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Mate, I'm just giving you a call to go through that quick catch up about the, the super portfolio if you still have a few minutes. Oh, probably about ten minutes max. So have you got time now, or is it not a good time now? Yeah. Cool. Awesome. So what I'll do, I'm just gonna quickly check security with you. I just need to run through a couple of things from your conversation with Connor, and then we should be sweet to to go and get all that fixed up. So I registered with adviser 1273105. Can I just confirm your date of birth and address? Yep. And then just residential address there, Shady? Sensational. And are you okay for the call to be recorded? Fantastic. Mate, the the main things for me in terms of superannuation portfolios is you've got a couple things going on at the moment. I can see here on the account that we're doing a bit of a sell down for compassionate release of super for the the surgery. So what I'm basically gonna do is I've been reviewing the portfolio, and Connor did flag that option that we're kind of phasing out given what's been going on lately, if that rings a bell. Perfect. So I won't be able to change anything until after the sell down's done, but what I'll do in the interim is I'm just gonna replace sorry, research the replacement options for you, update a strategy with, like, projections and figures so you can see it. And then if you're happy with that, we can sign off and get the investment switches going on. Now the two main things I wanted to check with you is because Hub twenty four has the most investment options in the industry, I need to narrow down those one three sorry, 1,300 options a little bit. Now I can we've got a few options we've been researching in any different style, and I really just wanna get a bit of your gut feeling and personal preference on this one. But we can replace it with a a lower fee option, or there's high fee options that try and get a higher return. And I just wanna get off your gut feeling. Which way do you lean between the two? Yep. So with that one option that's investing in those Australian shares, I'm basically gonna find a replacement fund manager for you. And I've got some there that reduce the fees of the investment by, like, 80%, and it just tracks the Australian stock market very, very closely for a very low fee. But then I can also replace it with another active manager that has outperformed the LG market, but is much more expensive than the passive option. They're both cheaper than what you've currently got. Cool. Now one good thing is even the the one I'm thinking of, it's actually a lower risk than what it's currently in. It's had a lot less volatility at the same scenarios and time periods, but it's had way better returns over one, three, five, and ten years, and it's about 10% cheaper too. So I'll mix that in. And, again, it's something that can be changed going forward again as well. We'll see how you go with it. And if that's not sort of doing its thing in a way that you like, we can always change it later as well. Cool. And just in terms of the risk profile, so you are in a high growth. You do have, like, 90% of your money in growth assets like shares, property, gold to get those high long term returns. Now at some point, Shadi, we do have to reduce that down because what let's say you build up a million dollars, you get high growth when you're 64 and lose half your super year before you go to retire. So I just wanted to check with you. Are you okay for me to maintain the high growth risk level and just do a bit of an engine tune up on the options inside it. Cool. Just bear in mind that I am expecting things to go up and down quite a bit the next six to twelve months, but seven, ten years, it averages out very, very well. And once we've built it up to a good amount, we will start to naturally talk to you about reducing that down from 90 percent. And as you get those last five to ten years, we'll drop it down to eighty, seventy, sixty, fifty, forty, and then you're off to a nice comfy pension account when you go to retire. Yeah. We've got time. We've got plenty of time, and we just kind of ride out those markets for for a couple of cycles. And once I get it up to that amount, then we'll we'll start to protect it more and more. Beautiful. So I'll go and put that updated strategy together for you. We'll get the sell down finished off for the surgery. Was there anything else I can kind of work into this that you needed? Yeah. No. That's perfect. And, look, one of the things that I need to take into account is anything that you tell me that gives me kind of your personal feelings and vibes, I mix that into the decision making process. But, ultimately, I will give you a recommendation of what I think you should do as well. Cool. And I know I think you've got a few things going on at the moment, so we'll keep track of the goals with you. We'll do another review and see how your life's going. And as you move into each phase, we'll just adapt the strategies to fit with what you're doing. Cool. And that just comes to do with things like, you know, budgeting, investing, insurances. At any point when it becomes important, we can have those discussions then. Beautiful. So from here, I did just get back from a bit of a holiday, so I'm a bit booked out for a couple of weeks. But I'm doing the research in the background while the sell down occurs. I'll get Michelle to touch base with you and book you in for that catch up, and I'll show you the figures in writing first. Beautiful. Any questions for me before I let you Awesome. Look. Seven minutes. I hope that wasn't too long of your day, mate, but I do appreciate you just taking a few moments with me. It really does help. Perfect, Shady. Alright, mate. I will get stuck into it for you, and I'll talk to you in a couple of weeks. No worries at all. Have a fantastic day. Yes. 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day, Shay. It's Tommy here from Mike View Financial, mate, senior adviser. How are you doing? Mate, I'm just giving you a call to go through that quick catch up about the, the super portfolio if you still have a few minutes. Oh, probably about ten minutes max.\n\nSo have you got time now, or is it not a good time now? Yeah. Cool. Awesome. So what I'll do, I'm just gonna quickly check security with you.\n\nI just need to run through a couple of things from your conversation with Connor, and then we should be sweet to to go and get all that fixed up. So I registered with adviser 1273105. Can I just confirm your date of birth and address? Yep. And then just residential address there, Shady?\n\nSensational. And are you okay for the call to be recorded? Fantastic. Mate, the the main things for me in terms of superannuation portfolios is you've got a couple things going on at the moment. I can see here on the account that we're doing a bit of a sell down for compassionate release of super for the the surgery.\n\nSo what I'm basically gonna do is I've been reviewing the portfolio, and Connor did flag that option that we're kind of phasing out given what's been going on lately, if that rings a bell. Perfect. So I won't be able to change anything until after the sell down's done, but what I'll do in the interim is I'm just gonna replace sorry, research the replacement options for you, update a strategy with, like, projections and figures so you can see it. And then if you're happy with that, we can sign off and get the investment switches going on. Now the two main things I wanted to check with you is because Hub twenty four has the most investment options in the industry, I need to narrow down those one three sorry, 1,300 options a little bit.\n\nNow I can we've got a few options we've been researching in any different style, and I really just wanna get a bit of your gut feeling and personal preference on this one. But we can replace it with a a lower fee option, or there's high fee options that try and get a higher return. And I just wanna get off your gut feeling. Which way do you lean between the two? Yep.