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Just to jump into that one. Can I just pass you through security first there, John, which is that 3.2 yeah? Right. Just that name, date of birth, and current address, please? Not a problem. Purchase. And is that your new permanent residence there? I think I just update that one. I believe you spoke with my colleague yesterday. I was just doing it in the the workbook today. Perfect. Yeah. The workbooks are separate to, like, your superannuation and things like that. The workbooks only really the advisers sort of jump into unless the the team is updating, like, some other things as well. But I know from when we spoke last year, Joanne, you were potentially thinking of, obviously, you know, buying the investment property, potentially moving closer to the family. Is that where like, moving out to Dolby, is that closer to the family? Is that where you ended up? Yep. Yep. And do you still have your PO box in? Yep. And which would you like the PO box to be your mailing address? Yeah. Okay. Okay. Perfect. I'll just make sure that that's the address that's updated for your mailing purposes there as well and not just you. Perfect. And I know you mentioned to my colleague there that given that you're sort of just in between jobs and you're not currently able to to borrow that you want to potentially invest some money at the moment? Yep. And is that, like, purely, like, a a short term thing? Is that something that you plan on holding even if you were to get a property? Is that something you potentially wanna sort of liquidate once you were to get a property? So as it because I know you said you approximately wanna put, like, $20,000 into, like, an investment account. Yes. If you yep. Yep. Yep. Yeah. Not a 100 percent. Given, yeah, everything that is going on. Given that you do potentially still wanna purchase a property with the I know you have quite significant savings from the sale of the house. Now with that 20,000 going into an investment, do you feel like you'd still have an adequate deposit given, like, a job that you might sort of get following that, that you wouldn't have to touch that money that you put into an investment? Yeah. It's just that I'm yeah. I'm just mindful in the sense that if you were looking at a property and, you know, say, like, you know, you've got your 120 and $20,000 in the investment that you may need to liquidate that investment to be able to purchase, like, a property in the future that you do wanna do. And then Okay. Yeah. Yeah. Because, like, we're obviously long term investors. And even though you say you wanna double, like you said, it is quite volatile in the sense that the markets are going a lot of ups and downs at the moment. So if you were to invest in the next sort of three months if the war was to continue, there is a good chance that it might sort of decrease in that time. And then, obviously, you know, if the war, like, was to finish, there's a chance that it will obviously go up, but which isn't a sort of factor in, like, the long term. But, say, if you did invest and then the wall continues, it goes down, you know, by five or 10%, and then you need that money in three to six months' time for the property, you might have lost money in that time instead of, like, making money, obviously. Yep. Yep. And then with the relocation and moving to the caravan park, do you rent the caravan park, or do you purchase, like, a unit inside the caravan park? Ah, okay. And then just renting a lot there? Okay. Perfect. And within regards to any other I know you got the car as well and then the $1.40 in savings. Is there anything else at the moment with you sort of selling down and moving out to Dolby? Yep. Perfect. Because with that too, because you are sort of four years, you know, closer to, you know, three and a half probably by the time everything gets sort of sorted in regards to accessing super. Have you thought about just sort of having a smaller amount contributed to your superannuation over the next sort of few years? When you sort of start contributed to your superannuation over the next sort of few years when you sort of start working again as well? Yeah. Well, no. Maybe not into, like, a a lump sum type deal, but, like, just in regards to because, obviously, investments outside of super are much like investments inside super in terms of, like, you know, what you do hold. Like, you can hold, like, direct shares, exchange traded funds, things like that as well. So you can look to given your, you know, age to to the age of 60 and given that you are working at the moment or sort of looking to potentially go back to work, you could look at maybe contributing to superannuation. So that way when it comes to, you know, the age of 60, if you are, you know, working part time, wanna draw down some of the funds or looking to access some of the money, even though it is in the superannuation after 60, you can actually access up to 10% even with you working. And the distributions are, like, tax free. And then if it's inside the tax environment, it doesn't have to worry about things like, you know, adding to the individual tax return, things like that as well. And then because you've already got your superannuation fund and paying for that fund, you're, like, lowering the administration costs for the money invested. Obviously, the bit of a downside is is you do lock it away at least until the age of 60, which given, you know, you're saying that, obviously, you know, longer term, you are looking at having it sort of put away for investment to grow as opposed to having it outside of it, you know, all the income that is earned off that investment, whether it's sort of dividends paid and things like that can form part of your individual tax return. Not that it would probably make a huge deal, but there's a little bit more administration. You're paying for, you know, a separate investment fund as well. And then with if you were to just contribute to super, it's much like what you've got going on now or just contributions going in like you were working. The risk is obviously you just have it locked away for a bit longer, but then the money is also compounding a bit better as well because you've got more funds in there. You get a little bit more compounding growth having the funds together. And given that, you know, you're only that sort of three and a half to four years sort of from the age of 16 being able to draw down it, that's sort of like a minimum time frame for, like, a balanced balanced sort of growth investment anyway to get the sort of average returns and especially with things the way that how the markets are so volatile with the war going on at the moment. So with that, you know, that is an alternative option just to add some more money into to superannuation and get that growing to your time and goals as well as opposed to, yeah, the individual investment. Yeah. Yeah. You def you definitely can. It's definitely an option. Obviously, I just wanted to explain, you know, the the other options out there for you. But if you do wanna just have it like in an IDPS account that is separate to your superannuation, it can be in a different risk profile there as well. And then you can sort of just, yeah, monitor it and maybe make a few more different changes as opposed to superannuation. With that, generally, we do have your super, like, invested a tad more aggressive than outside super investments just in the off chance that you do need to, like, access the funds. At the moment, you're in, like, a balanced growth portfolio for your superannuation, which is quite defensive in the sense that it is, like, a, you know, a sixty forty ish split. If you went to more of, like, a balanced or conservative option, you may be looking at, like, fifty fifty for that. Is that something you've had a thought about and how aggressively you might wanna have that invested? Or just in regard yes. A a bit of both there as well. I can run through those risk profile questionnaire questions again. Obviously, with the super, you did still come out as like a moderate investor, which is in line with sort of like a a balanced growth sort of allocation. But given, you know, it's not too far off being a bit more conservative, you can sort of look at still that balance option for the outside super investments. It means it is a little bit more defensive if you did need the funds. It's like during these volatile market times. It's less likely to take as big of a hit as opposed to, like, having it more aggressively invested. And then with that, you're obviously looking at, like, a smaller time frame for, like, to get the average out of that, whereas the high growth, obviously, they have bigger ups and downs. So you wanna be quite conservative in terms of, like, the time you are having invested for versus being in more balanced option. It's, you know, a lot more fixed interest cash defensive assets that are similar to, like, you know, if you were to hold it in shorter periods to get those returns out of it. And, obviously, the return just is projected to be a little bit lower there as well, like, as far as an average, if that makes sense. Yep. Yep. Yeah. I'm 67 at the moment. Yep. Yeah. With everything going, yeah, at the moment, it's a little bit hard, obviously. And given the obviously, you know, you are a little bit busy busy with the move and everything, you have time to obviously, you know, run through the presentation and everything like that. You don't wanna sort of get your your feet settled before finalizing everything and maybe even updating your superannuation investment with everything that is going on? As far as the superannuation's can turn, like, because of the fund you're in every sort of twelve months is a minimum. We do do, like, in your review. And to change anything in regards to that, there is well, we do generally have to go to advice. Now that Benelon fund that we did speak about previously that makes up a smaller portion of your portfolio, as a company, they are looking at going away from that. So if you're happy with the rest of the year investments and how they're all traveling, the rest of it is largely doing quite well apart from that Benelung investment. Obviously, it's all taken a bit of a dive with what's happened in the the war in Ukraine. I can get them to organize just an hour away. And then what that will do is it will just be a record of advice from, yeah, you know, the investment committee there to state that they're moving you out of Benelung to what's called the a 200 as a replacement. It is an index fund, so it's removing it from an actively managed fund to an a 200 fund. And then with with that one there, you'll still have some active management with the the ClearBridge infrastructure fund that you do hold within that. It would just look at removing that. The alternative is is with that as well. I can review your your superannuation and sort of make a recommendation for an investment update as a whole, or you can just maintain the portfolio that it is still doing well apart from the bed along in terms of the returns I've gotten out of it. So it's more than fine if you were to sort of, you know, just do the the bed along replacement and they review in sort of another twelve to twenty four months time depending on how it was sort of tracking and how the investment did over that time frame. Obviously, no one's got the crystal ball in what's going to occur with yeah. With the bed along for for certain, they're looking at removing that from all the portfolios that they currently hold. Given that you're in a balanced growth portfolio, you did do 11.25%, which is really quite high for balanced growth. Balance growth, you're sort of looking at aiming for, like, a six to 8% return, and that's with the bet along not performing too great. So that is the option there is just doing that record advice to replace that bet along for you. Alternatively, I can review your superannuation investments as well. Without reviewing, obviously, I wouldn't say for certain that's still, like, in your best interest. Obviously, I can say that it is still performing well since inception even. You've done quite well for a balanced growth portfolio in regards to returns you have gotten out of it, so which is fantastic. Being that it's a little bit more defensive in the way the world has been in those few since you've been on board helps in regards to those defensive assets you do hold in the return you have gotten. And at the moment, you're probably sitting, I think, since the time you've been on board, it's like 8.21% in terms of, like, an annualized return after fees for the time that you've been with us, which is still quite quite nice, quite on the higher end of balance growth. And then we can just look to do the investment update and then potentially review, you know, your superannuation insurances at a later date there as well. Yep. Not a problem. To to some not with it being under, like, our fuse management, we can sort of give you some funds that you can sort of make some more active changes. And if there are certain things that you do want, we don't really day trade investments there. So if you were to go, like, I do wanna make this change, you know, sort of every because obviously buying and selling comes at a cost as well, and there is a risk to, you know, selling low, buying high, those sort of things as well. So you can have a say in what you want. You can sort of have a bit more of a say in sort of what you wanted to potentially start off with and have it in there. And sort of each, you know, year sort of review, you can sort of look to make some changes and have a bit more of a say in what you want in your super or sort of in regards to your IDPS investment. But as far as, like, access to to buy and sell, if it's under refuse management, generally not, unless you were, like, a wholesale investor where with that, you know, you have to have a a little bit more knowledge in regards to or funds to be able to lose. So if, you know, you had, like, $2,000,000 worth of assets, you can afford to lose 20,000. So they can sort of have a bit more access in the buying and selling and and trading as a liability issue. But in saying that you definitely can have a say in what you have, that you wouldn't sort of be able to go in and sort of make the buys themselves unless you sort of had, like, a separate investment there account that you were to do yourself. Is that something you're looking to do so more so with that is have, like, something you could sort of put buyers and sellers and trades and manage yourself a bit more? Yep. Okay. Yeah. And then it's just there's a a lot of I'm sorry you can understand standpoint. Like, if it can't really sort of be under Ophi's name and then sort of the liability be with you making the decisions of the buyers and sellers and things like that. Obviously, we can do a few transaction with that advice that we sort of note. But if you're in there sort of buying and selling and making that, it's a bit more of a liability in the sense that, you know, we're responsible those investments somewhat at the end of the day as well and what's going on. I can sort of see with the the team on what they sort of have in regards to just personalized investment accounts and sort of shoot you an email of different platforms that they've sort of sort of ticked off as, you know, being somewhat reputable that you can sort of use. And then maybe just some general information on both just so you can make an informed decision. But if you wanted to do, like, a little bit more of that buying and selling your yourself that obviously, you know, the risk is is if you don't really invest in sort of day trade with money you're not willing to lose at the end of the day as well, that is sort of thing, yeah, that you have to be mindful of. Obviously, if that's something you're aware of and wanna still partake and do that yourself, we can sort of give you certain reports and things like that if we have access to them in our research houses if you did want a little bit more information and just want to reach out in regards to certain things. But as far as, like, being responsible or managing the your day trading, that's not an option. So you're able to, you know, manage that yourself and have it in your your own name, if that's something you were looking to do. Make the decisions and changes when you yeah. No. Understandable. I don't know how much time I'll have today, but I'll add it to my list. Hopefully, sometime tomorrow, they'll get in touch with this sort of investment committee and sort of some platforms. They've sort of, you know, approved somewhat. Obviously, we don't typically use a lot of the individual platforms. We sort of pair them with, you know, larger platforms and where you hold your superannuation, things like that as well. But just to give you some information on on those so you can make a bit of a decision yourself. But in regards to your own, like, superannuation and your even insurances that you hold with us, is there any sort of changes you were looking to make with them, or you're purely just looking to get a bit more information on some individual investments and maybe an account for that? I think it's a little bit over. Let me just bring up the account. It's $1.48 or close to $1.49. Generally, within regards to risk, you wanna sort of look at reducing the closer you do get to retirement just in case there are large sort of fluctuations and drops. I know sort of, you know, you feel like you might not have just enough there, but in saying that if you were to sort of bump it up to a growth, you know, which is closer to that sort of eighty, eighty, 20 split as opposed to, like, close to, like, you know, the 70% growth assets. There are the risks that it sorta can have, you know, associated with what is occurring at the moment, significant drops in your in your balance. Now with that, obviously, that ten year time horizon, you can sort of look to have that. That's sort of saying when you get, you know, between three and sort of five years from your retirement, you do wanna look at sort of having a little bit less risk to ensure that, you know, if there was a market dip, you have time to recover from that. And increased risk doesn't always mean increased returns. Given what is occurring at the moment, given you're in that sort of balanced growth, which is sort of, you know, that 60 to 70¢ growth assets, you still have, like, a nice amount of growth assets, and you've been getting a nice return with that. And a lot of the return too is coming from those defensive assets. So if you increase your risk at the moment or if you did have, like, a more of a growth portfolio, the chances are that you might have done a little less in regards to your returns, if, like, that makes sense over a twelve month period. So given with the way things are sort of be remiss in sort of saying increase your exposure with the way the companies are faring versus those, like, defensive assets, Obviously, things like gold are really doing quite well. You know, since you've been on board, it's like up one forty. That's more of a defensive asset even though it can be considered growth. You know, you've got your your bonds and things like that, which do get you a nice sort of bit of stable income in from your your portfolio as well. And, yes, the the other assets have done nicely in terms of, like, your S and P 500, those shares, and things like that as well. And but in saying that as well, things like Bennelong, if you're aggressively more invested as well, Benelon would have had more money allocated to it, which has gone backwards by like that, you know, 20% in the past twelve months, which should negatively impact growth. Oh, yeah. Sorry. Well, as far as a recommendation, like, we would have to put in advice just to review it and things like that as well. But given, like, from you what you've told me previously from the answers from your risk profile that you are a bit more of, you know, moderate investor if you sort of were to experience, you know, a lot of decrease in your super or the more fluctuations from what is occurring in the world. It may sort of negatively impact you a little bit in regards to, like, you know, the way you you view your your growth in your superannuation. Just because you increase your exposure doesn't mean you're gonna increase the the return like you're sorta hoping for as well. And given that, you know, you might hit and you might wanna sort of look at accessing some of the the funds depending on if you do end up working or not as well, then that may sort of be negative overall in terms of the impact it may have. If you sort of go back to work and start contributing again and still feel like I am gonna be working in that ten years, I definitely wanna increase my exposure a little bit. That's something we can definitely review for you, but not working currently and things like that. And given that, you know, your savings are getting in into a little bit and, you know, depending on the outcomes over that time period, it might sort of, yeah, bit too many variables. So I wouldn't wanna sort of look at doing that at the moment in case things do change. But, you know, if you're in sort of, you know, three to six months time, if you're you're working and happy in your job and you feel like, you know, this is a career I can do for the next ten years, and I do wanna increase the exposure, and I'm aware of the risk, you know, of market downturns with everything going on. That's definitely something we can look at for you and and look at bumping up for you. So given that we're not, like, looking at reviewing anything currently in regards to, like, updating it at the moment, I'll just get the team to organize the ROA to change the Bennelong specifically at as rest as far as the rest of the portfolio, it'll remain the same. It'll just be the percentage allocated to Bennelong will go to that a 200, which is an Australian index. So Bennelong's in Australian equities. And then with that that change of Bennelong, it'll just be going to that Australian 200 index, which has obviously experienced a little bit of a downturn with what has occurred in the war, but it also sort of works out a little bit that given that Benelung did come down, and then that's going down as well. You're kinda selling low, buying maybe a tad bit higher. And then hopefully, once the a 200 starts picking up, when the the war sort of starts to level level out there, you'll get some nice consistent return growth. So and is there anything else you wanna review in regards to your insurances or anything like that? You're happy with your your life and TPD cover that you currently hold? Two 100 and 20,000 of life and total permanent disability if sort of something was to occur where you cannot work again or if something was to occur where you're no longer around? 02/2020. Sorry. Yeah. Yeah. Well, given that you don't really have any sort of debts, it's more than enough to sort of, you know, cover for maybe some ongoing living expenses. You know, if something were to happen, we're unable to sort of be able to to earn an income ever again and not working. The chances are that you'll sort of be traveling around a caravan, things like that, sort of lower as well. So you may look to, you know, either sort of moving in with family or some sort of assisted living there as well, which that could go towards being able to sort of pay for those ongoing sort of living expenses, plus any sort of government assistance programs you might be sort of eligible for as well. Yep. And did you want sort of, like, a a six month follow-up just to sort of touch base to see how things are going, see if you do wanna review your your superannuation again, see if you're back at work or not. Perfect. As I said, I'll make a a note, and I'll ask the investment committee when I get a second there of any sort of individual platforms that they're sort of aware or happy sort of may pass some information along, sort of just as standard business practice that you can sort of have a review of and see if there's something that you might wanna do it on. If you do review those and feel like you do just want sort of to to manage it more so and then have just a bit of a say in what you may hold as well, then we're more than happy to review that again with you as well. No problem at all, Joanne. But is there anything else you wanna have a chat about today while you've got me there? No problem at all. Well, yeah, I'll get a start on that. I'll put you down for a six month follow-up just to to touch base and see if you do wanna review investments and maybe the wars settle down a little bit by then as well, and we can have a bit more of a chat around that. But, otherwise, good luck with with the job hunt there. I hope you're enjoying your new place there, and we can sort of touch base soonish. No problem, Joanne. Thanks for your time this morning. 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morning, Joanne. It's Carl calling from Financial. How are you today? Yeah. Not too bad at all.\n\nThanks for asking. I just get you in for a bit of a conversation. Perfect. Just to jump into that one. Can I just pass you through security first there, John, which is that 3.2 yeah?\n\nRight. Just that name, date of birth, and current address, please? Not a problem. Purchase. And is that your new permanent residence there?\n\nI think I just update that one. I believe you spoke with my colleague yesterday. I was just doing it in the the workbook today. Perfect. Yeah.\n\nThe workbooks are separate to, like, your superannuation and things like that. The workbooks only really the advisers sort of jump into unless the the team is updating, like, some other things as well. But I know from when we spoke last year, Joanne, you were potentially thinking of, obviously, you know, buying the investment property, potentially moving closer to the family. Is that where like, moving out to Dolby, is that closer to the family? Is that where you ended up?\n\nYep. Yep. And do you still have your PO box in? Yep. And which would you like the PO box to be your mailing address?\n\nYeah. Okay. Okay. Perfect. I'll just make sure that that's the address that's updated for your mailing purposes there as well and not just you.\n\nPerfect. And I know you mentioned to my colleague there that given that you're sort of just in between jobs and you're not currently able to to borrow that you want to potentially invest some money at the moment? Yep. And is that, like, purely, like, a a short term thing? Is that something that you plan on holding even if you were to get a property?\n\nIs that something you potentially wanna sort of liquidate once you were to get a property? So as it because I know you said you approximately wanna put, like, $20,000 into, like, an investment account. Yes. If you yep. Yep.\n\nYep. Yeah. Not a 100 percent. Given, yeah, everything that is going on. Given that you do potentially still wanna purchase a property with the I know you have quite significant savings from the sale of the house.\n\nNow with that 20,000 going into an investment, do you feel like you'd still have an adequate deposit given, like, a job that you might sort of get following that, that you wouldn't have to touch that money that you put into an investment? Yeah. It's just that I'm yeah. I'm just mindful in the sense that if you were looking at a property and, you know, say, like, you know, you've got your 120 and $20,000 in the investment that you may need to liquidate that investment to be able to purchase, like, a property in the future that you do wanna do. And then Okay.\n\nYeah. Yeah. Because, like, we're obviously long term investors. And even though you say you wanna double, like you said, it is quite volatile in the sense that the markets are going a lot of ups and downs at the moment. So if you were to invest in the next sort of three months if the war was to continue, there is a good chance that it might sort of decrease in that time.\n\nAnd then, obviously, you know, if the war, like, was to finish, there's a chance that it will obviously go up, but which isn't a sort of factor in, like, the long term. But, say, if you did invest and then the wall continues, it goes down, you know, by five or 10%, and then you need that money in three to six months' time for the property, you might have lost money in that time instead of, like, making money, obviously. Yep. Yep. And then with the relocation and moving to the caravan park, do you rent the caravan park, or do you purchase, like, a unit inside the caravan park?\n\nAh, okay. And then just renting a lot there? Okay. Perfect. And within regards to any other I know you got the car as well and then the $1.40 in savings.\n\nIs there anything else at the moment with you sort of selling down and moving out to Dolby? Yep. Perfect. Because with that too, because you are sort of four years, you know, closer to, you know, three and a half probably by the time everything gets sort of sorted in regards to accessing super. Have you thought about just sort of having a smaller amount contributed to your superannuation over the next sort of few years?\n\nWhen you sort of start contributed to your superannuation over the next sort of few years when you sort of start working again as well? Yeah. Well, no. Maybe not into, like, a a lump sum type deal, but, like, just in regards to because, obviously, investments outside of super are much like investments inside super in terms of, like, you know, what you do hold. Like, you can hold, like, direct shares, exchange traded funds, things like that as well.\n\nSo you can look to given your, you know, age to to the age of 60 and given that you are working at the moment or sort of looking to potentially go back to work, you could look at maybe contributing to superannuation. So that way when it comes to, you know, the age of 60, if you are, you know, working part time, wanna draw down some of the funds or looking to access some of the money, even though it is in the superannuation after 60, you can actually access up to 10% even with you working. And the distributions are, like, tax free. And then if it's inside the tax environment, it doesn't have to worry about things like, you know, adding to the individual tax return, things like that as well. And then because you've already got your superannuation fund and paying for that fund, you're, like, lowering the administration costs for the money invested.