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As you said, it it came through anyway. So, Shigee, let's go. Hi, Jake. How are you going? Really well. Monday evening, can't complain too much. Five 05:00. I'll get out of here by midnight if I'm lucky. No. I'm kidding. No. So I guess to explain what I do, I'm a financial planner. I'm authorized by ASIC to be able to provide financial advice. I'm I've been in the industry for coming on a decade, and this is what I love doing. Now with a financial adviser, the whole point in what I do is working with clients to ensure that either, a, they understand where their financial position is and the risks they're taking, but, b, also putting together a plan to better suit where they're at and where they wanna head. Now as I understand, currently, we're single. We have no dependents. We're on really good income, and we've set ourselves up with a pretty decent house for the future, which is fantastic. I get very much so. And doing it alone is hard but admirable considering you are still so very young. And if I don't say that you're young, I don't say that I'm young, and that just makes me sad. Yeah. It's not mid thirties yet. So, really, it's it's good. It's fine. Now one of the biggest things that I work with is goal based advice, and the reason we do it that way is because everyone's individual and everyone's goals are different. So the person that I spoke to this morning is completely different to you, and nothing is, you know, cookie cutter. So what I wanna find out from you is what are your goals and what are you trying to achieve in life, in finances, in where you wanna head? Yeah. Yep. Okay. Absolutely. Alright. Perfect. No. It and it's not. The fact that you are, a, willing to engage and look at things now is an absolute testament and benefit to yourself because talking to you in twenty years' time is a very it's a much different conversation. So a conversation today means that we can take those steps to set you up with avenues for personal wealth building as well as growth through your superannuation fund and other avenues like that. Rather than, you know, in twenty years' time when we are, you know, in our mid fifties, it's sometimes past time where we can take some of those riskier steps. So, obviously, you have a half decent amount of knowledge with respect to superannuation and retirement and where you're able to retire and access. So I just wanna, I guess, make sure that you are definitely aligned. Age 60 is when you can retire and access your superannuation. A lot of people confuse 65 and 67, but 60 is when you can access your superannuation currently under legislation. 60 five? Mhmm. Yeah. Correct. Yeah. So 60 is where there's a there's a a caveat upon you accessing, and it's either transitionary or you're fully retired or you're working under ten hours. You see some form of employment. There's restrictions to it. From 60 five, there's no restrictions at all. You can access it irrespective of whether you're working full time or not. And 67, which is what a lot of people get hung up on, is that pension age. You don't care about that age, and we're not even gonna talk about that age. So what we're gonna focus on is before 60. So, obviously, because we can't access until 60, it means that any retirement that we do prior to 60 would have to be self funded. So focusing on looking at assets in your own name. You currently have a property. Is property an investment avenue that you would consider in the future? Or Yeah. Yeah. Yep. Yep. No. Perfect. It it's still a consideration because, obviously, you need to have liquidity to be able to engage in something like that. So whether that's, you know, liquidity in, you know, well, I guess, equity in your current property gives you the capacity to go and purchase again rather than anything else. That's, I guess, making sure that we don't over leverage you to the point where you don't have the opportunity if it ever arises to go and purchase something that falls into your lap. Because, obviously, you work in the industry. Sometimes houses do just fall into your lap. It's not that you're looking. It's just it exists. Yeah. So currently, we're we're putting away sort of $500 a week. Is that in savings, is that money actually being saved, or is that money being put onto the mortgage currently as additional repayments? Or where is that money kind of going? Yeah. Yep. Yep. Yep. Yeah. No. Absolutely. So on the like, your your CMC account or your your your stock account, we're just we're dabbling. We just kind of invest and hold, or are we kind of day trading a little bit? Or Yep. Cool. No. Perfect. No. Absolutely. Cool. And the whole avenue like, the reason that we're purchasing shares in that account is specifically so we have, I guess, personal assets for that retirement avenue? Overall. Okay. And I guess, CMC account, are we individual stocks, or are we, like, ETFs, managed funds? Yeah. Okay. Cool. No. Just give me a feel for where you're at. Perfect. Alright. So we're kind of doing a little bit of trading, just having fun over there, accumulating wealth personally, and then we still have our savings that we're kind of just putting away rainy day towards everything that we wanna do. Now I guess one of the biggest things and I'm gonna be really clear when I say this that I am not going to push you into one avenue or another, but I wouldn't be doing my job if I didn't at least raise the question. Your insurance within AustralianSuper, I understand that you canceled it because we're fit and healthy, which is fantastic, and I love that. The only reason I raise it is because insurance protects us personally. So we insure our vehicles. We insure our house because if an event occurs, we're then able to rebuild our house or the car accident that we had when we ran up the back of the Lamborghini, we're covered and protected. Now personal insurance, which is what you would have had inside your Australian Super, covers you personally in the event that you had an event. So sometimes that could be an accident, not just an illness. We're fit and healthy right now, so there's no illnesses. But let's just say that we were in that car accident and we were not able to work for a period of time. How would that affect your capacity to pay your bills if you were not working? Is there any other income sources you have? Obviously, there's the the trading account for this $30 that you could pull out. We don't want to, but we could. I guess, I yeah. Okay. And look. I get it. You're you're you're 32. I am literally in the same age bracket that you are. It it's not something we ever want to happen, but I also specialize in claims. I've done claims for a good five years. And I have put claims through for 30 year olds both because they are never able to work again, they're temporarily not working again, or, unfortunately, they pass away. And whilst I get it, because you are single and, realistically, your estate consists of your assets that you hold personally, and they're gonna be able to sell your home and and, you know, your family will sell your home and walk away with a good couple $100,000. Life insurance possibly isn't something you care about right this minute. I think I'm more focused on the disability portion of it that if you were in an accident and you weren't able to work, how does your mortgage get paid? How do you get paid? How do you put food on the table? So do you want to look at insurance, or are you happy accepting the risk? And it's your risk to accept. I'm just putting it in terms that makes you think about it from that perspective. I don't need it. I'm good. Yes. Yeah. No. Yeah. It's important. And, again, not to hop on or scare you or anything like that. It's accidents happen. Accidents happen daily. Yep. 100 percent. Yeah. That's that's okay. So I'll look at I'll what I'll do is I'll look at quoting up to see what it costs from an income replacement perspective. So it means that if you're off work for a short period of time, your income continues being supported. And then I'll look at the total disability perspective. So it means if you're never able to work again, what that looks like. Whilst I understand that your job is fifty fifty, so you you have office and field capacity, and that it could be an opportunity for you to move solely into the office. Sometimes, maybe you can't capacity wise from the illness or just occupation wise from the job perspective. It could be something that, you know, pays off your mortgage and allows you to be debt free. Yeah. So I'll look at it from from that kind of perspective. What if we were to look at covering you for a lump sum benefit in the t fee or in the total pump disability realm would you want covered? Would it just be the mortgage with a little bit on the side, or would you want to still make sure that you're covering to get to your retirement goals? Yeah. Okay. So that's okay. I can I can answer I can answer the figure perspective? The only question, I guess, I would want answered from you because I can't answer it is if you were never able to work again, tomorrow, you could you just couldn't work again, whatever the reason was, would you accept that your life has fundamentally changed and the goals that you discussed today were never gonna be able to be reached and achieved because your income could no longer be be supported if you don't have an income anymore? Or would you still want, irrespective of working or not, you to achieve those goals? Yeah. Yeah. It is. No. Yeah. I do. Yeah. Definitely. I mean, technically, your early retirement goal is achieved because you never have to work again. Totally. Yep. No. That's that's okay. That's that it it gives me a good scope to be able to calculate from there income replacement debts, all that kind of stuff. So I can I can pull those figures? That's fine. Alright. So I guess moving forward in in respect to the investment side of things, I can see that you are heavily, I guess, more aggressively invested. You know, we're very heavy into our international shares, which is okay. Absolutely nothing wrong with that. I guess the biggest question I have for you is when it comes to risk taking with investments, because you do trade a little bit, and your individual stocks, there's an ETF in there, and you're very heavy in in your international shares, whether you are maybe more suited to go a little bit more aggressive with your investments. You came out as quite an aggressive investor when we did the investor risk profile questionnaire, which it is just a tool. The whole point of that tool is to gauge where you sit in a risk profile. And a risk profile is realistically looking at whether a 100%, 90%, 80, and so on and so forth of the overall assets should be invested in the market and to what degree, whether it's growth or value start like, started stocks or whether it's defensive, you know, regulated stocks. So what what that tool showed me was that you are to the 90, a 100% kind of bracket as a as a risk taker. Now, realistically, risk breaks down further than that because then we have our stocks and shares that, you know, are better regulated, maybe blue chip, have been around for longer, have risk ratings like the alpha and the beta, which is how they perform against the benchmark. And then you obviously have, you know, on the reverse things where you've got your higher risk stocks, your emerging companies, you've got, you know, potential asset managers that are fairly new to the market, haven't, you know, been in the game for as long, stuff like that. Now we look at two different avenues of of investing. There's, you know, your ETFs, which are obviously your lower cost assets that generally track the market. Okay? And then you look at diversifying out through that. Or on the flip side, you look at your managed funds, which the whole point of a managed fund is generally a little bit more expensive, but the whole point is to try and outpace the market, or it's on the negative or the positive depending on what they're obviously trying to achieve. As an investor type, which side of that coin do you kind of feel you fall on? Like, ETF. Yeah. Yep. Yep. Yep. Yeah. So when it comes to super, individual stocks, little bit more risk. And, also, because contributions going in the high volume, it's the same reason you only trade once you've hit $500. A, generally, you've got a $500 minimum buy in. But your your, oh my god, what's it called, the buy sell cost to actually trade on individual stocks on the open market is gonna be quite heavy, especially if you're buying into, you know, say, 20 different you'd probably diversify further than 20 different individual companies, but you probably have maybe up to 80 different individual companies in a portfolio to few $100,000 to get some decent diversity going. So individual stocks, yeah, definitely possible within a superannuation fund, 100%. Not saying it's not, but probably a small percentage of the overall thumb, not something that you would have, like, just individual stocks the whole way through because the trading cost on that would be astronomical. The fees just to trade it would get really high really quick. Versus your ETF, it diversifies things out, allows you to, you know, be in, say, 10 to 30 different stock options within that fund. You're not paying for a a purchase cost and you buy, sell much much more reduced. However, you obviously have your what's called a a MER or a management fee that's incorporated within that ETF or a managed fund, so on and so forth. They they all do have their fees, obviously, whereas your individual stocks don't. I can definitely look at ETFs to begin with. And then, obviously, as the relationship builds, as we work together moving forward, we can look at incorporating stocks in areas that you're interested in, in areas that you wanna include those stock options in things that, you know, you're purchasing personally, if you wanna incorporate them into your superannuation fund, it's something we can definitely look at as well. Not something I generally start off with in a relationship to begin with, purely and simply because individual stocks are very, very personalized opinion based, I guess, purchase, but something we can definitely, I guess, broach into. Now with respect to, I guess, where we head from here, what we would wanna do or what I would wanna do is have a look at everything from an overall perspective. I I would research where you're currently at, you know, being everything that's sitting within your Australian super, how it's gone, how it's performed, the asset split between the three classes that you currently have. And then I would look at other options that are available in the market to a heavier investment, like, you know, to allocate you within the risk profile that you're invested. One of the things I did wanna, I guess, find out was whether you know what leveraged or gearing geared investments are. Okay. Okay. So there's average no. No. That's okay. So there's there's basically two ways to invest in a leverage capacity. One is to go out to a bank, get a loan yourself, and then invest in the stock market. At the end of the twelve months, whatever you've made or lost, you still have an obligation to return the money to the bank and pay them the interest that that you've incurred. If you've made money, happy days, you get the earnings, they get the principal and the interest. If you've lost money, therein lies the risk. The other option is to go into it's just like what you have, like a leveraged or geared fund or ETF, where they basically internally borrow the money and you and they invested on the market. Same sort of thing, but it happens interfund. The risk is less with you. So, for example, say, if you were to lose a 100% of the money that you've invested, you've lost a 100%. You still don't owe anything on top of that. That's the risk that the funds takes. So it it alleviates the risk that you're taking from that capacity. Is leveraged investments something that you would want to look at from a superannuation perspective now, or is that maybe something you may wanna look at later down the future after an established relationship and you can see how we're going with everything we're doing? Yeah. I think so. Absolutely. And, realistically, working with an adviser, it does work to that capacity. Sometimes we look at things right now, and sometimes, you know, a conversation we're having right now could be something that we execute in two, three, five years' time. You know, you mentioned kids and a wife. Obviously, not something for the immediate, but, you know, it's something that you have in your life as a as a life goal for yourself and something that we, you know, can incorporate into everything down the future, you know, whether it's investments for the kids to put money away ready for them to buy a house or buy a car. It's things we can look at as life changes and evolves. Cool. Alright. Well, I have, a, kept you for long enough, and, b, has everything that I possibly need right this second. So what I do is I take everything away, I research everything, and then I put together a statement of advice. So it's a big glorious document that I will present to you and we'll go through from there. But I guess before I leave you to the night, is there anything that you may wanna know from myself? Yep. Yes. Yeah. Yep. So there is a whole section that outlines our fees, the fund fees, the investment fees, every fee on everything for both your current and any recommendation I made. And there is also utilizing historical performance, so both with AustralianSuper in the investments you currently have. Also, I look at AustralianSuper from a if I was to increase the investment risk within your current portfolio or decrease it depending on the client or the portfolio I'm looking at, you know, if you were to alter the current investment within your current super fund, what that outcome looks like versus historical performance of any fund or or portfolio that I built for a client. And that's realistically what I would be doing is building a portfolio to suit you, to suit where you are from a risk level, where you are from a, you know, gearing, not gearing, ETFs versus managed funds, all that kind of stuff. Like, that's what I'm looking at. Looking at making sure that I'm weighing up the the alpha and beta of an of a of a portfolio for the long term and not just gearing things ready for the short term. Yes. Yeah. Very much so. Yeah. Yes. So I put very, very much. No. No. You're you're allowed to ask the questions. I've we so very much, if you put our foot our our best foot forward, I guess, is the best way to put it. Industry wide over the last twenty years, there's been a lot of flack thrown at it. And because of that, you know, we don't ask for an upfront fee. We don't ask for you to to put any money down before we give you the advice purely and simply because we know that the initial piece of advice is one stage in the entire piece moving forward. So whilst, yeah, you could, you know, say thanks and run, we know that, you know, we're gonna help you over the long term, and it's not just a, you know, one set and forget strategy. So the whole point and why we do what we do is because we want to put our money where our mouth is realistically and, you know, work with you long term and help you out to get to where you wanna go. Cool. No. Absolutely. Well, I think I'd need to pass you back over to Billy. Not I think. I do. Pop me back over to Billy just so he can schedule in the next time that we can talk, go through that advice space and go from there, and I'll get working on things for you tonight. No. Absolutely. Thank you. Bye. 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afternoon. Great. How are you doing? Yeah. Makes sense.\n\nI don't know. I'm not in my in emails yet. No. You're okay. Okay.\n\nMobius is 507 city in value. What's his name? That's okay. As you said, it it came through anyway. So, Shigee, let's go.\n\nHi, Jake. How are you going? Really well. Monday evening, can't complain too much. Five 05:00.\n\nI'll get out of here by midnight if I'm lucky. No. I'm kidding. No. So I guess to explain what I do, I'm a financial planner.\n\nI'm authorized by ASIC to be able to provide financial advice. I'm I've been in the industry for coming on a decade, and this is what I love doing. Now with a financial adviser, the whole point in what I do is working with clients to ensure that either, a, they understand where their financial position is and the risks they're taking, but, b, also putting together a plan to better suit where they're at and where they wanna head. Now as I understand, currently, we're single. We have no dependents.\n\nWe're on really good income, and we've set ourselves up with a pretty decent house for the future, which is fantastic. I get very much so. And doing it alone is hard but admirable considering you are still so very young. And if I don't say that you're young, I don't say that I'm young, and that just makes me sad. Yeah.\n\nIt's not mid thirties yet. So, really, it's it's good. It's fine. Now one of the biggest things that I work with is goal based advice, and the reason we do it that way is because everyone's individual and everyone's goals are different. So the person that I spoke to this morning is completely different to you, and nothing is, you know, cookie cutter.\n\nSo what I wanna find out from you is what are your goals and what are you trying to achieve in life, in finances, in where you wanna head? Yeah. Yep. Okay. Absolutely.\n\nAlright. Perfect. No. It and it's not. The fact that you are, a, willing to engage and look at things now is an absolute testament and benefit to yourself because talking to you in twenty years' time is a very it's a much different conversation.\n\nSo a conversation today means that we can take those steps to set you up with avenues for personal wealth building as well as growth through your superannuation fund and other avenues like that. Rather than, you know, in twenty years' time when we are, you know, in our mid fifties, it's sometimes past time where we can take some of those riskier steps. So, obviously, you have a half decent amount of knowledge with respect to superannuation and retirement and where you're able to retire and access. So I just wanna, I guess, make sure that you are definitely aligned. Age 60 is when you can retire and access your superannuation.\n\nA lot of people confuse 65 and 67, but 60 is when you can access your superannuation currently under legislation. 60 five? Mhmm. Yeah. Correct.\n\nYeah. So 60 is where there's a there's a a caveat upon you accessing, and it's either transitionary or you're fully retired or you're working under ten hours. You see some form of employment. There's restrictions to it. From 60 five, there's no restrictions at all.\n\nYou can access it irrespective of whether you're working full time or not. And 67, which is what a lot of people get hung up on, is that pension age. You don't care about that age, and we're not even gonna talk about that age. So what we're gonna focus on is before 60. So, obviously, because we can't access until 60, it means that any retirement that we do prior to 60 would have to be self funded.\n\nSo focusing on looking at assets in your own name. You currently have a property. Is property an investment avenue that you would consider in the future? Or Yeah. Yeah.\n\nYep. Yep. No. Perfect. It it's still a consideration because, obviously, you need to have liquidity to be able to engage in something like that.\n\nSo whether that's, you know, liquidity in, you know, well, I guess, equity in your current property gives you the capacity to go and purchase again rather than anything else. That's, I guess, making sure that we don't over leverage you to the point where you don't have the opportunity if it ever arises to go and purchase something that falls into your lap. Because, obviously, you work in the industry. Sometimes houses do just fall into your lap. It's not that you're looking.\n\nIt's just it exists. Yeah. So currently, we're we're putting away sort of $500 a week. Is that in savings, is that money actually being saved, or is that money being put onto the mortgage currently as additional repayments? Or where is that money kind of going?\n\nYeah. Yep. Yep. Yep. Yeah.\n\nNo. Absolutely. So on the like, your your CMC account or your your your stock account, we're just we're dabbling. We just kind of invest and hold, or are we kind of day trading a little bit? Or Yep.\n\nCool. No. Perfect. No. Absolutely.\n\nCool. And the whole avenue like, the reason that we're purchasing shares in that account is specifically so we have, I guess, personal assets for that retirement avenue? Overall. Okay. And I guess, CMC account, are we individual stocks, or are we, like, ETFs, managed funds?\n\nYeah. Okay. Cool. No. Just give me a feel for where you're at.\n\nPerfect. Alright. So we're kind of doing a little bit of trading, just having fun over there, accumulating wealth personally, and then we still have our savings that we're kind of just putting away rainy day towards everything that we wanna do. Now I guess one of the biggest things and I'm gonna be really clear when I say this that I am not going to push you into one avenue or another, but I wouldn't be doing my job if I didn't at least raise the question. Your insurance within AustralianSuper, I understand that you canceled it because we're fit and healthy, which is fantastic, and I love that.\n\nThe only reason I raise it is because insurance protects us personally. So we insure our vehicles. We insure our house because if an event occurs, we're then able to rebuild our house or the car accident that we had when we ran up the back of the Lamborghini, we're covered and protected. Now personal insurance, which is what you would have had inside your Australian Super, covers you personally in the event that you had an event. So sometimes that could be an accident, not just an illness.\n\nWe're fit and healthy right now, so there's no illnesses. But let's just say that we were in that car accident and we were not able to work for a period of time. How would that affect your capacity to pay your bills if you were not working? Is there any other income sources you have? Obviously, there's the the trading account for this $30 that you could pull out.\n\nWe don't want to, but we could. I guess, I yeah. Okay. And look. I get it.\n\nYou're you're you're 32. I am literally in the same age bracket that you are. It it's not something we ever want to happen, but I also specialize in claims. I've done claims for a good five years. And I have put claims through for 30 year olds both because they are never able to work again, they're temporarily not working again, or, unfortunately, they pass away.\n\nAnd whilst I get it, because you are single and, realistically, your estate consists of your assets that you hold personally, and they're gonna be able to sell your home and and, you know, your family will sell your home and walk away with a good couple $100,000. Life insurance possibly isn't something you care about right this minute. I think I'm more focused on the disability portion of it that if you were in an accident and you weren't able to work, how does your mortgage get paid? How do you get paid? How do you put food on the table?\n\nSo do you want to look at insurance, or are you happy accepting the risk? And it's your risk to accept. I'm just putting it in terms that makes you think about it from that perspective. I don't need it. I'm good.\n\nYes. Yeah. No. Yeah. It's important.\n\nAnd, again, not to hop on or scare you or anything like that. It's accidents happen. Accidents happen daily. Yep. 100 percent.\n\nYeah. That's that's okay. So I'll look at I'll what I'll do is I'll look at quoting up to see what it costs from an income replacement perspective. So it means that if you're off work for a short period of time, your income continues being supported. And then I'll look at the total disability perspective.\n\nSo it means if you're never able to work again, what that looks like. Whilst I understand that your job is fifty fifty, so you you have office and field capacity, and that it could be an opportunity for you to move solely into the office. Sometimes, maybe you can't capacity wise from the illness or just occupation wise from the job perspective. It could be something that, you know, pays off your mortgage and allows you to be debt free. Yeah.\n\nSo I'll look at it from from that kind of perspective. What if we were to look at covering you for a lump sum benefit in the t fee or in the total pump disability realm would you want covered? Would it just be the mortgage with a little bit on the side, or would you want to still make sure that you're covering to get to your retirement goals? Yeah. Okay.\n\nSo that's okay. I can I can answer I can answer the figure perspective? The only question, I guess, I would want answered from you because I can't answer it is if you were never able to work again, tomorrow, you could you just couldn't work again, whatever the reason was, would you accept that your life has fundamentally changed and the goals that you discussed today were never gonna be able to be reached and achieved because your income could no longer be be supported if you don't have an income anymore? Or would you still want, irrespective of working or not, you to achieve those goals? Yeah.\n\nYeah. It is. No. Yeah. I do.\n\nYeah. Definitely. I mean, technically, your early retirement goal is achieved because you never have to work again. Totally. Yep.\n\nNo. That's that's okay. That's that it it gives me a good scope to be able to calculate from there income replacement debts, all that kind of stuff. So I can I can pull those figures? That's fine.\n\nAlright. So I guess moving forward in in respect to the investment side of things, I can see that you are heavily, I guess, more aggressively invested. You know, we're very heavy into our international shares, which is okay. Absolutely nothing wrong with that. I guess the biggest question I have for you is when it comes to risk taking with investments, because you do trade a little bit, and your individual stocks, there's an ETF in there, and you're very heavy in in your international shares, whether you are maybe more suited to go a little bit more aggressive with your investments.\n\nYou came out as quite an aggressive investor when we did the investor risk profile questionnaire, which it is just a tool. The whole point of that tool is to gauge where you sit in a risk profile. And a risk profile is realistically looking at whether a 100%, 90%, 80, and so on and so forth of the overall assets should be invested in the market and to what degree, whether it's growth or value start like, started stocks or whether it's defensive, you know, regulated stocks. So what what that tool showed me was that you are to the 90, a 100% kind of bracket as a as a risk taker. Now, realistically, risk breaks down further than that because then we have our stocks and shares that, you know, are better regulated, maybe blue chip, have been around for longer, have risk ratings like the alpha and the beta, which is how they perform against the benchmark.\n\nAnd then you obviously have, you know, on the reverse things where you've got your higher risk stocks, your emerging companies, you've got, you know, potential asset managers that are fairly new to the market, haven't, you know, been in the game for as long, stuff like that. Now we look at two different avenues of of investing. There's, you know, your ETFs, which are obviously your lower cost assets that generally track the market. Okay? And then you look at diversifying out through that.\n\nOr on the flip side, you look at your managed funds, which the whole point of a managed fund is generally a little bit more expensive, but the whole point is to try and outpace the market, or it's on the negative or the positive depending on what they're obviously trying to achieve. As an investor type, which side of that coin do you kind of feel you fall on? Like, ETF. Yeah. Yep.\n\nYep. Yep. Yeah. So when it comes to super, individual stocks, little bit more risk. And, also, because contributions going in the high volume, it's the same reason you only trade once you've hit $500.\n\nA, generally, you've got a $500 minimum buy in. But your your, oh my god, what's it called, the buy sell cost to actually trade on individual stocks on the open market is gonna be quite heavy, especially if you're buying into, you know, say, 20 different you'd probably diversify further than 20 different individual companies, but you probably have maybe up to 80 different individual companies in a portfolio to few $100,000 to get some decent diversity going. So individual stocks, yeah, definitely possible within a superannuation fund, 100%. Not saying it's not, but probably a small percentage of the overall thumb, not something that you would have, like, just individual stocks the whole way through because the trading cost on that would be astronomical. The fees just to trade it would get really high really quick.\n\nVersus your ETF, it diversifies things out, allows you to, you know, be in, say, 10 to 30 different stock options within that fund. You're not paying for a a purchase cost and you buy, sell much much more reduced. However, you obviously have your what's called a a MER or a management fee that's incorporated within that ETF or a managed fund, so on and so forth. They they all do have their fees, obviously, whereas your individual stocks don't. I can definitely look at ETFs to begin with.\n\nAnd then, obviously, as the relationship builds, as we work together moving forward, we can look at incorporating stocks in areas that you're interested in, in areas that you wanna include those stock options in things that, you know, you're purchasing personally, if you wanna incorporate them into your superannuation fund, it's something we can definitely look at as well. Not something I generally start off with in a relationship to begin with, purely and simply because individual stocks are very, very personalized opinion based, I guess, purchase, but something we can definitely, I guess, broach into. Now with respect to, I guess, where we head from here, what we would wanna do or what I would wanna do is have a look at everything from an overall perspective. I I would research where you're currently at, you know, being everything that's sitting within your Australian super, how it's gone, how it's performed, the asset split between the three classes that you currently have. And then I would look at other options that are available in the market to a heavier investment, like, you know, to allocate you within the risk profile that you're invested.\n\nOne of the things I did wanna, I guess, find out was whether you know what leveraged or gearing geared investments are. Okay. Okay. So there's average no. No.\n\nThat's okay. So there's there's basically two ways to invest in a leverage capacity. One is to go out to a bank, get a loan yourself, and then invest in the stock market. At the end of the twelve months, whatever you've made or lost, you still have an obligation to return the money to the bank and pay them the interest that that you've incurred. If you've made money, happy days, you get the earnings, they get the principal and the interest.\n\nIf you've lost money, therein lies the risk. The other option is to go into it's just like what you have, like a leveraged or geared fund or ETF, where they basically internally borrow the money and you and they invested on the market. Same sort of thing, but it happens interfund. The risk is less with you. So, for example, say, if you were to lose a 100% of the money that you've invested, you've lost a 100%.\n\nYou still don't owe anything on top of that. That's the risk that the funds takes. So it it alleviates the risk that you're taking from that capacity. Is leveraged investments something that you would want to look at from a superannuation perspective now, or is that maybe something you may wanna look at later down the future after an established relationship and you can see how we're going with everything we're doing? Yeah.\n\nI think so. Absolutely. And, realistically, working with an adviser, it does work to that capacity. Sometimes we look at things right now, and sometimes, you know, a conversation we're having right now could be something that we execute in two, three, five years' time. You know, you mentioned kids and a wife.\n\nObviously, not something for the immediate, but, you know, it's something that you have in your life as a as a life goal for yourself and something that we, you know, can incorporate into everything down the future, you know, whether it's investments for the kids to put money away ready for them to buy a house or buy a car. It's things we can look at as life changes and evolves. Cool. Alright. Well, I have, a, kept you for long enough, and, b, has everything that I possibly need right this second.\n\nSo what I do is I take everything away, I research everything, and then I put together a statement of advice. So it's a big glorious document that I will present to you and we'll go through from there. But I guess before I leave you to the night, is there anything that you may wanna know from myself? Yep. Yes.\n\nYeah. Yep. So there is a whole section that outlines our fees, the fund fees, the investment fees, every fee on everything for both your current and any recommendation I made. And there is also utilizing historical performance, so both with AustralianSuper in the investments you currently have. Also, I look at AustralianSuper from a if I was to increase the investment risk within your current portfolio or decrease it depending on the client or the portfolio I'm looking at, you know, if you were to alter the current investment within your current super fund, what that outcome looks like versus historical performance of any fund or or portfolio that I built for a client.