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I've got you scheduled in for your statement advice presentation this morning. Is now still a good time for you? Perfect. Just to jump into that one today, Mark, if I just pass through security with that name, date, and birth, and current address, we can get stuck into it. Yep. Right. Perfect. And then just to confirm too, Michael, just because there was a little bit of a, you know, back and forth there with you potentially speaking to the mortgage broker with the investment. And I can just confirm that in regards to your details, nothing's sort of significant changed in the last sort of few months since we last sort of confirmed those. Brent occupation, you know, still self employed, still running the business. No sort of changes to dependents or all that sort of good stuff. Perfect. Not a problem at all. Now I will be sending this through there to MickMerse74@Gmail.com, and then we'll just run through that one quickly. How much time do you have there this morning, Mark? Because I can make it a a little more brief and give you a chance to run through it yourself and come back with any questions, or I can go, like, a little bit more in-depth depending on, you know, how much time you wanna talk to me on the phone this morning. Perfect. Great. So that should come through shortly. Now it's Odoo instead of the DocuSign you probably previously used. I'm not too sure if you've signed an OdooSign before. Similar to DocuSign, it just comes through in an email from Oakview via Odoo. It'll say it came from myself, Kyle Giddings. Now with that one there, they'll have some attachments. So that's your supporting documentation as well as your your statement of advice there. In addition to that, you'll also have there the link to sign the signable document should you be happy with the advice. But you don't need to click on that link. You can just click on the the statement advice and the the attachments there. We can run through it together. You can take as much time to sort of read through it there as well. Now this one was finalized on the March 2 then, so they're valid for for sixty days from that date. Obviously, just took a little bit there to to get it booked in from when it was finalized with the the business being a little bit busy. But in saying that, if you sort of take a little bit longer than that, we can just confirm you a few details, update a few figures, and it should be fine there as well. But you still got plenty of time to be able to read through that and make a a decision there. Now has that one come through to you there? Perfect. If you could just open up the that statement advice. Not a problem at all. Yeah. Yeah. No. Completely understandable. It is a lot of words coming at you as well. So, you know, I do recommend sort of after the the phone call digest a little bit, take a bit a bit of time to have a quick look through the document. It is quite straightforward in the sense that we are just looking at that investment account for you. And then we're also just looking at making a couple of tweaks to superannuation. I know we didn't discuss that really in terms of making too many changes, but just as a business decision, they came out with a few adjustments in part like, in terms of some underlying assets, and I'll let you know what those are and what the the changes will be and what that looks like. Have you got that one up there in front of you there, Michael, now? The the statement advice? Yep. So on the the third page there, you do see the the scoping and what's considered in the statement advice. So, obviously, consider the personal investment of you wanting to invest that 300,000 in that long term sort of strategy to be able to have that invested in something other than your superannuation, have that invested a little bit more aggressively than your superannuation. In addition to that one, as I said, we're just looking at updating a few underlying assets in that. So as a business decision, there's a fund that you hold called Bennelong. Now within regards to that, you don't have the most significant holding of it, but I'm not too sure if I I mentioned to you previously, but they have an underlying asset there called corporate traveler. Now with that one at the end of sort of last year, they were identified as not account like, keeping accounting records correctly. And as a result of that, they were on a trading hold. Bennelong had to re sort of value that and with that trading hold. And then also people lost a bit of consumer confidence with the Bennelong fund itself for having that underlying investment that's caused that significant dip. So within regards to that, we are looking at replacing that just because over the long term, the investment key does believe that they will be able to recover and perform consistently to the point where they were previously. Now as a result of that, you you only have around the 8.6% in Benelong at the moment, so we'd be looking at replacing that with a an index fund that is within the Australian region. It is a bit cheaper of an investment, and you don't have that actively managed portion to that. You'll still have some active management in the ClearBridge rare infrastructure fund that you do have in there currently. And then we're also looking at replacing just the bank hybrids, and that's purely because of the fact that they are phasing those out as a product, and we're just looking at removing it and replacing it with an alternative in the event that sort of, you know, you did hold them up to the point where you can no longer hold them as an asset, if that makes sense. That's in your super that yeah. That's in your your superannuation in regards to those underlying investments. The rest of portfolio has been tracking quite nicely. So as a result of that, we are not looking at changing that. We're just looking at changing in regards to that that Ben along to that BetaShares Australian two hundred. And then with the the bank hybrids there, we can look at sorta you can hold them up until 2032. So just be mindful of that. Like, you hold them until sorta such time that we need to replace them just so you're aware that that's another change that will be coming. Yep. Perfect. Now as far as the the same advice itself is quite simple in the sense that we're recommending that you establish a personal investment account with the Hub 24 platform where you hold your superannuation at the moment. Now one of the benefits of that is that you do get linked admin fees for your funds under management. So as a result of that, it'll actually lower your overall administration costs for holding the the funds under the one platform. On page 70, you will see just your general details. If you do wanna confirm they are correct and haven't sort of changed, on the page over, you will see those assets and liabilities. And then the next page over, you'll be able to see your your current balance within your hub 24 and then also your insurances that you do hold, which we're not looking at changing at the moment, if that makes sense. Just while you're having a look through those, so your risk profile with superannuation, you still agreed to keep that balanced growth portfolio. You don't wanna look at increasing that you're happy with how that's traveling within a balanced growth profile. Within regards to the IDPS investment, you did state that you wanted to have a little bit more exposure, even sort of generally we do it the other way around having a little bit more in suit because you can't touch it and a little less in, like, your IDPS accounts because you can draw down on them. But you wanted to bump it up just to that growth, which is around that eighty twenty split, if you remember that conversation. Yep. Yeah. Yeah. So within regards to your your balance growth, there can be sort of anywhere between 60 to 70% growth assets, whereas the the the growth fund is about the eighty twenty sort of split around those sort of marks. Now in regards to the recommendation for the the personal investment, as I said, we're recommending you do it on hub twenty four for the benefits of the aggregate trading, having it all under the one sort of place. You don't have to have two separate accounts in regards to that. You'll be able to view it under your sort of one portal with the the linked account there. You're a bit more familiar with Hub twenty four as well, and you get the benefit of those reduced fee costs. Now in regards to why it's been your best interest there, we determine that Hub twenty four would be the most appropriate based on the the potential for the capital growth with the portfolios that we can build on that in conjunction with holding it with your your superannuation there as well. Much like your superannuation, we review it as a minimum every twelve months. You can have more regular reviews as well. Having a growth portfolio, you're sort of looking at that sort of seven to eight year time frame of holding it to try and get those average returns with the fluctuations in the market. Now I'm sure you're aware of, like, what's happening currently with the, you know, the wars in Iran and everything like that. The markets are a little bit volatile at the moment. So there's something yeah. In saying that too, so although it is quite a volatile time, you may see some, like, ups and downs in the first sort of six to twelve months within that, but timing the market's better than sort of trying to time the market. You never know when it's gonna, like, the war's gonna stop, when it's gonna sort of recover. As long as you're willing to hold it for that sort of allotted time frame, the the time in the market can outweigh just trying to time that market, and the markets themselves have taken a tiny bit of a a dip through the start of the year there. So even then, if they were to start recovering sort of in the next sort of few months there, you might see the potential upside. If the war continues and it creates that little bit more volatility too, you might see a little bit of it down before you start to see an up. But, obviously, investing is that longer term game. And with that, if you're sort of willing to hold it that seven to eight year sort of ten year time frame with those investments, time in the market still as long as you hold and have high conviction within those investments, the market over those periods generally trends upwards there as well. And then, obviously, with that, it does increase your level of risk just at the moment with what is happening. But as long as you're comfortable with that risk and you're not gonna sort of panic sell out. You're not really losing money until such time that you do sell the investment. So within regards to the portfolio we are recommending as well, it doesn't have any managed funds at the moment. So, obviously, it's a bit hard to pick winners with what is occurring at the moment. So the investments that we are recommending just is a index type investment. So it's like those ETF funds that follows and track those indexes over the world. We do have exposure across Europe, Japan, outside The US, The US itself, and Australia, which gives you a nice broad spectrum there that over the the long term, it should tick along and up nicely even though if it does see some volatility in the first sort of six to twelve months then, if that makes sense. Yep. Perfect. Now with in regards to that, we just given that you are increasing your risk and you're a little bit more risk adverse, that's why also additionally why we didn't add those actively managed funds because much like with WorkCare with Benelung, they can have those really good years, and then they can also have the years where they perform, you know, that negative 20%, and it can really sort of start to have adverse effects depending on how much holdings you have. At the moment, Ben Long isn't it sort of huge holding in your portfolio and within superannuation. But if sort of both your actively managed funds did have a bad year, it would sort of impact the growth within your fund. That makes sense? So within regards to that, you know, you'll have all the benefits of being ongoing clients still with that and then having it. You'll have those aggregated fees all in the one platform there. We could look at changing things that they have the the freedom of adjustments. And should you ever wanna sort of pull it out, you can. Just be mindful of the fact that within regards to the the interest and the the earnings on those sort of accounts, you do, like, form part of, like, individual tax returns. And I know you sort of already at that higher sort of income with the dividends you pay yourself even though they are frank. So if you weren't sort of franking those dividends, had a higher income, you're looking sort of potentially maybe, you know, additional taxes, things like that as well, which is something to be mindful of. Yeah. Because your base is around the $1.20. Correct? And then the rest of that comes from, like, those frank dividends from your company that makes up the majority of the rest of your income? Yeah. Okay. The other alternatives we sort of did consider were investment bonds. So they operate much like to an IDPS account, but they're held by a company. You can look at reducing taxes that way and the the overall cost of, like, the investment long term, but you do have to hold those for ten years for that benefit. And given that you might wanna sort of access them for early retirement, to to things down the future, should it be performing well enough that you feel like you wanna, you know, make other purchases, other investments, so we didn't lock it away for that ten years. And then we also considered some other providers there as well in terms of platforms who could hold it. That may be a tiny bit cheaper. But given the fact that Hub twenty four has that aggregate trading, you get the benefit of having, you know, administration costs that are lowered by having the pooled fees and funds. We just recommended staying on the Hub twenty four platform, if that makes sense. Perfect. On page 20 there, you will see a breakdown of the investments. Now as I said, you don't have actively managed funds in this portfolio. It is in line with the growth portfolio, which is around that eighty twenty split With that eighty twenty, sorry. On page 20, you'll see the breakdown of the actual investments you hold. Yeah. So that page and the next page will give you the breakdown not only of the the sort of split, but then your actual portfolio. Now at the moment, it's sort of saying that you sort of run 86% growth. That's around 14% defensive, and that's because purely they've considered gold to be a full growth asset in the sense that, you know, the way gold has been performing, it's very capital in nature with what it has been sort of being able to do. And then with that, they have just considered to be fully growth. Now gold can be considered a bit of alternative where you do get that defensive portion that during market downturns as well. Gold tends to trickle up as opposed to that sort of negatively correlated. But so you looks like you're a little bit more overly exposed to growth assets, but that gold's considered a 100% growth at the moment. That's around the 10%. With that, you do have a little bit exposure to the tech sort of space. And with the the cybersecurity, it's only 5% a bit of a satellite with how it has been sort of traveling. It's down at the moment, so they still do have conviction in that long term. So at the moment, if you bought in low and it sort of makes a nice recovery, that'll be a good point. In regards to that as well, you do have nice exposure within, you know, Europe, Japan, outside The US, and then also inside The US and Australia, which gives you a nice sort of geographical range of investments as well as the companies that are composed within those sort of regions as well. You'll also have the iShares composite bond, which is purely just a defensive asset there, which aims to sort of protect that during market downturns a little bit as well. So you get nice amount of exposure, reduce sort of manager risk by not having those actively portions, finished portions. And then with that, over the long term, you know, those index investments tend to outperform managed portfolios over the long term period. Managed funds sort of tend to either do really well or sort of quite poorly, and they're sort of maybe sometimes in between. Whereas the indexes, if the markets are doing alright, they they tend to do alright as well, but you won't be able to sort of outperform whatever the markets are doing because you're basically trying to track those markets, if that makes sense. Yep. Did you need for me to explain, like, anything sort of more in-depth in regards to those index investments as opposed to having actively managed investments? So that that entire portfolio, that on that page 20 there, they're all indexed investments. So iShares tracks the top 500 companies, ISMP five hundred five hundred companies in America. BetaShares Australia tracks the top 200. Now it's fluid in the sense that if a company within those sort of regions on those exchanges there was to, you know, skyrocket in terms of, like, growth and price, if it makes it to those top 500, you'll hold it as an asset. If they sort of become an under performer and fall out of that top, like, 500, you won't hold it anymore, which is sort of dynamic in the sense that, you know, as companies grow and fall, you know, you're switching those investments dynamically along the way and just tracking those markets, whereas those managed funds aim to, you know, pick a few winning horses that they believe are gonna get that massive sort of growth, and they sort of try and outperform the market and trying to find those companies that have the high potential upsize, whereas you kind of hold the companies that are already sort of stable in those those top sort of brackets, if that makes sense. No. That's the personal investment one on page 20, the recommendation. Yeah. Yep. So with the the fee of, like, the upfront investment cost of that, it's looking around $296,250 that'll be invested, and that's the breakdown of those investments. So your key holdings there will be the iShares of p 500 and the BetaShares Australian two hundred. The rest of them are sort of split to be more satellite. But if they were to sort of not perform within those sort of regions or have a negative year, that your portfolio wouldn't be as negatively affected, whereas, you know, that your banking sort of on Australia and the the American market sort of tracking nicely over the next sort of seven to eight years in growth to be able to sort of get nice sustained income or, like, capital growth out of your investment. Perfect. If you scroll down to the page 22 there, you'll see the outline of the sort of ongoing investment costs of that. And with that, what it looks like in terms of the administration fees, investment costs, and then also the other fees and adviser fees that'll be attached to that. Now within regards to that one, I do see that they haven't done the the flat fee for that one. It was just based on aggregate balance. So within regards to that one, we're recommending because you've got the two funds under OQN at the moment. There is that cap of 600,000 to just do a flat fee across the two accounts so that because you're already over 600,000 if you were to put that money under investment with us. We don't wanna sort of have you getting charged over with the the two accounts because with the split, if you sort of, you know, wants to grow more in that IDPS and you obviously superannuation is already over the 300,000, you would be getting charged more as a result of that. Now the the potential downside is that if there was a significant market dip with that flat fee for the twelve months, you might get charged more. But given your superannuation sort of up around that sort of $3.60, 70 mark depending on what the market's doing at the moment, It'd have to drop quite significantly before that sort of negatively impacts you, if that makes sense as well. Now we did sort of just do a general cash rate in regards to, like, a three year rolling average there and then the the LA growth that we're sort of recommending you in that fund. Now with the investment cost, it obviously costs more than just holding it in cash. The administration fees, it hasn't done the full calculation as to the the pool balances there. So once they are pulled and under the same sort of platform there, it'll likely be less than that. We can sort of get the calculations done to show you what that might look like in terms of overall administration fees across the two funds once we sort of get the the balances there. And then with the adviser fee, as I said, it would be a flat fee just to ensure that you're not getting charged overly, if that makes sense. Yep. And I'll just see what yeah. The on the on the page 31, once we get to it, it does highlight the fixed fee and what that'll be across two accounts, and then your ongoing there for the the insurances just as a a reminder of how much you would be paying. Now in regards to that hump 24, we're just recommending retain everything likely unchanged. Now, obviously, as a result of that pendulum and what did occur, I know we didn't talk about it too much in terms of changing superannuation investments because of how it was performing, and you're still pretty happy with the returns. But just for the long term, we're just thinking, you know, proactively to try and get rid of that now. You are sort of crystallizing a few of those losses that will go towards, you know, offsetting some future capital gains, which is not a bad thing. But with that, they just don't have the faith that it will be able to return from what it's gone down in a timely manner to where it's not sort of hindering your growth a little bit there as well, if that makes sense. Yeah. It's like the difference between, like because, obviously, if something dips, you never sort of wanna sell low, buy high. But if you don't have conviction in the investment being able to return or perform, you know, over the long term, you're sort of better off taking a little bit of a loss there and going into an investment that is gonna get you that return because, you know, even if you you've already made the the loss in the sense that if it doesn't come back, you still sit at that level, whereas you take the loss offset some capital gains down the track because you are still holding the one fund, then, you know, you can be an investment that is making a more solid return. And then that way, you know, you have a better chance of recouping those losses in a different investment rather than sort of riding out much like the the hack that you currently hold with what did sort of go down there. And then what we're recommending, obviously, it's taken a dip, but they have conviction in that long term that it will recover. So that's why they're looking at holding that investment versus, like, the Benelon, which they're looking at getting rid of. That makes sense. So that's what we're we're changing now. So I can't just go in and change your underlying investments. We do have to provide a document. If things were, like, very sort of serious, you know, like COVID where they have sort of changed things to cash and just done, like, company wide changes, then they sort of sometimes do that. But to be proper and follow, like, you know, the law and letter to the law, we do have to that's why we do those annual reviews that each sort of year, we double check, see how things are going, whole conversation, look at doing those sort of changes. And then, obviously, that occurred sort of the end of last year there with that investment. So as we sort of come across that because it's only 10% or, like, 8.7 at the moment in your portfolio. It's not a significant driver in, like, your growth if it did have a bad year. But in saying that, we're just sort of looking at changing that out now before it sort of goes worse or it just sort of stagnates for another twelve months. If you did sort of do, like, the regularly three months and things like that, we do sort of track it a little bit more, have more conversations with you. But as a minimum, we do the 12 monthly. And if we were to change any underlying investments, we do have to provide a statement of advice piece like this just to illustrate any product changes that we are doing to your portfolio. Perfect. There is, under OQ, a separately managed account, which does sort of allow for them to change the underlying investments, but you get less sort of say in what goes into your portfolio and what doesn't because it's up to the managers of that strategically managed account, what they have in it and what they don't, and you just sort of pull your funds with anyone that is in that strategically managed account. And then they'd sort of regularly update or review that every quarter, and then that changes for everyone in those funds versus, like, your your investments are individual to sorta you even though there are a few portfolios in on their approved product list. If you sorta go, hey. I wanna put, you know, some sort of Tesla or things like that in my portfolios. You have the freedom to do that as opposed to those separately managed accounts where what's in those is purely from the investment committees. They won't change those per year wishes versus, you know, having a fund like this where you do have a little bit more say in what goes in and what doesn't and sort of changes. Like you said, you can go on the the platform and have a little bit of a look at it. If you see something that you're not too fussed about, you don't like it, even if you looked at this report on what we're recommending in terms of it, if you look at that and go, hey. I actually don't want that investment in our portfolio. You have the freedom to be able to, you know, have a conversation without change those investments. Obviously, you know, the portfolios are approved by the investment committee here, so that's a part of, like, the recommendations and the recommendations we make under Oakview. But with that, you do have a little bit of a say if you do want sort of specific sort of shares if they're available or certain holdings should you not want them. Perfect. In terms of the your current superannuation balance, it just shows you based on the the changes what that might look like. So with the investment change, they're moving that then along to that more passive Australian 200, the the beta shares. It will actually save your investment costs ongoing. And then with that, because of the performance of that Benelong there, it does improve in performance slightly as well. Now the main thing with that one, you know, you see, performance is the one thing that's never guaranteed, which is, you know, the probably crap thing about receiving financial advice is nothing sort of guaranteed with the markets, especially what's going on. But with that one at least, you'll have the guaranteed savings that you'll be saving $372 a year and then hopefully get that bit of better performance as well for you. Perfect. As part of that, obviously, you can go into the advantages and disadvantages a little bit more than that. Obviously, at the moment, the main sort of risks associated with the investments at the moment is, you know, when you're buying and selling at the moment with it is so volatile, you do sort of get, you know, those those dips and highs that when you're sort of out of the market, you may miss, like, potential growth upside peaks. With that, if it was to go down in that time, you do get the benefit of buying it at a lower cost. Same with in regards to putting that money into an investment now. Obviously, the markets are a little bit more volatile. They have taken a little bit of a a dive, and then there's some peaks in there along the way as well. But if you're happy to ride out the volatility for at least over the next sort of six or so months where, you know, the the wall may continue and prices may soar in regards to certain things, they might sort of dip in regards to how things are progressing with their growth over that time frame. But if you're sort of happy investing, you know, that longer term sort of eight to to ten year mark with this investment, it shouldn't affect you too much in the long term in terms of, like, how the world reacts to wars. Funnily enough, although it does cause, like, short term volatility, it's not much like COVID where the effects are felt, like, as long term as those COVID type events. You do see that, you know, wars, Middle East, things like that, they do cause those blips on the the investment radar and what terms of, like, what does occur. But over the long term, the markets tend to recover quite quickly in terms of, like, the the returns and how they sort of return. Much like with Trump and his tariff talk at the start of the year, you saw how much they affected the markets in terms of, like, how much it did drop. But, you know, three months later, it's back and above where that dip did occur, and it's still on the the rise, if that makes sense. Yeah. As as I said, sort of when it is sort of negatively correlated in terms of, like, what does occur, people tend to to go back to those harder currencies during that time frame. I do believe gold, because it was a bit of an all time high, there was a few sort of dips along the way there as well. But as a whole, it has sorta, you know, as a result of that, gone up a little bit in terms of that. I wouldn't say it's, like, skyrocketed much like it has over the past few years. But with that, it sort of I believe towards the end of last year, because it fell from its peak, it sort of took a bit of a dive, and then it's sort of trickling back up given what's happened over the start of the year there as well. But not to the extent that it did towards, you know, back back end of sort of 2024, 2025, where it did take a real big jump up in terms of, like, the price and what it was. But, yeah, in saying that you will hold that as a portion of your your investment as well, which does help. Yeah. The problem is too is, like, when you are looking to retirement, that's when it sort of affects your portfolios more. I'd be a little bit more hesitant sort of if you were, like, you know, 58 and putting this as a portion of your retirement savings that you were saying to look to draw down on as well just because of the fact of where the markets are at the moment. But given, you know, you've still got plenty of sort of working life behind you, obviously, you wanna sort of look at potentially, you know, early retirement. The good thing about having a business is sometimes you can step away and still have those in income that is coming in whether or not it's the same, but, you know, having employees that can still do some of the work for you and sort of doing transition to retirement, things like that as well. So you do have a little bit more flexibility in that sense. Your portfolio as a whole, because it is a bit more defensive with that balance growth within your superannuation, has been traveling quite well as opposed to, you know, some other other higher growth because they do have those more exposure to growth assets, which funnily enough is sort of, you know, those more defensive portfolios tend to do better when those sort of events do occur. So over twelve month period, your superannuation's at, like, 11.9%, which is up there in par with sort of high growth portfolios. With the with the changes there as well, with that a 200, it removes the underlying investment that isn't performing over the next sort of twelve months. And, hopefully, you do see a little bit more growth with that now being out of it. With the one being in the growth with that individual investment that we are recommending, like I said, you probably likely see a lot more volatility in that than you do in your superannuation. It's just important that, you know, you do hold through those sort of fluctuations if you are planning on investing for that longer term period. Yeah. It's yeah. You just gotta be mindful to to not sort of panic sell and things like that. Obviously, we do make adjustments if things sort of were continuing on. With that, you can call up at any time. If you did have concerns, can talk about it and have conversations around it. And at any point, you can be like, I do wanna look at sort of transitioning out and things like that as well, and we can try and build some strategies around the best way to do that possible as well. Yeah. And you've got yourself in a good position that, you know, with the the house a 100% offset, you know, a decent balance in your your superannuation plus a nice income from your business there that realistically you can afford to, you know, be able to to hold through those investments where you're likely not to need that in the event that something did go go wrong because with that considerable savings as well. But do you have any questions in regards to that, Michael, with the the investment recommendation or the the superannuation update there? It is yeah. Getting rid of it. Yeah. Yeah. Like I said, selling low, buying high is a bit of the cardinal sin, but when they sort of do the metrics and have a look at it long term, they just don't have as much conviction in it. So they're just looking at changing it now and just using it to offset some some losses some gains moving forward with those those losses. But these only temps in your portfolio, so it's not like it's, you know, taking a a huge chunk out of it, which is which is nice at least, which is how you want those sort of active investments to work. That when they're doing good, you get nice, but a little growth extra and outperform the market a tiny bit potentially. Whereas, you know, when they do take a bit of a dive, it's not too fantastic. And Ben along over the past couple years haven't been doing the best in terms of, like, what their sort of goal was in terms of returns. So with that and what did occur, they just, yeah, wanna move away from it. In regards to that investment hybrid there as well, as I said, we'd be looking to change that in the future. With that one, though, we can sort of keep it because it is sort of available for the the next few years there at least as well. And then we'll probably look at changing that for an alternative, whether that's through, like, a a recommendation or just an ROA to the record of advice to change that to an alternative product that matches up with what it's currently in just because purely the fact that they they won't be available after 2032. No problem. Obviously, have a chance to have a read through that, you know, do a bit of your own research. The appendix there does have links to all the investments that are recommended just to be able to have a look through that, see how you feel about it, and then sort of go right with the the risks. Obviously, you know, we did consider those few alternatives, so feel free to you don't have a think, see how you feel about that. Obviously, being on the one platform, as I said, you do get the benefits of it all being in, you know, one stop shop, all your reporting, things like that, in addition to the fact that you do save on administration costs as well. So likely that the fees charged for admin moving forward will be less than what's outlined. In regards to the adviser fee, as I said, they are looking at doing that fixed fee. So in terms of what does come out because of the funds under management at that cap, so it'll be 4,950 for for each fund for managing of that fee. Until such time that they change the fee structure, it will stay at that fixed fee amount as long as you sort of balance, you know, stays above that 600,000. If you were to withdraw a large chunk of your sort of individual investment there moving forward. The next sort of interview, they'll they'll adjust the fee to make sure that you aren't sort of getting charged as much if you were to follow that 600,000. And then because we do receive an ongoing for your MLC insurances, we'll just disclose that fee there as well. It's not an additional cost to you. It's just what MLC provide us for monitoring and maintaining that policy. We just outline it because it is a remuneration that we do get from that premium that you do pay. Does that make sense? Yep. I'll just bring up the the exact amount that the the last time. Bear with me. Have you got other insurances there as well? Okay. Yeah. Because it's because, obviously, we haven't spoken before. I'd sort of did your your last review there, and I wasn't aware that you still had external insurances with that one. So I'm just trying to find his certificate of currency without having to to log in. Looks like I'm gonna have to log in quickly. So what cover do you hold? Like, do you have certain business covers or, like, actual personal? Would you mind, like, sending through those certificates of currency for me so I can have a look at those and what cover you do have? Okay. Yep. Let me just double check. So I'm just waiting for it to load up. Sorry. So I'm just bringing up your policy, so I'm not just making up figures. So MLC did become a sender, and you do have the life cover for five hundred and twenty five thousand and total permanent disability for the the the same amount there of five hundred and twenty five thousand as well. Yeah. I believe they do like, at the top there list what insurances you do hold on that same advice. I was just making sure that it was correct, like, and when it comes to your current situation under your details there. Yeah. So on On page nine there, you'll see that MLC, yeah, cover that you do have there as well, and those figures are accurate from what I'm looking at there. Okay. Too much attention away from him. And so you've got policy that is in that MLC or like a sender, maybe named different when you get sort of reviews in the mail. You have a direct debit that pays Yeah. I believe that one's through super rollover for that one. So oh, Oh, you've got a towel policy as well. Yeah. Can you send through that detail as well? That's the ticket of currency if you can get a copy of that one, and we'll have a a look at that and see what you're covered for. And then we'll review your insurances as part of that because, obviously, I was only aware of that MLC one that you did have there. So don't yeah. I'll I'll have a look at once you sort of send that through what your original advice was and if that was to to cancel or not if they were aware of that one or if it was a separate one. Okay. Yep. I'm just gonna have a yeah. Because depending on Lifecom, I'm not too sure what did occur. Like, they'll either, like, write you a letter to the sign and send off to be able to cancel those, or if you'd happy canceling himself, they just leave it with you. Obviously, they should probably check up in regards to that, your next interview, if you do have them or not. But I'm just having a look through that statement of advice. I'm just having can't see any mention of a a towel policy. Because MLC became like a sender. And if you had oh, yeah. St. George, there's sometimes the underwriter. Like, people will take over policies, and that might have been taken on the old St. George policies that they no longer offer, and they sort of been grandfathered. Oh, okay. So it might be more of like a home loan. Yeah. Okay. So it might just be, like, attached to your home loan and the what's remaining on the home loan in terms of, like, if you were to pass, it would like, a mortgage type cover, it would cover the remainder of your mortgage. I have seen a few of those previously, but if you don't mind sending that through, Michael, we'll have a look at it and just confirm what type of policy it actually is and then have a conversation with you, see if you do wanna hold it or not. No problem. Yeah. So it might sort of be null and void in the sense that, like, you're only covering for money that, like, you could essentially just pay off anyway should anything do go wrong. Plus you do have the life cover with MLC or a sender depending on the name that you see. They have obviously changed that as well. Yeah. Do you have the info at OQ Financial or just my personal email there? Probably don't reply to that one just because it's linked to that Odoo. I don't know how that sort of returns. So if you just respond to, like, a info@oqfinancial.com.au, or you can send it to my personal, which is kyle, khyl,@OakviewFinancial.com.au. Perfect. Once it sort of comes through, we'll have a a look through that and just to see if it's what type, as I said, policy it is, if it's worth keeping or not, you might sort of, yeah, just look at removing it. But with that, if you do want us to review everything entirely, we can do that, provide another advice piece. Otherwise, we can give you some general information and do sort of just a general information. You can make a decision off that depending on how long you wanna wait for another advice document, if that makes sense as well. Perfect. But do you have any other questions in regards to the advice piece at all today, Michael? Perfect. Have a chance to read through it, see if you're happy with everything. There is the fixed fee arrangement for your superannuation. Once you were to be, like, happy with that or not, because they do require, like, bank details and how you would deposit it, they'll just contact you once you were to sign that document. They'll organize the actual application for the IDPS, add the bank details, everything like that, get that signed, and get that on the way as well as part of the implementation once you were to sign the document or not. Perfect. Yeah. So sometimes, like, just to open it, you can just sort of do a certain fee and then be able transfer with the details from that as well. But that'll be able to explain all that and sort of the options you do have in terms of, like, the direct debits and things like that, whether or not you do, like, the full amount upfront or whether or not you sort of, you know, open the account with x amount and then sort of just transfer the rest in at a later date when you've got all the details and everything. Not a problem. Because, yeah, there's not an upfront fee with that account anyway. So with that, it's just the ongoing, and that'll be charged just like a flat monthly amount, which won't fluctuate with the market. So it'll just be set for getting up to that fee for the twelve month period. But if you don't have any questions for me there, Michael, as I said, have a bit of read through, see if you're happy with it. Otherwise, I'll let you get back to you in your morning. Thanks for your time today. Yeah. Just click that link, sign the document. Once they get that and sort of action that, they'll get in contact with you to arrange that application. Not a problem at all, Michael. Well, thanks for your time. If you have any questions, shoot us an email, give us a call. And when I see your email come through with that insurance information, I'll give it a look for you there. Bye. No problem at all. Enjoy the rest of your day, Michael. Thanks. 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morning, Michael. It's Carl calling from OQ Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I've got you scheduled in for your statement advice presentation this morning. Is now still a good time for you? Perfect. Just to jump into that one today, Mark, if I just pass through security with that name, date, and birth, and current address, we can get stuck into it.\n\nYep. Right. Perfect. And then just to confirm too, Michael, just because there was a little bit of a, you know, back and forth there with you potentially speaking to the mortgage broker with the investment. And I can just confirm that in regards to your details, nothing's sort of significant changed in the last sort of few months since we last sort of confirmed those.\n\nBrent occupation, you know, still self employed, still running the business. No sort of changes to dependents or all that sort of good stuff. Perfect. Not a problem at all. Now I will be sending this through there to MickMerse74@Gmail.com, and then we'll just run through that one quickly.\n\nHow much time do you have there this morning, Mark? Because I can make it a a little more brief and give you a chance to run through it yourself and come back with any questions, or I can go, like, a little bit more in-depth depending on, you know, how much time you wanna talk to me on the phone this morning. Perfect. Great. So that should come through shortly.\n\nNow it's Odoo instead of the DocuSign you probably previously used. I'm not too sure if you've signed an OdooSign before. Similar to DocuSign, it just comes through in an email from Oakview via Odoo. It'll say it came from myself, Kyle Giddings. Now with that one there, they'll have some attachments.\n\nSo that's your supporting documentation as well as your your statement of advice there. In addition to that, you'll also have there the link to sign the signable document should you be happy with the advice. But you don't need to click on that link. You can just click on the the statement advice and the the attachments there. We can run through it together.\n\nYou can take as much time to sort of read through it there as well. Now this one was finalized on the March 2 then, so they're valid for for sixty days from that date. Obviously, just took a little bit there to to get it booked in from when it was finalized with the the business being a little bit busy. But in saying that, if you sort of take a little bit longer than that, we can just confirm you a few details, update a few figures, and it should be fine there as well. But you still got plenty of time to be able to read through that and make a a decision there.\n\nNow has that one come through to you there? Perfect. If you could just open up the that statement advice. Not a problem at all. Yeah.\n\nYeah. No. Completely understandable. It is a lot of words coming at you as well. So, you know, I do recommend sort of after the the phone call digest a little bit, take a bit a bit of time to have a quick look through the document.\n\nIt is quite straightforward in the sense that we are just looking at that investment account for you. And then we're also just looking at making a couple of tweaks to superannuation. I know we didn't discuss that really in terms of making too many changes, but just as a business decision, they came out with a few adjustments in part like, in terms of some underlying assets, and I'll let you know what those are and what the the changes will be and what that looks like. Have you got that one up there in front of you there, Michael, now? The the statement advice?\n\nYep. So on the the third page there, you do see the the scoping and what's considered in the statement advice. So, obviously, consider the personal investment of you wanting to invest that 300,000 in that long term sort of strategy to be able to have that invested in something other than your superannuation, have that invested a little bit more aggressively than your superannuation. In addition to that one, as I said, we're just looking at updating a few underlying assets in that. So as a business decision, there's a fund that you hold called Bennelong.\n\nNow within regards to that, you don't have the most significant holding of it, but I'm not too sure if I I mentioned to you previously, but they have an underlying asset there called corporate traveler. Now with that one at the end of sort of last year, they were identified as not account like, keeping accounting records correctly. And as a result of that, they were on a trading hold. Bennelong had to re sort of value that and with that trading hold. And then also people lost a bit of consumer confidence with the Bennelong fund itself for having that underlying investment that's caused that significant dip.\n\nSo within regards to that, we are looking at replacing that just because over the long term, the investment key does believe that they will be able to recover and perform consistently to the point where they were previously. Now as a result of that, you you only have around the 8.6% in Benelong at the moment, so we'd be looking at replacing that with a an index fund that is within the Australian region. It is a bit cheaper of an investment, and you don't have that actively managed portion to that. You'll still have some active management in the ClearBridge rare infrastructure fund that you do have in there currently. And then we're also looking at replacing just the bank hybrids, and that's purely because of the fact that they are phasing those out as a product, and we're just looking at removing it and replacing it with an alternative in the event that sort of, you know, you did hold them up to the point where you can no longer hold them as an asset, if that makes sense.\n\nThat's in your super that yeah. That's in your your superannuation in regards to those underlying investments. The rest of portfolio has been tracking quite nicely. So as a result of that, we are not looking at changing that. We're just looking at changing in regards to that that Ben along to that BetaShares Australian two hundred.\n\nAnd then with the the bank hybrids there, we can look at sorta you can hold them up until 2032. So just be mindful of that. Like, you hold them until sorta such time that we need to replace them just so you're aware that that's another change that will be coming. Yep. Perfect.\n\nNow as far as the the same advice itself is quite simple in the sense that we're recommending that you establish a personal investment account with the Hub 24 platform where you hold your superannuation at the moment. Now one of the benefits of that is that you do get linked admin fees for your funds under management. So as a result of that, it'll actually lower your overall administration costs for holding the the funds under the one platform. On page 70, you will see just your general details. If you do wanna confirm they are correct and haven't sort of changed, on the page over, you will see those assets and liabilities.\n\nAnd then the next page over, you'll be able to see your your current balance within your hub 24 and then also your insurances that you do hold, which we're not looking at changing at the moment, if that makes sense. Just while you're having a look through those, so your risk profile with superannuation, you still agreed to keep that balanced growth portfolio. You don't wanna look at increasing that you're happy with how that's traveling within a balanced growth profile. Within regards to the IDPS investment, you did state that you wanted to have a little bit more exposure, even sort of generally we do it the other way around having a little bit more in suit because you can't touch it and a little less in, like, your IDPS accounts because you can draw down on them. But you wanted to bump it up just to that growth, which is around that eighty twenty split, if you remember that conversation.\n\nYep. Yeah. Yeah. So within regards to your your balance growth, there can be sort of anywhere between 60 to 70% growth assets, whereas the the the growth fund is about the eighty twenty sort of split around those sort of marks. Now in regards to the recommendation for the the personal investment, as I said, we're recommending you do it on hub twenty four for the benefits of the aggregate trading, having it all under the one sort of place.\n\nYou don't have to have two separate accounts in regards to that. You'll be able to view it under your sort of one portal with the the linked account there. You're a bit more familiar with Hub twenty four as well, and you get the benefit of those reduced fee costs. Now in regards to why it's been your best interest there, we determine that Hub twenty four would be the most appropriate based on the the potential for the capital growth with the portfolios that we can build on that in conjunction with holding it with your your superannuation there as well. Much like your superannuation, we review it as a minimum every twelve months.\n\nYou can have more regular reviews as well. Having a growth portfolio, you're sort of looking at that sort of seven to eight year time frame of holding it to try and get those average returns with the fluctuations in the market. Now I'm sure you're aware of, like, what's happening currently with the, you know, the wars in Iran and everything like that. The markets are a little bit volatile at the moment. So there's something yeah.\n\nIn saying that too, so although it is quite a volatile time, you may see some, like, ups and downs in the first sort of six to twelve months within that, but timing the market's better than sort of trying to time the market. You never know when it's gonna, like, the war's gonna stop, when it's gonna sort of recover. As long as you're willing to hold it for that sort of allotted time frame, the the time in the market can outweigh just trying to time that market, and the markets themselves have taken a tiny bit of a a dip through the start of the year there. So even then, if they were to start recovering sort of in the next sort of few months there, you might see the potential upside. If the war continues and it creates that little bit more volatility too, you might see a little bit of it down before you start to see an up.\n\nBut, obviously, investing is that longer term game. And with that, if you're sort of willing to hold it that seven to eight year sort of ten year time frame with those investments, time in the market still as long as you hold and have high conviction within those investments, the market over those periods generally trends upwards there as well. And then, obviously, with that, it does increase your level of risk just at the moment with what is happening. But as long as you're comfortable with that risk and you're not gonna sort of panic sell out. You're not really losing money until such time that you do sell the investment.\n\nSo within regards to the portfolio we are recommending as well, it doesn't have any managed funds at the moment. So, obviously, it's a bit hard to pick winners with what is occurring at the moment. So the investments that we are recommending just is a index type investment. So it's like those ETF funds that follows and track those indexes over the world. We do have exposure across Europe, Japan, outside The US, The US itself, and Australia, which gives you a nice broad spectrum there that over the the long term, it should tick along and up nicely even though if it does see some volatility in the first sort of six to twelve months then, if that makes sense.\n\nYep. Perfect. Now with in regards to that, we just given that you are increasing your risk and you're a little bit more risk adverse, that's why also additionally why we didn't add those actively managed funds because much like with WorkCare with Benelung, they can have those really good years, and then they can also have the years where they perform, you know, that negative 20%, and it can really sort of start to have adverse effects depending on how much holdings you have. At the moment, Ben Long isn't it sort of huge holding in your portfolio and within superannuation. But if sort of both your actively managed funds did have a bad year, it would sort of impact the growth within your fund.\n\nThat makes sense? So within regards to that, you know, you'll have all the benefits of being ongoing clients still with that and then having it. You'll have those aggregated fees all in the one platform there. We could look at changing things that they have the the freedom of adjustments. And should you ever wanna sort of pull it out, you can.