\n\nObviously, the bit of a downside is is you do lock it away at least until the age of 60, which given, you know, you're saying that, obviously, you know, longer term, you are looking at having it sort of put away for investment to grow as opposed to having it outside of it, you know, all the income that is earned off that investment, whether it's sort of dividends paid and things like that can form part of your individual tax return. Not that it would probably make a huge deal, but there's a little bit more administration. You're paying for, you know, a separate investment fund as well. And then with if you were to just contribute to super, it's much like what you've got going on now or just contributions going in like you were working. The risk is obviously you just have it locked away for a bit longer, but then the money is also compounding a bit better as well because you've got more funds in there.\n\nYou get a little bit more compounding growth having the funds together. And given that, you know, you're only that sort of three and a half to four years sort of from the age of 16 being able to draw down it, that's sort of like a minimum time frame for, like, a balanced balanced sort of growth investment anyway to get the sort of average returns and especially with things the way that how the markets are so volatile with the war going on at the moment. So with that, you know, that is an alternative option just to add some more money into to superannuation and get that growing to your time and goals as well as opposed to, yeah, the individual investment. Yeah. Yeah.\n\nYou def you definitely can. It's definitely an option. Obviously, I just wanted to explain, you know, the the other options out there for you. But if you do wanna just have it like in an IDPS account that is separate to your superannuation, it can be in a different risk profile there as well. And then you can sort of just, yeah, monitor it and maybe make a few more different changes as opposed to superannuation.\n\nWith that, generally, we do have your super, like, invested a tad more aggressive than outside super investments just in the off chance that you do need to, like, access the funds. At the moment, you're in, like, a balanced growth portfolio for your superannuation, which is quite defensive in the sense that it is, like, a, you know, a sixty forty ish split. If you went to more of, like, a balanced or conservative option, you may be looking at, like, fifty fifty for that. Is that something you've had a thought about and how aggressively you might wanna have that invested? Or just in regard yes.\n\nA a bit of both there as well. I can run through those risk profile questionnaire questions again. Obviously, with the super, you did still come out as like a moderate investor, which is in line with sort of like a a balanced growth sort of allocation. But given, you know, it's not too far off being a bit more conservative, you can sort of look at still that balance option for the outside super investments. It means it is a little bit more defensive if you did need the funds.\n\nIt's like during these volatile market times. It's less likely to take as big of a hit as opposed to, like, having it more aggressively invested. And then with that, you're obviously looking at, like, a smaller time frame for, like, to get the average out of that, whereas the high growth, obviously, they have bigger ups and downs. So you wanna be quite conservative in terms of, like, the time you are having invested for versus being in more balanced option. It's, you know, a lot more fixed interest cash defensive assets that are similar to, like, you know, if you were to hold it in shorter periods to get those returns out of it.\n\nAnd, obviously, the return just is projected to be a little bit lower there as well, like, as far as an average, if that makes sense. Yep. Yep. Yeah. I'm 67 at the moment.\n\nYep. Yeah. With everything going, yeah, at the moment, it's a little bit hard, obviously. And given the obviously, you know, you are a little bit busy busy with the move and everything, you have time to obviously, you know, run through the presentation and everything like that. You don't wanna sort of get your your feet settled before finalizing everything and maybe even updating your superannuation investment with everything that is going on?\n\nAs far as the superannuation's can turn, like, because of the fund you're in every sort of twelve months is a minimum. We do do, like, in your review. And to change anything in regards to that, there is well, we do generally have to go to advice. Now that Benelon fund that we did speak about previously that makes up a smaller portion of your portfolio, as a company, they are looking at going away from that. So if you're happy with the rest of the year investments and how they're all traveling, the rest of it is largely doing quite well apart from that Benelung investment.\n\nObviously, it's all taken a bit of a dive with what's happened in the the war in Ukraine. I can get them to organize just an hour away. And then what that will do is it will just be a record of advice from, yeah, you know, the investment committee there to state that they're moving you out of Benelung to what's called the a 200 as a replacement. It is an index fund, so it's removing it from an actively managed fund to an a 200 fund. And then with with that one there, you'll still have some active management with the the ClearBridge infrastructure fund that you do hold within that.\n\nIt would just look at removing that. The alternative is is with that as well. I can review your your superannuation and sort of make a recommendation for an investment update as a whole, or you can just maintain the portfolio that it is still doing well apart from the bed along in terms of the returns I've gotten out of it. So it's more than fine if you were to sort of, you know, just do the the bed along replacement and they review in sort of another twelve to twenty four months time depending on how it was sort of tracking and how the investment did over that time frame. Obviously, no one's got the crystal ball in what's going to occur with yeah.\n\nWith the bed along for for certain, they're looking at removing that from all the portfolios that they currently hold. Given that you're in a balanced growth portfolio, you did do 11.25%, which is really quite high for balanced growth. Balance growth, you're sort of looking at aiming for, like, a six to 8% return, and that's with the bet along not performing too great. So that is the option there is just doing that record advice to replace that bet along for you. Alternatively, I can review your superannuation investments as well.\n\nWithout reviewing, obviously, I wouldn't say for certain that's still, like, in your best interest. Obviously, I can say that it is still performing well since inception even. You've done quite well for a balanced growth portfolio in regards to returns you have gotten out of it, so which is fantastic. Being that it's a little bit more defensive in the way the world has been in those few since you've been on board helps in regards to those defensive assets you do hold in the return you have gotten. And at the moment, you're probably sitting, I think, since the time you've been on board, it's like 8.21% in terms of, like, an annualized return after fees for the time that you've been with us, which is still quite quite nice, quite on the higher end of balance growth.\n\nAnd then we can just look to do the investment update and then potentially review, you know, your superannuation insurances at a later date there as well. Yep. Not a problem. To to some not with it being under, like, our fuse management, we can sort of give you some funds that you can sort of make some more active changes. And if there are certain things that you do want, we don't really day trade investments there.\n\nSo if you were to go, like, I do wanna make this change, you know, sort of every because obviously buying and selling comes at a cost as well, and there is a risk to, you know, selling low, buying high, those sort of things as well. So you can have a say in what you want. You can sort of have a bit more of a say in sort of what you wanted to potentially start off with and have it in there. And sort of each, you know, year sort of review, you can sort of look to make some changes and have a bit more of a say in what you want in your super or sort of in regards to your IDPS investment. But as far as, like, access to to buy and sell, if it's under refuse management, generally not, unless you were, like, a wholesale investor where with that, you know, you have to have a a little bit more knowledge in regards to or funds to be able to lose.\n\nSo if, you know, you had, like, $2,000,000 worth of assets, you can afford to lose 20,000. So they can sort of have a bit more access in the buying and selling and and trading as a liability issue. But in saying that you definitely can have a say in what you have, that you wouldn't sort of be able to go in and sort of make the buys themselves unless you sort of had, like, a separate investment there account that you were to do yourself. Is that something you're looking to do so more so with that is have, like, something you could sort of put buyers and sellers and trades and manage yourself a bit more? Yep.\n\nOkay. Yeah. And then it's just there's a a lot of I'm sorry you can understand standpoint. Like, if it can't really sort of be under Ophi's name and then sort of the liability be with you making the decisions of the buyers and sellers and things like that. Obviously, we can do a few transaction with that advice that we sort of note.\n\nBut if you're in there sort of buying and selling and making that, it's a bit more of a liability in the sense that, you know, we're responsible those investments somewhat at the end of the day as well and what's going on. I can sort of see with the the team on what they sort of have in regards to just personalized investment accounts and sort of shoot you an email of different platforms that they've sort of sort of ticked off as, you know, being somewhat reputable that you can sort of use. And then maybe just some general information on both just so you can make an informed decision. But if you wanted to do, like, a little bit more of that buying and selling your yourself that obviously, you know, the risk is is if you don't really invest in sort of day trade with money you're not willing to lose at the end of the day as well, that is sort of thing, yeah, that you have to be mindful of. Obviously, if that's something you're aware of and wanna still partake and do that yourself, we can sort of give you certain reports and things like that if we have access to them in our research houses if you did want a little bit more information and just want to reach out in regards to certain things.\n\nBut as far as, like, being responsible or managing the your day trading, that's not an option. So you're able to, you know, manage that yourself and have it in your your own name, if that's something you were looking to do. Make the decisions and changes when you yeah. No. Understandable.\n\nI don't know how much time I'll have today, but I'll add it to my list. Hopefully, sometime tomorrow, they'll get in touch with this sort of investment committee and sort of some platforms. They've sort of, you know, approved somewhat. Obviously, we don't typically use a lot of the individual platforms. We sort of pair them with, you know, larger platforms and where you hold your superannuation, things like that as well.\n\nBut just to give you some information on on those so you can make a bit of a decision yourself. But in regards to your own, like, superannuation and your even insurances that you hold with us, is there any sort of changes you were looking to make with them, or you're purely just looking to get a bit more information on some individual investments and maybe an account for that? I think it's a little bit over. Let me just bring up the account. It's $1.48 or close to $1.49.\n\nGenerally, within regards to risk, you wanna sort of look at reducing the closer you do get to retirement just in case there are large sort of fluctuations and drops. I know sort of, you know, you feel like you might not have just enough there, but in saying that if you were to sort of bump it up to a growth, you know, which is closer to that sort of eighty, eighty, 20 split as opposed to, like, close to, like, you know, the 70% growth assets. There are the risks that it sorta can have, you know, associated with what is occurring at the moment, significant drops in your in your balance. Now with that, obviously, that ten year time horizon, you can sort of look to have that. That's sort of saying when you get, you know, between three and sort of five years from your retirement, you do wanna look at sort of having a little bit less risk to ensure that, you know, if there was a market dip, you have time to recover from that.\n\nAnd increased risk doesn't always mean increased returns. Given what is occurring at the moment, given you're in that sort of balanced growth, which is sort of, you know, that 60 to 70¢ growth assets, you still have, like, a nice amount of growth assets, and you've been getting a nice return with that. And a lot of the return too is coming from those defensive assets. So if you increase your risk at the moment or if you did have, like, a more of a growth portfolio, the chances are that you might have done a little less in regards to your returns, if, like, that makes sense over a twelve month period. So given with the way things are sort of be remiss in sort of saying increase your exposure with the way the companies are faring versus those, like, defensive assets, Obviously, things like gold are really doing quite well.\n\nYou know, since you've been on board, it's like up one forty. That's more of a defensive asset even though it can be considered growth. You know, you've got your your bonds and things like that, which do get you a nice sort of bit of stable income in from your your portfolio as well. And, yes, the the other assets have done nicely in terms of, like, your S and P 500, those shares, and things like that as well. And but in saying that as well, things like Bennelong, if you're aggressively more invested as well, Benelon would have had more money allocated to it, which has gone backwards by like that, you know, 20% in the past twelve months, which should negatively impact growth.\n\nOh, yeah. Sorry. Well, as far as a recommendation, like, we would have to put in advice just to review it and things like that as well. But given, like, from you what you've told me previously from the answers from your risk profile that you are a bit more of, you know, moderate investor if you sort of were to experience, you know, a lot of decrease in your super or the more fluctuations from what is occurring in the world. It may sort of negatively impact you a little bit in regards to, like, you know, the way you you view your your growth in your superannuation.\n\nJust because you increase your exposure doesn't mean you're gonna increase the the return like you're sorta hoping for as well. And given that, you know, you might hit and you might wanna sort of look at accessing some of the the funds depending on if you do end up working or not as well, then that may sort of be negative overall in terms of the impact it may have. If you sort of go back to work and start contributing again and still feel like I am gonna be working in that ten years, I definitely wanna increase my exposure a little bit. That's something we can definitely review for you, but not working currently and things like that. And given that, you know, your savings are getting in into a little bit and, you know, depending on the outcomes over that time period, it might sort of, yeah, bit too many variables.\n\nSo I wouldn't wanna sort of look at doing that at the moment in case things do change. But, you know, if you're in sort of, you know, three to six months time, if you're you're working and happy in your job and you feel like, you know, this is a career I can do for the next ten years, and I do wanna increase the exposure, and I'm aware of the risk, you know, of market downturns with everything going on. That's definitely something we can look at for you and and look at bumping up for you. So given that we're not, like, looking at reviewing anything currently in regards to, like, updating it at the moment, I'll just get the team to organize the ROA to change the Bennelong specifically at as rest as far as the rest of the portfolio, it'll remain the same. It'll just be the percentage allocated to Bennelong will go to that a 200, which is an Australian index.\n\nSo Bennelong's in Australian equities. And then with that that change of Bennelong, it'll just be going to that Australian 200 index, which has obviously experienced a little bit of a downturn with what has occurred in the war, but it also sort of works out a little bit that given that Benelung did come down, and then that's going down as well. You're kinda selling low, buying maybe a tad bit higher. And then hopefully, once the a 200 starts picking up, when the the war sort of starts to level level out there, you'll get some nice consistent return growth. So and is there anything else you wanna review in regards to your insurances or anything like that?\n\nYou're happy with your your life and TPD cover that you currently hold? Two 100 and 20,000 of life and total permanent disability if sort of something was to occur where you cannot work again or if something was to occur where you're no longer around? 02/2020. Sorry. Yeah.\n\nYeah. Well, given that you don't really have any sort of debts, it's more than enough to sort of, you know, cover for maybe some ongoing living expenses. You know, if something were to happen, we're unable to sort of be able to to earn an income ever again and not working. The chances are that you'll sort of be traveling around a caravan, things like that, sort of lower as well. So you may look to, you know, either sort of moving in with family or some sort of assisted living there as well, which that could go towards being able to sort of pay for those ongoing sort of living expenses, plus any sort of government assistance programs you might be sort of eligible for as well.\n\nYep. And did you want sort of, like, a a six month follow-up just to sort of touch base to see how things are going, see if you do wanna review your your superannuation again, see if you're back at work or not. Perfect. As I said, I'll make a a note, and I'll ask the investment committee when I get a second there of any sort of individual platforms that they're sort of aware or happy sort of may pass some information along, sort of just as standard business practice that you can sort of have a review of and see if there's something that you might wanna do it on. If you do review those and feel like you do just want sort of to to manage it more so and then have just a bit of a say in what you may hold as well, then we're more than happy to review that again with you as well.\n\nNo problem at all, Joanne. But is there anything else you wanna have a chat about today while you've got me there? No problem at all. Well, yeah, I'll get a start on that. I'll put you down for a six month follow-up just to to touch base and see if you do wanna review investments and maybe the wars settle down a little bit by then as well, and we can have a bit more of a chat around that.\n\nBut, otherwise, good luck with with the job hunt there. I hope you're enjoying your new place there, and we can sort of touch base soonish. No problem, Joanne. Thanks for your time this morning. Bye.","paragraphs":[{"sentences":[{"text":"Good morning, Joanne.","start":3.36,"end":4.16,"sentiment":"positive","sentiment_score":0.41713716586430866},{"text":"It's Carl calling from Financial.","start":4.16,"end":5.54,"sentiment":"neutral","sentiment_score":0.2486511379480362},{"text":"How are you today?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.2809895873069763},{"text":"Yeah.","start":8.24,"end":8.639999,"sentiment":"neutral","sentiment_score":0.22811587154865265},{"text":"Not too bad at all.","start":8.639999,"end":9.36,"sentiment":"neutral","sentiment_score":0.32781500816345216}],"sentiment":"neutral","sentiment_score":0.3047675804959403,"num_words":18,"start":3.36,"end":9.36},{"sentences":[{"text":"Thanks for asking.","start":9.36,"end":10.0,"sentiment":"positive","sentiment_score":0.6642395853996277},{"text":"I just get you in for a bit of a conversation.","start":10.0,"end":11.7,"sentiment":"positive","sentiment_score":0.33825474977493286},{"text":"Perfect.","start":14.24,"end":14.719999,"sentiment":"positive","sentiment_score":0.4486866891384125},{"text":"Just to jump into that one.","start":14.719999,"end":16.535,"sentiment":"neutral","sentiment_score":0.24726591010888418},{"text":"Can I just pass you through security first there, John, which is that 3.2 yeah?","start":16.535,"end":20.135,"sentiment":"neutral","sentiment_score":0.07052374208966891}],"sentiment":"neutral","sentiment_score":0.24176831346833044,"num_words":36,"start":9.36,"end":20.135},{"sentences":[{"text":"Right.","start":20.135,"end":20.375,"sentiment":"neutral","sentiment_score":0.0342121496796608},{"text":"Just that name, date of birth, and current address, please?","start":20.375,"end":22.635,"sentiment":"neutral","sentiment_score":0.032105182856321336},{"text":"Not a problem.","start":34.07,"end":34.81,"sentiment":"neutral","sentiment_score":0.10951307912667592},{"text":"Purchase.","start":34.95,"end":35.43,"sentiment":"neutral","sentiment_score":0.05185747891664505},{"text":"And is that your new permanent residence there?","start":35.43,"end":37.85,"sentiment":"neutral","sentiment_score":0.029670902178622782}],"sentiment":"neutral","sentiment_score":0.042305561389936054,"num_words":23,"start":20.135,"end":37.85},{"sentences":[{"text":"I think I just update that one.","start":39.045,"end":53.57,"sentiment":"neutral","sentiment_score":0.06719260130609785},{"text":"I believe you spoke with my colleague yesterday.","start":54.03,"end":56.11,"sentiment":"neutral","sentiment_score":0.045320119708776474},{"text":"I was just doing it in the the workbook today.","start":56.11,"end":59.09,"sentiment":"neutral","sentiment_score":0.04139868915081024},{"text":"Perfect.","start":59.949997,"end":60.449997,"sentiment":"neutral","sentiment_score":0.26667875051498413},{"text":"Yeah.","start":63.149998,"end":63.55,"sentiment":"neutral","sentiment_score":0.0235135555267334}],"sentiment":"neutral","sentiment_score":0.056929198680100615,"num_words":27,"start":39.045,"end":63.55},{"sentences":[{"text":"The workbooks are separate to, like, your superannuation and things like that.","start":63.55,"end":67.725,"sentiment":"neutral","sentiment_score":-0.011639698951815566},{"text":"The workbooks only really the advisers sort of jump into unless the the team is updating, like, some other things as well.","start":67.725,"end":73.745,"sentiment":"neutral","sentiment_score":-0.058569818481125614},{"text":"But I know from when we spoke last year, Joanne, you were potentially thinking of, obviously, you know, buying the investment property, potentially moving closer to the family.","start":75.325,"end":84.22,"sentiment":"neutral","sentiment_score":-0.041878911932664256},{"text":"Is that where like, moving out to Dolby, is that closer to the family?","start":84.22,"end":87.979996,"sentiment":"neutral","sentiment_score":-0.0321958830047931},{"text":"Is that where you ended up?","start":87.979996,"end":89.36,"sentiment":"neutral","sentiment_score":-0.04496190696954727}],"sentiment":"neutral","sentiment_score":-0.040504094292750446,"num_words":82,"start":63.55,"end":89.36},{"sentences":[{"text":"Yep.","start":101.275,"end":101.775,"sentiment":"neutral","sentiment_score":-0.022916045039892197},{"text":"Yep.","start":121.545,"end":122.045,"sentiment":"neutral","sentiment_score":0.036370497196912766},{"text":"And do you still have your PO box in?","start":122.744995,"end":125.564995,"sentiment":"neutral","sentiment_score":-0.006907070262564553},{"text":"Yep.","start":127.799995,"end":128.29999,"sentiment":"neutral","sentiment_score":-0.0169166661798954},{"text":"And which would you like the PO box to be your mailing address?","start":137.0,"end":140.595,"sentiment":"neutral","sentiment_score":0.017440730562576882}],"sentiment":"neutral","sentiment_score":0.006444146037101746,"num_words":25,"start":101.275,"end":140.595},{"sentences":[{"text":"Yeah.","start":142.835,"end":143.155,"sentiment":"neutral","sentiment_score":0.11459068208932877},{"text":"Okay.","start":143.155,"end":143.655,"sentiment":"neutral","sentiment_score":0.14642536640167236},{"text":"Okay.","start":145.235,"end":145.735,"sentiment":"neutral","sentiment_score":0.2434951663017273},{"text":"Perfect.","start":145.875,"end":146.375,"sentiment":"positive","sentiment_score":0.5560170412063599},{"text":"I'll just make sure that that's the address that's updated for your mailing purposes there as well and not just you.","start":147.795,"end":154.47,"sentiment":"neutral","sentiment_score":0.2425792236768064}],"sentiment":"neutral","sentiment_score":0.2461876781284809,"num_words":25,"start":142.835,"end":154.47},{"sentences":[{"text":"Perfect.","start":161.57,"end":162.07,"sentiment":"positive","sentiment_score":0.5119256377220154},{"text":"And I know you mentioned to my colleague there that given that you're sort of just in between jobs and you're not currently able to to borrow that you want to potentially invest some money at the moment?","start":165.25,"end":176.905,"sentiment":"neutral","sentiment_score":0.010338713782594391},{"text":"Yep.","start":178.88501,"end":179.38501,"sentiment":"neutral","sentiment_score":0.04060272127389908},{"text":"And is that, like, purely, like, a a short term thing?","start":179.445,"end":182.8,"sentiment":"neutral","sentiment_score":-0.0329535821960731},{"text":"Is that something that you plan on holding even if you were to get a property?","start":182.8,"end":186.0,"sentiment":"neutral","sentiment_score":-0.11097087012603879}],"sentiment":"neutral","sentiment_score":-0.017800355872222735,"num_words":67,"start":161.57,"end":186.0},{"sentences":[{"text":"Is that something you potentially wanna sort of liquidate once you were to get a property?","start":186.0,"end":189.54001,"sentiment":"neutral","sentiment_score":-0.15338239585980773},{"text":"So as it because I know you said you approximately wanna put, like, $20,000 into, like, an investment account.","start":195.04001,"end":201.015,"sentiment":"neutral","sentiment_score":-0.08178695506955448},{"text":"Yes.","start":202.035,"end":202.535,"sentiment":"neutral","sentiment_score":0.06192990392446518},{"text":"If you yep.","start":202.595,"end":207.335,"sentiment":"neutral","sentiment_score":0.05322475731372833},{"text":"Yep.","start":208.53,"end":209.03,"sentiment":"neutral","sentiment_score":0.07677684724330902}],"sentiment":"neutral","sentiment_score":-0.09274223642423748,"num_words":40,"start":186.0,"end":209.03},{"sentences":[{"text":"Yep.","start":217.81,"end":218.31,"sentiment":"neutral","sentiment_score":-0.004097429569810629},{"text":"Yeah.","start":222.21,"end":222.69,"sentiment":"neutral","sentiment_score":-0.03495487943291664},{"text":"Not a 100 percent.","start":222.69,"end":226.055,"sentiment":"neutral","sentiment_score":-0.056873032823204994},{"text":"Given, yeah, everything that is going on.","start":226.595,"end":228.61499,"sentiment":"neutral","sentiment_score":0.10432372774396624},{"text":"Given that you do potentially still wanna purchase a property with the I know you have quite significant savings from the sale of the house.","start":229.39499,"end":237.89499,"sentiment":"neutral","sentiment_score":0.1590525034070015}],"sentiment":"neutral","sentiment_score":0.11684300629176984,"num_words":38,"start":217.81,"end":237.89499},{"sentences":[{"text":"Now with that 20,000 going into an investment, do you feel like you'd still have an adequate deposit given, like, a job that you might sort of get following that, that you wouldn't have to touch that money that you put into an investment?","start":238.29001,"end":250.87,"sentiment":"neutral","sentiment_score":0.11824030776254156},{"text":"Yeah.","start":278.25,"end":278.57,"sentiment":"neutral","sentiment_score":0.07186499238014221},{"text":"It's just that I'm yeah.","start":278.57,"end":283.505,"sentiment":"neutral","sentiment_score":-0.04765153955668211},{"text":"I'm just mindful in the sense that if you were looking at a property and, you know, say, like, you know, you've got your 120 and $20,000 in the investment that you may need to liquidate that investment to be able to purchase, like, a property in the future that you do wanna do.","start":283.505,"end":296.62,"sentiment":"neutral","sentiment_score":-0.02357223685140963},{"text":"And then Okay.","start":296.62,"end":297.68,"sentiment":"neutral","sentiment_score":0.012177587176362673}],"sentiment":"neutral","sentiment_score":0.0355122692308554,"num_words":107,"start":238.29001,"end":297.68},{"sentences":[{"text":"Yeah.","start":299.41998,"end":299.91998,"sentiment":"neutral","sentiment_score":-0.08855652809143066},{"text":"Yeah.","start":300.38,"end":300.88,"sentiment":"neutral","sentiment_score":-0.09100887179374696},{"text":"Because, like, we're obviously long term investors.","start":301.1,"end":303.34,"sentiment":"neutral","sentiment_score":-0.12261479135070529},{"text":"And even though you say you wanna double, like you said, it is quite volatile in the sense that the markets are going a lot of ups and downs at the moment.","start":303.34,"end":308.715,"sentiment":"neutral","sentiment_score":-0.2586282005067915},{"text":"So if you were to invest in the next sort of three months if the war was to continue, there is a good chance that it might sort of decrease in that time.","start":308.715,"end":315.135,"sentiment":"neutral","sentiment_score":-0.30144972309018625}],"sentiment":"neutral","sentiment_score":-0.26029475969639987,"num_words":74,"start":299.41998,"end":315.135},{"sentences":[{"text":"And then, obviously, you know, if the war, like, was to finish, there's a chance that it will obviously go up, but which isn't a sort of factor in, like, the long term.","start":315.995,"end":323.4,"sentiment":"neutral","sentiment_score":-0.2518079016696323},{"text":"But, say, if you did invest and then the wall continues, it goes down, you know, by five or 10%, and then you need that money in three to six months' time for the property, you might have lost money in that time instead of, like, making money, obviously.","start":323.4,"end":336.035,"sentiment":"neutral","sentiment_score":-0.31865350765233136},{"text":"Yep.","start":355.87,"end":356.37,"sentiment":"neutral","sentiment_score":-0.20255576074123385},{"text":"Yep.","start":361.46997,"end":361.96997,"sentiment":"neutral","sentiment_score":-0.08208576589822769},{"text":"And then with the relocation and moving to the caravan park, do you rent the caravan park, or do you purchase, like, a unit inside the caravan park?","start":362.03,"end":368.66498,"sentiment":"neutral","sentiment_score":0.017049126593129977}],"sentiment":"neutral","sentiment_score":-0.21188346975083863,"num_words":112,"start":315.995,"end":368.66498},{"sentences":[{"text":"Ah, okay.","start":373.685,"end":374.085,"sentiment":"neutral","sentiment_score":0.1338203400373459},{"text":"And