"I apologize.","start":1278.46,"end":1279.12,"sentiment":"neutral","sentiment_score":-0.17507310211658478},{"text":"Yeah.","start":1279.58,"end":1280.08,"sentiment":"neutral","sentiment_score":-0.08574812114238739}],"sentiment":"negative","sentiment_score":-0.33926987728557073,"channel":1,"num_words":37,"start":1266.3949,"end":1280.08},{"sentences":[{"text":"no.","start":1280.09,"end":1280.41,"sentiment":"neutral","sentiment_score":-0.15748868882656095},{"text":"It's not a problem at all, Zoran.","start":1280.41,"end":1281.69,"sentiment":"neutral","sentiment_score":-0.08962256887129375},{"text":"Like, that's that's our job at the end of the day.","start":1281.69,"end":1283.45,"sentiment":"neutral","sentiment_score":-0.18161184272982858},{"text":"I I feel bad.","start":1283.45,"end":1284.635,"sentiment":"negative","sentiment_score":-0.4961633160710335},{"text":"It's sort of that I'm the one throwing all the information at you when it's sort of been, like, a bit of a slower drip feed for you, and then you've","start":1284.635,"end":1290.875,"sentiment":"negative","sentiment_score":-0.36987012913150175}],"sentiment":"neutral","sentiment_score":-0.30061489274656333,"channel":0,"num_words":54,"start":1280.09,"end":1290.875},{"sentences":[{"text":"Yes.","start":1290.6951,"end":1291.1951,"sentiment":"neutral","sentiment_score":-0.08018279820680618}],"sentiment":"neutral","sentiment_score":-0.08018279820680618,"channel":1,"num_words":1,"start":1290.6951,"end":1291.1951},{"sentences":[{"text":"probably been across it a little bit more.","start":1290.875,"end":1292.875,"sentiment":"neutral","sentiment_score":-0.16226156894117594},{"text":"So I do apologize for that.","start":1292.875,"end":1294.495,"sentiment":"neutral","sentiment_score":-0.2100765531261762},{"text":"Now in terms of since inception, bear with me here.","start":1295.9149,"end":1302.08,"sentiment":"neutral","sentiment_score":-0.03803986851125955},{"text":"So the reason you had such a high allocation too is I can see here that there was previously two separated funds.","start":1302.08,"end":1310.16,"sentiment":"neutral","sentiment_score":-0.08122487027536739},{"text":"So you had the Benelon Australian equities fund and a concentrated equities fund.","start":1310.16,"end":1314.34,"sentiment":"neutral","sentiment_score":-0.09214927428043805}],"sentiment":"neutral","sentiment_score":-0.10040403842547183,"channel":0,"num_words":59,"start":1290.875,"end":1314.34},{"sentences":[{"text":"And then with that, it seems at some point, either one fund's closed or it's consolidated, and it's just become the one investment there.","start":1314.615,"end":1323.835,"sentiment":"neutral","sentiment_score":-0.13644188021620116},{"text":"Now with that as a whole, in terms of the negative returns since inception, so Benelon Australian Equities was sitting at a negative 6.77 since inception.","start":1324.535,"end":1336.7593,"sentiment":"neutral","sentiment_score":-0.3232463300228119},{"text":"So it's looking at around a seven looking at.","start":1336.7593,"end":1349.125,"sentiment":"neutral","sentiment_score":-0.17091059850321877}],"sentiment":"neutral","sentiment_score":-0.22402042529340518,"channel":0,"num_words":59,"start":1314.615,"end":1349.125},{"sentences":[{"text":"Okay.","start":1350.695,"end":1351.195,"sentiment":"neutral","sentiment_score":-0.05071692168712616},{"text":"But it feels like when I look at my year today, like you say, if I look from today's date back twelve months, it feels like my my balance is exactly the same to what I had twelve months ago.","start":1351.335,"end":1365.31,"sentiment":"neutral","sentiment_score":-0.09939931286498904},{"text":"But then I put in, like, say, $25,000 at least.","start":1365.31,"end":1368.93,"sentiment":"neutral","sentiment_score":-0.2259911358356476},{"text":"And also that means there was no gains or anything.","start":1369.15,"end":1374.065,"sentiment":"neutral","sentiment_score":-0.29312883913516996},{"text":"So it's a lot more than $7,000, it seems.","start":1374.065,"end":1377.285,"sentiment":"neutral","sentiment_score":-0.18675859603616926}],"sentiment":"neutral","sentiment_score":-0.15569595071886266,"channel":1,"num_words":70,"start":1350.695,"end":1377.285},{"sentences":[{"text":"Yeah.","start":1377.695,"end":1378.1749,"sentiment":"neutral","sentiment_score":-0.0233636274933815},{"text":"Seems in that since inception, the report there, so that may differ slightly.","start":1378.1749,"end":1382.46,"sentiment":"neutral","sentiment_score":-0.07588851308593383},{"text":"So in terms of, like, the dollar figure, it went up and down in the thing.","start":1382.46,"end":1385.5,"sentiment":"neutral","sentiment_score":-0.07930818549357355},{"text":"It's close to, like, a $25,000, like, movement, which is what","start":1385.5,"end":1390.86,"sentiment":"neutral","sentiment_score":0.059883219274607574}],"sentiment":"neutral","sentiment_score":-0.03951536228017109,"channel":0,"num_words":41,"start":1377.695,"end":1390.86},{"sentences":[{"text":"Yes.","start":1390.6799,"end":1391.1799,"sentiment":"neutral","sentiment_score":0.057265929877758026}],"sentiment":"neutral","sentiment_score":0.057265929877758026,"channel":1,"num_words":1,"start":1390.6799,"end":1391.1799},{"sentences":[{"text":"you're you're seeing there.","start":1390.86,"end":1392.315,"sentiment":"neutral","sentiment_score":0.030276759527623653},{"text":"Now with that, obviously, some of that comes like you had some, like, growth in there, and then it's gone backwards as well.","start":1392.715,"end":1398.955,"sentiment":"neutral","sentiment_score":-0.15182960033416748},{"text":"So that looks like you've lost a lot more in terms of, like, the up and the down.","start":1398.955,"end":1403.215,"sentiment":"negative","sentiment_score":-0.37748077594571644},{"text":"And like you said, with the the amount of money you put in, that's also going towards, like, those things like fees and as well in terms of that.","start":1403.5149,"end":1410.55,"sentiment":"neutral","sentiment_score":-0.2333636124586237},{"text":"So, yeah, it did make quite a poor return in terms of that going down.","start":1410.55,"end":1414.87,"sentiment":"negative","sentiment_score":-0.6269225656986237}],"sentiment":"neutral","sentiment_score":-0.2959214717233449,"channel":0,"num_words":89,"start":1390.86,"end":1414.87},{"sentences":[{"text":"Now that's not the loss over the past twelve months that you have to understand as well since inception.","start":1414.87,"end":1420.975,"sentiment":"neutral","sentiment_score":-0.28996328931105764},{"text":"So in terms","start":1421.115,"end":1421.8351,"sentiment":"neutral","sentiment_score":-0.04789294054110845}],"sentiment":"neutral","sentiment_score":-0.2569536962969737,"channel":0,"num_words":22,"start":1414.87,"end":1421.8351},{"sentences":[{"text":"Yeah.","start":1421.8099,"end":1422.3099,"sentiment":"neutral","sentiment_score":-0.06991103291511536}],"sentiment":"neutral","sentiment_score":-0.06991103291511536,"channel":1,"num_words":1,"start":1421.8099,"end":1422.3099},{"sentences":[{"text":"of loss in the last twelve months, it's probably closer to 25,000 in terms of, like, the the down, which is why","start":1421.8351,"end":1429.595,"sentiment":"neutral","sentiment_score":-0.13448923453688622}],"sentiment":"neutral","sentiment_score":-0.13448923453688622,"channel":0,"num_words":22,"start":1421.8351,"end":1429.595},{"sentences":[{"text":"Yep.","start":1429.515,"end":1430.015,"sentiment":"neutral","sentiment_score":-0.14188162982463837}],"sentiment":"neutral","sentiment_score":-0.14188162982463837,"channel":1,"num_words":1,"start":1429.515,"end":1430.015},{"sentences":[{"text":"it's gone backwards so far.","start":1429.595,"end":1431.035,"sentiment":"neutral","sentiment_score":-0.26150788068771363},{"text":"But in terms of, like, the growth out of Benelon that it's had since you've held it and then the backwards step, that's closer to, like, net $77,000, if that makes sense.","start":1431.035,"end":1441.37,"sentiment":"neutral","sentiment_score":0.0554612900596112},{"text":"Like, you're","start":1441.37,"end":1441.77,"sentiment":"neutral","sentiment_score":0.052376413717865944}],"sentiment":"neutral","sentiment_score":0.014666018100121083,"channel":0,"num_words":39,"start":1429.595,"end":1441.77},{"sentences":[{"text":"Yes.","start":1441.755,"end":1442.075,"sentiment":"neutral","sentiment_score":0.05094160884618759}],"sentiment":"neutral","sentiment_score":0.05094160884618759,"channel":1,"num_words":1,"start":1441.755,"end":1442.075},{"sentences":[{"text":"looking across","start":1441.77,"end":1442.3301,"sentiment":"neutral","sentiment_score":0.045644233003258705}],"sentiment":"neutral","sentiment_score":0.045644233003258705,"channel":0,"num_words":2,"start":1441.77,"end":1442.3301},{"sentences":[{"text":"Yes.","start":1442.075,"end":1442.575,"sentiment":"neutral","sentiment_score":0.041380029171705246}],"sentiment":"neutral","sentiment_score":0.041380029171705246,"channel":1,"num_words":1,"start":1442.075,"end":1442.575},{"sentences":[{"text":"the time since you've been onboard versus the last twelve months.","start":1442.3301,"end":1445.715,"sentiment":"neutral","sentiment_score":0.028318455442786217},{"text":"And Dollar Figure in the last twelve months, probably looking at close to, like, a 25 backwards return in in terms of, like, that's why it looks so, like,","start":1445.7949,"end":1454.9349,"sentiment":"neutral","sentiment_score":0.00322260164880547}],"sentiment":"neutral","sentiment_score":0.010123961442150175,"channel":0,"num_words":40,"start":1442.3301,"end":1454.9349},{"sentences":[{"text":"And","start":1454.86,"end":1455.34,"sentiment":"neutral","sentiment_score":-0.08353696763515472}],"sentiment":"neutral","sentiment_score":-0.08353696763515472,"channel":1,"num_words":1,"start":1454.86,"end":1455.34},{"sentences":[{"text":"bad.","start":1454.995,"end":1455.495,"sentiment":"neutral","sentiment_score":-0.16275030374526978}],"sentiment":"neutral","sentiment_score":-0.16275030374526978,"channel":0,"num_words":1,"start":1454.995,"end":1455.495},{"sentences":[{"text":"is that all because of Enelone?","start":1455.34,"end":1457.12,"sentiment":"neutral","sentiment_score":-0.1194754143555959}],"sentiment":"neutral","sentiment_score":-0.1194754143555959,"channel":1,"num_words":6,"start":1455.34,"end":1457.12},{"sentences":[{"text":"All because of Dan along all the the other investments.","start":1458.275,"end":1461.015,"sentiment":"neutral","sentiment_score":-0.0005651455372571945},{"text":"Like, Hack has gone backwards a little bit and turns to, like, it's still up from where it was.","start":1462.14,"end":1468.14,"sentiment":"neutral","sentiment_score":-0.06491436221097645},{"text":"Like, it's a bit of a market correction, which has caused it to go backwards a little bit, but that's not to be concerned.","start":1468.14,"end":1473.6001,"sentiment":"neutral","sentiment_score":-0.09247618059938152},{"text":"Like, they're looking at keeping hack.","start":1473.8201,"end":1476.405,"sentiment":"neutral","sentiment_score":0.19174798826376596},{"text":"They have high conviction in hack, and it will be in your portfolio moving forward, so you wouldn't be crystallizing that loss.","start":1476.405,"end":1481.9451,"sentiment":"neutral","sentiment_score":0.2766287282786586}],"sentiment":"neutral","sentiment_score":0.04664033678946672,"channel":0,"num_words":81,"start":1458.275,"end":1481.9451},{"sentences":[{"text":"Okay.","start":1482.645,"end":1483.125,"sentiment":"neutral","sentiment_score":0.12556153535842896},{"text":"It's purely the Benelong that you're looking at crystallizing that loss","start":1483.125,"end":1488.15,"sentiment":"neutral","sentiment_score":0.1518134887922894}],"sentiment":"neutral","sentiment_score":0.14962582600613436,"channel":0,"num_words":12,"start":1482.645,"end":1488.15},{"sentences":[{"text":"Okay.","start":1490.915,"end":1491.3151,"sentiment":"neutral","sentiment_score":0.14248566329479218},{"text":"So it'll be around $25,000 in my understanding.","start":1491.3151,"end":1494.935,"sentiment":"neutral","sentiment_score":0.13421250879764557},{"text":"Alright?","start":1495.0751,"end":1495.5751,"sentiment":"neutral","sentiment_score":0.057213716208934784},{"text":"If we change things, like, if we move away from Benelon.","start":1497.26,"end":1500.24,"sentiment":"neutral","sentiment_score":-0.18810285221446643}],"sentiment":"neutral","sentiment_score":-0.03789199640353521,"channel":1,"num_words":21,"start":1490.915,"end":1500.24},{"sentences":[{"text":"in?","start":1501.51,"end":1501.8301,"sentiment":"neutral","sentiment_score":-0.07354511320590973},{"text":"As, like, from, like, the the return you did lose, but in terms of, like, the money you've put into it and then the return it's gotten, it's, like, closer to, like, a $7,500 loss from the investment, but that's over the course of you being on board.","start":1501.8301,"end":1515.075,"sentiment":"neutral","sentiment_score":-0.17663143893393377},{"text":"But, yeah, in terms of, like, the backwards step that occurred recently, it's like a $2,025,000 dollar, like,","start":1515.075,"end":1522.4,"sentiment":"neutral","sentiment_score":-0.1179205866323577}],"sentiment":"neutral","sentiment_score":-0.15931977225995775,"channel":0,"num_words":67,"start":1501.51,"end":1522.4},{"sentences":[{"text":"Mhmm.","start":1523.115,"end":1523.615,"sentiment":"neutral","sentiment_score":-0.054026491940021515},{"text":"So as a","start":1523.94,"end":1524.74,"sentiment":"neutral","sentiment_score":-0.07270669067899387}],"sentiment":"neutral","sentiment_score":-0.06803664099425077,"channel":1,"num_words":4,"start":1523.115,"end":1524.74},{"sentences":[{"text":"change.","start":1524.7001,"end":1525.2001,"sentiment":"neutral","sentiment_score":-0.05362705886363983}],"sentiment":"neutral","sentiment_score":-0.05362705886363983,"channel":0,"num_words":1,"start":1524.7001,"end":1525.2001},{"sentences":[{"text":"like, if you were to give me advice, would you suggest that we maybe hang on to a bit longer to see if it's gonna rebound a bit more and recover something?","start":1524.82,"end":1533.5599,"sentiment":"neutral","sentiment_score":-0.09825380600523204},{"text":"Or do you think it's time just to move away from it?","start":1534.1,"end":1537.725,"sentiment":"neutral","sentiment_score":-0.2591359143455823},{"text":"Like, I know you don't know crystal ball, but you know a lot more than I would with with what's happening with the market and stuff and and","start":1537.725,"end":1545.905,"sentiment":"neutral","sentiment_score":-0.1808187501238925}],"sentiment":"neutral","sentiment_score":-0.15717608010810283,"channel":1,"num_words":72,"start":1524.82,"end":1545.905},{"sentences":[{"text":"Yeah.","start":1546.8899,"end":1547.21,"sentiment":"neutral","sentiment_score":-0.021615754812955856}],"sentiment":"neutral","sentiment_score":-0.021615754812955856,"channel":0,"num_words":1,"start":1546.8899,"end":1547.21},{"sentences":[{"text":"where","start":1546.925,"end":1547.245,"sentiment":"neutral","sentiment_score":-0.03737369179725647}],"sentiment":"neutral","sentiment_score":-0.03737369179725647,"channel":1,"num_words":1,"start":1546.925,"end":1547.245},{"sentences":[{"text":"And","start":1547.21,"end":1547.45,"sentiment":"neutral","sentiment_score":-0.023838598281145096}],"sentiment":"neutral","sentiment_score":-0.023838598281145096,"channel":0,"num_words":1,"start":1547.21,"end":1547.45},{"sentences":[{"text":"where","start":1547.245,"end":1547.645,"sentiment":"neutral","sentiment_score":-0.02786337584257126}],"sentiment":"neutral","sentiment_score":-0.02786337584257126,"channel":1,"num_words":1,"start":1547.245,"end":1547.645},{"sentences":[{"text":"that's","start":1547.45,"end":1547.95,"sentiment":"neutral","sentiment_score":-0.028401341289281845}],"sentiment":"neutral","sentiment_score":-0.028401341289281845,"channel":0,"num_words":1,"start":1547.45,"end":1547.95},{"sentences":[{"text":"yeah.","start":1548.045,"end":1548.545,"sentiment":"neutral","sentiment_score":0.00913684070110321}],"sentiment":"neutral","sentiment_score":0.00913684070110321,"channel":1,"num_words":1,"start":1548.045,"end":1548.545},{"sentences":[{"text":"part of what I'd originally suggest is, like, you can wait that three to six months and see how it tracks and how it returns.","start":1548.1699,"end":1555.115,"sentiment":"neutral","sentiment_score":0.08818398356437683},{"text":"We can keep a bit more of an eye and do sort of three month follow ups to see if you recoup some of that losses before making the change.","start":1555.115,"end":1560.975,"sentiment":"neutral","sentiment_score":0.10439269393682479}],"sentiment":"neutral","sentiment_score":0.09702509831298481,"channel":0,"num_words":55,"start":1548.1699,"end":1560.975},{"sentences":[{"text":"Mhmm.","start":1561.43,"end":1561.93,"sentiment":"neutral","sentiment_score":-0.016731806099414825}],"sentiment":"neutral","sentiment_score":-0.016731806099414825,"channel":1,"num_words":1,"start":1561.43,"end":1561.93},{"sentences":[{"text":"But at the end of the day, I know sort of when we had the conversations, you just wanted, you know, you I'm sorry.","start":1562.875,"end":1568.6699,"sentiment":"neutral","sentiment_score":-0.14966053950289884},{"text":"So you're a little bit more worked out than you are now, and you wanted to just look at getting rid of it and doing something about it now, which is why I put something together that does exclude that.","start":1568.6699,"end":1576.6699,"sentiment":"neutral","sentiment_score":-0.3300237987190485},{"text":"But if you decide that you wanna postpone this and hold off a few months there as well, and even if you did sign it and say hold implementation for three to six months until I say yes, that's an option there for you is to there's our yeah.","start":1576.6699,"end":1590.785,"sentiment":"neutral","sentiment_score":-0.051108090549099205},{"text":"We never wanna say, like, sell low, buy high.","start":1590.785,"end":1593.2051,"sentiment":"neutral","sentiment_score":-0.2293400698237949},{"text":"But in your case, it's a little bit more extreme than others because, one, it's the funds that was affected not in the sense of the market itself, but an underlying investment.","start":1593.905,"end":1602.76,"sentiment":"neutral","sentiment_score":-0.3065778461750597}],"sentiment":"neutral","sentiment_score":-0.20241333142697038,"channel":0,"num_words":154,"start":1562.875,"end":1602.76},{"sentences":[{"text":"And then, two, it's quite a significant portion for you.","start":1602.76,"end":1606.22,"sentiment":"neutral","sentiment_score":-0.23842076808214188}],"sentiment":"neutral","sentiment_score":-0.23842076808214188,"channel":0,"num_words":10,"start":1602.76,"end":1606.22},{"sentences":[{"text":"But would that be smart strategy if I say, yeah, let's just move away from them and, like, crystallize the loss and stuff?","start":1607.14,"end":1613.0599,"sentiment":"negative","sentiment_score":-0.3375907906371614},{"text":"Like, that that's a lot of money.","start":1613.0599,"end":1614.5,"sentiment":"negative","sentiment_score":-0.5545995959213802},{"text":"So or or would there better be would you suggest a better strategy maybe to wait a few months and see how they go?","start":1614.5,"end":1622.4451,"sentiment":"neutral","sentiment_score":-0.13070058341448507},{"text":"Or, like, what's smarter sort of strategy as an investor?","start":1622.4451,"end":1625.985,"sentiment":"neutral","sentiment_score":-0.011434560362249612}],"sentiment":"neutral","sentiment_score":-0.23278039002616424,"channel":1,"num_words":64,"start":1607.14,"end":1625.985},{"sentences":[{"text":"So there's a few people I've had a similar discussion with, and they've chosen to wait that three to six months.","start":1627.27,"end":1631.925,"sentiment":"neutral","sentiment_score":-0.1387260105638277},{"text":"As I said, as a company, we are like, they've decided to move away from it just from their economic outlook of the fund.","start":1632.245,"end":1637.7051,"sentiment":"neutral","sentiment_score":-0.2985060401260853},{"text":"But even if you were to wait that three to six months, you could be foregoing potential gains in another investment, or you could be sort of, you know, hurting yourself and it not moving much of the way anyway.","start":1638.4851,"end":1649.09,"sentiment":"negative","sentiment_score":-0.46659716926515105},{"text":"Or it could rebound and you could get some of those losses.","start":1649.7899,"end":1652.35,"sentiment":"negative","sentiment_score":-0.5002140154441198},{"text":"So it's sort of like even if it rebounded, like, sort of three to 4%, if you got that in another investment, you're sort of not really losing much because you're growing somewhere else.","start":1652.35,"end":1661.505,"sentiment":"negative","sentiment_score":-0.3549020167659311}],"sentiment":"negative","sentiment_score":-0.35733217336521805,"channel":0,"num_words":131,"start":1627.27,"end":1661.505},{"sentences":[{"text":"Whereas if it sorta stays stagnant too, given the the economic outlook of the fund, you could potentially lose out on potential growth even if it doesn't, perform too fantastic.","start":1661.745,"end":1672.805,"sentiment":"negative","sentiment_score":-0.6149512320756912},{"text":"So that's that's sort of your choice in regards to that one.","start":1675.585,"end":1678.4401,"sentiment":"neutral","sentiment_score":-0.24345621963342032},{"text":"Obviously, I made the recommendation of what you told me previously just to move away from it.","start":1678.4401,"end":1682.12,"sentiment":"neutral","sentiment_score":-0.2143285037840114},{"text":"But like you said, it is quite a large portion for you in terms of that.","start":1682.12,"end":1686.28,"sentiment":"neutral","sentiment_score":-0.08894731849431992},{"text":"But in saying that if you put that what is remaining left in that fund somewhere else, you could be getting better returns because it is quite a","start":1686.28,"end":1692.15,"sentiment":"neutral","sentiment_score":0.07331404222973756}],"sentiment":"neutral","sentiment_score":-0.23673747646287807,"channel":0,"num_words":103,"start":1661.745,"end":1692.15},{"sentences":[{"text":"So on top of moving away from it, I I would also be potentially paying out, like, capital gains on forever.","start":1695.62,"end":1703.7201,"sentiment":"neutral","sentiment_score":-0.0939875826949165},{"text":"They might