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Now's still a good time for you? Okay. Not a problem. Just to jump into that one today there, Brandon, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that. Perfect. Now I know when booking in, you did speak to my colleague, and you did adjust some of your asset values and your debt values. One of those was sort of quite significant. Is that just because when we felt like I had a conversation end of last year, you hadn't really evaluated your homes, and then also you weren't a 100% sure on your actual levels? Okay. Not a problem. And the amount that came off that debt value, was that due to anything, or is that just the fact that you might have just sort of disclosed the higher amount when we last spoke? The mortgage on your primary residence there? Oh, okay. Not a problem. Because we had it 700 and then, yeah, and then you stated 600, so it was just changed there. Yeah. Not a problem. I just thought that like, you maybe got some sort of inheritance or something like that, but I'll make a a copy here. The the SOA does state 600 there just given what you did disclose in the update there. I'll change it back to the $6.80. That's fine. If you did want an updated copy with that 1 figure change, that's more than fine as well. But in regards to the document there, Wren, I'll just be sending that out to your email at wren van I have bandaddress@gmail.com. Is that still your correct email? Perfect. Now in regards to this one, you'll have your statement of advice, the appendix to it, the Okta services guide and financial services guide. And then there's the PDFs in regards to your super product and then the Vanguard index chart. Now I'm sort of aware of your time there as well because I know you do get quite busy. Did you want me to just go through, like, a quick run through for you, Renan? Come you can come back with any questions you might have in regards to the document or otherwise, we can, like, take our time and run through it a little bit more in-depth with you here today if you want to. Okay. Not a problem at all. So in regards to that one, obviously, once that comes through your email, but, obviously, it's an advice piece prepared for yourself by myself and the team there as an authorized representative under OP Financial. Obviously, in regards to investments, we do it in regards to best interest you're trying to put you in a better position than where you're currently at. And with this advice piece, I know it is quite simple in the terms that you were pretty happy with how things were going. We're just doing a review basically in regards to your investments just due to the Benelon and just doing a a total look. And we also did include some estate planning matters just given that you still don't have those in place in regards to your hub 24 beneficiary form there or the the wills and estate planning sort of side of things. Yeah. Obviously, with that, given that you have, like, sort of a few assets there plus your couple of children and your your partner, it's important to have those sort of things in place in case anything did happen. In addition to that one, we did put limited scope in for your group cover because, obviously, you didn't wanna sort of look at changing that. We just put it limitedly in to illustrate the cost that it's currently costing impact that can have on super. As far as debt and property, you are happy managing these things yourself in regards to paying them down and the debts that are managing the property and looking at potentially another investment property. Obviously, you have access to the people here as far as mortgage brokers are concerned and then also some trusted partners that we can refer you on to as far as mortgage brokers outside of OQ Financial as well. Now in regards to budgeting savings, obviously, you're happy managing that yourself in regards to doing your your renovations and enjoying some family time with holidays and have you. We can also send out the budget planner if you ever did want that just for you to manage your own sort of cash flow and budgeting day to day for your debts and holiday and things like that as well. Yep. I can pass your details along to one of the Oaktree, like, trusted partners, a mortgage broker, just with your general details and what you're trying to do and potentially looking at refinancing or looking at potentially, like, another investment property if that's what you're after. Not a problem. Did you want me to make that email introduction for you so they can give you a phone call and then have a discussion with you? Not a problem. Obviously, there's a couple here we work with. So if you're not happy with the one we refer you on to, we can always pass you along to a different one as well. Is there a time that sort of better suits you? Obviously, I know you're in WA, so it's a bit of a a stretch there, but is it sort of more afternoons that work better? I'll just sort of put lighters. Okay. Not a problem. In regards to that document there too, I'd say quite straightforward. We're just looking at retaining that hub twenty four, looking at change those underlying investments. We're recommending, obviously, you set up your beneficiary nominations, establish a will, and a power of attorney. I can also send through some information there for some local solicitor here, just their general wills and estates information booklet as well. And same thing goes, you can sort of utilize their service. They are a separate service or you can sort of find someone local to you, but at least it's a nice bit of information to have. Perfect. Obviously, on page nine there, you will see that it is slightly if you the the mortgage details in regards to that primary residence, it does state 600 as you just said as $6.80. And then the page before that, you'll see just your general details. And then the page after that, you'll be able to see your insurances and your current superannuation fund and what you hold in terms of the value as of the date of the advice document. Then in regards to risk profile there, Ren, you score the growth. We're still recommending you stay in the growth. The main difference in regards to recommendation versus what you've currently got. So you do have some active portions inside your current portions inside your current superannuation. Now one of those has been along, which hasn't performed great at all, and another one is ClearBridge rare infrastructure. Now that managed fund has performed quite well over the time since you've had it, but the recommended update in the way that sort of Ophi is going at the moment in terms of investment direction, they are looking at doing a lower cost, passive approach in returns to an index investment sort of split with the core and satellite as opposed to having some of those managed funds. Now the benefit of that is, obviously, it comes at a lower cost that reduces some volatility and it, like, eliminates that manager risk of having, like, what happened with Benelon. The the difference with that, though, is you don't have the potential to outperform the market. So with those managed funds, if the fund managers do their job and do well, the additional cost you pay, they have the ability to potentially outperform the markets by picking and choosing the investments they hold, Whereas those indexes just track the market indexes in whatever sort of region or industry that they're sort of based in. And then you're just tracking a certain amount of companies within that. And as they sort of rise and fall, it's dynamic in the sense that they'd update. But in saying that, you won't be picking and choosing, like, the winners anymore to try and do better than what the market is doing, if that makes sense. Yeah. And they're your two managed funds, and at at the moment, it sort of, like, cancels out in regards to, like, obviously, one doing well and one doing poorly. But saying that Bedelon has done a lot worse than what the ClearBridge has done good over that twelve month period. So you're still down in terms of, like, your managed funds as opposed to, like, your index investment so far actually doing quite well. Now not to say that your super has done poorly in terms of, like, since you've been onboard, it's actually done quite well. Obviously, with the market correction with the Iran war and then with what happened with Bennelong, it's obviously taken a bit of a dive. The Bennelong one somewhat could have been avoided based because it was underlying investment issue at the end of last year that caused their initial dip, and then that was a further, like, exacerbated by the the war and causing all the markets to take a bit of a dive. You still did 5% off the fees for the the last twelve months, which obviously isn't fantastic with everything going on. It's sort of expected to have a little bit of a lull year, but it could have been a bit better if you didn't have that 10% sort of in that Ben Long managed fund, if that makes sense. Yes. So you still hold. Let me just see how much it's actually sitting at the moment. Gold at the moment, given how much it's sort of gone up, it's done around 35.5% over the last twelve months with that one. And then with the update, you'll still hold gold, and it will still be an active portion. Like, well, a portion of your portfolio will correct a little bit. They'll sell down a bit because with how well it's done, it jumped out to about 20% of your portfolio. And then with that, it'll come back to to about 10 with the rebalance. And then you'll have some bank hybrids, which is your defensive portion. They are getting phased out. So in the future, that won't be in your portfolio, but that's still a defensive portion. You'll have an allocation to cybersecurity, and then the key holdings will be the S and P five hundred, which will be around 30%. And then you'll also have the BetaShares Australia two hundred, which is sort of the replacement for Benelon in the Australian market, and that'll be 20%. And then you'll have a few other satellites with Europe, Japan, and then a Vanguard all with excluding US investment. Pardon me. And that'll be sort of from 5% just to have you some exposure in some different geographical locations outside those key holdings that you do hold. Now, obviously, with how sort of things are, you will get a guarantee that you will be saving money with that investment change. And then with that, that'll obviously go to be out of being reinvested. Historically, over the past, like, three year rolling averages, it has performed better with the index funds, as opposed to, obviously, Chris having that been along and how well it's done, it sort of hindered your growth a little bit. And not to say, as I said, that it's performed horrendously since your time on board. But given the last twelve months, the investment committee is moving away from that. And then with that with the update to save on cost and then also smooth out some volatility for some longer term growth with how well the markets have been doing over that three to five year period, The indexes have been performing quite well. And then hopefully, like, moving forward, they'll continue to have that steady growth, and you won't have to take on as much managed risk as you do currently and still have the same, like, allocation to to growth assets, if not just slightly more with less sort of risk in regards to those picking and choosing of those winners, if that makes sense. Pardon? So in regards to that, you'll still have, like, an eighty twenty split into sort of growth assets to defensive assets. You just won't carry the manager risk of those managed funds if you were to take on the update. Now the alternative, if you did still wanna maintain level of active management, you could, like, keep the the ClearBridge or you could sort of have an actively managed fund. But with that, you carry that manager risk still, and it comes at a higher investment cost. And there is still the potential that much like sort of Ben Lung has, like, a bad year where they pick and choose a wrong investment and have quite a significant drop. And then with that, you're sort of waiting on those good years to to come back, whereas the index is it does what the markets are doing and attracts the markets. Now, obviously, with what's going on at the moment, the markets aren't doing term fantastic, but neither are the managed funds. And then with that, if the market's doing well and you're getting growth in the economy, then those indexes track quite nicely. And the S and P 500, if you look at sort of, you know, $10,000 invested back way back when versus, like, sort of those managed funds. The indexes tend to, over the long term, provide better sort of returns and more consistent returns through those goods as well as opposed to taking on the more managed risk of someone trying to pick and choose what is happening through that time frame. Do you have any questions regarding that at all, Ryan? Yeah. As I said, obviously, in the past three months there since the the war and everything kicked off, it's not doing too fantastic. And likely, it'll sort of still be quite stagnant until that sort of resolved in terms of, like, your time tool for retirement. It is a little bit of a blip on the radar, so I'm not too sure how much you paid attention with, like, the tariff talk and how that affected your super originally, but it took quite a dive at the start of the year. And then it recovered nicely from that, and then, obviously, this is a bit of a just a double whammy. But since you've been on board after fees, you've done around 22.6. And then with that, it's sort of grown nicely in that period as well with how much you've put in, obviously, in regards to the growth that you're getting out of it as well. Because I believe yep. It's around a $132,464. Yeah. But I so if I go just down to, like, a dollar figure around sort of let's just double check. In gen January 2025 or February 2025 is around 113,000. And that's, like, obviously contributions and growth. It was up around the $1.40 mark before, obviously, the Benelong and then the wall kicking off, and then it's just taking a bit of a a correction. Yeah. And I believe, like, when you came on board, your balance was around, like, the 77 sort of mark, so it's been pretty steady, consistent sort of growth. Yeah. And then although, like, it could have been a bit better, like, it is, like, in the expected range, it was, like, annualized figure as well. I think it's around a bit over sort of 7% around that sort of just under 8% of, like, an annualized figure even with the dip that has occurred, and it would be a bit higher if that didn't occur, and that's after fees as well, not like a before fee thing. And then with that, like, obviously, moving forward, the investment fee would drop. So it would mean you'd have more money going into investments and the returns and getting that returns. I think it's around $426 you'd be saving in investment cost by not having those managed funds and not taking the gamble and just sort of tracking what the market indexes are doing. It's not to say you can't revisit it in the future as well and potentially add some form of active portion back. But at the moment, with the way things are being quite volatile and trying to pick those winners, being an index is a bit of a safer option. And then going forward, you are saving money with that as well while having a nice group of diversification in your portfolio. Yep. Perfect. So, yeah, within regards to that one, but moving more to a more diversified portfolio, you get a nice market exposure. And then from there, you will have a a bit lower volatility through that diversification and the lack of manager risk, and then you'll still maintain, obviously, the transparency in your suit for being able to monitor your investments as opposed to being in, like, a a separately managed account and things like that as well. So you'll be able to see how things are doing individually. And if you ever did see something that you're a bit worried about, you can always give us a call and address it as well. Obviously, over the next three to six months, it might not be doing too fantastic even with the the change, and that's purely because, like, the markets themselves aren't doing too fantastic. Yep. And, yeah, obviously, with that, you'll still maintain the group insurances having hub and not changing platforms either. You'll have the benefit of not having to pay full CGT. The sell downs will just be on the the assets that are changing, and you will be able to have a look at those and see the actual changes themselves on page 16 and just review what's selling and what's buying and make sure you are happy with that. And then if you did have any concerns, there also are some links in the appendix to be able to review those investments that we are recommending that are new. And then you'll be able to see what is selling out and what's maintaining out of your current portfolio there as well. And given that S and P 500 still is a key component of that, you'll save on any capital gains that you've got from holding that investment previously. That makes sense? Yep. Obviously, there is a projection there as well, but that's to be taken with a grain of salt. No one knows really what the markets are gonna do, and then the markets aren't gonna replicate. So we use the rolling averages, but in saying that no one's gonna sort of have the markets replicate three years from the same three years or five years from the same five years, it just means that it just based it on a historical data. And then with that, the main thing is that you will be saving on money. You'll have a bit more diversification, and you'll reduce your your manager risk while still maintaining adequate exposure to growth assets to try and get that growth. Now we did also include the needs analysis just to illustrate potential shortfalls in your insurance coverage. Obviously, you're happy with the group cover that you do have in aiming at being somewhat more self insured through your investment and property outside of super, so that's more than fine. It's just something to be aware of. That should anything happen. You do have to sort of potentially bridge some gaps in regards to ongoing costs and living and things like that, either through government assistance programs or potentially having to sell investment properties and things like that. Does that make sense as well? Yeah. Because you do have the group cover in Hunt '24 for five hundred and ninety thousand in death and total permanent disability. But, obviously, if you're off work, unable to work with regards to, like, trying to claim on income protection, things like that, you just don't have that that cover at the moment, which is something to be aware of. And then giving you a statement too on how you'd like to distribute your funds between your your partner and your children, we just recommended doing 50¢ to your partner and 25% to each child. Now you can obviously just pick your partner and just have to leave it a 100¢ to the spouse and then through the will on that, should anything happen, like, leave it to the children and things like that through the setup of that. At the moment, given the kids are 18, your spouse, you just spouse, they're both or all three of them are tax dependent, so they would receive the funds tax free. If a child's over the 18 and no longer financially supported, they may not form a tax dependent, which just means that they may get charged additional taxes there. So when it gets to that stage, it might just be partner and working through your state and things like that in regards to your will to sort of better manage it in future, if that makes sense. Yep. And then with that, establishing a will, just so you do have that in place for you, estate assets versus United States assets being your super, and then setting up a power of attorney in conjunction with that just to ensure if anything did happen to you, whoever your power of attorney is is able to make some financial or health related decisions for you if you're somewhat incapacitated. So that'll make sense in regards to your state planning sort of thing? Yeah. Yep. Yep. That's perfect. And then we can send you out another copy of your hub 24 beneficiary if you'd like. And do you have and do you have access to a printer at all? Yep. Perfect. With that one, whoever you nominate, obviously, can't be a witness signature on that. So if you do nominate your partner, she can't witness it as well. It has to be two people over the age of 18 that are on the beneficiaries. And then from there, I'll email out the CDM information in regards to visiting a solicitor or just getting some general information before going to see a solicitor in regards to setting up a will and a power of attorney with that just so you have the information as well. In addition to that one, your ID is currently expired as well in terms of, like, the one we have on file, so we would have to update that before we implement anything as well for you. So with an ID, so just for, like, AML risk or anti money laundering verifications and things like that and to ensure you're still a real person and alive. We're gonna have a valid ID on file before implementing advice. Yeah. So if you just send in a front back copy, even just respond to the email I send out with the ID photo, whether it's your driver's license or passport, just front and back, and then we can get that all implemented too. In regards to another document that is outstanding, but it isn't in the document pack that says it's just a tax file opt in form as well. They've just updated the form where we store your tax file number. So at some point, they'll probably send that out to you just to be able to sign to where we store your tax file number moving forward as opposed to where we've stored it previously just to be a little bit more compliant and keeping things updated, if that makes sense. Perfect. And then with regards to the fees, you'll still be on the same fee structure with that. And then with based on your current balance, 1.65%, it'll be roughly around $2,400 and $2,472 as an annual fee. But, obviously, that depends on how the markets grow and perform because it is a monthly figure based on the percentage balance at that time across twelve months. So if the markets do well, it obviously goes up a bit if they sort of stay stagnant or go down a little bit in that time frame. It actually charges you a bit less, so it proportionates it a little bit more across the year and how the markets are performing. Perfect. One of the other main sort of risks or disadvantages to sort of pay attention to given the current volatility in the market, though, is with those changes, If the markets were to sort of jump up while you're in cash, there's a potential that you sort of miss out on that little bit of growth. If they go the other way while you're in cash, it's obviously a bit of a benefit. But given how volatile the markets are and how much they're sort of changing day on day, whether it's ups and downs, Just doing that regards to those time it takes to sell down those investments and be reinvested, there is about that two week period where you could be not invested or being cash or waiting for a sell down to where you'd be reinvested. So within that period, if it drops, fantastic. You get a little bit of a a sale. If it goes back up, you bought at a little bit higher of a cost base than what you would sort of be selling at in terms of, like, the market cost. Does that make sense? So that's sort of the main risk to be considering in regards to the change. And then, obviously, with that as well, you wouldn't have those those managed funds. So you wouldn't have the ability to outperform the markets moving forward until such time that gets adjusted and you put those managed funds, like, back in if that's something you wanted in future as well. So it just depends on what level of risk you wanna take. Obviously, the business at the moment, Oakview's, like, investment community is leaning towards the more passive index approach in regards to how well the markets have been performing and then the cost of those investments as opposed to those managed funds. And then with how Bandelon has performed, they are moving away from that investment. Not to say that you can't have managed funds in the future or if you did really want that ability to potentially outperform the markets and have that little bit more risk even with the same allocation to growth. It is something you can have. It's just a a personal investment decision. Obviously, I'm recommending the more passive index approach at a cheaper cost given the current markets. Not so to say that you can't sort of say I want the active management or in future want the active management back to try and outperform the markets again. Yep. Do you have any questions in regards to that, Ren? Yeah. So, obviously, we did consider rebalancing the portfolio and just removing the Benelon. However, based on the historical performance and the recommended portfolio, just having a mixture of those acts assets and having the future diversification with the recommendation. We just lent towards more going that index approach with a bit better diversification and a bit better mix in terms of, like, the investments you hold and the cost you're paying for those. Yep. So if you looked at this and go, actually, I'm happy with my portfolio overall, and I just wanna get rid of the underperforming Benelon and switch it out for, like, the BetaShares Australian 200, which is the comparative sort of option there, you could do that as well and just have the 10% in the Australian 200 and then keep the rest of your investments the same or somewhat jig it a little bit differently because you do have the Raffy Australian 200 currently, which is Australian 200 index list. It's just calculated a little bit differently to the the the beta shares Australian two hundred. So with that, you might have some overlapping there if you were to just do the 10% bet along for the beta shares Australian 200. But that is an option there for you as well if you're happy with how your portfolio is currently doing and don't actually wanna do a full change. Yeah. So, obviously, we're recommending, like, a a full update of the portfolio, which will mean a bit more of a significant change. And that also means that with how Benelon has performed, it would offset the the loss that did occur, some of the the capital gains when switching up the portfolio now. But as I said, if you did review it and sort of still wanna keep your ClearBridge active management and then keep the rest of your portfolio with how it has been performing over the last few years, and then just switching out the bet along, that's an option for you as well. But yeah. Yeah. But the recommendation, obviously, is to change the portfolio a little bit more significantly, and you can see that on page 16, the recommendations. But make sure, you know, have a read through it, see if you are happy with that change. And then if not, you can sort of let us know because at the moment too, you do have some exposure to, like, food. You also have a bit of exposure there in that actively managed portion as I was saying. And then you've got that Rafi Australian 200, which is calculated and settled a bit differently to the beta shares Australian 200 in terms of, like, the top 200 companies in Australia and how they'll pick those in regards to the metrics they use to pick those top 200. Yeah. So, obviously, you can see your current portfolio on the left in regards to the current weightings you currently have. And then on the right hand side, you'll be able to see the buyers and sales to get to the portfolio that we are recommending. But if you aren't happy with that, you can just let us know. We can sort of work with you to to make some changes. Or if you did decide that I want the active management from high cost to potentially outperform the market, we can sort of work with that as well to try and do that. But, obviously, the recommendation is to go a bit more passive index at a lower cost to aim for some savings in terms of the investment cost and aim for those high performed performance over the the long term through the indexed investments? Yep. Do you have any questions in regards to that, Ryan? Yeah. A lot of information coming at you. So, obviously, take your time. I don't wanna take up all of your afternoon there, but take your time. Have a read through it. As I said, the main switch page is on that page 16 if you'd be able to see the changes. And then in the appendix, you'll be able to see the recommended investment list. So you'll still have the main core of your portfolio. It's the sort of outside, satellites that will be changing majority. And in regards to not having those managed funds is like a key change as well. So, yeah, at the at the moment, like, that is the the recommended change. But if you're not happy with the recommended change, then we can look to maybe do something else and keep the active management. But at the moment, we are getting rid of Bandalong. We're getting rid of the ClearBridge rare infrastructure, which are both your managed funds, and then some changes to your other underlying satellite to adjust that for what we believe, like, the markets will be doing sort of in the next five to seven years. Yeah. Yeah. Phone call is probably a bit easier than a email, Trevor. But if you respond to my email that I send out and you go, I'm actually not I want some changes in regards to what you did recommend, we can sort of have another phone call and see what you'd rather have and what you don't like about what my recommendation was. But if you are happy with the recommendation of that portfolio, then you can obviously just sign the document, and then we'll get that implemented for you after the ID is received. But, otherwise, I'll leave you in your hands to be able to have a read through and see if you're happy with it or not. Not a problem. Obviously, it goes a bit too late. I'll probably won't be at work this afternoon, but choose an email there as well, and we can get you booked back in a time to to discuss any concerns you might have. Not a problem at all, Rhen. Obviously, yeah, quite straightforward in the sense that it is the mainly the investment update, retaining everything else, and then setting up your beneficiaries' wills and power of attorney. But as I said, I'm gonna read through the risk advantages, disadvantages, and see how you feel about it. And if you wanna have further discussion, happy days. If you're happy with the recommendation, yeah, you can go ahead and sign, and then it would just get implemented once the all the requirements are are done. But otherwise, I'll let you get back to you after noon. They're gonna not wanna take up all of it, and then I'm sure we'll be talking in the next sort of week or so. Not a problem. Enjoy the rest of your afternoon, man. Thanks for your time. Yeah. Thanks. 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afternoon, Ryan. It's Carl calling from Micro Financial. How are you today? Yeah. Not too bad at all.\n\nI just got you in for that presentation this afternoon. Yep. Now's still a good time for you? Okay. Not a problem.\n\nJust to jump into that one today there, Brandon, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that. Perfect. Now I know when booking in, you did speak to my colleague, and you did adjust some of your asset values and your debt values. One of those was sort of quite significant. Is that just because when we felt like I had a conversation end of last year, you hadn't really evaluated your homes, and then also you weren't a 100% sure on your actual levels?\n\nOkay. Not a problem. And the amount that came off that debt value, was that due to anything, or is that just the fact that you might have just sort of disclosed the higher amount when we last spoke? The mortgage on your primary residence there? Oh, okay.\n\nNot a problem. Because we had it 700 and then, yeah, and then you stated 600, so it was just changed there. Yeah. Not a problem. I just thought that like, you maybe got some sort of inheritance or something like that, but I'll make a a copy here.\n\nThe the SOA does state 600 there just given what you did disclose in the update there. I'll change it back to the $6.80. That's fine. If you did want an updated copy with that 1 figure change, that's more than fine as well. But in regards to the document there, Wren, I'll just be sending that out to your email at wren van I have bandaddress@gmail.com.\n\nIs that still your correct email? Perfect. Now in regards to this one, you'll have your statement of advice, the appendix to it, the Okta services guide and financial services guide. And then there's the PDFs in regards to your super product and then the Vanguard index chart. Now I'm sort of aware of your time there as well because I know you do get quite busy.\n\nDid you want me to just go through, like, a quick run through for you, Renan? Come you can come back with any questions you might have in regards to the document or otherwise, we can, like, take our time and run through it a little bit more in-depth with you here today if you want to. Okay. Not a problem at all. So in regards to that one, obviously, once that comes through your email, but, obviously, it's an advice piece prepared for yourself by myself and the team there as an authorized representative under OP Financial.\n\nObviously, in regards to investments, we do it in regards to best interest you're trying to put you in a better position than where you're currently at. And with this advice piece, I know it is quite simple in the terms that you were pretty happy with how things were going. We're just doing a review basically in regards to your investments just due to the Benelon and just doing a a total look. And we also did include some estate planning matters just given that you still don't have those in place in regards to your hub 24 beneficiary form there or the the wills and estate planning sort of side of things. Yeah.\n\nObviously, with that, given that you have, like, sort of a few assets there plus your couple of children and your your partner, it's important to have those sort of things in place in case anything did happen. In addition to that one, we did put limited scope in for your group cover because, obviously, you didn't wanna sort of look at changing that. We just put it limitedly in to illustrate the cost that it's currently costing impact that can have on super. As far as debt and property, you are happy managing these things yourself in regards to paying them down and the debts that are managing the property and looking at potentially another investment property. Obviously, you have access to the people here as far as mortgage brokers are concerned and then also some trusted partners that we can refer you on to as far as mortgage brokers outside of OQ Financial as well.\n\nNow in regards to budgeting savings, obviously, you're happy managing that yourself in regards to doing your your renovations and enjoying some family time with holidays and have you. We can also send out the budget planner if you ever did want that just for you to manage your own sort of cash flow and budgeting day to day for your debts and holiday and things like that as well. Yep. I can pass your details along to one of the Oaktree, like, trusted partners, a mortgage broker, just with your general details and what you're trying to do and potentially looking at refinancing or looking at potentially, like, another investment property if that's what you're after. Not a problem.\n\nDid you want me to make that email introduction for you so they can give you a phone call and then have a discussion with you? Not a problem. Obviously, there's a couple here we work with. So if you're not happy with the one we refer you on to, we can always pass you along to a different one as well. Is there a time that sort of better suits you?\n\nObviously, I know you're in WA, so it's a bit of a a stretch there, but is it sort of more afternoons that work better? I'll just sort of put lighters. Okay. Not a problem. In regards to that document there too, I'd say quite straightforward.\n\nWe're just looking at retaining that hub twenty four, looking at change those underlying investments. We're recommending, obviously, you set up your beneficiary nominations, establish a will, and a power of attorney. I can also send through some information there for some local solicitor here, just their general wills and estates information booklet as well. And same thing goes, you can sort of utilize their service. They are a separate service or you can sort of find someone local to you, but at least it's a nice bit of information to have.\n\nPerfect. Obviously, on page nine there, you will see that it is slightly if you the the mortgage details in regards to that primary residence, it does state 600 as you just said as $6.80. And then the page before that, you'll see just your general details. And then the page after that, you'll be able to see your insurances and your current superannuation fund and what you hold in terms of the value as of the date of the advice document. Then in regards to risk profile there, Ren, you score the growth.\n\nWe're still recommending you stay in the growth. The main difference in regards to recommendation versus what you've currently got. So you do have some active portions inside your current portions inside your current superannuation. Now one of those has been along, which hasn't performed great at all, and another one is ClearBridge rare infrastructure. Now that managed fund has performed quite well over the time since you've had it, but the recommended update in the way that sort of Ophi is going at the moment in terms of investment direction, they are looking at doing a lower cost, passive approach in returns to an index investment sort of split with the core and satellite as opposed to having some of those managed funds.\n\nNow the benefit of that is, obviously, it comes at a lower cost that reduces some volatility and it, like, eliminates that manager risk of having, like, what happened with Benelon. The the difference with that, though, is you don't have the potential to outperform the market. So with those managed funds, if the fund managers do their job and do well, the additional cost you pay, they have the ability to potentially outperform the markets by picking and choosing the investments they hold, Whereas those indexes just track the market indexes in whatever sort of region or industry that they're sort of based in. And then you're just tracking a certain amount of companies within that. And as they sort of rise and fall, it's dynamic in the sense that they'd update.\n\nBut in saying that, you won't be picking and choosing, like, the winners anymore to try and do better than what the market is doing, if that makes sense. Yeah. And they're your two managed funds, and at at the moment, it sort of, like, cancels out in regards to, like, obviously, one doing well and one doing poorly. But saying that Bedelon has done a lot worse than what the ClearBridge has done good over that twelve month period. So you're still down in terms of, like, your managed funds as opposed to, like, your index investment so far actually doing quite well.\n\nNow not to say that your super has done poorly in terms of, like, since you've been onboard, it's actually done quite well. Obviously, with the market correction with the Iran war and then with what happened with Bennelong, it's obviously taken a bit of a dive. The Bennelong one somewhat could have been avoided based because it was underlying investment issue at the end of last year that caused their initial dip, and then that was a further, like, exacerbated by the the war and causing all the markets to take a bit of a dive. You still did 5% off the fees for the the last twelve months, which obviously isn't fantastic with everything going on. It's sort of expected to have a little bit of a lull year, but it could have been a bit better if you didn't have that 10% sort of in that Ben Long managed fund, if that makes sense.\n\nYes. So you still hold. Let me just see how much it's actually sitting at the moment. Gold at the moment, given how much it's sort of gone up, it's done around 35.5% over the last twelve months with that one. And then with the update, you'll still hold gold, and it will still be an active portion.\n\nLike, well, a portion of your portfolio will correct a little bit. They'll sell down a bit because with how well it's done, it jumped out to about 20% of your portfolio. And then with that, it'll come back to to about 10 with the rebalance. And then you'll have some bank hybrids, which is your defensive portion. They are getting phased out.\n\nSo in the future, that won't be in your portfolio, but that's still a defensive portion. You'll have an allocation to cybersecurity, and then the key holdings will be the S and P five hundred, which will be around 30%. And then you'll also have the BetaShares Australia two hundred, which is sort of the replacement for Benelon in the Australian market, and that'll be 20%. And then you'll have a few other satellites with Europe, Japan, and then a Vanguard all with excluding US investment. Pardon me.\n\nAnd that'll be sort of from 5% just to have you some exposure in some different geographical locations outside those key holdings that you do hold. Now, obviously, with how sort of things are, you will get a guarantee that you will be saving money with that investment change. And then with that, that'll obviously go to be out of being reinvested. Historically, over the past, like, three year rolling averages, it has performed better with the index funds, as opposed to, obviously, Chris having that been along and how well it's done, it sort of hindered your growth a little bit. And not to say, as I said, that it's performed horrendously since your time on board.\n\nBut given the last twelve months, the investment committee is moving away from that. And then with that with the update to save on cost and then also smooth out some volatility for some longer term growth with how well the markets have been doing over that three to five year period, The indexes have been performing quite well. And then hopefully, like, moving forward, they'll continue to have that steady growth, and you won't have to take on as much managed risk as you do currently and still have the same, like, allocation to to growth assets, if not just slightly more with less sort of risk in regards to those picking and choosing of those winners, if that makes sense. Pardon? So in regards to that, you'll still have, like, an eighty twenty split into sort of growth assets to defensive assets.