then just renting a lot there?","start":374.085,"end":375.865,"sentiment":"neutral","sentiment_score":0.05072158042873655},{"text":"Okay.","start":377.685,"end":378.085,"sentiment":"positive","sentiment_score":0.4226086139678955},{"text":"Perfect.","start":378.085,"end":378.585,"sentiment":"positive","sentiment_score":0.6953579783439636},{"text":"And within regards to any other I know you got the car as well and then the $1.40 in savings.","start":380.46,"end":384.62,"sentiment":"neutral","sentiment_score":0.20371534898877144}],"sentiment":"neutral","sentiment_score":0.18757952629558503,"num_words":31,"start":373.685,"end":384.62},{"sentences":[{"text":"Is there anything else at the moment with you sort of selling down and moving out to Dolby?","start":384.62,"end":388.88,"sentiment":"neutral","sentiment_score":0.025647915278871853},{"text":"Yep.","start":392.38,"end":392.78,"sentiment":"neutral","sentiment_score":0.20646123588085177},{"text":"Perfect.","start":392.78,"end":393.28,"sentiment":"positive","sentiment_score":0.5007597804069519},{"text":"Because with that too, because you are sort of four years, you know, closer to, you know, three and a half probably by the time everything gets sort of sorted in regards to accessing super.","start":393.965,"end":406.285,"sentiment":"neutral","sentiment_score":0.16871127997125898},{"text":"Have you thought about just sort of having a smaller amount contributed to your superannuation over the next sort of few years?","start":406.285,"end":407.55237,"sentiment":"neutral","sentiment_score":0.12201097268949855}],"sentiment":"neutral","sentiment_score":0.1267275284346822,"num_words":77,"start":384.62,"end":407.55237},{"sentences":[{"text":"When you sort of start contributed to your superannuation over the next sort of few years when you sort of start working again as well?","start":407.55237,"end":414.12003,"sentiment":"neutral","sentiment_score":0.06746987581253051},{"text":"Yeah.","start":422.26,"end":422.5,"sentiment":"neutral","sentiment_score":0.01909741200506687},{"text":"Well, no.","start":422.5,"end":423.16,"sentiment":"neutral","sentiment_score":-0.015371729619801043},{"text":"Maybe not into, like, a a lump sum type deal, but, like, just in regards to because, obviously, investments outside of super are much like investments inside super in terms of, like, you know, what you do hold.","start":423.22,"end":433.855,"sentiment":"neutral","sentiment_score":0.006851863998331521},{"text":"Like, you can hold, like, direct shares, exchange traded funds, things like that as well.","start":433.855,"end":438.035,"sentiment":"neutral","sentiment_score":0.06683938081065814}],"sentiment":"neutral","sentiment_score":0.03627237521203948,"num_words":81,"start":407.55237,"end":438.035},{"sentences":[{"text":"So you can look to given your, you know, age to to the age of 60 and given that you are working at the moment or sort of looking to potentially go back to work, you could look at maybe contributing to superannuation.","start":438.73502,"end":450.74002,"sentiment":"neutral","sentiment_score":0.07093337048278299},{"text":"So that way when it comes to, you know, the age of 60, if you are, you know, working part time, wanna draw down some of the funds or looking to access some of the money, even though it is in the superannuation after 60, you can actually access up to 10% even with you working.","start":451.04,"end":464.94498,"sentiment":"neutral","sentiment_score":0.1467753056037639},{"text":"And the distributions are, like, tax free.","start":465.6,"end":468.16,"sentiment":"neutral","sentiment_score":0.17959860765508243},{"text":"And then if it's inside the tax environment, it doesn't have to worry about things like, you know, adding to the individual tax return, things like that as well.","start":468.16,"end":475.06,"sentiment":"positive","sentiment_score":0.5068169996656221},{"text":"And then because you've already got your superannuation fund and paying for that fund, you're, like, lowering the administration costs for the money invested.","start":475.44,"end":482.615,"sentiment":"positive","sentiment_score":0.4992280527949333}],"sentiment":"neutral","sentiment_score":0.24657804122979535,"num_words":159,"start":438.73502,"end":482.615},{"sentences":[{"text":"Obviously, the bit of a downside is is you do lock it away at least until the age of 60, which given, you know, you're saying that, obviously, you know, longer term, you are looking at having it sort of put away for investment to grow as opposed to having it outside of it, you know, all the income that is earned off that investment, whether it's sort of dividends paid and things like that can form part of your individual tax return.","start":482.835,"end":505.905,"sentiment":"neutral","sentiment_score":0.11165130856525467},{"text":"Not that it would probably make a huge deal, but there's a little bit more administration.","start":506.445,"end":509.505,"sentiment":"neutral","sentiment_score":-0.01951778237707913},{"text":"You're paying for, you know, a separate investment fund as well.","start":510.04498,"end":513.505,"sentiment":"neutral","sentiment_score":0.03018412095579234},{"text":"And then with if you were to just contribute to super, it's much like what you've got going on now or just contributions going in like you were working.","start":514.125,"end":521.025,"sentiment":"neutral","sentiment_score":0.11138340573886345},{"text":"The risk is obviously you just have it locked away for a bit longer, but then the money is also compounding a bit better as well because you've got more funds in there.","start":521.66,"end":530.22,"sentiment":"neutral","sentiment_score":0.032557369407379265}],"sentiment":"neutral","sentiment_score":0.07901925221085548,"num_words":172,"start":482.835,"end":530.22},{"sentences":[{"text":"You get a little bit more compounding growth having the funds together.","start":530.22,"end":533.19995,"sentiment":"neutral","sentiment_score":0.2722286681334178},{"text":"And given that, you know, you're only that sort of three and a half to four years sort of from the age of 16 being able to draw down it, that's sort of like a minimum time frame for, like, a balanced balanced sort of growth investment anyway to get the sort of average returns and especially with things the way that how the markets are so volatile with the war going on at the moment.","start":533.83496,"end":551.02,"sentiment":"neutral","sentiment_score":0.03791939001530409},{"text":"So with that, you know, that is an alternative option just to add some more money into to superannuation and get that growing to your time and goals as well as opposed to, yeah, the individual investment.","start":552.52,"end":563.055,"sentiment":"neutral","sentiment_score":0.21904994587640506},{"text":"Yeah.","start":571.455,"end":571.955,"sentiment":"neutral","sentiment_score":0.2870088815689087},{"text":"Yeah.","start":580.19,"end":580.69,"sentiment":"positive","sentiment_score":0.365380734205246}],"sentiment":"neutral","sentiment_score":0.1173689391493328,"num_words":127,"start":530.22,"end":580.69},{"sentences":[{"text":"You def you definitely can.","start":580.75,"end":582.37,"sentiment":"positive","sentiment_score":0.5389216780662537},{"text":"It's definitely an option.","start":582.59,"end":583.71,"sentiment":"positive","sentiment_score":0.5030106157064438},{"text":"Obviously, I just wanted to explain, you know, the the other options out there for you.","start":583.71,"end":587.175,"sentiment":"neutral","sentiment_score":0.2721369732171297},{"text":"But if you do wanna just have it like in an IDPS account that is separate to your superannuation, it can be in a different risk profile there as well.","start":588.21497,"end":596.15497,"sentiment":"neutral","sentiment_score":0.03711136616766453},{"text":"And then you can sort of just, yeah, monitor it and maybe make a few more different changes as opposed to superannuation.","start":596.21497,"end":601.755,"sentiment":"neutral","sentiment_score":0.09215562722899696}],"sentiment":"neutral","sentiment_score":0.15846243128180504,"num_words":77,"start":580.75,"end":601.755},{"sentences":[{"text":"With that, generally, we do have your super, like, invested a tad more aggressive than outside super investments just in the off chance that you do need to, like, access the funds.","start":604.63,"end":616.81,"sentiment":"neutral","sentiment_score":0.08330268284771591},{"text":"At the moment, you're in, like, a balanced growth portfolio for your superannuation, which is quite defensive in the sense that it is, like, a, you know, a sixty forty ish split.","start":616.955,"end":626.495,"sentiment":"neutral","sentiment_score":0.08713755907956511},{"text":"If you went to more of, like, a balanced or conservative option, you may be looking at, like, fifty fifty for that.","start":626.555,"end":632.77,"sentiment":"neutral","sentiment_score":0.08958945762027394},{"text":"Is that something you've had a thought about and how aggressively you might wanna have that invested?","start":632.77,"end":636.95,"sentiment":"neutral","sentiment_score":0.12678978329195695},{"text":"Or just in regard yes.","start":640.37,"end":642.14996,"sentiment":"neutral","sentiment_score":0.057987498492002486}],"sentiment":"neutral","sentiment_score":0.09139277423835462,"num_words":108,"start":604.63,"end":642.14996},{"sentences":[{"text":"A a bit of both there as well.","start":642.29,"end":643.605,"sentiment":"neutral","sentiment_score":0.13316813856363297},{"text":"I can run through those risk profile questionnaire questions again.","start":643.605,"end":646.325,"sentiment":"neutral","sentiment_score":0.09592690393328666},{"text":"Obviously, with the super, you did still come out as like a moderate investor, which is in line with sort of like a a balanced growth sort of allocation.","start":646.325,"end":655.945,"sentiment":"neutral","sentiment_score":0.19249703889263087},{"text":"But given, you know, it's not too far off being a bit more conservative, you can sort of look at still that balance option for the outside super investments.","start":656.645,"end":665.28,"sentiment":"neutral","sentiment_score":0.16052396621169715},{"text":"It means it is a little bit more defensive if you did need the funds.","start":665.28,"end":667.92004,"sentiment":"neutral","sentiment_score":0.12445964167515437}],"sentiment":"neutral","sentiment_score":0.15526503209884351,"num_words":91,"start":642.29,"end":667.92004},{"sentences":[{"text":"It's like during these volatile market times.","start":667.92004,"end":669.84,"sentiment":"neutral","sentiment_score":-0.05129824259451458},{"text":"It's less likely to take as big of a hit as opposed to, like, having it more aggressively invested.","start":669.84,"end":675.325,"sentiment":"negative","sentiment_score":-0.3368794439654601},{"text":"And then with that, you're obviously looking at, like, a smaller time frame for, like, to get the average out of that, whereas the high growth, obviously, they have bigger ups and downs.","start":675.945,"end":685.145,"sentiment":"neutral","sentiment_score":-0.003859343628088633},{"text":"So you wanna be quite conservative in terms of, like, the time you are having invested for versus being in more balanced option.","start":685.145,"end":692.63,"sentiment":"neutral","sentiment_score":0.09042376765738362},{"text":"It's, you know, a lot more fixed interest cash defensive assets that are similar to, like, you know, if you were to hold it in shorter periods to get those returns out of it.","start":692.63,"end":701.065,"sentiment":"neutral","sentiment_score":0.06692443875705495}],"sentiment":"neutral","sentiment_score":-0.02182739568424636,"num_words":116,"start":667.92004,"end":701.065},{"sentences":[{"text":"And, obviously, the return just is projected to be a little bit lower there as well, like, as far as an average, if that makes sense.","start":701.065,"end":708.685,"sentiment":"neutral","sentiment_score":-0.03214589019234364},{"text":"Yep.","start":716.68,"end":717.18,"sentiment":"neutral","sentiment_score":-0.03831709921360016},{"text":"Yep.","start":718.92,"end":719.42,"sentiment":"neutral","sentiment_score":-0.0065222433768212795},{"text":"Yeah.","start":726.12,"end":726.36,"sentiment":"neutral","sentiment_score":-0.04597208648920059},{"text":"I'm 67 at the moment.","start":726.36,"end":728.135,"sentiment":"neutral","sentiment_score":-0.05918767899274826}],"sentiment":"neutral","sentiment_score":-0.03595714614836171,"num_words":34,"start":701.065,"end":728.135},{"sentences":[{"text":"Yep.","start":736.195,"end":736.695,"sentiment":"neutral","sentiment_score":-0.027522727847099304},{"text":"Yeah.","start":747.17,"end":747.49,"sentiment":"neutral","sentiment_score":-0.06374673545360565},{"text":"With everything going, yeah, at the moment, it's a little bit hard, obviously.","start":747.49,"end":751.99,"sentiment":"neutral","sentiment_score":-0.2559051834619962},{"text":"And given the obviously, you know, you are a little bit busy busy with the move and everything, you have time to obviously, you know, run through the presentation and everything like that.","start":753.33,"end":761.855,"sentiment":"neutral","sentiment_score":-0.17901295039689902},{"text":"You don't wanna sort of get your your feet settled before finalizing everything and maybe even updating your superannuation investment with everything that is going on?","start":761.855,"end":781.09,"sentiment":"neutral","sentiment_score":-0.10593623202294111}],"sentiment":"neutral","sentiment_score":-0.16324062491892963,"num_words":74,"start":736.195,"end":781.09},{"sentences":[{"text":"As far as the superannuation's can turn, like, because of the fund you're in every sort of twelve months is a minimum.","start":781.09,"end":786.70496,"sentiment":"neutral","sentiment_score":-0.08186676979742268},{"text":"We do do, like, in your review.","start":786.70496,"end":788.08496,"sentiment":"neutral","sentiment_score":0.09034682384559087},{"text":"And to change anything in regards to that, there is well, we do generally have to go to advice.","start":788.545,"end":795.36,"sentiment":"neutral","sentiment_score":-0.06850779840820714},{"text":"Now that Benelon fund that we did speak about previously that makes up a smaller portion of your portfolio, as a company, they are looking at going away from that.","start":795.36,"end":802.88,"sentiment":"neutral","sentiment_score":-0.20411672132710615},{"text":"So if you're happy with the rest of the year investments and how they're all traveling, the rest of it is largely doing quite well apart from that Benelung investment.","start":802.88,"end":810.205,"sentiment":"neutral","sentiment_score":-0.04435196593403816}],"sentiment":"neutral","sentiment_score":-0.09189212922420767,"num_words":108,"start":781.09,"end":810.205},{"sentences":[{"text":"Obviously, it's all taken a bit of a dive with what's happened in the the war in Ukraine.","start":810.205,"end":814.225,"sentiment":"neutral","sentiment_score":-0.30275463892353904},{"text":"I can get them to organize just an hour away.","start":814.365,"end":817.005,"sentiment":"neutral","sentiment_score":-0.0019899392500519753},{"text":"And then what that will do is it will just be a record of advice from, yeah, you know, the investment committee there to state that they're moving you out of Benelung to what's called the a 200 as a replacement.","start":817.005,"end":828.39996,"sentiment":"neutral","sentiment_score":-0.10265167884346915},{"text":"It is an index fund, so it's removing it from an actively managed fund to an a 200 fund.","start":828.39996,"end":833.77997,"sentiment":"neutral","sentiment_score":-0.12391448020935059},{"text":"And then with with that one there, you'll still have some active management with the the ClearBridge infrastructure fund that you do hold within that.","start":834.24,"end":842.63495,"sentiment":"neutral","sentiment_score":-0.032751855477690696}],"sentiment":"neutral","sentiment_score":-0.11372896669580873,"num_words":113,"start":810.205,"end":842.63495},{"sentences":[{"text":"It would just look at removing that.","start":842.63495,"end":844.315,"sentiment":"neutral","sentiment_score":-0.11170127242803574},{"text":"The alternative is is with that as well.","start":844.315,"end":846.71497,"sentiment":"neutral","sentiment_score":-0.03939735563471913},{"text":"I can review your your superannuation and sort of make a recommendation for an investment update as a whole, or you can just maintain the portfolio that it is still doing well apart from the bed along in terms of the returns I've gotten out of it.","start":846.71497,"end":859.83997,"sentiment":"neutral","sentiment_score":0.04780479151993356},{"text":"So it's more than fine if you were to sort of, you know, just do the the bed along replacement and they review in sort of another twelve to twenty four months time depending on how it was sort of tracking and how the investment did over that time frame.","start":860.14,"end":871.125,"sentiment":"neutral","sentiment_score":0.06240291029214859},{"text":"Obviously, no one's got the crystal ball in what's going to occur with yeah.","start":871.265,"end":876.245,"sentiment":"neutral","sentiment_score":-0.2802387976220676}],"sentiment":"neutral","sentiment_score":0.0027503158512806134,"num_words":126,"start":842.63495,"end":876.245},{"sentences":[{"text":"With the bed along for for certain, they're looking at removing that from all the portfolios that they currently hold.","start":877.025,"end":882.79004,"sentiment":"neutral","sentiment_score":-0.23932840526103974},{"text":"Given that you're in a balanced growth portfolio, you did do 11.25%, which is really quite high for balanced growth.","start":883.25,"end":890.93,"sentiment":"neutral","sentiment_score":0.32519468292593956},{"text":"Balance growth, you're sort of looking at aiming for, like, a six to 8% return, and that's with the bet along not performing too great.","start":890.93,"end":897.465,"sentiment":"neutral","sentiment_score":0.25650747746229174},{"text":"So that is the option there is just doing that record advice to replace that bet along for you.","start":899.525,"end":903.445,"sentiment":"neutral","sentiment_score":0.05348768536197512},{"text":"Alternatively, I can review your superannuation investments as well.","start":903.445,"end":906.99,"sentiment":"neutral","sentiment_score":0.09710387678609954}],"sentiment":"neutral","sentiment_score":0.10774423013771733,"num_words":93,"start":877.025,"end":906.99},{"sentences":[{"text":"Without reviewing, obviously, I wouldn't say for certain that's still, like, in your best interest.","start":907.23,"end":911.14996,"sentiment":"neutral","sentiment_score":-0.04483081450064977},{"text":"Obviously, I can say that it is still performing well since inception even.","start":911.14996,"end":914.67,"sentiment":"positive","sentiment_score":0.3498828915449289},{"text":"You've done quite well for a balanced growth portfolio in regards to returns you have gotten out of it, so which is fantastic.","start":914.67,"end":920.69,"sentiment":"positive","sentiment_score":0.7096073290576106},{"text":"Being that it's a little bit more defensive in the way the world has been in those few since you've been on board helps in regards to those defensive assets you do hold in the return you have gotten.","start":921.52496,"end":930.02496,"sentiment":"positive","sentiment_score":0.3953587626799559},{"text":"And at the moment, you're probably sitting, I think, since the time you've been on board, it's like 8.21% in terms of, like, an annualized return after fees for the time that you've been with us, which is still quite quite nice, quite on the higher end of balance growth.","start":930.165,"end":943.79,"sentiment":"neutral","sentiment_score":0.18044806465506555}],"sentiment":"neutral","sentiment_score":0.3188455637012209,"num_words":140,"start":907.23,"end":943.79},{"sentences":[{"text":"And then we can just look to do the investment update and then potentially review, you know, your superannuation insurances at a later date there as well.","start":945.61,"end":953.515,"sentiment":"neutral","sentiment_score":0.1213818308379915},{"text":"Yep.","start":966.24,"end":966.74,"sentiment":"neutral","sentiment_score":0.08396180719137192},{"text":"Not a problem.","start":966.88,"end":967.77997,"sentiment":"neutral","sentiment_score":0.09085464601715405},{"text":"To to some not with it being under, like, our fuse management, we can sort of give you some funds that you can sort of make some more active changes.","start":983.725,"end":996.62,"sentiment":"neutral","sentiment_score":0.10432406611119707},{"text":"And if there are certain things that you do want, we don't really day trade investments there.","start":996.62,"end":1001.01996,"sentiment":"neutral","sentiment_score":-0.12944718231173122}],"sentiment":"neutral","sentiment_score":0.05849942387057803,"num_words":78,"start":945.61,"end":1001.01996},{"sentences":[{"text":"So if you were to go, like, I do wanna make this change, you know, sort of every because obviously buying and selling comes at a cost as well, and there is a risk to, you know, selling low, buying high, those sort of things as well.","start":1001.01996,"end":1013.05505,"sentiment":"neutral","sentiment_score":-0.1561219573337981},{"text":"So you can have a say in what you want.","start":1013.05505,"end":1014.67505,"sentiment":"neutral","sentiment_score":0.10798037573695182},{"text":"You can sort of have a bit more of a say in sort of what you wanted to potentially start off with and have it in there.","start":1014.67505,"end":1019.635,"sentiment":"neutral","sentiment_score":0.13992892178120436},{"text":"And sort of each, you know, year sort of review, you can sort of look to make some changes and have a bit more of a say in what you want in your super or sort of in regards to your IDPS investment.","start":1019.635,"end":1029.12,"sentiment":"neutral","sentiment_score":0.07427994421748228},{"text":"But as far as, like, access to to buy and sell, if it's under refuse management, generally not, unless you were, like, a wholesale investor where with that, you know, you have to have a a little bit more knowledge in regards to or funds to be able to lose.","start":1029.74,"end":1045.5349,"sentiment":"neutral","sentiment_score":-0.11133026368916035}],"sentiment":"neutral","sentiment_score":-0.027414253854987313,"num_words":177,"start":1001.01996,"end":1045.5349},{"sentences":[{"text":"So if, you know, you had, like, $2,000,000 worth of assets, you can afford to lose 20,000.","start":1045.5349,"end":1049.7749,"sentiment":"neutral","sentiment_score":-0.2054170690038625},{"text":"So they can sort of have a bit more access in the buying and selling and and trading as a liability issue.","start":1049.7749,"end":1055.315,"sentiment":"neutral","sentiment_score":-0.0642798427831043},{"text":"But in saying that you definitely can have a say in what you have, that you wouldn't sort of be able to go in and sort of make the buys themselves unless you sort of had, like, a separate investment there account that you were to do yourself.","start":1057.1901,"end":1068.5701,"sentiment":"neutral","sentiment_score":-0.008802191199113926},{"text":"Is that something you're looking to do so more so with that is have, like, something you could sort of put buyers and sellers and trades and manage yourself a bit more?","start":1078.455,"end":1087.0399,"sentiment":"neutral","sentiment_score":0.09159962873673066},{"text":"Yep.","start":1108.2151,"end":1108.6951,"sentiment":"neutral","sentiment_score":0.1780107617378235}],"sentiment":"neutral","sentiment_score":-0.018496275087818502,"num_words":120,"start":1045.5349,"end":1108.6951},{"sentences":[{"text":"Okay.","start":1108.6951,"end":1109.1951,"sentiment":"neutral","sentiment_score":0.14135392010211945},{"text":"Yeah.","start":1118.15,"end":1118.55,"sentiment":"neutral","sentiment_score":0.05428239330649376},{"text":"And then it's just there's a a lot of I'm sorry you can understand standpoint.","start":1118.55,"end":1124.89,"sentiment":"neutral","sentiment_score":-0.15803953409194946},{"text":"Like, if it can't really sort of be under Ophi's name and then sort of the liability be with you making the decisions of the buyers and sellers and things like that.","start":1125.855,"end":1132.495,"sentiment":"neutral","sentiment_score":-0.1884263347601518},{"text":"Obviously, we can do a few transaction with that advice that we sort of note.","start":1132.495,"end":1136.095,"sentiment":"neutral","sentiment_score":0.00009852573275566101}],"sentiment":"neutral","sentiment_score":-0.12817377381725237,"num_words":64,"start":1108.6951,"end":1136.095},{"sentences":[{"text":"But if you're in there sort of buying and selling and making that, it's a bit more of a liability in the sense that, you know, we're responsible those investments somewhat at the end of the day as well and what's going on.","start":1136.095,"end":1144.56,"sentiment":"neutral","sentiment_score":-0.1618563501640808},{"text":"I can sort of see with the the team on what they sort of have in regards to just personalized investment accounts and sort of shoot you an email of different platforms that they've sort of sort of ticked off as, you know, being somewhat reputable that you can sort of use.","start":1145.18,"end":1161.8351,"sentiment":"neutral","sentiment_score":0.20462493440852716},{"text":"And then maybe just some general information on both just so you can make an informed decision.","start":1162.135,"end":1166.3151,"sentiment":"neutral","sentiment_score":0.28803323822862964},{"text":"But if you wanted to do, like, a little bit more of that buying and selling your yourself that obviously, you know, the risk is is if you don't really invest in sort of day trade with money you're not willing to lose at the end of the day as well, that is sort of thing, yeah, that you have to be mindful of.","start":1166.775,"end":1181.2,"sentiment":"neutral","sentiment_score":-0.16652347310446203},{"text":"Obviously, if that's something you're aware of and wanna still partake and do that yourself, we can sort of give you certain reports and things like that if we have access to them in our research houses if you did want a little bit more information and just want to reach out in regards to certain things.","start":1181.58,"end":1194.385,"sentiment":"neutral","sentiment_score":0.05498939906165265}],"sentiment":"neutral","sentiment_score":0.004524171887996882,"num_words":233,"start":1136.095,"end":1194.385},{"sentences":[{"text":"But as far as, like, being responsible or managing the your day trading, that's not an option.","start":1194.765,"end":1201.0499,"sentiment":"neutral","sentiment_score":-0.22071858714608586},{"text":"So you're able to, you know, manage that yourself and have it in your your own name, if that's something you were looking to do.","start":1201.0499,"end":1206.99,"sentiment":"neutral","sentiment_score":0.01199156891554594},{"text":"Make the decisions and changes when you yeah.","start":1213.5449,"end":1216.025,"sentiment":"neutral","sentiment_score":0.237016374245286},{"text":"No.","start":1216.025,"end":1216.4249,"sentiment":"neutral","sentiment_score":0.030202161520719528},{"text":"Understandable.","start":1216.4249,"end":1216.9249,"sentiment":"neutral","sentiment_score":0.16273516416549683}],"sentiment":"neutral","sentiment_score":-0.026218431518198207,"num_words":52,"start":1194.765,"end":1216.9249},{"sentences":[{"text":"I don't know how much time I'll have today, but I'll add it to my list.","start":1218.505,"end":1221.72,"sentiment":"neutral","sentiment_score":0.1543776837643236},{"text":"Hopefully, sometime tomorrow, they'll get in touch with this sort of investment committee and sort of some platforms.","start":1221.72,"end":1226.86,"sentiment":"neutral","sentiment_score":0.2451882561047872},{"text":"They've sort of, you know, approved somewhat.","start":1227.8,"end":1230.14,"sentiment":"neutral","sentiment_score":0.2718214626823153},{"text":"Obviously, we don't typically use a lot of the individual platforms.","start":1230.36,"end":1233.4,"sentiment":"neutral","sentiment_score":0.08656184239821},{"text":"We sort of pair them with, you know, larger platforms and where you hold your superannuation, things like that as well.","start":1233.4,"end":1238.375,"sentiment":"neutral","sentiment_score":0.17605920987469809}],"sentiment":"neutral","sentiment_score":0.18404938989918526,"num_words":73,"start":1218.505,"end":1238.375},{"sentences":[{"text":"But just to give you some information on on those so you can make a bit of a decision yourself.","start":1238.835,"end":1244.375,"sentiment":"neutral","sentiment_score":0.2588935256004333},{"text":"But in regards to your own, like, superannuation and your even insurances that you hold with us, is there any sort of changes you were looking to make with them, or you're purely just looking to get a bit more information on some individual investments and maybe an account for that?","start":1244.835,"end":1258.92,"sentiment":"neutral","sentiment_score":0.13850080718596777},{"text":"I think it's a little bit over.","start":1272.355,"end":1274.13,"sentiment":"neutral","sentiment_score":-0.022718889904873713},{"text":"Let me just bring up the account.","start":1274.13,"end":1275.67,"sentiment":"neutral","sentiment_score":0.032402066247803826},{"text":"It's $1.48 or close to $1.49.","start":1275.9701,"end":1279.43,"sentiment":"neutral","sentiment_score":0.0559702031314373}],"sentiment":"neutral","sentiment_score":0.13895621023826546,"num_words":91,"start":1238.835,"end":1279.43},{"sentences":[{"text":"Generally, within regards to risk, you wanna sort of look at reducing the closer you do get to retirement just in case there are large sort of fluctuations and drops.","start":1291.0249,"end":1302.53,"sentiment":"neutral","sentiment_score":-0.16373126829663912},{"text":"I know sort of, you know, you feel like you might not have just enough there, but in saying that if you were to sort of bump it up to a growth, you know, which is closer to that sort of eighty, eighty, 20 split as opposed to, like, close to, like, you know, the 70% growth assets.","start":1302.53,"end":1316.9349,"sentiment":"neutral","sentiment_score":-0.05702354733286233},{"text":"There are the risks that it sorta can have, you know, associated with what is occurring at the moment, significant drops in your in your balance.","start":1316.9349,"end":1323.595,"sentiment":"negative","sentiment_score":-0.3720423705302752},{"text":"Now with that, obviously, that ten year time horizon, you can sort of look to have that.","start":1324.455,"end":1328.0549,"sentiment":"neutral","sentiment_score":-0.024139132282203612},{"text":"That's sort of saying when you get, you know, between three and sort of five years from your retirement, you do wanna look at sort of having a little bit less risk to ensure that, you know, if there was a market dip, you have time to recover from