be","start":1704.98,"end":1705.54,"sentiment":"neutral","sentiment_score":-0.03789971272150675}],"sentiment":"neutral","sentiment_score":-0.08697659894824028,"channel":1,"num_words":24,"start":1695.62,"end":1705.54},{"sentences":[{"text":"the switch","start":1707.505,"end":1708.11,"sentiment":"neutral","sentiment_score":-0.0391642227768898}],"sentiment":"neutral","sentiment_score":-0.0391642227768898,"channel":0,"num_words":2,"start":1707.505,"end":1708.11},{"sentences":[{"text":"which would be","start":1707.7001,"end":1708.635,"sentiment":"neutral","sentiment_score":-0.05270727723836899}],"sentiment":"neutral","sentiment_score":-0.05270727723836899,"channel":1,"num_words":3,"start":1707.7001,"end":1708.635},{"sentences":[{"text":"there and then, like, the loss you did make on Bennelong, it works out that I believe the the capital gains with the switch in investments that we did do, it doesn't work out to be a whole heap because it carries some of that forward.","start":1708.35,"end":1720.27,"sentiment":"neutral","sentiment_score":-0.0658340252449979},{"text":"I'll just see bear with me two seconds where it is.","start":1720.27,"end":1723.635,"sentiment":"neutral","sentiment_score":0.022124603898687797},{"text":"Sorry.","start":1723.635,"end":1723.7151,"sentiment":"neutral","sentiment_score":-0.1223888248205185},{"text":"I'm jumping around this advice piece a little 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thousands","start":1737.2799,"end":1738.8999,"sentiment":"neutral","sentiment_score":-0.11227373406291008}],"sentiment":"neutral","sentiment_score":-0.1006948438447875,"channel":0,"num_words":37,"start":1727.3151,"end":1738.8999},{"sentences":[{"text":"Yeah.","start":1738.6951,"end":1739.1951,"sentiment":"neutral","sentiment_score":0.03149773180484772}],"sentiment":"neutral","sentiment_score":0.03149773180484772,"channel":1,"num_words":1,"start":1738.6951,"end":1739.1951},{"sentences":[{"text":"if Benelon was up, if that makes sense, to make that 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it's the loss you sort of take now versus potential gains for the future.","start":1746.5599,"end":1750.3251,"sentiment":"neutral","sentiment_score":-0.06025785719975829},{"text":"But like any sort of recommendation, the returns are the one things that aren't guaranteed.","start":1750.3251,"end":1754.665,"sentiment":"neutral","sentiment_score":-0.136672738691171},{"text":"Like I said, with the, you know, the crystal ball, like you said, no one knows what is going to happen.","start":1755.525,"end":1760.405,"sentiment":"neutral","sentiment_score":-0.15053075410070874},{"text":"But as a company, I can only know the investment direction is to move away from Better Long.","start":1760.405,"end":1764.17,"sentiment":"neutral","sentiment_score":-0.1414974240793122}],"sentiment":"neutral","sentiment_score":-0.12307916840405336,"channel":0,"num_words":70,"start":1746.1599,"end":1764.17},{"sentences":[{"text":"But if you decide you do wanna hold that for that three to six months, there's no no harm in that as well if you do feel like it is gonna make a return.","start":1764.17,"end":1772.91,"sentiment":"neutral","sentiment_score":0.24148890726706562},{"text":"It did come back a few percent, and then it dipped it, like, again in terms of that one.","start":1773.53,"end":1777.955,"sentiment":"neutral","sentiment_score":0.0882858372612023},{"text":"And","start":1778.735,"end":1778.975,"sentiment":"neutral","sentiment_score":0.059410251677036285}],"sentiment":"neutral","sentiment_score":0.1842122964207428,"channel":0,"num_words":54,"start":1764.17,"end":1778.975},{"sentences":[{"text":"Yeah.","start":1778.765,"end":1779.265,"sentiment":"neutral","sentiment_score":0.07336121797561646}],"sentiment":"neutral","sentiment_score":0.07336121797561646,"channel":1,"num_words":1,"start":1778.765,"end":1779.265},{"sentences":[{"text":"I'll just double check where it's at now, so bear with 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valid","start":1877.3201,"end":1878.12,"sentiment":"neutral","sentiment_score":0.11335022374987602}],"sentiment":"neutral","sentiment_score":0.15913149755862024,"channel":0,"num_words":18,"start":1873.375,"end":1878.12},{"sentences":[{"text":"Yeah.","start":1877.77,"end":1878.27,"sentiment":"neutral","sentiment_score":0.1190156564116478}],"sentiment":"neutral","sentiment_score":0.1190156564116478,"channel":1,"num_words":1,"start":1877.77,"end":1878.27},{"sentences":[{"text":"for for thirty days, and then it's valid for another, like, thirty after that as long as 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you've been burned a a little bit with what happened with the Benelon side of things.","start":1898.805,"end":1903.88,"sentiment":"neutral","sentiment_score":-0.3060110002756119},{"text":"So, you know, get yourself across it a little bit.","start":1904.1,"end":1906.74,"sentiment":"neutral","sentiment_score":-0.05055693611502647},{"text":"Have a look at the past performance of the ones we are recommending.","start":1906.74,"end":1909.48,"sentiment":"neutral","sentiment_score":0.03877594436590488},{"text":"You know, even do your own little bit of research to make sure you are comfortable.","start":1910.1,"end":1913.085,"sentiment":"neutral","sentiment_score":0.003840412013232708}],"sentiment":"neutral","sentiment_score":-0.09068416153391202,"channel":0,"num_words":75,"start":1896.405,"end":1913.085},{"sentences":[{"text":"I don't wanna push you towards anything you don't feel like you understand or aren't comfortable with at the end of the 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mean?","start":2024.6951,"end":2026.235,"sentiment":"neutral","sentiment_score":-0.02030728794634342},{"text":"Sorry.","start":2026.295,"end":2026.6951,"sentiment":"neutral","sentiment_score":-0.04331231862306595},{"text":"Roughly.","start":2026.6951,"end":2027.1951,"sentiment":"neutral","sentiment_score":-0.03457154333591461}],"sentiment":"neutral","sentiment_score":-0.025631471670099666,"channel":1,"num_words":7,"start":2024.6951,"end":2027.1951},{"sentences":[{"text":"So so the when I say ninety ten split, that's 90% in growth assets being high growth, like things like your","start":2027.6849,"end":2033.845,"sentiment":"neutral","sentiment_score":0.0657822781552871}],"sentiment":"neutral","sentiment_score":0.0657822781552871,"channel":0,"num_words":21,"start":2027.6849,"end":2033.845},{"sentences":[{"text":"Oh,","start":2033.69,"end":2033.85,"sentiment":"neutral","sentiment_score":0.06190864741802216}],"sentiment":"neutral","sentiment_score":0.06190864741802216,"channel":1,"num_words":1,"start":2033.69,"end":2033.85},{"sentences":[{"text":"shares,","start":2033.845,"end":2034.345,"sentiment":"neutral","sentiment_score":0.05044323578476906}],"sentiment":"neutral","sentiment_score":0.05044323578476906,"channel":0,"num_words":1,"start":2033.845,"end":2034.345},{"sentences":[{"text":"yeah.","start":2033.85,"end":2034.35,"sentiment":"neutral","sentiment_score":0.05732271820306778}],"sentiment":"neutral","sentiment_score":0.05732271820306778,"channel":1,"num_words":1,"start":2033.85,"end":2034.35},{"sentences":[{"text":"property,","start":2034.565,"end":2035.065,"sentiment":"neutral","sentiment_score":0.04810788482427597}],"sentiment":"neutral","sentiment_score":0.04810788482427597,"channel":0,"num_words":1,"start":2034.565,"end":2035.065},{"sentences":[{"text":"Yep.","start":2034.97,"end":2035.47,"sentiment":"neutral","sentiment_score":0.0503358356654644}],"sentiment":"neutral","sentiment_score":0.0503358356654644,"channel":1,"num_words":1,"start":2034.97,"end":2035.47},{"sentences":[{"text":"international versus, like, Australian.","start":2036.005,"end":2037.865,"sentiment":"neutral","sentiment_score":0.028430487029254436},{"text":"And then you'll have, like, your defensive portion, which includes some of your alternatives as well.","start":2037.9249,"end":2042.44,"sentiment":"neutral","sentiment_score":0.07562361122108996},{"text":"And that's got, you know, things like those bonds I was talking about, and that's, like, things like","start":2043.06,"end":2047.38,"sentiment":"neutral","sentiment_score":0.07609837212496334}],"sentiment":"neutral","sentiment_score":0.07088080068167887,"channel":0,"num_words":38,"start":2036.005,"end":2047.38},{"sentences":[{"text":"Yep.","start":2047.255,"end":2047.755,"sentiment":"neutral","sentiment_score":0.06027361750602722}],"sentiment":"neutral","sentiment_score":0.06027361750602722,"channel":1,"num_words":1,"start":2047.255,"end":2047.755},{"sentences":[{"text":"cash fixed interest that in market turns as well.","start":2047.38,"end":2050.58,"sentiment":"neutral","sentiment_score":0.08269418982995881},{"text":"They just tick along slowly.","start":2050.58,"end":2052.1,"sentiment":"neutral","sentiment_score":0.18641035854816437},{"text":"They don't look to get massive returns, but then they don't lose much value in those economic downturns as well.","start":2052.1,"end":2058.055,"sentiment":"neutral","sentiment_score":0.027102906629443167},{"text":"The alternative asset is that gold.","start":2058.355,"end":2060.035,"sentiment":"neutral","sentiment_score":0.0875383031864961},{"text":"It works as a bit of growth versus defensive in terms of how the markets are going.","start":2060.035,"end":2064.275,"sentiment":"neutral","sentiment_score":0.17832876522751415}],"sentiment":"neutral","sentiment_score":0.10131888529449179,"channel":0,"num_words":57,"start":2047.38,"end":2064.275},{"sentences":[{"text":"You get capital growth out of it, and it is defensive.","start":2064.275,"end":2066.835,"sentiment":"neutral","sentiment_score":0.3308683701536872},{"text":"It holds its value and ticks up slowly as well.","start":2066.835,"end":2069.8901,"sentiment":"positive","sentiment_score":0.5275355577468872},{"text":"So that's why it's an alternative.","start":2069.8901,"end":2071.33,"sentiment":"neutral","sentiment_score":0.3067893510063489},{"text":"It gets a bit of both worlds.","start":2071.33,"end":2072.79,"sentiment":"positive","sentiment_score":0.3489372304507664}],"sentiment":"positive","sentiment_score":0.38818248142214384,"channel":0,"num_words":34,"start":2064.275,"end":2072.79},{"sentences":[{"text":"So high growth is ninety 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growth assets, if you do have high conviction and hold those assets, that you do end up with those higher returns.","start":2152.31,"end":2164.55,"sentiment":"positive","sentiment_score":0.36045698821544647},{"text":"So expected return sort of, you know, sitting around the eight to 10% annually for, like, a high growth as, like, an expected annual return, hopefully, and then growth sort of sits more to us at seven to 9% expected","start":2164.55,"end":2177.2349,"sentiment":"neutral","sentiment_score":0.2762524547055364}],"sentiment":"neutral","sentiment_score":0.2988419225682383,"channel":0,"num_words":115,"start":2142.735,"end":2177.2349},{"sentences":[{"text":"Alright.","start":2178.965,"end":2179.205,"sentiment":"neutral","sentiment_score":0.005024189129471779},{"text":"So you you what you're saying is, like, I I should be okay to stay in the high growth till at least around age 60 or something and then look at maybe winding down a 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question,","start":2297.105,"end":2298.305,"sentiment":"neutral","sentiment_score":-0.00864422065205872}],"sentiment":"neutral","sentiment_score":-0.00864422065205872,"channel":1,"num_words":4,"start":2297.105,"end":2298.305},{"sentences":[{"text":"Yeah.","start":2298.2202,"end":2298.7202,"sentiment":"neutral","sentiment_score":0.03351239860057831}],"sentiment":"neutral","sentiment_score":0.03351239860057831,"channel":0,"num_words":1,"start":2298.2202,"end":2298.7202},{"sentences":[{"text":"but I'm ready.","start":2298.305,"end":2299.125,"sentiment":"neutral","sentiment_score":0.061580431958039604}],"sentiment":"neutral","sentiment_score":0.061580431958039604,"channel":1,"num_words":3,"start":2298.305,"end":2299.125},{"sentences":[{"text":"Yeah.","start":2298.78,"end":2299.28,"sentiment":"neutral","sentiment_score":0.06862690299749374},{"text":"No.","start":2299.9001,"end":2300.1401,"sentiment":"neutral","sentiment_score":-0.014760494232177734},{"text":"That that's fine.","start":2300.1401,"end":2301.2002,"sentiment":"neutral","sentiment_score":0.11145932972431183},{"text":"And change those underlying investments.","start":2301.9802,"end":2303.84,"sentiment":"neutral","sentiment_score":0.17027112543582917},{"text":"So with that one, you would be retaining net wealth.","start":2304.665,"end":2306.665,"sentiment":"positive","sentiment_score":0.41273648738861085}],"sentiment":"neutral","sentiment_score":0.2683482449501753,"channel":0,"num_words":20,"start":2298.78,"end":2306.665},{"sentences":[{"text":"You'd be switching those investments if you were happy with it.","start":2306.665,"end":2309.485,"sentiment":"positive","sentiment_score":0.39955125613646075},{"text":"Now with that, it is looking at sort of building a a stronger sort of longevity with your super and having that less market exposure, especially during these times with what's happening in the market.","start":2309.625,"end":2321.34,"sentiment":"positive","sentiment_score":0.5553727090358734},{"text":"And then with that one as well, it is reducing the investment cost.","start":2322.2,"end":2326.62,"sentiment":"positive","sentiment_score":0.6052725498492901},{"text":"So that is a guaranteed savings that you will be having moving forward as well with the word and take the investment because having active investment actually costs more, and sometimes it does actually underperform, which is a bit of a double edged sword in terms of, like, the risk you do take versus the return and then the cost that takes for that risk.","start":2327.0,"end":2345.72,"sentiment":"positive","sentiment_score":0.3741360325079698}],"sentiment":"positive","sentiment_score":0.4517781765710923,"channel":0,"num_words":124,"start":2306.665,"end":2345.72},{"sentences":[{"text":"Okay.","start":2345.625,"end":2346.125,"sentiment":"neutral","sentiment_score":0.054182521998882294}],"sentiment":"neutral","sentiment_score":0.054182521998882294,"channel":1,"num_words":1,"start":2345.625,"end":2346.125},{"sentences":[{"text":"But by, yeah, underlying change those underlying investments, maintaining that fund, you don't take on all the capital gains for that.","start":2345.72,"end":2352.54,"sentiment":"neutral","sentiment_score":-0.046043356969243006},{"text":"And then you can look, given the loss that has occurred, switching up those investments and not paying as much capital gains to do so, which is why we decided to do, like, a full sort of portfolio, a little update there as well.","start":2352.92,"end":2365.2148,"sentiment":"neutral","sentiment_score":0.026439525017684155},{"text":"Now you will be paying less fees.","start":2366.2349,"end":2368.315,"sentiment":"neutral","sentiment_score":0.311660179070064},{"text":"It does have historically a better track record just given the last five year rolling averages, but that isn't too hard with what happened with Benelon, unfortunately.","start":2368.7148,"end":2375.64,"sentiment":"neutral","sentiment_score":0.2306183245446947},{"text":"And then it is in line with your risk profile still, and then it will remove that management risk from your investment there as well.","start":2376.98,"end":2383.88,"sentiment":"neutral","sentiment_score":0.07359900817275047}],"sentiment":"neutral","sentiment_score":0.08423161149145134,"channel":0,"num_words":124,"start":2345.72,"end":2383.88},{"sentences":[{"text":"As always, though, you there is a certain degree of risk that the recommended investments will not perform as recommended or sort of as the projection state because it is based on those those rolling averages there as well.","start":2384.74,"end":2397.355,"sentiment":"negative","sentiment_score":-0.37283960424172574},{"text":"But in saying that we have a bit more conviction in those index investments moving forward and their returns versus, like, the that you currently hold versus holding that,","start":2398.135,"end":2407.86,"sentiment":"neutral","sentiment_score":0.17608817358469142}],"sentiment":"neutral","sentiment_score":-0.13873805193340077,"channel":0,"num_words":68,"start":2384.74,"end":2407.86},{"sentences":[{"text":"Yep.","start":2409.725,"end":2410.225,"sentiment":"neutral","sentiment_score":0.2232513278722763}],"sentiment":"neutral","sentiment_score":0.2232513278722763,"channel":1,"num_words":1,"start":2409.725,"end":2410.225},{"sentences":[{"text":"if that makes sense.","start":2411.2002,"end":2412.34,"sentiment":"neutral","sentiment_score":0.22489509731531143}],"sentiment":"neutral","sentiment_score":0.22489509731531143,"channel":0,"num_words":4,"start":2411.2002,"end":2412.34},{"sentences":[{"text":"Sort of.","start":2413.2898,"end":2413.93,"sentiment":"neutral","sentiment_score":0.13489464670419693},{"text":"Yeah.","start":2413.93,"end":2414.43,"sentiment":"neutral","sentiment_score":0.1284293383359909},{"text":"I'm","start":2414.5698,"end":2414.97,"sentiment":"neutral","sentiment_score":0.1005723997950554}],"sentiment":"neutral","sentiment_score":0.12469775788486004,"channel":1,"num_words":4,"start":2413.2898,"end":2414.97},{"sentences":[{"text":"Yeah.","start":2414.7202,"end":2415.2202,"sentiment":"neutral","sentiment_score":0.09607703238725662}],"sentiment":"neutral","sentiment_score":0.09607703238725662,"channel":0,"num_words":1,"start":2414.7202,"end":2415.2202},{"sentences":[{"text":"I'm just looking at the on the page seventeen, nineteen, whatever.","start":2414.97,"end":2419.69,"sentiment":"neutral","sentiment_score":0.08637928691777316},{"text":"It's page 16.","start":2419.69,"end":2420.73,"sentiment":"neutral","sentiment_score":0.07835825035969417},{"text":"So that that shows all my investments there.","start":2420.73,"end":2423.21,"sentiment":"neutral","sentiment_score":0.08954101335257292},{"text":"Yeah?","start":2423.21,"end":2423.71,"sentiment":"neutral","sentiment_score":0.09932584315538406}],"sentiment":"neutral","sentiment_score":0.08699568944132846,"channel":1,"num_words":23,"start":2414.97,"end":2423.71},{"sentences":[{"text":"Yep.","start":2424.495,"end":2424.975,"sentiment":"neutral","sentiment_score":0.11625009030103683},{"text":"So that's everything total.","start":2424.975,"end":2426.655,"sentiment":"neutral","sentiment_score":0.1356051154434681},{"text":"So on the the left hand column, it labels everything, and you'll see the current weighting.","start":2426.655,"end":2432.61,"sentiment":"neutral","sentiment_score":0.0872125024907291},{"text":"Now the ones","start":2432.9102,"end":2434.03,"sentiment":"neutral","sentiment_score":0.03808115546902021}],"sentiment":"neutral","sentiment_score":0.0903464190972348,"channel":0,"num_words":24,"start":2424.495,"end":2434.03},{"sentences":[{"text":"Yeah.","start":2433.915,"end":2434.415,"sentiment":"neutral","sentiment_score":0.08267907798290253}],"sentiment":"neutral","sentiment_score":0.08267907798290253,"channel":1,"num_words":1,"start":2433.915,"end":2434.415},{"sentences":[{"text":"up the top are the weightings of your current portfolio.","start":2434.03,"end":2436.53,"sentiment":"neutral","sentiment_score":0.10993438959121704},{"text":"You'll be able to see exactly what they're invested in.","start":2436.59,"end":2439.6501,"sentiment":"neutral","sentiment_score":0.1586064524948597},{"text":"And then the few below that you're currently investing, they'll have a 0% waiting.","start":2439.9502,"end":2443.945,"sentiment":"neutral","sentiment_score":0.08330299598830086},{"text":"Now with the changes, you'll see the buyers and sales.","start":2443.945,"end":2446.665,"sentiment":"neutral","sentiment_score":0.06343724429607392},{"text":"So we're looking at getting rid of Bennelong fully.","start":2446.665,"end":2448.765,"sentiment":"neutral","sentiment_score":-0.0028475502298937905}],"sentiment":"neutral","sentiment_score":0.0841583935016731,"channel":0,"num_words":53,"start":2434.03,"end":2448.765},{"sentences":[{"text":"We're looking at getting iShares Misky fully and selling those down and then adjusting the Japan back to the original waiting of around the 5%.","start":2449.385,"end":2457.28,"sentiment":"neutral","sentiment_score":0.05195740506052971},{"text":"So that's selling back down a bit.","start":2457.66,"end":2459.5999,"sentiment":"neutral","sentiment_score":0.07577435086880412},{"text":"And then you'll be investing a little bit more into your S and P 500","start":2460.06,"end":2464.32,"sentiment":"neutral","sentiment_score":0.10177097121874491}],"sentiment":"neutral","sentiment_score":0.07140255640161798,"channel":0,"num_words":47,"start":2449.385,"end":2464.32},{"sentences":[{"text":"Yes.","start":2463.945,"end":2464.2651,"sentiment":"neutral","sentiment_score":0.1643092930316925},{"text":"I 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into the bank hybrids, which is that defensive portion, the BetaShares two hundred, and the All World excluding The US to make sure that you're not sort of geographically pinned to America or Australia there as well.","start":2473.335,"end":2486.91,"sentiment":"neutral","sentiment_score":0.1295366373844445},{"text":"It gives you a bit of more exposure outside of just, like, Japan as a third option in Europe.","start":2487.0698,"end":2491.73,"sentiment":"neutral","sentiment_score":0.11938703883635371}],"sentiment":"neutral","sentiment_score":0.12898461649283058,"channel":0,"num_words":84,"start":2465.5798,"end":2491.73},{"sentences":[{"text":"Yeah.","start":2493.7249,"end":2494.2249,"sentiment":"neutral","sentiment_score":0.0969523787498474},{"text":"Yeah.","start":2495.38,"end":2495.54,"sentiment":"neutral","sentiment_score":0.11881595849990843},{"text":"Yeah.","start":2495.54,"end":2496.02,"sentiment":"neutral","sentiment_score":0.16414979100227356},{"text":"No problem.","start":2496.02,"end":2496.82,"sentiment":"neutral","sentiment_score":0.3067578822374344},{"text":"Well, thank you.","start":2496.82,"end":2497.54,"sentiment":"positive","sentiment_score":0.6572139859199524}],"sentiment":"positive","sentiment_score":0.3706344813108444,"channel":1,"num_words":8,"start":2493.7249,"end":2497.54},{"sentences":[{"text":"I'll I'll definitely I'll put him today at work, and I'll have a good read of it.","start":2497.54,"end":2502.1199,"sentiment":"positive","sentiment_score":0.5886769136961769}],"sentiment":"positive","sentiment_score":0.5886769136961769,"channel":1,"num_words":17,"start":2497.54,"end":2502.1199},{"sentences":[{"text":"Yep.","start":2502.7449,"end":2503.065,"sentiment":"neutral","sentiment_score":0.12644833326339722},{"text":"Not