\n\nYou just won't carry the manager risk of those managed funds if you were to take on the update. Now the alternative, if you did still wanna maintain level of active management, you could, like, keep the the ClearBridge or you could sort of have an actively managed fund. But with that, you carry that manager risk still, and it comes at a higher investment cost. And there is still the potential that much like sort of Ben Lung has, like, a bad year where they pick and choose a wrong investment and have quite a significant drop. And then with that, you're sort of waiting on those good years to to come back, whereas the index is it does what the markets are doing and attracts the markets.\n\nNow, obviously, with what's going on at the moment, the markets aren't doing term fantastic, but neither are the managed funds. And then with that, if the market's doing well and you're getting growth in the economy, then those indexes track quite nicely. And the S and P 500, if you look at sort of, you know, $10,000 invested back way back when versus, like, sort of those managed funds. The indexes tend to, over the long term, provide better sort of returns and more consistent returns through those goods as well as opposed to taking on the more managed risk of someone trying to pick and choose what is happening through that time frame. Do you have any questions regarding that at all, Ryan?\n\nYeah. As I said, obviously, in the past three months there since the the war and everything kicked off, it's not doing too fantastic. And likely, it'll sort of still be quite stagnant until that sort of resolved in terms of, like, your time tool for retirement. It is a little bit of a blip on the radar, so I'm not too sure how much you paid attention with, like, the tariff talk and how that affected your super originally, but it took quite a dive at the start of the year. And then it recovered nicely from that, and then, obviously, this is a bit of a just a double whammy.\n\nBut since you've been on board after fees, you've done around 22.6. And then with that, it's sort of grown nicely in that period as well with how much you've put in, obviously, in regards to the growth that you're getting out of it as well. Because I believe yep. It's around a $132,464. Yeah.\n\nBut I so if I go just down to, like, a dollar figure around sort of let's just double check. In gen January 2025 or February 2025 is around 113,000. And that's, like, obviously contributions and growth. It was up around the $1.40 mark before, obviously, the Benelong and then the wall kicking off, and then it's just taking a bit of a a correction. Yeah.\n\nAnd I believe, like, when you came on board, your balance was around, like, the 77 sort of mark, so it's been pretty steady, consistent sort of growth. Yeah. And then although, like, it could have been a bit better, like, it is, like, in the expected range, it was, like, annualized figure as well. I think it's around a bit over sort of 7% around that sort of just under 8% of, like, an annualized figure even with the dip that has occurred, and it would be a bit higher if that didn't occur, and that's after fees as well, not like a before fee thing. And then with that, like, obviously, moving forward, the investment fee would drop.\n\nSo it would mean you'd have more money going into investments and the returns and getting that returns. I think it's around $426 you'd be saving in investment cost by not having those managed funds and not taking the gamble and just sort of tracking what the market indexes are doing. It's not to say you can't revisit it in the future as well and potentially add some form of active portion back. But at the moment, with the way things are being quite volatile and trying to pick those winners, being an index is a bit of a safer option. And then going forward, you are saving money with that as well while having a nice group of diversification in your portfolio.\n\nYep. Perfect. So, yeah, within regards to that one, but moving more to a more diversified portfolio, you get a nice market exposure. And then from there, you will have a a bit lower volatility through that diversification and the lack of manager risk, and then you'll still maintain, obviously, the transparency in your suit for being able to monitor your investments as opposed to being in, like, a a separately managed account and things like that as well. So you'll be able to see how things are doing individually.\n\nAnd if you ever did see something that you're a bit worried about, you can always give us a call and address it as well. Obviously, over the next three to six months, it might not be doing too fantastic even with the the change, and that's purely because, like, the markets themselves aren't doing too fantastic. Yep. And, yeah, obviously, with that, you'll still maintain the group insurances having hub and not changing platforms either. You'll have the benefit of not having to pay full CGT.\n\nThe sell downs will just be on the the assets that are changing, and you will be able to have a look at those and see the actual changes themselves on page 16 and just review what's selling and what's buying and make sure you are happy with that. And then if you did have any concerns, there also are some links in the appendix to be able to review those investments that we are recommending that are new. And then you'll be able to see what is selling out and what's maintaining out of your current portfolio there as well. And given that S and P 500 still is a key component of that, you'll save on any capital gains that you've got from holding that investment previously. That makes sense?\n\nYep. Obviously, there is a projection there as well, but that's to be taken with a grain of salt. No one knows really what the markets are gonna do, and then the markets aren't gonna replicate. So we use the rolling averages, but in saying that no one's gonna sort of have the markets replicate three years from the same three years or five years from the same five years, it just means that it just based it on a historical data. And then with that, the main thing is that you will be saving on money.\n\nYou'll have a bit more diversification, and you'll reduce your your manager risk while still maintaining adequate exposure to growth assets to try and get that growth. Now we did also include the needs analysis just to illustrate potential shortfalls in your insurance coverage. Obviously, you're happy with the group cover that you do have in aiming at being somewhat more self insured through your investment and property outside of super, so that's more than fine. It's just something to be aware of. That should anything happen.\n\nYou do have to sort of potentially bridge some gaps in regards to ongoing costs and living and things like that, either through government assistance programs or potentially having to sell investment properties and things like that. Does that make sense as well? Yeah. Because you do have the group cover in Hunt '24 for five hundred and ninety thousand in death and total permanent disability. But, obviously, if you're off work, unable to work with regards to, like, trying to claim on income protection, things like that, you just don't have that that cover at the moment, which is something to be aware of.\n\nAnd then giving you a statement too on how you'd like to distribute your funds between your your partner and your children, we just recommended doing 50¢ to your partner and 25% to each child. Now you can obviously just pick your partner and just have to leave it a 100¢ to the spouse and then through the will on that, should anything happen, like, leave it to the children and things like that through the setup of that. At the moment, given the kids are 18, your spouse, you just spouse, they're both or all three of them are tax dependent, so they would receive the funds tax free. If a child's over the 18 and no longer financially supported, they may not form a tax dependent, which just means that they may get charged additional taxes there. So when it gets to that stage, it might just be partner and working through your state and things like that in regards to your will to sort of better manage it in future, if that makes sense.\n\nYep. And then with that, establishing a will, just so you do have that in place for you, estate assets versus United States assets being your super, and then setting up a power of attorney in conjunction with that just to ensure if anything did happen to you, whoever your power of attorney is is able to make some financial or health related decisions for you if you're somewhat incapacitated. So that'll make sense in regards to your state planning sort of thing? Yeah. Yep.\n\nYep. That's perfect. And then we can send you out another copy of your hub 24 beneficiary if you'd like. And do you have and do you have access to a printer at all? Yep.\n\nPerfect. With that one, whoever you nominate, obviously, can't be a witness signature on that. So if you do nominate your partner, she can't witness it as well. It has to be two people over the age of 18 that are on the beneficiaries. And then from there, I'll email out the CDM information in regards to visiting a solicitor or just getting some general information before going to see a solicitor in regards to setting up a will and a power of attorney with that just so you have the information as well.\n\nIn addition to that one, your ID is currently expired as well in terms of, like, the one we have on file, so we would have to update that before we implement anything as well for you. So with an ID, so just for, like, AML risk or anti money laundering verifications and things like that and to ensure you're still a real person and alive. We're gonna have a valid ID on file before implementing advice. Yeah. So if you just send in a front back copy, even just respond to the email I send out with the ID photo, whether it's your driver's license or passport, just front and back, and then we can get that all implemented too.\n\nIn regards to another document that is outstanding, but it isn't in the document pack that says it's just a tax file opt in form as well. They've just updated the form where we store your tax file number. So at some point, they'll probably send that out to you just to be able to sign to where we store your tax file number moving forward as opposed to where we've stored it previously just to be a little bit more compliant and keeping things updated, if that makes sense. Perfect. And then with regards to the fees, you'll still be on the same fee structure with that.\n\nAnd then with based on your current balance, 1.65%, it'll be roughly around $2,400 and $2,472 as an annual fee. But, obviously, that depends on how the markets grow and perform because it is a monthly figure based on the percentage balance at that time across twelve months. So if the markets do well, it obviously goes up a bit if they sort of stay stagnant or go down a little bit in that time frame. It actually charges you a bit less, so it proportionates it a little bit more across the year and how the markets are performing. Perfect.\n\nOne of the other main sort of risks or disadvantages to sort of pay attention to given the current volatility in the market, though, is with those changes, If the markets were to sort of jump up while you're in cash, there's a potential that you sort of miss out on that little bit of growth. If they go the other way while you're in cash, it's obviously a bit of a benefit. But given how volatile the markets are and how much they're sort of changing day on day, whether it's ups and downs, Just doing that regards to those time it takes to sell down those investments and be reinvested, there is about that two week period where you could be not invested or being cash or waiting for a sell down to where you'd be reinvested. So within that period, if it drops, fantastic. You get a little bit of a a sale.\n\nIf it goes back up, you bought at a little bit higher of a cost base than what you would sort of be selling at in terms of, like, the market cost. Does that make sense? So that's sort of the main risk to be considering in regards to the change. And then, obviously, with that as well, you wouldn't have those those managed funds. So you wouldn't have the ability to outperform the markets moving forward until such time that gets adjusted and you put those managed funds, like, back in if that's something you wanted in future as well.\n\nSo it just depends on what level of risk you wanna take. Obviously, the business at the moment, Oakview's, like, investment community is leaning towards the more passive index approach in regards to how well the markets have been performing and then the cost of those investments as opposed to those managed funds. And then with how Bandelon has performed, they are moving away from that investment. Not to say that you can't have managed funds in the future or if you did really want that ability to potentially outperform the markets and have that little bit more risk even with the same allocation to growth. It is something you can have.\n\nIt's just a a personal investment decision. Obviously, I'm recommending the more passive index approach at a cheaper cost given the current markets. Not so to say that you can't sort of say I want the active management or in future want the active management back to try and outperform the markets again. Yep. Do you have any questions in regards to that, Ren?\n\nYeah. So, obviously, we did consider rebalancing the portfolio and just removing the Benelon. However, based on the historical performance and the recommended portfolio, just having a mixture of those acts assets and having the future diversification with the recommendation. We just lent towards more going that index approach with a bit better diversification and a bit better mix in terms of, like, the investments you hold and the cost you're paying for those. Yep.\n\nSo if you looked at this and go, actually, I'm happy with my portfolio overall, and I just wanna get rid of the underperforming Benelon and switch it out for, like, the BetaShares Australian 200, which is the comparative sort of option there, you could do that as well and just have the 10% in the Australian 200 and then keep the rest of your investments the same or somewhat jig it a little bit differently because you do have the Raffy Australian 200 currently, which is Australian 200 index list. It's just calculated a little bit differently to the the the beta shares Australian two hundred. So with that, you might have some overlapping there if you were to just do the 10% bet along for the beta shares Australian 200. But that is an option there for you as well if you're happy with how your portfolio is currently doing and don't actually wanna do a full change. Yeah.\n\nSo, obviously, we're recommending, like, a a full update of the portfolio, which will mean a bit more of a significant change. And that also means that with how Benelon has performed, it would offset the the loss that did occur, some of the the capital gains when switching up the portfolio now. But as I said, if you did review it and sort of still wanna keep your ClearBridge active management and then keep the rest of your portfolio with how it has been performing over the last few years, and then just switching out the bet along, that's an option for you as well. But yeah. Yeah.\n\nBut the recommendation, obviously, is to change the portfolio a little bit more significantly, and you can see that on page 16, the recommendations. But make sure, you know, have a read through it, see if you are happy with that change. And then if not, you can sort of let us know because at the moment too, you do have some exposure to, like, food. You also have a bit of exposure there in that actively managed portion as I was saying. And then you've got that Rafi Australian 200, which is calculated and settled a bit differently to the beta shares Australian 200 in terms of, like, the top 200 companies in Australia and how they'll pick those in regards to the metrics they use to pick those top 200.\n\nYeah. So, obviously, you can see your current portfolio on the left in regards to the current weightings you currently have. And then on the right hand side, you'll be able to see the buyers and sales to get to the portfolio that we are recommending. But if you aren't happy with that, you can just let us know. We can sort of work with you to to make some changes.\n\nOr if you did decide that I want the active management from high cost to potentially outperform the market, we can sort of work with that as well to try and do that. But, obviously, the recommendation is to go a bit more passive index at a lower cost to aim for some savings in terms of the investment cost and aim for those high performed performance over the the long term through the indexed investments? Yep. Do you have any questions in regards to that, Ryan? Yeah.\n\nA lot of information coming at you. So, obviously, take your time. I don't wanna take up all of your afternoon there, but take your time. Have a read through it. As I said, the main switch page is on that page 16 if you'd be able to see the changes.\n\nAnd then in the appendix, you'll be able to see the recommended investment list. So you'll still have the main core of your portfolio. It's the sort of outside, satellites that will be changing majority. And in regards to not having those managed funds is like a key change as well. So, yeah, at the at the moment, like, that is the the recommended change.\n\nBut if you're not happy with the recommended change, then we can look to maybe do something else and keep the active management. But at the moment, we are getting rid of Bandalong. We're getting rid of the ClearBridge rare infrastructure, which are both your managed funds, and then some changes to your other underlying satellite to adjust that for what we believe, like, the markets will be doing sort of in the next five to seven years. Yeah. Yeah.\n\nPhone call is probably a bit easier than a email, Trevor. But if you respond to my email that I send out and you go, I'm actually not I want some changes in regards to what you did recommend, we can sort of have another phone call and see what you'd rather have and what you don't like about what my recommendation was. But if you are happy with the recommendation of that portfolio, then you can obviously just sign the document, and then we'll get that implemented for you after the ID is received. But, otherwise, I'll leave you in your hands to be able to have a read through and see if you're happy with it or not. Not a problem.\n\nObviously, it goes a bit too late. I'll probably won't be at work this afternoon, but choose an email there as well, and we can get you booked back in a time to to discuss any concerns you might have. Not a problem at all, Rhen. Obviously, yeah, quite straightforward in the sense that it is the mainly the investment update, retaining everything else, and then setting up your beneficiaries' wills and power of attorney. But as I said, I'm gonna read through the risk advantages, disadvantages, and see how you feel about it.\n\nAnd if you wanna have further discussion, happy days. If you're happy with the recommendation, yeah, you can go ahead and sign, and then it would just get implemented once the all the requirements are are done. But otherwise, I'll let you get back to you after noon. They're gonna not wanna take up all of it, and then I'm sure we'll be talking in the next sort of week or so. Not a problem.\n\nEnjoy the rest of your afternoon, man. Thanks for your time. Yeah. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Ryan.","start":3.04,"end":3.84,"sentiment":"positive","sentiment_score":0.44522621234258014},{"text":"It's Carl calling from Micro Financial.","start":3.84,"end":5.44,"sentiment":"neutral","sentiment_score":0.3104451596736908},{"text":"How are you today?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.33213573694229126},{"text":"Yeah.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.2542898654937744},{"text":"Not too bad at all.","start":8.48,"end":9.28,"sentiment":"neutral","sentiment_score":0.3221285045146942}],"sentiment":"positive","sentiment_score":0.3364118384687524,"num_words":19,"start":3.04,"end":9.28},{"sentences":[{"text":"I just got you in for that presentation this afternoon.","start":9.28,"end":11.54,"sentiment":"positive","sentiment_score":0.374714994430542},{"text":"Yep.","start":14.415,"end":14.735001,"sentiment":"neutral","sentiment_score":0.30692431330680847},{"text":"Now's still a good time for you?","start":14.735001,"end":16.275002,"sentiment":"positive","sentiment_score":0.44389372212546213},{"text":"Okay.","start":18.335,"end":18.655,"sentiment":"neutral","sentiment_score":0.16731341183185575},{"text":"Not a problem.","start":18.655,"end":19.395,"sentiment":"neutral","sentiment_score":0.25905275344848633}],"sentiment":"positive","sentiment_score":0.36844554475762625,"num_words":22,"start":9.28,"end":19.395},{"sentences":[{"text":"Just to jump into that one today there, Brandon, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that.","start":19.695,"end":25.62,"sentiment":"neutral","sentiment_score":0.17109060054644942},{"text":"Perfect.","start":34.18,"end":34.68,"sentiment":"positive","sentiment_score":0.6030051708221436},{"text":"Now I know when booking in, you did speak to my colleague, and you did adjust some of your asset values and your debt values.","start":34.82,"end":41.565002,"sentiment":"neutral","sentiment_score":0.024636140167713164},{"text":"One of those was sort of quite significant.","start":42.345,"end":44.745003,"sentiment":"neutral","sentiment_score":-0.14857652690261602},{"text":"Is that just because when we felt like I had a conversation end of last year, you hadn't really evaluated your homes, and then also you weren't a 100% sure on your actual levels?","start":44.745003,"end":54.205,"sentiment":"neutral","sentiment_score":-0.10239745413555819}],"sentiment":"neutral","sentiment_score":0.020236822366714476,"num_words":100,"start":19.695,"end":54.205},{"sentences":[{"text":"Okay.","start":64.27,"end":64.59,"sentiment":"neutral","sentiment_score":0.03563934564590454},{"text":"Not a problem.","start":64.59,"end":65.149994,"sentiment":"neutral","sentiment_score":0.05644902586936951},{"text":"And the amount that came off that debt value, was that due to anything, or is that just the fact that you might have just sort of disclosed the higher amount when we last spoke?","start":65.149994,"end":75.915,"sentiment":"neutral","sentiment_score":-0.009056000943694796},{"text":"The mortgage on your primary residence there?","start":79.655,"end":81.995,"sentiment":"neutral","sentiment_score":-0.03154734814805644},{"text":"Oh, okay.","start":92.72,"end":93.28,"sentiment":"neutral","sentiment_score":0.02072340715676546}],"sentiment":"neutral","sentiment_score":-0.006069963177045186,"num_words":48,"start":64.27,"end":93.28},{"sentences":[{"text":"Not a problem.","start":93.28,"end":93.92,"sentiment":"neutral","sentiment_score":0.02300442506869634},{"text":"Because we had it 700 and then, yeah, and then you stated 600, so it was just changed there.","start":93.92,"end":99.415,"sentiment":"neutral","sentiment_score":-0.02323077991604805},{"text":"Yeah.","start":104.835,"end":105.315,"sentiment":"neutral","sentiment_score":0.028450004756450653},{"text":"Not a problem.","start":105.315,"end":106.195,"sentiment":"neutral","sentiment_score":0.034453788151343666},{"text":"I just thought that like, you maybe got some sort of inheritance or something like that, but I'll make a a copy here.","start":106.195,"end":113.060005,"sentiment":"neutral","sentiment_score":-0.0040990742652312565}],"sentiment":"neutral","sentiment_score":-0.006833446573237984,"num_words":49,"start":93.28,"end":113.060005},{"sentences":[{"text":"The the SOA does state 600 there just given what you did disclose in the update there.","start":113.060005,"end":119.86,"sentiment":"neutral","sentiment_score":-0.007080166929346674},{"text":"I'll change it back to the $6.80.","start":119.86,"end":121.54,"sentiment":"neutral","sentiment_score":-0.042782030201384},{"text":"That's fine.","start":121.54,"end":122.28,"sentiment":"neutral","sentiment_score":0.08017951203510165},{"text":"If you did want an updated copy with that 1 figure change, that's more than fine as well.","start":122.42,"end":126.455,"sentiment":"neutral","sentiment_score":0.332111736966504},{"text":"But in regards to the document there, Wren, I'll just be sending that out to your email at wren van I have bandaddress@gmail.com.","start":128.115,"end":136.195,"sentiment":"neutral","sentiment_score":0.07691632745706517}],"sentiment":"neutral","sentiment_score":0.1117553548025551,"num_words":67,"start":113.060005,"end":136.195},{"sentences":[{"text":"Is that still your correct email?","start":136.195,"end":137.61,"sentiment":"neutral","sentiment_score":0.0515628724048535},{"text":"Perfect.","start":139.53,"end":140.03,"sentiment":"positive","sentiment_score":0.6960573196411133},{"text":"Now in regards to this one, you'll have your statement of advice, the appendix to it, the Okta services guide and financial services guide.","start":140.25,"end":147.15,"sentiment":"neutral","sentiment_score":0.2265737553437551},{"text":"And then there's the PDFs in regards to your super product and then the Vanguard index chart.","start":147.53,"end":152.41,"sentiment":"neutral","sentiment_score":0.14640681620906382},{"text":"Now I'm sort of aware of your time there as well because I know you do get quite busy.","start":152.41,"end":158.785,"sentiment":"neutral","sentiment_score":0.030128599193535353}],"sentiment":"neutral","sentiment_score":0.14185916332166587,"num_words":67,"start":136.195,"end":158.785},{"sentences":[{"text":"Did you want me to just go through, like, a quick run through for you, Renan?","start":158.785,"end":162.065,"sentiment":"neutral","sentiment_score":0.11125226272270083},{"text":"Come you can come back with any questions you might have in regards to the document or otherwise, we can, like, take our time and run through it a little bit more in-depth with you here today if you want to.","start":162.065,"end":175.61,"sentiment":"neutral","sentiment_score":0.08698119477527898},{"text":"Okay.","start":179.665,"end":180.065,"sentiment":"neutral","sentiment_score":0.10651225596666336},{"text":"Not a problem at all.","start":180.065,"end":181.365,"sentiment":"neutral","sentiment_score":0.23122564554214478},{"text":"So in regards to that one, obviously, once that comes through your email, but, obviously, it's an advice piece prepared for yourself by myself and the team there as an authorized representative under OP Financial.","start":181.58499,"end":191.3,"sentiment":"neutral","sentiment_score":0.15124362600701197}],"sentiment":"neutral","sentiment_score":0.12145339370686181,"num_words":98,"start":158.785,"end":191.3},{"sentences":[{"text":"Obviously, in regards to investments, we do it in regards to best interest you're trying to put you in a better position than where you're currently at.","start":191.68,"end":197.38,"sentiment":"neutral","sentiment_score":0.22299758924378288},{"text":"And with this advice piece, I know it is quite simple in the terms that you were pretty happy with how things were going.","start":197.84,"end":204.0,"sentiment":"positive","sentiment_score":0.49922623485326767},{"text":"We're just doing a review basically in regards to your investments just due to the Benelon and just doing a a total look.","start":204.0,"end":210.95499,"sentiment":"neutral","sentiment_score":0.26641472655793896},{"text":"And we also did include some estate planning matters just given that you still don't have those in place in regards to your hub 24 beneficiary form there or the the wills and estate planning sort of side of things.","start":211.575,"end":222.66,"sentiment":"neutral","sentiment_score":0.11731506306678056},{"text":"Yeah.","start":226.72,"end":227.22,"sentiment":"neutral","sentiment_score":0.03845975175499916}],"sentiment":"neutral","sentiment_score":0.25096491766364676,"num_words":115,"start":191.68,"end":227.22},{"sentences":[{"text":"Obviously, with that, given that you have, like, sort of a few assets there plus your couple of children and your your partner, it's important to have those sort of things in place in case anything did happen.","start":228.16,"end":239.065,"sentiment":"neutral","sentiment_score":0.11202068224941429},{"text":"In addition to that one, we did put limited scope in for your group cover because, obviously, you didn't wanna sort of look at changing that.","start":240.08499,"end":246.08499,"sentiment":"neutral","sentiment_score":-0.22806633693667558},{"text":"We just put it limitedly in to illustrate the cost that it's currently costing impact that can have on super.","start":246.08499,"end":252.32,"sentiment":"neutral","sentiment_score":-0.23159243538975716},{"text":"As far as debt and property, you are happy managing these things yourself in regards to paying them down and the debts that are managing the property and looking at potentially another investment property.","start":252.94,"end":263.66,"sentiment":"neutral","sentiment_score":0.2507972592378364},{"text":"Obviously, you have access to the people here as far as mortgage brokers are concerned and then also some trusted partners that we can refer you on to as far as mortgage brokers outside of OQ Financial as well.","start":263.66,"end":274.855,"sentiment":"neutral","sentiment_score":0.13880812443601778}],"sentiment":"neutral","sentiment_score":0.048635898881657105,"num_words":157,"start":228.16,"end":274.855},{"sentences":[{"text":"Now in regards to budgeting savings, obviously, you're happy managing that yourself in regards to doing your your renovations and enjoying some family time with holidays and have you.","start":276.915,"end":286.44998,"sentiment":"positive","sentiment_score":0.5603794630231529},{"text":"We can also send out the budget planner if you ever did want that just for you to manage your own sort of cash flow and budgeting day to day for your debts and holiday and things like that as well.","start":286.44998,"end":295.765,"sentiment":"positive","sentiment_score":0.3452921600603476},{"text":"Yep.","start":311.19998,"end":311.68,"sentiment":"neutral","sentiment_score":0.1609496772289276},{"text":"I can pass your details along to one of the Oaktree, like, trusted partners, a mortgage broker, just with your general details and what you're trying to do and potentially looking at refinancing or looking at potentially, like, another investment property if that's what you're after.","start":311.68,"end":325.635,"sentiment":"neutral","sentiment_score":0.13283225092227044},{"text":"Not a problem.","start":337.15,"end":337.97,"sentiment":"neutral","sentiment_score":0.1971207062403361}],"sentiment":"neutral","sentiment_score":0.31058815273766716,"num_words":120,"start":276.915,"end":337.97},{"sentences":[{"text":"Did you want me to make that email introduction for you so they can give you a phone call and then have a discussion with you?","start":338.43,"end":343.845,"sentiment":"neutral","sentiment_score":0.21508556948258326},{"text":"Not a problem.","start":346.565,"end":347.385,"sentiment":"neutral","sentiment_score":0.20820772647857666},{"text":"Obviously, there's a couple here we work with.","start":347.445,"end":349.125,"sentiment":"neutral","sentiment_score":0.02859154174802825},{"text":"So if you're not happy with the one we refer you on to, we can always pass you along to a different one as well.","start":349.125,"end":354.665,"sentiment":"neutral","sentiment_score":-0.05196686789393425},{"text":"Is there a time that sort of better suits you?","start":354.725,"end":356.565,"sentiment":"neutral","sentiment_score":0.037964335456490514}],"sentiment":"neutral","sentiment_score":0.07675072190532875,"num_words":72,"start":338.43,"end":356.565},{"sentences":[{"text":"Obviously, I know you're in WA, so it's a bit of a a stretch there, but is it sort of more afternoons that work better?","start":356.565,"end":362.28,"sentiment":"neutral","sentiment_score":-0.031952169339056126},{"text":"I'll just sort of put lighters.","start":367.46002,"end":369.0,"sentiment":"neutral","sentiment_score":0.23785273979107538},{"text":"Okay.","start":372.995,"end":373.495,"sentiment":"neutral","sentiment_score":0.2607964873313904},{"text":"Not a problem.","start":373.79498,"end":374.615,"sentiment":"positive","sentiment_score":0.3649951418240865},{"text":"In regards to that document there too, I'd say quite straightforward.","start":379.07498,"end":381.955,"sentiment":"neutral","sentiment_score":0.258248587900942}],"sentiment":"neutral","sentiment_score":0.10488757793443612,"num_words":46,"start":356.565,"end":381.955},{"sentences":[{"text":"We're just looking at retaining that hub twenty four, looking at change those underlying investments.","start":381.955,"end":385.56,"sentiment":"neutral","sentiment_score":0.225278240442276},{"text":"We're recommending, obviously, you set up your beneficiary nominations, establish a will, and a power of attorney.","start":385.8,"end":390.04,"sentiment":"neutral","sentiment_score":0.3025822446626775},{"text":"I can also send through some information there for some local solicitor here, just their general wills and estates information booklet as well.","start":390.04,"end":398.86,"sentiment":"neutral","sentiment_score":0.21745500227679376},{"text":"And same thing goes, you can sort of utilize their service.","start":399.365,"end":401.845,"sentiment":"neutral","sentiment_score":0.21321435543623837},{"text":"They are a separate service or you can sort of find someone local to you, but at least it's a nice bit of information to have.","start":401.845,"end":407.065,"sentiment":"neutral","sentiment_score":0.3045469814768204}],"sentiment":"neutral","sentiment_score":0.2585664809398029,"num_words":92,"start":381.955,"end":407.065},{"sentences":[{"text":"Perfect.","start":410.165,"end":410.665,"sentiment":"positive","sentiment_score":0.5463738441467285},{"text":"Obviously, on page nine there, you will see that it is slightly if you the the mortgage details in regards to that primary residence, it does state 600 as you just said as $6.80.","start":411.285,"end":422.35,"sentiment":"neutral","sentiment_score":0.23210703625398524},{"text":"And then the page before that, you'll see just your general details.","start":422.35,"end":425.09,"sentiment":"neutral","sentiment_score":0.15352090758581957},{"text":"And then the page after that, you'll be able to see your insurances and your current superannuation fund and what you hold in terms of the value as of the date of the advice document.","start":425.71002,"end":434.365,"sentiment":"neutral","sentiment_score":0.21021644707236972},{"text":"Then in regards to risk profile there, Ren, you score the growth.","start":434.825,"end":437.705,"sentiment":"neutral","sentiment_score":0.07875565097977717}],"sentiment":"neutral","sentiment_score":0.1976905045436418,"num_words":94,"start":410.165,"end":437.705},{"sentences":[{"text":"We're still recommending you stay in the growth.","start":437.705,"end":439.565,"sentiment":"neutral","sentiment_score":0.169569605961442},{"text":"The main difference in regards to recommendation versus what you've currently got.","start":440.025,"end":444.425,"sentiment":"neutral","sentiment_score":-0.05795192283888658},{"text":"So you do have some active portions inside your current portions inside your current superannuation.","start":444.425,"end":447.94,"sentiment":"neutral","sentiment_score":0.025895741085211435},{"text":"Now one of those has been along, which hasn't performed great at all, and another one is ClearBridge rare infrastructure.","start":448.24,"end":453.78,"sentiment":"neutral","sentiment_score":0.04401369970291853},{"text":"Now that managed fund has performed quite well over the time since you've had it, but the recommended update in the way that sort of Ophi is going at the moment in terms of investment direction, they are looking at doing a lower cost, passive approach in returns to an index investment sort of split with the core and satellite as opposed to having some of those managed funds.","start":454.47998,"end":476.22,"sentiment":"neutral","sentiment_score":0.19000017788747084}],"sentiment":"neutral","sentiment_score":0.12128916256610424,"num_words":124,"start":437.705,"end":476.22},{"sentences":[{"text":"Now the benefit of that is, obviously, it comes at a lower cost that reduces some volatility and it, like, eliminates that manager risk of having, like, what happened with Benelon.","start":476.22,"end":484.4,"sentiment":"neutral","sentiment_score":0.32973551798251366},{"text":"The the difference with that, though, is you don't have the potential to outperform the market.","start":486.445,"end":489.885,"sentiment":"neutral","sentiment_score":-0.0967658031731844},{"text":"So with those managed funds, if the fund managers do their job and do well, the additional cost you pay, they have the ability to potentially outperform the markets by picking and choosing the investments they hold, Whereas those indexes just track the market indexes in whatever sort of region or industry that they're sort of based in.","start":489.885,"end":507.57,"sentiment":"neutral","sentiment_score":0.20371235047210137},{"text":"And then you're just tracking a certain amount of companies within that.","start":507.57,"end":510.53,"sentiment":"neutral","sentiment_score":0.07775572594255209},{"text":"And as they sort of rise and fall, it's dynamic in the sense that they'd update.","start":510.53,"end":514.265,"sentiment":"neutral","sentiment_score":0.05935917282477021}],"sentiment":"neutral","sentiment_score":0.1682081203802692,"num_words":133,"start":476.22,"end":514.265},{"sentences":[{"text":"But in saying that, you won't be picking and choosing, like, the winners anymore to try and do better than what the market is doing, if that makes sense.","start":514.265,"end":521.005,"sentiment":"neutral","sentiment_score":-0.03259995387032114},{"text":"Yeah.","start":530.2,"end":530.52,"sentiment":"neutral","sentiment_score":-0.12873995304107666},{"text":"And they're your two managed funds, and at at the moment, it sort of, like, cancels out in regards to, like, obviously, one doing well and one doing poorly.","start":530.52,"end":538.78,"sentiment":"neutral","sentiment_score":-0.23241053547324805},{"text":"But saying that Bedelon has done a lot worse than what the ClearBridge has done good over that twelve month period.","start":539.0,"end":545.67505,"sentiment":"negative","sentiment_score":-0.36542402562640963},{"text":"So you're still down in terms of, like, your managed funds as opposed to, like, your index investment so far actually doing quite well.","start":545.67505,"end":553.85504,"sentiment":"neutral","sentiment_score":-0.2876657036443551}],"sentiment":"neutral","sentiment_score":-0.2153069766309972,"num_words":104,"start":514.265,"end":553.85504},{"sentences":[{"text":"Now not to say that your super has done poorly in terms of, like, since you've been onboard, it's actually done quite well.","start":554.35004,"end":560.43,"sentiment":"neutral","sentiment_score":-0.2580130647705949},{"text":"Obviously, with the market correction with the Iran war and then with what happened with Bennelong, it's obviously taken a bit of a dive.","start":560.43,"end":567.17,"sentiment":"neutral","sentiment_score":-0.3004930963118871},{"text":"The Bennelong one somewhat could have been avoided based because it was underlying investment issue at the end of last year that caused their initial dip, and then that was a further, like, exacerbated by the the war and causing all the markets to take a bit of a dive.","start":567.46497,"end":582.20496,"sentiment":"negative","sentiment_score":-0.3763095647841692},{"text":"You still did 5% off the fees for the the last twelve months, which obviously isn't fantastic with everything going on.","start":582.93,"end":588.95,"sentiment":"negative","sentiment_score":-0.4272863602354413},{"text":"It's sort of expected to have a little bit of a lull year, but it could have been a bit better if you didn't have that 10% sort of in that Ben Long managed fund, if that makes sense.","start":589.09,"end":599.165,"sentiment":"neutral","sentiment_score":-0.25151539116333693}],"sentiment":"neutral","sentiment_score":-0.323208451342241,"num_words":157,"start":554.35004,"end":599.165},{"sentences":[{"text":"Yes.","start":606.665,"end":606.985,"sentiment":"neutral","sentiment_score":0.09560081362724304},{"text":"So you still hold.","start":606.985,"end":608.605,"sentiment":"neutral","sentiment_score":-0.03618762455880642},{"text":"Let me just see how much it's actually sitting at the moment.","start":610.2,"end":612.94,"sentiment":"neutral","sentiment_score":-0.014921207601825396},{"text":"Gold at the moment, given how much it's sort of gone up, it's done around 35.5% over the last twelve months with that one.","start":613.95996,"end":624.09503,"sentiment":"neutral","sentiment_score":0.11323191039264202},{"text":"And then with the update, you'll still hold gold, and it will still be an active portion.","start":624.315,"end":629.67505,"sentiment":"neutral","sentiment_score":0.1567219557131038}],"sentiment":"neutral","sentiment_score":0.08885577449510837,"num_words":58,"start":606.665,"end":629.67505},{"sentences":[{"text":"Like, well, a portion of your portfolio will correct a little bit.","start":629.67505,"end":632.79504,"sentiment":"neutral","sentiment_score":0.08803854944805305},{"text":"They'll sell down a bit because with how well it's done, it jumped out to about 20% of your portfolio.","start":632.79504,"end":637.375,"sentiment":"neutral","sentiment_score":0.0056840041652321815},{"text":"And then with that, it'll come back to to about 10 with the rebalance.","start":637.8,"end":641.26,"sentiment":"neutral","sentiment_score":0.09113416767546109},{"text":"And then you'll have some bank hybrids, which is your defensive portion.","start":641.39996,"end":645.32,"sentiment":"neutral","sentiment_score":0.06650269559274118},{"text":"They are getting phased out.","start":645.32,"end":646.51996,"sentiment":"neutral","sentiment_score":-0.13399390876293182}],"sentiment":"neutral","sentiment_score":0.040858473451364605,"num_words":63,"start":629.67505,"end":646.51996},{"sentences":[{"text":"So in the future, that won't be in your portfolio, but that's still a defensive portion.","start":646.51996,"end":650.45996,"sentiment":"neutral","sentiment_score":0.043708661338314414},{"text":"You'll have an allocation to cybersecurity, and then the