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Is now still a good time for you? Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Yep. Great. Perfect. That's exactly what I have here. Now I know that you have spoken to my colleague Tommy before, but he's unfortunately off sick today. So, hopefully, you're okay for speaking with me today. Mhmm. Now I believe you had a couple of questions in regards to potentially accessing super two by a property or something like that. Yeah. And in in which way are you thinking or what are you, I guess, hoping to achieve? Okay. Yeah. Mhmm. Yeah. Yeah. Let me have a look. So if I I start with property first, then we can definitely deep go into your superannuation, a little bit more and see how that's tracking or if you wanna make, you know, a bit of a review of your situation to see where things are at. But if we start with property, so there are basically two ways that you can utilize super for property. It depends on which way you are looking at. Now the if you are wanting to buy a property yourself, or is it more for an investment property you are thinking? Yep. Okay. So for yourself, there would be, there's only one way you can utilize superannuation to buy a property for you, and that is through a scheme that's called the first home super saver scheme. Have you ever heard of that before? First home super saver scheme. Yeah. Yeah. So what it is is that it kind of allows you to save for your first property. Now you never owned the property before? You did? Okay. Because that means that you won't be able to utilize it. They do have quite a few restrictions on utilizing this scheme, and and the eligibility is that you're a first home buyer, and you have never owned a property in Australia before. Yes. It still unfortunately means that you can't utilize that scheme. It's only designed for buying your first property, whether that would be, you know, a land or anything like that, investment property. If you bought a a property before, it means that you can't utilize the scheme. That is the restriction, the legislation for the scheme. Even so, it's quite limited that even if you were eligible, it is still quite limited on what you can use. So you can only take up through a maximum of 15,000 in each financial year up through a max of 50, and it's only utilizing extra contributions that you've used into super. So it is quite limited in in that way. But if you unfortunately have owned a property before, even if it was, you know, five, ten, or even if it, you know, was thirty years ago, you wouldn't be able to use it, unfortunately. It's only if you bought your first ever home. Yep. So if it is for an investment property, the only way that you can utilize superannuation is through a self managed super fund. Have you heard of that before? Yeah. So it is it is quite it is quite a different structure to superannuation in that it's for you to manage yourself. So you will be the trustee of the superannuation fund. You would have to comply with all the legislation and the ruling and everything like that. So it's quite it is quite complex. It's great for some people, but it's definitely not for everyone. And it's also very, very expensive to set up. And also all the running costs associated with a self managed super fund because you have to get a yearly audit and reporting and accounting with it. Now, typically, as well, to even make it cost affordable, says that you need at least a minimum of 250,000 in super, and some even says 500,000 in super to even make it, you know, affordable for fees. Yeah. So maybe something down the track, but I think where we are at at the moment, the the self minute super fund, I wouldn't suggest because it would just basically take away all your superannuation and retirement savings with the fees alone. If any no. That's okay. Obviously, if anything is something that we're always keeping an eye on, though, see if there's any other schemes of legislation that change, I'll definitely keep it in mind for you. But, yeah, at the moment, there is only those two, unfortunately. And now if we're looking at your superannuation as well, now do you often go and have a look at your superannuation? Yep. Okay. Perfect. Now let me go into your account here quickly. Now at the moment, as of today, you have a hundred and twenty thousand and nine hundred and five. And you said that you migrated from somewhere else about ten years ago, did you say? Yeah. Perfect. And where where was where did you migrate from? Oh, nice. And did you get any super or anything over there, or does it work quite differently? Yeah. I definitely know that. Yeah. Yeah. And you've done pretty well in just ten years, to be fair, because I was in a very similar situation. I moved to Australia about thirteen years ago now from Sweden, and I had to start completely fresh as well. And the system works very differently, and it can be very confusing. But if you've kind of only been doing it for ten years, really, where you are at right now, it's actually doing pretty good, especially if you've only been doing it for ten years. Like, we have some clients in a similar age to you that have similar balance to what you have now, and they've been working since they were, like, 18 and stuff. So a lot of it does come into play with how your money is invested, what your income is to oversee your employer contribution, and then also the additional contributions that you are making. But what I can for you, if you would like, because it's been a little while since you had an, you know, an updated SOA and a bit of review of where you are tracking at, that if you would like me to, I'm happy to do some research on your superannuation just to see, obviously, your investments and how things are going, and then do kind of an updated projection to see, you know, where things are at at the moment, if you would like me to do that. Yeah. Yep. Yeah. No. It's actually done like, for only being ten years, you've done pretty good both, you know, where you where your super's at, which is actually very good in in ten years. So things are, I think, as well because, obviously, you have you're super invested in a high growth portfolio. You are making extra contributions, which does make a big difference. And with with time as well, it's it's definitely compounding. So it has done, you know, pretty good the last couple of years, which is great, and you're doing all the right things to kind of boost it. But it is always good to review your investments, especially because there's been a lot of changes in the market and the world the last couple of years and definitely more recently. And I did so it's always good to do. And I did have a look at your portfolio Overall, most of your investments have done pretty good, but there is one particular investment that has underperformed, which I would like to look at changing if you were happy to do so. Now yeah. Mhmm. Yes. So we do everything, but has to be with your consent. So for us yeah. So so we we will definitely we manage all the investments on your behalf. So that's definitely what we do. We do the research, and if we obviously foresee that there is one investment so right now, we have done the research, and one of the investments that we currently have you in, I would like to look at changing. Historically, it has done well. So when he came on board, it's done really well. But at the moment, right now, it's kind of underperforming. So we would like to to to look at swapping that for you. So so from from from today, I will go and do some research on your investment. I will then put together a a plan for you, and then I will run that through with you, and then you can decide if you would like to go ahead with the change. Yep. Yeah. No. We do that. And I do wanna also let you know, I'm not sure if you have read our newsletter or anything like that recently. Yeah. So I do wanna check with you as well. I'll go and do the research regardless, but we have recently merged with BlackRock, which you may have heard of, say, one of the biggest investment managers, and created something that's called a SMA. So that one is a little bit different. It is a self managed account. How that one works is at the moment, if you go into hub twenty four, you will see all your individual investments. You have full oversight of everything. And if we wanna go and make a change, like we're looking at potentially doing now, we will go and do the research, put together a plan for you, and then you will have to let me know. Yep. Okay. I'm happy with that change. Then we can do it. So it's a bit more compliance and paperwork behind it. The SMA works a little bit differently because that basically says that you are invested in a portfolio. Now in that portfolio, we can then chop and change investments very quickly if we feel like it's the right thing for you without having to go through kind of, like, the the lengthier research process. So we can do it all very quickly in the back end, which is good especially if there are things that are changing quickly. It speeds up the compliance process. The only thing yep. Okay. So I'll consider that option for you as well because it does make it a bit quicker, especially that we can do those a bit more of the active management for you quickly. And it's with BlackRock and the investment committee, which are massive. So I'll have a look at that for you. As long as you are comfortable, you know, with us kind of making those changes in the back end, you will still be notified of all the changes, of course, but we can do it a bit quicker for you. Yeah? Yep. Perfect. Now I do wanna confirm as well that at the moment, we have you in a high growth portfolio. So with the SMA, there are still a lot of different investment options that we can choose from. Now a high growth portfolio is that you are obviously wanting to maximize growth as much as possible while you do have, you know, plenty of time until retirement. You are kind of comfortable seeing a bit of fluctuations short term in order to try and grow your super more long term. And, typically, we see about 90% invested in what we would call your growth investments. So that is your Australian equities, your international equities, and property and commodities, and that is ultimately what's going to maximize that growth for you. And then we have about 10% in defensive investments, like your cash, your gold, your fixed interest, for example. And when we are looking at a a time frame, so making sure that you have enough time in the market for those fluctuations, in a high portfolio, we do wanna allow at least eight years until retirement. So it's definitely suitable for you from a time frame point of view. If you are still comfortable with the same kind of risk profile allocation, Just look to change a few things. Are you still comfortable with the high growth portfolio? Yep. Great. Perfect. And then yes. How, potentially? Yes. Mhmm. Yes. Mhmm. Okay. Yes. I do have. Yeah. Okay. Okay. Yeah. Well, what I can do because I did have a note actually wanting to talk to you about it because I did have a look through your file. And I think at the time, I think it was around November or so, I think the only reason why we didn't proceed with it because I think you were waiting for, like, a a tonsil surgery or something, quite minor, at the time. And like you said as well, if you've been offered for three years now and you don't have any other health issues, we can definitely go down and look at your insurance at the same time if you would like. Yeah? Yep. Perfect. Now with insurance, there's a couple of options I do wanna run through with you just to make sure I can get what you would like. You have your life cover. So life cover, pretty straightforward. It's obviously if something were to happen to you, that would then be left left to your loved ones. So at the moment, you have about 215,000 worth of life cover. Do you have any amounts that you would be comfortable with that you would like me to look at for life cover? Completely separate. So life cover, it's completely separate. It's a different company. Now you can basically get whatever amounts you want, whatever is important to you. So some people, if you don't know how much you need, I start with asking, okay. Well, if something were to happen to you, what do you want to have happen? Now do you have any debts that you would like to be, you know, cleared for your family? Do you have any Do you have any personal loans, or do you owe anything like a car loan, or do you have any debts that you would like? Yes. At how much is on the car loan roughly? Do you know? About 45. And how much is the car worth? Do you know? About 60. Okay. Perfect. Do you have any personal loans or anything like that yet? And do you know roughly how much you have? Oh. About 45. Perfect. And any other loans or anything like that? No. Okay. So would you like your car loan and the personal loan, like, paid out if something were to happen to you so that doesn't have to be left for your family? Yep. Okay. Now on top of that, do you want anything allocated for, like, funeral expenses as well? No? Okay. Do you want any, you know, income replacement for your family? So this is still talking about life cover, but, obviously, if something were to happen to you, your household won't have your income. So sometimes what people allocate is a couple of years' worth of your income replacement to give that kind of, you know, financial support to your family. Do you want me to look at, you know, covering a couple of years worth of income so if you were to pass away to give that buffer to your family a little bit? No? Okay. So at the moment, if we're only looking at covering you for for your debt, that's only about 90,000. And at the moment, you have about 215,000. For for life, it's fine. It based on what you are telling me. Yeah. Mhmm. Okay. Let's have a yes. Yeah. So $2.15, and now I have the premium through. You have you live, but then you also have TPD, which is total permanent disability. Now you have the same amount of 215,000. This cover is different because this one is designed for if something were to happen to you and you cannot go back to work. So if you are totally or permanently disabled, then you can never go back to work again. It is a lump sum payment paid out to you to obviously assist you if you can't work. So a lot of people find this one, you know, because it can have a bigger financial impact because, obviously, you're still around. There's still expenses, might be medical expenses and stuff, but you won't have an income. So you also have 215,000 worth of that cover for you. Now, obviously, 215,000 would obviously help, but, obviously, if you can never go back to work again, it would probably run out fairly quickly as well. For both those covers, you are currently paying a $159, so it's quite cheap per year Per year. So if you're only paying, I think, is, like let me triple check your account actually while I'm here. But it's quite cheap. But if you feel like it's not enough, I can look at adding more cover or replacing it. So, yes, you're only paying $13.26 a month. So that is a 100 and fifth yeah. 159 a year. So it's very cheap of what you have. Are you quite happy with those amounts for those type of covers? Yep. Now the other there are two other policies that you don't have that I'd just like to check with you if it is something you want me to look at or not. Now one of them is income protection. So income protection have you ever heard of income protection before? Yes. So that's obviously designed to replace your income if you are temporarily unable to work. So it's not a lump sum. It is a monthly replacement while you can't work. Now income protection can cover up to 70% of your income. It's not something you have. Yes. Now you have with the income protection, there's two different features. So you have a waiting arrears. So what that means is that, paid thirty days in arrears. So what that means is that if you have a thirty day waiting period, you will start getting that income replacement after about sixty days. Is that something you feel like you would like me to look at for you, or what are your thoughts on income protection? Yep. That's the cost and stuff. Yep. Mhmm. There there are conditions. So if you are unable to work due to illness or injury. So let's say if you are just in between jobs or been made redundant or something, it won't cover you then. It is just if you can't go back to work because you have an illness or an injury. So something's happened and you can't go back to work for a while. That's how that works. No. That's okay. Now the last cover, it's one that's called a trauma insurance. Have you ever heard of trauma insurance before? No. Trauma insurance is quite different that it's designed to cover you for traumatic events. So the biggest one we see are cancer, stroke, heart attack, different neurological conditions. Now this is a lump sum payment paid tax free to you directly. So let's say, for example, you have a bad heart attack and you go to hospital, it will be give you that lump sum payment. Or if you get diagnosed with any neurological conditions or anything like that, you will then be paid out a lump sum payment. So it's kind of an insurance policy to cover you that. The only thing with the trauma policy is that you can't have it paid from within superannuation. It is one you have to pay for out of pocket. Yeah. Yep. Yep. Okay. You know yeah. Now if anything does change, you know, down the track and you ever wanna, you know, revisit it, always let us know. We can always look at or, you know, if down the track you do buy a property and you wanna increase it to cover mortgage, you know, we can always reassess it for you. Yep. No. That's okay. Now let me see if there's anything else. So with the the super, so I'll have a look at that for you, your investment. I do wanna just triple check as well because, obviously, it's it plays a role on your contribution. So at the moment, I have here that your income is about 135,000. Yep. And your employer, they just pay that standard 12% contributions into superannuation? Like, you don't have a special agreement or anything, just a standard term? Yep. And it's perfect. Yes. And it's it's about a $100 a month in salary sacrifice that you do? Yes. Yeah. What are you looking at changing it to? $2.50? As part of the research, do you want me to show you what's by increasing it to two fifty, what that would do to your super to see how that would change things? Yep. Perfect. So that's $2.50. And that was per month. Correct? Yep. Great. And you guys do have, you know, surplus savings each month that you can, you know, facilitate the increase in the payment. That's okay? Yep. Okay. Great. Perfect. I will look at changing that to $2.50 a month. Contributions. Let me see here. And I do have here that your goals for superannuation right now is just to kinda maximize that as much as possible. And, ideally, you wanna access super when you turn 65 and then kind of draw an income ideally from super when you retire of about 1,250 per week. Is that still all the same? Yep. Or do you think you need more or less? Obviously, it's a bit hard to tell because who knows, you know, when you do that. Yeah. Yep. Well, do you I can I can change it through, like, 1,500 or 2,000? So what do you think is, you know, you would need for for you at the moment? Do you think 2,000 would be a bit more, like, per week, or do you think, like, 1,500? 1,500? Alright. I will update that. Okay. Perfect. Now I +1. Yep. Perfect. So, although I will go and do this research for you. Cool. No. That's okay. Is there anything else you would like me to research or look at for you or just kinda focusing on that for now? Yep. No no problem at all. Now it will take a couple of weeks for me to get this research together. As soon as I do, though, I will give you a call, and I will run through the options, and then you can let me know what you would like to do. No problem at all. I hope you have a lovely afternoon, and I look forward to speaking with you soon again. Thanks. Thanks. You too. Bye. 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morning. This is Veronica from OQ Financial. How are you this morning? I'm good. Thanks.\n\nI no. That's okay. I had you booked you in for a little bit of a catch up. Is now still a good time for you? Yep.\n\nPerfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nYep. Great. Perfect. That's exactly what I have here. Now I know that you have spoken to my colleague Tommy before, but he's unfortunately off sick today.\n\nSo, hopefully, you're okay for speaking with me today. Mhmm. Now I believe you had a couple of questions in regards to potentially accessing super two by a property or something like that. Yeah. And in in which way are you thinking or what are you, I guess, hoping to achieve?\n\nOkay. Yeah. Mhmm. Yeah. Yeah.\n\nLet me have a look. So if I I start with property first, then we can definitely deep go into your superannuation, a little bit more and see how that's tracking or if you wanna make, you know, a bit of a review of your situation to see where things are at. But if we start with property, so there are basically two ways that you can utilize super for property. It depends on which way you are looking at. Now the if you are wanting to buy a property yourself, or is it more for an investment property you are thinking?\n\nYep. Okay. So for yourself, there would be, there's only one way you can utilize superannuation to buy a property for you, and that is through a scheme that's called the first home super saver scheme. Have you ever heard of that before? First home super saver scheme.\n\nYeah. Yeah. So what it is is that it kind of allows you to save for your first property. Now you never owned the property before? You did?\n\nOkay. Because that means that you won't be able to utilize it. They do have quite a few restrictions on utilizing this scheme, and and the eligibility is that you're a first home buyer, and you have never owned a property in Australia before. Yes. It still unfortunately means that you can't utilize that scheme.\n\nIt's only designed for buying your first property, whether that would be, you know, a land or anything like that, investment property. If you bought a a property before, it means that you can't utilize the scheme. That is the restriction, the legislation for the scheme. Even so, it's quite limited that even if you were eligible, it is still quite limited on what you can use. So you can only take up through a maximum of 15,000 in each financial year up through a max of 50, and it's only utilizing extra contributions that you've used into super.\n\nSo it is quite limited in in that way. But if you unfortunately have owned a property before, even if it was, you know, five, ten, or even if it, you know, was thirty years ago, you wouldn't be able to use it, unfortunately. It's only if you bought your first ever home. Yep. So if it is for an investment property, the only way that you can utilize superannuation is through a self managed super fund.\n\nHave you heard of that before? Yeah. So it is it is quite it is quite a different structure to superannuation in that it's for you to manage yourself. So you will be the trustee of the superannuation fund. You would have to comply with all the legislation and the ruling and everything like that.\n\nSo it's quite it is quite complex. It's great for some people, but it's definitely not for everyone. And it's also very, very expensive to set up. And also all the running costs associated with a self managed super fund because you have to get a yearly audit and reporting and accounting with it. Now, typically, as well, to even make it cost affordable, says that you need at least a minimum of 250,000 in super, and some even says 500,000 in super to even make it, you know, affordable for fees.\n\nYeah. So maybe something down the track, but I think where we are at at the moment, the the self minute super fund, I wouldn't suggest because it would just basically take away all your superannuation and retirement savings with the fees alone. If any no. That's okay. Obviously, if anything is something that we're always keeping an eye on, though, see if there's any other schemes of legislation that change, I'll definitely keep it in mind for you.\n\nBut, yeah, at the moment, there is only those two, unfortunately. And now if we're looking at your superannuation as well, now do you often go and have a look at your superannuation? Yep. Okay. Perfect.\n\nNow let me go into your account here quickly. Now at the moment, as of today, you have a hundred and twenty thousand and nine hundred and five. And you said that you migrated from somewhere else about ten years ago, did you say? Yeah. Perfect.\n\nAnd where where was where did you migrate from? Oh, nice. And did you get any super or anything over there, or does it work quite differently? Yeah. I definitely know that.\n\nYeah. Yeah. And you've done pretty well in just ten years, to be fair, because I was in a very similar situation. I moved to Australia about thirteen years ago now from Sweden, and I had to start completely fresh as well. And the system works very differently, and it can be very confusing.\n\nBut if you've kind of only been doing it for ten years, really, where you are at right now, it's actually doing pretty good, especially if you've only been doing it for ten years. Like, we have some clients in a similar age to you that have similar balance to what you have now, and they've been working since they were, like, 18 and stuff. So a lot of it does come into play with how your money is invested, what your income is to oversee your employer contribution, and then also the additional contributions that you are making. But what I can for you, if you would like, because it's been a little while since you had an, you know, an updated SOA and a bit of review of where you are tracking at, that if you would like me to, I'm happy to do some research on your superannuation just to see, obviously, your investments and how things are going, and then do kind of an updated projection to see, you know, where things are at at the moment, if you would like me to do that. Yeah.\n\nYep. Yeah. No. It's actually done like, for only being ten years, you've done pretty good both, you know, where you where your super's at, which is actually very good in in ten years. So things are, I think, as well because, obviously, you have you're super invested in a high growth portfolio.\n\nYou are making extra contributions, which does make a big difference. And with with time as well, it's it's definitely compounding. So it has done, you know, pretty good the last couple of years, which is great, and you're doing all the right things to kind of boost it. But it is always good to review your investments, especially because there's been a lot of changes in the market and the world the last couple of years and definitely more recently. And I did so it's always good to do.\n\nAnd I did have a look at your portfolio Overall, most of your investments have done pretty good, but there is one particular investment that has underperformed, which I would like to look at changing if you were happy to do so. Now yeah. Mhmm. Yes. So we do everything, but has to be with your consent.\n\nSo for us yeah. So so we we will definitely we manage all the investments on your behalf. So that's definitely what we do. We do the research, and if we obviously foresee that there is one investment so right now, we have done the research, and one of the investments that we currently have you in, I would like to look at changing. Historically, it has done well.\n\nSo when he came on board, it's done really well. But at the moment, right now, it's kind of underperforming. So we would like to to to look at swapping that for you. So so from from from today, I will go and do some research on your investment. I will then put together a a plan for you, and then I will run that through with you, and then you can decide if you would like to go ahead with the change.