\n\nAnd that's realistically what I would be doing is building a portfolio to suit you, to suit where you are from a risk level, where you are from a, you know, gearing, not gearing, ETFs versus managed funds, all that kind of stuff. Like, that's what I'm looking at. Looking at making sure that I'm weighing up the the alpha and beta of an of a of a portfolio for the long term and not just gearing things ready for the short term. Yes. Yeah.\n\nVery much so. Yeah. Yes. So I put very, very much. No.\n\nNo. You're you're allowed to ask the questions. I've we so very much, if you put our foot our our best foot forward, I guess, is the best way to put it. Industry wide over the last twenty years, there's been a lot of flack thrown at it. And because of that, you know, we don't ask for an upfront fee.\n\nWe don't ask for you to to put any money down before we give you the advice purely and simply because we know that the initial piece of advice is one stage in the entire piece moving forward. So whilst, yeah, you could, you know, say thanks and run, we know that, you know, we're gonna help you over the long term, and it's not just a, you know, one set and forget strategy. So the whole point and why we do what we do is because we want to put our money where our mouth is realistically and, you know, work with you long term and help you out to get to where you wanna go. Cool. No.\n\nAbsolutely. Well, I think I'd need to pass you back over to Billy. Not I think. I do. Pop me back over to Billy just so he can schedule in the next time that we can talk, go through that advice space and go from there, and I'll get working on things for you tonight.\n\nNo. Absolutely. Thank you. Bye. No.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":0.0,"end":2.74,"sentiment":"neutral","sentiment_score":0.2697647958993912},{"text":"Great.","start":5.92,"end":6.3199997,"sentiment":"positive","sentiment_score":0.6305518746376038},{"text":"How are you doing?","start":6.3199997,"end":7.2999997,"sentiment":"positive","sentiment_score":0.3950578421354294},{"text":"Yeah.","start":18.415,"end":18.655,"sentiment":"neutral","sentiment_score":0.03829668462276459},{"text":"Makes sense.","start":18.655,"end":19.395,"sentiment":"neutral","sentiment_score":0.04439968056976795}],"sentiment":"neutral","sentiment_score":0.2877408880740404,"num_words":10,"start":0.0,"end":19.395},{"sentences":[{"text":"I don't know.","start":27.23,"end":27.630001,"sentiment":"neutral","sentiment_score":-0.1206418772538503},{"text":"I'm not in my in emails yet.","start":27.630001,"end":29.41,"sentiment":"neutral","sentiment_score":-0.14778247901371547},{"text":"No.","start":31.470001,"end":31.710001,"sentiment":"neutral","sentiment_score":-0.077100969851017},{"text":"You're okay.","start":31.710001,"end":32.45,"sentiment":"neutral","sentiment_score":-0.03905666247010231},{"text":"Okay.","start":61.18,"end":61.68,"sentiment":"neutral","sentiment_score":0.03015519306063652}],"sentiment":"neutral","sentiment_score":-0.1086758633277246,"num_words":14,"start":27.23,"end":61.68},{"sentences":[{"text":"Mobius is 507 city in value.","start":77.89,"end":81.19,"sentiment":"neutral","sentiment_score":0.033814720809459686},{"text":"What's his name?","start":83.17,"end":84.229996,"sentiment":"neutral","sentiment_score":0.021829254925251007},{"text":"That's okay.","start":88.385,"end":89.025,"sentiment":"neutral","sentiment_score":0.03709954582154751},{"text":"As you said, it it came through anyway.","start":89.025,"end":90.385,"sentiment":"neutral","sentiment_score":0.023812624160200357},{"text":"So, Shigee, let's go.","start":90.385,"end":92.565,"sentiment":"neutral","sentiment_score":0.07227346487343311}],"sentiment":"neutral","sentiment_score":0.03574652321960615,"num_words":23,"start":77.89,"end":92.565},{"sentences":[{"text":"Hi, Jake.","start":118.895,"end":119.615,"sentiment":"neutral","sentiment_score":0.29675690829753876},{"text":"How are you going?","start":119.615,"end":120.515,"sentiment":"positive","sentiment_score":0.3480667620897293},{"text":"Really well.","start":123.46999,"end":124.43,"sentiment":"positive","sentiment_score":0.48200705647468567},{"text":"Monday evening, can't complain too much.","start":124.43,"end":127.25,"sentiment":"neutral","sentiment_score":0.1941849725941817},{"text":"Five 05:00.","start":127.31,"end":129.97,"sentiment":"neutral","sentiment_score":0.038111353293061256}],"sentiment":"neutral","sentiment_score":0.2619454700034112,"num_words":16,"start":118.895,"end":129.97},{"sentences":[{"text":"I'll get out of here by midnight if I'm lucky.","start":130.11,"end":132.51,"sentiment":"neutral","sentiment_score":0.06759170852601529},{"text":"No.","start":132.51,"end":132.59,"sentiment":"neutral","sentiment_score":-0.013223549351096152},{"text":"I'm kidding.","start":132.59,"end":133.17,"sentiment":"neutral","sentiment_score":-0.022406287491321564},{"text":"No.","start":135.605,"end":136.105,"sentiment":"neutral","sentiment_score":-0.02024771086871624},{"text":"So I guess to explain what I do, I'm a financial planner.","start":136.965,"end":141.22499,"sentiment":"neutral","sentiment_score":0.025184901896864176}],"sentiment":"neutral","sentiment_score":0.03460969510846413,"num_words":26,"start":130.11,"end":141.22499},{"sentences":[{"text":"I'm authorized by ASIC to be able to provide financial advice.","start":141.845,"end":147.22499,"sentiment":"neutral","sentiment_score":0.07149270278486339},{"text":"I'm I've been in the industry for coming on a decade, and this is what I love doing.","start":147.36499,"end":155.62,"sentiment":"neutral","sentiment_score":0.15071322810318735},{"text":"Now with a financial adviser, the whole point in what I do is working with clients to ensure that either, a, they understand where their financial position is and the risks they're taking, but, b, also putting together a plan to better suit where they're at and where they wanna head.","start":156.24,"end":180.01999,"sentiment":"neutral","sentiment_score":0.12135515617681485},{"text":"Now as I understand, currently, we're single.","start":180.8,"end":185.28,"sentiment":"neutral","sentiment_score":0.0687981987638133},{"text":"We have no dependents.","start":185.28,"end":186.5,"sentiment":"neutral","sentiment_score":0.09060956351459026}],"sentiment":"neutral","sentiment_score":0.11574062029575254,"num_words":91,"start":141.845,"end":186.5},{"sentences":[{"text":"We're on really good income, and we've set ourselves up with a pretty decent house for the future, which is fantastic.","start":186.87999,"end":196.195,"sentiment":"neutral","sentiment_score":0.27078853121825625},{"text":"I get very much so.","start":197.695,"end":200.99501,"sentiment":"neutral","sentiment_score":0.21640015840530397},{"text":"And doing it alone is hard but admirable considering you are still so very young.","start":201.05501,"end":206.515,"sentiment":"neutral","sentiment_score":0.08028212462862333},{"text":"And if I don't say that you're young, I don't say that I'm young, and that just makes me sad.","start":208.23001,"end":213.37001,"sentiment":"neutral","sentiment_score":-0.24134525023400782},{"text":"Yeah.","start":225.685,"end":226.005,"sentiment":"neutral","sentiment_score":-0.06860899925231934}],"sentiment":"neutral","sentiment_score":0.04963351311462541,"num_words":62,"start":186.87999,"end":226.005},{"sentences":[{"text":"It's not mid thirties yet.","start":226.005,"end":227.445,"sentiment":"neutral","sentiment_score":-0.07826329469680786},{"text":"So, really, it's it's good.","start":227.445,"end":229.445,"sentiment":"neutral","sentiment_score":-0.008441256731748581},{"text":"It's fine.","start":229.445,"end":230.985,"sentiment":"neutral","sentiment_score":-0.008190973661839962},{"text":"Now one of the biggest things that I work with is goal based advice, and the reason we do it that way is because everyone's individual and everyone's goals are different.","start":235.28,"end":245.22,"sentiment":"neutral","sentiment_score":0.07987643492918822},{"text":"So the person that I spoke to this morning is completely different to you, and nothing is, you know, cookie cutter.","start":245.68001,"end":253.225,"sentiment":"neutral","sentiment_score":-0.1682163750131925}],"sentiment":"neutral","sentiment_score":-0.023535610889666714,"num_words":64,"start":226.005,"end":253.225},{"sentences":[{"text":"So what I wanna find out from you is what are your goals and what are you trying to achieve in life, in finances, in where you wanna head?","start":253.765,"end":262.025,"sentiment":"neutral","sentiment_score":0.17098945559098802},{"text":"Yeah.","start":266.94,"end":267.44,"sentiment":"neutral","sentiment_score":0.04281378537416458},{"text":"Yep.","start":272.30002,"end":272.80002,"sentiment":"neutral","sentiment_score":0.07250265032052994},{"text":"Okay.","start":332.935,"end":333.25497,"sentiment":"neutral","sentiment_score":0.15092673897743225},{"text":"Absolutely.","start":333.25497,"end":333.75497,"sentiment":"neutral","sentiment_score":0.20080801844596863}],"sentiment":"neutral","sentiment_score":0.16441652743202267,"num_words":33,"start":253.765,"end":333.75497},{"sentences":[{"text":"Alright.","start":334.29498,"end":334.79498,"sentiment":"neutral","sentiment_score":0.28443169593811035},{"text":"Perfect.","start":335.09497,"end":335.59497,"sentiment":"positive","sentiment_score":0.4796064794063568},{"text":"No.","start":346.03,"end":346.35,"sentiment":"neutral","sentiment_score":-0.16290690004825592},{"text":"It and it's not.","start":346.35,"end":347.57,"sentiment":"neutral","sentiment_score":-0.12870617024600506},{"text":"The fact that you are, a, willing to engage and look at things now is an absolute testament and benefit to yourself because talking to you in twenty years' time is a very it's a much different conversation.","start":347.87,"end":365.89,"sentiment":"neutral","sentiment_score":0.2629270708482516}],"sentiment":"neutral","sentiment_score":0.22394522858990562,"num_words":45,"start":334.29498,"end":365.89},{"sentences":[{"text":"So a conversation today means that we can take those steps to set you up with avenues for personal wealth building as well as growth through your superannuation fund and other avenues like that.","start":369.63,"end":383.26498,"sentiment":"positive","sentiment_score":0.42916278804049773},{"text":"Rather than, you know, in twenty years' time when we are, you know, in our mid fifties, it's sometimes past time where we can take some of those riskier steps.","start":384.285,"end":395.84,"sentiment":"neutral","sentiment_score":-0.020511845390622816},{"text":"So, obviously, you have a half decent amount of knowledge with respect to superannuation and retirement and where you're able to retire and access.","start":397.42,"end":407.385,"sentiment":"positive","sentiment_score":0.41904227683941525},{"text":"So I just wanna, I guess, make sure that you are definitely aligned.","start":407.525,"end":410.345,"sentiment":"positive","sentiment_score":0.5002786242044889},{"text":"Age 60 is when you can retire and access your superannuation.","start":410.885,"end":416.185,"sentiment":"neutral","sentiment_score":0.13916966183619064}],"sentiment":"neutral","sentiment_score":0.28631859348804156,"num_words":112,"start":369.63,"end":416.185},{"sentences":[{"text":"A lot of people confuse 65 and 67, but 60 is when you can access your superannuation currently under legislation.","start":417.045,"end":424.34,"sentiment":"neutral","sentiment_score":-0.022960095107555388},{"text":"60 five?","start":425.68,"end":426.66,"sentiment":"neutral","sentiment_score":-0.023286520037800074},{"text":"Mhmm.","start":427.68,"end":428.18,"sentiment":"neutral","sentiment_score":-0.09956803172826768},{"text":"Yeah.","start":429.68,"end":430.0,"sentiment":"neutral","sentiment_score":-0.018344946205615997},{"text":"Correct.","start":430.0,"end":430.48,"sentiment":"neutral","sentiment_score":0.022569868713617325}],"sentiment":"neutral","sentiment_score":-0.02404472205787897,"num_words":25,"start":417.045,"end":430.48},{"sentences":[{"text":"Yeah.","start":430.48,"end":430.72,"sentiment":"neutral","sentiment_score":0.022278275340795517},{"text":"So 60 is where there's a there's a a caveat upon you accessing, and it's either transitionary or you're fully retired or you're working under ten hours.","start":430.72,"end":440.335,"sentiment":"neutral","sentiment_score":-0.05315162669177408},{"text":"You see some form of employment.","start":440.635,"end":442.255,"sentiment":"neutral","sentiment_score":-0.05994540018339952},{"text":"There's restrictions to it.","start":442.715,"end":445.115,"sentiment":"neutral","sentiment_score":-0.11572396941483021},{"text":"From 60 five, there's no restrictions at all.","start":445.115,"end":447.675,"sentiment":"neutral","sentiment_score":0.09176493855193257}],"sentiment":"neutral","sentiment_score":-0.032636182949594826,"num_words":46,"start":430.48,"end":447.675},{"sentences":[{"text":"You can access it irrespective of whether you're working full time or not.","start":447.675,"end":450.815,"sentiment":"neutral","sentiment_score":0.0929673806979106},{"text":"And 67, which is what a lot of people get hung up on, is that pension age.","start":451.15,"end":455.63,"sentiment":"neutral","sentiment_score":-0.20757807331050143},{"text":"You don't care about that age, and we're not even gonna talk about that age.","start":455.63,"end":458.44998,"sentiment":"neutral","sentiment_score":-0.1955562929312388},{"text":"So what we're gonna focus on is before 60.","start":459.06998,"end":463.65,"sentiment":"neutral","sentiment_score":-0.023137302034431033},{"text":"So, obviously, because we can't access until 60, it means that any retirement that we do prior to 60 would have to be self funded.","start":464.16498,"end":473.865,"sentiment":"neutral","sentiment_score":-0.077098920494318}],"sentiment":"neutral","sentiment_score":-0.09353549901065947,"num_words":79,"start":447.675,"end":473.865},{"sentences":[{"text":"So focusing on looking at assets in your own name.","start":475.04498,"end":479.72,"sentiment":"neutral","sentiment_score":0.08652284108102322},{"text":"You currently have a property.","start":479.86002,"end":481.4,"sentiment":"neutral","sentiment_score":0.07506758123636245},{"text":"Is property an investment avenue that you would consider in the future?","start":481.86002,"end":487.0,"sentiment":"neutral","sentiment_score":0.10638629831373692},{"text":"Or Yeah.","start":487.06,"end":507.51,"sentiment":"neutral","sentiment_score":-0.00004213489592075348},{"text":"Yeah.","start":520.625,"end":521.125,"sentiment":"neutral","sentiment_score":-0.050679463893175125}],"sentiment":"neutral","sentiment_score":0.08221460543572903,"num_words":30,"start":475.04498,"end":521.125},{"sentences":[{"text":"Yep.","start":521.265,"end":521.765,"sentiment":"neutral","sentiment_score":-0.037548039108514786},{"text":"Yep.","start":525.27997,"end":525.75995,"sentiment":"neutral","sentiment_score":-0.011792704463005066},{"text":"No.","start":525.75995,"end":526.24,"sentiment":"neutral","sentiment_score":-0.0711146742105484},{"text":"Perfect.","start":526.24,"end":526.74,"sentiment":"positive","sentiment_score":0.7595267295837402},{"text":"It it's still a consideration because, obviously, you need to have liquidity to be able to engage in something like that.","start":526.87994,"end":533.3,"sentiment":"neutral","sentiment_score":0.2236471516745431}],"sentiment":"neutral","sentiment_score":0.21342645987868308,"num_words":25,"start":521.265,"end":533.3},{"sentences":[{"text":"So whether that's, you know, liquidity in, you know, well, I guess, equity in your current property gives you the capacity to go and purchase again rather than anything else.","start":533.92,"end":546.21497,"sentiment":"neutral","sentiment_score":0.1277628509948651},{"text":"That's, I guess, making sure that we don't over leverage you to the point where you don't have the opportunity if it ever arises to go and purchase something that falls into your lap.","start":546.21497,"end":557.52,"sentiment":"neutral","sentiment_score":0.0366326085264411},{"text":"Because, obviously, you work in the industry.","start":558.7,"end":560.48,"sentiment":"neutral","sentiment_score":0.028216775240642682},{"text":"Sometimes houses do just fall into your lap.","start":560.94,"end":563.26,"sentiment":"neutral","sentiment_score":-0.02987901517190039},{"text":"It's not that you're looking.","start":563.26,"end":564.46,"sentiment":"neutral","sentiment_score":-0.03295226097106933}],"sentiment":"neutral","sentiment_score":0.058001407383320235,"num_words":84,"start":533.92,"end":564.46},{"sentences":[{"text":"It's just it exists.","start":564.46,"end":565.84,"sentiment":"neutral","sentiment_score":-0.00776333175599575},{"text":"Yeah.","start":569.735,"end":570.235,"sentiment":"neutral","sentiment_score":0.023885708302259445},{"text":"So currently, we're we're putting away sort of $500 a week.","start":570.455,"end":576.935,"sentiment":"neutral","sentiment_score":-0.00500850876877931},{"text":"Is that in savings, is that money actually being saved, or is that money being put onto the mortgage currently as additional repayments?","start":576.935,"end":584.98004,"sentiment":"neutral","sentiment_score":-0.019634824246168137},{"text":"Or where is that money kind of going?","start":585.04004,"end":586.83,"sentiment":"neutral","sentiment_score":-0.026831093477085233}],"sentiment":"neutral","sentiment_score":-0.015500232354400957,"num_words":47,"start":564.46,"end":586.83},{"sentences":[{"text":"Yeah.","start":595.055,"end":595.555,"sentiment":"neutral","sentiment_score":-0.0021335408091545105},{"text":"Yep.","start":596.33496,"end":596.83496,"sentiment":"neutral","sentiment_score":0.007697194814682007},{"text":"Yep.","start":638.73004,"end":639.23004,"sentiment":"neutral","sentiment_score":0.019868673756718636},{"text":"Yep.","start":649.385,"end":649.885,"sentiment":"neutral","sentiment_score":0.0034208311699330807},{"text":"Yeah.","start":667.815,"end":668.055,"sentiment":"neutral","sentiment_score":0.01716485619544983}],"sentiment":"neutral","sentiment_score":0.009203603025525808,"num_words":5,"start":595.055,"end":668.055},{"sentences":[{"text":"No.","start":668.055,"end":668.455,"sentiment":"neutral","sentiment_score":0.0020078811794519424},{"text":"Absolutely.","start":668.455,"end":668.955,"sentiment":"neutral","sentiment_score":0.053551360964775085},{"text":"So on the like, your your CMC account or your your your stock account, we're just we're dabbling.","start":670.215,"end":676.775,"sentiment":"neutral","sentiment_score":0.03719033528533247},{"text":"We just kind of invest and hold, or are we kind of day trading a little bit?","start":676.775,"end":680.455,"sentiment":"neutral","sentiment_score":0.03294301920515649},{"text":"Or Yep.","start":680.455,"end":684.15,"sentiment":"neutral","sentiment_score":0.03232516814023256}],"sentiment":"neutral","sentiment_score":0.03460684461662403,"num_words":39,"start":668.055,"end":684.15},{"sentences":[{"text":"Cool.","start":688.21,"end":688.71,"sentiment":"positive","sentiment_score":0.4994701147079468},{"text":"No.","start":691.65,"end":692.13,"sentiment":"neutral","sentiment_score":-0.0005587488412857056},{"text":"Perfect.","start":692.13,"end":692.61005,"sentiment":"neutral","sentiment_score":0.11024962365627287},{"text":"No.","start":692.61005,"end":692.93005,"sentiment":"neutral","sentiment_score":0.009538359940052032},{"text":"Absolutely.","start":692.93005,"end":693.43005,"sentiment":"neutral","sentiment_score":0.045206233859062195}],"sentiment":"neutral","sentiment_score":0.13278111666440964,"num_words":5,"start":688.21,"end":693.43005},{"sentences":[{"text":"Cool.","start":695.59503,"end":695.91504,"sentiment":"neutral","sentiment_score":0.22474509477615356},{"text":"And the whole avenue like, the reason that we're purchasing shares in that account is specifically so we have, I guess, personal assets for that retirement avenue?","start":695.91504,"end":707.135,"sentiment":"neutral","sentiment_score":0.08305059194012925},{"text":"Overall.","start":743.885,"end":744.385,"sentiment":"neutral","sentiment_score":0.09490019083023073},{"text":"Okay.","start":747.405,"end":747.905,"sentiment":"neutral","sentiment_score":0.05712326616048813},{"text":"And I guess, CMC account, are we individual stocks, or are we, like, ETFs, managed funds?","start":749.085,"end":757.825,"sentiment":"neutral","sentiment_score":0.019168148166500032}],"sentiment":"neutral","sentiment_score":0.06360488923509484,"num_words":46,"start":695.59503,"end":757.825},{"sentences":[{"text":"Yeah.","start":770.26,"end":770.58,"sentiment":"neutral","sentiment_score":0.06509783864021301},{"text":"Okay.","start":770.58,"end":770.98004,"sentiment":"neutral","sentiment_score":0.12442327290773392},{"text":"Cool.","start":770.98004,"end":771.30005,"sentiment":"neutral","sentiment_score":0.13187281787395477},{"text":"No.","start":771.30005,"end":771.62006,"sentiment":"neutral","sentiment_score":-0.05221225321292877},{"text":"Just give me a feel for where you're at.","start":771.62006,"end":773.22003,"sentiment":"neutral","sentiment_score":0.1522060160835584}],"sentiment":"neutral","sentiment_score":0.12607967853546143,"num_words":13,"start":770.26,"end":773.22003},{"sentences":[{"text":"Perfect.","start":773.22003,"end":773.72003,"sentiment":"positive","sentiment_score":0.6425673365592957},{"text":"Alright.","start":775.115,"end":775.59503,"sentiment":"neutral","sentiment_score":0.21217553317546844},{"text":"So we're kind of doing a little bit of trading, just having fun over there, accumulating wealth personally, and then we still have our savings that we're kind of just putting away rainy day towards everything that we wanna do.","start":775.59503,"end":790.43005,"sentiment":"neutral","sentiment_score":0.1667273678816855},{"text":"Now I guess one of the biggest things and I'm gonna be really clear when I say this that I am not going to push you into one avenue or another, but I wouldn't be doing my job if I didn't at least raise the question.","start":793.45,"end":810.065,"sentiment":"neutral","sentiment_score":-0.161799568682909},{"text":"Your insurance within AustralianSuper, I understand that you canceled it because we're fit and healthy, which is fantastic, and I love that.","start":811.165,"end":820.10004,"sentiment":"neutral","sentiment_score":0.28036447208036075}],"sentiment":"neutral","sentiment_score":0.056809780103239144,"num_words":110,"start":773.22003,"end":820.10004},{"sentences":[{"text":"The only reason I raise it is because insurance protects us personally.","start":821.52,"end":826.26,"sentiment":"neutral","sentiment_score":0.1164768176774184},{"text":"So we insure our vehicles.","start":826.64,"end":828.58,"sentiment":"neutral","sentiment_score":0.10346972644329071},{"text":"We insure our house because if an event occurs, we're then able to rebuild our house or the car accident that we had when we ran up the back of the Lamborghini, we're covered and protected.","start":828.64,"end":840.235,"sentiment":"neutral","sentiment_score":0.08698161339594258},{"text":"Now personal insurance, which is what you would have had inside your Australian Super, covers you personally in the event that you had an event.","start":842.375,"end":852.7,"sentiment":"neutral","sentiment_score":0.06406738162040711},{"text":"So sometimes that could be an accident, not just an illness.","start":853.16,"end":856.04,"sentiment":"neutral","sentiment_score":-0.015143019570545717}],"sentiment":"neutral","sentiment_score":0.07282606575093913,"num_words":89,"start":821.52,"end":856.04},{"sentences":[{"text":"We're fit and healthy right now, so there's no illnesses.","start":856.04,"end":858.54,"sentiment":"neutral","sentiment_score":0.13789405934512616},{"text":"But let's just say that we were in that car accident and we were not able to work for a period of time.","start":859.085,"end":866.145,"sentiment":"neutral","sentiment_score":-0.12625108967008797},{"text":"How would that affect your capacity to pay your bills if you were not working?","start":866.60504,"end":871.565,"sentiment":"neutral","sentiment_score":-0.15664688696463902},{"text":"Is there any other income sources you have?","start":871.565,"end":874.22003,"sentiment":"neutral","sentiment_score":-0.07583029381930828},{"text":"Obviously, there's the the trading account for this $30 that you could pull out.","start":874.22003,"end":878.0,"sentiment":"neutral","sentiment_score":-0.0346427820622921}],"sentiment":"neutral","sentiment_score":-0.07094541532652719,"num_words":70,"start":856.04,"end":878.0},{"sentences":[{"text":"We don't want to, but we could.","start":878.22003,"end":880.08,"sentiment":"neutral","sentiment_score":-0.09682866718087878},{"text":"I guess, I yeah.","start":882.7,"end":885.935,"sentiment":"neutral","sentiment_score":-0.08521559182554483},{"text":"Okay.","start":887.435,"end":887.935,"sentiment":"neutral","sentiment_score":-0.020362425595521927},{"text":"And look.","start":888.555,"end":889.59503,"sentiment":"neutral","sentiment_score":-0.02513561863452196},{"text":"I get it.","start":889.59503,"end":890.075,"sentiment":"neutral","sentiment_score":-0.01491290827592214}],"sentiment":"neutral","sentiment_score":-0.0667079661918037,"num_words":17,"start":878.22003,"end":890.075},{"sentences":[{"text":"You're you're you're 32.","start":890.075,"end":891.435,"sentiment":"neutral","sentiment_score":-0.024143835995346308},{"text":"I am literally in the same age bracket that you are.","start":891.435,"end":894.015,"sentiment":"neutral","sentiment_score":-0.02413789690895514},{"text":"It it's not something we ever want to happen, but I also specialize in claims.","start":894.67505,"end":899.675,"sentiment":"neutral","sentiment_score":-0.06520130361119907},{"text":"I've done claims for a good five years.","start":899.675,"end":901.57,"sentiment":"neutral","sentiment_score":-0.018290423788130283},{"text":"And I have put claims through for 30 year olds both because they are never able to work again, they're temporarily not working again, or, unfortunately, they pass away.","start":902.19,"end":910.21,"sentiment":"neutral","sentiment_score":-0.24769636577573315}],"sentiment":"neutral","sentiment_score":-0.12939745913356987,"num_words":67,"start":890.075,"end":910.21},{"sentences":[{"text":"And whilst I get it, because you are single and, realistically, your estate consists of your assets that you hold personally, and they're gonna be able to sell your home and and, you know, your family will sell your home and walk away with a good couple $100,000.","start":911.87,"end":925.365,"sentiment":"neutral","sentiment_score":0.18595469370484352},{"text":"Life insurance possibly isn't something you care about right this minute.","start":925.745,"end":929.445,"sentiment":"neutral","sentiment_score":-0.1997525729238987},{"text":"I think I'm more focused on the disability portion of it that if you were in an accident and you weren't able to work, how does your mortgage get paid?","start":930.08,"end":938.66,"sentiment":"neutral","sentiment_score":-0.08621173997720083},{"text":"How do you get paid?","start":938.88,"end":939.84,"sentiment":"neutral","sentiment_score":-0.030895781889557838},{"text":"How do you put food on the table?","start":939.84,"end":941.38,"sentiment":"neutral","sentiment_score":-0.013917168136686087}],"sentiment":"neutral","sentiment_score":0.03800371119423824,"num_words":102,"start":911.87,"end":941.38},{"sentences":[{"text":"So do you want to look at insurance, or are you happy accepting the risk?","start":944.325,"end":948.16504,"sentiment":"neutral","sentiment_score":-0.0012419561545054117},{"text":"And it's your risk to accept.","start":948.16504,"end":949.54504,"sentiment":"neutral","sentiment_score":-0.05556873418390751},{"text":"I'm just putting it in terms that makes you think about it from that perspective.","start":949.765,"end":954.10504,"sentiment":"neutral","sentiment_score":-0.04771187013636033},{"text":"I don't need it.","start":963.41,"end":964.21,"sentiment":"neutral","sentiment_score":-0.12191834859549999},{"text":"I'm good.","start":964.21,"end":964.87,"sentiment":"neutral","sentiment_score":0.04715694114565849}],"sentiment":"neutral","sentiment_score":-0.03478760265612176,"num_words":42,"start":944.325,"end":964.87},{"sentences":[{"text":"Yes.","start":975.265,"end":975.765,"sentiment":"neutral","sentiment_score":-0.041171520948410034},{"text":"Yeah.","start":979.8,"end":980.3,"sentiment":"neutral","sentiment_score":0.1279810220003128},{"text":"No.","start":988.52,"end":989.02,"sentiment":"neutral","sentiment_score":-0.3141869306564331},{"text":"Yeah.","start":1005.67,"end":1006.17,"sentiment":"neutral","sentiment_score":0.03365778177976608},{"text":"It's important.","start":1008.38995,"end":1009.20996,"sentiment":"neutral","sentiment_score":0.051264096051454544}],"sentiment":"neutral","sentiment_score":-0.015198575953642527,"num_words":6,"start":975.265,"end":1009.20996},{"sentences":[{"text":"And, again, not to hop on or scare you or anything like that.","start":1009.26996,"end":1013.50995,"sentiment":"negative","sentiment_score":-0.3404310756864456},{"text":"It's accidents happen.","start":1013.50995,"end":1015.11,"sentiment":"negative","sentiment_score":-0.3949432571729024},{"text":"Accidents happen daily.","start":1015.11,"end":1016.32996,"sentiment":"neutral","sentiment_score":-0.32599133253097534},{"text":"Yep.","start":1021.395,"end":1021.895,"sentiment":"negative","sentiment_score":-0.35674041509628296},{"text":"100 percent.","start":1024.435,"end":1025.335,"sentiment":"neutral","sentiment_score":-0.2267148718237877}],"sentiment":"negative","sentiment_score":-0.3362989959899675,"num_words":22,"start":1009.26996,"end":1025.335},{"sentences":[{"text":"Yeah.","start":1026.275,"end":1026.775,"sentiment":"neutral","sentiment_score":-0.3128940463066101},{"text":"That's that's okay.","start":1029.395,"end":1031.5,"sentiment":"neutral","sentiment_score":-0.04057436560591062},{"text":"So I'll look at I'll what I'll do is I'll look at quoting up to see what it costs from an income replacement perspective.","start":1032.12,"end":1039.5599,"sentiment":"neutral","sentiment_score":0.05525689929102858},{"text":"So it means that if you're off work for a short period of time, your income continues being supported.","start":1039.5599,"end":1044.5399,"sentiment":"neutral","sentiment_score":0.008227020109954634},{"text":"And then I'll look at the total disability perspective.","start":1045.5651,"end":1049.425,"sentiment":"neutral","sentiment_score":0.012410810010300742}],"sentiment":"neutral","sentiment_score":0.020706412715039084,"num_words":56,"start":1026.275,"end":1049.425},{"sentences":[{"text":"So it means if you're never able to work again, what that looks like.","start":1049.645,"end":1053.425,"sentiment":"neutral","sentiment_score":-0.03563668765127659},{"text":"Whilst I understand that your job is fifty fifty, so you you have office and field capacity, and that it could be an opportunity for you to move solely into the office.","start":1054.365,"end":1064.39,"sentiment":"neutral","sentiment_score":0.031023980176541954},{"text":"Sometimes, maybe you can't capacity wise from the illness or just occupation wise from the job perspective.","start":1066.45,"end":1076.155,"sentiment":"neutral","sentiment_score":-0.0711915529168704},{"text":"It could be something that, you know, pays off your mortgage and allows you to be debt free.","start":1077.655,"end":1082.695,"sentiment":"neutral","sentiment_score":0.017551411357190874},{"text":"Yeah.","start":1082.695,"end":1083.195,"sentiment":"neutral","sentiment_score":0.031863272190093994}],"sentiment":"neutral","sentiment_score":-0.004495292493119472,"num_words":82,"start":1049.645,"end":1083.195},{"sentences":[{"text":"So I'll look at it from from that kind of perspective.","start":1085.255,"end":1087.835,"sentiment":"neutral","sentiment_score":0.055139992386102676},{"text":"What if we were to look at covering you for a lump sum benefit in the t fee or in the total pump disability realm would you want covered?","start":1089.04,"end":1098.5801,"sentiment":"neutral","sentiment_score":0.059750679109630916},{"text":"Would it just be the mortgage with a little bit on the side, or would you want to still make sure that you're covering to get to your retirement goals?","start":1098.8,"end":1109.795,"sentiment":"neutral","sentiment_score":0.009776124234000842},{"text":"Yeah.","start":1138.765,"end":1139.265,"sentiment":"neutral","sentiment_score":-0.039824482053518295},{"text":"Okay.","start":1140.7,"end":1141.2,"sentiment":"neutral","sentiment_score":-0.1171613410115242}],"sentiment":"neutral","sentiment_score":0.03438343769974179,"num_words":72,"start":1085.255,"end":1141.2},{"sentences":[{"text":"So that's okay.","start":1141.74,"end":1142.86,"sentiment":"neutral","sentiment_score":-0.037931365271409355},{"text":"I can I can answer I can answer the figure perspective?","start":1142.86,"end":1146.1599,"sentiment":"neutral","sentiment_score":0.0026748019524595952},{"text":"The only question, I guess, I would want answered from you because I can't answer it is if you were never able to work again, tomorrow, you could you just couldn't work again, whatever the reason was, would you accept that your life has fundamentally changed and the goals that you discussed today were never gonna be able to be reached and achieved because your income could no longer be be supported if you don't have an income anymore?","start":1146.38,"end":1172.24,"sentiment":"neutral","sentiment_score":-0.148819654897044},{"text":"Or would you still want, irrespective of working or not, you to achieve those goals?","start":1173.02,"end":1177.8401,"sentiment":"neutral","sentiment_score":-0.032416937251885734},{"text":"Yeah.","start":1195.45,"end":1195.95,"sentiment":"neutral","sentiment_score":-0.07978709042072296}],"sentiment":"neutral","sentiment_score":-0.11382720330644638,"num_words":109,"start":1141.74,"end":1195.95},{"sentences":[{"text":"Yeah.","start":1200.8099,"end":1201.3099,"sentiment":"neutral","sentiment_score":-0.08108283579349518},{"text":"It is.","start":1202.8899,"end":1203.6299,"sentiment":"neutral","sentiment_score":-0.16752256453037262},{"text":"No.","start":1204.6649,"end":1205.1649,"sentiment":"neutral","sentiment_score":-0.153376042842865},{"text":"Yeah.","start":1209.705,"end":1210.205,"sentiment":"neutral","sentiment_score":0.01568560302257538},{"text":"I do.","start":1212.105,"end":1212.765,"sentiment":"neutral","sentiment_score":0.09108185768127441}],"sentiment":"neutral","sentiment_score":-0.053093527044568746,"num_words":7,"start":1200.8099,"end":1212.765},{"sentences":[{"text":"Yeah.","start":1214.0249,"end":1214.5249,"sentiment":"neutral","sentiment_score":0.00200858898460865},{"text":"Definitely.","start":1222.28,"end":1222.78,"sentiment":"neutral","sentiment_score":0.11573698371648788},{"text":"I mean, technically, your early retirement goal is achieved because you never have to work again.","start":1223.72,"end":1228.7,"sentiment":"neutral","sentiment_score":0.1658540228381753},{"text":"Totally.","start":1234.465,"end":1234.965,"sentiment":"neutral","sentiment_score":0.1648438274860382},{"text":"Yep.","start":1235.185,"end":1235.685,"sentiment":"neutral","sentiment_score":0.06320824474096298}],"sentiment":"neutral","sentiment_score":0.14997310051694512,"num_words":20,"start":1214.0249,"end":1235.685},{"sentences":[{"text":"No.","start":1239.025,"end":1239.345,"sentiment":"neutral","sentiment_score":0.007088173180818558},{"text":"That's that's okay.","start":1239.345,"end":1240.305,"sentiment":"neutral","sentiment_score":0.16791196167469025},{"text":"That's that it it gives me a good scope to be able to calculate from there income replacement debts, all that kind of stuff.","start":1240.305,"end":1246.86,"sentiment":"neutral","sentiment_score":0.18192834127694368},{"text":"So I can I can pull those figures?","start":1246.86,"end":1248.2999,"sentiment":"neutral","sentiment_score":0.1037956876680255},{"text":"That's fine.","start":1248.2999,"end":1248.96,"sentiment":"neutral","sentiment_score":0.24277839809656143}],"sentiment":"neutral","sentiment_score":0.16297438279970697,"num_words":38,"start":1239.025,"end":1248.96},{"sentences":[{"text":"Alright.","start":1249.82,"end":1250.32,"sentiment":"neutral","sentiment_score":0.04163367673754692},{"text":"So I guess moving forward in in respect to the investment side of things, I can see that you are heavily, I guess, more aggressively invested.","start":1250.38,"end":1260.905,"sentiment":"neutral","sentiment_score":0.10062788240611553},{"text":"You know, we're very heavy into our international shares, which is okay.","start":1261.525,"end":1265.285,"sentiment":"neutral","sentiment_score":0.14133345102891326},{"text":"Absolutely nothing wrong with that.","start":1265.285,"end":1266.745,"sentiment":"positive","sentiment_score":0.39409159719944},{"text":"I guess the biggest question I have for you is when it comes to risk taking with investments, because you do trade a little bit, and your individual stocks, there's an ETF in there, and you're very heavy in in your international shares, whether you are maybe more suited to go a little bit more aggressive with your investments.","start":1268.0851,"end":1290.825,"sentiment":"neutral","sentiment_score":-0.018396326924784708}],"sentiment":"neutral","sentiment_score":0.05086441484542148,"num_words":103,"start":1249.82,"end":1290.825},{"sentences":[{"text":"You came out as quite an aggressive investor when we did the investor risk profile questionnaire, which it is just a tool.","start":1291.445,"end":1296.725,"sentiment":"neutral","sentiment_score":0.1862452429803935},{"text":"The whole point of that tool is to gauge where you sit in a risk profile.","start":1296.725,"end":1300.92,"sentiment":"neutral","sentiment_score":0.14435810828581452},{"text":"And a risk profile is realistically looking at whether a 100%, 90%, 80, and so on and so forth of the overall assets should be invested in the market and to what degree, whether it's growth or value start like, started stocks or whether it's defensive, you know, regulated