key holdings will be the S and P five hundred, which will be around 30%.","start":650.745,"end":657.725,"sentiment":"neutral","sentiment_score":0.17705058492720127},{"text":"And then you'll also have the BetaShares Australia two hundred, which is sort of the replacement for Benelon in the Australian market, and that'll be 20%.","start":657.865,"end":665.165,"sentiment":"neutral","sentiment_score":0.18758150877860877},{"text":"And then you'll have a few other satellites with Europe, Japan, and then a Vanguard all with excluding US investment.","start":665.73,"end":673.59,"sentiment":"neutral","sentiment_score":0.11549682430922985},{"text":"Pardon me.","start":674.21,"end":675.11,"sentiment":"neutral","sentiment_score":-0.13552260026335716}],"sentiment":"neutral","sentiment_score":0.13482458106326786,"num_words":88,"start":646.51996,"end":675.11},{"sentences":[{"text":"And that'll be sort of from 5% just to have you some exposure in some different geographical locations outside those key holdings that you do hold.","start":675.73,"end":685.185,"sentiment":"neutral","sentiment_score":-0.02163006508579621},{"text":"Now, obviously, with how sort of things are, you will get a guarantee that you will be saving money with that investment change.","start":688.925,"end":697.06,"sentiment":"positive","sentiment_score":0.373024415710698},{"text":"And then with that, that'll obviously go to be out of being reinvested.","start":697.6,"end":700.42,"sentiment":"neutral","sentiment_score":-0.004902752546163706},{"text":"Historically, over the past, like, three year rolling averages, it has performed better with the index funds, as opposed to, obviously, Chris having that been along and how well it's done, it sort of hindered your growth a little bit.","start":700.95996,"end":712.47504,"sentiment":"neutral","sentiment_score":-0.21336793713271618},{"text":"And not to say, as I said, that it's performed horrendously since your time on board.","start":712.47504,"end":717.9,"sentiment":"neutral","sentiment_score":-0.26137110497802496}],"sentiment":"neutral","sentiment_score":-0.04036619558425273,"num_words":118,"start":675.73,"end":717.9},{"sentences":[{"text":"But given the last twelve months, the investment committee is moving away from that.","start":718.14,"end":721.76,"sentiment":"negative","sentiment_score":-0.40764054336718153},{"text":"And then with that with the update to save on cost and then also smooth out some volatility for some longer term growth with how well the markets have been doing over that three to five year period, The indexes have been performing quite well.","start":721.98004,"end":735.47504,"sentiment":"neutral","sentiment_score":0.3103004996975263},{"text":"And then hopefully, like, moving forward, they'll continue to have that steady growth, and you won't have to take on as much managed risk as you do currently and still have the same, like, allocation to to growth assets, if not just slightly more with less sort of risk in regards to those picking and choosing of those winners, if that makes sense.","start":736.17505,"end":754.77,"sentiment":"positive","sentiment_score":0.38792836311317624},{"text":"Pardon?","start":759.645,"end":760.145,"sentiment":"neutral","sentiment_score":-0.08126552402973175},{"text":"So in regards to that, you'll still have, like, an eighty twenty split into sort of growth assets to defensive assets.","start":769.325,"end":775.45,"sentiment":"neutral","sentiment_score":0.02987043932080269}],"sentiment":"neutral","sentiment_score":0.23084760734087062,"num_words":144,"start":718.14,"end":775.45},{"sentences":[{"text":"You just won't carry the manager risk of those managed funds if you were to take on the update.","start":776.23,"end":781.45,"sentiment":"neutral","sentiment_score":-0.06612789368649062},{"text":"Now the alternative, if you did still wanna maintain level of active management, you could, like, keep the the ClearBridge or you could sort of have an actively managed fund.","start":781.83,"end":792.45496,"sentiment":"neutral","sentiment_score":0.014915272096792857},{"text":"But with that, you carry that manager risk still, and it comes at a higher investment cost.","start":792.45496,"end":796.615,"sentiment":"negative","sentiment_score":-0.3585614675984663},{"text":"And there is still the potential that much like sort of Ben Lung has, like, a bad year where they pick and choose a wrong investment and have quite a significant drop.","start":796.615,"end":805.61,"sentiment":"negative","sentiment_score":-0.510884995572269},{"text":"And then with that, you're sort of waiting on those good years to to come back, whereas the index is it does what the markets are doing and attracts the markets.","start":805.67,"end":812.73,"sentiment":"neutral","sentiment_score":-0.12410701210460355}],"sentiment":"neutral","sentiment_score":-0.21007871317727736,"num_words":129,"start":776.23,"end":812.73},{"sentences":[{"text":"Now, obviously, with what's going on at the moment, the markets aren't doing term fantastic, but neither are the managed funds.","start":813.115,"end":817.85504,"sentiment":"negative","sentiment_score":-0.35136825910636355},{"text":"And then with that, if the market's doing well and you're getting growth in the economy, then those indexes track quite nicely.","start":818.155,"end":824.495,"sentiment":"positive","sentiment_score":0.43518429723652924},{"text":"And the S and P 500, if you look at sort of, you know, $10,000 invested back way back when versus, like, sort of those managed funds.","start":824.715,"end":834.95,"sentiment":"positive","sentiment_score":0.3816973975411168},{"text":"The indexes tend to, over the long term, provide better sort of returns and more consistent returns through those goods as well as opposed to taking on the more managed risk of someone trying to pick and choose what is happening through that time frame.","start":834.95,"end":848.645,"sentiment":"positive","sentiment_score":0.4108676618999905},{"text":"Do you have any questions regarding that at all, Ryan?","start":853.665,"end":857.365,"sentiment":"neutral","sentiment_score":0.05939254462718964}],"sentiment":"neutral","sentiment_score":0.25267296850681303,"num_words":125,"start":813.115,"end":857.365},{"sentences":[{"text":"Yeah.","start":864.28,"end":864.60004,"sentiment":"neutral","sentiment_score":-0.1195468157529831},{"text":"As I said, obviously, in the past three months there since the the war and everything kicked off, it's not doing too fantastic.","start":864.60004,"end":872.28503,"sentiment":"neutral","sentiment_score":-0.23448659965525503},{"text":"And likely, it'll sort of still be quite stagnant until that sort of resolved in terms of, like, your time tool for retirement.","start":872.28503,"end":879.10504,"sentiment":"negative","sentiment_score":-0.35475407864736475},{"text":"It is a little bit of a blip on the radar, so I'm not too sure how much you paid attention with, like, the tariff talk and how that affected your super originally, but it took quite a dive at the start of the year.","start":879.245,"end":888.48,"sentiment":"neutral","sentiment_score":-0.2183845298157798},{"text":"And then it recovered nicely from that, and then, obviously, this is a bit of a just a double whammy.","start":889.1,"end":893.42,"sentiment":"neutral","sentiment_score":-0.1282532734796405}],"sentiment":"neutral","sentiment_score":-0.23271831900014409,"num_words":112,"start":864.28,"end":893.42},{"sentences":[{"text":"But since you've been on board after fees, you've done around 22.6.","start":893.58,"end":898.555,"sentiment":"neutral","sentiment_score":0.19088166765868664},{"text":"And then with that, it's sort of grown nicely in that period as well with how much you've put in, obviously, in regards to the growth that you're getting out of it as well.","start":898.555,"end":908.97,"sentiment":"positive","sentiment_score":0.3444168523830526},{"text":"Because I believe yep.","start":913.68994,"end":917.37,"sentiment":"neutral","sentiment_score":0.02361688669770956},{"text":"It's around a $132,464.","start":917.37,"end":921.14996,"sentiment":"neutral","sentiment_score":0.03320738673210144},{"text":"Yeah.","start":924.32495,"end":924.565,"sentiment":"neutral","sentiment_score":0.02526768483221531}],"sentiment":"neutral","sentiment_score":0.25915123220871794,"num_words":55,"start":893.58,"end":924.565},{"sentences":[{"text":"But I so if I go just down to, like, a dollar figure around sort of let's just double check.","start":924.565,"end":933.3,"sentiment":"neutral","sentiment_score":0.02285156026482582},{"text":"In gen January 2025 or February 2025 is around 113,000.","start":940.26,"end":946.76,"sentiment":"neutral","sentiment_score":0.03819978199899197},{"text":"And that's, like, obviously contributions and growth.","start":951.57495,"end":954.13495,"sentiment":"neutral","sentiment_score":0.20256354127611434},{"text":"It was up around the $1.40 mark before, obviously, the Benelong and then the wall kicking off, and then it's just taking a bit of a a correction.","start":954.13495,"end":960.71497,"sentiment":"neutral","sentiment_score":-0.0683677972604831},{"text":"Yeah.","start":964.63,"end":965.02997,"sentiment":"positive","sentiment_score":0.4115023612976074}],"sentiment":"neutral","sentiment_score":0.012654548453596922,"num_words":66,"start":924.565,"end":965.02997},{"sentences":[{"text":"And I believe, like, when you came on board, your balance was around, like, the 77 sort of mark, so it's been pretty steady, consistent sort of growth.","start":965.02997,"end":973.61,"sentiment":"positive","sentiment_score":0.36195466188447817},{"text":"Yeah.","start":981.32495,"end":981.64496,"sentiment":"neutral","sentiment_score":0.28100234270095825},{"text":"And then although, like, it could have been a bit better, like, it is, like, in the expected range, it was, like, annualized figure as well.","start":981.64496,"end":988.125,"sentiment":"neutral","sentiment_score":0.06078530604449602},{"text":"I think it's around a bit over sort of 7% around that sort of just under 8% of, like, an annualized figure even with the dip that has occurred, and it would be a bit higher if that didn't occur, and that's after fees as well, not like a before fee thing.","start":988.125,"end":1002.10004,"sentiment":"neutral","sentiment_score":-0.008174928961894833},{"text":"And then with that, like, obviously, moving forward, the investment fee would drop.","start":1005.065,"end":1009.865,"sentiment":"neutral","sentiment_score":0.13014985850224128}],"sentiment":"neutral","sentiment_score":0.11052502239278207,"num_words":120,"start":965.02997,"end":1009.865},{"sentences":[{"text":"So it would mean you'd have more money going into investments and the returns and getting that returns.","start":1009.865,"end":1015.385,"sentiment":"neutral","sentiment_score":0.3144359009133445},{"text":"I think it's around $426 you'd be saving in investment cost by not having those managed funds and not taking the gamble and just sort of tracking what the market indexes are doing.","start":1015.385,"end":1024.4299,"sentiment":"neutral","sentiment_score":0.2666290727528659},{"text":"It's not to say you can't revisit it in the future as well and potentially add some form of active portion back.","start":1024.57,"end":1030.835,"sentiment":"neutral","sentiment_score":0.10255188020792874},{"text":"But at the moment, with the way things are being quite volatile and trying to pick those winners, being an index is a bit of a safer option.","start":1031.535,"end":1038.275,"sentiment":"neutral","sentiment_score":0.16221267889652932},{"text":"And then going forward, you are saving money with that as well while having a nice group of diversification in your portfolio.","start":1038.575,"end":1045.89,"sentiment":"positive","sentiment_score":0.5212146301161159}],"sentiment":"neutral","sentiment_score":0.2660440963700535,"num_words":123,"start":1009.865,"end":1045.89},{"sentences":[{"text":"Yep.","start":1050.6699,"end":1050.83,"sentiment":"neutral","sentiment_score":0.24461403489112857},{"text":"Perfect.","start":1050.83,"end":1051.33,"sentiment":"positive","sentiment_score":0.5249081254005432},{"text":"So, yeah, within regards to that one, but moving more to a more diversified portfolio, you get a nice market exposure.","start":1051.71,"end":1058.485,"sentiment":"positive","sentiment_score":0.3618510788572686},{"text":"And then from there, you will have a a bit lower volatility through that diversification and the lack of manager risk, and then you'll still maintain, obviously, the transparency in your suit for being able to monitor your investments as opposed to being in, like, a a separately managed account and things like that as well.","start":1058.7849,"end":1072.8049,"sentiment":"positive","sentiment_score":0.42819482859756264},{"text":"So you'll be able to see how things are doing individually.","start":1073.0,"end":1075.26,"sentiment":"positive","sentiment_score":0.5663211481137709}],"sentiment":"positive","sentiment_score":0.4286315316334367,"num_words":90,"start":1050.6699,"end":1075.26},{"sentences":[{"text":"And if you ever did see something that you're a bit worried about, you can always give us a call and address it as well.","start":1075.3201,"end":1080.54,"sentiment":"neutral","sentiment_score":0.1342721551656723},{"text":"Obviously, over the next three to six months, it might not be doing too fantastic even with the the change, and that's purely because, like, the markets themselves aren't doing too fantastic.","start":1081.4,"end":1090.595,"sentiment":"negative","sentiment_score":-0.3531359196640551},{"text":"Yep.","start":1094.335,"end":1094.835,"sentiment":"neutral","sentiment_score":0.19897912442684176},{"text":"And, yeah, obviously, with that, you'll still maintain the group insurances having hub and not changing platforms either.","start":1095.695,"end":1101.87,"sentiment":"positive","sentiment_score":0.40186029341485763},{"text":"You'll have the benefit of not having to pay full CGT.","start":1101.87,"end":1104.2899,"sentiment":"positive","sentiment_score":0.5259843577038158}],"sentiment":"neutral","sentiment_score":0.060629273454348244,"num_words":87,"start":1075.3201,"end":1104.2899},{"sentences":[{"text":"The sell downs will just be on the the assets that are changing, and you will be able to have a look at those and see the actual changes themselves on page 16 and just review what's selling and what's buying and make sure you are happy with that.","start":1104.35,"end":1117.8551,"sentiment":"positive","sentiment_score":0.4851346076751242},{"text":"And then if you did have any concerns, there also are some links in the appendix to be able to review those investments that we are recommending that are new.","start":1118.0751,"end":1125.2151,"sentiment":"neutral","sentiment_score":0.19884692082802455},{"text":"And then you'll be able to see what is selling out and what's maintaining out of your current portfolio there as well.","start":1125.275,"end":1130.36,"sentiment":"neutral","sentiment_score":0.2881526527079669},{"text":"And given that S and P 500 still is a key component of that, you'll save on any capital gains that you've got from holding that investment previously.","start":1130.98,"end":1138.6799,"sentiment":"positive","sentiment_score":0.34717187764389174},{"text":"That makes sense?","start":1140.755,"end":1141.6549,"sentiment":"neutral","sentiment_score":0.1221009890238444}],"sentiment":"positive","sentiment_score":0.34972331289089087,"num_words":132,"start":1104.35,"end":1141.6549},{"sentences":[{"text":"Yep.","start":1143.395,"end":1143.895,"sentiment":"neutral","sentiment_score":0.12873536348342896},{"text":"Obviously, there is a projection there as well, but that's to be taken with a grain of salt.","start":1144.0349,"end":1147.475,"sentiment":"neutral","sentiment_score":-0.04988510782519976},{"text":"No one knows really what the markets are gonna do, and then the markets aren't gonna replicate.","start":1147.475,"end":1152.115,"sentiment":"neutral","sentiment_score":-0.16234023386941238},{"text":"So we use the rolling averages, but in saying that no one's gonna sort of have the markets replicate three years from the same three years or five years from the same five years, it just means that it just based it on a historical data.","start":1152.115,"end":1166.17,"sentiment":"neutral","sentiment_score":0.04547397998849983},{"text":"And then with that, the main thing is that you will be saving on money.","start":1166.31,"end":1169.405,"sentiment":"positive","sentiment_score":0.4358132700125376}],"sentiment":"neutral","sentiment_score":0.05257754202586474,"num_words":97,"start":1143.395,"end":1169.405},{"sentences":[{"text":"You'll have a bit more diversification, and you'll reduce your your manager risk while still maintaining adequate exposure to growth assets to try and get that growth.","start":1169.405,"end":1177.105,"sentiment":"positive","sentiment_score":0.5986744904959643},{"text":"Now we did also include the needs analysis just to illustrate potential shortfalls in your insurance coverage.","start":1178.285,"end":1184.33,"sentiment":"neutral","sentiment_score":-0.03409095064682119},{"text":"Obviously, you're happy with the group cover that you do have in aiming at being somewhat more self insured through your investment and property outside of super, so that's more than fine.","start":1184.33,"end":1193.2899,"sentiment":"positive","sentiment_score":0.48060123436152935},{"text":"It's just something to be aware of.","start":1193.2899,"end":1194.945,"sentiment":"neutral","sentiment_score":0.176371768116951},{"text":"That should anything happen.","start":1195.0249,"end":1196.1449,"sentiment":"neutral","sentiment_score":0.15598894096910954}],"sentiment":"positive","sentiment_score":0.3772696864673461,"num_words":87,"start":1169.405,"end":1196.1449},{"sentences":[{"text":"You do have to sort of potentially bridge some gaps in regards to ongoing costs and living and things like that, either through government assistance programs or potentially having to sell investment properties and things like that.","start":1196.1449,"end":1206.7849,"sentiment":"neutral","sentiment_score":0.027660840266459697},{"text":"Does that make sense as well?","start":1206.7849,"end":1208.16,"sentiment":"neutral","sentiment_score":0.14072140182058016},{"text":"Yeah.","start":1213.92,"end":1214.16,"sentiment":"neutral","sentiment_score":0.15979814529418945},{"text":"Because you do have the group cover in Hunt '24 for five hundred and ninety thousand in death and total permanent disability.","start":1214.16,"end":1220.9,"sentiment":"neutral","sentiment_score":0.010033780878240412},{"text":"But, obviously, if you're off work, unable to work with regards to, like, trying to claim on income protection, things like that, you just don't have that that cover at the moment, which is something to be aware of.","start":1221.495,"end":1230.795,"sentiment":"neutral","sentiment_score":-0.3097190669713876}],"sentiment":"neutral","sentiment_score":-0.09362593129986808,"num_words":105,"start":1196.1449,"end":1230.795},{"sentences":[{"text":"And then giving you a statement too on how you'd like to distribute your funds between your your partner and your children, we just recommended doing 50¢ to your partner and 25% to each child.","start":1231.575,"end":1241.7899,"sentiment":"neutral","sentiment_score":0.11464073465150945},{"text":"Now you can obviously just pick your partner and just have to leave it a 100¢ to the spouse and then through the will on that, should anything happen, like, leave it to the children and things like that through the setup of that.","start":1241.7899,"end":1252.2749,"sentiment":"neutral","sentiment_score":0.16141144913989444},{"text":"At the moment, given the kids are 18, your spouse, you just spouse, they're both or all three of them are tax dependent, so they would receive the funds tax free.","start":1252.575,"end":1260.63,"sentiment":"neutral","sentiment_score":0.0932988117058431},{"text":"If a child's over the 18 and no longer financially supported, they may not form a tax dependent, which just means that they may get charged additional taxes there.","start":1260.63,"end":1269.35,"sentiment":"neutral","sentiment_score":-0.09991586799251623},{"text":"So when it gets to that stage, it might just be partner and working through your state and things like that in regards to your will to sort of better manage it in future, if that makes sense.","start":1269.35,"end":1278.355,"sentiment":"neutral","sentiment_score":0.13346672489454872}],"sentiment":"neutral","sentiment_score":0.09088523330433028,"num_words":177,"start":1231.575,"end":1278.355},{"sentences":[{"text":"Yep.","start":1281.615,"end":1282.115,"sentiment":"neutral","sentiment_score":-0.04595186188817024},{"text":"And then with that, establishing a will, just so you do have that in place for you, estate assets versus United States assets being your super, and then setting up a power of attorney in conjunction with that just to ensure if anything did happen to you, whoever your power of attorney is is able to make some financial or health related decisions for you if you're somewhat incapacitated.","start":1282.4149,"end":1301.27,"sentiment":"neutral","sentiment_score":0.06995068528298018},{"text":"So that'll make sense in regards to your state planning sort of thing?","start":1302.8151,"end":1305.875,"sentiment":"neutral","sentiment_score":0.06363941299227568},{"text":"Yeah.","start":1311.295,"end":1311.6951,"sentiment":"neutral","sentiment_score":0.15320812165737152},{"text":"Yep.","start":1311.6951,"end":1312.1951,"sentiment":"neutral","sentiment_score":0.21555128693580627}],"sentiment":"neutral","sentiment_score":0.07031432000153205,"num_words":85,"start":1281.615,"end":1312.1951},{"sentences":[{"text":"Yep.","start":1328.765,"end":1329.245,"sentiment":"neutral","sentiment_score":0.29106199741363525},{"text":"That's perfect.","start":1329.245,"end":1329.885,"sentiment":"positive","sentiment_score":0.6337278485298157},{"text":"And then we can send you out another copy of your hub 24 beneficiary if you'd like.","start":1329.885,"end":1334.305,"sentiment":"neutral","sentiment_score":0.2727510972934611},{"text":"And do you have and do you have access to a printer at all?","start":1340.78,"end":1347.04,"sentiment":"neutral","sentiment_score":0.020812809001654387},{"text":"Yep.","start":1352.635,"end":1353.115,"sentiment":"neutral","sentiment_score":0.1987193524837494}],"sentiment":"neutral","sentiment_score":0.1910110007705433,"num_words":35,"start":1328.765,"end":1353.115},{"sentences":[{"text":"Perfect.","start":1353.115,"end":1353.615,"sentiment":"neutral","sentiment_score":0.31221503019332886},{"text":"With that one, whoever you nominate, obviously, can't be a witness signature on that.","start":1353.6749,"end":1358.715,"sentiment":"neutral","sentiment_score":0.07296693404870373},{"text":"So if you do nominate your partner, she can't witness it as well.","start":1358.715,"end":1362.1549,"sentiment":"neutral","sentiment_score":0.04400258453992697},{"text":"It has to be two people over the age of 18 that are on the beneficiaries.","start":1362.1549,"end":1365.615,"sentiment":"neutral","sentiment_score":0.035901102470234036},{"text":"And then from there, I'll email out the CDM information in regards to visiting a solicitor or just getting some general information before going to see a solicitor in regards to setting up a will and a power of attorney with that just so you have the information as well.","start":1366.44,"end":1380.885,"sentiment":"neutral","sentiment_score":0.06047303300350904}],"sentiment":"neutral","sentiment_score":0.05855164888929179,"num_words":94,"start":1353.115,"end":1380.885},{"sentences":[{"text":"In addition to that one, your ID is currently expired as well in terms of, like, the one we have on file, so we would have to update that before we implement anything as well for you.","start":1382.325,"end":1390.745,"sentiment":"neutral","sentiment_score":-0.04797154805950216},{"text":"So with an ID, so just for, like, AML risk or anti money laundering verifications and things like that and to ensure you're still a real person and alive.","start":1391.4451,"end":1402.1,"sentiment":"neutral","sentiment_score":0.0585495972170912},{"text":"We're gonna have a valid ID on file before implementing advice.","start":1402.1,"end":1404.84,"sentiment":"neutral","sentiment_score":0.0821889645674012},{"text":"Yeah.","start":1408.995,"end":1409.3151,"sentiment":"neutral","sentiment_score":0.10327139496803284},{"text":"So if you just send in a front back copy, even just respond to the email I send out with the ID photo, whether it's your driver's license or passport, just front and back, and then we can get that all implemented too.","start":1409.3151,"end":1420.38,"sentiment":"neutral","sentiment_score":0.11472633671621944}],"sentiment":"neutral","sentiment_score":0.04845928533141278,"num_words":121,"start":1382.325,"end":1420.38},{"sentences":[{"text":"In regards to another document that is outstanding, but it isn't in the document pack that says it's just a tax file opt in form as well.","start":1420.9401,"end":1426.64,"sentiment":"neutral","sentiment_score":0.09544614212656463},{"text":"They've just updated the form where we store your tax file number.","start":1426.78,"end":1429.26,"sentiment":"neutral","sentiment_score":0.20869649822513262},{"text":"So at some point, they'll probably send that out to you just to be able to sign to where we store your tax file number moving forward as opposed to where we've stored it previously just to be a little bit more compliant and keeping things updated, if that makes sense.","start":1429.26,"end":1441.6649,"sentiment":"neutral","sentiment_score":0.2186567616813323},{"text":"Perfect.","start":1443.485,"end":1443.985,"sentiment":"positive","sentiment_score":0.6103940606117249},{"text":"And then with regards to the fees, you'll still be on the same fee structure with that.","start":1444.445,"end":1450.66,"sentiment":"neutral","sentiment_score":0.3164233898415285}],"sentiment":"neutral","sentiment_score":0.20576379953504162,"num_words":108,"start":1420.9401,"end":1450.66},{"sentences":[{"text":"And then with based on your current balance, 1.65%, it'll be roughly around $2,400 and $2,472 as an annual fee.","start":1450.66,"end":1460.5,"sentiment":"neutral","sentiment_score":0.21509079858660698},{"text":"But, obviously, that depends on how the markets grow and perform because it is a monthly figure based on the percentage balance at that time across twelve months.","start":1460.5,"end":1467.955,"sentiment":"neutral","sentiment_score":0.09672476510916438},{"text":"So if the markets do well, it obviously goes up a bit if they sort of stay stagnant or go down a little bit in that time frame.","start":1468.015,"end":1473.215,"sentiment":"neutral","sentiment_score":-0.07343637757003307},{"text":"It actually charges you a bit less, so it proportionates it a little bit more across the year and how the markets are performing.","start":1473.215,"end":1478.755,"sentiment":"neutral","sentiment_score":0.023525886548062164},{"text":"Perfect.","start":1483.2599,"end":1483.7599,"sentiment":"positive","sentiment_score":0.5338650345802307}],"sentiment":"neutral","sentiment_score":0.05992452608476771,"num_words":101,"start":1450.66,"end":1483.7599},{"sentences":[{"text":"One of the other main sort of risks or disadvantages to sort of pay attention to given the current volatility in the market, though, is with those changes, If the markets were to sort of jump up while you're in cash, there's a potential that you sort of miss out on that little bit of growth.","start":1484.46,"end":1498.425,"sentiment":"neutral","sentiment_score":-0.29909136784928186},{"text":"If they go the other way while you're in cash, it's obviously a bit of a benefit.","start":1498.425,"end":1501.405,"sentiment":"neutral","sentiment_score":0.06928538574891932},{"text":"But given how volatile the markets are and how much they're sort of changing day on day, whether it's ups and downs, Just doing that regards to those time it takes to sell down those investments and be reinvested, there is about that two week period where you could be not invested or being cash or waiting for a sell down to where you'd be reinvested.","start":1501.545,"end":1518.04,"sentiment":"neutral","sentiment_score":-0.13057316455877188},{"text":"So within that period, if it drops, fantastic.","start":1518.26,"end":1520.28,"sentiment":"neutral","sentiment_score":0.17681878618896008},{"text":"You get a little bit of a a sale.","start":1520.3401,"end":1522.255,"sentiment":"positive","sentiment_score":0.4155527386400435}],"sentiment":"neutral","sentiment_score":-0.12201646772714761,"num_words":156,"start":1484.46,"end":1522.255},{"sentences":[{"text":"If it goes back up, you bought at a little bit higher of a cost base than what you would sort of be selling at in terms of, like, the market cost.","start":1522.255,"end":1529.455,"sentiment":"neutral","sentiment_score":-0.05489860661327839},{"text":"Does that make sense?","start":1529.455,"end":1530.515,"sentiment":"neutral","sentiment_score":0.04592216573655605},{"text":"So that's sort of the main risk to be considering in regards to the change.","start":1534.59,"end":1540.35,"sentiment":"neutral","sentiment_score":-0.23268110950787863},{"text":"And then, obviously, with that as well, you wouldn't have those those managed funds.","start":1540.35,"end":1544.91,"sentiment":"neutral","sentiment_score":-0.2200470119714737},{"text":"So you wouldn't have the ability to outperform the markets moving forward until such time that gets adjusted and you put those managed funds, like, back in if that's something you wanted in future as well.","start":1544.91,"end":1555.185,"sentiment":"neutral","sentiment_score":-0.1861092617942227}],"sentiment":"neutral","sentiment_score":-0.14696905924247042,"num_words":101,"start":1522.255,"end":1555.185},{"sentences":[{"text":"So it just depends on what level of risk you wanna take.","start":1563.1,"end":1565.66,"sentiment":"neutral","sentiment_score":-0.08814276941120625},{"text":"Obviously, the business at the moment, Oakview's, like, investment community is leaning towards the more passive index approach in regards to how well the markets have been performing and then the cost of those investments as opposed to those managed funds.","start":1565.66,"end":1576.755,"sentiment":"neutral","sentiment_score":-0.0818803513013735},{"text":"And then with how Bandelon has performed, they are moving away from that investment.","start":1576.755,"end":1580.855,"sentiment":"neutral","sentiment_score":-0.1616153780903135},{"text":"Not to say that you can't have managed funds in the future or if you did really want that ability to potentially outperform the markets and have that little bit more risk even with the same allocation to growth.","start":1580.915,"end":1591.6001,"sentiment":"neutral","sentiment_score":-0.1147519517212342},{"text":"It is something you can have.","start":1591.6001,"end":1592.9601,"sentiment":"neutral","sentiment_score":0.07730936755736668}],"sentiment":"neutral","sentiment_score":-0.09543654322624207,"num_words":112,"start":1563.1,"end":1592.9601},{"sentences":[{"text":"It's just a a personal investment decision.","start":1592.9601,"end":1595.2001,"sentiment":"neutral","sentiment_score":0.015232253819704056},{"text":"Obviously, I'm recommending the more passive index approach at a cheaper cost given the current markets.","start":1595.2001,"end":1601.4601,"sentiment":"neutral","sentiment_score":0.09088008780963719},{"text":"Not so to say that you can't sort of say I want the active management or in future want the active management back to try and outperform the markets again.","start":1601.76,"end":1609.525,"sentiment":"neutral","sentiment_score":-0.11677700119713942},{"text":"Yep.","start":1613.905,"end":1614.145,"sentiment":"neutral","sentiment_score":0.029095128178596497},{"text":"Do you have any questions in regards to that, Ren?","start":1614.145,"end":1616.25,"sentiment":"neutral","sentiment_score":0.01654027132317424}],"sentiment":"neutral","sentiment_score":-0.02731414082518313,"num_words":64,"start":1592.9601,"end":1616.25},{"sentences":[{"text":"Yeah.","start":1619.93,"end":1620.17,"sentiment":"neutral","sentiment_score":-0.05844658613204956},{"text":"So, obviously, we did consider rebalancing the portfolio and just removing the Benelon.","start":1620.17,"end":1624.27,"sentiment":"neutral","sentiment_score":0.03724546730518341},{"text":"However, based on the historical performance and the recommended portfolio, just having a mixture of those acts assets and having the future diversification with the recommendation.","start":1624.49,"end":1636.775,"sentiment":"neutral","sentiment_score":0.18267433545910394},{"text":"We just lent towards more going that index approach with a bit better diversification and a bit better mix in terms of, like, the investments you hold and the cost you're paying for those.","start":1637.475,"end":1646.55,"sentiment":"neutral","sentiment_score":0.25584349584053545},{"text":"Yep.","start":1653.51,"end":1653.8301,"sentiment":"neutral","sentiment_score":0.15978439152240753}],"sentiment":"neutral","sentiment_score":0.187116539478302,"num_words":75,"start":1619.93,"end":1653.8301},{"sentences":[{"text":"So if you looked at this and go, actually, I'm happy with my portfolio overall, and I just wanna get rid of the underperforming Benelon and switch it out for, like, the BetaShares Australian 200, which is the comparative sort of option there, you could do that as well and just have the 10% in the Australian 200 and then keep the rest of your investments the same or somewhat jig it a little bit differently because you do have the Raffy Australian 200 currently, which is Australian 200 index list.","start":1653.8301,"end":1683.1699,"sentiment":"neutral","sentiment_score":0.2579264868419249},{"text":"It's just calculated a little bit differently to the the the beta shares Australian two hundred.","start":1683.1699,"end":1687.5099,"sentiment":"neutral","sentiment_score":0.10815962450578809},{"text":"So with that, you might have some overlapping there if you were to just do the 10% bet along for the beta shares Australian 200.","start":1688.37,"end":1694.865,"sentiment":"neutral","sentiment_score":0.13685355871915816},{"text":"But that is an option there for you as well if you're happy with how your portfolio is currently doing and don't actually wanna do a full change.","start":1695.0851,"end":1701.265,"sentiment":"neutral","sentiment_score":0.12175383977591991},{"text":"Yeah.","start":1712.69,"end":1713.09,"sentiment":"neutral","sentiment_score":0.04424573481082916}],"sentiment":"neutral","sentiment_score":0.19923327025604545,"num_words":161,"start":1653.8301,"end":1713.09},{"sentences":[{"text":"So, obviously, we're recommending, like, a a full update of the portfolio, which will mean a bit more of a significant change.","start":1713.09,"end":1719.025,"sentiment":"neutral","sentiment_score":0.24575088105418466},{"text":"And that also means that with how Benelon has performed, it would offset the the loss that did occur, some of the the capital gains when switching up the portfolio now.","start":1719.025,"end":1729.045,"sentiment":"neutral","sentiment_score":0.27645248511145193},{"text":"But as I said, if you did review it and sort of still wanna keep your ClearBridge active management and then keep the rest of your portfolio with how it has been performing over the last few years, and then just switching out the bet along, that's an option for you as well.","start":1729.85,"end":1742.565,"sentiment":"neutral","sentiment_score":0.22492160732453725},{"text":"But yeah.","start":1745.125,"end":1746.485,"sentiment":"neutral","sentiment_score":0.14540966972708702},{"text":"Yeah.","start":1746.485,"end":1746.8049,"sentiment":"neutral","sentiment_score":0.20362094044685364}],"sentiment":"neutral","sentiment_score":0.24212689807108784,"num_words":109,"start":1713.09,"end":1746.8049},{"sentences":[{"text":"But the recommendation, obviously, is to change the portfolio a little bit more significantly, and you can see that on page 16, the recommendations.","start":1746.8049,"end":1752.9049,"sentiment":"neutral","sentiment_score":0.19264725285271803},{"text":"But make sure, you know, have a read through it, see if you are happy with that change.","start":1753.125,"end":1757.2101,"sentiment":"neutral","sentiment_score":0.29757096866766614},{"text":"And then if not, you can sort of let us know because at the moment too, you do have some exposure to, like, food.","start":1757.2101,"end":1763.39,"sentiment":"neutral","sentiment_score":-0.03315976013739904},{"text":"You also have a bit of exposure there in that actively managed portion as I was saying.","start":1764.3301,"end":1769.775,"sentiment":"neutral","sentiment_score":-0.03899506994468324},{"text":"And then you've got that Rafi Australian 200, which is calculated and settled a bit differently to the beta shares Australian 200 in terms of, like, the top 200 companies in Australia and how they'll pick those in regards to the metrics they use to pick those top 200.","start":1769.775,"end":1784.035,"sentiment":"neutral","sentiment_score":0.0669821560839001}],"sentiment":"neutral","sentiment_score":0.0894180812139177,"num_words":132,"start":1746.8049,"end":1784.035},{"sentences":[{"text":"Yeah.","start":1791.49,"end":1791.81,"sentiment":"neutral","sentiment_score":0.13885797560214996},{"text":"So, obviously, you can see your current portfolio on the left in regards to the current weightings you currently have.","start":1791.81,"end":1797.645,"sentiment":"neutral","sentiment_score":0.1470944207161665},{"text":"And then on the right hand side, you'll be able to see the buyers and sales to get to the portfolio that we are recommending.","start":1797.885,"end":1804.465,"sentiment":"neutral","sentiment_score":0.17056302547454835},{"text":"But if you aren't happy with that, you can just let us know.","start":1805.165,"end":1807.485,"sentiment":"neutral","sentiment_score":0.052039857380665265},{"text":"We can sort of work with you to to make some changes.","start":1807.485,"end":1810.2051,"sentiment":"neutral","sentiment_score":0.22029658469061056}],"sentiment":"neutral","sentiment_score":0.15020984773274879,"num_words":71,"start":1791.49,"end":1810.2051},{"sentences":[{"text":"Or if you did decide that I want the active management from high cost to potentially outperform the market, we can sort of work with that as well to try and do that.","start":1810.2051,"end":1818.5,"sentiment":"neutral","sentiment_score":0.1450218124823137},{"text":"But, obviously, the recommendation is to go a bit more passive index at a lower cost to aim for some savings in terms of the investment cost and aim for those high performed performance over the the long term through the indexed investments?","start":1818.5,"end":1831.855,"sentiment":"neutral","sentiment_score":0.22631815803605457},{"text":"Yep.","start":1836.715,"end":1837.195,"sentiment":"neutral","sentiment_score":0.15384694933891296},{"text":"Do you have any questions in regards to that, Ryan?","start":1837.195,"end":1839.455,"sentiment":"neutral","sentiment_score":0.09662295803427697},{"text":"Yeah.","start":1847.93,"end":1848.33,"sentiment":"neutral","sentiment_score":0.0614035427570343}],"sentiment":"neutral","sentiment_score":0.17839637136256153,"num_words":88,"start":1810.2051,"end":1848.33},{"sentences":[{"text":"A lot of information coming at you.","start":1848.33,"end":1850.09,"sentiment":"neutral","sentiment_score":0.02060534485748836},{"text":"So, obviously, take your time.","start":1850.09,"end":1851.61,"sentiment":"neutral","sentiment_score":0.03833692371845245},{"text":"I don't wanna take up all of your afternoon there, but take your time.","start":1851.61,"end":1854.625,"sentiment":"neutral","sentiment_score":-0.06415653548070363},{"text":"Have a read through it.","start":1854.625,"end":1855.9249,"sentiment":"neutral","sentiment_score":0.1340176060795784},{"text":"As I said, the main switch page is on that page 16 if you'd be able to see the changes.","start":1855.985,"end":1861.345,"sentiment":"neutral","sentiment_score":0.10369448736310005}],"sentiment":"neutral","sentiment_score":0.04277859438283771,"num_words":51,"start":1848.33,"end":1861.345},{"sentences":[{"text":"And then in the appendix, you'll be able to see the recommended investment list.","start":1861.345,"end":1865.985,"sentiment":"neutral","sentiment_score":0.14764349641544477},{"text":"So you'll still have the main core of your portfolio.","start":1865.985,"end":1868.885,"sentiment":"neutral","sentiment_score":0.16745782718062402},{"text":"It's the sort of outside, satellites that will be changing majority.","start":1869.105,"end":1873.74,"sentiment":"neutral","sentiment_score":0.07169781320474365},{"text":"And in regards to not having those managed funds is like a key change as well.","start":1874.44,"end":1879.1,"sentiment":"neutral","sentiment_score":-0.23890440864488482},{"text":"So, yeah, at the at the moment, like, that is the the recommended change.","start":1890.535,"end":1895.735,"sentiment":"neutral","sentiment_score":-0.06800311963473048}],"sentiment":"neutral","sentiment_score":-0.0037577084050728726,"num_words":65,"start":1861.345,"end":1895.735},{"sentences":[{"text":"But if you're not happy with the recommended change, then we can look to maybe do something else and keep the active management.","start":1895.735,"end":1901.5399,"sentiment":"negative","sentiment_score":-0.36238023509149964},{"text":"But at the moment, we are getting rid of Bandalong.","start":1901.5399,"end":1903.3799,"sentiment":"neutral","sentiment_score":-0.3212707906961441},{"text":"We're getting rid of the ClearBridge rare infrastructure, which are both your managed funds, and then some changes to your other underlying satellite to adjust that for what we believe, like, the markets will be doing sort of in the next five to seven years.","start":1903.3799,"end":1916.095,"sentiment":"neutral","sentiment_score":-0.1918571581443151},{"text":"Yeah.","start":1920.875,"end":1921.375,"sentiment":"neutral","sentiment_score":0.04313639551401138},{"text":"Yeah.","start":1931.21,"end":1931.71,"sentiment":"neutral","sentiment_score":0.027370693162083622}],"sentiment":"neutral","sentiment_score":-0.2513814792735502,"num_words":80,"start":1895.735,"end":1931.71},{"sentences":[{"text":"Phone call is probably a bit easier than a email, Trevor.","start":1932.25,"end":1934.8099,"sentiment":"neutral","sentiment_score":-0.027239438823678276},{"text":"But if you respond to my email that I send out and you go, I'm actually not I want some changes in regards to what you did recommend, we can sort of have another phone call and see what you'd rather have and what you don't like about what my recommendation was.","start":1934.8099,"end":1948.4651,"sentiment":"neutral","sentiment_score":-0.2854214648787792},{"text":"But if you are happy with the recommendation of that portfolio, then you can obviously just sign the document, and then we'll get that implemented for you after the ID is received.","start":1948.8451,"end":1957.39,"sentiment":"neutral","sentiment_score":0.24439692869782448},{"text":"But, otherwise, I'll leave you in your hands to be able to have a read through and see if you're happy with it or not.","start":1957.39,"end":1962.85,"sentiment":"neutral","sentiment_score":0.18725089758634567},{"text":"Not a problem.","start":1983.02,"end":1983.8401,"sentiment":"neutral","sentiment_score":0.2987493673960368}],"sentiment":"neutral","sentiment_score":-0.014173396264876776,"num_words":123,"start":1932.25,"end":1983.8401},{"sentences":[{"text":"Obviously, it goes a bit too late.","start":1985.18,"end":1987.02,"sentiment":"neutral","sentiment_score":0.06511824844138962},{"text":"I'll probably won't be at work this afternoon, but choose an email there as well, and we can get you booked back in a time to to discuss any concerns you might have.","start":1987.02,"end":1994.6749,"sentiment":"neutral","sentiment_score":0.17057566118962836},{"text":"Not a problem at all, Rhen.","start":2000.095,"end":2001.475,"sentiment":"positive","sentiment_score":0.34082795182863873},{"text":"Obviously, yeah, quite straightforward in the sense that it is the mainly the investment update, retaining everything else, and then setting up your beneficiaries' wills and power of attorney.","start":2002.015,"end":2011.47,"sentiment":"neutral","sentiment_score":0.2826207033519087},{"text":"But as I said, I'm gonna read through the risk advantages, disadvantages, and see how you feel about it.","start":2012.4099,"end":2018.01,"sentiment":"neutral","sentiment_score":0.1855425219002523}],"sentiment":"neutral","sentiment_score":0.2111819210918026,"num_words":94,"start":1985.18,"end":2018.01},{"sentences":[{"text":"And if you wanna have further discussion, happy days.","start":2018.01,"end":2020.0499,"sentiment":"positive","sentiment_score":0.38183338443438214},{"text":"If you're happy with the recommendation, yeah, you can go ahead and sign, and then it would just get implemented once the all the requirements are are done.","start":2020.0499,"end":2028.345,"sentiment":"positive","sentiment_score":0.39004027524164747},{"text":"But otherwise, I'll let you get back to you after noon.","start":2028.345,"end":2030.025,"sentiment":"neutral","sentiment_score":0.09542243385856802},{"text":"They're gonna not wanna take up all of it, and then I'm sure we'll be talking in the next sort of week or so.","start":2030.025,"end":2034.3269,"sentiment":"neutral","sentiment_score":0.011439424008131027},{"text":"Not a problem.","start":2037.6069,"end":2038.247,"sentiment":"positive","sentiment_score":0.6445234020551046}],"sentiment":"neutral","sentiment_score":0.23487188428640365,"num_words":75,"start":2018.01,"end":2038.247},{"sentences":[{"text":"Enjoy the rest of your afternoon, man.","start":2038.247,"end":2039.5269,"sentiment":"positive","sentiment_score":0.7829497371401105},{"text":"Thanks for your time.","start":2039.5269,"end":2040.507,"sentiment":"positive","sentiment_score":0.8257162570953369},{"text":"Yeah.","start":2042.7269,"end":2042.9669,"sentiment":"positive","sentiment_score":0.46949702501297},{"text":"Thanks.","start":2042.9669,"end":2043.2869,"sentiment":"positive","sentiment_score":0.6425755023956299},{"text":"Bye.","start":2043.2869,"end":2043.7869,"sentiment":"neutral","sentiment_score":-0.05633322894573212}],"sentiment":"positive","sentiment_score":0.7028037490589278,"num_words":14,"start":2038.247,"end":2043.7869}]}}]},{"alternatives":[{"transcript":"Hello. Wren speaking. Good, man. Yourself? Yeah. No worries. Yeah. Yeah. Ren Michael Vandersworth. 