\n\nYep. Yeah. No. We do that. And I do wanna also let you know, I'm not sure if you have read our newsletter or anything like that recently.\n\nYeah. So I do wanna check with you as well. I'll go and do the research regardless, but we have recently merged with BlackRock, which you may have heard of, say, one of the biggest investment managers, and created something that's called a SMA. So that one is a little bit different. It is a self managed account.\n\nHow that one works is at the moment, if you go into hub twenty four, you will see all your individual investments. You have full oversight of everything. And if we wanna go and make a change, like we're looking at potentially doing now, we will go and do the research, put together a plan for you, and then you will have to let me know. Yep. Okay.\n\nI'm happy with that change. Then we can do it. So it's a bit more compliance and paperwork behind it. The SMA works a little bit differently because that basically says that you are invested in a portfolio. Now in that portfolio, we can then chop and change investments very quickly if we feel like it's the right thing for you without having to go through kind of, like, the the lengthier research process.\n\nSo we can do it all very quickly in the back end, which is good especially if there are things that are changing quickly. It speeds up the compliance process. The only thing yep. Okay. So I'll consider that option for you as well because it does make it a bit quicker, especially that we can do those a bit more of the active management for you quickly.\n\nAnd it's with BlackRock and the investment committee, which are massive. So I'll have a look at that for you. As long as you are comfortable, you know, with us kind of making those changes in the back end, you will still be notified of all the changes, of course, but we can do it a bit quicker for you. Yeah? Yep.\n\nPerfect. Now I do wanna confirm as well that at the moment, we have you in a high growth portfolio. So with the SMA, there are still a lot of different investment options that we can choose from. Now a high growth portfolio is that you are obviously wanting to maximize growth as much as possible while you do have, you know, plenty of time until retirement. You are kind of comfortable seeing a bit of fluctuations short term in order to try and grow your super more long term.\n\nAnd, typically, we see about 90% invested in what we would call your growth investments. So that is your Australian equities, your international equities, and property and commodities, and that is ultimately what's going to maximize that growth for you. And then we have about 10% in defensive investments, like your cash, your gold, your fixed interest, for example. And when we are looking at a a time frame, so making sure that you have enough time in the market for those fluctuations, in a high portfolio, we do wanna allow at least eight years until retirement. So it's definitely suitable for you from a time frame point of view.\n\nIf you are still comfortable with the same kind of risk profile allocation, Just look to change a few things. Are you still comfortable with the high growth portfolio? Yep. Great. Perfect.\n\nAnd then yes. How, potentially? Yes. Mhmm. Yes.\n\nMhmm. Okay. Yes. I do have. Yeah.\n\nOkay. Okay. Yeah. Well, what I can do because I did have a note actually wanting to talk to you about it because I did have a look through your file. And I think at the time, I think it was around November or so, I think the only reason why we didn't proceed with it because I think you were waiting for, like, a a tonsil surgery or something, quite minor, at the time.\n\nAnd like you said as well, if you've been offered for three years now and you don't have any other health issues, we can definitely go down and look at your insurance at the same time if you would like. Yeah? Yep. Perfect. Now with insurance, there's a couple of options I do wanna run through with you just to make sure I can get what you would like.\n\nYou have your life cover. So life cover, pretty straightforward. It's obviously if something were to happen to you, that would then be left left to your loved ones. So at the moment, you have about 215,000 worth of life cover. Do you have any amounts that you would be comfortable with that you would like me to look at for life cover?\n\nCompletely separate. So life cover, it's completely separate. It's a different company. Now you can basically get whatever amounts you want, whatever is important to you. So some people, if you don't know how much you need, I start with asking, okay.\n\nWell, if something were to happen to you, what do you want to have happen? Now do you have any debts that you would like to be, you know, cleared for your family? Do you have any Do you have any personal loans, or do you owe anything like a car loan, or do you have any debts that you would like? Yes. At how much is on the car loan roughly?\n\nDo you know? About 45. And how much is the car worth? Do you know? About 60.\n\nOkay. Perfect. Do you have any personal loans or anything like that yet? And do you know roughly how much you have? Oh.\n\nAbout 45. Perfect. And any other loans or anything like that? No. Okay.\n\nSo would you like your car loan and the personal loan, like, paid out if something were to happen to you so that doesn't have to be left for your family? Yep. Okay. Now on top of that, do you want anything allocated for, like, funeral expenses as well? No?\n\nOkay. Do you want any, you know, income replacement for your family? So this is still talking about life cover, but, obviously, if something were to happen to you, your household won't have your income. So sometimes what people allocate is a couple of years' worth of your income replacement to give that kind of, you know, financial support to your family. Do you want me to look at, you know, covering a couple of years worth of income so if you were to pass away to give that buffer to your family a little bit?\n\nNo? Okay. So at the moment, if we're only looking at covering you for for your debt, that's only about 90,000. And at the moment, you have about 215,000. For for life, it's fine.\n\nIt based on what you are telling me. Yeah. Mhmm. Okay. Let's have a yes.\n\nYeah. So $2.15, and now I have the premium through. You have you live, but then you also have TPD, which is total permanent disability. Now you have the same amount of 215,000. This cover is different because this one is designed for if something were to happen to you and you cannot go back to work.\n\nSo if you are totally or permanently disabled, then you can never go back to work again. It is a lump sum payment paid out to you to obviously assist you if you can't work. So a lot of people find this one, you know, because it can have a bigger financial impact because, obviously, you're still around. There's still expenses, might be medical expenses and stuff, but you won't have an income. So you also have 215,000 worth of that cover for you.\n\nNow, obviously, 215,000 would obviously help, but, obviously, if you can never go back to work again, it would probably run out fairly quickly as well. For both those covers, you are currently paying a $159, so it's quite cheap per year Per year. So if you're only paying, I think, is, like let me triple check your account actually while I'm here. But it's quite cheap. But if you feel like it's not enough, I can look at adding more cover or replacing it.\n\nSo, yes, you're only paying $13.26 a month. So that is a 100 and fifth yeah. 159 a year. So it's very cheap of what you have. Are you quite happy with those amounts for those type of covers?\n\nYep. Now the other there are two other policies that you don't have that I'd just like to check with you if it is something you want me to look at or not. Now one of them is income protection. So income protection have you ever heard of income protection before? Yes.\n\nSo that's obviously designed to replace your income if you are temporarily unable to work. So it's not a lump sum. It is a monthly replacement while you can't work. Now income protection can cover up to 70% of your income. It's not something you have.\n\nYes. Now you have with the income protection, there's two different features. So you have a waiting arrears. So what that means is that, paid thirty days in arrears. So what that means is that if you have a thirty day waiting period, you will start getting that income replacement after about sixty days.\n\nIs that something you feel like you would like me to look at for you, or what are your thoughts on income protection? Yep. That's the cost and stuff. Yep. Mhmm.\n\nThere there are conditions. So if you are unable to work due to illness or injury. So let's say if you are just in between jobs or been made redundant or something, it won't cover you then. It is just if you can't go back to work because you have an illness or an injury. So something's happened and you can't go back to work for a while.\n\nThat's how that works. No. That's okay. Now the last cover, it's one that's called a trauma insurance. Have you ever heard of trauma insurance before?\n\nNo. Trauma insurance is quite different that it's designed to cover you for traumatic events. So the biggest one we see are cancer, stroke, heart attack, different neurological conditions. Now this is a lump sum payment paid tax free to you directly. So let's say, for example, you have a bad heart attack and you go to hospital, it will be give you that lump sum payment.\n\nOr if you get diagnosed with any neurological conditions or anything like that, you will then be paid out a lump sum payment. So it's kind of an insurance policy to cover you that. The only thing with the trauma policy is that you can't have it paid from within superannuation. It is one you have to pay for out of pocket. Yeah.\n\nYep. Yep. Okay. You know yeah. Now if anything does change, you know, down the track and you ever wanna, you know, revisit it, always let us know.\n\nWe can always look at or, you know, if down the track you do buy a property and you wanna increase it to cover mortgage, you know, we can always reassess it for you. Yep. No. That's okay. Now let me see if there's anything else.\n\nSo with the the super, so I'll have a look at that for you, your investment. I do wanna just triple check as well because, obviously, it's it plays a role on your contribution. So at the moment, I have here that your income is about 135,000. Yep. And your employer, they just pay that standard 12% contributions into superannuation?\n\nLike, you don't have a special agreement or anything, just a standard term? Yep. And it's perfect. Yes. And it's it's about a $100 a month in salary sacrifice that you do?\n\nYes. Yeah. What are you looking at changing it to? $2.50? As part of the research, do you want me to show you what's by increasing it to two fifty, what that would do to your super to see how that would change things?\n\nYep. Perfect. So that's $2.50. And that was per month. Correct?\n\nYep. Great. And you guys do have, you know, surplus savings each month that you can, you know, facilitate the increase in the payment. That's okay? Yep.\n\nOkay. Great. Perfect. I will look at changing that to $2.50 a month. Contributions.\n\nLet me see here. And I do have here that your goals for superannuation right now is just to kinda maximize that as much as possible. And, ideally, you wanna access super when you turn 65 and then kind of draw an income ideally from super when you retire of about 1,250 per week. Is that still all the same? Yep.\n\nOr do you think you need more or less? Obviously, it's a bit hard to tell because who knows, you know, when you do that. Yeah. Yep. Well, do you I can I can change it through, like, 1,500 or 2,000?\n\nSo what do you think is, you know, you would need for for you at the moment? Do you think 2,000 would be a bit more, like, per week, or do you think, like, 1,500? 1,500? Alright. I will update that.\n\nOkay. Perfect. Now I +1. Yep. Perfect.\n\nSo, although I will go and do this research for you. Cool. No. That's okay. Is there anything else you would like me to research or look at for you or just kinda focusing on that for now?\n\nYep. No no problem at all. Now it will take a couple of weeks for me to get this research together. As soon as I do, though, I will give you a call, and I will run through the options, and then you can let me know what you would like to do. No problem at all.\n\nI hope you have a lovely afternoon, and I look forward to speaking with you soon again. Thanks. Thanks. You too. Bye.\n\nBye.","paragraphs":[{"sentences":[{"text":"Good morning.","start":4.7999997,"end":5.3599997,"sentiment":"positive","sentiment_score":0.37878480553627014},{"text":"This is Veronica from OQ Financial.","start":5.3599997,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.3266345411539078},{"text":"How are you this morning?","start":7.3599997,"end":8.5,"sentiment":"neutral","sentiment_score":0.26500932574272157},{"text":"I'm good.","start":10.08,"end":10.88,"sentiment":"positive","sentiment_score":0.5366761088371277},{"text":"Thanks.","start":10.88,"end":11.38,"sentiment":"positive","sentiment_score":0.6310812830924988}],"sentiment":"positive","sentiment_score":0.3591785617172718,"num_words":16,"start":4.7999997,"end":11.38},{"sentences":[{"text":"I no.","start":12.16,"end":13.84,"sentiment":"neutral","sentiment_score":0.3248222693800926},{"text":"That's okay.","start":13.84,"end":14.66,"sentiment":"neutral","sentiment_score":0.1214478611946106},{"text":"I had you booked you in for a little bit of a catch up.","start":14.799999,"end":18.295,"sentiment":"neutral","sentiment_score":0.1696840301156044},{"text":"Is now still a good time for you?","start":18.295,"end":19.994999,"sentiment":"neutral","sentiment_score":0.20875686779618263},{"text":"Yep.","start":21.015,"end":21.494999,"sentiment":"neutral","sentiment_score":0.16150885820388794}],"sentiment":"neutral","sentiment_score":0.1888770549385636,"num_words":27,"start":12.16,"end":21.494999},{"sentences":[{"text":"Perfect.","start":21.494999,"end":21.994999,"sentiment":"positive","sentiment_score":0.3348884880542755},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":22.775,"end":31.099998,"sentiment":"neutral","sentiment_score":0.06294549847471304},{"text":"Yep.","start":32.6,"end":33.1,"sentiment":"neutral","sentiment_score":0.16364166140556335},{"text":"Perfect.","start":33.16,"end":33.64,"sentiment":"neutral","sentiment_score":0.30982673168182373},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":33.64,"end":40.695,"sentiment":"neutral","sentiment_score":0.0884667276762999}],"sentiment":"neutral","sentiment_score":0.085067435456761,"num_words":58,"start":21.494999,"end":40.695},{"sentences":[{"text":"Yep.","start":47.715,"end":48.035,"sentiment":"neutral","sentiment_score":0.11633604764938354},{"text":"Great.","start":48.035,"end":48.275,"sentiment":"positive","sentiment_score":0.5244656801223755},{"text":"Perfect.","start":48.275,"end":48.755,"sentiment":"positive","sentiment_score":0.550632119178772},{"text":"That's exactly what I have here.","start":48.755,"end":50.614998,"sentiment":"positive","sentiment_score":0.5050360957781473},{"text":"Now I know that you have spoken to my colleague Tommy before, but he's unfortunately off sick today.","start":50.915,"end":56.84,"sentiment":"neutral","sentiment_score":0.0009327992382976743}],"sentiment":"neutral","sentiment_score":0.15697928918180643,"num_words":27,"start":47.715,"end":56.84},{"sentences":[{"text":"So, hopefully, you're okay for speaking with me today.","start":57.46,"end":60.120003,"sentiment":"neutral","sentiment_score":0.1280081851614846},{"text":"Mhmm.","start":61.620003,"end":62.120003,"sentiment":"neutral","sentiment_score":-0.034231215715408325},{"text":"Now I believe you had a couple of questions in regards to potentially accessing super two by a property or something like that.","start":62.74,"end":70.185,"sentiment":"neutral","sentiment_score":-0.03258385614532491},{"text":"Yeah.","start":71.445,"end":71.945,"sentiment":"neutral","sentiment_score":0.018567491322755817},{"text":"And in in which way are you thinking or what are you, I guess, hoping to achieve?","start":72.005,"end":76.745,"sentiment":"neutral","sentiment_score":0.014193869250662187}],"sentiment":"neutral","sentiment_score":0.012319157411362611,"num_words":51,"start":57.46,"end":76.745},{"sentences":[{"text":"Okay.","start":83.35,"end":83.85,"sentiment":"neutral","sentiment_score":-0.060272254049777985},{"text":"Yeah.","start":85.51,"end":86.01,"sentiment":"neutral","sentiment_score":-0.016760822385549545},{"text":"Mhmm.","start":94.07,"end":94.31,"sentiment":"neutral","sentiment_score":-0.0292949341237545},{"text":"Yeah.","start":94.31,"end":94.545,"sentiment":"neutral","sentiment_score":-0.0036747250705957417},{"text":"Yeah.","start":107.265,"end":107.744995,"sentiment":"neutral","sentiment_score":-0.00110541470348835}],"sentiment":"neutral","sentiment_score":-0.022221630066633226,"num_words":5,"start":83.35,"end":107.744995},{"sentences":[{"text":"Let me have a look.","start":107.744995,"end":108.705,"sentiment":"neutral","sentiment_score":-0.007982322946190834},{"text":"So if I I start with property first, then we can definitely deep go into your superannuation, a little bit more and see how that's tracking or if you wanna make, you know, a bit of a review of your situation to see where things are at.","start":108.705,"end":121.4,"sentiment":"neutral","sentiment_score":0.012232018951722917},{"text":"But if we start with property, so there are basically two ways that you can utilize super for property.","start":121.7,"end":128.86499,"sentiment":"neutral","sentiment_score":0.07101893591645517},{"text":"It depends on which way you are looking at.","start":129.72499,"end":132.065,"sentiment":"neutral","sentiment_score":0.09241775174935658},{"text":"Now the if you are wanting to buy a property yourself, or is it more for an investment property you are thinking?","start":132.36499,"end":140.93001,"sentiment":"neutral","sentiment_score":0.009422880385748365}],"sentiment":"neutral","sentiment_score":0.02866094306513083,"num_words":102,"start":107.744995,"end":140.93001},{"sentences":[{"text":"Yep.","start":142.19,"end":142.59001,"sentiment":"neutral","sentiment_score":0.14736126363277435},{"text":"Okay.","start":142.59001,"end":143.09001,"sentiment":"neutral","sentiment_score":0.197613388299942},{"text":"So for yourself, there would be, there's only one way you can utilize superannuation to buy a property for you, and that is through a scheme that's called the first home super saver scheme.","start":143.23001,"end":155.685,"sentiment":"neutral","sentiment_score":0.21560732647776604},{"text":"Have you ever heard of that before?","start":155.98499,"end":157.525,"sentiment":"neutral","sentiment_score":0.04869985766708851},{"text":"First home super saver scheme.","start":160.22499,"end":163.045,"sentiment":"neutral","sentiment_score":0.012999643757939338}],"sentiment":"neutral","sentiment_score":0.1683650203049183,"num_words":48,"start":142.19,"end":163.045},{"sentences":[{"text":"Yeah.","start":165.905,"end":166.2,"sentiment":"neutral","sentiment_score":-0.026052260771393776},{"text":"Yeah.","start":167.72,"end":168.12,"sentiment":"neutral","sentiment_score":0.08279823511838913},{"text":"So what it is is that it kind of allows you to save for your first property.","start":168.12,"end":172.62,"sentiment":"neutral","sentiment_score":0.1613314186825472},{"text":"Now you never owned the property before?","start":172.92,"end":175.01999,"sentiment":"neutral","sentiment_score":-0.007418391960007804},{"text":"You did?","start":177.08,"end":177.73999,"sentiment":"neutral","sentiment_score":0.004338536411523819}],"sentiment":"neutral","sentiment_score":0.09843315789476037,"num_words":28,"start":165.905,"end":177.73999},{"sentences":[{"text":"Okay.","start":178.04,"end":178.54,"sentiment":"neutral","sentiment_score":0.015306634828448296},{"text":"Because that means that you won't be able to utilize it.","start":179.38501,"end":182.585,"sentiment":"neutral","sentiment_score":-0.09710412574085323},{"text":"They do have quite a few restrictions on utilizing this scheme, and and the eligibility is that you're a first home buyer, and you have never owned a property in Australia before.","start":182.585,"end":196.35,"sentiment":"neutral","sentiment_score":-0.1494256070582196},{"text":"Yes.","start":205.05,"end":205.55,"sentiment":"neutral","sentiment_score":-0.16764459013938904},{"text":"It still unfortunately means that you can't utilize that scheme.","start":206.49,"end":209.66501,"sentiment":"negative","sentiment_score":-0.5478964537382126}],"sentiment":"neutral","sentiment_score":-0.2087466782128269,"num_words":55,"start":178.04,"end":209.66501},{"sentences":[{"text":"It's only designed for buying your first property, whether that would be, you know, a land or anything like that, investment property.","start":209.725,"end":218.365,"sentiment":"negative","sentiment_score":-0.3774720003659075},{"text":"If you bought a a property before, it means that you can't utilize the scheme.","start":218.365,"end":223.87999,"sentiment":"negative","sentiment_score":-0.4461462338765462},{"text":"That is the restriction, the legislation for the scheme.","start":224.42,"end":229.95999,"sentiment":"negative","sentiment_score":-0.46945511632495457},{"text":"Even so, it's quite limited that even if you were eligible, it is still quite limited on what you can use.","start":230.65999,"end":237.29999,"sentiment":"negative","sentiment_score":-0.4472524466968718},{"text":"So you can only take up through a maximum of 15,000 in each financial year up through a max of 50, and it's only utilizing extra contributions that you've used into super.","start":237.29999,"end":251.69499,"sentiment":"neutral","sentiment_score":-0.2836062000133097}],"sentiment":"negative","sentiment_score":-0.380700740850333,"num_words":99,"start":209.725,"end":251.69499},{"sentences":[{"text":"So it is quite limited in in that way.","start":252.555,"end":254.84,"sentiment":"negative","sentiment_score":-0.49614690906471676},{"text":"But if you unfortunately have owned a property before, even if it was, you know, five, ten, or even if it, you know, was thirty years ago, you wouldn't be able to use it, unfortunately.","start":254.84,"end":266.94,"sentiment":"negative","sentiment_score":-0.4789584108761379},{"text":"It's only if you bought your first ever home.","start":267.32,"end":270.205,"sentiment":"negative","sentiment_score":-0.4105265670352512},{"text":"Yep.","start":273.06497,"end":273.38498,"sentiment":"neutral","sentiment_score":0.07225125283002853},{"text":"So if it is for an investment property, the only way that you can utilize superannuation is through a self managed super fund.","start":273.38498,"end":283.18,"sentiment":"neutral","sentiment_score":0.06817182477401651}],"sentiment":"neutral","sentiment_score":-0.3023818499082095,"num_words":77,"start":252.555,"end":283.18},{"sentences":[{"text":"Have you heard of that before?","start":283.47998,"end":284.78,"sentiment":"neutral","sentiment_score":0.006637306107829015},{"text":"Yeah.","start":288.52,"end":289.02,"sentiment":"neutral","sentiment_score":-0.011904142796993256},{"text":"So it is it is quite it is quite a different structure to superannuation in that it's for you to manage yourself.","start":289.63998,"end":299.60498,"sentiment":"neutral","sentiment_score":0.012271951376037165},{"text":"So you will be the trustee of the superannuation fund.","start":299.745,"end":302.38498,"sentiment":"neutral","sentiment_score":0.03738628439605236},{"text":"You would have to comply with all the legislation and the ruling and everything like that.","start":302.38498,"end":307.4,"sentiment":"neutral","sentiment_score":-0.03694740682840347}],"sentiment":"neutral","sentiment_score":0.0014655810696157542,"num_words":55,"start":283.47998,"end":307.4},{"sentences":[{"text":"So it's quite it is quite complex.","start":307.4,"end":309.47998,"sentiment":"neutral","sentiment_score":-0.32825999174799236},{"text":"It's great for some people, but it's definitely not for everyone.","start":309.47998,"end":312.69998,"sentiment":"negative","sentiment_score":-0.37158676981925964},{"text":"And it's also very, very expensive to set up.","start":313.72,"end":317.02,"sentiment":"negative","sentiment_score":-0.49598685569233364},{"text":"And also all the running costs associated with a self managed super fund because you have to get a yearly audit and reporting and accounting with it.","start":317.72,"end":326.935,"sentiment":"neutral","sentiment_score":-0.2620716359880235},{"text":"Now, typically, as well, to even make it cost affordable, says that you need at least a minimum of 250,000 in super, and some even says 500,000 in super to even make it, you know, affordable for fees.","start":327.315,"end":343.76,"sentiment":"neutral","sentiment_score":-0.07209160316147302}],"sentiment":"neutral","sentiment_score":-0.22461490438360235,"num_words":92,"start":307.4,"end":343.76},{"sentences":[{"text":"Yeah.","start":344.22,"end":344.72,"sentiment":"neutral","sentiment_score":-0.06974919140338898},{"text":"So maybe something down the track, but I think where we are at at the moment, the the self minute super fund, I wouldn't suggest because it would just basically take away all your superannuation and retirement savings with the fees alone.","start":345.18,"end":361.46002,"sentiment":"neutral","sentiment_score":-0.2462203711980865},{"text":"If any no.","start":365.84,"end":367.6,"sentiment":"neutral","sentiment_score":0.11682891597350438},{"text":"That's okay.","start":367.6,"end":368.16,"sentiment":"neutral","sentiment_score":-0.021672172471880913},{"text":"Obviously, if anything is something that we're always keeping an eye on, though, see if there's any other schemes of legislation that change, I'll definitely keep it in mind for you.","start":368.16,"end":375.85498,"sentiment":"neutral","sentiment_score":-0.02055064943288603}],"sentiment":"neutral","sentiment_score":-0.1359611710274144,"num_words":79,"start":344.22,"end":375.85498},{"sentences":[{"text":"But, yeah, at the moment, there is only those two, unfortunately.","start":375.85498,"end":379.955,"sentiment":"neutral","sentiment_score":-0.22604148225350815},{"text":"And now if we're looking at your superannuation as well, now do you often go and have a look at your superannuation?","start":383.29498,"end":389.79498,"sentiment":"neutral","sentiment_score":0.07667929069562392},{"text":"Yep.","start":391.01,"end":391.51,"sentiment":"neutral","sentiment_score":0.1493354290723801},{"text":"Okay.","start":391.57,"end":392.07,"sentiment":"neutral","sentiment_score":0.2696673274040222},{"text":"Perfect.","start":392.13,"end":392.63,"sentiment":"positive","sentiment_score":0.5967839956283569}],"sentiment":"neutral","sentiment_score":0.006007634517219331,"num_words":36,"start":375.85498,"end":392.63},{"sentences":[{"text":"Now let me go into your account here quickly.","start":394.45,"end":397.03,"sentiment":"neutral","sentiment_score":0.23454325397809347},{"text":"Now at the moment, as of today, you have a hundred and twenty thousand and nine hundred and five.","start":399.25,"end":405.065,"sentiment":"neutral","sentiment_score":0.09059081187373713},{"text":"And you said that you migrated from somewhere else about ten years ago, did you say?","start":406.245,"end":411.54498,"sentiment":"neutral","sentiment_score":0.036928410292603076},{"text":"Yeah.","start":412.485,"end":412.88498,"sentiment":"neutral","sentiment_score":0.11558349430561066},{"text":"Perfect.","start":412.88498,"end":413.365,"sentiment":"neutral","sentiment_score":0.27824246883392334}],"sentiment":"neutral","sentiment_score":0.10471293998315283,"num_words":46,"start":394.45,"end":413.365},{"sentences":[{"text":"And