that.","start":1328.0549,"end":1340.5299,"sentiment":"neutral","sentiment_score":-0.003850442990660668}],"sentiment":"neutral","sentiment_score":-0.10218393826697701,"num_words":181,"start":1291.0249,"end":1340.5299},{"sentences":[{"text":"And increased risk doesn't always mean increased returns.","start":1341.71,"end":1345.535,"sentiment":"neutral","sentiment_score":-0.18231620453298092},{"text":"Given what is occurring at the moment, given you're in that sort of balanced growth, which is sort of, you know, that 60 to 70¢ growth assets, you still have, like, a nice amount of growth assets, and you've been getting a nice return with that.","start":1345.535,"end":1357.395,"sentiment":"positive","sentiment_score":0.34752245048681896},{"text":"And a lot of the return too is coming from those defensive assets.","start":1358.4501,"end":1361.89,"sentiment":"neutral","sentiment_score":0.3262180032638403},{"text":"So if you increase your risk at the moment or if you did have, like, a more of a growth portfolio, the chances are that you might have done a little less in regards to your returns, if, like, that makes sense over a twelve month period.","start":1361.89,"end":1373.8049,"sentiment":"neutral","sentiment_score":-0.18381660839820163},{"text":"So given with the way things are sort of be remiss in sort of saying increase your exposure with the way the companies are faring versus those, like, defensive assets, Obviously, things like gold are really doing quite well.","start":1374.585,"end":1388.01,"sentiment":"neutral","sentiment_score":0.025295523878855582}],"sentiment":"neutral","sentiment_score":0.07084183891205803,"num_words":153,"start":1341.71,"end":1388.01},{"sentences":[{"text":"You know, since you've been on board, it's like up one forty.","start":1388.15,"end":1390.23,"sentiment":"positive","sentiment_score":0.3698624347647031},{"text":"That's more of a defensive asset even though it can be considered growth.","start":1390.23,"end":1393.61,"sentiment":"positive","sentiment_score":0.33968277734059554},{"text":"You know, you've got your your bonds and things like that, which do get you a nice sort of bit of stable income in from your your portfolio as well.","start":1394.23,"end":1402.415,"sentiment":"positive","sentiment_score":0.540355904897054},{"text":"And, yes, the the other assets have done nicely in terms of, like, your S and P 500, those shares, and things like that as well.","start":1402.415,"end":1409.395,"sentiment":"positive","sentiment_score":0.5002222439417472},{"text":"And but in saying that as well, things like Bennelong, if you're aggressively more invested as well, Benelon would have had more money allocated to it, which has gone backwards by like that, you know, 20% in the past twelve months, which should negatively impact growth.","start":1409.695,"end":1422.66,"sentiment":"negative","sentiment_score":-0.5118201227615709}],"sentiment":"neutral","sentiment_score":0.11438547373991313,"num_words":127,"start":1388.15,"end":1422.66},{"sentences":[{"text":"Oh, yeah.","start":1427.28,"end":1427.715,"sentiment":"neutral","sentiment_score":-0.03498503379523754},{"text":"Sorry.","start":1429.715,"end":1430.215,"sentiment":"neutral","sentiment_score":-0.08560298383235931},{"text":"Well, as far as a recommendation, like, we would have to put in advice just to review it and things like that as well.","start":1431.475,"end":1437.635,"sentiment":"neutral","sentiment_score":-0.0952588686098655},{"text":"But given, like, from you what you've told me previously from the answers from your risk profile that you are a bit more of, you know, moderate investor if you sort of were to experience, you know, a lot of decrease in your super or the more fluctuations from what is occurring in the world.","start":1437.635,"end":1451.87,"sentiment":"neutral","sentiment_score":-0.29900844964114104},{"text":"It may sort of negatively impact you a little bit in regards to, like, you know, the way you you view your your growth in your superannuation.","start":1452.49,"end":1458.635,"sentiment":"negative","sentiment_score":-0.5920481284459432}],"sentiment":"neutral","sentiment_score":-0.3199316522602094,"num_words":109,"start":1427.28,"end":1458.635},{"sentences":[{"text":"Just because you increase your exposure doesn't mean you're gonna increase the the return like you're sorta hoping for as well.","start":1459.015,"end":1465.255,"sentiment":"negative","sentiment_score":-0.4281070204008193},{"text":"And given that, you know, you might hit and you might wanna sort of look at accessing some of the the funds depending on if you do end up working or not as well, then that may sort of be negative overall in terms of the impact it may have.","start":1465.255,"end":1480.15,"sentiment":"negative","sentiment_score":-0.4029024624824524},{"text":"If you sort of go back to work and start contributing again and still feel like I am gonna be working in that ten years, I definitely wanna increase my exposure a little bit.","start":1480.15,"end":1488.125,"sentiment":"negative","sentiment_score":-0.37891730490852804},{"text":"That's something we can definitely review for you, but not working currently and things like that.","start":1488.125,"end":1493.645,"sentiment":"neutral","sentiment_score":-0.2527654580771923},{"text":"And given that, you know, your savings are getting in into a little bit and, you know, depending on the outcomes over that time period, it might sort of, yeah, bit too many variables.","start":1493.645,"end":1501.6604,"sentiment":"neutral","sentiment_score":-0.2847037609009182}],"sentiment":"negative","sentiment_score":-0.35963054270513595,"num_words":155,"start":1459.015,"end":1501.6604},{"sentences":[{"text":"So I wouldn't wanna sort of look at doing that at the moment in case things do change.","start":1501.6604,"end":1506.2867,"sentiment":"negative","sentiment_score":-0.4403117646773656},{"text":"But, you know, if you're in sort of, you know, three to six months time, if you're you're working and happy in your job and you feel like, you know, this is a career I can do for the next ten years, and I do wanna increase the exposure, and I'm aware of the risk, you know, of market downturns with everything going on.","start":1506.2867,"end":1521.005,"sentiment":"neutral","sentiment_score":0.14533468277659267},{"text":"That's definitely something we can look at for you and and look at bumping up for you.","start":1521.005,"end":1535.54,"sentiment":"neutral","sentiment_score":0.05329235744498232},{"text":"So given that we're not, like, looking at reviewing anything currently in regards to, like, updating it at the moment, I'll just get the team to organize the ROA to change the Bennelong specifically at as rest as far as the rest of the portfolio, it'll remain the same.","start":1535.6,"end":1551.0,"sentiment":"neutral","sentiment_score":0.017390900419796913},{"text":"It'll just be the percentage allocated to Bennelong will go to that a 200, which is an Australian index.","start":1551.0,"end":1556.28,"sentiment":"neutral","sentiment_score":0.06352363330753226}],"sentiment":"neutral","sentiment_score":0.02599330038016294,"num_words":167,"start":1501.6604,"end":1556.28},{"sentences":[{"text":"So Bennelong's in Australian equities.","start":1556.28,"end":1558.4601,"sentiment":"neutral","sentiment_score":0.030672038346529006},{"text":"And then with that that change of Bennelong, it'll just be going to that Australian 200 index, which has obviously experienced a little bit of a downturn with what has occurred in the war, but it also sort of works out a little bit that given that Benelung did come down, and then that's going down as well.","start":1558.76,"end":1573.515,"sentiment":"neutral","sentiment_score":0.00979553220857834},{"text":"You're kinda selling low, buying maybe a tad bit higher.","start":1573.515,"end":1575.835,"sentiment":"neutral","sentiment_score":0.03890976570546627},{"text":"And then hopefully, once the a 200 starts picking up, when the the war sort of starts to level level out there, you'll get some nice consistent return growth.","start":1575.835,"end":1584.22,"sentiment":"neutral","sentiment_score":0.18516928008918104},{"text":"So and is there anything else you wanna review in regards to your insurances or anything like that?","start":1587.24,"end":1594.5851,"sentiment":"neutral","sentiment_score":0.14150431007146835}],"sentiment":"neutral","sentiment_score":0.07522987850631277,"num_words":120,"start":1556.28,"end":1594.5851},{"sentences":[{"text":"You're happy with your your life and TPD cover that you currently hold?","start":1594.885,"end":1598.505,"sentiment":"neutral","sentiment_score":0.22408252839858717},{"text":"Two 100 and 20,000 of life and total permanent disability if sort of something was to occur where you cannot work again or if something was to occur where you're no longer around?","start":1602.005,"end":1611.24,"sentiment":"neutral","sentiment_score":-0.22276210942954727},{"text":"02/2020.","start":1614.74,"end":1615.78,"sentiment":"neutral","sentiment_score":-0.009218968451023102},{"text":"Sorry.","start":1615.78,"end":1616.28,"sentiment":"neutral","sentiment_score":-0.056592438369989395},{"text":"Yeah.","start":1617.3,"end":1617.795,"sentiment":"neutral","sentiment_score":0.02191231399774551}],"sentiment":"neutral","sentiment_score":-0.0914688945880958,"num_words":49,"start":1594.885,"end":1617.795},{"sentences":[{"text":"Yeah.","start":1626.675,"end":1626.915,"sentiment":"neutral","sentiment_score":0.08626484870910645},{"text":"Well, given that you don't really have any sort of debts, it's more than enough to sort of, you know, cover for maybe some ongoing living expenses.","start":1626.915,"end":1636.3099,"sentiment":"neutral","sentiment_score":-0.09329201653599739},{"text":"You know, if something were to happen, we're unable to sort of be able to to earn an income ever again and not working.","start":1636.3099,"end":1643.59,"sentiment":"neutral","sentiment_score":-0.2563967468837897},{"text":"The chances are that you'll sort of be traveling around a caravan, things like that, sort of lower as well.","start":1643.59,"end":1648.435,"sentiment":"neutral","sentiment_score":-0.006255421508103609},{"text":"So you may look to, you know, either sort of moving in with family or some sort of assisted living there as well, which that could go towards being able to sort of pay for those ongoing sort of living expenses, plus any sort of government assistance programs you might be sort of eligible for as well.","start":1648.435,"end":1663.95,"sentiment":"neutral","sentiment_score":0.10220449247903991}],"sentiment":"neutral","sentiment_score":-0.02236894482039204,"num_words":129,"start":1626.675,"end":1663.95},{"sentences":[{"text":"Yep.","start":1669.77,"end":1670.17,"sentiment":"neutral","sentiment_score":0.04980187863111496},{"text":"And did you want sort of, like, a a six month follow-up just to sort of touch base to see how things are going, see if you do wanna review your your superannuation again, see if you're back at work or not.","start":1670.17,"end":1681.115,"sentiment":"neutral","sentiment_score":0.07364798364939079},{"text":"Perfect.","start":1684.135,"end":1684.635,"sentiment":"positive","sentiment_score":0.5708075761795044},{"text":"As I said, I'll make a a note, and I'll ask the investment committee when I get a second there of any sort of individual platforms that they're sort of aware or happy sort of may pass some information along, sort of just as standard business practice that you can sort of have a review of and see if there's something that you might wanna do it on.","start":1685.015,"end":1701.44,"sentiment":"neutral","sentiment_score":0.20700599187437227},{"text":"If you do review those and feel like you do just want sort of to to manage it more so and then have just a bit of a say in what you may hold as well, then we're more than happy to review that again with you as well.","start":1701.44,"end":1713.1951,"sentiment":"neutral","sentiment_score":0.20204086290026196}],"sentiment":"neutral","sentiment_score":0.1719890341469266,"num_words":161,"start":1669.77,"end":1713.1951},{"sentences":[{"text":"No problem at all, Joanne.","start":1716.055,"end":1717.655,"sentiment":"positive","sentiment_score":0.48347447514534},{"text":"But is there anything else you wanna have a chat about today while you've got me there?","start":1717.655,"end":1720.875,"sentiment":"neutral","sentiment_score":0.20145038734464085},{"text":"No problem at all.","start":1723.655,"end":1724.61,"sentiment":"neutral","sentiment_score":0.2704615443944931},{"text":"Well, yeah, I'll get a start on that.","start":1725.17,"end":1726.77,"sentiment":"neutral","sentiment_score":0.19034144282341003},{"text":"I'll put you down for a six month follow-up just to to touch base and see if you do wanna review investments and maybe the wars settle down a little bit by then as well, and we can have a bit more of a chat around that.","start":1726.77,"end":1736.77,"sentiment":"neutral","sentiment_score":0.0784937487320697}],"sentiment":"neutral","sentiment_score":0.1498248502612114,"num_words":81,"start":1716.055,"end":1736.77},{"sentences":[{"text":"But, otherwise, good luck with with the job hunt there.","start":1736.77,"end":1740.065,"sentiment":"positive","sentiment_score":0.48815820962190626},{"text":"I hope you're enjoying your new place there, and we can sort of touch base soonish.","start":1740.065,"end":1744.325,"sentiment":"positive","sentiment_score":0.4714058244135231},{"text":"No problem, Joanne.","start":1747.1849,"end":1747.985,"sentiment":"positive","sentiment_score":0.3606491486231486},{"text":"Thanks for your time this morning.","start":1747.985,"end":1749.445,"sentiment":"positive","sentiment_score":0.5650651703278223},{"text":"Bye.","start":1750.705,"end":1751.205,"sentiment":"neutral","sentiment_score":-0.09606768935918808}],"sentiment":"positive","sentiment_score":0.46667627959201735,"num_words":36,"start":1736.77,"end":1751.205}]}}]},{"alternatives":[{"transcript":"Hello? Joanne speaking. Yeah. Good, ma'am. How are you doing? Yes. Yes. Yes. Certainly. So Joanne Yates, 11/04/1969, and I'm currently in the caravan park at 28 Black Street, Volby. Yes. Yes. Alright. I yeah. Yeah. She's supposed to have updated the door for me. Alright. Yeah. Yeah. Yeah. That's where I am now, but, yeah, I've had to let go of the investment property for now. Just haven't got a job as yet while I'm here. So they won't lend me any money until I get a job. But, yeah, I'm I'm I'm out here at Dolby now. I've been here about a month. So just sort of, yeah, find my way around. I'm a lot closer to my daughter and my grandson, which is good. And, yeah, just trying to find a job. No. I've got one here in Dolby now. Yes, please. Yeah. Yep. Yes. It'll be P 0 oh, the I think it's P 0 Box 203, Dolby now. That's right. Yeah. What was what do you mean? Sorry. What were you looking oh, yes. Yeah. Yep. Yeah. I just wanna start dabbling in investing, you know, and getting into the investing area. And I was just gonna start out small just in case because I don't you don't know where this world's gonna end up shortly. So and what the stock markets are gonna do. So now what I've got left I think I've only got about a 100 and 140 left now. But, yeah, I was sort of just hoping to I don't know what I'm looking for. Just just to dabble at present and because I'm interested in it and making some money that way. But I know I know 20,000 is not gonna help much, but yeah. Oh, that way. Yep. I'm sorry. I now I understand what you mean. Yeah. Yep. Alright. Yeah. I search main. Yeah. Yeah. No. So no. Not that 20,000. I think I've and I won't be looking for anything in the near future just yet. I'm waiting for the yeah, see what the past prices do. I'm not buying anything at these house prices for the present. So unless the market drops remarkably, housing market prices, I'm not going to be like, it'll stay there for a while at 20,000. Yeah. No. Well, I purchased a caravan, and I'm living in it here at the park. Yeah. Yeah. Yep. Mhmm. No. No. Not just the super. So what what you mean this, like, this 20,000 that I'm wanna invest? Mhmm. Yes. Alright. Mhmm. Alright. Yeah. Okay. Yep. Yeah. Mhmm. Yep. Yeah. Yep. Yep. Right. Okay. Yep. So, yeah, I'm definitely starting to go so I will be contributing back into my super as soon as I get a job. So this is this I just wanted this off the side, not combined with my super sort of if I could. Yeah. Yeah. Yep. Yep. Yes. Mhmm. Yep. Mhmm. My suit that you're talking about now, is it? Or the 20? Yep. Okay. Yep. Okay. Well, I have no plans to retire unless, god willing, for another ten years. So because I can't access a pension or anything till I'm 67, I think. It's not yeah. Yeah. Yeah. So at this stage, I'm going to be working as, you know, as long as I can be. Yeah. Well, it hurts if I get a job. It's been a couple of weeks, and I haven't been able to find anything. But, yeah, something will pop up. I'm not yeah. Yeah. So I'm not Yeah. So with the super, it's you guys manage it, don't you? Like Mhmm. Yeah. Yep. Mhmm. Okay. Mhmm. Yep. Yep. Yep. That's alright. That's the problem. Mhmm. Yeah. Yep. Mhmm. Yep. Yep. Mhmm. Yep. Yep. Yeah. Sure. Yeah. No. I'm happy to do, yeah, to take that Benelon out if you and put it into something else. That's fine. I'm happy with that. But yeah. So this this other one, but it so can it be can I manage this 20,000 myself in this investment thing? Or, like, can I move shares around and that sort of thing? Not. Yep. Oh, okay. Yeah. Alright. Yeah. Yeah. Yeah. Something just yeah. Just a dabble in and because I follow a bloke, Andrew Barnett. And he I sort of joined up to him, and he gives advice on buying and selling and all that type of thing. So, yeah, I was just looking for something to, yeah, a little bit more freedom probably to be able to move and do things myself. Yeah. Yeah. Yep. Mhmm. Yeah. Yep. Mhmm. Yeah. Yep. Mhmm. Yes. Yep. That's right. Yeah. Mhmm. Yeah. Yep. Yeah. I wanted something with a little bit more, probably, a little bit more freedom to do myself. Yeah. Yeah. Yep. Mhmm. Yep. Yeah. So well, now you've brought up my super. I could probably see, I've only got what about it? Ten years to go, and I've only got a 100 and how much I've only got a 140, is it, in my super? Yeah. So I could probably take a little bit more risk, I suppose, now I'm getting closer to that age of retiring. Yeah. No. Yeah. Yeah. Okay. Yep. Yep. Mhmm. Okay. Yeah. Mhmm. Yep. Mhmm. Yeah. Yep. So so your recommendation would be just a sit put for now with that? Yep. Mhmm. Yeah. Yep. Mhmm. Alright. Yep. Mhmm. Yep. Okay. Yep. Sure. No. That's fine. I'll just leave it as is. And so what about what about what's happening with this Benelon now? Are they are you taking it out of our the portfolios? Alright. Yeah. Yep. Yeah. Mhmm. Yes. Mhmm. Yep. Cool. That that sounds fun. Yeah. What what have I got there again? Sorry. What what covers? Mhmm. And it was what was it? A hundred and twenty? '2 hundred and twenty. Sorry. Yep. Okay. Oh, no. That should be okay, I think. Yep. Yep. Yep. Okay. Yep. Yeah. No. I'll probably leave it as it is then for a little while. Yeah. Alright. That's fine. Yeah. Yep. That'll be fine, though. That'd be good. Mhmm. Yep. Yep. That would be great. No. No. That's all good, I think. Thank you. Mhmm. Yeah. Yep. Yeah. Yep. Yep. No. That's great. Thank you very much. Okay. That's alright. Thank you. 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Joanne speaking. Yeah. Good, ma'am. How are you doing?\n\nYes. Yes. Yes. Certainly. So Joanne Yates, 11/04/1969, and I'm currently in the caravan park at 28 Black Street, Volby.\n\nYes. Yes. Alright. I yeah. Yeah.\n\nShe's supposed to have updated the door for me. Alright. Yeah. Yeah. Yeah.\n\nThat's where I am now, but, yeah, I've had to let go of the investment property for now. Just haven't got a job as yet while I'm here. So they won't lend me any money until I get a job. But, yeah, I'm I'm I'm out here at Dolby now. I've been here about a month.\n\nSo just sort of, yeah, find my way around. I'm a lot closer to my daughter and my grandson, which is good. And, yeah, just trying to find a job. No. I've got one here in Dolby now.\n\nYes, please. Yeah. Yep. Yes. It'll be P 0 oh, the I think it's P 0 Box 203, Dolby now.\n\nThat's right. Yeah. What was what do you mean? Sorry. What were you looking oh, yes.\n\nYeah. Yep. Yeah. I just wanna start dabbling in investing, you know, and getting into the investing area. And I was just gonna start out small just in case because I don't you don't know where this world's gonna end up shortly.\n\nSo and what the stock markets are gonna do. So now what I've got left I think I've only got about a 100 and 140 left now. But, yeah, I was sort of just hoping to I don't know what I'm looking for. Just just to dabble at present and because I'm interested in it and making some money that way. But I know I know 20,000 is not gonna help much, but yeah.\n\nOh, that way. Yep. I'm sorry. I now I understand what you mean. Yeah.\n\nYep. Alright. Yeah. I search main. Yeah.\n\nYeah. No. So no. Not that 20,000. I think I've and I won't be looking for anything in the near future just yet.\n\nI'm waiting for the yeah, see what the past prices do. I'm not buying anything at these house prices for the present. So unless the market drops remarkably, housing market prices, I'm not going to be like, it'll stay there for a while at 20,000. Yeah. No.\n\nWell, I purchased a caravan, and I'm living in it here at the park. Yeah. Yeah. Yep. Mhmm.\n\nNo. No. Not just the super. So what what you mean this, like, this 20,000 that I'm wanna invest? Mhmm.\n\nYes. Alright. Mhmm. Alright. Yeah.\n\nOkay. Yep. Yeah. Mhmm. Yep.\n\nYeah. Yep. Yep. Right. Okay.\n\nYep. So, yeah, I'm definitely starting to go so I will be contributing back into my super as soon as I get a job. So this is this I just wanted this off the side, not combined with my super sort of if I could. Yeah. Yeah.\n\nYep. Yep. Yes. Mhmm. Yep.\n\nMhmm. My suit that you're talking about now, is it? Or the 20? Yep. Okay.\n\nYep. Okay. Well, I have no plans to retire unless, god willing, for another ten years. So because I can't access a pension or anything till I'm 67, I think. It's not yeah.\n\nYeah. Yeah. So at this stage, I'm going to be working as, you know, as long as I can be. Yeah. Well, it hurts if I get a job.\n\nIt's been a couple of weeks, and I haven't been able to find anything. But, yeah, something will pop up. I'm not yeah. Yeah. So I'm not Yeah.\n\nSo with the super, it's you guys manage it, don't you? Like Mhmm. Yeah. Yep. Mhmm.\n\nOkay. Mhmm. Yep. Yep. Yep.\n\nThat's alright. That's the problem. Mhmm. Yeah. Yep.\n\nMhmm. Yep. Yep. Mhmm. Yep.\n\nYep. Yeah. Sure. Yeah. No.\n\nI'm happy to do, yeah, to take that Benelon out if you and put it into something else. That's fine. I'm happy with that. But yeah. So this this other one, but it so can it be can I manage this 20,000 myself in this investment thing?\n\nOr, like, can I move shares around and that sort of thing? Not. Yep. Oh, okay. Yeah.\n\nAlright. Yeah. Yeah. Yeah. Something just yeah.\n\nJust a dabble in and because I follow a bloke, Andrew Barnett. And he I sort of joined up to him, and he gives advice on buying and selling and all that type of thing. So, yeah, I was just looking for something to, yeah, a little bit more freedom probably to be able to move and do things myself. Yeah. Yeah.\n\nYep. Mhmm. Yeah. Yep. Mhmm.\n\nYeah. Yep. Mhmm. Yes. Yep.\n\nThat's right. Yeah. Mhmm. Yeah. Yep.\n\nYeah. I wanted something with a little bit more, probably, a little bit more freedom to do myself. Yeah. Yeah. Yep.\n\nMhmm. Yep. Yeah. So well, now you've brought up my super. I could probably see, I've only got what about it?\n\nTen years to go, and I've only got a 100 and how much I've only got a 140, is it, in my super? Yeah. So I could probably take a little bit more risk, I suppose, now I'm getting closer to that age of retiring. Yeah. No.\n\nYeah. Yeah. Okay. Yep. Yep.\n\nMhmm. Okay. Yeah. Mhmm. Yep.\n\nMhmm. Yeah. Yep. So so your recommendation would be just a sit put for now with that? Yep.\n\nMhmm. Yeah. Yep. Mhmm. Alright.\n\nYep. Mhmm. Yep. Okay. Yep.\n\nSure. No. That's fine. I'll just leave it as is. And so what about what about what's happening with this Benelon now?\n\nAre they are you taking it out of our the portfolios? Alright. Yeah. Yep. Yeah.\n\nMhmm. Yes. Mhmm. Yep. Cool.\n\nThat that sounds fun. Yeah. What what have I got there again? Sorry. What what covers?\n\nMhmm. And it was what was it? A hundred and twenty? '2 hundred and twenty. Sorry.\n\nYep. Okay. Oh, no. That should be okay, I think. Yep.\n\nYep. Yep. Okay. Yep. Yeah.\n\nNo. I'll probably leave it as it is then for a little while. Yeah. Alright. That's fine.\n\nYeah. Yep. That'll be fine, though. That'd be good. Mhmm.\n\nYep. Yep. That would be great. No. No.\n\nThat's all good, I think. Thank you. Mhmm. Yeah. Yep.\n\nYeah. Yep. Yep. No. That's great.\n\nThank you very much. Okay. That's alright. Thank you. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.019225288182497025},{"text":"Joanne speaking.","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.03244054224342108},{"text":"Yeah.","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.2813303768634796},{"text":"Good, ma'am.","start":6.72,"end":7.12,"sentiment":"positive","sentiment_score":0.5030413120985031},{"text":"How are you doing?","start":7.12,"end":8.02,"sentiment":"positive","sentiment_score":0.39405424147844315}],"sentiment":"neutral","sentiment_score":0.29477363396435974,"num_words":10,"start":1.28,"end":8.02},{"sentences":[{"text":"Yes.","start":12.4,"end":12.9,"sentiment":"neutral","sentiment_score":0.19633886218070984},{"text":"Yes.","start":12.96,"end":13.455,"sentiment":"neutral","sentiment_score":0.23675888776779175},{"text":"Yes.","start":18.654999,"end":18.814999,"sentiment":"neutral","sentiment_score":0.06545666605234146},{"text":"Certainly.","start":18.814999,"end":19.314999,"sentiment":"neutral","sentiment_score":0.07008960843086243},{"text":"So Joanne Yates, 11/04/1969, and I'm currently in the caravan park at 28 Black Street, Volby.","start":23.615,"end":30.93,"sentiment":"neutral","sentiment_score":0.027470857836306095}],"sentiment":"neutral","sentiment_score":0.05040888749063015,"num_words":20,"start":12.4,"end":30.93},{"sentences":[{"text":"Yes.","start":38.03,"end":38.35,"sentiment":"neutral","sentiment_score":0.05655274540185928},{"text":"Yes.","start":38.35,"end":38.685,"sentiment":"neutral","sentiment_score":0.0647154301404953},{"text":"Alright.","start":59.34,"end":59.66,"sentiment":"neutral","sentiment_score":0.09447457641363144},{"text":"I yeah.","start":59.66,"end":59.98,"sentiment":"neutral","sentiment_score":0.1380607672035694},{"text":"Yeah.","start":59.98,"end":60.14,"sentiment":"neutral","sentiment_score":0.144396111369133}],"sentiment":"neutral","sentiment_score":0.10604339962204297,"num_words":6,"start":38.03,"end":60.14},{"sentences":[{"text":"She's supposed to have updated the door for me.","start":60.14,"end":62.4,"sentiment":"neutral","sentiment_score":0.08833371599515279},{"text":"Alright.","start":63.285,"end":63.785,"sentiment":"neutral","sentiment_score":0.021726107224822044},{"text":"Yeah.","start":70.1775,"end":70.6775,"sentiment":"neutral","sentiment_score":-0.048191435635089874},{"text":"Yeah.","start":88.99,"end":89.31,"sentiment":"neutral","sentiment_score":-0.038508061319589615},{"text":"Yeah.","start":89.31,"end":89.47,"sentiment":"neutral","sentiment_score":-0.052115149796009064}],"sentiment":"neutral","sentiment_score":0.052147300340808354,"num_words":13,"start":60.14,"end":89.47},{"sentences":[{"text":"That's where I am now, but, yeah, I've had to let go of the investment property for now.","start":89.47,"end":95.175,"sentiment":"neutral","sentiment_score":-0.12476436793804169},{"text":"Just haven't got a job as yet while I'm here.","start":96.835,"end":100.615,"sentiment":"neutral","sentiment_score":-0.12224885001778603},{"text":"So they won't lend me any money until I get a job.","start":101.315,"end":104.1,"sentiment":"neutral","sentiment_score":-0.12125795800238848},{"text":"But, yeah, I'm I'm I'm out here at Dolby now.","start":105.939995,"end":108.36,"sentiment":"neutral","sentiment_score":0.058992328122258186},{"text":"I've been here about a month.","start":108.659996,"end":109.939995,"sentiment":"neutral","sentiment_score":0.07681765655676524}],"sentiment":"neutral","sentiment_score":-0.06915202497371606,"num_words":56,"start":89.47,"end":109.939995},{"sentences":[{"text":"So just sort of, yeah, find my way around.","start":109.939995,"end":115.14,"sentiment":"neutral","sentiment_score":0.11392008513212204},{"text":"I'm a lot closer to my daughter and my grandson, which is good.","start":115.14,"end":117.78,"sentiment":"neutral","sentiment_score":0.2857353011002907},{"text":"And, yeah, just trying to find a job.","start":117.78,"end":125.545,"sentiment":"neutral","sentiment_score":0.04902939614839852},{"text":"No.","start":126.905,"end":127.145004,"sentiment":"neutral","sentiment_score":-0.06466664373874664},{"text":"I've got one here in Dolby now.","start":127.145004,"end":129.005,"sentiment":"neutral","sentiment_score":-0.02159684563853911}],"sentiment":"neutral","sentiment_score":0.1293744812229354,"num_words":38,"start":109.939995,"end":129.005},{"sentences":[{"text":"Yes, please.","start":141.34001,"end":141.98001,"sentiment":"neutral","sentiment_score":0.07418157160282135},{"text":"Yeah.","start":141.98001,"end":142.22,"sentiment":"neutral","sentiment_score":0.0923483669757843},{"text":"Yep.","start":142.22,"end":142.72,"sentiment":"neutral","sentiment_score":0.11223213374614716},{"text":"Yes.","start":152.755,"end":153.075,"sentiment":"neutral","sentiment_score":0.14022532105445862},{"text":"It'll be P 0 oh, the I think it's P 0 Box 203, Dolby now.","start":153.075,"end":157.575,"sentiment":"neutral","sentiment_score":0.06482946189741294}],"sentiment":"neutral","sentiment_score":0.07328054467216134,"num_words":20,"start":141.34001,"end":157.575},{"sentences":[{"text":"That's right.","start":177.135,"end":177.61499,"sentiment":"neutral","sentiment_score":0.007400954142212868},{"text":"Yeah.","start":177.61499,"end":178.11499,"sentiment":"neutral","sentiment_score":0.029663164168596268},{"text":"What was what do you mean?","start":191.79999,"end":192.92,"sentiment":"neutral","sentiment_score":-0.09786302347977956},{"text":"Sorry.","start":192.92,"end":193.42,"sentiment":"neutral","sentiment_score":-0.1615399718284607},{"text":"What were you looking oh, yes.","start":195.07999,"end":201.165,"sentiment":"neutral","sentiment_score":-0.09641009041418631}],"sentiment":"neutral","sentiment_score":-0.08016959892120212,"num_words":16,"start":177.135,"end":201.165},{"sentences":[{"text":"Yeah.","start":201.405,"end":201.905,"sentiment":"neutral","sentiment_score":0.028493400663137436},{"text":"Yep.","start":202.20499,"end":202.44499,"sentiment":"neutral","sentiment_score":0.06838244199752808},{"text":"Yeah.","start":202.44499,"end":202.685,"sentiment":"neutral","sentiment_score":0.05448979511857033},{"text":"I