4th of the third 1987 and 22 Lazenby Avenue Ravensburg. Yeah. Yeah. They've actually yeah. They've all taken a big big change, mate. There's been a lot of shift in property in Perth. What's that? The the yeah. So it's down to, I think, it's $6.80, I think, now. I had a look yesterday. What about right? 6 hundred there? Yeah. Yeah. No. I got that wrong. Yeah. It's going up a lot in bed. That's all. Yes. No. Yeah. Yep. Yeah. That's fine, mate. Yeah. We'll just make it quick, man, and see if you Yeah. I probably need you. I'm sorry, actually. Yeah. Yeah. Yeah. Yeah. Yeah. I'm I'm just fine with it at the moment. Probably wouldn't mind talking to someone to see what I can do with more sort of equity in the houses, I Yeah. Well, we've got a lot of equity in this house and my rental and then my partner's gone as well, but I just do it my on my own sort of thing. Yeah. It's not a bad idea. Yeah. Yeah. Yeah. Alright. So any time for the day, sort of, it doesn't matter. I can do it for all the work. Yeah. Yeah. Okay. So what bit along is the one that's not doing too well and then infrastructure's doing well? Yeah. Okay. Yeah. Okay. Yeah. Because it's been a fair bit going to gold too, isn't it, over the last couple of years? Alright. How long will that be, you say? How long how long until it's not so until I have to risk so much? Or is it or is it just Yeah. Alright. Not too much. Long as it's all going well, but I haven't actually seen the balance for a while. I don't know how it's all going. Sure. Okay. Have you got the balance there at the moment? Okay. And what how much is that up from last year? What was it at last year? Okay. So it's up with that $20 in a year. Oh, okay. That's good to know. I'm sorry. I don't have any of that. Yeah. A lot better than what I was looking for paying that. So now I'm still happy with it all. Yeah. Okay. Yeah. Yeah. Yeah. No. Cool. Yeah. Yeah. Yeah. Alright. Okay. Yeah. Yeah. I'm seeing the it should be alright at the moment, I think. Yes. Yeah. Because I get income protection through my work. So should be able to cover there with that. And yeah. It's bringing us up. No. No. Probably getting more work. I need more work. So there's no drama. You know, yeah, just sorting out the rules for registering to do, I guess. Yeah. I need to do that. Yeah. It's just you know, I haven't got around here. Yeah. If you send it out, I'll I'll try and get on to it this time. My partner does. I'll just have to get ahead of that. Okay. Yeah. What's that one? Oh, okay. What one's expired by the last or whatever? Yeah. Okay. Yeah. Okay. Yeah. Yes. Good. Oh, okay. Yep. Alright. So what? We'll have to get manage funds up to a higher amount. Yes. No. No. No. I'm over there. Yes. So what can you remove? It's been a long one, can you? Yeah. No. I don't know. I'll just pull change. I thought, yeah, I'll just leave it to you guys and as long as you, you know, control it and keep it growing. That's the only ones. Oh, okay. Yep. Alright. So have a look at that page 16, see if I wanna change the portfolio. Alright. Yeah. Yeah. No. It's all good. I'm sorry. Yeah. It's it's a lot of different stuff for me to understand. But, yeah, now I'm sort of getting the gist of it. Yep. Oh, okay. Yeah. And so what I can choose so I sort of wanna invest in that 16 to to change bed along to someone else who's doing better on that. Okay. Well, yeah, I'll have a look at it and maybe maybe ring back up and or change whatever I need to change on on the email and send it back and then yeah. Change change that a bit longer. Yeah. I have a look and yeah. I'm pretty well, pretty much just trusting you guys to do what you think is best, I guess, with the all the investing in that, you know, you guys are probably better than me. That's for sure. Yeah. I'll have a look and then, yeah, I'll just give you a callback and then, yeah, go from there. Yeah. Yeah. Yeah. No. So I'll do this sometime next week, I guess. Yeah. Sounds good, man. Cheers. You too, man. 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Wren speaking. Good, man. Yourself? Yeah.\n\nNo worries. Yeah. Yeah. Ren Michael Vandersworth. 4th of the third 1987 and 22 Lazenby Avenue Ravensburg.\n\nYeah. Yeah. They've actually yeah. They've all taken a big big change, mate. There's been a lot of shift in property in Perth.\n\nWhat's that? The the yeah. So it's down to, I think, it's $6.80, I think, now. I had a look yesterday. What about right?\n\n6 hundred there? Yeah. Yeah. No. I got that wrong.\n\nYeah. It's going up a lot in bed. That's all. Yes. No.\n\nYeah. Yep. Yeah. That's fine, mate. Yeah.\n\nWe'll just make it quick, man, and see if you Yeah. I probably need you. I'm sorry, actually. Yeah. Yeah.\n\nYeah. Yeah. Yeah. I'm I'm just fine with it at the moment. Probably wouldn't mind talking to someone to see what I can do with more sort of equity in the houses, I Yeah.\n\nWell, we've got a lot of equity in this house and my rental and then my partner's gone as well, but I just do it my on my own sort of thing. Yeah. It's not a bad idea. Yeah. Yeah.\n\nYeah. Alright. So any time for the day, sort of, it doesn't matter. I can do it for all the work. Yeah.\n\nYeah. Okay. So what bit along is the one that's not doing too well and then infrastructure's doing well? Yeah. Okay.\n\nYeah. Okay. Yeah. Because it's been a fair bit going to gold too, isn't it, over the last couple of years? Alright.\n\nHow long will that be, you say? How long how long until it's not so until I have to risk so much? Or is it or is it just Yeah. Alright. Not too much.\n\nLong as it's all going well, but I haven't actually seen the balance for a while. I don't know how it's all going. Sure. Okay. Have you got the balance there at the moment?\n\nOkay. And what how much is that up from last year? What was it at last year? Okay. So it's up with that $20 in a year.\n\nOh, okay. That's good to know. I'm sorry. I don't have any of that. Yeah.\n\nA lot better than what I was looking for paying that. So now I'm still happy with it all. Yeah. Okay. Yeah.\n\nYeah. Yeah. No. Cool. Yeah.\n\nYeah. Yeah. Alright. Okay. Yeah.\n\nYeah. I'm seeing the it should be alright at the moment, I think. Yes. Yeah. Because I get income protection through my work.\n\nSo should be able to cover there with that. And yeah. It's bringing us up. No. No.\n\nProbably getting more work. I need more work. So there's no drama. You know, yeah, just sorting out the rules for registering to do, I guess. Yeah.\n\nI need to do that. Yeah. It's just you know, I haven't got around here. Yeah. If you send it out, I'll I'll try and get on to it this time.\n\nMy partner does. I'll just have to get ahead of that. Okay. Yeah. What's that one?\n\nOh, okay. What one's expired by the last or whatever? Yeah. Okay. Yeah.\n\nOkay. Yeah. Yes. Good. Oh, okay.\n\nYep. Alright. So what? We'll have to get manage funds up to a higher amount. Yes.\n\nNo. No. No. I'm over there. Yes.\n\nSo what can you remove? It's been a long one, can you? Yeah. No. I don't know.\n\nI'll just pull change. I thought, yeah, I'll just leave it to you guys and as long as you, you know, control it and keep it growing. That's the only ones. Oh, okay. Yep.\n\nAlright. So have a look at that page 16, see if I wanna change the portfolio. Alright. Yeah. Yeah.\n\nNo. It's all good. I'm sorry. Yeah. It's it's a lot of different stuff for me to understand.\n\nBut, yeah, now I'm sort of getting the gist of it. Yep. Oh, okay. Yeah. And so what I can choose so I sort of wanna invest in that 16 to to change bed along to someone else who's doing better on that.\n\nOkay. Well, yeah, I'll have a look at it and maybe maybe ring back up and or change whatever I need to change on on the email and send it back and then yeah. Change change that a bit longer. Yeah. I have a look and yeah.\n\nI'm pretty well, pretty much just trusting you guys to do what you think is best, I guess, with the all the investing in that, you know, you guys are probably better than me. That's for sure. Yeah. I'll have a look and then, yeah, I'll just give you a callback and then, yeah, go from there. Yeah.\n\nYeah. Yeah. No. So I'll do this sometime next week, I guess. Yeah.\n\nSounds good, man. Cheers. You too, man. Cheers.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.05183717608451843},{"text":"Wren speaking.","start":1.8399999,"end":2.58,"sentiment":"neutral","sentiment_score":0.05288747511804104},{"text":"Good, man.","start":6.64,"end":7.2,"sentiment":"positive","sentiment_score":0.42665213346481323},{"text":"Yourself?","start":7.2,"end":7.7,"sentiment":"neutral","sentiment_score":0.2251090407371521},{"text":"Yeah.","start":12.88,"end":13.2,"sentiment":"neutral","sentiment_score":0.2489812970161438}],"sentiment":"neutral","sentiment_score":0.212143818714789,"num_words":7,"start":1.4399999,"end":13.2},{"sentences":[{"text":"No 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wrong.","start":100.69,"end":101.505,"sentiment":"neutral","sentiment_score":-0.10174674727022648}],"sentiment":"neutral","sentiment_score":-0.05424675215035677,"num_words":10,"start":94.61,"end":101.505},{"sentences":[{"text":"Yeah.","start":102.064995,"end":102.384995,"sentiment":"neutral","sentiment_score":-0.042453132569789886},{"text":"It's going up a lot in bed.","start":102.384995,"end":103.505,"sentiment":"neutral","sentiment_score":-0.025917665234633853},{"text":"That's 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okay.","start":1405.675,"end":1406.155,"sentiment":"neutral","sentiment_score":0.010357887484133244},{"text":"What one's expired by the last or 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know.","start":1704.315,"end":1704.795,"sentiment":"neutral","sentiment_score":-0.10395774741967519}],"sentiment":"neutral","sentiment_score":-0.06947116751004667,"num_words":17,"start":1649.415,"end":1704.795},{"sentences":[{"text":"I'll just pull change.","start":1704.795,"end":1706.075,"sentiment":"neutral","sentiment_score":-0.058118127286434174},{"text":"I thought, yeah, I'll just leave it to you guys and as long as you, you know, control it and keep it growing.","start":1706.075,"end":1711.48,"sentiment":"neutral","sentiment_score":0.1574340569584266},{"text":"That's the only ones.","start":1712.1,"end":1713.24,"sentiment":"neutral","sentiment_score":0.03351098485291004},{"text":"Oh, okay.","start":1745.1499,"end":1745.71,"sentiment":"neutral","sentiment_score":0.15379569679498672},{"text":"Yep.","start":1745.71,"end":1746.21,"sentiment":"neutral","sentiment_score":0.19687607884407043}],"sentiment":"neutral","sentiment_score":0.11844182978658115,"num_words":34,"start":1704.795,"end":1746.21},{"sentences":[{"text":"Alright.","start":1785.885,"end":1786.2051,"sentiment":"neutral","sentiment_score":0.07594846934080124},{"text":"So have a look at that page 16, see if I wanna change the portfolio.","start":1786.2051,"end":1790.0651,"sentiment":"neutral","sentiment_score":0.08924751629432043},{"text":"Alright.","start":1834.59,"end":1835.09,"sentiment":"neutral","sentiment_score":0.11649280786514282},{"text":"Yeah.","start":1835.175,"end":1835.415,"sentiment":"neutral","sentiment_score":0.11817725002765656},{"text":"Yeah.","start":1835.415,"end":1835.915,"sentiment":"neutral","sentiment_score":0.13687625527381897}],"sentiment":"neutral","sentiment_score":0.09401092246959084,"num_words":19,"start":1785.885,"end":1835.915},{"sentences":[{"text":"No.","start":1840.775,"end":1841.015,"sentiment":"neutral","sentiment_score":-0.033355385065078735},{"text":"It's all good.","start":1841.015,"end":1841.655,"sentiment":"neutral","sentiment_score":0.12028688440720241},{"text":"I'm sorry.","start":1841.655,"end":1842.135,"sentiment":"neutral","sentiment_score":-0.030514830723404884},{"text":"Yeah.","start":1842.135,"end":1842.4551,"sentiment":"neutral","sentiment_score":0.03607640787959099},{"text":"It's it's a lot of different stuff for me to understand.","start":1842.4551,"end":1845.015,"sentiment":"neutral","sentiment_score":0.0727573697539893}],"sentiment":"neutral","sentiment_score":0.06127128232684401,"num_words":18,"start":1840.775,"end":1845.015},{"sentences":[{"text":"But, yeah, now I'm sort of getting the gist of it.","start":1845.015,"end":1847.515,"sentiment":"neutral","sentiment_score":0.16596728427843613},{"text":"Yep.","start":1875.145,"end":1875.645,"sentiment":"neutral","sentiment_score":-0.01733572781085968},{"text":"Oh, okay.","start":1880.4099,"end":1881.87,"sentiment":"neutral","sentiment_score":-0.01822246052324772},{"text":"Yeah.","start":1882.0099,"end":1882.33,"sentiment":"neutral","sentiment_score":0.01892523467540741},{"text":"And so what I can choose so I sort of wanna invest in that 16 to to change bed along to someone else who's doing better on that.","start":1882.33,"end":1891.485,"sentiment":"neutral","sentiment_score":0.0320850047948105}],"sentiment":"neutral","sentiment_score":0.0625387173752452,"num_words":43,"start":1845.015,"end":1891.485},{"sentences":[{"text":"Okay.","start":1917.8099,"end":1918.3099,"sentiment":"neutral","sentiment_score":0.010791439563035963},{"text":"Well, yeah, I'll have a look at it and maybe maybe ring back up and or change whatever I need to change on on the email and send it back and then yeah.","start":1920.5851,"end":1929.645,"sentiment":"neutral","sentiment_score":0.018497886418393165},{"text":"Change change that a bit longer.","start":1931.39,"end":1933.1699,"sentiment":"neutral","sentiment_score":-0.03556296850244204},{"text":"Yeah.","start":1963.83,"end":1964.15,"sentiment":"neutral","sentiment_score":0.1288074105978012},{"text":"I have a look and yeah.","start":1964.15,"end":1965.35,"sentiment":"neutral","sentiment_score":0.0984418752292792}],"sentiment":"neutral","sentiment_score":0.023985160475081587,"num_words":47,"start":1917.8099,"end":1965.35},{"sentences":[{"text":"I'm pretty well, pretty much just trusting you guys to do what you think is best, I guess, with the all the investing in that, you know, you guys are probably better than me.","start":1965.35,"end":1974.875,"sentiment":"positive","sentiment_score":0.6087169708574519},{"text":"That's for sure.","start":1974.875,"end":1975.855,"sentiment":"positive","sentiment_score":0.38262991110483807},{"text":"Yeah.","start":1976.875,"end":1977.115,"sentiment":"neutral","sentiment_score":0.2979466915130615},{"text":"I'll have a look and then, yeah, I'll just give you a callback and then, yeah, go from there.","start":1977.115,"end":1982.255,"sentiment":"neutral","sentiment_score":0.14833069279005653},{"text":"Yeah.","start":1995.91,"end":1996.15,"sentiment":"neutral","sentiment_score":0.11815275251865388}],"sentiment":"positive","sentiment_score":0.432390506026046,"num_words":58,"start":1965.35,"end":1996.15},{"sentences":[{"text":"Yeah.","start":1996.15,"end":1996.3099,"sentiment":"neutral","sentiment_score":0.11559626460075378},{"text":"Yeah.","start":1996.3099,"end":1996.55,"sentiment":"neutral","sentiment_score":0.1161307841539383},{"text":"No.","start":1996.55,"end":1996.87,"sentiment":"neutral","sentiment_score":0.06333597749471664},{"text":"So I'll do this sometime next week, I guess.","start":1996.87,"end":1999.035,"sentiment":"neutral","sentiment_score":0.14120402683814368},{"text":"Yeah.","start":2035.255,"end":2035.575,"sentiment":"positive","sentiment_score":0.4074184000492096}],"sentiment":"neutral","sentiment_score":0.1517936667570701,"num_words":13,"start":1996.15,"end":2035.575},{"sentences":[{"text":"Sounds good, man.","start":2035.575,"end":2036.535,"sentiment":"positive","sentiment_score":0.7567936579386393},{"text":"Cheers.","start":2036.535,"end":2037.035,"sentiment":"positive","sentiment_score":0.7120121717453003},{"text":"You too, man.","start":2040.855,"end":2041.495,"sentiment":"positive","sentiment_score":0.6196813782056173},{"text":"Cheers.","start":2041.495,"end":2041.917,"sentiment":"positive","sentiment_score":0.6245540380477905}],"sentiment":"positive","sentiment_score":0.6832489147782326,"num_words":8,"start":2035.575,"end":2041.917}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello. Wren speaking.\n\nChannel 0: Good afternoon, Ryan. It's Carl calling from Micro Financial. How are you today?\n\nChannel 1: Good, man. Yourself?\n\nChannel 0: Yeah. Not too bad at all. I just got you in for that presentation this afternoon.\n\nChannel 1: Yeah. No worries.\n\nChannel 0: Yep. Now's still a good time for you?\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Okay. Not a problem. Just to jump into that one today there, Brandon, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that.\n\nChannel 1: Ren Michael Vandersworth. 4th of the third 1987 and 22 Lazenby Avenue Ravensburg.\n\nChannel 0: Perfect. Now I know when booking in, you did speak to my colleague, and you did adjust some of your asset values and your debt values. One of those was sort of quite significant. Is that just because when we felt like I had a conversation end of last year, you hadn't really evaluated your homes, and then also you weren't a 100% sure on your actual levels?\n\nChannel 1: Yeah. Yeah. They've actually yeah. They've all taken a big big change, mate. There's been a lot of shift in property in Perth.\n\nChannel 0: Okay. Not a problem. And the amount that came off that debt value, was that due to anything, or is that just the fact that you might have just sort of disclosed the higher amount when we last spoke?\n\nChannel 1: What's that? The the\n\nChannel 0: The mortgage on your primary residence there?\n\nChannel 1: yeah. So it's down to, I think, it's $6.80, I think, now. I had a look yesterday.\n\nChannel 0: Oh, okay. Not a problem.\n\nChannel 1: What\n\nChannel 0: Because\n\nChannel 1: about\n\nChannel 0: we had\n\nChannel 1: right? 6\n\nChannel 0: it 700\n\nChannel 1: hundred there?\n\nChannel 0: and then, yeah, and then you stated 600, so it was just changed there.\n\nChannel 1: Yeah. Yeah. No. I got that wrong. Yeah.\n\nIt's going up a lot in bed. That's all.\n\nChannel 0: Yeah. Not a problem. I just thought that like, you maybe got some sort of inheritance or something like that, but I'll make a a copy here. The the SOA does state 600 there just given what you did disclose\n\nChannel 1: Yes.\n\nChannel 0: in\n\nChannel 1: No.\n\nChannel 0: the update there. I'll change it back to the $6.80. That's fine. If you did want an updated copy with that 1 figure change, that's more than fine as well. But in regards to the document there, Wren, I'll just be sending that out to your email at wren van I have bandaddress@gmail.com.\n\nIs that still your correct email?\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Now in regards to this one, you'll have your statement of advice, the appendix to it, the Okta services guide and financial services guide. And then there's the PDFs\n\nChannel 1: Yep.\n\nChannel 0: in regards to your super product and then the Vanguard index chart. Now I'm sort of aware of your time there as well because I know you do get quite busy. Did you want me to just go through, like, a quick run through for you, Renan? Come you can come back with any questions you might have in regards to the document or\n\nChannel 1: Yeah. That's fine, mate. Yeah.\n\nChannel 0: otherwise, we can, like, take our time and run through it a little bit more in-depth with you here today if you want to.\n\nChannel 1: We'll just make it quick, man, and see if you\n\nChannel 0: Okay. Not a problem at all. So in regards to that one, obviously, once that comes through your email, but, obviously, it's an advice piece prepared for yourself by myself and the team there as an authorized representative under OP Financial. Obviously, in regards to investments, we do it in regards to best interest you're trying to put you in a better position than where you're currently at. And with this advice piece, I know it is quite simple in the terms that you were pretty happy with how things were going.\n\nWe're just doing a review basically in regards to your investments just due to the Benelon and just doing a a total look. And we also did include some estate planning matters just given that you still don't have those in place in regards to your hub 24 beneficiary form there or the the wills and estate planning sort of side of things.\n\nChannel 1: Yeah. I probably need you. I'm sorry, actually.\n\nChannel 0: Yeah. Obviously, with that, given that you have, like, sort of a few assets there plus your couple of children and your your partner, it's important to have those sort of things in place in case anything did happen. In addition to that one, we did put limited scope in for your group cover because, obviously, you didn't wanna sort of look at changing that. We just put it limitedly in to illustrate the cost that it's currently costing impact that can have on super. As far as debt and property, you are happy managing these things yourself in regards to paying them down and the debts that are managing the property and looking at potentially another investment property.\n\nObviously, you have access to the people here as far as mortgage brokers are concerned and then also some trusted partners that we can refer you on to as far as mortgage brokers outside of OQ Financial as well.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: Now in regards to budgeting savings, obviously, you're happy managing that yourself in regards to doing your your renovations and enjoying some family time with holidays and have you. We can also send out the budget planner if you ever did want that just for you to manage your own sort of cash flow and budgeting day to day for your debts and holiday and things like that as well.\n\nChannel 1: Yeah. Yeah. Yeah. I'm I'm just fine with it at the moment. Probably wouldn't mind talking to someone to see what I can do with more sort of equity in the houses, I\n\nChannel 0: Yep. I can pass your details along to one of the Oaktree, like, trusted partners, a mortgage broker, just with your general details and what you're trying to do and potentially looking at refinancing or looking at potentially, like, another investment property if that's what you're after.\n\nChannel 1: Yeah. Well, we've got a lot of equity in this house and my rental and then my partner's gone as well, but I just do it my on my own sort of thing.\n\nChannel 0: Not a problem. Did you want me to make that email introduction for you so they can give you a phone call and then have a discussion with you?\n\nChannel 1: Yeah. It's not a bad idea.\n\nChannel 0: Not a problem. Obviously, there's a couple here we work with. So if you're not happy with the one we refer you on to, we can always pass you along to a different one as well. Is there a time that sort of better suits you? Obviously, I know you're in WA, so it's a bit of a a stretch there, but is it sort of more afternoons that work better?\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: I'll just sort of\n\nChannel 1: Alright.\n\nChannel 0: put lighters.\n\nChannel 1: So any time for the day, sort of, it doesn't matter. I can do it for all the work.\n\nChannel 0: Okay. Not a problem. In regards to that document there too, I'd say quite straightforward. We're just looking at retaining that hub twenty four, looking at change those underlying investments. We're recommending, obviously, you set up your beneficiary nominations, establish a will, and a power of attorney.\n\nI can also send through some information there for some local solicitor here, just their general wills and estates information booklet as well. And same thing goes, you can sort of utilize their service. They are a separate service or you can sort of find someone local to you, but at least it's a nice bit of information to have.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. Obviously, on page nine there, you will see that it is slightly if you the the mortgage details in regards to that primary residence, it does state 600 as you just said as $6.80. And then the page before that, you'll see just your general details. And then the page after that, you'll be able to see your insurances and your current superannuation fund and what you hold in terms of the value as of the date of the advice document. Then in regards to risk profile there, Ren, you score the growth.\n\nWe're still recommending you stay in the growth. The main difference in regards to recommendation versus what you've currently got. So you do have some active portions inside your current portions inside your current superannuation. Now one of those has been along, which hasn't performed great at all, and another one is ClearBridge rare infrastructure. Now that managed fund has performed quite well over the time since you've had it, but the recommended update in the way that sort of Ophi is going at the moment in terms of investment direction, they are looking at doing a lower cost, passive approach in returns to an index investment sort of split with the core and satellite as opposed to having some of those managed funds.\n\nNow the benefit of that is, obviously, it comes at a lower cost that reduces some volatility and it, like, eliminates that manager risk of having, like, what happened with Benelon. The the difference with that, though, is you don't have the potential to outperform the market. So with those managed funds, if the fund managers do their job and do well, the additional cost you pay, they have the ability to potentially outperform the markets by picking and choosing the investments they hold, Whereas those indexes just track the market indexes in whatever sort of region or industry that they're sort of based in. And then you're just tracking a certain amount of companies within that. And as they sort of rise and fall, it's dynamic in the sense that they'd update.\n\nBut in saying that, you won't be picking and choosing, like, the winners anymore to try and do better than what the market is doing, if that makes sense.\n\nChannel 1: Yeah. Okay. So what bit along is the one that's not doing too well and then infrastructure's doing well?\n\nChannel 0: Yeah. And they're your two managed funds, and at at the moment, it sort of, like, cancels out in regards to, like, obviously, one doing well and one doing poorly. But saying that Bedelon has done a lot worse than what the ClearBridge has done good over that twelve month period. So you're still down in terms of, like, your managed funds as opposed to, like, your index investment so far actually doing quite well. Now not to say that your super has done poorly in terms of, like, since you've been onboard, it's actually done quite well.\n\nObviously, with the market correction with the Iran war and then with what happened with Bennelong, it's obviously taken a bit of a dive. The Bennelong\n\nChannel 1: Yeah. Okay.\n\nChannel 0: one somewhat could have been avoided based because it was underlying investment issue at the end of last year that caused their initial dip, and then that was a further, like, exacerbated by the the war and causing all the markets to take a bit of a dive. You still did 5% off the fees for the the last twelve months, which obviously isn't fantastic with everything going on. It's sort of expected to have a little bit of a lull year, but it could have been a bit better if you didn't have that 10% sort of in that Ben Long managed fund, if that makes sense.\n\nChannel 1: Yeah. Okay. Yeah. Because it's been a fair bit going to gold too, isn't it, over the last couple of years?\n\nChannel 0: Yes. So you still hold. Let me just see how much it's actually sitting at the moment. Gold at the moment, given how much it's sort of gone up, it's done around 35.5% over the last twelve months with that one. And then with the update, you'll still hold gold, and it will still be an active portion.\n\nLike, well, a portion of your portfolio will correct a little bit. They'll sell down a bit because with how well it's done, it jumped out to about 20% of your portfolio. And then with that, it'll come back to to about 10 with the rebalance. And then you'll have some bank hybrids, which is your defensive portion. They are getting phased out.\n\nSo in the future, that won't be in your portfolio, but that's still a defensive portion. You'll have an allocation to cybersecurity, and then the key holdings will be the S and P five hundred, which will be around 30%. And then you'll also have the BetaShares Australia two hundred, which is sort of the replacement for Benelon in the Australian market, and that'll be 20%. And then you'll have a few other satellites with Europe, Japan, and then a Vanguard all with excluding US investment. Pardon me.\n\nAnd that'll be sort of from 5% just to have you some exposure in some different geographical locations outside those key holdings that you do hold.\n\nChannel 1: Alright.\n\nChannel 0: Now, obviously, with how sort of things are, you will get a guarantee that you will be saving money with that investment change. And then with that, that'll obviously go to be out of being reinvested. Historically, over the past, like, three year rolling averages, it has performed better with the index funds, as opposed to, obviously, Chris having that been along and how well it's done, it sort of hindered your growth a little bit. And not to say, as I said, that it's performed horrendously since your time on board. But given the last twelve months, the investment committee is moving away from that.\n\nAnd then with that with the update to save on cost and then also smooth out some volatility for some longer term growth with how well the markets have been doing over that three to five year period, The indexes have been performing quite well. And then hopefully, like, moving forward, they'll continue to have that steady growth, and you won't have to take on as much managed risk as you do currently and still have the same, like, allocation to to growth assets, if not just slightly more with less sort of risk in regards to those picking and choosing of those winners, if that makes sense.\n\nChannel 1: How long will that be, you say?\n\nChannel 0: Pardon?\n\nChannel 1: How long how long until it's not so until I have to risk so much? Or is it or is it just\n\nChannel 0: So in regards to that, you'll still have, like, an eighty twenty split into sort of growth assets to defensive assets. You just won't carry the manager risk of those managed funds if you were to take on the update. Now the alternative, if you did still wanna maintain level of active management, you could, like, keep the the ClearBridge or you could sort of have an actively managed fund. But with that, you carry that manager risk still, and it comes at a higher investment cost. And there is still the potential that much like sort of Ben Lung has, like, a bad year where they pick and choose a wrong investment and have quite a significant drop.\n\nAnd then with that, you're sort of waiting on those good years to to come back, whereas the index is it does what the markets are doing and attracts the markets. Now, obviously, with what's going on at the moment, the markets aren't doing term fantastic, but neither are the managed funds. And then with that, if\n\nChannel 1: Yeah.\n\nChannel 0: the market's doing well and you're getting growth in the economy, then those indexes track quite nicely. And the S and P 500, if you look at sort of, you know, $10,000 invested back way back when versus, like, sort of those managed funds. The indexes tend to, over the long term, provide better sort of returns and more consistent returns through those goods as well as opposed to taking on the more managed risk of someone trying to pick and choose what is happening through that time frame. Do you have any questions regarding that at all, Ryan?\n\nChannel 1: Alright. Not too much. Long as it's all going well, but I haven't actually seen the balance for a while.\n\nChannel 0: Yeah.\n\nChannel 1: I don't know\n\nChannel 0: As\n\nChannel 1: how\n\nChannel 0: I\n\nChannel 1: it's\n\nChannel 0: said,\n\nChannel 1: all going.\n\nChannel 0: obviously, in the past three months there since the the war and everything kicked off, it's not doing too fantastic. And likely, it'll sort of still be quite stagnant until that sort of resolved in terms of, like, your time tool for retirement. It is a little bit of a blip on the radar, so I'm not too sure how much you paid attention with, like, the tariff talk and how that affected your super originally, but it took quite\n\nChannel 1: Sure.\n\nChannel 0: a dive at the start of the year. And then it recovered nicely from that, and then, obviously, this is a bit of a just a double whammy. But since you've been on board after fees, you've done around 22.6. And then with that, it's sort of grown nicely in that period as well with how much you've put in, obviously, in regards to the growth that you're getting out of it as well.\n\nChannel 1: Okay.\n\nChannel 0: Because\n\nChannel 1: Have\n\nChannel 0: I believe\n\nChannel 1: you got the balance there at the moment?\n\nChannel 0: yep. It's around a $132,464.\n\nChannel 1: Okay. And what\n\nChannel 0: Yeah.\n\nChannel 1: how\n\nChannel 0: But\n\nChannel 1: much\n\nChannel 0: I\n\nChannel 1: is that up from last year? What was it at last year?\n\nChannel 0: so if I go just down to, like, a dollar figure around sort of let's just double check. In gen January 2025 or February 2025 is around 113,000.\n\nChannel 1: Okay. So it's up with that $20 in a year.\n\nChannel 0: And that's, like, obviously contributions and growth. It was up around the $1.40 mark before, obviously, the Benelong and then the wall kicking off, and then it's just taking a bit of a a correction.\n\nChannel 1: Oh, okay. That's good to know.\n\nChannel 0: Yeah. And I believe,\n\nChannel 1: I'm\n\nChannel 0: like,\n\nChannel 1: sorry.\n\nChannel 0: when\n\nChannel 1: I\n\nChannel 0: you\n\nChannel 1: don't\n\nChannel 0: came\n\nChannel 1: have any\n\nChannel 0: on\n\nChannel 1: of\n\nChannel 0: board,\n\nChannel 1: that.\n\nChannel 0: your balance was around, like, the 77 sort of mark, so it's been pretty steady, consistent sort of growth.\n\nChannel 1: Yeah. A lot better than what I was looking for paying that. So now I'm still happy with it all.\n\nChannel 0: Yeah. And then although, like, it could have been a bit better, like, it is, like, in the expected range, it was, like, annualized figure as well. I think it's around a bit over sort of 7% around that sort of just under 8% of, like, an annualized figure even with the dip that has occurred, and it would be a bit higher if that didn't occur, and that's after fees as well, not like a before fee thing.\n\nChannel 1: Yeah. Okay.\n\nChannel 0: And then with that, like, obviously, moving forward, the investment fee would drop. So it would mean you'd have more money going into investments and the returns and getting that returns. I think it's around $426 you'd be saving in investment cost by not having those managed funds and not taking the gamble and just sort of tracking what the market indexes are doing. It's not to say you can't revisit it in the future as well and potentially add some form of active portion back. But at the moment, with the way things are being quite volatile and trying to pick those winners, being an index is a bit of a safer option.\n\nAnd then going forward, you are saving money with that as well while having a nice group of diversification in your portfolio.\n\nChannel 1: Yeah. Yeah. Yeah. No. Cool.\n\nChannel 0: Yep. Perfect. So, yeah, within regards to that one, but moving more to a more diversified portfolio, you get a nice market exposure. And then from there, you will have a a bit lower volatility through that diversification and the lack of manager risk, and then you'll still maintain, obviously, the transparency in your suit for being able to monitor your investments as opposed to being in, like, a a separately managed account and things like that as well. So you'll be able to see how things are doing individually.\n\nAnd if you ever did see something that you're a bit worried about, you can always give us a call and address it as well. Obviously, over the next three to six months, it might not be doing too fantastic even with the the change, and that's purely because, like, the markets themselves aren't doing too fantastic.\n\nChannel 1: Yeah. Yeah. Yeah.\n\nChannel 0: Yep.\n\nChannel 1: Alright.\n\nChannel 0: And, yeah, obviously, with that, you'll still maintain the group insurances having hub and not changing platforms either. You'll have the benefit of not having to pay full CGT. The sell downs will just be on the the assets that are changing, and you will be able to have a look at those and see the actual changes themselves on page 16 and just review what's selling and what's buying and make sure you are happy with that. And then if you did have any concerns, there also are some links in the appendix to be able to review those investments that we are recommending that are new. And then you'll be able to see what is selling out and what's maintaining out of your current portfolio there as well.\n\nAnd given that S and P 500 still is a key component of that, you'll save on any capital gains that you've got from holding that investment previously.\n\nChannel 1: Okay.\n\nChannel 0: That makes sense?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Obviously, there is a projection there as well, but that's to be taken with a grain of salt. No one knows really what the markets are gonna do, and then the markets aren't gonna replicate. So we use the rolling averages, but in saying that no one's gonna sort of have the markets replicate three years from the same three years or five years from the same five years, it just means that it just based it on a historical data. And then with that, the main thing is that you will be saving on money.\n\nYou'll have a bit more diversification, and you'll reduce your your manager risk while still maintaining adequate exposure to growth assets to try and get that growth. Now we did also include the needs analysis just to illustrate potential shortfalls in your insurance coverage. Obviously, you're happy with the group cover that you do have in aiming at being somewhat more self insured through your investment and property outside of super, so that's more than fine. It's just something to be aware of. That should anything happen.\n\nYou do have to sort of potentially bridge some gaps in regards to ongoing costs and living and things like that, either through government assistance programs or potentially having to sell investment properties and things like that. Does that make sense as well?\n\nChannel 1: Yeah. I'm seeing the it should be alright at the moment, I think.