a problem at all.","start":2503.065,"end":2503.865,"sentiment":"neutral","sentiment_score":0.011096273362636567},{"text":"And my screen's just frozen a second there, so bear with me.","start":2503.865,"end":2508.7449,"sentiment":"negative","sentiment_score":-0.3638482093811035},{"text":"I'll have to pull up a different copy of your statement advice to keep going through that with you.","start":2508.7449,"end":2513.565,"sentiment":"neutral","sentiment_score":-0.27497462300877823},{"text":"Apologies for that.","start":2513.705,"end":2514.75,"sentiment":"neutral","sentiment_score":-0.31866305073102313}],"sentiment":"neutral","sentiment_score":-0.25911889504641294,"channel":0,"num_words":40,"start":2502.7449,"end":2514.75},{"sentences":[{"text":"That's okay.","start":2515.2651,"end":2516.085,"sentiment":"neutral","sentiment_score":-0.07793023809790611}],"sentiment":"neutral","sentiment_score":-0.07793023809790611,"channel":1,"num_words":2,"start":2515.2651,"end":2516.085},{"sentences":[{"text":"That's just gonna take a second to load back up.","start":2521.87,"end":2524.37,"sentiment":"neutral","sentiment_score":-0.006600171700119973},{"text":"Going back down to page 16 then.","start":2527.07,"end":2530.625,"sentiment":"neutral","sentiment_score":-0.005508446201149907},{"text":"Sorry.","start":2535.965,"end":2536.465,"sentiment":"neutral","sentiment_score":0.1293464154005051},{"text":"Perfect.","start":2536.605,"end":2537.105,"sentiment":"positive","sentiment_score":0.548232913017273},{"text":"Yep.","start":2537.885,"end":2538.125,"sentiment":"neutral","sentiment_score":0.3053871989250183}],"sentiment":"neutral","sentiment_score":0.043920284346677364,"channel":0,"num_words":20,"start":2521.87,"end":2538.125},{"sentences":[{"text":"So on that one, you'll obviously see those buy sell trades.","start":2538.125,"end":2540.785,"sentiment":"neutral","sentiment_score":0.13048944960940967},{"text":"Now from the allocation so if you go to page 70 there, you'll be able to see what currently investing in terms of what your growth does defensive assets and alternatives.","start":2540.845,"end":2549.7,"sentiment":"neutral","sentiment_score":0.07538196901159902}],"sentiment":"neutral","sentiment_score":0.08981488059673991,"channel":0,"num_words":42,"start":2538.125,"end":2549.7},{"sentences":[{"text":"What page?","start":2549.765,"end":2550.405,"sentiment":"neutral","sentiment_score":0.00558561971411109},{"text":"Sorry.","start":2550.405,"end":2550.905,"sentiment":"neutral","sentiment_score":-0.015573009848594666}],"sentiment":"neutral","sentiment_score":-0.0014672568067908287,"channel":1,"num_words":3,"start":2549.765,"end":2550.905},{"sentences":[{"text":"17, the one just below that.","start":2551.3599,"end":2553.22,"sentiment":"neutral","sentiment_score":-0.00607532961294055}],"sentiment":"neutral","sentiment_score":-0.00607532961294055,"channel":0,"num_words":6,"start":2551.3599,"end":2553.22},{"sentences":[{"text":"79.","start":2554.7,"end":2555.5,"sentiment":"neutral","sentiment_score":0.0277548935264349},{"text":"Yep.","start":2555.5,"end":2556.0,"sentiment":"neutral","sentiment_score":0.23164743185043335}],"sentiment":"neutral","sentiment_score":0.12970116268843412,"channel":1,"num_words":2,"start":2554.7,"end":2556.0},{"sentences":[{"text":"Perfect.","start":2557.52,"end":2558.02,"sentiment":"positive","sentiment_score":0.547148585319519},{"text":"Now the aim is to do that ninety ten split.","start":2559.105,"end":2561.585,"sentiment":"neutral","sentiment_score":0.3258156716823578},{"text":"So currently, you're around 90¢ growth at around 5% defensive with the alternative assets there as 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hold.","start":2583.5,"end":2584.875,"sentiment":"neutral","sentiment_score":-0.09234326084454854},{"text":"But","start":2585.195,"end":2585.355,"sentiment":"neutral","sentiment_score":0.09637346118688583}],"sentiment":"neutral","sentiment_score":-0.0653837291257722,"channel":0,"num_words":7,"start":2583.5,"end":2585.355},{"sentences":[{"text":"Yep.","start":2585.22,"end":2585.72,"sentiment":"neutral","sentiment_score":0.27889686822891235}],"sentiment":"neutral","sentiment_score":0.27889686822891235,"channel":1,"num_words":1,"start":2585.22,"end":2585.72},{"sentences":[{"text":"you still have that higher allocation to those growth assets to try and get those high returns over that long term period, if that makes sense.","start":2585.355,"end":2592.815,"sentiment":"positive","sentiment_score":0.39140258041711956}],"sentiment":"positive","sentiment_score":0.39140258041711956,"channel":0,"num_words":26,"start":2585.355,"end":2592.815},{"sentences":[{"text":"Yep.","start":2593.46,"end":2593.96,"sentiment":"neutral","sentiment_score":0.33193260431289673}],"sentiment":"neutral","sentiment_score":0.33193260431289673,"channel":1,"num_words":1,"start":2593.46,"end":2593.96},{"sentences":[{"text":"Perfect.","start":2595.355,"end":2595.855,"sentiment":"positive","sentiment_score":0.4977796077728271},{"text":"Below that, you'll be able to see what that looks like in terms of, like, the fees you'll be paying first the expected returns.","start":2597.355,"end":2603.6902,"sentiment":"neutral","sentiment_score":0.2660655528306961},{"text":"As I said, it's to be taken with a grain of salt in terms of, like, the expected outcomes of this, but it just shows you based on the five year rolling averages what might occur.","start":2603.6902,"end":2612.6702,"sentiment":"neutral","sentiment_score":0.15847198023564285},{"text":"Now with the one that I'm sort of more focused on is the investment cost.","start":2613.095,"end":2617.355,"sentiment":"neutral","sentiment_score":0.062184658646583554},{"text":"So removing those investments and going more index approach there, you'll be removing a a lot of the investment fees that come with that.","start":2617.575,"end":2625.4949,"sentiment":"neutral","sentiment_score":0.09873042969654004}],"sentiment":"neutral","sentiment_score":0.1589064435660839,"channel":0,"num_words":100,"start":2595.355,"end":2625.4949},{"sentences":[{"text":"So it nearly removes $1,400 in terms of, like, investment costs you'll be paying each year, like, in terms of the investments you do hold, plus another","start":2625.4949,"end":2633.9202,"sentiment":"neutral","sentiment_score":0.20844316482543945}],"sentiment":"neutral","sentiment_score":0.20844316482543945,"channel":0,"num_words":27,"start":2625.4949,"end":2633.9202},{"sentences":[{"text":"Yeah.","start":2633.6501,"end":2634.1501,"sentiment":"neutral","sentiment_score":0.1417653262615204}],"sentiment":"neutral","sentiment_score":0.1417653262615204,"channel":1,"num_words":1,"start":2633.6501,"end":2634.1501},{"sentences":[{"text":"160 or close to a 170 in terms of, like, other fees associated with those investments.","start":2634.3801,"end":2640.0,"sentiment":"neutral","sentiment_score":0.22771168407052755},{"text":"So it does work out that you'll be saving in terms with all of that around the sort of $1,187 per annum.","start":2640.615,"end":2649.755,"sentiment":"positive","sentiment_score":0.49106863276524976},{"text":"And the reason","start":2650.055,"end":2650.955,"sentiment":"neutral","sentiment_score":0.13527626792589822}],"sentiment":"positive","sentiment_score":0.3622616017010154,"channel":0,"num_words":41,"start":2634.3801,"end":2650.955},{"sentences":[{"text":"Yep.","start":2650.585,"end":2651.085,"sentiment":"neutral","sentiment_score":0.010093612596392632}],"sentiment":"neutral","sentiment_score":0.010093612596392632,"channel":1,"num_words":1,"start":2650.585,"end":2651.085},{"sentences":[{"text":"it's not higher is because you're contributing more, which means that your balance is gonna continue to grow, which means the adviser fee being percentage based means that that will go up slightly.","start":2651.175,"end":2660.3699,"sentiment":"neutral","sentiment_score":0.06031219706390843},{"text":"But that's based on the projected return.","start":2660.99,"end":2663.09,"sentiment":"neutral","sentiment_score":0.08855402256761279},{"text":"So it's not the fee you'll actually be charged.","start":2663.15,"end":2665.63,"sentiment":"neutral","sentiment_score":0.03883435039056672},{"text":"It's based on, like, a year's worth of growth and things like that as well.","start":2665.63,"end":2668.77,"sentiment":"neutral","sentiment_score":0.08855392634868622},{"text":"So,","start":2669.375,"end":2669.875,"sentiment":"neutral","sentiment_score":0.029756566509604458}],"sentiment":"neutral","sentiment_score":0.06642700425134256,"channel":0,"num_words":65,"start":2651.175,"end":2669.875},{"sentences":[{"text":"Yeah.","start":2669.5698,"end":2670.0698,"sentiment":"neutral","sentiment_score":-0.006910208612680435}],"sentiment":"neutral","sentiment_score":-0.006910208612680435,"channel":1,"num_words":1,"start":2669.5698,"end":2670.0698},{"sentences":[{"text":"again, if the markets don't perform as well, you get charged off the balance you do occur, which as bad as it does sound even though that they did have a bit of a backwards turn in your fund, it means that we get paid less for what occurred as well because it is that percentage based with the outcomes there.","start":2670.575,"end":2686.8,"sentiment":"neutral","sentiment_score":-0.30001583719839814},{"text":"But the guaranteed savings there will help grow your superannuation balance because that will go towards the growth and not the investment, especially since they weren't performing too fantastic.","start":2686.94,"end":2696.0,"sentiment":"positive","sentiment_score":0.3922068351430112}],"sentiment":"neutral","sentiment_score":-0.07696630944394403,"channel":0,"num_words":90,"start":2670.575,"end":2696.0},{"sentences":[{"text":"Yep.","start":2696.95,"end":2697.45,"sentiment":"neutral","sentiment_score":0.0851132720708847},{"text":"With the net with the contribution, I'm just looking on that same page.","start":2697.67,"end":2703.275,"sentiment":"neutral","sentiment_score":0.0412267495233279},{"text":"Was it page 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my given my and everything, do you think it's","start":3266.02,"end":3269.78,"sentiment":"neutral","sentiment_score":0.32551113069057463}],"sentiment":"neutral","sentiment_score":0.32551113069057463,"channel":1,"num_words":10,"start":3266.02,"end":3269.78},{"sentences":[{"text":"did","start":3269.695,"end":3270.0151,"sentiment":"positive","sentiment_score":0.4416087567806244}],"sentiment":"positive","sentiment_score":0.4416087567806244,"channel":0,"num_words":1,"start":3269.695,"end":3270.0151},{"sentences":[{"text":"a 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distributions.","start":3278.14,"end":3286.88,"sentiment":"positive","sentiment_score":0.4211806050605244},{"text":"The growth inside it still gets taxed at whatever, like, growth it earns","start":3287.42,"end":3291.02,"sentiment":"neutral","sentiment_score":0.1709707688826781}],"sentiment":"positive","sentiment_score":0.35479840362558557,"channel":0,"num_words":49,"start":3278.14,"end":3291.02},{"sentences":[{"text":"Yes.","start":3290.8398,"end":3291.3398,"sentiment":"neutral","sentiment_score":0.155363529920578}],"sentiment":"neutral","sentiment_score":0.155363529920578,"channel":1,"num_words":1,"start":3290.8398,"end":3291.3398},{"sentences":[{"text":"and incomes it earns.","start":3291.02,"end":3292.16,"sentiment":"neutral","sentiment_score":0.15149126760661602},{"text":"But if you had an investment outside of super come, you know, retirement, if you put 50,000 or 30,000 a year, you know, investment outside of super, when you wanna draw that down in retirement, you still gotta 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that those same three years are gonna replicate for the next ten years, you'd be saying, like, the markets are gonna do the exact same thing back to back","start":3884.745,"end":3893.085,"sentiment":"neutral","sentiment_score":0.0789995172597242}],"sentiment":"neutral","sentiment_score":0.07683373660948432,"channel":0,"num_words":61,"start":3877.98,"end":3893.085},{"sentences":[{"text":"Yep.","start":3893.015,"end":3893.515,"sentiment":"neutral","sentiment_score":0.015365084633231165}],"sentiment":"neutral","sentiment_score":0.015365084633231165,"channel":1,"num_words":1,"start":3893.015,"end":3893.515},{"sentences":[{"text":"twice, basically, or three times, 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we we obviously try and keep aligned with what you're wanting to achieve and trying to get you there, which is why we do these updates and things like that as well.","start":3970.055,"end":3978.03,"sentiment":"positive","sentiment_score":0.35301835428584705}],"sentiment":"positive","sentiment_score":0.3490598622490378,"channel":0,"num_words":34,"start":3969.815,"end":3978.03},{"sentences":[{"text":"Mhmm.","start":3978.2449,"end":3978.7449,"sentiment":"neutral","sentiment_score":0.04496779292821884}],"sentiment":"neutral","sentiment_score":0.04496779292821884,"channel":1,"num_words":1,"start":3978.2449,"end":3978.7449},{"sentences":[{"text":"But as far as, like, what you originally projected, I'd have to go back and have a look and see what that that look like in terms of, like, the figures to see if I I could see that.","start":3979.29,"end":3989.2249,"sentiment":"neutral","sentiment_score":0.04246573780591671},{"text":"But we do have, like, your goal of what you're trying to achieve 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we're there.","start":4029.92,"end":4030.9,"sentiment":"neutral","sentiment_score":0.10954884191354115},{"text":"When a year from now, like, if the markets go great, you're above that goal.","start":4031.1199,"end":4034.96,"sentiment":"neutral","sentiment_score":-0.059541506320238115},{"text":"If it has a bad year, then you're below that goal sort of thing.","start":4034.96,"end":4037.8398,"sentiment":"negative","sentiment_score":-0.3762824705668858},{"text":"Like, that's why","start":4037.8398,"end":4039.38,"sentiment":"neutral","sentiment_score":-0.11157643049955368}],"sentiment":"neutral","sentiment_score":-0.17620456995708603,"channel":0,"num_words":35,"start":4029.92,"end":4039.38},{"sentences":[{"text":"oh, yeah.","start":4039.095,"end":4039.8,"sentiment":"neutral","sentiment_score":-0.08454184234142303},{"text":"Yeah.","start":4039.96,"end":4040.2,"sentiment":"neutral","sentiment_score":-0.012231223285198212},{"text":"I was more aiming to, like when I was asking that is, like, okay.","start":4040.2,"end":4045.56,"sentiment":"neutral","sentiment_score":0.05696089831846101},{"text":"I've been with you guys for five or six years.","start":4045.56,"end":4047.82,"sentiment":"neutral","sentiment_score":0.07698141299188137},{"text":"If things were, like, for the next five or six years similar and then or and going forward, are we looking like, yep, it's somewhere there sort of thing where we where we're heading or or not.","start":4048.68,"end":4060.615,"sentiment":"neutral","sentiment_score":0.01080533889801921}],"sentiment":"neutral","sentiment_score":0.027902333400561474,"channel":1,"num_words":64,"start":4039.095,"end":4060.615},{"sentences":[{"text":"That that's what I meant, if that makes 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well.","start":4343.27,"end":4345.05,"sentiment":"neutral","sentiment_score":0.24270258181624943}],"sentiment":"neutral","sentiment_score":0.3053964447784931,"channel":0,"num_words":47,"start":4334.315,"end":4345.05},{"sentences":[{"text":"No problem.","start":4345.275,"end":4346.0146,"sentiment":"neutral","sentiment_score":0.16098448634147644},{"text":"Thank you.","start":4346.315,"end":4347.135,"sentiment":"neutral","sentiment_score":0.24250829219818115}],"sentiment":"neutral","sentiment_score":0.2017463892698288,"channel":1,"num_words":4,"start":4345.275,"end":4347.135},{"sentences":[{"text":"No problem, Zoran.","start":4347.43,"end":4348.23,"sentiment":"neutral","sentiment_score":0.093783900141716},{"text":"Anything else for me while you've got me there just in regards to the","start":4348.23,"end":4351.37,"sentiment":"neutral","sentiment_score":0.03309865069708654}],"sentiment":"neutral","sentiment_score":0.04380781236378586,"channel":0,"num_words":17,"start":4347.43,"end":4351.37},{"sentences":[{"text":"No.","start":4351.7197,"end":4352.04,"sentiment":"neutral","sentiment_score":-0.03936711326241493},{"text":"Not really.","start":4352.04,"end":4352.68,"sentiment":"neutral","sentiment_score":-0.056525694206357},{"text":"Not I think we've talked a lot about everything.","start":4352.68,"end":4355.7397,"sentiment":"neutral","sentiment_score":-0.029456392344501283},{"text":"Thank","start":4356.44,"end":4356.68,"sentiment":"neutral","sentiment_score":0.1953444927930832}],"sentiment":"neutral","sentiment_score":-0.017090887690965947,"channel":1,"num_words":13,"start":4351.7197,"end":4356.68},{"sentences":[{"text":"yeah.","start":4356.6553,"end":4357.1553,"sentiment":"neutral","sentiment_score":0.1897349059581757}],"sentiment":"neutral","sentiment_score":0.1897349059581757,"channel":0,"num_words":1,"start":4356.6553,"end":4357.1553},{"sentences":[{"text":"you.","start":4356.68,"end":4357.08,"sentiment":"neutral","sentiment_score":0.20648279786109924},{"text":"Thank you for answering all my questions.","start":4357.08,"end":4359.1,"sentiment":"positive","sentiment_score":0.40393814018794466}],"sentiment":"positive","sentiment_score":0.379256222397089,"channel":1,"num_words":8,"start":4356.68,"end":4359.1},{"sentences":[{"text":"That's not a problem, Zoran.","start":4359.535,"end":4360.735,"sentiment":"positive","sentiment_score":0.3680781304836273},{"text":"I'm happy to.","start":4360.735,"end":4361.6953,"sentiment":"positive","sentiment_score":0.4960482319196065},{"text":"Again, apologize if you ever feel like you got the most out of service so far, but hopefully that changed moving moving forward if you're happy to stay with us there.","start":4361.6953,"end":4368.95,"sentiment":"neutral","sentiment_score":0.19530351868560236}],"sentiment":"neutral","sentiment_score":0.24058831865206742,"channel":0,"num_words":39,"start":4359.535,"end":4368.95},{"sentences":[{"text":"No worries.","start":4369.285,"end":4370.005,"sentiment":"neutral","sentiment_score":0.2468196451663971},{"text":"Thank you, mate.","start":4370.005,"end":4370.9854,"sentiment":"positive","sentiment_score":0.42674586176872253}],"sentiment":"positive","sentiment_score":0.35477537512779234,"channel":1,"num_words":5,"start":4369.285,"end":4370.9854},{"sentences":[{"text":"Too easy.","start":4371.17,"end":4371.73,"sentiment":"positive","sentiment_score":0.53954216837883},{"text":"You enjoy the rest of your afternoon there, Zoran.","start":4371.73,"end":4373.33,"sentiment":"positive","sentiment_score":0.6493751936488681},{"text":"Thanks for your time.","start":4373.33,"end":4374.23,"sentiment":"positive","sentiment_score":0.6340465843677521}],"sentiment":"positive","sentiment_score":0.6306431611378988,"channel":0,"num_words":15,"start":4371.17,"end":4374.23},{"sentences":[{"text":"You too.","start":4374.273,"end":4374.753,"sentiment":"positive","sentiment_score":0.354600191116333},{"text":"Thank you for your time too.","start":4374.753,"end":4376.113,"sentiment":"positive","sentiment_score":0.5084639588991801},{"text":"Bye.","start":4376.113,"end":4376.613,"sentiment":"neutral","sentiment_score":0.23995471000671387}],"sentiment":"positive","sentiment_score":0.44443764951494,"channel":1,"num_words":9,"start":4374.273,"end":4376.613},{"sentences":[{"text":"Thanks, man.","start":4376.29,"end":4376.93,"sentiment":"positive","sentiment_score":0.3653670996427536},{"text":"Bye.","start":4376.93,"end":4377.43,"sentiment":"neutral","sentiment_score":0.1801179051399231}],"sentiment":"neutral","sentiment_score":0.3036173681418101,"channel":0,"num_words":3,"start":4376.29,"end":4377.43}]},"summary":{"result":"success","short":"The OQ Financial representative called Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z attracted to Z. The representative discussed retirement planning and estate planning for the company, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment, the risk profile of the high growth investment,"},"intents":{"segments":[{"text":"Just before we jump into that one, Zoran, if I could just pass you through security with that name, date of birth, and current address, we'll get stuck into that today.","start_word":51,"end_word":81,"intents":[{"intent":"Pass through security","confidence_score":0.608478},{"intent":"Confirm identity","confidence_score":0.0422946}]},{"text":"Thanks for that one, Zoran. Now just before we jump into the actual statement of advice, can I just confirm in regards to, like, your assets and client details that nothing's changed since we, like, originally started the process and gone through everything and created the document?","start_word":94,"end_word":140,"intents":[{"intent":"Offer statement of advice","confidence_score":0.0010346008},{"intent":"Confirm asset details","confidence_score":0.0014903598},{"intent":"Provide information","confidence_score":0.010189675},{"intent":"Confirm receipt of statement of advice","confidence_score":0.0002189403}]},{"text":"Now I am going to send you out a document, and then that will be going to your email there, and that will be zedoknic@yahoo.com.au. Is that still correct? Yeah.","start_word":301,"end_word":330,"intents":[{"intent":"Recommend email address","confidence_score":0.0016148011},{"intent":"Provide email address","confidence_score":0.04416093},{"intent":"Inquire about email address","confidence_score":0.0057533653}]},{"text":"Or So what I can do is because you can't see the document in front of you, and I don't wanna just speak at you for for forty five minutes, I can send it to you.","start_word":351,"end_word":386,"intents":[{"intent":"Send document","confidence_score":0.8772194},{"intent":"Send document","confidence_score":0.17798623}]},{"text":"I can give you a brief overview of the sections, what's in it, and the sort of compliance side of things.","start_word":386,"end_word":406,"intents":[{"intent":"Provide overview","confidence_score":0.18488051}]},{"text":"I can give you a brief overview of the sections, what's in it, and the sort of compliance side of things. And then you can go away and have a read of it when you get a chance and then come back with any questions you might have or any sort of queries