stocks.","start":1301.06,"end":1319.725,"sentiment":"neutral","sentiment_score":0.0744576469808817},{"text":"So what what that tool showed me was that you are to the 90, a 100% kind of bracket as a as a risk taker.","start":1320.025,"end":1329.12,"sentiment":"neutral","sentiment_score":0.10617626368999482},{"text":"Now, realistically, risk breaks down further than that because then we have our stocks and shares that, you know, are better regulated, maybe blue chip, have been around for longer, have risk ratings like the alpha and the beta, which is how they perform against the benchmark.","start":1329.34,"end":1346.9651,"sentiment":"neutral","sentiment_score":0.08992322185572157}],"sentiment":"neutral","sentiment_score":0.10631753404159099,"num_words":160,"start":1291.445,"end":1346.9651},{"sentences":[{"text":"And then you obviously have, you know, on the reverse things where you've got your higher risk stocks, your emerging companies, you've got, you know, potential asset managers that are fairly new to the market, haven't, you know, been in the game for as long, stuff like that.","start":1348.305,"end":1364.77,"sentiment":"neutral","sentiment_score":0.00883455954802533},{"text":"Now we look at two different avenues of of investing.","start":1365.3099,"end":1371.01,"sentiment":"neutral","sentiment_score":0.1602601669728756},{"text":"There's, you know, your ETFs, which are obviously your lower cost assets that generally track the market.","start":1371.23,"end":1381.595,"sentiment":"neutral","sentiment_score":0.17523079102530198},{"text":"Okay?","start":1381.6549,"end":1381.975,"sentiment":"neutral","sentiment_score":0.15408870577812195},{"text":"And then you look at diversifying out through that.","start":1381.975,"end":1384.26,"sentiment":"neutral","sentiment_score":0.15088017202085918}],"sentiment":"neutral","sentiment_score":0.07667757916976424,"num_words":85,"start":1348.305,"end":1384.26},{"sentences":[{"text":"Or on the flip side, you look at your managed funds, which the whole point of a managed fund is generally a little bit more expensive, but the whole point is to try and outpace the market, or it's on the negative or the positive depending on what they're obviously trying to achieve.","start":1384.34,"end":1397.0,"sentiment":"neutral","sentiment_score":0.004948093397718556},{"text":"As an investor type, which side of that coin do you kind of feel you fall on?","start":1398.355,"end":1403.335,"sentiment":"neutral","sentiment_score":0.020093415042056757},{"text":"Like, ETF.","start":1407.715,"end":1408.775,"sentiment":"neutral","sentiment_score":0.08423622697591782},{"text":"Yeah.","start":1409.475,"end":1409.975,"sentiment":"neutral","sentiment_score":0.1716882288455963},{"text":"Yep.","start":1414.51,"end":1415.01,"sentiment":"positive","sentiment_score":0.34394773840904236}],"sentiment":"neutral","sentiment_score":0.017404667932439496,"num_words":74,"start":1384.34,"end":1415.01},{"sentences":[{"text":"Yep.","start":1434.4451,"end":1434.84,"sentiment":"neutral","sentiment_score":0.11529353260993958},{"text":"Yep.","start":1436.76,"end":1437.26,"sentiment":"neutral","sentiment_score":0.09685902297496796},{"text":"Yeah.","start":1509.5701,"end":1510.0701,"sentiment":"neutral","sentiment_score":0.11144590377807616},{"text":"So when it comes to super, individual stocks, little bit more risk.","start":1510.2101,"end":1515.91,"sentiment":"neutral","sentiment_score":0.010226184812684854},{"text":"And, also, because contributions going in the high volume, it's the same reason you only trade once you've hit $500.","start":1516.13,"end":1525.4249,"sentiment":"neutral","sentiment_score":0.0426861496642232}],"sentiment":"neutral","sentiment_score":0.03714387629713331,"num_words":35,"start":1434.4451,"end":1525.4249},{"sentences":[{"text":"A, generally, you've got a $500 minimum buy in.","start":1525.4249,"end":1528.085,"sentiment":"neutral","sentiment_score":0.04370924871828821},{"text":"But your your, oh my god, what's it called, the buy sell cost to actually trade on individual stocks on the open market is gonna be quite heavy, especially if you're buying into, you know, say, 20 different you'd probably diversify further than 20 different individual companies, but you probably have maybe up to 80 different individual companies in a portfolio to few $100,000 to get some decent diversity going.","start":1529.6649,"end":1561.21,"sentiment":"neutral","sentiment_score":0.055770829652569125},{"text":"So individual stocks, yeah, definitely possible within a superannuation fund, 100%.","start":1564.07,"end":1569.03,"sentiment":"positive","sentiment_score":0.36826652559367096},{"text":"Not saying it's not, but probably a small percentage of the overall thumb, not something that you would have, like, just individual stocks the whole way through because the trading cost on that would be astronomical.","start":1569.03,"end":1582.055,"sentiment":"neutral","sentiment_score":-0.008340501399490878},{"text":"The fees just to trade it would get really high really quick.","start":1582.71,"end":1586.57,"sentiment":"neutral","sentiment_score":0.3093750551342964}],"sentiment":"neutral","sentiment_score":0.08522112831090362,"num_words":138,"start":1525.4249,"end":1586.57},{"sentences":[{"text":"Versus your ETF, it diversifies things out, allows you to, you know, be in, say, 10 to 30 different stock options within that fund.","start":1587.6699,"end":1595.21,"sentiment":"neutral","sentiment_score":0.2656814344227314},{"text":"You're not paying for a a purchase cost and you buy, sell much much more reduced.","start":1595.855,"end":1601.555,"sentiment":"neutral","sentiment_score":0.23311361856758595},{"text":"However, you obviously have your what's called a a MER or a management fee that's incorporated within that ETF or a managed fund, so on and so forth.","start":1602.015,"end":1612.99,"sentiment":"neutral","sentiment_score":0.03805683174037507},{"text":"They they all do have their fees, obviously, whereas your individual stocks don't.","start":1612.99,"end":1616.77,"sentiment":"neutral","sentiment_score":-0.042390608157102876},{"text":"I can definitely look at ETFs to begin with.","start":1618.9099,"end":1622.985,"sentiment":"positive","sentiment_score":0.4859400950372219}],"sentiment":"neutral","sentiment_score":0.16660162845833434,"num_words":90,"start":1587.6699,"end":1622.985},{"sentences":[{"text":"And then, obviously, as the relationship builds, as we work together moving forward, we can look at incorporating stocks in areas that you're interested in, in areas that you wanna include those stock options in things that, you know, you're purchasing personally, if you wanna incorporate them into your superannuation fund, it's something we can definitely look at as well.","start":1622.985,"end":1640.4,"sentiment":"neutral","sentiment_score":0.27209967548648517},{"text":"Not something I generally start off with in a relationship to begin with, purely and simply because individual stocks are very, very personalized opinion based, I guess, purchase, but something we can definitely, I guess, broach into.","start":1640.62,"end":1658.6849,"sentiment":"neutral","sentiment_score":0.10360554645995836},{"text":"Now with respect to, I guess, where we head from here, what we would wanna do or what I would wanna do is have a look at everything from an overall perspective.","start":1659.225,"end":1670.4601,"sentiment":"neutral","sentiment_score":0.15721838339231908},{"text":"I I would research where you're currently at, you know, being everything that's sitting within your Australian super, how it's gone, how it's performed, the asset split between the three classes that you currently have.","start":1672.6001,"end":1688.4249,"sentiment":"neutral","sentiment_score":0.1255603660430227},{"text":"And then I would look at other options that are available in the market to a heavier investment, like, you know, to allocate you within the risk profile that you're invested.","start":1689.365,"end":1698.53,"sentiment":"neutral","sentiment_score":0.0601702319277871}],"sentiment":"neutral","sentiment_score":0.1612834052206614,"num_words":195,"start":1622.985,"end":1698.53},{"sentences":[{"text":"One of the things I did wanna, I guess, find out was whether you know what leveraged or gearing geared investments are.","start":1699.71,"end":1707.65,"sentiment":"neutral","sentiment_score":0.04018856669691476},{"text":"Okay.","start":1727.01,"end":1727.51,"sentiment":"neutral","sentiment_score":0.028506504371762276},{"text":"Okay.","start":1733.2649,"end":1733.7649,"sentiment":"neutral","sentiment_score":-0.022109361365437508},{"text":"So there's average no.","start":1734.7849,"end":1738.085,"sentiment":"neutral","sentiment_score":-0.06341714039444923},{"text":"No.","start":1741.0249,"end":1741.1849,"sentiment":"neutral","sentiment_score":-0.10066475719213486}],"sentiment":"neutral","sentiment_score":0.018490079019604058,"num_words":29,"start":1699.71,"end":1741.1849},{"sentences":[{"text":"That's okay.","start":1741.1849,"end":1741.745,"sentiment":"neutral","sentiment_score":0.010210762731730938},{"text":"So there's there's basically two ways to invest in a leverage capacity.","start":1741.745,"end":1746.4199,"sentiment":"neutral","sentiment_score":0.09647592529654503},{"text":"One is to go out to a bank, get a loan yourself, and then invest in the stock market.","start":1746.72,"end":1750.5,"sentiment":"neutral","sentiment_score":0.09771495037957241},{"text":"At the end of the twelve months, whatever you've made or lost, you still have an obligation to return the money to the bank and pay them the interest that that you've incurred.","start":1750.5599,"end":1759.255,"sentiment":"neutral","sentiment_score":0.027825681097579723},{"text":"If you've made money, happy days, you get the earnings, they get the principal and the interest.","start":1759.955,"end":1764.535,"sentiment":"positive","sentiment_score":0.5319714458549724}],"sentiment":"neutral","sentiment_score":0.1565840812287776,"num_words":83,"start":1741.1849,"end":1764.535},{"sentences":[{"text":"If you've lost money, therein lies the risk.","start":1765.635,"end":1768.135,"sentiment":"negative","sentiment_score":-0.5265436246991158},{"text":"The other option is to go into it's just like what you have, like a leveraged or geared fund or ETF, where they basically internally borrow the money and you and they invested on the market.","start":1769.73,"end":1782.71,"sentiment":"neutral","sentiment_score":0.0979396788817313},{"text":"Same sort of thing, but it happens interfund.","start":1783.105,"end":1785.445,"sentiment":"neutral","sentiment_score":0.10599407833069563},{"text":"The risk is less with you.","start":1785.745,"end":1787.1849,"sentiment":"neutral","sentiment_score":-0.05664388214548429},{"text":"So, for example, say, if you were to lose a 100% of the money that you've invested, you've lost a 100%.","start":1787.1849,"end":1793.105,"sentiment":"neutral","sentiment_score":-0.0307497229604494}],"sentiment":"neutral","sentiment_score":-0.010432600079080727,"num_words":79,"start":1765.635,"end":1793.105},{"sentences":[{"text":"You still don't owe anything on top of that.","start":1793.105,"end":1795.365,"sentiment":"neutral","sentiment_score":-0.008779036502043406},{"text":"That's the risk that the funds takes.","start":1795.8,"end":1797.8,"sentiment":"neutral","sentiment_score":0.1676878503390721},{"text":"So it it alleviates the risk that you're taking from that capacity.","start":1797.8,"end":1802.8601,"sentiment":"neutral","sentiment_score":0.1579094206293424},{"text":"Is leveraged investments something that you would want to look at from a superannuation perspective now, or is that maybe something you may wanna look at later down the future after an established relationship and you can see how we're going with everything we're doing?","start":1803.64,"end":1820.645,"sentiment":"neutral","sentiment_score":0.2429268835319413},{"text":"Yeah.","start":1832.0801,"end":1832.5801,"sentiment":"neutral","sentiment_score":0.0291163083165884}],"sentiment":"neutral","sentiment_score":0.18852084781974554,"num_words":74,"start":1793.105,"end":1832.5801},{"sentences":[{"text":"I think so.","start":1844.255,"end":1845.2351,"sentiment":"neutral","sentiment_score":0.06250423317154248},{"text":"Absolutely.","start":1852.3201,"end":1852.8201,"sentiment":"positive","sentiment_score":0.5784794092178345},{"text":"And, realistically, working with an adviser, it does work to that capacity.","start":1853.12,"end":1856.74,"sentiment":"positive","sentiment_score":0.4435407395164172},{"text":"Sometimes we look at things right now, and sometimes, you know, a conversation we're having right now could be something that we execute in two, three, five years' time.","start":1857.2001,"end":1864.145,"sentiment":"neutral","sentiment_score":0.2034195353244913},{"text":"You know, you mentioned kids and a wife.","start":1865.485,"end":1867.5851,"sentiment":"neutral","sentiment_score":0.12531554885208607}],"sentiment":"neutral","sentiment_score":0.2450975829840831,"num_words":53,"start":1844.255,"end":1867.5851},{"sentences":[{"text":"Obviously, not something for the immediate, but, you know, it's something that you have in your life as a as a life goal for yourself and something that we, you know, can incorporate into everything down the future, you know, whether it's investments for the kids to put money away ready for them to buy a house or buy a car.","start":1868.2051,"end":1886.6901,"sentiment":"neutral","sentiment_score":0.3269364369697258},{"text":"It's things we can look at as life changes and evolves.","start":1886.8301,"end":1889.89,"sentiment":"neutral","sentiment_score":0.28209288011897693},{"text":"Cool.","start":1892.055,"end":1892.555,"sentiment":"positive","sentiment_score":0.5726717710494995},{"text":"Alright.","start":1892.695,"end":1893.095,"sentiment":"positive","sentiment_score":0.4863572120666504},{"text":"Well, I have, a, kept you for long enough, and, b, has everything that I possibly need right this second.","start":1893.095,"end":1898.855,"sentiment":"positive","sentiment_score":0.4000860393047333}],"sentiment":"positive","sentiment_score":0.3415627032518387,"num_words":94,"start":1868.2051,"end":1898.855},{"sentences":[{"text":"So what I do is I take everything away, I research everything, and then I put together a statement of advice.","start":1898.855,"end":1904.715,"sentiment":"neutral","sentiment_score":0.22402561278570265},{"text":"So it's a big glorious document that I will present to you and we'll go through from there.","start":1905.175,"end":1911.29,"sentiment":"positive","sentiment_score":0.502481523487303},{"text":"But I guess before I leave you to the night, is there anything that you may wanna know from myself?","start":1911.75,"end":1917.69,"sentiment":"neutral","sentiment_score":0.06258655171841383},{"text":"Yep.","start":1934.02,"end":1934.52,"sentiment":"neutral","sentiment_score":0.03744728863239288},{"text":"Yes.","start":1965.3301,"end":1965.81,"sentiment":"neutral","sentiment_score":0.12601199746131897}],"sentiment":"neutral","sentiment_score":0.2485966493726754,"num_words":61,"start":1898.855,"end":1965.81},{"sentences":[{"text":"Yeah.","start":1965.81,"end":1966.31,"sentiment":"neutral","sentiment_score":0.10309883952140808},{"text":"Yep.","start":1969.7351,"end":1970.055,"sentiment":"neutral","sentiment_score":0.13837997615337372},{"text":"So there is a whole section that outlines our fees, the fund fees, the investment fees, every fee on everything for both your current and any recommendation I made.","start":1970.055,"end":1982.29,"sentiment":"neutral","sentiment_score":0.20418698237887745},{"text":"And there is also utilizing historical performance, so both with AustralianSuper in the investments you currently have.","start":1982.83,"end":1989.63,"sentiment":"neutral","sentiment_score":0.19683055754970102},{"text":"Also, I look at AustralianSuper from a if I was to increase the investment risk within your current portfolio or decrease it depending on the client or the portfolio I'm looking at, you know, if you were to alter the current investment within your current super fund, what that outcome looks like versus historical performance of any fund or or portfolio that I built for a client.","start":1989.63,"end":2010.57,"sentiment":"neutral","sentiment_score":0.001816123418176352}],"sentiment":"neutral","sentiment_score":0.08374522653934749,"num_words":115,"start":1965.81,"end":2010.57},{"sentences":[{"text":"And that's realistically what I would be doing is building a portfolio to suit you, to suit where you are from a risk level, where you are from a, you know, gearing, not gearing, ETFs versus managed funds, all that kind of stuff.","start":2011.0499,"end":2028.065,"sentiment":"neutral","sentiment_score":0.07132506066781663},{"text":"Like, that's what I'm looking at.","start":2028.065,"end":2029.105,"sentiment":"neutral","sentiment_score":0.02295888215303421},{"text":"Looking at making sure that I'm weighing up the the alpha and beta of an of a of a portfolio for the long term and not just gearing things ready for the short term.","start":2029.105,"end":2040.04,"sentiment":"neutral","sentiment_score":0.05834541141110308},{"text":"Yes.","start":2050.355,"end":2050.755,"sentiment":"neutral","sentiment_score":0.13738387823104858},{"text":"Yeah.","start":2050.755,"end":2051.255,"sentiment":"neutral","sentiment_score":0.11853016912937164}],"sentiment":"neutral","sentiment_score":0.06405163455261466,"num_words":85,"start":2011.0499,"end":2051.255},{"sentences":[{"text":"Very much so.","start":2055.075,"end":2056.135,"sentiment":"neutral","sentiment_score":0.026508051281174023},{"text":"Yeah.","start":2056.835,"end":2057.335,"sentiment":"neutral","sentiment_score":0.08058834075927734},{"text":"Yes.","start":2058.355,"end":2058.755,"sentiment":"neutral","sentiment_score":0.1633864939212799},{"text":"So I put very, very much.","start":2058.755,"end":2061.0,"sentiment":"neutral","sentiment_score":0.019941775749127068},{"text":"No.","start":2061.48,"end":2061.98,"sentiment":"neutral","sentiment_score":-0.21354497969150543}],"sentiment":"neutral","sentiment_score":0.019133721943944693,"num_words":12,"start":2055.075,"end":2061.98},{"sentences":[{"text":"No.","start":2062.36,"end":2062.52,"sentiment":"neutral","sentiment_score":-0.23465903103351593},{"text":"You're you're allowed to ask the questions.","start":2062.52,"end":2064.3,"sentiment":"neutral","sentiment_score":-0.01219915013228144},{"text":"I've we so very much, if you put our foot our our best foot forward, I guess, is the best way to put it.","start":2064.36,"end":2071.18,"sentiment":"neutral","sentiment_score":0.2092546639032662},{"text":"Industry wide over the last twenty years, there's been a lot of flack thrown at it.","start":2071.48,"end":2077.165,"sentiment":"neutral","sentiment_score":-0.2023962615057826},{"text":"And because of that, you know, we don't ask for an upfront fee.","start":2077.165,"end":2081.4849,"sentiment":"neutral","sentiment_score":-0.0647615658549162}],"sentiment":"neutral","sentiment_score":0.01019374281167984,"num_words":61,"start":2062.36,"end":2081.4849},{"sentences":[{"text":"We don't ask for you to to put any money down before we give you the advice purely and simply because we know that the initial piece of advice is one stage in the entire piece moving forward.","start":2081.4849,"end":2092.98,"sentiment":"neutral","sentiment_score":0.008070542182969419},{"text":"So whilst, yeah, you could, you know, say thanks and run, we know that, you know, we're gonna help you over the long term, and it's not just a, you know, one set and forget strategy.","start":2093.36,"end":2102.1,"sentiment":"neutral","sentiment_score":0.20447286249448857},{"text":"So the whole point and why we do what we do is because we want to put our money where our mouth is realistically and, you know, work with you long term and help you out to get to where you wanna go.","start":2103.605,"end":2117.545,"sentiment":"positive","sentiment_score":0.43292633600013203},{"text":"Cool.","start":2127.3,"end":2127.8,"sentiment":"neutral","sentiment_score":0.24175259470939636},{"text":"No.","start":2128.66,"end":2128.98,"sentiment":"neutral","sentiment_score":-0.037056002765893936}],"sentiment":"neutral","sentiment_score":0.22259019069498828,"num_words":119,"start":2081.4849,"end":2128.98},{"sentences":[{"text":"Absolutely.","start":2128.98,"end":2129.48,"sentiment":"neutral","sentiment_score":0.1078946888446808},{"text":"Well, I think I'd need to pass you back over to Billy.","start":2130.26,"end":2132.875,"sentiment":"neutral","sentiment_score":-0.02857465824733178},{"text":"Not I think.","start":2132.875,"end":2133.515,"sentiment":"neutral","sentiment_score":-0.10764775425195694},{"text":"I do.","start":2133.515,"end":2134.255,"sentiment":"neutral","sentiment_score":-0.004027858376502991},{"text":"Pop me back over to Billy just so he can schedule in the next time that we can talk, go through that advice space and go from there, and I'll get working on things for you tonight.","start":2134.795,"end":2144.7349,"sentiment":"neutral","sentiment_score":0.178371182668048}],"sentiment":"neutral","sentiment_score":0.10970424671064724,"num_words":55,"start":2128.98,"end":2144.7349},{"sentences":[{"text":"No.","start":2147.45,"end":2147.95,"sentiment":"neutral","sentiment_score":0.1251388043165207},{"text":"Absolutely.","start":2148.41,"end":2148.91,"sentiment":"positive","sentiment_score":0.4562348127365112},{"text":"Thank you.","start":2149.05,"end":2149.71,"sentiment":"positive","sentiment_score":0.6115332543849945},{"text":"Bye.","start":2152.0308,"end":2152.5308,"sentiment":"positive","sentiment_score":0.3620649576187134},{"text":"No.","start":2153.5508,"end":2154.0508,"sentiment":"neutral","sentiment_score":0.03121854737401009}],"sentiment":"positive","sentiment_score":0.36628727180262405,"num_words":6,"start":2147.45,"end":2154.0508}]}}]},{"alternatives":[{"transcript":"Billy again. How are you? Very good. Hey. Sorry to do this here. This is the same situation as before. I've sent you, like, the old first line. Everything's updated. His balance has actually gone down since we did the research because he's invested really aggressively. Did you get the email, by the way, or is it taken as just to send again? Oh, sorry. Sorry. Anyways, he's a young boy. He's born in 1993, so he's, you know, in his thirties. He's got a 100,000 in his Australian super, 90% in international shares, and then five and five in high growth and Aussie shares. Canceled all of his insurances because he is fit and healthy in his in his words. Not interested in having anyone as a beneficiary either. So he's pretty he's pretty switched on this bloke, and he's he's come out as a high growth investor. He's a site supervisor, so he's a trader. He makes a $130 a year, and he's one of those guys. It looks like he's got half $1,000,000 in mortgage debts, property worth about $7.50. Cool. Yep. Oh, Jake. Sorry. Oh, cool. Perfect. Easy. I'll patch him. Jake, you still there? Yeah. Sweet. I just got Larissa on the line. Look. She's the adviser that'll be working on your plan for you. So she's just gonna put her sort of go over the next steps with you, make sure everything's good on her end. Just cross some t's and dot some i's. Can't take too long, man, and then I'll I'll quickly catch up with you after. That's cool. Yeah. No worries at all. Sweet as. Go ahead, Laveta. I'm very good. Thank you. How are you? About a year. You're out of there. Yep. Yep. Yeah. Yeah. Please. Great. Yes. I'm getting there. Just checking why. Yeah. I know. 32. It's right on the brink of, like, calling yourself young and old, I think, at the same time. I think once I go to 35, I'll start calling myself old. Yeah. I'm talking to this. I'm I'm hanging on. I'm hanging on. Yep. It's a very broad question, but, I mean, I just want to set myself up essentially to hopefully retire early early than 60, earlier than the average. So my investment goals, I suppose, would be to hopefully use maybe this opportunity to be able to access my or build my super up, you know, more than what the average Joe would, and then possibly, obviously, have some assets in my name that I could use for an early retirement. And then by the time I do get to access these funds, you know, access my super at an older age. I'm well and truly comfortable to, you know, understand that I'll be able to not go back to work and, you know, have investments or money that will work for me at the time to, yeah, just ensure that I'll be able to have a good retirement and my kids won't have a bit of money and my partner as well if something goes to go wrong or yeah. Just to be just for the money not to be an issue later on down the track. It's pretty pretty pretty average, I suppose. It's pretty pretty bland in a sense, but it's just something that I'm yeah. I don't want to have to rely on attention, I suppose. Yeah. Hopefully. Yep. Yep. Mhmm. Yep. And you have to be not working full time? Don't you have to yep. Yep. Okay. Yep. Mhmm. No. Yep. Yep. Exactly. Yeah. It is, but it's I wouldn't lean on you or, you know, my advisers to do that for me because I'm a builder. I will naturally accumulate houses or build houses for myself and property and and whatnot. So I don't want that to be a, like, a weighing factor on I don't know the way you allocate my money or funds or my investment opportunities. I think I would just leave the property sort of things to myself. Definitely. Definitely. Yeah. Yep. Yeah. Yeah. That's what he's saying. Yep. Well, yeah. Just yeah. That's right. That is a great question. I actually don't. I've I've refinanced recently to ANZ from Commonwealth. I haven't actually had a look at my savings lately. But to answer your question, I think that that money I know that I mean, I it is used to getting saved. It must be. I haven't done it. Look at my account for a good while. And and it's just beginning to say if I've got any spare money, I'm not putting it in towards anything. I've got a $100 a week that goes into my CMC account. Yeah. Into my CMC account. Sorry. And then I sort of wait for that to build up to $500 or a thousand dollars, and I whack it into a a share that, you know, I like or, you know, whatnot. So there's a savings that go back into a share portfolio. But the other savings at the moment, I'm I am just saving just purely because I've got some home improvements that I wanna do. And and again, like you said, you know, you're just trying to build up a bit more savings so I can use a bit of equity and savings to purchase the next property and and keep this one that I've got as an investment property as well. So, yeah, I'm holding my cards close to my chest at the moment. Yep. It's just invest and hold. I it's any money that goes to my CMC account does not come back yet. It's I'm a very, very disciplined in that area. Alright. Hold on. Yeah. I don't wanna have to pull it up. Yep. Yeah. Exactly. Yeah. Pretty much. My yeah. My CMC account is returning a lot better than what my super is, nearly double at the moment each year. So I'm doing doing something right, but I don't expect it to go that way every year. It could do the complete opposite. So I'm fully understanding of that. But, yeah, at the moment, my my shares are sort of going pretty good for me. So I'll just keep doing that, keep chipping away at that. And then if I can obviously, yeah, get get in touch with with you guys and you think that I can do something better on the super side of things as well, then I think my money will be working for me pretty well. Yeah. Mostly individual stocks, and then I've got one ETF at I. If I'm, you know, unsure of what to invest in over that quarter, I just usually chuck it into that ETF. Yep. Yep. Pretty much. Mhmm. Yep. Mhmm. Yes. Yep. Yep. Yeah. No. There's there's no other income of any other source. Yep. Yep. Yep. Yeah. Yep. No. I'm yeah. No. I'm definitely open to putting the insurance back on. It was just a a little I don't know. Just turn it off by a little bit and try and yeah. Try and because I yeah. I've stupidly typed in my little insurance amount and how much that compounds over time, and I was like, oh, that could be definitely better off in my pocket. So anyway, I I really don't care. I'm more than happy to put insurance back on. It's definitely something that I should do. I know that. But yeah. Anyway, I just was just living in the moment for a little bit. I mean, it's only been turned off for oh, fuck. Wouldn't have been made six months. I would have turned it off for, so it's not it doesn't mean that long. But, yeah, if I do end up sort of going with you guys and we we go through, you know, this process, I'll I'll turn it back on because yeah. Yeah. Yeah. That's fine. Yeah. That's right. Yeah. And not even from my own fault, I could get the hit I could get t boned for another car, and it could be somebody else's fault. So yeah. No. I fully understand. It's a very risky game I'm playing. But, anyway, I'm playing it. Yeah. Yep. Yep. Yep. Yeah. Yeah. Well, yeah. I mean, I I suppose. I yeah. I'm I'm not too sure exactly what that figure would be. It's probably yeah, that could probably go off your advice. You know, you guys deal with it sort of day in day yet. You probably know what the correct cover would be. But, yeah, I yeah. It's taking taking oh, sorry. Thinking about all possibilities. Yeah. I don't know what that I don't know what that figure is. Sorry. But yeah. But it would be interesting to look at. Yeah. Yep. Yep. Yeah. Gosh. That's a tough question. I mean, I would I would it it all depends on what how incapacitated I am, I suppose. Like, from a quadrupleg, you send everything to me to go out the window because I'm looking to get a go far. Or do much. But, yeah, it's it would all depend on disability. It's it's such a broad question. I don't really know how to answer that. Yeah. Obviously, I would want all my goals to still be achieved. Like, that would be the best case scenario. That's it. Anybody would say that. But then yeah. It it would all depend on how disabled you were from from whatever the accident was or whatever the case may be. Yeah. Yeah. That's well, that's right. Yeah. How much you could do with that retirement remains to be seen. Yep. Yep. Okay. Yes. Yep. Mhmm. Yep. Yep. Yep. Yep. Mhmm. On the aggressive side with more or, like, individual stocks, I'm happy to go with. Yes. Definitely, an ETF to try and do a broader market. Like yeah. I don't know. Like, I'm I'm not, yeah, heavily interested in, I don't know, researching, like, pharmaceuticals, for example. So I would just throw, like, some money into a pharmaceutical ETF just so I have a bit of exposure to that side of the market. But then, I don't know, where I'm a bit more interested in, like, tech stocks or something like that. I would probably invest in, like, individual ones just based on what I, you know, think is, you know, potentially going to do well or what, you know, what the next innovative, you know, design or tech might be that, you know, I just kind of yeah. I would feel in that sense, but I guess yeah. So I had obviously, you guys doing it for me. I would be still happy to do individual stocks in a sense. ETFs, I know some, you know, ETFs and the companies that control them might charge higher fees, whereas you could essentially create your own ETF in individual stocks that, you know, may not charge any fees. But, yeah, again, this is all just me going off a very basic understanding of what I know of the stock market. But, yeah, I guess this is where you you and the advisers come in to say this is this would be a great option for you. Yeah. Have you considered this or that? I don't know. Yes. That's why I'm I guess I'm doing this doing this phone calls and and asking around to see what would be, you know, best possible outcome for myself. Yeah. Mhmm. Yep. Yep. Yeah. Yep. A lot. Right. Yeah. Yep. Yep. Mhmm. Yep. Yep. Yeah. That's better. Yep. I see. I have a a small understanding. I've got a three times leveraged ETF fund that I'm in at the moment. I understand it's somewhat more riskier, but, obviously, yeah, could have bigger potential. But, yeah, I don't I'm not too too familiar with it. But, yeah, I have a average understanding of probably beginner, beginner understanding of it all. Yep. Mhmm. Yep. Okay. Yep. Mhmm. Yeah. I'd I'd be yeah. I'd probably tread cautiously for the first, yeah, couple of years, I suppose. Maybe just just kinda see what the returns are like, and then I would definitely be open to taking more risk as I sort of, yeah, grow a better better relationship or understanding of, yeah, yourself or the company that I'm dealing with or whatever. Yeah. No. Definitely more than more than open to try new things a couple of years down the track. Yep. Yep. Uh-huh. Mhmm. Okay. No. No. I don't I don't think so. I mean, I know that yeah. You're you're factoring all of the the fees and and whatnot as well. And I guess, do you when you give me the statement of advice, is there something that's like we could perform, you know, obviously, it's probably hard to predict in a sense, but would you I don't know. Like, do you say something like we would be able to outperform the market and this is what your super could look like with us compared to what you're currently doing with the showing super and this is where they could you could end up with them, you know, given risk performance? Like, is it, like, a really clear, definitive sort of answer to be, like, right now, this is what we can do versus what you're doing already? Yep. Yep. Mhmm. Okay. Yep. That's right. Okay. Yep. Okay. That's great. Do you also put in there in the in the statement a potential portfolio in the sense that y'all would be able to see what shares you would be investing? So do I get to see what ETFs and what shares you you okay. Alright. That's cool. No. That's alright. I should just wait. Just wait for it all to come through. But anyway yeah. Yeah. Yep. Yep. Yep. Yep. Yep. Okay. Oh, that's great. Well, I certainly look forward to it. That's for sure. But, yeah, no no other questions from me at this stage. Yep. Yep. Alright. Lovely. Thank you so much. Thanks for your time. See you. Thanks, Larissa. Sweet. Hello again? Hi, mate. Cool. Alright. Let's get this booked in now. 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again. How are you? Very good. Hey. Sorry to do this here.\n\nThis is the same situation as before. I've sent you, like, the old first line. Everything's updated. His balance has actually gone down since we did the research because he's invested really aggressively. Did you get the email, by the way, or is it taken as just to send again?\n\nOh, sorry. Sorry. Anyways, he's a young boy. He's born in 1993, so he's, you know, in his thirties. He's got a 100,000 in his Australian super, 90% in international shares, and then five and five in high growth and Aussie shares.\n\nCanceled all of his insurances because he is fit and healthy in his in his words. Not interested in having anyone as a beneficiary either. So he's pretty he's pretty switched on this bloke, and he's he's come out as a high growth investor. He's a site supervisor, so he's a trader. He makes a $130 a year, and he's one of those guys.\n\nIt looks like he's got half $1,000,000 in mortgage debts, property worth about $7.50. Cool. Yep. Oh, Jake. Sorry.\n\nOh, cool. Perfect. Easy. I'll patch him. Jake, you still there?\n\nYeah. Sweet. I just got Larissa on the line. Look. She's the adviser that'll be working on your plan for you.\n\nSo she's just gonna put her sort of go over the next steps with you, make sure everything's good on her end. Just cross some t's and dot some i's. Can't take too long, man, and then I'll I'll quickly catch up with you after. That's cool. Yeah.\n\nNo worries at all. Sweet as. Go ahead, Laveta. I'm very good. Thank you.\n\nHow are you? About a year. You're out of there. Yep. Yep.\n\nYeah. Yeah. Please. Great. Yes.\n\nI'm getting there. Just checking why. Yeah. I know. 32.\n\nIt's right on the brink of, like, calling yourself young and old, I think, at the same time. I think once I go to 35, I'll start calling myself old. Yeah. I'm talking to this. I'm I'm hanging on.\n\nI'm hanging on. Yep. It's a very broad question, but, I mean, I just want to set myself up essentially to hopefully retire early early than 60, earlier than the average. So my investment goals, I suppose, would be to hopefully use maybe this opportunity to be able to access my or build my super up, you know, more than what the average Joe would, and then possibly, obviously, have some assets in my name that I could use for an early retirement. And then by the time I do get to access these funds, you know, access my super at an older age.\n\nI'm well and truly comfortable to, you know, understand that I'll be able to not go back to work and, you know, have investments or money that will work for me at the time to, yeah, just ensure that I'll be able to have a good retirement and my kids won't have a bit of money and my partner as well if something goes to go wrong or yeah. Just to be just for the money not to be an issue later on down the track. It's pretty pretty pretty average, I suppose. It's pretty pretty bland in a sense, but it's just something that I'm yeah. I don't want to have to rely on attention, I suppose.\n\nYeah. Hopefully. Yep. Yep. Mhmm.\n\nYep. And you have to be not working full time? Don't you have to yep. Yep. Okay.\n\nYep. Mhmm. No. Yep. Yep.\n\nExactly. Yeah. It is, but it's I wouldn't lean on you or, you know, my advisers to do that for me because I'm a builder. I will naturally accumulate houses or build houses for myself and property and and whatnot. So I don't want that to be a, like, a weighing factor on I don't know the way you allocate my money or funds or my investment opportunities.\n\nI think I would just leave the property sort of things to myself. Definitely. Definitely. Yeah. Yep.\n\nYeah. Yeah. That's what he's saying. Yep. Well, yeah.\n\nJust yeah. That's right. That is a great question. I actually don't. I've I've refinanced recently to ANZ from Commonwealth.