\n\nChannel 0: Yeah. Because you do have the group cover in Hunt '24 for five hundred and ninety thousand in death and total permanent disability. But, obviously, if you're off work, unable to work with regards to, like, trying to claim on income protection, things like that, you just don't have that that cover at the moment, which is something to be aware of. And then giving you a statement too on how you'd like to distribute your funds between your your partner and your children, we just recommended doing 50¢ to your partner and 25% to each child. Now you can obviously just pick your partner and just have to leave it a 100¢ to the spouse and then through the will on that, should anything happen, like, leave it to the children and things like that through the setup of that.\n\nAt the moment, given the kids are 18, your spouse, you just spouse, they're both or all three of them are tax dependent, so they would receive the funds tax free. If a child's over the 18 and no longer financially supported, they may not form a tax dependent, which just means that they may get charged additional taxes there. So when it gets to that stage, it might just be partner and working through your state and things like that in regards to your will to sort of better manage it in future, if that makes sense.\n\nChannel 1: Yes.\n\nChannel 0: Yep. And then with that, establishing a will, just so you do have that in place for you, estate assets versus United States assets being your super, and then setting up a power of attorney in conjunction with that just to ensure if anything did happen to you, whoever your power of attorney is is able to make some financial or health related decisions for you if you're somewhat incapacitated. So that'll make sense in regards to your state planning sort of thing?\n\nChannel 1: Yeah. Because I get income protection through my work.\n\nChannel 0: Yeah. Yep.\n\nChannel 1: So should be able to cover there with that. And yeah. It's bringing us up. No. No.\n\nProbably getting more work. I need more work. So there's no drama. You know, yeah, just sorting out the rules for registering to do, I guess.\n\nChannel 0: Yep. That's perfect. And then we can send you out another copy of your hub 24 beneficiary if you'd like.\n\nChannel 1: Yeah. I need to do that. Yeah. It's just you know, I haven't got around here. Yeah.\n\nIf you\n\nChannel 0: And\n\nChannel 1: send it\n\nChannel 0: do you have\n\nChannel 1: out, I'll I'll try and get on to it this time.\n\nChannel 0: and do you have access to a printer at all?\n\nChannel 1: My partner does. I'll just have to get ahead of that.\n\nChannel 0: Yep. Perfect. With that one, whoever you nominate, obviously, can't be a witness signature on that. So if you do nominate your partner, she can't witness it as well. It has to be two people over the age of 18 that are on the beneficiaries.\n\nAnd then from there, I'll\n\nChannel 1: Okay.\n\nChannel 0: email out the CDM information in regards to visiting a solicitor or just getting some general information before going to see a solicitor in regards to setting up a will and a power of attorney with that just so you have the information as well. In\n\nChannel 1: Yeah.\n\nChannel 0: addition to that one, your ID is currently expired as well in terms of, like, the one we have on file, so we would have to update that before we implement anything as well for you. So\n\nChannel 1: What's that\n\nChannel 0: with\n\nChannel 1: one?\n\nChannel 0: an ID, so just for, like, AML risk or anti money laundering verifications and things like that and to ensure you're still a real person and alive. We're gonna have a valid ID on file before implementing advice.\n\nChannel 1: Oh, okay. What one's expired by the last or whatever? Yeah. Okay.\n\nChannel 0: Yeah. So if you just send in a front back copy, even just respond to the email I send out with the ID photo, whether it's your driver's license or passport, just front and back, and then we can get\n\nChannel 1: Yeah.\n\nChannel 0: that all implemented too. In regards to\n\nChannel 1: Okay.\n\nChannel 0: another document that is outstanding, but it isn't in the document pack that says it's just a tax file opt in form as well. They've just updated the form where we store your tax file number. So at some point, they'll probably send that out to you just to be able to sign to where we store your tax file number moving forward as opposed to where we've stored it previously just to be a little bit more compliant and keeping things updated, if that makes sense.\n\nChannel 1: Yeah.\n\nChannel 0: Perfect. And then with regards to the fees, you'll still be on the same fee structure with that. And then with based on your current balance, 1.65%, it'll be roughly around $2,400 and $2,472 as an annual fee. But, obviously, that depends on how the markets grow and perform because it is a monthly figure based on the percentage balance at that time across twelve months. So if the markets do well, it obviously goes up a bit if they sort of stay stagnant or go down a little bit in that time frame.\n\nIt actually charges you a bit less, so it proportionates it a little bit more across the year and how the markets are performing.\n\nChannel 1: Yes. Good.\n\nChannel 0: Perfect. One of the other main sort of risks or disadvantages to sort of pay attention to given the current volatility in the market, though, is with those changes, If the markets were to sort of jump up while you're in cash, there's a potential that you sort of miss out on that little bit of growth. If they go the other way while you're in cash, it's obviously a bit of a benefit. But given how volatile the markets are and how much they're sort of changing day on day, whether it's ups and downs, Just doing that regards to those time it takes to sell down those investments and be reinvested, there is about that two week period where you could be not invested or being cash or waiting for a sell down to where you'd be reinvested. So within that period, if it drops, fantastic.\n\nYou get a little bit of a a sale. If it goes back up, you bought at a little bit higher of a cost base than what you would sort of be selling at in terms of, like, the market cost. Does that make sense?\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: So that's sort of the main risk to be considering in regards to the change. And then, obviously, with that as well, you wouldn't have those those managed funds. So you wouldn't have the ability to outperform the markets moving forward until such time that gets adjusted and you put those managed funds, like, back in if that's something you wanted in future as well.\n\nChannel 1: Alright. So what? We'll have to get manage funds up to a higher amount.\n\nChannel 0: So it just depends on what level of risk you wanna take. Obviously, the business at the moment, Oakview's, like, investment community is leaning towards the more passive index approach in regards to how well the markets have been performing and then the cost of those investments as opposed to those managed funds. And then with how Bandelon has performed, they are moving away from that investment. Not to say that you can't have managed funds in the future or if you did really want that ability to potentially outperform the markets and have that little bit more risk even with the same allocation to growth. It is something you can have.\n\nIt's just a a personal investment decision. Obviously, I'm recommending the more passive index approach at a cheaper cost given the current markets. Not so to say that you can't sort of say I want the active management or in future want the active management back to try and outperform the markets again. Yep. Do you have any questions\n\nChannel 1: Yes.\n\nChannel 0: in regards to that, Ren?\n\nChannel 1: No. No. No. I'm over there.\n\nChannel 0: Yeah. So, obviously, we did consider rebalancing the portfolio and just removing the Benelon. However, based on the historical performance and the recommended portfolio, just having a mixture of those acts assets and having the future diversification with the recommendation. We just lent towards more going that index approach with a bit better diversification and a bit better mix in terms of, like, the investments you hold and the cost you're paying for those.\n\nChannel 1: Yes. So what can you remove? It's been a long one, can you?\n\nChannel 0: Yep. So if you looked at this and go, actually, I'm happy with my portfolio overall, and I just wanna get rid of the underperforming Benelon and switch it out for, like, the BetaShares Australian 200, which is the comparative sort of option there, you could do that as well and just have the 10% in the Australian 200 and then keep the rest of your investments the same or somewhat jig it a little bit differently because you do have the Raffy Australian 200 currently, which is Australian 200 index list. It's just calculated a little bit differently to the the the beta shares Australian two hundred. So with that, you might have some overlapping there if you were to just do the 10% bet along for the beta shares Australian 200. But that is an option there for you as well if you're happy with how your portfolio is currently doing and don't actually wanna do a full change.\n\nChannel 1: Yeah. No. I don't know. I'll just pull change. I thought, yeah, I'll just leave it to you guys and as long as you, you know, control it and keep it growing.\n\nThat's the only\n\nChannel 0: Yeah.\n\nChannel 1: ones.\n\nChannel 0: So, obviously, we're recommending, like, a a full update of the portfolio, which will mean a bit more of a significant change. And that also means that with how Benelon has performed, it would offset the the loss that did occur, some of the the capital gains when switching up the portfolio now. But as I said, if you did review it and sort of still wanna keep your ClearBridge active management and then keep the rest of your portfolio with how it has been performing over the last few years, and then just switching out the bet along, that's an option for you as well. But\n\nChannel 1: Oh, okay. Yep.\n\nChannel 0: yeah. Yeah. But the recommendation, obviously, is to change the portfolio a little bit more significantly, and you can see that on page 16, the recommendations. But make sure, you know, have a read through it, see if you are happy with that change. And then if not, you can sort of let us know because at the moment too, you do have some exposure to, like, food.\n\nYou also have a bit of exposure there in that actively managed portion as I was saying. And then you've got that Rafi Australian 200, which is calculated and settled a bit differently to the beta shares Australian 200 in terms of, like, the top 200 companies in Australia and how they'll pick those in regards to the metrics they use to pick those top 200.\n\nChannel 1: Alright. So have a look at that page 16, see if I wanna change the portfolio.\n\nChannel 0: Yeah. So, obviously, you can see your current portfolio on the left in regards to the current weightings you currently have. And then on the right hand side, you'll be able to see the buyers and sales to get to the portfolio that we are recommending. But if you aren't happy with that, you can just let us know. We can sort of work with you to to make some changes.\n\nOr if you did decide that I want the active management from high cost to potentially outperform the market, we can sort of work with that as well to try and do that. But, obviously, the recommendation is to go a bit more passive index at a lower cost to aim for some savings in terms of the investment cost and aim for those high performed performance over the the long term through the indexed investments?\n\nChannel 1: Alright. Yeah. Yeah.\n\nChannel 0: Yep. Do you have any questions in regards to that, Ryan?\n\nChannel 1: No. It's all good. I'm sorry. Yeah. It's it's a lot of different stuff for me to understand.\n\nBut, yeah, now I'm sort of getting the gist of it.\n\nChannel 0: Yeah. A lot of information coming at you. So, obviously, take your time. I don't wanna take up all of your afternoon there, but take your time. Have a read through it.\n\nAs I said, the main switch page is on that page 16 if you'd be able to see the changes. And then in the appendix, you'll be able to see the recommended investment list. So you'll still have the main core of your portfolio. It's the sort of outside, satellites that will be changing majority. And in regards\n\nChannel 1: Yep.\n\nChannel 0: to not having those managed funds is like a key change as well.\n\nChannel 1: Oh, okay. Yeah. And so what I can choose so I sort of wanna invest in that 16 to to change bed along to someone else who's doing\n\nChannel 0: So,\n\nChannel 1: better\n\nChannel 0: yeah,\n\nChannel 1: on that.\n\nChannel 0: at the at the moment, like, that is the the recommended change. But if you're not happy with the recommended change, then we can look to maybe do something else and keep the active management. But at the moment, we are getting rid of Bandalong. We're getting rid of the ClearBridge rare infrastructure, which are both your managed funds, and then some changes to your other underlying satellite to adjust that for what we believe, like, the markets will be doing sort of in the next five to seven years.\n\nChannel 1: Okay. Well, yeah,\n\nChannel 0: Yeah.\n\nChannel 1: I'll have a look at it and maybe maybe ring back up and or change whatever I need to change on on the email and send it back and then yeah.\n\nChannel 0: Yeah.\n\nChannel 1: Change change that a\n\nChannel 0: Phone\n\nChannel 1: bit\n\nChannel 0: call\n\nChannel 1: longer.\n\nChannel 0: is probably a bit easier than a email, Trevor. But if you respond to my email that I send out and you go, I'm actually not I want some changes in regards to what you did recommend, we can sort of have another phone call and see what you'd rather have and what you don't like about what my recommendation was. But if you are happy with the recommendation of that portfolio, then you can obviously just sign the document, and then we'll get that implemented for you after the ID is received. But, otherwise, I'll leave you in your hands to be able to have a read through and see if you're happy with it or not.\n\nChannel 1: Yeah. I have a look and yeah. I'm pretty well, pretty much just trusting you guys to do what you think is best, I guess, with the all the investing in that, you know, you guys are probably better than me. That's for sure. Yeah.\n\nI'll have a look and then, yeah, I'll just give you a callback and then, yeah, go from there.\n\nChannel 0: Not a problem. Obviously, it goes a bit too late. I'll probably won't be at work this afternoon, but choose an email there as well, and we can get you booked back in a time to to discuss any concerns you might have.\n\nChannel 1: Yeah. Yeah. Yeah. No. So I'll do this sometime next week, I guess.\n\nChannel 0: Not a problem at all, Rhen. Obviously, yeah, quite straightforward in the sense that it is the mainly the investment update, retaining everything else, and then setting up your beneficiaries' wills and power of attorney. But as I said, I'm gonna read through the risk advantages, disadvantages, and see how you feel about it. And if you wanna have further discussion, happy days. If you're happy with the recommendation, yeah, you can go ahead and sign, and then it would just get implemented once the all the requirements are are done.\n\nBut otherwise, I'll let you get back to you after noon. They're gonna not wanna take up all of it, and then I'm sure we'll be talking in the next sort of week or so.\n\nChannel 1: Yeah. Sounds good, man. Cheers.\n\nChannel 0: Not a problem. Enjoy the rest of your afternoon, man. Thanks for your time.\n\nChannel 1: You too, man. Cheers.\n\nChannel 0: Yeah. Thanks. Bye.","paragraphs":[{"sentences":[{"text":"Hello.","start":1.4399999,"end":1.8399999,"sentiment":"neutral","sentiment_score":0.05183717608451843},{"text":"Wren speaking.","start":1.8399999,"end":2.58,"sentiment":"neutral","sentiment_score":0.05288747511804104}],"sentiment":"neutral","sentiment_score":0.05253737544020017,"channel":1,"num_words":3,"start":1.4399999,"end":2.58},{"sentences":[{"text":"Good afternoon, Ryan.","start":3.04,"end":3.84,"sentiment":"positive","sentiment_score":0.44522621234258014},{"text":"It's Carl calling from Micro Financial.","start":3.84,"end":5.44,"sentiment":"neutral","sentiment_score":0.3104451596736908},{"text":"How are you today?","start":5.44,"end":6.2599998,"sentiment":"neutral","sentiment_score":0.33213573694229126}],"sentiment":"positive","sentiment_score":0.34822250329531157,"channel":0,"num_words":13,"start":3.04,"end":6.2599998},{"sentences":[{"text":"Good, man.","start":6.64,"end":7.2,"sentiment":"positive","sentiment_score":0.42665213346481323},{"text":"Yourself?","start":7.2,"end":7.7,"sentiment":"neutral","sentiment_score":0.2251090407371521}],"sentiment":"positive","sentiment_score":0.35947110255559284,"channel":1,"num_words":3,"start":6.64,"end":7.7},{"sentences":[{"text":"Yeah.","start":8.16,"end":8.48,"sentiment":"neutral","sentiment_score":0.2542898654937744},{"text":"Not too bad at all.","start":8.48,"end":9.28,"sentiment":"neutral","sentiment_score":0.3221285045146942},{"text":"I just got you in for that presentation this afternoon.","start":9.28,"end":11.54,"sentiment":"positive","sentiment_score":0.374714994430542}],"sentiment":"positive","sentiment_score":0.3507551457732916,"channel":0,"num_words":16,"start":8.16,"end":11.54},{"sentences":[{"text":"Yeah.","start":12.88,"end":13.2,"sentiment":"neutral","sentiment_score":0.2489812970161438},{"text":"No worries.","start":13.2,"end":13.86,"sentiment":"neutral","sentiment_score":0.272835835814476}],"sentiment":"neutral","sentiment_score":0.2648843228816986,"channel":1,"num_words":3,"start":12.88,"end":13.86},{"sentences":[{"text":"Yep.","start":14.415,"end":14.735001,"sentiment":"neutral","sentiment_score":0.30692431330680847},{"text":"Now's still a good time for you?","start":14.735001,"end":16.275002,"sentiment":"positive","sentiment_score":0.44389372212546213}],"sentiment":"positive","sentiment_score":0.4267725460231304,"channel":0,"num_words":8,"start":14.415,"end":16.275002},{"sentences":[{"text":"Yeah.","start":16.904999,"end":17.225,"sentiment":"neutral","sentiment_score":0.1907820850610733},{"text":"Yeah.","start":17.225,"end":17.725,"sentiment":"neutral","sentiment_score":0.17450091242790222}],"sentiment":"neutral","sentiment_score":0.18264149874448776,"channel":1,"num_words":2,"start":16.904999,"end":17.725},{"sentences":[{"text":"Okay.","start":18.335,"end":18.655,"sentiment":"neutral","sentiment_score":0.16731341183185575},{"text":"Not a problem.","start":18.655,"end":19.395,"sentiment":"neutral","sentiment_score":0.25905275344848633},{"text":"Just to jump into that one today there, Brandon, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that.","start":19.695,"end":25.62,"sentiment":"neutral","sentiment_score":0.17109060054644942}],"sentiment":"neutral","sentiment_score":0.17831585804621378,"channel":0,"num_words":36,"start":18.335,"end":25.62},{"sentences":[{"text":"Ren Michael Vandersworth.","start":27.465,"end":29.164999,"sentiment":"neutral","sentiment_score":0.0365810419122378},{"text":"4th of the third 1987 and 22 Lazenby Avenue Ravensburg.","start":29.59,"end":32.65,"sentiment":"neutral","sentiment_score":0.05328666605055332}],"sentiment":"neutral","sentiment_score":0.049431522018634357,"channel":1,"num_words":13,"start":27.465,"end":32.65},{"sentences":[{"text":"Perfect.","start":34.18,"end":34.68,"sentiment":"positive","sentiment_score":0.6030051708221436},{"text":"Now I know when booking in, you did speak to my colleague, and you did adjust some of your asset values and your debt values.","start":34.82,"end":41.565002,"sentiment":"neutral","sentiment_score":0.024636140167713164},{"text":"One of those was sort of quite significant.","start":42.345,"end":44.745003,"sentiment":"neutral","sentiment_score":-0.14857652690261602},{"text":"Is that just because when we felt like I had a conversation end of last year, you hadn't really evaluated your homes, and then also you weren't a 100% sure on your actual levels?","start":44.745003,"end":54.205,"sentiment":"neutral","sentiment_score":-0.10239745413555819}],"sentiment":"neutral","sentiment_score":-0.05075319089433726,"channel":0,"num_words":68,"start":34.18,"end":54.205},{"sentences":[{"text":"Yeah.","start":56.56,"end":56.800003,"sentiment":"neutral","sentiment_score":-0.010725798085331917},{"text":"Yeah.","start":56.800003,"end":57.120003,"sentiment":"neutral","sentiment_score":-0.00854521244764328},{"text":"They've actually yeah.","start":57.120003,"end":57.920002,"sentiment":"neutral","sentiment_score":-0.030612158278624218},{"text":"They've all taken a big big change, mate.","start":57.920002,"end":60.24,"sentiment":"neutral","sentiment_score":-0.018343591131269932},{"text":"There's been a lot of shift in property in Perth.","start":60.24,"end":63.06,"sentiment":"neutral","sentiment_score":-0.05312236398458481}],"sentiment":"neutral","sentiment_score":-0.03430781975064589,"channel":1,"num_words":23,"start":56.56,"end":63.06},{"sentences":[{"text":"Okay.","start":64.27,"end":64.59,"sentiment":"neutral","sentiment_score":0.03563934564590454},{"text":"Not a problem.","start":64.59,"end":65.149994,"sentiment":"neutral","sentiment_score":0.05644902586936951},{"text":"And the amount that came off that debt value, was that due to anything, or is that just the fact that you might have just sort of disclosed the higher amount when we last spoke?","start":65.149994,"end":75.915,"sentiment":"neutral","sentiment_score":-0.009056000943694796}],"sentiment":"neutral","sentiment_score":-0.0028711181993667898,"channel":0,"num_words":39,"start":64.27,"end":75.915},{"sentences":[{"text":"What's that?","start":77.975,"end":78.615,"sentiment":"neutral","sentiment_score":-0.02413371205329895},{"text":"The the","start":78.615,"end":79.354996,"sentiment":"neutral","sentiment_score":-0.03051754552870989}],"sentiment":"neutral","sentiment_score":-0.02732562879100442,"channel":1,"num_words":4,"start":77.975,"end":79.354996},{"sentences":[{"text":"The mortgage on your primary residence there?","start":79.655,"end":81.995,"sentiment":"neutral","sentiment_score":-0.03154734814805644}],"sentiment":"neutral","sentiment_score":-0.03154734814805644,"channel":0,"num_words":7,"start":79.655,"end":81.995},{"sentences":[{"text":"yeah.","start":84.134995,"end":84.375,"sentiment":"neutral","sentiment_score":-0.01097380556166172},{"text":"So it's down to, I think, it's $6.80, I think, now.","start":84.375,"end":89.43,"sentiment":"neutral","sentiment_score":-0.007082437673075633},{"text":"I had a look yesterday.","start":90.53,"end":91.51,"sentiment":"neutral","sentiment_score":-0.004693474061787129}],"sentiment":"neutral","sentiment_score":-0.0066087053102605485,"channel":1,"num_words":17,"start":84.134995,"end":91.51},{"sentences":[{"text":"Oh, okay.","start":92.72,"end":93.28,"sentiment":"neutral","sentiment_score":0.02072340715676546},{"text":"Not a problem.","start":93.28,"end":93.92,"sentiment":"neutral","sentiment_score":0.02300442506869634}],"sentiment":"neutral","sentiment_score":0.02209201790392399,"channel":0,"num_words":5,"start":92.72,"end":93.92},{"sentences":[{"text":"What","start":93.89,"end":94.13,"sentiment":"neutral","sentiment_score":-0.010272005572915075}],"sentiment":"neutral","sentiment_score":-0.010272005572915075,"channel":1,"num_words":1,"start":93.89,"end":94.13},{"sentences":[{"text":"Because","start":93.92,"end":94.240005,"sentiment":"neutral","sentiment_score":-0.011936720460653303}],"sentiment":"neutral","sentiment_score":-0.011936720460653303,"channel":0,"num_words":1,"start":93.92,"end":94.240005},{"sentences":[{"text":"about","start":94.13,"end":94.45,"sentiment":"neutral","sentiment_score":-0.018021969124674797}],"sentiment":"neutral","sentiment_score":-0.018021969124674797,"channel":1,"num_words":1,"start":94.13,"end":94.45},{"sentences":[{"text":"we had","start":94.240005,"end":94.64,"sentiment":"neutral","sentiment_score":-0.01103381533175707}],"sentiment":"neutral","sentiment_score":-0.01103381533175707,"channel":0,"num_words":2,"start":94.240005,"end":94.64},{"sentences":[{"text":"right?","start":94.45,"end":94.61,"sentiment":"neutral","sentiment_score":-0.010696162469685078},{"text":"6","start":94.61,"end":94.77,"sentiment":"neutral","sentiment_score":-0.02151809073984623}],"sentiment":"neutral","sentiment_score":-0.016107126604765654,"channel":1,"num_words":2,"start":94.45,"end":94.77},{"sentences":[{"text":"it 700","start":94.64,"end":95.44,"sentiment":"neutral","sentiment_score":-0.017296762205660343}],"sentiment":"neutral","sentiment_score":-0.017296762205660343,"channel":0,"num_words":2,"start":94.64,"end":95.44},{"sentences":[{"text":"hundred there?","start":94.77,"end":95.67,"sentiment":"neutral","sentiment_score":-0.017390074208378792}],"sentiment":"neutral","sentiment_score":-0.017390074208378792,"channel":1,"num_words":2,"start":94.77,"end":95.67},{"sentences":[{"text":"and then, yeah, and then you stated 600, so it was just changed there.","start":95.44,"end":99.415,"sentiment":"neutral","sentiment_score":-0.026627638776387488}],"sentiment":"neutral","sentiment_score":-0.026627638776387488,"channel":0,"num_words":14,"start":95.44,"end":99.415},{"sentences":[{"text":"Yeah.","start":99.97,"end":100.21,"sentiment":"neutral","sentiment_score":-0.0015331469476222992},{"text":"Yeah.","start":100.21,"end":100.53,"sentiment":"neutral","sentiment_score":-0.008603252470493317},{"text":"No.","start":100.53,"end":100.69,"sentiment":"neutral","sentiment_score":-0.06904589384794235},{"text":"I got that wrong.","start":100.69,"end":101.505,"sentiment":"neutral","sentiment_score":-0.10174674727022648},{"text":"Yeah.","start":102.064995,"end":102.384995,"sentiment":"neutral","sentiment_score":-0.042453132569789886}],"sentiment":"neutral","sentiment_score":-0.06607780186459422,"channel":1,"num_words":8,"start":99.97,"end":102.384995},{"sentences":[{"text":"It's going up a lot in bed.","start":102.384995,"end":103.505,"sentiment":"neutral","sentiment_score":-0.025917665234633853},{"text":"That's all.","start":103.505,"end":104.244995,"sentiment":"neutral","sentiment_score":0.001247638138011098}],"sentiment":"neutral","sentiment_score":-0.019880931151823864,"channel":1,"num_words":9,"start":102.384995,"end":104.244995},{"sentences":[{"text":"Yeah.","start":104.835,"end":105.315,"sentiment":"neutral","sentiment_score":0.028450004756450653},{"text":"Not a problem.","start":105.315,"end":106.195,"sentiment":"neutral","sentiment_score":0.034453788151343666},{"text":"I just thought that like, you maybe got some sort of inheritance or something like that, but I'll make a a copy here.","start":106.195,"end":113.060005,"sentiment":"neutral","sentiment_score":-0.0040990742652312565},{"text":"The the SOA does state 600 there just given what you did disclose","start":113.060005,"end":119.06,"sentiment":"neutral","sentiment_score":0.010522692894133238}],"sentiment":"neutral","sentiment_score":0.00435819171834737,"channel":0,"num_words":40,"start":104.835,"end":119.06},{"sentences":[{"text":"Yes.","start":118.75,"end":119.15,"sentiment":"neutral","sentiment_score":0.016178295016288757}],"sentiment":"neutral","sentiment_score":0.016178295016288757,"channel":1,"num_words":1,"start":118.75,"end":119.15},{"sentences":[{"text":"in","start":119.06,"end":119.22,"sentiment":"neutral","sentiment_score":-0.02555319480597973}],"sentiment":"neutral","sentiment_score":-0.02555319480597973,"channel":0,"num_words":1,"start":119.06,"end":119.22},{"sentences":[{"text":"No.","start":119.15,"end":119.65,"sentiment":"neutral","sentiment_score":-0.09843263030052184}],"sentiment":"neutral","sentiment_score":-0.09843263030052184,"channel":1,"num_words":1,"start":119.15,"end":119.65},{"sentences":[{"text":"the update there.","start":119.22,"end":119.86,"sentiment":"neutral","sentiment_score":-0.0772015502055486},{"text":"I'll change it back to the $6.80.","start":119.86,"end":121.54,"sentiment":"neutral","sentiment_score":-0.042782030201384},{"text":"That's fine.","start":121.54,"end":122.28,"sentiment":"neutral","sentiment_score":0.08017951203510165},{"text":"If you did want an updated copy with that 1 figure change, that's more than fine as well.","start":122.42,"end":126.455,"sentiment":"neutral","sentiment_score":0.332111736966504},{"text":"But in regards to the document there, Wren, I'll just be sending that out to your email at wren van I have bandaddress@gmail.com.","start":128.115,"end":136.195,"sentiment":"neutral","sentiment_score":0.07691632745706517}],"sentiment":"neutral","sentiment_score":0.13917673507459322,"channel":0,"num_words":53,"start":119.22,"end":136.195},{"sentences":[{"text":"Is that still your correct email?","start":136.195,"end":137.61,"sentiment":"neutral","sentiment_score":0.0515628724048535}],"sentiment":"neutral","sentiment_score":0.0515628724048535,"channel":0,"num_words":6,"start":136.195,"end":137.61},{"sentences":[{"text":"Yeah.","start":138.305,"end":138.805,"sentiment":"positive","sentiment_score":0.4750502109527588}],"sentiment":"positive","sentiment_score":0.4750502109527588,"channel":1,"num_words":1,"start":138.305,"end":138.805},{"sentences":[{"text":"Perfect.","start":139.53,"end":140.03,"sentiment":"positive","sentiment_score":0.6960573196411133},{"text":"Now in regards to this one, you'll have your statement of advice, the appendix to it, the Okta services guide and financial services guide.","start":140.25,"end":147.15,"sentiment":"neutral","sentiment_score":0.2265737553437551},{"text":"And then there's the PDFs","start":147.53,"end":148.73,"sentiment":"neutral","sentiment_score":0.10982891768217087}],"sentiment":"neutral","sentiment_score":0.22276573454340298,"channel":0,"num_words":30,"start":139.53,"end":148.73},{"sentences":[{"text":"Yep.","start":148.27,"end":148.77,"sentiment":"neutral","sentiment_score":0.12427601218223572}],"sentiment":"neutral","sentiment_score":0.12427601218223572,"channel":1,"num_words":1,"start":148.27,"end":148.77},{"sentences":[{"text":"in regards to your super product and then the Vanguard index chart.","start":148.73,"end":152.41,"sentiment":"neutral","sentiment_score":0.16164760726193586},{"text":"Now I'm sort of aware of your time there as well because I know you do get quite busy.","start":152.41,"end":158.785,"sentiment":"neutral","sentiment_score":0.030128599193535353},{"text":"Did you want me to just go through, like, a quick run through for you, Renan?","start":158.785,"end":162.065,"sentiment":"neutral","sentiment_score":0.11125226272270083},{"text":"Come you can come back with any questions you might have in regards to the document or","start":162.065,"end":165.99,"sentiment":"neutral","sentiment_score":0.08794249944827136}],"sentiment":"neutral","sentiment_score":0.09042614634381607,"channel":0,"num_words":64,"start":148.73,"end":165.99},{"sentences":[{"text":"Yeah.","start":167.285,"end":167.52501,"sentiment":"neutral","sentiment_score":0.11125118285417555},{"text":"That's fine, mate.","start":167.52501,"end":168.32501,"sentiment":"positive","sentiment_score":0.3590073486169179},{"text":"Yeah.","start":168.32501,"end":168.82501,"sentiment":"neutral","sentiment_score":0.14999204874038696}],"sentiment":"neutral","sentiment_score":0.26765305548906326,"channel":1,"num_words":5,"start":167.285,"end":168.82501},{"sentences":[{"text":"otherwise, we can, like, take our time and run through it a little bit more in-depth with you here today if you want to.","start":169.67,"end":175.61,"sentiment":"neutral","sentiment_score":0.08630027063190937}],"sentiment":"neutral","sentiment_score":0.08630027063190937,"channel":0,"num_words":24,"start":169.67,"end":175.61},{"sentences":[{"text":"We'll just make it quick, man, and see if you","start":176.68001,"end":178.52,"sentiment":"neutral","sentiment_score":0.09405541718006134}],"sentiment":"neutral","sentiment_score":0.09405541718006134,"channel":1,"num_words":10,"start":176.68001,"end":178.52},{"sentences":[{"text":"Okay.","start":179.665,"end":180.065,"sentiment":"neutral","sentiment_score":0.10651225596666336},{"text":"Not a problem at all.","start":180.065,"end":181.365,"sentiment":"neutral","sentiment_score":0.23122564554214478},{"text":"So in regards to that one, obviously, once that comes through your email, but, obviously, it's an advice piece prepared for yourself by myself and the team there as an authorized representative under OP Financial.","start":181.58499,"end":191.3,"sentiment":"neutral","sentiment_score":0.15124362600701197},{"text":"Obviously, in regards to investments, we do it in regards to best interest you're trying to put you in a better position than where you're currently at.","start":191.68,"end":197.38,"sentiment":"neutral","sentiment_score":0.22299758924378288},{"text":"And with this advice piece, I know it is quite simple in the terms that you were pretty happy with how things were going.","start":197.84,"end":204.0,"sentiment":"positive","sentiment_score":0.49922623485326767}],"sentiment":"neutral","sentiment_score":0.2669405645650366,"channel":0,"num_words":92,"start":179.665,"end":204.0},{"sentences":[{"text":"We're just doing a review basically in regards to your investments just due to the Benelon and just doing a a total look.","start":204.0,"end":210.95499,"sentiment":"neutral","sentiment_score":0.26641472655793896},{"text":"And we also did include some estate planning matters just given that you still don't have those in place in regards to your hub 24 beneficiary form there or the the wills and estate planning sort of side of things.","start":211.575,"end":222.66,"sentiment":"neutral","sentiment_score":0.11731506306678056}],"sentiment":"neutral","sentiment_score":0.17174827354767966,"channel":0,"num_words":63,"start":204.0,"end":222.66},{"sentences":[{"text":"Yeah.","start":223.575,"end":223.815,"sentiment":"neutral","sentiment_score":0.08359497040510178},{"text":"I probably need you.","start":223.815,"end":224.61499,"sentiment":"neutral","sentiment_score":0.005430912598967552},{"text":"I'm sorry, actually.","start":224.61499,"end":225.355,"sentiment":"neutral","sentiment_score":-0.032146294911702476}],"sentiment":"neutral","sentiment_score":0.0011099670082330704,"channel":1,"num_words":8,"start":223.575,"end":225.355},{"sentences":[{"text":"Yeah.","start":226.72,"end":227.22,"sentiment":"neutral","sentiment_score":0.03845975175499916},{"text":"Obviously, with that, given that you have, like, sort of a few assets there plus your couple of children and your your partner, it's important to have those sort of things in place in case anything did happen.","start":228.16,"end":239.065,"sentiment":"neutral","sentiment_score":0.11202068224941429},{"text":"In addition to that one, we did put limited scope in for your group cover because, obviously, you didn't wanna sort of look at changing that.","start":240.08499,"end":246.08499,"sentiment":"neutral","sentiment_score":-0.22806633693667558},{"text":"We just put it limitedly in to illustrate the cost that it's currently costing impact that can have on super.","start":246.08499,"end":252.32,"sentiment":"neutral","sentiment_score":-0.23159243538975716},{"text":"As far as debt and property, you are happy managing these things yourself in regards to paying them down and the debts that are managing the property and looking at potentially another investment property.","start":252.94,"end":263.66,"sentiment":"neutral","sentiment_score":0.2507972592378364}],"sentiment":"neutral","sentiment_score":0.018998143051852698,"channel":0,"num_words":119,"start":226.72,"end":263.66},{"sentences":[{"text":"Obviously, you have access to the people here as far as mortgage brokers are concerned and then also some trusted partners that we can refer you on to as far as mortgage brokers outside of OQ Financial as well.","start":263.66,"end":274.855,"sentiment":"neutral","sentiment_score":0.13880812443601778}],"sentiment":"neutral","sentiment_score":0.13880812443601778,"channel":0,"num_words":39,"start":263.66,"end":274.855},{"sentences":[{"text":"Yeah.","start":276.39502,"end":276.715,"sentiment":"neutral","sentiment_score":0.22549262642860413},{"text":"Yeah.","start":276.715,"end":277.215,"sentiment":"neutral","sentiment_score":0.30874329805374146}],"sentiment":"neutral","sentiment_score":0.2671179622411728,"channel":1,"num_words":2,"start":276.39502,"end":277.215},{"sentences":[{"text":"Now in regards to budgeting savings, obviously, you're happy managing that yourself in regards to doing your your renovations and enjoying some family time with holidays and have you.","start":276.915,"end":286.44998,"sentiment":"positive","sentiment_score":0.5603794630231529},{"text":"We can also send out the budget planner if you ever did want that just for you to manage your own sort of cash flow and budgeting day to day for your debts and holiday and things like that as well.","start":286.44998,"end":295.765,"sentiment":"positive","sentiment_score":0.3452921600603476}],"sentiment":"positive","sentiment_score":0.43439975700208117,"channel":0,"num_words":70,"start":276.915,"end":295.765},{"sentences":[{"text":"Yeah.","start":296.78,"end":297.09998,"sentiment":"neutral","sentiment_score":0.16649138927459717},{"text":"Yeah.","start":297.09998,"end":297.59998,"sentiment":"neutral","sentiment_score":0.1730901151895523},{"text":"Yeah.","start":298.545,"end":298.70502,"sentiment":"neutral","sentiment_score":0.2220267355442047},{"text":"I'm I'm just fine with it at the moment.","start":298.70502,"end":300.405,"sentiment":"neutral","sentiment_score":0.31660208768314785},{"text":"Probably wouldn't mind talking to someone to see what I can do with more sort of equity in the houses, I","start":302.305,"end":310.08,"sentiment":"neutral","sentiment_score":0.00019501500009071193}],"sentiment":"neutral","sentiment_score":0.10348855588359362,"channel":1,"num_words":33,"start":296.78,"end":310.08},{"sentences":[{"text":"Yep.","start":311.19998,"end":311.68,"sentiment":"neutral","sentiment_score":0.1609496772289276},{"text":"I can pass your details along to one of the Oaktree, like, trusted partners, a mortgage broker, just with your general details and what you're trying to do and potentially looking at refinancing or looking at potentially, like, another investment property if that's what you're after.","start":311.68,"end":325.635,"sentiment":"neutral","sentiment_score":0.13283225092227044}],"sentiment":"neutral","sentiment_score":0.13343049403517804,"channel":0,"num_words":47,"start":311.19998,"end":325.635},{"sentences":[{"text":"Yeah.","start":327.035,"end":327.275,"sentiment":"neutral","sentiment_score":0.10406681895256042},{"text":"Well, we've got a lot of equity in this house and my rental and then my partner's gone as well, but I just do it my on my own sort of thing.","start":327.275,"end":336.095,"sentiment":"neutral","sentiment_score":0.12492412072606385}],"sentiment":"neutral","sentiment_score":0.12429208127838193,"channel":1,"num_words":33,"start":327.035,"end":336.095},{"sentences":[{"text":"Not a problem.","start":337.15,"end":337.97,"sentiment":"neutral","sentiment_score":0.1971207062403361},{"text":"Did you want me to make that email introduction for you so they can give you a phone call and then have a discussion with you?","start":338.43,"end":343.845,"sentiment":"neutral","sentiment_score":0.21508556948258326}],"sentiment":"neutral","sentiment_score":0.21322713535407495,"channel":0,"num_words":29,"start":337.15,"end":343.845},{"sentences":[{"text":"Yeah.","start":344.59998,"end":344.84,"sentiment":"neutral","sentiment_score":0.18165323138237},{"text":"It's not a bad idea.","start":344.84,"end":345.97998,"sentiment":"neutral","sentiment_score":0.12753721624612807}],"sentiment":"neutral","sentiment_score":0.1365565521021684,"channel":1,"num_words":6,"start":344.59998,"end":345.97998},{"sentences":[{"text":"Not a problem.","start":346.565,"end":347.385,"sentiment":"neutral","sentiment_score":0.20820772647857666},{"text":"Obviously, there's a couple here we work with.","start":347.445,"end":349.125,"sentiment":"neutral","sentiment_score":0.02859154174802825},{"text":"So if you're not happy with the one we refer you on to, we can always pass you along to a different one as well.","start":349.125,"end":354.665,"sentiment":"neutral","sentiment_score":-0.05196686789393425},{"text":"Is there a time that sort of better suits you?","start":354.725,"end":356.565,"sentiment":"neutral","sentiment_score":0.037964335456490514},{"text":"Obviously, I know you're in WA, so it's a bit of a a stretch there, but is it sort of more afternoons that work better?","start":356.565,"end":362.28,"sentiment":"neutral","sentiment_score":-0.031952169339056126}],"sentiment":"neutral","sentiment_score":-0.012182775532956314,"channel":0,"num_words":71,"start":346.565,"end":362.28},{"sentences":[{"text":"Yeah.","start":364.705,"end":365.10498,"sentiment":"neutral","sentiment_score":0.08231132477521896},{"text":"Yeah.","start":365.10498,"end":365.60498,"sentiment":"neutral","sentiment_score":0.12813276052474976},{"text":"Yeah.","start":365.66498,"end":366.16498,"sentiment":"neutral","sentiment_score":0.18680274486541748}],"sentiment":"neutral","sentiment_score":0.13241561005512872,"channel":1,"num_words":3,"start":364.705,"end":366.16498},{"sentences":[{"text":"I'll just sort of","start":367.46002,"end":368.18002,"sentiment":"neutral","sentiment_score":0.2488102950155735}],"sentiment":"neutral","sentiment_score":0.2488102950155735,"channel":0,"num_words":4,"start":367.46002,"end":368.18002},{"sentences":[{"text":"Alright.","start":368.15,"end":368.55,"sentiment":"neutral","sentiment_score":0.22579845786094663}],"sentiment":"neutral","sentiment_score":0.22579845786094663,"channel":1,"num_words":1,"start":368.15,"end":368.55},{"sentences":[{"text":"put lighters.","start":368.18002,"end":369.0,"sentiment":"neutral","sentiment_score":0.21593762934207916}],"sentiment":"neutral","sentiment_score":0.21593762934207916,"channel":0,"num_words":2,"start":368.18002,"end":369.0},{"sentences":[{"text":"So any time for the day, sort of, it doesn't matter.","start":368.55,"end":370.55,"sentiment":"neutral","sentiment_score":0.3285465416583148},{"text":"I can do it for all the work.","start":370.55,"end":372.09,"sentiment":"positive","sentiment_score":0.41385266557335854}],"sentiment":"positive","sentiment_score":0.36446490962254374,"channel":1,"num_words":19,"start":368.55,"end":372.09},{"sentences":[{"text":"Okay.","start":372.995,"end":373.495,"sentiment":"neutral","sentiment_score":0.2607964873313904},{"text":"Not a problem.","start":373.79498,"end":374.615,"sentiment":"positive","sentiment_score":0.3649951418240865},{"text":"In regards to that document there too, I'd say quite straightforward.","start":379.07498,"end":381.955,"sentiment":"neutral","sentiment_score":0.258248587900942},{"text":"We're just looking at retaining that hub twenty four, looking at change those underlying investments.","start":381.955,"end":385.56,"sentiment":"neutral","sentiment_score":0.225278240442276},{"text":"We're