where where was where did you migrate from?","start":413.365,"end":418.74002,"sentiment":"neutral","sentiment_score":0.04858284236656295},{"text":"Oh, nice.","start":419.84003,"end":420.58002,"sentiment":"neutral","sentiment_score":0.2174028530716896},{"text":"And did you get any super or anything over there, or does it work quite differently?","start":421.36002,"end":425.7,"sentiment":"neutral","sentiment_score":0.013568514492362738},{"text":"Yeah.","start":428.72,"end":429.22,"sentiment":"neutral","sentiment_score":0.019474945962429047},{"text":"I definitely know that.","start":429.84003,"end":430.965,"sentiment":"neutral","sentiment_score":0.05786616634577513}],"sentiment":"neutral","sentiment_score":0.0418777228333056,"num_words":32,"start":413.365,"end":430.965},{"sentences":[{"text":"Yeah.","start":434.005,"end":434.505,"sentiment":"neutral","sentiment_score":0.03800533711910248},{"text":"Yeah.","start":435.605,"end":436.105,"sentiment":"neutral","sentiment_score":0.09390157461166382},{"text":"And you've done pretty well in just ten years, to be fair, because I was in a very similar situation.","start":436.165,"end":440.505,"sentiment":"neutral","sentiment_score":0.1293806279078126},{"text":"I moved to Australia about thirteen years ago now from Sweden, and I had to start completely fresh as well.","start":440.885,"end":447.16,"sentiment":"neutral","sentiment_score":0.023018695693463088},{"text":"And the system works very differently, and it can be very confusing.","start":447.16,"end":450.06,"sentiment":"neutral","sentiment_score":-0.17851042995850244}],"sentiment":"neutral","sentiment_score":0.019217930078782416,"num_words":54,"start":434.005,"end":450.06},{"sentences":[{"text":"But if you've kind of only been doing it for ten years, really, where you are at right now, it's actually doing pretty good, especially if you've only been doing it for ten years.","start":451.0,"end":462.235,"sentiment":"neutral","sentiment_score":0.22487259787671707},{"text":"Like, we have some clients in a similar age to you that have similar balance to what you have now, and they've been working since they were, like, 18 and stuff.","start":462.235,"end":470.895,"sentiment":"neutral","sentiment_score":0.1736592044753413},{"text":"So a lot of it does come into play with how your money is invested, what your income is to oversee your employer contribution, and then also the additional contributions that you are making.","start":471.51498,"end":483.41998,"sentiment":"neutral","sentiment_score":0.127155560780974},{"text":"But what I can for you, if you would like, because it's been a little while since you had an, you know, an updated SOA and a bit of review of where you are tracking at, that if you would like me to, I'm happy to do some research on your superannuation just to see, obviously, your investments and how things are going, and then do kind of an updated projection to see, you know, where things are at at the moment, if you would like me to do that.","start":484.36,"end":509.04,"sentiment":"neutral","sentiment_score":0.19239548411634233},{"text":"Yeah.","start":510.30002,"end":510.62003,"sentiment":"neutral","sentiment_score":0.07571938633918762}],"sentiment":"neutral","sentiment_score":0.18286160889424777,"num_words":190,"start":451.0,"end":510.62003},{"sentences":[{"text":"Yep.","start":510.62003,"end":511.12003,"sentiment":"neutral","sentiment_score":0.07299692928791046},{"text":"Yeah.","start":521.73505,"end":522.135,"sentiment":"neutral","sentiment_score":0.12678661942481995},{"text":"No.","start":522.135,"end":522.455,"sentiment":"neutral","sentiment_score":0.2161238193511963},{"text":"It's actually done like, for only being ten years, you've done pretty good both, you know, where you where your super's at, which is actually very good in in ten years.","start":522.455,"end":532.58,"sentiment":"positive","sentiment_score":0.43563806289626705},{"text":"So things are, I think, as well because, obviously, you have you're super invested in a high growth portfolio.","start":533.36005,"end":538.5,"sentiment":"positive","sentiment_score":0.4833357224338933}],"sentiment":"positive","sentiment_score":0.43592577441683356,"num_words":53,"start":510.62003,"end":538.5},{"sentences":[{"text":"You are making extra contributions, which does make a big difference.","start":538.96,"end":542.875,"sentiment":"positive","sentiment_score":0.6353294578465548},{"text":"And with with time as well, it's it's definitely compounding.","start":542.875,"end":546.375,"sentiment":"positive","sentiment_score":0.4542346626520157},{"text":"So it has done, you know, pretty good the last couple of years, which is great, and you're doing all the right things to kind of boost it.","start":547.15497,"end":553.33496,"sentiment":"positive","sentiment_score":0.6850978817258563},{"text":"But it is always good to review your investments, especially because there's been a lot of changes in the market and the world the last couple of years and definitely more recently.","start":554.115,"end":562.92,"sentiment":"neutral","sentiment_score":0.0691795609309338},{"text":"And I did so it's always good to do.","start":564.02,"end":566.5,"sentiment":"neutral","sentiment_score":0.3048730442921321}],"sentiment":"positive","sentiment_score":0.39634794110639227,"num_words":90,"start":538.96,"end":566.5},{"sentences":[{"text":"And I did have a look at your portfolio Overall, most of your investments have done pretty good, but there is one particular investment that has underperformed, which I would like to look at changing if you were happy to do so.","start":566.5,"end":579.665,"sentiment":"neutral","sentiment_score":0.06993843388876744},{"text":"Now yeah.","start":580.685,"end":582.12,"sentiment":"neutral","sentiment_score":0.013724135234951973},{"text":"Mhmm.","start":596.04,"end":596.2,"sentiment":"neutral","sentiment_score":0.013730611652135847},{"text":"Yes.","start":596.2,"end":596.68,"sentiment":"neutral","sentiment_score":0.038189053535461426},{"text":"So we do everything, but has to be with your consent.","start":596.68,"end":599.39496,"sentiment":"neutral","sentiment_score":0.01886957866901701}],"sentiment":"neutral","sentiment_score":0.05656750042710388,"num_words":57,"start":566.5,"end":599.39496},{"sentences":[{"text":"So for us yeah.","start":599.855,"end":601.555,"sentiment":"neutral","sentiment_score":0.008030276512727141},{"text":"So so we we will definitely we manage all the investments on your behalf.","start":602.495,"end":607.39496,"sentiment":"neutral","sentiment_score":0.10032456421426364},{"text":"So that's definitely what we do.","start":607.535,"end":609.555,"sentiment":"neutral","sentiment_score":0.1281499428053697},{"text":"We do the research, and if we obviously foresee that there is one investment so right now, we have done the research, and one of the investments that we currently have you in, I would like to look at changing.","start":609.935,"end":620.47003,"sentiment":"neutral","sentiment_score":0.11557369260117412},{"text":"Historically, it has done well.","start":620.53,"end":621.97003,"sentiment":"neutral","sentiment_score":0.1510261818766594}],"sentiment":"neutral","sentiment_score":0.10990787355526202,"num_words":69,"start":599.855,"end":621.97003},{"sentences":[{"text":"So when he came on board, it's done really well.","start":621.97003,"end":624.285,"sentiment":"neutral","sentiment_score":0.05514150112867355},{"text":"But at the moment, right now, it's kind of underperforming.","start":624.285,"end":626.785,"sentiment":"neutral","sentiment_score":-0.33262580037117007},{"text":"So we would like to to to look at swapping that for you.","start":627.645,"end":630.925,"sentiment":"neutral","sentiment_score":0.03683918743179394},{"text":"So so from from from today, I will go and do some research on your investment.","start":630.925,"end":636.78,"sentiment":"neutral","sentiment_score":0.1942104334011674},{"text":"I will then put together a a plan for you, and then I will run that through with you, and then you can decide if you would like to go ahead with the change.","start":637.4,"end":646.86,"sentiment":"neutral","sentiment_score":0.24689478865441153}],"sentiment":"neutral","sentiment_score":0.11091393003442201,"num_words":83,"start":621.97003,"end":646.86},{"sentences":[{"text":"Yep.","start":648.04,"end":648.54,"sentiment":"neutral","sentiment_score":0.196975976228714},{"text":"Yeah.","start":654.615,"end":654.855,"sentiment":"neutral","sentiment_score":-0.00663205049932003},{"text":"No.","start":654.855,"end":655.175,"sentiment":"neutral","sentiment_score":0.0005557313561439514},{"text":"We do that.","start":655.175,"end":656.635,"sentiment":"positive","sentiment_score":0.3414791425069173},{"text":"And I do wanna also let you know, I'm not sure if you have read our newsletter or anything like that recently.","start":656.935,"end":662.84,"sentiment":"neutral","sentiment_score":0.0519801965830001}],"sentiment":"neutral","sentiment_score":0.08424647890829615,"num_words":28,"start":648.04,"end":662.84},{"sentences":[{"text":"Yeah.","start":664.42,"end":664.92,"sentiment":"neutral","sentiment_score":0.04508041217923165},{"text":"So I do wanna check with you as well.","start":665.06,"end":666.5,"sentiment":"neutral","sentiment_score":0.072652920252747},{"text":"I'll go and do the research regardless, but we have recently merged with BlackRock, which you may have heard of, say, one of the biggest investment managers, and created something that's called a SMA.","start":666.5,"end":680.815,"sentiment":"neutral","sentiment_score":0.07446643392391064},{"text":"So that one is a little bit different.","start":681.275,"end":683.115,"sentiment":"neutral","sentiment_score":0.0485436178278178},{"text":"It is a self managed account.","start":683.115,"end":685.055,"sentiment":"neutral","sentiment_score":0.05300177509586016}],"sentiment":"neutral","sentiment_score":0.06788232829421759,"num_words":58,"start":664.42,"end":685.055},{"sentences":[{"text":"How that one works is at the moment, if you go into hub twenty four, you will see all your individual investments.","start":685.755,"end":693.01,"sentiment":"neutral","sentiment_score":0.09283153475685553},{"text":"You have full oversight of everything.","start":693.01,"end":694.63,"sentiment":"neutral","sentiment_score":0.13871624444921812},{"text":"And if we wanna go and make a change, like we're looking at potentially doing now, we will go and do the research, put together a plan for you, and then you will have to let me know.","start":695.08997,"end":704.075,"sentiment":"neutral","sentiment_score":0.13204425083179222},{"text":"Yep.","start":704.075,"end":704.395,"sentiment":"neutral","sentiment_score":0.13880059123039246},{"text":"Okay.","start":704.395,"end":704.715,"sentiment":"neutral","sentiment_score":0.28936082124710083}],"sentiment":"neutral","sentiment_score":0.12235932610929012,"num_words":68,"start":685.755,"end":704.715},{"sentences":[{"text":"I'm happy with that change.","start":704.715,"end":706.17505,"sentiment":"positive","sentiment_score":0.551097983121872},{"text":"Then we can do it.","start":706.395,"end":707.275,"sentiment":"neutral","sentiment_score":0.2724051266908646},{"text":"So it's a bit more compliance and paperwork behind it.","start":707.275,"end":710.255,"sentiment":"neutral","sentiment_score":0.06214569732546806},{"text":"The SMA works a little bit differently because that basically says that you are invested in a portfolio.","start":711.275,"end":716.67,"sentiment":"neutral","sentiment_score":0.09669928087128533},{"text":"Now in that portfolio, we can then chop and change investments very quickly if we feel like it's the right thing for you without having to go through kind of, like, the the lengthier research process.","start":717.44995,"end":729.955,"sentiment":"neutral","sentiment_score":0.24099430669513014}],"sentiment":"neutral","sentiment_score":0.2048020894462998,"num_words":74,"start":704.715,"end":729.955},{"sentences":[{"text":"So we can do it all very quickly in the back end, which is good especially if there are things that are changing quickly.","start":730.33496,"end":736.675,"sentiment":"positive","sentiment_score":0.4032566975802183},{"text":"It speeds up the compliance process.","start":737.135,"end":739.555,"sentiment":"positive","sentiment_score":0.5810198883215586},{"text":"The only thing yep.","start":739.935,"end":742.175,"sentiment":"neutral","sentiment_score":0.1689922772347927},{"text":"Okay.","start":742.175,"end":742.495,"sentiment":"neutral","sentiment_score":0.16462093591690063},{"text":"So I'll consider that option for you as well because it does make it a bit quicker, especially that we can do those a bit more of the active management for you quickly.","start":742.495,"end":752.55,"sentiment":"neutral","sentiment_score":0.31650794636119495}],"sentiment":"positive","sentiment_score":0.3595534168622073,"num_words":68,"start":730.33496,"end":752.55},{"sentences":[{"text":"And it's with BlackRock and the investment committee, which are massive.","start":752.55,"end":757.03,"sentiment":"neutral","sentiment_score":0.17397736690261148},{"text":"So I'll have a look at that for you.","start":757.03,"end":758.305,"sentiment":"neutral","sentiment_score":0.265478241774771},{"text":"As long as you are comfortable, you know, with us kind of making those changes in the back end, you will still be notified of all the changes, of course, but we can do it a bit quicker for you.","start":758.305,"end":767.685,"sentiment":"neutral","sentiment_score":0.23748751804232598},{"text":"Yeah?","start":768.625,"end":769.125,"sentiment":"neutral","sentiment_score":0.0884649008512497},{"text":"Yep.","start":769.425,"end":769.925,"sentiment":"positive","sentiment_score":0.399711012840271}],"sentiment":"neutral","sentiment_score":0.2304956749562294,"num_words":62,"start":752.55,"end":769.925},{"sentences":[{"text":"Perfect.","start":770.865,"end":771.365,"sentiment":"positive","sentiment_score":0.45273613929748535},{"text":"Now I do wanna confirm as well that at the moment, we have you in a high growth portfolio.","start":771.505,"end":775.92,"sentiment":"neutral","sentiment_score":0.1742471734944143},{"text":"So with the SMA, there are still a lot of different investment options that we can choose from.","start":776.22003,"end":780.88,"sentiment":"neutral","sentiment_score":0.15733286779787806},{"text":"Now a high growth portfolio is that you are obviously wanting to maximize growth as much as possible while you do have, you know, plenty of time until retirement.","start":781.18,"end":789.525,"sentiment":"neutral","sentiment_score":0.2146278501584612},{"text":"You are kind of comfortable seeing a bit of fluctuations short term in order to try and grow your super more long term.","start":790.785,"end":797.685,"sentiment":"neutral","sentiment_score":0.19905819063601288}],"sentiment":"neutral","sentiment_score":0.19331077883640926,"num_words":90,"start":770.865,"end":797.685},{"sentences":[{"text":"And, typically, we see about 90% invested in what we would call your growth investments.","start":798.305,"end":805.02,"sentiment":"neutral","sentiment_score":0.13259160816669463},{"text":"So that is your Australian equities, your international equities, and property and commodities, and that is ultimately what's going to maximize that growth for you.","start":805.56006,"end":814.62006,"sentiment":"neutral","sentiment_score":0.20176176190376283},{"text":"And then we have about 10% in defensive investments, like your cash, your gold, your fixed interest, for example.","start":815.0,"end":821.675,"sentiment":"neutral","sentiment_score":0.09309779852628708},{"text":"And when we are looking at a a time frame, so making sure that you have enough time in the market for those fluctuations, in a high portfolio, we do wanna allow at least eight years until retirement.","start":822.615,"end":834.52997,"sentiment":"neutral","sentiment_score":0.10221663960500767},{"text":"So it's definitely suitable for you from a time frame point of view.","start":835.31,"end":838.75,"sentiment":"neutral","sentiment_score":0.20574687765194818}],"sentiment":"neutral","sentiment_score":0.13964289142326874,"num_words":110,"start":798.305,"end":838.75},{"sentences":[{"text":"If you are still comfortable with the same kind of risk profile allocation, Just look to change a few things.","start":838.75,"end":845.215,"sentiment":"neutral","sentiment_score":0.07056259028613568},{"text":"Are you still comfortable with the high growth portfolio?","start":845.275,"end":847.915,"sentiment":"neutral","sentiment_score":0.0482805830736955},{"text":"Yep.","start":847.915,"end":848.415,"sentiment":"neutral","sentiment_score":0.11538621038198472},{"text":"Great.","start":848.715,"end":849.215,"sentiment":"positive","sentiment_score":0.5488935112953186},{"text":"Perfect.","start":849.355,"end":849.855,"sentiment":"neutral","sentiment_score":0.17782622575759888}],"sentiment":"neutral","sentiment_score":0.08399634377565235,"num_words":32,"start":838.75,"end":849.855},{"sentences":[{"text":"And then yes.","start":852.955,"end":855.27,"sentiment":"neutral","sentiment_score":0.01285055031379064},{"text":"How, potentially?","start":865.43,"end":866.41003,"sentiment":"neutral","sentiment_score":-0.0012501198798418045},{"text":"Yes.","start":867.27,"end":867.645,"sentiment":"neutral","sentiment_score":0.0189020037651062},{"text":"Mhmm.","start":867.965,"end":868.465,"sentiment":"neutral","sentiment_score":-0.00805496796965599},{"text":"Yes.","start":875.005,"end":875.505,"sentiment":"neutral","sentiment_score":-0.07899579405784607}],"sentiment":"neutral","sentiment_score":-0.004012168385088444,"num_words":8,"start":852.955,"end":875.505},{"sentences":[{"text":"Mhmm.","start":877.885,"end":878.385,"sentiment":"neutral","sentiment_score":-0.1955346316099167},{"text":"Okay.","start":881.005,"end":881.37,"sentiment":"neutral","sentiment_score":-0.053238581866025925},{"text":"Yes.","start":881.93,"end":882.25,"sentiment":"neutral","sentiment_score":-0.01873641088604927},{"text":"I do have.","start":882.25,"end":882.81,"sentiment":"neutral","sentiment_score":-0.01774454986055692},{"text":"Yeah.","start":882.81,"end":883.31,"sentiment":"neutral","sentiment_score":-0.03353641927242279}],"sentiment":"neutral","sentiment_score":-0.050611384745155065,"num_words":7,"start":877.885,"end":883.31},{"sentences":[{"text":"Okay.","start":887.29,"end":887.79,"sentiment":"neutral","sentiment_score":-0.1483512818813324},{"text":"Okay.","start":890.41,"end":890.91,"sentiment":"neutral","sentiment_score":-0.051378749310970306},{"text":"Yeah.","start":891.13,"end":891.45,"sentiment":"neutral","sentiment_score":-0.02158336713910103},{"text":"Well, what I can do because I did have a note actually wanting to talk to you about it because I did have a look through your file.","start":891.45,"end":896.58997,"sentiment":"neutral","sentiment_score":0.04308612844241517},{"text":"And I think at the time, I think it was around November or so, I think the only reason why we didn't proceed with it because I think you were waiting for, like, a a tonsil surgery or something, quite minor, at the time.","start":897.375,"end":911.63,"sentiment":"neutral","sentiment_score":-0.13664101893928918}],"sentiment":"neutral","sentiment_score":-0.06702808847030003,"num_words":75,"start":887.29,"end":911.63},{"sentences":[{"text":"And like you said as well, if you've been offered for three years now and you don't have any other health issues, we can definitely go down and look at your insurance at the same time if you would like.","start":911.63,"end":921.33,"sentiment":"neutral","sentiment_score":0.02052621295042627},{"text":"Yeah?","start":922.51,"end":922.845,"sentiment":"neutral","sentiment_score":0.05992887914180755},{"text":"Yep.","start":925.165,"end":925.64496,"sentiment":"neutral","sentiment_score":0.25499507784843445},{"text":"Perfect.","start":925.64496,"end":926.14496,"sentiment":"positive","sentiment_score":0.4216365814208984},{"text":"Now with insurance, there's a couple of options I do wanna run through with you just to make sure I can get what you would like.","start":926.925,"end":933.425,"sentiment":"neutral","sentiment_score":0.21149844361039308}],"sentiment":"neutral","sentiment_score":0.1022691100043248,"num_words":69,"start":911.63,"end":933.425},{"sentences":[{"text":"You have your life cover.","start":934.52496,"end":935.985,"sentiment":"neutral","sentiment_score":0.13350386619567872},{"text":"So life cover, pretty straightforward.","start":936.045,"end":938.1,"sentiment":"neutral","sentiment_score":0.20121828317642212},{"text":"It's obviously if something were to happen to you, that would then be left left to your loved ones.","start":938.1,"end":943.32,"sentiment":"neutral","sentiment_score":0.09522555454781181},{"text":"So at the moment, you have about 215,000 worth of life cover.","start":943.7,"end":949.32,"sentiment":"neutral","sentiment_score":0.08458478686710198},{"text":"Do you have any amounts that you would be comfortable with that you would like me to look at for life cover?","start":951.22,"end":957.625,"sentiment":"neutral","sentiment_score":0.07499684715135531}],"sentiment":"neutral","sentiment_score":0.09758483115879316,"num_words":63,"start":934.52496,"end":957.625},{"sentences":[{"text":"Completely separate.","start":973.05005,"end":974.01,"sentiment":"neutral","sentiment_score":-0.04642185568809509},{"text":"So life cover, it's completely separate.","start":974.01,"end":976.25,"sentiment":"neutral","sentiment_score":-0.004072248625258605},{"text":"It's a different company.","start":976.25,"end":977.71,"sentiment":"neutral","sentiment_score":-0.023338989820331335},{"text":"Now you can basically get whatever amounts you want, whatever is important to you.","start":978.57,"end":982.81,"sentiment":"neutral","sentiment_score":0.09872990474104881},{"text":"So some people, if you don't know how much you need, I start with asking, okay.","start":982.81,"end":989.105,"sentiment":"neutral","sentiment_score":-0.01915436377748847}],"sentiment":"neutral","sentiment_score":0.020597992464900017,"num_words":42,"start":973.05005,"end":989.105},{"sentences":[{"text":"Well, if something were to happen to you, what do you want to have happen?","start":989.105,"end":993.525,"sentiment":"neutral","sentiment_score":-0.10826955238978068},{"text":"Now do you have any debts that you would like to be, you know, cleared for your family?","start":994.065,"end":994.77606,"sentiment":"neutral","sentiment_score":0.0005619237199425702},{"text":"Do you have any Do you have any personal loans, or do you owe anything like a car loan, or do you have any debts that you would like?","start":994.77606,"end":1006.19995,"sentiment":"neutral","sentiment_score":-0.010219387228375879},{"text":"Yes.","start":1006.5,"end":1007.0,"sentiment":"neutral","sentiment_score":0.017343519255518913},{"text":"At how much is on the car loan roughly?","start":1007.86,"end":1010.1,"sentiment":"neutral","sentiment_score":0.019617425070868597}],"sentiment":"neutral","sentiment_score":-0.02383875755024039,"num_words":72,"start":989.105,"end":1010.1},{"sentences":[{"text":"Do you know?","start":1010.1,"end":1010.92,"sentiment":"neutral","sentiment_score":0.0027047439167896905},{"text":"About 45.","start":1012.89996,"end":1014.01996,"sentiment":"neutral","sentiment_score":0.006249613128602505},{"text":"And how much is the car worth?","start":1014.01996,"end":1015.485,"sentiment":"neutral","sentiment_score":0.009202689863741398},{"text":"Do you know?","start":1015.485,"end":1017.865,"sentiment":"neutral","sentiment_score":0.0011532196464637916},{"text":"About 60.","start":1018.305,"end":1019.745,"sentiment":"neutral","sentiment_score":0.009704270400106907}],"sentiment":"neutral","sentiment_score":0.006347087458433474,"num_words":17,"start":1010.1,"end":1019.745},{"sentences":[{"text":"Okay.","start":1019.805,"end":1020.125,"sentiment":"neutral","sentiment_score":0.1114174872636795},{"text":"Perfect.","start":1020.125,"end":1020.625,"sentiment":"neutral","sentiment_score":0.3309849500656128},{"text":"Do you have any personal loans or anything like that yet?","start":1021.645,"end":1026.785,"sentiment":"neutral","sentiment_score":0.12251485139131546},{"text":"And do you know roughly how much you have?","start":1027.005,"end":1029.26,"sentiment":"neutral","sentiment_score":0.03744704483283891},{"text":"Oh.","start":1030.12,"end":1030.62,"sentiment":"neutral","sentiment_score":0.0199979767203331}],"sentiment":"neutral","sentiment_score":0.09335161664563676,"num_words":23,"start":1019.805,"end":1030.62},{"sentences":[{"text":"About 45.","start":1031.88,"end":1032.8401,"sentiment":"neutral","sentiment_score":0.03197638504207134},{"text":"Perfect.","start":1032.8401,"end":1033.3401,"sentiment":"neutral","sentiment_score":0.30412593483924866},{"text":"And any other loans or anything like that?","start":1034.8401,"end":1038.62,"sentiment":"neutral","sentiment_score":0.04048634460195899},{"text":"No.","start":1039.24,"end":1039.64,"sentiment":"neutral","sentiment_score":-0.12087216973304749},{"text":"Okay.","start":1039.64,"end":1040.14,"sentiment":"neutral","sentiment_score":-0.06752579659223557}],"sentiment":"neutral","sentiment_score":0.03873626887798309,"num_words":13,"start":1031.88,"end":1040.14},{"sentences":[{"text":"So would you like your car loan and the personal loan, like, paid out if something were to happen to you so that doesn't have to be left for your family?","start":1040.2001,"end":1047.905,"sentiment":"neutral","sentiment_score":-0.043511826875469374},{"text":"Yep.","start":1049.645,"end":1050.145,"sentiment":"neutral","sentiment_score":0.09331413358449936},{"text":"Okay.","start":1050.285,"end":1050.785,"sentiment":"neutral","sentiment_score":0.09046436846256256},{"text":"Now on top of that, do you want anything allocated for, like, funeral expenses as well?","start":1051.005,"end":1059.21,"sentiment":"neutral","sentiment_score":0.034354835050180554},{"text":"No?","start":1059.99,"end":1060.49,"sentiment":"neutral","sentiment_score":-0.0835108608007431}],"sentiment":"neutral","sentiment_score":-0.01397843262180686,"num_words":50,"start":1040.2001,"end":1060.49},{"sentences":[{"text":"Okay.","start":1060.5499,"end":1061.0499,"sentiment":"neutral","sentiment_score":-0.03221243619918823},{"text":"Do you want any, you know, income replacement for your family?","start":1061.4299,"end":1066.7899,"sentiment":"neutral","sentiment_score":-0.0693599595264955},{"text":"So this is still talking about life cover, but, obviously, if something were to happen to you, your household won't have your income.","start":1066.7899,"end":1073.9349,"sentiment":"neutral","sentiment_score":-0.09073085645618646},{"text":"So sometimes what people allocate is a couple of years' worth of your income replacement to give that kind of, you know, financial support to your family.","start":1074.395,"end":1083.695,"sentiment":"neutral","sentiment_score":-0.028238982376125123},{"text":"Do you want me to look at, you know, covering a couple of years worth of income so if you were to pass away to give that buffer to your family a little bit?","start":1085.115,"end":1095.32,"sentiment":"neutral","sentiment_score":-0.06407103687524796}],"sentiment":"neutral","sentiment_score":-0.06065468195204934,"num_words":96,"start":1060.5499,"end":1095.32},{"sentences":[{"text":"No?","start":1098.5,"end":1098.82,"sentiment":"neutral","sentiment_score":-0.1479189395904541},{"text":"Okay.","start":1098.82,"end":1099.155,"sentiment":"neutral","sentiment_score":-0.09527178108692168},{"text":"So at the moment, if we're only looking at covering you for for your debt, that's only about 90,000.","start":1099.635,"end":1107.255,"sentiment":"neutral","sentiment_score":-0.13062337864386409},{"text":"And at the moment, you have about 215,000.","start":1107.9551,"end":1113.67,"sentiment":"neutral","sentiment_score":-0.07187466323375702},{"text":"For for life, it's