in you might have or any sort of queries in regards to the document, if that's alright. Sure.","start_word":386,"end_word":456,"intents":[{"intent":"Provide information","confidence_score":0.06528437}]},{"text":"Perfect.","start_word":457,"end_word":457,"intents":[{"intent":"Provide support","confidence_score":0.16889651}]},{"text":"As part of the supporting documents there, you'll obviously have the new Oakview Financial Services Guide and the Financial Services Guide there as well. In addition to that, you'll also have the PDF documents for the recommended products for your your superannuation that you'll be retaining from the recommendation and then also the suggested insurances there as well.","start_word":581,"end_word":638,"intents":[{"intent":"Provide recommendation","confidence_score":0.022494745}]},{"text":"to that, you also have the the appendix and a copy of the statement of advice as an attachment in that as well.","start_word":642,"end_word":664,"intents":[{"intent":"Provide appendix","confidence_score":0.15342183}]},{"text":"So in regards to the document, obviously, there's a best interest duty there.","start_word":729,"end_word":741,"intents":[{"intent":"Show best interest duty","confidence_score":0.038643297}]},{"text":"As far as what's not considered, we had a conversation about retirement income needs, your state planning, budgeting.","start_word":796,"end_word":813,"intents":[{"intent":"Discuss retirement needs","confidence_score":0.21042974}]},{"text":"As far as your estate planning matters, you are happy with what you've got in place there. Your your will's up to date. Your beneficiaries are good. And then with your budget and savings there as well, I know you're paying down that little bit a supplementary home loan you took out for renovations, but otherwise, you're largely debt free and saving quite well. Yeah.","start_word":871,"end_word":935,"intents":[{"intent":"Discuss estate planning","confidence_score":0.83638823}]},{"text":"In regards to investments, I know you might sort of particularly look at sort of investment at Super given how things are going in the near sort of few years, but you didn't wanna at this point in sort of circumstances see if things change.","start_word":936,"end_word":980,"intents":[{"intent":"Discuss investments","confidence_score":0.06727967}]},{"text":"the supporting as well as the, yeah, the so if you click on the statement of advice, you'll be able to follow along with me and have a look at the sections I'm talking about there for you as well, Zoran.","start_word":1097,"end_word":1137,"intents":[{"intent":"Explaining statement advice","confidence_score":0.0030330634},{"intent":"Explaining purpose of call","confidence_score":0.00050060544}]},{"text":"So with the recommendation in the simplified version is we're gonna look at retaining your net wealth account just due to capital gains that may apply for moving your funds from your one platform to another.","start_word":1253,"end_word":1288,"intents":[{"intent":"Recommending retaining net wealth account","confidence_score":0.00079087116}]},{"text":"you're able to utilize it for the purposes of having a retail fund and sort of modifying the investments and doing things, like, in the future with your superannuation retirement strategies. You don't have to pay that capital gains. And then with that, we'll be looking at changing those underlying investments, like you said, to eliminate the ones that aren't performing well for you.","start_word":1444,"end_word":1507,"intents":[{"intent":"Analyze investments","confidence_score":0.0032350111}]},{"text":"So feel free to double check those, make sure that's all accurate and up to date. Same with the next page over. You'll be able to see your assets and liabilities as well. 678.","start_word":1804,"end_word":1837,"intents":[{"intent":"Review balance sheet","confidence_score":8.21564e-8}]},{"text":"So, obviously, I can't, like, sort of justify I what happened previously to me because I wasn't the adviser think that Ken. reckon Like, yeah.","start_word":2164,"end_word":2188,"intents":[{"intent":"Clarify ken's decision","confidence_score":0.026830228}]},{"text":"So surely, he can explain why we've done that. I would like yeah.","start_word":2205,"end_word":2217,"intents":[{"intent":"Explain why decision was made","confidence_score":0.0013922192}]},{"text":"In regards to the conversation that occurred previously, I can't sort of, Yeah. like, because Yep. that between you and the adviser that had those conversations.","start_word":2312,"end_word":2337,"intents":[{"intent":"Explain context of conversation","confidence_score":0.000009253227}]},{"text":"So you'll still have a large percentage weighing in the core of your portfolio, but that's not an active management moving forward.","start_word":2524,"end_word":2545,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.30070913}]},{"text":"The the active portion, like, the active managed funds like that, Benelon, you have a fund manager trying to outperform the market.","start_word":3304,"end_word":3325,"intents":[{"intent":"Analyze funds","confidence_score":0.014521216}]},{"text":"And with index investing, it comes at a lower cost and that the markets are doing good, your investments are doing good. If the markets are stalling just a little bit, it may not see as much growth because you're not trying to outperform it. You're not picking the few winners in those downturn sort of times as the market as a whole. Yes.","start_word":3597,"end_word":3660,"intents":[{"intent":"Analyze investment portfolio","confidence_score":0.05673582}]},{"text":"But it feels like when I look at my year today, like you say, if I look from today's date back twelve months, it feels like my my balance is exactly the same to what I had twelve months ago. But then I put in, like, say, $25,000 at least. And also that means there was no gains or anything. So it's a lot more than $7,000, it seems.","start_word":4212,"end_word":4280,"intents":[{"intent":"Assess financial situation","confidence_score":0.00077509996}]},{"text":"But in terms of, like, the growth out of Benelon that it's had since you've held it and then the backwards step, that's closer to, like, net $77,000, if that makes sense.","start_word":4463,"end_word":4494,"intents":[{"intent":"Analyze enelon's growth and return","confidence_score":0.000387291}]},{"text":"part of what I'd originally suggest is, like, you can wait that three to six months and see how it tracks and how it returns. We can keep a bit more of an eye and do sort of three month follow ups to see if you recoup some of that losses before making the change. Mhmm.","start_word":4813,"end_word":4868,"intents":[{"intent":"Discuss recouping losses","confidence_score":0.00018389273}]},{"text":"But would that be smart strategy if I say, yeah, let's just move away from them and, like, crystallize the loss and stuff? Like, that that's a lot of money. So or or would there better be would you suggest a better strategy maybe to wait a few months and see how they go? Or, like, what's smarter sort of strategy as an investor?","start_word":5033,"end_word":5096,"intents":[{"intent":"Evaluate investment strategy","confidence_score":0.18284434}]},{"text":"What what what's it done since the actual things went down in November? Like, is it like, any recovery sort of thing?","start_word":5620,"end_word":5641,"intents":[{"intent":"Monitor investment progress","confidence_score":0.0003749309}]},{"text":"You do have a link to all the investments in the recommended portfolio in the appendix as well. You can even have Okay.","start_word":5921,"end_word":5943,"intents":[{"intent":"Evaluate investment options","confidence_score":0.0010049209}]},{"text":"It does increase that slightly. It also puts you in BetaShares Australia two hundred, which is, like, the Benelong switch equivalent, if that makes sense.","start_word":6094,"end_word":6118,"intents":[{"intent":"Update portfolio investment portfolio","confidence_score":7.894324e-7}]},{"text":"It works as a bit of growth versus defensive in terms of how the markets are going. You get capital growth out of it, and it is defensive. It holds its value and ticks up slowly as well. So that's why it's an alternative. It gets a bit of both worlds. So high growth is ninety ten. What's Yep.","start_word":6440,"end_word":6498,"intents":[{"intent":"Evaluate growth potential","confidence_score":0.015573767}]},{"text":"Have a have a good read through it and see how you feel about it.","start_word":7160,"end_word":7174,"intents":[{"intent":"Evaluate portfolio potential","confidence_score":0.0046607414}]},{"text":"Now you will be paying less fees. It does have historically a better track record just given the last five year rolling averages, but that isn't too hard with what happened with Benelon, unfortunately. And then it is in line with your risk profile still, and then it will remove that management risk from your investment there as well.","start_word":7452,"end_word":7510,"intents":[{"intent":"Optimize portfolio performance","confidence_score":0.009592085}]},{"text":"But in saying that we have a bit more conviction in those index investments moving forward and their returns versus, like, the that you currently hold versus holding that, Yep. if that makes sense. Sort of.","start_word":7551,"end_word":7586,"intents":[{"intent":"Evaluate investment options","confidence_score":0.046814274}]},{"text":"it's not higher is because you're contributing more, which means that your balance is gonna continue to grow, which means the adviser fee being percentage based means that that will go up slightly. But that's based on the projected return. So it's not the fee you'll actually be charged. It's based on, like, a year's worth of growth and things like that as well. So, Yeah.","start_word":8252,"end_word":8317,"intents":[{"intent":"Provide advice on fee structure","confidence_score":0.00021995533}]},{"text":"contribution cap spacing for not only, like, this year, but previous five years as well. So Okay.","start_word":8609,"end_word":8625,"intents":[{"intent":"Discuss contribution cap spacing and tax implications","confidence_score":0.0024240145}]},{"text":"I'll have a look at the myGov. I didn't realize that you could do that. I know you've mentioned it once before as well, but I haven't looked at it. Okay.","start_word":8693,"end_word":8723,"intents":[{"intent":"Discuss mygov","confidence_score":0.030295173}]},{"text":"your employer is gonna put in your contributions and things like that as well and how much you expected based on Have your they have they changed the rules with that?","start_word":8789,"end_word":8819,"intents":[{"intent":"Explain rules and change in contributions","confidence_score":0.00019350536}]},{"text":"it does cost the employer every time they put money into super through, like, SuperStream. It does cost accounting wise to put money into to super that the business does have to pay, Yep.","start_word":8942,"end_word":8975,"intents":[{"intent":"Discuss accounting costs","confidence_score":0.00087101}]},{"text":"because if you go over the page as well, you can see, like, the the twelve months, three years, and five years. Now if you look at the twelve months report, you say you're doing that 1.2 before you take into account investment costs and things like that. And then that five years close to that 8.8 before you take into account fees, which is where you're sort sitting now given what occurred during COVID and things like that. Yeah.","start_word":9261,"end_word":9340,"intents":[{"intent":"Recommend investment years","confidence_score":0.000010791477}]},{"text":"And then if you look at the twelve month and the three years from those index investments, just because the markets have been doing well in terms of, like even though they've been quite volatile with, you know, Trump playing around in the market, they've been ticking up quite steadily, which is why Mhmm. those index investments have been doing well.","start_word":9342,"end_word":9402,"intents":[{"intent":"Evaluate index investments","confidence_score":0.21208456}]},{"text":"Obviously, the advantage of that, you're obviously taking advantage of that 15% tax rate. It's investing given that you don't have much debt as well for, you know, your retirement, the end of your working life as well versus, like, having a retirement or investment outside of super that does form part of your taxable income. So you do form that tax benefit.","start_word":9946,"end_word":10008,"intents":[{"intent":"Educate on tax benefits","confidence_score":0.0058531584}]},{"text":"if But something given my given my and everything, do you think it's did a smart occur. strategy to just keep doing salary sacrificing up to $30 thousand dollar account?","start_word":10124,"end_word":10153,"intents":[{"intent":"Recommend investment strategy","confidence_score":0.00025756998}]},{"text":"You do lose a little bit of those benefits, but the income protection's quite comparable in terms of what you're paying and what you're receiving.","start_word":10750,"end_word":10774,"intents":[{"intent":"Evaluate benefits","confidence_score":0.009234036}]},{"text":"The only difference that came out with that, Zoran so within regards to your current Neos policy, I know you did disclose you had a leg injury, but on the application, Yeah.","start_word":10927,"end_word":10958,"intents":[{"intent":"Clarify policy differences","confidence_score":0.12756865}]},{"text":"But, technically, it should have been exclusion on that current Neos policy. Okay. So Just it won't affect me going forward, what you're saying, because well, either, yeah, either way, even if you didn't go it's ahead with these insurance, it technically still should apply to the on Neos policy because they came back saying that there. it would be it would have been an exclusion, basically.","start_word":11170,"end_word":11236,"intents":[{"intent":"Clarify policy application","confidence_score":0.037693944}]},{"text":"It's If if it's I not have an injury on this same leg, as long as it's not that tendon or to do anything to do with that old injury, I would be still covered even though it's on that same leg.","start_word":11509,"end_word":11550,"intents":[{"intent":"Explain insurance coverage","confidence_score":0.00013847392},{"intent":"Clarify injury coverage","confidence_score":0.1625676}]},{"text":"It's If if it's I not have an injury on this same leg, as long as it's not that tendon or to do anything to do with that old injury, I would be still covered even though it's on that same leg. But if it's exactly.","start_word":11509,"end_word":11554,"intents":[{"intent":"Clarify policy details","confidence_score":0.0027477832}]},{"text":"And as I said, it can they're quite worthy, those pre assessments too or, like, the application summary.","start_word":11674,"end_word":11691,"intents":[{"intent":"Inquire about pre assessments","confidence_score":0.0011107384}]},{"text":"the the fact of the matter is it will be an exclusion, and it would have been an exclusion on that nail policy anyway if as long as you're comfortable with that. Yeah.","start_word":11824,"end_word":11856,"intents":[{"intent":"Refuse exclusion","confidence_score":0.0002751663},{"intent":"Clarify policy limitations","confidence_score":0.0030867765}]},{"text":"terms Sorry.","start_word":12039,"end_word":12040,"intents":[{"intent":"Analyze insurance costs","confidence_score":0.03998426}]},{"text":"But as far as, like, what you originally projected, I'd have to go back and have a look and see what that that look like in terms of, like, the figures to see if I I could see that.","start_word":12536,"end_word":12574,"intents":[{"intent":"Evaluate forecast predictions","confidence_score":0.00005472802}]},{"text":"But we do have, like, your goal of what you're trying to achieve by retirement and the income in retirement, which is what more so I'm basing on. It's getting that sort of $1,700 per week in retirement and trying to get there.","start_word":12576,"end_word":12618,"intents":[{"intent":"Assess retirement goals","confidence_score":0.04698907}]},{"text":"I'm obviously here to make my recommendation. But if you don't feel that that best Yeah.","start_word":13042,"end_word":13057,"intents":[{"intent":"Recommend options","confidence_score":0.010929845},{"intent":"Provide recommendation","confidence_score":0.0035537346},{"intent":"Recommend options","confidence_score":0.0001370071}]},{"text":"Well, in terms of that, that is, like, the gist of most obviously, I could go a bit more into the alternatives Oh, yeah.","start_word":13118,"end_word":13141,"intents":[{"intent":"Discuss alternatives","confidence_score":0.38601685}]},{"text":"and the the advantages and disadvantages, but that is, like, the the superannuation, the investment side of things, and the insurance side of things with the touching on the the salary sacrifice part. So the main Yes.","start_word":13142,"end_word":13178,"intents":[{"intent":"Emphasize benefits","confidence_score":0.010953943}]},{"text":"And then the adviser fee is at 1.1.","start_word":13251,"end_word":13258,"intents":[{"intent":"Discuss fees","confidence_score":0.03027485}]},{"text":"That $3.09 $3.","start_word":13298,"end_word":13300,"intents":[{"intent":"Discuss costs","confidence_score":0.05299077}]},{"text":"02 is that annual premium, and then the 22% premium is what we get from the insurer premium. That's not an additional cost to you. That way, you get remunerated for maintaining that policy.","start_word":13302,"end_word":13335,"intents":[{"intent":"Disclose policy details","confidence_score":0.03527059}]},{"text":"we that clear your policy in force. Once that's canceled, the remaining of the twelve month premium that you have paid, you get refunded to your account from that Neos policy as No problem.","start_word":13661,"end_word":13694,"intents":[{"intent":"Clarify policy","confidence_score":0.006705141}]},{"text":"Once that's canceled, the remaining of the twelve month premium that you have paid, you get refunded to your account from that Neos policy as No problem.","start_word":13668,"end_word":13694,"intents":[{"intent":"Refund premium","confidence_score":0.038871657}]},{"text":"you confirm after that that you've nothing's changed in regards to your circumstances or asset liabilities, the SOA is still fine, Yes.","start_word":13814,"end_word":13835,"intents":[{"intent":"Discuss soa","confidence_score":0.0085050585}]},{"text":"you confirm after that that you've nothing's changed in regards to your circumstances or asset liabilities, the SOA is still fine, Yes. then if you got another 30 after that. So even if you push that right out to see how Ben Long's tracking and then having another conversation towards the end there, more than more than happy with that. You can just get it booked in as well. No problem. Thank you.","start_word":13814,"end_word":13886,"intents":[{"intent":"Discuss benedict changes","confidence_score":0.00018172973}]},{"text":"Again, apologize if you ever feel like you got the most out of service so far, but hopefully that changed moving moving forward if you're happy to stay with us there. No worries.","start_word":13934,"end_word":13966,"intents":[{"intent":"Apologize","confidence_score":0.122137375}]}]},"sentiments":{"segments":[{"text":"Hello. Zoran speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04732133448123932},{"text":"Good afternoon, Zoran.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.3983239531517029},{"text":"It's Carl calling from OQ Financial. How are you today?","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.24687740206718445},{"text":"Good, mate.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.4183920919895172},{"text":"How are you? Yeah. Not too bad at all.","start_word":18,"end_word":26,"sentiment":"neutral","sentiment_score":0.28971147537231445},{"text":"Thanks.","start_word":27,"end_word":27,"sentiment":"positive","sentiment_score":0.6183253526687622},{"text":"I had you scheduled in to go through that statement advice today. Is now still a good time? Yeah. Yeah.","start_word":28,"end_word":47,"sentiment":"neutral","sentiment_score":0.2484482377767563},{"text":"Definitely it. Brilliant.","start_word":48,"end_word":50,"sentiment":"positive","sentiment_score":0.5179175138473511},{"text":"Just before we jump into that one, Zoran, if I could just pass you through security with that name, date of birth, and current address, we'll get stuck into that today. July 11. 