recommending, obviously, you set up your beneficiary nominations, establish a will, and a power of attorney.","start":385.8,"end":390.04,"sentiment":"neutral","sentiment_score":0.3025822446626775}],"sentiment":"neutral","sentiment_score":0.2706295350130568,"channel":0,"num_words":47,"start":372.995,"end":390.04},{"sentences":[{"text":"I can also send through some information there for some local solicitor here, just their general wills and estates information booklet as well.","start":390.04,"end":398.86,"sentiment":"neutral","sentiment_score":0.21745500227679376},{"text":"And same thing goes, you can sort of utilize their service.","start":399.365,"end":401.845,"sentiment":"neutral","sentiment_score":0.21321435543623837},{"text":"They are a separate service or you can sort of find someone local to you, but at least it's a nice bit of information to have.","start":401.845,"end":407.065,"sentiment":"neutral","sentiment_score":0.3045469814768204}],"sentiment":"neutral","sentiment_score":0.2544174080093702,"channel":0,"num_words":60,"start":390.04,"end":407.065},{"sentences":[{"text":"Yeah.","start":408.14,"end":408.64,"sentiment":"positive","sentiment_score":0.3712128400802612}],"sentiment":"positive","sentiment_score":0.3712128400802612,"channel":1,"num_words":1,"start":408.14,"end":408.64},{"sentences":[{"text":"Perfect.","start":410.165,"end":410.665,"sentiment":"positive","sentiment_score":0.5463738441467285},{"text":"Obviously, on page nine there, you will see that it is slightly if you the the mortgage details in regards to that primary residence, it does state 600 as you just said as $6.80.","start":411.285,"end":422.35,"sentiment":"neutral","sentiment_score":0.23210703625398524},{"text":"And then the page before that, you'll see just your general details.","start":422.35,"end":425.09,"sentiment":"neutral","sentiment_score":0.15352090758581957},{"text":"And then the page after that, you'll be able to see your insurances and your current superannuation fund and what you hold in terms of the value as of the date of the advice document.","start":425.71002,"end":434.365,"sentiment":"neutral","sentiment_score":0.21021644707236972},{"text":"Then in regards to risk profile there, Ren, you score the growth.","start":434.825,"end":437.705,"sentiment":"neutral","sentiment_score":0.07875565097977717}],"sentiment":"neutral","sentiment_score":0.1976905045436418,"channel":0,"num_words":94,"start":410.165,"end":437.705},{"sentences":[{"text":"We're still recommending you stay in the growth.","start":437.705,"end":439.565,"sentiment":"neutral","sentiment_score":0.169569605961442},{"text":"The main difference in regards to recommendation versus what you've currently got.","start":440.025,"end":444.425,"sentiment":"neutral","sentiment_score":-0.05795192283888658},{"text":"So you do have some active portions inside your current portions inside your current superannuation.","start":444.425,"end":447.94,"sentiment":"neutral","sentiment_score":0.025895741085211435},{"text":"Now one of those has been along, which hasn't performed great at all, and another one is ClearBridge rare infrastructure.","start":448.24,"end":453.78,"sentiment":"neutral","sentiment_score":0.04401369970291853},{"text":"Now that managed fund has performed quite well over the time since you've had it, but the recommended update in the way that sort of Ophi is going at the moment in terms of investment direction, they are looking at doing a lower cost, passive approach in returns to an index investment sort of split with the core and satellite as opposed to having some of those managed funds.","start":454.47998,"end":476.22,"sentiment":"neutral","sentiment_score":0.19000017788747084}],"sentiment":"neutral","sentiment_score":0.12128916256610424,"channel":0,"num_words":124,"start":437.705,"end":476.22},{"sentences":[{"text":"Now the benefit of that is, obviously, it comes at a lower cost that reduces some volatility and it, like, eliminates that manager risk of having, like, what happened with Benelon.","start":476.22,"end":484.4,"sentiment":"neutral","sentiment_score":0.32973551798251366},{"text":"The the difference with that, though, is you don't have the potential to outperform the market.","start":486.445,"end":489.885,"sentiment":"neutral","sentiment_score":-0.0967658031731844},{"text":"So with those managed funds, if the fund managers do their job and do well, the additional cost you pay, they have the ability to potentially outperform the markets by picking and choosing the investments they hold, Whereas those indexes just track the market indexes in whatever sort of region or industry that they're sort of based in.","start":489.885,"end":507.57,"sentiment":"neutral","sentiment_score":0.20371235047210137},{"text":"And then you're just tracking a certain amount of companies within that.","start":507.57,"end":510.53,"sentiment":"neutral","sentiment_score":0.07775572594255209},{"text":"And as they sort of rise and fall, it's dynamic in the sense that they'd update.","start":510.53,"end":514.265,"sentiment":"neutral","sentiment_score":0.05935917282477021}],"sentiment":"neutral","sentiment_score":0.1682081203802692,"channel":0,"num_words":133,"start":476.22,"end":514.265},{"sentences":[{"text":"But in saying that, you won't be picking and choosing, like, the winners anymore to try and do better than what the market is doing, if that makes sense.","start":514.265,"end":521.005,"sentiment":"neutral","sentiment_score":-0.03259995387032114}],"sentiment":"neutral","sentiment_score":-0.03259995387032114,"channel":0,"num_words":29,"start":514.265,"end":521.005},{"sentences":[{"text":"Yeah.","start":522.795,"end":523.115,"sentiment":"neutral","sentiment_score":-0.006579577922821045},{"text":"Okay.","start":523.115,"end":523.615,"sentiment":"neutral","sentiment_score":-0.007141707465052605},{"text":"So what bit along is the one that's not doing too well and then infrastructure's doing well?","start":525.115,"end":529.375,"sentiment":"neutral","sentiment_score":-0.13178466128952362}],"sentiment":"neutral","sentiment_score":-0.11863476459525134,"channel":1,"num_words":19,"start":522.795,"end":529.375},{"sentences":[{"text":"Yeah.","start":530.2,"end":530.52,"sentiment":"neutral","sentiment_score":-0.12873995304107666},{"text":"And they're your two managed funds, and at at the moment, it sort of, like, cancels out in regards to, like, obviously, one doing well and one doing poorly.","start":530.52,"end":538.78,"sentiment":"neutral","sentiment_score":-0.23241053547324805},{"text":"But saying that Bedelon has done a lot worse than what the ClearBridge has done good over that twelve month period.","start":539.0,"end":545.67505,"sentiment":"negative","sentiment_score":-0.36542402562640963},{"text":"So you're still down in terms of, like, your managed funds as opposed to, like, your index investment so far actually doing quite well.","start":545.67505,"end":553.85504,"sentiment":"neutral","sentiment_score":-0.2876657036443551},{"text":"Now not to say that your super has done poorly in terms of, like, since you've been onboard, it's actually done quite well.","start":554.35004,"end":560.43,"sentiment":"neutral","sentiment_score":-0.2580130647705949}],"sentiment":"neutral","sentiment_score":-0.27939619792967424,"channel":0,"num_words":98,"start":530.2,"end":560.43},{"sentences":[{"text":"Obviously, with the market correction with the Iran war and then with what happened with Bennelong, it's obviously taken a bit of a dive.","start":560.43,"end":567.17,"sentiment":"neutral","sentiment_score":-0.3004930963118871},{"text":"The Bennelong","start":567.46497,"end":568.20496,"sentiment":"neutral","sentiment_score":-0.06738773174583912}],"sentiment":"neutral","sentiment_score":-0.2825619144221911,"channel":0,"num_words":26,"start":560.43,"end":568.20496},{"sentences":[{"text":"Yeah.","start":567.77,"end":568.01,"sentiment":"neutral","sentiment_score":-0.0757845938205719},{"text":"Okay.","start":568.01,"end":568.51,"sentiment":"neutral","sentiment_score":-0.15776023268699646}],"sentiment":"neutral","sentiment_score":-0.11677241325378418,"channel":1,"num_words":2,"start":567.77,"end":568.51},{"sentences":[{"text":"one somewhat could have been avoided based because it was underlying investment issue at the end of last year that caused their initial dip, and then that was a further, like, exacerbated by the the war and causing all the markets to take a bit of a dive.","start":568.26495,"end":582.20496,"sentiment":"negative","sentiment_score":-0.38918130782743293},{"text":"You still did 5% off the fees for the the last twelve months, which obviously isn't fantastic with everything going on.","start":582.93,"end":588.95,"sentiment":"negative","sentiment_score":-0.4272863602354413},{"text":"It's sort of expected to have a little bit of a lull year, but it could have been a bit better if you didn't have that 10% sort of in that Ben Long managed fund, if that makes sense.","start":589.09,"end":599.165,"sentiment":"neutral","sentiment_score":-0.25151539116333693}],"sentiment":"negative","sentiment_score":-0.3468779314447332,"channel":0,"num_words":108,"start":568.26495,"end":599.165},{"sentences":[{"text":"Yeah.","start":599.83,"end":600.15,"sentiment":"neutral","sentiment_score":-0.007017035037279129},{"text":"Okay.","start":600.15,"end":600.55005,"sentiment":"neutral","sentiment_score":0.02926933765411377},{"text":"Yeah.","start":600.55005,"end":600.87,"sentiment":"neutral","sentiment_score":0.050745852291584015},{"text":"Because it's been a fair bit going to gold too, isn't it, over the last couple of years?","start":600.87,"end":605.495,"sentiment":"neutral","sentiment_score":0.021998800440794893}],"sentiment":"neutral","sentiment_score":0.02233221727822508,"channel":1,"num_words":21,"start":599.83,"end":605.495},{"sentences":[{"text":"Yes.","start":606.665,"end":606.985,"sentiment":"neutral","sentiment_score":0.09560081362724304},{"text":"So you still hold.","start":606.985,"end":608.605,"sentiment":"neutral","sentiment_score":-0.03618762455880642},{"text":"Let me just see how much it's actually sitting at the moment.","start":610.2,"end":612.94,"sentiment":"neutral","sentiment_score":-0.014921207601825396},{"text":"Gold at the moment, given how much it's sort of gone up, it's done around 35.5% over the last twelve months with that one.","start":613.95996,"end":624.09503,"sentiment":"neutral","sentiment_score":0.11323191039264202},{"text":"And then with the update, you'll still hold gold, and it will still be an active portion.","start":624.315,"end":629.67505,"sentiment":"neutral","sentiment_score":0.1567219557131038}],"sentiment":"neutral","sentiment_score":0.08885577449510837,"channel":0,"num_words":58,"start":606.665,"end":629.67505},{"sentences":[{"text":"Like, well, a portion of your portfolio will correct a little bit.","start":629.67505,"end":632.79504,"sentiment":"neutral","sentiment_score":0.08803854944805305},{"text":"They'll sell down a bit because with how well it's done, it jumped out to about 20% of your portfolio.","start":632.79504,"end":637.375,"sentiment":"neutral","sentiment_score":0.0056840041652321815},{"text":"And then with that, it'll come back to to about 10 with the rebalance.","start":637.8,"end":641.26,"sentiment":"neutral","sentiment_score":0.09113416767546109},{"text":"And then you'll have some bank hybrids, which is your defensive portion.","start":641.39996,"end":645.32,"sentiment":"neutral","sentiment_score":0.06650269559274118},{"text":"They are getting phased out.","start":645.32,"end":646.51996,"sentiment":"neutral","sentiment_score":-0.13399390876293182}],"sentiment":"neutral","sentiment_score":0.040858473451364605,"channel":0,"num_words":63,"start":629.67505,"end":646.51996},{"sentences":[{"text":"So in the future, that won't be in your portfolio, but that's still a defensive portion.","start":646.51996,"end":650.45996,"sentiment":"neutral","sentiment_score":0.043708661338314414},{"text":"You'll have an allocation to cybersecurity, and then the key holdings will be the S and P five hundred, which will be around 30%.","start":650.745,"end":657.725,"sentiment":"neutral","sentiment_score":0.17705058492720127},{"text":"And then you'll also have the BetaShares Australia two hundred, which is sort of the replacement for Benelon in the Australian market, and that'll be 20%.","start":657.865,"end":665.165,"sentiment":"neutral","sentiment_score":0.18758150877860877},{"text":"And then you'll have a few other satellites with Europe, Japan, and then a Vanguard all with excluding US investment.","start":665.73,"end":673.59,"sentiment":"neutral","sentiment_score":0.11549682430922985},{"text":"Pardon me.","start":674.21,"end":675.11,"sentiment":"neutral","sentiment_score":-0.13552260026335716}],"sentiment":"neutral","sentiment_score":0.13482458106326786,"channel":0,"num_words":88,"start":646.51996,"end":675.11},{"sentences":[{"text":"And that'll be sort of from 5% just to have you some exposure in some different geographical locations outside those key holdings that you do hold.","start":675.73,"end":685.185,"sentiment":"neutral","sentiment_score":-0.02163006508579621}],"sentiment":"neutral","sentiment_score":-0.02163006508579621,"channel":0,"num_words":26,"start":675.73,"end":685.185},{"sentences":[{"text":"Alright.","start":686.54,"end":687.04,"sentiment":"neutral","sentiment_score":0.21323691308498385}],"sentiment":"neutral","sentiment_score":0.21323691308498385,"channel":1,"num_words":1,"start":686.54,"end":687.04},{"sentences":[{"text":"Now, obviously, with how sort of things are, you will get a guarantee that you will be saving money with that investment change.","start":688.925,"end":697.06,"sentiment":"positive","sentiment_score":0.373024415710698},{"text":"And then with that, that'll obviously go to be out of being reinvested.","start":697.6,"end":700.42,"sentiment":"neutral","sentiment_score":-0.004902752546163706},{"text":"Historically, over the past, like, three year rolling averages, it has performed better with the index funds, as opposed to, obviously, Chris having that been along and how well it's done, it sort of hindered your growth a little bit.","start":700.95996,"end":712.47504,"sentiment":"neutral","sentiment_score":-0.21336793713271618},{"text":"And not to say, as I said, that it's performed horrendously since your time on board.","start":712.47504,"end":717.9,"sentiment":"neutral","sentiment_score":-0.26137110497802496},{"text":"But given the last twelve months, the investment committee is moving away from that.","start":718.14,"end":721.76,"sentiment":"negative","sentiment_score":-0.40764054336718153}],"sentiment":"neutral","sentiment_score":-0.09346978296086474,"channel":0,"num_words":106,"start":688.925,"end":721.76},{"sentences":[{"text":"And then with that with the update to save on cost and then also smooth out some volatility for some longer term growth with how well the markets have been doing over that three to five year period, The indexes have been performing quite well.","start":721.98004,"end":735.47504,"sentiment":"neutral","sentiment_score":0.3103004996975263},{"text":"And then hopefully, like, moving forward, they'll continue to have that steady growth, and you won't have to take on as much managed risk as you do currently and still have the same, like, allocation to to growth assets, if not just slightly more with less sort of risk in regards to those picking and choosing of those winners, if that makes sense.","start":736.17505,"end":754.77,"sentiment":"positive","sentiment_score":0.38792836311317624}],"sentiment":"positive","sentiment_score":0.3555834200233221,"channel":0,"num_words":108,"start":721.98004,"end":754.77},{"sentences":[{"text":"How long will that be, you say?","start":755.985,"end":757.685,"sentiment":"neutral","sentiment_score":-0.0071230993739196235}],"sentiment":"neutral","sentiment_score":-0.0071230993739196235,"channel":1,"num_words":7,"start":755.985,"end":757.685},{"sentences":[{"text":"Pardon?","start":759.645,"end":760.145,"sentiment":"neutral","sentiment_score":-0.08126552402973175}],"sentiment":"neutral","sentiment_score":-0.08126552402973175,"channel":0,"num_words":1,"start":759.645,"end":760.145},{"sentences":[{"text":"How long how long until it's not so until I have to risk so much?","start":761.21,"end":766.19,"sentiment":"neutral","sentiment_score":-0.09745647062857946},{"text":"Or is it or is it just","start":766.21,"end":768.27,"sentiment":"neutral","sentiment_score":-0.06056334504059383}],"sentiment":"neutral","sentiment_score":-0.08571774885058403,"channel":1,"num_words":22,"start":761.21,"end":768.27},{"sentences":[{"text":"So in regards to that, you'll still have, like, an eighty twenty split into sort of growth assets to defensive assets.","start":769.325,"end":775.45,"sentiment":"neutral","sentiment_score":0.02987043932080269},{"text":"You just won't carry the manager risk of those managed funds if you were to take on the update.","start":776.23,"end":781.45,"sentiment":"neutral","sentiment_score":-0.06612789368649062},{"text":"Now the alternative, if you did still wanna maintain level of active management, you could, like, keep the the ClearBridge or you could sort of have an actively managed fund.","start":781.83,"end":792.45496,"sentiment":"neutral","sentiment_score":0.014915272096792857},{"text":"But with that, you carry that manager risk still, and it comes at a higher investment cost.","start":792.45496,"end":796.615,"sentiment":"negative","sentiment_score":-0.3585614675984663},{"text":"And there is still the potential that much like sort of Ben Lung has, like, a bad year where they pick and choose a wrong investment and have quite a significant drop.","start":796.615,"end":805.61,"sentiment":"negative","sentiment_score":-0.510884995572269}],"sentiment":"neutral","sentiment_score":-0.19013073444444717,"channel":0,"num_words":119,"start":769.325,"end":805.61},{"sentences":[{"text":"And then with that, you're sort of waiting on those good years to to come back, whereas the index is it does what the markets are doing and attracts the markets.","start":805.67,"end":812.73,"sentiment":"neutral","sentiment_score":-0.12410701210460355},{"text":"Now, obviously, with what's going on at the moment, the markets aren't doing term fantastic, but neither are the managed funds.","start":813.115,"end":817.85504,"sentiment":"negative","sentiment_score":-0.35136825910636355},{"text":"And then with that, if","start":818.155,"end":819.35504,"sentiment":"neutral","sentiment_score":-0.10973321199417115}],"sentiment":"neutral","sentiment_score":-0.20657398028854737,"channel":0,"num_words":57,"start":805.67,"end":819.35504},{"sentences":[{"text":"Yeah.","start":819.12,"end":819.62,"sentiment":"neutral","sentiment_score":-0.09838216006755827}],"sentiment":"neutral","sentiment_score":-0.09838216006755827,"channel":1,"num_words":1,"start":819.12,"end":819.62},{"sentences":[{"text":"the market's doing well and you're getting growth in the economy, then those indexes track quite nicely.","start":819.35504,"end":824.495,"sentiment":"positive","sentiment_score":0.5954541528926176},{"text":"And the S and P 500, if you look at sort of, you know, $10,000 invested back way back when versus, like, sort of those managed funds.","start":824.715,"end":834.95,"sentiment":"positive","sentiment_score":0.3816973975411168},{"text":"The indexes tend to, over the long term, provide better sort of returns and more consistent returns through those goods as well as opposed to taking on the more managed risk of someone trying to pick and choose what is happening through that time frame.","start":834.95,"end":848.645,"sentiment":"positive","sentiment_score":0.4108676618999905},{"text":"Do you have any questions regarding that at all, Ryan?","start":853.665,"end":857.365,"sentiment":"neutral","sentiment_score":0.05939254462718964}],"sentiment":"positive","sentiment_score":0.3991062683288497,"channel":0,"num_words":99,"start":819.35504,"end":857.365},{"sentences":[{"text":"Alright.","start":858.08997,"end":858.57,"sentiment":"neutral","sentiment_score":0.014159731566905975},{"text":"Not too much.","start":858.57,"end":859.425,"sentiment":"neutral","sentiment_score":-0.06242523963252703},{"text":"Long as it's all going well, but I haven't actually seen the balance for a while.","start":859.505,"end":863.125,"sentiment":"neutral","sentiment_score":-0.07997339605935849}],"sentiment":"neutral","sentiment_score":-0.07263451621402055,"channel":1,"num_words":20,"start":858.08997,"end":863.125},{"sentences":[{"text":"Yeah.","start":864.28,"end":864.60004,"sentiment":"neutral","sentiment_score":-0.1195468157529831}],"sentiment":"neutral","sentiment_score":-0.1195468157529831,"channel":0,"num_words":1,"start":864.28,"end":864.60004},{"sentences":[{"text":"I don't know","start":864.305,"end":864.785,"sentiment":"neutral","sentiment_score":-0.1414536858598391}],"sentiment":"neutral","sentiment_score":-0.1414536858598391,"channel":1,"num_words":3,"start":864.305,"end":864.785},{"sentences":[{"text":"As","start":864.60004,"end":864.84,"sentiment":"neutral","sentiment_score":-0.1035078912973404}],"sentiment":"neutral","sentiment_score":-0.1035078912973404,"channel":0,"num_words":1,"start":864.60004,"end":864.84},{"sentences":[{"text":"how","start":864.785,"end":864.865,"sentiment":"neutral","sentiment_score":-0.07168877124786377}],"sentiment":"neutral","sentiment_score":-0.07168877124786377,"channel":1,"num_words":1,"start":864.785,"end":864.865},{"sentences":[{"text":"I","start":864.84,"end":864.92004,"sentiment":"neutral","sentiment_score":-0.08597830682992935}],"sentiment":"neutral","sentiment_score":-0.08597830682992935,"channel":0,"num_words":1,"start":864.84,"end":864.92004},{"sentences":[{"text":"it's","start":864.865,"end":865.02496,"sentiment":"neutral","sentiment_score":-0.07474309206008911}],"sentiment":"neutral","sentiment_score":-0.07474309206008911,"channel":1,"num_words":1,"start":864.865,"end":865.02496},{"sentences":[{"text":"said,","start":864.92004,"end":865.32,"sentiment":"neutral","sentiment_score":-0.046574100852012634}],"sentiment":"neutral","sentiment_score":-0.046574100852012634,"channel":0,"num_words":1,"start":864.92004,"end":865.32},{"sentences":[{"text":"all going.","start":865.02496,"end":865.685,"sentiment":"neutral","sentiment_score":-0.059160493314266205}],"sentiment":"neutral","sentiment_score":-0.059160493314266205,"channel":1,"num_words":2,"start":865.02496,"end":865.685},{"sentences":[{"text":"obviously, in the past three months there since the the war and everything kicked off, it's not doing too fantastic.","start":865.32,"end":872.28503,"sentiment":"neutral","sentiment_score":-0.2578565746545792},{"text":"And likely, it'll sort of still be quite stagnant until that sort of resolved in terms of, like, your time tool for retirement.","start":872.28503,"end":879.10504,"sentiment":"negative","sentiment_score":-0.35475407864736475},{"text":"It is a little bit of a blip on the radar, so I'm not too sure how much you paid attention with, like, the tariff talk and how that affected your super originally, but it took quite","start":879.245,"end":886.86,"sentiment":"neutral","sentiment_score":-0.22781730825836594}],"sentiment":"neutral","sentiment_score":-0.2718214463442564,"channel":0,"num_words":80,"start":865.32,"end":886.86},{"sentences":[{"text":"Sure.","start":886.74,"end":887.24,"sentiment":"neutral","sentiment_score":-0.1302821934223175}],"sentiment":"neutral","sentiment_score":-0.1302821934223175,"channel":1,"num_words":1,"start":886.74,"end":887.24},{"sentences":[{"text":"a dive at the start of the year.","start":886.86,"end":888.48,"sentiment":"neutral","sentiment_score":-0.17475792951881886},{"text":"And then it recovered nicely from that, and then, obviously, this is a bit of a just a double whammy.","start":889.1,"end":893.42,"sentiment":"neutral","sentiment_score":-0.1282532734796405},{"text":"But since you've been on board after fees, you've done around 22.6.","start":893.58,"end":898.555,"sentiment":"neutral","sentiment_score":0.19088166765868664},{"text":"And then with that, it's sort of grown nicely in that period as well with how much you've put in, obviously, in regards to the growth that you're getting out of it as well.","start":898.555,"end":908.97,"sentiment":"positive","sentiment_score":0.3444168523830526}],"sentiment":"neutral","sentiment_score":0.13564356874573874,"channel":0,"num_words":74,"start":886.86,"end":908.97},{"sentences":[{"text":"Okay.","start":911.42004,"end":911.92004,"sentiment":"neutral","sentiment_score":0.035763464868068695}],"sentiment":"neutral","sentiment_score":0.035763464868068695,"channel":1,"num_words":1,"start":911.42004,"end":911.92004},{"sentences":[{"text":"Because","start":913.68994,"end":914.00995,"sentiment":"neutral","sentiment_score":0.018600735813379288}],"sentiment":"neutral","sentiment_score":0.018600735813379288,"channel":0,"num_words":1,"start":913.68994,"end":914.00995},{"sentences":[{"text":"Have","start":913.885,"end":914.125,"sentiment":"neutral","sentiment_score":0.030089793726801872}],"sentiment":"neutral","sentiment_score":0.030089793726801872,"channel":1,"num_words":1,"start":913.885,"end":914.125},{"sentences":[{"text":"I believe","start":914.00995,"end":914.58997,"sentiment":"neutral","sentiment_score":0.02588407602161169}],"sentiment":"neutral","sentiment_score":0.02588407602161169,"channel":0,"num_words":2,"start":914.00995,"end":914.58997},{"sentences":[{"text":"you got the balance there at the moment?","start":914.125,"end":915.585,"sentiment":"neutral","sentiment_score":0.03341350122354925}],"sentiment":"neutral","sentiment_score":0.03341350122354925,"channel":1,"num_words":8,"start":914.125,"end":915.585},{"sentences":[{"text":"yep.","start":917.05,"end":917.37,"sentiment":"neutral","sentiment_score":0.024098658934235573},{"text":"It's around a $132,464.","start":917.37,"end":921.14996,"sentiment":"neutral","sentiment_score":0.03320738673210144}],"sentiment":"neutral","sentiment_score":0.03138564117252827,"channel":0,"num_words":5,"start":917.05,"end":921.14996},{"sentences":[{"text":"Okay.","start":922.605,"end":923.105,"sentiment":"neutral","sentiment_score":0.026390988379716873},{"text":"And what","start":923.96497,"end":924.365,"sentiment":"neutral","sentiment_score":0.019296158105134964}],"sentiment":"neutral","sentiment_score":0.0216611015299956,"channel":1,"num_words":3,"start":922.605,"end":924.365},{"sentences":[{"text":"Yeah.","start":924.32495,"end":924.565,"sentiment":"neutral","sentiment_score":0.02526768483221531}],"sentiment":"neutral","sentiment_score":0.02526768483221531,"channel":0,"num_words":1,"start":924.32495,"end":924.565},{"sentences":[{"text":"how","start":924.525,"end":924.685,"sentiment":"neutral","sentiment_score":0.0237113106995821}],"sentiment":"neutral","sentiment_score":0.0237113106995821,"channel":1,"num_words":1,"start":924.525,"end":924.685},{"sentences":[{"text":"But","start":924.565,"end":924.805,"sentiment":"neutral","sentiment_score":0.020070336759090424}],"sentiment":"neutral","sentiment_score":0.020070336759090424,"channel":0,"num_words":1,"start":924.565,"end":924.805},{"sentences":[{"text":"much","start":924.685,"end":924.845,"sentiment":"neutral","sentiment_score":0.03602493926882744}],"sentiment":"neutral","sentiment_score":0.03602493926882744,"channel":1,"num_words":1,"start":924.685,"end":924.845},{"sentences":[{"text":"I","start":924.805,"end":925.305,"sentiment":"neutral","sentiment_score":0.029588259756565097}],"sentiment":"neutral","sentiment_score":0.029588259756565097,"channel":0,"num_words":1,"start":924.805,"end":925.305},{"sentences":[{"text":"is that up from last year?","start":924.845,"end":925.885,"sentiment":"neutral","sentiment_score":0.03856853457788626},{"text":"What was it at last year?","start":925.885,"end":927.265,"sentiment":"neutral","sentiment_score":0.007772957440465689}],"sentiment":"neutral","sentiment_score":0.023170746009175975,"channel":1,"num_words":12,"start":924.845,"end":927.265},{"sentences":[{"text":"so if I go just down to, like, a dollar figure around sort of let's just double check.","start":928.485,"end":933.3,"sentiment":"neutral","sentiment_score":0.022631811598936718},{"text":"In gen January 2025 or February 2025 is around 113,000.","start":940.26,"end":946.76,"sentiment":"neutral","sentiment_score":0.03819978199899197}],"sentiment":"neutral","sentiment_score":0.028191801027527878,"channel":0,"num_words":28,"start":928.485,"end":946.76},{"sentences":[{"text":"Okay.","start":948.115,"end":948.435,"sentiment":"neutral","sentiment_score":0.07932877540588379},{"text":"So it's up with that $20 in a 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use the rolling averages, but in saying that no one's gonna sort of have the markets replicate three years from the same three years or five years from the same five years, it just means that it just based it on a historical data.","start":1152.115,"end":1166.17,"sentiment":"neutral","sentiment_score":0.04547397998849983},{"text":"And then with that, the main thing is that you will be saving on money.","start":1166.31,"end":1169.405,"sentiment":"positive","sentiment_score":0.4358132700125376}],"sentiment":"neutral","sentiment_score":0.05257754202586474,"channel":0,"num_words":97,"start":1143.395,"end":1169.405},{"sentences":[{"text":"You'll have a bit more diversification, and you'll reduce your your manager risk while still maintaining adequate exposure to growth assets to try and get that growth.","start":1169.405,"end":1177.105,"sentiment":"positive","sentiment_score":0.5986744904959643},{"text":"Now we did also include the needs analysis just to illustrate potential shortfalls in 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'24 for five hundred and ninety thousand in death and total permanent disability.","start":1214.16,"end":1220.9,"sentiment":"neutral","sentiment_score":0.010033780878240412},{"text":"But, obviously, if you're off work, unable to work with regards to, like, trying to claim on income protection, things like that, you just don't have that that cover at the moment, which is something to be aware of.","start":1221.495,"end":1230.795,"sentiment":"neutral","sentiment_score":-0.3097190669713876},{"text":"And then giving you a statement too on how you'd like to distribute your funds between your your partner and your children, we just recommended doing 50¢ to your partner and 25% to each child.","start":1231.575,"end":1241.7899,"sentiment":"neutral","sentiment_score":0.11464073465150945},{"text":"Now you can obviously just pick your partner and just have to leave it a 100¢ to the spouse and then through the will on that, should anything happen, like, leave it to the children and things like 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up.","start":1316.595,"end":1317.715,"sentiment":"neutral","sentiment_score":0.04975683242082596},{"text":"No.","start":1317.715,"end":1318.035,"sentiment":"neutral","sentiment_score":-0.1723080575466156},{"text":"No.","start":1318.035,"end":1318.115,"sentiment":"neutral","sentiment_score":-0.22698187828063965}],"sentiment":"neutral","sentiment_score":0.11201014282072291,"channel":1,"num_words":17,"start":1312.915,"end":1318.115},{"sentences":[{"text":"Probably getting more work.","start":1318.115,"end":1319.395,"sentiment":"negative","sentiment_score":-0.4075767546892166},{"text":"I need more work.","start":1319.395,"end":1320.4349,"sentiment":"negative","sentiment_score":-0.3619132339954376},{"text":"So there's no drama.","start":1320.4349,"end":1322.61,"sentiment":"neutral","sentiment_score":-0.027376590922358446},{"text":"You know, yeah, just sorting out the rules for registering to do, I guess.","start":1323.49,"end":1326.47,"sentiment":"neutral","sentiment_score":0.0030409768223762512}],"sentiment":"neutral","sentiment_score":-0.12095740934287627,"channel":1,"num_words":26,"start":1318.115,"end":1326.47},{"sentences":[{"text":"Yep.","start":1328.765,"end":1329.245,"sentiment":"neutral","sentiment_score":0.29106199741363525},{"text":"That's perfect.","start":1329.245,"end":1329.885,"sentiment":"positive","sentiment_score":0.6337278485298157},{"text":"And then we can send you out another copy of your hub 24 beneficiary if you'd like.","start":1329.885,"end":1334.305,"sentiment":"neutral","sentiment_score":0.2727510972934611}],"sentiment":"neutral","sentiment_score":0.30976431742310523,"channel":0,"num_words":20,"start":1328.765,"end":1334.305},{"sentences":[{"text":"Yeah.","start":1336.0499,"end":1336.29,"sentiment":"neutral","sentiment_score":0.05149171873927117},{"text":"I need to do 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you","start":1340.5751,"end":1340.8151,"sentiment":"neutral","sentiment_score":0.028073539957404137}],"sentiment":"neutral","sentiment_score":0.028073539957404137,"channel":1,"num_words":2,"start":1340.5751,"end":1340.8151},{"sentences":[{"text":"And","start":1340.78,"end":1341.02,"sentiment":"neutral","sentiment_score":0.0400734543800354}],"sentiment":"neutral","sentiment_score":0.0400734543800354,"channel":0,"num_words":1,"start":1340.78,"end":1341.02},{"sentences":[{"text":"send it","start":1340.8151,"end":1341.135,"sentiment":"neutral","sentiment_score":0.05355684831738472}],"sentiment":"neutral","sentiment_score":0.05355684831738472,"channel":1,"num_words":2,"start":1340.8151,"end":1341.135},{"sentences":[{"text":"do you have","start":1341.02,"end":1341.6001,"sentiment":"neutral","sentiment_score":0.032502940545479454}],"sentiment":"neutral","sentiment_score":0.032502940545479454,"channel":0,"num_words":3,"start":1341.02,"end":1341.6001},{"sentences":[{"text":"out, I'll I'll try and get on to it this time.","start":1341.135,"end":1344.1951,"sentiment":"neutral","sentiment_score":0.055393424901095306}],"sentiment":"neutral","sentiment_score":0.055393424901095306,"channel":1,"num_words":11,"start":1341.135,"end":1344.1951},{"sentences":[{"text":"and do you have access to a printer at all?","start":1344.8601,"end":1347.04,"sentiment":"neutral","sentiment_score":0.015379705000668764}],"sentiment":"neutral","sentiment_score":0.015379705000668764,"channel":0,"num_words":10,"start":1344.8601,"end":1347.04},{"sentences":[{"text":"My partner does.","start":1348.895,"end":1349.775,"sentiment":"neutral","sentiment_score":0.004277961328625679},{"text":"I'll just have to get ahead of that.","start":1349.775,"end":1351.26,"sentiment":"neutral","sentiment_score":-0.011463827802799642}],"sentiment":"neutral","sentiment_score":-0.007170612585138191,"channel":1,"num_words":11,"start":1348.895,"end":1351.26},{"sentences":[{"text":"Yep.","start":1352.635,"end":1353.115,"sentiment":"neutral","sentiment_score":0.1987193524837494},{"text":"Perfect.","start":1353.115,"end":1353.615,"sentiment":"neutral","sentiment_score":0.31221503019332886},{"text":"With that one, whoever you nominate, obviously, can't be a witness signature on that.","start":1353.6749,"end":1358.715,"sentiment":"neutral","sentiment_score":0.07296693404870373},{"text":"So if you do nominate your partner, she can't witness it as well.","start":1358.715,"end":1362.1549,"sentiment":"neutral","sentiment_score":0.04400258453992697},{"text":"It has to be two people over the age of 18 that are on the beneficiaries.","start":1362.1549,"end":1365.615,"sentiment":"neutral","sentiment_score":0.035901102470234036}],"sentiment":"neutral","sentiment_score":0.05953161550892724,"channel":0,"num_words":45,"start":1352.635,"end":1365.615},{"sentences":[{"text":"And then from there, I'll","start":1366.44,"end":1367.48,"sentiment":"neutral","sentiment_score":0.03577646389603615}],"sentiment":"neutral","sentiment_score":0.03577646389603615,"channel":0,"num_words":5,"start":1366.44,"end":1367.48},{"sentences":[{"text":"Okay.","start":1367.315,"end":1367.815,"sentiment":"neutral","sentiment_score":0.05768928676843643}],"sentiment":"neutral","sentiment_score":0.05768928676843643,"channel":1,"num_words":1,"start":1367.315,"end":1367.815},{"sentences":[{"text":"email out the CDM information in regards to visiting a solicitor or just getting some general information before going to see a solicitor in regards to setting up a will and a power of attorney with that just so you have the information as well.","start":1367.48,"end":1380.885,"sentiment":"neutral","sentiment_score":0.0632170962376727},{"text":"In","start":1382.325,"end":1382.485,"sentiment":"neutral","sentiment_score":-0.015735026448965073}],"sentiment":"neutral","sentiment_score":0.06150074574448492,"channel":0,"num_words":46,"start":1367.48,"end":1382.485},{"sentences":[{"text":"Yeah.","start":1382.355,"end":1382.855,"sentiment":"neutral","sentiment_score":-0.035374242812395096}],"sentiment":"neutral","sentiment_score":-0.035374242812395096,"channel":1,"num_words":1,"start":1382.355,"end":1382.855},{"sentences":[{"text":"addition to that one, your ID is currently expired as well in terms of, like, the one we have on file, so we would have to update that before we implement anything as well for you.","start":1382.485,"end":1390.745,"sentiment":"neutral","sentiment_score":-0.048867006993128195},{"text":"So","start":1391.4451,"end":1391.9451,"sentiment":"neutral","sentiment_score":-0.005226708948612213}],"sentiment":"neutral","sentiment_score":-0.04768753947841155,"channel":0,"num_words":37,"start":1382.485,"end":1391.9451},{"sentences":[{"text":"What's 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have a valid ID on file before implementing advice.","start":1402.1,"end":1404.84,"sentiment":"neutral","sentiment_score":0.0821889645674012}],"sentiment":"neutral","sentiment_score":0.06865568615888294,"channel":0,"num_words":38,"start":1393.06,"end":1404.84},{"sentences":[{"text":"Oh, okay.","start":1405.675,"end":1406.155,"sentiment":"neutral","sentiment_score":0.010357887484133244},{"text":"What one's expired by the last or whatever?","start":1406.155,"end":1408.2351,"sentiment":"neutral","sentiment_score":-0.06374048721045256},{"text":"Yeah.","start":1408.2351,"end":1408.555,"sentiment":"neutral","sentiment_score":0.023665502667427063},{"text":"Okay.","start":1408.555,"end":1409.055,"sentiment":"neutral","sentiment_score":0.05886748433113098}],"sentiment":"neutral","sentiment_score":-0.033889594643066324,"channel":1,"num_words":12,"start":1405.675,"end":1409.055},{"sentences":[{"text":"Yeah.","start":1408.995,"end":1409.3151,"sentiment":"neutral","sentiment_score":0.10327139496803284},{"text":"So if you just send in a front back copy, even just respond to the email I send out with the ID photo, whether it's your driver's license or passport, just front and back, and then we can get","start":1409.3151,"end":1418.995,"sentiment":"neutral","sentiment_score":0.11249599376550087}],"sentiment":"neutral","sentiment_score":0.11226537879556417,"channel":0,"num_words":40,"start":1408.995,"end":1418.995},{"sentences":[{"text":"Yeah.","start":1418.87,"end":1419.37,"sentiment":"neutral","sentiment_score":0.10788636654615402}],"sentiment":"neutral","sentiment_score":0.10788636654615402,"channel":1,"num_words":1,"start":1418.87,"end":1419.37},{"sentences":[{"text":"that all implemented too.","start":1418.995,"end":1420.38,"sentiment":"neutral","sentiment_score":0.1364721804857254},{"text":"In regards to","start":1420.9401,"end":1421.58,"sentiment":"neutral","sentiment_score":0.07501368472973506}],"sentiment":"neutral","sentiment_score":0.11013282516172954,"channel":0,"num_words":7,"start":1418.995,"end":1421.58},{"sentences":[{"text":"Okay.","start":1421.4299,"end":1421.9299,"sentiment":"neutral","sentiment_score":0.1887252777814865}],"sentiment":"neutral","sentiment_score":0.1887252777814865,"channel":1,"num_words":1,"start":1421.4299,"end":1421.9299},{"sentences":[{"text":"another document that is outstanding, but it isn't in the document pack that says it's just a tax file opt in form as well.","start":1421.58,"end":1426.64,"sentiment":"neutral","sentiment_score":0.09800019930116832},{"text":"They've just updated the form where we store your tax file number.","start":1426.78,"end":1429.26,"sentiment":"neutral","sentiment_score":0.20869649822513262},{"text":"So at some point, they'll probably send that out to you just to be able to sign to where we store your tax file number moving forward as opposed to where we've stored it previously just to be a little bit more compliant and keeping things updated, if that makes sense.","start":1429.26,"end":1441.6649,"sentiment":"neutral","sentiment_score":0.2186567616813323}],"sentiment":"neutral","sentiment_score":0.18399836330663885,"channel":0,"num_words":87,"start":1421.58,"end":1441.6649},{"sentences":[{"text":"Yeah.","start":1442.42,"end":1442.92,"sentiment":"positive","sentiment_score":0.39576828479766846}],"sentiment":"positive","sentiment_score":0.39576828479766846,"channel":1,"num_words":1,"start":1442.42,"end":1442.92},{"sentences":[{"text":"Perfect.","start":1443.485,"end":1443.985,"sentiment":"positive","sentiment_score":0.6103940606117249},{"text":"And then with regards to the fees, you'll still be on the same fee structure with that.","start":1444.445,"end":1450.66,"sentiment":"neutral","sentiment_score":0.3164233898415285},{"text":"And then with based on your current balance, 1.65%, it'll be roughly around $2,400 and $2,472 as an annual fee.","start":1450.66,"end":1460.5,"sentiment":"neutral","sentiment_score":0.21509079858660698},{"text":"But, obviously, that depends on how the markets grow and perform because it is a monthly figure based on the percentage balance at that time across twelve months.","start":1460.5,"end":1467.955,"sentiment":"neutral","sentiment_score":0.09672476510916438},{"text":"So if the markets do well, it obviously goes up a bit if they sort of stay stagnant or go down a little bit in that time frame.","start":1468.015,"end":1473.215,"sentiment":"neutral","sentiment_score":-0.07343637757003307}],"sentiment":"neutral","sentiment_score":0.11642002671005879,"channel":0,"num_words":94,"start":1443.485,"end":1473.215},{"sentences":[{"text":"It actually charges you a bit less, so it proportionates it a little bit more across the year and how the markets are performing.","start":1473.215,"end":1478.755,"sentiment":"neutral","sentiment_score":0.023525886548062164}],"sentiment":"neutral","sentiment_score":0.023525886548062164,"channel":0,"num_words":24,"start":1473.215,"end":1478.755},{"sentences":[{"text":"Yes.","start":1480.845,"end":1481.245,"sentiment":"positive","sentiment_score":0.3484755754470825},{"text":"Good.","start":1481.245,"end":1481.745,"sentiment":"positive","sentiment_score":0.5965636968612671}],"sentiment":"positive","sentiment_score":0.4725196361541748,"channel":1,"num_words":2,"start":1480.845,"end":1481.745},{"sentences":[{"text":"Perfect.","start":1483.2599,"end":1483.7599,"sentiment":"positive","sentiment_score":0.5338650345802307},{"text":"One of the other main sort of risks or disadvantages to sort of pay attention to given the current volatility in the