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Mate, you gotta take it that way because otherwise, you might go stir crazy, but, you know, what's life without a little bit of drama? Well Uh-huh. And do people behave in a way that you think just defies common sense? Yeah, mate. My dad says the same thing, mate. I'm with you. I'm with you. Mate, I had you booked in for a bit of a catch up around the super before I jump into anything as a client of Oakview Financial now. Just wanted to see if you're okay to go through just a quick security process with me. Cool. So identify myself. I'm a senior adviser registered with ASIC. My number is 1273105. Are you okay for the calls to be recorded? Fantastic. And just for the security of your accounts, could I please confirm your date of birth and address, please, sir? Mhmm. Perfect. Thank you so much for that. And that is postcode 3377? K. Let me just perfect, mate. Thank you so much for that. Now I've got a few things open. I'm just having a look at your Hub 24 super. I've had a look at the advice that you were given and implemented a couple of months ago. Do you wanna just tell me in your own words the the main thing that you wanted to talk about or get out of this phone call? You would have seen quite a few circumstances. You would have seen global financial crisis in 2008, COVID nineties, you probably would have seen a few. Like, catch it up kind of thing. Yep. Yeah. Yeah. Yeah. I'm with you. Yeah. I can imagine. I can imagine. And that's one of the things that I try and tell a lot of the younger clients that come on board in their thirties and forties saying, why you've got the time ahead of you, it's all well and good to take on a lot of risk and try and grow you super quickly so you can retire earlier. That last ten to fifteen year period is kind of a a crunch period. Right? Because you're trying to get the growth to get you to the final figure that you need, but at the same time, you're then trying to protect what you've built because you don't wanna be 66, lose half your super year before you retire because the stock market's crashed. So it's this strange balancing act where you you tend to grow your super for, say, five to ten years depending on your risk level, and then you need to start protecting it gradually as you get closer to retirement. So, obviously, we've recommended for you to go into a high growth investment with a lot of passive ETFs, which is pretty rollercoaster y. I'm not gonna lie. And then, obviously, Christmas happens, the world starts going crazy again, stock market starts going up and down, and it could very well have a nice solid crash this year, and that's what's concerned you. Yeah. Yep. Yeah. Yeah. So let let me go through three main points with you because expectations are really important because you need to know how your super is gonna behave. And if it behaves outside of what you expect, then there's a problem. K? So first thing I I wanna just sort of touch on is you moved from, like, a a balanced funds with that Australian super up into a high growth fund that we've built for you. So you've gone from a risk level of three out of five up to five out of five to get that extra growth. Right? That's kind of point number one. One thing that's kind of reassuring to see is that because the market's kind of dropped three to 5% in the last month, which is decently quick, that that can be quite sharp compared to what normally happens in a month on the stock market. I was looking in a, like, a side by side. And your high growth fund, you're expecting it to be more volatile because it's more aggressive. You've got more shares. You've got more property. You've got more gold. Does that sort of make sense? Now side by side, though, the Australian super option that you're in, that's kind of dropped 3% in the last month, and your high growth funds dropped, like, 3.5%. So actually pretty similar levels of risk in this last little period, which is pretty cool to see because normally in high growth, I would have expected it to be down four or five. Yeah. Yep. So there's actually four points I wanna touch on then. The second one is when we build a portfolio for you, there's about seven or eight options in there, and they give you different exposures, different areas. Australian shares, international gold property, different sectors, and so on. If we ever get to a point where any one of those options is not doing what it should, we tend to replace it within a year or two. An example of that was there was this spend a long fund that a lot of clients were in because they were, like, the top performing fund manager for five, ten years. All the Australian share managers doing pretty similar to the Australian market, some of them a bit higher, some of them a bit lower. But when you notice one fund manager shoot off in the opposite direction that everyone else is doing and the opposite direction of the pack and the market, that's a red flag to say, hey. That's not doing what it should do, and we replace that for the clients. Now to two different degrees, We watch if the fund's behaving the way it should. And if there's a major issue, we flag it. We get on top of it. We don't day trade people super and go, oh my god. I reckon the stock market is about to crash further, so we're gonna pull all your money out to cash. And then a month later, I'll put it back in because no one can time the market when it's gonna go up, when it's gonna actually go down. Even though we can all see the writing on the wall, timing it is practically impossible. We are watching it. We do review it regularly. That's why when you come on board, we like to have that three monthly catch up to start with just to say, hey. How's everything going? There's nothing to worry about. There is something to worry about. We can talk about it. And then when we do annual reviews, we may update your portfolio, change an option, change five, change eight, depends on what you need. So, yes, it's behaving kind of the way I would want it to do. That's number one. And I look back at the last sort of twelve months, three years, it's returned ten percent the last twelve months even with the market going down a bit. So that's above that 10% you're aiming for for your high growth risk profile, and it's something like 18% the last three years, which is well above expectations. So that's good. The problem that you're gonna face is that in between now and age 67, let's call it fourteen years to grow your super and protect it, you're probably gonna go through I don't wanna use too much jargon, but you're gonna go through two market cycles, which are on average about seven years, where the stock market goes up and then it crashes and it goes up and then it crashes. So your portfolio, what it's supposed to do is if the stock market dips and your contributions are going in, it can buy all those shares and property for a cheaper price. Like, you haven't lost it unless you sell it. And then when the market goes up for five years straight, all of that surges up and you get those really high returns, fifteen, twenty, 30%, and it will average out over seven years. So that's actually the plan for your super for the next fourteen years is to ride through two cycles, not three, four, or five. Two cycles. The second yes. That's why we say the average is 10% because some years you're up 50, some years you're down 30. That's once every seven years it actually crashes pretty heavily, and we just use that as a buying opportunity. Seven years of growth, and then for that last cycle, we're gonna slowly reduce your risk level down for the last seven years. So instead of 90% shares in property, we'll trim you down to eighty, seventy, sixty, fifty, forty, and there you are, eight sixty seven. It's nice and safe and conservative. You've got your 500,000, your 800,000, whatever it is, and we can set you up into a pension account. You can live off. Does that sort of make sense? Now being realistic, because I don't wanna give you unrealistic expectations, is what could very well happen. Now I'll give you the most extreme case. Let's say COVID happens again, stock market just completely plummets, and then it goes back up for five years. Your 02/20 could go to one sixty and then be up to three fifty five years later. I see that happening all the time pretty regularly, and it gets people to where they need to go. So part of those reviews that we do is we go, okay. This is great. Looks great on paper. As you go through this, if this happens and you're not comfortable with it, we may need to change the way it's invested. Maybe trim down the risk a little bit, put a bit more of contributions in, or even just change the style of the investments. Maybe we don't use these low fee ETFs. Maybe we pay a little bit higher investment fees for something that's a bit more actively managed. Like, we we kind of tailor it regularly depending on how you change and how the markets change. Yep. But what I want to say is that kind of expected after Christmas all of this to kind of happen, and we look at it in two different ways. We go, okay. Every two or three years, there's something called a correction where the markets go down five to 15%. Lovely. Buying opportunity, buy the dip, buy low to sell high. Every seven years, eight years, there's a crash. You've been through them before. It ranges from 20 to 50%, and that's a global financial crisis, a GFC, something like that. The aim for yours is, let's say the market crash is 40, but yours is only down 32, and you get to buy everything nice and cheap, and then it surges up 50% when the market goes up 40, you're gonna be ahead after that seven years. K? Now I don't wanna sit there and say, hey. We're gonna charge you a fee. We're not gonna do anything, and you just have to watch it go up and down like crazy. Or I just wanna give you those expectations of this is kind of what we want to happen to get you to that retirement goal. K? Now I take it pretty seriously because, obviously, my parents are invested in super. Look after those guys, Grandparents, aunts, uncles, friends, everybody like that. And this period in your fifties and sixties is the serious point because you got $30 in super and you're 33 years old. It goes up and down 10%. It goes up and down $3. But for you, a 10% up or down is 22,000, 50 thousand. It's a it's a lot bigger in a dollar value, but all the returns are percentage based. I'm definitely hoping so because we want you to go into this and be like, look. We've charged you to set all this up, and we've put you into this, which we think suits you. And if we've done a poor job and put you in something that does not suit you, then I wanna fix that. But if you're like, look. This makes sense. I can kind of go through this a little bit. That's fine. If there's any major issues, we will make changes with you. And if it gets too bad, we'll do what we need to do for you as well. Cool. K. Now I would probably recommend don't stare at your super on a daily basis this year because there are wars breaking out and oil crises, and it's looking crazy. And what most people do is, like, they ignore their super for, like, ten, twenty years, and it's just going up and down in the background. They never even notice. And then they jump into something. You've paid a couple of grand for it. Let me have a watch of it, and it's just going up and down. They're just freaking out. Like, don't stress yourself out because our job is to watch it. Definitely check it. Definitely log in. Maybe monthly, quarterly, that kind of thing. We'll send you some quarterly reports and everything. But if every time the news pops up and Trump says something, the stock market dips and your super dips, you don't need to be tying that in to your life when you've got things to worry about with work and other things to focus on. Now that's not to say that I I don't particularly enjoy watching people super go down because, obviously, we're linked to our clients. The better you do, the better we do, and we want everyone to be going up and hitting their goals so we can have good conversations and say, look, we knocked the lights out. You're doing fantastic. You're on the app. Everything's good. But at the same time, we're trying to avoid doing anything to, like, knee jerk reaction where the news pops up and we start chopping and changing things all the time. Yeah, mate. Well see, my first introduction to it, right, was I was in school when September 11 happened, and then I graduated high school when the GFC happened. And I had just gotten into an interest into personal finance and reading books and looking at the stock market when the whole world wiped out 60% of the stock market. People lost their homes and jobs and all this kind of thing. And then since then, there's just always been something happening every three to five years. There's a crisis in China. There's a crisis in Greece with the banking system. There's COVID. Now all of a sudden, there's wars breaking out. Like, this this thing just keeps repeating itself. We're just trying to make sure that you're buying, like, the good investments that you can compared to the ones next year. If you can drop a little bit less than the guy next year, if you can grow a little bit quicker than the guy next year and get to that goal, that's great. But we can't, like, control the weather. You know what I mean? We've put you in a sports car. It's gonna rain. It's gonna storm. You're gonna slip off the road, and then when you get back on the road, you're going 200 k's an hour again. I love my analogies. The the team hates it. I sit there and draw the whiteboard up, and I'm drawing trees and houses. And, you know, my favorite one? At least my favorite one is if you have a house that's worth $500,000 and then you found out that it's now worth $400,000, would you rush off to go and sell it and lose a $100? Or do you go, I'll get an investment property or two or three, and then when it goes up, I've got four houses that are all up to $800? That's what we'd like to do. But once you've gotten closer to that point that you need to protect what you've got, we're gonna get out of the properties and the houses and the stocks and go into some safer assets, bit more term deposits, bonds, fixed interest, and get a little bit of growth to fund your retirement, but protect it more so. Cool. Awesome. I I really appreciate hearing that. And at any point, if there's anything concerning you wanna call up, go for it. If we have a discussion and there's anything major that we're flagging as an issue, we will do some changes. But don't hesitate to talk to us because that's what we're here for. Yeah. Actually, that's kind of what drove me to OQUE. Two things drew me here. I've been doing this for twelve years now, and client first is something that everyone talks about in business, but these guys, there's a pretty big focus on actually talking to people like they're people, not just pretending like you're part of the CBA bank or a robot. And the other thing is Oatvue is pretty well, like, self licensed. We're not tied to recommending a bank's products because we're linked to CBA or NAB or Westpac. So we've got a lot of freedom in what we do for clients with restrictions and frameworks, of course. But these guys said, look. We need a senior adviser. Can you come in here? You can give any advice you like and just look after the clients. We've built this business. We've built these clients. Can you come in and look after them? And I said, yeah. Absolutely. I'll I'll spend a few years training advisers, about 50 of them, and then thought, oh, I kinda miss talking to people and giving advice. I wanna get back on the tools a little bit. No worries at all. That that warms the heart. And to be honest, mate, we don't see easy little fish. We we see you as just the same as anybody else, whether it's they've got $800, 50, or 200. At the end of the day, you're a person that we've charged to do a service for, and we treat everyone the same way. Cool. That's alright. Is there anything else I can help you with? Yeah? Yep. I will have a look at a couple of quick little things before I let you go. Yes. Another quarterly review in a few months' time. We do have your contributions coming in from Fruh Food International. So one of the good things is, again, they come in monthly, quarterly, and so on to buy these investments. We will send you out a little pack for our next catch up, and then, again, pretty deep dive when we do the annual review. Awesome, mate. You have a fantastic week. I will just send you a usual customer service message through to your phone. Anything else, mate, just give us a buzz back, but I've put down some file notes on your account so the team know. Awesome, man. You take care, and I'll talk to you soon. Thanks, Lee. 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Leith. It is Tommy here, senior adviser from Oakview Financial. How are you doing, mate? Living the dream so far. It's been a fantastic midweek.\n\nYour end? Always the way. Yeah. Mate, you gotta take it that way because otherwise, you might go stir crazy, but, you know, what's life without a little bit of drama? Well Uh-huh.\n\nAnd do people behave in a way that you think just defies common sense? Yeah, mate. My dad says the same thing, mate. I'm with you. I'm with you.\n\nMate, I had you booked in for a bit of a catch up around the super before I jump into anything as a client of Oakview Financial now. Just wanted to see if you're okay to go through just a quick security process with me. Cool. So identify myself. I'm a senior adviser registered with ASIC.\n\nMy number is 1273105. Are you okay for the calls to be recorded? Fantastic. And just for the security of your accounts, could I please confirm your date of birth and address, please, sir? Mhmm.\n\nPerfect. Thank you so much for that. And that is postcode 3377? K. Let me just perfect, mate.\n\nThank you so much for that. Now I've got a few things open. I'm just having a look at your Hub 24 super. I've had a look at the advice that you were given and implemented a couple of months ago. Do you wanna just tell me in your own words the the main thing that you wanted to talk about or get out of this phone call?\n\nYou would have seen quite a few circumstances. You would have seen global financial crisis in 2008, COVID nineties, you probably would have seen a few. Like, catch it up kind of thing. Yep. Yeah.\n\nYeah. Yeah. I'm with you. Yeah. I can imagine.\n\nI can imagine. And that's one of the things that I try and tell a lot of the younger clients that come on board in their thirties and forties saying, why you've got the time ahead of you, it's all well and good to take on a lot of risk and try and grow you super quickly so you can retire earlier. That last ten to fifteen year period is kind of a a crunch period. Right? Because you're trying to get the growth to get you to the final figure that you need, but at the same time, you're then trying to protect what you've built because you don't wanna be 66, lose half your super year before you retire because the stock market's crashed.\n\nSo it's this strange balancing act where you you tend to grow your super for, say, five to ten years depending on your risk level, and then you need to start protecting it gradually as you get closer to retirement. So, obviously, we've recommended for you to go into a high growth investment with a lot of passive ETFs, which is pretty rollercoaster y. I'm not gonna lie. And then, obviously, Christmas happens, the world starts going crazy again, stock market starts going up and down, and it could very well have a nice solid crash this year, and that's what's concerned you. Yeah.\n\nYep. Yeah. Yeah. So let let me go through three main points with you because expectations are really important because you need to know how your super is gonna behave. And if it behaves outside of what you expect, then there's a problem.\n\nK? So first thing I I wanna just sort of touch on is you moved from, like, a a balanced funds with that Australian super up into a high growth fund that we've built for you. So you've gone from a risk level of three out of five up to five out of five to get that extra growth. Right? That's kind of point number one.\n\nOne thing that's kind of reassuring to see is that because the market's kind of dropped three to 5% in the last month, which is decently quick, that that can be quite sharp compared to what normally happens in a month on the stock market. I was looking in a, like, a side by side. And your high growth fund, you're expecting it to be more volatile because it's more aggressive. You've got more shares. You've got more property.\n\nYou've got more gold. Does that sort of make sense? Now side by side, though, the Australian super option that you're in, that's kind of dropped 3% in the last month, and your high growth funds dropped, like, 3.5%. So actually pretty similar levels of risk in this last little period, which is pretty cool to see because normally in high growth, I would have expected it to be down four or five. Yeah.\n\nYep. So there's actually four points I wanna touch on then. The second one is when we build a portfolio for you, there's about seven or eight options in there, and they give you different exposures, different areas. Australian shares, international gold property, different sectors, and so on. If we ever get to a point where any one of those options is not doing what it should, we tend to replace it within a year or two.\n\nAn example of that was there was this spend a long fund that a lot of clients were in because they were, like, the top performing fund manager for five, ten years. All the Australian share managers doing pretty similar to the Australian market, some of them a bit higher, some of them a bit lower. But when you notice one fund manager shoot off in the opposite direction that everyone else is doing and the opposite direction of the pack and the market, that's a red flag to say, hey. That's not doing what it should do, and we replace that for the clients. Now to two different degrees, We watch if the fund's behaving the way it should.\n\nAnd if there's a major issue, we flag it. We get on top of it. We don't day trade people super and go, oh my god. I reckon the stock market is about to crash further, so we're gonna pull all your money out to cash. And then a month later, I'll put it back in because no one can time the market when it's gonna go up, when it's gonna actually go down.\n\nEven though we can all see the writing on the wall, timing it is practically impossible. We are watching it. We do review it regularly. That's why when you come on board, we like to have that three monthly catch up to start with just to say, hey. How's everything going?\n\nThere's nothing to worry about. There is something to worry about. We can talk about it. And then when we do annual reviews, we may update your portfolio, change an option, change five, change eight, depends on what you need. So, yes, it's behaving kind of the way I would want it to do.\n\nThat's number one. And I look back at the last sort of twelve months, three years, it's returned ten percent the last twelve months even with the market going down a bit. So that's above that 10% you're aiming for for your high growth risk profile, and it's something like 18% the last three years, which is well above expectations. So that's good. The problem that you're gonna face is that in between now and age 67, let's call it fourteen years to grow your super and protect it, you're probably gonna go through I don't wanna use too much jargon, but you're gonna go through two market cycles, which are on average about seven years, where the stock market goes up and then it crashes and it goes up and then it crashes.\n\nSo your portfolio, what it's supposed to do is if the stock market dips and your contributions are going in, it can buy all those shares and property for a cheaper price. Like, you haven't lost it unless you sell it. And then when the market goes up for five years straight, all of that surges up and you get those really high returns, fifteen, twenty, 30%, and it will average out over seven years. So that's actually the plan for your super for the next fourteen years is to ride through two cycles, not three, four, or five. Two cycles.\n\nThe second yes. That's why we say the average is 10% because some years you're up 50, some years you're down 30. That's once every seven years it actually crashes pretty heavily, and we just use that as a buying opportunity. Seven years of growth, and then for that last cycle, we're gonna slowly reduce your risk level down for the last seven years. So instead of 90% shares in property, we'll trim you down to eighty, seventy, sixty, fifty, forty, and there you are, eight sixty seven.\n\nIt's nice and safe and conservative. You've got your 500,000, your 800,000, whatever it is, and we can set you up into a pension account. You can live off. Does that sort of make sense? Now being realistic, because I don't wanna give you unrealistic expectations, is what could very well happen.\n\nNow I'll give you the most extreme case. Let's say COVID happens again, stock market just completely plummets, and then it goes back up for five years. Your 02/20 could go to one sixty and then be up to three fifty five years later. I see that happening all the time pretty regularly, and it gets people to where they need to go. So part of those reviews that we do is we go, okay.\n\nThis is great. Looks great on paper. As you go through this, if this happens and you're not comfortable with it, we may need to change the way it's invested. Maybe trim down the risk a little bit, put a bit more of contributions in, or even just change the style of the investments. Maybe we don't use these low fee ETFs.\n\nMaybe we pay a little bit higher investment fees for something that's a bit more actively managed. Like, we we kind of tailor it regularly depending on how you change and how the markets change. Yep. But what I want to say is that kind of expected after Christmas all of this to kind of happen, and we look at it in two different ways. We go, okay.\n\nEvery two or three years, there's something called a correction where the markets go down five to 15%. Lovely. Buying opportunity, buy the dip, buy low to sell high. Every seven years, eight years, there's a crash. You've been through them before.\n\nIt ranges from 20 to 50%, and that's a global financial crisis, a GFC, something like that. The aim for yours is, let's say the market crash is 40, but yours is only down 32, and you get to buy everything nice and cheap, and then it surges up 50% when the market goes up 40, you're gonna be ahead after that seven years. K? Now I don't wanna sit there and say, hey. We're gonna charge you a fee.\n\nWe're not gonna do anything, and you just have to watch it go up and down like crazy. Or I just wanna give you those expectations of this is kind of what we want to happen to get you to that retirement goal. K? Now I take it pretty seriously because, obviously, my parents are invested in super. Look after those guys, Grandparents, aunts, uncles, friends, everybody like that.\n\nAnd this period in your fifties and sixties is the serious point because you got $30 in super and you're 33 years old. It goes up and down 10%. It goes up and down $3. But for you, a 10% up or down is 22,000, 50 thousand. It's a it's a lot bigger in a dollar value, but all the returns are percentage based.\n\nI'm definitely hoping so because we want you to go into this and be like, look. We've charged you to set all this up, and we've put you into this, which we think suits you. And if we've done a poor job and put you in something that does not suit you, then I wanna fix that. But if you're like, look. This makes sense.\n\nI can kind of go through this a little bit. That's fine. If there's any major issues, we will make changes with you. And if it gets too bad, we'll do what we need to do for you as well. Cool.\n\nK. Now I would probably recommend don't stare at your super on a daily basis this year because there are wars breaking out and oil crises, and it's looking crazy. And what most people do is, like, they ignore their super for, like, ten, twenty years, and it's just going up and down in the background. They never even notice. And then they jump into something.\n\nYou've paid a couple of grand for it. Let me have a watch of it, and it's just going up and down. They're just freaking out. Like, don't stress yourself out because our job is to watch it. Definitely check it.\n\nDefinitely log in. Maybe monthly, quarterly, that kind of thing. We'll send you some quarterly reports and everything. But if every time the news pops up and Trump says something, the stock market dips and your super dips, you don't need to be tying that in to your life when you've got things to worry about with work and other things to focus on. Now that's not to say that I I don't particularly enjoy watching people super go down because, obviously, we're linked to our clients.