\n\nSo with that one option that's investing in those Australian shares, I'm basically gonna find a replacement fund manager for you. And I've got some there that reduce the fees of the investment by, like, 80%, and it just tracks the Australian stock market very, very closely for a very low fee. But then I can also replace it with another active manager that has outperformed the LG market, but is much more expensive than the passive option. They're both cheaper than what you've currently got. Cool.\n\nNow one good thing is even the the one I'm thinking of, it's actually a lower risk than what it's currently in. It's had a lot less volatility at the same scenarios and time periods, but it's had way better returns over one, three, five, and ten years, and it's about 10% cheaper too. So I'll mix that in. And, again, it's something that can be changed going forward again as well. We'll see how you go with it.\n\nAnd if that's not sort of doing its thing in a way that you like, we can always change it later as well. Cool. And just in terms of the risk profile, so you are in a high growth. You do have, like, 90% of your money in growth assets like shares, property, gold to get those high long term returns. Now at some point, Shadi, we do have to reduce that down because what let's say you build up a million dollars, you get high growth when you're 64 and lose half your super year before you go to retire.\n\nSo I just wanted to check with you. Are you okay for me to maintain the high growth risk level and just do a bit of an engine tune up on the options inside it. Cool. Just bear in mind that I am expecting things to go up and down quite a bit the next six to twelve months, but seven, ten years, it averages out very, very well. And once we've built it up to a good amount, we will start to naturally talk to you about reducing that down from 90 percent.\n\nAnd as you get those last five to ten years, we'll drop it down to eighty, seventy, sixty, fifty, forty, and then you're off to a nice comfy pension account when you go to retire. Yeah. We've got time. We've got plenty of time, and we just kind of ride out those markets for for a couple of cycles. And once I get it up to that amount, then we'll we'll start to protect it more and more.\n\nBeautiful. So I'll go and put that updated strategy together for you. We'll get the sell down finished off for the surgery. Was there anything else I can kind of work into this that you needed? Yeah.\n\nNo. That's perfect. And, look, one of the things that I need to take into account is anything that you tell me that gives me kind of your personal feelings and vibes, I mix that into the decision making process. But, ultimately, I will give you a recommendation of what I think you should do as well. Cool.\n\nAnd I know I think you've got a few things going on at the moment, so we'll keep track of the goals with you. We'll do another review and see how your life's going. And as you move into each phase, we'll just adapt the strategies to fit with what you're doing. Cool. And that just comes to do with things like, you know, budgeting, investing, insurances.\n\nAt any point when it becomes important, we can have those discussions then. Beautiful. So from here, I did just get back from a bit of a holiday, so I'm a bit booked out for a couple of weeks. But I'm doing the research in the background while the sell down occurs. I'll get Michelle to touch base with you and book you in for that catch up, and I'll show you the figures in writing first.\n\nBeautiful. Any questions for me before I let you Awesome. Look. Seven minutes. I hope that wasn't too long of your day, mate, but I do appreciate you just taking a few moments with me.\n\nIt really does help. Perfect, Shady. Alright, mate. I will get stuck into it for you, and I'll talk to you in a couple of weeks. No worries at all.\n\nHave a fantastic day. Yes. Bye.","paragraphs":[{"sentences":[{"text":"Good day, Shay.","start":3.1999998,"end":3.84,"sentiment":"positive","sentiment_score":0.38601812720298767},{"text":"It's Tommy here from Mike View Financial, mate, senior adviser.","start":3.84,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.20748998671770097},{"text":"How are you doing?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.21243764460086823},{"text":"Mate, I'm just giving you a call to go through that quick catch up about the, the super portfolio if you still have a few minutes.","start":9.12,"end":14.925,"sentiment":"neutral","sentiment_score":0.08529844507575035},{"text":"Oh, probably about ten minutes max.","start":18.365,"end":19.965,"sentiment":"neutral","sentiment_score":-0.08487440273165703}],"sentiment":"neutral","sentiment_score":0.11818812209732678,"num_words":49,"start":3.1999998,"end":19.965},{"sentences":[{"text":"So have you got time now, or is it not a good time now?","start":19.965,"end":22.545,"sentiment":"neutral","sentiment_score":-0.10842041724494525},{"text":"Yeah.","start":24.605,"end":24.925,"sentiment":"neutral","sentiment_score":0.2572340667247772},{"text":"Cool.","start":24.925,"end":25.165,"sentiment":"positive","sentiment_score":0.4920879006385803},{"text":"Awesome.","start":25.165,"end":25.485,"sentiment":"positive","sentiment_score":0.5623923540115356},{"text":"So what I'll do, I'm just gonna quickly check security with you.","start":25.485,"end":28.26,"sentiment":"neutral","sentiment_score":0.20331612105170885}],"sentiment":"neutral","sentiment_score":0.07702144595055745,"num_words":29,"start":19.965,"end":28.26},{"sentences":[{"text":"I just need to run through a couple of things from your conversation with Connor, and then we should be sweet to to go and get all that fixed up.","start":28.74,"end":35.0,"sentiment":"neutral","sentiment_score":0.2088916003704071},{"text":"So I registered with adviser 1273105.","start":36.82,"end":41.16,"sentiment":"neutral","sentiment_score":0.03601398877799511},{"text":"Can I just confirm your date of birth and address?","start":41.54,"end":43.845,"sentiment":"neutral","sentiment_score":0.036376751214265826},{"text":"Yep.","start":48.085,"end":48.585,"sentiment":"neutral","sentiment_score":0.009284721687436104},{"text":"And then just residential address there, Shady?","start":50.965,"end":53.305,"sentiment":"neutral","sentiment_score":0.015077333099075727}],"sentiment":"neutral","sentiment_score":0.1289152872093298,"num_words":54,"start":28.74,"end":53.305},{"sentences":[{"text":"Sensational.","start":57.870003,"end":58.370003,"sentiment":"neutral","sentiment_score":-0.010608394630253317},{"text":"And are you okay for the call to be recorded?","start":58.510002,"end":60.21,"sentiment":"neutral","sentiment_score":0.0020178060047328474},{"text":"Fantastic.","start":62.190002,"end":62.690002,"sentiment":"positive","sentiment_score":0.5042276978492737},{"text":"Mate, the the main things for me in terms of superannuation portfolios is you've got a couple things going on at the moment.","start":62.75,"end":69.645,"sentiment":"neutral","sentiment_score":0.05906829788633015},{"text":"I can see here on the account that we're doing a bit of a sell down for compassionate release of super for the the surgery.","start":70.524994,"end":77.905,"sentiment":"neutral","sentiment_score":-0.06654767282307147}],"sentiment":"neutral","sentiment_score":0.0034779399012525875,"num_words":60,"start":57.870003,"end":77.905},{"sentences":[{"text":"So what I'm basically gonna do is I've been reviewing the portfolio, and Connor did flag that option that we're kind of phasing out given what's been going on lately, if that rings a bell.","start":79.564995,"end":90.57,"sentiment":"neutral","sentiment_score":-0.013329568239195006},{"text":"Perfect.","start":93.43,"end":93.91,"sentiment":"neutral","sentiment_score":0.30481868982315063},{"text":"So I won't be able to change anything until after the sell down's done, but what I'll do in the interim is I'm just gonna replace sorry, research the replacement options for you, update a strategy with, like, projections and figures so you can see