\n\nI haven't actually had a look at my savings lately. But to answer your question, I think that that money I know that I mean, I it is used to getting saved. It must be. I haven't done it. Look at my account for a good while.\n\nAnd and it's just beginning to say if I've got any spare money, I'm not putting it in towards anything. I've got a $100 a week that goes into my CMC account. Yeah. Into my CMC account. Sorry.\n\nAnd then I sort of wait for that to build up to $500 or a thousand dollars, and I whack it into a a share that, you know, I like or, you know, whatnot. So there's a savings that go back into a share portfolio. But the other savings at the moment, I'm I am just saving just purely because I've got some home improvements that I wanna do. And and again, like you said, you know, you're just trying to build up a bit more savings so I can use a bit of equity and savings to purchase the next property and and keep this one that I've got as an investment property as well. So, yeah, I'm holding my cards close to my chest at the moment.\n\nYep. It's just invest and hold. I it's any money that goes to my CMC account does not come back yet. It's I'm a very, very disciplined in that area. Alright.\n\nHold on. Yeah. I don't wanna have to pull it up. Yep. Yeah.\n\nExactly. Yeah. Pretty much. My yeah. My CMC account is returning a lot better than what my super is, nearly double at the moment each year.\n\nSo I'm doing doing something right, but I don't expect it to go that way every year. It could do the complete opposite. So I'm fully understanding of that. But, yeah, at the moment, my my shares are sort of going pretty good for me. So I'll just keep doing that, keep chipping away at that.\n\nAnd then if I can obviously, yeah, get get in touch with with you guys and you think that I can do something better on the super side of things as well, then I think my money will be working for me pretty well. Yeah. Mostly individual stocks, and then I've got one ETF at I. If I'm, you know, unsure of what to invest in over that quarter, I just usually chuck it into that ETF. Yep.\n\nYep. Pretty much. Mhmm. Yep. Mhmm.\n\nYes. Yep. Yep. Yeah. No.\n\nThere's there's no other income of any other source. Yep. Yep. Yep. Yeah.\n\nYep. No. I'm yeah. No. I'm definitely open to putting the insurance back on.\n\nIt was just a a little I don't know. Just turn it off by a little bit and try and yeah. Try and because I yeah. I've stupidly typed in my little insurance amount and how much that compounds over time, and I was like, oh, that could be definitely better off in my pocket. So anyway, I I really don't care.\n\nI'm more than happy to put insurance back on. It's definitely something that I should do. I know that. But yeah. Anyway, I just was just living in the moment for a little bit.\n\nI mean, it's only been turned off for oh, fuck. Wouldn't have been made six months. I would have turned it off for, so it's not it doesn't mean that long. But, yeah, if I do end up sort of going with you guys and we we go through, you know, this process, I'll I'll turn it back on because yeah. Yeah.\n\nYeah. That's fine. Yeah. That's right. Yeah.\n\nAnd not even from my own fault, I could get the hit I could get t boned for another car, and it could be somebody else's fault. So yeah. No. I fully understand. It's a very risky game I'm playing.\n\nBut, anyway, I'm playing it. Yeah. Yep. Yep. Yep.\n\nYeah. Yeah. Well, yeah. I mean, I I suppose. I yeah.\n\nI'm I'm not too sure exactly what that figure would be. It's probably yeah, that could probably go off your advice. You know, you guys deal with it sort of day in day yet. You probably know what the correct cover would be. But, yeah, I yeah.\n\nIt's taking taking oh, sorry. Thinking about all possibilities. Yeah. I don't know what that I don't know what that figure is. Sorry.\n\nBut yeah. But it would be interesting to look at. Yeah. Yep. Yep.\n\nYeah. Gosh. That's a tough question. I mean, I would I would it it all depends on what how incapacitated I am, I suppose. Like, from a quadrupleg, you send everything to me to go out the window because I'm looking to get a go far.\n\nOr do much. But, yeah, it's it would all depend on disability. It's it's such a broad question. I don't really know how to answer that. Yeah.\n\nObviously, I would want all my goals to still be achieved. Like, that would be the best case scenario. That's it. Anybody would say that. But then yeah.\n\nIt it would all depend on how disabled you were from from whatever the accident was or whatever the case may be. Yeah. Yeah. That's well, that's right. Yeah.\n\nHow much you could do with that retirement remains to be seen. Yep. Yep. Okay. Yes.\n\nYep. Mhmm. Yep. Yep. Yep.\n\nYep. Mhmm. On the aggressive side with more or, like, individual stocks, I'm happy to go with. Yes. Definitely, an ETF to try and do a broader market.\n\nLike yeah. I don't know. Like, I'm I'm not, yeah, heavily interested in, I don't know, researching, like, pharmaceuticals, for example. So I would just throw, like, some money into a pharmaceutical ETF just so I have a bit of exposure to that side of the market. But then, I don't know, where I'm a bit more interested in, like, tech stocks or something like that.\n\nI would probably invest in, like, individual ones just based on what I, you know, think is, you know, potentially going to do well or what, you know, what the next innovative, you know, design or tech might be that, you know, I just kind of yeah. I would feel in that sense, but I guess yeah. So I had obviously, you guys doing it for me. I would be still happy to do individual stocks in a sense. ETFs, I know some, you know, ETFs and the companies that control them might charge higher fees, whereas you could essentially create your own ETF in individual stocks that, you know, may not charge any fees.\n\nBut, yeah, again, this is all just me going off a very basic understanding of what I know of the stock market. But, yeah, I guess this is where you you and the advisers come in to say this is this would be a great option for you. Yeah. Have you considered this or that? I don't know.\n\nYes. That's why I'm I guess I'm doing this doing this phone calls and and asking around to see what would be, you know, best possible outcome for myself. Yeah. Mhmm. Yep.\n\nYep. Yeah. Yep. A lot. Right.\n\nYeah. Yep. Yep. Mhmm. Yep.\n\nYep. Yeah. That's better. Yep. I see.\n\nI have a a small understanding. I've got a three times leveraged ETF fund that I'm in at the moment. I understand it's somewhat more riskier, but, obviously, yeah, could have bigger potential. But, yeah, I don't I'm not too too familiar with it. But, yeah, I have a average understanding of probably beginner, beginner understanding of it all.\n\nYep. Mhmm. Yep. Okay. Yep.\n\nMhmm. Yeah. I'd I'd be yeah. I'd probably tread cautiously for the first, yeah, couple of years, I suppose. Maybe just just kinda see what the returns are like, and then I would definitely be open to taking more risk as I sort of, yeah, grow a better better relationship or understanding of, yeah, yourself or the company that I'm dealing with or whatever.\n\nYeah. No. Definitely more than more than open to try new things a couple of years down the track. Yep. Yep.\n\nUh-huh. Mhmm. Okay. No. No.\n\nI don't I don't think so. I mean, I know that yeah. You're you're factoring all of the the fees and and whatnot as well. And I guess, do you when you give me the statement of advice, is there something that's like we could perform, you know, obviously, it's probably hard to predict in a sense, but would you I don't know. Like, do you say something like we would be able to outperform the market and this is what your super could look like with us compared to what you're currently doing with the showing super and this is where they could you could end up with them, you know, given risk performance?\n\nLike, is it, like, a really clear, definitive sort of answer to be, like, right now, this is what we can do versus what you're doing already? Yep. Yep. Mhmm. Okay.\n\nYep. That's right. Okay. Yep. Okay.\n\nThat's great. Do you also put in there in the in the statement a potential portfolio in the sense that y'all would be able to see what shares you would be investing? So do I get to see what ETFs and what shares you you okay. Alright. That's cool.\n\nNo. That's alright. I should just wait. Just wait for it all to come through. But anyway yeah.\n\nYeah. Yep. Yep. Yep. Yep.\n\nYep. Okay. Oh, that's great. Well, I certainly look forward to it. That's for sure.\n\nBut, yeah, no no other questions from me at this stage. Yep. Yep. Alright. Lovely.\n\nThank you so much. Thanks for your time. See you. Thanks, Larissa. Sweet.\n\nHello again? Hi, mate. Cool. Alright. Let's get this booked in now.\n\nI'm having a look at the calendar.","paragraphs":[{"sentences":[{"text":"Billy again.","start":4.08,"end":4.88,"sentiment":"neutral","sentiment_score":0.2374337688088417},{"text":"How are you?","start":4.88,"end":5.7,"sentiment":"neutral","sentiment_score":0.2781456808249156},{"text":"Very good.","start":7.8399997,"end":8.48,"sentiment":"positive","sentiment_score":0.5403406918048859},{"text":"Hey.","start":8.48,"end":8.98,"sentiment":"neutral","sentiment_score":0.1021471619606018},{"text":"Sorry to do this here.","start":9.2,"end":10.16,"sentiment":"neutral","sentiment_score":-0.04290514439344406}],"sentiment":"neutral","sentiment_score":0.17520056951504487,"num_words":13,"start":4.08,"end":10.16},{"sentences":[{"text":"This is the same situation as before.","start":10.16,"end":12.099999,"sentiment":"neutral","sentiment_score":-0.08876229716198784},{"text":"I've sent you, like, the old first line.","start":12.4,"end":14.4,"sentiment":"neutral","sentiment_score":-0.02343598729930818},{"text":"Everything's updated.","start":14.4,"end":15.44,"sentiment":"neutral","sentiment_score":0.02590047288686037},{"text":"His balance has actually gone down since we did the research because he's invested really aggressively.","start":15.44,"end":22.515,"sentiment":"neutral","sentiment_score":-0.015854681143537164},{"text":"Did you get the email, by the way, or is it taken as just to send again?","start":23.775,"end":26.994999,"sentiment":"neutral","sentiment_score":-0.012349006473360694}],"sentiment":"neutral","sentiment_score":-0.024412620821967723,"num_words":50,"start":10.16,"end":26.994999},{"sentences":[{"text":"Oh, sorry.","start":29.92,"end":31.44,"sentiment":"neutral","sentiment_score":-0.06254305690526962},{"text":"Sorry.","start":31.44,"end":31.94,"sentiment":"neutral","sentiment_score":-0.06820516288280487},{"text":"Anyways, he's a young boy.","start":32.48,"end":33.760002,"sentiment":"neutral","sentiment_score":0.00975852096453309},{"text":"He's born in 1993, so he's, you know, in his thirties.","start":33.760002,"end":36.24,"sentiment":"neutral","sentiment_score":0.017816683362153442},{"text":"He's got a 100,000 in his Australian super, 90% in international shares, and then five and five in high growth and Aussie shares.","start":36.24,"end":44.34,"sentiment":"neutral","sentiment_score":-0.0015221061589925187}],"sentiment":"neutral","sentiment_score":0.00039229532038526874,"num_words":42,"start":29.92,"end":44.34},{"sentences":[{"text":"Canceled all of his insurances because he is fit and healthy in his in his words.","start":46.725,"end":52.105,"sentiment":"neutral","sentiment_score":-0.14782511303201318},{"text":"Not interested in having anyone as a beneficiary either.","start":53.125,"end":56.825,"sentiment":"neutral","sentiment_score":-0.26548224853144753},{"text":"So he's pretty he's pretty switched on this bloke, and he's he's come out as a high growth investor.","start":57.09,"end":63.589996,"sentiment":"neutral","sentiment_score":-0.013617138917508879},{"text":"He's a site supervisor, so he's a trader.","start":64.61,"end":66.53,"sentiment":"neutral","sentiment_score":0.039465121226385236},{"text":"He makes a $130 a year, and he's one of those guys.","start":66.53,"end":69.105,"sentiment":"neutral","sentiment_score":0.030083566283186276}],"sentiment":"neutral","sentiment_score":-0.06775849874247797,"num_words":64,"start":46.725,"end":69.105},{"sentences":[{"text":"It looks like he's got half $1,000,000 in mortgage debts, property worth about $7.50.","start":69.90501,"end":76.325005,"sentiment":"neutral","sentiment_score":0.0185743773223034},{"text":"Cool.","start":81.745,"end":82.065,"sentiment":"neutral","sentiment_score":0.08977286517620087},{"text":"Yep.","start":82.065,"end":82.565,"sentiment":"neutral","sentiment_score":0.04791015386581421},{"text":"Oh, Jake.","start":86.17,"end":86.91,"sentiment":"neutral","sentiment_score":0.011432506144046783},{"text":"Sorry.","start":87.450005,"end":87.950005,"sentiment":"neutral","sentiment_score":0.0025147050619125366}],"sentiment":"neutral","sentiment_score":0.022268632573908882,"num_words":19,"start":69.90501,"end":87.950005},{"sentences":[{"text":"Oh, cool.","start":91.29,"end":92.03,"sentiment":"neutral","sentiment_score":0.10839951038360596},{"text":"Perfect.","start":92.090004,"end":92.590004,"sentiment":"neutral","sentiment_score":0.29542219638824463},{"text":"Easy.","start":93.21,"end":93.53,"sentiment":"neutral","sentiment_score":0.20561513304710388},{"text":"I'll patch him.","start":93.53,"end":94.43,"sentiment":"neutral","sentiment_score":0.08107840393980344},{"text":"Jake, you still there?","start":97.965,"end":99.185,"sentiment":"neutral","sentiment_score":0.019847227726131678}],"sentiment":"neutral","sentiment_score":0.09458731572059068,"num_words":11,"start":91.29,"end":99.185},{"sentences":[{"text":"Yeah.","start":99.245,"end":99.745,"sentiment":"neutral","sentiment_score":0.09677590429782867},{"text":"Sweet.","start":100.284996,"end":100.765,"sentiment":"neutral","sentiment_score":0.1831858456134796},{"text":"I just got Larissa on the line.","start":100.765,"end":102.385,"sentiment":"neutral","sentiment_score":0.15296503475734166},{"text":"Look.","start":102.445,"end":102.604996,"sentiment":"neutral","sentiment_score":0.15652281045913696},{"text":"She's the adviser that'll be working on your plan for you.","start":102.604996,"end":104.925,"sentiment":"neutral","sentiment_score":0.23646797781640833}],"sentiment":"neutral","sentiment_score":0.19563750284058706,"num_words":21,"start":99.245,"end":104.925},{"sentences":[{"text":"So she's just gonna put her sort of go over the next steps with you, make sure everything's good on her end.","start":104.925,"end":108.845,"sentiment":"neutral","sentiment_score":0.3041373152624477},{"text":"Just cross some t's and dot some i's.","start":108.845,"end":110.52,"sentiment":"neutral","sentiment_score":0.12872107978910208},{"text":"Can't take too long, man, and then I'll I'll quickly catch up with you after.","start":110.52,"end":113.799995,"sentiment":"neutral","sentiment_score":0.09349737465381622},{"text":"That's cool.","start":113.799995,"end":114.53999,"sentiment":"positive","sentiment_score":0.5833888947963715},{"text":"Yeah.","start":114.6,"end":114.84,"sentiment":"neutral","sentiment_score":0.22267843782901764}],"sentiment":"neutral","sentiment_score":0.21901471711074313,"num_words":48,"start":104.925,"end":114.84},{"sentences":[{"text":"No worries at all.","start":114.84,"end":115.979996,"sentiment":"neutral","sentiment_score":0.24144627898931503},{"text":"Sweet as.","start":116.03999,"end":116.6,"sentiment":"positive","sentiment_score":0.40759991109371185},{"text":"Go ahead, Laveta.","start":116.6,"end":117.5,"sentiment":"neutral","sentiment_score":0.3199562430381775},{"text":"I'm very good.","start":120.84,"end":121.64,"sentiment":"positive","sentiment_score":0.7168348630269369},{"text":"Thank you.","start":121.64,"end":122.03999,"sentiment":"positive","sentiment_score":0.7194288074970245}],"sentiment":"positive","sentiment_score":0.4521582765238626,"num_words":14,"start":114.84,"end":122.03999},{"sentences":[{"text":"How are you?","start":122.03999,"end":122.86,"sentiment":"positive","sentiment_score":0.37809935212135315},{"text":"About a year.","start":126.785,"end":127.605,"sentiment":"neutral","sentiment_score":0.0702980210383733},{"text":"You're out of there.","start":127.745,"end":128.965,"sentiment":"neutral","sentiment_score":0.06297477334737778},{"text":"Yep.","start":153.16501,"end":153.66501,"sentiment":"neutral","sentiment_score":0.20409294962882996},{"text":"Yep.","start":180.95,"end":181.45,"sentiment":"neutral","sentiment_score":0.09234341233968736}],"sentiment":"neutral","sentiment_score":0.15779396456976733,"num_words":12,"start":122.03999,"end":181.45},{"sentences":[{"text":"Yeah.","start":194.345,"end":194.845,"sentiment":"neutral","sentiment_score":0.17057329416275024},{"text":"Yeah.","start":195.865,"end":196.365,"sentiment":"neutral","sentiment_score":0.1297924518585205},{"text":"Please.","start":197.37,"end":197.87,"sentiment":"neutral","sentiment_score":0.1674748808145523},{"text":"Great.","start":198.17,"end":198.67,"sentiment":"neutral","sentiment_score":0.264538049697876},{"text":"Yes.","start":207.37,"end":207.76999,"sentiment":"neutral","sentiment_score":-0.03991963714361191}],"sentiment":"neutral","sentiment_score":0.13849180787801743,"num_words":5,"start":194.345,"end":207.76999},{"sentences":[{"text":"I'm getting there.","start":207.76999,"end":208.56999,"sentiment":"neutral","sentiment_score":-0.06166457881530126},{"text":"Just checking why.","start":208.56999,"end":209.505,"sentiment":"neutral","sentiment_score":-0.13406021893024445},{"text":"Yeah.","start":214.545,"end":215.045,"sentiment":"neutral","sentiment_score":-0.09645919501781464},{"text":"I know.","start":215.585,"end":216.065,"sentiment":"neutral","sentiment_score":-0.07210152223706245},{"text":"32.","start":216.065,"end":216.865,"sentiment":"neutral","sentiment_score":-0.05527286231517792}],"sentiment":"neutral","sentiment_score":-0.08831094950437546,"num_words":10,"start":207.76999,"end":216.865},{"sentences":[{"text":"It's right on the brink of, like, calling yourself young and old, I think, at the same time.","start":216.865,"end":221.74501,"sentiment":"neutral","sentiment_score":-0.1448417098985778},{"text":"I think once I go to 35, I'll start calling myself old.","start":221.74501,"end":225.46,"sentiment":"neutral","sentiment_score":-0.10746171573797862},{"text":"Yeah.","start":228.08,"end":228.48001,"sentiment":"neutral","sentiment_score":-0.010802043601870537},{"text":"I'm talking to this.","start":228.48001,"end":229.36,"sentiment":"neutral","sentiment_score":-0.0026159267872571954},{"text":"I'm I'm hanging on.","start":229.36,"end":230.82,"sentiment":"neutral","sentiment_score":-0.05145294452086091}],"sentiment":"neutral","sentiment_score":-0.1057376639965253,"num_words":39,"start":216.865,"end":230.82},{"sentences":[{"text":"I'm hanging on.","start":232.0,"end":233.06,"sentiment":"neutral","sentiment_score":-0.0014988140513499577},{"text":"Yep.","start":253.84,"end":254.34,"sentiment":"neutral","sentiment_score":0.07500011473894119},{"text":"It's a very broad question, but, I mean, I just want to set myself up essentially to hopefully retire early early than 60, earlier than the average.","start":264.225,"end":273.365,"sentiment":"neutral","sentiment_score":0.07716680069764455},{"text":"So my investment goals, I suppose, would be to hopefully use maybe this opportunity to be able to access my or build my super up, you know, more than what the average Joe would, and then possibly, obviously, have some assets in my name that I could use for an early retirement.","start":274.865,"end":301.125,"sentiment":"neutral","sentiment_score":0.1789306943806318},{"text":"And then by the time I do get to access these funds, you know, access my super at an older age.","start":301.185,"end":307.55,"sentiment":"neutral","sentiment_score":0.17349923047281446}],"sentiment":"neutral","sentiment_score":0.14521045422253126,"num_words":104,"start":232.0,"end":307.55},{"sentences":[{"text":"I'm well and truly comfortable to, you know, understand that I'll be able to not go back to work and, you know, have investments or money that will work for me at the time to, yeah, just ensure that I'll be able to have a good retirement and my kids won't have a bit of money and my partner as well if something goes to go wrong or yeah.","start":307.55,"end":326.685,"sentiment":"neutral","sentiment_score":0.3209855444189431},{"text":"Just to be just for the money not to be an issue later on down the track.","start":327.225,"end":332.365,"sentiment":"neutral","sentiment_score":0.058165562503478103},{"text":"It's pretty pretty pretty average, I suppose.","start":335.5,"end":337.98,"sentiment":"neutral","sentiment_score":0.08331268280744553},{"text":"It's pretty pretty bland in a sense, but it's just something that I'm yeah.","start":337.98,"end":342.14,"sentiment":"neutral","sentiment_score":-0.05070198526872056},{"text":"I don't want to have to rely on attention, I suppose.","start":342.14,"end":345.44,"sentiment":"neutral","sentiment_score":-0.18517774140292947}],"sentiment":"neutral","sentiment_score":0.17773917760952548,"num_words":118,"start":307.55,"end":345.44},{"sentences":[{"text":"Yeah.","start":366.82,"end":367.22,"sentiment":"neutral","sentiment_score":0.12799471616744995},{"text":"Hopefully.","start":367.22,"end":367.72,"sentiment":"neutral","sentiment_score":0.20276394486427307},{"text":"Yep.","start":408.045,"end":408.545,"sentiment":"positive","sentiment_score":0.505545437335968},{"text":"Yep.","start":417.325,"end":417.825,"sentiment":"neutral","sentiment_score":0.011795438826084135},{"text":"Mhmm.","start":424.97,"end":425.21,"sentiment":"neutral","sentiment_score":-0.007553756702691317}],"sentiment":"neutral","sentiment_score":0.16810915609821678,"num_words":5,"start":366.82,"end":425.21},{"sentences":[{"text":"Yep.","start":425.21,"end":425.69,"sentiment":"neutral","sentiment_score":-0.0018540372839197516},{"text":"And you have to be not working full time?","start":425.69,"end":428.57,"sentiment":"neutral","sentiment_score":-0.08315035307572947},{"text":"Don't you have to yep.","start":428.57,"end":436.455,"sentiment":"neutral","sentiment_score":-0.06583048775792122},{"text":"Yep.","start":441.235,"end":441.735,"sentiment":"neutral","sentiment_score":-0.03822997212409973},{"text":"Okay.","start":445.715,"end":446.215,"sentiment":"neutral","sentiment_score":0.0635099709033966}],"sentiment":"neutral","sentiment_score":-0.06200468558681143,"num_words":17,"start":425.21,"end":446.215},{"sentences":[{"text":"Yep.","start":448.435,"end":448.935,"sentiment":"neutral","sentiment_score":0.20509222149848935},{"text":"Mhmm.","start":451.31,"end":451.81,"sentiment":"neutral","sentiment_score":-0.029892252758145332},{"text":"No.","start":458.83,"end":459.33,"sentiment":"neutral","sentiment_score":-0.1506958305835724},{"text":"Yep.","start":475.465,"end":475.54498,"sentiment":"neutral","sentiment_score":0.06233261153101921},{"text":"Yep.","start":475.54498,"end":476.04498,"sentiment":"neutral","sentiment_score":0.06551211327314377}],"sentiment":"neutral","sentiment_score":0.030469772592186924,"num_words":5,"start":448.435,"end":476.04498},{"sentences":[{"text":"Exactly.","start":476.55,"end":477.05,"sentiment":"neutral","sentiment_score":0.09493150562047958},{"text":"Yeah.","start":488.765,"end":489.245,"sentiment":"neutral","sentiment_score":0.05308349430561066},{"text":"It is, but it's I wouldn't lean on you or, you know, my advisers to do that for me because I'm a builder.","start":489.245,"end":498.625,"sentiment":"neutral","sentiment_score":-0.02102660752185013},{"text":"I will naturally accumulate houses or build houses for myself and property and and whatnot.","start":500.125,"end":508.05002,"sentiment":"neutral","sentiment_score":0.007710134486357371},{"text":"So I don't want that to be a, like, a weighing factor on I don't know the way you allocate my money or funds or my investment opportunities.","start":508.05002,"end":520.285,"sentiment":"neutral","sentiment_score":-0.22232317605188914}],"sentiment":"neutral","sentiment_score":-0.09477932184167645,"num_words":68,"start":476.55,"end":520.285},{"sentences":[{"text":"I think I would just leave the property sort of things to myself.","start":521.225,"end":524.685,"sentiment":"neutral","sentiment_score":-0.03514215321494983},{"text":"Definitely.","start":532.73,"end":533.23,"sentiment":"neutral","sentiment_score":0.23801641166210177},{"text":"Definitely.","start":533.52997,"end":534.02997,"sentiment":"neutral","sentiment_score":0.1959214061498642},{"text":"Yeah.","start":534.32996,"end":534.82996,"sentiment":"neutral","sentiment_score":0.09180976450443268},{"text":"Yep.","start":540.17,"end":540.67,"sentiment":"neutral","sentiment_score":0.20674675703048703}],"sentiment":"neutral","sentiment_score":0.01621449103250223,"num_words":17,"start":521.225,"end":540.67},{"sentences":[{"text":"Yeah.","start":544.08997,"end":544.58997,"sentiment":"neutral","sentiment_score":0.09337862581014632},{"text":"Yeah.","start":557.97,"end":558.47,"sentiment":"neutral","sentiment_score":0.02875666692852974},{"text":"That's what he's saying.","start":558.69,"end":559.64996,"sentiment":"neutral","sentiment_score":0.023764781653881073},{"text":"Yep.","start":559.64996,"end":560.14996,"sentiment":"neutral","sentiment_score":0.030977483838796616},{"text":"Well, yeah.","start":566.44995,"end":567.17,"sentiment":"neutral","sentiment_score":0.027201512828469276}],"sentiment":"neutral","sentiment_score":0.033619436538881727,"num_words":9,"start":544.08997,"end":567.17},{"sentences":[{"text":"Just yeah.","start":567.17,"end":568.29,"sentiment":"neutral","sentiment_score":0.036407035775482655},{"text":"That's right.","start":568.29,"end":569.11,"sentiment":"neutral","sentiment_score":0.07176196575164795},{"text":"That is a great question.","start":588.7,"end":590.0,"sentiment":"neutral","sentiment_score":0.13803576529026032},{"text":"I actually don't.","start":590.22003,"end":591.26,"sentiment":"neutral","sentiment_score":-0.04459125796953837},{"text":"I've I've refinanced recently to ANZ from Commonwealth.","start":591.26,"end":597.28,"sentiment":"neutral","sentiment_score":-0.02287598478142172}],"sentiment":"neutral","sentiment_score":0.029486758867278695,"num_words":20,"start":567.17,"end":597.28},{"sentences":[{"text":"I haven't actually had a look at my savings lately.","start":597.5,"end":602.41504,"sentiment":"neutral","sentiment_score":-0.05836552679538727},{"text":"But to answer your question, I think that that money I know that I mean, I it is used to getting saved.","start":602.79504,"end":611.215,"sentiment":"neutral","sentiment_score":-0.0524763430214741},{"text":"It must be.","start":611.275,"end":612.255,"sentiment":"neutral","sentiment_score":-0.08157675713300705},{"text":"I haven't done it.","start":612.875,"end":613.67505,"sentiment":"neutral","sentiment_score":-0.18358279019594193},{"text":"Look at my account for a good while.","start":613.67505,"end":615.455,"sentiment":"neutral","sentiment_score":-0.13608511351048946}],"sentiment":"neutral","sentiment_score":-0.08097610967431931,"num_words":47,"start":597.5,"end":615.455},{"sentences":[{"text":"And and it's just beginning to say if I've got any spare money, I'm not putting it in towards anything.","start":616.37,"end":620.45,"sentiment":"neutral","sentiment_score":-0.16887152791023255},{"text":"I've got a $100 a week that goes into my CMC account.","start":620.45,"end":625.35,"sentiment":"neutral","sentiment_score":-0.07298311932633321},{"text":"Yeah.","start":627.25,"end":627.73,"sentiment":"neutral","sentiment_score":-0.03715115040540695},{"text":"Into my CMC account.","start":627.73,"end":628.93,"sentiment":"neutral","sentiment_score":-0.03718644566833973},{"text":"Sorry.","start":628.93,"end":629.25,"sentiment":"neutral","sentiment_score":-0.09996771067380904}],"sentiment":"neutral","sentiment_score":-0.11944980615455854,"num_words":38,"start":616.37,"end":629.25},{"sentences":[{"text":"And then I sort of wait for that to build up to $500 or a thousand dollars, and I whack it into a a share that, you know, I like or, you know, whatnot.","start":629.25,"end":637.665,"sentiment":"neutral","sentiment_score":-0.04469469343038166},{"text":"So there's a savings that go back into a share portfolio.","start":637.725,"end":642.625,"sentiment":"neutral","sentiment_score":0.01982764865864407},{"text":"But the other savings at the moment, I'm I am just saving just purely because I've got some home improvements that I wanna do.","start":643.165,"end":650.43,"sentiment":"neutral","sentiment_score":0.04481432136769096},{"text":"And and again, like you said, you know, you're just trying to build up a bit more savings so I can use a bit of equity and savings to purchase the next property and and keep this one that I've got as an investment property as well.","start":650.43,"end":662.245,"sentiment":"neutral","sentiment_score":0.1690028818680885},{"text":"So, yeah, I'm holding my cards close to my chest at the moment.","start":662.245,"end":667.065,"sentiment":"neutral","sentiment_score":0.03962247044994281}],"sentiment":"neutral","sentiment_score":0.06381593670609385,"num_words":129,"start":629.25,"end":667.065},{"sentences":[{"text":"Yep.","start":674.97,"end":675.47,"sentiment":"neutral","sentiment_score":0.06923604756593704},{"text":"It's just invest and hold.","start":681.29,"end":683.14996,"sentiment":"neutral","sentiment_score":0.02175467610359192},{"text":"I it's any money that goes to my CMC account does not come back yet.","start":683.20996,"end":687.23,"sentiment":"neutral","sentiment_score":-0.03952515212198098},{"text":"It's I'm a very, very disciplined in that area.","start":687.675,"end":691.215,"sentiment":"positive","sentiment_score":0.4290738006432851},{"text":"Alright.","start":692.395,"end":692.875,"sentiment":"neutral","sentiment_score":0.04033255577087402}],"sentiment":"neutral","sentiment_score":0.11248802928434264,"num_words":31,"start":674.97,"end":692.875},{"sentences":[{"text":"Hold on.","start":692.875,"end":693.115,"sentiment":"neutral","sentiment_score":0.019656931050121784},{"text":"Yeah.","start":693.115,"end":693.235,"sentiment":"neutral","sentiment_score":0.0050758980214595795},{"text":"I don't wanna have to pull it up.","start":693.235,"end":694.635,"sentiment":"neutral","sentiment_score":-0.02689749957062304},{"text":"Yep.","start":694.635,"end":695.135,"sentiment":"neutral","sentiment_score":0.13555753231048584},{"text":"Yeah.","start":708.01,"end":708.33,"sentiment":"neutral","sentiment_score":0.061540182679891586}],"sentiment":"neutral","sentiment_score":0.002023652195930481,"num_words":13,"start":692.875,"end":708.33},{"sentences":[{"text":"Exactly.","start":708.33,"end":708.83,"sentiment":"neutral","sentiment_score":0.07968215644359589},{"text":"Yeah.","start":708.89,"end":709.13,"sentiment":"neutral","sentiment_score":0.10467766970396042},{"text":"Pretty much.","start":709.13,"end":709.95,"sentiment":"neutral","sentiment_score":0.16592298448085785},{"text":"My yeah.","start":710.89,"end":711.69,"sentiment":"neutral","sentiment_score":0.1431076042354107},{"text":"My CMC account is returning a lot better than what my super is, nearly double at the moment each year.","start":711.69,"end":717.565,"sentiment":"neutral","sentiment_score":0.15611530877649785}],"sentiment":"neutral","sentiment_score":0.15095104535038656,"num_words":26,"start":708.33,"end":717.565},{"sentences":[{"text":"So I'm doing doing something right, but I don't expect it to go that way every year.","start":717.565,"end":720.925,"sentiment":"neutral","sentiment_score":-0.041532236206180906},{"text":"It could do the complete opposite.","start":720.925,"end":722.625,"sentiment":"neutral","sentiment_score":-0.17095458507537842},{"text":"So I'm fully understanding of that.","start":723.005,"end":725.105,"sentiment":"neutral","sentiment_score":-0.022072385375698406},{"text":"But, yeah, at the moment, my my shares are sort of going pretty good for me.","start":725.64496,"end":731.52997,"sentiment":"neutral","sentiment_score":-0.03652238310314715},{"text":"So I'll just keep doing that, keep chipping away at 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there's no other income of any other source.","start":883.30505,"end":887.005,"sentiment":"neutral","sentiment_score":-0.12628532697757086},{"text":"Yep.","start":894.585,"end":895.085,"sentiment":"neutral","sentiment_score":-0.002749598352238536},{"text":"Yep.","start":911.0,"end":911.5,"sentiment":"neutral","sentiment_score":0.13775673508644104},{"text":"Yep.","start":926.27997,"end":926.77997,"sentiment":"neutral","sentiment_score":0.014848018065094948},{"text":"Yeah.","start":942.225,"end":942.625,"sentiment":"neutral","sentiment_score":0.055844176560640335}],"sentiment":"neutral","sentiment_score":-0.07160527780293845,"num_words":13,"start":883.30505,"end":942.625},{"sentences":[{"text":"Yep.","start":942.625,"end":943.125,"sentiment":"neutral","sentiment_score":0.09094002097845078},{"text":"No.","start":952.945,"end":953.265,"sentiment":"neutral","sentiment_score":-0.2671898901462555},{"text":"I'm yeah.","start":953.265,"end":955.01,"sentiment":"neutral","sentiment_score":-0.09428027272224426},{"text":"No.","start":955.01,"end":955.17,"sentiment":"neutral","sentiment_score":-0.08013878017663956},{"text":"I'm definitely open to putting the insurance back on.","start":955.17,"end":958.21,"sentiment":"neutral","sentiment_score":0.06724869459867477}],"sentiment":"neutral","sentiment_score":0.011449218328510017,"num_words":14,"start":942.625,"end":958.21},{"sentences":[{"text":"It was just a a little I don't know.","start":958.21,"end":961.49,"sentiment":"neutral","sentiment_score":-0.08573303578628434},{"text":"Just turn it off by a little bit and try and yeah.","start":961.49,"end":965.81,"sentiment":"neutral","sentiment_score":-0.05391530289004246},{"text":"Try and because I yeah.","start":965.81,"end":968.21,"sentiment":"neutral","sentiment_score":-0.027451856434345244},{"text":"I've stupidly typed in my little insurance amount and how much that compounds over time, and I was like, oh, that could be definitely better off in my pocket.","start":968.21,"end":978.185,"sentiment":"neutral","sentiment_score":-0.12953520386383452},{"text":"So anyway, I I really don't care.","start":978.185,"end":979.78503,"sentiment":"neutral","sentiment_score":-0.2059814121041979}],"sentiment":"neutral","sentiment_score":-0.10893921025337712,"num_words":62,"start":958.21,"end":979.78503},{"sentences":[{"text":"I'm more than happy to put insurance back on.","start":979.78503,"end":981.885,"sentiment":"neutral","sentiment_score":0.188052070637544},{"text":"It's definitely something that I should do.","start":982.22003,"end":984.38,"sentiment":"neutral","sentiment_score":0.27669103869370054},{"text":"I know that.","start":984.38,"end":985.28,"sentiment":"neutral","sentiment_score":0.03191452225049337},{"text":"But yeah.","start":985.9,"end":986.46,"sentiment":"neutral","sentiment_score":-0.024828225374221802},{"text":"Anyway, I just was just living in the moment for a little 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right.","start":1016.36,"end":1017.0,"sentiment":"neutral","sentiment_score":-0.1644188091158867},{"text":"Yeah.","start":1017.0,"end":1017.5,"sentiment":"neutral","sentiment_score":-0.2298521101474762}],"sentiment":"neutral","sentiment_score":-0.21659616380929947,"num_words":7,"start":1009.82495,"end":1017.5},{"sentences":[{"text":"And not even from my own fault, I could get the hit I could get t boned for another car, and it could be somebody else's fault.","start":1017.56,"end":1023.88,"sentiment":"negative","sentiment_score":-0.5153595231197499},{"text":"So yeah.","start":1023.88,"end":1024.28,"sentiment":"neutral","sentiment_score":-0.1943061277270317},{"text":"No.","start":1024.28,"end":1024.4401,"sentiment":"negative","sentiment_score":-0.33835309743881226},{"text":"I fully understand.","start":1024.4401,"end":1025.26,"sentiment":"neutral","sentiment_score":-0.23904492457707724},{"text":"It's a very risky game I'm 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yeah.","start":1111.265,"end":1112.1449,"sentiment":"neutral","sentiment_score":-0.03578147105872631},{"text":"I mean, I I suppose.","start":1112.1449,"end":1113.845,"sentiment":"neutral","sentiment_score":-0.056464075297117236},{"text":"I yeah.","start":1115.985,"end":1117.265,"sentiment":"neutral","sentiment_score":-0.07046466320753098}],"sentiment":"neutral","sentiment_score":-0.04210199551148848,"num_words":11,"start":1067.9701,"end":1117.265},{"sentences":[{"text":"I'm I'm not too sure exactly what that figure would be.","start":1117.265,"end":1120.885,"sentiment":"neutral","sentiment_score":-0.16708871722221375},{"text":"It's probably yeah, that could probably go off your advice.","start":1121.4249,"end":1125.14,"sentiment":"neutral","sentiment_score":-0.2607180044054985},{"text":"You know, you guys deal with it sort of day in day yet.","start":1126.24,"end":1128.1599,"sentiment":"neutral","sentiment_score":-0.15710290120198175},{"text":"You probably know what the correct cover would be.","start":1128.1599,"end":1130.1799,"sentiment":"neutral","sentiment_score":-0.15281142625543806},{"text":"But, yeah, I yeah.","start":1130.32,"end":1131.7,"sentiment":"neutral","sentiment_score":-0.10005632787942886}],"sentiment":"neutral","sentiment_score":-0.1758089744030161,"num_words":47,"start":1117.265,"end":1131.7},{"sentences":[{"text":"It's taking taking oh, sorry.","start":1132.24,"end":1136.08,"sentiment":"neutral","sentiment_score":-0.19604223370552062},{"text":"Thinking about all possibilities.","start":1136.08,"end":1137.2999,"sentiment":"neutral","sentiment_score":-0.2011304385960102},{"text":"Yeah.","start":1139.255,"end":1139.575,"sentiment":"neutral","sentiment_score":-0.04710721969604492},{"text":"I don't know what that I don't know what that figure is.","start":1139.575,"end":1141.6549,"sentiment":"neutral","sentiment_score":-0.19027974580725035},{"text":"Sorry.","start":1141.6549,"end":1141.975,"sentiment":"neutral","sentiment_score":-0.14730675518512726}],"sentiment":"neutral","sentiment_score":-0.18532625423825305,"num_words":23,"start":1132.24,"end":1141.975},{"sentences":[{"text":"But