\n\nThe better you do, the better we do, and we want everyone to be going up and hitting their goals so we can have good conversations and say, look, we knocked the lights out. You're doing fantastic. You're on the app. Everything's good. But at the same time, we're trying to avoid doing anything to, like, knee jerk reaction where the news pops up and we start chopping and changing things all the time.\n\nYeah, mate. Well see, my first introduction to it, right, was I was in school when September 11 happened, and then I graduated high school when the GFC happened. And I had just gotten into an interest into personal finance and reading books and looking at the stock market when the whole world wiped out 60% of the stock market. People lost their homes and jobs and all this kind of thing. And then since then, there's just always been something happening every three to five years.\n\nThere's a crisis in China. There's a crisis in Greece with the banking system. There's COVID. Now all of a sudden, there's wars breaking out. Like, this this thing just keeps repeating itself.\n\nWe're just trying to make sure that you're buying, like, the good investments that you can compared to the ones next year. If you can drop a little bit less than the guy next year, if you can grow a little bit quicker than the guy next year and get to that goal, that's great. But we can't, like, control the weather. You know what I mean? We've put you in a sports car.\n\nIt's gonna rain. It's gonna storm. You're gonna slip off the road, and then when you get back on the road, you're going 200 k's an hour again. I love my analogies. The the team hates it.\n\nI sit there and draw the whiteboard up, and I'm drawing trees and houses. And, you know, my favorite one? At least my favorite one is if you have a house that's worth $500,000 and then you found out that it's now worth $400,000, would you rush off to go and sell it and lose a $100? Or do you go, I'll get an investment property or two or three, and then when it goes up, I've got four houses that are all up to $800? That's what we'd like to do.\n\nBut once you've gotten closer to that point that you need to protect what you've got, we're gonna get out of the properties and the houses and the stocks and go into some safer assets, bit more term deposits, bonds, fixed interest, and get a little bit of growth to fund your retirement, but protect it more so. Cool. Awesome. I I really appreciate hearing that. And at any point, if there's anything concerning you wanna call up, go for it.\n\nIf we have a discussion and there's anything major that we're flagging as an issue, we will do some changes. But don't hesitate to talk to us because that's what we're here for. Yeah. Actually, that's kind of what drove me to OQUE. Two things drew me here.\n\nI've been doing this for twelve years now, and client first is something that everyone talks about in business, but these guys, there's a pretty big focus on actually talking to people like they're people, not just pretending like you're part of the CBA bank or a robot. And the other thing is Oatvue is pretty well, like, self licensed. We're not tied to recommending a bank's products because we're linked to CBA or NAB or Westpac. So we've got a lot of freedom in what we do for clients with restrictions and frameworks, of course. But these guys said, look.\n\nWe need a senior adviser. Can you come in here? You can give any advice you like and just look after the clients. We've built this business. We've built these clients.\n\nCan you come in and look after them? And I said, yeah. Absolutely. I'll I'll spend a few years training advisers, about 50 of them, and then thought, oh, I kinda miss talking to people and giving advice. I wanna get back on the tools a little bit.\n\nNo worries at all. That that warms the heart. And to be honest, mate, we don't see easy little fish. We we see you as just the same as anybody else, whether it's they've got $800, 50, or 200. At the end of the day, you're a person that we've charged to do a service for, and we treat everyone the same way.\n\nCool. That's alright. Is there anything else I can help you with? Yeah? Yep.\n\nI will have a look at a couple of quick little things before I let you go. Yes. Another quarterly review in a few months' time. We do have your contributions coming in from Fruh Food International. So one of the good things is, again, they come in monthly, quarterly, and so on to buy these investments.\n\nWe will send you out a little pack for our next catch up, and then, again, pretty deep dive when we do the annual review. Awesome, mate. You have a fantastic week. I will just send you a usual customer service message through to your phone. Anything else, mate, just give us a buzz back, but I've put down some file notes on your account so the team know.\n\nAwesome, man. You take care, and I'll talk to you soon. Thanks, Lee. Bye.","paragraphs":[{"sentences":[{"text":"Hey, Leith.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.06887691840529442},{"text":"It is Tommy here, senior adviser from Oakview Financial.","start":3.76,"end":6.48,"sentiment":"neutral","sentiment_score":0.10736659831470913},{"text":"How are you doing, mate?","start":6.48,"end":7.54,"sentiment":"neutral","sentiment_score":0.1613651394844055},{"text":"Living the dream so far.","start":9.599999,"end":10.8,"sentiment":"positive","sentiment_score":0.5577904582023621},{"text":"It's been a fantastic midweek.","start":10.8,"end":12.48,"sentiment":"positive","sentiment_score":0.7333789229393005}],"sentiment":"neutral","sentiment_score":0.32179714710666585,"num_words":26,"start":3.04,"end":12.48},{"sentences":[{"text":"Your end?","start":12.48,"end":13.219999,"sentiment":"positive","sentiment_score":0.4076731950044632},{"text":"Always the way.","start":22.025002,"end":23.005001,"sentiment":"neutral","sentiment_score":0.017741114522020023},{"text":"Yeah.","start":27.88,"end":28.38,"sentiment":"neutral","sentiment_score":-0.01410626620054245},{"text":"Mate, you gotta take it that way because otherwise, you might go stir crazy, but, you know, what's life without a little bit of drama?","start":28.439999,"end":34.379997,"sentiment":"neutral","sentiment_score":-0.08029572501778602},{"text":"Well Uh-huh.","start":41.094997,"end":46.635,"sentiment":"neutral","sentiment_score":-0.11738806590437889}],"sentiment":"neutral","sentiment_score":-0.04205169060239286,"num_words":33,"start":12.48,"end":46.635},{"sentences":[{"text":"And do people behave in a way that you think just defies common sense?","start":55.269997,"end":59.129997,"sentiment":"neutral","sentiment_score":-0.26017946537051884},{"text":"Yeah, mate.","start":75.25,"end":75.89,"sentiment":"neutral","sentiment_score":0.02819915022701025},{"text":"My dad says the same thing, mate.","start":75.89,"end":77.329994,"sentiment":"neutral","sentiment_score":0.016803238274795667},{"text":"I'm with you.","start":77.329994,"end":77.89,"sentiment":"neutral","sentiment_score":0.07243178288141887},{"text":"I'm with you.","start":77.89,"end":78.71,"sentiment":"neutral","sentiment_score":0.07366332411766052}],"sentiment":"neutral","sentiment_score":-0.10448986985560121,"num_words":29,"start":55.269997,"end":78.71},{"sentences":[{"text":"Mate, I had you booked in for a bit of a catch up around the super before I jump into anything as a client of Oakview Financial now.","start":79.409996,"end":88.31,"sentiment":"neutral","sentiment_score":0.02780583846781935},{"text":"Just wanted to see if you're okay to go through just a quick security process with me.","start":88.445,"end":92.145,"sentiment":"neutral","sentiment_score":0.016703518929288667},{"text":"Cool.","start":93.325,"end":93.725,"sentiment":"neutral","sentiment_score":0.11994938552379608},{"text":"So identify myself.","start":93.725,"end":95.325,"sentiment":"neutral","sentiment_score":0.05699256559213003},{"text":"I'm a senior adviser registered with ASIC.","start":95.325,"end":98.045,"sentiment":"neutral","sentiment_score":0.04747172977243151}],"sentiment":"neutral","sentiment_score":0.030102723028643856,"num_words":56,"start":79.409996,"end":98.045},{"sentences":[{"text":"My number is 1273105.","start":98.045,"end":101.085,"sentiment":"neutral","sentiment_score":0.04489027988165617},{"text":"Are you okay for the calls to be recorded?","start":101.085,"end":103.104996,"sentiment":"neutral","sentiment_score":0.04086205342577563},{"text":"Fantastic.","start":104.81,"end":105.31,"sentiment":"neutral","sentiment_score":0.32355815172195435},{"text":"And just for the security of your accounts, could I please confirm your date of birth and address, please, sir?","start":105.53,"end":110.91,"sentiment":"neutral","sentiment_score":0.10957088395953178},{"text":"Mhmm.","start":114.17,"end":114.67,"sentiment":"neutral","sentiment_score":0.01311570405960083}],"sentiment":"neutral","sentiment_score":0.08786888958087989,"num_words":35,"start":98.045,"end":114.67},{"sentences":[{"text":"Perfect.","start":119.225,"end":119.725,"sentiment":"positive","sentiment_score":0.343135803937912},{"text":"Thank you so much for that.","start":119.945,"end":121.485,"sentiment":"positive","sentiment_score":0.4559626877307892},{"text":"And that is postcode 3377?","start":121.785,"end":125.645004,"sentiment":"neutral","sentiment_score":0.16366564631462097},{"text":"K.","start":127.72,"end":128.22,"sentiment":"neutral","sentiment_score":0.10700029879808426},{"text":"Let me just perfect, mate.","start":128.6,"end":133.96,"sentiment":"neutral","sentiment_score":0.27179339826107024}],"sentiment":"neutral","sentiment_score":0.2979559695555104,"num_words":18,"start":119.225,"end":133.96},{"sentences":[{"text":"Thank you so much for that.","start":133.96,"end":135.42,"sentiment":"positive","sentiment_score":0.5205307230353355},{"text":"Now I've got a few things open.","start":135.56,"end":137.08,"sentiment":"neutral","sentiment_score":0.09675499158246177},{"text":"I'm just having a look at your Hub 24 super.","start":137.08,"end":140.04,"sentiment":"neutral","sentiment_score":0.20674653798341752},{"text":"I've had a look at the advice that you were given and implemented a couple of months ago.","start":140.04,"end":144.595,"sentiment":"neutral","sentiment_score":0.19103527896934086},{"text":"Do you wanna just tell me in your own words the the main thing that you wanted to talk about or get out of this phone call?","start":145.135,"end":150.515,"sentiment":"neutral","sentiment_score":0.10888909962442186}],"sentiment":"neutral","sentiment_score":0.1800966966239845,"num_words":68,"start":133.96,"end":150.515},{"sentences":[{"text":"You would have seen quite a few circumstances.","start":175.245,"end":178.065,"sentiment":"neutral","sentiment_score":-0.28086863085627556},{"text":"You would have seen global financial crisis in 2008, COVID nineties, you probably would have seen a few.","start":178.44499,"end":185.35,"sentiment":"neutral","sentiment_score":-0.2265625140733189},{"text":"Like, catch it up kind of thing.","start":209.76,"end":211.54,"sentiment":"neutral","sentiment_score":-0.01205224756683622},{"text":"Yep.","start":219.855,"end":220.355,"sentiment":"neutral","sentiment_score":0.0480676107108593},{"text":"Yeah.","start":224.97499,"end":225.47499,"sentiment":"neutral","sentiment_score":-0.031664129346609116}],"sentiment":"neutral","sentiment_score":-0.18265818719352994,"num_words":35,"start":175.245,"end":225.47499},{"sentences":[{"text":"Yeah.","start":226.095,"end":226.33499,"sentiment":"neutral","sentiment_score":-0.032835453748703},{"text":"Yeah.","start":226.33499,"end":226.575,"sentiment":"neutral","sentiment_score":-0.06508443504571915},{"text":"I'm with you.","start":226.575,"end":227.47499,"sentiment":"neutral","sentiment_score":-0.11543782552083333},{"text":"Yeah.","start":234.59,"end":234.91,"sentiment":"neutral","sentiment_score":0.038819096982479095},{"text":"I can imagine.","start":234.91,"end":235.79,"sentiment":"neutral","sentiment_score":0.09152535845836003}],"sentiment":"neutral","sentiment_score":-0.014537576999929216,"num_words":9,"start":226.095,"end":235.79},{"sentences":[{"text":"I can imagine.","start":235.79,"end":236.51,"sentiment":"neutral","sentiment_score":0.14537426829338074},{"text":"And that's one of the things that I try and tell a lot of the younger clients that come on board in their thirties and forties saying, why you've got the time ahead of you, it's all well and good to take on a lot of risk and try and grow you super quickly so you can retire earlier.","start":236.51,"end":250.555,"sentiment":"neutral","sentiment_score":0.24274673136109012},{"text":"That last ten to fifteen year period is kind of a a crunch period.","start":250.935,"end":255.415,"sentiment":"negative","sentiment_score":-0.5148150473833084},{"text":"Right?","start":255.415,"end":255.655,"sentiment":"neutral","sentiment_score":-0.11732105910778046},{"text":"Because you're trying to get the growth to get you to the final figure that you need, but at the same time, you're then trying to protect what you've built because you don't wanna be 66, lose half your super year before you retire because the stock market's crashed.","start":255.655,"end":268.86002,"sentiment":"neutral","sentiment_score":-0.010392613328841269}],"sentiment":"neutral","sentiment_score":0.05495404904442174,"num_words":126,"start":235.79,"end":268.86002},{"sentences":[{"text":"So it's this strange balancing act where you you tend to grow your super for, say, five to ten years depending on your risk level, and then you need to start protecting it gradually as you get closer to retirement.","start":269.16498,"end":281.425,"sentiment":"neutral","sentiment_score":0.09572271956130862},{"text":"So, obviously, we've recommended for you to go into a high growth investment with a lot of passive ETFs, which is pretty rollercoaster y.","start":281.62997,"end":290.50998,"sentiment":"neutral","sentiment_score":0.23334277980029583},{"text":"I'm not gonna lie.","start":290.50998,"end":291.56998,"sentiment":"neutral","sentiment_score":-0.11761198751628399},{"text":"And then, obviously, Christmas happens, the world starts going crazy again, stock market starts going up and down, and it could very well have a nice solid crash this year, and that's what's concerned you.","start":291.71,"end":303.76498,"sentiment":"negative","sentiment_score":-0.39986670868737356},{"text":"Yeah.","start":306.22498,"end":306.72498,"sentiment":"neutral","sentiment_score":-0.0965157300233841}],"sentiment":"neutral","sentiment_score":-0.04935733640853029,"num_words":104,"start":269.16498,"end":306.72498},{"sentences":[{"text":"Yep.","start":320.815,"end":321.315,"sentiment":"neutral","sentiment_score":-0.11923174560070038},{"text":"Yeah.","start":330.095,"end":330.595,"sentiment":"neutral","sentiment_score":-0.10751906037330627},{"text":"Yeah.","start":361.74,"end":362.22,"sentiment":"neutral","sentiment_score":-0.0030850544571876526},{"text":"So let let me go through three main points with you because expectations are really important because you need to know how your super is gonna behave.","start":362.22,"end":370.88,"sentiment":"neutral","sentiment_score":-0.05773535191460892},{"text":"And if it behaves outside of what you expect, then there's a problem.","start":371.07498,"end":375.01498,"sentiment":"negative","sentiment_score":-0.42800847498270184}],"sentiment":"neutral","sentiment_score":-0.17099536132327345,"num_words":43,"start":320.815,"end":375.01498},{"sentences":[{"text":"K?","start":376.35498,"end":376.755,"sentiment":"neutral","sentiment_score":-0.09881807118654252},{"text":"So first thing I I wanna just sort of touch on is you moved from, like, a a balanced funds with that Australian super up into a high growth fund that we've built for you.","start":376.755,"end":386.97,"sentiment":"neutral","sentiment_score":0.18231273272207804},{"text":"So you've gone from a risk level of three out of five up to five out of five to get that extra growth.","start":387.85,"end":392.09,"sentiment":"neutral","sentiment_score":0.01594522530617921},{"text":"Right?","start":392.09,"end":392.33,"sentiment":"neutral","sentiment_score":0.10960130393505096},{"text":"That's kind of point number one.","start":392.33,"end":394.19,"sentiment":"neutral","sentiment_score":0.1482449546456337}],"sentiment":"neutral","sentiment_score":0.11587786042329037,"num_words":66,"start":376.35498,"end":394.19},{"sentences":[{"text":"One thing that's kind of reassuring to see is that because the market's kind of dropped three to 5% in the last month, which is decently quick, that that can be quite sharp compared to what normally happens in a month on the stock market.","start":395.21,"end":408.545,"sentiment":"neutral","sentiment_score":0.06907736476924685},{"text":"I was looking in a, like, a side by side.","start":409.165,"end":411.825,"sentiment":"neutral","sentiment_score":-0.008113905880600214},{"text":"And your high growth fund, you're expecting it to be more volatile because it's more aggressive.","start":412.045,"end":416.14502,"sentiment":"neutral","sentiment_score":-0.019931245129555464},{"text":"You've got more shares.","start":416.25,"end":416.97,"sentiment":"neutral","sentiment_score":0.09034850262105465},{"text":"You've got more property.","start":416.97,"end":417.85,"sentiment":"neutral","sentiment_score":0.07918220944702625}],"sentiment":"neutral","sentiment_score":0.0428679149621461,"num_words":79,"start":395.21,"end":417.85},{"sentences":[{"text":"You've got more gold.","start":417.85,"end":418.81,"sentiment":"neutral","sentiment_score":0.05774066783487797},{"text":"Does that sort of make sense?","start":418.81,"end":420.35,"sentiment":"neutral","sentiment_score":0.09771813762684663},{"text":"Now side by side, though, the Australian super option that you're in, that's kind of dropped 3% in the last month, and your high growth funds dropped, like, 3.5%.","start":421.53,"end":431.15,"sentiment":"neutral","sentiment_score":-0.19929950658617349},{"text":"So actually pretty similar levels of risk in this last little period, which is pretty cool to see because normally in high growth, I would have expected it to be down four or five.","start":431.41498,"end":441.595,"sentiment":"neutral","sentiment_score":-0.24183961004018784},{"text":"Yeah.","start":452.55,"end":453.05,"sentiment":"neutral","sentiment_score":-0.02465936914086342}],"sentiment":"neutral","sentiment_score":-0.17850838249196876,"num_words":74,"start":417.85,"end":453.05},{"sentences":[{"text":"Yep.","start":458.32498,"end":458.82498,"sentiment":"neutral","sentiment_score":0.12338124960660934},{"text":"So there's actually four points I wanna touch on then.","start":459.04498,"end":462.405,"sentiment":"neutral","sentiment_score":0.10786309242248535},{"text":"The second one is when we build a portfolio for you, there's about seven or eight options in there, and they give you different exposures, different areas.","start":462.405,"end":469.29,"sentiment":"neutral","sentiment_score":0.10310855507850647},{"text":"Australian shares, international gold property, different sectors, and so on.","start":469.45,"end":472.99002,"sentiment":"neutral","sentiment_score":0.06761643849313259},{"text":"If we ever get to a point where any one of those options is not doing what it should, we tend to replace it within a year or two.","start":473.37,"end":482.11002,"sentiment":"neutral","sentiment_score":-0.17087807120948}],"sentiment":"neutral","sentiment_score":-0.0038098249245773655,"num_words":77,"start":458.32498,"end":482.11002},{"sentences":[{"text":"An example of that was there was this spend a long fund that a lot of clients were in because they were, like, the top performing fund manager for five, ten years.","start":483.025,"end":490.965,"sentiment":"neutral","sentiment_score":0.04430808391771279},{"text":"All the Australian share managers doing pretty similar to the Australian market, some of them a bit higher, some of them a bit lower.","start":491.985,"end":498.55,"sentiment":"neutral","sentiment_score":0.004770403262227774},{"text":"But when you notice one fund manager shoot off in the opposite direction that everyone else is doing and the opposite direction of the pack and the market, that's a red flag to say, hey.","start":498.55,"end":508.22998,"sentiment":"neutral","sentiment_score":-0.22123136318155698},{"text":"That's not doing what it should do, and we replace that for the clients.","start":508.22998,"end":512.005,"sentiment":"neutral","sentiment_score":-0.22250167280435562},{"text":"Now to two different degrees, We watch if the fund's behaving the way it should.","start":520.14496,"end":526.29,"sentiment":"neutral","sentiment_score":0.017554770138425133}],"sentiment":"neutral","sentiment_score":-0.07552042679065683,"num_words":120,"start":483.025,"end":526.29},{"sentences":[{"text":"And if there's a major issue, we flag it.","start":526.99,"end":528.91,"sentiment":"neutral","sentiment_score":-0.06805356716116269},{"text":"We get on top of it.","start":528.91,"end":530.21,"sentiment":"neutral","sentiment_score":-0.038951716075340904},{"text":"We don't day trade people super and go, oh my god.","start":530.67,"end":533.63,"sentiment":"neutral","sentiment_score":-0.17450053109364075},{"text":"I reckon the stock market is about to crash further, so we're gonna pull all your money out to cash.","start":533.63,"end":538.005,"sentiment":"neutral","sentiment_score":-0.2818435214459896},{"text":"And then a month later, I'll put it back in because no one can time the market when it's gonna go up, when it's gonna actually go down.","start":538.005,"end":544.485,"sentiment":"neutral","sentiment_score":-0.13059801767979348}],"sentiment":"neutral","sentiment_score":-0.16296369144441308,"num_words":74,"start":526.99,"end":544.485},{"sentences":[{"text":"Even though we can all see the writing on the wall, timing it is practically impossible.","start":544.485,"end":549.545,"sentiment":"neutral","sentiment_score":-0.16383816674351692},{"text":"We are watching it.","start":551.22003,"end":552.10004,"sentiment":"neutral","sentiment_score":0.09259332530200481},{"text":"We do review it regularly.","start":552.10004,"end":553.48004,"sentiment":"neutral","sentiment_score":0.19967945516109467},{"text":"That's why when you come on board, we like to have that three monthly catch up to start with just to say, hey.","start":553.86005,"end":559.7,"sentiment":"neutral","sentiment_score":0.25470146925553033},{"text":"How's everything going?","start":559.7,"end":560.9,"sentiment":"neutral","sentiment_score":0.24456971883773804}],"sentiment":"neutral","sentiment_score":0.10469025212760065,"num_words":51,"start":544.485,"end":560.9},{"sentences":[{"text":"There's nothing to worry about.","start":560.9,"end":562.18,"sentiment":"neutral","sentiment_score":0.22320429384708404},{"text":"There is something to worry about.","start":562.18,"end":563.38,"sentiment":"neutral","sentiment_score":0.19001441448926926},{"text":"We can talk about it.","start":563.38,"end":564.645,"sentiment":"neutral","sentiment_score":0.18000492751598357},{"text":"And then when we do annual reviews, we may update your portfolio, change an option, change five, change eight, depends on what you need.","start":564.645,"end":571.625,"sentiment":"neutral","sentiment_score":0.08443904606004556},{"text":"So, yes, it's behaving kind of the way I would want it to do.","start":573.60504,"end":578.42004,"sentiment":"neutral","sentiment_score":0.284982653600829}],"sentiment":"neutral","sentiment_score":0.16985975647414173,"num_words":54,"start":560.9,"end":578.42004},{"sentences":[{"text":"That's number one.","start":578.88,"end":579.68,"sentiment":"neutral","sentiment_score":0.27247949441274005},{"text":"And I look back at the last sort of twelve months, three years, it's returned ten percent the last twelve months even with the market going down a bit.","start":579.68,"end":587.38,"sentiment":"positive","sentiment_score":0.33884459502738096},{"text":"So that's above that 10% you're aiming for for your high growth risk profile, and it's something like 18% the last three years, which is well above expectations.","start":587.44,"end":596.115,"sentiment":"positive","sentiment_score":0.522343539765903},{"text":"So that's good.","start":597.295,"end":598.27496,"sentiment":"positive","sentiment_score":0.5415629148483276},{"text":"The problem that you're gonna face is that in between now and age 67, let's call it fourteen years to grow your super and protect it, you're probably gonna go through I don't wanna use too much jargon, but you're gonna go through two market cycles, which are on average about seven years, where the stock market goes up and then it crashes and it goes up and then it crashes.","start":598.65497,"end":618.37,"sentiment":"neutral","sentiment_score":-0.10977711229467056}],"sentiment":"neutral","sentiment_score":0.1425377957022457,"num_words":134,"start":578.88,"end":618.37},{"sentences":[{"text":"So your portfolio, what it's supposed to do is if the stock market dips and your contributions are going in, it can buy all those shares and property for a cheaper price.","start":618.99,"end":630.175,"sentiment":"neutral","sentiment_score":0.01833367586368695},{"text":"Like, you haven't lost it unless you sell it.","start":630.175,"end":632.79,"sentiment":"neutral","sentiment_score":-0.08829494669205612},{"text":"And then when the market goes up for five years straight, all of that surges up and you get those really high returns, fifteen, twenty, 30%, and it will average out over seven years.","start":633.26996,"end":643.61,"sentiment":"neutral","sentiment_score":0.11069140572320013},{"text":"So that's actually the plan for your super for the next fourteen years is to ride through two cycles, not three, four, or five.","start":644.07,"end":653.47504,"sentiment":"neutral","sentiment_score":0.05168427821869651},{"text":"Two cycles.","start":653.47504,"end":654.215,"sentiment":"neutral","sentiment_score":-0.015928830485790968}],"sentiment":"neutral","sentiment_score":0.04716926651757838,"num_words":101,"start":618.99,"end":654.215},{"sentences":[{"text":"The second yes.","start":655.155,"end":658.135,"sentiment":"neutral","sentiment_score":0.007181236520409584},{"text":"That's why we say the average is 10% because some years you're up 50, some years you're down 30.","start":658.35504,"end":663.655,"sentiment":"neutral","sentiment_score":-0.060010623186826706},{"text":"That's once every seven years it actually crashes pretty heavily, and we just use that as a buying opportunity.","start":664.09,"end":669.23,"sentiment":"neutral","sentiment_score":-0.18369506299495697},{"text":"Seven years of growth, and then for that last cycle, we're gonna slowly reduce your risk level down for the last seven years.","start":670.33,"end":676.89,"sentiment":"neutral","sentiment_score":-0.016399825072806816},{"text":"So instead of 90% shares in property, we'll trim you down to eighty, seventy, sixty, fifty, forty, and there you are, eight sixty seven.","start":676.89,"end":685.41504,"sentiment":"neutral","sentiment_score":0.141594048589468}],"sentiment":"neutral","sentiment_score":-0.018043217482045293,"num_words":88,"start":655.155,"end":685.41504},{"sentences":[{"text":"It's nice and safe and conservative.","start":685.47504,"end":687.255,"sentiment":"positive","sentiment_score":0.6236712336540222},{"text":"You've got your 500,000, your 800,000, whatever it is, and we can set you up into a pension account.","start":687.555,"end":693.655,"sentiment":"positive","sentiment_score":0.33978819847106934},{"text":"You can live off.","start":693.795,"end":694.935,"sentiment":"neutral","sentiment_score":0.15836923196911812},{"text":"Does that sort of make sense?","start":697.77997,"end":699.24,"sentiment":"neutral","sentiment_score":0.11094073578715324},{"text":"Now being realistic, because I don't wanna give you unrealistic expectations, is what could very well happen.","start":701.54,"end":707.86,"sentiment":"neutral","sentiment_score":-0.251386652536252}],"sentiment":"neutral","sentiment_score":0.13891445042995307,"num_words":52,"start":685.47504,"end":707.86},{"sentences":[{"text":"Now I'll give you the most extreme case.","start":707.86,"end":709.635,"sentiment":"neutral","sentiment_score":-0.31504711881279945},{"text":"Let's say COVID happens again, stock market just completely plummets, and then it goes back up for five years.","start":709.715,"end":715.895,"sentiment":"neutral","sentiment_score":-0.239250878754415},{"text":"Your 02/20 could go to one sixty and then be up to three fifty five years later.","start":716.91504,"end":723.94,"sentiment":"neutral","sentiment_score":-0.13874304075451457},{"text":"I see that happening all the time pretty regularly, and it gets people to where they need to go.","start":726.32,"end":732.34,"sentiment":"neutral","sentiment_score":0.17550520206752576},{"text":"So part of those reviews that we do is we go, okay.","start":734.16003,"end":736.80005,"sentiment":"neutral","sentiment_score":0.2002583146095276}],"sentiment":"neutral","sentiment_score":-0.04916102300087611,"num_words":75,"start":707.86,"end":736.80005},{"sentences":[{"text":"This is great.","start":736.80005,"end":737.535,"sentiment":"positive","sentiment_score":0.759550412495931},{"text":"Looks great on paper.","start":737.615,"end":738.83496,"sentiment":"positive","sentiment_score":0.6006329208612442},{"text":"As you go through this, if this happens