731098 Miles Avenue, Waters Bay, New South Wales 2282.","start_word":51,"end_word":92,"sentiment":"neutral","sentiment_score":0.11485695093870164},{"text":"Perfect. Thanks for that one, Zoran.","start_word":93,"end_word":98,"sentiment":"positive","sentiment_score":0.5967055559158325},{"text":"Now just before we jump into the actual statement of advice, can I just confirm in regards to, like, your assets and client details that nothing's changed since we, like, originally started the process and gone through everything and created the document? Everything's largely unchanged. Yeah. Life is unchanged. Still in the same job. Still got some savings in just, yeah, in a normal account sort of thing. And yeah. Yeah. I've started salary sacrificing a lot more. I think I'm putting in, like, something like close to maybe twelve, thirteen thousand per year extra sort of thing. I'm trying to stay on the 30 sort of that's about it. Yeah. Perfect. We did include that in the the statement of advice in regards to that salary sacrifice because I didn't know you wanna get close to the the cap there, and we just threw the numbers into that to show you what that sort of looks like. Obviously, you started contributing a bit more in the the time that since we spoke as well. So, yeah, just be mindful. Go under myGov if you're ever unsure and just double check the cap space you have there. Yeah. Yep. No problem. Perfect. Now I am going to send you out a document, and then that will be going to your email there, and that will be zedoknic@yahoo.com.au. Is that still correct? Yeah. I don't have access to computer, like, at the moment, like, on the phone. Is that gonna be issue? Or So what I can do is because you can't see the document in front of you, and I don't wanna just speak at you for for forty five minutes, I can send it to you. I can give you a brief overview of the sections, what's in it, and the sort of compliance side of things. And then you can go away and have a read of it when you get a chance and then come back with any questions you might have or any sort of queries in you might have or any sort of queries in regards to the document, if that's alright.","start_word":99,"end_word":455,"sentiment":"neutral","sentiment_score":0.041360864088367096},{"text":"Sure. Perfect. I'll just send that now so that to be with you there shortly.","start_word":456,"end_word":470,"sentiment":"positive","sentiment_score":0.580929696559906},{"text":"So within that one as well so the way the new Odoo works, I'm not too sure if you've completed one of those. I think you might have with your annual review with your tax file number and everything. It'll send you an email. It'll have some supporting documents, and then it'll also have a signable documents link. Now within the signable documents link will be the the statement of advice, your ongoing service agreement if you're happy with the the advice, and then also happy to stay on for the next twelve months, and then also the insurance quote in regards to if you were happy with the recommendation. As part of the supporting documents there, you'll obviously have the new Oakview Financial Services Guide and the Financial Services Guide there as well. In addition to that, you'll also have the PDF documents for the recommended products for your your superannuation that you'll be retaining from the recommendation and then also the suggested insurances there as well. In addition Yep. to that, you also have the the appendix and a copy of the statement of advice as an attachment in that as well. So and in that appendix too, you'll be able to see much like the report we did between, like, your a new and existing Neos policy. We did one of those for you as well between the recommended existing policy as well to show you what the features and gain and loss will be for that one, much like we went over before. Yep. So in regards to the document, obviously, there's a best interest duty there.","start_word":471,"end_word":741,"sentiment":"neutral","sentiment_score":0.16034133732318878},{"text":"If it wasn't gonna put you in a better position, we wouldn't make the recommendation.","start_word":742,"end_word":756,"sentiment":"negative","sentiment_score":-0.4950107038021088},{"text":"That's what we're bound by as financial advisers. Now in regards to the scoping of the advice piece there, it is quite simple. We're just looking at the superannuation and personal insurance side of things and the salary sacrifice. As far as what's not considered, we had a conversation about retirement income needs, your state planning, budgeting. In regards to everything as well, you were happy with sort of just seeing how far away you might be in a bit closer to retirement as it's, like, fourteen years away from when you sort of wanna hang up the boots. It's a bit far to project into sort of draw downs and things like that.","start_word":757,"end_word":870,"sentiment":"neutral","sentiment_score":-0.07269483804702759},{"text":"As far as your estate planning matters, you are happy with what you've got in place there. Your your will's up to date. Your beneficiaries are good. And then with your budget and savings there as well, I know you're paying down that little bit a supplementary home loan you took out for renovations, but otherwise, you're largely debt free and saving quite well.","start_word":871,"end_word":934,"sentiment":"positive","sentiment_score":0.5010523796081543},{"text":"Yeah. In regards to investments, I know you might sort of particularly look at sort of investment at Super given how things are going in the near sort of few years, but you didn't wanna at this point in sort of circumstances see if things change. And then I know you discussed the whole property and sort of where I'm in the iron with that as well, and that's still a possibility potential for the future. But at the moment, you have Yeah. put a Yeah. hold I haven't moved on that really. on I'm just being bit of a yeah. that In limbo with everything. as I just want to let you know, I just picked up my well. partner's computer. So I was able to log in to the email. So I can see actually one, two, three, four, five, six, seven different documents here. So Yep. I keep So that looking that will at be the it. Yeah.","start_word":935,"end_word":1095,"sentiment":"neutral","sentiment_score":0.02935284562408924},{"text":"the supporting as well as the, yeah, the so if you click on the statement of advice, you'll be able to follow along with me and have a look at the sections I'm talking about there for you as well, Zoran.","start_word":1096,"end_word":1136,"sentiment":"positive","sentiment_score":0.3581809103488922},{"text":"Open up a device. Yep. K. I'm just waiting for it to open.","start_word":1137,"end_word":1149,"sentiment":"neutral","sentiment_score":0.10632241517305374},{"text":"It's not happening this year.","start_word":1150,"end_word":1154,"sentiment":"negative","sentiment_score":-0.4357261657714844},{"text":"Might just take in a second to to load up there. As I said, in regards to scoping, it gives you, like, sort of what your goal and what you want to achieve and then the reasoning behind including it in the advice piece or not. So you'll be able to see that on the first few pages just while that's loading up. Feel free to have a read through those as well. I won't dwell on them too much. But while that's loading as well, I'll give you the gist of what statement advice is there, Zoran. So with the recommendation in the simplified version is we're gonna look at retaining your net wealth account just due to capital gains that may apply for moving your funds from your one platform to another. You'd have to pay down the entire capital gains that's liable. Whereas if we just do an adjustment, you don't have to pay that full amount in So addition you're to talking about the the ones that have gone down, the shitter? that so Alright. with with the platform net wealth, so you can move superannuations, like, to a different platform. And then with that one, there's still capital gains on that even though you've had a few investments that took a bit of a backwards step and, like you said, quote, unquote, went down the shooter. There's still ones Yes. that have made money over the time you've been on board there as well. So there is a tax liability on your account I if you were to sell down everything to cash. So that's why we're looking at retaining the net wealth.","start_word":1155,"end_word":1432,"sentiment":"neutral","sentiment_score":0.10185529291629793},{"text":"Not only is it still a competitive product and am. you're able to utilize it for the purposes of having a retail fund and sort of modifying the investments and doing things, like, in the future with your superannuation retirement strategies. You don't have to pay that capital gains.","start_word":1433,"end_word":1481,"sentiment":"positive","sentiment_score":0.5636819540237894},{"text":"And then with that, we'll be looking at changing those underlying investments, like you said, to eliminate the ones that aren't performing well for you. Now with that as well, we did have a look at the salary sacrifice, what you were contributing versus what would get you to the cap and showed you that in the what you were contributing versus what would get you to the cap and showed you that in the table to what that looks like. Obviously, you've been doing it a little bit longer, so feel free to take those figures with a grain of salt because they may differ from what you've already been contributing given the amount that you've already increased. So always double check your myGov to make sure that you're not exceeding that 30,000.","start_word":1482,"end_word":1615,"sentiment":"neutral","sentiment_score":0.16254229843616486},{"text":"And then we're recommending you apply for life total permanent disability and income protection with the insurer called ClearView paid for that Netwealth account much like your.","start_word":1616,"end_word":1642,"sentiment":"positive","sentiment_score":0.34645920991897583},{"text":"Okay. So Can you I've just opened this document. Sorry.","start_word":1643,"end_word":1652,"sentiment":"neutral","sentiment_score":-0.026327548548579216},{"text":"The computer is really slow.","start_word":1653,"end_word":1657,"sentiment":"negative","sentiment_score":-0.522232174873352},{"text":"I don't know why. But, yeah, I've managed to open this.","start_word":1658,"end_word":1668,"sentiment":"neutral","sentiment_score":-0.19401118159294128},{"text":"I'm just the the pages are really slow to load.","start_word":1669,"end_word":1678,"sentiment":"negative","sentiment_score":-0.37423524260520935},{"text":"Scope of advice considered. So that's where I've got economy. Yep. So the Yeah. the considered part was always his super insurance and salary sacrifice, which we are addressing in this piece. And then Yeah. that section below that, there is a limited advice warning as well to tell you that, basically, the areas that we're addressing is just that super insurance and the also the salary sacrifice. The rest of the areas, we're just accountability partners for, basically. We're aware of your goals, but we haven't put any strategies in place in regards to that, if that makes sense. Yep.","start_word":1679,"end_word":1779,"sentiment":"neutral","sentiment_score":-0.018473194912075996},{"text":"Perfect.","start_word":1780,"end_word":1780,"sentiment":"positive","sentiment_score":0.4734376072883606},{"text":"On page eight there, you'll be able to see just the about you section. That'll just have your details there as well. So feel free to double check those, make sure that's all accurate and up to date. Same with the next page over. You'll be able to see your assets and liabilities as well. 678. On PiJite. Did you say sorry. Oh, that's 57. Right. Yeah. It's on 52783. Not sure. Yeah. The details look alright. Yep.","start_word":1781,"end_word":1858,"sentiment":"neutral","sentiment_score":0.1298861713745655},{"text":"Perfect.","start_word":1859,"end_word":1859,"sentiment":"positive","sentiment_score":0.4563431739807129},{"text":"Yeah. Next page, there will be those assets and liabilities, and I understand some of those may have changed just a little bit given the timeline, but they should be largely accurate. It won't affect the advice piece much at all. So from that as well, the page over to page 10 there, you'll be able to see your current position, your net wealth account, and then the insurances you do hold with the life CPD and income protection there and the price you do pay for those. So it was creeping up there. I know you wanted to review that. Now getting on to page 11 there, Zoran, you'll notice that there is a risk profile. You score that high growth. You'll still be invested in that high growth, that ninety ten split. Moving forward, given the time horizon that you do have till retirement and the active sort of portion that you want to have towards growth there. Are you still comfortable with that, Darren, being a high growth investor? I don't know.","start_word":1860,"end_word":2034,"sentiment":"neutral","sentiment_score":0.09412418305873872},{"text":"What what do you guys suggest? Like, I'm I'm a little bit like I'm not happy. Is does high growth mean, like, I'm not I don't understand this.","start_word":2035,"end_word":2062,"sentiment":"negative","sentiment_score":-0.45985379815101624},{"text":"Like, why did we bunch, like, 30 something percent of my whole super into that one fund, so that equity fund. Does that mean, like, when you're in a high growth that that's what they do? Or can you explain me that?","start_word":2063,"end_word":2104,"sentiment":"neutral","sentiment_score":-0.24932363629341123},{"text":"I don't get that. Like, if I say, yeah, I'm happy to be in a high growth, I don't want everything, like, lumped into into one thing and then one egg gets one broken lumped, like yeah. I'll lose a lot of money sort of thing.","start_word":2105,"end_word":2150,"sentiment":"negative","sentiment_score":-0.4536779224872589},{"text":"Yeah. No. I completely understand where you're coming from in regards to that. So, obviously, I can't, like, sort of justify I what happened previously to me because I wasn't the adviser think that Ken. reckon Like, yeah. No. Yeah. I understand, I think sir. I was Like dealing directly with Savvy back then. So surely, he can explain why we've done that. I would like yeah.","start_word":2151,"end_word":2217,"sentiment":"neutral","sentiment_score":-0.17297738256739148},{"text":"explanation because I'm I'm still a little bit pissed off that, like, there's 32% almost in those funds. Like, I don't know why who made that decision.","start_word":2218,"end_word":2244,"sentiment":"negative","sentiment_score":-0.47185176610946655},{"text":"I they asked me if I would like to be in high growth. I said, yeah. At the time of of my life when they asked me. Yeah.","start_word":2245,"end_word":2272,"sentiment":"neutral","sentiment_score":-0.2077372521162033},{"text":"But I didn't realize they were gonna just put kind of all eggs in in in one basket with with that.","start_word":2273,"end_word":2293,"sentiment":"negative","sentiment_score":-0.4000752866268158},{"text":"Yes. So yeah. I understand what you're you're saying there, Zoran. So as like I was saying, sorry. In regards to the conversation that occurred previously, I can't sort of, Yeah. like, because Yep. that between you and the adviser that had those conversations. If I was just saying anything, it would obviously just be you know, I can generalize in terms of that. So with in regards to if you wanted, like, active management to try and outperform that market, you can have a lot more management risk when going down that route. Like you said, you're a bit more one eggs all eggs in one basket sort of thing in terms of that active managed risk. Now in terms of high growth itself, it doesn't mean that you have to carry that manager risk, which is what we're moving away from or I was moving away there from you given what occurred and what was happening there. So with that one there, I am looking at removing the active portion entirely. So even then, you do have a 30% weighting there as well, but that's for the S and P 500, which is the index, the top. Yes. There Yes. is yep. So with that as well, so you'll have the 35% in that key index fund, and then you'll have 25% another index fund in Australia. So you'll still have a large percentage weighing in the core of your portfolio, but that's not an active management moving forward.","start_word":2294,"end_word":2544,"sentiment":"neutral","sentiment_score":-0.08673311968842351},{"text":"Now I understand that what happened previously, you're not too happy with that with that moving forward. We're not gonna have any active managed funds.","start_word":2545,"end_word":2569,"sentiment":"negative","sentiment_score":-0.4595729410648346},{"text":"We're moving index as we approach moving forward, so you won't have that management risk. You'll have a lower investment cost moving forward. And then the key holding weightings are in the indexes.","start_word":2570,"end_word":2602,"sentiment":"neutral","sentiment_score":-0.04402431473135948},{"text":"So it would have to be that the S and P 500, that market index was performing badly for your portfolio to be performing badly. That's not to say that they've made any sort of bets against the market in that. That just means the market as a whole isn't performing too great for Yeah.","start_word":2603,"end_word":2657,"sentiment":"negative","sentiment_score":-0.4545869529247284},{"text":"those to Yeah. not be performing, Not if not that makes not sense. really, but yeah. I I would still like someone who I know you're saying it wasn't you who made those decisions back then and Yep. didn't have those conversations with me, but can somebody even, like, can explain to me, like, like I said, I don't know. Like, I I transferred from Super, like, Industry Super to you guys. I've been with you, I don't know, five or six years now. I'm Yep.","start_word":2658,"end_word":2743,"sentiment":"neutral","sentiment_score":-0.17766496539115906},{"text":"really not seeing much benefit except for, like, paying high fees. Like, I feel like there's a lot of excuses all the time.","start_word":2744,"end_word":2766,"sentiment":"negative","sentiment_score":-0.5091138482093811},{"text":"And I know there was a COVID and this and that, but, like, now this with like, I don't know how my supate's managed. Like, I don't know what's managed there when I don't know.","start_word":2767,"end_word":2801,"sentiment":"neutral","sentiment_score":-0.29427823424339294},{"text":"Just made a huge loss.","start_word":2802,"end_word":2806,"sentiment":"negative","sentiment_score":-0.4767588973045349},{"text":"Like Yes. So and so this fund, like, with with the with the Benelon. Like, it wasn't like it crashed last November or whatever and because of the the corporate traveler.","start_word":2807,"end_word":2837,"sentiment":"neutral","sentiment_score":-0.26506295800209045},{"text":"It's been underperforming for for a lot longer than that. Like, so if that was the case, why wasn't something done about it? Like, why wasn't our boss say, hey.","start_word":2838,"end_word":2867,"sentiment":"negative","sentiment_score":-0.435720294713974},{"text":"Would you still have to make any changes? Are you comfortable with this?","start_word":2868,"end_word":2880,"sentiment":"neutral","sentiment_score":-0.1763347817155031},{"text":"Or, like, I had no advice on that.","start_word":2881,"end_word":2888,"sentiment":"negative","sentiment_score":-0.3548327088356018},{"text":"That's what Yeah. I'm asking. I don't know if that's how it works with with you guys, but, yeah, I would have thought somebody would have maybe mentioned something So because as a and a minimum, generally, there's on it's like, during those annual reviews, it's they go over the performance in your portfolio. I do apologize if that's not what you've received previously or the people that you have spoken to previously haven't given you the insights on what was actually happening with those investments. Obviously, you know, I've come to the domain. I've I've pointed out, you know, things previously that you may have not been told. So I do apologize for for Yes. being fair of bad news.","start_word":2889,"end_word":3009,"sentiment":"neutral","sentiment_score":-0.0956147238612175},{"text":"But, obviously, moving forward, I'm trying to put you in a position to, obviously, to to grow there and give you, like, the full spread of what's actually happening within your superannuation, Yes.","start_word":3010,"end_word":3042,"sentiment":"positive","sentiment_score":0.37825825810432434},{"text":"which every 12 months, they're meant to be going over the portfolio itself, giving you a bit of a rundown of what's happening.","start_word":3043,"end_word":3065,"sentiment":"neutral","sentiment_score":0.22429564595222473},{"text":"Obviously, as I said, it's been a long that has been slightly under performing, but not to a point where, you know, you might give up on it.","start_word":3066,"end_word":3093,"sentiment":"negative","sentiment_score":-0.34235331416130066},{"text":"Obviously, they're long term convictions generally. It's only until that corporate traveler that they've decided that they don't have conviction in that moving forward for this, obviously, investing in those high growth portfolios, that eight to ten year time frames. Like you said, with things like COVID and that, there were those sort of mixed years. Yeah. And then with the portfolio construction previously, as I said, it comes down to the discussion you did have with your adviser when going into those funds. So I can't I'm not gonna just make something up to try and justify it. But just generally in terms of, like, going that if you want those high risk, high returns, you know, trying to bet a bit more to try and outperform that market, that is the risk you take. Whereas moving forward from what you've, like, told me and what you wanna achieve and the level of risk that you do wanna hold, we're looking at removing that active portion and then just having a higher allocation still to those growth assets, What but does not that trying mean to inactive out portion? I'm sorry. I don't understand a lot of these terms. That's one thing not a so problem. the yes. Sorry. The the active portion, like, the active managed funds like that, Benelon, you have a fund manager trying to outperform the market. Whereas index is just like if you have the S and P 500, it's the top 500 companies in America. Now if a company gets bigger, it can go up into the 500 and make its way in, which means it's part Yes. of the investments that you hold. If it does poorly, it falls out of that top 500, which means you don't have that investment as well. Now it's it's still, like, kinda fluid in that sense that it is adjusting to the companies that make it in and out of that 500, where a fund manager will depending on how they view sort of success and growth, whether it be valued or profit driven, they will be just select picking certain funds and certain companies, not just dependent on size or market value to Yep.","start_word":3094,"end_word":3463,"sentiment":"neutral","sentiment_score":-0.05133659521470199},{"text":"see if they can outperform that, get those higher returns.","start_word":3464,"end_word":3473,"sentiment":"positive","sentiment_score":0.36770740151405334},{"text":"Basically, you're essentially trying to pick the winners and losers out Yep. of a bunch, and that's what your fund that you were in was trying to obviously pick the winners and losers and try and make a higher return.","start_word":3474,"end_word":3513,"sentiment":"neutral","sentiment_score":0.11544866859912872},{"text":"Now since COVID, they haven't been doing fantastic, and they had that corporate traveler which caused them to really go downhill.","start_word":3514,"end_word":3534,"sentiment":"negative","sentiment_score":-0.3685000538825989},{"text":"But that is that management risk that I was talking about, and that's active management within that with that managed fund trying to outperform that market. A I see. it's a bit less of a a gamble as they like they say, because you're not sort of trying to outperform it. You're just trying to follow what the markets are