yeah.","start":1141.975,"end":1142.5349,"sentiment":"neutral","sentiment_score":-0.04863689746707678},{"text":"But it would be interesting to look 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suppose.","start":1184.73,"end":1190.3301,"sentiment":"neutral","sentiment_score":-0.33030763765176135},{"text":"Like, from a quadrupleg, you send everything to me to go out the window because I'm looking to get a go far.","start":1190.3301,"end":1194.795,"sentiment":"negative","sentiment_score":-0.3640113581310619}],"sentiment":"negative","sentiment_score":-0.34491715806981793,"num_words":46,"start":1172.895,"end":1194.795},{"sentences":[{"text":"Or do much.","start":1194.9551,"end":1195.775,"sentiment":"neutral","sentiment_score":-0.2514149198929469},{"text":"But, yeah, it's it would all depend on disability.","start":1196.7151,"end":1199.4551,"sentiment":"neutral","sentiment_score":-0.12124323844909668},{"text":"It's it's such a broad question.","start":1199.5951,"end":1202.415,"sentiment":"neutral","sentiment_score":-0.11738591517011325},{"text":"I don't really know how to answer that.","start":1202.555,"end":1204.495,"sentiment":"neutral","sentiment_score":-0.20193319767713547},{"text":"Yeah.","start":1205.3551,"end":1205.5951,"sentiment":"neutral","sentiment_score":-0.07048849761486053}],"sentiment":"neutral","sentiment_score":-0.1568779065101235,"num_words":27,"start":1194.9551,"end":1205.5951},{"sentences":[{"text":"Obviously, I would want all my goals to still be achieved.","start":1205.5951,"end":1209.0199,"sentiment":"neutral","sentiment_score":-0.034069542180408134},{"text":"Like, that would be the best case scenario.","start":1209.08,"end":1211.6599,"sentiment":"neutral","sentiment_score":0.007353190332651138},{"text":"That's it.","start":1211.72,"end":1212.2799,"sentiment":"neutral","sentiment_score":0.01258724625222385},{"text":"Anybody would say that.","start":1212.2799,"end":1213.3999,"sentiment":"neutral","sentiment_score":0.01790301175788045},{"text":"But then yeah.","start":1213.3999,"end":1215.24,"sentiment":"neutral","sentiment_score":-0.00012265828748544058}],"sentiment":"neutral","sentiment_score":-0.007840031308920256,"num_words":28,"start":1205.5951,"end":1215.24},{"sentences":[{"text":"It it would all depend on how disabled you were from from whatever the accident was or whatever the case may be.","start":1215.24,"end":1222.035,"sentiment":"neutral","sentiment_score":-0.037603243508122185},{"text":"Yeah.","start":1223.155,"end":1223.555,"sentiment":"neutral","sentiment_score":0.10761909186840056},{"text":"Yeah.","start":1223.555,"end":1224.035,"sentiment":"neutral","sentiment_score":0.13779231905937195},{"text":"That's well, that's right.","start":1224.035,"end":1229.795,"sentiment":"neutral","sentiment_score":0.24168622866272926},{"text":"Yeah.","start":1229.795,"end":1230.295,"sentiment":"neutral","sentiment_score":0.2163785994052887}],"sentiment":"neutral","sentiment_score":0.02073322647604449,"num_words":29,"start":1215.24,"end":1230.295},{"sentences":[{"text":"How much you could do with that retirement remains to be seen.","start":1231.235,"end":1235.96,"sentiment":"neutral","sentiment_score":0.14847181954731545},{"text":"Yep.","start":1244.34,"end":1244.84,"sentiment":"neutral","sentiment_score":0.08878639340400696},{"text":"Yep.","start":1246.34,"end":1246.84,"sentiment":"neutral","sentiment_score":0.027809839695692062},{"text":"Okay.","start":1249.6151,"end":1250.1151,"sentiment":"neutral","sentiment_score":0.13835465908050537},{"text":"Yes.","start":1261.73,"end":1262.23,"sentiment":"neutral","sentiment_score":0.14515936374664307}],"sentiment":"neutral","sentiment_score":0.13636075565591455,"num_words":16,"start":1231.235,"end":1262.23},{"sentences":[{"text":"Yep.","start":1295.9501,"end":1296.4501,"sentiment":"neutral","sentiment_score":0.23090744018554688},{"text":"Mhmm.","start":1320.51,"end":1321.01,"sentiment":"neutral","sentiment_score":0.09293583035469057},{"text":"Yep.","start":1330.11,"end":1330.61,"sentiment":"neutral","sentiment_score":0.10220508277416228},{"text":"Yep.","start":1348.08,"end":1348.58,"sentiment":"neutral","sentiment_score":0.12621521949768066},{"text":"Yep.","start":1365.155,"end":1365.655,"sentiment":"neutral","sentiment_score":0.15439699590206146}],"sentiment":"neutral","sentiment_score":0.14133211374282836,"num_words":5,"start":1295.9501,"end":1365.655},{"sentences":[{"text":"Yep.","start":1380.1901,"end":1380.6901,"sentiment":"neutral","sentiment_score":0.11936452239751816},{"text":"Mhmm.","start":1398.4149,"end":1398.9149,"sentiment":"neutral","sentiment_score":0.03402077406644821},{"text":"On the aggressive side with more or, like, individual stocks, I'm happy to go with.","start":1405.9401,"end":1414.36,"sentiment":"neutral","sentiment_score":0.2936453407009443},{"text":"Yes.","start":1416.385,"end":1416.7051,"sentiment":"positive","sentiment_score":0.4035573601722718},{"text":"Definitely, an ETF to try and do a broader market.","start":1416.7051,"end":1420.645,"sentiment":"positive","sentiment_score":0.44501805007457734}],"sentiment":"positive","sentiment_score":0.33613583099629196,"num_words":28,"start":1380.1901,"end":1420.645},{"sentences":[{"text":"Like yeah.","start":1420.7051,"end":1422.305,"sentiment":"neutral","sentiment_score":0.12511727958917618},{"text":"I don't know.","start":1422.305,"end":1422.785,"sentiment":"neutral","sentiment_score":-0.02327082057793935},{"text":"Like, I'm I'm not, yeah, heavily interested in, I don't know, researching, like, pharmaceuticals, for 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yeah.","start":1441.17,"end":1454.125,"sentiment":"neutral","sentiment_score":0.14047644390387737},{"text":"I would feel in that sense, but I guess yeah.","start":1454.125,"end":1457.48,"sentiment":"neutral","sentiment_score":0.09583353996276855},{"text":"So I had obviously, you guys doing it for me.","start":1457.48,"end":1460.2201,"sentiment":"neutral","sentiment_score":0.28980873376131056},{"text":"I would be still happy to do individual stocks in a sense.","start":1460.4401,"end":1465.42,"sentiment":"positive","sentiment_score":0.42602356523275375},{"text":"ETFs, I know some, you know, ETFs and the companies that control them might charge higher fees, whereas you could essentially create your own ETF in individual stocks that, you know, may not charge any fees.","start":1466.68,"end":1480.045,"sentiment":"neutral","sentiment_score":0.13425444387313393}],"sentiment":"neutral","sentiment_score":0.17742833359085997,"num_words":115,"start":1441.17,"end":1480.045},{"sentences":[{"text":"But, yeah, again, this is all just me going off a very basic understanding of what I know of the stock market.","start":1481.545,"end":1488.52,"sentiment":"neutral","sentiment_score":0.1588719283992594},{"text":"But, yeah, I guess this is where you you and the advisers come in to say this is this would be a great option for you.","start":1488.52,"end":1495.58,"sentiment":"positive","sentiment_score":0.45028357437023747},{"text":"Yeah.","start":1496.6,"end":1497.08,"sentiment":"neutral","sentiment_score":0.17470529675483704},{"text":"Have you considered this or that?","start":1497.08,"end":1498.68,"sentiment":"neutral","sentiment_score":0.041598272820313774},{"text":"I don't know.","start":1498.68,"end":1499.32,"sentiment":"neutral","sentiment_score":-0.19907212257385254}],"sentiment":"neutral","sentiment_score":0.2591316193856042,"num_words":58,"start":1481.545,"end":1499.32},{"sentences":[{"text":"Yes.","start":1499.32,"end":1499.82,"sentiment":"neutral","sentiment_score":-0.06513702869415283},{"text":"That's why I'm I guess I'm doing this doing this phone calls and and asking around to see what would be, you know, best possible outcome for myself.","start":1500.125,"end":1508.9451,"sentiment":"neutral","sentiment_score":0.2571444133562701},{"text":"Yeah.","start":1516.7,"end":1517.2,"sentiment":"neutral","sentiment_score":0.02862565964460373},{"text":"Mhmm.","start":1528.94,"end":1529.44,"sentiment":"neutral","sentiment_score":0.040617503225803375},{"text":"Yep.","start":1544.36,"end":1544.86,"sentiment":"neutral","sentiment_score":0.008993266150355339}],"sentiment":"neutral","sentiment_score":0.2254107179469429,"num_words":32,"start":1499.32,"end":1544.86},{"sentences":[{"text":"Yep.","start":1546.44,"end":1546.94,"sentiment":"neutral","sentiment_score":-0.011272559873759748},{"text":"Yeah.","start":1561.845,"end":1562.245,"sentiment":"neutral","sentiment_score":0.2215554416179657},{"text":"Yep.","start":1562.245,"end":1562.745,"sentiment":"neutral","sentiment_score":0.24944230914115903},{"text":"A 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better.","start":1654.905,"end":1655.725,"sentiment":"neutral","sentiment_score":0.21005898714065552},{"text":"Yep.","start":1710.155,"end":1710.635,"sentiment":"neutral","sentiment_score":0.07183758169412613},{"text":"I see.","start":1710.635,"end":1711.675,"sentiment":"neutral","sentiment_score":0.0593823678791523}],"sentiment":"neutral","sentiment_score":0.11022060018564973,"num_words":7,"start":1640.985,"end":1711.675},{"sentences":[{"text":"I have a a small understanding.","start":1711.675,"end":1713.295,"sentiment":"neutral","sentiment_score":0.047180640821655594},{"text":"I've got a three times leveraged ETF fund that I'm in at the moment.","start":1713.5951,"end":1720.1799,"sentiment":"neutral","sentiment_score":0.051620086921112876},{"text":"I understand it's somewhat more riskier, but, obviously, yeah, could have bigger potential.","start":1721.2,"end":1728.875,"sentiment":"neutral","sentiment_score":0.018169850970690068},{"text":"But, yeah, I don't I'm not too too familiar with it.","start":1729.335,"end":1732.875,"sentiment":"neutral","sentiment_score":-0.09900790656154806},{"text":"But, yeah, I have a average understanding of probably beginner, beginner understanding of it all.","start":1734.455,"end":1740.635,"sentiment":"neutral","sentiment_score":-0.06035021257897218}],"sentiment":"neutral","sentiment_score":-0.012751983668086893,"num_words":59,"start":1711.675,"end":1740.635},{"sentences":[{"text":"Yep.","start":1756.3099,"end":1756.8099,"sentiment":"neutral","sentiment_score":0.056672047823667526},{"text":"Mhmm.","start":1765.455,"end":1765.955,"sentiment":"neutral","sentiment_score":-0.12326474487781525},{"text":"Yep.","start":1769.26,"end":1769.76,"sentiment":"neutral","sentiment_score":-0.0007789781084284186},{"text":"Okay.","start":1788.635,"end":1789.135,"sentiment":"neutral","sentiment_score":-0.04007936269044876},{"text":"Yep.","start":1795.92,"end":1796.42,"sentiment":"neutral","sentiment_score":0.2059694528579712}],"sentiment":"neutral","sentiment_score":0.019703683000989257,"num_words":5,"start":1756.3099,"end":1796.42},{"sentences":[{"text":"Mhmm.","start":1802.16,"end":1802.66,"sentiment":"neutral","sentiment_score":0.08625663071870804},{"text":"Yeah.","start":1822.485,"end":1822.885,"sentiment":"neutral","sentiment_score":0.11050722748041152},{"text":"I'd I'd be yeah.","start":1822.885,"end":1825.6901,"sentiment":"neutral","sentiment_score":0.00496759032830596},{"text":"I'd probably tread cautiously for the first, yeah, couple of years, I suppose.","start":1825.6901,"end":1831.4501,"sentiment":"neutral","sentiment_score":-0.04040172524177111},{"text":"Maybe just just kinda see what the returns are like, and then I would definitely be open to taking more risk as I sort of, yeah, grow a better better relationship or understanding of, yeah, yourself or the company that I'm dealing with or 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risk performance?","start":1950.395,"end":1963.11,"sentiment":"neutral","sentiment_score":0.1483350510780628}],"sentiment":"neutral","sentiment_score":0.0475421238164215,"num_words":115,"start":1923.855,"end":1963.11},{"sentences":[{"text":"Like, is it, like, a really clear, definitive sort of answer to be, like, right now, this is what we can do versus what you're doing already?","start":1963.11,"end":1969.45,"sentiment":"neutral","sentiment_score":0.07857869468905308},{"text":"Yep.","start":1982.745,"end":1983.245,"sentiment":"neutral","sentiment_score":0.2123800814151764},{"text":"Yep.","start":1998.7101,"end":1999.2101,"sentiment":"neutral","sentiment_score":0.010872606188058851},{"text":"Mhmm.","start":2005.4349,"end":2005.9349,"sentiment":"neutral","sentiment_score":-0.007575984578579664},{"text":"Okay.","start":2011.275,"end":2011.775,"sentiment":"neutral","sentiment_score":0.1008833423256874}],"sentiment":"neutral","sentiment_score":0.07865112264370246,"num_words":31,"start":1963.11,"end":2011.775},{"sentences":[{"text":"Yep.","start":2016.9,"end":2017.38,"sentiment":"neutral","sentiment_score":0.14788053929805756},{"text":"That's right.","start":2017.38,"end":2018.2,"sentiment":"neutral","sentiment_score":0.1822938770055771},{"text":"Okay.","start":2028.9,"end":2029.4,"sentiment":"neutral","sentiment_score":0.0413455069065094},{"text":"Yep.","start":2040.545,"end":2041.045,"sentiment":"neutral","sentiment_score":0.23924890160560608},{"text":"Okay.","start":2041.185,"end":2041.505,"sentiment":"positive","sentiment_score":0.3993878960609436}],"sentiment":"neutral","sentiment_score":0.1987417663137118,"num_words":6,"start":2016.9,"end":2041.505},{"sentences":[{"text":"That's great.","start":2041.505,"end":2042.245,"sentiment":"positive","sentiment_score":0.7055860757827759},{"text":"Do you also put in there in the in the statement a potential portfolio in the sense that y'all would be able to see what shares you would be investing?","start":2042.625,"end":2054.23,"sentiment":"neutral","sentiment_score":0.12989766485989093},{"text":"So do I get to see what ETFs and what shares you you 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yeah.","start":2062.725,"end":2064.885,"sentiment":"neutral","sentiment_score":-0.007694387187560399}],"sentiment":"neutral","sentiment_score":-0.13090086045364538,"num_words":18,"start":2059.365,"end":2064.885},{"sentences":[{"text":"Yeah.","start":2064.885,"end":2064.965,"sentiment":"neutral","sentiment_score":0.11270058155059814},{"text":"Yep.","start":2064.965,"end":2065.465,"sentiment":"neutral","sentiment_score":0.1996168941259384},{"text":"Yep.","start":2071.46,"end":2071.96,"sentiment":"neutral","sentiment_score":0.024521086364984512},{"text":"Yep.","start":2102.93,"end":2103.41,"sentiment":"neutral","sentiment_score":0.18223166465759277},{"text":"Yep.","start":2103.41,"end":2103.91,"sentiment":"neutral","sentiment_score":0.2453232854604721}],"sentiment":"neutral","sentiment_score":0.1528787024319172,"num_words":5,"start":2064.885,"end":2103.91},{"sentences":[{"text":"Yep.","start":2118.675,"end":2119.175,"sentiment":"neutral","sentiment_score":0.2669023871421814},{"text":"Okay.","start":2119.315,"end":2119.815,"sentiment":"positive","sentiment_score":0.4033801853656769},{"text":"Oh, that's great.","start":2119.875,"end":2120.855,"sentiment":"positive","sentiment_score":0.7347301244735718},{"text":"Well, I certainly look forward to it.","start":2121.075,"end":2122.835,"sentiment":"positive","sentiment_score":0.7804781453950065},{"text":"That's for sure.","start":2122.835,"end":2123.7349,"sentiment":"positive","sentiment_score":0.3938458462556203}],"sentiment":"positive","sentiment_score":0.6346238334973653,"num_words":15,"start":2118.675,"end":2123.7349},{"sentences":[{"text":"But, yeah, no no other questions from me at this stage.","start":2124.275,"end":2128.08,"sentiment":"neutral","sentiment_score":0.09495389529249885},{"text":"Yep.","start":2135.02,"end":2135.52,"sentiment":"neutral","sentiment_score":0.043376050889492035},{"text":"Yep.","start":2135.74,"end":2136.24,"sentiment":"neutral","sentiment_score":0.057847991585731506},{"text":"Alright.","start":2145.205,"end":2145.685,"sentiment":"positive","sentiment_score":0.4882997274398804},{"text":"Lovely.","start":2145.685,"end":2146.185,"sentiment":"positive","sentiment_score":0.7648006081581116}],"sentiment":"neutral","sentiment_score":0.15992114841938018,"num_words":15,"start":2124.275,"end":2146.185},{"sentences":[{"text":"Thank you so much.","start":2146.245,"end":2147.205,"sentiment":"positive","sentiment_score":0.7774507105350494},{"text":"Thanks for your time.","start":2147.205,"end":2148.3452,"sentiment":"positive","sentiment_score":0.36185672134160995},{"text":"See you.","start":2150.645,"end":2151.3052,"sentiment":"positive","sentiment_score":0.46274761855602264},{"text":"Thanks, Larissa.","start":2151.761,"end":2152.5808,"sentiment":"neutral","sentiment_score":0.3206186890602112},{"text":"Sweet.","start":2154.161,"end":2154.481,"sentiment":"neutral","sentiment_score":0.3091588616371155}],"sentiment":"positive","sentiment_score":0.4948554772597093,"num_words":13,"start":2146.245,"end":2154.481},{"sentences":[{"text":"Hello again?","start":2154.481,"end":2155.221,"sentiment":"neutral","sentiment_score":0.1718030571937561},{"text":"Hi, mate.","start":2155.3608,"end":2156.1008,"sentiment":"neutral","sentiment_score":0.3287319093942642},{"text":"Cool.","start":2156.481,"end":2156.721,"sentiment":"positive","sentiment_score":0.48565030097961426},{"text":"Alright.","start":2156.721,"end":2157.041,"sentiment":"positive","sentiment_score":0.3390747010707855},{"text":"Let's get this booked in now.","start":2157.041,"end":2158.481,"sentiment":"positive","sentiment_score":0.396099920074145}],"sentiment":"positive","sentiment_score":0.3501995379726092,"num_words":12,"start":2154.481,"end":2158.481},{"sentences":[{"text":"I'm having a look at the calendar.","start":2158.481,"end":2159.941,"sentiment":"neutral","sentiment_score":0.20549913282905305}],"sentiment":"neutral","sentiment_score":0.20549913282905305,"num_words":7,"start":2158.481,"end":2159.941}]}}]}],"paragraphs":{"transcript":"\nChannel 0: Good afternoon.\n\nChannel 1: Billy again. How are you?\n\nChannel 0: Great. How are you doing?\n\nChannel 1: Very good. Hey. Sorry to do this here. This is the same situation as before. I've sent you, like, the old first line.\n\nEverything's updated. His balance has actually gone down\n\nChannel 0: Yeah. Makes sense.\n\nChannel 1: since we did the research because he's invested really aggressively. Did you get the email, by the way, or is it taken as just to send again?\n\nChannel 0: I don't know. I'm not in my in emails yet.\n\nChannel 1: Oh, sorry. Sorry.\n\nChannel 0: No. You're okay.\n\nChannel 1: Anyways, he's a young boy. He's born in 1993, so he's, you know, in his thirties. He's got a 100,000 in his Australian super, 90% in international shares, and then five and five in high growth and Aussie shares. Canceled all of his insurances because he is fit and healthy in his in his words. Not interested in having anyone as a beneficiary either.\n\nSo he's pretty he's pretty switched on this bloke, and he's\n\nChannel 0: Okay.\n\nChannel 1: he's come out as a high growth investor. He's a site supervisor, so he's a trader. He makes a $130 a year, and he's one of those guys. It looks like he's got half $1,000,000 in mortgage debts, property worth about $7.50.\n\nChannel 0: Mobius is 507 city in value.\n\nChannel 1: Cool. Yep.\n\nChannel 0: What's his name?\n\nChannel 1: Oh, Jake. Sorry.\n\nChannel 0: That's okay. As you said, it it came through anyway. So, Shigee,\n\nChannel 1: Oh, cool.\n\nChannel 0: let's go.\n\nChannel 1: Perfect. Easy. I'll patch him. Jake, you still there? Yeah.\n\nSweet. I just got Larissa on the line. Look. She's the adviser that'll be working on your plan for you. So she's just gonna put her sort of go over the next steps with you, make sure everything's good on her end.\n\nJust cross some t's and dot some i's. Can't take too long, man, and then I'll I'll quickly catch up with you after. That's cool. Yeah. No worries at all.\n\nSweet as. Go ahead, Laveta.\n\nChannel 0: Hi, Jake. How are you going?\n\nChannel 1: I'm very good. Thank you. How are you?\n\nChannel 0: Really well. Monday evening, can't complain too much.\n\nChannel 1: About a year.\n\nChannel 0: Five\n\nChannel 1: You're out of there.\n\nChannel 0: 05:00. I'll get out of here by midnight if I'm lucky. No. I'm kidding. No.\n\nSo I guess to explain what I do, I'm a financial planner. I'm authorized by ASIC to be able to provide financial advice. I'm I've been in the industry for coming on a decade, and\n\nChannel 1: Yep.\n\nChannel 0: this is what I love doing. Now with a financial adviser, the whole point in what I do is working with clients to ensure that either, a, they understand where their financial position is and the risks they're taking, but, b, also putting together a plan to better suit where they're at and where they wanna head. Now\n\nChannel 1: Yep.\n\nChannel 0: as I understand, currently, we're single. We have no dependents. We're on really good income, and we've set ourselves up with a pretty decent house for\n\nChannel 1: Yeah.\n\nChannel 0: the future, which is fantastic.\n\nChannel 1: Yeah. Please.\n\nChannel 0: I get\n\nChannel 1: Great.\n\nChannel 0: very much so. And doing it alone is hard but admirable considering you are still so very young.\n\nChannel 1: Yes. I'm getting\n\nChannel 0: And\n\nChannel 1: there. Just checking why.\n\nChannel 0: if I don't say that you're young, I don't say that I'm young, and that just makes me sad.\n\nChannel 1: Yeah. I know. 32. It's right on the brink of, like, calling yourself young and old, I think, at the same time. I think once I go to 35, I'll start calling myself old.\n\nChannel 0: Yeah. It's not mid thirties yet. So, really,\n\nChannel 1: Yeah. I'm\n\nChannel 0: it's\n\nChannel 1: talking\n\nChannel 0: it's\n\nChannel 1: to\n\nChannel 0: good.\n\nChannel 1: this. I'm\n\nChannel 0: It's\n\nChannel 1: I'm hanging on.\n\nChannel 0: fine.\n\nChannel 1: I'm hanging on.\n\nChannel 0: Now one of the biggest things that I work with is goal based advice, and the reason we do it that way is because everyone's individual and everyone's goals are different. So the person that I spoke to this morning is completely different to you, and nothing is, you know, cookie cutter. So\n\nChannel 1: Yep.\n\nChannel 0: what I wanna find out from you is what are your goals and what are you trying to achieve in life, in finances, in where you wanna head?\n\nChannel 1: It's a very broad question, but, I mean, I just want to\n\nChannel 0: Yeah.\n\nChannel 1: set myself up essentially to hopefully retire early early than 60, earlier\n\nChannel 0: Yep.\n\nChannel 1: than the average. So my investment goals, I suppose, would be to hopefully use maybe this opportunity to be able to access my or build my super up, you know, more than what the average Joe would, and then possibly, obviously, have some assets in my name that I could use for an early retirement. And then by the time I do get to access these funds, you know, access my super at an older age. I'm well and truly comfortable to, you know, understand that I'll be able to not go back to work and, you know, have investments or money that will work for me at the time to, yeah, just ensure that I'll be able to have a good retirement and my kids won't have a bit of money and my partner as well if something goes to go wrong or yeah. Just to be just for the money not to be an issue later on down the track.\n\nChannel 0: Okay. Absolutely. Alright. Perfect.\n\nChannel 1: It's pretty pretty pretty average, I suppose. It's pretty pretty bland in a sense, but it's just something that I'm yeah. I don't want to have to rely on attention, I suppose.\n\nChannel 0: No. It and it's not. The fact that you are, a, willing to engage and look at things now is an absolute testament and benefit to yourself because talking to you in twenty years' time is a very it's a much different conversation.\n\nChannel 1: Yeah. Hopefully.\n\nChannel 0: So a conversation today means that we can take those steps to set you up with avenues for personal wealth building as well as growth through your superannuation fund and other avenues like that. Rather than, you know, in twenty years' time when we are, you know, in our mid fifties, it's sometimes past time where we can take some of those riskier steps. So, obviously, you have a half decent amount of knowledge with respect to superannuation and retirement and where you're able to retire and access. So I just\n\nChannel 1: Yep.\n\nChannel 0: wanna, I guess, make sure that you are definitely aligned. Age 60 is when you can retire and access your superannuation. A lot\n\nChannel 1: Yep.\n\nChannel 0: of people confuse 65 and 67, but 60 is when you can access your superannuation currently under legislation.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: 60\n\nChannel 1: And you\n\nChannel 0: five?\n\nChannel 1: have to be not working\n\nChannel 0: Mhmm.\n\nChannel 1: full time? Don't you have to\n\nChannel 0: Yeah. Correct. Yeah. So 60 is where there's a there's a a caveat upon you accessing, and it's either\n\nChannel 1: yep.\n\nChannel 0: transitionary or you're fully retired or you're working under ten hours. You see some\n\nChannel 1: Yep.\n\nChannel 0: form of employment. There's restrictions to it. From 60\n\nChannel 1: Okay.\n\nChannel 0: five, there's no restrictions at all. You can access it\n\nChannel 1: Yep.\n\nChannel 0: irrespective of whether you're working full time or not. And\n\nChannel 1: Mhmm.\n\nChannel 0: 67, which is what a lot of people get hung up on, is that pension age. You don't care about that age, and we're not even gonna talk about that age.\n\nChannel 1: No.\n\nChannel 0: So what we're gonna focus on is before 60. So, obviously, because we can't access until 60, it means that any retirement that we do prior to 60 would have to be self funded. So\n\nChannel 1: Yep. Yep. Exactly.\n\nChannel 0: focusing on looking at assets in your own name. You currently have a property. Is property an investment avenue that you would consider in the future? Or\n\nChannel 1: Yeah. It is, but it's I wouldn't lean on you or, you know, my advisers to do that for me because I'm a builder. I will naturally accumulate houses or build houses for myself and property and\n\nChannel 0: Yeah.\n\nChannel 1: and whatnot. So I don't want that to be a, like, a weighing factor on I don't know the way you allocate my money or funds or my investment opportunities.\n\nChannel 0: Yeah.\n\nChannel 1: I\n\nChannel 0: Yep.\n\nChannel 1: think I would just leave the property sort of things to myself.\n\nChannel 0: Yep. No. Perfect. It it's still a consideration because, obviously, you need to have liquidity to be able to engage in something like\n\nChannel 1: Definitely.\n\nChannel 0: that.\n\nChannel 1: Definitely.\n\nChannel 0: So whether\n\nChannel 1: Yeah.\n\nChannel 0: that's, you know, liquidity in, you know, well, I guess, equity in your current property gives\n\nChannel 1: Yep.\n\nChannel 0: you the capacity to go and purchase again\n\nChannel 1: Yeah.\n\nChannel 0: rather than anything else. That's, I guess, making sure that we don't over leverage you to the point where you don't have the opportunity if it ever arises to go and purchase something that falls into your lap.\n\nChannel 1: Yeah. That's\n\nChannel 0: Because,\n\nChannel 1: what\n\nChannel 0: obviously,\n\nChannel 1: he's saying.\n\nChannel 0: you work\n\nChannel 1: Yep.\n\nChannel 0: in the industry. Sometimes houses do just fall into your lap. It's not that you're looking. It's just it exists.\n\nChannel 1: Well, yeah. Just yeah. That's right.\n\nChannel 0: Yeah. So currently, we're we're putting away sort of $500 a week. Is that in savings, is that money actually being saved, or is that money being put onto the mortgage currently as additional repayments? Or where is that money kind of going?\n\nChannel 1: That is a great question. I actually don't. I've I've refinanced recently to ANZ\n\nChannel 0: Yeah. Yep.\n\nChannel 1: from Commonwealth. I haven't actually had a look at my savings lately. But to answer your question, I think that that money I know that I mean, I it is used to getting saved. It must be. I haven't done it.\n\nLook at my account for a good while. And and it's just beginning to say if I've got any spare money, I'm not putting it in towards anything. I've got a $100 a week that goes into my CMC account. Yeah. Into my CMC account.\n\nSorry. And then I sort of wait for that to build up to $500 or a thousand dollars, and I whack it into a a share that, you know, I like or, you know, whatnot. So there's\n\nChannel 0: Yep.\n\nChannel 1: a savings that go back into a share portfolio. But the other savings at the moment, I'm I am just saving just purely because I've got some home improvements\n\nChannel 0: Yep.\n\nChannel 1: that I wanna do. And and again, like you said, you know, you're just trying to build up a bit more savings so I can use a bit of equity and savings to purchase the next property and and keep this one that I've got as an investment property as well. So, yeah, I'm holding my cards close to my chest at the moment.\n\nChannel 0: Yeah. No. Absolutely. So on the like, your your CMC account or your your your stock account,\n\nChannel 1: Yep.\n\nChannel 0: we're just we're dabbling. We just kind of invest and hold, or are we kind of day trading a little bit? Or\n\nChannel 1: It's just invest and hold. I\n\nChannel 0: Yep.\n\nChannel 1: it's any money that goes to my CMC account does not come back yet. It's\n\nChannel 0: Cool.\n\nChannel 1: I'm a very, very disciplined in that area.\n\nChannel 0: No. Perfect.\n\nChannel 1: Alright.\n\nChannel 0: No.\n\nChannel 1: Hold\n\nChannel 0: Absolutely.\n\nChannel 1: on. Yeah. I don't wanna have to pull it up. Yep.\n\nChannel 0: Cool. And the whole avenue like, the reason that we're purchasing shares in that account is specifically so we have, I guess, personal assets for that retirement avenue?\n\nChannel 1: Yeah. Exactly. Yeah. Pretty much. My yeah.\n\nMy CMC account is returning a lot better than what my super is, nearly double at the moment each year. So I'm doing doing something right, but I don't expect it to go that way every year. It could do the complete opposite. So I'm fully understanding of that. But, yeah, at the moment, my my shares are sort of going pretty good for me.\n\nSo I'll just keep doing that, keep chipping away at that. And then if I can obviously, yeah, get get in touch with with you guys and you think that I can do something better on the super side of things as well, then I think my money will be working for me\n\nChannel 0: Overall.\n\nChannel 1: pretty well.\n\nChannel 0: Okay.\n\nChannel 1: Yeah.\n\nChannel 0: And I guess, CMC account, are we individual stocks, or are we, like, ETFs, managed funds?\n\nChannel 1: Mostly individual stocks, and then I've got one ETF at I. If I'm, you know, unsure of what to invest in over that quarter, I just usually chuck it into that ETF.\n\nChannel 0: Yeah. Okay. Cool. No. Just give me\n\nChannel 1: Yep.\n\nChannel 0: a feel for where you're at. Perfect.\n\nChannel 1: Yep.\n\nChannel 0: Alright. So we're kind of doing a little bit of trading, just having fun over there, accumulating wealth personally, and then we still have our savings that we're kind of just putting away rainy day towards everything that we wanna do.\n\nChannel 1: Pretty much.\n\nChannel 0: Now I guess one of the biggest things and I'm gonna be really clear when I say this that I am not going to push you into one avenue or another,\n\nChannel 1: Mhmm.\n\nChannel 0: but I wouldn't be doing my job if I didn't at least raise the question. Your\n\nChannel 1: Yep.\n\nChannel 0: insurance within AustralianSuper, I understand that you canceled it\n\nChannel 1: Mhmm.\n\nChannel 0: because we're fit and healthy, which is fantastic, and I love that.\n\nChannel 1: Yes.\n\nChannel 0: The only reason I raise it is because insurance protects us personally. So we insure our vehicles. We insure our house because if an event occurs, we're then able to rebuild our house or the car accident that we had when we ran up the back of the Lamborghini, we're covered and protected.\n\nChannel 1: Yep.\n\nChannel 0: Now personal insurance, which is what you would have had inside your Australian Super, covers you personally in the event that you had an event. So sometimes that could be an accident, not just an illness. We're fit and healthy right now, so there's no illnesses. But let's just say that we were in that car accident and we were not able to work for a period of time. How would that affect your capacity to pay your bills if you were not working?\n\nIs there any other income sources you have? Obviously, there's the the trading account for this $30 that you could pull out. We don't\n\nChannel 1: Yep.\n\nChannel 0: want to, but we could.\n\nChannel 1: Yeah.\n\nChannel 0: I guess,\n\nChannel 1: No. There's\n\nChannel 0: I\n\nChannel 1: there's no other income\n\nChannel 0: yeah.\n\nChannel 1: of any other source.\n\nChannel 0: Okay. And look. I get it. You're you're you're 32. I am literally in the same age bracket that you are.\n\nChannel 1: Yep.\n\nChannel 0: It it's not something we ever want to happen, but I also specialize in claims. I've done claims for a good five years. And I have put claims through for 30 year olds both because they are never able to work again, they're temporarily not working again, or, unfortunately, they pass away.\n\nChannel 1: Yep.\n\nChannel 0: And whilst I get it, because you are single and, realistically, your estate consists of your assets that you hold personally, and they're gonna be able to sell your home and and, you know, your family will sell your home and walk away with a good couple $100,000. Life insurance\n\nChannel 1: Yep.\n\nChannel 0: possibly isn't something you care about right this minute. I think I'm more focused on the disability portion of it that if you were in an accident and you weren't able to work, how does your mortgage get paid? How do you get paid? How do you put food on the table?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So do you want to look at insurance, or are you happy accepting the risk? And it's your risk to accept. I'm just putting it in terms that makes you think about\n\nChannel 1: No.\n\nChannel 0: it from\n\nChannel 1: I'm\n\nChannel 0: that perspective.\n\nChannel 1: yeah. No. I'm definitely open to putting the insurance back on. It was just a a little I don't know. Just turn\n\nChannel 0: I\n\nChannel 1: it off\n\nChannel 0: don't\n\nChannel 1: by\n\nChannel 0: need\n\nChannel 1: a little\n\nChannel 0: it.\n\nChannel 1: bit\n\nChannel 0: I'm good.\n\nChannel 1: and try and yeah. Try and because I yeah. I've stupidly typed in my little insurance amount and how much that compounds over time, and I\n\nChannel 0: Yes.\n\nChannel 1: was like, oh, that could be definitely better off in my pocket. So anyway, I I really don't care. I'm\n\nChannel 0: Yeah.\n\nChannel 1: more than happy to put insurance back on. It's definitely something that I should do. I know that. But yeah. Anyway, I just was just\n\nChannel 0: No.\n\nChannel 1: living in the moment for a little bit. I mean, it's only been turned off for oh, fuck. Wouldn't have been made six months. I would have turned it off for, so it's not it doesn't mean that long. But, yeah, if I do end up sort of going with you guys and we we go through, you know, this process, I'll I'll turn it back on because\n\nChannel 0: Yeah.\n\nChannel 1: yeah. Yeah.\n\nChannel 0: It's important. And, again,\n\nChannel 1: Yeah.\n\nChannel 0: not\n\nChannel 1: That's\n\nChannel 0: to\n\nChannel 1: fine.\n\nChannel 0: hop on or scare you or anything like that. It's accidents happen. Accidents happen daily.\n\nChannel 1: Yeah. That's right. Yeah. And not even from my own fault, I could get the hit I could get t boned\n\nChannel 0: Yep.\n\nChannel 1: for another car, and it could be somebody else's fault. So yeah. No.\n\nChannel 0: 100\n\nChannel 1: I fully understand.\n\nChannel 0: percent.\n\nChannel 1: It's a very\n\nChannel 0: Yeah.\n\nChannel 1: risky game I'm playing. But, anyway, I'm playing\n\nChannel 0: That's\n\nChannel 1: it.\n\nChannel 0: that's\n\nChannel 1: Yeah.\n\nChannel 0: okay. So I'll look at I'll what I'll do is I'll look at quoting up to see what it costs from an income replacement perspective. So it means that if you're off work for a short period of time, your income continues being supported.\n\nChannel 1: Yep.\n\nChannel 0: And then I'll look at the total disability perspective. So it means if you're never able to work again, what that looks like.\n\nChannel 1: Yep.\n\nChannel 0: Whilst I understand that your job is fifty fifty, so you you have office and field capacity,\n\nChannel 1: Yep.\n\nChannel 0: and that it could be an opportunity for you to move solely into the office. Sometimes, maybe you\n\nChannel 1: Yeah.\n\nChannel 0: can't capacity wise from the illness or just occupation wise from the job perspective. It could be something that, you know, pays off your mortgage and allows you to be debt free. Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: So I'll look at it from from that kind of perspective. What if we were to look at covering you for a lump sum benefit in the t fee or in the total pump disability realm would you want covered? Would it just be the mortgage with a little bit on the side, or would you want to still make sure that you're covering to get to your retirement goals?\n\nChannel 1: Well, yeah. I mean, I I suppose. I yeah. I'm I'm not too sure exactly what that figure would be. It's probably yeah, that could probably go off your advice.\n\nYou know, you guys deal with it sort of day in day yet. You probably know what the correct cover would be. But, yeah, I yeah. It's taking taking oh, sorry. Thinking about all possibilities.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah. I don't know what that I don't know what\n\nChannel 0: Okay.\n\nChannel 1: that figure is. Sorry.\n\nChannel 0: So\n\nChannel 1: But\n\nChannel 0: that's\n\nChannel 1: yeah.\n\nChannel 0: okay.\n\nChannel 1: But it would\n\nChannel 0: I\n\nChannel 1: be\n\nChannel 0: can\n\nChannel 1: interesting\n\nChannel 0: I can\n\nChannel 1: to\n\nChannel 0: answer\n\nChannel 1: look at. Yeah.\n\nChannel 0: I can answer the figure perspective? The only question,\n\nChannel 1: Yep.