\n\nJust be mindful of the fact that within regards to the the interest and the the earnings on those sort of accounts, you do, like, form part of, like, individual tax returns. And I know you sort of already at that higher sort of income with the dividends you pay yourself even though they are frank. So if you weren't sort of franking those dividends, had a higher income, you're looking sort of potentially maybe, you know, additional taxes, things like that as well, which is something to be mindful of. Yeah. Because your base is around the $1.20.\n\nCorrect? And then the rest of that comes from, like, those frank dividends from your company that makes up the majority of the rest of your income? Yeah. Okay. The other alternatives we sort of did consider were investment bonds.\n\nSo they operate much like to an IDPS account, but they're held by a company. You can look at reducing taxes that way and the the overall cost of, like, the investment long term, but you do have to hold those for ten years for that benefit. And given that you might wanna sort of access them for early retirement, to to things down the future, should it be performing well enough that you feel like you wanna, you know, make other purchases, other investments, so we didn't lock it away for that ten years. And then we also considered some other providers there as well in terms of platforms who could hold it. That may be a tiny bit cheaper.\n\nBut given the fact that Hub twenty four has that aggregate trading, you get the benefit of having, you know, administration costs that are lowered by having the pooled fees and funds. We just recommended staying on the Hub twenty four platform, if that makes sense. Perfect. On page 20 there, you will see a breakdown of the investments. Now as I said, you don't have actively managed funds in this portfolio.\n\nIt is in line with the growth portfolio, which is around that eighty twenty split With that eighty twenty, sorry. On page 20, you'll see the breakdown of the actual investments you hold. Yeah. So that page and the next page will give you the breakdown not only of the the sort of split, but then your actual portfolio. Now at the moment, it's sort of saying that you sort of run 86% growth.\n\nThat's around 14% defensive, and that's because purely they've considered gold to be a full growth asset in the sense that, you know, the way gold has been performing, it's very capital in nature with what it has been sort of being able to do. And then with that, they have just considered to be fully growth. Now gold can be considered a bit of alternative where you do get that defensive portion that during market downturns as well. Gold tends to trickle up as opposed to that sort of negatively correlated. But so you looks like you're a little bit more overly exposed to growth assets, but that gold's considered a 100% growth at the moment.\n\nThat's around the 10%. With that, you do have a little bit exposure to the tech sort of space. And with the the cybersecurity, it's only 5% a bit of a satellite with how it has been sort of traveling. It's down at the moment, so they still do have conviction in that long term. So at the moment, if you bought in low and it sort of makes a nice recovery, that'll be a good point.\n\nIn regards to that as well, you do have nice exposure within, you know, Europe, Japan, outside The US, and then also inside The US and Australia, which gives you a nice sort of geographical range of investments as well as the companies that are composed within those sort of regions as well. You'll also have the iShares composite bond, which is purely just a defensive asset there, which aims to sort of protect that during market downturns a little bit as well. So you get nice amount of exposure, reduce sort of manager risk by not having those actively portions, finished portions. And then with that, over the long term, you know, those index investments tend to outperform managed portfolios over the long term period. Managed funds sort of tend to either do really well or sort of quite poorly, and they're sort of maybe sometimes in between.\n\nWhereas the indexes, if the markets are doing alright, they they tend to do alright as well, but you won't be able to sort of outperform whatever the markets are doing because you're basically trying to track those markets, if that makes sense. Yep. Did you need for me to explain, like, anything sort of more in-depth in regards to those index investments as opposed to having actively managed investments? So that that entire portfolio, that on that page 20 there, they're all indexed investments. So iShares tracks the top 500 companies, ISMP five hundred five hundred companies in America.\n\nBetaShares Australia tracks the top 200. Now it's fluid in the sense that if a company within those sort of regions on those exchanges there was to, you know, skyrocket in terms of, like, growth and price, if it makes it to those top 500, you'll hold it as an asset. If they sort of become an under performer and fall out of that top, like, 500, you won't hold it anymore, which is sort of dynamic in the sense that, you know, as companies grow and fall, you know, you're switching those investments dynamically along the way and just tracking those markets, whereas those managed funds aim to, you know, pick a few winning horses that they believe are gonna get that massive sort of growth, and they sort of try and outperform the market and trying to find those companies that have the high potential upsize, whereas you kind of hold the companies that are already sort of stable in those those top sort of brackets, if that makes sense. No. That's the personal investment one on page 20, the recommendation.\n\nYeah. Yep. So with the the fee of, like, the upfront investment cost of that, it's looking around $296,250 that'll be invested, and that's the breakdown of those investments. So your key holdings there will be the iShares of p 500 and the BetaShares Australian two hundred. The rest of them are sort of split to be more satellite.\n\nBut if they were to sort of not perform within those sort of regions or have a negative year, that your portfolio wouldn't be as negatively affected, whereas, you know, that your banking sort of on Australia and the the American market sort of tracking nicely over the next sort of seven to eight years in growth to be able to sort of get nice sustained income or, like, capital growth out of your investment. Perfect. If you scroll down to the page 22 there, you'll see the outline of the sort of ongoing investment costs of that. And with that, what it looks like in terms of the administration fees, investment costs, and then also the other fees and adviser fees that'll be attached to that. Now within regards to that one, I do see that they haven't done the the flat fee for that one.\n\nIt was just based on aggregate balance. So within regards to that one, we're recommending because you've got the two funds under OQN at the moment. There is that cap of 600,000 to just do a flat fee across the two accounts so that because you're already over 600,000 if you were to put that money under investment with us. We don't wanna sort of have you getting charged over with the the two accounts because with the split, if you sort of, you know, wants to grow more in that IDPS and you obviously superannuation is already over the 300,000, you would be getting charged more as a result of that. Now the the potential downside is that if there was a significant market dip with that flat fee for the twelve months, you might get charged more.\n\nBut given your superannuation sort of up around that sort of $3.60, 70 mark depending on what the market's doing at the moment, It'd have to drop quite significantly before that sort of negatively impacts you, if that makes sense as well. Now we did sort of just do a general cash rate in regards to, like, a three year rolling average there and then the the LA growth that we're sort of recommending you in that fund. Now with the investment cost, it obviously costs more than just holding it in cash. The administration fees, it hasn't done the full calculation as to the the pool balances there. So once they are pulled and under the same sort of platform there, it'll likely be less than that.\n\nWe can sort of get the calculations done to show you what that might look like in terms of overall administration fees across the two funds once we sort of get the the balances there. And then with the adviser fee, as I said, it would be a flat fee just to ensure that you're not getting charged overly, if that makes sense. Yep. And I'll just see what yeah. The on the on the page 31, once we get to it, it does highlight the fixed fee and what that'll be across two accounts, and then your ongoing there for the the insurances just as a a reminder of how much you would be paying.\n\nNow in regards to that hump 24, we're just recommending retain everything likely unchanged. Now, obviously, as a result of that pendulum and what did occur, I know we didn't talk about it too much in terms of changing superannuation investments because of how it was performing, and you're still pretty happy with the returns. But just for the long term, we're just thinking, you know, proactively to try and get rid of that now. You are sort of crystallizing a few of those losses that will go towards, you know, offsetting some future capital gains, which is not a bad thing. But with that, they just don't have the faith that it will be able to return from what it's gone down in a timely manner to where it's not sort of hindering your growth a little bit there as well, if that makes sense.\n\nYeah. It's like the difference between, like because, obviously, if something dips, you never sort of wanna sell low, buy high. But if you don't have conviction in the investment being able to return or perform, you know, over the long term, you're sort of better off taking a little bit of a loss there and going into an investment that is gonna get you that return because, you know, even if you you've already made the the loss in the sense that if it doesn't come back, you still sit at that level, whereas you take the loss offset some capital gains down the track because you are still holding the one fund, then, you know, you can be an investment that is making a more solid return. And then that way, you know, you have a better chance of recouping those losses in a different investment rather than sort of riding out much like the the hack that you currently hold with what did sort of go down there. And then what we're recommending, obviously, it's taken a dip, but they have conviction in that long term that it will recover.\n\nSo that's why they're looking at holding that investment versus, like, the Benelon, which they're looking at getting rid of. That makes sense. So that's what we're we're changing now. So I can't just go in and change your underlying investments. We do have to provide a document.\n\nIf things were, like, very sort of serious, you know, like COVID where they have sort of changed things to cash and just done, like, company wide changes, then they sort of sometimes do that. But to be proper and follow, like, you know, the law and letter to the law, we do have to that's why we do those annual reviews that each sort of year, we double check, see how things are going, whole conversation, look at doing those sort of changes. And then, obviously, that occurred sort of the end of last year there with that investment. So as we sort of come across that because it's only 10% or, like, 8.7 at the moment in your portfolio. It's not a significant driver in, like, your growth if it did have a bad year.\n\nBut in saying that, we're just sort of looking at changing that out now before it sort of goes worse or it just sort of stagnates for another twelve months. If you did sort of do, like, the regularly three months and things like that, we do sort of track it a little bit more, have more conversations with you. But as a minimum, we do the 12 monthly. And if we were to change any underlying investments, we do have to provide a statement of advice piece like this just to illustrate any product changes that we are doing to your portfolio. Perfect.\n\nThere is, under OQ, a separately managed account, which does sort of allow for them to change the underlying investments, but you get less sort of say in what goes into your portfolio and what doesn't because it's up to the managers of that strategically managed account, what they have in it and what they don't, and you just sort of pull your funds with anyone that is in that strategically managed account. And then they'd sort of regularly update or review that every quarter, and then that changes for everyone in those funds versus, like, your your investments are individual to sorta you even though there are a few portfolios in on their approved product list. If you sorta go, hey. I wanna put, you know, some sort of Tesla or things like that in my portfolios. You have the freedom to do that as opposed to those separately managed accounts where what's in those is purely from the investment committees.\n\nThey won't change those per year wishes versus, you know, having a fund like this where you do have a little bit more say in what goes in and what doesn't and sort of changes. Like you said, you can go on the the platform and have a little bit of a look at it. If you see something that you're not too fussed about, you don't like it, even if you looked at this report on what we're recommending in terms of it, if you look at that and go, hey. I actually don't want that investment in our portfolio. You have the freedom to be able to, you know, have a conversation without change those investments.\n\nObviously, you know, the portfolios are approved by the investment committee here, so that's a part of, like, the recommendations and the recommendations we make under Oakview. But with that, you do have a little bit of a say if you do want sort of specific sort of shares if they're available or certain holdings should you not want them. Perfect. In terms of the your current superannuation balance, it just shows you based on the the changes what that might look like. So with the investment change, they're moving that then along to that more passive Australian 200, the the beta shares.\n\nIt will actually save your investment costs ongoing. And then with that, because of the performance of that Benelong there, it does improve in performance slightly as well. Now the main thing with that one, you know, you see, performance is the one thing that's never guaranteed, which is, you know, the probably crap thing about receiving financial advice is nothing sort of guaranteed with the markets, especially what's going on. But with that one at least, you'll have the guaranteed savings that you'll be saving $372 a year and then hopefully get that bit of better performance as well for you. Perfect.\n\nAs part of that, obviously, you can go into the advantages and disadvantages a little bit more than that. Obviously, at the moment, the main sort of risks associated with the investments at the moment is, you know, when you're buying and selling at the moment with it is so volatile, you do sort of get, you know, those those dips and highs that when you're sort of out of the market, you may miss, like, potential growth upside peaks. With that, if it was to go down in that time, you do get the benefit of buying it at a lower cost. Same with in regards to putting that money into an investment now. Obviously, the markets are a little bit more volatile.\n\nThey have taken a little bit of a a dive, and then there's some peaks in there along the way as well. But if you're happy to ride out the volatility for at least over the next sort of six or so months where, you know, the the wall may continue and prices may soar in regards to certain things, they might sort of dip in regards to how things are progressing with their growth over that time frame. But if you're sort of happy investing, you know, that longer term sort of eight to to ten year mark with this investment, it shouldn't affect you too much in the long term in terms of, like, how the world reacts to wars. Funnily enough, although it does cause, like, short term volatility, it's not much like COVID where the effects are felt, like, as long term as those COVID type events. You do see that, you know, wars, Middle East, things like that, they do cause those blips on the the investment radar and what terms of, like, what does occur.\n\nBut over the long term, the markets tend to recover quite quickly in terms of, like, the the returns and how they sort of return. Much like with Trump and his tariff talk at the start of the year, you saw how much they affected the markets in terms of, like, how much it did drop. But, you know, three months later, it's back and above where that dip did occur, and it's still on the the rise, if that makes sense. Yeah. As as I said, sort of when it is sort of negatively correlated in terms of, like, what does occur, people tend to to go back to those harder currencies during that time frame.\n\nI do believe gold, because it was a bit of an all time high, there was a few sort of dips along the way there as well. But as a whole, it has sorta, you know, as a result of that, gone up a little bit in terms of that. I wouldn't say it's, like, skyrocketed much like it has over the past few years. But with that, it sort of I believe towards the end of last year, because it fell from its peak, it sort of took a bit of a dive, and then it's sort of trickling back up given what's happened over the start of the year there as well. But not to the extent that it did towards, you know, back back end of sort of 2024, 2025, where it did take a real big jump up in terms of, like, the price and what it was.\n\nBut, yeah, in saying that you will hold that as a portion of your your investment as well, which does help. Yeah. The problem is too is, like, when you are looking to retirement, that's when it sort of affects your portfolios more. I'd be a little bit more hesitant sort of if you were, like, you know, 58 and putting this as a portion of your retirement savings that you were saying to look to draw down on as well just because of the fact of where the markets are at the moment. But given, you know, you've still got plenty of sort of working life behind you, obviously, you wanna sort of look at potentially, you know, early retirement.\n\nThe good thing about having a business is sometimes you can step away and still have those in income that is coming in whether or not it's the same, but, you know, having employees that can still do some of the work for you and sort of doing transition to retirement, things like that as well. So you do have a little bit more flexibility in that sense. Your portfolio as a whole, because it is a bit more defensive with that balance growth within your superannuation, has been traveling quite well as opposed to, you know, some other other higher growth because they do have those more exposure to growth assets, which funnily enough is sort of, you know, those more defensive portfolios tend to do better when those sort of events do occur. So over twelve month period, your superannuation's at, like, 11.9%, which is up there in par with sort of high growth portfolios. With the with the changes there as well, with that a 200, it removes the underlying investment that isn't performing over the next sort of twelve months.\n\nAnd, hopefully, you do see a little bit more growth with that now being out of it. With the one being in the growth with that individual investment that we are recommending, like I said, you probably likely see a lot more volatility in that than you do in your superannuation. It's just important that, you know, you do hold through those sort of fluctuations if you are planning on investing for that longer term period. Yeah. It's yeah.\n\nYou just gotta be mindful to to not sort of panic sell and things like that. Obviously, we do make adjustments if things sort of were continuing on. With that, you can call up at any time. If you did have concerns, can talk about it and have conversations around it. And at any point, you can be like, I do wanna look at sort of transitioning out and things like that as well, and we can try and build some strategies around the best way to do that possible as well.\n\nYeah. And you've got yourself in a good position that, you know, with the the house a 100% offset, you know, a decent balance in your your superannuation plus a nice income from your business there that realistically you can afford to, you know, be able to to hold through those investments where you're likely not to need that in the event that something did go go wrong because with that considerable savings as well. But do you have any questions in regards to that, Michael, with the the investment recommendation or the the superannuation update there? It is yeah. Getting rid of it.\n\nYeah. Yeah. Like I said, selling low, buying high is a bit of the cardinal sin, but when they sort of do the metrics and have a look at it long term, they just don't have as much conviction in it. So they're just looking at changing it now and just using it to offset some some losses some gains moving forward with those those losses. But these only temps in your portfolio, so it's not like it's, you know, taking a a huge chunk out of it, which is which is nice at least, which is how you want those sort of active investments to work.\n\nThat when they're doing good, you get nice, but a little growth extra and outperform the market a tiny bit potentially. Whereas, you know, when they do take a bit of a dive, it's not too fantastic. And Ben along over the past couple years haven't been doing the best in terms of, like, what their sort of goal was in terms of returns. So with that and what did occur, they just, yeah, wanna move away from it. In regards to that investment hybrid there as well, as I said, we'd be looking to change that in the future.\n\nWith that one, though, we can sort of keep it because it is sort of available for the the next few years there at least as well. And then we'll probably look at changing that for an alternative, whether that's through, like, a a recommendation or just an ROA to the record of advice to change that to an alternative product that matches up with what it's currently in just because purely the fact that they they won't be available after 2032. No problem. Obviously, have a chance to have a read through that, you know, do a bit of your own research. The appendix there does have links to all the investments that are recommended just to be able to have a look through that, see how you feel about it, and then sort of go right with the the risks.\n\nObviously, you know, we did consider those few alternatives, so feel free to you don't have a think, see how you feel about that. Obviously, being on the one platform, as I said, you do get the benefits of it all being in, you know, one stop shop, all your reporting, things like that, in addition to the fact that you do save on administration costs as well. So likely that the fees charged for admin moving forward will be less than what's outlined. In regards to the adviser fee, as I said, they are looking at doing that fixed fee. So in terms of what does come out because of the funds under management at that cap, so it'll be 4,950 for for each fund for managing of that fee.\n\nUntil such time that they change the fee structure, it will stay at that fixed fee amount as long as you sort of balance, you know, stays above that 600,000. If you were to withdraw a large chunk of your sort of individual investment there moving forward. The next sort of interview, they'll they'll adjust the fee to make sure that you aren't sort of getting charged as much if you were to follow that 600,000. And then because we do receive an ongoing for your MLC insurances, we'll just disclose that fee there as well. It's not an additional cost to you.\n\nIt's just what MLC provide us for monitoring and maintaining that policy. We just outline it because it is a remuneration that we do get from that premium that you do pay. Does that make sense? Yep. I'll just bring up the the exact amount that the the last time.\n\nBear with me. Have you got other insurances there as well? Okay. Yeah. Because it's because, obviously, we haven't spoken before.\n\nI'd sort of did your your last review there, and I wasn't aware that you still had external insurances with that one. So I'm just trying to find his certificate of currency without having to to log in. Looks like I'm gonna have to log in quickly. So what cover do you hold? Like, do you have certain business covers or, like, actual personal?\n\nWould you mind, like, sending through those certificates of currency for me so I can have a look at those and what cover you do have? Okay. Yep. Let me just double check. So I'm just waiting for it to load up.\n\nSorry. So I'm just bringing up your policy, so I'm not just making up figures. So MLC did become a sender, and you do have the life cover for five hundred and twenty five thousand and total permanent disability for the the the same amount there of five hundred and twenty five thousand as well. Yeah. I believe they do like, at the top there list what insurances you do hold on that same advice.\n\nI was just making sure that it was correct, like, and when it comes to your current situation under your details there. Yeah. So on On page nine there, you'll see that MLC, yeah, cover that you do have there as well, and those figures are accurate from what I'm looking at there. Okay. Too much attention away from him.\n\nAnd so you've got policy that is in that MLC or like a sender, maybe named different when you get sort of reviews in the mail. You have a direct debit that pays Yeah. I believe that one's through super rollover for that one. So oh, Oh, you've got a towel policy as well. Yeah.\n\nCan you send through that detail as well? That's the ticket of currency if you can get a copy of that one, and we'll have a a look at that and see what you're covered for. And then we'll review your insurances as part of that because, obviously, I was only aware of that MLC one that you did have there. So don't yeah. I'll I'll have a look at once you sort of send that through what your original advice was and if that was to to cancel or not if they were aware of that one or if it was a separate one.\n\nOkay. Yep. I'm just gonna have a yeah. Because depending on Lifecom, I'm not too sure what did occur. Like, they'll either, like, write you a letter to the sign and send off to be able to cancel those, or if you'd happy canceling himself, they just leave it with you.\n\nObviously, they should probably check up in regards to that, your next interview, if you do have them or not. But I'm just having a look through that statement of advice. I'm just having can't see any mention of a a towel policy. Because MLC became like a sender. And if you had oh, yeah.\n\nSt. George, there's sometimes the underwriter. Like, people will take over policies, and that might have been taken on the old St. George policies that they no longer offer, and they sort of been grandfathered. Oh, okay.\n\nSo it might be more of like a home loan. Yeah. Okay. So it might just be, like, attached to your home loan and the what's remaining on the home loan in terms of, like, if you were to pass, it would like, a mortgage type cover, it would cover the remainder of your mortgage. I have seen a few of those previously, but if you don't mind sending that through, Michael, we'll have a look at it and just confirm what type of policy it actually is and then have a conversation with you, see if you do wanna hold it or not.\n\nNo problem. Yeah. So it might sort of be null and void in the sense that, like, you're only covering for money that, like, you could essentially just pay off anyway should anything do go wrong. Plus you do have the life cover with MLC or a sender depending on the name that you see. They have obviously changed that as well.\n\nYeah. Do you have the info at OQ Financial or just my personal email there? Probably don't reply to that one just because it's linked to that Odoo. I don't know how that sort of returns. So if you just respond to, like, a info@oqfinancial.com.au, or you can send it to my personal, which is kyle, khyl,@OakviewFinancial.com.au.\n\nPerfect. Once it sort of comes through, we'll have a a look through that and just to see if it's what type, as I said, policy it is, if it's worth keeping or not, you might sort of, yeah, just look at removing it. But with that, if you do want us to review everything entirely, we can do that, provide another advice piece. Otherwise, we can give you some general information and do sort of just a general information. You can make a decision off that depending on how long you wanna wait for another advice document, if that makes sense as well.\n\nPerfect. But do you have any other questions in regards to the advice piece at all today, Michael? Perfect. Have a chance to read through it, see if you're happy with everything. There is the fixed fee arrangement for your superannuation.\n\nOnce you were to be, like, happy with that or not, because they do require, like, bank details and how you would deposit it, they'll just contact you once you were to sign that document. They'll organize the actual application for the IDPS, add the bank details, everything like that, get that signed, and get that on the way as well as part of the implementation once you were to sign the document or not. Perfect. Yeah. So sometimes, like, just to open it, you can just sort of do a certain fee and then be able transfer with the details from that as well.\n\nBut that'll be able to explain all that and sort of the options you do have in terms of, like, the direct debits and things like that, whether or not you do, like, the full amount upfront or whether or not you sort of, you know, open the account with x amount and then sort of just transfer the rest in at a later date when you've got all the details and everything. Not a problem. Because, yeah, there's not an upfront fee with that account anyway. So with that, it's just the ongoing, and that'll be charged just like a flat monthly amount, which won't fluctuate with the market. So it'll just be set for getting up to that fee for the twelve month period.\n\nBut if you don't have any questions for me there, Michael, as I said, have a bit of read through, see if you're happy with it. Otherwise, I'll let you get back to you in your morning. Thanks for your time today. Yeah. Just click that link, sign the document.\n\nOnce they get that and sort of action that, they'll get in contact with you to arrange that application. Not a problem at all, Michael. Well, thanks for your time. If you have any questions, shoot us an email, give us a call. And when I see your email come through with that insurance information, I'll give it a look for you there.\n\nBye. No problem at all. Enjoy the rest of your day, Michael. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Michael.","start":2.24,"end":2.8799999,"sentiment":"positive","sentiment_score":0.4599937895933787},{"text":"It's Carl calling from OQ Financial.","start":2.8799999,"end":4.4,"sentiment":"neutral","sentiment_score":0.27879281838734943},{"text":"How are you today?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.30688633024692535},{"text":"Yeah.","start":6.72,"end":7.04,"sentiment":"neutral","sentiment_score":0.2797287702560425},{"text":"Not too bad at all.","start":7.04,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.33105272352695464}],"sentiment":"neutral","sentiment_score":0.32711978884119736,"num_words":19,"start":2.24,"end":7.7599998},{"sentences":[{"text":"Thanks for asking.","start":7.7599998,"end":8.4,"sentiment":"positive","sentiment_score":0.6841280659039816},{"text":"I've got you scheduled in for your statement advice presentation this morning.","start":8.4,"end":11.04,"sentiment":"positive","sentiment_score":0.40333175410827},{"text":"Is now still a good time for you?","start":11.04,"end":12.585,"sentiment":"positive","sentiment_score":0.34927844256162643},{"text":"Perfect.","start":14.105,"end":14.505,"sentiment":"positive","sentiment_score":0.5324450731277466},{"text":"Just to jump into that one today, Mark, if I just pass through security with that name, date, and birth, and current address, we can get stuck into it.","start":14.505,"end":20.125,"sentiment":"neutral","sentiment_score":0.2680344756307273}],"sentiment":"positive","sentiment_score":0.33947240856458555,"num_words":53,"start":7.7599998,"end":20.125},{"sentences":[{"text":"Yep.","start":24.425,"end":24.84,"sentiment":"neutral","sentiment_score":0.021115338429808617},{"text":"Right.","start":30.76,"end":31.08,"sentiment":"neutral","sentiment_score":0.2034584879875183},{"text":"Perfect.","start":31.08,"end":31.56,"sentiment":"positive","sentiment_score":0.40329238772392273},{"text":"And then just to confirm too, Michael, just because there was a little bit of a, you know, back and forth there with you potentially speaking to the mortgage broker with the investment.","start":31.56,"end":39.515,"sentiment":"neutral","sentiment_score":0.059329541117855995},{"text":"And I can just confirm that in regards to your details, nothing's sort of significant changed in the last sort of few months since we last sort of confirmed those.","start":39.515,"end":48.575,"sentiment":"neutral","sentiment_score":-0.02039961746583382}],"sentiment":"neutral","sentiment_score":0.029905341622052772,"num_words":66,"start":24.425,"end":48.575},{"sentences":[{"text":"Brent occupation, you know, still self employed, still running the business.","start":50.25,"end":53.29,"sentiment":"neutral","sentiment_score":-0.10309780118140308},{"text":"No sort of changes to dependents or all that sort of good stuff.","start":53.29,"end":56.329998,"sentiment":"neutral","sentiment_score":0.004956014597645173},{"text":"Perfect.","start":56.329998,"end":56.829998,"sentiment":"positive","sentiment_score":0.3668254613876343},{"text":"Not a problem at all.","start":57.29,"end":58.59,"sentiment":"neutral","sentiment_score":0.219785612821579},{"text":"Now I will be sending this through there to MickMerse74@Gmail.com, and then we'll just run through that one quickly.","start":58.73,"end":68.075,"sentiment":"neutral","sentiment_score":0.17071818795643354}],"sentiment":"neutral","sentiment_score":0.07428064231513715,"num_words":49,"start":50.25,"end":68.075},{"sentences":[{"text":"How much time do you have there this morning, Mark?","start":68.134995,"end":69.895,"sentiment":"neutral","sentiment_score":0.06754269488155842},{"text":"Because I can make it a a little more brief and give you a chance to run through it yourself and come back with any questions, or I can go, like, a little bit more in-depth depending on, you know, how much time you wanna talk to me on the phone this morning.","start":69.895,"end":79.12,"sentiment":"neutral","sentiment_score":0.1381756546643545},{"text":"Perfect.","start":83.26,"end":83.76,"sentiment":"neutral","sentiment_score":0.2733544409275055},{"text":"Great.","start":87.5,"end":88.0,"sentiment":"positive","sentiment_score":0.49709630012512207},{"text":"So that should come through shortly.","start":88.985,"end":90.825,"sentiment":"neutral","sentiment_score":0.3160532961289088}],"sentiment":"neutral","sentiment_score":0.15021841075848524,"num_words":71,"start":68.134995,"end":90.825},{"sentences":[{"text":"Now it's Odoo instead of the DocuSign you probably previously used.","start":90.825,"end":94.505,"sentiment":"neutral","sentiment_score":0.03615015525032173},{"text":"I'm not too sure if you've signed an OdooSign before.","start":94.505,"end":96.845,"sentiment":"neutral","sentiment_score":-0.03225813349708915},{"text":"Similar to DocuSign, it just comes through in an email from Oakview via Odoo.","start":97.065,"end":101.305,"sentiment":"neutral","sentiment_score":0.05149369447359017},{"text":"It'll say it came from myself, Kyle Giddings.","start":101.305,"end":103.405,"sentiment":"neutral","sentiment_score":0.020526271808193997},{"text":"Now with that one there, they'll have some attachments.","start":104.0,"end":106.08,"sentiment":"neutral","sentiment_score":0.09879031363460752}],"sentiment":"neutral","sentiment_score":0.03556355947288326,"num_words":52,"start":90.825,"end":106.08},{"sentences":[{"text":"So that's your supporting documentation as well as your your statement of advice there.","start":106.08,"end":109.76,"sentiment":"neutral","sentiment_score":0.15841897736702645},{"text":"In addition to that, you'll also have there the link to sign the signable document should you be happy with the advice.","start":109.76,"end":116.72,"sentiment":"neutral","sentiment_score":0.2436470098116181},{"text":"But you don't need to click on that link.","start":116.72,"end":118.32,"sentiment":"neutral","sentiment_score":0.0934864663415485},{"text":"You can just click on the the statement advice and the the attachments there.","start":118.32,"end":121.515,"sentiment":"neutral","sentiment_score":0.14218510634132794},{"text":"We can run through it together.","start":121.515,"end":122.395,"sentiment":"neutral","sentiment_score":0.23577320079008737}],"sentiment":"neutral","sentiment_score":0.18191859676287725,"num_words":65,"start":106.08,"end":122.395},{"sentences":[{"text":"You can take as much time to sort of read through it there as well.","start":122.395,"end":125.615,"sentiment":"neutral","sentiment_score":0.23509334524472555},{"text":"Now this one was finalized on the March 2 then, so they're valid for for sixty days from that date.","start":125.835,"end":132.875,"sentiment":"neutral","sentiment_score":0.3193319745361805},{"text":"Obviously, just took a little bit there to to get it booked in from when it was finalized with the the business being a little bit busy.","start":132.875,"end":137.88,"sentiment":"neutral","sentiment_score":0.0010573596314147667},{"text":"But in saying that, if you sort of take a little bit longer than that, we can just confirm you a few details, update a few figures, and it should be fine there as well.","start":137.88,"end":144.94,"sentiment":"neutral","sentiment_score":0.23485669153077263},{"text":"But you still got plenty of time to be able to read through that and make a a decision there.","start":145.16,"end":148.905,"sentiment":"neutral","sentiment_score":0.22343619018793107}],"sentiment":"neutral","sentiment_score":0.19342133663913125,"num_words":117,"start":122.395,"end":148.905},{"sentences":[{"text":"Now has that one come through to you there?","start":150.825,"end":154.285,"sentiment":"neutral","sentiment_score":0.11401090108686024},{"text":"Perfect.","start":154.665,"end":155.165,"sentiment":"positive","sentiment_score":0.5004022717475891},{"text":"If you could just open up the that statement advice.","start":155.705,"end":158.44499,"sentiment":"neutral","sentiment_score":0.11916597094386816},{"text":"Not a problem at all.","start":163.56,"end":165.18,"sentiment":"neutral","sentiment_score":0.10609296187758446},{"text":"Yeah.","start":168.12,"end":168.52,"sentiment":"neutral","sentiment_score":0.00752069428563118}],"sentiment":"neutral","sentiment_score":0.12523636902467564,"num_words":26,"start":150.825,"end":168.52},{"sentences":[{"text":"Yeah.","start":168.52,"end":169.02,"sentiment":"neutral","sentiment_score":-0.019368615001440048},{"text":"No.","start":169.95999,"end":170.2,"sentiment":"neutral","sentiment_score":-0.09957609325647354},{"text":"Completely understandable.","start":170.2,"end":171.26,"sentiment":"neutral","sentiment_score":-0.1593366414308548},{"text":"It is a lot of words coming at you as well.","start":171.72,"end":173.48,"sentiment":"neutral","sentiment_score":-0.16582345420664008},{"text":"So, you know, I do recommend sort of after the the phone call digest a little bit, take a bit a bit of time to have a quick look through the document.","start":173.48,"end":179.995,"sentiment":"neutral","sentiment_score":0.0030030308989807968}],"sentiment":"neutral","sentiment_score":-0.04607614890692082,"num_words":47,"start":168.52,"end":179.995},{"sentences":[{"text":"It is quite straightforward in the sense that we are just looking at that investment account for you.","start":180.135,"end":185.495,"sentiment":"neutral","sentiment_score":0.17564087154136765},{"text":"And then we're also just looking at making a couple of tweaks to superannuation.","start":185.495,"end":189.355,"sentiment":"neutral","sentiment_score":0.09532126943979945},{"text":"I know we didn't discuss that really in terms of making too many changes, but just as a business decision, they came out with a few adjustments in part like, in terms of some underlying assets, and I'll let you know what those are and what the the changes will be and what that looks like.","start":189.495,"end":205.995,"sentiment":"neutral","sentiment_score":0.12282335977735263},{"text":"Have you got that one up there in front of you there, Michael, now?","start":220.09,"end":222.82999,"sentiment":"neutral","sentiment_score":0.07353805444602456},{"text":"The the statement advice?","start":224.17,"end":225.39,"sentiment":"neutral","sentiment_score":0.028554816264659166}],"sentiment":"neutral","sentiment_score":0.1180933361767598,"num_words":106,"start":180.135,"end":225.39},{"sentences":[{"text":"Yep.","start":228.01,"end":228.51,"sentiment":"neutral","sentiment_score":0.1105126291513443},{"text":"So on the the third page there, you do see the the scoping and what's considered in the statement advice.","start":229.04999,"end":234.285,"sentiment":"neutral","sentiment_score":0.09084985293447971},{"text":"So, obviously, consider the personal investment of you wanting to invest that 300,000 in that long term sort of strategy to be able to have that invested in something other than your superannuation, have that invested a little bit more aggressively than your superannuation.","start":234.285,"end":246.8,"sentiment":"neutral","sentiment_score":0.30134695768356323},{"text":"In addition to that one, as I said, we're just looking at updating a few underlying assets in that.","start":247.5,"end":252.62,"sentiment":"neutral","sentiment_score":0.06927202720391124},{"text":"So as a business decision, there's a fund that you hold called Bennelong.","start":252.62,"end":255.52,"sentiment":"neutral","sentiment_score":0.03950459925601116}],"sentiment":"neutral","sentiment_score":0.17542787766103277,"num_words":97,"start":228.01,"end":255.52},{"sentences":[{"text":"Now within regards to that, you don't have the most significant holding of it, but I'm not too sure if I I mentioned to you previously, but they have an underlying asset there called corporate traveler.","start":256.125,"end":266.76498,"sentiment":"neutral","sentiment_score":-0.029834987543937232},{"text":"Now with that one at the end of sort of last year, they were identified as not account like, keeping accounting records correctly.","start":266.76498,"end":273.65,"sentiment":"neutral","sentiment_score":-0.12980699182852454},{"text":"And as a result of that, they were on a trading hold.","start":273.79,"end":275.95,"sentiment":"neutral","sentiment_score":-0.1698318806787332},{"text":"Bennelong had to re sort of value that and with that trading hold.","start":275.95,"end":280.67,"sentiment":"neutral","sentiment_score":-0.1931354563969832},{"text":"And then also people lost a bit of consumer confidence with the Bennelong fund itself for having that underlying investment that's caused that significant dip.","start":280.67,"end":289.055,"sentiment":"negative","sentiment_score":-0.5473439431190491}],"sentiment":"neutral","sentiment_score":-0.20451341690751937,"num_words":109,"start":256.125,"end":289.055},{"sentences":[{"text":"So within regards to that, we are looking at replacing that just because over the long term, the investment key does believe that they will be able to recover and perform consistently to the point where they were previously.","start":289.675,"end":300.83,"sentiment":"neutral","sentiment_score":0.07471992457524324},{"text":"Now as a result of that, you you only have around the 8.6% in Benelong at the moment, so we'd be looking at replacing that with a an index fund that is within the Australian region.","start":301.85,"end":313.095,"sentiment":"neutral","sentiment_score":0.07479416102998787},{"text":"It is a bit cheaper of an investment, and you don't have that actively managed portion to that.","start":313.23502,"end":317.475,"sentiment":"neutral","sentiment_score":0.21047092353304228},{"text":"You'll still have some active management in the ClearBridge rare infrastructure fund that you do have in there currently.","start":317.475,"end":323.91,"sentiment":"neutral","sentiment_score":0.19367968173403488},{"text":"And then we're also looking at replacing just the bank hybrids, and that's purely because of the fact that they are phasing those out as a product, and we're just looking at removing it and replacing it with an alternative in the event that sort of, you know, you did hold them up to the point where you can no longer hold them as an asset, if that makes sense.","start":324.28998,"end":340.565,"sentiment":"neutral","sentiment_score":0.06731609670179231}],"sentiment":"neutral","sentiment_score":0.09773178132516998,"num_words":182,"start":289.675,"end":340.565},{"sentences":[{"text":"That's in your super that yeah.","start":343.745,"end":345.505,"sentiment":"positive","sentiment_score":0.3573247840007146},{"text":"That's in your your superannuation in regards to those underlying investments.","start":345.505,"end":349.21,"sentiment":"neutral","sentiment_score":0.18129183690656314},{"text":"The rest of portfolio has been tracking quite nicely.","start":349.35,"end":351.77,"sentiment":"neutral","sentiment_score":0.2475173357460234},{"text":"So as a result of that, we are not looking at changing that.","start":352.23,"end":354.95,"sentiment":"neutral","sentiment_score":-0.05295277386903763},{"text":"We're just looking at changing in regards to that that Ben along to that BetaShares Australian two hundred.","start":354.95,"end":361.85,"sentiment":"neutral","sentiment_score":0.04375715305407842}],"sentiment":"neutral","sentiment_score":0.11342206362046693,"num_words":57,"start":343.745,"end":361.85},{"sentences":[{"text":"And then with the the bank hybrids there, we can look at sorta you can hold them up until 2032.","start":363.135,"end":370.115,"sentiment":"neutral","sentiment_score":0.04504652945324779},{"text":"So just be mindful of that.","start":370.175,"end":371.535,"sentiment":"neutral","sentiment_score":-0.05671877910693487},{"text":"Like, you hold them until sorta such time that we need to replace them just so you're aware that that's another change that will be coming.","start":371.535,"end":377.715,"sentiment":"neutral","sentiment_score":-0.06487367029946584},{"text":"Yep.","start":379.52002,"end":379.84,"sentiment":"neutral","sentiment_score":0.26364707946777344},{"text":"Perfect.","start":379.84,"end":380.34,"sentiment":"positive","sentiment_score":0.48415160179138184}],"sentiment":"neutral","sentiment_score":-0.0070055339278446305,"num_words":54,"start":363.135,"end":380.34},{"sentences":[{"text":"Now as far as the the same advice itself is quite simple in the sense that we're recommending that you establish a personal investment account with the Hub 24 platform where you hold your superannuation at the moment.","start":381.2,"end":393.015,"sentiment":"neutral","sentiment_score":0.26784290922315496},{"text":"Now one of the benefits of that is that you do get linked admin fees for your funds under management.","start":393.255,"end":398.535,"sentiment":"positive","sentiment_score":0.5173582687973977},{"text":"So as a result of that, it'll actually lower your overall administration costs for holding the the funds under the one platform.","start":398.535,"end":405.355,"sentiment":"positive","sentiment_score":0.5075076723640616},{"text":"On page 70, you will see just your general details.","start":406.68,"end":409.9,"sentiment":"neutral","sentiment_score":0.14582045674324035},{"text":"If you do wanna confirm they are correct and haven't sort of changed, on the page over, you will see those assets and liabilities.","start":410.36002,"end":415.66,"sentiment":"neutral","sentiment_score":0.15196673603107533}],"sentiment":"neutral","sentiment_score":0.3227699206194334,"num_words":114,"start":381.2,"end":415.66},{"sentences":[{"text":"And then the next page over, you'll be able to see your your current balance within your hub 24 and then also your insurances that you do hold, which we're not looking at changing at the moment, if that makes sense.","start":416.04,"end":425.315,"sentiment":"neutral","sentiment_score":0.04421062967399272},{"text":"Just while you're having a look through those, so your risk profile with superannuation, you still agreed to keep that balanced growth portfolio.","start":431.055,"end":438.52002,"sentiment":"neutral","sentiment_score":-0.01863098427977251},{"text":"You don't wanna look at increasing that you're happy with how that's traveling within a balanced growth profile.","start":438.58002,"end":442.6,"sentiment":"neutral","sentiment_score":0.04299498183859719},{"text":"Within regards to the IDPS investment, you did state that you wanted to have a little bit more exposure, even sort of generally we do it the other way around having a little bit more in suit because you can't touch it and a little less in, like, your IDPS accounts because you can draw down on them.","start":443.30002,"end":457.11502,"sentiment":"neutral","sentiment_score":0.021170076055066853},{"text":"But you wanted to bump it up just to that growth, which is around that eighty twenty split, if you remember that conversation.","start":457.17502,"end":461.83502,"sentiment":"neutral","sentiment_score":0.17336374618436978}],"sentiment":"neutral","sentiment_score":0.045234744936982,"num_words":163,"start":416.04,"end":461.83502},{"sentences":[{"text":"Yep.","start":464.91,"end":465.41,"sentiment":"neutral","sentiment_score":0.11639289557933807},{"text":"Yeah.","start":466.43,"end":466.75,"sentiment":"neutral","sentiment_score":0.17833848297595978},{"text":"Yeah.","start":466.75,"end":467.15,"sentiment":"neutral","sentiment_score":0.20393714308738708},{"text":"So within regards to your your balance growth, there can be sort of anywhere between 60 to 70% growth assets, whereas the the the growth fund is about the eighty twenty sort of split around those sort of marks.","start":467.15,"end":481.005,"sentiment":"neutral","sentiment_score":0.11543956437172034},{"text":"Now in regards to the recommendation for the the personal investment, as I said, we're recommending you do it on hub twenty four for the benefits of the aggregate trading, having it all under the one sort of place.","start":481.785,"end":493.04,"sentiment":"neutral","sentiment_score":0.3198902312761698}],"sentiment":"neutral","sentiment_score":0.2157596364433383,"num_words":81,"start":464.91,"end":493.04},{"sentences":[{"text":"You don't have to have two separate accounts in regards to that.","start":493.04,"end":495.91998,"sentiment":"neutral","sentiment_score":0.1968736151854197},{"text":"You'll be able to view it under your sort of one portal with the the linked account there.","start":495.91998,"end":500.5,"sentiment":"positive","sentiment_score":0.3469831951790386},{"text":"You're a bit more familiar with Hub twenty four as well, and you get the benefit of those reduced fee costs.","start":500.63998,"end":505.035,"sentiment":"positive","sentiment_score":0.4897693849745251},{"text":"Now in regards to why it's been your best interest there, we determine that Hub twenty four would be the most appropriate based on the the potential for the capital growth with the portfolios that we can build on that in conjunction with holding it with your your superannuation there as well.","start":505.435,"end":519.295,"sentiment":"neutral","sentiment_score":0.32978311295692736},{"text":"Much like your superannuation, we review it as a minimum every twelve months.","start":519.89,"end":523.09,"sentiment":"neutral","sentiment_score":0.1459047977740948}],"sentiment":"neutral","sentiment_score":0.32705881228220873,"num_words":116,"start":493.04,"end":523.09},{"sentences":[{"text":"You can have more regular reviews as well.","start":523.09,"end":525.27,"sentiment":"neutral","sentiment_score":0.14788113348186016},{"text":"Having a growth portfolio, you're sort of looking at that sort of seven to eight year time frame of holding it to try and get those average returns with the fluctuations in the market.","start":526.29,"end":533.535,"sentiment":"neutral","sentiment_score":0.14121732773149714},{"text":"Now I'm sure you're aware of, like, what's happening currently with the, you know, the wars in Iran and everything like that.","start":533.69495,"end":538.495,"sentiment":"neutral","sentiment_score":-0.22230252267962153},{"text":"The markets are a little bit volatile at the moment.","start":538.495,"end":540.995,"sentiment":"negative","sentiment_score":-0.36843565106391907},{"text":"So there's something yeah.","start":541.375,"end":546.52997,"sentiment":"neutral","sentiment_score":-0.08486178610473871}],"sentiment":"neutral","sentiment_score":-0.03756437106774403,"num_words":78,"start":523.09,"end":546.52997},{"sentences":[{"text":"In saying that too, so although it is quite a volatile time, you may see some, like, ups and downs in the first sort of six to twelve months within that, but timing the market's better than sort of trying to time the market.","start":546.67,"end":559.14996,"sentiment":"neutral","sentiment_score":-0.13351744379509578},{"text":"You never know when it's gonna, like, the war's gonna stop, when it's gonna sort of recover.","start":559.14996,"end":562.745,"sentiment":"neutral","sentiment_score":-0.16312034208984935},{"text":"As long as you're willing to hold it for that sort of allotted time frame, the the time in the market can outweigh just trying to time that market, and the markets themselves have taken a tiny bit of a a dip through the start of the year there.","start":562.885,"end":574.58,"sentiment":"neutral","sentiment_score":-0.113137315654633},{"text":"So even then, if they were to start recovering sort of in the next sort of few months there, you might see the potential upside.","start":574.58,"end":579.54004,"sentiment":"neutral","sentiment_score":0.04502414509654045},{"text":"If the war continues and it creates that little bit more volatility too, you might see a little bit of it down before you start to see an up.","start":579.54004,"end":586.02,"sentiment":"neutral","sentiment_score":-0.3071750232885624}],"sentiment":"neutral","sentiment_score":-0.13398788937526504,"num_words":164,"start":546.67,"end":586.02},{"sentences":[{"text":"But, obviously, investing is that longer term game.","start":586.02,"end":588.895,"sentiment":"neutral","sentiment_score":0.17786938464269042},{"text":"And with that, if you're sort of willing to hold it that seven to eight year sort of ten year time frame with those investments, time in the market still as long as you hold and have high conviction within those investments, the market over those periods generally trends upwards there as well.","start":589.435,"end":603.56,"sentiment":"neutral","sentiment_score":0.26832656449866743},{"text":"And then, obviously, with that, it does increase your level of risk just at the moment with what is happening.","start":604.02,"end":608.76,"sentiment":"neutral","sentiment_score":-0.1754618151113391},{"text":"But as long as you're comfortable with that risk and you're not gonna sort of panic sell out.","start":609.06,"end":612.94495,"sentiment":"neutral","sentiment_score":-0.0008538431591457799},{"text":"You're not really losing money until such time that you do sell the