fine.","start":1115.17,"end":1116.93,"sentiment":"positive","sentiment_score":0.5153436422348022}],"sentiment":"neutral","sentiment_score":-0.021273941459024653,"num_words":34,"start":1098.5,"end":1116.93},{"sentences":[{"text":"It based on what you are telling me.","start":1116.93,"end":1119.03,"sentiment":"neutral","sentiment_score":0.17866763286292553},{"text":"Yeah.","start":1125.01,"end":1125.195,"sentiment":"neutral","sentiment_score":0.021476546302437782},{"text":"Mhmm.","start":1126.235,"end":1126.735,"sentiment":"neutral","sentiment_score":0.017893847078084946},{"text":"Okay.","start":1128.475,"end":1128.975,"sentiment":"neutral","sentiment_score":0.01836438477039337},{"text":"Let's have a yes.","start":1131.2749,"end":1136.1749,"sentiment":"neutral","sentiment_score":0.009469393990002573}],"sentiment":"neutral","sentiment_score":0.1016635611342887,"num_words":15,"start":1116.93,"end":1136.1749},{"sentences":[{"text":"Yeah.","start":1136.6349,"end":1137.0349,"sentiment":"neutral","sentiment_score":0.024893946945667267},{"text":"So $2.15, and now I have the premium through.","start":1137.0349,"end":1140.475,"sentiment":"neutral","sentiment_score":0.0282413133730491},{"text":"You have you live, but then you also have TPD, which is total permanent disability.","start":1140.475,"end":1146.56,"sentiment":"neutral","sentiment_score":0.010995806676025193},{"text":"Now you have the same amount of 215,000.","start":1147.34,"end":1151.12,"sentiment":"neutral","sentiment_score":0.013672613189555705},{"text":"This cover is different because this one is designed for if something were to happen to you and you cannot go back to work.","start":1151.5801,"end":1158.525,"sentiment":"neutral","sentiment_score":-0.007576698592553536}],"sentiment":"neutral","sentiment_score":0.006518298363835926,"num_words":57,"start":1136.6349,"end":1158.525},{"sentences":[{"text":"So if you are totally or permanently disabled, then you can never go back to work again.","start":1158.5851,"end":1163.7251,"sentiment":"neutral","sentiment_score":0.0007385428556624581},{"text":"It is a lump sum payment paid out to you to obviously assist you if you can't work.","start":1164.1051,"end":1170.6051,"sentiment":"neutral","sentiment_score":0.043602007958624095},{"text":"So a lot of people find this one, you know, because it can have a bigger financial impact because, obviously, you're still around.","start":1170.905,"end":1178.87,"sentiment":"neutral","sentiment_score":-0.0024711481983894887},{"text":"There's still expenses, might be medical expenses and stuff, but you won't have an income.","start":1179.17,"end":1184.15,"sentiment":"neutral","sentiment_score":0.00025534201413392996},{"text":"So you also have 215,000 worth of that cover for you.","start":1184.93,"end":1189.475,"sentiment":"neutral","sentiment_score":0.05623995851386677}],"sentiment":"neutral","sentiment_score":0.016226483775036677,"num_words":84,"start":1158.5851,"end":1189.475},{"sentences":[{"text":"Now, obviously, 215,000 would obviously help, but, obviously, if you can never go back to work again, it would probably run out fairly quickly as well.","start":1190.895,"end":1200.63,"sentiment":"neutral","sentiment_score":-0.03886375705210062},{"text":"For both those covers, you are currently paying a $159, so it's quite cheap per year Per year.","start":1202.29,"end":1215.295,"sentiment":"neutral","sentiment_score":0.05019165720376703},{"text":"So if you're only paying, I think, is, like let me triple check your account actually while I'm here.","start":1215.5951,"end":1220.175,"sentiment":"neutral","sentiment_score":0.00700475690322683},{"text":"But it's quite cheap.","start":1220.235,"end":1221.515,"sentiment":"neutral","sentiment_score":-0.003001750097610056},{"text":"But if you feel like it's not enough, I can look at adding more cover or replacing it.","start":1221.515,"end":1227.95,"sentiment":"neutral","sentiment_score":-0.12138063605460855}],"sentiment":"neutral","sentiment_score":-0.025538540257634048,"num_words":85,"start":1190.895,"end":1227.95},{"sentences":[{"text":"So, yes, you're only paying $13.26 a month.","start":1227.95,"end":1234.13,"sentiment":"neutral","sentiment_score":0.03774795890785754},{"text":"So that is a 100 and fifth yeah.","start":1234.51,"end":1236.4299,"sentiment":"neutral","sentiment_score":0.1183757190592587},{"text":"159 a year.","start":1236.4299,"end":1238.235,"sentiment":"neutral","sentiment_score":0.07032147546609242},{"text":"So it's very cheap of what you have.","start":1238.235,"end":1240.415,"sentiment":"positive","sentiment_score":0.3492055404931307},{"text":"Are you quite happy with those amounts for those type of covers?","start":1242.3151,"end":1245.6951,"sentiment":"neutral","sentiment_score":0.26802346855401993}],"sentiment":"neutral","sentiment_score":0.19153537940329465,"num_words":39,"start":1227.95,"end":1245.6951},{"sentences":[{"text":"Yep.","start":1246.875,"end":1247.375,"sentiment":"neutral","sentiment_score":-0.004123441409319639},{"text":"Now the other there are two other policies that you don't have that I'd just like to check with you if it is something you want me to look at or not.","start":1247.595,"end":1254.52,"sentiment":"neutral","sentiment_score":-0.07774776255246252},{"text":"Now one of them is income protection.","start":1254.6599,"end":1256.9199,"sentiment":"neutral","sentiment_score":0.030152084039790288},{"text":"So income protection have you ever heard of income protection before?","start":1257.5399,"end":1261.64,"sentiment":"neutral","sentiment_score":0.015179917724295095},{"text":"Yes.","start":1262.02,"end":1262.52,"sentiment":"neutral","sentiment_score":0.08438292145729065}],"sentiment":"neutral","sentiment_score":-0.039031254584327914,"num_words":52,"start":1246.875,"end":1262.52},{"sentences":[{"text":"So that's obviously designed to replace your income if you are temporarily unable to work.","start":1263.38,"end":1269.505,"sentiment":"neutral","sentiment_score":0.05588463321328163},{"text":"So it's not a lump sum.","start":1269.645,"end":1270.845,"sentiment":"neutral","sentiment_score":0.08794985959927241},{"text":"It is a monthly replacement while you can't work.","start":1270.845,"end":1273.985,"sentiment":"neutral","sentiment_score":0.12010355376534992},{"text":"Now income protection can cover up to 70% of your income.","start":1274.525,"end":1279.5801,"sentiment":"neutral","sentiment_score":0.16142905842174182},{"text":"It's not something you have.","start":1280.28,"end":1282.06,"sentiment":"neutral","sentiment_score":-0.03762889876961708}],"sentiment":"neutral","sentiment_score":0.0877059954016105,"num_words":46,"start":1263.38,"end":1282.06},{"sentences":[{"text":"Yes.","start":1283.0801,"end":1283.5801,"sentiment":"neutral","sentiment_score":0.09249845892190932},{"text":"Now you have with the income protection, there's two different features.","start":1283.9601,"end":1288.12,"sentiment":"neutral","sentiment_score":0.05723283168944446},{"text":"So you have a waiting arrears.","start":1288.12,"end":1299.555,"sentiment":"neutral","sentiment_score":0.04621842658768097},{"text":"So what that means is that, paid thirty days in arrears.","start":1300.415,"end":1304.2001,"sentiment":"neutral","sentiment_score":0.033719043369108644},{"text":"So what that means is that if you have a thirty day waiting period, you will start getting that income replacement after about sixty days.","start":1304.7401,"end":1312.52,"sentiment":"neutral","sentiment_score":0.10384373664855957}],"sentiment":"neutral","sentiment_score":0.0734513529686309,"num_words":54,"start":1283.0801,"end":1312.52},{"sentences":[{"text":"Is that something you feel like you would like me to look at for you, or what are your thoughts on income protection?","start":1315.06,"end":1321.585,"sentiment":"neutral","sentiment_score":-0.040475674621436905},{"text":"Yep.","start":1332.7799,"end":1333.2799,"sentiment":"neutral","sentiment_score":-0.017867164686322212},{"text":"That's the cost and stuff.","start":1335.4199,"end":1336.96,"sentiment":"neutral","sentiment_score":-0.09782664030790329},{"text":"Yep.","start":1337.58,"end":1338.08,"sentiment":"neutral","sentiment_score":-0.01244852226227522},{"text":"Mhmm.","start":1343.98,"end":1344.285,"sentiment":"neutral","sentiment_score":-0.06622214615345001}],"sentiment":"neutral","sentiment_score":-0.04892295325595525,"num_words":31,"start":1315.06,"end":1344.285},{"sentences":[{"text":"There there are conditions.","start":1347.165,"end":1348.625,"sentiment":"neutral","sentiment_score":-0.16132038459181786},{"text":"So if you are unable to work due to illness or injury.","start":1348.685,"end":1354.4651,"sentiment":"neutral","sentiment_score":-0.27417078986763954},{"text":"So let's say if you are just in between jobs or been made redundant or something, it won't cover you then.","start":1355.005,"end":1361.6901,"sentiment":"neutral","sentiment_score":-0.2302042618393898},{"text":"It is just if you can't go back to work because you have an illness or an injury.","start":1361.83,"end":1368.09,"sentiment":"neutral","sentiment_score":-0.31145426796542275},{"text":"So something's happened and you can't go back to work for a while.","start":1368.23,"end":1371.805,"sentiment":"neutral","sentiment_score":-0.2878664101545627}],"sentiment":"neutral","sentiment_score":-0.2664420686881332,"num_words":68,"start":1347.165,"end":1371.805},{"sentences":[{"text":"That's how that works.","start":1373.225,"end":1374.365,"sentiment":"negative","sentiment_score":-0.6295273303985596},{"text":"No.","start":1376.745,"end":1376.985,"sentiment":"negative","sentiment_score":-0.41089123487472534},{"text":"That's okay.","start":1376.985,"end":1377.805,"sentiment":"neutral","sentiment_score":-0.1823948211967945},{"text":"Now the last cover, it's one that's called a trauma insurance.","start":1378.585,"end":1383.1,"sentiment":"neutral","sentiment_score":0.003932847091081468},{"text":"Have you ever heard of trauma insurance before?","start":1383.16,"end":1385.3401,"sentiment":"neutral","sentiment_score":-0.00705118547193706}],"sentiment":"neutral","sentiment_score":-0.1271899371013905,"num_words":26,"start":1373.225,"end":1385.3401},{"sentences":[{"text":"No.","start":1386.4401,"end":1386.9401,"sentiment":"neutral","sentiment_score":-0.14688847959041595},{"text":"Trauma insurance is quite different that it's designed to cover you for traumatic events.","start":1387.0,"end":1392.4601,"sentiment":"neutral","sentiment_score":-0.11235119668500763},{"text":"So the biggest one we see are cancer, stroke, heart attack, different neurological conditions.","start":1393.3201,"end":1400.245,"sentiment":"neutral","sentiment_score":-0.06633832199232918},{"text":"Now this is a lump sum payment paid tax free to you directly.","start":1400.7849,"end":1405.365,"sentiment":"neutral","sentiment_score":0.030464129522442818},{"text":"So let's say, for example, you have a bad heart attack and you go to hospital, it will be give you that lump sum payment.","start":1406.145,"end":1413.2,"sentiment":"neutral","sentiment_score":0.003264431916177273}],"sentiment":"neutral","sentiment_score":-0.03240145163249169,"num_words":67,"start":1386.4401,"end":1413.2},{"sentences":[{"text":"Or if you get diagnosed with any neurological conditions or anything like that, you will then be paid out a lump sum payment.","start":1413.2,"end":1421.46,"sentiment":"neutral","sentiment_score":0.005496060273245625},{"text":"So it's kind of an insurance policy to cover you that.","start":1421.6799,"end":1424.58,"sentiment":"neutral","sentiment_score":0.008595441722057083},{"text":"The only thing with the trauma policy is that you can't have it paid from within superannuation.","start":1424.88,"end":1430.415,"sentiment":"neutral","sentiment_score":-0.08235280171913259},{"text":"It is one you have to pay for out of pocket.","start":1431.035,"end":1433.935,"sentiment":"neutral","sentiment_score":-0.08317329802296379},{"text":"Yeah.","start":1437.115,"end":1437.615,"sentiment":"neutral","sentiment_score":-0.02729649282991886}],"sentiment":"neutral","sentiment_score":-0.03367049452508726,"num_words":63,"start":1413.2,"end":1437.615},{"sentences":[{"text":"Yep.","start":1438.475,"end":1438.975,"sentiment":"neutral","sentiment_score":0.17129485309123993},{"text":"Yep.","start":1440.635,"end":1441.135,"sentiment":"neutral","sentiment_score":0.15171900391578674},{"text":"Okay.","start":1442.28,"end":1442.68,"sentiment":"neutral","sentiment_score":0.1199311912059784},{"text":"You know yeah.","start":1442.68,"end":1444.54,"sentiment":"neutral","sentiment_score":0.12745404243469238},{"text":"Now if anything does change, you know, down the track and you ever wanna, you know, revisit it, always let us know.","start":1444.6001,"end":1450.3601,"sentiment":"neutral","sentiment_score":0.07711853984404694}],"sentiment":"neutral","sentiment_score":0.09006839471736125,"num_words":28,"start":1438.475,"end":1450.3601},{"sentences":[{"text":"We can always look at or, you know, if down the track you do buy a property and you wanna increase it to cover mortgage, you know, we can always reassess it for you.","start":1450.3601,"end":1458.925,"sentiment":"neutral","sentiment_score":0.063140084309613},{"text":"Yep.","start":1460.1849,"end":1460.6849,"sentiment":"positive","sentiment_score":0.399323433637619},{"text":"No.","start":1461.385,"end":1461.705,"sentiment":"neutral","sentiment_score":0.06522829830646515},{"text":"That's okay.","start":1461.705,"end":1462.525,"sentiment":"neutral","sentiment_score":0.08301166445016861},{"text":"Now let me see if there's anything else.","start":1463.065,"end":1464.665,"sentiment":"neutral","sentiment_score":0.06789379939436913}],"sentiment":"neutral","sentiment_score":0.07218452875056992,"num_words":46,"start":1450.3601,"end":1464.665},{"sentences":[{"text":"So with the the super, so I'll have a look at that for you, your investment.","start":1464.665,"end":1468.045,"sentiment":"neutral","sentiment_score":0.09076837170869112},{"text":"I do wanna just triple check as well because, obviously, it's it plays a role on your contribution.","start":1468.745,"end":1474.5,"sentiment":"neutral","sentiment_score":0.09091030185421307},{"text":"So at the moment, I have here that your income is about 135,000.","start":1475.12,"end":1479.7,"sentiment":"neutral","sentiment_score":0.036395322818022505},{"text":"Yep.","start":1481.12,"end":1481.62,"sentiment":"neutral","sentiment_score":0.042820822447538376},{"text":"And your employer, they just pay that standard 12% contributions into superannuation?","start":1481.84,"end":1487.615,"sentiment":"neutral","sentiment_score":0.03596390582000216}],"sentiment":"neutral","sentiment_score":0.06727010449394584,"num_words":60,"start":1464.665,"end":1487.615},{"sentences":[{"text":"Like, you don't have a special agreement or anything, just a standard term?","start":1488.235,"end":1492.495,"sentiment":"neutral","sentiment_score":0.002879180658895236},{"text":"Yep.","start":1493.355,"end":1493.855,"sentiment":"neutral","sentiment_score":0.15974585711956024},{"text":"And it's perfect.","start":1494.235,"end":1495.215,"sentiment":"positive","sentiment_score":0.37828729550043744},{"text":"Yes.","start":1496.475,"end":1496.975,"sentiment":"neutral","sentiment_score":0.10723529756069183},{"text":"And it's it's about a $100 a month in salary sacrifice that you do?","start":1497.37,"end":1501.71,"sentiment":"neutral","sentiment_score":0.016936670523136854}],"sentiment":"neutral","sentiment_score":0.05238705553347245,"num_words":32,"start":1488.235,"end":1501.71},{"sentences":[{"text":"Yes.","start":1502.57,"end":1503.07,"sentiment":"neutral","sentiment_score":0.04543818533420563},{"text":"Yeah.","start":1504.8099,"end":1505.13,"sentiment":"neutral","sentiment_score":0.02445993386209011},{"text":"What are you looking at changing it to?","start":1505.13,"end":1507.39,"sentiment":"neutral","sentiment_score":0.011045186896808445},{"text":"$2.50?","start":1509.2899,"end":1510.0299,"sentiment":"neutral","sentiment_score":0.005024987272918224},{"text":"As part of the research, do you want me to show you what's by increasing it to two fifty, what that would do to your super to see how that would change things?","start":1510.73,"end":1520.085,"sentiment":"neutral","sentiment_score":0.035937184637243096}],"sentiment":"neutral","sentiment_score":0.030663902151652357,"num_words":44,"start":1502.57,"end":1520.085},{"sentences":[{"text":"Yep.","start":1521.1849,"end":1521.6649,"sentiment":"neutral","sentiment_score":0.19756130874156952},{"text":"Perfect.","start":1521.6649,"end":1522.145,"sentiment":"positive","sentiment_score":0.4522491693496704},{"text":"So that's $2.50.","start":1522.145,"end":1523.1849,"sentiment":"neutral","sentiment_score":0.22743290662765503},{"text":"And that was per month.","start":1523.1849,"end":1524.145,"sentiment":"neutral","sentiment_score":0.10318562090396881},{"text":"Correct?","start":1524.145,"end":1524.645,"sentiment":"neutral","sentiment_score":0.14863312244415283}],"sentiment":"neutral","sentiment_score":0.18151549317620017,"num_words":11,"start":1521.1849,"end":1524.645},{"sentences":[{"text":"Yep.","start":1525.6649,"end":1526.1649,"sentiment":"neutral","sentiment_score":0.20961670577526093},{"text":"Great.","start":1526.225,"end":1526.58,"sentiment":"positive","sentiment_score":0.551598072052002},{"text":"And you guys do have, you know, surplus savings each month that you can, you know, facilitate the increase in the payment.","start":1527.62,"end":1535.64,"sentiment":"positive","sentiment_score":0.40188393132253125},{"text":"That's okay?","start":1535.7,"end":1536.44,"sentiment":"neutral","sentiment_score":0.2623155266046524},{"text":"Yep.","start":1537.62,"end":1538.0199,"sentiment":"neutral","sentiment_score":0.11771419644355774}],"sentiment":"positive","sentiment_score":0.3794446857991042,"num_words":27,"start":1525.6649,"end":1538.0199},{"sentences":[{"text":"Okay.","start":1538.0199,"end":1538.34,"sentiment":"neutral","sentiment_score":0.2700377106666565},{"text":"Great.","start":1538.34,"end":1538.74,"sentiment":"positive","sentiment_score":0.5715702176094055},{"text":"Perfect.","start":1538.74,"end":1539.22,"sentiment":"positive","sentiment_score":0.5712048411369324},{"text":"I will look at changing that to $2.50 a month.","start":1539.22,"end":1542.085,"sentiment":"neutral","sentiment_score":0.2634900391101837},{"text":"Contributions.","start":1543.1849,"end":1543.6849,"sentiment":"neutral","sentiment_score":0.17184197902679443}],"sentiment":"neutral","sentiment_score":0.3013967956815447,"num_words":14,"start":1538.0199,"end":1543.6849},{"sentences":[{"text":"Let me see here.","start":1546.7849,"end":1547.985,"sentiment":"neutral","sentiment_score":0.1897626519203186},{"text":"And I do have here that your goals for superannuation right now is just to kinda maximize that as much as possible.","start":1547.985,"end":1553.845,"sentiment":"neutral","sentiment_score":0.26896127516573126},{"text":"And, ideally, you wanna access super when you turn 65 and then kind of draw an income ideally from super when you retire of about 1,250 per week.","start":1554.3849,"end":1566.76,"sentiment":"neutral","sentiment_score":0.11591788886913232},{"text":"Is that still all the same?","start":1566.76,"end":1568.085,"sentiment":"neutral","sentiment_score":0.0642734585950772},{"text":"Yep.","start":1574.005,"end":1574.505,"sentiment":"neutral","sentiment_score":0.016548719257116318}],"sentiment":"neutral","sentiment_score":0.16924736099164994,"num_words":61,"start":1546.7849,"end":1574.505},{"sentences":[{"text":"Or do you think you need more or less?","start":1574.565,"end":1576.245,"sentiment":"neutral","sentiment_score":-0.061435728851291865},{"text":"Obviously, it's a bit hard to tell because who knows, you know, when you do that.","start":1576.245,"end":1580.965,"sentiment":"neutral","sentiment_score":-0.137729799374938},{"text":"Yeah.","start":1580.965,"end":1581.24,"sentiment":"neutral","sentiment_score":-0.17034520208835602},{"text":"Yep.","start":1584.04,"end":1584.54,"sentiment":"neutral","sentiment_score":-0.035740580409765244},{"text":"Well, do you I can I can change it through, like, 1,500 or 2,000?","start":1584.84,"end":1588.6799,"sentiment":"neutral","sentiment_score":-0.01602989625618128}],"sentiment":"neutral","sentiment_score":-0.07773421170110474,"num_words":41,"start":1574.565,"end":1588.6799},{"sentences":[{"text":"So what do you think is, you know, you would need for for you at the moment?","start":1588.6799,"end":1593.64,"sentiment":"neutral","sentiment_score":-0.01625199013334863},{"text":"Do you think 2,000 would be a bit more, like, per week, or do you think, like, 1,500?","start":1593.64,"end":1599.475,"sentiment":"neutral","sentiment_score":-0.013238997211576335},{"text":"1,500?","start":1601.455,"end":1602.335,"sentiment":"neutral","sentiment_score":0.01152725424617529},{"text":"Alright.","start":1602.335,"end":1602.575,"sentiment":"neutral","sentiment_score":0.08202970027923584},{"text":"I will update that.","start":1602.575,"end":1603.855,"sentiment":"neutral","sentiment_score":0.10254062339663506}],"sentiment":"neutral","sentiment_score":-0.0002650325356914503,"num_words":41,"start":1588.6799,"end":1603.855},{"sentences":[{"text":"Okay.","start":1603.855,"end":1604.355,"sentiment":"neutral","sentiment_score":0.1440698504447937},{"text":"Perfect.","start":1605.215,"end":1605.715,"sentiment":"neutral","sentiment_score":0.2293742448091507},{"text":"Now I +1.","start":1605.9349,"end":1608.255,"sentiment":"neutral","sentiment_score":0.043461487938960396},{"text":"Yep.","start":1608.255,"end":1608.6549,"sentiment":"neutral","sentiment_score":0.11203466355800629},{"text":"Perfect.","start":1608.6549,"end":1609.1549,"sentiment":"neutral","sentiment_score":0.28349769115448}],"sentiment":"neutral","sentiment_score":0.1284801305404731,"num_words":7,"start":1603.855,"end":1609.1549},{"sentences":[{"text":"So, although I will go and do this research for you.","start":1609.5349,"end":1612.6699,"sentiment":"neutral","sentiment_score":0.22060526568781247},{"text":"Cool.","start":1613.21,"end":1613.69,"sentiment":"neutral","sentiment_score":0.2371699959039688},{"text":"No.","start":1613.69,"end":1613.9299,"sentiment":"neutral","sentiment_score":-0.020455967634916306},{"text":"That's okay.","start":1613.9299,"end":1614.75,"sentiment":"neutral","sentiment_score":0.0021466840989887714},{"text":"Is there anything else you would like me to research or look at for you or just kinda focusing on that for now?","start":1614.97,"end":1621.1499,"sentiment":"neutral","sentiment_score":-0.0011215740409882171}],"sentiment":"neutral","sentiment_score":0.0689965556865852,"num_words":38,"start":1609.5349,"end":1621.1499},{"sentences":[{"text":"Yep.","start":1622.25,"end":1622.75,"sentiment":"positive","sentiment_score":0.42705005407333374},{"text":"No no problem at all.","start":1623.2899,"end":1624.485,"sentiment":"neutral","sentiment_score":0.29399338364601135},{"text":"Now it will take a couple of weeks for me to get this research together.","start":1624.565,"end":1627.545,"sentiment":"neutral","sentiment_score":0.13358138352632523},{"text":"As soon as I do, though, I will give you a call, and I will run through the options, and then you can let me know what you would like to do.","start":1627.6849,"end":1633.545,"sentiment":"neutral","sentiment_score":0.18972307234071195},{"text":"No problem at all.","start":1636.005,"end":1636.725,"sentiment":"positive","sentiment_score":0.6638868004083633}],"sentiment":"neutral","sentiment_score":0.22153374108306148,"num_words":57,"start":1622.25,"end":1636.725},{"sentences":[{"text":"I hope you have a lovely afternoon, and I look forward to speaking with you soon again.","start":1636.725,"end":1640.417,"sentiment":"positive","sentiment_score":0.7937301818062278},{"text":"Thanks.","start":1641.277,"end":1641.777,"sentiment":"positive","sentiment_score":0.6625221967697144},{"text":"Thanks.","start":1641.917,"end":1642.317,"sentiment":"positive","sentiment_score":0.6157126426696777},{"text":"You too.","start":1642.317,"end":1643.057,"sentiment":"positive","sentiment_score":0.3702472150325775},{"text":"Bye.","start":1643.117,"end":1643.597,"sentiment":"neutral","sentiment_score":0.17072510719299316}],"sentiment":"positive","sentiment_score":0.7128576121547006,"num_words":22,"start":1636.725,"end":1643.597},{"sentences":[{"text":"Bye.","start":1643.597,"end":1644.097,"sentiment":"neutral","sentiment_score":0.12959526479244232}],"sentiment":"neutral","sentiment_score":0.12959526479244232,"num_words":1,"start":1643.597,"end":1644.097}]}}]},{"alternatives":[{"transcript":"Morning. Ubay speaking. Good. And you? Thanks for calling. Yes. Yes. Sure. No problem. Okay. It's on the '87. 409Slash35SSSAP. No. Of course. Yes. I don't I like, I don't to be honest, I don't know what are the options. I want to see what yeah. But also, I had a question because I was looking like, on Monday, I had ten years at my organization, which is the job I I got when I first arrived to Australia. So but I just want to ask, is my super good for, like, ten years? Okay. Mhmm. No. It's for myself. First home. Sorry. What? So we see a SuperSaver. Okay. No. I I never heard of it. I did. Yeah. But but I I bought I bought a house long time a a townhouse long time ago, and I sold it. Okay. What about investment? Mhmm. Self managed. No. Mhmm. Okay. So it's okay. Mhmm. Mhmm. Okay. Alright. Alright. Thanks for the information. Okay. Okay. Yes. I I was living in Jordan. No. No. Different differently. So I start I started fresh ten years ago with the first Subaru here. Mhmm. Okay. Yes, please. But, like, the way I'm thinking of it, like, 120,120 thousand on ten years means 12,000 per year, which is not bad. Right? Mhmm. Yes. Yeah. But I thought I thought that this is done directly by Oak. Like, I don't touch like, I don't change anything because our my agreement when I moved to to Hub twenty four and with Oakview that they will do all all of this. Right? Okay. Yeah. No. Of course. Of course. Okay. Alright. Awesome. Okay. Sure. Okay. Absolutely. Thanks. Okay. Awesome. The reason I asked, I thought that I'm doing something wrong or I I'm not doing it. So I just want to confirm. But, yeah, that's great. Yeah. Yes. Okay. Yes. Yes. Okay. Sure. Okay. No. No. That's perfect. I'd love that here. Yes. Okay. Mhmm. Mhmm. Yeah. Yeah. Absolutely. Yes. Absolutely. But I just want to ask you for something. When I first joined, I was looking into insurance, and they want to book me with the what's their company name? It starts with t. Tal. Yes. With tal. And something happened because I was then using the the CBAP machine. And there's something with the report and everything just, like, went crazy, and then at the end, did not work. And then they just did yeah. They just did they put me on a small insurance. But now I'm not using this device for two years at all. Okay. Alright. Let's let's look in. Let's look into it as well, please. Mhmm. How does it work? Like, is it based on my on my on the amount in my Subaru, or it's, like, separate? Mhmm. Yeah. I have a car. Car loan. Yeah. It's like 45. It's 4 to around 60 gram. Yes. It's 40 5 as well. No. No. Yeah. No. Mhmm. No. Mhmm. Mhmm. So it's good. But when I was with the previous superannuation funds, I think it was 400. But how much am I paying the year of the month for this $2.50 or 2 15? Mhmm. Mhmm. Mhmm. No. That's perfect. Yep. Yes. Yes. Yes. But there's a grace period. Right? Mhmm. Mhmm. Like, I don't like income protection because we're still young, but I'd like to discuss the options just to just to see what what it is, how it works, what are the legislative yeah. Now the cost and also, like, what's there? Like, I I like, just if I'm not working, they will pay me or there's, like, conditions? No. I don't think I I don't think I need this one. No. Okay. Alright. No. No. No. All good. All good. I think I think I'm good from insurance. But, yeah, going through all good. Mhmm. Okay. Perfect. Thank you so much. Yep. Yeah. I understand. That's correct. And I do self contribution. Yes. But I'm I'm looking into increasing it. Maybe two fifty? Mhmm. Yes, please. Yeah. Yep. Mhmm. 1,250 per week. Corners black. Now now now it's not enough. Let's say 1,500. Okay. Oh, +1. Thank you. Appreciate it. No. All good. Thank you so much, sir. I appreciate your time. Okay. Of course. Thank you so much. Thank you. Take care. Bye. Bye bye. Bye. 