it.","start":93.91,"end":108.27,"sentiment":"neutral","sentiment_score":0.05363823655668808},{"text":"And then if you're happy with that, we can sign off and get the investment switches going on.","start":108.35,"end":112.689995,"sentiment":"positive","sentiment_score":0.36990727567010456},{"text":"Now the two main things I wanted to check with you is because Hub twenty four has the most investment options in the industry, I need to narrow down those one three sorry, 1,300 options a little bit.","start":114.27,"end":125.91499,"sentiment":"neutral","sentiment_score":0.04370376227521583}],"sentiment":"neutral","sentiment_score":0.07699070008390624,"num_words":138,"start":79.564995,"end":125.91499},{"sentences":[{"text":"Now I can we've got a few options we've been researching in any different style, and I really just wanna get a bit of your gut feeling and personal preference on this one.","start":128.135,"end":137.22,"sentiment":"neutral","sentiment_score":0.12130371379581364},{"text":"But we can replace it with a a lower fee option, or there's high fee options that try and get a higher return.","start":137.54001,"end":146.12,"sentiment":"neutral","sentiment_score":0.04887745626594709},{"text":"And I just wanna get off your gut feeling.","start":146.42,"end":148.42,"sentiment":"neutral","sentiment_score":0.019308449907435313},{"text":"Which way do you lean between the two?","start":148.42,"end":150.28,"sentiment":"neutral","sentiment_score":-0.004564057569950819},{"text":"Yep.","start":157.705,"end":158.205,"sentiment":"neutral","sentiment_score":-0.008139364421367645}],"sentiment":"neutral","sentiment_score":0.07103146315627806,"num_words":74,"start":128.135,"end":158.205},{"sentences":[{"text":"So with that one option that's investing in those Australian shares, I'm basically gonna find a replacement fund manager for you.","start":178.13501,"end":185.035,"sentiment":"neutral","sentiment_score":0.059036621025630405},{"text":"And I've got some there that reduce the fees of the investment by, like, 80%, and it just tracks the Australian stock market very, very closely for a very low fee.","start":185.095,"end":194.64,"sentiment":"neutral","sentiment_score":0.15593415570835914},{"text":"But then I can also replace it with another active manager that has outperformed the LG market, but is much more expensive than the passive option.","start":194.78,"end":203.44,"sentiment":"neutral","sentiment_score":0.02311765502851743},{"text":"They're both cheaper than what you've currently got.","start":203.80501,"end":206.38501,"sentiment":"neutral","sentiment_score":0.04376015020534396},{"text":"Cool.","start":218.285,"end":218.785,"sentiment":"neutral","sentiment_score":0.31446072459220886}],"sentiment":"neutral","sentiment_score":0.08436010144222741,"num_words":87,"start":178.13501,"end":218.785},{"sentences":[{"text":"Now one good thing is even the the one I'm thinking of, it's actually a lower risk than what it's currently in.","start":219.14001,"end":225.8,"sentiment":"neutral","sentiment_score":0.27226338671012357},{"text":"It's had a lot less volatility at the same scenarios and time periods, but it's had way better returns over one, three, five, and ten years, and it's about 10% cheaper too.","start":225.94,"end":237.815,"sentiment":"positive","sentiment_score":0.33587974635884166},{"text":"So I'll mix that in.","start":239.955,"end":240.91501,"sentiment":"neutral","sentiment_score":0.10725883468985557},{"text":"And, again, it's something that can be changed going forward again as well.","start":240.91501,"end":244.29,"sentiment":"neutral","sentiment_score":0.20335176472480482},{"text":"We'll see how you go with it.","start":244.53,"end":245.81,"sentiment":"neutral","sentiment_score":0.24627129094941275}],"sentiment":"neutral","sentiment_score":0.2739457283876365,"num_words":79,"start":219.14001,"end":245.81},{"sentences":[{"text":"And if that's not sort of doing its thing in a way that you like, we can always change it later as well.","start":245.81,"end":251.34999,"sentiment":"neutral","sentiment_score":0.034337149690026825},{"text":"Cool.","start":253.25,"end":253.65,"sentiment":"positive","sentiment_score":0.5219129323959351},{"text":"And just in terms of the risk profile, so you are in a high growth.","start":253.65,"end":256.965,"sentiment":"neutral","sentiment_score":0.1673825999101003},{"text":"You do have, like, 90% of your money in growth assets like shares, property, gold to get those high long term returns.","start":257.365,"end":265.385,"sentiment":"neutral","sentiment_score":0.26727293702689087},{"text":"Now at some point, Shadi, we do have to reduce that down because what let's say you build up a million dollars, you get high growth when you're 64 and lose half your super year before you go to retire.","start":266.165,"end":277.44998,"sentiment":"neutral","sentiment_score":-0.04554931716993451}],"sentiment":"neutral","sentiment_score":0.07802414160111162,"num_words":101,"start":245.81,"end":277.44998},{"sentences":[{"text":"So I just wanted to check with you.","start":280.06998,"end":281.50998,"sentiment":"neutral","sentiment_score":0.08629089035093784},{"text":"Are you okay for me to maintain the high growth risk level and just do a bit of an engine tune up on the options inside it.","start":281.50998,"end":290.20502,"sentiment":"neutral","sentiment_score":0.09253556653857231},{"text":"Cool.","start":290.20502,"end":290.52502,"sentiment":"positive","sentiment_score":0.3341302275657654},{"text":"Just bear in mind that I am expecting things to go up and down quite a bit the next six to twelve months, but seven, ten years, it averages out very, very well.","start":290.52502,"end":299.24503,"sentiment":"neutral","sentiment_score":0.07901951693224185},{"text":"And once we've built it up to a good amount, we will start to naturally talk to you about reducing that down from 90 percent.","start":299.24503,"end":306.37,"sentiment":"neutral","sentiment_score":0.11069916605949402}],"sentiment":"neutral","sentiment_score":0.09466000911878779,"num_words":94,"start":280.06998,"end":306.37},{"sentences":[{"text":"And as you get those last five to ten years, we'll drop it down to eighty, seventy, sixty, fifty, forty, and then you're off to a nice comfy pension account when you go to retire.","start":306.59,"end":320.395,"sentiment":"neutral","sentiment_score":0.06848015561699868},{"text":"Yeah.","start":321.495,"end":321.815,"sentiment":"neutral","sentiment_score":0.046247098594903946},{"text":"We've got time.","start":321.815,"end":322.875,"sentiment":"neutral","sentiment_score":0.05009419098496437},{"text":"We've got plenty of time, and we just kind of ride out those markets for for a couple of cycles.","start":322.935,"end":328.315,"sentiment":"neutral","sentiment_score":0.06550863664597273},{"text":"And once I get it up to that amount, then we'll we'll start to protect it more and more.","start":328.71,"end":332.89,"sentiment":"neutral","sentiment_score":0.08466480084155735}],"sentiment":"neutral","sentiment_score":0.07066844957761276,"num_words":78,"start":306.59,"end":332.89},{"sentences":[{"text":"Beautiful.","start":335.35,"end":335.85,"sentiment":"positive","sentiment_score":0.5824077129364014},{"text":"So I'll go and put that updated strategy together for you.","start":335.91,"end":339.51,"sentiment":"positive","sentiment_score":0.40298639644276013},{"text":"We'll get the sell down finished off for the surgery.","start":339.51,"end":342.33,"sentiment":"neutral","sentiment_score":0.18385953679680825},{"text":"Was there anything else I can kind of work into this that you needed?","start":342.585,"end":346.205,"sentiment":"neutral","sentiment_score":0.11881478663001742},{"text":"Yeah.","start":361.56,"end":361.80002,"sentiment":"neutral","sentiment_score":-0.04723434895277023}],"sentiment":"neutral","sentiment_score":0.22891962447681943,"num_words":37,"start":335.35,"end":361.80002},{"sentences":[{"text":"No.","start":361.80002,"end":362.04,"sentiment":"neutral","sentiment_score":-0.11917492747306824},{"text":"That's perfect.","start":362.04,"end":362.68,"sentiment":"neutral","sentiment_score":0.25926367938518524},{"text":"And, look, one