investment.","start":612.94495,"end":616.625,"sentiment":"neutral","sentiment_score":-0.026447074753897532}],"sentiment":"neutral","sentiment_score":0.1039769776099551,"num_words":113,"start":586.02,"end":616.625},{"sentences":[{"text":"So within regards to the portfolio we are recommending as well, it doesn't have any managed funds at the moment.","start":616.625,"end":623.505,"sentiment":"neutral","sentiment_score":-0.005055039003491402},{"text":"So, obviously, it's a bit hard to pick winners with what is occurring at the moment.","start":623.505,"end":626.565,"sentiment":"neutral","sentiment_score":-0.20280926278792322},{"text":"So the investments that we are recommending just is a index type investment.","start":626.70496,"end":631.07,"sentiment":"neutral","sentiment_score":0.19246845749708322},{"text":"So it's like those ETF funds that follows and track those indexes over the world.","start":631.07,"end":637.55,"sentiment":"neutral","sentiment_score":0.191688605149587},{"text":"We do have exposure across Europe, Japan, outside The US, The US itself, and Australia, which gives you a nice broad spectrum there that over the the long term, it should tick along and up nicely even though if it does see some volatility in the first sort of six to twelve months then, if that makes sense.","start":637.55,"end":657.87,"sentiment":"neutral","sentiment_score":0.2303433084282382}],"sentiment":"neutral","sentiment_score":0.12615804859727134,"num_words":122,"start":616.625,"end":657.87},{"sentences":[{"text":"Yep.","start":659.37,"end":659.61,"sentiment":"neutral","sentiment_score":0.3271235227584839},{"text":"Perfect.","start":659.61,"end":660.11,"sentiment":"neutral","sentiment_score":-0.035951633006334305},{"text":"Now with in regards to that, we just given that you are increasing your risk and you're a little bit more risk adverse, that's why also additionally why we didn't add those actively managed funds because much like with WorkCare with Benelung, they can have those really good years, and then they can also have the years where they perform, you know, that negative 20%, and it can really sort of start to have adverse effects depending on how much holdings you have.","start":661.77,"end":681.33,"sentiment":"neutral","sentiment_score":-0.31599756051976996},{"text":"At the moment, Ben Long isn't it sort of huge holding in your portfolio and within superannuation.","start":681.57,"end":686.23004,"sentiment":"neutral","sentiment_score":-0.27522363557535057},{"text":"But if sort of both your actively managed funds did have a bad year, it would sort of impact the growth within your fund.","start":686.93,"end":692.63,"sentiment":"negative","sentiment_score":-0.4237876112262408}],"sentiment":"neutral","sentiment_score":-0.323701032599996,"num_words":126,"start":659.37,"end":692.63},{"sentences":[{"text":"That makes sense?","start":695.58496,"end":696.485,"sentiment":"neutral","sentiment_score":0.17131281892458597},{"text":"So within regards to that, you know, you'll have all the benefits of being ongoing clients still with that and then having it.","start":697.185,"end":703.82495,"sentiment":"positive","sentiment_score":0.4967868975971056},{"text":"You'll have those aggregated fees all in the one platform there.","start":703.82495,"end":707.05,"sentiment":"positive","sentiment_score":0.46360011805187573},{"text":"We could look at changing things that they have the the freedom of adjustments.","start":707.05,"end":710.17,"sentiment":"positive","sentiment_score":0.34129721352032255},{"text":"And should you ever wanna sort of pull it out, you can.","start":710.17,"end":712.51,"sentiment":"neutral","sentiment_score":0.2947026540835698}],"sentiment":"positive","sentiment_score":0.4024481148946853,"num_words":63,"start":695.58496,"end":712.51},{"sentences":[{"text":"Just be mindful of the fact that within regards to the the interest and the the earnings on those sort of accounts, you do, like, form part of, like, individual tax returns.","start":712.81,"end":721.79504,"sentiment":"neutral","sentiment_score":0.04633884772192687},{"text":"And I know you sort of already at that higher sort of income with the dividends you pay yourself even though they are frank.","start":721.79504,"end":727.715,"sentiment":"neutral","sentiment_score":0.022542643671234448},{"text":"So if you weren't sort of franking those dividends, had a higher income, you're looking sort of potentially maybe, you know, additional taxes, things like that as well, which is something to be mindful of.","start":727.715,"end":743.84,"sentiment":"neutral","sentiment_score":-0.08977224741663252},{"text":"Yeah.","start":743.84,"end":744.16003,"sentiment":"neutral","sentiment_score":0.11280830204486848},{"text":"Because your base is around the $1.20.","start":744.16003,"end":746.08,"sentiment":"neutral","sentiment_score":0.1154317557811737}],"sentiment":"neutral","sentiment_score":-0.001993247392502698,"num_words":99,"start":712.81,"end":746.08},{"sentences":[{"text":"Correct?","start":746.08,"end":746.32,"sentiment":"neutral","sentiment_score":0.10661038756370544},{"text":"And then the rest of that comes from, like, those frank dividends from your company that makes up the majority of the rest of your income?","start":746.32,"end":752.445,"sentiment":"neutral","sentiment_score":0.13083193709070867},{"text":"Yeah.","start":755.785,"end":756.02496,"sentiment":"neutral","sentiment_score":-0.031017519533634182},{"text":"Okay.","start":756.02496,"end":756.52496,"sentiment":"neutral","sentiment_score":-0.04592086374759674},{"text":"The other alternatives we sort of did consider were investment bonds.","start":758.425,"end":761.25,"sentiment":"neutral","sentiment_score":-0.03966131433844566}],"sentiment":"neutral","sentiment_score":0.07487569777294993,"num_words":40,"start":746.08,"end":761.25},{"sentences":[{"text":"So they operate much like to an IDPS account, but they're held by a company.","start":761.25,"end":765.09,"sentiment":"neutral","sentiment_score":0.010733889260639748},{"text":"You can look at reducing taxes that way and the the overall cost of, like, the investment long term, but you do have to hold those for ten years for that benefit.","start":765.09,"end":773.97003,"sentiment":"neutral","sentiment_score":0.24570458778180182},{"text":"And given that you might wanna sort of access them for early retirement, to to things down the future, should it be performing well enough that you feel like you wanna, you know, make other purchases, other investments, so we didn't lock it away for that ten years.","start":773.97003,"end":784.985,"sentiment":"positive","sentiment_score":0.5240693806360165},{"text":"And then we also considered some other providers there as well in terms of platforms who could hold it.","start":784.985,"end":789.305,"sentiment":"neutral","sentiment_score":0.24434163068470202},{"text":"That may be a tiny bit cheaper.","start":789.305,"end":790.665,"sentiment":"neutral","sentiment_score":0.3332116390977587}],"sentiment":"neutral","sentiment_score":0.3318500650838818,"num_words":121,"start":761.25,"end":790.665},{"sentences":[{"text":"But given the fact that Hub twenty four has that aggregate trading, you get the benefit of having, you know, administration costs that are lowered by having the pooled fees and funds.","start":790.665,"end":799.69,"sentiment":"positive","sentiment_score":0.37577498983591795},{"text":"We just recommended staying on the Hub twenty four platform, if that makes sense.","start":799.91,"end":803.76996,"sentiment":"neutral","sentiment_score":0.3291719587785857},{"text":"Perfect.","start":806.485,"end":806.985,"sentiment":"neutral","sentiment_score":0.2627531886100769},{"text":"On page 20 there, you will see a breakdown of the investments.","start":807.765,"end":810.58496,"sentiment":"neutral","sentiment_score":0.12453647330403328},{"text":"Now as I said, you don't have actively managed funds in this portfolio.","start":810.725,"end":814.90497,"sentiment":"neutral","sentiment_score":-0.024467620425499402}],"sentiment":"neutral","sentiment_score":0.25100442917189664,"num_words":72,"start":790.665,"end":814.90497},{"sentences":[{"text":"It is in line with the growth portfolio, which is around that eighty twenty split With that eighty twenty, sorry.","start":814.96497,"end":821.81,"sentiment":"neutral","sentiment_score":0.0119923644233495},{"text":"On page 20, you'll see the breakdown of the actual investments you hold.","start":824.67,"end":827.88995,"sentiment":"neutral","sentiment_score":0.03922639099451212},{"text":"Yeah.","start":841.805,"end":842.045,"sentiment":"neutral","sentiment_score":0.09214862436056136},{"text":"So that page and the next page will give you the breakdown not only of the the sort of split, but then your actual portfolio.","start":842.045,"end":847.55,"sentiment":"neutral","sentiment_score":0.08916893973946571},{"text":"Now at the moment, it's sort of saying that you sort of run 86% growth.","start":847.61,"end":852.00995,"sentiment":"neutral","sentiment_score":0.16359399557113646}],"sentiment":"neutral","sentiment_score":0.07466314084878242,"num_words":74,"start":814.96497,"end":852.00995},{"sentences":[{"text":"That's around 14% defensive, and that's because purely they've considered gold to be a full growth asset in the sense that, you know, the way gold has been performing, it's very capital in nature with what it has been sort of being able to do.","start":852.00995,"end":864.015,"sentiment":"positive","sentiment_score":0.36353603932592604},{"text":"And then with that, they have just considered to be fully growth.","start":864.39496,"end":867.595,"sentiment":"positive","sentiment_score":0.3718496573468049},{"text":"Now gold can be considered a bit of alternative where you do get that defensive portion that during market downturns as well.","start":867.595,"end":873.83496,"sentiment":"neutral","sentiment_score":0.1391092132438313},{"text":"Gold tends to trickle up as opposed to that sort of negatively correlated.","start":873.83496,"end":877.72003,"sentiment":"neutral","sentiment_score":-0.2892975721221704},{"text":"But so you looks like you're a little bit more overly exposed to growth assets, but that gold's considered a 100% growth at the moment.","start":878.42004,"end":884.26,"sentiment":"neutral","sentiment_score":0.022044182121753693}],"sentiment":"neutral","sentiment_score":0.17668338858673716,"num_words":117,"start":852.00995,"end":884.26},{"sentences":[{"text":"That's around the 10%.","start":884.26,"end":885.56,"sentiment":"neutral","sentiment_score":0.20346114039421082},{"text":"With that, you do have a little bit exposure to the tech sort of space.","start":886.58,"end":890.42505,"sentiment":"neutral","sentiment_score":0.052910562107960385},{"text":"And with the the cybersecurity, it's only 5% a bit of a satellite with how it has been sort of traveling.","start":890.42505,"end":895.145,"sentiment":"neutral","sentiment_score":0.05929408275655338},{"text":"It's down at the moment, so they still do have conviction in that long term.","start":895.145,"end":898.585,"sentiment":"neutral","sentiment_score":0.019563447094211976},{"text":"So at the moment, if you bought in low and it sort of makes a nice recovery, that'll be a good point.","start":898.585,"end":903.48,"sentiment":"positive","sentiment_score":0.3847537216815082}],"sentiment":"neutral","sentiment_score":0.1507884716167562,"num_words":77,"start":884.26,"end":903.48},{"sentences":[{"text":"In regards to that as well, you do have nice exposure within, you know, Europe, Japan, outside The US, and then also inside The US and Australia, which gives you a nice sort of geographical range of investments as well as the companies that are composed within those sort of regions as well.","start":903.54,"end":918.04,"sentiment":"neutral","sentiment_score":0.3033263885749961},{"text":"You'll also have the iShares composite bond, which is purely just a defensive asset there, which aims to sort of protect that during market downturns a little bit as well.","start":920.445,"end":928.445,"sentiment":"neutral","sentiment_score":0.24681090687712035},{"text":"So you get nice amount of exposure, reduce sort of manager risk by not having those actively portions, finished portions.","start":928.445,"end":934.25995,"sentiment":"neutral","sentiment_score":0.2570519749075174},{"text":"And then with that, over the long term, you know, those index investments tend to outperform managed portfolios over the long term period.","start":934.63995,"end":942.57996,"sentiment":"neutral","sentiment_score":0.16494346928337347},{"text":"Managed funds sort of tend to either do really well or sort of quite poorly, and they're sort of maybe sometimes in between.","start":943.12,"end":948.42,"sentiment":"neutral","sentiment_score":-0.05379567522069682}],"sentiment":"neutral","sentiment_score":0.20924875545221688,"num_words":149,"start":903.54,"end":948.42},{"sentences":[{"text":"Whereas the indexes, if the markets are doing alright, they they tend to do alright as well, but you won't be able to sort of outperform whatever the markets are doing because you're basically trying to track those markets, if that makes sense.","start":948.575,"end":959.955,"sentiment":"neutral","sentiment_score":0.0914315922229096},{"text":"Yep.","start":962.03,"end":962.53,"sentiment":"neutral","sentiment_score":0.024986108765006065},{"text":"Did you need for me to explain, like, anything sort of more in-depth in regards to those index investments as opposed to having actively managed investments?","start":962.99,"end":969.97003,"sentiment":"neutral","sentiment_score":0.00230674624729615},{"text":"So that that entire portfolio, that on that page 20 there, they're all indexed investments.","start":973.885,"end":979.645,"sentiment":"neutral","sentiment_score":0.02613274989028772},{"text":"So iShares tracks the top 500 companies, ISMP five hundred five hundred companies in America.","start":979.645,"end":985.16504,"sentiment":"neutral","sentiment_score":0.059751983483632407}],"sentiment":"neutral","sentiment_score":0.0530479097738862,"num_words":100,"start":948.575,"end":985.16504},{"sentences":[{"text":"BetaShares Australia tracks the top 200.","start":985.16504,"end":987.34503,"sentiment":"neutral","sentiment_score":0.0694762005393083},{"text":"Now it's fluid in the sense that if a company within those sort of regions on those exchanges there was to, you know, skyrocket in terms of, like, growth and price, if it makes it to those top 500, you'll hold it as an asset.","start":987.51996,"end":998.88,"sentiment":"neutral","sentiment_score":0.21210507187578415},{"text":"If they sort of become an under performer and fall out of that top, like, 500, you won't hold it anymore, which is sort of dynamic in the sense that, you know, as companies grow and fall, you know, you're switching those investments dynamically along the way and just tracking those markets, whereas those managed funds aim to, you know, pick a few winning horses that they believe are gonna get that massive sort of growth, and they sort of try and outperform the market and trying to find those companies that have the high potential upsize, whereas you kind of hold the companies that are already sort of stable in those those top sort of brackets, if that makes sense.","start":998.88,"end":1031.705,"sentiment":"neutral","sentiment_score":0.1409834718624176},{"text":"No.","start":1034.885,"end":1035.045,"sentiment":"neutral","sentiment_score":0.09090662002563477},{"text":"That's the personal investment one on page 20, the recommendation.","start":1035.045,"end":1037.705,"sentiment":"neutral","sentiment_score":0.15158260464668274}],"sentiment":"neutral","sentiment_score":0.15643343278410451,"num_words":183,"start":985.16504,"end":1037.705},{"sentences":[{"text":"Yeah.","start":1038.645,"end":1039.145,"sentiment":"neutral","sentiment_score":0.19526761770248413},{"text":"Yep.","start":1039.605,"end":1040.005,"sentiment":"neutral","sentiment_score":0.17339542508125305},{"text":"So with the the fee of, like, the upfront investment cost of that, it's looking around $296,250 that'll be invested, and that's the breakdown of those investments.","start":1040.005,"end":1052.09,"sentiment":"neutral","sentiment_score":0.11016518098336679},{"text":"So your key holdings there will be the iShares of p 500 and the BetaShares Australian two hundred.","start":1052.09,"end":1057.4501,"sentiment":"neutral","sentiment_score":0.0838727725462781},{"text":"The rest of them are sort of split to be more satellite.","start":1057.4501,"end":1060.0651,"sentiment":"neutral","sentiment_score":0.04715045945098003}],"sentiment":"neutral","sentiment_score":0.09184132794202385,"num_words":59,"start":1038.645,"end":1060.0651},{"sentences":[{"text":"But if they were to sort of not perform within those sort of regions or have a negative year, that your portfolio wouldn't be as negatively affected, whereas, you know, that your banking sort of on Australia and the the American market sort of tracking nicely over the next sort of seven to eight years in growth to be able to sort of get nice sustained income or, like, capital growth out of your investment.","start":1060.125,"end":1080.37,"sentiment":"neutral","sentiment_score":0.19762925883134205},{"text":"Perfect.","start":1084.51,"end":1085.01,"sentiment":"positive","sentiment_score":0.4686342477798462},{"text":"If you scroll down to the page 22 there, you'll see the outline of the sort of ongoing investment costs of that.","start":1085.71,"end":1096.565,"sentiment":"neutral","sentiment_score":0.16007916222919116},{"text":"And with that, what it looks like in terms of the administration fees, investment costs, and then also the other fees and adviser fees that'll be attached to that.","start":1097.985,"end":1107.81,"sentiment":"neutral","sentiment_score":0.08771832725675456},{"text":"Now within regards to that one, I do see that they haven't done the the flat fee for that one.","start":1108.1901,"end":1113.39,"sentiment":"neutral","sentiment_score":0.03447587243281305}],"sentiment":"neutral","sentiment_score":0.14997223923996497,"num_words":147,"start":1060.125,"end":1113.39},{"sentences":[{"text":"It was just based on aggregate balance.","start":1113.39,"end":1115.25,"sentiment":"neutral","sentiment_score":0.04415370843240193},{"text":"So within regards to that one, we're recommending because you've got the two funds under OQN at the moment.","start":1115.55,"end":1121.685,"sentiment":"neutral","sentiment_score":0.19759015817391246},{"text":"There is that cap of 600,000 to just do a flat fee across the two accounts so that because you're already over 600,000 if you were to put that money under investment with us.","start":1121.685,"end":1131.365,"sentiment":"neutral","sentiment_score":0.17871210132451618},{"text":"We don't wanna sort of have you getting charged over with the the two accounts because with the split, if you sort of, you know, wants to grow more in that IDPS and you obviously superannuation is already over the 300,000, you would be getting charged more as a result of that.","start":1131.365,"end":1146.3201,"sentiment":"neutral","sentiment_score":-0.19586858661988607},{"text":"Now the the potential downside is that if there was a significant market dip with that flat fee for the twelve months, you might get charged more.","start":1146.38,"end":1153.4249,"sentiment":"negative","sentiment_score":-0.5353784373512974}],"sentiment":"neutral","sentiment_score":-0.1043229057795281,"num_words":139,"start":1113.39,"end":1153.4249},{"sentences":[{"text":"But given your superannuation sort of up around that sort of $3.60, 70 mark depending on what the market's doing at the moment, It'd have to drop quite significantly before that sort of negatively impacts you, if that makes sense as well.","start":1153.4249,"end":1165.75,"sentiment":"negative","sentiment_score":-0.43032067233607885},{"text":"Now we did sort of just do a general cash rate in regards to, like, a three year rolling average there and then the the LA growth that we're sort of recommending you in that fund.","start":1167.73,"end":1177.245,"sentiment":"neutral","sentiment_score":0.1694785039871931},{"text":"Now with the investment cost, it obviously costs more than just holding it in cash.","start":1177.4651,"end":1181.0651,"sentiment":"neutral","sentiment_score":-0.05767802745103836},{"text":"The administration fees, it hasn't done the full calculation as to the the pool balances there.","start":1181.0651,"end":1186.285,"sentiment":"neutral","sentiment_score":-0.09948231652379036},{"text":"So once they are pulled and under the same sort of platform there, it'll likely be less than that.","start":1186.745,"end":1192.28,"sentiment":"neutral","sentiment_score":-0.03882163312090071}],"sentiment":"neutral","sentiment_score":-0.11849016093765385,"num_words":128,"start":1153.4249,"end":1192.28},{"sentences":[{"text":"We can sort of get the calculations done to show you what that might look like in terms of overall administration fees across the two funds once we sort of get the the balances there.","start":1192.5,"end":1201.725,"sentiment":"neutral","sentiment_score":0.17662430320467268},{"text":"And then with the adviser fee, as I said, it would be a flat fee just to ensure that you're not getting charged overly, if that makes sense.","start":1202.285,"end":1211.505,"sentiment":"neutral","sentiment_score":0.15799576622833097},{"text":"Yep.","start":1213.9,"end":1214.4,"sentiment":"neutral","sentiment_score":0.15112552046775818},{"text":"And I'll just see what yeah.","start":1215.66,"end":1217.34,"sentiment":"neutral","sentiment_score":0.07185561706622441},{"text":"The on the on the page 31, once we get to it, it does highlight the fixed fee and what that'll be across two accounts, and then your ongoing there for the the insurances just as a a reminder of how much you would be paying.","start":1217.34,"end":1229.6951,"sentiment":"neutral","sentiment_score":0.08171996207016965}],"sentiment":"neutral","sentiment_score":0.1288543926262907,"num_words":116,"start":1192.5,"end":1229.6951},{"sentences":[{"text":"Now in regards to that hump 24, we're just recommending retain everything likely unchanged.","start":1230.2351,"end":1234.3351,"sentiment":"neutral","sentiment_score":0.06674720160663128},{"text":"Now, obviously, as a result of that pendulum and what did occur, I know we didn't talk about it too much in terms of changing superannuation investments because of how it was performing, and you're still pretty happy with the returns.","start":1234.395,"end":1244.59,"sentiment":"neutral","sentiment_score":0.09324924275279045},{"text":"But just for the long term, we're just thinking, you know, proactively to try and get rid of that now.","start":1244.59,"end":1249.31,"sentiment":"neutral","sentiment_score":-0.1965111095458269},{"text":"You are sort of crystallizing a few of those losses that will go towards, you know, offsetting some future capital gains, which is not a bad thing.","start":1249.31,"end":1256.585,"sentiment":"neutral","sentiment_score":-0.2872571583699297},{"text":"But with that, they just don't have the faith that it will be able to return from what it's gone down in a timely manner to where it's not sort of hindering your growth a little bit there as well, if that makes sense.","start":1256.885,"end":1267.14,"sentiment":"neutral","sentiment_score":-0.1174386136911132}],"sentiment":"neutral","sentiment_score":-0.08284784036956422,"num_words":146,"start":1230.2351,"end":1267.14},{"sentences":[{"text":"Yeah.","start":1270.74,"end":1270.98,"sentiment":"neutral","sentiment_score":-0.023505471646785736},{"text":"It's like the difference between, like because, obviously, if something dips, you never sort of wanna sell low, buy high.","start":1270.98,"end":1276.1,"sentiment":"neutral","sentiment_score":-0.09446590289007872},{"text":"But if you don't have conviction in the investment being able to return or perform, you know, over the long term, you're sort of better off taking a little bit of a loss there and going into an investment that is gonna get you that return because, you know, even if you you've already made the the loss in the sense that if it doesn't come back, you still sit at that level, whereas you take the loss offset some capital gains down the track because you are still holding the one fund, then, you know, you can be an investment that is making a more solid return.","start":1276.1,"end":1302.99,"sentiment":"neutral","sentiment_score":0.055172276303724004},{"text":"And then that way, you know, you have a better chance of recouping those losses in a different investment rather than sort of riding out much like the the hack that you currently hold with what did sort of go down there.","start":1303.13,"end":1316.085,"sentiment":"neutral","sentiment_score":0.14757018731463523},{"text":"And then what we're recommending, obviously, it's taken a dip, but they have conviction in that long term that it will recover.","start":1316.145,"end":1321.125,"sentiment":"neutral","sentiment_score":0.17033489116213538}],"sentiment":"neutral","sentiment_score":0.07249273463282638,"num_words":193,"start":1270.74,"end":1321.125},{"sentences":[{"text":"So that's why they're looking at holding that investment versus, like, the Benelon, which they're looking at getting rid of.","start":1321.4249,"end":1327.32,"sentiment":"neutral","sentiment_score":-0.12045963071286678},{"text":"That makes sense.","start":1327.32,"end":1328.2999,"sentiment":"neutral","sentiment_score":0.1046311433116595},{"text":"So that's what we're we're changing now.","start":1337.6399,"end":1342.215,"sentiment":"neutral","sentiment_score":-0.022028176113963127},{"text":"So I can't just go in and change your underlying investments.","start":1342.215,"end":1344.455,"sentiment":"neutral","sentiment_score":-0.09772888808087869},{"text":"We do have to provide a document.","start":1344.455,"end":1345.815,"sentiment":"neutral","sentiment_score":-0.019314673330102648}],"sentiment":"neutral","sentiment_score":-0.07207743540251006,"num_words":48,"start":1321.4249,"end":1345.815},{"sentences":[{"text":"If things were, like, very sort of serious, you know, like COVID where they have sort of changed things to cash and just done, like, company wide changes, then they sort of sometimes do that.","start":1345.815,"end":1354.5349,"sentiment":"neutral","sentiment_score":-0.1127849423459598},{"text":"But to be proper and follow, like, you know, the law and letter to the law, we do have to that's why we do those annual reviews that each sort of year, we double check, see how things are going, whole conversation, look at doing those sort of changes.","start":1354.5349,"end":1365.98,"sentiment":"neutral","sentiment_score":0.13381205423145878},{"text":"And then, obviously, that occurred sort of the end of last year there with that investment.","start":1365.98,"end":1370.755,"sentiment":"neutral","sentiment_score":-0.05151598760858178},{"text":"So as we sort of come across that because it's only 10% or, like, 8.7 at the moment in your portfolio.","start":1371.215,"end":1376.995,"sentiment":"neutral","sentiment_score":-0.0760096652167184},{"text":"It's not a significant driver in, like, your growth if it did have a bad year.","start":1377.295,"end":1381.555,"sentiment":"neutral","sentiment_score":-0.2664490379393101}],"sentiment":"neutral","sentiment_score":-0.02973960367214941,"num_words":137,"start":1345.815,"end":1381.555},{"sentences":[{"text":"But in saying that, we're just sort of looking at changing that out now before it sort of goes worse or it just sort of stagnates for another twelve months.","start":1381.775,"end":1389.99,"sentiment":"neutral","sentiment_score":-0.2616217419505119},{"text":"If you did sort of do, like, the regularly three months and things like that, we do sort of track it a little bit more, have more conversations with you.","start":1390.13,"end":1395.89,"sentiment":"neutral","sentiment_score":0.08946527279913426},{"text":"But as a minimum, we do the 12 monthly.","start":1395.89,"end":1397.745,"sentiment":"neutral","sentiment_score":0.13562250634034476},{"text":"And if we were to change any underlying investments, we do have to provide a statement of advice piece like this just to illustrate any product changes that we are doing to your portfolio.","start":1397.745,"end":1405.6849,"sentiment":"neutral","sentiment_score":0.19911987597451491},{"text":"Perfect.","start":1408.64,"end":1409.14,"sentiment":"neutral","sentiment_score":-0.01912534609436989}],"sentiment":"neutral","sentiment_score":0.026989028072701052,"num_words":104,"start":1381.775,"end":1409.14},{"sentences":[{"text":"There is, under OQ, a separately managed account, which does sort of allow for them to change the underlying investments, but you get less sort of say in what goes into your portfolio and what doesn't because it's up to the managers of that strategically managed account, what they have in it and what they don't, and you just sort of pull your funds with anyone that is in that strategically managed account.","start":1409.2,"end":1425.585,"sentiment":"neutral","sentiment_score":0.03421772748538076},{"text":"And then they'd sort of regularly update or review that every quarter, and then that changes for everyone in those funds versus, like, your your investments are individual to sorta you even though there are a few portfolios in on their approved product list.","start":1425.725,"end":1438.56,"sentiment":"neutral","sentiment_score":0.056363671933385456},{"text":"If you sorta go, hey.","start":1438.56,"end":1439.92,"sentiment":"neutral","sentiment_score":0.08685588166117668},{"text":"I wanna put, you know, some sort of Tesla or things like that in my portfolios.","start":1439.92,"end":1443.92,"sentiment":"neutral","sentiment_score":0.12126610893756151},{"text":"You have the freedom to do that as opposed to those separately managed accounts where what's in those is purely from the investment committees.","start":1443.92,"end":1450.56,"sentiment":"neutral","sentiment_score":0.15997049864381552}],"sentiment":"neutral","sentiment_score":0.06908472092753207,"num_words":162,"start":1409.2,"end":1450.56},{"sentences":[{"text":"They won't change those per year wishes versus, you know, having a fund like this where you do have a little bit more say in what goes in and what doesn't and sort of changes.","start":1450.56,"end":1459.095,"sentiment":"neutral","sentiment_score":0.037204137151794776},{"text":"Like you said, you can go on the the platform and have a little bit of a look at it.","start":1459.095,"end":1462.455,"sentiment":"neutral","sentiment_score":0.08055827766656876},{"text":"If you see something that you're not too fussed about, you don't like it, even if you looked at this report on what we're recommending in terms of it, if you look at that and go, hey.","start":1462.455,"end":1469.78,"sentiment":"neutral","sentiment_score":-0.1672641928936984},{"text":"I actually don't want that investment in our portfolio.","start":1469.78,"end":1471.7001,"sentiment":"negative","sentiment_score":-0.4369041687912411},{"text":"You have the freedom to be able to, you know, have a conversation without change those investments.","start":1471.7001,"end":1475.4801,"sentiment":"neutral","sentiment_score":-0.008831838912823619}],"sentiment":"neutral","sentiment_score":-0.06235375901747305,"num_words":118,"start":1450.56,"end":1475.4801},{"sentences":[{"text":"Obviously, you know, the portfolios are approved by the investment committee here, so that's a part of, like, the recommendations and the recommendations we make under Oakview.","start":1476.26,"end":1484.155,"sentiment":"neutral","sentiment_score":0.0009234052634349575},{"text":"But with that, you do have a little bit of a say if you do want sort of specific sort of shares if they're available or certain holdings should you not want them.","start":1484.615,"end":1491.9149,"sentiment":"neutral","sentiment_score":-0.07366853625033841},{"text":"Perfect.","start":1494.79,"end":1495.29,"sentiment":"positive","sentiment_score":0.543725848197937},{"text":"In terms of the your current superannuation balance, it just shows you based on the the changes what that might look like.","start":1495.91,"end":1501.99,"sentiment":"neutral","sentiment_score":0.26925195211713965},{"text":"So with the investment change, they're moving that then along to that more passive Australian 200, the the beta shares.","start":1501.99,"end":1509.4751,"sentiment":"positive","sentiment_score":0.3601776137948036}],"sentiment":"neutral","sentiment_score":0.10936593511187047,"num_words":103,"start":1476.26,"end":1509.4751},{"sentences":[{"text":"It will actually save your investment costs ongoing.","start":1509.935,"end":1512.275,"sentiment":"positive","sentiment_score":0.49582910165190697},{"text":"And then with that, because of the performance of that Benelong there, it does improve in performance slightly as well.","start":1512.655,"end":1518.03,"sentiment":"positive","sentiment_score":0.5616757109761238},{"text":"Now the main thing with that one, you know, you see, performance is the one thing that's never guaranteed, which is, you know, the probably crap thing about receiving financial advice is nothing sort of guaranteed with the markets, especially what's going on.","start":1518.5901,"end":1528.99,"sentiment":"neutral","sentiment_score":0.12191661031440247},{"text":"But with that one at least, you'll have the guaranteed savings that you'll be saving $372 a year and then hopefully get that bit of better performance as well for you.","start":1528.99,"end":1537.775,"sentiment":"positive","sentiment_score":0.5939679395767951},{"text":"Perfect.","start":1540.235,"end":1540.735,"sentiment":"positive","sentiment_score":0.5313960313796997}],"sentiment":"positive","sentiment_score":0.3823977032477416,"num_words":103,"start":1509.935,"end":1540.735},{"sentences":[{"text":"As part of that, obviously, you can go into the advantages and disadvantages a little bit more than that.","start":1541.035,"end":1546.59,"sentiment":"neutral","sentiment_score":0.05028423078750309},{"text":"Obviously, at the moment, the main sort of risks associated with the investments at the moment is, you know, when you're buying and selling at the moment with it is so volatile, you do sort of get, you know, those those dips and highs that when you're sort of out of the market, you may miss, like, potential growth upside peaks.","start":1546.59,"end":1561.73,"sentiment":"neutral","sentiment_score":-0.19867951551177462},{"text":"With that, if it was to go down in that time, you do get the benefit of buying it at a lower cost.","start":1562.085,"end":1565.945,"sentiment":"positive","sentiment_score":0.3365794507705647},{"text":"Same with in regards to putting that money into an investment now.","start":1566.405,"end":1569.625,"sentiment":"neutral","sentiment_score":0.24041781077782312},{"text":"Obviously, the markets are a little bit more volatile.","start":1570.005,"end":1571.9249,"sentiment":"neutral","sentiment_score":-0.08088970267110401}],"sentiment":"neutral","sentiment_score":-0.010207389421280353,"num_words":124,"start":1541.035,"end":1571.9249},{"sentences":[{"text":"They have taken a little bit of a a dive, and then there's some peaks in there along the way as well.","start":1571.9249,"end":1575.81,"sentiment":"neutral","sentiment_score":-0.01415138573131778},{"text":"But if you're happy to ride out the volatility for at least over the next sort of six or so months where, you know, the the wall may continue and prices may soar in regards to certain things, they might sort of dip in regards to how things are progressing with their growth over that time frame.","start":1575.9701,"end":1590.365,"sentiment":"neutral","sentiment_score":0.02467981529863257},{"text":"But if you're sort of happy investing, you know, that longer term sort of eight to to ten year mark with this investment, it shouldn't affect you too much in the long term in terms of, like, how the world reacts to wars.","start":1590.365,"end":1602.445,"sentiment":"neutral","sentiment_score":0.15892938541811566},{"text":"Funnily enough, although it does cause, like, short term volatility, it's not much like COVID where the effects are felt, like, as long term as those COVID type events.","start":1602.445,"end":1613.18,"sentiment":"neutral","sentiment_score":-0.026366433771005993},{"text":"You do see that, you know, wars, Middle East, things like that, they do cause those blips on the the investment radar and what terms of, like, what does occur.","start":1613.18,"end":1622.775,"sentiment":"neutral","sentiment_score":-0.0777496578792731}],"sentiment":"neutral","sentiment_score":0.026697603553451226,"num_words":181,"start":1571.9249,"end":1622.775},{"sentences":[{"text":"But over the long term, the markets tend to recover quite quickly in terms of, like, the the returns and how they sort of return.","start":1622.915,"end":1629.875,"sentiment":"neutral","sentiment_score":0.13019709080457686},{"text":"Much like with Trump and his tariff talk at the start of the year, you saw how much they affected the markets in terms of, like, how much it did drop.","start":1629.875,"end":1637.82,"sentiment":"neutral","sentiment_score":-0.15115146483144454},{"text":"But, you know, three months later, it's back and above where that dip did occur, and it's still on the the rise, if that makes sense.","start":1637.96,"end":1644.22,"sentiment":"neutral","sentiment_score":0.04776889859483792},{"text":"Yeah.","start":1653.175,"end":1653.675,"sentiment":"neutral","sentiment_score":-0.128493994474411},{"text":"As as I said, sort of when it is sort of negatively correlated in terms of, like, what does occur, people tend to to go back to those harder currencies during that time frame.","start":1653.815,"end":1663.03,"sentiment":"neutral","sentiment_score":-0.11357927837354295}],"sentiment":"neutral","sentiment_score":-0.035717660131362766,"num_words":117,"start":1622.915,"end":1663.03},{"sentences":[{"text":"I do believe gold, because it was a bit of an all time high, there was a few sort of dips along the way there as well.","start":1663.03,"end":1669.67,"sentiment":"neutral","sentiment_score":-0.0014781086809105342},{"text":"But as a whole, it has sorta, you know, as a result of that, gone up a little bit in terms of that.","start":1669.67,"end":1676.575,"sentiment":"neutral","sentiment_score":-0.13057421990062879},{"text":"I wouldn't say it's, like, skyrocketed much like it has over the past few years.","start":1676.575,"end":1680.115,"sentiment":"neutral","sentiment_score":-0.05853713353474935},{"text":"But with that, it sort of I believe towards the end of last year, because it fell from its peak, it sort of took a bit of a dive, and then it's sort of trickling back up given what's happened over the start of the year there as well.","start":1680.735,"end":1692.44,"sentiment":"neutral","sentiment_score":-0.12522966893655912},{"text":"But not to the extent that it did towards, you know, back back end of sort of 2024, 2025, where it did take a real big jump up in terms of, like, the price and what it was.","start":1693.62,"end":1705.675,"sentiment":"neutral","sentiment_score":-0.07585627056266132}],"sentiment":"neutral","sentiment_score":-0.08513134904205799,"num_words":152,"start":1663.03,"end":1705.675},{"sentences":[{"text":"But, yeah, in saying that you will hold that as a portion of your your investment as well, which does help.","start":1709.5751,"end":1715.435,"sentiment":"neutral","sentiment_score":0.2728907224677858},{"text":"Yeah.","start":1727.22,"end":1727.62,"sentiment":"neutral","sentiment_score":-0.006562286056578159},{"text":"The problem is too is, like, when you are looking to retirement, that's when it sort of affects your portfolios more.","start":1727.62,"end":1732.655,"sentiment":"neutral","sentiment_score":-0.2627815660976228},{"text":"I'd be a little bit more hesitant sort of if you were, like, you know, 58 and putting this as a portion of your retirement savings that you were saying to look to draw down on as well just because of the fact of where the markets are at the moment.","start":1732.655,"end":1743.955,"sentiment":"neutral","sentiment_score":-0.27483317518935485},{"text":"But given, you know, you've still got plenty of sort of working life behind you, obviously, you wanna sort of look at potentially, you know, early retirement.","start":1744.095,"end":1750.74,"sentiment":"neutral","sentiment_score":-0.003332855300632892}],"sentiment":"neutral","sentiment_score":-0.11488222338890364,"num_words":121,"start":1709.5751,"end":1750.74},{"sentences":[{"text":"The good thing about having a business is sometimes you can step away and still have those in income that is coming in whether or not it's the same, but, you know, having employees that can still do some of the work for you and sort of doing transition to retirement, things like that as well.","start":1750.74,"end":1762.695,"sentiment":"positive","sentiment_score":0.3929045285497393},{"text":"So you do have a little bit more flexibility in that sense.","start":1763.255,"end":1765.9149,"sentiment":"positive","sentiment_score":0.4251454994082451},{"text":"Your portfolio as a whole, because it is a bit more defensive with that balance growth within your superannuation, has been traveling quite well as opposed to, you know, some other other higher growth because they do have those more exposure to growth assets, which funnily enough is sort of, you know, those more defensive portfolios tend to do better when those sort of events do occur.","start":1767.0149,"end":1785.4601,"sentiment":"neutral","sentiment_score":0.27981626487045147},{"text":"So over twelve month period, your superannuation's at, like, 11.9%, which is up there in par with sort of high growth portfolios.","start":1785.76,"end":1791.9401,"sentiment":"neutral","sentiment_score":0.21500281447714026},{"text":"With the with the changes there as well, with that a 200, it removes the underlying investment that isn't performing over the next sort of twelve months.","start":1793.6849,"end":1801.9249,"sentiment":"neutral","sentiment_score":-0.06496271987756093}],"sentiment":"neutral","sentiment_score":0.2653704229337366,"num_words":184,"start":1750.74,"end":1801.9249},{"sentences":[{"text":"And, hopefully, you do see a little bit more growth with that now being out of it.","start":1801.9249,"end":1806.005,"sentiment":"neutral","sentiment_score":0.06125977306681521},{"text":"With the one being in the growth with that individual investment that we are recommending, like I said, you probably likely see a lot more volatility in that than you do in your superannuation.","start":1806.005,"end":1814.4,"sentiment":"neutral","sentiment_score":-0.12275498185087652},{"text":"It's just important that, you know, you do hold through those sort of fluctuations if you are planning on investing for that longer term period.","start":1814.54,"end":1822.0,"sentiment":"neutral","sentiment_score":-0.050865569412708284},{"text":"Yeah.","start":1825.1849,"end":1825.5049,"sentiment":"neutral","sentiment_score":0.06472068279981613},{"text":"It's yeah.","start":1825.5049,"end":1826.065,"sentiment":"neutral","sentiment_score":0.06695470958948135}],"sentiment":"neutral","sentiment_score":-0.05323116929282116,"num_words":79,"start":1801.9249,"end":1826.065},{"sentences":[{"text":"You just gotta be mindful to to not sort of panic sell and things like that.","start":1826.065,"end":1829.4249,"sentiment":"neutral","sentiment_score":-0.07897796644829214},{"text":"Obviously, we do make adjustments if things sort of were continuing on.","start":1829.4249,"end":1832.725,"sentiment":"neutral","sentiment_score":0.08320534725983937},{"text":"With that, you can call up at any time.","start":1833.0249,"end":1834.7849,"sentiment":"neutral","sentiment_score":0.22656437423494127},{"text":"If you did have concerns, can talk about it and have conversations around it.","start":1834.7849,"end":1838.4801,"sentiment":"neutral","sentiment_score":0.1720474793442658},{"text":"And at any point, you can be like, I do wanna look at sort of transitioning out and things like that as well, and we can try and build some strategies around the best way to do that possible as well.","start":1838.6201,"end":1847.28,"sentiment":"neutral","sentiment_score":0.28976118128474165}],"sentiment":"neutral","sentiment_score":0.17459531756036956,"num_words":92,"start":1826.065,"end":1847.28},{"sentences":[{"text":"Yeah.","start":1851.9149,"end":1852.1549,"sentiment":"positive","sentiment_score":0.3882426023483277},{"text":"And you've got yourself in a good position that, you know, with the the house a 100% offset, you know, a decent balance in your your superannuation plus a nice income from your business there that realistically you can afford to, you know, be able to to hold through those investments where you're likely not to need that in the event that something did go go wrong because with that considerable savings as well.","start":1852.1549,"end":1874.48,"sentiment":"positive","sentiment_score":0.5202028276147069},{"text":"But do you have any questions in regards to that, Michael, with the the investment recommendation or the the superannuation update there?","start":1876.7949,"end":1883.215,"sentiment":"neutral","sentiment_score":0.04177857414734634},{"text":"It is yeah.","start":1885.595,"end":1891.53,"sentiment":"neutral","sentiment_score":-0.0558707428475221},{"text":"Getting rid of it.","start":1891.53,"end":1892.49,"sentiment":"neutral","sentiment_score":-0.06368577480316162}],"sentiment":"positive","sentiment_score":0.37865408797426003,"num_words":104,"start":1851.9149,"end":1892.49},{"sentences":[{"text":"Yeah.","start":1892.49,"end":1892.99,"sentiment":"neutral","sentiment_score":-0.02643762342631817},{"text":"Yeah.","start":1893.37,"end":1893.61,"sentiment":"neutral","sentiment_score":-0.07289648801088333},{"text":"Like I said, selling low, buying high is a bit of the cardinal sin, but when they sort of do the metrics and have a look at it long term, they just don't have as much conviction in it.","start":1893.61,"end":1902.115,"sentiment":"neutral","sentiment_score":-0.20107329579500052},{"text":"So they're just looking at changing it now and just using it to offset some some losses some gains moving forward with those those losses.","start":1902.115,"end":1908.855,"sentiment":"neutral","sentiment_score":-0.02005241945385933},{"text":"But these only temps in your portfolio, so it's not like it's, you know, taking a a huge chunk out of it, which is which is nice at least, which is how you want those sort of active investments to work.","start":1909.235,"end":1918.38,"sentiment":"neutral","sentiment_score":0.08498069067008612}],"sentiment":"neutral","sentiment_score":-0.04633920389079602,"num_words":107,"start":1892.49,"end":1918.38},{"sentences":[{"text":"That when they're doing good, you get nice, but a little growth extra and outperform the market a tiny bit potentially.","start":1918.38,"end":1923.5,"sentiment":"neutral","sentiment_score":0.15128673293760844},{"text":"Whereas, you know, when they do take a bit of a dive, it's not too fantastic.","start":1923.5,"end":1926.64,"sentiment":"negative","sentiment_score":-0.3928830632939935},{"text":"And Ben along over the past couple years haven't been doing the best in terms of, like, what their sort of goal was in terms of returns.","start":1926.86,"end":1933.9049,"sentiment":"negative","sentiment_score":-0.41015610098838806},{"text":"So with that and what did occur, they just, yeah, wanna move away from it.","start":1933.9049,"end":1937.9249,"sentiment":"neutral","sentiment_score":-0.2938293367624283},{"text":"In regards to that investment hybrid there as well, as I said, we'd be looking to change that in the future.","start":1939.585,"end":1944.485,"sentiment":"neutral","sentiment_score":0.02712668132569109}],"sentiment":"neutral","sentiment_score":-0.18021102091297508,"num_words":100,"start":1918.38,"end":1944.485},{"sentences":[{"text":"With that one, though, we can sort of keep it because it is sort of available for the the next few years there at least as well.","start":1945.06,"end":1951.4,"sentiment":"neutral","sentiment_score":0.15296972322243232},{"text":"And then we'll probably look at changing that for an alternative, whether that's through, like, a a recommendation or just an ROA to the record of advice to change that to an alternative product that matches up with what it's currently in just because purely the fact that they they won't be available after 2032.","start":1951.4601,"end":1966.8151,"sentiment":"neutral","sentiment_score":0.12231854936107993},{"text":"No problem.","start":1968.715,"end":1969.535,"sentiment":"positive","sentiment_score":0.35653354227542877},{"text":"Obviously, have a chance to have a read through that, you know, do a bit of your own research.","start":1970.075,"end":1973.275,"sentiment":"neutral","sentiment_score":0.3307855944884451},{"text":"The appendix there does have links to all the investments that are recommended just to be able to have a look through that, see how you feel about it, and then sort of go right with the the risks.","start":1973.275,"end":1982.13,"sentiment":"neutral","sentiment_score":0.29427109544093794}],"sentiment":"neutral","sentiment_score":0.20656527354854198,"num_words":142,"start":1945.06,"end":1982.13},{"sentences":[{"text":"Obviously, you know, we did consider those few alternatives, so feel free to you don't have a think, see how you feel about that.","start":1982.13,"end":1987.33,"sentiment":"neutral","sentiment_score":0.25349220136801404},{"text":"Obviously, being on the one platform, as I said, you do get the benefits of it all being in, you know, one stop shop, all your reporting, things like that, in addition to the fact that you do save on administration costs as well.","start":1987.33,"end":1997.795,"sentiment":"positive","sentiment_score":0.5236483351750807},{"text":"So likely that the fees charged for admin moving forward will be less than what's outlined.","start":1997.795,"end":2002.935,"sentiment":"neutral","sentiment_score":0.2923266440629959},{"text":"In regards to the adviser fee, as I said, they are looking at doing that fixed fee.","start":2004.2999,"end":2008.96,"sentiment":"neutral","sentiment_score":0.09065881897421445},{"text":"So in terms of what does come out because of the funds under management at that cap, so it'll be 4,950 for for each fund for managing of that fee.","start":2009.4199,"end":2018.6399,"sentiment":"neutral","sentiment_score":0.1263242855668068}],"sentiment":"neutral","sentiment_score":0.29872133110770743,"num_words":131,"start":1982.13,"end":2018.6399},{"sentences":[{"text":"Until such time that they change the fee structure, it will stay at that fixed fee amount as long as you sort of balance, you know, stays above that 600,000.","start":2019.055,"end":2026.175,"sentiment":"neutral","sentiment_score":0.06170037537813187},{"text":"If you were to withdraw a large chunk of your sort of individual investment there moving forward.","start":2026.175,"end":2031.91,"sentiment":"neutral","sentiment_score":0.11978741998181623},{"text":"The next sort of interview, they'll they'll adjust the fee to make sure that you aren't sort of getting charged as much if you were to follow that 600,000.","start":2031.97,"end":2040.07,"sentiment":"neutral","sentiment_score":0.15148454416414786},{"text":"And then because we do receive an ongoing for your MLC insurances, we'll just disclose that fee there as well.","start":2040.13,"end":2045.2949,"sentiment":"neutral","sentiment_score":0.2746151819825172},{"text":"It's not an additional cost to you.","start":2045.2949,"end":2046.415,"sentiment":"neutral","sentiment_score":0.24310471011059626}],"sentiment":"neutral","sentiment_score":0.15023772613805475,"num_words":103,"start":2019.055,"end":2046.415},{"sentences":[{"text":"It's just what MLC provide us for monitoring and maintaining that policy.","start":2046.415,"end":2050.175,"sentiment":"neutral","sentiment_score":0.28495851531624794},{"text":"We just outline it because it is a remuneration that we do get from that premium that you do pay.","start":2050.175,"end":2055.2349,"sentiment":"positive","sentiment_score":0.3851994529366493},{"text":"Does that make sense?","start":2055.695,"end":2056.65,"sentiment":"neutral","sentiment_score":0.22237544879317284},{"text":"Yep.","start":2061.8499,"end":2062.17,"sentiment":"neutral","sentiment_score":0.02063135802745819},{"text":"I'll just bring up the the exact amount that the the last time.","start":2062.17,"end":2066.75,"sentiment":"neutral","sentiment_score":0.006195688476929298}],"sentiment":"neutral","sentiment_score":0.24228336691856384,"num_words":50,"start":2046.415,"end":2066.75},{"sentences":[{"text":"Bear with me.","start":2067.3699,"end":2068.3499,"sentiment":"neutral","sentiment_score":-0.11529206484556198},{"text":"Have you got other insurances there as well?","start":2079.065,"end":2081.43,"sentiment":"neutral","sentiment_score":-0.04649627092294395},{"text":"Okay.","start":2089.91,"end":2090.41,"sentiment":"neutral","sentiment_score":-0.14224714040756226},{"text":"Yeah.","start":2094.5652,"end":2095.0652,"sentiment":"neutral","sentiment_score":-0.1249193400144577},{"text":"Because it's because, obviously, we haven't spoken before.","start":2095.125,"end":2097.685,"sentiment":"neutral","sentiment_score":-0.13508021086454391}],"sentiment":"neutral","sentiment_score":-0.09836450139326709,"num_words":21,"start":2067.3699,"end":2097.685},{"sentences":[{"text":"I'd sort of did your your last review there, and I wasn't aware that you still had external insurances with that one.","start":2097.685,"end":2104.665,"sentiment":"neutral","sentiment_score":-0.12021440877155824},{"text":"So I'm just trying to find his certificate of currency without having to to log in.","start":2105.46,"end":2112.1199,"sentiment":"neutral","sentiment_score":-0.07316629402339458},{"text":"Looks like I'm gonna have to log in quickly.","start":2112.74,"end":2114.52,"sentiment":"neutral","sentiment_score":-0.06596093707614475},{"text":"So what cover do you hold?","start":2116.42,"end":2118.0999,"sentiment":"neutral","sentiment_score":-0.028788157117863495},{"text":"Like, do you have certain business covers or, like, actual personal?","start":2118.0999,"end":2124.095,"sentiment":"neutral","sentiment_score":-0.04234529388221828}],"sentiment":"neutral","sentiment_score":-0.07886802041321062,"num_words":64,"start":2097.685,"end":2124.095},{"sentences":[{"text":"Would you mind, like, sending through those certificates of currency for me so I can have a look at those and what cover you do have?","start":2125.275,"end":2130.9749,"sentiment":"neutral","sentiment_score":-0.01920547680212901},{"text":"Okay.","start":2137.77,"end":2138.25,"sentiment":"neutral","sentiment_score":-0.004025531932711601},{"text":"Yep.","start":2138.25,"end":2138.75,"sentiment":"neutral","sentiment_score":0.020470324903726574},{"text":"Let me just double check.","start":2144.7449,"end":2146.505,"sentiment":"neutral","sentiment_score":-0.01649448648095131},{"text":"So I'm just waiting for it to load up.","start":2146.505,"end":2149.065,"sentiment":"neutral","sentiment_score":-0.025592692403329745}],"sentiment":"neutral","sentiment_score":-0.018945339712358657,"num_words":42,"start":2125.275,"end":2149.065},{"sentences":[{"text":"Sorry.","start":2149.065,"end":2149.565,"sentiment":"neutral","sentiment_score":-0.0664900541305542},{"text":"So I'm just bringing up your policy, so I'm not just making up figures.","start":2169.895,"end":2173.275,"sentiment":"neutral","sentiment_score":-0.04202168009110859},{"text":"So MLC did become a sender, and you do have the life cover for five hundred and twenty five thousand and total permanent disability for the the the same amount there of five hundred and twenty five thousand as well.","start":2176.055,"end":2188.8,"sentiment":"neutral","sentiment_score":0.030561286117881538},{"text":"Yeah.","start":2197.275,"end":2197.515,"sentiment":"neutral","sentiment_score":-0.03707654029130936},{"text":"I