just wanna start dabbling in investing, you know, and getting into the investing area.","start":202.685,"end":212.70499,"sentiment":"neutral","sentiment_score":0.05944383169213931},{"text":"And I was just gonna start out small just in case because I don't you don't know where this world's gonna end up shortly.","start":213.805,"end":220.84001,"sentiment":"neutral","sentiment_score":-0.018028821020076673}],"sentiment":"neutral","sentiment_score":0.014531700206654412,"num_words":42,"start":201.405,"end":220.84001},{"sentences":[{"text":"So and what the stock markets are gonna do.","start":220.84001,"end":224.86,"sentiment":"neutral","sentiment_score":-0.05933206445640988},{"text":"So now what I've got left I think I've only got about a 100 and 140 left now.","start":252.06999,"end":258.01,"sentiment":"neutral","sentiment_score":-0.08688515259159936},{"text":"But, yeah, I was sort of just hoping to I don't know what I'm looking for.","start":261.955,"end":269.555,"sentiment":"neutral","sentiment_score":-0.24025851301848888},{"text":"Just just to dabble at present and because I'm interested in it and making some money that way.","start":269.555,"end":277.69,"sentiment":"positive","sentiment_score":0.34819301466147107},{"text":"But I know I know 20,000 is not gonna help much, but yeah.","start":278.38998,"end":282.40997,"sentiment":"neutral","sentiment_score":-0.1804282980469557}],"sentiment":"neutral","sentiment_score":-0.02729933980751682,"num_words":74,"start":220.84001,"end":282.40997},{"sentences":[{"text":"Oh, that way.","start":296.685,"end":297.825,"sentiment":"neutral","sentiment_score":0.012722808246811232},{"text":"Yep.","start":297.96503,"end":298.36502,"sentiment":"neutral","sentiment_score":0.010292818769812584},{"text":"I'm sorry.","start":298.36502,"end":298.765,"sentiment":"neutral","sentiment_score":-0.08491415902972221},{"text":"I now I understand what you mean.","start":298.765,"end":300.30502,"sentiment":"neutral","sentiment_score":-0.08753235265612602},{"text":"Yeah.","start":309.18,"end":309.68,"sentiment":"neutral","sentiment_score":-0.11746274679899216}],"sentiment":"neutral","sentiment_score":-0.06082544928150518,"num_words":14,"start":296.685,"end":309.68},{"sentences":[{"text":"Yep.","start":316.26498,"end":316.76498,"sentiment":"neutral","sentiment_score":-0.1468733847141266},{"text":"Alright.","start":334.44,"end":334.94,"sentiment":"neutral","sentiment_score":0.011288246139883997},{"text":"Yeah.","start":336.04,"end":336.36,"sentiment":"neutral","sentiment_score":-0.012187032029032707},{"text":"I search main.","start":336.36,"end":337.08,"sentiment":"neutral","sentiment_score":-0.022619177276889484},{"text":"Yeah.","start":337.08,"end":337.24,"sentiment":"neutral","sentiment_score":0.007194705307483673}],"sentiment":"neutral","sentiment_score":-0.02977642816092287,"num_words":7,"start":316.26498,"end":337.24},{"sentences":[{"text":"Yeah.","start":337.24,"end":337.47998,"sentiment":"neutral","sentiment_score":-0.026980537921190265},{"text":"No.","start":337.47998,"end":337.8,"sentiment":"neutral","sentiment_score":-0.24312447011470795},{"text":"So no.","start":337.8,"end":339.0,"sentiment":"neutral","sentiment_score":-0.3042548894882202},{"text":"Not that 20,000.","start":339.0,"end":340.12,"sentiment":"negative","sentiment_score":-0.3606650034586589},{"text":"I think I've and I won't be looking for anything in the near future just yet.","start":340.12,"end":344.03998,"sentiment":"negative","sentiment_score":-0.4162730537354946}],"sentiment":"negative","sentiment_score":-0.3748251590067926,"num_words":23,"start":337.24,"end":344.03998},{"sentences":[{"text":"I'm waiting for the yeah, see what the past prices do.","start":344.03998,"end":346.395,"sentiment":"negative","sentiment_score":-0.3465785167433999},{"text":"I'm not buying anything at these house prices for the present.","start":346.395,"end":349.055,"sentiment":"negative","sentiment_score":-0.5008960962295532},{"text":"So unless the market drops remarkably, housing market prices, I'm not going to be like, it'll stay there for a while at 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yeah, I'm definitely starting to go so I will be contributing back into my super as soon as I get a job.","start":565.55,"end":570.93,"sentiment":"positive","sentiment_score":0.7074316131032031},{"text":"So this is this I just wanted this off the side, not combined with my super sort of if I 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suit that you're talking about now, is it?","start":637.415,"end":639.83496,"sentiment":"neutral","sentiment_score":0.0636648792359564},{"text":"Or the 20?","start":640.21497,"end":641.115,"sentiment":"neutral","sentiment_score":0.026273140062888462},{"text":"Yep.","start":653.12,"end":653.62,"sentiment":"neutral","sentiment_score":0.1220579445362091},{"text":"Okay.","start":676.18,"end":676.68,"sentiment":"neutral","sentiment_score":-0.0016039535403251648}],"sentiment":"neutral","sentiment_score":0.056688573708136875,"num_words":15,"start":631.33496,"end":676.68},{"sentences":[{"text":"Yep.","start":705.95996,"end":706.45996,"sentiment":"neutral","sentiment_score":0.006172306835651398},{"text":"Okay.","start":710.51996,"end":711.01996,"sentiment":"neutral","sentiment_score":0.017040377482771873},{"text":"Well, I have no plans to retire unless, god willing, for another ten years.","start":711.875,"end":717.655,"sentiment":"neutral","sentiment_score":-0.094620853928583},{"text":"So because I can't access a pension or anything till I'm 67, I think.","start":718.995,"end":725.315,"sentiment":"neutral","sentiment_score":-0.12854555382260255},{"text":"It's not yeah.","start":725.315,"end":727.60004,"sentiment":"neutral","sentiment_score":-0.06322254240512848}],"sentiment":"neutral","sentiment_score":-0.09972074701253211,"num_words":33,"start":705.95996,"end":727.60004},{"sentences":[{"text":"Yeah.","start":728.38,"end":728.54,"sentiment":"neutral","sentiment_score":0.00499206967651844},{"text":"Yeah.","start":728.54,"end":729.02,"sentiment":"neutral","sentiment_score":0.010395114310085772},{"text":"So at this stage, I'm going to be working as, you know, as long as I can be.","start":729.02,"end":735.52,"sentiment":"neutral","sentiment_score":-0.011061750145422088},{"text":"Yeah.","start":739.82,"end":740.06,"sentiment":"neutral","sentiment_score":-0.07408852875232697},{"text":"Well, it hurts if I get a 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happy to do, yeah, to take that Benelon out if you and put it into something else.","start":956.37,"end":963.575,"sentiment":"neutral","sentiment_score":-0.06869616193903817},{"text":"That's fine.","start":963.575,"end":964.135,"sentiment":"neutral","sentiment_score":0.20488395541906357},{"text":"I'm happy with that.","start":964.135,"end":965.595,"sentiment":"positive","sentiment_score":0.39977211505174637},{"text":"But yeah.","start":969.495,"end":969.895,"sentiment":"neutral","sentiment_score":0.03833412751555443},{"text":"So this this other one, but it so can it be can I manage this 20,000 myself in this investment thing?","start":969.895,"end":981.87,"sentiment":"neutral","sentiment_score":0.05901699229365304}],"sentiment":"neutral","sentiment_score":0.04443299041149464,"num_words":47,"start":956.37,"end":981.87},{"sentences":[{"text":"Or, like, can I move shares around and that sort of 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twenty?","start":1613.025,"end":1614.005,"sentiment":"neutral","sentiment_score":-0.02573559433221817},{"text":"'2 hundred and twenty.","start":1615.7451,"end":1616.785,"sentiment":"neutral","sentiment_score":-0.04024007823318243},{"text":"Sorry.","start":1616.785,"end":1617.025,"sentiment":"neutral","sentiment_score":-0.057590823620557785}],"sentiment":"neutral","sentiment_score":-0.04003507550805807,"num_words":16,"start":1611.5851,"end":1617.025},{"sentences":[{"text":"Yep.","start":1617.025,"end":1617.45,"sentiment":"neutral","sentiment_score":0.003037902293726802},{"text":"Okay.","start":1617.61,"end":1618.11,"sentiment":"neutral","sentiment_score":0.03860856592655182},{"text":"Oh, no.","start":1623.21,"end":1623.5299,"sentiment":"neutral","sentiment_score":0.004366567358374596},{"text":"That should be okay, I think.","start":1623.5299,"end":1625.1499,"sentiment":"neutral","sentiment_score":0.1275137128929297},{"text":"Yep.","start":1643.255,"end":1643.755,"sentiment":"neutral","sentiment_score":0.01703428477048874}],"sentiment":"neutral","sentiment_score":0.07568146955137225,"num_words":11,"start":1617.025,"end":1643.755},{"sentences":[{"text":"Yep.","start":1654.02,"end":1654.52,"sentiment":"neutral","sentiment_score":0.13512729108333588},{"text":"Yep.","start":1662.795,"end":1663.295,"sentiment":"neutral","sentiment_score":0.05185785889625549},{"text":"Okay.","start":1664.3151,"end":1664.795,"sentiment":"neutral","sentiment_score":0.05583987757563591},{"text":"Yep.","start":1664.795,"end":1665.295,"sentiment":"neutral","sentiment_score":0.04378442466259003},{"text":"Yeah.","start":1665.675,"end":1665.915,"sentiment":"neutral","sentiment_score":0.022026440128684044}],"sentiment":"neutral","sentiment_score":0.06172717846930027,"num_words":5,"start":1654.02,"end":1665.915},{"sentences":[{"text":"No.","start":1665.915,"end":1666.3151,"sentiment":"neutral","sentiment_score":-0.0846356675028801},{"text":"I'll probably leave it as it is then for a little while.","start":1666.3151,"end":1668.715,"sentiment":"neutral","sentiment_score":-0.09575679308424394},{"text":"Yeah.","start":1668.715,"end":1669.215,"sentiment":"neutral","sentiment_score":0.044861309230327606},{"text":"Alright.","start":1670.395,"end":1670.715,"sentiment":"neutral","sentiment_score":0.06956061720848083},{"text":"That's fine.","start":1670.715,"end":1671.535,"sentiment":"neutral","sentiment_score":0.144715316593647}],"sentiment":"neutral","sentiment_score":-0.04881556616986499,"num_words":17,"start":1665.915,"end":1671.535},{"sentences":[{"text":"Yeah.","start":1681.01,"end":1681.25,"sentiment":"neutral","sentiment_score":0.12323607504367828},{"text":"Yep.","start":1681.25,"end":1681.5701,"sentiment":"neutral","sentiment_score":0.15412074327468872},{"text":"That'll be fine, though.","start":1681.5701,"end":1682.61,"sentiment":"neutral","sentiment_score":0.3070984110236168},{"text":"That'd be good.","start":1682.61,"end":1683.43,"sentiment":"positive","sentiment_score":0.5477352142333984},{"text":"Mhmm.","start":1702.62,"end":1703.12,"sentiment":"neutral","sentiment_score":0.0015790496254339814}],"sentiment":"neutral","sentiment_score":0.31505351547384636,"num_words":10,"start":1681.01,"end":1703.12},{"sentences":[{"text":"Yep.","start":1713.26,"end":1713.58,"sentiment":"neutral","sentiment_score":0.24790522456169128},{"text":"Yep.","start":1713.58,"end":1713.9,"sentiment":"positive","sentiment_score":0.3510178327560425},{"text":"That would be great.","start":1713.9,"end":1714.635,"sentiment":"positive","sentiment_score":0.751569926738739},{"text":"No.","start":1720.795,"end":1721.035,"sentiment":"neutral","sentiment_score":-0.08822924643754959},{"text":"No.","start":1721.035,"end":1721.275,"sentiment":"neutral","sentiment_score":-0.05854355543851853}],"sentiment":"positive","sentiment_score":0.4323037452995777,"num_words":8,"start":1713.26,"end":1721.275},{"sentences":[{"text":"That's all good, I think.","start":1721.275,"end":1722.395,"sentiment":"neutral","sentiment_score":0.24389204978942872},{"text":"Thank you.","start":1722.395,"end":1723.055,"sentiment":"positive","sentiment_score":0.5636625289916992},{"text":"Mhmm.","start":1727.035,"end":1727.49,"sentiment":"neutral","sentiment_score":0.0468069463968277},{"text":"Yeah.","start":1734.05,"end":1734.55,"sentiment":"neutral","sentiment_score":0.08478103578090668},{"text":"Yep.","start":1736.77,"end":1737.27,"sentiment":"neutral","sentiment_score":0.1302240490913391}],"sentiment":"neutral","sentiment_score":0.2608597338199615,"num_words":10,"start":1721.275,"end":1737.27},{"sentences":[{"text":"Yeah.","start":1743.325,"end":1743.645,"sentiment":"neutral","sentiment_score":0.10833717882633208},{"text":"Yep.","start":1743.645,"end":1744.145,"sentiment":"neutral","sentiment_score":0.08678518235683441},{"text":"Yep.","start":1744.2849,"end":1744.7849,"sentiment":"neutral","sentiment_score":0.09467097371816637},{"text":"No.","start":1744.9249,"end":1745.245,"sentiment":"neutral","sentiment_score":0.13627707958221436},{"text":"That's great.","start":1745.245,"end":1745.8049,"sentiment":"positive","sentiment_score":0.6525519490242004}],"sentiment":"neutral","sentiment_score":0.28852905208865803,"num_words":6,"start":1743.325,"end":1745.8049},{"sentences":[{"text":"Thank you very much.","start":1745.8049,"end":1746.865,"sentiment":"positive","sentiment_score":0.7920955568552017},{"text":"Okay.","start":1748.205,"end":1748.705,"sentiment":"positive","sentiment_score":0.5013614892959595},{"text":"That's alright.","start":1748.845,"end":1749.565,"sentiment":"positive","sentiment_score":0.34433427453041077},{"text":"Thank you.","start":1749.565,"end":1750.285,"sentiment":"positive","sentiment_score":0.6236723959445953},{"text":"Bye.","start":1750.285,"end":1750.785,"sentiment":"positive","sentiment_score":0.347892701625824}],"sentiment":"positive","sentiment_score":0.5953649759292603,"num_words":10,"start":1745.8049,"end":1750.785}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Joanne speaking.\n\nChannel 0: Good morning, Joanne. It's Carl calling from Financial. How are you today?\n\nChannel 1: Yeah. Good, ma'am. How are you doing?\n\nChannel 0: Yeah. Not too bad at all. Thanks for asking. I just get you in for a bit of a conversation.\n\nChannel 1: Yes. Yes.\n\nChannel 0: Perfect. Just to jump into that one. Can I just pass you through security first there, John, which is\n\nChannel 1: Yes.\n\nChannel 0: that\n\nChannel 1: Certainly.\n\nChannel 0: 3.2 yeah? Right. Just that name, date of birth, and current address, please?\n\nChannel 1: So Joanne Yates, 11/04/1969, and I'm currently in the caravan park at 28 Black Street, Volby.\n\nChannel 0: Not a problem. Purchase. And is that your new permanent residence there?\n\nChannel 1: Yes. Yes.\n\nChannel 0: I think I just update that one. I believe you spoke with my colleague yesterday. I was just doing it in the the workbook today.\n\nChannel 1: Alright. I yeah.\n\nChannel 0: Perfect.\n\nChannel 1: Yeah. She's supposed to have updated the door for me.\n\nChannel 0: Yeah.\n\nChannel 1: Alright.\n\nChannel 0: The workbooks are separate to, like, your superannuation and things like that. The workbooks only really the advisers sort of jump into\n\nChannel 1: Yeah.\n\nChannel 0: unless the the team is updating, like, some other things as well. But I know from when we spoke last year, Joanne, you were potentially thinking of, obviously, you know, buying the investment property, potentially moving closer to the family. Is that where like, moving out to Dolby, is that closer to the family? Is that where you ended up?\n\nChannel 1: Yeah. Yeah. That's where I am now, but, yeah, I've had to let go of the investment property for now. Just haven't got a job as yet while I'm here.\n\nChannel 0: Yep.\n\nChannel 1: So they won't lend me any money until I get a job. But, yeah, I'm I'm I'm out here at Dolby now. I've been here about a month. So just sort of, yeah, find my way around. I'm a lot closer to my daughter and my grandson, which is good.\n\nAnd, yeah, just trying to find\n\nChannel 0: Yep. And do you\n\nChannel 1: a\n\nChannel 0: still have your PO box\n\nChannel 1: job.\n\nChannel 0: in?\n\nChannel 1: No. I've got one here\n\nChannel 0: Yep.\n\nChannel 1: in Dolby now.\n\nChannel 0: And which would you like the PO box to be your mailing address?\n\nChannel 1: Yes, please. Yeah. Yep.\n\nChannel 0: Yeah. Okay. Okay. Perfect. I'll just make sure that that's the address that's updated for your mailing purposes there as well\n\nChannel 1: Yes. It'll\n\nChannel 0: and\n\nChannel 1: be\n\nChannel 0: not\n\nChannel 1: P\n\nChannel 0: just\n\nChannel 1: 0 oh,\n\nChannel 0: you.\n\nChannel 1: the I think it's P 0 Box 203, Dolby now.\n\nChannel 0: Perfect. And I know you mentioned to my colleague there that given that you're sort of just in between jobs and you're not currently able to to borrow that you want to potentially invest some money at the moment?\n\nChannel 1: That's right. Yeah.\n\nChannel 0: Yep. And is that, like, purely, like, a a short term thing? Is that something that you plan on holding even if you were to get a property? Is that something you potentially wanna sort of liquidate once you were to get a property?\n\nChannel 1: What was what do you mean? Sorry.\n\nChannel 0: So\n\nChannel 1: What were you looking\n\nChannel 0: as it because I know you said you approximately wanna put, like, $20,000 into, like, an\n\nChannel 1: oh,\n\nChannel 0: investment account.\n\nChannel 1: yes. Yeah.\n\nChannel 0: Yes.\n\nChannel 1: Yep. Yeah.\n\nChannel 0: If\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: just wanna start dabbling\n\nChannel 0: yep.\n\nChannel 1: in investing,\n\nChannel 0: Yep.\n\nChannel 1: you know, and getting into the investing area. And I was just gonna start out small just in case\n\nChannel 0: Yep.\n\nChannel 1: because I don't you don't know where this world's gonna end up shortly. So\n\nChannel 0: Yeah. Not\n\nChannel 1: and what\n\nChannel 0: a\n\nChannel 1: the\n\nChannel 0: 100\n\nChannel 1: stock markets are gonna do.\n\nChannel 0: percent. Given, yeah, everything that is going on. Given that you do potentially still wanna purchase a property with the I know you have quite significant savings from the sale of the house. Now with that 20,000 going into an investment, do you feel like you'd still have an adequate deposit given, like, a job that you might sort of get following that, that you wouldn't have to touch that money that you put into an investment?\n\nChannel 1: So now what I've got left I think I've only got about a 100 and 140 left now. But, yeah, I was sort of just hoping to I don't know what I'm looking for. Just just to dabble at present and because I'm interested in it and making some money that way.\n\nChannel 0: Yeah.\n\nChannel 1: But\n\nChannel 0: It's\n\nChannel 1: I know I know 20,000 is not gonna help much, but\n\nChannel 0: just\n\nChannel 1: yeah.\n\nChannel 0: that I'm yeah. I'm just mindful in the sense that if you were looking at a property and, you know, say, like, you know, you've got your 120 and $20,000 in the investment that you may need to liquidate that investment to be able to purchase, like, a property in the future that you do wanna do. And\n\nChannel 1: Oh,\n\nChannel 0: then\n\nChannel 1: that\n\nChannel 0: Okay.\n\nChannel 1: way. Yep. I'm sorry. I now I understand\n\nChannel 0: Yeah.\n\nChannel 1: what you mean.\n\nChannel 0: Yeah. Because, like, we're obviously long term investors. And even though you say you wanna double, like you said, it is quite volatile in the sense that the markets are going a lot of ups and downs at the moment. So if you were\n\nChannel 1: Yeah.\n\nChannel 0: to invest in the next sort of three months if the war was to continue, there is a good chance that it might sort of decrease in that time. And then,\n\nChannel 1: Yep.\n\nChannel 0: obviously, you know, if the war, like, was to finish, there's a chance that it will obviously go up, but which isn't a sort of factor in, like, the long term. But, say, if you did invest and then the wall continues, it goes down, you know, by five or 10%, and then you need that money in three to six months' time for the property, you might have lost money in that time instead\n\nChannel 1: Alright.\n\nChannel 0: of, like, making money, obviously.\n\nChannel 1: Yeah. I search main. Yeah. Yeah. No.\n\nSo no. Not that 20,000. I think I've and I won't be looking for anything in the near future just yet. I'm waiting for the yeah, see what the past prices do. I'm not buying anything at these house prices for the present.\n\nSo unless the market drops remarkably, housing\n\nChannel 0: Yep.\n\nChannel 1: market prices, I'm not going to be like, it'll stay there for a while at 20,000. Yeah.\n\nChannel 0: Yep. And then with the relocation and moving to the caravan park, do you rent the caravan park, or do you purchase, like, a unit inside the caravan park?\n\nChannel 1: No. Well, I purchased a caravan, and I'm living in it here at the\n\nChannel 0: Ah, okay. And\n\nChannel 1: park.\n\nChannel 0: then just renting a lot there?\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Okay. Perfect. And within regards to any other I know you got the car as well and then the $1.40\n\nChannel 1: Mhmm.\n\nChannel 0: in savings. Is there anything else at the moment with you sort of selling down and moving out to Dolby?\n\nChannel 1: No. No. Not just the super.\n\nChannel 0: Yep. Perfect. Because with that too, because you are sort of four years, you know, closer to, you know, three and a half probably by the time everything gets sort of sorted in regards to accessing super. Have you thought about just sort of having a smaller amount contributed to your superannuation over the next sort of few years? When you sort of start contributed to your superannuation over the next sort of few years when you sort of start working again as well?\n\nChannel 1: So what what you mean this, like, this 20,000 that I'm wanna\n\nChannel 0: Yeah.\n\nChannel 1: invest?\n\nChannel 0: Well, no. Maybe not into, like, a a lump sum type deal, but, like, just in regards to because, obviously, investments outside of super are much like investments inside super in terms of, like, you know, what you do hold. Like, you can hold, like, direct shares, exchange traded funds, things like that as well.\n\nChannel 1: Mhmm.\n\nChannel 0: So you can look to given your, you know, age to to the age of 60 and given that you are working at the moment or sort of looking to potentially go back to work, you could look at maybe contributing to superannuation. So that way when it comes to, you know, the age of 60, if you are, you know, working part time, wanna draw down some of the funds or looking to access some of the money, even though it is\n\nChannel 1: Yes.\n\nChannel 0: in the superannuation after 60, you can actually access up to 10% even with you working.\n\nChannel 1: Alright.\n\nChannel 0: And the distributions are, like, tax free. And then if it's inside the tax environment, it doesn't have to worry about things like, you know, adding to the individual tax return, things like that as well.\n\nChannel 1: Mhmm.\n\nChannel 0: And then because you've already got your superannuation fund and paying for that fund, you're, like, lowering the administration costs\n\nChannel 1: Alright.\n\nChannel 0: for the money invested. Obviously, the bit of a downside is is you do lock it away at least until the age of 60,\n\nChannel 1: Yeah.\n\nChannel 0: which given, you know, you're saying that, obviously, you know, longer term, you are looking at having it sort of put away for investment to grow as opposed to having it outside of it, you know, all the income that is earned off that investment, whether it's sort of dividends paid and things like that can form part of your individual tax return.\n\nChannel 1: Okay.\n\nChannel 0: Not that it would probably make a huge deal, but there's a little bit more administration. You're paying for, you know, a separate investment fund as well. And then with if you were to just contribute to super, it's much like what you've got going on now or just contributions going in like you were working.\n\nChannel 1: Yep.\n\nChannel 0: The risk is obviously you just have it locked away for a bit longer, but then the money is also compounding a bit better as well because\n\nChannel 1: Yeah.\n\nChannel 0: you've got more funds in there. You get a little bit more compounding growth having the funds together.\n\nChannel 1: Mhmm.\n\nChannel 0: And given that, you know, you're only that sort of three and a half to four years sort of from the age of 16 being able to draw down it, that's sort of like a minimum time frame for, like, a balanced balanced sort of growth investment anyway to get\n\nChannel 1: Yep.\n\nChannel 0: the sort of average returns and especially with things the way that how the markets are so volatile with the war going on at the moment. So with that, you know, that is an alternative option just to add some more money into to superannuation and get that growing to your\n\nChannel 1: Yeah.\n\nChannel 0: time\n\nChannel 1: Yep. Yep.\n\nChannel 0: and goals as well as opposed to, yeah, the individual investment.\n\nChannel 1: Right. Okay. Yep. So, yeah, I'm definitely starting to go so I will be contributing back into my super as soon as I get a job.\n\nChannel 0: Yeah.\n\nChannel 1: So this is this I just wanted this off the side, not combined with my super sort of if I could.\n\nChannel 0: Yeah. You def you definitely can. It's\n\nChannel 1: Yeah.\n\nChannel 0: definitely an option. Obviously, I just wanted to explain, you know, the the other options out there for you.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: But if you do wanna just have it like in an IDPS account that is separate to your superannuation, it can be in a different risk profile there as well. And then you can sort of just,\n\nChannel 1: Yep.\n\nChannel 0: yeah, monitor it and maybe make a few more different changes as opposed to superannuation.\n\nChannel 1: Yes.\n\nChannel 0: With that, generally, we do have your super, like, invested a tad more aggressive than outside super investments just in the off chance that you do need to, like, access the funds. At the\n\nChannel 1: Mhmm.\n\nChannel 0: moment, you're in, like, a balanced growth portfolio for your superannuation,\n\nChannel 1: Yep.\n\nChannel 0: which is quite defensive in the sense that it is, like, a, you know, a sixty forty ish split. If you went to more of, like, a balanced or conservative option, you may be looking at, like, fifty fifty\n\nChannel 1: Mhmm.\n\nChannel 0: for that. Is that something you've had a thought about and how aggressively you might wanna have that invested?\n\nChannel 1: My suit that you're talking about now, is it? Or\n\nChannel 0: Or\n\nChannel 1: the\n\nChannel 0: just\n\nChannel 1: 20?\n\nChannel 0: in regard yes. A a bit of both there as well. I can run through those risk profile questionnaire questions again. Obviously, with the super, you did still come out as like a moderate investor, which is in line with sort of like a a balanced growth\n\nChannel 1: Yep.\n\nChannel 0: sort of allocation. But given, you know, it's not too far off being a bit more conservative, you can sort of look at still that balance option for the outside super investments. It means it is a little bit more defensive if you did need the funds. It's like during these volatile market times. It's less likely to take as big of a hit as opposed to, like, having it more aggressively invested.\n\nAnd then\n\nChannel 1: Okay.\n\nChannel 0: with that, you're obviously looking at, like, a smaller time frame for, like, to get the average out of that, whereas the high growth, obviously, they have bigger ups and downs. So you wanna be quite conservative in terms of, like, the time you are having invested for versus being in more balanced option. It's, you know, a lot more fixed interest cash defensive assets that are similar to, like, you know, if you were to hold it in shorter periods to get those returns out of it. And, obviously, the return just is projected to be a little bit lower there as well,\n\nChannel 1: Yep.\n\nChannel 0: like, as far as an average, if that makes sense.\n\nChannel 1: Okay. Well, I have no plans to retire unless, god willing, for another\n\nChannel 0: Yep.\n\nChannel 1: ten years.\n\nChannel 0: Yep.\n\nChannel 1: So because I can't access a pension or anything till I'm 67, I think. It's not\n\nChannel 0: Yeah. I'm 67\n\nChannel 1: yeah.\n\nChannel 0: at the moment.\n\nChannel 1: Yeah. Yeah. So at this stage, I'm going to be working as, you know, as long as I can be.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. Well, it hurts if I get a job. It's been a couple of weeks, and I haven't been able to find anything. But, yeah, something\n\nChannel 0: Yeah.\n\nChannel 1: will\n\nChannel 0: With\n\nChannel 1: pop\n\nChannel 0: everything\n\nChannel 1: up. I'm\n\nChannel 0: going,\n\nChannel 1: not\n\nChannel 0: yeah, at\n\nChannel 1: yeah.\n\nChannel 0: the moment, it's a little bit hard, obviously.\n\nChannel 1: Yeah. So\n\nChannel 0: And\n\nChannel 1: I'm not\n\nChannel 0: given the obviously, you know, you are a little bit busy busy with the move and everything, you have time to obviously, you know, run through the presentation and everything like that. You don't wanna sort of get your your feet settled before finalizing everything and maybe even updating your superannuation investment with\n\nChannel 1: Yeah.\n\nChannel 0: everything that\n\nChannel 1: So with the\n\nChannel 0: is\n\nChannel 1: super, it's you guys manage\n\nChannel 0: going\n\nChannel 1: it, don't you?\n\nChannel 0: on? As far as the superannuation's can\n\nChannel 1: Like\n\nChannel 0: turn, like, because of the fund you're in every sort of twelve months is a minimum. We do do, like, in your review. And to change anything in regards to that, there is well, we do generally have to go to advice. Now that Benelon fund that we did speak about previously that makes up a smaller portion of your portfolio, as a company, they are looking at going away from that. So if you're happy\n\nChannel 1: Mhmm.\n\nChannel 0: with the rest of the year investments and how they're all traveling, the rest of it is largely doing quite well apart from that Benelung investment. Obviously, it's all taken a bit of a dive with what's happened in the the war\n\nChannel 1: Yeah.\n\nChannel 0: in Ukraine. I can\n\nChannel 1: Yep.\n\nChannel 0: get them to organize just an hour away. And then what that will do is it will just be a record of advice from, yeah, you know, the investment committee there to state that they're moving you out of Benelung to what's called the a 200 as a replacement. It is an index fund, so it's removing it from an actively managed fund to an a 200 fund.\n\nChannel 1: Mhmm.\n\nChannel 0: And\n\nChannel 1: Okay.\n\nChannel 0: then with with that one there, you'll still have some active management with the the ClearBridge infrastructure fund that you do hold within that. It would just\n\nChannel 1: Mhmm.\n\nChannel 0: look at removing that. The alternative is is with that as well. I can review your your superannuation\n\nChannel 1: Yep.\n\nChannel 0: and sort of make a recommendation for an investment update as a whole, or you can just maintain the\n\nChannel 1: Yep.\n\nChannel 0: portfolio that it is still doing well apart from the bed along in terms of the returns I've gotten out of it. So it's more than fine if you were to sort of, you know, just do the the bed along replacement and they review in sort of another twelve to twenty four months time depending on how it was sort of tracking and how the investment did over that time frame. Obviously, no one's got the crystal ball in what's\n\nChannel 1: Yep.