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Ubay speaking. Good. And you? Thanks for calling.\n\nYes. Yes. Sure. No problem. Okay.\n\nIt's on the '87. 409Slash35SSSAP. No. Of course. Yes.\n\nI don't I like, I don't to be honest, I don't know what are the options. I want to see what yeah. But also, I had a question because I was looking like, on Monday, I had ten years at my organization, which is the job I I got when I first arrived to Australia. So but I just want to ask, is my super good for, like, ten years? Okay.\n\nMhmm. No. It's for myself. First home. Sorry.\n\nWhat? So we see a SuperSaver. Okay. No. I I never heard of it.\n\nI did. Yeah. But but I I bought I bought a house long time a a townhouse long time ago, and I sold it. Okay. What about investment?\n\nMhmm. Self managed. No. Mhmm. Okay.\n\nSo it's okay. Mhmm. Mhmm. Okay. Alright.\n\nAlright. Thanks for the information. Okay. Okay. Yes.\n\nI I was living in Jordan. No. No. Different differently. So I start I started fresh ten years ago with the first Subaru here.\n\nMhmm. Okay. Yes, please. But, like, the way I'm thinking of it, like, 120,120 thousand on ten years means 12,000 per year, which is not bad. Right?\n\nMhmm. Yes. Yeah. But I thought I thought that this is done directly by Oak. Like, I don't touch like, I don't change anything because our my agreement when I moved to to Hub twenty four and with Oakview that they will do all all of this.\n\nRight? Okay. Yeah. No. Of course.\n\nOf course. Okay. Alright. Awesome. Okay.\n\nSure. Okay. Absolutely. Thanks. Okay.\n\nAwesome. The reason I asked, I thought that I'm doing something wrong or I I'm not doing it. So I just want to confirm. But, yeah, that's great. Yeah.\n\nYes. Okay. Yes. Yes. Okay.\n\nSure. Okay. No. No. That's perfect.\n\nI'd love that here. Yes. Okay. Mhmm. Mhmm.\n\nYeah. Yeah. Absolutely. Yes. Absolutely.\n\nBut I just want to ask you for something. When I first joined, I was looking into insurance, and they want to book me with the what's their company name? It starts with t. Tal. Yes.\n\nWith tal. And something happened because I was then using the the CBAP machine. And there's something with the report and everything just, like, went crazy, and then at the end, did not work. And then they just did yeah. They just did they put me on a small insurance.\n\nBut now I'm not using this device for two years at all. Okay. Alright. Let's let's look in. Let's look into it as well, please.\n\nMhmm. How does it work? Like, is it based on my on my on the amount in my Subaru, or it's, like, separate? Mhmm. Yeah.\n\nI have a car. Car loan. Yeah. It's like 45. It's 4 to around 60 gram.\n\nYes. It's 40 5 as well. No. No. Yeah.\n\nNo. Mhmm. No. Mhmm. Mhmm.\n\nSo it's good. But when I was with the previous superannuation funds, I think it was 400. But how much am I paying the year of the month for this $2.50 or 2 15? Mhmm. Mhmm.\n\nMhmm. No. That's perfect. Yep. Yes.\n\nYes. Yes. But there's a grace period. Right? Mhmm.\n\nMhmm. Like, I don't like income protection because we're still young, but I'd like to discuss the options just to just to see what what it is, how it works, what are the legislative yeah. Now the cost and also, like, what's there? Like, I I like, just if I'm not working, they will pay me or there's, like, conditions? No.\n\nI don't think I I don't think I need this one. No. Okay. Alright. No.\n\nNo. No. All good. All good. I think I think I'm good from insurance.\n\nBut, yeah, going through all good. Mhmm. Okay. Perfect. Thank you so much.\n\nYep. Yeah. I understand. That's correct. And I do self contribution.\n\nYes. But I'm I'm looking into increasing it. Maybe two fifty? Mhmm. Yes, please.\n\nYeah. Yep. Mhmm. 1,250 per week. Corners black.\n\nNow now now it's not enough. Let's say 1,500. Okay. Oh, +1. Thank you.\n\nAppreciate it. No. All good. Thank you so much, sir. I appreciate your time.\n\nOkay. Of course. Thank you so much. Thank you. Take care.\n\nBye. Bye bye. Bye. Bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":2.56,"end":2.96,"sentiment":"neutral","sentiment_score":0.046836912631988525},{"text":"Ubay speaking.","start":2.96,"end":3.86,"sentiment":"neutral","sentiment_score":0.050495196133852005},{"text":"Good.","start":8.639999,"end":8.96,"sentiment":"positive","sentiment_score":0.39352545142173767},{"text":"And you?","start":8.96,"end":9.78,"sentiment":"neutral","sentiment_score":0.2629295289516449},{"text":"Thanks for 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good.","start":1437.7051,"end":1438.025,"sentiment":"neutral","sentiment_score":0.10158661752939224},{"text":"All good.","start":1438.025,"end":1438.3451,"sentiment":"neutral","sentiment_score":0.22073081880807877},{"text":"I think I think I'm good from insurance.","start":1438.3451,"end":1441.405,"sentiment":"neutral","sentiment_score":0.21771913021802902}],"sentiment":"neutral","sentiment_score":0.15560872639928544,"num_words":14,"start":1437.305,"end":1441.405},{"sentences":[{"text":"But, yeah, going through all good.","start":1442.185,"end":1444.285,"sentiment":"neutral","sentiment_score":0.19126146286725998},{"text":"Mhmm.","start":1459.0599,"end":1459.38,"sentiment":"neutral","sentiment_score":0.05656483769416809},{"text":"Okay.","start":1459.38,"end":1459.7,"sentiment":"neutral","sentiment_score":0.18150034546852112},{"text":"Perfect.","start":1459.7,"end":1460.1,"sentiment":"positive","sentiment_score":0.3969840705394745},{"text":"Thank you so much.","start":1460.1,"end":1461.1599,"sentiment":"positive","sentiment_score":0.43410155177116394}],"sentiment":"neutral","sentiment_score":0.2706941721531061,"num_words":13,"start":1442.185,"end":1461.1599},{"sentences":[{"text":"Yep.","start":1480.67,"end":1481.17,"sentiment":"neutral","sentiment_score":0.05008783936500549},{"text":"Yeah.","start":1492.385,"end":1492.585,"sentiment":"neutral","sentiment_score":0.07730859518051147},{"text":"I understand.","start":1492.585,"end":1493.285,"sentiment":"neutral","sentiment_score":0.09336557984352112},{"text":"That's correct.","start":1493.425,"end":1494.165,"sentiment":"neutral","sentiment_score":0.31273752450942993},{"text":"And I do self contribution.","start":1494.305,"end":1495.685,"sentiment":"neutral","sentiment_score":0.2951412558555603}],"sentiment":"neutral","sentiment_score":0.21957353841174732,"num_words":11,"start":1480.67,"end":1495.685},{"sentences":[{"text":"Yes.","start":1501.745,"end":1502.145,"sentiment":"neutral","sentiment_score":0.03551950678229332},{"text":"But I'm I'm looking into increasing it.","start":1502.145,"end":1504.38,"sentiment":"neutral","sentiment_score":0.02920964972249099},{"text":"Maybe two fifty?","start":1507.82,"end":1508.88,"sentiment":"neutral","sentiment_score":0.003273526051392158},{"text":"Mhmm.","start":1510.54,"end":1511.04,"sentiment":"neutral","sentiment_score":0.01371855102479458},{"text":"Yes, please.","start":1520.415,"end":1521.235,"sentiment":"neutral","sentiment_score":0.0986889936029911}],"sentiment":"neutral","sentiment_score":0.03292172651604882,"num_words":14,"start":1501.745,"end":1521.235},{"sentences":[{"text":"Yeah.","start":1525.055,"end":1525.555,"sentiment":"neutral","sentiment_score":0.13658756017684937},{"text":"Yep.","start":1537.08,"end":1537.58,"sentiment":"neutral","sentiment_score":0.11298178881406784},{"text":"Mhmm.","start":1560.165,"end":1560.665,"sentiment":"neutral","sentiment_score":0.08065686374902725},{"text":"1,250 per week.","start":1570.9401,"end":1573.52,"sentiment":"neutral","sentiment_score":0.013271291429797808},{"text":"Corners black.","start":1579.6849,"end":1580.645,"sentiment":"neutral","sentiment_score":-0.1127895824611187}],"sentiment":"neutral","sentiment_score":0.01805761526338756,"num_words":8,"start":1525.055,"end":1580.645},{"sentences":[{"text":"Now now now it's not enough.","start":1580.645,"end":1583.465,"sentiment":"neutral","sentiment_score":-0.24714044605692229},{"text":"Let's say 1,500.","start":1599.9249,"end":1601.465,"sentiment":"neutral","sentiment_score":-0.0002832396421581507},{"text":"Okay.","start":1605.6849,"end":1606.085,"sentiment":"neutral","sentiment_score":0.08915632963180542},{"text":"Oh, +1.","start":1606.085,"end":1607.1449,"sentiment":"neutral","sentiment_score":0.044968381524086},{"text":"Thank you.","start":1612.005,"end":1612.565,"sentiment":"positive","sentiment_score":0.38906949758529663}],"sentiment":"neutral","sentiment_score":-0.0376043076726741,"num_words":14,"start":1580.645,"end":1612.565},{"sentences":[{"text":"Appreciate it.","start":1612.565,"end":1613.46,"sentiment":"positive","sentiment_score":0.48904500901699066},{"text":"No.","start":1619.5399,"end":1620.0399,"sentiment":"neutral","sentiment_score":-0.10221600532531738},{"text":"All good.","start":1621.22,"end":1621.62,"sentiment":"positive","sentiment_score":0.5055953562259674},{"text":"Thank you so much, sir.","start":1621.62,"end":1622.58,"sentiment":"positive","sentiment_score":0.6600954532623291},{"text":"I appreciate your time.","start":1622.58,"end":1623.7999,"sentiment":"positive","sentiment_score":0.4926125556230545}],"sentiment":"positive","sentiment_score":0.5112851581403187,"num_words":14,"start":1612.565,"end":1623.7999},{"sentences":[{"text":"Okay.","start":1633.875,"end":1634.275,"sentiment":"neutral","sentiment_score":0.19097444415092468},{"text":"Of course.","start":1634.275,"end":1634.755,"sentiment":"neutral","sentiment_score":0.2453146055340767},{"text":"Thank you so much.","start":1634.755,"end":1635.8151,"sentiment":"positive","sentiment_score":0.7588989436626434},{"text":"Thank you.","start":1640.637,"end":1641.0369,"sentiment":"positive","sentiment_score":0.7338928282260895},{"text":"Take care.","start":1641.0369,"end":1641.7769,"sentiment":"positive","sentiment_score":0.6449714004993439}],"sentiment":"positive","sentiment_score":0.5886298079382289,"num_words":11,"start":1633.875,"end":1641.7769},{"sentences":[{"text":"Bye.","start":1642.5569,"end":1643.0569,"sentiment":"positive","sentiment_score":0.3652499318122864},{"text":"Bye bye.","start":1643.4369,"end":1644.0769,"sentiment":"neutral","sentiment_score":0.1474183201789856},{"text":"Bye.","start":1644.0769,"end":1644.3969,"sentiment":"neutral","sentiment_score":0.11344217509031296},{"text":"Bye.","start":1644.3969,"end":1644.8969,"sentiment":"neutral","sentiment_score":-0.11808853596448898}],"sentiment":"neutral","sentiment_score":0.1310880422592163,"num_words":5,"start":1642.5569,"end":1644.8969}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Morning. Ubay speaking.\n\nChannel 0: Good morning. This is Veronica from OQ Financial. How are you this morning?\n\nChannel 1: Good. And you?\n\nChannel 0: I'm good. Thanks.\n\nChannel 1: Thanks\n\nChannel 0: I\n\nChannel 1: for calling.\n\nChannel 0: no. That's okay. I had you booked you in for a little bit of a catch up. Is now still a good time for you?\n\nChannel 1: Yes.\n\nChannel 0: Yep. Perfect. Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.\n\nChannel 1: Yes. Sure. No problem.\n\nChannel 0: Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?\n\nChannel 1: Okay. It's on the '87. 409Slash35SSSAP.\n\nChannel 0: Yep. Great. Perfect. That's exactly what I have here. Now I know that you have spoken to my colleague Tommy before, but he's unfortunately off sick today.\n\nSo, hopefully, you're okay for speaking with me today.\n\nChannel 1: No. Of course.\n\nChannel 0: Mhmm. Now I believe you had a couple of questions in regards to potentially accessing super two by a property or something like that.\n\nChannel 1: Yes.\n\nChannel 0: Yeah. And in in which way are you thinking or what are you, I guess, hoping to achieve?\n\nChannel 1: I don't I like, I don't to be honest, I don't know what are the options. I want\n\nChannel 0: Okay.\n\nChannel 1: to see what yeah.\n\nChannel 0: Yeah.\n\nChannel 1: But also, I had a question because I was looking like, on Monday, I had ten years at my organization,\n\nChannel 0: Mhmm. Yeah.\n\nChannel 1: which is the job I I got when I first arrived to Australia. So but I just want to ask, is my super good for, like, ten years?\n\nChannel 0: Yeah. Let me have a look. So if I I start with property first, then\n\nChannel 1: Okay.\n\nChannel 0: we can definitely deep go into your superannuation, a little bit more and see how that's tracking or if you wanna make, you know, a bit of a review of your situation to see where things are at. But\n\nChannel 1: Mhmm.\n\nChannel 0: if we start with property, so there are basically two ways that you can utilize super for property. It depends on which way you are looking at. Now the if you are wanting to buy a property yourself, or is it more for an investment property you are\n\nChannel 1: No.\n\nChannel 0: thinking?\n\nChannel 1: It's for myself.\n\nChannel 0: Yep. Okay. So for yourself, there would be, there's only one way you can utilize superannuation to buy a property for you, and that is through a scheme that's called the first home super saver scheme. Have you ever heard of that before?\n\nChannel 1: First home. Sorry. What?\n\nChannel 0: First home super saver scheme.\n\nChannel 1: So we see a SuperSaver. Okay. No. I\n\nChannel 0: Yeah.\n\nChannel 1: I never heard of it.\n\nChannel 0: Yeah. So what it is is that it kind of allows you to save for your first property. Now you never owned the property before?\n\nChannel 1: I did.\n\nChannel 0: You did? Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Because that means that you won't be able to utilize it. They do have quite a few restrictions on utilizing this scheme, and and the eligibility is that you're a first home buyer, and you have never owned a property in Australia before.\n\nChannel 1: But but I I bought I bought a house long time a a townhouse long time ago, and I sold it.\n\nChannel 0: Yes. It still unfortunately means that you can't utilize that scheme. It's only designed for buying your first property, whether that would be, you know, a land or anything like that, investment property. If you bought a a property before, it means that you can't utilize the scheme. That is the restriction, the legislation for the scheme.\n\nEven so, it's quite limited that even if you were eligible, it is still quite limited on what you can use. So you can only take up through a maximum of 15,000 in each financial year up through a max of 50, and it's only utilizing extra contributions that you've used into super. So it is quite limited in in that way. But if you unfortunately have owned a property before, even if it was, you know, five, ten, or even if it, you know, was thirty years ago, you wouldn't be able to use it, unfortunately. It's only if you bought your first ever home.\n\nChannel 1: Okay. What about investment?\n\nChannel 0: Yep. So if it is for an investment property, the only way that you can utilize superannuation is through a self managed super fund. Have you heard\n\nChannel 1: Mhmm.\n\nChannel 0: of that before?\n\nChannel 1: Self managed. No.\n\nChannel 0: Yeah. So it is it is quite it is quite a different structure to superannuation in that it's for you to manage yourself. So you will be the trustee of the superannuation fund. You would have to comply with all the legislation and the ruling and everything like that.\n\nChannel 1: Mhmm.\n\nChannel 0: So it's quite it is quite complex. It's great for some people, but it's definitely not for everyone. And it's also very, very expensive to set up. And also all the running costs associated with a self managed super fund because you have to get a yearly audit and reporting and accounting with it. Now, typically, as well, to even make it cost affordable, says that you need at least a minimum of 250,000 in super, and some even says 500,000 in super to even make it, you know,\n\nChannel 1: Okay.\n\nChannel 0: affordable\n\nChannel 1: So it's\n\nChannel 0: for fees. Yeah. So maybe\n\nChannel 1: okay.\n\nChannel 0: something down the track, but I think where we are at at the moment,\n\nChannel 1: Mhmm.\n\nChannel 0: the the self minute super fund, I wouldn't suggest because it would just basically take away all your superannuation and retirement savings with the fees alone.\n\nChannel 1: Mhmm. Okay. Alright. Alright. Thanks\n\nChannel 0: If\n\nChannel 1: for\n\nChannel 0: any\n\nChannel 1: the information.\n\nChannel 0: no. That's okay. Obviously, if anything is something that we're always keeping an eye on, though, see if there's any other schemes of legislation that change, I'll definitely keep it in mind for you. But, yeah, at the moment, there is only those two, unfortunately.\n\nChannel 1: Okay.\n\nChannel 0: And now if we're looking at your superannuation as well, now do you often go and have a look at your superannuation?\n\nChannel 1: Okay.\n\nChannel 0: Yep. Okay. Perfect. Now let me go into your account here quickly. Now at the moment, as of today, you have a hundred and twenty thousand and nine hundred and five.\n\nAnd you said that you migrated from somewhere else about ten years ago, did you say?\n\nChannel 1: Yes.\n\nChannel 0: Yeah. Perfect. And where where was where did you migrate\n\nChannel 1: I I was\n\nChannel 0: from?\n\nChannel 1: living in Jordan.\n\nChannel 0: Oh, nice. And did you get any super or anything over there, or does it work quite differently?\n\nChannel 1: No. No. Different differently.\n\nChannel 0: Yeah. I definitely\n\nChannel 1: So\n\nChannel 0: know\n\nChannel 1: I start\n\nChannel 0: that.\n\nChannel 1: I started fresh ten years ago with the\n\nChannel 0: Yeah.\n\nChannel 1: first Subaru here.\n\nChannel 0: Yeah. And you've done pretty well in just ten years, to be fair, because I was in a very similar situation. I moved to Australia about thirteen years ago now from Sweden, and I had to start completely fresh as well. And the system works very differently, and it can be very confusing. But if you've kind of only been doing it for ten years, really, where you are at right now, it's actually doing pretty good, especially if you've only been doing it for ten years.\n\nLike, we have some clients in a similar age to you that have similar balance to what you have now, and they've been working since they were, like, 18 and stuff. So a lot of it does come into play with how your money is invested, what your income is to oversee your employer contribution, and then also the additional contributions that you are making. But what\n\nChannel 1: Mhmm.\n\nChannel 0: I can for you, if you would like, because it's been a little while since you had an, you know, an updated SOA and a bit of review of where you are tracking at, that if you would like me to, I'm happy to do some research on your superannuation just to see, obviously, your investments and how things are going, and then do kind of an updated projection to see, you know, where things are at at the moment, if you would\n\nChannel 1: Okay.\n\nChannel 0: like me to do that.\n\nChannel 1: Yes, please. But,\n\nChannel 0: Yeah.\n\nChannel 1: like,\n\nChannel 0: Yep.\n\nChannel 1: the way I'm thinking of it, like, 120,120 thousand on ten years means 12,000 per year, which is not bad. Right?\n\nChannel 0: Yeah. No. It's actually done like, for only being ten years, you've done pretty good both, you know, where you where your super's at, which is actually very good in in ten years. So things are, I think, as well because, obviously, you have you're super invested in a high growth portfolio. You are making extra contributions, which does make a big difference.\n\nAnd with with time as well, it's it's definitely compounding. So it has done, you know, pretty good the last couple of years, which is great, and you're doing all the right things to kind of boost\n\nChannel 1: Mhmm.\n\nChannel 0: it. But it is always good to review your investments, especially because there's been a lot of changes in the market and the world the\n\nChannel 1: Yes.\n\nChannel 0: last couple of years and definitely more recently. And I did so it's always good to do. And I did have a look at your portfolio Overall, most of your investments have done pretty good, but there is one particular investment that has underperformed, which I would like to look at changing if you were happy to do so.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: But I thought I thought\n\nChannel 0: yeah.\n\nChannel 1: that this is done directly by Oak. Like, I don't touch like, I don't change anything because our my agreement when I moved to to Hub twenty four and with Oakview that they will do all all of this. Right?\n\nChannel 0: Mhmm. Yes. So we do everything, but has to be with your consent. So for\n\nChannel 1: Okay.\n\nChannel 0: us\n\nChannel 1: Yeah. No. Of\n\nChannel 0: yeah.\n\nChannel 1: course. Of course.\n\nChannel 0: So so we we will definitely we manage all the investments on your behalf. So\n\nChannel 1: Okay.\n\nChannel 0: that's definitely what we do.\n\nChannel 1: Alright.\n\nChannel 0: We\n\nChannel 1: Awesome.\n\nChannel 0: do the research, and if we obviously foresee that there is one investment so right now, we have done the research, and one of the investments that we currently have you in, I would like to look at changing. Historically, it has done well. So when he came on board, it's done really well. But at the moment, right now, it's kind of underperforming. So we\n\nChannel 1: Okay.\n\nChannel 0: would like\n\nChannel 1: Sure.\n\nChannel 0: to to to look at swapping that for you. So\n\nChannel 1: Okay. Absolutely.\n\nChannel 0: so from from from today, I will go and do some research on your investment. I will then put together a a plan for you, and then I will run that through with you, and then you can decide if you would like to go ahead with the change.\n\nChannel 1: Thanks. Okay. Awesome.\n\nChannel 0: Yep.\n\nChannel 1: The reason I asked, I thought that I'm doing something wrong or I I'm not doing it. So I just want to confirm. But,\n\nChannel 0: Yeah.\n\nChannel 1: yeah,\n\nChannel 0: No.\n\nChannel 1: that's\n\nChannel 0: We do\n\nChannel 1: great.\n\nChannel 0: that. And I do wanna also let you know, I'm not sure if you have read our newsletter or anything like that recently.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. So I do wanna check with you as well. I'll go and do the research regardless, but we have recently merged with BlackRock, which you may have heard of, say, one of the biggest investment managers, and created\n\nChannel 1: Yes.\n\nChannel 0: something that's called a SMA. So that one is a little bit different. It is a self managed account. How that one works is at the moment, if you go into hub twenty four, you will see all your individual investments. You have full oversight of everything.\n\nAnd if we wanna go and make a change, like we're looking at potentially doing now, we will go and do the research, put together a plan for you, and then you will have to let me know. Yep. Okay. I'm happy with that change. Then we can do it.\n\nSo it's a bit more compliance and paperwork behind it. The SMA works a little bit differently because that basically says that you are invested in a portfolio. Now in that portfolio, we can then chop and change investments very quickly if we feel like it's the right thing for you without having to go through kind of, like, the the lengthier research process. So we can do\n\nChannel 1: Okay.\n\nChannel 0: it all very quickly in the back end, which\n\nChannel 1: Yes.\n\nChannel 0: is good especially if there are things that are changing quickly. It speeds up the compliance process.\n\nChannel 1: Yes.\n\nChannel 0: The only thing yep. Okay. So I'll consider that option for you as well because it does make it a bit quicker, especially that we can do those a bit more of the active management for you quickly. And it's with BlackRock and the investment committee, which\n\nChannel 1: Okay.\n\nChannel 0: are massive. So I'll have a look at that for you. As long as you\n\nChannel 1: Sure.\n\nChannel 0: are comfortable, you know, with us kind of making those changes in the back end, you will still be notified of all the changes, of course, but we can do it a bit quicker for you.\n\nChannel 1: Okay. No. No. That's\n\nChannel 0: Yeah?\n\nChannel 1: perfect. I'd love\n\nChannel 0: Yep.\n\nChannel 1: that here.\n\nChannel 0: Perfect. Now I do wanna confirm as well that at the moment, we have you in a high growth portfolio. So with the SMA, there are still a lot of different investment options that we can choose from. Now a high growth portfolio is that you are obviously wanting to maximize growth as much as possible while you do have, you know, plenty of time until retirement. You are kind of comfortable seeing a bit of fluctuations short term in order to try and grow your super more long term.\n\nAnd,\n\nChannel 1: Yes.\n\nChannel 0: typically, we see about 90% invested in what we would call your growth investments. So that is your Australian equities, your international equities, and property and commodities, and that is ultimately what's going to maximize that growth for you.\n\nChannel 1: Okay.\n\nChannel 0: And then we have about 10% in defensive investments, like your cash, your gold, your fixed interest, for example.\n\nChannel 1: Mhmm.\n\nChannel 0: And when we are looking at a a time frame, so making sure that you have enough time in the market for those fluctuations, in a high portfolio, we do wanna allow at least eight years until retirement. So it's definitely suitable for you from a time frame point of view. If you are still comfortable with the same kind of risk profile allocation, Just look to change a few things. Are you still comfortable\n\nChannel 1: Mhmm.\n\nChannel 0: with\n\nChannel 1: Yeah.\n\nChannel 0: the high\n\nChannel 1: Yeah.\n\nChannel 0: growth\n\nChannel 1: Absolutely.\n\nChannel 0: portfolio? Yep.\n\nChannel 1: Yes. Absolutely.\n\nChannel 0: Great. Perfect.\n\nChannel 1: But I just\n\nChannel 0: And\n\nChannel 1: want\n\nChannel 0: then\n\nChannel 1: to ask you for something.\n\nChannel 0: yes.\n\nChannel 1: When I first joined, I was looking into insurance, and they want to book me with the what's their company name? It starts with t.\n\nChannel 0: How, potentially?\n\nChannel 1: Tal. Yes.\n\nChannel 0: Yes.\n\nChannel 1: With tal.\n\nChannel 0: Mhmm.\n\nChannel 1: And something happened because I was then using the the CBAP machine.\n\nChannel 0: Yes.\n\nChannel 1: And there's something with the report and everything just,\n\nChannel 0: Mhmm.\n\nChannel 1: like, went crazy, and then at the end, did not work.\n\nChannel 0: Okay.\n\nChannel 1: And\n\nChannel 0: Yes.\n\nChannel 1: then\n\nChannel 0: I\n\nChannel 1: they\n\nChannel 0: do\n\nChannel 1: just\n\nChannel 0: have. Yeah.\n\nChannel 1: did yeah. They just did they put me on a small insurance. But\n\nChannel 0: Okay.\n\nChannel 1: now I'm not using this device for two years at all.\n\nChannel 0: Okay. Yeah. Well, what I can do because I did have a note actually wanting to talk to you about it because I did have a look through your file. And I think at the time, I think it was around November or so, I think the only reason why we didn't proceed with it because I think you were waiting for, like, a a tonsil surgery or something, quite minor, at the time. And like you said as well, if you've been offered for three years now and you don't have any other health issues, we can definitely go down and look at your insurance at the same time if you would like.\n\nChannel 1: Okay. Alright. Let's\n\nChannel 0: Yeah?\n\nChannel 1: let's look in. Let's look into it as well, please.