market, though, is with those changes, If the markets were to sort of jump up while you're in cash, there's a potential that you sort of miss out on that little bit of growth.","start":1484.46,"end":1498.425,"sentiment":"neutral","sentiment_score":-0.29909136784928186},{"text":"If they go the other way while you're in cash, it's obviously a bit of a benefit.","start":1498.425,"end":1501.405,"sentiment":"neutral","sentiment_score":0.06928538574891932},{"text":"But given how volatile the markets are and how much they're sort of changing day on day, whether it's ups and downs, Just doing that regards to those time it takes to sell down those investments and be reinvested, there is about that two week period where you could be not invested or being cash or waiting for a sell down to where you'd be reinvested.","start":1501.545,"end":1518.04,"sentiment":"neutral","sentiment_score":-0.13057316455877188},{"text":"So within that period, if it drops, fantastic.","start":1518.26,"end":1520.28,"sentiment":"neutral","sentiment_score":0.17681878618896008}],"sentiment":"neutral","sentiment_score":-0.15027485526091344,"channel":0,"num_words":148,"start":1483.2599,"end":1520.28},{"sentences":[{"text":"You get a little bit of a a sale.","start":1520.3401,"end":1522.255,"sentiment":"positive","sentiment_score":0.4155527386400435},{"text":"If it goes back up, you bought at a little bit higher of a cost base than what you would sort of be selling at in terms of, like, the market cost.","start":1522.255,"end":1529.455,"sentiment":"neutral","sentiment_score":-0.05489860661327839},{"text":"Does that make sense?","start":1529.455,"end":1530.515,"sentiment":"neutral","sentiment_score":0.04592216573655605}],"sentiment":"neutral","sentiment_score":0.04815350886848238,"channel":0,"num_words":45,"start":1520.3401,"end":1530.515},{"sentences":[{"text":"Oh, okay.","start":1532.21,"end":1532.85,"sentiment":"neutral","sentiment_score":-0.014980140142142773},{"text":"Yep.","start":1532.85,"end":1533.195,"sentiment":"neutral","sentiment_score":-0.02551010809838772}],"sentiment":"neutral","sentiment_score":-0.018490129460891087,"channel":1,"num_words":3,"start":1532.21,"end":1533.195},{"sentences":[{"text":"So that's sort of the main risk to be considering in regards to the change.","start":1534.59,"end":1540.35,"sentiment":"neutral","sentiment_score":-0.23268110950787863},{"text":"And then, obviously, with that as well, you wouldn't have those those managed funds.","start":1540.35,"end":1544.91,"sentiment":"neutral","sentiment_score":-0.2200470119714737},{"text":"So you wouldn't have the ability to outperform the markets moving forward until such time that gets adjusted and you put those managed funds, like, back in if that's something you wanted in future as well.","start":1544.91,"end":1555.185,"sentiment":"neutral","sentiment_score":-0.1861092617942227}],"sentiment":"neutral","sentiment_score":-0.20416628053555122,"channel":0,"num_words":65,"start":1534.59,"end":1555.185},{"sentences":[{"text":"Alright.","start":1557.24,"end":1557.74,"sentiment":"neutral","sentiment_score":-0.055143143981695175},{"text":"So what?","start":1557.96,"end":1558.52,"sentiment":"neutral","sentiment_score":-0.06985489279031754},{"text":"We'll have to get manage funds up to a higher amount.","start":1558.52,"end":1561.58,"sentiment":"neutral","sentiment_score":-0.07557922466234727}],"sentiment":"neutral","sentiment_score":-0.07330174291772502,"channel":1,"num_words":14,"start":1557.24,"end":1561.58},{"sentences":[{"text":"So it just depends on what level of risk you wanna take.","start":1563.1,"end":1565.66,"sentiment":"neutral","sentiment_score":-0.08814276941120625},{"text":"Obviously, the business at the moment, Oakview's, like, investment community is leaning towards the more passive index approach in regards to how well the markets have been performing and then the cost of those investments as opposed to those managed funds.","start":1565.66,"end":1576.755,"sentiment":"neutral","sentiment_score":-0.0818803513013735},{"text":"And then with how Bandelon has performed, they are moving away from that investment.","start":1576.755,"end":1580.855,"sentiment":"neutral","sentiment_score":-0.1616153780903135},{"text":"Not to say that you can't have managed funds in the future or if you did really want that ability to potentially outperform the markets and have that little bit more risk even with the same allocation to growth.","start":1580.915,"end":1591.6001,"sentiment":"neutral","sentiment_score":-0.1147519517212342},{"text":"It is something you can have.","start":1591.6001,"end":1592.9601,"sentiment":"neutral","sentiment_score":0.07730936755736668}],"sentiment":"neutral","sentiment_score":-0.09543654322624207,"channel":0,"num_words":112,"start":1563.1,"end":1592.9601},{"sentences":[{"text":"It's just a a personal investment decision.","start":1592.9601,"end":1595.2001,"sentiment":"neutral","sentiment_score":0.015232253819704056},{"text":"Obviously, I'm recommending the more passive index approach at a cheaper cost given the current markets.","start":1595.2001,"end":1601.4601,"sentiment":"neutral","sentiment_score":0.09088008780963719},{"text":"Not so to say that you can't sort of say I want the active management or in future want the active management back to try and outperform the markets again.","start":1601.76,"end":1609.525,"sentiment":"neutral","sentiment_score":-0.11677700119713942},{"text":"Yep.","start":1613.905,"end":1614.145,"sentiment":"neutral","sentiment_score":0.029095128178596497},{"text":"Do you have any questions","start":1614.145,"end":1615.1051,"sentiment":"neutral","sentiment_score":0.022819871082901955}],"sentiment":"neutral","sentiment_score":-0.030498446959812762,"channel":0,"num_words":59,"start":1592.9601,"end":1615.1051},{"sentences":[{"text":"Yes.","start":1614.8301,"end":1615.3301,"sentiment":"neutral","sentiment_score":0.01785445399582386}],"sentiment":"neutral","sentiment_score":0.01785445399582386,"channel":1,"num_words":1,"start":1614.8301,"end":1615.3301},{"sentences":[{"text":"in regards to that, Ren?","start":1615.1051,"end":1616.25,"sentiment":"neutral","sentiment_score":0.010260671563446521}],"sentiment":"neutral","sentiment_score":0.010260671563446521,"channel":0,"num_words":5,"start":1615.1051,"end":1616.25},{"sentences":[{"text":"No.","start":1617.405,"end":1617.605,"sentiment":"neutral","sentiment_score":-0.18674010038375857},{"text":"No.","start":1617.605,"end":1617.8049,"sentiment":"neutral","sentiment_score":-0.20170557498931885},{"text":"No.","start":1617.8049,"end":1618.005,"sentiment":"neutral","sentiment_score":-0.22560298442840576},{"text":"I'm over there.","start":1618.005,"end":1619.105,"sentiment":"neutral","sentiment_score":-0.19322289526462555}],"sentiment":"neutral","sentiment_score":-0.19895289093255997,"channel":1,"num_words":6,"start":1617.405,"end":1619.105},{"sentences":[{"text":"Yeah.","start":1619.93,"end":1620.17,"sentiment":"neutral","sentiment_score":-0.05844658613204956},{"text":"So, obviously, we did consider rebalancing the portfolio and just 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remove?","start":1649.415,"end":1650.4551,"sentiment":"neutral","sentiment_score":-0.02839658111333847},{"text":"It's been a long one, can you?","start":1650.4551,"end":1651.915,"sentiment":"neutral","sentiment_score":-0.10920544500861849}],"sentiment":"neutral","sentiment_score":-0.06338096696596879,"channel":1,"num_words":13,"start":1648.935,"end":1651.915},{"sentences":[{"text":"Yep.","start":1653.51,"end":1653.8301,"sentiment":"neutral","sentiment_score":0.15978439152240753},{"text":"So if you looked at this and go, actually, I'm happy with my portfolio overall, and I just wanna get rid of the underperforming Benelon and switch it out for, like, the BetaShares Australian 200, which is the comparative sort of option there, you could do that as well and just have the 10% in the Australian 200 and then keep the rest of your investments the same or somewhat jig it a little bit differently because you do have the Raffy Australian 200 currently, which is Australian 200 index list.","start":1653.8301,"end":1683.1699,"sentiment":"neutral","sentiment_score":0.2579264868419249},{"text":"It's just calculated a little bit differently to the the the beta shares Australian two hundred.","start":1683.1699,"end":1687.5099,"sentiment":"neutral","sentiment_score":0.10815962450578809},{"text":"So with that, you might have some overlapping there if you were to just do the 10% bet along for the beta shares Australian 200.","start":1688.37,"end":1694.865,"sentiment":"neutral","sentiment_score":0.13685355871915816},{"text":"But that is an option there for you as well if you're happy with how your portfolio is currently doing and don't actually wanna do a full change.","start":1695.0851,"end":1701.265,"sentiment":"neutral","sentiment_score":0.12175383977591991}],"sentiment":"neutral","sentiment_score":0.19995090166419188,"channel":0,"num_words":161,"start":1653.51,"end":1701.265},{"sentences":[{"text":"Yeah.","start":1703.915,"end":1704.235,"sentiment":"neutral","sentiment_score":0.05784213915467262},{"text":"No.","start":1704.235,"end":1704.315,"sentiment":"neutral","sentiment_score":-0.020557723939418793},{"text":"I don't know.","start":1704.315,"end":1704.795,"sentiment":"neutral","sentiment_score":-0.10395774741967519},{"text":"I'll just pull change.","start":1704.795,"end":1706.075,"sentiment":"neutral","sentiment_score":-0.058118127286434174},{"text":"I thought, yeah, I'll just leave it to you guys and as long as you, you know, control it and keep it growing.","start":1706.075,"end":1711.48,"sentiment":"neutral","sentiment_score":0.1574340569584266}],"sentiment":"neutral","sentiment_score":0.09731006168294698,"channel":1,"num_words":32,"start":1703.915,"end":1711.48},{"sentences":[{"text":"That's the only","start":1712.1,"end":1712.74,"sentiment":"neutral","sentiment_score":0.02542269726594289}],"sentiment":"neutral","sentiment_score":0.02542269726594289,"channel":1,"num_words":3,"start":1712.1,"end":1712.74},{"sentences":[{"text":"Yeah.","start":1712.69,"end":1713.09,"sentiment":"neutral","sentiment_score":0.04424573481082916}],"sentiment":"neutral","sentiment_score":0.04424573481082916,"channel":0,"num_words":1,"start":1712.69,"end":1713.09},{"sentences":[{"text":"ones.","start":1712.74,"end":1713.24,"sentiment":"neutral","sentiment_score":0.05777584761381149}],"sentiment":"neutral","sentiment_score":0.05777584761381149,"channel":1,"num_words":1,"start":1712.74,"end":1713.24},{"sentences":[{"text":"So, obviously, we're recommending, like, a a full update of the portfolio, which will mean a bit more of a significant change.","start":1713.09,"end":1719.025,"sentiment":"neutral","sentiment_score":0.24575088105418466},{"text":"And that also means that with how Benelon has performed, it would offset the the loss that did occur, some of the the capital gains when switching up the portfolio now.","start":1719.025,"end":1729.045,"sentiment":"neutral","sentiment_score":0.27645248511145193},{"text":"But as I said, if you did review it and sort of still wanna keep your ClearBridge active management and then keep the rest of your portfolio with how it has been performing over the last few years, and then just switching out the bet along, that's an option for you as well.","start":1729.85,"end":1742.565,"sentiment":"neutral","sentiment_score":0.22492160732453725},{"text":"But","start":1745.125,"end":1745.445,"sentiment":"neutral","sentiment_score":0.088702492415905}],"sentiment":"neutral","sentiment_score":0.24286069254451823,"channel":0,"num_words":107,"start":1713.09,"end":1745.445},{"sentences":[{"text":"Oh, okay.","start":1745.1499,"end":1745.71,"sentiment":"neutral","sentiment_score":0.15379569679498672},{"text":"Yep.","start":1745.71,"end":1746.21,"sentiment":"neutral","sentiment_score":0.19687607884407043}],"sentiment":"neutral","sentiment_score":0.1681558241446813,"channel":1,"num_words":3,"start":1745.1499,"end":1746.21},{"sentences":[{"text":"yeah.","start":1746.1649,"end":1746.485,"sentiment":"neutral","sentiment_score":0.20211684703826904},{"text":"Yeah.","start":1746.485,"end":1746.8049,"sentiment":"neutral","sentiment_score":0.20362094044685364},{"text":"But the recommendation, obviously, is to change the portfolio a little bit more significantly, and you can see that on page 16, the recommendations.","start":1746.8049,"end":1752.9049,"sentiment":"neutral","sentiment_score":0.19264725285271803},{"text":"But make sure, you know, have a read through it, see if you are happy with that change.","start":1753.125,"end":1757.2101,"sentiment":"neutral","sentiment_score":0.29757096866766614},{"text":"And then if not, you can sort of let us know because at the moment too, you do have some exposure to, like, food.","start":1757.2101,"end":1763.39,"sentiment":"neutral","sentiment_score":-0.03315976013739904}],"sentiment":"neutral","sentiment_score":0.1410252213039819,"channel":0,"num_words":68,"start":1746.1649,"end":1763.39},{"sentences":[{"text":"You also have a bit of exposure there in that actively managed portion as I was saying.","start":1764.3301,"end":1769.775,"sentiment":"neutral","sentiment_score":-0.03899506994468324},{"text":"And then you've got that Rafi Australian 200, which is calculated and settled a bit differently to the beta shares Australian 200 in terms of, like, the top 200 companies in Australia and how they'll pick those in regards to the metrics they use to pick those top 200.","start":1769.775,"end":1784.035,"sentiment":"neutral","sentiment_score":0.0669821560839001}],"sentiment":"neutral","sentiment_score":0.03968499180381045,"channel":0,"num_words":66,"start":1764.3301,"end":1784.035},{"sentences":[{"text":"Alright.","start":1785.885,"end":1786.2051,"sentiment":"neutral","sentiment_score":0.07594846934080124},{"text":"So have a look at that page 16, see if I wanna change the portfolio.","start":1786.2051,"end":1790.0651,"sentiment":"neutral","sentiment_score":0.08924751629432043}],"sentiment":"neutral","sentiment_score":0.08841632585972548,"channel":1,"num_words":16,"start":1785.885,"end":1790.0651},{"sentences":[{"text":"Yeah.","start":1791.49,"end":1791.81,"sentiment":"neutral","sentiment_score":0.13885797560214996},{"text":"So, obviously, you can see your current portfolio on the left in regards to the current weightings you currently have.","start":1791.81,"end":1797.645,"sentiment":"neutral","sentiment_score":0.1470944207161665},{"text":"And then on the right hand side, you'll be able to see the buyers and sales to get to the portfolio that we are recommending.","start":1797.885,"end":1804.465,"sentiment":"neutral","sentiment_score":0.17056302547454835},{"text":"But if you aren't happy with that, you can just let us know.","start":1805.165,"end":1807.485,"sentiment":"neutral","sentiment_score":0.052039857380665265},{"text":"We can sort of work with you to to make some changes.","start":1807.485,"end":1810.2051,"sentiment":"neutral","sentiment_score":0.22029658469061056}],"sentiment":"neutral","sentiment_score":0.15020984773274879,"channel":0,"num_words":71,"start":1791.49,"end":1810.2051},{"sentences":[{"text":"Or if you did decide that I want the active management from high cost to potentially outperform the market, we can sort of work with that as well to try and do that.","start":1810.2051,"end":1818.5,"sentiment":"neutral","sentiment_score":0.1450218124823137},{"text":"But, obviously, the recommendation is to go a bit more passive index at a lower cost to aim for some savings in terms of the investment cost and aim for those high performed performance over the the long term through the indexed investments?","start":1818.5,"end":1831.855,"sentiment":"neutral","sentiment_score":0.22631815803605457}],"sentiment":"neutral","sentiment_score":0.19101842904561445,"channel":0,"num_words":76,"start":1810.2051,"end":1831.855},{"sentences":[{"text":"Alright.","start":1834.59,"end":1835.09,"sentiment":"neutral","sentiment_score":0.11649280786514282},{"text":"Yeah.","start":1835.175,"end":1835.415,"sentiment":"neutral","sentiment_score":0.11817725002765656},{"text":"Yeah.","start":1835.415,"end":1835.915,"sentiment":"neutral","sentiment_score":0.13687625527381897}],"sentiment":"neutral","sentiment_score":0.12384877105553944,"channel":1,"num_words":3,"start":1834.59,"end":1835.915},{"sentences":[{"text":"Yep.","start":1836.715,"end":1837.195,"sentiment":"neutral","sentiment_score":0.15384694933891296},{"text":"Do you have any questions in regards to that, Ryan?","start":1837.195,"end":1839.455,"sentiment":"neutral","sentiment_score":0.09662295803427697}],"sentiment":"neutral","sentiment_score":0.10182513906197115,"channel":0,"num_words":11,"start":1836.715,"end":1839.455},{"sentences":[{"text":"No.","start":1840.775,"end":1841.015,"sentiment":"neutral","sentiment_score":-0.033355385065078735},{"text":"It's all good.","start":1841.015,"end":1841.655,"sentiment":"neutral","sentiment_score":0.12028688440720241},{"text":"I'm sorry.","start":1841.655,"end":1842.135,"sentiment":"neutral","sentiment_score":-0.030514830723404884},{"text":"Yeah.","start":1842.135,"end":1842.4551,"sentiment":"neutral","sentiment_score":0.03607640787959099},{"text":"It's it's a lot of different stuff for me to understand.","start":1842.4551,"end":1845.015,"sentiment":"neutral","sentiment_score":0.0727573697539893}],"sentiment":"neutral","sentiment_score":0.06127128232684401,"channel":1,"num_words":18,"start":1840.775,"end":1845.015},{"sentences":[{"text":"But, yeah, now I'm sort of getting the gist of it.","start":1845.015,"end":1847.515,"sentiment":"neutral","sentiment_score":0.16596728427843613}],"sentiment":"neutral","sentiment_score":0.16596728427843613,"channel":1,"num_words":11,"start":1845.015,"end":1847.515},{"sentences":[{"text":"Yeah.","start":1847.93,"end":1848.33,"sentiment":"neutral","sentiment_score":0.0614035427570343},{"text":"A lot of information coming at you.","start":1848.33,"end":1850.09,"sentiment":"neutral","sentiment_score":0.02060534485748836},{"text":"So, obviously, take your time.","start":1850.09,"end":1851.61,"sentiment":"neutral","sentiment_score":0.03833692371845245},{"text":"I don't wanna take up all of your afternoon there, but take your time.","start":1851.61,"end":1854.625,"sentiment":"neutral","sentiment_score":-0.06415653548070363},{"text":"Have a read through it.","start":1854.625,"end":1855.9249,"sentiment":"neutral","sentiment_score":0.1340176060795784}],"sentiment":"neutral","sentiment_score":0.005288190906867385,"channel":0,"num_words":32,"start":1847.93,"end":1855.9249},{"sentences":[{"text":"As I said, the main switch page is on that page 16 if you'd be able to see the changes.","start":1855.985,"end":1861.345,"sentiment":"neutral","sentiment_score":0.10369448736310005},{"text":"And then in the appendix, you'll be able to see the recommended investment list.","start":1861.345,"end":1865.985,"sentiment":"neutral","sentiment_score":0.14764349641544477},{"text":"So you'll still have the main core of your portfolio.","start":1865.985,"end":1868.885,"sentiment":"neutral","sentiment_score":0.16745782718062402},{"text":"It's the sort of outside, satellites that will be changing majority.","start":1869.105,"end":1873.74,"sentiment":"neutral","sentiment_score":0.07169781320474365},{"text":"And in regards","start":1874.44,"end":1875.32,"sentiment":"neutral","sentiment_score":0.015806170801321667}],"sentiment":"neutral","sentiment_score":0.11468226597483816,"channel":0,"num_words":58,"start":1855.985,"end":1875.32},{"sentences":[{"text":"Yep.","start":1875.145,"end":1875.645,"sentiment":"neutral","sentiment_score":-0.01733572781085968}],"sentiment":"neutral","sentiment_score":-0.01733572781085968,"channel":1,"num_words":1,"start":1875.145,"end":1875.645},{"sentences":[{"text":"to not having those managed funds is like a key change as well.","start":1875.32,"end":1879.1,"sentiment":"neutral","sentiment_score":-0.29768377313247096}],"sentiment":"neutral","sentiment_score":-0.29768377313247096,"channel":0,"num_words":13,"start":1875.32,"end":1879.1},{"sentences":[{"text":"Oh, okay.","start":1880.4099,"end":1881.87,"sentiment":"neutral","sentiment_score":-0.01822246052324772},{"text":"Yeah.","start":1882.0099,"end":1882.33,"sentiment":"neutral","sentiment_score":0.01892523467540741},{"text":"And so what I can choose so I sort of wanna invest in that 16 to to change bed along to someone else who's doing","start":1882.33,"end":1890.8099,"sentiment":"neutral","sentiment_score":0.035391269624233244}],"sentiment":"neutral","sentiment_score":0.03097364479409797,"channel":1,"num_words":28,"start":1880.4099,"end":1890.8099},{"sentences":[{"text":"So,","start":1890.535,"end":1890.9349,"sentiment":"neutral","sentiment_score":0.002201054245233536}],"sentiment":"neutral","sentiment_score":0.002201054245233536,"channel":0,"num_words":1,"start":1890.535,"end":1890.9349},{"sentences":[{"text":"better","start":1890.8099,"end":1891.0499,"sentiment":"neutral","sentiment_score":-0.01269395649433136}],"sentiment":"neutral","sentiment_score":-0.01269395649433136,"channel":1,"num_words":1,"start":1890.8099,"end":1891.0499},{"sentences":[{"text":"yeah,","start":1890.9349,"end":1891.255,"sentiment":"neutral","sentiment_score":0.031237315386533737}],"sentiment":"neutral","sentiment_score":0.031237315386533737,"channel":0,"num_words":1,"start":1890.9349,"end":1891.255},{"sentences":[{"text":"on that.","start":1891.0499,"end":1891.485,"sentiment":"neutral","sentiment_score":0.013146175071597098}],"sentiment":"neutral","sentiment_score":0.013146175071597098,"channel":1,"num_words":2,"start":1891.0499,"end":1891.485},{"sentences":[{"text":"at the at the moment, like, that is the the recommended change.","start":1891.255,"end":1895.735,"sentiment":"neutral","sentiment_score":-0.08212350370983283},{"text":"But if you're not happy with the recommended change, then we can look to maybe do something else and keep the active management.","start":1895.735,"end":1901.5399,"sentiment":"negative","sentiment_score":-0.36238023509149964},{"text":"But at the moment, we are getting rid of Bandalong.","start":1901.5399,"end":1903.3799,"sentiment":"neutral","sentiment_score":-0.3212707906961441},{"text":"We're getting rid of the ClearBridge rare infrastructure, which are both your managed funds, and then some changes to your other underlying satellite to adjust that for what we believe, like, the markets will be doing sort of in the next five to seven years.","start":1903.3799,"end":1916.095,"sentiment":"neutral","sentiment_score":-0.1918571581443151}],"sentiment":"neutral","sentiment_score":-0.23518341638975673,"channel":0,"num_words":90,"start":1891.255,"end":1916.095},{"sentences":[{"text":"Okay.","start":1917.8099,"end":1918.3099,"sentiment":"neutral","sentiment_score":0.010791439563035963},{"text":"Well, yeah,","start":1920.5851,"end":1920.905,"sentiment":"neutral","sentiment_score":0.009510423988103867}],"sentiment":"neutral","sentiment_score":0.0099374291797479,"channel":1,"num_words":3,"start":1917.8099,"end":1920.905},{"sentences":[{"text":"Yeah.","start":1920.875,"end":1921.375,"sentiment":"neutral","sentiment_score":0.04313639551401138}],"sentiment":"neutral","sentiment_score":0.04313639551401138,"channel":0,"num_words":1,"start":1920.875,"end":1921.375},{"sentences":[{"text":"I'll have a look at it and maybe maybe ring back up and or change whatever I need to change on on the email and send it back and then yeah.","start":1920.905,"end":1929.645,"sentiment":"neutral","sentiment_score":0.01907772270421828}],"sentiment":"neutral","sentiment_score":0.01907772270421828,"channel":1,"num_words":31,"start":1920.905,"end":1929.645},{"sentences":[{"text":"Yeah.","start":1931.21,"end":1931.71,"sentiment":"neutral","sentiment_score":0.027370693162083622}],"sentiment":"neutral","sentiment_score":0.027370693162083622,"channel":0,"num_words":1,"start":1931.21,"end":1931.71},{"sentences":[{"text":"Change change that a","start":1931.39,"end":1932.4299,"sentiment":"neutral","sentiment_score":-0.026305967941880226}],"sentiment":"neutral","sentiment_score":-0.026305967941880226,"channel":1,"num_words":4,"start":1931.39,"end":1932.4299},{"sentences":[{"text":"Phone","start":1932.25,"end":1932.65,"sentiment":"neutral","sentiment_score":-0.06588591635227203}],"sentiment":"neutral","sentiment_score":-0.06588591635227203,"channel":0,"num_words":1,"start":1932.25,"end":1932.65},{"sentences":[{"text":"bit","start":1932.4299,"end":1932.6699,"sentiment":"neutral","sentiment_score":-0.04926854372024536}],"sentiment":"neutral","sentiment_score":-0.04926854372024536,"channel":1,"num_words":1,"start":1932.4299,"end":1932.6699},{"sentences":[{"text":"call","start":1932.65,"end":1932.8099,"sentiment":"neutral","sentiment_score":-0.05299343168735504}],"sentiment":"neutral","sentiment_score":-0.05299343168735504,"channel":0,"num_words":1,"start":1932.65,"end":1932.8099},{"sentences":[{"text":"longer.","start":1932.6699,"end":1933.1699,"sentiment":"neutral","sentiment_score":-0.058885395526885986}],"sentiment":"neutral","sentiment_score":-0.058885395526885986,"channel":1,"num_words":1,"start":1932.6699,"end":1933.1699},{"sentences":[{"text":"is probably a bit easier than a email, Trevor.","start":1932.8099,"end":1934.8099,"sentiment":"neutral","sentiment_score":-0.020083831002314884},{"text":"But if you respond to my email that I send out and you go, I'm actually not I want some changes in regards to what you did recommend, we can sort of have another phone call and see what you'd rather have and what you don't like about what my recommendation was.","start":1934.8099,"end":1948.4651,"sentiment":"neutral","sentiment_score":-0.2854214648787792},{"text":"But if you are happy with the recommendation of that portfolio, then you can obviously just sign the document, and then we'll get that implemented for you after the ID is received.","start":1948.8451,"end":1957.39,"sentiment":"neutral","sentiment_score":0.24439692869782448},{"text":"But, otherwise, I'll leave you in your hands to be able to have a read through and see if you're happy with it or not.","start":1957.39,"end":1962.85,"sentiment":"neutral","sentiment_score":0.18725089758634567}],"sentiment":"neutral","sentiment_score":-0.021361834701087514,"channel":0,"num_words":118,"start":1932.8099,"end":1962.85},{"sentences":[{"text":"Yeah.","start":1963.83,"end":1964.15,"sentiment":"neutral","sentiment_score":0.1288074105978012},{"text":"I have a look and yeah.","start":1964.15,"end":1965.35,"sentiment":"neutral","sentiment_score":0.0984418752292792},{"text":"I'm pretty well, pretty much just trusting you guys to do what you think is best, I guess, with the all the investing in that, you know, you guys are probably better than me.","start":1965.35,"end":1974.875,"sentiment":"positive","sentiment_score":0.6087169708574519},{"text":"That's for sure.","start":1974.875,"end":1975.855,"sentiment":"positive","sentiment_score":0.38262991110483807},{"text":"Yeah.","start":1976.875,"end":1977.115,"sentiment":"neutral","sentiment_score":0.2979466915130615}],"sentiment":"positive","sentiment_score":0.5080371576878759,"channel":1,"num_words":45,"start":1963.83,"end":1977.115},{"sentences":[{"text":"I'll have a look and then, yeah, I'll just give you a callback and then, yeah, go from there.","start":1977.115,"end":1982.255,"sentiment":"neutral","sentiment_score":0.14833069279005653}],"sentiment":"neutral","sentiment_score":0.14833069279005653,"channel":1,"num_words":19,"start":1977.115,"end":1982.255},{"sentences":[{"text":"Not a problem.","start":1983.02,"end":1983.8401,"sentiment":"neutral","sentiment_score":0.2987493673960368},{"text":"Obviously, it goes a bit too late.","start":1985.18,"end":1987.02,"sentiment":"neutral","sentiment_score":0.06511824844138962},{"text":"I'll probably won't be at work this afternoon, but choose an email there as well, and we can get you booked back in a time to to discuss any concerns you might have.","start":1987.02,"end":1994.6749,"sentiment":"neutral","sentiment_score":0.17057566118962836}],"sentiment":"neutral","sentiment_score":0.16235052698919938,"channel":0,"num_words":43,"start":1983.02,"end":1994.6749},{"sentences":[{"text":"Yeah.","start":1995.91,"end":1996.15,"sentiment":"neutral","sentiment_score":0.11815275251865388},{"text":"Yeah.","start":1996.15,"end":1996.3099,"sentiment":"neutral","sentiment_score":0.11559626460075378},{"text":"Yeah.","start":1996.3099,"end":1996.55,"sentiment":"neutral","sentiment_score":0.1161307841539383},{"text":"No.","start":1996.55,"end":1996.87,"sentiment":"neutral","sentiment_score":0.06333597749471664},{"text":"So I'll do this sometime next week, I guess.","start":1996.87,"end":1999.035,"sentiment":"neutral","sentiment_score":0.14120402683814368}],"sentiment":"neutral","sentiment_score":0.1295424631008735,"channel":1,"num_words":13,"start":1995.91,"end":1999.035},{"sentences":[{"text":"Not a problem at all, Rhen.","start":2000.095,"end":2001.475,"sentiment":"positive","sentiment_score":0.34082795182863873},{"text":"Obviously, yeah, quite straightforward in the sense that it is the mainly the investment update, retaining everything else, and then setting up your beneficiaries' wills and power of attorney.","start":2002.015,"end":2011.47,"sentiment":"neutral","sentiment_score":0.2826207033519087},{"text":"But as I said, I'm gonna read through the risk advantages, disadvantages, and see how you feel about it.","start":2012.4099,"end":2018.01,"sentiment":"neutral","sentiment_score":0.1855425219002523},{"text":"And if you wanna have further discussion, happy days.","start":2018.01,"end":2020.0499,"sentiment":"positive","sentiment_score":0.38183338443438214},{"text":"If you're happy with the recommendation, yeah, you can go ahead and sign, and then it would just get implemented once the all the requirements are are done.","start":2020.0499,"end":2028.345,"sentiment":"positive","sentiment_score":0.39004027524164747}],"sentiment":"neutral","sentiment_score":0.3090538922083247,"channel":0,"num_words":91,"start":2000.095,"end":2028.345},{"sentences":[{"text":"But otherwise, I'll let you get back to you after noon.","start":2028.345,"end":2030.025,"sentiment":"neutral","sentiment_score":0.09542243385856802},{"text":"They're gonna not wanna take up all of it, and then I'm sure we'll be talking in the next sort of week or so.","start":2030.025,"end":2034.3269,"sentiment":"neutral","sentiment_score":0.011439424008131027}],"sentiment":"neutral","sentiment_score":0.037834084246839796,"channel":0,"num_words":35,"start":2028.345,"end":2034.3269},{"sentences":[{"text":"Yeah.","start":2035.255,"end":2035.575,"sentiment":"positive","sentiment_score":0.4074184000492096},{"text":"Sounds good, man.","start":2035.575,"end":2036.535,"sentiment":"positive","sentiment_score":0.7567936579386393},{"text":"Cheers.","start":2036.535,"end":2037.035,"sentiment":"positive","sentiment_score":0.7120121717453003}],"sentiment":"positive","sentiment_score":0.6779623091220855,"channel":1,"num_words":5,"start":2035.255,"end":2037.035},{"sentences":[{"text":"Not a problem.","start":2037.6069,"end":2038.247,"sentiment":"positive","sentiment_score":0.6445234020551046},{"text":"Enjoy the rest of your afternoon, man.","start":2038.247,"end":2039.5269,"sentiment":"positive","sentiment_score":0.7829497371401105},{"text":"Thanks for your time.","start":2039.5269,"end":2040.507,"sentiment":"positive","sentiment_score":0.8257162570953369}],"sentiment":"positive","sentiment_score":0.7655059567519596,"channel":0,"num_words":14,"start":2037.6069,"end":2040.507},{"sentences":[{"text":"You too, man.","start":2040.855,"end":2041.495,"sentiment":"positive","sentiment_score":0.6196813782056173},{"text":"Cheers.","start":2041.495,"end":2041.917,"sentiment":"positive","sentiment_score":0.6245540380477905}],"sentiment":"positive","sentiment_score":0.6208995431661606,"channel":1,"num_words":4,"start":2040.855,"end":2041.917},{"sentences":[{"text":"Yeah.","start":2042.7269,"end":2042.9669,"sentiment":"positive","sentiment_score":0.46949702501297},{"text":"Thanks.","start":2042.9669,"end":2043.2869,"sentiment":"positive","sentiment_score":0.6425755023956299},{"text":"Bye.","start":2043.2869,"end":2043.7869,"sentiment":"neutral","sentiment_score":-0.05633322894573212}],"sentiment":"positive","sentiment_score":0.35191309948762256,"channel":0,"num_words":3,"start":2042.7269,"end":2043.7869}]},"summary":{"result":"success","short":"A representative from Micro Financial, Carl, discusses the retirement savings and budgeting for the customer's home renovation with Ryan and provides information on retirement savings and budgeting for the home renovation. The speaker recommends managing debts and renovations on one's own and using a local mortgage broker to manage cash flow and budgeting day-to-day. The speaker emphasizes the importance of maintaining a valid ID and managing funds to ensure proper liquidity, as well as the need to switch out the underperforming portfolio and passive investments. The speaker also suggests establishing a power of attorney and changing the portfolio for a lower cost to aim for savings in investment costs. The customer is advised to review the portfolio and consider the recommendations before making any changes."},"intents":{"segments":[{"text":"Just to jump into that one today there, Brandon, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that. Ren Michael Vandersworth.","start_word":52,"end_word":86,"intents":[{"intent":"Pass security information","confidence_score":0.12384813}]},{"text":"Now I know when booking in, you did speak to my colleague, and you did adjust some of your asset values and your debt values. One of those was sort of quite significant. Is that just because when we felt like I had a conversation end of last year, you hadn't really evaluated your homes, and then also you weren't a 100% sure on your actual levels? Yeah. Yeah.","start_word":98,"end_word":166,"intents":[{"intent":"Adjust asset values","confidence_score":0.49863386}]},{"text":"And the amount that came off that debt value, was that due to anything, or is that just the fact that you might have just sort of disclosed the higher amount when we last spoke? What's that?","start_word":192,"end_word":228,"intents":[{"intent":"Share debt information","confidence_score":0.00016381351}]},{"text":"the update there. I'll change it back to the $6.80.","start_word":345,"end_word":354,"intents":[{"intent":"Provide update","confidence_score":0.008288022}]},{"text":"Obviously, with that, given that you have, like, sort of a few assets there plus your couple of children and your your partner, it's important to have those sort of things in place in case anything did happen.","start_word":703,"end_word":740,"intents":[{"intent":"Share assets","confidence_score":0.00006958132}]},{"text":"In regards to that document there too, I'd say quite straightforward. We're just looking at retaining that hub twenty four, looking at change those underlying investments.","start_word":1184,"end_word":1209,"intents":[{"intent":"Update portfolio recommendations","confidence_score":0.0009805687}]},{"text":"So what bit along is the one that's not doing too well and then infrastructure's doing well? Yeah.","start_word":1670,"end_word":1687,"intents":[{"intent":"Analyze fund performance","confidence_score":0.33565253}]},{"text":"Like, well, a portion of your portfolio will correct a little bit. They'll sell down a bit because with how well it's done, it jumped out to about 20% of your portfolio. And then with that, it'll come back to to about 10 with the rebalance.","start_word":2000,"end_word":2045,"intents":[{"intent":"Inform about portfolio changes","confidence_score":0.0061299573}]},{"text":"Historically, over the past, like, three year rolling averages, it has performed better with the index funds, as opposed to, obviously, Chris having that been along and how well it's done, it sort of hindered your growth a little bit.","start_word":2215,"end_word":2254,"intents":[{"intent":"Address investment challenges","confidence_score":0.0012163692}]},{"text":"So you'll be able to see how things are doing individually. And if you ever did see something that you're a bit worried about, you can always give us a call and address it as well. Obviously, over the next three to six months, it might not be doing too fantastic even with the the change, and that's purely because, like, the markets themselves aren't doing too fantastic. Yeah.","start_word":3360,"end_word":3428,"intents":[{"intent":"Evaluate market performance","confidence_score":0.18912883}]},{"text":"You'll have a bit more diversification, and you'll reduce your your manager risk while still maintaining adequate exposure to growth assets to try and get that growth.","start_word":3694,"end_word":3720,"intents":[{"intent":"Reducing insurance coverage","confidence_score":0.008799703}]},{"text":"You do have to sort of potentially bridge some gaps in regards to ongoing costs and living and things like that, either through government assistance programs or potentially having to sell investment properties and things like that. Does that make sense as well? Yeah.","start_word":3780,"end_word":3823,"intents":[{"intent":"Reducing costs and living","confidence_score":0.09425903},{"intent":"Addressing conflicts","confidence_score":0.000244066}]},{"text":"And then giving you a statement too on how you'd like to distribute your funds between your your partner and your children, we just recommended doing 50<unk> to your partner and 25% to each child.","start_word":3898,"end_word":3932,"intents":[{"intent":"Leaving funds","confidence_score":0.093075976}]},{"text":"And then with that, establishing a will, just so you do have that in place for you, estate assets versus United States assets being your super, and then setting up a power of attorney in conjunction with that just to ensure if anything did happen to you, whoever your power of attorney is is able to make some financial or health related decisions for you if you're somewhat incapacitated.","start_word":4078,"end_word":4146,"intents":[{"intent":"Set up will","confidence_score":0.41875058},{"intent":"Establish will","confidence_score":0.0063526225}]},{"text":"Because I get income protection through my work. Yeah.","start_word":4160,"end_word":4168,"intents":[{"intent":"Cover income","confidence_score":0.40049258}]},{"text":"And then we can send you out another copy of your hub 24 beneficiary if you'd like. Yeah.","start_word":4216,"end_word":4233,"intents":[{"intent":"Send beneficiary copy","confidence_score":0.69883853}]},{"text":"and do you have access to a printer at all?","start_word":4269,"end_word":4278,"intents":[{"intent":"Check access to printer","confidence_score":0.0025942426}]},{"text":"email out the CDM information in regards to visiting a solicitor or just getting some general information before going to see a solicitor in regards to setting up a will and a power of attorney with that just so you have the information as well. In Yeah.","start_word":4341,"end_word":4387,"intents":[{"intent":"Update cdm information","confidence_score":0.3359913}]},{"text":"But given how volatile the markets are and how much they're sort of changing day on day, whether it's ups and downs, Just doing that regards to those time it takes to sell down those investments and be reinvested, there is about that two week period where you could be not invested or being cash or waiting for a sell down to where you'd be reinvested.","start_word":4811,"end_word":4876,"intents":[{"intent":"Analyze market volatility","confidence_score":0.0324254}]},{"text":"So, obviously, we did consider rebalancing the portfolio and just removing the Benelon. However, based on the historical performance and the recommended portfolio, just having a mixture of those acts assets and having the future diversification with the recommendation. We just lent towards more going that index approach with a bit better diversification and a bit better mix in terms of, like, the investments you hold and the cost you're paying for those. Yes.","start_word":5196,"end_word":5269,"intents":[{"intent":"Rebalancing portfolio","confidence_score":0.013661774}]},{"text":"But as I said, if you did review it and sort of still wanna keep your ClearBridge active management and then keep the rest of your portfolio with how it has been performing over the last few years, and then just switching out the bet along, that's an option for you as well. But Oh, okay.","start_word":5533,"end_word":5588,"intents":[{"intent":"Review portfolio recommendations","confidence_score":0.020506244}]},{"text":"But the recommendation, obviously, is to change the portfolio a little bit more significantly, and you can see that on page 16, the recommendations.","start_word":5591,"end_word":5614,"intents":[{"intent":"Change portfolio","confidence_score":0.7142322}]},{"text":"But the recommendation, obviously, is to change the portfolio a little bit more significantly, and you can see that on page 16, the recommendations. But make sure, you know, have a read through it, see if you are happy with that change.","start_word":5591,"end_word":5632,"intents":[{"intent":"Help with portfolio recommendations","confidence_score":0.00023340984}]},{"text":"So you'll still have the main core of your portfolio. It's the sort of outside, satellites that will be changing majority.","start_word":5995,"end_word":6015,"intents":[{"intent":"Organize portfolio updates","confidence_score":0.00013526165}]}]},"sentiments":{"segments":[{"text":"Hello. Wren speaking.","start_word":0,"end_word":2,"sentiment":"neutral","sentiment_score":0.05253737419843674},{"text":"Good afternoon, Ryan. It's Carl calling from Micro Financial.","start_word":3,"end_word":11,"sentiment":"positive","sentiment_score":0.3756651282310486},{"text":"How are you today?","start_word":12,"end_word":15,"sentiment":"neutral","sentiment_score":0.3276977241039276},{"text":"Good, man.","start_word":16,"end_word":17,"sentiment":"positive","sentiment_score":0.4266521334648132},{"text":"Yourself? Yeah.","start_word":18,"end_word":19,"sentiment":"neutral","sentiment_score":0.23678135871887207},{"text":"Not too bad at all. I just got you in for that presentation this afternoon.","start_word":20,"end_word":34,"sentiment":"positive","sentiment_score":0.3569912612438202},{"text":"Yeah. No worries. Yep.","start_word":35,"end_word":38,"sentiment":"neutral","sentiment_score":0.2804378271102905},{"text":"Now's still a good time for you?","start_word":39,"end_word":45,"sentiment":"positive","sentiment_score":0.4364800453186035},{"text":"Yeah. Yeah. Okay. Not a problem. Just to jump into that one today there, Brandon, if I could just pass you through security with that name, date of birth, and current address, we can get stuck into that. Ren Michael Vandersworth. 