and you're not comfortable with it, we may need to change the way it's invested.","start":739.13495,"end":745.71497,"sentiment":"neutral","sentiment_score":-0.1329529589932898},{"text":"Maybe trim down the risk a little bit, put a bit more of contributions in, or even just change the style of the investments.","start":746.175,"end":753.0,"sentiment":"neutral","sentiment_score":-0.02586329503295322},{"text":"Maybe we don't use these low fee ETFs.","start":753.0,"end":755.74,"sentiment":"neutral","sentiment_score":-0.0328206499107182}],"sentiment":"neutral","sentiment_score":0.01193517070984648,"num_words":62,"start":736.80005,"end":755.74},{"sentences":[{"text":"Maybe we pay a little bit higher investment fees for something that's a bit more actively managed.","start":756.12,"end":760.19995,"sentiment":"neutral","sentiment_score":-0.029574962442412096},{"text":"Like, we we kind of tailor it regularly depending on how you change and how the markets change.","start":760.19995,"end":766.975,"sentiment":"neutral","sentiment_score":-0.006233025445706314},{"text":"Yep.","start":771.435,"end":771.83496,"sentiment":"neutral","sentiment_score":0.04774501547217369},{"text":"But what I want to say is that kind of expected after Christmas all of this to kind of happen, and we look at it in two different ways.","start":771.83496,"end":779.33997,"sentiment":"neutral","sentiment_score":-0.03898208466326368},{"text":"We go, okay.","start":779.33997,"end":780.24,"sentiment":"neutral","sentiment_score":-0.038036650667587914}],"sentiment":"neutral","sentiment_score":-0.026644326636896414,"num_words":68,"start":756.12,"end":780.24},{"sentences":[{"text":"Every two or three years, there's something called a correction where the markets go down five to 15%.","start":780.86,"end":786.07996,"sentiment":"neutral","sentiment_score":-0.08447218789822525},{"text":"Lovely.","start":786.45996,"end":786.94,"sentiment":"positive","sentiment_score":0.3739721179008484},{"text":"Buying opportunity, buy the dip, buy low to sell high.","start":786.94,"end":790.16,"sentiment":"neutral","sentiment_score":0.15609824359416963},{"text":"Every seven years, eight years, there's a crash.","start":790.785,"end":793.125,"sentiment":"neutral","sentiment_score":-0.12916231621056795},{"text":"You've been through them before.","start":793.185,"end":794.64496,"sentiment":"neutral","sentiment_score":-0.16099455952644348}],"sentiment":"neutral","sentiment_score":-0.03390038465814931,"num_words":42,"start":780.86,"end":794.64496},{"sentences":[{"text":"It ranges from 20 to 50%, and that's a global financial crisis, a GFC, something like that.","start":794.865,"end":801.125,"sentiment":"neutral","sentiment_score":-0.1561307214638766},{"text":"The aim for yours is, let's say the market crash is 40, but yours is only down 32, and you get to buy everything nice and cheap, and then it surges up 50% when the market goes up 40, you're gonna be ahead after that seven years.","start":801.505,"end":815.32,"sentiment":"neutral","sentiment_score":-0.02943825793076069},{"text":"K?","start":818.35504,"end":818.85504,"sentiment":"neutral","sentiment_score":0.019072499126195908},{"text":"Now I don't wanna sit there and say, hey.","start":818.91504,"end":820.59503,"sentiment":"neutral","sentiment_score":-0.0565751562308934},{"text":"We're gonna charge you a fee.","start":820.59503,"end":821.635,"sentiment":"neutral","sentiment_score":-0.021709762513637543}],"sentiment":"neutral","sentiment_score":-0.05822728587081656,"num_words":80,"start":794.865,"end":821.635},{"sentences":[{"text":"We're not gonna do anything, and you just have to watch it go up and down like crazy.","start":821.635,"end":825.17505,"sentiment":"neutral","sentiment_score":-0.05529287591990498},{"text":"Or I just wanna give you those expectations of this is kind of what we want to happen to get you to that retirement goal.","start":825.315,"end":832.38,"sentiment":"neutral","sentiment_score":0.11900252550840378},{"text":"K?","start":840.38,"end":840.88,"sentiment":"neutral","sentiment_score":0.07671672105789185},{"text":"Now I take it pretty seriously because, obviously, my parents are invested in super.","start":840.94,"end":845.84,"sentiment":"neutral","sentiment_score":0.16037748754024506},{"text":"Look after those guys, Grandparents, aunts, uncles, friends, everybody like that.","start":845.9,"end":851.08496,"sentiment":"neutral","sentiment_score":0.16073376685380936}],"sentiment":"neutral","sentiment_score":0.08796904859659464,"num_words":69,"start":821.635,"end":851.08496},{"sentences":[{"text":"And this period in your fifties and sixties is the serious point because you got $30 in super and you're 33 years old.","start":851.08496,"end":857.64496,"sentiment":"neutral","sentiment_score":-0.02328699827194214},{"text":"It goes up and down 10%.","start":857.64496,"end":859.165,"sentiment":"neutral","sentiment_score":-0.11109513292709987},{"text":"It goes up and down $3.","start":859.165,"end":860.58,"sentiment":"neutral","sentiment_score":-0.06536056349674861},{"text":"But for you, a 10% up or down is 22,000, 50 thousand.","start":861.06,"end":866.82,"sentiment":"neutral","sentiment_score":0.042262679897248745},{"text":"It's a it's a lot bigger in a dollar value, but all the returns are percentage based.","start":866.82,"end":871.88,"sentiment":"neutral","sentiment_score":0.11312430001357023}],"sentiment":"neutral","sentiment_score":0.01306140812812373,"num_words":64,"start":851.08496,"end":871.88},{"sentences":[{"text":"I'm definitely hoping so because we want you to go into this and be like, look.","start":879.235,"end":883.39496,"sentiment":"positive","sentiment_score":0.5104723311960697},{"text":"We've charged you to set all this up, and we've put you into this, which we think suits you.","start":883.39496,"end":887.25494,"sentiment":"positive","sentiment_score":0.4557315613094129},{"text":"And if we've done a poor job and put you in something that does not suit you, then I wanna fix that.","start":887.51,"end":891.58997,"sentiment":"negative","sentiment_score":-0.3516751104457812},{"text":"But if you're like, look.","start":891.58997,"end":892.79,"sentiment":"neutral","sentiment_score":0.14702828824520112},{"text":"This makes sense.","start":892.79,"end":893.77,"sentiment":"neutral","sentiment_score":0.29373446106910706}],"sentiment":"neutral","sentiment_score":0.16470691320987849,"num_words":65,"start":879.235,"end":893.77},{"sentences":[{"text":"I can kind of go through this a little bit.","start":894.14996,"end":896.33,"sentiment":"neutral","sentiment_score":0.2964437916874886},{"text":"That's fine.","start":896.79,"end":897.61,"sentiment":"positive","sentiment_score":0.3923778384923935},{"text":"If there's any major issues, we will make changes with you.","start":897.83,"end":900.81,"sentiment":"neutral","sentiment_score":0.12600314955819736},{"text":"And if it gets too bad, we'll do what we need to do for you as well.","start":901.22504,"end":905.485,"sentiment":"neutral","sentiment_score":0.2510891302543528},{"text":"Cool.","start":908.34503,"end":908.84503,"sentiment":"positive","sentiment_score":0.5889533758163452}],"sentiment":"neutral","sentiment_score":0.2437243129058582,"num_words":41,"start":894.14996,"end":908.84503},{"sentences":[{"text":"K.","start":909.78503,"end":910.185,"sentiment":"neutral","sentiment_score":0.05797123163938522},{"text":"Now I would probably recommend don't stare at your super on a daily basis this year because there are wars breaking out and oil crises, and it's looking crazy.","start":910.185,"end":919.17,"sentiment":"neutral","sentiment_score":-0.17159462334780856},{"text":"And what most people do is, like, they ignore their super for, like, ten, twenty years, and it's just going up and down in the background.","start":919.17,"end":924.76996,"sentiment":"neutral","sentiment_score":-0.2370202145897425},{"text":"They never even notice.","start":924.76996,"end":925.99,"sentiment":"neutral","sentiment_score":-0.31117232888936996},{"text":"And then they jump into something.","start":926.735,"end":929.21497,"sentiment":"neutral","sentiment_score":-0.19506588329871496}],"sentiment":"neutral","sentiment_score":-0.20448307636560817,"num_words":66,"start":909.78503,"end":929.21497},{"sentences":[{"text":"You've paid a couple of grand for it.","start":929.21497,"end":931.055,"sentiment":"neutral","sentiment_score":-0.17325206380337477},{"text":"Let me have a watch of it, and it's just going up and down.","start":931.055,"end":933.855,"sentiment":"neutral","sentiment_score":-0.13453349391264574},{"text":"They're just freaking out.","start":933.855,"end":934.815,"sentiment":"negative","sentiment_score":-0.40218233317136765},{"text":"Like, don't stress yourself out because our job is to watch it.","start":934.815,"end":938.19,"sentiment":"neutral","sentiment_score":-0.04188787005841732},{"text":"Definitely check it.","start":940.11,"end":940.99,"sentiment":"neutral","sentiment_score":0.2891631821791331}],"sentiment":"neutral","sentiment_score":-0.11008243053788092,"num_words":41,"start":929.21497,"end":940.99},{"sentences":[{"text":"Definitely log in.","start":940.99,"end":941.79,"sentiment":"neutral","sentiment_score":0.17205860714117685},{"text":"Maybe monthly, quarterly, that kind of thing.","start":941.79,"end":943.63,"sentiment":"neutral","sentiment_score":0.17167522758245468},{"text":"We'll send you some quarterly reports and everything.","start":943.63,"end":945.89,"sentiment":"neutral","sentiment_score":0.19444768503308296},{"text":"But if every time the news pops up and Trump says something, the stock market dips and your super dips, you don't need to be tying that in to your life when you've got things to worry about with work and other things to focus on.","start":946.11,"end":958.385,"sentiment":"neutral","sentiment_score":0.015282712674335293},{"text":"Now that's not to say that I I don't particularly enjoy watching people super go down because, obviously, we're linked to our clients.","start":964.765,"end":971.92004,"sentiment":"neutral","sentiment_score":0.1141098290681839}],"sentiment":"neutral","sentiment_score":0.0758737327167015,"num_words":87,"start":940.99,"end":971.92004},{"sentences":[{"text":"The better you do, the better we do, and we want everyone to be going up and hitting their goals so we can have good conversations and say, look, we knocked the lights out.","start":971.92004,"end":979.68,"sentiment":"positive","sentiment_score":0.5503859747858608},{"text":"You're doing fantastic.","start":979.68,"end":980.74005,"sentiment":"positive","sentiment_score":0.7712217768033346},{"text":"You're on the app.","start":980.96,"end":981.76,"sentiment":"positive","sentiment_score":0.5491911768913269},{"text":"Everything's good.","start":981.76,"end":982.82,"sentiment":"positive","sentiment_score":0.4714188873767853},{"text":"But at the same time, we're trying to avoid doing anything to, like, knee jerk reaction where the news pops up and we start chopping and changing things all the time.","start":983.275,"end":993.535,"sentiment":"neutral","sentiment_score":-0.1798165900812995}],"sentiment":"neutral","sentiment_score":0.2512442792287549,"num_words":74,"start":971.92004,"end":993.535},{"sentences":[{"text":"Yeah, mate.","start":1006.25,"end":1006.97003,"sentiment":"neutral","sentiment_score":-0.05075962841510773},{"text":"Well see, my first introduction to it, right, was I was in school when September 11 happened, and then I graduated high school when the GFC happened.","start":1006.97003,"end":1021.78503,"sentiment":"neutral","sentiment_score":0.009376200605873708},{"text":"And I had just gotten into an interest into personal finance and reading books and looking at the stock market when the whole world wiped out 60% of the stock market.","start":1021.94,"end":1031.86,"sentiment":"neutral","sentiment_score":-0.090680253361502},{"text":"People lost their homes and jobs and all this kind of thing.","start":1031.86,"end":1034.805,"sentiment":"neutral","sentiment_score":-0.22090357169508934},{"text":"And then since then, there's just always been something happening every three to five years.","start":1034.885,"end":1039.0651,"sentiment":"neutral","sentiment_score":-0.12700060208638508}],"sentiment":"neutral","sentiment_score":-0.08293450099212685,"num_words":87,"start":1006.25,"end":1039.0651},{"sentences":[{"text":"There's a crisis in China.","start":1039.2051,"end":1040.4851,"sentiment":"neutral","sentiment_score":-0.1630968540906906},{"text":"There's a crisis in Greece with the banking system.","start":1040.4851,"end":1043.0651,"sentiment":"neutral","sentiment_score":-0.23666856272353065},{"text":"There's COVID.","start":1043.285,"end":1044.185,"sentiment":"neutral","sentiment_score":-0.18726564198732376},{"text":"Now all of a sudden, there's wars breaking out.","start":1044.3251,"end":1046.3251,"sentiment":"neutral","sentiment_score":-0.21469618380069733},{"text":"Like, this this thing just keeps repeating itself.","start":1046.3251,"end":1048.665,"sentiment":"neutral","sentiment_score":-0.16529635526239872}],"sentiment":"neutral","sentiment_score":-0.19923239743167703,"num_words":33,"start":1039.2051,"end":1048.665},{"sentences":[{"text":"We're just trying to make sure that you're buying, like, the good investments that you can compared to the ones next year.","start":1049.21,"end":1057.23,"sentiment":"neutral","sentiment_score":0.10789304053072225},{"text":"If you can drop a little bit less than the guy next year, if you can grow a little bit quicker than the guy next year and get to that goal, that's great.","start":1057.29,"end":1064.565,"sentiment":"neutral","sentiment_score":0.043594394217837944},{"text":"But we can't, like, control the weather.","start":1064.8049,"end":1066.6449,"sentiment":"neutral","sentiment_score":-0.18604812238897597},{"text":"You know what I mean?","start":1066.6449,"end":1067.205,"sentiment":"neutral","sentiment_score":-0.10232967585325241},{"text":"We've put you in a sports car.","start":1067.205,"end":1068.985,"sentiment":"neutral","sentiment_score":-0.08040696435741015}],"sentiment":"neutral","sentiment_score":0.019397674518561846,"num_words":74,"start":1049.21,"end":1068.985},{"sentences":[{"text":"It's gonna rain.","start":1069.125,"end":1069.845,"sentiment":"neutral","sentiment_score":-0.07876370350519817},{"text":"It's gonna storm.","start":1069.845,"end":1070.485,"sentiment":"neutral","sentiment_score":-0.09096176673968633},{"text":"You're gonna slip off the road, and then when you get back on the road, you're going 200 k's an hour again.","start":1070.485,"end":1074.5049,"sentiment":"neutral","sentiment_score":-0.05192217095331712},{"text":"I love my analogies.","start":1077.94,"end":1079.0,"sentiment":"positive","sentiment_score":0.5500198304653168},{"text":"The the team hates it.","start":1079.14,"end":1080.1799,"sentiment":"neutral","sentiment_score":0.038392572104930876}],"sentiment":"neutral","sentiment_score":0.02001562191022409,"num_words":37,"start":1069.125,"end":1080.1799},{"sentences":[{"text":"I sit there and draw the whiteboard up, and I'm drawing trees and houses.","start":1080.1799,"end":1083.5399,"sentiment":"neutral","sentiment_score":0.07366301757948739},{"text":"And, you know, my favorite one?","start":1083.5399,"end":1085.32,"sentiment":"neutral","sentiment_score":0.053561542804042496},{"text":"At least my favorite one is if you have a house that's worth $500,000 and then you found out that it's now worth $400,000, would you rush off to go and sell it and lose a $100?","start":1085.86,"end":1096.845,"sentiment":"neutral","sentiment_score":-0.03529219515621662},{"text":"Or do you go, I'll get an investment property or two or three, and then when it goes up, I've got four houses that are all up to $800?","start":1096.845,"end":1103.64,"sentiment":"neutral","sentiment_score":0.0023231757804751396},{"text":"That's what we'd like to do.","start":1106.92,"end":1109.02,"sentiment":"neutral","sentiment_score":0.14074083417654037}],"sentiment":"neutral","sentiment_score":0.01042018896576179,"num_words":92,"start":1080.1799,"end":1109.02},{"sentences":[{"text":"But once you've gotten closer to that point that you need to protect what you've got, we're gonna get out of the properties and the houses and the stocks and go into some safer assets, bit more term deposits, bonds, fixed interest, and get a little bit of growth to fund your retirement, but protect it more so.","start":1109.24,"end":1127.6849,"sentiment":"neutral","sentiment_score":0.07523919632337217},{"text":"Cool.","start":1131.505,"end":1132.005,"sentiment":"positive","sentiment_score":0.6087453365325928},{"text":"Awesome.","start":1135.47,"end":1135.95,"sentiment":"positive","sentiment_score":0.7496163845062256},{"text":"I I really appreciate hearing that.","start":1135.95,"end":1137.89,"sentiment":"positive","sentiment_score":0.7304640014966329},{"text":"And at any point, if there's anything concerning you wanna call up, go for it.","start":1137.95,"end":1142.85,"sentiment":"neutral","sentiment_score":0.25818241039911904}],"sentiment":"neutral","sentiment_score":0.17256487991062947,"num_words":81,"start":1109.24,"end":1142.85},{"sentences":[{"text":"If we have a discussion and there's anything major that we're flagging as an issue, we will do some changes.","start":1142.99,"end":1148.6951,"sentiment":"neutral","sentiment_score":0.07920391298830509},{"text":"But don't hesitate to talk to us because that's what we're here for.","start":1149.3151,"end":1153.095,"sentiment":"neutral","sentiment_score":0.195730155477157},{"text":"Yeah.","start":1161.0901,"end":1161.41,"sentiment":"neutral","sentiment_score":0.07856544107198715},{"text":"Actually, that's kind of what drove me to OQUE.","start":1161.41,"end":1164.13,"sentiment":"neutral","sentiment_score":0.05288057732913229},{"text":"Two things drew me here.","start":1164.13,"end":1165.41,"sentiment":"neutral","sentiment_score":-0.0017833855003118518}],"sentiment":"neutral","sentiment_score":0.09737799980212003,"num_words":48,"start":1142.99,"end":1165.41},{"sentences":[{"text":"I've been doing this for twelve years now, and client first is something that everyone talks about in business, but these guys, there's a pretty big focus on actually talking to people like they're people, not just pretending like you're part of the CBA bank or a robot.","start":1165.41,"end":1179.855,"sentiment":"neutral","sentiment_score":0.12422803059841196},{"text":"And the other thing is Oatvue is pretty well, like, self licensed.","start":1180.6349,"end":1185.375,"sentiment":"neutral","sentiment_score":0.3322250259419282},{"text":"We're not tied to recommending a bank's products because we're linked to CBA or NAB or Westpac.","start":1185.5149,"end":1191.28,"sentiment":"neutral","sentiment_score":0.1889247797867831},{"text":"So we've got a lot of freedom in what we do for clients with restrictions and frameworks, of course.","start":1191.82,"end":1197.44,"sentiment":"neutral","sentiment_score":0.23272635199521718},{"text":"But these guys said, look.","start":1197.5,"end":1198.54,"sentiment":"neutral","sentiment_score":0.10170218050479889}],"sentiment":"neutral","sentiment_score":0.1791255309587658,"num_words":101,"start":1165.41,"end":1198.54},{"sentences":[{"text":"We need a senior adviser.","start":1198.54,"end":1199.76,"sentiment":"neutral","sentiment_score":0.05491107404232025},{"text":"Can you come in here?","start":1200.095,"end":1200.975,"sentiment":"neutral","sentiment_score":0.0652722842991352},{"text":"You can give any advice you like and just look after the clients.","start":1200.975,"end":1204.755,"sentiment":"neutral","sentiment_score":0.1259512517314691},{"text":"We've built this business.","start":1204.975,"end":1206.015,"sentiment":"neutral","sentiment_score":0.252875629812479},{"text":"We've built these clients.","start":1206.015,"end":1206.895,"sentiment":"neutral","sentiment_score":0.24687334522604942}],"sentiment":"neutral","sentiment_score":0.13668641820549965,"num_words":31,"start":1198.54,"end":1206.895},{"sentences":[{"text":"Can you come in and look after them?","start":1206.895,"end":1208.495,"sentiment":"neutral","sentiment_score":0.11382872704416513},{"text":"And I said, yeah.","start":1208.495,"end":1209.295,"sentiment":"neutral","sentiment_score":0.09112925082445145},{"text":"Absolutely.","start":1209.295,"end":1209.795,"sentiment":"neutral","sentiment_score":0.27165424823760986},{"text":"I'll I'll spend a few years training advisers, about 50 of them, and then thought, oh, I kinda miss talking to people and giving advice.","start":1209.935,"end":1217.0701,"sentiment":"neutral","sentiment_score":0.1295788286626339},{"text":"I wanna get back on the tools a little bit.","start":1217.0701,"end":1219.09,"sentiment":"neutral","sentiment_score":0.1489762246608734}],"sentiment":"neutral","sentiment_score":0.1307507089804858,"num_words":48,"start":1206.895,"end":1219.09},{"sentences":[{"text":"No worries at all.","start":1235.5651,"end":1236.4451,"sentiment":"positive","sentiment_score":0.3723849728703499},{"text":"That that warms the heart.","start":1236.4451,"end":1237.645,"sentiment":"positive","sentiment_score":0.5261032938957214},{"text":"And to be honest, mate, we don't see easy little fish.","start":1237.645,"end":1240.51,"sentiment":"neutral","sentiment_score":0.08551137115467679},{"text":"We we see you as just the same as anybody else, whether it's they've got $800, 50, or 200.","start":1240.65,"end":1246.11,"sentiment":"neutral","sentiment_score":0.18451863135162153},{"text":"At the end of the day, you're a person that we've charged to do a service for, and we treat everyone the same way.","start":1246.65,"end":1254.075,"sentiment":"neutral","sentiment_score":0.26151830578843754}],"sentiment":"neutral","sentiment_score":0.2356027742581708,"num_words":63,"start":1235.5651,"end":1254.075},{"sentences":[{"text":"Cool.","start":1257.2749,"end":1257.7749,"sentiment":"positive","sentiment_score":0.5943992137908936},{"text":"That's alright.","start":1258.5549,"end":1259.115,"sentiment":"neutral","sentiment_score":0.28020092844963074},{"text":"Is there anything else I can help you with?","start":1259.115,"end":1260.8949,"sentiment":"neutral","sentiment_score":0.14643508858150905},{"text":"Yeah?","start":1270.65,"end":1271.13,"sentiment":"neutral","sentiment_score":0.044851720333099365},{"text":"Yep.","start":1271.13,"end":1271.63,"sentiment":"neutral","sentiment_score":0.05403861030936241}],"sentiment":"neutral","sentiment_score":0.18368622846901417,"num_words":14,"start":1257.2749,"end":1271.63},{"sentences":[{"text":"I will have a look at a couple of quick little things before I let you go.","start":1272.8099,"end":1276.49,"sentiment":"neutral","sentiment_score":0.06761898472905159},{"text":"Yes.","start":1276.49,"end":1276.99,"sentiment":"neutral","sentiment_score":0.03063909150660038},{"text":"Another quarterly review in a few months' time.","start":1277.21,"end":1279.95,"sentiment":"neutral","sentiment_score":0.10716090444475412},{"text":"We do have your contributions coming in from Fruh Food International.","start":1280.565,"end":1284.345,"sentiment":"neutral","sentiment_score":0.2326284646987915},{"text":"So one of the good things is, again, they come in monthly, quarterly, and so on to buy these investments.","start":1284.965,"end":1290.6649,"sentiment":"positive","sentiment_score":0.4276563927531242}],"sentiment":"neutral","sentiment_score":0.23069280761767896,"num_words":57,"start":1272.8099,"end":1290.6649},{"sentences":[{"text":"We will send you out a little pack for our next catch up, and then, again, pretty deep dive when we do the annual review.","start":1291.205,"end":1297.89,"sentiment":"neutral","sentiment_score":0.2886164647340774},{"text":"Awesome, mate.","start":1301.15,"end":1302.0499,"sentiment":"positive","sentiment_score":0.7129406332969666},{"text":"You have a fantastic week.","start":1304.51,"end":1306.35,"sentiment":"positive","sentiment_score":0.8183508396148682},{"text":"I will just send you a usual customer service message through to your phone.","start":1306.35,"end":1310.705,"sentiment":"positive","sentiment_score":0.34323722975594656},{"text":"Anything else, mate, just give us a buzz back, but I've put down some file notes on your account so the team know.","start":1311.1649,"end":1316.625,"sentiment":"neutral","sentiment_score":0.19666335731744766}],"sentiment":"neutral","sentiment_score":0.31973370315803995,"num_words":69,"start":1291.205,"end":1316.625},{"sentences":[{"text":"Awesome, man.","start":1319.7628,"end":1320.3229,"sentiment":"positive","sentiment_score":0.7942746877670288},{"text":"You take care, and I'll talk to you soon.","start":1320.3229,"end":1321.8628,"sentiment":"positive","sentiment_score":0.6518747740321689},{"text":"Thanks, Lee.","start":1324.1628,"end":1324.8828,"sentiment":"positive","sentiment_score":0.6053069829940796},{"text":"Bye.","start":1324.8828,"end":1325.3828,"sentiment":"neutral","sentiment_score":-0.10957273840904236}],"sentiment":"positive","sentiment_score":0.6111759692430496,"num_words":14,"start":1319.7628,"end":1325.3828}]}}]},{"alternatives":[{"transcript":"Hello? Lee speaking. Hi. Good, mate. How are you? Yeah. I mean, I mean, too bad. It's been a little bit hectic at work. But well, yeah. It's been a main board, I guess. Yeah. Lots of drama in my life and my work life, mate. I'm a manager I'm a safety manager for an abattoir. So you can imagine that's sort of things that are designed to cut up everything we're made of. And to be honest, it's terrifying. Absolutely. Absolutely. I'm an old fellow, mate. So I I I think common sense was just a long, long time ago. I'm pretty sure I was still a young fellow when it all went out the window. Yep. Absolutely. Absolutely. The '72. The address is Number 2 Dawson Street, Ararat, Victoria. Correct. So I started the whole super journey thing pretty late in life, and I lost I lost a a great deal of super back in the nineties through a financial crash, I believe it was. I can't remember what year it was, but it was bad. I lost about half of my super, I think it was. Yeah. And it I'm 53 now, and this ball has got me concerned. I sort of like I went with you guys on the basis that I was thinking, like, singing along the lines of, like, I'm gonna have to I'm gonna have to take some some risks to get enough super into my account to be able to catch it up and retire at a reasonable age. You know, I was thinking, like, 67 would be reasonable, 68. I figured that way I could at least have ten years. You know what I mean? So I'm just, like, I'm still just nervous, mate. That's all. Yes. Mhmm. Yep. Yep. Yep. Yes. That's pretty much it, man. I I just don't wanna see you know, look, I feel that at my age, I should have more super than what I've got. I've got 220 k sitting in there at the moment. It was about two thirty, two thirty five, I think. I just don't wanna end up going far out, man. Like, I've lost half of it. Like, I've gotta build it again. Do you know what I mean? All I'm looking for is advice from you. I don't wanna leave you guys. Right? But that's not what I'm talking about. I just need some reassurances from you guys that whilst you can't I I expect there will be dips and there will be highs. Just need some assurances that won't be, you know, devastating for me. Yeah. Yep. Yep. Yep. Yep. Yep. Yep. Yep. I would I would have expected the same thing, actually, to be honest with you. When I looked at my super, I expected to have lost, you know, twenty or thirty thousand. That's what I had in my head. When I looked at it, I was like, oh, thank Christ. Yep. Yeah. Right. Right. So you guys are watching this stuff very carefully for for your customers. Yeah? Yeah. Yep. Yep. Yep. Yep. So you've already taken this into account. Alright. Okay. Yep. Right. Okay. It does make sense. Yep. Yes. Yeah. Right. Okay. Yep. Yep. Okay. True story. Alright. Yes. Yeah. Yep. Alright. You're making me feel a lot more comfortable about it. That's all I wanted to hear, mate. That's all I wanted to hear. Yeah. Yep. Yep. No. You're exactly right. You're exactly right. No. I did actually think that, but I was just like, man, this is just insane. Like, this was just escalating, you know? And then you say that you you watch the news and you look at the stock markets and you're like, oh, man. Wow. Yeah. What a really good analogy. What's that? Yeah. Good point. Very good analogy. Very good analogy. Yep. No. Very good. Very good. You've you've put me at ease in a big way, mate. Big way. Yep. You you guys have got a pretty good business model. You're very customer focused, aren't you? Yeah. You're right. So I just sort of see myself as a little fish in a big pond, and you've still made me feel like a valued customer. I do appreciate that. I appreciate you calling me. Very good. Thank you, Tommy. Appreciate it. No. It's all good. It's all good. I'll I'll hear from from one of you guys, I guess, in three months for another quarterly review. Yeah? Yep. Yep. Fantastic. Okay, Tommy. Thank you very much. Yep. Really, really appreciate it, mate. Thank you. No worries, mate. Have a beautiful night. 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Lee speaking. Hi. Good, mate. How are you?\n\nYeah. I mean, I mean, too bad. It's been a little bit hectic at work. But well, yeah. It's been a main board, I guess.