doing.","start_word":3535,"end_word":3595,"sentiment":"neutral","sentiment_score":-0.09050913155078888},{"text":"And with index investing, it comes at a lower cost and that the markets are doing good, your investments are doing good.","start_word":3596,"end_word":3617,"sentiment":"positive","sentiment_score":0.3832105994224548},{"text":"If the markets are stalling just a little bit, it may not see as much growth because you're not trying to outperform it. You're not picking the few winners in those downturn sort of times as the market as a whole.","start_word":3618,"end_word":3658,"sentiment":"negative","sentiment_score":-0.4280280172824859},{"text":"Yes. But it does see a little bit less volatility like what occurred previously with your fund there, if that makes sense. I think so. Can I just ask you, sir, with this moving forward, so you're suggesting to to reshape things slightly, like, to to move it out of active funds, all that? But Yep. does that mean, like, crystallizing the loss and and moving forward? Or is that what that means? Like, I'll be accepting that. Yeah. Yep. So that would be accepting loss. So with that update there as well, we would be looking at removing a few investments there and adding a few investments and removing that Benelung there. So the other option, like I stated previously, is to leave it and see how they rebound, but the company as a whole is saying to move away from Bennelong just given the circumstances and given the economic outlooks of the the fund. Now Is that that's folks you're you're talking about? You're moving away yep. from there? Okay. The the investment committee has made a decision that they will be moving away from that fund as it sees fit, like, in terms of clients coming up for their annual reviews. Now, obviously, at the end of the day, it is your decision whether or not you wanna move out and crystallize that loss because for you, it's more than most with that higher allocation that you've stated previously, and then waiting to see how they do recover or taking that loss and crystallizing it and just moving forward, from that. What what like, if I say I would accept the loss, like, what am I looking at? Like, in the figures, is that possible to be sort of summarized? Or is that not not something that's I'll not clear? I'll generate a port from inception and see what it's down since inception.","start_word":3659,"end_word":3974,"sentiment":"neutral","sentiment_score":-0.0983172636567556},{"text":"Thanks, mate.","start_word":3975,"end_word":3976,"sentiment":"positive","sentiment_score":0.4222608208656311},{"text":"No. It's not a problem at I'm all. just trying to understand all this so I Yeah. could do No. this is I can a lot of things that you're talking about.","start_word":3977,"end_word":4008,"sentiment":"neutral","sentiment_score":-0.1470007598400116},{"text":"I I I'm very, yeah, sort of, uneducated about, like, some terms I don't understand and stuff.","start_word":4009,"end_word":4025,"sentiment":"negative","sentiment_score":-0.4144633710384369},{"text":"So that's why I'm asking a lot of questions. I apologize. Yeah. no. It's not a problem at all, Zoran. Like, that's that's our job at the end of the day.","start_word":4026,"end_word":4056,"sentiment":"neutral","sentiment_score":-0.1842925250530243},{"text":"I I feel bad. It's sort of that I'm the one throwing all the information at you when it's sort of been, like, a bit of a slower drip feed for you, and then you've Yes.","start_word":4057,"end_word":4092,"sentiment":"negative","sentiment_score":-0.3707009255886078},{"text":"probably been across it a little bit more. So I do apologize for that. Now in terms of since inception, bear with me here. So the reason you had such a high allocation too is I can see here that there was previously two separated funds. So you had the Benelon Australian equities fund and a concentrated equities fund. And then with that, it seems at some point, either one fund's closed or it's consolidated, and it's just become the one investment there. Now with that as a whole, in terms of the negative returns since inception, so Benelon Australian Equities was sitting at a negative 6.77 since inception. So it's looking at around a seven looking at. Okay. But it feels like when I look at my year today, like you say, if I look from today's date back twelve months, it feels like my my balance is exactly the same to what I had twelve months ago. But then I put in, like, say, $25,000 at least. And also that means there was no gains or anything. So it's a lot more than $7,000, it seems. Yeah. Seems in that since inception, the report there, so that may differ slightly. So in terms of, like, the dollar figure, it went up and down in the thing. It's close to, like, a $25,000, like, movement, which is what Yes. you're you're seeing there. Now with that, obviously, some of that comes like you had some, like, growth in there, and then it's gone backwards as well.","start_word":4093,"end_word":4349,"sentiment":"neutral","sentiment_score":-0.13639565312270988},{"text":"So that looks like you've lost a lot more in terms of, like, the up and the down.","start_word":4350,"end_word":4367,"sentiment":"negative","sentiment_score":-0.3776757717132568},{"text":"And like you said, with the the amount of money you put in, that's also going towards, like, those things like fees and as well in terms of that.","start_word":4368,"end_word":4396,"sentiment":"neutral","sentiment_score":-0.23553024232387543},{"text":"So, yeah, it did make quite a poor return in terms of that going down.","start_word":4397,"end_word":4411,"sentiment":"negative","sentiment_score":-0.6037613153457642},{"text":"Now that's not the loss over the past twelve months that you have to understand as well since inception. So in terms Yeah. of loss in the last twelve months, it's probably closer to 25,000 in terms of, like, the the down, which is why Yep. it's gone backwards so far. But in terms of, like, the growth out of Benelon that it's had since you've held it and then the backwards step, that's closer to, like, net $77,000, if that makes sense. Like, you're Yes. looking across Yes. the time since you've been onboard versus the last twelve months. And Dollar Figure in the last twelve months, probably looking at close to, like, a 25 backwards return in in terms of, like, that's why it looks so, like, And bad. is that all because of Enelone? All because of Dan along all the the other investments. Like, Hack has gone backwards a little bit and turns to, like, it's still up from where it was. Like, it's a bit of a market correction, which has caused it to go backwards a little bit, but that's not to be concerned. Like, they're looking at keeping hack. They have high conviction in hack, and it will be in your portfolio moving forward, so you wouldn't be crystallizing that loss. Okay. It's purely the Benelong that you're looking at crystallizing that loss Okay. So it'll be around $25,000 in my understanding. Alright? If we change things, like, if we move away from Benelon. in? As, like, from, like, the the return you did lose, but in terms of, like, the money you've put into it and then the return it's gotten, it's, like, closer to, like, a $7,500 loss from the investment, but that's over the course of you being on board. But, yeah, in terms of, like, the backwards step that occurred recently, it's like a $2,025,000 dollar, like, Mhmm. So as a change. like, if you were to give me advice, would you suggest that we maybe hang on to a bit longer to see if it's gonna rebound a bit more and recover something? Or do you think it's time just to move away from it? Like, I know you don't know crystal ball, but you know a lot more than I would with with what's happening with the market and stuff and and Yeah. where And where that's yeah. part of what I'd originally suggest is, like, you can wait that three to six months and see how it tracks and how it returns. We can keep a bit more of an eye and do sort of three month follow ups to see if you recoup some of that losses before making the change. Mhmm. But at the end of the day, I know sort of when we had the conversations, you just wanted, you know, you I'm sorry. So you're a little bit more worked out than you are now, and you wanted to just look at getting rid of it and doing something about it now, which is why I put something together that does exclude that. But if you decide that you wanna postpone this and hold off a few months there as well, and even if you did sign it and say hold implementation for three to six months until I say yes, that's an option there for you is to there's our yeah. We never wanna say, like, sell low, buy high. But in your case, it's a little bit more extreme than others because, one, it's the funds that was affected not in the sense of the market itself, but an underlying investment. And then, two, it's quite a significant portion for you.","start_word":4412,"end_word":5032,"sentiment":"neutral","sentiment_score":-0.08951818104383451},{"text":"But would that be smart strategy if I say, yeah, let's just move away from them and, like, crystallize the loss and stuff? Like, that that's a lot of money.","start_word":5033,"end_word":5062,"sentiment":"negative","sentiment_score":-0.3985329568386078},{"text":"So or or would there better be would you suggest a better strategy maybe to wait a few months and see how they go? Or, like, what's smarter sort of strategy as an investor? So there's a few people I've had a similar discussion with, and they've chosen to wait that three to six months. As I said, as a company, we are like, they've decided to move away from it just from their economic outlook of the fund.","start_word":5063,"end_word":5141,"sentiment":"neutral","sentiment_score":-0.16292861104011536},{"text":"But even if you were to wait that three to six months, you could be foregoing potential gains in another investment, or you could be sort of, you know, hurting yourself and it not moving much of the way anyway. Or it could rebound and you could get some of those losses. So it's sort of like even if it rebounded, like, sort of three to 4%, if you got that in another investment, you're sort of not really losing much because you're growing somewhere else. Whereas if it sorta stays stagnant too, given the the economic outlook of the fund, you could potentially lose out on potential growth even if it doesn't, perform too fantastic.","start_word":5142,"end_word":5257,"sentiment":"negative","sentiment_score":-0.4671446681022644},{"text":"So that's that's sort of your choice in regards to that one. Obviously, I made the recommendation of what you told me previously just to move away from it. But like you said, it is quite a large portion for you in terms of that. But in saying that if you put that what is remaining left in that fund somewhere else, you could be getting better returns because it is quite a So on top of moving away from it, I I would also be potentially paying out, like, capital gains on forever. They might be the switch which would be there and then, like, the loss you did make on Bennelong, it works out that I believe the the capital gains with the switch in investments that we did do, it doesn't work out to be a whole heap because it carries some of that forward. I'll just see bear with me two seconds where it is. Sorry. I'm jumping around this advice piece a little bit. That's alright. Yeah. So the the cost of changing up the investments works out to be around $540 with the loss you'd be taking forward. And then so which isn't huge. It would have been, like, in the thousands Yeah. if Benelon was up, if that makes sense, to make that adjustment. Yeah. Yeah. Yeah. Okay. Yeah. So it's the loss you sort of take now versus potential gains for the future. But like any sort of recommendation, the returns are the one things that aren't guaranteed. Like I said, with the, you know, the crystal ball, like you said, no one knows what is going to happen. But as a company, I can only know the investment direction is to move away from Better Long. But if you decide you do wanna hold that for that three to six months, there's no no harm in that as well if you do feel like it is gonna make a return. It did come back a few percent, and then it dipped it, like, again in terms of that one. And Yeah. I'll just double check where it's at now, so bear with me. What what what's it done since the actual things went down in November? Like, is it like, any recovery sort of thing? So and it took another dip today, actually. So with the the three month outlook, so when it went down in November there, it kinda hit a trough around that December, Jan. It came back a little bit in terms of, like, returning, and it was sitting around, like, a a negative five, and then it's dipped back down towards, like, a a negative 11 since that November crash in terms of, like, percentage returns. And the year to date, it did come back, as I said, a few percent, but then now it's it's taken another dip for the fund.","start_word":5258,"end_word":5742,"sentiment":"neutral","sentiment_score":-0.07868676025842883},{"text":"So essentially, if I stay, all the money that I'm putting in, I might be just, like, losing it basically by keeping this fund.","start_word":5743,"end_word":5766,"sentiment":"negative","sentiment_score":-0.3838055431842804},{"text":"Is Like, that you would be putting like, it would be allocating it per the original recommendation, which would given that it is down putting money into Benelon, which would in turn yeah. They keep a dollar We should figure be would on be backwards. going back yeah. Yeah. If it was to keep continuing to go backwards. Yeah. Yeah. Okay. Well, look, if if your advice, like you said, yeah, you put advice together and you think we should be moving away from it, then I guess, yeah, let's do that. Yep. So as I said, Zoran, feel free to have a a good read through it. It's valid Yeah. for for thirty days, and then it's valid for another, like, thirty after that as long as none Yes. of your details have changed. So feel free to even take that thirty days, read through it, Yes. see how it Yes. is tracking. You do have a link to all the investments in the recommended portfolio in the appendix as well. You can even have Okay. a little look at those, see how you feel about them. I know sort of, you know, it feels like you've been burned a a little bit with what happened with the Benelon side of things. So, you know, get yourself across it a little bit. Have a look at the past performance of the ones we are recommending. You know, even do your own little bit of research to make sure you are comfortable.","start_word":5767,"end_word":6018,"sentiment":"neutral","sentiment_score":-0.03851812705397606},{"text":"I don't wanna push you towards anything you don't feel like you understand or aren't comfortable with at the end of the day.","start_word":6019,"end_word":6041,"sentiment":"negative","sentiment_score":-0.43500885367393494},{"text":"Yeah. Yeah. So my understanding is, like, we'll be getting the Ben along and we'll be moving away from having that active management part and just using the 500, whatever it's Yep. So you still you hold called. the K. S and P 500 come currently, Yeah.","start_word":6042,"end_word":6088,"sentiment":"neutral","sentiment_score":-0.08060062026723902},{"text":"and it's doing quite well. It does increase that slightly.","start_word":6089,"end_word":6098,"sentiment":"positive","sentiment_score":0.5636477470397949},{"text":"It also puts you in BetaShares Australia two hundred, which is, like, the Benelong switch equivalent, if that makes sense. So that's an index fund for Australia because Benelong was an Australian equities. So you would be switching the Bennelong for majority going towards that beta shares Australia two hundred, which again is an index fund for the Australian market. You'll have a little bit of exposure in the world excluding The US. In a different fund, you'll have a defensive portion from bank hybrids, and then you'll be removing a couple of other investments and readjusting them slightly, Yes. which are all listed on page 16 there. You can have a little look and see what will be carrying forward, what will be selling down, where that allocation will be going as well. It'll also increase your allocation a little bit in gold, so so you'll have a little bit more in your alternatives as Okay. Yeah. And does that mean, like, moving forward, I would still stay in the high as a high growth? Or well. Yep. So it would still have the same allocation to growth assets. It just wouldn't have that active management in it. So you'd still have around that ninety ten split. I can even sorta tell you where you are currently as well. Sorry. I'll just scroll down to What it. does the ninety ten mean? Sorry. Roughly. So so the when I say ninety ten split, that's 90% in growth assets being high growth, like things like your Oh, shares, yeah. property, Yep. international versus, like, Australian. And then you'll have, like, your defensive portion, which includes some of your alternatives as well. And that's got, you know, things like those bonds I was talking about, and that's, like, things like Yep. cash fixed interest that in market turns as well. They just tick along slowly. They don't look to get massive returns, but then they don't lose much value in those economic downturns as well. The alternative asset is that gold. It works as a bit of growth versus defensive in terms of how the markets are going. You get capital growth out of it, and it is defensive.","start_word":6099,"end_word":6466,"sentiment":"neutral","sentiment_score":0.11685361486414204},{"text":"It holds its value and ticks up slowly as well.","start_word":6467,"end_word":6476,"sentiment":"positive","sentiment_score":0.5296337008476257},{"text":"So that's why it's an alternative.","start_word":6477,"end_word":6482,"sentiment":"neutral","sentiment_score":0.3228187561035156},{"text":"It gets a bit of both worlds. So high growth is ninety ten.","start_word":6483,"end_word":6495,"sentiment":"positive","sentiment_score":0.3420032262802124},{"text":"What's Yep. the the one if you go one step down on the on the risk sort of scale would be It would go down immediate? to a growth, and it would be Yes, about sir. an eighty eighty twenty split. Okay. Would that be a safe option for me perhaps with the years that I've got left in my, like, Well, given that even if you retired at 60, you still have nine years working life. in terms of, like, working life. So you have enough time to be, like, in a high growth even for at least the next sort of, you know, six to seven before you're thinking about winding it back leading closer to that retirement years. It just depends on how much growth you're sort of aiming to get out of your superannuation in that time frame because with that, you know, the expected returns are lower for growth than a than a high growth. But like I said too, depending on how the markets are going, nothing is sort of guaranteed. And sometimes, you know, growth can outperform high growth. High growth generally does over the long term, though, outperform the growth portfolio Yes. because it does has the higher allocation to growth assets. So, you know, in the short term, some years you might have the the growth performing better for a little bit less risk.","start_word":6496,"end_word":6728,"sentiment":"neutral","sentiment_score":0.1547255963087082},{"text":"But, historically, over that longer period of time, it does work out that, you know, having that higher allocation to those growth assets, if you do have high conviction and hold those assets, that you do end up with those higher returns.","start_word":6729,"end_word":6770,"sentiment":"positive","sentiment_score":0.355787992477417},{"text":"So expected return sort of, you know, sitting around the eight to 10% annually for, like, a high growth as, like, an expected annual return, hopefully, and then growth sort of sits more to us at seven to 9% expected Alright. So you you what you're saying is, like, I I should be okay to stay in the high growth till at least around age 60 or something and then look at maybe winding down a bit. return. Yeah. Well, given that you said you sorta don't wanna retire to the age of 65, maybe in a little bit longer, so that's that would be nine years in a growth portfolio, and then you could wind it back to, you know, say, like, a a growth or a balanced growth for those five years into your sort of sixties and then Right. preserve that balance a little bit more. But if you're not looking to take on as much risk given what's happened and you're happy to have a little bit less risk, we can look at a growth portfolio as well and wind it back a little bit now for you. But just Alright.","start_word":6771,"end_word":6965,"sentiment":"neutral","sentiment_score":0.15932715489314153},{"text":"given that you're you don't have much debt, you're working well, you're contributing well, and you're also contributing more to super, realistically, on the sides of, like, working life, you're working quite well and hard and contributing quite well.","start_word":6966,"end_word":7004,"sentiment":"positive","sentiment_score":0.44639408588409424},{"text":"So those are years that you still wanna aim for a bit more growth while you've got that that time Yeah. on your side. It's it's very hard to justify it when you do hit 60 and you go, actually, I want a bit more growth and increasing it then because that's when you're playing with fire a little bit. If you do have, like, a backward step what occurred now Yeah. Yeah. closer to that 60 mark in those sort of environments, then, yeah, it it's not very good. But in saying that's why we are looking at removing that active portion, which removes a level of risk, and you still Yep. have the same allocation to those growth growth assets. Yep. Yep. No. That's that makes a bit more sense. Alrighty. Yeah. But as as I said, have a a think about it. I Nothing will read set in it. stone. Yeah. Yeah. Have a have a good read through it and see how you feel about it. So in terms of, like, a high growth, there is a bit of information about a high growth investor as well and sort of the the equities that it it focuses on there. In short, the recommended I know we sort of jumped all over the shop a little bit there, but it's to retain that Sorry. net wealth. That was my question, Yeah. but I'm ready. Yeah. No. That that's fine. And change those underlying