\n\nChannel 0: Yep. Perfect. Now with insurance, there's a couple of options I do wanna run through with you just to make sure I can get what you would like. You have your life cover. So life cover, pretty straightforward.\n\nIt's obviously if something were to happen to you, that would then be left left to your loved ones. So at the moment, you have about 215,000 worth of life cover. Do you have any amounts that you would be comfortable with\n\nChannel 1: Mhmm.\n\nChannel 0: that you would like me to look at for life cover?\n\nChannel 1: How does it work? Like, is it based on my on my on the amount in my Subaru, or it's, like, separate?\n\nChannel 0: Completely separate. So life cover, it's completely separate. It's a different company. Now you can basically get whatever amounts you want, whatever is important to you. So some people, if you don't know how much you need, I start with asking, okay.\n\nWell, if something were to happen to you, what do you want to have happen? Now do\n\nChannel 1: Mhmm.\n\nChannel 0: you have any debts that you would like to be, you know, cleared for your family? Do you have any Do you have any personal loans, or do you owe anything like a car loan, or do you have any\n\nChannel 1: Yeah. I\n\nChannel 0: debts\n\nChannel 1: have\n\nChannel 0: that\n\nChannel 1: a\n\nChannel 0: you would like?\n\nChannel 1: car. Car\n\nChannel 0: Yes.\n\nChannel 1: loan. Yeah.\n\nChannel 0: At how much is on the car loan roughly? Do you know?\n\nChannel 1: It's like 45.\n\nChannel 0: About 45. And how much is the car worth? Do you\n\nChannel 1: It's 4\n\nChannel 0: know?\n\nChannel 1: to around 60\n\nChannel 0: About\n\nChannel 1: gram.\n\nChannel 0: 60. Okay. Perfect. Do you have any personal loans or anything like that\n\nChannel 1: Yes.\n\nChannel 0: yet? And do you know roughly how much you have?\n\nChannel 1: It's 40\n\nChannel 0: Oh.\n\nChannel 1: 5\n\nChannel 0: About 45. Perfect.\n\nChannel 1: as\n\nChannel 0: And\n\nChannel 1: well.\n\nChannel 0: any other loans or anything like that?\n\nChannel 1: No. No.\n\nChannel 0: No. Okay. So would you like your car loan and the personal loan, like, paid out if something were to happen to you so that doesn't have to be left for your family?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Okay. Now on top of that, do you want anything allocated for, like, funeral expenses as well?\n\nChannel 1: No.\n\nChannel 0: No? Okay. Do you want any, you know, income replacement for your family? So this is still talking about life cover, but, obviously, if something were to happen to you, your household won't have your income. So sometimes what people allocate is a couple of years' worth of your income replacement to give that kind of, you know, financial support to your family.\n\nChannel 1: Mhmm.\n\nChannel 0: Do you want me to look at, you know, covering a couple of years worth of income so if you were to pass away to give that buffer to your family a little bit?\n\nChannel 1: No.\n\nChannel 0: No? Okay. So at the moment, if we're only looking at covering you for for your debt, that's only about 90,000. And at the moment, you have about 215,000.\n\nChannel 1: Mhmm. Mhmm. So it's good.\n\nChannel 0: For for life, it's fine. It based on what you are telling me.\n\nChannel 1: But when I was with the previous superannuation\n\nChannel 0: Yeah.\n\nChannel 1: funds, I think\n\nChannel 0: Mhmm.\n\nChannel 1: it was 400.\n\nChannel 0: Okay.\n\nChannel 1: But\n\nChannel 0: Let's\n\nChannel 1: how\n\nChannel 0: have\n\nChannel 1: much am I\n\nChannel 0: a\n\nChannel 1: paying the year of the month for this $2.50 or 2\n\nChannel 0: yes. Yeah. So $2.15, and now I have the premium through. You have you live, but then you also have TPD, which is total permanent disability.\n\nChannel 1: 15?\n\nChannel 0: Now\n\nChannel 1: Mhmm.\n\nChannel 0: you have the same amount of 215,000. This cover is different because this one is designed for if something were to happen to you and you cannot go back to work. So if you are totally or permanently disabled, then you can never go back to work again. It is a lump sum payment paid out to you to obviously assist you if you can't work.\n\nChannel 1: Mhmm.\n\nChannel 0: So a lot of people find this one, you know, because it can have a bigger financial impact because, obviously, you're still around. There's still expenses, might be medical expenses and stuff, but you won't have an income. So you also have 215,000 worth of that cover for you.\n\nChannel 1: Mhmm.\n\nChannel 0: Now, obviously, 215,000 would obviously help, but, obviously, if you can never go back to work again, it would probably run out fairly quickly as well. For both those covers, you are currently paying a $159, so it's quite cheap per year Per year. So if you're only paying, I think, is, like let me triple check your account actually while I'm here. But it's quite cheap. But if you feel like it's not enough, I can look at adding more cover or replacing it.\n\nSo, yes, you're only paying $13.26 a month. So that is\n\nChannel 1: No. That's\n\nChannel 0: a 100\n\nChannel 1: perfect.\n\nChannel 0: and fifth yeah. 159 a year. So it's very cheap of what you have. Are you quite happy with those amounts for those type of covers?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Now the other there are two other policies that you don't have that I'd just like to check with you if it is something you want me to look at or not. Now one of them is income protection. So income protection have you ever heard of income protection before?\n\nChannel 1: Yes. Yes.\n\nChannel 0: Yes.\n\nChannel 1: Yes.\n\nChannel 0: So that's obviously designed to replace your income if you are temporarily unable to work. So it's not a lump sum. It is a monthly replacement while you can't work. Now income protection can cover up to 70% of your income. It's\n\nChannel 1: But\n\nChannel 0: not\n\nChannel 1: there's\n\nChannel 0: something\n\nChannel 1: a grace\n\nChannel 0: you\n\nChannel 1: period.\n\nChannel 0: have.\n\nChannel 1: Right?\n\nChannel 0: Yes. Now you have with the income protection, there's two different features. So you have a waiting\n\nChannel 1: Mhmm.\n\nChannel 0: arrears. So what that means is that, paid thirty days in arrears. So what that means is that if you have a thirty day waiting period, you will start getting that income replacement after about sixty days.\n\nChannel 1: Mhmm.\n\nChannel 0: Is that something you feel like you would like me to look at for you, or what are your thoughts on income protection?\n\nChannel 1: Like, I don't like income protection because we're still young, but I'd like to discuss the options just to just to see what what it is, how it works, what are\n\nChannel 0: Yep.\n\nChannel 1: the\n\nChannel 0: That's the cost\n\nChannel 1: legislative\n\nChannel 0: and stuff.\n\nChannel 1: yeah. Now\n\nChannel 0: Yep.\n\nChannel 1: the cost and also, like, what's there? Like, I I like, just if I'm not working, they will pay\n\nChannel 0: Mhmm.\n\nChannel 1: me or there's, like, conditions?\n\nChannel 0: There there are conditions. So if you are unable to work due to illness or injury. So let's say if you are just in between jobs or been made redundant or something, it won't cover you then. It is just if you can't go back to work because you have an illness or an injury. So something's happened and you can't go back to work for a while.\n\nChannel 1: No.\n\nChannel 0: That's\n\nChannel 1: I\n\nChannel 0: how\n\nChannel 1: don't\n\nChannel 0: that\n\nChannel 1: think\n\nChannel 0: works.\n\nChannel 1: I I don't think I need this one.\n\nChannel 0: No. That's okay. Now the last cover, it's one that's called a trauma insurance. Have you ever heard of trauma insurance before?\n\nChannel 1: No.\n\nChannel 0: No. Trauma insurance is quite different that it's designed to cover you for traumatic events. So the biggest one we see are cancer, stroke, heart attack, different neurological conditions. Now this is a lump sum payment paid tax free to you directly. So let's say, for example, you have a bad heart attack and you go to hospital, it will be give you that lump sum payment.\n\nOr if you get diagnosed with any neurological conditions or anything like that, you will then be paid out a lump sum payment. So it's kind of an insurance policy to cover you that. The only thing with the trauma policy is that you can't have it paid from within superannuation. It is one you have to pay for out of pocket.\n\nChannel 1: Okay. Alright. No.\n\nChannel 0: Yeah.\n\nChannel 1: No. No. All good. All good. I\n\nChannel 0: Yep.\n\nChannel 1: think I think I'm good from\n\nChannel 0: Yep.\n\nChannel 1: insurance. But,\n\nChannel 0: Okay. You\n\nChannel 1: yeah,\n\nChannel 0: know\n\nChannel 1: going through all good.\n\nChannel 0: yeah. Now if anything does change, you know, down the track and you ever wanna, you know, revisit it, always let us know. We can always look at or, you know, if down the track you do buy a property and you wanna increase it to cover mortgage, you know, we can always reassess it for you.\n\nChannel 1: Mhmm. Okay. Perfect. Thank\n\nChannel 0: Yep.\n\nChannel 1: you so much.\n\nChannel 0: No. That's okay. Now let me see if there's anything else. So with the the super, so I'll have a look at that for you, your investment. I do wanna just triple check as well because, obviously, it's it plays a role on your contribution.\n\nSo at the moment, I have here that your income is about 135,000.\n\nChannel 1: Yep.\n\nChannel 0: Yep. And your employer, they just pay that standard 12% contributions into superannuation? Like, you don't have a special agreement or anything, just a standard term?\n\nChannel 1: Yeah. I understand.\n\nChannel 0: Yep.\n\nChannel 1: That's correct.\n\nChannel 0: And\n\nChannel 1: And I\n\nChannel 0: it's\n\nChannel 1: do\n\nChannel 0: perfect.\n\nChannel 1: self contribution.\n\nChannel 0: Yes. And it's it's about a $100 a month in salary sacrifice that you do?\n\nChannel 1: Yes. But I'm\n\nChannel 0: Yes.\n\nChannel 1: I'm looking into increasing it.\n\nChannel 0: Yeah. What are you looking at changing it to?\n\nChannel 1: Maybe two fifty?\n\nChannel 0: $2.50?\n\nChannel 1: Mhmm.\n\nChannel 0: As part of the research, do you want me to show you what's by increasing it to two fifty, what that would do to your super to see how that would change things?\n\nChannel 1: Yes, please.\n\nChannel 0: Yep. Perfect. So that's $2.50. And that was per month. Correct?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Great. And you guys do have, you know, surplus savings each month that you can, you know, facilitate the increase in the payment. That's okay?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Okay. Great. Perfect. I will look at changing that to $2.50 a month.\n\nContributions. Let me see here. And I do have here that your goals for superannuation right now is just to kinda maximize that as much as possible. And, ideally, you wanna access super when you turn 65 and then\n\nChannel 1: Mhmm.\n\nChannel 0: kind of draw an income ideally from super when you retire of about 1,250 per week. Is that still all the same?\n\nChannel 1: 1,250 per week.\n\nChannel 0: Yep. Or do you think you need more or less? Obviously, it's a bit hard to tell because who knows, you know,\n\nChannel 1: Corners\n\nChannel 0: when\n\nChannel 1: black.\n\nChannel 0: you do\n\nChannel 1: Now\n\nChannel 0: that. Yeah.\n\nChannel 1: now now it's not enough.\n\nChannel 0: Yep. Well, do you I can I can change it through, like, 1,500 or 2,000? So what do you think is, you know, you would need for for you at the moment? Do you think 2,000 would be a bit more, like, per week, or do you think, like, 1,500?\n\nChannel 1: Let's say 1,500.\n\nChannel 0: 1,500? Alright. I will update that. Okay. Perfect.\n\nChannel 1: Okay.\n\nChannel 0: Now\n\nChannel 1: Oh, +1.\n\nChannel 0: I +1. Yep. Perfect. So, although I will go and do this research\n\nChannel 1: Thank\n\nChannel 0: for you.\n\nChannel 1: you. Appreciate it.\n\nChannel 0: Cool. No. That's okay. Is there anything else you would like me to research or look at for you or just kinda\n\nChannel 1: No.\n\nChannel 0: focusing on that for now?\n\nChannel 1: All good. Thank you so much,\n\nChannel 0: Yep.\n\nChannel 1: sir. I appreciate your\n\nChannel 0: No\n\nChannel 1: time.\n\nChannel 0: no problem at all. Now it will take a couple of weeks for me to get this research together. As soon as I do, though, I will give you a call, and I will run through the options, and then you can let me know what you would like to do.\n\nChannel 1: Okay. Of course. Thank you so much.\n\nChannel 0: No problem at all. I hope you have a lovely afternoon, and I look forward to speaking with you soon again.\n\nChannel 1: Thank you. Take care.\n\nChannel 0: Thanks. Thanks. You\n\nChannel 1: Bye.\n\nChannel 0: too. Bye.\n\nChannel 1: Bye bye.\n\nChannel 0: Bye.\n\nChannel 1: Bye. Bye.","paragraphs":[{"sentences":[{"text":"Morning.","start":2.56,"end":2.96,"sentiment":"neutral","sentiment_score":0.046836912631988525},{"text":"Ubay speaking.","start":2.96,"end":3.86,"sentiment":"neutral","sentiment_score":0.050495196133852005}],"sentiment":"neutral","sentiment_score":0.049275768299897514,"channel":1,"num_words":3,"start":2.56,"end":3.86},{"sentences":[{"text":"Good morning.","start":4.7999997,"end":5.3599997,"sentiment":"positive","sentiment_score":0.37878480553627014},{"text":"This is Veronica from OQ Financial.","start":5.3599997,"end":7.2999997,"sentiment":"neutral","sentiment_score":0.3266345411539078},{"text":"How are you this morning?","start":7.3599997,"end":8.5,"sentiment":"neutral","sentiment_score":0.26500932574272157}],"sentiment":"neutral","sentiment_score":0.310955652823815,"channel":0,"num_words":13,"start":4.7999997,"end":8.5},{"sentences":[{"text":"Good.","start":8.639999,"end":8.96,"sentiment":"positive","sentiment_score":0.39352545142173767},{"text":"And you?","start":8.96,"end":9.78,"sentiment":"neutral","sentiment_score":0.2629295289516449}],"sentiment":"neutral","sentiment_score":0.30646150310834247,"channel":1,"num_words":3,"start":8.639999,"end":9.78},{"sentences":[{"text":"I'm good.","start":10.08,"end":10.88,"sentiment":"positive","sentiment_score":0.5366761088371277},{"text":"Thanks.","start":10.88,"end":11.38,"sentiment":"positive","sentiment_score":0.6310812830924988}],"sentiment":"positive","sentiment_score":0.5681445002555847,"channel":0,"num_words":3,"start":10.08,"end":11.38},{"sentences":[{"text":"Thanks","start":11.92,"end":12.32,"sentiment":"positive","sentiment_score":0.6617008447647095}],"sentiment":"positive","sentiment_score":0.6617008447647095,"channel":1,"num_words":1,"start":11.92,"end":12.32},{"sentences":[{"text":"I","start":12.16,"end":12.48,"sentiment":"positive","sentiment_score":0.6049819588661194}],"sentiment":"positive","sentiment_score":0.6049819588661194,"channel":0,"num_words":1,"start":12.16,"end":12.48},{"sentences":[{"text":"for calling.","start":12.32,"end":12.98,"sentiment":"positive","sentiment_score":0.5138488709926605}],"sentiment":"positive","sentiment_score":0.5138488709926605,"channel":1,"num_words":2,"start":12.32,"end":12.98},{"sentences":[{"text":"no.","start":13.599999,"end":13.84,"sentiment":"neutral","sentiment_score":0.04466257989406586},{"text":"That's okay.","start":13.84,"end":14.66,"sentiment":"neutral","sentiment_score":0.1214478611946106},{"text":"I had you booked you in for a little bit of a catch up.","start":14.799999,"end":18.295,"sentiment":"neutral","sentiment_score":0.1696840301156044},{"text":"Is now still a good time for you?","start":18.295,"end":19.994999,"sentiment":"neutral","sentiment_score":0.20875686779618263}],"sentiment":"neutral","sentiment_score":0.17332758665084838,"channel":0,"num_words":25,"start":13.599999,"end":19.994999},{"sentences":[{"text":"Yes.","start":20.255001,"end":20.755001,"sentiment":"neutral","sentiment_score":0.11792123317718506}],"sentiment":"neutral","sentiment_score":0.11792123317718506,"channel":1,"num_words":1,"start":20.255001,"end":20.755001},{"sentences":[{"text":"Yep.","start":21.015,"end":21.494999,"sentiment":"neutral","sentiment_score":0.16150885820388794},{"text":"Perfect.","start":21.494999,"end":21.994999,"sentiment":"positive","sentiment_score":0.3348884880542755},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay.","start":22.775,"end":31.099998,"sentiment":"neutral","sentiment_score":0.06294549847471304}],"sentiment":"neutral","sentiment_score":0.07489731619434972,"channel":0,"num_words":31,"start":21.015,"end":31.099998},{"sentences":[{"text":"Yes.","start":31.48,"end":31.8,"sentiment":"neutral","sentiment_score":0.07597341388463974},{"text":"Sure.","start":31.8,"end":32.04,"sentiment":"neutral","sentiment_score":0.09860872477293016},{"text":"No problem.","start":32.04,"end":32.78,"sentiment":"neutral","sentiment_score":0.1540747582912445}],"sentiment":"neutral","sentiment_score":0.12068291381001472,"channel":1,"num_words":4,"start":31.48,"end":32.78},{"sentences":[{"text":"Yep.","start":32.6,"end":33.1,"sentiment":"neutral","sentiment_score":0.16364166140556335},{"text":"Perfect.","start":33.16,"end":33.64,"sentiment":"neutral","sentiment_score":0.30982673168182373},{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please?","start":33.64,"end":40.695,"sentiment":"neutral","sentiment_score":0.0884667276762999}],"sentiment":"neutral","sentiment_score":0.09905726116682802,"channel":0,"num_words":28,"start":32.6,"end":40.695},{"sentences":[{"text":"Okay.","start":41.325,"end":41.725002,"sentiment":"neutral","sentiment_score":0.01884700357913971},{"text":"It's on the '87.","start":41.725002,"end":43.905003,"sentiment":"neutral","sentiment_score":0.013522697845473886},{"text":"409Slash35SSSAP.","start":44.445,"end":47.265,"sentiment":"neutral","sentiment_score":0.021046428009867668}],"sentiment":"neutral","sentiment_score":0.015664037161817152,"channel":1,"num_words":6,"start":41.325,"end":47.265},{"sentences":[{"text":"Yep.","start":47.715,"end":48.035,"sentiment":"neutral","sentiment_score":0.11633604764938354},{"text":"Great.","start":48.035,"end":48.275,"sentiment":"positive","sentiment_score":0.5244656801223755},{"text":"Perfect.","start":48.275,"end":48.755,"sentiment":"positive","sentiment_score":0.550632119178772},{"text":"That's exactly what I have here.","start":48.755,"end":50.614998,"sentiment":"positive","sentiment_score":0.5050360957781473},{"text":"Now I know that you have spoken to my colleague Tommy before, but he's unfortunately off sick today.","start":50.915,"end":56.84,"sentiment":"neutral","sentiment_score":0.0009327992382976743}],"sentiment":"neutral","sentiment_score":0.15697928918180643,"channel":0,"num_words":27,"start":47.715,"end":56.84},{"sentences":[{"text":"So, hopefully, you're okay for speaking with me today.","start":57.46,"end":60.120003,"sentiment":"neutral","sentiment_score":0.1280081851614846}],"sentiment":"neutral","sentiment_score":0.1280081851614846,"channel":0,"num_words":9,"start":57.46,"end":60.120003},{"sentences":[{"text":"No.","start":60.47,"end":60.710003,"sentiment":"neutral","sentiment_score":-0.09681695699691772},{"text":"Of course.","start":60.710003,"end":61.29,"sentiment":"neutral","sentiment_score":-0.06578784808516502}],"sentiment":"neutral","sentiment_score":-0.0761308843890826,"channel":1,"num_words":3,"start":60.47,"end":61.29},{"sentences":[{"text":"Mhmm.","start":61.620003,"end":62.120003,"sentiment":"neutral","sentiment_score":-0.034231215715408325},{"text":"Now I believe you had a couple of questions in regards to potentially accessing super two by a property or something like that.","start":62.74,"end":70.185,"sentiment":"neutral","sentiment_score":-0.03258385614532491}],"sentiment":"neutral","sentiment_score":-0.03265249612741172,"channel":0,"num_words":24,"start":61.620003,"end":70.185},{"sentences":[{"text":"Yes.","start":70.415,"end":70.915,"sentiment":"neutral","sentiment_score":0.022253621369600296}],"sentiment":"neutral","sentiment_score":0.022253621369600296,"channel":1,"num_words":1,"start":70.415,"end":70.915},{"sentences":[{"text":"Yeah.","start":71.445,"end":71.945,"sentiment":"neutral","sentiment_score":0.018567491322755817},{"text":"And in in which way are you thinking or what are you, I guess, hoping to achieve?","start":72.005,"end":76.745,"sentiment":"neutral","sentiment_score":0.014193869250662187}],"sentiment":"neutral","sentiment_score":0.014436848254667388,"channel":0,"num_words":18,"start":71.445,"end":76.745},{"sentences":[{"text":"I don't I like, I don't to be honest, I don't know what are the options.","start":77.935,"end":82.78999,"sentiment":"neutral","sentiment_score":-0.2744165509939194},{"text":"I want","start":82.92999,"end":83.57,"sentiment":"neutral","sentiment_score":-0.12692947685718536}],"sentiment":"neutral","sentiment_score":-0.25802909831206006,"channel":1,"num_words":18,"start":77.935,"end":83.57},{"sentences":[{"text":"Okay.","start":83.35,"end":83.85,"sentiment":"neutral","sentiment_score":-0.060272254049777985}],"sentiment":"neutral","sentiment_score":-0.060272254049777985,"channel":0,"num_words":1,"start":83.35,"end":83.85},{"sentences":[{"text":"to see what yeah.","start":83.57,"end":85.10999,"sentiment":"neutral","sentiment_score":-0.03538635931909084}],"sentiment":"neutral","sentiment_score":-0.03538635931909084,"channel":1,"num_words":4,"start":83.57,"end":85.10999},{"sentences":[{"text":"Yeah.","start":85.51,"end":86.01,"sentiment":"neutral","sentiment_score":-0.016760822385549545}],"sentiment":"neutral","sentiment_score":-0.016760822385549545,"channel":0,"num_words":1,"start":85.51,"end":86.01},{"sentences":[{"text":"But also, I had a question because I was looking like, on Monday, I had ten years at my organization,","start":85.729996,"end":93.509995,"sentiment":"neutral","sentiment_score":-0.04304105695337057}],"sentiment":"neutral","sentiment_score":-0.04304105695337057,"channel":1,"num_words":20,"start":85.729996,"end":93.509995},{"sentences":[{"text":"Mhmm.","start":94.07,"end":94.31,"sentiment":"neutral","sentiment_score":-0.0292949341237545},{"text":"Yeah.","start":94.31,"end":94.545,"sentiment":"neutral","sentiment_score":-0.0036747250705957417}],"sentiment":"neutral","sentiment_score":-0.01648482959717512,"channel":0,"num_words":2,"start":94.07,"end":94.545},{"sentences":[{"text":"which is the job I I got when I first arrived to Australia.","start":94.985,"end":98.765,"sentiment":"neutral","sentiment_score":-0.006167589042049188},{"text":"So but I just want to ask, is my super good for, like, ten years?","start":99.465004,"end":106.44,"sentiment":"neutral","sentiment_score":-0.042788122221827506}],"sentiment":"neutral","sentiment_score":-0.02578573181693043,"channel":1,"num_words":28,"start":94.985,"end":106.44},{"sentences":[{"text":"Yeah.","start":107.265,"end":107.744995,"sentiment":"neutral","sentiment_score":-0.00110541470348835},{"text":"Let me have a look.","start":107.744995,"end":108.705,"sentiment":"neutral","sentiment_score":-0.007982322946190834},{"text":"So if I I start with property first, then","start":108.705,"end":111.3,"sentiment":"neutral","sentiment_score":0.000856312612692515}],"sentiment":"neutral","sentiment_score":-0.0022206810613473256,"channel":0,"num_words":15,"start":107.265,"end":111.3},{"sentences":[{"text":"Okay.","start":111.240005,"end":111.740005,"sentiment":"neutral","sentiment_score":0.03214085102081299}],"sentiment":"neutral","sentiment_score":0.03214085102081299,"channel":1,"num_words":1,"start":111.240005,"end":111.740005},{"sentences":[{"text":"we can definitely deep go into your superannuation, a little bit more and see how that's tracking or if you wanna make, you know, a bit of a review of your situation to see where things are at.","start":111.3,"end":121.4,"sentiment":"neutral","sentiment_score":0.014926265189914327},{"text":"But","start":121.7,"end":122.1,"sentiment":"neutral","sentiment_score":-0.035743795335292816}],"sentiment":"neutral","sentiment_score":0.01362703286875517,"channel":0,"num_words":39,"start":111.3,"end":122.1},{"sentences":[{"text":"Mhmm.","start":121.775,"end":122.275,"sentiment":"neutral","sentiment_score":-0.037789154797792435}],"sentiment":"neutral","sentiment_score":-0.037789154797792435,"channel":1,"num_words":1,"start":121.775,"end":122.275},{"sentences":[{"text":"if we start with property, so there are basically two ways that you can utilize super for property.","start":122.1,"end":128.86499,"sentiment":"neutral","sentiment_score":0.0769501987637745},{"text":"It depends on which way you are looking at.","start":129.72499,"end":132.065,"sentiment":"neutral","sentiment_score":0.09241775174935658},{"text":"Now the if you are wanting to buy a property yourself, or is it more for an investment property you are","start":132.36499,"end":140.43001,"sentiment":"neutral","sentiment_score":0.011646295276780924}],"sentiment":"neutral","sentiment_score":0.05127990717301145,"channel":0,"num_words":48,"start":122.1,"end":140.43001},{"sentences":[{"text":"No.","start":140.34,"end":140.58,"sentiment":"neutral","sentiment_score":-0.060377124696969986}],"sentiment":"neutral","sentiment_score":-0.060377124696969986,"channel":1,"num_words":1,"start":140.34,"end":140.58},{"sentences":[{"text":"thinking?","start":140.43001,"end":140.93001,"sentiment":"neutral","sentiment_score":-0.03726883232593536}],"sentiment":"neutral","sentiment_score":-0.03726883232593536,"channel":0,"num_words":1,"start":140.43001,"end":140.93001},{"sentences":[{"text":"It's for myself.","start":140.58,"end":141.56,"sentiment":"neutral","sentiment_score":-0.016496897985537846}],"sentiment":"neutral","sentiment_score":-0.016496897985537846,"channel":1,"num_words":3,"start":140.58,"end":141.56},{"sentences":[{"text":"Yep.","start":142.19,"end":142.59001,"sentiment":"neutral","sentiment_score":0.14736126363277435},{"text":"Okay.","start":142.59001,"end":143.09001,"sentiment":"neutral","sentiment_score":0.197613388299942},{"text":"So for yourself, there would be, there's only one way you can utilize superannuation to buy a property for you, and that is through a scheme that's called the first home super saver scheme.","start":143.23001,"end":155.685,"sentiment":"neutral","sentiment_score":0.21560732647776604},{"text":"Have you ever heard of that before?","start":155.98499,"end":157.525,"sentiment":"neutral","sentiment_score":0.04869985766708851}],"sentiment":"neutral","sentiment_score":0.18643076176386933,"channel":0,"num_words":43,"start":142.19,"end":157.525},{"sentences":[{"text":"First home.","start":157.935,"end":158.575,"sentiment":"neutral","sentiment_score":0.0058405897580087185},{"text":"Sorry.","start":158.575,"end":158.89499,"sentiment":"neutral","sentiment_score":-0.013450304046273232},{"text":"What?","start":158.89499,"end":159.39499,"sentiment":"neutral","sentiment_score":-0.005459200590848923}],"sentiment":"neutral","sentiment_score":-0.0018070812802761793,"channel":1,"num_words":4,"start":157.935,"end":159.39499},{"sentences":[{"text":"First home super saver scheme.","start":160.22499,"end":163.045,"sentiment":"neutral","sentiment_score":0.012999643757939338}],"sentiment":"neutral","sentiment_score":0.012999643757939338,"channel":0,"num_words":5,"start":160.22499,"end":163.045},{"sentences":[{"text":"So we see a SuperSaver.","start":163.51001,"end":164.81001,"sentiment":"neutral","sentiment_score":0.05799964815378189},{"text":"Okay.","start":165.19,"end":165.51001,"sentiment":"neutral","sentiment_score":0.01122779306024313},{"text":"No.","start":165.51001,"end":165.75,"sentiment":"neutral","sentiment_score":-0.055391550064086914},{"text":"I","start":165.75,"end":165.91,"sentiment":"neutral","sentiment_score":-0.03823431581258774}],"sentiment":"neutral","sentiment_score":0.02595002099405974,"channel":1,"num_words":8,"start":163.51001,"end":165.91},{"sentences":[{"text":"Yeah.","start":165.905,"end":166.2,"sentiment":"neutral","sentiment_score":-0.026052260771393776}],"sentiment":"neutral","sentiment_score":-0.026052260771393776,"channel":0,"num_words":1,"start":165.905,"end":166.2},{"sentences":[{"text":"I never heard of