\n\nYeah. Lots of drama in my life and my work life, mate. I'm a manager I'm a safety manager for an abattoir. So you can imagine that's sort of things that are designed to cut up everything we're made of. And to be honest, it's terrifying.\n\nAbsolutely. Absolutely. I'm an old fellow, mate. So I I I think common sense was just a long, long time ago. I'm pretty sure I was still a young fellow when it all went out the window.\n\nYep. Absolutely. Absolutely. The '72. The address is Number 2 Dawson Street, Ararat, Victoria.\n\nCorrect. So I started the whole super journey thing pretty late in life, and I lost I lost a a great deal of super back in the nineties through a financial crash, I believe it was. I can't remember what year it was, but it was bad. I lost about half of my super, I think it was. Yeah.\n\nAnd it I'm 53 now, and this ball has got me concerned. I sort of like I went with you guys on the basis that I was thinking, like, singing along the lines of, like, I'm gonna have to I'm gonna have to take some some risks to get enough super into my account to be able to catch it up and retire at a reasonable age. You know, I was thinking, like, 67 would be reasonable, 68. I figured that way I could at least have ten years. You know what I mean?\n\nSo I'm just, like, I'm still just nervous, mate. That's all. Yes. Mhmm. Yep.\n\nYep. Yep. Yes. That's pretty much it, man. I I just don't wanna see you know, look, I feel that at my age, I should have more super than what I've got.\n\nI've got 220 k sitting in there at the moment. It was about two thirty, two thirty five, I think. I just don't wanna end up going far out, man. Like, I've lost half of it. Like, I've gotta build it again.\n\nDo you know what I mean? All I'm looking for is advice from you. I don't wanna leave you guys. Right? But that's not what I'm talking about.\n\nI just need some reassurances from you guys that whilst you can't I I expect there will be dips and there will be highs. Just need some assurances that won't be, you know, devastating for me. Yeah. Yep. Yep.\n\nYep. Yep. Yep. Yep. Yep.\n\nI would I would have expected the same thing, actually, to be honest with you. When I looked at my super, I expected to have lost, you know, twenty or thirty thousand. That's what I had in my head. When I looked at it, I was like, oh, thank Christ. Yep.\n\nYeah. Right. Right. So you guys are watching this stuff very carefully for for your customers. Yeah?\n\nYeah. Yep. Yep. Yep. Yep.\n\nSo you've already taken this into account. Alright. Okay. Yep. Right.\n\nOkay. It does make sense. Yep. Yes. Yeah.\n\nRight. Okay. Yep. Yep. Okay.\n\nTrue story. Alright. Yes. Yeah. Yep.\n\nAlright. You're making me feel a lot more comfortable about it. That's all I wanted to hear, mate. That's all I wanted to hear. Yeah.\n\nYep. Yep. No. You're exactly right. You're exactly right.\n\nNo. I did actually think that, but I was just like, man, this is just insane. Like, this was just escalating, you know? And then you say that you you watch the news and you look at the stock markets and you're like, oh, man. Wow.\n\nYeah. What a really good analogy. What's that? Yeah. Good point.\n\nVery good analogy. Very good analogy. Yep. No. Very good.\n\nVery good. You've you've put me at ease in a big way, mate. Big way. Yep. You you guys have got a pretty good business model.\n\nYou're very customer focused, aren't you? Yeah. You're right. So I just sort of see myself as a little fish in a big pond, and you've still made me feel like a valued customer. I do appreciate that.\n\nI appreciate you calling me. Very good. Thank you, Tommy. Appreciate it. No.\n\nIt's all good. It's all good. I'll I'll hear from from one of you guys, I guess, in three months for another quarterly review. Yeah? Yep.\n\nYep. Fantastic. Okay, Tommy. Thank you very much. Yep.\n\nReally, really appreciate it, mate. Thank you. No worries, mate. Have a beautiful night. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.012812769040465357},{"text":"Lee speaking.","start":1.92,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.014804160688072443},{"text":"Hi.","start":3.52,"end":4.02,"sentiment":"neutral","sentiment_score":0.1136569157242775},{"text":"Good, mate.","start":7.9199996,"end":8.48,"sentiment":"positive","sentiment_score":0.43269236385822296},{"text":"How are you?","start":8.48,"end":9.38,"sentiment":"neutral","sentiment_score":0.32948122421900433}],"sentiment":"neutral","sentiment_score":0.22332293405714962,"num_words":9,"start":1.4399999,"end":9.38},{"sentences":[{"text":"Yeah.","start":14.575,"end":14.975,"sentiment":"neutral","sentiment_score":0.03690186142921448},{"text":"I mean, I mean, too bad.","start":14.975,"end":18.115,"sentiment":"neutral","sentiment_score":-0.07911435328423977},{"text":"It's been a little bit hectic at work.","start":18.175,"end":20.835,"sentiment":"neutral","sentiment_score":-0.08922661002725363},{"text":"But well, yeah.","start":22.015,"end":25.075,"sentiment":"neutral","sentiment_score":-0.02272900256017844},{"text":"It's been a main board, I guess.","start":25.215,"end":27.075,"sentiment":"neutral","sentiment_score":-0.01436979350234781}],"sentiment":"neutral","sentiment_score":-0.052814908027648926,"num_words":25,"start":14.575,"end":27.075},{"sentences":[{"text":"Yeah.","start":35.690002,"end":36.170002,"sentiment":"neutral","sentiment_score":-0.08452299237251282},{"text":"Lots of drama in my life and my work life, mate.","start":36.170002,"end":39.39,"sentiment":"neutral","sentiment_score":-0.12188008021224629},{"text":"I'm a manager I'm a safety manager for an abattoir.","start":40.815002,"end":44.755,"sentiment":"neutral","sentiment_score":-0.07652742862701416},{"text":"So you can imagine that's sort of things that are designed to cut up everything we're made of.","start":45.135002,"end":50.895,"sentiment":"neutral","sentiment_score":-0.24210268548793262},{"text":"And to be honest, it's terrifying.","start":50.895,"end":54.05,"sentiment":"neutral","sentiment_score":-0.2878658225138982}],"sentiment":"neutral","sentiment_score":-0.17990263988790306,"num_words":46,"start":35.690002,"end":54.05},{"sentences":[{"text":"Absolutely.","start":59.71,"end":60.21,"sentiment":"neutral","sentiment_score":0.015542244538664818},{"text":"Absolutely.","start":61.07,"end":61.57,"sentiment":"neutral","sentiment_score":0.040330469608306885},{"text":"I'm an old fellow, mate.","start":63.63,"end":64.91,"sentiment":"neutral","sentiment_score":-0.010536216944456101},{"text":"So I I I think common sense was just a long, long time ago.","start":64.91,"end":68.805,"sentiment":"neutral","sentiment_score":-0.02690149444554533},{"text":"I'm pretty sure I was still a young fellow when it all went out the 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was.","start":171.18999,"end":174.89,"sentiment":"negative","sentiment_score":-0.44806505875153974},{"text":"Yeah.","start":182.31,"end":182.81,"sentiment":"neutral","sentiment_score":-0.1772262156009674}],"sentiment":"neutral","sentiment_score":-0.2557369048186278,"num_words":59,"start":126.225006,"end":182.81},{"sentences":[{"text":"And it I'm 53 now, and this ball has got me concerned.","start":186.125,"end":191.905,"sentiment":"neutral","sentiment_score":-0.2602779132624467},{"text":"I sort of like I went with you guys on the basis that I was thinking, like, singing along the lines of, like, I'm gonna have to I'm gonna have to take some some risks to get enough super into my account to be able to catch it up and retire at a reasonable age.","start":193.165,"end":214.725,"sentiment":"neutral","sentiment_score":-0.0772417391565713},{"text":"You know, I was thinking, like, 67 would be reasonable, 68.","start":214.725,"end":219.065,"sentiment":"neutral","sentiment_score":-0.01354929195208983},{"text":"I figured that way I could at least have ten years.","start":220.885,"end":223.385,"sentiment":"neutral","sentiment_score":-0.02950305864214897},{"text":"You know what I mean?","start":225.02,"end":227.16,"sentiment":"neutral","sentiment_score":-0.07852562591433525}],"sentiment":"neutral","sentiment_score":-0.08763653828584134,"num_words":94,"start":186.125,"end":227.16},{"sentences":[{"text":"So I'm just, like, I'm still just nervous, mate.","start":227.98,"end":233.26001,"sentiment":"neutral","sentiment_score":-0.28642449114057755},{"text":"That's all.","start":233.26001,"end":234.08,"sentiment":"neutral","sentiment_score":-0.26286788284778595},{"text":"Yes.","start":269.555,"end":270.055,"sentiment":"neutral","sentiment_score":0.11480222642421722},{"text":"Mhmm.","start":277.875,"end":278.375,"sentiment":"neutral","sentiment_score":0.04936154931783676},{"text":"Yep.","start":282.12,"end":282.62,"sentiment":"neutral","sentiment_score":0.2072971761226654}],"sentiment":"neutral","sentiment_score":-0.1951496595782893,"num_words":14,"start":227.98,"end":282.62},{"sentences":[{"text":"Yep.","start":286.44,"end":286.94,"sentiment":"neutral","sentiment_score":0.1969347894191742},{"text":"Yep.","start":302.525,"end":303.025,"sentiment":"neutral","sentiment_score":-0.09862495958805084},{"text":"Yes.","start":304.205,"end":304.605,"sentiment":"neutral","sentiment_score":-0.06586585938930511},{"text":"That's pretty much it, man.","start":304.605,"end":305.885,"sentiment":"neutral","sentiment_score":-0.14634630978107452},{"text":"I I just don't wanna see you know, look, I feel that at my age, I should have more super than what I've got.","start":305.885,"end":314.81,"sentiment":"neutral","sentiment_score":-0.2679564223314325}],"sentiment":"neutral","sentiment_score":-0.22282005357556045,"num_words":32,"start":286.44,"end":314.81},{"sentences":[{"text":"I've got 220 k sitting in there at the moment.","start":314.81,"end":317.53,"sentiment":"neutral","sentiment_score":-0.158808396756649},{"text":"It was about two thirty, two thirty five, I think.","start":317.53,"end":320.325,"sentiment":"neutral","sentiment_score":-0.14644813761115075},{"text":"I just don't wanna end up going far out, man.","start":321.765,"end":325.52502,"sentiment":"negative","sentiment_score":-0.4777530074119568},{"text":"Like, I've lost half of it.","start":325.52502,"end":327.20502,"sentiment":"negative","sentiment_score":-0.5380881428718567},{"text":"Like, I've gotta build it 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about.","start":340.34,"end":342.36,"sentiment":"neutral","sentiment_score":-0.13088233023881912}],"sentiment":"neutral","sentiment_score":-0.10904037579894066,"num_words":28,"start":328.725,"end":342.36},{"sentences":[{"text":"I just need some reassurances from you guys that whilst you can't I I expect there will be dips and there will be highs.","start":343.13998,"end":354.375,"sentiment":"neutral","sentiment_score":-0.09122467460110784},{"text":"Just need some assurances that won't be, you know, devastating for me.","start":355.79498,"end":361.415,"sentiment":"neutral","sentiment_score":-0.21981649845838547},{"text":"Yeah.","start":366.22,"end":366.72,"sentiment":"neutral","sentiment_score":-0.013483811169862747},{"text":"Yep.","start":371.18,"end":371.68,"sentiment":"neutral","sentiment_score":-0.2131425142288208},{"text":"Yep.","start":375.5,"end":376.0,"sentiment":"neutral","sentiment_score":-0.07607714086771011}],"sentiment":"neutral","sentiment_score":-0.1315357343126566,"num_words":39,"start":343.13998,"end":376.0},{"sentences":[{"text":"Yep.","start":387.405,"end":387.905,"sentiment":"neutral","sentiment_score":0.22422724962234497},{"text":"Yep.","start":394.62,"end":395.12,"sentiment":"neutral","sentiment_score":0.25247639417648315},{"text":"Yep.","start":420.54,"end":421.04,"sentiment":"neutral","sentiment_score":0.061463501304388046},{"text":"Yep.","start":442.155,"end":442.55502,"sentiment":"neutral","sentiment_score":-0.0012575052678585052},{"text":"Yep.","start":442.55502,"end":443.05502,"sentiment":"neutral","sentiment_score":0.034251704812049866}],"sentiment":"neutral","sentiment_score":0.1142322689294815,"num_words":5,"start":387.405,"end":443.05502},{"sentences":[{"text":"I would I would have expected the same thing, actually, to be honest with you.","start":443.11502,"end":446.78,"sentiment":"neutral","sentiment_score":-0.06519740944107373},{"text":"When I looked at my super, I expected to have lost, you know, twenty or thirty thousand.","start":446.78,"end":451.84,"sentiment":"neutral","sentiment_score":-0.22520098090171814},{"text":"That's what I had in my head.","start":452.54,"end":454.08002,"sentiment":"neutral","sentiment_score":-0.06046455779245922},{"text":"When I looked at it, I was like, oh, thank Christ.","start":454.62,"end":457.52002,"sentiment":"neutral","sentiment_score":0.05954876372759992},{"text":"Yep.","start":473.285,"end":473.785,"sentiment":"neutral","sentiment_score":0.13163718581199646}],"sentiment":"neutral","sentiment_score":-0.08711678695444967,"num_words":51,"start":443.11502,"end":473.785},{"sentences":[{"text":"Yeah.","start":483.44,"end":483.68,"sentiment":"neutral","sentiment_score":0.01985713094472885},{"text":"Right.","start":483.68,"end":484.18,"sentiment":"neutral","sentiment_score":-0.06122441217303276},{"text":"Right.","start":514.24,"end":514.74,"sentiment":"neutral","sentiment_score":-0.02224694192409515},{"text":"So you guys are watching this stuff very carefully for for your customers.","start":514.8,"end":519.3,"sentiment":"neutral","sentiment_score":0.008536281493993906},{"text":"Yeah?","start":519.44,"end":519.94,"sentiment":"neutral","sentiment_score":0.01636139117181301}],"sentiment":"neutral","sentiment_score":0.003748166320078513,"num_words":17,"start":483.44,"end":519.94},{"sentences":[{"text":"Yeah.","start":523.335,"end":523.835,"sentiment":"neutral","sentiment_score":0.00807223841547966},{"text":"Yep.","start":550.555,"end":551.055,"sentiment":"neutral","sentiment_score":0.06643428653478622},{"text":"Yep.","start":565.0,"end":565.5,"sentiment":"neutral","sentiment_score":0.09840687364339828},{"text":"Yep.","start":572.19995,"end":572.69995,"sentiment":"neutral","sentiment_score":0.1471066176891327},{"text":"Yep.","start":633.465,"end":633.965,"sentiment":"neutral","sentiment_score":0.06228101998567581}],"sentiment":"neutral","sentiment_score":0.07646020725369454,"num_words":5,"start":523.335,"end":633.965},{"sentences":[{"text":"So you've already taken this into account.","start":654.77997,"end":657.04,"sentiment":"neutral","sentiment_score":-0.005666095852835237},{"text":"Alright.","start":658.175,"end":658.65497,"sentiment":"neutral","sentiment_score":0.0479108989238739},{"text":"Okay.","start":658.65497,"end":659.15497,"sentiment":"neutral","sentiment_score":0.02160468138754368},{"text":"Yep.","start":664.175,"end":664.675,"sentiment":"neutral","sentiment_score":-0.06844640523195267},{"text":"Right.","start":696.615,"end":696.935,"sentiment":"neutral","sentiment_score":0.13969814777374268}],"sentiment":"neutral","sentiment_score":0.009191331989396449,"num_words":11,"start":654.77997,"end":696.935},{"sentences":[{"text":"Okay.","start":696.935,"end":697.435,"sentiment":"neutral","sentiment_score":0.13826632499694824},{"text":"It does make 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mate.","start":906.16003,"end":907.84,"sentiment":"positive","sentiment_score":0.4324368791920798},{"text":"That's all I wanted to hear.","start":907.84,"end":909.38,"sentiment":"positive","sentiment_score":0.43034924070040387},{"text":"Yeah.","start":926.615,"end":927.115,"sentiment":"neutral","sentiment_score":-0.16041606664657593}],"sentiment":"positive","sentiment_score":0.48453539729118345,"num_words":25,"start":875.36,"end":927.115},{"sentences":[{"text":"Yep.","start":938.7,"end":939.2,"sentiment":"neutral","sentiment_score":0.1743106245994568},{"text":"Yep.","start":946.46,"end":946.96,"sentiment":"neutral","sentiment_score":-0.02746450901031494},{"text":"No.","start":960.24,"end":960.74,"sentiment":"neutral","sentiment_score":0.0340857207775116},{"text":"You're exactly right.","start":960.96,"end":962.24,"sentiment":"neutral","sentiment_score":0.2624616374572118},{"text":"You're exactly 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man.","start":1006.295,"end":1011.27496,"sentiment":"neutral","sentiment_score":-0.019702936776659706},{"text":"Wow.","start":1011.575,"end":1012.075,"sentiment":"neutral","sentiment_score":0.025737937539815903}],"sentiment":"neutral","sentiment_score":-0.19987820534278516,"num_words":46,"start":994.35004,"end":1012.075},{"sentences":[{"text":"Yeah.","start":1039.775,"end":1040.275,"sentiment":"neutral","sentiment_score":-0.11518897116184236},{"text":"What a really good analogy.","start":1075.85,"end":1077.31,"sentiment":"positive","sentiment_score":0.5270429968833923},{"text":"What's that?","start":1085.865,"end":1086.765,"sentiment":"neutral","sentiment_score":-0.024209325201809406},{"text":"Yeah.","start":1104.25,"end":1104.4901,"sentiment":"neutral","sentiment_score":0.12073077261447906},{"text":"Good point.","start":1104.4901,"end":1105.2301,"sentiment":"positive","sentiment_score":0.3708062320947647}],"sentiment":"neutral","sentiment_score":0.3030864181505008,"num_words":11,"start":1039.775,"end":1105.2301},{"sentences":[{"text":"Very good analogy.","start":1105.37,"end":1106.3501,"sentiment":"positive","sentiment_score":0.46583205461502075},{"text":"Very good analogy.","start":1106.81,"end":1107.7101,"sentiment":"positive","sentiment_score":0.33736496170361835},{"text":"Yep.","start":1121.745,"end":1122.245,"sentiment":"neutral","sentiment_score":0.06935614347457886},{"text":"No.","start":1129.02,"end":1129.26,"sentiment":"neutral","sentiment_score":0.01596035063266754},{"text":"Very good.","start":1129.26,"end":1130.0801,"sentiment":"neutral","sentiment_score":0.26315565407276154}],"sentiment":"neutral","sentiment_score":0.3021218851208687,"num_words":10,"start":1105.37,"end":1130.0801},{"sentences":[{"text":"Very good.","start":1130.14,"end":1130.9601,"sentiment":"positive","sentiment_score":0.450344979763031},{"text":"You've you've put me at ease in a big way, mate.","start":1131.1,"end":1134.4601,"sentiment":"positive","sentiment_score":0.6877185214649547},{"text":"Big way.","start":1134.4601,"end":1135.2001,"sentiment":"positive","sentiment_score":0.591596782207489},{"text":"Yep.","start":1149.3451,"end":1149.8451,"sentiment":"neutral","sentiment_score":0.1326996088027954},{"text":"You you guys have got a pretty good business model.","start":1154.96,"end":1158.0,"sentiment":"positive","sentiment_score":0.49413793385028837}],"sentiment":"positive","sentiment_score":0.5662640848985085,"num_words":26,"start":1130.14,"end":1158.0},{"sentences":[{"text":"You're very customer focused, aren't you?","start":1158.0,"end":1160.1799,"sentiment":"positive","sentiment_score":0.33443258206049603},{"text":"Yeah.","start":1180.595,"end":1180.95,"sentiment":"neutral","sentiment_score":0.16966232657432556},{"text":"You're right.","start":1220.13,"end":1220.835,"sentiment":"neutral","sentiment_score":0.26867756247520447},{"text":"So I just sort of see myself as a little fish in a big pond, and you've still made me feel like a valued customer.","start":1221.875,"end":1231.4149,"sentiment":"positive","sentiment_score":0.5200493347644806},{"text":"I do appreciate that.","start":1231.715,"end":1232.995,"sentiment":"positive","sentiment_score":0.6541218459606171}],"sentiment":"positive","sentiment_score":0.4824035183379525,"num_words":38,"start":1158.0,"end":1232.995},{"sentences":[{"text":"I appreciate you calling me.","start":1232.995,"end":1234.65,"sentiment":"positive","sentiment_score":0.6639884948730469},{"text":"Very good.","start":1255.625,"end":1256.365,"sentiment":"positive","sentiment_score":0.6142536997795105},{"text":"Thank you, Tommy.","start":1256.745,"end":1257.625,"sentiment":"positive","sentiment_score":0.6481482783953348},{"text":"Appreciate it.","start":1257.625,"end":1258.685,"sentiment":"positive","sentiment_score":0.5938642919063568},{"text":"No.","start":1261.75,"end":1262.0701,"sentiment":"neutral","sentiment_score":0.06447522342205048}],"sentiment":"positive","sentiment_score":0.5957768089496173,"num_words":13,"start":1232.995,"end":1262.0701},{"sentences":[{"text":"It's all good.","start":1262.0701,"end":1263.03,"sentiment":"neutral","sentiment_score":0.25469950834910077},{"text":"It's all good.","start":1263.03,"end":1264.01,"sentiment":"positive","sentiment_score":0.3961094915866852},{"text":"I'll I'll hear from from one of you guys, I guess, in three months for another quarterly review.","start":1264.0701,"end":1271.91,"sentiment":"neutral","sentiment_score":0.059513516517149076},{"text":"Yeah?","start":1271.91,"end":1272.41,"sentiment":"neutral","sentiment_score":0.051126159727573395},{"text":"Yep.","start":1272.725,"end":1273.225,"sentiment":"neutral","sentiment_score":0.0619480237364769}],"sentiment":"neutral","sentiment_score":0.12064401848384967,"num_words":26,"start":1262.0701,"end":1273.225},{"sentences":[{"text":"Yep.","start":1285.4451,"end":1285.9451,"sentiment":"neutral","sentiment_score":0.2459450215101242},{"text":"Fantastic.","start":1299.4199,"end":1299.9199,"sentiment":"positive","sentiment_score":0.7683056592941284},{"text":"Okay, Tommy.","start":1301.325,"end":1302.3049,"sentiment":"positive","sentiment_score":0.6199536621570587},{"text":"Thank you very much.","start":1302.765,"end":1303.9049,"sentiment":"positive","sentiment_score":0.8382788300514221},{"text":"Yep.","start":1311.245,"end":1311.745,"sentiment":"neutral","sentiment_score":0.10596850514411926}],"sentiment":"positive","sentiment_score":0.6348046478297975,"num_words":9,"start":1285.4451,"end":1311.745},{"sentences":[{"text":"Really, really appreciate it, mate.","start":1317.3,"end":1318.9801,"sentiment":"positive","sentiment_score":0.7875298738479615},{"text":"Thank you.","start":1318.9801,"end":1319.64,"sentiment":"positive","sentiment_score":0.7493804097175598},{"text":"No worries, mate.","start":1322.1001,"end":1322.8201,"sentiment":"positive","sentiment_score":0.4389568070570628},{"text":"Have a beautiful night.","start":1322.8201,"end":1323.9401,"sentiment":"positive","sentiment_score":0.6902461647987366},{"text":"Bye.","start":1323.9401,"end":1324.4401,"sentiment":"positive","sentiment_score":0.39822590351104736}],"sentiment":"positive","sentiment_score":0.6608327448368072,"num_words":15,"start":1317.3,"end":1324.4401}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello? Lee speaking.\n\nChannel 0: Hey, Leith.\n\nChannel 1: Hi.\n\nChannel 0: It is Tommy here, senior adviser from Oakview Financial. How are you doing, mate?\n\nChannel 1: Good, mate. How are you?\n\nChannel 0: Living the dream so far. It's been a fantastic midweek. Your end?\n\nChannel 1: Yeah. I mean, I mean, too bad. It's been a little bit hectic at work. But\n\nChannel 0: Always the way.\n\nChannel 1: well, yeah. It's been a main board, I guess.\n\nChannel 0: Yeah. Mate, you gotta take it that way because otherwise, you might go stir crazy, but, you know, what's life without a little bit of drama?\n\nChannel 1: Yeah. Lots of drama in my life and my work life, mate. I'm\n\nChannel 0: Well\n\nChannel 1: a manager I'm a safety manager for an abattoir. So you can imagine\n\nChannel 0: Uh-huh.\n\nChannel 1: that's sort of things that are designed to cut up everything we're made of. And to be honest, it's terrifying.\n\nChannel 0: And do people behave in a way that you think just defies common sense?\n\nChannel 1: Absolutely. Absolutely. I'm an old fellow, mate. So I I I think common sense was just a long, long time ago. I'm pretty sure I was still a young fellow when it all went out the window.\n\nChannel 0: Yeah, mate. My dad says the same thing, mate. I'm with you. I'm with you. Mate, I had you booked in for a bit of a catch up around the super before\n\nChannel 1: Yep.\n\nChannel 0: I jump into anything as a client of Oakview Financial now. Just wanted to see if you're okay to go through just a quick security process with me.\n\nChannel 1: Absolutely.\n\nChannel 0: Cool. So identify myself. I'm a senior adviser registered with ASIC. My number is 1273105. Are you okay for the calls to be recorded?\n\nChannel 1: Absolutely.\n\nChannel 0: Fantastic. And just for the security of your accounts, could I please confirm your date of birth and address, please, sir?\n\nChannel 1: The '72.\n\nChannel 0: Mhmm.\n\nChannel 1: The address is Number 2 Dawson Street, Ararat, Victoria.\n\nChannel 0: Perfect. Thank you so much for that. And that is postcode 3377?\n\nChannel 1: Correct.\n\nChannel 0: K. Let me just perfect, mate. Thank you so much for that. Now I've got a few things open. I'm just having a look at your Hub 24 super.\n\nI've had a look at the advice that you were given and implemented a couple of months ago. Do you wanna just tell me in your own words the the main thing that you wanted to talk about or get out of this phone call?\n\nChannel 1: So I started the whole super journey thing pretty late in life, and I lost I lost a a great deal of super back in the nineties through a financial crash, I believe it was. I can't remember what year it was, but it was bad. I lost about half of my super, I think it was.\n\nChannel 0: You would have seen quite a few circumstances. You would have seen global financial crisis in 2008, COVID\n\nChannel 1: Yeah.\n\nChannel 0: nineties, you probably would have seen a few.\n\nChannel 1: And it I'm 53 now, and this ball has got me concerned. I sort of like I went with you guys on the basis that I was thinking, like, singing along the lines of, like, I'm gonna have to I'm gonna have to take some some risks to get enough super into my account to be able to\n\nChannel 0: Like, catch it up kind of thing.\n\nChannel 1: catch it up and retire at a reasonable age. You know, I was thinking, like, 67 would be reasonable, 68.\n\nChannel 0: Yep.\n\nChannel 1: I figured that way I could at least have ten years.\n\nChannel 0: Yeah.\n\nChannel 1: You know what I\n\nChannel 0: Yeah. Yeah. I'm\n\nChannel 1: mean?\n\nChannel 0: with you.\n\nChannel 1: So I'm just, like, I'm still just nervous, mate. That's all.\n\nChannel 0: Yeah. I can imagine. I can imagine. And that's one of the things that I try and tell a lot of the younger clients that come on board in their thirties and forties saying, why you've got the time ahead of you, it's all well and good to take on a lot of risk and try and grow you super quickly so you can retire earlier. That last ten to fifteen year period is kind of a a crunch period.\n\nRight? Because you're trying to get the growth to get you to the final figure that you need, but at the same time, you're then trying to protect what you've built because you don't wanna be 66, lose half your super year before you retire because the stock market's crashed. So it's\n\nChannel 1: Yes.\n\nChannel 0: this strange balancing act where you you tend to grow your super for, say, five to ten years depending on your risk level, and then you\n\nChannel 1: Mhmm.\n\nChannel 0: need to start protecting it gradually as you get closer to retirement. So, obviously,\n\nChannel 1: Yep.\n\nChannel 0: we've recommended for you to go into a high growth investment with a lot of\n\nChannel 1: Yep.\n\nChannel 0: passive ETFs, which is pretty rollercoaster y. I'm not gonna lie. And then, obviously, Christmas happens, the world starts going crazy again, stock market starts going up and down, and it could very well have a nice solid crash this year, and that's\n\nChannel 1: Yep.\n\nChannel 0: what's concerned you.\n\nChannel 1: Yes. That's pretty much it, man. I\n\nChannel 0: Yeah.\n\nChannel 1: I just don't wanna see you know, look, I feel that at my age, I should have more super than what I've got. I've got 220 k sitting in there at the moment. It was about two thirty, two thirty five, I think.\n\nChannel 0: Yep.\n\nChannel 1: I just don't wanna end up going far out, man. Like, I've lost half of it. Like, I've gotta build it again. Do you know what I mean?\n\nChannel 0: Yeah.\n\nChannel 1: All I'm looking for is advice from you. I don't wanna leave you guys. Right? But that's not what I'm talking about. I just need some reassurances from you guys that whilst you can't I I expect there will be dips and there will be highs.\n\nJust need some assurances that won't be, you know, devastating for me.\n\nChannel 0: Yeah. So let let me go through three main points with you because\n\nChannel 1: Yeah.\n\nChannel 0: expectations are really important because you need to know how your super is gonna behave. And\n\nChannel 1: Yep.\n\nChannel 0: if it behaves outside of what you expect, then there's a problem.\n\nChannel 1: Yep.\n\nChannel 0: K? So first thing I I wanna just sort of touch on is you moved from, like, a a balanced funds with that Australian super up into a high growth fund that we've built for you.\n\nChannel 1: Yep.\n\nChannel 0: So you've gone from a risk level of three out of five up to five out of five to get that extra growth. Right? That's kind of point number one.\n\nChannel 1: Yep.\n\nChannel 0: One thing that's kind of reassuring to see is that because the market's kind of dropped three to 5% in the last month, which is decently quick, that that can be quite sharp compared to what normally happens in a month on the stock market. I was looking in a, like, a side by side. And your high growth fund, you're expecting it to be more volatile because it's more aggressive. You've got more shares. You've got more property.