investments.","start_word":7005,"end_word":7251,"sentiment":"neutral","sentiment_score":-0.008304011287838824},{"text":"So with that one, you would be retaining net wealth. You'd be switching those investments if you were happy with it. Now with that, it is looking at sort of building a a stronger sort of longevity with your super and having that less market exposure, especially during these times with what's happening in the market. And then with that one as well, it is reducing the investment cost. So that is a guaranteed savings that you will be having moving forward as well with the word and take the investment because having active investment actually costs more, and sometimes it does actually underperform, which is a bit of a double edged sword in terms of, like, the risk you do take versus the return and then the cost that takes for that risk.","start_word":7252,"end_word":7385,"sentiment":"positive","sentiment_score":0.442474365234375},{"text":"Okay. But by, yeah, underlying change those underlying investments, maintaining that fund, you don't take on all the capital gains for that. And then you can look, given the loss that has occurred, switching up those investments and not paying as much capital gains to do so, which is why we decided to do, like, a full sort of portfolio, a little update there as well. Now you will be paying less fees. It does have historically a better track record just given the last five year rolling averages, but that isn't too hard with what happened with Benelon, unfortunately. And then it is in line with your risk profile still, and then it will remove that management risk from your investment there as well.","start_word":7386,"end_word":7510,"sentiment":"neutral","sentiment_score":0.07960277050733566},{"text":"As always, though, you there is a certain degree of risk that the recommended investments will not perform as recommended or sort of as the projection state because it is based on those those rolling averages there as well.","start_word":7511,"end_word":7549,"sentiment":"negative","sentiment_score":-0.36248958110809326},{"text":"But in saying that we have a bit more conviction in those index investments moving forward and their returns versus, like, the that you currently hold versus holding that, Yep. if that makes sense. Sort of. Yeah. I'm Yeah. I'm just looking at the on the page seventeen, nineteen, whatever. It's page 16. So that that shows all my investments there. Yeah? Yep. So that's everything total. So on the the left hand column, it labels everything, and you'll see the current weighting. Now the ones Yeah. up the top are the weightings of your current portfolio. You'll be able to see exactly what they're invested in. And then the few below that you're currently investing, they'll have a 0% waiting. Now with the changes, you'll see the buyers and sales. So we're looking at getting rid of Bennelong fully. We're looking at getting iShares Misky fully and selling those down and then adjusting the Japan back to the original waiting of around the 5%. So that's selling back down a bit. And then you'll be investing a little bit more into your S and P 500 Yes. I see moving, it. and then those top the bottom three investments are what the funds will be split between between selling down the Benelong and the iShares Misky. You'll be selling into the bank hybrids, which is that defensive portion, the BetaShares two hundred, and the All World excluding The US to make sure that you're not sort of geographically pinned to America or Australia there as well. It gives you a bit of more exposure outside of just, like, Japan as a third option in Europe. Yeah. Yeah. Yeah. No problem.","start_word":7550,"end_word":7830,"sentiment":"neutral","sentiment_score":0.11140207946300508},{"text":"Well, thank you. I'll I'll definitely I'll put him today at work, and I'll have a good read of it.","start_word":7831,"end_word":7850,"sentiment":"positive","sentiment_score":0.6010866165161133},{"text":"Yep. Not a problem at all.","start_word":7851,"end_word":7856,"sentiment":"neutral","sentiment_score":0.04099598526954651},{"text":"And my screen's just frozen a second there, so bear with me.","start_word":7857,"end_word":7868,"sentiment":"negative","sentiment_score":-0.36905422806739807},{"text":"I'll have to pull up a different copy of your statement advice to keep going through that with you. Apologies for that. That's okay. That's just gonna take a second to load back up. Going back down to page 16 then. Sorry.","start_word":7869,"end_word":7910,"sentiment":"neutral","sentiment_score":-0.1422377814804869},{"text":"Perfect.","start_word":7911,"end_word":7911,"sentiment":"positive","sentiment_score":0.548232913017273},{"text":"Yep. So on that one, you'll obviously see those buy sell trades. Now from the allocation so if you go to page 70 there, you'll be able to see what currently investing in terms of what your growth does defensive assets and alternatives. What page? Sorry. 17, the one just below that. 79. Yep.","start_word":7912,"end_word":7965,"sentiment":"neutral","sentiment_score":0.08717542141675949},{"text":"Perfect.","start_word":7966,"end_word":7966,"sentiment":"positive","sentiment_score":0.547148585319519},{"text":"Now the aim is to do that ninety ten split. So currently, you're around 90<unk> growth at around 5% defensive with the alternative assets there as well. Now moving forward, it'll be 87.8% in the growth and then around 5.2 in defensive, plus seven in the alternative. So as I said, like, it's very close to in terms of, like, the amount of growth assets you do hold that you remove that managed portion there, which reduces that Okay. risk state that you will hold. But Yep.","start_word":7967,"end_word":8054,"sentiment":"neutral","sentiment_score":0.1861418783664703},{"text":"you still have that higher allocation to those growth assets to try and get those high returns over that long term period, if that makes sense.","start_word":8055,"end_word":8080,"sentiment":"positive","sentiment_score":0.38661548495292664},{"text":"Yep.","start_word":8081,"end_word":8081,"sentiment":"neutral","sentiment_score":0.33193260431289673},{"text":"Perfect.","start_word":8082,"end_word":8082,"sentiment":"positive","sentiment_score":0.4977796077728271},{"text":"Below that, you'll be able to see what that looks like in terms of, like, the fees you'll be paying first the expected returns. As I said, it's to be taken with a grain of salt in terms of, like, the expected outcomes of this, but it just shows you based on the five year rolling averages what might occur. Now with the one that I'm sort of more focused on is the investment cost. So removing those investments and going more index approach there, you'll be removing a a lot of the investment fees that come with that. So it nearly removes $1,400 in terms of, like, investment costs you'll be paying each year, like, in terms of the investments you do hold, plus another Yeah. 160 or close to a 170 in terms of, like, other fees associated with those investments.","start_word":8083,"end_word":8225,"sentiment":"neutral","sentiment_score":0.1784820556640625},{"text":"So it does work out that you'll be saving in terms with all of that around the sort of $1,187 per annum.","start_word":8226,"end_word":8247,"sentiment":"positive","sentiment_score":0.491731733083725},{"text":"And the reason Yep. it's not higher is because you're contributing more, which means that your balance is gonna continue to grow, which means the adviser fee being percentage based means that that will go up slightly. But that's based on the projected return. So it's not the fee you'll actually be charged. It's based on, like, a year's worth of growth and things like that as well. So, Yeah. again, if the markets don't perform as well, you get charged off the balance you do occur, which as bad as it does sound even though that they did have a bit of a backwards turn in your fund, it means that we get paid less for what occurred as well because it is that percentage based with the outcomes there.","start_word":8248,"end_word":8377,"sentiment":"neutral","sentiment_score":-0.09082057069127376},{"text":"But the guaranteed savings there will help grow your superannuation balance because that will go towards the growth and not the investment, especially since they weren't performing too fantastic.","start_word":8378,"end_word":8406,"sentiment":"positive","sentiment_score":0.3796136677265167},{"text":"Yep. With the net with the contribution, I'm just looking on that same page. Was it page 18? Yep. Net contributions per annum. So sixteen seven six two, that's what the work contributes? That's without the voluntary contributions? Yeah. So Is that was that based correct? on the on, like, your employer contributions that you were Yeah. And recommended is what you recommending to, like, to get up to by adding another 9,800, like, through voluntary contribution? receiving. Yeah. So with that, it's it's net contributions as well. So you still get taxed in super and just not Alright. It as looks much, 15% or something. yeah, the 15% plus, like, obviously, yeah, going into that. So with that, it just works out to be, like, a little bit less even though you're aiming for that 34,000. You obviously get taxed as well going into that plus, like, whatever the growth going in as well. Okay. And I did you say I can check on the myGov how much I'm up to up to date with you, like, up to what the year is up to, sort of how much I've already Yeah. You should be able to see your contributed? contribution cap spacing for not only, like, this year, but previous five years as well. So Okay. if you were to exceed it, you might have some carry forward if you wanted to do something like that. Obviously, we can have a chat about that a bit later if it comes closer to tax, and you feel like you're gonna exceed it or wanna exceed it. If you do have that carry forward space, you can contribute more without getting penalized and taxed more. Okay. I'll have a look at the myGov. I didn't realize that you could do that. I know you've mentioned it once before as well, but I haven't looked at it. Okay. Yeah. So we can we can see, like, on your your account the, like, the total deposits that you've made and through the transactions. But, obviously, I can't tell when your employer is gonna make their their I can obviously see when it roughly might look like based on, like, what's occurred previously, but you'd have a bit more of an idea of when Yes. your employer is gonna put in your contributions and things like that as well and how much you expected based on Have your they have they changed the rules with that? It was, like, every three months and now it has payslip. to be, like, monthly or something? I believe it's only, like, every quarter they have to do it. So some people used to do it weekly. Some piece people used to do it monthly. I believe as a minimum, they have to do it quarterly in terms of, like, contributions at the moment, but it has, like, sort of changed every now and then, and that's purely because you can't just withhold a year's worth of contributions for a year and then dump it in all at once because that's a year's worth of growth your employee is missing out on that the employer gets by holding those funds. Now Yep. it does cost the employer every time they put money into super through, like, SuperStream. It does cost accounting wise to put money into to super that the business does have to pay, Yep. which is why a lot of employers don't do weekly contributions and things like that as well. They'll tend tend to do monthly or or quarterly. Yeah. A quarterly is that, like, a min a a minimum sort of you have to do it quarterly. Yeah. I believe so. At the moment, Yeah. it is, like, Okay. No worries.","start_word":8407,"end_word":9034,"sentiment":"neutral","sentiment_score":0.03403753467248219},{"text":"Perfect.","start_word":9035,"end_word":9035,"sentiment":"positive","sentiment_score":0.5599787831306458},{"text":"But do you have any questions in regards to that table at all? And just double check. Yeah. It is it is quarterly. Yeah. Okay.","start_word":9036,"end_word":9060,"sentiment":"neutral","sentiment_score":0.1086651086807251},{"text":"Thank you.","start_word":9061,"end_word":9062,"sentiment":"positive","sentiment_score":0.5253528952598572},{"text":"I'm just looking the last one, three year rolling average. So currently, high growth returns around 13.8. Right? Is that what that means? So the the three year rolling average yeah. So these are based on they're not exactly what would have occurred because it does, like, exclude certain events, so it doesn't carry across to, like, what occurred in your fund. But before phase, like, the that investment was like, that's the the five year rolling average. Now it doesn't sorta always work out what occurred in the fund. And, obviously, in your case, it didn't in terms of, like, what you did receive versus the cost you were paying, like, investment wise. But before Yep. you take into consideration costs and things like that, that's, like, the the return rate with the three Okay. year rolling average. And what what does recommended mean? $18.99 is that if we go with your advice, that's what it should That sort of look like. Like, that's, if you like, have that's a what I crystal said. Like, investments are meant to be taken with a grain of salt ball. because they're based Yeah. on what did occur. Like Yep. because if you go over the page as well, you can see, like, the the twelve months, three years, and five years. Now if you look at the twelve months report, you say you're doing that 1.2 before you take into account investment costs and things like that. And then that five years close to that 8.8 before you take into account fees, which is where you're sort sitting now given what occurred during COVID and things like that. Yeah. And then if you look at the twelve month and the three years from those index investments, just because the markets have been doing well in terms of, like even though they've been quite volatile with, you know, Trump playing around in the market, they've been ticking up quite steadily, which is why Mhmm. those index investments have been doing well. It's not always the case, which is why I say, like, take it with a a grain of salt. If the markets are doing well, then your index investments are doing well. But if the markets aren't doing too fantastic and has stagnated a little bit there as well, then Yeah.","start_word":9063,"end_word":9452,"sentiment":"neutral","sentiment_score":-0.0023896994976661144},{"text":"your your investments do slow with that as well.","start_word":9453,"end_word":9461,"sentiment":"negative","sentiment_score":-0.4617340564727783},{"text":"Alright. Yep. Alright.","start_word":9462,"end_word":9464,"sentiment":"neutral","sentiment_score":0.14215634763240814},{"text":"Yeah. We can keep moving.","start_word":9465,"end_word":9469,"sentiment":"positive","sentiment_score":0.4098258912563324},{"text":"Yep. Yep. The next section is just based on that salary sacrifice. So based on what we've got in your superannuation, you have around that $13,000 in concessional contribution cap remaining for the end of the year. Now if you go to page 21, you'll be able to see a breakdown in that table versus your employer Yes. pay contributions plus the the bonus, which we accounted for that four weeks pay there as well for your your salary just in case versus the the taxable income that you will be receiving. So you have your super employee contribution. So based on that, it's looking around the 15,637 salary sacrifice for the $100 a week is 5,200. With increasing that to reach the cap, you're looking at around the 15,000 in super and then 15,000 salary sack there as well minus the the tax going into your superannuation. Okay. As I said, those figures to be taken with a grain of salt based on the fact that you have already increased your contributions. So I would just, Okay. like, be mindful of that, like, in the next sort of few months, obviously, leading up to the end of the financial year, just making sure that you've accounted for all your pay cycles for your quarter to go in before making, like, your last contributions and So I should do I should be able to check that with my with work as well, like the account that works should be able to things like that. Yeah. advise They should me. you should be able to see on your play slip what Yeah. your super entitlement is, and then you Alright. could just ask accounting when that when that's a bit when they pay that so you know when that's gonna go in and what amount that is, and then just sorta add that to what you've got in your remaining cap space and make sure that based on your salary sacrifice that you're contributing as well that you're not gonna exceed that. Yep.","start_word":9470,"end_word":9811,"sentiment":"neutral","sentiment_score":0.09300893998285484},{"text":"No worries. Thanks. Not a problem at all.","start_word":9812,"end_word":9819,"sentiment":"positive","sentiment_score":0.41829800605773926},{"text":"And there is a a slight typo there as well. It's meant to be $14.04 8 for the salary sacrifice. Just a slip of the thumb, it looks like there. Because, Alright. obviously, your cap space is 30. So 15 plus 15 with some change there that you're sitting at 31. But as I said, the the figures are just to highlight what that sort of looks like in terms of what you're paying versus what you would be paying and that the outcomes tax wise in terms Yep. of, like, your take your take home pay and everything like that. So that's for that twelve month period, what that sorta looks like if you do contribute the full 30,000, if that makes sense. Yep. Yep.","start_word":9820,"end_word":9945,"sentiment":"neutral","sentiment_score":0.11889857053756714},{"text":"Obviously, the advantage of that, you're obviously taking advantage of that 15% tax rate.","start_word":9946,"end_word":9959,"sentiment":"positive","sentiment_score":0.45729613304138184},{"text":"It's investing given that you don't have much debt as well for, you know, your retirement, the end of your working life as well versus, like, having a retirement or investment outside of super that does form part of your taxable income. So you do form that tax benefit.","start_word":9960,"end_word":10008,"sentiment":"neutral","sentiment_score":0.22674629092216492},{"text":"The disadvantage is you've obviously locked that away into your immediate condition of the lease mainly.","start_word":10009,"end_word":10024,"sentiment":"negative","sentiment_score":-0.578140377998352},{"text":"Given that we could, you know, not do so, sacrifice, look at investment outside of super as well. Given that you're in a position there where you've got a nice amount of savings, don't have much debt, and the debt you do have, you could pay off if you wanted to. Yep.","start_word":10025,"end_word":10076,"sentiment":"neutral","sentiment_score":0.1296284943819046},{"text":"It just works out that you could still even have an outside super investment in the next few years, and you can afford what you're currently doing there as well. And you've got that cash buffer to not really have to worry too much as well Yeah. if But something given my given my and everything, do you think it's did a smart occur.","start_word":10077,"end_word":10140,"sentiment":"positive","sentiment_score":0.5544834136962891},{"text":"strategy to just keep doing salary sacrificing up to $30 thousand dollar account?","start_word":10141,"end_word":10153,"sentiment":"neutral","sentiment_score":0.2184116542339325},{"text":"If you can afford it, obviously, the benefit is come your retirement age, you get those like, obviously, if you get some growth out of it, you get that all tax free in terms of distributions.","start_word":10154,"end_word":10189,"sentiment":"positive","sentiment_score":0.41119149327278137},{"text":"The growth inside it still gets taxed at whatever, like, growth it earns Yes. and incomes it earns. But if you had an investment outside of super come, you know, retirement, if you put 50,000 or 30,000 a year, you know, investment outside of super, when you wanna draw that down in retirement, you still gotta pay the capital gains Yeah. on that. And then Yeah. drawing down on that income, you've always gotta pay tax and everything like that. Whereas through super, as long as you can afford to lock it away for that time line, you do have that added benefit of receiving Yeah. more of the funds tax free as opposed to to not and having that liquidity and access to it. But you do have a large portion sitting in cash as well Yeah. if you did need the funds for anything. No worries.","start_word":10190,"end_word":10337,"sentiment":"neutral","sentiment_score":0.12997183203697205},{"text":"Perfect.","start_word":10338,"end_word":10338,"sentiment":"positive","sentiment_score":0.522929310798645},{"text":"In terms of the insurance side of things, there's Zoran. So we're just looking at replacing your current policy with a a more comfortable cheaper option. So when going to market, there is well, we did find that if you applied for $300,000 of life and TB, that's 7,000 a monthly benefit of income protection, and a thirty day wait still on a five year benefit, And a thirty day wait still in a five year benefit period, it nearly cuts the premiums down there in half. So you're looking at more 2,500 per annum as a yearly premium opposed Yes. to the the 4,900 or close to 5,000 that you're currently paying there. Now it is a little less in terms of, like, the monthly benefit for your income protection, but given that you don't have Not much far. debt there as well, that would cover, like, your base expenses and things like that. Obviously, you still get taxed on that 7,000, but it makes it a lot more affordable.","start_word":10339,"end_word":10509,"sentiment":"neutral","sentiment_score":0.2073803618550301},{"text":"Fine. It brings it back down to that $300,000 flat as well, but you still have that thirty day wait and five year benefit period, which is still nice and comprehensive there for you.","start_word":10510,"end_word":10543,"sentiment":"positive","sentiment_score":0.5903158187866211},{"text":"Yep. You would just have slightly less coverage in terms of the benefit amount for income protection. But in worst case scenario, I'm assuming like, given your payments aren't probably huge on the loan that you pay for that