believe they do like, at the top there list what insurances you do hold on that same advice.","start":2197.515,"end":2202.155,"sentiment":"neutral","sentiment_score":0.15991913291968798}],"sentiment":"neutral","sentiment_score":0.047587264726559324,"num_words":75,"start":2149.065,"end":2202.155},{"sentences":[{"text":"I was just making sure that it was correct, like, and when it comes to your current situation under your details there.","start":2202.155,"end":2207.455,"sentiment":"neutral","sentiment_score":0.14102926342324776},{"text":"Yeah.","start":2213.8599,"end":2214.26,"sentiment":"neutral","sentiment_score":0.05500739440321922},{"text":"So on On page nine there, you'll see that MLC, yeah, cover that you do have there as well, and those figures are accurate from what I'm looking at there.","start":2214.26,"end":2229.3352,"sentiment":"neutral","sentiment_score":0.09148107978204886},{"text":"Okay.","start":2234.53,"end":2235.03,"sentiment":"negative","sentiment_score":-0.4656006395816803},{"text":"Too much attention away from him.","start":2235.41,"end":2237.19,"sentiment":"negative","sentiment_score":-0.6258470018704733}],"sentiment":"neutral","sentiment_score":0.028023348872860274,"num_words":60,"start":2202.155,"end":2237.19},{"sentences":[{"text":"And so you've got policy that is in that MLC or like a sender, maybe named different when you get sort of reviews in the mail.","start":2239.57,"end":2246.29,"sentiment":"neutral","sentiment_score":0.0037465976336254524},{"text":"You have a direct debit that pays Yeah.","start":2246.29,"end":2259.23,"sentiment":"neutral","sentiment_score":0.01159707538317889},{"text":"I believe that one's through super rollover for that one.","start":2259.23,"end":2261.79,"sentiment":"neutral","sentiment_score":-0.0024950441904366015},{"text":"So oh, Oh, you've got a towel policy as well.","start":2261.79,"end":2274.5452,"sentiment":"neutral","sentiment_score":-0.003473600372672081},{"text":"Yeah.","start":2278.7651,"end":2279.085,"sentiment":"neutral","sentiment_score":0.0374821238219738}],"sentiment":"neutral","sentiment_score":0.0030542512678287245,"num_words":55,"start":2239.57,"end":2279.085},{"sentences":[{"text":"Can you send through that detail as well?","start":2279.085,"end":2281.485,"sentiment":"neutral","sentiment_score":0.035884660901501775},{"text":"That's the ticket of currency if you can get a copy of that one, and we'll have a a look at that and see what you're covered for.","start":2281.485,"end":2286.33,"sentiment":"neutral","sentiment_score":0.05459617989669953},{"text":"And then we'll review your insurances as part of that because, obviously, I was only aware of that MLC one that you did have there.","start":2286.33,"end":2293.79,"sentiment":"neutral","sentiment_score":-0.01948196105659008},{"text":"So don't yeah.","start":2301.225,"end":2306.0251,"sentiment":"neutral","sentiment_score":-0.1460582340757052},{"text":"I'll I'll have a look at once you sort of send that through what your original advice was and if that was to to cancel or not if they were aware of that one or if it was a separate one.","start":2306.0251,"end":2314.22,"sentiment":"neutral","sentiment_score":-0.06700342312091734}],"sentiment":"neutral","sentiment_score":-0.017681845259808357,"num_words":105,"start":2279.085,"end":2314.22},{"sentences":[{"text":"Okay.","start":2325.6548,"end":2326.055,"sentiment":"neutral","sentiment_score":-0.015447018668055534},{"text":"Yep.","start":2326.055,"end":2326.555,"sentiment":"neutral","sentiment_score":0.015318985097110271},{"text":"I'm just gonna have a yeah.","start":2329.1748,"end":2332.77,"sentiment":"neutral","sentiment_score":-0.08506422055264314},{"text":"Because depending on Lifecom, I'm not too sure what did occur.","start":2332.77,"end":2336.29,"sentiment":"neutral","sentiment_score":-0.19611822339621457},{"text":"Like, they'll either, like, write you a letter to the sign and send off to be able to cancel those, or if you'd happy canceling himself, they just leave it with you.","start":2336.29,"end":2344.395,"sentiment":"neutral","sentiment_score":-0.124410062097013}],"sentiment":"neutral","sentiment_score":-0.1303712902225408,"num_words":51,"start":2325.6548,"end":2344.395},{"sentences":[{"text":"Obviously, they should probably check up in regards to that, your next interview, if you do have them or not.","start":2344.395,"end":2349.695,"sentiment":"neutral","sentiment_score":-0.052364616096019743},{"text":"But I'm just having a look through that statement of advice.","start":2350.475,"end":2353.7751,"sentiment":"neutral","sentiment_score":-0.0641635117883032},{"text":"I'm just having can't see any mention of a a towel policy.","start":2354.075,"end":2367.8699,"sentiment":"neutral","sentiment_score":-0.29580435653527576},{"text":"Because MLC became like a sender.","start":2377.2551,"end":2379.495,"sentiment":"neutral","sentiment_score":-0.07529335344831149},{"text":"And if you had oh, yeah.","start":2379.495,"end":2380.695,"sentiment":"neutral","sentiment_score":-0.06553516474862893}],"sentiment":"neutral","sentiment_score":-0.11177662434903059,"num_words":55,"start":2344.395,"end":2380.695},{"sentences":[{"text":"St.","start":2380.695,"end":2381.0151,"sentiment":"neutral","sentiment_score":-0.042901404201984406},{"text":"George, there's sometimes the underwriter.","start":2381.0151,"end":2382.635,"sentiment":"neutral","sentiment_score":-0.08454000651836395},{"text":"Like, people will take over policies, and that might have been taken on the old St.","start":2383.2551,"end":2388.67,"sentiment":"neutral","sentiment_score":-0.10309650655835867},{"text":"George policies that they no longer offer, and they sort of been grandfathered.","start":2388.67,"end":2393.01,"sentiment":"neutral","sentiment_score":-0.1947423815727234},{"text":"Oh, okay.","start":2401.8052,"end":2402.2852,"sentiment":"neutral","sentiment_score":0.021178857423365116}],"sentiment":"neutral","sentiment_score":-0.12444429154935721,"num_words":37,"start":2380.695,"end":2402.2852},{"sentences":[{"text":"So it might be more of like a home loan.","start":2402.2852,"end":2404.465,"sentiment":"neutral","sentiment_score":-0.005784571729600429},{"text":"Yeah.","start":2405.405,"end":2405.905,"sentiment":"neutral","sentiment_score":0.021639326587319378},{"text":"Okay.","start":2407.885,"end":2408.385,"sentiment":"neutral","sentiment_score":0.03312189504504204},{"text":"So it might just be, like, attached to your home loan and the what's remaining on the home loan in terms of, like, if you were to pass, it would like, a mortgage type cover, it would cover the remainder of your mortgage.","start":2408.52,"end":2419.5,"sentiment":"neutral","sentiment_score":0.029231435381049335},{"text":"I have seen a few of those previously, but if you don't mind sending that through, Michael, we'll have a look at it and just confirm what type of policy it actually is and then have a conversation with you, see if you do wanna hold it or not.","start":2421.5452,"end":2431.965,"sentiment":"neutral","sentiment_score":0.012404315287665444}],"sentiment":"neutral","sentiment_score":0.01790075648862582,"num_words":104,"start":2402.2852,"end":2431.965},{"sentences":[{"text":"No problem.","start":2433.8801,"end":2437.34,"sentiment":"neutral","sentiment_score":-0.29963740706443787},{"text":"Yeah.","start":2439.8,"end":2440.12,"sentiment":"negative","sentiment_score":-0.39788544178009033},{"text":"So it might sort of be null and void in the sense that, like, you're only covering for money that, like, you could essentially just pay off anyway should anything do go wrong.","start":2440.12,"end":2448.745,"sentiment":"negative","sentiment_score":-0.4007454266150792},{"text":"Plus you do have the life cover with MLC or a sender depending on the name that you see.","start":2448.745,"end":2454.185,"sentiment":"neutral","sentiment_score":0.06737975354649518},{"text":"They have obviously changed that as well.","start":2454.185,"end":2456.125,"sentiment":"neutral","sentiment_score":0.017817999635423933}],"sentiment":"neutral","sentiment_score":-0.20672287128024525,"num_words":62,"start":2433.8801,"end":2456.125},{"sentences":[{"text":"Yeah.","start":2457.145,"end":2457.5452,"sentiment":"neutral","sentiment_score":0.014833586290478706},{"text":"Do you have the info at OQ Financial or just my personal email there?","start":2457.5452,"end":2463.79,"sentiment":"neutral","sentiment_score":0.006362278380298189},{"text":"Probably don't reply to that one just because it's linked to that Odoo.","start":2464.97,"end":2467.37,"sentiment":"neutral","sentiment_score":-0.13541358709335327},{"text":"I don't know how that sort of returns.","start":2467.37,"end":2469.1501,"sentiment":"neutral","sentiment_score":-0.09088847227394581},{"text":"So if you just respond to, like, a info@oqfinancial.com.au, or you can send it to my personal, which is kyle, khyl,@OakviewFinancial.com.au.","start":2469.85,"end":2481.0552,"sentiment":"neutral","sentiment_score":0.014373907198508581}],"sentiment":"neutral","sentiment_score":-0.03652152413371624,"num_words":57,"start":2457.145,"end":2481.0552},{"sentences":[{"text":"Perfect.","start":2495.05,"end":2495.55,"sentiment":"positive","sentiment_score":0.5328472852706909},{"text":"Once it sort of comes through, we'll have a a look through that and just to see if it's what type, as I said, policy it is, if it's worth keeping or not, you might sort of, yeah, just look at removing it.","start":2496.01,"end":2506.135,"sentiment":"neutral","sentiment_score":0.11996434091828591},{"text":"But with that, if you do want us to review everything entirely, we can do that, provide another advice piece.","start":2506.135,"end":2511.0952,"sentiment":"neutral","sentiment_score":0.12474137227982282},{"text":"Otherwise, we can give you some general information and do sort of just a general information.","start":2511.0952,"end":2516.08,"sentiment":"neutral","sentiment_score":0.13221077667549253},{"text":"You can make a decision off that depending on how long you wanna wait for another advice document, if that makes sense as well.","start":2516.1401,"end":2521.28,"sentiment":"neutral","sentiment_score":0.12126921908929944}],"sentiment":"neutral","sentiment_score":0.12703822187792796,"num_words":104,"start":2495.05,"end":2521.28},{"sentences":[{"text":"Perfect.","start":2522.86,"end":2523.36,"sentiment":"positive","sentiment_score":0.43901562690734863},{"text":"But do you have any other questions in regards to the advice piece at all today, Michael?","start":2523.5,"end":2527.2002,"sentiment":"neutral","sentiment_score":0.11832902229884092},{"text":"Perfect.","start":2530.675,"end":2531.075,"sentiment":"positive","sentiment_score":0.6460621356964111},{"text":"Have a chance to read through it, see if you're happy with everything.","start":2531.075,"end":2533.555,"sentiment":"positive","sentiment_score":0.4432169313614185},{"text":"There is the fixed fee arrangement for your superannuation.","start":2533.555,"end":2536.375,"sentiment":"neutral","sentiment_score":0.32218703296449447}],"sentiment":"neutral","sentiment_score":0.28678474502592555,"num_words":41,"start":2522.86,"end":2536.375},{"sentences":[{"text":"Once you were to be, like, happy with that or not, because they do require, like, bank details and how you would deposit it, they'll just contact you once you were to sign that document.","start":2536.675,"end":2545.28,"sentiment":"neutral","sentiment_score":0.25301443678992136},{"text":"They'll organize the actual application for the IDPS, add the bank details, everything like that, get that signed, and get that on the way as well as part of the implementation once you were to sign the document or not.","start":2545.28,"end":2556.0752,"sentiment":"neutral","sentiment_score":0.22753852251917123},{"text":"Perfect.","start":2557.895,"end":2558.395,"sentiment":"neutral","sentiment_score":0.18450579047203064},{"text":"Yeah.","start":2564.5352,"end":2564.935,"sentiment":"neutral","sentiment_score":0.14736759662628174},{"text":"So sometimes, like, just to open it, you can just sort of do a certain fee and then be able transfer with the details from that as well.","start":2564.935,"end":2571.5,"sentiment":"neutral","sentiment_score":0.11064291426113673}],"sentiment":"neutral","sentiment_score":0.20368496356975466,"num_words":105,"start":2536.675,"end":2571.5},{"sentences":[{"text":"But that'll be able to explain all that and sort of the options you do have in terms of, like, the direct debits and things like that, whether or not you do, like, the full amount upfront or whether or not you sort of, you know, open the account with x amount and then sort of just transfer the rest in at a later date when you've got all the details and everything.","start":2571.56,"end":2586.735,"sentiment":"neutral","sentiment_score":0.11085866391658783},{"text":"Not a problem.","start":2589.2751,"end":2589.995,"sentiment":"positive","sentiment_score":0.37782252828280133},{"text":"Because, yeah, there's not an upfront fee with that account anyway.","start":2589.995,"end":2592.5552,"sentiment":"neutral","sentiment_score":0.20487552948973395},{"text":"So with that, it's just the ongoing, and that'll be charged just like a flat monthly amount, which won't fluctuate with the market.","start":2592.5552,"end":2598.235,"sentiment":"neutral","sentiment_score":0.20773342640503592},{"text":"So it'll just be set for getting up to that fee for the twelve month period.","start":2598.235,"end":2602.21,"sentiment":"neutral","sentiment_score":0.21150676254183054}],"sentiment":"neutral","sentiment_score":0.1558869673264405,"num_words":126,"start":2571.56,"end":2602.21},{"sentences":[{"text":"But if you don't have any questions for me there, Michael, as I said, have a bit of read through, see if you're happy with it.","start":2602.51,"end":2606.03,"sentiment":"neutral","sentiment_score":0.19527466967701912},{"text":"Otherwise, I'll let you get back to you in your morning.","start":2606.03,"end":2607.63,"sentiment":"neutral","sentiment_score":0.30979261615059595},{"text":"Thanks for your time today.","start":2607.63,"end":2608.85,"sentiment":"positive","sentiment_score":0.8026906251907349},{"text":"Yeah.","start":2613.8848,"end":2614.125,"sentiment":"neutral","sentiment_score":0.12466844916343688},{"text":"Just click that link, sign the document.","start":2614.125,"end":2615.805,"sentiment":"neutral","sentiment_score":0.12088893034628459}],"sentiment":"neutral","sentiment_score":0.2693840855360031,"num_words":50,"start":2602.51,"end":2615.805},{"sentences":[{"text":"Once they get that and sort of action that, they'll get in contact with you to arrange that application.","start":2615.805,"end":2620.2249,"sentiment":"neutral","sentiment_score":0.23197756472386813},{"text":"Not a problem at all, Michael.","start":2622.605,"end":2623.7249,"sentiment":"positive","sentiment_score":0.5888981223106384},{"text":"Well, thanks for your time.","start":2623.7249,"end":2624.6848,"sentiment":"positive","sentiment_score":0.7835411310195923},{"text":"If you have any questions, shoot us an email, give us a call.","start":2624.6848,"end":2627.11,"sentiment":"positive","sentiment_score":0.3366286617058974},{"text":"And when I see your email come through with that insurance information, I'll give it a look for you there.","start":2627.11,"end":2632.33,"sentiment":"positive","sentiment_score":0.3718055494129658}],"sentiment":"positive","sentiment_score":0.3757293922087503,"num_words":63,"start":2615.805,"end":2632.33},{"sentences":[{"text":"Bye.","start":2633.19,"end":2633.69,"sentiment":"positive","sentiment_score":0.5710933208465576},{"text":"No problem at all.","start":2634.07,"end":2634.79,"sentiment":"positive","sentiment_score":0.6299256235361099},{"text":"Enjoy the rest of your day, Michael.","start":2634.79,"end":2635.83,"sentiment":"positive","sentiment_score":0.8027243529047284},{"text":"Thanks.","start":2635.83,"end":2636.33,"sentiment":"positive","sentiment_score":0.7580087184906006},{"text":"Bye.","start":2637.19,"end":2637.69,"sentiment":"neutral","sentiment_score":-0.022860899567604065}],"sentiment":"positive","sentiment_score":0.6746438645890781,"num_words":14,"start":2633.19,"end":2637.69}]}}]},{"alternatives":[{"transcript":"Hi. Michael speaking. I'm good. How are you? Yep. Yep. Michael or Mark Murphy. 20 37th 1974, And 6 Augustin Crescent Patriot. No. Yep. Yep. Yeah. I've got a little bit of time this morning. But, yeah, I'd like to have a look as well. So I'd like to do both. Okay. Yep. Now just put it on to me big computer because it's just come on to the the phone. Just so I can see it properly and talk to you properly. Otherwise, I'll get distracted. With which one? Yep. Yeah. Is that in my super, or is this we're moving forward. Yep. Okay. Okay. Yep. I'm not gonna look. Yeah. Yeah. Connor, just waiting a couple of weeks now. Okay. Yeah. Well, so I was I was thinking this was gonna change the conversation slightly. Yep. Yep. Yep. I'm a yes. It does. Yep. Yes. Yep. We're having a quiet first quarter. Third quarter, I guess you call it, but, yeah, for this year. Yeah. Around that, something like that. I don't remember exactly. Yep. No. I don't. Page 20. Sorry. What page? Oh, which one am I on there? Oh, sorry. I switched to a different one. I mean, I have some 21 on one. Yep. Yep. Are you calling Which ones are the index ones when I'm looking at it? Is yes. Right. Okay. Yep. So that's my Subaru and alright. That alright. Yeah. Yep. Right. Yep. Yep. Yep. Yep. No. Yep. So you guys just adjust to suit whatever's going on anyway, don't you? I don't have to come and tell you that, oh, no. That one's not looking good. That was the understanding. Is that right? Or yep. Yep. Okay. Yep. Okay. Okay. Yep. It does. Yes. I was watching that. Hasn't gold gone up a lot just recently too because of the war or or at the same time? Yep. Yeah. Yeah. All I know is my dad's selling all of his right now. Oh, he's retired and he's in his seventies and he's went bugger. Good enough to sell now. Yep. I have to West Helena. Yeah. I'm not wanting to panic too much. Yeah. Not really. No. I locked a yeah. I locked the idea of moving what do you call it? Panel on? Yep. Get rid of it. Yep. Yep. Yep. Yep. Yep. Yep. What's the amount of say, insurance cover? Because when I'm looking at some of the insurance on there, I think I've got doubled up. So I'm gonna have to close some other ones. But not not not with you guys. Yeah. Yeah. I don't think I've ever closed ones I've had prior. So I'm obviously paying, you know, more than I need to do. No. It's just personal. Yeah. I have to find them because they're direct debit out of my account. And there's a a few of them. I was just tracking it the other week. What the hell? Have I still got that? Yeah. I've got one in the post the other day, see. I've had a tell me to do this more to do list. Yep. I was saying it somewhere. I only I know where I saying it. Yeah. I'll just notice when I was scrolling through. Yep. That's it. I call. My dog's being annoying. He doesn't like me talking on the phone. Yeah. Is that straight to MLC, direct debit from my personal account, or is that through paid through the super? Yeah. I might have two of those. Oh, I've got a lot cover with t a l. Yeah. Personal one. Yeah. I'll have to get a look at that. No. I didn't realize, yeah, as I was going through the bank thinking what the what is all that. Because I thought I did close them, but, obviously, I didn't. Yeah. Yeah. They I remember we when I initially set up, we spoke about it and, yeah, get rid of some and and hate rather than doubling up. K. That was a while ago. Yes. No. I think it changed Grant because it was through, like, Saint George. Yeah. Yep. It says what it does say on here is your home loan protection renewal summary for life cover, but the product name is life life cover. Yep. Yep. So I don't have a well, I do have a home loan, but I don't have any money owing on it. Yeah. I've got the email you just sent me. Yeah. Okay. Yep. Yep. Alright. Alright. Hello. Hello. It's good to me. Yep. I'm pretty sure where I've got it sitting. I can't transfer out of that. I've gotta put it into a banking spending account and then not transfer from there. Yep. Yep. Okay. Yep. And if I'm all happy, how do I proceed? Just sign it? Or yep. Okay. Cool. Thank you very much. You too. 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Michael speaking. I'm good. How are you? Yep.\n\nYep. Michael or Mark Murphy. 20 37th 1974, And 6 Augustin Crescent Patriot. No. Yep.\n\nYep. Yeah. I've got a little bit of time this morning. But, yeah, I'd like to have a look as well. So I'd like to do both.\n\nOkay. Yep. Now just put it on to me big computer because it's just come on to the the phone. Just so I can see it properly and talk to you properly. Otherwise, I'll get distracted.\n\nWith which one? Yep. Yeah. Is that in my super, or is this we're moving forward. Yep.\n\nOkay. Okay. Yep. I'm not gonna look. Yeah.\n\nYeah. Connor, just waiting a couple of weeks now. Okay. Yeah. Well, so I was I was thinking this was gonna change the conversation slightly.\n\nYep. Yep. Yep. I'm a yes. It does.\n\nYep. Yes. Yep. We're having a quiet first quarter. Third quarter, I guess you call it, but, yeah, for this year.\n\nYeah. Around that, something like that. I don't remember exactly. Yep. No.\n\nI don't. Page 20. Sorry. What page? Oh, which one am I on there?\n\nOh, sorry. I switched to a different one. I mean, I have some 21 on one. Yep. Yep.\n\nAre you calling Which ones are the index ones when I'm looking at it? Is yes. Right. Okay. Yep.\n\nSo that's my Subaru and alright. That alright. Yeah. Yep. Right.\n\nYep. Yep. Yep. Yep. No.\n\nYep. So you guys just adjust to suit whatever's going on anyway, don't you? I don't have to come and tell you that, oh, no. That one's not looking good. That was the understanding.\n\nIs that right? Or yep. Yep. Okay. Yep.\n\nOkay. Okay. Yep. It does. Yes.\n\nI was watching that. Hasn't gold gone up a lot just recently too because of the war or or at the same time? Yep. Yeah. Yeah.\n\nAll I know is my dad's selling all of his right now. Oh, he's retired and he's in his seventies and he's went bugger. Good enough to sell now. Yep. I have to West Helena.\n\nYeah. I'm not wanting to panic too much. Yeah. Not really. No.\n\nI locked a yeah. I locked the idea of moving what do you call it? Panel on? Yep. Get rid of it.\n\nYep. Yep. Yep. Yep. Yep.\n\nYep. What's the amount of say, insurance cover? Because when I'm looking at some of the insurance on there, I think I've got doubled up. So I'm gonna have to close some other ones. But not not not with you guys.\n\nYeah. Yeah. I don't think I've ever closed ones I've had prior. So I'm obviously paying, you know, more than I need to do. No.\n\nIt's just personal. Yeah. I have to find them because they're direct debit out of my account. And there's a a few of them. I was just tracking it the other week.\n\nWhat the hell? Have I still got that? Yeah. I've got one in the post the other day, see. I've had a tell me to do this more to do list.\n\nYep. I was saying it somewhere. I only I know where I saying it. Yeah. I'll just notice when I was scrolling through.\n\nYep. That's it. I call. My dog's being annoying. He doesn't like me talking on the phone.\n\nYeah. Is that straight to MLC, direct debit from my personal account, or is that through paid through the super? Yeah. I might have two of those. Oh, I've got a lot cover with t a l.\n\nYeah. Personal one. Yeah. I'll have to get a look at that. No.\n\nI didn't realize, yeah, as I was going through the bank thinking what the what is all that. Because I thought I did close them, but, obviously, I didn't. Yeah. Yeah. They I remember we when I initially set up, we spoke about it and, yeah, get rid of some and and hate rather than doubling up.\n\nK. That was a while ago. Yes. No. I think it changed Grant because it was through, like, Saint George.\n\nYeah. Yep. It says what it does say on here is your home loan protection renewal summary for life cover, but the product name is life life cover. Yep. Yep.\n\nSo I don't have a well, I do have a home loan, but I don't have any money owing on it. Yeah. I've got the email you just sent me. Yeah. Okay.\n\nYep. Yep. Alright. Alright. Hello.\n\nHello. It's good to me. Yep. I'm pretty sure where I've got it sitting. I can't transfer out of that.\n\nI've gotta put it into a banking spending account and then not transfer from there. Yep. Yep. Okay. Yep.\n\nAnd if I'm all happy, how do I proceed? Just sign it? Or yep. Okay. Cool.\n\nThank you very much. You too. Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.96,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.08022834360599518},{"text":"Michael speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.07680258899927139},{"text":"I'm good.","start":5.44,"end":6.0,"sentiment":"positive","sentiment_score":0.5064684450626373},{"text":"How are you?","start":6.0,"end":6.74,"sentiment":"neutral","sentiment_score":0.33155306180318195},{"text":"Yep.","start":12.639999,"end":13.095,"sentiment":"neutral","sentiment_score":0.3174648880958557}],"sentiment":"neutral","sentiment_score":0.2843216094705794,"num_words":9,"start":0.96,"end":13.095},{"sentences":[{"text":"Yep.","start":21.494999,"end":21.994999,"sentiment":"neutral","sentiment_score":0.039559513330459595},{"text":"Michael or Mark Murphy.","start":22.055,"end":23.915,"sentiment":"neutral","sentiment_score":0.029807270970195532},{"text":"20 37th 1974, And 6 Augustin Crescent Patriot.","start":25.415,"end":30.26,"sentiment":"neutral","sentiment_score":0.035499746445566416},{"text":"No.","start":48.735,"end":49.235,"sentiment":"neutral","sentiment_score":-0.11401845514774324},{"text":"Yep.","start":53.95,"end":54.45,"sentiment":"neutral","sentiment_score":-0.01417277380824089}],"sentiment":"neutral","sentiment_score":0.020973022654652597,"num_words":15,"start":21.494999,"end":54.45},{"sentences":[{"text":"Yep.","start":65.63,"end":65.865,"sentiment":"neutral","sentiment_score":0.15529851615428925},{"text":"Yeah.","start":80.15,"end":80.270004,"sentiment":"neutral","sentiment_score":0.06172510609030723},{"text":"I've got a little bit of time this morning.","start":80.270004,"end":82.57,"sentiment":"neutral","sentiment_score":0.04413027150763406},{"text":"But, yeah, I'd like to have a look as well.","start":83.03,"end":85.05,"sentiment":"neutral","sentiment_score":0.1590788945555687},{"text":"So I'd like to do both.","start":85.35,"end":86.73,"sentiment":"neutral","sentiment_score":0.13405403743187586}],"sentiment":"neutral","sentiment_score":0.11145589762815723,"num_words":27,"start":65.63,"end":86.73},{"sentences":[{"text":"Okay.","start":149.925,"end":150.425,"sentiment":"neutral","sentiment_score":0.14008142054080963},{"text":"Yep.","start":153.44499,"end":153.94499,"sentiment":"neutral","sentiment_score":0.09406088292598724},{"text":"Now just put it on to me big computer because it's just come on to the the phone.","start":157.19,"end":162.25,"sentiment":"neutral","sentiment_score":0.04934677171210448},{"text":"Just so I can see it properly and talk to you properly.","start":164.63,"end":167.61,"sentiment":"neutral","sentiment_score":0.09824535933633645},{"text":"Otherwise, I'll get distracted.","start":167.99,"end":176.685,"sentiment":"neutral","sentiment_score":-0.03294763551093638}],"sentiment":"neutral","sentiment_score":0.06026494345213804,"num_words":36,"start":149.925,"end":176.685},{"sentences":[{"text":"With which one?","start":222.56499,"end":223.625,"sentiment":"neutral","sentiment_score":-0.0032998539584999285},{"text":"Yep.","start":226.885,"end":227.385,"sentiment":"neutral","sentiment_score":0.09035848081111908},{"text":"Yeah.","start":341.16,"end":341.32,"sentiment":"neutral","sentiment_score":0.02139200270175934},{"text":"Is that in my super, or is this we're moving forward.","start":341.32,"end":344.755,"sentiment":"neutral","sentiment_score":0.07909100511195985},{"text":"Yep.","start":344.975,"end":345.475,"sentiment":"positive","sentiment_score":0.33820268511772156}],"sentiment":"neutral","sentiment_score":0.07706203899921521,"num_words":17,"start":222.56499,"end":345.475},{"sentences":[{"text":"Okay.","start":346.095,"end":346.595,"sentiment":"neutral","sentiment_score":0.206682950258255},{"text":"Okay.","start":378.565,"end":379.065,"sentiment":"neutral","sentiment_score":0.13437530398368835},{"text":"Yep.","start":426.705,"end":427.205,"sentiment":"neutral","sentiment_score":-0.016182556748390198},{"text":"I'm not gonna 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year.","start":740.94,"end":743.52,"sentiment":"neutral","sentiment_score":0.010915380902588367}],"sentiment":"neutral","sentiment_score":0.01786354538940248,"num_words":21,"start":694.33,"end":743.52},{"sentences":[{"text":"Yeah.","start":753.74005,"end":753.98004,"sentiment":"neutral","sentiment_score":0.01765422336757183},{"text":"Around that, something like that.","start":753.98004,"end":755.515,"sentiment":"neutral","sentiment_score":-0.01281529888510704},{"text":"I don't remember exactly.","start":755.515,"end":759.855,"sentiment":"neutral","sentiment_score":-0.03114678943529725},{"text":"Yep.","start":804.27997,"end":804.615,"sentiment":"neutral","sentiment_score":0.10716304183006288},{"text":"No.","start":805.015,"end":805.515,"sentiment":"neutral","sentiment_score":0.018217511475086212}],"sentiment":"neutral","sentiment_score":-0.0038024062911669403,"num_words":12,"start":753.74005,"end":805.515},{"sentences":[{"text":"I don't.","start":815.975,"end":818.935,"sentiment":"neutral","sentiment_score":0.0015804916620254517},{"text":"Page 20.","start":818.935,"end":820.05,"sentiment":"neutral","sentiment_score":-0.002747314516454935},{"text":"Sorry.","start":822.35004,"end":822.67004,"sentiment":"neutral","sentiment_score":-0.053999193012714386},{"text":"What page?","start":822.67004,"end":823.41003,"sentiment":"neutral","sentiment_score":-0.019916601479053497},{"text":"Oh, which one am I on there?","start":828.11,"end":829.47003,"sentiment":"neutral","sentiment_score":-0.0059104466012546}],"sentiment":"neutral","sentiment_score":-0.009824226277747325,"num_words":14,"start":815.975,"end":829.47003},{"sentences":[{"text":"Oh, sorry.","start":829.47003,"end":830.11,"sentiment":"neutral","sentiment_score":-0.06510808691382408},{"text":"I switched to a different one.","start":830.11,"end":832.415,"sentiment":"neutral","sentiment_score":-0.09944816554586093},{"text":"I mean, I have some 21 on one.","start":833.275,"end":840.475,"sentiment":"neutral","sentiment_score":-0.011511376360431314},{"text":"Yep.","start":840.475,"end":840.975,"sentiment":"neutral","sentiment_score":0.06409439444541931},{"text":"Yep.","start":919.21497,"end":919.41,"sentiment":"neutral","sentiment_score":0.23248636722564697}],"sentiment":"neutral","sentiment_score":-0.029023078684177663,"num_words":18,"start":829.47003,"end":919.41},{"sentences":[{"text":"Are you calling Which ones are the index ones when I'm looking at it?","start":960.39996,"end":973.525,"sentiment":"neutral","sentiment_score":0.012708359797086035},{"text":"Is 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you guys just adjust to suit whatever's going on anyway, don't you?","start":1329.17,"end":1333.5701,"sentiment":"neutral","sentiment_score":0.22247957495542672},{"text":"I don't have to come and tell you that, oh, no.","start":1333.5701,"end":1335.5701,"sentiment":"neutral","sentiment_score":-0.1231922297315164},{"text":"That one's not looking good.","start":1335.5701,"end":1337.515,"sentiment":"neutral","sentiment_score":-0.3165854215621948},{"text":"That was the understanding.","start":1337.515,"end":1338.655,"sentiment":"neutral","sentiment_score":-0.04689950309693813}],"sentiment":"neutral","sentiment_score":-0.0028701253673609566,"num_words":34,"start":1328.4501,"end":1338.655},{"sentences":[{"text":"Is that right?","start":1338.875,"end":1339.435,"sentiment":"neutral","sentiment_score":0.020588450133800507},{"text":"Or 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time?","start":1649.155,"end":1656.15,"sentiment":"neutral","sentiment_score":-0.20237922197894045},{"text":"Yep.","start":1658.7101,"end":1659.2101,"sentiment":"neutral","sentiment_score":0.005192707292735577},{"text":"Yeah.","start":1706.6749,"end":1706.73,"sentiment":"neutral","sentiment_score":0.13647732138633728},{"text":"Yeah.","start":1716.97,"end":1717.29,"sentiment":"neutral","sentiment_score":0.1253792643547058}],"sentiment":"neutral","sentiment_score":-0.13192475533399445,"num_words":26,"start":1647.715,"end":1717.29},{"sentences":[{"text":"All I know is my dad's selling all of his right now.","start":1717.29,"end":1719.845,"sentiment":"neutral","sentiment_score":0.0024053989133487144},{"text":"Oh, he's retired and he's in his seventies and he's went bugger.","start":1719.845,"end":1723.665,"sentiment":"neutral","sentiment_score":-0.07324328397711118},{"text":"Good enough to sell 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through.","start":2207.9749,"end":2210.395,"sentiment":"neutral","sentiment_score":0.052044367184862494}],"sentiment":"neutral","sentiment_score":0.0032108430953129478,"num_words":23,"start":2189.045,"end":2210.395},{"sentences":[{"text":"Yep.","start":2221.59,"end":2222.07,"sentiment":"neutral","sentiment_score":0.03877227008342743},{"text":"That's it.","start":2222.07,"end":2222.97,"sentiment":"neutral","sentiment_score":0.06288610585033894},{"text":"I call.","start":2228.495,"end":2229.155,"sentiment":"neutral","sentiment_score":0.03784642741084099},{"text":"My dog's being annoying.","start":2229.695,"end":2231.075,"sentiment":"negative","sentiment_score":-0.57100909948349},{"text":"He doesn't like me talking on the phone.","start":2232.175,"end":2234.0352,"sentiment":"negative","sentiment_score":-0.6176966428756714}],"sentiment":"negative","sentiment_score":-0.41090424731373787,"num_words":17,"start":2221.59,"end":2234.0352},{"sentences":[{"text":"Yeah.","start":2237.135,"end":2237.635,"sentiment":"neutral","sentiment_score":-0.06502653658390045},{"text":"Is that straight to MLC, direct debit from my personal account, or is that through paid through the super?","start":2251.34,"end":2258.445,"sentiment":"neutral","sentiment_score":0.004014052761608343},{"text":"Yeah.","start":2261.545,"end":2262.025,"sentiment":"neutral","sentiment_score":0.0024211909621953964},{"text":"I might have two of those.","start":2262.025,"end":2263.405,"sentiment":"neutral","sentiment_score":-0.005697124637663364},{"text":"Oh, I've got a lot cover with t a l.","start":2268.665,"end":2271.4502,"sentiment":"neutral","sentiment_score":-0.02176192533224821}],"sentiment":"neutral","sentiment_score":-0.00643622552161105,"num_words":37,"start":2237.135,"end":2271.4502},{"sentences":[{"text":"Yeah.","start":2275.03,"end":2275.35,"sentiment":"neutral","sentiment_score":0.004279457964003086},{"text":"Personal one.","start":2275.35,"end":2276.33,"sentiment":"neutral","sentiment_score":-0.007991313934326172},{"text":"Yeah.","start":2276.3901,"end":2276.79,"sentiment":"neutral","sentiment_score":0.01067367009818554},{"text":"I'll have to get a look at that.","start":2276.79,"end":2278.4102,"sentiment":"neutral","sentiment_score":0.007934870605822653},{"text":"No.","start":2294.4849,"end":2294.725,"sentiment":"neutral","sentiment_score":-0.16855250298976898}],"sentiment":"neutral","sentiment_score":-0.008161772149973191,"num_words":13,"start":2275.03,"end":2294.725},{"sentences":[{"text":"I didn't realize, yeah, as I was going through the bank thinking what the what is all that.","start":2294.725,"end":2300.02,"sentiment":"neutral","sentiment_score":-0.22219630661937925},{"text":"Because I thought I did close them, but, obviously, I didn't.","start":2300.8801,"end":2304.26,"sentiment":"neutral","sentiment_score":-0.240435006943616},{"text":"Yeah.","start":2305.6,"end":2306.1,"sentiment":"neutral","sentiment_score":-0.06362996995449066},{"text":"Yeah.","start":2313.4749,"end":2313.795,"sentiment":"neutral","sentiment_score":-0.026287756860256195},{"text":"They I remember we when I initially set up, we spoke about it and, yeah, get rid of some and and hate rather than doubling up.","start":2313.795,"end":2325.19,"sentiment":"neutral","sentiment_score":-0.21446482894512323}],"sentiment":"neutral","sentiment_score":-0.21597055920906233,"num_words":57,"start":2294.725,"end":2325.19},{"sentences":[{"text":"K.","start":2327.01,"end":2327.51,"sentiment":"neutral","sentiment_score":-0.0044484869576990604},{"text":"That was a while ago.","start":2329.3298,"end":2330.5498,"sentiment":"neutral","sentiment_score":-0.0908120334148407},{"text":"Yes.","start":2349.2651,"end":2349.45,"sentiment":"neutral","sentiment_score":0.005629418417811394},{"text":"No.","start":2370.585,"end":2370.825,"sentiment":"neutral","sentiment_score":-0.24148836731910703},{"text":"I think it changed Grant because it was through, like, Saint George.","start":2370.825,"end":2377.9648,"sentiment":"neutral","sentiment_score":-0.1071169621621569}],"sentiment":"neutral","sentiment_score":-0.09898855744395404,"num_words":20,"start":2327.01,"end":2377.9648},{"sentences":[{"text":"Yeah.","start":2385.29,"end":2385.79,"sentiment":"neutral","sentiment_score":-0.014945492148399351},{"text":"Yep.","start":2385.93,"end":2386.43,"sentiment":"neutral","sentiment_score":-0.0015559073071926832},{"text":"It says what it does say on here is your home loan protection renewal summary for life cover, but the product name is life life cover.","start":2393.61,"end":2405.6052,"sentiment":"neutral","sentiment_score":-0.006242885863265166},{"text":"Yep.","start":2431.775,"end":2432.1748,"sentiment":"neutral","sentiment_score":0.03614971041679382},{"text":"Yep.","start":2432.1748,"end":2432.6748,"sentiment":"neutral","sentiment_score":0.0250802468508482}],"sentiment":"neutral","sentiment_score":-0.003919549154428144,"num_words":30,"start":2385.29,"end":2432.6748},{"sentences":[{"text":"So I don't have a well, I do have a home loan, but I don't have any money owing on it.","start":2433.6099,"end":2439.39,"sentiment":"neutral","sentiment_score":-0.29283171785729273},{"text":"Yeah.","start":2461.96,"end":2462.2,"sentiment":"neutral","sentiment_score":0.006749932654201984},{"text":"I've got the email you just sent me.","start":2462.2,"end":2463.98,"sentiment":"neutral","sentiment_score":-0.013795760169159621},{"text":"Yeah.","start":2468.36,"end":2468.76,"sentiment":"neutral","sentiment_score":-0.04287438839673996},{"text":"Okay.","start":2468.76,"end":2469.075,"sentiment":"neutral","sentiment_score":0.0033559524454176426}],"sentiment":"neutral","sentiment_score":-0.19664377061417326,"num_words":32,"start":2433.6099,"end":2469.075},{"sentences":[{"text":"Yep.","start":2492.9302,"end":2493.105,"sentiment":"neutral","sentiment_score":0.1729002445936203},{"text":"Yep.","start":2521.455,"end":2521.955,"sentiment":"neutral","sentiment_score":0.23081794381141665},{"text":"Alright.","start":2523.615,"end":2524.115,"sentiment":"neutral","sentiment_score":0.16690431535243988},{"text":"Alright.","start":2528.415,"end":2528.895,"sentiment":"neutral","sentiment_score":0.13889843225479126},{"text":"Hello.","start":2528.895,"end":2529.135,"sentiment":"neutral","sentiment_score":0.20704224705696103}],"sentiment":"neutral","sentiment_score":0.18331263661384584,"num_words":5,"start":2492.9302,"end":2529.135},{"sentences":[{"text":"Hello.","start":2529.135,"end":2529.295,"sentiment":"neutral","sentiment_score":0.3215886354446411},{"text":"It's good to me.","start":2529.295,"end":2530.05,"sentiment":"positive","sentiment_score":0.581199049949646},{"text":"Yep.","start":2556.305,"end":2556.6,"sentiment":"neutral","sentiment_score":0.12622281908988953},{"text":"I'm pretty sure where I've got it sitting.","start":2557.24,"end":2559.1602,"sentiment":"neutral","sentiment_score":-0.009076342917978762},{"text":"I can't transfer out of that.","start":2559.1602,"end":2560.4402,"sentiment":"neutral","sentiment_score":-0.30346670870979625}],"sentiment":"neutral","sentiment_score":0.04395983293652535,"num_words":20,"start":2529.135,"end":2560.4402},{"sentences":[{"text":"I've gotta put it into a banking spending account and then not transfer from there.","start":2560.4402,"end":2564.1401,"sentiment":"neutral","sentiment_score":0.03831657605866591},{"text":"Yep.","start":2573.655,"end":2574.155,"sentiment":"neutral","sentiment_score":0.17589792609214783},{"text":"Yep.","start":2587.5098,"end":2588.0098,"sentiment":"neutral","sentiment_score":0.18856018781661987},{"text":"Okay.","start":2588.3098,"end":2588.8098,"sentiment":"neutral","sentiment_score":0.25612500309944153},{"text":"Yep.","start":2608.98,"end":2609.38,"sentiment":"positive","sentiment_score":0.338570237159729}],"sentiment":"neutral","sentiment_score":0.08073168394989089,"num_words":19,"start":2560.4402,"end":2609.38},{"sentences":[{"text":"And if I'm all happy, how do I proceed?","start":2609.38,"end":2612.3398,"sentiment":"neutral","sentiment_score":0.2748115128941006},{"text":"Just sign it?","start":2612.3398,"end":2613.22,"sentiment":"neutral","sentiment_score":0.11028273900349934},{"text":"Or yep.","start":2613.22,"end":2616.675,"sentiment":"neutral","sentiment_score":0.12346915155649185},{"text":"Okay.","start":2620.915,"end":2621.315,"sentiment":"positive","sentiment_score":0.3862060606479645},{"text":"Cool.","start":2621.315,"end":2621.815,"sentiment":"positive","sentiment_score":0.5434737205505371}],"sentiment":"neutral","sentiment_score":0.24879811983555555,"num_words":16,"start":2609.38,"end":2621.815},{"sentences":[{"text":"Thank you very much.","start":2632.8127,"end":2633.953,"sentiment":"positive","sentiment_score":0.6486157476902008},{"text":"You too.","start":2635.8528,"end":2636.493,"sentiment":"positive","sentiment_score":0.5658630132675171},{"text":"Bye.","start":2636.493,"end":2636.993,"sentiment":"positive","sentiment_score":0.4096534252166748}],"sentiment":"positive","sentiment_score":0.5908346346446446,"num_words":7,"start":2632.8127,"end":2636.993}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hi. Michael speaking.\n\nChannel 0: Good morning, Michael. It's Carl calling from OQ Financial. How are you today?\n\nChannel 1: I'm good. How are you?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I've got you scheduled in for your statement advice presentation this morning. Is now still a good time for you?\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Just to jump into that one today, Mark, if I just pass through security with that name, date, and birth, and current address, we can get stuck into it.\n\nChannel 1: Yep. Michael or Mark Murphy.\n\nChannel 0: Yep.\n\nChannel 1: 20 37th 1974, And 6 Augustin Crescent Patriot.\n\nChannel 0: Right. Perfect. And then just to confirm too, Michael, just because there was a little bit of a, you know, back and forth there with you potentially speaking to the mortgage broker with the investment. And I can just confirm that in regards to your details, nothing's sort of significant changed in the last sort of few months since we last sort of confirmed those.\n\nChannel 1: No.\n\nChannel 0: Brent occupation, you know, still self employed, still running the business. No sort of changes\n\nChannel 1: Yep.\n\nChannel 0: to dependents or all that sort of good stuff. Perfect. Not a problem at all. Now I will be sending this through there to MickMerse74@Gmail.com,\n\nChannel 1: Yep.\n\nChannel 0: and then we'll just run through that one quickly. How much time do you have there this morning, Mark? Because I can make it a a little more brief and give you a chance to run through it yourself and come back with any questions, or I can go, like, a little bit more in-depth depending on, you know, how much time you wanna talk to me on the phone this morning.\n\nChannel 1: Yeah. I've got a little bit of time this morning. But,\n\nChannel 0: Perfect.\n\nChannel 1: yeah, I'd like to have a look as well. So I'd like to do both.\n\nChannel 0: Great. So that should come through shortly. Now it's Odoo instead of the DocuSign you probably previously used. I'm not too sure if you've signed an OdooSign before. Similar to DocuSign, it just comes through in an email from Oakview via Odoo.\n\nIt'll say it came from myself, Kyle Giddings. Now with that one there, they'll have some attachments. So that's your supporting documentation as well as your your statement of advice there. In addition to that, you'll also have there the link to sign the signable document should you be happy with the advice. But you don't need to click on that link.\n\nYou can just click on the the statement advice and the the attachments there. We can run through it together. You can take as much time to sort of read through it there as well. Now this one was finalized on the March 2 then, so they're valid for for sixty days from that date. Obviously, just took a little bit there to to get it booked in from when it was finalized with the the business being a little bit busy.\n\nBut in saying that, if you sort of take a little bit longer than that, we can just confirm you a few details, update a few figures, and it should be fine there as well. But you still got plenty of time to be able to read through that and make a a decision there.\n\nChannel 1: Okay.\n\nChannel 0: Now has that one come through\n\nChannel 1: Yep.\n\nChannel 0: to you there? Perfect. If you could just open up the\n\nChannel 1: Now\n\nChannel 0: that statement\n\nChannel 1: just\n\nChannel 0: advice.\n\nChannel 1: put it on to me big computer because it's just come on to the the phone.\n\nChannel 0: Not a problem at\n\nChannel 1: Just\n\nChannel 0: all.\n\nChannel 1: so I can see it properly and talk to you properly. Otherwise,\n\nChannel 0: Yeah.\n\nChannel 1: I'll\n\nChannel 0: Yeah.\n\nChannel 1: get\n\nChannel 0: No. Completely understandable. It is a lot of words coming at you as well. So, you know, I do recommend sort of after the the phone call\n\nChannel 1: distracted.\n\nChannel 0: digest a little bit, take a bit a bit of time to have a quick look through the document. It is quite straightforward in the sense that we are just looking at that investment account for you. And then we're also just looking at making a couple of tweaks to superannuation. I know we didn't discuss that really in terms of making too many changes, but just as a business decision, they came out with a few adjustments in part like, in terms of some underlying assets, and I'll let you know what those are and what the the changes will be and what that looks like. Have you got that one up there in front of you there, Michael, now?\n\nChannel 1: With which one?\n\nChannel 0: The the statement advice?\n\nChannel 1: Yep.\n\nChannel 0: Yep. So on the the third page there, you do see the the scoping and what's considered in the statement advice. So, obviously, consider the personal investment of you wanting to invest that 300,000 in that long term sort of strategy to be able to have that invested in something other than your superannuation, have that invested a little bit more aggressively than your superannuation. In addition to that one, as I said, we're just looking at updating a few underlying assets in that. So as a business decision, there's a fund that you hold called Bennelong.\n\nNow within regards to that, you don't have the most significant holding of it, but I'm not too sure if I I mentioned to you previously, but they have an underlying asset there called corporate traveler. Now with that one at the end of sort of last year, they were identified as not account like, keeping accounting records correctly. And as a result of that, they were on a trading hold. Bennelong had to re sort of value that and with that trading hold. And then also people lost a bit of consumer confidence with the Bennelong fund itself for having that underlying investment that's caused that significant dip.\n\nSo within regards to that, we are looking at replacing that just because over the long term, the investment key does believe that they will be able to recover and perform consistently to the point where they were previously. Now as a result of that, you you only have around the 8.6% in Benelong at the moment, so we'd be looking at replacing that with a an index fund that is within the Australian region. It is a bit cheaper of an investment, and you don't have that actively managed portion to that. You'll still have some active management in the ClearBridge rare infrastructure fund that you do have in there currently. And then we're also looking at replacing just the bank hybrids, and that's purely because of the fact that they are phasing those out as a product, and we're just looking at removing it and replacing it with an alternative in the event that sort of, you know, you did hold them up to the point where you can no longer hold them as an asset, if that makes sense.\n\nChannel 1: Yeah. Is that in my super, or is this we're\n\nChannel 0: That's\n\nChannel 1: moving\n\nChannel 0: in your\n\nChannel 1: forward.\n\nChannel 0: super\n\nChannel 1: Yep.\n\nChannel 0: that yeah. That's in your your\n\nChannel 1: Okay.\n\nChannel 0: superannuation in regards to those underlying investments. The rest of portfolio has been tracking quite nicely. So as a result of that, we are not looking at changing that. We're just looking at changing in regards to that that Ben along to that BetaShares Australian two hundred. And then with the the bank hybrids there, we can look at sorta you can hold them up until 2032.\n\nSo just be mindful of that. Like, you hold them until sorta such time that we need to replace them just so you're aware that that's another change that will be coming.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Now as far as the the same advice itself is quite simple in the sense that we're recommending that you establish a personal investment account with the Hub 24 platform where you hold your superannuation at the moment. Now one of the benefits of that is that you do get linked admin fees for your funds under management. So as a result of that, it'll actually lower your overall administration costs for holding the the funds under the one platform.\n\nOn page 70, you will see just your general details. If you do wanna confirm they are correct and haven't sort of changed, on the page over, you will see those assets and liabilities. And then the next page over, you'll be able to see your your current balance within your hub 24 and then also your insurances that you do hold, which we're not looking at changing at the moment, if that makes sense.\n\nChannel 1: Yep. I'm not gonna look. Yeah.\n\nChannel 0: Just while you're having a look through those, so your risk profile with superannuation, you still agreed to keep that balanced growth portfolio. You don't wanna look at increasing that you're happy with how that's traveling within a balanced growth profile. Within regards to the IDPS investment, you did state that you wanted to have a little bit more exposure, even sort of generally we do it the other way around having a little bit more in suit because you can't touch it and a little less in, like, your IDPS accounts because you can draw down on them. But you wanted to bump it up just to that growth, which is around that eighty twenty split, if you remember that conversation.\n\nChannel 1: Yeah. Connor, just waiting a couple\n\nChannel 0: Yep.\n\nChannel 1: of weeks now.\n\nChannel 0: Yeah. Yeah. So within regards to your your balance growth, there can be sort of anywhere between 60 to 70% growth assets, whereas the the the growth fund is about the eighty twenty sort of split around those sort of marks. Now\n\nChannel 1: Okay.\n\nChannel 0: in regards to the recommendation for the the personal investment, as I said, we're recommending you do it on hub twenty four for the benefits of the aggregate trading, having it all under the one sort of place. You don't have to have two separate accounts in regards to that. You'll be able to view it under your sort of one portal with the the linked account there. You're a bit more familiar with Hub twenty four as well, and you get the benefit of those reduced fee costs. Now in regards to why it's been your best interest there, we determine that Hub twenty four would be the most appropriate based on the the potential for the capital growth with the portfolios that we can build on that in conjunction with holding it with your your superannuation there as well.\n\nMuch like your superannuation, we review it as a minimum every twelve months. You can have more regular reviews as well. Having a growth portfolio, you're sort of looking at that sort of seven to eight year time frame of holding it to try and get those average returns with the fluctuations in the market. Now I'm sure you're aware of, like, what's happening currently with the, you know, the wars in Iran and everything like that. The markets are a little bit volatile at the moment.\n\nChannel 1: Yeah. Well,\n\nChannel 0: So there's\n\nChannel 1: so I was\n\nChannel 0: something\n\nChannel 1: I was thinking this was gonna change the conversation\n\nChannel 0: yeah. In saying that too, so although it is quite a volatile time, you may see some, like, ups and downs in the first sort of six to twelve months within\n\nChannel 1: slightly.\n\nChannel 0: that, but timing the market's better than sort of trying to time the market. You never know when it's\n\nChannel 1: Yep.\n\nChannel 0: gonna, like, the war's gonna stop, when it's gonna sort of recover. As long as you're willing to hold it for that sort of allotted time frame, the the time in the market can outweigh just trying to time that market, and the markets themselves have taken a tiny bit of a a dip through the start of the year there. So even then, if they were to start recovering sort of in the next sort of few months there, you might see the potential upside. If the war continues and it creates that little bit more volatility too, you might see a little bit of it down before you start to see an up. But, obviously, investing is that longer term game.\n\nChannel 1: Yep.\n\nChannel 0: And with that, if you're sort of willing to hold it that seven to eight year sort of ten year time frame with those investments, time in the market still as long as you hold and have high conviction within those investments, the market over those periods generally trends upwards there as well. And then, obviously, with that, it does increase your level of risk just at the moment with what is happening. But as long as you're comfortable with that risk and you're not gonna sort of panic sell out. You're not really losing money until such time that you do sell the investment. So within regards to the portfolio we are recommending as well, it doesn't have any managed funds at the moment.\n\nSo, obviously, it's a bit hard to pick winners with what is occurring at the moment. So the investments that we are recommending just is a index type investment. So it's like those ETF funds that follows and track those indexes over the world. We do have exposure across Europe, Japan, outside The US, The US itself, and Australia, which gives you a nice broad spectrum there that over the the long term, it should tick along and up nicely even though if it does see some volatility in the first sort of six to twelve months then,\n\nChannel 1: Yep. I'm\n\nChannel 0: if\n\nChannel 1: a\n\nChannel 0: that makes sense.\n\nChannel 1: yes. It does.\n\nChannel 0: Yep. Perfect. Now with in regards to that, we just given that you are increasing your risk and you're a little bit more risk adverse, that's why also additionally why we didn't add those actively managed funds because much like with WorkCare with Benelung, they can have those really good years, and then they can also have the years where they perform, you know, that negative 20%, and it can really sort of start to have adverse effects depending on how much holdings you have. At the moment, Ben Long isn't it sort of huge holding in your portfolio and within superannuation. But if sort of both your actively managed funds did have a bad year, it would sort of impact the growth within your fund.