it.","start":165.91,"end":167.37001,"sentiment":"neutral","sentiment_score":-0.03339536339044571}],"sentiment":"neutral","sentiment_score":-0.03339536339044571,"channel":1,"num_words":5,"start":165.91,"end":167.37001},{"sentences":[{"text":"Yeah.","start":167.72,"end":168.12,"sentiment":"neutral","sentiment_score":0.08279823511838913},{"text":"So what it is is that it kind of allows you to save for your first property.","start":168.12,"end":172.62,"sentiment":"neutral","sentiment_score":0.1613314186825472},{"text":"Now you never owned the property before?","start":172.92,"end":175.01999,"sentiment":"neutral","sentiment_score":-0.007418391960007804}],"sentiment":"neutral","sentiment_score":0.11094014436006545,"channel":0,"num_words":25,"start":167.72,"end":175.01999},{"sentences":[{"text":"I 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have quite a few restrictions on utilizing this scheme, and and the eligibility is that you're a first home buyer, and you have never owned a property in Australia before.","start":182.585,"end":196.35,"sentiment":"neutral","sentiment_score":-0.1494256070582196}],"sentiment":"neutral","sentiment_score":-0.13604104207005613,"channel":0,"num_words":43,"start":179.38501,"end":196.35},{"sentences":[{"text":"But but I I bought I bought a house long time a a townhouse long time ago, and I sold it.","start":198.02,"end":203.955,"sentiment":"neutral","sentiment_score":-0.00830295096550669}],"sentiment":"neutral","sentiment_score":-0.00830295096550669,"channel":1,"num_words":21,"start":198.02,"end":203.955},{"sentences":[{"text":"Yes.","start":205.05,"end":205.55,"sentiment":"neutral","sentiment_score":-0.16764459013938904},{"text":"It still unfortunately means that you can't utilize that 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in.","start":922.675,"end":923.39496,"sentiment":"neutral","sentiment_score":0.0625954121351242},{"text":"Let's look into it as well, please.","start":923.39496,"end":925.65497,"sentiment":"neutral","sentiment_score":0.11477137782743999}],"sentiment":"neutral","sentiment_score":0.09911858811974525,"channel":1,"num_words":10,"start":922.675,"end":925.65497},{"sentences":[{"text":"Yep.","start":925.165,"end":925.64496,"sentiment":"neutral","sentiment_score":0.25499507784843445},{"text":"Perfect.","start":925.64496,"end":926.14496,"sentiment":"positive","sentiment_score":0.4216365814208984},{"text":"Now with insurance, there's a couple of options I do wanna run through with you just to make sure I can get what you would like.","start":926.925,"end":933.425,"sentiment":"neutral","sentiment_score":0.21149844361039308},{"text":"You have your life cover.","start":934.52496,"end":935.985,"sentiment":"neutral","sentiment_score":0.13350386619567872},{"text":"So life cover, pretty 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same amount of 215,000.","start":1148.06,"end":1151.12,"sentiment":"neutral","sentiment_score":0.01467910741588899},{"text":"This cover is different because this one is designed for if something were to happen to you and you cannot go back to work.","start":1151.5801,"end":1158.525,"sentiment":"neutral","sentiment_score":-0.007576698592553536},{"text":"So if you are totally or permanently disabled, then you can never go back to work again.","start":1158.5851,"end":1163.7251,"sentiment":"neutral","sentiment_score":0.0007385428556624581},{"text":"It is a lump sum payment paid out to you to obviously assist you if you can't 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enough.","start":1581.125,"end":1583.465,"sentiment":"neutral","sentiment_score":-0.27518403232097627}],"sentiment":"neutral","sentiment_score":-0.27518403232097627,"channel":1,"num_words":5,"start":1581.125,"end":1583.465},{"sentences":[{"text":"Yep.","start":1584.04,"end":1584.54,"sentiment":"neutral","sentiment_score":-0.035740580409765244},{"text":"Well, do you I can I can change it through, like, 1,500 or 2,000?","start":1584.84,"end":1588.6799,"sentiment":"neutral","sentiment_score":-0.01602989625618128},{"text":"So what do you think is, you know, you would need for for you at the moment?","start":1588.6799,"end":1593.64,"sentiment":"neutral","sentiment_score":-0.01625199013334863},{"text":"Do you think 2,000 would be a bit more, like, per week, or do you think, like, 1,500?","start":1593.64,"end":1599.475,"sentiment":"neutral","sentiment_score":-0.013238997211576335}],"sentiment":"neutral","sentiment_score":-0.01549489820143208,"channel":0,"num_words":50,"start":1584.04,"end":1599.475},{"sentences":[{"text":"Let's say 1,500.","start":1599.9249,"end":1601.465,"sentiment":"neutral","sentiment_score":-0.0002832396421581507}],"sentiment":"neutral","sentiment_score":-0.0002832396421581507,"channel":1,"num_words":3,"start":1599.9249,"end":1601.465},{"sentences":[{"text":"1,500?","start":1601.455,"end":1602.335,"sentiment":"neutral","sentiment_score":0.01152725424617529},{"text":"Alright.","start":1602.335,"end":1602.575,"sentiment":"neutral","sentiment_score":0.08202970027923584},{"text":"I will update 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+1.","start":1606.085,"end":1607.1449,"sentiment":"neutral","sentiment_score":0.044968381524086}],"sentiment":"neutral","sentiment_score":0.044968381524086,"channel":1,"num_words":2,"start":1606.085,"end":1607.1449},{"sentences":[{"text":"I +1.","start":1606.495,"end":1608.255,"sentiment":"neutral","sentiment_score":0.028482386842370033},{"text":"Yep.","start":1608.255,"end":1608.6549,"sentiment":"neutral","sentiment_score":0.11203466355800629},{"text":"Perfect.","start":1608.6549,"end":1609.1549,"sentiment":"neutral","sentiment_score":0.28349769115448},{"text":"So, although I will go and do this research","start":1609.5349,"end":1612.09,"sentiment":"neutral","sentiment_score":0.14637108726633918}],"sentiment":"neutral","sentiment_score":0.1361413010610984,"channel":0,"num_words":13,"start":1606.495,"end":1612.09},{"sentences":[{"text":"Thank","start":1612.005,"end":1612.325,"sentiment":"positive","sentiment_score":0.43224674463272095}],"sentiment":"positive","sentiment_score":0.43224674463272095,"channel":1,"num_words":1,"start":1612.005,"end":1612.325},{"sentences":[{"text":"for you.","start":1612.09,"end":1612.6699,"sentiment":"positive","sentiment_score":0.5546590685844421}],"sentiment":"positive","sentiment_score":0.5546590685844421,"channel":0,"num_words":2,"start":1612.09,"end":1612.6699},{"sentences":[{"text":"you.","start":1612.325,"end":1612.565,"sentiment":"positive","sentiment_score":0.3458922505378723},{"text":"Appreciate it.","start":1612.565,"end":1613.46,"sentiment":"positive","sentiment_score":0.48904500901699066}],"sentiment":"positive","sentiment_score":0.44132742285728455,"channel":1,"num_words":3,"start":1612.325,"end":1613.46},{"sentences":[{"text":"Cool.","start":1613.21,"end":1613.69,"sentiment":"neutral","sentiment_score":0.2371699959039688},{"text":"No.","start":1613.69,"end":1613.9299,"sentiment":"neutral","sentiment_score":-0.020455967634916306},{"text":"That's okay.","start":1613.9299,"end":1614.75,"sentiment":"neutral","sentiment_score":0.0021466840989887714},{"text":"Is there anything else you would like me to research or look at for you or just kinda","start":1614.97,"end":1619.69,"sentiment":"neutral","sentiment_score":0.024973483859664865}],"sentiment":"neutral","sentiment_score":0.030478641179136255,"channel":0,"num_words":22,"start":1613.21,"end":1619.69},{"sentences":[{"text":"No.","start":1619.5399,"end":1620.0399,"sentiment":"neutral","sentiment_score":-0.10221600532531738}],"sentiment":"neutral","sentiment_score":-0.10221600532531738,"channel":1,"num_words":1,"start":1619.5399,"end":1620.0399},{"sentences":[{"text":"focusing on that for now?","start":1619.69,"end":1621.1499,"sentiment":"neutral","sentiment_score":-0.09506378248333931}],"sentiment":"neutral","sentiment_score":-0.09506378248333931,"channel":0,"num_words":5,"start":1619.69,"end":1621.1499},{"sentences":[{"text":"All good.","start":1621.22,"end":1621.62,"sentiment":"positive","sentiment_score":0.5055953562259674},{"text":"Thank you so much,","start":1621.62,"end":1622.4199,"sentiment":"positive","sentiment_score":0.7146306335926056}],"sentiment":"positive","sentiment_score":0.6449522078037262,"channel":1,"num_words":6,"start":1621.22,"end":1622.4199},{"sentences":[{"text":"Yep.","start":1622.25,"end":1622.75,"sentiment":"positive","sentiment_score":0.42705005407333374}],"sentiment":"positive","sentiment_score":0.42705005407333374,"channel":0,"num_words":1,"start":1622.25,"end":1622.75},{"sentences":[{"text":"sir.","start":1622.4199,"end":1622.58,"sentiment":"positive","sentiment_score":0.44195473194122314},{"text":"I appreciate your","start":1622.58,"end":1623.2999,"sentiment":"positive","sentiment_score":0.5589770078659058}],"sentiment":"positive","sentiment_score":0.5297214388847351,"channel":1,"num_words":4,"start":1622.4199,"end":1623.2999},{"sentences":[{"text":"No","start":1623.2899,"end":1623.61,"sentiment":"positive","sentiment_score":0.35824695229530334}],"sentiment":"positive","sentiment_score":0.35824695229530334,"channel":0,"num_words":1,"start":1623.2899,"end":1623.61},{"sentences":[{"text":"time.","start":1623.2999,"end":1623.7999,"sentiment":"neutral","sentiment_score":0.29351919889450073}],"sentiment":"neutral","sentiment_score":0.29351919889450073,"channel":1,"num_words":1,"start":1623.2999,"end":1623.7999},{"sentences":[{"text":"no problem at all.","start":1623.61,"end":1624.485,"sentiment":"neutral","sentiment_score":0.27792999148368835},{"text":"Now it will take a couple of weeks for me to get this research together.","start":1624.565,"end":1627.545,"sentiment":"neutral","sentiment_score":0.13358138352632523},{"text":"As soon as I do, though, I will give you a call, and I will run through the options, and then you can let me know what you would like to do.","start":1627.6849,"end":1633.545,"sentiment":"neutral","sentiment_score":0.18972307234071195}],"sentiment":"neutral","sentiment_score":0.18012900066141987,"channel":0,"num_words":51,"start":1623.61,"end":1633.545},{"sentences":[{"text":"Okay.","start":1633.875,"end":1634.275,"sentiment":"neutral","sentiment_score":0.19097444415092468},{"text":"Of course.","start":1634.275,"end":1634.755,"sentiment":"neutral","sentiment_score":0.2453146055340767},{"text":"Thank you so much.","start":1634.755,"end":1635.8151,"sentiment":"positive","sentiment_score":0.7588989436626434}],"sentiment":"positive","sentiment_score":0.5310284899813789,"channel":1,"num_words":7,"start":1633.875,"end":1635.8151},{"sentences":[{"text":"No problem at all.","start":1636.005,"end":1636.725,"sentiment":"positive","sentiment_score":0.6638868004083633},{"text":"I hope you have a lovely afternoon, and I look forward to speaking with you soon again.","start":1636.725,"end":1640.417,"sentiment":"positive","sentiment_score":0.7937301818062278}],"sentiment":"positive","sentiment_score":0.7689981091590155,"channel":0,"num_words":21,"start":1636.005,"end":1640.417},{"sentences":[{"text":"Thank you.","start":1640.637,"end":1641.0369,"sentiment":"positive","sentiment_score":0.7338928282260895},{"text":"Take care.","start":1641.0369,"end":1641.7769,"sentiment":"positive","sentiment_score":0.6449714004993439}],"sentiment":"positive","sentiment_score":0.6894321143627167,"channel":1,"num_words":4,"start":1640.637,"end":1641.7769},{"sentences":[{"text":"Thanks.","start":1641.277,"end":1641.777,"sentiment":"positive","sentiment_score":0.6625221967697144},{"text":"Thanks.","start":1641.917,"end":1642.317,"sentiment":"positive","sentiment_score":0.6157126426696777},{"text":"You","start":1642.317,"end":1642.557,"sentiment":"positive","sentiment_score":0.4283903837203979}],"sentiment":"positive","sentiment_score":0.5688750743865967,"channel":0,"num_words":3,"start":1641.277,"end":1642.557},{"sentences":[{"text":"Bye.","start":1642.5569,"end":1643.0569,"sentiment":"positive","sentiment_score":0.3652499318122864}],"sentiment":"positive","sentiment_score":0.3652499318122864,"channel":1,"num_words":1,"start":1642.5569,"end":1643.0569},{"sentences":[{"text":"too.","start":1642.557,"end":1643.057,"sentiment":"neutral","sentiment_score":0.3121040463447571},{"text":"Bye.","start":1643.117,"end":1643.597,"sentiment":"neutral","sentiment_score":0.17072510719299316}],"sentiment":"neutral","sentiment_score":0.24141457676887512,"channel":0,"num_words":2,"start":1642.557,"end":1643.597},{"sentences":[{"text":"Bye bye.","start":1643.4369,"end":1644.0769,"sentiment":"neutral","sentiment_score":0.1474183201789856}],"sentiment":"neutral","sentiment_score":0.1474183201789856,"channel":1,"num_words":2,"start":1643.4369,"end":1644.0769},{"sentences":[{"text":"Bye.","start":1643.597,"end":1644.097,"sentiment":"neutral","sentiment_score":0.12959526479244232}],"sentiment":"neutral","sentiment_score":0.12959526479244232,"channel":0,"num_words":1,"start":1643.597,"end":1644.097},{"sentences":[{"text":"Bye.","start":1644.0769,"end":1644.3969,"sentiment":"neutral","sentiment_score":0.11344217509031296},{"text":"Bye.","start":1644.3969,"end":1644.8969,"sentiment":"neutral","sentiment_score":-0.11808853596448898}],"sentiment":"neutral","sentiment_score":-0.0023231804370880127,"channel":1,"num_words":2,"start":1644.0769,"end":1644.8969}]},"summary":{"result":"success","short":"Representatives from OQ Financial and OQ Financial discuss the super saver scheme, which allows individuals to save on their first property through a scheme called the first home super saver scheme. The scheme is designed for investment property and has restrictions on its usage. The speaker recommends reviewing investments and adjusting contributions if necessary, and discusses the benefits of high growth portfolios and life cover options. The agent recommends a portfolio of high risk investments and explains the benefits of high growth investments, including maximum growth and flexible compliance. The customer is interested in the policy and the agent promises to provide more information and research more details."},"intents":{"segments":[{"text":"And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Okay.","start_word":89,"end_word":115,"intents":[{"intent":"Confirm speaker's information","confidence_score":0.00020232204},{"intent":"Confirm identity","confidence_score":0.47079936}]},{"text":"Now I believe you had a couple of questions in regards to potentially accessing super two by a property or something like that. Yes. Yeah.","start_word":161,"end_word":185,"intents":[{"intent":"Access super two by property","confidence_score":0.00074330997},{"intent":"Discuss superannuation options","confidence_score":0.0030233965}]},{"text":"So for yourself, there would be, there's only one way you can utilize superannuation to buy a property for you, and that is through a scheme that's called the first home super saver scheme. Have you ever heard of that before?","start_word":388,"end_word":428,"intents":[{"intent":"Promote super saver scheme","confidence_score":0.07340682}]},{"text":"So it is it is quite it is quite a different structure to superannuation in that it's for you to manage yourself. So you will be the trustee of the superannuation fund. You would have to comply with all the legislation and the ruling and everything like that. Mhmm.","start_word":749,"end_word":797,"intents":[{"intent":"Compare superannuation practices","confidence_score":6.2266616e-7}]},{"text":"And now if we're looking at your superannuation as well, now do you often go and have a look at your superannuation?","start_word":995,"end_word":1016,"intents":[{"intent":"Review superannuation","confidence_score":0.29295197}]},{"text":"And you said that you migrated from somewhere else about ten years ago, did you say? Yes. Yeah.","start_word":1048,"end_word":1065,"intents":[{"intent":"Explore migration patterns","confidence_score":0.0015814503}]},{"text":"And did you get any super or anything over there, or does it work quite differently? No.","start_word":1084,"end_word":1100,"intents":[{"intent":"Request data on future growth","confidence_score":2.4389392e-8}]},{"text":"So a lot of it does come into play with how your money is invested, what your income is to oversee your employer contribution, and then also the additional contributions that you are making. But what Mhmm.","start_word":1242,"end_word":1278,"intents":[{"intent":"Discuss investment status","confidence_score":0.052002158}]},{"text":"But it is always good to review your investments, especially because there's been a lot of changes in the market and the world the Yes.","start_word":1497,"end_word":1521,"intents":[{"intent":"Review investments","confidence_score":0.20905758}]},{"text":"would like Sure. to to to look at swapping that for you. So Okay.","start_word":1744,"end_word":1757,"intents":[{"intent":"Swap investments","confidence_score":0.16142994}]},{"text":"so from from from today, I will go and do some research on your investment. I will then put together a a plan for you, and then I will run that through with you, and then you can decide if you would like to go ahead with the change. Thanks.","start_word":1759,"end_word":1808,"intents":[{"intent":"Confirm decision","confidence_score":0.0044662934}]},{"text":"So I do wanna check with you as well.","start_word":1868,"end_word":1876,"intents":[{"intent":"Check with speaker","confidence_score":0.35865983}]},{"text":"something that's called a SMA.","start_word":1907,"end_word":1911,"intents":[{"intent":"Create sma","confidence_score":0.0034537772}]},{"text":"The SMA works a little bit differently because that basically says that you are invested in a portfolio. Now in that portfolio, we can then chop and change investments very quickly if we feel like it's the right thing for you without having to go through kind of, like, the the lengthier research process. So we can do Okay.","start_word":2014,"end_word":2072,"intents":[{"intent":"Discuss portfolio changes","confidence_score":0.11551718}]},{"text":"is good especially if there are things that are changing quickly. It speeds up the compliance process.","start_word":2084,"end_word":2100,"intents":[{"intent":"Accelerate compliance process","confidence_score":0.19498233}]},{"text":"is good especially if there are things that are changing quickly. It speeds up the compliance process. Yes.","start_word":2084,"end_word":2101,"intents":[{"intent":"Make investments quickly","confidence_score":0.0020919107}]},{"text":"So I'll consider that option for you as well because it does make it a bit quicker, especially that we can do those a bit more of the active management for you quickly.","start_word":2106,"end_word":2138,"intents":[{"intent":"Recommend investment options","confidence_score":0.0005924039}]},{"text":"Now I do wanna confirm as well that at the moment, we have you in a high growth portfolio. So with the SMA, there are still a lot of different investment options that we can choose from.","start_word":2213,"end_word":2249,"intents":[{"intent":"Discuss investment options","confidence_score":0.054535527},{"intent":"Discuss investment options","confidence_score":0.024649957}]},{"text":"Now a high growth portfolio is that you are obviously wanting to maximize growth as much as possible while you do have, you know, plenty of time until retirement. You are kind of comfortable seeing a bit of fluctuations short term in order to try and grow your super more long term. And, Yes.","start_word":2250,"end_word":2303,"intents":[{"intent":"Maximize growth","confidence_score":0.87838775}]},{"text":"typically, we see about 90% invested in what we would call your growth investments. So that is your Australian equities, your international equities, and property and commodities, and that is ultimately what's going to maximize that growth for you. Okay.","start_word":2304,"end_word":2343,"intents":[{"intent":"Determine preferred investment type","confidence_score":0.000041589425}]},{"text":"But I just And want then to ask you for something. yes.","start_word":2454,"end_word":2465,"intents":[{"intent":"Ask for help","confidence_score":0.00745935}]},{"text":"When I first joined, I was looking into insurance, and they want to book me with the what's their company name? It starts with t.","start_word":2465,"end_word":2489,"intents":[{"intent":"Discuss insurance options","confidence_score":0.63047016}]},{"text":"So life cover, pretty straightforward. It's obviously if something were to happen to you, that would then be left left to your loved ones. So at the moment, you have about 215,000 worth of life cover.","start_word":2728,"end_word":2763,"intents":[{"intent":"Confirm life cover","confidence_score":0.030253831}]},{"text":"you have any debts that you would like to be, you know, cleared for your family?","start_word":2869,"end_word":2884,"intents":[{"intent":"Clear debts","confidence_score":0.5154516}]},{"text":"Do you have any Do you have any personal loans, or do you owe anything like a car loan, or do you have any Yeah.","start_word":2885,"end_word":2909,"intents":[{"intent":"Ask for personal loans","confidence_score":0.014763817},{"intent":"Inquire about personal loans","confidence_score":0.17165494},{"intent":"Ask about personal loans","confidence_score":0.38634828},{"intent":"Inquire about personal loans","confidence_score":0.1539417},{"intent":"Inquire about personal loans","confidence_score":0.1419751}]},{"text":"At how much is on the car loan roughly? Do you know? It's like 45. About 45. And how much is the car worth? Do you It's 4 know? to around 60 About gram. 60. Okay. Perfect. Do you have any personal loans or anything like that Yes. yet? And do you know roughly how much you have? It's 40 Oh.","start_word":2923,"end_word":2983,"intents":[{"intent":"Provide a more general understanding","confidence_score":1.6824703e-8}]},{"text":"And how much is the car worth?","start_word":2940,"end_word":2946,"intents":[{"intent":"Ask about car worth","confidence_score":0.053388063}]},{"text":"And do you know roughly how much you have? It's 40 Oh.","start_word":2972,"end_word":2983,"intents":[{"intent":"Ask about phone number","confidence_score":0.000016916507}]},{"text":"So this is still talking about life cover, but, obviously, if something were to happen to you, your household won't have your income. So sometimes what people allocate is a couple of years' worth of your income replacement to give that kind of, you know, financial support to your family. Mhmm.","start_word":3066,"end_word":3116,"intents":[{"intent":"Ask about family allocation","confidence_score":0.011976322},{"intent":"Ask about life cover","confidence_score":0.0042081685},{"intent":"Provide financial support","confidence_score":0.0135478685}]},{"text":"It based on what you are telling me. But when I was with the previous superannuation Yeah. funds, I think Mhmm. it was 400. Okay. But Let's how have much am a I paying the year of the month for this $2.50 or 2 yes.","start_word":3191,"end_word":3235,"intents":[{"intent":"Calculate coverage levels","confidence_score":0.0003364166}]},{"text":"So income protection have you ever heard of income protection before?","start_word":3549,"end_word":3559,"intents":[{"intent":"Clarify coverage of income protection","confidence_score":2.5978278e-7}]},{"text":"Now the last cover, it's one that's called a trauma insurance. Have you ever heard of trauma insurance before?","start_word":3850,"end_word":3868,"intents":[{"intent":"Discuss trauma insurance coverage","confidence_score":0.018094786}]},{"text":"And it's it's about a $100 a month in salary sacrifice that you do?","start_word":4192,"end_word":4205,"intents":[{"intent":"Updating salary sacrifice","confidence_score":0.0027067235}]},{"text":"I'm looking into increasing it. Yeah.","start_word":4210,"end_word":4215,"intents":[{"intent":"Inquiring about increase in super","confidence_score":0.00073876214}]},{"text":"And I do have here that your goals for superannuation right now is just to kinda maximize that as much as possible. And, ideally, you wanna access super when you turn 65 and then Mhmm. kind of draw an income ideally from super when you retire of about 1,250 per week. Is that still all the same? 1,250 per week.","start_word":4322,"end_word":4381,"intents":[{"intent":"Discussing financial goals","confidence_score":0.0055832043}]},{"text":"So what do you think is, you know, you would need for for you at the moment? Do you think 2,000 would be a bit more, like, per week, or do you think, like, 1,500?","start_word":4432,"end_word":4466,"intents":[{"intent":"Explaining need for more money","confidence_score":0.00888937}]},{"text":"So, although I will go and do this research Thank for you. you.","start_word":4486,"end_word":4498,"intents":[{"intent":"Adding to research","confidence_score":0.00024325078}]},{"text":"Appreciate it. Cool.","start_word":4499,"end_word":4501,"intents":[{"intent":"Expressing gratitude","confidence_score":0.066947445}]}]},"sentiments":{"segments":[{"text":"Morning. Ubay speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.04927576705813408},{"text":"Good morning.","start_word":3,"end_word":4,"sentiment":"positive","sentiment_score":0.3803541362285614},{"text":"This is Veronica from OQ Financial. How are you this morning?","start_word":5,"end_word":15,"sentiment":"neutral","sentiment_score":0.2995501756668091},{"text":"Good.","start_word":16,"end_word":16,"sentiment":"positive","sentiment_score":0.39352545142173767},{"text":"And you?","start_word":17,"end_word":18,"sentiment":"neutral","sentiment_score":0.267741322517395},{"text":"I'm good. Thanks. Thanks I for calling.","start_word":19,"end_word":25,"sentiment":"positive","sentiment_score":0.5593194961547852},{"text":"no. That's okay. I had you booked you in for a little bit of a catch up. Is now still a good time for you? Yes. Yep.","start_word":26,"end_word":52,"sentiment":"neutral","sentiment_score":0.16536492109298706},{"text":"Perfect.","start_word":53,"end_word":53,"sentiment":"positive","sentiment_score":0.3348884880542755},{"text":"Now just before I do go any further, I just need to let you know that our calls are being recorded for quality and coaching purposes, if that's okay. Yes. Sure. No problem. Yep. Perfect. And just to confirm I am speaking with the right person, could you just confirm your full name, date of birth, and address for me, please? Okay. It's on the '87. 