No. redraw, And then your living expenses, if you are injured, you're not gonna be out partying on the weekends either. So in terms of that, you probably don't need to cover for much more than that anyway unless you were planning on, you know, taking a holiday to Mexico while you're on income protection claim, which I would highly recommend again because you'd probably end up off claim pretty quickly. Now with that one, we will be looking to cancel the Neos policy that you do currently hold. There is that features gained and lost there. It's mainly in regards to the TPD portion. So the ClearView, the main thing is you don't have the partial benefits. Like, that's claims for, you know, things like they Yep. cover for specific loss of limbs, things like that, where they'll pay out partial TPD, which you don't want have with the Clearview. But that's part of also paying less in terms of the yearly premium there as well. You do lose a little bit of those benefits, but the income protection's quite comparable in terms of what you're paying and what you're receiving. Yep. But as I said, I have a quick look through that appendix there as well. You can see it much like we went through previously in what you're gaining versus what you're losing. Can I start here quickly on the page 23, it says yearly premium? So that that's what the new premium would be, $2,506.07 Well, technically, it's $29.29 50, a basically. month. But Oh. with being inside super, Oh, you get the 15% rebate, which brings it down to the $2,500. that's how it works. Yep. Yep. I was thinking hang on. The the should that be the other way around? But I know what you mean now. Yep. Yeah. So the the one listed below is the higher one because paying outside of Super, you get that 15% rebate, Yep.","start_word":10544,"end_word":10908,"sentiment":"neutral","sentiment_score":-0.04564900226788978},{"text":"which is nice.","start_word":10909,"end_word":10911,"sentiment":"positive","sentiment_score":0.6439262628555298},{"text":"Yeah. And then, yeah, Yeah. you'd be canceling that Neos product there as Yes. well. The only difference that came out with that, Zoran so within regards to your current Neos policy, I know you did disclose you had a leg injury, but on the application, Yeah. you didn't mention that you had the tendon the tendon surgery. Now Yep. when we disclosed that with the update, it's looking like due to the surgery with the tendon, it would have been an exclusion on the Neos policy, which technically is a nondisclosure anyway, so it should technically apply to the Neos policy.","start_word":10912,"end_word":11013,"sentiment":"neutral","sentiment_score":-0.1323096752166748},{"text":"Now I'm not saying you did that maliciously by any means.","start_word":11014,"end_word":11024,"sentiment":"negative","sentiment_score":-0.35485124588012695},{"text":"You did mention that you had the leg injury. You just, like, didn't mention the fact that you had the tendon surgery related to that as well. So with that, you would have the men oh, I'm sorry? sure I've mentioned everything as like, everything that they've asked me. How would they otherwise know that I have a tendon replacement if I didn't mention it? No. We on the original policy, the Neos one back in '20 Yeah. '19, Yep. was it? You mentioned you had a leg injury, but it wasn't until you mentioned at the latest round of pre assessments we did with the insurers to look at insurances again that you Okay. had the the app. So with that, just given that like, obviously, it doesn't affect you in everyday life. It just means that moving forward, it'll be an exclusion. But, technically, it should have been exclusion on that current Neos policy. Okay. So Just it won't affect me going forward, what you're saying, because well, either, yeah, either way, even if you didn't go it's ahead with these insurance, it technically still should apply to the on Neos policy because they came back saying that there. it would be it would have been an exclusion, basically. When we didn't Yep. tell them, obviously, Yep. it was you when we did those pre assessments. It's a blind pre assessment. But when Neos looked at your profile, the fact that you had the leg injury with the surgery, they said that would result in a leg exclusion, Yeah. which means that it should apply to your current policy now. It just doesn't. Because I had a look at the previous like, the application you did way back then. You mentioned the leg injury, just not the surgery, Yeah. which which isn't an issue because we're looking at rewriting anyway. It just will mean that you will have that mental health exclusion and the leg exclusion. But even if we kept that Neos policy, we would have to probably go to them and say, hey. Discovered this. And they have the Yes. chance to basically say, oh, no. We don't want this policy anymore, or they'll just change it to have the exclusion. Or Yep.","start_word":11025,"end_word":11401,"sentiment":"neutral","sentiment_score":-0.14344194333812602},{"text":"you just don't tell them and you run the risk that if you hurt yourself with that tendon injury and try and claim on your policies, there's a chance So that they if I have yeah.","start_word":11402,"end_word":11437,"sentiment":"negative","sentiment_score":-0.3911076486110687},{"text":"That's why look.","start_word":11438,"end_word":11440,"sentiment":"neutral","sentiment_score":-0.16369937360286713},{"text":"I I don't might find know how that got excluded.","start_word":11441,"end_word":11450,"sentiment":"negative","sentiment_score":-0.3800313472747803},{"text":"It certainly it. wasn't deliberate. Like, I've I've had the injury. It was a yeah. It required a few surgeries and tendon transplants and all that. Like, I I answered the questions whatever they've asked me at the time, That's but yeah. I've had That's But that's what I'm if saying, they're on sir. forward Yeah. yeah. It's If if it's I not have an injury on this same leg, as long as it's not that tendon or to do anything to do with that old injury, I would be still covered even though it's on that same leg. But if it's exactly. totally So different if yeah. if you broke that leg in a car accident and you couldn't walk on that leg anymore, it's not excluded due to that reason. It's due to if That's anything alright. comes Yeah. comes from that tendon injury from previous surgeries or you have to go get another surgery. Like, Yeah. say, if Yeah. you had to take time off work because you had to go get the tendon refixed because something went wrong, Yeah. Yeah. you wouldn't be able to claim on IP or things like that. But any other injury nonrelated to that or deemed to be related to that injury, it's fine. It's still covered. I get that. Yep. No problem. Yeah. And as I said, it can they're quite worthy, those pre assessments too or, like, the application summary. So by any means, like, we've had plenty of people answer the questions truthfully, and it still comes back that it's potential nondisclosure because they put the thing down the bottom always any additional information. If you answered all the correction like, questions correctly, they could still sorta come back and be like, we asked any additional information you wanna give us, and you didn't give us x y zed, which they found out about later. So, you know, the insurers are always trying to get out of it by any means necessary. Yeah. Of course. So, yeah, by any means, I'm not saying that you've maliciously did that at All Zone, so you're Yeah. quite truthful I yeah. on your, yeah, your pre assessments and everything. So yeah. But, yeah, Yeah. the the fact of the matter is it will be an exclusion, and it would have been an exclusion on that nail policy anyway if as long as you're comfortable with that. Yeah. I am. Yep.","start_word":11451,"end_word":11859,"sentiment":"neutral","sentiment_score":-0.07357879132396726},{"text":"Perfect.","start_word":11860,"end_word":11860,"sentiment":"positive","sentiment_score":0.4732294976711273},{"text":"In terms of the cover amounts, obviously, I said it's a little less IP, but that helps with cost. That life and TPD portion, it's mainly just in the event that anything did occur to you. You do have those funds. Obviously, you do have quite a large balance in terms of super pardon me. And then funds outside of super as well in terms of, like, your assets. Yep. So we don't wanna be ensuring you could too much where you don't need that level of cover given that you're largely debt I'm free. comfortable. Yeah.","start_word":11861,"end_word":11957,"sentiment":"neutral","sentiment_score":-0.029918430373072624},{"text":"I'm comfortable with what you proposed. That's okay. Perfect.","start_word":11958,"end_word":11966,"sentiment":"positive","sentiment_score":0.46655189990997314},{"text":"In terms of, like, insurance through superannuation, obviously, there is a cost to that and the effect on superannuation balance. So the five and ten year impact, obviously, you know, again, taken with a grain of salt. But, you know, if everything was to recur year on year, it would show you just what that would look like versus having current, no insurance, or the recommended What does insurance that in mean? terms Sorry. of, I'm just like, looking the at that cost. page. It says 4,995 premium. What Yep. is the five year impact mean? So that's like minusing a premium from your growth sort of thing to show you what that looks like That's like versus a projected growth yeah. and With taking into account the insurance cost that's and, like, the performance as well. And then it fine. shows you the performance with the new insurance cost. Yes. As I said, you know, highly inflated figures by any means. I admit that. But it just shows you if everything based on, you know, the percentage returns, the insurance costs, what that might look like versus having, like, no insurance and the cost you're paying for that, if that makes sense. So when you say highly inflated, like, I shouldn't be looking at the ten year impact and think I'll end up with 1,880,000.00 or something like that. Yeah. Because, like, it's based on that three year average because, like, it only goes up to to three in terms of what we could project for that. And then to say that those same three years are gonna replicate for the next ten years, you'd be saying, like, the markets are gonna do the exact same thing back to back Yep. twice, basically, or three times, which Yes. are never gonna occur by by any means. Like, you look at any point of stretching history, like, it it rarely will go like that for that Yep. period of time, which is why I say, like, highly inflated because, obviously, it's been quite good for that index investment for those years that, you know, if they have a bad year, quite a stagnant year, that obviously affects returns and same with, you know, good years and bad years sort of thing. Those big what? Yep. Sorry. Fair enough. I just want to ask to, like, when I first signed with you guys, like, a savvy sit down and said, okay. So what do you where do you wanna be when you retire? What how much income would you be comfortable in today's dollars to retire on? Are we how do we how do we track that? Like, how do we know if we are still on that? Like, do you have that, like, plan still, like, in in the system? Or is that is that how it works? Or So with that one as well with that, like, expectation setting is one of it. And then to say to someone, you know, that's twenty years away from retirement that this is what you're you're gonna get, it is, like, with the world I know. and why It's things fine. are That's yeah. fine. Yeah. Yeah.","start_word":11967,"end_word":12501,"sentiment":"neutral","sentiment_score":-0.005344877308495691},{"text":"So we we obviously try and keep aligned with what you're wanting to achieve and trying to get you there, which is why we do these updates and things like that as well.","start_word":12502,"end_word":12534,"sentiment":"positive","sentiment_score":0.354533851146698},{"text":"Mhmm. But as far as, like, what you originally projected, I'd have to go back and have a look and see what that that look like in terms of, like, the figures to see if I I could see that.","start_word":12535,"end_word":12574,"sentiment":"neutral","sentiment_score":0.040792398154735565},{"text":"But we do have, like, your goal of what you're trying to achieve by retirement and the income in retirement, which is what more so I'm basing on. It's getting that sort of $1,700 per week in retirement and trying to get there.","start_word":12575,"end_word":12617,"sentiment":"positive","sentiment_score":0.504078209400177},{"text":"And as you get to get closer, that's when we start, you know, doing those drawdown calculators and seeing what that looks like and pushing out and stepping out what those drawdowns look like and how long that might last you and whether or not, you Yeah. know, we're achieving that goal or not. But to do that now when you're sort of fifteen years away from potentially hanging up the boots, you could work longer, you might not. Yeah. There's a bit bit too many variables there Yeah. that that I'm I'm not gonna include that in an advice document to say that, like, a Yeah. 100 Yeah. That's percent we're there. When a year from now, like, if the markets go great, you're above that goal.","start_word":12618,"end_word":12745,"sentiment":"neutral","sentiment_score":0.04021931812167168},{"text":"If it has a bad year, then you're below that goal sort of thing.","start_word":12746,"end_word":12759,"sentiment":"negative","sentiment_score":-0.3865167498588562},{"text":"Like, that's why oh, yeah. Yeah. I was more aiming to, like when I was asking that is, like, okay. I've been with you guys for five or six years. If things were, like, for the next five or six years similar and then or and going forward, are we looking like, yep, it's somewhere there sort of thing where we where we're heading or or not. That that's what I meant, if that makes sense. Yeah. You get within, like, the ten year mark of, like, your retirement. So if you are 55, that's when you can sort of start looking and projecting it a little bit more. It's still quite a ways out, Yeah. but it's not fifteen years away, if that makes sense. And then given Yes. that, like, obviously, you had the COVID run and things like that, which is a lot harder to predict for, so that has put you in a bit of a back foot. But you've still got plenty of working life behind Yeah. you in terms of that. And, you know, in the next five years, like, we might see how things go. Obviously, you do your annual Yes. reviews. If you do another twelve months from now and you're still really not happy with the service, you can go go above me and have a chat with someone else and see what you wanna do with things, whether or not you wanna move back to an industry fund or whether, you know, you wanna speak to a different adviser. I take no no offense. It's your money at the end of the day, Zoran, and it's whatever you wanna do with it.","start_word":12760,"end_word":13041,"sentiment":"neutral","sentiment_score":-0.005578758961237069},{"text":"I'm obviously here to make my recommendation.","start_word":13042,"end_word":13048,"sentiment":"positive","sentiment_score":0.38270482420921326},{"text":"But if you don't feel that that best Yeah. to Yeah. you, then I'm I'm probably not doing my my job that great anyway. So you can go to wherever you feel like you're getting the most value for your money or getting the what Yeah. you Yeah. expect Yeah. or what you want out of things. Okay. Yeah. Well, we we can keep going if you like. Yep. Well, in terms of that, that is, like, the gist of most obviously, I could go a bit more into the alternatives Oh, yeah. and the the advantages and disadvantages, but that is, like, the the superannuation, the investment side of things, and the insurance side of things with the touching on the the salary sacrifice part. So the main Yes. key points I do need to touch on there are just the the what we do receive. So the upfront, if we were to rewrite that Clearview, we do get 66% of the upfront premium for that. That's not an additional cost you pay.","start_word":13049,"end_word":13222,"sentiment":"neutral","sentiment_score":0.09880468249320984},{"text":"That's just what we get paid from the insurer for setting it up and going through that process of doing the application and setting it up for you.","start_word":13223,"end_word":13250,"sentiment":"positive","sentiment_score":0.3647094964981079},{"text":"And then the adviser fee is at 1.1.","start_word":13251,"end_word":13258,"sentiment":"neutral","sentiment_score":0.18681836128234863},{"text":"So moving forward there as well, you do have that 1.1% fee, which is nice that that got knocked down not too long ago at the end of last year.","start_word":13259,"end_word":13288,"sentiment":"positive","sentiment_score":0.4895310401916504},{"text":"So that'll Yep. also help in those ongoing costs. That $3.09 $3. 02 is that annual premium, and then the 22% premium is what we get from the insurer premium. That's not an additional cost to you.","start_word":13289,"end_word":13324,"sentiment":"neutral","sentiment_score":0.2264218827088674},{"text":"That way, you get remunerated for maintaining that policy. We're just happy to disclose it because it's something that we do receive. We don't get conflict of remuneration for many of our other investments, things like that. So everything that we get for managing your accounts disclosed there on page 32 in terms of the premium from the insurer that we get and then the advice fee we get from your superannuation as well.","start_word":13325,"end_word":13398,"sentiment":"positive","sentiment_score":0.44992756843566895},{"text":"Yeah. Alright. Yep. And then, obviously, if you were happy with everything, we would, in the back end, change those underlying investments for you. If you do wanna hold off a little bit longer there as well, feel free to let us know. We can hold off and see how Benelawn's tracking and implement a bit later, all sort of things in regards to that. In regards to superannuation and your salary sacrifice, you've already increased that. So just keep an eye on that, check your myGov, make sure you're not gonna Yep. exceed that 30,000. Give us a call even. We can tell you how much you've actually contributed to the fund. But as I said, we can't tell when your employer contribution's exactly gonna pay or how much it's gonna be because you've got the payslips there. You'd know more than me. Yeah. And then if you are happy with everything, we'd get you booked in for that personal statement there with one of my colleagues, and they'd go through that application, apply for those ClearView insurances. Now with that as well, once we're applying for those, we're not canceling your nails straight away. We wouldn't do that until your ClearViews enforce. Worst case Okay. scenario is something pops up, you get declined, we just keep the Neos policy, and we let them know about the nondisclosure. If you don't wanna tell them about it, then we just don't run that risk. But in the meantime, you'll still have that Neos policy and be covered until such time Yeah. we that clear your policy in force. Once that's canceled, the remaining of the twelve month premium that you have paid, you get refunded to your account from that Neos policy as No problem. well.","start_word":13399,"end_word":13694,"sentiment":"neutral","sentiment_score":0.08800500973656371},{"text":"Thank you, mate.","start_word":13695,"end_word":13697,"sentiment":"positive","sentiment_score":0.5242745876312256},{"text":"Yeah. No problem. Do you have I'll any other questions? I'll no. Not really. At this stage, I'll I'll read everything that's in the document. I'll print it out. I think I find it easier to bring it on the paper. So Yeah. Grab yeah, a I'll highlighter get back to then. you. You said within thirty days or so. Yeah. I'll I'll get back to you and we'll, yeah, go from Yeah. there. Feel free to call up, put another booking in.","start_word":13698,"end_word":13780,"sentiment":"neutral","sentiment_score":0.08174104988574982},{"text":"I'm happy to have a chat. Obviously, it's a Thank lot you, of information mate.","start_word":13781,"end_word":13795,"sentiment":"positive","sentiment_score":0.46031224727630615},{"text":"coming at you. But, yeah, you've technically got 60, so within the thirty, as long as Yes. you confirm after that that you've nothing's changed in regards to your circumstances or asset liabilities, the SOA is still fine, Yes. then if you got another 30 after that.","start_word":13796,"end_word":13842,"sentiment":"neutral","sentiment_score":0.13571789860725403},{"text":"So even if you push that right out to see how Ben Long's tracking and then having another conversation towards the end there, more than more than happy with that.","start_word":13843,"end_word":13872,"sentiment":"positive","sentiment_score":0.3580561578273773},{"text":"You can just get it booked in as well. No problem. Thank you. No problem, Zoran. Anything else for me while you've got me there just in regards to the No. Not really. Not I think we've talked a lot about everything. Thank yeah. you.","start_word":13873,"end_word":13917,"sentiment":"neutral","sentiment_score":0.08230806887149811},{"text":"Thank you for answering all my questions. That's not a problem, Zoran. I'm happy to.","start_word":13918,"end_word":13932,"sentiment":"positive","sentiment_score":0.411129891872406},{"text":"Again, apologize if you ever feel like you got the most out of service so far, but hopefully that changed moving moving forward if you're happy to stay with us there. No worries.","start_word":13933,"end_word":13965,"sentiment":"neutral","sentiment_score":0.20542623102664948},{"text":"Thank you, mate. Too easy. You enjoy the rest of your afternoon there, Zoran. Thanks for your time. You too. Thank you for your time too.","start_word":13966,"end_word":13991,"sentiment":"positive","sentiment_score":0.545128345489502},{"text":"Bye.","start_word":13992,"end_word":13992,"sentiment":"neutral","sentiment_score":0.23995471000671387},{"text":"Thanks, man.","start_word":13993,"end_word":13994,"sentiment":"positive","sentiment_score":0.3653671145439148},{"text":"Bye.","start_word":13995,"end_word":13995,"sentiment":"neutral","sentiment_score":0.23979191482067108}],"average":{"sentiment":"neutral","sentiment_score":0.016633785999849916}}}}