\n\nChannel 1: Yep.\n\nChannel 0: That makes sense?\n\nChannel 1: Yes.\n\nChannel 0: So within regards to that, you know, you'll have all the benefits of being ongoing clients still with that and then having it. You'll have those aggregated fees all in the one platform there. We could look at changing things that they have the the freedom of adjustments. And should you ever wanna sort of pull it out, you can. Just be mindful of the fact that within regards to the the interest and the the earnings on those sort of accounts, you do, like, form part of, like, individual tax returns.\n\nAnd I know you sort of already at that higher sort of income with the dividends you pay yourself even though they are frank. So if you weren't sort of franking those dividends, had a higher income, you're looking sort of potentially maybe, you know, additional taxes, things like that as well, which is something to be mindful\n\nChannel 1: Yep. We're having a quiet first quarter. Third quarter, I guess you call it, but, yeah, for this year.\n\nChannel 0: of. Yeah. Because your base is around the $1.20. Correct? And then the rest of that comes from, like, those frank dividends from your company that makes up the majority of the rest of your income?\n\nChannel 1: Yeah. Around that, something like that. I\n\nChannel 0: Yeah.\n\nChannel 1: don't\n\nChannel 0: Okay.\n\nChannel 1: remember\n\nChannel 0: The other alternatives we\n\nChannel 1: exactly.\n\nChannel 0: sort of did consider were investment bonds. So they operate much like to an IDPS account, but they're held by a company. You can look at reducing taxes that way and the the overall cost of, like, the investment long term, but you do have to hold those for ten years for that benefit. And given that you might wanna sort of access them for early retirement, to to things down the future, should it be performing well enough that you feel like you wanna, you know, make other purchases, other investments, so we didn't lock it away for that ten years. And then we also considered some other providers there as well in terms of platforms who could hold it.\n\nThat may be a tiny bit cheaper. But given the fact that Hub twenty four has that aggregate trading, you get the benefit of having, you know, administration costs that are lowered by having the pooled fees and funds. We just recommended staying on the Hub twenty four platform, if that makes sense.\n\nChannel 1: Yep. No.\n\nChannel 0: Perfect. On page 20 there, you will see a breakdown of the investments. Now as I said, you don't have actively managed funds in this portfolio. It is in line with the\n\nChannel 1: I\n\nChannel 0: growth portfolio, which is around that eighty twenty split\n\nChannel 1: don't. Page\n\nChannel 0: With\n\nChannel 1: 20.\n\nChannel 0: that eighty twenty, sorry.\n\nChannel 1: Sorry. What page?\n\nChannel 0: On page 20, you'll see the breakdown of the actual investments you hold.\n\nChannel 1: Oh, which one am I on there? Oh, sorry. I switched to a different one. I mean, I have some 21 on one. Yep.\n\nChannel 0: Yeah. So that page and the next page will give you the breakdown not only of the the sort of split, but then your actual portfolio. Now at the moment, it's sort of saying that you sort of run 86% growth. That's around 14% defensive, and that's because purely they've considered gold to be a full growth asset in the sense that, you know, the way gold has been performing, it's very capital in nature with what it has been sort of being able to do. And then with that, they have just considered to be fully growth.\n\nNow gold can be considered a bit of alternative where you do get that defensive portion that during market downturns as well. Gold tends to trickle up as opposed to that sort of negatively correlated. But so you looks like you're a little bit more overly exposed to growth assets, but that gold's considered a 100% growth at the moment. That's around the 10%. With that, you do have a little bit exposure to the tech sort of space.\n\nAnd with the the cybersecurity, it's only 5% a bit of a satellite with how it has been sort of traveling. It's down at the moment, so they still do have conviction in that long term. So at the moment, if you bought in low and it sort of makes a nice recovery, that'll be a good point. In regards to that as well, you do have nice exposure within, you know, Europe, Japan, outside The US, and then also inside The US and Australia, which gives you a nice sort of geographical range of investments as well as the companies that are composed within those sort of regions as well.\n\nChannel 1: Yep.\n\nChannel 0: You'll also have the iShares composite bond, which is purely just a defensive asset there, which aims to sort of protect that during market downturns a little bit as well. So you get nice amount of exposure, reduce sort of manager risk by not having those actively portions, finished portions. And then with that, over the long term, you know, those index investments tend to outperform managed portfolios over the long term period. Managed funds sort of tend to either do really well or sort of quite poorly, and they're sort of maybe sometimes in between. Whereas the indexes, if the markets are doing alright, they they tend to do alright as well, but you won't be able to sort of outperform whatever the markets are doing because you're basically trying to track those markets, if that makes sense.\n\nChannel 1: Are you calling\n\nChannel 0: Yep. Did you need for me to explain, like, anything sort of more in-depth in regards to those index investments as opposed to having actively managed investments?\n\nChannel 1: Which ones are the index ones when I'm looking at it? Is\n\nChannel 0: So that that entire portfolio, that on that\n\nChannel 1: yes.\n\nChannel 0: page 20 there, they're all indexed investments. So iShares tracks the top 500 companies, ISMP\n\nChannel 1: Right.\n\nChannel 0: five hundred five hundred companies\n\nChannel 1: Okay.\n\nChannel 0: in America. BetaShares Australia tracks the top 200. Now it's fluid in the sense that if a company within those sort of regions on those exchanges there was to, you know, skyrocket in terms of, like, growth and price, if it makes it to those top 500, you'll hold it as an asset. If they sort of become an under performer and fall out of that top, like, 500, you won't hold it anymore, which is sort of dynamic in the sense that, you know, as companies grow and fall, you know, you're switching those investments dynamically along the way and just tracking those markets, whereas those managed funds aim to, you know, pick a few winning horses that they believe are gonna get that massive sort of growth, and they sort of try and outperform the market and trying to find those companies that have the high potential upsize, whereas you kind of hold the companies that are already sort of stable in those those top sort of brackets, if that makes sense.\n\nChannel 1: Yep. So that's my Subaru and\n\nChannel 0: No. That's the personal investment one on page 20, the\n\nChannel 1: alright.\n\nChannel 0: recommendation.\n\nChannel 1: That alright. Yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Yep.\n\nChannel 0: Yep. So with the the fee of, like, the upfront investment cost of that, it's looking around $296,250 that'll be invested, and that's the breakdown of those investments. So your\n\nChannel 1: Right.\n\nChannel 0: key holdings\n\nChannel 1: Yep.\n\nChannel 0: there will be the iShares of p 500 and the BetaShares Australian two hundred. The rest of them are sort of split to be more satellite. But if they were to sort of not perform within those sort of regions or have a negative year, that your portfolio wouldn't be as negatively affected, whereas, you know, that your banking sort of on Australia and the the American market sort of tracking nicely over the next sort of seven to eight years in growth to be able to sort of get nice sustained income or, like, capital growth out of your investment.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. If you scroll down to the page 22 there, you'll see the outline of the sort of ongoing investment costs of that. And with that, what it looks like in terms of the administration fees, investment costs, and then also the other fees and adviser fees that'll be attached to that. Now within regards to that one, I do see that they haven't done the the flat fee for that one. It was just based on aggregate balance.\n\nSo within regards to that one, we're recommending because you've got the two funds under OQN at the moment. There is that cap of 600,000 to just do a flat fee across the two accounts so that because you're already over 600,000 if you were to put that money under investment with us. We don't wanna sort of have you getting charged over with the the two accounts because with the split, if you sort of, you know, wants to grow more in that IDPS and you obviously superannuation is already over the 300,000, you would be getting charged more as a result of that. Now the the potential downside is that if there was a significant market dip with that flat fee for the twelve months, you might get charged more. But given your superannuation sort of up around that sort of $3.60, 70 mark depending on what the market's doing at the moment, It'd have to drop quite significantly before that sort of negatively impacts you, if that makes sense as well.\n\nChannel 1: Yep.\n\nChannel 0: Now we did sort of just do a general cash rate in regards to, like, a three year rolling average there and then the the LA growth that we're sort of recommending you in that fund. Now with the investment cost, it obviously costs more than just holding it in cash. The administration fees, it hasn't done the full calculation as to the the pool balances there. So once they are pulled and under the same sort of platform there, it'll likely be less than that. We can sort of get the calculations done to show you what that might look like in terms of overall administration fees across the two funds once we sort of get the the balances there.\n\nAnd then with the adviser fee, as I said, it would be a flat fee just to ensure that you're not getting charged overly, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And I'll just see what yeah. The on the on the page 31, once we get to it, it does highlight the fixed fee and what that'll be across two accounts, and then your ongoing there for the the insurances just as a a reminder of how much you would be paying. Now in regards to that hump 24, we're just recommending retain everything likely unchanged. Now, obviously, as a result of that pendulum and what did occur, I know we didn't talk about it too much in terms of changing superannuation investments because of how it was performing, and you're still pretty happy with the returns.\n\nBut just for the long term, we're just thinking, you know, proactively to try and get rid of that now. You are sort of crystallizing a few of those losses that will go towards, you know, offsetting some future capital gains, which is not a bad thing. But with that, they just don't have the faith that it will be able to return from what it's gone down in a timely manner to where it's not sort of hindering your growth a little bit there as well, if that makes sense. Yeah. It's like the difference between, like because, obviously, if something dips, you never sort of wanna sell low, buy high.\n\nChannel 1: No.\n\nChannel 0: But if you don't have conviction in the investment being able to return or perform, you know, over the long term, you're sort of better off taking a little bit of a loss there and going into an investment that is gonna get you that return because, you know, even if you you've already made the the loss in the sense that if it doesn't come back, you still sit at that level, whereas you take the loss offset some capital gains down the track because you are still holding the one fund, then, you know, you can be an investment that is making a more solid return. And then that way, you know, you have a better chance of recouping those losses in a different investment rather than sort of riding out much like the the hack that you currently hold with what did sort of go down there. And then what we're recommending, obviously, it's taken a dip, but they have conviction in that long term that it will recover. So that's why they're looking at holding that investment versus, like, the Benelon, which they're looking at getting rid of. That makes sense.\n\nChannel 1: Yep. So you guys just adjust to suit whatever's going on anyway, don't you? I don't have to come and tell you that, oh, no. That one's not looking good. That\n\nChannel 0: So\n\nChannel 1: was the understanding. Is that right? Or\n\nChannel 0: that's what we're we're changing now. So I can't just\n\nChannel 1: yep.\n\nChannel 0: go in and change your underlying investments. We do have to provide a document. If things were, like, very sort of serious, you know, like COVID where they have sort of changed things to cash and just done, like, company wide changes, then they sort of sometimes do that. But to be proper and follow, like, you know, the law and letter to the law, we do have to that's why we do those annual reviews that each sort of\n\nChannel 1: Yep.\n\nChannel 0: year, we double check, see how things are going, whole conversation, look at doing those sort of changes. And then, obviously, that occurred sort of the end of last year there with that investment. So as we sort of come across that because it's only 10% or, like, 8.7 at the moment in your portfolio. It's not a significant driver in, like, your growth if it did have a bad year. But in saying that, we're just sort of looking at changing that out now before it sort of goes worse or it just sort of stagnates for another twelve months.\n\nIf you did sort of do, like, the regularly three months and things like that, we do sort of track it a little bit more, have more conversations with you. But as a minimum, we do the 12 monthly. And if we were to change any underlying investments, we do have to provide a statement of advice piece like this just to illustrate any product changes that we are doing to your portfolio.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. There is, under OQ, a separately managed account, which does sort of allow for them to change the underlying investments, but you get less sort of say in what goes into your portfolio and what doesn't because it's up to the managers of that strategically managed account, what they have in it and what they don't, and you just sort of pull your funds with anyone that is in that strategically managed account. And then they'd sort of regularly update or review that every quarter, and then that changes for everyone in those funds versus, like, your your investments are individual to sorta you even though there are a few portfolios in on their approved product list. If you sorta go, hey. I wanna put, you know, some sort of Tesla or things like that in my portfolios.\n\nYou have the freedom to do that as opposed to those separately managed accounts where what's in those is purely from the investment committees. They won't change those per year wishes versus, you know, having a fund like this where you do have a little bit more say in what goes in and what doesn't and sort of changes. Like you said, you can go on the the platform and have a little bit of a look at it. If you see something that you're not too fussed about, you don't like it, even if you looked at this report on what we're recommending in terms of it, if you look at that and go, hey. I actually don't want that investment in our portfolio.\n\nYou have the freedom to be able to, you know, have a conversation without change those investments. Obviously, you know, the portfolios are approved by the investment committee here, so that's a part of, like, the recommendations and the recommendations we make under Oakview. But with that, you do have a little bit of a say if you do want sort of specific sort of shares if they're available or certain holdings should you not want them.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Perfect. In terms of the your current superannuation balance, it just shows you based on the the changes what that might look like. So with the investment change, they're moving that then along to that more passive Australian 200, the the beta shares. It will actually save your investment costs ongoing. And then with that, because of the performance of that Benelong there, it does improve in performance slightly as well.\n\nNow the main thing with that one, you know, you see, performance is the one thing that's never guaranteed, which is, you know, the probably crap thing about receiving financial advice is nothing sort of guaranteed with the markets, especially what's going on. But with that one at least, you'll have the guaranteed savings that you'll be saving $372 a year and then hopefully get that bit of better performance as well for you.\n\nChannel 1: Okay.\n\nChannel 0: Perfect. As part of that, obviously, you can go into the advantages and disadvantages a little bit more than that. Obviously, at the moment, the main sort of risks associated with the investments at the moment is, you know, when you're buying and selling at the moment with it is so volatile, you do sort of get, you know, those those dips and highs that when you're sort of out of the market, you may miss, like, potential growth upside peaks. With that, if it was to go down in that time, you do get the benefit of buying it at a lower cost. Same with in regards to putting that money into an investment now.\n\nObviously, the markets are a little bit more volatile. They have taken a little bit of a a dive, and then there's some peaks in there along the way as well. But if you're happy to ride out the volatility for at least over the next sort of six or so months where, you know, the the wall may continue and prices may soar in regards to certain things, they might sort of dip in regards to how things are progressing with their growth over that time frame. But if you're sort of happy investing, you know, that longer term sort of eight to to ten year mark with this investment, it shouldn't affect you too much in the long term in terms of, like, how the world reacts to wars. Funnily enough, although it does cause, like, short term volatility, it's not much like COVID where the effects are felt, like, as long term as those COVID type events.\n\nYou do see that, you know, wars, Middle East, things like that, they do cause those blips on the the investment radar and what terms of, like, what does occur. But over the long term, the markets tend to recover quite quickly in terms of, like, the the returns and how they sort of return. Much like with Trump and his tariff talk at the start of the year, you saw how much they affected the markets in terms of, like, how much it did drop. But, you know, three months later, it's back and above where that dip did occur, and it's still on the the rise, if that makes sense.\n\nChannel 1: Yep. It does. Yes. I was watching that. Hasn't gold gone up a lot just recently too because of the war or\n\nChannel 0: Yeah. As as I said, sort of when\n\nChannel 1: or\n\nChannel 0: it\n\nChannel 1: at\n\nChannel 0: is\n\nChannel 1: the\n\nChannel 0: sort\n\nChannel 1: same\n\nChannel 0: of negatively\n\nChannel 1: time?\n\nChannel 0: correlated in terms of, like, what does occur,\n\nChannel 1: Yep.\n\nChannel 0: people tend to to go back to those harder currencies during that time frame. I do believe gold, because it was a bit of an all time high, there was a few sort of dips along the way there as well. But as a whole, it has sorta, you know, as a result of that, gone up a little bit in terms of that. I wouldn't say it's, like, skyrocketed much like it has over the past few years. But with that, it sort of I believe towards the end of last year, because it fell from its peak, it sort of took a bit of a dive, and then it's sort of trickling back up given what's happened over the start of the year there as well.\n\nBut not to the extent that it did towards, you know, back back end of sort of 2024, 2025, where it did take a real big jump up in terms of, like, the price and what it was.\n\nChannel 1: Yeah.\n\nChannel 0: But, yeah, in saying that you will hold that as a portion of your your investment as well, which does help.\n\nChannel 1: Yeah. All I know is my dad's selling all of his right now. Oh, he's retired and he's in his seventies and he's went bugger. Good enough to sell now.\n\nChannel 0: Yeah. The problem is too is, like, when you are looking to retirement, that's when it sort of affects your portfolios more. I'd be a little bit more hesitant sort of if you were, like, you know, 58 and putting this as a portion of your retirement savings that you were saying to look to draw down on as well just because of the fact of where the markets are at the moment. But given, you know, you've still got plenty of sort of working life behind you, obviously, you wanna sort of look at potentially, you know, early retirement. The good thing about having a business is sometimes you can step away and still have those in income that is coming in whether or not it's the same, but, you know, having employees that can still do some of the work for you and sort of doing transition to retirement, things like that as well.\n\nSo you do have a little bit more flexibility in that sense. Your portfolio as a whole, because it is a bit more defensive with that balance growth within your superannuation, has been traveling quite well as opposed to, you know, some other other higher growth because they do have those more exposure to growth assets, which funnily enough is sort of, you know, those more defensive portfolios tend to do better when those sort of events do occur. So over twelve month period, your superannuation's at, like, 11.9%, which is up there in par with sort of high growth portfolios. With the with the changes there as well, with that a 200, it removes the underlying investment that isn't performing over the next sort of twelve months. And, hopefully, you do see a little bit more growth with that now being out of it.\n\nWith the one being in the growth with that individual investment that we are recommending, like I said, you probably likely see a lot more volatility in that than you do in your superannuation. It's just important that, you know, you do hold through those sort of fluctuations if you are planning on investing for that longer term period.\n\nChannel 1: Yep. I have to West Helena.\n\nChannel 0: Yeah. It's yeah. You just gotta be mindful to to not sort of panic sell and things like that. Obviously, we do make adjustments if things sort of were continuing on. With that, you can call up at any time.\n\nIf you did have concerns, can talk about it and have conversations around it. And at any point, you can be like, I do wanna look at sort of transitioning out and things like that as well, and we can try and build some strategies around the best way to do that possible as well.\n\nChannel 1: Yeah. I'm not wanting to panic too much.\n\nChannel 0: Yeah. And you've got yourself in a good position that, you know, with the the house a 100% offset, you know, a decent balance in your your superannuation plus a nice income from your business there that realistically you can afford to, you know, be able to to hold through those investments where you're likely not to need that in the event that something did go go wrong because with that considerable savings as well.\n\nChannel 1: Yeah.\n\nChannel 0: But do you have any questions in regards to that, Michael, with the the investment recommendation or the the superannuation update there?\n\nChannel 1: Not really. No.\n\nChannel 0: It is\n\nChannel 1: I locked a yeah. I locked the idea of moving what do you call it? Panel on? Yep. Get\n\nChannel 0: yeah.\n\nChannel 1: rid\n\nChannel 0: Getting\n\nChannel 1: of it.\n\nChannel 0: rid of\n\nChannel 1: Yep.\n\nChannel 0: it. Yeah. Yeah. Like I said, selling low, buying high is a bit of the cardinal sin, but when they sort of do the metrics and have a look at it long term, they just don't have as much conviction in it. So they're just looking at changing it now and just using it to\n\nChannel 1: Yep.\n\nChannel 0: offset some some losses some gains moving forward with those those losses. But these only temps in your portfolio, so it's not like it's, you know, taking a a huge chunk out of it, which is which is nice at least, which is how you want those sort of active investments to work. That when they're doing good, you get nice, but a little growth extra and outperform the market a tiny bit potentially. Whereas, you know, when they do take a bit of a dive, it's not too fantastic. And Ben along over the past couple years haven't been doing the best in terms of, like, what their sort of goal was in terms of returns.\n\nSo with that and what did occur, they just, yeah, wanna move away from it. In regards to that investment hybrid there as well, as I said, we'd be looking to change that in the future. With that one, though, we can sort of keep it because it is sort of available\n\nChannel 1: Yep.\n\nChannel 0: for the the next few years there at least as well. And then we'll probably look at changing that for an alternative, whether that's through, like, a a recommendation or just an ROA to the record of advice to change that to an alternative product that matches up with what it's currently in just because purely the fact that they they won't be available after 2032.\n\nChannel 1: Yep.\n\nChannel 0: No problem. Obviously, have a chance to have a read through that, you know, do a bit of your own research. The appendix there does have links to all the investments that are recommended just to be able to have a look through that, see how you feel about it, and then sort of go right with the the risks. Obviously, you know, we did consider those few alternatives, so feel free to you don't have a think, see how you feel about that. Obviously, being on the one platform, as I said, you do get the benefits of it all being in, you know, one stop shop, all your reporting, things like that, in addition to the fact that you do save on administration costs as well.\n\nSo likely that the fees charged for admin moving forward will be less than what's outlined. In regards to the adviser fee, as I said, they are looking at doing that fixed fee. So in terms of what does come out because of the funds under management at that cap, so it'll be 4,950 for for each fund for managing of that fee.\n\nChannel 1: Yep.\n\nChannel 0: Until such time that they change the fee structure, it will stay at that fixed fee amount as long as you sort of balance, you know, stays above that 600,000. If you were to withdraw a large chunk of your sort of individual investment there moving forward. The next sort of interview, they'll they'll adjust the fee to make sure that you aren't sort of getting charged as much if you were to follow that 600,000. And then because we do receive an ongoing for your MLC insurances, we'll just disclose that fee there as well. It's not an additional cost to you.\n\nIt's just what MLC provide us for monitoring and maintaining that policy. We just outline it because it is a remuneration that we do get from that premium that you do pay. Does that make sense?\n\nChannel 1: Yep. What's the amount of say, insurance cover?\n\nChannel 0: Yep. I'll just bring up the the exact amount that the the last time. Bear with me.\n\nChannel 1: Because when I'm looking at some of the insurance on there, I think I've got doubled up. So I'm gonna have to close some other ones.\n\nChannel 0: Have you\n\nChannel 1: But\n\nChannel 0: got\n\nChannel 1: not\n\nChannel 0: other\n\nChannel 1: not not\n\nChannel 0: insurances\n\nChannel 1: with you guys.\n\nChannel 0: there as\n\nChannel 1: Yeah.\n\nChannel 0: well?\n\nChannel 1: Yeah. I don't think I've ever closed ones I've had prior. So\n\nChannel 0: Okay.\n\nChannel 1: I'm obviously paying, you know, more than I need to do.\n\nChannel 0: Yeah. Because it's because, obviously, we haven't spoken before. I'd sort of did your your last review there, and I wasn't aware that you still had external insurances with that one. So I'm just trying to find his certificate of currency without having to to log in. Looks like I'm gonna have to log in quickly.\n\nSo what cover do you hold? Like, do you have certain business covers or,\n\nChannel 1: No.\n\nChannel 0: like,\n\nChannel 1: It's\n\nChannel 0: actual\n\nChannel 1: just personal.\n\nChannel 0: personal? Would you mind, like, sending through those certificates of currency for me so I can have a look at those and what cover you do have?\n\nChannel 1: Yeah. I have to find them because they're direct debit out of my account.\n\nChannel 0: Okay.\n\nChannel 1: And there's\n\nChannel 0: Yep.\n\nChannel 1: a a few of them. I was just tracking it the other week. What the hell? Have I still got that?\n\nChannel 0: Let me just double check. So I'm just waiting for it to load up. Sorry.\n\nChannel 1: Yeah. I've got one in the post the other day, see. I've had a tell me to do this more to do list.\n\nChannel 0: So I'm just bringing up your policy, so I'm not just making up figures. So MLC did become a sender, and you do have the life cover for five hundred and twenty five thousand and total permanent disability for the the the same amount there of five hundred and twenty five thousand as well.\n\nChannel 1: Yep. I was saying it somewhere. I only I know where I\n\nChannel 0: Yeah. I believe they do like, at the top\n\nChannel 1: saying\n\nChannel 0: there list what insurances you do hold on that same advice. I was just making sure that it\n\nChannel 1: it.\n\nChannel 0: was correct, like, and when it comes to your current situation under your details there.\n\nChannel 1: Yeah. I'll just notice when I was scrolling through.\n\nChannel 0: Yeah. So on On page nine there, you'll see\n\nChannel 1: Yep.\n\nChannel 0: that MLC,\n\nChannel 1: That's it.\n\nChannel 0: yeah, cover that you do have there as well, and those figures are accurate from what I'm looking\n\nChannel 1: I\n\nChannel 0: at\n\nChannel 1: call.\n\nChannel 0: there.\n\nChannel 1: My dog's being annoying. He doesn't like me talking on the phone.\n\nChannel 0: Okay. Too much attention away from him.\n\nChannel 1: Yeah.\n\nChannel 0: And so you've got policy that is in that MLC or like a sender, maybe named different when you get sort of reviews in the mail. You have a direct debit that pays\n\nChannel 1: Is that straight to MLC, direct debit from my personal account, or is that through paid through the super?\n\nChannel 0: Yeah. I believe that one's through super rollover for that\n\nChannel 1: Yeah.\n\nChannel 0: one. So\n\nChannel 1: I might have two of those. Oh, I've got a lot\n\nChannel 0: oh,\n\nChannel 1: cover with t a l.\n\nChannel 0: Oh, you've got a towel policy as well.\n\nChannel 1: Yeah. Personal one. Yeah. I'll have to get a look at that.\n\nChannel 0: Yeah. Can you send through that detail as well? That's the ticket of currency if you can get a copy of that one, and we'll have a a look at that and see what you're covered for. And then we'll review your insurances as part of that because, obviously, I was only aware of that MLC one that you did have there.\n\nChannel 1: No. I didn't realize, yeah, as I was going through the bank thinking what the what is all that. Because I thought\n\nChannel 0: So don't\n\nChannel 1: I did close them, but, obviously, I didn't. Yeah.\n\nChannel 0: yeah. I'll I'll have a look at once you sort of send that through what your original advice was and if that was to to cancel or not if they were aware of that one or if it was a separate\n\nChannel 1: Yeah.\n\nChannel 0: one.\n\nChannel 1: They I remember we when I initially set up, we spoke about it and, yeah, get rid of some and and hate rather than doubling up.\n\nChannel 0: Okay. Yep.\n\nChannel 1: K.\n\nChannel 0: I'm\n\nChannel 1: That\n\nChannel 0: just\n\nChannel 1: was a\n\nChannel 0: gonna\n\nChannel 1: while\n\nChannel 0: have a\n\nChannel 1: ago.\n\nChannel 0: yeah. Because depending on Lifecom, I'm not too sure what did occur. Like, they'll either, like, write you a letter to the sign and send off to be able to cancel those, or if you'd happy canceling himself, they just leave it with you. Obviously, they should probably check up in regards to that, your next interview, if you do have them or not.\n\nChannel 1: Yes.\n\nChannel 0: But I'm just having a look through that statement of advice. I'm just having can't see any mention of a a towel policy.\n\nChannel 1: No. I think it changed Grant because it was through, like, Saint\n\nChannel 0: Because\n\nChannel 1: George.\n\nChannel 0: MLC became like a sender. And if you had oh, yeah. St. George, there's sometimes the underwriter. Like, people will take over policies,\n\nChannel 1: Yeah. Yep.\n\nChannel 0: and that might have been taken on the old St. George policies that they no longer offer, and they sort of been grandfathered.\n\nChannel 1: It says what it does say on here is your home loan protection renewal summary for life cover,\n\nChannel 0: Oh, okay. So it\n\nChannel 1: but\n\nChannel 0: might\n\nChannel 1: the\n\nChannel 0: be\n\nChannel 1: product\n\nChannel 0: more of\n\nChannel 1: name\n\nChannel 0: like a\n\nChannel 1: is\n\nChannel 0: home loan.\n\nChannel 1: life life cover.\n\nChannel 0: Yeah. Okay. So it might just be, like, attached to your home loan and the what's remaining on the home loan in terms of, like, if you were to pass, it would like, a mortgage type cover, it would cover the remainder of your mortgage. I have seen a few of those previously, but if you don't mind sending that through, Michael, we'll have a look at it and just confirm what type of policy it actually is and then have a conversation with you, see if you do wanna hold it or not.\n\nChannel 1: Yep. Yep. So I don't\n\nChannel 0: No\n\nChannel 1: have a well, I do have a home loan, but\n\nChannel 0: problem.\n\nChannel 1: I don't have any money owing on it.\n\nChannel 0: Yeah. So it might sort of be null and void in the sense that, like, you're only covering for money that, like, you could essentially just pay off anyway should anything do go wrong. Plus you do have the life cover with MLC or a sender depending on the name that you see. They have obviously changed that as well. Yeah.\n\nDo you have the info at OQ Financial or just my personal\n\nChannel 1: Yeah. I've got the email you just\n\nChannel 0: email\n\nChannel 1: sent\n\nChannel 0: there?\n\nChannel 1: me.\n\nChannel 0: Probably don't reply to that one just because it's linked to that Odoo. I don't know how that sort\n\nChannel 1: Yeah.\n\nChannel 0: of returns.\n\nChannel 1: Okay.\n\nChannel 0: So if you just respond to, like, a info@oqfinancial.com.au, or you can send it to my personal, which is kyle, khyl,@OakviewFinancial.com.au.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Once it sort of comes through, we'll have a a look through that and just to see if it's what type, as I said, policy it is, if it's worth keeping or not, you might sort of, yeah, just look at removing it. But with that, if you do want us to review everything entirely, we can do that, provide another advice piece. Otherwise, we can give you some general information and do sort of just a general information. You can make a decision off that depending on how long you wanna wait for another advice document, if that makes sense as well.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. But\n\nChannel 1: Alright.\n\nChannel 0: do you have any other questions in regards to the advice piece at all today, Michael?\n\nChannel 1: Alright. Hello. Hello. It's good to me.\n\nChannel 0: Perfect. Have a chance to read through it, see if you're happy with everything. There is the fixed fee arrangement for your superannuation. Once you were to be, like, happy with that or not, because they do require, like, bank details and how you would deposit it, they'll just contact you once you were to sign that document. They'll organize the actual application for the IDPS, add the bank details, everything like that, get that signed, and get that on the way as well as part of the implementation once you were to sign the document or not.\n\nChannel 1: Yep. I'm pretty sure\n\nChannel 0: Perfect.\n\nChannel 1: where I've got it sitting. I can't transfer out of that. I've gotta put it into a banking spending account and then not transfer from there.\n\nChannel 0: Yeah. So sometimes, like, just to open it, you can just sort of do a certain fee and then be able transfer with the details from that as well. But that'll be able to explain all that and sort of the options\n\nChannel 1: Yep.\n\nChannel 0: you do have in terms of, like, the direct debits and things like that, whether or not you do, like, the full amount upfront or whether or not you sort of, you know, open the account with x amount and then sort of just transfer the rest in at a later date when you've got all the details and everything.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Not a problem. Because, yeah, there's not an upfront fee with that account anyway. So with that, it's just the ongoing, and that'll be charged just like a flat monthly amount, which won't fluctuate with the market. So it'll just be set for getting up to that fee for the twelve month period. But if you don't have any questions for me there, Michael, as I said, have a bit of read through, see if you're happy with it.\n\nOtherwise, I'll let you get back to you in your morning. Thanks for your time today.\n\nChannel 1: Yep. And if I'm all happy, how do I proceed? Just sign it? Or\n\nChannel 0: Yeah. Just click that link, sign the document. Once they get\n\nChannel 1: yep.\n\nChannel 0: that and sort of action that, they'll get in contact with you to arrange that application.\n\nChannel 1: Okay. Cool.\n\nChannel 0: Not a problem at all, Michael. Well, thanks for your time. If you have any questions, shoot us an email, give us a call. And when I see your email come through with that insurance information, I'll give it a look for you there.\n\nChannel 1: Thank you very\n\nChannel 0: Bye.\n\nChannel 1: much.\n\nChannel 0: No problem at all. Enjoy the rest of your day, Michael. Thanks.\n\nChannel 1: You too. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hi.","start":0.96,"end":1.1999999,"sentiment":"neutral","sentiment_score":0.08022834360599518},{"text":"Michael speaking.","start":1.1999999,"end":2.02,"sentiment":"neutral","sentiment_score":0.07680258899927139}],"sentiment":"neutral","sentiment_score":0.07794450720151265,"channel":1,"num_words":3,"start":0.96,"end":2.02},{"sentences":[{"text":"Good morning, Michael.","start":2.24,"end":2.8799999,"sentiment":"positive","sentiment_score":0.4599937895933787},{"text":"It's Carl calling from OQ Financial.","start":2.8799999,"end":4.4,"sentiment":"neutral","sentiment_score":0.27879281838734943},{"text":"How are you today?","start":4.4,"end":5.2999997,"sentiment":"neutral","sentiment_score":0.30688633024692535}],"sentiment":"neutral","sentiment_score":0.3292525846224565,"channel":0,"num_words":13,"start":2.24,"end":5.2999997},{"sentences":[{"text":"I'm good.","start":5.44,"end":6.0,"sentiment":"positive","sentiment_score":0.5064684450626373},{"text":"How are you?","start":6.0,"end":6.74,"sentiment":"neutral","sentiment_score":0.33155306180318195}],"sentiment":"positive","sentiment_score":0.4015192151069641,"channel":1,"num_words":5,"start":5.44,"end":6.74},{"sentences":[{"text":"Yeah.","start":6.72,"end":7.04,"sentiment":"neutral","sentiment_score":0.2797287702560425},{"text":"Not too bad at all.","start":7.04,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.33105272352695464},{"text":"Thanks for asking.","start":7.7599998,"end":8.4,"sentiment":"positive","sentiment_score":0.6841280659039816},{"text":"I've got you scheduled in for your statement advice presentation this morning.","start":8.4,"end":11.04,"sentiment":"positive","sentiment_score":0.40333175410827},{"text":"Is now still a good time for you?","start":11.04,"end":12.585,"sentiment":"positive","sentiment_score":0.34927844256162643}],"sentiment":"positive","sentiment_score":0.40074431639293145,"channel":0,"num_words":29,"start":6.72,"end":12.585},{"sentences":[{"text":"Yep.","start":12.639999,"end":13.095,"sentiment":"neutral","sentiment_score":0.3174648880958557}],"sentiment":"neutral","sentiment_score":0.3174648880958557,"channel":1,"num_words":1,"start":12.639999,"end":13.095},{"sentences":[{"text":"Perfect.","start":14.105,"end":14.505,"sentiment":"positive","sentiment_score":0.5324450731277466},{"text":"Just to jump into that one today, Mark, if I just pass through security with that name, date, and birth, and current address, we can get stuck into it.","start":14.505,"end":20.125,"sentiment":"neutral","sentiment_score":0.2680344756307273}],"sentiment":"neutral","sentiment_score":0.2768481622139613,"channel":0,"num_words":30,"start":14.105,"end":20.125},{"sentences":[{"text":"Yep.","start":21.494999,"end":21.994999,"sentiment":"neutral","sentiment_score":0.039559513330459595},{"text":"Michael or Mark Murphy.","start":22.055,"end":23.915,"sentiment":"neutral","sentiment_score":0.029807270970195532}],"sentiment":"neutral","sentiment_score":0.031757719442248346,"channel":1,"num_words":5,"start":21.494999,"end":23.915},{"sentences":[{"text":"Yep.","start":24.425,"end":24.84,"sentiment":"neutral","sentiment_score":0.021115338429808617}],"sentiment":"neutral","sentiment_score":0.021115338429808617,"channel":0,"num_words":1,"start":24.425,"end":24.84},{"sentences":[{"text":"20 37th 1974, And 6 Augustin Crescent Patriot.","start":25.415,"end":30.26,"sentiment":"neutral","sentiment_score":0.035499746445566416}],"sentiment":"neutral","sentiment_score":0.035499746445566416,"channel":1,"num_words":8,"start":25.415,"end":30.26},{"sentences":[{"text":"Right.","start":30.76,"end":31.08,"sentiment":"neutral","sentiment_score":0.2034584879875183},{"text":"Perfect.","start":31.08,"end":31.56,"sentiment":"positive","sentiment_score":0.40329238772392273},{"text":"And then just to confirm too, Michael, just because there was a little bit of a, you know, back and forth there with you potentially speaking to the mortgage broker with the investment.","start":31.56,"end":39.515,"sentiment":"neutral","sentiment_score":0.059329541117855995},{"text":"And I can just confirm that in regards to your details, nothing's sort of significant changed in the last sort of few months since we last sort of confirmed those.","start":39.515,"end":48.575,"sentiment":"neutral","sentiment_score":-0.02039961746583382}],"sentiment":"neutral","sentiment_score":0.03004057244039499,"channel":0,"num_words":65,"start":30.76,"end":48.575},{"sentences":[{"text":"No.","start":48.735,"end":49.235,"sentiment":"neutral","sentiment_score":-0.11401845514774324}],"sentiment":"neutral","sentiment_score":-0.11401845514774324,"channel":1,"num_words":1,"start":48.735,"end":49.235},{"sentences":[{"text":"Brent occupation, you know, still self employed, still running the business.","start":50.25,"end":53.29,"sentiment":"neutral","sentiment_score":-0.10309780118140308},{"text":"No sort of changes","start":53.29,"end":54.329998,"sentiment":"neutral","sentiment_score":-0.10423226840794086}],"sentiment":"neutral","sentiment_score":-0.10340032577514649,"channel":0,"num_words":15,"start":50.25,"end":54.329998},{"sentences":[{"text":"Yep.","start":53.95,"end":54.45,"sentiment":"neutral","sentiment_score":-0.01417277380824089}],"sentiment":"neutral","sentiment_score":-0.01417277380824089,"channel":1,"num_words":1,"start":53.95,"end":54.45},{"sentences":[{"text":"to dependents or all that sort of good stuff.","start":54.329998,"end":56.329998,"sentiment":"neutral","sentiment_score":0.05348414037790564},{"text":"Perfect.","start":56.329998,"end":56.829998,"sentiment":"positive","sentiment_score":0.3668254613876343},{"text":"Not a problem at all.","start":57.29,"end":58.59,"sentiment":"neutral","sentiment_score":0.219785612821579},{"text":"Now I will be sending this through there to MickMerse74@Gmail.com,","start":58.73,"end":65.435,"sentiment":"neutral","sentiment_score":0.15703657642006874}],"sentiment":"neutral","sentiment_score":0.14069906212389469,"channel":0,"num_words":25,"start":54.329998,"end":65.435},{"sentences":[{"text":"Yep.","start":65.63,"end":65.865,"sentiment":"neutral","sentiment_score":0.15529851615428925}],"sentiment":"neutral","sentiment_score":0.15529851615428925,"channel":1,"num_words":1,"start":65.63,"end":65.865},{"sentences":[{"text":"and then we'll just run through that one quickly.","start":65.895,"end":68.075,"sentiment":"neutral","sentiment_score":0.18591997855239445},{"text":"How much time do you have there this morning, Mark?","start":68.134995,"end":69.895,"sentiment":"neutral","sentiment_score":0.06754269488155842},{"text":"Because I can make it a a little more brief and give you a chance to run through it yourself and come back with any questions, or I can go, like, a little bit more in-depth depending on, you know, how much time you wanna talk to me on the phone this morning.","start":69.895,"end":79.12,"sentiment":"neutral","sentiment_score":0.1381756546643545}],"sentiment":"neutral","sentiment_score":0.13433356184719336,"channel":0,"num_words":72,"start":65.895,"end":79.12},{"sentences":[{"text":"Yeah.","start":80.15,"end":80.270004,"sentiment":"neutral","sentiment_score":0.06172510609030723},{"text":"I've got a little bit of time this morning.","start":80.270004,"end":82.57,"sentiment":"neutral","sentiment_score":0.04413027150763406},{"text":"But,","start":83.03,"end":83.270004,"sentiment":"neutral","sentiment_score":0.1100558340549469}],"sentiment":"neutral","sentiment_score":0.051723034883087333,"channel":1,"num_words":11,"start":80.15,"end":83.270004},{"sentences":[{"text":"Perfect.","start":83.26,"end":83.76,"sentiment":"neutral","sentiment_score":0.2733544409275055}],"sentiment":"neutral","sentiment_score":0.2733544409275055,"channel":0,"num_words":1,"start":83.26,"end":83.76},{"sentences":[{"text":"yeah, I'd like to have a look as well.","start":83.270004,"end":85.05,"sentiment":"neutral","sentiment_score":0.16452590127786001},{"text":"So I'd like to do both.","start":85.35,"end":86.73,"sentiment":"neutral","sentiment_score":0.13405403743187586}],"sentiment":"neutral","sentiment_score":0.15233715573946635,"channel":1,"num_words":15,"start":83.270004,"end":86.73},{"sentences":[{"text":"Great.","start":87.5,"end":88.0,"sentiment":"positive","sentiment_score":0.49709630012512207},{"text":"So that should come through shortly.","start":88.985,"end":90.825,"sentiment":"neutral","sentiment_score":0.3160532961289088},{"text":"Now it's Odoo instead of the DocuSign you probably previously used.","start":90.825,"end":94.505,"sentiment":"neutral","sentiment_score":0.03615015525032173},{"text":"I'm not too sure if you've signed an OdooSign before.","start":94.505,"end":96.845,"sentiment":"neutral","sentiment_score":-0.03225813349708915},{"text":"Similar to DocuSign, it just comes through in an email from Oakview via Odoo.","start":97.065,"end":101.305,"sentiment":"neutral","sentiment_score":0.05149369447359017}],"sentiment":"neutral","sentiment_score":0.07593805172170202,"channel":0,"num_words":42,"start":87.5,"end":101.305},{"sentences":[{"text":"It'll say it came from myself, Kyle Giddings.","start":101.305,"end":103.405,"sentiment":"neutral","sentiment_score":0.020526271808193997},{"text":"Now with that one there, they'll have some attachments.","start":104.0,"end":106.08,"sentiment":"neutral","sentiment_score":0.09879031363460752},{"text":"So that's your supporting documentation as well as your your statement of advice there.","start":106.08,"end":109.76,"sentiment":"neutral","sentiment_score":0.15841897736702645},{"text":"In addition to that, you'll also have there the link to sign the signable document should you be happy with the advice.","start":109.76,"end":116.72,"sentiment":"neutral","sentiment_score":0.2436470098116181},{"text":"But you don't need to click on that link.","start":116.72,"end":118.32,"sentiment":"neutral","sentiment_score":0.0934864663415485}],"sentiment":"neutral","sentiment_score":0.1527871144071762,"channel":0,"num_words":62,"start":101.305,"end":118.32},{"sentences":[{"text":"You can just click on the the statement advice and the the attachments there.","start":118.32,"end":121.515,"sentiment":"neutral","sentiment_score":0.14218510634132794},{"text":"We can run through it together.","start":121.515,"end":122.395,"sentiment":"neutral","sentiment_score":0.23577320079008737},{"text":"You can take as much time to sort of read through it there as well.","start":122.395,"end":125.615,"sentiment":"neutral","sentiment_score":0.23509334524472555},{"text":"Now this one was finalized on the March 2 then, so they're valid for for sixty days from that date.","start":125.835,"end":132.875,"sentiment":"neutral","sentiment_score":0.3193319745361805},{"text":"Obviously, just took a little bit there to to get it booked in from when it was finalized with the the business being a little bit busy.","start":132.875,"end":137.88,"sentiment":"neutral","sentiment_score":0.0010573596314147667}],"sentiment":"neutral","sentiment_score":0.1627660862556318,"channel":0,"num_words":82,"start":118.32,"end":137.88},{"sentences":[{"text":"But in saying that, if you sort of take a little bit longer than that, we can just confirm you a few details, update a few figures, and it should be fine there as well.","start":137.88,"end":144.94,"sentiment":"neutral","sentiment_score":0.23485669153077263},{"text":"But you still got plenty of time to be able to read through that and make a a decision 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there?","start":153.545,"end":154.285,"sentiment":"neutral","sentiment_score":0.09210602194070816},{"text":"Perfect.","start":154.665,"end":155.165,"sentiment":"positive","sentiment_score":0.5004022717475891},{"text":"If you could just open up the","start":155.705,"end":157.10501,"sentiment":"neutral","sentiment_score":0.15304421314171382}],"sentiment":"neutral","sentiment_score":0.1680027117783373,"channel":0,"num_words":11,"start":153.545,"end":157.10501},{"sentences":[{"text":"Now","start":157.19,"end":157.69,"sentiment":"neutral","sentiment_score":0.049007583409547806}],"sentiment":"neutral","sentiment_score":0.049007583409547806,"channel":1,"num_words":1,"start":157.19,"end":157.69},{"sentences":[{"text":"that 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you properly.","start":164.79001,"end":167.61,"sentiment":"neutral","sentiment_score":0.09891333024610173},{"text":"Otherwise,","start":167.99,"end":168.39,"sentiment":"neutral","sentiment_score":-0.00453485082834959}],"sentiment":"neutral","sentiment_score":0.09029264848989745,"channel":1,"num_words":12,"start":164.79001,"end":168.39},{"sentences":[{"text":"Yeah.","start":168.12,"end":168.52,"sentiment":"neutral","sentiment_score":0.00752069428563118}],"sentiment":"neutral","sentiment_score":0.00752069428563118,"channel":0,"num_words":1,"start":168.12,"end":168.52},{"sentences":[{"text":"I'll","start":168.39,"end":168.55,"sentiment":"neutral","sentiment_score":-0.022970130667090416}],"sentiment":"neutral","sentiment_score":-0.022970130667090416,"channel":1,"num_words":1,"start":168.39,"end":168.55},{"sentences":[{"text":"Yeah.","start":168.52,"end":169.02,"sentiment":"neutral","sentiment_score":-0.019368615001440048}],"sentiment":"neutral","sentiment_score":-0.019368615001440048,"channel":0,"num_words":1,"start":168.52,"end":169.02},{"sentences":[{"text":"get","start":168.55,"end":168.825,"sentiment":"neutral","sentiment_score":-0.03470856696367264}],"sentiment":"neutral","sentiment_score":-0.03470856696367264,"channel":1,"num_words":1,"start":168.55,"end":168.825},{"sentences":[{"text":"No.","start":169.95999,"end":170.2,"sentiment":"neutral","sentiment_score":-0.09957609325647354},{"text":"Completely understandable.","start":170.2,"end":171.26,"sentiment":"neutral","sentiment_score":-0.1593366414308548},{"text":"It is a lot of words coming at you as well.","start":171.72,"end":173.48,"sentiment":"neutral","sentiment_score":-0.16582345420664008},{"text":"So, you know, I do recommend sort of after the the phone call","start":173.48,"end":176.215,"sentiment":"neutral","sentiment_score":-0.06519344649635829}],"sentiment":"neutral","sentiment_score":-0.11443785840162525,"channel":0,"num_words":27,"start":169.95999,"end":176.215},{"sentences":[{"text":"distracted.","start":176.185,"end":176.685,"sentiment":"neutral","sentiment_score":-0.06957699358463287}],"sentiment":"neutral","sentiment_score":-0.06957699358463287,"channel":1,"num_words":1,"start":176.185,"end":176.685},{"sentences":[{"text":"digest a little bit, take a bit a bit of time to have a quick look through the document.","start":176.215,"end":179.995,"sentiment":"neutral","sentiment_score":0.04966377859052859},{"text":"It is quite straightforward in the sense that we are just looking at that investment account for you.","start":180.135,"end":185.495,"sentiment":"neutral","sentiment_score":0.17564087154136765},{"text":"And then we're also just looking at making a couple of tweaks to superannuation.","start":185.495,"end":189.355,"sentiment":"neutral","sentiment_score":0.09532126943979945},{"text":"I know we didn't discuss that really in terms of making too many changes, but just as a business decision, they came out with a few adjustments in part like, in terms of some underlying assets, and I'll let you know what those are and what the the changes will be and what that looks like.","start":189.495,"end":205.995,"sentiment":"neutral","sentiment_score":0.12282335977735263},{"text":"Have you got that one up there in front of you there, Michael, now?","start":220.09,"end":222.82999,"sentiment":"neutral","sentiment_score":0.07353805444602456}],"sentiment":"neutral","sentiment_score":0.11030815010659459,"channel":0,"num_words":121,"start":176.215,"end":222.82999},{"sentences":[{"text":"With which one?","start":222.56499,"end":223.625,"sentiment":"neutral","sentiment_score":-0.0032998539584999285}],"sentiment":"neutral","sentiment_score":-0.0032998539584999285,"channel":1,"num_words":3,"start":222.56499,"end":223.625},{"sentences":[{"text":"The the statement advice?","start":224.17,"end":225.39,"sentiment":"neutral","sentiment_score":0.028554816264659166}],"sentiment":"neutral","sentiment_score":0.028554816264659166,"channel":0,"num_words":4,"start":224.17,"end":225.39},{"sentences":[{"text":"Yep.","start":226.885,"end":227.385,"sentiment":"neutral","sentiment_score":0.09035848081111908}],"sentiment":"neutral","sentiment_score":0.09035848081111908,"channel":1,"num_words":1,"start":226.885,"end":227.385},{"sentences":[{"text":"Yep.","start":228.01,"end":228.51,"sentiment":"neutral","sentiment_score":0.1105126291513443},{"text":"So on the the third page there, you do see the the scoping and what's considered in the statement advice.","start":229.04999,"end":234.285,"sentiment":"neutral","sentiment_score":0.09084985293447971},{"text":"So, obviously, consider the personal investment of you wanting to invest that 300,000 in that long term sort of strategy to be able to have that invested in something other than your superannuation, have that invested a little bit more aggressively than your superannuation.","start":234.285,"end":246.8,"sentiment":"neutral","sentiment_score":0.30134695768356323},{"text":"In addition to that one, as I said, we're just looking at updating a few underlying assets in that.","start":247.5,"end":252.62,"sentiment":"neutral","sentiment_score":0.06927202720391124},{"text":"So as a business decision, there's a fund that you hold called