\n\nYou've got more gold. Does that sort of make sense?\n\nChannel 1: Yep.\n\nChannel 0: Now side by side, though, the Australian super option that you're in, that's kind of dropped 3% in the last month, and your high growth funds dropped, like, 3.5%. So actually pretty similar levels of risk in this last little period, which is pretty cool to see because normally in high growth, I would have expected it to be down four or five.\n\nChannel 1: Yep. Yep. I would I would have expected the same thing, actually, to be honest with you. When I looked at my super, I expected to have lost, you know, twenty or thirty thousand. That's\n\nChannel 0: Yeah.\n\nChannel 1: what I had in my head. When I looked at it, I was like, oh, thank Christ.\n\nChannel 0: Yep. So there's actually four points I wanna touch on then. The second one is when we build a portfolio for you, there's about seven or eight options in there, and they give you different exposures, different areas. Australian shares, international gold property, different sectors, and so on.\n\nChannel 1: Yep.\n\nChannel 0: If we ever get to a point where any one of those options is not doing what it should, we tend to replace it within a year or two. An example\n\nChannel 1: Yeah.\n\nChannel 0: of\n\nChannel 1: Right.\n\nChannel 0: that was there was this spend a long fund that a lot of clients were in because they were, like, the top performing fund manager for five, ten years. All the Australian share managers doing pretty similar to the Australian market, some of them a bit higher, some of them a bit lower. But when you notice one fund manager shoot off in the opposite direction that everyone else is doing and the opposite direction of the pack and the market, that's a red flag to say, hey. That's not doing what it should do, and we replace that for the clients.\n\nChannel 1: Right. So you guys are watching this stuff very carefully for for your customers. Yeah?\n\nChannel 0: Now to two different degrees, We watch\n\nChannel 1: Yeah.\n\nChannel 0: if the fund's behaving the way it should. And if there's a major issue, we flag it. We get on top of it. We don't day trade people super and go, oh my god. I reckon the stock market is about to crash further, so we're gonna pull all your money out to cash.\n\nAnd then a month later, I'll put it back in because no one can time the market when it's gonna go up, when it's gonna actually go down. Even though we can all see the writing on the wall, timing it is practically impossible.\n\nChannel 1: Yep.\n\nChannel 0: We are watching it. We do review it regularly. That's why when you come on board, we like to have that three monthly catch up to start with just to say, hey. How's everything going? There's nothing to worry about.\n\nThere is something to worry about. We can talk about it. And then\n\nChannel 1: Yep.\n\nChannel 0: when we do annual reviews, we may update your portfolio, change an option, change five, change eight, depends on what you need.\n\nChannel 1: Yep.\n\nChannel 0: So, yes, it's behaving kind of the way I would want it to do. That's number one. And I look back at the last sort of twelve months, three years, it's returned ten percent the last twelve months even with the market going down a bit. So that's above that 10% you're aiming for for your high growth risk profile, and it's something like 18% the last three years, which is well above expectations. So that's good.\n\nThe problem that you're gonna face is that in between now and age 67, let's call it fourteen years to grow your super and protect it, you're probably gonna go through I don't wanna use too much jargon, but you're gonna go through two market cycles, which are on average about seven years, where the stock market goes up and then it crashes and it goes up and then it crashes. So your portfolio, what it's supposed to do is if the stock market dips and your contributions are going in, it can buy all those shares and property for a cheaper price. Like, you haven't lost it unless you sell it. And then\n\nChannel 1: Yep.\n\nChannel 0: when the market goes up for five years straight, all of that surges up and you get those really high returns, fifteen, twenty, 30%, and it will average out over seven years. So that's actually the plan for your super for the next fourteen years is to ride through two cycles, not three, four, or five. Two cycles.\n\nChannel 1: So you've\n\nChannel 0: The\n\nChannel 1: already\n\nChannel 0: second\n\nChannel 1: taken this into account.\n\nChannel 0: yes.\n\nChannel 1: Alright.\n\nChannel 0: That's\n\nChannel 1: Okay.\n\nChannel 0: why we say the average is 10% because some years you're up 50, some years you're down 30. That's\n\nChannel 1: Yep.\n\nChannel 0: once every seven years it actually crashes pretty heavily, and we just use that as a buying opportunity. Seven years of growth, and then for that last cycle, we're gonna slowly reduce your risk level down for the last seven years. So instead of 90% shares in property, we'll trim you down to eighty, seventy, sixty, fifty, forty, and there you are, eight sixty seven. It's nice and safe and conservative. You've got your 500,000, your 800,000, whatever it is, and we can set you up into a pension account.\n\nYou can live off.\n\nChannel 1: Right. Okay.\n\nChannel 0: Does that sort of make sense?\n\nChannel 1: It does make sense.\n\nChannel 0: Now being realistic, because I don't wanna give you unrealistic expectations, is what could very well happen. Now I'll give you the most extreme case. Let's say COVID happens again, stock market just completely plummets, and then it goes back up for five years. Your 02/20 could go to one sixty and then be up to three fifty five years later.\n\nChannel 1: Yep.\n\nChannel 0: I see that happening all the time pretty regularly, and it gets people to where they need to go. So part of those reviews that we do is we go, okay. This is great. Looks great on paper. As you go through this, if this happens and you're not comfortable with it, we may need to change the way it's invested.\n\nMaybe trim down the risk a little bit, put a bit more of contributions in, or even just\n\nChannel 1: Yes.\n\nChannel 0: change the style of the investments. Maybe we don't use these low fee ETFs. Maybe we pay a little bit higher investment fees for something that's a bit more actively managed. Like, we we kind of tailor it regularly depending on how you change and how the markets change.\n\nChannel 1: Yeah. Right. Okay.\n\nChannel 0: Yep. But what I want to say is that kind of expected after Christmas all of this to kind of happen, and we look at it in two different ways. We go, okay. Every two or three years, there's something called a correction where the markets go down five to 15%. Lovely.\n\nBuying opportunity, buy the dip, buy low to sell high. Every\n\nChannel 1: Yep.\n\nChannel 0: seven years, eight years, there's a crash. You've been through them before. It ranges from 20 to 50%, and that's a global financial crisis, a GFC, something like that. The aim for yours is, let's say the market crash is 40, but yours is only down 32, and you get to buy everything nice and cheap, and then it surges up 50% when the market goes up 40, you're gonna be ahead after that seven years.\n\nChannel 1: Yep. Okay.\n\nChannel 0: K? Now I don't wanna sit there and say, hey. We're gonna charge you a fee. We're not gonna do anything, and you just have to watch it go up and down like crazy. Or I just wanna give you those expectations of this is kind of what we want to happen to get you to that retirement goal.\n\nChannel 1: True story. Alright.\n\nChannel 0: K? Now I take it pretty seriously because, obviously, my parents are invested in super. Look after those guys,\n\nChannel 1: Yes.\n\nChannel 0: Grandparents, aunts, uncles, friends, everybody like that. And this period in your fifties and sixties is the serious point because you got $30 in super and you're 33 years old. It goes up and down 10%. It goes up and down $3. But for\n\nChannel 1: Yeah.\n\nChannel 0: you, a 10% up or down is 22,000, 50\n\nChannel 1: Yep.\n\nChannel 0: thousand. It's a it's a lot bigger in a dollar value, but all the returns are percentage based.\n\nChannel 1: Alright. You're making me feel a lot more comfortable about it.\n\nChannel 0: I'm definitely hoping so because we want you to go into this and be like, look. We've charged you to set all this up, and we've put you into this, which we think suits you. And if we've done a poor job and put you in something that does not suit you, then I wanna fix that. But if you're like, look. This makes sense.\n\nI can kind of go through this a little bit. That's fine. If there's any major issues, we will make changes with you. And if it gets too bad, we'll do what we need to do for you as well.\n\nChannel 1: That's all I wanted to hear, mate. That's all I\n\nChannel 0: Cool.\n\nChannel 1: wanted to hear.\n\nChannel 0: K. Now I would probably recommend don't stare at your super on a daily basis this year because there are wars breaking out and oil crises, and it's looking crazy. And what most people do is, like, they ignore their super for, like, ten, twenty years, and it's just going up and down in the background. They never even notice.\n\nChannel 1: Yeah.\n\nChannel 0: And then they jump into something. You've paid a couple of grand for it. Let me have a watch of it, and it's just going up and down. They're just freaking out. Like, don't stress yourself out because our job is to watch it.\n\nChannel 1: Yep.\n\nChannel 0: Definitely check it. Definitely log in. Maybe monthly, quarterly, that kind of thing. We'll send you some quarterly reports and everything. But if\n\nChannel 1: Yep.\n\nChannel 0: every time the news pops up and Trump says something, the stock market dips and your super dips, you don't need to be tying that in to your life when you've got things to worry about with work and other things to focus on.\n\nChannel 1: No. You're exactly right. You're exactly right.\n\nChannel 0: Now that's not to say that I I don't particularly enjoy watching people super go down because, obviously, we're linked to our clients. The better you do, the better we do, and we want everyone to be going up and hitting their goals so we can have good conversations and say, look, we knocked the lights out. You're doing fantastic. You're on the app. Everything's good.\n\nBut at the same time, we're trying to avoid doing anything to, like, knee jerk reaction where the news pops up and we start chopping and changing things all the time.\n\nChannel 1: No. I did actually think that, but I was just like, man, this is just insane. Like, this was just escalating, you know?\n\nChannel 0: Yeah,\n\nChannel 1: And then\n\nChannel 0: mate.\n\nChannel 1: you say\n\nChannel 0: Well\n\nChannel 1: that you you watch the news and you look at the stock markets and you're like, oh, man. Wow.\n\nChannel 0: see, my first introduction to it, right, was I was in school when September 11 happened, and then I graduated high school when the GFC happened. And I had just gotten into an interest into personal finance and reading books and looking at the stock market when the whole world wiped out 60% of the stock market. People lost their homes and jobs and all this kind of thing. And then since then, there's just always been something happening every three to five years. There's a crisis\n\nChannel 1: Yeah.\n\nChannel 0: in China. There's a crisis in Greece with the banking system. There's COVID. Now all of a sudden, there's wars breaking out. Like, this this thing just keeps repeating itself.\n\nWe're just trying to make sure that you're buying, like, the good investments that you can compared to the ones next year. If you can drop a little bit less than the guy next year, if you can grow a little bit quicker than the guy next year and get to that goal, that's great. But we can't, like, control the weather. You know what I mean? We've put you in a sports car.\n\nIt's gonna rain. It's gonna storm. You're gonna slip off the road, and then when you get back on the road, you're going 200 k's an hour again.\n\nChannel 1: What a really good analogy.\n\nChannel 0: I love my analogies. The the team hates it. I sit there and draw the whiteboard up, and I'm drawing trees and houses. And, you know, my favorite one? At\n\nChannel 1: What's\n\nChannel 0: least\n\nChannel 1: that?\n\nChannel 0: my favorite one is if you have a house that's worth $500,000 and then you found out that it's now worth $400,000, would you rush off to go and sell it and lose a $100? Or do you go, I'll get an investment property or two or three, and then when it goes up, I've got four houses that are all up to $800?\n\nChannel 1: Yeah. Good point. Very good analogy. Very\n\nChannel 0: That's\n\nChannel 1: good analogy.\n\nChannel 0: what we'd like to do. But once you've gotten closer to that point that you need to protect what you've got, we're gonna get out of the properties and the houses and the stocks and go into some safer assets, bit more term deposits, bonds,\n\nChannel 1: Yep.\n\nChannel 0: fixed interest, and get a little bit of growth to fund your retirement, but protect it more so.\n\nChannel 1: No. Very good. Very good. You've\n\nChannel 0: Cool.\n\nChannel 1: you've put me at ease in a big way, mate. Big way.\n\nChannel 0: Awesome. I I really appreciate hearing that. And at any point, if there's anything concerning you wanna call up, go for it. If we have a discussion and there's anything major that we're flagging as an issue, we will do some changes. But\n\nChannel 1: Yep.\n\nChannel 0: don't hesitate to talk to us because that's what we're here for.\n\nChannel 1: You you guys have got a pretty good business model. You're very customer focused, aren't you?\n\nChannel 0: Yeah. Actually, that's kind of what drove me to OQUE. Two things drew me here. I've been doing this for twelve years now, and client first is something that everyone talks about in business, but these guys, there's a pretty big focus on actually talking to people like they're people, not just pretending like you're part of the CBA bank or a robot.\n\nChannel 1: Yeah.\n\nChannel 0: And the other thing is Oatvue is pretty well, like, self licensed. We're not tied to recommending a bank's products because we're linked to CBA or NAB or Westpac. So we've got a lot of freedom in what we do for clients with restrictions and frameworks, of course. But these guys said, look. We need a senior adviser.\n\nCan you come in here? You can give any advice you like and just look after the clients. We've built this business. We've built these clients. Can you come in and look after them?\n\nAnd I said, yeah. Absolutely. I'll I'll spend a few years training advisers, about 50 of them, and then thought, oh, I kinda miss talking to people and giving advice. I wanna get back on the tools a little bit.\n\nChannel 1: You're right. So I just sort of see myself as a little fish in a big pond, and you've still made me feel like a valued customer. I do appreciate that. I appreciate you calling me.\n\nChannel 0: No worries at all. That that warms the heart. And to be honest, mate, we don't see easy little fish. We we see you as just the same as anybody else, whether it's they've got $800, 50, or 200. At the end of the day, you're a person that we've charged to do a service for, and we treat everyone the same way.\n\nChannel 1: Very good. Thank you, Tommy.\n\nChannel 0: Cool.\n\nChannel 1: Appreciate it.\n\nChannel 0: That's alright. Is there anything else I can help you with?\n\nChannel 1: No. It's all good. It's all good. I'll I'll hear from from one of you guys, I guess, in three months for another\n\nChannel 0: Yeah?\n\nChannel 1: quarterly\n\nChannel 0: Yep.\n\nChannel 1: review. Yeah? Yep.\n\nChannel 0: I will have a look at a couple of quick little things before I let you go. Yes. Another quarterly review in a few months' time. We do have your contributions coming in from Fruh Food International. So\n\nChannel 1: Yep.\n\nChannel 0: one of the good things is, again, they come in monthly, quarterly, and so on to buy these investments. We will send you out a little pack for our next catch up, and then, again, pretty deep dive when we do the annual review.\n\nChannel 1: Fantastic.\n\nChannel 0: Awesome,\n\nChannel 1: Okay,\n\nChannel 0: mate.\n\nChannel 1: Tommy. Thank you very much.\n\nChannel 0: You have a fantastic week. I will just send you a usual customer service message through to your phone. Anything\n\nChannel 1: Yep.\n\nChannel 0: else, mate, just give us a buzz back, but I've put down some file notes on your account so the team know.\n\nChannel 1: Really, really appreciate it, mate. Thank you.\n\nChannel 0: Awesome, man. You take care, and I'll talk to you soon.\n\nChannel 1: No worries, mate. Have a beautiful night. Bye.\n\nChannel 0: Thanks, Lee. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.4399999,"end":1.92,"sentiment":"neutral","sentiment_score":0.012812769040465357},{"text":"Lee speaking.","start":1.92,"end":2.6599998,"sentiment":"neutral","sentiment_score":0.014804160688072443}],"sentiment":"neutral","sentiment_score":0.014140363472203413,"channel":1,"num_words":3,"start":1.4399999,"end":2.6599998},{"sentences":[{"text":"Hey, Leith.","start":3.04,"end":3.76,"sentiment":"neutral","sentiment_score":0.06887691840529442}],"sentiment":"neutral","sentiment_score":0.06887691840529442,"channel":0,"num_words":2,"start":3.04,"end":3.76},{"sentences":[{"text":"Hi.","start":3.52,"end":4.02,"sentiment":"neutral","sentiment_score":0.1136569157242775}],"sentiment":"neutral","sentiment_score":0.1136569157242775,"channel":1,"num_words":1,"start":3.52,"end":4.02},{"sentences":[{"text":"It is Tommy here, senior adviser from Oakview Financial.","start":3.76,"end":6.48,"sentiment":"neutral","sentiment_score":0.10736659831470913},{"text":"How are you doing, mate?","start":6.48,"end":7.54,"sentiment":"neutral","sentiment_score":0.1613651394844055}],"sentiment":"neutral","sentiment_score":0.1266517915896007,"channel":0,"num_words":14,"start":3.76,"end":7.54},{"sentences":[{"text":"Good, mate.","start":7.9199996,"end":8.48,"sentiment":"positive","sentiment_score":0.43269236385822296},{"text":"How are you?","start":8.48,"end":9.38,"sentiment":"neutral","sentiment_score":0.32948122421900433}],"sentiment":"positive","sentiment_score":0.3707656800746918,"channel":1,"num_words":5,"start":7.9199996,"end":9.38},{"sentences":[{"text":"Living the dream so far.","start":9.599999,"end":10.8,"sentiment":"positive","sentiment_score":0.5577904582023621},{"text":"It's been a fantastic midweek.","start":10.8,"end":12.48,"sentiment":"positive","sentiment_score":0.7333789229393005},{"text":"Your 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drama?","start":28.439999,"end":34.379997,"sentiment":"neutral","sentiment_score":-0.08029572501778602}],"sentiment":"neutral","sentiment_score":-0.0777499766017382,"channel":0,"num_words":26,"start":27.88,"end":34.379997},{"sentences":[{"text":"Yeah.","start":35.690002,"end":36.170002,"sentiment":"neutral","sentiment_score":-0.08452299237251282},{"text":"Lots of drama in my life and my work life, mate.","start":36.170002,"end":39.39,"sentiment":"neutral","sentiment_score":-0.12188008021224629},{"text":"I'm","start":40.815002,"end":41.315002,"sentiment":"neutral","sentiment_score":-0.06256002187728882}],"sentiment":"neutral","sentiment_score":-0.11444337666034698,"channel":1,"num_words":13,"start":35.690002,"end":41.315002},{"sentences":[{"text":"Well","start":41.094997,"end":41.415,"sentiment":"neutral","sentiment_score":-0.06086618453264237}],"sentiment":"neutral","sentiment_score":-0.06086618453264237,"channel":0,"num_words":1,"start":41.094997,"end":41.415},{"sentences":[{"text":"a manager I'm a safety manager for an abattoir.","start":41.535,"end":44.755,"sentiment":"neutral","sentiment_score":-0.07807936271031697},{"text":"So you can imagine","start":45.135002,"end":46.275,"sentiment":"neutral","sentiment_score":-0.08718547783792019}],"sentiment":"neutral","sentiment_score":-0.08088124428804104,"channel":1,"num_words":13,"start":41.535,"end":46.275},{"sentences":[{"text":"Uh-huh.","start":46.135,"end":46.635,"sentiment":"neutral","sentiment_score":-0.17390994727611542}],"sentiment":"neutral","sentiment_score":-0.17390994727611542,"channel":0,"num_words":1,"start":46.135,"end":46.635},{"sentences":[{"text":"that's sort of things that are designed to cut up everything we're made of.","start":46.335,"end":50.895,"sentiment":"neutral","sentiment_score":-0.2863647448165076},{"text":"And to be honest, it's terrifying.","start":50.895,"end":54.05,"sentiment":"neutral","sentiment_score":-0.2878658225138982}],"sentiment":"neutral","sentiment_score":-0.28681506812572477,"channel":1,"num_words":20,"start":46.335,"end":54.05},{"sentences":[{"text":"And do people behave in a way that you think just defies common sense?","start":55.269997,"end":59.129997,"sentiment":"neutral","sentiment_score":-0.26017946537051884}],"sentiment":"neutral","sentiment_score":-0.26017946537051884,"channel":0,"num_words":14,"start":55.269997,"end":59.129997},{"sentences":[{"text":"Absolutely.","start":59.71,"end":60.21,"sentiment":"neutral","sentiment_score":0.015542244538664818},{"text":"Absolutely.","start":61.07,"end":61.57,"sentiment":"neutral","sentiment_score":0.040330469608306885},{"text":"I'm an old fellow, mate.","start":63.63,"end":64.91,"sentiment":"neutral","sentiment_score":-0.010536216944456101},{"text":"So I I I think common sense was just a long, long time ago.","start":64.91,"end":68.805,"sentiment":"neutral","sentiment_score":-0.02690149444554533},{"text":"I'm pretty sure I was still a young fellow when it all went out the window.","start":68.805,"end":73.225,"sentiment":"neutral","sentiment_score":-0.03563608002150431}],"sentiment":"neutral","sentiment_score":-0.02550288035559493,"channel":1,"num_words":37,"start":59.71,"end":73.225},{"sentences":[{"text":"Yeah, mate.","start":75.25,"end":75.89,"sentiment":"neutral","sentiment_score":0.02819915022701025},{"text":"My dad says the same thing, mate.","start":75.89,"end":77.329994,"sentiment":"neutral","sentiment_score":0.016803238274795667},{"text":"I'm with you.","start":77.329994,"end":77.89,"sentiment":"neutral","sentiment_score":0.07243178288141887},{"text":"I'm with you.","start":77.89,"end":78.71,"sentiment":"neutral","sentiment_score":0.07366332411766052},{"text":"Mate, I had you booked in for a bit of a catch up around the super 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'72.","start":111.56,"end":113.899994,"sentiment":"neutral","sentiment_score":0.011059249751269817}],"sentiment":"neutral","sentiment_score":0.011059249751269817,"channel":1,"num_words":2,"start":111.56,"end":113.899994},{"sentences":[{"text":"Mhmm.","start":114.17,"end":114.67,"sentiment":"neutral","sentiment_score":0.01311570405960083}],"sentiment":"neutral","sentiment_score":0.01311570405960083,"channel":0,"num_words":1,"start":114.17,"end":114.67},{"sentences":[{"text":"The address is Number 2 Dawson Street, Ararat, Victoria.","start":114.52,"end":118.06,"sentiment":"neutral","sentiment_score":0.024926004103488393}],"sentiment":"neutral","sentiment_score":0.024926004103488393,"channel":1,"num_words":9,"start":114.52,"end":118.06},{"sentences":[{"text":"Perfect.","start":119.225,"end":119.725,"sentiment":"positive","sentiment_score":0.343135803937912},{"text":"Thank you so much for that.","start":119.945,"end":121.485,"sentiment":"positive","sentiment_score":0.4559626877307892},{"text":"And that is postcode 3377?","start":121.785,"end":125.645004,"sentiment":"neutral","sentiment_score":0.16366564631462097}],"sentiment":"neutral","sentiment_score":0.3247700134913127,"channel":0,"num_words":12,"start":119.225,"end":125.645004},{"sentences":[{"text":"Correct.","start":126.225006,"end":126.725006,"sentiment":"neutral","sentiment_score":0.1128864586353302}],"sentiment":"neutral","sentiment_score":0.1128864586353302,"channel":1,"num_words":1,"start":126.225006,"end":126.725006},{"sentences":[{"text":"K.","start":127.72,"end":128.22,"sentiment":"neutral","sentiment_score":0.10700029879808426},{"text":"Let me just perfect, mate.","start":128.6,"end":133.96,"sentiment":"neutral","sentiment_score":0.27179339826107024},{"text":"Thank you so much for that.","start":133.96,"end":135.42,"sentiment":"positive","sentiment_score":0.5205307230353355},{"text":"Now I've got a few 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and I lost I lost a a great deal of super back in the nineties through a financial crash, I believe it was.","start":152.63,"end":168.41501,"sentiment":"neutral","sentiment_score":-0.18921944445797376},{"text":"I can't remember what year it was, but it was bad.","start":168.41501,"end":171.18999,"sentiment":"neutral","sentiment_score":-0.31570376591248944},{"text":"I lost about half of my super, I think it was.","start":171.18999,"end":174.89,"sentiment":"negative","sentiment_score":-0.44806505875153974}],"sentiment":"neutral","sentiment_score":-0.26358136188304215,"channel":1,"num_words":57,"start":152.63,"end":174.89},{"sentences":[{"text":"You would have seen quite a few circumstances.","start":175.245,"end":178.065,"sentiment":"neutral","sentiment_score":-0.28086863085627556},{"text":"You would have seen global financial crisis in 2008, 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you.","start":226.735,"end":227.47499,"sentiment":"neutral","sentiment_score":-0.11099164932966232}],"sentiment":"neutral","sentiment_score":-0.11099164932966232,"channel":0,"num_words":2,"start":226.735,"end":227.47499},{"sentences":[{"text":"So I'm just, like, I'm still just nervous, mate.","start":227.98,"end":233.26001,"sentiment":"neutral","sentiment_score":-0.28642449114057755},{"text":"That's all.","start":233.26001,"end":234.08,"sentiment":"neutral","sentiment_score":-0.26286788284778595}],"sentiment":"neutral","sentiment_score":-0.28214147145097906,"channel":1,"num_words":11,"start":227.98,"end":234.08},{"sentences":[{"text":"Yeah.","start":234.59,"end":234.91,"sentiment":"neutral","sentiment_score":0.038819096982479095},{"text":"I can imagine.","start":234.91,"end":235.79,"sentiment":"neutral","sentiment_score":0.09152535845836003},{"text":"I can imagine.","start":235.79,"end":236.51,"sentiment":"neutral","sentiment_score":0.14537426829338074},{"text":"And that's one of the things that I try and tell a lot of the younger clients that come on board in their thirties and forties saying, why you've got the time ahead of you, it's all well and good to take on a lot of risk and try and grow you super quickly so you can retire earlier.","start":236.51,"end":250.555,"sentiment":"neutral","sentiment_score":0.24274673136109012},{"text":"That last ten to fifteen year period is kind of a a crunch period.","start":250.935,"end":255.415,"sentiment":"negative","sentiment_score":-0.5148150473833084}],"sentiment":"neutral","sentiment_score":0.09830205580219627,"channel":0,"num_words":80,"start":234.59,"end":255.415},{"sentences":[{"text":"Right?","start":255.415,"end":255.655,"sentiment":"neutral","sentiment_score":-0.11732105910778046},{"text":"Because you're trying to get the growth to get you to the final figure that you need, but at the same time, you're then trying to protect what you've built because you don't wanna be 66, lose half your super year before you retire because the stock market's crashed.","start":255.655,"end":268.86002,"sentiment":"neutral","sentiment_score":-0.010392613328841269},{"text":"So it's","start":269.16498,"end":269.745,"sentiment":"neutral","sentiment_score":0.03376471996307373}],"sentiment":"neutral","sentiment_score":-0.010750570621054906,"channel":0,"num_words":52,"start":255.415,"end":269.745},{"sentences":[{"text":"Yes.","start":269.555,"end":270.055,"sentiment":"neutral","sentiment_score":0.11480222642421722}],"sentiment":"neutral","sentiment_score":0.11480222642421722,"channel":1,"num_words":1,"start":269.555,"end":270.055},{"sentences":[{"text":"this strange balancing act where you you tend to grow your super for, say, five to ten years depending on your risk level, and then you","start":270.125,"end":277.88498,"sentiment":"neutral","sentiment_score":0.11157763176239453}],"sentiment":"neutral","sentiment_score":0.11157763176239453,"channel":0,"num_words":26,"start":270.125,"end":277.88498},{"sentences":[{"text":"Mhmm.","start":277.875,"end":278.375,"sentiment":"neutral","sentiment_score":0.04936154931783676}],"sentiment":"neutral","sentiment_score":0.04936154931783676,"channel":1,"num_words":1,"start":277.875,"end":278.375},{"sentences":[{"text":"need to start protecting it gradually as you get closer to retirement.","start":277.88498,"end":281.425,"sentiment":"neutral","sentiment_score":0.07169674305866162},{"text":"So, obviously,","start":281.62997,"end":282.37,"sentiment":"neutral","sentiment_score":0.15230312943458557}],"sentiment":"neutral","sentiment_score":0.08321194111236505,"channel":0,"num_words":14,"start":277.88498,"end":282.37},{"sentences":[{"text":"Yep.","start":282.12,"end":282.62,"sentiment":"neutral","sentiment_score":0.2072971761226654}],"sentiment":"neutral","sentiment_score":0.2072971761226654,"channel":1,"num_words":1,"start":282.12,"end":282.62},{"sentences":[{"text":"we've