\n\nChannel 0: going to occur\n\nChannel 1: That's alright. That's\n\nChannel 0: with\n\nChannel 1: the problem.\n\nChannel 0: yeah. With the bed along for for certain, they're looking at removing that from all the\n\nChannel 1: Mhmm.\n\nChannel 0: portfolios that they currently hold. Given that you're in a balanced growth portfolio, you did do 11.25%, which is really quite high\n\nChannel 1: Yeah. Yep.\n\nChannel 0: for balanced growth. Balance growth, you're sort of looking at aiming for, like, a six to 8% return, and that's with the bet along not performing too great.\n\nChannel 1: Mhmm.\n\nChannel 0: So that is the option there is just doing that record advice to replace that bet along for you. Alternatively,\n\nChannel 1: Yep.\n\nChannel 0: I can review your superannuation investments as well. Without reviewing, obviously, I wouldn't say for certain that's still, like, in your best interest. Obviously, I can say that it is still performing well since inception even. You've done quite well for a balanced growth portfolio in regards to returns you have gotten out of it, so which is fantastic. Being that it's a little bit more defensive in the way the world has been in those few since you've been on board helps\n\nChannel 1: Yep.\n\nChannel 0: in regards to those defensive assets you do hold in the return you have gotten. And\n\nChannel 1: Mhmm.\n\nChannel 0: at the moment, you're probably sitting, I think, since the time you've been on board, it's like 8.21% in terms of, like, an annualized return after fees for the\n\nChannel 1: Yep.\n\nChannel 0: time that you've been with us, which is still quite quite\n\nChannel 1: Yep.\n\nChannel 0: nice, quite on the higher end of balance growth. And then we can just look to do the investment update and then potentially review, you know, your superannuation insurances at a later date there as well.\n\nChannel 1: Yeah. Sure. Yeah. No. I'm happy to do, yeah, to take that Benelon out if you and put it into something else.\n\nThat's fine. I'm happy with that.\n\nChannel 0: Yep. Not a problem.\n\nChannel 1: But yeah. So this this other one, but it so can it be can I manage this 20,000 myself in this investment thing? Or, like,\n\nChannel 0: To to\n\nChannel 1: can\n\nChannel 0: some\n\nChannel 1: I move shares around and that sort of thing?\n\nChannel 0: not with it being under, like, our fuse management, we can sort of give you some funds that you can sort of make some more active changes. And if there are certain things that you do want, we don't really day trade investments there. So if you were to go, like, I do wanna make this change, you know, sort of every because obviously buying and selling comes at a cost as well, and there is a risk to, you know, selling low, buying high, those sort of\n\nChannel 1: Not.\n\nChannel 0: things as well. So you can have a say in what you want. You can sort of have a bit more of a say in sort of what you wanted to potentially start off with and have it in there. And sort of each, you know, year sort of review, you can sort of look to make some changes and have a bit more of a say in what you want in your super or sort of in regards to your IDPS investment. But as far as, like, access to to buy and sell, if it's under refuse management, generally not, unless you were, like, a wholesale investor where with that, you know, you have to have a a little bit more knowledge in regards to or funds to be able to lose.\n\nSo if, you know, you had, like, $2,000,000 worth of assets, you can afford to lose 20,000. So they can sort of have a bit more access in the buying and selling and and trading as a liability issue.\n\nChannel 1: Yep.\n\nChannel 0: But in saying that you definitely can have a say in what you have, that you wouldn't sort of be able to go in and sort of make the buys themselves unless you sort of had, like, a separate investment there account that you were to do yourself.\n\nChannel 1: Oh, okay. Yeah. Alright.\n\nChannel 0: Is that something you're looking to do so more so with that is have, like, something you could sort of put buyers and sellers and trades and manage\n\nChannel 1: Yeah.\n\nChannel 0: yourself a bit more?\n\nChannel 1: Yeah. Yeah. Something just yeah. Just a dabble in and because I follow a bloke, Andrew Barnett. And he I sort of joined up to him, and he gives advice on buying and selling and all that type of thing.\n\nSo,\n\nChannel 0: Yep.\n\nChannel 1: yeah, I was\n\nChannel 0: Okay.\n\nChannel 1: just looking for something to, yeah, a little bit more freedom probably\n\nChannel 0: Yeah.\n\nChannel 1: to be\n\nChannel 0: And\n\nChannel 1: able\n\nChannel 0: then\n\nChannel 1: to move and do things myself.\n\nChannel 0: it's just there's a a lot of I'm sorry you can understand standpoint.\n\nChannel 1: Yeah.\n\nChannel 0: Like, if it can't really sort of be under Ophi's name and then sort of the liability be with you making the decisions of the buyers and\n\nChannel 1: Yeah.\n\nChannel 0: sellers and\n\nChannel 1: Yep.\n\nChannel 0: things like that. Obviously, we can do a few transaction with that advice that we sort of note. But if\n\nChannel 1: Mhmm.\n\nChannel 0: you're in there sort of buying and selling and making that, it's a bit more of a liability in the sense that, you know, we're responsible\n\nChannel 1: Yeah.\n\nChannel 0: those investments somewhat at the end of the day as well and what's going on.\n\nChannel 1: Yep.\n\nChannel 0: I can sort of see with the the team on what they sort of have in regards to just personalized investment accounts and sort of shoot you an email of different platforms\n\nChannel 1: Mhmm.\n\nChannel 0: that\n\nChannel 1: Yeah.\n\nChannel 0: they've\n\nChannel 1: Yep.\n\nChannel 0: sort of sort of ticked off as, you know, being somewhat reputable that you can sort of use. And then\n\nChannel 1: Mhmm.\n\nChannel 0: maybe just some general information on both just so you can make an informed decision.\n\nChannel 1: Yes.\n\nChannel 0: But\n\nChannel 1: Yep.\n\nChannel 0: if you wanted to do, like, a little bit more of that buying and selling your yourself that obviously, you know, the risk is is if you don't really invest in sort of day trade with money you're not willing to lose at the end of the day as well,\n\nChannel 1: That's\n\nChannel 0: that\n\nChannel 1: right.\n\nChannel 0: is\n\nChannel 1: Yeah.\n\nChannel 0: sort of thing, yeah, that you have to be mindful of. Obviously, if that's something you're aware of and wanna still partake and do that yourself, we can sort of give you certain reports and things like that if we have access to them in our research houses if you did want a little bit more information and just want to reach out in regards to certain things.\n\nChannel 1: Mhmm.\n\nChannel 0: But as far as, like, being responsible or managing the your day trading, that's not an option. So you're able to, you know, manage that yourself and have it in your your own name, if that's something you were looking to do.\n\nChannel 1: Yeah. Yep. Yeah. I wanted something with a little bit more, probably, a little bit more freedom to\n\nChannel 0: Make\n\nChannel 1: do\n\nChannel 0: the\n\nChannel 1: myself.\n\nChannel 0: decisions and changes\n\nChannel 1: Yeah.\n\nChannel 0: when you yeah. No.\n\nChannel 1: Yeah.\n\nChannel 0: Understandable. I don't know how much time I'll have today, but I'll add it to my list. Hopefully, sometime tomorrow, they'll get in touch with this sort of investment committee and sort of some platforms.\n\nChannel 1: Yep.\n\nChannel 0: They've sort of, you know, approved somewhat. Obviously, we don't typically use a lot of the individual platforms. We sort of pair them with, you know, larger platforms and where you hold your superannuation, things like that as well.\n\nChannel 1: Mhmm.\n\nChannel 0: But just\n\nChannel 1: Yep.\n\nChannel 0: to give you some information on on those so you can make a bit of a decision yourself. But in regards to your own, like, superannuation and your even insurances that you hold with us, is there any sort of changes you were looking to make with them, or you're purely just looking to get a bit more information on some individual investments and maybe an account for that?\n\nChannel 1: Yeah. So well, now you've brought up my super. I could probably see, I've only got what about it? Ten years to go, and I've only got a 100 and how much I've only got a 140, is it, in\n\nChannel 0: I\n\nChannel 1: my\n\nChannel 0: think it's\n\nChannel 1: super?\n\nChannel 0: a little bit over. Let me just bring up the account. It's $1.48 or close to $1.49.\n\nChannel 1: Yeah. So I could probably take a little bit more risk, I suppose, now I'm getting closer to that age of\n\nChannel 0: Generally,\n\nChannel 1: retiring.\n\nChannel 0: within regards to risk, you wanna sort of look at reducing the closer you do get to retirement just in case there are large sort of fluctuations and drops. I know sort of, you know, you feel like you might not have just enough there, but in saying that if you were to sort of bump it up to a growth, you know, which is closer to that sort of eighty, eighty, 20 split as opposed to, like, close to, like, you know, the 70% growth assets. There are the risks that it sorta can have, you know, associated with what is occurring at the moment, significant drops in your in your balance. Now with that, obviously, that ten year time horizon, you can sort of look to have that. That's sort of saying when you get, you know, between three and sort of five years from your retirement, you do wanna look at sort of having a little bit less risk to ensure that, you know, if there was a market dip, you have time to recover from that.\n\nAnd increased risk doesn't always mean increased\n\nChannel 1: Yeah. No. Yeah.\n\nChannel 0: returns. Given what is occurring at the moment, given you're in that sort of balanced growth, which is sort of, you know, that 60 to 70¢ growth assets, you still have, like, a nice amount of growth assets, and you've been getting a nice return with that. And a lot of the return too is coming from those defensive assets. So if you increase your risk at the moment or if you did have, like, a more of a growth portfolio, the chances are that you might have done a little less in regards to your returns, if,\n\nChannel 1: Yeah.\n\nChannel 0: like,\n\nChannel 1: Okay.\n\nChannel 0: that makes sense\n\nChannel 1: Yep.\n\nChannel 0: over\n\nChannel 1: Yep.\n\nChannel 0: a twelve month period.\n\nChannel 1: Mhmm.\n\nChannel 0: So given with the way things are sort of be remiss in sort of saying increase your exposure with the way the companies are faring versus those, like, defensive assets,\n\nChannel 1: Okay.\n\nChannel 0: Obviously, things like gold are really doing quite well. You know,\n\nChannel 1: Yeah.\n\nChannel 0: since you've been on board, it's like up one forty. That's more of a defensive asset even though it can be considered growth. You know, you've got your your bonds and things like that, which do get you a nice sort of bit of stable income in from your your portfolio as well. And,\n\nChannel 1: Mhmm.\n\nChannel 0: yes, the the other assets have done nicely in terms of, like, your S and P 500, those shares, and things like that as well.\n\nChannel 1: Yep.\n\nChannel 0: And but in saying that as well, things like Bennelong, if you're aggressively more invested as well, Benelon would have had more money allocated to it, which has gone backwards by like that, you know, 20% in the past twelve months, which should negatively\n\nChannel 1: Mhmm.\n\nChannel 0: impact growth.\n\nChannel 1: Yeah. Yep. So so\n\nChannel 0: Oh,\n\nChannel 1: your\n\nChannel 0: yeah.\n\nChannel 1: recommendation would be just a sit put for now\n\nChannel 0: Sorry.\n\nChannel 1: with\n\nChannel 0: Well,\n\nChannel 1: that?\n\nChannel 0: as far as a recommendation, like, we would have to put in advice just to review it and things like that as well. But given, like, from you what you've told me previously from the answers from your risk profile that you are a bit more of, you know, moderate investor if you sort of were to experience, you know, a lot of decrease in your super or the more fluctuations from what is occurring in the world. It may sort of negatively impact you a little bit in regards to, like, you know, the way you you view your your growth in your superannuation. Just because you increase your exposure doesn't mean you're gonna increase the the return like you're sorta hoping for as well. And given that, you know, you might hit and you might wanna sort of look at accessing some of the the funds depending on if you do end up working or not as well,\n\nChannel 1: Yep.\n\nChannel 0: then that may sort of be negative overall in terms of the impact it may have. If you sort\n\nChannel 1: Mhmm.\n\nChannel 0: of go back to work and start contributing again and still feel like I am gonna be working in that ten years, I definitely wanna increase my exposure a little bit. That's something we can definitely review for you, but not working\n\nChannel 1: Yeah.\n\nChannel 0: currently and things like that. And given that, you know, your savings are getting in into a little bit and,\n\nChannel 1: Yep.\n\nChannel 0: you know, depending on the outcomes over that time period, it might sort of, yeah, bit too many variables. So I wouldn't wanna sort of look at doing that at the moment in case things\n\nChannel 1: Mhmm.\n\nChannel 0: do\n\nChannel 1: Alright.\n\nChannel 0: change. But, you know,\n\nChannel 1: Yep.\n\nChannel 0: if you're in sort of, you know, three to six months time, if you're you're working and happy in your job and you feel like, you know, this is a career I can do for the next ten years, and I do wanna increase the exposure, and I'm aware of the risk, you know, of market downturns with everything going on. That's definitely\n\nChannel 1: Mhmm.\n\nChannel 0: something we can look at for you and\n\nChannel 1: Yep.\n\nChannel 0: and look\n\nChannel 1: Okay.\n\nChannel 0: at bumping up for\n\nChannel 1: Yep. Sure. No. That's fine. I'll just leave it as is.\n\nAnd so what about what about what's happening with this Benelon now? Are they are you taking it out of our the portfolios?\n\nChannel 0: you. So given that we're not, like, looking at reviewing anything currently in regards to, like, updating it at the moment, I'll just\n\nChannel 1: Alright.\n\nChannel 0: get the team to organize the ROA to change the Bennelong specifically at as rest\n\nChannel 1: Yeah.\n\nChannel 0: as far as the rest of the portfolio,\n\nChannel 1: Yep.\n\nChannel 0: it'll remain the same. It'll just be the percentage allocated to Bennelong will go to that a 200, which is\n\nChannel 1: Yeah.\n\nChannel 0: an Australian index. So Bennelong's in Australian equities. And\n\nChannel 1: Mhmm.\n\nChannel 0: then with that that change of Bennelong, it'll just be going to that Australian 200 index, which has obviously experienced a little bit of a downturn with what has occurred in the war, but it also\n\nChannel 1: Yes.\n\nChannel 0: sort of works out a little bit that given that Benelung did come down, and then that's going down as well. You're kinda selling low, buying maybe a tad bit higher. And then hopefully, once the a 200 starts picking up, when the the war sort of starts to level level out there, you'll get some nice consistent return growth.\n\nChannel 1: Mhmm. Yep. Cool. That that sounds fun.\n\nChannel 0: So\n\nChannel 1: Yeah.\n\nChannel 0: and is there anything else you wanna review in regards to your insurances or anything like that? You're happy with your your life and TPD cover that you currently hold?\n\nChannel 1: What what have I got there again? Sorry. What\n\nChannel 0: Two\n\nChannel 1: what\n\nChannel 0: 100\n\nChannel 1: covers?\n\nChannel 0: and 20,000 of life and total permanent disability if sort of something was to occur where you cannot work again or if something was to occur where you're no longer around?\n\nChannel 1: Mhmm. And it was what was it? A hundred and twenty?\n\nChannel 0: 02/2020.\n\nChannel 1: '2\n\nChannel 0: Sorry.\n\nChannel 1: hundred and twenty. Sorry. Yep.\n\nChannel 0: Yeah.\n\nChannel 1: Okay. Oh, no. That should be okay, I think.\n\nChannel 0: Yeah. Well, given that you don't really have any sort of debts, it's more than enough to sort of, you know, cover for maybe some ongoing living expenses. You know, if something were to happen, we're unable to sort of be able to to earn an income ever again and not working.\n\nChannel 1: Yep.\n\nChannel 0: The chances are that you'll sort of be traveling around a caravan, things like that, sort of lower as well. So you may look to, you know, either sort of moving in with family or some sort of assisted living there as well, which\n\nChannel 1: Yep.\n\nChannel 0: that could go towards being able to sort of pay for those ongoing sort of living expenses, plus any sort of government assistance programs you might be sort of eligible\n\nChannel 1: Yep.\n\nChannel 0: for as well.\n\nChannel 1: Okay. Yep. Yeah. No. I'll probably leave it as it is then for a little while.\n\nYeah.\n\nChannel 0: Yep. And\n\nChannel 1: Alright.\n\nChannel 0: did\n\nChannel 1: That's\n\nChannel 0: you want\n\nChannel 1: fine.\n\nChannel 0: sort of, like, a a six month follow-up just to sort of touch base to see how things are going, see if you do wanna review your your superannuation again, see if you're back at work or not.\n\nChannel 1: Yeah. Yep. That'll be fine, though. That'd be good.\n\nChannel 0: Perfect. As I said, I'll make a a note, and I'll ask the investment committee when I get a second there of any sort of individual platforms that they're sort of aware or happy sort of may pass some information along, sort of just as standard business practice that you can sort of have a review of and see if there's something that you might wanna do it on. If you do review those and\n\nChannel 1: Mhmm.\n\nChannel 0: feel like you do just want sort of to to manage it more so and then have just a bit of a say in what you may hold as well, then we're more than happy to review that again with you as well.\n\nChannel 1: Yep. Yep. That would be great.\n\nChannel 0: No problem at all, Joanne. But is there anything else you wanna have a chat about today while you've got me there?\n\nChannel 1: No. No. That's all good, I think. Thank you.\n\nChannel 0: No problem at all. Well, yeah, I'll get a start on that. I'll put\n\nChannel 1: Mhmm.\n\nChannel 0: you down for a six month follow-up just to to touch base and see if you do wanna review investments and maybe the wars settle down a little bit by then as well,\n\nChannel 1: Yeah.\n\nChannel 0: and we can have a bit more of a chat around that.\n\nChannel 1: Yep.\n\nChannel 0: But, otherwise, good luck with with the job hunt there. I hope you're enjoying your new place there, and we can sort\n\nChannel 1: Yeah.\n\nChannel 0: of touch\n\nChannel 1: Yep.\n\nChannel 0: base soonish.\n\nChannel 1: Yep. No. That's great. Thank you very much.\n\nChannel 0: No problem, Joanne. Thanks\n\nChannel 1: Okay.\n\nChannel 0: for your time this\n\nChannel 1: That's\n\nChannel 0: morning.\n\nChannel 1: alright. Thank you. Bye.\n\nChannel 0: Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.28,"end":1.78,"sentiment":"neutral","sentiment_score":0.019225288182497025},{"text":"Joanne speaking.","start":1.8399999,"end":2.74,"sentiment":"neutral","sentiment_score":0.03244054224342108}],"sentiment":"neutral","sentiment_score":0.028035457556446392,"channel":1,"num_words":3,"start":1.28,"end":2.74},{"sentences":[{"text":"Good morning, Joanne.","start":3.36,"end":4.16,"sentiment":"positive","sentiment_score":0.41713716586430866},{"text":"It's Carl calling from Financial.","start":4.16,"end":5.54,"sentiment":"neutral","sentiment_score":0.2486511379480362},{"text":"How are you today?","start":5.68,"end":6.5,"sentiment":"neutral","sentiment_score":0.2809895873069763}],"sentiment":"neutral","sentiment_score":0.301552128046751,"channel":0,"num_words":12,"start":3.36,"end":6.5},{"sentences":[{"text":"Yeah.","start":6.3999996,"end":6.72,"sentiment":"neutral","sentiment_score":0.2813303768634796},{"text":"Good, ma'am.","start":6.72,"end":7.12,"sentiment":"positive","sentiment_score":0.5030413120985031},{"text":"How are you doing?","start":7.12,"end":8.02,"sentiment":"positive","sentiment_score":0.39405424147844315}],"sentiment":"positive","sentiment_score":0.40908999528203693,"channel":1,"num_words":7,"start":6.3999996,"end":8.02},{"sentences":[{"text":"Yeah.","start":8.24,"end":8.639999,"sentiment":"neutral","sentiment_score":0.22811587154865265},{"text":"Not too bad at all.","start":8.639999,"end":9.36,"sentiment":"neutral","sentiment_score":0.32781500816345216},{"text":"Thanks for asking.","start":9.36,"end":10.0,"sentiment":"positive","sentiment_score":0.6642395853996277},{"text":"I just get you in for a bit of a conversation.","start":10.0,"end":11.7,"sentiment":"positive","sentiment_score":0.33825474977493286}],"sentiment":"positive","sentiment_score":0.3790355958044529,"channel":0,"num_words":20,"start":8.24,"end":11.7},{"sentences":[{"text":"Yes.","start":12.4,"end":12.9,"sentiment":"neutral","sentiment_score":0.19633886218070984},{"text":"Yes.","start":12.96,"end":13.455,"sentiment":"neutral","sentiment_score":0.23675888776779175}],"sentiment":"neutral","sentiment_score":0.2165488749742508,"channel":1,"num_words":2,"start":12.4,"end":13.455},{"sentences":[{"text":"Perfect.","start":14.24,"end":14.719999,"sentiment":"positive","sentiment_score":0.4486866891384125},{"text":"Just to jump into that one.","start":14.719999,"end":16.535,"sentiment":"neutral","sentiment_score":0.24726591010888418},{"text":"Can I just pass you through security first there, John, which is","start":16.535,"end":18.775,"sentiment":"neutral","sentiment_score":0.07621959627916415}],"sentiment":"neutral","sentiment_score":0.14983775290219406,"channel":0,"num_words":19,"start":14.24,"end":18.775},{"sentences":[{"text":"Yes.","start":18.654999,"end":18.814999,"sentiment":"neutral","sentiment_score":0.06545666605234146}],"sentiment":"neutral","sentiment_score":0.06545666605234146,"channel":1,"num_words":1,"start":18.654999,"end":18.814999},{"sentences":[{"text":"that","start":18.775,"end":18.935,"sentiment":"neutral","sentiment_score":0.08448847383260727}],"sentiment":"neutral","sentiment_score":0.08448847383260727,"channel":0,"num_words":1,"start":18.775,"end":18.935},{"sentences":[{"text":"Certainly.","start":18.814999,"end":19.314999,"sentiment":"neutral","sentiment_score":0.07008960843086243}],"sentiment":"neutral","sentiment_score":0.07008960843086243,"channel":1,"num_words":1,"start":18.814999,"end":19.314999},{"sentences":[{"text":"3.2 yeah?","start":18.935,"end":20.135,"sentiment":"neutral","sentiment_score":0.029366251081228256},{"text":"Right.","start":20.135,"end":20.375,"sentiment":"neutral","sentiment_score":0.0342121496796608},{"text":"Just that name, date of birth, and current address, please?","start":20.375,"end":22.635,"sentiment":"neutral","sentiment_score":0.032105182856321336}],"sentiment":"neutral","sentiment_score":0.03184588310810236,"channel":0,"num_words":13,"start":18.935,"end":22.635},{"sentences":[{"text":"So Joanne Yates, 11/04/1969, and I'm currently in the caravan park at 28 Black Street, Volby.","start":23.615,"end":30.93,"sentiment":"neutral","sentiment_score":0.027470857836306095}],"sentiment":"neutral","sentiment_score":0.027470857836306095,"channel":1,"num_words":16,"start":23.615,"end":30.93},{"sentences":[{"text":"Not a problem.","start":34.07,"end":34.81,"sentiment":"neutral","sentiment_score":0.10951307912667592},{"text":"Purchase.","start":34.95,"end":35.43,"sentiment":"neutral","sentiment_score":0.05185747891664505},{"text":"And is that your new permanent residence there?","start":35.43,"end":37.85,"sentiment":"neutral","sentiment_score":0.029670902178622782}],"sentiment":"neutral","sentiment_score":0.05148032781047126,"channel":0,"num_words":12,"start":34.07,"end":37.85},{"sentences":[{"text":"Yes.","start":38.03,"end":38.35,"sentiment":"neutral","sentiment_score":0.05655274540185928},{"text":"Yes.","start":38.35,"end":38.685,"sentiment":"neutral","sentiment_score":0.0647154301404953}],"sentiment":"neutral","sentiment_score":0.06063408777117729,"channel":1,"num_words":2,"start":38.03,"end":38.685},{"sentences":[{"text":"I think I just update that one.","start":39.045,"end":53.57,"sentiment":"neutral","sentiment_score":0.06719260130609785},{"text":"I believe you spoke with my colleague yesterday.","start":54.03,"end":56.11,"sentiment":"neutral","sentiment_score":0.045320119708776474},{"text":"I was just doing it in the the workbook today.","start":56.11,"end":59.09,"sentiment":"neutral","sentiment_score":0.04139868915081024}],"sentiment":"neutral","sentiment_score":0.04987584233283997,"channel":0,"num_words":25,"start":39.045,"end":59.09},{"sentences":[{"text":"Alright.","start":59.34,"end":59.66,"sentiment":"neutral","sentiment_score":0.09447457641363144},{"text":"I yeah.","start":59.66,"end":59.98,"sentiment":"neutral","sentiment_score":0.1380607672035694}],"sentiment":"neutral","sentiment_score":0.12353203694025676,"channel":1,"num_words":3,"start":59.34,"end":59.98},{"sentences":[{"text":"Perfect.","start":59.949997,"end":60.449997,"sentiment":"neutral","sentiment_score":0.26667875051498413}],"sentiment":"neutral","sentiment_score":0.26667875051498413,"channel":0,"num_words":1,"start":59.949997,"end":60.449997},{"sentences":[{"text":"Yeah.","start":59.98,"end":60.14,"sentiment":"neutral","sentiment_score":0.144396111369133},{"text":"She's supposed to have updated the door for me.","start":60.14,"end":62.4,"sentiment":"neutral","sentiment_score":0.08833371599515279}],"sentiment":"neutral","sentiment_score":0.09393995553255081,"channel":1,"num_words":10,"start":59.98,"end":62.4},{"sentences":[{"text":"Yeah.","start":63.149998,"end":63.55,"sentiment":"neutral","sentiment_score":0.0235135555267334}],"sentiment":"neutral","sentiment_score":0.0235135555267334,"channel":0,"num_words":1,"start":63.149998,"end":63.55},{"sentences":[{"text":"Alright.","start":63.285,"end":63.785,"sentiment":"neutral","sentiment_score":0.021726107224822044}],"sentiment":"neutral","sentiment_score":0.021726107224822044,"channel":1,"num_words":1,"start":63.285,"end":63.785},{"sentences":[{"text":"The workbooks are separate to, like, your superannuation and things like that.","start":63.55,"end":67.725,"sentiment":"neutral","sentiment_score":-0.011639698951815566},{"text":"The workbooks only really the advisers sort of jump into","start":67.725,"end":70.205,"sentiment":"neutral","sentiment_score":-0.03857859801501036}],"sentiment":"neutral","sentiment_score":-0.02388465307144956,"channel":0,"num_words":22,"start":63.55,"end":70.205},{"sentences":[{"text":"Yeah.","start":70.1775,"end":70.6775,"sentiment":"neutral","sentiment_score":-0.048191435635089874}],"sentiment":"neutral","sentiment_score":-0.048191435635089874,"channel":1,"num_words":1,"start":70.1775,"end":70.6775},{"sentences":[{"text":"unless the the team is updating, like, some other things as well.","start":70.205,"end":73.745,"sentiment":"neutral","sentiment_score":-0.075229168869555},{"text":"But I know from when we spoke last year, Joanne, you were potentially thinking of, obviously, you know, buying the investment property, potentially moving closer to the family.","start":75.325,"end":84.22,"sentiment":"neutral","sentiment_score":-0.041878911932664256},{"text":"Is that where like, moving out to Dolby, is that closer to the 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not.","start":1671.13,"end":1681.115,"sentiment":"neutral","sentiment_score":0.070839047542234}],"sentiment":"neutral","sentiment_score":0.070839047542234,"channel":0,"num_words":38,"start":1671.13,"end":1681.115},{"sentences":[{"text":"Yeah.","start":1681.01,"end":1681.25,"sentiment":"neutral","sentiment_score":0.12323607504367828},{"text":"Yep.","start":1681.25,"end":1681.5701,"sentiment":"neutral","sentiment_score":0.15412074327468872},{"text":"That'll be fine, though.","start":1681.5701,"end":1682.61,"sentiment":"neutral","sentiment_score":0.3070984110236168},{"text":"That'd be good.","start":1682.61,"end":1683.43,"sentiment":"positive","sentiment_score":0.5477352142333984}],"sentiment":"positive","sentiment_score":0.3498840116792255,"channel":1,"num_words":9,"start":1681.01,"end":1683.43},{"sentences":[{"text":"Perfect.","start":1684.135,"end":1684.635,"sentiment":"positive","sentiment_score":0.5708075761795044},{"text":"As I said, I'll make a a note, and I'll ask the investment committee when I get a second there of any sort of individual platforms that they're sort of aware or happy sort of may pass some information along, sort of just as standard business practice that you can sort of have a review of and see if there's something that you might wanna do it on.","start":1685.015,"end":1701.44,"sentiment":"neutral","sentiment_score":0.20700599187437227},{"text":"If you do review those and","start":1701.44,"end":1702.6399,"sentiment":"neutral","sentiment_score":0.11078390168646972}],"sentiment":"neutral","sentiment_score":0.20415891245007514,"channel":0,"num_words":75,"start":1684.135,"end":1702.6399},{"sentences":[{"text":"Mhmm.","start":1702.62,"end":1703.12,"sentiment":"neutral","sentiment_score":0.0015790496254339814}],"sentiment":"neutral","sentiment_score":0.0015790496254339814,"channel":1,"num_words":1,"start":1702.62,"end":1703.12},{"sentences":[{"text":"feel like you do just want sort of to to manage it more so and then have just a bit of a say in what you may hold as well, then we're more than happy to review that again with you as well.","start":1702.6399,"end":1713.1951,"sentiment":"neutral","sentiment_score":0.21477439237195392}],"sentiment":"neutral","sentiment_score":0.21477439237195392,"channel":0,"num_words":43,"start":1702.6399,"end":1713.1951},{"sentences":[{"text":"Yep.","start":1713.26,"end":1713.58,"sentiment":"neutral","sentiment_score":0.24790522456169128},{"text":"Yep.","start":1713.58,"end":1713.9,"sentiment":"positive","sentiment_score":0.3510178327560425},{"text":"That would be great.","start":1713.9,"end":1714.635,"sentiment":"positive","sentiment_score":0.751569926738739}],"sentiment":"positive","sentiment_score":0.6008671273787817,"channel":1,"num_words":6,"start":1713.26,"end":1714.635},{"sentences":[{"text":"No problem at all, Joanne.","start":1716.055,"end":1717.655,"sentiment":"positive","sentiment_score":0.48347447514534},{"text":"But is there anything else you wanna have a chat about today while you've got me there?","start":1717.655,"end":1720.875,"sentiment":"neutral","sentiment_score":0.20145038734464085}],"sentiment":"neutral","sentiment_score":0.26554677093570883,"channel":0,"num_words":22,"start":1716.055,"end":1720.875},{"sentences":[{"text":"No.","start":1720.795,"end":1721.035,"sentiment":"neutral","sentiment_score":-0.08822924643754959},{"text":"No.","start":1721.035,"end":1721.275,"sentiment":"neutral","sentiment_score":-0.05854355543851853},{"text":"That's