Bennelong.","start":252.62,"end":255.52,"sentiment":"neutral","sentiment_score":0.03950459925601116}],"sentiment":"neutral","sentiment_score":0.17542787766103277,"channel":0,"num_words":97,"start":228.01,"end":255.52},{"sentences":[{"text":"Now within regards to that, you don't have the most significant holding of it, but I'm not too sure if I I mentioned to you previously, but they have an underlying asset there called corporate traveler.","start":256.125,"end":266.76498,"sentiment":"neutral","sentiment_score":-0.029834987543937232},{"text":"Now with that one at the end of sort of last year, they were identified as not account like, keeping accounting records correctly.","start":266.76498,"end":273.65,"sentiment":"neutral","sentiment_score":-0.12980699182852454},{"text":"And as a result of that, they were on a trading hold.","start":273.79,"end":275.95,"sentiment":"neutral","sentiment_score":-0.1698318806787332},{"text":"Bennelong had to re sort of value that and with that trading hold.","start":275.95,"end":280.67,"sentiment":"neutral","sentiment_score":-0.1931354563969832},{"text":"And then also people lost a bit of consumer confidence with the Bennelong fund itself for having that underlying investment that's caused that significant dip.","start":280.67,"end":289.055,"sentiment":"negative","sentiment_score":-0.5473439431190491}],"sentiment":"neutral","sentiment_score":-0.20451341690751937,"channel":0,"num_words":109,"start":256.125,"end":289.055},{"sentences":[{"text":"So within regards to that, we are looking at replacing that just because over the long term, the investment key does believe that they will be able to recover and perform consistently to the point where they were previously.","start":289.675,"end":300.83,"sentiment":"neutral","sentiment_score":0.07471992457524324},{"text":"Now as a result of that, you you only have around the 8.6% in Benelong at the moment, so we'd be looking at replacing that with a an index fund that is within the Australian region.","start":301.85,"end":313.095,"sentiment":"neutral","sentiment_score":0.07479416102998787},{"text":"It is a bit cheaper of an investment, and you don't have that actively managed portion to that.","start":313.23502,"end":317.475,"sentiment":"neutral","sentiment_score":0.21047092353304228},{"text":"You'll still have some active management in the ClearBridge rare infrastructure fund that you do have in there currently.","start":317.475,"end":323.91,"sentiment":"neutral","sentiment_score":0.19367968173403488},{"text":"And then we're also looking at replacing just the bank hybrids, and that's purely because of the fact that they are phasing those out as a product, and we're just looking at removing it and replacing it with an alternative in the event that sort of, you know, you did hold them up to the point where you can no longer hold them as an asset, if that makes sense.","start":324.28998,"end":340.565,"sentiment":"neutral","sentiment_score":0.06731609670179231}],"sentiment":"neutral","sentiment_score":0.09773178132516998,"channel":0,"num_words":182,"start":289.675,"end":340.565},{"sentences":[{"text":"Yeah.","start":341.16,"end":341.32,"sentiment":"neutral","sentiment_score":0.02139200270175934},{"text":"Is that in my super, or is this we're","start":341.32,"end":343.935,"sentiment":"neutral","sentiment_score":0.027202666737139225}],"sentiment":"neutral","sentiment_score":0.026621600333601236,"channel":1,"num_words":10,"start":341.16,"end":343.935},{"sentences":[{"text":"That's","start":343.745,"end":343.98502,"sentiment":"neutral","sentiment_score":0.29973673820495605}],"sentiment":"neutral","sentiment_score":0.29973673820495605,"channel":0,"num_words":1,"start":343.745,"end":343.98502},{"sentences":[{"text":"moving","start":343.935,"end":344.255,"sentiment":"neutral","sentiment_score":0.2852610945701599}],"sentiment":"neutral","sentiment_score":0.2852610945701599,"channel":1,"num_words":1,"start":343.935,"end":344.255},{"sentences":[{"text":"in your","start":343.98502,"end":344.385,"sentiment":"positive","sentiment_score":0.3951651602983475}],"sentiment":"positive","sentiment_score":0.3951651602983475,"channel":0,"num_words":2,"start":343.98502,"end":344.385},{"sentences":[{"text":"forward.","start":344.255,"end":344.755,"sentiment":"positive","sentiment_score":0.3399159610271454}],"sentiment":"positive","sentiment_score":0.3399159610271454,"channel":1,"num_words":1,"start":344.255,"end":344.755},{"sentences":[{"text":"super","start":344.385,"end":344.625,"sentiment":"positive","sentiment_score":0.410969078540802}],"sentiment":"positive","sentiment_score":0.410969078540802,"channel":0,"num_words":1,"start":344.385,"end":344.625},{"sentences":[{"text":"Yep.","start":344.975,"end":345.475,"sentiment":"positive","sentiment_score":0.33820268511772156}],"sentiment":"positive","sentiment_score":0.33820268511772156,"channel":1,"num_words":1,"start":344.975,"end":345.475},{"sentences":[{"text":"that yeah.","start":345.025,"end":345.505,"sentiment":"neutral","sentiment_score":0.32145628333091736},{"text":"That's in your your","start":345.505,"end":346.225,"sentiment":"neutral","sentiment_score":0.2785486914217472}],"sentiment":"neutral","sentiment_score":0.29285122205813724,"channel":0,"num_words":6,"start":345.025,"end":346.225},{"sentences":[{"text":"Okay.","start":346.095,"end":346.595,"sentiment":"neutral","sentiment_score":0.206682950258255}],"sentiment":"neutral","sentiment_score":0.206682950258255,"channel":1,"num_words":1,"start":346.095,"end":346.595},{"sentences":[{"text":"superannuation in regards to those underlying investments.","start":346.225,"end":349.21,"sentiment":"neutral","sentiment_score":0.12571649146931513},{"text":"The rest of portfolio has been tracking quite nicely.","start":349.35,"end":351.77,"sentiment":"neutral","sentiment_score":0.2475173357460234},{"text":"So as a result of that, we are not looking at changing that.","start":352.23,"end":354.95,"sentiment":"neutral","sentiment_score":-0.05295277386903763},{"text":"We're just looking at changing in regards to that that Ben along to that BetaShares Australian two hundred.","start":354.95,"end":361.85,"sentiment":"neutral","sentiment_score":0.04375715305407842},{"text":"And then with the the bank hybrids there, we can look at sorta you can hold them up until 2032.","start":363.135,"end":370.115,"sentiment":"neutral","sentiment_score":0.04504652945324779}],"sentiment":"neutral","sentiment_score":0.0613111156080641,"channel":0,"num_words":67,"start":346.225,"end":370.115},{"sentences":[{"text":"So just be mindful of that.","start":370.175,"end":371.535,"sentiment":"neutral","sentiment_score":-0.05671877910693487},{"text":"Like, you hold them until sorta such time that we need to replace them just so you're aware that that's another change that will be coming.","start":371.535,"end":377.715,"sentiment":"neutral","sentiment_score":-0.06487367029946584}],"sentiment":"neutral","sentiment_score":-0.06334462820086628,"channel":0,"num_words":32,"start":370.175,"end":377.715},{"sentences":[{"text":"Okay.","start":378.565,"end":379.065,"sentiment":"neutral","sentiment_score":0.13437530398368835}],"sentiment":"neutral","sentiment_score":0.13437530398368835,"channel":1,"num_words":1,"start":378.565,"end":379.065},{"sentences":[{"text":"Yep.","start":379.52002,"end":379.84,"sentiment":"neutral","sentiment_score":0.26364707946777344},{"text":"Perfect.","start":379.84,"end":380.34,"sentiment":"positive","sentiment_score":0.48415160179138184},{"text":"Now as far as the the same advice itself is quite simple in the sense that we're recommending that you establish a personal investment account with the Hub 24 platform where you hold your superannuation at the moment.","start":381.2,"end":393.015,"sentiment":"neutral","sentiment_score":0.26784290922315496},{"text":"Now one of the benefits of that is that you do get linked admin fees for your funds under management.","start":393.255,"end":398.535,"sentiment":"positive","sentiment_score":0.5173582687973977},{"text":"So as a result of that, it'll actually lower your overall administration costs for holding the the funds under the one platform.","start":398.535,"end":405.355,"sentiment":"positive","sentiment_score":0.5075076723640616}],"sentiment":"positive","sentiment_score":0.3955873585328823,"channel":0,"num_words":82,"start":379.52002,"end":405.355},{"sentences":[{"text":"On page 70, you will see just your general details.","start":406.68,"end":409.9,"sentiment":"neutral","sentiment_score":0.14582045674324035},{"text":"If you do wanna confirm they are correct and haven't sort of changed, on the page over, you will see those assets and liabilities.","start":410.36002,"end":415.66,"sentiment":"neutral","sentiment_score":0.15196673603107533},{"text":"And then the next page over, you'll be able to see your your current balance within your hub 24 and then also your insurances that you do hold, which we're not looking at changing at the moment, if that makes sense.","start":416.04,"end":425.315,"sentiment":"neutral","sentiment_score":0.04421062967399272}],"sentiment":"neutral","sentiment_score":0.0922405606508255,"channel":0,"num_words":75,"start":406.68,"end":425.315},{"sentences":[{"text":"Yep.","start":426.705,"end":427.205,"sentiment":"neutral","sentiment_score":-0.016182556748390198},{"text":"I'm not gonna look.","start":427.26498,"end":428.065,"sentiment":"neutral","sentiment_score":-0.17159903794527054},{"text":"Yeah.","start":428.065,"end":428.565,"sentiment":"neutral","sentiment_score":-0.1307249665260315}],"sentiment":"neutral","sentiment_score":-0.13888394584258398,"channel":1,"num_words":6,"start":426.705,"end":428.565},{"sentences":[{"text":"Just while you're having a look through those, so your risk profile with superannuation, you still agreed to keep that balanced growth portfolio.","start":431.055,"end":438.52002,"sentiment":"neutral","sentiment_score":-0.01863098427977251},{"text":"You don't wanna look at increasing that you're happy with how that's traveling within a balanced growth profile.","start":438.58002,"end":442.6,"sentiment":"neutral","sentiment_score":0.04299498183859719},{"text":"Within regards to the IDPS investment, you did state that you wanted to have a little bit more exposure, even sort of generally we do it the other way around having a little bit more in suit because you can't touch it and a little less in, like, your IDPS accounts because you can draw down on them.","start":443.30002,"end":457.11502,"sentiment":"neutral","sentiment_score":0.021170076055066853},{"text":"But you wanted to bump it up just to that growth, which is around that eighty twenty split, if you remember that conversation.","start":457.17502,"end":461.83502,"sentiment":"neutral","sentiment_score":0.17336374618436978}],"sentiment":"neutral","sentiment_score":0.04557891482044561,"channel":0,"num_words":122,"start":431.055,"end":461.83502},{"sentences":[{"text":"Yeah.","start":463.15,"end":463.39,"sentiment":"neutral","sentiment_score":0.1598404347896576},{"text":"Connor, just waiting a couple","start":463.39,"end":464.99,"sentiment":"neutral","sentiment_score":0.141098690032959}],"sentiment":"neutral","sentiment_score":0.1442223141590754,"channel":1,"num_words":6,"start":463.15,"end":464.99},{"sentences":[{"text":"Yep.","start":464.91,"end":465.41,"sentiment":"neutral","sentiment_score":0.11639289557933807}],"sentiment":"neutral","sentiment_score":0.11639289557933807,"channel":0,"num_words":1,"start":464.91,"end":465.41},{"sentences":[{"text":"of weeks now.","start":464.99,"end":465.825,"sentiment":"neutral","sentiment_score":0.10785115758577983}],"sentiment":"neutral","sentiment_score":0.10785115758577983,"channel":1,"num_words":3,"start":464.99,"end":465.825},{"sentences":[{"text":"Yeah.","start":466.43,"end":466.75,"sentiment":"neutral","sentiment_score":0.17833848297595978},{"text":"Yeah.","start":466.75,"end":467.15,"sentiment":"neutral","sentiment_score":0.20393714308738708},{"text":"So within regards to your your balance growth, there can be sort of anywhere between 60 to 70% growth assets, whereas the the the growth fund is about the eighty twenty sort of split around those sort of marks.","start":467.15,"end":481.005,"sentiment":"neutral","sentiment_score":0.11543956437172034},{"text":"Now","start":481.785,"end":482.265,"sentiment":"neutral","sentiment_score":0.18620894849300385}],"sentiment":"neutral","sentiment_score":0.12072922821555819,"channel":0,"num_words":42,"start":466.43,"end":482.265},{"sentences":[{"text":"Okay.","start":482.0,"end":482.5,"sentiment":"neutral","sentiment_score":0.18740177154541016}],"sentiment":"neutral","sentiment_score":0.18740177154541016,"channel":1,"num_words":1,"start":482.0,"end":482.5},{"sentences":[{"text":"in regards to the recommendation for the the personal investment, as I said, we're recommending you do it on hub twenty four for the benefits of the aggregate trading, having it all under the one sort of place.","start":482.265,"end":493.04,"sentiment":"neutral","sentiment_score":0.32340815977046367},{"text":"You don't have to have two separate accounts in regards to that.","start":493.04,"end":495.91998,"sentiment":"neutral","sentiment_score":0.1968736151854197},{"text":"You'll be able to view it under your sort of one portal with the the linked account there.","start":495.91998,"end":500.5,"sentiment":"positive","sentiment_score":0.3469831951790386},{"text":"You're a bit more familiar with Hub twenty four as well, and you get the benefit of those reduced fee costs.","start":500.63998,"end":505.035,"sentiment":"positive","sentiment_score":0.4897693849745251},{"text":"Now in regards to why it's been your best interest there, we determine that Hub twenty four would be the most appropriate based on the the potential for the capital growth with the portfolios that we can build on that in conjunction with holding it with your your superannuation there as well.","start":505.435,"end":519.295,"sentiment":"neutral","sentiment_score":0.32978311295692736}],"sentiment":"positive","sentiment_score":0.3427770916663163,"channel":0,"num_words":141,"start":482.265,"end":519.295},{"sentences":[{"text":"Much like your superannuation, we review it as a minimum every twelve months.","start":519.89,"end":523.09,"sentiment":"neutral","sentiment_score":0.1459047977740948},{"text":"You can have more regular reviews as well.","start":523.09,"end":525.27,"sentiment":"neutral","sentiment_score":0.14788113348186016},{"text":"Having a growth portfolio, you're sort of looking at that sort of seven to eight year time frame of holding it to try and get those average returns with the fluctuations in the market.","start":526.29,"end":533.535,"sentiment":"neutral","sentiment_score":0.14121732773149714},{"text":"Now I'm sure you're aware of, like, what's happening currently with the, you know, the wars in Iran and everything like that.","start":533.69495,"end":538.495,"sentiment":"neutral","sentiment_score":-0.22230252267962153},{"text":"The markets are a little bit volatile at the moment.","start":538.495,"end":540.995,"sentiment":"negative","sentiment_score":-0.36843565106391907}],"sentiment":"neutral","sentiment_score":-0.007974843997722384,"channel":0,"num_words":87,"start":519.89,"end":540.995},{"sentences":[{"text":"Yeah.","start":541.07,"end":541.31,"sentiment":"neutral","sentiment_score":-0.11901085078716278},{"text":"Well,","start":541.31,"end":541.55,"sentiment":"neutral","sentiment_score":-0.10842613875865936}],"sentiment":"neutral","sentiment_score":-0.11371849477291107,"channel":1,"num_words":2,"start":541.07,"end":541.55},{"sentences":[{"text":"So there's","start":541.375,"end":541.77496,"sentiment":"neutral","sentiment_score":-0.10940304026007652}],"sentiment":"neutral","sentiment_score":-0.10940304026007652,"channel":0,"num_words":2,"start":541.375,"end":541.77496},{"sentences":[{"text":"so I 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of six to twelve months within","start":546.67,"end":555.47,"sentiment":"neutral","sentiment_score":-0.12605034336447715}],"sentiment":"neutral","sentiment_score":-0.12237580997809287,"channel":0,"num_words":31,"start":546.02997,"end":555.47},{"sentences":[{"text":"slightly.","start":555.295,"end":555.795,"sentiment":"neutral","sentiment_score":-0.1603371500968933}],"sentiment":"neutral","sentiment_score":-0.1603371500968933,"channel":1,"num_words":1,"start":555.295,"end":555.795},{"sentences":[{"text":"that, but timing the market's better than sort of trying to time the market.","start":555.47,"end":559.14996,"sentiment":"neutral","sentiment_score":-0.14951837328927858},{"text":"You never know when it's","start":559.14996,"end":560.02997,"sentiment":"neutral","sentiment_score":-0.16862133592367173}],"sentiment":"neutral","sentiment_score":-0.15454546871938205,"channel":0,"num_words":19,"start":555.47,"end":560.02997},{"sentences":[{"text":"Yep.","start":559.84,"end":560.34,"sentiment":"neutral","sentiment_score":-0.10664701461791992}],"sentiment":"neutral","sentiment_score":-0.10664701461791992,"channel":1,"num_words":1,"start":559.84,"end":560.34},{"sentences":[{"text":"gonna, like, the war's gonna stop, when it's gonna sort of recover.","start":560.02997,"end":562.745,"sentiment":"neutral","sentiment_score":-0.1608282613257567},{"text":"As long as you're willing to hold it for that sort of allotted time frame, the the time in the market can outweigh just trying to time that market, and the markets themselves have taken a tiny bit of a a dip through the start of the year there.","start":562.885,"end":574.58,"sentiment":"neutral","sentiment_score":-0.113137315654633},{"text":"So even then, if they were to start recovering sort of in the next sort of few months there, you might see the potential upside.","start":574.58,"end":579.54004,"sentiment":"neutral","sentiment_score":0.04502414509654045},{"text":"If the war continues and it creates that little bit more volatility too, you might see a little bit of it down before you start to see an up.","start":579.54004,"end":586.02,"sentiment":"neutral","sentiment_score":-0.3071750232885624},{"text":"But, obviously, investing is that longer term game.","start":586.02,"end":588.895,"sentiment":"neutral","sentiment_score":0.17786938464269042}],"sentiment":"neutral","sentiment_score":-0.11246491523414123,"channel":0,"num_words":123,"start":560.02997,"end":588.895},{"sentences":[{"text":"Yep.","start":589.29,"end":589.79,"sentiment":"neutral","sentiment_score":0.312734991312027}],"sentiment":"neutral","sentiment_score":0.312734991312027,"channel":1,"num_words":1,"start":589.29,"end":589.79},{"sentences":[{"text":"And with 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the portfolio we are recommending as well, it doesn't have any managed funds at the moment.","start":616.625,"end":623.505,"sentiment":"neutral","sentiment_score":-0.005055039003491402}],"sentiment":"neutral","sentiment_score":0.08180274090170861,"channel":0,"num_words":125,"start":589.435,"end":623.505},{"sentences":[{"text":"So, obviously, it's a bit hard to pick winners with what is occurring at the moment.","start":623.505,"end":626.565,"sentiment":"neutral","sentiment_score":-0.20280926278792322},{"text":"So the investments that we are recommending just is a index type investment.","start":626.70496,"end":631.07,"sentiment":"neutral","sentiment_score":0.19246845749708322},{"text":"So it's like those ETF funds that follows and track those indexes over the world.","start":631.07,"end":637.55,"sentiment":"neutral","sentiment_score":0.191688605149587},{"text":"We do have exposure across Europe, Japan, outside The US, The US itself, and Australia, which gives you a nice broad spectrum there that over the the long term, it should tick along and up nicely even though if it does see some volatility in the first sort of six to twelve months 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because much like with WorkCare with Benelung, they can have those really good years, and then they can also have the years where they perform, you know, that negative 20%, and it can really sort of start to have adverse effects depending on how much holdings you have.","start":661.77,"end":681.33,"sentiment":"neutral","sentiment_score":-0.31599756051976996},{"text":"At the moment, Ben Long isn't it sort of huge holding in your portfolio and within superannuation.","start":681.57,"end":686.23004,"sentiment":"neutral","sentiment_score":-0.27522363557535057},{"text":"But if sort of both your actively managed funds did have a bad year, it would sort of impact the growth within your 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you'll have all the benefits of being ongoing clients still with that and then having it.","start":697.185,"end":703.82495,"sentiment":"positive","sentiment_score":0.4967868975971056},{"text":"You'll have those aggregated fees all in the one platform there.","start":703.82495,"end":707.05,"sentiment":"positive","sentiment_score":0.46360011805187573},{"text":"We could look at changing things that they have the the freedom of adjustments.","start":707.05,"end":710.17,"sentiment":"positive","sentiment_score":0.34129721352032255},{"text":"And should you ever wanna sort of pull it out, you can.","start":710.17,"end":712.51,"sentiment":"neutral","sentiment_score":0.2947026540835698},{"text":"Just be mindful of the fact that within regards to the the interest and the the earnings on those sort of accounts, you do, like, form part of, like, individual tax 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aggregate trading, you get the benefit of having, you know, administration costs that are lowered by having the pooled fees and funds.","start":790.665,"end":799.69,"sentiment":"positive","sentiment_score":0.37577498983591795},{"text":"We just recommended staying on the Hub twenty four platform, if that makes 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eighty twenty, sorry.","start":820.51,"end":821.81,"sentiment":"neutral","sentiment_score":-0.03140013664960861}],"sentiment":"neutral","sentiment_score":-0.03140013664960861,"channel":0,"num_words":4,"start":820.51,"end":821.81},{"sentences":[{"text":"Sorry.","start":822.35004,"end":822.67004,"sentiment":"neutral","sentiment_score":-0.053999193012714386},{"text":"What page?","start":822.67004,"end":823.41003,"sentiment":"neutral","sentiment_score":-0.019916601479053497}],"sentiment":"neutral","sentiment_score":-0.031277465323607125,"channel":1,"num_words":3,"start":822.35004,"end":823.41003},{"sentences":[{"text":"On page 20, you'll see the breakdown of the actual investments you hold.","start":824.67,"end":827.88995,"sentiment":"neutral","sentiment_score":0.03922639099451212}],"sentiment":"neutral","sentiment_score":0.03922639099451212,"channel":0,"num_words":13,"start":824.67,"end":827.88995},{"sentences":[{"text":"Oh, which one am I on 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portfolio.","start":842.045,"end":847.55,"sentiment":"neutral","sentiment_score":0.08916893973946571},{"text":"Now at the moment, it's sort of saying that you sort of run 86% growth.","start":847.61,"end":852.00995,"sentiment":"neutral","sentiment_score":0.16359399557113646},{"text":"That's around 14% defensive, and that's because purely they've considered gold to be a full growth asset in the sense that, you know, the way gold has been performing, it's very capital in nature with what it has been sort of being able to do.","start":852.00995,"end":864.015,"sentiment":"positive","sentiment_score":0.36353603932592604},{"text":"And then with that, they have just considered to be fully growth.","start":864.39496,"end":867.595,"sentiment":"positive","sentiment_score":0.3718496573468049}],"sentiment":"neutral","sentiment_score":0.26118979295145495,"channel":0,"num_words":98,"start":841.805,"end":867.595},{"sentences":[{"text":"Now gold can be considered a bit of alternative where you do get 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ones are the index ones when I'm looking at it?","start":970.705,"end":973.525,"sentiment":"neutral","sentiment_score":0.008815673941915686},{"text":"Is","start":973.745,"end":974.1,"sentiment":"neutral","sentiment_score":-0.0012721763923764229}],"sentiment":"neutral","sentiment_score":0.007975019747391343,"channel":1,"num_words":12,"start":970.705,"end":974.1},{"sentences":[{"text":"So that that entire portfolio, that on that","start":973.885,"end":976.92505,"sentiment":"neutral","sentiment_score":0.01547656231559813}],"sentiment":"neutral","sentiment_score":0.01547656231559813,"channel":0,"num_words":8,"start":973.885,"end":976.92505},{"sentences":[{"text":"yes.","start":976.89996,"end":977.39996,"sentiment":"neutral","sentiment_score":0.03428984805941582}],"sentiment":"neutral","sentiment_score":0.03428984805941582,"channel":1,"num_words":1,"start":976.89996,"end":977.39996},{"sentences":[{"text":"page 20 there, they're all indexed 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asset.","start":987.51996,"end":998.88,"sentiment":"neutral","sentiment_score":0.21210507187578415},{"text":"If they sort of become an under performer and fall out of that top, like, 500, you won't hold it anymore, which is sort of dynamic in the sense that, you know, as companies grow and fall, you know, you're switching those investments dynamically along the way and just tracking those markets, whereas those managed funds aim to, you know, pick a few winning horses that they believe are gonna get that massive sort of growth, and they sort of try and outperform the market and trying to find those companies that have the high potential upsize, whereas you kind of hold the companies that are already sort of stable in those those top sort of brackets, if that makes sense.","start":998.88,"end":1031.705,"sentiment":"neutral","sentiment_score":0.1409834718624176}],"sentiment":"neutral","sentiment_score":0.155637125729519,"channel":0,"num_words":174,"start":984.60504,"end":1031.705},{"sentences":[{"text":"Yep.","start":1031.9199,"end":1032.32,"sentiment":"neutral","sentiment_score":0.17054638266563416},{"text":"So that's my Subaru and","start":1032.32,"end":1034.205,"sentiment":"neutral","sentiment_score":0.13218302577733992}],"sentiment":"neutral","sentiment_score":0.13857691859205565,"channel":1,"num_words":6,"start":1031.9199,"end":1034.205},{"sentences":[{"text":"No.","start":1034.885,"end":1035.045,"sentiment":"neutral","sentiment_score":0.09090662002563477},{"text":"That's the personal investment one on page 20, the","start":1035.045,"end":1037.205,"sentiment":"neutral","sentiment_score":0.14847158723407322}],"sentiment":"neutral","sentiment_score":0.14271509051322936,"channel":0,"num_words":10,"start":1034.885,"end":1037.205},{"sentences":[{"text":"alright.","start":1037.1649,"end":1037.565,"sentiment":"neutral","sentiment_score":0.13940644264221191}],"sentiment":"neutral","sentiment_score":0.13940644264221191,"channel":1,"num_words":1,"start":1037.1649,"end":1037.565},{"sentences":[{"text":"recommendation.","start":1037.205,"end":1037.705,"sentiment":"neutral","sentiment_score":0.17958176136016846}],"sentiment":"neutral","sentiment_score":0.17958176136016846,"channel":0,"num_words":1,"start":1037.205,"end":1037.705},{"sentences":[{"text":"That alright.","start":1037.565,"end":1038.605,"sentiment":"neutral","sentiment_score":0.1652192398905754},{"text":"Yeah.","start":1038.605,"end":1039.005,"sentiment":"neutral","sentiment_score":0.20323863625526428}],"sentiment":"neutral","sentiment_score":0.17789237201213837,"channel":1,"num_words":3,"start":1037.565,"end":1039.005},{"sentences":[{"text":"Yeah.","start":1038.645,"end":1039.145,"sentiment":"neutral","sentiment_score":0.19526761770248413}],"sentiment":"neutral","sentiment_score":0.19526761770248413,"channel":0,"num_words":1,"start":1038.645,"end":1039.145},{"sentences":[{"text":"Yep.","start":1039.005,"end":1039.505,"sentiment":"neutral","sentiment_score":0.18700216710567472}],"sentiment":"neutral","sentiment_score":0.18700216710567472,"channel":1,"num_words":1,"start":1039.005,"end":1039.505},{"sentences":[{"text":"Yep.","start":1039.605,"end":1040.005,"sentiment":"neutral","sentiment_score":0.17339542508125305},{"text":"So with the the fee of, like, the upfront investment cost of that, it's looking around $296,250 that'll be invested, and that's the breakdown of those investments.","start":1040.005,"end":1052.09,"sentiment":"neutral","sentiment_score":0.11016518098336679},{"text":"So your","start":1052.09,"end":1052.5701,"sentiment":"neutral","sentiment_score":0.0729578323662281}],"sentiment":"neutral","sentiment_score":0.10979236587882042,"channel":0,"num_words":30,"start":1039.605,"end":1052.5701},{"sentences":[{"text":"Right.","start":1052.46,"end":1052.94,"sentiment":"neutral","sentiment_score":0.06285057961940765}],"sentiment":"neutral","sentiment_score":0.06285057961940765,"channel":1,"num_words":1,"start":1052.46,"end":1052.94},{"sentences":[{"text":"key holdings","start":1052.5701,"end":1053.29,"sentiment":"neutral","sentiment_score":0.07101618871092796}],"sentiment":"neutral","sentiment_score":0.07101618871092796,"channel":0,"num_words":2,"start":1052.5701,"end":1053.29},{"sentences":[{"text":"Yep.","start":1052.94,"end":1053.44,"sentiment":"neutral","sentiment_score":0.11627143621444702}],"sentiment":"neutral","sentiment_score":0.11627143621444702,"channel":1,"num_words":1,"start":1052.94,"end":1053.44},{"sentences":[{"text":"there will be the iShares of p 500 and the BetaShares Australian two hundred.","start":1053.29,"end":1057.4501,"sentiment":"neutral","sentiment_score":0.08726870454847813},{"text":"The rest of them are sort of split to be more satellite.","start":1057.4501,"end":1060.0651,"sentiment":"neutral","sentiment_score":0.04715045945098003},{"text":"But if they were to sort of not perform within those sort of regions or have a negative year, that your portfolio wouldn't be as negatively affected, whereas, you know, that your banking sort of on Australia and the the American market sort of tracking nicely over the next sort of seven to eight years in growth to be able to sort of get nice sustained income or, like, capital growth out of your investment.","start":1060.125,"end":1080.37,"sentiment":"neutral","sentiment_score":0.19762925883134205}],"sentiment":"neutral","sentiment_score":0.1644530870241694,"channel":0,"num_words":101,"start":1053.29,"end":1080.37},{"sentences":[{"text":"Yep.","start":1082.84,"end":1083.34,"sentiment":"neutral","sentiment_score":0.3324729800224304}],"sentiment":"neutral","sentiment_score":0.3324729800224304,"channel":1,"num_words":1,"start":1082.84,"end":1083.34},{"sentences":[{"text":"Perfect.","start":1084.51,"end":1085.01,"sentiment":"positive","sentiment_score":0.4686342477798462},{"text":"If you scroll down to the page 22 there, you'll see the outline of the sort of ongoing investment costs of that.","start":1085.71,"end":1096.565,"sentiment":"neutral","sentiment_score":0.16007916222919116},{"text":"And with that, what it looks like in terms of the administration fees, investment costs, and then also the other fees and adviser fees that'll be attached to that.","start":1097.985,"end":1107.81,"sentiment":"neutral","sentiment_score":0.08771832725675456},{"text":"Now within regards to that one, I do see that they haven't done the the flat fee for that one.","start":1108.1901,"end":1113.39,"sentiment":"neutral","sentiment_score":0.03447587243281305},{"text":"It was just based on aggregate balance.","start":1113.39,"end":1115.25,"sentiment":"neutral","sentiment_score":0.04415370843240193}],"sentiment":"neutral","sentiment_score":0.09535190778418998,"channel":0,"num_words":79,"start":1084.51,"end":1115.25},{"sentences":[{"text":"So within regards to that one, we're recommending because you've got the two funds under OQN at the moment.","start":1115.55,"end":1121.685,"sentiment":"neutral","sentiment_score":0.19759015817391246},{"text":"There is that cap of 600,000 to just do a flat fee across the two accounts so that because you're already over 600,000 if you were to put that money under investment with us.","start":1121.685,"end":1131.365,"sentiment":"neutral","sentiment_score":0.17871210132451618},{"text":"We don't wanna sort of have you getting charged over with the the two accounts because with the split, if you sort of, you know, wants to grow more in that IDPS and you obviously superannuation is already over the 300,000, you would be getting charged more as a result of that.","start":1131.365,"end":1146.3201,"sentiment":"neutral","sentiment_score":-0.19586858661988607},{"text":"Now the the potential downside is that if there was a significant market dip with that flat fee for the twelve months, you might get charged more.","start":1146.38,"end":1153.4249,"sentiment":"negative","sentiment_score":-0.5353784373512974},{"text":"But given your superannuation sort of up around that sort of $3.60, 70 mark depending on what the market's doing at the moment, It'd have to drop quite significantly before that sort of negatively impacts you, if that makes sense as well.","start":1153.4249,"end":1165.75,"sentiment":"negative","sentiment_score":-0.43032067233607885}],"sentiment":"neutral","sentiment_score":-0.18898521896837087,"channel":0,"num_words":174,"start":1115.55,"end":1165.75},{"sentences":[{"text":"Yep.","start":1165.965,"end":1166.465,"sentiment":"neutral","sentiment_score":0.07045374810695648}],"sentiment":"neutral","sentiment_score":0.07045374810695648,"channel":1,"num_words":1,"start":1165.965,"end":1166.465},{"sentences":[{"text":"Now we did sort of just do a general cash rate in regards to, like, a three year rolling average there and then the the LA growth that we're sort of recommending you in that fund.","start":1167.73,"end":1177.245,"sentiment":"neutral","sentiment_score":0.1694785039871931},{"text":"Now with the investment cost, it obviously costs more than just holding it in cash.","start":1177.4651,"end":1181.0651,"sentiment":"neutral","sentiment_score":-0.05767802745103836},{"text":"The administration fees, it hasn't done the full calculation as to the the pool balances there.","start":1181.0651,"end":1186.285,"sentiment":"neutral","sentiment_score":-0.09948231652379036},{"text":"So once they are pulled and under the same sort of platform there, it'll likely be less than that.","start":1186.745,"end":1192.28,"sentiment":"neutral","sentiment_score":-0.03882163312090071},{"text":"We can sort of get the calculations done to show you what that might look like in terms of overall administration fees across the two funds once we sort of get the the balances there.","start":1192.5,"end":1201.725,"sentiment":"neutral","sentiment_score":0.17662430320467268}],"sentiment":"neutral","sentiment_score":0.07511221694429059,"channel":0,"num_words":121,"start":1167.73,"end":1201.725},{"sentences":[{"text":"And then with the adviser fee, as I said, it would be a flat fee just to ensure that you're not getting charged overly, if that makes sense.","start":1202.285,"end":1211.505,"sentiment":"neutral","sentiment_score":0.15799576622833097}],"sentiment":"neutral","sentiment_score":0.15799576622833097,"channel":0,"num_words":28,"start":1202.285,"end":1211.505},{"sentences":[{"text":"Yep.","start":1212.0249,"end":1212.5249,"sentiment":"neutral","sentiment_score":0.1397935003042221}],"sentiment":"neutral","sentiment_score":0.1397935003042221,"channel":1,"num_words":1,"start":1212.0249,"end":1212.5249},{"sentences":[{"text":"Yep.","start":1213.9,"end":1214.4,"sentiment":"neutral","sentiment_score":0.15112552046775818},{"text":"And I'll just see what yeah.","start":1215.66,"end":1217.34,"sentiment":"neutral","sentiment_score":0.07185561706622441},{"text":"The on the on the page 31, once we get to it, it does highlight the fixed fee and what that'll be across two accounts, and then your ongoing there for the the insurances just as a a reminder of how much you would be paying.","start":1217.34,"end":1229.6951,"sentiment":"neutral","sentiment_score":0.08171996207016965},{"text":"Now in regards to that hump 24, we're just recommending retain everything likely unchanged.","start":1230.2351,"end":1234.3351,"sentiment":"neutral","sentiment_score":0.06674720160663128},{"text":"Now, obviously, as a result of that pendulum and what did occur, I know we didn't talk about it too much in terms of changing superannuation investments because of how it was performing, and you're still pretty happy with the returns.","start":1234.395,"end":1244.59,"sentiment":"neutral","sentiment_score":0.09324924275279045}],"sentiment":"neutral","sentiment_score":0.08425053012453848,"channel":0,"num_words":108,"start":1213.9,"end":1244.59},{"sentences":[{"text":"But just for the long term, we're just thinking, you know, proactively to try and get rid of that now.","start":1244.59,"end":1249.31,"sentiment":"neutral","sentiment_score":-0.1965111095458269},{"text":"You are sort of crystallizing a few of those losses that will go towards, you know, offsetting some future capital gains, which is not a bad thing.","start":1249.31,"end":1256.585,"sentiment":"neutral","sentiment_score":-0.2872571583699297},{"text":"But with that, they just don't have the faith that it will be able to return from what it's gone down in a timely manner to where it's not sort of hindering your growth a little bit there as well, if that makes sense.","start":1256.885,"end":1267.14,"sentiment":"neutral","sentiment_score":-0.1174386136911132},{"text":"Yeah.","start":1270.74,"end":1270.98,"sentiment":"neutral","sentiment_score":-0.023505471646785736},{"text":"It's like the difference between, like because, obviously, if something dips, you never sort of wanna sell low, buy high.","start":1270.98,"end":1276.1,"sentiment":"neutral","sentiment_score":-0.09446590289007872}],"sentiment":"neutral","sentiment_score":-0.16755614284608913,"channel":0,"num_words":112,"start":1244.59,"end":1276.1},{"sentences":[{"text":"No.","start":1276.02,"end":1276.52,"sentiment":"neutral","sentiment_score":-0.10636761784553528}],"sentiment":"neutral","sentiment_score":-0.10636761784553528,"channel":1,"num_words":1,"start":1276.02,"end":1276.52},{"sentences":[{"text":"But if you don't have conviction in the investment being able to return or perform, you know, over the long term, you're sort of better off taking a little bit of a loss there and going into an investment that is gonna get you that return because, you know, even if you you've already made the the loss in the sense that if it doesn't come back, you still sit at that level, whereas you take the loss offset some capital gains down the track because you are still holding the one fund, then, you know, you can be an investment that is making a more solid return.","start":1276.1,"end":1302.99,"sentiment":"neutral","sentiment_score":0.055172276303724004},{"text":"And then that way, you know, you have a better chance of recouping those losses in a different investment rather than sort of riding out much like the the hack that you currently hold with what did sort of go down there.","start":1303.13,"end":1316.085,"sentiment":"neutral","sentiment_score":0.14757018731463523},{"text":"And then what we're recommending, obviously, it's taken a dip, but they have conviction in that long term that it will recover.","start":1316.145,"end":1321.125,"sentiment":"neutral","sentiment_score":0.17033489116213538},{"text":"So that's why they're looking at holding that investment versus, like, the Benelon, which they're looking at getting rid of.","start":1321.4249,"end":1327.32,"sentiment":"neutral","sentiment_score":-0.12045963071286678},{"text":"That makes sense.","start":1327.32,"end":1328.2999,"sentiment":"neutral","sentiment_score":0.1046311433116595}],"sentiment":"neutral","sentiment_score":0.0708134468167256,"channel":0,"num_words":195,"start":1276.1,"end":1328.2999},{"sentences":[{"text":"Yep.","start":1328.4501,"end":1328.9501,"sentiment":"neutral","sentiment_score":0.1358209103345871},{"text":"So you guys just adjust to suit whatever's going on anyway, don't you?","start":1329.17,"end":1333.5701,"sentiment":"neutral","sentiment_score":0.22247957495542672},{"text":"I don't have to come and tell you that, oh, no.","start":1333.5701,"end":1335.5701,"sentiment":"neutral","sentiment_score":-0.1231922297315164},{"text":"That one's not looking good.","start":1335.5701,"end":1337.515,"sentiment":"neutral","sentiment_score":-0.3165854215621948},{"text":"That","start":1337.515,"end":1337.675,"sentiment":"neutral","sentiment_score":-0.07369019836187363}],"sentiment":"neutral","sentiment_score":0.0005265661785679479,"channel":1,"num_words":31,"start":1328.4501,"end":1337.675},{"sentences":[{"text":"So","start":1337.6399,"end":1338.1399,"sentiment":"neutral","sentiment_score":-0.015662837773561478}],"sentiment":"neutral","sentiment_score":-0.015662837773561478,"channel":0,"num_words":1,"start":1337.6399,"end":1338.1399},{"sentences":[{"text":"was the understanding.","start":1337.675,"end":1338.655,"sentiment":"neutral","sentiment_score":-0.03796927134195963},{"text":"Is that right?","start":1338.875,"end":1339.435,"sentiment":"neutral","sentiment_score":0.020588450133800507},{"text":"Or","start":1339.435,"end":1339.935,"sentiment":"neutral","sentiment_score":-0.05154581367969513}],"sentiment":"neutral","sentiment_score":-0.014812611043453217,"channel":1,"num_words":7,"start":1337.675,"end":1339.935},{"sentences":[{"text":"that's what we're we're changing now.","start":1340.5349,"end":1342.215,"sentiment":"neutral","sentiment_score":-0.023089065837363403},{"text":"So I can't just","start":1342.215,"end":1342.9349,"sentiment":"neutral","sentiment_score":-0.10602450184524059}],"sentiment":"neutral","sentiment_score":-0.05626324024051428,"channel":0,"num_words":10,"start":1340.5349,"end":1342.9349},{"sentences":[{"text":"yep.","start":1342.795,"end":1343.295,"sentiment":"neutral","sentiment_score":-0.0973014160990715}],"sentiment":"neutral","sentiment_score":-0.0973014160990715,"channel":1,"num_words":1,"start":1342.795,"end":1343.295},{"sentences":[{"text":"go in and change your underlying investments.","start":1342.9349,"end":1344.455,"sentiment":"neutral","sentiment_score":-0.09298853735838618},{"text":"We do have to provide a document.","start":1344.455,"end":1345.815,"sentiment":"neutral","sentiment_score":-0.019314673330102648},{"text":"If things were, like, very sort of serious, you know, like COVID where they have sort of changed things to cash and just done, like, company wide changes, then they sort of sometimes do that.","start":1345.815,"end":1354.5349,"sentiment":"neutral","sentiment_score":-0.1127849423459598},{"text":"But to be proper and follow, like, you know, the law and letter to the law, we do have to that's why we do those annual reviews that each sort of","start":1354.5349,"end":1361.34,"sentiment":"neutral","sentiment_score":0.14031785798649635}],"sentiment":"neutral","sentiment_score":-0.004796773241832852,"channel":0,"num_words":80,"start":1342.9349,"end":1361.34},{"sentences":[{"text":"Yep.","start":1361.29,"end":1361.565,"sentiment":"neutral","sentiment_score":0.1113891303539276}],"sentiment":"neutral","sentiment_score":0.1113891303539276,"channel":1,"num_words":1,"start":1361.29,"end":1361.565},{"sentences":[{"text":"year, we double check, see how things are going, whole conversation, look at doing those sort of changes.","start":1361.34,"end":1365.98,"sentiment":"neutral","sentiment_score":0.12260761443111631},{"text":"And then, obviously, that occurred sort of the end of last year there with that investment.","start":1365.98,"end":1370.755,"sentiment":"neutral","sentiment_score":-0.05151598760858178},{"text":"So as we sort of come across that because it's only 10% or, like, 8.7 at the moment in your portfolio.","start":1371.215,"end":1376.995,"sentiment":"neutral","sentiment_score":-0.0760096652167184},{"text":"It's not a significant driver in, like, your growth if it did have a bad year.","start":1377.295,"end":1381.555,"sentiment":"neutral","sentiment_score":-0.2664490379393101},{"text":"But in saying that, we're just sort of looking at changing that out now before it sort of goes worse or it just sort of stagnates for another twelve months.","start":1381.775,"end":1389.99,"sentiment":"neutral","sentiment_score":-0.2616217419505119}],"sentiment":"neutral","sentiment_score":-0.12203325323834277,"channel":0,"num_words":101,"start":1361.34,"end":1389.99},{"sentences":[{"text":"If you did sort of do, like, the regularly three months and things like that, we do sort of track it a little bit more, have more conversations with you.","start":1390.13,"end":1395.89,"sentiment":"neutral","sentiment_score":0.08946527279913426},{"text":"But as a minimum, we do the 12 monthly.","start":1395.89,"end":1397.745,"sentiment":"neutral","sentiment_score":0.13562250634034476},{"text":"And if we were to change any underlying investments, we do have to provide a statement of advice piece like this just to illustrate any product changes that we are doing to your portfolio.","start":1397.745,"end":1405.6849,"sentiment":"neutral","sentiment_score":0.19911987597451491}],"sentiment":"neutral","sentiment_score":0.14622789759137858,"channel":0,"num_words":73,"start":1390.13,"end":1405.6849},{"sentences":[{"text":"Okay.","start":1406.33,"end":1406.83,"sentiment":"positive","sentiment_score":0.40307360887527466}],"sentiment":"positive","sentiment_score":0.40307360887527466,"channel":1,"num_words":1,"start":1406.33,"end":1406.83},{"sentences":[{"text":"Perfect.","start":1408.64,"end":1409.14,"sentiment":"neutral","sentiment_score":-0.01912534609436989},{"text":"There is, under OQ, a separately managed account, which does sort of allow for them to change the underlying investments, but you get less sort of say in what goes into your portfolio and what doesn't because it's up to the managers of that strategically managed account, what they have in it and what they don't, and you just sort of pull your funds with anyone that is in that strategically managed account.","start":1409.2,"end":1425.585,"sentiment":"neutral","sentiment_score":0.03421772748538076},{"text":"And then they'd sort of regularly update or review that every quarter, and then that changes for everyone in those funds versus, like, your your investments are individual to sorta you even though there are a few portfolios in on their approved product list.","start":1425.725,"end":1438.56,"sentiment":"neutral","sentiment_score":0.056363671933385456},{"text":"If you sorta go, hey.","start":1438.56,"end":1439.92,"sentiment":"neutral","sentiment_score":0.08685588166117668},{"text":"I wanna put, you know, some sort of Tesla or things like that in my portfolios.","start":1439.92,"end":1443.92,"sentiment":"neutral","sentiment_score":0.12126610893756151}],"sentiment":"neutral","sentiment_score":0.052757607746145706,"channel":0,"num_words":139,"start":1408.64,"end":1443.92},{"sentences":[{"text":"You have the freedom to do that as opposed to those separately managed accounts where what's in those is purely from the investment committees.","start":1443.92,"end":1450.56,"sentiment":"neutral","sentiment_score":0.15997049864381552},{"text":"They won't change those per year wishes versus, you know, having a fund like this where you do have a little bit more say in what goes in and what doesn't and sort of changes.","start":1450.56,"end":1459.095,"sentiment":"neutral","sentiment_score":0.037204137151794776},{"text":"Like you said, you can go on the the platform and have a little bit of a look at it.","start":1459.095,"end":1462.455,"sentiment":"neutral","sentiment_score":0.08055827766656876},{"text":"If you see something that you're not too fussed about, you don't like it, even if you looked at this report on what we're recommending in terms of it, if you look at that and go, hey.","start":1462.455,"end":1469.78,"sentiment":"neutral","sentiment_score":-0.1672641928936984},{"text":"I actually don't want that investment in our portfolio.","start":1469.78,"end":1471.7001,"sentiment":"negative","sentiment_score":-0.4369041687912411}],"sentiment":"neutral","sentiment_score":-0.026946482680737974,"channel":0,"num_words":125,"start":1443.92,"end":1471.7001},{"sentences":[{"text":"You have the freedom to be able to, you know, have a conversation without change those investments.","start":1471.7001,"end":1475.4801,"sentiment":"neutral","sentiment_score":-0.008831838912823619},{"text":"Obviously, you know, the portfolios are approved by the investment committee here, so that's a part of, like, the recommendations and the recommendations we make under Oakview.","start":1476.26,"end":1484.155,"sentiment":"neutral","sentiment_score":0.0009234052634349575},{"text":"But with that, you do have a little bit of a say if you do want sort of specific sort of shares if they're available or certain holdings should you not want them.","start":1484.615,"end":1491.9149,"sentiment":"neutral","sentiment_score":-0.07366853625033841}],"sentiment":"neutral","sentiment_score":-0.03319832487878474,"channel":0,"num_words":77,"start":1471.7001,"end":1491.9149},{"sentences":[{"text":"Yep.","start":1492.645,"end":1492.9651,"sentiment":"neutral","sentiment_score":0.15319135785102844},{"text":"Okay.","start":1492.9651,"end":1493.4651,"sentiment":"neutral","sentiment_score":0.3164181113243103}],"sentiment":"neutral","sentiment_score":0.23480473458766937,"channel":1,"num_words":2,"start":1492.645,"end":1493.4651},{"sentences":[{"text":"Perfect.","start":1494.79,"end":1495.29,"sentiment":"positive","sentiment_score":0.543725848197937},{"text":"In terms of the your current superannuation balance, it just shows you based on the the changes what that might look like.","start":1495.91,"end":1501.99,"sentiment":"neutral","sentiment_score":0.26925195211713965},{"text":"So with the investment change, they're moving that then along to that more passive Australian 200, the the beta shares.","start":1501.99,"end":1509.4751,"sentiment":"positive","sentiment_score":0.3601776137948036},{"text":"It will actually save your investment costs ongoing.","start":1509.935,"end":1512.275,"sentiment":"positive","sentiment_score":0.49582910165190697},{"text":"And then with that, because of the performance of that Benelong there, it does improve in performance slightly as well.","start":1512.655,"end":1518.03,"sentiment":"positive","sentiment_score":0.5616757109761238}],"sentiment":"positive","sentiment_score":0.4066333535691382,"channel":0,"num_words":71,"start":1494.79,"end":1518.03},{"sentences":[{"text":"Now the main thing with that one, you know, you see, performance is the one thing that's never guaranteed, which is, you know, the probably crap thing about receiving financial advice is nothing sort of guaranteed with the markets, especially what's going on.","start":1518.5901,"end":1528.99,"sentiment":"neutral","sentiment_score":0.12191661031440247},{"text":"But with that one at least, you'll have the guaranteed savings that you'll be saving $372 a year and then hopefully get that bit of better performance as well for you.","start":1528.99,"end":1537.775,"sentiment":"positive","sentiment_score":0.5939679395767951}],"sentiment":"neutral","sentiment_score":0.31966784284324257,"channel":0,"num_words":74,"start":1518.5901,"end":1537.775},{"sentences":[{"text":"Okay.","start":1538.2899,"end":1538.7899,"sentiment":"positive","sentiment_score":0.42103564739227295}],"sentiment":"positive","sentiment_score":0.42103564739227295,"channel":1,"num_words":1,"start":1538.2899,"end":1538.7899},{"sentences":[{"text":"Perfect.","start":1540.235,"end":1540.735,"sentiment":"positive","sentiment_score":0.5313960313796997},{"text":"As part of that, obviously, you can go into the advantages and disadvantages a little bit more than that.","start":1541.035,"end":1546.59,"sentiment":"neutral","sentiment_score":0.05028423078750309},{"text":"Obviously, at the moment, the main sort of risks associated with the investments at the moment is, you know, when you're buying and selling at the moment with it is so volatile, you do sort of get, you know, those those dips and highs that when you're sort of out of the market, you may miss, like, potential growth upside peaks.","start":1546.59,"end":1561.73,"sentiment":"neutral","sentiment_score":-0.19867951551177462},{"text":"With that, if it was to go down in that time, you do get the benefit of buying it at a lower cost.","start":1562.085,"end":1565.945,"sentiment":"positive","sentiment_score":0.3365794507705647},{"text":"Same with in regards to putting that money into an investment now.","start":1566.405,"end":1569.625,"sentiment":"neutral","sentiment_score":0.24041781077782312}],"sentiment":"neutral","sentiment_score":-0.000054421834647655724,"channel":0,"num_words":116,"start":1540.235,"end":1569.625},{"sentences":[{"text":"Obviously, the markets are a little bit more volatile.","start":1570.005,"end":1571.9249,"sentiment":"neutral","sentiment_score":-0.08088970267110401},{"text":"They have taken a little bit of a a dive, and then there's some peaks in there along the way as well.","start":1571.9249,"end":1575.81,"sentiment":"neutral","sentiment_score":-0.01415138573131778},{"text":"But if you're happy to ride out the volatility for at least over the next sort of six or so months where, you know, the the wall may continue and prices may soar in regards to certain things, they might sort of dip in regards to how things are progressing with their growth over that time frame.","start":1575.9701,"end":1590.365,"sentiment":"neutral","sentiment_score":0.02467981529863257},{"text":"But if you're sort of happy investing, you know, that longer term sort of eight to to ten year mark with this investment, it shouldn't affect you too much in the long term in terms of, like, how the world reacts to wars.","start":1590.365,"end":1602.445,"sentiment":"neutral","sentiment_score":0.15892938541811566},{"text":"Funnily enough, although it does cause, like, short term volatility, it's not much like COVID where the effects are felt, like, as long term as those COVID type events.","start":1602.445,"end":1613.18,"sentiment":"neutral","sentiment_score":-0.026366433771005993}],"sentiment":"neutral","sentiment_score":0.04022967909695581,"channel":0,"num_words":160,"start":1570.005,"end":1613.18},{"sentences":[{"text":"You do see that, you know, wars, Middle East, things like that, they do cause those blips on the the investment radar and what terms of, like, what does occur.","start":1613.18,"end":1622.775,"sentiment":"neutral","sentiment_score":-0.0777496578792731},{"text":"But over the long term, the markets tend to recover quite quickly in terms of, like, the the returns and how they sort of return.","start":1622.915,"end":1629.875,"sentiment":"neutral","sentiment_score":0.13019709080457686},{"text":"Much like with Trump and his tariff talk at the start of the year, you saw how much they affected the markets in terms of, like, how much it did drop.","start":1629.875,"end":1637.82,"sentiment":"neutral","sentiment_score":-0.15115146483144454},{"text":"But, you know, three months later, it's back and above where that dip did occur, and it's still on the the rise, if that makes sense.","start":1637.96,"end":1644.22,"sentiment":"neutral","sentiment_score":0.04776889859483792}],"sentiment":"neutral","sentiment_score":-0.02251130814797112,"channel":0,"num_words":112,"start":1613.18,"end":1644.22},{"sentences":[{"text":"Yep.","start":1645.555,"end":1646.055,"sentiment":"neutral","sentiment_score":0.10654737800359726},{"text":"It does.","start":1646.595,"end":1647.255,"sentiment":"neutral","sentiment_score":0.12837263941764832},{"text":"Yes.","start":1647.475,"end":1647.715,"sentiment":"neutral","sentiment_score":0.09667415916919708},{"text":"I was watching that.","start":1647.715,"end":1648.855,"sentiment":"neutral","sentiment_score":0.03702807147055864},{"text":"Hasn't gold gone up a lot just recently too because of the war or","start":1649.155,"end":1652.855,"sentiment":"neutral","sentiment_score":-0.2063939230782645}],"sentiment":"neutral","sentiment_score":-0.10370162823660807,"channel":1,"num_words":22,"start":1645.555,"end":1652.855},{"sentences":[{"text":"Yeah.","start":1653.175,"end":1653.675,"sentiment":"neutral","sentiment_score":-0.128493994474411},{"text":"As