of the things that I need to take into account is anything that you tell me that gives me kind of your personal feelings and vibes, I mix that into the decision making process.","start":362.68,"end":371.76498,"sentiment":"neutral","sentiment_score":0.18751375941005913},{"text":"But, ultimately, I will give you a recommendation of what I think you should do as well.","start":371.82498,"end":375.685,"sentiment":"neutral","sentiment_score":0.25861427626189065},{"text":"Cool.","start":377.985,"end":378.305,"sentiment":"positive","sentiment_score":0.5767344236373901}],"sentiment":"neutral","sentiment_score":0.21225066637170725,"num_words":58,"start":361.80002,"end":378.305},{"sentences":[{"text":"And I know I think you've got a few things going on at the moment, so we'll keep track of the goals with you.","start":378.305,"end":383.31003,"sentiment":"neutral","sentiment_score":0.3238178454339504},{"text":"We'll do another review and see how your life's going.","start":383.31003,"end":386.05002,"sentiment":"neutral","sentiment_score":0.3056019008159637},{"text":"And as you move into each phase, we'll just adapt the strategies to fit with what you're doing.","start":386.19,"end":391.49002,"sentiment":"neutral","sentiment_score":0.27710674785905415},{"text":"Cool.","start":393.95,"end":394.27002,"sentiment":"neutral","sentiment_score":0.269170880317688},{"text":"And that just comes to do with things like, you know, budgeting, investing, insurances.","start":394.27002,"end":398.185,"sentiment":"neutral","sentiment_score":0.18826476910284587}],"sentiment":"neutral","sentiment_score":0.2794096478775366,"num_words":67,"start":378.305,"end":398.185},{"sentences":[{"text":"At any point when it becomes important, we can have those discussions then.","start":398.565,"end":402.505,"sentiment":"neutral","sentiment_score":0.1378300035229096},{"text":"Beautiful.","start":405.285,"end":405.785,"sentiment":"positive","sentiment_score":0.37289172410964966},{"text":"So from here, I did just get back from a bit of a holiday, so I'm a bit booked out for a couple of weeks.","start":405.845,"end":410.79,"sentiment":"neutral","sentiment_score":0.13207187950611116},{"text":"But I'm doing the research in the background while the sell down occurs.","start":411.11002,"end":414.49002,"sentiment":"neutral","sentiment_score":0.08543853461742401},{"text":"I'll get Michelle to touch base with you and book you in for that catch up, and I'll show you the figures in writing first.","start":414.79,"end":420.57,"sentiment":"neutral","sentiment_score":0.1527684199810028}],"sentiment":"neutral","sentiment_score":0.13501805463781605,"num_words":77,"start":398.565,"end":420.57},{"sentences":[{"text":"Beautiful.","start":423.43,"end":423.93,"sentiment":"neutral","sentiment_score":0.2889688014984131},{"text":"Any questions for me before I let you Awesome.","start":423.99002,"end":429.855,"sentiment":"neutral","sentiment_score":0.04952647371424569},{"text":"Look.","start":429.995,"end":430.315,"sentiment":"neutral","sentiment_score":0.032120589166879654},{"text":"Seven minutes.","start":430.315,"end":430.795,"sentiment":"neutral","sentiment_score":0.047037326730787754},{"text":"I hope that wasn't too long of your day, mate, but I do appreciate you just taking a few moments with me.","start":430.795,"end":434.715,"sentiment":"neutral","sentiment_score":0.05394478294659744}],"sentiment":"neutral","sentiment_score":0.05850535806800638,"num_words":35,"start":423.43,"end":434.715},{"sentences":[{"text":"It really does help.","start":434.715,"end":435.775,"sentiment":"neutral","sentiment_score":-0.17697924003005028},{"text":"Perfect, Shady.","start":440.80002,"end":441.62003,"sentiment":"positive","sentiment_score":0.49315936863422394},{"text":"Alright, mate.","start":441.68002,"end":442.24002,"sentiment":"neutral","sentiment_score":0.17401747405529022},{"text":"I will get stuck into it for you, and I'll talk to you in a couple of weeks.","start":442.24002,"end":445.7,"sentiment":"positive","sentiment_score":0.45334380120038986},{"text":"No worries at all.","start":447.68002,"end":448.56003,"sentiment":"positive","sentiment_score":0.592031791806221}],"sentiment":"positive","sentiment_score":0.37182507713635765,"num_words":30,"start":434.715,"end":448.56003},{"sentences":[{"text":"Have a fantastic day.","start":448.56003,"end":449.78003,"sentiment":"positive","sentiment_score":0.7942603826522827},{"text":"Yes.","start":451.36002,"end":451.68002,"sentiment":"neutral","sentiment_score":0.2043585479259491},{"text":"Bye.","start":451.68002,"end":452.18002,"sentiment":"neutral","sentiment_score":-0.11386778205633163}],"sentiment":"positive","sentiment_score":0.5445887160797914,"num_words":6,"start":448.56003,"end":452.18002}]}}]},{"alternatives":[{"transcript":"Hello? Yeah. Good. Thank you. Yeah. How long would this take? Sorry. Yeah. Yeah. Yeah. It should be fine. Yep. Yep. Date of the 04/20 '8 Chrysler Price points, 214 5. Yep. That's fine. Yep. Yep. Yep. Yep. Yep. We talked to that yesterday. Yep. Yep. Yep. Okay. Yep. Yep. Obviously, we always have the higher return if we can, but, obviously, there's higher risk. So I just don't know how much roughly will be invested into it. Into that. What we you mean the the overall, the whole, or that the whole what you mean? Yep. Yes. Yes. Okay. Okay. Maybe we'll go with the higher risk one. Yeah. Yep. Yep. Yep. Okay. Alright. Okay. Yep. Yep. Yeah. Yeah. I tried. Yeah. Yeah. Yes. Yes. That sounds good. Yeah. Yes. We have some. We have some. Yeah. Yeah. Yeah. Okay. Yep. Not really because I don't know a lot about the whole thing roughly. So it's it's I don't know. It's fixed. You know what I mean? I'm just sort of going off what you're telling me, and I'm just sort of going with me gut a little bit. I can't really do any more than that, to be honest. Okay. Yeah. Sounds good. Okay. Yep. Okay. Yep. Yep. Okay. That works. No. Not really. No. No. It's okay. I'll just wait for a phone call, but it's all good. It's worked out well. Thank you, mate. Appreciate it. Thank you. You too. 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risk.","start":154.775,"end":160.075,"sentiment":"neutral","sentiment_score":-0.08102267881234487},{"text":"So I just don't know how much roughly will be invested into it.","start":160.375,"end":171.19,"sentiment":"neutral","sentiment_score":-0.15693321365576524}],"sentiment":"neutral","sentiment_score":-0.09908178536927388,"num_words":31,"start":113.375,"end":171.19},{"sentences":[{"text":"Into that.","start":171.25,"end":171.99,"sentiment":"neutral","sentiment_score":-0.11620045453310013},{"text":"What we you mean the the overall, the whole, or that the whole what you 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one.","start":215.435,"end":217.45499,"sentiment":"neutral","sentiment_score":-0.008682623039931059},{"text":"Yeah.","start":223.11499,"end":223.29,"sentiment":"neutral","sentiment_score":0.25420400500297546},{"text":"Yep.","start":226.32999,"end":226.82999,"sentiment":"neutral","sentiment_score":0.30785268545150757}],"sentiment":"neutral","sentiment_score":0.041115129521737494,"num_words":12,"start":207.49,"end":226.82999},{"sentences":[{"text":"Yep.","start":231.04999,"end":231.54999,"sentiment":"neutral","sentiment_score":0.2586059868335724},{"text":"Yep.","start":232.40999,"end":232.90999,"sentiment":"neutral","sentiment_score":0.30746030807495117},{"text":"Okay.","start":238.775,"end":239.275,"sentiment":"neutral","sentiment_score":0.15511299669742584},{"text":"Alright.","start":239.575,"end":240.075,"sentiment":"neutral","sentiment_score":0.1295515149831772},{"text":"Okay.","start":252.45999,"end":252.86,"sentiment":"neutral","sentiment_score":0.2178976684808731}],"sentiment":"neutral","sentiment_score":0.21372569501399993,"num_words":5,"start":231.04999,"end":252.86},{"sentences":[{"text":"Yep.","start":252.86,"end":253.36,"sentiment":"neutral","sentiment_score":0.3274794816970825},{"text":"Yep.","start":258.13998,"end":258.63998,"sentiment":"neutral","sentiment_score":0.223126620054245},{"text":"Yeah.","start":265.98,"end":266.46,"sentiment":"neutral","sentiment_score":0.04131066054105759},{"text":"Yeah.","start":266.46,"end":266.805,"sentiment":"neutral","sentiment_score":0.0044656358659267426},{"text":"I 