all good, I think.","start":1721.275,"end":1722.395,"sentiment":"neutral","sentiment_score":0.24389204978942872},{"text":"Thank you.","start":1722.395,"end":1723.055,"sentiment":"positive","sentiment_score":0.5636625289916992}],"sentiment":"neutral","sentiment_score":0.24444583389494154,"channel":1,"num_words":9,"start":1720.795,"end":1723.055},{"sentences":[{"text":"No problem at all.","start":1723.655,"end":1724.61,"sentiment":"neutral","sentiment_score":0.2704615443944931},{"text":"Well, yeah, I'll get a start on that.","start":1725.17,"end":1726.77,"sentiment":"neutral","sentiment_score":0.19034144282341003},{"text":"I'll put","start":1726.77,"end":1727.09,"sentiment":"neutral","sentiment_score":0.11621406301856041}],"sentiment":"neutral","sentiment_score":0.20264327472874097,"channel":0,"num_words":14,"start":1723.655,"end":1727.09},{"sentences":[{"text":"Mhmm.","start":1727.035,"end":1727.49,"sentiment":"neutral","sentiment_score":0.0468069463968277}],"sentiment":"neutral","sentiment_score":0.0468069463968277,"channel":1,"num_words":1,"start":1727.035,"end":1727.49},{"sentences":[{"text":"you down for a six month follow-up just to to touch base and see if you do wanna review investments and maybe the wars settle down a little bit by then as well,","start":1727.09,"end":1734.07,"sentiment":"neutral","sentiment_score":0.0587078488685868}],"sentiment":"neutral","sentiment_score":0.0587078488685868,"channel":0,"num_words":33,"start":1727.09,"end":1734.07},{"sentences":[{"text":"Yeah.","start":1734.05,"end":1734.55,"sentiment":"neutral","sentiment_score":0.08478103578090668}],"sentiment":"neutral","sentiment_score":0.08478103578090668,"channel":1,"num_words":1,"start":1734.05,"end":1734.55},{"sentences":[{"text":"and we can have a bit more of a chat around that.","start":1734.45,"end":1736.77,"sentiment":"neutral","sentiment_score":0.12661825430889925}],"sentiment":"neutral","sentiment_score":0.12661825430889925,"channel":0,"num_words":12,"start":1734.45,"end":1736.77},{"sentences":[{"text":"Yep.","start":1736.77,"end":1737.27,"sentiment":"neutral","sentiment_score":0.1302240490913391}],"sentiment":"neutral","sentiment_score":0.1302240490913391,"channel":1,"num_words":1,"start":1736.77,"end":1737.27},{"sentences":[{"text":"But, otherwise, good luck with with the job hunt there.","start":1736.77,"end":1740.065,"sentiment":"positive","sentiment_score":0.48815820962190626},{"text":"I hope you're enjoying your new place there, and we can sort","start":1740.065,"end":1743.345,"sentiment":"positive","sentiment_score":0.5793141052126884}],"sentiment":"positive","sentiment_score":0.5378796072168783,"channel":0,"num_words":22,"start":1736.77,"end":1743.345},{"sentences":[{"text":"Yeah.","start":1743.325,"end":1743.645,"sentiment":"neutral","sentiment_score":0.10833717882633208}],"sentiment":"neutral","sentiment_score":0.10833717882633208,"channel":1,"num_words":1,"start":1743.325,"end":1743.645},{"sentences":[{"text":"of touch","start":1743.345,"end":1743.6649,"sentiment":"neutral","sentiment_score":0.14250542782247066}],"sentiment":"neutral","sentiment_score":0.14250542782247066,"channel":0,"num_words":2,"start":1743.345,"end":1743.6649},{"sentences":[{"text":"Yep.","start":1743.645,"end":1744.145,"sentiment":"neutral","sentiment_score":0.08678518235683441}],"sentiment":"neutral","sentiment_score":0.08678518235683441,"channel":1,"num_words":1,"start":1743.645,"end":1744.145},{"sentences":[{"text":"base soonish.","start":1743.6649,"end":1744.325,"sentiment":"neutral","sentiment_score":0.15285653620958328}],"sentiment":"neutral","sentiment_score":0.15285653620958328,"channel":0,"num_words":2,"start":1743.6649,"end":1744.325},{"sentences":[{"text":"Yep.","start":1744.2849,"end":1744.7849,"sentiment":"neutral","sentiment_score":0.09467097371816637},{"text":"No.","start":1744.9249,"end":1745.245,"sentiment":"neutral","sentiment_score":0.13627707958221436},{"text":"That's great.","start":1745.245,"end":1745.8049,"sentiment":"positive","sentiment_score":0.6525519490242004},{"text":"Thank you very much.","start":1745.8049,"end":1746.865,"sentiment":"positive","sentiment_score":0.7920955568552017}],"sentiment":"positive","sentiment_score":0.5880542723461986,"channel":1,"num_words":8,"start":1744.2849,"end":1746.865},{"sentences":[{"text":"No problem, Joanne.","start":1747.1849,"end":1747.985,"sentiment":"positive","sentiment_score":0.3606491486231486},{"text":"Thanks","start":1747.985,"end":1748.225,"sentiment":"positive","sentiment_score":0.5218551158905029}],"sentiment":"positive","sentiment_score":0.4009506404399872,"channel":0,"num_words":4,"start":1747.1849,"end":1748.225},{"sentences":[{"text":"Okay.","start":1748.205,"end":1748.705,"sentiment":"positive","sentiment_score":0.5013614892959595}],"sentiment":"positive","sentiment_score":0.5013614892959595,"channel":1,"num_words":1,"start":1748.205,"end":1748.705},{"sentences":[{"text":"for your time this","start":1748.225,"end":1748.945,"sentiment":"positive","sentiment_score":0.61142498254776}],"sentiment":"positive","sentiment_score":0.61142498254776,"channel":0,"num_words":4,"start":1748.225,"end":1748.945},{"sentences":[{"text":"That's","start":1748.845,"end":1749.1649,"sentiment":"positive","sentiment_score":0.40287530422210693}],"sentiment":"positive","sentiment_score":0.40287530422210693,"channel":1,"num_words":1,"start":1748.845,"end":1749.1649},{"sentences":[{"text":"morning.","start":1748.945,"end":1749.445,"sentiment":"positive","sentiment_score":0.4228359758853912}],"sentiment":"positive","sentiment_score":0.4228359758853912,"channel":0,"num_words":1,"start":1748.945,"end":1749.445},{"sentences":[{"text":"alright.","start":1749.1649,"end":1749.565,"sentiment":"neutral","sentiment_score":0.2857932448387146},{"text":"Thank you.","start":1749.565,"end":1750.285,"sentiment":"positive","sentiment_score":0.6236723959445953},{"text":"Bye.","start":1750.285,"end":1750.785,"sentiment":"positive","sentiment_score":0.347892701625824}],"sentiment":"positive","sentiment_score":0.4702576845884323,"channel":1,"num_words":4,"start":1749.1649,"end":1750.785},{"sentences":[{"text":"Bye.","start":1750.705,"end":1751.205,"sentiment":"neutral","sentiment_score":-0.09606768935918808}],"sentiment":"neutral","sentiment_score":-0.09606768935918808,"channel":0,"num_words":1,"start":1750.705,"end":1751.205}]},"summary":{"result":"success","short":"A financial representative named Carl discusses potential risks of investing in Joanne's investment property with her. They mention the possibility of losing money in the market and the potential risks of investing while working. The speaker suggests contributing to the superann junior fund and emphasizes the importance of managing the portfolio for a certain amount of time. They also discuss risk management and reducing risk for stable income in retirement. The agent suggests revisiting the risk profile and adjusting the allocation of assets, and plans to make a note on Joanne's insurance coverage and discuss potential investments and changes to her retirement savings."},"intents":{"segments":[{"text":"Can I just pass you through security first there, John, which is Yes.","start_word":51,"end_word":63,"intents":[{"intent":"Update security information","confidence_score":0.0060465806}]},{"text":"Just that name, date of birth, and current address, please? So Joanne Yates, 11/04/1969, and I'm currently in the caravan park at 28 Black Street, Volby. Not a problem.","start_word":69,"end_word":97,"intents":[{"intent":"Update address","confidence_score":0.089008346}]},{"text":"So Joanne Yates, 11/04/1969, and I'm currently in the caravan park at 28 Black Street, Volby. Not a problem.","start_word":79,"end_word":97,"intents":[{"intent":"Verify job location","confidence_score":0.0021629834}]},{"text":"And is that your new permanent residence there?","start_word":99,"end_word":106,"intents":[{"intent":"Clarify current residence","confidence_score":0.00015501546}]},{"text":"I think I just update that one. I believe you spoke with my colleague yesterday. I was just doing it in the the workbook today. Alright. I yeah.","start_word":109,"end_word":136,"intents":[{"intent":"Update workbook","confidence_score":0.25533086}]},{"text":"But I know from when we spoke last year, Joanne, you were potentially thinking of, obviously, you know, buying the investment property, potentially moving closer to the family. Is that where like, moving out to Dolby, is that closer to the family? Is that where you ended up? Yeah.","start_word":185,"end_word":233,"intents":[{"intent":"Search for dolby job","confidence_score":0.00002867758}]},{"text":"And do you a still have your PO box job. in?","start_word":321,"end_word":331,"intents":[{"intent":"Find yep job","confidence_score":0.15462798}]},{"text":"And I know you mentioned to my colleague there that given that you're sort of just in between jobs and you're not currently able to to borrow that you want to potentially invest some money at the moment? That's right.","start_word":400,"end_word":439,"intents":[{"intent":"Discuss personal preferences","confidence_score":0.0000347561}]},{"text":"I'm just mindful in the sense that if you were looking at a property and, you know, say, like, you know, you've got your 120 and $20,000 in the investment that you may need to liquidate that investment to be able to purchase, like, a property in the future that you do wanna do. And Oh, then that Okay.","start_word":726,"end_word":784,"intents":[{"intent":"Analyze investment options","confidence_score":0.010096571}]},{"text":"Maybe not into, like, a a lump sum type deal, but, like, just in regards to because, obviously, investments outside of super are much like investments inside super in terms of, like, you know, what you do hold. Like, you can hold, like, direct shares, exchange traded funds, things like that as well.","start_word":1233,"end_word":1285,"intents":[{"intent":"Explore investment options","confidence_score":0.00089028885}]},{"text":"for the money invested. Obviously, the bit of a downside is is you do lock it away at least until the age of 60, Yeah.","start_word":1446,"end_word":1470,"intents":[{"intent":"Discussing money investment","confidence_score":0.00005469548},{"intent":"Discussing budgeting","confidence_score":0.00032639055}]},{"text":"which given, you know, you're saying that, obviously, you know, longer term, you are looking at having it sort of put away for investment to grow as opposed to having it outside of it, you know, all the income that is earned off that investment, whether it's sort of dividends paid and things like that can form part of your individual tax return.","start_word":1471,"end_word":1533,"intents":[{"intent":"Discussing strategies for growth","confidence_score":0.0007215307}]},{"text":"which given, you know, you're saying that, obviously, you know, longer term, you are looking at having it sort of put away for investment to grow as opposed to having it outside of it, you know, all the income that is earned off that investment, whether it's sort of dividends paid and things like that can form part of your individual tax return. Okay.","start_word":1471,"end_word":1534,"intents":[{"intent":"Discussing investment strategies","confidence_score":0.001516174}]},{"text":"Okay.","start_word":1534,"end_word":1534,"intents":[{"intent":"Explaining potential investment options","confidence_score":0.00009292292}]},{"text":"And given that, you know, you're only that sort of three and a half to four years sort of from the age of 16 being able to draw down it, that's sort of like a minimum time frame for, like, a balanced balanced sort of growth investment anyway to get Yep.","start_word":1639,"end_word":1689,"intents":[{"intent":"Comparing investment duration","confidence_score":0.0012242277}]},{"text":"So with that, you know, that is an alternative option just to add some more money into to superannuation and get that growing to your Yeah.","start_word":1716,"end_word":1741,"intents":[{"intent":"Discussing future investment options","confidence_score":0.004348733}]},{"text":"and goals as well as opposed to, yeah, the individual investment. Right.","start_word":1745,"end_word":1756,"intents":[{"intent":"Clarifying investment goals","confidence_score":0.00026424968}]},{"text":"But if you do wanna just have it like in an IDPS account that is separate to your superannuation, it can be in a different risk profile there as well. And then you can sort of just, Yep. yeah, monitor it and maybe make a few more different changes as opposed to superannuation. Yes.","start_word":1833,"end_word":1886,"intents":[{"intent":"Evaluate superannuation options","confidence_score":0.021951556}]},{"text":"We do do, like, in your review. And to change anything in regards to that, there is well, we do generally have to go to advice.","start_word":2452,"end_word":2477,"intents":[{"intent":"Review investment updates","confidence_score":0.009773509},{"intent":"Review investment recommendation","confidence_score":0.001222832},{"intent":"Review investment impact","confidence_score":0.0009106485}]},{"text":"Now that Benelon fund that we did speak about previously that makes up a smaller portion of your portfolio, as a company, they are looking at going away from that.","start_word":2477,"end_word":2506,"intents":[{"intent":"Change investment portfolio","confidence_score":0.0068575135}]},{"text":"with the rest of the year investments and how they're all traveling, the rest of it is largely doing quite well apart from that Benelung investment.","start_word":2512,"end_word":2537,"intents":[{"intent":"Discuss investments","confidence_score":0.003049669},{"intent":"Evaluate investment effectiveness","confidence_score":0.0005853498}]},{"text":"Obviously, it's all taken a bit of a dive with what's happened in the the war Yeah. in Ukraine.","start_word":2538,"end_word":2556,"intents":[{"intent":"Discuss war in ukraine","confidence_score":0.004790442}]},{"text":"And then what that will do is it will just be a record of advice from, yeah, you know, the investment committee there to state that they're moving you out of Benelung to what's called the a 200 as a replacement. It is an index fund, so it's removing it from an actively managed fund to an a 200 fund.","start_word":2568,"end_word":2627,"intents":[{"intent":"Request replacement fund","confidence_score":0.00001603138}]},{"text":"I can review your your superannuation Yep. and sort of make a recommendation for an investment update as a whole, or you can just maintain the Yep. portfolio that it is still doing well apart from the bed along in terms of the returns I've gotten out of it.","start_word":2671,"end_word":2719,"intents":[{"intent":"Review superannuation portfolio","confidence_score":0.042407982}]},{"text":"Given that you're in a balanced growth portfolio, you did do 11.25%, which is really quite high Yeah.","start_word":2812,"end_word":2829,"intents":[{"intent":"Analyze portfolio performance","confidence_score":0.03242738}]},{"text":"And if there are certain things that you do want, we don't really day trade investments there. So if you were to go, like, I do wanna make this change, you know, sort of every because obviously buying and selling comes at a cost as well, and there is a risk to, you know, selling low, buying high, those sort of Not.","start_word":3157,"end_word":3218,"intents":[{"intent":"Make investment changes","confidence_score":0.06290711}]},{"text":"you're in there sort of buying and selling and making that, it's a bit more of a liability in the sense that, you know, we're responsible Yeah.","start_word":3612,"end_word":3638,"intents":[{"intent":"Affirm responsibility for decision making","confidence_score":0.0000038141459}]},{"text":"I can sort of see with the the team on what they sort of have in regards to just personalized investment accounts and sort of shoot you an email of different platforms Mhmm. that Yeah.","start_word":3655,"end_word":3689,"intents":[{"intent":"Discuss personal portfolio and liability","confidence_score":0.000022812517},{"intent":"Obtain information on personal investment accounts","confidence_score":0.0004928372},{"intent":"Suggest personal portfolio management","confidence_score":0.00022477566}]},{"text":"I wanted something with a little bit more, probably, a little bit more freedom to Make do the myself. decisions and changes Yeah. when you yeah. No. Yeah. Understandable. I don't know how much time I'll have today, but I'll add it to my list. Hopefully, sometime tomorrow, they'll get in touch with this sort of investment committee and sort of some platforms.","start_word":3901,"end_word":3963,"intents":[{"intent":"Discuss investment priorities","confidence_score":0.000054335902}]},{"text":"I don't know how much time I'll have today, but I'll add it to my list.","start_word":3929,"end_word":3944,"intents":[{"intent":"Add to list","confidence_score":0.27050835}]},{"text":"to give you some information on on those so you can make a bit of a decision yourself. But in regards to your own, like, superannuation and your even insurances that you hold with us, is there any sort of changes you were looking to make with them, or you're purely just looking to get a bit more information on some individual investments and maybe an account for that? Yeah.","start_word":4007,"end_word":4076,"intents":[{"intent":"Share information","confidence_score":0.008565755}]},{"text":"So I could probably take a little bit more risk, I suppose, now I'm getting closer to that age of Generally, retiring. within regards to risk, you wanna sort of look at reducing the closer you do get to retirement just in case there are large sort of fluctuations and drops.","start_word":4139,"end_word":4189,"intents":[{"intent":"Consider retirement options","confidence_score":0.011370159}]},{"text":"I know sort of, you know, you feel like you might not have just enough there, but in saying that if you were to sort of bump it up to a growth, you know, which is closer to that sort of eighty, eighty, 20 split as opposed to, like, close to, like, you know, the 70% growth assets.","start_word":4190,"end_word":4247,"intents":[{"intent":"Consider growth potential","confidence_score":0.000077322686}]},{"text":"There are the risks that it sorta can have, you know, associated with what is occurring at the moment, significant drops in your in your balance.","start_word":4249,"end_word":4274,"intents":[{"intent":"Discussing risks","confidence_score":0.0019540314},{"intent":"Expressing understanding of potential risks","confidence_score":0.000097974495}]},{"text":"And increased risk doesn't always mean increased Yeah.","start_word":4341,"end_word":4348,"intents":[{"intent":"Suggesting appreciation of risk","confidence_score":3.493176e-7}]},{"text":"Given what is occurring at the moment, given you're in that sort of balanced growth, which is sort of, you know, that 60 to 70<unk> growth assets, you still have, like, a nice amount of growth assets, and you've been getting a nice return with that. And a lot of the return too is coming from those defensive assets.","start_word":4352,"end_word":4410,"intents":[{"intent":"Highlighting potential return on investment","confidence_score":0.0006026938},{"intent":"Discussing positive return on investments","confidence_score":0.000042680327}]},{"text":"So if you increase your risk at the moment or if you did have, like, a more of a growth portfolio, the chances are that you might have done a little less in regards to your returns, if, Yeah.","start_word":4411,"end_word":4449,"intents":[{"intent":"Considering potential investments","confidence_score":0.0006942972}]},{"text":"So given with the way things are sort of be remiss in sort of saying increase your exposure with the way the companies are faring versus those, like, defensive assets, Okay.","start_word":4463,"end_word":4493,"intents":[{"intent":"Assessing performance of investments","confidence_score":0.00002948358},{"intent":"Appreciating feedback on investments","confidence_score":0.00010640812}]},{"text":"as far as a recommendation, like, we would have to put in advice just to review it and things like that as well.","start_word":4654,"end_word":4676,"intents":[{"intent":"Recommend more investment","confidence_score":0.00017775832},{"intent":"Guide review","confidence_score":0.000382162}]},{"text":"But given, like, from you what you've told me previously from the answers from your risk profile that you are a bit more of, you know, moderate investor if you sort of were to experience, you know, a lot of decrease in your super or the more fluctuations from what is occurring in the world.","start_word":4677,"end_word":4731,"intents":[{"intent":"Discuss benefits","confidence_score":0.004340095}]},{"text":"It may sort of negatively impact you a little bit in regards to, like, you know, the way you you view your your growth in your superannuation.","start_word":4732,"end_word":4758,"intents":[{"intent":"Discuss impact","confidence_score":0.053261157}]},{"text":"And given that, you know, your savings are getting in into a little bit and, Yep. you know, depending on the outcomes over that time period, it might sort of, yeah, bit too many variables.","start_word":4883,"end_word":4917,"intents":[{"intent":"Discuss savings","confidence_score":0.057331387}]},{"text":"So given that we're not, like, looking at reviewing anything currently in regards to, like, updating it at the moment, I'll just Alright. get the team to organize the ROA to change the Bennelong specifically at as rest Yeah.","start_word":5057,"end_word":5095,"intents":[{"intent":"Update portfolios and rolon","confidence_score":0.004615064}]},{"text":"and is there anything else you wanna review in regards to your insurances or anything like that?","start_word":5242,"end_word":5258,"intents":[{"intent":"Review insurance coverage","confidence_score":0.728972}]},{"text":"Well, given that you don't really have any sort of debts, it's more than enough to sort of, you know, cover for maybe some ongoing living expenses. You know, if something were to happen, we're unable to sort of be able to to earn an income ever again and not working. Yep.","start_word":5346,"end_word":5397,"intents":[{"intent":"Reporting financial situation","confidence_score":0.0000022137763}]},{"text":"The chances are that you'll sort of be traveling around a caravan, things like that, sort of lower as well. So you may look to, you know, either sort of moving in with family or some sort of assisted living there as well, which Yep. that could go towards being able to sort of pay for those ongoing sort of living expenses, plus any sort of government assistance programs you might be sort of eligible Yep. for as well.","start_word":5398,"end_word":5476,"intents":[{"intent":"Expressing concern about future options","confidence_score":0.000048125225}]},{"text":"I'll probably leave it as it is then for a little while. Yeah.","start_word":5481,"end_word":5493,"intents":[{"intent":"Expressing intent to leave","confidence_score":0.01078526}]},{"text":"As I said, I'll make a a note, and I'll ask the investment committee when I get a second there of any sort of individual platforms that they're sort of aware or happy sort of may pass some information along, sort of just as standard business practice that you can sort of have a review of and see if there's something that you might wanna do it on. If you do review those and Mhmm.","start_word":5550,"end_word":5624,"intents":[{"intent":"Stateing intention to review","confidence_score":0.00039442585},{"intent":"Asking about individual platforms","confidence_score":0.0064932266},{"intent":"Stateing intention to review","confidence_score":0.00023204951}]}]},"sentiments":{"segments":[{"text":"Hello? Joanne speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.02803545817732811},{"text":"Good morning, Joanne.","start_word":3,"end_word":5,"sentiment":"positive","sentiment_score":0.426796019077301},{"text":"It's Carl calling from Financial. How are you today? Yeah.","start_word":6,"end_word":15,"sentiment":"neutral","sentiment_score":0.2754349410533905},{"text":"Good, ma'am. How are you doing?","start_word":16,"end_word":21,"sentiment":"positive","sentiment_score":0.4450530707836151},{"text":"Yeah.","start_word":22,"end_word":22,"sentiment":"neutral","sentiment_score":0.22811587154865265},{"text":"Not too bad at all. Thanks for asking. I just get you in for a bit of a conversation.","start_word":23,"end_word":41,"sentiment":"positive","sentiment_score":0.39530786871910095},{"text":"Yes. Yes.","start_word":42,"end_word":43,"sentiment":"neutral","sentiment_score":0.2165488749742508},{"text":"Perfect.","start_word":44,"end_word":44,"sentiment":"positive","sentiment_score":0.4486866891384125},{"text":"Just to jump into that one. Can I just pass you through security first there, John, which is Yes. that Certainly. 3.2 yeah? Right. Just that name, date of birth, and current address, please? So Joanne Yates, 11/04/1969, and I'm currently in the caravan park at 28 Black Street, Volby. Not a problem. Purchase. And is that your new permanent residence there? Yes. Yes. I think I just update that one. I believe you spoke with my colleague yesterday. I was just doing it in the the workbook today. Alright. I yeah. Perfect. Yeah. She's supposed to have updated the door for me. Yeah. Alright. The workbooks are separate to, like, your superannuation and things like that. The workbooks only really the advisers sort of jump into Yeah. unless the the team is updating, like, some other things as well. But I know from when we spoke last year, Joanne, you were potentially thinking of, obviously, you know, buying the investment property, potentially moving closer to the family. Is that where like, moving out to Dolby, is that closer to the family? Is that where you ended up? Yeah. Yeah. That's where I am now, but, yeah, I've had to let go of the investment property for now. Just haven't got a job as yet while I'm here. Yep. So they won't lend me any money until I get a job. But, yeah, I'm I'm I'm out here at Dolby now. I've been here about a month. So just sort of, yeah, find my way around. I'm a lot closer to my daughter and my grandson, which is good. And, yeah, just trying to find Yep. And do you a still have your PO box job. in? No. I've got one here Yep. in Dolby now. And which would you like the PO box to be your mailing address? Yes, please. Yeah. Yep. Yeah. Okay. Okay.","start_word":45,"end_word":360,"sentiment":"neutral","sentiment_score":0.01995428195341101},{"text":"Perfect.","start_word":361,"end_word":361,"sentiment":"positive","sentiment_score":0.5560170412063599},{"text":"I'll just make sure that that's the address that's updated for your mailing purposes there as well Yes. It'll and be not P just 0 oh, you. the I think it's P 0 Box 203, Dolby now.","start_word":362,"end_word":398,"sentiment":"neutral","sentiment_score":0.15703994035720825},{"text":"Perfect.","start_word":399,"end_word":399,"sentiment":"positive","sentiment_score":0.5119256377220154},{"text":"And I know you mentioned to my colleague there that given that you're sort of just in between jobs and you're not currently able to to borrow that you want to potentially invest some money at the moment? That's right. Yeah. Yep. And is that, like, purely, like, a a short term thing? Is that something that you plan on holding even if you were to get a property? Is that something you potentially wanna sort of liquidate once you were to get a property? What was what do you mean? Sorry. So What were you looking as it because I know you said you approximately wanna put, like, $20,000 into, like, an oh, investment account. yes. Yeah. Yes. Yep. Yeah. If I you just wanna start dabbling yep. in investing, Yep. you know, and getting into the investing area. And I was just gonna start out small just in case Yep. because I don't you don't know where this world's gonna end up shortly. So Yeah. Not and what a the 100 stock markets are gonna do. percent. Given, yeah, everything that is going on. Given that you do potentially still wanna purchase a property with the I know you have quite significant savings from the sale of the house. Now with that 20,000 going into an investment, do you feel like you'd still have an adequate deposit given, like, a job that you might sort of get following that, that you wouldn't have to touch that money that you put into an investment? So now what I've got left I think I've only got about a 100 and 140 left now. But, yeah, I was sort of just hoping to I don't know what I'm looking for.","start_word":400,"end_word":688,"sentiment":"neutral","sentiment_score":-0.011516377329826357},{"text":"Just just to dabble at present and because I'm interested in it and making some money that way.","start_word":689,"end_word":706,"sentiment":"positive","sentiment_score":0.3492986261844635},{"text":"Yeah. But It's I know I know 20,000 is not gonna help much, but just yeah. that I'm yeah. I'm just mindful in the sense that if you were looking at a property and, you know, say, like, you know, you've got your 120 and $20,000 in the investment that you may need to liquidate that investment to be able to purchase, like, a property in the future that you do wanna do. And Oh, then that Okay. way. Yep. I'm sorry. I now I understand Yeah. what you mean. Yeah. Because, like, we're obviously long term investors. And even though you say you wanna double, like you said, it is quite volatile in the sense that the markets are going a lot of ups and downs at the moment. So if you were Yeah. to invest in the next sort of three months if the war was to continue, there is a good chance that it might sort of decrease in that time. And then, Yep. obviously, you know, if the war, like, was to finish, there's a chance that it will obviously go up, but which isn't a sort of factor in, like, the long term. But, say, if you did invest and then the wall continues, it goes down, you know, by five or 10%, and then you need that money in three to six months' time for the property, you might have lost money in that time instead of, Alright. like, making money, obviously. Yeah. I search main. Yeah. Yeah. No. So no.","start_word":707,"end_word":963,"sentiment":"neutral","sentiment_score":-0.17548400163650513},{"text":"Not that 20,000. I think I've and I won't be looking for anything in the near future just yet. I'm waiting for the yeah, see what the past prices do. I'm not buying anything at these house prices for the present. So unless the market drops remarkably, housing Yep. market prices, I'm not going to be like, it'll stay there for a while at 20,000.","start_word":964,"end_word":1028,"sentiment":"negative","sentiment_score":-0.3969468176364898},{"text":"Yeah. Yep. And then with the relocation and moving to the caravan park, do you rent the caravan park, or do you purchase, like, a unit inside the caravan park? No. Well, I purchased a caravan, and I'm living in it here at