recommended for you to go into a high growth investment with a lot of","start":282.83,"end":286.66998,"sentiment":"neutral","sentiment_score":0.2808716396490733}],"sentiment":"neutral","sentiment_score":0.2808716396490733,"channel":0,"num_words":15,"start":282.83,"end":286.66998},{"sentences":[{"text":"Yep.","start":286.44,"end":286.94,"sentiment":"neutral","sentiment_score":0.1969347894191742}],"sentiment":"neutral","sentiment_score":0.1969347894191742,"channel":1,"num_words":1,"start":286.44,"end":286.94},{"sentences":[{"text":"passive ETFs, which is pretty rollercoaster y.","start":286.66998,"end":290.50998,"sentiment":"neutral","sentiment_score":0.15464940880026137},{"text":"I'm not gonna lie.","start":290.50998,"end":291.56998,"sentiment":"neutral","sentiment_score":-0.11761198751628399},{"text":"And then, obviously, Christmas happens, the world starts going crazy again, stock market starts going up and down, and it could very well have a nice solid crash this year, and that's","start":291.71,"end":302.54498,"sentiment":"negative","sentiment_score":-0.422595321200788}],"sentiment":"neutral","sentiment_score":-0.30025470620670985,"channel":0,"num_words":43,"start":286.66998,"end":302.54498},{"sentences":[{"text":"Yep.","start":302.525,"end":303.025,"sentiment":"neutral","sentiment_score":-0.09862495958805084}],"sentiment":"neutral","sentiment_score":-0.09862495958805084,"channel":1,"num_words":1,"start":302.525,"end":303.025},{"sentences":[{"text":"what's concerned you.","start":302.54498,"end":303.76498,"sentiment":"neutral","sentiment_score":-0.15742817521095276}],"sentiment":"neutral","sentiment_score":-0.15742817521095276,"channel":0,"num_words":3,"start":302.54498,"end":303.76498},{"sentences":[{"text":"Yes.","start":304.205,"end":304.605,"sentiment":"neutral","sentiment_score":-0.06586585938930511},{"text":"That's pretty much it, man.","start":304.605,"end":305.885,"sentiment":"neutral","sentiment_score":-0.14634630978107452},{"text":"I","start":305.885,"end":306.385,"sentiment":"neutral","sentiment_score":-0.08812684565782547}],"sentiment":"neutral","sentiment_score":-0.12653203627892903,"channel":1,"num_words":7,"start":304.205,"end":306.385},{"sentences":[{"text":"Yeah.","start":306.22498,"end":306.72498,"sentiment":"neutral","sentiment_score":-0.0965157300233841}],"sentiment":"neutral","sentiment_score":-0.0965157300233841,"channel":0,"num_words":1,"start":306.22498,"end":306.72498},{"sentences":[{"text":"I just don't wanna see you know, look, I feel that at my age, I should have more super than what I've got.","start":306.57,"end":314.81,"sentiment":"neutral","sentiment_score":-0.2757750995781111},{"text":"I've got 220 k sitting in there at the moment.","start":314.81,"end":317.53,"sentiment":"neutral","sentiment_score":-0.158808396756649},{"text":"It was about two thirty, two thirty five, I think.","start":317.53,"end":320.325,"sentiment":"neutral","sentiment_score":-0.14644813761115075}],"sentiment":"neutral","sentiment_score":-0.21849750311568725,"channel":1,"num_words":43,"start":306.57,"end":320.325},{"sentences":[{"text":"Yep.","start":320.815,"end":321.315,"sentiment":"neutral","sentiment_score":-0.11923174560070038}],"sentiment":"neutral","sentiment_score":-0.11923174560070038,"channel":0,"num_words":1,"start":320.815,"end":321.315},{"sentences":[{"text":"I just don't wanna end up going far out, man.","start":321.765,"end":325.52502,"sentiment":"negative","sentiment_score":-0.4777530074119568},{"text":"Like, I've lost half of it.","start":325.52502,"end":327.20502,"sentiment":"negative","sentiment_score":-0.5380881428718567},{"text":"Like, I've gotta build it again.","start":327.20502,"end":328.725,"sentiment":"negative","sentiment_score":-0.3865329921245575},{"text":"Do you know what I mean?","start":328.725,"end":329.945,"sentiment":"neutral","sentiment_score":-0.15185673038164774}],"sentiment":"negative","sentiment_score":-0.40129990237099783,"channel":1,"num_words":28,"start":321.765,"end":329.945},{"sentences":[{"text":"Yeah.","start":330.095,"end":330.595,"sentiment":"neutral","sentiment_score":-0.10751906037330627}],"sentiment":"neutral","sentiment_score":-0.10751906037330627,"channel":0,"num_words":1,"start":330.095,"end":330.595},{"sentences":[{"text":"All I'm looking for is advice from you.","start":332.81998,"end":336.68,"sentiment":"neutral","sentiment_score":-0.05166603717952967},{"text":"I don't wanna leave you guys.","start":337.46,"end":339.08,"sentiment":"neutral","sentiment_score":-0.1329935664931933},{"text":"Right?","start":339.37997,"end":339.87997,"sentiment":"neutral","sentiment_score":-0.014524132013320925},{"text":"But that's not what I'm talking about.","start":340.34,"end":342.36,"sentiment":"neutral","sentiment_score":-0.13088233023881912},{"text":"I just need some reassurances from you guys that whilst you can't I I expect there will be dips and there will be highs.","start":343.13998,"end":354.375,"sentiment":"neutral","sentiment_score":-0.09122467460110784}],"sentiment":"neutral","sentiment_score":-0.09416048544580521,"channel":1,"num_words":46,"start":332.81998,"end":354.375},{"sentences":[{"text":"Just need some assurances that won't be, you know, devastating for me.","start":355.79498,"end":361.415,"sentiment":"neutral","sentiment_score":-0.21981649845838547}],"sentiment":"neutral","sentiment_score":-0.21981649845838547,"channel":1,"num_words":12,"start":355.79498,"end":361.415},{"sentences":[{"text":"Yeah.","start":361.74,"end":362.22,"sentiment":"neutral","sentiment_score":-0.0030850544571876526},{"text":"So let let me go through three main points with you because","start":362.22,"end":366.24,"sentiment":"neutral","sentiment_score":0.017448720522224903}],"sentiment":"neutral","sentiment_score":0.015869199369962398,"channel":0,"num_words":13,"start":361.74,"end":366.24},{"sentences":[{"text":"Yeah.","start":366.22,"end":366.72,"sentiment":"neutral","sentiment_score":-0.013483811169862747}],"sentiment":"neutral","sentiment_score":-0.013483811169862747,"channel":1,"num_words":1,"start":366.22,"end":366.72},{"sentences":[{"text":"expectations are really important because you need to know how your super is gonna behave.","start":366.54,"end":370.88,"sentiment":"neutral","sentiment_score":-0.11788260986407598},{"text":"And","start":371.07498,"end":371.235,"sentiment":"neutral","sentiment_score":-0.17830048501491547}],"sentiment":"neutral","sentiment_score":-0.12165872706100345,"channel":0,"num_words":16,"start":366.54,"end":371.235},{"sentences":[{"text":"Yep.","start":371.18,"end":371.68,"sentiment":"neutral","sentiment_score":-0.2131425142288208}],"sentiment":"neutral","sentiment_score":-0.2131425142288208,"channel":1,"num_words":1,"start":371.18,"end":371.68},{"sentences":[{"text":"if it behaves outside of what you expect, then there's a problem.","start":371.235,"end":375.01498,"sentiment":"negative","sentiment_score":-0.448817474146684}],"sentiment":"negative","sentiment_score":-0.448817474146684,"channel":0,"num_words":12,"start":371.235,"end":375.01498},{"sentences":[{"text":"Yep.","start":375.5,"end":376.0,"sentiment":"neutral","sentiment_score":-0.07607714086771011}],"sentiment":"neutral","sentiment_score":-0.07607714086771011,"channel":1,"num_words":1,"start":375.5,"end":376.0},{"sentences":[{"text":"K?","start":376.35498,"end":376.755,"sentiment":"neutral","sentiment_score":-0.09881807118654252},{"text":"So first thing I I wanna just sort of touch on is you moved from, like, a a balanced funds with that Australian super up into a high growth fund that we've built for you.","start":376.755,"end":386.97,"sentiment":"neutral","sentiment_score":0.18231273272207804}],"sentiment":"neutral","sentiment_score":0.17450354372461638,"channel":0,"num_words":36,"start":376.35498,"end":386.97},{"sentences":[{"text":"Yep.","start":387.405,"end":387.905,"sentiment":"neutral","sentiment_score":0.22422724962234497}],"sentiment":"neutral","sentiment_score":0.22422724962234497,"channel":1,"num_words":1,"start":387.405,"end":387.905},{"sentences":[{"text":"So you've gone from a risk level of three out of five up to five out of five to get that extra growth.","start":387.85,"end":392.09,"sentiment":"neutral","sentiment_score":0.01594522530617921},{"text":"Right?","start":392.09,"end":392.33,"sentiment":"neutral","sentiment_score":0.10960130393505096},{"text":"That's kind of point number one.","start":392.33,"end":394.19,"sentiment":"neutral","sentiment_score":0.1482449546456337}],"sentiment":"neutral","sentiment_score":0.04552704046169917,"channel":0,"num_words":30,"start":387.85,"end":394.19},{"sentences":[{"text":"Yep.","start":394.62,"end":395.12,"sentiment":"neutral","sentiment_score":0.25247639417648315}],"sentiment":"neutral","sentiment_score":0.25247639417648315,"channel":1,"num_words":1,"start":394.62,"end":395.12},{"sentences":[{"text":"One thing that's kind of reassuring to see is that because the market's kind of dropped three to 5% in the last month, which is decently quick, that that can be quite sharp compared to what normally happens in a month on the stock market.","start":395.21,"end":408.545,"sentiment":"neutral","sentiment_score":0.06907736476924685},{"text":"I was looking in a, like, a side by side.","start":409.165,"end":411.825,"sentiment":"neutral","sentiment_score":-0.008113905880600214},{"text":"And your high growth fund, you're expecting it to be more volatile because it's more aggressive.","start":412.045,"end":416.14502,"sentiment":"neutral","sentiment_score":-0.019931245129555464},{"text":"You've got more shares.","start":416.25,"end":416.97,"sentiment":"neutral","sentiment_score":0.09034850262105465},{"text":"You've got more property.","start":416.97,"end":417.85,"sentiment":"neutral","sentiment_score":0.07918220944702625}],"sentiment":"neutral","sentiment_score":0.0428679149621461,"channel":0,"num_words":79,"start":395.21,"end":417.85},{"sentences":[{"text":"You've got more gold.","start":417.85,"end":418.81,"sentiment":"neutral","sentiment_score":0.05774066783487797},{"text":"Does that sort of make sense?","start":418.81,"end":420.35,"sentiment":"neutral","sentiment_score":0.09771813762684663}],"sentiment":"neutral","sentiment_score":0.08172714971005916,"channel":0,"num_words":10,"start":417.85,"end":420.35},{"sentences":[{"text":"Yep.","start":420.54,"end":421.04,"sentiment":"neutral","sentiment_score":0.061463501304388046}],"sentiment":"neutral","sentiment_score":0.061463501304388046,"channel":1,"num_words":1,"start":420.54,"end":421.04},{"sentences":[{"text":"Now side by side, though, the Australian super option that you're in, that's kind of dropped 3% in the last month, and your high growth funds dropped, like, 3.5%.","start":421.53,"end":431.15,"sentiment":"neutral","sentiment_score":-0.19929950658617349},{"text":"So actually pretty similar levels of risk in this last little period, which is pretty cool to see because normally in high growth, I would have expected it to be down four or five.","start":431.41498,"end":441.595,"sentiment":"neutral","sentiment_score":-0.24183961004018784}],"sentiment":"neutral","sentiment_score":-0.22225765765659392,"channel":0,"num_words":63,"start":421.53,"end":441.595},{"sentences":[{"text":"Yep.","start":442.155,"end":442.55502,"sentiment":"neutral","sentiment_score":-0.0012575052678585052},{"text":"Yep.","start":442.55502,"end":443.05502,"sentiment":"neutral","sentiment_score":0.034251704812049866},{"text":"I would I would have expected the same thing, actually, to be honest with you.","start":443.11502,"end":446.78,"sentiment":"neutral","sentiment_score":-0.06519740944107373},{"text":"When I looked at my super, I expected to have lost, you know, twenty or thirty thousand.","start":446.78,"end":451.84,"sentiment":"neutral","sentiment_score":-0.22520098090171814},{"text":"That's","start":452.54,"end":452.78,"sentiment":"neutral","sentiment_score":-0.08889107406139374}],"sentiment":"neutral","sentiment_score":-0.1389221340417862,"channel":1,"num_words":35,"start":442.155,"end":452.78},{"sentences":[{"text":"Yeah.","start":452.55,"end":453.05,"sentiment":"neutral","sentiment_score":-0.02465936914086342}],"sentiment":"neutral","sentiment_score":-0.02465936914086342,"channel":0,"num_words":1,"start":452.55,"end":453.05},{"sentences":[{"text":"what I had in my head.","start":452.78,"end":454.08002,"sentiment":"neutral","sentiment_score":-0.05572680508097013},{"text":"When I looked at it, I was like, oh, thank Christ.","start":454.62,"end":457.52002,"sentiment":"neutral","sentiment_score":0.05954876372759992}],"sentiment":"neutral","sentiment_score":0.018863268853986963,"channel":1,"num_words":17,"start":452.78,"end":457.52002},{"sentences":[{"text":"Yep.","start":458.32498,"end":458.82498,"sentiment":"neutral","sentiment_score":0.12338124960660934},{"text":"So there's actually four points I wanna touch on then.","start":459.04498,"end":462.405,"sentiment":"neutral","sentiment_score":0.10786309242248535},{"text":"The second one is when we build a portfolio for you, there's about seven or eight options in there, and they give you different exposures, different areas.","start":462.405,"end":469.29,"sentiment":"neutral","sentiment_score":0.10310855507850647},{"text":"Australian shares, international gold property, different sectors, and so 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fund that a lot of clients were in because they were, like, the top performing fund manager for five, ten years.","start":483.905,"end":490.965,"sentiment":"neutral","sentiment_score":0.04983977931712208},{"text":"All the Australian share managers doing pretty similar to the Australian market, some of them a bit higher, some of them a bit lower.","start":491.985,"end":498.55,"sentiment":"neutral","sentiment_score":0.004770403262227774},{"text":"But when you notice one fund manager shoot off in the opposite direction that everyone else is doing and the opposite direction of the pack and the market, that's a red flag to say, hey.","start":498.55,"end":508.22998,"sentiment":"neutral","sentiment_score":-0.22123136318155698},{"text":"That's not doing what it should do, and we replace that for the clients.","start":508.22998,"end":512.005,"sentiment":"neutral","sentiment_score":-0.22250167280435562}],"sentiment":"neutral","sentiment_score":-0.09115958678554378,"channel":0,"num_words":102,"start":483.905,"end":512.005},{"sentences":[{"text":"Right.","start":514.24,"end":514.74,"sentiment":"neutral","sentiment_score":-0.02224694192409515},{"text":"So you guys are watching this stuff very carefully for for your customers.","start":514.8,"end":519.3,"sentiment":"neutral","sentiment_score":0.008536281493993906},{"text":"Yeah?","start":519.44,"end":519.94,"sentiment":"neutral","sentiment_score":0.01636139117181301}],"sentiment":"neutral","sentiment_score":0.007005740577975909,"channel":1,"num_words":15,"start":514.24,"end":519.94},{"sentences":[{"text":"Now to two different degrees, We 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god.","start":530.67,"end":533.63,"sentiment":"neutral","sentiment_score":-0.17450053109364075},{"text":"I reckon the stock market is about to crash further, so we're gonna pull all your money out to cash.","start":533.63,"end":538.005,"sentiment":"neutral","sentiment_score":-0.2818435214459896}],"sentiment":"neutral","sentiment_score":-0.150955738695942,"channel":0,"num_words":54,"start":523.95,"end":538.005},{"sentences":[{"text":"And then a month later, I'll put it back in because no one can time the market when it's gonna go up, when it's gonna actually go down.","start":538.005,"end":544.485,"sentiment":"neutral","sentiment_score":-0.13059801767979348},{"text":"Even though we can all see the writing on the wall, timing it is practically impossible.","start":544.485,"end":549.545,"sentiment":"neutral","sentiment_score":-0.16383816674351692}],"sentiment":"neutral","sentiment_score":-0.14268534461205656,"channel":0,"num_words":44,"start":538.005,"end":549.545},{"sentences":[{"text":"Yep.","start":550.555,"end":551.055,"sentiment":"neutral","sentiment_score":0.06643428653478622}],"sentiment":"neutral","sentiment_score":0.06643428653478622,"channel":1,"num_words":1,"start":550.555,"end":551.055},{"sentences":[{"text":"We are watching it.","start":551.22003,"end":552.10004,"sentiment":"neutral","sentiment_score":0.09259332530200481},{"text":"We do review it regularly.","start":552.10004,"end":553.48004,"sentiment":"neutral","sentiment_score":0.19967945516109467},{"text":"That's why when you come on board, we like to have that three monthly catch up to start with just to say, hey.","start":553.86005,"end":559.7,"sentiment":"neutral","sentiment_score":0.25470146925553033},{"text":"How's everything going?","start":559.7,"end":560.9,"sentiment":"neutral","sentiment_score":0.24456971883773804},{"text":"There's nothing to worry about.","start":560.9,"end":562.18,"sentiment":"neutral","sentiment_score":0.22320429384708404}],"sentiment":"neutral","sentiment_score":0.2269158748909831,"channel":0,"num_words":40,"start":551.22003,"end":562.18},{"sentences":[{"text":"There is something to worry about.","start":562.18,"end":563.38,"sentiment":"neutral","sentiment_score":0.19001441448926926},{"text":"We can talk about it.","start":563.38,"end":564.645,"sentiment":"neutral","sentiment_score":0.18000492751598357},{"text":"And then","start":564.645,"end":565.125,"sentiment":"neutral","sentiment_score":0.11483307182788849}],"sentiment":"neutral","sentiment_score":0.1745982513977931,"channel":0,"num_words":13,"start":562.18,"end":565.125},{"sentences":[{"text":"Yep.","start":565.0,"end":565.5,"sentiment":"neutral","sentiment_score":0.09840687364339828}],"sentiment":"neutral","sentiment_score":0.09840687364339828,"channel":1,"num_words":1,"start":565.0,"end":565.5},{"sentences":[{"text":"when we do annual reviews, we may update your portfolio, change an option, change five, change eight, depends on what you need.","start":565.125,"end":571.625,"sentiment":"neutral","sentiment_score":0.08167595280842348}],"sentiment":"neutral","sentiment_score":0.08167595280842348,"channel":0,"num_words":22,"start":565.125,"end":571.625},{"sentences":[{"text":"Yep.","start":572.19995,"end":572.69995,"sentiment":"neutral","sentiment_score":0.1471066176891327}],"sentiment":"neutral","sentiment_score":0.1471066176891327,"channel":1,"num_words":1,"start":572.19995,"end":572.69995},{"sentences":[{"text":"So, yes, it's behaving kind of the way I would want it to do.","start":573.60504,"end":578.42004,"sentiment":"neutral","sentiment_score":0.284982653600829},{"text":"That's number one.","start":578.88,"end":579.68,"sentiment":"neutral","sentiment_score":0.27247949441274005},{"text":"And I look back at the last sort of twelve months, three years, it's returned ten percent the last twelve months even with the market going down a bit.","start":579.68,"end":587.38,"sentiment":"positive","sentiment_score":0.33884459502738096},{"text":"So that's above that 10% you're aiming for for your high growth risk profile, and it's something like 18% the last three years, which is well above expectations.","start":587.44,"end":596.115,"sentiment":"positive","sentiment_score":0.522343539765903},{"text":"So that's good.","start":597.295,"end":598.27496,"sentiment":"positive","sentiment_score":0.5415629148483276}],"sentiment":"positive","sentiment_score":0.401090866849794,"channel":0,"num_words":77,"start":573.60504,"end":598.27496},{"sentences":[{"text":"The problem that you're gonna face is that in between now and age 67, let's call it fourteen years to grow your super and protect it, you're probably gonna go through I don't wanna use too much jargon, but you're gonna go through two market cycles, which are on average about seven years, where the stock market goes up and then it crashes and it goes up and then it crashes.","start":598.65497,"end":618.37,"sentiment":"neutral","sentiment_score":-0.10977711229467056},{"text":"So your portfolio, what it's supposed to do is if the stock market dips and your contributions are going in, it can buy all those shares and property for a cheaper price.","start":618.99,"end":630.175,"sentiment":"neutral","sentiment_score":0.01833367586368695},{"text":"Like, you haven't lost it unless you sell it.","start":630.175,"end":632.79,"sentiment":"neutral","sentiment_score":-0.08829494669205612},{"text":"And then","start":633.26996,"end":633.50995,"sentiment":"neutral","sentiment_score":0.0072603989392519}],"sentiment":"neutral","sentiment_score":-0.07006693918976867,"channel":0,"num_words":114,"start":598.65497,"end":633.50995},{"sentences":[{"text":"Yep.","start":633.465,"end":633.965,"sentiment":"neutral","sentiment_score":0.06228101998567581}],"sentiment":"neutral","sentiment_score":0.06228101998567581,"channel":1,"num_words":1,"start":633.465,"end":633.965},{"sentences":[{"text":"when the market goes up for five years straight, all of that surges up and you get those really high returns, fifteen, twenty, 30%, and it will average out over seven years.","start":633.50995,"end":643.61,"sentiment":"neutral","sentiment_score":0.11715584364719689},{"text":"So that's actually the plan for your super for the next fourteen years is to ride through two cycles, not three, four, or five.","start":644.07,"end":653.47504,"sentiment":"neutral","sentiment_score":0.05168427821869651},{"text":"Two cycles.","start":653.47504,"end":654.215,"sentiment":"neutral","sentiment_score":-0.015928830485790968}],"sentiment":"neutral","sentiment_score":0.08547503470667991,"channel":0,"num_words":58,"start":633.50995,"end":654.215},{"sentences":[{"text":"So you've","start":654.77997,"end":655.34,"sentiment":"neutral","sentiment_score":-0.0004136472343816422}],"sentiment":"neutral","sentiment_score":-0.0004136472343816422,"channel":1,"num_words":2,"start":654.77997,"end":655.34},{"sentences":[{"text":"The","start":655.155,"end":655.395,"sentiment":"neutral","sentiment_score":-0.0035606734454631805}],"sentiment":"neutral","sentiment_score":-0.0035606734454631805,"channel":0,"num_words":1,"start":655.155,"end":655.395},{"sentences":[{"text":"already","start":655.34,"end":655.74,"sentiment":"neutral","sentiment_score":-0.0054267942905426025}],"sentiment":"neutral","sentiment_score":-0.0054267942905426025,"channel":1,"num_words":1,"start":655.34,"end":655.74},{"sentences":[{"text":"second","start":655.395,"end":655.895,"sentiment":"neutral","sentiment_score":-0.00807814858853817}],"sentiment":"neutral","sentiment_score":-0.00807814858853817,"channel":0,"num_words":1,"start":655.395,"end":655.895},{"sentences":[{"text":"taken this into account.","start":655.74,"end":657.04,"sentiment":"neutral","sentiment_score":-0.008352145552635193}],"sentiment":"neutral","sentiment_score":-0.008352145552635193,"channel":1,"num_words":4,"start":655.74,"end":657.04},{"sentences":[{"text":"yes.","start":657.635,"end":658.135,"sentiment":"neutral","sentiment_score":0.0331825315952301}],"sentiment":"neutral","sentiment_score":0.0331825315952301,"channel":0,"num_words":1,"start":657.635,"end":658.135},{"sentences":[{"text":"Alright.","start":658.175,"end":658.65497,"sentiment":"neutral","sentiment_score":0.0479108989238739}],"sentiment":"neutral","sentiment_score":0.0479108989238739,"channel":1,"num_words":1,"start":658.175,"end":658.65497},{"sentences":[{"text":"That's","start":658.35504,"end":658.67505,"sentiment":"neutral","sentiment_score":0.026262473315000538}],"sentiment":"neutral","sentiment_score":0.026262473315000538,"channel":0,"num_words":1,"start":658.35504,"end":658.67505},{"sentences":[{"text":"Okay.","start":658.65497,"end":659.15497,"sentiment":"neutral","sentiment_score":0.02160468138754368}],"sentiment":"neutral","sentiment_score":0.02160468138754368,"channel":1,"num_words":1,"start":658.65497,"end":659.15497},{"sentences":[{"text":"why we say the average is 10% because some years you're up 50, some years you're down 30.","start":658.67505,"end":663.655,"sentiment":"neutral","sentiment_score":-0.06480357299248378},{"text":"That's","start":664.09,"end":664.25,"sentiment":"neutral","sentiment_score":-0.08017683774232864}],"sentiment":"neutral","sentiment_score":-0.06561269218984403,"channel":0,"num_words":19,"start":658.67505,"end":664.25},{"sentences":[{"text":"Yep.","start":664.175,"end":664.675,"sentiment":"neutral","sentiment_score":-0.06844640523195267}],"sentiment":"neutral","sentiment_score":-0.06844640523195267,"channel":1,"num_words":1,"start":664.175,"end":664.675},{"sentences":[{"text":"once every seven years it actually crashes pretty heavily, and we just use that as a buying opportunity.","start":664.25,"end":669.23,"sentiment":"neutral","sentiment_score":-0.18944607550899187},{"text":"Seven years of growth, and then for that last cycle, we're gonna slowly reduce your risk level down for the last seven years.","start":670.33,"end":676.89,"sentiment":"neutral","sentiment_score":-0.016399825072806816},{"text":"So instead of 90% shares in property, we'll trim you down to eighty, seventy, sixty, fifty, forty, and there you are, eight sixty seven.","start":676.89,"end":685.41504,"sentiment":"neutral","sentiment_score":0.141594048589468},{"text":"It's nice and safe and conservative.","start":685.47504,"end":687.255,"sentiment":"positive","sentiment_score":0.6236712336540222},{"text":"You've got your 500,000, your 800,000, whatever it is, and we can set you up into a pension account.","start":687.555,"end":693.655,"sentiment":"positive","sentiment_score":0.33978819847106934}],"sentiment":"neutral","sentiment_score":0.1089892778131697,"channel":0,"num_words":90,"start":664.25,"end":693.655},{"sentences":[{"text":"You can live off.","start":693.795,"end":694.935,"sentiment":"neutral","sentiment_score":0.15836923196911812}],"sentiment":"neutral","sentiment_score":0.15836923196911812,"channel":0,"num_words":4,"start":693.795,"end":694.935},{"sentences":[{"text":"Right.","start":696.615,"end":696.935,"sentiment":"neutral","sentiment_score":0.13969814777374268},{"text":"Okay.","start":696.935,"end":697.435,"sentiment":"neutral","sentiment_score":0.13826632499694824}],"sentiment":"neutral","sentiment_score":0.13898223638534546,"channel":1,"num_words":2,"start":696.615,"end":697.435},{"sentences":[{"text":"Does that sort of make sense?","start":697.77997,"end":699.24,"sentiment":"neutral","sentiment_score":0.11094073578715324}],"sentiment":"neutral","sentiment_score":0.11094073578715324,"channel":0,"num_words":6,"start":697.77997,"end":699.24},{"sentences":[{"text":"It does make sense.","start":699.495,"end":700.71497,"sentiment":"neutral","sentiment_score":0.2697448283433914}],"sentiment":"neutral","sentiment_score":0.2697448283433914,"channel":1,"num_words":4,"start":699.495,"end":700.71497},{"sentences":[{"text":"Now being realistic, because I don't wanna give you unrealistic expectations, is what could very well happen.","start":701.54,"end":707.86,"sentiment":"neutral","sentiment_score":-0.251386652536252},{"text":"Now I'll give you the most extreme case.","start":707.86,"end":709.635,"sentiment":"neutral","sentiment_score":-0.31504711881279945},{"text":"Let's say COVID happens again, stock market just completely plummets, and then it goes back up for five years.","start":709.715,"end":715.895,"sentiment":"neutral","sentiment_score":-0.239250878754415},{"text":"Your 02/20 could go to one sixty and then be up to three fifty five years later.","start":716.91504,"end":723.94,"sentiment":"neutral","sentiment_score":-0.13874304075451457}],"sentiment":"neutral","sentiment_score":-0.22456308906195593,"channel":0,"num_words":61,"start":701.54,"end":723.94},{"sentences":[{"text":"Yep.","start":726.005,"end":726.505,"sentiment":"neutral","sentiment_score":0.134066641330719}],"sentiment":"neutral","sentiment_score":0.134066641330719,"channel":1,"num_words":1,"start":726.005,"end":726.505},{"sentences":[{"text":"I see that happening all the time pretty regularly, and it gets people to where they need to go.","start":726.32,"end":732.34,"sentiment":"neutral","sentiment_score":0.17550520206752576},{"text":"So part of those reviews that we do is we go, okay.","start":734.16003,"end":736.80005,"sentiment":"neutral","sentiment_score":0.2002583146095276},{"text":"This is great.","start":736.80005,"end":737.535,"sentiment":"positive","sentiment_score":0.759550412495931},{"text":"Looks great on paper.","start":737.615,"end":738.83496,"sentiment":"positive","sentiment_score":0.6006329208612442},{"text":"As you go through this, if this happens and you're not comfortable with it, we may need to change the way it's invested.","start":739.13495,"end":745.71497,"sentiment":"neutral","sentiment_score":-0.1329529589932898}],"sentiment":"neutral","sentiment_score":0.1206715324374496,"channel":0,"num_words":61,"start":726.32,"end":745.71497},{"sentences":[{"text":"Maybe trim down the risk a little bit, put a bit more of contributions in, or even just","start":746.175,"end":751.48,"sentiment":"neutral","sentiment_score":-0.027148474732206926}],"sentiment":"neutral","sentiment_score":-0.027148474732206926,"channel":0,"num_words":18,"start":746.175,"end":751.48},{"sentences":[{"text":"Yes.","start":751.255,"end":751.755,"sentiment":"neutral","sentiment_score":-0.00581808015704155}],"sentiment":"neutral","sentiment_score":-0.00581808015704155,"channel":1,"num_words":1,"start":751.255,"end":751.755},{"sentences":[{"text":"change