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roughly.","start":348.04,"end":350.84,"sentiment":"neutral","sentiment_score":-0.2601964290325458}],"sentiment":"neutral","sentiment_score":-0.1528821736574173,"num_words":17,"start":333.025,"end":350.84},{"sentences":[{"text":"So it's it's I don't know.","start":350.84,"end":353.24,"sentiment":"neutral","sentiment_score":-0.17500418921311697},{"text":"It's fixed.","start":353.24,"end":353.56,"sentiment":"neutral","sentiment_score":-0.2206372171640396},{"text":"You know what I mean?","start":353.56,"end":354.2,"sentiment":"neutral","sentiment_score":-0.10006750077009201},{"text":"I'm just sort of going off what you're telling me, and I'm just sort of going with me gut a little bit.","start":354.2,"end":358.51498,"sentiment":"neutral","sentiment_score":-0.18550581925294615},{"text":"I can't really do any more than that, to be 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good.","start":436.39,"end":439.19,"sentiment":"neutral","sentiment_score":0.2718675150112672},{"text":"It's worked out well.","start":439.19,"end":440.25,"sentiment":"positive","sentiment_score":0.563283696770668},{"text":"Thank you, mate.","start":446.005,"end":446.725,"sentiment":"positive","sentiment_score":0.8481716712315878},{"text":"Appreciate it.","start":446.725,"end":447.625,"sentiment":"positive","sentiment_score":0.8311404883861542},{"text":"Thank you.","start":449.845,"end":450.325,"sentiment":"positive","sentiment_score":0.8071948885917664}],"sentiment":"positive","sentiment_score":0.502948328175328,"num_words":22,"start":436.39,"end":450.325},{"sentences":[{"text":"You too.","start":450.325,"end":450.98502,"sentiment":"positive","sentiment_score":0.5754433572292328},{"text":"Bye.","start":451.045,"end":451.545,"sentiment":"neutral","sentiment_score":0.32675883173942566}],"sentiment":"positive","sentiment_score":0.49254851539929706,"num_words":3,"start":450.325,"end":451.545}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good day, Shay. It's Tommy here from Mike View Financial, mate, senior adviser. How are you doing?\n\nChannel 1: Yeah. Good. Thank you.\n\nChannel 0: Mate, I'm just giving you a call to go through that quick catch up about the, the super portfolio if you still have a few minutes.\n\nChannel 1: Yeah. How long would this take? Sorry.\n\nChannel 0: Oh, probably about ten minutes max. So have you got time now, or is it not a good time now?\n\nChannel 1: Yeah. Yeah. Yeah. It should be fine.\n\nChannel 0: Yeah. Cool. Awesome. So what I'll do, I'm just gonna quickly check security with you. I just need\n\nChannel 1: Yep.\n\nChannel 0: to run through a couple of things from your conversation with Connor, and then we should be sweet to to go and get all that fixed up.\n\nChannel 1: Yep.\n\nChannel 0: So I registered with adviser 1273105. Can I just confirm your date of birth and address?\n\nChannel 1: Date of the 04/20\n\nChannel 0: Yep.\n\nChannel 1: '8\n\nChannel 0: And then just residential address there, Shady?\n\nChannel 1: Chrysler Price points, 214\n\nChannel 0: Sensational. And are you okay for the call to be recorded?\n\nChannel 1: 5. Yep. That's fine.\n\nChannel 0: Fantastic. Mate, the the main things for me in terms of superannuation portfolios is you've got a couple things going on at the moment.\n\nChannel 1: Yep.\n\nChannel 0: I can see here on the account that we're doing a bit of a sell down for compassionate release of super for the\n\nChannel 1: Yep.\n\nChannel 0: the surgery.\n\nChannel 1: Yep.\n\nChannel 0: So what I'm basically gonna do is I've been reviewing the portfolio, and Connor did flag that option that we're kind of phasing out given what's been going on lately, if that rings a bell.\n\nChannel 1: Yep. Yep. We talked to that yesterday. Yep.\n\nChannel 0: Perfect. So I won't be able to change anything until after the sell down's done, but what I'll do in the interim is I'm just gonna replace sorry, research the replacement options for you, update a\n\nChannel 1: Yep.\n\nChannel 0: strategy with, like, projections and figures so you can see it. And then if you're happy with that, we can sign off and get the investment switches going on.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Now the two main things I wanted to check with you is because Hub twenty four has the most investment options in the industry, I need to narrow\n\nChannel 1: Yep.\n\nChannel 0: down those one three sorry, 1,300 options a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Now I can we've got a few options we've been researching in any different style, and I really just wanna get a bit of your gut feeling and personal preference on this one. But we can replace it with a a lower fee option, or there's high fee options that try and get a higher return. And I just wanna get off your gut feeling. Which way do you lean between the two?\n\nChannel 1: Obviously, we always have the higher return if we can,\n\nChannel 0: Yep.\n\nChannel 1: but, obviously, there's higher risk. So I just don't know how much roughly will be invested into it. Into that. What we you mean the the overall, the whole, or that the whole what you mean?\n\nChannel 0: So with that one option that's investing in those Australian shares, I'm basically gonna find a replacement fund manager for you. And I've got\n\nChannel 1: Yep.\n\nChannel 0: some there that reduce the fees of the investment by, like, 80%, and it just tracks the Australian stock market very, very closely for a very low fee.\n\nChannel 1: Yes.\n\nChannel 0: But then I can also replace it with another active manager that has outperformed the LG market, but is much more expensive than the passive option. They're both\n\nChannel 1: Yes.\n\nChannel 0: cheaper than what you've currently got.\n\nChannel 1: Okay. Okay. Maybe we'll go with the higher risk one.\n\nChannel 0: Cool. Now one good thing is even the the one I'm thinking of, it's\n\nChannel 1: Yeah.\n\nChannel 0: actually a lower risk than what it's currently in. It's\n\nChannel 1: Yep.\n\nChannel 0: had a lot less volatility at the same scenarios and time periods,\n\nChannel 1: Yep.\n\nChannel 0: but it's had\n\nChannel 1: Yep.\n\nChannel 0: way better returns over one, three, five, and ten years, and it's about 10% cheaper too.\n\nChannel 1: Okay. Alright.\n\nChannel 0: So I'll mix that in. And, again, it's something that can be changed going forward again as well. We'll see how you go with it. And if that's not sort of doing its thing in a way that you like, we can always change it later as well.\n\nChannel 1: Okay. Yep.\n\nChannel 0: Cool. And just in terms of the risk profile, so you are in a high growth. You do have, like,\n\nChannel 1: Yep.\n\nChannel 0: 90% of your money in growth assets like shares, property, gold to get those high long term returns.\n\nChannel 1: Yeah.\n\nChannel 0: Now\n\nChannel 1: Yeah.\n\nChannel 0: at some point, Shadi, we do have to reduce that down because what let's say you build up a million dollars, you get high growth when you're 64 and lose half your super year before you go to retire.\n\nChannel 1: I tried. Yeah. Yeah.\n\nChannel 0: So I just wanted to check with you. Are you okay for me to maintain the high growth risk level and just do a bit of an engine tune up on the options\n\nChannel 1: Yes. Yes. That sounds good.\n\nChannel 0: inside it. Cool. Just bear in mind that I am expecting things to go up and down quite a bit the next six to twelve months, but seven, ten years, it averages out very, very well. And once we've built it up to a good amount, we will start to naturally talk to you about reducing that down from 90\n\nChannel 1: Yeah.\n\nChannel 0: percent. And as you get those last five to ten years, we'll drop\n\nChannel 1: Yes.\n\nChannel 0: it down to eighty, seventy, sixty, fifty, forty, and then you're off to a nice comfy pension account when you go to\n\nChannel 1: We have some. We have some.