\n\nChannel 0: I guess, I would want answered from you because I can't answer it is if you were never able to work again, tomorrow, you could you just couldn't work again, whatever the reason was,\n\nChannel 1: Yep.\n\nChannel 0: would you accept that your life has fundamentally changed and the goals that you discussed today were never gonna be able to be reached and achieved because your income could no longer be be supported if you don't have an income anymore?\n\nChannel 1: Yeah.\n\nChannel 0: Or would you still want, irrespective of working or not, you to achieve those goals?\n\nChannel 1: Gosh. That's a tough question. I mean, I would I would it it all depends on what how incapacitated I am, I suppose. Like, from a quadrupleg, you send everything to me to go out the window because I'm looking to get a go far. Or do much.\n\nChannel 0: Yeah.\n\nChannel 1: But, yeah, it's it would all depend on disability. It's it's such\n\nChannel 0: Yeah.\n\nChannel 1: a broad question. I don't\n\nChannel 0: It\n\nChannel 1: really\n\nChannel 0: is.\n\nChannel 1: know how to answer that.\n\nChannel 0: No.\n\nChannel 1: Yeah. Obviously, I would want all my goals to still be achieved. Like, that would be\n\nChannel 0: Yeah.\n\nChannel 1: the best case scenario. That's it.\n\nChannel 0: I do.\n\nChannel 1: Anybody would say that. But then\n\nChannel 0: Yeah.\n\nChannel 1: yeah. It it would all depend on how disabled you were from from whatever the accident was or whatever the case may be.\n\nChannel 0: Definitely.\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: I mean,\n\nChannel 1: That's\n\nChannel 0: technically, your early retirement goal is achieved because you never have to work again.\n\nChannel 1: well, that's right. Yeah. How much you could do with that retirement\n\nChannel 0: Totally.\n\nChannel 1: remains to\n\nChannel 0: Yep.\n\nChannel 1: be seen.\n\nChannel 0: No. That's that's okay. That's that it it gives me a good scope to be able to calculate from there\n\nChannel 1: Yep.\n\nChannel 0: income replacement debts, all that\n\nChannel 1: Yep.\n\nChannel 0: kind of stuff. So I can I can pull those figures? That's fine.\n\nChannel 1: Okay.\n\nChannel 0: Alright. So I guess moving forward in in respect to the investment side of things, I can see that you are heavily, I guess, more aggressively invested. You know,\n\nChannel 1: Yes.\n\nChannel 0: we're very heavy into our international shares, which is okay. Absolutely nothing wrong with that. I guess the biggest question I have for you is when it comes to risk taking with investments, because you do trade a little bit, and your individual stocks, there's an ETF in there, and you're very heavy in in your international shares, whether you are maybe more suited to go a little bit more aggressive with your investments. You came out as quite an aggressive investor when we did the investor risk profile questionnaire, which it is\n\nChannel 1: Yep.\n\nChannel 0: just a tool. The whole point of that tool is to gauge where you sit in a risk profile. And a risk profile is realistically looking at whether a 100%, 90%, 80, and so on and so forth of the overall assets should be invested in the market and to what degree, whether it's growth or value start like, started stocks or whether it's defensive, you know, regulated stocks. So\n\nChannel 1: Mhmm.\n\nChannel 0: what what that tool showed me was that you are to the 90, a 100% kind of bracket as a as a risk taker. Now, realistically,\n\nChannel 1: Yep.\n\nChannel 0: risk breaks down further than that because then we have our stocks and shares that, you know, are better regulated, maybe blue chip, have been around for longer, have risk ratings like the alpha and the beta, which is how they perform against the benchmark.\n\nChannel 1: Yep.\n\nChannel 0: And then you obviously have, you know, on the reverse things where you've got your higher risk stocks, your emerging companies, you've got, you know, potential asset managers that are fairly new to the market, haven't, you know, been in the game for as long, stuff like that.\n\nChannel 1: Yep.\n\nChannel 0: Now we look at two different avenues of of investing. There's, you know, your ETFs, which are obviously your lower cost assets that generally\n\nChannel 1: Yep.\n\nChannel 0: track the market. Okay? And then you look at diversifying out through that. Or on the flip side, you look at your managed funds, which the whole point of a managed fund is generally a little bit more expensive, but the whole point is to try and outpace the market, or it's on the negative or the positive depending on what they're obviously trying to achieve. As\n\nChannel 1: Mhmm.\n\nChannel 0: an investor type, which side of that coin do you kind of feel you fall on?\n\nChannel 1: On the\n\nChannel 0: Like,\n\nChannel 1: aggressive\n\nChannel 0: ETF.\n\nChannel 1: side with\n\nChannel 0: Yeah.\n\nChannel 1: more or, like, individual stocks, I'm happy to go with.\n\nChannel 0: Yep.\n\nChannel 1: Yes. Definitely, an ETF to try and do a broader market. Like yeah. I don't know. Like, I'm I'm not, yeah, heavily interested in, I don't know, researching, like, pharmaceuticals, for example.\n\nSo I would just throw, like, some money into a pharmaceutical ETF just so I have a\n\nChannel 0: Yep.\n\nChannel 1: bit of exposure to that side of the market. But then,\n\nChannel 0: Yep.\n\nChannel 1: I don't know, where I'm a bit more interested in, like, tech stocks or something like that. I would probably invest in, like, individual ones just based on what I, you know, think is, you know, potentially going to do well or what, you know, what the next innovative, you know, design or tech might be that, you know, I just kind of yeah. I would feel in that sense, but I guess yeah. So I had obviously, you guys doing it for me. I would be still happy to do individual stocks in a sense.\n\nETFs, I know some, you know, ETFs and the companies that control them might charge higher fees, whereas you could essentially create your own ETF in individual stocks that, you know, may not charge any fees. But, yeah, again, this is all just me going off a very basic understanding of what I know of the stock market. But, yeah, I guess this is where you you and the advisers come in to say this is this would be a great option for you. Yeah. Have you considered this or that?\n\nI don't know. Yes. That's why I'm I guess I'm doing this doing this phone calls and and asking around to see what would be, you know, best possible outcome for myself.\n\nChannel 0: Yeah. So when it comes to super, individual stocks, little bit more risk. And, also,\n\nChannel 1: Yeah.\n\nChannel 0: because contributions going in the high volume, it's the same reason you only trade once you've hit $500. A, generally, you've got a $500 minimum buy in.\n\nChannel 1: Mhmm.\n\nChannel 0: But your your, oh my god, what's it called, the buy sell cost to actually trade on individual stocks on the open market is gonna be\n\nChannel 1: Yep.\n\nChannel 0: quite heavy, especially if\n\nChannel 1: Yep.\n\nChannel 0: you're buying into, you know, say, 20 different you'd probably diversify further than 20 different individual companies, but you probably have maybe up to 80 different individual companies in a portfolio to few $100,000 to get some decent diversity going.\n\nChannel 1: Yeah. Yep.\n\nChannel 0: So\n\nChannel 1: A\n\nChannel 0: individual\n\nChannel 1: lot.\n\nChannel 0: stocks, yeah, definitely possible within a superannuation fund, 100%. Not saying it's not, but probably a small percentage of the overall thumb, not something that you would have, like, just individual stocks the whole way through because the trading cost on that would be astronomical. The fees\n\nChannel 1: Right.\n\nChannel 0: just\n\nChannel 1: Yeah.\n\nChannel 0: to trade\n\nChannel 1: Yep.\n\nChannel 0: it would get really high really quick.\n\nChannel 1: Yep.\n\nChannel 0: Versus your ETF, it diversifies things out, allows you to, you know, be in, say, 10 to 30 different stock options within that fund. You're not paying for a a purchase cost and you buy, sell much much more reduced. However, you obviously\n\nChannel 1: Mhmm.\n\nChannel 0: have your what's called a a MER or a management fee that's incorporated within that ETF or a managed fund, so on and so forth. They they all do have their fees, obviously, whereas your individual stocks don't.\n\nChannel 1: Yep.\n\nChannel 0: I can definitely look at ETFs to begin with. And then, obviously, as the relationship builds, as we work together moving forward, we can look at incorporating stocks in areas that you're interested in, in areas that you wanna include those stock options in things that, you know, you're purchasing personally, if you wanna incorporate them into your superannuation fund, it's something we can definitely look at as well. Not something\n\nChannel 1: Yep.\n\nChannel 0: I generally start off with in a relationship to begin with, purely and simply because individual stocks are very, very personalized opinion based, I guess, purchase,\n\nChannel 1: Yeah. That's better.\n\nChannel 0: but something we can definitely, I guess, broach into. Now with respect to, I guess, where we head from here, what we would wanna do or what I would wanna do is have a look at everything from an overall perspective. I I would research where you're currently at, you know, being everything that's sitting within your Australian super, how it's gone, how it's performed, the asset split between the three classes that you currently have. And then I would look at other options that are available in the market to a heavier investment, like, you know, to allocate you within the risk profile that you're invested. One of the things I did wanna, I guess, find out was whether you know what leveraged or gearing geared investments are.\n\nChannel 1: Yep. I see. I have a a small understanding. I've got a three times leveraged ETF fund that I'm in at the moment. I understand it's somewhat more riskier, but, obviously, yeah, could have\n\nChannel 0: Okay.\n\nChannel 1: bigger potential. But, yeah, I don't I'm not too too familiar with it.\n\nChannel 0: Okay.\n\nChannel 1: But, yeah,\n\nChannel 0: So there's\n\nChannel 1: I have a average understanding\n\nChannel 0: average\n\nChannel 1: of probably\n\nChannel 0: no.\n\nChannel 1: beginner, beginner understanding of it all.\n\nChannel 0: No. That's okay. So there's there's basically two ways to invest in a leverage capacity. One is to go out to a bank, get a loan yourself, and then invest in the stock market. At the end of the twelve months, whatever you've made or lost, you still have an obligation to return the money to the bank and pay them\n\nChannel 1: Yep.\n\nChannel 0: the interest that that you've incurred. If you've made money, happy days, you get the earnings, they get the principal and the interest.\n\nChannel 1: Mhmm.\n\nChannel 0: If you've lost money, therein lies the risk.\n\nChannel 1: Yep.\n\nChannel 0: The other option is to go into it's just like what you have, like a leveraged or geared fund or ETF, where they basically internally borrow the money and you and they invested on the market. Same sort of thing, but it happens interfund. The risk is less with you. So, for example, say, if you were to\n\nChannel 1: Okay.\n\nChannel 0: lose a 100% of the money that you've invested, you've lost a 100%. You still don't owe anything on top of that. That's\n\nChannel 1: Yep.\n\nChannel 0: the risk that the funds takes. So it it alleviates the risk that you're taking from that\n\nChannel 1: Mhmm.\n\nChannel 0: capacity. Is leveraged investments something that you would want to look at from a superannuation perspective now, or is that maybe something you may wanna look at later down the future after an established relationship and you can see how we're going with everything we're doing?\n\nChannel 1: Yeah. I'd I'd be yeah. I'd probably tread cautiously for the first, yeah, couple of years, I suppose. Maybe just\n\nChannel 0: Yeah.\n\nChannel 1: just kinda see what the returns are like, and then I would definitely be open to taking more risk as I sort of, yeah, grow a better better relationship or understanding of, yeah,\n\nChannel 0: I\n\nChannel 1: yourself\n\nChannel 0: think so.\n\nChannel 1: or the company that I'm dealing with or whatever. Yeah. No. Definitely more than more than open to try new things a couple of years down the track.\n\nChannel 0: Absolutely. And, realistically, working with an adviser, it does work to that capacity. Sometimes we look at things right now, and sometimes, you know, a conversation we're having right now could be something that we execute in two, three, five years' time. You know, you mentioned kids and a wife. Obviously, not something for the immediate, but, you know, it's something that you have in your life as a as a life goal for yourself and something that we, you know, can incorporate into everything down the future, you know, whether it's investments for the kids to put money away ready for them to buy a house or buy a car.\n\nIt's things\n\nChannel 1: Yep.\n\nChannel 0: we can look at as life changes and evolves.\n\nChannel 1: Yep.\n\nChannel 0: Cool. Alright. Well, I have, a, kept you for long enough, and, b, has everything that I possibly need right this second. So what I do is\n\nChannel 1: Uh-huh.\n\nChannel 0: I take everything away, I research everything, and then I put together a statement of advice. So it's a\n\nChannel 1: Mhmm.\n\nChannel 0: big glorious document that I will present to you and we'll go through from there. But I\n\nChannel 1: Okay.\n\nChannel 0: guess before I leave you to the night, is there anything that you may wanna know from myself?\n\nChannel 1: No. No. I don't I don't think so. I mean, I know that yeah. You're you're factoring all of the the fees and and whatnot as well.\n\nAnd I guess,\n\nChannel 0: Yep.\n\nChannel 1: do you when you give me the statement of advice, is there something that's like we could perform, you know, obviously, it's probably hard to predict in a sense, but would you I don't know. Like, do you say something like we would be able to outperform the market and this is what your super could look like with us compared to what you're currently doing with the showing super and this is where they could you could end up with them, you know, given risk performance? Like, is it, like, a really clear, definitive\n\nChannel 0: Yes. Yeah.\n\nChannel 1: sort of answer to be, like, right now, this is what we can do versus what you're doing already?\n\nChannel 0: Yep. So there is a whole section that outlines our fees, the fund fees, the investment fees, every fee on everything for both your current and any recommendation I made.\n\nChannel 1: Yep.\n\nChannel 0: And there is also utilizing historical performance, so both with AustralianSuper in the investments you currently have. Also, I look at AustralianSuper from a if I was to increase the investment risk within your current portfolio or decrease it depending on the client or the\n\nChannel 1: Yep.\n\nChannel 0: portfolio I'm looking at, you know, if you were to alter the current investment within your current super fund, what that outcome looks like versus\n\nChannel 1: Mhmm.\n\nChannel 0: historical performance of any fund or or portfolio that I built for a client. And that's\n\nChannel 1: Okay.\n\nChannel 0: realistically what I would be doing is building a portfolio to suit you,\n\nChannel 1: Yep.\n\nChannel 0: to\n\nChannel 1: That's\n\nChannel 0: suit\n\nChannel 1: right.\n\nChannel 0: where you are from a risk level, where you are from a, you know, gearing, not gearing, ETFs versus managed funds, all that kind of stuff. Like, that's what I'm looking\n\nChannel 1: Okay.\n\nChannel 0: at. Looking at making sure that I'm weighing up the the alpha and beta of an of a of a portfolio for the long term and not just gearing things ready for the short term.\n\nChannel 1: Yep. Okay. That's great. Do you also put in there in the in the statement a potential\n\nChannel 0: Yes.\n\nChannel 1: portfolio\n\nChannel 0: Yeah.\n\nChannel 1: in the sense that y'all would be able to see what shares you would be investing? So do I\n\nChannel 0: Very\n\nChannel 1: get to\n\nChannel 0: much\n\nChannel 1: see what\n\nChannel 0: so.\n\nChannel 1: ETFs and what shares\n\nChannel 0: Yeah.\n\nChannel 1: you you okay. Alright.\n\nChannel 0: Yes. So\n\nChannel 1: That's\n\nChannel 0: I\n\nChannel 1: cool.\n\nChannel 0: put\n\nChannel 1: No. That's alright.\n\nChannel 0: very,\n\nChannel 1: I should\n\nChannel 0: very\n\nChannel 1: just wait.\n\nChannel 0: much.\n\nChannel 1: Just wait for\n\nChannel 0: No.\n\nChannel 1: it all to come\n\nChannel 0: No.\n\nChannel 1: through.\n\nChannel 0: You're\n\nChannel 1: But\n\nChannel 0: you're\n\nChannel 1: anyway\n\nChannel 0: allowed to ask the questions. I've\n\nChannel 1: yeah.\n\nChannel 0: we\n\nChannel 1: Yeah. Yep.\n\nChannel 0: so very much, if you put our foot our our best foot forward, I guess, is the best way to put it.\n\nChannel 1: Yep.\n\nChannel 0: Industry wide over the last twenty years, there's been a lot of flack thrown at it. And because of that, you know, we don't ask for an upfront fee. We don't ask for you to to put any money down before we give you the advice purely and simply because we know that the initial piece of advice is one stage in the entire piece moving forward. So whilst, yeah, you could, you know, say thanks and run, we know that, you know, we're gonna help you over the long term, and it's not just a, you know, one set and forget strategy.\n\nChannel 1: Yep. Yep.\n\nChannel 0: So the whole point and why we do what we do is because we want to put our money where our mouth is realistically and, you know, work with you long term and help you out to get to where you wanna go.\n\nChannel 1: Yep. Okay. Oh, that's great. Well, I certainly look forward to it. That's for sure.\n\nBut, yeah, no no other questions from me at\n\nChannel 0: Cool.\n\nChannel 1: this stage.\n\nChannel 0: No. Absolutely. Well, I think I'd need to pass you back over to Billy. Not I think. I do.\n\nPop me\n\nChannel 1: Yep.\n\nChannel 0: back over to\n\nChannel 1: Yep.\n\nChannel 0: Billy just so he can schedule in the next time that we can talk, go through that advice space and go from there, and I'll get working on things for you tonight.\n\nChannel 1: Alright. Lovely. Thank you so much. Thanks\n\nChannel 0: No.\n\nChannel 1: for your time.\n\nChannel 0: Absolutely. Thank you.\n\nChannel 1: See you. Thanks,\n\nChannel 0: Bye.\n\nChannel 1: Larissa.\n\nChannel 0: No.\n\nChannel 1: Sweet. Hello again? Hi, mate. Cool. Alright.\n\nLet's get this booked in now. I'm having a look at the calendar.","paragraphs":[{"sentences":[{"text":"Good afternoon.","start":0.0,"end":2.74,"sentiment":"neutral","sentiment_score":0.2697647958993912}],"sentiment":"neutral","sentiment_score":0.2697647958993912,"channel":0,"num_words":2,"start":0.0,"end":2.74},{"sentences":[{"text":"Billy again.","start":4.08,"end":4.88,"sentiment":"neutral","sentiment_score":0.2374337688088417},{"text":"How are you?","start":4.88,"end":5.7,"sentiment":"neutral","sentiment_score":0.2781456808249156}],"sentiment":"neutral","sentiment_score":0.26186091601848605,"channel":1,"num_words":5,"start":4.08,"end":5.7},{"sentences":[{"text":"Great.","start":5.92,"end":6.3199997,"sentiment":"positive","sentiment_score":0.6305518746376038},{"text":"How are you doing?","start":6.3199997,"end":7.2999997,"sentiment":"positive","sentiment_score":0.3950578421354294}],"sentiment":"positive","sentiment_score":0.44215664863586424,"channel":0,"num_words":5,"start":5.92,"end":7.2999997},{"sentences":[{"text":"Very good.","start":7.8399997,"end":8.48,"sentiment":"positive","sentiment_score":0.5403406918048859},{"text":"Hey.","start":8.48,"end":8.98,"sentiment":"neutral","sentiment_score":0.1021471619606018},{"text":"Sorry to do this here.","start":9.2,"end":10.16,"sentiment":"neutral","sentiment_score":-0.04290514439344406},{"text":"This is the same situation as before.","start":10.16,"end":12.099999,"sentiment":"neutral","sentiment_score":-0.08876229716198784},{"text":"I've sent you, like, the old first line.","start":12.4,"end":14.4,"sentiment":"neutral","sentiment_score":-0.02343598729930818}],"sentiment":"neutral","sentiment_score":0.00693386282933795,"channel":1,"num_words":23,"start":7.8399997,"end":14.4},{"sentences":[{"text":"Everything's updated.","start":14.4,"end":15.44,"sentiment":"neutral","sentiment_score":0.02590047288686037},{"text":"His balance has actually gone down","start":15.44,"end":18.035,"sentiment":"neutral","sentiment_score":-0.07151260351141293}],"sentiment":"neutral","sentiment_score":-0.04715933441184461,"channel":1,"num_words":8,"start":14.4,"end":18.035},{"sentences":[{"text":"Yeah.","start":18.415,"end":18.655,"sentiment":"neutral","sentiment_score":0.03829668462276459},{"text":"Makes sense.","start":18.655,"end":19.395,"sentiment":"neutral","sentiment_score":0.04439968056976795}],"sentiment":"neutral","sentiment_score":0.042365348587433495,"channel":0,"num_words":3,"start":18.415,"end":19.395},{"sentences":[{"text":"since we did the research because he's invested really aggressively.","start":18.974998,"end":22.515,"sentiment":"neutral","sentiment_score":0.0175400722771883},{"text":"Did you get the email, by the way, or is it taken as just to send again?","start":23.775,"end":26.994999,"sentiment":"neutral","sentiment_score":-0.012349006473360694}],"sentiment":"neutral","sentiment_score":-0.001278977306490695,"channel":1,"num_words":27,"start":18.974998,"end":26.994999},{"sentences":[{"text":"I don't know.","start":27.23,"end":27.630001,"sentiment":"neutral","sentiment_score":-0.1206418772538503},{"text":"I'm not in my in emails yet.","start":27.630001,"end":29.41,"sentiment":"neutral","sentiment_score":-0.14778247901371547}],"sentiment":"neutral","sentiment_score":-0.13964029848575593,"channel":0,"num_words":10,"start":27.23,"end":29.41},{"sentences":[{"text":"Oh, sorry.","start":29.92,"end":31.44,"sentiment":"neutral","sentiment_score":-0.06254305690526962},{"text":"Sorry.","start":31.44,"end":31.94,"sentiment":"neutral","sentiment_score":-0.06820516288280487}],"sentiment":"neutral","sentiment_score":-0.06443042556444804,"channel":1,"num_words":3,"start":29.92,"end":31.94},{"sentences":[{"text":"No.","start":31.470001,"end":31.710001,"sentiment":"neutral","sentiment_score":-0.077100969851017},{"text":"You're okay.","start":31.710001,"end":32.45,"sentiment":"neutral","sentiment_score":-0.03905666247010231}],"sentiment":"neutral","sentiment_score":-0.05173809826374054,"channel":0,"num_words":3,"start":31.470001,"end":32.45},{"sentences":[{"text":"Anyways, he's a young boy.","start":32.48,"end":33.760002,"sentiment":"neutral","sentiment_score":0.00975852096453309},{"text":"He's born in 1993, so he's, you know, in his thirties.","start":33.760002,"end":36.24,"sentiment":"neutral","sentiment_score":0.017816683362153442},{"text":"He's got a 100,000 in his Australian super, 90% in international shares, and then five and five in high growth and Aussie shares.","start":36.24,"end":44.34,"sentiment":"neutral","sentiment_score":-0.0015221061589925187},{"text":"Canceled all of his insurances because he is fit and healthy in his in his words.","start":46.725,"end":52.105,"sentiment":"neutral","sentiment_score":-0.14782511303201318},{"text":"Not interested in having anyone as a beneficiary either.","start":53.125,"end":56.825,"sentiment":"neutral","sentiment_score":-0.26548224853144753}],"sentiment":"neutral","sentiment_score":-0.07101209945540177,"channel":1,"num_words":64,"start":32.48,"end":56.825},{"sentences":[{"text":"So he's pretty he's pretty switched on this bloke, and he's","start":57.09,"end":61.489998,"sentiment":"neutral","sentiment_score":-0.06281331181526184}],"sentiment":"neutral","sentiment_score":-0.06281331181526184,"channel":1,"num_words":11,"start":57.09,"end":61.489998},{"sentences":[{"text":"Okay.","start":61.18,"end":61.68,"sentiment":"neutral","sentiment_score":0.03015519306063652}],"sentiment":"neutral","sentiment_score":0.03015519306063652,"channel":0,"num_words":1,"start":61.18,"end":61.68},{"sentences":[{"text":"he's come out as a high growth investor.","start":61.489998,"end":63.589996,"sentiment":"neutral","sentiment_score":0.054027598816901445},{"text":"He's a site supervisor, so he's a trader.","start":64.61,"end":66.53,"sentiment":"neutral","sentiment_score":0.039465121226385236},{"text":"He makes a $130 a year, and he's one of those guys.","start":66.53,"end":69.105,"sentiment":"neutral","sentiment_score":0.030083566283186276},{"text":"It looks like he's got half $1,000,000 in mortgage debts, property worth about $7.50.","start":69.90501,"end":76.325005,"sentiment":"neutral","sentiment_score":0.0185743773223034}],"sentiment":"neutral","sentiment_score":0.03259490091087563,"channel":1,"num_words":42,"start":61.489998,"end":76.325005},{"sentences":[{"text":"Mobius is 507 city in value.","start":77.89,"end":81.19,"sentiment":"neutral","sentiment_score":0.033814720809459686}],"sentiment":"neutral","sentiment_score":0.033814720809459686,"channel":0,"num_words":6,"start":77.89,"end":81.19},{"sentences":[{"text":"Cool.","start":81.745,"end":82.065,"sentiment":"neutral","sentiment_score":0.08977286517620087},{"text":"Yep.","start":82.065,"end":82.565,"sentiment":"neutral","sentiment_score":0.04791015386581421}],"sentiment":"neutral","sentiment_score":0.06884150952100754,"channel":1,"num_words":2,"start":81.745,"end":82.565},{"sentences":[{"text":"What's his name?","start":83.17,"end":84.229996,"sentiment":"neutral","sentiment_score":0.021829254925251007}],"sentiment":"neutral","sentiment_score":0.021829254925251007,"channel":0,"num_words":3,"start":83.17,"end":84.229996},{"sentences":[{"text":"Oh, Jake.","start":86.17,"end":86.91,"sentiment":"neutral","sentiment_score":0.011432506144046783},{"text":"Sorry.","start":87.450005,"end":87.950005,"sentiment":"neutral","sentiment_score":0.0025147050619125366}],"sentiment":"neutral","sentiment_score":0.008459905783335367,"channel":1,"num_words":3,"start":86.17,"end":87.950005},{"sentences":[{"text":"That's okay.","start":88.385,"end":89.025,"sentiment":"neutral","sentiment_score":0.03709954582154751},{"text":"As you said, it it came through anyway.","start":89.025,"end":90.385,"sentiment":"neutral","sentiment_score":0.023812624160200357},{"text":"So, Shigee,","start":90.385,"end":91.205,"sentiment":"neutral","sentiment_score":0.044977158308029175}],"sentiment":"neutral","sentiment_score":0.029554533461729687,"channel":0,"num_words":12,"start":88.385,"end":91.205},{"sentences":[{"text":"Oh, cool.","start":91.29,"end":92.03,"sentiment":"neutral","sentiment_score":0.10839951038360596}],"sentiment":"neutral","sentiment_score":0.10839951038360596,"channel":1,"num_words":2,"start":91.29,"end":92.03},{"sentences":[{"text":"let's go.","start":91.665,"end":92.565,"sentiment":"neutral","sentiment_score":0.09956977143883705}],"sentiment":"neutral","sentiment_score":0.09956977143883705,"channel":0,"num_words":2,"start":91.665,"end":92.565},{"sentences":[{"text":"Perfect.","start":92.090004,"end":92.590004,"sentiment":"neutral","sentiment_score":0.29542219638824463},{"text":"Easy.","start":93.21,"end":93.53,"sentiment":"neutral","sentiment_score":0.20561513304710388},{"text":"I'll patch him.","start":93.53,"end":94.43,"sentiment":"neutral","sentiment_score":0.08107840393980344},{"text":"Jake, you still there?","start":97.965,"end":99.185,"sentiment":"neutral","sentiment_score":0.019847227726131678},{"text":"Yeah.","start":99.245,"end":99.745,"sentiment":"neutral","sentiment_score":0.09677590429782867}],"sentiment":"neutral","sentiment_score":0.09204373564571142,"channel":1,"num_words":10,"start":92.090004,"end":99.745},{"sentences":[{"text":"Sweet.","start":100.284996,"end":100.765,"sentiment":"neutral","sentiment_score":0.1831858456134796},{"text":"I just got Larissa on the line.","start":100.765,"end":102.385,"sentiment":"neutral","sentiment_score":0.15296503475734166},{"text":"Look.","start":102.445,"end":102.604996,"sentiment":"neutral","sentiment_score":0.15652281045913696},{"text":"She's the adviser that'll be working on your plan for you.","start":102.604996,"end":104.925,"sentiment":"neutral","sentiment_score":0.23646797781640833},{"text":"So she's just gonna put her sort of go over the next steps with you, make sure everything's good on her end.","start":104.925,"end":108.845,"sentiment":"neutral","sentiment_score":0.3041373152624477}],"sentiment":"neutral","sentiment_score":0.2548245855030559,"channel":1,"num_words":42,"start":100.284996,"end":108.845},{"sentences":[{"text":"Just cross some t's and dot some i's.","start":108.845,"end":110.52,"sentiment":"neutral","sentiment_score":0.12872107978910208},{"text":"Can't take too long, man, and then I'll I'll quickly catch up with you after.","start":110.52,"end":113.799995,"sentiment":"neutral","sentiment_score":0.09349737465381622},{"text":"That's cool.","start":113.799995,"end":114.53999,"sentiment":"positive","sentiment_score":0.5833888947963715},{"text":"Yeah.","start":114.6,"end":114.84,"sentiment":"neutral","sentiment_score":0.22267843782901764},{"text":"No worries at 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moment each year.","start":711.69,"end":717.565,"sentiment":"neutral","sentiment_score":0.15611530877649785},{"text":"So I'm doing doing something right, but I don't expect it to go that way every year.","start":717.565,"end":720.925,"sentiment":"neutral","sentiment_score":-0.041532236206180906},{"text":"It could do the complete opposite.","start":720.925,"end":722.625,"sentiment":"neutral","sentiment_score":-0.17095458507537842},{"text":"So I'm fully understanding of that.","start":723.005,"end":725.105,"sentiment":"neutral","sentiment_score":-0.022072385375698406},{"text":"But, yeah, at the moment, my my shares are sort of going pretty good for me.","start":725.64496,"end":731.52997,"sentiment":"neutral","sentiment_score":-0.03652238310314715}],"sentiment":"neutral","sentiment_score":0.010365203194893324,"channel":1,"num_words":65,"start":711.69,"end":731.52997},{"sentences":[{"text":"So I'll just keep doing that, keep chipping away at 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fine.","start":1248.2999,"end":1248.96,"sentiment":"neutral","sentiment_score":0.24277839809656143}],"sentiment":"neutral","sentiment_score":0.11081020591350701,"channel":0,"num_words":13,"start":1246.38,"end":1248.96},{"sentences":[{"text":"Okay.","start":1249.6151,"end":1250.1151,"sentiment":"neutral","sentiment_score":0.13835465908050537}],"sentiment":"neutral","sentiment_score":0.13835465908050537,"channel":1,"num_words":1,"start":1249.6151,"end":1250.1151},{"sentences":[{"text":"Alright.","start":1249.82,"end":1250.32,"sentiment":"neutral","sentiment_score":0.04163367673754692},{"text":"So I guess moving forward in in respect to the investment side of things, I can see that you are heavily, I guess, more aggressively invested.","start":1250.38,"end":1260.905,"sentiment":"neutral","sentiment_score":0.10062788240611553},{"text":"You know,","start":1261.525,"end":1262.005,"sentiment":"neutral","sentiment_score":0.020291739143431187}],"sentiment":"neutral","sentiment_score":0.09305317577873838,"channel":0,"num_words":29,"start":1249.82,"end":1262.005},{"sentences":[{"text":"Yes.","start":1261.73,"end":1262.23,"sentiment":"neutral","sentiment_score":0.14515936374664307}],"sentiment":"neutral","sentiment_score":0.14515936374664307,"channel":1,"num_words":1,"start":1261.73,"end":1262.23},{"sentences":[{"text":"we're very heavy into our international shares, which is okay.","start":1262.005,"end":1265.285,"sentiment":"neutral","sentiment_score":0.16554179340600966},{"text":"Absolutely nothing wrong with that.","start":1265.285,"end":1266.745,"sentiment":"positive","sentiment_score":0.39409159719944},{"text":"I guess the biggest question I have for you is when it comes to risk taking with investments, because you do trade a little bit, and your individual stocks, there's an ETF in there, and you're very heavy in in your international shares, whether you are maybe more suited to go a little bit more aggressive with your investments.","start":1268.0851,"end":1290.825,"sentiment":"neutral","sentiment_score":-0.018396326924784708},{"text":"You came out as quite an aggressive investor when we did the investor risk profile questionnaire, which it is","start":1291.445,"end":1296.085,"sentiment":"neutral","sentiment_score":0.18030894194778643}],"sentiment":"neutral","sentiment_score":0.06415443579035421,"channel":0,"num_words":93,"start":1262.005,"end":1296.085},{"sentences":[{"text":"Yep.","start":1295.9501,"end":1296.4501,"sentiment":"neutral","sentiment_score":0.23090744018554688}],"sentiment":"neutral","sentiment_score":0.23090744018554688,"channel":1,"num_words":1,"start":1295.9501,"end":1296.4501},{"sentences":[{"text":"just a tool.","start":1296.085,"end":1296.725,"sentiment":"neutral","sentiment_score":0.2238418161869049},{"text":"The whole point of that tool is to gauge where you sit in a risk 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me was that you are to the 90, a 100% kind of bracket as a as a risk taker.","start":1320.745,"end":1329.12,"sentiment":"neutral","sentiment_score":0.10810679352531831},{"text":"Now, realistically,","start":1329.34,"end":1330.24,"sentiment":"neutral","sentiment_score":0.11145497113466263}],"sentiment":"neutral","sentiment_score":0.10836434564911403,"channel":0,"num_words":26,"start":1320.745,"end":1330.24},{"sentences":[{"text":"Yep.","start":1330.11,"end":1330.61,"sentiment":"neutral","sentiment_score":0.10220508277416228}],"sentiment":"neutral","sentiment_score":0.10220508277416228,"channel":1,"num_words":1,"start":1330.11,"end":1330.61},{"sentences":[{"text":"risk breaks down further than that because then we have our stocks and shares that, you know, are better regulated, maybe blue chip, have been around for longer, have risk ratings like the alpha and the beta, which is how they perform against the benchmark.","start":1330.7,"end":1346.9651,"sentiment":"neutral","sentiment_score":0.08896625522110198}],"sentiment":"neutral","sentiment_score":0.08896625522110198,"channel":0,"num_words":45,"start":1330.7,"end":1346.9651},{"sentences":[{"text":"Yep.","start":1348.08,"end":1348.58,"sentiment":"neutral","sentiment_score":0.12621521949768066}],"sentiment":"neutral","sentiment_score":0.12621521949768066,"channel":1,"num_words":1,"start":1348.08,"end":1348.58},{"sentences":[{"text":"And then you obviously have, you know, on the reverse things where you've got your higher risk stocks, your emerging companies, you've got, you know, potential asset managers that are fairly new to the market, haven't, you know, been in the game for as long, stuff like that.","start":1348.305,"end":1364.77,"sentiment":"neutral","sentiment_score":0.00883455954802533}],"sentiment":"neutral","sentiment_score":0.00883455954802533,"channel":0,"num_words":48,"start":1348.305,"end":1364.77},{"sentences":[{"text":"Yep.","start":1365.155,"end":1365.655,"sentiment":"neutral","sentiment_score":0.15439699590206146}],"sentiment":"neutral","sentiment_score":0.15439699590206146,"channel":1,"num_words":1,"start":1365.155,"end":1365.655},{"sentences":[{"text":"Now we look at two different avenues of of investing.","start":1365.3099,"end":1371.01,"sentiment":"neutral","sentiment_score":0.1602601669728756},{"text":"There's, you know, your ETFs, which are obviously your lower cost assets that 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more expensive, but the whole point is to try and outpace the market, or it's on the negative or the positive depending on what they're obviously trying to achieve.","start":1384.34,"end":1397.0,"sentiment":"neutral","sentiment_score":0.004948093397718556},{"text":"As","start":1398.355,"end":1398.515,"sentiment":"neutral","sentiment_score":0.003921955823898315}],"sentiment":"neutral","sentiment_score":0.03571521515832908,"channel":0,"num_words":67,"start":1380.455,"end":1398.515},{"sentences":[{"text":"Mhmm.","start":1398.4149,"end":1398.9149,"sentiment":"neutral","sentiment_score":0.03402077406644821}],"sentiment":"neutral","sentiment_score":0.03402077406644821,"channel":1,"num_words":1,"start":1398.4149,"end":1398.9149},{"sentences":[{"text":"an investor type, which side of that coin do you kind of feel you fall 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the","start":1405.9401,"end":1406.6,"sentiment":"neutral","sentiment_score":0.06022315472364426}],"sentiment":"neutral","sentiment_score":0.06022315472364426,"channel":1,"num_words":2,"start":1405.9401,"end":1406.6},{"sentences":[{"text":"Like,","start":1407.715,"end":1408.215,"sentiment":"neutral","sentiment_score":0.09048046171665192}],"sentiment":"neutral","sentiment_score":0.09048046171665192,"channel":0,"num_words":1,"start":1407.715,"end":1408.215},{"sentences":[{"text":"aggressive","start":1408.02,"end":1408.52,"sentiment":"neutral","sentiment_score":0.17012593150138855}],"sentiment":"neutral","sentiment_score":0.17012593150138855,"channel":1,"num_words":1,"start":1408.02,"end":1408.52},{"sentences":[{"text":"ETF.","start":1408.275,"end":1408.775,"sentiment":"neutral","sentiment_score":0.07799199223518372}],"sentiment":"neutral","sentiment_score":0.07799199223518372,"channel":0,"num_words":1,"start":1408.275,"end":1408.775},{"sentences":[{"text":"side 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heavily interested in, I don't know, researching, like, pharmaceuticals, for example.","start":1422.785,"end":1430.13,"sentiment":"neutral","sentiment_score":-0.04496588627807796}],"sentiment":"neutral","sentiment_score":0.13483455555979162,"channel":1,"num_words":32,"start":1416.385,"end":1430.13},{"sentences":[{"text":"So I would just throw, like, some money into a pharmaceutical ETF just so I have a","start":1430.13,"end":1434.45,"sentiment":"neutral","sentiment_score":0.1305231636061388}],"sentiment":"neutral","sentiment_score":0.1305231636061388,"channel":1,"num_words":17,"start":1430.13,"end":1434.45},{"sentences":[{"text":"Yep.","start":1434.4451,"end":1434.84,"sentiment":"neutral","sentiment_score":0.11529353260993958}],"sentiment":"neutral","sentiment_score":0.11529353260993958,"channel":0,"num_words":1,"start":1434.4451,"end":1434.84},{"sentences":[{"text":"bit