as I said, sort of 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negatively","start":1655.495,"end":1656.075,"sentiment":"neutral","sentiment_score":-0.22138070315122604}],"sentiment":"neutral","sentiment_score":-0.22138070315122604,"channel":0,"num_words":2,"start":1655.495,"end":1656.075},{"sentences":[{"text":"time?","start":1655.715,"end":1656.15,"sentiment":"neutral","sentiment_score":-0.23972651362419128}],"sentiment":"neutral","sentiment_score":-0.23972651362419128,"channel":1,"num_words":1,"start":1655.715,"end":1656.15},{"sentences":[{"text":"correlated in terms of, like, what does occur,","start":1656.615,"end":1658.775,"sentiment":"neutral","sentiment_score":-0.06739758607000113}],"sentiment":"neutral","sentiment_score":-0.06739758607000113,"channel":0,"num_words":8,"start":1656.615,"end":1658.775},{"sentences":[{"text":"Yep.","start":1658.7101,"end":1659.2101,"sentiment":"neutral","sentiment_score":0.005192707292735577}],"sentiment":"neutral","sentiment_score":0.005192707292735577,"channel":1,"num_words":1,"start":1658.7101,"end":1659.2101},{"sentences":[{"text":"people tend to to go back to those harder currencies during that time frame.","start":1658.775,"end":1663.03,"sentiment":"neutral","sentiment_score":-0.09466822631657124},{"text":"I do believe gold, because it was a bit of an all time high, there was a few sort of dips along the way there as well.","start":1663.03,"end":1669.67,"sentiment":"neutral","sentiment_score":-0.0014781086809105342},{"text":"But as a whole, it has sorta, you know, as a result of that, gone up a little bit in terms of that.","start":1669.67,"end":1676.575,"sentiment":"neutral","sentiment_score":-0.13057421990062879},{"text":"I wouldn't say it's, like, skyrocketed much like it has over the past few years.","start":1676.575,"end":1680.115,"sentiment":"neutral","sentiment_score":-0.05853713353474935},{"text":"But with that, it sort of I believe towards the end of last year, because it fell from its peak, it sort of took a bit of a dive, and then it's sort of trickling back up given what's happened over the start of the year there as well.","start":1680.735,"end":1692.44,"sentiment":"neutral","sentiment_score":-0.12522966893655912}],"sentiment":"neutral","sentiment_score":-0.08892798391752876,"channel":0,"num_words":128,"start":1658.775,"end":1692.44},{"sentences":[{"text":"But not to the extent that it did towards, you know, back back end of sort of 2024, 2025, where it did take a real big jump up in terms of, like, the price and what it was.","start":1693.62,"end":1705.675,"sentiment":"neutral","sentiment_score":-0.07585627056266132}],"sentiment":"neutral","sentiment_score":-0.07585627056266132,"channel":0,"num_words":38,"start":1693.62,"end":1705.675},{"sentences":[{"text":"Yeah.","start":1706.6749,"end":1706.73,"sentiment":"neutral","sentiment_score":0.13647732138633728}],"sentiment":"neutral","sentiment_score":0.13647732138633728,"channel":1,"num_words":1,"start":1706.6749,"end":1706.73},{"sentences":[{"text":"But, yeah, in saying that you will hold that as a portion of your your investment as well, which does help.","start":1709.5751,"end":1715.435,"sentiment":"neutral","sentiment_score":0.2728907224677858}],"sentiment":"neutral","sentiment_score":0.2728907224677858,"channel":0,"num_words":21,"start":1709.5751,"end":1715.435},{"sentences":[{"text":"Yeah.","start":1716.97,"end":1717.29,"sentiment":"neutral","sentiment_score":0.1253792643547058},{"text":"All I know is my dad's selling all of his right now.","start":1717.29,"end":1719.845,"sentiment":"neutral","sentiment_score":0.0024053989133487144},{"text":"Oh, he's retired and he's in his seventies and he's went bugger.","start":1719.845,"end":1723.665,"sentiment":"neutral","sentiment_score":-0.07324328397711118},{"text":"Good enough to sell now.","start":1723.9651,"end":1725.3451,"sentiment":"neutral","sentiment_score":0.13864988684654236}],"sentiment":"neutral","sentiment_score":-0.0010475307392577326,"channel":1,"num_words":30,"start":1716.97,"end":1725.3451},{"sentences":[{"text":"Yeah.","start":1727.22,"end":1727.62,"sentiment":"neutral","sentiment_score":-0.006562286056578159},{"text":"The problem is too is, like, when you are looking to retirement, that's when it sort of affects your portfolios more.","start":1727.62,"end":1732.655,"sentiment":"neutral","sentiment_score":-0.2627815660976228},{"text":"I'd be a little bit more hesitant sort of if you were, like, you know, 58 and putting this as a portion of your retirement savings that you were saying to look to draw down on as well just because of the fact of where the markets are at the moment.","start":1732.655,"end":1743.955,"sentiment":"neutral","sentiment_score":-0.27483317518935485},{"text":"But given, you know, you've still got plenty of sort of working life behind you, obviously, you wanna sort of look at potentially, you know, early retirement.","start":1744.095,"end":1750.74,"sentiment":"neutral","sentiment_score":-0.003332855300632892},{"text":"The good thing about having a business is sometimes you can step away and still have those in income that is coming in whether or not it's the same, but, you know, having employees that can still do some of the work for you and sort of doing transition to retirement, things like that as well.","start":1750.74,"end":1762.695,"sentiment":"positive","sentiment_score":0.3929045285497393}],"sentiment":"neutral","sentiment_score":0.015199996134003576,"channel":0,"num_words":156,"start":1727.22,"end":1762.695},{"sentences":[{"text":"So you do have a little bit more flexibility in that sense.","start":1763.255,"end":1765.9149,"sentiment":"positive","sentiment_score":0.4251454994082451},{"text":"Your portfolio as a whole, because it is a bit more defensive with that balance growth within your superannuation, has been traveling quite well as opposed to, you know, some other other higher growth because they do have those more exposure to growth assets, which funnily enough is sort of, you know, those more defensive portfolios tend to do better when those sort of events do occur.","start":1767.0149,"end":1785.4601,"sentiment":"neutral","sentiment_score":0.27981626487045147},{"text":"So over twelve month period, your superannuation's at, like, 11.9%, which is up there in par with sort of high growth portfolios.","start":1785.76,"end":1791.9401,"sentiment":"neutral","sentiment_score":0.21500281447714026},{"text":"With the with the changes there as well, with that a 200, it removes the underlying investment that isn't performing over the next sort of twelve months.","start":1793.6849,"end":1801.9249,"sentiment":"neutral","sentiment_score":-0.06496271987756093},{"text":"And, hopefully, you do see a little bit more growth with that now being out of it.","start":1801.9249,"end":1806.005,"sentiment":"neutral","sentiment_score":0.06125977306681521}],"sentiment":"neutral","sentiment_score":0.19218565767695164,"channel":0,"num_words":145,"start":1763.255,"end":1806.005},{"sentences":[{"text":"With the one being in the growth with that individual investment that we are recommending, like I said, you probably likely see a lot more volatility in that than you do in your superannuation.","start":1806.005,"end":1814.4,"sentiment":"neutral","sentiment_score":-0.12275498185087652},{"text":"It's just important that, you know, you do hold through those sort of fluctuations if you are planning on investing for that longer term period.","start":1814.54,"end":1822.0,"sentiment":"neutral","sentiment_score":-0.050865569412708284}],"sentiment":"neutral","sentiment_score":-0.09229336641097473,"channel":0,"num_words":59,"start":1806.005,"end":1822.0},{"sentences":[{"text":"Yep.","start":1822.525,"end":1823.025,"sentiment":"neutral","sentiment_score":0.03856045752763748},{"text":"I have to West Helena.","start":1823.165,"end":1824.465,"sentiment":"neutral","sentiment_score":0.01807014234364033}],"sentiment":"neutral","sentiment_score":0.02148519487430652,"channel":1,"num_words":6,"start":1822.525,"end":1824.465},{"sentences":[{"text":"Yeah.","start":1825.1849,"end":1825.5049,"sentiment":"neutral","sentiment_score":0.06472068279981613},{"text":"It's yeah.","start":1825.5049,"end":1826.065,"sentiment":"neutral","sentiment_score":0.06695470958948135},{"text":"You just gotta be mindful to to not sort of panic sell and things like that.","start":1826.065,"end":1829.4249,"sentiment":"neutral","sentiment_score":-0.07897796644829214},{"text":"Obviously, we do make adjustments if things sort of were continuing on.","start":1829.4249,"end":1832.725,"sentiment":"neutral","sentiment_score":0.08320534725983937},{"text":"With that, you can call up at any time.","start":1833.0249,"end":1834.7849,"sentiment":"neutral","sentiment_score":0.22656437423494127}],"sentiment":"neutral","sentiment_score":0.04931315435096621,"channel":0,"num_words":40,"start":1825.1849,"end":1834.7849},{"sentences":[{"text":"If you did have concerns, can talk about it and have conversations around it.","start":1834.7849,"end":1838.4801,"sentiment":"neutral","sentiment_score":0.1720474793442658},{"text":"And at any point, you can be like, I do wanna look at sort of transitioning out and things like that as well, and we can try and build some strategies around the best way to do that possible as well.","start":1838.6201,"end":1847.28,"sentiment":"neutral","sentiment_score":0.28976118128474165}],"sentiment":"neutral","sentiment_score":0.2597976935180751,"channel":0,"num_words":55,"start":1834.7849,"end":1847.28},{"sentences":[{"text":"Yeah.","start":1848.505,"end":1848.745,"sentiment":"neutral","sentiment_score":0.15321847796440125},{"text":"I'm not wanting to panic too much.","start":1848.745,"end":1850.525,"sentiment":"neutral","sentiment_score":0.04108691428388868}],"sentiment":"neutral","sentiment_score":0.05510335974395275,"channel":1,"num_words":8,"start":1848.505,"end":1850.525},{"sentences":[{"text":"Yeah.","start":1851.9149,"end":1852.1549,"sentiment":"positive","sentiment_score":0.3882426023483277},{"text":"And you've got yourself in a good position that, you know, with the the house a 100% offset, you know, a decent balance in your your superannuation plus a nice income from your business there that realistically you can afford to, you know, be able to to hold through those investments where you're likely not to need that in the event that something did go go wrong because with that considerable savings as well.","start":1852.1549,"end":1874.48,"sentiment":"positive","sentiment_score":0.5202028276147069}],"sentiment":"positive","sentiment_score":0.5184433579444885,"channel":0,"num_words":75,"start":1851.9149,"end":1874.48},{"sentences":[{"text":"Yeah.","start":1875.045,"end":1875.545,"sentiment":"neutral","sentiment_score":0.11489610373973846}],"sentiment":"neutral","sentiment_score":0.11489610373973846,"channel":1,"num_words":1,"start":1875.045,"end":1875.545},{"sentences":[{"text":"But do you have any questions in regards to that, Michael, with the the investment recommendation or the the superannuation update there?","start":1876.7949,"end":1883.215,"sentiment":"neutral","sentiment_score":0.04177857414734634}],"sentiment":"neutral","sentiment_score":0.04177857414734634,"channel":0,"num_words":22,"start":1876.7949,"end":1883.215},{"sentences":[{"text":"Not really.","start":1883.68,"end":1884.5,"sentiment":"neutral","sentiment_score":-0.06661892123520374},{"text":"No.","start":1885.4401,"end":1885.68,"sentiment":"neutral","sentiment_score":-0.0986817181110382}],"sentiment":"neutral","sentiment_score":-0.07730652019381523,"channel":1,"num_words":3,"start":1883.68,"end":1885.68},{"sentences":[{"text":"It is","start":1885.595,"end":1886.1749,"sentiment":"neutral","sentiment_score":-0.06472431682050228}],"sentiment":"neutral","sentiment_score":-0.06472431682050228,"channel":0,"num_words":2,"start":1885.595,"end":1886.1749},{"sentences":[{"text":"I locked a yeah.","start":1885.68,"end":1886.4,"sentiment":"neutral","sentiment_score":-0.08051351271569729},{"text":"I locked the idea of moving what do you call it?","start":1886.4,"end":1890.0,"sentiment":"neutral","sentiment_score":-0.04417132247578014},{"text":"Panel on?","start":1890.0,"end":1890.9,"sentiment":"neutral","sentiment_score":-0.01788399927318096},{"text":"Yep.","start":1891.04,"end":1891.28,"sentiment":"neutral","sentiment_score":-0.031008701771497726},{"text":"Get","start":1891.28,"end":1891.52,"sentiment":"neutral","sentiment_score":-0.04607369378209114}],"sentiment":"neutral","sentiment_score":-0.0484625785366485,"channel":1,"num_words":19,"start":1885.68,"end":1891.52},{"sentences":[{"text":"yeah.","start":1891.29,"end":1891.53,"sentiment":"neutral","sentiment_score":-0.03816359490156174}],"sentiment":"neutral","sentiment_score":-0.03816359490156174,"channel":0,"num_words":1,"start":1891.29,"end":1891.53},{"sentences":[{"text":"rid","start":1891.52,"end":1891.6,"sentiment":"neutral","sentiment_score":-0.06659230589866638}],"sentiment":"neutral","sentiment_score":-0.06659230589866638,"channel":1,"num_words":1,"start":1891.52,"end":1891.6},{"sentences":[{"text":"Getting","start":1891.53,"end":1891.77,"sentiment":"neutral","sentiment_score":-0.06921949237585068}],"sentiment":"neutral","sentiment_score":-0.06921949237585068,"channel":0,"num_words":1,"start":1891.53,"end":1891.77},{"sentences":[{"text":"of 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it.","start":1893.61,"end":1902.115,"sentiment":"neutral","sentiment_score":-0.20107329579500052},{"text":"So they're just looking at changing it now and just using it to","start":1902.115,"end":1904.835,"sentiment":"neutral","sentiment_score":-0.014837173315194936}],"sentiment":"neutral","sentiment_score":-0.1486029849472371,"channel":0,"num_words":55,"start":1892.09,"end":1904.835},{"sentences":[{"text":"Yep.","start":1904.745,"end":1905.245,"sentiment":"neutral","sentiment_score":0.05136619135737419}],"sentiment":"neutral","sentiment_score":0.05136619135737419,"channel":1,"num_words":1,"start":1904.745,"end":1905.245},{"sentences":[{"text":"offset some some losses some gains moving forward with those those losses.","start":1904.835,"end":1908.855,"sentiment":"neutral","sentiment_score":-0.025702269437412422},{"text":"But these only temps in your portfolio, so it's not like it's, you know, taking a a huge chunk out of it, which is which is nice at least, which is how you want those sort of active investments to work.","start":1909.235,"end":1918.38,"sentiment":"neutral","sentiment_score":0.08498069067008612},{"text":"That when they're doing good, you get nice, but a little growth extra and outperform the market a tiny bit potentially.","start":1918.38,"end":1923.5,"sentiment":"neutral","sentiment_score":0.15128673293760844},{"text":"Whereas, you know, when they do take a bit of a dive, it's not too fantastic.","start":1923.5,"end":1926.64,"sentiment":"negative","sentiment_score":-0.3928830632939935},{"text":"And Ben along over the past couple years haven't been doing the best in terms of, like, what their sort of goal was in terms of returns.","start":1926.86,"end":1933.9049,"sentiment":"negative","sentiment_score":-0.41015610098838806}],"sentiment":"neutral","sentiment_score":-0.09408154926047875,"channel":0,"num_words":117,"start":1904.835,"end":1933.9049},{"sentences":[{"text":"So with that and what did occur, they just, yeah, wanna move away from it.","start":1933.9049,"end":1937.9249,"sentiment":"neutral","sentiment_score":-0.2938293367624283},{"text":"In regards to that investment hybrid there as well, as I said, we'd be looking to change that in the future.","start":1939.585,"end":1944.485,"sentiment":"neutral","sentiment_score":0.02712668132569109},{"text":"With that one, though, we can sort of keep it because it is sort of available","start":1945.06,"end":1948.5,"sentiment":"neutral","sentiment_score":0.142550318967551}],"sentiment":"neutral","sentiment_score":-0.029941820002232607,"channel":0,"num_words":52,"start":1933.9049,"end":1948.5},{"sentences":[{"text":"Yep.","start":1948.34,"end":1948.84,"sentiment":"neutral","sentiment_score":0.1751852035522461}],"sentiment":"neutral","sentiment_score":0.1751852035522461,"channel":1,"num_words":1,"start":1948.34,"end":1948.84},{"sentences":[{"text":"for the the next few years there at least as 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fee.","start":2009.4199,"end":2018.6399,"sentiment":"neutral","sentiment_score":0.1263242855668068}],"sentiment":"neutral","sentiment_score":0.15885959991386958,"channel":0,"num_words":63,"start":1997.795,"end":2018.6399},{"sentences":[{"text":"Yep.","start":2018.8301,"end":2019.3301,"sentiment":"neutral","sentiment_score":0.1469196379184723}],"sentiment":"neutral","sentiment_score":0.1469196379184723,"channel":1,"num_words":1,"start":2018.8301,"end":2019.3301},{"sentences":[{"text":"Until such time that they change the fee structure, it will stay at that fixed fee amount as long as you sort of balance, you know, stays above that 600,000.","start":2019.055,"end":2026.175,"sentiment":"neutral","sentiment_score":0.06170037537813187},{"text":"If you were to withdraw a large chunk of your sort of individual investment there moving forward.","start":2026.175,"end":2031.91,"sentiment":"neutral","sentiment_score":0.11978741998181623},{"text":"The next sort of interview, they'll they'll adjust the fee to make sure that you aren't sort of getting charged as much if you were to follow that 600,000.","start":2031.97,"end":2040.07,"sentiment":"neutral","sentiment_score":0.15148454416414786},{"text":"And then because we do receive an ongoing for your MLC insurances, we'll just disclose that fee there as well.","start":2040.13,"end":2045.2949,"sentiment":"neutral","sentiment_score":0.2746151819825172},{"text":"It's not an additional cost to you.","start":2045.2949,"end":2046.415,"sentiment":"neutral","sentiment_score":0.24310471011059626}],"sentiment":"neutral","sentiment_score":0.15023772613805475,"channel":0,"num_words":103,"start":2019.055,"end":2046.415},{"sentences":[{"text":"It's just what MLC provide us for monitoring and maintaining that policy.","start":2046.415,"end":2050.175,"sentiment":"neutral","sentiment_score":0.28495851531624794},{"text":"We just outline it because it is a remuneration that we do get from that premium that you do 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mortgage.","start":2408.52,"end":2419.5,"sentiment":"neutral","sentiment_score":0.029231435381049335},{"text":"I have seen a few of those previously, but if you don't mind sending that through, Michael, we'll have a look at it and just confirm what type of policy it actually is and then have a conversation with you, see if you do wanna hold it or not.","start":2421.5452,"end":2431.965,"sentiment":"neutral","sentiment_score":0.012404315287665444}],"sentiment":"neutral","sentiment_score":0.02042047225652223,"channel":0,"num_words":94,"start":2405.405,"end":2431.965},{"sentences":[{"text":"Yep.","start":2431.775,"end":2432.1748,"sentiment":"neutral","sentiment_score":0.03614971041679382},{"text":"Yep.","start":2432.1748,"end":2432.6748,"sentiment":"neutral","sentiment_score":0.0250802468508482},{"text":"So I don't","start":2433.6099,"end":2434.09,"sentiment":"neutral","sentiment_score":-0.17334124694267908}],"sentiment":"neutral","sentiment_score":-0.09175875671207905,"channel":1,"num_words":5,"start":2431.775,"end":2434.09},{"sentences":[{"text":"No","start":2433.8801,"end":2434.3801,"sentiment":"neutral","sentiment_score":-0.2538418769836426}],"sentiment":"neutral","sentiment_score":-0.2538418769836426,"channel":0,"num_words":1,"start":2433.8801,"end":2434.3801},{"sentences":[{"text":"have a well, I do have a home loan, but","start":2434.09,"end":2436.97,"sentiment":"neutral","sentiment_score":-0.1878098279237747}],"sentiment":"neutral","sentiment_score":-0.1878098279237747,"channel":1,"num_words":10,"start":2434.09,"end":2436.97},{"sentences":[{"text":"problem.","start":2436.84,"end":2437.34,"sentiment":"negative","sentiment_score":-0.34543293714523315}],"sentiment":"negative","sentiment_score":-0.34543293714523315,"channel":0,"num_words":1,"start":2436.84,"end":2437.34},{"sentences":[{"text":"I don't have any money owing on it.","start":2436.97,"end":2439.39,"sentiment":"negative","sentiment_score":-0.46891800686717033}],"sentiment":"negative","sentiment_score":-0.46891800686717033,"channel":1,"num_words":8,"start":2436.97,"end":2439.39},{"sentences":[{"text":"Yeah.","start":2439.8,"end":2440.12,"sentiment":"negative","sentiment_score":-0.39788544178009033},{"text":"So it might sort of be null and void in the sense that, like, you're only covering for money that, like, you could essentially just pay off anyway should anything do go wrong.","start":2440.12,"end":2448.745,"sentiment":"negative","sentiment_score":-0.4007454266150792},{"text":"Plus you do have the life cover with MLC or a sender depending on the name that you see.","start":2448.745,"end":2454.185,"sentiment":"neutral","sentiment_score":0.06737975354649518},{"text":"They have obviously changed that as well.","start":2454.185,"end":2456.125,"sentiment":"neutral","sentiment_score":0.017817999635423933},{"text":"Yeah.","start":2457.145,"end":2457.5452,"sentiment":"neutral","sentiment_score":0.014833586290478706}],"sentiment":"neutral","sentiment_score":-0.2000444199828828,"channel":0,"num_words":61,"start":2439.8,"end":2457.5452},{"sentences":[{"text":"Do you have the info at OQ Financial or just my personal","start":2457.5452,"end":2461.05,"sentiment":"neutral","sentiment_score":0.00926424062345177}],"sentiment":"neutral","sentiment_score":0.00926424062345177,"channel":0,"num_words":12,"start":2457.5452,"end":2461.05},{"sentences":[{"text":"Yeah.","start":2461.96,"end":2462.2,"sentiment":"neutral","sentiment_score":0.006749932654201984},{"text":"I've got the email you 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don't reply to that one just because it's linked to that Odoo.","start":2464.97,"end":2467.37,"sentiment":"neutral","sentiment_score":-0.13541358709335327},{"text":"I don't know how that sort","start":2467.37,"end":2468.49,"sentiment":"neutral","sentiment_score":-0.10678457468748093}],"sentiment":"neutral","sentiment_score":-0.1263728463336041,"channel":0,"num_words":19,"start":2464.97,"end":2468.49},{"sentences":[{"text":"Yeah.","start":2468.36,"end":2468.76,"sentiment":"neutral","sentiment_score":-0.04287438839673996}],"sentiment":"neutral","sentiment_score":-0.04287438839673996,"channel":1,"num_words":1,"start":2468.36,"end":2468.76},{"sentences":[{"text":"of returns.","start":2468.49,"end":2469.1501,"sentiment":"neutral","sentiment_score":-0.043200165033340454}],"sentiment":"neutral","sentiment_score":-0.043200165033340454,"channel":0,"num_words":2,"start":2468.49,"end":2469.1501},{"sentences":[{"text":"Okay.","start":2468.76,"end":2469.075,"sentiment":"neutral","sentiment_score":0.0033559524454176426}],"sentiment":"neutral","sentiment_score":0.0033559524454176426,"channel":1,"num_words":1,"start":2468.76,"end":2469.075},{"sentences":[{"text":"So if you just respond to, like, a info@oqfinancial.com.au, or you can send it to my personal, which is kyle, khyl,@OakviewFinancial.com.au.","start":2469.85,"end":2481.0552,"sentiment":"neutral","sentiment_score":0.014373907198508581}],"sentiment":"neutral","sentiment_score":0.014373907198508581,"channel":0,"num_words":21,"start":2469.85,"end":2481.0552},{"sentences":[{"text":"Yep.","start":2492.9302,"end":2493.105,"sentiment":"neutral","sentiment_score":0.1729002445936203}],"sentiment":"neutral","sentiment_score":0.1729002445936203,"channel":1,"num_words":1,"start":2492.9302,"end":2493.105},{"sentences":[{"text":"Perfect.","start":2495.05,"end":2495.55,"sentiment":"positive","sentiment_score":0.5328472852706909},{"text":"Once it sort of comes through, we'll have a a look through that and just to see if it's what type, as I said, policy it is, if it's worth keeping or not, you might sort of, yeah, just look at removing it.","start":2496.01,"end":2506.135,"sentiment":"neutral","sentiment_score":0.11996434091828591},{"text":"But with that, if you do want us to review everything entirely, we can do that, provide another advice piece.","start":2506.135,"end":2511.0952,"sentiment":"neutral","sentiment_score":0.12474137227982282},{"text":"Otherwise, we can give you some general information and do sort of just a general information.","start":2511.0952,"end":2516.08,"sentiment":"neutral","sentiment_score":0.13221077667549253},{"text":"You can make a decision off that depending on how long you wanna wait for another advice document, if that makes sense as 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you have any other questions in regards to the advice piece at all today, Michael?","start":2523.6602,"end":2527.2002,"sentiment":"neutral","sentiment_score":0.11535430746152997}],"sentiment":"neutral","sentiment_score":0.11535430746152997,"channel":0,"num_words":16,"start":2523.6602,"end":2527.2002},{"sentences":[{"text":"Alright.","start":2528.415,"end":2528.895,"sentiment":"neutral","sentiment_score":0.13889843225479126},{"text":"Hello.","start":2528.895,"end":2529.135,"sentiment":"neutral","sentiment_score":0.20704224705696103},{"text":"Hello.","start":2529.135,"end":2529.295,"sentiment":"neutral","sentiment_score":0.3215886354446411},{"text":"It's good to me.","start":2529.295,"end":2530.05,"sentiment":"positive","sentiment_score":0.581199049949646}],"sentiment":"positive","sentiment_score":0.4274750735078539,"channel":1,"num_words":7,"start":2528.415,"end":2530.05},{"sentences":[{"text":"Perfect.","start":2530.675,"end":2531.075,"sentiment":"positive","sentiment_score":0.6460621356964111},{"text":"Have a chance to read through it, see if you're happy with everything.","start":2531.075,"end":2533.555,"sentiment":"positive","sentiment_score":0.4432169313614185},{"text":"There is the fixed fee arrangement for your superannuation.","start":2533.555,"end":2536.375,"sentiment":"neutral","sentiment_score":0.32218703296449447},{"text":"Once you were to be, like, happy with that or not, because they do require, like, bank details and how you would deposit it, they'll just contact you once you were to sign that document.","start":2536.675,"end":2545.28,"sentiment":"neutral","sentiment_score":0.25301443678992136},{"text":"They'll organize the actual application for the IDPS, add the bank details, everything like that, get that signed, and get that on the way as well as part of the implementation once you were to sign the document or not.","start":2545.28,"end":2556.0752,"sentiment":"neutral","sentiment_score":0.22753852251917123}],"sentiment":"neutral","sentiment_score":0.2782103237600959,"channel":0,"num_words":98,"start":2530.675,"end":2556.0752},{"sentences":[{"text":"Yep.","start":2556.305,"end":2556.6,"sentiment":"neutral","sentiment_score":0.12622281908988953},{"text":"I'm pretty sure","start":2557.24,"end":2557.9602,"sentiment":"neutral","sentiment_score":0.10101167112588882}],"sentiment":"neutral","sentiment_score":0.107314458116889,"channel":1,"num_words":4,"start":2556.305,"end":2557.9602},{"sentences":[{"text":"Perfect.","start":2557.895,"end":2558.395,"sentiment":"neutral","sentiment_score":0.18450579047203064}],"sentiment":"neutral","sentiment_score":0.18450579047203064,"channel":0,"num_words":1,"start":2557.895,"end":2558.395},{"sentences":[{"text":"where I've got it sitting.","start":2557.9602,"end":2559.1602,"sentiment":"neutral","sentiment_score":-0.07512915134429932},{"text":"I can't transfer out of that.","start":2559.1602,"end":2560.4402,"sentiment":"neutral","sentiment_score":-0.30346670870979625},{"text":"I've gotta put it into a banking spending account and then not transfer from there.","start":2560.4402,"end":2564.1401,"sentiment":"neutral","sentiment_score":0.03831657605866591}],"sentiment":"neutral","sentiment_score":-0.06237297569616483,"channel":1,"num_words":26,"start":2557.9602,"end":2564.1401},{"sentences":[{"text":"Yeah.","start":2564.5352,"end":2564.935,"sentiment":"neutral","sentiment_score":0.14736759662628174},{"text":"So sometimes, like, just to open it, you can just sort of do a certain fee and then be able transfer with the details from that as well.","start":2564.935,"end":2571.5,"sentiment":"neutral","sentiment_score":0.11064291426113673},{"text":"But that'll be able to explain all that and sort of the options","start":2571.56,"end":2573.96,"sentiment":"neutral","sentiment_score":0.11426189541816711}],"sentiment":"neutral","sentiment_score":0.11263747229462578,"channel":0,"num_words":42,"start":2564.5352,"end":2573.96},{"sentences":[{"text":"Yep.","start":2573.655,"end":2574.155,"sentiment":"neutral","sentiment_score":0.17589792609214783}],"sentiment":"neutral","sentiment_score":0.17589792609214783,"channel":1,"num_words":1,"start":2573.655,"end":2574.155},{"sentences":[{"text":"you do have in terms of, like, the direct debits and things like that, whether or not you do, like, the full amount upfront or whether or not you sort of, you know, open the account with x amount and then sort of just transfer the rest in at a later date when you've got all the details and everything.","start":2573.96,"end":2586.735,"sentiment":"neutral","sentiment_score":0.11012129709124566}],"sentiment":"neutral","sentiment_score":0.11012129709124566,"channel":0,"num_words":60,"start":2573.96,"end":2586.735},{"sentences":[{"text":"Yep.","start":2587.5098,"end":2588.0098,"sentiment":"neutral","sentiment_score":0.18856018781661987},{"text":"Okay.","start":2588.3098,"end":2588.8098,"sentiment":"neutral","sentiment_score":0.25612500309944153}],"sentiment":"neutral","sentiment_score":0.2223425954580307,"channel":1,"num_words":2,"start":2587.5098,"end":2588.8098},{"sentences":[{"text":"Not a problem.","start":2589.2751,"end":2589.995,"sentiment":"positive","sentiment_score":0.37782252828280133},{"text":"Because, yeah, there's not an upfront fee with that account anyway.","start":2589.995,"end":2592.5552,"sentiment":"neutral","sentiment_score":0.20487552948973395},{"text":"So with that, it's just the ongoing, and that'll be charged just like a flat monthly amount, which won't fluctuate with the market.","start":2592.5552,"end":2598.235,"sentiment":"neutral","sentiment_score":0.20773342640503592},{"text":"So it'll just be set for getting up to that fee for the twelve month period.","start":2598.235,"end":2602.21,"sentiment":"neutral","sentiment_score":0.21150676254183054},{"text":"But if you don't have any questions for me there, Michael, as I said, have a bit of read through, see if you're happy with it.","start":2602.51,"end":2606.03,"sentiment":"neutral","sentiment_score":0.19527466967701912}],"sentiment":"neutral","sentiment_score":0.21045844087117835,"channel":0,"num_words":79,"start":2589.2751,"end":2606.03},{"sentences":[{"text":"Otherwise, I'll let you get back to you in your morning.","start":2606.03,"end":2607.63,"sentiment":"neutral","sentiment_score":0.30979261615059595},{"text":"Thanks for your time today.","start":2607.63,"end":2608.85,"sentiment":"positive","sentiment_score":0.8026906251907349}],"sentiment":"positive","sentiment_score":0.46382324397563934,"channel":0,"num_words":16,"start":2606.03,"end":2608.85},{"sentences":[{"text":"Yep.","start":2608.98,"end":2609.38,"sentiment":"positive","sentiment_score":0.338570237159729},{"text":"And if I'm all happy, how do I proceed?","start":2609.38,"end":2612.3398,"sentiment":"neutral","sentiment_score":0.2748115128941006},{"text":"Just sign it?","start":2612.3398,"end":2613.22,"sentiment":"neutral","sentiment_score":0.11028273900349934},{"text":"Or","start":2613.22,"end":2613.46,"sentiment":"neutral","sentiment_score":0.08254814147949219}],"sentiment":"neutral","sentiment_score":0.23037644369261606,"channel":1,"num_words":14,"start":2608.98,"end":2613.46},{"sentences":[{"text":"Yeah.","start":2613.8848,"end":2614.125,"sentiment":"neutral","sentiment_score":0.12466844916343688},{"text":"Just click that link, sign the document.","start":2614.125,"end":2615.805,"sentiment":"neutral","sentiment_score":0.12088893034628459},{"text":"Once they get","start":2615.805,"end":2616.285,"sentiment":"neutral","sentiment_score":0.13699334859848022}],"sentiment":"neutral","sentiment_score":0.12562463703480634,"channel":0,"num_words":11,"start":2613.8848,"end":2616.285},{"sentences":[{"text":"yep.","start":2616.18,"end":2616.675,"sentiment":"neutral","sentiment_score":0.16439016163349152}],"sentiment":"neutral","sentiment_score":0.16439016163349152,"channel":1,"num_words":1,"start":2616.18,"end":2616.675},{"sentences":[{"text":"that and sort of action that, they'll get in contact with you to arrange that application.","start":2616.285,"end":2620.2249,"sentiment":"neutral","sentiment_score":0.24978710524737835}],"sentiment":"neutral","sentiment_score":0.24978710524737835,"channel":0,"num_words":16,"start":2616.285,"end":2620.2249},{"sentences":[{"text":"Okay.","start":2620.915,"end":2621.315,"sentiment":"positive","sentiment_score":0.3862060606479645},{"text":"Cool.","start":2621.315,"end":2621.815,"sentiment":"positive","sentiment_score":0.5434737205505371}],"sentiment":"positive","sentiment_score":0.4648398905992508,"channel":1,"num_words":2,"start":2620.915,"end":2621.815},{"sentences":[{"text":"Not a problem at all, Michael.","start":2622.605,"end":2623.7249,"sentiment":"positive","sentiment_score":0.5888981223106384},{"text":"Well, thanks for your time.","start":2623.7249,"end":2624.6848,"sentiment":"positive","sentiment_score":0.7835411310195923},{"text":"If you have any questions, shoot us an email, give us a call.","start":2624.6848,"end":2627.11,"sentiment":"positive","sentiment_score":0.3366286617058974},{"text":"And when I see your email come through with that insurance information, I'll give it a look for you there.","start":2627.11,"end":2632.33,"sentiment":"positive","sentiment_score":0.3718055494129658}],"sentiment":"positive","sentiment_score":0.43780404498631303,"channel":0,"num_words":44,"start":2622.605,"end":2632.33},{"sentences":[{"text":"Thank you very","start":2632.8127,"end":2633.453,"sentiment":"positive","sentiment_score":0.6668608585993449}],"sentiment":"positive","sentiment_score":0.6668608585993449,"channel":1,"num_words":3,"start":2632.8127,"end":2633.453},{"sentences":[{"text":"Bye.","start":2633.19,"end":2633.69,"sentiment":"positive","sentiment_score":0.5710933208465576}],"sentiment":"positive","sentiment_score":0.5710933208465576,"channel":0,"num_words":1,"start":2633.19,"end":2633.69},{"sentences":[{"text":"much.","start":2633.453,"end":2633.953,"sentiment":"positive","sentiment_score":0.5938804149627686}],"sentiment":"positive","sentiment_score":0.5938804149627686,"channel":1,"num_words":1,"start":2633.453,"end":2633.953},{"sentences":[{"text":"No problem at all.","start":2634.07,"end":2634.79,"sentiment":"positive","sentiment_score":0.6299256235361099},{"text":"Enjoy the rest of your day, Michael.","start":2634.79,"end":2635.83,"sentiment":"positive","sentiment_score":0.8027243529047284},{"text":"Thanks.","start":2635.83,"end":2636.33,"sentiment":"positive","sentiment_score":0.7580087184906006}],"sentiment":"positive","sentiment_score":0.7413984735806783,"channel":0,"num_words":12,"start":2634.07,"end":2636.33},{"sentences":[{"text":"You too.","start":2635.8528,"end":2636.493,"sentiment":"positive","sentiment_score":0.5658630132675171},{"text":"Bye.","start":2636.493,"end":2636.993,"sentiment":"positive","sentiment_score":0.4096534252166748}],"sentiment":"positive","sentiment_score":0.513793150583903,"channel":1,"num_words":3,"start":2635.8528,"end":2636.993},{"sentences":[{"text":"Bye.","start":2637.19,"end":2637.69,"sentiment":"neutral","sentiment_score":-0.022860899567604065}],"sentiment":"neutral","sentiment_score":-0.022860899567604065,"channel":0,"num_words":1,"start":2637.19,"end":2637.69}]},"summary":{"result":"success","short":"The OQ Financial representative called Mark to confirm their scheduled statement advice presentation and recommends replacing an old investment account with an alternative if the market dips. The speaker emphasizes the benefits of investing in the index type investment and the potential negative effects of the war in Iran. The speaker recommends establishing a personal investment account with the Hub 24 platform, maintaining a balanced growth portfolio, and adding an alternative personal investment account. The speaker also discusses the risks of investing in volatile markets and the importance of keeping the current strategy. The customer is instructed to send a copy of their insurance policy and to contact the insurance company for review and confirmation."},"intents":{"segments":[{"text":"I've got you scheduled in for your statement advice presentation this morning. Is now still a good time for you? Yep. Perfect.","start_word":30,"end_word":51,"intents":[{"intent":"Confirm presentation time","confidence_score":0.0020143038}]},{"text":"Now this one was finalized on the March 2 then, so they're valid for for sixty days from that date.","start_word":441,"end_word":460,"intents":[{"intent":"Confirm finalization","confidence_score":0.21103041}]},{"text":"But in saying that, if you sort of take a little bit longer than that, we can just confirm you a few details, update a few figures, and it should be fine there as well.","start_word":488,"end_word":522,"intents":[{"intent":"Update figures","confidence_score":0.37261957}]},{"text":"Okay.","start_word":543,"end_word":543,"intents":[{"intent":"Confirm details","confidence_score":0.03865172}]},{"text":"And then we're also just looking at making a couple of tweaks to superannuation. I know we didn't discuss that really in terms of making too many changes, but just as a business decision, they came out with a few adjustments in part like, in terms of some underlying assets, and I'll let you know what those are and what the the changes will be and what that looks like.","start_word":670,"end_word":739,"intents":[{"intent":"Make adjustments","confidence_score":0.035609927}]},{"text":"So, obviously, consider the personal investment of you wanting to invest that 300,000 in that long term sort of strategy to be able to have that invested in something other than your superannuation, have that invested a little bit more aggressively than your superannuation.","start_word":783,"end_word":826,"intents":[{"intent":"Discuss investment strategy","confidence_score":0.007500326}]},{"text":"So as a business decision, there's a fund that you hold called Bennelong. Now within regards to that, you don't have the most significant holding of it, but I'm not too sure if I I mentioned to you previously, but they have an underlying asset there called corporate traveler. Now with that one at the end of sort of last year, they were identified as not account like, keeping accounting records correctly.","start_word":846,"end_word":917,"intents":[{"intent":"Define asset status","confidence_score":0.000011682383}]},{"text":"So within regards to that, we are looking at replacing that just because over the long term, the investment key does believe that they will be able to recover and perform consistently to the point where they were previously. Now as a result of that, you you only have around the 8.6% in Benelong at the moment, so we'd be looking at replacing that with a an index fund that is within the Australian region.","start_word":968,"end_word":1042,"intents":[{"intent":"Replace fund with index fund","confidence_score":0.002397945}]},{"text":"So just be mindful of that. Like, you hold them until sorta such time that we need to replace them just so you're aware that that's another change that will be coming. Okay.","start_word":1241,"end_word":1273,"intents":[{"intent":"Reassure about portfolio changes","confidence_score":0.000037496135}]},{"text":"But you wanted to bump it up just to that growth, which is around that eighty twenty split, if you remember that conversation. Yeah.","start_word":1537,"end_word":1560,"intents":[{"intent":"Consider growth market","confidence_score":5.804225e-10}]},{"text":"in regards to the recommendation for the the personal investment, as I said, we're recommending you do it on hub twenty four for the benefits of the aggregate trading, having it all under the one sort of place.","start_word":1612,"end_word":1649,"intents":[{"intent":"Recommend growth portfolio use","confidence_score":0.0000019658814}]},{"text":"Now I'm sure you're aware of, like, what's happening currently with the, you know, the wars in Iran and everything like that. The markets are a little bit volatile at the moment. Yeah.","start_word":1808,"end_word":1840,"intents":[{"intent":"Discuss future of market","confidence_score":0.016099786}]},{"text":"The markets are a little bit volatile at the moment. Yeah.","start_word":1830,"end_word":1840,"intents":[{"intent":"Discuss volatility of markets","confidence_score":0.003728251}]},{"text":"In regards to that as well, you do have nice exposure within, you know, Europe, Japan, outside The US, and then also inside The US and Australia, which gives you a nice sort of geographical range of investments as well as the companies that are composed within those sort of regions as well. Yep.","start_word":3119,"end_word":3172,"intents":[{"intent":"Discuss portfolio experiences","confidence_score":0.000035445508}]},{"text":"If you scroll down to the page 22 there, you'll see the outline of the sort of ongoing investment costs of that. And with that, what it looks like in terms of the administration fees, investment costs, and then also the other fees and adviser fees that'll be attached to that.","start_word":3719,"end_word":3769,"intents":[{"intent":"Explaining investment costs","confidence_score":0.03657877},{"intent":"Providing information about fees","confidence_score":0.005601663}]},{"text":"Now within regards to that one, I do see that they haven't done the the flat fee for that one.","start_word":3771,"end_word":3790,"intents":[{"intent":"Discuss pricing options","confidence_score":0.0010207717}]},{"text":"Now in regards to that hump 24, we're just recommending retain everything likely unchanged.","start_word":4175,"end_word":4188,"intents":[{"intent":"Recommend investments","confidence_score":0.04241928},{"intent":"Propose investment strategy","confidence_score":0.0011448835},{"intent":"Recommend investment approach","confidence_score":0.03144998},{"intent":"Recommend investment decision","confidence_score":0.006070719}]},{"text":"You are sort of crystallizing a few of those losses that will go towards, you know, offsetting some future capital gains, which is not a bad thing. But with that, they just don't have the faith that it will be able to return from what it's gone down in a timely manner to where it's not sort of hindering your growth a little bit there as well, if that makes sense. Yeah.","start_word":4250,"end_word":4321,"intents":[{"intent":"Explain potential losses","confidence_score":0.000062789186}]},{"text":"But with that, they just don't have the faith that it will be able to return from what it's gone down in a timely manner to where it's not sort of hindering your growth a little bit there as well, if that makes sense.","start_word":4277,"end_word":4320,"intents":[{"intent":"Express belief in returnability","confidence_score":0.00034144934}]},{"text":"So I can't just yep. go in and change your underlying investments. We do have to provide a document. If things were, like, very sort of serious, you know, like COVID where they have sort of changed things to cash and just done, like, company wide changes, then they sort of sometimes do that.","start_word":4583,"end_word":4636,"intents":[{"intent":"Educate about portfolio changes","confidence_score":0.0016285742}]},{"text":"If you see something that you're not too fussed about, you don't like it, even if you looked at this report on what we're recommending in terms of it, if you look at that and go, hey. I actually don't want that investment in our portfolio. You have the freedom to be able to, you know, have a conversation without change those investments.","start_word":5062,"end_word":5124,"intents":[{"intent":"Evaluate portfolio preferences","confidence_score":0.005254672}]},{"text":"Obviously, at the moment, the main sort of risks associated with the investments at the moment is, you know, when you're buying and selling at the moment with it is so volatile, you do sort of get, you know, those those dips and highs that when you're sort of out of the market, you may miss, like, potential growth upside peaks.","start_word":5353,"end_word":5413,"intents":[{"intent":"Analyze market risks","confidence_score":0.034991384}]},{"text":"I'd be a little bit more hesitant sort of if you were, like, you know, 58 and putting this as a portion of your retirement savings that you were saying to look to draw down on as well just because of the fact of where the markets are at the moment.","start_word":6010,"end_word":6060,"intents":[{"intent":"Refuse reticence","confidence_score":4.0683523e-9}]},{"text":"But given, you know, you've still got plenty of sort of working life behind you, obviously, you wanna sort of look at potentially, you know, early retirement.","start_word":6061,"end_word":6087,"intents":[{"intent":"Consider early retirement","confidence_score":0.052372854},{"intent":"Consider early retirement","confidence_score":0.10978126},{"intent":"Discuss potential early retirement","confidence_score":0.0037773978}]},{"text":"So you do have a little bit more flexibility in that sense.","start_word":6144,"end_word":6155,"intents":[{"intent":"Discuss flexibility in retirement plan","confidence_score":0.00040698115}]},{"text":"Your portfolio as a whole, because it is a bit more defensive with that balance growth within your superannuation, has been traveling quite well as opposed to, you know, some other other higher growth because they do have those more exposure to growth assets, which funnily enough is sort of, you know, those more defensive portfolios tend to do better when those sort of events do occur.","start_word":6156,"end_word":6222,"intents":[{"intent":"Discuss portfolio growth","confidence_score":0.45849404},{"intent":"Discuss portfolio growth","confidence_score":0.25919503}]},{"text":"With the one being in the growth with that individual investment that we are recommending, like I said, you probably likely see a lot more volatility in that than you do in your superannuation. It's just important that, you know, you do hold through those sort of fluctuations if you are planning on investing for that longer term period.","start_word":6289,"end_word":6347,"intents":[{"intent":"Recommend holding through fluctuations","confidence_score":0.060194}]},{"text":"Obviously, we do make adjustments if things sort of were continuing on.","start_word":6373,"end_word":6384,"intents":[{"intent":"Make adjustments","confidence_score":0.048771624}]},{"text":"With that, you can call up at any time. If you did have concerns, can talk about it and have conversations around it. And at any point, you can be like, I do wanna look at sort of transitioning out and things like that as well, and we can try and build some strategies around the best way to do that possible as well. Yeah.","start_word":6386,"end_word":6450,"intents":[{"intent":"Discuss transition","confidence_score":0.03255745}]},{"text":"And at any point, you can be like, I do wanna look at sort of transitioning out and things like that as well, and we can try and build some strategies around the best way to do that possible as well. Yeah.","start_word":6408,"end_word":6449,"intents":[{"intent":"Build strategies","confidence_score":0.11384746}]},{"text":"And you've got yourself in a good position that, you know, with the the house a 100% offset, you know, a decent balance in your your superannuation plus a nice income from your business there that realistically you can afford to, you know, be able to to hold through those investments where you're likely not to need that in the event that something did go go wrong because with that considerable savings as well.","start_word":6458,"end_word":6531,"intents":[{"intent":"Hold","confidence_score":0.07933327}]},{"text":"No. It is I locked a yeah. I locked the idea of moving what do you call it? Panel on? Yep.","start_word":6557,"end_word":6577,"intents":[{"intent":"Move","confidence_score":0.6511179}]},{"text":"That when they're doing good, you get nice, but a little growth extra and outperform the market a tiny bit potentially.","start_word":6696,"end_word":6716,"intents":[{"intent":"Outperform market","confidence_score":0.19761205},{"intent":"Get good performance","confidence_score":0.00035915093}]},{"text":"And Ben along over the past couple years haven't been doing the best in terms of, like, what their sort of goal was in terms of returns. So with that and what did occur, they just, yeah, wanna move away from it.","start_word":6733,"end_word":6774,"intents":[{"intent":"Drive away","confidence_score":0.038066193}]},{"text":"In regards to that investment hybrid there as well, as I said, we'd be looking to change that in the future.","start_word":6776,"end_word":6796,"intents":[{"intent":"Change investment hybrid","confidence_score":0.63645893}]},{"text":"And then we'll probably look at changing that for an alternative, whether that's through, like, a a recommendation or just an ROA to the record of advice to change that to an alternative product that matches up with what it's currently in just because purely the fact that they they won't be available after 2032.","start_word":6824,"end_word":6878,"intents":[{"intent":"Obtain alternative product","confidence_score":0.01812311}]},{"text":"Obviously, have a chance to have a read through that, you know, do a bit of your own research. The appendix there does have links to all the investments that are recommended just to be able to have a look through that, see how you feel about it, and then sort of go right with the the risks.","start_word":6882,"end_word":6939,"intents":[{"intent":"Review investment recommendations","confidence_score":0.0953141}]},{"text":"In regards to the adviser fee, as I said, they are looking at doing that fixed fee. So in terms of what does come out because of the funds under management at that cap, so it'll be 4,950 for for each fund for managing of that fee. Yep.","start_word":7024,"end_word":7071,"intents":[{"intent":"Discuss fees for advising","confidence_score":0.000059268743},{"intent":"Explain fee structure","confidence_score":0.14995882}]},{"text":"The next sort of interview, they'll they'll adjust the fee to make sure that you aren't sort of getting charged as much if you were to follow that 600,000. And then because we do receive an ongoing for your MLC insurances, we'll just disclose that fee there as well. It's not an additional cost to you.","start_word":7119,"end_word":7174,"intents":[{"intent":"Inform about ongoing fee for mlc insurances","confidence_score":0.010203135}]},{"text":"What's the amount of say, insurance cover? Yep.","start_word":7212,"end_word":7219,"intents":[{"intent":"Verify insurance coverage","confidence_score":0.015970783}]},{"text":"I believe they do like, at the top saying there list what insurances you do hold on that same advice. I was just making sure that it it. was correct, like, and when it comes to your current situation under your details there. Yeah.","start_word":7550,"end_word":7593,"intents":[{"intent":"Review insurances","confidence_score":0.15207446},{"intent":"Review insurances","confidence_score":0.21851453},{"intent":"Review insurances","confidence_score":0.16533403}]},{"text":"yeah, cover that you do have there as well, and those figures are accurate from what I'm looking I at call. there.","start_word":7615,"end_word":7636,"intents":[{"intent":"Confirm coverage","confidence_score":0.05765069}]},{"text":"And so you've got policy that is in that MLC or like a sender, maybe named different when you get sort of reviews in the mail. You have a direct debit that pays Is that straight to MLC, direct debit from my personal account, or is that through paid through the super? Yeah.","start_word":7657,"end_word":7709,"intents":[{"intent":"Review policies","confidence_score":0.055745434}]},{"text":"I didn't realize, yeah, as I was going through the bank thinking what the what is all that. Because I thought So don't I did close them, but, obviously, I didn't. Yeah. yeah.","start_word":7822,"end_word":7854,"intents":[{"intent":"Confirm understanding","confidence_score":0.047075573}]},{"text":"No. I think it changed Grant because it was through, like, Saint Because George. MLC became like a sender. And if you had oh, yeah. St. George, there's sometimes the underwriter. Like, people will take over policies, Yeah.","start_word":8024,"end_word":8061,"intents":[{"intent":"Discuss policy changes","confidence_score":0.08373504}]},{"text":"of returns.","start_word":8347,"end_word":8348,"intents":[{"intent":"Recall","confidence_score":0.0010211576}]},{"text":"But with that, if you do want us to review everything entirely, we can do that, provide another advice piece. Otherwise, we can give you some general information and do sort of just a general information. You can make a decision off that depending on how long you wanna wait for another advice document, if that makes sense as well. Yep.","start_word":8416,"end_word":8476,"intents":[{"intent":"Review","confidence_score":0.41279674}]},{"text":"Otherwise, we can give you some general information and do sort of just a general information. You can make a decision off that depending on how long you wanna wait for another advice document, if that makes sense as well. Yep. Perfect.","start_word":8436,"end_word":8477,"intents":[{"intent":"Provide advice","confidence_score":0.020276012}]},{"text":"do you have any other questions in regards to the advice piece at all today, Michael?","start_word":8480,"end_word":8495,"intents":[{"intent":"Discuss","confidence_score":0.00040295775},{"intent":"Inquire about","confidence_score":0.0010439595}]},{"text":"So sometimes, like, just to open it, you can just sort of do a certain fee and then be able transfer with the details from that as well. But that'll be able to explain all that and sort of the options Yep.","start_word":8633,"end_word":8674,"intents":[{"intent":"Explain fee options","confidence_score":0.0035970171}]},{"text":"And if I'm all happy, how do I proceed? Just sign it? Or Yeah. Just click that link, sign the document. Once they get yep. that and sort of action that, they'll get in contact with you to arrange that application. Okay.","start_word":8833,"end_word":8874,"intents":[{"intent":"Arrange application","confidence_score":0.49193737}]},{"text":"No problem at all. Enjoy the rest of your day, Michael. Thanks.","start_word":8925,"end_word":8936,"intents":[{"intent":"Thank user","confidence_score":0.00003884674},{"intent":"End call","confidence_score":0.00072757644}]}]},"sentiments":{"segments":[{"text":"Hi. Michael speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.07861053943634033},{"text":"Good morning, Michael.