the style of the investments.","start":751.48,"end":753.0,"sentiment":"neutral","sentiment_score":-0.022007755935192108},{"text":"Maybe we don't use these low fee ETFs.","start":753.0,"end":755.74,"sentiment":"neutral","sentiment_score":-0.0328206499107182},{"text":"Maybe we pay a little bit higher investment fees for something that's a bit more actively managed.","start":756.12,"end":760.19995,"sentiment":"neutral","sentiment_score":-0.029574962442412096},{"text":"Like, we we kind of tailor it regularly depending on how you change and how the markets change.","start":760.19995,"end":766.975,"sentiment":"neutral","sentiment_score":-0.006233025445706314}],"sentiment":"neutral","sentiment_score":-0.020603684784502398,"channel":0,"num_words":49,"start":751.48,"end":766.975},{"sentences":[{"text":"Yeah.","start":769.76996,"end":770.00995,"sentiment":"neutral","sentiment_score":0.015380553901195526},{"text":"Right.","start":770.00995,"end":770.41,"sentiment":"neutral","sentiment_score":0.020058393478393555},{"text":"Okay.","start":770.41,"end":770.91,"sentiment":"neutral","sentiment_score":0.03473110869526863}],"sentiment":"neutral","sentiment_score":0.023390018691619236,"channel":1,"num_words":3,"start":769.76996,"end":770.91},{"sentences":[{"text":"Yep.","start":771.435,"end":771.83496,"sentiment":"neutral","sentiment_score":0.04774501547217369},{"text":"But what I want to say is that kind of expected after Christmas all of this to kind of happen, and we look at it in two different ways.","start":771.83496,"end":779.33997,"sentiment":"neutral","sentiment_score":-0.03898208466326368},{"text":"We go, okay.","start":779.33997,"end":780.24,"sentiment":"neutral","sentiment_score":-0.038036650667587914},{"text":"Every two or three years, there's something called a correction where the markets go down five to 15%.","start":780.86,"end":786.07996,"sentiment":"neutral","sentiment_score":-0.08447218789822525},{"text":"Lovely.","start":786.45996,"end":786.94,"sentiment":"positive","sentiment_score":0.3739721179008484}],"sentiment":"neutral","sentiment_score":-0.04506485876985467,"channel":0,"num_words":52,"start":771.435,"end":786.94},{"sentences":[{"text":"Buying opportunity, buy the dip, buy low to sell 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years.","start":801.505,"end":815.32,"sentiment":"neutral","sentiment_score":-0.02943825793076069}],"sentiment":"neutral","sentiment_score":-0.07673880952949587,"channel":0,"num_words":76,"start":791.02496,"end":815.32},{"sentences":[{"text":"Yep.","start":817.19,"end":817.51,"sentiment":"neutral","sentiment_score":0.023242607712745667},{"text":"Okay.","start":817.51,"end":818.01,"sentiment":"neutral","sentiment_score":0.014895724132657053}],"sentiment":"neutral","sentiment_score":0.01906916592270136,"channel":1,"num_words":2,"start":817.19,"end":818.01},{"sentences":[{"text":"K?","start":818.35504,"end":818.85504,"sentiment":"neutral","sentiment_score":0.019072499126195908},{"text":"Now I don't wanna sit there and say, hey.","start":818.91504,"end":820.59503,"sentiment":"neutral","sentiment_score":-0.0565751562308934},{"text":"We're gonna charge you a fee.","start":820.59503,"end":821.635,"sentiment":"neutral","sentiment_score":-0.021709762513637543},{"text":"We're not gonna do anything, and you just have to watch it go up and down like crazy.","start":821.635,"end":825.17505,"sentiment":"neutral","sentiment_score":-0.05529287591990498},{"text":"Or I just wanna give you those expectations of this is kind of what we want to happen to get you to that retirement goal.","start":825.315,"end":832.38,"sentiment":"neutral","sentiment_score":0.11900252550840378}],"sentiment":"neutral","sentiment_score":0.02304116761217178,"channel":0,"num_words":59,"start":818.35504,"end":832.38},{"sentences":[{"text":"True story.","start":837.495,"end":838.395,"sentiment":"neutral","sentiment_score":0.09485537558794022},{"text":"Alright.","start":838.775,"end":839.275,"sentiment":"neutral","sentiment_score":0.0892937108874321}],"sentiment":"neutral","sentiment_score":0.09300148735443751,"channel":1,"num_words":3,"start":837.495,"end":839.275},{"sentences":[{"text":"K?","start":840.38,"end":840.88,"sentiment":"neutral","sentiment_score":0.07671672105789185},{"text":"Now I take it pretty seriously because, obviously, my parents are invested in super.","start":840.94,"end":845.84,"sentiment":"neutral","sentiment_score":0.16037748754024506},{"text":"Look after those guys,","start":845.9,"end":847.28,"sentiment":"neutral","sentiment_score":0.18743840605020523}],"sentiment":"neutral","sentiment_score":0.1616713247801128,"channel":0,"num_words":19,"start":840.38,"end":847.28},{"sentences":[{"text":"Yes.","start":846.83,"end":847.33,"sentiment":"neutral","sentiment_score":0.14465957880020142}],"sentiment":"neutral","sentiment_score":0.14465957880020142,"channel":1,"num_words":1,"start":846.83,"end":847.33},{"sentences":[{"text":"Grandparents, aunts, uncles, friends, everybody like that.","start":847.64496,"end":851.08496,"sentiment":"neutral","sentiment_score":0.14547397302729742},{"text":"And this period in your fifties and sixties is the serious point because you got $30 in super and you're 33 years old.","start":851.08496,"end":857.64496,"sentiment":"neutral","sentiment_score":-0.02328699827194214},{"text":"It goes up and down 10%.","start":857.64496,"end":859.165,"sentiment":"neutral","sentiment_score":-0.11109513292709987},{"text":"It goes up and down $3.","start":859.165,"end":860.58,"sentiment":"neutral","sentiment_score":-0.06536056349674861},{"text":"But for","start":861.06,"end":861.46,"sentiment":"neutral","sentiment_score":-0.00007791258394718214}],"sentiment":"neutral","sentiment_score":-0.013094844381240282,"channel":0,"num_words":44,"start":847.64496,"end":861.46},{"sentences":[{"text":"Yeah.","start":861.31,"end":861.81,"sentiment":"neutral","sentiment_score":0.015335229225456716}],"sentiment":"neutral","sentiment_score":0.015335229225456716,"channel":1,"num_words":1,"start":861.31,"end":861.81},{"sentences":[{"text":"you, a 10% up or down is 22,000, 50","start":861.46,"end":866.34,"sentiment":"neutral","sentiment_score":0.049075299666987524}],"sentiment":"neutral","sentiment_score":0.049075299666987524,"channel":0,"num_words":9,"start":861.46,"end":866.34},{"sentences":[{"text":"Yep.","start":866.085,"end":866.585,"sentiment":"neutral","sentiment_score":0.0476059727370739}],"sentiment":"neutral","sentiment_score":0.0476059727370739,"channel":1,"num_words":1,"start":866.085,"end":866.585},{"sentences":[{"text":"thousand.","start":866.34,"end":866.82,"sentiment":"neutral","sentiment_score":0.06563028693199158},{"text":"It's a it's a lot bigger in a dollar value, but all the returns are percentage based.","start":866.82,"end":871.88,"sentiment":"neutral","sentiment_score":0.11312430001357023}],"sentiment":"neutral","sentiment_score":0.1104857437312603,"channel":0,"num_words":18,"start":866.34,"end":871.88},{"sentences":[{"text":"Alright.","start":875.36,"end":875.76,"sentiment":"positive","sentiment_score":0.5017561912536621},{"text":"You're making me feel a lot more comfortable about it.","start":875.76,"end":878.5,"sentiment":"positive","sentiment_score":0.6162891209125518}],"sentiment":"positive","sentiment_score":0.6058770363981073,"channel":1,"num_words":11,"start":875.36,"end":878.5},{"sentences":[{"text":"I'm definitely hoping so because we want you to go into this and be like, look.","start":879.235,"end":883.39496,"sentiment":"positive","sentiment_score":0.5104723311960697},{"text":"We've charged you to set all this up, and we've put you into this, which we think suits you.","start":883.39496,"end":887.25494,"sentiment":"positive","sentiment_score":0.4557315613094129},{"text":"And if we've done a poor job and put you in something that does not suit you, then I wanna fix that.","start":887.51,"end":891.58997,"sentiment":"negative","sentiment_score":-0.3516751104457812},{"text":"But if you're like, look.","start":891.58997,"end":892.79,"sentiment":"neutral","sentiment_score":0.14702828824520112},{"text":"This makes sense.","start":892.79,"end":893.77,"sentiment":"neutral","sentiment_score":0.29373446106910706}],"sentiment":"neutral","sentiment_score":0.16470691320987849,"channel":0,"num_words":65,"start":879.235,"end":893.77},{"sentences":[{"text":"I can kind of go through this a little bit.","start":894.14996,"end":896.33,"sentiment":"neutral","sentiment_score":0.2964437916874886},{"text":"That's fine.","start":896.79,"end":897.61,"sentiment":"positive","sentiment_score":0.3923778384923935},{"text":"If there's any major issues, we will make changes with you.","start":897.83,"end":900.81,"sentiment":"neutral","sentiment_score":0.12600314955819736},{"text":"And if it gets too bad, we'll do what we need to do for you as well.","start":901.22504,"end":905.485,"sentiment":"neutral","sentiment_score":0.2510891302543528}],"sentiment":"neutral","sentiment_score":0.23509358633309602,"channel":0,"num_words":40,"start":894.14996,"end":905.485},{"sentences":[{"text":"That's all I wanted to hear, mate.","start":906.16003,"end":907.84,"sentiment":"positive","sentiment_score":0.4324368791920798},{"text":"That's all 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pretending like you're part of the CBA bank or a robot.","start":1165.41,"end":1179.855,"sentiment":"neutral","sentiment_score":0.12422803059841196}],"sentiment":"neutral","sentiment_score":0.10330982822629195,"channel":0,"num_words":63,"start":1161.0901,"end":1179.855},{"sentences":[{"text":"Yeah.","start":1180.595,"end":1180.95,"sentiment":"neutral","sentiment_score":0.16966232657432556}],"sentiment":"neutral","sentiment_score":0.16966232657432556,"channel":1,"num_words":1,"start":1180.595,"end":1180.95},{"sentences":[{"text":"And the other thing is Oatvue is pretty well, like, self licensed.","start":1180.6349,"end":1185.375,"sentiment":"neutral","sentiment_score":0.3322250259419282},{"text":"We're not tied to recommending a bank's products because we're linked to CBA or NAB or Westpac.","start":1185.5149,"end":1191.28,"sentiment":"neutral","sentiment_score":0.1889247797867831},{"text":"So we've got a lot of freedom in what we do for clients with restrictions and frameworks, of course.","start":1191.82,"end":1197.44,"sentiment":"neutral","sentiment_score":0.23272635199521718},{"text":"But these guys said, look.","start":1197.5,"end":1198.54,"sentiment":"neutral","sentiment_score":0.10170218050479889},{"text":"We need a senior adviser.","start":1198.54,"end":1199.76,"sentiment":"neutral","sentiment_score":0.05491107404232025}],"sentiment":"neutral","sentiment_score":0.21384980221246852,"channel":0,"num_words":58,"start":1180.6349,"end":1199.76},{"sentences":[{"text":"Can you come in here?","start":1200.095,"end":1200.975,"sentiment":"neutral","sentiment_score":0.0652722842991352},{"text":"You can give any advice you like and just look after the clients.","start":1200.975,"end":1204.755,"sentiment":"neutral","sentiment_score":0.1259512517314691},{"text":"We've built this business.","start":1204.975,"end":1206.015,"sentiment":"neutral","sentiment_score":0.252875629812479},{"text":"We've built these clients.","start":1206.015,"end":1206.895,"sentiment":"neutral","sentiment_score":0.24687334522604942},{"text":"Can you come in and look after them?","start":1206.895,"end":1208.495,"sentiment":"neutral","sentiment_score":0.11382872704416513}],"sentiment":"neutral","sentiment_score":0.1433339238385944,"channel":0,"num_words":34,"start":1200.095,"end":1208.495},{"sentences":[{"text":"And I said, yeah.","start":1208.495,"end":1209.295,"sentiment":"neutral","sentiment_score":0.09112925082445145},{"text":"Absolutely.","start":1209.295,"end":1209.795,"sentiment":"neutral","sentiment_score":0.27165424823760986},{"text":"I'll I'll spend a few years training advisers, about 50 of them, and then thought, oh, I kinda miss talking to people and giving advice.","start":1209.935,"end":1217.0701,"sentiment":"neutral","sentiment_score":0.1295788286626339},{"text":"I wanna get back on the tools a little bit.","start":1217.0701,"end":1219.09,"sentiment":"neutral","sentiment_score":0.1489762246608734}],"sentiment":"neutral","sentiment_score":0.13413510536774992,"channel":0,"num_words":40,"start":1208.495,"end":1219.09},{"sentences":[{"text":"You're right.","start":1220.13,"end":1220.835,"sentiment":"neutral","sentiment_score":0.26867756247520447},{"text":"So I just sort of see myself as a little fish in a big pond, and you've still made me feel like a valued customer.","start":1221.875,"end":1231.4149,"sentiment":"positive","sentiment_score":0.5200493347644806},{"text":"I do appreciate that.","start":1231.715,"end":1232.995,"sentiment":"positive","sentiment_score":0.6541218459606171},{"text":"I appreciate you calling me.","start":1232.995,"end":1234.65,"sentiment":"positive","sentiment_score":0.6639884948730469}],"sentiment":"positive","sentiment_score":0.5409727320075035,"channel":1,"num_words":36,"start":1220.13,"end":1234.65},{"sentences":[{"text":"No worries at all.","start":1235.5651,"end":1236.4451,"sentiment":"positive","sentiment_score":0.3723849728703499},{"text":"That that warms the heart.","start":1236.4451,"end":1237.645,"sentiment":"positive","sentiment_score":0.5261032938957214},{"text":"And to be honest, mate, we don't see easy little fish.","start":1237.645,"end":1240.51,"sentiment":"neutral","sentiment_score":0.08551137115467679},{"text":"We we see you as just the same as anybody else, whether it's they've got $800, 50, or 200.","start":1240.65,"end":1246.11,"sentiment":"neutral","sentiment_score":0.18451863135162153},{"text":"At the end of the day, you're a person that we've charged to do a service for, and we treat everyone the same way.","start":1246.65,"end":1254.075,"sentiment":"neutral","sentiment_score":0.26151830578843754}],"sentiment":"neutral","sentiment_score":0.2356027742581708,"channel":0,"num_words":63,"start":1235.5651,"end":1254.075},{"sentences":[{"text":"Very good.","start":1255.625,"end":1256.365,"sentiment":"positive","sentiment_score":0.6142536997795105},{"text":"Thank you, Tommy.","start":1256.745,"end":1257.625,"sentiment":"positive","sentiment_score":0.6481482783953348}],"sentiment":"positive","sentiment_score":0.6345904469490051,"channel":1,"num_words":5,"start":1255.625,"end":1257.625},{"sentences":[{"text":"Cool.","start":1257.2749,"end":1257.7749,"sentiment":"positive","sentiment_score":0.5943992137908936}],"sentiment":"positive","sentiment_score":0.5943992137908936,"channel":0,"num_words":1,"start":1257.2749,"end":1257.7749},{"sentences":[{"text":"Appreciate it.","start":1257.625,"end":1258.685,"sentiment":"positive","sentiment_score":0.5938642919063568}],"sentiment":"positive","sentiment_score":0.5938642919063568,"channel":1,"num_words":2,"start":1257.625,"end":1258.685},{"sentences":[{"text":"That's alright.","start":1258.5549,"end":1259.115,"sentiment":"neutral","sentiment_score":0.28020092844963074},{"text":"Is there anything else I can help you with?","start":1259.115,"end":1260.8949,"sentiment":"neutral","sentiment_score":0.14643508858150905}],"sentiment":"neutral","sentiment_score":0.170756150375713,"channel":0,"num_words":11,"start":1258.5549,"end":1260.8949},{"sentences":[{"text":"No.","start":1261.75,"end":1262.0701,"sentiment":"neutral","sentiment_score":0.06447522342205048},{"text":"It's all good.","start":1262.0701,"end":1263.03,"sentiment":"neutral","sentiment_score":0.25469950834910077},{"text":"It's all good.","start":1263.03,"end":1264.01,"sentiment":"positive","sentiment_score":0.3961094915866852},{"text":"I'll I'll hear from from one of you guys, I guess, in three months for another","start":1264.0701,"end":1270.9501,"sentiment":"neutral","sentiment_score":0.060641867807134986}],"sentiment":"neutral","sentiment_score":0.12987704818015514,"channel":1,"num_words":23,"start":1261.75,"end":1270.9501},{"sentences":[{"text":"Yeah?","start":1270.65,"end":1271.13,"sentiment":"neutral","sentiment_score":0.044851720333099365}],"sentiment":"neutral","sentiment_score":0.044851720333099365,"channel":0,"num_words":1,"start":1270.65,"end":1271.13},{"sentences":[{"text":"quarterly","start":1270.9501,"end":1271.4501,"sentiment":"neutral","sentiment_score":0.05084852874279022}],"sentiment":"neutral","sentiment_score":0.05084852874279022,"channel":1,"num_words":1,"start":1270.9501,"end":1271.4501},{"sentences":[{"text":"Yep.","start":1271.13,"end":1271.63,"sentiment":"neutral","sentiment_score":0.05403861030936241}],"sentiment":"neutral","sentiment_score":0.05403861030936241,"channel":0,"num_words":1,"start":1271.13,"end":1271.63},{"sentences":[{"text":"review.","start":1271.51,"end":1271.91,"sentiment":"neutral","sentiment_score":0.0501248836517334},{"text":"Yeah?","start":1271.91,"end":1272.41,"sentiment":"neutral","sentiment_score":0.051126159727573395},{"text":"Yep.","start":1272.725,"end":1273.225,"sentiment":"neutral","sentiment_score":0.0619480237364769}],"sentiment":"neutral","sentiment_score":0.054399689038594566,"channel":1,"num_words":3,"start":1271.51,"end":1273.225},{"sentences":[{"text":"I will have a look at a couple of quick little things before I let you go.","start":1272.8099,"end":1276.49,"sentiment":"neutral","sentiment_score":0.06761898472905159},{"text":"Yes.","start":1276.49,"end":1276.99,"sentiment":"neutral","sentiment_score":0.03063909150660038},{"text":"Another quarterly review in a few months' time.","start":1277.21,"end":1279.95,"sentiment":"neutral","sentiment_score":0.10716090444475412},{"text":"We do have your contributions coming in from Fruh Food International.","start":1280.565,"end":1284.345,"sentiment":"neutral","sentiment_score":0.2326284646987915},{"text":"So","start":1284.965,"end":1285.465,"sentiment":"neutral","sentiment_score":0.25695347785949707}],"sentiment":"neutral","sentiment_score":0.12771883307907142,"channel":0,"num_words":38,"start":1272.8099,"end":1285.465},{"sentences":[{"text":"Yep.","start":1285.4451,"end":1285.9451,"sentiment":"neutral","sentiment_score":0.2459450215101242}],"sentiment":"neutral","sentiment_score":0.2459450215101242,"channel":1,"num_words":1,"start":1285.4451,"end":1285.9451},{"sentences":[{"text":"one of the good things is, again, they come in monthly, quarterly, and so on to buy these investments.","start":1285.845,"end":1290.6649,"sentiment":"positive","sentiment_score":0.4366407566948941},{"text":"We will send you out a little pack for our next catch up, and then, again, pretty deep dive when we do the annual review.","start":1291.205,"end":1297.89,"sentiment":"neutral","sentiment_score":0.2886164647340774}],"sentiment":"positive","sentiment_score":0.352536045353521,"channel":0,"num_words":44,"start":1285.845,"end":1297.89},{"sentences":[{"text":"Fantastic.","start":1299.4199,"end":1299.9199,"sentiment":"positive","sentiment_score":0.7683056592941284}],"sentiment":"positive","sentiment_score":0.7683056592941284,"channel":1,"num_words":1,"start":1299.4199,"end":1299.9199},{"sentences":[{"text":"Awesome,","start":1301.15,"end":1301.5499,"sentiment":"positive","sentiment_score":0.7252786159515381}],"sentiment":"positive","sentiment_score":0.7252786159515381,"channel":0,"num_words":1,"start":1301.15,"end":1301.5499},{"sentences":[{"text":"Okay,","start":1301.325,"end":1301.8049,"sentiment":"positive","sentiment_score":0.6798976063728333}],"sentiment":"positive","sentiment_score":0.6798976063728333,"channel":1,"num_words":1,"start":1301.325,"end":1301.8049},{"sentences":[{"text":"mate.","start":1301.5499,"end":1302.0499,"sentiment":"positive","sentiment_score":0.700602650642395}],"sentiment":"positive","sentiment_score":0.700602650642395,"channel":0,"num_words":1,"start":1301.5499,"end":1302.0499},{"sentences":[{"text":"Tommy.","start":1301.8049,"end":1302.3049,"sentiment":"positive","sentiment_score":0.5600097179412842},{"text":"Thank you very much.","start":1302.765,"end":1303.9049,"sentiment":"positive","sentiment_score":0.8382788300514221}],"sentiment":"positive","sentiment_score":0.7826250076293946,"channel":1,"num_words":5,"start":1301.8049,"end":1303.9049},{"sentences":[{"text":"You have a fantastic week.","start":1304.51,"end":1306.35,"sentiment":"positive","sentiment_score":0.8183508396148682},{"text":"I will just send you a usual customer service message through to your phone.","start":1306.35,"end":1310.705,"sentiment":"positive","sentiment_score":0.34323722975594656},{"text":"Anything","start":1311.1649,"end":1311.565,"sentiment":"neutral","sentiment_score":0.10578913241624832}],"sentiment":"positive","sentiment_score":0.45014322735369205,"channel":0,"num_words":20,"start":1304.51,"end":1311.565},{"sentences":[{"text":"Yep.","start":1311.245,"end":1311.745,"sentiment":"neutral","sentiment_score":0.10596850514411926}],"sentiment":"neutral","sentiment_score":0.10596850514411926,"channel":1,"num_words":1,"start":1311.245,"end":1311.745},{"sentences":[{"text":"else, mate, just give us a buzz back, but I've put down some file notes on your account so the team know.","start":1311.565,"end":1316.625,"sentiment":"neutral","sentiment_score":0.20079400390386581}],"sentiment":"neutral","sentiment_score":0.20079400390386581,"channel":0,"num_words":22,"start":1311.565,"end":1316.625},{"sentences":[{"text":"Really, really appreciate it, mate.","start":1317.3,"end":1318.9801,"sentiment":"positive","sentiment_score":0.7875298738479615},{"text":"Thank you.","start":1318.9801,"end":1319.64,"sentiment":"positive","sentiment_score":0.7493804097175598}],"sentiment":"positive","sentiment_score":0.776630026953561,"channel":1,"num_words":7,"start":1317.3,"end":1319.64},{"sentences":[{"text":"Awesome, man.","start":1319.7628,"end":1320.3229,"sentiment":"positive","sentiment_score":0.7942746877670288},{"text":"You take care, and I'll talk to you soon.","start":1320.3229,"end":1321.8628,"sentiment":"positive","sentiment_score":0.6518747740321689}],"sentiment":"positive","sentiment_score":0.6777656674385071,"channel":0,"num_words":11,"start":1319.7628,"end":1321.8628},{"sentences":[{"text":"No worries, mate.","start":1322.1001,"end":1322.8201,"sentiment":"positive","sentiment_score":0.4389568070570628},{"text":"Have a beautiful night.","start":1322.8201,"end":1323.9401,"sentiment":"positive","sentiment_score":0.6902461647987366},{"text":"Bye.","start":1323.9401,"end":1324.4401,"sentiment":"positive","sentiment_score":0.39822590351104736}],"sentiment":"positive","sentiment_score":0.5595101229846478,"channel":1,"num_words":8,"start":1322.1001,"end":1324.4401},{"sentences":[{"text":"Thanks, Lee.","start":1324.1628,"end":1324.8828,"sentiment":"positive","sentiment_score":0.6053069829940796},{"text":"Bye.","start":1324.8828,"end":1325.3828,"sentiment":"neutral","sentiment_score":-0.10957273840904236}],"sentiment":"positive","sentiment_score":0.36701374252637226,"channel":0,"num_words":3,"start":1324.1628,"end":1325.3828}]},"summary":{"result":"success","short":"A senior adviser from Oakview Financial named Tommy discusses the risks of losing retirement due to a risk of losing super with passive ETFs and Christmas. They emphasize the importance of giving reassurance and high growth investment with passive ETFs to help them quickly. The speaker emphasizes the importance of monitoring risk levels and replacing a portfolio with different exposures, as well as the goal of reducing risk levels for the next seven years and reducing risk levels for the next twelve to fourteen years. They emphasize the importance of protecting assets and being a customer-focused business model, and offer to provide further assistance."},"intents":{"segments":[{"text":"Do you wanna just tell me in your own words the the main thing that you wanted to talk about or get out of this phone call?","start_word":370,"end_word":396,"intents":[{"intent":"Discuss","confidence_score":0.018142646},{"intent":"Identify","confidence_score":0.011715046}]},{"text":"I can imagine. I can imagine. And that's one of the things that I try and tell a lot of the younger clients that come on board in their thirties and forties saying, why you've got the time ahead of you, it's all well and good to take on a lot of risk and try and grow you super quickly so you can retire earlier.","start_word":601,"end_word":665,"intents":[{"intent":"Share","confidence_score":0.05329894}]},{"text":"I can imagine. And that's one of the things that I try and tell a lot of the younger clients that come on board in their thirties and forties saying, why you've got the time ahead of you, it's all well and good to take on a lot of risk and try and grow you super quickly so you can retire earlier. That last ten to fifteen year period is kind of a a crunch period. Right?","start_word":604,"end_word":680,"intents":[{"intent":"Express","confidence_score":0.1167218}]},{"text":"we've recommended for you to go into a high growth investment with a lot of Yep. passive ETFs, which is pretty rollercoaster y.","start_word":775,"end_word":797,"intents":[{"intent":"Recommend high growth investments","confidence_score":0.072094314}]},{"text":"All I'm looking for is advice from you. I don't wanna leave you guys. Right? But that's not what I'm talking about. I just need some reassurances from you guys that whilst you can't I I expect there will be dips and there will be highs. Just need some assurances that won't be, you know, devastating for me. Yeah.","start_word":919,"end_word":977,"intents":[{"intent":"Provide advice and guidance for growth","confidence_score":0.0000065672302}]},{"text":"expectations are really important because you need to know how your super is gonna behave. And Yep. if it behaves outside of what you expect, then there's a problem. Yep. K?","start_word":991,"end_word":1021,"intents":[{"intent":"Understand expectations and expectations","confidence_score":0.02038414}]},{"text":"The second one is when we build a portfolio for you, there's about seven or eight options in there, and they give you different exposures, different areas. Australian shares, international gold property, different sectors, and so on.","start_word":1306,"end_word":1342,"intents":[{"intent":"Analyze portfolio options","confidence_score":0.15425903}]},{"text":"We do review it regularly. That's why when you come on board, we like to have that three monthly catch up to start with just to say, hey. How's everything going? There's nothing to worry about. There is something to worry about. We can talk about it. And then Yep. when we do annual reviews, we may update your portfolio, change an option, change five, change eight, depends on what you need. Yep.","start_word":1606,"end_word":1678,"intents":[{"intent":"Review portfolio performance","confidence_score":0.0006902134}]},{"text":"So that's actually the plan for your super for the next fourteen years is to ride through two cycles, not three, four, or five. Two cycles.","start_word":1903,"end_word":1928,"intents":[{"intent":"Determine optimal investment plan","confidence_score":0.000012040478}]},{"text":"As you go through this, if this happens and you're not comfortable with it, we may need to change the way it's invested. Maybe trim down the risk a little bit, put a bit more of contributions in, or even just Yes.","start_word":2168,"end_word":2209,"intents":[{"intent":"Discuss investment decisions","confidence_score":0.01035324}]},{"text":"Maybe we don't use these low fee ETFs. Maybe we pay a little bit higher investment fees for something that's a bit more actively managed. Like, we we kind of tailor it regularly depending on how you change and how the markets change.","start_word":2216,"end_word":2258,"intents":[{"intent":"Discuss investment options","confidence_score":0.009569544}]},{"text":"Maybe we don't use these low fee ETFs. Maybe we pay a little bit higher investment fees for something that's a bit more actively managed. Like, we we kind of tailor it regularly depending on how you change and how the markets change. Yeah.","start_word":2216,"end_word":2259,"intents":[{"intent":"Identify investment styles","confidence_score":0.0004943695}]},{"text":"Every two or three years, there's something called a correction where the markets go down five to 15%. Lovely.","start_word":2295,"end_word":2313,"intents":[{"intent":"Discuss market corrections","confidence_score":0.23822051}]},{"text":"Now I don't wanna sit there and say, hey. We're gonna charge you a fee. We're not gonna do anything, and you just have to watch it go up and down like crazy. Or I just wanna give you those expectations of this is kind of what we want to happen to get you to that retirement goal.","start_word":2405,"end_word":2462,"intents":[{"intent":"Discuss expectations and expectations","confidence_score":0.00027808093}]},{"text":"I can kind of go through this a little bit. That's fine.","start_word":2635,"end_word":2646,"intents":[{"intent":"Explaining process","confidence_score":0.00010629317}]},{"text":"Now I would probably recommend don't stare at your super on a daily basis this year because there are wars breaking out and oil crises, and it's looking crazy.","start_word":2690,"end_word":2718,"intents":[{"intent":"Recommending change","confidence_score":0.030089902}]},{"text":"Definitely check