409Slash35SSSAP. Yep.","start_word":54,"end_word":121,"sentiment":"neutral","sentiment_score":0.07479790598154068},{"text":"Great. Perfect. That's exactly what I have here.","start_word":122,"end_word":129,"sentiment":"positive","sentiment_score":0.5158786773681641},{"text":"Now I know that you have spoken to my colleague Tommy before, but he's unfortunately off sick today. So, hopefully, you're okay for speaking with me today. No. Of course. Mhmm. Now I believe you had a couple of questions in regards to potentially accessing super two by a property or something like that. Yes. Yeah. And in in which way are you thinking or what are you, I guess, hoping to achieve? I don't I like, I don't to be honest, I don't know what are the options. I want Okay. to see what yeah. Yeah. But also, I had a question because I was looking like, on Monday, I had ten years at my organization, Mhmm. Yeah. which is the job I I got when I first arrived to Australia. So but I just want to ask, is my super good for, like, ten years? Yeah. Let me have a look. So if I I start with property first, then Okay. we can definitely deep go into your superannuation, a little bit more and see how that's tracking or if you wanna make, you know, a bit of a review of your situation to see where things are at. But Mhmm. if we start with property, so there are basically two ways that you can utilize super for property. It depends on which way you are looking at. Now the if you are wanting to buy a property yourself, or is it more for an investment property you are No. thinking? It's for myself. Yep. Okay. So for yourself, there would be, there's only one way you can utilize superannuation to buy a property for you, and that is through a scheme that's called the first home super saver scheme. Have you ever heard of that before? First home. Sorry. What? First home super saver scheme. So we see a SuperSaver. Okay. No. I Yeah. I never heard of it. Yeah. So what it is is that it kind of allows you to save for your first property. Now you never owned the property before? I did. You did? Okay. Yeah. Because that means that you won't be able to utilize it. They do have quite a few restrictions on utilizing this scheme, and and the eligibility is that you're a first home buyer, and you have never owned a property in Australia before. But but I I bought I bought a house long time a a townhouse long time ago, and I sold it. Yes.","start_word":130,"end_word":547,"sentiment":"neutral","sentiment_score":0.0028895533746152975},{"text":"It still unfortunately means that you can't utilize that scheme. It's only designed for buying your first property, whether that would be, you know, a land or anything like that, investment property. If you bought a a property before, it means that you can't utilize the scheme. That is the restriction, the legislation for the scheme. Even so, it's quite limited that even if you were eligible, it is still quite limited on what you can use.","start_word":548,"end_word":624,"sentiment":"negative","sentiment_score":-0.44617635011672974},{"text":"So you can only take up through a maximum of 15,000 in each financial year up through a max of 50, and it's only utilizing extra contributions that you've used into super.","start_word":625,"end_word":656,"sentiment":"neutral","sentiment_score":-0.28913816809654236},{"text":"So it is quite limited in in that way. But if you unfortunately have owned a property before, even if it was, you know, five, ten, or even if it, you know, was thirty years ago, you wouldn't be able to use it, unfortunately. It's only if you bought your first ever home.","start_word":657,"end_word":709,"sentiment":"negative","sentiment_score":-0.48922058996164575},{"text":"Okay. What about investment? Yep. So if it is for an investment property, the only way that you can utilize superannuation is through a self managed super fund. Have you heard Mhmm. of that before? Self managed. No. Yeah. So it is it is quite it is quite a different structure to superannuation in that it's for you to manage yourself. So you will be the trustee of the superannuation fund. You would have to comply with all the legislation and the ruling and everything like that. Mhmm. So it's quite it is quite complex.","start_word":710,"end_word":804,"sentiment":"neutral","sentiment_score":-0.007680267561227083},{"text":"It's great for some people, but it's definitely not for everyone. And it's also very, very expensive to set up.","start_word":805,"end_word":824,"sentiment":"negative","sentiment_score":-0.4266756772994995},{"text":"And also all the running costs associated with a self managed super fund because you have to get a yearly audit and reporting and accounting with it. Now, typically, as well, to even make it cost affordable, says that you need at least a minimum of 250,000 in super, and some even says 500,000 in super to even make it, you know, Okay. affordable So it's for fees. Yeah. So maybe okay. something down the track, but I think where we are at at the moment, Mhmm. the the self minute super fund, I wouldn't suggest because it would just basically take away all your superannuation and retirement savings with the fees alone. Mhmm. Okay. Alright. Alright. Thanks If for any the information. no. That's okay. Obviously, if anything is something that we're always keeping an eye on, though, see if there's any other schemes of legislation that change, I'll definitely keep it in mind for you. But, yeah, at the moment, there is only those two, unfortunately. Okay. And now if we're looking at your superannuation as well, now do you often go and have a look at your superannuation? Okay. Yep. Okay.","start_word":825,"end_word":1018,"sentiment":"neutral","sentiment_score":-0.09103056596419246},{"text":"Perfect.","start_word":1019,"end_word":1019,"sentiment":"positive","sentiment_score":0.5967839956283569},{"text":"Now let me go into your account here quickly. Now at the moment, as of today, you have a hundred and twenty thousand and nine hundred and five. And you said that you migrated from somewhere else about ten years ago, did you say? Yes. Yeah. Perfect. And where where was where did you migrate I I was from? living in Jordan. Oh, nice. And did you get any super or anything over there, or does it work quite differently? No. No. Different differently. Yeah. I definitely So know I start that. I started fresh ten years ago with Yeah. the first Subaru here. Yeah. And you've done pretty well in just ten years, to be fair, because I was in a very similar situation. I moved to Australia about thirteen years ago now from Sweden, and I had to start completely fresh as well. And the system works very differently, and it can be very confusing. But if you've kind of only been doing it for ten years, really, where you are at right now, it's actually doing pretty good, especially if you've only been doing it for ten years. Like, we have some clients in a similar age to you that have similar balance to what you have now, and they've been working since they were, like, 18 and stuff. So a lot of it does come into play with how your money is invested, what your income is to oversee your employer contribution, and then also the additional contributions that you are making. But what Mhmm. I can for you, if you would like, because it's been a little while since you had an, you know, an updated SOA and a bit of review of where you are tracking at, that if you would like me to, I'm happy to do some research on your superannuation just to see, obviously, your investments and how things are going, and then do kind of an updated projection to see, you know, where things are at at the moment, if you would Okay. like me to do that. Yes, please. But, Yeah. like, Yep. the way I'm thinking of it, like, 120,120 thousand on ten years means 12,000 per year, which is not bad. Right? Yeah. No.","start_word":1020,"end_word":1396,"sentiment":"neutral","sentiment_score":0.1237226477589468},{"text":"It's actually done like, for only being ten years, you've done pretty good both, you know, where you where your super's at, which is actually very good in in ten years. So things are, I think, as well because, obviously, you have you're super invested in a high growth portfolio. You are making extra contributions, which does make a big difference. And with with time as well, it's it's definitely compounding. So it has done, you know, pretty good the last couple of years, which is great, and you're doing all the right things to kind of boost Mhmm.","start_word":1397,"end_word":1495,"sentiment":"positive","sentiment_score":0.5212661623954773},{"text":"it. But it is always good to review your investments, especially because there's been a lot of changes in the market and the world the Yes. last couple of years and definitely more recently. And I did so it's always good to do. And I did have a look at your portfolio Overall, most of your investments have done pretty good, but there is one particular investment that has underperformed, which I would like to look at changing if you were happy to do so. Yeah. Now But I thought I thought yeah. that this is done directly by Oak. Like, I don't touch like, I don't change anything because our my agreement when I moved to to Hub twenty four and with Oakview that they will do all all of this. Right? Mhmm. Yes. So we do everything, but has to be with your consent. So for Okay. us Yeah. No. Of yeah. course. Of course. So so we we will definitely we manage all the investments on your behalf. So Okay. that's definitely what we do. Alright.","start_word":1496,"end_word":1674,"sentiment":"neutral","sentiment_score":0.06881342828273773},{"text":"We Awesome.","start_word":1675,"end_word":1676,"sentiment":"positive","sentiment_score":0.39272019267082214},{"text":"do the research, and if we obviously foresee that there is one investment so right now, we have done the research, and one of the investments that we currently have you in, I would like to look at changing. Historically, it has done well. So when he came on board, it's done really well.","start_word":1677,"end_word":1730,"sentiment":"neutral","sentiment_score":0.10986503130859798},{"text":"But at the moment, right now, it's kind of underperforming.","start_word":1731,"end_word":1740,"sentiment":"negative","sentiment_score":-0.3520823121070862},{"text":"So we Okay. would like Sure. to to to look at swapping that for you. So Okay.","start_word":1741,"end_word":1757,"sentiment":"neutral","sentiment_score":0.05775994807481766},{"text":"Absolutely.","start_word":1758,"end_word":1758,"sentiment":"positive","sentiment_score":0.34733909368515015},{"text":"so from from from today, I will go and do some research on your investment. I will then put together a a plan for you, and then I will run that through with you, and then you can decide if you would like to go ahead with the change.","start_word":1759,"end_word":1807,"sentiment":"neutral","sentiment_score":0.23326058685779572},{"text":"Thanks.","start_word":1808,"end_word":1808,"sentiment":"positive","sentiment_score":0.4743824899196625},{"text":"Okay.","start_word":1809,"end_word":1809,"sentiment":"neutral","sentiment_score":0.2813476026058197},{"text":"Awesome.","start_word":1810,"end_word":1810,"sentiment":"positive","sentiment_score":0.4626535773277282},{"text":"Yep. The reason I asked, I thought that I'm doing something wrong or I I'm not doing it. So I just want to confirm. But, Yeah. yeah, No. that's We do great. that. And I do wanna also let you know, I'm not sure if you have read our newsletter or anything like that recently. Yeah. Yeah. So I do wanna check with you as well. I'll go and do the research regardless, but we have recently merged with BlackRock, which you may have heard of, say, one of the biggest investment managers, and created Yes. something that's called a SMA. So that one is a little bit different. It is a self managed account. How that one works is at the moment, if you go into hub twenty four, you will see all your individual investments. You have full oversight of everything. And if we wanna go and make a change, like we're looking at potentially doing now, we will go and do the research, put together a plan for you, and then you will have to let me know. Yep. Okay.","start_word":1811,"end_word":1993,"sentiment":"neutral","sentiment_score":0.06533113121986389},{"text":"I'm happy with that change.","start_word":1994,"end_word":1998,"sentiment":"positive","sentiment_score":0.51945561170578},{"text":"Then we can do it. So it's a bit more compliance and paperwork behind it. The SMA works a little bit differently because that basically says that you are invested in a portfolio. Now in that portfolio, we can then chop and change investments very quickly if we feel like it's the right thing for you without having to go through kind of, like, the the lengthier research process. So we can do Okay. it all very quickly in the back end, which Yes.","start_word":1999,"end_word":2082,"sentiment":"neutral","sentiment_score":0.18140488862991333},{"text":"is good especially if there are things that are changing quickly. It speeds up the compliance process.","start_word":2083,"end_word":2099,"sentiment":"positive","sentiment_score":0.6153944134712219},{"text":"Yes. The only thing yep. Okay. So I'll consider that option for you as well because it does make it a bit quicker, especially that we can do those a bit more of the active management for you quickly. And it's with BlackRock and the investment committee, which Okay.","start_word":2100,"end_word":2148,"sentiment":"neutral","sentiment_score":0.24806277453899384},{"text":"are massive.","start_word":2149,"end_word":2150,"sentiment":"positive","sentiment_score":0.45842498540878296},{"text":"So I'll have a look at that for you. As long as you Sure. are comfortable, you know, with us kind of making those changes in the back end, you will still be notified of all the changes, of course, but we can do it a bit quicker for you. Okay. No. No. That's Yeah?","start_word":2151,"end_word":2205,"sentiment":"neutral","sentiment_score":0.21299265325069427},{"text":"perfect. I'd love Yep. that here. Perfect.","start_word":2206,"end_word":2212,"sentiment":"positive","sentiment_score":0.4437744617462158},{"text":"Now I do wanna confirm as well that at the moment, we have you in a high growth portfolio. So with the SMA, there are still a lot of different investment options that we can choose from. Now a high growth portfolio is that you are obviously wanting to maximize growth as much as possible while you do have, you know, plenty of time until retirement. You are kind of comfortable seeing a bit of fluctuations short term in order to try and grow your super more long term. And, Yes. typically, we see about 90% invested in what we would call your growth investments. So that is your Australian equities, your international equities, and property and commodities, and that is ultimately what's going to maximize that growth for you. Okay. And then we have about 10% in defensive investments, like your cash, your gold, your fixed interest, for example. Mhmm. And when we are looking at a a time frame, so making sure that you have enough time in the market for those fluctuations, in a high portfolio, we do wanna allow at least eight years until retirement. So it's definitely suitable for you from a time frame point of view. If you are still comfortable with the same kind of risk profile allocation, Just look to change a few things. Are you still comfortable with Mhmm. the Yeah. high Yeah. growth Absolutely. portfolio? Yep. Yes. Absolutely.","start_word":2213,"end_word":2450,"sentiment":"neutral","sentiment_score":0.14599770307540894},{"text":"Great. Perfect.","start_word":2451,"end_word":2452,"sentiment":"positive","sentiment_score":0.4985791742801666},{"text":"But I just And want then to ask you for something. yes. When I first joined, I was looking into insurance, and they want to book me with the what's their company name? It starts with t. How, potentially? Tal. Yes. Yes. With tal. Mhmm. And something happened because I was then using the the CBAP machine. Yes. And there's something with the report and everything just, Mhmm. like, went crazy, and then at the end, did not work. Okay. And Yes. then I they do just have. Yeah. did yeah. They just did they put me on a small insurance. But Okay. now I'm not using this device for two years at all. Okay. Yeah. Well, what I can do because I did have a note actually wanting to talk to you about it because I did have a look through your file. And I think at the time, I think it was around November or so, I think the only reason why we didn't proceed with it because I think you were waiting for, like, a a tonsil surgery or something, quite minor, at the time. And like you said as well, if you've been offered for three years now and you don't have any other health issues, we can definitely go down and look at your insurance at the same time if you would like. Okay. Alright. Let's Yeah? let's look in. Let's look into it as well, please. Yep.","start_word":2453,"end_word":2695,"sentiment":"neutral","sentiment_score":-0.05731051787734032},{"text":"Perfect.","start_word":2696,"end_word":2696,"sentiment":"positive","sentiment_score":0.4216365814208984},{"text":"Now with insurance, there's a couple of options I do wanna run through with you just to make sure I can get what you would like. You have your life cover. So life cover, pretty straightforward. It's obviously if something were to happen to you, that would then be left left to your loved ones. So at the moment, you have about 215,000 worth of life cover. Do you have any amounts that you would be comfortable with Mhmm. that you would like me to look at for life cover? How does it work? Like, is it based on my on my on the amount in my Subaru, or it's, like, separate? Completely separate. So life cover, it's completely separate. It's a different company. Now you can basically get whatever amounts you want, whatever is important to you. So some people, if you don't know how much you need, I start with asking, okay. Well, if something were to happen to you, what do you want to have happen? Now do Mhmm. you have any debts that you would like to be, you know, cleared for your family? Do you have any Do you have any personal loans, or do you owe anything like a car loan, or do you have any Yeah. I debts have that a you would like? car. Car Yes. loan. Yeah. At how much is on the car loan roughly? Do you know? It's like 45. About 45. And how much is the car worth? Do you It's 4 know? to around 60 About gram. 60. Okay. Perfect. Do you have any personal loans or anything like that Yes. yet? And do you know roughly how much you have? It's 40 Oh. 5 About 45. Perfect. as And well. any other loans or anything like that? No. No. No. Okay. So would you like your car loan and the personal loan, like, paid out if something were to happen to you so that doesn't have to be left for your family? Yeah. Yep. Okay. Now on top of that, do you want anything allocated for, like, funeral expenses as well? No. No? Okay. Do you want any, you know, income replacement for your family? So this is still talking about life cover, but, obviously, if something were to happen to you, your household won't have your income. So sometimes what people allocate is a couple of years' worth of your income replacement to give that kind of, you know, financial support to your family. Mhmm. Do you want me to look at, you know, covering a couple of years worth of income so if you were to pass away to give that buffer to your family a little bit? No. No? Okay. So at the moment, if we're only looking at covering you for for your debt, that's only about 90,000. And at the moment, you have about 215,000. Mhmm. Mhmm.","start_word":2697,"end_word":3182,"sentiment":"neutral","sentiment_score":0.008209974432187806},{"text":"So it's good. For for life, it's fine.","start_word":3183,"end_word":3190,"sentiment":"positive","sentiment_score":0.5631389021873474},{"text":"It based on what you are telling me. But when I was with the previous superannuation Yeah. funds, I think Mhmm. it was 400. Okay. But Let's how have much am a I paying the year of the month for this $2.50 or 2 yes. Yeah. So $2.15, and now I have the premium through. You have you live, but then you also have TPD, which is total permanent disability. 15? Now Mhmm. you have the same amount of 215,000. This cover is different because this one is designed for if something were to happen to you and you cannot go back to work. So if you are totally or permanently disabled, then you can never go back to work again. It is a lump sum payment paid out to you to obviously assist you if you can't work. Mhmm. So a lot of people find this one, you know, because it can have a bigger financial impact because, obviously, you're still around. There's still expenses, might be medical expenses and stuff, but you won't have an income. So you also have 215,000 worth of that cover for you. Mhmm. Now, obviously, 215,000 would obviously help, but, obviously, if you can never go back to work again, it would probably run out fairly quickly as well. For both those covers, you are currently paying a $159, so it's quite cheap per year Per year. So if you're only paying, I think, is, like let me triple check your account actually while I'm here. But it's quite cheap. But if you feel like it's not enough, I can look at adding more cover or replacing it. So, yes, you're only paying $13.26 a month. So that is No. That's a 100 perfect. and fifth yeah. 159 a year.","start_word":3191,"end_word":3487,"sentiment":"neutral","sentiment_score":0.016169048845767975},{"text":"So it's very cheap of what you have.","start_word":3488,"end_word":3495,"sentiment":"positive","sentiment_score":0.3442011773586273},{"text":"Are you quite happy with those amounts for those type of covers? Yep. Yep. Now the other there are two other policies that you don't have that I'd just like to check with you if it is something you want me to look at or not. Now one of them is income protection. So income protection have you ever heard of income protection before? Yes. Yes. Yes. Yes. So that's obviously designed to replace your income if you are temporarily unable to work. So it's not a lump sum. It is a monthly replacement while you can't work. Now income protection can cover up to 70% of your income. It's But not there's something a grace you period. have. Right? Yes. Now you have with the income protection, there's two different features. So you have a waiting Mhmm. arrears. So what that means is that, paid thirty days in arrears. So what that means is that if you have a thirty day waiting period, you will start getting that income replacement after about sixty days. Mhmm. Is that something you feel like you would like me to look at for you, or what are your thoughts on income protection? Like, I don't like income protection because we're still young, but I'd like to discuss the options just to just to see what what it is, how it works, what are Yep. the That's the cost legislative and stuff. yeah. Now Yep. the cost and also, like, what's there? Like, I I like, just if I'm not working, they will pay Mhmm. me or there's, like, conditions? There there are conditions. So if you are unable to work due to illness or injury. So let's say if you are just in between jobs or been made redundant or something, it won't cover you then. It is just if you can't go back to work because you have an illness or an injury. So something's happened and you can't go back to work for a while.","start_word":3496,"end_word":3829,"sentiment":"neutral","sentiment_score":-0.04787429997664012},{"text":"No. That's I how don't that think works. I I don't think I need this one. No.","start_word":3830,"end_word":3846,"sentiment":"negative","sentiment_score":-0.6163954734802246},{"text":"That's okay. Now the last cover, it's one that's called a trauma insurance. Have you ever heard of trauma insurance before? No. No. Trauma insurance is quite different that it's designed to cover you for traumatic events. So the biggest one we see are cancer, stroke, heart attack, different neurological conditions. Now this is a lump sum payment paid tax free to you directly. So let's say, for example, you have a bad heart attack and you go to hospital, it will be give you that lump sum payment. Or if you get diagnosed with any neurological conditions or anything like that, you will then be paid out a lump sum payment. So it's kind of an insurance policy to cover you that. The only thing with the trauma policy is that you can't have it paid from within superannuation. It is one you have to pay for out of pocket. Okay. Alright. No. Yeah. No. No. All good. All good. I Yep. think I think I'm good from Yep. insurance. But, Okay. You yeah, know going through all good. yeah. Now if anything does change, you know, down the track and you ever wanna, you know, revisit it, always let us know. We can always look at or, you know, if down the track you do buy a property and you wanna increase it to cover mortgage, you know, we can always reassess it for you. Mhmm. Okay.","start_word":3847,"end_word":4085,"sentiment":"neutral","sentiment_score":0.01578036313058193},{"text":"Perfect. Thank Yep. you so much.","start_word":4086,"end_word":4091,"sentiment":"positive","sentiment_score":0.4099864959716797},{"text":"No. That's okay. Now let me see if there's anything else. So with the the super, so I'll have a look at that for you, your investment. I do wanna just triple check as well because, obviously, it's it plays a role on your contribution. So at the moment, I have here that your income is about 135,000. Yep. Yep. And your employer, they just pay that standard 12% contributions into superannuation? Like, you don't have a special agreement or anything, just a standard term? Yeah. I understand. Yep. That's correct.","start_word":4092,"end_word":4182,"sentiment":"neutral","sentiment_score":0.0703883022069931},{"text":"And And I it's do perfect.","start_word":4183,"end_word":4188,"sentiment":"positive","sentiment_score":0.38128021359443665},{"text":"self contribution. Yes. And it's it's about a $100 a month in salary sacrifice that you do? Yes. But I'm Yes. I'm looking into increasing it. Yeah. What are you looking at changing it to? Maybe two fifty? $2.50? Mhmm. As part of the research, do you want me to show you what's by increasing it to two fifty, what that would do to your super to see how that would change things? Yes, please. Yep.","start_word":4189,"end_word":4264,"sentiment":"neutral","sentiment_score":0.03967131762520263},{"text":"Perfect.","start_word":4265,"end_word":4265,"sentiment":"positive","sentiment_score":0.4522491693496704},{"text":"So that's $2.50. And that was per month. Correct? Yeah. Yep.","start_word":4266,"end_word":4276,"sentiment":"neutral","sentiment_score":0.1738787442445755},{"text":"Great. And you guys do have, you know, surplus savings each month that you can, you know, facilitate the increase in the payment.","start_word":4277,"end_word":4299,"sentiment":"positive","sentiment_score":0.4094025790691376},{"text":"That's okay? Yep. Yep. Okay.","start_word":4300,"end_word":4304,"sentiment":"neutral","sentiment_score":0.19862020015716553},{"text":"Great. Perfect.","start_word":4305,"end_word":4306,"sentiment":"positive","sentiment_score":0.571387529373169},{"text":"I will look at changing that to $2.50 a month. Contributions. Let me see here. And I do have here that your goals for superannuation right now is just to kinda maximize that as much as possible. And, ideally, you wanna access super when you turn 65 and then Mhmm. kind of draw an income ideally from super when you retire of about 1,250 per week. Is that still all the same? 1,250 per week. Yep. Or do you think you need more or less? Obviously, it's a bit hard to tell because who knows, you know, Corners when you black. do Now that. Yeah. now now it's not enough. Yep. Well, do you I can I can change it through, like, 1,500 or 2,000? So what do you think is, you know, you would need for for you at the moment? Do you think 2,000 would be a bit more, like, per week, or do you think, like, 1,500? Let's say 1,500. 1,500? Alright. I will update that. Okay. Perfect. Okay. Now Oh, +1. I +1. Yep. Perfect. So, although I will go and do this research Thank for you.","start_word":4307,"end_word":4497,"sentiment":"neutral","sentiment_score":0.05721336975693703},{"text":"you. Appreciate it.","start_word":4498,"end_word":4500,"sentiment":"positive","sentiment_score":0.4551989138126374},{"text":"Cool. No. That's okay. Is there anything else you would like me to research or look at for you or just kinda No. focusing on that for now?","start_word":4501,"end_word":4528,"sentiment":"neutral","sentiment_score":-0.004116284261856761},{"text":"All good. Thank you so much, Yep. sir. I appreciate your No time.","start_word":4529,"end_word":4541,"sentiment":"positive","sentiment_score":0.5169678926467896},{"text":"no problem at all. Now it will take a couple of weeks for me to get this research together. As soon as I do, though, I will give you a call, and I will run through the options, and then you can let me know what you would like to do. Okay. Of course.","start_word":4542,"end_word":4595,"sentiment":"neutral","sentiment_score":0.17823894321918488},{"text":"Thank you so much. No problem at all. I hope you have a lovely afternoon, and I look forward to speaking with you soon again. Thank you. Take care. Thanks. Thanks. You Bye.","start_word":4596,"end_word":4628,"sentiment":"positive","sentiment_score":0.707223653793335},{"text":"too. Bye. Bye bye. Bye. Bye. Bye.","start_word":4629,"end_word":4635,"sentiment":"neutral","sentiment_score":0.1552223563194275}],"average":{"sentiment":"neutral","sentiment_score":0.04779653787350793}}}}