\n\nChannel 0: retire. Yeah. We've got time. We've got plenty of time, and we just kind of ride out those markets for for a couple of cycles. And once\n\nChannel 1: Yeah.\n\nChannel 0: I get it up to that amount, then we'll we'll start to protect it more and more.\n\nChannel 1: Yeah. Yeah. Okay.\n\nChannel 0: Beautiful. So I'll go and put that updated strategy together for you. We'll get the sell\n\nChannel 1: Yep.\n\nChannel 0: down finished off for the surgery. Was there anything else I can kind of work into this that you needed?\n\nChannel 1: Not really because I don't know a lot about the whole thing roughly. So it's it's I don't know. It's fixed. You know what I mean? I'm just sort of going off what you're telling me, and I'm just sort of going with me gut a little bit.\n\nI can't really do any more than that, to be honest.\n\nChannel 0: Yeah. No. That's perfect. And, look, one of the things that I need to take into account is anything that you tell me that gives me kind of your personal feelings and vibes, I mix that into the decision making process. But, ultimately, I will give you a recommendation of what I think you should do as well.\n\nChannel 1: Okay. Yeah. Sounds good.\n\nChannel 0: Cool. And I know I think you've got a few things going on at the moment, so we'll keep track of the goals with you. We'll do another review and see how your life's going. And as you move into each phase, we'll just adapt the strategies to fit with what you're doing.\n\nChannel 1: Okay.\n\nChannel 0: Cool. And that just comes to do with things like, you know, budgeting, investing, insurances. At any point when it becomes important, we can have those discussions then.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Beautiful. So from here, I did just get back from a bit of a holiday, so I'm a bit booked out for a couple of weeks. But\n\nChannel 1: Yep.\n\nChannel 0: I'm doing the research in the background while the sell down occurs. I'll get\n\nChannel 1: Yep.\n\nChannel 0: Michelle to touch base with you and book you in for that catch up, and I'll show you the figures in writing first.\n\nChannel 1: Okay. That works.\n\nChannel 0: Beautiful. Any questions for me before I let you\n\nChannel 1: No. Not really.\n\nChannel 0: Awesome. Look. Seven minutes. I hope that wasn't too long of your day, mate, but I do appreciate you just taking a few moments\n\nChannel 1: No.\n\nChannel 0: with me. It really does\n\nChannel 1: No.\n\nChannel 0: help.\n\nChannel 1: It's okay. I'll just wait for a phone call, but it's all good. It's worked out well.\n\nChannel 0: Perfect, Shady. Alright, mate. I will get stuck into it for you, and I'll talk to you in a couple of weeks.\n\nChannel 1: Thank you, mate. Appreciate it.\n\nChannel 0: No worries at all. Have a fantastic day.\n\nChannel 1: Thank you. You too. Bye.\n\nChannel 0: Yes. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.0512041375041008}],"sentiment":"neutral","sentiment_score":0.0512041375041008,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Good day, Shay.","start":3.1999998,"end":3.84,"sentiment":"positive","sentiment_score":0.38601812720298767},{"text":"It's Tommy here from Mike View Financial, mate, senior adviser.","start":3.84,"end":6.3199997,"sentiment":"neutral","sentiment_score":0.20748998671770097},{"text":"How are you doing?","start":6.3199997,"end":7.14,"sentiment":"neutral","sentiment_score":0.21243764460086823}],"sentiment":"neutral","sentiment_score":0.24015910748173208,"channel":0,"num_words":17,"start":3.1999998,"end":7.14},{"sentences":[{"text":"Yeah.","start":7.3599997,"end":7.68,"sentiment":"neutral","sentiment_score":0.2905691862106323},{"text":"Good.","start":7.68,"end":7.9199996,"sentiment":"positive","sentiment_score":0.5652060508728027},{"text":"Thank you.","start":7.9199996,"end":8.66,"sentiment":"positive","sentiment_score":0.6249300837516785}],"sentiment":"positive","sentiment_score":0.526408851146698,"channel":1,"num_words":4,"start":7.3599997,"end":8.66},{"sentences":[{"text":"Mate, I'm just giving you a call to go through that quick catch up about the, the super portfolio if you still have a few minutes.","start":9.12,"end":14.925,"sentiment":"neutral","sentiment_score":0.08529844507575035}],"sentiment":"neutral","sentiment_score":0.08529844507575035,"channel":0,"num_words":26,"start":9.12,"end":14.925},{"sentences":[{"text":"Yeah.","start":16.055,"end":16.455,"sentiment":"neutral","sentiment_score":-0.014099959284067154},{"text":"How long would this take?","start":16.455,"end":17.335,"sentiment":"neutral","sentiment_score":-0.03317404091358185},{"text":"Sorry.","start":17.335,"end":17.835,"sentiment":"neutral","sentiment_score":-0.11103928089141846}],"sentiment":"neutral","sentiment_score":-0.04157277782048498,"channel":1,"num_words":7,"start":16.055,"end":17.835},{"sentences":[{"text":"Oh, probably about ten minutes max.","start":18.365,"end":19.965,"sentiment":"neutral","sentiment_score":-0.08487440273165703},{"text":"So have you got time now, or is it not a good time now?","start":19.965,"end":22.545,"sentiment":"neutral","sentiment_score":-0.10842041724494525}],"sentiment":"neutral","sentiment_score":-0.10135661289095879,"channel":0,"num_words":20,"start":18.365,"end":22.545},{"sentences":[{"text":"Yeah.","start":22.375,"end":22.615,"sentiment":"neutral","sentiment_score":0.013713257387280464},{"text":"Yeah.","start":22.615,"end":22.855,"sentiment":"neutral","sentiment_score":0.04111374542117119},{"text":"Yeah.","start":22.855,"end":23.255,"sentiment":"neutral","sentiment_score":0.09842313826084136},{"text":"It should be 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up.","start":29.3,"end":35.0,"sentiment":"neutral","sentiment_score":0.21470244725545248}],"sentiment":"neutral","sentiment_score":0.21470244725545248,"channel":0,"num_words":27,"start":29.3,"end":35.0},{"sentences":[{"text":"Yep.","start":35.67,"end":36.17,"sentiment":"neutral","sentiment_score":0.05888606235384941}],"sentiment":"neutral","sentiment_score":0.05888606235384941,"channel":1,"num_words":1,"start":35.67,"end":36.17},{"sentences":[{"text":"So I registered with adviser 1273105.","start":36.82,"end":41.16,"sentiment":"neutral","sentiment_score":0.03601398877799511},{"text":"Can I just confirm your date of birth and address?","start":41.54,"end":43.845,"sentiment":"neutral","sentiment_score":0.036376751214265826}],"sentiment":"neutral","sentiment_score":0.036240715300664306,"channel":0,"num_words":16,"start":36.82,"end":43.845},{"sentences":[{"text":"Date of the 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roughly.","start":348.04,"end":350.84,"sentiment":"neutral","sentiment_score":-0.2601964290325458},{"text":"So it's it's I don't know.","start":350.84,"end":353.24,"sentiment":"neutral","sentiment_score":-0.17500418921311697},{"text":"It's fixed.","start":353.24,"end":353.56,"sentiment":"neutral","sentiment_score":-0.2206372171640396},{"text":"You know what I mean?","start":353.56,"end":354.2,"sentiment":"neutral","sentiment_score":-0.10006750077009201},{"text":"I'm just sort of going off what you're telling me, and I'm just sort of going with me gut a little bit.","start":354.2,"end":358.51498,"sentiment":"neutral","sentiment_score":-0.18550581925294615}],"sentiment":"neutral","sentiment_score":-0.19698580571760735,"channel":1,"num_words":48,"start":348.04,"end":358.51498},{"sentences":[{"text":"I can't really do any more than that, to be 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budgeting, investing, insurances.","start":394.27002,"end":398.185,"sentiment":"neutral","sentiment_score":0.18826476910284587},{"text":"At any point when it becomes important, we can have those discussions then.","start":398.565,"end":402.505,"sentiment":"neutral","sentiment_score":0.1378300035229096}],"sentiment":"neutral","sentiment_score":0.16773813191269124,"channel":0,"num_words":28,"start":393.95,"end":402.505},{"sentences":[{"text":"Yep.","start":403.37,"end":403.77002,"sentiment":"neutral","sentiment_score":0.11788630485534668},{"text":"Okay.","start":403.77002,"end":404.27002,"sentiment":"neutral","sentiment_score":0.2144586443901062}],"sentiment":"neutral","sentiment_score":0.16617247462272644,"channel":1,"num_words":2,"start":403.37,"end":404.27002},{"sentences":[{"text":"Beautiful.","start":405.285,"end":405.785,"sentiment":"positive","sentiment_score":0.37289172410964966},{"text":"So