of exposure to that side of the market.","start":1434.45,"end":1436.29,"sentiment":"neutral","sentiment_score":0.06405109167098999},{"text":"But then,","start":1436.29,"end":1437.01,"sentiment":"neutral","sentiment_score":0.07246123999357224}],"sentiment":"neutral","sentiment_score":0.06558020954782312,"channel":1,"num_words":11,"start":1434.45,"end":1437.01},{"sentences":[{"text":"Yep.","start":1436.76,"end":1437.26,"sentiment":"neutral","sentiment_score":0.09685902297496796}],"sentiment":"neutral","sentiment_score":0.09685902297496796,"channel":0,"num_words":1,"start":1436.76,"end":1437.26},{"sentences":[{"text":"I don't know, where I'm a bit more interested in, like, tech stocks or something like that.","start":1437.01,"end":1441.17,"sentiment":"neutral","sentiment_score":-0.01712085657259997},{"text":"I would probably invest in, like, individual ones just based on what I, you know, think is, you know, potentially going to do well or what, you know, what the next innovative, you know, design or tech might be that, you know, I just kind of yeah.","start":1441.17,"end":1454.125,"sentiment":"neutral","sentiment_score":0.14047644390387737},{"text":"I would feel in that sense, but I guess yeah.","start":1454.125,"end":1457.48,"sentiment":"neutral","sentiment_score":0.09583353996276855},{"text":"So I had obviously, you guys doing it for me.","start":1457.48,"end":1460.2201,"sentiment":"neutral","sentiment_score":0.28980873376131056},{"text":"I would be still happy to do individual stocks in a sense.","start":1460.4401,"end":1465.42,"sentiment":"positive","sentiment_score":0.42602356523275375}],"sentiment":"neutral","sentiment_score":0.15916712314356118,"channel":1,"num_words":96,"start":1437.01,"end":1465.42},{"sentences":[{"text":"ETFs, I know some, you know, ETFs and the companies that control them might charge higher fees, whereas you could essentially create your own ETF in individual stocks that, you know, may not charge any 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yeah, definitely possible within a superannuation fund, 100%.","start":1565.27,"end":1569.03,"sentiment":"positive","sentiment_score":0.3862154616249932},{"text":"Not saying it's not, but probably a small percentage of the overall thumb, not something that you would have, like, just individual stocks the whole way through because the trading cost on that would be astronomical.","start":1569.03,"end":1582.055,"sentiment":"neutral","sentiment_score":-0.008340501399490878},{"text":"The 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quick.","start":1584.23,"end":1586.57,"sentiment":"positive","sentiment_score":0.44829616802079336}],"sentiment":"positive","sentiment_score":0.44829616802079336,"channel":0,"num_words":7,"start":1584.23,"end":1586.57},{"sentences":[{"text":"Yep.","start":1587.005,"end":1587.505,"sentiment":"neutral","sentiment_score":0.2905313968658447}],"sentiment":"neutral","sentiment_score":0.2905313968658447,"channel":1,"num_words":1,"start":1587.005,"end":1587.505},{"sentences":[{"text":"Versus your ETF, it diversifies things out, allows you to, you know, be in, say, 10 to 30 different stock options within that fund.","start":1587.6699,"end":1595.21,"sentiment":"neutral","sentiment_score":0.2656814344227314},{"text":"You're not paying for a a purchase cost and you buy, sell much much more reduced.","start":1595.855,"end":1601.555,"sentiment":"neutral","sentiment_score":0.23311361856758595},{"text":"However, you obviously","start":1602.015,"end":1602.975,"sentiment":"neutral","sentiment_score":0.03213729833563169}],"sentiment":"neutral","sentiment_score":0.2372694004240424,"channel":0,"num_words":43,"start":1587.6699,"end":1602.975},{"sentences":[{"text":"Mhmm.","start":1602.67,"end":1603.17,"sentiment":"neutral","sentiment_score":0.0015052827075123787}],"sentiment":"neutral","sentiment_score":0.0015052827075123787,"channel":1,"num_words":1,"start":1602.67,"end":1603.17},{"sentences":[{"text":"have your what's called a a MER or a management fee that's incorporated within that ETF or a managed fund, so on and so forth.","start":1602.975,"end":1612.99,"sentiment":"neutral","sentiment_score":0.03876717574894428},{"text":"They they all do have their fees, obviously, whereas your individual stocks don't.","start":1612.99,"end":1616.77,"sentiment":"neutral","sentiment_score":-0.042390608157102876}],"sentiment":"neutral","sentiment_score":0.011002670728454464,"channel":0,"num_words":38,"start":1602.975,"end":1616.77},{"sentences":[{"text":"Yep.","start":1617.455,"end":1617.955,"sentiment":"positive","sentiment_score":0.34468039870262146}],"sentiment":"positive","sentiment_score":0.34468039870262146,"channel":1,"num_words":1,"start":1617.455,"end":1617.955},{"sentences":[{"text":"I can definitely look at ETFs to begin with.","start":1618.9099,"end":1622.985,"sentiment":"positive","sentiment_score":0.4859400950372219},{"text":"And then, obviously, as the relationship builds, as we work together moving forward, we can look at incorporating stocks in areas that you're interested in, in areas that you wanna include those stock options in things that, you know, you're purchasing personally, if you wanna incorporate them into your superannuation fund, it's something we can definitely look at as well.","start":1622.985,"end":1640.4,"sentiment":"neutral","sentiment_score":0.27209967548648517},{"text":"Not something","start":1640.62,"end":1641.1,"sentiment":"neutral","sentiment_score":0.003754405304789543}],"sentiment":"neutral","sentiment_score":0.2916471858469533,"channel":0,"num_words":71,"start":1618.9099,"end":1641.1},{"sentences":[{"text":"Yep.","start":1640.985,"end":1641.485,"sentiment":"neutral","sentiment_score":0.013050524517893791}],"sentiment":"neutral","sentiment_score":0.013050524517893791,"channel":1,"num_words":1,"start":1640.985,"end":1641.485},{"sentences":[{"text":"I generally start off with in a relationship to begin with, purely and simply because individual stocks are very, very personalized opinion based, I guess, 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perspective.","start":1659.225,"end":1670.4601,"sentiment":"neutral","sentiment_score":0.15721838339231908},{"text":"I I would research where you're currently at, you know, being everything that's sitting within your Australian super, how it's gone, how it's performed, the asset split between the three classes that you currently have.","start":1672.6001,"end":1688.4249,"sentiment":"neutral","sentiment_score":0.1255603660430227},{"text":"And then I would look at other options that are available in the market to a heavier investment, like, you know, to allocate you within the risk profile that you're invested.","start":1689.365,"end":1698.53,"sentiment":"neutral","sentiment_score":0.0601702319277871},{"text":"One of the things I did wanna, I guess, find out was whether you know what leveraged or gearing geared investments are.","start":1699.71,"end":1707.65,"sentiment":"neutral","sentiment_score":0.04018856669691476}],"sentiment":"neutral","sentiment_score":0.10669188432453215,"channel":0,"num_words":129,"start":1656.105,"end":1707.65},{"sentences":[{"text":"Yep.","start":1710.155,"end":1710.635,"sentiment":"neutral","sentiment_score":0.07183758169412613},{"text":"I see.","start":1710.635,"end":1711.675,"sentiment":"neutral","sentiment_score":0.0593823678791523},{"text":"I have a a small understanding.","start":1711.675,"end":1713.295,"sentiment":"neutral","sentiment_score":0.047180640821655594},{"text":"I've got a three times leveraged ETF fund that I'm in at the moment.","start":1713.5951,"end":1720.1799,"sentiment":"neutral","sentiment_score":0.051620086921112876},{"text":"I understand it's somewhat more riskier, but, obviously, yeah, could 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them","start":1750.5599,"end":1756.58,"sentiment":"neutral","sentiment_score":0.028970448886630713}],"sentiment":"neutral","sentiment_score":0.06092219752427496,"channel":0,"num_words":61,"start":1741.0249,"end":1756.58},{"sentences":[{"text":"Yep.","start":1756.3099,"end":1756.8099,"sentiment":"neutral","sentiment_score":0.056672047823667526}],"sentiment":"neutral","sentiment_score":0.056672047823667526,"channel":1,"num_words":1,"start":1756.3099,"end":1756.8099},{"sentences":[{"text":"the interest that that you've incurred.","start":1757.3151,"end":1759.255,"sentiment":"neutral","sentiment_score":0.022674226046850283},{"text":"If you've made money, happy days, you get the earnings, they get the principal and the interest.","start":1759.955,"end":1764.535,"sentiment":"positive","sentiment_score":0.5319714458549724}],"sentiment":"positive","sentiment_score":0.3991113015572014,"channel":0,"num_words":23,"start":1757.3151,"end":1764.535},{"sentences":[{"text":"Mhmm.","start":1765.455,"end":1765.955,"sentiment":"neutral","sentiment_score":-0.12326474487781525}],"sentiment":"neutral","sentiment_score":-0.12326474487781525,"channel":1,"num_words":1,"start":1765.455,"end":1765.955},{"sentences":[{"text":"If you've lost money, therein lies the risk.","start":1765.635,"end":1768.135,"sentiment":"negative","sentiment_score":-0.5265436246991158}],"sentiment":"negative","sentiment_score":-0.5265436246991158,"channel":0,"num_words":8,"start":1765.635,"end":1768.135},{"sentences":[{"text":"Yep.","start":1769.26,"end":1769.76,"sentiment":"neutral","sentiment_score":-0.0007789781084284186}],"sentiment":"neutral","sentiment_score":-0.0007789781084284186,"channel":1,"num_words":1,"start":1769.26,"end":1769.76},{"sentences":[{"text":"The other option is to go into it's just like what you have, like a leveraged or geared fund or ETF, where they basically internally borrow the money and you and they invested on the market.","start":1769.73,"end":1782.71,"sentiment":"neutral","sentiment_score":0.0979396788817313},{"text":"Same sort of thing, but it happens interfund.","start":1783.105,"end":1785.445,"sentiment":"neutral","sentiment_score":0.10599407833069563},{"text":"The risk is less with you.","start":1785.745,"end":1787.1849,"sentiment":"neutral","sentiment_score":-0.05664388214548429},{"text":"So, for example, say, if you were to","start":1787.1849,"end":1788.7849,"sentiment":"neutral","sentiment_score":0.0049895234405994415}],"sentiment":"neutral","sentiment_score":0.07023851656965141,"channel":0,"num_words":58,"start":1769.73,"end":1788.7849},{"sentences":[{"text":"Okay.","start":1788.635,"end":1789.135,"sentiment":"neutral","sentiment_score":-0.04007936269044876}],"sentiment":"neutral","sentiment_score":-0.04007936269044876,"channel":1,"num_words":1,"start":1788.635,"end":1789.135},{"sentences":[{"text":"lose a 100% of the money that you've invested, you've lost a 100%.","start":1788.7849,"end":1793.105,"sentiment":"neutral","sentiment_score":-0.05274310536109484},{"text":"You still don't owe anything on top of 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doing?","start":1803.64,"end":1820.645,"sentiment":"neutral","sentiment_score":0.2429268835319413}],"sentiment":"neutral","sentiment_score":0.24023190966766814,"channel":0,"num_words":46,"start":1802.3601,"end":1820.645},{"sentences":[{"text":"Yeah.","start":1822.485,"end":1822.885,"sentiment":"neutral","sentiment_score":0.11050722748041152},{"text":"I'd I'd be yeah.","start":1822.885,"end":1825.6901,"sentiment":"neutral","sentiment_score":0.00496759032830596},{"text":"I'd probably tread cautiously for the first, yeah, couple of years, I suppose.","start":1825.6901,"end":1831.4501,"sentiment":"neutral","sentiment_score":-0.04040172524177111},{"text":"Maybe 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I'm dealing with or whatever.","start":1844.765,"end":1846.8451,"sentiment":"neutral","sentiment_score":0.012476869755321078},{"text":"Yeah.","start":1846.8451,"end":1847.2451,"sentiment":"neutral","sentiment_score":0.14514368772506714},{"text":"No.","start":1847.2451,"end":1847.645,"sentiment":"neutral","sentiment_score":0.02050616592168808},{"text":"Definitely more than more than open to try new things a couple of years down the track.","start":1847.645,"end":1851.54,"sentiment":"neutral","sentiment_score":0.3125283472678241}],"sentiment":"neutral","sentiment_score":0.19967584232134478,"channel":1,"num_words":28,"start":1844.765,"end":1851.54},{"sentences":[{"text":"Absolutely.","start":1852.3201,"end":1852.8201,"sentiment":"positive","sentiment_score":0.5784794092178345},{"text":"And, realistically, working with an adviser, it does work to that capacity.","start":1853.12,"end":1856.74,"sentiment":"positive","sentiment_score":0.4435407395164172},{"text":"Sometimes we look at things right now, and sometimes, you know, a conversation we're having right now could be something that we execute in two, three, five years' time.","start":1857.2001,"end":1864.145,"sentiment":"neutral","sentiment_score":0.2034195353244913},{"text":"You know, you mentioned kids and a wife.","start":1865.485,"end":1867.5851,"sentiment":"neutral","sentiment_score":0.12531554885208607},{"text":"Obviously, not something for the immediate, but, you know, it's something that you have in your life as a as a life goal for yourself and something that we, you know, can incorporate into everything down the future, you know, whether it's investments for the kids to put money away ready for them to buy a house or buy a car.","start":1868.2051,"end":1886.6901,"sentiment":"neutral","sentiment_score":0.3269364369697258}],"sentiment":"neutral","sentiment_score":0.29500704372788333,"channel":0,"num_words":111,"start":1852.3201,"end":1886.6901},{"sentences":[{"text":"It's 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is","start":1898.855,"end":1899.975,"sentiment":"neutral","sentiment_score":0.23824088275432587}],"sentiment":"positive","sentiment_score":0.37970200677712757,"channel":0,"num_words":27,"start":1892.055,"end":1899.975},{"sentences":[{"text":"Uh-huh.","start":1899.8251,"end":1900.3251,"sentiment":"neutral","sentiment_score":0.2161556780338287}],"sentiment":"neutral","sentiment_score":0.2161556780338287,"channel":1,"num_words":1,"start":1899.8251,"end":1900.3251},{"sentences":[{"text":"I take everything away, I research everything, and then I put together a statement of advice.","start":1899.975,"end":1904.715,"sentiment":"neutral","sentiment_score":0.2195833409205079},{"text":"So it's a","start":1905.175,"end":1905.995,"sentiment":"positive","sentiment_score":0.35281668106714886}],"sentiment":"neutral","sentiment_score":0.24062018410155647,"channel":0,"num_words":19,"start":1899.975,"end":1905.995},{"sentences":[{"text":"Mhmm.","start":1906.0599,"end":1906.5599,"sentiment":"positive","sentiment_score":0.3843807876110077}],"sentiment":"positive","sentiment_score":0.3843807876110077,"channel":1,"num_words":1,"start":1906.0599,"end":1906.5599},{"sentences":[{"text":"big glorious document that I will present to you and we'll go through from there.","start":1906.3099,"end":1911.29,"sentiment":"positive","sentiment_score":0.5324144919713338},{"text":"But I","start":1911.75,"end":1911.99,"sentiment":"neutral","sentiment_score":0.11565667390823364}],"sentiment":"positive","sentiment_score":0.4833841604344985,"channel":0,"num_words":17,"start":1906.3099,"end":1911.99},{"sentences":[{"text":"Okay.","start":1911.8999,"end":1912.3999,"sentiment":"neutral","sentiment_score":0.11168310046195984}],"sentiment":"neutral","sentiment_score":0.11168310046195984,"channel":1,"num_words":1,"start":1911.8999,"end":1912.3999},{"sentences":[{"text":"guess before I leave you to the night, is there anything that you may wanna know from 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and why we do what we do is because we want to put our money where our mouth is realistically and, you know, work with you long term and help you out to get to where you wanna go.","start":2103.605,"end":2117.545,"sentiment":"positive","sentiment_score":0.43292633600013203}],"sentiment":"positive","sentiment_score":0.43292633600013203,"channel":0,"num_words":43,"start":2103.605,"end":2117.545},{"sentences":[{"text":"Yep.","start":2118.675,"end":2119.175,"sentiment":"neutral","sentiment_score":0.2669023871421814},{"text":"Okay.","start":2119.315,"end":2119.815,"sentiment":"positive","sentiment_score":0.4033801853656769},{"text":"Oh, that's great.","start":2119.875,"end":2120.855,"sentiment":"positive","sentiment_score":0.7347301244735718},{"text":"Well, I certainly look forward to it.","start":2121.075,"end":2122.835,"sentiment":"positive","sentiment_score":0.7804781453950065},{"text":"That's for 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stage.","start":2127.34,"end":2128.08,"sentiment":"neutral","sentiment_score":0.12182161584496498}],"sentiment":"neutral","sentiment_score":0.12182161584496498,"channel":1,"num_words":2,"start":2127.34,"end":2128.08},{"sentences":[{"text":"No.","start":2128.66,"end":2128.98,"sentiment":"neutral","sentiment_score":-0.037056002765893936},{"text":"Absolutely.","start":2128.98,"end":2129.48,"sentiment":"neutral","sentiment_score":0.1078946888446808},{"text":"Well, I think I'd need to pass you back over to Billy.","start":2130.26,"end":2132.875,"sentiment":"neutral","sentiment_score":-0.02857465824733178},{"text":"Not I think.","start":2132.875,"end":2133.515,"sentiment":"neutral","sentiment_score":-0.10764775425195694},{"text":"I do.","start":2133.515,"end":2134.255,"sentiment":"neutral","sentiment_score":-0.004027858376502991}],"sentiment":"neutral","sentiment_score":-0.03173979959989849,"channel":0,"num_words":19,"start":2128.66,"end":2134.255},{"sentences":[{"text":"Pop me","start":2134.795,"end":2135.115,"sentiment":"neutral","sentiment_score":0.037327706813812256}],"sentiment":"neutral","sentiment_score":0.037327706813812256,"channel":0,"num_words":2,"start":2134.795,"end":2135.115},{"sentences":[{"text":"Yep.","start":2135.02,"end":2135.52,"sentiment":"neutral","sentiment_score":0.043376050889492035}],"sentiment":"neutral","sentiment_score":0.043376050889492035,"channel":1,"num_words":1,"start":2135.02,"end":2135.52},{"sentences":[{"text":"back over to","start":2135.115,"end":2135.755,"sentiment":"neutral","sentiment_score":0.05119419222076734}],"sentiment":"neutral","sentiment_score":0.05119419222076734,"channel":0,"num_words":3,"start":2135.115,"end":2135.755},{"sentences":[{"text":"Yep.","start":2135.74,"end":2136.24,"sentiment":"neutral","sentiment_score":0.057847991585731506}],"sentiment":"neutral","sentiment_score":0.057847991585731506,"channel":1,"num_words":1,"start":2135.74,"end":2136.24},{"sentences":[{"text":"Billy just so he can schedule in the next time that we can talk, go through that advice space and go from there, and I'll get working on things for you tonight.","start":2135.755,"end":2144.7349,"sentiment":"neutral","sentiment_score":0.19910924276337028}],"sentiment":"neutral","sentiment_score":0.19910924276337028,"channel":0,"num_words":32,"start":2135.755,"end":2144.7349},{"sentences":[{"text":"Alright.","start":2145.205,"end":2145.685,"sentiment":"positive","sentiment_score":0.4882997274398804},{"text":"Lovely.","start":2145.685,"end":2146.185,"sentiment":"positive","sentiment_score":0.7648006081581116},{"text":"Thank you so much.","start":2146.245,"end":2147.205,"sentiment":"positive","sentiment_score":0.7774507105350494},{"text":"Thanks","start":2147.205,"end":2147.5251,"sentiment":"neutral","sentiment_score":0.30971431732177734}],"sentiment":"positive","sentiment_score":0.6675167850085667,"channel":1,"num_words":7,"start":2145.205,"end":2147.5251},{"sentences":[{"text":"No.","start":2147.45,"end":2147.95,"sentiment":"neutral","sentiment_score":0.1251388043165207}],"sentiment":"neutral","sentiment_score":0.1251388043165207,"channel":0,"num_words":1,"start":2147.45,"end":2147.95},{"sentences":[{"text":"for your time.","start":2147.5251,"end":2148.3452,"sentiment":"positive","sentiment_score":0.37923752268155414}],"sentiment":"positive","sentiment_score":0.37923752268155414,"channel":1,"num_words":3,"start":2147.5251,"end":2148.3452},{"sentences":[{"text":"Absolutely.","start":2148.41,"end":2148.91,"sentiment":"positive","sentiment_score":0.4562348127365112},{"text":"Thank you.","start":2149.05,"end":2149.71,"sentiment":"positive","sentiment_score":0.6115332543849945}],"sentiment":"positive","sentiment_score":0.5597671071688334,"channel":0,"num_words":3,"start":2148.41,"end":2149.71},{"sentences":[{"text":"See you.","start":2150.645,"end":2151.3052,"sentiment":"positive","sentiment_score":0.46274761855602264},{"text":"Thanks,","start":2151.761,"end":2152.0808,"sentiment":"positive","sentiment_score":0.4418320655822754}],"sentiment":"positive","sentiment_score":0.45577576756477356,"channel":1,"num_words":3,"start":2150.645,"end":2152.0808},{"sentences":[{"text":"Bye.","start":2152.0308,"end":2152.5308,"sentiment":"positive","sentiment_score":0.3620649576187134}],"sentiment":"positive","sentiment_score":0.3620649576187134,"channel":0,"num_words":1,"start":2152.0308,"end":2152.5308},{"sentences":[{"text":"Larissa.","start":2152.0808,"end":2152.5808,"sentiment":"neutral","sentiment_score":0.19940531253814697}],"sentiment":"neutral","sentiment_score":0.19940531253814697,"channel":1,"num_words":1,"start":2152.0808,"end":2152.5808},{"sentences":[{"text":"No.","start":2153.5508,"end":2154.0508,"sentiment":"neutral","sentiment_score":0.03121854737401009}],"sentiment":"neutral","sentiment_score":0.03121854737401009,"channel":0,"num_words":1,"start":2153.5508,"end":2154.0508},{"sentences":[{"text":"Sweet.","start":2154.161,"end":2154.481,"sentiment":"neutral","sentiment_score":0.3091588616371155},{"text":"Hello again?","start":2154.481,"end":2155.221,"sentiment":"neutral","sentiment_score":0.1718030571937561},{"text":"Hi, mate.","start":2155.3608,"end":2156.1008,"sentiment":"neutral","sentiment_score":0.3287319093942642},{"text":"Cool.","start":2156.481,"end":2156.721,"sentiment":"positive","sentiment_score":0.48565030097961426},{"text":"Alright.","start":2156.721,"end":2157.041,"sentiment":"positive","sentiment_score":0.3390747010707855}],"sentiment":"neutral","sentiment_score":0.30499339955193655,"channel":1,"num_words":7,"start":2154.161,"end":2157.041},{"sentences":[{"text":"Let's get this booked in now.","start":2157.041,"end":2158.481,"sentiment":"positive","sentiment_score":0.396099920074145},{"text":"I'm having a look at the calendar.","start":2158.481,"end":2159.941,"sentiment":"neutral","sentiment_score":0.20549913282905305}],"sentiment":"neutral","sentiment_score":0.2934687269421724,"channel":1,"num_words":13,"start":2157.041,"end":2159.941}]},"summary":{"result":"success","short":"In this conversation, a financial planner and a speaker discuss retirement plans and personal wealth building for the customer. They emphasize the importance of personal wealth building and accessing retirement funds, and emphasize the benefits of working in construction. The speaker emphasizes the importance of maintaining liquidity and researching investment portfolios before making a decision. They also discuss the possibility of investing in leverage capacity and the risks associated with each strategy. The conversation ends with a follow-up meeting to discuss advisers' feedback."},"intents":{"segments":[{"text":"His balance has actually gone down Yeah.","start_word":37,"end_word":43,"intents":[{"intent":"Update balance","confidence_score":0.31063646},{"intent":"Update balance and research","confidence_score":0.017105041}]},{"text":"Did you get the email, by the way, or is it taken as just to send again?","start_word":56,"end_word":72,"intents":[{"intent":"Send email","confidence_score":0.3960734},{"intent":"Send email","confidence_score":0.018958108}]},{"text":"What's his name? Oh, Jake.","start_word":215,"end_word":219,"intents":[{"intent":"Change speaker's name","confidence_score":0.000053183358}]},{"text":"I'll patch him. Jake, you still there?","start_word":239,"end_word":245,"intents":[{"intent":"Patch shigee","confidence_score":0.2271063}]},{"text":"I just got Larissa on the line. Look. She's the adviser that'll be working on your plan for you. So she's just gonna put her sort of go over the next steps with you, make sure everything's good on her end. Just cross some t's and dot some i's.","start_word":248,"end_word":296,"intents":[{"intent":"Confirm plan","confidence_score":0.0022008165}]},{"text":"So she's just gonna put her sort of go over the next steps with you, make sure everything's good on her end. Just cross some t's and dot some i's. Can't take too long, man, and then I'll I'll quickly catch up with you after.","start_word":267,"end_word":311,"intents":[{"intent":"Prepare for next steps","confidence_score":0.0048866854}]},{"text":"Now one of the biggest things that I work with is goal based advice, and the reason we do it that way is because everyone's individual and everyone's goals are different.","start_word":605,"end_word":635,"intents":[{"intent":"Clarify purpose","confidence_score":0.014271623}]},{"text":"set myself up essentially to hopefully retire early early than 60, earlier Yep.","start_word":700,"end_word":712,"intents":[{"intent":"Set up retirement early","confidence_score":0.2302733},{"intent":"Assure retirement readiness","confidence_score":0.00033615768}]},{"text":"And then by the time I do get to access these funds, you know, access my super at an older age.","start_word":768,"end_word":788,"intents":[{"intent":"Access funds and funds","confidence_score":0.007075956}]},{"text":"The fact that you are, a, willing to engage and look at things now is an absolute testament and benefit to yourself because talking to you in twenty years' time is a very it's a much different conversation. Yeah. Hopefully.","start_word":916,"end_word":955,"intents":[{"intent":"Engage in financial planning","confidence_score":0.0036152746}]},{"text":"So a conversation today means that we can take those steps to set you up with avenues for personal wealth building as well as growth through your superannuation fund and other avenues like that.","start_word":956,"end_word":989,"intents":[{"intent":"Set up personal wealth building and growth","confidence_score":0.05820258}]},{"text":"Rather than, you know, in twenty years' time when we are, you know, in our mid fifties, it's sometimes past time where we can take some of those riskier steps.","start_word":990,"end_word":1019,"intents":[{"intent":"Consider taking risky steps","confidence_score":0.003600283}]},{"text":"Age 60 is when you can retire and access your superannuation. A lot Yep. of people confuse 65 and 67, but 60 is when you can access your superannuation currently under legislation. Mhmm.","start_word":1058,"end_word":1090,"intents":[{"intent":"Clarify retirement terms","confidence_score":0.000039083014}]},{"text":"67, which is what a lot of people get hung up on, is that pension age. You don't care about that age, and we're not even gonna talk about that age.","start_word":1175,"end_word":1205,"intents":[{"intent":"Explain retirement age","confidence_score":0.013972038}]},{"text":"67, which is what a lot of people get hung up on, is that pension age. You don't care about that age, and we're not even gonna talk about that age. No.","start_word":1175,"end_word":1206,"intents":[{"intent":"Remind about age requirements","confidence_score":0.000087907254},{"intent":"Discuss retirement age","confidence_score":0.3036206}]},{"text":"So what we're gonna focus on is before 60. So, obviously, because we can't access until 60, it means that any retirement that we do prior to 60 would have to be self funded. So Yep.","start_word":1207,"end_word":1242,"intents":[{"intent":"Prefer investment options","confidence_score":0.000010611246},{"intent":"Delegate tasks to self-funding advisers","confidence_score":0.00035223342}]},{"text":"focusing on looking at assets in your own name. You currently have a property. Is property an investment avenue that you would consider in the future? Or Yeah.","start_word":1245,"end_word":1272,"intents":[{"intent":"Decline focusing on asset portfolio","confidence_score":1.0991422e-8}]},{"text":"It it's still a consideration because, obviously, you need to have liquidity to be able to engage in something like Definitely. that.","start_word":1358,"end_word":1379,"intents":[{"intent":"Evaluate liquidity","confidence_score":0.005638476}]},{"text":"So currently, we're we're putting away sort of $500 a week. Is that in savings, is that money actually being saved, or is that money being put onto the mortgage currently as additional repayments? Or where is that money kind of going?","start_word":1485,"end_word":1526,"intents":[{"intent":"Discuss investments","confidence_score":0.00084372296},{"intent":"Save money","confidence_score":0.0008311273}]},{"text":"And and again, like you said, you know, you're just trying to build up a bit more savings so I can use a bit of equity and savings to purchase the next property and and keep this one that I've got as an investment property as well.","start_word":1701,"end_word":1747,"intents":[{"intent":"Build savings and use equity","confidence_score":0.0021342814}]},{"text":"And the whole avenue like, the reason that we're purchasing shares in that account is specifically so we have, I guess, personal assets for that retirement avenue? Yeah.","start_word":1850,"end_word":1877,"intents":[{"intent":"Maintain personal assets","confidence_score":0.04386344}]},{"text":"And then if I can obviously, yeah, get get in touch with with you guys and you think that I can do something better on the super side of things as well, then I think my money will be working for me Overall.","start_word":1960,"end_word":2002,"intents":[{"intent":"Get in touch with with people","confidence_score":0.008371261}]},{"text":"And I guess, CMC account, are we individual stocks, or are we, like, ETFs, managed funds? Mostly individual stocks, and then I've got one ETF at I. If I'm, you know, unsure of what to invest in over that quarter, I just usually chuck it into that ETF. Yeah. Okay. Cool.","start_word":2007,"end_word":2057,"intents":[{"intent":"Put money in etf","confidence_score":0.0032393872}]},{"text":"I'm definitely open to putting the insurance back on. It was just a a little I don't know. Just turn I it don't off need by a it.","start_word":2589,"end_word":2616,"intents":[{"intent":"Removing insurance","confidence_score":0.00007075105}]},{"text":"So I'll look at it from from that kind of perspective. What if we were to look at covering you for a lump sum benefit in the t fee or in the total pump disability realm would you want covered? Would it just be the mortgage with a little bit on the side, or would you want to still make sure that you're covering to get to your retirement goals? Well, yeah.","start_word":2986,"end_word":3057,"intents":[{"intent":"Evaluate insurance coverage","confidence_score":0.0920155}]},{"text":"I can answer the figure perspective? The only question, Yep.","start_word":3156,"end_word":3165,"intents":[{"intent":"Answer figure perspective","confidence_score":0.31964594}]},{"text":"It it would all depend on how disabled you were from from whatever the accident was or whatever the case may be. Definitely.","start_word":3368,"end_word":3390,"intents":[{"intent":"Determine support from disability","confidence_score":2.410093e-8}]},{"text":"How much you could do with that retirement Totally.","start_word":3414,"end_word":3422,"intents":[{"intent":"Calculate retirement target","confidence_score":0.0007786795}]},{"text":"How much you could do with that retirement Totally. remains to Yep. be seen. No. That's that's okay. That's that it it gives me a good scope to be able to calculate from there Yep. income replacement debts, all that Yep. kind of stuff. So I can I can pull those figures? That's fine.","start_word":3414,"end_word":3467,"intents":[{"intent":"Calculate retirement figure","confidence_score":0.0025957203}]},{"text":"That's that it it gives me a good scope to be able to calculate from there Yep. income replacement debts, all that Yep. kind of stuff.","start_word":3432,"end_word":3457,"intents":[{"intent":"Calculate income replacement debts","confidence_score":0.043696344}]},{"text":"I guess the biggest question I have for you is when it comes to risk taking with investments, because you do trade a little bit, and your individual stocks, there's an ETF in there, and you're very heavy in in your international shares, whether you are maybe more suited to go a little bit more aggressive with your investments.","start_word":3514,"end_word":3572,"intents":[{"intent":"Assess risk profile and prioritize investments","confidence_score":8.981553e-7}]},{"text":"Or on the flip side, you look at your managed funds, which the whole point of a managed fund is generally a little bit more expensive, but the whole point is to try and outpace the market, or it's on the negative or the positive depending on what they're obviously trying to achieve. As Mhmm.","start_word":3825,"end_word":3879,"intents":[{"intent":"Expedite market strategy","confidence_score":0.000001276415}]},{"text":"Versus your ETF, it diversifies things out, allows you to, you know, be in, say, 10 to 30 different stock options within that fund. You're not paying for a a purchase cost and you buy, sell much much more reduced.","start_word":4378,"end_word":4417,"intents":[{"intent":"Explain options","confidence_score":0.00017018839}]},{"text":"And then, obviously, as the relationship builds, as we work together moving forward, we can look at incorporating stocks in areas that you're interested in, in areas that you wanna include those stock options in things that, you know, you're purchasing personally, if you wanna incorporate them into your superannuation fund, it's something we can definitely look at as well. Not something Yep.","start_word":4471,"end_word":4533,"intents":[{"intent":"Incorporate stocks in areas","confidence_score":0.007659062}]},{"text":"I I would research where you're currently at, you know, being everything that's sitting within your Australian super, how it's gone, how it's performed, the asset split between the three classes that you currently have.","start_word":4603,"end_word":4637,"intents":[{"intent":"Research debts","confidence_score":0.000009268791}]},{"text":"The other option is to go into it's just like what you have, like a leveraged or geared fund or ETF, where they basically internally borrow the money and you and they invested on the market.","start_word":4854,"end_word":4889,"intents":[{"intent":"Evaluate investment options","confidence_score":0.15520483}]},{"text":"we can look at as life changes and evolves.","start_word":5201,"end_word":5209,"intents":[{"intent":"Discuss life changes","confidence_score":0.24017905}]},{"text":"guess before I leave you to the night, is there anything that you may wanna know from myself? No. No.","start_word":5277,"end_word":5296,"intents":[{"intent":"Gather information","confidence_score":0.036291335}]},{"text":"Like, do you say something like we would be able to outperform the market and this is what your super could look like with us compared to what you're currently doing with the showing super and this is where they could you could end up with them, you know, given risk performance? Like, is it, like, a really clear, definitive Yes.","start_word":5361,"end_word":5421,"intents":[{"intent":"Discuss performance comparison","confidence_score":0.012910379}]},{"text":"So there is a whole section that outlines our fees, the fund fees, the investment fees, every fee on everything for both your current and any recommendation I made.","start_word":5443,"end_word":5471,"intents":[{"intent":"Discuss fees","confidence_score":0.019990314}]},{"text":"So there is a whole section that outlines our fees, the fund fees, the investment fees, every fee on everything for both your current and any recommendation I made. Yep.","start_word":5443,"end_word":5472,"intents":[{"intent":"Recommend future investments","confidence_score":0.005094364}]},{"text":"And there is also utilizing historical performance, so both with AustralianSuper in the investments you currently have.","start_word":5473,"end_word":5489,"intents":[{"intent":"Discuss past performance","confidence_score":0.11988488}]},{"text":"historical performance of any fund or or portfolio that I built for a client. And that's Okay.","start_word":5545,"end_word":5561,"intents":[{"intent":"Evaluate portfolio performance","confidence_score":0.02052145}]}]},"sentiments":{"segments":[{"text":"Good afternoon. Billy again. How are you?","start_word":0,"end_word":6,"sentiment":"neutral","sentiment_score":0.25993022322654724},{"text":"Great. How are you doing? Very good.","start_word":7,"end_word":13,"sentiment":"positive","sentiment_score":0.4840126931667328},{"text":"Hey. Sorry to do this here. This is the same situation as before. I've sent you, like, the old first line. Everything's updated. His balance has actually gone down Yeah. Makes sense. since we did the research because he's invested really aggressively. Did you get the email, by the way, or is it taken as just to send again? I don't know. I'm not in my in emails yet. Oh, sorry. Sorry. No. You're okay. Anyways, he's a young boy. He's born in 1993, so he's, you know, in his thirties. He's got a 100,000 in his Australian super, 90% in international shares, and then five and five in high growth and Aussie shares. Canceled all of his insurances because he is fit and healthy in his in his words. Not interested in having anyone as a beneficiary either. So he's pretty he's pretty switched on this bloke, and he's Okay. he's come out as a high growth investor. He's a site supervisor, so he's a trader. He makes a $130 a year, and he's one of those guys. It looks like he's got half $1,000,000 in mortgage debts, property worth about $7.50. Mobius is 507 city in value. Cool. Yep. What's his name? Oh, Jake. Sorry. That's okay. As you said, it it came through anyway. So, Shigee, Oh, cool. let's go. Perfect. Easy. I'll patch him. Jake, you still there? Yeah. Sweet. I just got Larissa on the line. Look. She's the adviser that'll be working on your plan for you. So she's just gonna put her sort of go over the next steps with you, make sure everything's good on her end. Just cross some t's and dot some i's. Can't take too long, man, and then I'll I'll quickly catch up with you after.","start_word":14,"end_word":311,"sentiment":"neutral","sentiment_score":0.029545901343226433},{"text":"That's cool.","start_word":312,"end_word":313,"sentiment":"positive","sentiment_score":0.5910772085189819},{"text":"Yeah. No worries at all.","start_word":314,"end_word":318,"sentiment":"neutral","sentiment_score":0.23770424723625183},{"text":"Sweet as.","start_word":319,"end_word":320,"sentiment":"positive","sentiment_score":0.3991572260856629},{"text":"Go ahead, Laveta. Hi, Jake.","start_word":321,"end_word":325,"sentiment":"neutral","sentiment_score":0.3060946464538574},{"text":"How are you going? I'm very good. Thank you. How are you? Really well.","start_word":326,"end_word":339,"sentiment":"positive","sentiment_score":0.5245938897132874},{"text":"Monday evening, can't complain too much. About a year. Five You're out of there. 