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.4705379605293274},{"text":"It's Carl calling from OQ Financial. How are you today?","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.30502888560295105},{"text":"I'm good. How are you?","start_word":16,"end_word":20,"sentiment":"positive","sentiment_score":0.43052589893341064},{"text":"Yeah.","start_word":21,"end_word":21,"sentiment":"neutral","sentiment_score":0.2797287702560425},{"text":"Not too bad at all. Thanks for asking. I've got you scheduled in for your statement advice presentation this morning. Is now still a good time for you?","start_word":22,"end_word":49,"sentiment":"positive","sentiment_score":0.4089837074279785},{"text":"Yep.","start_word":50,"end_word":50,"sentiment":"neutral","sentiment_score":0.3174648880958557},{"text":"Perfect.","start_word":51,"end_word":51,"sentiment":"positive","sentiment_score":0.5324450731277466},{"text":"Just to jump into that one today, Mark, if I just pass through security with that name, date, and birth, and current address, we can get stuck into it. Yep. Michael or Mark Murphy. Yep. 20 37th 1974, And 6 Augustin Crescent Patriot. Right.","start_word":52,"end_word":95,"sentiment":"neutral","sentiment_score":0.1763987094163895},{"text":"Perfect.","start_word":96,"end_word":96,"sentiment":"positive","sentiment_score":0.40329238772392273},{"text":"And then just to confirm too, Michael, just because there was a little bit of a, you know, back and forth there with you potentially speaking to the mortgage broker with the investment. And I can just confirm that in regards to your details, nothing's sort of significant changed in the last sort of few months since we last sort of confirmed those. No. Brent occupation, you know, still self employed, still running the business. No sort of changes Yep. to dependents or all that sort of good stuff.","start_word":97,"end_word":185,"sentiment":"neutral","sentiment_score":0.0008633475517854095},{"text":"Perfect.","start_word":186,"end_word":186,"sentiment":"positive","sentiment_score":0.3668254613876343},{"text":"Not a problem at all. Now I will be sending this through there to MickMerse74@Gmail.com, Yep. and then we'll just run through that one quickly. How much time do you have there this morning, Mark? Because I can make it a a little more brief and give you a chance to run through it yourself and come back with any questions, or I can go, like, a little bit more in-depth depending on, you know, how much time you wanna talk to me on the phone this morning. Yeah. I've got a little bit of time this morning. But, Perfect. yeah, I'd like to have a look as well. So I'd like to do both.","start_word":187,"end_word":301,"sentiment":"neutral","sentiment_score":0.13489697873592377},{"text":"Great.","start_word":302,"end_word":302,"sentiment":"positive","sentiment_score":0.49709630012512207},{"text":"So that should come through shortly. Now it's Odoo instead of the DocuSign you probably previously used. I'm not too sure if you've signed an OdooSign before. Similar to DocuSign, it just comes through in an email from Oakview via Odoo. It'll say it came from myself, Kyle Giddings. Now with that one there, they'll have some attachments. So that's your supporting documentation as well as your your statement of advice there. In addition to that, you'll also have there the link to sign the signable document should you be happy with the advice. But you don't need to click on that link. You can just click on the the statement advice and the the attachments there. We can run through it together. You can take as much time to sort of read through it there as well. Now this one was finalized on the March 2 then, so they're valid for for sixty days from that date. Obviously, just took a little bit there to to get it booked in from when it was finalized with the the business being a little bit busy. But in saying that, if you sort of take a little bit longer than that, we can just confirm you a few details, update a few figures, and it should be fine there as well. But you still got plenty of time to be able to read through that and make a a decision there. Okay. Now has that one come through Yep. to you there?","start_word":303,"end_word":553,"sentiment":"neutral","sentiment_score":0.15400783684980346},{"text":"Perfect.","start_word":554,"end_word":554,"sentiment":"positive","sentiment_score":0.5004022717475891},{"text":"If you could just open up the Now that statement just advice. put it on to me big computer because it's just come on to the the phone. Not a problem at Just all. so I can see it properly and talk to you properly. Otherwise, Yeah. I'll Yeah. get No. Completely understandable. It is a lot of words coming at you as well. So, you know, I do recommend sort of after the the phone call distracted. digest a little bit, take a bit a bit of time to have a quick look through the document. It is quite straightforward in the sense that we are just looking at that investment account for you. And then we're also just looking at making a couple of tweaks to superannuation. I know we didn't discuss that really in terms of making too many changes, but just as a business decision, they came out with a few adjustments in part like, in terms of some underlying assets, and I'll let you know what those are and what the the changes will be and what that looks like. Have you got that one up there in front of you there, Michael, now? With which one? The the statement advice? Yep. Yep. So on the the third page there, you do see the the scoping and what's considered in the statement advice. So, obviously, consider the personal investment of you wanting to invest that 300,000 in that long term sort of strategy to be able to have that invested in something other than your superannuation, have that invested a little bit more aggressively than your superannuation. In addition to that one, as I said, we're just looking at updating a few underlying assets in that. So as a business decision, there's a fund that you hold called Bennelong. Now within regards to that, you don't have the most significant holding of it, but I'm not too sure if I I mentioned to you previously, but they have an underlying asset there called corporate traveler. Now with that one at the end of sort of last year, they were identified as not account like, keeping accounting records correctly. And as a result of that, they were on a trading hold. Bennelong had to re sort of value that and with that trading hold.","start_word":555,"end_word":942,"sentiment":"neutral","sentiment_score":0.05520535546556576},{"text":"And then also people lost a bit of consumer confidence with the Bennelong fund itself for having that underlying investment that's caused that significant dip.","start_word":943,"end_word":967,"sentiment":"negative","sentiment_score":-0.5480901002883911},{"text":"So within regards to that, we are looking at replacing that just because over the long term, the investment key does believe that they will be able to recover and perform consistently to the point where they were previously. Now as a result of that, you you only have around the 8.6% in Benelong at the moment, so we'd be looking at replacing that with a an index fund that is within the Australian region. It is a bit cheaper of an investment, and you don't have that actively managed portion to that. You'll still have some active management in the ClearBridge rare infrastructure fund that you do have in there currently. And then we're also looking at replacing just the bank hybrids, and that's purely because of the fact that they are phasing those out as a product, and we're just looking at removing it and replacing it with an alternative in the event that sort of, you know, you did hold them up to the point where you can no longer hold them as an asset, if that makes sense. Yeah. Is that in my super, or is this we're That's moving in your forward.","start_word":968,"end_word":1164,"sentiment":"neutral","sentiment_score":0.10206843818050956},{"text":"super Yep.","start_word":1165,"end_word":1166,"sentiment":"positive","sentiment_score":0.3563942611217499},{"text":"that yeah. That's in your your Okay. superannuation in regards to those underlying investments. The rest of portfolio has been tracking quite nicely. So as a result of that, we are not looking at changing that. We're just looking at changing in regards to that that Ben along to that BetaShares Australian two hundred. And then with the the bank hybrids there, we can look at sorta you can hold them up until 2032. So just be mindful of that. Like, you hold them until sorta such time that we need to replace them just so you're aware that that's another change that will be coming. Okay. Yep.","start_word":1167,"end_word":1274,"sentiment":"neutral","sentiment_score":0.04926842823624611},{"text":"Perfect.","start_word":1275,"end_word":1275,"sentiment":"positive","sentiment_score":0.48415160179138184},{"text":"Now as far as the the same advice itself is quite simple in the sense that we're recommending that you establish a personal investment account with the Hub 24 platform where you hold your superannuation at the moment.","start_word":1276,"end_word":1313,"sentiment":"neutral","sentiment_score":0.2756482660770416},{"text":"Now one of the benefits of that is that you do get linked admin fees for your funds under management. So as a result of that, it'll actually lower your overall administration costs for holding the the funds under the one platform.","start_word":1314,"end_word":1355,"sentiment":"positive","sentiment_score":0.5153070092201233},{"text":"On page 70, you will see just your general details. If you do wanna confirm they are correct and haven't sort of changed, on the page over, you will see those assets and liabilities. And then the next page over, you'll be able to see your your current balance within your hub 24 and then also your insurances that you do hold, which we're not looking at changing at the moment, if that makes sense. Yep. I'm not gonna look. Yeah. Just while you're having a look through those, so your risk profile with superannuation, you still agreed to keep that balanced growth portfolio. You don't wanna look at increasing that you're happy with how that's traveling within a balanced growth profile. Within regards to the IDPS investment, you did state that you wanted to have a little bit more exposure, even sort of generally we do it the other way around having a little bit more in suit because you can't touch it and a little less in, like, your IDPS accounts because you can draw down on them. But you wanted to bump it up just to that growth, which is around that eighty twenty split, if you remember that conversation. Yeah. Connor, just waiting a couple Yep. of weeks now. Yeah. Yeah. So within regards to your your balance growth, there can be sort of anywhere between 60 to 70% growth assets, whereas the the the growth fund is about the eighty twenty sort of split around those sort of marks. Now Okay. in regards to the recommendation for the the personal investment, as I said, we're recommending you do it on hub twenty four for the benefits of the aggregate trading, having it all under the one sort of place. You don't have to have two separate accounts in regards to that.","start_word":1356,"end_word":1661,"sentiment":"neutral","sentiment_score":0.10404551861917272},{"text":"You'll be able to view it under your sort of one portal with the the linked account there. You're a bit more familiar with Hub twenty four as well, and you get the benefit of those reduced fee costs.","start_word":1662,"end_word":1700,"sentiment":"positive","sentiment_score":0.4234972894191742},{"text":"Now in regards to why it's been your best interest there, we determine that Hub twenty four would be the most appropriate based on the the potential for the capital growth with the portfolios that we can build on that in conjunction with holding it with your your superannuation there as well. Much like your superannuation, we review it as a minimum every twelve months. You can have more regular reviews as well. Having a growth portfolio, you're sort of looking at that sort of seven to eight year time frame of holding it to try and get those average returns with the fluctuations in the market. Now I'm sure you're aware of, like, what's happening currently with the, you know, the wars in Iran and everything like that.","start_word":1701,"end_word":1829,"sentiment":"neutral","sentiment_score":0.13718493282794952},{"text":"The markets are a little bit volatile at the moment.","start_word":1830,"end_word":1839,"sentiment":"negative","sentiment_score":-0.36215004324913025},{"text":"Yeah. Well, So there's so I was something I was thinking this was gonna change the conversation yeah. In saying that too, so although it is quite a volatile time, you may see some, like, ups and downs in the first sort of six to twelve months within slightly. that, but timing the market's better than sort of trying to time the market. You never know when it's Yep. gonna, like, the war's gonna stop, when it's gonna sort of recover. As long as you're willing to hold it for that sort of allotted time frame, the the time in the market can outweigh just trying to time that market, and the markets themselves have taken a tiny bit of a a dip through the start of the year there. So even then, if they were to start recovering sort of in the next sort of few months there, you might see the potential upside. If the war continues and it creates that little bit more volatility too, you might see a little bit of it down before you start to see an up. But, obviously, investing is that longer term game. Yep. And with that, if you're sort of willing to hold it that seven to eight year sort of ten year time frame with those investments, time in the market still as long as you hold and have high conviction within those investments, the market over those periods generally trends upwards there as well. And then, obviously, with that, it does increase your level of risk just at the moment with what is happening. But as long as you're comfortable with that risk and you're not gonna sort of panic sell out. You're not really losing money until such time that you do sell the investment. So within regards to the portfolio we are recommending as well, it doesn't have any managed funds at the moment. So, obviously, it's a bit hard to pick winners with what is occurring at the moment. So the investments that we are recommending just is a index type investment. So it's like those ETF funds that follows and track those indexes over the world. We do have exposure across Europe, Japan, outside The US, The US itself, and Australia, which gives you a nice broad spectrum there that over the the long term, it should tick along and up nicely even though if it does see some volatility in the first sort of six to twelve months then, Yep. I'm if a that makes sense. yes.","start_word":1840,"end_word":2263,"sentiment":"neutral","sentiment_score":0.016928986778025918},{"text":"It does.","start_word":2264,"end_word":2265,"sentiment":"positive","sentiment_score":0.3409860134124756},{"text":"Yep.","start_word":2266,"end_word":2266,"sentiment":"neutral","sentiment_score":0.3271235227584839},{"text":"Perfect.","start_word":2267,"end_word":2267,"sentiment":"positive","sentiment_score":0.7664430141448975},{"text":"Now with in regards to that, we just given that you are increasing your risk and you're a little bit more risk adverse, that's why also additionally why we didn't add those actively managed funds because much like with WorkCare with Benelung, they can have those really good years, and then they can also have the years where they perform, you know, that negative 20%, and it can really sort of start to have adverse effects depending on how much holdings you have. At the moment, Ben Long isn't it sort of huge holding in your portfolio and within superannuation.","start_word":2268,"end_word":2367,"sentiment":"neutral","sentiment_score":-0.30178388953208923},{"text":"But if sort of both your actively managed funds did have a bad year, it would sort of impact the growth within your fund.","start_word":2368,"end_word":2391,"sentiment":"negative","sentiment_score":-0.42325347661972046},{"text":"Yep. That makes sense? Yes.","start_word":2392,"end_word":2396,"sentiment":"neutral","sentiment_score":0.18324871361255649},{"text":"So within regards to that, you know, you'll have all the benefits of being ongoing clients still with that and then having it. You'll have those aggregated fees all in the one platform there. We could look at changing things that they have the the freedom of adjustments.","start_word":2397,"end_word":2444,"sentiment":"positive","sentiment_score":0.44338259100914},{"text":"And should you ever wanna sort of pull it out, you can. Just be mindful of the fact that within regards to the the interest and the the earnings on those sort of accounts, you do, like, form part of, like, individual tax returns. And I know you sort of already at that higher sort of income with the dividends you pay yourself even though they are frank. So if you weren't sort of franking those dividends, had a higher income, you're looking sort of potentially maybe, you know, additional taxes, things like that as well, which is something to be mindful Yep. We're having a quiet first quarter. Third quarter, I guess you call it, but, yeah, for this year. of. Yeah. Because your base is around the $1.20. Correct? And then the rest of that comes from, like, those frank dividends from your company that makes up the majority of the rest of your income? Yeah. Around that, something like that. I Yeah. don't Okay. remember The other alternatives we exactly. sort of did consider were investment bonds. So they operate much like to an IDPS account, but they're held by a company. You can look at reducing taxes that way and the the overall cost of, like, the investment long term, but you do have to hold those for ten years for that benefit.","start_word":2445,"end_word":2671,"sentiment":"neutral","sentiment_score":0.05737614021985279},{"text":"And given that you might wanna sort of access them for early retirement, to to things down the future, should it be performing well enough that you feel like you wanna, you know, make other purchases, other investments, so we didn't lock it away for that ten years.","start_word":2672,"end_word":2719,"sentiment":"positive","sentiment_score":0.5266273021697998},{"text":"And then we also considered some other providers there as well in terms of platforms who could hold it.","start_word":2720,"end_word":2738,"sentiment":"neutral","sentiment_score":0.2414487451314926},{"text":"That may be a tiny bit cheaper. But given the fact that Hub twenty four has that aggregate trading, you get the benefit of having, you know, administration costs that are lowered by having the pooled fees and funds.","start_word":2739,"end_word":2777,"sentiment":"positive","sentiment_score":0.3691496551036834},{"text":"We just recommended staying on the Hub twenty four platform, if that makes sense. Yep. No. Perfect. On page 20 there, you will see a breakdown of the investments. Now as I said, you don't have actively managed funds in this portfolio. It is in line with the I growth portfolio, which is around that eighty twenty split don't. Page With 20. that eighty twenty, sorry. Sorry. What page? On page 20, you'll see the breakdown of the actual investments you hold. Oh, which one am I on there? Oh, sorry. I switched to a different one. I mean, I have some 21 on one. Yep. Yeah. So that page and the next page will give you the breakdown not only of the the sort of split, but then your actual portfolio. Now at the moment, it's sort of saying that you sort of run 86% growth.","start_word":2778,"end_word":2924,"sentiment":"neutral","sentiment_score":0.06789888441562653},{"text":"That's around 14% defensive, and that's because purely they've considered gold to be a full growth asset in the sense that, you know, the way gold has been performing, it's very capital in nature with what it has been sort of being able to do. And then with that, they have just considered to be fully growth.","start_word":2925,"end_word":2981,"sentiment":"positive","sentiment_score":0.35297083854675293},{"text":"Now gold can be considered a bit of alternative where you do get that defensive portion that during market downturns as well. Gold tends to trickle up as opposed to that sort of negatively correlated. But so you looks like you're a little bit more overly exposed to growth assets, but that gold's considered a 100% growth at the moment. That's around the 10%. With that, you do have a little bit exposure to the tech sort of space. And with the the cybersecurity, it's only 5% a bit of a satellite with how it has been sort of traveling. It's down at the moment, so they still do have conviction in that long term.","start_word":2982,"end_word":3096,"sentiment":"neutral","sentiment_score":0.0209362189406934},{"text":"So at the moment, if you bought in low and it sort of makes a nice recovery, that'll be a good point.","start_word":3097,"end_word":3118,"sentiment":"positive","sentiment_score":0.40953201055526733},{"text":"In regards to that as well, you do have nice exposure within, you know, Europe, Japan, outside The US, and then also inside The US and Australia, which gives you a nice sort of geographical range of investments as well as the companies that are composed within those sort of regions as well. Yep. You'll also have the iShares composite bond, which is purely just a defensive asset there, which aims to sort of protect that during market downturns a little bit as well. So you get nice amount of exposure, reduce sort of manager risk by not having those actively portions, finished portions. And then with that, over the long term, you know, those index investments tend to outperform managed portfolios over the long term period. Managed funds sort of tend to either do really well or sort of quite poorly, and they're sort of maybe sometimes in between. Whereas the indexes, if the markets are doing alright, they they tend to do alright as well, but you won't be able to sort of outperform whatever the markets are doing because you're basically trying to track those markets, if that makes sense. Are you calling Yep. Did you need for me to explain, like, anything sort of more in-depth in regards to those index investments as opposed to having actively managed investments? Which ones are the index ones when I'm looking at it? Is So that that entire portfolio, that on that yes. page 20 there, they're all indexed investments. So iShares tracks the top 500 companies, ISMP Right. five hundred five hundred companies Okay. in America. BetaShares Australia tracks the top 200. Now it's fluid in the sense that if a company within those sort of regions on those exchanges there was to, you know, skyrocket in terms of, like, growth and price, if it makes it to those top 500, you'll hold it as an asset. If they sort of become an under performer and fall out of that top, like, 500, you won't hold it anymore, which is sort of dynamic in the sense that, you know, as companies grow and fall, you know, you're switching those investments dynamically along the way and just tracking those markets, whereas those managed funds aim to, you know, pick a few winning horses that they believe are gonna get that massive sort of growth, and they sort of try and outperform the market and trying to find those companies that have the high potential upsize, whereas you kind of hold the companies that are already sort of stable in those those top sort of brackets, if that makes sense. Yep. So that's my Subaru and No. That's the personal investment one on page 20, the alright. recommendation. That alright. Yeah. Yeah. Yep. Yep. So with the the fee of, like, the upfront investment cost of that, it's looking around $296,250 that'll be invested, and that's the breakdown of those investments. So your Right. key holdings Yep. there will be the iShares of p 500 and the BetaShares Australian two hundred. The rest of them are sort of split to be more satellite. But if they were to sort of not perform within those sort of regions or have a negative year, that your portfolio wouldn't be as negatively affected, whereas, you know, that your banking sort of on Australia and the the American market sort of tracking nicely over the next sort of seven to eight years in growth to be able to sort of get nice sustained income or, like, capital growth out of your investment. Yep.","start_word":3119,"end_word":3717,"sentiment":"neutral","sentiment_score":0.14432283780710128},{"text":"Perfect.","start_word":3718,"end_word":3718,"sentiment":"positive","sentiment_score":0.4686342477798462},{"text":"If you scroll down to the page 22 there, you'll see the outline of the sort of ongoing investment costs of that. And with that, what it looks like in terms of the administration fees, investment costs, and then also the other fees and adviser fees that'll be attached to that. Now within regards to that one, I do see that they haven't done the the flat fee for that one. It was just based on aggregate balance. So within regards to that one, we're recommending because you've got the two funds under OQN at the moment. There is that cap of 600,000 to just do a flat fee across the two accounts so that because you're already over 600,000 if you were to put that money under investment with us. We don't wanna sort of have you getting charged over with the the two accounts because with the split, if you sort of, you know, wants to grow more in that IDPS and you obviously superannuation is already over the 300,000, you would be getting charged more as a result of that.","start_word":3719,"end_word":3901,"sentiment":"neutral","sentiment_score":0.04296920228688443},{"text":"Now the the potential downside is that if there was a significant market dip with that flat fee for the twelve months, you might get charged more.","start_word":3902,"end_word":3928,"sentiment":"negative","sentiment_score":-0.5437731146812439},{"text":"But given your superannuation sort of up around that sort of $3.","start_word":3929,"end_word":3940,"sentiment":"neutral","sentiment_score":-0.2838670015335083},{"text":"60, 70 mark depending on what the market's doing at the moment, It'd have to drop quite significantly before that sort of negatively impacts you, if that makes sense as well.","start_word":3940,"end_word":3970,"sentiment":"negative","sentiment_score":-0.47042036056518555},{"text":"Yep. Now we did sort of just do a general cash rate in regards to, like, a three year rolling average there and then the the LA growth that we're sort of recommending you in that fund. Now with the investment cost, it obviously costs more than just holding it in cash. The administration fees, it hasn't done the full calculation as to the the pool balances there. So once they are pulled and under the same sort of platform there, it'll likely be less than that. We can sort of get the calculations done to show you what that might look like in terms of overall administration fees across the two funds once we sort of get the the balances there. And then with the adviser fee, as I said, it would be a flat fee just to ensure that you're not getting charged overly, if that makes sense. Yep. Yep. And I'll just see what yeah. The on the on the page 31, once we get to it, it does highlight the fixed fee and what that'll be across two accounts, and then your ongoing there for the the insurances just as a a reminder of how much you would be paying. Now in regards to that hump 24, we're just recommending retain everything likely unchanged. Now, obviously, as a result of that pendulum and what did occur, I know we didn't talk about it too much in terms of changing superannuation investments because of how it was performing, and you're still pretty happy with the returns. But just for the long term, we're just thinking, you know, proactively to try and get rid of that now. You are sort of crystallizing a few of those losses that will go towards, you know, offsetting some future capital gains, which is not a bad thing. But with that, they just don't have the faith that it will be able to return from what it's gone down in a timely manner to where it's not sort of hindering your growth a little bit there as well, if that makes sense. Yeah. It's like the difference between, like because, obviously, if something dips, you never sort of wanna sell low, buy high. No. But if you don't have conviction in the investment being able to return or perform, you know, over the long term, you're sort of better off taking a little bit of a loss there and going into an investment that is gonna get you that return because, you know, even if you you've already made the the loss in the sense that if it doesn't come back, you still sit at that level, whereas you take the loss offset some capital gains down the track because you are still holding the one fund, then, you know, you can be an investment that is making a more solid return. And then that way, you know, you have a better chance of recouping those losses in a different investment rather than sort of riding out much like the the hack that you currently hold with what did sort of go down there. And then what we're recommending, obviously, it's taken a dip, but they have conviction in that long term that it will recover. So that's why they're looking at holding that investment versus, like, the Benelon, which they're looking at getting rid of. That makes sense. Yep. So you guys just adjust to suit whatever's going on anyway, don't you? I don't have to come and tell you that, oh, no. That one's not looking good. That So was the understanding. Is that right? Or that's what we're we're changing now. So I can't just yep. go in and change your underlying investments. We do have to provide a document. If things were, like, very sort of serious, you know, like COVID where they have sort of changed things to cash and just done, like, company wide changes, then they sort of sometimes do that. But to be proper and follow, like, you know, the law and letter to the law, we do have to that's why we do those annual reviews that each sort of Yep. year, we double check, see how things are going, whole conversation, look at doing those sort of changes. And then, obviously, that occurred sort of the end of last year there with that investment. So as we sort of come across that because it's only 10% or, like, 8.7 at the moment in your portfolio. It's not a significant driver in, like, your growth if it did have a bad year. But in saying that, we're just sort of looking at changing that out now before it sort of goes worse or it just sort of stagnates for another twelve months. If you did sort of do, like, the regularly three months and things like that, we do sort of track it a little bit more, have more conversations with you. But as a minimum, we do the 12 monthly. And if we were to change any underlying investments, we do have to provide a statement of advice piece like this just to illustrate any product changes that we are doing to your portfolio.","start_word":3971,"end_word":4842,"sentiment":"neutral","sentiment_score":0.014565940055603145},{"text":"Okay. Perfect.","start_word":4843,"end_word":4844,"sentiment":"positive","sentiment_score":0.5909135937690735},{"text":"There is, under OQ, a separately managed account, which does sort of allow for them to change the underlying investments, but you get less sort of say in what goes into your portfolio and what doesn't because it's up to the managers of that strategically managed account, what they have in it and what they don't, and you just sort of pull your funds with anyone that is in that strategically managed account. And then they'd sort of regularly update or review that every quarter, and then that changes for everyone in those funds versus, like, your your investments are individual to sorta you even though there are a few portfolios in on their approved product list. If you sorta go, hey. I wanna put, you know, some sort of Tesla or things like that in my portfolios. You have the freedom to do that as opposed to those separately managed accounts where what's in those is purely from the investment committees. They won't change those per year wishes versus, you know, having a fund like this where you do have a little bit more say in what goes in and what doesn't and sort of changes. Like you said, you can go on the the platform and have a little bit of a look at it. If you see something that you're not too fussed about, you don't like it, even if you looked at this report on what we're recommending in terms of it, if you look at that and go, hey.","start_word":4845,"end_word":5098,"sentiment":"neutral","sentiment_score":0.02512170560657978},{"text":"I actually don't want that investment in our portfolio.","start_word":5099,"end_word":5107,"sentiment":"negative","sentiment_score":-0.4279764592647553},{"text":"You have the freedom to be able to, you know, have a conversation without change those investments. Obviously, you know, the portfolios are approved by the investment committee here, so that's a part of, like, the recommendations and the recommendations we make under Oakview. But with that, you do have a little bit of a say if you do want sort of specific sort of shares if they're available or certain holdings should you not want them. Yep. Okay.","start_word":5108,"end_word":5186,"sentiment":"neutral","sentiment_score":-0.021781131625175476},{"text":"Perfect.","start_word":5187,"end_word":5187,"sentiment":"positive","sentiment_score":0.543725848197937},{"text":"In terms of the your current superannuation balance, it just shows you based on the the changes what that might look like.","start_word":5188,"end_word":5209,"sentiment":"neutral","sentiment_score":0.27084657549858093},{"text":"So with the investment change, they're moving that then along to that more passive Australian 200, the the beta shares. It will actually save your investment costs ongoing. And then with that, because of the performance of that Benelong there, it does improve in performance slightly as well.","start_word":5210,"end_word":5257,"sentiment":"positive","sentiment_score":0.4673585096995036},{"text":"Now the main thing with that one, you know, you see, performance is the one thing that's never guaranteed, which is, you know, the probably crap thing about receiving financial advice is nothing sort of guaranteed with the markets, especially what's going on.","start_word":5258,"end_word":5300,"sentiment":"neutral","sentiment_score":0.12733961641788483},{"text":"But with that one at least, you'll have the guaranteed savings that you'll be saving $372 a year and then hopefully get that bit of better performance as well for you. Okay. Perfect.","start_word":5301,"end_word":5333,"sentiment":"positive","sentiment_score":0.5861197113990784},{"text":"As part of that, obviously, you can go into the advantages and disadvantages a little bit more than that. Obviously, at the moment, the main sort of risks associated with the investments at the moment is, you know, when you're buying and selling at the moment with it is so volatile, you do sort of get, you know, those those dips and highs that when you're sort of out of the market, you may miss, like, potential growth upside peaks. With that, if it was to go down in that time, you do get the benefit of buying it at a lower cost. Same with in regards to putting that money into an investment now. Obviously, the markets are a little bit more volatile. They have taken a little bit of a a dive, and then there's some peaks in there along the way as well. But if you're happy to ride out the volatility for at least over the next sort of six or so months where, you know, the the wall may continue and prices may soar in regards to certain things, they might sort of dip in regards to how things are progressing with their growth over that time frame. But if you're sort of happy investing, you know, that longer term sort of eight to to ten year mark with this investment, it shouldn't affect you too much in the long term in terms of, like, how the world reacts to wars. Funnily enough, although it does cause, like, short term volatility, it's not much like COVID where the effects are felt, like, as long term as those COVID type events. You do see that, you know, wars, Middle East, things like that, they do cause those blips on the the investment radar and what terms of, like, what does occur. But over the long term, the markets tend to recover quite quickly in terms of, like, the the returns and how they sort of return. Much like with Trump and his tariff talk at the start of the year, you saw how much they affected the markets in terms of, like, how much it did drop. But, you know, three months later, it's back and above where that dip did occur, and it's still on the the rise, if that makes sense. Yep. It does. Yes. I was watching that. Hasn't gold gone up a lot just recently too because of the war or Yeah. As as I said, sort of when or it at is the sort same of negatively time? correlated in terms of, like, what does occur, Yep. people tend to to go back to those harder currencies during that time frame. I do believe gold, because it was a bit of an all time high, there was a few sort of dips along the way there as well. But as a whole, it has sorta, you know, as a result of that, gone up a little bit in terms of that. I wouldn't say it's, like, skyrocketed much like it has over the past few years. But with that, it sort of I believe towards the end of last year, because it fell from its peak, it sort of took a bit of a dive, and then it's sort of trickling back up given what's happened over the start of the year there as well. But not to the extent that it did towards, you know, back back end of sort of 2024, 2025, where it did take a real big jump up in terms of, like, the price and what it was. Yeah. But, yeah, in saying that you will hold that as a portion of your your investment as well, which does help. Yeah. All I know is my dad's selling all of his right now. Oh, he's retired and he's in his seventies and he's went bugger. Good enough to sell now. Yeah. The problem is too is, like, when you are looking to retirement, that's when it sort of affects your portfolios more. I'd be a little bit more hesitant sort of if you were, like, you know, 58 and putting this as a portion of your retirement savings that you were saying to look to draw down on as well just because of the fact of where the markets are at the moment. But given, you know, you've still got plenty of sort of working life behind you, obviously, you wanna sort of look at potentially, you know, early retirement.","start_word":5334,"end_word":6087,"sentiment":"neutral","sentiment_score":-0.04192704869192143},{"text":"The good thing about having a business is sometimes you can step away and still have those in income that is coming in whether or not it's the same, but, you know, having employees that can still do some of the work for you and sort of doing transition to retirement, things like that as well. So you do have a little bit more flexibility in that sense.","start_word":6088,"end_word":6155,"sentiment":"positive","sentiment_score":0.39358484745025635},{"text":"Your portfolio as a whole, because it is a bit more defensive with that balance growth within your superannuation, has been traveling quite well as opposed to, you know, some other other higher growth because they do have those more exposure to growth assets, which funnily enough is sort of, you know, those more defensive portfolios tend to do better when those sort of events do occur. So over twelve month period, your superannuation's at, like, 11.9%, which is up there in par with sort of high growth portfolios. With the with the changes there as well, with that a 200, it removes the underlying investment that isn't performing over the next sort of twelve months. And, hopefully, you do see a little bit more growth with that now being out of it. With the one being in the growth with that individual investment that we are recommending, like I said, you probably likely see a lot more volatility in that than you do in your superannuation. It's just important that, you know, you do hold through those sort of fluctuations if you are planning on investing for that longer term period. Yep. I have to West Helena. Yeah. It's yeah. You just gotta be mindful to to not sort of panic sell and things like that. Obviously, we do make adjustments if things sort of were continuing on. With that, you can call up at any time. If you did have concerns, can talk about it and have conversations around it. And at any point, you can be like, I do wanna look at sort of transitioning out and things like that as well, and we can try and build some strategies around the best way to do that possible as well. Yeah. I'm not wanting to panic too much.","start_word":6156,"end_word":6456,"sentiment":"neutral","sentiment_score":0.11733415950572372},{"text":"Yeah. And you've got yourself in a good position that, you know, with the the house a 100% offset, you know, a decent balance in your your superannuation plus a nice income from your business there that realistically you can afford to, you know, be able to to hold through those investments where you're likely not to need that in the event that something did go go wrong because with that considerable savings as well.","start_word":6457,"end_word":6531,"sentiment":"positive","sentiment_score":0.5216304659843445},{"text":"Yeah. But do you have any questions in regards to that, Michael, with the the investment recommendation or the the superannuation update there? Not really. No. It is I locked a yeah. I locked the idea of moving what do you call it? Panel on? Yep. Get yeah. rid Getting of it. rid of Yep. it. Yeah. Yeah. Like I said, selling low, buying high is a bit of the cardinal sin, but when they sort of do the metrics and have a look at it long term, they just don't have as much conviction in it. So they're just looking at changing it now and just using it to Yep. offset some some losses some gains moving forward with those those losses. But these only temps in your portfolio, so it's not like it's, you know, taking a a huge chunk out of it, which is which is nice at least, which is how you want those sort of active investments to work. That when they're doing good, you get nice, but a little growth extra and outperform the market a tiny bit potentially.","start_word":6532,"end_word":6716,"sentiment":"neutral","sentiment_score":-0.017067713662981987},{"text":"Whereas, you know, when they do take a bit of a dive, it's not too fantastic. And Ben along over the past couple years haven't been doing the best in terms of, like, what their sort of goal was in terms of returns.","start_word":6717,"end_word":6759,"sentiment":"negative","sentiment_score":-0.4008946120738983},{"text":"So with that and what did occur, they just, yeah, wanna move away from it. In regards to that investment hybrid there as well, as I said, we'd be looking to change that in the future. With that one, though, we can sort of keep it because it is sort of available Yep. for the the next few years there at least as well. And then we'll probably look at changing that for an alternative, whether that's through, like, a a recommendation or just an ROA to the record of advice to change that to an alternative product that matches up with what it's currently in just because purely the fact that they they won't be available after 2032. Yep.","start_word":6760,"end_word":6879,"sentiment":"neutral","sentiment_score":0.06023340206593275},{"text":"No problem.","start_word":6880,"end_word":6881,"sentiment":"positive","sentiment_score":0.3660764694213867},{"text":"Obviously, have a chance to have a read through that, you know, do a bit of your own research. The appendix there does have links to all the investments that are recommended just to be able to have a look through that, see how you feel about it, and then sort of go right with the the risks. Obviously, you know, we did consider those few alternatives, so feel free to you don't have a think, see how you feel about that.","start_word":6882,"end_word":6963,"sentiment":"neutral","sentiment_score":0.2899389863014221},{"text":"Obviously, being on the one platform, as I said, you do get the benefits of it all being in, you know, one stop shop, all your reporting, things like that, in addition to the fact that you do save on administration costs as well.","start_word":6964,"end_word":7007,"sentiment":"positive","sentiment_score":0.510734498500824},{"text":"So likely that the fees charged for admin moving forward will be less than what's outlined. In regards to the adviser fee, as I said, they are looking at doing that fixed fee. So in terms of what does come out because of the funds under management at that cap, so it'll be 4,950 for for each fund for managing of that fee. Yep. Until such time that they change the fee structure, it will stay at that fixed fee amount as long as you sort of balance, you know, stays above that 600,000. If you were to withdraw a large chunk of your sort of individual investment there moving forward. The next sort of interview, they'll they'll adjust the fee to make sure that you aren't sort of getting charged as much if you were to follow that 600,000. And then because we do receive an ongoing for your MLC insurances, we'll just disclose that fee there as well. It's not an additional cost to you. It's just what MLC provide us for monitoring and maintaining that policy.","start_word":7008,"end_word":7186,"sentiment":"neutral","sentiment_score":0.1677656955392667},{"text":"We just outline it because it is a remuneration that we do get from that premium that you do pay.","start_word":7187,"end_word":7206,"sentiment":"positive","sentiment_score":0.37175217270851135},{"text":"Does that make sense? Yep. What's the amount of say, insurance cover? Yep. I'll just bring up the the exact amount that the the last time. Bear with me.","start_word":7207,"end_word":7235,"sentiment":"neutral","sentiment_score":0.022928550839424133},{"text":"Because when I'm looking at some of the insurance on there, I think I've got doubled up. So I'm gonna have to close some other ones.","start_word":7236,"end_word":7261,"sentiment":"negative","sentiment_score":-0.34598004817962646},{"text":"Have you But got not other not not insurances with you guys. there as Yeah. well? Yeah. I don't think I've ever closed ones I've had prior. So Okay. I'm obviously paying, you know, more than I need to do. Yeah. Because it's because, obviously, we haven't spoken before. I'd sort of did your your last review there, and I wasn't aware that you still had external insurances with that one. So I'm just trying to find his certificate of currency without having to to log in. Looks like I'm gonna have to log in quickly. So what cover do you hold? Like, do you have certain business covers or, No. like, It's actual just personal. personal? Would you mind, like, sending through those certificates of currency for me so I can have a look at those and what cover you do have? Yeah. I have to find them because they're direct debit out of my account. Okay. And there's Yep. a a few of them. I was just tracking it the other week. What the hell? Have I still got that? Let me just double check. So I'm just waiting for it to load up. Sorry. Yeah. I've got one in the post the other day, see. I've had a tell me to do this more to do list. So I'm just bringing up your policy, so I'm not just making up figures. So MLC did become a sender, and you do have the life cover for five hundred and twenty five thousand and total permanent disability for the the the same amount there of five hundred and twenty five thousand as well. Yep. I was saying it somewhere. I only I know where I Yeah. I believe they do like, at the top saying there list what insurances you do hold on that same advice. I was just making sure that it it. was correct, like, and when it comes to your current situation under your details there. Yeah. I'll just notice when I was scrolling through. Yeah. So on On page nine there, you'll see Yep. that MLC, That's it. yeah, cover that you do have there as well, and those figures are accurate from what I'm looking I at call. there.","start_word":7262,"end_word":7636,"sentiment":"neutral","sentiment_score":-0.025637373904387157},{"text":"My dog's being annoying. He doesn't like me talking on the phone. Okay. Too much attention away from him.","start_word":7637,"end_word":7655,"sentiment":"negative","sentiment_score":-0.5894871950149536},{"text":"Yeah. And so you've got policy that is in that MLC or like a sender, maybe named different when you get sort of reviews in the mail. You have a direct debit that pays Is that straight to MLC, direct debit from my personal account, or is that through paid through the super? Yeah. I believe that one's through super rollover for that Yeah. one. So I might have two of those. Oh, I've got a lot oh, cover with t a l. Oh, you've got a towel policy as well. Yeah. Personal one. Yeah. I'll have to get a look at that. Yeah. Can you send through that detail as well? That's the ticket of currency if you can get a copy of that one, and we'll have a a look at that and see what you're covered for. And then we'll review your insurances as part of that because, obviously, I was only aware of that MLC one that you did have there. No. I didn't realize, yeah, as I was going through the bank thinking what the what is all that. Because I thought So don't I did close them, but, obviously, I didn't. Yeah. yeah. I'll I'll have a look at once you sort of send that through what your original advice was and if that was to to cancel or not if they were aware of that one or if it was a separate Yeah. one. They I remember we when I initially set up, we spoke about it and, yeah, get rid of some and and hate rather than doubling up. Okay. Yep. K. I'm That just was a gonna while have a ago. yeah. Because depending on Lifecom, I'm not too sure what did occur. Like, they'll either, like, write you a letter to the sign and send off to be able to cancel those, or if you'd happy canceling himself, they just leave it with you. Obviously, they should probably check up in regards to that, your next interview, if you do have them or not. Yes. But I'm just having a look through that statement of advice. I'm just having can't see any mention of a a towel policy. No. I think it changed Grant because it was through, like, Saint Because George. MLC became like a sender. And if you had oh, yeah. St. George, there's sometimes the underwriter. Like, people will take over policies, Yeah. Yep. and that might have been taken on the old St. George policies that they no longer offer, and they sort of been grandfathered. It says what it does say on here is your home loan protection renewal summary for life cover, Oh, okay. So it but might the be product more of name like a is home loan. life life cover. Yeah. Okay. So it might just be, like, attached to your home loan and the what's remaining on the home loan in terms of, like, if you were to pass, it would like, a mortgage type cover, it would cover the remainder of your mortgage. I have seen a few of those previously, but if you don't mind sending that through, Michael, we'll have a look at it and just confirm what type of policy it actually is and then have a conversation with you, see if you do wanna hold it or not. Yep. Yep. So I don't No have a well, I do have a home loan, but problem.","start_word":7656,"end_word":8234,"sentiment":"neutral","sentiment_score":-0.06068872987246061},{"text":"I don't have any money owing on it. Yeah. So it might sort of be null and void in the sense that, like, you're only covering for money that, like, you could essentially just pay off anyway should anything do go wrong.","start_word":8235,"end_word":8276,"sentiment":"negative","sentiment_score":-0.4228340685367584},{"text":"Plus you do have the life cover with MLC or a sender depending on the name that you see. They have obviously changed that as well. Yeah. Do you have the info at OQ Financial or just my personal Yeah. I've got the email you just email sent there? me. Probably don't reply to that one just because it's linked to that Odoo. I don't know how that sort Yeah. of returns. Okay. So if you just respond to, like, a info@oqfinancial.com.au, or you can send it to my personal, which is kyle, khyl,@OakviewFinancial.com.au. Yep.","start_word":8277,"end_word":8371,"sentiment":"neutral","sentiment_score":-0.004606032278388739},{"text":"Perfect.","start_word":8372,"end_word":8372,"sentiment":"positive","sentiment_score":0.5328472852706909},{"text":"Once it sort of comes through, we'll have a a look through that and just to see if it's what type, as I said, policy it is, if it's worth keeping or not, you might sort of, yeah, just look at removing it. But with that, if you do want us to review everything entirely, we can do that, provide another advice piece. Otherwise, we can give you some general information and do sort of just a general information. You can make a decision off that depending on how long you wanna wait for another advice document, if that makes sense as well. Yep.","start_word":8373,"end_word":8476,"sentiment":"neutral","sentiment_score":0.1252509504556656},{"text":"Perfect.","start_word":8477,"end_word":8477,"sentiment":"positive","sentiment_score":0.43901562690734863},{"text":"But Alright. do you have any other questions in regards to the advice piece at all today, Michael? Alright. Hello. Hello.","start_word":8478,"end_word":8498,"sentiment":"neutral","sentiment_score":0.14879168570041656},{"text":"It's good to me. Perfect. Have a chance to read through it, see if you're happy with everything.","start_word":8499,"end_word":8516,"sentiment":"positive","sentiment_score":0.48595479130744934},{"text":"There is the fixed fee arrangement for your superannuation. Once you were to be, like, happy with that or not, because they do require, like, bank details and how you would deposit it, they'll just contact you once you were to sign that document. They'll organize the actual application for the IDPS, add the bank details, everything like that, get that signed, and get that on the way as well as part of the implementation once you were to sign the document or not. Yep. I'm pretty sure Perfect. where I've got it sitting. I can't transfer out of that. I've gotta put it into a banking spending account and then not transfer from there. Yeah. So sometimes, like, just to open it, you can just sort of do a certain fee and then be able transfer with the details from that as well. But that'll be able to explain all that and sort of the options Yep. you do have in terms of, like, the direct debits and things like that, whether or not you do, like, the full amount upfront or whether or not you sort of, you know, open the account with x amount and then sort of just transfer the rest in at a later date when you've got all the details and everything. Yep. Okay.","start_word":8517,"end_word":8736,"sentiment":"neutral","sentiment_score":0.14156306873668323},{"text":"Not a problem.","start_word":8737,"end_word":8739,"sentiment":"positive","sentiment_score":0.37154620885849},{"text":"Because, yeah, there's not an upfront fee with that account anyway. So with that, it's just the ongoing, and that'll be charged just like a flat monthly amount, which won't fluctuate with the market. So it'll just be set for getting up to that fee for the twelve month period. But if you don't have any questions for me there, Michael, as I said, have a bit of read through, see if you're happy with it. Otherwise, I'll let you get back to you in your morning.","start_word":8740,"end_word":8826,"sentiment":"neutral","sentiment_score":0.22009198367595673},{"text":"Thanks for your time today. Yep.","start_word":8827,"end_word":8832,"sentiment":"positive","sentiment_score":0.6426771879196167},{"text":"And if I'm all happy, how do I proceed? Just sign it? Or Yeah. Just click that link, sign the document. Once they get yep. that and sort of action that, they'll get in contact with you to arrange that application.","start_word":8833,"end_word":8873,"sentiment":"neutral","sentiment_score":0.20535877346992493},{"text":"Okay. Cool. Not a problem at all, Michael. Well, thanks for your time. If you have any questions, shoot us an email, give us a call. And when I see your email come through with that insurance information, I'll give it a look for you there. Thank you very Bye. much. No problem at all. Enjoy the rest of your day, Michael. Thanks. You too. Bye.","start_word":8874,"end_word":8939,"sentiment":"positive","sentiment_score":0.5139581561088562},{"text":"Bye.","start_word":8940,"end_word":8940,"sentiment":"neutral","sentiment_score":0.30803945660591125}],"average":{"sentiment":"neutral","sentiment_score":0.06711143929192467}}}}