from here, I did just get back from a bit of a holiday, so I'm a bit booked out for a couple of weeks.","start":405.845,"end":410.79,"sentiment":"neutral","sentiment_score":0.13207187950611116},{"text":"But","start":411.11002,"end":411.59,"sentiment":"neutral","sentiment_score":0.0976819396018982}],"sentiment":"neutral","sentiment_score":0.1397174315320121,"channel":0,"num_words":27,"start":405.285,"end":411.59},{"sentences":[{"text":"Yep.","start":411.37,"end":411.585,"sentiment":"neutral","sentiment_score":0.08213778585195541}],"sentiment":"neutral","sentiment_score":0.08213778585195541,"channel":1,"num_words":1,"start":411.37,"end":411.585},{"sentences":[{"text":"I'm doing the research in the background while the sell down occurs.","start":411.59,"end":414.49002,"sentiment":"neutral","sentiment_score":0.08441825086871783},{"text":"I'll 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moments","start":430.795,"end":434.395,"sentiment":"neutral","sentiment_score":0.07337509710341691}],"sentiment":"neutral","sentiment_score":0.06968736221703391,"channel":0,"num_words":24,"start":429.355,"end":434.395},{"sentences":[{"text":"No.","start":434.23,"end":434.73,"sentiment":"neutral","sentiment_score":-0.12259431183338164}],"sentiment":"neutral","sentiment_score":-0.12259431183338164,"channel":1,"num_words":1,"start":434.23,"end":434.73},{"sentences":[{"text":"with me.","start":434.395,"end":434.715,"sentiment":"neutral","sentiment_score":-0.1403583586215973},{"text":"It really 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out well.","start":439.19,"end":440.25,"sentiment":"positive","sentiment_score":0.563283696770668}],"sentiment":"neutral","sentiment_score":0.3222053335870014,"channel":1,"num_words":17,"start":435.83002,"end":440.25},{"sentences":[{"text":"Perfect, Shady.","start":440.80002,"end":441.62003,"sentiment":"positive","sentiment_score":0.49315936863422394},{"text":"Alright, mate.","start":441.68002,"end":442.24002,"sentiment":"neutral","sentiment_score":0.17401747405529022},{"text":"I will get stuck into it for you, and I'll talk to you in a couple of weeks.","start":442.24002,"end":445.7,"sentiment":"positive","sentiment_score":0.45334380120038986}],"sentiment":"positive","sentiment_score":0.431570095772093,"channel":0,"num_words":22,"start":440.80002,"end":445.7},{"sentences":[{"text":"Thank you, mate.","start":446.005,"end":446.725,"sentiment":"positive","sentiment_score":0.8481716712315878},{"text":"Appreciate 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They suggest a new investment option that is cheaper and has a longer return period. The speakers discuss risk profiles and the possibility of reducing risk levels and putting a new strategy together. They also suggest reducing risk levels and adjusting options for retirement plans, and mention personal feedback and a recommendation for the customer's feelings. The speaker is booked for a few weeks but will catch up with Shay in a few weeks."},"intents":{"segments":[{"text":"So what I'll do, I'm just gonna quickly check security with you. I just need Yep. to run through a couple of things from your conversation with Connor, and then we should be sweet to to go and get all that fixed up. Yep.","start_word":85,"end_word":128,"intents":[{"intent":"Fix super portfolio","confidence_score":0.035228763}]},{"text":"Now the two main things I wanted to check with you is because Hub twenty four has the most investment options in the industry, I need to narrow Yep. down those one three sorry, 1,300 options a little bit. Yep.","start_word":340,"end_word":379,"intents":[{"intent":"Evaluate investment options","confidence_score":0.03821247}]},{"text":"And just in terms of the risk profile, so you are in a high growth. You do have, like, Yep. 90% of your money in growth assets like shares, property, gold to get those high long term returns. Yeah. Now Yeah.","start_word":711,"end_word":751,"intents":[{"intent":"Decide on risk profile","confidence_score":5.487105e-7}]},{"text":"at some point, Shadi, we do have to reduce that down because what let's say you build up a million dollars, you get high growth when you're 64 and lose half your super year before you go to retire. I tried.","start_word":752,"end_word":792,"intents":[{"intent":"Reduce risk level","confidence_score":0.051669497}]},{"text":"We have some. retire. Yeah.","start_word":933,"end_word":937,"intents":[{"intent":"Plan on retirement","confidence_score":0.0038786244},{"intent":"Plan on retirement","confidence_score":0.002732101}]},{"text":"And, look, one of the things that I need to take into account is anything that you tell me that gives me kind of your personal feelings and vibes, I mix that into the decision making process. But, ultimately, I will give you a recommendation of what I think you should do as well. Okay.","start_word":1084,"end_word":1138,"intents":[{"intent":"Recommend decisions","confidence_score":0.0025869848}]},{"text":"And I know I think you've got a few things going on at the moment, so we'll keep track of the goals with you. We'll do another review and see how your life's going. And as you move into each phase, we'll just adapt the strategies to fit with what you're doing. Okay. Cool.","start_word":1143,"end_word":1196,"intents":[{"intent":"Set goals","confidence_score":0.013862059}]},{"text":"Michelle to touch base with you and book you in for that catch up, and I'll show you the figures in writing first. Okay.","start_word":1269,"end_word":1292,"intents":[{"intent":"Book catch up","confidence_score":0.0003358039}]}]},"sentiments":{"segments":[{"text":"Hello?","start_word":0,"end_word":0,"sentiment":"neutral","sentiment_score":0.0512041375041008},{"text":"Good day, Shay.","start_word":1,"end_word":3,"sentiment":"positive","sentiment_score":0.3729917705059051},{"text":"It's Tommy here from Mike View Financial, mate, senior adviser. How are you doing? Yeah.","start_word":4,"end_word":18,"sentiment":"neutral","sentiment_score":0.22700144350528717},{"text":"Good. Thank you.","start_word":19,"end_word":21,"sentiment":"positive","sentiment_score":0.5888951420783997},{"text":"Mate, I'm just giving you a call to go through that quick catch up about the, the super portfolio if you still have a few minutes. Yeah. How long would this take? Sorry. Oh, probably about ten minutes max. So have you got time now, or is it not a good time now? Yeah. Yeah. Yeah. It should be fine. Yeah.","start_word":22,"end_word":82,"sentiment":"neutral","sentiment_score":0.020792905241250992},{"text":"Cool. Awesome.","start_word":83,"end_word":84,"sentiment":"positive","sentiment_score":0.5272401571273804},{"text":"So what I'll do, I'm just gonna quickly check security with you. I just need Yep. to run through a couple of things from your conversation with Connor, and then we should be sweet to to go and get all that fixed up. Yep. So I registered with adviser 1273105. Can I just confirm your date of birth and address? Date of the 04/20 Yep. '8 And then just residential address there, Shady? Chrysler Price points, 214 Sensational. And are you okay for the call to be recorded? 