it.","start_word":2795,"end_word":2797,"intents":[{"intent":"Promising checking","confidence_score":0.0005129329}]},{"text":"We're just trying to make sure that you're buying, like, the good investments that you can compared to the ones next year. If you can drop a little bit less than the guy next year, if you can grow a little bit quicker than the guy next year and get to that goal, that's great.","start_word":3134,"end_word":3188,"intents":[{"intent":"Guide investors","confidence_score":0.0026849313}]},{"text":"what we'd like to do. But once you've gotten closer to that point that you need to protect what you've got, we're gonna get out of the properties and the houses and the stocks and go into some safer assets, bit more term deposits, bonds, Yep. fixed interest, and get a little bit of growth to fund your retirement, but protect it more so. No. Very good.","start_word":3348,"end_word":3414,"intents":[{"intent":"Provide advice","confidence_score":0.0024323605}]},{"text":"I I really appreciate hearing that.","start_word":3432,"end_word":3437,"intents":[{"intent":"Express appreciation","confidence_score":0.15862021}]},{"text":"I I really appreciate hearing that. And at any point, if there's anything concerning you wanna call up, go for it. If we have a discussion and there's anything major that we're flagging as an issue, we will do some changes. But Yep.","start_word":3432,"end_word":3474,"intents":[{"intent":"Provide feedback","confidence_score":0.007308475}]},{"text":"If we have a discussion and there's anything major that we're flagging as an issue, we will do some changes. But Yep.","start_word":3453,"end_word":3474,"intents":[{"intent":"Discuss issues","confidence_score":0.0016315198}]},{"text":"You can give any advice you like and just look after the clients. We've built this business.","start_word":3630,"end_word":3646,"intents":[{"intent":"Provide advice and guidance","confidence_score":0.00083490636}]}]},"sentiments":{"segments":[{"text":"Hello? Lee speaking. Hey, Leith. Hi. It is Tommy here, senior adviser from Oakview Financial. How are you doing, mate?","start_word":0,"end_word":19,"sentiment":"neutral","sentiment_score":0.10045485198497772},{"text":"Good, mate. How are you? Living the dream so far. It's been a fantastic midweek. Your end?","start_word":20,"end_word":36,"sentiment":"positive","sentiment_score":0.5551431775093079},{"text":"Yeah. I mean, I mean, too bad. It's been a little bit hectic at work. But Always the way. well, yeah. It's been a main board, I guess. Yeah. Mate, you gotta take it that way because otherwise, you might go stir crazy, but, you know, what's life without a little bit of drama? Yeah. Lots of drama in my life and my work life, mate. I'm Well a manager I'm a safety manager for an abattoir. So you can imagine Uh-huh. that's sort of things that are designed to cut up everything we're made of. And to be honest, it's terrifying. And do people behave in a way that you think just defies common sense? Absolutely. Absolutely. I'm an old fellow, mate. So I I I think common sense was just a long, long time ago. I'm pretty sure I was still a young fellow when it all went out the window. Yeah, mate. My dad says the same thing, mate. I'm with you. I'm with you. Mate, I had you booked in for a bit of a catch up around the super before Yep. I jump into anything as a client of Oakview Financial now. Just wanted to see if you're okay to go through just a quick security process with me. Absolutely. Cool. So identify myself. I'm a senior adviser registered with ASIC. My number is 1273105. Are you okay for the calls to be recorded? Absolutely. Fantastic. And just for the security of your accounts, could I please confirm your date of birth and address, please, sir? The '72. Mhmm. The address is Number 2 Dawson Street, Ararat, Victoria.","start_word":37,"end_word":309,"sentiment":"neutral","sentiment_score":-0.03721373528242111},{"text":"Perfect. Thank you so much for that.","start_word":310,"end_word":316,"sentiment":"positive","sentiment_score":0.4271588921546936},{"text":"And that is postcode 3377? Correct. K. Let me just perfect, mate.","start_word":317,"end_word":328,"sentiment":"neutral","sentiment_score":0.20605503022670743},{"text":"Thank you so much for that.","start_word":329,"end_word":334,"sentiment":"positive","sentiment_score":0.5947621464729309},{"text":"Now I've got a few things open. I'm just having a look at your Hub 24 super. I've had a look at the advice that you were given and implemented a couple of months ago. Do you wanna just tell me in your own words the the main thing that you wanted to talk about or get out of this phone call? So I started the whole super journey thing pretty late in life, and I lost I lost a a great deal of super back in the nineties through a financial crash, I believe it was. I can't remember what year it was, but it was bad.","start_word":335,"end_word":442,"sentiment":"neutral","sentiment_score":-0.013213349506258965},{"text":"I lost about half of my super, I think it was.","start_word":443,"end_word":453,"sentiment":"negative","sentiment_score":-0.4345934391021729},{"text":"You would have seen quite a few circumstances. You would have seen global financial crisis in 2008, COVID Yeah. nineties, you probably would have seen a few. And it I'm 53 now, and this ball has got me concerned. I sort of like I went with you guys on the basis that I was thinking, like, singing along the lines of, like, I'm gonna have to I'm gonna have to take some some risks to get enough super into my account to be able to Like, catch it up kind of thing. catch it up and retire at a reasonable age. You know, I was thinking, like, 67 would be reasonable, 68. Yep. I figured that way I could at least have ten years. Yeah. You know what I Yeah. Yeah. I'm mean? with you. So I'm just, like, I'm still just nervous, mate. That's all. Yeah. I can imagine. I can imagine. And that's one of the things that I try and tell a lot of the younger clients that come on board in their thirties and forties saying, why you've got the time ahead of you, it's all well and good to take on a lot of risk and try and grow you super quickly so you can retire earlier.","start_word":454,"end_word":665,"sentiment":"neutral","sentiment_score":-0.031080443412065503},{"text":"That last ten to fifteen year period is kind of a a crunch period.","start_word":666,"end_word":679,"sentiment":"negative","sentiment_score":-0.5231230854988098},{"text":"Right? Because you're trying to get the growth to get you to the final figure that you need, but at the same time, you're then trying to protect what you've built because you don't wanna be 66, lose half your super year before you retire because the stock market's crashed. So it's Yes. this strange balancing act where you you tend to grow your super for, say, five to ten years depending on your risk level, and then you Mhmm. need to start protecting it gradually as you get closer to retirement. So, obviously, Yep. we've recommended for you to go into a high growth investment with a lot of Yep. passive ETFs, which is pretty rollercoaster y. I'm not gonna lie.","start_word":680,"end_word":801,"sentiment":"neutral","sentiment_score":0.06687201846574174},{"text":"And then, obviously, Christmas happens, the world starts going crazy again, stock market starts going up and down, and it could very well have a nice solid crash this year, and that's Yep.","start_word":802,"end_word":834,"sentiment":"negative","sentiment_score":-0.37138107419013977},{"text":"what's concerned you. Yes. That's pretty much it, man. I Yeah. I just don't wanna see you know, look, I feel that at my age, I should have more super than what I've got. I've got 220 k sitting in there at the moment. It was about two thirty, two thirty five, I think. Yep.","start_word":835,"end_word":889,"sentiment":"neutral","sentiment_score":-0.19833016395568848},{"text":"I just don't wanna end up going far out, man. Like, I've lost half of it. Like, I've gotta build it again.","start_word":890,"end_word":911,"sentiment":"negative","sentiment_score":-0.46597856283187866},{"text":"Do you know what I mean? Yeah. All I'm looking for is advice from you. I don't wanna leave you guys. Right? But that's not what I'm talking about. I just need some reassurances from you guys that whilst you can't I I expect there will be dips and there will be highs. Just need some assurances that won't be, you know, devastating for me. Yeah. So let let me go through three main points with you because Yeah. expectations are really important because you need to know how your super is gonna behave. And Yep.","start_word":912,"end_word":1007,"sentiment":"neutral","sentiment_score":-0.10646604001522064},{"text":"if it behaves outside of what you expect, then there's a problem.","start_word":1008,"end_word":1019,"sentiment":"negative","sentiment_score":-0.4501451849937439},{"text":"Yep. K? So first thing I I wanna just sort of touch on is you moved from, like, a a balanced funds with that Australian super up into a high growth fund that we've built for you. Yep. So you've gone from a risk level of three out of five up to five out of five to get that extra growth. Right? That's kind of point number one. Yep. One thing that's kind of reassuring to see is that because the market's kind of dropped three to 5% in the last month, which is decently quick, that that can be quite sharp compared to what normally happens in a month on the stock market. I was looking in a, like, a side by side. And your high growth fund, you're expecting it to be more volatile because it's more aggressive. You've got more shares. You've got more property. You've got more gold. Does that sort of make sense? Yep. Now side by side, though, the Australian super option that you're in, that's kind of dropped 3% in the last month, and your high growth funds dropped, like, 3.5%. So actually pretty similar levels of risk in this last little period, which is pretty cool to see because normally in high growth, I would have expected it to be down four or five. Yep. Yep. I would I would have expected the same thing, actually, to be honest with you. When I looked at my super, I expected to have lost, you know, twenty or thirty thousand. That's Yeah. what I had in my head. When I looked at it, I was like, oh, thank Christ. Yep. So there's actually four points I wanna touch on then. The second one is when we build a portfolio for you, there's about seven or eight options in there, and they give you different exposures, different areas. Australian shares, international gold property, different sectors, and so on. Yep. If we ever get to a point where any one of those options is not doing what it should, we tend to replace it within a year or two. An example Yeah. of Right. that was there was this spend a long fund that a lot of clients were in because they were, like, the top performing fund manager for five, ten years. All the Australian share managers doing pretty similar to the Australian market, some of them a bit higher, some of them a bit lower. But when you notice one fund manager shoot off in the opposite direction that everyone else is doing and the opposite direction of the pack and the market, that's a red flag to say, hey. That's not doing what it should do, and we replace that for the clients. Right. So you guys are watching this stuff very carefully for for your customers. Yeah? Now to two different degrees, We watch Yeah. if the fund's behaving the way it should. And if there's a major issue, we flag it. We get on top of it. We don't day trade people super and go, oh my god. I reckon the stock market is about to crash further, so we're gonna pull all your money out to cash. And then a month later, I'll put it back in because no one can time the market when it's gonna go up, when it's gonna actually go down. Even though we can all see the writing on the wall, timing it is practically impossible. Yep. We are watching it. We do review it regularly. That's why when you come on board, we like to have that three monthly catch up to start with just to say, hey. How's everything going? There's nothing to worry about. There is something to worry about. We can talk about it. And then Yep. when we do annual reviews, we may update your portfolio, change an option, change five, change eight, depends on what you need. Yep. So, yes, it's behaving kind of the way I would want it to do. That's number one.","start_word":1020,"end_word":1695,"sentiment":"neutral","sentiment_score":-0.007985941251497385},{"text":"And I look back at the last sort of twelve months, three years, it's returned ten percent the last twelve months even with the market going down a bit. So that's above that 10% you're aiming for for your high growth risk profile, and it's something like 18% the last three years, which is well above expectations. So that's good.","start_word":1696,"end_word":1755,"sentiment":"positive","sentiment_score":0.4548924267292022},{"text":"The problem that you're gonna face is that in between now and age 67, let's call it fourteen years to grow your super and protect it, you're probably gonna go through I don't wanna use too much jargon, but you're gonna go through two market cycles, which are on average about seven years, where the stock market goes up and then it crashes and it goes up and then it crashes. So your portfolio, what it's supposed to do is if the stock market dips and your contributions are going in, it can buy all those shares and property for a cheaper price. Like, you haven't lost it unless you sell it. And then Yep. when the market goes up for five years straight, all of that surges up and you get those really high returns, fifteen, twenty, 30%, and it will average out over seven years. So that's actually the plan for your super for the next fourteen years is to ride through two cycles, not three, four, or five. Two cycles. So you've The already second taken this into account. yes. Alright. That's Okay. why we say the average is 10% because some years you're up 50, some years you're down 30. That's Yep. once every seven years it actually crashes pretty heavily, and we just use that as a buying opportunity. Seven years of growth, and then for that last cycle, we're gonna slowly reduce your risk level down for the last seven years. So instead of 90% shares in property, we'll trim you down to eighty, seventy, sixty, fifty, forty, and there you are, eight sixty seven.","start_word":1756,"end_word":2026,"sentiment":"neutral","sentiment_score":-0.01387827005237341},{"text":"It's nice and safe and conservative. You've got your 500,000, your 800,000, whatever it is, and we can set you up into a pension account.","start_word":2027,"end_word":2051,"sentiment":"positive","sentiment_score":0.4097568392753601},{"text":"You can live off. Right. Okay. Does that sort of make sense? It does make sense. Now being realistic, because I don't wanna give you unrealistic expectations, is what could very well happen. Now I'll give you the most extreme case. Let's say COVID happens again, stock market just completely plummets, and then it goes back up for five years. Your 02/20 could go to one sixty and then be up to three fifty five years later. Yep. I see that happening all the time pretty regularly, and it gets people to where they need to go. So part of those reviews that we do is we go, okay.","start_word":2052,"end_word":2160,"sentiment":"neutral","sentiment_score":-0.049605006061562706},{"text":"This is great. Looks great on paper.","start_word":2161,"end_word":2167,"sentiment":"positive","sentiment_score":0.6597093939781189},{"text":"As you go through this, if this happens and you're not comfortable with it, we may need to change the way it's invested. Maybe trim down the risk a little bit, put a bit more of contributions in, or even just Yes. change the style of the investments. Maybe we don't use these low fee ETFs. Maybe we pay a little bit higher investment fees for something that's a bit more actively managed. Like, we we kind of tailor it regularly depending on how you change and how the markets change. Yeah. Right. Okay. Yep. But what I want to say is that kind of expected after Christmas all of this to kind of happen, and we look at it in two different ways. We go, okay. Every two or three years, there's something called a correction where the markets go down five to 15%.","start_word":2168,"end_word":2312,"sentiment":"neutral","sentiment_score":-0.04926151782274246},{"text":"Lovely.","start_word":2313,"end_word":2313,"sentiment":"positive","sentiment_score":0.3739721179008484},{"text":"Buying opportunity, buy the dip, buy low to sell high. Every Yep. seven years, eight years, there's a crash. You've been through them before. It ranges from 20 to 50%, and that's a global financial crisis, a GFC, something like that. The aim for yours is, let's say the market crash is 40, but yours is only down 32, and you get to buy everything nice and cheap, and then it surges up 50% when the market goes up 40, you're gonna be ahead after that seven years. Yep. Okay. K? Now I don't wanna sit there and say, hey. We're gonna charge you a fee. We're not gonna do anything, and you just have to watch it go up and down like crazy. Or I just wanna give you those expectations of this is kind of what we want to happen to get you to that retirement goal. True story. Alright. K? Now I take it pretty seriously because, obviously, my parents are invested in super. Look after those guys, Yes. Grandparents, aunts, uncles, friends, everybody like that. And this period in your fifties and sixties is the serious point because you got $30 in super and you're 33 years old. It goes up and down 10%. It goes up and down $3. But for Yeah. you, a 10% up or down is 22,000, 50 Yep. thousand. It's a it's a lot bigger in a dollar value, but all the returns are percentage based.","start_word":2314,"end_word":2558,"sentiment":"neutral","sentiment_score":0.008922526457974193},{"text":"Alright. You're making me feel a lot more comfortable about it. I'm definitely hoping so because we want you to go into this and be like, look. We've charged you to set all this up, and we've put you into this, which we think suits you.","start_word":2559,"end_word":2604,"sentiment":"positive","sentiment_score":0.5061075091362},{"text":"And if we've done a poor job and put you in something that does not suit you, then I wanna fix that. But if you're like, look. This makes sense. I can kind of go through this a little bit.","start_word":2605,"end_word":2644,"sentiment":"neutral","sentiment_score":-0.059384483844041824},{"text":"That's fine.","start_word":2645,"end_word":2646,"sentiment":"positive","sentiment_score":0.3954612910747528},{"text":"If there's any major issues, we will make changes with you. And if it gets too bad, we'll do what we need to do for you as well.","start_word":2647,"end_word":2674,"sentiment":"neutral","sentiment_score":0.19898654520511627},{"text":"That's all I wanted to hear, mate. That's all I Cool. wanted to hear.","start_word":2675,"end_word":2688,"sentiment":"positive","sentiment_score":0.45511147379875183},{"text":"K. Now I would probably recommend don't stare at your super on a daily basis this year because there are wars breaking out and oil crises, and it's looking crazy. And what most people do is, like, they ignore their super for, like, ten, twenty years, and it's just going up and down in the background. They never even notice. Yeah. And then they jump into something. You've paid a couple of grand for it. Let me have a watch of it, and it's just going up and down.","start_word":2689,"end_word":2777,"sentiment":"neutral","sentiment_score":-0.19546116888523105},{"text":"They're just freaking out.","start_word":2778,"end_word":2781,"sentiment":"negative","sentiment_score":-0.40194636583328247},{"text":"Like, don't stress yourself out because our job is to watch it. Yep. Definitely check it. Definitely log in. Maybe monthly, quarterly, that kind of thing. We'll send you some quarterly reports and everything. But if Yep. every time the news pops up and Trump says something, the stock market dips and your super dips, you don't need to be tying that in to your life when you've got things to worry about with work and other things to focus on. No. You're exactly right.","start_word":2782,"end_word":2866,"sentiment":"neutral","sentiment_score":0.07245658197823693},{"text":"You're exactly right.","start_word":2867,"end_word":2869,"sentiment":"positive","sentiment_score":0.4769762456417084},{"text":"Now that's not to say that I I don't particularly enjoy watching people super go down because, obviously, we're linked to our clients.","start_word":2870,"end_word":2892,"sentiment":"neutral","sentiment_score":0.12360498309135436},{"text":"The better you do, the better we do, and we want everyone to be going up and hitting their goals so we can have good conversations and say, look, we knocked the lights out. You're doing fantastic. You're on the app. Everything's good.","start_word":2893,"end_word":2935,"sentiment":"positive","sentiment_score":0.5505458116531372},{"text":"But at the same time, we're trying to avoid doing anything to, like, knee jerk reaction where the news pops up and we start chopping and changing things all the time. No.","start_word":2936,"end_word":2967,"sentiment":"neutral","sentiment_score":-0.18287190794944763},{"text":"I did actually think that, but I was just like, man, this is just insane. Like, this was just escalating, you know?","start_word":2968,"end_word":2989,"sentiment":"negative","sentiment_score":-0.3940314054489136},{"text":"Yeah, And then mate. you say Well that you you watch the news and you look at the stock markets and you're like, oh, man. Wow. see, my first introduction to it, right, was I was in school when September 11 happened, and then I graduated high school when the GFC happened. And I had just gotten into an interest into personal finance and reading books and looking at the stock market when the whole world wiped out 60% of the stock market. People lost their homes and jobs and all this kind of thing. And then since then, there's just always been something happening every three to five years. There's a crisis Yeah. in China. There's a crisis in Greece with the banking system. There's COVID. Now all of a sudden, there's wars breaking out. Like, this this thing just keeps repeating itself. We're just trying to make sure that you're buying, like, the good investments that you can compared to the ones next year. If you can drop a little bit less than the guy next year, if you can grow a little bit quicker than the guy next year and get to that goal, that's great. But we can't, like, control the weather. You know what I mean? We've put you in a sports car. It's gonna rain. It's gonna storm. You're gonna slip off the road, and then when you get back on the road, you're going 200 k's an hour again.","start_word":2990,"end_word":3235,"sentiment":"neutral","sentiment_score":-0.05833761194130269},{"text":"What a really good analogy. I love my analogies.","start_word":3236,"end_word":3244,"sentiment":"positive","sentiment_score":0.5157802700996399},{"text":"The the team hates it. I sit there and draw the whiteboard up, and I'm drawing trees and houses. And, you know, my favorite one? At What's least that? my favorite one is if you have a house that's worth $500,000 and then you found out that it's now worth $400,000, would you rush off to go and sell it and lose a $100? Or do you go, I'll get an investment property or two or three, and then when it goes up, I've got four houses that are all up to $800? Yeah.","start_word":3245,"end_word":3338,"sentiment":"neutral","sentiment_score":0.007445722818374634},{"text":"Good point. Very good analogy. Very That's good analogy.","start_word":3339,"end_word":3347,"sentiment":"positive","sentiment_score":0.3780280649662018},{"text":"what we'd like to do. But once you've gotten closer to that point that you need to protect what you've got, we're gonna get out of the properties and the houses and the stocks and go into some safer assets, bit more term deposits, bonds, Yep. fixed interest, and get a little bit of growth to fund your retirement, but protect it more so. No. Very good.","start_word":3348,"end_word":3414,"sentiment":"neutral","sentiment_score":0.07945863157510757},{"text":"Very good. You've Cool. you've put me at ease in a big way, mate. Big way. Awesome. I I really appreciate hearing that.","start_word":3415,"end_word":3437,"sentiment":"positive","sentiment_score":0.6561644077301025},{"text":"And at any point, if there's anything concerning you wanna call up, go for it. If we have a discussion and there's anything major that we're flagging as an issue, we will do some changes. But Yep. don't hesitate to talk to us because that's what we're here for.","start_word":3438,"end_word":3486,"sentiment":"neutral","sentiment_score":0.16752304136753082},{"text":"You you guys have got a pretty good business model.","start_word":3487,"end_word":3496,"sentiment":"positive","sentiment_score":0.4893148839473725},{"text":"You're very customer focused, aren't you? Yeah. Actually, that's kind of what drove me to OQUE. Two things drew me here. I've been doing this for twelve years now, and client first is something that everyone talks about in business, but these guys, there's a pretty big focus on actually talking to people like they're people, not just pretending like you're part of the CBA bank or a robot. Yeah.","start_word":3497,"end_word":3566,"sentiment":"neutral","sentiment_score":0.12633201405405997},{"text":"And the other thing is Oatvue is pretty well, like, self licensed.","start_word":3567,"end_word":3578,"sentiment":"positive","sentiment_score":0.3498092591762543},{"text":"We're not tied to recommending a bank's products because we're linked to CBA or NAB or Westpac. So we've got a lot of freedom in what we do for clients with restrictions and frameworks, of course. But these guys said, look. We need a senior adviser. Can you come in here? You can give any advice you like and just look after the clients. We've built this business. We've built these clients. Can you come in and look after them? And I said, yeah. Absolutely. I'll I'll spend a few years training advisers, about 50 of them, and then thought, oh, I kinda miss talking to people and giving advice. I wanna get back on the tools a little bit. You're right.","start_word":3579,"end_word":3700,"sentiment":"neutral","sentiment_score":0.16123239696025848},{"text":"So I just sort of see myself as a little fish in a big pond, and you've still made me feel like a valued customer. I do appreciate that. I appreciate you calling me. No worries at all. That that warms the heart.","start_word":3701,"end_word":3743,"sentiment":"positive","sentiment_score":0.5427590608596802},{"text":"And to be honest, mate, we don't see easy little fish. We we see you as just the same as anybody else, whether it's they've got $800, 50, or 200. At the end of the day, you're a person that we've charged to do a service for, and we treat everyone the same way.","start_word":3744,"end_word":3797,"sentiment":"neutral","sentiment_score":0.18953318893909457},{"text":"Very good. Thank you, Tommy. Cool. Appreciate it.","start_word":3798,"end_word":3805,"sentiment":"positive","sentiment_score":0.619340717792511},{"text":"That's alright. Is there anything else I can help you with? No. It's all good.","start_word":3806,"end_word":3820,"sentiment":"neutral","sentiment_score":0.1944957822561264},{"text":"It's all good.","start_word":3821,"end_word":3823,"sentiment":"positive","sentiment_score":0.3901587128639221},{"text":"I'll I'll hear from from one of you guys, I guess, in three months for another Yeah? quarterly Yep. review. Yeah? Yep. I will have a look at a couple of quick little things before I let you go. Yes. Another quarterly review in a few months' time. We do have your contributions coming in from Fruh Food International. So Yep.","start_word":3824,"end_word":3884,"sentiment":"neutral","sentiment_score":0.1043765039229002},{"text":"one of the good things is, again, they come in monthly, quarterly, and so on to buy these investments.","start_word":3885,"end_word":3903,"sentiment":"positive","sentiment_score":0.42352908849716187},{"text":"We will send you out a little pack for our next catch up, and then, again, pretty deep dive when we do the annual review.","start_word":3904,"end_word":3928,"sentiment":"neutral","sentiment_score":0.2782444357872009},{"text":"Fantastic. Awesome, Okay, mate. Tommy. Thank you very much. You have a fantastic week. I will just send you a usual customer service message through to your phone.","start_word":3929,"end_word":3956,"sentiment":"positive","sentiment_score":0.584522008895874},{"text":"Anything Yep. else, mate, just give us a buzz back, but I've put down some file notes on your account so the team know.","start_word":3957,"end_word":3980,"sentiment":"neutral","sentiment_score":0.18368209898471832},{"text":"Really, really appreciate it, mate. Thank you. Awesome, man. You take care, and I'll talk to you soon. No worries, mate. Have a beautiful night. Bye. Thanks, Lee. Bye.","start_word":3981,"end_word":4009,"sentiment":"positive","sentiment_score":0.6383367776870728}],"average":{"sentiment":"neutral","sentiment_score":0.04531756003953802}}}}