the Ah, okay. And park. then just renting a lot there? Yeah. Yeah. Yep.","start_word":1029,"end_word":1085,"sentiment":"neutral","sentiment_score":0.04438761948493489},{"text":"Okay. Perfect.","start_word":1086,"end_word":1087,"sentiment":"positive","sentiment_score":0.558983325958252},{"text":"And within regards to any other I know you got the car as well and then the $1.40 Mhmm. in savings. Is there anything else at the moment with you sort of selling down and moving out to Dolby? No. No. Not just the super. Yep.","start_word":1088,"end_word":1133,"sentiment":"neutral","sentiment_score":0.09014324843883514},{"text":"Perfect.","start_word":1134,"end_word":1134,"sentiment":"positive","sentiment_score":0.5007597804069519},{"text":"Because with that too, because you are sort of four years, you know, closer to, you know, three and a half probably by the time everything gets sort of sorted in regards to accessing super. Have you thought about just sort of having a smaller amount contributed to your superannuation over the next sort of few years? When you sort of start contributed to your superannuation over the next sort of few years when you sort of start working again as well? So what what you mean this, like, this 20,000 that I'm wanna Yeah. invest? Well, no. Maybe not into, like, a a lump sum type deal, but, like, just in regards to because, obviously, investments outside of super are much like investments inside super in terms of, like, you know, what you do hold. Like, you can hold, like, direct shares, exchange traded funds, things like that as well. Mhmm. So you can look to given your, you know, age to to the age of 60 and given that you are working at the moment or sort of looking to potentially go back to work, you could look at maybe contributing to superannuation. So that way when it comes to, you know, the age of 60, if you are, you know, working part time, wanna draw down some of the funds or looking to access some of the money, even though it is in Yes. the superannuation after 60, you can actually access up to 10% even with you working. Alright. And the distributions are, like, tax free.","start_word":1135,"end_word":1394,"sentiment":"neutral","sentiment_score":0.09932084381580351},{"text":"And then if it's inside the tax environment, it doesn't have to worry about things like, you know, adding to the individual tax return, things like that as well. Mhmm. And then because you've already got your superannuation fund and paying for that fund, you're, like, lowering the administration costs Alright. for the money invested.","start_word":1395,"end_word":1449,"sentiment":"positive","sentiment_score":0.49937787652015686},{"text":"Obviously, the bit of a downside is is you do lock it away at least until the age of 60, Yeah. which given, you know, you're saying that, obviously, you know, longer term, you are looking at having it sort of put away for investment to grow as opposed to having it outside of it, you know, all the income that is earned off that investment, whether it's sort of dividends paid and things like that can form part of your individual tax return. Okay. Not that it would probably make a huge deal, but there's a little bit more administration. You're paying for, you know, a separate investment fund as well. And then with if you were to just contribute to super, it's much like what you've got going on now or just contributions going in like you were working. Yep. The risk is obviously you just have it locked away for a bit longer, but then the money is also compounding a bit better as well because Yeah.","start_word":1450,"end_word":1619,"sentiment":"neutral","sentiment_score":0.07349338382482529},{"text":"you've got more funds in there.","start_word":1620,"end_word":1625,"sentiment":"positive","sentiment_score":0.3635048270225525},{"text":"You get a little bit more compounding growth having the funds together. Mhmm. And given that, you know, you're only that sort of three and a half to four years sort of from the age of 16 being able to draw down it, that's sort of like a minimum time frame for, like, a balanced balanced sort of growth investment anyway to get Yep. the sort of average returns and especially with things the way that how the markets are so volatile with the war going on at the moment. So with that, you know, that is an alternative option just to add some more money into to superannuation and get that growing to your Yeah. time Yep. Yep. and goals as well as opposed to, yeah, the individual investment. Right. Okay. Yep.","start_word":1626,"end_word":1758,"sentiment":"neutral","sentiment_score":0.12151406705379486},{"text":"So, yeah, I'm definitely starting to go so I will be contributing back into my super as soon as I get a job.","start_word":1759,"end_word":1781,"sentiment":"positive","sentiment_score":0.6956016421318054},{"text":"Yeah. So this is this I just wanted this off the side, not combined with my super sort of if I could.","start_word":1782,"end_word":1803,"sentiment":"neutral","sentiment_score":0.13238191604614258},{"text":"Yeah. You def you definitely can. It's Yeah. definitely an option.","start_word":1804,"end_word":1814,"sentiment":"positive","sentiment_score":0.4908897578716278},{"text":"Obviously, I just wanted to explain, you know, the the other options out there for you. Yeah. Yep. But if you do wanna just have it like in an IDPS account that is separate to your superannuation, it can be in a different risk profile there as well. And then you can sort of just, Yep. yeah, monitor it and maybe make a few more different changes as opposed to superannuation. Yes. With that, generally, we do have your super, like, invested a tad more aggressive than outside super investments just in the off chance that you do need to, like, access the funds. At the Mhmm. moment, you're in, like, a balanced growth portfolio for your superannuation, Yep. which is quite defensive in the sense that it is, like, a, you know, a sixty forty ish split. If you went to more of, like, a balanced or conservative option, you may be looking at, like, fifty fifty Mhmm. for that. Is that something you've had a thought about and how aggressively you might wanna have that invested? My suit that you're talking about now, is it? Or Or the just 20? in regard yes. A a bit of both there as well. I can run through those risk profile questionnaire questions again. Obviously, with the super, you did still come out as like a moderate investor, which is in line with sort of like a a balanced growth Yep. sort of allocation. But given, you know, it's not too far off being a bit more conservative, you can sort of look at still that balance option for the outside super investments. It means it is a little bit more defensive if you did need the funds. It's like during these volatile market times. It's less likely to take as big of a hit as opposed to, like, having it more aggressively invested. And then Okay. with that, you're obviously looking at, like, a smaller time frame for, like, to get the average out of that, whereas the high growth, obviously, they have bigger ups and downs. So you wanna be quite conservative in terms of, like, the time you are having invested for versus being in more balanced option. It's, you know, a lot more fixed interest cash defensive assets that are similar to, like, you know, if you were to hold it in shorter periods to get those returns out of it. And, obviously, the return just is projected to be a little bit lower there as well, Yep. like, as far as an average, if that makes sense. Okay. Well, I have no plans to retire unless, god willing, for another Yep. ten years. Yep. So because I can't access a pension or anything till I'm 67, I think. It's not Yeah. I'm 67 yeah. at the moment. Yeah. Yeah. So at this stage, I'm going to be working as, you know, as long as I can be. Yep. Yeah.","start_word":1815,"end_word":2307,"sentiment":"neutral","sentiment_score":0.05290863519387119},{"text":"Well, it hurts if I get a job.","start_word":2308,"end_word":2315,"sentiment":"negative","sentiment_score":-0.4339343011379242},{"text":"It's been a couple of weeks, and I haven't been able to find anything. But, yeah, something Yeah. will With pop everything up. I'm going, not yeah, at yeah. the moment, it's a little bit hard, obviously. Yeah. So And I'm not given the obviously, you know, you are a little bit busy busy with the move and everything, you have time to obviously, you know, run through the presentation and everything like that. You don't wanna sort of get your your feet settled before finalizing everything and maybe even updating your superannuation investment with Yeah. everything that So with the is super, it's you guys manage going it, don't you? on? As far as the superannuation's can Like turn, like, because of the fund you're in every sort of twelve months is a minimum. We do do, like, in your review. And to change anything in regards to that, there is well, we do generally have to go to advice. Now that Benelon fund that we did speak about previously that makes up a smaller portion of your portfolio, as a company, they are looking at going away from that. So if you're happy Mhmm. with the rest of the year investments and how they're all traveling, the rest of it is largely doing quite well apart from that Benelung investment. Obviously, it's all taken a bit of a dive with what's happened in the the war Yeah. in Ukraine. I can Yep. get them to organize just an hour away. And then what that will do is it will just be a record of advice from, yeah, you know, the investment committee there to state that they're moving you out of Benelung to what's called the a 200 as a replacement. It is an index fund, so it's removing it from an actively managed fund to an a 200 fund. Mhmm. And Okay. then with with that one there, you'll still have some active management with the the ClearBridge infrastructure fund that you do hold within that. It would just Mhmm. look at removing that. The alternative is is with that as well. I can review your your superannuation Yep. and sort of make a recommendation for an investment update as a whole, or you can just maintain the Yep. portfolio that it is still doing well apart from the bed along in terms of the returns I've gotten out of it. So it's more than fine if you were to sort of, you know, just do the the bed along replacement and they review in sort of another twelve to twenty four months time depending on how it was sort of tracking and how the investment did over that time frame. Obviously, no one's got the crystal ball in what's Yep. going to occur That's alright.","start_word":2316,"end_word":2784,"sentiment":"neutral","sentiment_score":-0.08595711272408459},{"text":"That's with the problem.","start_word":2785,"end_word":2788,"sentiment":"negative","sentiment_score":-0.36199817061424255},{"text":"yeah. With the bed along for for certain, they're looking at removing that from all the Mhmm. portfolios that they currently hold. Given that you're in a balanced growth portfolio, you did do 11.25%, which is really quite high Yeah.","start_word":2789,"end_word":2828,"sentiment":"neutral","sentiment_score":0.022848377376794817},{"text":"Yep. for balanced growth.","start_word":2829,"end_word":2832,"sentiment":"positive","sentiment_score":0.37593796849250793},{"text":"Balance growth, you're sort of looking at aiming for, like, a six to 8% return, and that's with the bet along not performing too great. Mhmm. So that is the option there is just doing that record advice to replace that bet along for you. Alternatively, Yep. I can review your superannuation investments as well. Without reviewing, obviously, I wouldn't say for certain that's still, like, in your best interest. Obviously, I can say that it is still performing well since inception even.","start_word":2833,"end_word":2915,"sentiment":"neutral","sentiment_score":0.14579854905605316},{"text":"You've done quite well for a balanced growth portfolio in regards to returns you have gotten out of it, so which is fantastic. Being that it's a little bit more defensive in the way the world has been in those few since you've been on board helps Yep. in regards to those defensive assets you do hold in the return you have gotten.","start_word":2916,"end_word":2978,"sentiment":"positive","sentiment_score":0.5213947892189026},{"text":"And Mhmm. at the moment, you're probably sitting, I think, since the time you've been on board, it's like 8.21% in terms of, like, an annualized return after fees for the Yep. time that you've been with us, which is still quite quite Yep.","start_word":2979,"end_word":3022,"sentiment":"neutral","sentiment_score":0.12416191399097444},{"text":"nice, quite on the higher end of balance growth.","start_word":3023,"end_word":3031,"sentiment":"positive","sentiment_score":0.44329333305358887},{"text":"And then we can just look to do the investment update and then potentially review, you know, your superannuation insurances at a later date there as well. Yeah. Sure. Yeah. No. I'm happy to do, yeah, to take that Benelon out if you and put it into something else. That's fine.","start_word":3032,"end_word":3082,"sentiment":"neutral","sentiment_score":0.04603894054889679},{"text":"I'm happy with that.","start_word":3083,"end_word":3086,"sentiment":"positive","sentiment_score":0.3884938955307007},{"text":"Yep. Not a problem. But yeah. So this this other one, but it so can it be can I manage this 20,000 myself in this investment thing? Or, like, To to can some I move shares around and that sort of thing? not with it being under, like, our fuse management, we can sort of give you some funds that you can sort of make some more active changes. And if there are certain things that you do want, we don't really day trade investments there. So if you were to go, like, I do wanna make this change, you know, sort of every because obviously buying and selling comes at a cost as well, and there is a risk to, you know, selling low, buying high, those sort of Not. things as well. So you can have a say in what you want. You can sort of have a bit more of a say in sort of what you wanted to potentially start off with and have it in there. And sort of each, you know, year sort of review, you can sort of look to make some changes and have a bit more of a say in what you want in your super or sort of in regards to your IDPS investment. But as far as, like, access to to buy and sell, if it's under refuse management, generally not, unless you were, like, a wholesale investor where with that, you know, you have to have a a little bit more knowledge in regards to or funds to be able to lose. So if, you know, you had, like, $2,000,000 worth of assets, you can afford to lose 20,000. So they can sort of have a bit more access in the buying and selling and and trading as a liability issue. Yep. But in saying that you definitely can have a say in what you have, that you wouldn't sort of be able to go in and sort of make the buys themselves unless you sort of had, like, a separate investment there account that you were to do yourself. Oh, okay. Yeah. Alright. Is that something you're looking to do so more so with that is have, like, something you could sort of put buyers and sellers and trades and manage Yeah. yourself a bit more? Yeah. Yeah. Something just yeah. Just a dabble in and because I follow a bloke, Andrew Barnett. And he I sort of joined up to him, and he gives advice on buying and selling and all that type of thing. So, Yep. yeah, I was Okay. just looking for something to, yeah, a little bit more freedom probably Yeah. to be And able then to move and do things myself. it's just there's a a lot of I'm sorry you can understand standpoint. Yeah. Like, if it can't really sort of be under Ophi's name and then sort of the liability be with you making the decisions of the buyers and Yeah. sellers and Yep. things like that. Obviously, we can do a few transaction with that advice that we sort of note. But if Mhmm. you're in there sort of buying and selling and making that, it's a bit more of a liability in the sense that, you know, we're responsible Yeah. those investments somewhat at the end of the day as well and what's going on. Yep. I can sort of see with the the team on what they sort of have in regards to just personalized investment accounts and sort of shoot you an email of different platforms Mhmm. that Yeah. they've Yep. sort of sort of ticked off as, you know, being somewhat reputable that you can sort of use. And then Mhmm. maybe just some general information on both just so you can make an informed decision. Yes. But Yep. if you wanted to do, like, a little bit more of that buying and selling your yourself that obviously, you know, the risk is is if you don't really invest in sort of day trade with money you're not willing to lose at the end of the day as well, That's that right. is Yeah. sort of thing, yeah, that you have to be mindful of. Obviously, if that's something you're aware of and wanna still partake and do that yourself, we can sort of give you certain reports and things like that if we have access to them in our research houses if you did want a little bit more information and just want to reach out in regards to certain things. Mhmm. But as far as, like, being responsible or managing the your day trading, that's not an option. So you're able to, you know, manage that yourself and have it in your your own name, if that's something you were looking to do. Yeah. Yep. Yeah.","start_word":3087,"end_word":3899,"sentiment":"neutral","sentiment_score":-0.005981127603130179},{"text":"I wanted something with a little bit more, probably, a little bit more freedom to Make do the myself.","start_word":3900,"end_word":3918,"sentiment":"positive","sentiment_score":0.4856291711330414},{"text":"decisions and changes Yeah. when you yeah. No. Yeah. Understandable. I don't know how much time I'll have today, but I'll add it to my list. Hopefully, sometime tomorrow, they'll get in touch with this sort of investment committee and sort of some platforms. Yep. They've sort of, you know, approved somewhat. Obviously, we don't typically use a lot of the individual platforms. We sort of pair them with, you know, larger platforms and where you hold your superannuation, things like that as well. Mhmm. But just Yep. to give you some information on on those so you can make a bit of a decision yourself. But in regards to your own, like, superannuation and your even insurances that you hold with us, is there any sort of changes you were looking to make with them, or you're purely just looking to get a bit more information on some individual investments and maybe an account for that? Yeah. So well, now you've brought up my super. I could probably see, I've only got what about it? Ten years to go, and I've only got a 100 and how much I've only got a 140, is it, in I my think it's super? a little bit over. Let me just bring up the account. It's $1.48 or close to $1.49. Yeah. So I could probably take a little bit more risk, I suppose, now I'm getting closer to that age of Generally, retiring. within regards to risk, you wanna sort of look at reducing the closer you do get to retirement just in case there are large sort of fluctuations and drops. I know sort of, you know, you feel like you might not have just enough there, but in saying that if you were to sort of bump it up to a growth, you know, which is closer to that sort of eighty, eighty, 20 split as opposed to, like, close to, like, you know, the 70% growth assets.","start_word":3919,"end_word":4247,"sentiment":"neutral","sentiment_score":0.05882842466235161},{"text":"There are the risks that it sorta can have, you know, associated with what is occurring at the moment, significant drops in your in your balance.","start_word":4248,"end_word":4273,"sentiment":"negative","sentiment_score":-0.37320154905319214},{"text":"Now with that, obviously, that ten year time horizon, you can sort of look to have that. That's sort of saying when you get, you know, between three and sort of five years from your retirement, you do wanna look at sort of having a little bit less risk to ensure that, you know, if there was a market dip, you have time to recover from that. And increased risk doesn't always mean increased Yeah. No. Yeah. returns.","start_word":4274,"end_word":4351,"sentiment":"neutral","sentiment_score":-0.029872624203562737},{"text":"Given what is occurring at the moment, given you're in that sort of balanced growth, which is sort of, you know, that 60 to 70<unk> growth assets, you still have, like, a nice amount of growth assets, and you've been getting a nice return with that.","start_word":4352,"end_word":4398,"sentiment":"positive","sentiment_score":0.3508579432964325},{"text":"And a lot of the return too is coming from those defensive assets. So if you increase your risk at the moment or if you did have, like, a more of a growth portfolio, the chances are that you might have done a little less in regards to your returns, if, Yeah. like, Okay. that makes sense Yep. over Yep. a twelve month period. Mhmm. So given with the way things are sort of be remiss in sort of saying increase your exposure with the way the companies are faring versus those, like, defensive assets, Okay.","start_word":4399,"end_word":4494,"sentiment":"neutral","sentiment_score":-0.0685783103108406},{"text":"Obviously, things like gold are really doing quite well.","start_word":4495,"end_word":4503,"sentiment":"positive","sentiment_score":0.45610231161117554},{"text":"You know, Yeah.","start_word":4504,"end_word":4506,"sentiment":"neutral","sentiment_score":0.2972812354564667},{"text":"since you've been on board, it's like up one forty. That's more of a defensive asset even though it can be considered growth. You know, you've got your your bonds and things like that, which do get you a nice sort of bit of stable income in from your your portfolio as well. And, Mhmm. yes, the the other assets have done nicely in terms of, like, your S and P 500, those shares, and things like that as well.","start_word":4507,"end_word":4586,"sentiment":"positive","sentiment_score":0.4667847752571106},{"text":"Yep.","start_word":4587,"end_word":4587,"sentiment":"neutral","sentiment_score":0.19812944531440735},{"text":"And but in saying that as well, things like Bennelong, if you're aggressively more invested as well, Benelon would have had more money allocated to it, which has gone backwards by like that, you know, 20% in the past twelve months, which should negatively Mhmm. impact growth.","start_word":4587,"end_word":4633,"sentiment":"negative","sentiment_score":-0.509674608707428},{"text":"Yeah. Yep. So so Oh, your yeah. recommendation would be just a sit put for now Sorry. with Well, that? as far as a recommendation, like, we would have to put in advice just to review it and things like that as well. But given, like, from you what you've told me previously from the answers from your risk profile that you are a bit more of, you know, moderate investor if you sort of were to experience, you know, a lot of decrease in your super or the more fluctuations from what is occurring in the world.","start_word":4634,"end_word":4731,"sentiment":"neutral","sentiment_score":-0.1961338222026825},{"text":"It may sort of negatively impact you a little bit in regards to, like, you know, the way you you view your your growth in your superannuation. Just because you increase your exposure doesn't mean you're gonna increase the the return like you're sorta hoping for as well.","start_word":4732,"end_word":4779,"sentiment":"negative","sentiment_score":-0.5173375010490417},{"text":"And given that, you know, you might hit and you might wanna sort of look at accessing some of the the funds depending on if you do end up working or not as well, Yep.","start_word":4780,"end_word":4814,"sentiment":"neutral","sentiment_score":-0.2897038459777832},{"text":"then that may sort of be negative overall in terms of the impact it may have. If you sort Mhmm. of go back to work and start contributing again and still feel like I am gonna be working in that ten years, I definitely wanna increase my exposure a little bit.","start_word":4815,"end_word":4865,"sentiment":"negative","sentiment_score":-0.44882312417030334},{"text":"That's something we can definitely review for you, but not working Yeah. currently and things like that. And given that, you know, your savings are getting in into a little bit and, Yep. you know, depending on the outcomes over that time period, it might sort of, yeah, bit too many variables.","start_word":4866,"end_word":4917,"sentiment":"neutral","sentiment_score":-0.26684755086898804},{"text":"So I wouldn't wanna sort of look at doing that at the moment in case things Mhmm.","start_word":4918,"end_word":4934,"sentiment":"negative","sentiment_score":-0.4156680703163147},{"text":"do Alright. change. But, you know, Yep. if you're in sort of, you know, three to six months time, if you're you're working and happy in your job and you feel like, you know, this is a career I can do for the next ten years, and I do wanna increase the exposure, and I'm aware of the risk, you know, of market downturns with everything going on. That's definitely Mhmm. something we can look at for you and Yep. and look Okay. at bumping up for Yep. Sure. No. That's fine. I'll just leave it as is. And so what about what about what's happening with this Benelon now? Are they are you taking it out of our the portfolios? you. So given that we're not, like, looking at reviewing anything currently in regards to, like, updating it at the moment, I'll just Alright. get the team to organize the ROA to change the Bennelong specifically at as rest Yeah. as far as the rest of the portfolio, Yep. it'll remain the same. It'll just be the percentage allocated to Bennelong will go to that a 200, which is Yeah. an Australian index. So Bennelong's in Australian equities. And Mhmm. then with that that change of Bennelong, it'll just be going to that Australian 200 index, which has obviously experienced a little bit of a downturn with what has occurred in the war, but it also Yes. sort of works out a little bit that given that Benelung did come down, and then that's going down as well. You're kinda selling low, buying maybe a tad bit higher. And then hopefully, once the a 200 starts picking up, when the the war sort of starts to level level out there, you'll get some nice consistent return growth. Mhmm. Yep.","start_word":4935,"end_word":5234,"sentiment":"neutral","sentiment_score":0.0623731150229772},{"text":"Cool. That that sounds fun.","start_word":5235,"end_word":5239,"sentiment":"positive","sentiment_score":0.5917858481407166},{"text":"So Yeah. and is there anything else you wanna review in regards to your insurances or anything like that? You're happy with your your life and TPD cover that you currently hold? What what have I got there again? Sorry. What Two what 100 covers? and 20,000 of life and total permanent disability if sort of something was to occur where you cannot work again or if something was to occur where you're no longer around? Mhmm. And it was what was it? A hundred and twenty? 02/2020. '2 Sorry. hundred and twenty. Sorry. Yep. Yeah. Okay. Oh, no. That should be okay, I think. Yeah. Well, given that you don't really have any sort of debts, it's more than enough to sort of, you know, cover for maybe some ongoing living expenses. You know, if something were to happen, we're unable to sort of be able to to earn an income ever again and not working. Yep. The chances are that you'll sort of be traveling around a caravan, things like that, sort of lower as well. So you may look to, you know, either sort of moving in with family or some sort of assisted living there as well, which Yep. that could go towards being able to sort of pay for those ongoing sort of living expenses, plus any sort of government assistance programs you might be sort of eligible Yep. for as well. Okay. Yep. Yeah. No. I'll probably leave it as it is then for a little while. Yeah. Yep. And Alright. did That's you want fine. sort of, like, a a six month follow-up just to sort of touch base to see how things are going, see if you do wanna review your your superannuation again, see if you're back at work or not. Yeah. Yep. That'll be fine, though.","start_word":5240,"end_word":5545,"sentiment":"neutral","sentiment_score":0.00507528249941328},{"text":"That'd be good. Perfect.","start_word":5546,"end_word":5549,"sentiment":"positive","sentiment_score":0.5591346621513367},{"text":"As I said, I'll make a a note, and I'll ask the investment committee when I get a second there of any sort of individual platforms that they're sort of aware or happy sort of may pass some information along, sort of just as standard business practice that you can sort of have a review of and see if there's something that you might wanna do it on. If you do review those and Mhmm. feel like you do just want sort of to to manage it more so and then have just a bit of a say in what you may hold as well, then we're more than happy to review that again with you as well. Yep.","start_word":5550,"end_word":5668,"sentiment":"neutral","sentiment_score":0.2040559198676037},{"text":"Yep. That would be great. No problem at all, Joanne.","start_word":5669,"end_word":5678,"sentiment":"positive","sentiment_score":0.5391642451286316},{"text":"But is there anything else you wanna have a chat about today while you've got me there? No. No. That's all good, I think.","start_word":5679,"end_word":5702,"sentiment":"neutral","sentiment_score":0.18141399323940277},{"text":"Thank you.","start_word":5703,"end_word":5704,"sentiment":"positive","sentiment_score":0.5433353185653687},{"text":"No problem at all. Well, yeah, I'll get a start on that. I'll put Mhmm. you down for a six month follow-up just to to touch base and see if you do wanna review investments and maybe the wars settle down a little bit by then as well, Yeah. and we can have a bit more of a chat around that. But, Yep.","start_word":5705,"end_word":5767,"sentiment":"neutral","sentiment_score":0.10808198899030684},{"text":"otherwise, good luck with with the job hunt there. I hope you're enjoying your new place there, and we can sort Yeah.","start_word":5768,"end_word":5789,"sentiment":"positive","sentiment_score":0.5121902227401733},{"text":"of touch Yep. base soonish. Yep. No.","start_word":5790,"end_word":5796,"sentiment":"neutral","sentiment_score":0.1250009685754776},{"text":"That's great. Thank you very much. No problem, Joanne. Thanks Okay. for your time this That's morning.","start_word":5797,"end_word":5813,"sentiment":"positive","sentiment_score":0.5498782396316528},{"text":"alright.","start_word":5814,"end_word":5814,"sentiment":"neutral","sentiment_score":0.2857932448387146},{"text":"Thank you. Bye.","start_word":5815,"end_word":5817,"sentiment":"positive","sentiment_score":0.48479193449020386},{"text":"Bye.","start_word":5818,"end_word":5818,"sentiment":"neutral","sentiment_score":0.2421245872974396}],"average":{"sentiment":"neutral","sentiment_score":0.02709039402008057}}}}