5. Yep. That's fine.","start_word":85,"end_word":176,"sentiment":"neutral","sentiment_score":0.10254325717687608},{"text":"Fantastic.","start_word":177,"end_word":177,"sentiment":"positive","sentiment_score":0.5042276978492737},{"text":"Mate, the the main things for me in terms of superannuation portfolios is you've got a couple things going on at the moment. Yep. I can see here on the account that we're doing a bit of a sell down for compassionate release of super for the Yep. the surgery. Yep. So what I'm basically gonna do is I've been reviewing the portfolio, and Connor did flag that option that we're kind of phasing out given what's been going on lately, if that rings a bell. Yep. Yep. We talked to that yesterday. Yep. Perfect. So I won't be able to change anything until after the sell down's done, but what I'll do in the interim is I'm just gonna replace sorry, research the replacement options for you, update a Yep. strategy with, like, projections and figures so you can see it.","start_word":178,"end_word":319,"sentiment":"neutral","sentiment_score":0.02069423533976078},{"text":"And then if you're happy with that, we can sign off and get the investment switches going on.","start_word":320,"end_word":337,"sentiment":"positive","sentiment_score":0.37642401456832886},{"text":"Yep. Okay. Now the two main things I wanted to check with you is because Hub twenty four has the most investment options in the industry, I need to narrow Yep. down those one three sorry, 1,300 options a little bit. Yep. Now I can we've got a few options we've been researching in any different style, and I really just wanna get a bit of your gut feeling and personal preference on this one. But we can replace it with a a lower fee option, or there's high fee options that try and get a higher return. And I just wanna get off your gut feeling. Which way do you lean between the two? Obviously, we always have the higher return if we can, Yep. but, obviously, there's higher risk. So I just don't know how much roughly will be invested into it. Into that. What we you mean the the overall, the whole, or that the whole what you mean? So with that one option that's investing in those Australian shares, I'm basically gonna find a replacement fund manager for you. And I've got Yep. some there that reduce the fees of the investment by, like, 80%, and it just tracks the Australian stock market very, very closely for a very low fee. Yes. But then I can also replace it with another active manager that has outperformed the LG market, but is much more expensive than the passive option. They're both Yes. cheaper than what you've currently got. Okay. Okay. Maybe we'll go with the higher risk one. Cool. Now one good thing is even the the one I'm thinking of, it's Yeah. actually a lower risk than what it's currently in. It's Yep. had a lot less volatility at the same scenarios and time periods, Yep. but it's had Yep.","start_word":338,"end_word":641,"sentiment":"neutral","sentiment_score":0.07672423124313354},{"text":"way better returns over one, three, five, and ten years, and it's about 10% cheaper too.","start_word":642,"end_word":657,"sentiment":"positive","sentiment_score":0.41527292132377625},{"text":"Okay. Alright. So I'll mix that in. And, again, it's something that can be changed going forward again as well. We'll see how you go with it. And if that's not sort of doing its thing in a way that you like, we can always change it later as well. Okay. Yep.","start_word":658,"end_word":709,"sentiment":"neutral","sentiment_score":0.13104213229738748},{"text":"Cool.","start_word":710,"end_word":710,"sentiment":"positive","sentiment_score":0.5219129323959351},{"text":"And just in terms of the risk profile, so you are in a high growth. You do have, like, Yep. 90% of your money in growth assets like shares, property, gold to get those high long term returns. Yeah. Now Yeah. at some point, Shadi, we do have to reduce that down because what let's say you build up a million dollars, you get high growth when you're 64 and lose half your super year before you go to retire. I tried. Yeah. Yeah. So I just wanted to check with you. Are you okay for me to maintain the high growth risk level and just do a bit of an engine tune up on the options Yes. Yes.","start_word":711,"end_word":829,"sentiment":"neutral","sentiment_score":0.08378199487924576},{"text":"That sounds good.","start_word":830,"end_word":832,"sentiment":"positive","sentiment_score":0.4833948612213135},{"text":"inside it.","start_word":833,"end_word":834,"sentiment":"neutral","sentiment_score":0.26593953371047974},{"text":"Cool.","start_word":835,"end_word":835,"sentiment":"positive","sentiment_score":0.3341302275657654},{"text":"Just bear in mind that I am expecting things to go up and down quite a bit the next six to twelve months, but seven, ten years, it averages out very, very well. And once we've built it up to a good amount, we will start to naturally talk to you about reducing that down from 90 Yeah. percent. And as you get those last five to ten years, we'll drop Yes. it down to eighty, seventy, sixty, fifty, forty, and then you're off to a nice comfy pension account when you go to We have some. We have some. retire. Yeah. We've got time. We've got plenty of time, and we just kind of ride out those markets for for a couple of cycles. And once Yeah. I get it up to that amount, then we'll we'll start to protect it more and more. Yeah. Yeah.","start_word":836,"end_word":982,"sentiment":"neutral","sentiment_score":0.07773050665855408},{"text":"Okay. Beautiful. So I'll go and put that updated strategy together for you.","start_word":983,"end_word":995,"sentiment":"positive","sentiment_score":0.41546630859375},{"text":"We'll get the sell Yep. down finished off for the surgery. Was there anything else I can kind of work into this that you needed? Not really because I don't know a lot about the whole thing roughly. So it's it's I don't know. It's fixed. You know what I mean? I'm just sort of going off what you're telling me, and I'm just sort of going with me gut a little bit. I can't really do any more than that, to be honest. Yeah. No. That's perfect. And, look, one of the things that I need to take into account is anything that you tell me that gives me kind of your personal feelings and vibes, I mix that into the decision making process. But, ultimately, I will give you a recommendation of what I think you should do as well. Okay.","start_word":996,"end_word":1138,"sentiment":"neutral","sentiment_score":0.009611357993387677},{"text":"Yeah. Sounds good. Cool.","start_word":1139,"end_word":1142,"sentiment":"positive","sentiment_score":0.532049298286438},{"text":"And I know I think you've got a few things going on at the moment, so we'll keep track of the goals with you. We'll do another review and see how your life's going. And as you move into each phase, we'll just adapt the strategies to fit with what you're doing. Okay. Cool. And that just comes to do with things like, you know, budgeting, investing, insurances. At any point when it becomes important, we can have those discussions then. Yep. Okay.","start_word":1143,"end_word":1225,"sentiment":"neutral","sentiment_score":0.2536078095436096},{"text":"Beautiful.","start_word":1226,"end_word":1226,"sentiment":"positive","sentiment_score":0.37289172410964966},{"text":"So from here, I did just get back from a bit of a holiday, so I'm a bit booked out for a couple of weeks. But Yep. I'm doing the research in the background while the sell down occurs. I'll get Yep. Michelle to touch base with you and book you in for that catch up, and I'll show you the figures in writing first. Okay. That works. Beautiful. Any questions for me before I let you No. Not really. Awesome. Look. Seven minutes. I hope that wasn't too long of your day, mate, but I do appreciate you just taking a few moments No. with me. It really does No. help. It's okay. I'll just wait for a phone call, but it's all good.","start_word":1227,"end_word":1351,"sentiment":"neutral","sentiment_score":0.10531751066446304},{"text":"It's worked out well. Perfect, Shady.","start_word":1352,"end_word":1357,"sentiment":"positive","sentiment_score":0.505827784538269},{"text":"Alright, mate.","start_word":1358,"end_word":1359,"sentiment":"neutral","sentiment_score":0.19730311632156372},{"text":"I will get stuck into it for you, and I'll talk to you in a couple of weeks. Thank you, mate. Appreciate it. No worries at all. Have a fantastic day. Thank you. You too.","start_word":1360,"end_word":1394,"sentiment":"positive","sentiment_score":0.612255334854126},{"text":"Bye. Yes. Bye.","start_word":1395,"end_word":1397,"sentiment":"neutral","sentiment_score":0.2374882996082306}],"average":{"sentiment":"neutral","sentiment_score":0.11662906429695508}}}}