05:00. I'll get out of here by midnight if I'm lucky. No. I'm kidding. No. So I guess to explain what I do, I'm a financial planner. I'm authorized by ASIC to be able to provide financial advice. I'm I've been in the industry for coming on a decade, and Yep. this is what I love doing. Now with a financial adviser, the whole point in what I do is working with clients to ensure that either, a, they understand where their financial position is and the risks they're taking, but, b, also putting together a plan to better suit where they're at and where they wanna head. Now Yep. as I understand, currently, we're single. We have no dependents. We're on really good income, and we've set ourselves up with a pretty decent house for Yeah.","start_word":340,"end_word":490,"sentiment":"neutral","sentiment_score":0.11134158074855804},{"text":"the future, which is fantastic.","start_word":491,"end_word":495,"sentiment":"positive","sentiment_score":0.4005164504051209},{"text":"Yeah. Please. I get Great. very much so. And doing it alone is hard but admirable considering you are still so very young. Yes. I'm getting And there. Just checking why. if I don't say that you're young, I don't say that I'm young, and that just makes me sad. Yeah. I know. 32. It's right on the brink of, like, calling yourself young and old, I think, at the same time. I think once I go to 35, I'll start calling myself old. Yeah. It's not mid thirties yet. So, really, Yeah. I'm it's talking it's to good. this. I'm It's I'm hanging on. fine. I'm hanging on. Now one of the biggest things that I work with is goal based advice, and the reason we do it that way is because everyone's individual and everyone's goals are different. So the person that I spoke to this morning is completely different to you, and nothing is, you know, cookie cutter. So Yep. what I wanna find out from you is what are your goals and what are you trying to achieve in life, in finances, in where you wanna head? It's a very broad question, but, I mean, I just want to Yeah. set myself up essentially to hopefully retire early early than 60, earlier Yep. than the average. So my investment goals, I suppose, would be to hopefully use maybe this opportunity to be able to access my or build my super up, you know, more than what the average Joe would, and then possibly, obviously, have some assets in my name that I could use for an early retirement. And then by the time I do get to access these funds, you know, access my super at an older age. I'm well and truly comfortable to, you know, understand that I'll be able to not go back to work and, you know, have investments or money that will work for me at the time to, yeah, just ensure that I'll be able to have a good retirement and my kids won't have a bit of money and my partner as well if something goes to go wrong or yeah. Just to be just for the money not to be an issue later on down the track. Okay. Absolutely. Alright.","start_word":496,"end_word":877,"sentiment":"neutral","sentiment_score":0.09127032144375496},{"text":"Perfect.","start_word":878,"end_word":878,"sentiment":"positive","sentiment_score":0.4796064794063568},{"text":"It's pretty pretty pretty average, I suppose. It's pretty pretty bland in a sense, but it's just something that I'm yeah. I don't want to have to rely on attention, I suppose. No. It and it's not. The fact that you are, a, willing to engage and look at things now is an absolute testament and benefit to yourself because talking to you in twenty years' time is a very it's a much different conversation. Yeah. Hopefully.","start_word":879,"end_word":955,"sentiment":"neutral","sentiment_score":0.06996674090623856},{"text":"So a conversation today means that we can take those steps to set you up with avenues for personal wealth building as well as growth through your superannuation fund and other avenues like that.","start_word":956,"end_word":989,"sentiment":"positive","sentiment_score":0.4190555810928345},{"text":"Rather than, you know, in twenty years' time when we are, you know, in our mid fifties, it's sometimes past time where we can take some of those riskier steps.","start_word":990,"end_word":1019,"sentiment":"neutral","sentiment_score":-0.014922684989869596},{"text":"So, obviously, you have a half decent amount of knowledge with respect to superannuation and retirement and where you're able to retire and access. So I just Yep. wanna, I guess, make sure that you are definitely aligned.","start_word":1020,"end_word":1057,"sentiment":"positive","sentiment_score":0.44928157329559326},{"text":"Age 60 is when you can retire and access your superannuation. A lot Yep. of people confuse 65 and 67, but 60 is when you can access your superannuation currently under legislation. Mhmm. Yep. 60 And you five? have to be not working Mhmm. full time? Don't you have to Yeah. Correct. Yeah. So 60 is where there's a there's a a caveat upon you accessing, and it's either yep. transitionary or you're fully retired or you're working under ten hours. You see some Yep. form of employment. There's restrictions to it. From 60 Okay. five, there's no restrictions at all. You can access it Yep. irrespective of whether you're working full time or not. And Mhmm. 67, which is what a lot of people get hung up on, is that pension age. You don't care about that age, and we're not even gonna talk about that age. No. So what we're gonna focus on is before 60. So, obviously, because we can't access until 60, it means that any retirement that we do prior to 60 would have to be self funded. So Yep. Yep. Exactly. focusing on looking at assets in your own name. You currently have a property. Is property an investment avenue that you would consider in the future? Or Yeah. It is, but it's I wouldn't lean on you or, you know, my advisers to do that for me because I'm a builder. I will naturally accumulate houses or build houses for myself and property and Yeah. and whatnot. So I don't want that to be a, like, a weighing factor on I don't know the way you allocate my money or funds or my investment opportunities. Yeah. I Yep. think I would just leave the property sort of things to myself. Yep. No.","start_word":1058,"end_word":1356,"sentiment":"neutral","sentiment_score":-0.0429210364818573},{"text":"Perfect.","start_word":1357,"end_word":1357,"sentiment":"positive","sentiment_score":0.7595267295837402},{"text":"It it's still a consideration because, obviously, you need to have liquidity to be able to engage in something like Definitely. that. Definitely. So whether Yeah. that's, you know, liquidity in, you know, well, I guess, equity in your current property gives Yep. you the capacity to go and purchase again Yeah. rather than anything else. That's, I guess, making sure that we don't over leverage you to the point where you don't have the opportunity if it ever arises to go and purchase something that falls into your lap. Yeah. That's Because, what obviously, he's saying. you work Yep. in the industry. Sometimes houses do just fall into your lap. It's not that you're looking. It's just it exists. Well, yeah. Just yeah. That's right. Yeah. So currently, we're we're putting away sort of $500 a week. Is that in savings, is that money actually being saved, or is that money being put onto the mortgage currently as additional repayments? Or where is that money kind of going? That is a great question. I actually don't. I've I've refinanced recently to ANZ Yeah. Yep. from Commonwealth. I haven't actually had a look at my savings lately. But to answer your question, I think that that money I know that I mean, I it is used to getting saved. It must be. I haven't done it. Look at my account for a good while. And and it's just beginning to say if I've got any spare money, I'm not putting it in towards anything. I've got a $100 a week that goes into my CMC account. Yeah. Into my CMC account. Sorry. And then I sort of wait for that to build up to $500 or a thousand dollars, and I whack it into a a share that, you know, I like or, you know, whatnot. So there's Yep. a savings that go back into a share portfolio. But the other savings at the moment, I'm I am just saving just purely because I've got some home improvements Yep. that I wanna do. And and again, like you said, you know, you're just trying to build up a bit more savings so I can use a bit of equity and savings to purchase the next property and and keep this one that I've got as an investment property as well. So, yeah, I'm holding my cards close to my chest at the moment. Yeah. No. Absolutely. So on the like, your your CMC account or your your your stock account, Yep. we're just we're dabbling. We just kind of invest and hold, or are we kind of day trading a little bit? Or It's just invest and hold. I Yep. it's any money that goes to my CMC account does not come back yet.","start_word":1358,"end_word":1821,"sentiment":"neutral","sentiment_score":0.02423004551132306},{"text":"It's Cool. I'm a very, very disciplined in that area.","start_word":1822,"end_word":1831,"sentiment":"positive","sentiment_score":0.4270215332508087},{"text":"No. Perfect. Alright. No. Hold Absolutely. on. Yeah. I don't wanna have to pull it up. Yep. Cool. And the whole avenue like, the reason that we're purchasing shares in that account is specifically so we have, I guess, personal assets for that retirement avenue? Yeah. Exactly. Yeah. Pretty much. My yeah. My CMC account is returning a lot better than what my super is, nearly double at the moment each year. So I'm doing doing something right, but I don't expect it to go that way every year. It could do the complete opposite. So I'm fully understanding of that. But, yeah, at the moment, my my shares are sort of going pretty good for me. So I'll just keep doing that, keep chipping away at that. And then if I can obviously, yeah, get get in touch with with you guys and you think that I can do something better on the super side of things as well, then I think my money will be working for me Overall. pretty well. Okay. Yeah. And I guess, CMC account, are we individual stocks, or are we, like, ETFs, managed funds? Mostly individual stocks, and then I've got one ETF at I. If I'm, you know, unsure of what to invest in over that quarter, I just usually chuck it into that ETF. Yeah. Okay. Cool. No. Just give me Yep. a feel for where you're at.","start_word":1832,"end_word":2068,"sentiment":"neutral","sentiment_score":0.03399716248492148},{"text":"Perfect.","start_word":2069,"end_word":2069,"sentiment":"positive","sentiment_score":0.6425673365592957},{"text":"Yep. Alright. So we're kind of doing a little bit of trading, just having fun over there, accumulating wealth personally, and then we still have our savings that we're kind of just putting away rainy day towards everything that we wanna do. Pretty much. Now I guess one of the biggest things and I'm gonna be really clear when I say this that I am not going to push you into one avenue or another, Mhmm. but I wouldn't be doing my job if I didn't at least raise the question. Your Yep. insurance within AustralianSuper, I understand that you canceled it Mhmm.","start_word":2070,"end_word":2172,"sentiment":"neutral","sentiment_score":0.005157770588994026},{"text":"because we're fit and healthy, which is fantastic, and I love that.","start_word":2173,"end_word":2184,"sentiment":"positive","sentiment_score":0.5529156923294067},{"text":"Yes. The only reason I raise it is because insurance protects us personally. So we insure our vehicles. We insure our house because if an event occurs, we're then able to rebuild our house or the car accident that we had when we ran up the back of the Lamborghini, we're covered and protected. Yep. Now personal insurance, which is what you would have had inside your Australian Super, covers you personally in the event that you had an event. So sometimes that could be an accident, not just an illness. We're fit and healthy right now, so there's no illnesses. But let's just say that we were in that car accident and we were not able to work for a period of time. How would that affect your capacity to pay your bills if you were not working? Is there any other income sources you have? Obviously, there's the the trading account for this $30 that you could pull out. We don't Yep. want to, but we could. Yeah. I guess, No. There's I there's no other income yeah. of any other source. Okay. And look. I get it. You're you're you're 32. I am literally in the same age bracket that you are. Yep. It it's not something we ever want to happen, but I also specialize in claims. I've done claims for a good five years. And I have put claims through for 30 year olds both because they are never able to work again, they're temporarily not working again, or, unfortunately, they pass away. Yep. And whilst I get it, because you are single and, realistically, your estate consists of your assets that you hold personally, and they're gonna be able to sell your home and and, you know, your family will sell your home and walk away with a good couple $100,000. Life insurance Yep. possibly isn't something you care about right this minute. I think I'm more focused on the disability portion of it that if you were in an accident and you weren't able to work, how does your mortgage get paid? How do you get paid? How do you put food on the table? Yeah. Yep. So do you want to look at insurance, or are you happy accepting the risk? And it's your risk to accept. I'm just putting it in terms that makes you think about No. it from I'm that perspective. yeah. No. I'm definitely open to putting the insurance back on. It was just a a little I don't know. Just turn I it don't off need by a it. little bit I'm good. and try and yeah. Try and because I yeah. I've stupidly typed in my little insurance amount and how much that compounds over time, and I Yes. was like, oh, that could be definitely better off in my pocket. So anyway, I I really don't care. I'm Yeah. more than happy to put insurance back on. It's definitely something that I should do. I know that. But yeah. Anyway, I just was just No. living in the moment for a little bit. I mean, it's only been turned off for oh, fuck. Wouldn't have been made six months. I would have turned it off for, so it's not it doesn't mean that long. But, yeah, if I do end up sort of going with you guys and we we go through, you know, this process, I'll I'll turn it back on because Yeah. yeah. Yeah. It's important. And, again, Yeah. not That's to fine.","start_word":2185,"end_word":2774,"sentiment":"neutral","sentiment_score":-0.0382998662811341},{"text":"hop on or scare you or anything like that. It's accidents happen.","start_word":2775,"end_word":2786,"sentiment":"negative","sentiment_score":-0.40279272198677063},{"text":"Accidents happen daily. Yeah. That's right. Yeah.","start_word":2787,"end_word":2793,"sentiment":"neutral","sentiment_score":-0.23619012534618375},{"text":"And not even from my own fault, I could get the hit I could get t boned Yep. for another car, and it could be somebody else's fault.","start_word":2794,"end_word":2821,"sentiment":"negative","sentiment_score":-0.5014511942863464},{"text":"So yeah.","start_word":2822,"end_word":2823,"sentiment":"neutral","sentiment_score":-0.20095142722129825},{"text":"No.","start_word":2824,"end_word":2824,"sentiment":"negative","sentiment_score":-0.33835309743881226},{"text":"100 I fully understand. percent. It's a very Yeah.","start_word":2825,"end_word":2833,"sentiment":"neutral","sentiment_score":-0.2468390315771103},{"text":"risky game I'm playing.","start_word":2834,"end_word":2837,"sentiment":"negative","sentiment_score":-0.4075860977172851},{"text":"But, anyway, I'm playing That's it. that's Yeah. okay. So I'll look at I'll what I'll do is I'll look at quoting up to see what it costs from an income replacement perspective. So it means that if you're off work for a short period of time, your income continues being supported. Yep. And then I'll look at the total disability perspective. So it means if you're never able to work again, what that looks like. Yep. Whilst I understand that your job is fifty fifty, so you you have office and field capacity, Yep. and that it could be an opportunity for you to move solely into the office. Sometimes, maybe you Yeah. can't capacity wise from the illness or just occupation wise from the job perspective. It could be something that, you know, pays off your mortgage and allows you to be debt free. Yeah. Yeah. So I'll look at it from from that kind of perspective. What if we were to look at covering you for a lump sum benefit in the t fee or in the total pump disability realm would you want covered? Would it just be the mortgage with a little bit on the side, or would you want to still make sure that you're covering to get to your retirement goals? Well, yeah. I mean, I I suppose. I yeah. I'm I'm not too sure exactly what that figure would be. It's probably yeah, that could probably go off your advice. You know, you guys deal with it sort of day in day yet. You probably know what the correct cover would be. But, yeah, I yeah. It's taking taking oh, sorry. Thinking about all possibilities. Yeah. Yeah. I don't know what that I don't know what Okay. that figure is. Sorry. So But that's yeah. okay. But it would I be can interesting I can to answer look at. Yeah. I can answer the figure perspective? The only question, Yep. I guess, I would want answered from you because I can't answer it is if you were never able to work again, tomorrow, you could you just couldn't work again, whatever the reason was, Yep. would you accept that your life has fundamentally changed and the goals that you discussed today were never gonna be able to be reached and achieved because your income could no longer be be supported if you don't have an income anymore? Yeah. Or would you still want, irrespective of working or not, you to achieve those goals? Gosh.","start_word":2838,"end_word":3259,"sentiment":"neutral","sentiment_score":-0.05597751238935084},{"text":"That's a tough question. I mean, I would I would it it all depends on what how incapacitated I am, I suppose. Like, from a quadrupleg, you send everything to me to go out the window because I'm looking to get a go far.","start_word":3260,"end_word":3303,"sentiment":"negative","sentiment_score":-0.3494713306427002},{"text":"Or do much. Yeah. But, yeah, it's it would all depend on disability. It's it's such Yeah. a broad question. I don't It really is. know how to answer that. No. Yeah. Obviously, I would want all my goals to still be achieved. Like, that would be Yeah. the best case scenario. That's it. I do. Anybody would say that. But then Yeah. yeah. It it would all depend on how disabled you were from from whatever the accident was or whatever the case may be. Definitely. Yeah. Yeah. I mean, That's technically, your early retirement goal is achieved because you never have to work again. well, that's right. Yeah. How much you could do with that retirement Totally. remains to Yep. be seen. No. That's that's okay. That's that it it gives me a good scope to be able to calculate from there Yep. income replacement debts, all that Yep. kind of stuff. So I can I can pull those figures? That's fine. Okay. Alright. So I guess moving forward in in respect to the investment side of things, I can see that you are heavily, I guess, more aggressively invested. You know, Yes. we're very heavy into our international shares, which is okay.","start_word":3304,"end_word":3508,"sentiment":"neutral","sentiment_score":0.05930009324376176},{"text":"Absolutely nothing wrong with that.","start_word":3509,"end_word":3513,"sentiment":"positive","sentiment_score":0.401246041059494},{"text":"I guess the biggest question I have for you is when it comes to risk taking with investments, because you do trade a little bit, and your individual stocks, there's an ETF in there, and you're very heavy in in your international shares, whether you are maybe more suited to go a little bit more aggressive with your investments. You came out as quite an aggressive investor when we did the investor risk profile questionnaire, which it is Yep. just a tool. The whole point of that tool is to gauge where you sit in a risk profile. And a risk profile is realistically looking at whether a 100%, 90%, 80, and so on and so forth of the overall assets should be invested in the market and to what degree, whether it's growth or value start like, started stocks or whether it's defensive, you know, regulated stocks. So Mhmm. what what that tool showed me was that you are to the 90, a 100% kind of bracket as a as a risk taker. Now, realistically, Yep. risk breaks down further than that because then we have our stocks and shares that, you know, are better regulated, maybe blue chip, have been around for longer, have risk ratings like the alpha and the beta, which is how they perform against the benchmark. Yep. And then you obviously have, you know, on the reverse things where you've got your higher risk stocks, your emerging companies, you've got, you know, potential asset managers that are fairly new to the market, haven't, you know, been in the game for as long, stuff like that. Yep. Now we look at two different avenues of of investing. There's, you know, your ETFs, which are obviously your lower cost assets that generally Yep. track the market. Okay? And then you look at diversifying out through that. Or on the flip side, you look at your managed funds, which the whole point of a managed fund is generally a little bit more expensive, but the whole point is to try and outpace the market, or it's on the negative or the positive depending on what they're obviously trying to achieve. As Mhmm. an investor type, which side of that coin do you kind of feel you fall on? On the Like, aggressive ETF. side with Yeah.","start_word":3514,"end_word":3902,"sentiment":"neutral","sentiment_score":0.06327101018921422},{"text":"more or, like, individual stocks, I'm happy to go with. Yep. Yes. Definitely, an ETF to try and do a broader market.","start_word":3903,"end_word":3924,"sentiment":"positive","sentiment_score":0.4153233468532562},{"text":"Like yeah. I don't know. Like, I'm I'm not, yeah, heavily interested in, I don't know, researching, like, pharmaceuticals, for example. So I would just throw, like, some money into a pharmaceutical ETF just so I have a Yep. bit of exposure to that side of the market. But then, Yep. I don't know, where I'm a bit more interested in, like, tech stocks or something like that. I would probably invest in, like, individual ones just based on what I, you know, think is, you know, potentially going to do well or what, you know, what the next innovative, you know, design or tech might be that, you know, I just kind of yeah. I would feel in that sense, but I guess yeah. So I had obviously, you guys doing it for me.","start_word":3925,"end_word":4059,"sentiment":"neutral","sentiment_score":0.07863114774227142},{"text":"I would be still happy to do individual stocks in a sense.","start_word":4060,"end_word":4071,"sentiment":"positive","sentiment_score":0.4197976291179657},{"text":"ETFs, I know some, you know, ETFs and the companies that control them might charge higher fees, whereas you could essentially create your own ETF in individual stocks that, you know, may not charge any fees. But, yeah, again, this is all just me going off a very basic understanding of what I know of the stock market.","start_word":4072,"end_word":4129,"sentiment":"neutral","sentiment_score":0.1431429535150528},{"text":"But, yeah, I guess this is where you you and the advisers come in to say this is this would be a great option for you.","start_word":4130,"end_word":4155,"sentiment":"positive","sentiment_score":0.4483483135700226},{"text":"Yeah. Have you considered this or that? I don't know. Yes. That's why I'm I guess I'm doing this doing this phone calls and and asking around to see what would be, you know, best possible outcome for myself. Yeah. So when it comes to super, individual stocks, little bit more risk. And, also, Yeah. because contributions going in the high volume, it's the same reason you only trade once you've hit $500. A, generally, you've got a $500 minimum buy in. Mhmm. But your your, oh my god, what's it called, the buy sell cost to actually trade on individual stocks on the open market is gonna be Yep. quite heavy, especially if Yep. you're buying into, you know, say, 20 different you'd probably diversify further than 20 different individual companies, but you probably have maybe up to 80 different individual companies in a portfolio to few $100,000 to get some decent diversity going. Yeah. Yep. So A individual lot.","start_word":4156,"end_word":4316,"sentiment":"neutral","sentiment_score":0.08064178805451215},{"text":"stocks, yeah, definitely possible within a superannuation fund, 100%.","start_word":4317,"end_word":4325,"sentiment":"positive","sentiment_score":0.3737644553184509},{"text":"Not saying it's not, but probably a small percentage of the overall thumb, not something that you would have, like, just individual stocks the whole way through because the trading cost on that would be astronomical. The fees Right. just Yeah. to trade Yep.","start_word":4326,"end_word":4369,"sentiment":"neutral","sentiment_score":0.025616122409701347},{"text":"it would get really high really quick.","start_word":4370,"end_word":4376,"sentiment":"positive","sentiment_score":0.4440535008907318},{"text":"Yep. Versus your ETF, it diversifies things out, allows you to, you know, be in, say, 10 to 30 different stock options within that fund. You're not paying for a a purchase cost and you buy, sell much much more reduced. However, you obviously Mhmm. have your what's called a a MER or a management fee that's incorporated within that ETF or a managed fund, so on and so forth. They they all do have their fees, obviously, whereas your individual stocks don't.","start_word":4377,"end_word":4459,"sentiment":"neutral","sentiment_score":0.12509357929229736},{"text":"Yep. I can definitely look at ETFs to begin with.","start_word":4460,"end_word":4469,"sentiment":"positive","sentiment_score":0.48243099451065063},{"text":"And then, obviously, as the relationship builds, as we work together moving forward, we can look at incorporating stocks in areas that you're interested in, in areas that you wanna include those stock options in things that, you know, you're purchasing personally, if you wanna incorporate them into your superannuation fund, it's something we can definitely look at as well. Not something Yep. I generally start off with in a relationship to begin with, purely and simply because individual stocks are very, very personalized opinion based, I guess, purchase, Yeah. That's better. but something we can definitely, I guess, broach into. Now with respect to, I guess, where we head from here, what we would wanna do or what I would wanna do is have a look at everything from an overall perspective. I I would research where you're currently at, you know, being everything that's sitting within your Australian super, how it's gone, how it's performed, the asset split between the three classes that you currently have. And then I would look at other options that are available in the market to a heavier investment, like, you know, to allocate you within the risk profile that you're invested. One of the things I did wanna, I guess, find out was whether you know what leveraged or gearing geared investments are. Yep. I see. I have a a small understanding. I've got a three times leveraged ETF fund that I'm in at the moment. I understand it's somewhat more riskier, but, obviously, yeah, could have Okay. bigger potential. But, yeah, I don't I'm not too too familiar with it. Okay. But, yeah, So there's I have a average understanding average of probably no. beginner, beginner understanding of it all. No. That's okay. So there's there's basically two ways to invest in a leverage capacity. One is to go out to a bank, get a loan yourself, and then invest in the stock market. At the end of the twelve months, whatever you've made or lost, you still have an obligation to return the money to the bank and pay them Yep. the interest that that you've incurred.","start_word":4470,"end_word":4826,"sentiment":"neutral","sentiment_score":0.09939346462488174},{"text":"If you've made money, happy days, you get the earnings, they get the principal and the interest.","start_word":4827,"end_word":4843,"sentiment":"positive","sentiment_score":0.5241534113883972},{"text":"Mhmm.","start_word":4844,"end_word":4844,"sentiment":"neutral","sentiment_score":-0.12326474487781525},{"text":"If you've lost money, therein lies the risk.","start_word":4845,"end_word":4852,"sentiment":"negative","sentiment_score":-0.5302867293357849},{"text":"Yep. The other option is to go into it's just like what you have, like a leveraged or geared fund or ETF, where they basically internally borrow the money and you and they invested on the market. Same sort of thing, but it happens interfund. The risk is less with you. So, for example, say, if you were to Okay. lose a 100% of the money that you've invested, you've lost a 100%. You still don't owe anything on top of that. That's Yep. the risk that the funds takes. So it it alleviates the risk that you're taking from that Mhmm. capacity. Is leveraged investments something that you would want to look at from a superannuation perspective now, or is that maybe something you may wanna look at later down the future after an established relationship and you can see how we're going with everything we're doing? Yeah. I'd I'd be yeah. I'd probably tread cautiously for the first, yeah, couple of years, I suppose. Maybe just Yeah. just kinda see what the returns are like, and then I would definitely be open to taking more risk as I sort of, yeah, grow a better better relationship or understanding of, yeah, I yourself think so. or the company that I'm dealing with or whatever. Yeah. No. Definitely more than more than open to try new things a couple of years down the track.","start_word":4853,"end_word":5086,"sentiment":"neutral","sentiment_score":0.1111029088497162},{"text":"Absolutely. And, realistically, working with an adviser, it does work to that capacity.","start_word":5087,"end_word":5099,"sentiment":"positive","sentiment_score":0.4525150656700134},{"text":"Sometimes we look at things right now, and sometimes, you know, a conversation we're having right now could be something that we execute in two, three, five years' time. You know, you mentioned kids and a wife. Obviously, not something for the immediate, but, you know, it's something that you have in your life as a as a life goal for yourself and something that we, you know, can incorporate into everything down the future, you know, whether it's investments for the kids to put money away ready for them to buy a house or buy a car. It's things Yep. we can look at as life changes and evolves.","start_word":5100,"end_word":5209,"sentiment":"neutral","sentiment_score":0.2661223899234425},{"text":"Yep. Cool. Alright. Well, I have, a, kept you for long enough, and, b, has everything that I possibly need right this second.","start_word":5210,"end_word":5232,"sentiment":"positive","sentiment_score":0.41424450278282166},{"text":"So what I do is Uh-huh. I take everything away, I research everything, and then I put together a statement of advice.","start_word":5233,"end_word":5254,"sentiment":"neutral","sentiment_score":0.22308042645454407},{"text":"So it's a Mhmm. big glorious document that I will present to you and we'll go through from there.","start_word":5255,"end_word":5273,"sentiment":"positive","sentiment_score":0.4586799740791321},{"text":"But I Okay. guess before I leave you to the night, is there anything that you may wanna know from myself? No. No. I don't I don't think so. I mean, I know that yeah. You're you're factoring all of the the fees and and whatnot as well. And I guess, Yep. do you when you give me the statement of advice, is there something that's like we could perform, you know, obviously, it's probably hard to predict in a sense, but would you I don't know. Like, do you say something like we would be able to outperform the market and this is what your super could look like with us compared to what you're currently doing with the showing super and this is where they could you could end up with them, you know, given risk performance? Like, is it, like, a really clear, definitive Yes. Yeah. sort of answer to be, like, right now, this is what we can do versus what you're doing already? Yep. So there is a whole section that outlines our fees, the fund fees, the investment fees, every fee on everything for both your current and any recommendation I made. Yep. And there is also utilizing historical performance, so both with AustralianSuper in the investments you currently have. Also, I look at AustralianSuper from a if I was to increase the investment risk within your current portfolio or decrease it depending on the client or the Yep. portfolio I'm looking at, you know, if you were to alter the current investment within your current super fund, what that outcome looks like versus Mhmm. historical performance of any fund or or portfolio that I built for a client. And that's Okay. realistically what I would be doing is building a portfolio to suit you, Yep. to That's suit right. where you are from a risk level, where you are from a, you know, gearing, not gearing, ETFs versus managed funds, all that kind of stuff. Like, that's what I'm looking Okay. at. Looking at making sure that I'm weighing up the the alpha and beta of an of a of a portfolio for the long term and not just gearing things ready for the short term. Yep.","start_word":5274,"end_word":5647,"sentiment":"neutral","sentiment_score":0.06266361831582803},{"text":"Okay. That's great.","start_word":5648,"end_word":5650,"sentiment":"positive","sentiment_score":0.6166248321533203},{"text":"Do you also put in there in the in the statement a potential Yes. portfolio Yeah. in the sense that y'all would be able to see what shares you would be investing? So do I Very get to much see what so. ETFs and what shares Yeah. you you okay. Alright. Yes. So That's I cool. put No. That's alright. very, I should very just wait. much. Just wait for No. it all to come No. through. You're But you're anyway allowed to ask the questions. I've yeah. we Yeah. Yep. so very much, if you put our foot our our best foot forward, I guess, is the best way to put it. Yep. Industry wide over the last twenty years, there's been a lot of flack thrown at it. And because of that, you know, we don't ask for an upfront fee. We don't ask for you to to put any money down before we give you the advice purely and simply because we know that the initial piece of advice is one stage in the entire piece moving forward. So whilst, yeah, you could, you know, say thanks and run, we know that, you know, we're gonna help you over the long term, and it's not just a, you know, one set and forget strategy. Yep. Yep.","start_word":5651,"end_word":5869,"sentiment":"neutral","sentiment_score":0.053637008169946605},{"text":"So the whole point and why we do what we do is because we want to put our money where our mouth is realistically and, you know, work with you long term and help you out to get to where you wanna go.","start_word":5870,"end_word":5912,"sentiment":"positive","sentiment_score":0.4254583716392517},{"text":"Yep.","start_word":5913,"end_word":5913,"sentiment":"neutral","sentiment_score":0.2669023871421814},{"text":"Okay. Oh, that's great. Well, I certainly look forward to it. That's for sure.","start_word":5914,"end_word":5927,"sentiment":"positive","sentiment_score":0.6383955478668213},{"text":"But, yeah, no no other questions from me at Cool. this stage. No. Absolutely. Well, I think I'd need to pass you back over to Billy. Not I think. I do. Pop me Yep. back over to Yep. Billy just so he can schedule in the next time that we can talk, go through that advice space and go from there, and I'll get working on things for you tonight.","start_word":5928,"end_word":5997,"sentiment":"neutral","sentiment_score":0.10174846649169922},{"text":"Alright. Lovely. Thank you so much.","start_word":5998,"end_word":6003,"sentiment":"positive","sentiment_score":0.6853765845298767},{"text":"Thanks No.","start_word":6004,"end_word":6005,"sentiment":"neutral","sentiment_score":0.18666398525238037},{"text":"for your time. Absolutely. Thank you. See you. Thanks, Bye.","start_word":6006,"end_word":6015,"sentiment":"positive","sentiment_score":0.4459248781204224},{"text":"Larissa. No. Sweet. Hello again?","start_word":6016,"end_word":6020,"sentiment":"neutral","sentiment_score":0.1817971020936966},{"text":"Hi, mate. Cool. Alright. Let's get this booked in now.","start_word":6021,"end_word":6030,"sentiment":"positive","sentiment_score":0.37590083479881287},{"text":"I'm having a look at the calendar.","start_word":6031,"end_word":6037,"sentiment":"neutral","sentiment_score":0.2402922511100769}],"average":{"sentiment":"neutral","sentiment_score":0.06263620644716891}}}}