4th of the third 1987 and 22 Lazenby Avenue Ravensburg.","start_word":46,"end_word":96,"sentiment":"neutral","sentiment_score":0.1420794278383255},{"text":"Perfect.","start_word":97,"end_word":97,"sentiment":"positive","sentiment_score":0.6030051708221436},{"text":"Now I know when booking in, you did speak to my colleague, and you did adjust some of your asset values and your debt values. One of those was sort of quite significant. Is that just because when we felt like I had a conversation end of last year, you hadn't really evaluated your homes, and then also you weren't a 100% sure on your actual levels? Yeah. Yeah. They've actually yeah. They've all taken a big big change, mate. There's been a lot of shift in property in Perth. Okay. Not a problem. And the amount that came off that debt value, was that due to anything, or is that just the fact that you might have just sort of disclosed the higher amount when we last spoke? What's that? The the The mortgage on your primary residence there? yeah. So it's down to, I think, it's $6.80, I think, now. I had a look yesterday. Oh, okay. Not a problem. What Because about we had right? 6 it 700 hundred there? and then, yeah, and then you stated 600, so it was just changed there. Yeah. Yeah. No. I got that wrong. Yeah. It's going up a lot in bed. That's all. Yeah. Not a problem. I just thought that like, you maybe got some sort of inheritance or something like that, but I'll make a a copy here. The the SOA does state 600 there just given what you did disclose Yes. in No. the update there. I'll change it back to the $6.80. That's fine.","start_word":98,"end_word":356,"sentiment":"neutral","sentiment_score":-0.023918617516756054},{"text":"If you did want an updated copy with that 1 figure change, that's more than fine as well.","start_word":357,"end_word":374,"sentiment":"positive","sentiment_score":0.3418494760990143},{"text":"But in regards to the document there, Wren, I'll just be sending that out to your email at wren van I have bandaddress@gmail.com. Is that still your correct email?","start_word":375,"end_word":403,"sentiment":"neutral","sentiment_score":0.0656530112028122},{"text":"Yeah. Perfect.","start_word":404,"end_word":405,"sentiment":"positive","sentiment_score":0.585553765296936},{"text":"Now in regards to this one, you'll have your statement of advice, the appendix to it, the Okta services guide and financial services guide. And then there's the PDFs Yep. in regards to your super product and then the Vanguard index chart. Now I'm sort of aware of your time there as well because I know you do get quite busy. Did you want me to just go through, like, a quick run through for you, Renan? Come you can come back with any questions you might have in regards to the document or Yeah.","start_word":406,"end_word":500,"sentiment":"neutral","sentiment_score":0.13025999069213867},{"text":"That's fine, mate.","start_word":501,"end_word":503,"sentiment":"positive","sentiment_score":0.3610960841178894},{"text":"Yeah. otherwise, we can, like, take our time and run through it a little bit more in-depth with you here today if you want to. We'll just make it quick, man, and see if you Okay. Not a problem at all. So in regards to that one, obviously, once that comes through your email, but, obviously, it's an advice piece prepared for yourself by myself and the team there as an authorized representative under OP Financial. Obviously, in regards to investments, we do it in regards to best interest you're trying to put you in a better position than where you're currently at.","start_word":504,"end_word":606,"sentiment":"neutral","sentiment_score":0.14957693219184875},{"text":"And with this advice piece, I know it is quite simple in the terms that you were pretty happy with how things were going.","start_word":607,"end_word":630,"sentiment":"positive","sentiment_score":0.4984038472175598},{"text":"We're just doing a review basically in regards to your investments just due to the Benelon and just doing a a total look. And we also did include some estate planning matters just given that you still don't have those in place in regards to your hub 24 beneficiary form there or the the wills and estate planning sort of side of things. Yeah. I probably need you. I'm sorry, actually. Yeah. Obviously, with that, given that you have, like, sort of a few assets there plus your couple of children and your your partner, it's important to have those sort of things in place in case anything did happen. In addition to that one, we did put limited scope in for your group cover because, obviously, you didn't wanna sort of look at changing that. We just put it limitedly in to illustrate the cost that it's currently costing impact that can have on super. As far as debt and property, you are happy managing these things yourself in regards to paying them down and the debts that are managing the property and looking at potentially another investment property. Obviously, you have access to the people here as far as mortgage brokers are concerned and then also some trusted partners that we can refer you on to as far as mortgage brokers outside of OQ Financial as well. Yeah. Yeah.","start_word":631,"end_word":861,"sentiment":"neutral","sentiment_score":0.07384007849863597},{"text":"Now in regards to budgeting savings, obviously, you're happy managing that yourself in regards to doing your your renovations and enjoying some family time with holidays and have you. We can also send out the budget planner if you ever did want that just for you to manage your own sort of cash flow and budgeting day to day for your debts and holiday and things like that as well.","start_word":862,"end_word":931,"sentiment":"positive","sentiment_score":0.432537317276001},{"text":"Yeah. Yeah. Yeah. I'm I'm just fine with it at the moment. Probably wouldn't mind talking to someone to see what I can do with more sort of equity in the houses, I Yep. I can pass your details along to one of the Oaktree, like, trusted partners, a mortgage broker, just with your general details and what you're trying to do and potentially looking at refinancing or looking at potentially, like, another investment property if that's what you're after. Yeah. Well, we've got a lot of equity in this house and my rental and then my partner's gone as well, but I just do it my on my own sort of thing. Not a problem. Did you want me to make that email introduction for you so they can give you a phone call and then have a discussion with you? Yeah. It's not a bad idea. Not a problem. Obviously, there's a couple here we work with. So if you're not happy with the one we refer you on to, we can always pass you along to a different one as well. Is there a time that sort of better suits you? Obviously, I know you're in WA, so it's a bit of a a stretch there, but is it sort of more afternoons that work better? Yeah. Yeah. Yeah. I'll just sort of Alright. put lighters. So any time for the day, sort of, it doesn't matter.","start_word":932,"end_word":1171,"sentiment":"neutral","sentiment_score":0.1103145780041814},{"text":"I can do it for all the work.","start_word":1172,"end_word":1179,"sentiment":"positive","sentiment_score":0.4101424813270569},{"text":"Okay.","start_word":1180,"end_word":1180,"sentiment":"neutral","sentiment_score":0.2607964873313904},{"text":"Not a problem.","start_word":1181,"end_word":1183,"sentiment":"positive","sentiment_score":0.3519432246685028},{"text":"In regards to that document there too, I'd say quite straightforward. We're just looking at retaining that hub twenty four, looking at change those underlying investments. We're recommending, obviously, you set up your beneficiary nominations, establish a will, and a power of attorney. I can also send through some information there for some local solicitor here, just their general wills and estates information booklet as well. And same thing goes, you can sort of utilize their service. They are a separate service or you can sort of find someone local to you, but at least it's a nice bit of information to have.","start_word":1184,"end_word":1286,"sentiment":"neutral","sentiment_score":0.2636600732803345},{"text":"Yeah. Perfect.","start_word":1287,"end_word":1288,"sentiment":"positive","sentiment_score":0.4587933421134949},{"text":"Obviously, on page nine there, you will see that it is slightly if you the the mortgage details in regards to that primary residence, it does state 600 as you just said as $6.80. And then the page before that, you'll see just your general details. And then the page after that, you'll be able to see your insurances and your current superannuation fund and what you hold in terms of the value as of the date of the advice document. Then in regards to risk profile there, Ren, you score the growth. We're still recommending you stay in the growth. The main difference in regards to recommendation versus what you've currently got. So you do have some active portions inside your current portions inside your current superannuation. Now one of those has been along, which hasn't performed great at all, and another one is ClearBridge rare infrastructure. Now that managed fund has performed quite well over the time since you've had it, but the recommended update in the way that sort of Ophi is going at the moment in terms of investment direction, they are looking at doing a lower cost, passive approach in returns to an index investment sort of split with the core and satellite as opposed to having some of those managed funds. Now the benefit of that is, obviously, it comes at a lower cost that reduces some volatility and it, like, eliminates that manager risk of having, like, what happened with Benelon. The the difference with that, though, is you don't have the potential to outperform the market. So with those managed funds, if the fund managers do their job and do well, the additional cost you pay, they have the ability to potentially outperform the markets by picking and choosing the investments they hold, Whereas those indexes just track the market indexes in whatever sort of region or industry that they're sort of based in. And then you're just tracking a certain amount of companies within that. And as they sort of rise and fall, it's dynamic in the sense that they'd update. But in saying that, you won't be picking and choosing, like, the winners anymore to try and do better than what the market is doing, if that makes sense. Yeah. Okay. So what bit along is the one that's not doing too well and then infrastructure's doing well? Yeah. And they're your two managed funds, and at at the moment, it sort of, like, cancels out in regards to, like, obviously, one doing well and one doing poorly.","start_word":1289,"end_word":1716,"sentiment":"neutral","sentiment_score":0.1009998027165638},{"text":"But saying that Bedelon has done a lot worse than what the ClearBridge has done good over that twelve month period.","start_word":1717,"end_word":1737,"sentiment":"negative","sentiment_score":-0.3716952800750733},{"text":"So you're still down in terms of, like, your managed funds as opposed to, like, your index investment so far actually doing quite well. Now not to say that your super has done poorly in terms of, like, since you've been onboard, it's actually done quite well. Obviously, with the market correction with the Iran war and then with what happened with Bennelong, it's obviously taken a bit of a dive. The Bennelong Yeah. Okay.","start_word":1738,"end_word":1812,"sentiment":"neutral","sentiment_score":-0.26754501461982727},{"text":"one somewhat could have been avoided based because it was underlying investment issue at the end of last year that caused their initial dip, and then that was a further, like, exacerbated by the the war and causing all the markets to take a bit of a dive. You still did 5% off the fees for the the last twelve months, which obviously isn't fantastic with everything going on.","start_word":1813,"end_word":1881,"sentiment":"negative","sentiment_score":-0.4095531702041626},{"text":"It's sort of expected to have a little bit of a lull year, but it could have been a bit better if you didn't have that 10% sort of in that Ben Long managed fund, if that makes sense. Yeah. Okay. Yeah. Because it's been a fair bit going to gold too, isn't it, over the last couple of years? Yes. So you still hold. Let me just see how much it's actually sitting at the moment. Gold at the moment, given how much it's sort of gone up, it's done around 35.5% over the last twelve months with that one. And then with the update, you'll still hold gold, and it will still be an active portion. Like, well, a portion of your portfolio will correct a little bit. They'll sell down a bit because with how well it's done, it jumped out to about 20% of your portfolio. And then with that, it'll come back to to about 10 with the rebalance. And then you'll have some bank hybrids, which is your defensive portion. They are getting phased out. So in the future, that won't be in your portfolio, but that's still a defensive portion. You'll have an allocation to cybersecurity, and then the key holdings will be the S and P five hundred, which will be around 30%. And then you'll also have the BetaShares Australia two hundred, which is sort of the replacement for Benelon in the Australian market, and that'll be 20%. And then you'll have a few other satellites with Europe, Japan, and then a Vanguard all with excluding US investment. Pardon me. And that'll be sort of from 5% just to have you some exposure in some different geographical locations outside those key holdings that you do hold. Alright.","start_word":1882,"end_word":2177,"sentiment":"neutral","sentiment_score":0.03308790549635887},{"text":"Now, obviously, with how sort of things are, you will get a guarantee that you will be saving money with that investment change.","start_word":2178,"end_word":2200,"sentiment":"positive","sentiment_score":0.36166682839393616},{"text":"And then with that, that'll obviously go to be out of being reinvested. Historically, over the past, like, three year rolling averages, it has performed better with the index funds, as opposed to, obviously, Chris having that been along and how well it's done, it sort of hindered your growth a little bit. And not to say, as I said, that it's performed horrendously since your time on board.","start_word":2201,"end_word":2269,"sentiment":"neutral","sentiment_score":-0.192890055504614},{"text":"But given the last twelve months, the investment committee is moving away from that.","start_word":2270,"end_word":2283,"sentiment":"negative","sentiment_score":-0.3990267217159271},{"text":"And then with that with the update to save on cost and then also smooth out some volatility for some longer term growth with how well the markets have been doing over that three to five year period, The indexes have been performing quite well.","start_word":2284,"end_word":2328,"sentiment":"neutral","sentiment_score":0.3294212818145752},{"text":"And then hopefully, like, moving forward, they'll continue to have that steady growth, and you won't have to take on as much managed risk as you do currently and still have the same, like, allocation to to growth assets, if not just slightly more with less sort of risk in regards to those picking and choosing of those winners, if that makes sense.","start_word":2329,"end_word":2391,"sentiment":"positive","sentiment_score":0.4068525433540344},{"text":"How long will that be, you say? Pardon? How long how long until it's not so until I have to risk so much? Or is it or is it just So in regards to that, you'll still have, like, an eighty twenty split into sort of growth assets to defensive assets. You just won't carry the manager risk of those managed funds if you were to take on the update. Now the alternative, if you did still wanna maintain level of active management, you could, like, keep the the ClearBridge or you could sort of have an actively managed fund.","start_word":2392,"end_word":2491,"sentiment":"neutral","sentiment_score":-0.018711423501372337},{"text":"But with that, you carry that manager risk still, and it comes at a higher investment cost. And there is still the potential that much like sort of Ben Lung has, like, a bad year where they pick and choose a wrong investment and have quite a significant drop.","start_word":2492,"end_word":2540,"sentiment":"negative","sentiment_score":-0.45443040132522583},{"text":"And then with that, you're sort of waiting on those good years to to come back, whereas the index is it does what the markets are doing and attracts the markets.","start_word":2541,"end_word":2571,"sentiment":"neutral","sentiment_score":-0.13752345740795135},{"text":"Now, obviously, with what's going on at the moment, the markets aren't doing term fantastic, but neither are the managed funds.","start_word":2572,"end_word":2592,"sentiment":"negative","sentiment_score":-0.34702444076538086},{"text":"And then with that, if Yeah.","start_word":2593,"end_word":2598,"sentiment":"neutral","sentiment_score":-0.09721408039331436},{"text":"the market's doing well and you're getting growth in the economy, then those indexes track quite nicely. And the S and P 500, if you look at sort of, you know, $10,000 invested back way back when versus, like, sort of those managed funds. The indexes tend to, over the long term, provide better sort of returns and more consistent returns through those goods as well as opposed to taking on the more managed risk of someone trying to pick and choose what is happening through that time frame.","start_word":2599,"end_word":2687,"sentiment":"positive","sentiment_score":0.44670623540878296},{"text":"Do you have any questions regarding that at all, Ryan? Alright. Not too much. Long as it's all going well, but I haven't actually seen the balance for a while. Yeah. I don't know As how I it's said, all going. obviously, in the past three months there since the the war and everything kicked off, it's not doing too fantastic.","start_word":2688,"end_word":2748,"sentiment":"neutral","sentiment_score":-0.11708308756351472},{"text":"And likely, it'll sort of still be quite stagnant until that sort of resolved in terms of, like, your time tool for retirement.","start_word":2749,"end_word":2771,"sentiment":"negative","sentiment_score":-0.3513222932815552},{"text":"It is a little bit of a blip on the radar, so I'm not too sure how much you paid attention with, like, the tariff talk and how that affected your super originally, but it took quite Sure. a dive at the start of the year. And then it recovered nicely from that, and then, obviously, this is a bit of a just a double whammy. But since you've been on board after fees, you've done around 22.6.","start_word":2772,"end_word":2849,"sentiment":"neutral","sentiment_score":-0.1255003809928894},{"text":"And then with that, it's sort of grown nicely in that period as well with how much you've put in, obviously, in regards to the growth that you're getting out of it as well.","start_word":2850,"end_word":2883,"sentiment":"positive","sentiment_score":0.3361031413078308},{"text":"Okay. Because Have I believe you got the balance there at the moment? yep. It's around a $132,464. Okay. And what Yeah. how But much I is that up from last year? What was it at last year? so if I go just down to, like, a dollar figure around sort of let's just double check. In gen January 2025 or February 2025 is around 113,000. Okay. So it's up with that $20 in a year. And that's, like, obviously contributions and growth. It was up around the $1. 40 mark before, obviously, the Benelong and then the wall kicking off, and then it's just taking a bit of a a correction.","start_word":2884,"end_word":2994,"sentiment":"neutral","sentiment_score":0.028174505443186372},{"text":"Oh, okay. That's good to know. Yeah.","start_word":2995,"end_word":3001,"sentiment":"positive","sentiment_score":0.5217600464820862},{"text":"And I believe, I'm like, sorry. when I you don't came have any on of board, that.","start_word":3002,"end_word":3018,"sentiment":"neutral","sentiment_score":0.1902056783437729},{"text":"your balance was around, like, the 77 sort of mark, so it's been pretty steady, consistent sort of growth. Yeah. A lot better than what I was looking for paying that. So now I'm still happy with it all.","start_word":3019,"end_word":3057,"sentiment":"positive","sentiment_score":0.546282172203064},{"text":"Yeah. And then although, like, it could have been a bit better, like, it is, like, in the expected range, it was, like, annualized figure as well. I think it's around a bit over sort of 7% around that sort of just under 8% of, like, an annualized figure even with the dip that has occurred, and it would be a bit higher if that didn't occur, and that's after fees as well, not like a before fee thing. Yeah. Okay. And then with that, like, obviously, moving forward, the investment fee would drop. So it would mean you'd have more money going into investments and the returns and getting that returns. I think it's around $426 you'd be saving in investment cost by not having those managed funds and not taking the gamble and just sort of tracking what the market indexes are doing. It's not to say you can't revisit it in the future as well and potentially add some form of active portion back. But at the moment, with the way things are being quite volatile and trying to pick those winners, being an index is a bit of a safer option.","start_word":3058,"end_word":3252,"sentiment":"neutral","sentiment_score":0.12507784366607666},{"text":"And then going forward, you are saving money with that as well while having a nice group of diversification in your portfolio.","start_word":3253,"end_word":3274,"sentiment":"positive","sentiment_score":0.5063732266426086},{"text":"Yeah. Yeah. Yeah. No. Cool. Yep.","start_word":3275,"end_word":3280,"sentiment":"neutral","sentiment_score":0.1608613133430481},{"text":"Perfect. So, yeah, within regards to that one, but moving more to a more diversified portfolio, you get a nice market exposure. And then from there, you will have a a bit lower volatility through that diversification and the lack of manager risk, and then you'll still maintain, obviously, the transparency in your suit for being able to monitor your investments as opposed to being in, like, a a separately managed account and things like that as well. So you'll be able to see how things are doing individually.","start_word":3281,"end_word":3369,"sentiment":"positive","sentiment_score":0.43993830011132057},{"text":"And if you ever did see something that you're a bit worried about, you can always give us a call and address it as well.","start_word":3370,"end_word":3394,"sentiment":"neutral","sentiment_score":0.1307863891124725},{"text":"Obviously, over the next three to six months, it might not be doing too fantastic even with the the change, and that's purely because, like, the markets themselves aren't doing too fantastic.","start_word":3395,"end_word":3426,"sentiment":"negative","sentiment_score":-0.34347838163375854},{"text":"Yeah. Yeah. Yeah. Yep. Alright.","start_word":3427,"end_word":3431,"sentiment":"neutral","sentiment_score":0.1639980673789978},{"text":"And, yeah, obviously, with that, you'll still maintain the group insurances having hub and not changing platforms either. You'll have the benefit of not having to pay full CGT. The sell downs will just be on the the assets that are changing, and you will be able to have a look at those and see the actual changes themselves on page 16 and just review what's selling and what's buying and make sure you are happy with that.","start_word":3432,"end_word":3509,"sentiment":"positive","sentiment_score":0.4729357659816742},{"text":"And then if you did have any concerns, there also are some links in the appendix to be able to review those investments that we are recommending that are new. And then you'll be able to see what is selling out and what's maintaining out of your current portfolio there as well.","start_word":3510,"end_word":3561,"sentiment":"neutral","sentiment_score":0.24047693610191345},{"text":"And given that S and P 500 still is a key component of that, you'll save on any capital gains that you've got from holding that investment previously.","start_word":3562,"end_word":3589,"sentiment":"positive","sentiment_score":0.3565032482147217},{"text":"Okay. That makes sense? Yeah. Yep. Obviously, there is a projection there as well, but that's to be taken with a grain of salt. No one knows really what the markets are gonna do, and then the markets aren't gonna replicate. So we use the rolling averages, but in saying that no one's gonna sort of have the markets replicate three years from the same three years or five years from the same five years, it just means that it just based it on a historical data.","start_word":3590,"end_word":3676,"sentiment":"neutral","sentiment_score":-0.006205688696354628},{"text":"And then with that, the main thing is that you will be saving on money. You'll have a bit more diversification, and you'll reduce your your manager risk while still maintaining adequate exposure to growth assets to try and get that growth.","start_word":3677,"end_word":3718,"sentiment":"positive","sentiment_score":0.5410159464393344},{"text":"Now we did also include the needs analysis just to illustrate potential shortfalls in your insurance coverage.","start_word":3719,"end_word":3735,"sentiment":"neutral","sentiment_score":-0.06568450480699539},{"text":"Obviously, you're happy with the group cover that you do have in aiming at being somewhat more self insured through your investment and property outside of super, so that's more than fine.","start_word":3736,"end_word":3767,"sentiment":"positive","sentiment_score":0.47685134410858154},{"text":"It's just something to be aware of. That should anything happen. You do have to sort of potentially bridge some gaps in regards to ongoing costs and living and things like that, either through government assistance programs or potentially having to sell investment properties and things like that. Does that make sense as well? Yeah. I'm seeing the it should be alright at the moment, I think. Yeah. Because you do have the group cover in Hunt '24 for five hundred and ninety thousand in death and total permanent disability. But, obviously, if you're off work, unable to work with regards to, like, trying to claim on income protection, things like that, you just don't have that that cover at the moment, which is something to be aware of. And then giving you a statement too on how you'd like to distribute your funds between your your partner and your children, we just recommended doing 50<unk> to your partner and 25% to each child. Now you can obviously just pick your partner and just have to leave it a 100<unk> to the spouse and then through the will on that, should anything happen, like, leave it to the children and things like that through the setup of that. At the moment, given the kids are 18, your spouse, you just spouse, they're both or all three of them are tax dependent, so they would receive the funds tax free. If a child's over the 18 and no longer financially supported, they may not form a tax dependent, which just means that they may get charged additional taxes there. So when it gets to that stage, it might just be partner and working through your state and things like that in regards to your will to sort of better manage it in future, if that makes sense. Yes. Yep. And then with that, establishing a will, just so you do have that in place for you, estate assets versus United States assets being your super, and then setting up a power of attorney in conjunction with that just to ensure if anything did happen to you, whoever your power of attorney is is able to make some financial or health related decisions for you if you're somewhat incapacitated. So that'll make sense in regards to your state planning sort of thing? Yeah. Because I get income protection through my work. Yeah. Yep. So should be able to cover there with that. And yeah. It's bringing us up. No. No.","start_word":3768,"end_word":4185,"sentiment":"neutral","sentiment_score":0.04307073803894828},{"text":"Probably getting more work. I need more work.","start_word":4186,"end_word":4193,"sentiment":"negative","sentiment_score":-0.37338224053382874},{"text":"So there's no drama. You know, yeah, just sorting out the rules for registering to do, I guess. Yep.","start_word":4194,"end_word":4212,"sentiment":"neutral","sentiment_score":0.025409946218132973},{"text":"That's perfect.","start_word":4213,"end_word":4214,"sentiment":"positive","sentiment_score":0.627175509929657},{"text":"And then we can send you out another copy of your hub 24 beneficiary if you'd like. Yeah. I need to do that. Yeah. It's just you know, I haven't got around here. Yeah. If you And send it do you have out, I'll I'll try and get on to it this time. and do you have access to a printer at all? My partner does. I'll just have to get ahead of that. Yep. Perfect. With that one, whoever you nominate, obviously, can't be a witness signature on that. So if you do nominate your partner, she can't witness it as well. It has to be two people over the age of 18 that are on the beneficiaries. And then from there, I'll Okay. email out the CDM information in regards to visiting a solicitor or just getting some general information before going to see a solicitor in regards to setting up a will and a power of attorney with that just so you have the information as well. In Yeah. addition to that one, your ID is currently expired as well in terms of, like, the one we have on file, so we would have to update that before we implement anything as well for you. So What's that with one? an ID, so just for, like, AML risk or anti money laundering verifications and things like that and to ensure you're still a real person and alive. We're gonna have a valid ID on file before implementing advice. Oh, okay. What one's expired by the last or whatever? Yeah. Okay. Yeah. So if you just send in a front back copy, even just respond to the email I send out with the ID photo, whether it's your driver's license or passport, just front and back, and then we can get Yeah. that all implemented too. In regards to Okay. another document that is outstanding, but it isn't in the document pack that says it's just a tax file opt in form as well. They've just updated the form where we store your tax file number. So at some point, they'll probably send that out to you just to be able to sign to where we store your tax file number moving forward as opposed to where we've stored it previously just to be a little bit more compliant and keeping things updated, if that makes sense.","start_word":4215,"end_word":4613,"sentiment":"neutral","sentiment_score":0.08218286494563397},{"text":"Yeah. Perfect.","start_word":4614,"end_word":4615,"sentiment":"positive","sentiment_score":0.503081202507019},{"text":"And then with regards to the fees, you'll still be on the same fee structure with that. And then with based on your current balance, 1.65%, it'll be roughly around $2,400 and $2,472 as an annual fee. But, obviously, that depends on how the markets grow and perform because it is a monthly figure based on the percentage balance at that time across twelve months. So if the markets do well, it obviously goes up a bit if they sort of stay stagnant or go down a little bit in that time frame. It actually charges you a bit less, so it proportionates it a little bit more across the year and how the markets are performing.","start_word":4616,"end_word":4732,"sentiment":"neutral","sentiment_score":0.09873679280281068},{"text":"Yes. Good. Perfect.","start_word":4733,"end_word":4735,"sentiment":"positive","sentiment_score":0.4929680824279785},{"text":"One of the other main sort of risks or disadvantages to sort of pay attention to given the current volatility in the market, though, is with those changes, If the markets were to sort of jump up while you're in cash, there's a potential that you sort of miss out on that little bit of growth. If they go the other way while you're in cash, it's obviously a bit of a benefit. But given how volatile the markets are and how much they're sort of changing day on day, whether it's ups and downs, Just doing that regards to those time it takes to sell down those investments and be reinvested, there is about that two week period where you could be not invested or being cash or waiting for a sell down to where you'd be reinvested. So within that period, if it drops, fantastic.","start_word":4736,"end_word":4882,"sentiment":"neutral","sentiment_score":-0.13521408315013056},{"text":"You get a little bit of a a sale.","start_word":4883,"end_word":4891,"sentiment":"positive","sentiment_score":0.38885557651519775},{"text":"If it goes back up, you bought at a little bit higher of a cost base than what you would sort of be selling at in terms of, like, the market cost. Does that make sense? Oh, okay. Yep. So that's sort of the main risk to be considering in regards to the change. And then, obviously, with that as well, you wouldn't have those those managed funds. So you wouldn't have the ability to outperform the markets moving forward until such time that gets adjusted and you put those managed funds, like, back in if that's something you wanted in future as well. Alright. So what? We'll have to get manage funds up to a higher amount. So it just depends on what level of risk you wanna take. Obviously, the business at the moment, Oakview's, like, investment community is leaning towards the more passive index approach in regards to how well the markets have been performing and then the cost of those investments as opposed to those managed funds. And then with how Bandelon has performed, they are moving away from that investment. Not to say that you can't have managed funds in the future or if you did really want that ability to potentially outperform the markets and have that little bit more risk even with the same allocation to growth. It is something you can have. It's just a a personal investment decision. Obviously, I'm recommending the more passive index approach at a cheaper cost given the current markets. Not so to say that you can't sort of say I want the active management or in future want the active management back to try and outperform the markets again. Yep. Do you have any questions Yes. in regards to that, Ren? No. No. No. I'm over there. Yeah. So, obviously, we did consider rebalancing the portfolio and just removing the Benelon. However, based on the historical performance and the recommended portfolio, just having a mixture of those acts assets and having the future diversification with the recommendation. We just lent towards more going that index approach with a bit better diversification and a bit better mix in terms of, like, the investments you hold and the cost you're paying for those. Yes. So what can you remove? It's been a long one, can you? Yep. So if you looked at this and go, actually, I'm happy with my portfolio overall, and I just wanna get rid of the underperforming Benelon and switch it out for, like, the BetaShares Australian 200, which is the comparative sort of option there, you could do that as well and just have the 10% in the Australian 200 and then keep the rest of your investments the same or somewhat jig it a little bit differently because you do have the Raffy Australian 200 currently, which is Australian 200 index list. It's just calculated a little bit differently to the the the beta shares Australian two hundred. So with that, you might have some overlapping there if you were to just do the 10% bet along for the beta shares Australian 200. But that is an option there for you as well if you're happy with how your portfolio is currently doing and don't actually wanna do a full change. Yeah. No. I don't know. I'll just pull change. I thought, yeah, I'll just leave it to you guys and as long as you, you know, control it and keep it growing. That's the only Yeah. ones. So, obviously, we're recommending, like, a a full update of the portfolio, which will mean a bit more of a significant change. And that also means that with how Benelon has performed, it would offset the the loss that did occur, some of the the capital gains when switching up the portfolio now. But as I said, if you did review it and sort of still wanna keep your ClearBridge active management and then keep the rest of your portfolio with how it has been performing over the last few years, and then just switching out the bet along, that's an option for you as well. But Oh, okay. Yep. yeah. Yeah. But the recommendation, obviously, is to change the portfolio a little bit more significantly, and you can see that on page 16, the recommendations. But make sure, you know, have a read through it, see if you are happy with that change. And then if not, you can sort of let us know because at the moment too, you do have some exposure to, like, food. You also have a bit of exposure there in that actively managed portion as I was saying. And then you've got that Rafi Australian 200, which is calculated and settled a bit differently to the beta shares Australian 200 in terms of, like, the top 200 companies in Australia and how they'll pick those in regards to the metrics they use to pick those top 200. Alright. So have a look at that page 16, see if I wanna change the portfolio. Yeah. So, obviously, you can see your current portfolio on the left in regards to the current weightings you currently have. And then on the right hand side, you'll be able to see the buyers and sales to get to the portfolio that we are recommending. But if you aren't happy with that, you can just let us know. We can sort of work with you to to make some changes. Or if you did decide that I want the active management from high cost to potentially outperform the market, we can sort of work with that as well to try and do that. But, obviously, the recommendation is to go a bit more passive index at a lower cost to aim for some savings in terms of the investment cost and aim for those high performed performance over the the long term through the indexed investments? Alright. Yeah. Yeah. Yep. Do you have any questions in regards to that, Ryan? No. It's all good. I'm sorry. Yeah. It's it's a lot of different stuff for me to understand. But, yeah, now I'm sort of getting the gist of it. Yeah. A lot of information coming at you. So, obviously, take your time. I don't wanna take up all of your afternoon there, but take your time. Have a read through it. As I said, the main switch page is on that page 16 if you'd be able to see the changes. And then in the appendix, you'll be able to see the recommended investment list. So you'll still have the main core of your portfolio. It's the sort of outside, satellites that will be changing majority. And in regards Yep. to not having those managed funds is like a key change as well. Oh, okay. Yeah. And so what I can choose so I sort of wanna invest in that 16 to to change bed along to someone else who's doing So, better yeah, on that. at the at the moment, like, that is the the recommended change.","start_word":4892,"end_word":6076,"sentiment":"neutral","sentiment_score":0.0734822133485275},{"text":"But if you're not happy with the recommended change, then we can look to maybe do something else and keep the active management.","start_word":6077,"end_word":6099,"sentiment":"negative","sentiment_score":-0.35236218571662903},{"text":"But at the moment, we are getting rid of Bandalong. We're getting rid of the ClearBridge rare infrastructure, which are both your managed funds, and then some changes to your other underlying satellite to adjust that for what we believe, like, the markets will be doing sort of in the next five to seven years. Okay. Well, yeah, Yeah. I'll have a look at it and maybe maybe ring back up and or change whatever I need to change on on the email and send it back and then yeah. Yeah. Change change that a Phone bit call longer. is probably a bit easier than a email, Trevor. But if you respond to my email that I send out and you go, I'm actually not I want some changes in regards to what you did recommend, we can sort of have another phone call and see what you'd rather have and what you don't like about what my recommendation was. But if you are happy with the recommendation of that portfolio, then you can obviously just sign the document, and then we'll get that implemented for you after the ID is received. But, otherwise, I'll leave you in your hands to be able to have a read through and see if you're happy with it or not. Yeah. I have a look and yeah.","start_word":6100,"end_word":6323,"sentiment":"neutral","sentiment_score":-0.05679503455758095},{"text":"I'm pretty well, pretty much just trusting you guys to do what you think is best, I guess, with the all the investing in that, you know, you guys are probably better than me. That's for sure.","start_word":6324,"end_word":6360,"sentiment":"positive","sentiment_score":0.5734601020812988},{"text":"Yeah. I'll have a look and then, yeah, I'll just give you a callback and then, yeah, go from there. Not a problem. Obviously, it goes a bit too late. I'll probably won't be at work this afternoon, but choose an email there as well, and we can get you booked back in a time to to discuss any concerns you might have. Yeah. Yeah. Yeah. No. So I'll do this sometime next week, I guess.","start_word":6361,"end_word":6436,"sentiment":"neutral","sentiment_score":0.1517118364572525},{"text":"Not a problem at all, Rhen.","start_word":6437,"end_word":6442,"sentiment":"positive","sentiment_score":0.34273433685302734},{"text":"Obviously, yeah, quite straightforward in the sense that it is the mainly the investment update, retaining everything else, and then setting up your beneficiaries' wills and power of attorney. But as I said, I'm gonna read through the risk advantages, disadvantages, and see how you feel about it.","start_word":6443,"end_word":6490,"sentiment":"neutral","sentiment_score":0.23916897177696228},{"text":"And if you wanna have further discussion, happy days. If you're happy with the recommendation, yeah, you can go ahead and sign, and then it would just get implemented once the all the requirements are are done.","start_word":6491,"end_word":6527,"sentiment":"positive","sentiment_score":0.3889848589897156},{"text":"But otherwise, I'll let you get back to you after noon. They're gonna not wanna take up all of it, and then I'm sure we'll be talking in the next sort of week or so.","start_word":6528,"end_word":6562,"sentiment":"neutral","sentiment_score":0.0382254458963871},{"text":"Yeah. Sounds good, man. Cheers. Not a problem. Enjoy the rest of your afternoon, man. Thanks for your time. You too, man. Cheers. Yeah. Thanks. Bye.","start_word":6563,"end_word":6588,"sentiment":"positive","sentiment_score":0.6747435927391052}],"average":{"sentiment":"neutral","sentiment_score":0.087465887584314}}}}